:root{--bg:#f8f5ef;--ink:#182536;--muted:#657182;--brand:#1d3557;--brand2:#6f8f72;--accent:#c7a45b;--card:#fffdf8;--line:#e4ddd0;--shadow:0 20px 55px rgba(16,34,53,.12);--radius:22px;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}a{color:#075985;text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;height:auto;display:block}.container{max-width:var(--max);margin:auto;padding:0 22px}.skip-link{position:absolute;left:-999px;top:10px;background:#fff;color:#000;padding:10px 14px;border-radius:10px;z-index:100}.skip-link:focus{left:10px}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.header-inner{min-height:82px;display:flex;align-items:center;gap:14px;padding:10px 0}.brand{display:flex;gap:10px;align-items:center;font-weight:900;color:var(--ink);font-size:16px;flex:0 0 auto}.brand:hover{text-decoration:none}.brand-mark{width:42px;height:42px;border-radius:14px;background:linear-gradient(135deg,var(--brand),#3f5c7a);display:grid;place-items:center;color:#fff;font-weight:900}.main-nav{display:flex;gap:5px;justify-content:center;align-items:center;flex-wrap:wrap;flex:1;min-width:0}.main-nav a{font-size:12px;font-weight:800;line-height:1.2;white-space:nowrap;color:#26384c;padding:9px 10px;border-radius:999px}.main-nav a:hover,.main-nav a[aria-current="page"]{background:#eee6d7;color:#1d3557;text-decoration:none}.header-cta{background:#102235;color:#fff;border-radius:999px;padding:10px 15px;font-weight:900;white-space:nowrap}.header-cta:hover{background:#000;text-decoration:none}.nav-toggle{display:none;margin-left:auto;background:#fff;border:1px solid var(--line);border-radius:12px;padding:8px 11px;font-size:22px}.hero{padding:70px 0 48px;background:radial-gradient(circle at top left,#efe7d6 0,#f8f5ef 45%,#fffdf8 100%)}.hero.compact{padding:46px 0 34px}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}.eyebrow{margin:0 0 12px;color:var(--brand2);font-weight:900;letter-spacing:.08em;text-transform:uppercase;font-size:13px}.breadcrumb{display:flex;gap:9px;flex-wrap:wrap;font-size:14px;color:var(--muted);margin-bottom:18px}.breadcrumb a{color:var(--muted)}h1,h2,h3{line-height:1.18;margin:0 0 16px;color:#0d2135}h1{font-size:clamp(38px,5.4vw,66px);letter-spacing:-.045em}h2{font-size:clamp(27px,3vw,40px);letter-spacing:-.03em}h3{font-size:22px}.lead{font-size:21px;color:#34465a;margin:0 0 26px;max-width:720px}.hero-actions,.button-row{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:14px 22px;font-weight:900;border:2px solid transparent;cursor:pointer}.btn-primary{background:linear-gradient(135deg,var(--brand),#3f5c7a);color:#fff;box-shadow:0 10px 25px rgba(15,118,110,.25)}.btn-outline{border-color:#b7c8d8;color:var(--ink);background:#fff}.btn-secondary{background:#fff;color:var(--brand);border-color:#d9e6ef}.btn:hover{text-decoration:none}.trust-row{display:flex;gap:10px;flex-wrap:wrap}.trust-row span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 11px;font-size:13px;font-weight:900;color:#34465a}.hero-media{margin:0;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);background:#fff}.content-grid{display:grid;grid-template-columns:260px 1fr;gap:34px;align-items:start;padding-top:44px;padding-bottom:70px}.toc{position:sticky;top:98px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:18px;box-shadow:0 8px 24px rgba(16,34,53,.06)}.toc strong{display:block;margin-bottom:10px}.toc a{display:block;padding:9px 0;border-top:1px solid #eef3f7;font-size:15px;color:#3b4c5f}.section{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;margin-bottom:24px;box-shadow:0 8px 26px rgba(16,34,53,.05)}.section p{font-size:18px;color:#34465a}.mini-cta{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-top:24px;background:#f2eee5;border:1px solid #ded3bd;border-radius:18px;padding:18px;flex-wrap:wrap}.mini-cta strong{font-size:18px}.split-section{display:grid;grid-template-columns:1fr 1fr;gap:24px}.check-card{background:#fbf7ef;border:1px solid var(--line);border-radius:18px;padding:22px}.check-list{padding:0;margin:14px 0 0;list-style:none}.check-list li{position:relative;padding-left:30px;margin:10px 0;color:#34465a}.check-list li:before{content:"✓";position:absolute;left:0;top:0;display:grid;place-items:center;width:20px;height:20px;border-radius:50%;background:#edf1e7;color:#4f6f53;font-weight:900;font-size:13px}.expert-box{background:#102235;color:#fff;border-radius:var(--radius);padding:28px;margin-bottom:24px;box-shadow:var(--shadow)}.expert-box h2,.expert-box h3{color:#fff}.expert-box p{color:#e3e9ef}.expert-box a{color:#fff;text-decoration:underline;font-weight:900}.related-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.related-card{display:block;border:1px solid var(--line);border-radius:18px;padding:18px;background:#f9fbfd}.related-card span{display:block;color:var(--brand2);font-weight:900;font-size:13px;text-transform:uppercase}.related-card strong{display:block;color:var(--ink);font-size:18px;margin:5px 0}.related-card em{display:block;color:var(--muted);font-style:normal;font-size:14px}.faq details{border:1px solid var(--line);border-radius:16px;padding:16px 18px;margin:12px 0;background:#fafcfe}.faq summary{font-weight:900;cursor:pointer}.contact-panel{display:grid;grid-template-columns:.9fr 1.1fr;gap:26px;background:linear-gradient(135deg,#1d3557,#435b44);border-radius:28px;padding:34px;margin:28px 0;color:#fff;box-shadow:var(--shadow)}.contact-panel h2,.contact-panel .eyebrow{color:#fff}.contact-panel p,.contact-panel li{color:#edf7f6}.lead-form{background:#fff;color:var(--ink);border-radius:22px;padding:24px;display:grid;gap:14px}.lead-form label{font-weight:800}.lead-form span{color:#c2410c}.lead-form small{font-weight:400;color:var(--muted)}input,textarea{width:100%;border:1px solid #cfd9e4;border-radius:14px;padding:13px 14px;font:inherit;margin-top:6px;background:#fff}input:focus,textarea:focus{outline:3px solid #bae6fd;border-color:#0284c7}.privacy-check{display:flex;gap:10px;font-weight:500;font-size:14px;align-items:flex-start}.privacy-check input{width:auto;margin-top:5px}.hp{position:absolute;left:-9999px;opacity:0}.professionals{width:100%;border-collapse:separate;border-spacing:0 10px}.professionals th{text-align:left;color:#0d2135}.professionals td,.professionals th{padding:12px;background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.professionals td:first-child,.professionals th:first-child{border-left:1px solid var(--line);border-radius:14px 0 0 14px}.professionals td:last-child,.professionals th:last-child{border-right:1px solid var(--line);border-radius:0 14px 14px 0}.site-footer{background:#111827;color:#d8e1ea;padding:48px 0 18px}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:34px}.site-footer h2{font-size:19px;color:#fff}.site-footer a{color:#fff}.footer-brand{color:#fff}.footer-links{list-style:none;padding:0;margin:0}.footer-links li{margin:7px 0}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:18px;color:#93a4b7;font-size:14px}.privacy-content ul{margin-top:0}.privacy-content li{margin:8px 0}@media(max-width:1100px){.brand{font-size:15px}.main-nav a{font-size:11px;padding:8px 9px}.header-cta{padding:9px 12px}}@media(max-width:980px){.nav-toggle{display:block}.main-nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;padding:14px 22px;border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(0,0,0,.08);flex-direction:column;align-items:flex-start;flex-wrap:nowrap}.main-nav.open{display:flex}.header-cta{display:none}.hero-grid,.content-grid,.contact-panel,.split-section,.footer-grid{grid-template-columns:1fr}.toc{position:static}.hero{padding-top:42px}.related-grid{grid-template-columns:1fr}}@media(max-width:620px){.container{padding:0 16px}h1{font-size:39px}.lead{font-size:18px}.section,.contact-panel{padding:22px;border-radius:18px}.hero-actions,.button-row{flex-direction:column}.btn{width:100%}.trust-row span{width:100%}.brand span:last-child{font-size:16px}.professionals{font-size:14px}}

.blog-meta{display:flex;gap:12px;flex-wrap:wrap;align-items:center;color:var(--muted);font-weight:800;margin:-4px 0 22px;font-size:15px}.blog-meta span{background:#fffdf8;border:1px solid var(--line);padding:7px 11px;border-radius:999px}.blog-hero-image{border-radius:24px;overflow:hidden;margin:26px 0;box-shadow:var(--shadow);border:1px solid var(--line);background:#fff}.blog-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.blog-card{display:block;background:#fffdf8;border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:0 8px 24px rgba(24,37,54,.06);color:var(--ink)}.blog-card:hover{text-decoration:none;transform:translateY(-2px);transition:.18s}.blog-card img{width:100%;aspect-ratio:16/9;object-fit:cover;background:#f2eee5}.blog-card-body{padding:18px}.blog-card .cat{display:inline-flex;margin-bottom:8px;color:#435b44;background:#edf1e7;border-radius:999px;padding:5px 9px;font-size:12px;font-weight:900;text-transform:uppercase}.blog-card h3{font-size:20px;margin:0 0 8px}.blog-card p{font-size:15px;color:var(--muted);margin:0 0 10px}.blog-card .date{font-size:13px;color:#7a6b50;font-weight:800}.read-more{display:inline-flex;margin-top:10px;font-weight:900;color:var(--brand)}.category-pills{display:flex;gap:10px;flex-wrap:wrap;margin:22px 0}.category-pills a{background:#fffdf8;border:1px solid var(--line);border-radius:999px;padding:9px 13px;font-weight:900}.category-pills a:hover{background:#eee6d7;text-decoration:none}.related-posts{margin-top:26px}.related-posts h2{margin-bottom:18px}.notice-box{background:#fff8e8;border:1px solid #ead9b8;border-radius:18px;padding:18px;color:#4b5563;margin:20px 0}.article .blog-body p{font-size:18px;color:#34465a}.article .blog-body ul{font-size:18px;color:#34465a}@media(max-width:980px){.blog-grid{grid-template-columns:1fr 1fr}}@media(max-width:620px){.blog-grid{grid-template-columns:1fr}}