:root {
  --ink: #10242b;
  --ink-soft: #4c5d61;
  --paper: #f8f8f4;
  --white: #fff;
  --line: #dfe5e1;
  --green: #c9e85b;
  --orange: #f27d4b;
  --serif: Georgia, "Times New Roman", serif;
  --sans: Arial, Helvetica, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--sans); line-height: 1.55; }
a { color: inherit; text-decoration: none; }
button, input, textarea { font: inherit; }
.container { width: min(1160px, calc(100% - 48px)); margin: 0 auto; }
.narrow { max-width: 900px; }
.skip-link { position: absolute; left: -9999px; top: 10px; z-index: 10; background: var(--green); padding: 10px 15px; }
.skip-link:focus { left: 10px; }

.site-header { height: 82px; background: rgba(248,248,244,.96); border-bottom: 1px solid var(--line); display: flex; align-items: center; position: relative; z-index: 5; }
.header-inner { display: flex; align-items: center; justify-content: space-between; }
.brand { display: inline-flex; align-items: center; gap: 11px; color: var(--ink); line-height: 1; }
.brand strong { display: block; font-size: 20px; letter-spacing: -1px; }
.brand small { display: block; font-size: 8px; letter-spacing: 2px; color: #718084; margin-top: 6px; }
.brand-mark { display: grid; place-items: center; width: 35px; height: 35px; border-radius: 50%; background: var(--green); font-size: 23px; font-weight: bold; transform: rotate(-12deg); }
.main-nav { display: flex; align-items: center; gap: 30px; font-size: 13px; font-weight: bold; }
.main-nav a { padding: 8px 0; color: #536468; }
.main-nav a:hover, .main-nav a.active { color: var(--ink); }
.nav-cta { padding: 12px 17px !important; border: 1px solid var(--ink); border-radius: 30px; color: var(--ink) !important; }
.nav-cta span { margin-left: 10px; font-size: 16px; }
.menu-toggle { display: none; background: none; border: 0; font-weight: bold; color: var(--ink); }

.hero { padding: 78px 0 72px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center; }
.eyebrow { font-size: 11px; font-weight: bold; letter-spacing: 2px; text-transform: uppercase; color: #6f7f80; margin: 0 0 19px; }
.eyebrow-dot { display: inline-block; width: 8px; height: 8px; border-radius: 50%; background: var(--orange); margin-right: 8px; }
.hero h1, .page-hero h1 { font-size: clamp(46px, 6vw, 80px); letter-spacing: -5px; line-height: .98; margin: 0 0 27px; max-width: 690px; }
.hero h1 em, .page-hero h1 em, h2 em { font-family: var(--serif); font-weight: normal; }
.hero-lead { color: var(--ink-soft); font-size: 18px; line-height: 1.55; max-width: 535px; margin: 0; }
.hero-actions { display: flex; align-items: center; gap: 27px; margin: 35px 0; }
.button { border: 0; display: inline-flex; align-items: center; justify-content: center; gap: 17px; padding: 16px 21px; border-radius: 30px; font-weight: bold; cursor: pointer; }
.button-primary { background: var(--ink); color: white; }
.button-primary:hover { background: #243d44; }
.button span { font-size: 19px; }
.text-link { font-weight: bold; font-size: 13px; border-bottom: 1px solid #9ba8a7; padding-bottom: 4px; }
.text-link span { font-size: 18px; margin-left: 8px; }
.hero-note { display: flex; align-items: center; gap: 10px; max-width: 440px; border-top: 1px solid var(--line); padding-top: 17px; color: #718084; font-size: 11px; }
.note-icon { display: inline-grid; place-items: center; width: 20px; height: 20px; border: 1px solid #91a09e; border-radius: 50%; font-size: 12px; font-weight: bold; flex: none; }
.hero-visual { height: 450px; position: relative; display: grid; place-items: center; }
.visual-orbit { position: absolute; border: 1px solid #dbe1d8; border-radius: 50%; }
.orbit-one { width: 430px; height: 430px; }
.orbit-two { width: 320px; height: 320px; border-color: #e7ebe2; }
.road-card { width: 330px; height: 385px; position: relative; overflow: hidden; border-radius: 190px 190px 25px 25px; background: linear-gradient(150deg,#b9e0df,#ece5bf); box-shadow: 25px 30px 45px rgba(16,36,43,.13); }
.road-sun { width: 75px; height: 75px; border-radius: 50%; background: #f3a660; position: absolute; top: 55px; right: 60px; opacity: .9; }
.road-lines { position: absolute; width: 200%; height: 170%; left: -50%; top: 39%; background: linear-gradient(80deg,transparent 42%,#f9f4dc 42%,#f9f4dc 45%,transparent 45%,transparent 56%,#f9f4dc 56%,#f9f4dc 59%,transparent 59%); transform: rotate(18deg); }
.road-lines:after { content: ""; position: absolute; inset: 0; background: linear-gradient(80deg,transparent 47%,rgba(18,43,49,.8) 47%,rgba(18,43,49,.8) 54%,transparent 54%); }
.road-sign { position: absolute; top: 90px; left: 65px; border: 3px solid #fff; background: #f19b55; color: #fff; border-radius: 4px; line-height: 1.1; text-align: center; padding: 7px 10px; font-size: 18px; transform: rotate(-6deg); box-shadow: 3px 5px 0 rgba(16,36,43,.15); }
.road-sign b { font-size: 25px; }
.road-label { position: absolute; bottom: 28px; left: 30px; color: var(--ink); }
.road-label span { display: block; font-size: 10px; text-transform: uppercase; letter-spacing: 1.5px; font-weight: bold; margin-bottom: 5px; }
.road-label strong { font-family: var(--serif); font-size: 24px; line-height: 1.05; }
.floating-tag { position: absolute; z-index: 1; background: #fff; border-radius: 20px; padding: 11px 15px; box-shadow: 0 12px 25px rgba(16,36,43,.12); font-size: 11px; font-weight: bold; }
.tag-top { top: 60px; right: 4px; }
.tag-top b { color: var(--orange); margin-left: 9px; }
.tag-bottom { bottom: 56px; left: 0; }
.tag-bottom span { color: #e78952; margin-right: 5px; }

.trust-strip { background: var(--ink); color: #cad5d1; font-size: 11px; }
.trust-inner { min-height: 58px; display: flex; align-items: center; gap: 20px; overflow: hidden; white-space: nowrap; }
.trust-label { color: var(--green); font-weight: bold; text-transform: uppercase; letter-spacing: 1px; margin-right: auto; }
.trust-inner i { display: block; width: 4px; height: 4px; border-radius: 50%; background: #718488; }
.section { padding: 100px 0; }
.section-heading { display: flex; align-items: flex-end; justify-content: space-between; gap: 20px; margin-bottom: 36px; }
.section-heading.compact { align-items: center; }
.section-heading h2, .faq-section h2, .content-grid h2, .contact-info h2, .legal-company h2 { font-size: 46px; letter-spacing: -3px; line-height: 1; margin: 0; }

.featured-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.featured-card { background: var(--white); border: 1px solid var(--line); border-radius: 8px; overflow: hidden; }
.article-art { height: 230px; position: relative; overflow: hidden; padding: 20px; }
.art-kicker { position: relative; z-index: 2; font-size: 9px; letter-spacing: 1.5px; font-weight: bold; }
.art-title { position: absolute; bottom: 20px; left: 20px; right: 20px; z-index: 2; font-family: var(--serif); font-size: 25px; line-height: 1.05; }
.art-rain { background: linear-gradient(145deg,#b8dfe0,#6da9a9); }
.art-rain:before { content: ""; position: absolute; width: 240px; height: 120px; background: #d9ebdd; border-radius: 50%; right: -45px; bottom: 20px; transform: rotate(-18deg); }
.art-cloud { position: absolute; right: 27px; top: 38px; font-size: 66px; color: #f4edcf; opacity: .8; }
.art-rain-lines { position: absolute; inset: -30px; background: repeating-linear-gradient(112deg,transparent 0 24px,rgba(255,255,255,.38) 25px 27px,transparent 28px 52px); transform: rotate(9deg); }
.art-road { position: absolute; width: 170%; height: 230px; bottom: -105px; left: -25%; background: #244c51; transform: rotate(-12deg); border-top: 8px solid #efd991; }
.art-cnh { background: #f1d778; }
.art-card-paper { position: absolute; width: 160px; height: 205px; background: #f7f5e7; right: 38px; top: 22px; transform: rotate(9deg); box-shadow: 6px 8px 0 rgba(16,36,43,.12); }
.art-card-paper:after { content: ""; position: absolute; inset: 25px 20px; background: repeating-linear-gradient(#c3d5d1 0 2px,transparent 3px 18px); }
.art-card-stamp { position: absolute; right: 45px; top: 104px; z-index: 1; border: 3px solid var(--orange); color: var(--orange); font-weight: bold; padding: 7px; transform: rotate(16deg); }
.art-city { background: linear-gradient(#b8d9da 0 54%,#f0cc74 54%); }
.city-sun { position: absolute; width: 76px; height: 76px; top: 35px; right: 48px; background: #ef9861; border-radius: 50%; }
.city-buildings { position: absolute; bottom: 0; left: 0; right: 0; height: 94px; background: linear-gradient(90deg,#244c51 0 12%,transparent 12% 16%,#37656a 16% 27%,transparent 27% 33%,#244c51 33% 43%,transparent 43% 48%,#37656a 48% 62%,transparent 62% 67%,#244c51 67% 79%,transparent 79% 84%,#37656a 84%); }
.article-content { padding: 23px 22px 25px; }
.article-meta { display: flex; gap: 12px; justify-content: space-between; color: #718084; text-transform: uppercase; font-size: 9px; font-weight: bold; letter-spacing: .8px; }
.article-meta span:first-child { color: #e7764b; }
.article-content h3 { font-size: 21px; line-height: 1.15; margin: 13px 0 10px; }
.article-content p { font-size: 13px; color: var(--ink-soft); margin: 0 0 22px; }
.article-link { font-size: 12px; font-weight: bold; }
.article-link span { font-size: 17px; margin-left: 6px; }

.categories-section { background: #edf0e9; }
.heading-description { color: var(--ink-soft); font-size: 14px; max-width: 300px; margin: 0; }
.category-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.category-tile { min-height: 170px; border-radius: 8px; padding: 22px; display: flex; flex-direction: column; transition: transform .2s; }
.category-tile:hover { transform: translateY(-4px); }
.tile-green { background: #cbe867; }.tile-yellow { background: #f5da70; }.tile-blue { background: #c7e4e8; }.tile-orange { background: #f18b59; }
.category-icon { font-size: 28px; margin-bottom: 26px; }
.category-tile strong { font-size: 17px; }.category-tile small { font-size: 11px; margin-top: 3px; }.category-arrow { margin-top: auto; align-self: flex-end; font-size: 22px; }
.all-articles-section { padding-top: 90px; }
.search-box { display: flex; align-items: center; gap: 10px; border-bottom: 1px solid var(--ink); padding-bottom: 7px; }
.search-box label { font-size: 10px; text-transform: uppercase; font-weight: bold; letter-spacing: 1px; }
.search-box input { border: 0; background: transparent; width: 170px; outline: 0; font-size: 13px; }
.filter-row { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 20px; }
.filter-button { background: transparent; border: 1px solid var(--line); border-radius: 18px; padding: 8px 15px; color: #657477; font-size: 11px; cursor: pointer; }
.filter-button.active, .filter-button:hover { background: var(--ink); border-color: var(--ink); color: #fff; }
.article-list { border-top: 1px solid var(--line); }
.list-card { display: grid; grid-template-columns: 56px 1fr 25px; gap: 24px; align-items: start; padding: 25px 0; border-bottom: 1px solid var(--line); }
.list-number { font-family: var(--serif); font-size: 24px; color: #aebbb6; }
.list-card h3 { font-size: 21px; line-height: 1.1; margin: 9px 0 7px; }.list-card p { color: var(--ink-soft); font-size: 13px; margin: 0; max-width: 720px; }.list-arrow { font-size: 23px; }
.empty-state { color: var(--ink-soft); padding: 30px 0; }

.faq-section { background: #fff; }.faq-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 100px; }.faq-section h2 { margin-bottom: 20px; }.muted { color: var(--ink-soft); font-size: 14px; }
.faq-list details { border-top: 1px solid var(--line); padding: 20px 0; }.faq-list details:last-child { border-bottom: 1px solid var(--line); }
summary { list-style: none; cursor: pointer; font-weight: bold; font-size: 16px; display: flex; justify-content: space-between; } summary::-webkit-details-marker { display: none; } summary:after { content: "+"; font-size: 23px; font-weight: normal; } details[open] summary:after { content: "−"; }
details p { color: var(--ink-soft); font-size: 13px; max-width: 600px; margin: 13px 30px 0 0; }

.site-footer { background: var(--ink); color: #d4dfda; padding: 0 0 22px; }
.footer-warning { display: flex; gap: 17px; padding: 28px 0; border-bottom: 1px solid #3c5054; color: #d4dfda; }
.warning-icon { display: grid; place-items: center; flex: none; width: 24px; height: 24px; border: 1px solid var(--orange); color: var(--orange); border-radius: 50%; font-weight: bold; }
.footer-warning strong { font-size: 10px; letter-spacing: 1.5px; color: var(--green); }.footer-warning p { font-size: 12px; max-width: 850px; margin: 6px 0 0; line-height: 1.6; }
.footer-main { display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 30px; padding: 47px 0; }.footer-brand { color: #fff; }.footer-main > div > p { font-size: 12px; color: #98aca7; max-width: 220px; }
.footer-column { display: flex; flex-direction: column; gap: 10px; font-size: 12px; }.footer-column strong { color: #fff; margin-bottom: 6px; }.footer-column a { color: #9eb0ac; }.footer-column a:hover { color: var(--green); }
.footer-bottom { border-top: 1px solid #3c5054; padding-top: 19px; display: flex; justify-content: space-between; color: #809491; font-size: 10px; }

.page-hero { padding: 95px 0 85px; background: #edf0e9; }.page-hero h1 { max-width: 800px; }
.content-grid { display: grid; grid-template-columns: 1.5fr .8fr; gap: 100px; }.prose { font-size: 16px; color: var(--ink-soft); }.prose h2 { color: var(--ink); font-size: 30px; margin: 42px 0 13px; letter-spacing: -1px; }.prose h2:first-child { margin-top: 0; }.prose p { max-width: 720px; }.prose li { margin: 10px 0; }
.side-note { background: #e1eed4; border-radius: 6px; padding: 27px; color: var(--ink); align-self: start; }.side-note .note-icon { margin-bottom: 25px; }.side-note h3 { font-family: var(--serif); font-size: 27px; line-height: 1.05; margin: 0 0 12px; }.side-note p { font-size: 13px; color: #53645e; margin: 0 0 25px; }
.independent-section { padding-top: 0; }.independent-box { background: var(--ink); color: #eaf0e9; border-radius: 8px; padding: 55px 65px; }.independent-box .eyebrow { color: var(--green); }.independent-box h2 { font-size: 42px; letter-spacing: -2px; margin: 0 0 14px; }.independent-box p { max-width: 760px; color: #bdccc5; font-size: 15px; }
.legal-company { max-width: 700px; }.legal-company a, .prose a { color: #537675; text-decoration: underline; }
.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 110px; }.contact-info h2 { font-size: 42px; margin-bottom: 20px; }.contact-detail { display: flex; gap: 15px; align-items: center; margin: 27px 0; }.detail-icon { width: 39px; height: 39px; border-radius: 50%; background: var(--green); display: grid; place-items: center; font-weight: bold; }.contact-detail small { display: block; text-transform: uppercase; font-size: 9px; letter-spacing: 1px; color: #7b8988; }.contact-detail a { font-weight: bold; font-size: 14px; }
.contact-form { background: #fff; padding: 35px; border: 1px solid var(--line); border-radius: 7px; }.form-row { display: flex; flex-direction: column; margin-bottom: 20px; }.form-row label { font-size: 11px; font-weight: bold; margin-bottom: 7px; }.form-row label span { color: var(--orange); }.form-row input, .form-row textarea { border: 1px solid #ced8d3; border-radius: 3px; padding: 12px; background: #fbfcf9; outline: none; color: var(--ink); }.form-row input:focus, .form-row textarea:focus { border-color: #6d918b; box-shadow: 0 0 0 3px rgba(201,232,91,.28); }.form-status { font-size: 12px; color: #537675; min-height: 18px; }.form-hint { display: block; color: #7a8988; font-size: 10px; line-height: 1.5; margin-top: 15px; }
.legal-layout { display: grid; grid-template-columns: 220px 1fr; gap: 90px; }.legal-index { display: flex; flex-direction: column; align-self: start; position: sticky; top: 25px; border-left: 2px solid var(--green); padding-left: 16px; gap: 10px; font-size: 12px; }.legal-index strong { font-size: 10px; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 8px; }.legal-index a { color: #667775; }.legal-index a:hover { color: var(--ink); }

.article-page { background: var(--paper); }.article-breadcrumb { padding-top: 28px; font-size: 11px; color: #788985; }.article-breadcrumb a { color: #58746f; text-decoration: underline; }
.article-header { padding: 45px 0 44px; max-width: 850px; }.article-header .eyebrow { color: #e7764b; margin-bottom: 16px; }.article-header h1 { font-size: clamp(42px, 6vw, 72px); letter-spacing: -4px; line-height: 1; margin: 0 0 24px; }.article-summary { font-size: 19px; line-height: 1.5; color: var(--ink-soft); max-width: 730px; margin: 0 0 24px; }.article-meta-line { display: flex; flex-wrap: wrap; gap: 13px; color: #718084; font-size: 11px; text-transform: uppercase; letter-spacing: .7px; font-weight: bold; }.article-meta-line span + span:before { content: "•"; margin-right: 13px; color: var(--orange); }
.article-visual { height: 300px; border-radius: 8px; overflow: hidden; margin-bottom: 52px; position: relative; }.article-visual .article-art { height: 100%; width: 100%; padding: 35px; }.article-visual .art-title { font-size: clamp(28px, 4vw, 48px); max-width: 650px; bottom: 35px; left: 35px; }
.article-layout { display: grid; grid-template-columns: minmax(0, 750px) 235px; gap: 90px; align-items: start; }.article-body { font-size: 17px; color: var(--ink-soft); }.article-body h2 { font-size: 32px; line-height: 1.1; color: var(--ink); letter-spacing: -1px; margin: 47px 0 14px; }.article-body h2:first-child { margin-top: 0; }.article-body h3 { font-size: 21px; color: var(--ink); margin: 29px 0 7px; }.article-body p { margin: 0 0 19px; }.article-body ul { padding-left: 22px; margin: 9px 0 24px; }.article-body li { margin: 9px 0; }.article-body blockquote { border-left: 4px solid var(--green); background: #edf0e9; color: var(--ink); margin: 30px 0; padding: 20px 24px; font-family: var(--serif); font-size: 21px; line-height: 1.3; }
.article-notice { background: #fff; border: 1px solid var(--line); border-radius: 6px; padding: 22px; margin: 33px 0; color: #53645e; font-size: 13px; }.article-notice strong { display: block; color: var(--ink); font-size: 11px; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 7px; }
.article-sidebar { border-top: 2px solid var(--green); padding-top: 17px; position: sticky; top: 25px; }.article-sidebar strong { display: block; text-transform: uppercase; font-size: 10px; letter-spacing: 1px; margin-bottom: 13px; }.article-sidebar a { display: block; font-family: var(--serif); font-size: 18px; line-height: 1.1; margin: 14px 0; }.article-sidebar a:hover { color: #68867e; }.article-tags { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 35px; }.article-tags span { font-size: 10px; border: 1px solid var(--line); padding: 6px 10px; border-radius: 20px; color: #6c7d7a; }
.related-section { background: #edf0e9; margin-top: 80px; }.related-section h2 { font-size: 38px; letter-spacing: -2px; margin: 0 0 28px; }.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px; }.related-card { background: #fff; padding: 21px; border-radius: 6px; border: 1px solid var(--line); min-height: 140px; }.related-card small { color: #e7764b; text-transform: uppercase; font-size: 9px; font-weight: bold; letter-spacing: 1px; }.related-card strong { display: block; font-family: var(--serif); font-size: 21px; line-height: 1.1; margin-top: 13px; }.related-card:hover { transform: translateY(-3px); transition: transform .2s; }

@media (max-width: 850px) {
  .container { width: min(100% - 34px, 650px); }
  .site-header { height: 70px; }
  .menu-toggle { display: block; }
  .main-nav { display: none; position: absolute; top: 69px; left: 0; right: 0; background: var(--paper); padding: 15px 17px 22px; border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; gap: 4px; }
  .main-nav.open { display: flex; }.main-nav a { padding: 12px; }.nav-cta { margin-top: 6px; text-align: center; }
  .hero { padding: 55px 0; }.hero-grid { grid-template-columns: 1fr; gap: 35px; }.hero h1 { font-size: 56px; }.hero-visual { height: 370px; transform: scale(.85); margin: -25px 0; }
  .trust-inner { gap: 14px; }.trust-inner span:not(.trust-label), .trust-inner i { display: none; }.trust-label { margin: 0; }
  .section { padding: 70px 0; }.section-heading { align-items: flex-start; flex-direction: column; }.section-heading h2, .faq-section h2, .content-grid h2, .contact-info h2, .legal-company h2 { font-size: 39px; }.desktop-only { display: none; }
  .featured-grid { grid-template-columns: 1fr; }.article-art { height: 210px; }.category-grid { grid-template-columns: 1fr 1fr; }.faq-grid, .content-grid, .contact-grid, .legal-layout { grid-template-columns: 1fr; gap: 42px; }.legal-index { position: static; }
  .footer-main { grid-template-columns: 1fr 1fr; }.footer-bottom { flex-direction: column; gap: 8px; }.page-hero { padding: 65px 0; }.page-hero h1 { font-size: 52px; }.independent-box { padding: 35px 25px; }.independent-box h2 { font-size: 36px; }.contact-form { padding: 25px; }.legal-prose { max-width: none; }.hero-note { font-size: 10px; }
  .article-header { padding-top: 30px; }.article-layout { grid-template-columns: 1fr; gap: 45px; }.article-sidebar { position: static; }.related-grid { grid-template-columns: 1fr; }.article-visual { height: 240px; margin-bottom: 38px; }
}

@media (max-width: 480px) {
  .hero h1, .page-hero h1 { font-size: 46px; letter-spacing: -3px; }.hero-actions { align-items: flex-start; flex-direction: column; gap: 22px; }.hero-visual { transform: scale(.7); margin: -55px 0 -45px; }.category-grid { grid-template-columns: 1fr; }
  .list-card { grid-template-columns: 38px 1fr 15px; gap: 10px; }.list-card h3 { font-size: 17px; }.list-card p { font-size: 12px; }.list-number { font-size: 19px; }.search-box { width: 100%; justify-content: space-between; }.search-box input { flex: 1; }.footer-main { grid-template-columns: 1fr; }.footer-warning { align-items: flex-start; }.footer-warning p { font-size: 11px; }
  .article-header h1 { font-size: 44px; }.article-summary { font-size: 17px; }.article-visual .article-art { padding: 22px; }.article-visual .art-title { left: 22px; bottom: 22px; }
}