:root{--navy:#102b3f;--blue:#176b87;--sky:#eaf5f7;--sand:#f4f0e8;--ink:#17242d;--muted:#5f6d75;--white:#fff;--line:#d9e1e5;--accent:#d65f3a}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.6;background:#fff}a{color:inherit}.wrap{width:min(1160px,calc(100% - 40px));margin:auto}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.nav{height:72px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800;color:var(--navy);font-size:1.08rem}.brand-mark{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-size:.82rem;letter-spacing:.04em}.nav nav{display:flex;gap:24px}.nav nav a{text-decoration:none;font-size:.92rem;font-weight:650}.menu{display:none;border:0;background:none;font-size:1.5rem}.hero{background:linear-gradient(120deg,#eef8fa 0%,#f8f5ee 100%);padding:82px 0}.hero-grid{display:grid;grid-template-columns:1.4fr .8fr;gap:58px;align-items:center}.eyebrow{font-size:.76rem;letter-spacing:.13em;font-weight:800;color:var(--blue);margin:0 0 10px;text-transform:uppercase}.hero h1{font-size:clamp(2.7rem,6vw,5.4rem);line-height:.98;letter-spacing:-.055em;color:var(--navy);margin:0 0 24px;max-width:850px}.lead{font-size:1.18rem;max-width:780px;color:#3c505c}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.btn{display:inline-block;border:0;border-radius:6px;padding:12px 18px;font-weight:750;text-decoration:none;cursor:pointer;font-size:.94rem}.primary{background:var(--navy);color:#fff}.secondary{background:var(--blue);color:#fff}.ghost{border:1px solid #8ca0aa;background:transparent;color:var(--navy)}.ghost.dark{border-color:#687780}.small{font-size:.82rem;color:var(--muted)}.hero-card{background:#fff;padding:28px;border-radius:14px;box-shadow:0 16px 50px rgba(16,43,63,.10);border:1px solid #dce8eb}.hero-card h2{font-size:1.7rem;line-height:1.1;margin:10px 0 18px;color:var(--navy)}.status,.step{display:inline-block;font-size:.68rem;font-weight:850;letter-spacing:.1em;color:var(--accent);text-transform:uppercase}.metric{display:flex;align-items:baseline;gap:12px;border-top:1px solid var(--line);padding:10px 0}.metric strong{font-size:1.8rem;color:var(--navy)}.metric span{color:var(--muted)}.text-link{font-weight:750;color:var(--blue)}.section{padding:78px 0}.section.alt{background:var(--sand)}.section h2{font-size:clamp(2rem,4vw,3.2rem);line-height:1.08;letter-spacing:-.035em;color:var(--navy);margin:0 0 28px}.section h3{color:var(--navy)}.intro{max-width:850px;font-size:1.08rem}.two-col{display:grid;grid-template-columns:1.25fr .75fr;gap:50px}.callout{background:var(--sky);padding:28px;border-left:5px solid var(--blue);border-radius:6px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:34px 0}.cards article{background:#fff;padding:24px;border-radius:10px;border:1px solid #e1ddd5}.cards h3{margin-top:0}.balance{background:#fff;border:1px solid #ded8cc;border-radius:8px;padding:22px}.question-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.question-grid details{border:1px solid var(--line);border-radius:8px;padding:18px 20px;background:#fff}.question-grid summary{font-weight:800;color:var(--navy);cursor:pointer}.action-section{background:var(--navy);color:#fff}.action-section h2,.action-section h3{color:#fff}.action-section .eyebrow{color:#8fd0df}.action-section .intro,.action-section .small{color:#c6d3da}.action-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:34px 0}.action-card{border:1px solid #365064;border-radius:10px;padding:24px;background:#17364b}.action-card.featured{background:#fff;color:var(--ink)}.action-card.featured h3{color:var(--navy)}.builder{margin-top:54px;background:#fff;color:var(--ink);border-radius:12px;padding:30px}.builder h3{color:var(--navy);font-size:1.5rem;margin:0}.checks{display:grid;grid-template-columns:1fr 1fr;gap:8px 20px;margin:22px 0}.checks label{padding:8px 0}.full{display:block;font-weight:750}.full textarea,.draft{display:block;width:100%;margin-top:8px;border:1px solid #b9c5cb;border-radius:6px;padding:12px;font:inherit}.draft{background:#f5f7f8}.sources{display:grid;grid-template-columns:1fr 1fr;gap:12px}.sources a{display:flex;flex-direction:column;text-decoration:none;background:#fff;padding:20px;border:1px solid #e1ddd5;border-radius:8px}.sources a:hover{border-color:var(--blue)}.sources span{color:var(--muted);font-size:.9rem}.updated{font-size:.82rem;color:var(--muted);margin-top:20px}footer{background:#0b202e;color:#d6e0e5;padding:38px 0}.footer-grid{display:flex;justify-content:space-between;gap:30px}.footer-grid p{margin:.25rem 0}.footer-grid a{font-weight:700}
@media(max-width:820px){.nav nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;padding:20px;flex-direction:column;border-bottom:1px solid var(--line)}.nav nav.open{display:flex}.menu{display:block}.hero{padding:55px 0}.hero-grid,.two-col{grid-template-columns:1fr}.hero-grid{gap:30px}.cards,.action-grid{grid-template-columns:1fr}.question-grid,.sources,.checks{grid-template-columns:1fr}.footer-grid{flex-direction:column}.hero h1{font-size:3.2rem}}