:root{
  --ink:#172033;--muted:#5a6679;--paper:#ffffff;--soft:#f4f7fb;--line:#dce3ec;
  --brand:#195c82;--brand-dark:#103f5c;--accent:#d87b24;--good:#236a4b;--warn:#82551a;
  --shadow:0 12px 30px rgba(23,32,51,.09);--radius:18px;--wrap:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
img,svg{max-width:100%;height:auto}
a{color:var(--brand-dark);text-decoration-thickness:.08em;text-underline-offset:.16em}
a:hover{color:var(--accent)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #f2aa62;outline-offset:3px}
.skip-link{position:absolute;left:-9999px;top:auto}.skip-link:focus{left:1rem;top:1rem;z-index:999;background:#fff;padding:.7rem 1rem;border:2px solid var(--brand)}
.wrap{width:min(var(--wrap),calc(100% - 2rem));margin-inline:auto}
.site-header{border-bottom:1px solid var(--line);background:rgba(255,255,255,.97);position:sticky;top:0;z-index:50}
.header-row{display:flex;align-items:center;gap:1.25rem;min-height:76px}
.brand{display:flex;align-items:center;gap:.75rem;text-decoration:none;color:var(--ink);min-width:max-content}
.brand-mark{display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:linear-gradient(135deg,var(--brand),var(--brand-dark));color:#fff;font-weight:850;letter-spacing:-.04em;box-shadow:var(--shadow)}
.brand-copy{line-height:1.12}.brand-copy strong{display:block;font-size:1rem}.brand-copy small{display:block;color:var(--muted);font-size:.72rem;margin-top:.17rem}
.nav-toggle{display:none;margin-left:auto;border:1px solid var(--line);border-radius:10px;background:#fff;padding:.55rem .75rem;font:inherit;font-weight:700}
.main-nav{margin-left:auto}.main-nav ul{display:flex;align-items:center;gap:.15rem;list-style:none;margin:0;padding:0}
.main-nav a{display:block;padding:.7rem .75rem;border-radius:9px;text-decoration:none;font-weight:700;font-size:.92rem;color:var(--ink)}
.main-nav a:hover,.main-nav a[aria-current="page"]{background:var(--soft);color:var(--brand-dark)}
.hero{background:linear-gradient(120deg,#edf6fb 0%,#f8fbfd 55%,#fff7ed 100%);border-bottom:1px solid var(--line);padding:clamp(3rem,7vw,6.3rem) 0}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(280px,.75fr);gap:clamp(2rem,5vw,5rem);align-items:center}
.eyebrow{font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;color:var(--brand);font-weight:850;margin:0 0 .75rem}
h1,h2,h3{line-height:1.18;letter-spacing:-.025em}
h1{font-size:clamp(2.25rem,5vw,4.65rem);margin:.1rem 0 1.15rem;max-width:16ch}
h2{font-size:clamp(1.65rem,3vw,2.55rem);margin:2.8rem 0 1rem}
h3{font-size:1.2rem;margin:1.8rem 0 .55rem}
.hero p{font-size:clamp(1.05rem,2vw,1.25rem);max-width:64ch;color:#3f4c60}
.button-row{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.6rem}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:.72rem 1.05rem;border-radius:11px;background:var(--brand);color:#fff;text-decoration:none;font-weight:800;border:2px solid var(--brand)}
.button:hover{background:var(--brand-dark);color:#fff;border-color:var(--brand-dark)}
.button.secondary{background:#fff;color:var(--brand-dark);border-color:#b9cad8}.button.secondary:hover{border-color:var(--brand);background:#f8fbfd}
.hero-panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.35rem;box-shadow:var(--shadow)}
.hero-panel h2{font-size:1.25rem;margin:0 0 .65rem}.hero-panel ol{margin:.4rem 0 0;padding-left:1.35rem}.hero-panel li+li{margin-top:.5rem}
.section{padding:clamp(2.8rem,6vw,5rem) 0}.section.soft{background:var(--soft);border-block:1px solid var(--line)}
.section-heading{display:flex;align-items:end;justify-content:space-between;gap:1rem;margin-bottom:1.4rem}.section-heading h2{margin:0}.section-heading p{margin:0;color:var(--muted);max-width:54ch}
.grid{display:grid;gap:1.15rem}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem;box-shadow:0 5px 18px rgba(23,32,51,.045)}
.card h2,.card h3{margin-top:0}.card p:last-child{margin-bottom:0}.card-link{display:block;text-decoration:none;color:inherit;transition:transform .15s ease,border-color .15s ease}.card-link:hover{transform:translateY(-2px);border-color:#9cb6c8;color:inherit}
.card .tag,.tag{display:inline-flex;align-items:center;border-radius:999px;padding:.28rem .58rem;background:#e8f2f7;color:var(--brand-dark);font-size:.75rem;font-weight:800}
.card .arrow{font-weight:850;color:var(--brand);margin-top:.8rem}
.category-band{border-left:5px solid var(--accent);padding-left:1rem;margin:2.7rem 0 1.1rem}.category-band h2{margin:0}.category-band p{margin:.35rem 0 0;color:var(--muted)}
.breadcrumbs{font-size:.86rem;color:var(--muted);padding:1rem 0}.breadcrumbs ol{display:flex;flex-wrap:wrap;gap:.35rem;list-style:none;margin:0;padding:0}.breadcrumbs li:not(:last-child)::after{content:"›";margin-left:.35rem}
.page-hero{background:linear-gradient(115deg,#eef6fa,#fff);border-bottom:1px solid var(--line);padding:2.8rem 0 2.5rem}.page-hero h1{font-size:clamp(2rem,4vw,3.6rem);max-width:22ch;margin:.2rem 0 .8rem}.page-hero p{max-width:68ch;color:#465468;font-size:1.08rem}
.meta-row{display:flex;flex-wrap:wrap;gap:.7rem 1.2rem;color:var(--muted);font-size:.9rem;margin-top:1.25rem}
.content-layout{display:grid;grid-template-columns:minmax(0,760px) minmax(230px,320px);gap:clamp(2rem,5vw,4.5rem);align-items:start;padding:2.5rem 0 4rem}
.prose{min-width:0}.prose>p:first-child{font-size:1.1rem;color:#344156}.prose p,.prose li{max-width:74ch}.prose ul,.prose ol{padding-left:1.35rem}.prose li+li{margin-top:.38rem}
.prose h2{padding-top:.3rem;border-top:1px solid var(--line)}.prose h2:first-of-type{border-top:0}
.prose code{background:#eef2f6;border:1px solid #dde4eb;border-radius:5px;padding:.08rem .28rem;font-size:.9em;overflow-wrap:anywhere}
kbd{display:inline-block;min-width:1.9em;padding:.08rem .35rem;border:1px solid #aeb9c5;border-bottom-width:3px;border-radius:5px;background:#fff;font:700 .82em/1.5 system-ui;color:#273447;text-align:center}
.key-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.6rem;margin:1rem 0}.key-grid span{border:1px solid var(--line);border-radius:10px;padding:.65rem;background:#fafcfe}
.callout{border:1px solid #c8dbe7;border-left:5px solid var(--brand);background:#f1f8fb;border-radius:11px;padding:1rem 1.1rem;margin:1.35rem 0}.callout.warning{border-color:#ead3b4;border-left-color:var(--accent);background:#fff8ef}.callout.good{border-color:#bcd9ca;border-left-color:var(--good);background:#f2faf6}.callout strong{display:block;margin-bottom:.25rem}
.sidebar{position:sticky;top:96px}.sidebar .card+.card{margin-top:1rem}.sidebar h2{font-size:1.05rem;margin:0 0 .6rem}.sidebar ul{list-style:none;margin:0;padding:0}.sidebar li+li{border-top:1px solid var(--line)}.sidebar a{display:block;padding:.5rem 0;text-decoration:none;font-weight:650}
.checklist{list-style:none!important;padding:0!important}.checklist li{position:relative;padding:.75rem .8rem .75rem 2.35rem!important;border:1px solid var(--line);border-radius:10px;background:#fff;margin:.55rem 0!important}.checklist li::before{content:"✓";position:absolute;left:.8rem;top:.72rem;color:var(--good);font-weight:900}
.search-panel{display:flex;gap:.7rem;align-items:center;margin:1.4rem 0}.search-panel input{width:100%;min-height:48px;border:1px solid #aebdca;border-radius:10px;padding:.7rem .85rem;font:inherit}
.filter-status{color:var(--muted);font-size:.92rem}
.glossary{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}.term{border:1px solid var(--line);border-radius:13px;padding:1rem;background:#fff}.term dt{font-weight:850;color:var(--brand-dark)}.term dd{margin:.25rem 0 0;color:#465468}
.tool-box{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:clamp(1rem,3vw,1.6rem);box-shadow:var(--shadow)}.tool-box fieldset{border:0;padding:0;margin:0}.tool-box legend{font-size:1.2rem;font-weight:850;margin-bottom:1rem}.tool-row{display:grid;grid-template-columns:1fr auto;gap:1rem;align-items:center;padding:.75rem 0;border-bottom:1px solid var(--line)}.tool-row label{font-weight:650}.tool-row input[type=checkbox]{width:1.35rem;height:1.35rem}.progress-shell{height:18px;background:#e7edf2;border-radius:999px;overflow:hidden;margin:1rem 0}.progress-bar{height:100%;width:0;background:linear-gradient(90deg,var(--brand),#2f8db7);transition:width .25s ease}.result-box{background:var(--soft);border-radius:12px;padding:1rem;margin-top:1rem}.planner-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}.field label{display:block;font-weight:750;margin-bottom:.35rem}.field input,.field select,.field textarea{width:100%;border:1px solid #aebdca;border-radius:9px;padding:.7rem;font:inherit;background:#fff}.field textarea{min-height:100px;resize:vertical}
.steps{counter-reset:steps;list-style:none;padding:0!important}.steps li{counter-increment:steps;position:relative;padding:1rem 1rem 1rem 3.5rem!important;border:1px solid var(--line);border-radius:12px;background:#fff;margin:.7rem 0!important}.steps li::before{content:counter(steps);position:absolute;left:1rem;top:.95rem;width:1.8rem;height:1.8rem;border-radius:50%;display:grid;place-items:center;background:var(--brand);color:#fff;font-weight:850}
.notice{font-size:.9rem;color:var(--muted)}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px}table{border-collapse:collapse;width:100%;min-width:580px}th,td{text-align:left;padding:.75rem;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--soft)}
.site-footer{background:#132335;color:#e9f0f5;padding:3rem 0 1.5rem}.footer-grid{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:2rem}.site-footer h2{font-size:1rem;margin:0 0 .7rem;color:#fff}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li+li{margin-top:.35rem}.site-footer a{color:#e9f0f5}.site-footer p{color:#c4d0da}.footer-bottom{border-top:1px solid #3b4a59;margin-top:2rem;padding-top:1.2rem;color:#b8c6d1;font-size:.85rem}
.ad-label{font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);text-align:center;margin:1.5rem 0 .2rem}
.ad-space{min-height:90px;border:1px dashed #ccd5de;border-radius:10px;background:#fafcfd;display:grid;place-items:center;color:#7a8595;font-size:.82rem;margin-bottom:1.5rem}
.visually-hidden{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
.no-results{display:none;padding:1rem;border:1px solid var(--line);border-radius:10px;background:var(--soft)}
@media(max-width:900px){
  .nav-toggle{display:block}.main-nav{display:none;position:absolute;left:0;right:0;top:76px;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow);padding:.7rem 1rem}.main-nav.open{display:block}.main-nav ul{display:grid;grid-template-columns:repeat(2,minmax(0,1fr))}
  .hero-grid,.content-layout{grid-template-columns:1fr}.sidebar{position:static}.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:620px){
  body{font-size:16px}.wrap{width:min(var(--wrap),calc(100% - 1.2rem))}.header-row{min-height:68px;gap:.5rem}.brand{min-width:0;gap:.5rem}.brand-copy strong{font-size:.72rem;white-space:nowrap}.brand-copy small{display:none}.brand-mark{width:40px;height:40px}.nav-toggle{padding:.45rem .55rem;font-size:.85rem}.main-nav{top:68px}.main-nav ul{grid-template-columns:1fr}
  .hero{padding:2.6rem 0}.grid-3,.grid-2,.glossary,.planner-grid{grid-template-columns:1fr}.section-heading{display:block}.section-heading p{margin-top:.5rem}.footer-grid{grid-template-columns:1fr}.key-grid{grid-template-columns:1fr}.tool-row{grid-template-columns:1fr auto}
}
@media print{
  .site-header,.site-footer,.sidebar,.button-row,.ad-label,.ad-space,.nav-toggle{display:none!important}.content-layout{display:block}.page-hero{background:#fff}.wrap{width:100%}a{color:#000}
}