:root{--navy:#172845;--navy2:#263c5b;--blue:#456fca;--orange:#ed783b;--paper:#fbf9f5;--cream:#f1eadf;--ink:#202e42;--muted:#586579;--line:#dfe4eb;--mint:#c5e5dc;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif}a{color:inherit;text-decoration:none}a:focus-visible,button:focus-visible{outline:3px solid var(--orange);outline-offset:3px}.wrap{max-width:1200px;padding:0 32px;margin:auto}.prototype{background:#eff2f6;color:#43546d;padding:7px 25px;text-align:center;font-size:12px;letter-spacing:.04em}.header{background:rgba(251,249,245,.98);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:8}.nav{display:flex;gap:28px;align-items:center;min-height:83px}.brand{margin-right:auto}.brand img{display:block;width:230px;height:auto}.links{display:flex;gap:26px;align-items:center;font-size:14px;font-weight:700}.links a:hover,.textlink:hover{color:var(--blue)}.pill,.button{display:inline-flex;align-items:center;justify-content:center;gap:10px;border-radius:999px;font-weight:800}.pill{background:var(--navy);color:#fff;padding:13px 21px;font-size:13px}.button{background:var(--orange);color:var(--navy);padding:16px 25px;box-shadow:0 9px 23px #ed783b30}.button:hover,.pill:hover{transform:translateY(-2px)}.menu{display:none}.mobile-nav[hidden]{display:none}.eyebrow{font-size:12px;letter-spacing:.14em;text-transform:uppercase;font-weight:850;color:var(--blue)}.serif{font-family:Georgia,"Times New Roman",serif;font-weight:400;font-style:italic}.crumbs{padding:24px 0;color:#617186;font-size:13px}.crumbs a{text-decoration:underline;text-underline-offset:3px}.crumbs span{padding:0 8px}.footer{background:var(--navy);color:#d6e1ee;padding:38px 0}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1.35fr 1fr;gap:31px;font-size:13px}.footer strong{display:block;color:#fff;font-size:14px;margin-bottom:12px}.footer-about p{color:#b9cbe0;max-width:240px;margin:0 0 14px}.footer-column a{display:block;color:#d6e1ee;margin:8px 0}.footer a:hover{color:#ffad79}.footer-bottom{border-top:1px solid #4a5e7a;margin-top:30px;padding-top:19px;color:#aebed2;font-size:12px}.note{font-size:12px;color:#6d7b8e}.source-link{color:#315ba9;text-decoration:underline;text-underline-offset:3px}
.service-hero{padding:38px 0 92px;background:radial-gradient(circle at 80% 15%,#e7eef9 0,transparent 31%),var(--paper)}.service-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:70px;align-items:center}.service-hero h1,.article-hero h1{font-size:clamp(45px,5vw,70px);line-height:1.08;letter-spacing:-.05em;color:var(--navy);margin:16px 0 22px}.service-hero h1 .serif,.article-hero h1 .serif{color:var(--orange)}.service-hero .lede,.article-hero .lede{font-size:19px;color:#4a5c74;line-height:1.55;max-width:620px}.hero-points{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0 31px}.hero-points span{background:#fff;border:1px solid var(--line);padding:8px 13px;border-radius:999px;font-size:12px;font-weight:730}.service-card{background:#fff;border:1px solid #dfe4eb;border-radius:26px;padding:31px;box-shadow:0 26px 65px #1b35501c}.service-card .top{display:flex;justify-content:space-between;align-items:center;margin-bottom:25px}.service-card .top strong{font-size:19px;color:var(--navy)}.service-card .top span{background:#dff1eb;border-radius:99px;padding:5px 10px;color:#246d55;font-size:11px;font-weight:800}.score-line{display:flex;align-items:center;justify-content:space-between;padding:17px 0;border-top:1px solid var(--line)}.score-line b{font-size:14px}.score-line small{display:block;color:var(--muted);font-size:12px}.score-line em{font-style:normal;font-size:13px;font-weight:850;color:var(--blue)}.service-card .button{width:100%;margin-top:22px}.service-card .note{text-align:center;margin:11px 0 0}.trust-band{background:#fff;border-block:1px solid var(--line)}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr)}.trust-grid>div{padding:24px;border-right:1px solid var(--line)}.trust-grid>div:last-child{border:0}.trust-grid b{display:block;color:var(--navy);font:italic 31px Georgia,serif}.trust-grid span{font-size:12px;color:var(--muted)}
.section{padding:90px 0}.section.white{background:#fff}.section.navy{background:var(--navy);color:#fff}.section.navy h2{color:#fff}.section.navy p{color:#cbd8e7}.section-head{max-width:720px;margin-bottom:34px}.section h2{font-size:clamp(36px,4vw,55px);line-height:1.14;letter-spacing:-.045em;color:var(--navy);margin:12px 0}.section-head p{color:var(--muted);font-size:17px}.three{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.tile{background:#fff;border:1px solid var(--line);border-radius:20px;padding:27px}.tile strong{font-size:21px;color:var(--navy)}.tile p{font-size:14px;color:var(--muted);margin-bottom:0}.tile .num{font:italic 38px Georgia,serif;color:var(--orange);display:block;margin-bottom:18px}.navy .tile{background:#223653;border-color:#526984}.navy .tile strong{color:#fff}.navy .tile p{color:#cbd8e7}.compare{display:grid;grid-template-columns:1fr 1fr;gap:18px}.compare-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:32px}.compare-card h3{margin:0 0 16px;color:var(--navy);font-size:24px}.compare-card ul{padding-left:20px;margin:0}.compare-card li{margin:12px 0;color:var(--muted)}.link-box{display:flex;justify-content:space-between;align-items:center;gap:20px;background:var(--cream);padding:28px 32px;border-radius:20px;margin-top:30px}.link-box p{margin:0;color:var(--muted)}.link-box b{color:var(--navy);font-size:20px}.link-box a{color:var(--blue);font-weight:800;white-space:nowrap}.faq{display:grid;grid-template-columns:1fr 1fr;gap:14px}.faq details{border:1px solid var(--line);border-radius:15px;background:#fff;padding:18px 21px}.faq summary{font-weight:800;color:var(--navy);cursor:pointer}.faq p{color:var(--muted);font-size:14px;margin-bottom:0}
.article-hero{padding:34px 0 58px;border-bottom:1px solid var(--line)}.article-hero .wrap{max-width:1050px}.article-hero h1{max-width:920px}.article-meta{display:flex;flex-wrap:wrap;align-items:center;gap:11px;color:#65758a;font-size:13px;margin-top:28px}.article-meta .avatar{display:grid;place-items:center;background:var(--mint);color:var(--navy);border-radius:50%;width:36px;height:36px;font-weight:800}.article-layout{display:grid;grid-template-columns:minmax(0,720px) 250px;justify-content:space-between;gap:70px;padding:65px 0 100px}.article-body{min-width:0;font-size:17px;line-height:1.77}.article-body p{margin:0 0 22px}.article-body h2{font-size:34px;line-height:1.2;letter-spacing:-.035em;color:var(--navy);margin:55px 0 20px}.article-body h3{font-size:23px;color:var(--navy);margin:34px 0 15px}.article-body ul{padding-left:25px}.article-body li{margin:10px 0}.article-body a{color:#315ba9;text-decoration:underline;text-underline-offset:3px}.answer{background:#eaf2ef;border-left:4px solid #71b59e;border-radius:0 14px 14px 0;padding:24px 27px;margin:0 0 34px}.answer b{color:var(--navy)}.answer p{margin:8px 0 0}.contents{position:sticky;top:110px;align-self:start;border-left:1px solid var(--line);padding-left:25px;font-size:13px}.contents b{display:block;color:var(--navy);font-size:15px;margin-bottom:15px}.contents a{display:block;margin:12px 0;color:var(--muted)}.contents a:hover{color:var(--blue)}.contents .side-cta{background:var(--navy);color:#fff;border-radius:15px;padding:19px;margin-top:25px}.contents .side-cta strong{display:block;font-size:16px}.contents .side-cta p{font-size:12px;line-height:1.4;color:#d8e2ee;margin:7px 0 12px}.contents .side-cta a{color:#ffb183;font-weight:800;margin:0}.related{background:#fff;border-top:1px solid var(--line);padding:65px 0}.related .wrap{max-width:1050px}.related h2{font-size:35px;color:var(--navy);margin:0 0 24px}.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.related-card{border:1px solid var(--line);border-radius:17px;padding:24px}.related-card small{color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:.08em}.related-card h3{font-size:21px;color:var(--navy);margin:10px 0}.related-card a{color:var(--blue);font-weight:800;font-size:14px}
@media(max-width:960px){.footer-grid{grid-template-columns:repeat(2,1fr)}.links,.nav .pill{display:none}.menu{display:block;border:1px solid var(--line);background:#fff;border-radius:10px;padding:8px 12px}.service-grid,.article-layout{grid-template-columns:1fr}.service-grid{gap:40px}.article-layout{gap:35px}.contents{position:static;border:1px solid var(--line);padding:20px;border-radius:15px}.service-card{max-width:560px}}
@media(max-width:680px){.footer-grid{grid-template-columns:1fr}.wrap{padding:0 22px}.brand img{width:190px}.service-hero h1,.article-hero h1{font-size:47px}.service-hero .lede,.article-hero .lede{font-size:17px}.service-hero{padding-bottom:65px}.trust-grid,.three,.compare,.faq,.related-grid{grid-template-columns:1fr}.trust-grid>div{border-right:0;border-bottom:1px solid var(--line)}.trust-grid>div:last-child{border:0}.section{padding:65px 0}.section h2{font-size:38px}.link-box{display:block}.link-box a{display:block;margin-top:15px}.article-layout{padding:45px 0 70px}.article-body{font-size:16px}.article-body h2{font-size:30px}.footer-grid{display:grid}}

.mobile-nav{display:flex;gap:18px;flex-wrap:wrap;padding:16px 32px;background:#fbf9f5;border-bottom:1px solid #dfe4eb;font-size:14px;font-weight:700}.mobile-nav[hidden]{display:none}@media(min-width:901px){.mobile-nav{display:none}}@media(max-width:640px){.mobile-nav{padding:16px 22px;flex-direction:column;gap:12px}}