:root{--navy:#17324d;--navy2:#234967;--ink:#182432;--muted:#647386;--gold:#d9a441;--gold2:#f2c96f;--cream:#f7f4ee;--sky:#eef5f8;--line:#dfe6eb;--white:#fff;--green:#2f766c;--shadow:0 16px 45px rgba(21,50,77,.10);--radius:22px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:"DM Sans",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#fff;line-height:1.62}img{max-width:100%;display:block}a{text-decoration:none;color:inherit}.container{width:min(var(--max),calc(100% - 40px));margin:0 auto}.topbar{background:var(--navy);color:#eaf0f5;font-size:13px;padding:8px 0;text-align:center}.topbar b{color:#fff}header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid rgba(223,230,235,.9)}.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:11px;font-weight:800;color:var(--navy);font-size:20px;white-space:nowrap}.brand-mark{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-family:"Playfair 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var(--line);color:var(--navy)}.hero-trust{display:flex;align-items:center;gap:18px;flex-wrap:wrap;color:#607386;font-size:13px}.trust-item{display:flex;align-items:center;gap:7px}.trust-icon{width:24px;height:24px;border-radius:50%;display:grid;place-items:center;background:#dfeeea;color:var(--green);font-weight:900;font-size:12px}.hero-image{border-radius:28px;overflow:hidden;box-shadow:var(--shadow);aspect-ratio:1.13/1}.hero-image img{width:100%;height:100%;object-fit:cover}.category-strip{background:#fff;border-bottom:1px solid var(--line)}.categories{display:grid;grid-template-columns:repeat(6,1fr)}.cat{padding:22px 10px;text-align:center;border-right:1px solid var(--line);font-size:13px;font-weight:800;color:#405366}.cat:first-child{border-left:1px solid var(--line)}.cat b{display:block;font-size:22px;margin-bottom:5px}.cat:hover{background:#fbfcfd;color:var(--navy)}section{padding:74px 0}.section-head{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:30px}.kicker{font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.12em;color:var(--gold);margin-bottom:8px}.section-head p{max-width:650px;color:var(--muted);margin:0}.text-link{font-size:14px;font-weight:900;color:var(--navy);white-space:nowrap}.feature-grid{display:grid;grid-template-columns:1.35fr .65fr .65fr;gap:20px}.article-card{position:relative;overflow:hidden;border-radius:var(--radius);min-height:350px;background:#ddd;box-shadow:var(--shadow)}.article-card.big{min-height:510px}.article-card img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .45s}.article-card:hover img{transform:scale(1.035)}.article-card:after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(6,23,36,.86) 0%,rgba(6,23,36,.14) 62%,rgba(6,23,36,.02) 100%)}.article-content{position:absolute;left:0;right:0;bottom:0;padding:26px;color:#fff;z-index:2}.article-content .tag{background:rgba(255,255,255,.95);margin-bottom:11px}.article-card h3{font-family:"Playfair Display",serif;font-size:27px;line-height:1.14;margin:0 0 8px}.article-card.big h3{font-size:38px;max-width:610px}.article-card p{font-size:13px;color:#e5edf2;margin:0}.guides,.soft{background:var(--cream)}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.guide-card{background:#fff;border:1px solid #ece8df;border-radius:20px;overflow:hidden;transition:.25s;box-shadow:0 6px 20px rgba(24,36,50,.04)}.guide-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.guide-card .thumb{height:215px;overflow:hidden;background:#e9ecee}.guide-card .thumb img{width:100%;height:100%;object-fit:cover}.guide-body{padding:22px}.meta{font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:var(--gold);font-weight:900;margin-bottom:9px}.guide-body h3{color:var(--navy);font-size:20px;line-height:1.3;margin-bottom:10px}.guide-body p{font-size:14px;color:var(--muted);margin-bottom:16px}.guide-body a{font-size:13px;color:var(--navy);font-weight:900}.topic-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.topic-card{padding:26px;border:1px solid var(--line);border-radius:18px;background:#fff}.topic-card .icon{font-size:28px}.topic-card h3{color:var(--navy);font-size:19px;margin:12px 0 7px}.topic-card p{color:var(--muted);font-size:14px;margin:0}.page-hero{background:linear-gradient(120deg,var(--cream),var(--sky));padding:56px 0}.page-hero .wrap{max-width:850px}.page-hero p{font-size:18px;color:var(--muted);max-width:760px}.breadcrumb{font-size:12px;color:#718092;font-weight:700;margin-bottom:10px}.breadcrumb a{color:var(--navy)}.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:54px;align-items:start}.article-main{max-width:800px}.article-main .lead{font-size:20px;color:#4e6175}.article-main 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a:first-of-type{border-top:0}.legal{max-width:900px}.legal h2{font-family:"DM Sans",sans-serif;font-size:24px;margin-top:35px}.legal h3{font-size:18px;color:var(--navy);margin-top:24px}.legal p,.legal li{color:#425468}.form-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field{display:grid;gap:6px}.field.full{grid-column:1/-1}.field label{font-size:12px;font-weight:800;color:var(--navy)}.field input,.field textarea,.field select{width:100%;border:1px solid #ccd7df;border-radius:12px;padding:13px 14px;font:inherit;outline:none;background:#fff}.field textarea{min-height:150px;resize:vertical}.field input:focus,.field textarea:focus,.field select:focus{border-color:#8aa1b4;box-shadow:0 0 0 3px rgba(35,73,103,.08)}button.btn{border:0;cursor:pointer}.notice{font-size:12px;color:var(--muted);margin-top:12px}.newsletter{padding-top:10px}.newsletter-box{background:var(--navy);color:#fff;border-radius:28px;padding:48px;display:grid;grid-template-columns:1fr .78fr;gap:40px;align-items:center;position:relative;overflow:hidden}.newsletter-box:before{content:"";position:absolute;width:330px;height:330px;border-radius:50%;background:rgba(217,164,65,.15);right:-80px;top:-150px}.newsletter-box h2{color:#fff;font-size:39px;margin-bottom:10px}.newsletter-box p{color:#cfdae4;margin:0}.signup{display:flex;background:#fff;border-radius:999px;padding:5px;position:relative;z-index:2}.signup input{flex:1;border:0;outline:0;padding:0 16px;border-radius:999px;min-width:0;font:inherit}.signup button{border:0;background:var(--gold);color:#263646;font-weight:900;border-radius:999px;padding:14px 20px;cursor:pointer}footer{background:#10263a;color:#b8c6d1;padding:54px 0 26px;margin-top:30px}.footer-grid{display:grid;grid-template-columns:1.6fr repeat(3,1fr);gap:45px;padding-bottom:40px}.footer-brand{color:#fff;margin-bottom:14px}.footer-about{font-size:13px;max-width:370px;line-height:1.7}.footer-grid h4{color:#fff;font-size:13px;margin:0 0 14px}.footer-grid a{display:block;font-size:13px;margin:9px 0;color:#b8c6d1}.footer-grid a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:11px;color:#8ea1b0}.disclosure{background:#f3f6f8;border:1px solid var(--line);border-radius:14px;padding:14px 16px;font-size:12px;color:#5d6e7e;margin-bottom:24px}.pill-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}.pill{padding:8px 11px;border:1px solid var(--line);border-radius:999px;font-size:12px;font-weight:800;color:var(--navy);background:#fff}.empty-note{padding:20px;background:var(--sky);border-radius:14px;color:#53687a;font-size:13px}
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@media(max-width:760px){.container{width:min(100% - 28px,var(--max))}.nav{min-height:68px}.navlinks{display:none;position:absolute;left:14px;right:14px;top:69px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:8px}.navlinks.open{display:flex}.navlinks a{padding:10px 8px}.menu{display:block}.brand{font-size:17px}.hero{padding:40px 0 42px}.hero-grid{gap:32px}h1{font-size:44px}.hero-copy>p{font-size:16px}.hero-image{aspect-ratio:1/1.04}.categories{grid-template-columns:repeat(2,1fr)}.cat:nth-child(odd){border-left:1px solid var(--line)}section{padding:56px 0}.section-head{display:block}.section-head .text-link{display:inline-block;margin-top:12px}.feature-grid,.guide-grid,.topic-grid,.form-grid{grid-template-columns:1fr}.article-card,.article-card.big{min-height:350px;grid-column:auto}.article-card.big h3{font-size:30px}.field.full{grid-column:auto}.newsletter-box{padding:34px 24px}.newsletter-box h2{font-size:34px}.signup{border-radius:18px;display:grid;padding:8px;gap:8px}.signup input{padding:13px 12px}.footer-grid{grid-template-columns:1fr 1fr;gap:28px}.footer-grid>div:first-child,.footer-grid>div:last-child{grid-column:1/-1}}
@media(max-width:440px){h1{font-size:39px}.hero-actions .btn{width:100%}.newsletter-box{border-radius:22px}}