:root{
  --navy:#12304a;
  --navy-2:#0c2338;
  --green:#5d9f79;
  --green-dark:#347357;
  --green-soft:#edf7f1;
  --paper:#ffffff;
  --mist:#f5f8fb;
  --mist-2:#eef3f7;
  --line:#d9e4ec;
  --text:#223345;
  --muted:#647386;
  --shadow:0 18px 45px rgba(18,48,74,.10);
  --radius:22px;
  --radius-sm:14px;
}
*{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;background:var(--paper);color:var(--text);line-height:1.65}
a{color:var(--green-dark);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto;display:block}
.container{width:min(1120px, calc(100% - 40px));margin:0 auto}
.skip-link{position:absolute;left:-999px;top:12px;z-index:20;background:var(--navy);color:white;padding:10px 14px;border-radius:10px}.skip-link:focus{left:12px}
.site-header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav-shell{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:76px}
.brand{display:flex;align-items:center;gap:12px;color:var(--navy);text-decoration:none}.brand:hover{text-decoration:none}.brand-mark{display:grid;place-items:center;width:44px;height:44px;border-radius:15px;background:linear-gradient(135deg,var(--navy),#1f5672);color:#fff;font-weight:800;box-shadow:0 10px 20px rgba(18,48,74,.15)}.brand-text{display:flex;flex-direction:column;line-height:1.15}.brand-text small{font-size:.76rem;color:var(--muted);margin-top:3px}
.site-nav{display:flex;align-items:center;gap:4px;flex-wrap:wrap;justify-content:flex-end}.site-nav a{color:var(--navy);font-size:.94rem;padding:10px 12px;border-radius:999px;text-decoration:none}.site-nav a:hover,.site-nav a.active{background:var(--green-soft);color:var(--green-dark)}
.menu-toggle{display:none;border:1px solid var(--line);background:white;border-radius:14px;padding:9px 10px;color:var(--navy);align-items:center;gap:7px}.menu-toggle span{display:block;width:18px;height:2px;background:var(--navy);margin:3px 0}.menu-toggle em{font-style:normal;font-size:.85rem}
.hero{padding:82px 0 60px;background:radial-gradient(circle at 10% 8%, var(--green-soft), transparent 32%), linear-gradient(180deg,#fff 0%,#f8fbfd 100%)}.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);gap:48px;align-items:center}.hero-copy h1,.page-hero h1{margin:0;color:var(--navy);line-height:1.05;letter-spacing:-.04em}.hero-copy h1{font-size:clamp(2.5rem,6vw,5.2rem)}.lead{font-size:1.18rem;color:#45566b;max-width:780px}.eyebrow{letter-spacing:.12em;text-transform:uppercase;color:var(--green-dark);font-weight:800;font-size:.78rem;margin:0 0 12px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 18px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:12px 18px;border-radius:999px;font-weight:800;text-decoration:none;border:1px solid transparent;cursor:pointer}.button:hover{text-decoration:none}.button-primary{background:var(--navy);color:#fff;box-shadow:0 12px 24px rgba(18,48,74,.18)}.button-primary:hover{background:var(--navy-2)}.button-secondary{background:#fff;border-color:var(--line);color:var(--navy)}.button-secondary:hover{border-color:var(--green);color:var(--green-dark)}.inline-disclaimer,.mini-disclaimer{font-size:.94rem;color:var(--muted)}
.card-visual{background:white;border:1px solid var(--line);border-radius:32px;padding:20px;box-shadow:var(--shadow);position:relative}.card-visual:after{content:"";position:absolute;inset:auto 24px 20px auto;width:86px;height:86px;border-radius:26px;background:linear-gradient(135deg,var(--green-soft),#fff);border:1px solid var(--line);z-index:-1}
.section{padding:72px 0}.soft-section{background:var(--mist);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.section-heading{margin-bottom:28px}.section-heading h2,.split-panel h2,.learning-strip h2,.prose-card h2,.article-body h2,.side-card h2,.contact-card h2,.contact-form h2{color:var(--navy);line-height:1.18;letter-spacing:-.02em}.section-heading h2{font-size:clamp(1.9rem,4vw,3.1rem);margin:0}.narrow{max-width:760px}.card-grid{display:grid;gap:18px}.card-grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}.info-card,.note-card,.side-card,.prose-card,.contact-card,.contact-form,.glossary-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 12px 30px rgba(18,48,74,.06)}.info-card{padding:24px}.step-number{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:14px;background:var(--green-soft);color:var(--green-dark);font-weight:900}.info-card h3{color:var(--navy);margin:18px 0 8px}.info-card p{color:var(--muted)}.info-card a{font-weight:800}
.split-panel{display:grid;grid-template-columns:1.15fr .85fr;gap:28px;align-items:center}.note-card{padding:30px}.calm-note{border-left:6px solid var(--green)}.check-list{padding:0;margin:18px 0;list-style:none}.check-list li{position:relative;padding-left:28px;margin:10px 0}.check-list li:before{content:"";position:absolute;left:0;top:.45em;width:14px;height:14px;border-radius:50%;background:var(--green-soft);border:3px solid var(--green)}.muted-checks li:before{border-color:#9db7aa}.text-link{font-weight:800}.learning-strip{display:grid;grid-template-columns:.75fr 1fr;gap:28px;align-items:center;background:linear-gradient(135deg,var(--navy),#174867);border-radius:32px;padding:34px;color:#fff;box-shadow:var(--shadow)}.learning-strip h2{color:white;margin:0 0 8px}.learning-strip p{color:#dce8ef}.mini-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.mini-grid div{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.20);border-radius:18px;padding:18px}.mini-grid strong,.mini-grid span{display:block}.mini-grid span{color:#dce8ef;font-size:.94rem;margin-top:4px}
.page-hero{padding:72px 0;background:linear-gradient(180deg,#fff 0%,#f7fafc 100%);border-bottom:1px solid var(--line)}.compact-hero{padding:58px 0}.page-hero h1{font-size:clamp(2.1rem,5vw,4.4rem)}.two-col-hero{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(280px,.75fr);gap:40px;align-items:center}.two-col-hero img{background:white;border:1px solid var(--line);border-radius:28px;padding:18px;box-shadow:var(--shadow)}.risk-callout{background:#fff;border:1px solid var(--line);border-left:6px solid var(--green);border-radius:18px;padding:18px;color:var(--navy);font-weight:700}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:28px;align-items:start}.wide-prose{padding:34px}.prose-card p,.article-body p{color:#46586c}.disclaimer-box{background:var(--green-soft);border:1px solid #cae6d6;border-left:5px solid var(--green);border-radius:18px;padding:18px;margin:24px 0;color:#244837}.risk-box{background:#fff8ea;border-color:#ead7ae;border-left-color:#c99738;color:#4f3716}.principles-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:18px 0}.principles-grid div,.term-cards div,.planning-steps div{background:var(--mist);border:1px solid var(--line);border-radius:18px;padding:18px}.principles-grid h3,.term-cards h3{margin:0 0 6px;color:var(--navy)}.side-card{padding:24px}.side-card img{margin-bottom:16px;border-radius:20px}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:30px;align-items:start}.article-body{max-width:760px}.article-body h2{margin-top:36px}.article-aside{height:100%}.sticky-card{position:sticky;top:100px}.example-box{background:var(--mist);border:1px dashed #b8cad7;border-radius:20px;padding:20px;margin:22px 0}.comparison-table{display:grid;border:1px solid var(--line);border-radius:20px;overflow:hidden;margin:24px 0}.comparison-table>div{display:grid;grid-template-columns:1fr 1fr}.comparison-table strong,.comparison-table span{padding:14px 16px;border-bottom:1px solid var(--line)}.comparison-table>div:last-child span{border-bottom:0}.comparison-table strong{background:var(--navy);color:#fff}.comparison-table span:nth-child(odd),.comparison-table strong:nth-child(odd){border-right:1px solid var(--line)}.term-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.planning-steps{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:22px 0}.planning-steps div{display:flex;gap:14px;align-items:flex-start}.planning-steps span{flex:0 0 34px;width:34px;height:34px;border-radius:12px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:900}.planning-steps p{margin:0}
.glossary-tools{display:flex;align-items:center;gap:12px;background:var(--mist);border:1px solid var(--line);border-radius:20px;padding:16px;margin-bottom:22px}.glossary-tools label{font-weight:800;color:var(--navy)}.glossary-tools input{flex:1;min-height:46px;border:1px solid var(--line);border-radius:14px;padding:0 14px;font:inherit}.glossary-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.glossary-card{padding:22px}.glossary-card h2{font-size:1.2rem;margin:0 0 8px}.glossary-card p{margin:0;color:var(--muted)}.glossary-card.is-hidden{display:none}.faq-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:28px}.faq-list{display:grid;gap:12px}.faq-item{border:1px solid var(--line);border-radius:18px;background:white;padding:4px 18px}.faq-item summary{cursor:pointer;font-weight:800;color:var(--navy);padding:16px 0}.faq-item p{color:var(--muted);margin-top:0}.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:28px;align-items:start}.contact-card,.contact-form{padding:28px}.contact-form{display:grid;gap:12px}.contact-form label{font-weight:800;color:var(--navy)}.contact-form input,.contact-form textarea{width:100%;border:1px solid var(--line);border-radius:14px;padding:13px 14px;font:inherit;background:#fff}.contact-form input:focus,.contact-form textarea:focus,.glossary-tools input:focus{outline:3px solid var(--green-soft);border-color:var(--green)}.checkbox-row{display:flex;align-items:flex-start;gap:10px;font-weight:500!important;color:var(--text)!important}.checkbox-row input{width:auto;margin-top:5px}.form-note{color:var(--muted);margin:4px 0 0}.policy-layout{max-width:920px}.site-footer{background:var(--navy-2);color:#dce7ef;padding:48px 0}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr 1fr;gap:32px}.footer-brand{display:inline-block;color:#fff;font-size:1.15rem;font-weight:900;text-decoration:none;margin-bottom:8px}.footer-note,.site-footer p{color:#c4d2dd}.site-footer h2{font-size:1rem;color:#fff}.footer-links{list-style:none;margin:0;padding:0;display:grid;gap:8px}.site-footer a{color:#fff}.site-footer .mini-disclaimer{color:#aec1cf;font-size:.9rem}.footer-note{font-size:.92rem}.hero-rassetrogl{background-image:radial-gradient(circle at 12% 18%, rgba(93,159,121,.15), transparent 35%), linear-gradient(180deg,#fff 0%,#f8fbfd 100%)}
@media (max-width: 980px){.site-nav{position:absolute;top:76px;left:20px;right:20px;background:white;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:12px;display:none;flex-direction:column;align-items:stretch}.site-nav.is-open{display:flex}.site-nav a{border-radius:12px}.menu-toggle{display:flex}.hero-grid,.two-col-hero,.split-panel,.learning-strip,.content-grid,.article-layout,.faq-layout,.contact-grid,.footer-grid{grid-template-columns:1fr}.card-grid.four,.glossary-grid{grid-template-columns:repeat(2,1fr)}.sticky-card{position:static}.article-body{max-width:none}}
@media (max-width: 680px){.container{width:min(100% - 28px,1120px)}.hero,.section,.page-hero{padding:48px 0}.hero-copy h1{font-size:2.4rem}.page-hero h1{font-size:2.1rem}.brand-text small{display:none}.hero-actions{flex-direction:column}.button{width:100%}.card-grid.four,.glossary-grid,.principles-grid,.term-cards,.planning-steps,.mini-grid{grid-template-columns:1fr}.comparison-table>div{grid-template-columns:1fr}.comparison-table span:nth-child(odd),.comparison-table strong:nth-child(odd){border-right:0}.learning-strip{padding:24px;border-radius:24px}.wide-prose,.contact-card,.contact-form,.side-card{padding:22px}.footer-grid{gap:20px}}