:root{--navy:#102a43;--ink:#183b56;--teal:#087f7a;--teal2:#d9f3ef;--cream:#fbf8f1;--white:#fff;--orange:#e86932;--line:#d8e2e8;--muted:#526b7a;--shadow:0 18px 50px #102a431f;color:var(--ink);background:var(--cream);font-family:Avenir Next,Segoe UI,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;line-height:1.65}a{color:var(--teal);text-underline-offset:3px}img,svg{max-width:100%;height:auto}h1,h2,h3{color:var(--navy);margin:0 0 .65em;font-family:Arial Narrow,Avenir Next,Segoe UI,sans-serif;line-height:1.12}h1{letter-spacing:-.055em;font-size:clamp(2.55rem,6vw,5.25rem)}h2{letter-spacing:-.04em;font-size:clamp(2rem,4vw,3.35rem)}h3{font-size:1.25rem}.wrap{width:min(1160px,100% - 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span{background:var(--orange);border-radius:20px;width:64%;height:100%;display:block}.meter:after{content:"4.0";font-weight:700;position:absolute;top:15px;left:60%}.stat{color:#89ddd1;font:800 3.5rem Arial Narrow,Avenir Next,Segoe UI,sans-serif}.section{padding:5.5rem 0}.section.white{background:#fff}.section.dark{background:var(--navy);color:#dbe7ec}.section.dark h2,.section.dark h3{color:#fff}.section.dark .card{color:var(--ink)}.section.dark .card h3{color:var(--navy)}.intro{max-width:720px;margin-bottom:2.2rem}.grid3{grid-template-columns:repeat(3,1fr);gap:1.2rem;display:grid}.card{border:1px solid var(--line);background:#fff;border-radius:16px;padding:1.6rem;box-shadow:0 8px 24px #102a430d}.card .num{color:var(--teal2);font:800 2.2rem Arial Narrow,Avenir Next,Segoe UI,sans-serif}.process .card{border-top:4px solid var(--teal)}.split{grid-template-columns:1fr 1fr;align-items:center;gap:4rem;display:grid}.checklist{padding:0;list-style:none}.checklist li{border-bottom:1px solid 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1fr;gap:1rem;display:grid}.field{flex-direction:column;gap:.35rem;display:flex}.field.full{grid-column:1/-1}input,textarea,select{font:inherit;border:1px solid #9baeba;border-radius:8px;min-height:48px;padding:.8rem}textarea{min-height:120px}.disclosure{background:#fff3d7;border:1px solid #eacb7a;border-radius:8px;padding:1rem}.footer{color:#c8d7df;background:#091f33;padding:4rem 0 6rem}.footer a,.footer h3{color:#fff}.footer .micro{color:#9fb4c0}.footergrid{grid-template-columns:2fr 1fr 1fr;gap:3rem;display:grid}.mobilebar{display:none}:focus-visible{outline-offset:3px;outline:3px solid #f09a72}@media (width<=800px){.navlinks a:not(.btn){display:none}.hero{padding:3.5rem 0}.hero-grid,.split{grid-template-columns:1fr;gap:2.5rem}.grid3{grid-template-columns:1fr}.result-card{transform:none}.section{padding:4rem 0}.footergrid{grid-template-columns:1fr}.mobilebar{z-index:20;background:#fff;grid-template-columns:1fr 1fr;gap:.5rem;padding:.6rem;display:grid;position:fixed;bottom:0;left:0;right:0;box-shadow:0 -6px 20px #102a4322}.mobilebar span{border:1px solid var(--line);min-height:46px;color:var(--muted);border-radius:8px;justify-content:center;align-items:center;font-weight:700;display:flex}.mobilebar a{min-height:46px}.form{grid-template-columns:1fr}.field.full{grid-column:auto}.band{flex-direction:column;align-items:flex-start}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}