:root{--ink:#14232c;--muted:#5b6970;--paper:#f7f4ee;--card:#fffdfa;--accent:#a74430;--accent2:#d7a642;--line:#dcd7ce;--deep:#162b35;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.62;font-size:18px}a{color:#7f321f;text-underline-offset:3px}img{max-width:100%;height:auto}.wrap{width:min(var(--max),calc(100% - 36px));margin:auto}.site-head{position:relative;z-index:20;background:rgba(247,244,238,.97);border-bottom:1px solid var(--line)}.head-inner{height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;letter-spacing:-.03em;font-size:24px}.brand-mark{width:17px;height:17px;border-radius:50%;background:var(--accent);box-shadow:9px 0 0 var(--accent2)}nav{display:flex;gap:24px;align-items:center}nav a{text-decoration:none;color:var(--ink);font-size:15px;font-weight:700}.menu-btn{display:none;background:none;border:0;font-size:27px}.hero{position:relative;min-height:630px;display:grid;align-items:end;overflow:hidden;background:#1d3038}.hero picture,.hero picture img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(9,25,33,.88) 0%,rgba(9,25,33,.72) 43%,rgba(9,25,33,.15) 72%),linear-gradient(0deg,rgba(9,25,33,.66),transparent 45%)}.hero-copy{position:relative;z-index:2;padding:86px 0 72px;color:white;max-width:760px}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:13px;font-weight:800;color:#f2cf7e}.hero h1{font-family:Arial,Helvetica,sans-serif;font-size:clamp(46px,6vw,82px);line-height:1.02;letter-spacing:-.045em;margin:.2em 0}.hero p{font-size:21px;max-width:700px;color:#eef2f0}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-block;padding:14px 20px;border-radius:3px;text-decoration:none;font-weight:800;border:2px solid transparent}.btn-primary{background:#f4c45f;color:#1a252a}.btn-ghost{border-color:#d5dfdf;color:#fff}.problem-strip{background:var(--deep);color:white;padding:0}.problem-grid{display:grid;grid-template-columns:repeat(4,1fr)}.problem-grid a{color:white;text-decoration:none;padding:26px 22px;border-right:1px solid rgba(255,255,255,.14)}.problem-grid a:last-child{border-right:0}.problem-grid strong{display:block;font-family:Arial,Helvetica,sans-serif;font-size:21px;margin-bottom:4px}.problem-grid span{color:#c8d0d2;font-size:14px}.section{padding:76px 0}.section h2,.article h1{font-family:Arial,Helvetica,sans-serif;letter-spacing:-.035em}.section h2{font-size:clamp(33px,4vw,50px);line-height:1.08;margin:0 0 18px}.lede{max-width:780px;color:var(--muted);font-size:20px}.editorial-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:46px;margin-top:34px;align-items:start}.feature-card{background:var(--card);padding:34px;border:1px solid var(--line);box-shadow:10px 10px 0 #ebe3d5}.feature-card h3{font-family:Arial,Helvetica,sans-serif;font-size:31px;line-height:1.1;margin:0 0 12px}.stack{display:grid;gap:14px}.mini{border-top:1px solid var(--line);padding:18px 0}.mini:first-child{border-top:0}.mini a{font-weight:800;text-decoration:none;font-size:19px}.number{font-family:Arial,Helvetica,sans-serif;color:var(--accent);font-size:40px;line-height:1}.routes{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}.route{background:#fff;padding:28px;border-top:6px solid var(--accent);min-height:230px}.route:nth-child(2n){border-top-color:var(--accent2)}.route h3{font-family:Arial,Helvetica,sans-serif;font-size:27px;line-height:1.1;margin:0 0 10px}.route ul{padding-left:18px;margin-bottom:0}.quote-band{background:#d7a642;padding:54px 0}.quote-band .wrap{display:grid;grid-template-columns:1fr auto;gap:28px;align-items:center}.quote-band h2{font-family:Arial,Helvetica,sans-serif;font-size:40px;line-height:1.05;margin:0}.quote-band p{margin:.5em 0 0;max-width:720px}.quote-band .btn{background:#162b35;color:#fff}.trust{background:#efe9df;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:28px 0}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.trust strong{display:block}.trust span{font-size:14px;color:var(--muted)}footer{background:#10242d;color:#d9e0e2;padding:48px 0 34px}footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:34px}.small{font-size:14px;color:darkslategray}.article-head{background:#e8e1d4;padding:70px 0 48px;border-bottom:1px solid var(--line)}.crumbs{font-size:14px;color:var(--muted)}.article h1{font-size:clamp(42px,5vw,68px);line-height:1.03;margin:.25em 0}.article-shell{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:70px;padding:58px 0 78px}.article h2{font-family:Arial,Helvetica,sans-serif;font-size:31px;line-height:1.15;margin-top:1.7em}.article .answer{font-size:22px;border-left:6px solid var(--accent2);padding:4px 0 4px 22px}.sidebox{position:sticky;top:24px;background:#fff;padding:24px;border:1px solid var(--line)}.sidebox h3{font-family:Arial,Helvetica,sans-serif;font-size:24px;margin:0 0 10px}.note{background:#f0ebe2;padding:22px;border-left:4px solid var(--accent)}.links-list{columns:2;gap:34px}.links-list li{break-inside:avoid;margin-bottom:10px}@media(max-width:850px){nav{display:none}.menu-btn{display:block}.hero{min-height:600px}.problem-grid{grid-template-columns:1fr 1fr}.problem-grid a:nth-child(2){border-right:0}.editorial-grid,.article-shell,.quote-band .wrap,.footer-grid{grid-template-columns:1fr}.routes,.trust-grid{grid-template-columns:1fr}.sidebox{position:static}.links-list{columns:1}}@media(max-width:520px){body{font-size:17px}.wrap{width:min(100% - 24px,var(--max))}.hero-copy{padding:64px 0 46px}.problem-grid{grid-template-columns:1fr}.problem-grid a{border-right:0;border-bottom:1px solid rgba(255,255,255,.14)}}

.article-image{margin-top:34px;margin-bottom:0}.article-image img,.wide-image img{width:100%;display:block;aspect-ratio:16/9;object-fit:cover;border-radius:2px}.article-image img{box-shadow:12px 12px 0 #e8e1d4}.wide-image{margin-top:34px;margin-bottom:34px}.wide-image img{box-shadow:10px 10px 0 #ebe3d5}@media(max-width:700px){.article-image{width:100%;margin-top:0}.article-image img,.wide-image img{border-radius:0;box-shadow:none}}
.page-image{margin:0;background:#d8d2c8;overflow:hidden}.page-image picture,.page-image img{display:block;width:100%}.page-image img{height:clamp(260px,42vw,560px);object-fit:cover;object-position:center}.article-head+.page-image{border-bottom:1px solid var(--line)}@media(max-width:520px){.page-image img{height:240px}}

/* Compliance footer */
.credential-row{display:flex;flex-wrap:wrap;gap:18px;margin:30px 0 22px;padding-top:26px;border-top:1px solid rgba(255,255,255,.16)}
.credential{display:flex;align-items:center;gap:14px;min-height:92px;padding:12px 16px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:4px}
.credential img{display:block;width:82px;height:auto;max-height:76px;object-fit:contain;background:#fff;padding:5px;border-radius:3px}
.credential strong{display:block;color:#fff;font-size:15px;margin-bottom:3px}
.credential span{display:block;color:#cbd4d7;font-size:13px;line-height:1.45}
.ico-badge{width:82px;height:64px;display:grid;place-items:center;background:#fff;color:#14232c;border-radius:3px;padding:7px;line-height:1}
.ico-badge strong{color:#14232c;font-size:27px;letter-spacing:.02em;margin:0}
.ico-badge span{color:#14232c;font-size:9px;font-weight:800;letter-spacing:.12em}
.legal-footer{padding-top:18px;border-top:1px solid rgba(255,255,255,.13);line-height:1.65}
.article article ul{padding-left:1.25em}
.article article li{margin-bottom:.45em}
@media(max-width:650px){.credential-row{display:grid}.credential{width:100%}}

.guide-groups{display:grid;gap:34px}
.guide-group{border-top:1px solid var(--line);padding-top:20px}
.guide-group:first-child{border-top:0;padding-top:0}
.guide-group h2{margin:.1em 0 .65em;font-size:28px}
.guide-group ul{margin:0;padding-left:20px}
.guide-group li{margin:0 0 9px}
.legal-footer {color: #e2e6e8;}
footer .small {color: #e2e6e8;}