:root{--navy:#0a1c35;--navy2:#102c58;--blue:#1d458c;--blue2:#4f7ccf;--pale:#eef4ff;--ink:#10213e;--muted:#5c6b82;--line:#dbe4f1;--white:#fff;--shell:1180px;--radius:22px;--shadow:0 18px 60px rgba(23,48,87,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased}img,svg{display:block;max-width:100%}a{color:inherit}.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);border-bottom:1px solid rgba(219,228,241,.8);backdrop-filter:blur(16px)}.header-shell{width:min(var(--shell),calc(100% - 40px));height:76px;margin:auto;display:flex;align-items:center;gap:26px}.site-brand{width:160px;flex:0 0 auto}.site-brand img{width:100%;height:auto}.main-nav{margin-left:auto;display:flex;align-items:center;gap:20px}.main-nav a{font-size:13px;font-weight:750;text-decoration:none;color:#334765;white-space:nowrap}.main-nav a:hover,.main-nav a.active{color:var(--blue)}.header-button{margin-left:4px;padding:11px 16px;border-radius:10px;background:var(--blue);color:#fff;text-decoration:none;font-size:12px;font-weight:850;white-space:nowrap}.nav-toggle{display:none;margin-left:auto;width:42px;height:42px;border:1px solid var(--line);background:#fff;border-radius:10px;padding:9px}.nav-toggle span:not(.sr-only){display:block;height:2px;background:var(--ink);margin:4px 0}.page-hero{position:relative;overflow:hidden;padding:68px 0 0;background:linear-gradient(135deg,#fff 0%,#f6f9ff 48%,#e9f1ff 100%);border-bottom:1px solid var(--line)}.page-hero:after{content:"";position:absolute;width:540px;height:540px;border-radius:50%;right:-180px;top:-220px;background:radial-gradient(circle,rgba(79,124,207,.18),rgba(79,124,207,0) 68%)}.page-hero-shell{position:relative;z-index:2;width:min(var(--shell),calc(100% - 40px));margin:auto;display:grid;grid-template-columns:minmax(0,1.28fr) minmax(300px,.72fr);gap:60px;align-items:center}.hero-copy{padding:10px 0 52px}.breadcrumbs{display:flex;gap:8px;align-items:center;flex-wrap:wrap;margin-bottom:24px;color:#71809a;font-size:12px}.breadcrumbs a{text-decoration:none}.breadcrumbs a:hover{color:var(--blue)}.breadcrumbs .sep{opacity:.5}.eyebrow{display:block;color:var(--blue);font-size:11px;line-height:1.2;font-weight:900;letter-spacing:.16em;text-transform:uppercase;margin-bottom:14px}.eyebrow.light{color:#bcd4ff}.hero-copy h1{max-width:850px;margin:0;font-size:clamp(44px,5.5vw,76px);line-height:.98;letter-spacing:-.052em;color:#0d2d64;text-wrap:balance}.hero-answer{max-width:780px;margin:25px 0 0;font-size:clamp(17px,1.55vw,21px);line-height:1.65;color:#3f5270}.hero-actions{display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin-top:30px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;border:1px solid var(--blue);border-radius:11px;background:var(--blue);color:#fff;text-decoration:none;font-size:13px;font-weight:850;transition:.2s transform,.2s box-shadow}.button:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(29,69,140,.22)}.text-link{font-size:13px;font-weight:850;text-decoration:none;color:var(--blue)}.text-link span{margin-left:6px}.chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:24px}.chip{display:inline-flex;align-items:center;min-height:31px;padding:5px 10px;border:1px solid #cfdbed;border-radius:999px;background:rgba(255,255,255,.7);font-size:11px;color:#50617a;text-decoration:none}.hero-visual{position:relative;height:410px;display:grid;place-items:center}.hero-visual:before{content:"";position:absolute;width:285px;height:285px;border-radius:50%;background:radial-gradient(circle at 35% 30%,#fff,#d7e6fb 45%,#9ebce7 72%,#6d97d1);box-shadow:inset -25px -30px 60px rgba(17,59,118,.18),0 30px 80px rgba(29,69,140,.18)}.hero-visual:after{content:"";position:absolute;width:230px;height:230px;border-radius:50%;background:repeating-linear-gradient(90deg,transparent 0 26px,rgba(255,255,255,.38) 27px 28px),repeating-linear-gradient(0deg,transparent 0 26px,rgba(255,255,255,.28) 27px 28px);mask:radial-gradient(circle,#000 62%,transparent 64%)}.visual-icon{position:relative;z-index:3;width:92px;height:92px;padding:22px;border-radius:25px;background:rgba(255,255,255,.82);box-shadow:0 20px 50px rgba(13,45,100,.17);color:var(--blue)}.visual-icon svg{width:100%;height:100%;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}.visual-code{position:absolute;z-index:4;right:22px;bottom:58px;padding:7px 10px;border-radius:999px;background:#fff;color:var(--blue);font-size:11px;font-weight:900;letter-spacing:.12em}.orbit{position:absolute;border:1px solid rgba(29,69,140,.18);border-radius:50%;transform:rotate(-18deg)}.orbit-one{width:390px;height:190px}.orbit-two{width:190px;height:390px}.quick-facts{position:relative;z-index:3;width:min(var(--shell),calc(100% - 40px));margin:auto;display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);border-bottom:0;border-radius:16px 16px 0 0;background:rgba(255,255,255,.92);box-shadow:0 -10px 40px rgba(29,69,140,.06)}.quick-facts>div{padding:17px 22px;border-right:1px solid var(--line)}.quick-facts>div:last-child{border-right:0}.quick-facts span{display:block;font-size:10px;color:#78869a;text-transform:uppercase;letter-spacing:.12em;font-weight:800}.quick-facts strong{display:block;margin-top:3px;font-size:14px;color:#173a76}.content-shell{width:min(var(--shell),calc(100% - 40px));margin:auto}.section{padding:88px 0;border-bottom:1px solid #e5ebf4}.section-heading{max-width:780px;margin-bottom:34px}.section-heading h2,.split-heading h2{margin:0;font-size:clamp(34px,4vw,52px);line-height:1.04;letter-spacing:-.045em;color:#11346c}.section-heading p,.split-heading p{margin:14px 0 0;color:var(--muted);font-size:17px}.answer-grid,.two-col{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(270px,.55fr);gap:48px;align-items:start}.prose{font-size:18px;color:#334963}.prose p{margin:0 0 18px}.p0-prose{max-width:900px;margin-top:30px}.side-card{padding:25px;border:1px solid var(--line);border-radius:18px;background:#f8fbff}.side-card strong{display:block;color:#143a79;margin-bottom:13px}.side-card ul{padding:0;margin:0;list-style:none}.side-card li{position:relative;padding:8px 0 8px 20px;border-bottom:1px solid #e5edf8;color:#51627b;font-size:14px}.side-card li:last-child{border:0}.side-card li:before{content:"";position:absolute;left:0;top:16px;width:7px;height:7px;border-radius:50%;background:var(--blue2)}.side-card .small{font-size:12px;color:#6a7990;margin:16px 0 0}.soft-section{position:relative}.soft-section:before{content:"";position:absolute;left:50%;top:0;bottom:0;width:100vw;transform:translateX(-50%);background:#f6f9fe;z-index:-1}.steps{counter-reset:step;margin:0;padding:0;list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.steps li{position:relative;padding:24px 20px;border:1px solid var(--line);border-radius:18px;background:#fff}.steps li>span{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--blue);color:#fff;font-weight:900;font-size:12px}.steps h3{margin:18px 0 8px;font-size:17px;color:#143a79}.steps p{margin:0;color:#607089;font-size:13px;line-height:1.55}.split-heading{display:grid;grid-template-columns:1fr .8fr;gap:50px;align-items:end;margin-bottom:32px}.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.check-card{padding:28px;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 12px 45px rgba(19,50,94,.05)}.check-card h3{margin:0 0 18px;color:#143a79}.checklist,.plain-list{margin:0;padding:0;list-style:none}.checklist li,.plain-list li{position:relative;padding:11px 0 11px 27px;border-bottom:1px solid #e8edf5;color:#4d607b}.checklist li:last-child,.plain-list li:last-child{border-bottom:0}.checklist li:before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:900}.plain-list li:before{content:"→";position:absolute;left:0;color:var(--blue2);font-weight:900}.risk-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.risk-grid>div{padding:22px;border-left:2px solid var(--blue2);background:#fff;border-radius:0 14px 14px 0}.risk-grid span{font-size:11px;color:var(--blue2);font-weight:900;letter-spacing:.14em}.risk-grid p{margin:10px 0 0;color:#455974;font-size:14px}.faq-list{display:grid;gap:10px}.faq-list details{border:1px solid var(--line);border-radius:14px;background:#fff;overflow:hidden}.faq-list summary{cursor:pointer;list-style:none;padding:19px 54px 19px 21px;font-weight:800;color:#15386f;position:relative}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"+";position:absolute;right:21px;top:15px;font-size:23px;font-weight:400}.faq-list details[open] summary:after{content:"–"}.faq-list details div{padding:0 21px 18px;color:#53657d}.faq-list details p{margin:0}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.related-card{min-height:150px;padding:22px;border:1px solid var(--line);border-radius:16px;text-decoration:none;background:#fff;transition:.2s transform,.2s box-shadow,.2s border-color}.related-card:hover{transform:translateY(-4px);border-color:#a9bfe1;box-shadow:var(--shadow)}.related-card span{display:block;font-size:10px;color:var(--blue);font-weight:900;letter-spacing:.13em;text-transform:uppercase}.related-card strong{display:block;margin:13px 0 8px;font-size:18px;line-height:1.2;color:#173a76}.related-card small{color:#718096}.source-section{display:grid;grid-template-columns:1.5fr .5fr;gap:70px}.source-section h2{margin:0;font-size:34px;color:#15386f}.source-section p{color:#64738a}.source-section .updated{font-size:12px}.source-section ul{margin:0;padding:0;list-style:none}.source-section li{margin-bottom:10px}.source-section a{color:var(--blue);font-weight:750}.cards{display:grid;gap:16px}.cards.three{grid-template-columns:repeat(3,1fr)}.card{padding:26px;border:1px solid var(--line);border-radius:19px;background:#fff}.card-icon{display:grid;place-items:center;width:48px;height:48px;border-radius:14px;background:var(--pale);color:var(--blue)}.card-icon svg{width:27px;height:27px;fill:none;stroke:currentColor;stroke-width:1.7}.card h3{margin:18px 0 8px;color:#15386f}.card p{margin:0;color:#5d6f87}.class-row{display:flex;gap:12px;flex-wrap:wrap}.class-pill{min-width:130px;display:flex;align-items:center;gap:12px;padding:15px 18px;border:1px solid var(--line);border-radius:14px;text-decoration:none;background:#fff}.class-pill b{display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--blue);color:#fff}.class-pill span{font-size:12px;color:#586a82}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:16px}.table-wrap table{width:100%;border-collapse:collapse;background:#fff}.table-wrap th,.table-wrap td{padding:16px 18px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.table-wrap th{background:#f4f8fe;color:#15386f;font-size:13px}.table-wrap td{color:#53657e}.conversion-band{width:min(var(--shell),calc(100% - 40px));margin:88px auto;padding:44px 46px;display:flex;align-items:center;justify-content:space-between;gap:40px;border-radius:24px;background:linear-gradient(135deg,#0c2852,#173f81);color:#fff;box-shadow:0 30px 80px rgba(12,40,82,.18)}.conversion-band h2{margin:0;font-size:clamp(30px,4vw,48px);line-height:1.04;letter-spacing:-.04em}.conversion-band p{max-width:690px;margin:13px 0 0;color:#d1def2}.conversion-actions{display:flex;gap:10px;flex:0 0 auto}.site-footer{background:#071a34;color:#fff;padding:66px 0 0}.footer-shell{width:min(var(--shell),calc(100% - 40px));margin:auto;display:grid;grid-template-columns:1.45fr .8fr .8fr 1.1fr;gap:46px}.footer-brand img{width:190px}.footer-brand p{max-width:340px;color:#aebdd2}.site-footer h2{margin:0 0 17px;font-size:13px;text-transform:uppercase;letter-spacing:.13em;color:#bcd4ff}.site-footer a,.site-footer address{display:block;margin:8px 0;color:#d8e2f0;text-decoration:none;font-size:13px;font-style:normal}.site-footer a:hover{color:#fff}.footer-cta{margin-top:16px!important;color:#8fc0ff!important;font-weight:800}.footer-bottom{margin-top:48px;padding:20px max(20px,calc((100% - var(--shell))/2));display:flex;justify-content:space-between;gap:30px;border-top:1px solid rgba(255,255,255,.1);color:#8fa2bc;font-size:11px}
/* hubs */.hub-hero{padding:76px 0 60px;background:linear-gradient(135deg,#fff,#eef4ff)}.hub-shell{width:min(var(--shell),calc(100% - 40px));margin:auto}.hub-hero h1{max-width:900px;margin:0;font-size:clamp(46px,6vw,78px);line-height:.98;letter-spacing:-.055em;color:#0f3269}.hub-hero p{max-width:760px;color:#53657d;font-size:19px}.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.hub-card{padding:25px;border:1px solid var(--line);border-radius:18px;text-decoration:none;background:#fff}.hub-card span{font-size:10px;color:var(--blue);font-weight:900;text-transform:uppercase;letter-spacing:.12em}.hub-card h2,.hub-card h3{margin:12px 0 8px;color:#15386f}.hub-card p{margin:0;color:#64748a}.hub-card:hover{box-shadow:var(--shadow);border-color:#a9bfe1}.filter-label{margin:0 0 20px;color:#708097;font-size:13px}.alpha-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}.alpha-grid a{padding:15px;border:1px solid var(--line);border-radius:12px;text-decoration:none;background:#fff;color:#173a76;font-weight:700}.contact-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:24px}.contact-card,.form-card{padding:30px;border:1px solid var(--line);border-radius:20px;background:#fff}.contact-card a,.contact-card address{display:block;margin:12px 0;color:#40546f;font-style:normal;text-decoration:none}.lead-form{display:grid;grid-template-columns:1fr 1fr;gap:14px}.lead-form label{display:grid;gap:7px;font-size:12px;font-weight:750;color:#3d506b}.lead-form input,.lead-form select,.lead-form textarea{width:100%;border:1px solid #ccd8e9;border-radius:10px;padding:13px 14px;font:inherit;color:#1a304f;background:#fff}.lead-form textarea{min-height:120px;resize:vertical}.lead-form .full{grid-column:1/-1}.lead-form button{cursor:pointer}.form-note{font-size:11px;color:#718096}.notice{padding:17px 19px;border-left:3px solid var(--blue2);background:#f3f7fd;color:#566981;font-size:13px}
@media(max-width:1050px){.main-nav{gap:12px}.main-nav a{font-size:12px}.header-button{display:none}.page-hero-shell{grid-template-columns:1fr .58fr}.steps,.risk-grid{grid-template-columns:repeat(2,1fr)}.footer-shell{grid-template-columns:1.2fr 1fr 1fr}.footer-shell>div:last-child{grid-column:1/-1}.hub-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:760px){.header-shell{height:66px;width:min(100% - 28px,var(--shell))}.site-brand{width:145px}.nav-toggle{display:block}.main-nav{position:fixed;left:14px;right:14px;top:72px;display:none;flex-direction:column;align-items:stretch;gap:0;padding:12px;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:var(--shadow)}.main-nav.open{display:flex}.main-nav a{padding:12px;border-bottom:1px solid #edf1f7}.main-nav a:last-child{border-bottom:0}.page-hero{padding-top:36px}.page-hero-shell{grid-template-columns:1fr}.hero-copy{padding-bottom:24px}.hero-copy h1{font-size:43px}.hero-answer{font-size:16px}.hero-visual{height:230px}.hero-visual:before{width:190px;height:190px}.hero-visual:after{width:155px;height:155px}.orbit-one{width:260px;height:120px}.orbit-two{width:120px;height:260px}.quick-facts{grid-template-columns:1fr;width:calc(100% - 28px)}.quick-facts>div{border-right:0;border-bottom:1px solid var(--line)}.quick-facts>div:last-child{border-bottom:0}.content-shell{width:calc(100% - 28px)}.section{padding:64px 0}.section-heading h2,.split-heading h2{font-size:35px}.answer-grid,.two-col,.split-heading,.check-grid,.source-section,.contact-layout{grid-template-columns:1fr;gap:22px}.steps,.risk-grid,.related-grid,.cards.three,.hub-grid,.alpha-grid{grid-template-columns:1fr}.conversion-band{width:calc(100% - 28px);margin:64px auto;padding:30px 24px;flex-direction:column;align-items:flex-start}.conversion-actions{width:100%;flex-direction:column}.conversion-actions .button{width:100%}.footer-shell{width:calc(100% - 28px);grid-template-columns:1fr;gap:28px}.footer-shell>div:last-child{grid-column:auto}.footer-bottom{padding:18px 14px;flex-direction:column}.hub-hero{padding:50px 0}.hub-hero h1{font-size:44px}.lead-form{grid-template-columns:1fr}.lead-form .full{grid-column:auto}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button,.related-card{transition:none}}

/* V9 generic mobile guards */
@media(max-width:760px){
  body{overflow-x:hidden}
  .content-shell,.hub-shell{min-width:0}
  .card,.hub-card,.contact-card,.form-card{min-width:0}
  .section-heading,.split-heading,.prose{min-width:0}
  .table-wrap{max-width:100%;-webkit-overflow-scrolling:touch}
  .hub-grid{grid-template-columns:minmax(0,1fr)!important}
  .hub-hero h1{font-size:clamp(36px,10vw,44px);overflow-wrap:break-word}
  .contact-layout{grid-template-columns:minmax(0,1fr)!important}
}
/* V30 conversion CTA contrast hardening — dedicated classes avoid family-theme collisions. */
.conversion-band .button.conversion-primary{background:#fff;color:#123565;border-color:#fff;box-shadow:0 14px 34px rgba(255,255,255,.16)}
.conversion-band .button.conversion-primary:hover{background:#f7faff;color:#0b2852;border-color:#f7faff;box-shadow:0 18px 38px rgba(0,0,0,.14)}
.conversion-band .button.conversion-secondary{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.48);box-shadow:none}
.conversion-band .button.conversion-secondary:hover{background:rgba(255,255,255,.2);color:#fff;border-color:rgba(255,255,255,.68);box-shadow:none}