:root{
  --navy:#071a2d; --navy2:#0f2945; --green:#1f6b4b; --green2:#2e8b63;
  --gold:#d4a94f; --ice:#f5f9f7; --line:#dfe8e3; --ink:#102033; --muted:#667386;
  --white:#fff; --shadow:0 24px 70px rgba(7,26,45,.14); --radius:26px; --max:1180px;
}
*{box-sizing:border-box} body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{text-decoration:none;color:inherit} img{max-width:100%;display:block}.container{max-width:var(--max);margin:auto;padding:0 24px}
.topbar{background:var(--navy);color:#dfece7;font-size:.9rem}.topbar .container{display:flex;justify-content:space-between;gap:18px;padding:9px 24px}.topbar a{font-weight:800;color:#fff}
.header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--line);z-index:30}.nav{height:78px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand img{height:52px;width:auto}.links{display:flex;align-items:center;gap:18px;font-size:.93rem;font-weight:800}.links a:hover{color:var(--green)}
.btn,.nav-cta{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:13px 18px;font-weight:900;border:1px solid transparent;transition:.2s}.btn.primary,.nav-cta{background:var(--green);color:#fff}.btn.primary:hover,.nav-cta:hover{background:#15523a;transform:translateY(-1px)}.btn.secondary{background:#fff;color:var(--navy);border-color:#ccd8d2}.btn.dark{background:var(--navy);color:#fff}.btn.gold{background:var(--gold);color:var(--navy)}
.menu{display:none;border:0;background:transparent;font-size:1.8rem;color:var(--navy)}
.hero{background:radial-gradient(circle at 82% 10%,rgba(46,139,99,.18),transparent 30%),linear-gradient(180deg,#f8fbf9,#fff);padding:70px 0}.hero-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:50px;align-items:center}.hero h1{font-size:clamp(2.65rem,5.6vw,5.4rem);line-height:1.02;letter-spacing:-.06em;margin:12px 0;color:var(--navy)}.lead{font-size:1.22rem;color:#405064;max-width:820px}.eyebrow{letter-spacing:.14em;text-transform:uppercase;font-size:.76rem;font-weight:950;color:var(--green)}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}.proof-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}.proof-row span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 12px;font-weight:850;color:#506071}
.visual{border-radius:34px;overflow:hidden;box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.8);background:#eaf0ec}.visual img{height:520px;width:100%;object-fit:cover}.caption{padding:15px 18px;background:rgba(7,26,45,.92);color:#fff;font-weight:800}
.section{padding:82px 0}.section.alt{background:var(--ice)}.section.dark{background:var(--navy);color:#fff}.section-head{max-width:850px;margin-bottom:34px}.section-head.center{text-align:center;margin-left:auto;margin-right:auto}.section h2,.page-hero h1{color:var(--navy);font-size:clamp(2rem,3.7vw,3.45rem);line-height:1.08;letter-spacing:-.045em;margin:8px 0 12px}.dark h2,.dark h3{color:#fff}.muted{color:var(--muted)}.dark .muted{color:#cbd8d3}.small{font-size:.88rem}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card,.panel,.metric,.article-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 12px 40px rgba(7,26,45,.055)}.dark .card,.dark .panel{background:#0e2a47;border-color:rgba(255,255,255,.13)}.card h3,.panel h3,.article-card h3{margin:0 0 8px;color:var(--navy);letter-spacing:-.02em}.dark .card h3,.dark .panel h3{color:#fff}.tag{display:inline-block;background:#e7f2ec;color:var(--green);font-size:.76rem;font-weight:950;border-radius:999px;padding:6px 10px;margin-bottom:14px}.metric b{display:block;font-size:2rem;line-height:1;color:var(--green)}.split{display:grid;grid-template-columns:.95fr 1.05fr;gap:42px;align-items:start}
.table{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden}.table th,.table td{padding:17px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.table th{background:#f3f8f5;color:var(--navy)}.table tr:last-child td{border-bottom:0}
.page-hero{background:linear-gradient(180deg,#f8fbf9,#fff);padding:58px 0 44px;border-bottom:1px solid var(--line)}.page-hero h1{font-size:clamp(2.4rem,5vw,4.5rem)}.breadcrumb{font-size:.9rem;color:var(--muted);margin-bottom:13px}
.form{display:grid;gap:16px}.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field label{display:block;font-weight:900;color:var(--navy);margin-bottom:6px}.field input,.field select,.field textarea{width:100%;border:1px solid #cbd6df;border-radius:14px;padding:13px 14px;font:inherit;background:#fff}.field textarea{min-height:118px}.note{background:#fff9e8;border-left:4px solid var(--gold);border-radius:14px;padding:16px 18px}
.cta-band{background:linear-gradient(120deg,var(--navy),#123a2d);color:#fff;border-radius:34px;padding:42px;display:grid;grid-template-columns:1fr auto;gap:22px;align-items:center}.cta-band h2{color:#fff;margin:0 0 8px;font-size:2.2rem}
.calculator{display:grid;grid-template-columns:.95fr 1.05fr;gap:24px}.results{position:sticky;top:100px}.result-number{font-size:2.5rem;font-weight:950;color:var(--green);line-height:1}.range-wrap{display:grid;gap:6px}.range-wrap output{font-weight:900;color:var(--navy)}
.article{max-width:900px}.article h2{color:var(--navy);margin-top:34px}.article p,.article li{font-size:1.05rem}.footer{background:#081827;color:#cdd9d4;padding:56px 0 24px}.footer-grid{display:grid;grid-template-columns:1.2fr repeat(3,1fr);gap:30px}.footer img{height:56px}.footer h4{color:#fff}.footer a{display:block;margin:8px 0;color:#cdd9d4}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:20px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;color:#9eaaa8;font-size:.9rem}
@media(max-width:900px){.hero-grid,.split,.grid-2,.grid-3,.grid-4,.footer-grid,.cta-band,.calculator,.row{grid-template-columns:1fr}.visual img{height:360px}.links{position:absolute;display:none;flex-direction:column;align-items:flex-start;top:78px;left:24px;right:24px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:18px;box-shadow:var(--shadow)}.links.open{display:flex}.menu{display:block}.nav-cta{width:100%}.topbar .container{display:block}.hero{padding:48px 0}.section{padding:60px 0}.cta-band{padding:28px}.results{position:static}}