@font-face{font-family:Inter;src:url(/fonts/inter-latin.woff2) format("woff2");font-weight:400 800;font-display:swap}
:root{--navy:#0b1220;--ink:#0f172a;--slate:#475569;--muted:#64748b;--line:#e2e8f0;--bg:#f8fafc;--amber:#f59e0b;--amber2:#fbbf24;--amberd:#b45309;--cream:#fef3c7;--cream2:#fffbeb;--blue:#1e3a8a;--r:14px;--w:1240px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg)}
a{color:#1d4ed8}a:hover{color:var(--amberd)}
img,svg{max-width:100%}
.wrap{max-width:var(--w);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
/* header */
.top{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid #1f2937}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:62px;gap:16px}
.logo{color:#fff;text-decoration:none;font-weight:800;font-size:20px;letter-spacing:-.02em;display:flex;align-items:center;gap:9px}
.logo span{color:var(--amber)}.logo:hover{color:#fff}
.logo i{width:30px;height:30px;border-radius:8px;background:var(--amber);display:grid;place-items:center;color:var(--navy);font-style:normal}
.nav{display:flex;gap:4px;align-items:center}
.nav a{color:#cbd5e1;text-decoration:none;font-size:14.5px;font-weight:600;padding:8px 11px;border-radius:8px}
.nav a:hover,.nav a[aria-current]{color:#fff;background:#1f2937}
.nav .cta{background:var(--amber);color:var(--navy)}.nav .cta:hover{background:var(--amber2);color:var(--navy)}
@media(max-width:760px){.nav a:not(.cta):not(.keep){display:none}.logo{font-size:18px}}
/* hero */
.hero{background:radial-gradient(900px 420px at 85% -10%,rgba(30,58,138,.55),transparent 60%),linear-gradient(160deg,#0b1220 0%,#111827 55%,#1f2937 100%);color:#e2e8f0;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:44px 44px;mask-image:linear-gradient(180deg,#000,transparent 85%);pointer-events:none}
.hero .wrap{position:relative;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:44px;padding-top:44px;padding-bottom:52px;align-items:start}
.hero.solo .wrap{grid-template-columns:1fr;padding-bottom:40px}
.crumbs{font-size:13px;color:#94a3b8;margin:0 0 14px}.crumbs a{color:#cbd5e1;text-decoration:none}.crumbs a:hover{color:var(--amber2)}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}.crumbs li+li:before{content:"/";margin-right:6px;color:#475569}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--amber2);background:rgba(245,158,11,.1);border:1px solid rgba(245,158,11,.3);padding:5px 11px;border-radius:999px}
h1{font-size:clamp(30px,4.4vw,50px);line-height:1.08;letter-spacing:-.03em;margin:16px 0 14px;color:#fff;font-weight:800}
h1 em{font-style:normal;color:var(--amber)}
.lede{font-size:18px;color:#cbd5e1;max-width:640px;margin:0 0 24px}
.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:0 0 8px;padding:0;list-style:none}
.stats li{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.09);border-radius:12px;padding:14px}
.stats b{display:block;font-size:24px;color:#fff;letter-spacing:-.02em;line-height:1.15}
.stats small{display:block;font-size:12.5px;color:#94a3b8;margin-top:3px;line-height:1.35}

.srcnote{font-size:12.5px;color:#94a3b8;margin:10px 0 0}.srcnote a{color:#cbd5e1}
/* form */
.lead{background:#fff;color:var(--ink);border-radius:var(--r);padding:22px;box-shadow:0 24px 60px -20px rgba(0,0,0,.55);border-top:4px solid var(--amber)}
.lead h2{font-size:21px;margin:0 0 4px;letter-spacing:-.02em;line-height:1.25}
.lead .sub{margin:0 0 14px;color:var(--slate);font-size:14px}
.lead label{display:block;font-size:13px;font-weight:600;color:#334155;margin:0 0 10px}
.lead input,.lead select{display:block;width:100%;margin-top:4px;font:inherit;font-size:16px;padding:10px 12px;border:1px solid #cbd5e1;border-radius:9px;background:#fff;color:var(--ink)}
.lead input:focus,.lead select:focus{outline:2px solid var(--amber);border-color:var(--amber)}
.lead input[readonly]{background:var(--bg);color:var(--slate)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.lead .chk{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:12px;line-height:1.45;color:var(--slate);background:var(--bg);border:1px solid var(--line);border-radius:9px;padding:10px;margin:4px 0 12px}
.lead .chk input{width:18px;height:18px;flex:0 0 18px;margin:1px 0 0;accent-color:var(--amberd)}
.lead button{width:100%;font:inherit;font-weight:800;font-size:16px;padding:13px;border:0;border-radius:10px;background:var(--amber);color:var(--navy);cursor:pointer;margin-top:10px}
.lead button:hover{background:var(--amber2)}.lead button[disabled]{opacity:.6;cursor:wait}
.lead .fine{font-size:11.5px;color:var(--muted);margin:10px 0 0;line-height:1.45}
.lead .msg{display:none;margin-top:10px;padding:10px 12px;border-radius:9px;font-size:14px}
.lead .msg.ok{display:block;background:#ecfdf5;color:#065f46;border:1px solid #a7f3d0}
.lead .msg.err{display:block;background:#fef2f2;color:#991b1b;border:1px solid #fecaca}
.hp{position:absolute!important;left:-5000px!important;height:0;overflow:hidden}
.cf-turnstile{min-height:65px}
/* sections */
.band{padding:52px 0}.band.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band.cream{background:var(--cream2);border-top:1px solid #fde68a;border-bottom:1px solid #fde68a}
.band.dark{background:var(--navy);color:#cbd5e1}.band.dark h2{color:#fff}
h2{font-size:clamp(23px,2.6vw,31px);letter-spacing:-.025em;line-height:1.2;margin:0 0 10px}
h3{font-size:18px;letter-spacing:-.01em;margin:0 0 8px}
.kicker{font-size:12.5px;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--amberd);margin:0 0 6px}
.band.dark .kicker{color:var(--amber2)}
.intro{color:var(--slate);max-width:760px;margin:0 0 24px}
.band.dark .intro{color:#94a3b8}
.grid{display:grid;gap:18px}.g2{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.split{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);gap:28px;align-items:start}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px}
.band.alt .card{background:var(--bg)}
.tcard{display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:transform .15s,box-shadow .15s,border-color .15s}
.tcard:hover{transform:translateY(-2px);box-shadow:0 14px 30px -18px rgba(15,23,42,.45);border-color:#fcd34d;color:inherit}
.tcard .ic{width:44px;height:44px;border-radius:11px;background:var(--cream);color:var(--amberd);display:grid;place-items:center;margin-bottom:12px}
.tcard h3{margin-bottom:2px}.tcard .soc{font-size:12.5px;color:var(--muted);margin:0 0 12px}
.tcard dl{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin:auto 0 0;padding-top:12px;border-top:1px dashed var(--line)}
.tcard dt{font-size:11.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;font-weight:700}
.tcard dd{margin:0;font-size:19px;font-weight:800;letter-spacing:-.02em}
.tcard .more{margin-top:12px;font-size:14px;font-weight:700;color:#1d4ed8}
/* tables */
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;font-size:14.5px}
.tbl th,.tbl td{padding:10px 12px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.tbl thead th{background:#f1f5f9;font-size:12px;text-transform:uppercase;letter-spacing:.05em;color:var(--slate);font-weight:800}
.tbl tr:last-child td{border-bottom:0}
.tbl td.n,.tbl th.n{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.tbl tr.hi td{background:var(--cream2);font-weight:700}
.tbl caption{caption-side:bottom;text-align:left;font-size:12.5px;color:var(--muted);padding:8px 2px 0}
.tag{display:inline-block;font-size:11.5px;font-weight:700;padding:2px 8px;border-radius:999px;background:#eef2ff;color:#3730a3;white-space:nowrap}
.tag.a{background:var(--cream);color:#92400e}.tag.g{background:#ecfdf5;color:#065f46}
.tw{overflow-x:auto}
@media(max-width:720px){
 .tbl.stack thead{display:none}.tbl.stack,.tbl.stack tbody,.tbl.stack tr,.tbl.stack td{display:block;width:100%}
 .tbl.stack tr{border-bottom:1px solid var(--line);padding:8px 0}.tbl.stack td{border:0;padding:3px 14px}
 .tbl.stack td[data-l]:before{content:attr(data-l) ": ";font-weight:700;color:var(--muted);font-size:12px;text-transform:uppercase;letter-spacing:.04em}
 .tbl.stack td.n{text-align:left}.tbl.stack td:first-child{font-weight:700;font-size:15.5px}
}
.dist{margin:6px 0 0}
.bar{position:relative;height:12px;border-radius:99px;background:linear-gradient(90deg,#e2e8f0,#fde68a,#f59e0b);margin:34px 6px 34px}
.bar span{position:absolute;top:-28px;transform:translateX(-50%);font-size:12.5px;font-weight:800;white-space:nowrap}
.bar span:after{content:"";position:absolute;left:50%;top:22px;width:2px;height:18px;background:var(--ink);opacity:.5}
.bar span.lo{top:auto;bottom:-30px}.bar span.lo:after{top:-20px}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}
.pills a{display:inline-block;padding:7px 12px;border:1px solid var(--line);background:#fff;border-radius:999px;text-decoration:none;font-size:14px;font-weight:600;color:var(--ink)}
.pills a:hover{border-color:var(--amber);background:var(--cream2)}
.pills small{color:var(--muted);font-weight:500}
.list{margin:0;padding-left:18px}.list li{margin:0 0 6px}
.src{font-size:13.5px;color:var(--slate)}.src li{margin-bottom:6px}
.note{border-left:4px solid var(--amber);background:var(--cream2);padding:12px 16px;border-radius:0 10px 10px 0;font-size:14.5px;color:#78350f}
.sis{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px}
.sis a{display:block;padding:16px;border-radius:12px;background:#111827;border:1px solid #1f2937;color:#e2e8f0;text-decoration:none}
.sis a:hover{border-color:var(--amber)}.sis b{display:block;color:#fff}.sis small{color:#94a3b8}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.steps .card{position:relative;padding-top:46px}.steps .card:before{counter-increment:s;content:counter(s);position:absolute;top:14px;left:20px;width:26px;height:26px;border-radius:7px;background:var(--navy);color:var(--amber);font-weight:800;display:grid;place-items:center;font-size:14px}
.prose{max-width:780px}.prose h2{margin-top:34px}.prose p,.prose li{color:#334155}
.mt{margin-top:28px}
/* footer */
.foot{background:var(--navy);color:#94a3b8;padding:44px 0 26px;font-size:14px}
.foot .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}
.foot h4{color:#fff;font-size:13px;text-transform:uppercase;letter-spacing:.08em;margin:0 0 10px}
.foot a{color:#cbd5e1;text-decoration:none}.foot a:hover{color:var(--amber2)}
.foot ul{list-style:none;margin:0;padding:0}.foot li{margin-bottom:6px}
.foot .base{border-top:1px solid #1f2937;margin-top:28px;padding-top:18px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:12.5px}
.vo{color:var(--amber2);font-weight:700}
@media(max-width:1000px){.hero .wrap{grid-template-columns:1fr;gap:26px;padding-top:28px}.g4{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(2,minmax(0,1fr))}.split{grid-template-columns:1fr}}
@media(max-width:640px){.g2,.g3,.g4,.steps{grid-template-columns:1fr}.stats{grid-template-columns:repeat(2,minmax(0,1fr))}.stats b{font-size:21px}.lede{font-size:16.5px}.band{padding:38px 0}.foot .cols{grid-template-columns:1fr}.lead{padding:18px}.row2{grid-template-columns:1fr}.hero .wrap{padding-bottom:34px}}
.hero .wrap.hg{grid-template-areas:"hl hf" "hs hf";grid-template-rows:auto 1fr}
.hg .hl{grid-area:hl}.hg .hf{grid-area:hf}.hg .hs{grid-area:hs}
@media(max-width:1000px){.hero .wrap.hg{grid-template-areas:"hl" "hf" "hs";grid-template-rows:auto}}
.logo b{font-weight:800}.logo b span{color:var(--amber)}
.stats .hi1 b{color:var(--amber)}
.hx{margin-top:22px;padding-top:18px;border-top:1px solid rgba(255,255,255,.08)}
.hx p{margin:0 0 10px;font-size:12.5px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:#94a3b8}
.pills.dk a{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12);color:#e2e8f0}
.pills.dk a:hover{border-color:var(--amber);background:rgba(245,158,11,.12);color:#fff}
.pills.dk small{color:var(--amber2)}
@media(max-width:720px){.tbl.stack caption{display:block;width:100%;padding:10px 14px 12px}.lede{font-size:16px}.row2.z{grid-template-columns:1fr 1fr}}
.grp{margin:0 0 4px;font-size:1.25rem}.grp.mt{margin-top:36px}
.tbl tr.grow th{background:#eef2f7;text-align:left;font-size:.78rem;letter-spacing:.04em;text-transform:uppercase;color:#334155;padding:8px 12px}
@media(max-width:700px){.tbl.stack tr.grow{display:block}.tbl.stack tr.grow th{display:block}}
.answer{font-size:17px;line-height:1.55;background:#fff;border:1px solid #e2e8f0;border-left:4px solid var(--amber);border-radius:0 12px 12px 0;padding:14px 18px;margin:6px 0 14px;color:var(--ink)}
.ladder{grid-template-columns:repeat(5,minmax(0,1fr))}.ladder li{background:#fff;border:1px solid #e2e8f0}.ladder b{color:var(--ink)}.ladder small{color:#475569}
.faq{display:grid;gap:12px}.faq .qa{background:#fff;border:1px solid #e2e8f0;border-radius:12px;padding:14px 18px}.faq h3{margin:0 0 6px;font-size:17px}.faq p{margin:0;color:#334155;line-height:1.55}
.lead fieldset.yn{border:0;padding:0;margin:10px 0 4px;display:flex;gap:18px;align-items:center;flex-wrap:wrap}.lead fieldset.yn legend{font-weight:600;font-size:14.5px;padding:0;margin-bottom:6px;width:100%}.lead fieldset.yn label{display:flex;align-items:center;gap:6px;font-weight:500}.lead fieldset.yn input{display:inline-block;width:auto;margin:0}
@media(max-width:640px){.ladder{grid-template-columns:repeat(2,minmax(0,1fr))}}