:root{
  --navy:#0d2b3c;--navy-2:#163e55;--gold:#b9a56d;--gold-2:#d6c79c;
  --ink:#13212a;--muted:#64717a;--paper:#f7f6f2;--white:#fff;--line:#dfe4e6;
  --max:1180px;--radius:20px;--shadow:0 18px 50px rgba(13,43,60,.08);
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Manrope,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}img{max-width:100%;display:block}button,input{font:inherit}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;background:#fff;padding:10px 14px;z-index:1000}
.container{width:min(var(--max),calc(100% - 40px));margin:auto}.eyebrow{font-size:.76rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:800}.muted{color:var(--muted)}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);backdrop-filter:blur(14px);border-bottom:1px solid rgba(223,228,230,.8)}
.header-inner{height:82px;display:flex;align-items:center;gap:26px}.brand{display:flex;align-items:center;min-width:235px}.brand img{width:205px;height:58px;object-fit:contain;object-position:left center}.nav{display:flex;align-items:center;gap:28px;margin-left:auto;font-size:.95rem}.nav a{color:#31414a}.nav a:hover{color:var(--navy)}
.dropdown{position:relative}.dropdown-menu{display:none;position:absolute;top:32px;left:-16px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:10px;min-width:245px}.dropdown:hover .dropdown-menu,.dropdown:focus-within .dropdown-menu{display:block}.dropdown-menu a{display:block;padding:10px 12px;border-radius:9px}.dropdown-menu a:hover{background:var(--paper)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:12px;padding:13px 20px;font-weight:800;border:1px solid transparent;cursor:pointer;transition:.2s ease}.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover{transform:translateY(-1px);background:#12384c}.btn-secondary{border-color:var(--navy);color:var(--navy);background:transparent}.btn-gold{background:var(--gold);color:#0b2534}.header-cta{white-space:nowrap}.menu-btn{display:none;margin-left:auto;border:0;background:transparent;font-size:1.5rem;color:var(--navy)}
.hero{background:linear-gradient(135deg,#f8f7f3 0%,#fff 58%,#eef2f3 100%);position:relative;overflow:hidden}.hero:after{content:"";position:absolute;width:420px;height:420px;border:1px solid rgba(185,165,109,.32);border-radius:50%;right:-130px;top:-170px}.hero-inner{min-height:610px;display:grid;grid-template-columns:1.12fr .88fr;align-items:center;gap:70px;padding:80px 0}.hero h1{font-size:clamp(2.45rem,5vw,4.25rem);line-height:1.07;letter-spacing:-.045em;margin:.2em 0 .35em;max-width:850px;color:var(--navy)}.hero p{font-size:1.16rem;color:#52616a;max-width:690px}.hero-actions{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin-top:28px}.micro{font-size:.88rem;color:#738089;margin-top:12px}.hero-visual{min-height:410px;border-radius:30px;background:linear-gradient(145deg,var(--navy),#1d5069);position:relative;box-shadow:var(--shadow);overflow:hidden}
.hero-video-wrap{isolation:isolate}
.hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 45%;z-index:0;background:var(--navy)}
.hero-video-overlay{position:absolute;inset:0;z-index:1;background:linear-gradient(180deg,rgba(5,24,35,.04) 20%,rgba(5,24,35,.62) 100%)}
.hero-video-caption{position:absolute;left:28px;right:28px;bottom:26px;z-index:2;color:#fff;display:flex;flex-direction:column;line-height:1.15;text-shadow:0 2px 18px rgba(0,0,0,.28)}
.hero-video-caption span{font-size:.78rem;letter-spacing:.15em;text-transform:uppercase;opacity:.82}
.hero-video-caption strong{font-size:1.45rem;margin-top:6px}
.breadcrumb{font-size:.86rem;color:#71808a;padding-top:30px}.breadcrumb a{color:var(--navy)}
.section{padding:88px 0}.section.alt{background:var(--paper)}.section.dark{background:var(--navy);color:#fff}.section.dark h2,.section.dark h3{color:#fff}.section h2{font-size:clamp(2rem,3.5vw,3rem);line-height:1.15;letter-spacing:-.035em;color:var(--navy);margin:.1em 0 .45em}.section .lead{font-size:1.08rem;color:var(--muted);max-width:780px}.section.dark .lead,.section.dark p{color:#d8e1e6}
.grid{display:grid;gap:20px}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}.card{border:1px solid var(--line);border-radius:var(--radius);padding:27px;background:#fff;transition:.2s ease}.card:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:#ccd5d9}.card h3{margin:0 0 10px;color:var(--navy);font-size:1.18rem}.card p{margin:0;color:var(--muted)}.card-link{display:inline-block;margin-top:18px;color:var(--navy);font-weight:800}.card-link:after{content:' →'}
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}.step{border-top:2px solid var(--gold);padding-top:18px}.step strong{display:block;color:var(--navy);margin-bottom:7px}.step-number{font-size:.78rem;letter-spacing:.12em;color:var(--gold);font-weight:800;margin-bottom:8px}
.copy{max-width:820px}.copy h3{font-size:1.35rem;color:var(--navy);margin:2em 0 .45em}.copy p{color:#3e4b53}.callout{border-left:3px solid var(--gold);padding:18px 22px;background:#faf8f2;border-radius:0 14px 14px 0;color:#34434b;font-style:italic;margin:26px 0}.inline-link{font-weight:800;color:var(--navy);border-bottom:1px solid var(--gold)}
.form-box{border-radius:28px;background:linear-gradient(135deg,#0d2b3c,#173f53);padding:42px;color:#fff;box-shadow:var(--shadow)}.form-box h2{color:#fff;margin-top:0}.form-box p{color:#dce5e9}.form-row{display:flex;gap:12px;margin-top:22px}.form-row input{flex:1;min-width:0;border:1px solid rgba(255,255,255,.22);background:#fff;color:#111;border-radius:12px;padding:15px 16px;outline:none}.form-row input:focus{box-shadow:0 0 0 3px rgba(185,165,109,.35)}.privacy-note{font-size:.78rem;color:#b9c6cc!important;margin-bottom:0}.success-note{display:none;margin-top:14px;color:#e9deb7;font-weight:700}
.faq{max-width:920px}.faq details{border-bottom:1px solid var(--line);padding:18px 0}.faq summary{cursor:pointer;font-weight:800;color:var(--navy);list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:'+';float:right;color:var(--gold);font-size:1.4rem}.faq details[open] summary:after{content:'−'}.faq details p{color:var(--muted);margin-bottom:0}
.article-head{padding:68px 0 46px;background:var(--paper)}.article-head h1{font-size:clamp(2.35rem,4vw,3.7rem);line-height:1.08;letter-spacing:-.04em;color:var(--navy);max-width:900px;margin:.35em 0}.article-meta{font-size:.9rem;color:var(--muted)}.article{padding:64px 0}.article-layout{display:grid;grid-template-columns:minmax(0,820px) 260px;gap:70px}.article-body h2{font-size:1.75rem;color:var(--navy);margin-top:2.2em}.article-body h3{font-size:1.12rem;color:var(--navy);margin-top:1.7em}.article-body p{font-size:1.03rem;color:#35434b}.article-side{position:sticky;top:110px;height:max-content}.side-box{border:1px solid var(--line);border-radius:16px;padding:20px}.side-box a{display:block;padding:7px 0;color:#46545d;font-size:.9rem}.sources{font-size:.9rem}.sources a{color:var(--navy);text-decoration:underline;text-underline-offset:3px;word-break:break-word}
.site-footer{background:#081e2a;color:#cfd9de;padding:58px 0 28px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:40px}.footer-lockup{display:flex;align-items:center;gap:12px;margin-bottom:16px}.footer-lockup img{width:52px;height:52px;object-fit:contain;background:#fff;border-radius:12px;padding:5px}.footer-lockup strong,.footer-lockup span{display:block;color:#fff;line-height:1}.footer-lockup strong{font-size:1.3rem;letter-spacing:.04em}.footer-lockup span{font-size:1.02rem;letter-spacing:.18em;margin-top:5px}.footer-title{font-weight:800;color:#fff;margin-bottom:12px}.footer-links a{display:block;color:#bac7cd;padding:5px 0}.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:22px;font-size:.8rem;color:#93a4ad;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.mobile-cta{display:none;position:fixed;left:14px;right:14px;bottom:14px;z-index:80;box-shadow:0 12px 30px rgba(13,43,60,.24)}
@media(max-width:980px){.nav,.header-cta{display:none}.menu-btn{display:block}.site-header.open .nav{display:flex;position:absolute;left:0;right:0;top:82px;background:#fff;padding:22px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}.site-header.open .dropdown-menu{position:static;display:block;box-shadow:none;border:0;padding-left:10px}.hero-inner{grid-template-columns:1fr;min-height:auto;padding:65px 0}.hero-visual{min-height:300px}.grid-4,.steps{grid-template-columns:repeat(2,1fr)}.article-layout{grid-template-columns:1fr}.article-side{position:static}.footer-grid{grid-template-columns:1fr 1fr}.mobile-cta{display:flex}.site-footer{padding-bottom:100px}}
@media(max-width:640px){.container{width:min(100% - 28px,var(--max))}.header-inner{height:70px}.brand img{width:170px;height:48px}.site-header.open .nav{top:70px}.section{padding:64px 0}.grid-2,.grid-3,.grid-4,.steps{grid-template-columns:1fr}.hero h1{font-size:2.55rem}.hero p{font-size:1.05rem}.hero-visual{min-height:235px;border-radius:20px}.hero-video-caption{left:20px;right:20px;bottom:20px}.hero-video-caption strong{font-size:1.15rem}.form-box{padding:28px 22px;border-radius:20px}.form-row{flex-direction:column}.footer-grid{grid-template-columns:1fr}.article{padding:44px 0}.article-head{padding:50px 0 34px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

.tally-cta-actions{margin-top:24px}.tally-cta-actions .privacy-note{margin-top:14px;max-width:720px}