:root{--navy:#193b59;--teal:#008c94;--mint:#dff4f1;--ink:#263648;--muted:#607182;--line:#dbe7ec;--bg:#f5f9fb;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.7 system-ui,-apple-system,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff}a{color:#087c87;text-underline-offset:3px}a:hover{color:#124769}.container{width:min(1180px,calc(100% - 38px));margin:auto}.topline{background:#17344f;color:#d9edf3;font-size:13px}.topline .container{display:flex;gap:20px;align-items:center;justify-content:space-between;padding:7px 0;flex-wrap:wrap}.topline a{color:#fff;text-decoration:none}.header{background:#fff;box-shadow:0 2px 15px #0c2e4111;position:relative;z-index:2}.header .container{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:15px 0}.brand{text-decoration:none;display:inline-flex;align-items:center;gap:10px;color:var(--navy)}.brand-mark{height:48px;width:62px;display:grid;place-items:center;border:2px solid var(--teal);border-radius:12px;font-weight:850;font-size:25px;letter-spacing:-2px;color:var(--teal)}.brand-text{display:flex;flex-direction:column;line-height:1.1}.brand-text strong{font-size:20px;letter-spacing:.07em}.brand-text small{font-size:11px;color:#698096;max-width:180px;line-height:1.4;margin-top:5px}.menu{display:flex;align-items:center;gap:22px;flex-wrap:wrap}.menu a{font-weight:650;color:var(--navy);text-decoration:none;font-size:14px}.menu a:hover,.menu a[aria-current=page]{color:var(--teal)}.subnav{border-top:1px solid var(--line);background:#f7fafb}.subnav .container{display:flex;gap:27px;overflow-x:auto;white-space:nowrap;padding:10px 0}.subnav a{text-decoration:none;font-size:14px;font-weight:650}.hero{background:linear-gradient(110deg,#e7f6f6 0%,#f4fafc 50%,#d6edf1 100%);overflow:hidden}.hero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:32px;align-items:center;min-height:380px;padding:54px 0}.eyebrow{text-transform:uppercase;font-weight:760;font-size:12px;letter-spacing:.16em;color:#087983}.hero h1{font-size:clamp(31px,4vw,50px);line-height:1.15;color:#193a55;margin:10px 0 20px}.hero p{max-width:625px;font-size:17px;color:#4e6878}.btn{background:var(--teal);color:#fff;border-radius:8px;padding:12px 20px;display:inline-flex;text-decoration:none;font-weight:700;align-items:center;gap:8px}.btn:hover{background:#08717a;color:#fff}.hero-visual{position:relative;min-height:280px;display:grid;place-items:center}.hero-visual:before{content:"";position:absolute;width:310px;height:310px;background:#b7e5e0;border-radius:100% 45% 90% 45%;transform:rotate(25deg)}.hero-visual svg{position:relative;width:min(100%,420px);filter:drop-shadow(0 18px 18px #11475c1c)}.main{padding:52px 0 75px}.section-heading{margin:0 0 22px;color:#173c55;font-size:27px;line-height:1.25}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{padding:25px;background:#fff;border:1px solid var(--line);border-radius:13px;box-shadow:0 7px 24px #173b5209}.card .symbol{width:43px;height:43px;border-radius:11px;background:var(--mint);display:grid;place-items:center;color:#007b83;font-size:21px;margin-bottom:13px}.card h3{margin:0 0 9px;color:#19425d;font-size:19px}.card p{margin:0 0 13px;font-size:14px;color:#657585}.card a{font-weight:700;text-decoration:none}.two-col{display:grid;grid-template-columns:1.5fr .8fr;gap:48px;margin-top:48px}.prose h2{font-size:26px;line-height:1.3;color:#1a435d;margin:0 0 16px}.prose h3{font-size:21px;line-height:1.3;color:#1a435d;margin:32px 0 12px}.prose p{margin:0 0 17px}.side{background:var(--bg);border:1px solid var(--line);padding:25px;border-radius:12px;align-self:start}.side h3{margin:0 0 14px;color:#1d4560}.side ul{padding-left:20px;margin:0}.side li{margin-bottom:8px}.note{font-size:13px;color:#64798b;background:#edf5f7;border-left:3px solid var(--teal);padding:13px 16px;border-radius:5px}.page-hero{background:#eaf5f7;padding:36px 0;border-bottom:1px solid var(--line)}.breadcrumbs{font-size:13px;color:#60798b;margin-bottom:12px}.breadcrumbs a{color:#46778b;text-decoration:none}.page-hero h1{font-size:clamp(30px,3.5vw,41px);line-height:1.2;color:#173e58;margin:0 0 8px}.page-hero p{margin:0;max-width:760px;color:#63798b}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 265px;gap:56px}.article{max-width:800px}.article h2{font-size:22px;color:#19435e;line-height:1.3;margin:28px 0 10px}.article h2:first-child{margin-top:0}.article p{margin:0 0 14px}.article-nav{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}.article-nav a{background:#eaf5f7;color:#1c6572;border-radius:7px;padding:7px 12px;text-decoration:none;font-size:14px;font-weight:650}.footer{background:#17354f;color:#dbeaf0;padding:37px 0 20px}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:25px}.footer a{color:#e7f7fc;text-decoration:none}.footer ul{list-style:none;margin:0;padding:0}.footer li{margin-bottom:7px}.footer h3{font-size:15px;margin:0 0 10px;color:#fff}.footer p{margin:0 0 7px;font-size:14px}.copyright{border-top:1px solid #537082;padding-top:17px;margin-top:29px;font-size:12px;color:#c0d3dd}.skip{position:absolute;left:-9999px;top:0}.skip:focus{left:8px;background:#fff;z-index:20;padding:8px}@media(max-width:850px){.hero .container{grid-template-columns:1fr}.hero-visual{display:none}.cards{grid-template-columns:repeat(2,1fr)}.two-col,.article-layout{grid-template-columns:1fr}.menu{gap:12px}.footgrid{grid-template-columns:1fr 1fr}}@media(max-width:580px){.header .container{flex-direction:column;align-items:flex-start}.menu{gap:12px 16px}.cards{grid-template-columns:1fr}.footgrid{grid-template-columns:1fr}.hero .container{padding:38px 0;min-height:0}.main{padding:33px 0 55px}}