:root{--blue:#064579;--navy:#08344e;--green:#117454;--ink:#172e3e;--muted:#526574;--line:#dce5eb;--pale:#f3f7fa}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;color:var(--ink);font:16px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:#fff}a{color:var(--blue);text-underline-offset:4px}a:hover{text-decoration:underline}a:focus-visible,summary:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible{outline:3px solid #e6a21a;outline-offset:4px}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.2;letter-spacing:-.025em}h1{font-size:clamp(2.4rem,4.7vw,4.3rem);font-weight:750;margin-bottom:24px}h2{font-size:clamp(1.8rem,3vw,2.6rem);margin-bottom:22px}h3{font-size:1.45rem}p{margin-bottom:18px}img{max-width:100%}.wrap{max-width:1160px;width:88%;margin-inline:auto}.skip{position:absolute;left:12px;top:-80px;z-index:5;background:#fff;padding:12px}.skip:focus{top:12px}.preview-banner{background:#8b5722;color:white;text-align:center;padding:10px}.topbar{background:var(--blue);color:#fff;font-size:.8rem}.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding:10px 0}.topbar a{color:#fff}header{display:flex;justify-content:space-between;align-items:center;gap:24px;padding:24px 0}.brand{font-weight:800;font-size:1.45rem;text-decoration:none;line-height:1.2;color:var(--blue)}.brand small{display:block;font-weight:400;font-size:.72rem;margin-top:8px;color:var(--muted)}nav{display:flex;gap:24px;align-items:center;flex-wrap:wrap}nav a{font-size:.9rem;text-decoration:none;font-weight:600}.nav-cta{background:var(--green);color:white;padding:12px 18px;border-radius:7px}.cta-hero{position:relative;background:var(--navy);color:white;isolation:isolate;overflow:hidden}.hero-photo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}.cta-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,35,56,.95),rgba(5,35,56,.82) 50%,rgba(5,35,56,.55));z-index:-1}.hero-grid{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(0,1fr);gap:70px;align-items:center;padding:65px 0}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:750;font-size:.75rem;color:var(--green);margin-bottom:14px}.hero-copy .eyebrow{color:#96efc7}.lead{font-size:1.15rem;max-width:590px}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.button{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:var(--green);color:#fff;text-decoration:none;font:700 1rem/1.3 system-ui;border:2px solid transparent;border-radius:7px;padding:15px 22px;min-height:48px;cursor:pointer}.button:hover{filter:brightness(.94);text-decoration:none}.outline{background:transparent;border-color:#d6e9f2}.hero-note{font-size:.85rem;color:#dce9ef;margin:22px 0 0;max-width:560px}.action-panel{background:white;color:var(--ink);border-radius:12px;box-shadow:0 12px 30px #0003;overflow:hidden}.action-panel h2{font-size:1.35rem;background:var(--blue);color:white;padding:22px 26px;margin:0}.action-panel>div{padding:26px}.action-panel .button{display:flex;width:100%;margin:12px 0}.blue{background:var(--blue)}.secondary{background:#edf5fa;border-color:#d1e0e9;color:var(--blue)}.panel-link{display:block;padding:12px 0;font-weight:600}.action-panel small{display:block;font-size:.8rem;color:var(--muted);margin-top:16px}.photo-credit{font-size:.72rem;color:var(--muted);padding-top:10px}.facts{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px;padding:28px 0;border-bottom:1px solid var(--line)}.facts strong{display:block;color:var(--blue)}.facts span{font-size:.85rem;color:var(--muted)}.section-space{padding-top:64px;padding-bottom:64px}.jump-links{gap:8px;margin-bottom:30px}.jump-links a{background:var(--pale);padding:8px 12px;border-radius:5px;font-size:.8rem}.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.guide-card{border:1px solid var(--line);padding:26px;border-radius:10px;min-width:0}.card-number{font-size:.85rem;color:var(--green);font-weight:700;display:block;margin-bottom:12px}.guide-card p{font-size:.92rem;color:var(--muted)}.useful-links{list-style:none;padding:0;margin:18px 0 0}.useful-links li+li{margin-top:10px}.useful-links a{font-weight:650;display:block;font-size:.88rem;overflow-wrap:anywhere}.budget-band{background:var(--pale);padding:55px 0}.budget-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}.small{font-size:.85rem;color:var(--muted)}.budget-panel{background:white;padding:28px;border-radius:10px;border:1px solid var(--line)}.input-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}label{display:block;font-size:.88rem;font-weight:600}input,select,textarea{width:100%;min-width:0;border:1px solid #a3b4c1;border-radius:5px;padding:12px;font:inherit;background:white;color:var(--ink);margin:6px 0 16px}output{display:block;margin-top:20px;font-size:1.3rem;font-weight:750;color:var(--blue)}.cta-band{background:var(--blue);color:white;padding:35px 0}.cta-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:28px}.cta-band h2{font-size:1.8rem;margin-bottom:8px}.cta-band p{margin:0}.faq{max-width:900px}.faq details{border-bottom:1px solid var(--line);padding:20px 0}.faq summary{cursor:pointer}.faq summary h3{display:inline;font-size:1.15rem}.faq details p{margin:18px 0}.sources{border-top:1px solid var(--line);padding:28px 0 40px}.sources h2{font-size:1.4rem}.sources p,.sources li{font-size:.85rem;color:var(--muted)}details summary{cursor:pointer}.contact{background:var(--navy);color:#fff;padding:50px 6%;display:grid;grid-template-columns:1fr 1fr;gap:65px}.contact a{color:white}.contact .button{background:var(--green)}.contact form{min-width:0}.contact form input,.contact form textarea,.contact form select{margin-bottom:16px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}.consent{display:flex;gap:12px;font-size:.8rem;font-weight:400;margin:12px 0 20px}.consent input{width:18px;min-width:18px;height:18px;margin:4px 0}.honeypot{position:absolute;left:-9999px}.privacy{padding:38px 6%;font-size:.8rem;color:var(--muted)}.privacy h2{font-size:1.2rem}footer{border-top:1px solid var(--line);padding:25px 6%;display:flex;justify-content:space-between;gap:22px;font-size:.8rem}footer .wordmark{font-weight:700}.button[disabled]{opacity:.6;cursor:default}
@media(max-width:960px){header{align-items:flex-start}nav{gap:14px}.hero-grid{gap:30px}.card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.budget-grid{gap:30px}}
@media(max-width:720px){.wrap{width:90%}.topbar .wrap{font-size:.7rem;gap:10px}header{display:block;padding:20px 0}header nav{margin-top:20px;gap:16px}header .nav-cta{width:100%;text-align:center}.hero-grid{grid-template-columns:1fr;padding:38px 0;gap:30px}h1{font-size:2.35rem}.hero-actions .button{width:100%}.facts{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.card-grid,.budget-grid,.contact{grid-template-columns:1fr}.section-space{padding-block:40px}.guide-card{padding:22px}.jump-links{gap:7px}.budget-band{padding:35px 0}.budget-panel{padding:22px}.input-grid,.form-row{grid-template-columns:1fr;gap:0}.cta-band .wrap{display:block}.cta-band .button{margin-top:22px;width:100%}.contact{padding:38px 5%;gap:30px}.privacy{padding:30px 5%}footer{flex-direction:column;padding:24px 5%;gap:12px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}