:root{--teal-900:#0c3a3e;--teal-700:#15585e;--teal-500:#1f8a8f;--teal-50:#eaf4f4;--gold-500:#c9a85c;--gold-300:#e2c98a;--cream:#f7f3ec;--ink-900:#142426;--ink-700:#3b5759;--ink-500:#6a8284;--ink-300:#a8b8b9;--line:#dfe6e6;--serif:'Fraunces',Georgia,serif;--sans:'Inter',system-ui,sans-serif}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink-900);background:#fff;font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--teal-700);text-decoration:none}a:hover{text-decoration:underline}
img{max-width:100%;height:auto;display:block}
.topbar{background:var(--teal-900);color:#fff;font-size:.78rem;padding:8px 0;text-align:center}.topbar a{color:var(--gold-300)}
nav.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30}
.nav-inner{max-width:1240px;margin:0 auto;padding:14px 24px;display:flex;align-items:center;justify-content:space-between}
.brand{display:flex;align-items:center;gap:12px;font-family:var(--serif);font-size:1.25rem;font-weight:600;color:var(--teal-900)}
.brand-logo{height:34px;width:auto}
.nav-links{display:flex;gap:28px;font-size:.92rem;color:var(--ink-700);font-weight:500}
@media(max-width:760px){.nav-links{display:none}}
.btn{display:inline-flex;align-items:center;gap:8px;padding:11px 18px;border-radius:999px;font-size:.88rem;font-weight:600;border:1.5px solid transparent;cursor:pointer;transition:.15s}
.btn-primary{background:var(--teal-700);color:#fff}.btn-primary:hover{background:var(--teal-900);color:#fff}
.btn-gold{background:var(--gold-500);color:var(--teal-900)}.btn-gold:hover{background:var(--gold-300)}
.article-header{background:var(--cream);padding:60px 24px 56px;border-bottom:1px solid var(--line)}
.article-header-inner{max-width:760px;margin:0 auto}
.crumbs{font-size:.84rem;color:var(--ink-500);margin-bottom:14px}.crumbs a{color:var(--ink-500)}.crumbs .sep{margin:0 8px}
.cat-tag{display:inline-block;background:var(--teal-900);color:#fff;font-size:.72rem;font-weight:600;padding:4px 12px;border-radius:99px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:18px}
h1.article-title{font-family:var(--serif);font-size:clamp(2rem,4vw,2.8rem);font-weight:500;line-height:1.18;letter-spacing:-.01em;color:var(--ink-900);margin-bottom:18px}
h1.article-title em{font-style:italic;color:var(--teal-700);font-weight:400}
.article-dek{font-size:1.1rem;color:var(--ink-700);line-height:1.55;margin-bottom:30px;font-weight:400}
.article-byline{display:flex;align-items:center;gap:14px;padding-top:18px;border-top:1px solid var(--line)}
.author-avatar{width:48px;height:48px;border-radius:50%;background:var(--teal-900);color:#fff;display:grid;place-items:center;font-weight:700;letter-spacing:.05em;font-size:.92rem}
.byline-meta{display:flex;flex-direction:column;gap:2px;font-size:.86rem}
.byline-meta strong{color:var(--ink-900);font-weight:600}
.read-row{color:var(--ink-500);font-size:.82rem;display:flex;gap:6px;align-items:center}.read-row .dot{opacity:.5}
.article-body{max-width:760px;margin:0 auto;padding:48px 24px 56px;font-size:1.08rem;line-height:1.72}
.article-body h2{font-family:var(--serif);font-weight:500;font-size:1.55rem;letter-spacing:-.005em;color:var(--ink-900);margin:38px 0 14px;line-height:1.25}
.article-body h3{font-family:var(--serif);font-weight:500;font-size:1.18rem;color:var(--ink-900);margin:28px 0 10px}
.article-body p{margin-bottom:18px;color:var(--ink-700)}
.article-body p strong{color:var(--ink-900);font-weight:600}
.article-body ul,.article-body ol{margin:14px 0 22px 22px;color:var(--ink-700)}
.article-body li{margin-bottom:8px}
.article-body table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.94rem;background:#fff;border:1px solid var(--line);border-radius:8px;overflow:hidden}
.article-body table th{background:var(--teal-50);color:var(--teal-900);font-weight:600;text-align:left;padding:11px 14px;border-bottom:1px solid var(--line)}
.article-body table td{padding:11px 14px;border-bottom:1px solid var(--line);color:var(--ink-700);vertical-align:top}
.article-body table tr:last-child td{border-bottom:none}
.callout{margin:28px 0;padding:22px 26px;background:var(--teal-50);border:1px solid #dcefef;border-radius:10px}
.callout strong{display:block;color:var(--teal-900);font-weight:600;margin-bottom:6px;font-size:.96rem}
.callout p{margin:0;color:var(--ink-700);font-size:.96rem}
.cta-card{max-width:760px;margin:50px auto 60px;padding:36px;background:linear-gradient(135deg,var(--teal-900) 0%,var(--teal-700) 100%);color:#fff;border-radius:14px;display:grid;grid-template-columns:1fr auto;gap:28px;align-items:center}
.cta-card h3{font-family:var(--serif);font-size:1.55rem;line-height:1.25;margin-bottom:8px;font-weight:600}
.cta-card p{font-size:.97rem;color:#cce0e0;line-height:1.55;margin:0}
.cta-card .btn{flex-shrink:0;white-space:nowrap}
@media(max-width:640px){.cta-card{grid-template-columns:1fr;text-align:left;padding:28px}}
.refs{max-width:760px;margin:48px auto;padding:0 24px;font-size:.92rem}
.refs h3{font-family:var(--serif);font-weight:500;font-size:1.15rem;color:var(--ink-900);margin-bottom:16px}
.refs ol{margin-left:20px;color:var(--ink-500)}
.refs li{margin-bottom:10px;line-height:1.5}
.refs a{color:var(--teal-700)}
.faq-section{max-width:760px;margin:48px auto 24px;padding:0 24px}
.faq-section h2{font-family:var(--serif);font-weight:500;font-size:1.55rem;margin-bottom:6px}
.faq-section .faq-sub{font-size:.94rem;color:var(--ink-500);margin-bottom:22px}
.faq{border:1px solid var(--line);border-radius:8px;padding:18px 22px;margin-bottom:10px;background:#fff}
.faq summary{font-weight:600;cursor:pointer;color:var(--teal-900);list-style-position:inside;font-size:.98rem}
.faq summary:hover{color:var(--teal-700)}
.faq .ans{padding:12px 0 4px;color:var(--ink-700);font-size:.96rem;line-height:1.65}
.disclaimer{max-width:760px;margin:40px auto;padding:0 24px;font-size:.86rem;color:var(--ink-500);font-style:italic;line-height:1.55}
footer.site{background:var(--teal-900);color:#9bb6b8;padding:48px 0 32px;margin-top:60px;font-size:.86rem}
footer.site .foot-inner{max-width:1240px;margin:0 auto;padding:0 24px;display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px}
footer.site h5{color:#fff;font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:14px}
footer.site ul{list-style:none;display:flex;flex-direction:column;gap:8px;font-size:.86rem;margin:0;padding:0}
footer.site a{color:#9bb6b8}footer.site a:hover{color:#fff}
footer.site .foot-bottom{max-width:1240px;margin:32px auto 0;padding:24px 24px 0;border-top:1px solid #1a3a3d;display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px;font-size:.78rem;color:#7a9598}
@media(max-width:760px){footer.site .foot-inner{grid-template-columns:1fr 1fr}}
@media(max-width:480px){footer.site .foot-inner{grid-template-columns:1fr}}
@media(max-width:680px){.nav-links{display:none}.article-header{padding:40px 20px 36px}.article-body{padding:32px 20px 40px;font-size:1.03rem}.article-body h2{font-size:1.4rem}}
.key-takeaways{max-width:760px;margin:32px auto 36px;padding:24px 28px;background:linear-gradient(180deg,#f1f8f8 0%,#eaf4f4 100%);border-left:4px solid var(--gold-500);border-radius:10px;color:var(--ink-900)}
.key-takeaways-h{font-family:var(--serif);font-size:1.18rem;font-weight:600;color:var(--teal-900);margin-bottom:14px}
.key-takeaways ul{margin:0;padding-left:0;list-style:none}
.key-takeaways li{position:relative;padding:0 0 12px 26px;line-height:1.55;font-size:.96rem;color:var(--ink-700)}
.key-takeaways li:before{content:"";position:absolute;left:6px;top:9px;width:8px;height:8px;background:var(--gold-500);border-radius:50%}
.key-takeaways li:last-child{padding-bottom:0}
.related-services{margin:50px auto 30px;max-width:760px;padding:0 24px}
.related-services-h{font-family:var(--serif);font-size:1.35rem;font-weight:600;color:var(--teal-900);margin-bottom:18px}
.related-services-grid{display:grid;grid-template-columns:1fr;gap:14px}
@media(min-width:640px){.related-services-grid{grid-template-columns:1fr 1fr}}
.related-service-card{display:block;padding:18px 22px;background:#fff;border:1px solid var(--line);border-radius:10px;text-decoration:none;color:var(--ink-900);transition:transform .15s,border-color .15s,box-shadow .15s}
.related-service-card:hover{transform:translateY(-2px);border-color:var(--teal-500);box-shadow:0 6px 18px rgba(12,58,62,.10)}
.related-service-card strong{display:block;margin-bottom:6px;color:var(--teal-700);font-size:1.02rem}
.related-service-card span{display:block;color:var(--ink-700);font-size:.9rem;line-height:1.5}


.sticky-bar{position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid #dfe6e6;padding:10px 16px;display:flex;align-items:center;justify-content:space-between;gap:10px;z-index:40;box-shadow:0 -2px 12px rgba(12,58,62,.08);font-family:'Inter',system-ui,sans-serif;transform:translateY(120%);transition:transform .25s ease-out}
.sticky-bar.visible{transform:translateY(0)}
.sticky-bar .sb-msg{font-size:.82rem;color:#3b5759;line-height:1.3;flex:1;min-width:0}
.sticky-bar .sb-msg strong{color:#0c3a3e;font-weight:600;display:block;font-size:.88rem;margin-bottom:1px}
.sticky-bar .sb-cta{display:flex;gap:6px;flex-shrink:0}
.sticky-bar .sb-btn{display:inline-flex;align-items:center;gap:5px;padding:8px 14px;border-radius:99px;font-size:.78rem;font-weight:600;text-decoration:none;white-space:nowrap;transition:.15s}
.sticky-bar .sb-btn-primary{background:#15585e;color:#fff}
.sticky-bar .sb-btn-primary:hover{background:#0c3a3e}
.sticky-bar .sb-btn-ghost{background:#fff;color:#0c3a3e;border:1.5px solid #0c3a3e}
.sticky-bar .sb-btn-ghost:hover{background:#0c3a3e;color:#fff}
@media (max-width:480px){.sticky-bar .sb-msg{display:none}.sticky-bar{justify-content:center}}
.back-to-top{position:fixed;bottom:80px;right:14px;width:42px;height:42px;background:#fff;border:1px solid #dfe6e6;border-radius:50%;display:none;align-items:center;justify-content:center;color:#0c3a3e;cursor:pointer;z-index:39;box-shadow:0 4px 12px rgba(12,58,62,.12);transition:transform .15s,background .15s}
.back-to-top.visible{display:flex}
.back-to-top:hover{background:#f7f3ec;transform:translateY(-2px)}
body{padding-bottom:64px}

.skip-link{position:absolute;left:-9999px;top:0;z-index:10000;background:#0c3a3e;color:#fff;padding:10px 16px;border-radius:0 0 8px 0;font-weight:600;text-decoration:none}
.skip-link:focus{left:0}