:root{--canvas:#F3EFE7;--panel:#FBF8F2;--ink:#13233A;--ink-2:#44536A;--line:#D9D2C4;--deep:#0F1C2E;--deep-2:#172A42;--teal:#2F8584;--gold:#D9A845;--gold-h:#E6BA5E;--on-deep:#F5F1E8;--on-deep-2:#B9C3CF;--serif:"Spectral",Georgia,serif;--sans:"Mona Sans",system-ui,sans-serif;--mono:"IBM Plex Mono",ui-monospace,monospace}
*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%}
body{background:var(--canvas);color:var(--ink);font:400 17px/1.65 var(--sans);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--teal)}
.wrap{max-width:1120px;margin:0 auto;padding:0 clamp(16px,5vw,48px)}
.narrow{max-width:760px}
.top{position:sticky;top:0;z-index:10;background:rgba(15,28,46,.96);backdrop-filter:blur(8px);color:var(--on-deep)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;color:var(--on-deep);text-decoration:none;font:400 20px/1 var(--serif)}
.logo svg{color:#B9C3CF}
.tnav{display:flex;align-items:center;gap:22px;font-size:15px}
.tnav a{color:var(--on-deep-2);text-decoration:none}.tnav a:hover{color:#fff}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:var(--deep)!important;font:600 15px/1 var(--sans);padding:13px 20px;border-radius:999px;text-decoration:none;transition:background .3s}
.btn:hover{background:var(--gold-h)}
@media (max-width:720px){.tnav .hide-s{display:none}}
.hero{background:var(--deep);color:var(--on-deep);padding:clamp(48px,8vw,96px) 0 clamp(44px,7vw,80px)}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);gap:clamp(28px,5vw,64px);align-items:center}
.hero.solo .wrap{grid-template-columns:1fr}
.crumb{font:500 12.5px/1 var(--mono);letter-spacing:.08em;text-transform:uppercase;color:var(--on-deep-2);margin-bottom:22px}
.crumb a{color:var(--on-deep-2);text-decoration:none}.crumb a:hover{color:var(--gold-h)}
h1{font:300 clamp(36px,5vw,62px)/1.05 var(--serif);letter-spacing:-.01em}
h1 em,h2 em{font-style:italic;color:var(--gold-h)}
.lead{margin-top:22px;font-size:clamp(17px,1.6vw,20px);color:var(--on-deep-2);max-width:620px}
.hero .ph{border-radius:20px;overflow:hidden;aspect-ratio:3/4;max-height:440px;justify-self:end;width:100%;max-width:330px;background:var(--deep-2)}
.hero .ph img{width:100%;height:100%;object-fit:cover}
@media (max-width:760px){.hero .wrap{grid-template-columns:1fr}.hero .ph{justify-self:start;max-width:none;aspect-ratio:16/10}}
main{padding:clamp(40px,6vw,72px) 0}
section+section{margin-top:clamp(40px,6vw,64px)}
.eyebrow{font:500 12.5px/1 var(--mono);letter-spacing:.1em;text-transform:uppercase;color:var(--teal);margin-bottom:14px}
h2{font:400 clamp(28px,3vw,40px)/1.12 var(--serif);margin-bottom:18px}
h3{font:500 21px/1.3 var(--serif);margin:28px 0 8px}
p+p{margin-top:14px}
.prose p,.prose li{color:var(--ink-2)}
.prose ul,.prose ol{margin:14px 0 0 22px}.prose li{margin:6px 0}
.prose strong{color:var(--ink);font-weight:600}
.prose h2{margin-top:40px}
.ticks{list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px}
.ticks li{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:16px 18px 16px 44px;position:relative;color:var(--ink)}
.ticks li::before{content:"";position:absolute;left:18px;top:24px;width:10px;height:10px;border-radius:50%;background:var(--gold)}
.note{background:var(--panel);border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:12px;padding:18px 20px;margin-top:20px;color:var(--ink-2);font-size:16px}
.qa details{border-top:1px solid var(--line);padding:4px 0}
.qa details:last-of-type{border-bottom:1px solid var(--line)}
.qa summary{list-style:none;cursor:pointer;padding:18px 40px 18px 0;font:500 19px/1.35 var(--serif);position:relative}
.qa summary::-webkit-details-marker{display:none}
.qa summary::after{content:"+";position:absolute;right:6px;top:14px;font:300 26px/1 var(--sans);color:var(--teal);transition:transform .3s}
.qa details[open] summary::after{transform:rotate(45deg)}
.qa details>div{padding:0 0 20px;color:var(--ink-2)}
.qa details>div p+p{margin-top:10px}
.cta{background:var(--deep);color:var(--on-deep);border-radius:22px;padding:clamp(28px,4vw,44px);display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px}
.cta h2{margin:0;font-size:clamp(26px,2.6vw,34px)}
.cta p{color:var(--on-deep-2);margin-top:8px}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chips a{display:inline-block;padding:10px 16px;border:1px solid var(--line);border-radius:999px;background:var(--panel);color:var(--ink);text-decoration:none;font-size:15px;transition:border-color .3s}
.chips a:hover{border-color:var(--gold)}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px}
.card{display:block;background:var(--panel);border:1px solid var(--line);border-radius:18px;padding:24px;text-decoration:none;color:var(--ink);transition:border-color .3s,transform .3s}
.card:hover{border-color:var(--gold);transform:translateY(-2px)}
.card h3{margin:0 0 8px;font-size:22px}
.card p{color:var(--ink-2);font-size:15.5px}
.card .go{display:inline-block;margin-top:14px;color:var(--teal);font-weight:600;font-size:15px}
.toc{font-size:15px;color:var(--ink-2)}.toc a{color:var(--ink-2)}
.small{font-size:14.5px;color:var(--ink-2)}
footer{background:var(--deep);color:#93A1B2;padding:64px 0;font-size:14.5px;border-top:1px solid rgba(185,195,207,.12)}
footer a{color:var(--on-deep);text-decoration:none;border-bottom:1px solid transparent;transition:border-color .3s,color .3s}
footer a:hover{color:#fff;border-bottom-color:var(--gold)}
footer .fgrid{display:grid;grid-template-columns:minmax(0,1.3fr) repeat(4,minmax(0,1fr));gap:clamp(24px,4vw,48px);margin-bottom:44px}
footer .fmark{display:flex;align-items:center;gap:12px;font:400 22px/1 var(--serif);color:var(--on-deep);margin-bottom:22px}
footer .fmark svg{color:#B9C3CF}
footer h4{font:600 11.5px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:#7D8B9C;margin-bottom:20px}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:12px;font-size:15px}
footer li.plain{color:#93A1B2}
footer .fsocial a{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border:1px solid rgba(185,195,207,.22);border-radius:6px;color:var(--on-deep)}
footer .fblurb{color:var(--on-deep);font-size:15.5px;line-height:1.6;margin-bottom:12px}
footer .disc{line-height:1.65;font-size:15px}
footer .fbot{display:flex;flex-wrap:wrap;gap:16px;justify-content:space-between;border-top:1px solid rgba(185,195,207,.16);margin-top:36px;padding-top:24px;font-size:14px}
@media (max-width:980px){footer .fgrid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){footer .fgrid{grid-template-columns:1fr}}
.pv{background:var(--gold);color:var(--deep);text-align:center;font:600 13px/1 var(--sans);padding:8px}
.ic{flex:none}
.ticks{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.ticks li{padding:16px 18px 16px 50px}
.ticks li::before{left:16px;top:16px;width:22px;height:22px;background:rgba(217,168,69,.18) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23B8862A' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4L18 8'/%3E%3C/svg%3E") center/14px no-repeat}
.ccards{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px}
.cc{background:var(--panel);border:1px solid var(--line);border-radius:16px;padding:20px}
.cch{display:flex;align-items:center;gap:10px;margin-bottom:10px;color:var(--teal)}
.cch b{color:var(--ink);font:500 18px/1.2 var(--serif)}
.cc p{font-size:15.5px;color:var(--ink-2);line-height:1.55}
.steps{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:6px 0 0}
.steps li{position:relative;background:var(--deep);color:var(--on-deep-2);border-radius:18px;padding:22px 20px;font-size:15px;line-height:1.5}
.steps .sn{display:inline-grid;place-items:center;width:46px;height:46px;border-radius:50%;background:rgba(217,168,69,.16);color:var(--gold-h);margin-bottom:14px}
.steps b{display:block;color:var(--on-deep);font:500 20px/1.2 var(--serif);margin-bottom:6px}
.steps li:not(:last-child)::after{content:"";position:absolute;right:-12px;top:44px;width:10px;height:10px;border-top:2px solid var(--gold);border-right:2px solid var(--gold);transform:rotate(45deg);z-index:1}
@media (max-width:720px){.steps{grid-template-columns:1fr}.steps li:not(:last-child)::after{right:auto;left:42px;top:auto;bottom:-12px;transform:rotate(135deg)}}
.fig{margin:26px 0 30px}
.fig figcaption{font-size:13.5px;color:var(--ink-2);margin-top:10px;font-style:italic}
.layers{display:grid;gap:8px;max-width:560px}
.ly{border-radius:14px;padding:16px 20px;display:flex;flex-direction:column;gap:2px}
.ly b{font:500 19px/1.2 var(--serif)}.ly span{font-size:14.5px}
.l1{background:var(--deep);color:var(--on-deep)}.l1 span{color:var(--on-deep-2)}
.l2{background:var(--teal);color:#fff;margin:0 22px}.l2 span{color:#DDF0EF}
.l3{background:var(--gold);color:var(--deep);margin:0 44px}
.yn,.two,.prep{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:640px){.yn,.two,.prep{grid-template-columns:1fr}}
.yn>div,.pc{background:var(--panel);border:1px solid var(--line);border-radius:16px;padding:20px}
.yn h3,.pc h3{display:flex;align-items:center;gap:8px;margin:0 0 10px;font-size:19px}
.yes h3{color:var(--teal)}.no h3{color:#B5543C}
.prose .fig ul{list-style:none;margin:0}.yn li{padding:8px 0;border-top:1px solid var(--line);font-size:15.5px;margin:0}
.bill{display:flex;border-radius:14px;overflow:hidden;min-height:78px;font:600 14.5px/1.2 var(--sans)}
.bill>div{display:flex;flex-direction:column;justify-content:center;padding:12px 14px}
.bill small{font-weight:400;font-size:12.5px;opacity:.85;margin-top:4px}
.b1{flex:1.3;background:var(--gold);color:var(--deep)}.b2{flex:1;background:#E9D3A1;color:var(--deep)}.b3{flex:4;background:var(--teal);color:#fff}
.tc{background:var(--panel);border:1px solid var(--line);border-radius:16px;padding:22px;display:flex;flex-direction:column;gap:8px;color:var(--teal)}
.tc b{color:var(--ink);font:500 21px/1.2 var(--serif)}.tc p{font-size:15.5px;color:var(--ink-2)}
.tag{display:inline-block;align-self:flex-start;border-radius:999px;padding:5px 11px;font:600 12.5px/1.2 var(--sans)}
.tag.g{background:rgba(47,133,132,.14);color:#226B6A}.tag.a{background:rgba(217,168,69,.22);color:#8A6216}
.letter{background:var(--deep);color:var(--on-deep);border-radius:16px;padding:22px}
.lh{display:flex;gap:10px;align-items:center;color:var(--gold-h);margin-bottom:12px}.lh b{color:var(--on-deep);font:500 19px/1.2 var(--serif)}
.prose ul.chk{display:grid;gap:10px}
ul.chk li{display:flex;gap:10px;align-items:flex-start;margin:0}
ul.chk .ic{color:var(--teal);margin-top:3px}
.letter ul.chk{grid-template-columns:1fr 1fr}.prose .letter ul.chk li{color:var(--on-deep)}.letter ul.chk .ic{color:var(--gold-h)}
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:16px;background:var(--panel)}
.tbl table{width:100%;border-collapse:collapse;font-size:15px;min-width:520px}
.tbl th{font:500 16px/1.25 var(--serif);text-align:left;padding:16px;border-bottom:1px solid var(--line)}
.tbl th small{font:400 12.5px var(--sans);color:var(--ink-2)}
.tbl td{padding:14px 16px;border-top:1px solid var(--line);color:var(--ink-2);vertical-align:top}
.qbar{display:flex;border-radius:14px;overflow:hidden;min-height:70px;font:600 13px/1.2 var(--sans)}
.qbar>div{display:flex;align-items:center;padding:10px;color:#fff;min-width:0;overflow-wrap:anywhere}
.q1{background:var(--deep)}.q2{background:var(--deep-2)}.q3{background:var(--teal)}.q4{background:#4FA09F}.q5{background:repeating-linear-gradient(45deg,#E9D3A1 0 8px,#F2E3BF 8px 16px);color:var(--deep)!important}
@media (max-width:560px){.qbar{flex-direction:column}.qbar>div{flex:none!important;padding:12px 14px}}
.jr{display:grid;grid-template-columns:repeat(5,1fr);gap:8px}
.js{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:14px 10px;text-align:center;display:flex;flex-direction:column;align-items:center;gap:8px;color:var(--teal)}
.js b{color:var(--ink);font:500 14.5px/1.25 var(--sans)}
.jb{display:grid;grid-template-columns:repeat(5,1fr);gap:8px;margin-top:8px;font:600 13px/1.25 var(--sans)}
.jb>div{border-radius:10px;padding:10px 12px}
.cb{background:rgba(217,168,69,.25);color:#7A5512;grid-row:1}.sb{background:rgba(47,133,132,.18);color:#1F6463;grid-row:2}
@media (max-width:640px){.jr{grid-template-columns:repeat(5,minmax(0,1fr));gap:4px}.js{padding:10px 4px}.js b{font-size:11.5px}.jb{grid-template-columns:1fr}.jb>div{grid-column:auto!important;grid-row:auto}}
.pc h3{color:var(--ink)}.pc h3 .ic{color:var(--teal)}
.pc ul.chk li{font-size:15.5px}.pc ul.chk b{color:var(--ink)}
.hero .gic{justify-self:end;width:min(300px,100%);aspect-ratio:1;border-radius:24px;background:var(--deep-2);display:grid;place-items:center;color:var(--gold-h)}
.hero .gic .ic{width:46%;height:46%;stroke-width:1.1}
@media (max-width:760px){.hero .gic{display:none}}
.card .cic{display:inline-grid;place-items:center;width:48px;height:48px;border-radius:12px;background:rgba(47,133,132,.12);color:var(--teal);margin-bottom:14px}
.steps{gap:56px!important}
.steps li:not(:last-child)::after{content:"\2192";right:-46px;top:50%;width:36px;height:36px;border:0!important;border-radius:50%;background:var(--gold);color:var(--deep);font:700 20px/36px var(--sans);text-align:center;transform:translateY(-50%)!important;box-shadow:0 6px 16px -6px rgba(15,28,46,.45)}
@media (max-width:720px){.steps{gap:52px!important}.steps li:not(:last-child)::after{content:"\2193";right:auto;left:50%;top:auto;bottom:-44px;transform:translateX(-50%)!important}}
.cc strong{color:var(--ink);font-weight:600;background:linear-gradient(transparent 62%,rgba(217,168,69,.28) 62%)}
.toc{margin-bottom:36px}
.ck{position:fixed;left:50%;bottom:20px;transform:translateX(-50%);z-index:250;width:min(560px,calc(100% - 32px));background:var(--deep);color:var(--on-deep-2);border:1px solid rgba(185,195,207,.18);border-radius:16px;padding:18px 20px;box-shadow:0 24px 60px -20px rgba(0,0,0,.6);display:flex;gap:16px;align-items:center;font-size:14px;line-height:1.5}
.ck[hidden]{display:none}.ck a{color:var(--on-deep)}.ck p{flex:1}.ck-b{display:flex;gap:8px}.ck .btn{padding:10px 16px;font-size:14px;border:0;cursor:pointer}
.btn-ghost-d{background:transparent!important;color:var(--on-deep)!important;border:1px solid rgba(185,195,207,.35)!important}
@media (max-width:560px){.ck{flex-direction:column;align-items:stretch}.ck-b .btn{flex:1;justify-content:center}}

/* WhatsApp: header + floating (31 Oct 2026) */
.wa-float{position:fixed;right:max(16px,env(safe-area-inset-right));bottom:max(16px,env(safe-area-inset-bottom));z-index:190;display:inline-flex;align-items:center;gap:10px;height:56px;padding:0 20px 0 16px;border-radius:999px;background:#25D366;color:#fff;font:600 15px/1 var(--sans);text-decoration:none;box-shadow:0 14px 32px -10px rgba(6,11,20,.55),0 0 0 1px rgba(6,11,20,.06);transition:transform .4s var(--e-out,ease),box-shadow .4s}.wa-float:hover{transform:translateY(-2px);box-shadow:0 18px 38px -10px rgba(6,11,20,.6)}.wa-float:focus-visible{outline:3px solid var(--gold,#D9A845);outline-offset:3px}.wa-float .wa-ic{width:26px;height:26px;flex:none}.ck:not([hidden])~.wa-float{display:none}.wa-float{transition:transform .4s,box-shadow .4s,opacity .35s}.wa-float.wa-off{opacity:0;pointer-events:none;transform:translateY(14px)}@media (max-width:720px){.wa-float{width:56px;padding:0;justify-content:center}.wa-float span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}}@media print{.wa-float{display:none}}.tnav .btn-chat{display:inline-flex;align-items:center;gap:8px;padding:10px 16px;border-radius:999px;border:1px solid rgba(245,241,232,.35);color:var(--on-deep);font-weight:600;font-size:14px;line-height:1}.tnav .btn-chat:hover{border-color:#fff;color:#fff}.tnav .btn-chat .wa-ic{width:16px;height:16px}.tnav a{white-space:nowrap}@media (max-width:720px){.tnav{gap:8px}.tnav .btn{padding:10px 14px;font-size:13px}.tnav .btn-chat{width:40px;height:40px;padding:0;justify-content:center}.tnav .btn-chat .ct{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}.tnav .btn-chat .wa-ic{width:18px;height:18px}}