@layer base,layout,components,responsive;
@layer base {
:root{--navy:#272265;--deep:#17153d;--cyan:#04cece;--cyan-dark:#007f87;--ink:#22213e;--muted:#64647b;--paper:#f7f8fc;--line:#e5e7f0;--white:#fff;--radius:20px;--shadow:0 18px 50px #24215b0b}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;color:var(--ink);font-family:Inter,"Segoe UI",Arial,sans-serif;line-height:1.65;background:white}a{color:var(--navy);text-underline-offset:4px}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}img,svg{max-width:100%}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--cyan-dark);outline-offset:5px}input:focus,select:focus{outline:3px solid #04cece45;border-color:var(--cyan-dark)}h1,h2,h3,h4,p{margin-top:0}h1,h2,h3{color:var(--navy);letter-spacing:-.035em;line-height:1.12}h1{font-size:clamp(2.5rem,4.2vw,4.4rem);font-weight:780;margin-bottom:24px}h2{font-size:clamp(2rem,3.2vw,3rem);margin-bottom:20px}h3{font-size:1.35rem;margin-bottom:14px}p{margin-bottom:20px}ul,ol{padding-left:23px}li{margin-bottom:9px}small,.small{font-size:.8rem;line-height:1.6}button:disabled{opacity:.6}::selection{background:#b8f2f2}summary{cursor:pointer}hr{border:0;border-top:1px solid var(--line);margin:35px 0}.skip{position:fixed;top:-100px;left:20px;background:white;padding:12px;z-index:1000}.skip:focus{top:10px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}[hidden]{display:none!important}
}
@layer layout {
.container{width:min(1200px,calc(100% - 64px));margin:auto}.narrow{width:min(830px,calc(100% - 48px));margin:auto}.section{padding:86px 0}.section-soft{background:var(--paper)}.section-tint{background:#edfafa}.section-dark{background:var(--navy);color:#e5e4f5}.section-dark h2,.section-dark h3{color:white}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:35px;margin-bottom:36px}.section-heading>div{max-width:690px}.section-heading h2{margin-bottom:14px}.section-heading p{color:var(--muted);margin:0;max-width:640px}.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.stack{display:grid;gap:24px}.center{text-align:center}.muted{color:var(--muted)}.max-copy{max-width:660px}.eyebrow{display:flex;align-items:center;gap:10px;text-transform:uppercase;letter-spacing:.14em;font-size:.72rem;font-weight:750;color:var(--cyan-dark);margin-bottom:18px}.eyebrow:before{content:"";height:7px;width:7px;border-radius:100%;background:var(--cyan)}.center .eyebrow{justify-content:center}.section-dark .eyebrow{color:#98eeee}.breadcrumb{font-size:.78rem;color:var(--muted);padding:24px 0;display:flex;flex-wrap:wrap;gap:9px}.breadcrumb a{text-decoration:none}.page-top{background:linear-gradient(120deg,#f5f6ff,#eefafa);padding:42px 0 58px}.page-top h1{max-width:890px}.page-top .lead{max-width:740px}.lead{font-size:1.15rem;line-height:1.75;color:var(--muted)}.article-layout{display:grid;grid-template-columns:minmax(0,780px) 290px;gap:65px;align-items:start}.article h2{font-size:1.9rem;margin-top:44px}.article h3{font-size:1.3rem;margin-top:30px}.article p{font-size:1.025rem}.article li{line-height:1.8}.article .quote-card h3{margin-top:0}.article section{scroll-margin-top:120px}.article-aside{position:sticky;top:118px}.aside-box{background:var(--paper);padding:25px;border:1px solid var(--line);border-radius:16px;margin-bottom:22px}.aside-box h3{font-size:1.1rem}.aside-box ol{font-size:.83rem;padding-left:18px}.aside-box a{color:var(--muted);text-decoration:none}.aside-box a:hover{color:var(--cyan-dark)}.sources{font-size:.8rem}.sources a{overflow-wrap:anywhere}.article-meta{font-size:.82rem;color:var(--muted);display:flex;flex-wrap:wrap;gap:8px 18px}.article-meta a{font-weight:600}.summary-box{border-left:4px solid var(--cyan);background:#f0fafa;padding:24px 28px;margin-bottom:30px}.summary-box p:last-child{margin:0}.summary-box strong{color:var(--navy)}
}
@layer components {
.topline{background:var(--navy);color:#eeedfa;font-size:.73rem;padding:7px 0}.topline .container{display:flex;justify-content:space-between;gap:20px}.topline a{color:white;text-decoration:none}.header{background:#fffffff5;backdrop-filter:blur(12px);position:sticky;top:0;z-index:50;border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;min-height:89px;gap:25px}.brand{display:flex;align-items:center;gap:18px;text-decoration:none;flex-shrink:0}.brand-mark{display:grid;place-items:center;background:var(--navy);color:var(--cyan);width:47px;height:47px;border-radius:13px}.brand-mark svg{width:29px;height:29px}.brand-title{font-size:1.32rem;font-weight:800;letter-spacing:-.04em;color:var(--navy);line-height:1.1}.brand-title span{color:var(--cyan-dark)}.brand-sub{font-size:.6rem;letter-spacing:.08em;color:var(--muted);text-transform:uppercase;margin-top:5px}.brand-logo{height:39px;width:auto;object-fit:contain;border-left:1px solid var(--line);padding-left:18px}.nav-links{display:flex;align-items:center;gap:26px;font-size:.84rem;font-weight:600}.nav-links a{text-decoration:none}.nav-links a:hover{color:var(--cyan-dark)}.menu-toggle{display:none;border:1px solid var(--line);background:white;border-radius:8px;padding:8px 12px;color:var(--navy)}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;padding:14px 23px;min-height:48px;border-radius:9px;background:var(--navy);border:1px solid var(--navy);color:white;font-size:.9rem;font-weight:700;text-decoration:none;transition:transform .18s,background .18s;text-align:center}.button:hover{background:#393184;color:white;transform:translateY(-2px)}.button-cyan{background:var(--cyan);border-color:var(--cyan);color:var(--deep)}.button-cyan:hover{background:#72e8e6;color:var(--deep)}.button-outline{background:transparent;color:var(--navy);border-color:#cbcbdc}.button-outline:hover{background:#f3f3fa;color:var(--navy)}.button-white{background:white;border-color:white;color:var(--navy)}.button-small{padding:10px 16px;min-height:42px;font-size:.8rem}.button-block{width:100%}.button-row{display:flex;flex-wrap:wrap;gap:13px;margin:25px 0}.text-link{display:inline-flex;gap:9px;align-items:center;font-size:.88rem;font-weight:700;text-decoration:none}.text-link:after{content:"";width:8px;height:8px;border-top:1.6px solid currentColor;border-right:1.6px solid currentColor;transform:translateY(-1px)}.arrow{display:inline-block;vertical-align:middle;width:15px;height:15px;flex-shrink:0}.hero{padding:62px 0 56px;background:radial-gradient(ellipse at 2% 85%,#e4fbf8 0,transparent 49%),linear-gradient(115deg,#f8f9fe,#f2f3fc)}.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.04fr);gap:58px;align-items:center}.hero h1 span{color:var(--cyan-dark)}.hero .lead{max-width:510px}.hero .hero-subtitle{font-size:1.08rem;font-weight:750;color:var(--navy);margin-bottom:14px}.benefit-list{list-style:none;padding:0;margin:22px 0 30px;display:grid;gap:8px;font-size:.91rem}.benefit-list li{margin:0;display:flex;gap:10px;align-items:start}.benefit-list li:before{content:'✓';color:var(--cyan-dark);font-weight:800}.hero-note{font-size:.72rem;line-height:1.65;color:var(--muted);max-width:480px}.quick-facts{padding:25px 0;border-bottom:1px solid var(--line);background:white}.fact-row{display:grid;grid-template-columns:repeat(4,1fr)}.fact{padding:5px 28px;border-right:1px solid var(--line)}.fact:first-child{padding-left:0}.fact:last-child{border:0}.fact strong{display:block;font-size:1.6rem;color:var(--navy);line-height:1.2;font-weight:780;letter-spacing:-.035em}.fact span{display:block;font-size:.77rem;color:var(--muted);margin-top:7px}.fact-note{font-size:.69rem;color:var(--muted);margin:18px 0 0}.quote-card{background:white;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);color:var(--ink);scroll-margin-top:110px}.quote-head{padding:23px 27px 15px;border-bottom:1px solid var(--line)}.quote-head .eyebrow{margin-bottom:9px;font-size:.65rem}.quote-head h2,.quote-head h3{font-size:1.45rem;margin-bottom:8px;letter-spacing:-.03em}.quote-head p{font-size:.8rem;color:var(--muted);margin:0}.quote-tabs{display:flex;gap:8px;margin-top:16px}.quote-tab{border:1px solid var(--line);border-radius:6px;background:white;padding:7px 12px;font-size:.76rem;font-weight:700;color:var(--muted)}.quote-tab[aria-pressed=true]{background:var(--navy);border-color:var(--navy);color:white}.quote-frame{width:100%;height:580px;display:block;border:0;background:#f7f8fc}.quote-card.hero-quote .quote-frame{height:590px}.quote-footer{display:flex;justify-content:space-between;gap:18px;align-items:center;padding:13px 24px;background:#f8f9fc;font-size:.68rem;color:var(--muted);border-top:1px solid var(--line)}.quote-footer a{font-weight:650}.quote-section{padding:70px 0}.quote-section .split{gap:55px;grid-template-columns:.8fr 1.2fr}.card{background:white;border:1px solid var(--line);border-radius:16px;padding:29px;position:relative;transition:box-shadow .2s,transform .2s;display:flex;flex-direction:column}.card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}.card-icon{width:47px;height:47px;border-radius:12px;background:#f0f1fb;color:var(--navy);display:grid;place-items:center;margin-bottom:24px}.card-icon svg{width:25px;height:25px}.card h3 a{text-decoration:none}.card p{font-size:.88rem;color:var(--muted)}.card ul{font-size:.82rem;color:var(--muted);margin-top:0}.card .text-link{margin-top:auto}.card .tag{font-size:.64rem;text-transform:uppercase;letter-spacing:.07em;font-weight:700;color:var(--cyan-dark);margin-bottom:12px}.card.featured{border-color:#7ad8d9;background:#f3ffff}.card.featured .card-icon{background:var(--cyan);color:var(--navy)}.filters{display:flex;gap:9px;flex-wrap:wrap;margin:0 0 28px}.filter{border:1px solid var(--line);border-radius:100px;padding:9px 17px;color:var(--muted);background:white;font-size:.8rem}.filter[aria-pressed=true]{background:var(--navy);color:white;border-color:var(--navy)}.compare-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:16px;background:white}.compare{width:100%;border-collapse:collapse;min-width:700px;font-size:.86rem;text-align:left}.compare caption{font-size:.8rem;text-align:left;padding:17px 22px;background:#f6f7fc;color:var(--muted)}.compare th{color:var(--navy);padding:20px;border-bottom:1px solid var(--line);background:#f8f9fc}.compare td{padding:20px;border-bottom:1px solid var(--line);vertical-align:top}.compare tr:last-child td{border-bottom:0}.compare .hi{background:#effafa}.compare small{display:block;font-size:.72rem;color:var(--muted);margin-top:8px}.calculator{border:1px solid var(--line);border-radius:20px;overflow:hidden;background:white;display:grid;grid-template-columns:1.2fr .8fr;box-shadow:var(--shadow)}.calc-fields{padding:35px}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field label{display:block;font-size:.76rem;font-weight:700;color:var(--navy);margin-bottom:7px}.field input,.field select{width:100%;padding:11px 12px;background:white;border:1px solid #d8dbe8;border-radius:7px;min-width:0;color:var(--ink)}.field .hint{display:block;font-size:.69rem;color:var(--muted);margin-top:6px}.calc-results{background:var(--navy);color:white;padding:35px;display:flex;flex-direction:column;justify-content:center}.calc-results .eyebrow{color:#a6eff0}.calc-results h3{color:white;font-size:1.15rem}.calc-number{font-size:2.75rem;font-weight:780;letter-spacing:-.05em;line-height:1.2;margin-bottom:20px;overflow-wrap:anywhere}.calc-results dl{font-size:.78rem;margin:0 0 22px}.calc-results dl>div{display:flex;justify-content:space-between;gap:10px;padding:9px 0;border-bottom:1px solid #ffffff25}.calc-results dd{margin:0;text-align:right}.calc-results small{color:#cccae2;font-size:.71rem}.calc-error{color:#b02138;font-size:.8rem;margin:15px 0 0}.calc-assumption{font-size:.73rem;color:var(--muted);margin:19px 0 0}.calc-results .button{margin-top:22px}.steps{counter-reset:step;display:grid;grid-template-columns:repeat(3,1fr);gap:40px}.step{position:relative;padding-top:63px}.step:before{counter-increment:step;content:'0' counter(step);position:absolute;top:0;left:0;color:var(--cyan-dark);font-size:1.8rem;font-weight:800;letter-spacing:-.04em}.step p{font-size:.9rem;color:var(--muted)}.guide-card{border-top:3px solid var(--navy)}.guide-card .read-time{font-size:.7rem;color:var(--muted);margin-bottom:12px}.guide-card h3{font-size:1.28rem}.faq{border-top:1px solid var(--line)}.faq details{border-bottom:1px solid var(--line);padding:21px 0}.faq summary{font-size:1rem;font-weight:650;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:20px}.faq summary:after{content:'+';font-size:1.5rem;line-height:1}.faq details[open] summary:after{content:'−'}.faq details p{font-size:.93rem;color:var(--muted);margin:16px 35px 0 0}.callout{background:var(--navy);color:#d7d5ed;border-radius:24px;overflow:hidden;position:relative;padding:50px;display:flex;align-items:center;justify-content:space-between;gap:45px}.callout h2{color:white;font-size:2.2rem;max-width:620px}.callout p{margin:0;max-width:600px}.callout .button{white-space:nowrap}.footer{background:var(--deep);color:#c0bed6;padding:65px 0 28px}.footer a{color:#e7e5f4;text-decoration:none}.footer a:hover{color:var(--cyan)}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:35px}.footer h3{color:white;font-size:1rem;letter-spacing:0}.footer ul{list-style:none;padding:0;font-size:.79rem}.footer li{margin-bottom:10px}.footer-brand{font-size:1.5rem;color:white;font-weight:750;letter-spacing:-.05em}.footer-brand span{color:var(--cyan)}.footer p{font-size:.79rem;max-width:310px}.footer address{font-style:normal;font-size:.78rem}.legal-strip{border-top:1px solid #ffffff20;margin-top:38px;padding-top:25px;font-size:.67rem;line-height:1.75;color:#aaa7c9}.legal-strip p{max-width:none;font-size:inherit;margin-bottom:13px}.footer-bottom{display:flex;gap:20px;justify-content:space-between;font-size:.68rem;margin-top:25px}.mobile-bar{display:none}.stat-panel{border-radius:24px;background:var(--navy);color:white;padding:36px}.stat-panel h3{color:white}.stat-panel .metric{display:flex;align-items:baseline;justify-content:space-between;padding:17px 0;border-bottom:1px solid #ffffff20}.stat-panel .metric:last-of-type{border-bottom:0}.stat-panel strong{font-size:2rem;color:var(--cyan);letter-spacing:-.04em}.stat-panel span{font-size:.8rem;max-width:160px;text-align:right}.stat-panel small{color:#cbc9df;display:block;margin-top:20px}.pill{display:inline-block;background:#e9f9f9;color:var(--cyan-dark);font-size:.7rem;font-weight:700;padding:5px 10px;border-radius:100px;margin-bottom:14px}.program-intro{display:grid;grid-template-columns:1.05fr 1fr;gap:56px;align-items:center}.program-intro h1{font-size:3.2rem}.program-body{display:grid;grid-template-columns:1fr 1fr;gap:50px}.program-body p,.program-body li{color:var(--muted);font-size:.95rem}.benefit-panel{background:#f4f5fc;border-radius:18px;padding:30px}.status-dot{width:7px;height:7px;background:var(--cyan-dark);border-radius:50%;display:inline-block;margin-right:5px}.sitemap-list{columns:2;column-gap:40px}.sitemap-list li{break-inside:avoid}.privacy-note{padding:20px;background:#f5f6fb;border-radius:10px;font-size:.85rem}.proof-line{font-size:.78rem;color:var(--muted);display:flex;gap:22px;flex-wrap:wrap;margin-top:26px}.proof-line span{display:inline-flex;gap:6px;align-items:center}.logo-display{max-width:240px;height:auto;margin-bottom:25px}.support-box{border:1px solid var(--line);border-radius:16px;padding:30px}.support-box a{overflow-wrap:anywhere}.empty-state{padding:40px;text-align:center}.button:active{transform:translateY(0)}
}
@layer responsive {
@media(min-width:1500px){.hero{padding:80px 0}.hero-grid{gap:75px}}
@media(max-width:1120px){.brand-logo{display:none}.nav-links{gap:20px}.hero-grid{gap:35px}.hero h1{font-size:3.5rem}.article-layout{grid-template-columns:minmax(0,1fr) 250px;gap:36px}.split{gap:40px}.program-intro{gap:35px}.quote-section .split{gap:35px}}
@media(max-width:900px){.container{width:calc(100% - 40px)}.section{padding:60px 0}.hero{padding:40px 0}.hero-grid{grid-template-columns:1fr;gap:35px}.hero h1{max-width:700px;font-size:3.7rem}.hero .lead{max-width:650px}.hero-note{max-width:640px}.hero-quote{max-width:720px;width:100%;margin:auto}.quote-card.hero-quote .quote-frame{height:540px}.nav-links{gap:16px;font-size:.77rem}.nav-links .button{padding:10px 13px}.brand{gap:10px}.brand-mark{width:39px;height:39px}.brand-title{font-size:1.15rem}.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}.split,.quote-section .split,.program-intro{grid-template-columns:1fr;gap:30px}.quote-section .split>div:first-child{max-width:650px}.article-layout{display:block}.article-aside{display:none}.calculator{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.fact{padding:5px 18px}.fact strong{font-size:1.5rem}.program-intro h1{font-size:3rem}.callout{display:block}.callout .button{margin-top:22px}.section-heading{align-items:start}.program-body{gap:30px}}
@media(max-width:680px){html{scroll-padding-top:85px}.container{width:calc(100% - 32px)}.narrow{width:calc(100% - 36px)}.topline{font-size:.62rem}.topline .container{gap:10px}.topline .topline-label{display:none}.nav{min-height:72px;gap:12px}.brand-title{font-size:1.15rem}.brand-sub{font-size:.52rem}.brand-mark{width:38px;height:38px;border-radius:10px}.menu-toggle{display:block}.nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:white;padding:20px;box-shadow:0 20px 30px #17153d14;border-bottom:1px solid var(--line);font-size:.95rem;gap:20px;align-items:stretch;flex-direction:column}.nav-links.is-open{display:flex}.nav-links .button{padding:13px}.hero{padding:32px 0}.hero h1{font-size:2.8rem;letter-spacing:-.045em}.hero .lead{font-size:1rem}.hero .hero-subtitle{font-size:.96rem}.eyebrow{font-size:.65rem}.hero-note{font-size:.69rem}.hero-grid{gap:25px}.hero .button-row .button{padding:12px 15px;font-size:.8rem}.quote-head{padding:20px 18px 14px}.quote-head h2,.quote-head h3{font-size:1.3rem}.quote-footer{padding:12px 16px;gap:10px;font-size:.62rem;align-items:start}.quote-frame,.quote-card.hero-quote .quote-frame{height:600px}.quick-facts{padding:23px 0}.fact-row{grid-template-columns:1fr 1fr;row-gap:22px}.fact:nth-child(2){border:0}.fact:nth-child(3){padding-left:0}.fact strong{font-size:1.55rem}.fact span{font-size:.72rem}.fact-note{font-size:.64rem}.section{padding:52px 0}.section-heading{display:block;margin-bottom:26px}.section-heading>a{margin-top:15px}.section-heading h2{font-size:2.1rem}.grid-3,.grid-2{grid-template-columns:1fr}.card{padding:26px}.card-icon{margin-bottom:18px}.steps{grid-template-columns:1fr;gap:25px}.step{padding-top:0;padding-left:53px}.step:before{font-size:1.6rem}.step h3{font-size:1.2rem}.filters{gap:7px}.filter{font-size:.73rem;padding:8px 12px}.calculator{grid-template-columns:1fr}.calc-fields{padding:25px 20px}.calc-grid{gap:16px 12px}.calc-results{padding:28px 24px}.calc-number{font-size:2.8rem}.calc-results .button{align-self:start}.callout{padding:30px 24px;border-radius:17px}.callout h2{font-size:1.85rem}.callout p{font-size:.91rem}.quote-section{padding:50px 0}.footer{padding-top:45px;padding-bottom:110px}.footer-grid{gap:30px 25px}.footer-grid>div:first-child{grid-column:1/-1}.footer h3{font-size:.9rem}.footer ul{font-size:.75rem}.footer-bottom{display:block}.footer-bottom span{display:block;margin-top:12px}.mobile-bar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fffffff5;backdrop-filter:blur(12px);border-top:1px solid var(--line);padding:10px 14px calc(10px + env(safe-area-inset-bottom));gap:9px;box-shadow:0 -5px 30px #17153d0a}.mobile-bar a{flex:1;min-height:44px;padding:10px;font-size:.8rem}.page-top{padding:20px 0 35px}.page-top h1,.program-intro h1{font-size:2.35rem}.page-top .lead{font-size:1rem}.breadcrumb{padding:19px 0;font-size:.7rem}.article h2{font-size:1.65rem}.article p{font-size:.96rem}.summary-box{padding:20px}.article-meta{font-size:.72rem}.program-body{grid-template-columns:1fr}.proof-line{gap:10px 15px;font-size:.7rem}.sitemap-list{columns:1}.stat-panel{padding:26px}.support-box{padding:24px}.faq summary{font-size:.92rem}.faq details p{font-size:.87rem}.brand-logo{display:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
@media print{.header,.topline,.mobile-bar,.quote-card,.footer,.article-aside,.button-row,.filters{display:none!important}body{font-size:11pt}.container,.narrow{width:100%}.section{padding:20px 0}.article-layout{display:block}.page-top{background:none}.calculator{break-inside:avoid}.calc-results{color:black;background:#eee}.calc-results h3,.calc-results small{color:black}.calc-number{font-size:24pt}a{color:black}.card{break-inside:avoid}}
}