:root{font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,sans-serif;color:#152b43;background:#f6f9fd}*{box-sizing:border-box}body{margin:0;line-height:1.7}a{color:#1459b7}a:hover{text-decoration-thickness:2px}.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:white;padding:1rem;z-index:5}.wrap{max-width:1120px;margin:auto;padding:0 22px}.top{background:#fff;border-bottom:1px solid #dae4f0}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:16px;padding-bottom:16px}.brand{font-weight:850;color:#173e70;text-decoration:none;font-size:1.15rem}.brand span{color:#0e92a2}.navlinks{display:flex;gap:16px;flex-wrap:wrap;font-size:.92rem}.hero{background:linear-gradient(125deg,#102f59,#145a82);color:white;padding:65px 0}.hero h1{font-size:clamp(2rem,4vw,3.5rem);line-height:1.13;max-width:850px;margin:12px 0}.hero p{max-width:720px;color:#dceefa}.eyebrow{font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;font-weight:750;color:#2acbd2}.hero .eyebrow{color:#8ef4ed}.btn{display:inline-block;background:#0c8f92;color:white;text-decoration:none;border-radius:10px;padding:12px 19px;font-weight:750;margin:8px 8px 8px 0}.btn:hover{background:#076d72;color:white}.btn.secondary{background:#eaf3ff;color:#154b80}.content{display:grid;grid-template-columns:minmax(0,1fr) 275px;gap:40px;padding-top:35px;padding-bottom:55px}.article{background:#fff;padding:clamp(20px,4vw,45px);border-radius:16px;border:1px solid #e1eaf3}.article h2{line-height:1.25;margin-top:32px;color:#143b67}.article h3{line-height:1.35;color:#173e70}.article p,.article li{max-width:75ch}.article li{margin:8px 0}.lead{font-size:1.17rem;color:#385571}.disclose,.note{background:#eaf5f7;border-left:4px solid #0c8f92;padding:14px 17px;border-radius:5px}.disclose{font-size:.9rem}.side{align-self:start;position:sticky;top:20px}.panel,.tile{background:#fff;border:1px solid #e0eaf4;border-radius:14px;padding:22px}.panel{margin-bottom:16px}.panel ul{padding-left:20px}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:24px 0}.tile h3{margin-top:0}.tile p{color:#526a7f}.crumb{font-size:.85rem;color:#64748b;margin-bottom:15px}.crumb a{color:#4a647d}.footer{background:#102f59;color:#dceefa;padding:32px 0}.footer a{color:#fff}.small{font-size:.85rem;color:#567087}.footer .small{color:#dceefa}.pill{font-size:.8rem;background:#e7f6f6;color:#076b71;border-radius:99px;padding:4px 10px;display:inline-block}.toc{background:#f4f8fc;border-radius:12px;padding:18px 22px}.toc a{display:block;margin:4px 0}.source{font-size:.9rem}.feature{background:#eff8fb;padding:20px;border-radius:12px;margin:25px 0}@media(max-width:820px){.content{grid-template-columns:1fr}.side{position:static}.grid{grid-template-columns:1fr 1fr}.nav{align-items:flex-start;flex-direction:column}.hero{padding:42px 0}}@media(max-width:520px){.grid{grid-template-columns:1fr}.article{padding:20px}.navlinks{gap:10px}}
/* Accessible navigation and conversion controls */
.top{position:sticky;top:0;z-index:50;box-shadow:0 3px 14px #102f5910}
.nav{min-height:74px}
.navlinks{align-items:center}
.header-cta{white-space:nowrap;background:#087d81;color:white!important;padding:9px 15px;border-radius:9px;text-decoration:none;font-weight:750}
.header-cta:hover{background:#075f65}
.menu-toggle{display:none;border:1px solid #b8c9db;background:white;border-radius:8px;padding:9px;cursor:pointer;color:#173e70}
.menu-toggle svg{width:23px;height:23px;display:block}
.menu-toggle:focus-visible,.header-cta:focus-visible,.btn:focus-visible,a:focus-visible{outline:3px solid #f6aa35;outline-offset:3px}
.side{position:static}
.mobile-cta{display:none}
.article h2,.article h3{scroll-margin-top:95px}
@media(max-width:820px){
.nav{flex-direction:row;align-items:center;flex-wrap:wrap;gap:9px;min-height:65px}
.brand{font-size:clamp(.8rem,2.8vw,1.12rem)}
.header-cta{margin-left:auto;font-size:.82rem;padding:8px 10px}
.menu-toggle{display:block}
.navlinks{display:none;order:5;width:100%;flex-direction:column;align-items:stretch;padding:10px 0}
.navlinks.is-open{display:flex}
.navlinks a{padding:9px 7px}
}
@media(max-width:420px){.brand{font-size:.79rem}.header-cta{font-size:.73rem;padding:7px}.menu-toggle{padding:6px}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;animation:none!important;transition:none!important}}