*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:#49443f;font:16px/1.65 Arial,Helvetica,sans-serif}a{color:#245b91;text-underline-offset:4px}img{display:block;max-width:100%}h1,h2,h3{color:#302b26;line-height:1.12;letter-spacing:-.04em}h1{font-size:clamp(2.35rem,4.5vw,4rem);margin:0 0 24px}h2{font-size:2rem;margin:0 0 20px}h3{font-size:1.45rem;margin:0 0 14px}p{margin:0 0 20px}.wrap{width:min(1240px,100%);margin:auto;padding-inline:32px}header{background:#fff;border-bottom:1px solid #e5dfd5;position:sticky;top:0;z-index:10}.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:88px}.brand{display:flex;align-items:center;gap:10px;font-size:26px;letter-spacing:-1.4px;font-weight:800;color:#245b91;text-decoration:none}.brand-mark{display:grid;place-items:center;width:36px;height:36px;border-radius:11px;background:#245b91;color:#eff7ff}.brand-mark 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#4b382820;transform:rotate(2deg)}.visual-label{position:absolute;bottom:4px;left:-16px;display:flex;align-items:center;gap:17px;background:#fff;border-radius:14px;padding:18px 23px;box-shadow:0 15px 35px #4b382818;font-size:14px;line-height:1.5;color:#6a5b4e;transform:rotate(-2deg)}.visual-label .ui-icon{width:37px;height:37px;background:#e3edf7;border-radius:10px;padding:6px;color:#245b91}.visual-label strong{font-size:17px;color:#173d62}.essentials{background:#faf7f1;padding:28px 0;border-bottom:1px solid #e5dfd5}.essentials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.essential{display:flex;gap:16px;align-items:center}.icon-tile{display:grid;place-items:center;width:52px;height:52px;border-radius:14px;background:#e8f0f8;color:#245b91;flex-shrink:0}.essential .icon-tile{background:#e3edf7}.essential h2{font-size:17px;letter-spacing:-.02em;margin:0 0 5px}.essential p{font-size:13px;color:#756b60;margin:0;line-height:1.5}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:25px;margin-bottom:32px}.section-heading h2{font-size:34px;margin:0}.section-heading .eyebrow{margin-bottom:10px}.section-heading>a{font-size:14px;font-weight:750}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.card{padding:28px;border:1px solid #e5dfd5;border-radius:16px;background:#fff;overflow:hidden;transition:transform .2s,box-shadow .2s}.card:hover{transform:translateY(-4px);box-shadow:0 16px 32px #4b382812}.card p{font-size:16px;color:#74695f;line-height:1.65}.card a{font-weight:750;font-size:14px}.card h3 a{font-size:20px;color:#3a3028;text-decoration:none}.visual-card{padding:0}.card-content{padding:25px 28px 28px}.card-image{height:205px;width:100%;object-fit:cover}.compact-card{padding:0;background:#faf7f2}.compact-card .icon-tile{margin-bottom:24px}.guide-image{width:calc(100% + 56px);max-width:none;margin:-28px -28px 25px;height:185px;object-fit:cover}.cta{background:#183b5d;border-radius:22px;padding:0;overflow:hidden}.visual-cta{display:grid;grid-template-columns:1.1fr 1fr}.cta-content{padding:48px}.cta h2{color:white;font-size:34px}.cta p{color:#d7e5f1;max-width:500px}.cta .button{background:#245b91;color:#fffaf4!important}.cta-image{width:100%;height:100%;min-height:360px;object-fit:cover}.article{max-width:860px}.article h1{font-size:clamp(2.2rem,4vw,3.4rem)}.article h2{margin-top:36px;font-size:26px}.article li{margin:10px 0}.article-art{border-radius:16px;overflow:hidden;margin:30px 0 36px}.article-image{width:100%;height:250px;object-fit:cover;object-position:center 55%}.breadcrumbs{font-size:14px;margin-bottom:24px;color:#766b60}.breadcrumbs a{text-decoration:none}.tool{background:#faf7f1;border:1px solid #e5dfd5;border-radius:18px;padding:30px}.tool label{display:block;font-weight:750;margin:16px 0 7px}.tool input,.tool select{width:100%;padding:14px;border:1px solid #c1b4a4;border-radius:8px;background:#fff;color:#473b30;font:inherit}.tool button{margin-top:24px}.result{display:none;margin-top:25px;background:#e3edf7;padding:24px;border-radius:12px}.muted{color:#766b60}.pill{display:inline-block;background:#e8f0f8;color:#245b91;border-radius:99px;padding:6px 12px;font-size:13px;font-weight:700}footer{background:#122d47;color:#dce8f2;padding:45px 0;margin-top:20px}footer strong{font-size:24px;letter-spacing:-1px}footer p{margin:12px 0;font-size:14px}footer a{color:#fff}.disclosure{max-width:980px;font-size:13px;line-height:1.8;color:#bacddd}.skip-link{position:fixed;top:-100px;left:16px;z-index:30;background:white;padding:12px}.skip-link:focus{top:10px}.card>.icon-tile{margin-bottom:24px}
@media(max-width:1000px){.hero-layout{gap:28px}.hero-image{height:400px}.hero h1{font-size:3.5rem}.navlinks{gap:18px}.grid{gap:18px}.essentials-grid{gap:18px}.essential{gap:10px}.essential .icon-tile{width:42px;height:42px}.card-content{padding:23px}.cta-content{padding:35px}.visual-label{left:-8px}}
@media(max-width:760px){header{position:relative}.wrap{padding-inline:22px}.nav{padding-block:16px;min-height:0;flex-wrap:wrap;gap:16px}.navlinks{width:100%;justify-content:space-between;gap:10px}.navlinks .call{padding:10px 12px;font-size:13px}.navlinks .call .ui-icon{display:none}.hero{padding:40px 0 46px}.hero-layout{grid-template-columns:1fr;gap:22px}.hero h1{font-size:clamp(2.65rem,9vw,4rem)}.hero-visual{max-width:520px;width:100%;margin:auto}.hero-image{height:auto;aspect-ratio:1.25;transform:none;border-radius:18px}.visual-label{left:8px;bottom:6px}.hero .lead{font-size:17px}.hero-actions{gap:20px}.essentials-grid{grid-template-columns:1fr;gap:23px}.essential p{font-size:14px}.essentials{padding:28px 0}.grid{grid-template-columns:repeat(2,minmax(0,1fr))}.section-heading{align-items:start;flex-direction:column;gap:14px}.section-heading h2{font-size:30px}section{padding:48px 0}.card-image{height:180px}.visual-cta{grid-template-columns:1fr;width:calc(100% - 44px);padding:0}.cta-content{padding:30px}.cta h2{font-size:29px}.cta-image{min-height:0;max-height:300px;aspect-ratio:1.7}.article-image{height:210px}}
@media(max-width:480px){.grid{grid-template-columns:1fr}.card-image,.guide-image{height:220px}.brand{font-size:25px}.navlinks a{font-size:14px}.navlinks{flex-wrap:wrap}.navlinks .call{font-size:14px}.hero .eyebrow{font-size:11px}.hero-actions{align-items:flex-start;flex-direction:column}.hero-actions .button{width:100%}.hero-actions .text-link{align-self:center}.hero-note{text-align:center}.tool{padding:22px}.visual-label{padding:14px 18px}.article h1{overflow-wrap:anywhere}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Warm editorial direction */
body{background:#fffdf9}.hero h1{color:#332c25;font-family:Georgia,"Times New Roman",serif;font-weight:400;letter-spacing:-.048em;font-size:clamp(2.7rem,4.8vw,4.5rem)}.hero h1 span{color:#245b91}.hero .text-link{color:#245b91}.hero .button{color:#fffaf4!important}.hero-image{transform:none;box-shadow:none;border-radius:160px 160px 18px 18px;height:500px;object-position:50% 42%}.hero-visual{padding-top:0}.hero-layout{gap:60px;grid-template-columns:1.04fr 1fr}.visual-label{transform:none;border:1px solid #e5dfd5;box-shadow:0 12px 26px #4b382812;bottom:10px;left:-22px;background:#fffdf9}.brand{color:#173d62}.navlinks a{color:#51473d}.card{box-shadow:none;background:#fffdf9}.compact-card{background:#faf7f2}.card-image,.guide-image{object-position:center 40%}.card-image-0{object-position:50% 37%}.card-image-1{object-position:50% 38%}.card-image-2{object-position:50% 42%}.section-heading h2{font-family:Georgia,"Times New Roman",serif;font-weight:400;font-size:36px;letter-spacing:-.03em}.cta .button{background:#dcebf9;color:#173d62!important}.cta .button:hover{background:#eff7ff}.cta h2{font-family:Georgia,"Times New Roman",serif;font-weight:400;letter-spacing:-.02em}.cta-image{object-position:center 40%}.article-art{max-width:670px}.article-image{height:auto;aspect-ratio:2;object-position:center 38%}.guides-page .guide-image{height:205px}.hero .eyebrow{font-size:12px}.essentials{background:#f9f5ed}.hero-note{color:#716559}
@media(max-width:1000px){.hero-layout{gap:35px}.hero-image{height:440px}.hero h1{font-size:3.5rem}}
@media(max-width:760px){.hero-layout{grid-template-columns:1fr;gap:28px}.hero h1{font-size:clamp(2.8rem,9vw,4rem)}.hero-image{height:auto;aspect-ratio:1.1;border-radius:120px 120px 16px 16px}.visual-label{left:8px;bottom:7px}.section-heading h2{font-size:32px}.article-image{height:auto;aspect-ratio:1.6}}