*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}:root{--navy:#1B3A5C;--navy-dark:#122845;--navy-light:#24507E;--gold:#C9A84C;--gold-light:#E8C96A;--blue:#2E75B6;--cream:#F7F3EC;--cream-alt:#F0EAD6;--white:#ffffff;--muted:rgba(27,58,92,0.68);--max:1040px;--max-prose:760px;--font-serif:'Cormorant Garamond',Georgia,serif;--font-sans:'DM Sans',system-ui,sans-serif;--radius:6px;--radius-lg:12px}html{scroll-behavior:smooth;overflow-x:hidden}body{font-family:var(--font-sans);font-size:17px;font-weight:400;line-height:1.7;color:var(--navy);background:var(--cream);-webkit-font-smoothing:antialiased;overflow-x:hidden}img{max-width:100%;height:auto;display:block}a{color:inherit;text-decoration:none}ul{list-style:none}.skip-link{position:absolute;top:-100%;left:1rem;background:var(--gold);color:var(--navy-dark);padding:0.5rem 1rem;border-radius:4px;font-weight:500;z-index:999;transition:top 0.2s}.skip-link:focus{top:1rem}.container{max-width:var(--max);margin-inline:auto;padding-inline:clamp(1rem,5vw,2.5rem)}.container--prose{max-width:var(--max-prose);margin-inline:auto;padding-inline:clamp(1rem,5vw,2.5rem)}.site-nav{background:var(--navy-dark);position:sticky;top:0;z-index:100;transition:box-shadow 0.3s}.site-nav.scrolled{box-shadow:0 2px 20px rgba(0,0,0,0.25)}.nav-inner{display:flex;align-items:center;justify-content:space-between;height:64px;max-width:var(--max);margin-inline:auto;padding-inline:clamp(1rem,5vw,2.5rem)}.logo{display:flex;align-items:center;gap:10px}.logo svg{transition:transform 0.4s cubic-bezier(0.34,1.56,0.64,1)}.logo:hover svg{transform:rotate(10deg) scale(1.08)}.logo-text{font-size:18px;font-weight:600;color:var(--white);letter-spacing:0.04em}.logo-text span{color:var(--gold)}.nav-links{display:flex;align-items:center;gap:clamp(1rem,3vw,1.75rem)}.nav-links a{font-size:16px;color:rgba(255,255,255,0.72);transition:color 0.2s;white-space:nowrap}.nav-links a:hover,.nav-links a.active{color:var(--gold-light)}.nav-cta{background:var(--gold)!important;color:var(--navy-dark)!important;padding:8px 20px;border-radius:4px;font-weight:500!important;transition:background 0.2s!important;animation:goldPulse 3s ease 2s infinite}.nav-cta:hover{background:var(--gold-light)!important}.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}.nav-toggle span{display:block;width:24px;height:2px;background:rgba(255,255,255,0.8);border-radius:2px;transition:transform 0.25s,opacity 0.25s}.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}.nav-toggle.open span:nth-child(2){opacity:0}.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.breadcrumb{background:var(--white);border-bottom:1px solid rgba(27,58,92,0.08);padding:0.75rem 0}.bc-inner{display:flex;gap:0.5rem;align-items:center;flex-wrap:wrap;font-size:14px;color:var(--muted)}.bc-inner a{color:var(--muted);transition:color 0.2s}.bc-inner a:hover{color:var(--navy)}.bc-sep{opacity:0.4}.hero{background:var(--navy-dark);padding:clamp(4rem,9vw,7rem) 0 clamp(3.5rem,7vw,6rem);position:relative;overflow:hidden}.hero::before{content:'';position:absolute;top:-80px;right:-100px;width:min(520px,85vw);height:min(520px,85vw);border-radius:50%;border:1px solid rgba(201,168,76,0.08);pointer-events:none}.hero::after{content:'';position:absolute;top:40px;right:-20px;width:min(370px,65vw);height:min(370px,65vw);border-radius:50%;border:1px solid rgba(201,168,76,0.05);pointer-events:none}.hero-inner{max-width:var(--max);margin-inline:auto;padding-inline:clamp(1rem,5vw,2.5rem);position:relative;z-index:2;display:grid;grid-template-columns:1fr auto;gap:clamp(2rem,5vw,4rem);align-items:center}.hero-inner--centered{grid-template-columns:1fr}.hero-text{min-width:0}.hero-img-wrap{flex-shrink:0;width:clamp(260px,38vw,460px);border-radius:var(--radius-lg);overflow:hidden;box-shadow:0 24px 60px rgba(0,0,0,0.35);position:relative}.hero-img-wrap img{width:100%;aspect-ratio:4/3;object-fit:cover}.hero-img-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(18,40,69,0.1) 0%,transparent 60%)}.eyebrow{display:inline-block;font-size:13px;font-weight:500;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);border:1px solid rgba(201,168,76,0.35);padding:5px 14px;border-radius:2px;margin-bottom:1.75rem}.hero h1{font-family:var(--font-serif);font-size:clamp(2.2rem,5.5vw,3.8rem);font-weight:500;line-height:1.15;color:var(--white);margin-bottom:1.25rem;letter-spacing:-0.01em}.hero h1 em{color:var(--gold);font-style:italic}.hero-sub{font-size:clamp(15px,2vw,17px);color:rgba(255,255,255,0.7);max-width:600px;margin-bottom:2rem;font-weight:300;line-height:1.75}.hero-actions{display:flex;flex-wrap:wrap;gap:0.875rem;margin-bottom:clamp(2rem,4vw,3rem)}.hero-trust{padding-top:2rem;border-top:1px solid rgba(255,255,255,0.1);display:flex;flex-wrap:wrap;gap:1.25rem 2.5rem}.trust-item{display:flex;align-items:center;gap:8px;font-size:15px;color:rgba(255,255,255,0.58)}.trust-dot{width:5px;height:5px;border-radius:50%;background:var(--gold);flex-shrink:0;animation:goldPulse 2.5s ease infinite}.markets-strip{background:var(--white);border-bottom:1px solid rgba(27,58,92,0.08);padding:1.1rem 0}.markets-inner{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:1rem 2.5rem}.market-flag{display:flex;align-items:center;gap:6px;font-size:15px;font-weight:500;color:var(--navy)}.product-strip{background:var(--white);border-bottom:1px solid rgba(27,58,92,0.08);padding:1.1rem 0}.strip-inner{max-width:var(--max);margin-inline:auto;padding-inline:clamp(1rem,5vw,2.5rem);display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:0.75rem 1.75rem}.strip-label{font-size:13px;font-weight:500;letter-spacing:0.1em;text-transform:uppercase;color:var(--muted);white-space:nowrap}.strip-tag{font-size:15px;color:var(--navy);display:flex;align-items:center;gap:6px}.strip-tag::before{content:'';width:4px;height:4px;border-radius:50%;background:var(--gold);flex-shrink:0}.inci-tag{font-size:14px;font-weight:400;color:var(--navy);display:flex;align-items:center;gap:6px}.inci-tag::before{content:'';width:4px;height:4px;border-radius:50%;background:var(--gold);flex-shrink:0}.inci-tag span{font-size:10px;color:var(--muted);font-style:italic}.btn-primary{display:inline-block;background:var(--gold);color:var(--navy-dark);padding:13px 30px;border-radius:4px;font-size:16px;font-weight:500;position:relative;overflow:hidden;transition:background 0.2s,transform 0.15s;white-space:nowrap}.btn-primary::after{content:'';position:absolute;inset:0;background:rgba(255,255,255,0.15);transform:translateX(-100%);transition:transform 0.3s ease}.btn-primary:hover{background:var(--gold-light);transform:translateY(-1px)}.btn-primary:hover::after{transform:translateX(0)}.btn-ghost{display:inline-block;color:rgba(255,255,255,0.78);padding:13px 30px;border-radius:4px;font-size:16px;border:1px solid rgba(255,255,255,0.22);transition:border-color 0.2s,color 0.2s;white-space:nowrap}.btn-ghost:hover{border-color:var(--gold);color:var(--gold-light)}.btn-dark{display:inline-block;background:var(--navy-dark);color:var(--white);padding:14px 36px;border-radius:4px;font-size:16px;font-weight:500;transition:background 0.2s,transform 0.15s}.btn-dark:hover{background:var(--navy);transform:translateY(-1px)}.btn-outline{display:inline-block;color:var(--navy);padding:10px 22px;border:1px solid rgba(27,58,92,0.2);border-radius:4px;font-size:16px;font-weight:500;transition:border-color 0.2s,color 0.2s}.btn-outline:hover{border-color:var(--gold);color:var(--navy-dark)}.section{padding:clamp(3.5rem,8vw,5.5rem) 0}.section--white{background:var(--white)}.section--cream{background:var(--cream)}.section--alt{background:var(--cream-alt)}.section--dark{background:var(--navy-dark)}.section-eyebrow{display:block;font-size:13px;font-weight:500;letter-spacing:0.13em;text-transform:uppercase;color:var(--gold);margin-bottom:0.75rem}.section-title{font-family:var(--font-serif);font-size:clamp(1.9rem,4vw,2.7rem);font-weight:500;color:var(--navy-dark);line-height:1.2;margin-bottom:1rem;position:relative;display:inline-block}.section-title::after{content:'';position:absolute;bottom:-6px;left:0;width:0;height:2px;background:var(--gold);transition:width 0.5s cubic-bezier(0.22,1,0.36,1)}.reveal.visible .section-title::after{width:48px}.section-title--dark{color:var(--white)}.section-sub{font-size:18px;color:var(--muted);max-width:560px;font-weight:300;margin-bottom:clamp(2rem,4vw,3rem)}.section-sub--dark{color:rgba(255,255,255,0.6)}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,4rem);align-items:start}.grid-3{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(260px,100%),1fr));gap:1.25rem}.grid-4{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr));gap:1.25rem}.grid-2-text p{font-size:17px;color:var(--navy);font-weight:300;line-height:1.8;margin-bottom:1rem}.grid-2-text p:last-child{margin-bottom:0}.grid-2-text strong{font-weight:500;color:var(--navy-dark)}.grid-cards{display:flex;flex-direction:column;gap:1rem}.niche-card{background:var(--cream);border:1px solid rgba(27,58,92,0.1);border-radius:var(--radius);padding:clamp(1.25rem,3vw,1.75rem);position:relative;overflow:hidden;transition:border-color 0.2s,transform 0.2s,box-shadow 0.2s}.niche-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--gold)}.niche-card:hover{border-color:var(--gold);transform:translateY(-4px);box-shadow:0 12px 32px rgba(27,58,92,0.1)}.niche-icon{font-size:26px;margin-bottom:0.875rem;display:block}.niche-card h3{font-family:var(--font-serif);font-size:1.3rem;font-weight:600;color:var(--navy-dark);margin-bottom:0.5rem}.niche-card p{font-size:16px;color:var(--muted);font-weight:300;line-height:1.7;margin-bottom:1rem}.svc-card{background:var(--white);border:1px solid rgba(27,58,92,0.1);border-radius:var(--radius);padding:clamp(1.25rem,3vw,1.75rem);transition:transform 0.25s,box-shadow 0.25s}.svc-card:hover{transform:translateY(-4px);box-shadow:0 10px 28px rgba(27,58,92,0.09)}.svc-num{font-family:var(--font-serif);font-size:2.2rem;font-weight:400;color:rgba(201,168,76,0.25);line-height:1;margin-bottom:0.4rem;transition:color 0.2s}.svc-card:hover .svc-num{color:rgba(201,168,76,0.5)}.svc-card h3{font-size:16px;font-weight:600;color:var(--navy-dark);margin-bottom:0.5rem}.svc-card p{font-size:15px;color:var(--muted);font-weight:300;line-height:1.65;margin-bottom:0.875rem}.type-card{background:var(--white);border:1px solid rgba(27,58,92,0.1);border-radius:var(--radius);padding:clamp(1.25rem,3vw,1.75rem);transition:transform 0.25s,box-shadow 0.25s}.type-card:hover{transform:translateY(-4px);box-shadow:0 10px 28px rgba(27,58,92,0.1)}.type-icon{font-size:24px;margin-bottom:0.875rem;display:block}.type-card h3{font-size:16px;font-weight:600;color:var(--navy-dark);margin-bottom:0.4rem}.type-card p{font-size:15px;color:var(--muted);font-weight:300;line-height:1.65;margin-bottom:0.875rem}.insight-card{background:var(--cream);border:1px solid rgba(27,58,92,0.1);border-left:3px solid var(--gold);border-radius:0 4px 4px 0;padding:1.125rem 1.375rem;transition:transform 0.2s,box-shadow 0.2s}.insight-card:hover{transform:translateX(4px);box-shadow:-4px 0 12px rgba(201,168,76,0.15)}.insight-card h4{font-size:15px;font-weight:600;color:var(--navy-dark);margin-bottom:0.3rem;text-transform:uppercase;letter-spacing:0.04em}.insight-card p{font-size:15px;color:var(--muted);font-weight:300;line-height:1.65;margin:0}.comp-card{background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08);border-radius:var(--radius);padding:1.5rem;transition:background 0.2s}.comp-card:hover{background:rgba(255,255,255,0.07)}.comp-flag{font-size:20px;margin-bottom:0.6rem;display:block}.comp-card h4{font-size:15px;font-weight:600;color:var(--white);margin-bottom:0.35rem}.comp-card p{font-size:14px;color:rgba(255,255,255,0.48);font-weight:300;line-height:1.65;margin-bottom:0.75rem}.comp-badge{display:inline-block;font-size:10px;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--gold);border:1px solid rgba(201,168,76,0.3);padding:2px 8px;border-radius:2px}.why-item{padding-left:1.125rem;border-left:2px solid var(--gold);transition:padding-left 0.2s}.why-item:hover{padding-left:1.5rem}.why-item h4{font-size:16px;font-weight:600;color:var(--navy-dark);margin-bottom:0.35rem}.why-item p{font-size:15px;color:var(--muted);font-weight:300;line-height:1.7}.testimonial-card{background:var(--white);border:1px solid rgba(27,58,92,0.08);border-radius:var(--radius);padding:clamp(1.25rem,3vw,1.75rem);transition:transform 0.25s,box-shadow 0.25s}.testimonial-card:hover{transform:translateY(-4px);box-shadow:0 10px 28px rgba(27,58,92,0.1)}.stars{color:var(--gold);font-size:15px;letter-spacing:2px;margin-bottom:0.75rem}.testimonial-card blockquote{font-family:var(--font-serif);font-size:1.05rem;font-style:italic;color:var(--navy);line-height:1.7;margin-bottom:1rem}.t-author{font-size:14px;font-weight:500;color:var(--muted);text-transform:uppercase;letter-spacing:0.06em}.t-placeholder{font-size:13px;color:rgba(27,58,92,0.3);font-style:italic;margin-top:3px}.tag-list{display:flex;flex-wrap:wrap;gap:5px}.tag{font-size:13px;font-weight:500;padding:3px 10px;border-radius:20px;background:rgba(27,58,92,0.07);color:var(--navy)}.chip-list{display:flex;flex-wrap:wrap;gap:5px}.chip{font-size:10px;font-weight:500;padding:2px 8px;border-radius:2px;background:rgba(46,117,182,0.1);color:var(--blue);text-transform:uppercase;letter-spacing:0.03em}.rules-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem;margin-bottom:1.5rem}.rules-col{border-radius:var(--radius);padding:1.5rem}.rules-col.permitted{background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08)}.rules-col.prohibited{background:rgba(200,50,50,0.08);border:1px solid rgba(200,50,50,0.2)}.rules-col h4{font-size:14px;font-weight:600;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:1rem}.rules-col.permitted h4{color:rgba(100,220,150,0.8)}.rules-col.prohibited h4{color:rgba(255,120,100,0.8)}.rules-col ul li{font-size:15px;color:rgba(255,255,255,0.6);font-weight:300;padding:0.4rem 0;border-bottom:1px solid rgba(255,255,255,0.05);display:flex;gap:0.5rem;align-items:flex-start;line-height:1.5}.rules-col ul li:last-child{border-bottom:none}.rules-col.permitted li::before{content:'✓';color:rgba(100,220,150,0.7);font-size:14px;flex-shrink:0;margin-top:1px}.rules-col.prohibited li::before{content:'✗';color:rgba(255,120,100,0.7);font-size:14px;flex-shrink:0;margin-top:1px}.info-box{background:rgba(201,168,76,0.08);border:1px solid rgba(201,168,76,0.2);border-radius:var(--radius);padding:1.25rem 1.5rem}.info-box p{font-size:15px;color:rgba(255,255,255,0.65);font-weight:300;line-height:1.7;margin:0}.info-box strong{color:var(--gold);font-weight:500}.info-box a{color:var(--gold)}.info-box--light{background:var(--white);border:1px solid rgba(27,58,92,0.1);border-left:3px solid var(--gold);border-radius:0 4px 4px 0}.info-box--light p{color:var(--muted)}.info-box--light strong{color:var(--navy-dark)}.warn-box{background:rgba(255,153,0,0.08);border:1px solid rgba(255,153,0,0.2);border-radius:var(--radius);padding:1.25rem 1.5rem;display:flex;gap:1rem;align-items:flex-start}.warn-box p{font-size:15px;color:rgba(255,255,255,0.65);font-weight:300;line-height:1.7;margin:0}.warn-box strong{color:rgba(255,200,100,0.9);font-weight:500}.warn-icon{font-size:18px;flex-shrink:0;margin-top:2px}.disclaimer-box{background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.1);border-radius:var(--radius);padding:1.25rem 1.5rem}.disclaimer-box p{font-size:14px;color:rgba(255,255,255,0.45);font-style:italic;line-height:1.7;margin:0}.sample-block{background:var(--cream);border:1px solid rgba(27,58,92,0.1);border-radius:var(--radius);overflow:hidden}.sample-header{background:var(--navy);padding:1rem 1.5rem;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:0.5rem}.sample-header h4{font-size:15px;font-weight:500;color:var(--white)}.sample-tags{display:flex;gap:6px;flex-wrap:wrap}.stag{font-size:10px;font-weight:500;padding:2px 8px;border-radius:2px;text-transform:uppercase;letter-spacing:0.04em}.stag-platform{background:rgba(201,168,76,0.2);color:var(--gold)}.stag-market{background:rgba(255,255,255,0.1);color:rgba(255,255,255,0.7)}.sample-body{padding:1.5rem}.sample-body p{font-size:16px;color:var(--navy);font-weight:300;line-height:1.8;margin-bottom:0.875rem}.sample-body ul li{font-size:16px;color:var(--navy);font-weight:300;padding:0.3rem 0 0.3rem 1.25rem;position:relative;line-height:1.65}.sample-body ul li::before{content:'—';position:absolute;left:0;color:var(--gold)}.sample-body .disclaimer{font-size:14px;color:var(--muted);font-style:italic}.sample-note{padding:1rem 1.5rem;border-top:1px solid rgba(27,58,92,0.1);background:rgba(27,58,92,0.03)}.sample-note p{font-size:14px;color:var(--muted);font-style:italic;margin:0}.faq-list{border:1px solid rgba(27,58,92,0.1);border-radius:var(--radius);overflow:hidden}.faq-item{background:var(--white);border-bottom:1px solid rgba(27,58,92,0.08)}.faq-item:last-child{border-bottom:none}.faq-q{width:100%;background:none;border:none;padding:1.25rem 1.5rem;text-align:left;font-family:var(--font-sans);font-size:16px;font-weight:500;color:var(--navy-dark);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem;transition:background 0.15s}.faq-q:hover{background:var(--cream)}.faq-icon{flex-shrink:0;width:20px;height:20px;border:1px solid rgba(27,58,92,0.2);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:16px;color:var(--gold);transition:transform 0.25s}.faq-item.open .faq-icon{transform:rotate(45deg)}.faq-a{max-height:0;overflow:hidden;transition:max-height 0.3s ease}.faq-a-inner{padding:0 1.5rem 1.25rem;font-size:16px;color:var(--muted);font-weight:300;line-height:1.75}.faq-a-inner a{color:var(--blue);text-decoration:underline}.contact-form{background:var(--white);border:1px solid rgba(27,58,92,0.1);border-radius:var(--radius-lg);padding:clamp(1.5rem,4vw,2.5rem)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem}.form-group{display:flex;flex-direction:column;gap:0.4rem}.form-group.full{grid-column:1 / -1}.form-group label{font-size:15px;font-weight:500;color:var(--navy-dark)}.form-group input,.form-group select,.form-group textarea{border:1px solid rgba(27,58,92,0.2);border-radius:4px;padding:10px 14px;font-family:var(--font-sans);font-size:16px;color:var(--navy);background:var(--cream);transition:border-color 0.2s,box-shadow 0.2s;width:100%}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,168,76,0.12)}.form-group textarea{resize:vertical;min-height:120px}.form-hint{font-size:13px;color:var(--muted)}.btn-submit{display:inline-block;background:var(--gold);color:var(--navy-dark);padding:13px 36px;border-radius:4px;font-size:16px;font-weight:500;border:none;cursor:pointer;font-family:var(--font-sans);transition:background 0.2s,transform 0.15s}.btn-submit:hover{background:var(--gold-light);transform:translateY(-1px)}.blog-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(300px,100%),1fr));gap:1.5rem}.blog-card{background:var(--white);border:1px solid rgba(27,58,92,0.1);border-radius:var(--radius-lg);overflow:hidden;transition:transform 0.25s,box-shadow 0.25s;display:flex;flex-direction:column}.blog-card:hover{transform:translateY(-4px);box-shadow:0 12px 32px rgba(27,58,92,0.1)}.blog-card-img{aspect-ratio:16/9;background:var(--navy-light);position:relative;overflow:hidden;display:flex;align-items:center;justify-content:center}.blog-card-img img{width:100%;height:100%;object-fit:cover}.blog-card-img-placeholder{font-size:3rem;opacity:0.25}.blog-card-body{padding:1.5rem;flex:1;display:flex;flex-direction:column}.blog-card-meta{display:flex;gap:0.75rem;align-items:center;margin-bottom:0.875rem;flex-wrap:wrap}.blog-tag{font-size:10px;font-weight:500;padding:2px 10px;border-radius:20px;background:rgba(27,58,92,0.07);color:var(--navy);text-transform:uppercase;letter-spacing:0.05em}.blog-date{font-size:14px;color:var(--muted)}.blog-read{font-size:14px;color:var(--muted)}.blog-card h3{font-family:var(--font-serif);font-size:1.2rem;font-weight:600;color:var(--navy-dark);line-height:1.3;margin-bottom:0.625rem}.blog-card p{font-size:15px;color:var(--muted);font-weight:300;line-height:1.65;flex:1;margin-bottom:1.25rem}.blog-card-link{font-size:15px;font-weight:500;color:var(--blue);display:flex;align-items:center;gap:4px;transition:gap 0.2s}.blog-card:hover .blog-card-link{gap:8px}.article-header{background:var(--navy-dark);padding:clamp(3rem,7vw,5rem) 0 clamp(2.5rem,5vw,4rem);position:relative;overflow:hidden}.article-header::before{content:'';position:absolute;top:-60px;right:-80px;width:min(400px,70vw);height:min(400px,70vw);border-radius:50%;border:1px solid rgba(201,168,76,0.08);pointer-events:none}.article-meta{display:flex;gap:1rem;align-items:center;margin-bottom:1.25rem;flex-wrap:wrap}.article-tag{font-size:10px;font-weight:500;padding:3px 12px;border-radius:2px;text-transform:uppercase;letter-spacing:0.08em;border:1px solid rgba(201,168,76,0.35);color:var(--gold)}.article-date,.article-read{font-size:15px;color:rgba(255,255,255,0.45)}.article-header h1{font-family:var(--font-serif);font-size:clamp(1.9rem,4vw,3rem);font-weight:500;color:var(--white);line-height:1.2;margin-bottom:1rem}.article-header .lead{font-size:17px;color:rgba(255,255,255,0.7);font-weight:300;line-height:1.75;max-width:640px}.article-body{padding:clamp(2.5rem,5vw,4rem) 0}.article-body h2{font-family:var(--font-serif);font-size:clamp(1.5rem,3vw,2rem);font-weight:500;color:var(--navy-dark);margin:2rem 0 0.875rem;line-height:1.3}.article-body h3{font-size:18px;font-weight:600;color:var(--navy-dark);margin:1.5rem 0 0.625rem}.article-body p{font-size:18px;color:var(--navy);font-weight:300;line-height:1.8;margin-bottom:1.25rem}.article-body strong{font-weight:500;color:var(--navy-dark)}.article-body ul,.article-body ol{padding-left:1.5rem;margin-bottom:1.25rem}.article-body li{font-size:18px;color:var(--navy);font-weight:300;line-height:1.75;margin-bottom:0.4rem}.article-body a{color:var(--blue);text-decoration:underline}.article-body blockquote{border-left:3px solid var(--gold);padding-left:1.25rem;margin:1.5rem 0;font-family:var(--font-serif);font-size:1.1rem;font-style:italic;color:var(--navy)}.answer-capsule{background:var(--white);border:1px solid rgba(27,58,92,0.1);border-left:3px solid var(--gold);border-radius:0 4px 4px 0;padding:1.25rem 1.5rem;margin-bottom:2rem;font-size:16px;color:var(--navy);font-weight:300;line-height:1.75}.article-cta{background:var(--cream-alt);border:1px solid rgba(27,58,92,0.1);border-radius:var(--radius-lg);padding:2rem;margin-top:3rem;text-align:center}.article-cta h3{font-family:var(--font-serif);font-size:1.5rem;font-weight:500;color:var(--navy-dark);margin-bottom:0.625rem}.article-cta p{font-size:16px;color:var(--muted);font-weight:300;margin-bottom:1.25rem}.cta-band{background:var(--gold);padding:clamp(3rem,7vw,5rem) 0;text-align:center}.cta-band h2{font-family:var(--font-serif);font-size:clamp(1.8rem,4vw,2.6rem);font-weight:500;color:var(--navy-dark);margin-bottom:0.875rem}.cta-band p{font-size:18px;color:rgba(18,40,69,0.72);max-width:480px;margin:0 auto 2rem;font-weight:300}.cta-band h2,.cta-band p,.cta-band .btn-dark{opacity:0;transform:translateY(16px);transition:opacity 0.5s ease,transform 0.5s ease}.cta-band.visible h2{opacity:1;transform:none}.cta-band.visible p{opacity:1;transform:none;transition-delay:0.15s}.cta-band.visible .btn-dark{opacity:1;transform:none;transition-delay:0.3s}.also-section{background:var(--white);padding:clamp(2rem,4vw,3rem) 0;border-top:1px solid rgba(27,58,92,0.08)}.also-inner{display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap}.also-label{font-size:14px;font-weight:500;text-transform:uppercase;letter-spacing:0.1em;color:var(--muted);white-space:nowrap}.also-links{display:flex;gap:1rem;flex-wrap:wrap}.also-link{font-size:16px;color:var(--navy);border:1px solid rgba(27,58,92,0.15);padding:6px 16px;border-radius:20px;transition:border-color 0.2s,color 0.2s}.also-link:hover{border-color:var(--gold);color:var(--navy-dark)}footer{background:#0D1E31}.footer-top{max-width:var(--max);margin-inline:auto;padding:clamp(2.5rem,5vw,3.5rem) clamp(1rem,5vw,2.5rem);display:grid;grid-template-columns:1fr auto;gap:2.5rem;align-items:start}.footer-tagline{font-size:14px;color:rgba(255,255,255,0.35);margin-top:5px;font-style:italic}.footer-email{margin-top:0.75rem;font-size:15px}.footer-email a{color:var(--gold)}.footer-cols{display:flex;gap:clamp(1.5rem,4vw,3rem);flex-wrap:wrap}.footer-col h5{font-size:13px;font-weight:500;letter-spacing:0.1em;text-transform:uppercase;color:rgba(255,255,255,0.55);margin-bottom:0.75rem}.footer-col li,.footer-col a{font-size:15px;color:rgba(255,255,255,0.38);margin-bottom:0.4rem;transition:color 0.2s;text-decoration:none;display:block}.footer-col a:hover{color:var(--gold-light)}.footer-legal{max-width:var(--max);margin-inline:auto;padding:1.25rem clamp(1rem,5vw,2.5rem);border-top:1px solid rgba(255,255,255,0.06);font-size:13px;color:rgba(255,255,255,0.22);line-height:1.65}.footer-bottom{max-width:var(--max);margin-inline:auto;padding:1.25rem clamp(1rem,5vw,2.5rem);border-top:1px solid rgba(255,255,255,0.07);display:flex;justify-content:space-between;flex-wrap:wrap;gap:0.5rem;font-size:13px;color:rgba(255,255,255,0.22);align-items:center}.footer-bottom-links{display:flex;gap:1.5rem;align-items:center;flex-wrap:wrap}.footer-bottom-links a{color:rgba(255,255,255,0.3);text-decoration:none;font-size:13px;transition:color 0.2s}.footer-bottom-links a:hover{color:var(--gold-light)}@keyframes fadeUp{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:translateY(0)}}@keyframes slideInLeft{from{opacity:0;transform:translateX(-24px)}to{opacity:1;transform:translateX(0)}}@keyframes goldPulse{0%,100%{box-shadow:0 0 0 0 rgba(201,168,76,0)}50%{box-shadow:0 0 0 6px rgba(201,168,76,0.15)}}.hero .eyebrow{animation:slideInLeft 0.6s cubic-bezier(0.22,1,0.36,1) 0.1s both}.hero h1{animation:fadeUp 0.7s cubic-bezier(0.22,1,0.36,1) 0.25s both}.hero-sub{animation:fadeUp 0.7s cubic-bezier(0.22,1,0.36,1) 0.4s both}.hero-actions{animation:fadeUp 0.7s cubic-bezier(0.22,1,0.36,1) 0.55s both}.hero-img-wrap{animation:fadeUp 0.8s cubic-bezier(0.22,1,0.36,1) 0.3s both}.hero-trust{animation:fadeUp 0.6s cubic-bezier(0.22,1,0.36,1) 0.7s both}.reveal{opacity:0;transform:translateY(24px);transition:opacity 0.65s cubic-bezier(0.22,1,0.36,1),transform 0.65s cubic-bezier(0.22,1,0.36,1)}.reveal.visible{opacity:1;transform:translateY(0)}.reveal-d1{transition-delay:0.1s}.reveal-d2{transition-delay:0.2s}.reveal-d3{transition-delay:0.3s}@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:0.01ms!important;transition-duration:0.01ms!important}}@media (max-width:820px){.hero-inner{grid-template-columns:1fr}.hero-img-wrap{width:100%;max-width:520px}.footer-top{grid-template-columns:1fr}}@media (max-width:720px){.nav-links{display:none;flex-direction:column;gap:0}.nav-links.open{display:flex;position:absolute;top:64px;left:0;right:0;background:var(--navy-dark);padding:1rem 1.5rem 1.5rem;border-top:1px solid rgba(255,255,255,0.07);z-index:99}.nav-links.open a{padding:0.75rem 0;border-bottom:1px solid rgba(255,255,255,0.07);display:block;color:rgba(255,255,255,0.8)}.nav-links.open .nav-cta{margin-top:0.75rem;display:inline-block;border-bottom:none!important}.nav-toggle{display:flex}.site-nav{position:relative}.grid-2{grid-template-columns:1fr}.rules-grid{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}}@media (max-width:480px){.hero-actions{flex-direction:column;align-items:flex-start}.btn-primary,.btn-ghost{width:100%;text-align:center}.footer-cols{flex-direction:column;gap:1.5rem}}@media print{.site-nav,.cta-band{display:none}}