:root{--navy:#073c5d;--blue:#07567d;--gold:#efa600;--ink:#152b3a;--muted:#62717a;--pale:#f3f8fa}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.65 system-ui,-apple-system,Segoe UI,sans-serif;color:var(--ink)}a{color:inherit;text-decoration:none}.site-header{height:94px;display:flex;align-items:center;justify-content:space-between;padding:12px 6%;background:#fff;position:sticky;top:0;z-index:10;box-shadow:0 3px 18px #062f4b12}.brand img{width:220px;max-height:68px;object-fit:contain}nav{display:flex;align-items:center;gap:20px;font-size:14px;font-weight:650}nav a:hover,.card a{color:var(--blue)}.nav-cta,.btn.primary{background:var(--navy);color:#fff!important}.nav-cta{padding:12px 18px;border-radius:6px}.menu-toggle{display:none}.hero{min-height:620px;background:linear-gradient(115deg,#f5fafb,#fff 56%,#fff8e8);display:grid;grid-template-columns:1.15fr 1fr;align-items:center;padding:85px 8%;gap:40px;overflow:hidden}.eyebrow{color:#8a5d00;font-size:12px;font-weight:800;letter-spacing:2px}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(42px,5.3vw,76px);line-height:1.08;letter-spacing:-2.8px;margin:22px 0}h1 em{font-style:normal;color:var(--blue)}.hero-copy>p{font-size:19px;color:#566a77;max-width:620px}.actions{display:flex;gap:14px;flex-wrap:wrap;margin:30px 0}.btn{display:inline-block;border:0;border-radius:6px;padding:15px 23px;font-weight:700;cursor:pointer;font-size:15px}.btn.secondary{border:1px solid #bdcbd2;background:white}.fine{font-size:12px!important;color:#5b6a73!important}.hero-art{height:390px;position:relative;display:grid;place-items:center}.orb{width:340px;height:340px;border-radius:50%;background:radial-gradient(circle at 30% 30%,#ffe98c,#f4b41a 50%,#b97b00);box-shadow:inset -25px -18px 40px #b96b0033,0 30px 90px #e6aa3540}.orb:after{content:'';position:absolute;width:260px;height:260px;border:26px solid #ffffffd9;border-left-color:transparent;border-radius:50%;transform:rotate(-27deg);top:39px;left:calc(50% - 156px)}.hero-card{position:absolute;bottom:5px;right:0;background:white;padding:24px 30px;border-radius:12px;box-shadow:0 20px 60px #103c5830;max-width:310px}.hero-card span,.hero-card small{display:block;font-size:11px;letter-spacing:1px;color:#7e8c95}.hero-card strong{display:block;font-size:23px;line-height:1.2;margin:9px 0}.section{padding:95px 8%}.section-heading{text-align:center;max-width:670px;margin:0 auto 44px}.section h2{font-size:clamp(32px,3.4vw,48px);line-height:1.17;letter-spacing:-1.2px;margin:15px 0}.section-heading p,.section p{color:#60717d}.grid{display:grid;gap:22px}.three{grid-template-columns:repeat(3,1fr)}.four{grid-template-columns:repeat(4,1fr)}.card{background:white;border:1px solid #e5edf1;border-radius:12px;padding:32px;box-shadow:0 8px 30px #133a5310}.card h3{font-size:21px;line-height:1.3}.card a{font-weight:750;font-size:14px}.icon{font-size:35px;color:var(--gold);margin-bottom:18px}.pale{background:var(--pale)}.step{border-top:3px solid var(--gold);padding:25px 10px}.step b{font-size:35px;color:#c58a12}.step h3{margin:12px 0}.notice{margin:32px auto 0;max-width:900px;font-size:13px;text-align:center}.split{display:grid;grid-template-columns:1fr 1fr;gap:10%;align-items:center}.split>div>p{max-width:590px}.values{background:#073c5d;color:white;padding:38px;border-radius:14px}.values>div{padding:15px 0;border-bottom:1px solid #ffffff30}.values>div:last-child{border:0}.values p{color:#d1e0e8}.insight span{font-size:11px;font-weight:800;letter-spacing:1px;color:#b98305}.insight small{color:#82909b}.contact{background:#fff;display:grid;grid-template-columns:1fr 1fr;gap:10%}form{display:grid;gap:16px}label{font-size:14px;font-weight:700}input,textarea,select{display:block;width:100%;padding:13px 15px;margin-top:6px;border:1px solid #cbd6dc;border-radius:6px;font:inherit;background:white}form button{justify-self:start}footer{background:#062f49;color:white;padding:48px 8%;display:flex;align-items:center;justify-content:space-between;gap:25px;flex-wrap:wrap}footer img{width:170px;background:white;border-radius:5px}footer p,footer small{color:#c7d5de;font-size:12px}footer>div:nth-child(2){display:flex;gap:20px;font-size:13px}@media(max-width:900px){.menu-toggle{display:block;background:none;border:0;font-size:26px}nav{display:none;position:absolute;top:94px;left:0;right:0;background:white;flex-direction:column;align-items:stretch;padding:20px 8%;box-shadow:0 15px 20px #0001}nav.open{display:flex}.hero,.split,.contact{grid-template-columns:1fr}.hero{padding:70px 7%}.hero-art{height:300px}.orb{width:250px;height:250px}.orb:after{width:190px;height:190px;top:24px;left:calc(50% - 120px);border-width:20px}.hero-card{bottom:0}.three,.four{grid-template-columns:repeat(2,1fr)}.section{padding:70px 7%}}@media(max-width:580px){.brand img{width:175px}.hero-art{display:none}.three,.four{grid-template-columns:1fr}h1{letter-spacing:-1.3px}.section{padding:60px 6%}footer{align-items:flex-start;flex-direction:column}}
/* Public-domain photography */
.hero-art{position:relative;overflow:hidden;border-radius:26px;min-height:420px;background:#0b3d5b}
.hero-art .hero-photo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:brightness(.75)}
.hero-art .orb{display:none}
.hero-art .hero-card{position:relative;z-index:1}
.service-photo{display:block;width:100%;height:190px;object-fit:cover;border-radius:14px;margin-bottom:18px;background:#e8eef2}
.photo-credit{font-size:12px;color:#526778;line-height:1.5;margin-top:18px}
.photo-credit a{color:#005b84}

/* Journal and resources pages */
.lead{max-width:850px;font-size:1.16rem;line-height:1.75;color:#536677;margin-bottom:35px}.article-page{max-width:1050px;margin:auto}.article-body{max-width:780px;line-height:1.85;font-size:1.08rem;margin:30px 0 45px}.article-body h2{margin-top:35px}.article-body a,.insight h3 a{color:#07567b}.article-body a:hover,.insight h3 a:hover{text-decoration:underline}.insight h3 a{text-decoration:none}#official-resources .card a{font-weight:700}footer>div:nth-child(2){flex-wrap:wrap}

.contact-direct{font-size:18px;margin:18px 0}.contact-direct a{color:var(--blue);font-weight:700;text-decoration:underline}

/* Tools, partner and shared components */
.grid.two{grid-template-columns:repeat(2,1fr)}.grid.five{grid-template-columns:repeat(5,1fr)}
.page-intro h1{font-size:clamp(36px,4.6vw,58px);letter-spacing:-1.6px;margin:16px 0}
.page-intro .lead{margin-bottom:22px}
.text-link{color:var(--blue);font-weight:700;text-decoration:underline}
.hint{color:var(--muted);font-size:14px;margin:0 0 12px}.hint a{color:var(--blue);font-weight:700;text-decoration:underline}
.tool-card a,.cv-card a{color:var(--blue)}
.tool-card h3{margin-top:12px}
.tick-list{list-style:none;padding:0;margin:18px 0}.tick-list li{position:relative;padding:8px 0 8px 30px;border-bottom:1px solid #e5edf1;color:#3f5463}.tick-list li:last-child{border:0}.tick-list li:before{content:"✓";position:absolute;left:0;top:8px;color:var(--gold);font-weight:800}
/* calculator */
.calc-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:28px;align-items:start}
.calc-seg{display:inline-flex;border:1px solid #cbd6dc;border-radius:8px;overflow:hidden;margin-bottom:18px}
.calc-seg button{border:0;background:#fff;color:var(--ink);padding:12px 20px;font:inherit;font-weight:700;cursor:pointer}
.calc-seg button[aria-pressed="true"]{background:var(--navy);color:#fff}
.calc-card{background:#fff;border:1px solid #e5edf1;border-radius:12px;padding:24px;margin-bottom:16px;box-shadow:0 8px 30px #133a5310}
.calc-card h2,.calc-result h3{font-size:21px;margin:0 0 6px;letter-spacing:0}
.calc-row{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:8px 0;border-top:1px solid #edf2f5}
.calc-row:first-child{border-top:0}.calc-row label{flex:1;font-weight:600}
.calc-in{display:flex;align-items:center;gap:4px;border:1px solid #cbd6dc;border-radius:6px;padding:0 10px;background:var(--pale);width:140px}
.calc-in span{color:var(--muted);font-weight:700}
.calc-in input{border:0;margin:0;padding:10px 0;background:transparent;text-align:right;min-width:0}
.calc-in:focus-within,.calc-seg button:focus-visible{outline:2px solid var(--blue);outline-offset:1px}.calc-in input:focus{outline:none}
.calc-result{position:sticky;top:110px;background:#fff;border:2px solid var(--navy);border-radius:14px;padding:26px;box-shadow:0 20px 60px #103c5820}
.calc-big{font-size:clamp(34px,4vw,46px);font-weight:800;letter-spacing:-1px;margin:8px 0 2px}.calc-big.good{color:#0d6b4f}.calc-big.bad{color:#a63d2f}
.calc-stats{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:16px 0 22px}.calc-stats div{background:var(--pale);border-radius:8px;padding:12px}.calc-stats small{display:block;color:var(--muted);font-size:12px}.calc-stats b{font-size:18px}
.calc-bar{display:grid;grid-template-columns:1fr auto;gap:6px 8px;font-size:14px;margin:8px 0}.calc-track{grid-column:1/-1;height:8px;background:var(--pale);border-radius:4px;overflow:hidden}.calc-fill{height:100%;background:var(--gold)}
.calc-cta{margin-top:22px;padding:20px;border-radius:12px;background:var(--pale);border-left:4px solid var(--gold)}.calc-cta strong{display:block;font-size:18px;margin-bottom:6px}.calc-cta p{margin:0 0 14px;color:#536677}
.calc-cta-soft{border-left-color:var(--blue)}
.wide-cta{max-width:900px;margin:36px auto 0}
.calc-section .notice{margin-top:40px}
/* checklists */
.checklist{list-style:none;padding:0;margin:12px 0 0}.checklist li{border-top:1px solid #edf2f5}.checklist li:first-child{border:0}
.checklist label{display:flex;gap:12px;align-items:flex-start;padding:10px 0;font-weight:500;cursor:pointer;color:#3f5463}
.checklist input{width:20px;height:20px;margin:3px 0 0;flex:none;accent-color:var(--navy)}
.checklist input:checked+span{color:#8a99a3;text-decoration:line-through}
.checklist a{color:var(--blue);text-decoration:underline}
.checklist-card h2,.cv-card h2{font-size:24px;letter-spacing:-.4px;margin:8px 0}
/* CV */
.cv-card dl{margin:16px 0 0}.cv-card dt{font-weight:800;color:var(--navy);margin-top:14px;font-size:14px}.cv-card dd{margin:4px 0 0;color:#536677;font-size:15px}
.rules-card{max-width:900px;margin:auto}
/* newsletter */
.newsletter{display:grid;grid-template-columns:1fr 1fr;gap:8%;align-items:center;background:var(--navy);color:#fff}
.newsletter h2{color:#fff}.newsletter p{color:#d1e0e8!important}.newsletter .eyebrow{color:var(--gold)}
.newsletter label{color:#fff}.newsletter .fine{color:#c7d5de!important}.newsletter .fine a{color:#fff;text-decoration:underline}
.newsletter .btn.primary{background:var(--gold);color:#062f49!important}
.form-thanks{font-weight:700;color:#0d6b4f}.newsletter .form-thanks{color:#ffd166!important}
/* partner */
.partner-hero .values strong{font-size:18px}
footer a{color:inherit}footer>div:first-child p a{color:#fff;text-decoration:underline}
.photo-credit{flex-basis:100%;margin:0}
@media(max-width:1180px){nav{gap:15px;font-size:13px}.brand img{width:180px}.grid.five{grid-template-columns:repeat(3,1fr)}}
@media(max-width:900px){.calc-grid,.newsletter,.grid.two{grid-template-columns:1fr}.calc-result{position:static}.grid.five{grid-template-columns:repeat(2,1fr)}}
@media(max-width:580px){.grid.five{grid-template-columns:1fr}.calc-in{width:118px}.calc-row label{font-size:14px}.calc-seg button{padding:10px 12px;font-size:14px}}
@media print{.site-header,footer,.newsletter,.actions,.calc-cta,ins.adsbygoogle{display:none!important}.section{padding:20px 0}.card{box-shadow:none;break-inside:avoid}}
.insight small{display:block;margin:6px 0 12px}