:root{--color-primary:#1a2e4a;--color-secondary:#d4a843;--color-accent:#2a9d8f;--color-cta:#037a0d;--color-cta-hover:#026b0a;--color-cta-active:#025c08;--bg-primary:#ffffff;--bg-secondary:#fdfdfd;--bg-alt:#f8f7f4;--bg-hero:#f3f1ed;--bg-dark:#1a2e4a;--text-primary:#2c2e33;--text-secondary:#555555;--text-light:#5f6673;--text-inverse:#ffffff;--border-color:#e5e7eb;--font-heading:'Plus Jakarta Sans',-apple-system,BlinkMacSystemFont,sans-serif;--font-body:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;--radius-btn:8px;--radius-card-sm:12px;--radius-card-lg:16px;--radius-pill:50px;--shadow-soft:0px 4px 12px rgba(0, 0, 0, 0.05);--shadow-medium:0px 8px 24px rgba(0, 0, 0, 0.08);--section-padding:80px;--nav-height:72px;--container-max:1200px}*,::after,::before{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;scroll-padding-top:var(--nav-height)}body{font-family:var(--font-body);color:var(--text-primary);background-color:var(--bg-primary);line-height:1.6;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}img{max-width:100%;height:auto;display:block}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);color:var(--text-primary);letter-spacing:-.015em;margin-bottom:16px;line-height:1.2}h1{font-size:40px;font-weight:700;line-height:1.1}h2{font-size:32px;font-weight:700;line-height:1.2}h3{font-size:24px;font-weight:600}h4{font-size:20px;font-weight:600}@media (min-width:768px){h1{font-size:56px}h2{font-size:40px}h3{font-size:28px}}p{font-size:16px;margin-bottom:24px}a{color:inherit;text-decoration:none;transition:color .2s ease}.container{max-width:var(--container-max);margin:0 auto;padding:0 24px}section{padding:var(--section-padding) 0}@media (max-width:768px){section{padding:60px 0}}.skip-link{position:absolute;top:-100%;left:16px;z-index:2000;padding:12px 24px;background-color:var(--color-primary);color:var(--text-inverse);border-radius:var(--radius-btn);font-weight:600;transition:top .2s ease}.skip-link:focus{top:16px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 28px;border-radius:var(--radius-btn);font-weight:600;font-size:16px;cursor:pointer;transition:all .2s ease;line-height:1;border:none;text-decoration:none;gap:8px}.btn-cta{background-color:var(--color-cta);color:var(--text-inverse)}.btn-cta:hover{background-color:var(--color-cta-hover);transform:translateY(-1px)}.btn-cta:active{background-color:var(--color-cta-active);transform:translateY(0)}.btn-primary{background-color:var(--color-primary);color:var(--text-inverse)}.btn-primary:hover{background-color:#243d5e;transform:translateY(-1px)}.btn-secondary{background-color:transparent;color:var(--text-primary);border:2px solid var(--color-primary)}.btn-secondary:hover{background-color:rgba(26,46,74,.05)}.btn-white{background-color:var(--text-inverse);color:var(--color-primary)}.btn-white:hover{background-color:#f0f0f0;transform:translateY(-1px)}.btn-lg{padding:16px 36px;font-size:18px}.btn-sm{padding:10px 20px;font-size:14px}.navbar{position:fixed;top:0;left:0;width:100%;height:var(--nav-height);background-color:rgba(255,255,255,.92);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid rgba(0,0,0,.05);z-index:1000;display:flex;align-items:center;transition:all .3s ease}.nav-container{width:100%;max-width:var(--container-max);margin:0 auto;padding:0 24px;display:flex;align-items:center;justify-content:space-between}.nav-logo{display:flex;align-items:center;gap:8px;color:var(--text-primary);text-decoration:none;flex-shrink:0}.nav-logo img,.nav-logo svg{height:36px;width:auto}.nav-logo .logo-text{font-family:var(--font-heading);font-size:18px;font-weight:700;color:var(--color-primary);white-space:nowrap}.nav-links{display:none;gap:28px}.nav-link{font-size:15px;font-weight:500;color:var(--text-primary);opacity:.8;transition:opacity .2s ease}.nav-link:hover{opacity:1}.nav-phone{display:none;align-items:center;gap:6px;font-weight:600;font-size:15px;color:var(--color-primary);white-space:nowrap}.nav-phone svg{width:18px;height:18px}.nav-cta{background-color:var(--color-cta);color:var(--text-inverse);border:none;padding:10px 20px;border-radius:var(--radius-btn);font-weight:600;font-size:14px;white-space:nowrap}.nav-cta:hover{background-color:var(--color-cta-hover);transform:translateY(-1px)}@media (min-width:1024px){.nav-links{display:flex;align-items:center}.nav-phone{display:flex}}.menu-toggle{display:none;background:0 0;border:none;color:var(--text-primary);cursor:pointer;padding:8px}.menu-toggle svg line{transform-box:view-box;transition:transform .3s ease,opacity .3s ease}.menu-toggle svg line:first-child{transform-origin:12px 12px}.menu-toggle svg line:nth-child(2){transform-origin:12px 6px}.menu-toggle svg line:nth-child(3){transform-origin:12px 18px}.menu-toggle.active svg line:first-child{opacity:0}.menu-toggle.active svg line:nth-child(2){transform:translateY(6px) rotate(45deg)}.menu-toggle.active svg line:nth-child(3){transform:translateY(-6px) rotate(-45deg)}@media (max-width:1023px){.menu-toggle{display:block}.nav-links{display:flex;flex-direction:column;position:absolute;top:100%;left:0;right:0;background-color:var(--bg-primary);padding:24px;box-shadow:0 4px 6px -1px rgb(0 0 0 / .1);gap:16px;opacity:0;visibility:hidden;pointer-events:none;transform:translateY(-8px);transition:transform .4s ease,opacity .3s ease,visibility 0s linear .4s}.nav-links.active{opacity:1;visibility:visible;pointer-events:auto;transform:translateY(0);transition:transform .4s ease,opacity .3s ease,visibility 0s linear 0s}.nav-links .nav-cta{margin-top:8px;text-align:center;justify-content:center}.nav-links .nav-phone{display:flex}}.breadcrumbs{padding:calc(var(--nav-height) + 20px) 0 0;font-size:14px;color:var(--text-light)}.breadcrumbs a{color:var(--color-primary);text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.breadcrumbs span{margin:0 8px}.hero{position:relative;padding-top:calc(var(--nav-height) + 60px);padding-bottom:80px;background-color:var(--bg-hero);overflow:hidden}.hero-content{text-align:center;max-width:800px;margin:0 auto;position:relative;z-index:2}.hero-tagline{font-size:18px;color:var(--text-secondary);max-width:600px;margin:0 auto 32px;line-height:1.6}.hero-buttons{display:flex;justify-content:center;gap:16px;flex-wrap:wrap}.hero-image{position:absolute;top:0;left:0;width:100%;height:100%;object-fit:cover;opacity:.15;z-index:1}.hero-page{padding-top:calc(var(--nav-height) + 40px);padding-bottom:60px}@media (min-width:768px){.hero{padding-top:calc(var(--nav-height) + 100px);padding-bottom:120px}.hero-page{padding-top:calc(var(--nav-height) + 60px);padding-bottom:80px}}.trust-bar{background-color:var(--bg-primary);border-bottom:1px solid var(--border-color);padding:16px 0}.trust-bar-inner{display:flex;align-items:center;justify-content:center;gap:12px;flex-wrap:wrap}.trust-item{display:flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--text-primary);white-space:nowrap;padding:8px 16px;border-radius:var(--radius-pill);background-color:var(--bg-alt);border:1px solid var(--border-color);transition:transform .2s ease,box-shadow .2s ease}@media (hover:hover){.trust-item:hover{transform:translateY(-1px);box-shadow:var(--shadow-soft)}}.trust-item svg{width:20px;height:20px;color:var(--color-secondary);flex-shrink:0;vertical-align:middle}@media (max-width:768px){.trust-bar-inner{gap:8px}.trust-item{font-size:12px;padding:6px 12px}.trust-item svg{width:16px;height:16px}}.section-header{text-align:center;max-width:700px;margin:0 auto 64px}.section-header p{font-size:1.125rem;color:var(--text-light);margin-top:16px}.section-eyebrow{display:inline-block;font-size:.75rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--color-secondary);margin-bottom:16px}.card{background-color:var(--bg-primary);border:1px solid var(--border-color);border-radius:var(--radius-card-lg);padding:32px;transition:transform .3s ease,box-shadow .3s ease}.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-medium)}.card-icon{width:48px;height:48px;display:flex;align-items:center;justify-content:center;background-color:rgba(26,46,74,.08);border-radius:var(--radius-card-sm);margin-bottom:20px;color:var(--color-primary)}.card-icon svg{width:24px;height:24px}.card h3{font-size:1.25rem;margin-bottom:12px}.card p{color:var(--text-secondary);margin-bottom:16px}.card-link{display:inline-flex;align-items:center;gap:6px;font-weight:600;color:var(--color-primary);font-size:15px}.card-link:hover{color:var(--color-accent)}.card-link svg{width:16px;height:16px;transition:transform .2s ease}.card-link:hover svg{transform:translateX(4px)}.card-grid{display:grid;grid-template-columns:1fr;gap:24px}@media (min-width:768px){.card-grid{grid-template-columns:repeat(2,1fr)}}@media (min-width:1024px){.card-grid-3{grid-template-columns:repeat(3,1fr)}}.area-card{position:relative;overflow:hidden;border-radius:var(--radius-card-lg);aspect-ratio:4/3}.area-card img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}.area-card:hover img{transform:scale(1.05)}.area-card-overlay{position:absolute;bottom:0;left:0;right:0;padding:24px;background:linear-gradient(transparent,rgba(0,0,0,.7));color:var(--text-inverse)}.area-card-overlay h3{color:var(--text-inverse);margin-bottom:0;font-size:1.25rem}.guide-card{display:flex;flex-direction:column}.guide-card-image{aspect-ratio:16/9;overflow:hidden;border-radius:var(--radius-card-sm) var(--radius-card-sm) 0 0}.guide-card-image img{width:100%;height:100%;object-fit:cover}.guide-card-body{padding:24px;border:1px solid var(--border-color);border-top:none;border-radius:0 0 var(--radius-card-sm) var(--radius-card-sm);flex:1;display:flex;flex-direction:column}.guide-card-body h3{font-size:1.125rem;margin-bottom:8px}.guide-card-body p{color:var(--text-secondary);font-size:15px;flex:1}.pillars{display:grid;grid-template-columns:1fr;gap:32px;text-align:center}@media (min-width:768px){.pillars{grid-template-columns:repeat(3,1fr)}}.pillar{padding:32px 24px}.pillar-icon{width:64px;height:64px;margin:0 auto 20px;display:flex;align-items:center;justify-content:center;background-color:rgba(26,46,74,.06);border-radius:50%;color:var(--color-primary)}.pillar-icon svg{width:32px;height:32px}.pillar h3{font-size:1.25rem;margin-bottom:12px}.pillar p{color:var(--text-secondary);font-size:15px}.steps{display:grid;grid-template-columns:1fr;gap:32px;counter-reset:step-counter}@media (min-width:768px){.steps{grid-template-columns:repeat(2,1fr)}}@media (min-width:1024px){.steps{grid-template-columns:repeat(4,1fr)}}.step{text-align:center;padding:24px;counter-increment:step-counter;position:relative}.step-number{display:flex;align-items:center;justify-content:center;width:56px;height:56px;border-radius:50%;background-color:var(--color-primary);color:var(--text-inverse);font-family:var(--font-heading);font-size:1.5rem;font-weight:700;margin:0 auto 20px}.step h3{font-size:1.125rem;margin-bottom:8px}.step p{color:var(--text-secondary);font-size:15px}.value-chart{max-width:700px;margin:0 auto}.chart-bar-row{display:flex;align-items:center;gap:16px;margin-bottom:12px}.chart-label{width:100px;font-size:14px;font-weight:600;text-align:right;flex-shrink:0;color:var(--text-primary)}.chart-bar-container{flex:1;height:36px;background-color:var(--bg-alt);border-radius:4px;overflow:hidden;position:relative}.chart-bar{height:100%;background:linear-gradient(90deg,var(--color-primary),var(--color-accent));border-radius:4px;display:flex;align-items:center;justify-content:flex-end;padding-right:12px;transition:width 1s ease}.chart-bar-value{font-size:13px;font-weight:700;color:var(--text-inverse);white-space:nowrap}.chart-bar-low{background:linear-gradient(90deg,#dc3545,#e57373)}.chart-bar-medium{background:linear-gradient(90deg,var(--color-secondary),#e8c873)}.chart-bar-high{background:linear-gradient(90deg,var(--color-accent),#4ecdc4)}@media (max-width:480px){.chart-label{width:70px;font-size:12px}.chart-bar-container{height:28px}}.comparison-table{width:100%;border-collapse:collapse;font-size:15px}.comparison-table thead th{background-color:var(--color-primary);color:var(--text-inverse);padding:16px;text-align:left;font-weight:600}.comparison-table thead th:first-child{border-radius:var(--radius-card-sm) 0 0 0}.comparison-table thead th:last-child{border-radius:0 var(--radius-card-sm) 0 0}.comparison-table tbody td{padding:14px 16px;border-bottom:1px solid var(--border-color);vertical-align:top}.comparison-table tbody tr:nth-child(2n){background-color:var(--bg-alt)}.comparison-table .check{color:var(--color-cta);font-weight:700}.comparison-table .cross{color:#dc3545;font-weight:700}.table-wrapper{overflow-x:auto;-webkit-overflow-scrolling:touch;margin-bottom:32px;border-radius:var(--radius-card-sm);border:1px solid var(--border-color)}.faq-section{padding:100px 0;background-color:var(--bg-primary)}@media (max-width:768px){.faq-section{padding:60px 0}}.faq-list{max-width:800px;margin:0 auto}.faq-item{border-bottom:1px solid var(--border-color)}.faq-question{width:100%;text-align:left;background:0 0;border:none;padding:24px 0;font-size:1.125rem;font-weight:700;font-family:var(--font-heading);color:var(--text-primary);display:flex;justify-content:space-between;align-items:center;cursor:pointer;transition:color .3s ease}.faq-icon{flex-shrink:0;margin-left:16px;transition:transform .3s ease;color:var(--text-light)}.faq-item.active .faq-icon{transform:rotate(180deg);color:var(--text-primary)}.faq-answer{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s ease}.faq-item.active .faq-answer{grid-template-rows:1fr}.faq-answer-inner{overflow:hidden;padding-bottom:0;padding-right:24px;color:var(--text-secondary);line-height:1.7;opacity:0;transition:opacity .3s ease,padding .3s ease}.faq-item.active .faq-answer-inner{padding-bottom:24px;opacity:1}.cta-section{background-color:var(--bg-dark);padding:80px 0;text-align:center}.cta-section h2{color:var(--text-inverse);margin-bottom:16px}.cta-section p{color:rgba(255,255,255,.87);max-width:600px;margin:0 auto 32px;font-size:1.125rem}.cta-section .btn-cta{font-size:18px;padding:16px 40px}.cta-section-light{background-color:var(--bg-alt)}.cta-section-light h2{color:var(--text-primary)}.cta-section-light p{color:var(--text-secondary)}.testimonials-section{padding:100px 0;background-color:var(--bg-alt)}@media (max-width:768px){.testimonials-section{padding:60px 0}}.testimonials-track-wrapper{position:relative;overflow:hidden}.testimonials-track-wrapper::after,.testimonials-track-wrapper::before{content:'';position:absolute;top:0;bottom:0;width:80px;z-index:2;pointer-events:none}.testimonials-track-wrapper::before{left:0;background:linear-gradient(to right,var(--bg-alt),transparent)}.testimonials-track-wrapper::after{right:0;background:linear-gradient(to left,var(--bg-alt),transparent)}.testimonials-track{display:flex;flex-direction:row;gap:24px;width:max-content;animation:testimonials-scroll 55s linear infinite}@keyframes testimonials-scroll{from{transform:translateX(-50%)}to{transform:translateX(0)}}.testimonials-track .testimonial-card{width:340px;flex-shrink:0}@media (max-width:768px){.testimonials-track-wrapper{max-height:520px}.testimonials-track-wrapper::after,.testimonials-track-wrapper::before{width:100%;height:60px;left:0;right:0}.testimonials-track-wrapper::before{top:0;bottom:auto;background:linear-gradient(to bottom,var(--bg-alt),transparent)}.testimonials-track-wrapper::after{bottom:0;top:auto;background:linear-gradient(to top,var(--bg-alt),transparent)}.testimonials-track{flex-direction:column;width:100%;animation-name:testimonials-scroll-vertical;animation-duration:50s}.testimonials-track .testimonial-card{width:100%}}@keyframes testimonials-scroll-vertical{from{transform:translateY(0)}to{transform:translateY(-50%)}}.testimonial-card{background-color:var(--bg-primary);border:1px solid var(--border-color);border-radius:var(--radius-card-sm);padding:28px 28px 24px;display:flex;flex-direction:column;box-shadow:0 6px 16px rgba(0,0,0,.08)}.testimonial-stars{display:flex;gap:2px;color:#facc15;margin-bottom:12px}.testimonial-stars svg{width:20px;height:20px}.testimonial-text{font-size:1rem;line-height:1.7;color:var(--text-primary);margin-bottom:20px;flex-grow:1}.testimonial-author{display:flex;align-items:center;gap:12px}.author-avatar{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--color-primary),var(--color-accent));color:var(--text-inverse);font-family:var(--font-heading);font-size:.8rem;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0}.author-name{font-weight:600;color:var(--text-primary);font-size:.95rem}.author-location{font-size:.8rem;color:var(--text-light)}.calculator-form{max-width:680px;margin:0 auto;background-color:var(--bg-primary);border:1px solid var(--border-color);border-radius:var(--radius-card-lg);padding:40px;box-shadow:var(--shadow-soft)}.calc-field{margin-bottom:32px}.calc-field label{display:block;font-weight:600;margin-bottom:8px;font-size:15px;color:var(--text-primary)}.calc-slider-display{text-align:center;margin-bottom:20px}.calc-slider-value{font-family:var(--font-heading);font-size:3.5rem;font-weight:700;color:var(--color-primary);line-height:1;letter-spacing:-.02em;transition:color .3s ease}.calc-slider-unit{display:block;font-size:15px;color:var(--text-light);margin-top:4px;font-weight:500}.calc-slider-wrap{padding:0 4px}.calc-range-slider{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:4px;outline:0;cursor:pointer;background:linear-gradient(to right,#dc3545,#e57373,var(--color-secondary),var(--color-accent),var(--color-accent));transition:opacity .15s ease}.calc-range-slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:28px;height:28px;border-radius:50%;background:var(--bg-primary);border:3px solid var(--color-primary);box-shadow:0 2px 8px rgba(0,0,0,.15);cursor:grab;transition:transform .15s ease,box-shadow .15s ease}.calc-range-slider::-webkit-slider-thumb:hover{transform:scale(1.12);box-shadow:0 3px 12px rgba(0,0,0,.2)}.calc-range-slider::-webkit-slider-thumb:active{cursor:grabbing;transform:scale(1.05)}.calc-range-slider::-moz-range-thumb{width:28px;height:28px;border-radius:50%;background:var(--bg-primary);border:3px solid var(--color-primary);box-shadow:0 2px 8px rgba(0,0,0,.15);cursor:grab}.calc-range-slider::-moz-range-track{height:8px;border-radius:4px;background:linear-gradient(to right,#dc3545,#e57373,var(--color-secondary),var(--color-accent),var(--color-accent))}.calc-slider-labels{display:flex;justify-content:space-between;margin-top:8px;font-size:12px;color:var(--text-light);font-weight:500}.calc-slider-marker{color:var(--color-secondary);font-weight:600}.calc-input-wrap{position:relative;display:flex;align-items:center}.calc-input-prefix{position:absolute;left:16px;font-size:16px;font-weight:600;color:var(--text-light);pointer-events:none;z-index:1}.calc-input-wrap input{width:100%;padding:14px 16px 14px 36px;border:2px solid var(--border-color);border-radius:var(--radius-btn);font-size:16px;font-family:var(--font-body);color:var(--text-primary);background-color:var(--bg-primary);transition:border-color .2s ease,box-shadow .2s ease}.calc-input-wrap input:focus{outline:0;border-color:var(--color-primary);box-shadow:0 0 0 3px rgba(26,46,74,.08)}.calc-input-wrap input::placeholder{color:#c0c4cc}.calc-results-grid{display:grid;grid-template-columns:1fr;gap:12px;margin-top:32px}@media (min-width:600px){.calc-results-grid{grid-template-columns:repeat(3,1fr)}}.calc-result{background-color:var(--bg-alt);border-radius:var(--radius-card-sm);padding:24px 16px;text-align:center;border:1px solid var(--border-color);transition:transform .2s ease,box-shadow .2s ease}.calc-result-primary{border-color:var(--color-primary);background-color:rgba(26,46,74,.04)}@media (min-width:600px){.calc-result-primary{grid-row:1}}.calc-result-gain .calc-result-value{color:var(--color-accent)}.calc-result-value{font-family:var(--font-heading);font-size:1.75rem;font-weight:700;color:var(--color-primary);margin-bottom:4px;line-height:1.2;transition:color .3s ease}.calc-result-primary .calc-result-value{font-size:2rem}.calc-result-label{font-size:13px;font-weight:500;color:var(--text-primary);line-height:1.3;letter-spacing:-.01em}.calc-fees-note{font-size:13px;color:var(--text-secondary);margin-top:20px;line-height:1.5}.calc-lafra-note{font-size:13px;color:var(--text-secondary);margin-top:20px;padding:12px 16px;background-color:rgba(212,168,67,.08);border-left:3px solid var(--color-secondary);border-radius:0 var(--radius-btn) var(--radius-btn) 0;line-height:1.5;margin-bottom:0}.calc-disclaimer{font-size:12px;color:var(--text-light);margin-top:12px;font-style:italic;line-height:1.5}.calc-slider-value.years-critical{color:#dc3545}.calc-slider-value.years-warning{color:var(--color-secondary)}.calc-slider-value.years-ok{color:var(--color-accent)}@media (max-width:480px){.calculator-form{padding:24px 20px}.calc-slider-value{font-size:2.5rem}.calc-result-value{font-size:1.4rem}.calc-result-primary .calc-result-value{font-size:1.6rem}}.footer{background-color:var(--color-primary);color:rgba(255,255,255,.8);padding:64px 0 32px}.footer-top{display:flex;flex-direction:column;gap:48px;margin-bottom:48px}@media (min-width:768px){.footer-top{flex-direction:row;justify-content:space-between}}.footer-brand{max-width:320px}.footer-logo{display:flex;align-items:center;gap:8px;margin-bottom:16px;text-decoration:none}.footer-logo .logo-mark{width:36px;height:36px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.footer-logo .logo-text{font-family:var(--font-heading);font-size:18px;font-weight:700;color:var(--text-inverse)}.footer-tagline{color:rgba(255,255,255,.6);line-height:1.6;font-size:15px;margin-bottom:20px}.footer-phone{display:flex;align-items:center;gap:8px;font-size:18px;font-weight:700;color:var(--text-inverse);margin-bottom:8px}.footer-phone svg{width:20px;height:20px}.footer-email{color:rgba(255,255,255,.7);font-size:15px}.footer-email:hover{color:var(--text-inverse)}.footer-links-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:40px}@media (min-width:768px){.footer-links-grid{grid-template-columns:repeat(3,1fr)}}.footer-heading{font-family:var(--font-heading);font-size:1rem;font-weight:600;color:var(--text-inverse);margin-bottom:20px}.footer-links{list-style:none;display:flex;flex-direction:column;gap:12px}.footer-links a{color:rgba(255,255,255,.7);text-decoration:none;font-size:15px;transition:color .3s ease}.footer-links a:hover{color:var(--text-inverse)}.footer-bottom{padding-top:32px;border-top:1px solid rgba(255,255,255,.1);display:flex;flex-direction:column;gap:16px;align-items:center}@media (min-width:768px){.footer-bottom{flex-direction:row;justify-content:space-between}}.footer-copyright{font-size:.875rem;color:rgba(255,255,255,.65)}.footer-credentials{display:flex;gap:24px;flex-wrap:wrap;font-size:.8rem;color:rgba(255,255,255,.65)}.sr-reveal{opacity:0;will-change:opacity,transform;transform:translateY(24px);transition:opacity .65s cubic-bezier(.16, 1, .3, 1),transform .65s cubic-bezier(.16, 1, .3, 1)}.sr-reveal.is-visible{opacity:1;transform:none}.sr-reveal.sr-from-left{transform:translateX(-32px)}.sr-reveal.sr-from-right{transform:translateX(32px)}.sr-reveal.sr-scale{transform:translateY(16px) scale(.97)}.sr-reveal.sr-from-left.is-visible,.sr-reveal.sr-from-right.is-visible,.sr-reveal.sr-scale.is-visible{opacity:1;transform:none}@media (prefers-reduced-motion:reduce){.sr-reveal{opacity:1;transform:none;transition:none}}.back-to-top{position:fixed;bottom:32px;right:32px;width:48px;height:48px;border-radius:50%;background-color:var(--color-primary);color:var(--text-inverse);border:none;cursor:pointer;display:flex;align-items:center;justify-content:center;opacity:0;visibility:hidden;transform:translateY(16px);transition:opacity .3s ease,visibility .3s ease,transform .3s ease;z-index:900;box-shadow:var(--shadow-medium)}.back-to-top.visible{opacity:1;visibility:visible;transform:translateY(0)}.back-to-top:hover{background-color:#243d5e}.back-to-top svg{width:20px;height:20px}.article-content{max-width:760px;margin:0 auto}.article-content h2{margin-top:48px;margin-bottom:16px}.article-content h3{margin-top:32px;margin-bottom:12px}.article-content p{line-height:1.8;margin-bottom:20px}.article-content ol,.article-content ul{margin-bottom:20px;padding-left:24px}.article-content li{margin-bottom:8px;line-height:1.7}.article-content a{color:var(--color-primary);text-decoration:underline;text-underline-offset:3px}.article-content a:hover{color:var(--color-accent)}.key-takeaway{background-color:rgba(42,157,143,.08);border-left:4px solid var(--color-accent);padding:24px;border-radius:0 var(--radius-card-sm) var(--radius-card-sm) 0;margin:32px 0}.key-takeaway h4{color:var(--color-accent);margin-bottom:8px}.contact-grid{display:grid;grid-template-columns:1fr;gap:48px}@media (min-width:768px){.contact-grid{grid-template-columns:1fr 1fr}}.contact-info-item{display:flex;align-items:flex-start;gap:16px;margin-bottom:32px}.contact-info-icon{width:48px;height:48px;border-radius:50%;background-color:rgba(26,46,74,.06);display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--color-primary)}.contact-info-icon svg{width:22px;height:22px}.contact-info-text h3{font-size:1rem;margin-bottom:4px}.contact-info-text p{color:var(--text-secondary);margin-bottom:0;font-size:15px}.contact-info-text a{color:var(--color-primary);font-weight:600}.contact-info-text a:hover{text-decoration:underline}.text-center{text-align:center}.text-left{text-align:left}.text-right{text-align:right}.mb-0{margin-bottom:0}.mb-1{margin-bottom:8px}.mb-2{margin-bottom:16px}.mb-3{margin-bottom:24px}.mb-4{margin-bottom:32px}.mb-5{margin-bottom:48px}.mt-0{margin-top:0}.mt-3{margin-top:24px}.mt-4{margin-top:32px}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border-width:0}@media print{.back-to-top,.cta-section,.navbar{display:none}body{color:#000;background:#fff}a{text-decoration:underline}.hero{padding-top:20px;background:0 0}}