:root{--navy:#00235c;--deep:#001c49;--blue:#087cba;--cyan:#14a6d7;--ink:#173657;--muted:#49617b;--pale:#edf5fa;--border:#d8e6ef;--white:#fff;--r:18px;--max:1220px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:92px}body{margin:0;color:var(--ink);background:white;font:400 18px/1.66 'Segoe UI',Arial,Helvetica,sans-serif;-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}h1,h2,h3,p{margin-top:0}h1,h2,h3{color:var(--navy);line-height:1.16;letter-spacing:-.03em}h1{font-size:clamp(2.65rem,5.8vw,5.55rem);font-weight:760}h2{font-size:clamp(2.2rem,4.2vw,3.7rem);font-weight:740}h3{font-size:clamp(1.36rem,2vw,1.7rem);font-weight:720}p{margin-bottom:1.05em}a{color:inherit}a:hover{color:var(--blue)}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #17a3d6;outline-offset:4px}.container{width:min(var(--max),calc(100% - 56px));margin-inline:auto}.skip{position:absolute;left:-9999px;top:5px;z-index:100;background:white;padding:8px}.skip:focus{left:20px}.kicker{font-size:.78rem;font-weight:800;letter-spacing:.145em;color:var(--blue);text-transform:uppercase;margin-bottom:17px}.subhead{font-size:clamp(1.08rem,1.7vw,1.35rem);color:var(--muted);max-width:690px;line-height:1.55}.section{padding:clamp(68px,8vw,116px) 0}.section.tint{background:#f4f8fb}.line{height:4px;width:60px;background:var(--cyan);border-radius:3px;margin:23px 0}.accent{color:var(--blue)}.header{background:rgba(255,255,255,.97);position:sticky;top:0;z-index:50;border-bottom:1px solid var(--border);backdrop-filter:blur(14px)}.navbar{min-height:84px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;gap:12px;align-items:center;text-decoration:none;color:var(--navy);flex-shrink:0}.brand img{width:76px;height:47px;object-fit:contain}.brand strong{display:block;font-size:.9rem;letter-spacing:.115em;line-height:1.2}.brand small{display:flex;gap:9px;align-items:center;justify-content:center;font-size:.72rem;letter-spacing:.29em}.brand small::before,.brand small::after{content:'';width:20px;height:2px;background:var(--cyan)}.nav-links{display:flex;align-items:center;gap:clamp(12px,2.2vw,29px)}.nav-links a{text-decoration:none;font-size:.95rem;font-weight:650;color:var(--navy)}.nav-links a:hover{color:var(--blue)}.nav-links .nav-action{background:var(--navy);color:white;padding:12px 17px;border-radius:7px}.nav-links .nav-action:hover{background:var(--blue);color:white}.menu-btn{display:none;padding:9px 12px;border:1px solid var(--border);border-radius:9px;background:white;color:var(--navy);font-size:1.05rem;font-weight:700}
.hero{min-height:630px;display:flex;align-items:center;position:relative;overflow:hidden;background:linear-gradient(110deg,#f7fbfe 0%,#eef6fb 53%,#dcecf7 100%)}.hero::after{content:'';position:absolute;inset:auto 0 0;height:140px;background:url('assets/mountains.webp') center 55%/cover no-repeat;opacity:.2;mask-image:linear-gradient(transparent,#000)}.hero-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:35px;align-items:center;position:relative;z-index:1;padding-block:73px}.hero-text{padding-right:6px}.hero h1{margin:0 0 24px}.hero .intro{font-size:clamp(1.18rem,2.1vw,1.45rem);line-height:1.52;color:var(--navy);font-weight:560;max-width:690px}.hero .focus{font-size:1.02rem;font-weight:650;color:var(--muted);max-width:590px;margin-bottom:27px}.hero-photo{align-self:stretch;min-height:460px;border-radius:22px 22px 5px 22px;overflow:hidden;position:relative;box-shadow:0 18px 65px rgba(0,35,92,.13)}.hero-photo img{height:100%;width:100%;object-fit:cover;object-position:50% 37%}.hero-photo::after{content:'';position:absolute;bottom:0;left:0;right:0;height:15px;background:linear-gradient(90deg,var(--navy),var(--cyan))}.hero-caption{position:absolute;bottom:29px;left:20px;background:#fffef9ef;padding:8px 13px;border-radius:6px;font-size:.75rem;color:var(--navy);line-height:1.3}.buttons{display:flex;gap:15px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;gap:11px;min-height:53px;padding:12px 23px;border-radius:8px;text-decoration:none;font-weight:750;font-size:1rem;line-height:1.25;transition:transform .18s,background .18s}.btn:hover{transform:translateY(-2px)}.btn-primary{background:var(--navy);color:white}.btn-primary:hover{background:var(--blue);color:white}.btn-ghost{border:1px solid var(--navy);color:var(--navy)}.btn-ghost:hover{color:var(--blue);border-color:var(--blue)}.metrics{background:var(--navy);color:#fff}.metric-row{display:grid;grid-template-columns:repeat(3,1fr);gap:25px;padding:28px 0}.metric-row div{border-left:2px solid var(--cyan);padding-left:24px}.metric-row strong{display:block;font-size:1.3rem;line-height:1.25;letter-spacing:-.02em}.metric-row span{display:block;opacity:.85;font-size:.91rem;margin-top:5px}
.section-head{display:grid;grid-template-columns:1.15fr 1fr;gap:55px;align-items:end;margin-bottom:34px}.section-head p:last-child{margin-bottom:8px}.two-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.offer-card{border:1px solid var(--border);border-radius:var(--r);padding:clamp(24px,3vw,39px);background:#fff;box-shadow:0 9px 35px rgba(0,35,92,.045);position:relative}.offer-card::before{content:'';position:absolute;inset:0 auto 0 0;width:5px;background:var(--cyan);border-radius:18px 0 0 18px}.offer-card .number{font-size:.8rem;letter-spacing:.12em;font-weight:800;color:var(--blue)}.offer-card h3{margin:14px 0}.offer-card p{color:var(--muted)}.offer-card ul,.topic-body ul{padding-left:21px;margin:0}.offer-card li,.topic-body li{margin:7px 0}.topic-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.topic{display:flex;flex-direction:column;background:white;border:1px solid var(--border);border-radius:var(--r);padding:28px;text-decoration:none;transition:box-shadow .2s,transform .2s}.topic:hover{box-shadow:0 15px 45px rgba(0,35,92,.13);transform:translateY(-3px)}.topic .topic-icon{width:47px;height:47px;display:grid;place-items:center;border-radius:10px;background:#e7f4fa;color:var(--blue);font-size:1.5rem;margin-bottom:24px}.topic h3{margin-bottom:10px}.topic p{color:var(--muted);flex:1}.topic .more{font-weight:800;color:var(--blue);font-size:.94rem}.topic.wide{grid-column:1/-1;display:grid;grid-template-columns:60px 1fr auto;align-items:center;gap:20px}.topic.wide .topic-icon{margin:0}.topic.wide h3{margin:0 0 6px}.topic.wide p{margin:0}.topic.wide .more{white-space:nowrap}
.approach{background:var(--navy);color:white}.approach h2,.approach h3{color:white}.approach .kicker{color:#68d1ed}.approach-layout{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.approach .subhead{color:#d5e7f4}.step{display:grid;grid-template-columns:55px 1fr;gap:14px;border-top:1px solid #426083;padding:19px 0}.step b{color:#69d0ee;font-size:1.05rem}.step h3{font-size:1.23rem;margin-bottom:7px}.step p{color:#d6e4ef;font-size:.99rem;margin:0}.feature{display:grid;grid-template-columns:.92fr 1.08fr;gap:45px;align-items:center}.feature-image{border-radius:var(--r);overflow:hidden;position:relative;box-shadow:0 10px 45px rgba(0,35,92,.08)}.feature-image img{width:100%;height:420px;object-fit:cover}.feature-image figcaption{background:#e8f2f8;padding:9px 12px;font-size:.76rem;color:#45657b}.feature-copy .quote{font-size:1.33rem;color:var(--navy);font-weight:600}.pill-list{display:flex;flex-wrap:wrap;gap:9px;margin:22px 0}.pill-list span{border:1px solid #b8d5e8;padding:7px 12px;border-radius:60px;font-size:.84rem;font-weight:700;color:var(--navy)}.text-link{color:var(--blue);font-weight:750;text-underline-offset:4px}.evidence{display:grid;grid-template-columns:repeat(3,1fr);gap:21px}.evidence article{padding:25px;background:white;border:1px solid var(--border);border-radius:var(--r)}.evidence article small{color:var(--blue);font-size:.75rem;letter-spacing:.1em;font-weight:750}.evidence article h3{font-size:1.28rem;margin:15px 0}.evidence article p{color:var(--muted);font-size:.98rem}.podcast{border-radius:var(--r);border:1px solid var(--border);background:linear-gradient(110deg,#edf6fc,#fff);padding:30px 35px;display:flex;align-items:center;gap:32px;margin-top:35px}.podcast-icon{display:grid;place-items:center;width:68px;height:68px;border-radius:50%;background:var(--navy);color:white;font-size:1.8rem;flex-shrink:0}.podcast p{margin:7px 0}.podcast .text-link{white-space:nowrap}.contact{background:linear-gradient(120deg,var(--navy),#083a73);color:#fff}.contact h2{color:#fff}.contact-layout{display:grid;grid-template-columns:1fr .9fr;gap:60px;align-items:start}.contact .kicker{color:#79d6f2}.contact p{color:#dfebf4}.contact-details{background:#ffffff11;border:1px solid #ffffff4d;padding:28px;border-radius:var(--r)}.contact-details a{display:block;color:white;text-decoration:none;font-size:clamp(1.08rem,2vw,1.35rem);font-weight:680;margin-bottom:17px;overflow-wrap:anywhere}.contact-details a:hover{color:#8de3f5}.contact-details small{display:block;color:#bad8ed;letter-spacing:.1em;margin-bottom:16px}.footer{padding:30px 0;background:#f6f9fc;border-top:1px solid var(--border)}.footer-layout{display:flex;gap:20px;flex-wrap:wrap;align-items:center;justify-content:space-between;color:var(--muted);font-size:.9rem}.footer p{margin:0}.footer a{color:var(--navy);margin-left:17px}.footer-brand{display:flex;align-items:center;gap:10px;color:var(--navy);font-weight:750}.footer-brand img{width:49px}.footer-note{font-size:.8rem;color:var(--muted);margin-top:13px}
/* Topic subpages */.topic-hero{background:linear-gradient(120deg,#eef7fc,#dcecf6);padding:78px 0 67px}.topic-hero h1{max-width:900px;font-size:clamp(2.45rem,5vw,4.7rem)}.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:27px}.breadcrumbs a{color:var(--blue)}.topic-main{padding:70px 0 110px}.topic-layout{display:grid;grid-template-columns:minmax(0,1fr) 305px;gap:70px;align-items:start}.topic-body h2{font-size:clamp(1.7rem,3vw,2.35rem);margin:35px 0 15px}.topic-body h3{font-size:1.4rem;margin-top:25px}.topic-body .lead{font-size:1.23rem;color:var(--navy);font-weight:600}.topic-body p,.topic-body li{color:var(--muted)}.topic-body ul{margin-bottom:20px}.topic-aside{position:sticky;top:111px;border:1px solid var(--border);background:#f5f9fc;border-radius:var(--r);padding:27px}.topic-aside h3{margin-bottom:11px}.topic-aside p{font-size:.95rem;color:var(--muted)}.topic-aside a.btn{width:100%;font-size:.94rem}.note{border-left:4px solid var(--cyan);background:#f2f8fc;padding:15px 23px;margin:29px 0}.legal{max-width:900px}.legal h1{font-size:2.6rem}.legal h2{font-size:1.5rem;margin-top:30px}.legal-warning{padding:18px;border:2px solid #c88133;background:#fff8eb;border-radius:8px;color:#6c401d}
@media (max-width:920px){body{font-size:17px}.menu-btn{display:block}.nav-links{display:none;position:absolute;top:83px;left:0;right:0;background:white;box-shadow:0 16px 25px #00235c1a;padding:18px 28px 26px;flex-direction:column;align-items:stretch;gap:5px}.nav-links.open{display:flex}.nav-links a{padding:9px 0;font-size:1rem}.nav-links .nav-action{text-align:center;margin-top:8px}.hero-inner{grid-template-columns:1fr .8fr;gap:22px}.hero-photo{min-height:410px}.section-head,.approach-layout,.feature,.contact-layout{gap:35px}.topic-layout{grid-template-columns:1fr}.topic-aside{position:static}}
@media (max-width:680px){body{font-size:18px;line-height:1.55}.container{width:min(100% - 34px,var(--max))}.navbar{min-height:76px}.nav-links{top:75px}.brand img{width:57px;height:38px}.brand strong{font-size:.73rem}.brand small{font-size:.58rem;gap:6px;letter-spacing:.22em}.brand small::before,.brand small::after{width:12px}.hero{min-height:0}.hero-inner{grid-template-columns:1fr;gap:29px;padding:51px 0 44px}.hero h1{font-size:clamp(2.62rem,10vw,4.25rem)}.hero .intro{font-size:1.22rem}.hero .focus{font-size:1.02rem}.hero-photo{min-height:0;max-height:420px;aspect-ratio:1.35}.hero-photo img{object-position:center 34%}.hero-caption{bottom:25px}.buttons{gap:11px}.btn{width:100%;min-height:52px}.metric-row{grid-template-columns:1fr;gap:14px;padding:22px 0}.metric-row div{padding-left:17px}.metric-row strong{font-size:1.1rem}.metric-row span{font-size:.87rem;margin-top:0}.section{padding:63px 0}.section-head,.two-grid,.topic-grid,.approach-layout,.feature,.contact-layout,.evidence{grid-template-columns:1fr}.section-head{gap:9px}.section-head h2{margin-bottom:12px}.offer-card{padding:23px}.topic{padding:23px}.topic.wide{grid-column:auto;display:flex;align-items:flex-start}.topic.wide .topic-icon{margin-bottom:17px}.topic.wide p{margin:8px 0}.feature-image img{height:300px}.podcast{display:block;padding:23px}.podcast-icon{margin-bottom:15px}.podcast .text-link{white-space:normal}.contact-details{padding:22px}.footer-layout{display:block}.footer-links{margin-top:16px;display:flex;flex-wrap:wrap;gap:14px}.footer-links a{margin:0}.topic-hero{padding:45px 0}.topic-main{padding:45px 0 70px}.topic-layout{gap:25px}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important}}

/* Version 2.1 — visually preserve complete photo composition and its typography. */
.hero-photo{align-self:center;min-height:0;aspect-ratio:auto;overflow:hidden;border-radius:18px;display:block}
.hero-photo img{width:100%;height:auto;max-height:none;object-fit:contain;object-position:center;display:block}
.hero-photo::after{display:none}
.feature-image{margin:0;border-radius:16px;overflow:hidden}
.feature-image img{width:100%;height:auto;max-height:none;object-fit:contain;display:block}
@media (max-width:920px){.hero-photo{min-height:0}}
@media (max-width:680px){.hero-photo{max-height:none;min-height:0;aspect-ratio:auto}.hero-photo img{height:auto;object-fit:contain}.feature-image img{height:auto}}