:root{--navy:#183653;--blue:#285E83;--emerald:#32836B;--gold:#C5A66B;--warm:#F8F9F6;--pearl:#E7EBEF;--graphite:#29343D;--muted:#56626d;--line:#e3e8ed;--radius:16px;--shadow:0 18px 40px -22px rgba(24,54,83,.45);--wa:#1EA952}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;font-family:Manrope,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;font-size:17px;line-height:1.7;color:var(--graphite);background:var(--warm)}
img{display:block;max-width:100%;height:auto}
a{color:var(--blue);text-underline-offset:3px}
a:hover{color:var(--emerald)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:12px;top:-80px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:8px;z-index:200}
.skip:focus{top:12px}
.wrap{width:min(1180px,100% - 40px);margin-inline:auto}
h1,h2,h3,h4{color:var(--navy);line-height:1.2;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.4vw,3.2rem);font-weight:800;margin:.25em 0 .4em}
h2{font-size:clamp(1.55rem,3vw,2.2rem);font-weight:800;margin:0 0 .6em}
h3{font-size:1.2rem;font-weight:700;margin:1.5em 0 .4em}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em;margin:0 0 1em}
li{margin-bottom:.4em}
section{padding:64px 0}
.section-alt{background:var(--pearl)}
.section-head{max-width:720px;margin:0 0 32px}
.section-head p{color:var(--muted)}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--emerald);margin-bottom:.6rem}
.lead{font-size:1.14rem;color:var(--muted)}
.muted{color:var(--muted)}
.note{font-size:.9rem;color:var(--muted)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.82rem 1.35rem;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit;line-height:1.2;transition:transform .2s,background .2s,color .2s,border-color .2s}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--emerald);color:#fff}
.btn-primary:hover{background:#2a7059;color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--blue);color:#fff}
.btn-ghost{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-wa{background:var(--wa);color:#fff}
.btn-wa:hover{background:#18904a;color:#fff}
.btn-sm{padding:.55rem 1rem;font-size:.92rem}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin:1.6rem 0 0}
.hero{padding:56px 0 64px;background:linear-gradient(180deg,#fff 0%,var(--warm) 100%)}
.hero-grid,.page-hero-grid,.split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
.page-hero{padding:56px 0 24px}
.hero-img,.split-img{border-radius:24px;overflow:hidden;box-shadow:var(--shadow)}
.hero-img img,.split-img img{width:100%;height:100%;object-fit:cover}
.split-img img{aspect-ratio:4/3}
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:20px}
.card{background:#fff;border-radius:var(--radius);padding:24px;border:1px solid #eef1f4;box-shadow:0 1px 2px rgba(0,0,0,.04),0 10px 26px -18px rgba(24,54,83,.35);transition:transform .25s,box-shadow .25s,border-color .25s;color:inherit;display:block}
a.card{text-decoration:none}
a.card:hover{transform:translateY(-4px);border-color:#d5dee7;color:inherit}
.card h3{margin-top:0}
.card p{color:var(--muted);font-size:.96rem;margin:0}
.card .icon{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;background:#e4f1ec;color:var(--emerald);font-weight:800;margin-bottom:14px}
.card-img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:12px;margin-bottom:16px}
.tag{display:inline-block;background:#e4f1ec;color:#1f5e4b;font-size:.78rem;font-weight:700;padding:.2rem .6rem;border-radius:999px;margin-bottom:10px}
.meta{font-size:.88rem;color:var(--muted);margin:0 0 8px}
.callout{background:#fff;border-left:4px solid var(--gold);padding:18px 22px;border-radius:12px;margin:1.6rem 0;box-shadow:0 1px 2px rgba(0,0,0,.03)}
.callout.green{border-color:var(--emerald)}
.callout p:last-child{margin-bottom:0}
.example{background:var(--navy);color:#fff;border-radius:var(--radius);padding:24px 26px;margin:1.6rem 0}
.example h3{color:#fff;margin-top:0}
.example p,.example li{color:#dce6ef}
.example strong{color:var(--gold)}
.checklist{list-style:none;padding:0}
.checklist li{position:relative;padding-left:32px;margin-bottom:12px}
.checklist li::before{content:"";position:absolute;left:0;top:.4em;width:18px;height:18px;border-radius:50%;background:var(--emerald) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round' d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") center/12px no-repeat}
.steps{counter-reset:s;list-style:none;padding:0}
.steps li{counter-increment:s;position:relative;padding-left:58px;margin-bottom:22px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}
.steps h3{margin:.1em 0 .2em}
.steps p{margin:0}
.table-wrap{overflow-x:auto;border-radius:12px;margin:1rem 0}
table{width:100%;border-collapse:collapse;background:#fff;font-size:.96rem}
th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--pearl);vertical-align:top}
thead th{background:var(--navy);color:#fff;font-weight:700}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
tbody th{background:#f1f5f8;color:var(--navy)}
details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 22px;margin-bottom:12px}
summary{cursor:pointer;font-weight:700;color:var(--navy);padding:18px 0;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:1.5rem;line-height:1;color:var(--emerald);font-weight:500}
details[open] summary::after{content:"\2212"}
details p,details ul{margin:0 0 18px;color:var(--muted)}
.faq-group{margin-bottom:44px}
.calc{background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(20px,3vw,32px);box-shadow:0 1px 2px rgba(0,0,0,.03),0 18px 40px -30px rgba(24,54,83,.4);margin-bottom:28px;scroll-margin-top:100px}
.calc-head{display:flex;gap:14px;align-items:flex-start;margin-bottom:6px}
.calc-head .icon{flex:0 0 44px;width:44px;height:44px;border-radius:12px;display:grid;place-items:center;background:#e4f1ec;color:var(--emerald);font-weight:800}
.calc-head h2{font-size:1.4rem;margin:0 0 4px}
.calc-head p{margin:0;color:var(--muted);font-size:.95rem}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:start;margin-top:22px}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px}
.fields .full{grid-column:1/-1}
.field{display:grid;gap:6px;align-content:start}
.field label{font-weight:700;font-size:.92rem;color:var(--navy)}
.field input,.field select{font:inherit;width:100%;padding:11px 13px;border:1.5px solid #cbd5df;border-radius:10px;background:#fff;color:var(--graphite)}
.field input:focus,.field select:focus{outline:none;border-color:var(--emerald);box-shadow:0 0 0 3px rgba(50,131,107,.2)}
.field .hint{font-size:.83rem;color:var(--muted);margin:0}
.field-error{font-size:.85rem;color:#b42318;font-weight:600}
.field-error:empty{display:none}
.invalid{border-color:#b42318!important;background:#fff8f7!important}
.form-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.result-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin-bottom:16px}
.result{background:var(--warm);border:1px solid var(--line);border-radius:14px;padding:14px 16px}
.result span{display:block;font-size:.84rem;color:var(--muted);font-weight:600}
.result strong{font-size:1.35rem;color:var(--navy);font-weight:800;overflow-wrap:anywhere}
.result.good strong{color:var(--emerald)}
.result.bad strong{color:#b42318}
.bar{height:14px;background:var(--pearl);border-radius:999px;overflow:hidden;margin:10px 0 18px}
.bar span{display:block;height:100%;background:linear-gradient(90deg,var(--emerald),var(--gold));border-radius:inherit;transition:width .6s ease}
.msg{padding:12px 14px;border-radius:10px;font-size:.95rem;margin:14px 0}
.msg.ok{background:#e6f4ee;color:#1d5e48}
.msg.warn{background:#fbf3e4;color:#6b4b10}
.msg.err{background:#fdecea;color:#8a1f15}
.calc-result table{margin:6px 0 0}
.calc-result p{font-size:.97rem}
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px}
.chip{border:1.5px solid var(--navy);background:transparent;color:var(--navy);padding:.5rem 1rem;border-radius:999px;font:inherit;font-weight:700;font-size:.92rem;cursor:pointer}
.chip:hover{background:var(--pearl)}
.chip[aria-pressed=true]{background:var(--navy);color:#fff}
.resource-count{font-size:.92rem;color:var(--muted);margin:-12px 0 20px}
.article{max-width:780px;margin:0 auto}
.article h2{margin-top:1.8em;font-size:1.6rem}
.article h3{margin-top:1.4em}
.article-img{border-radius:20px;margin:26px 0;box-shadow:var(--shadow);aspect-ratio:4/3;object-fit:cover;width:100%}
.crumbs{font-size:.9rem;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted)}
.legal{max-width:820px;margin:0 auto}
.legal h2{margin-top:1.7em;font-size:1.4rem}
.legal h3{font-size:1.05rem}
.legal table{margin:1rem 0}
.post-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(270px,1fr));gap:22px}
.cta{background:var(--navy);color:#fff;border-radius:24px;padding:clamp(28px,4vw,48px);display:grid;grid-template-columns:1.2fr auto;gap:24px;align-items:center}
.cta h2{color:#fff;margin:0 0 .3em}
.cta p{color:#d3dee8;margin:0}
.form{display:grid;gap:16px}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:36px;align-items:start}
.contact-list{list-style:none;padding:0;margin:0 0 24px}
.contact-list li{padding:16px 0;border-bottom:1px solid var(--line);margin:0}
.contact-list strong{display:block;color:var(--navy);font-size:.9rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:2px}
.contact-list a{font-weight:700}
.wide-img img{width:100%;border-radius:24px;aspect-ratio:21/9;object-fit:cover;box-shadow:var(--shadow)}
.check-field{display:flex;gap:10px;align-items:flex-start;font-weight:500!important;color:var(--graphite)!important;font-size:.92rem}
.check-field input{width:18px;height:18px;margin-top:4px;accent-color:var(--emerald);flex:0 0 auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(248,249,246,.94);backdrop-filter:saturate(1.4) blur(12px);-webkit-backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid var(--line)}
.nav-wrap{height:74px;display:flex;align-items:center;justify-content:space-between;gap:16px;position:relative}
.brand{display:inline-flex;align-items:center;text-decoration:none;flex:0 0 auto}
.brand svg,.foot-brand svg{height:42px;width:auto}
.main-nav{display:flex;align-items:center;gap:2px}
.main-nav>a,.main-nav summary{color:var(--graphite);text-decoration:none;font-weight:600;font-size:.93rem;padding:8px 10px;border-radius:8px;cursor:pointer;white-space:nowrap;list-style:none}
.main-nav>a:hover,.main-nav summary:hover{background:var(--pearl);color:var(--navy)}
.main-nav [aria-current=page]{color:var(--emerald);background:#e6f2ee}
.main-nav summary.is-active{color:var(--emerald)}
.menu{position:relative;padding:0;margin:0;background:none;border:0;border-radius:0}
.menu summary{padding:8px 10px;margin:0;font-size:.93rem;font-weight:600;display:flex;align-items:center;gap:4px;color:var(--graphite)}
.menu summary::after{content:"\25BE";font-size:.8em;color:inherit;font-weight:400;line-height:1}
.menu[open] summary{background:var(--pearl)}
.submenu{position:absolute;top:calc(100% + 8px);left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:8px;display:grid;gap:2px;z-index:5}
.submenu a{padding:9px 12px;border-radius:9px;color:var(--graphite);text-decoration:none;font-size:.94rem;font-weight:600}
.submenu a:hover,.submenu a[aria-current=page]{background:var(--pearl);color:var(--navy)}
.nav-toggle{display:none}
.site-footer{background:var(--navy);color:#cfdbe6;padding:56px 0 28px}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.25fr;gap:34px}
.site-footer h4{color:#fff;font-size:.95rem;margin:0 0 12px;letter-spacing:.03em}
.site-footer a{color:#e7eef5;text-decoration:none;display:block;padding:3px 0;font-size:.94rem}
.site-footer a:hover{color:var(--gold)}
.site-footer p{font-size:.94rem;margin:0 0 12px;color:#cfdbe6}
.foot-brand p{margin-top:16px!important}
.foot-legal{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:38px;padding-top:22px;border-top:1px solid rgba(255,255,255,.14)}
.foot-legal a{display:inline;font-size:.88rem}
.link-btn{background:none;border:0;padding:0;color:#e7eef5;font:inherit;font-size:.88rem;cursor:pointer;text-decoration:underline;text-underline-offset:3px}
.link-btn:hover{color:var(--gold)}
.foot-copy{margin-top:16px}
.foot-copy p{font-size:.84rem;color:#a9bccd;margin:0 0 6px}
.wa-float{position:fixed;right:18px;bottom:18px;width:58px;height:58px;border-radius:50%;background:var(--wa);color:#fff;display:grid;place-items:center;box-shadow:0 12px 28px -10px rgba(0,0,0,.45);z-index:45;transition:transform .2s}
.wa-float:hover{transform:scale(1.06);color:#fff}
.wa-float svg{width:28px;height:28px}
.cookie{position:fixed;left:14px;right:14px;bottom:14px;max-width:940px;margin-inline:auto;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:0 24px 60px -20px rgba(24,54,83,.5);padding:18px 20px;z-index:70}
.ck-main{display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.ck-main p{margin:0;font-size:.93rem;flex:1 1 380px}
.ck-btns{display:flex;gap:8px;flex-wrap:wrap}
.ck-prefs{margin-top:14px;display:grid;gap:10px;border-top:1px solid var(--line);padding-top:14px}
.ck-opt{display:flex;gap:10px;font-size:.92rem;align-items:flex-start;cursor:pointer}
.ck-opt input{margin-top:5px;width:18px;height:18px;accent-color:var(--emerald);flex:0 0 auto}
.ck-prefs .ck-btns{justify-content:flex-end}
.veil{position:fixed;inset:0;background:var(--warm);display:grid;place-items:center;z-index:100;opacity:0;pointer-events:none;transition:opacity .22s ease}
.veil.on{opacity:1;pointer-events:auto}
.veil-logo{animation:veilIn .45s ease both}
.veil-logo svg{width:min(280px,70vw);height:auto}
@keyframes veilIn{from{opacity:0;transform:scale(.96)}to{opacity:1;transform:none}}
.js .reveal{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.js .reveal.in{opacity:1;transform:none}
@media (max-width:1140px){.nav-wa{display:none}}
@media (max-width:960px){
.nav-toggle{display:inline-flex;flex-direction:column;gap:5px;align-items:center;justify-content:center;width:44px;height:44px;background:#fff;border:1px solid var(--line);border-radius:10px;cursor:pointer;padding:0}
.nav-toggle span{display:block;width:20px;height:2px;background:var(--navy);border-radius:2px}
.main-nav{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:10px 20px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);max-height:calc(100vh - 74px);overflow:auto}
.main-nav.open{display:flex}
.main-nav>a,.main-nav summary{padding:12px 10px;font-size:1rem}
.submenu{position:static;box-shadow:none;border:0;padding:0 0 8px 14px;min-width:0}
.hero-grid,.page-hero-grid,.split,.contact-grid,.calc-grid{grid-template-columns:1fr}
.cta{grid-template-columns:1fr}
.foot-grid{grid-template-columns:1fr 1fr}
section{padding:48px 0}
}
@media (max-width:620px){
body{font-size:16px}
.fields{grid-template-columns:1fr}
.foot-grid{grid-template-columns:1fr}
.hero{padding:36px 0 44px}
.wide-img img{aspect-ratio:4/3}
}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{transition:none!important;animation:none!important;scroll-behavior:auto!important}.js .reveal{opacity:1;transform:none}}