:root{--bg: #e8f1fa;--bg-2: #f4f8fd;--white: #ffffff;--navy: #0a1f44;--navy-2: #16315f;--sky: #3b82f6;--sky-soft: #dbeafe;--ink: #0a1f44;--muted: #5b6b82;--line: #c9dcea;--ok: #0f766e;--warn: #b45309;--bad: #be123c;--high-bg: #fff1f2;--med-bg: #fff7ed;--info-bg: #ecfdf5;--sans: "Inter", "Segoe UI", sans-serif;--display: "Barlow Condensed", "Arial Narrow", sans-serif}*{box-sizing:border-box}html,body{margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.55;min-height:100vh}a{color:var(--sky);text-decoration-thickness:1px}a:hover{color:var(--navy)}.wrap{width:min(1080px,calc(100% - 32px));margin:0 auto}.site-header{position:sticky;top:0;z-index:30;background:color-mix(in srgb,var(--bg) 90%,white);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 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h1{font-family:var(--display);font-weight:800;font-size:clamp(2.1rem,5.4vw,3.75rem);letter-spacing:-.02em;text-transform:uppercase;margin:0 0 18px;max-width:22ch}.hero h1 .hero-rest{white-space:nowrap}h2{font-family:var(--display);font-weight:700;font-size:clamp(1.8rem,3.4vw,2.6rem);letter-spacing:0;text-transform:uppercase;margin:0 0 14px}h3{font-size:1.05rem;margin:0 0 8px;font-weight:700}.lede{font-size:1.12rem;color:var(--muted);margin:0 0 24px;max-width:38rem}.hero-actions{display:flex;flex-wrap:wrap;gap:10px}.btn{font:inherit;font-weight:650;border-radius:4px;padding:12px 20px;border:1px solid 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color-mix(in srgb,var(--navy) 12%,transparent)}.sheet-head{display:flex;justify-content:space-between;gap:12px;padding:12px 18px;border-bottom:1px solid var(--line);font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:var(--muted)}.sheet-body{padding:20px 18px 22px}.sheet h2,.panel h2{font-family:var(--sans);text-transform:none;font-size:1.12rem;letter-spacing:-.03em;font-weight:700}.panel{padding:0}.panel+.panel{margin-top:18px;padding-top:18px;border-top:1px solid var(--line)}.row{display:grid;gap:14px}@media(min-width:720px){.row-2{grid-template-columns:1fr 1fr;align-items:start}}label.field{display:grid;grid-template-rows:auto auto auto;align-content:start;gap:6px;font-size:.86rem;font-weight:650;color:var(--navy)}label.field span.hint{display:block;font-weight:400;color:var(--muted)}select,input[type=text]{font:inherit;padding:11px 12px;min-height:44px;border:1px solid var(--line);border-radius:4px;background:var(--bg-2);color:var(--ink)}.drop{display:flex;flex-direction:column;align-items:center;width:100%;position:relative;margin-top:16px;border:1.5px dashed #9dc0de;padding:36px 16px;text-align:center;background:var(--bg-2);cursor:pointer}.drop.is-drag{border-color:var(--sky);background:var(--sky-soft)}.drop strong{display:block;font-size:1.02rem;margin-bottom:4px;color:var(--navy)}.drop p{margin:0;color:var(--muted);font-size:.9rem}.drop input[type=file]{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.status{margin-top:12px;font-size:.92rem;color:var(--muted)}.status.error{color:var(--bad)}.section{padding:64px 0 12px}.section-label{font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--sky);font-weight:700;margin:0 0 8px}.section-label.on-dark{color:#9ec0f0}.section-intro{color:var(--muted);max-width:36rem;margin:0}.get-list{display:grid;gap:0;margin-top:28px;border-top:1px solid var(--line)}.get-list article{display:grid;grid-template-columns:4.5rem 1fr;gap:16px;padding:22px 0;border-bottom:1px solid var(--line)}.get-n{font-family:var(--display);font-weight:800;font-size:1.5rem;color:var(--sky);letter-spacing:.04em}.get-list p{margin:0;color:var(--muted)}.flow-band{margin-top:40px;background:var(--navy);color:#fff;padding:56px 0 48px}.flow-band h2{color:#fff}.flow{display:grid;gap:28px;margin:28px 0 0;padding:0;list-style:none;counter-reset:flow}@media(min-width:800px){.flow{grid-template-columns:repeat(3,1fr);gap:32px}}.flow li{counter-increment:flow}.flow li:before{content:counter(flow,decimal-leading-zero);display:block;font-family:var(--display);font-weight:800;font-size:2rem;color:#7eb0f5;margin-bottom:8px}.flow h3{color:#fff}.flow p{margin:0;color:#c5d4ea;font-size:.95rem}.split{display:grid;gap:32px;align-items:start}@media(min-width:800px){.split{grid-template-columns:.9fr 1.1fr;gap:64px}}.plain-list{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}.plain-list li{padding:18px 0;border-bottom:1px solid var(--line)}.plain-list p{margin:0;color:var(--muted)}.trade-row{display:flex;flex-wrap:wrap;gap:8px 28px;padding:8px 0 0;margin:0;list-style:none;font-family:var(--display);font-size:1.45rem;font-weight:700;text-transform:uppercase;color:var(--navy)}.trade-row li{border-bottom:2px solid var(--sky-soft)}.why-row{display:grid;gap:28px;margin-top:20px}@media(min-width:800px){.why-row{grid-template-columns:repeat(3,1fr)}}.why-row p{margin:0;color:var(--muted)}.faq-wrap{max-width:42rem}.faq{display:grid;gap:0;border-top:1px solid var(--line)}.faq details{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:650;padding:16px 0;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq details p{margin:0 0 16px;color:var(--muted)}.cta-band{margin-top:48px;background:var(--navy);color:#fff;padding:48px 0}.cta-inner{display:grid;gap:16px}@media(min-width:800px){.cta-inner{grid-template-columns:1fr auto;align-items:center}}.cta-band h2{color:#fff;margin:0 0 8px}.cta-band p{margin:0;color:#c5d4ea}.site-footer{background:#07152e;color:#9aaaba;padding:40px 0 28px;font-size:.9rem}.footer-inner{display:grid;gap:24px;padding-bottom:24px}@media(min-width:800px){.footer-inner{grid-template-columns:1.5fr 1fr 1fr}}.footer-brand{color:#fff;font-family:var(--display);font-size:1.3rem;font-weight:700;text-transform:uppercase;margin-bottom:8px}.footer-col{display:grid;gap:8px;align-content:start}.site-footer a{color:#9aaaba;text-decoration:none}.site-footer a:hover{color:#fff}.footer-copy{border-top:1px solid #1a2d4d;padding-top:16px;font-size:.82rem}.prose-page{padding:36px 0 48px}.prose{max-width:42rem}.prose h1{font-size:clamp(2.2rem,5vw,3.2rem);max-width:none;text-transform:uppercase}.prose h2{font-size:1.35rem;margin-top:1.7em}.prose p,.prose li{color:#3e4d63}.prose ul{padding-left:1.15rem}.eyebrow{font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--sky);margin:0 0 8px}.report-summary{font-size:1.05rem;margin:0 0 16px;color:var(--navy)}.flag{padding:12px 14px;margin:0 0 10px;border:1px solid var(--line);background:var(--bg-2)}.flag.high{background:var(--high-bg);border-color:#fecdd3}.flag.medium{background:var(--med-bg);border-color:#fed7aa}.flag.info{background:var(--info-bg);border-color:#a7f3d0}.flag h3{font-size:.98rem;margin:0 0 4px}.flag p{margin:0;font-size:.92rem;color:#3e4d63}.flag .excerpt{margin-top:8px;font-size:.82rem;color:var(--muted);font-style:italic}.level{font-size:.68rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:var(--muted)}.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}.chips li{background:var(--sky-soft);padding:6px 10px;font-size:.85rem;color:var(--navy-2)}.q{margin:0 0 12px}.q p{margin:0}.q .ask{font-weight:650}.q .why{color:var(--muted);font-size:.9rem;margin-top:2px}.jargon dt{font-weight:700;margin-top:10px}.jargon dd{margin:0;color:var(--muted)}.disclaimer,.paywall-note{font-size:.86rem;color:var(--muted);margin-top:18px}.paywall-note{padding:14px 16px;border:1px solid var(--line);background:var(--bg-2)}.hidden{display:none!important}.cookie-banner{position:fixed;z-index:80;left:0;right:0;bottom:0;background:var(--white);border-top:1px solid var(--line);box-shadow:0 -8px 24px #0a1f4414;padding:16px 0}.cookie-banner[hidden]{display:none!important}.cookie-inner{width:min(1080px,calc(100% - 32px));margin:0 auto;display:grid;gap:14px}@media(min-width:720px){.cookie-inner{grid-template-columns:1fr auto;align-items:center}}.cookie-title{font-family:var(--display);font-weight:800;text-transform:uppercase;letter-spacing:.04em;margin:0 0 4px;color:var(--navy)}.cookie-inner p:last-of-type{margin:0;color:var(--muted);font-size:.9rem}.cookie-actions{display:flex;flex-wrap:wrap;gap:8px}.cookie-reject{background:var(--white)}@media(max-width:700px){.header-nav a:not(.header-cta){display:none}.get-list article{grid-template-columns:3.2rem 1fr}}