:root{--navy:#07253d;--navy2:#0b3452;--green:#079238;--green2:#18aa45;--ink:#10273b;--muted:#607181;--line:#dce5e8;--pale:#f4f8f6;--white:#fff;--shadow:0 22px 55px rgba(7,37,61,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:88px}body{margin:0;color:var(--ink);background:#fff;font-family:Manrope,Arial,sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit}.container{width:min(1160px,calc(100% - 40px));margin:auto}.skip-link{position:fixed;top:-60px;left:20px;background:#fff;padding:12px 18px;z-index:100;color:var(--navy)}.skip-link:focus{top:12px}.site-header{height:78px;background:rgba(255,255,255,.95);border-bottom:1px solid rgba(13,34,57,.08);position:sticky;top:0;z-index:30;backdrop-filter:blur(14px)}.nav-wrap{height:100%;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-size:18px;font-weight:800;line-height:1}.brand img{object-fit:contain}.brand small{display:block;font-size:8px;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);margin-top:5px}.main-nav{display:flex;align-items:center;gap:26px}.main-nav>a:not(.button){text-decoration:none;font-size:12px;font-weight:700;color:#425667}.main-nav>a:hover{color:var(--green)}.button{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 21px;background:linear-gradient(135deg,var(--green),var(--green2));color:#fff;text-decoration:none;border-radius:10px;font-size:12px;font-weight:800;box-shadow:0 10px 25px rgba(7,146,56,.2);transition:.25s}.button:hover{transform:translateY(-2px);filter:brightness(1.04)}.button-small{padding:12px 16px}.button-large{padding:17px 25px;font-size:13px}.menu-button{display:none;border:0;background:none;padding:8px}.menu-button span{display:block;width:24px;height:2px;margin:5px;background:var(--navy)}
.article-hero{position:relative;overflow:hidden;background:linear-gradient(125deg,#f2f8f4 0%,#fff 60%);border-bottom:1px solid var(--line)}.article-hero:before{content:"";position:absolute;width:620px;height:620px;border:1px solid rgba(7,146,56,.1);border-radius:50%;right:-270px;top:-320px}.hero-grid{position:relative;display:grid;grid-template-columns:1.35fr .65fr;gap:72px;align-items:center;padding:74px 0 78px}.breadcrumb{display:flex;gap:9px;align-items:center;font-size:10px;color:#758593;margin-bottom:34px}.breadcrumb a{text-decoration:none}.breadcrumb a:hover{color:var(--green)}.eyebrow,.section-label{font-size:10px;text-transform:uppercase;letter-spacing:.17em;font-weight:800;color:var(--green)}h1,h2,h3,p{margin-top:0}.hero-copy h1{font-size:clamp(40px,4.2vw,61px);line-height:1.07;letter-spacing:-.052em;margin:17px 0 25px}.hero-copy h1 em{font-style:normal;color:var(--green)}.lead{font-size:17px;line-height:1.8;color:var(--muted);max-width:760px}.article-meta{display:flex;align-items:center;flex-wrap:wrap;gap:10px;color:#748491;font-size:10px;font-weight:600;margin-top:29px}.article-meta i{width:3px;height:3px;border-radius:50%;background:#aab6be}.hero-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:23px;box-shadow:var(--shadow)}.hero-card img{display:block;width:100%;height:180px;object-fit:contain;margin-bottom:10px}.hero-card strong{font-size:16px;line-height:1.4}.hero-card p{font-size:11px;color:var(--muted);line-height:1.6;margin:7px 0 17px}.hero-card .button{width:100%}
.content-layout{display:grid;grid-template-columns:200px minmax(0,780px);gap:72px;justify-content:center;align-items:start;padding-top:75px;padding-bottom:110px}.toc{position:sticky;top:110px;border-left:2px solid #dce8df;padding-left:19px;display:flex;flex-direction:column;gap:14px}.toc strong{font-size:11px;text-transform:uppercase;letter-spacing:.12em;color:var(--green);margin-bottom:4px}.toc a{font-size:11px;color:#607181;text-decoration:none;line-height:1.45}.toc a:hover{color:var(--green)}.article-body{min-width:0}.article-body section{padding-top:28px;margin-top:54px}.article-body h2{font-size:clamp(29px,3.1vw,40px);line-height:1.2;letter-spacing:-.035em;margin:13px 0 21px}.article-body h3{font-size:20px;line-height:1.35;margin:31px 0 10px}.article-body p{font-size:15px;line-height:1.88;color:#4f6474;margin-bottom:18px}.article-body strong{color:var(--ink)}.opening{font-size:19px!important;line-height:1.8!important;color:#294256!important}.opening:first-letter{float:left;font-size:65px;line-height:.8;font-weight:800;color:var(--green);padding:8px 8px 0 0}.definition{border-left:4px solid var(--green);background:var(--pale);padding:23px 26px;margin:30px 0;border-radius:0 12px 12px 0}.definition b{font-size:10px;text-transform:uppercase;letter-spacing:.13em;color:var(--green)}.definition p{margin:8px 0 0;font-size:17px;color:var(--ink);font-weight:700;line-height:1.6}.feature-image{margin:65px 0 38px}.feature-image img{display:block;width:100%;height:auto;max-height:645px;object-fit:cover;border-radius:20px;background:#000}.feature-image figcaption{font-size:10px;color:#7a8994;margin-top:10px;text-align:center}.loss-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:30px 0}.loss-grid article{border:1px solid var(--line);border-radius:14px;padding:22px}.loss-grid span{font-size:9px;color:var(--green);font-weight:800;letter-spacing:.12em}.loss-grid h3{font-size:16px;margin:14px 0 7px}.loss-grid p{font-size:12px;line-height:1.7;margin:0}blockquote{margin:38px 0;padding:30px 34px;background:var(--navy);border-radius:16px;color:#fff}blockquote p{color:#fff!important;font-size:20px!important;font-weight:700;line-height:1.55!important;margin:0!important}blockquote p:before{content:"“";color:#4ed36d;font-size:42px;line-height:0;vertical-align:-12px;margin-right:6px}.size-table{overflow-x:auto;border:1px solid var(--line);border-radius:14px;margin:27px 0}table{border-collapse:collapse;width:100%;min-width:700px;text-align:left}th,td{padding:17px 16px;border-bottom:1px solid var(--line);font-size:11px;line-height:1.55;vertical-align:top}thead th{background:var(--navy);color:#fff;font-size:9px;text-transform:uppercase;letter-spacing:.08em}tbody th{color:var(--green);font-size:12px}tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}.note{background:#fff8e8;border:1px solid #f1dfaf;border-radius:11px;padding:17px 19px;color:#675b3a;font-size:11px;line-height:1.7}.benefit-list{border-top:1px solid var(--line);margin-top:28px}.benefit-list article{display:grid;grid-template-columns:48px 1fr;gap:18px;padding:24px 0;border-bottom:1px solid var(--line)}.benefit-list article>b{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:#e8f6ec;color:var(--green);font-size:10px}.benefit-list h3{font-size:17px;margin:0 0 7px}.benefit-list p{font-size:12px;line-height:1.7;margin:0}.inline-cta{display:grid;grid-template-columns:115px 1fr auto;gap:22px;align-items:center;background:linear-gradient(125deg,#082940,#0a3f50);color:#fff;border-radius:18px;padding:22px;margin:40px 0}.inline-cta img{width:115px;height:82px;object-fit:contain;background:#fff;border-radius:10px}.inline-cta span{font-size:8px;text-transform:uppercase;letter-spacing:.13em;color:#72da8b}.inline-cta h3{font-size:15px;line-height:1.45;margin:6px 0}.inline-cta .button{white-space:nowrap}.kpi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:13px;margin-top:28px}.kpi-grid article{background:var(--pale);border-radius:13px;padding:20px}.kpi-grid strong{font-size:13px}.kpi-grid p{font-size:11px;line-height:1.65;margin:8px 0 0}.check-list{list-style:none;padding:0;margin:28px 0}.check-list li{position:relative;padding:15px 15px 15px 42px;border-bottom:1px solid var(--line);font-size:12px;line-height:1.7;color:#526676}.check-list li:before{content:"✓";position:absolute;left:10px;top:15px;width:21px;height:21px;border-radius:50%;display:grid;place-items:center;background:#e4f7e9;color:var(--green);font-weight:800}.steps{list-style:none;padding:0;margin:30px 0}.steps li{display:grid;grid-template-columns:52px 1fr;gap:20px;position:relative;padding-bottom:25px}.steps li:not(:last-child):before{content:"";position:absolute;left:25px;top:50px;bottom:0;width:1px;background:#bed4c4}.steps li>b{width:50px;height:50px;border:1px solid #abd1b6;color:var(--green);border-radius:50%;display:grid;place-items:center}.steps h3{font-size:17px;margin:4px 0 6px}.steps p{font-size:12px;line-height:1.7;margin:0}.conclusion{background:var(--pale);border-radius:20px;padding:38px!important;margin-top:75px!important}.conclusion h2{font-size:34px}.conclusion .button{margin-top:10px}.faq-section{padding-top:68px!important}.faq-list{border-top:1px solid var(--line);margin-top:28px}.faq-item{border-bottom:1px solid var(--line)}.faq-item button{width:100%;border:0;background:none;padding:20px 0;display:flex;justify-content:space-between;gap:20px;text-align:left;font:700 13px Manrope;color:var(--ink);cursor:pointer}.faq-item button i{font-style:normal;font-size:20px;color:var(--green);transition:.2s}.faq-item>div{display:grid;grid-template-rows:0fr;transition:.3s}.faq-item>div p{overflow:hidden;margin:0;font-size:12px;line-height:1.75}.faq-item.open>div{grid-template-rows:1fr}.faq-item.open>div p{padding:0 35px 20px 0}.faq-item.open button i{transform:rotate(45deg)}
.final-cta{background:linear-gradient(120deg,#06263e,#0a4b49);color:#fff;padding:80px 0}.final-cta .container{display:grid;grid-template-columns:230px 1fr;gap:55px;align-items:center;max-width:950px}.final-cta img{width:230px;height:184px;object-fit:contain;background:#fff;border-radius:18px;padding:12px}.final-cta span{font-size:9px;text-transform:uppercase;letter-spacing:.16em;color:#72de8b;font-weight:800}.final-cta h2{font-size:clamp(33px,4vw,47px);line-height:1.14;letter-spacing:-.045em;margin:13px 0 16px}.final-cta p{color:#bed0d7;font-size:13px;line-height:1.75;max-width:610px}.button-light{background:#fff;color:var(--navy);box-shadow:none}footer{background:#041927;color:#c3d0d6;padding:48px 0 22px}.footer-main{display:grid;grid-template-columns:1fr 1fr 1fr;align-items:center;padding-bottom:35px}.brand-light{color:#fff}.brand-light small{color:#89a0ac}.footer-main>p{font-size:10px;line-height:1.7;margin:0}.footer-main nav{display:flex;justify-content:end;gap:24px}.footer-main nav a,.footer-bottom a{font-size:10px;text-decoration:none}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:18px;display:flex;justify-content:space-between;color:#718993;font-size:9px}.reveal{opacity:0;transform:translateY(18px);transition:opacity .65s,transform .65s}.reveal.visible{opacity:1;transform:none}
@media(max-width:950px){.menu-button{display:block}.main-nav{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;padding:24px 20px;box-shadow:0 18px 30px rgba(8,30,52,.12);flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.hero-grid{grid-template-columns:1fr;gap:42px}.hero-card{max-width:520px}.content-layout{grid-template-columns:1fr;max-width:820px}.toc{display:none}.inline-cta{grid-template-columns:100px 1fr}.inline-cta .button{grid-column:2}.kpi-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.container{width:min(100% - 28px,1160px)}.site-header{height:68px}.brand img{width:42px;height:42px}.main-nav{top:68px}.hero-grid{padding:45px 0 55px}.breadcrumb{margin-bottom:25px}.hero-copy h1{font-size:38px}.lead{font-size:15px}.hero-card img{height:145px}.content-layout{padding-top:50px;padding-bottom:75px}.opening{font-size:17px!important}.article-body h2{font-size:30px}.article-body p{font-size:14px}.loss-grid,.kpi-grid{grid-template-columns:1fr}.feature-image{margin-inline:-14px}.feature-image img{border-radius:12px}.inline-cta{grid-template-columns:1fr;padding:22px}.inline-cta img{width:100%;height:105px}.inline-cta .button{grid-column:1}.benefit-list article{grid-template-columns:42px 1fr}.conclusion{padding:27px 22px!important;margin-inline:-4px}.conclusion h2{font-size:29px}.final-cta{padding:65px 0}.final-cta .container{grid-template-columns:1fr;gap:28px}.final-cta img{width:180px;height:145px}.footer-main{grid-template-columns:1fr;gap:23px}.footer-main nav{justify-content:start}.footer-bottom{flex-direction:column;gap:10px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1;transform:none;transition:none}.button{transition:none}}