:root{--navy:#0f2c44;--navy-2:#173d5c;--sea:#1d7a6c;--sea-2:#15645a;--sand:#f4b63f;--sand-soft:#fff4dc;--ink:#1b2530;--muted:#5a6773;--line:#e3e7eb;--bg:#ffffff;--bg-soft:#f5f7f6;--radius:14px;--shadow:0 1px 2px rgba(15,44,68,.06),0 8px 24px rgba(15,44,68,.08);--max:1120px;--font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:1.0625rem}img{max-width:100%;height:auto;display:block}a{color:var(--sea-2)}a:hover{color:var(--navy)}h1,h2,h3{line-height:1.2;color:var(--navy);letter-spacing:-.01em}h1{font-size:clamp(2rem,4.5vw,3.1rem);margin:.2em 0 .4em}h2{font-size:clamp(1.45rem,2.6vw,2rem);margin:1.6em 0 .5em}h3{font-size:1.2rem;margin:1.4em 0 .4em}p{margin:0 0 1em}.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}.skip{position:absolute;left:-999px;top:0;background:var(--sand);padding:8px 12px;z-index:100}.skip:focus{left:8px}.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.08rem}.brand svg{flex:none}.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap}.nav a{display:block;padding:8px 12px;border-radius:999px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.97rem}.nav a:hover,.nav a[aria-current="page"]{background:var(--bg-soft);color:var(--navy)}.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 10px;font:inherit;font-weight:600;color:var(--navy)}@media (max-width:760px){.nav-toggle{display:block}.nav{display:none;position:absolute;left:0;right:0;top:64px;background:#fff;border-bottom:1px solid var(--line);padding:8px 12px 14px}.nav.open{display:block}.nav ul{flex-direction:column}.no-js .nav{display:block;position:static;border:0;padding:0}.no-js .nav-toggle{display:none}.no-js .site-header .wrap{flex-wrap:wrap;padding-bottom:8px}}.btn{display:inline-flex;align-items:center;gap:8px;background:var(--sea);color:#fff;text-decoration:none;font-weight:700;padding:12px 20px;border-radius:999px;border:0;cursor:pointer;font:inherit;font-weight:700;line-height:1.2}.btn:hover{background:var(--sea-2);color:#fff}.btn.alt{background:#fff;color:var(--navy);box-shadow:inset 0 0 0 2px rgba(255,255,255,.0),0 0 0 2px var(--navy) inset}.btn.alt:hover{background:var(--navy);color:#fff}.btn.sand{background:var(--sand);color:var(--navy)}.btn.sand:hover{background:#e7a722;color:var(--navy)}.btn[disabled]{opacity:.55;cursor:not-allowed}.hero{background:linear-gradient(180deg,#eef5f3 0%,#fff 100%);padding:48px 0 40px}.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}.hero .eyebrow{display:inline-block;background:var(--sand-soft);color:#7a5200;font-weight:700;font-size:.85rem;padding:5px 12px;border-radius:999px}.hero p.lead{font-size:1.2rem;color:var(--muted);max-width:36em}.hero .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}.hero figure{margin:0;border-radius:22px;overflow:hidden;box-shadow:var(--shadow);aspect-ratio:4/3}.hero figure img{width:100%;height:100%;object-fit:cover}@media (max-width:860px){.hero .wrap{grid-template-columns:1fr}.hero figure{order:-1;aspect-ratio:16/9}}.page-head{background:var(--bg-soft);padding:40px 0 28px;border-bottom:1px solid var(--line)}.page-head p{color:var(--muted);font-size:1.1rem;max-width:42em}section{padding:44px 0}section.soft{background:var(--bg-soft)}.section-intro{color:var(--muted);max-width:44em}.sectors{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:20px}.sector{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}.sector:hover{transform:translateY(-2px);box-shadow:var(--shadow);color:var(--ink)}.sector .ico{width:42px;height:42px;border-radius:12px;background:#e3f1ee;display:grid;place-items:center;font-size:1.35rem;margin-bottom:10px}.sector strong{display:block;color:var(--navy);font-size:1.08rem}.sector span{color:var(--muted);font-size:.95rem}@media (max-width:860px){.sectors{grid-template-columns:repeat(2,1fr)}}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s;margin-top:16px}.step{padding:20px;border-left:4px solid var(--sand);background:#fff;border-radius:0 var(--radius) var(--radius) 0}.step h3{margin-top:0}@media (max-width:760px){.steps{grid-template-columns:1fr}}.disclosure{background:var(--sand-soft);border:1px solid #f1d79c;border-radius:var(--radius);padding:14px 18px;font-size:.97rem;margin:0 0 22px}.disclosure strong{color:#6b4700}.filters{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 20px}.filters button{font:inherit;font-weight:600;font-size:.95rem;padding:8px 14px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--ink);cursor:pointer}.filters button[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}.no-js .filters{display:none}.deals{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:20px}.deal{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;flex-direction:column;box-shadow:0 1px 2px rgba(15,44,68,.04);scroll-margin-top:90px}.deal:target{outline:3px solid var(--sand)}.deal-top{display:flex;gap:14px;align-items:center;margin-bottom:12px}.deal-logo{width:56px;height:56px;border-radius:12px;border:1px solid var(--line);background:#fff;display:grid;place-items:center;overflow:hidden;flex:none}.deal-logo img{max-width:44px;max-height:44px;object-fit:contain}.deal h3{margin:0;font-size:1.15rem}.deal .cat{font-size:.85rem;color:var(--muted)}.deal .offer{font-weight:800;color:var(--sea-2);font-size:1.15rem;margin:4px 0 8px}.deal p{font-size:.98rem}.deal .terms{font-size:.85rem;color:var(--muted);border-top:1px dashed var(--line);padding-top:10px;margin-top:auto}.deal .tags{display:flex;flex-wrap:wrap;gap:6px;margin:0 0 12px;padding:0;list-style:none}.deal .tags li{font-size:.78rem;font-weight:600;background:var(--bg-soft);color:var(--navy-2);padding:3px 9px;border-radius:999px}.deal .cta{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin-top:14px}.aff-tag{font-size:.78rem;font-weight:700;color:#6b4700;background:var(--sand-soft);border:1px solid #f1d79c;padding:2px 8px;border-radius:6px;white-space:nowrap}.checked{font-size:.8rem;color:var(--muted)}.deal[hidden]{display:none}.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;text-decoration:none;color:var(--ink)}.post-card:hover{box-shadow:var(--shadow);color:var(--ink)}.post-card img{aspect-ratio:16/9;object-fit:cover;width:100%}.post-card .body{padding:18px}.post-card h3{margin:0 0 8px;font-size:1.1rem}.post-card p{color:var(--muted);font-size:.95rem;margin:0}.meta{font-size:.88rem;color:var(--muted)}@media (max-width:900px){.posts{grid-template-columns:1fr 1fr}}@media (max-width:600px){.posts{grid-template-columns:1fr}}.article{max-width:740px;margin:0 auto;padding:36px 20px 20px}.article .cover{border-radius:18px;overflow:hidden;margin:18px 0 26px;aspect-ratio:16/8}.article .cover img{width:100%;height:100%;object-fit:cover}.article ul{padding-left:1.25em}.article li{margin:.3em 0}.article .disclosure{margin-top:10px}.breadcrumb{font-size:.9rem;color:var(--muted)}.breadcrumb a{color:var(--muted)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.form-grid .full{grid-column:1/-1}@media (max-width:600px){.form-grid{grid-template-columns:1fr}}label{font-weight:600;font-size:.95rem;display:block;margin-bottom:4px}input,select,textarea{width:100%;font:inherit;padding:11px 12px;border:1px solid #cfd6dc;border-radius:10px;background:#fff;color:var(--ink)}input:focus,select:focus,textarea:focus{outline:3px solid rgba(29,122,108,.25);border-color:var(--sea)}textarea{min-height:140px;resize:vertical}.check{display:flex;gap:10px;align-items:flex-start;font-weight:400}.check input{width:auto;margin-top:5px}.hp{position:absolute;left:-5000px}.small{font-size:.88rem;color:var(--muted)}.form-note{display:none;margin-top:12px;padding:10px 14px;border-radius:10px;font-size:.95rem}.form-note.show{display:block}.form-note.warn{background:#fff1f0;border:1px solid #f3c2bd;color:#7a1f16}.form-note.ok{background:#e9f6f2;border:1px solid #b7e0d4;color:#0f5246}.newsletter{background:var(--navy);color:#e8eef3;border-radius:22px;padding:30px;display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:center}.newsletter h2{color:#fff;margin-top:0}.newsletter a{color:var(--sand)}.newsletter label{color:#fff}.newsletter .small{color:#c3d0db}@media (max-width:820px){.newsletter{grid-template-columns:1fr}}.two-col{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:start}.two-col figure{margin:0;border-radius:18px;overflow:hidden}@media (max-width:860px){.two-col{grid-template-columns:1fr}}.prose{max-width:760px}.prose h2{font-size:1.4rem}.site-footer{background:#0b2236;color:#c7d3dd;margin-top:40px;padding:36px 0 26px;font-size:.95rem}.site-footer a{color:#fff}.site-footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}.site-footer h2{color:#fff;font-size:1rem;margin:0 0 8px}.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin:4px 0}.site-footer .legal{border-top:1px solid rgba(255,255,255,.12);margin-top:24px;padding-top:16px;font-size:.85rem;color:#9fb1c0}@media (max-width:760px){.site-footer .cols{grid-template-columns:1fr}}.disclosure-line{font-size:.85rem;color:var(--muted);margin:0 0 16px}.disclosure-line a{color:var(--muted)}.article .disclosure-line{margin-top:-4px}.guide-link{font-size:.9rem;margin:10px 0 0}.related{margin-top:34px}.related h2{font-size:1.25rem}.related ul{padding-left:1.1em}