@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@500;600;700&display=swap');

:root{--ink:#071929;--navy:#0b263b;--muted:#587081;--paper:#f5f7f5;--white:#fff;--mint:#5de1c3;--line:#cad6d8;--blue:#c8e9f2;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:'DM Sans',Arial,sans-serif;font-size:16px;line-height:1.65}a{color:inherit}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:'Manrope',Arial,sans-serif;line-height:1.08}.skip-link{position:absolute;left:-9999px;top:8px;background:#fff;padding:10px;z-index:10}.skip-link:focus{left:8px}.site-header{max-width:var(--max);margin:auto;display:flex;justify-content:space-between;align-items:center;padding:25px 28px}.brand{display:flex;gap:11px;align-items:center;text-decoration:none;font-family:'Manrope';font-size:1.1rem;font-weight:700}.brand small{display:block;color:var(--muted);font-family:'DM Sans';font-size:.66rem;font-weight:500;letter-spacing:.12em;text-transform:uppercase}.brand-mark{display:grid;place-items:center;width:38px;height:38px;border-radius:9px;background:var(--ink);color:var(--mint);font-weight:700}.site-header nav{display:flex;gap:28px}.site-header nav a{text-decoration:none;color:#385264;font-size:.91rem;font-weight:600}.site-header nav a:hover,.site-header nav a:focus{color:var(--ink)}
.hero{max-width:var(--max);margin:26px auto 0;padding:88px 76px;min-height:590px;border-radius:26px;background:var(--ink);color:#fff;display:grid;grid-template-columns:1.45fr .72fr;gap:80px;align-items:center;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;width:440px;height:440px;border:1px solid #1b4661;border-radius:50%;right:-190px;top:-170px;box-shadow:0 0 0 55px rgba(93,225,195,.025),0 0 0 110px rgba(93,225,195,.018)}.hero-copy,.definition-card{position:relative}.eyebrow,.section-number,.card-label{font-size:.75rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase}.eyebrow{color:var(--mint)}h1{font-size:clamp(3.8rem,8vw,7.6rem);letter-spacing:-.065em;margin:18px 0 30px}h1 span{color:var(--mint)}.lead{max-width:700px;color:#d6e2e7;font-size:1.18rem;line-height:1.7}.primary-link{display:inline-flex;align-items:center;gap:20px;margin-top:22px;color:#fff;text-decoration:none;font-weight:700;border-bottom:1px solid var(--mint);padding-bottom:6px}.primary-link span{color:var(--mint)}.definition-card{background:#fff;color:var(--ink);padding:35px;border-radius:16px;box-shadow:0 18px 50px #020a11}.card-label{color:#537080}.definition{font-size:1.38rem;line-height:1.4;margin:18px 0}.definition-card p:last-child{color:#526878;margin-bottom:0}
.section{max-width:var(--max);margin:auto;padding:110px 28px;border-bottom:1px solid var(--line)}.section-number{color:#2b7469;margin-bottom:18px}.intro{display:grid;grid-template-columns:1fr 1.15fr;gap:90px}.section h2{font-size:clamp(2.2rem,4vw,4rem);letter-spacing:-.045em;margin-bottom:0}.prose{font-size:1.12rem;color:#354f60}.prose p:last-child{margin-bottom:0}.section-heading{display:grid;grid-template-columns:1fr .8fr;gap:80px;align-items:end;margin-bottom:60px}.section-heading>p{color:#4f697a;font-size:1.08rem;margin-bottom:3px}.flow-section{padding-bottom:95px}.flow{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;align-items:stretch;gap:12px}.flow-card{background:#fff;border:1px solid #d9e2e3;border-radius:13px;padding:26px 22px}.flow-card span,.cost-key{color:#267b6e;font-family:'Manrope';font-size:.75rem;font-weight:700}.flow-card h3{font-size:1.13rem;margin:22px 0 9px}.flow-card p{font-size:.9rem;color:#5c7280;margin:0}.flow-arrow{align-self:center;color:#6b848e}.fee-path{margin:18px 0 0 auto;width:53%;background:var(--blue);padding:16px 24px;border-radius:10px;display:flex;gap:24px;align-items:center}.fee-path span{font-weight:700;white-space:nowrap}.fee-path p{margin:0;color:#38596a;font-size:.88rem}.flow-note,.caveat{color:#617681;font-size:.83rem;margin:28px 0 0}.cost-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.cost-grid article{background:#fff;padding:35px;border-top:4px solid var(--ink)}.cost-grid h3{font-size:1.25rem;margin:25px 0 12px}.cost-grid p{color:#526978;margin:0}.equation{display:flex;align-items:center;justify-content:center;gap:20px;margin-top:28px;padding:26px;background:var(--navy);color:#fff;border-radius:12px}.equation span{display:grid;place-items:center;background:var(--mint);color:var(--ink);width:38px;height:38px;border-radius:50%;font-weight:700}.equation b{color:#7d96a5}.equation strong{font-size:1.1rem}.regulation{display:grid;grid-template-columns:1.15fr .85fr;gap:100px;align-items:center}.reg-copy>p:not(.section-number){color:#405c6d;font-size:1.05rem}.reg-copy h2{margin-bottom:32px}.text-link{display:inline-block;margin-top:12px;font-weight:700;text-decoration-color:#4cae9e;text-underline-offset:5px}.cap-panel{background:var(--ink);color:#fff;padding:38px;border-radius:16px}.cap-panel .card-label{color:var(--mint);margin-bottom:24px}.cap-panel>div{display:grid;grid-template-columns:145px 1fr;gap:20px;align-items:center;padding:22px 0;border-top:1px solid #244257}.cap-panel strong{font-family:'Manrope';font-size:2.8rem;color:var(--mint)}.cap-panel span{color:#d5e1e5}.cap-note{border-top:1px solid #244257;padding-top:24px;color:#9fb1bb;font-size:.86rem;margin-bottom:0}.practical{display:grid;grid-template-columns:.85fr 1.15fr;gap:90px}.practical ol{list-style:none;margin:0;padding:0}.practical li{display:grid;grid-template-columns:50px 1fr;gap:20px;padding:24px 0;border-top:1px solid var(--line)}.practical li>span{font-size:.78rem;font-weight:700;color:#2f7e70}.practical h3{font-size:1.1rem;margin:0 0 7px}.practical p{color:#556e7d;margin:0}.questions{max-width:900px}.questions .section-heading{grid-template-columns:1fr;margin-bottom:38px}.questions details{border-top:1px solid #bfcdd0}.questions details:last-child{border-bottom:1px solid #bfcdd0}.questions summary{cursor:pointer;list-style:none;padding:24px 42px 24px 0;font-family:'Manrope';font-size:1.08rem;font-weight:700;position:relative}.questions summary:after{content:'+';position:absolute;right:5px;color:#2d756b;font-size:1.4rem;font-weight:400}.questions details[open] summary:after{content:'−'}.questions details p{color:#516a79;max-width:720px;padding:0 35px 24px 0}.sources{max-width:var(--max);margin:0 auto;padding:80px 28px}.sources h2{font-size:1rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:30px}.sources>div{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.sources a{background:#e7eeed;padding:25px;text-decoration:none;font-weight:600;line-height:1.4;border-radius:10px}.sources a:hover{background:#dce7e5}.sources span{display:block;color:#5d727e;font-size:.74rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px}footer{background:var(--ink);color:#a9bbc4;padding:46px max(28px,calc((100vw - var(--max))/2 + 28px));display:grid;grid-template-columns:1fr 1.4fr auto;gap:40px;align-items:center;font-size:.78rem}footer p{margin:0}.footer-brand{color:#fff}
@media(max-width:900px){.site-header nav{display:none}.hero{margin:12px 16px 0;padding:65px 35px;grid-template-columns:1fr;gap:45px}.definition-card{max-width:560px}.intro,.regulation,.practical,.section-heading{grid-template-columns:1fr;gap:35px}.flow{grid-template-columns:1fr 30px 1fr}.flow-arrow:nth-of-type(2){display:none}.flow-card:nth-of-type(3){grid-column:1}.flow-arrow:nth-of-type(3){grid-column:2}.flow-card:nth-of-type(4){grid-column:3}.fee-path{width:100%}.cost-grid,.sources>div{grid-template-columns:1fr}.regulation{gap:50px}footer{grid-template-columns:1fr;gap:18px}}
@media(max-width:620px){.site-header{padding:18px}.hero{padding:48px 25px;min-height:auto;border-radius:18px}h1{font-size:3.55rem}.lead{font-size:1.04rem}.section{padding:78px 20px}.flow{grid-template-columns:1fr}.flow-arrow{transform:rotate(90deg);justify-self:center}.flow-arrow:nth-of-type(2){display:block}.flow-card:nth-of-type(3),.flow-arrow:nth-of-type(3),.flow-card:nth-of-type(4){grid-column:auto}.fee-path{display:block}.fee-path span{display:block;margin-bottom:5px}.equation{gap:9px;flex-wrap:wrap}.equation strong{width:100%;text-align:center}.cap-panel{padding:28px 23px}.cap-panel>div{grid-template-columns:110px 1fr}.cap-panel strong{font-size:2.25rem}.sources{padding:60px 20px}footer{padding:40px 20px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}