*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:#fff;color:#1d1d1f;font-family:-apple-system,BlinkMacSystemFont,"SF Pro Text","Segoe UI",Roboto,Helvetica,Arial,sans-serif;-webkit-font-smoothing:antialiased;line-height:1.5}
a{color:inherit}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
.bar{position:sticky;top:0;z-index:50;background:rgba(255,255,255,0.72);-webkit-backdrop-filter:saturate(180%) blur(20px);backdrop-filter:saturate(180%) blur(20px);border-bottom:1px solid rgba(0,0,0,0.08)}
.bar-in{max-width:1120px;margin:0 auto;padding:0 22px;height:52px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.bar-in img{height:30px;width:auto;display:block}
.nav{display:flex;align-items:center;gap:4px;flex-wrap:wrap;justify-content:flex-end}
.nav a{font-size:13px;font-weight:400;padding:7px 12px;border-radius:980px;white-space:nowrap;transition:all .2s;color:#494950;text-decoration:none}
.nav a:hover{color:#1d1d1f;background:rgba(0,0,0,0.04)}
.nav a.on{color:#1d1d1f;font-weight:500;background:rgba(0,0,0,0.06)}
.crumb{font-size:13px;color:#86868b;padding:26px 0 0}
.crumb a{color:#86868b;text-decoration:none}
.crumb a:hover{color:#1d1d1f}
.eyebrow{font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:#6e6e73;font-weight:600}
h1{margin:16px 0 0;font-size:60px;line-height:1.06;font-weight:600;letter-spacing:-.035em;max-width:900px;text-wrap:balance}
h2{margin:0;font-size:38px;line-height:1.12;font-weight:600;letter-spacing:-.03em;text-wrap:balance}
h3{margin:0 0 8px;font-size:20px;font-weight:600;letter-spacing:-.015em}
.lede{margin:24px 0 0;font-size:21px;line-height:1.55;color:#6e6e73;max-width:760px}
p{font-size:17px;line-height:1.7;color:#42424a}
.hero{padding:40px 22px 40px}
.sec{padding:64px 22px;max-width:1120px;margin:0 auto}
.sec.grey{background:#f5f5f7;max-width:none}
.sec.grey>.inner{max-width:1120px;margin:0 auto}
.sec.navy{background:#0A1633;color:#fff;max-width:none}
.sec.navy>.inner{max-width:1120px;margin:0 auto}
.sec.navy p{color:rgba(255,255,255,.72)}
.sec.navy h2{color:#fff}
.facts{display:flex;flex-wrap:wrap;gap:10px;margin:30px 0 0}
.fact{border:1px solid rgba(0,0,0,0.12);border-radius:980px;padding:8px 16px;font-size:13px;color:#42424a;background:#fff}
.fact b{color:#0A1633;font-weight:600}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px;margin-top:34px}
.card{background:#fbfbfd;border:1px solid rgba(0,0,0,0.08);border-radius:18px;padding:28px 26px}
.card p{font-size:15px;color:#6e6e73;margin:0}
.card .n{font-size:13px;font-weight:600;color:#F26522;margin-bottom:10px}
table{width:100%;border-collapse:collapse;margin-top:26px;font-size:15px}
th,td{text-align:left;padding:13px 14px;border-bottom:1px solid rgba(0,0,0,0.09);vertical-align:top}
th{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:#6e6e73;font-weight:600}
td b{color:#0A1633}
.scroller{overflow-x:auto;-webkit-overflow-scrolling:touch}
ul.ticks{list-style:none;padding:0;margin:22px 0 0}
ul.ticks li{position:relative;padding:0 0 0 26px;margin-bottom:11px;font-size:16px;line-height:1.6;color:#42424a}
ul.ticks li::before{content:"";position:absolute;left:0;top:8px;width:9px;height:9px;background:#F26522;border-radius:2px}
.cta{display:inline-flex;align-items:center;gap:10px;background:#F26522;color:#fff;text-decoration:none;font-size:16px;font-weight:500;letter-spacing:-.01em;padding:14px 26px;border-radius:980px;transition:all .2s;margin-top:26px}
.cta:hover{background:#d9541a}
.cta.ghost{background:transparent;color:#0A1633;border:1px solid rgba(0,0,0,.18)}
.cta.ghost:hover{background:#0A1633;color:#fff}
.faq{margin-top:30px;border-top:1px solid rgba(0,0,0,.09)}
.faq details{border-bottom:1px solid rgba(0,0,0,.09);padding:18px 0}
.faq summary{font-size:18px;font-weight:600;cursor:pointer;letter-spacing:-.015em;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:#F26522;font-weight:400;font-size:22px;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq p{margin:12px 0 0;font-size:16px}
.related{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.related a{font-size:14px;padding:10px 18px;border:1px solid rgba(0,0,0,.14);border-radius:980px;text-decoration:none;color:#1d1d1f;transition:all .2s}
.related a:hover{background:#0A1633;color:#fff;border-color:#0A1633}
footer{background:#f5f5f7;border-top:1px solid rgba(0,0,0,0.08);padding:52px 22px 60px}
footer img{height:65px;width:176px;display:block;margin-bottom:22px}
.tag{font-size:26px;letter-spacing:-.025em;color:#0A1633;font-weight:700}
.fcols{margin-top:26px;display:flex;gap:44px;flex-wrap:wrap;font-size:14px;color:#6e6e73;line-height:1.9}
.fcols h3{color:#1d1d1f;font-weight:600;margin:0 0 6px;font-size:14px}
.fcols a{text-decoration:none;color:#6e6e73}
.fcols a:hover{color:#F26522}
.copy{margin-top:34px;padding-top:20px;border-top:1px solid rgba(0,0,0,0.08);font-size:12px;color:#86868b}
@media (max-width:860px){
  h1{font-size:36px}h2{font-size:28px}.lede{font-size:18px}
  .sec{padding:44px 22px}.hero{padding:24px 22px 30px}
  .bar-in{height:auto;padding:8px 16px;flex-direction:column;align-items:flex-start;gap:8px}
  .nav{justify-content:flex-start}
}


/* ===== responsive layer (added 2026-09-01) ===== */
img,svg,video{max-width:100%;height:auto}
h1{font-size:clamp(30px,5.8vw,60px)}
h2{font-size:clamp(24px,4vw,38px)}
h3{font-size:clamp(17px,2.2vw,20px)}
.lede{font-size:clamp(16px,2.2vw,21px)}
.tag{font-size:clamp(19px,3vw,26px)}
.grid{grid-template-columns:repeat(auto-fit,minmax(min(280px,100%),1fr))}
.scroller table{min-width:560px}
@media (max-width:860px){
  .bar-in{flex-direction:row;align-items:center;justify-content:space-between;gap:12px;height:auto;min-height:52px;padding:8px 20px}
}
@media (max-width:820px){
  .sec{padding:44px 20px}
  .hero{padding:26px 20px 30px}
  .card{padding:22px 20px}
  .grid{gap:16px;margin-top:26px}
  footer{padding:40px 20px 46px}
  .fcols{gap:28px}
  .crumb{padding:20px 0 0}
}
@media (max-width:520px){
  .sec{padding:36px 18px}
  .hero{padding:22px 18px 26px}
  .facts{gap:8px;margin-top:22px}
  .fact{font-size:12px;padding:7px 13px}
  .cta{width:100%;justify-content:center;padding:14px 20px}
  .related a{font-size:13px;padding:9px 15px}
  .faq summary{font-size:16px}
  footer img{height:52px;width:141px}
}