:root{--c-brand: #0e7490;--c-brand-dark: #0c566a;--c-accent: #16a34a;--c-ink: #111827;--c-muted: #4b5563;--c-bg: #ffffff;--c-soft: #f3f5f7;--c-soft2: #e6f4f7;--c-line: #dfe3e8;--radius: 4px;--radius-md: 8px;--maxw: 1120px;--e1: 0 1px 2px rgba(17,24,39,.12), 0 1px 3px rgba(17,24,39,.08);--e2: 0 2px 4px rgba(17,24,39,.1), 0 4px 10px rgba(17,24,39,.1);--e3: 0 6px 12px rgba(17,24,39,.12), 0 12px 28px rgba(17,24,39,.12);--font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--font);color:var(--c-ink);background:var(--c-bg);line-height:1.6;font-size:17px}h1,h2,h3{line-height:1.18;color:var(--c-ink);font-weight:700;letter-spacing:-.01em;margin:0 0 .5em}h1{font-size:clamp(2rem,4.5vw,3rem)}h2{font-size:clamp(1.5rem,3vw,2.05rem)}h3{font-size:1.16rem}p{margin:0 0 1rem;color:var(--c-muted)}a{color:var(--c-brand-dark);text-decoration:none}a:hover{text-decoration:underline}img,svg{max-width:100%}.container{max-width:var(--maxw);margin-inline:auto;padding-inline:20px}.section{padding:72px 0}.section--soft{background:var(--c-soft)}.eyebrow{color:var(--c-brand);font-weight:700;letter-spacing:.09em;text-transform:uppercase;font-size:.78rem;margin-bottom:.6rem}.lead{font-size:1.2rem;color:var(--c-muted);max-width:62ch}.center{text-align:center;margin-inline:auto}.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 22px;border-radius:var(--radius);font-weight:600;border:1px solid transparent;cursor:pointer;transition:box-shadow .15s ease,background .15s ease,transform .04s ease}.btn:hover{text-decoration:none}.btn:active{transform:translateY(1px)}.btn--primary{background:var(--c-brand);color:#fff;box-shadow:var(--e1)}.btn--primary:hover{background:var(--c-brand-dark);color:#fff;box-shadow:var(--e2)}.btn--ghost{background:#fff;color:var(--c-brand-dark);border-color:var(--c-line)}.btn--ghost:hover{border-color:var(--c-brand);box-shadow:var(--e1)}.btn--lg{padding:14px 28px;font-size:1.05rem}.grid{display:grid;gap:20px}.grid--3{grid-template-columns:repeat(3,1fr)}.grid--2{grid-template-columns:repeat(2,1fr)}@media(max-width:900px){.grid--3{grid-template-columns:1fr 1fr}}@media(max-width:640px){.grid--3,.grid--2{grid-template-columns:1fr}}.card{background:#fff;border:1px solid var(--c-line);border-radius:var(--radius);padding:24px;box-shadow:var(--e1);transition:box-shadow .18s ease,transform .18s ease}.card:hover{box-shadow:var(--e2);transform:translateY(-2px)}.card h3{margin-top:.2rem}.card__icon{width:48px;height:48px;border-radius:var(--radius-md);background:var(--c-soft2);color:var(--c-brand-dark);display:grid;place-items:center;margin-bottom:14px}.card__icon svg{display:block}.site-header{position:sticky;top:0;z-index:50;background:#ffffffeb;backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--c-line)}.site-header .bar{display:flex;align-items:center;justify-content:space-between;height:66px}.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.25rem;color:var(--c-ink);letter-spacing:-.01em}.brand:hover{text-decoration:none}.brand img{width:40px;height:40px}.nav{display:flex;align-items:center;gap:26px}.nav a:not(.btn){color:var(--c-ink);font-weight:500}.nav a:not(.btn):hover{color:var(--c-brand-dark);text-decoration:none}.nav a.btn--primary{color:#fff}.nav__cta{margin-left:6px}@media(max-width:780px){.nav a:not(.btn){display:none}}.hero{padding:84px 0 40px;background:linear-gradient(180deg,var(--c-soft2),#fff 72%);position:relative;overflow:hidden}.hero .container{position:relative;z-index:1}.hero:after{content:"";position:absolute;right:-60px;top:10px;width:360px;height:360px;opacity:.05;pointer-events:none;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 64 64'%3E%3Cpath d='M32 58 C 18 47 8 38 8 24 C 8 15 15 10 22 12 C 27 13.5 30.5 16.5 32 20 C 33.5 16.5 37 13.5 42 12 C 49 10 56 15 56 24 C 56 38 46 47 32 58 Z' fill='%230e7490'/%3E%3C/svg%3E") center/contain no-repeat}@media(max-width:820px){.hero:after{display:none}}.hero h1 span{color:var(--c-brand)}.hero .lead{margin:18px 0 26px}.hero__cta{display:flex;gap:14px;flex-wrap:wrap}.hero__note{margin-top:16px;font-size:.95rem;color:var(--c-muted)}.badge{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--c-line);border-left:3px solid var(--c-accent);border-radius:var(--radius);padding:8px 14px;font-size:.92rem;font-weight:600;color:var(--c-ink);box-shadow:var(--e1)}.badge svg{color:var(--c-accent);flex:none}.accredit-wrap{padding:30px 0}.accredit{display:flex;align-items:center;gap:20px;background:#ecfdf5;border:1px solid #bbf7d0;border-left:5px solid var(--c-accent);border-radius:var(--radius);padding:20px 24px;box-shadow:var(--e1)}.accredit__seal{flex:none;width:66px;height:66px;border-radius:50%;background:#fff;border:2px solid var(--c-accent);color:var(--c-accent);display:grid;place-items:center;box-shadow:var(--e1)}.accredit__body{flex:1 1 auto}.accredit__title{margin:0;font-weight:800;font-size:1.18rem;color:#14532d}.accredit__sub{margin:5px 0 0;color:var(--c-muted)}.accredit__logo{flex:none}.accredit__logo--placeholder{border:1px dashed #86efac;border-radius:var(--radius);padding:12px 18px;color:#15803d;font-weight:700;font-size:.82rem;line-height:1.25;text-align:center;background:#fff}@media(max-width:640px){.accredit{flex-direction:column;align-items:flex-start}.accredit__logo--placeholder{align-self:stretch}}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;text-align:center}.stats .item{border:1px solid var(--c-line);border-radius:var(--radius);padding:20px 12px;background:#fff}.stats .n{font-size:1.5rem;font-weight:800;color:var(--c-brand-dark)}.stats .l{color:var(--c-muted);font-size:.93rem;margin-top:4px}@media(max-width:640px){.stats{grid-template-columns:1fr 1fr}}.checklist{list-style:none;padding:0;margin:0;display:grid;gap:12px}.checklist li{padding-left:32px;position:relative;color:var(--c-ink)}.checklist li:before{content:"";position:absolute;left:0;top:4px;width:20px;height:20px;background:var(--c-accent);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9 16.17 4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41z'/%3E%3C/svg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9 16.17 4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41z'/%3E%3C/svg%3E") center/contain no-repeat}.cta-band{background:var(--c-brand-dark);color:#fff;border-radius:var(--radius-md);padding:44px;text-align:center;box-shadow:var(--e2)}.cta-band h2{color:#fff}.cta-band p{color:#d9f2f7}details.faq{border:1px solid var(--c-line);border-radius:var(--radius);padding:4px 18px;background:#fff;margin-bottom:12px;box-shadow:var(--e1)}details.faq summary{cursor:pointer;font-weight:600;padding:13px 0;list-style:none}details.faq summary::-webkit-details-marker{display:none}details.faq[open] summary{color:var(--c-brand-dark)}.form{display:grid;gap:14px;max-width:560px}.form label{font-weight:600;font-size:.95rem;display:grid;gap:6px}.form input,.form select,.form textarea{font:inherit;padding:12px 14px;border:1px solid var(--c-line);border-radius:var(--radius);width:100%;background:#fff}.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--c-brand);box-shadow:0 0 0 2px #0e749040}.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}@media(max-width:560px){.form .row{grid-template-columns:1fr}}.privacy{font-size:.85rem;color:var(--c-muted)}code{background:var(--c-soft);padding:1px 6px;border-radius:var(--radius);font-size:.88em}.hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none}.form-err{background:#fef2f2;border:1px solid #fecaca;border-left:4px solid #dc2626;color:#991b1b;border-radius:var(--radius);padding:12px 16px;margin:0 0 18px;font-size:.95rem}.form-err a{color:#991b1b;text-decoration:underline}.site-footer{background:var(--c-ink);color:#cbd5e1;padding:46px 0 30px;margin-top:40px}.site-footer a{color:#e2e8f0}.site-footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.site-footer h4{color:#fff;font-size:.95rem;margin:0 0 12px}.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}.site-footer .fine{border-top:1px solid #263243;margin-top:30px;padding-top:18px;font-size:.85rem;color:#94a3b8}@media(max-width:700px){.site-footer .cols{grid-template-columns:1fr}}.wa-fab{position:fixed;right:20px;bottom:20px;z-index:60;width:56px;height:56px;border-radius:50%;background:#25d366;color:#fff;display:grid;place-items:center;box-shadow:var(--e3);transition:transform .12s ease,box-shadow .12s ease}.wa-fab:hover{transform:translateY(-2px) scale(1.04);box-shadow:0 10px 26px #25d36673;text-decoration:none;color:#fff}.wa-fab:active{transform:scale(.98)}@media(max-width:640px){.wa-fab{right:16px;bottom:16px;width:52px;height:52px}}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px 16px;border-radius:var(--radius);z-index:100}.cookie-banner{position:fixed;left:0;right:0;bottom:0;z-index:70;background:#fff;border-top:1px solid var(--c-line);box-shadow:var(--e3);padding:16px 20px;display:flex;gap:18px;align-items:center;justify-content:center;flex-wrap:wrap}.cookie-banner[hidden]{display:none}.cookie-banner__text{margin:0;font-size:.9rem;color:var(--c-muted);max-width:74ch}.cookie-banner__text a{color:var(--c-brand-dark);text-decoration:underline}.cookie-banner__actions{display:flex;gap:10px;flex:none}.cookie-banner .btn{padding:10px 20px}@media(max-width:620px){.cookie-banner{flex-direction:column;align-items:stretch}.cookie-banner__actions{justify-content:flex-end}}.article-head{padding:66px 0 10px;background:linear-gradient(180deg,var(--c-soft2),#fff 80%)}.article-meta{color:var(--c-muted);font-size:.9rem;display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-top:12px}.prose{max-width:760px}.prose>p,.prose>ul,.prose>ol{color:var(--c-ink)}.prose h2{margin-top:1.9em;font-size:clamp(1.35rem,2.4vw,1.65rem);scroll-margin-top:84px}.prose h3{margin-top:1.5em;font-size:1.18rem}.prose ul,.prose ol{padding-left:1.25em;display:grid;gap:.45em;margin:0 0 1.1rem}.prose li{color:var(--c-ink)}.prose a{color:var(--c-brand-dark);text-decoration:underline}.prose .faq{margin-top:12px}.article-refs{font-size:.9rem;color:var(--c-muted);border-top:1px solid var(--c-line);margin-top:2.4em;padding-top:16px}.article-refs a{color:var(--c-brand-dark)}.table-wrap{overflow-x:auto;margin:1.3rem 0}.tbl{width:100%;border-collapse:collapse;font-size:.96rem}.tbl th,.tbl td{border:1px solid var(--c-line);padding:10px 12px;text-align:left;vertical-align:top}.tbl th{background:var(--c-soft);font-weight:700}.tbl td:first-child,.tbl th:first-child{width:130px}.callout{background:#ecfdf5;border:1px solid #bbf7d0;border-left:4px solid var(--c-accent);border-radius:var(--radius);padding:16px 20px;margin:1.4rem 0}.callout p{color:#14532d}.callout p:last-child{margin-bottom:0}.callout ul{margin:.4rem 0 .8rem}.callout a{color:var(--c-brand-dark)}.guide-card{display:block}.guide-card:hover{text-decoration:none}.guide-card h2{color:var(--c-ink)}.guide-card p{color:var(--c-muted)}.guide-card__more{display:inline-block;margin-top:12px;color:var(--c-brand-dark);font-weight:600}