:root{
  --bg:#FFFFFF; --deep:#F3F7F7; --card:#FFFFFF;
  --hair:rgba(28,42,66,.11); --hair-2:rgba(28,42,66,.18);
  --ink:#1C2A42; --ink-2:#0F1829; --mut:#54606F; --mut-2:#8A94A3;
  --navy:#1E2B45; --navy-d:#0B1424;
  --teal:#14B8A6; --teal-m:#0D9488; --teal-d:#0F766E; --teal-soft:rgba(20,184,166,.13);
  --good:#137A46; --good-soft:rgba(19,122,70,.10);
  --bad:#BE3A28; --bad-soft:rgba(190,58,40,.09);
  --amber:#F59E0B;
  --sans:'Helvetica Neue',Helvetica,Arial,sans-serif;
  --mono:ui-monospace,'SF Mono','Menlo',monospace;
  --edge:clamp(16px,5vw,72px);
  --shadow:0 1px 2px rgba(28,42,66,.05),0 8px 24px rgba(28,42,66,.06);
  --shadow-lg:0 2px 4px rgba(11,20,36,.06),0 24px 60px rgba(11,20,36,.16);
  --r:16px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--sans);background:var(--bg);color:var(--ink);-webkit-font-smoothing:antialiased;line-height:1.55;overflow-x:hidden}
::selection{background:rgba(20,184,166,.25)}
img,video{display:block;max-width:100%}
a{color:var(--teal-d)}
.wrap{width:100%;max-width:1200px;margin:0 auto;padding:0 var(--edge)}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px 14px;z-index:200}
.skip:focus{left:8px;top:8px}

/* header */
.hdr{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--hair)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.logo img{height:54px;width:auto;margin-left:-14px}
.nav{display:flex;align-items:center;gap:4px}
.nav a{font-size:14.5px;font-weight:500;color:var(--ink);text-decoration:none;padding:9px 11px;border-radius:8px;white-space:nowrap}
.nav a[aria-current="page"]{color:var(--teal-d);background:var(--teal-soft)}
.hdr-cta{display:flex;align-items:center;gap:10px}
.menu-btn{display:none;align-items:center;gap:8px;font:600 14px var(--sans);color:var(--ink);background:#fff;border:1px solid var(--hair-2);border-radius:10px;padding:10px 14px;cursor:pointer;min-height:44px}
.menu-btn span{display:block;width:16px;height:2px;background:var(--ink);box-shadow:0 5px 0 var(--ink),0 -5px 0 var(--ink)}
.mnav{position:fixed;inset:68px 0 0 0;z-index:49;background:#fff;padding:14px var(--edge) 32px;overflow-y:auto;display:none}
.mnav.open{display:block}
.mnav a{display:block;font-size:18px;font-weight:600;color:var(--ink-2);text-decoration:none;padding:16px 4px;border-bottom:1px solid var(--hair)}
.mnav a.btn{margin-top:20px;border-bottom:0;text-align:center;color:#fff;padding:16px}
body.lock{overflow:hidden}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:700 15.5px var(--sans);text-decoration:none;border-radius:12px;padding:14px 22px;border:1px solid transparent;cursor:pointer;min-height:48px;transition:transform .15s,box-shadow .15s,background .15s}
.btn-p{background:var(--teal-m);color:#fff;box-shadow:0 6px 18px rgba(13,148,136,.32)}
.btn-s{background:#fff;color:var(--ink-2);border-color:var(--hair-2)}
.btn-g{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.28)}
.btn-sm{padding:10px 16px;font-size:14px;min-height:42px;border-radius:10px}
@media (hover:hover){
  .nav a:hover{background:var(--deep)}
  .btn-p:hover{background:var(--teal-d);transform:translateY(-1px)}
  .btn-s:hover{border-color:var(--ink)}
  .btn-g:hover{background:rgba(255,255,255,.16)}
}

/* type */
.eyebrow{font-family:var(--mono);font-size:11.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--teal-d);margin-bottom:16px;font-weight:600}
h1,h2,h3{color:var(--ink-2);letter-spacing:-.025em;line-height:1.08;font-weight:700}
h1{font-size:clamp(2.2rem,5.2vw,4rem)}
h2{font-size:clamp(1.75rem,3.6vw,2.75rem)}
h3{font-size:1.2rem;letter-spacing:-.01em;line-height:1.25}
.lead{font-size:clamp(1.05rem,1.5vw,1.22rem);color:var(--mut);max-width:62ch;margin-top:18px}
.tl{color:var(--teal-m)}
p+p{margin-top:14px}
sup a{font-family:var(--mono);font-size:10.5px;text-decoration:none;color:var(--teal-d);padding:0 2px}

/* sections */
.sec{padding:clamp(64px,9vw,112px) 0}
.sec.deep{background:var(--deep)}
.sec.dark{background:radial-gradient(1200px 600px at 85% -10%,rgba(20,184,166,.30),transparent 60%),radial-gradient(900px 500px at -10% 110%,rgba(29,78,216,.28),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-d) 100%);color:#D7DEE9}
.sec.dark h1,.sec.dark h2,.sec.dark h3{color:#fff}
.sec.dark .lead{color:#B8C2D2}
.sec.dark .eyebrow{color:#5EEAD4}
.sec.dark .tl{color:#2DD4BF}
.sec.dark a:not(.btn){color:#5EEAD4}
.sec-head{max-width:820px;margin-bottom:clamp(32px,5vw,56px)}
.center{text-align:center;margin-left:auto;margin-right:auto}
.center .lead{margin-left:auto;margin-right:auto}

/* hero */
.hero{padding:clamp(56px,8vw,104px) 0 clamp(64px,8vw,104px)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(32px,5vw,72px);align-items:center}
.hero .btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.hero-note{margin-top:22px;font-size:13.5px;color:#93A0B5}
.page-hero{padding:clamp(48px,7vw,88px) 0}
.page-hero .lead{max-width:70ch}
.crumbs{font-size:13px;color:#93A0B5;margin-bottom:18px}
.crumbs a{color:#B8C2D2;text-decoration:none}

/* glass stat cards on dark */
.gstack{display:grid;gap:14px}
.gcard{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:22px 24px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.gcard .n{font-size:clamp(2.2rem,4.4vw,3.4rem);font-weight:700;letter-spacing:-.04em;color:#fff;line-height:1}
.gcard .n small{font-size:.45em;font-weight:600;color:#5EEAD4;letter-spacing:0;margin-left:6px}
.gcard p{font-size:14.5px;color:#C4CDDB;margin-top:8px}
.gcard .src{font-family:var(--mono);font-size:10.5px;letter-spacing:.06em;color:#8494AD;margin-top:8px;text-transform:uppercase}
.gcard.hl{background:linear-gradient(135deg,rgba(20,184,166,.32),rgba(20,184,166,.10));border-color:rgba(94,234,212,.45)}

/* stat band */
.band{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--hair);border-radius:var(--r);background:#fff;box-shadow:var(--shadow);overflow:hidden}
.band>div{padding:26px 24px;border-left:1px solid var(--hair)}
.band>div:first-child{border-left:0}
.big{font-size:clamp(2rem,3.6vw,2.9rem);font-weight:700;letter-spacing:-.04em;color:var(--ink-2);line-height:1}
.big.t{color:var(--teal-m)}
.big.r{color:var(--bad)}
.cap{font-size:14px;color:var(--mut);margin-top:8px}
.srcl{font-family:var(--mono);font-size:10.5px;letter-spacing:.05em;text-transform:uppercase;color:var(--mut-2);margin-top:8px}

/* grids and cards */
.g2{display:grid;grid-template-columns:1fr 1fr;gap:clamp(24px,4vw,56px);align-items:center}
.g2.top{align-items:start}
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.g4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--hair);border-radius:var(--r);padding:26px;box-shadow:var(--shadow)}
.card h3{margin-bottom:8px}
.card p{font-size:15px;color:var(--mut)}
.card .big{margin-bottom:10px}
.card.navy{background:linear-gradient(160deg,var(--navy),var(--navy-d));border-color:transparent;color:#C4CDDB}
.card.navy h3,.card.navy .big{color:#fff}
.card.navy p{color:#B8C2D2}
.card.tealc{background:linear-gradient(160deg,#0D9488,#0F766E);border-color:transparent}
.card.tealc h3,.card.tealc .big{color:#fff}
.card.tealc p,.card.tealc .srcl{color:#D5F5F0}
.num{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:10px;background:var(--teal-soft);color:var(--teal-d);font:700 14px var(--mono);margin-bottom:16px}
.card.navy .num{background:rgba(94,234,212,.16);color:#5EEAD4}
.tag{display:inline-block;font:600 11px var(--mono);letter-spacing:.08em;text-transform:uppercase;padding:5px 9px;border-radius:6px;background:var(--teal-soft);color:var(--teal-d);margin-bottom:14px}
.tag.red{background:var(--bad-soft);color:var(--bad)}
.tag.grn{background:var(--good-soft);color:var(--good)}
.more{display:inline-block;margin-top:20px;font-weight:700;text-decoration:none}
.more::after{content:" \2192"}

/* lists */
.ticks,.crosses{list-style:none;display:grid;gap:12px;margin-top:20px}
.ticks li,.crosses li{position:relative;padding-left:32px;font-size:15.5px}
.ticks li::before,.crosses li::before{position:absolute;left:0;top:1px;width:22px;height:22px;border-radius:50%;display:grid;place-items:center;font-size:12px;font-weight:700}
.ticks li::before{content:"\2713";background:var(--good-soft);color:var(--good)}
.crosses li::before{content:"\2715";background:var(--bad-soft);color:var(--bad)}
.sec.dark .ticks li::before{background:rgba(94,234,212,.18);color:#5EEAD4}

/* charts */
.chart{background:#fff;border:1px solid var(--hair);border-radius:var(--r);padding:28px;box-shadow:var(--shadow)}
.chart h3{margin-bottom:4px}
.chart .sub{font-size:13.5px;color:var(--mut);margin-bottom:22px}
.cols{display:flex;align-items:flex-end;gap:clamp(16px,4vw,44px);height:280px;padding-top:34px;border-bottom:2px solid var(--hair-2)}
.col{flex:1;height:100%;display:flex;flex-direction:column;justify-content:flex-end;align-items:center;min-width:0}
.col .v{font-weight:700;font-size:clamp(1.2rem,2.4vw,1.75rem);letter-spacing:-.03em;color:var(--ink-2);margin-bottom:8px}
.col .b{width:100%;max-width:150px;border-radius:10px 10px 0 0;background:linear-gradient(180deg,#B7C3D6,#93A3BD)}
.col.hi .b{background:linear-gradient(180deg,#2DD4BF,#0D9488);box-shadow:0 -10px 30px rgba(20,184,166,.35)}
.col.hi .v{color:var(--teal-m)}
.xl{display:flex;gap:clamp(16px,4vw,44px);margin-top:10px}
.xl div{flex:1;text-align:center;font-size:13px;color:var(--mut);font-weight:600}
.hbars{display:grid;gap:14px}
.hb{display:grid;grid-template-columns:118px 1fr 58px;gap:12px;align-items:center;font-size:14px}
.hb .l{color:var(--ink);font-weight:600}
.hb .t{height:22px;background:var(--deep);border-radius:6px;overflow:hidden}
.hb .t i{display:block;height:100%;border-radius:6px;background:linear-gradient(90deg,#0D9488,#2DD4BF)}
.hb .t i.n{background:linear-gradient(90deg,#1E2B45,#3B4E73)}
.hb .t i.r{background:linear-gradient(90deg,#BE3A28,#E46A55)}
.hb .x{font-weight:700;color:var(--ink-2);text-align:right}
.fn{font-size:12.5px;color:var(--mut-2);margin-top:18px}

/* tables */
.tblw{overflow-x:auto;border:1px solid var(--hair);border-radius:var(--r);box-shadow:var(--shadow);background:#fff}
table{border-collapse:collapse;width:100%;min-width:640px;font-size:14.5px}
th,td{text-align:left;padding:15px 18px;border-bottom:1px solid var(--hair);vertical-align:top}
thead th{background:var(--navy);color:#fff;font-size:12px;font-family:var(--mono);letter-spacing:.08em;text-transform:uppercase}
tbody tr:last-child td{border-bottom:0}
td.no{color:var(--bad);font-weight:600}
td.yes{color:var(--good);font-weight:600}
tbody th{font-weight:700;color:var(--ink-2);background:var(--deep)}

/* media */
.photo{border-radius:20px;overflow:hidden;box-shadow:var(--shadow-lg);position:relative}
.photo img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/5}
.photo .chip{position:absolute;left:16px;bottom:16px;right:16px;background:rgba(11,20,36,.86);color:#fff;border-radius:12px;padding:14px 16px;font-size:14px}
.photo .chip b{color:#5EEAD4}
.vids{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.vid{background:#0B1424;border-radius:20px;overflow:hidden;box-shadow:var(--shadow-lg)}
.vid video{width:100%;aspect-ratio:9/16;object-fit:cover;background:#000}
.vid div{padding:14px 16px 18px}
.vid h3{color:#fff;font-size:1rem}
.vid p{color:#A9B5C8;font-size:13.5px;margin-top:4px}

/* flow */
.flow{display:grid;grid-template-columns:repeat(6,1fr);gap:8px;counter-reset:f}
.flow div{background:#fff;border:1px solid var(--hair);border-radius:12px;padding:16px 12px;text-align:center;font-size:13.5px;font-weight:600;color:var(--ink-2);box-shadow:var(--shadow)}
.flow div::before{counter-increment:f;content:counter(f);display:block;font:700 12px var(--mono);color:var(--teal-d);margin-bottom:6px}
.flow div:last-child{background:var(--teal-m);color:#fff;border-color:transparent}
.flow div:last-child::before{color:#D5F5F0}

/* quote / callout */
.call{border-left:4px solid var(--teal);background:var(--teal-soft);border-radius:0 12px 12px 0;padding:20px 22px;font-size:16px;color:var(--ink-2);margin-top:28px}
.call.red{border-color:var(--bad);background:var(--bad-soft)}
.adx{display:grid;gap:10px;margin-top:8px}
.adx div{border-radius:10px;padding:13px 15px;font-size:14.5px;font-weight:600}
.adx .bad{background:var(--bad-soft);color:#8E2A1C;text-decoration:line-through;text-decoration-color:rgba(190,58,40,.5)}
.adx .bad span,.adx .ok span{display:block;font:600 10.5px var(--mono);letter-spacing:.08em;text-transform:uppercase;text-decoration:none;margin-top:4px;opacity:.85}
.adx .ok{background:var(--good-soft);color:#0E5A34}

/* forms */
.formc{background:#fff;border-radius:20px;padding:clamp(22px,3.4vw,36px);box-shadow:var(--shadow-lg);border:1px solid var(--hair);color:var(--ink)}
.formc h3{font-size:1.4rem;margin-bottom:6px;color:var(--ink-2)}
.formc .fsub{font-size:14.5px;color:var(--mut);margin-bottom:20px}
.fg{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.f{display:flex;flex-direction:column;gap:6px}
.f.full{grid-column:1/-1}
label{font-size:13px;font-weight:600;color:var(--ink-2)}
label i{font-style:normal;color:var(--mut-2);font-weight:500}
input,select,textarea{font:16px var(--sans);color:var(--ink-2);background:#fff;border:1px solid var(--hair-2);border-radius:10px;padding:13px 14px;width:100%;min-height:48px;appearance:none;-webkit-appearance:none}
select{background-image:linear-gradient(45deg,transparent 50%,var(--mut) 50%),linear-gradient(135deg,var(--mut) 50%,transparent 50%);background-position:calc(100% - 20px) 21px,calc(100% - 15px) 21px;background-size:5px 5px;background-repeat:no-repeat;padding-right:38px}
textarea{min-height:120px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:2px solid var(--teal);outline-offset:1px;border-color:var(--teal)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.formc .btn{width:100%;margin-top:18px}
.fmsg{font-size:14px;margin-top:12px;min-height:20px}
.fmsg.err{color:var(--bad);font-weight:600}
.fine{font-size:12.5px;color:var(--mut-2);margin-top:12px}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:20px;overflow:hidden;box-shadow:var(--shadow-lg);border:1px solid var(--hair)}
.calc .in{background:#fff;padding:clamp(22px,3.4vw,36px)}
.calc .out{background:linear-gradient(160deg,var(--navy),var(--navy-d));padding:clamp(22px,3.4vw,36px);color:#C4CDDB}
.sl{margin-bottom:26px}
.sl .row{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px}
.sl .row b{font-size:1.5rem;color:var(--ink-2);letter-spacing:-.02em}
input[type=range]{padding:0;min-height:32px;border:0;accent-color:var(--teal-m);appearance:auto;-webkit-appearance:auto;background:transparent}
.og{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.og .k{font:600 10.5px var(--mono);letter-spacing:.1em;text-transform:uppercase;color:#8494AD}
.og .v{font-size:1.9rem;font-weight:700;color:#fff;letter-spacing:-.03em;line-height:1.1;margin-top:4px}
.og .wide{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.14);padding-top:18px}
.og .wide .v{font-size:clamp(2.2rem,5vw,3.2rem);color:#2DD4BF}

/* faq */
.faq{max-width:860px;margin:0 auto;display:grid;gap:12px}
details{background:#fff;border:1px solid var(--hair);border-radius:14px;box-shadow:var(--shadow)}
summary{cursor:pointer;list-style:none;padding:20px 54px 20px 22px;font-weight:700;color:var(--ink-2);font-size:16.5px;position:relative;min-height:48px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:24px;font-weight:400;color:var(--teal-m)}
details[open] summary::after{content:"\2212"}
details p{padding:0 22px 20px;color:var(--mut);font-size:15.5px}

/* sources */
.sources{font-size:13.5px;color:var(--mut)}
.sources h2{font-size:1.2rem;margin-bottom:14px}
.sources ol{padding-left:22px;display:grid;gap:8px}
.sources a{word-break:break-word}

/* cta strip */
.cta .wrap{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.cta h2{max-width:20ch}
.cta .btns{display:flex;gap:12px;flex-wrap:wrap}

/* footer */
.ftr{background:var(--navy-d);color:#93A0B5;padding:56px 0 28px;font-size:14px}
.ftr .cols4{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px}
.ftr img{height:44px;width:auto;margin:0 0 12px -10px}
.ftr h4{color:#fff;font-size:12px;font-family:var(--mono);letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
.ftr a{display:block;color:#C4CDDB;text-decoration:none;padding:6px 0}
.ftr .legal{border-top:1px solid rgba(255,255,255,.1);margin-top:36px;padding-top:20px;font-size:12.5px;color:#76849B;display:grid;gap:8px}
@media (hover:hover){.ftr a:hover{color:#5EEAD4}}

.prose{max-width:760px}
.prose h2{font-size:1.5rem;margin:36px 0 12px}
.prose p,.prose li{color:var(--mut);font-size:16px}
.prose ul{padding-left:22px;display:grid;gap:8px;margin-top:10px}

/* responsive */
@media (max-width:1080px){
  .nav,.hdr-cta .btn{display:none}
  .menu-btn{display:inline-flex}
}
@media (max-width:900px){
  .hero-grid,.g2,.calc{grid-template-columns:1fr}
  .g3{grid-template-columns:1fr}
  .g4{grid-template-columns:1fr 1fr}
  .band{grid-template-columns:1fr 1fr}
  .band>div:nth-child(3){border-left:0}
  .band>div:nth-child(n+3){border-top:1px solid var(--hair)}
  .flow{grid-template-columns:repeat(3,1fr)}
  .ftr .cols4{grid-template-columns:1fr 1fr}
  .vids{grid-template-columns:repeat(3,minmax(220px,1fr));overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:10px;margin:0 calc(var(--edge) * -1);padding-left:var(--edge);padding-right:var(--edge)}
  .vid{scroll-snap-align:center}
  .photo img{aspect-ratio:4/3}
}
@media (max-width:560px){
  .fg,.g4,.og{grid-template-columns:1fr}
  .band{grid-template-columns:1fr}
  .band>div{border-left:0;border-top:1px solid var(--hair)}
  .band>div:first-child{border-top:0}
  .flow{grid-template-columns:1fr 1fr}
  .hb{grid-template-columns:86px 1fr 50px;font-size:13px}
  .hero .btns .btn,.cta .btns .btn{width:100%}
  .cta .btns{width:100%}
  .ftr .cols4{grid-template-columns:1fr}
  .chart{padding:20px}
  .cols{height:230px}
}

/* white cards sitting inside dark sections keep their own colours */
.sec.dark .formc h3{color:var(--ink-2)}
.sec.dark .formc a:not(.btn){color:var(--teal-d)}
input[type=range]{min-height:44px}
.xl div,.col{min-width:0}
@media (max-width:560px){
  .cols,.xl{gap:10px}
  .xl div{font-size:11.5px;overflow-wrap:anywhere}
  .col .v{font-size:1.05rem}
}