:root{--ink:#173d37;--deep:#174c43;--green:#178b68;--mint:#dff4eb;--lime:#a8dfc7;--orange:#f28a55;--paper:#fbfdfc;--muted:#61746f;--line:#dce8e4;--white:#fff;--shadow:0 18px 55px rgba(19,61,55,.11)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:#17332e;font:16px/1.65 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{color:var(--deep)}img{max-width:100%}.wrap{width:min(1140px,calc(100% - 36px));margin:auto}
header{position:sticky;top:0;z-index:40;background:rgba(251,253,252,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{height:72px;display:flex;align-items:center;gap:24px}.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:850;font-size:20px;letter-spacing:-.03em}.mark{width:31px;height:31px;border-radius:8px;background:linear-gradient(145deg,var(--deep),var(--green));display:grid;place-items:center;color:white;font-size:17px}
.links{display:flex;gap:24px;margin-left:auto;align-items:center}.links a{text-decoration:none;font-weight:650;font-size:14px}.btn,.links .btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:9px;padding:12px 18px;background:var(--orange);color:#fff;text-decoration:none;font-weight:800;box-shadow:0 7px 18px rgba(242,138,85,.22);cursor:pointer}.btn.green{background:var(--deep)}.menu{display:none;margin-left:auto;border:0;background:none;font-size:27px}
.hero{padding:76px 0 58px;background:radial-gradient(circle at 80% 10%,#d8f1e8 0,transparent 33%),linear-gradient(#fbfdfc,#f3faf7)}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:58px;align-items:center}
.kicker{display:inline-block;padding:6px 10px;border:1px solid #b8dbcf;border-radius:99px;background:#eff9f5;color:var(--deep);font-size:12px;font-weight:850;letter-spacing:.08em;text-transform:uppercase}
h1{font-size:clamp(40px,6vw,68px);line-height:1.02;letter-spacing:-.055em;margin:18px 0 20px;color:var(--ink)}h2{font-size:clamp(28px,4vw,42px);line-height:1.12;letter-spacing:-.04em;color:var(--ink)}h3{line-height:1.25;color:var(--ink)}
.lead{font-size:19px;color:#49645d;max-width:690px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.note{font-size:13px;color:var(--muted);margin-top:12px}
.dashboard{background:var(--deep);border-radius:24px;padding:18px;box-shadow:var(--shadow);transform:rotate(1.2deg)}.dash-inner{background:#fff;border-radius:14px;padding:20px}.minihead{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid var(--line);padding-bottom:14px}.metric-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:14px}.metric{background:#f1f8f5;border-radius:10px;padding:15px}.metric b{display:block;font-size:24px;color:var(--green)}.chart{height:140px;margin-top:16px;border-radius:10px;background:linear-gradient(180deg,transparent 95%,#dfe9e5 95%),linear-gradient(90deg,transparent 95%,#dfe9e5 95%);background-size:100% 28px,45px 100%;position:relative;overflow:hidden}.chart:after{content:"";position:absolute;left:4%;right:4%;top:48%;height:3px;background:var(--green);transform:skewY(-9deg);box-shadow:70px -22px 0 var(--orange)}
section{padding:66px 0}.section-head{max-width:720px;margin-bottom:30px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:15px;padding:25px;box-shadow:0 8px 30px rgba(19,61,55,.05)}.card p{color:var(--muted)}.card a.more{font-weight:800;text-decoration:none}.tag{font-size:11px;font-weight:850;text-transform:uppercase;letter-spacing:.08em;color:var(--green)}
.band{background:var(--deep);color:#eaf7f2}.band h2,.band h3{color:#fff}.band p{color:#cbe0d9}
.article{max-width:800px;margin:auto}.article h1{font-size:clamp(38px,6vw,60px)}.article h2{margin-top:48px}.article h3{margin-top:30px}.article p,.article li{font-size:17px}.breadcrumbs{font-size:13px;color:var(--muted);margin:24px 0}.breadcrumbs a{color:var(--muted)}.callout{border-left:4px solid var(--green);background:#eef8f4;padding:18px 22px;margin:28px 0;border-radius:0 10px 10px 0}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px;margin:26px 0}table{border-collapse:collapse;width:100%;background:white;min-width:650px}th,td{text-align:left;padding:15px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#edf7f3;color:var(--ink)}
.disclosure{font-size:13px;background:#fff7f0;border:1px solid #f6dac8;padding:12px 16px;border-radius:9px;color:#684a3a}.cta{background:linear-gradient(135deg,var(--deep),#116e5a);color:#fff;padding:28px;border-radius:16px;margin:36px 0}.cta h3{color:#fff;margin-top:0}.cta p{color:#d9ece6}
footer{padding:45px 0;border-top:1px solid var(--line);background:#f1f7f5}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:35px}.foot a{display:block;margin:7px 0;text-decoration:none;font-size:14px}.small{font-size:12px;color:var(--muted)}
.overlay{position:fixed;inset:0;background:rgba(7,28,24,.91);z-index:100;display:none;align-items:center;justify-content:center;padding:20px}.overlay.show{display:flex}.offer{width:min(760px,100%);background:#f8fcfa;border-radius:24px;padding:42px;position:relative;text-align:center;box-shadow:0 30px 100px #0008}.offer h2{font-size:40px;margin:10px 0}.close{position:absolute;right:18px;top:12px;border:0;background:none;font-size:30px;cursor:pointer}.offer-points{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:25px 0}.offer-points div{background:#eaf6f1;padding:13px;border-radius:10px;font-size:13px;font-weight:750}
@media(max-width:820px){.links{display:none;position:absolute;top:72px;left:0;right:0;background:white;padding:20px;flex-direction:column;align-items:stretch;border-bottom:1px solid var(--line)}.links.open{display:flex}.menu{display:block}.hero{padding-top:48px}.hero-grid,.grid3,.foot{grid-template-columns:1fr}.dashboard{transform:none}.offer{padding:32px 20px}.offer h2{font-size:31px}.offer-points{grid-template-columns:1fr}.article{width:min(100% - 34px,800px)}}

.topic-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.eyebrow{font-weight:850;color:var(--green);font-size:13px;text-transform:uppercase;letter-spacing:.07em}
.answer{font-size:20px;line-height:1.55;color:#35554d}.steps{counter-reset:item;list-style:none;padding:0}.steps li{counter-increment:item;margin:18px 0;padding-left:48px;position:relative}.steps li:before{content:counter(item);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--mint);display:grid;place-items:center;font-weight:850;color:var(--deep)}
.related{margin-top:48px;padding-top:26px;border-top:1px solid var(--line)}.related a{display:inline-block;margin:5px 12px 5px 0;font-weight:700}.byline{font-size:13px;color:var(--muted);margin:-6px 0 24px}
@media(max-width:820px){.topic-grid{grid-template-columns:1fr}}