:root{
  --ink:#102a2c; --muted:#5b6f70; --bg:#f6fbfb; --card:#ffffff;
  --aqua:#1f8f95; --aqua-dark:#146b70; --sand:#e9ddc7; --line:#d9e7e7;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
a{color:var(--aqua-dark);text-decoration-thickness:1px;text-underline-offset:3px}
img{max-width:100%;height:auto}
.wrap{max-width:var(--max);margin:auto;padding:0 22px}
.site-header{position:sticky;top:0;z-index:10;background:rgba(246,251,251,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;letter-spacing:-.02em}
.brand-mark{width:34px;height:34px;border-radius:50% 50% 55% 45% / 62% 62% 38% 38%;background:linear-gradient(145deg,#77d4d8,#16767c);transform:rotate(45deg);display:inline-block;box-shadow:inset 0 0 0 4px rgba(255,255,255,.45)}
nav ul{display:flex;list-style:none;padding:0;margin:0;gap:18px;font-size:.95rem}
.hero{padding:76px 0 46px;background:radial-gradient(circle at 90% 15%,#dff5f5 0,transparent 35%)}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:800;color:var(--aqua-dark)}
h1,h2,h3{line-height:1.18;letter-spacing:-.03em}
h1{font-size:clamp(2.35rem,5vw,4.9rem);max-width:900px;margin:.3em 0 .25em}
h2{font-size:clamp(1.6rem,3vw,2.45rem);margin-top:1.8em}
h3{font-size:1.25rem}
.lede{font-size:1.18rem;max-width:760px;color:#355354}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.btn{display:inline-block;padding:13px 18px;border-radius:10px;font-weight:800;text-decoration:none;border:1px solid var(--aqua-dark)}
.btn.primary{background:var(--aqua-dark);color:white}
.btn.secondary{background:white;color:var(--aqua-dark)}
.grid{display:grid;gap:20px}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px}
.card h3{margin-top:0}
main article{max-width:780px;margin:0 auto;padding:34px 0 70px}
.note,.disclosure{border-left:4px solid var(--aqua);background:white;padding:14px 16px;margin:24px 0;border-radius:8px}
.disclosure{font-size:.92rem;color:#3e5556}
.toc{background:#eef7f7;border:1px solid var(--line);padding:18px;border-radius:12px}
.toc ul{margin-bottom:0}
table{width:100%;border-collapse:collapse;background:white}
th,td{padding:12px;border:1px solid var(--line);text-align:left;vertical-align:top}
th{background:#edf6f6}
.money-box{background:#123d40;color:white;border-radius:18px;padding:26px;margin:34px 0}
.money-box a{color:white}
.money-box .btn{background:white;color:#123d40;border-color:white}
.small{font-size:.9rem;color:var(--muted)}
footer{background:#0f292b;color:#dce9e9;padding:42px 0}
footer a{color:#eafafa}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:26px}
.breadcrumbs{font-size:.87rem;color:var(--muted);padding-top:20px}
.ref-list{font-size:.92rem}
@media(max-width:800px){
  nav ul{display:none}
  .grid-3,.footer-grid{grid-template-columns:1fr}
  .hero{padding-top:48px}
  h1{font-size:2.5rem}
}