:root{--navy:#17324d;--navy2:#0e2438;--teal:#43bdbb;--teal-dark:#167f80;--pink:#e91e63;--ink:#142232;--muted:#5d6a76;--soft:#eef8f7;--line:#d8e2e8;--white:#fff;--shadow:0 18px 55px rgba(23,50,77,.13);--radius:22px;--wrap:min(1180px,calc(100% - 40px))}*{box-sizing:border-box;min-width:0}html{scroll-behavior:smooth;overflow-x:hidden}body{margin:0;color:var(--ink);font-family:Inter,Arial,sans-serif;line-height:1.65;background:#fff;overflow-x:hidden}h1,h2,h3,p,a,span{overflow-wrap:anywhere}img{max-width:100%;height:auto;display:block}a{color:inherit}button,input,select,textarea{font:inherit}.wrap{width:var(--wrap);margin:auto}.narrow{max-width:820px}.skip-link{position:fixed;left:12px;top:-100px;background:#fff;color:#000;padding:10px;z-index:9999}.skip-link:focus{top:12px}.topbar{background:var(--navy2);color:#dce8f0;font-size:.82rem}.topbar-inner{display:flex;justify-content:space-between;padding:8px 0}.topbar a{margin-left:22px;text-decoration:none}.site-header{position:sticky;top:0;z-index:200;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.nav-wrap{display:flex;align-items:center;justify-content:space-between;min-height:84px}.brand img{width:220px;max-height:68px;object-fit:contain}.site-nav{display:flex;gap:24px;align-items:center}.site-nav>a{text-decoration:none;font-weight:700;font-size:.92rem}.menu-toggle{display:none;background:transparent;border:0}.button{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:0 22px;border-radius:999px;background:var(--pink);color:#fff;text-decoration:none;font-weight:800;border:2px solid var(--pink);cursor:pointer;box-shadow:0 9px 24px rgba(233,30,99,.18)}.button:hover{background:#c81651}.button-small{min-height:42px;padding:0 17px;font-size:.88rem}.button-ghost{background:transparent;color:var(--navy);border-color:var(--navy);box-shadow:none}.hero{padding:54px 0 70px;background:linear-gradient(135deg,#f5fbfb 0%,#fff 58%,#fff1f6 100%);overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.04fr .96fr;gap:60px;align-items:center}.hero-copy h1{font-size:clamp(2.7rem,5vw,5.1rem);line-height:.98;letter-spacing:-.055em;margin:14px 0 24px;color:var(--navy)}.eyebrow{text-transform:uppercase;letter-spacing:.14em;color:var(--teal-dark);font-size:.76rem;font-weight:900}.lead{font-size:1.25rem;max-width:720px;color:#394c5c}.lead-small{font-size:1.16rem}.hero-actions{display:flex;gap:12px;margin:30px 0}.hero-media{position:relative}.hero-media:before{content:"";position:absolute;width:170px;height:170px;border-radius:50%;background:var(--teal);top:-28px;right:-30px;opacity:.22}.hero-media img{width:100%;height:540px;object-fit:cover;border-radius:28px;box-shadow:var(--shadow);position:relative}.media-note{position:absolute;left:-32px;bottom:24px;max-width:310px;background:#fff;padding:18px 20px;border-radius:16px;box-shadow:var(--shadow);display:grid}.media-note b{color:var(--navy)}.media-note span{font-size:.88rem;color:var(--muted)}.trust-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}.trust-row span{background:#fff;border:1px solid var(--line);padding:8px 12px;border-radius:10px;font-size:.8rem}.trust-row b{color:var(--navy)}.breadcrumbs{display:flex;gap:8px;align-items:center;flex-wrap:wrap;font-size:.76rem;color:var(--muted)}.breadcrumbs a{text-decoration:none}.proof-bar{background:var(--navy);color:#fff}.proof-grid{display:grid;grid-template-columns:repeat(4,1fr)}.proof-grid>*{padding:25px;border-right:1px solid rgba(255,255,255,.16);text-decoration:none;display:grid}.proof-grid b{color:#fff}.proof-grid span{font-size:.8rem;color:#c8d8e6}.section{padding:90px 0}.section-soft{background:var(--soft)}.section-navy{background:var(--navy);color:#eef6fb}.section-navy h2,.section-navy h3{color:#fff}.section h2{font-size:clamp(2rem,3.5vw,3.4rem);line-height:1.08;letter-spacing:-.04em;color:var(--navy);margin:8px 0 24px}.section h3{color:var(--navy);font-size:1.24rem}.intro-grid,.content-grid,.quote-grid,.form-grid,.split{display:grid;grid-template-columns:1.25fr .75fr;gap:72px;align-items:start}.risk-card,.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}.risk-card .number{color:var(--pink);font-size:.78rem;font-weight:900}.risk-card h3{margin:2px 0}.panel.sticky{position:sticky;top:118px}.panel dl{display:grid;grid-template-columns:1fr 1.2fr;gap:9px}.panel dt{font-weight:800}.panel dd{margin:0}.section-heading{display:flex;align-items:end;justify-content:space-between;margin-bottom:30px}.cards{display:grid;gap:22px}.cards.three{grid-template-columns:repeat(3,1fr)}.cards.four{grid-template-columns:repeat(4,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:27px;min-height:225px;display:flex;flex-direction:column}.section-navy .card{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.16)}.card p{color:var(--muted);flex:1}.section-navy .card p{color:#cbd8e2}.text-link{font-weight:850;color:var(--teal-dark);text-decoration:none}.tick-list{list-style:none;padding:0}.tick-list li{position:relative;padding:8px 0 8px 27px}.tick-list li:before{content:"✓";position:absolute;left:0;color:var(--teal-dark);font-weight:900}.faq-list{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line)}summary{padding:20px 40px 20px 0;cursor:pointer;font-weight:850;color:var(--navy);position:relative}summary:after{content:"+";position:absolute;right:5px;font-size:1.4rem;color:var(--pink)}details[open] summary:after{content:"–"}details div{padding:0 36px 18px 0}.steps{padding-left:22px}.steps li{padding:10px}.steps.compact li{padding:6px}.quote-grid blockquote,.testimonial{margin:0 0 24px;padding:26px;border-left:5px solid var(--teal);background:#fff;border-radius:0 16px 16px 0}.quote-grid cite{display:block;margin-top:14px;font-style:normal;font-weight:800;color:var(--navy)}.notice{padding:18px;border:1px solid #f1c1d1;background:#fff4f8;border-radius:14px}.map-frame{aspect-ratio:16/7;border-radius:18px;overflow:hidden;border:1px solid var(--line);background:#ddd}.map-frame iframe{width:100%;height:100%;border:0}.quote-form{background:#fff}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}.quote-form label,.quote-form fieldset{display:grid;gap:6px;margin-bottom:18px;font-weight:800}.quote-form input,.quote-form select,.quote-form textarea{width:100%;border:1px solid #aebbc6;border-radius:10px;padding:13px;background:#fff;color:var(--ink)}.quote-form input:focus,.quote-form select:focus,.quote-form textarea:focus{outline:3px solid rgba(67,189,187,.25);border-color:var(--teal-dark)}.quote-form fieldset{border:1px solid var(--line);border-radius:12px;padding:16px}.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}.check-grid label,.consent{display:flex!important;align-items:flex-start;font-weight:500!important}.check-grid input,.consent input{width:auto;margin:5px 8px 0 0}.hp{position:absolute!important;left:-10000px!important}.small{font-size:.82rem;color:var(--muted)}.legal-hero{padding:70px 0;background:var(--soft)}.legal-hero h1{font-size:clamp(2.5rem,5vw,4.4rem);color:var(--navy)}.final-cta{padding:65px 0;background:linear-gradient(135deg,var(--teal),#90ddd7)}.final-cta h2{font-size:clamp(2rem,4vw,3.5rem);line-height:1.05;color:var(--navy);margin:8px 0}.cta-actions{display:grid;align-content:center;gap:12px;text-align:center}.footer{background:var(--navy2);color:#c7d4df;padding:65px 0 25px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:40px}.footer h2{font-size:.9rem;color:#fff}.footer a{display:block;text-decoration:none;margin:8px 0}.footer-logo{filter:brightness(0) invert(1);max-width:210px}.footer-base{display:flex;justify-content:space-between;border-top:1px solid rgba(255,255,255,.13);padding-top:24px;margin-top:45px;font-size:.75rem}.footer-base div{display:flex;gap:18px}.cookie-banner{position:fixed;left:20px;right:20px;bottom:20px;z-index:500;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:18px;padding:20px;display:flex;align-items:center;justify-content:space-between;gap:30px}.cookie-banner[hidden]{display:none}.cookie-banner p{margin:3px 0}.cookie-banner>div{min-width:0}.cookie-banner>div:last-child{display:flex;align-items:center;gap:10px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}@media(max-width:980px){.topbar{display:none}.menu-toggle{display:grid;gap:4px}.menu-toggle span:not(.sr-only){width:27px;height:3px;background:var(--navy)}.site-nav{display:none;position:absolute;top:84px;left:0;right:0;background:#fff;padding:25px;box-shadow:var(--shadow);align-items:stretch}.site-nav.open{display:grid}.hero-grid,.intro-grid,.content-grid,.quote-grid,.form-grid,.split{grid-template-columns:minmax(0,1fr);gap:38px}.hero-media img{height:430px}.media-note{left:15px}.proof-grid{grid-template-columns:1fr 1fr}.cards.four{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.panel.sticky{position:static}}@media(max-width:650px){:root{--wrap:calc(100% - 28px)}.site-header .brand img{width:180px}.hero{padding-top:34px}.hero-grid{gap:30px}.hero-copy h1{font-size:2.55rem;letter-spacing:-.045em}.hero-media img{height:330px}.hero-actions{display:grid}.hero-actions .button{width:100%;padding:10px 14px;line-height:1.2;text-align:center}.media-note{position:relative;left:auto;bottom:auto;margin:-35px 14px 0}.proof-grid,.cards.three,.cards.four,.footer-grid,.field-row,.check-grid{grid-template-columns:minmax(0,1fr)}.proof-grid>*{border-right:0;border-bottom:1px solid rgba(255,255,255,.15)}.section{padding:65px 0}.section-heading,.footer-base,.cookie-banner,.cookie-banner>div:last-child{align-items:stretch;flex-direction:column}.footer-base{display:flex}.cookie-banner{left:10px;right:10px;max-height:calc(100vh - 20px);overflow:auto}.cookie-banner .button{width:100%}.panel dl{grid-template-columns:1fr}.topbar-inner{display:none}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}.back-to-top{position:fixed;right:20px;bottom:20px;z-index:190;width:48px;height:48px;border:0;border-radius:50%;background:var(--navy);color:#fff;font-size:1.3rem;box-shadow:var(--shadow);cursor:pointer;opacity:0;pointer-events:none;transform:translateY(10px);transition:.2s}.back-to-top.show{opacity:1;pointer-events:auto;transform:none}.cookie-banner:not([hidden])~.back-to-top{bottom:130px}@media(max-width:650px){.back-to-top{right:12px;bottom:12px}}.section.section-navy{padding:64px 0}.section.section-navy h2,.section.section-navy h3{color:#fff}.section.section-navy h2{margin-bottom:32px}.faq-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:40px;border-top:0}.faq-list details{border-top:1px solid var(--line)}@media(max-width:899px){.faq-list{grid-template-columns:minmax(0,1fr)}}.site-nav>a,.nav-item>a{text-decoration:none;font-weight:700;font-size:.92rem}.nav-item{position:relative;display:flex;align-items:center}.submenu-toggle{display:grid;place-items:center;width:30px;height:30px;margin-left:2px;border:0;background:transparent;color:var(--navy);font-weight:900;cursor:pointer}.submenu-toggle span[aria-hidden=true]{transition:transform .18s}.has-submenu.open .submenu-toggle span[aria-hidden=true]{transform:rotate(180deg)}.submenu{position:absolute;z-index:20;top:calc(100% + 22px);left:-20px;width:330px;padding:12px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);display:grid;gap:2px;opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .18s,transform .18s,visibility .18s}.submenu:before{content:"";position:absolute;left:0;right:0;top:-24px;height:24px}.submenu a{padding:10px 12px;border-radius:9px;text-decoration:none;font-size:.88rem;font-weight:750;color:var(--navy)}.submenu a:hover,.submenu a:focus-visible{background:var(--soft);color:var(--teal-dark)}.submenu .submenu-all{margin-top:5px;border-top:1px solid var(--line);border-radius:0;color:var(--teal-dark)}.has-submenu:hover .submenu,.has-submenu:focus-within .submenu,.has-submenu.open .submenu{opacity:1;visibility:visible;transform:none}@media(max-width:980px){.nav-item{display:grid;grid-template-columns:1fr auto}.nav-item>a{padding:8px 0}.submenu-toggle{width:44px;height:44px}.submenu{display:none;position:static;grid-column:1/-1;width:100%;padding:6px 0 6px 15px;border:0;border-left:3px solid var(--teal);border-radius:0;box-shadow:none;opacity:1;visibility:visible;transform:none;transition:none}.submenu:before{display:none}.has-submenu:hover .submenu,.has-submenu:focus-within .submenu{display:none}.has-submenu.open .submenu{display:grid}.submenu a{padding:8px 10px}.submenu .submenu-all{border-top:0}}.footer .footer-company{display:inline;margin:0;text-decoration:underline;text-underline-offset:3px}.footer .footer-company:hover,.footer .footer-company:focus-visible{color:#fff}.home-blog{overflow:hidden}.carousel-shell{display:grid;grid-template-columns:48px minmax(0,1fr) 48px;gap:16px;align-items:center}.blog-carousel{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(310px,380px);gap:22px;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:thin;padding:4px 4px 22px}.blog-carousel .blog-card{scroll-snap-align:start}.carousel-control{width:48px;height:48px;border:1px solid var(--line);border-radius:50%;background:#fff;color:var(--navy);font-size:1.35rem;font-weight:800;cursor:pointer}.carousel-control:hover,.carousel-control:focus-visible{background:var(--navy);color:#fff}.blog-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}.blog-grid.related{grid-template-columns:repeat(3,minmax(0,1fr))}.blog-card{display:flex;flex-direction:column;min-width:0;background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;box-shadow:0 10px 28px rgba(18,48,73,.07)}.blog-card-image{display:block}.blog-card-image img{display:block;width:100%;height:210px;object-fit:cover}.blog-card-body{display:flex;flex-direction:column;align-items:flex-start;gap:13px;flex:1;padding:24px}.blog-card h3{font-size:1.28rem;margin:0}.blog-card h3 a{text-decoration:none;color:var(--navy)}.blog-card p{font-size:.95rem;margin:0;display:-webkit-box;-webkit-line-clamp:4;-webkit-box-orient:vertical;overflow:hidden}.service-tag{display:inline-flex;align-items:center;min-height:32px;padding:5px 11px;border-radius:999px;background:#dff6f5;color:var(--teal-dark);font-size:.78rem;font-weight:850;text-decoration:none;text-transform:uppercase;letter-spacing:.035em}.blog-card-meta{display:flex;justify-content:space-between;align-items:center;gap:15px;width:100%;margin-top:auto;padding-top:8px;font-size:.83rem}.article-hero{padding:58px 0 46px;background:linear-gradient(135deg,#f2fbfa,#fff7fa)}.article-hero-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(330px,.85fr);gap:55px;align-items:center}.article-hero h1{font-size:clamp(2.5rem,5vw,4.65rem);line-height:.98;letter-spacing:-.052em;margin:22px 0}.article-hero-grid>img{width:100%;height:480px;object-fit:cover;border-radius:24px}.article-byline{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:28px;color:#506171;font-size:.9rem}.article-byline strong{color:var(--navy)}.article-layout{display:grid;grid-template-columns:minmax(0,760px) minmax(250px,340px);gap:70px;align-items:start}.article-content>section{padding:42px 0;border-bottom:1px solid var(--line);scroll-margin-top:110px}.article-content h2{font-size:clamp(1.8rem,3vw,2.55rem)}.direct-answer{padding:30px;border-radius:20px;background:#edf9f8;border-left:5px solid var(--teal)}.article-contents{display:grid;gap:10px;margin:34px 0;padding:26px;border:1px solid var(--line);border-radius:18px;background:#fff}.article-contents a{width:max-content;max-width:100%}.section-number{font-size:.85rem;font-weight:900;letter-spacing:.15em;color:var(--teal-dark)}.article-list{display:grid;gap:18px;padding-left:22px}.article-list li{padding-left:8px}.source-box,.warning-box{margin:28px 0;padding:24px;border-radius:16px;background:#f3f6f8}.warning-box{background:#fff3f7;border-left:5px solid var(--pink)}.source-box p,.warning-box p{margin-bottom:0}.article-sidebar .panel{display:grid;gap:16px}.article-sidebar .text-link{margin-top:2px}.author-box{display:flex;justify-content:space-between;align-items:end;gap:28px}.author-box p{max-width:620px}.related-reading .blog-card p{display:none}@media(max-width:980px){.blog-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.article-hero-grid,.article-layout{grid-template-columns:minmax(0,1fr)}.article-hero-grid>img{height:400px}.article-sidebar{display:none}}@media(max-width:650px){.carousel-shell{grid-template-columns:minmax(0,1fr)}.carousel-control{display:none}.blog-carousel{grid-auto-columns:86vw}.blog-grid,.blog-grid.related{grid-template-columns:minmax(0,1fr)}.article-hero{padding-top:34px}.article-hero-grid{gap:28px}.article-hero h1{font-size:2.65rem}.article-hero-grid>img{height:300px}.direct-answer{padding:23px}.article-byline{display:grid}.author-box{align-items:start;flex-direction:column}.blog-card-image img{height:200px}}.carousel-shell{min-width:0}.blog-carousel{display:flex;flex-flow:row nowrap;align-items:stretch;min-width:0;max-width:100%;overflow-x:auto;overflow-y:hidden;overscroll-behavior-inline:contain}.blog-carousel .blog-card{flex:0 0 calc((100% - 44px)/3);width:calc((100% - 44px)/3);scroll-snap-align:start}.blog-carousel .blog-card-body{min-height:335px}.blog-carousel .blog-card p{-webkit-line-clamp:3}@media(max-width:980px){.blog-carousel .blog-card{flex-basis:calc((100% - 22px)/2);width:calc((100% - 22px)/2)}}@media(max-width:650px){.carousel-shell{grid-template-columns:1fr 1fr;gap:12px}.carousel-control{display:grid;place-items:center;width:40px;height:40px}.blog-carousel{grid-column:1/-1;grid-row:1;padding-bottom:14px}.carousel-control[data-carousel-prev]{grid-column:1;grid-row:2;justify-self:end}.carousel-control[data-carousel-next]{grid-column:2;grid-row:2;justify-self:start}.blog-carousel .blog-card{flex-basis:100%;width:100%}.blog-carousel .blog-card-body{min-height:320px}}