:root{--blue:#1167d8;--blue-dark:#0b4fae;--blue-soft:#eaf3ff;--navy:#0f1b2d;--ink:#1b2638;--text:#4b596b;--muted:#748296;--line:#e3e9f0;--soft:#f7f9fc;--white:#fff;--success:#0f9d78;--max:1600px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);letter-spacing:.006em;-webkit-font-smoothing:antialiased;background:#fff;margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}a{color:inherit;text-decoration:none}button,input{font:inherit}button{cursor:pointer}.container{width:min(calc(100% - 48px),var(--max));margin-inline:auto}.site-header{z-index:50;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);background:#fffffff5;position:sticky;top:0}.nav{justify-content:space-between;align-items:center;gap:30px;min-height:76px;display:flex}.brand{letter-spacing:-.012em;color:var(--navy);align-items:center;gap:10px;font-size:1.15rem;font-weight:700;display:flex}.brand-mark{background:var(--blue);color:#fff;border-radius:11px;place-items:center;width:36px;height:36px;display:grid}.brand-mark [data-lucide]{width:21px;height:21px}.nav-links{color:#4d5b6d;letter-spacing:.01em;align-items:center;gap:30px;font-size:.95rem;font-weight:550;display:flex}.nav-links a:hover,.nav-links a.active{color:var(--blue)}.nav-actions{align-items:center;gap:10px;display:flex}.btn{border:1px solid #0000;border-radius:11px;justify-content:center;align-items:center;gap:9px;min-height:46px;padding:0 17px;font-weight:650;transition:all .2s;display:inline-flex}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:var(--blue-dark)}.btn-outline{color:var(--navy);background:#fff;border-color:#cad5e2}.mobile-toggle{background:0 0;border:0;padding:8px;display:none}.eyebrow{color:var(--blue);letter-spacing:.075em;text-transform:uppercase;align-items:center;gap:8px;margin-bottom:16px;font-size:.8rem;font-weight:700;display:inline-flex}.eyebrow-dot{background:var(--blue);border-radius:50%;width:8px;height:8px}.hero{border-bottom:1px solid var(--line);background:linear-gradient(#f8fbff 0%,#fff 100%);padding:74px 0 82px}.hero-inner{text-align:center;max-width:920px;margin:0 auto}h1{color:var(--navy);letter-spacing:-.028em;margin:0;font-size:clamp(2.6rem,4vw,4.5rem);font-weight:700;line-height:1.08}.hero p{max-width:720px;color:var(--text);margin:20px auto 0;font-size:1.06rem;line-height:1.8}.help-search{background:#fff;border:1px solid #dce5ee;border-radius:16px;grid-template-columns:1fr auto;gap:10px;max-width:760px;margin:30px auto 0;padding:10px;display:grid;box-shadow:0 12px 34px #0f1b2d12}.search-field{align-items:center;gap:10px;min-height:54px;padding:0 14px;display:flex}.search-field [data-lucide]{color:#758498;flex:none;width:21px;height:21px}.search-field input{width:100%;color:var(--navy);background:0 0;border:0;outline:0;font-size:.96rem}.search-field input::placeholder{color:#94a1b2}.help-search .btn{min-height:54px;padding:0 22px}.quick-links{color:#667487;flex-wrap:wrap;justify-content:center;gap:10px 18px;margin-top:20px;font-size:.84rem;display:flex}.quick-links a{color:var(--blue);font-weight:600}.section{padding:96px 0}.section-soft{background:var(--soft)}.section-heading{max-width:780px;margin-bottom:36px}.section-heading.center{text-align:center;margin-left:auto;margin-right:auto}.section-heading h2{color:var(--navy);letter-spacing:-.022em;margin:0;font-size:clamp(1.95rem,2.8vw,3rem);font-weight:650;line-height:1.16}.section-heading p{color:var(--text);margin:15px 0 0;font-size:.98rem;line-height:1.75}.topic-grid{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}.topic-card{border:1px solid var(--line);background:#fff;border-radius:20px;min-height:210px;padding:26px;transition:all .2s}.topic-card:hover{border-color:#b5cbe8;transform:translateY(-2px);box-shadow:0 12px 28px #0f1b2d0d}.topic-icon{background:var(--blue-soft);width:62px;height:62px;color:var(--blue);border-radius:16px;place-items:center;margin-bottom:20px;display:grid}.topic-icon [data-lucide]{stroke-width:1.75px;width:32px;height:32px}.topic-card h3{color:var(--navy);letter-spacing:-.006em;margin:0 0 9px;font-size:1.05rem;font-weight:650}.topic-card p{color:var(--text);margin:0;font-size:.89rem;line-height:1.65}.topic-link{color:var(--blue);align-items:center;gap:6px;margin-top:18px;font-size:.83rem;font-weight:600;display:inline-flex}.topic-link [data-lucide]{width:16px;height:16px}.path-grid{grid-template-columns:1fr 1fr;gap:18px;display:grid}.path-card{border:1px solid var(--line);background:#fff;border-radius:22px;padding:32px}.path-card.business{background:var(--navy);border-color:var(--navy);color:#fff}.path-top{align-items:center;gap:14px;margin-bottom:20px;display:flex}.path-icon{background:var(--blue-soft);width:54px;height:54px;color:var(--blue);border-radius:15px;flex:none;place-items:center;display:grid}.business .path-icon{color:#9cc7ff;background:#ffffff17}.path-icon [data-lucide]{width:28px;height:28px}.path-card h3{color:var(--navy);letter-spacing:-.01em;margin:0;font-size:1.35rem;font-weight:650}.business h3{color:#fff}.path-card>p{color:var(--text);margin:0;font-size:.93rem;line-height:1.72}.business>p{color:#bfcbda}.article-list{gap:0;margin-top:22px;display:grid}.article-link{border-top:1px solid var(--line);color:#536174;justify-content:space-between;align-items:center;gap:16px;padding:15px 0;font-size:.88rem;font-weight:550;display:flex}.business .article-link{color:#d7e2ee;border-top-color:#ffffff1a}.article-link [data-lucide]{width:17px;height:17px;color:var(--blue);flex:none}.business .article-link [data-lucide]{color:#8fc0ff}.faq-layout{grid-template-columns:260px minmax(0,1fr);align-items:start;gap:40px;display:grid}.faq-nav{gap:6px;display:grid;position:sticky;top:104px}.faq-nav a{color:#647286;border-radius:10px;padding:11px 12px;font-size:.86rem;font-weight:550}.faq-nav a:hover,.faq-nav a.active{background:var(--blue-soft);color:var(--blue)}.faq-content h3{color:var(--navy);margin:0 0 18px;font-size:1.2rem;font-weight:650}.faq-group+.faq-group{margin-top:36px}.faq{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line);padding:21px 0}summary{cursor:pointer;color:var(--navy);justify-content:space-between;align-items:center;gap:20px;font-size:.96rem;font-weight:600;list-style:none;display:flex}summary::-webkit-details-marker{display:none}summary [data-lucide]{width:19px;height:19px;color:var(--blue);flex:none}details p{max-width:840px;color:var(--text);margin:13px 0 0;font-size:.9rem;line-height:1.72}.contact-wrap{grid-template-columns:.9fr 1.1fr;align-items:stretch;gap:24px;display:grid}.contact-copy{background:var(--blue);color:#fff;border-radius:22px;padding:38px}.contact-copy .eyebrow{color:#d9e9ff}.contact-copy .eyebrow-dot{background:#d9e9ff}.contact-copy h2{letter-spacing:-.02em;margin:0;font-size:clamp(1.9rem,2.8vw,2.8rem);font-weight:650;line-height:1.16}.contact-copy p{color:#ddeaff;margin:15px 0 0;font-size:.94rem;line-height:1.72}.contact-options{grid-template-columns:1fr 1fr;gap:14px;display:grid}.contact-card{border:1px solid var(--line);background:#fff;border-radius:20px;padding:26px}.contact-card [data-lucide]{width:34px;height:34px;color:var(--blue);stroke-width:1.7px;margin-bottom:18px}.contact-card h3{color:var(--navy);margin:0;font-size:1.03rem;font-weight:650}.contact-card p{color:var(--muted);margin:8px 0 16px;font-size:.86rem;line-height:1.62}footer{border-top:1px solid var(--line);background:#fff;padding:48px 0 30px}.footer-grid{grid-template-columns:1.4fr repeat(3,.75fr);gap:36px;display:grid}.footer-brand p{color:var(--muted);max-width:430px;font-size:.92rem;line-height:1.65}footer h4{color:var(--navy);margin:0 0 14px;font-size:.9rem}footer a{color:#657488;margin:9px 0;font-size:.89rem;display:block}footer a:hover{color:var(--blue)}.footer-bottom{border-top:1px solid var(--line);color:#7b8898;flex-wrap:wrap;justify-content:space-between;gap:20px;margin-top:34px;padding-top:20px;font-size:.84rem;display:flex}@media (width<=1080px){.topic-grid{grid-template-columns:repeat(2,1fr)}.faq-layout{grid-template-columns:1fr}.faq-nav{gap:8px;padding-bottom:4px;display:flex;position:static;overflow-x:auto}.faq-nav a{white-space:nowrap;border:1px solid var(--line)}.contact-wrap{grid-template-columns:1fr}}@media (width<=860px){.nav-links,.nav-actions .btn-outline{display:none}.mobile-toggle{display:block}.path-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}}@media (width<=640px){.container{width:min(calc(100% - 24px),var(--max))}.nav{min-height:68px}.hero{padding:52px 0 62px}h1{font-size:clamp(2.35rem,12vw,3.6rem)}.hero p{font-size:.98rem}.help-search{grid-template-columns:1fr}.help-search .btn{width:100%}.section{padding:70px 0}.topic-grid,.contact-options{grid-template-columns:1fr}.contact-copy{padding:28px}.footer-grid{grid-template-columns:1fr}}