@font-face{font-family:Jakarta;src:url(/fonts/jakarta.woff2) format("woff2");font-weight:500 800;font-display:swap}
@font-face{font-family:Inter;src:url(/fonts/inter.woff2) format("woff2");font-weight:400 700;font-display:swap}
:root{--ink:#10232a;--teal:#0e3b43;--teal2:#155e68;--sea:#1f7f8a;--mist:#e6f1f1;--sand:#f7f4ee;--paper:#fffdf9;--amber:#f2b84b;--amber2:#d9952a;--rust:#b4532a;--line:#e3ddd2;--muted:#5a6b70;--r:14px;--sh:0 1px 2px rgba(16,35,42,.06),0 8px 24px rgba(16,35,42,.06)}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:400 17px/1.65 Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--sand)}
h1,h2,h3,.fh,.logo{font-family:Jakarta,Inter,system-ui,sans-serif;letter-spacing:-.015em;line-height:1.2;color:var(--teal)}
h1{font-size:clamp(32px,4.6vw,52px);margin:0 0 16px;font-weight:800}
h2{font-size:clamp(24px,3vw,34px);margin:0 0 14px;font-weight:750}
h3{font-size:20px;margin:0 0 8px;font-weight:700}
p{margin:0 0 16px}a{color:var(--teal2)}a:hover{color:var(--rust)}
img{max-width:100%;height:auto}
.wrap{max-width:1180px;margin:0 auto;padding:0 22px}.wrap.narrow{max-width:820px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
.ic{width:20px;height:20px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:none}.ic.xs{width:14px;height:14px}
/* header */
header.site{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40}
.hbar{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:18px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--teal);font-size:19px}
.logo .mark{width:40px;height:40px;flex:none}.logo .lt{display:flex;flex-direction:column;line-height:1.1;font-weight:600}
.logo .lt b{font-weight:800}.logo small{font:500 11.5px/1.3 Inter,sans-serif;color:var(--muted);letter-spacing:.06em;text-transform:uppercase;margin-top:3px}
.logo.light{color:#fff}.logo.light small{color:#a9c6c9}
nav.main{display:flex;align-items:center;gap:6px}
nav.main>a,.dd>button{font:600 15px Inter,sans-serif;color:var(--ink);text-decoration:none;background:none;border:0;padding:10px 12px;border-radius:9px;cursor:pointer;display:flex;align-items:center;gap:5px}
nav.main>a:hover,.dd>button:hover{background:var(--mist)}
.dd{position:relative}.dd .menu{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--sh);padding:8px;min-width:260px;z-index:50}
.dd:hover .menu,.dd:focus-within .menu{display:block}
.dd .menu a{display:block;padding:9px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:15px}.dd .menu a:hover{background:var(--mist)}
.menu-toggle{display:none;align-items:center;gap:6px;border:1px solid var(--line);background:#fff;border-radius:10px;padding:9px 12px;font:600 15px Inter,sans-serif;color:var(--teal)}
@media(max-width:980px){.menu-toggle{display:flex}nav.main{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 22px 20px;border-bottom:1px solid var(--line);box-shadow:var(--sh)}
nav.main.open{display:flex}.dd .menu{position:static;display:block;box-shadow:none;border:0;padding:0 0 0 12px}.dd>button{width:100%}}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:9px;font:700 16px Inter,sans-serif;text-decoration:none;border-radius:11px;padding:14px 22px;border:2px solid transparent;transition:.15s}
.btn-call{background:var(--amber);color:var(--teal);border-color:var(--amber)}.btn-call:hover{background:var(--amber2);border-color:var(--amber2);color:var(--teal)}
.btn-call.sm{padding:10px 16px;font-size:15px}.btn-call.lg{padding:17px 28px;font-size:18px}
.btn-line{border-color:var(--teal);color:var(--teal);background:transparent}.btn-line:hover{background:var(--teal);color:#fff}
/* hero */
.hero{background:var(--teal);color:#e9f3f3;padding:54px 0 60px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(242,184,75,.18),transparent 65%)}
.hero h1{color:#fff;max-width:880px}.hero .lede{font-size:19px;max-width:760px;color:#cfe3e4}
.hero .crumbs a,.hero .crumbs span,.hero .crumbs i{color:#a9c6c9}
.hero .actions{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0 12px}.hero .btn-line{border-color:#a9c6c9;color:#fff}.hero .btn-line:hover{background:#fff;color:var(--teal)}
.hero .fine-note{font-size:14px;color:#a9c6c9;max-width:640px}.hero .fine-note a{color:#fff}
.kicker{display:inline-block;font:700 12.5px Inter,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:var(--amber);margin-bottom:12px}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.14);border-radius:var(--r);overflow:hidden;margin-top:34px;position:relative;z-index:1}
.facts div{background:var(--teal2);padding:16px 18px}.facts b{display:block;font:800 26px Jakarta,sans-serif;color:#fff}.facts span{font-size:13.5px;color:#cfe3e4}
@media(max-width:760px){.facts{grid-template-columns:1fr 1fr}}
.crumbs{font-size:14px;margin-bottom:14px;display:flex;flex-wrap:wrap;gap:6px}.crumbs i{font-style:normal;opacity:.6}.crumbs a{text-decoration:none}
/* sections */
.sec{padding:52px 0}.sec:not(.alt)+.sec:not(.alt){padding-top:4px}.sec.alt+.sec.alt{border-top:0}.sec.alt{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-intro{max-width:760px;margin-bottom:28px}.sec-intro p{color:var(--muted);font-size:18px}
.split{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:44px;align-items:start}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:28px}}
.prose h2{margin-top:36px}.prose h2:first-child{margin-top:0}.prose h3{margin-top:24px}
/* data panel */
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--sh)}
.panel h3{font-size:18px}.panel .src{font-size:13px;color:var(--muted);margin:14px 0 0}
.bars{display:grid;gap:12px;margin:16px 0 4px}.bar{display:grid;grid-template-columns:130px 1fr 44px;align-items:center;gap:10px;font-size:14.5px}
.bar .t{height:12px;background:var(--mist);border-radius:6px;overflow:hidden}.bar .t i{display:block;height:100%;background:var(--sea);border-radius:6px}
.bar.hi .t i{background:var(--amber2)}.bar b{text-align:right;font-variant-numeric:tabular-nums}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0 0}.chip{background:var(--mist);color:var(--teal);border-radius:999px;padding:5px 12px;font-size:14px;font-weight:600}
.risk{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:900px){.risk{grid-template-columns:1fr}}
.risk article{background:#fff;border:1px solid var(--line);border-left:4px solid var(--sea);border-radius:var(--r);padding:22px}
.risk article.warm{border-left-color:var(--amber2)}.risk article.hot{border-left-color:var(--rust)}
.risk .when{display:inline-block;font:700 12px Inter;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.risk p{margin:0;font-size:16px}
/* lists */
ul.check,ul.dash{padding:0;margin:0 0 18px;list-style:none}ul.check li,ul.dash li{position:relative;padding-left:30px;margin:0 0 10px}
ul.check li:before{content:"";position:absolute;left:0;top:5px;width:18px;height:18px;border-radius:50%;background:var(--mist) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23155e68' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 12 4 4 8-8'/%3E%3C/svg%3E") center/11px no-repeat}
ul.dash li:before{content:"";position:absolute;left:4px;top:13px;width:12px;height:2px;background:var(--amber2)}
ol.steps{counter-reset:s;list-style:none;padding:0;margin:0 0 18px}ol.steps li{counter-increment:s;position:relative;padding:0 0 16px 50px;min-height:36px}
ol.steps li:before{content:counter(s);position:absolute;left:0;top:-2px;width:34px;height:34px;border-radius:10px;background:var(--teal);color:#fff;font:800 16px Jakarta;display:grid;place-items:center}
.note{background:#fff7e6;border:1px solid #f1d9a6;border-radius:var(--r);padding:18px 20px;margin:22px 0}.note span{display:block;font:700 12px Inter;letter-spacing:.1em;text-transform:uppercase;color:var(--amber2);margin-bottom:4px}.note p{margin:0}
/* cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.cards.two{grid-template-columns:1fr 1fr}.cards.four{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.cards,.cards.four{grid-template-columns:1fr 1fr}}@media(max-width:560px){.cards,.cards.two,.cards.four{grid-template-columns:1fr}}
.card{position:relative;display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 40px 18px 18px;text-decoration:none;color:var(--ink);transition:.15s}
.card:hover{border-color:var(--sea);box-shadow:var(--sh);color:var(--ink)}.card strong{display:block;color:var(--teal);font:700 16.5px Jakarta,sans-serif;margin-bottom:3px}.card span{font-size:14.5px;color:var(--muted)}
.card .go{position:absolute;right:16px;top:20px;color:var(--sea)}
/* states grid */
.stategrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}@media(max-width:900px){.stategrid{grid-template-columns:1fr}}
.stategrid .st{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}.stategrid .st h3 a{text-decoration:none;color:var(--teal)}
.stategrid .st p{font-size:15px;color:var(--muted);margin:0 0 10px}.citylinks{display:flex;flex-wrap:wrap;gap:6px 14px;font-size:15px}
/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:0 0 10px}.faq summary{cursor:pointer;padding:16px 20px;font:700 17px Jakarta,sans-serif;color:var(--teal);list-style:none;position:relative;padding-right:46px}
.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";position:absolute;right:20px;top:12px;font-size:24px;color:var(--sea)}
.faq details[open] summary:after{content:"–"}.faq details div{padding:0 20px 6px}
/* band */
.band{display:grid;grid-template-columns:1.3fr 1fr;gap:30px;align-items:center;background:var(--teal);border-radius:20px;padding:38px 40px;color:#cfe3e4}
.band h2{color:#fff}.band p{margin:0}.band-act{display:flex;flex-direction:column;gap:10px;align-items:flex-start}.band small{color:#a9c6c9;font-size:13.5px}
@media(max-width:860px){.band{grid-template-columns:1fr;padding:30px 24px}}
/* layout with sidebar */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;align-items:start}
@media(max-width:980px){.layout{grid-template-columns:1fr}}
aside.side{position:sticky;top:92px;display:grid;gap:16px}
.side .box{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px}.side .box.dark{background:var(--teal);color:#cfe3e4;border:0}.side .box.dark p.fh{color:#fff}
.side .fh{font-size:16px;margin:0 0 10px}.side nav a{display:block;padding:6px 0;font-size:15px;text-decoration:none;border-bottom:1px dashed var(--line)}
.sources{font-size:14px;color:var(--muted);border-top:1px solid var(--line);margin-top:30px;padding-top:16px}.sources ul{margin:6px 0 0;padding-left:18px}
.updated{font-size:14px;color:var(--muted)}
table.t{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;font-size:15.5px;margin:0 0 20px}
table.t th,table.t td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}table.t th{background:var(--mist);color:var(--teal);font-weight:700}
/* footer */
footer.site{background:#0b2c32;color:#a9c6c9;padding:52px 0 36px;margin-top:20px;font-size:15px}
.fgrid{display:grid;grid-template-columns:1.6fr repeat(4,1fr);gap:30px}@media(max-width:900px){.fgrid{grid-template-columns:1fr 1fr}}
footer .fh{color:#fff;font-size:15px;margin:0 0 10px}footer nav a{display:block;color:#a9c6c9;text-decoration:none;padding:4px 0}footer nav a:hover{color:#fff}
.fabout p{margin-top:16px}.fphone{color:var(--amber);font-weight:700;font-size:18px;text-decoration:none}
.fine{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:22px;font-size:13.5px;line-height:1.6}.fine a{color:#fff}
.callbar{display:none}
@media(max-width:760px){footer.site{padding-bottom:100px}.callbar{display:flex;position:fixed;left:12px;right:12px;bottom:12px;z-index:60;justify-content:center;align-items:center;gap:8px;background:var(--amber);color:var(--teal);font:800 17px Inter;padding:15px;border-radius:14px;text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,.25)}}
@media(max-width:600px){body{font-size:16.5px}.sec{padding:44px 0}.hero{padding:38px 0 44px}.hero .lede{font-size:17.5px}.bar{grid-template-columns:104px 1fr 40px}}

.tscroll{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:12px}.tscroll table.t{min-width:460px;margin:0}
.split>*,.layout>*{min-width:0}
@media(max-width:600px){.logo small{display:none}.logo{font-size:17px}.logo .mark{width:36px;height:36px}}