.footer-network[data-astro-cid-sz7xmlte]{border-top:1px solid var(--border);margin-top:4px;padding-top:22px}.footer-network[data-astro-cid-sz7xmlte] h4[data-astro-cid-sz7xmlte]{margin:0 0 14px}.footer-network[data-astro-cid-sz7xmlte] ul[data-astro-cid-sz7xmlte]{list-style:none;margin:0;padding:0;display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}.footer-network[data-astro-cid-sz7xmlte] li[data-astro-cid-sz7xmlte]{line-height:1.35}.footer-network[data-astro-cid-sz7xmlte] a[data-astro-cid-sz7xmlte]{font-weight:700;text-decoration:none;color:#fff}.footer-network[data-astro-cid-sz7xmlte] a[data-astro-cid-sz7xmlte]:hover{color:#ffffffb8;text-decoration:underline}.footer-network[data-astro-cid-sz7xmlte] span[data-astro-cid-sz7xmlte]{display:block;margin-top:3px;font-size:.85rem;color:#fff9}.fha-legal[data-astro-cid-sz7xmlte]{margin-top:10px;font-size:.82rem;color:#fff9}.footer-operator[data-astro-cid-sz7xmlte]{margin-top:16px;font-size:.9rem;line-height:1.5;padding-top:12px;border-top:1px solid rgba(255,255,255,.18)}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/spectral-cyrillic-ext-400-normal.B4-YHs9i.woff2) format("woff2"),url(/_astro/spectral-cyrillic-ext-400-normal.-n_iQ4wr.woff) format("woff");unicode-range:U+0460-052F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/spectral-cyrillic-400-normal.Bx9Tn3WZ.woff2) format("woff2"),url(/_astro/spectral-cyrillic-400-normal.X3p2PSzL.woff) format("woff");unicode-range:U+0301,U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/spectral-vietnamese-400-normal.C7CRHYqk.woff2) format("woff2"),url(/_astro/spectral-vietnamese-400-normal.CWkMWCzb.woff) format("woff");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/spectral-latin-ext-400-normal.XDLFwhqg.woff2) format("woff2"),url(/_astro/spectral-latin-ext-400-normal.BHbqXr-7.woff) format("woff");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/spectral-latin-400-normal.CTVgUekv.woff2) format("woff2"),url(/_astro/spectral-latin-400-normal.D34IWA1h.woff) format("woff");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:500;src:url(/_astro/spectral-cyrillic-ext-500-normal.bcG1qx3J.woff2) format("woff2"),url(/_astro/spectral-cyrillic-ext-500-normal.B5u3KHyE.woff) format("woff");unicode-range:U+0460-052F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:500;src:url(/_astro/spectral-cyrillic-500-normal.medSbGbm.woff2) format("woff2"),url(/_astro/spectral-cyrillic-500-normal.CNC_J6mt.woff) format("woff");unicode-range:U+0301,U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:500;src:url(/_astro/spectral-vietnamese-500-normal.qnENts6X.woff2) format("woff2"),url(/_astro/spectral-vietnamese-500-normal.BfZg6KYt.woff) format("woff");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:500;src:url(/_astro/spectral-latin-ext-500-normal.CC9VEg_t.woff2) format("woff2"),url(/_astro/spectral-latin-ext-500-normal.Bmnp8FUT.woff) format("woff");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:500;src:url(/_astro/spectral-latin-500-normal.nNjq7_Cd.woff2) format("woff2"),url(/_astro/spectral-latin-500-normal.PrYyf_gG.woff) format("woff");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/spectral-cyrillic-ext-600-normal.CvRHnPuy.woff2) format("woff2"),url(/_astro/spectral-cyrillic-ext-600-normal.BVATWin6.woff) format("woff");unicode-range:U+0460-052F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/spectral-cyrillic-600-normal.Dl75bDKp.woff2) format("woff2"),url(/_astro/spectral-cyrillic-600-normal.veT-ELBO.woff) format("woff");unicode-range:U+0301,U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/spectral-vietnamese-600-normal.ZNiwCzjU.woff2) format("woff2"),url(/_astro/spectral-vietnamese-600-normal.esmjhrFa.woff) format("woff");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/spectral-latin-ext-600-normal.DKlDBbgb.woff2) format("woff2"),url(/_astro/spectral-latin-ext-600-normal.DnKmvInL.woff) format("woff");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Spectral;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/spectral-latin-600-normal.DE3OxvnQ.woff2) format("woff2"),url(/_astro/spectral-latin-600-normal.DXnQJnYb.woff) format("woff");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Public Sans Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/public-sans-vietnamese-wght-normal.CtlIRbEm.woff2) format("woff2-variations");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Public Sans Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/public-sans-latin-ext-wght-normal.MQgHevqp.woff2) format("woff2-variations");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Public Sans Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/public-sans-latin-wght-normal.DdeTHZLK.woff2) format("woff2-variations");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}:root{--bg: #FBFAF7;--surface: #F1EFE9;--surface-alt: #F1EFE9;--surface-warm: #ECF0EF;--text: #1A1D1A;--muted: #5C6159;--primary: #22505A;--primary-dark: #163B43;--accent: #3A6570;--accent-dark: #22505A;--accent-text: #22505A;--flag: #9A3324;--border: #D8D4CB;--shadow: 0 1px 2px rgba(26, 29, 26, .06);--shadow-sm: 0 1px 2px rgba(26, 29, 26, .05);--shadow-warm: 0 1px 2px rgba(26, 29, 26, .06);--radius: 4px;--radius-sm: 3px;--radius-pill: 4px;--maxw: 1140px;--font-head: "Spectral", Georgia, "Times New Roman", serif;--font-serif: "Spectral", Georgia, "Times New Roman", serif;--font-body: "Public Sans Variable", system-ui, -apple-system, "Segoe UI", sans-serif;--font: var(--font-body)}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--font-body);color:var(--text);background:var(--bg);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}h1,h2,h3,h4{color:var(--text);font-family:var(--font-head);letter-spacing:-.005em;margin:0 0 .5em;text-wrap:balance}h1{font-size:clamp(2.1rem,4.8vw,3.3rem);font-weight:600;line-height:1.1}h2{font-size:clamp(1.5rem,3vw,2.05rem);font-weight:500;margin-top:1.9em;padding-top:.9em;border-top:1px solid var(--border);line-height:1.25}h3{font-size:1.28rem;font-weight:600;margin-top:1.3em;line-height:1.28}.section-head h2,.card h3,.cta-band h2,.form-card h3,.step h3,.footer-brand,.spotlight h2{border-top:0;padding-top:0}p{margin:0 0 1.1em}.article-body p,.article-body li,.article-body blockquote,.lede,.faq-a,.quick-answer p{font-family:var(--font-serif)}.article-body table,.stat .big{font-variant-numeric:tabular-nums}a{color:var(--primary);text-decoration:none}a:hover{text-decoration:underline}.article-body a,.disclosure a,.faq-a a,.byline a,.site-footer a{text-decoration:underline;text-underline-offset:2px}img{max-width:100%;height:auto}:where(a,button,input,select,textarea,summary):focus-visible{outline:3px solid var(--primary);outline-offset:2px;border-radius:4px}.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}.narrow{max-width:760px}.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--border);transition:box-shadow .2s ease}.site-header.scrolled{box-shadow:0 1px 4px #1a1d1a14;border-bottom-color:transparent}.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;height:64px}.brand{display:inline-flex;align-items:center;gap:9px;font-family:var(--font-head);font-weight:700;font-size:1.15rem;color:var(--text);letter-spacing:-.02em;white-space:nowrap}.brand:hover{text-decoration:none}.brand .dot{color:var(--accent-dark)}.nav-right{display:flex;align-items:center;gap:18px}.nav-links{display:flex;align-items:center;gap:18px;list-style:none;margin:0;padding:0}.nav-links a{color:var(--text);font-weight:500;font-size:.93rem;white-space:nowrap}.nav-right .btn{padding:9px 16px;font-size:.93rem;white-space:nowrap}.nav-links a:hover{color:var(--primary);text-decoration:none}.lang-toggle{display:inline-flex;align-items:center;gap:6px;font-size:.84rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--text);border:1px solid var(--text);border-radius:var(--radius-sm);padding:6px 12px;white-space:nowrap;min-height:36px}.lang-toggle:hover{color:var(--primary);border-color:var(--primary);text-decoration:none}.lang-toggle .globe{width:15px;height:15px}.nav-toggle{display:none;width:44px;height:44px;align-items:center;justify-content:center;background:transparent;border:1px solid var(--border);border-radius:var(--radius-sm);color:var(--primary);cursor:pointer}.nav-toggle svg{width:22px;height:22px}.nav-drawer{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--font-body);font-weight:600;font-size:1rem;padding:13px 26px;border-radius:var(--radius-sm);border:1.5px solid transparent;cursor:pointer;transition:background .15s ease,border-color .15s ease;text-align:center}.btn:hover{text-decoration:none}.btn:active{transform:translateY(1px)}.btn-primary{background:var(--primary);color:#fff}.btn-primary:hover{background:var(--primary-dark);color:#fff}.btn-gold{background:#fff;color:var(--primary);border-color:var(--primary)}.btn-gold:hover{background:var(--surface);color:var(--primary-dark)}.btn-secondary{background:#fff;color:var(--primary);border-color:var(--border);box-shadow:var(--shadow-sm)}.btn-secondary:hover{border-color:var(--accent);color:var(--primary-dark)}.btn-ghost{background:transparent;color:var(--primary);padding:11px 18px}.btn-lg{padding:16px 34px;font-size:1.07rem}.btn-block{width:100%}.hero{background:var(--surface);padding:40px 0 36px;border-bottom:1px solid var(--border)}.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:44px;align-items:start}.eyebrow{display:block;font-family:var(--font-body);font-size:.76rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);padding:10px 0 0;margin-bottom:14px;border-top:2px solid var(--text);max-width:max-content}.hero h1{margin-bottom:.34em}.hero .lede{font-size:1.16rem;color:var(--muted);margin-bottom:24px;max-width:32em}.hero-cta{display:flex;gap:12px;flex-wrap:wrap}.hero-trust{margin-top:22px;font-size:.9rem;color:var(--muted);display:flex;gap:16px;flex-wrap:wrap}.hero-trust span{display:inline-flex;align-items:center;gap:6px}.check{color:var(--accent-dark);font-weight:800}.spotlight{position:relative;isolation:isolate;background:var(--primary-dark);color:#fff;overflow:hidden;padding:60px 0 64px}.spotlight-photo{position:absolute;inset:0;z-index:-1;width:100%;height:100%;object-fit:cover;object-position:100% 40%;opacity:.28;mask-image:linear-gradient(90deg,transparent 0%,transparent 38%,#000 100%);-webkit-mask-image:linear-gradient(90deg,transparent 0%,transparent 38%,#000 100%);pointer-events:none}.spotlight:before{content:none}.spotlight-stage{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}.spotlight-chip{display:block;font-family:var(--font-body);font-size:.76rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:#ffffffd9;border-top:2px solid rgba(255,255,255,.85);padding:10px 0 0;margin-bottom:18px;max-width:max-content}.spotlight h1{color:#fff;font-size:clamp(2.4rem,5.2vw,3.8rem);margin-bottom:.32em}.spotlight .lede{font-size:1.22rem;line-height:1.5;color:#ffffffe6;margin-bottom:28px;max-width:33em}.spotlight-cta{display:flex;gap:12px;flex-wrap:wrap}.spotlight-proof{margin-top:26px;display:flex;gap:10px;flex-wrap:wrap}.proof-pill{display:inline-flex;align-items:center;gap:7px;font-size:.88rem;font-weight:500;color:#fff;border:1px solid rgba(255,255,255,.35);padding:7px 14px;border-radius:var(--radius-sm)}.proof-pill .check{color:#ffffffd9}.spotlight-aside{background:#fff;border-radius:var(--radius);padding:8px;border:1px solid var(--border)}.section{padding:44px 0}.section-tight{padding:32px 0}.section-surface{background:var(--surface)}.section-warm{background:var(--surface-warm)}.section-head{max-width:40em;margin:0 0 26px}.section-head p{color:var(--muted);font-size:1.06rem;margin-bottom:0}.section-kicker{display:inline-block;font-size:.74rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-text);margin-bottom:8px}.section-head h2{margin-top:0}.card-grid,.deck{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.card{position:relative;background:#fff;border:1px solid var(--border);border-radius:var(--radius-sm);padding:22px 20px;box-shadow:var(--shadow-sm);transition:border-color .18s ease;display:block;color:inherit;overflow:hidden}a.card:hover{text-decoration:none;border-color:var(--primary)}a.card:hover .card-icon{background:var(--primary);color:#fff}.card-icon{width:46px;height:46px;border-radius:var(--radius-pill);background:var(--surface-alt);color:var(--primary);display:grid;place-items:center;margin-bottom:14px;transition:background .15s ease,color .15s ease}.card h3{margin:0 0 5px;font-size:1.1rem}.card p{margin:0;color:var(--muted);font-size:.93rem;line-height:1.5}.card .arrow{color:var(--accent-text);font-weight:700;margin-top:12px;display:inline-block;font-size:.9rem}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.step .num{width:42px;height:42px;border-radius:var(--radius-sm);background:var(--surface);color:var(--primary);font-weight:600;border:1px solid var(--border);font-family:var(--font-body);font-variant-numeric:tabular-nums;display:grid;place-items:center;margin-bottom:12px}.step h3{margin-top:0}.step p{color:var(--muted)}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.stat{background:#fff;border:1px solid var(--border);border-radius:var(--radius-sm);padding:18px 16px;text-align:center}.stat .big{font-family:var(--font-head);font-size:clamp(1.8rem,4vw,2.3rem);font-weight:700;color:var(--primary);letter-spacing:-.02em}.stat .lbl{color:var(--muted);font-size:.9rem}.cta-band{position:relative;background:var(--primary-dark);color:#fff;border-radius:var(--radius);padding:48px 44px;text-align:center}.cta-band h2{color:#fff;margin-top:0}.cta-band p{color:#ffffffdb;max-width:34em;margin:0 auto 24px}.lead-form{display:grid;gap:14px}.field{display:grid;gap:6px}.field label{font-weight:600;font-size:.92rem}.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:var(--radius-sm);font:inherit;font-size:1rem;background:#fff;color:var(--text)}.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px #22505a26}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;align-items:start}.field-help{font-size:.82rem;color:var(--muted);margin:0}.form-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}.form-note{font-size:.88rem;color:var(--muted);margin:4px 0 0;line-height:1.5}.qualify-block{margin-top:6px;padding-top:16px;border-top:1px solid var(--border)}.form-subhead{font-size:.95rem;font-weight:600;color:var(--text);margin:0 0 2px}.btn[aria-busy=true]{opacity:.75;pointer-events:none}.quick-answer{border-top:2px solid var(--text);border-bottom:1px solid var(--border);padding:14px 0 16px;margin:26px 0 30px}.quick-answer .label{display:block;font-family:var(--font-body);font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin-bottom:10px}.quick-answer p{margin:0;font-size:1.26rem;line-height:1.55}.quick-answer .qa-sources{display:flex;flex-wrap:wrap;align-items:center;gap:4px 10px;margin-top:14px;padding-top:10px;border-top:1px solid var(--border);font-family:var(--font-body);font-size:.76rem;font-weight:500;letter-spacing:.04em;color:var(--muted)}.quick-answer .qa-sources .qa-check{color:var(--primary);font-weight:700}.faq{margin-top:44px}.faq-item{border-bottom:1px solid var(--border)}.faq-item>summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:18px 0;font-weight:700;font-size:1.06rem;color:var(--text)}.faq-item>summary::-webkit-details-marker{display:none}.faq-item>summary .chev{flex:none;width:20px;height:20px;color:var(--muted);transition:transform .18s ease}.faq-item[open]>summary .chev{transform:rotate(180deg)}.faq-item[open]>summary{color:var(--primary)}.faq-a{margin:0 0 18px;color:var(--muted);max-width:60ch}.article-body{max-width:760px;margin:0 auto}.article-body table{width:100%;border-collapse:collapse;margin:22px 0;font-size:.96rem}.article-body th,.article-body td{border:1px solid var(--border);padding:10px 14px;text-align:left}.article-body th{background:var(--surface);font-weight:700}.article-body blockquote{border:1px solid var(--border);background:var(--surface);margin:22px 0;padding:14px 20px;border-radius:var(--radius-sm);color:var(--muted)}.byline{color:var(--muted);font-size:.95rem;margin-top:-4px}.byline a{color:var(--primary)}.inline-cta{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:24px;margin:32px 0;text-align:center}.inline-cta h3{margin-top:0}.disclosure{font-size:.82rem;color:var(--muted);background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-sm);padding:12px 16px;margin:18px 0}.ad-slot{margin:28px 0;text-align:center;min-height:90px}.ad-slot .ad-label{font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);display:block;margin-bottom:4px}.ck-ad{display:flex;flex-direction:column;align-items:center;gap:10px;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:16px 18px 18px}.ck-ad .ck-head{display:flex;width:100%;justify-content:space-between;align-items:baseline;gap:12px;padding-bottom:10px;border-bottom:1px solid var(--border)}.ck-ad .ck-kicker{font-size:.76rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}.ck-ad .ck-disclosure{font-size:.66rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);white-space:nowrap}.ck-ad .ck-cta{font-family:var(--font-serif);font-weight:600;font-size:1.2rem;line-height:1.3;text-align:center;color:var(--primary);text-decoration:none}.ck-ad .ck-cta:hover{text-decoration:underline}.ck-ad .ck-banner{display:block;width:300px;max-width:100%;line-height:0}.ck-ad .ck-banner img{display:block;width:300px;max-width:100%;height:auto;border:0}.ck-ad .ck-banner--ph{display:flex;align-items:center;justify-content:center;width:300px;height:250px;background:var(--surface);border:1px dashed var(--border);border-radius:var(--radius);color:var(--muted);font-size:.8rem;text-align:center;line-height:1.4}.ck-ad--inline{max-width:360px;margin:30px auto}.post-list{display:grid;gap:18px}.post-card{display:flex;justify-content:space-between;gap:20px;align-items:center;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:22px 24px;box-shadow:var(--shadow-sm);color:inherit}.post-card:hover{box-shadow:var(--shadow);text-decoration:none;border-color:var(--primary)}.post-card .meta{font-size:.82rem;color:var(--muted);text-transform:uppercase;letter-spacing:.05em}.post-card h3{margin:4px 0 6px}.post-card p{margin:0;color:var(--muted);font-size:.96rem}.tag{font-size:.74rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--accent-text);background:var(--surface-warm);border:1px solid color-mix(in srgb,var(--accent) 35%,#fff);padding:3px 11px;border-radius:var(--radius-pill);white-space:nowrap}.site-footer{background:var(--primary-dark);color:#ffffffeb;margin-top:64px;padding:48px 0 28px;font-size:.96rem}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px;margin-bottom:28px}.site-footer h4{color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.07em;margin:0 0 14px}.site-footer a{color:#ffffffe0}.site-footer a:hover{color:#fff}.footer-links{list-style:none;padding:0;margin:0;display:grid;gap:9px}.footer-trust{list-style:none;padding:0;margin:0;display:grid;gap:10px}.footer-trust li{display:flex;align-items:flex-start;gap:9px;line-height:1.4}.footer-trust .tick{color:#ffffffbf;font-weight:800;flex:none}.footer-brand{font-weight:800;color:#fff;font-size:1.15rem;margin-bottom:10px}.footer-disclaimer{border-top:1px solid rgba(255,255,255,.15);padding-top:22px;font-size:.8rem;color:#fff9;line-height:1.6}.crumbs{font-size:.86rem;color:var(--muted);margin:22px 0 10px}.crumbs a{color:var(--muted)}.crumbs a:hover{color:var(--primary)}.center{text-align:center}.mt-0{margin-top:0}.lead-list{padding-left:1.2em}.lead-list li{margin-bottom:8px}.author-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-sm);padding:16px 20px;margin:16px 0 8px}.author-card .author-name{font-weight:600;margin:0 0 6px;color:var(--text)}.author-card .author-role{font-weight:400;color:var(--muted)}.author-card p:last-child{margin-bottom:0}.pill-row{display:flex;gap:10px;flex-wrap:wrap;margin:18px 0}.hero--image{position:relative;border-bottom:none;background:var(--primary-dark);isolation:isolate}.hero--image .hero-bg{position:absolute;inset:0;z-index:-2;width:100%;height:100%;object-fit:cover}.hero--image:after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,#163b43eb,#163b43c7 45%,#163b438c)}.hero--image .eyebrow{background:transparent;color:#ffffffd9;border-top-color:#ffffffd9}.hero--image h1{color:#fff}.hero--image .lede{color:#ffffffe6}.hero--image .hero-trust{color:#ffffffd9}.hero--image .crumbs,.hero--image .crumbs a,.hero--image .byline{color:#ffffffb3}.hero--accent{border-top:4px solid var(--hero-accent, var(--primary))}.hero--accent.hero--image:after{background:linear-gradient(100deg,color-mix(in srgb,var(--hero-accent) 92%,#060c16),color-mix(in srgb,var(--hero-accent) 80%,#060c16) 40%,color-mix(in srgb,var(--hero-accent) 64%,transparent))}.hero-badge{display:inline-flex;align-items:center;justify-content:center;width:52px;height:52px;border-radius:var(--radius);margin-bottom:16px;color:#fff;background:var(--hero-accent, var(--primary))}.hero--image .hero-badge{background:#ffffff2e}.section-figure{margin:0}.section-figure img{width:100%;border-radius:var(--radius);box-shadow:var(--shadow);display:block}@media(max-width:1040px){.card-grid,.deck{grid-template-columns:repeat(2,1fr)}}@media(max-width:960px){.footer-grid{grid-template-columns:1.3fr 1fr 1fr}.spotlight-stage{grid-template-columns:1fr;gap:36px}.spotlight-aside{max-width:360px}}@media(max-width:860px){.hero-grid{grid-template-columns:1fr;gap:32px}.card-grid,.deck,.steps{grid-template-columns:repeat(2,1fr)}.stats{grid-template-columns:1fr 1fr;gap:16px}.footer-grid{grid-template-columns:1fr 1fr}.nav-links{display:none}.nav-toggle{display:inline-flex}.nav-right .btn-primary{display:none}.nav-drawer{display:block;overflow:hidden;max-height:0;background:#fff;border-bottom:1px solid var(--border);transition:max-height .25s ease}.nav-drawer.open{max-height:80vh;box-shadow:0 4px 12px #1a1d1a1a}.nav-drawer ul{list-style:none;margin:0;padding:8px 20px 16px;display:grid;gap:2px}.nav-drawer a{display:block;padding:13px 4px;font-weight:600;color:var(--text);border-bottom:1px solid var(--border)}.nav-drawer a:last-child{border-bottom:none}.nav-drawer .btn{margin-top:12px}}@media(max-width:560px){body{font-size:16px}.card-grid,.deck,.steps,.field-row{grid-template-columns:1fr}.stats{grid-template-columns:1fr 1fr}.hero{padding:36px 0 32px}.spotlight{padding:44px 0 48px}.section{padding:36px 0}.cta-band{padding:32px 22px}.post-card{flex-direction:column;align-items:flex-start}.footer-grid{grid-template-columns:1fr;gap:24px}}[hidden]{display:none!important}.fha-promo{background:var(--primary-dark);color:#fff;padding:36px 0}.fha-promo-inner{display:flex;gap:28px;align-items:center;justify-content:space-between;flex-wrap:wrap}.fha-promo-copy{flex:1 1 430px}.fha-promo-copy h2{color:#fff;margin:6px 0 8px;font-size:1.7rem;line-height:1.15;border-top:0;padding-top:0}.fha-promo-copy p{color:#ffffffd9;margin:0;max-width:46em}.fha-badge{display:inline-block;color:#ffffffd9;border-top:2px solid rgba(255,255,255,.85);font-weight:600;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;padding:8px 0 0;margin-bottom:8px}.fha-promo-cta{flex:0 0 auto;text-align:center}.fha-cta{background:#fff;color:var(--primary-dark)!important;border:0;font-weight:600}.fha-cta:hover{background:var(--surface)}.fha-promo-note{color:#fff9;font-size:.76rem;margin:8px 0 0}.fha-promo-note a{color:#fffc;text-decoration:underline}.announce-bar{background:var(--surface);color:var(--text);border-bottom:1px solid var(--border);text-align:center;font-size:.88rem;font-weight:500;padding:8px 14px;line-height:1.3}.announce-bar a{color:var(--primary);text-decoration:underline;font-weight:600}.announce-bar a:hover{text-decoration:none}.ihero-form{align-self:start}.ihero-form .form-card h3{font-size:1.15rem}@media(max-width:900px){.fha-promo-inner{text-align:center}.fha-promo-copy{flex-basis:100%}.fha-promo-cta{width:100%}}.scam-shield{border-left:3px solid var(--flag);background:var(--bg);border-top:1px solid var(--border);border-bottom:1px solid var(--border);border-right:1px solid var(--border);border-radius:0 var(--radius) var(--radius) 0;padding:16px 18px;margin:0 0 18px}.scam-shield .ss-label{display:block;font-family:var(--font-body);font-size:.74rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--flag);margin-bottom:8px}.scam-shield ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}.scam-shield li{font-family:var(--font-serif);font-size:1.04rem;line-height:1.5;color:var(--text);padding-left:1.3em;position:relative}.scam-shield li:before{content:"—";position:absolute;left:0;color:var(--flag)}.scam-shield .ss-note{margin:12px 0 0;padding-top:10px;border-top:1px solid var(--border);font-size:.8rem;color:var(--muted)}.scam-shield .ss-note a{color:var(--muted);text-decoration:underline}.hero-rail{display:grid;gap:14px;align-self:start}.hero--image .scam-shield{background:#fff}
