:root{--navy:#17324D;--navy-2:#244B5C;--orange:#0F766E;--orange-dark:#115E59;--amber:#E6A04B;--amber-dark:#925B17;--ink:#243746;--muted:#5A6B77;--paper:#FFFFFF;--surface:#F4F7F8;--line:#D9E3E7;--soft-orange:#E7F4F3;--soft-amber:#FFF5E8;--radius:18px;--shadow:0 14px 35px rgba(23,50,77,.09);--max:1160px}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:100px}
body{margin:0;background:var(--paper);color:var(--ink);font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.65;font-size:16px}
img,svg{max-width:100%;height:auto}
a{color:#0D6670;text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--orange-dark)}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--orange);outline-offset:3px}
.container{width:min(var(--max),calc(100% - 36px));margin-inline:auto}
.skip-link{position:absolute;left:-9999px;top:8px;z-index:1000;background:#fff;color:var(--navy);padding:12px;border:2px solid var(--orange);border-radius:8px}
.skip-link:focus{left:12px}
.site-header{position:sticky;top:0;z-index:100;background:rgba(23,50,77,.98);color:#fff;box-shadow:0 4px 18px rgba(0,0,0,.12)}
.header-inner{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:inline-flex;align-items:center;flex:0 0 auto}
.brand img{display:block;width:285px;height:auto}
.primary-nav{display:flex;align-items:center;gap:22px}
.primary-nav a{color:#fff;text-decoration:none;font-size:.95rem;font-weight:650}
.primary-nav a:hover{color:#A7E2DB}
.primary-nav .nav-call{background:var(--orange);color:#fff;padding:11px 16px;border-radius:10px}
.primary-nav .nav-call:hover,.button-primary:hover{background:#115E59;color:#fff}
.menu-toggle{display:none;background:transparent;border:1px solid rgba(255,255,255,.35);border-radius:9px;padding:10px;color:#fff}
.menu-toggle span.bar{display:block;width:22px;height:2px;margin:4px;background:#fff}
h1,h2,h3{color:var(--navy);line-height:1.15;letter-spacing:-.025em}
h1{font-size:clamp(2.25rem,5vw,4.1rem);margin:.4rem 0 1rem;max-width:850px}
h2{font-size:clamp(1.65rem,3vw,2.5rem);margin:0 0 1rem}
h3{font-size:1.18rem;margin:0 0 .55rem}
p{margin:0 0 1rem}
.lead{font-size:clamp(1.08rem,1.7vw,1.28rem);line-height:1.6;color:#334858;max-width:760px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--orange-dark);font-weight:800;font-size:.78rem;text-transform:uppercase;letter-spacing:.12em}
.eyebrow:before{content:"";display:inline-block;width:26px;height:3px;background:var(--orange);border-radius:5px}
.hero{background:linear-gradient(120deg,#fff 0%,#F4F7F8 70%,#EAF6F5 100%);padding:62px 0 54px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:42px;align-items:center}
.hero-art{width:100%;max-width:520px;justify-self:end}
.hero .lead{margin-bottom:1.4rem}
.button-row{display:flex;flex-wrap:wrap;gap:12px;margin:1.25rem 0}
.button{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:50px;padding:13px 19px;border-radius:11px;font-weight:800;text-decoration:none;border:2px solid transparent;transition:background .15s ease,transform .15s ease}
.button:hover{transform:translateY(-1px)}
.button-primary{background:var(--orange);color:#fff}
.button-secondary{border-color:var(--navy);color:var(--navy);background:#fff}
.button-secondary:hover{background:var(--navy);color:#fff}
.microcopy{font-size:.88rem;color:var(--muted);max-width:680px}
.page-hero{padding:48px 0 42px;background:var(--surface);border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(2.15rem,4.5vw,3.5rem)}
.page-hero .lead{max-width:820px}
.breadcrumbs{font-size:.88rem;color:var(--muted);padding:17px 0 0}
.breadcrumbs a{color:#526777}
.section{padding:64px 0}
.section-muted{background:var(--surface)}
.section-intro{max-width:800px;margin-bottom:28px}
.section-intro p{color:#4b5d6b}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:23px;box-shadow:0 6px 18px rgba(23,50,77,.035)}
.card p:last-child{margin-bottom:0}
.card-link{display:block;color:inherit;text-decoration:none;transition:transform .15s ease,box-shadow .15s ease}
.card-link:hover{transform:translateY(-3px);box-shadow:var(--shadow);color:inherit}
.card-link h3{color:var(--navy)}
.icon-chip{display:grid;place-items:center;width:46px;height:46px;border-radius:13px;background:var(--soft-orange);color:var(--orange-dark);font-size:1.35rem;margin-bottom:14px}
.link-arrow{font-weight:800;display:inline-flex;gap:7px;align-items:center;margin-top:12px}
.callout{padding:24px;border-left:5px solid var(--orange);background:#E7F4F3;border-radius:0 14px 14px 0;margin:24px 0}
.callout strong{color:var(--navy)}
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.step{position:relative;padding:22px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.step:before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:34px;height:34px;background:var(--navy);color:#fff;border-radius:50%;font-weight:800;margin-bottom:14px}
.check-list{padding-left:1.25rem}
.check-list li{padding:.25rem 0 .35rem}
.check-list li::marker{color:var(--orange)}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:14px}
table{width:100%;border-collapse:collapse;background:#fff}
th,td{text-align:left;padding:15px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#EAF0F3;color:var(--navy);font-weight:800}
tr:last-child td{border-bottom:0}
.faq-list{display:grid;gap:12px;max-width:900px}
details.faq{border:1px solid var(--line);border-radius:13px;padding:0 18px;background:#fff}
details.faq summary{padding:17px 28px 17px 0;cursor:pointer;list-style:none;font-weight:800;color:var(--navy);position:relative}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary:after{content:"+";position:absolute;right:0;top:14px;color:var(--orange);font-size:1.4rem}
details.faq[open] summary:after{content:"−"}
.faq-answer{padding:0 0 16px;color:#435563}
.cta-band{background:var(--navy);color:#fff;padding:44px 0}
.cta-band h2{color:#fff;margin-bottom:.6rem}
.cta-band p{color:#e1e9ef;max-width:720px}
.cta-band .button-secondary{border-color:#fff;background:transparent;color:#fff}
.cta-band .button-secondary:hover{background:#fff;color:var(--navy)}
.local-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.local-link{padding:16px;border:1px solid var(--line);border-radius:12px;text-decoration:none;background:#fff;font-weight:750;display:flex;justify-content:space-between;gap:10px}
.local-link:hover{border-color:var(--orange);color:var(--navy)}
.note{font-size:.9rem;color:var(--muted)}
.disclosure{font-size:.82rem;color:#5d6a75;background:#f3f5f7;border-radius:10px;padding:12px 14px;margin-top:16px}
.site-footer{background:#10273A;color:#e8eff4;padding:44px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:34px}
.site-footer h2,.site-footer h3{color:#fff}
.site-footer h3{font-size:1rem;margin-bottom:12px}
.site-footer p,.site-footer li{color:#c5d1da;font-size:.92rem}
.site-footer a{color:#fff}
.site-footer a:hover{color:#A7E2DB}
.footer-links{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.17);margin-top:30px;padding-top:18px;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:.82rem;color:#b6c4cf}
.footer-disclosure{font-size:.82rem!important;max-width:550px}
.mobile-call{display:none}
.small-caps{font-size:.8rem;text-transform:uppercase;letter-spacing:.09em;font-weight:800;color:var(--orange-dark)}
.service-tag{display:inline-block;background:#eaf0f4;color:var(--navy);font-weight:750;font-size:.8rem;padding:5px 9px;border-radius:7px;margin:0 5px 7px 0}
hr{border:0;border-top:1px solid var(--line);margin:30px 0}
.text-center{text-align:center}
.max-copy{max-width:820px}
.mt-2{margin-top:2rem}
.mb-0{margin-bottom:0}
.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){.primary-nav{gap:14px}.brand img{width:240px}.hero-grid{gap:22px}.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3,.local-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:760px){html{scroll-padding-top:82px}.container{width:min(var(--max),calc(100% - 28px))}.header-inner{min-height:72px}.brand img{width:225px}.menu-toggle{display:block;cursor:pointer}.primary-nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);padding:16px 20px 22px;align-items:stretch;flex-direction:column;gap:0;border-top:1px solid rgba(255,255,255,.15);box-shadow:0 10px 18px rgba(0,0,0,.18)}.primary-nav.is-open{display:flex}.primary-nav a{padding:12px 4px;border-bottom:1px solid rgba(255,255,255,.1)}.primary-nav .nav-call{text-align:center;margin-top:10px;border:0}.hero{padding:38px 0 36px}.hero-grid{grid-template-columns:1fr;gap:18px}.hero-art{max-width:360px;justify-self:center;order:-1}.hero h1{font-size:clamp(2.15rem,10vw,3.3rem)}.page-hero{padding:34px 0 30px}.section{padding:44px 0}.grid-2,.grid-3,.grid-4,.steps,.footer-grid{grid-template-columns:1fr}.local-grid{grid-template-columns:1fr}.card{padding:20px}.cta-band{padding:36px 0}.mobile-call{display:flex;position:fixed;z-index:120;left:10px;right:10px;bottom:10px;min-height:54px;align-items:center;justify-content:center;gap:9px;background:var(--orange);color:#fff;text-decoration:none;border-radius:13px;font-weight:900;box-shadow:0 8px 24px rgba(0,0,0,.22)}body{padding-bottom:76px}.footer-bottom{display:block}.footer-bottom span{display:block;margin-bottom:8px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}


/* Expanded service, location, and editorial layouts */
.article-layout{display:grid;grid-template-columns:250px minmax(0,1fr);gap:34px;align-items:start}
.article-layout>aside{position:sticky;top:112px;max-height:calc(100vh - 130px);overflow:auto}
.article-content{min-width:0;max-width:900px}
.article-content section{scroll-margin-top:112px;margin-bottom:42px}
.article-content h2{font-size:clamp(1.45rem,2.4vw,2rem);margin:0 0 14px}
.article-content h3{margin-top:18px}
.toc{background:#F4F7F8;border:1px solid var(--line);border-radius:15px;padding:18px}
.toc h2{font-size:1.05rem;margin:0 0 10px}
.toc ol{padding-left:20px;margin:0;display:grid;gap:8px;font-size:.91rem}
.toc a{text-decoration:none;color:#244B5C}
.toc a:hover{text-decoration:underline}
.numbered-steps{padding-left:1.4rem}
.numbered-steps li{padding:.35rem 0 .55rem}
.numbered-steps li::marker{color:var(--orange);font-weight:900}
.infographic{margin:22px 0 26px;background:#F4F7F8;border:1px solid var(--line);border-radius:16px;padding:12px;overflow:hidden}
.infographic img{display:block;width:100%;height:auto;border-radius:10px}
.infographic figcaption,.feature-illustration figcaption{font-size:.83rem;color:var(--muted);padding:10px 4px 2px}
.feature-illustration{margin:0}
.feature-illustration img{display:block;width:100%;height:auto;border-radius:18px;box-shadow:var(--shadow)}
.article-layout .feature-illustration{margin:18px 0}
.related-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.related-link{display:block;padding:14px 16px;border:1px solid var(--line);border-radius:12px;background:#fff;font-weight:750;text-decoration:none}
.related-link:hover{border-color:var(--orange);color:var(--navy)}
.related-section{border-top:1px solid var(--line);padding-top:26px;margin-top:42px}
.related-section h2{font-size:1.5rem}
.source-note{background:#F4F7F8;border-radius:10px;padding:14px;font-size:.92rem}
.table-wrap caption{text-align:left;padding:13px 16px;font-weight:800;color:var(--navy);background:#fff}
.article-content .callout{margin:20px 0}
.footer-subhead{margin-top:22px!important}
.page-hero .breadcrumbs{padding-top:16px}
@media(max-width:980px){.article-layout{grid-template-columns:1fr}.article-layout>aside{position:static;max-height:none}.toc{margin-bottom:28px}.article-content{max-width:none}}
@media(max-width:760px){.related-grid{grid-template-columns:1fr}.infographic{padding:6px}.article-content section{margin-bottom:32px}}


/* Refined ink + teal visual system and accessible dropdown navigation */
a:hover{color:var(--orange-dark)}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--amber);outline-offset:3px}
.skip-link:focus{border-color:var(--amber)}
.site-header{background:rgba(23,50,77,.98)}
.primary-nav{gap:17px}
.primary-nav > a{white-space:nowrap}
.primary-nav .nav-call{background:var(--orange);color:#fff;padding:11px 15px;border-radius:10px;font-weight:850;white-space:nowrap}
.primary-nav .nav-call:hover,.button-primary:hover,.mobile-call:hover{background:var(--orange-dark);color:#fff}
.nav-dropdown{position:relative;display:flex;align-items:center;flex:0 0 auto}
.nav-dropdown-toggle{display:inline-flex;align-items:center;gap:8px;padding:8px 0;border:0;background:transparent;color:#fff;font:inherit;font-size:.95rem;font-weight:700;cursor:pointer;white-space:nowrap}
.nav-dropdown-toggle:hover{color:#A7E2DB}
.nav-chevron{display:inline-block;width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-top:-4px;transition:transform .16s ease,margin .16s ease}
.nav-dropdown.is-open .nav-chevron,.nav-dropdown:hover .nav-chevron,.nav-dropdown:focus-within .nav-chevron{transform:rotate(225deg);margin-top:4px}
.dropdown-menu{display:none;position:absolute;top:calc(100% + 12px);left:-14px;z-index:300;width:292px;max-height:min(72vh,590px);overflow-y:auto;padding:9px;gap:2px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 18px 45px rgba(15,40,60,.18)}
.menu-blog .dropdown-menu{width:370px}
.nav-dropdown:hover .dropdown-menu,.nav-dropdown:focus-within .dropdown-menu,.nav-dropdown.is-open .dropdown-menu{display:grid}
.dropdown-menu a{display:block;color:var(--ink);padding:9px 11px;border-radius:8px;font-size:.88rem;line-height:1.35;font-weight:650;text-decoration:none;white-space:normal}
.dropdown-menu a:hover,.dropdown-menu a:focus-visible{background:#E7F4F3;color:var(--navy)}
.button-primary{background:var(--orange);color:#fff}
.button-secondary{border-color:var(--navy);color:var(--navy);background:#fff}
.button-secondary:hover{background:var(--navy);color:#fff}
.mobile-call{background:var(--orange);color:#fff}
.toc{background:var(--surface);border-color:var(--line)}
.toc-disclosure{padding:0;overflow:hidden}
.toc-disclosure summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:14px;padding:16px 18px;cursor:pointer;font-size:1.05rem;font-weight:850;color:var(--navy)}
.toc-disclosure summary::-webkit-details-marker{display:none}
.toc-arrow{width:10px;height:10px;flex:0 0 10px;border-right:2.5px solid var(--orange);border-bottom:2.5px solid var(--orange);transform:rotate(45deg);margin-top:-5px;transition:transform .18s ease,margin .18s ease}
.toc-disclosure[open] .toc-arrow{transform:rotate(225deg);margin-top:5px}
.toc-disclosure > ol{padding:0 18px 18px 40px;margin:0;display:grid;gap:8px;font-size:.94rem}
.toc-disclosure > ol li::marker{color:var(--orange);font-weight:800}
.toc-disclosure a{color:#0D6670;text-decoration:underline;text-underline-offset:3px}
.toc-disclosure a:hover{color:var(--orange-dark)}
.home-toc{max-width:var(--max);margin:0 auto}
.home-toc summary{font-size:1.2rem}
.home-toc > ol{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px 28px}
.hero{background:linear-gradient(120deg,#fff 0%,#F4F7F8 68%,#EAF6F5 100%)}
.callout{border-left-color:var(--amber);background:var(--soft-amber)}
.callout strong{color:var(--navy)}
.icon-chip{background:#E7F4F3;color:var(--orange-dark)}
.check-list li::marker,.numbered-steps li::marker{color:var(--orange)}
.local-link:hover,.related-link:hover{border-color:var(--orange);color:var(--navy)}
@media(max-width:1080px){.primary-nav{gap:12px}.brand img{width:225px}.primary-nav > a,.nav-dropdown-toggle{font-size:.88rem}.primary-nav .nav-call{padding:10px 11px}}
@media(max-width:760px){
 .primary-nav{gap:0;align-items:stretch}
 .primary-nav > a{padding:12px 4px;border-bottom:1px solid rgba(255,255,255,.1)}
 .nav-dropdown{display:block;width:100%;border-bottom:1px solid rgba(255,255,255,.1)}
 .nav-dropdown-toggle{width:100%;justify-content:space-between;padding:13px 4px;font-size:1rem}
 .dropdown-menu,.menu-blog .dropdown-menu{position:static;width:100%;max-height:none;overflow:visible;box-shadow:none;border:0;border-radius:0;background:rgba(255,255,255,.06);padding:4px 0 10px;margin:0}
 .dropdown-menu a{color:#F0F7FA;padding:10px 12px 10px 18px;border-radius:6px;font-size:.92rem;border:0}
 .dropdown-menu a:hover,.dropdown-menu a:focus-visible{background:rgba(167,226,219,.15);color:#A7E2DB}
 .primary-nav .nav-call{text-align:center;margin-top:12px;border:0;padding:13px 10px}
 .home-toc > ol{grid-template-columns:1fr}
}
@media(prefers-reduced-motion:reduce){.nav-chevron,.toc-arrow{transition:none}}


/* Header layout guard: dropdowns must never participate in normal header flow. */
.header-inner{display:flex;flex-wrap:nowrap;min-width:0}
.primary-nav{flex:1 1 auto;min-width:0;justify-content:flex-end}
.primary-nav .nav-call{display:inline-flex;align-items:center;justify-content:center;flex:0 0 auto;min-width:max-content;white-space:nowrap;line-height:1.25}
.site-header .primary-nav .nav-dropdown{position:relative;display:flex;align-items:center;flex:0 0 auto}
.site-header .primary-nav .nav-dropdown > .dropdown-menu{display:none;position:absolute;top:calc(100% + 12px);left:-14px;right:auto;z-index:300;grid-auto-flow:row;align-content:start;justify-items:stretch}
.site-header .primary-nav .nav-dropdown:hover > .dropdown-menu,
.site-header .primary-nav .nav-dropdown:focus-within > .dropdown-menu,
.site-header .primary-nav .nav-dropdown.is-open > .dropdown-menu{display:grid}
.site-header .primary-nav .nav-dropdown > .dropdown-menu a{display:block;width:100%;white-space:normal;overflow-wrap:anywhere}
.site-header .primary-nav .menu-blog > .dropdown-menu{left:auto;right:-8px;width:min(370px,calc(100vw - 32px))}
@media(min-width:761px){.mobile-call{display:none!important}}
@media(max-width:1080px) and (min-width:761px){.header-inner{gap:12px}.primary-nav{gap:10px}.brand img{width:210px}.primary-nav .nav-call{font-size:.84rem;padding:9px 10px}}

@media(max-width:760px){
 .site-header .primary-nav .nav-dropdown{display:block;width:100%;border-bottom:1px solid rgba(255,255,255,.1)}
 .site-header .primary-nav .nav-dropdown > .dropdown-menu,
 .site-header .primary-nav .menu-blog > .dropdown-menu{position:static;top:auto;left:auto;right:auto;width:100%;max-height:none;overflow:visible;box-shadow:none;border:0;border-radius:0;background:rgba(255,255,255,.06);padding:4px 0 10px;margin:0}
 .site-header .primary-nav .nav-dropdown > .dropdown-menu a{color:#F0F7FA;padding:10px 12px 10px 18px;border-radius:6px;font-size:.92rem;border:0}
 .site-header .primary-nav .nav-dropdown > .dropdown-menu a:hover,
 .site-header .primary-nav .nav-dropdown > .dropdown-menu a:focus-visible{background:rgba(167,226,219,.15);color:#A7E2DB}
}