:root{--ink:#02173F;--ink2:#2E3D5C;--mute:#55627d;--line:#DCE6F3;--bg:#fff;--card:#fff;--brand:#0062D1;--brand2:#0080FA;--accent:#0080FA;--soft:#E8F1FC;--ok:#177245;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font:17px/1.7 Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;padding-bottom:60px}
a{color:var(--brand)}a:hover{color:var(--brand2)}
.wrap{max-width:1180px;margin:0 auto;padding:0 22px}
h1,h2,h3,h4{font-family:Georgia,"Iowan Old Style","Times New Roman",serif;color:var(--ink);line-height:1.25;letter-spacing:-.01em}
h2{font-size:28px;margin:44px 0 12px}h3{font-size:21px;margin:28px 0 8px}
p,li{color:var(--ink2)}
/* header */
header{background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(6px);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.bar{display:flex;align-items:center;gap:18px;padding:12px 22px}
.logo img{display:block;height:44px;width:auto}.logo{display:flex;align-items:center;gap:8px;font-weight:700;font-size:19px;text-decoration:none;color:var(--ink);white-space:nowrap}.logo b{color:var(--brand)}
.mark{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:8px;background:linear-gradient(135deg,var(--brand),#0080FA);color:#fff;font-family:Georgia,serif}
header nav{display:flex;align-items:center;gap:4px;margin-left:auto}
.dd{position:relative}.ddt,.navlink{display:block;padding:8px 12px;border-radius:8px;text-decoration:none;color:var(--ink2);font-size:15px;font-weight:500}
.ddt:hover,.navlink:hover,.dd.on>.ddt{background:var(--soft);color:var(--brand)}
.ddm{display:none;position:absolute;top:100%;left:0;min-width:280px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px #02173F1f;padding:8px;z-index:30}
.ddm a{display:flex;align-items:center;gap:8px;padding:7px 10px;border-radius:8px;text-decoration:none;color:var(--ink2);font-size:14.5px}.ddm a:hover{background:var(--soft);color:var(--brand)}.ddall{font-weight:600;color:var(--brand)!important;border-bottom:1px solid var(--line);margin-bottom:4px}
.dd:hover .ddm,.dd:focus-within .ddm{display:block}
.navcta{margin-left:8px;padding:9px 16px!important;font-size:14.5px!important}
.mnav,.burger{display:none}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--brand);color:#fff;border:0;border-radius:10px;padding:11px 20px;font:600 16px/1.2 inherit;font-family:inherit;text-decoration:none;cursor:pointer;transition:transform .12s,box-shadow .12s,background .12s}
.btn:hover{background:var(--brand2);color:#fff;transform:translateY(-1px);box-shadow:0 8px 20px #0062D133}
.btn.ghost{background:#fff;color:var(--brand);border:1.5px solid #B9D4F5}.btn.ghost:hover{border-color:var(--brand);color:var(--brand)}
.btn.alt{background:var(--accent)}.btn.alt:hover{background:#0050AD}
.btn.big{padding:15px 26px;font-size:17px;border-radius:12px}
.row{display:flex;gap:12px;flex-wrap:wrap}.row.left{justify-content:flex-start;margin:14px 0}
/* layout */
main.guide{display:grid;grid-template-columns:minmax(0,1fr) 250px;gap:48px;align-items:start;padding-top:34px}
main.guide.home{grid-template-columns:minmax(0,1fr)}
.prose{max-width:72ch;margin:0;min-width:0}
main.home .prose{max-width:78ch;margin:0 auto}
.prose>h1{font-size:44px;line-height:1.12;margin:8px 0 14px}
.lead{font-size:20px;line-height:1.6;color:var(--ink2)}
.crumbs{font-size:14px;color:var(--mute)}.crumbs a{color:var(--mute);text-decoration:none}.crumbs a:hover{color:var(--brand)}
.note{font-size:14px;color:var(--mute)}
.sidetoc{position:sticky;top:90px;max-height:calc(100vh - 120px);overflow:auto;border-left:2px solid var(--line);padding:4px 0 4px 16px;font-size:14px}
.sidetoc b{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--mute);margin-bottom:8px}
.sidetoc a{display:block;padding:5px 0;color:var(--ink2);text-decoration:none;line-height:1.35}.sidetoc a:hover{color:var(--brand)}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:14px 18px;display:flex;flex-wrap:wrap;gap:6px 16px;font-size:15px}.toc b{width:100%}
/* boxes */
.takeaways{background:linear-gradient(180deg,#E8F1FC,#fff);border:1px solid #C7DCF6;border-left:5px solid var(--brand);border-radius:var(--r);padding:16px 20px;margin:24px 0}
.takeaways b{font-family:Georgia,serif;font-size:19px;color:var(--ink)}.takeaways ul{margin:8px 0 0;padding-left:20px}.takeaways li{margin:4px 0}
.tpl{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px 20px;margin:14px 0;box-shadow:0 1px 2px #02173F0a}
.tpl p{margin:8px 0}
.prose ol{counter-reset:st;list-style:none;padding:0}
.prose ol>li{counter-increment:st;position:relative;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 16px 12px 56px;margin:10px 0}
.prose ol>li::before{content:counter(st);position:absolute;left:14px;top:12px;width:28px;height:28px;border-radius:50%;background:var(--soft);color:var(--brand);font-weight:700;display:grid;place-items:center;font-size:14px}
.tpl ol>li{border:0;padding:4px 0 4px 44px;background:none}.tpl ol>li::before{top:4px;left:4px}
table{display:block;overflow-x:auto;border-collapse:separate;border-spacing:0;width:100%;margin:16px 0;border:1px solid var(--line);border-radius:12px;background:#fff;font-size:15.5px}
td,th{padding:11px 14px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}tr:last-child td{border-bottom:0}
th{background:#E8F1FC;color:var(--ink);font-weight:600}tr:nth-child(even) td{background:#F6F9FE}
code{background:#eef1f7;padding:1px 6px;border-radius:5px;font-size:.92em}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 16px;margin:10px 0}summary{font-weight:600;cursor:pointer;color:var(--ink)}
/* tool cards */
.toolgrid{margin:40px 0}.tg{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:14px}
.toolcard{display:flex;gap:12px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px;box-shadow:0 1px 3px #02173F0d}
.toolcard svg{flex:none;color:var(--brand);margin-top:4px}.toolcard h3{margin:2px 0 6px;font-size:18px}.toolcard p{margin:0 0 8px;font-size:15px}
.toolcard .why{font-size:14.5px}.toolcard .btn{padding:8px 14px;font-size:14.5px}
.kicker{font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--accent)}
/* CTA sections */
.helpcta{background:radial-gradient(120% 140% at 0% 0%,#0080FA,#0062D1 55%,#02173F);color:#fff;border-radius:18px;padding:28px;margin:44px 0;display:grid;gap:12px;box-shadow:0 18px 40px #0062D133}
.helpcta h2{margin:0;color:#fff}.helpcta p{color:#dfe5ff;margin:4px 0 0}.helpcta .btn.big{background:#fff;color:var(--brand)}.helpcta .btn.ghost{background:transparent;color:#fff;border-color:#ffffff99}
.herocta{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0 8px}
.signup{background:var(--ink);color:#fff;border-radius:18px;padding:28px;margin:36px 0}.signup h2{color:#fff;margin-top:0}.signup p{color:#c9cfdb}.signup form{display:flex;gap:10px;flex-wrap:wrap}.signup input{flex:1;min-width:220px;padding:12px;border-radius:10px;border:0;font-size:16px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px;margin:20px 0 32px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;text-decoration:none;color:inherit;transition:.15s}.card:hover{border-color:var(--brand);box-shadow:0 10px 28px #0062D11f;transform:translateY(-2px)}.card h3{margin:0 0 6px;font-size:19px}.card p{margin:0;font-size:15px}
.integrity{background:#fff8ec;border:1.5px solid #f5b25b;border-radius:var(--r);padding:14px 18px;margin:18px 0}
.leadform{display:grid;gap:12px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 12px 32px #02173F14}.leadform label{display:grid;gap:5px;font-weight:600;font-size:15px}.leadform input,.leadform select,.leadform textarea{padding:12px;font:inherit;border:1px solid #cdd3de;border-radius:10px;background:#F6F9FE}.leadform input:focus,.leadform select:focus,.leadform textarea:focus{outline:3px solid #B9D4F5;border-color:var(--brand)}
.two{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px}
.success{background:#e9f7ef;border:1.5px solid #3bb273;border-radius:12px;padding:16px}.score{font-size:22px;font-weight:700;color:var(--ink)}
.chk{display:block;background:#fff;border:1px solid var(--line);border-radius:10px;padding:11px 14px;margin:6px 0;font-weight:600}.chk span{color:var(--ink2);font-weight:400}
.tool{margin:24px 0}#gen{display:grid;gap:14px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px}#gen label{display:grid;gap:4px;font-weight:600}#gen input,#gen select{padding:10px;font-size:16px;border:1px solid #cdd3de;border-radius:8px}
.outline section{background:#fff;border-left:4px solid var(--brand);border-radius:10px;padding:12px 18px;margin-bottom:12px}.q{display:block;margin:.5rem 0;font-size:.95rem}.q textarea{display:block;width:100%;margin-top:.25rem;font:inherit;padding:.5rem;border:1px solid #cdd3de;border-radius:8px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
/* footer */
footer{background:#02173F;color:#c9cfdb;margin-top:60px;padding:44px 0 24px;font-size:14.5px}
.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:24px}
footer h4{color:#fff;font-size:15px;margin:0 0 10px;display:flex;gap:8px;align-items:center;font-family:inherit}footer a{display:block;color:#aeb7cc;text-decoration:none;padding:3px 0}footer a:hover{color:#fff}
.fnote{border-top:1px solid #1B2F5C;margin-top:28px;padding-top:16px;color:#8d97ad}
.sticky{position:fixed;bottom:0;left:0;right:0;background:#02173Fee;backdrop-filter:blur(6px);color:#fff;display:flex;justify-content:center;align-items:center;gap:12px;padding:9px;z-index:15}.sticky .btn{padding:8px 16px;font-size:14.5px}
/* responsive */
@media(max-width:1020px){main.guide{grid-template-columns:minmax(0,1fr)}.sidetoc{display:none}.prose{margin:0 auto}}
@media(max-width:860px){.burger{display:block;margin-left:auto;font-size:24px;cursor:pointer;padding:4px 8px}header nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:10px 16px;border-bottom:1px solid var(--line)}.mnav:checked~nav{display:flex}.ddm{position:static;display:block;box-shadow:none;border:0;padding:0 0 0 12px}.ddm a:not(.ddall){display:none}.navcta{margin:6px 0}}
@media(max-width:640px){body{font-size:16.5px}.prose>h1{font-size:32px}h2{font-size:24px}.sticky span{display:none}.lead{font-size:18px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.endcta{margin:36px 0 0;padding-top:16px;border-top:1px solid var(--line);color:var(--mute);font-size:15.5px}
body{padding-bottom:0}
.kicker{color:#0062D1}.takeaways{background:#E8F1FC}main.guide{background:#fff}footer a{color:#B8C6E0}.prose a{text-underline-offset:2px}.btn.alt{background:#0062D1}
.toolsearch{background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin:20px 0}.toolsearch input{width:100%;padding:12px;font:inherit;border:1px solid #B9D4F5;border-radius:10px;margin-top:6px}.tcat{margin-top:8px}.toolcard .note{margin:4px 0 8px}
.ddt,.navlink,.navcta{white-space:nowrap}.ddt,.navlink{padding:8px 9px;font-size:14.5px}@media(max-width:1240px) and (min-width:861px){.navlink{display:none}}
.fgrid{grid-template-columns:1.6fr repeat(4,1fr)}.flogo{display:inline-block!important;background:#fff;border-radius:12px;padding:8px 12px}.flogo img{display:block;height:36px;width:auto}.fbrand p{color:#B8C6E0;max-width:30ch;margin:10px 0 0}.fnote a{display:inline!important;color:#B8C6E0}
@media(max-width:860px){.fgrid{grid-template-columns:1fr 1fr}.fbrand{grid-column:1/-1}}
.flogo{background:none;padding:0}.fnote{display:flex;flex-wrap:wrap;gap:10px 24px;align-items:center;font-size:14px;color:#C9D6EA}.legal{display:flex;gap:20px}.legal a,.fnote a{display:inline!important;color:#C9D6EA!important;font-size:14px;padding:4px 0;text-decoration:none}.legal a:hover,.fnote a:hover{color:#fff!important;text-decoration:underline}footer a{color:#C9D6EA}