*{box-sizing:border-box} :root{--ink:#17212b;--muted:#5d6874;--line:#dce2e7;--soft:#f5f7f8;--soft-blue:#edf4f7;--brand:#164b67;--brand-dark:#10384e;--accent:#2e6f8e;--white:#fff;--shadow:0 10px 30px rgba(23,33,43,.08);--radius:16px}
html{scroll-behavior:smooth} body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6} a{color:inherit}.wrap{width:min(1180px,calc(100% - 40px));margin:0 auto}
.independence-bar{background:var(--brand-dark);color:#fff;text-align:center;padding:8px 20px;font-size:.83rem}.site-header{background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-inner{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:inline-flex;align-items:center;gap:12px;text-decoration:none}.brand-mark{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;background:var(--brand);color:#fff;font-size:.78rem;font-weight:700;letter-spacing:.04em}.brand-text{display:flex;flex-direction:column}.brand-text strong{font-size:1.18rem;line-height:1.2}.brand-text small{color:var(--muted);margin-top:2px}.main-nav{display:flex;align-items:center;gap:8px}.main-nav a{text-decoration:none;padding:10px 12px;border-radius:9px;font-weight:600;font-size:.95rem}.main-nav a:hover{background:var(--soft-blue);color:var(--brand-dark)}.menu-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:9px;padding:9px 12px;font-weight:700}
.hero{background:radial-gradient(circle at 85% 15%,rgba(46,111,142,.14),transparent 30%),linear-gradient(180deg,#f7fafb 0%,#fff 100%);padding:82px 0 72px;border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:60px;align-items:center}.eyebrow{margin:0 0 10px;color:var(--accent);text-transform:uppercase;font-size:.78rem;letter-spacing:.11em;font-weight:700}.hero h1,.section-heading h2,.split-panel h2,.content-callout h2,.cta-inner h2{margin:0;line-height:1.08;letter-spacing:-.03em}.hero h1{font-size:clamp(2.5rem,5vw,4.7rem);max-width:780px}.hero-lead{font-size:1.2rem;color:var(--muted);max-width:760px;margin:24px 0 0}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.hero-note{color:var(--muted);font-size:.9rem;margin-top:20px}
.button{display:inline-block;padding:13px 18px;border-radius:10px;text-decoration:none;font-weight:700;border:1px solid transparent;cursor:pointer}.button-primary{background:var(--brand);color:#fff}.button-primary:hover{background:var(--brand-dark)}.button-secondary{background:#fff;color:var(--brand-dark);border-color:var(--line)}.button-secondary:hover{background:var(--soft)}.button-light{background:#fff;color:var(--brand-dark)}.button-muted{background:#e8ecef;color:#7a848d;cursor:not-allowed}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}.hero-card h2{margin:0 0 14px;font-size:1.15rem}.hero-card a{display:flex;justify-content:space-between;gap:20px;text-decoration:none;padding:14px 4px;border-top:1px solid var(--line);font-weight:600}.hero-card a:hover{color:var(--accent)}
.trust-strip{border-bottom:1px solid var(--line);background:#fff}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr)}.trust-grid div{padding:22px 24px;border-right:1px solid var(--line)}.trust-grid div:last-child{border-right:0}.trust-grid strong,.trust-grid span{display:block}.trust-grid span{color:var(--muted);font-size:.9rem}
.section{padding:78px 0}.section-alt{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.section-heading{max-width:760px;margin-bottom:34px}.section-heading h2,.split-panel h2,.content-callout h2,.cta-inner h2{font-size:clamp(2rem,3vw,3rem)}.section-heading p:last-child,.split-panel p,.content-callout p,.cta-inner p{color:var(--muted)}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.topic-card{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff;box-shadow:0 4px 18px rgba(23,33,43,.04)}.topic-card h3{margin:16px 0 8px;font-size:1.2rem}.topic-card p{color:var(--muted)}.topic-card ul{padding-left:20px;margin:18px 0}.topic-icon{width:42px;height:42px;border-radius:10px;display:grid;place-items:center;background:var(--soft-blue);color:var(--brand);font-weight:700}.coming-soon{display:inline-block;font-size:.84rem;color:var(--muted);background:var(--soft);border-radius:999px;padding:6px 10px}.text-link{font-weight:700;color:var(--brand);text-decoration:none}
.split-panel{display:grid;grid-template-columns:1fr .85fr;gap:50px;align-items:center}.tool-box{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}.tool-box h3{margin:10px 0}.tool-label{display:inline-block;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;font-weight:700;color:var(--accent)}
.content-callout{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:end;border:1px solid var(--line);border-radius:var(--radius);padding:34px;background:#fff}.cta-section{padding:58px 0;background:var(--brand);color:#fff}.cta-inner{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center}.cta-inner p{color:rgba(255,255,255,.82);max-width:760px}.cta-section .eyebrow{color:#d3e8f2}
.site-footer{background:#111a22;color:#d9e0e5;padding:54px 0 24px}.footer-grid{display:grid;grid-template-columns:1.1fr 1.2fr .7fr;gap:40px}.site-footer h2,.site-footer h3{color:#fff;margin-top:0}.footer-links{list-style:none;padding:0;margin:0}.footer-links li{margin:8px 0}.footer-links a{color:#d9e0e5;text-decoration:none}.footer-links a:hover{color:#fff}.footer-bottom{margin-top:34px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);font-size:.9rem;color:#9eabb5}
.simple-page{padding:68px 0}.simple-page .content{max-width:820px}.simple-page h1{font-size:clamp(2.3rem,4vw,4rem);line-height:1.05;margin-bottom:22px}.simple-page h2{margin-top:34px}.simple-page p,.simple-page li{color:var(--muted)}.notice{background:var(--soft-blue);border-left:4px solid var(--accent);padding:18px 20px;margin:24px 0}
@media(max-width:900px){.hero-grid,.split-panel,.content-callout,.cta-inner,.footer-grid{grid-template-columns:1fr}.card-grid{grid-template-columns:repeat(2,1fr)}.trust-grid{grid-template-columns:1fr}.trust-grid div{border-right:0;border-bottom:1px solid var(--line)}.trust-grid div:last-child{border-bottom:0}.menu-toggle{display:inline-block}.main-nav{position:absolute;top:82px;left:20px;right:20px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:10px;display:none;flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.main-nav a{width:100%}}
@media(max-width:620px){.wrap{width:min(100% - 28px,1180px)}.hero{padding-top:58px}.card-grid{grid-template-columns:1fr}.brand-text small{display:none}.section{padding:58px 0}}