:root{--td-navy: #1B2A4A;--td-navy-deep: #0F1A30;--td-steel: #3A5A8C;--td-steel-light:#7AA0D6;--td-gold: #B8860B;--td-gold-hover: #9A7209;--td-warm: #F5F5F0;--td-warm-deep: #EDEDE6;--td-white: #FFFFFF;--td-text: #1B2A4A;--td-text-2: #4A4A4A;--td-text-3: #7A7A75;--td-neg: #8B6F47;--td-rule: rgba(27,42,74,.1);--td-rule-soft: rgba(27,42,74,.06);--td-font-sans: "Inter", system-ui, -apple-system, sans-serif;--td-font-mono: "JetBrains Mono", "Fira Code", ui-monospace, monospace;--td-container: 1120px;--td-pad-x: 32px}*,*:before,*:after{box-sizing:border-box}html,body{margin:0;padding:0}body{background:var(--td-warm);color:var(--td-text);font-family:var(--td-font-sans);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}::selection{background:var(--td-gold);color:var(--td-navy)}a{color:inherit}button{font:inherit;cursor:pointer}.container{max-width:var(--td-container);margin:0 auto;padding:0 var(--td-pad-x)}.section{padding:104px 0}.section--md{padding:72px 0}.section--sm{padding:48px 0}.section--bg-warm{background:var(--td-warm)}.section--bg-warm-deep{background:var(--td-warm-deep)}.section--bg-white{background:var(--td-white)}.section--bg-navy{background:var(--td-navy);color:#fff}.h1,h1{font-family:var(--td-font-sans);font-weight:700;font-size:clamp(2rem,5vw,3.6rem);line-height:1.05;letter-spacing:-.025em;margin:0;color:var(--td-navy);text-wrap:balance}.h1--xl{font-size:clamp(2rem,5.4vw,4.2rem);line-height:1.02}.h2{font-family:var(--td-font-sans);font-weight:700;font-size:clamp(28px,3.4vw,40px);line-height:1.12;letter-spacing:-.02em;margin:0;color:var(--td-navy);text-wrap:balance}.h3{font-family:var(--td-font-sans);font-weight:700;font-size:22px;letter-spacing:-.01em;color:var(--td-navy);margin:0}.lead{font-size:18px;line-height:1.55;color:var(--td-text-2)}.body{font-size:16px;line-height:1.6;color:var(--td-text-2)}.body-sm{font-size:14px;line-height:1.6;color:var(--td-text-2)}.mono-label{font-family:var(--td-font-mono);font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--td-steel)}.mono-label--gold,.mono-label--ondark{color:var(--td-gold)}.btn{display:inline-flex;align-items:center;gap:10px;font-weight:600;letter-spacing:.06em;font-size:13px;padding:14px 22px;border:1px solid transparent;border-radius:4px;text-decoration:none;transition:background .12s ease,color .12s ease,border-color .12s ease}.btn--lg{font-size:14px;padding:16px 26px}.btn--sm{font-size:12px;padding:10px 16px}.btn--full{width:100%;justify-content:center}.btn--primary{background:var(--td-gold);color:var(--td-navy);border-color:var(--td-gold)}.btn--primary:hover{background:var(--td-gold-hover)}.btn--secondary{background:transparent;color:var(--td-navy);border-color:var(--td-navy)}.btn--secondary:hover{background:var(--td-navy);color:#fff}.btn--secondary-dark{background:transparent;color:#fff;border-color:#fff6}.btn--secondary-dark:hover{background:#fff;color:var(--td-navy)}.btn--ghost{background:transparent;color:var(--td-steel);padding:8px 0;border:none}.btn--ghost:hover{text-decoration:underline}.card{background:#fff;border-radius:4px;padding:28px;box-shadow:0 1px 3px #1b2a4a0f,0 8px 24px #1b2a4a0f;border:1px solid var(--td-rule)}.card--accent{border-top:3px solid var(--td-gold)}.card--elevated{transform:translateY(-12px);box-shadow:0 32px 60px -20px #1b2a4a2e}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:64px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:32px}.nav{position:sticky;top:0;z-index:50;background:var(--td-warm);transition:background .2s ease,border-color .2s ease,backdrop-filter .2s ease;border-bottom:1px solid transparent}.nav.is-scrolled{background:#f5f5f0eb;backdrop-filter:saturate(180%) blur(8px);border-bottom-color:var(--td-rule)}.nav__inner{max-width:var(--td-container);margin:0 auto;padding:18px var(--td-pad-x);display:flex;align-items:center;justify-content:space-between}.nav__links{display:flex;align-items:center;gap:32px}.nav__link{font-size:13px;font-weight:500;color:var(--td-navy);text-decoration:none;opacity:.85;background:none;border:none;cursor:pointer;padding:0}.nav__link:hover{opacity:1}.nav__burger{display:none;background:none;border:none;padding:8px}.wordmark{display:inline-flex;align-items:center;gap:10px;text-decoration:none}.wordmark__text{font-family:var(--td-font-sans);font-weight:700;letter-spacing:.18em;font-size:13px;color:var(--td-navy)}.wordmark--dark .wordmark__text{color:#fff}.footer{background:var(--td-navy);color:#fff;padding-top:80px;padding-bottom:32px}.footer__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:48px;padding-bottom:56px;border-bottom:1px solid rgba(255,255,255,.12)}.footer__head{font-family:var(--td-font-mono);font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:#ffffff80;margin-bottom:18px}.footer__list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:12px}.footer__list a{color:#ffffffd9;font-size:14px;text-decoration:none}.footer__list a:hover{color:var(--td-gold)}.footer__bottom{padding-top:32px;font-size:11px;color:#fff6;line-height:1.6}.footer__disclaimer{margin:0 0 16px;max-width:820px;font-family:var(--td-font-mono);letter-spacing:.04em}.footer__bottom-row{display:flex;justify-content:space-between;flex-wrap:wrap;gap:16px}.footer__bottom-row a{text-decoration:none}.footer__bottom-links{display:flex;gap:24px}.footer__form{display:flex;max-width:320px;margin-top:12px}.footer__form input{flex:1;background:#ffffff0f;border:1px solid rgba(255,255,255,.18);border-right:none;color:#fff;padding:12px 14px;font-family:var(--td-font-sans);font-size:13px;border-radius:4px 0 0 4px;outline:none}.footer__form button{background:var(--td-gold);color:var(--td-navy);border:none;font-family:var(--td-font-sans);font-size:12px;font-weight:700;letter-spacing:.08em;padding:0 18px;border-radius:0 4px 4px 0}.acc{border-top:1px solid var(--td-rule)}.acc__item{border-bottom:1px solid var(--td-rule)}.acc__btn{width:100%;background:none;border:none;padding:24px 4px;min-height:56px;display:flex;justify-content:space-between;align-items:center;text-align:left;font-family:var(--td-font-sans);font-size:17px;font-weight:600;color:var(--td-navy);letter-spacing:-.005em}.acc__num{font-family:var(--td-font-mono);font-size:11px;color:var(--td-steel);letter-spacing:.1em;min-width:28px;margin-right:18px}.acc__plus{font-family:var(--td-font-mono);font-size:18px;color:var(--td-steel);margin-left:16px;transition:transform .2s}.acc__item.is-open .acc__plus{transform:rotate(45deg)}.acc__panel{max-height:0;overflow:hidden;transition:max-height .28s ease,opacity .2s ease,padding .2s ease;opacity:0}.acc__item.is-open .acc__panel{max-height:600px;opacity:1;padding-bottom:28px}.acc__answer{padding:0 4px 0 50px;font-size:15px;line-height:1.65;color:var(--td-text-2);max-width:760px}.tag-pill{font-family:var(--td-font-mono);font-size:10px;letter-spacing:.18em;text-transform:uppercase;color:var(--td-gold);border:1px solid rgba(184,134,11,.4);padding:4px 8px;border-radius:2px}.rule-row{display:grid;gap:32px;padding:40px 0;border-bottom:1px solid var(--td-rule);align-items:baseline}@media (max-width: 900px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr!important;gap:32px!important}.rule-row{grid-template-columns:1fr!important;gap:8px!important}.footer__grid{grid-template-columns:1fr 1fr!important;gap:32px!important}.nav__links{display:none!important}.nav__burger{display:block!important}.section{padding:72px 0}.section--md{padding:56px 0}}@media (max-width: 560px){.grid-4,.footer__grid{grid-template-columns:1fr!important}}.mob-menu{position:fixed;inset:0;background:var(--td-navy);color:#fff;z-index:100;display:none;flex-direction:column;padding:24px var(--td-pad-x)}.mob-menu.is-open{display:flex}.mob-menu__top{display:flex;justify-content:space-between;align-items:center}.mob-menu__links{flex:1;display:flex;flex-direction:column;justify-content:center;gap:32px}.mob-menu__links a{font-size:28px;font-weight:700;letter-spacing:-.01em;color:#fff;text-decoration:none}