*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:#f3efe7;color:#213032;font:400 17px/1.72 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:#0f7f6c}
h1,h2,h3,h4{font-family:Georgia, 'Iowan Old Style', 'Times New Roman', serif;color:#0d2b2f;margin:0}
p{margin:0 0 1.15em}
.y5rfn6{max-width:1180px;margin:0 auto;padding:0 20px}

/* ---------- advertorial strip + two-row header ---------- */
.jgmqe2{background:#0d2b2f;color:#cdd8d6}
.jgmqe2 .y5rfn6{display:flex;align-items:center;gap:10px;
  height:26px;font:700 9.5px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;letter-spacing:.26em;text-transform:uppercase}
.ac7is2{width:5px;height:5px;border-radius:50%;background:#b9772c;flex:none}
.pkxsva{background:#0d2b2f;padding:16px 0 20px;text-align:center}
.pkxsva img{height:34px;width:auto;margin:0 auto}
.jkbamr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);
  backdrop-filter:saturate(1.3) blur(6px);border-bottom:1px solid #ddd6c8}
.jkbamr .y5rfn6{display:flex;align-items:center;justify-content:space-between;
  gap:12px;height:56px}
.szpnt9{font:700 11px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;letter-spacing:.17em;text-transform:uppercase;
  color:#5a6b6d;min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.v3bsha{flex:none;background:#0f7f6c;color:#fff;text-decoration:none;
  border-radius:999px;padding:9px 20px;font:700 13px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;letter-spacing:.01em;
  box-shadow:0 6px 14px -8px rgba(15,127,108,.9)}
.v3bsha:hover{background:#0a6153}
.zf8qe7{position:absolute;left:0;right:0;bottom:-1px;height:2px;
  background:rgba(13,43,47,.07);overflow:hidden}
.szq7xd{height:100%;width:100%;transform:scaleX(0);transform-origin:left center;
  background:#b9772c;transition:transform .08s linear}

/* ---------- article card ---------- */
.aae557{padding:26px 0 8px}
.wx5j9y{background:#ffffff;border:1px solid #ddd6c8;border-radius:20px;
  box-shadow:0 24px 60px -48px rgba(13,43,47,.55);max-width:840px;margin:0 auto;
  overflow:hidden}
.y4kxhk{padding:34px 26px 38px}
.snnyyh{display:inline-flex;align-items:center;gap:7px;background:#f6ecdc;
  color:#b9772c;border-radius:999px;padding:5px 12px;font:800 10.5px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  letter-spacing:.16em;text-transform:uppercase;margin-bottom:16px}
h1.vf8ykw{font-size:30px;line-height:1.16;letter-spacing:-.018em;font-weight:700;
  margin-bottom:14px}
.tab7px{font:400 18.5px/1.52 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#5a6b6d;margin-bottom:18px}
.ie9igz{display:flex;flex-wrap:wrap;align-items:center;gap:8px;
  font:500 13px/1.3 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#86979a;border-top:1px solid #ddd6c8;
  padding-top:14px}
.ie9igz b{color:#17424a;font-weight:700}
.bhr2g2{width:3px;height:3px;border-radius:50%;background:#ddd6c8;flex:none}

figure{margin:24px 0 8px}
figure img{border-radius:14px}
figcaption{font:500 12.5px/1.5 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#86979a;margin-top:10px;
  padding-left:12px;border-left:2px solid #b9772c}

.yj5h57{font-size:17.5px;line-height:1.76;color:#243234}
.yj5h57 strong{color:#0d2b2f;font-weight:700}
.yj5h57 h2{font-size:24px;line-height:1.24;letter-spacing:-.012em;
  margin:40px 0 14px;padding-top:18px;position:relative}
.yj5h57 h2::before{content:"";position:absolute;top:0;left:0;width:44px;height:3px;
  border-radius:2px;background:#b9772c}
.yj5h57 ul{list-style:none;margin:0 0 28px;padding:0}
.yj5h57 ul li{position:relative;padding:0 0 0 30px;margin-bottom:11px}
.yj5h57 ul li::before{content:"";position:absolute;left:4px;top:.62em;width:9px;
  height:9px;border-radius:3px;background:#0f7f6c}

.u8b2wm{display:flex;gap:16px;align-items:flex-start;background:#fbfaf7;
  border:1px solid #ddd6c8;border-radius:14px;padding:16px 18px;margin-bottom:14px}
.y3be6j{flex:none;width:30px;height:30px;border-radius:9px;background:#0d2b2f;
  color:#fff;font:800 14px/30px -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;text-align:center}
.u8b2wm p{margin:0;font-size:16.5px;line-height:1.62}

.rcxw3g{display:block;text-align:center;background:#0f7f6c;color:#fff;
  text-decoration:none;font:700 16px/1.25 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;padding:17px 22px;border-radius:14px;
  margin:30px 0;box-shadow:0 16px 30px -20px rgba(15,127,108,.95);
  transition:background .15s ease,transform .15s ease}
.rcxw3g:hover{background:#0a6153;transform:translateY(-1px)}

/* ---------- lead-in to the form ---------- */
.fmvgvd{display:flex;align-items:center;justify-content:center;gap:14px;
  max-width:840px;margin:32px auto 0;padding:0 20px;color:#86979a}
.en487s{height:1px;flex:1;background:#ddd6c8}
.x89gyh{font:800 10.5px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;letter-spacing:.2em;text-transform:uppercase;
  white-space:nowrap}

/* ---------- form ---------- */
.xzg75z{padding:26px 0 56px}
.grajrm{background:#ffffff;border:1px solid #ddd6c8;border-radius:20px;
  max-width:840px;margin:0 auto;overflow:hidden;
  box-shadow:0 24px 60px -48px rgba(13,43,47,.55)}
.avyvtw{background:#0d2b2f;color:#fff;padding:24px 26px 22px;text-align:center}
.ri7bkh{display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,.1);
  border:1px solid rgba(255,255,255,.22);border-radius:999px;padding:5px 13px;
  font:800 10px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;letter-spacing:.17em;text-transform:uppercase;
  color:#9fe3cf;margin-bottom:13px}
.xi9zrg{width:6px;height:6px;border-radius:50%;background:#49d39f;flex:none}
.avyvtw h2{color:#fff;font-size:25px;line-height:1.22;letter-spacing:-.015em;margin:0}
.up8rnm{padding:26px 22px 28px}
.up8rnm .ihj4rk{font:500 12.5px/1.5 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#86979a;
  text-align:center;margin:0 auto 20px;max-width:34rem}
.lander-form-wrapper{max-width:34rem;margin:0 auto}
.lander-form-header{display:none}
.lander-form{display:flex;flex-direction:column;gap:12px;margin:0;padding:0}
.k2vzjr{position:relative}
.lander-form input[type="text"],.lander-form input[type="email"],
.lander-form input[type="tel"]{width:100%;padding:14px 38px 14px 15px;font:400 16px/1.4 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  color:#0d2b2f;background:#fbfaf7;border:1px solid #ddd6c8;border-radius:11px;
  transition:border-color .15s,box-shadow .15s,background .15s}
.lander-form input::placeholder{color:#9aa8a9}
.lander-form input:focus{outline:none;background:#fff;border-color:#0f7f6c;
  box-shadow:0 0 0 3px rgba(15,127,108,.14)}
.k2vzjr .cxv7ai::after{position:absolute;right:13px;top:50%;transform:translateY(-50%);
  font-size:17px;content:""}
.k2vzjr:has(input.valid) .cxv7ai::after{content:"\2713";color:#1f7a46}
.k2vzjr:has(input.error) .cxv7ai::after{content:"\2717";color:#a8343a}
.k2vzjr input.valid{border-color:#1f7a46}
.k2vzjr input.error{border-color:#a8343a}
/* Phone field: static country affordance (flag + dial prefix) drawn inline,
   no intl-tel-input and no CDN, so the page keeps zero external hosts. */
.gakvwn input[type="tel"]{padding-left:68px}
.m8wgdx{position:absolute;left:1px;top:1px;bottom:1px;width:56px;display:flex;
  align-items:center;justify-content:center;gap:5px;pointer-events:none;
  border-right:1px solid #ddd6c8;border-radius:11px 0 0 11px;background:#f6f4ef;
  color:#5a6b6d;font:600 13.5px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif}
.m8wgdx svg{width:20px;height:10px;display:block;border-radius:1px}
input:-webkit-autofill,input:-webkit-autofill:focus,input:-webkit-autofill:hover{
  -webkit-box-shadow:0 0 0 1000px #fbfaf7 inset !important;
  box-shadow:0 0 0 1000px #fbfaf7 inset !important;
  -webkit-text-fill-color:#0d2b2f !important}
label.error{display:block;color:#a8343a;font-size:13px;margin-top:4px}

.u2nhgz{cursor:pointer;background:#fbfaf7;border:1px dashed #ddd6c8;border-radius:12px;
  padding:14px 16px;margin:4px 0 2px;transition:background .15s ease,border-color .15s ease}
.u2nhgz.uvvvuq{background:#eef8f3;border-style:solid;border-color:#0f7f6c;
  cursor:default}
.jezt3f{display:flex;align-items:center;gap:12px}
.jt49z6{width:22px;height:22px;flex:none;border:2px solid #0f7f6c;border-radius:6px;
  background:#fff;display:flex;align-items:center;justify-content:center;
  transition:background .15s ease}
.xsxkni{display:none;color:#fff;font:900 13px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif}
.mkbc4z{font:700 14px/1.32 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#0d2b2f;margin:0}
.wffmni{display:none;font:500 12px/1.4 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#5a6b6d;margin:3px 0 0}

.lander-submit{margin-top:8px;width:100%;background:#0f7f6c;color:#fff;border:none;
  border-radius:12px;padding:17px 24px;font:800 15.5px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;letter-spacing:.06em;
  text-transform:uppercase;cursor:pointer;
  box-shadow:0 18px 34px -22px rgba(15,127,108,.95);
  transition:background .2s ease,transform .2s ease}
.lander-submit:hover{background:#0a6153;transform:translateY(-1px)}
.loader{display:none}
.xymthp{display:flex;align-items:center;justify-content:center;gap:7px;margin:18px 0 0;
  color:#5a6b6d;font:800 10px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;letter-spacing:.14em;text-transform:uppercase}
.xymthp svg{width:14px;height:14px;flex:none}
.mp9qb3{text-align:center;font:500 13px/1.5 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#5a6b6d;margin:10px 0 0}
.ym9zbv{text-align:center;font:500 11.5px/1.5 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#86979a;
  margin:7px 0 0;font-style:italic}
.rxdw9z{margin:0 0 14px;padding:11px 13px;border-radius:11px;
  font:600 14px/1.4 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif}

/* ---------- comments ---------- */
.x35fpr{background:#ffffff;border-top:1px solid #ddd6c8;padding:48px 0}
.x35fpr .y5rfn6{max-width:880px}
.vyvjiw{font-size:24px;letter-spacing:-.012em;margin-bottom:10px}
.b7tz3n{font:500 13.5px/1.6 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#5a6b6d;
  background:#f6ecdc;border-radius:12px;padding:14px 16px;margin-bottom:26px}
.dqvqbc{display:flex;flex-direction:column;gap:14px}
.qzi566{display:flex;gap:13px;background:#fbfaf7;border:1px solid #ddd6c8;
  border-radius:14px;padding:14px 16px}
.qzi566.e9xjq5{background:#eef8f3;border-color:#bfe3d6}
.xh4jdh{width:42px;height:42px;border-radius:50%;flex:none;object-fit:cover;
  background:#f3efe7}
.qzi566.e9xjq5 .xh4jdh{background:#0d2b2f;padding:7px;object-fit:contain}
.pnif4g{flex:1;min-width:0}
.h8k7ku{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin-bottom:3px}
.x47qkj{font:700 14px/1.2 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#0d2b2f}
.ws7wmt{font:800 9.5px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;letter-spacing:.14em;text-transform:uppercase;
  color:#fff;background:#0f7f6c;border-radius:4px;padding:3px 6px}
.jt9nyg{font:500 12px/1.2 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#86979a}
.txawh5{font:400 14.5px/1.6 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#394b4d;margin:0}
.muy9vj{display:flex;gap:16px;margin-top:8px;font:600 12px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  color:#86979a}

/* ---------- risk + footer ---------- */
.r3pyxx{background:#ffffff;padding:0 0 44px}
.fmtshu{max-width:880px;margin:0 auto;display:flex;gap:14px;align-items:flex-start;
  background:#f6ecdc;border:1px solid #ecdcc4;border-radius:14px;padding:18px 20px}
.fmtshu svg{width:20px;height:20px;flex:none;color:#b9772c;margin-top:2px}
.saaf4m{font:800 11px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;letter-spacing:.16em;text-transform:uppercase;
  color:#b9772c;margin:0 0 7px}
.xx4amk{font:400 12px/1.65 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#5c5243;margin:0}

footer{background:#0d2b2f;color:#b9c8c6;padding:44px 0 36px}
.wbvhdw{display:block;height:28px;width:auto;margin:0 0 20px}
.dhaprv{display:flex;flex-wrap:wrap;gap:22px;margin:0 0 24px;
  padding:0 0 22px;border-bottom:1px solid rgba(255,255,255,.12)}
.dhaprv a{color:#cfdcda;text-decoration:none;font:600 13px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  letter-spacing:.02em;opacity:.82}
.dhaprv a:hover{opacity:1;color:#fff}
.g4u7d4{display:grid;grid-template-columns:1fr;gap:18px}
.h2w6j2{font:400 11.5px/1.62 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;color:#9fb1af;margin:0}
.r2p8gk{display:block;font:800 9.5px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;letter-spacing:.17em;
  text-transform:uppercase;color:#7f9794;margin-bottom:6px}
.wmt4xe{margin:26px 0 0;font:700 10.5px/1 -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;letter-spacing:.14em;
  text-transform:uppercase;color:#7f9794}
.nnm5pj{background:#7a2f12;color:#ffd9b0;border-radius:3px;padding:0 5px;
  font-weight:700;letter-spacing:.04em}

/* ---------- responsive ---------- */
@media (min-width:768px){
  .y4kxhk{padding:46px 48px 52px}
  h1.vf8ykw{font-size:38px}
  .tab7px{font-size:20px}
  .yj5h57{font-size:18px}
  .yj5h57 h2{font-size:27px}
  .up8rnm{padding:34px 40px 38px}
  .avyvtw h2{font-size:29px}
  .pkxsva img{height:40px}
  .g4u7d4{grid-template-columns:repeat(2,minmax(0,1fr));gap:22px 36px}
  .g4u7d4 .rs3m58{grid-column:1/-1}
  .x35fpr{padding:60px 0}
}
@media (max-width:420px){
  .y4kxhk{padding:26px 18px 30px}
  .up8rnm{padding:22px 16px 26px}
  .qzi566{padding:12px 13px;gap:11px}
  .xh4jdh{width:38px;height:38px}
}
@media (prefers-reduced-motion:reduce){
  *{animation:none !important;transition:none !important;scroll-behavior:auto}
}