:root{
  --navy:#153A5B;
  --blue:#2D9CDB;
  --green:#27AE60;
  --bg:#F8FAFC;
  --text:#172033;
  --muted:#667085;
  --white:#fff;
  --border:#E5E7EB;
  --shadow:0 20px 50px rgba(21,58,91,.12);
}
*{box-sizing:border-box}
body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.6}
a{color:inherit;text-decoration:none}
.container{width:min(1120px,92%);margin:auto}
.nav{position:sticky;top:0;background:rgba(255,255,255,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);z-index:10}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:18px 0}
.logo{display:flex;align-items:center;gap:10px;font-weight:900;font-size:1.45rem;color:var(--navy)}
.logo-mark{width:38px;height:38px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--blue));display:grid;place-items:center;color:white;font-weight:900}
.logo span span{color:var(--blue)}
.menu{display:flex;gap:22px;align-items:center;font-weight:700;color:#31445d}
.menu a:hover{color:var(--blue)}
.cta{background:var(--green);color:white;padding:10px 16px;border-radius:999px;font-weight:800}
.mobile-toggle{display:none;background:none;border:0;font-size:28px;color:var(--navy)}
.hero{padding:88px 0 50px;background:radial-gradient(circle at top right,rgba(45,156,219,.2),transparent 36%)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:42px;align-items:center}
.eyebrow{color:var(--green);font-weight:900;letter-spacing:.12em;text-transform:uppercase;font-size:.85rem}
h1{font-size:clamp(2.6rem,6vw,5rem);line-height:1;margin:12px 0;color:var(--navy);letter-spacing:-.06em}
h2{font-size:clamp(2rem,4vw,3.2rem);line-height:1.1;color:var(--navy);letter-spacing:-.04em;margin:0 0 18px}
h3{color:var(--navy);font-size:1.25rem;margin:0 0 8px}.lead{font-size:1.2rem;color:#43546b;max-width:660px}.buttons{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.btn{padding:14px 20px;border-radius:999px;font-weight:900;display:inline-flex;align-items:center;gap:8px}.btn-primary{background:var(--navy);color:white}.btn-secondary{background:white;color:var(--navy);border:1px solid var(--border)}.hero-card{background:white;border:1px solid var(--border);border-radius:28px;padding:28px;box-shadow:var(--shadow)}.saving-box{background:linear-gradient(135deg,var(--navy),var(--blue));color:white;border-radius:22px;padding:28px;margin-bottom:18px}.saving-box strong{font-size:3rem;display:block}.mini-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.mini{background:#F2F7FB;border-radius:18px;padding:18px}.mini b{display:block;color:var(--navy);font-size:1.7rem}.section{padding:72px 0}.section-head{display:flex;justify-content:space-between;gap:20px;align-items:end;margin-bottom:28px}.muted{color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:white;border:1px solid var(--border);border-radius:24px;padding:24px;box-shadow:0 10px 30px rgba(16,24,40,.04)}.card-icon{width:46px;height:46px;border-radius:14px;background:#EAF6FD;color:var(--blue);display:grid;place-items:center;font-weight:900;margin-bottom:16px}.article-list{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.article{background:white;border:1px solid var(--border);border-radius:22px;overflow:hidden}.article-image{height:140px;background:linear-gradient(135deg,#eaf6fd,#dff5e9)}.article-body{padding:20px}.tag{display:inline-flex;background:#EAF7EE;color:var(--green);font-weight:900;font-size:.75rem;padding:5px 9px;border-radius:999px;margin-bottom:10px}.newsletter{background:var(--navy);color:white;border-radius:32px;padding:44px;display:grid;grid-template-columns:1fr .9fr;gap:28px;align-items:center}.newsletter h2{color:white}.form{display:flex;gap:10px;background:white;border-radius:999px;padding:8px}.form input{flex:1;border:0;padding:12px 14px;font-size:1rem;outline:none}.form button{border:0;background:var(--green);color:white;font-weight:900;padding:12px 18px;border-radius:999px}.page-hero{padding:70px 0 35px;background:white;border-bottom:1px solid var(--border)}.content{background:white;border:1px solid var(--border);border-radius:24px;padding:34px}.content p,.content li{color:#46566d}.footer{padding:40px 0;background:#0F2D49;color:white;margin-top:70px}.footer-grid{display:grid;grid-template-columns:1.3fr .7fr .7fr;gap:22px}.footer a{display:block;color:#D7E7F4;margin:8px 0}.disclaimer{font-size:.85rem;color:#BFD4E5;margin-top:22px}
@media(max-width:850px){.mobile-toggle{display:block}.menu{display:none;position:absolute;left:0;right:0;top:75px;background:white;flex-direction:column;align-items:flex-start;padding:24px;width:100%;border-bottom:1px solid var(--border)}.menu.open{display:flex}.hero-grid,.newsletter,.footer-grid{grid-template-columns:1fr}.cards,.article-list{grid-template-columns:1fr}.section-head{display:block}.hero{padding-top:52px}}