/* Benefits Made Simple: mobile-first, system fonts, no external requests */
:root{
  --teal:#2a8c8c; --teal-dark:#1d6b6b; --navy:#1d3b6b; --navy-dark:#142a4d;
  --coral:#e8715f; --coral-dark:#a8412f; --cream:#fbf6ee; --cream-2:#f4ecdf;
  --ink:#1f2a37; --muted:#4a5565; --line:#e3d9c8; --white:#fff;
  --radius:16px; --shadow:0 2px 10px rgba(29,59,107,.08);
  --focus:0 0 0 3px var(--cream),0 0 0 6px var(--coral-dark);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:5rem}
body{margin:0;background:var(--cream);color:var(--ink);
  font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  font-size:1.0625rem;line-height:1.65}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-dark);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--navy)}
:focus-visible{outline:none;box-shadow:var(--focus);border-radius:4px}
h1,h2,h3{color:var(--navy);line-height:1.25;margin:1.6em 0 .5em}
h1{font-size:clamp(1.9rem,5vw,2.7rem);margin-top:.4em}
h2{font-size:clamp(1.35rem,3.4vw,1.7rem)}
h3{font-size:1.18rem}
p,ul,ol,dl{margin:0 0 1rem}
.wrap{max-width:1100px;margin:0 auto;padding:0 1.1rem}
.narrow{max-width:780px}
.small{font-size:.9rem}
.center{text-align:center}
.center-block{text-align:center;padding:3rem 1.1rem}
.lead{font-size:1.15rem;color:var(--muted)}
.skip{position:absolute;left:-999px;top:.5rem;background:var(--navy);color:#fff;padding:.6rem 1rem;border-radius:8px;z-index:100}
.skip:focus{left:.5rem}
main:focus{outline:none}

/* header / nav */
.site-header{position:sticky;top:0;z-index:50;background:rgba(251,246,238,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.2) blur(6px)}
.header-inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.4rem 1rem;padding-top:.55rem;padding-bottom:.55rem}
.brand{display:flex;align-items:center;gap:.55rem;font-weight:700;color:var(--navy);text-decoration:none;font-size:1.08rem}
.nav{list-style:none;display:flex;flex-wrap:wrap;gap:.15rem;margin:0;padding:0}
.nav a{display:block;padding:.4rem .7rem;border-radius:999px;color:var(--navy);text-decoration:none;font-weight:600;font-size:.98rem}
.nav a:hover{background:var(--cream-2)}
.nav a[aria-current="page"]{background:var(--navy);color:#fff}

/* buttons */
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;font-weight:700;padding:.75rem 1.2rem;border-radius:999px;border:2px solid var(--navy);margin:.25rem .3rem .25rem 0}
.btn:hover{background:var(--navy-dark);color:#fff}
.btn-ghost{background:transparent;color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}

/* hero */
.hero{background:linear-gradient(180deg,var(--cream) 0%,var(--cream-2) 100%);border-bottom:4px solid var(--teal)}
.hero-inner{display:grid;gap:1.5rem;padding-top:2rem;padding-bottom:2.2rem;align-items:center}
.tagline{font-size:1.2rem;color:var(--muted);max-width:40ch}
.hero-img{border-radius:var(--radius);box-shadow:var(--shadow)}

/* cards */
.cards,.path-grid,.trust-grid{list-style:none;padding:0;margin:0;display:grid;gap:1rem}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.2rem 1.25rem;position:relative;transition:transform .15s ease,box-shadow .15s ease}
.card:hover{transform:translateY(-2px);box-shadow:0 6px 18px rgba(29,59,107,.12)}
.card h2,.card h3{margin:.2rem 0 .45rem;font-size:1.15rem}
.card a{text-decoration:none;color:var(--navy)}
.card h2 a::after,.card h3 a::after{content:"";position:absolute;inset:0;border-radius:var(--radius)}
.card a:focus-visible{box-shadow:none}
.card:focus-within{box-shadow:var(--focus)}
.card p:last-child{margin-bottom:0}
.eyebrow{font-size:.8rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--coral-dark);margin:0}
.badge{display:inline-block;margin-left:.5rem;background:var(--coral);color:var(--navy-dark);border-radius:999px;padding:0 .5rem;font-size:.72rem}
.guide-card{border-top:5px solid var(--teal)}
.path-card{padding:0;overflow:hidden;border-top:5px solid var(--coral)}
.path-card img{width:100%;aspect-ratio:4/3;object-fit:cover}
.path-body{padding:1.1rem 1.25rem 1.3rem}
.path-card h3{font-size:1.35rem}
.more{font-weight:700;color:var(--teal-dark)}
.trust{background:var(--navy);color:#fff;margin:2.5rem 0;padding:1.5rem 0 2rem}
.trust h2,.trust h3{color:#fff}
.trust-grid li{background:rgba(255,255,255,.07);border-left:4px solid var(--coral);border-radius:12px;padding:1rem 1.1rem}
.trust-grid h3{margin-top:0}
.trust p{margin:0;color:#eef2f8}

/* landing */
.landing-head{display:grid;gap:1.2rem;align-items:center;margin-bottom:1.5rem}
.landing-img{border-radius:var(--radius);box-shadow:var(--shadow)}

/* breadcrumb */
.breadcrumb ol{list-style:none;padding:0;margin:1rem 0 0;display:flex;flex-wrap:wrap;font-size:.92rem;color:var(--muted)}
.breadcrumb li+li::before{content:"\203A";margin:0 .45rem;color:var(--muted)}

/* guide */
.guide{max-width:820px}
.checked{color:var(--muted);font-size:.95rem;margin:0 0 1.2rem;padding-left:.7rem;border-left:4px solid var(--coral)}
.toc{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:1rem 1.25rem;margin:0 0 1.5rem}
.toc-title{margin:0 0 .4rem;font-size:1.05rem}
.toc ol{margin:0;padding-left:1.3rem}
.toc li{margin:.15rem 0}
.prose ul,.prose ol{padding-left:1.4rem}
.prose li{margin:.3rem 0}
.prose blockquote,.example{margin:1.2rem 0;padding:1rem 1.2rem;background:#eaf4f4;border-left:5px solid var(--teal);border-radius:0 12px 12px 0}
.prose blockquote p:last-child{margin-bottom:0}
.prose hr{border:0;border-top:1px solid var(--line);margin:2rem 0}
.table-wrap{overflow-x:auto;margin:1rem 0 1.4rem;border:1px solid var(--line);border-radius:12px;background:var(--white)}
table{border-collapse:collapse;width:100%;font-size:.95rem}
th,td{padding:.6rem .75rem;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
th{background:var(--navy);color:#fff}
tr:last-child td{border-bottom:0}
tbody tr:nth-child(even){background:#fbf8f2}
.checklist{list-style:none;padding-left:.2rem!important}
.check{display:flex;gap:.6rem;align-items:flex-start}
.box{flex:0 0 auto;width:1.1rem;height:1.1rem;margin-top:.3rem;border:2px solid var(--teal);border-radius:4px;background:#fff}
.sources{font-size:.92rem;padding-left:1.2rem;overflow-wrap:anywhere}
.sources li{margin:.35rem 0}
.disclaimer{margin:2rem 0;padding:1rem 1.2rem;background:var(--cream-2);border:1px solid var(--line);border-radius:12px;font-size:.95rem}
.disclaimer p{margin:0}
.prevnext{display:grid;gap:.8rem;margin:1.5rem 0 3rem}
.prevnext a{display:flex;flex-direction:column;padding:.9rem 1.1rem;background:var(--white);border:1px solid var(--line);border-radius:12px;text-decoration:none;font-weight:700;color:var(--navy)}
.prevnext .small{font-weight:400;color:var(--muted)}
.prevnext .next{text-align:right}

/* glossary */
.letters{display:flex;flex-wrap:wrap;gap:.35rem;margin:1rem 0}
.letters a{display:inline-block;min-width:2.2rem;text-align:center;padding:.3rem .5rem;border-radius:8px;background:var(--white);border:1px solid var(--line);text-decoration:none;font-weight:700}
.glossary dt{font-weight:700;color:var(--navy);margin-top:1rem}
.glossary dd{margin:.25rem 0 0;padding-left:.8rem;border-left:3px solid var(--teal)}

/* footer */
.site-footer{background:var(--navy-dark);color:#e7ecf4;margin-top:3rem;padding:2rem 0}
.footer-inner{display:grid;gap:1.2rem}
.footer-brand{font-weight:700;font-size:1.1rem;color:#fff;margin-bottom:.3rem}
.site-footer a{color:#fff}
.footer-links{list-style:none;padding:0;margin:0;display:grid;gap:.35rem}
.disclaimer-short{color:#cfd8e6}

@media (min-width:760px){
  .path-grid{grid-template-columns:1fr 1fr}
  .cards{grid-template-columns:repeat(2,1fr)}
  .trust-grid{grid-template-columns:repeat(3,1fr)}
  .landing-head{grid-template-columns:1.3fr 1fr}
  .prevnext{grid-template-columns:1fr 1fr}
  .footer-inner{grid-template-columns:2fr 1fr}
}
@media (min-width:900px){
  .hero-inner{grid-template-columns:1fr 1fr;padding-top:3rem;padding-bottom:3rem}
  .cards{grid-template-columns:repeat(3,1fr)}
  .cards-wide{grid-template-columns:repeat(2,1fr)}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.site-header,.site-footer,.prevnext,.toc{display:none}body{background:#fff}}