:root{--lf-navy:#0f2742;--lf-blue:#1f5f91;--lf-light-blue:#eef6fb;--lf-text:#24313d;--lf-muted:#64717c;--lf-border:#dce5eb;--lf-white:#fff;--lf-bg:#f7f9fb;--lf-radius:14px;--lf-max-width:1180px}body{color:var(--lf-text);line-height:1.6;margin:0}h1,h2,h3{color:var(--lf-navy);line-height:1.2;margin-top:0}h1{font-size:clamp(38px,5vw,62px);margin-bottom:22px;max-width:950px}h2{font-size:clamp(28px,3.5vw,40px);margin-bottom:20px}h3{font-size:21px;margin-bottom:10px}p{margin-bottom:18px;margin-top:0}.lf-eyebrow,a{color:var(--lf-blue)}.lf-eyebrow{font-size:14px;font-weight:700;letter-spacing:.08em;margin:0 0 12px;text-transform:uppercase}.lf-lead{font-size:20px;line-height:1.6;max-width:800px}.lf-hero{background:linear-gradient(135deg,#f8fbfd,#eef6fb);padding:80px max(30px,calc((100vw - var(--lf-max-width))/2))}.lf-hero p{max-width:900px}.lf-button a,a.lf-button{background:var(--lf-blue);border-radius:8px;color:var(--lf-white)!important;display:inline-block;font-weight:700;padding:15px 24px;text-decoration:none;transition:opacity .2s ease}.lf-button a:hover,a.lf-button:hover{opacity:.9}.lf-quick-answer{background:var(--lf-white);border-left:5px solid var(--lf-blue);border-radius:8px;box-shadow:0 8px 24px rgba(15,39,66,.06);margin-top:30px;max-width:900px;padding:24px}.lf-quick-answer strong{color:var(--lf-navy);display:block;margin-bottom:6px}.lf-section{background:var(--lf-white);padding:70px max(30px,calc((100vw - var(--lf-max-width))/2))}.lf-section-alt{background:var(--lf-bg)}.lf-check-list{display:grid;gap:15px 28px;grid-template-columns:repeat(2,minmax(0,1fr));list-style:none;margin:30px 0 0;padding:0}.lf-check-list li{padding-left:28px;position:relative}.lf-check-list li:before{color:var(--lf-blue);content:"✓";font-weight:700;left:0;position:absolute;top:0}.lf-steps{display:grid;gap:22px;grid-template-columns:repeat(3,minmax(0,1fr));margin-top:35px}.lf-step{background:var(--lf-white);border:1px solid var(--lf-border);border-radius:var(--lf-radius);padding:28px}.lf-step-number{align-items:center;background:var(--lf-light-blue);border-radius:50%;color:var(--lf-blue);display:flex;font-size:18px;font-weight:700;height:42px;justify-content:center;margin-bottom:18px;width:42px}.lf-step h3{margin-bottom:10px}.lf-scenario{background:var(--lf-light-blue);border-radius:var(--lf-radius);padding:35px}.lf-scenario-label{color:var(--lf-blue);font-size:13px;font-weight:700;letter-spacing:.08em;margin-bottom:10px;text-transform:uppercase}.lf-card-grid{display:grid;gap:22px;grid-template-columns:repeat(3,minmax(0,1fr));margin-top:35px}.lf-card{background:var(--lf-white);border:1px solid var(--lf-border);border-radius:var(--lf-radius);padding:25px}.lf-card p:last-child{margin-bottom:0}.lf-compare{display:grid;gap:22px;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:30px}.lf-compare-box{background:var(--lf-white);border:1px solid var(--lf-border);border-radius:var(--lf-radius);padding:28px}.lf-related-grid{display:grid;gap:22px;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:32px}.lf-related-card{background:var(--lf-white);border:1px solid var(--lf-border);border-radius:var(--lf-radius);display:block;padding:25px;text-decoration:none;transition:transform .15s ease,box-shadow .15s ease}.lf-related-card:hover{box-shadow:0 8px 20px rgba(15,39,66,.08);transform:translateY(-2px)}.lf-related-card h3{margin-bottom:8px}.lf-related-card p{color:var(--lf-text);margin-bottom:0}.lf-faq{border-top:1px solid var(--lf-border)}.lf-faq details{border-bottom:1px solid var(--lf-border);padding:20px 0}.lf-faq summary{cursor:pointer;font-weight:700;list-style:none}.lf-faq summary::-webkit-details-marker{display:none}.lf-faq details p{margin-bottom:0;margin-top:14px}.lf-final-cta{background:var(--lf-navy);border-radius:var(--lf-radius);padding:65px 30px;text-align:center}.lf-final-cta,.lf-final-cta h2,.lf-final-cta p{color:var(--lf-white)}.lf-final-cta p{margin-left:auto;margin-right:auto;max-width:720px}.lf-disclaimer{color:var(--lf-muted);font-size:13px;margin-top:35px;text-align:center}@media (max-width:850px){h1{font-size:38px}.lf-hero{padding:55px 24px}.lf-section{padding:50px 24px}.lf-card-grid,.lf-check-list,.lf-compare,.lf-related-grid,.lf-steps{grid-template-columns:1fr}.lf-quick-answer{max-width:none}}body .wrapper{box-sizing:border-box;margin:0 auto;max-width:var(--lf-max-width);padding-left:30px;padding-right:30px}.lf-hero h1{color:var(--lf-navy)!important}.lf-faq summary{color:var(--lf-navy);font-size:18px;font-weight:500;padding-right:32px;position:relative}.lf-faq summary:after{color:var(--lf-blue);content:"+";font-size:22px;font-weight:400;position:absolute;right:4px;top:0}.lf-faq details[open] summary:after{content:"−"}