:root{--teal: #0F6E7A;--teal-dark: #0B4F58;--orange: #C2410C;--orange-dark: #9A3412;--ink: #0F2A33;--ink-2: #163B46;--text-2: #3E545C;--text-3: #4A5E66;--sun: #FFC93C;--shallows: #E7F4F4;--sand: #FFF4E8;--sand-line: #F3DCC4;--line: #E2EAEC;--field: #C9D6DA;--on-dark: #DCE9EC;--on-dark-2: #B8D3D8;--radius: 16px;--head: "Plus Jakarta Sans", system-ui, sans-serif;--body: Inter, system-ui, sans-serif}:lang(hi){--body: "Noto Sans Devanagari", Inter, sans-serif;--head: "Noto Sans Devanagari", sans-serif}:lang(ta){--body: "Noto Sans Tamil", Inter, sans-serif;--head: "Noto Sans Tamil", sans-serif}:lang(ml){--body: "Noto Sans Malayalam", Inter, sans-serif;--head: "Noto Sans Malayalam", sans-serif}*,*:before,*:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}*{transition:none!important}}body{margin:0;background:#fff;color:var(--ink);font-family:var(--body);font-size:17px;line-height:1.6}img{max-width:100%;height:auto;display:block}a{color:var(--teal);text-underline-offset:3px}a:hover{color:var(--teal-dark)}:focus-visible{outline:3px solid var(--teal);outline-offset:2px;border-radius:4px}.dark :focus-visible{outline-color:var(--sun)}[hidden]{display:none!important}h1,h2,h3{font-family:var(--head);line-height:1.15;letter-spacing:-.01em;margin:0}h1{font-weight:800;font-size:clamp(34px,5vw,56px);letter-spacing:-.02em}h2{font-weight:800;font-size:clamp(26px,3.2vw,36px)}h3{font-weight:700;font-size:20px}p{margin:0}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.skip{position:absolute;left:12px;top:-60px;background:var(--ink);color:#fff;padding:10px 14px;border-radius:8px;z-index:50}.skip:focus{top:12px}.wrap{max-width:1200px;margin:0 auto;padding:0 24px}@media (max-width: 600px){.wrap{padding:0 16px}}.band{padding-block:72px}.band.tight{padding-block:48px}@media (max-width: 700px){.band{padding-block:52px}}.bg-shallows{background:var(--shallows)}.bg-sand{background:var(--sand)}.dark{background:var(--ink);color:#fff}.dark a{color:#fff}.eyebrow{font-weight:600;font-size:15px;letter-spacing:.04em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}.eyebrow.orange{color:var(--orange)}.lead{font-size:20px;color:var(--text-2);max-width:620px;margin-top:18px}.muted{color:var(--text-2)}.small{font-size:14px;color:var(--text-3)}.dark .small,.dark .muted{color:var(--on-dark-2)}.section-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:end;gap:16px;margin-bottom:32px}.section-head p{margin-top:10px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-weight:600;font-size:17px;text-decoration:none;padding:14px 22px;border-radius:12px;border:1px solid transparent;min-height:48px;cursor:pointer}.btn-main{background:var(--orange);color:#fff}.btn-main:hover{background:var(--orange-dark);color:#fff}.btn-teal{background:var(--teal);color:#fff}.btn-teal:hover{background:var(--teal-dark);color:#fff}.btn-plain{background:#fff;color:var(--ink);border-color:var(--field)}.btn-plain:hover{border-color:var(--teal);color:var(--ink)}.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}.more{font-weight:600;text-decoration:none}.more:after{content:" →"}.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}.site-header .wrap{display:flex;align-items:center;gap:20px;min-height:68px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--head);font-weight:800;font-size:20px;white-space:nowrap}.brand b{color:var(--orange);font-weight:800}.dark .brand,.site-footer .brand{color:#fff}.site-footer .brand b{color:#fdba74}.main-nav{display:flex;gap:22px;margin-left:12px;flex:1}.main-nav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:15px;padding:6px 0;border-bottom:3px solid transparent}.main-nav a:hover{color:var(--teal)}.main-nav a[aria-current=page]{font-weight:700;border-bottom-color:var(--orange)}.header-actions{display:flex;align-items:center;gap:10px;margin-left:auto}.lang{position:relative}.lang summary{list-style:none;cursor:pointer;font-size:14px;font-weight:500;border:1px solid var(--field);border-radius:999px;padding:8px 14px;min-height:40px;display:flex;align-items:center;gap:6px}.lang summary::-webkit-details-marker{display:none}.lang ul{position:absolute;right:0;top:calc(100% + 6px);list-style:none;margin:0;padding:6px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 10px 30px #0f2a331f;min-width:160px;z-index:30}.lang li a{display:block;padding:9px 12px;border-radius:8px;text-decoration:none;color:var(--ink)}.lang li a:hover,.lang li a[aria-current=true]{background:var(--shallows)}.header-cta{font-size:15px;padding:10px 16px;min-height:42px}.menu-btn{display:none;background:none;border:1px solid var(--field);border-radius:10px;min-width:44px;min-height:44px;cursor:pointer;color:var(--ink)}@media (max-width: 1020px){.main-nav{display:none}.menu-btn{display:inline-flex;align-items:center;justify-content:center}.site-header.open .main-nav{display:flex;flex-direction:column;gap:0;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:8px 16px 16px;margin:0}.site-header.open .main-nav a{padding:12px 4px;font-size:17px;border-bottom:1px solid var(--line)}}@media (max-width: 560px){.header-cta{display:none}.brand{font-size:17px}.brand svg{width:34px;height:34px}}.hero{background:var(--shallows)}.hero .wrap{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:56px;align-items:center;padding-top:64px;padding-bottom:64px}@media (max-width: 860px){.hero .wrap{grid-template-columns:1fr;gap:32px;padding-top:40px;padding-bottom:48px}}.ticks{list-style:none;padding:0;margin:28px 0 0;display:flex;flex-wrap:wrap;gap:8px 24px;font-size:15px;color:var(--text-2)}.ticks li{display:flex;align-items:center;gap:8px}.ticks svg{flex:none}.hero-photo{position:relative}.hero-photo img{border-radius:24px;width:100%;aspect-ratio:4 / 5;object-fit:cover}.hero-photo .badge{position:absolute;left:-20px;bottom:28px;background:#fff;border-radius:14px;padding:14px 18px;box-shadow:0 12px 32px #0f2a3329;max-width:250px;font-size:15px}.hero-photo .badge strong{display:block;font-family:var(--head);font-size:22px;color:var(--orange)}.hero-photo.wide img{aspect-ratio:3 / 2}@media (max-width: 860px){.hero-photo img{aspect-ratio:4 / 3}.hero-photo .badge{left:12px;bottom:12px}}.page-hero{position:relative;color:#fff;background:var(--ink);overflow:hidden}.page-hero picture,.page-hero picture img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.page-hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#0f2a33eb,#0f2a33c7 45%,#0f2a3340)}@media (max-width: 760px){.page-hero:after{background:#0f2a33cc}}.page-hero .wrap{position:relative;z-index:1;padding-top:56px;padding-bottom:56px}.page-hero h1{max-width:760px}.page-hero .lead{color:var(--on-dark)}.page-hero .eyebrow{color:#fdba74}.page-hero.plain{background:var(--shallows);color:var(--ink)}.page-hero.plain:after{display:none}.page-hero.plain .lead{color:var(--text-2)}.page-hero.plain .eyebrow{color:var(--teal)}.crumbs{font-size:14px;margin-bottom:18px;display:flex;flex-wrap:wrap;gap:6px;list-style:none;padding:0}.crumbs li+li:before{content:"›";margin-right:6px;opacity:.7}.crumbs a{color:inherit}.page-hero .crumbs{color:var(--on-dark)}.page-hero.plain .crumbs{color:var(--text-2)}.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(var(--min, 250px),1fr))}.card{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff;display:flex;flex-direction:column;gap:10px;color:var(--ink)}a.card{text-decoration:none;transition:border-color .15s,box-shadow .15s}a.card:hover{border-color:var(--teal);box-shadow:0 8px 24px #0f2a3314;color:var(--ink)}.card .go{margin-top:auto;padding-top:6px;font-weight:600;font-size:15px;color:var(--teal)}.card .go:after{content:" →"}.card p{color:var(--text-2);font-size:16px}.photo-card{padding:0;overflow:hidden}.photo-card img{aspect-ratio:3 / 2;object-fit:cover;width:100%}.photo-card .body{padding:20px 22px 22px;display:flex;flex-direction:column;gap:8px;flex:1}.chip{text-decoration:none;align-self:flex-start;font-size:13px;font-weight:600;background:var(--shallows);color:var(--teal-dark);padding:4px 10px;border-radius:999px}.chip.orange{background:var(--sand);color:var(--orange-dark)}.steps{list-style:none;padding:0;margin:0;display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));counter-reset:step}.steps li{display:flex;flex-direction:column;gap:10px}.steps li:before{counter-increment:step;content:counter(step);width:44px;height:44px;border-radius:999px;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-family:var(--head);font-size:18px}.steps strong{font-size:19px}.steps span{color:var(--text-2);font-size:16px}.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;align-items:center}.split.flip>:first-child{order:2}@media (max-width: 860px){.split{grid-template-columns:1fr;gap:28px}.split.flip>:first-child{order:0}}.split img{border-radius:20px;width:100%;aspect-ratio:3 / 2;object-fit:cover}.fact{background:var(--ink-2);border-radius:var(--radius);padding:24px}.fact .label{font-size:15px;color:var(--on-dark-2)}.fact .figure{font-family:var(--head);font-weight:800;font-size:34px;color:var(--sun);margin-top:6px;line-height:1.15}.fact p:last-child{margin-top:8px;font-size:15px;color:var(--on-dark)}.photo-band{position:relative;overflow:hidden}.photo-band>picture,.photo-band>picture img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.photo-band:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,#0f2a33c7,#0f2a3399)}.photo-band .fact{background:#163b46d1;backdrop-filter:blur(2px)}.photo-band>.wrap{position:relative;z-index:1}.qlist{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px}.qlist a{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:16px 20px;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--ink);font-weight:600;background:#fff}.qlist a:after{content:"→";color:var(--teal)}.qlist a:hover{border-color:var(--teal)}.page-body{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;align-items:start}@media (max-width: 960px){.page-body{grid-template-columns:1fr;gap:32px}}.prose{max-width:720px}.prose>*+*{margin-top:18px}.prose h2{font-size:28px;margin-top:44px}.prose h3{margin-top:30px}.prose ul,.prose ol{padding-left:22px}.prose li+li{margin-top:6px}.prose .answer{font-size:20px;color:var(--ink);padding:20px 24px;background:var(--shallows);border-radius:14px}.side{position:sticky;top:96px;display:flex;flex-direction:column;gap:16px}@media (max-width: 960px){.side{position:static}}.side .card h2{font-size:19px}.glance{margin:0;display:grid;gap:0;border:1px solid var(--line);border-radius:14px;overflow:hidden}.glance div{display:grid;grid-template-columns:180px minmax(0,1fr);gap:12px;padding:12px 18px;border-top:1px solid var(--line)}.glance div:first-child{border-top:0}.glance dt{font-weight:600;color:var(--text-2);font-size:15px}.glance dd{margin:0}@media (max-width: 560px){.glance div{grid-template-columns:1fr;gap:2px}}.rows{margin:0;padding:0;list-style:none;border:1px solid var(--line);border-radius:14px;overflow:hidden}.rows li{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:4px 16px;padding:14px 18px;border-top:1px solid var(--line);align-items:baseline}.rows li:first-child{border-top:0}.rows .what{font-weight:600}.rows .fig{font-weight:700;font-family:var(--head);white-space:nowrap}.rows .note{grid-column:1 / -1;font-size:14px;color:var(--text-3)}.rows .head{background:var(--shallows);font-weight:700}.warn{background:var(--sand);border:1px solid var(--sand-line);border-radius:14px;padding:18px 20px}.sources{font-size:14px;color:var(--text-3);border-top:1px solid var(--line);padding-top:18px;margin-top:40px}.sources ul{padding-left:18px;margin:8px 0 0}.faq{display:flex;flex-direction:column;gap:10px}.faq details{border:1px solid var(--line);border-radius:12px;background:#fff}.faq summary{cursor:pointer;padding:16px 20px;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:16px}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";font-size:22px;line-height:1;color:var(--teal)}.faq details[open] summary:after{content:"−"}.faq details>div{padding:0 20px 18px;color:var(--text-2)}.warn-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:12px}.warn-list li{display:flex;gap:12px;align-items:flex-start;background:var(--ink-2);border-radius:12px;padding:16px 18px}.warn-list svg{flex:none;margin-top:2px}.form{background:#fff;border-radius:var(--radius);padding:28px;border:1px solid var(--sand-line);display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:16px;align-items:end;color:var(--ink)}.form .full{grid-column:1 / -1}.form h3{font-size:20px}.form label.field{display:flex;flex-direction:column;gap:6px;font-weight:600;font-size:15px}.form input[type=text],.form input[type=tel],.form input[type=email],.form select,.form textarea{font:inherit;font-weight:400;padding:12px 14px;border:1px solid var(--field);border-radius:10px;background:#fff;color:var(--ink);width:100%}.form textarea{min-height:120px;resize:vertical}.form input:focus,.form select:focus,.form textarea:focus{outline:3px solid rgba(15,110,122,.35);border-color:var(--teal)}.form .consent{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:var(--text-2);font-weight:400}.form .consent input{margin-top:4px;width:18px;height:18px;flex:none}.form .hp{position:absolute;left:-9999px}.form .status{font-weight:600}.form .status.ok{color:var(--teal-dark)}.form .status.err{color:var(--orange-dark)}.form button{justify-self:start}.site-footer{background:var(--ink);color:var(--on-dark);font-size:15px}.site-footer .wrap{display:grid;grid-template-columns:minmax(0,1.3fr) repeat(3,minmax(0,1fr));gap:32px 48px;padding-top:56px;padding-bottom:40px}@media (max-width: 860px){.site-footer .wrap{grid-template-columns:1fr 1fr}.site-footer .about{grid-column:1 / -1}}.site-footer h2{font-size:15px;color:#fff;font-family:var(--body);font-weight:700;margin-bottom:10px}.site-footer ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:6px}.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{text-decoration:underline;color:#fff}.site-footer .legal{grid-column:1 / -1;border-top:1px solid var(--ink-2);padding-top:20px;font-size:14px;color:var(--on-dark-2)}.fmr{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;box-shadow:0 10px 30px #0f2a330f}.fmr-progress{height:6px;background:var(--shallows)}.fmr-progress span{display:block;height:100%;width:0;background:var(--orange);transition:width .3s}.fmr-step{padding:32px;outline:none}@media (max-width: 600px){.fmr-step{padding:22px 18px}}.fmr-step h2{font-size:clamp(24px,3vw,30px)}.fmr-step>form>.muted,.fmr-results>.muted{margin-top:8px}.fmr-count{font-size:14px;font-weight:600;color:var(--teal);margin-bottom:8px}.fmr-options{display:grid;gap:10px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));margin-top:18px}.fmr-option{display:flex;gap:12px;align-items:flex-start;border:1px solid var(--field);border-radius:12px;padding:14px 16px;cursor:pointer;min-height:52px}.fmr-option:hover{border-color:var(--teal)}.fmr-option:has(input:checked){border-color:var(--teal);background:var(--shallows);box-shadow:inset 0 0 0 1px var(--teal)}.fmr-option input{margin-top:4px;width:18px;height:18px;accent-color:var(--teal);flex:none}.fmr-option small{display:block;color:var(--text-2);font-size:14px;margin-top:2px}.fmr-group{border:0;padding:0;margin:22px 0 0}.fmr-group legend{font-weight:700;font-size:15px;color:var(--text-2);text-transform:uppercase;letter-spacing:.04em}.fmr-group .fmr-options{margin-top:8px}.fmr-marks{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));margin-top:18px}.fmr .field,.fmr-marks .field{display:flex;flex-direction:column;gap:6px;font-weight:600;font-size:15px}.fmr input[type=number],.fmr input[type=date],.fmr input[type=month]{font:inherit;font-weight:400;padding:12px 14px;border:1px solid var(--field);border-radius:10px;width:100%;color:var(--ink);background:#fff}.fmr-pct{display:flex;align-items:center;gap:8px}.fmr-skip{display:flex;gap:10px;align-items:center;margin-top:16px;font-size:15px}.fmr-error{color:var(--orange-dark);font-weight:600;margin-top:12px;min-height:1em}.fmr-answers{margin:20px 0 8px;border:1px solid var(--line);border-radius:14px;overflow:hidden}.fmr-answers div{display:grid;grid-template-columns:170px minmax(0,1fr) auto;gap:12px;padding:10px 16px;border-top:1px solid var(--line);align-items:center}.fmr-answers div:first-child{border-top:0}.fmr-answers dt{font-weight:600;color:var(--text-2);font-size:15px}.fmr-answers dd{margin:0}@media (max-width: 560px){.fmr-answers div{grid-template-columns:minmax(0,1fr) auto}.fmr-answers dt{grid-column:1 / -1}}.fmr-change{font:inherit;font-size:15px;font-weight:600;color:var(--teal);background:none;border:0;cursor:pointer;padding:8px;text-decoration:underline;text-underline-offset:3px}.fmr-results h3{margin-top:28px;font-size:20px}.fmr-card{border:1px solid var(--line);border-left-width:1px;border-radius:14px;padding:18px 20px;margin-top:12px;display:flex;flex-direction:column;gap:6px}.fmr-card-head{display:flex;justify-content:space-between;gap:12px;align-items:baseline;flex-wrap:wrap}.fmr-card h4{margin:0;font-size:18px;font-family:var(--head)}.fmr-card p{color:var(--text-2);font-size:15px}.fmr-badge{font-size:13px;font-weight:700;padding:4px 10px;border-radius:999px;white-space:nowrap}.fmr-card.open{border-color:#9bcfd4;background:#f4fbfb}.fmr-card.open .fmr-badge{background:var(--teal);color:#fff}.fmr-card.verify .fmr-badge{background:var(--sand);color:var(--orange-dark);border:1px solid var(--sand-line)}.fmr-card.notyet .fmr-badge{background:#eef2f3;color:var(--text-2)}.fmr-card.closed .fmr-badge{background:#eef2f3;color:var(--text-3)}.fmr-closed{margin-top:24px}.fmr-closed summary{cursor:pointer;font-weight:700;padding:8px 0}.fmr-plan{margin-top:32px}.fmr-plan .form,#fmr-print-ready{margin-top:16px}@media print{.site-header,.site-footer,.page-hero,.fmr-progress,.fmr-change,.fmr-plan,.side,.skip,.sources,nav{display:none!important}.fmr-answers div{grid-template-columns:170px 1fr}.fmr-answers dd:last-child{display:none}body{font-size:12pt}.fmr{border:0;box-shadow:none}.fmr-step{padding:0}.fmr-closed{display:block}.fmr-closed:not([open])>:not(summary){display:block}.fmr-card{break-inside:avoid}.print-head{display:block!important;margin-bottom:16px}.print-foot{display:block!important;margin-top:20px;font-size:10pt}a.more{display:none}}.print-head,.print-foot{display:none}
