.fl-body{margin:0;background:#f7f8fa;color:#111827;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;line-height:1.6}
.fl-body a{color:inherit}
.fl-body main{display:block}

.site-header{background:#00133d;color:#f2f0e9;position:relative;z-index:50}
.site-header__inner{display:flex;align-items:center;gap:18px;padding:12px 16px;flex-wrap:wrap}
.site-brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#f2f0e9}
.site-brand strong{display:block;font-size:18px;font-weight:800;color:#fff}
.site-brand small{display:block;font-size:11.5px;opacity:.75;color:#81ddc6}
.fl-brand-mark{display:inline-flex;width:42px;height:42px;border-radius:10px;flex:0 0 auto;
  background:linear-gradient(135deg,#28d7a1,#00247d);box-shadow:0 4px 14px rgba(40,215,161,.25)}
.nav-toggle{margin-left:auto;background:none;border:0;padding:8px;display:none;flex-direction:column;gap:5px;cursor:pointer}
.nav-toggle span[aria-hidden]{display:block;width:24px;height:2px;background:#f2f0e9}
.primary-nav{display:flex;flex-wrap:wrap;gap:4px 18px;margin-left:auto}
.primary-nav a{color:#dbe6f2;text-decoration:none;font-size:14.5px;font-weight:600;padding:6px 2px}
.primary-nav a:hover{color:#28d7a1}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.skip-link{position:absolute;left:-9999px}

.page-hero{background:linear-gradient(135deg,#00247d,#00133d);color:#f2f0e9;padding:34px 0}
.page-hero__inner{padding:0 16px}
.page-hero .eyebrow{color:#28d7a1;text-transform:uppercase;letter-spacing:.8px;font-size:12.5px;font-weight:700;margin:0 0 8px}
.page-hero h1{color:#fff !important;font-size:clamp(24px,3.4vw,38px);line-height:1.2;margin:0 0 10px}
.page-hero__lede{color:#c9d6e6;max-width:70ch;margin:0}

.fl-crumbs{font-size:13px;color:#b9c6d6;margin:0 0 10px}
.fl-crumbs a{color:#81ddc6;text-decoration:none}
.fl-crumbs .sep{margin:0 6px;opacity:.6}
.fl-crumbs b{color:#fff}

.container{max-width:1200px;margin:0 auto;padding-left:16px;padding-right:16px}
.section{padding:28px 0}
.section--tint{background:#f2f6fc}
.section-heading h2{margin:0 0 6px;font-size:22px;color:#00133d}
.section-heading .eyebrow{color:#0052a5;text-transform:uppercase;letter-spacing:.8px;font-size:12px;font-weight:700;margin:0 0 4px}
.dark-line{height:1px;background:rgba(17,24,39,.12);margin:22px 0}

.content-card-grid{display:grid;gap:20px;grid-template-columns:repeat(3,minmax(0,1fr))}
@media (max-width:900px){.content-card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.content-card-grid{grid-template-columns:1fr}}
.hub-feature-card{background:#fff;border:1px solid #e3e8ef;border-radius:14px;overflow:hidden;
  display:flex;flex-direction:column;box-shadow:0 6px 18px rgba(17,24,39,.05)}
.guide-card__media{display:block}
.fl-thumb{height:150px;background:linear-gradient(135deg,#d9e5f5,#f2f6fc);position:relative}
.fl-thumb::after{content:"";position:absolute;inset:0;margin:auto;width:52px;height:52px;border-radius:12px;
  background:linear-gradient(135deg,#28d7a1,#00247d);opacity:.85}
.guide-card__body{padding:16px 18px;display:flex;flex-direction:column;gap:8px}
.guide-card__body h3{margin:0;font-size:17px;line-height:1.35}
.guide-card__body h3 a{color:#00133d;text-decoration:none}
.guide-card__body h3 a:hover{color:#0052a5}
.guide-card__body p{margin:0;color:#4b5563;font-size:14px}
.fl-card-cat{font-size:11.5px;text-transform:uppercase;letter-spacing:.6px;font-weight:700}
.fl-card-cat a{color:#0052a5;text-decoration:none}
.text-link{color:#0052a5;font-weight:700;text-decoration:none;font-size:14px;margin-top:auto}
.text-link:hover{color:#28d7a1}

.nz-topic-card-grid{display:grid;gap:16px;grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:900px){.nz-topic-card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.nz-topic-card-grid{grid-template-columns:1fr}}
.nz-topic-card{display:block;background:#fff;border:1px solid #e3e8ef;border-radius:14px;padding:18px;
  text-decoration:none;box-shadow:0 6px 18px rgba(17,24,39,.05)}
.nz-topic-card h3{margin:10px 0 6px;font-size:16px;color:#00133d}
.nz-topic-card p{margin:0 0 10px;font-size:13.5px;color:#4b5563}
.nz-topic-card a{color:#0052a5;font-weight:700;text-decoration:none;font-size:13.5px}
.scnz-home-topic-icon{display:inline-flex;width:36px;height:36px;border-radius:9px;
  background:rgba(40,215,161,.16);border:1px solid rgba(40,215,161,.4)}
.fl-subcats{margin-bottom:22px}

.fl-post-wrap{padding-top:6px}
.fl-post-main{max-width:900px}
.fl-post__title{font-size:clamp(23px,3vw,34px);line-height:1.22;color:#00133d;margin:14px 0 10px}
.fl-post__meta{display:flex;flex-wrap:wrap;gap:14px;font-size:13px;color:#6c757d;margin:0 0 18px;padding-bottom:14px;border-bottom:1px solid rgba(17,24,39,.10)}
.fl-post__meta a{color:#0052a5;text-decoration:none}
.fl-prose{font-size:16px;color:#252b33;line-height:1.75}
.fl-prose h2{margin:26px 0 10px;font-size:21px;color:#00133d}
.fl-prose h3{margin:22px 0 8px;font-size:18px;color:#00133d}
.fl-prose p{margin:0 0 15px}
.fl-prose a{color:#0052a5}
.fl-prose img{max-width:100%;height:auto;border-radius:10px}
.fl-prose ul,.fl-prose ol{margin:0 0 15px;padding-left:22px}
.fl-cats{display:flex;flex-wrap:wrap;gap:8px;margin:22px 0}
.fl-cats .button{display:inline-block;padding:7px 14px;border-radius:8px;background:rgba(0,36,125,.08);
  color:#00247d;font-size:13px;font-weight:700;text-decoration:none}

.fl-pager{display:flex;flex-wrap:wrap;gap:6px;margin:22px 0}
.fl-pager a{min-width:36px;text-align:center;padding:7px 10px;border-radius:8px;border:1px solid #e3e8ef;
  text-decoration:none;color:#00247d;font-weight:700;font-size:14px;background:#fff}
.fl-pager a.is-active{background:#00247d;color:#fff;border-color:#00247d}
.fl-empty{color:#6c757d}

.fl-comments{margin-top:30px;border-top:1px solid rgba(17,24,39,.10);padding-top:20px}
.fl-comments__title{font-size:20px;color:#00133d;margin:0 0 16px}
.fl-comments__item{display:flex;gap:12px;padding:14px 0;border-bottom:1px solid rgba(17,24,39,.07)}
.fl-comments__ava img{border-radius:50%;display:block}
.fl-comments__initial{display:flex;width:40px;height:40px;border-radius:50%;background:#00247d;color:#fff;
  align-items:center;justify-content:center;font-weight:800}
.fl-comments__head{display:flex;gap:10px;align-items:baseline}
.fl-comments__name{font-weight:800;color:#00133d}
.fl-comments__date{font-size:12px;color:#9aa0a6}
.fl-comments__text{margin:6px 0 0;color:#252b33}
.fl-comments__likes{font-size:12.5px;color:#6c757d}

.site-footer{background:#00133d;color:#c9d6e6;margin-top:30px;padding:30px 0 12px}
.site-footer__grid{display:grid;gap:26px;grid-template-columns:1.4fr 1fr 1fr 1fr}
@media (max-width:860px){.site-footer__grid{grid-template-columns:1fr 1fr}}
.site-footer__panel h2{font-size:13px;text-transform:uppercase;letter-spacing:.8px;color:#81ddc6;margin:0 0 12px}
.site-footer .site-brand strong{color:#fff}
.footer-links{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:7px}
.footer-links a{color:#c9d6e6;text-decoration:none;font-size:14px}
.footer-links a:hover{color:#28d7a1}
.site-footer__brand-panel p{font-size:13.5px;color:#9fb0c4;margin:12px 0 0}
.footer-small{font-size:12.5px;color:#8fa1b6}
.site-footer__bottom{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;
  border-top:1px solid rgba(255,255,255,.12);margin-top:22px;padding-top:14px;font-size:12.5px;color:#8fa1b6}

@media (max-width:760px){
  .nav-toggle{display:flex}
  .primary-nav{display:none;flex-direction:column;width:100%;gap:2px;margin:8px 0 0}
  .primary-nav.is-open{display:flex}
}