:root{--navy:#2d2b78;--blue:#35349a;--blue-dark:#24226d;--sky:#f1f1fb;--ink:#252536;--muted:#63636e;--line:#d8d8df;--white:#fff;--sand:#f5f5f7;--silver:#9b9b9b;--silver-dark:#6f6f73;--green:#35349a;--max:1180px;--shadow:0 16px 40px rgba(53,52,154,.11)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:#0d4f77}img,svg{max-width:100%;height:auto}.wrap{max-width:var(--max);margin:auto;padding:0 24px}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:99}.topbar{background:var(--navy);color:#dce8f0;font-size:.9rem}.topbar .wrap{display:flex;justify-content:space-between;gap:20px;padding-top:8px;padding-bottom:8px}.topbar a{color:#fff}.site-header{position:sticky;top:0;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);z-index:20}.navrow{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:76px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}.brandmark{width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--blue));display:grid;place-items:center;color:#fff;font-weight:900;letter-spacing:-.06em}.brandtext strong{display:block;font-size:1.08rem}.brandtext span{display:block;font-size:.74rem;color:var(--muted)}nav ul{display:flex;list-style:none;gap:22px;margin:0;padding:0;align-items:center}nav a{text-decoration:none;color:var(--ink);font-weight:650;font-size:.95rem}.btn,.btn:visited{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:10px;padding:12px 18px;border:1px solid var(--blue);background:var(--blue);color:#fff;text-decoration:none;font-weight:750;line-height:1.2;cursor:pointer}.btn:hover{background:#0f587f;color:#fff}.btn.secondary{background:#fff;color:var(--navy);border-color:var(--navy)}.btn.ghost{background:transparent;color:var(--navy);border-color:var(--line)}.menu-btn{display:none;border:1px solid var(--line);background:#fff;border-radius:8px;padding:9px 12px}.hero{padding:74px 0 58px;background:linear-gradient(120deg,#f3f8fb 0%,#fff 52%,#edf7f3 100%);border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:var(--blue);font-size:.78rem}.hero h1,.page-hero h1{font-size:clamp(2.3rem,5vw,4.4rem);line-height:1.03;letter-spacing:-.045em;color:var(--navy);margin:.2em 0}.hero p{font-size:1.16rem;color:#3f4c56;max-width:720px}.hero-card,.card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow)}.hero-card{padding:28px}.hero-card h2{margin-top:0}.checklist{list-style:none;padding:0;margin:18px 0}.checklist li{padding:9px 0 9px 30px;position:relative;border-bottom:1px solid #edf1f3}.checklist li:before{content:'✓';position:absolute;left:0;color:var(--green);font-weight:900}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.trustbar{padding:22px 0;border-bottom:1px solid var(--line)}.trustgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.trustitem{font-size:.94rem}.trustitem strong{display:block;color:var(--navy)}section{padding:64px 0}.section-alt{background:#f7fafc}.section-sand{background:var(--sand)}.section-head{max-width:760px;margin-bottom:30px}.section-head h2{font-size:clamp(1.8rem,3vw,2.7rem);line-height:1.15;color:var(--navy);letter-spacing:-.03em;margin:.2em 0}.section-head p{color:var(--muted)}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.card{padding:25px;box-shadow:none}.card h3{color:var(--navy);margin-top:0}.icon{width:42px;height:42px;border-radius:10px;background:var(--sky);display:grid;place-items:center;color:var(--blue);font-weight:900;margin-bottom:14px}.kpi{font-size:2rem;font-weight:850;color:var(--navy);line-height:1.1}.small{font-size:.88rem;color:var(--muted)}.page-hero{padding:50px 0 38px;background:#f6fafc;border-bottom:1px solid var(--line)}.page-hero h1{font-size:clamp(2.1rem,4vw,3.5rem)}.breadcrumbs{font-size:.86rem;color:var(--muted);margin-bottom:16px}.breadcrumbs a{color:var(--muted)}.content-wrap{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:48px;align-items:start}.article h2{font-size:1.85rem;color:var(--navy);margin-top:2.1rem;line-height:1.2}.article h3{font-size:1.3rem;color:var(--navy);margin-top:1.6rem}.article p,.article li{max-width:790px}.article .lead{font-size:1.14rem;color:#43515d}.callout{border-left:4px solid var(--blue);background:var(--sky);padding:18px 20px;border-radius:0 10px 10px 0;margin:24px 0}.warning{border-left-color:#b77a16;background:#fff8e8}.good{border-left-color:var(--green);background:#edf8f4}.sidebar{position:sticky;top:104px}.sidebar .card{margin-bottom:18px}.sidebar ul{padding-left:18px}.toc a{text-decoration:none}.cta{background:var(--navy);color:#fff;border-radius:20px;padding:34px}.cta h2,.cta h3{color:#fff;margin-top:0}.cta p{color:#d6e2eb}.cta .btn.secondary{border-color:#fff}.faq details{border:1px solid var(--line);border-radius:12px;padding:16px 18px;background:#fff;margin:10px 0}.faq summary{font-weight:750;color:var(--navy);cursor:pointer}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field label{display:block;font-weight:700;margin-bottom:6px}.field input,.field select,.field textarea{width:100%;border:1px solid #bdc8cf;border-radius:9px;padding:12px 13px;font:inherit;background:#fff}.field textarea{min-height:130px}.span-2{grid-column:1/-1}.hp{position:absolute;left:-9999px}.calc{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}.result{background:var(--navy);color:#fff;border-radius:14px;padding:20px;margin-top:18px}.result strong{display:block;font-size:1.75rem}.checkgroup{border:1px solid var(--line);border-radius:14px;padding:20px;margin:18px 0}.checkgroup h3{margin-top:0}.checkrow{display:flex;gap:11px;align-items:flex-start;padding:8px 0;border-bottom:1px solid #edf1f3}.checkrow:last-child{border-bottom:0}.source-list{font-size:.9rem;color:var(--muted)}.article-list article{padding:24px 0;border-bottom:1px solid var(--line)}.tag{display:inline-block;background:var(--sky);color:var(--blue);font-weight:750;font-size:.75rem;padding:4px 9px;border-radius:999px}.site-footer{background:#0c1d2d;color:#c6d2db;padding:52px 0 26px}.footergrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:30px}.site-footer h3{color:#fff;font-size:1rem}.site-footer a{color:#dce8f0}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:7px 0}.fine{border-top:1px solid #294052;margin-top:36px;padding-top:18px;font-size:.82rem;color:#94a5b2}.mobile-cta{display:none}.pill{display:inline-block;border:1px solid var(--line);border-radius:999px;padding:6px 10px;font-size:.82rem;margin:3px;background:#fff}.table-wrap{overflow:auto}table{width:100%;border-collapse:collapse}th,td{padding:12px 13px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}th{background:#f5f8fa;color:var(--navy)}
@media(max-width:920px){.hero-grid,.content-wrap,.grid-3,.trustgrid,.footergrid{grid-template-columns:1fr 1fr}.content-wrap{grid-template-columns:1fr}.sidebar{position:static}nav{display:none;position:absolute;left:0;right:0;top:76px;background:#fff;border-bottom:1px solid var(--line);padding:18px 24px}nav.open{display:block}nav ul{display:block}nav li{padding:8px 0}.menu-btn{display:block}.hero-grid{grid-template-columns:1fr}.hero-card{max-width:650px}}
@media(max-width:640px){.topbar .wrap{display:block}.hero{padding:50px 0 38px}.grid-2,.grid-3,.trustgrid,.footergrid,.form-grid{grid-template-columns:1fr}.span-2{grid-column:auto}.brandtext span{display:none}.wrap{padding:0 18px}section{padding:48px 0}.mobile-cta{display:block;position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--line);padding:10px 14px;z-index:30}.mobile-cta .btn{width:100%}.site-footer{padding-bottom:88px}}
@media print{.site-header,.topbar,.mobile-cta,.sidebar,.site-footer,.actions,.btn{display:none!important}.content-wrap{display:block}.page-hero{padding:15px 0}.article{font-size:10.5pt}body{color:#000}.callout{break-inside:avoid}}
.notice{padding:12px 14px;border:1px solid currentColor;border-radius:8px;margin:0 0 16px;font-size:.95rem}.notice.error{font-weight:600}


/* NPIS heritage brand refresh — original blue/silver identity, modernised */
body{background:#fff;color:var(--ink)}
a{color:var(--blue)}a:hover{color:var(--blue-dark)}
.topbar{background:linear-gradient(90deg,#25236f 0%,#35349a 70%,#4b49a7 100%);color:#f3f3fb;border-bottom:1px solid rgba(255,255,255,.16)}
.site-header{background:rgba(255,255,255,.985);border-bottom:4px solid var(--blue);box-shadow:0 4px 16px rgba(45,43,120,.08)}
.navrow{min-height:94px}.brand{gap:0;flex:0 0 auto}.brand-logo{display:block;width:265px;max-width:36vw;height:auto}.brandmark,.brandtext{display:none}
nav a{color:#29283f}nav a:hover{color:var(--blue)}
.btn,.btn:visited{border-color:var(--blue);background:linear-gradient(180deg,#4543aa 0%,#35349a 100%);box-shadow:0 6px 16px rgba(53,52,154,.14)}
.btn:hover{background:linear-gradient(180deg,#35349a 0%,#272575 100%);color:#fff}.btn.secondary{background:#fff;color:var(--blue-dark);border-color:#7776b8;box-shadow:none}.btn.ghost{background:#fff;color:var(--blue-dark);border-color:#c8c8dd;box-shadow:none}.menu-btn{border-color:#c8c8dd;color:var(--blue-dark)}
.hero{padding:74px 0 58px;background:linear-gradient(112deg,#fff 0%,#fafafe 48%,#e8e8f7 78%,#d3d3ed 100%);border-bottom:1px solid #d2d2df;position:relative;overflow:hidden}.hero:after{content:'';position:absolute;right:-140px;top:-190px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(53,52,154,.13),rgba(53,52,154,0) 68%);pointer-events:none}.hero-grid{position:relative;z-index:1}.hero h1,.page-hero h1{color:var(--blue-dark)}.hero p{color:#4f4f5e}.eyebrow{color:var(--blue);letter-spacing:.13em}.hero-card,.card{border-color:#d8d8e5}.hero-card{border-top:5px solid var(--blue);box-shadow:0 18px 42px rgba(53,52,154,.11)}
.checklist li:before{color:var(--blue)}.trustbar{background:#fff;border-bottom:1px solid #d8d8df}.trustitem strong{color:var(--blue-dark)}
.section-alt{background:#f4f4fb}.section-sand{background:#f4f4f6}.section-head h2,.card h3,.article h2,.article h3,.faq summary{color:var(--blue-dark)}.icon{background:#ececf8;color:var(--blue);border:1px solid #d8d8ee}.kpi{color:var(--blue)}
.page-hero{background:linear-gradient(105deg,#fff 0%,#f5f5fb 60%,#e5e5f5 100%);border-bottom:1px solid #d7d7e2}.breadcrumbs a{color:#66667a}.callout{border-left-color:var(--blue);background:#f1f1fb}.warning{border-left-color:#8a6a23;background:#fff9ec}.good{border-left-color:#7776b8;background:#f3f3fb}
.cta{background:linear-gradient(118deg,#25236f 0%,#35349a 60%,#5755ad 100%);box-shadow:0 20px 45px rgba(53,52,154,.18)}.cta p{color:#eeeef8}.tag{background:#ececf8;color:var(--blue-dark)}
.result{background:linear-gradient(120deg,#292774,#3f3da1)}
th{background:#f1f1f8;color:var(--blue-dark)}
.site-footer{background:linear-gradient(120deg,#1f1d5e 0%,#2d2b78 62%,#35349a 100%);color:#d9d9e9;border-top:5px solid #8f8f9a}.site-footer a{color:#f2f2fb}.site-footer a:hover{color:#fff}.fine{border-top-color:rgba(255,255,255,.18);color:#bcbcd1}.footer-brand-panel{display:inline-block;background:#fff;border-radius:10px;padding:10px 14px;margin-bottom:12px;box-shadow:0 8px 24px rgba(0,0,0,.12)}.footer-brand-logo{display:block;width:280px;max-width:100%;height:auto}
.brand-rule{height:5px;background:linear-gradient(90deg,#35349a 0%,#35349a 62%,#9b9b9b 62%,#9b9b9b 78%,transparent 78%);margin-top:0}
@media(max-width:920px){.brand-logo{width:235px;max-width:52vw}.navrow{min-height:86px}nav{top:86px;border-top:1px solid #e4e4ec}.hero:after{opacity:.65}}
@media(max-width:640px){.brand-logo{width:205px;max-width:68vw}.navrow{min-height:80px}.site-header{border-bottom-width:3px}nav{top:80px}.hero{padding-top:44px}.topbar{font-size:.82rem}.footer-brand-logo{width:245px}}