:root{--primary:#00A3B1;--primary-hover:#00818C;--primary-dark:#006068;--dark:#111827;--gray-900:#111827;--gray-800:#1F2937;--gray-700:#374151;--gray-600:#4B5563;--gray-500:#6B7280;--gray-400:#9CA3AF;--gray-300:#D1D5DB;--gray-200:#E5E7EB;--gray-100:#F3F4F6;--gray-50:#F9FAFB;--white:#FFFFFF;--font-sans:'Plus Jakarta Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;--font-body:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;--radius-sm:4px;--radius-md:6px;--radius-lg:8px;--radius-xl:12px;--radius-full:9999px}*,*::before,*::after{box-sizing:border-box}html{font-family:var(--font-body);color:var(--gray-900);background-color:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;scroll-behavior:smooth}body.ms-body{margin:0;padding:0;background-color:var(--white);color:var(--gray-900);min-height:100vh;display:flex;flex-direction:column}body.ms-locked{overflow:hidden}a{color:inherit;text-decoration:none;transition:color 0.15s ease,opacity 0.15s ease}img{max-width:100%;height:auto;display:block}h1,h2,h3,h4,h5,h6{font-family:var(--font-sans);color:var(--dark);font-weight:700;line-height:1.25;margin-top:0}.container{width:100%;max-width:1280px;margin-left:auto;margin-right:auto;padding-left:24px;padding-right:24px}@media (min-width:1536px){.\32 xl\:px-20{padding-left:5rem;padding-right:5rem}}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--font-sans);font-size:0.9375rem;font-weight:500;letter-spacing:0.02em;padding:0.625rem 1.25rem;border-radius:var(--radius-md);border:1px solid transparent;cursor:pointer;text-decoration:none !important;transition:all 0.2s ease;white-space:nowrap}.btn-primary{background-color:var(--primary);color:var(--white) !important}.btn-primary:hover{background-color:var(--primary-hover);color:var(--white) !important}.btn-lg{font-size:1rem;padding:0.8125rem 1.75rem;border-radius:var(--radius-md)}.btn-sm{font-size:0.8125rem;padding:0.45rem 0.95rem;border-radius:var(--radius-sm)}.input{display:block;width:100%;background-color:var(--white);border:1px solid var(--gray-300);border-radius:var(--radius-md);color:var(--gray-900);font-family:var(--font-body);font-size:0.9375rem;line-height:1.5;padding:0.625rem 1rem;outline:none;transition:border-color 0.2s ease,box-shadow 0.2s ease}.input:focus{border-color:var(--primary);box-shadow:0 0 0 3px rgba(0,163,177,0.15)}.input-lg{padding:0.8125rem 1.25rem;font-size:1rem}.navbar{position:sticky;top:0;z-index:80;background-color:var(--white);border-bottom:1px solid var(--gray-200);transition:border-color 0.2s ease,box-shadow 0.2s ease}.navbar.is-scrolled{box-shadow:0 4px 12px rgba(0,0,0,0.04)}.navbar .container{height:72px}.brand-logo{display:inline-flex;align-items:center;text-decoration:none !important;flex-shrink:0}.brand-text{font-family:var(--font-sans);font-size:1.5rem;font-weight:700;color:var(--gray-900);letter-spacing:-0.03em}.brand-dot{color:var(--primary)}.nav-item{font-family:var(--font-sans);font-size:0.8125rem;font-weight:500;color:var(--gray-900);padding:24px 6px;display:inline-flex;align-items:center;text-decoration:none !important;white-space:nowrap;letter-spacing:-0.01em;transition:opacity 0.15s ease}@media (min-width:1280px){.nav-item{font-size:0.8125rem;padding:24px 8px}}@media (min-width:1440px){.nav-item{font-size:0.875rem;padding:24px 10px}}.nav-item:hover{opacity:0.6}.nav-item.active{color:var(--primary);font-weight:600}.burger-btn,#ms-burger-btn{background:transparent !important;border:none !important;outline:none !important;box-shadow:none !important;padding:6px 8px !important;cursor:pointer !important;color:var(--gray-900) !important;display:inline-flex !important;align-items:center !important;justify-content:center !important;border-radius:var(--radius-md) !important;transition:opacity 0.15s ease,background-color 0.15s ease !important;line-height:1 !important;-webkit-appearance:none !important;appearance:none !important}.burger-btn:hover,#ms-burger-btn:hover,.burger-btn:focus,#ms-burger-btn:focus{opacity:0.6 !important;background-color:var(--gray-100) !important}.burger-btn svg,#ms-burger-btn svg{width:24px !important;height:24px !important;min-width:24px !important;min-height:24px !important;display:block !important;fill:currentColor !important}.w-4{width:1rem !important}.h-4{height:1rem !important}.w-5{width:1.25rem !important}.h-5{height:1.25rem !important}.w-6{width:1.5rem !important}.h-6{height:1.5rem !important}.ms-drawer,.ms-mobile-drawer{position:fixed;top:0;left:0;width:100vw;height:100vh;z-index:1000;display:none !important;visibility:hidden;opacity:0;transition:opacity 0.25s ease,visibility 0.25s ease}.ms-drawer.is-open,.ms-mobile-drawer.is-open{display:block !important;visibility:visible;opacity:1}.ms-drawer-backdrop{position:absolute;top:0;left:0;width:100%;height:100%;background-color:rgba(0,0,0,0.5)}.ms-drawer-panel{position:absolute;top:0;right:0;width:320px;max-width:85vw;height:100%;background-color:var(--white);box-shadow:-4px 0 24px rgba(0,0,0,0.15);display:flex;flex-direction:column;overflow-y:auto}.ms-drawer-head{padding:20px 24px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--gray-200)}.ms-drawer-close{background:transparent;border:none;font-size:1.75rem;line-height:1;cursor:pointer;color:var(--gray-600)}.ms-drawer-nav{padding:20px 24px;display:flex;flex-direction:column;gap:8px;flex:1}.ms-drawer-link{font-family:var(--font-sans);font-size:1.0625rem;font-weight:500;color:var(--gray-900);padding:10px 0;text-decoration:none}.ms-drawer-link:hover,.ms-drawer-link.active{color:var(--primary)}.ms-drawer-footer{padding:24px;border-top:1px solid var(--gray-200)}.ms-main-canvas{flex:1;background-color:var(--white)}.mailersend-blog-page{background-color:var(--white)}.page-title{font-size:clamp(2.5rem,5vw,3.5rem);font-weight:700;color:var(--dark);letter-spacing:-0.03em;line-height:1.15;margin:0}.text-black\/70{color:rgba(0,0,0,0.7)}.text-black\/80{color:rgba(0,0,0,0.8)}.text-black\/60{color:rgba(0,0,0,0.6)}.text-black\/50{color:rgba(0,0,0,0.5)}.text-primary{color:var(--primary) !important}.lead-img-wrapper{max-height:380px;width:100%;overflow:hidden;border-radius:var(--radius-lg);background-color:var(--gray-100)}.lead-img{width:100%;height:380px;object-fit:cover;border-radius:var(--radius-lg);transition:transform 0.3s ease}.group:hover .lead-img{transform:scale(1.02)}.lead-fallback-box{width:100%;height:380px;background:linear-gradient(135deg,#00A3B1 0%,#00818C 100%);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:16px;color:var(--white);padding:32px;text-align:center;border-radius:var(--radius-lg)}.lead-fallback-badge{font-size:0.75rem;font-weight:700;letter-spacing:0.1em;background:rgba(255,255,255,0.2);padding:4px 12px;border-radius:var(--radius-full)}.card-img-wrap{aspect-ratio:16/9;width:100%;overflow:hidden;border-radius:var(--radius-lg);background-color:var(--gray-100)}.card-img{width:100%;height:100%;object-fit:cover;border-radius:var(--radius-lg);transition:transform 0.3s ease}.group:hover .card-img{transform:scale(1.03)}.card-fallback-box{width:100%;height:100%;background-color:#E4F1F1;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;color:var(--primary)}.group:hover .group-hover\:text-primary{color:var(--primary)}.group:hover .group-hover\:translate-x-1{transform:translateX(4px)}.pagination-nav ul.pagination{display:flex;gap:8px;list-style:none;padding:0;margin:0}.pagination-nav .page-item .page-link{display:inline-flex;align-items:center;justify-content:center;min-width:38px;height:38px;padding:0 10px;border-radius:var(--radius-md);border:1px solid var(--gray-300);background-color:var(--white);color:var(--gray-700);font-family:var(--font-sans);font-size:0.875rem;font-weight:500;text-decoration:none;transition:all 0.15s ease}.pagination-nav .page-item:hover .page-link{border-color:var(--primary);color:var(--primary)}.pagination-nav .page-item.active .page-link{background-color:var(--primary);border-color:var(--primary);color:var(--white)}.ms-editorial-article{padding:40px 0 80px}.ms-editorial-article .page-title{font-size:clamp(2rem,4vw,2.75rem);margin-bottom:24px}.ms-takeaways-box{background-color:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:24px 28px;margin-bottom:36px}.ms-takeaways-header{display:flex;align-items:center;gap:10px;margin-bottom:14px}.ms-takeaways-header h4{margin:0;font-size:1.125rem;font-weight:700;color:var(--dark)}.ms-takeaways-list{margin:0;padding-left:20px;display:flex;flex-direction:column;gap:8px;font-size:0.9375rem;color:var(--gray-700)}.ms-rich-text{font-size:1.0625rem;line-height:1.75;color:var(--gray-800)}.ms-rich-text p{margin-bottom:1.5em}.ms-rich-text h2{font-size:1.75rem;font-weight:700;margin-top:2em;margin-bottom:0.8em;padding-bottom:8px;border-bottom:1px solid var(--gray-200)}.ms-rich-text h3{font-size:1.375rem;font-weight:700;margin-top:1.6em;margin-bottom:0.6em}.ms-article-page{padding-bottom:5rem;background-color:var(--white)}.ms-article-hero-section{padding-top:3rem;padding-bottom:2rem}@media (min-width:1024px){.ms-article-hero-section{padding-top:4rem;padding-bottom:2.5rem}}.ms-article-inner-wrap{max-width:1200px;margin:0 auto}.ms-article-h1{font-size:clamp(2rem,3.5vw,3rem);font-weight:700;letter-spacing:-0.025em;line-height:1.15;color:#000000;margin-top:0.5rem;margin-bottom:1.5rem}.ms-article-meta-line{display:flex;flex-wrap:wrap;align-items:center;gap:10px;font-size:0.875rem;color:rgba(0,0,0,0.7);margin-bottom:1.5rem}.ms-author-avatar-badge{width:24px;height:24px;border-radius:50%;background-color:var(--gray-200);color:var(--gray-800);display:inline-flex;align-items:center;justify-content:center;font-size:11px;font-weight:700;line-height:1;flex-shrink:0}.ms-bio-avatar-circle{width:72px;height:72px;border-radius:50%;background-color:var(--gray-100);color:var(--gray-700);display:flex;align-items:center;justify-content:center;font-size:28px;font-weight:700;line-height:1;flex-shrink:0}.ms-author-bio-box{padding:2.5rem 0;margin:3rem 0;border-top:2px solid var(--gray-200);border-bottom:2px solid var(--gray-200)}.ms-author-bio-inner{display:flex;flex-direction:row;align-items:flex-start;gap:1.5rem}.ms-blog-card-link{display:block;text-decoration:none;color:#000000}.ms-blog-card-link:hover .ms-blog-card-title{color:var(--primary)}.ms-blog-card-link:hover .ms-arrow-svg{transform:translateX(4px)}.ms-arrow-svg{width:18px;height:10px;display:inline-block;vertical-align:middle;flex-shrink:0}.ms-blog-card-img{width:100%;height:200px;object-fit:cover;border-radius:8px}.ms-blog-card-placeholder{width:100%;height:200px;background-color:var(--gray-100);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--gray-500);font-weight:600;font-size:0.875rem}.ms-article-grid{display:flex;flex-direction:column;gap:2.5rem}@media (min-width:1024px){.ms-article-grid{display:grid !important;grid-template-columns:280px minmax(0,1fr) !important;gap:3.5rem !important;align-items:start !important}.ms-toc-col{display:block !important;width:280px !important;min-width:0 !important}.ms-body-col{min-width:0 !important;width:100% !important}}@media (min-width:1280px){.ms-article-grid{grid-template-columns:300px minmax(0,1fr) !important;gap:4.5rem !important}.ms-toc-col{width:300px !important}}@media (max-width:1023px){.ms-toc-col{display:none !important}}.ms-toc-sticky{position:-webkit-sticky;position:sticky;top:96px}.ms-toc-list,#navbar-scrollspy{list-style:none !important;margin:0 0 2rem 0 !important;padding:0 !important}.ms-toc-item{list-style:none !important;margin:0 !important;padding:0 !important}.ms-toc-item.ms-toc-level-1{border-bottom:1px solid var(--gray-200)}.ms-toc-link{display:block !important;color:var(--gray-700) !important;text-decoration:none !important;line-height:1.45 !important;white-space:normal !important;word-break:break-word !important;transition:color 0.15s ease,font-weight 0.15s ease}.ms-toc-item.ms-toc-level-1 .ms-toc-link{font-size:0.9375rem;font-weight:600;padding:0.75rem 0;color:var(--gray-900) !important}.ms-toc-item.ms-toc-level-2 .ms-toc-link{font-size:0.84375rem;font-weight:500;padding:0.35rem 0 0.35rem 0.875rem;color:var(--gray-600) !important}.ms-toc-link:hover,.ms-toc-link.active{color:var(--primary) !important;font-weight:600 !important}.bard{overflow:hidden;font-size:1.125rem;line-height:1.8;color:#1F2937}.bard img{max-width:100%;height:auto;border-radius:var(--radius-md)}.bard img[style*="float:right"],.bard img[style*="float:right"]{float:right;margin-left:1.5rem;margin-bottom:1rem;max-width:45%}.bard img[style*="float:left"],.bard img[style*="float:left"]{float:left;margin-right:1.5rem;margin-bottom:1rem;max-width:45%}@media (max-width:640px){.bard img[style*="float"]{float:none !important;margin:1rem auto !important;display:block !important;max-width:100% !important}}.bard h2{font-size:clamp(1.625rem,3vw,2.125rem);font-weight:700;color:#000000;margin-top:3rem;margin-bottom:1.25rem;line-height:1.3;letter-spacing:-0.02em;scroll-margin-top:100px}.bard h3{font-size:1.375rem;font-weight:700;color:#000000;margin-top:2rem;margin-bottom:0.875rem;line-height:1.4;letter-spacing:-0.01em;scroll-margin-top:100px}.bard p{color:rgba(0,0,0,0.8);margin-bottom:1.5rem;line-height:1.75}.bard strong,.bard b{color:#000000;font-weight:700}.bard ul,.bard ol{margin-bottom:1.5rem;padding-left:1.5rem;color:rgba(0,0,0,0.8)}.bard li{margin-bottom:0.5rem;line-height:1.6}.bard a{color:var(--primary);text-decoration:underline;text-underline-offset:3px;font-weight:500}.bard a:hover{color:var(--primary-hover)}.bard img{max-width:100%;height:auto;border-radius:var(--radius-lg);margin:2rem 0}.border-t-2{border-top-width:2px !important}.border-b-2{border-bottom-width:2px !important}.border-gray-200{border-color:var(--gray-200) !important}.group:hover .group-hover\:-translate-x-1{transform:translateX(-0.25rem)}#footer ul{list-style:none !important;padding:0 !important;margin:0 !important}#footer li{list-style:none !important;margin-bottom:12px}#footer a{color:var(--gray-600);text-decoration:none;font-size:14px;transition:color 0.15s ease}#footer a:hover{color:var(--gray-900);text-decoration:underline}.back-to-top{background:transparent;border:1px solid var(--gray-300);color:var(--gray-600);padding:6px 14px;border-radius:var(--radius-md);font-family:var(--font-sans);font-size:0.8125rem;font-weight:500;cursor:pointer;transition:all 0.15s ease}.back-to-top:hover{border-color:var(--primary);color:var(--primary)}.ms-bottom-bar{display:none;position:fixed;bottom:0;left:0;width:100%;height:60px;background-color:rgba(255,255,255,0.98);border-top:1px solid var(--gray-200);z-index:999}.ms-bottom-bar-item{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;color:var(--gray-500);text-decoration:none;font-size:0.6875rem;font-weight:600;border:none;background:transparent;cursor:pointer;padding:0}.ms-bottom-bar-item:hover,.ms-bottom-bar-item.active{color:var(--primary)}.ms-bottom-bar-icon{width:20px;height:20px}.grid{display:grid}.flex{display:flex}.flex-nowrap{flex-wrap:nowrap}.items-center{align-items:center}.justify-between{justify-content:space-between}.justify-center{justify-content:center}.flex-wrap{flex-wrap:wrap}.flex-col{flex-direction:column}.hidden{display:none}.block{display:block}.w-full{width:100%}.text-center{text-align:center}.font-bold{font-weight:700}.font-semibold{font-weight:600}.font-medium{font-weight:500}.text-xs{font-size:0.75rem}.text-sm{font-size:0.875rem}.text-base{font-size:1rem}.text-lg{font-size:1.125rem}.text-xl{font-size:1.25rem}.text-2xl{font-size:1.5rem}.text-3xl{font-size:1.875rem}.leading-relaxed{line-height:1.625}.leading-6{line-height:1.5rem}.space-x-1>:not([hidden]) ~:not([hidden]){margin-left:0.25rem}.space-x-3>:not([hidden]) ~:not([hidden]){margin-left:0.75rem}.space-x-4>:not([hidden]) ~:not([hidden]){margin-left:1rem}.space-x-6>:not([hidden]) ~:not([hidden]){margin-left:1.5rem}.space-y-3>:not([hidden]) ~:not([hidden]){margin-top:0.75rem}.space-y-4>:not([hidden]) ~:not([hidden]){margin-top:1rem}.gap-2{gap:0.5rem}.gap-3{gap:0.75rem}.gap-4{gap:1rem}.gap-x-6{column-gap:1.5rem}.gap-y-12{row-gap:3rem}.gap-x-12{column-gap:3rem}.gap-y-16{row-gap:4rem}.mb-1{margin-bottom:0.25rem}.mb-2{margin-bottom:0.5rem}.mb-3{margin-bottom:0.75rem}.mb-4{margin-bottom:1rem}.mb-6{margin-bottom:1.5rem}.mb-8{margin-bottom:2rem}.mb-14{margin-bottom:3.5rem}.mt-2{margin-top:0.5rem}.mt-4{margin-top:1rem}.mt-12{margin-top:3rem}.mt-16{margin-top:4rem}.my-14{margin-top:3.5rem;margin-bottom:3.5rem}.pt-2{padding-top:0.5rem}.pt-6{padding-top:1.5rem}.pt-20{padding-top:5rem}.pb-24{padding-bottom:6rem}.rounded-lg{border-radius:var(--radius-lg)}.border-t{border-top-width:1px;border-top-style:solid}.border-b{border-bottom-width:1px;border-bottom-style:solid}.border-gray-100{border-color:var(--gray-100)}.border-gray-200{border-color:var(--gray-200)}.bg-white{background-color:var(--white)}.bg-gray-100{background-color:var(--gray-100)}.bg-opacity-50{background-color:rgba(243,244,246,0.6)}.text-gray-500{color:var(--gray-500)}.text-gray-600{color:var(--gray-600)}.hover\:underline:hover{text-decoration:underline}.hover\:opacity-60:hover{opacity:0.6}.uppercase{text-transform:uppercase}.tracking-wider{letter-spacing:0.05em}@media (min-width:640px){.sm\:grid-cols-7{grid-template-columns:repeat(7,minmax(0,1fr))}.sm\:col-span-5{grid-column:span 5 / span 5}.sm\:col-span-2{grid-column:span 2 / span 2}}@media (min-width:768px){.md\:grid-cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}.md\:grid-cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}.md\:col-span-2{grid-column:span 2 / span 2}.md\:mb-5{margin-bottom:1.25rem}}@media (min-width:1024px){.lg\:flex{display:flex}.lg\:hidden{display:none}.lg\:grid-cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}.lg\:grid-cols-5{grid-template-columns:repeat(5,minmax(0,1fr))}.lg\:grid{display:grid}.lg\:grid-cols-9{grid-template-columns:repeat(9,minmax(0,1fr))}.lg\:col-span-3{grid-column:span 3 / span 3}.lg\:col-span-6{grid-column:span 6 / span 6}.lg\:my-16{margin-top:4rem;margin-bottom:4rem}.lg\:col-span-1{grid-column:span 1 / span 1}.lg\:w-3\/4{width:75%}.lg\:w-4\/5{width:80%}.lg\:my-20{margin-top:5rem;margin-bottom:5rem}.lg\:gap-y-20{row-gap:5rem}.lg\:flex-row{flex-direction:row}.lg\:justify-between{justify-content:space-between}.lg\:mt-0{margin-top:0}}@media (min-width:1280px){.xl\:w-1\/2{width:50%}}@media (max-width:1023px){.ms-bottom-bar{display:flex}body.ms-body{padding-bottom:60px}}.ms-contact-page{background-color:var(--white);padding-bottom:5rem}.ms-contact-hero-section{padding-top:3.5rem;padding-bottom:2.5rem}@media (min-width:1024px){.ms-contact-hero-section{padding-top:5rem;padding-bottom:3.5rem}}.ms-contact-inner-wrap{max-width:960px;margin:0 auto}.ms-contact-h1{font-size:clamp(2rem,4vw,3.25rem);font-weight:700;letter-spacing:-0.025em;line-height:1.15;color:#000000;margin-top:0.25rem;margin-bottom:1.25rem}.ms-contact-subtext{font-size:1.125rem;line-height:1.7;color:rgba(0,0,0,0.75);margin-bottom:1.75rem;max-width:720px}@media (min-width:1024px){.ms-contact-subtext{font-size:1.25rem}}.ms-contact-pills-row{display:flex;flex-wrap:wrap;align-items:center;gap:12px;font-size:0.8125rem;color:var(--gray-600)}.ms-contact-pill{display:inline-flex;align-items:center;gap:6px;font-weight:500}.ms-pill-icon{width:16px;height:16px;color:var(--primary);flex-shrink:0}.ms-contact-form-section{margin-bottom:4rem}.ms-contact-form-container{background-color:var(--white)}.ms-form-wrap{width:100%}.ms-form-grid{display:grid;grid-template-columns:1fr;gap:20px}@media (min-width:768px){.ms-form-grid{grid-template-columns:repeat(12,1fr);gap:24px}.ms-form-col-6{grid-column:span 6}.ms-form-col-12{grid-column:span 12}}.ms-form-label{display:block;font-size:0.875rem;font-weight:600;color:#111827;margin-bottom:6px}.ms-form-input{width:100%;padding:12px 16px;font-size:1rem;font-family:inherit;color:#111827;background-color:#FFFFFF;border:1px solid var(--gray-300);border-radius:var(--radius-md);outline:none;transition:border-color 0.15s ease,box-shadow 0.15s ease;box-sizing:border-box}.ms-form-input:focus{border-color:var(--primary);box-shadow:0 0 0 3px rgba(0,163,177,0.15)}.ms-form-textarea{width:100%;padding:12px 16px;font-size:1rem;font-family:inherit;color:#111827;background-color:#FFFFFF;border:1px solid var(--gray-300);border-radius:var(--radius-md);outline:none;min-height:140px;resize:vertical;transition:border-color 0.15s ease,box-shadow 0.15s ease;box-sizing:border-box}.ms-form-textarea:focus{border-color:var(--primary);box-shadow:0 0 0 3px rgba(0,163,177,0.15)}.ms-form-checkbox-label{display:flex;align-items:center;gap:8px;font-size:0.875rem;color:var(--gray-700);cursor:pointer}.ms-form-checkbox{width:18px;height:18px;accent-color:var(--primary);cursor:pointer}.ms-form-footer{margin-top:8px}.ms-privacy-note{font-size:0.75rem;color:var(--gray-500);display:flex;align-items:flex-start;gap:8px;line-height:1.5;margin-bottom:20px}.ms-form-actions{display:flex;flex-wrap:wrap;align-items:center;gap:16px}.ms-submit-btn{display:inline-flex;align-items:center;gap:8px;padding:12px 28px;font-size:0.9375rem;font-weight:600;border-radius:var(--radius-md);cursor:pointer}.ms-contact-cards-section{padding-top:3rem;border-top:1px solid var(--gray-200);margin-bottom:2rem}.ms-contact-cards-grid{display:grid;grid-template-columns:1fr;gap:24px}@media (min-width:768px){.ms-contact-cards-grid{grid-template-columns:repeat(2,1fr)}}.ms-action-card{display:block;text-decoration:none;padding:24px;border:1px solid var(--gray-200);border-radius:var(--radius-lg);background-color:var(--gray-50);transition:transform 0.2s ease,border-color 0.2s ease,box-shadow 0.2s ease}.ms-action-card:hover{border-color:var(--primary);transform:translateY(-2px);box-shadow:0 4px 12px rgba(0,0,0,0.05)}.ms-action-card-title{font-size:1.0625rem;font-weight:700;color:#000000;margin:0 0 8px 0}.ms-action-card-desc{font-size:0.875rem;color:var(--gray-600);line-height:1.6;margin:0 0 16px 0}.ms-action-card-link{display:inline-flex;align-items:center;gap:8px;font-size:0.875rem;font-weight:600;color:#000000;transition:color 0.15s ease}.ms-action-card:hover .ms-action-card-link{color:var(--primary)}.ms-action-arrow{width:18px;height:10px}.ms-action-card-helpline{font-size:0.875rem;color:var(--gray-500)}.ms-action-card-helpline strong{color:#000000}.ms-home-wrap{width:100%}.ms-home-hero{padding:4.5rem 0 3.5rem;background:radial-gradient(circle at top center,rgba(14,165,233,0.06) 0%,rgba(255,255,255,0) 70%);border-bottom:1px solid var(--gray-200)}.ms-home-hero-inner{max-width:860px;margin:0 auto;text-align:center}.ms-hero-badge-wrap{margin-bottom:1.5rem}.ms-hero-badge{display:inline-flex;align-items:center;gap:0.5rem;padding:0.375rem 0.875rem;background-color:var(--gray-100);border:1px solid var(--gray-200);border-radius:9999px;font-size:0.8125rem;font-weight:600;color:var(--gray-700)}.ms-badge-dot{width:8px;height:8px;border-radius:50%;background-color:#10b981;display:inline-block;box-shadow:0 0 0 2px rgba(16,185,129,0.2)}.ms-home-h1{font-size:clamp(2.125rem,4.5vw,3.5rem);font-weight:800;line-height:1.15;letter-spacing:-0.035em;color:#000000;margin:0 0 1.25rem 0}.ms-home-lead{font-size:clamp(1rem,2vw,1.1875rem);line-height:1.6;color:var(--gray-600);max-width:720px;margin:0 auto 2.25rem}.ms-home-cta-row{display:flex;align-items:center;justify-content:center;gap:1rem;flex-wrap:wrap;margin-bottom:2.25rem}.ms-home-secondary-link{display:inline-flex;align-items:center;gap:0.5rem;padding:0.75rem 1.25rem;font-size:0.9375rem;font-weight:600;color:#000000;background-color:#ffffff;border:1px solid var(--gray-300);border-radius:var(--radius-md);text-decoration:none;transition:all 0.2s ease}.ms-home-secondary-link:hover{background-color:var(--gray-50);border-color:#000000;color:#000000}.ms-home-trust-pills{display:flex;align-items:center;justify-content:center;gap:1rem;flex-wrap:wrap;font-size:0.8125rem;color:var(--gray-600);padding-top:1rem}.ms-trust-pill{display:inline-flex;align-items:center;gap:0.375rem;font-weight:500}.ms-trust-icon{color:var(--primary);flex-shrink:0}.ms-home-table-section{padding:4rem 0;background-color:#ffffff}.ms-section-header{margin-bottom:2.5rem}.ms-section-badge{display:inline-block;font-size:0.75rem;font-weight:700;text-transform:uppercase;letter-spacing:0.06em;color:var(--primary);margin-bottom:0.5rem}.ms-section-title{font-size:clamp(1.75rem,3.5vw,2.5rem);font-weight:800;letter-spacing:-0.025em;color:#000000;margin:0 0 0.75rem 0;line-height:1.2}.ms-section-sub{font-size:1rem;line-height:1.6;color:var(--gray-600);margin:0}.ms-table-container{overflow-x:auto;border-radius:var(--radius-lg);border:1px solid var(--gray-200);background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.04)}.ms-home-categories-section{padding:4.5rem 0;background-color:var(--gray-50);border-top:1px solid var(--gray-200);border-bottom:1px solid var(--gray-200)}.ms-categories-grid{display:grid;grid-template-columns:1fr;gap:1.5rem}@media (min-width:640px){.ms-categories-grid{grid-template-columns:repeat(2,1fr)}}@media (min-width:1024px){.ms-categories-grid{grid-template-columns:repeat(4,1fr)}}.ms-cat-card{display:flex;flex-direction:column;padding:1.75rem;background-color:#ffffff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);text-decoration:none;transition:transform 0.2s ease,box-shadow 0.2s ease,border-color 0.2s ease}.ms-cat-card:hover{transform:translateY(-4px);box-shadow:0 10px 25px -5px rgba(0,0,0,0.08);border-color:var(--primary)}.ms-cat-icon-wrap{width:52px;height:52px;border-radius:var(--radius-md);background-color:rgba(14,165,233,0.1);color:var(--primary);display:flex;align-items:center;justify-content:center;margin-bottom:1.25rem;transition:background-color 0.2s ease,color 0.2s ease}.ms-cat-card:hover .ms-cat-icon-wrap{background-color:var(--primary);color:#ffffff}.ms-cat-title{font-size:1.125rem;font-weight:700;color:#000000;margin:0 0 0.5rem 0}.ms-cat-desc{font-size:0.875rem;line-height:1.55;color:var(--gray-600);flex-grow:1;margin:0 0 1.25rem 0}.ms-cat-link{display:inline-flex;align-items:center;gap:0.5rem;font-size:0.875rem;font-weight:600;color:var(--primary)}.ms-home-compliance-section{padding:4.5rem 0;background-color:#ffffff}.ms-compliance-grid{display:grid;grid-template-columns:1fr;gap:2rem}@media (min-width:768px){.ms-compliance-grid{grid-template-columns:repeat(2,1fr)}}.ms-compliance-card{padding:2.25rem;border:1px solid var(--gray-200);border-radius:var(--radius-lg);background-color:#ffffff;box-shadow:0 1px 3px rgba(0,0,0,0.03)}.ms-compliance-icon-wrap{margin-bottom:1.25rem}.ms-circle-18{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border:2px solid #ef4444;color:#ef4444;font-weight:800;border-radius:50%;font-size:0.875rem}.ms-compliance-title{font-size:1.25rem;font-weight:700;color:#000000;margin:0 0 1rem 0}.ms-compliance-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:0.875rem;font-size:0.875rem;line-height:1.55;color:var(--gray-700)}.ms-compliance-list strong{color:#000000}.ms-compliance-text{font-size:0.875rem;line-height:1.6;color:var(--gray-600);margin:0 0 1.25rem 0}.ms-compliance-tools{display:flex;flex-direction:column;gap:0.875rem}.ms-tool-item{font-size:0.875rem;line-height:1.5;color:var(--gray-700);padding-left:0.875rem;border-left:3px solid var(--primary)}.ms-tool-item strong{color:#000000}.ms-helpline-box{display:flex;align-items:center;justify-content:space-between;background-color:#fef2f2;border:1px solid #fee2e2;border-radius:var(--radius-md);padding:0.875rem 1.25rem;margin-top:0.75rem;font-size:0.875rem;color:#991b1b;font-weight:600}.ms-helpline-num{font-size:1.125rem;font-weight:800;color:#dc2626;text-decoration:none}.ms-helpline-num:hover{text-decoration:underline}.ms-home-blog-section{padding:4.5rem 0;background-color:var(--gray-50);border-top:1px solid var(--gray-200)}.ms-blog-all-link{display:inline-flex;align-items:center;gap:0.5rem;font-size:0.875rem;font-weight:600;color:#000000;text-decoration:none;transition:color 0.15s ease}.ms-blog-all-link:hover{color:var(--primary)}.ms-blog-card-link{display:block;text-decoration:none;color:inherit}.ms-blog-card-img{width:100%;height:200px;object-fit:cover;border-radius:var(--radius-md)}.ms-blog-card-placeholder{width:100%;height:200px;background-color:var(--gray-200);border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;font-size:1rem;font-weight:700;color:var(--gray-400);letter-spacing:-0.01em}.ms-blog-card-title{display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}.ms-home-seo-section{padding:4.5rem 0;background-color:#ffffff;border-top:1px solid var(--gray-200)}.ms-seo-box{max-width:960px;margin:0 auto}.ms-seo-header{margin-bottom:2rem;padding-bottom:1.5rem;border-bottom:1px solid var(--gray-200);display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:1rem}.ms-seo-title{font-size:1.5rem;font-weight:800;color:#000000;margin:0;letter-spacing:-0.02em}.ms-seo-badge{font-size:0.75rem;font-weight:700;color:var(--gray-500);background-color:var(--gray-100);padding:0.25rem 0.625rem;border-radius:var(--radius-sm);text-transform:uppercase;letter-spacing:0.05em}.ms-seo-content{font-size:0.9375rem;line-height:1.75;color:var(--gray-700)}.ms-trust-footer-box{display:flex;align-items:center;gap:1.25rem;padding:1.25rem 1.5rem;background-color:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--radius-lg)}.ms-trust-avatar{width:44px;height:44px;border-radius:50%;background-color:var(--primary);color:#ffffff;display:flex;align-items:center;justify-content:center;flex-shrink:0}