:root{
  --bg:#f7f9fc;--surface:#ffffff;--ink:#172033;--muted:#5d6b82;
  --brand:#175cd3;--brand-dark:#0f46a6;--accent:#f3b61f;--line:#dbe3ef;
  --good:#0f7b4f;--shadow:0 10px 30px rgba(23,32,51,.08);--radius:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.65}
a{color:var(--brand);text-underline-offset:3px}
img,svg{max-width:100%}
.skip{position:absolute;left:-9999px;top:0;background:#000;color:#fff;padding:.7rem 1rem;z-index:999}
.skip:focus{left:.75rem;top:.75rem}
.disclosure{background:#102342;color:#e8eef8;font-size:.86rem;text-align:center;padding:.45rem 1rem}
.disclosure a{color:#fff}
header{background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{max-width:1180px;margin:auto;display:flex;align-items:center;gap:1rem;padding:.85rem 1rem}
.logo{display:flex;align-items:center;gap:.55rem;font-weight:850;font-size:1.2rem;color:var(--ink);text-decoration:none;white-space:nowrap}
.logo-mark{width:34px;height:34px;border-radius:10px;background:linear-gradient(145deg,var(--brand),#6aa7ff);display:grid;place-items:center;color:#fff;font-weight:900}
.navlinks{display:flex;gap:.9rem;align-items:center;margin-left:auto}
.navlinks a{color:var(--ink);text-decoration:none;font-weight:650;font-size:.93rem}
.navlinks a:hover{text-decoration:underline}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.4rem;border-radius:999px;padding:.72rem 1rem;font-weight:800;text-decoration:none;border:1px solid transparent}
.btn-primary{background:var(--brand);color:#fff}
.btn-primary:hover{background:var(--brand-dark)}
.btn-soft{background:#eef4ff;color:var(--brand);border-color:#cfe0ff}
.menu{display:none;margin-left:auto;border:1px solid var(--line);border-radius:10px;background:#fff;padding:.5rem .7rem;font-weight:800}
.container{max-width:1180px;margin:auto;padding:0 1rem}
.hero{padding:4.5rem 0 3.2rem;background:radial-gradient(circle at 90% 20%,#dcecff 0,transparent 36%),linear-gradient(#fff,#f7f9fc)}
.hero-grid{display:grid;grid-template-columns:1.35fr .8fr;gap:2.5rem;align-items:center}
.eyebrow{font-weight:850;color:var(--brand);text-transform:uppercase;letter-spacing:.08em;font-size:.78rem}
h1,h2,h3{line-height:1.15;letter-spacing:-.02em}
h1{font-size:clamp(2.35rem,5vw,4.5rem);margin:.5rem 0 1rem}
h2{font-size:clamp(1.55rem,3vw,2.2rem);margin:2.4rem 0 .8rem}
h3{font-size:1.18rem;margin:1.6rem 0 .45rem}
.lead{font-size:1.15rem;color:var(--muted);max-width:760px}
.offer-card,.card,.sidebar-card,.note,.toc{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.offer-card{padding:1.5rem}
.offer-card .kicker{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;font-weight:800;color:var(--good)}
.offer-card ul{padding-left:1.15rem}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
.card{padding:1.25rem}
.card h3{margin-top:.1rem}
.card a.stretch{font-weight:800;text-decoration:none}
.section{padding:3rem 0}
.breadcrumbs{font-size:.84rem;color:var(--muted);padding-top:1.2rem}
.breadcrumbs a{color:var(--muted)}
.article-shell{display:grid;grid-template-columns:minmax(0,1fr) 315px;gap:2.3rem;align-items:start;padding:1.2rem 0 4rem}
.article{background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(1.2rem,3vw,2.4rem)}
.article h1{font-size:clamp(2rem,4vw,3.35rem)}
.meta{color:var(--muted);font-size:.9rem;margin:.6rem 0 1.2rem}
.article p,.article li{max-width:78ch}
.article table{border-collapse:collapse;width:100%;display:block;overflow-x:auto;margin:1.2rem 0}
.article th,.article td{border:1px solid var(--line);padding:.7rem;vertical-align:top;text-align:left}
.article th{background:#f3f6fb}
.article blockquote{border-left:4px solid var(--brand);margin:1.3rem 0;padding:.7rem 1rem;background:#f5f9ff}
.cta-box{border:2px solid #c9dcff;background:linear-gradient(135deg,#eef5ff,#fff8e0);padding:1.4rem;border-radius:18px;margin:1.6rem 0}
.cta-box strong{display:block;font-size:1.15rem;margin-bottom:.25rem}
.sidebar{position:sticky;top:96px}
.sidebar-card{padding:1.25rem}
.sidebar-card .btn{width:100%;margin:.55rem 0}
.sidebar-card small{display:block;color:var(--muted);line-height:1.45}
.toc{padding:1rem 1.2rem;margin:1rem 0 1.5rem;box-shadow:none;background:#fbfcfe}
.toc strong{display:block;margin-bottom:.5rem}
.toc ul{margin:.3rem 0;padding-left:1.1rem}
.note{padding:1rem 1.15rem;background:#fff9e8;border-color:#f4d77f;box-shadow:none}
.related{border-top:1px solid var(--line);margin-top:2.5rem;padding-top:1.5rem}
.related ul{columns:2;gap:2rem;padding-left:1.1rem}
footer{background:#101a2b;color:#d5deeb;padding:2.5rem 0 5rem}
footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2rem}
.footer-title{font-weight:850;color:#fff}
.mobile-sticky{display:none}
.badge{display:inline-block;background:#e9f8f1;color:#0d6c47;border-radius:999px;padding:.25rem .65rem;font-weight:800;font-size:.78rem}
.pill{display:inline-block;background:#eef4ff;color:#174ea6;border-radius:999px;padding:.2rem .6rem;font-weight:750;font-size:.78rem}
ul.checks{list-style:"✓  ";padding-left:1.3rem}
@media(max-width:900px){
 .hero-grid,.article-shell,.footer-grid{grid-template-columns:1fr}
 .grid{grid-template-columns:1fr 1fr}
 .sidebar{position:static}
 .sidebar-card{display:none}
 .navlinks{display:none;position:absolute;left:0;right:0;top:66px;background:#fff;border-bottom:1px solid var(--line);padding:1rem;flex-direction:column;align-items:stretch}
 .navlinks.open{display:flex}
 .menu{display:block}
 .header-cta{display:none}
 .mobile-sticky{display:flex;position:fixed;left:.7rem;right:.7rem;bottom:.7rem;z-index:80;background:#12243f;border:1px solid #294468;border-radius:16px;padding:.55rem;box-shadow:0 12px 30px rgba(0,0,0,.25);align-items:center;gap:.7rem}
 .mobile-sticky span{color:#fff;font-size:.78rem;line-height:1.25}
 .mobile-sticky .btn{margin-left:auto;white-space:nowrap}
}
@media(max-width:620px){
 .grid{grid-template-columns:1fr}
 .related ul{columns:1}
 .article{border-radius:0;border-left:0;border-right:0}
 .container.article-container{padding:0}
 h1{font-size:2.5rem}
}