:root{
  --ink:#14213d;--muted:#526078;--paper:#ffffff;--soft:#f5f7fb;--line:#dce3ee;
  --navy:#0d1b2a;--blue:#165dff;--teal:#0b8f87;--gold:#f3b33d;
  --shadow:0 16px 40px rgba(13,27,42,.09);--radius:18px;--max:1180px
}
*{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(--paper);line-height:1.72}
a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}
img{max-width:100%}.wrap{max-width:var(--max);margin:auto;padding:0 22px}
.topbar{background:var(--navy);color:#fff;font-size:.86rem;text-align:center;padding:8px}
.topbar a{color:#fff;font-weight:800}
header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:24px;min-height:72px}
.brand{display:flex;align-items:center;gap:11px;color:var(--navy);text-decoration:none;font-weight:900;font-size:1.22rem;white-space:nowrap}
.brand svg{width:38px;height:38px}
.navlinks{display:flex;gap:18px;align-items:center;margin-left:auto}.navlinks a{color:var(--ink);font-size:.93rem;font-weight:700;text-decoration:none}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:12px 18px;background:var(--blue);color:#fff!important;text-decoration:none!important;font-weight:850;box-shadow:0 7px 18px rgba(22,93,255,.22);border:0}
.btn:hover{transform:translateY(-1px)}.btn.secondary{background:var(--navy)}
.menu{display:none;background:none;border:0;font-size:1.5rem}
.hero{background:linear-gradient(135deg,#f4f7ff 0%,#fff 55%,#ecfbf9 100%);padding:76px 0 62px;border-bottom:1px solid var(--line)}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:900;letter-spacing:.11em;text-transform:uppercase;color:var(--teal);background:#e7f8f6;border-radius:999px;padding:7px 10px}
h1,h2,h3{line-height:1.17;color:var(--navy)}h1{font-size:clamp(2.3rem,6vw,4.35rem);letter-spacing:-.04em;margin:.25em 0}.article h1{font-size:clamp(2.15rem,5vw,3.55rem)}
h2{font-size:clamp(1.55rem,3vw,2.1rem);margin-top:1.65em}h3{font-size:1.17rem}
.lead{font-size:1.18rem;color:var(--muted);max-width:760px}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0}
.disclosure{font-size:.82rem;color:var(--muted)}.trustline{display:flex;gap:16px;flex-wrap:wrap;margin-top:28px}.trustline span{font-size:.9rem;background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 12px}
.section{padding:58px 0}.soft{background:var(--soft)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff;box-shadow:0 5px 20px rgba(13,27,42,.04)}
.card h3{margin-top:.2em}.card p{color:var(--muted)}.card .meta{font-size:.78rem;font-weight:800;color:var(--teal);text-transform:uppercase;letter-spacing:.06em}
.article-shell{display:grid;grid-template-columns:minmax(0,780px) 300px;gap:46px;align-items:start;padding:42px 0 74px}
.breadcrumbs{font-size:.84rem;color:var(--muted);margin:6px 0 24px}.breadcrumbs a{color:var(--muted)}
.article-body{font-size:1.04rem}.article-body p{margin:0 0 1.15em}.article-body li{margin:.5em 0}
.note{border-left:4px solid var(--teal);background:#eefaf8;padding:16px 18px;border-radius:0 12px 12px 0;margin:24px 0}
.cta-box{background:linear-gradient(135deg,var(--navy),#183a5a);color:#fff;border-radius:var(--radius);padding:26px;margin:30px 0;box-shadow:var(--shadow)}
.cta-box h2,.cta-box h3{color:#fff;margin-top:0}.cta-box p{color:#dce8f5}.cta-box .btn{background:#fff;color:var(--navy)!important}
.sidebar{position:sticky;top:98px}.side-card{border:1px solid var(--line);border-radius:var(--radius);padding:22px;background:#fff;margin-bottom:18px;box-shadow:var(--shadow)}
.side-card.offer{background:linear-gradient(165deg,#f4f7ff,#fff)}.side-card h3{margin-top:0}.side-card ul{padding-left:18px}.side-card li{margin:8px 0}
.related{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.related a{display:block;border:1px solid var(--line);padding:14px;border-radius:12px;text-decoration:none;font-weight:750;background:#fff}
.cat-hero{padding:52px 0 28px}.article-list{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;padding:10px 0 60px}
footer{background:var(--navy);color:#d7e1ec;padding:46px 0 24px}footer a{color:#fff}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.fine{font-size:.8rem;color:#9eb0c5;border-top:1px solid #2f4051;margin-top:28px;padding-top:20px}
.mobile-cta{display:none}
.table-wrap{overflow-x:auto}table{width:100%;border-collapse:collapse;margin:20px 0}th,td{padding:12px;border-bottom:1px solid var(--line);text-align:left}th{background:var(--soft)}
.checklist{padding-left:0;list-style:none}.checklist li{padding:8px 0 8px 28px;position:relative}.checklist li:before{content:"✓";position:absolute;left:0;color:var(--teal);font-weight:900}
@media(max-width:920px){
 .navlinks{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;border-bottom:1px solid var(--line);padding:18px 22px;flex-direction:column;align-items:flex-start}.navlinks.open{display:flex}.menu{display:block;margin-left:auto}.nav>.btn{display:none}
 .article-shell{grid-template-columns:1fr}.sidebar{position:static}.grid{grid-template-columns:1fr 1fr}.footgrid{grid-template-columns:1fr 1fr}
 .mobile-cta{display:flex;position:fixed;z-index:120;left:14px;right:14px;bottom:12px;background:var(--blue);color:#fff!important;text-decoration:none;border-radius:999px;padding:14px 18px;justify-content:center;font-weight:900;box-shadow:0 10px 28px rgba(13,27,42,.28)}
 body{padding-bottom:64px}
}
@media(max-width:620px){.grid,.article-list,.related,.footgrid{grid-template-columns:1fr}.hero{padding-top:50px}.trustline{gap:8px}}