:root{
  --ink:#172033;--muted:#667085;--line:#e7eaf0;--paper:#ffffff;--soft:#f6f8fb;
  --brand:#0d5c63;--brand2:#123b5d;--accent:#f2c14e;--danger:#8b1e3f;
  --radius:18px;--shadow:0 18px 45px rgba(19,35,57,.10);--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(--brand2);text-decoration-thickness:.08em;text-underline-offset:.16em}a:hover{color:var(--brand)}
img{max-width:100%;height:auto}.wrap{width:min(var(--max),calc(100% - 32px));margin:auto}
.skip{position:absolute;left:-9999px;top:8px}.skip:focus{left:8px;background:#fff;padding:10px 14px;border:2px solid var(--ink);z-index:9999}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.header-inner{min-height:72px;display:flex;align-items:center;gap:22px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:900;color:var(--ink);font-size:1.15rem;white-space:nowrap}.brand-mark{width:34px;height:34px;border-radius:10px;background:linear-gradient(145deg,var(--brand),var(--brand2));display:grid;place-items:center;color:white;font-weight:900}
.nav{display:flex;gap:18px;align-items:center;margin-left:auto}.nav a{text-decoration:none;color:var(--ink);font-weight:700;font-size:.94rem}.nav a:hover{color:var(--brand)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;background:var(--brand);color:#fff!important;text-decoration:none;font-weight:800;padding:12px 18px;border:0;cursor:pointer;box-shadow:0 8px 20px rgba(13,92,99,.18)}.btn:hover{background:#084a50}.btn.secondary{background:var(--brand2)}.btn.ghost{background:#fff;color:var(--brand2)!important;border:1px solid var(--line);box-shadow:none}
.menu-btn{display:none;margin-left:auto;border:1px solid var(--line);background:#fff;border-radius:12px;padding:9px 11px;font-weight:800}
.hero{background:linear-gradient(180deg,#f4fbfb,#fff);border-bottom:1px solid var(--line)}.hero-inner{padding:72px 0 58px;display:grid;grid-template-columns:1.35fr .65fr;gap:44px;align-items:center}
.eyebrow{font-weight:900;color:var(--brand);text-transform:uppercase;letter-spacing:.1em;font-size:.78rem}.hero h1,.article h1{font-size:clamp(2.15rem,5vw,4.25rem);line-height:1.03;letter-spacing:-.045em;margin:.25em 0 .35em}.hero p{font-size:1.18rem;color:#3b4658;max-width:720px}
.hero-card,.side-card,.note,.cta-box,.topic-card{border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}
.hero-card{padding:26px}.hero-card strong{display:block;font-size:1.05rem;margin-bottom:10px}.hero-list{list-style:none;padding:0;margin:0}.hero-list li{padding:9px 0;border-bottom:1px solid var(--line)}.hero-list li:last-child{border:0}
.section{padding:58px 0}.section.alt{background:var(--soft)}.section h2{font-size:clamp(1.7rem,3vw,2.45rem);letter-spacing:-.03em;margin:0 0 14px}.lede{color:var(--muted);max-width:760px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}.topic-card{padding:22px}.topic-card h3{margin:.2em 0 .4em;font-size:1.15rem}.topic-card p{color:var(--muted);font-size:.95rem}.topic-card a{font-weight:800}
.breadcrumbs{font-size:.9rem;color:var(--muted);padding:22px 0 0}.breadcrumbs a{color:var(--muted)}
.article-shell{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:52px;align-items:start;padding:26px 0 70px}.article h1{font-size:clamp(2.1rem,4.5vw,3.6rem)}.article .dek{font-size:1.18rem;color:#475467}.meta{color:var(--muted);font-size:.92rem;border-bottom:1px solid var(--line);padding-bottom:18px;margin-bottom:24px}.disclosure{font-size:.9rem;color:#5d6674;background:#fff9e8;border:1px solid #f5dda4;border-radius:12px;padding:12px 14px;margin:18px 0}
.article h2{font-size:1.75rem;line-height:1.2;letter-spacing:-.025em;margin-top:2.2em}.article h3{font-size:1.25rem;margin-top:1.7em}.article p,.article li{font-size:1.03rem}.article ul,.article ol{padding-left:1.25rem}
.note{padding:18px 20px;background:#f8fbff;box-shadow:none;border-left:4px solid var(--brand2);margin:24px 0}.cta-box{padding:24px;margin:28px 0;background:linear-gradient(145deg,#f0fbfa,#f6f8ff)}.cta-box h3{margin-top:0}.cta-box p{color:#4b5565}
.sidebar{position:relative}.side-card{position:sticky;top:96px;padding:22px}.side-card h3{margin-top:0}.side-card p{font-size:.94rem;color:var(--muted)}.side-card .btn{width:100%}.side-links{margin-top:20px;padding-top:18px;border-top:1px solid var(--line)}.side-links a{display:block;padding:7px 0;text-decoration:none;font-weight:700}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:14px;margin:20px 0}table{border-collapse:collapse;width:100%;min-width:620px}th,td{padding:13px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}th{background:var(--soft)}
.faq details{border-top:1px solid var(--line);padding:14px 0}.faq summary{font-weight:800;cursor:pointer}
.footer{background:#111827;color:#d1d5db;padding:48px 0 30px}.footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:34px}.footer h3{color:#fff}.footer-bottom{border-top:1px solid #344054;margin-top:30px;padding-top:20px;font-size:.9rem;color:#9ca3af}
.popup-backdrop{position:fixed;inset:0;background:rgba(17,24,39,.62);display:none;align-items:center;justify-content:center;z-index:200;padding:20px}.popup{width:min(720px,100%);border-radius:24px;background:#fff;box-shadow:0 30px 80px rgba(0,0,0,.28);overflow:hidden;display:grid;grid-template-columns:1fr 1fr}.popup-art{background:linear-gradient(145deg,var(--brand2),var(--brand));color:#fff;padding:34px;display:flex;flex-direction:column;justify-content:center}.popup-art .orb{width:120px;height:120px;border-radius:50%;background:rgba(255,255,255,.12);display:grid;place-items:center;font-size:3rem;margin-bottom:18px}.popup-copy{padding:32px;position:relative}.close{position:absolute;right:15px;top:12px;border:0;background:#f2f4f7;width:34px;height:34px;border-radius:50%;font-size:1.2rem;cursor:pointer}.popup-copy h2{margin-top:10px}.trust{font-size:.86rem;color:var(--muted);margin-top:14px}
.kicker-row{display:flex;gap:10px;flex-wrap:wrap;margin:16px 0}.chip{display:inline-flex;border-radius:999px;background:#eef7f7;padding:6px 10px;font-size:.82rem;font-weight:800;color:var(--brand)}
@media(max-width:900px){
 .nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:16px 20px;flex-direction:column;align-items:flex-start}.nav.open{display:flex}.menu-btn{display:block}.header-cta{display:none}
 .hero-inner,.article-shell,.footer-grid{grid-template-columns:1fr}.hero-inner{padding-top:48px}.sidebar{order:-1}.side-card{position:relative;top:auto}.grid{grid-template-columns:1fr 1fr}.popup{grid-template-columns:1fr}.popup-art{display:none}
}
@media(max-width:620px){.grid{grid-template-columns:1fr}.wrap{width:min(100% - 22px,var(--max))}.article p,.article li{font-size:1rem}.hero h1,.article h1{letter-spacing:-.035em}.section{padding:42px 0}}