:root{--ink:#142033;--muted:#5f6d82;--paper:#f8faff;--surface:#fff;--line:#dce4f2;--nav:#101a2d;--blue:#3158d6;--blue2:#eaf0ff;--gold:#ffd266;--green:#18794e;--max:1200px}
*{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;background:var(--paper);color:var(--ink);line-height:1.72}
a{color:var(--blue)}img{max-width:100%}.wrap{max-width:var(--max);margin:auto;padding:0 22px}.site-header{background:var(--nav);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 1px 0 rgba(255,255,255,.08)}
.header-row{min-height:72px;display:flex;align-items:center;gap:22px}.brand{font-size:21px;font-weight:900;color:#fff;text-decoration:none;letter-spacing:-.02em}.brand b{color:var(--gold)}nav{display:flex;gap:18px;align-items:center;flex:1}nav a{color:#dfe7fa;text-decoration:none;font-size:14px;font-weight:650}.header-cta{margin-left:auto;background:var(--gold);color:#162033!important;padding:10px 14px;border-radius:9px;font-weight:850;text-decoration:none;white-space:nowrap}
.menu-button{display:none}.hero{background:linear-gradient(135deg,#edf2ff 0%,#fff8df 100%);padding:74px 0 56px;border-bottom:1px solid var(--line)}.eyebrow,.pill{display:inline-block;background:var(--blue2);color:var(--blue);font-size:12px;font-weight:850;padding:6px 10px;border-radius:99px;letter-spacing:.02em;text-transform:uppercase}
h1{font-size:clamp(38px,5.4vw,68px);line-height:1.03;letter-spacing:-.045em;margin:14px 0 18px;max-width:900px}h2{font-size:30px;line-height:1.22;letter-spacing:-.02em;margin-top:50px}h3{font-size:21px;line-height:1.3;margin-top:30px}.lead{font-size:20px;line-height:1.55;color:#45536b;max-width:810px}.btn{display:inline-block;background:var(--blue);color:#fff!important;text-decoration:none;font-weight:850;padding:13px 18px;border-radius:9px;border:0}.btn.secondary{background:var(--nav)}.btn.gold{background:var(--gold);color:#172033!important}.btnrow{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0}.micro{font-size:13px;color:var(--muted)}.disclosure{font-size:13px;color:#526178;background:#f1f4fa;border-radius:8px;padding:10px 12px}
.layout{display:grid;grid-template-columns:minmax(0,800px) 310px;gap:44px;padding-top:40px}.article{min-width:0}.article p,.article li{font-size:17px}.article ul,.article ol{padding-left:24px}.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:18px}.breadcrumb a{text-decoration:none}.card{background:var(--surface);border:1px solid var(--line);border-radius:15px;padding:22px;box-shadow:0 8px 28px rgba(22,40,80,.055)}.sticky{position:sticky;top:92px}.card h3{margin-top:10px}.callout{border-left:5px solid var(--gold);background:#fff8df;padding:19px 20px;border-radius:0 12px 12px 0;margin:30px 0}.decision{background:#eef8f3;border:1px solid #cde9dc;padding:20px;border-radius:12px;margin:30px 0}.decision strong{color:var(--green)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid.two{grid-template-columns:repeat(2,1fr)}.cardlink{text-decoration:none;color:inherit}.cardlink:hover h3{color:var(--blue)}.card h3{margin-bottom:8px}.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin:28px 0}.toc strong{display:block;margin-bottom:5px}.toc a{text-decoration:none}.sourcebox{font-size:14px;background:#fff;border:1px solid var(--line);padding:18px;border-radius:12px}.footer{margin-top:72px;background:var(--nav);color:#cbd5e7;padding:48px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.footer a{color:#fff}.footer .brand{display:inline-block;margin-bottom:10px}.footer ul{list-style:none;padding:0}.footer li{margin:7px 0}
.sitewide-offer{background:#1a2742;color:#edf3ff;border-bottom:1px solid rgba(255,255,255,.08);font-size:13px}.sitewide-offer .wrap{display:flex;align-items:center;justify-content:center;gap:10px;padding-top:7px;padding-bottom:7px}.sitewide-offer a{color:#ffd266;font-weight:850}
.popup{position:fixed;right:22px;bottom:22px;max-width:390px;background:#fff;border:1px solid var(--line);box-shadow:0 22px 75px rgba(10,25,60,.28);border-radius:16px;padding:22px;z-index:60}.popup button.close{position:absolute;right:12px;top:9px;border:0;background:transparent;font-size:24px;cursor:pointer}.popup.hidden{display:none}
@media(max-width:940px){nav{display:none}.header-row{min-height:64px}.layout{grid-template-columns:1fr}.sticky{position:static}.grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr}.header-cta{font-size:13px}.popup{left:14px;right:14px;bottom:14px;max-width:none}}
@media(max-width:620px){.grid,.grid.two{grid-template-columns:1fr}.hero{padding:50px 0 38px}.header-cta{padding:9px 10px}.sitewide-offer .wrap{justify-content:flex-start}.article p,.article li{font-size:16px}h2{font-size:27px}}