:root{
  --ink:#0d1b2a;--muted:#52606d;--paper:#fbfcfe;--card:#fff;--line:#dbe4ee;
  --navy:#0a2740;--teal:#007f7b;--teal2:#0aa6a0;--gold:#f4b942;--soft:#eaf8f7;
  --max:1180px;--reading:760px;--shadow:0 12px 30px rgba(13,27,42,.08);
}
*{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:1.65}
a{color:#056f8a;text-decoration-thickness:.08em;text-underline-offset:.14em}a:hover{color:#004d61}
img,svg{max-width:100%}.container{width:min(var(--max),calc(100% - 32px));margin:auto}
.disclosure-strip{font-size:.82rem;background:#eef3f7;color:#405160;text-align:center;padding:7px 16px}
.disclosure-strip a{color:inherit}
.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-row{display:flex;align-items:center;gap:24px;min-height:72px}
.brand{display:flex;align-items:center;gap:10px;color:var(--navy);text-decoration:none;font-weight:850;letter-spacing:-.03em;font-size:1.2rem;white-space:nowrap}
.brand-mark{width:36px;height:36px;display:grid;place-items:center;background:var(--navy);border-radius:50%;color:white}
.nav{display:flex;align-items:center;gap:18px;margin-left:auto}.nav a{font-size:.92rem;font-weight:650;color:#27445c;text-decoration:none}
.nav a:hover{color:var(--teal)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:10px;padding:12px 17px;font-weight:800;text-decoration:none;border:1px solid transparent;line-height:1.2}
.btn-primary{background:var(--teal);color:#fff;box-shadow:0 7px 18px rgba(0,127,123,.18)}.btn-primary:hover{background:#006c69;color:#fff}
.btn-secondary{background:white;border-color:#b8c8d7;color:var(--navy)}.btn-secondary:hover{border-color:var(--teal);color:var(--teal)}
.header-cta{white-space:nowrap}.menu-btn{display:none;background:none;border:0;font-size:1.4rem}
.hero{background:linear-gradient(135deg,#071f33,#0b3f57 58%,#087b78);color:#fff;padding:72px 0 64px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:46px;align-items:center}
.kicker{display:inline-block;font-size:.78rem;text-transform:uppercase;letter-spacing:.14em;font-weight:850;color:#9ee7e4;margin-bottom:10px}
.hero h1{font-size:clamp(2.45rem,5vw,4.7rem);line-height:.98;letter-spacing:-.055em;margin:.1em 0 .28em}.hero p{font-size:1.12rem;color:#d9ebf1;max-width:680px}
.hero-card{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);padding:25px;border-radius:22px;box-shadow:var(--shadow)}
.hero-card h2{font-size:1.4rem;margin:0 0 8px}.hero-card p{font-size:.95rem}.hero-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.section{padding:54px 0}.section h2{font-size:2rem;letter-spacing:-.035em;margin:0 0 8px}.section-lede{color:var(--muted);max-width:760px;margin-top:0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 8px 22px rgba(13,27,42,.04)}
.card h3{margin:0 0 8px;font-size:1.12rem}.card p{color:var(--muted);font-size:.94rem}.card a.stretch{font-weight:800;text-decoration:none;color:var(--navy)}.card a.stretch:hover{color:var(--teal)}
.badge{display:inline-block;font-size:.72rem;font-weight:800;padding:4px 8px;border-radius:99px;background:var(--soft);color:#006c69;margin-bottom:8px}
.breadcrumb{font-size:.84rem;color:#617487;padding:18px 0}.breadcrumb a{color:#617487}
.article-shell{display:grid;grid-template-columns:minmax(0,var(--reading)) 300px;gap:48px;align-items:start;padding-bottom:70px}
.article h1{font-size:clamp(2.25rem,5vw,3.7rem);line-height:1.04;letter-spacing:-.05em;margin:.14em 0 .28em}
.article .dek{font-size:1.16rem;color:#4f6475;margin-bottom:16px}.meta{font-size:.86rem;color:#6b7d8d;margin-bottom:24px}
.keybox{background:var(--soft);border:1px solid #bce8e5;border-radius:16px;padding:20px 22px;margin:26px 0}.keybox strong{display:block;margin-bottom:6px}.keybox ul{margin-bottom:0}
.article h2{font-size:1.72rem;letter-spacing:-.03em;margin-top:42px;scroll-margin-top:110px}.article h3{font-size:1.22rem;margin-top:28px}.article p{font-size:1.02rem}
.article .inline-cta{background:linear-gradient(135deg,#08293f,#0a5a65);color:white;border-radius:18px;padding:24px;margin:34px 0}.inline-cta p{color:#d7ecf0}.inline-cta .btn{background:#fff;color:#075b5a}.inline-cta small{display:block;color:#bcd1d7;margin-top:10px}
.sidebar{position:sticky;top:104px}.side-card{background:white;border:1px solid var(--line);border-radius:16px;padding:20px;margin-bottom:16px;box-shadow:0 8px 24px rgba(13,27,42,.05)}
.side-card h3{margin-top:0}.side-card p,.side-card li{font-size:.91rem;color:var(--muted)}.side-card .btn{width:100%}
.related{margin-top:42px;border-top:1px solid var(--line);padding-top:28px}.related-list{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.related-list a{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px;text-decoration:none;font-weight:750;color:var(--navy)}
.hub-hero{padding:42px 0 18px}.hub-hero h1{font-size:clamp(2.4rem,5vw,4rem);letter-spacing:-.05em;margin:.1em 0}.hub-hero p{font-size:1.12rem;color:var(--muted);max-width:760px}
.site-footer{background:#071d2d;color:#c7d4dd;padding:45px 0 90px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:28px}.site-footer h3,.site-footer h4{color:#fff}.site-footer a{color:#c7d4dd}.footer-note{font-size:.83rem;color:#8fa2af;margin-top:28px;border-top:1px solid #1b394b;padding-top:20px}
.mobile-sticky{display:none;position:fixed;bottom:0;left:0;right:0;z-index:50;background:white;border-top:1px solid var(--line);padding:9px 12px;box-shadow:0 -8px 20px rgba(13,27,42,.1)}.mobile-sticky .btn{width:100%}
.notice{border-left:4px solid var(--gold);background:#fff9e9;padding:16px 18px;margin:24px 0}.source-list{font-size:.88rem;color:var(--muted)}.source-list a{word-break:break-word}
.toc{border:1px solid var(--line);border-radius:14px;padding:16px 18px;background:white;margin:22px 0}.toc strong{display:block;margin-bottom:7px}.toc a{display:block;padding:3px 0;text-decoration:none}
table{width:100%;border-collapse:collapse;margin:22px 0;background:white}th,td{padding:12px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:#f1f6f8}
@media(max-width:980px){.nav{display:none;position:absolute;top:72px;left:0;right:0;background:white;padding:20px 24px;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}.nav.open{display:flex}.menu-btn{display:block;margin-left:auto}.header-cta{display:none}.hero-grid,.article-shell,.footer-grid{grid-template-columns:1fr}.sidebar{position:static}.side-card.offer-side{display:none}.grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.container{width:min(100% - 22px,var(--max))}.hero{padding:50px 0}.grid,.related-list{grid-template-columns:1fr}.article h1{font-size:2.35rem}.article p{font-size:1rem}.mobile-sticky{display:block}.site-footer{padding-bottom:100px}.disclosure-strip{font-size:.74rem}.footer-grid{gap:12px}}