:root{
  --ink:#152238;--muted:#5d6b7e;--paper:#fbfcfe;--card:#ffffff;
  --line:#dfe6ee;--brand:#1857d2;--brand2:#0f3c93;--accent:#f2a900;
  --soft:#eef5ff;--success:#146b45;--danger:#8a2c2c;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.68}
a{color:var(--brand);text-decoration-thickness:1px;text-underline-offset:3px}
img{max-width:100%}
.container{width:min(var(--max),calc(100% - 36px));margin:auto}
.site-header{position:sticky;top:0;z-index:20;background:rgba(251,252,254,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{min-height:72px;display:flex;align-items:center;gap:22px}
.brand{display:flex;align-items:center;gap:10px;font-weight:900;color:var(--ink);text-decoration:none;font-size:1.16rem;white-space:nowrap}
.brand-mark{width:36px;height:36px;border-radius:10px;background:linear-gradient(135deg,var(--brand),var(--brand2));display:grid;place-items:center;color:white;font-weight:900}
.navlinks{display:flex;gap:18px;align-items:center;margin-left:auto}
.navlinks a{color:var(--ink);font-weight:650;text-decoration:none;font-size:.95rem}
.nav-cta,.btn{display:inline-flex;align-items:center;justify-content:center;padding:.78rem 1rem;border-radius:10px;background:var(--brand);color:white!important;font-weight:800;text-decoration:none;border:1px solid transparent}
.btn.secondary{background:white;color:var(--brand)!important;border-color:#a9c2ed}
.menu-btn{display:none;margin-left:auto;background:white;border:1px solid var(--line);padding:.6rem .75rem;border-radius:9px}
.hero{padding:78px 0 54px;background:linear-gradient(180deg,#edf5ff 0%,#fbfcfe 100%)}
.eyebrow{display:inline-block;font-size:.78rem;letter-spacing:.09em;text-transform:uppercase;font-weight:900;color:var(--brand2);background:#dceaff;padding:.32rem .58rem;border-radius:999px}
h1,h2,h3{line-height:1.17;letter-spacing:-.025em}
h1{font-size:clamp(2.35rem,5vw,4.4rem);max-width:900px;margin:.65rem 0 1rem}
h2{font-size:clamp(1.65rem,3vw,2.35rem);margin:2.6rem 0 .8rem}
h3{font-size:1.27rem;margin:1.75rem 0 .45rem}
.lede{font-size:1.18rem;max-width:760px;color:#3f4c60}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.grid{display:grid;gap:20px}
.grid3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid2{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 7px 25px rgba(21,34,56,.04)}
.card h3{margin-top:0}
.kicker{font-size:.8rem;font-weight:900;text-transform:uppercase;letter-spacing:.08em;color:var(--brand)}
.section{padding:48px 0}
.article-wrap{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:42px;align-items:start;padding:44px 0}
.article p,.article li{font-size:1.04rem}
.article ul,.article ol{padding-left:1.35rem}
.breadcrumbs{font-size:.9rem;color:var(--muted);margin-bottom:14px}
.breadcrumbs a{color:var(--muted)}
.meta{font-size:.92rem;color:var(--muted);display:flex;gap:10px;flex-wrap:wrap;margin-bottom:22px}
.note,.disclosure,.callout{padding:16px 18px;border-radius:12px;margin:20px 0}
.disclosure{background:#fff8df;border:1px solid #eed88a}
.note{background:var(--soft);border:1px solid #c9dcff}
.callout{background:#f5faf7;border:1px solid #c9e5d6}
.toc{position:sticky;top:94px;background:white;border:1px solid var(--line);border-radius:14px;padding:18px}
.toc strong{display:block;margin-bottom:8px}
.toc a{display:block;padding:5px 0;color:#425269;text-decoration:none;font-size:.92rem}
table{border-collapse:collapse;width:100%;margin:20px 0;background:white}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:#f3f7fb}
.moneybox{border:1px solid #b8ccef;background:#f3f7ff;border-radius:16px;padding:22px;margin:28px 0}
.moneybox h3{margin-top:0}
.pill{display:inline-block;padding:.28rem .5rem;border-radius:999px;background:#eef3f8;color:#48586c;font-size:.77rem;font-weight:800;margin-right:4px}
.site-footer{margin-top:40px;border-top:1px solid var(--line);background:#101b2d;color:#dfe8f5;padding:44px 0 22px}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:28px}
.site-footer a{color:#dfe8f5}
.site-footer small{color:#99a9bd}
.footer-bottom{padding-top:25px;margin-top:25px;border-top:1px solid #2a3a50}
.article-list{display:grid;gap:12px}
.article-list a{display:block;background:white;border:1px solid var(--line);padding:14px 16px;border-radius:12px;text-decoration:none;color:var(--ink);font-weight:750}
.cta-strip{background:#11264a;color:white;border-radius:18px;padding:28px}
.cta-strip h2{margin-top:0;color:white}
.cta-strip p{color:#dbe8fb}
.badge-row{display:flex;gap:8px;flex-wrap:wrap;margin:12px 0 0}
.home-stat{font-size:2rem;font-weight:900}
.fine{font-size:.88rem;color:var(--muted)}
@media(max-width:860px){
 .navlinks{display:none;position:absolute;top:72px;left:0;right:0;background:white;border-bottom:1px solid var(--line);padding:18px;flex-direction:column;align-items:flex-start}
 .navlinks.open{display:flex}.menu-btn{display:block}
 .grid3,.grid2,.footer-grid,.article-wrap{grid-template-columns:1fr}
 .toc{position:static;order:-1}.hero{padding-top:52px}
}

.sidebar-cta{margin-top:18px;background:#11264a;color:white;border-radius:14px;padding:18px;border:1px solid #1f3e70}
.sidebar-cta .kicker{color:#c8dcff}
.sidebar-cta h3{margin:.35rem 0 .55rem;color:white;font-size:1.15rem}
.sidebar-cta p{font-size:.9rem;line-height:1.55;color:#dbe8fb;margin:.5rem 0 1rem}
.sidebar-cta .btn{width:100%;padding:.72rem .8rem}
.sidebar-cta small{display:block;margin-top:.75rem;color:#aebed2;line-height:1.4}