:root{
  --ink:#122033; --muted:#5e6b7c; --line:#dce4ea; --bg:#f7fafc; --paper:#fff;
  --brand:#0f7b6c; --brand-dark:#0a5c51; --accent:#dff5ef; --warm:#fff3dd; --focus:#1a73e8;
  --max:1180px; --reading:760px;
}
*{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:1.68}
a{color:var(--brand-dark);text-decoration-thickness:.08em;text-underline-offset:.16em}
a:hover{text-decoration-thickness:.14em}
img{max-width:100%;height:auto}.skip-link{position:absolute;left:-9999px;top:0;background:#000;color:#fff;padding:.7rem 1rem;z-index:1000}
.skip-link:focus{left:.75rem;top:.75rem}
.container{width:min(var(--max),calc(100% - 2rem));margin:auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.header-row{min-height:72px;display:flex;align-items:center;gap:1.25rem}
.brand{display:inline-flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--ink);font-weight:850;font-size:1.2rem;letter-spacing:-.03em}
.brand-mark{width:34px;height:34px;border-radius:10px;background:linear-gradient(145deg,var(--brand),#33aa98);display:grid;place-items:center;color:#fff;font-weight:900}
.primary-nav{display:flex;align-items:center;gap:1rem;margin-left:auto}.primary-nav a{color:var(--ink);font-weight:650;text-decoration:none;font-size:.95rem}
.primary-nav a:hover{color:var(--brand-dark)}.header-cta{margin-left:.3rem}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.35rem;padding:.78rem 1.05rem;border-radius:12px;font-weight:800;text-decoration:none;border:1px solid transparent;line-height:1.1}
.btn-primary{background:var(--brand);color:#fff;box-shadow:0 4px 16px rgba(15,123,108,.17)}.btn-primary:hover{background:var(--brand-dark);color:#fff}
.btn-secondary{background:#fff;border-color:var(--line);color:var(--ink)}
.menu-toggle{display:none;margin-left:auto;background:#fff;border:1px solid var(--line);border-radius:10px;padding:.55rem .7rem;font-weight:800}
.hero{padding:5rem 0 3.7rem;background:linear-gradient(180deg,#f4fbf9 0,#fff 100%)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center}
.eyebrow{font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;color:var(--brand-dark);font-weight:850}
h1,h2,h3{line-height:1.16;letter-spacing:-.035em;margin-top:0}h1{font-size:clamp(2.5rem,6vw,5rem);margin-bottom:1rem}
h2{font-size:clamp(1.65rem,3vw,2.35rem);margin-top:2.7rem;margin-bottom:.9rem}
h3{font-size:1.22rem;margin-top:2rem}.lede{font-size:1.18rem;color:#3f4d5f;max-width:720px}
.hero-card{background:#102a43;color:#fff;border-radius:24px;padding:2rem;box-shadow:0 18px 50px rgba(16,42,67,.16);position:relative;overflow:hidden}
.hero-card:after{content:"";position:absolute;width:220px;height:220px;border-radius:50%;background:#30b39d;right:-80px;bottom:-110px;opacity:.55}
.hero-card h2{margin-top:0;color:#fff}.hero-card p{color:#d7e6ef}.hero-card .btn{position:relative;z-index:2}
.trustline{display:flex;gap:.9rem;flex-wrap:wrap;margin-top:1.2rem}.pill{background:#eff7f5;color:#1d554d;border:1px solid #cfe9e2;border-radius:999px;padding:.35rem .65rem;font-size:.82rem;font-weight:750}
.section{padding:3.5rem 0}.section-soft{background:var(--bg);border-top:1px solid #edf1f4;border-bottom:1px solid #edf1f4}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.card{border:1px solid var(--line);border-radius:18px;padding:1.35rem;background:#fff}
.card h3{margin-top:.2rem}.card p{color:var(--muted)}.card a.stretched{font-weight:800}
.content-layout{display:grid;grid-template-columns:minmax(0,var(--reading)) 300px;gap:3rem;align-items:start;padding:2.2rem 0 4rem}
.article-header{padding-top:2.8rem}.breadcrumb{font-size:.86rem;color:var(--muted);margin-bottom:1.1rem}.breadcrumb a{color:var(--muted)}
.article-header h1{font-size:clamp(2.25rem,5vw,4rem);max-width:900px}.meta{font-size:.88rem;color:var(--muted);display:flex;gap:1rem;flex-wrap:wrap}
.article-body{min-width:0}.article-body p,.article-body li{font-size:1.03rem}.article-body ul{padding-left:1.25rem}
.key-takeaway{border-left:4px solid var(--brand);background:#f0faf7;border-radius:0 14px 14px 0;padding:1rem 1.15rem;margin:1.4rem 0 2rem}
.sidebar{position:sticky;top:96px}.sidebar-card{border:1px solid var(--line);border-radius:18px;padding:1.25rem;background:#fff;box-shadow:0 8px 26px rgba(18,32,51,.06);margin-bottom:1rem}
.sidebar-card h3{margin:.1rem 0 .65rem}.sidebar-card p{font-size:.92rem;color:var(--muted)}
.sidebar-links a{display:block;padding:.52rem 0;border-top:1px solid #eef2f5;text-decoration:none;font-weight:700}
.cta-box{background:linear-gradient(135deg,#e8f8f4,#f6fbfa);border:1px solid #cbe9e1;border-radius:18px;padding:1.35rem;margin:2.2rem 0}
.cta-box h2,.cta-box h3{margin-top:0}.disclosure{font-size:.8rem;color:var(--muted);margin-top:.6rem}
.related{border-top:1px solid var(--line);margin-top:2.7rem;padding-top:1.4rem}.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:.8rem}
.related a{display:block;border:1px solid var(--line);border-radius:12px;padding:.85rem;text-decoration:none;font-weight:750}
.site-footer{background:#102a43;color:#d7e6ef;padding:3rem 0 6rem}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:2rem}
.site-footer a{color:#fff}.site-footer h3{color:#fff;margin-top:0}.footer-note{font-size:.85rem;color:#b9cad6}
.mobile-sticky{display:none}.hub-hero{padding:3.7rem 0 2.2rem;background:#f5fbf9;border-bottom:1px solid #e3eeeb}
.notice{background:var(--warm);border:1px solid #f1d59a;padding:1rem 1.1rem;border-radius:14px;margin:1.3rem 0}
table{width:100%;border-collapse:collapse;margin:1.4rem 0;font-size:.95rem}th,td{border:1px solid var(--line);padding:.7rem;text-align:left;vertical-align:top}th{background:#f6f9fb}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px}
@media(max-width:900px){
  .primary-nav{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;border-bottom:1px solid var(--line);padding:1rem;flex-direction:column;align-items:stretch}
  .primary-nav.open{display:flex}.header-cta{display:none}.menu-toggle{display:block}
  .hero-grid,.content-layout,.footer-grid{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.sidebar{display:none}
  .mobile-sticky{display:flex;position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--line);padding:.55rem .8rem;z-index:60}
  .mobile-sticky .btn{width:100%}.site-footer{padding-bottom:6rem}
}
@media(max-width:620px){.cards,.related-grid{grid-template-columns:1fr}.hero{padding-top:3.2rem}h1{font-size:2.65rem}}