:root{
  --ink:#17324d;--ink2:#29485f;--muted:#647586;--paper:#fbfaf6;--card:#fff;
  --accent:#e87545;--accent-dark:#c8582e;--mint:#e3f2ed;--line:#dbe3e8;--max:1180px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:#263746;font:17px/1.72 system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif}
a{color:#155d78}.wrap{max-width:var(--max);margin:auto;padding:0 22px}
.top{background:#17324d;color:white;position:sticky;top:0;z-index:40;box-shadow:0 8px 22px #10283d18}.top .wrap{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:18px}
.brand{font-weight:850;font-size:22px;color:white;text-decoration:none;white-space:nowrap}.nav{display:flex;align-items:center;gap:18px}.nav a{color:white;text-decoration:none;font-size:14px}
.header-cta{background:var(--accent);padding:10px 14px;border-radius:8px;font-weight:800;color:#fff!important}
.hero{padding:72px 0 52px;background:linear-gradient(135deg,#eef7f3,#fff7ee)}
h1{font-size:clamp(38px,6vw,68px);line-height:1.02;letter-spacing:-2px;color:var(--ink);max-width:920px;margin:0 0 20px}
h2,h3{color:var(--ink);line-height:1.2}h2{font-size:34px;margin-top:50px}h3{font-size:23px}.lead{font-size:21px;max-width:820px}.eyebrow{font-weight:800;color:#b34f29;text-transform:uppercase;letter-spacing:.1em;font-size:13px}
.btn{display:inline-block;background:var(--accent);color:white!important;padding:14px 21px;border-radius:9px;text-decoration:none;font-weight:800;margin:8px 8px 8px 0;border:0}.btn:hover{background:var(--accent-dark)}.btn.secondary{background:var(--ink)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:0 5px 18px #17324d0b}.card h3{margin-top:0}
.main{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:40px;padding:44px 22px}.article{max-width:805px}.article p,.article li{max-width:780px}
.sticky{position:sticky;top:18px}.cta{background:#17324d;color:white;border-radius:16px;padding:24px}.cta h3{color:white}.cta a.btn{display:block;text-align:center;width:100%}.cta small{color:#d9e3ea}
.notice{background:#fff3df;border-left:4px solid #e2a34f;padding:16px 18px;border-radius:6px}.research{background:#edf5f7;border-left:4px solid #4a7c8d;padding:16px 18px;border-radius:6px}.disclosure{font-size:14px;color:var(--muted)}
.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:24px}.toc{background:#f1f6f7;border-radius:12px;padding:18px 22px}
.table{width:100%;border-collapse:collapse}.table th,.table td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}.table th{background:#eef4f5}
.footer{background:#10283d;color:#dbe7ef;padding:44px 0;margin-top:62px}.footer a{color:white}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
.popup{display:none;position:fixed;inset:0;background:#071725cc;z-index:20;align-items:center;justify-content:center;padding:20px}.popup.show{display:flex}.popupbox{max-width:650px;background:#fff;border-radius:20px;padding:30px;position:relative}.x{position:absolute;right:18px;top:12px;border:0;background:none;font-size:28px;cursor:pointer}.pill{display:inline-block;background:var(--mint);padding:5px 10px;border-radius:999px;font-size:13px;font-weight:700}.related{margin-top:50px}.faq details{background:white;border:1px solid var(--line);border-radius:9px;padding:14px 18px;margin:10px 0}.faq summary{font-weight:800;cursor:pointer}.byline{font-size:14px;color:var(--muted);margin-bottom:22px}.inline-offer{background:linear-gradient(135deg,#18344c,#2a536b);color:#fff;border-radius:16px;padding:24px;margin:34px 0}.inline-offer h3{color:white;margin-top:0}
.mobile-buy{display:none;position:fixed;bottom:12px;left:12px;right:12px;z-index:8;text-align:center}
@media(max-width:900px){.grid{grid-template-columns:1fr 1fr}.main{grid-template-columns:1fr}.sticky{position:static}.nav a:not(.header-cta){display:none}.footer-grid{grid-template-columns:1fr}.mobile-buy{display:block}}
@media(max-width:600px){.grid{grid-template-columns:1fr}.top .wrap{padding:0 14px}.brand{font-size:18px}.header-cta{font-size:12px;padding:9px 10px}.hero{padding-top:46px}h1{letter-spacing:-1px}.popupbox{max-height:90vh;overflow:auto}}