:root{--ink:#10233a;--muted:#5b6b7f;--line:#dbe5ef;--bg:#f6f9fc;--card:#fff;--blue:#1769e0;--blue2:#0d4fa8;--teal:#0f8b8d;--warm:#fff7e8;--max:1180px}
*{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:white;line-height:1.65}
a{color:var(--blue2);text-decoration-thickness:1px;text-underline-offset:2px}a:hover{text-decoration-thickness:2px}
.wrap{max-width:var(--max);margin:auto;padding:0 22px}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-row{height:72px;display:flex;align-items:center;gap:22px}.brand{display:flex;align-items:center;gap:10px;font-weight:850;color:var(--ink);text-decoration:none;font-size:1.15rem}.brand-mark{width:34px;height:34px}
.nav{display:flex;gap:18px;align-items:center;margin-left:auto}.nav a{font-size:.92rem;font-weight:650;color:#284057;text-decoration:none}.nav a:hover{color:var(--blue)}
.header-cta{margin-left:8px}.button{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:white!important;text-decoration:none!important;border-radius:10px;padding:11px 16px;font-weight:800;border:1px solid var(--blue);box-shadow:0 6px 16px rgba(23,105,224,.14)}.button:hover{background:var(--blue2)}
.menu-btn{display:none;margin-left:auto;background:white;border:1px solid var(--line);border-radius:9px;padding:8px 10px;font-weight:800}
.hero{background:linear-gradient(135deg,#eef5ff 0,#f7fbff 55%,#eefaf8 100%);border-bottom:1px solid var(--line);padding:72px 0}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:50px;align-items:center}.hero h1{font-size:clamp(2.3rem,5vw,4.4rem);line-height:1.02;letter-spacing:-.045em;margin:0 0 18px}.hero p{font-size:1.16rem;color:var(--muted);max-width:760px}.eyebrow{text-transform:uppercase;letter-spacing:.09em;font-size:.73rem;font-weight:850;color:var(--teal)}.hero-panel{background:white;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 18px 50px rgba(16,35,58,.08)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:16px;padding:22px;background:white}.card h3{margin:4px 0 8px;line-height:1.25}.card p{color:var(--muted);font-size:.95rem}.card a.more{font-weight:800;text-decoration:none}
.section{padding:58px 0}.section.alt{background:var(--bg)}.section h2{font-size:2rem;letter-spacing:-.03em;margin:0 0 12px}.section-lead{color:var(--muted);max-width:760px}
.breadcrumbs{font-size:.87rem;color:var(--muted);padding:18px 0}.breadcrumbs a{text-decoration:none}
.article-shell{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:42px;align-items:start}.article{min-width:0}.article h1{font-size:clamp(2.1rem,4vw,3.5rem);line-height:1.08;letter-spacing:-.035em;margin:10px 0 12px}.dek{font-size:1.15rem;color:var(--muted);max-width:760px}.article h2{font-size:1.65rem;letter-spacing:-.02em;margin-top:2.2em}.article h3{margin-top:1.6em}.article p,.article li{font-size:1.03rem}.article table{width:100%;border-collapse:collapse;margin:24px 0;display:block;overflow:auto}.article th,.article td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top;min-width:180px}.article th{background:var(--bg)}.quick-answer{border-left:4px solid var(--teal);background:#eefaf8;padding:16px 18px;margin:24px 0;border-radius:0 10px 10px 0}.checklist li{margin:.6em 0}.steps li{margin:.75em 0}.source-note{font-size:.9rem!important;color:var(--muted)}
.sidebar{position:sticky;top:94px;display:grid;gap:16px}.sidebar-card{border:1px solid var(--line);border-radius:16px;padding:20px;background:white}.sidebar-card.affiliate{background:linear-gradient(180deg,#f3f8ff,#fff)}.sidebar-card h3{margin:4px 0 8px}.sidebar-card p{color:var(--muted);font-size:.93rem}.sidebar-card ul{padding-left:18px}.sidebar-card li{margin:.55em 0}.wide{width:100%}.sidebar small{display:block;color:var(--muted);margin-top:9px;line-height:1.4}
.offer-card{display:flex;align-items:center;justify-content:space-between;gap:24px;background:var(--ink);color:white;border-radius:16px;padding:24px;margin:34px 0}.offer-card.soft{background:#eef5ff;color:var(--ink);border:1px solid #cfe0f7}.offer-card h3{margin:2px 0 5px}.offer-card p{margin:0;color:inherit;opacity:.86}.offer-card .button{flex:none}
.related-list{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:12px}.related-list li{border:1px solid var(--line);border-radius:12px;padding:14px}.related-list a{display:block;font-weight:800;text-decoration:none}.related-list span{display:block;color:var(--muted);font-size:.9rem;margin-top:4px}
.hub-list{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.hub-item{border:1px solid var(--line);padding:18px;border-radius:14px}.hub-item a{font-weight:850;text-decoration:none;font-size:1.06rem}.hub-item p{color:var(--muted);margin:6px 0 0;font-size:.94rem}
.footer{background:#0b1c2e;color:#dbe5ef;padding:48px 0 90px;margin-top:64px}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:32px}.footer a{color:#dbe5ef}.footer h3{color:white}.footer small{color:#9fb0c2}.disclosure{max-width:780px;color:#b8c7d6;font-size:.88rem}
.mobile-sticky{display:none}
.note{background:var(--warm);border:1px solid #f0d59c;border-radius:12px;padding:15px 17px}
@media(max-width:900px){.nav{display:none;position:absolute;left:0;right:0;top:72px;background:white;border-bottom:1px solid var(--line);padding:16px 22px;flex-direction:column;align-items:flex-start}.nav.open{display:flex}.menu-btn{display:block}.header-cta{display:none}.hero-grid,.article-shell{grid-template-columns:1fr}.hero-panel{display:none}.sidebar{position:static}.sidebar .affiliate{display:none}.cards{grid-template-columns:1fr 1fr}.hub-list{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.mobile-sticky{display:block;position:fixed;z-index:60;bottom:0;left:0;right:0;background:white;border-top:1px solid var(--line);padding:9px 14px}.mobile-sticky .button{width:100%}.footer{padding-bottom:115px}}
@media(max-width:600px){.cards{grid-template-columns:1fr}.related-list{grid-template-columns:1fr}.offer-card{display:block}.offer-card .button{margin-top:15px;width:100%}.hero{padding:52px 0}.section{padding:42px 0}}