:root{
  --ink:#0b1220;--muted:#5d6678;--line:#dfe5ec;--bg:#f6f8fb;--card:#fff;
  --nav:#0c1728;--blue:#1769d2;--green:#24b36b;--green-ink:#052817;
  --soft:#edf4ff;--warn:#fff8e8;--warn-line:#ecd17e;--focus:#ffbf47;
}
*{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(--bg);line-height:1.7}
a{color:var(--blue);text-decoration-thickness:.08em;text-underline-offset:.14em}
a:hover{text-decoration-thickness:.13em}
a:focus-visible,button:focus-visible{outline:3px solid var(--focus);outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px;top:auto}.skip:focus{left:14px;top:12px;background:#fff;color:#000;padding:10px 14px;z-index:1000}
.wrap{max-width:1180px;margin:auto;padding:0 22px}
header{background:var(--nav);color:#fff;position:sticky;top:0;z-index:40;box-shadow:0 2px 18px rgba(0,0,0,.15)}
.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo{font-weight:900;font-size:1.15rem;color:#fff;text-decoration:none;letter-spacing:-.025em;white-space:nowrap}
.logo span{color:#70e8aa}
.navlinks{display:flex;align-items:center;gap:17px;flex-wrap:wrap}
.navlinks a{color:#d8e2ef;text-decoration:none;font-size:.93rem}
.navlinks a:hover{text-decoration:underline}
.nav-cta{display:inline-block;background:var(--green);color:var(--green-ink)!important;font-weight:850;padding:10px 14px;border-radius:9px}
.hero{padding:72px 0 54px;background:linear-gradient(180deg,#fff 0,#f6f8fb 100%)}
.hero h1{font-size:clamp(2.2rem,5vw,4.45rem);line-height:1.03;letter-spacing:-.052em;max-width:900px;margin:.12em 0 .35em}
.lead{font-size:1.2rem;color:var(--muted);max-width:820px}
.eyebrow{font-weight:850;text-transform:uppercase;letter-spacing:.12em;font-size:.75rem;color:var(--blue)}
.section{padding:44px 0}
.section h2{font-size:2rem;letter-spacing:-.035em;margin-top:0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 8px 30px rgba(16,37,66,.045)}
.card h3{margin-top:0;line-height:1.2}
.content-layout{display:grid;grid-template-columns:minmax(0,830px) 290px;gap:28px;align-items:start}
.article{background:#fff;padding:44px;border:1px solid var(--line);border-radius:20px}
.article h1{font-size:clamp(2rem,5vw,3.55rem);line-height:1.08;letter-spacing:-.045em;margin:.2em 0 .42em}
.article h2{font-size:1.72rem;line-height:1.2;margin-top:2.05em}
.article h3{margin-top:1.55em;line-height:1.25}
.article p,.article li{color:#293345}
.article ul,.article ol{padding-left:1.35rem}
.meta{font-size:.9rem;color:var(--muted);margin-bottom:22px}
.disclosure{font-size:.88rem;color:var(--muted);border-left:3px solid var(--green);padding-left:12px}
.note{background:var(--warn);border:1px solid var(--warn-line);border-radius:14px;padding:18px;margin:24px 0}
.cta{background:var(--nav);color:white;border-radius:18px;padding:26px;margin:32px 0}
.cta h2,.cta h3{margin-top:0;color:#fff}.cta p{color:#d6dfeb}
.btn{display:inline-block;background:var(--green);color:var(--green-ink)!important;font-weight:850;padding:12px 18px;border-radius:10px;text-decoration:none!important;margin-top:4px}
.btn.secondary{background:var(--soft);color:#0a4a9e!important}
.breadcrumb{font-size:.88rem;color:var(--muted);margin-bottom:20px}.breadcrumb a{color:var(--muted)}
table{width:100%;border-collapse:collapse;margin:25px 0;font-size:.94rem}
th,td{border-bottom:1px solid var(--line);padding:13px 10px;text-align:left;vertical-align:top}
th{background:#f5f8fc}
.sidebar{position:sticky;top:96px}
.sidebox{background:#fff;border:1px solid var(--line);border-radius:16px;padding:19px;margin-bottom:18px}
.sidebox h2{font-size:1.08rem;margin:0 0 10px;letter-spacing:-.015em}
.sidebox p,.sidebox li{font-size:.92rem;color:#405066}
.sidebox ul{margin:8px 0 0;padding-left:18px}
.sidebar .side-cta{background:var(--nav);color:#fff}
.sidebar .side-cta p{color:#dbe6f3}
.sidebar .side-cta a.btn{width:100%;text-align:center}
.kicker{font-size:1.05rem;font-weight:700;color:#182538}
.related{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:16px}
.related a{background:#f7f9fc;border:1px solid var(--line);border-radius:12px;padding:14px;text-decoration:none;font-weight:700}
.related a:hover{background:#eef4fb}
footer{background:var(--nav);color:#b8c6d8;margin-top:55px;padding:42px 0}
footer a{color:#dbe8f7}
footer .footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
small{font-size:.83rem}
@media(max-width:980px){
  .content-layout{grid-template-columns:1fr}.sidebar{position:static;display:grid;grid-template-columns:1fr 1fr;gap:16px}.sidebar .sidebox{margin:0}
}
@media(max-width:820px){
  .grid,.related,.sidebar,footer .footgrid{grid-template-columns:1fr}
  .navlinks a:not(.nav-cta){display:none}
  .article{padding:26px 20px;border-radius:0;border-left:0;border-right:0}
  .hero{padding-top:48px}
}