:root{--ink:#142033;--muted:#5d6a7c;--paper:#fff;--soft:#f3f7fb;--line:#dbe5ef;--accent:#e64b2f;--deep:#153d59;--gold:#f0b44d}
*{box-sizing:border-box}body{margin:0;font:16px/1.65 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--paper)}
a{color:#075985;text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}
.topnote{background:#0f2f46;color:#dceaf3;text-align:center;padding:.45rem 1rem;font-size:.86rem}
header{position:sticky;top:0;z-index:10;background:#fff;border-bottom:1px solid var(--line)}.nav{max-width:1180px;margin:auto;padding:.8rem 1rem;display:flex;align-items:center;gap:1rem}.brand{font-size:1.35rem;font-weight:850;color:var(--deep);text-decoration:none}.brand span{color:var(--accent)}
nav{display:flex;gap:.9rem;flex:1;justify-content:center;flex-wrap:wrap}nav a{text-decoration:none;color:var(--ink);font-size:.92rem}.cta,.btn{display:inline-block;background:var(--accent);color:#fff!important;text-decoration:none;font-weight:800;border-radius:.65rem;padding:.72rem 1rem;box-shadow:0 5px 14px #0001}.btn.secondary{background:var(--deep)}
.hero{background:linear-gradient(135deg,#eef7fb,#fff7ed);padding:4.5rem 1rem}.hero-in{max-width:1080px;margin:auto;display:grid;grid-template-columns:1.25fr .75fr;gap:2rem;align-items:center}.eyebrow{font-weight:800;color:var(--accent);text-transform:uppercase;letter-spacing:.08em;font-size:.8rem}h1{font-size:clamp(2.2rem,5vw,4.4rem);line-height:1.03;margin:.35rem 0 1rem}h2{line-height:1.2;margin-top:2rem}h3{line-height:1.25}.lede{font-size:1.18rem;color:var(--muted);max-width:760px}.formula{background:#fff;border:1px solid var(--line);border-radius:1rem;padding:1.4rem;box-shadow:0 18px 40px #153d5914}.formula b{color:var(--deep)}
.wrap{max-width:1180px;margin:auto;padding:2rem 1rem}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.card{border:1px solid var(--line);border-radius:.9rem;padding:1.2rem;background:#fff}.card p{color:var(--muted)}.pill{display:inline-block;background:var(--soft);border-radius:99px;padding:.2rem .55rem;font-size:.76rem;font-weight:750}
.article-shell{max-width:1180px;margin:auto;padding:1.5rem 1rem;display:grid;grid-template-columns:minmax(0,760px) 300px;gap:2.2rem}.article{min-width:0}.article h1{font-size:clamp(2.2rem,4vw,3.6rem)}.crumb{font-size:.85rem;color:var(--muted);margin-bottom:1.5rem}.article p,.article li{font-size:1.04rem}.article .summary{background:var(--soft);border-left:4px solid var(--accent);padding:1rem 1.2rem;border-radius:.4rem}.sidebar{position:relative}.sidebox{position:sticky;top:90px;border:1px solid var(--line);border-radius:.9rem;padding:1.2rem;background:#fff}.sidebox .btn{width:100%;text-align:center}.disclose{font-size:.82rem;color:var(--muted)}
.commercial{margin:2rem 0;background:#102f45;color:#fff;border-radius:1rem;padding:1.4rem}.commercial a{color:#fff}.commercial .btn{background:var(--gold);color:#17202b!important}
table{width:100%;border-collapse:collapse;margin:1.2rem 0}th,td{padding:.7rem;border:1px solid var(--line);text-align:left}th{background:var(--soft)}
footer{background:#102f45;color:#d9e5ec;margin-top:3rem;padding:2.5rem 1rem}footer .foot{max-width:1180px;margin:auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem}footer a{color:#fff}.mobile-cta{display:none}
@media(max-width:850px){nav{display:none}.nav>.cta{display:none}.hero-in,.grid,.article-shell,footer .foot{grid-template-columns:1fr}.sidebar{display:none}.mobile-cta{display:block;position:fixed;z-index:20;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--line);padding:.65rem}.mobile-cta .btn{display:block;text-align:center}.wrap{padding:1.3rem 1rem}body{padding-bottom:68px}}