:root{
  --navy:#103f70; --blue:#2589df; --sky:#eaf5ff; --orange:#ff7a2f; --ink:#17324d;
  --muted:#60758a; --line:#dbe6ef; --paper:#ffffff; --soft:#f6f9fc; --green:#137a62;
  --shadow:0 14px 42px rgba(18,61,98,.12); --radius:18px; --max:1160px;
}
*{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:1.65}
a{color:var(--navy)} img{max-width:100%}.wrap{width:min(var(--max),92%);margin:auto}
.skip{position:absolute;left:-9999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.7rem 1rem;z-index:9999}
.topbar{background:var(--navy);color:white;font-size:.88rem;text-align:center;padding:.55rem}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{min-height:76px;display:flex;align-items:center;gap:22px}.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:850;color:var(--navy);white-space:nowrap}.logo-mark{width:40px;height:40px;border-radius:50%;border:3px solid var(--blue);display:grid;place-items:center;position:relative}.logo-mark:after{content:"";width:8px;height:8px;background:var(--orange);border-radius:50%;position:absolute;right:-3px;top:4px}
.navlinks{display:flex;gap:6px;align-items:center;margin-left:auto}.navlinks a{padding:.6rem .72rem;text-decoration:none;color:var(--ink);font-weight:650;border-radius:10px}.navlinks a:hover{background:var(--soft)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;background:var(--orange);color:#fff!important;text-decoration:none;font-weight:800;padding:.82rem 1.05rem;border-radius:11px;border:0;box-shadow:0 7px 16px rgba(255,122,47,.2);cursor:pointer}.btn:hover{filter:brightness(.96);transform:translateY(-1px)}.btn.secondary{background:var(--navy)}.btn.ghost{background:#fff;color:var(--navy)!important;border:1px solid var(--line);box-shadow:none}
.menu{display:none;margin-left:auto;border:0;background:transparent;font-size:1.6rem;color:var(--navy)}
.hero{padding:74px 0 54px;background:linear-gradient(135deg,#f7fbff 0%,#edf6ff 55%,#fff5ef 100%);border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:46px;align-items:center}
.eyebrow{font-weight:850;color:var(--blue);letter-spacing:.08em;text-transform:uppercase;font-size:.78rem}.hero h1,.article h1{font-size:clamp(2.2rem,5vw,4rem);line-height:1.05;margin:.25rem 0 1rem;color:#0b355d;letter-spacing:-.035em}.hero p.lead,.article .lead{font-size:1.18rem;color:#435e77;max-width:760px}
.hero-card,.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}.metric{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.metric div{padding:14px;background:var(--soft);border-radius:12px}.metric strong{display:block;font-size:1.25rem;color:var(--navy)}
.section{padding:64px 0}.section.alt{background:var(--soft)}.section h2,.article h2{font-size:clamp(1.55rem,3vw,2.25rem);line-height:1.2;color:#0b355d;margin-top:2.2rem}.section h3,.article h3{color:#164f80}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.card h3{margin-top:0}.kicker{font-size:.8rem;color:var(--green);font-weight:800;text-transform:uppercase;letter-spacing:.06em}
.notice{border-left:4px solid var(--orange);background:#fff7f1;padding:16px 18px;border-radius:0 12px 12px 0}.trust{display:flex;gap:16px;flex-wrap:wrap;margin:1.3rem 0}.pill{background:white;border:1px solid var(--line);border-radius:99px;padding:.48rem .75rem;font-size:.9rem;font-weight:700}
.breadcrumb{font-size:.9rem;color:var(--muted);margin-bottom:1rem}.breadcrumb a{text-decoration:none}
.article{padding:50px 0}.article-grid{display:grid;grid-template-columns:minmax(0,780px) 300px;gap:46px;align-items:start}.article-main{min-width:0}.toc{position:sticky;top:100px;background:var(--soft);border:1px solid var(--line);border-radius:16px;padding:18px}.toc a{display:block;padding:.35rem 0;text-decoration:none}.article p,.article li{font-size:1.02rem}.article table{width:100%;border-collapse:collapse;margin:1.4rem 0;font-size:.94rem}.article th,.article td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}.article th{background:#eef6fc;color:var(--navy)}.article blockquote{margin:1.5rem 0;padding:18px 22px;background:var(--sky);border-left:4px solid var(--blue)}
.callout{margin:2rem 0;padding:24px;border:1px solid #cfe2f3;border-radius:16px;background:linear-gradient(135deg,#eff8ff,#fff8f3)}.callout h3{margin-top:0}.source-list{font-size:.9rem;color:var(--muted)}.source-list a{word-break:break-all}
.compare-strip{overflow:auto}.score-none{font-size:.9rem;color:var(--muted);font-style:italic}
footer{background:#0c3154;color:#dce9f3;padding:48px 0 28px;margin-top:40px}footer a{color:#fff}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.small{font-size:.86rem;color:#6b7f91}.footer-small{font-size:.82rem;color:#b5c8d7;border-top:1px solid rgba(255,255,255,.16);padding-top:20px;margin-top:28px}
.overlay{position:fixed;inset:0;display:none;z-index:1000;background:rgba(5,28,48,.82);align-items:center;justify-content:center;padding:22px}.overlay.show{display:flex}.overlay-card{width:min(740px,96vw);background:#fff;border-radius:24px;padding:34px;box-shadow:0 30px 80px rgba(0,0,0,.28);position:relative}.overlay-card h2{font-size:2rem;line-height:1.15;margin:.2rem 0 .7rem;color:var(--navy)}.close{position:absolute;right:16px;top:12px;background:none;border:0;font-size:1.8rem;cursor:pointer;color:#557}
.hero-art{min-height:370px;border-radius:28px;background:linear-gradient(145deg,var(--navy),var(--blue));position:relative;overflow:hidden;box-shadow:var(--shadow)}.hero-art:before{content:"";position:absolute;width:250px;height:250px;border:26px solid rgba(255,255,255,.12);border-radius:50%;right:-45px;top:-30px}.hero-art:after{content:"✓";position:absolute;display:grid;place-items:center;width:95px;height:95px;border-radius:50%;background:var(--orange);color:white;font-size:3.7rem;font-weight:900;left:46px;bottom:44px;box-shadow:0 12px 30px rgba(0,0,0,.2)}.hero-art .paper{position:absolute;left:90px;top:68px;width:220px;height:210px;border-radius:16px;background:white;transform:rotate(-4deg);padding:26px}.hero-art .line{height:10px;background:#dceaf5;margin:12px 0;border-radius:10px}.hero-art .line.s{width:60%}
.notfound{text-align:center;padding:100px 0}.notfound .big{font-size:7rem;font-weight:900;line-height:1;color:var(--navy)}
@media(max-width:900px){.hero-grid,.article-grid,.grid3,.grid2,.footgrid{grid-template-columns:1fr}.hero{padding-top:44px}.hero-art{min-height:280px}.toc{position:relative;top:auto}.navlinks{display:none;position:absolute;left:0;right:0;top:76px;background:white;padding:15px 4%;border-bottom:1px solid var(--line);box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.navlinks.open{display:flex}.menu{display:block}.nav .btn.header-cta{display:none}.article h1{font-size:2.35rem}}
@media(max-width:520px){.wrap{width:min(94%,var(--max))}.hero h1,.article h1{font-size:2.15rem}.section{padding:46px 0}.overlay-card{padding:28px 22px}.overlay-card h2{font-size:1.6rem}.hero-art .paper{left:45px;top:45px}.metric{grid-template-columns:1fr}}