:root{--ink:#122238;--muted:#5d6c7c;--line:#dbe4ed;--bg:#f6f9fc;--card:#fff;--orange:#ff6b35;--navy:#173f67;--soft:#fff3ed;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);line-height:1.68;background:#fff}
a{color:var(--navy);text-underline-offset:3px}.wrap{max-width:var(--max);margin:auto;padding:0 22px}
.top{border-bottom:1px solid var(--line);background:rgba(255,255,255,.97);position:sticky;top:0;z-index:50;backdrop-filter:blur(8px)}
.nav{min-height:70px;display:flex;align-items:center;gap:24px}.brand{font-size:1.28rem;font-weight:900;text-decoration:none;color:var(--ink);letter-spacing:-.04em;white-space:nowrap}.brand b{color:var(--orange)}
.navlinks{display:flex;gap:18px;margin-left:auto;align-items:center}.navlinks a{text-decoration:none;color:var(--ink);font-size:.9rem;font-weight:700}
.cta,.btn{display:inline-block;background:var(--orange);color:white!important;text-decoration:none;border-radius:9px;padding:10px 16px;font-weight:850;border:0;cursor:pointer;white-space:nowrap}.btn.alt{background:var(--navy)}
.mobile-actions{display:none;margin-left:auto;align-items:center;gap:8px}.hamb{width:42px;height:42px;border:1px solid var(--line);background:white;border-radius:9px;display:grid;place-items:center;padding:0}.hamb span,.hamb span:before,.hamb span:after{display:block;width:19px;height:2px;background:var(--ink);content:"";position:relative}.hamb span:before{position:absolute;top:-6px}.hamb span:after{position:absolute;top:6px}
.mobile-menu{display:none;border-top:1px solid var(--line);padding:12px 22px 18px;background:white}.mobile-menu.open{display:block}.mobile-menu a{display:block;padding:10px 0;text-decoration:none;font-weight:750;color:var(--ink)}
.hero{background:linear-gradient(135deg,#f8fbff,#fff5ef);padding:74px 0 62px;border-bottom:1px solid var(--line)}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.73rem;font-weight:900;color:var(--orange)}
h1,h2,h3{line-height:1.15;letter-spacing:-.035em}h1{font-size:clamp(2.3rem,5vw,4.25rem);max-width:930px;margin:.28em 0}.lede{font-size:1.17rem;color:var(--muted);max-width:790px}
.actions{display:flex;gap:11px;flex-wrap:wrap;margin-top:25px}.section{padding:55px 0}.section h2{font-size:2rem;margin:0 0 10px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:27px}.card{border:1px solid var(--line);border-radius:14px;padding:23px;background:white;box-shadow:0 7px 22px rgba(18,34,56,.04)}.card h3{margin:0 0 8px;font-size:1.16rem}.card p{color:var(--muted);margin:.35em 0 1em}
.article{display:grid;grid-template-columns:minmax(0,770px) 300px;gap:46px;padding:50px 22px;max-width:var(--max);margin:auto}.article h1{font-size:clamp(2.2rem,4vw,3.55rem)}.article h2{font-size:1.65rem;margin-top:2.1em}.article h3{margin-top:1.6em}.article p,.article li{font-size:1.02rem}.side{align-self:start}.side .card{background:var(--bg)}
.breadcrumb{font-size:.86rem;color:var(--muted);margin-bottom:20px}.breadcrumb a{color:var(--muted)}.disclosure{font-size:.88rem;color:var(--muted);background:var(--bg);padding:12px 15px;border-radius:9px}.note{border-left:4px solid var(--orange);background:var(--soft);padding:15px 18px;border-radius:0 9px 9px 0}
table{border-collapse:collapse;width:100%;margin:22px 0;font-size:.93rem}th,td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}th{background:var(--bg)}
.footer{border-top:1px solid var(--line);padding:40px 0;color:var(--muted);font-size:.9rem}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.footer a{display:block;margin:5px 0}.kicker{color:var(--muted);max-width:760px}
@media(max-width:860px){.navlinks{display:none}.mobile-actions{display:flex}.nav{gap:8px}.brand{font-size:1.08rem}.mobile-actions .cta{padding:9px 11px;font-size:.84rem}.article{grid-template-columns:1fr}.grid{grid-template-columns:1fr}.hero{padding:50px 0}.section{padding:42px 0}.footergrid{grid-template-columns:1fr}.top{position:sticky}.side{position:static}}
@media(max-width:380px){.brand{font-size:.98rem}.mobile-actions .cta{font-size:.78rem;padding:8px 9px}.hamb{width:39px;height:39px}}

.offer-popup[hidden]{display:none!important}.offer-popup{position:fixed;inset:0;z-index:1000;background:rgba(9,21,36,.58);display:grid;place-items:center;padding:20px}.offer-box{width:min(520px,100%);background:#fff;border-radius:16px;padding:28px;box-shadow:0 24px 70px rgba(0,0,0,.28);position:relative}.offer-box h2{margin:.15em 0 .35em;font-size:1.65rem}.offer-box p{color:var(--muted)}.offer-close{position:absolute;right:13px;top:10px;border:0;background:transparent;font-size:1.65rem;cursor:pointer;color:var(--muted)}.offer-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.stay{background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:9px;padding:10px 16px;font-weight:800;cursor:pointer}
@media(max-width:860px){.mobile-actions{margin-left:auto}.hamb{display:none!important}.mobile-menu{display:none!important}.mobile-actions{gap:0}.mobile-actions .cta{font-size:.9rem;padding:10px 14px}.brand{margin-right:8px}.offer-box{padding:25px 20px}}

.desktop-menu{display:flex;align-items:center;gap:5px;margin-left:auto}.menu-group{position:relative}.menu-label{display:block;padding:24px 9px;text-decoration:none!important;color:var(--ink)!important;font-size:.88rem;font-weight:750}.mega{display:none;position:absolute;top:64px;left:0;width:330px;background:#fff;border:1px solid var(--line);border-radius:0 0 13px 13px;padding:17px;box-shadow:0 18px 40px rgba(18,34,56,.13);z-index:90}.menu-group:hover .mega,.menu-group:focus-within .mega{display:block}.mega strong{display:block;font-size:.82rem;color:var(--muted);margin-bottom:8px}.mega a{display:block!important;padding:7px 5px!important;text-decoration:none;color:var(--ink);font-weight:700;font-size:.88rem}.mega a:hover{background:var(--bg);border-radius:6px}.mega .all{margin-top:7px;color:var(--orange)}
.meta-row{display:flex;gap:9px;flex-wrap:wrap;margin:14px 0 20px}.meta-chip{font-size:.78rem;font-weight:750;background:var(--bg);border:1px solid var(--line);padding:5px 9px;border-radius:99px;color:var(--muted)}.takeaways{background:var(--bg);border:1px solid var(--line);border-radius:13px;padding:19px 22px;margin:23px 0}.takeaways strong{display:block;margin-bottom:7px}.toc{border:1px solid var(--line);border-radius:12px;padding:18px 21px;margin:24px 0}.toc strong{display:block;margin-bottom:8px}.toc a{display:block;margin:5px 0}.cluster-strip{border:1px solid var(--line);border-radius:13px;padding:18px;margin:24px 0}.cluster-links{display:flex;gap:7px;flex-wrap:wrap}.cluster-links a{background:var(--bg);border-radius:7px;padding:7px 10px;text-decoration:none;font-size:.84rem;font-weight:750}.faq{margin-top:38px}.faq details{border-top:1px solid var(--line);padding:14px 0}.faq summary{font-weight:800;cursor:pointer}.fresh{font-size:.9rem;color:var(--muted);border-left:3px solid var(--navy);padding-left:12px}.hub-list{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.hub-group{border:1px solid var(--line);border-radius:14px;padding:22px}.hub-group a{display:block;margin:7px 0}.next-box{background:linear-gradient(135deg,#f6f9fc,#fff3ed);border:1px solid var(--line);border-radius:14px;padding:22px;margin-top:35px}
@media(max-width:860px){.desktop-menu{display:none}.hub-list{grid-template-columns:1fr}}