:root{--navy:#071a33;--navy2:#0b2f5c;--blue:#0a67d1;--sky:#eaf5ff;--gold:#f5b942;--ink:#142033;--muted:#667085;--line:#dce6ef;--white:#fff;--green:#16794c;--bg:#f7fafc}
*{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:1.68}
a{color:#075ebd;text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}
header{background:var(--navy);color:#fff;box-shadow:0 2px 14px #0002;position:sticky;top:0;z-index:1000}.wrap{max-width:1180px;margin:auto;padding:0 22px}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}.brand{font-size:1.34rem;font-weight:900;color:#fff;text-decoration:none;white-space:nowrap}.brand span{color:#79beff}
nav{display:flex;align-items:center;gap:19px;flex-wrap:wrap}nav>a{color:#e8f3ff;text-decoration:none;font-size:.93rem;font-weight:700}.navcta{background:var(--gold)!important;color:#17202b!important;padding:10px 14px;border-radius:8px}
.hero{background:linear-gradient(135deg,var(--navy),#0b559f);color:#fff;padding:74px 0 66px}.hero h1{font-size:clamp(2.45rem,6vw,4.9rem);line-height:1.01;margin:.08em 0 .24em;letter-spacing:-.045em;max-width:950px}.hero p{font-size:1.18rem;max-width:770px;color:#dcecff}
.kicker{text-transform:uppercase;letter-spacing:.12em;font-size:.77rem;font-weight:900;color:#80c3ff}
.btn{display:inline-block;background:var(--gold);color:#18212b!important;padding:13px 18px;border-radius:9px;text-decoration:none;font-weight:900;margin:7px 7px 7px 0}.btn.secondary{background:#fff;color:#075ebd!important}.btn.blue{background:var(--blue);color:#fff!important}
main{padding:44px 0}.layout{display:grid;grid-template-columns:minmax(0,820px) 280px;gap:34px;align-items:start}.article h1{font-size:clamp(2.2rem,5vw,3.65rem);line-height:1.07;letter-spacing:-.035em;margin:.28em 0}.article h2{font-size:1.55rem;line-height:1.25;margin-top:2.15em}.article h3{font-size:1.14rem;margin-top:1.7em}.lede{font-size:1.16rem;color:#475467}.meta,.small{font-size:.88rem;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:0 8px 28px #0b1f3a0a}.card h2,.card h3{margin-top:0;line-height:1.22}.card p{color:#475467}
.note{background:var(--sky);border-left:4px solid var(--blue);padding:16px 18px;border-radius:8px;margin:23px 0}.warning{background:#fff7e2;border-left-color:#c98700}.disclosure{background:#eef9f3;border:1px solid #bde3ce;border-radius:12px;padding:18px;margin:25px 0}.disclosure strong{color:var(--green)}
.sidebar{position:sticky;top:22px}.sidebox{background:#fff;border:1px solid var(--line);border-radius:14px;padding:19px;margin-bottom:17px;box-shadow:0 8px 25px #0b1f3a0a}.sidebox h3{margin:0 0 7px}.sidebox .btn{width:100%;text-align:center;margin:8px 0}.sidebox ul{padding-left:18px;margin-bottom:0}.sidebox li{margin:.45em 0}
.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:19px}.pill{display:inline-block;background:#e9f4ff;color:#075ebd;padding:5px 9px;border-radius:99px;font-size:.77rem;font-weight:900}
table{width:100%;border-collapse:collapse;background:#fff;margin:22px 0}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{background:#eef5fb}
footer{background:#061426;color:#cbd7e6;padding:45px 0;margin-top:52px}footer a{color:#e0efff}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
hr{border:0;border-top:1px solid var(--line);margin:34px 0}.refs{font-size:.9rem;color:#475467}.refs li{margin:.45em 0}
@media(max-width:900px){.layout{grid-template-columns:1fr}.sidebar{position:static}.grid,.footergrid{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column;padding:15px 0}nav{gap:12px}.hero{padding:50px 0}.navcta{display:inline-block}}