:root{--ink:#10243e;--muted:#637083;--bg:#f6f8fc;--card:#fff;--accent:#3157d5;--accent2:#eaf0ff;--line:#dce3ed;--dark:#0d1d31}
*{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:var(--accent)}
header{background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20;backdrop-filter:blur(8px)}.nav{max-width:1180px;margin:auto;display:flex;align-items:center;gap:20px;padding:13px 20px}.logo{font-size:1.22rem;font-weight:900;color:var(--ink);text-decoration:none;letter-spacing:-.02em}.logo span{color:var(--accent)}nav{display:flex;gap:16px;margin-left:auto;align-items:center}nav a{text-decoration:none;color:var(--ink);font-size:.92rem}.header-cta{background:var(--accent);color:white!important;padding:9px 13px;border-radius:9px;font-weight:800}
.wrap{max-width:1180px;margin:auto;padding:0 20px}.hero{padding:76px 0 52px;background:linear-gradient(180deg,#fff,#f1f5ff)}.hero h1,.article h1{font-size:clamp(2.35rem,5.5vw,4.7rem);line-height:1.04;letter-spacing:-.05em;margin:0 0 18px}.hero p,.lede{font-size:1.16rem;color:var(--muted);max-width:800px}.eyebrow{text-transform:uppercase;letter-spacing:.11em;font-size:.75rem;font-weight:900;color:var(--accent)}
.btn{display:inline-block;background:var(--accent);color:#fff!important;text-decoration:none;font-weight:800;padding:12px 18px;border-radius:10px;margin:8px 8px 8px 0}.btn.secondary{background:#fff;color:var(--accent)!important;border:1px solid var(--line)}
main{padding:42px 0 76px}.layout{display:grid;grid-template-columns:minmax(0,790px) 300px;gap:46px;align-items:start}.article h2{margin-top:40px;font-size:1.62rem;line-height:1.25}.article h3{margin-top:28px}.crumb{font-size:.88rem;color:var(--muted);margin-bottom:22px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px;margin:24px 0}.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:21px}.card h3{margin:0 0 8px}.card a{text-decoration:none}.callout{background:var(--accent2);border:1px solid #ccd7ff;border-radius:16px;padding:23px;margin:30px 0}.callout h2,.callout h3{margin-top:0}
.sidebar{position:sticky;top:82px}.sidebox{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;margin-bottom:16px}.sidebox h3{margin-top:0}.sidebox ul{padding-left:18px}.sidebox .btn{display:block;text-align:center;margin:12px 0 0}
table{width:100%;border-collapse:collapse;margin:24px 0;background:#fff}th,td{border:1px solid var(--line);padding:11px;text-align:left;vertical-align:top}th{background:#f0f3f8}
.note,.disclosure{font-size:.88rem;color:var(--muted)}.disclosure{border-top:1px solid var(--line);padding-top:16px;margin-top:36px}
footer{background:var(--dark);color:#dce5ef;padding:40px 0}footer a{color:#fff}
@media(max-width:900px){nav a:not(.header-cta){display:none}.layout{grid-template-columns:1fr}.sidebar{position:static}.grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.grid{grid-template-columns:1fr}.hero{padding-top:48px}.header-cta{font-size:.82rem;padding:8px 10px}.logo{font-size:1.05rem}.nav{gap:10px}}