:root{
 --ink:#102033;--muted:#5e6b78;--paper:#fbfaf7;--white:#fff;--line:#dde4e8;
 --navy:#102033;--accent:#ff6a3d;--accent2:#ffb13b;--teal:#148c86;--soft:#f2f6f5;
 --max:1180px;--radius:18px;--shadow:0 16px 40px rgba(16,32,51,.08)
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.68}
a{color:#0b6f75;text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:#084e52}
img{max-width:100%;height:auto}
.wrap{max-width:var(--max);margin:auto;padding:0 22px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(251,250,247,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.header-row{height:74px;display:flex;align-items:center;gap:24px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink);font-weight:850;letter-spacing:-.03em;font-size:1.16rem;white-space:nowrap}
.brandmark{width:34px;height:34px;border-radius:11px;background:linear-gradient(145deg,var(--accent),var(--accent2));display:grid;place-items:center;color:#fff;font-weight:900;box-shadow:0 6px 18px rgba(255,106,61,.25)}
nav{display:flex;gap:19px;align-items:center;flex:1}
nav a{text-decoration:none;color:#364656;font-size:.91rem;font-weight:700}
.header-cta,.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:11px 17px;font-weight:800;text-decoration:none;border:1px solid transparent;line-height:1.2}
.header-cta,.btn-primary{background:var(--accent);color:#fff;box-shadow:0 8px 22px rgba(255,106,61,.22)}
.header-cta:hover,.btn-primary:hover{background:#e9552c;color:#fff}
.btn-secondary{background:#fff;border-color:var(--line);color:var(--ink)}
.menu-btn{display:none;border:0;background:transparent;font-size:1.4rem}
.affiliate-strip{font-size:.78rem;text-align:center;background:#102033;color:#eaf0f3;padding:6px 14px}
.affiliate-strip a{color:#fff}
.hero{padding:76px 0 58px;background:radial-gradient(circle at 82% 15%,#ffe4c8 0,transparent 26%),radial-gradient(circle at 8% 80%,#d8efeb 0,transparent 24%)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(280px,.75fr);gap:48px;align-items:center}
.eyebrow{display:inline-block;font-size:.76rem;font-weight:900;text-transform:uppercase;letter-spacing:.13em;color:var(--teal);margin-bottom:11px}
h1,h2,h3{line-height:1.12;letter-spacing:-.035em;margin:0 0 16px}
h1{font-size:clamp(2.5rem,5vw,5rem);max-width:900px}
h2{font-size:clamp(1.55rem,3vw,2.35rem);margin-top:38px}
h3{font-size:1.18rem;margin-top:26px}
.lead{font-size:1.18rem;color:#445462;max-width:780px}
.hero-card,.card,.sidebar-box,.cta-box{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.hero-card{padding:28px}
.hero-card .mini{font-size:.84rem;color:var(--muted)}
.hero-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
.section{padding:58px 0}
.section.alt{background:#f1f5f3}
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.card{padding:24px}
.card h3{margin-top:0}
.card p{color:var(--muted)}
.card .tag{font-size:.72rem;font-weight:850;text-transform:uppercase;letter-spacing:.08em;color:var(--teal)}
.article-wrap{display:grid;grid-template-columns:minmax(0,760px) minmax(250px,320px);gap:52px;align-items:start;padding-top:42px;padding-bottom:72px}
.article h1{font-size:clamp(2.25rem,5vw,4rem)}
.breadcrumbs{font-size:.82rem;color:var(--muted);margin-bottom:24px}
.breadcrumbs a{color:inherit}
.meta{display:flex;gap:10px;flex-wrap:wrap;color:var(--muted);font-size:.84rem;margin:14px 0 25px}
.article-body{font-family:Georgia,"Times New Roman",serif;font-size:1.07rem}
.article-body p{margin:0 0 1.15em}
.article-body h2,.article-body h3{font-family:Inter,ui-sans-serif,system-ui,sans-serif}
.article-body ul{padding-left:22px}
.takeaway{border-left:4px solid var(--teal);background:#eaf5f3;padding:18px 20px;border-radius:0 14px 14px 0;margin:28px 0;font-family:Inter,ui-sans-serif,system-ui,sans-serif}
.sidebar{position:sticky;top:102px}
.sidebar-box{padding:22px;margin-bottom:16px}
.sidebar-box h3{margin-top:0}
.sidebar-box p{font-size:.9rem;color:var(--muted)}
.sidebar .btn{width:100%;text-align:center}
.cta-box{padding:25px;margin:34px 0;background:linear-gradient(135deg,#102033,#183c4b);color:#fff;font-family:Inter,ui-sans-serif,system-ui,sans-serif}
.cta-box h2{margin-top:0;color:#fff}
.cta-box p{color:#dce7ea}
.cta-box .btn{background:var(--accent);color:#fff}
.related{border-top:1px solid var(--line);margin-top:42px;padding-top:28px}
.related-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.related a{display:block;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px;text-decoration:none;font-family:Inter,ui-sans-serif,system-ui,sans-serif;font-weight:750;color:var(--ink)}
.hub-head{padding:54px 0 34px}
.page-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}
.page-list .card{box-shadow:none}
.disclosure{font-size:.82rem;color:var(--muted);border-top:1px solid var(--line);padding-top:15px;margin-top:28px}
footer{background:#102033;color:#cbd7dd;padding:50px 0 90px}
footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px}
.footer-links{display:flex;gap:12px;flex-wrap:wrap}
.mobile-cta{display:none}
.notice{padding:14px 16px;border-radius:14px;background:#fff7e8;border:1px solid #efd5a8;margin:22px 0;font-size:.92rem}
.checklist{list-style:none;padding-left:0}
.checklist li{padding:8px 0 8px 28px;position:relative}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--teal);font-weight:900}
@media(max-width:900px){
 nav{display:none;position:absolute;top:74px;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--line);padding:18px 22px;flex-direction:column;align-items:flex-start}
 nav.open{display:flex}.menu-btn{display:block;margin-left:auto}.header-cta{display:none}
 .hero-grid,.article-wrap,.footer-grid{grid-template-columns:1fr}.grid{grid-template-columns:1fr 1fr}.sidebar{position:static}
 .article-wrap{gap:18px}.sidebar-box{display:none}.related-links{grid-template-columns:1fr}
 .mobile-cta{display:block;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:9px 14px}
 .mobile-cta .btn{width:100%}
}
@media(max-width:600px){.grid,.page-list{grid-template-columns:1fr}.hero{padding-top:48px}h1{font-size:2.55rem}}