:root{--bg:#f7fafc;--surface:#fff;--surface-2:#eef4f8;--text:#10222e;--muted:#52708200;--muted-text:#4e6b7c;--border:#d9e5ec;--brand:#06617a;--brand-dark:#044a5d;--brand-light:#e3f2f7;--accent:#f2761b;--accent-dark:#d4620d;--radius:12px;--max:1120px;--shadow:0 1px 2px #10222e0f, 0 8px 24px #10222e0f}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{background:var(--bg);color:var(--text);-webkit-font-smoothing:antialiased;margin:0;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;font-size:17px;line-height:1.7}img{max-width:100%;height:auto}a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}.narrow{max-width:760px}.site-header{background:var(--brand);color:#fff;z-index:50;position:sticky;top:0;box-shadow:0 2px 10px #044a5d2e}.site-header .wrap{flex-wrap:wrap;align-items:center;gap:18px;min-height:62px;display:flex}.brand{color:#fff;letter-spacing:-.02em;align-items:center;gap:8px;font-size:20px;font-weight:800;display:flex}.brand:hover{opacity:.92;text-decoration:none}.nav{flex-wrap:wrap;align-items:center;gap:16px;margin-left:auto;display:flex}.nav a{color:#dff0f5;font-size:15px;font-weight:500}.nav a:hover,.nav .btn-cta{color:#fff}.btn{text-align:center;cursor:pointer;border:0;border-radius:999px;padding:12px 22px;font-size:16px;font-weight:700;transition:background .15s,transform .15s;display:inline-block}.btn:hover{text-decoration:none;transform:translateY(-1px)}.btn-cta{background:var(--accent);color:#fff}.btn-cta:hover{background:var(--accent-dark);color:#fff}.btn-ghost{color:#fff;background:#ffffff24}.btn-outline{color:var(--brand);border:2px solid var(--brand);background:0 0}.btn-sm{padding:8px 16px;font-size:14px}.btn-block{width:100%;display:block}.hero{color:#fff;background:linear-gradient(160deg,#044a5d 0%,#06617a 45%,#0a86a6 100%);padding:64px 0 56px}.hero h1{letter-spacing:-.02em;margin:0 0 16px;font-size:clamp(30px,5vw,46px);line-height:1.15}.hero p{color:#d7ecf3;max-width:620px;margin:0 0 26px;font-size:19px}.hero-actions{flex-wrap:wrap;gap:12px;display:flex}.hero-stats{flex-wrap:wrap;gap:32px;margin-top:38px;display:flex}.hero-stats div strong{font-size:26px;display:block}.hero-stats div span{color:#b9dbe6;font-size:14px}section.block{padding:52px 0}section.block.alt{background:var(--surface-2)}h2.section-title{letter-spacing:-.02em;margin:0 0 8px;font-size:28px}p.section-sub{color:var(--muted-text);margin:0 0 28px}.grid{gap:18px;display:grid}.grid-3{grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}.grid-4{grid-template-columns:repeat(auto-fill,minmax(238px,1fr))}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);flex-direction:column;gap:8px;padding:20px;display:flex}.card h3{letter-spacing:-.01em;margin:0;font-size:18px;line-height:1.35}.card h3 a{color:var(--text)}.card p{color:var(--muted-text);margin:0;font-size:15px}.card .meta{color:var(--muted-text);margin-top:auto;padding-top:6px;font-size:13px}.eyebrow{text-transform:uppercase;letter-spacing:.07em;color:var(--brand);font-size:12px;font-weight:700}.cat-card{text-decoration:none}.cat-card .emoji{font-size:26px}.cta-box{color:#fff;background:linear-gradient(135deg,#06617a,#0a86a6);border-radius:14px;margin:32px 0;padding:26px}.cta-box h3{color:#fff;margin:0 0 8px;font-size:21px}.cta-box p{color:#d7ecf3;margin:0 0 18px;font-size:16px}.cta-box .disclosure{color:#a9cfdc;margin:12px 0 0;font-size:12px}.cta-inline{border:1px solid var(--border);border-left:4px solid var(--accent);background:var(--surface);border-radius:10px;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:18px;margin:28px 0;padding:18px 20px;display:flex}.cta-inline p{margin:0;font-size:16px}.cta-inline strong{margin-bottom:2px;display:block}.disclosure-bar{background:var(--brand-light);color:#34586a;border:1px solid #c3e0e9;border-radius:8px;margin:0 0 26px;padding:10px 14px;font-size:13px}.article-head{padding:34px 0 8px}.article-head h1{letter-spacing:-.025em;margin:10px 0 14px;font-size:clamp(28px,4.4vw,40px);line-height:1.18}.article-meta{color:var(--muted-text);flex-wrap:wrap;gap:14px;font-size:14px;display:flex}.breadcrumbs{color:var(--muted-text);padding-top:18px;font-size:14px}.breadcrumbs a{color:var(--muted-text)}.breadcrumbs span{opacity:.6;margin:0 7px}.layout{grid-template-columns:minmax(0,1fr) 300px;align-items:start;gap:42px;padding:28px 0 60px;display:grid}@media (max-width:940px){.layout{grid-template-columns:1fr}}.prose{font-size:17.5px}.prose h2{letter-spacing:-.02em;margin:42px 0 12px;scroll-margin-top:80px;font-size:25px}.prose h3{margin:28px 0 8px;font-size:20px}.prose p{margin:0 0 18px}.prose ul{margin:0 0 20px;padding-left:22px}.prose li{margin-bottom:8px}.answer-box{background:var(--brand-light);border-left:4px solid var(--brand);border-radius:8px;margin:0 0 28px;padding:18px 20px}.answer-box strong{text-transform:uppercase;letter-spacing:.06em;color:var(--brand);margin-bottom:6px;font-size:13px;display:block}.answer-box p{margin:0;font-size:17px}.takeaways{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);margin:0 0 30px;padding:20px 22px}.takeaways h2{margin:0 0 10px;font-size:18px}.takeaways ul{margin:0;padding-left:20px}.toc{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);margin:0 0 30px;padding:18px 22px}.toc h2{text-transform:uppercase;letter-spacing:.05em;color:var(--muted-text);margin:0 0 8px;font-size:16px}.toc ol{margin:0;padding-left:20px;font-size:15.5px}.toc li{margin-bottom:5px}.faq-item{border-bottom:1px solid var(--border);padding:16px 0}.faq-item:last-child{border-bottom:0}.faq-item h3{margin:0 0 6px;font-size:18px}.faq-item p{color:var(--muted-text);margin:0}.sidebar{flex-direction:column;gap:20px;display:flex;position:sticky;top:82px}.side-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:18px}.side-card h3{text-transform:uppercase;letter-spacing:.05em;color:var(--muted-text);margin:0 0 12px;font-size:15px}.side-card ul{margin:0;padding:0;font-size:15px;list-style:none}.side-card li{margin-bottom:10px;line-height:1.45}.side-cta{color:#fff;background:linear-gradient(135deg,#f2761b,#e05c12);border:0}.side-cta h3{color:#ffe6d2}.side-cta p{color:#fff2e8;margin:0 0 14px;font-size:15px}.side-cta .btn{color:var(--accent-dark);background:#fff}.pagination{flex-wrap:wrap;justify-content:center;gap:8px;margin:36px 0 0;display:flex}.pagination a,.pagination span{border:1px solid var(--border);background:var(--surface);border-radius:8px;padding:8px 14px;font-size:15px}.pagination .current{background:var(--brand);color:#fff;border-color:var(--brand)}.tag-list{flex-wrap:wrap;gap:8px;margin:18px 0 0;display:flex}.tag{background:var(--surface-2);border:1px solid var(--border);color:var(--muted-text);border-radius:999px;padding:5px 13px;font-size:13.5px}.search-input{border:1px solid var(--border);background:var(--surface);width:100%;color:var(--text);border-radius:999px;padding:14px 18px;font-size:17px}.search-input:focus{outline:2px solid var(--brand);outline-offset:1px}.site-footer{color:#b9d4de;background:#08303d;margin-top:40px;padding:46px 0 28px;font-size:15px}.site-footer a{color:#d7ecf3}.footer-grid{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:28px;display:grid}.site-footer h4{color:#fff;text-transform:uppercase;letter-spacing:.06em;margin:0 0 12px;font-size:14px}.site-footer ul{margin:0;padding:0;list-style:none}.site-footer li{margin-bottom:8px}.footer-bottom{color:#8fb6c3;border-top:1px solid #14495a;margin-top:30px;padding-top:18px;font-size:13.5px}.sr-only{clip:rect(0,0,0,0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}
