:root{--ink:#0f172a;--muted:#667085;--line:#e5e7eb;--bg:#f8fafc;--card:#fff;--blue:#2563eb;--blue2:#1d4ed8;--soft:#eff6ff;--green:#166534}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.68}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:1180px;margin:auto;padding:0 24px}
header{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:1.25rem;font-weight:900;color:var(--ink);letter-spacing:-.04em;white-space:nowrap}.brand span{color:var(--blue)}
nav{display:flex;align-items:center;gap:17px;margin-left:auto}nav a{font-size:.91rem;color:#344054;font-weight:600}.head-cta{background:var(--blue);color:#fff!important;padding:10px 14px;border-radius:9px;text-decoration:none!important}
.hero{padding:80px 0 62px;background:linear-gradient(180deg,#f7faff,#fff)}.hero h1,.page-title{font-size:clamp(2.45rem,5.5vw,4.8rem);line-height:1.02;letter-spacing:-.055em;margin:.18em 0}.hero p{max-width:780px;font-size:1.2rem;color:var(--muted)}
.eyebrow{color:var(--blue);font-size:.78rem;letter-spacing:.095em;text-transform:uppercase;font-weight:850}
.btn{display:inline-block;background:var(--blue);color:white!important;padding:11px 17px;border-radius:9px;font-weight:780;text-decoration:none!important;margin-right:8px}.btn.alt{background:#0f172a}
.section{padding:55px 0}.section h2{font-size:2.05rem;letter-spacing:-.035em}
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.card{border:1px solid var(--line);border-radius:15px;padding:24px;background:#fff}.card h2,.card h3{margin-top:0;line-height:1.25}.card p{color:#475467}
.article-shell{max-width:1180px;margin:0 auto;padding:54px 24px;display:grid;grid-template-columns:minmax(0,790px) 280px;gap:56px;align-items:start}
.article h1{font-size:clamp(2.25rem,5vw,4.2rem);line-height:1.04;letter-spacing:-.05em}.article h2{font-size:1.72rem;line-height:1.2;letter-spacing:-.028em;margin-top:2.05em}.article h3{font-size:1.2rem;margin-top:1.7em}.lede{font-size:1.2rem;color:var(--muted)}.meta{font-size:.9rem;color:var(--muted)}
.sidebar{position:sticky;top:94px}.side-card{border:1px solid var(--line);border-radius:14px;padding:20px;margin-bottom:18px;background:#fff}.side-card.aff{background:#f8fbff;border-color:#bfdbfe}.side-card h3{margin:0 0 8px;font-size:1.02rem}.side-card p{font-size:.91rem;color:#475467;margin-top:7px}.side-card .btn{width:100%;text-align:center;margin:4px 0}
.disclosure{border:1px solid var(--line);background:#fafafa;border-radius:9px;padding:14px 16px;font-size:.9rem;color:#475467}.callout{border-left:4px solid var(--blue);background:var(--soft);border-radius:8px;padding:17px 19px;margin:26px 0}.money{border:1px solid #bfdbfe;background:#f8fbff;border-radius:14px;padding:24px;margin:30px 0}.money h2,.money h3{margin-top:0}.toc{border:1px solid var(--line);background:var(--bg);border-radius:12px;padding:18px 20px;margin:25px 0}.toc a{display:block;margin:5px 0}.tag{font-size:.76rem;display:inline-block;background:#eef2ff;color:#3730a3;border-radius:999px;padding:4px 9px;font-weight:750;margin-right:5px}
table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.94rem}th,td{border:1px solid var(--line);padding:11px 12px;text-align:left;vertical-align:top}th{background:var(--bg)}
blockquote{margin:24px 0;padding:2px 0 2px 18px;border-left:3px solid #cbd5e1;color:#475467}
footer{background:#0f172a;color:#cbd5e1;padding:44px 0;margin-top:58px}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.foot a{color:#e2e8f0}
.mobile-menu{display:none}
@media(max-width:900px){nav a:not(.head-cta){display:none}.article-shell{grid-template-columns:1fr}.sidebar{position:static}.grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.wrap{padding:0 18px}.nav{gap:12px}.head-cta{font-size:.82rem;padding:9px 11px}.grid{grid-template-columns:1fr}.hero{padding:56px 0 42px}.article-shell{padding:38px 18px}.foot{grid-template-columns:1fr}}