:root{--ink:#14213d;--muted:#5d667a;--paper:#fff;--soft:#f4f7fb;--line:#dce3ec;--accent:#ff6b35;--accent-dark:#c94718;--navy:#0e1b36;--green:#087f5b;--radius:18px;--shadow:0 12px 32px rgba(20,33,61,.09);--max:1180px}*{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(--paper);line-height:1.68}a{color:#1458a6;text-underline-offset:3px}a:hover{color:#0b3d78}.skip-link{position:absolute;left:-9999px;top:8px;background:#fff;padding:10px;z-index:999}.skip-link:focus{left:8px}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.header-inner{max-width:var(--max);margin:auto;display:flex;align-items:center;gap:22px;padding:12px 22px}.brand{display:flex;align-items:center;gap:9px;font-weight:850;font-size:1.16rem;text-decoration:none;color:var(--navy);white-space:nowrap}.brand-mark{width:34px;height:34px}.brand-mark circle{fill:none;stroke:var(--navy);stroke-width:2.5}.brand-mark path{fill:var(--accent)}.brand-mark .needle{fill:var(--navy)}.main-nav{display:flex;align-items:center;gap:14px;margin-left:auto}.main-nav a{font-size:.91rem;text-decoration:none;color:var(--ink);font-weight:650}.main-nav a:hover,.main-nav a.active{color:var(--accent-dark)}.menu-toggle{display:none;background:#fff;border:1px solid var(--line);padding:9px 12px;border-radius:10px;font:inherit;font-weight:700}.btn{display:inline-flex;justify-content:center;align-items:center;background:var(--accent);color:#111;text-decoration:none;padding:11px 17px;border-radius:12px;font-weight:850;box-shadow:0 4px 0 #d84f1d;transition:transform .15s}.btn:hover{color:#111;transform:translateY(-1px)}.header-cta{white-space:nowrap}.hero{background:linear-gradient(145deg,#0e1b36,#182d55);color:#fff}.hero-inner{max-width:var(--max);margin:auto;padding:72px 22px 64px;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(280px,.75fr);gap:48px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:850;color:#b9481f}.hero .eyebrow{color:#ffb091}.hero h1{font-size:clamp(2.4rem,6vw,5rem);line-height:.98;margin:.25em 0}.hero p{font-size:1.15rem;color:#d9e1ef;max-width:760px}.hero-card{background:#fff;color:var(--ink);padding:24px;border-radius:var(--radius);box-shadow:var(--shadow)}.hero-card h2{margin-top:0}.hero-card ul{padding-left:1.1rem}.section{max-width:var(--max);margin:auto;padding:54px 22px}.section h2{font-size:clamp(1.65rem,3vw,2.4rem);line-height:1.15}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.cards.compact{grid-template-columns:repeat(3,1fr)}.card{border:1px solid var(--line);border-radius:var(--radius);padding:22px;background:#fff;box-shadow:0 6px 20px rgba(20,33,61,.05)}.card h3{margin-top:0}.card a.stretched{text-decoration:none;color:var(--ink)}.card p{color:var(--muted)}.article-wrap{max-width:var(--max);margin:auto;padding:28px 22px 64px;display:grid;grid-template-columns:minmax(0,760px) 300px;gap:48px;align-items:start}.article{min-width:0}.article h1{font-size:clamp(2rem,4.7vw,3.8rem);line-height:1.05;margin:.25em 0}.article h2{margin-top:2.2em;font-size:1.7rem;line-height:1.2}.lede{font-size:1.18rem;color:#465166}.breadcrumbs{max-width:var(--max);margin:22px auto 0;padding:0 22px;display:flex;gap:8px;flex-wrap:wrap;color:var(--muted);font-size:.9rem}.breadcrumbs a{color:var(--muted)}.sidebar{position:sticky;top:94px}.side-box{border:1px solid var(--line);border-radius:var(--radius);padding:22px;background:var(--soft);margin-bottom:18px}.side-box h2{font-size:1.15rem;margin-top:0}.side-box .btn{width:100%;margin:.35rem 0 .75rem}.side-links a{display:block;padding:8px 0;border-bottom:1px solid var(--line);text-decoration:none}.side-links a:last-child{border:0}.checklist{list-style:none;padding:0}.checklist li{position:relative;padding:10px 0 10px 34px;border-bottom:1px solid var(--line)}.checklist li:before{content:"✓";position:absolute;left:0;top:10px;color:var(--green);font-weight:900}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:14px}table{border-collapse:collapse;width:100%;min-width:560px}th,td{text-align:left;padding:14px;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--soft)}tr:last-child td{border-bottom:0}.highlight{background:#fff6f1;border:1px solid #ffd4c3;border-radius:var(--radius);padding:24px;margin-top:34px}.highlight h2{margin-top:0}.source-note{background:#f2f7ff;border-left:4px solid #3b82f6;padding:14px 16px;margin:20px 0;border-radius:0 10px 10px 0;font-size:.92rem}.faq details{border-top:1px solid var(--line);padding:14px 0}.faq summary{font-weight:800;cursor:pointer}.faq p{color:var(--muted)}.category-head{background:var(--soft);border-bottom:1px solid var(--line)}.category-head .section{padding-top:48px;padding-bottom:48px}.category-head h1{font-size:clamp(2.2rem,5vw,4.2rem);margin:.1em 0}.category-head p{font-size:1.12rem;max-width:720px;color:var(--muted)}.related{margin-top:42px;padding-top:24px;border-top:1px solid var(--line)}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.related a{display:block;border:1px solid var(--line);padding:16px;border-radius:14px;text-decoration:none;font-weight:750}.site-footer{background:var(--navy);color:#dbe4f2;padding:48px 22px 90px}.footer-grid{max-width:var(--max);margin:auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:38px}.site-footer h2{font-size:1rem;color:#fff}.site-footer a{display:block;color:#dbe4f2;margin:7px 0}.footer-brand{color:#fff!important}.fineprint,.copyright{max-width:var(--max);margin:28px auto 0;color:#aab8cf;font-size:.86rem}.fine-meta{color:var(--muted);font-size:.9rem}.copyright{margin-top:8px}.mobile-affiliate{display:none}@media(max-width:940px){.main-nav{display:none;position:absolute;top:64px;left:14px;right:14px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.menu-toggle{display:inline-block;margin-left:auto}.header-cta{display:none}.hero-inner{grid-template-columns:1fr}.article-wrap{grid-template-columns:1fr}.sidebar{position:static}.cards,.cards.compact{grid-template-columns:1fr 1fr}.related-grid{grid-template-columns:1fr}.mobile-affiliate{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:80}.mobile-affiliate .btn{width:100%;box-shadow:0 7px 22px rgba(0,0,0,.2)}}@media(max-width:620px){.cards,.cards.compact{grid-template-columns:1fr}.hero-inner{padding-top:54px}.footer-grid{grid-template-columns:1fr}.header-inner{padding:10px 14px}.brand span{font-size:1rem}.article-wrap{padding-left:16px;padding-right:16px}}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}:focus-visible{outline:3px solid #2f7ce5;outline-offset:3px}