:root{
  --ink:#172033;--muted:#657086;--bg:#f7f9fc;--card:#ffffff;--line:#e2e8f0;
  --accent:#4f63d8;--accent-dark:#394cb8;--accent-soft:#eef0ff;--good:#eaf8f0;
  --warn:#fff7df;--max:1160px;--side:270px;
}
*{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:#3448b8;text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:var(--max);margin:auto;padding:0 22px}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.navbar{min-height:72px;display:flex;align-items:center;gap:22px}
.brand{font-weight:900;font-size:21px;letter-spacing:-.03em;color:var(--ink);margin-right:auto;white-space:nowrap}
.brand span{color:var(--accent)}
nav a{font-size:14px;font-weight:750;color:#3e485c;margin-left:16px}
.header-cta{display:inline-flex;align-items:center;justify-content:center;padding:10px 15px;border-radius:10px;background:var(--accent);color:white;font-weight:850;font-size:14px;white-space:nowrap}
.header-cta:hover{text-decoration:none;background:var(--accent-dark)}
.hero{padding:78px 0 56px;background:linear-gradient(180deg,#fff,#f7f9fc)}
.eyebrow{font-size:13px;font-weight:850;letter-spacing:.09em;text-transform:uppercase;color:var(--accent)}
h1{font-size:clamp(38px,6vw,62px);line-height:1.05;letter-spacing:-.045em;max-width:920px;margin:10px 0 22px}
.article h1{font-size:clamp(34px,5vw,52px)}
h2{font-size:31px;line-height:1.17;letter-spacing:-.025em;margin:46px 0 15px}
h3{line-height:1.25;margin-top:26px}
.lede{font-size:20px;color:var(--muted);max-width:780px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 19px;border-radius:10px;background:var(--accent);color:white;font-weight:850;margin:10px 10px 8px 0}
.btn:hover{text-decoration:none;background:var(--accent-dark)}.btn.alt{background:#fff;color:var(--ink);border:1px solid var(--line)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid.two{grid-template-columns:repeat(2,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:15px;padding:24px;box-shadow:0 8px 24px rgba(23,32,51,.03)}
.card p{color:var(--muted)}
.page-shell{max-width:var(--max);margin:36px auto 0;padding:0 22px;display:grid;grid-template-columns:minmax(0,1fr) var(--side);gap:38px;align-items:start}
.article{min-width:0}.article .lede{font-size:19px}.article p,.article li{font-size:17px}
.crumbs{font-size:13px;color:var(--muted);margin-bottom:18px}
.disclosure{font-size:14px!important;background:var(--warn);border:1px solid #f2df9a;padding:13px 16px;border-radius:10px}
.note{background:var(--accent-soft);border-radius:12px;padding:18px 20px;margin:24px 0}
.verdict{background:var(--good);border-radius:14px;padding:22px;margin:25px 0}
.sidebar{position:sticky;top:96px}
.side-card{background:#fff;border:1px solid var(--line);border-radius:15px;padding:20px;margin-bottom:16px}
.side-card h3{margin:0 0 8px}.side-card p{font-size:14px;color:var(--muted);line-height:1.55}
.side-card .btn{width:100%;margin:8px 0 6px}
.side-links a{display:block;padding:8px 0;border-bottom:1px solid var(--line);font-size:14px;font-weight:700}.side-links a:last-child{border-bottom:0}
.table{overflow:auto}.table table{width:100%;border-collapse:collapse;background:#fff}.table th,.table td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}.table th{background:#f1f4f9}
.kicker{font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:850;color:var(--accent)}
.updated{font-size:13px;color:var(--muted);margin-top:-6px}
footer{margin-top:72px;padding:42px 0;background:#111827;color:#d3d8e3}footer a{color:#fff;margin-right:16px}.small{font-size:13px;color:#8792a7}
.mobile-cta{display:none}
@media(max-width:900px){
  nav{display:none}.page-shell{grid-template-columns:1fr}.sidebar{display:none}.header-cta{margin-left:auto}
  .mobile-cta{display:block;position:fixed;bottom:0;left:0;right:0;z-index:30;background:#fff;border-top:1px solid var(--line);padding:10px 14px}
  .mobile-cta a{display:block;background:var(--accent);color:#fff;text-align:center;font-weight:850;padding:12px;border-radius:10px}
  body{padding-bottom:66px}
}
@media(max-width:720px){
 .grid,.grid.two{grid-template-columns:1fr}.navbar{min-height:64px}.header-cta{font-size:12px;padding:9px 11px}.hero{padding-top:52px}
}