:root{--bg:#f7f6f1;--surface:#fff;--ink:#17212a;--muted:#62707b;--navy:#12324d;--navy2:#0b2236;--gold:#b79a63;--gold2:#8b7043;--line:#e2e2de;--soft:#eef3f6;--cream:#f4efe4;--shadow:0 12px 34px rgba(18,50,77,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.67}a{color:#174d73;text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:1160px;margin:auto;padding:0 22px}.top{background:var(--navy2);color:#edf4f8;font-size:14px;padding:8px 0;text-align:center}.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}.head{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}.brand{display:flex;align-items:center;gap:12px;font-weight:900;color:var(--navy2);letter-spacing:-.4px}.brand img{width:46px;height:46px;object-fit:contain;border-radius:10px;background:#fff}.brand span{font-size:21px}.nav{display:flex;gap:16px;align-items:center;flex-wrap:wrap}.nav a{font-weight:700;color:#385264;font-size:14px}.nav .navcta,.btn{display:inline-block;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff!important;border-radius:10px;padding:12px 18px;font-weight:900;box-shadow:0 8px 18px rgba(18,50,77,.18);text-decoration:none!important}.nav .navcta{border:1px solid #244b67}.hero{padding:44px 0 30px;background:linear-gradient(180deg,#eef4f7 0%,#f8f7f2 100%)}.crumbs{font-size:13px;color:#6b777f;margin-bottom:18px}.crumbs a{font-weight:700}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:38px;align-items:center}.eyebrow{display:inline-block;padding:6px 10px;background:#ede7d9;border:1px solid #ddcfb5;border-radius:999px;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.08em;color:#765e36}h1{font-size:46px;line-height:1.07;margin:14px 0;letter-spacing:-1.2px;color:var(--navy2)}h2{font-size:29px;line-height:1.2;margin:34px 0 14px;color:var(--navy)}h3{font-size:21px;line-height:1.3;color:#234963}.lede{font-size:19px;color:#4f606d}.hero-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:26px;box-shadow:var(--shadow);text-align:center}.hero-card img{max-width:100%;height:330px;object-fit:contain}.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0}.btn.gold{background:linear-gradient(135deg,#c2a56d,#8d7346);color:#fff!important}.btn.secondary{background:#fff;color:var(--navy)!important;border:2px solid var(--navy);box-shadow:none}.trust{display:flex;flex-wrap:wrap;gap:9px;margin-top:18px}.chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 11px;font-size:12px;font-weight:800;color:#52616b}.main{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:34px;padding:28px 0 54px}.article,.side-card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow)}.article{padding:30px}.side{display:flex;flex-direction:column;gap:18px}.side-card{padding:20px;position:sticky;top:96px}.side-card img{width:100%;height:180px;object-fit:contain}.toc{padding:18px 20px;background:#f5f8fa;border:1px solid var(--line);border-radius:14px;margin:24px 0}.callout{border-left:4px solid var(--navy);background:#eff5f8;padding:16px 18px;border-radius:10px;margin:20px 0}.warning{border-left-color:#a57b34;background:#fff8e8}.verdict{border:1px solid #d8dfe4;background:linear-gradient(135deg,#f3f7f9,#fff);padding:20px;border-radius:15px}.table-wrap{overflow-x:auto;margin:18px 0}table{border-collapse:collapse;width:100%;font-size:15px}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{background:#eaf0f4;color:#203f56}.cta-box{margin:28px 0;padding:24px;border-radius:18px;background:linear-gradient(135deg,var(--navy2),var(--navy));color:#fff}.cta-box h2,.cta-box h3{color:#fff;margin-top:0}.cta-box p{color:#e7f0f5}.cta-box .btn{background:#fff;color:var(--navy2)!important}.mid-cta{display:flex;align-items:center;justify-content:space-between;gap:18px;background:var(--cream);border:1px solid #dfd3bd;border-radius:14px;padding:16px 18px;margin:24px 0}.mid-cta strong{color:#634f31}.related{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.rel{display:block;border:1px solid var(--line);background:#fbfcfc;padding:15px;border-radius:12px;font-weight:800}.sources li{margin-bottom:9px}.footer{background:var(--navy2);color:#dbe6ec;padding:40px 0 26px}.footer a{color:#f1f6f8}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.small{font-size:13px;color:#71808a}.footer .small{color:#adc0cb}.divider{height:1px;background:var(--line);margin:28px 0}.pill{font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.06em;color:#866b3f}
@media(max-width:900px){.nav a:not(.navcta){display:none}.hero-grid,.main,.footgrid{grid-template-columns:1fr}.side-card{position:static}.hero-card img{height:270px}h1{font-size:37px}.article{padding:22px}.related{grid-template-columns:1fr}.mid-cta{align-items:flex-start;flex-direction:column}}