:root{--bg:#f7f9fc;--surface:#ffffff;--soft:#eef4f8;--text:#172235;--muted:#5d6c7e;--green:#087f5b;--green2:#e5f6ef;--blue:#1265a8;--line:#dbe4ed;--shadow:0 12px 34px rgba(29,48,70,.09);--max:1180px;--side:290px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font:16px/1.75 Inter,system-ui,-apple-system,"Segoe UI",sans-serif}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:var(--max);margin:auto;padding:0 24px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.header-row{min-height:72px;display:flex;align-items:center;gap:22px}.logo{font-weight:900;font-size:21px;color:#172235;letter-spacing:-.6px;white-space:nowrap}.logo span{color:var(--green)}
.desktop-nav{display:flex;gap:18px;margin-left:auto;align-items:center}.desktop-nav a{color:#33445a;font-size:14px;font-weight:650}.header-cta,.cta{display:inline-flex;align-items:center;justify-content:center;background:var(--green);color:#fff!important;font-weight:850;border-radius:9px;padding:11px 16px;white-space:nowrap;box-shadow:0 5px 14px rgba(8,127,91,.16)}.header-cta:hover,.cta:hover{text-decoration:none;background:#066b4d}
.mobile-menu,.menu-btn{display:none!important}.hero{padding:62px 0 36px}.eyebrow{color:var(--green);font-size:12px;font-weight:850;text-transform:uppercase;letter-spacing:.14em}
h1{font-size:clamp(38px,5.7vw,62px);line-height:1.04;letter-spacing:-2.2px;margin:12px 0 20px;color:#132034}h2{font-size:30px;line-height:1.2;letter-spacing:-.7px;margin:44px 0 13px;color:#172235}h3{font-size:20px;line-height:1.3;margin:0 0 8px;color:#172235}.lead{font-size:20px;color:#506176;max-width:860px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.secondary{background:#fff!important;color:#1b344c!important;border:1px solid var(--line);box-shadow:none!important}
.layout{display:grid;grid-template-columns:minmax(0,1fr) var(--side);gap:42px;align-items:start}.article{min-width:0}.article p,.article li{color:#3f5063}.article strong{color:#172235}.article ul,.article ol{padding-left:22px}.article li{margin:7px 0}
.sidebar{position:static}.sidebox,.card,.callout{background:var(--surface);border:1px solid var(--line);border-radius:15px;padding:21px;box-shadow:var(--shadow)}.sidebox{margin-bottom:18px}.sidebox p,.card p{color:var(--muted);font-size:14px}.side-links{display:grid}.side-links a{padding:9px 0;border-bottom:1px solid var(--line);font-size:14px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card h3 a{color:#172235}.callout{border-color:#b9e3d4;background:#f8fffc;margin:30px 0}.warning{border-left:4px solid #d79824;background:#fff9ec;border-radius:8px;padding:15px 18px;color:#5d4b2b;margin:28px 0}.note{background:var(--soft);border-radius:10px;padding:16px 18px;margin:24px 0}
.breadcrumbs{font-size:13px;color:var(--muted);padding-top:26px}.disclosure{font-size:12px!important;color:#65778b!important}.sitemap-list{columns:2;column-gap:40px}.sitemap-list li{break-inside:avoid;margin:7px 0}
footer{border-top:1px solid var(--line);background:#fff;margin-top:64px;padding:34px 0;color:var(--muted);font-size:14px}.footer-row{display:flex;justify-content:space-between;gap:28px;flex-wrap:wrap}.footer-links{display:flex;gap:16px;flex-wrap:wrap}
.popup-backdrop{position:fixed;inset:0;background:rgba(23,34,53,.52);z-index:100;display:none;align-items:center;justify-content:center;padding:18px}.popup-backdrop.show{display:flex}.popup{width:min(520px,100%);background:#fff;border-radius:18px;box-shadow:0 28px 80px rgba(20,35,55,.28);padding:28px;position:relative}.popup-close{position:absolute;right:14px;top:12px;border:0;background:transparent;font-size:27px;line-height:1;color:#536477;cursor:pointer}.popup h2{font-size:27px;margin:0 34px 10px 0}.popup p{color:#536477}.popup-actions{display:flex;gap:10px;flex-wrap:wrap}.stay{background:#fff;border:1px solid var(--line);color:#26394e;font-weight:800;border-radius:9px;padding:11px 16px;cursor:pointer}
@media(max-width:900px){.layout{grid-template-columns:1fr}.sidebar{margin-top:12px}.grid{grid-template-columns:1fr 1fr}.desktop-nav{display:none}.header-row{min-height:66px}.header-cta{margin-left:auto;font-size:15px;padding:12px 18px}.hero{padding-top:46px}}
@media(max-width:560px){.wrap{padding:0 16px}.header-row{gap:10px}.logo{font-size:17px;min-width:0;overflow:hidden}.header-cta{font-size:14px;padding:11px 15px;margin-left:auto}.grid{grid-template-columns:1fr}.sitemap-list{columns:1}h1{letter-spacing:-1.3px}.lead{font-size:18px}.hero{padding:40px 0 28px}.popup{padding:24px 20px}.popup-actions{display:grid}.popup-actions>*{width:100%}}

.meta-row{display:flex;gap:10px;flex-wrap:wrap;margin:18px 0 22px}.meta-chip{font-size:12px;font-weight:750;color:#476075;background:#eef4f8;border:1px solid #dbe4ed;border-radius:999px;padding:6px 10px}.takeaways{background:#f1fbf7;border:1px solid #c7eadc;border-radius:14px;padding:20px 22px;margin:24px 0}.takeaways h2{font-size:22px;margin:0 0 10px}.takeaways ul{margin:0}.toc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 22px;margin:24px 0}.toc h2{font-size:20px;margin:0 0 10px}.toc a{display:block;padding:4px 0}.faq{margin-top:42px}.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 16px;margin:9px 0}.faq summary{font-weight:800;cursor:pointer;color:#172235}.faq p{margin-bottom:0}.cluster-strip{background:#eef6fb;border:1px solid #d7e6f1;border-radius:14px;padding:18px;margin:24px 0}.cluster-strip strong{display:block;margin-bottom:8px}.cluster-links{display:flex;gap:9px;flex-wrap:wrap}.cluster-links a{background:#fff;border:1px solid #d7e6f1;border-radius:8px;padding:7px 10px;font-size:13px;font-weight:700}.journey{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:26px 0}.journey a,.journey div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:15px}.journey small{display:block;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.06em}.journey strong{display:block;margin-top:4px}.updated-note{font-size:13px;color:#5d6c7e;border-left:3px solid #7cb7a4;padding-left:12px;margin:18px 0}.hub-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.hub-section{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px}.hub-section ul{margin:8px 0 0;padding-left:18px}.source-note{font-size:13px;background:#f7f9fc;border:1px solid var(--line);border-radius:10px;padding:13px 15px;margin:18px 0}@media(max-width:700px){.journey,.hub-grid{grid-template-columns:1fr}}