:root{
  --ink:#14213d;--muted:#58657a;--blue:#1556c0;--blue2:#0d3f91;--sky:#eaf3ff;
  --violet:#6c5ce7;--paper:#fff;--soft:#f6f8fc;--line:#dce4ef;--green:#16745b;
  --max:1120px;--radius:18px;--shadow:0 16px 40px rgba(20,33,61,.10)
}
*{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:1.65}
a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}
.container{width:min(var(--max),calc(100% - 36px));margin:auto}.topbar{font-size:.86rem;background:#0e2447;color:#fff;text-align:center;padding:8px 16px}.topbar a{color:#fff}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;letter-spacing:-.02em}.mark{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,var(--blue),var(--violet));color:#fff;font-weight:900}
nav{display:flex;gap:22px;align-items:center}nav a{text-decoration:none;color:var(--ink);font-weight:650;font-size:.94rem}.menu{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:9px 12px;font-size:1rem}
.hero{background:radial-gradient(circle at 80% 20%,#e9e5ff 0,transparent 30%),linear-gradient(180deg,#f8fbff,#fff);padding:76px 0 58px;border-bottom:1px solid var(--line)}
.eyebrow{display:inline-flex;gap:7px;align-items:center;font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);background:var(--sky);padding:7px 10px;border-radius:999px}
h1,h2,h3{line-height:1.15;letter-spacing:-.035em}h1{font-size:clamp(2.4rem,6vw,4.5rem);max-width:850px;margin:18px 0}h2{font-size:clamp(1.65rem,3vw,2.45rem);margin-top:2.2em}h3{font-size:1.25rem;margin-top:1.8em}
.lede{font-size:1.18rem;color:var(--muted);max-width:760px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 18px;border-radius:12px;background:var(--blue);color:#fff!important;text-decoration:none;font-weight:800;border:1px solid var(--blue);box-shadow:0 8px 20px rgba(21,86,192,.18)}
.btn:hover{background:var(--blue2)}.btn.secondary{background:#fff;color:var(--ink)!important;border-color:var(--line);box-shadow:none}
.disclosure{font-size:.83rem;color:var(--muted);max-width:800px}.section{padding:58px 0}.soft{background:var(--soft)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff;box-shadow:0 7px 24px rgba(20,33,61,.05)}.card h3{margin-top:0}.card p{color:var(--muted)}.card a.stretch{font-weight:800;text-decoration:none}
.article{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:54px;padding:50px 0}.article main{min-width:0}.article p,.article li{font-size:1.03rem}.article aside{position:relative}.sticky{position:sticky;top:96px}
.toc{border:1px solid var(--line);border-radius:16px;padding:18px;background:var(--soft)}.toc strong{display:block;margin-bottom:8px}.toc a{display:block;text-decoration:none;padding:5px 0;font-size:.92rem}
.note{border-left:4px solid var(--blue);background:var(--sky);padding:16px 18px;border-radius:0 12px 12px 0;margin:24px 0}.evidence{border-left-color:var(--green);background:#edf9f5}
.offer{border:1px solid #bfd4f6;background:linear-gradient(135deg,#f3f8ff,#f8f6ff);padding:24px;border-radius:18px;margin:30px 0}.offer h3{margin-top:0}.offer .btn{margin-top:6px}
.compare{width:100%;border-collapse:collapse;margin:24px 0;font-size:.95rem}.compare th,.compare td{padding:13px;border:1px solid var(--line);text-align:left;vertical-align:top}.compare th{background:var(--soft)}
.breadcrumbs{font-size:.86rem;color:var(--muted);padding-top:26px}.breadcrumbs a{color:var(--muted)}
.byline{font-size:.9rem;color:var(--muted);margin:10px 0 24px}.source-list li{margin-bottom:10px}.faq details{border-top:1px solid var(--line);padding:16px 0}.faq summary{font-weight:800;cursor:pointer}
footer{background:#0e2447;color:#dce8ff;padding:48px 0 30px;margin-top:40px}footer a{color:#fff}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.small{font-size:.84rem;color:#b7c7e3}
.popup{position:fixed;inset:auto 18px 18px auto;width:min(410px,calc(100% - 36px));background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:22px;z-index:80;display:none}.popup.show{display:block}.popup h3{margin:0 30px 8px 0}.close{position:absolute;right:12px;top:10px;border:0;background:transparent;font-size:1.4rem;cursor:pointer}.popup p{font-size:.93rem;color:var(--muted)}
.wave{height:150px;border-radius:24px;background:linear-gradient(135deg,#0d3f91,#6c5ce7);position:relative;overflow:hidden;margin-top:34px}.wave:before,.wave:after{content:"";position:absolute;left:-5%;width:110%;height:60px;border-radius:50%;border:3px solid rgba(255,255,255,.65);top:42px}.wave:after{top:67px;border-color:rgba(255,255,255,.35)}
.kicker{font-weight:800;color:var(--blue)}.checks{padding-left:0;list-style:none}.checks li{padding:7px 0 7px 28px;position:relative}.checks li:before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:900}
@media(max-width:860px){nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;padding:18px 24px;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}nav.open{display:flex}.menu{display:block}.grid{grid-template-columns:1fr}.article{grid-template-columns:1fr}.article aside{display:none}.footgrid{grid-template-columns:1fr 1fr}.hero{padding-top:54px}}
@media(max-width:560px){.container{width:min(100% - 26px,var(--max))}.footgrid{grid-template-columns:1fr}.btn{width:100%}.popup{inset:auto 13px 13px 13px;width:auto}.compare{font-size:.84rem}.compare th,.compare td{padding:9px}h1{font-size:2.55rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}