:root{--navy:#10285f;--blue:#2196e6;--sky:#eef8ff;--ink:#14213d;--muted:#5e6b7a;--green:#20b486;--white:#fff;--line:#dce6ef;--max:1120px}
*{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);line-height:1.65;background:#fff}
a{color:var(--navy)}img{max-width:100%}.wrap{width:min(var(--max),92%);margin:auto}.topnote{background:#f4f8fb;color:#526173;font-size:.83rem;text-align:center;padding:.42rem}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}nav{height:68px;display:flex;align-items:center;justify-content:space-between;gap:1rem}.logo{text-decoration:none;font-weight:850;font-size:1.22rem;color:var(--navy);letter-spacing:-.03em}.logo span{color:var(--blue)}.navlinks{display:flex;gap:1.2rem;align-items:center}.navlinks a{text-decoration:none;font-weight:650;font-size:.92rem}.navcta,.btn{display:inline-block;background:var(--blue);color:white!important;text-decoration:none;border-radius:9px;padding:.78rem 1.05rem;font-weight:800;border:0;cursor:pointer}.btn.secondary{background:white;color:var(--navy)!important;border:1px solid var(--line)}.hero{background:linear-gradient(145deg,#f7fcff 0%,#edf7ff 55%,#fff 100%);padding:78px 0 60px}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center}.eyebrow{color:#147bb9;text-transform:uppercase;font-weight:800;letter-spacing:.09em;font-size:.78rem}h1{font-size:clamp(2.35rem,5vw,4.3rem);line-height:1.03;letter-spacing:-.055em;margin:.5rem 0 1.1rem}h2{font-size:clamp(1.65rem,3vw,2.4rem);line-height:1.15;letter-spacing:-.035em}h3{line-height:1.2}.lead{font-size:1.15rem;color:var(--muted);max-width:720px}.actions{display:flex;gap:.7rem;flex-wrap:wrap;margin:1.5rem 0}.mini{font-size:.87rem;color:var(--muted)}.panel{background:white;border:1px solid var(--line);border-radius:18px;padding:1.5rem;box-shadow:0 18px 55px rgba(20,54,95,.1)}.score{display:flex;justify-content:space-between;border-bottom:1px solid var(--line);padding:.7rem 0}.score:last-child{border:0}.section{padding:64px 0}.section.alt{background:#f7fafc}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.card{border:1px solid var(--line);border-radius:14px;padding:1.25rem;background:white}.card a{text-decoration:none}.card p{color:var(--muted)}.badge{display:inline-block;background:#eaf8f4;color:#13795b;border-radius:99px;padding:.25rem .6rem;font-size:.75rem;font-weight:800}.article{width:min(790px,92%);margin:48px auto}.article h1{font-size:clamp(2.2rem,5vw,3.6rem)}.article h2{margin-top:2.2rem}.article p,.article li{font-size:1.03rem}.toc{background:#f7fafc;border:1px solid var(--line);border-radius:12px;padding:1rem 1.2rem}.callout{background:var(--sky);border-left:4px solid var(--blue);padding:1.1rem 1.2rem;border-radius:8px;margin:1.6rem 0}.affiliate-box{background:#10285f;color:white;border-radius:16px;padding:1.5rem;margin:2rem 0}.affiliate-box a{color:white}.affiliate-box .btn{background:#36a9ee}.tablewrap{overflow-x:auto}table{width:100%;border-collapse:collapse;margin:1.3rem 0}th,td{text-align:left;padding:.85rem;border-bottom:1px solid var(--line);vertical-align:top}th{background:#f7fafc}.breadcrumbs{font-size:.83rem;color:var(--muted);margin-top:1rem}.breadcrumbs a{color:var(--muted)}footer{background:#0d1d3f;color:#d7e2ef;padding:42px 0 70px}footer a{color:#fff}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem}.popup{display:none;position:fixed;inset:0;background:rgba(5,16,35,.58);z-index:50;align-items:center;justify-content:center;padding:1rem}.popup.open{display:flex}.popupbox{position:relative;background:white;border-radius:18px;padding:1.6rem;max-width:480px;width:100%;box-shadow:0 30px 90px rgba(0,0,0,.25)}.close{position:absolute;right:12px;top:10px;border:0;background:none;font-size:1.5rem;cursor:pointer}.menu{display:none;border:0;background:none;font-size:1.4rem}.disclosure{font-size:.86rem;background:#fff9e9;border:1px solid #f0dfab;padding:.8rem;border-radius:8px}
@media(max-width:780px){.hero-grid,.cards,.footgrid{grid-template-columns:1fr}.navlinks{display:none;position:absolute;top:68px;left:0;right:0;background:white;padding:1rem 4%;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}.navlinks.open{display:flex}.menu{display:block}.hero{padding-top:48px}.section{padding:45px 0}h1{font-size:2.65rem}.navcta{display:none}}