:root{--ink:#142136;--muted:#5b6678;--paper:#fff;--wash:#f5f8fb;--line:#dfe7ef;--brand:#0f6f78;--brand2:#0b4f57;--accent:#ffb347;--max:1160px;--radius:18px;--shadow:0 14px 40px rgba(15,34,55,.08)}
*{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(--brand2);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{text-decoration-thickness:2px}.wrap{max-width:var(--max);margin:auto;padding:0 22px}
.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:72px}.logo{display:flex;align-items:center;gap:10px;font-weight:850;font-size:1.18rem;text-decoration:none;color:var(--ink)}
.logo-mark{width:36px;height:36px;border-radius:10px;display:grid;place-items:center;background:var(--brand);color:white;font-weight:900}.navlinks{display:flex;gap:20px;align-items:center;flex-wrap:wrap}.navlinks a{text-decoration:none;color:var(--ink);font-size:.94rem;font-weight:650}.nav-cta{padding:10px 15px;border-radius:999px;background:var(--brand);color:#fff!important}
.hero{padding:82px 0 54px;background:linear-gradient(180deg,#f8fbfd 0,#fff 100%)}.kicker{font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;font-weight:800;color:var(--brand)}
h1{font-size:clamp(2.2rem,5vw,4.5rem);line-height:1.03;letter-spacing:-.045em;margin:.35rem 0 1rem}h2{font-size:clamp(1.55rem,3vw,2.35rem);line-height:1.15;letter-spacing:-.025em;margin:2.1rem 0 .8rem}h3{font-size:1.25rem;line-height:1.25;margin:1.6rem 0 .55rem}
.lede{font-size:1.18rem;color:var(--muted);max-width:760px}.hero-grid{display:grid;grid-template-columns:1.45fr .8fr;gap:38px;align-items:center}.card{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff;box-shadow:var(--shadow)}
.stat-grid,.grid3,.grid2{display:grid;gap:18px}.grid3{grid-template-columns:repeat(3,1fr)}.grid2{grid-template-columns:repeat(2,1fr)}.stat-grid{grid-template-columns:repeat(3,1fr);margin-top:28px}.stat strong{display:block;font-size:1.2rem}.stat span{font-size:.9rem;color:var(--muted)}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0}.btn{display:inline-block;padding:13px 18px;border-radius:12px;font-weight:800;text-decoration:none}.btn-primary{background:var(--brand);color:white}.btn-secondary{border:1px solid var(--line);color:var(--ink);background:white}
.section{padding:54px 0}.section-wash{background:var(--wash)}.eyebrow{font-weight:800;color:var(--brand)}.breadcrumbs{font-size:.9rem;color:var(--muted);padding-top:22px}.breadcrumbs a{color:var(--muted)}
.article{max-width:820px;margin:auto;padding:34px 22px 70px}.article h1{font-size:clamp(2.1rem,5vw,3.7rem)}.article p,.article li{font-size:1.03rem}.article table{width:100%;border-collapse:collapse;margin:24px 0;display:block;overflow-x:auto}.article th,.article td{border:1px solid var(--line);padding:12px 14px;text-align:left;min-width:135px}.article th{background:var(--wash)}
.note{padding:16px 18px;border-left:4px solid var(--brand);background:var(--wash);border-radius:0 10px 10px 0;margin:24px 0}.warn{border-left-color:#b06b00;background:#fff7e8}.disclosure{font-size:.9rem;color:var(--muted);background:#fbfcfd;border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:20px 0}
.cta{margin:34px 0;padding:26px;border-radius:18px;background:var(--ink);color:white}.cta h2,.cta h3{color:white;margin-top:0}.cta p{color:#d8e0ea}.cta .btn-primary{background:var(--accent);color:#2b210e}
.procon{display:grid;grid-template-columns:1fr 1fr;gap:18px}.procon>div{border:1px solid var(--line);padding:18px;border-radius:14px}.tag{display:inline-block;padding:5px 9px;border-radius:999px;background:#e8f5f5;color:var(--brand2);font-weight:800;font-size:.8rem}
.related{border-top:1px solid var(--line);margin-top:42px;padding-top:24px}.related ul{columns:2}.footer{background:#101a2b;color:#dbe2eb;padding:42px 0}.footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:30px}.small{font-size:.88rem;color:var(--muted)}.footer .small{color:#aab5c5}.list-clean{list-style:none;padding:0}.list-clean li{margin:.45rem 0}
@media(max-width:820px){.hero-grid,.grid3,.grid2,.procon,.footer-grid{grid-template-columns:1fr}.navlinks a:not(.nav-cta){display:none}.stat-grid{grid-template-columns:1fr}.related ul{columns:1}}


/* Persistent offer placement */
.article-layout{max-width:1160px;margin:0 auto;padding:0 22px;display:grid;grid-template-columns:minmax(0,820px) 280px;gap:34px;align-items:start}
.article-layout .article{max-width:none;margin:0;padding-left:0;padding-right:0}
.article-sidebar{position:sticky;top:94px;padding-top:34px}
.sidebar-card{border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fff;box-shadow:var(--shadow)}
.sidebar-card h2{font-size:1.3rem;margin:.7rem 0}
.sidebar-card p{font-size:.94rem;color:var(--muted)}
.sidebar-cta{width:100%;text-align:center}
.sidebar-note{font-size:.78rem!important;margin-bottom:0}
.mobile-offer{display:none}
a:focus-visible,button:focus-visible{outline:3px solid #ffb347;outline-offset:3px;border-radius:6px}
@media(max-width:980px){
  .article-layout{grid-template-columns:1fr}
  .article-sidebar{display:none}
}
@media(max-width:820px){
  .mobile-offer{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:50;text-align:center;padding:12px 16px;border-radius:12px;background:var(--accent);color:#2b210e;font-weight:850;text-decoration:none;box-shadow:0 10px 28px rgba(15,34,55,.22)}
  body{padding-bottom:70px}
}