:root{
  --ink:#132033;
  --muted:#59677a;
  --navy:#0d1b2a;
  --indigo:#4f46e5;
  --blue:#2563eb;
  --cyan:#0891b2;
  --paper:#ffffff;
  --wash:#f4f7fb;
  --line:#dbe3ee;
  --good:#0f766e;
  --warn:#92400e;
  --radius:20px;
  --shadow:0 20px 55px rgba(15,23,42,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  color:var(--ink);
  background:var(--paper);
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  font-size:17px;
  line-height:1.7;
}
img{max-width:100%;height:auto}
a{color:#3156c8;text-underline-offset:3px}
a:hover{color:#1d3aa4}
.skip-link{position:absolute;left:-9999px;top:0;z-index:20;background:#fff;color:#111;padding:.75rem 1rem}
.skip-link:focus{left:1rem;top:1rem}
.site-header{
  position:sticky;top:0;z-index:10;
  background:rgba(13,27,42,.96);
  border-bottom:1px solid rgba(255,255,255,.12);
  backdrop-filter:blur(16px);
}
.header-inner,.wrap{width:min(1160px,calc(100% - 40px));margin:0 auto}
.header-inner{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none;font-weight:750;letter-spacing:-.02em}
.brand img{width:46px;height:46px;object-fit:contain;border-radius:10px;background:#fff}
.site-nav{display:flex;align-items:center;gap:22px;font-size:14px}
.site-nav a{color:rgba(255,255,255,.78);text-decoration:none}
.site-nav a:hover,.site-nav a[aria-current="page"]{color:#fff}
.nav-cta{padding:9px 14px;border:1px solid rgba(255,255,255,.34);border-radius:999px}
.breadcrumbs{font-size:14px;color:#64748b;padding-top:28px}
.breadcrumbs a{color:#475569}
.hero{
  position:relative;overflow:hidden;
  padding:72px 0 68px;
  background:
    radial-gradient(circle at 78% 18%,rgba(96,165,250,.25),transparent 33%),
    radial-gradient(circle at 24% 70%,rgba(129,140,248,.18),transparent 37%),
    linear-gradient(145deg,#091624,#16253b 58%,#1e1b4b);
  color:#fff;
}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(280px,.65fr);gap:56px;align-items:center}
.eyebrow{margin:0 0 14px;color:#a5c7ff;font-size:13px;font-weight:800;letter-spacing:.14em;text-transform:uppercase}
h1,h2,h3{line-height:1.16;letter-spacing:-.035em}
h1{font-size:clamp(2.45rem,6vw,4.9rem);font-weight:650;margin:0;max-width:900px}
.hero .dek{font-size:clamp(1.05rem,2vw,1.28rem);color:rgba(255,255,255,.78);max-width:760px;margin:25px 0 0}
.byline{margin-top:24px;color:rgba(255,255,255,.58);font-size:14px}
.hero-card{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);border-radius:24px;padding:26px;box-shadow:0 22px 60px rgba(0,0,0,.2)}
.hero-card strong{display:block;font-size:18px;margin-bottom:12px}
.hero-card ul{margin:0;padding-left:20px;color:rgba(255,255,255,.78)}
.hero-card li+li{margin-top:8px}
.answer-box{
  margin:-1px 0 0;
  background:#eef5ff;
  border-bottom:1px solid #cddcf2;
}
.answer-inner{padding:30px 0;display:grid;grid-template-columns:190px 1fr;gap:30px;align-items:start}
.answer-label{font-size:13px;letter-spacing:.12em;text-transform:uppercase;font-weight:850;color:#264aa8}
.answer-text{margin:0;font-size:20px;line-height:1.55;color:#172554}
.content-grid{display:grid;grid-template-columns:minmax(0,760px) minmax(230px,1fr);gap:62px;padding:62px 0 86px}
.article-content h2{font-size:clamp(1.75rem,4vw,2.45rem);margin:56px 0 18px;color:#111d2f}
.article-content h2:first-child{margin-top:0}
.article-content h3{font-size:1.27rem;margin:34px 0 10px}
.article-content p{margin:0 0 19px}
.article-content ul,.article-content ol{padding-left:24px;margin:0 0 24px}
.article-content li+li{margin-top:9px}
.article-content blockquote{margin:30px 0;padding:22px 26px;border-left:4px solid var(--indigo);background:#f6f7ff;border-radius:0 16px 16px 0;color:#29364b}
.article-content .note{padding:20px 22px;border:1px solid #f3d29b;background:#fff9ed;border-radius:16px;color:#704214;margin:26px 0}
.article-content .proof{padding:26px;border:1px solid #bcd7d4;background:#f0fdfa;border-radius:18px;margin:32px 0}
.article-content .proof h3{margin-top:0;color:#0f5d57}
table{width:100%;border-collapse:separate;border-spacing:0;margin:28px 0;border:1px solid var(--line);border-radius:16px;overflow:hidden;font-size:15px}
th,td{text-align:left;vertical-align:top;padding:15px;border-bottom:1px solid var(--line)}
th{background:#eef3f9;color:#22314a}
tr:last-child td{border-bottom:0}
.toc,.side-card{border:1px solid var(--line);border-radius:18px;padding:22px;background:#fff;box-shadow:0 8px 25px rgba(15,23,42,.05)}
.side-stack{position:sticky;top:98px;display:grid;gap:18px}
.toc strong,.side-card strong{display:block;margin-bottom:10px}
.toc ul{list-style:none;margin:0;padding:0;font-size:14px}
.toc li+li{margin-top:8px}
.toc a{text-decoration:none;color:#4b5b71}
.side-card p{font-size:14px;color:var(--muted);margin:0 0 15px}
.button{display:inline-flex;align-items:center;justify-content:center;padding:11px 16px;border-radius:999px;background:var(--navy);color:#fff;text-decoration:none;font-size:14px;font-weight:750}
.button:hover{color:#fff;background:#1d3350}
.question-group{scroll-margin-top:96px;margin-bottom:62px}
.question-group>p{color:var(--muted)}
.qa-list{display:grid;gap:16px}
.qa-item{scroll-margin-top:98px;border:1px solid var(--line);border-radius:17px;padding:22px 24px;background:#fff}
.qa-item h3{font-size:1.18rem;margin:0 0 9px;letter-spacing:-.02em}
.qa-item p{margin:0;color:#4b596c}
.qa-item strong{color:#162238}
.article-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin:32px 0}
.article-card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:20px;padding:24px;text-decoration:none;color:inherit;background:#fff;box-shadow:0 10px 30px rgba(15,23,42,.05)}
.article-card:hover{color:inherit;border-color:#9db4f4;transform:translateY(-2px)}
.article-card .tag{font-size:12px;color:#4f46e5;text-transform:uppercase;letter-spacing:.1em;font-weight:800}
.article-card h2,.article-card h3{font-size:1.35rem;margin:10px 0}
.article-card p{margin:0;color:var(--muted);font-size:15px}
.article-card .read{margin-top:auto;padding-top:18px;color:#3156c8;font-size:14px;font-weight:750}
.related{padding:58px 0;background:var(--wash);border-top:1px solid var(--line)}
.related h2{margin:0 0 22px;font-size:2rem}
.site-footer{background:var(--navy);color:#d7e0ea;padding:48px 0}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:42px}
.site-footer h2,.site-footer h3{color:#fff;margin-top:0}
.site-footer p{color:#9eabb9}
.site-footer a{color:#d7e0ea}
.footer-links{list-style:none;margin:0;padding:0}
.footer-links li+li{margin-top:8px}
.small-print{margin-top:34px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12);font-size:13px;color:#8090a2}
.pill-row{display:flex;flex-wrap:wrap;gap:10px;margin:24px 0}
.pill{padding:7px 11px;border-radius:999px;background:#eef2ff;color:#3730a3;font-size:13px;font-weight:700}
.checklist{list-style:none!important;padding:0!important}
.checklist li{position:relative;padding-left:30px}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--good);font-weight:900}
@media(max-width:900px){
  .hero-grid,.content-grid{grid-template-columns:1fr}
  .hero-card{display:none}
  .content-grid{gap:34px}
  .side-stack{position:static}
  .site-nav a:not(.nav-cta){display:none}
  .answer-inner{grid-template-columns:1fr;gap:8px}
}
@media(max-width:650px){
  body{font-size:16px}
  .header-inner,.wrap{width:min(100% - 28px,1160px)}
  .hero{padding:52px 0}
  .article-cards,.footer-grid{grid-template-columns:1fr}
  table{display:block;overflow-x:auto;white-space:normal}
  th,td{min-width:160px}
}