:root{
  color-scheme:light;
  --navy:#0c315f;
  --navy-2:#174a80;
  --blue:#0d6fb8;
  --blue-soft:#edf7ff;
  --ink:#172b43;
  --muted:#52677c;
  --line:#d5e1ec;
  --paper:#ffffff;
  --wash:#f4f8fc;
  --success:#146c43;
  --warning:#7d5700;
  --shadow:0 14px 36px rgba(23,43,67,.08);
  --radius:18px;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  font-synthesis:none;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--wash);color:var(--ink);font-size:17px;line-height:1.65}
a{color:#075f9e;text-underline-offset:3px}
a:hover{color:#053e69}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #64b5ed;outline-offset:3px;border-radius:4px}
img{max-width:100%;height:auto}
.skip-link{position:absolute;left:16px;top:-80px;z-index:20;padding:10px 14px;border-radius:8px;background:#fff;color:var(--navy);font-weight:800;box-shadow:var(--shadow)}
.skip-link:focus{top:12px}
.site-header{border-bottom:1px solid var(--line);background:rgba(255,255,255,.97)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;width:min(1120px,calc(100% - 36px));margin:auto;min-height:72px}
.brand{color:var(--navy);font-size:23px;font-weight:900;letter-spacing:-.02em;text-decoration:none}
.brand span{color:var(--blue)}
.primary-nav{display:flex;flex-wrap:wrap;align-items:center;justify-content:flex-end;gap:5px 18px}
.primary-nav a{padding:8px 2px;color:#284965;font-size:14px;font-weight:750;text-decoration:none}
.primary-nav a[aria-current="page"]{color:var(--blue);box-shadow:inset 0 -2px currentColor}
.hero{background:linear-gradient(145deg,#092b55 0%,#124a80 70%,#086ea8 100%);color:#fff}
.hero-inner{width:min(1120px,calc(100% - 36px));margin:auto;padding:62px 0 58px}
.breadcrumbs{margin:0 0 24px;font-size:14px;color:#61768b}
.hero .breadcrumbs{color:#d7ebfb}
.breadcrumbs ol{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}
.breadcrumbs li:not(:last-child)::after{content:"/";margin-left:8px;opacity:.65}
.breadcrumbs a{color:inherit}
.eyebrow{margin:0 0 10px;color:#bfe6ff;font-size:13px;font-weight:850;letter-spacing:.12em;text-transform:uppercase}
h1{max-width:920px;margin:0;font-size:clamp(2.15rem,5vw,4.25rem);line-height:1.05;letter-spacing:-.045em;text-wrap:balance}
.hero-lead{max-width:790px;margin:22px 0 0;color:#e9f5ff;font-size:clamp(1.05rem,2vw,1.28rem);line-height:1.55}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:12px 20px;border:1px solid transparent;border-radius:10px;background:#fff;color:var(--navy);font-size:16px;font-weight:850;text-align:center;text-decoration:none}
.button:hover{background:#e9f6ff;color:var(--navy)}
.button.secondary{border-color:rgba(255,255,255,.55);background:transparent;color:#fff}
.button.secondary:hover{background:rgba(255,255,255,.1);color:#fff}
.confidence-row{display:flex;flex-wrap:wrap;gap:9px;margin-top:26px}
.confidence-row span{display:inline-flex;align-items:center;min-height:32px;padding:5px 10px;border:1px solid rgba(255,255,255,.28);border-radius:999px;background:rgba(255,255,255,.08);color:#eef8ff;font-size:13px;font-weight:700}
.page-shell{width:min(1120px,calc(100% - 36px));margin:0 auto;padding:46px 0 70px}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:32px;align-items:start}
.article{min-width:0}
.article>section,.content-card{margin:0 0 24px;padding:clamp(22px,4vw,34px);border:1px solid var(--line);border-radius:var(--radius);background:var(--paper);box-shadow:var(--shadow)}
.article h2,.content-card h2{margin:0 0 14px;color:var(--navy);font-size:clamp(1.45rem,3vw,2rem);line-height:1.2;letter-spacing:-.02em}
.article h3,.content-card h3{margin:26px 0 8px;color:#214665;font-size:1.13rem;line-height:1.3}
.article p,.content-card p{margin:10px 0;color:#344d64}
.article ul,.article ol,.content-card ul{margin:12px 0;padding-left:24px}
.article li,.content-card li{margin:7px 0}
.lede{font-size:1.08rem}
.callout{border-left:5px solid var(--blue);background:var(--blue-soft)}
.callout strong{color:var(--navy)}
.safe-stop{border-left-color:#d69d1f;background:#fff9e9}
.status-line{display:grid;grid-template-columns:auto 1fr;gap:10px 14px;align-items:start;margin-top:18px;padding:14px 16px;border:1px solid #bee0cc;border-radius:12px;background:#f2fbf6}
.status-line strong{color:var(--success)}
.check-list{padding:0!important;list-style:none}
.check-list li{position:relative;padding-left:28px}
.check-list li::before{content:"✓";position:absolute;left:0;color:var(--success);font-weight:900}
.steps{counter-reset:step;padding:0!important;list-style:none}
.steps li{position:relative;margin:14px 0;padding-left:44px}
.steps li::before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-size:14px;font-weight:900}
.sidebar{position:sticky;top:18px;display:grid;gap:18px}
.sidebar-card{padding:22px;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:var(--shadow)}
.sidebar-card h2{margin:0 0 10px;color:var(--navy);font-size:1.12rem}
.sidebar-card p{margin:7px 0;color:var(--muted);font-size:14px}
.sidebar-card ul{margin:10px 0 0;padding:0;list-style:none}
.sidebar-card li{margin:8px 0}
.sidebar .button{width:100%;margin-top:9px;background:var(--blue);color:#fff}
.sidebar .button:hover{background:#075d9a;color:#fff}
.market-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px;margin-top:20px}
.market-card{display:block;padding:20px;border:1px solid var(--line);border-radius:14px;background:#fff;color:inherit;text-decoration:none}
.market-card:hover{border-color:#88b9dd;box-shadow:0 10px 25px rgba(23,74,128,.09);color:inherit}
.market-card strong{display:block;color:var(--navy);font-size:1.08rem}
.market-card span{display:block;margin-top:5px;color:var(--muted);font-size:14px;line-height:1.5}
.comparison-wrap{overflow-x:auto;margin-top:18px}
table{width:100%;border-collapse:collapse;border-spacing:0;font-size:15px}
th,td{padding:13px 14px;border-bottom:1px solid var(--line);vertical-align:top;text-align:left}
th{background:#eef5fb;color:var(--navy);font-size:13px;letter-spacing:.02em}
tbody tr:last-child td{border-bottom:0}
.faq details{border-top:1px solid var(--line)}
.faq details:first-of-type{border-top:0}
.faq summary{padding:16px 34px 16px 0;color:var(--navy);font-weight:800;cursor:pointer;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:12px;font-size:25px;font-weight:400}
.faq details[open] summary::after{content:"−"}
.faq details p{margin:0;padding:0 22px 18px 0}
.source-link{overflow-wrap:anywhere}
.disclaimer{font-size:14px;color:var(--muted)}
.site-footer{border-top:1px solid #31577e;background:#092b55;color:#d9e9f6}
.footer-inner{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:24px;width:min(1120px,calc(100% - 36px));margin:auto;padding:30px 0}
.site-footer strong{color:#fff}
.site-footer p{margin:5px 0;font-size:14px}
.footer-links{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:8px 16px;align-content:start}
.site-footer a{color:#e9f6ff;font-size:14px}
.site-footer .footer-policy-scope{grid-column:1/-1;max-width:960px;margin:0;color:rgba(217,233,246,.86);font-size:12.5px;line-height:1.55;overflow-wrap:anywhere}
.site-footer .footer-policy-scope a{font-size:inherit;font-weight:700}
.visually-hidden{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
@media(max-width:880px){
  .content-grid{grid-template-columns:1fr}
  .sidebar{position:static;grid-template-columns:repeat(2,minmax(0,1fr))}
  .header-inner{align-items:flex-start;flex-direction:column;padding:15px 0}
  .primary-nav{justify-content:flex-start}
}
@media(max-width:640px){
  body{font-size:16px}
  .hero-inner{padding:42px 0 44px}
  .hero-actions{display:grid}
  .button{width:100%}
  .market-grid,.sidebar{grid-template-columns:1fr}
  .article>section,.content-card{padding:21px}
  .footer-inner{grid-template-columns:1fr}
  .footer-links{justify-content:flex-start}
  th,td{padding:11px 10px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}