:root{
 --ink:#14243a;--muted:#66758a;--bg:#f6f8fb;--card:#fff;--line:#dfe6ef;
 --blue:#2457d6;--blue2:#173c9c;--teal:#0d7c73;--warn:#fff8e8;--soft:#edf3ff;
 --shadow:0 10px 35px rgba(20,36,58,.07)
}
*{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(--bg);line-height:1.72}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:1180px;margin:auto;padding:0 22px}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.navbar{min-height:72px;display:flex;align-items:center;gap:20px}.brand{font-size:23px;font-weight:900;letter-spacing:-.5px;color:var(--ink);white-space:nowrap}.brand span{color:var(--blue)}
.mainnav{display:flex;align-items:center;gap:19px;margin-left:auto}.mainnav a{color:var(--ink);font-weight:700;font-size:14px}.header-cta{background:var(--blue)!important;color:#fff!important;padding:10px 14px;border-radius:10px}.header-cta:hover{text-decoration:none!important;background:var(--blue2)!important}
.hero{background:linear-gradient(135deg,#edf3ff 0%,#f4fffd 100%);border-bottom:1px solid var(--line);padding:70px 0 52px}.hero h1{font-size:clamp(40px,6vw,72px);line-height:1.02;letter-spacing:-2px;max-width:940px;margin:0 0 22px}.hero p{font-size:20px;color:var(--muted);max-width:790px}
.eyebrow{display:inline-block;background:#dce8ff;color:#173c9c;padding:6px 11px;border-radius:99px;font-size:13px;font-weight:800;margin-bottom:18px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 305px;gap:34px;padding:38px 0 20px}
.article,.card,.hub-card{background:#fff;border:1px solid var(--line);border-radius:17px;box-shadow:var(--shadow)}
.article{padding:34px}.article h1{font-size:46px;line-height:1.08;letter-spacing:-1.1px;margin:6px 0 12px}.article h2{font-size:29px;line-height:1.2;margin:42px 0 13px}.article h3{font-size:21px;margin:26px 0 8px}.article p,.article li{font-size:17px}.article ul{padding-left:24px}
.deck{font-size:20px;color:var(--muted);margin:0 0 24px}.meta{font-size:13px;color:var(--muted);font-weight:700}
.breadcrumbs{font-size:13px;color:var(--muted);margin-bottom:10px}.breadcrumbs a{color:var(--muted)}
.card{padding:24px}.sticky{position:sticky;top:95px}.sticky h3{margin:0 0 8px;font-size:24px}.sticky p{font-size:15px}
.cta{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:#fff!important;padding:13px 18px;border-radius:10px;font-weight:850;border:0}.cta:hover{text-decoration:none;background:var(--blue2)}
.cta.secondary{background:#fff;color:var(--blue)!important;border:1px solid #a9bce9}.cta.secondary:hover{background:#f7f9ff}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0}.notice{background:var(--warn);border-left:4px solid #e6a21a;padding:16px 18px;border-radius:9px;margin:25px 0}.factbox{background:var(--soft);padding:18px 20px;border-radius:12px;margin:24px 0}
.disclosure{font-size:13px;color:var(--muted)}
.related{display:grid;grid-template-columns:repeat(2,1fr);gap:13px;margin:20px 0}.related a{display:block;padding:15px;border:1px solid var(--line);border-radius:11px;background:#fbfcfe;font-weight:750}
.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:25px 0}.hub-card{padding:20px}.hub-card h3{margin-top:0}.hub-card p{font-size:15px;color:var(--muted)}
.moneybox{border:1px solid #b7c9ef;background:linear-gradient(135deg,#f7faff,#eef5ff);padding:22px;border-radius:15px;margin:30px 0}.moneybox h3{margin-top:0}
.site-footer{background:#0d1c31;color:#dce5f1;margin-top:48px;padding:44px 0}.site-footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:35px}.site-footer .cta{margin-top:8px}
.popup{position:fixed;inset:0;background:rgba(6,16,31,.7);z-index:50;display:none;align-items:center;justify-content:center;padding:18px}.popup.show{display:flex}.popbox{width:min(660px,100%);background:#fff;border-radius:20px;padding:32px;position:relative;box-shadow:0 30px 80px rgba(0,0,0,.25)}.popbox h2{font-size:31px;line-height:1.1;margin:8px 0}.close{position:absolute;right:14px;top:10px;border:0;background:transparent;font-size:29px;cursor:pointer}
.mobile-menu{display:none}.toc{background:#fbfcfe;border:1px solid var(--line);padding:17px;border-radius:11px}.toc strong{display:block;margin-bottom:7px}.toc a{display:block;font-size:14px;margin:4px 0}
@media(max-width:900px){.mainnav a:not(.header-cta){display:none}.layout{grid-template-columns:1fr}.sticky{position:static}.hub-grid{grid-template-columns:1fr 1fr}.article h1{font-size:38px}.footer-grid{grid-template-columns:1fr}.hero{padding-top:45px}.sidebar{order:-1}}
@media(max-width:600px){.wrap{padding:0 16px}.article{padding:22px}.hub-grid,.related{grid-template-columns:1fr}.hero h1{letter-spacing:-1px}.mainnav{gap:8px}.header-cta{font-size:13px;padding:9px 11px}}