:root{--bg:#f6f8fb;--ink:#111827;--muted:#5f6b7a;--line:#dfe5ec;--card:#fff;--brand:#183153;--brand2:#f3b61f;--soft:#eef4fb;--danger:#8b2d2d;--max:1180px}
*{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:1.68}
a{color:#0b5cab;text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}.wrap{max-width:var(--max);margin:auto;padding:0 22px}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30}.header-row{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:20px}.brand{display:flex;gap:10px;align-items:center;text-decoration:none;color:var(--ink);font-weight:850;font-size:1.2rem}.mark{width:34px;height:34px;border-radius:9px;background:var(--brand);color:white;display:grid;place-items:center;font-weight:900}.mark b{color:var(--brand2)}
.nav{display:flex;gap:18px;align-items:center}.nav a{color:#263445;text-decoration:none;font-size:.94rem;font-weight:650}.nav-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:8px;padding:8px 10px}
.hero{background:linear-gradient(135deg,#152b46,#244d77);color:#fff;padding:76px 0}.hero .eyebrow{color:#ffd96d}.hero h1{font-size:clamp(2.25rem,5vw,4.6rem);line-height:1.02;letter-spacing:-.045em;max-width:900px;margin:.35em 0}.hero p{max-width:760px;font-size:1.15rem;color:#d9e7f5}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.eyebrow{text-transform:uppercase;letter-spacing:.11em;font-size:.75rem;font-weight:800;color:#55718e}.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 17px;border-radius:9px;text-decoration:none;font-weight:800;border:1px solid transparent}.btn.primary{background:var(--brand2);color:#1b2634}.btn.secondary{background:var(--brand);color:#fff}.hero .btn.secondary{background:#fff;color:#183153}
.content-shell{display:grid;grid-template-columns:minmax(0,1fr) 315px;gap:34px;align-items:start;padding:34px 0 70px}.article{background:#fff;border:1px solid var(--line);border-radius:16px;padding:clamp(24px,4vw,52px)}.article h1{font-size:clamp(2rem,4vw,3.35rem);line-height:1.08;letter-spacing:-.035em;margin:.25em 0}.article h2{font-size:1.7rem;line-height:1.2;margin-top:2.1em}.article h3{font-size:1.15rem;margin-top:1.5em}.article p{font-size:1.03rem;color:#263445}.dek{font-size:1.16rem!important;color:#4b5a6a!important}.crumbs{display:flex;gap:8px;flex-wrap:wrap;font-size:.88rem;color:var(--muted);margin-bottom:25px}.crumbs a{color:var(--muted)}
.offer-card{position:sticky;top:96px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:0 8px 25px rgba(30,50,70,.08)}.offer-card h3{font-size:1.45rem;margin:.3em 0}.offer-card p{color:var(--muted)}.offer-card .btn{width:100%;margin:5px 0 10px}.offer-card small,.final-cta small{display:block;color:var(--muted);font-size:.78rem}
.inline-cta{display:grid;gap:8px;background:var(--soft);border:1px solid #cfddec;border-radius:12px;padding:18px;margin:24px 0}.inline-cta .btn{justify-self:start}.checklist{background:#f9fbfd;border-left:4px solid var(--brand2);padding:14px 20px;border-radius:8px}.checklist li{margin:.5em 0}
.related-grid,.hub-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.related-card,.hub-card{display:block;border:1px solid var(--line);border-radius:10px;padding:16px;text-decoration:none;background:#fff}.related-card:hover,.hub-card:hover{border-color:#aac0d7}.related-card span,.hub-card span{display:block;text-transform:uppercase;letter-spacing:.08em;font-size:.68rem;color:#6b7c8f;font-weight:800}.related-card strong,.hub-card strong{display:block;color:#173553;margin-top:4px}
.final-cta{margin-top:45px;background:#142f4e;color:#fff;padding:28px;border-radius:14px}.final-cta h2{margin-top:0}.final-cta p,.final-cta small{color:#d9e7f5}.final-cta .btn{margin:8px 0 12px}
.category-intro{padding:48px 0 20px}.category-intro h1{font-size:clamp(2.2rem,4vw,3.6rem);line-height:1.05;letter-spacing:-.04em}.category-intro p{max-width:760px;color:var(--muted);font-size:1.1rem}
.footer{background:#0f2238;color:#ccd9e6;padding:45px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:25px}.footer a{color:#d9e7f5}.footer small{display:block;margin-top:25px;color:#93a8bc}
.popup{position:fixed;inset:0;background:rgba(8,18,30,.62);display:none;align-items:center;justify-content:center;padding:20px;z-index:70}.popup.show{display:flex}.popup-card{width:min(620px,100%);background:#fff;border-radius:18px;overflow:hidden;box-shadow:0 24px 90px rgba(0,0,0,.35)}.popup-top{background:linear-gradient(135deg,#173553,#27618d);color:#fff;padding:28px}.popup-body{padding:26px}.popup-body ul{padding-left:20px}.popup-actions{display:flex;gap:10px;flex-wrap:wrap}.close-popup{position:absolute;right:18px;top:14px;border:0;background:rgba(255,255,255,.18);color:#fff;border-radius:50%;width:34px;height:34px;font-size:20px}.popup-relative{position:relative}.disclosure-inline{font-size:.92rem;background:#fff7dc;padding:12px 14px;border-radius:8px}
.notice{background:#fff7dc;border:1px solid #efd57c;padding:14px 16px;border-radius:9px}.table-wrap{overflow:auto}table{border-collapse:collapse;width:100%}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{background:#f2f6fa}
@media(max-width:900px){.content-shell{grid-template-columns:1fr}.offer-card{position:static;order:-1}.nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;padding:15px 22px;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}.nav.open{display:flex}.nav-toggle{display:block}.footer-grid{grid-template-columns:1fr 1fr}.related-grid,.hub-grid{grid-template-columns:1fr}}
@media(max-width:600px){.wrap{padding:0 15px}.article{border-radius:0;border-left:0;border-right:0;padding:24px 18px}.content-shell{padding-top:15px}.footer-grid{grid-template-columns:1fr}.hero{padding:56px 0}}

.header-cta{background:var(--brand2);color:#1b2634!important;padding:9px 13px;border-radius:8px;font-weight:850!important;white-space:nowrap}
.header-cta:hover{text-decoration:none;filter:brightness(.98)}
@media(max-width:900px){.header-cta{width:100%;justify-content:center;display:flex;margin-top:4px}}