:root{
  --ink:#132238;--muted:#536274;--bg:#f6f8fb;--card:#ffffff;--line:#dce3ea;
  --accent:#e96a23;--accent-dark:#bd4d10;--green:#24735c;--max:1160px;
}
*{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:#fff;line-height:1.62}
a{color:#0b5d93}
img{max-width:100%;height:auto}
.wrap{width:min(var(--max),calc(100% - 36px));margin:auto}
.topbar{background:var(--ink);color:#fff;font-size:.94rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:18px;padding:8px 0}
.topbar a{color:#fff;text-decoration:none;font-weight:800}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:76px}
.brand{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-weight:900;line-height:1.08}
.brand-mark{width:42px;height:42px;border-radius:9px;background:var(--accent);display:grid;place-items:center;color:white;font-weight:900}
.brand small{display:block;color:var(--muted);font-weight:650;font-size:.72rem;margin-top:3px}
.navlinks{display:flex;gap:18px;align-items:center}
.navlinks a{color:var(--ink);text-decoration:none;font-weight:700;font-size:.95rem}
.call-btn,.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--accent);color:white!important;text-decoration:none;font-weight:900;border-radius:8px;padding:12px 18px;box-shadow:0 2px 0 var(--accent-dark)}
.btn.secondary{background:var(--ink);box-shadow:none}
.menu-btn{display:none;border:1px solid var(--line);background:#fff;border-radius:7px;padding:9px 11px;font-weight:800}
.hero{background:linear-gradient(135deg,#eef4f8 0%,#fff8f3 100%);border-bottom:1px solid var(--line);padding:58px 0 48px}
.hero-grid{display:grid;grid-template-columns:1.45fr .75fr;gap:44px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:900;color:var(--accent-dark)}
h1{font-size:clamp(2.15rem,5vw,4rem);line-height:1.04;margin:.2em 0 .35em}
h2{font-size:clamp(1.55rem,3vw,2.3rem);line-height:1.15;margin:1.7em 0 .55em}
h3{font-size:1.2rem;line-height:1.25}
.lead{font-size:1.17rem;color:#34465a;max-width:760px}
.hero-card,.card,.cta,.source-note{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:24px}
.hero-card{box-shadow:0 16px 36px rgba(19,34,56,.08)}
.checks{padding:0;margin:18px 0 0;list-style:none}
.checks li{margin:9px 0;padding-left:27px;position:relative}
.checks li:before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:900}
section{padding:48px 0}
.soft{background:var(--bg)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.card h3{margin-top:0}
.card p:last-child{margin-bottom:0}
.card-link{display:block;color:inherit;text-decoration:none;transition:.15s}
.card-link:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(19,34,56,.08)}
.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;align-items:start}
.article{max-width:820px}
.article p,.article li{font-size:1.03rem}
.article ul{padding-left:1.25rem}
.sidebar{position:sticky;top:108px}
.cta{background:#fff7f1;border-color:#ffd8bf}
.cta strong{display:block;font-size:1.15rem}
.cta .call-btn{width:100%;margin-top:12px}
.breadcrumbs{font-size:.9rem;color:var(--muted);padding-top:20px}
.breadcrumbs a{color:var(--muted)}
.pill{display:inline-block;padding:6px 10px;border-radius:99px;background:#eaf2f7;font-size:.82rem;font-weight:800;margin:0 5px 6px 0}
.table-wrap{overflow-x:auto}
table{border-collapse:collapse;width:100%;margin:20px 0}
th,td{padding:12px;border:1px solid var(--line);text-align:left;vertical-align:top}
th{background:#f1f5f8}
.notice{border-left:4px solid var(--accent);background:#fff7f1;padding:15px 18px;margin:20px 0}
.source-note{font-size:.92rem;background:#f8fafc}
footer{background:var(--ink);color:#dce4ed;padding:44px 0 86px}
footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.footer-grid h3{color:#fff;margin-top:0}
.mobile-call{display:none;position:fixed;left:12px;right:12px;bottom:12px;z-index:40;background:var(--accent);color:#fff!important;text-decoration:none;font-weight:900;text-align:center;padding:14px;border-radius:10px;box-shadow:0 8px 26px rgba(0,0,0,.24)}
.meta{color:var(--muted);font-size:.93rem}
hr{border:0;border-top:1px solid var(--line);margin:32px 0}
@media(max-width:900px){
  .hero-grid,.content-layout,.footer-grid{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr 1fr}
  .sidebar{position:static}
  .navlinks{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;padding:18px;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}
  .navlinks.open{display:flex}
  .menu-btn{display:block}
  .desktop-call{display:none}
  .mobile-call{display:block}
  footer{padding-bottom:100px}
}
@media(max-width:600px){
  .grid-2,.grid-3{grid-template-columns:1fr}
  .topbar .wrap{justify-content:center}
  .topbar span{display:none}
  .hero{padding:38px 0 34px}
  .wrap{width:min(var(--max),calc(100% - 26px))}
}