:root{
  --ink:#142033;--muted:#5b6678;--paper:#f6f8fb;--card:#fff;--line:#dce3ed;
  --brand:#e76535;--brand-dark:#b9461c;--blue:#2857e0;--nav:#101827;--soft:#fff4ed;
}
*{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(--paper);line-height:1.72}
a{color:var(--blue);text-underline-offset:3px}
a:focus-visible,button:focus-visible{outline:3px solid #ffb000;outline-offset:3px}
.skip{position:absolute;left:-999px;top:0;background:white;padding:12px;z-index:100}
.skip:focus{left:12px;top:12px}
header{background:var(--nav);color:#fff;border-bottom:1px solid #243047;position:sticky;top:0;z-index:30}
.wrap{max-width:1210px;margin:0 auto;padding:0 22px}
.nav{min-height:72px;display:flex;align-items:center;gap:19px}
.brand{color:#fff;text-decoration:none;font-size:1.18rem;font-weight:900;letter-spacing:-.02em;margin-right:auto}
.navlink{color:#dce5f6;text-decoration:none;font-weight:650}
.header-cta{display:inline-flex;align-items:center;justify-content:center;background:var(--brand);color:#fff!important;text-decoration:none!important;font-weight:850;padding:11px 15px;border-radius:9px;white-space:nowrap}
.header-cta:hover,.cta:hover{background:var(--brand-dark)}
.hero{padding:64px 0 30px}
.eyebrow{font-weight:850;color:var(--brand-dark);letter-spacing:.05em;text-transform:uppercase;font-size:.78rem}
h1{font-size:clamp(2.1rem,5vw,4.45rem);line-height:1.04;letter-spacing:-.045em;margin:.18em 0}
.dek{font-size:1.18rem;color:var(--muted);max-width:800px}
.layout{display:grid;grid-template-columns:minmax(0,790px) 300px;gap:42px;align-items:start}
article{background:#fff;border:1px solid var(--line);border-radius:20px;padding:38px;box-shadow:0 8px 28px rgba(20,32,51,.04)}
article h2{font-size:1.7rem;line-height:1.18;margin:2em 0 .55em;letter-spacing:-.025em}
article h3{font-size:1.18rem;line-height:1.3;margin:1.6em 0 .45em}
article p, article li{font-size:1.025rem}
.note{background:var(--soft);border-left:4px solid var(--brand);padding:16px 18px;border-radius:0 10px 10px 0;margin:22px 0}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0}
.cta{display:inline-flex;align-items:center;justify-content:center;background:var(--brand);color:#fff!important;text-decoration:none!important;font-weight:850;padding:14px 19px;border-radius:10px}
.cta.alt{background:var(--blue)}
.disclosure{font-size:.84rem;color:var(--muted)}
.sidebar{position:sticky;top:94px;display:grid;gap:18px}
.side-card{background:var(--nav);color:#fff;border-radius:18px;padding:23px}
.side-card p{color:#d8e0ec}
.side-card .cta{width:100%;text-align:center}
.toc{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px}
.toc strong{display:block;margin-bottom:7px}
.toc a{display:block;margin:5px 0;text-decoration:none}
.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.card{border:1px solid var(--line);border-radius:14px;padding:18px;background:#fff}
.card a{font-weight:800;text-decoration:none}
.table-wrap{overflow:auto}
table{width:100%;border-collapse:collapse;margin:24px 0}th,td{padding:13px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:#f1f4f8}
footer{margin-top:64px;background:var(--nav);color:#d6dfed;padding:46px 0}
footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
.modal-backdrop{position:fixed;inset:0;background:rgba(9,14,24,.72);display:none;place-items:center;padding:20px;z-index:60}
.modal-backdrop.show{display:grid}
.offer-modal{width:min(760px,100%);background:#fff;border-radius:22px;overflow:hidden;box-shadow:0 30px 100px rgba(0,0,0,.35)}
.offer-hero{background:linear-gradient(120deg,#101827,#253a69);color:#fff;padding:28px}
.offer-body{padding:26px}
.close{float:right;border:0;background:transparent;color:inherit;font-size:28px;cursor:pointer}
.offer-benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0}
.offer-benefits div{background:#f5f7fb;padding:13px;border-radius:10px;font-weight:700}
.breadcrumbs{font-size:.9rem;color:var(--muted);margin-top:18px}.breadcrumbs a{text-decoration:none}
@media(max-width:900px){
 .layout{grid-template-columns:1fr}.sidebar{position:static}.navlink{display:none}.hero{padding-top:42px}
 .grid,.footer-grid,.offer-benefits{grid-template-columns:1fr}.header-cta{font-size:.88rem;padding:10px 12px}
 article{padding:25px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}