:root{
  --accent:#1F5FFF;--accent-dark:#1546c7;
  --navy:#0f1f3d;--navy2:#16294d;--slate:#33415c;--muted:#64748b;
  --line:#e2e8f0;--bg:#fff;--soft:#f6f8fb;--ok:#0f7b4f;
  --radius:14px;--shadow:0 1px 2px rgba(15,31,61,.06),0 8px 30px rgba(15,31,61,.07);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--slate);background:var(--bg);line-height:1.7;font-size:18px;-webkit-font-smoothing:antialiased}
a{color:var(--accent);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-weight:700;border-radius:10px;padding:12px 20px;cursor:pointer;border:none;font-size:15px;white-space:nowrap}
.btn-cta{background:var(--accent);color:#fff}.btn-cta:hover{background:var(--accent-dark);text-decoration:none}

header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:66px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy);font-size:19px;text-decoration:none}
.brand:hover{text-decoration:none}
.brand .mark{display:inline-flex;width:30px;height:30px;border-radius:8px;background:linear-gradient(135deg,var(--accent),var(--navy));align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:14px}

/* Article */
.art{max-width:760px;margin:0 auto;padding:46px 22px 20px}
.crumb{font-size:13px;color:var(--muted);margin-bottom:16px}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--accent);margin-bottom:12px}
.art h1{color:var(--navy);font-size:38px;line-height:1.15;letter-spacing:-.01em;margin-bottom:14px}
.art .lead{font-size:20px;color:var(--slate);margin-bottom:14px}
.meta{font-size:14px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:22px;margin-bottom:8px}
.art h2{color:var(--navy);font-size:26px;margin:36px 0 10px;letter-spacing:-.01em}
.art h3{color:var(--navy);font-size:19px;margin:22px 0 6px}
.art p{margin-bottom:16px}
.art ul,.art ol{margin:0 0 16px 4px;padding-left:22px}
.art li{margin-bottom:8px}
.checklist{list-style:none;padding-left:0}
.checklist li{display:flex;gap:12px;align-items:flex-start;margin-bottom:12px}
.checklist li::before{content:"✓";color:var(--ok);font-weight:800;flex:0 0 auto;margin-top:1px}
.toc{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;margin:8px 0 26px}
.toc h2{font-size:16px;text-transform:uppercase;letter-spacing:.04em;color:var(--navy);margin:0 0 10px}
.toc ol{margin:0;padding-left:20px}.toc li{margin-bottom:5px;font-size:16px}
.callout{background:#eaf1ff;border-left:4px solid var(--accent);border-radius:10px;padding:16px 20px;margin:18px 0;font-size:16px}
.callout strong{color:var(--navy)}
.cta-box{background:linear-gradient(135deg,var(--navy),var(--navy2));border-radius:18px;padding:34px 32px;color:#fff;margin:38px 0}
.cta-box h2{color:#fff;font-size:23px;margin:0 0 8px}
.cta-box p{color:#bcccea;font-size:16px;margin-bottom:18px}
.cta-links{display:flex;gap:12px;flex-wrap:wrap}
.cta-links a{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);color:#fff;font-weight:700;font-size:15px;border-radius:10px;padding:11px 16px}
.cta-links a:hover{background:rgba(255,255,255,.2);text-decoration:none}
.faq{margin-top:14px}
.faq details{border:1px solid var(--line);border-radius:12px;padding:4px 18px;margin-bottom:12px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:14px 0;list-style:none;display:flex;justify-content:space-between;align-items:center;font-size:17px}
.faq summary::after{content:"+";font-size:22px;color:var(--accent)}.faq details[open] summary::after{content:"–"}
.faq details p{padding:0 0 16px;color:var(--muted);font-size:16px;margin:0}

footer{background:var(--soft);border-top:1px solid var(--line);padding:38px 0 28px;margin-top:40px}
.disclaimer{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;font-size:13px;color:var(--muted);margin-bottom:22px;line-height:1.55}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px;margin-bottom:22px}
.foot-col h4{font-size:13px;text-transform:uppercase;letter-spacing:.04em;color:var(--navy);margin-bottom:11px}
.foot-col a{display:block;font-size:14px;color:var(--muted);margin-bottom:7px}.foot-col a:hover{color:var(--accent)}
.legal{border-top:1px solid var(--line);padding-top:18px;font-size:13px;color:var(--muted);display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
footer p{font-size:14px;color:var(--muted)}
@media(max-width:780px){.art h1{font-size:30px}.foot-grid{grid-template-columns:1fr 1fr}}