:root{--ink:#13202a;--muted:#5b6670;--paper:#f6f2ea;--surface:#fff;--line:#ded8ce;--orange:#e75d2b;--orange2:#b93f18;--navy:#17242e;--navy2:#22323e;--green:#1e6d5a;--shadow:0 18px 55px rgba(21,30,36,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.72}
a{color:#9d3817;text-decoration-thickness:.08em;text-underline-offset:.16em}a:hover{color:#6e240d}.site-header{position:sticky;top:0;z-index:30;background:rgba(23,36,46,.98);border-bottom:1px solid rgba(255,255,255,.08)}.nav-wrap{max-width:1260px;margin:auto;padding:12px 24px;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:10px;color:white;text-decoration:none;font-weight:850;letter-spacing:-.02em;white-space:nowrap}.mark{display:grid;place-items:center;width:38px;height:38px;border-radius:11px;background:var(--orange);color:white;font-size:.86rem}.main-nav{margin-left:auto;display:flex;align-items:center;gap:18px}.main-nav>a{color:#eaf0f3;text-decoration:none;font-weight:700;font-size:.93rem}.main-nav>a:hover{color:#fff}.header-cta{background:var(--orange);padding:10px 14px;border-radius:10px;color:white!important;box-shadow:0 8px 24px rgba(231,93,43,.24)}.menu-btn{display:none;margin-left:auto;background:transparent;border:1px solid #ffffff55;color:#fff;border-radius:8px;padding:8px 11px}
.container{max-width:1230px;margin:auto;padding:46px 24px 72px}.content-layout{display:grid;grid-template-columns:minmax(0,820px) 300px;gap:48px;align-items:start}.article{background:var(--surface);border-radius:22px;padding:48px;box-shadow:var(--shadow);overflow:hidden}.sidebar{position:sticky;top:94px}.breadcrumbs{display:flex;gap:9px;align-items:center;flex-wrap:wrap;font-size:.88rem;color:var(--muted);margin-bottom:26px}.breadcrumbs a{color:var(--muted)}.eyebrow,.section-label,.offer-kicker{text-transform:uppercase;letter-spacing:.13em;font-size:.77rem;font-weight:900;color:var(--orange)}h1{font-size:clamp(2.5rem,5.2vw,4.65rem);line-height:.99;letter-spacing:-.048em;margin:.2em 0 .34em;max-width:14ch}h2{font-size:clamp(1.6rem,3vw,2.25rem);line-height:1.12;letter-spacing:-.025em;margin:2.2em 0 .65em}h3{font-size:1.18rem;margin-top:1.6em}.lede{font-size:1.22rem;color:#374653;max-width:65ch}.disclosure,.fineprint{font-size:.9rem;color:var(--muted)}.disclosure{border-left:4px solid var(--orange);padding-left:14px}.article p,.article li{max-width:72ch}.checklist li,.article ol li{margin:.5em 0}
.button{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;font-weight:850;border-radius:11px;padding:13px 17px;line-height:1.2}.primary{background:var(--orange);color:#fff!important}.primary:hover{background:var(--orange2)}.wide{width:100%}.top-offer{display:flex;justify-content:space-between;gap:22px;align-items:center;background:#fff3e9;border:1px solid #f4c4aa;border-radius:14px;padding:17px 18px;margin:28px 0}.top-offer div{display:grid}.top-offer span{font-size:.9rem;color:var(--muted)}
.offer-card{background:linear-gradient(155deg,var(--navy),var(--navy2));color:white;padding:25px;border-radius:20px;box-shadow:var(--shadow)}.offer-card h2{font-size:1.45rem;margin:.45em 0}.offer-card p,.offer-card li{font-size:.94rem;color:#e1e8ec}.offer-card ul{padding-left:20px}.offer-card small{display:block;color:#b9c5cc;margin-top:12px}.offer-card.compact{margin:50px 0 0}.bottom-offer .offer-card.compact{display:none}
.offer-inline{background:#f2f7f5;border:1px solid #c9ded7;border-radius:18px;padding:25px;margin:42px 0}.offer-inline h2{margin-top:.4em}.sources{border-top:1px solid var(--line);margin-top:44px;padding-top:2px}.related{margin-top:55px;border-top:1px solid var(--line);padding-top:30px}.related h2{margin-top:.25em}.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.related-card{display:grid;text-decoration:none;border:1px solid var(--line);border-radius:13px;padding:16px;background:#fbfaf7}.related-card span{font-size:.76rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}.related-card strong{color:var(--ink);line-height:1.25;margin-top:5px}
.site-footer{background:var(--navy);color:#c9d2d8;padding:48px 24px 22px}.footer-grid{max-width:1180px;margin:auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px}.footer-grid>div{display:flex;flex-direction:column;gap:8px}.footer-grid a{color:#e8eef1;text-decoration:none}.footer-grid strong{color:#fff;margin-bottom:5px}.footer-brand{margin-bottom:7px}.copyright{max-width:1180px;margin:36px auto 0;padding-top:18px;border-top:1px solid #ffffff1a;font-size:.85rem}
.popup-shell{position:fixed;inset:0;z-index:100;display:grid;place-items:center;padding:20px}.popup-shell[hidden]{display:none}.popup-backdrop{position:absolute;inset:0;background:#0d151bcc}.popup-card{position:relative;width:min(860px,96vw);display:grid;grid-template-columns:.9fr 1.1fr;background:#fff;border-radius:24px;overflow:hidden;box-shadow:0 30px 100px #0008}.popup-graphic{background:linear-gradient(145deg,#17242e,#263b49);color:white;display:grid;place-content:center;text-align:center;padding:35px}.gear{font-size:6rem}.flow{font-weight:900;letter-spacing:.04em;font-size:.8rem}.popup-copy{padding:42px}.popup-copy h2{margin:.3em 0}.popup-close{position:absolute;right:13px;top:10px;border:0;background:#0000;font-size:30px;cursor:pointer}.trust-row{display:flex;flex-wrap:wrap;gap:9px;margin:18px 0}.trust-row span{background:#eef4f2;padding:6px 9px;border-radius:8px;font-size:.82rem}
.hero{background:var(--navy);color:white;border-radius:24px;padding:58px;margin-bottom:30px;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;width:330px;height:330px;border:55px solid var(--orange);border-radius:50%;right:-150px;top:-120px;opacity:.22}.hero h1{max-width:12ch}.hero p{font-size:1.2rem;color:#d8e1e6;max-width:62ch}.home-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.cluster-card{background:white;border-radius:17px;padding:26px;box-shadow:0 8px 30px #0000000a}.cluster-card h2{margin:.15em 0}.cluster-card ul{padding-left:18px}.cluster-card li{margin:.35em 0}
@media(max-width:980px){.content-layout{grid-template-columns:1fr}.sidebar{display:none}.bottom-offer .offer-card.compact{display:block}.main-nav{display:none;position:absolute;top:64px;left:16px;right:16px;background:var(--navy);padding:18px;border-radius:14px;flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.menu-btn{display:block}.header-cta{text-align:center}.article{padding:30px}.footer-grid{grid-template-columns:1fr 1fr}.popup-card{grid-template-columns:1fr}.popup-graphic{display:none}}
@media(max-width:620px){.container{padding:24px 14px 50px}.article{padding:22px 19px;border-radius:16px}.brand span:last-child{display:none}.top-offer{align-items:stretch;flex-direction:column}.related-grid,.home-grid,.footer-grid{grid-template-columns:1fr}.hero{padding:34px 24px}.popup-copy{padding:30px 22px}.trust-row{display:grid}.button{width:100%}}