:root{--ink:#152238;--muted:#64748b;--navy:#101b31;--blue:#2764e7;--mint:#56dfa6;--paper:#f6f8fc;--line:#e4eaf2;--card:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.72 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{color:#205ac9}img{max-width:100%}.site-header{position:sticky;top:0;z-index:40;background:rgba(16,27,49,.97);backdrop-filter:blur(12px);border-bottom:1px solid #ffffff16}.nav{max-width:1240px;margin:auto;display:flex;align-items:center;gap:22px;padding:12px 22px}.brand{font-weight:900;font-size:24px;color:#fff;text-decoration:none;white-space:nowrap}.brand b{color:var(--mint)}.navlinks{display:flex;gap:17px;margin-left:auto;align-items:center}.navlinks a{color:#d9e2f0;text-decoration:none;font-weight:700;font-size:14px}.header-cta{background:var(--mint)!important;color:#071811!important;padding:10px 15px;border-radius:9px}
.wrap{max-width:1240px;margin:auto;padding:30px 22px 58px}.breadcrumbs{font-size:13px;color:var(--muted);margin:6px 0 20px}.breadcrumbs a{text-decoration:none}.hero{background:linear-gradient(135deg,#172554,#123e6a);color:white;border-radius:26px;padding:48px;box-shadow:0 18px 50px #0f172a18}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:12px;font-weight:900;color:var(--mint)}.hero h1{font-size:clamp(38px,5.8vw,67px);line-height:1.04;letter-spacing:-.035em;margin:8px 0 18px;max-width:960px}.hero p{font-size:19px;max-width:780px;color:#dbe5f4}.cta{display:inline-flex;align-items:center;justify-content:center;background:var(--mint);color:#071b12!important;font-weight:900;text-decoration:none;border-radius:11px;padding:13px 19px}.cta.alt{background:#e9effd;color:#183a86!important}.disclosure{font-size:12px;color:#718096;margin-top:8px}.hero .disclosure{color:#b8c8dc}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:36px;margin-top:30px}article{background:#fff;border:1px solid var(--line);border-radius:22px;padding:42px;box-shadow:0 9px 30px #0f172a0a}article h2{font-size:30px;line-height:1.18;letter-spacing:-.02em;margin:42px 0 14px}article h3{font-size:21px;line-height:1.25;margin:28px 0 8px}article p,article li{color:#334155}.lede{font-size:20px;color:#3f4d65!important}.note{padding:20px 22px;background:#f1f5f9;border-left:4px solid var(--blue);border-radius:10px;margin:25px 0}.moneybox{padding:25px;background:linear-gradient(135deg,#eef4ff,#effcf6);border:1px solid #d7e4f6;border-radius:18px;margin:30px 0}.moneybox h3{margin-top:0}.sidebar .card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;margin-bottom:18px}.sidebar .sticky{position:sticky;top:82px}.sidebar h3{margin:0 0 8px}.sidebar ul{padding-left:20px}.sidebar li{margin:7px 0}.related{display:grid;grid-template-columns:1fr 1fr;gap:12px}.related a{display:block;padding:14px;border:1px solid var(--line);border-radius:11px;text-decoration:none;font-weight:750;background:#fbfcfe}.toc{background:#f8fafc;border:1px solid var(--line);border-radius:14px;padding:18px 22px}.toc a{text-decoration:none}.pill{display:inline-block;background:#e9effd;color:#274f9e;border-radius:999px;padding:5px 10px;font-weight:800;font-size:12px;margin:3px 4px 3px 0}
.site-footer{background:var(--navy);color:#bdc8d8;padding:42px 22px}.footer-in{max-width:1240px;margin:auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.site-footer a{color:#e2e8f0}.footer-brand{font-size:23px;font-weight:900;color:white}.popup{position:fixed;inset:0;display:none;align-items:center;justify-content:center;background:#091121d9;z-index:80;padding:18px}.popup.show{display:flex}.popup-card{max-width:580px;background:#fff;border-radius:24px;padding:34px;position:relative;box-shadow:0 35px 90px #0008}.popup-card h2{font-size:30px;line-height:1.15;margin:8px 0}.close{position:absolute;right:16px;top:11px;border:0;background:transparent;font-size:30px;cursor:pointer}
.mobile-cta{display:none}
@media(max-width:900px){.navlinks a:not(.header-cta){display:none}.layout{grid-template-columns:1fr}.sidebar .sticky{position:static}.hero{padding:34px 25px}.wrap{padding:22px 13px 72px}article{padding:27px}.footer-in{grid-template-columns:1fr}.related{grid-template-columns:1fr}.mobile-cta{display:flex;position:fixed;left:10px;right:10px;bottom:10px;z-index:45;background:var(--mint);color:#071b12!important;text-decoration:none;font-weight:900;justify-content:center;padding:13px;border-radius:12px;box-shadow:0 12px 30px #0f172a55}}