:root{
  --ink:#071a3a; --ink-2:#123368; --blue:#0757c9; --blue-2:#0d6efd;
  --sky:#eef6ff; --orange:#ff9d0a; --gold:#ffbd2e; --cream:#fffaf0;
  --paper:#ffffff; --muted:#5d6d82; --line:#dbe6f2; --green:#0c7c59;
  --red:#a53636; --shadow:0 18px 55px rgba(7,26,58,.10);
  --radius:22px; --max:1180px;
}
*{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:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--blue);text-decoration-thickness:1.5px;text-underline-offset:3px}
a:hover{color:#003e9f}
.container{width:min(calc(100% - 40px),var(--max));margin-inline:auto}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:12px;background:#fff;padding:10px 14px;z-index:999;border:2px solid var(--blue);border-radius:10px}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid rgba(219,230,242,.85)}
.nav{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:900;letter-spacing:-.03em;font-size:1.16rem}
.brand img{width:46px;height:46px;object-fit:contain}
.brand span em{font-style:normal;color:var(--blue)}
nav ul{display:flex;align-items:center;gap:26px;list-style:none;margin:0;padding:0}
nav a{text-decoration:none;color:var(--ink);font-weight:700;font-size:.95rem}
nav a:hover,nav a[aria-current="page"]{color:var(--blue)}
.nav-cta{background:var(--ink);color:white!important;padding:10px 16px;border-radius:999px}
.menu-btn{display:none;border:1px solid var(--line);background:#fff;padding:9px 11px;border-radius:10px;font:inherit;font-weight:800;color:var(--ink)}
.hero{position:relative;overflow:hidden;padding:78px 0 58px;background:
radial-gradient(circle at 75% 25%,rgba(255,177,28,.20),transparent 27%),
linear-gradient(145deg,#f8fbff 0%,#fff 53%,#fff8ea 100%)}
.hero:before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;background:rgba(7,87,201,.055);left:-250px;top:-280px}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:56px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-weight:850;text-transform:uppercase;letter-spacing:.11em;font-size:.75rem;color:var(--blue);margin-bottom:14px}
.eyebrow:before{content:"";width:22px;height:3px;background:var(--orange);border-radius:99px}
h1,h2,h3{line-height:1.1;letter-spacing:-.04em;margin-top:0}
h1{font-size:clamp(2.75rem,6vw,5.35rem);margin-bottom:22px}
h2{font-size:clamp(2rem,4vw,3.15rem);margin-bottom:18px}
h3{font-size:1.35rem;margin-bottom:10px}
.lead{font-size:clamp(1.08rem,2vw,1.28rem);color:#334963;max-width:720px}
.hero-actions,.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 19px;border-radius:12px;text-decoration:none;font-weight:850;border:1px solid transparent;cursor:pointer;font:inherit;font-weight:850}
.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:#0049ad;color:#fff}
.btn-dark{background:var(--ink);color:#fff}.btn-dark:hover{background:#102b59;color:#fff}
.btn-light{background:#fff;border-color:var(--line);color:var(--ink)}.btn-light:hover{border-color:#a9bfd7;color:var(--ink)}
.hero-art{background:#fff;border:1px solid var(--line);border-radius:36px;box-shadow:var(--shadow);padding:24px;position:relative}
.hero-art img{display:block;width:min(100%,470px);margin:auto;filter:drop-shadow(0 20px 26px rgba(0,44,104,.12))}
.hero-tag{position:absolute;background:var(--ink);color:#fff;padding:9px 13px;border-radius:12px;font-weight:800;font-size:.8rem;box-shadow:0 8px 20px rgba(7,26,58,.18)}
.hero-tag.t1{left:-18px;top:34px}.hero-tag.t2{right:-16px;bottom:50px;background:var(--orange);color:var(--ink)}
.trust-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line)}
.trust-item{background:#fff;padding:18px 24px;text-align:center;font-weight:780;color:#41536b;font-size:.92rem}
.section{padding:78px 0}
.section.alt{background:#f7faff}
.section.warm{background:var(--cream)}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:34px}
.section-head p{max-width:660px;margin:0;color:var(--muted)}
.kicker{font-weight:850;color:var(--blue);text-transform:uppercase;letter-spacing:.1em;font-size:.75rem;margin-bottom:10px}
.grid{display:grid;gap:20px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:25px;box-shadow:0 5px 20px rgba(7,26,58,.035)}
.card:hover{border-color:#aec6e2}
.card-link{display:block;text-decoration:none;color:inherit;height:100%}
.card-link:hover{color:inherit;transform:translateY(-2px)}
.icon-box{width:45px;height:45px;border-radius:13px;display:grid;place-items:center;background:var(--sky);font-weight:950;color:var(--blue);margin-bottom:18px}
.card p{color:var(--muted);margin-bottom:0}
.article-card{display:flex;flex-direction:column;min-height:250px}
.article-card .meta{margin-top:auto;padding-top:20px}
.chip{display:inline-flex;padding:5px 9px;border-radius:999px;background:var(--sky);color:var(--blue);font-weight:800;font-size:.72rem;margin-bottom:13px}
.meta{font-size:.82rem;color:#74849a}
.feature{display:grid;grid-template-columns:.95fr 1.05fr;gap:42px;align-items:center;background:var(--ink);color:#fff;border-radius:32px;padding:38px;overflow:hidden}
.feature h2{color:#fff}.feature p{color:#d8e3f0}.feature .btn-light{border:0}
.tool-mini{background:#fff;color:var(--ink);padding:28px;border-radius:22px}
.tool-mini ul{padding-left:20px;margin:12px 0 0}.tool-mini li{margin:8px 0}
.rule-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.rule{padding:24px;border-left:4px solid var(--orange);background:#fff;border-radius:0 18px 18px 0;border-top:1px solid var(--line);border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.rule strong{display:block;margin-bottom:6px}
footer{background:#06172f;color:#d9e4f0;padding:54px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,.7fr);gap:36px}
footer .brand{color:#fff;margin-bottom:12px}footer .brand img{background:#fff;border-radius:12px}
footer p{color:#9fb0c4;max-width:480px}
footer h3{font-size:.96rem;letter-spacing:0;color:#fff}
footer ul{list-style:none;padding:0;margin:0}footer li{margin:8px 0}
footer a{color:#cbd9e8;text-decoration:none}footer a:hover{color:#fff}
.legal{border-top:1px solid #1d3452;margin-top:35px;padding-top:22px;color:#8296ad;font-size:.82rem;display:flex;justify-content:space-between;gap:20px}
.page-hero{padding:62px 0 44px;background:linear-gradient(145deg,#f5f9ff,#fffaf0);border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(2.45rem,5.5vw,4.35rem);max-width:900px;margin-bottom:16px}
.page-hero p{max-width:780px;color:#40536c;font-size:1.12rem}
.breadcrumbs{font-size:.84rem;color:#6d7d92;margin-bottom:22px}.breadcrumbs a{color:#586d89}
.guides-controls{display:flex;gap:12px;flex-wrap:wrap;margin:25px 0 32px}
.search{flex:1;min-width:260px;padding:14px 16px;border:1px solid #bdcee1;border-radius:12px;font:inherit;color:var(--ink)}
.filter{padding:14px 16px;border:1px solid #bdcee1;border-radius:12px;background:#fff;font:inherit;color:var(--ink)}
.results-count{color:var(--muted);font-size:.9rem;margin-bottom:18px}
.article-layout{display:grid;grid-template-columns:minmax(0,760px) 310px;gap:54px;align-items:start}
.article{font-size:1.04rem}
.article h2{font-size:2rem;margin-top:48px;margin-bottom:15px}.article h3{font-size:1.25rem;margin-top:28px}
.article p{margin:0 0 18px;color:#263b55}
.article ul,.article ol{padding-left:22px}.article li{margin:10px 0}
.article .lede{font-size:1.2rem;color:#3c5069}
.article .callout{background:#f4f9ff;border:1px solid #cfe0f3;border-radius:18px;padding:24px;margin:26px 0}
.article .warning{background:#fff8ea;border:1px solid #f2d596;border-radius:18px;padding:24px;margin:28px 0}
.article .source-box{background:#f8fafc;border:1px solid var(--line);border-radius:18px;padding:24px;margin-top:42px}
.article .source-box a{word-break:break-word}
.quick-list{display:grid;gap:10px;list-style:none!important;padding:0!important}
.quick-list li{padding:12px 14px;background:#fff;border:1px solid var(--line);border-radius:12px;margin:0!important}
.quick-list li:before{content:"✓";color:var(--green);font-weight:900;margin-right:9px}
.sidebar{position:sticky;top:100px}
.sidebox{border:1px solid var(--line);border-radius:18px;padding:20px;margin-bottom:18px;background:#fff}
.sidebox h3{font-size:1rem;letter-spacing:0}.sidebox p,.sidebox li{font-size:.9rem;color:var(--muted)}
.sidebox ul{padding-left:18px}
.toc a{display:block;padding:5px 0;text-decoration:none;color:#4a607b;font-size:.9rem}
.toc a:hover{color:var(--blue)}
.faq{border-top:1px solid var(--line);padding:19px 0}.faq h3{font-size:1.08rem;margin:0 0 8px;letter-spacing:-.02em}.faq p{margin:0}
.disclaimer{font-size:.85rem;color:#6c7d90;border-left:3px solid #b9c8d9;padding-left:14px}
.tool-wrap{display:grid;grid-template-columns:.86fr 1.14fr;gap:26px;align-items:start}
.tool-panel,.tool-results{background:#fff;border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:0 8px 30px rgba(7,26,58,.05)}
.form-group{margin-bottom:19px}.form-group label{display:block;font-weight:850;margin-bottom:7px}
.form-group select{width:100%;padding:13px 14px;border:1px solid #b9cadc;border-radius:11px;background:#fff;color:var(--ink);font:inherit}
.score-card{border:1px solid var(--line);border-radius:17px;padding:18px;margin:13px 0}
.score-head{display:flex;justify-content:space-between;gap:20px;align-items:center}
.score{font-weight:900;color:var(--blue);white-space:nowrap}
.score-card p{color:var(--muted);margin:8px 0}
.score-card ul{font-size:.9rem;padding-left:18px}
.rank{font-size:.74rem;text-transform:uppercase;letter-spacing:.09em;font-weight:900;color:var(--orange)}
.notice{background:#fff7e6;border:1px solid #efd293;padding:16px;border-radius:14px;font-size:.9rem}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:16px}
table{width:100%;border-collapse:collapse;min-width:680px}
th,td{text-align:left;padding:13px 15px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#f5f8fc;font-size:.82rem;text-transform:uppercase;letter-spacing:.04em}
td{font-size:.93rem}
.prose{max-width:800px}.prose h2{margin-top:42px;font-size:2rem}.prose h3{margin-top:28px}.prose p,.prose li{color:#314760}
.source-list li{margin-bottom:14px}
@media(max-width:900px){
 .hero-grid,.feature,.article-layout,.tool-wrap{grid-template-columns:1fr}
 .hero-art{max-width:560px;margin:auto}.hero-tag{display:none}
 .grid-3,.grid-4,.rule-grid{grid-template-columns:repeat(2,1fr)}
 .sidebar{position:static}.footer-grid{grid-template-columns:1fr 1fr}
 nav{display:none;position:absolute;left:20px;right:20px;top:68px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:15px}
 nav.open{display:block}nav ul{display:block}nav li{margin:8px 0}nav a{display:block;padding:8px}
 .menu-btn{display:block}
}
@media(max-width:620px){
 .container{width:min(calc(100% - 28px),var(--max))}
 .hero{padding-top:52px}.section{padding:58px 0}
 .grid-3,.grid-4,.rule-grid,.trust-grid{grid-template-columns:1fr}
 .trust-grid{gap:0}.trust-item{border-bottom:1px solid var(--line)}
 .section-head{align-items:start;flex-direction:column}
 .footer-grid{grid-template-columns:1fr}.legal{flex-direction:column}
 .feature{padding:25px}.page-hero{padding-top:42px}
 h1{font-size:2.7rem}
}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}