:root{--ink:#0f1b2d;--muted:#5a6678;--line:#e4e8ee;--bg:#fbfaf7;--card:#fff;--navy:#13294b;--gold:#c8a24a;--gold-d:#9c7a2a;--ok:#1f7a4d;--warn:#fff6e0;--r:14px;--max:1080px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--navy);text-underline-offset:3px}a:hover{color:var(--gold-d)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:5}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:60px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:9px;color:#fff;text-decoration:none;font-weight:800;font-size:1.25rem;letter-spacing:-.02em}
.logo svg{width:28px;height:28px}.logo span b{color:var(--gold)}
nav.main{display:flex;gap:4px;flex-wrap:wrap}nav.main a{color:#dfe6f1;text-decoration:none;padding:6px 10px;border-radius:8px;font-size:.95rem}
nav.main a:hover,nav.main a[aria-current]{background:rgba(255,255,255,.1);color:#fff}
.disclosure-bar{background:var(--warn);border-bottom:1px solid #f0e2b8;font-size:.85rem;color:#5b4a1d}.disclosure-bar .wrap{padding:7px 20px}
.hero{background:linear-gradient(160deg,var(--navy) 0%,#1d3b6b 60%,#24467d 100%);color:#fff;padding:56px 0 64px}
.hero h1{font-size:clamp(1.9rem,5.5vw,3.1rem);line-height:1.12;margin:0 0 14px;letter-spacing:-.02em;max-width:18ch}
.hero p{font-size:1.12rem;color:#d5deeb;max-width:56ch;margin:0 0 26px}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:#1a1405;font-weight:700;padding:13px 20px;border-radius:12px;text-decoration:none;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:#d8b560;color:#1a1405}.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.45)}.btn.ghost:hover{background:rgba(255,255,255,.08);color:#fff}
.btns{display:flex;gap:10px;flex-wrap:wrap}
.trust{display:flex;gap:18px;flex-wrap:wrap;margin-top:28px;font-size:.92rem;color:#c3cfe0}.trust span::before{content:"✓ ";color:var(--gold)}
section.block{padding:48px 0}section.block h2{font-size:1.6rem;margin:0 0 8px;letter-spacing:-.01em}.sub{color:var(--muted);margin:0 0 24px}
.grid{display:grid;gap:16px;grid-template-columns:1fr}
@media(min-width:640px){.grid{grid-template-columns:1fr 1fr}}@media(min-width:960px){.grid.g3{grid-template-columns:1fr 1fr 1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px;text-decoration:none;color:inherit;display:block;transition:box-shadow .15s,transform .15s}
a.card:hover{box-shadow:0 8px 24px rgba(19,41,75,.09);transform:translateY(-2px);color:inherit}
.card h3{margin:0 0 6px;font-size:1.08rem;line-height:1.35}.card p{margin:0;color:var(--muted);font-size:.95rem}
.kicker{font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-d);margin-bottom:6px;display:block}
.facts{display:grid;gap:12px;grid-template-columns:1fr 1fr}@media(min-width:800px){.facts{grid-template-columns:repeat(4,1fr)}}
.fact{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:16px}.fact b{display:block;font-size:1.5rem;color:var(--navy)}.fact span{font-size:.85rem;color:var(--muted)}
main.article{padding:32px 0 56px}.article .wrap{max-width:760px}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:10px}.crumbs a{color:var(--muted)}
.article h1{font-size:clamp(1.7rem,4.6vw,2.4rem);line-height:1.18;letter-spacing:-.02em;margin:0 0 10px}
.meta{font-size:.88rem;color:var(--muted);margin-bottom:22px}.lead{font-size:1.15rem;color:#2b3a4e}
.article h2{margin-top:36px;font-size:1.35rem}.article h3{margin:0 0 4px;font-size:1.08rem}
.table-wrap{overflow-x:auto;margin:16px 0;border:1px solid var(--line);border-radius:12px;background:#fff}
table{border-collapse:collapse;width:100%;font-size:.94rem}th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#f3f5f9;font-weight:700}tr:last-child td{border-bottom:0}
.note{font-size:.86rem;color:var(--muted);background:#f4f6f9;border-radius:10px;padding:10px 12px}
.formula{background:#fff;border:1.5px dashed var(--gold);border-radius:12px;padding:16px;font-weight:600;margin:12px 0}
ol.steps{padding-left:22px}ol.steps li{margin-bottom:14px}
.cta{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:12px;padding:16px 18px;margin:22px 0;display:flex;flex-direction:column;gap:10px}
.cta .row{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}.cta strong{font-size:1.05rem}
.badge{display:inline-block;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;background:var(--warn);color:#6b5414;border:1px solid #ecd9a4;border-radius:6px;padding:2px 7px}
.cta small{color:var(--muted);font-size:.8rem;line-height:1.45}
.sources{margin-top:40px;padding-top:16px;border-top:1px solid var(--line);font-size:.88rem}.sources h2{font-size:1.05rem!important;margin-top:0!important}.sources li{margin-bottom:4px;word-break:break-word}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin-bottom:10px}.faq summary{font-weight:700;cursor:pointer}.faq details p{margin:10px 0 0}
.nl{background:var(--navy);color:#fff;border-radius:18px;padding:28px}.nl p{color:#d5deeb}
.nl form{display:flex;gap:10px;flex-wrap:wrap;margin-top:12px}.nl input[type=email]{flex:1 1 220px;padding:13px 14px;border-radius:12px;border:0;font-size:1rem}
.nl .btn[disabled]{opacity:.65;cursor:not-allowed}
.compare td:first-child{font-weight:600;white-space:nowrap}
footer.site{background:#0d1d36;color:#aab6c8;font-size:.9rem;padding:36px 0 28px;margin-top:20px}footer.site a{color:#dfe6f1}
footer.site .cols{display:grid;gap:20px;grid-template-columns:1fr}@media(min-width:760px){footer.site .cols{grid-template-columns:2fr 1fr 1fr}}
footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin:4px 0}.fine{margin-top:22px;font-size:.8rem;color:#8593a8}
.placeholder{background:#fff3f3;border:1px dashed #d88;padding:12px;border-radius:10px}
@media(max-width:640px){header.site{position:static}header.site .wrap{padding-top:8px;padding-bottom:8px;gap:6px}nav.main{flex-wrap:nowrap;overflow-x:auto;width:100%;scrollbar-width:none}nav.main a{white-space:nowrap;padding:5px 9px}.hero{padding:40px 0 48px}}