:root{--ink:#0b1020;--navy:#111b55;--blue:#3f63ff;--soft:#f5f7fc;--line:#dfe4ef;--muted:#56617d;--white:#fff;--max:1180px;--reading:760px}
*{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:#fff;line-height:1.72}
a{color:var(--navy)}img{max-width:100%;height:auto}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.reading{width:min(var(--reading),100%)}header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}
.nav{height:68px;display:flex;align-items:center;gap:28px}.brand{font-weight:850;text-decoration:none;font-size:20px;letter-spacing:-.03em}.brand span{color:var(--blue)}nav{margin-left:auto;display:flex;gap:24px;align-items:center}nav a{text-decoration:none;font-size:14px;font-weight:650;color:#263156}.btn{display:inline-block;background:var(--navy);color:#fff!important;text-decoration:none;font-weight:750;padding:11px 18px;border-radius:7px}.btn.alt{background:var(--blue)}.menu{display:none;border:0;background:none;font-size:25px}
.hero{background:linear-gradient(180deg,#fff 0,#f6f8fe 100%);padding:76px 0 64px}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:70px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.2em;color:var(--blue);font-size:12px;font-weight:800}.hero h1{font-size:clamp(42px,6vw,72px);line-height:1.03;letter-spacing:-.055em;margin:18px 0 24px}.hero p{font-size:19px;color:#3c486b;max-width:720px}.actions{display:flex;gap:14px;align-items:center;margin:28px 0 12px}.fine{font-size:12px;color:#697492}.visual{border:5px solid var(--navy);border-radius:28px;overflow:hidden;box-shadow:0 22px 50px rgba(17,27,85,.14);background:#fff}.visual svg{display:block;width:100%}
section{padding:64px 0}.section-title{font-size:36px;line-height:1.15;letter-spacing:-.035em;margin:0 0 16px}.lede{font-size:19px;color:#4c5876}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}.rule{border-top:1px solid var(--line);padding-top:24px}.rule h3{font-size:20px;margin:0 0 8px}.rule p{color:#56617d}.dark{background:var(--navy);color:#fff}.dark p{color:#dbe1ff}.article-head{padding:62px 0 34px;background:var(--soft);border-bottom:1px solid var(--line)}.article-head h1{font-size:clamp(38px,5vw,58px);line-height:1.08;letter-spacing:-.045em;margin:12px 0 18px;max-width:900px}.article{padding:50px 0 80px}.article h2{font-size:30px;line-height:1.2;letter-spacing:-.025em;margin:48px 0 14px}.article h3{font-size:22px;margin:32px 0 10px}.article p,.article li{font-size:17px;color:#252d45}.article ul{padding-left:24px}.note{border-left:4px solid var(--blue);padding:14px 18px;background:#f6f8ff;margin:26px 0}.cta{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:28px 0;margin:36px 0}.cta strong{font-size:21px}.disclosure{font-size:13px;color:#65708d;margin-top:12px}.breadcrumbs{font-size:13px;color:#6b7590;margin-bottom:14px}.breadcrumbs a{color:#56617d}.toc{background:var(--soft);padding:22px 26px;margin:28px 0}.toc strong{display:block;margin-bottom:8px}.toc a{display:block;margin:5px 0}
footer{border-top:1px solid var(--line);padding:38px 0;color:#697492;font-size:13px}.foot{display:flex;justify-content:space-between;gap:30px}.foot a{color:#56617d;margin-right:16px}
.modal-back{position:fixed;inset:0;background:rgba(4,8,25,.68);display:none;align-items:center;justify-content:center;z-index:100;padding:20px}.modal-back.show{display:flex}.modal{background:#fff;width:min(560px,100%);padding:34px;border-radius:14px;box-shadow:0 30px 90px rgba(0,0,0,.3);position:relative}.modal h2{font-size:32px;line-height:1.1;margin:0 0 12px}.close{position:absolute;right:16px;top:12px;border:0;background:none;font-size:28px;cursor:pointer}.modal p{color:#4f5b78}.modal .disclosure{margin-bottom:0}
@media(max-width:850px){.hero-grid{grid-template-columns:1fr;gap:36px}.grid3{grid-template-columns:1fr}.menu{display:block;margin-left:auto}nav{display:none;position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);padding:18px 20px;flex-direction:column;align-items:flex-start}nav.open{display:flex}.hero{padding-top:48px}.foot{flex-direction:column}.wrap{width:min(var(--max),calc(100% - 30px))}}