:root{
  --ink:#152033;--muted:#5d6878;--paper:#ffffff;--soft:#f5f7fb;
  --line:#dce2ea;--fuel:#f5b51b;--fuel2:#ffd45a;--deep:#101828;--teal:#186b6b;
  --max:1180px;--radius:18px;--shadow:0 16px 45px rgba(16,24,40,.08)
}
*{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:1.7}
a{color:#0d5f73;text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:#083e4a}.wrap{max-width:var(--max);margin:auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px;z-index:9999}.skip:focus{left:10px}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.navbar{min-height:74px;display:flex;align-items:center;gap:26px}
.brand{display:flex;align-items:center;gap:10px;font-weight:900;font-size:1.22rem;color:var(--deep);text-decoration:none}
.brand-mark{width:35px;height:35px;border-radius:10px;display:grid;place-items:center;background:linear-gradient(135deg,var(--fuel),var(--fuel2));font-weight:1000;color:#2b2107}
nav{margin-left:auto}nav ul{display:flex;align-items:center;gap:22px;margin:0;padding:0;list-style:none}
nav a{text-decoration:none;color:#283548;font-weight:700;font-size:.94rem}
.cta{display:inline-flex;justify-content:center;align-items:center;gap:8px;background:linear-gradient(135deg,var(--fuel),var(--fuel2));color:#2b2107!important;border:1px solid #d79500;border-radius:12px;padding:11px 16px;font-weight:850;text-decoration:none;box-shadow:0 7px 20px rgba(245,181,27,.22)}
.cta:hover{transform:translateY(-1px)}.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 10px}
.hero{background:radial-gradient(circle at 85% 15%,rgba(245,181,27,.25),transparent 25%),linear-gradient(180deg,#fff,#f8fafc);padding:72px 0 58px;border-bottom:1px solid var(--line)}
.eyebrow{display:inline-block;text-transform:uppercase;letter-spacing:.12em;font-size:.75rem;font-weight:900;color:#6b5205;margin-bottom:12px}
.hero h1,.article h1{font-size:clamp(2.25rem,5vw,4.7rem);line-height:1.02;letter-spacing:-.045em;margin:.15em 0 .28em}
.hero p{max-width:760px;font-size:1.18rem;color:var(--muted)}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.secondary{display:inline-flex;align-items:center;padding:11px 16px;border:1px solid var(--line);border-radius:12px;text-decoration:none;font-weight:800;color:var(--ink)}
.disclosure{font-size:.78rem;color:#667085;margin-top:10px}
.section{padding:58px 0}.section.alt{background:var(--soft)}
.grid{display:grid;gap:20px}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 8px 26px rgba(16,24,40,.04)}
.card h3{margin-top:0;line-height:1.25}.card p{color:var(--muted)}.card a.stretch{font-weight:850}
.article-shell{display:grid;grid-template-columns:minmax(0,760px) 310px;gap:42px;padding:48px 0 70px}
.article h1{font-size:clamp(2.1rem,4vw,3.55rem)}.dek{font-size:1.18rem;color:var(--muted);margin-bottom:12px}
.breadcrumbs{font-size:.83rem;color:#6b7280;margin-bottom:18px}.breadcrumbs a{color:#566273}
.article h2{font-size:1.8rem;line-height:1.2;margin:2.1em 0 .5em;letter-spacing:-.02em}
.article h3{font-size:1.23rem;margin:1.5em 0 .35em}.article p,.article li{font-size:1.02rem}
.article ul,.article ol{padding-left:22px}
.takeaway{border-left:5px solid var(--fuel);background:#fff9e7;border-radius:0 14px 14px 0;padding:18px 20px;margin:26px 0}
.compare{width:100%;border-collapse:collapse;margin:24px 0;font-size:.94rem}.compare th,.compare td{padding:13px;border:1px solid var(--line);vertical-align:top}.compare th{background:#f7f9fc;text-align:left}
.cta-panel{background:linear-gradient(135deg,#131d2d,#25344d);color:#fff;border-radius:20px;padding:28px;margin:32px 0;box-shadow:var(--shadow)}
.cta-panel h2,.cta-panel h3{color:#fff;margin-top:0}.cta-panel p{color:#d9e0ea}.cta-panel .disclosure{color:#b7c2d1}
.sidebar{position:relative}.side-inner{position:sticky;top:98px}.side-card{border:1px solid var(--line);border-radius:18px;padding:22px;background:#fff;box-shadow:var(--shadow);margin-bottom:18px}
.side-card h3{margin:.1em 0 .4em}.side-card p{font-size:.91rem;color:var(--muted)}
.side-nav ul{padding-left:18px;margin:8px 0}.side-nav li{margin:7px 0;font-size:.9rem}
.hub-intro{max-width:760px}.tag{display:inline-block;font-size:.75rem;font-weight:850;background:#eef3f7;border-radius:99px;padding:4px 9px;color:#455468}
.footer{background:#101828;color:#d6dce6;padding:48px 0 96px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:24px}.footer a{color:#e7edf6}.footer h3{color:#fff}
.mobile-cta{display:none}
.source-note{font-size:.83rem;color:#667085;border-top:1px solid var(--line);padding-top:16px;margin-top:30px}
.badge-row{display:flex;gap:8px;flex-wrap:wrap;margin:18px 0}.badge{background:#edf6f5;border:1px solid #c9e2de;color:#245f58;border-radius:999px;padding:6px 10px;font-size:.8rem;font-weight:800}
.notice{border:1px solid #f2d379;background:#fff8df;border-radius:14px;padding:16px 18px}
.kpi{font-size:2rem;font-weight:950;letter-spacing:-.04em}
@media(max-width:900px){
  nav{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:18px 24px}
  nav.open{display:block}nav ul{display:grid;gap:10px}.desktop-cta{display:none}.menu-btn{display:block}
  .article-shell{grid-template-columns:1fr}.sidebar{display:none}.grid-3,.grid-2,.footer-grid{grid-template-columns:1fr}
  .mobile-cta{display:flex;position:fixed;left:12px;right:12px;bottom:12px;z-index:120;box-shadow:0 10px 30px rgba(0,0,0,.18)}
  .footer{padding-bottom:115px}.hero{padding-top:46px}
}