:root{
 --ink:#172433;--muted:#607080;--paper:#fffdfa;--surface:#fff;--soft:#f3f7f9;
 --orange:#d86f2b;--orange2:#b95217;--blue:#146b9d;--line:#dbe4e9;--good:#1f7655;
 --shadow:0 12px 30px rgba(20,37,52,.08);--radius:16px
}
*{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:1.68}
a{color:var(--blue)}img{max-width:100%}.wrap{max-width:1180px;margin:auto;padding:0 22px}
.disclosure{font-size:.86rem;color:var(--muted);border-bottom:1px solid var(--line);padding:8px 0;background:#fff}
.site-header{border-bottom:1px solid var(--line);background:rgba(255,255,255,.97);position:sticky;top:0;z-index:20;backdrop-filter:blur(8px)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:74px;gap:18px}
.brand{font-size:1.26rem;font-weight:900;text-decoration:none;color:var(--ink);letter-spacing:-.03em;white-space:nowrap}.brand span{color:var(--orange)}
.mainnav{display:flex;align-items:center;gap:19px;flex-wrap:wrap}.mainnav a{text-decoration:none;color:var(--ink);font-weight:700;font-size:.92rem}
.header-cta{background:var(--orange)!important;color:#fff!important;padding:10px 14px;border-radius:9px}
.hero{padding:78px 0 60px;background:linear-gradient(135deg,#fff4e9,#f0f8fc)}
.eyebrow{text-transform:uppercase;letter-spacing:.11em;font-size:.76rem;font-weight:850;color:var(--orange)}
h1{font-size:clamp(2.35rem,5vw,4.5rem);line-height:1.02;letter-spacing:-.05em;max-width:930px;margin:.18em 0}
h2{line-height:1.18;letter-spacing:-.025em}h3{line-height:1.25}.lede{font-size:1.18rem;color:var(--muted);max-width:790px}
.btn{display:inline-block;padding:13px 18px;border-radius:9px;background:var(--orange);color:#fff;text-decoration:none;font-weight:850;margin:9px 8px 0 0}
.btn:hover,.header-cta:hover{background:var(--orange2)!important}.btn.secondary{background:var(--ink)}.btn.small{font-size:.9rem;padding:10px 14px}
section{padding:55px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid.two{grid-template-columns:repeat(2,1fr)}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff;box-shadow:0 2px 0 rgba(20,37,52,.02)}.card h3{margin-top:0}.card a{font-weight:780}
.content-layout{display:grid;grid-template-columns:minmax(0,780px) 300px;gap:44px;max-width:1160px;margin:auto;padding:54px 22px}
.article h1{font-size:clamp(2.15rem,4.5vw,3.65rem)}.article h2{margin-top:2.25em;font-size:1.75rem}.article h3{margin-top:1.65em}
.article p,.article li{font-size:1.02rem}.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:22px}
.note,.cta,.tip{border:1px solid var(--line);border-radius:14px;padding:20px;margin:28px 0;background:var(--soft)}.cta{border-left:5px solid var(--orange);background:#fff8f1}.tip{border-left:5px solid var(--blue)}
.sidebar{align-self:start;position:sticky;top:105px}.sidebox{border:1px solid var(--line);background:#fff;border-radius:var(--radius);padding:20px;margin-bottom:20px;box-shadow:var(--shadow)}.sidebox h3{margin:0 0 10px}.sidebox p{font-size:.94rem;color:var(--muted)}.sidebox .btn{width:100%;text-align:center;margin-right:0}
.side-links a{display:block;padding:8px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:700}.side-links a:last-child{border:0}
table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.95rem}th,td{padding:12px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:var(--soft)}
ul.checks li{margin:.5em 0}.kicker{font-size:.92rem;color:var(--muted)}
.footer{background:var(--ink);color:#dce5eb;padding:46px 0;margin-top:48px}.footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.footer a{display:inline-block;margin:4px 10px 4px 0}
.category-hero{padding:54px 0 36px;background:var(--soft)}.list-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.list-card{padding:20px;border:1px solid var(--line);border-radius:14px;background:#fff}.list-card h3{margin:0 0 6px}.list-card p{margin:.3em 0;color:var(--muted)}
@media(max-width:900px){.content-layout{grid-template-columns:1fr}.sidebar{position:static;display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.grid{grid-template-columns:1fr 1fr}.mainnav a:not(.header-cta){display:none}}
@media(max-width:620px){.grid,.grid.two,.list-grid,.footer-grid,.sidebar{grid-template-columns:1fr}.nav{min-height:66px}.header-cta{font-size:.86rem}h1{font-size:2.45rem}.hero{padding:55px 0 42px}}