:root{--ink:#14213d;--ink2:#263653;--muted:#64748b;--bg:#f6f8fc;--paper:#fff;--line:#e3e9f2;--violet:#6757e8;--violet2:#8a78ff;--mint:#16a085;--sky:#eaf3ff;--pale:#f0eeff;--warm:#fff5df;--shadow:0 18px 55px rgba(20,33,61,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink2);background:var(--bg);font:16.5px/1.72 Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif}a{color:#5548ce;text-underline-offset:3px}h1,h2,h3,h4{color:var(--ink);letter-spacing:-.035em}h1{font-size:clamp(42px,6.5vw,76px);line-height:1.01;margin:.18em 0 .3em}h2{font-size:clamp(29px,3.4vw,42px);line-height:1.14;margin:1.55em 0 .55em}h3{font-size:23px;line-height:1.25;margin:1.3em 0 .45em}p{margin:0 0 1.15em}.wrap{width:min(1180px,92%);margin:auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}.navrow{min-height:76px;display:flex;align-items:center;gap:24px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:950;white-space:nowrap}.mark{width:38px;height:38px;border-radius:12px;display:grid;place-items:center;color:#fff;background:linear-gradient(135deg,var(--violet),var(--mint));box-shadow:0 7px 20px rgba(103,87,232,.24)}
.mainnav{margin-left:auto;display:flex;align-items:center;gap:4px}.navitem{position:relative}.navbtn,.mainnav>a{display:block;padding:27px 10px;color:#33425e;text-decoration:none;font-size:13.5px;font-weight:800;background:none;border:0;cursor:pointer}.navbtn:after{content:"⌄";margin-left:5px;color:#7c879b}.mega{position:absolute;top:68px;left:50%;transform:translateX(-50%) translateY(8px);width:330px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:12px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:.18s}.navitem:hover .mega,.navitem:focus-within .mega{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}.mega b{display:block;padding:9px 10px 5px;font-size:12px;text-transform:uppercase;letter-spacing:.1em;color:#8792a5}.mega a{display:block;padding:9px 10px;border-radius:10px;color:#33425e;text-decoration:none;font-size:14px;font-weight:700}.mega a:hover{background:#f5f4ff;color:#4e41c8}.mega .all{border-top:1px solid var(--line);margin-top:7px;padding-top:12px;color:var(--violet)}
.hero{padding:94px 0 74px;background:radial-gradient(circle at 85% 20%,#ddd8ff 0,transparent 29%),radial-gradient(circle at 15% 75%,#dff7f1 0,transparent 25%),linear-gradient(180deg,#fff,#f6f8fc)}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:950;color:#6254d9}.lede{font-size:21px;line-height:1.65;color:var(--muted);max-width:830px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-flex;align-items:center;gap:7px;padding:13px 19px;border-radius:12px;background:linear-gradient(135deg,var(--violet),#5848d7);color:#fff;text-decoration:none;font-weight:900;box-shadow:0 9px 24px rgba(103,87,232,.2)}.btn.secondary{background:#fff;color:var(--ink);border:1px solid var(--line);box-shadow:none}
.trustbar{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:18px;overflow:hidden;margin-top:45px}.trustbar div{background:#fff;padding:19px}.trustbar b{display:block;color:var(--ink);font-size:14px}.trustbar span{font-size:13px;color:var(--muted)}
.section{padding:70px 0}.section.white{background:#fff}.section-head{max-width:800px;margin-bottom:32px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:25px;box-shadow:0 8px 30px rgba(20,33,61,.045);transition:.18s}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.card .num{font-size:11px;font-weight:950;color:var(--violet);letter-spacing:.12em}.card h3{margin:.45em 0}.card p{color:var(--muted)}.card a{font-weight:850}.flow{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}.flow div{background:#fff;border:1px solid var(--line);padding:20px;border-radius:16px}.flow b{display:block;color:var(--ink)}.flow small{color:var(--muted)}
.article{width:min(900px,92%);margin:auto;padding:48px 0 84px}.article h1{font-size:clamp(40px,5.2vw,64px)}.crumb{font-size:13px;color:#7a879a;margin-bottom:24px}.crumb a{color:inherit}.article-meta{display:flex;gap:8px;flex-wrap:wrap;margin:20px 0 25px}.pill{background:#fff;border:1px solid var(--line);padding:7px 10px;border-radius:999px;font-size:12px;font-weight:800;color:#607087}.disclosure,.note,.cta,.sourcebox,.takeaways{padding:21px 23px;border-radius:17px;margin:27px 0}.disclosure{background:var(--warm);border:1px solid #eddcb8;font-size:14px}.note{background:#eaf8f5;border:1px solid #ccebe4}.takeaways{background:linear-gradient(135deg,#f0eeff,#f7f9ff);border:1px solid #dcd7ff}.takeaways h3{margin-top:0}.cta{background:linear-gradient(135deg,#191f3d,#2e3264);color:#e7e9ff}.cta h3{color:#fff}.sourcebox{background:#fff;border:1px solid var(--line);font-size:14px}.toc{background:#fff;border:1px solid var(--line);border-radius:17px;padding:21px 24px;margin:28px 0;box-shadow:0 7px 25px rgba(20,33,61,.04)}.toc strong{display:block;margin-bottom:8px}.toc a{display:block;margin:5px 0}.article ul,.article ol{padding-left:22px}.article li{margin:8px 0}.table{width:100%;border-collapse:separate;border-spacing:0;margin:25px 0;font-size:15px;border:1px solid var(--line);border-radius:14px;overflow:hidden}.table th,.table td{padding:14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.table th{background:#edf1f7}.table tr:last-child td{border-bottom:0}
.library{margin:48px 0 18px;padding:28px;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:0 10px 35px rgba(20,33,61,.05)}.library-head{display:flex;justify-content:space-between;gap:20px;align-items:end;margin-bottom:17px}.library h2{font-size:28px;margin:0}.library-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.library a{display:flex;justify-content:space-between;gap:10px;padding:12px 14px;background:#f7f8fc;border-radius:11px;text-decoration:none;font-weight:800}.library a span{color:#8792a5;font-size:12px;font-weight:700}.faq{border-top:1px solid var(--line);padding:18px 0}.faq h3{font-size:19px;margin:0 0 6px}.hubhero{padding:65px 0 38px}.hubcount{font-size:56px;font-weight:950;color:var(--violet);line-height:1}.hubsection{margin:30px 0 50px}.hubgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.hubgrid a{background:#fff;border:1px solid var(--line);padding:17px;border-radius:14px;text-decoration:none;font-weight:850;color:var(--ink)}.hubgrid small{display:block;color:var(--muted);font-weight:500;margin-top:3px}
footer{background:#111a31;color:#aeb9cc;padding:52px 0}.footgrid{display:grid;grid-template-columns:1.5fr repeat(4,1fr);gap:28px}.footgrid b{color:#fff}.footgrid a{display:block;color:#d8deeb;text-decoration:none;margin:6px 0;font-size:14px}
.popup-backdrop{position:fixed;inset:0;background:rgba(7,13,28,.68);display:none;align-items:center;justify-content:center;z-index:100;padding:20px}.popup{max-width:570px;background:#fff;border-radius:24px;padding:35px;box-shadow:0 30px 100px rgba(0,0,0,.34);position:relative;overflow:hidden}.popup:before{content:"";position:absolute;width:170px;height:170px;border-radius:50%;background:#e8e4ff;right:-65px;top:-70px}.popup h2{margin:.1em 0 .4em;font-size:34px}.popup-close{position:absolute;right:16px;top:11px;border:0;background:none;font-size:28px;cursor:pointer;color:#667;z-index:2}.popup small{display:block;color:var(--muted);margin-top:12px}
.mobile-toggle{display:none}
@media(max-width:980px){.mobile-toggle{display:block;margin-left:auto;border:1px solid var(--line);background:#fff;border-radius:10px;padding:9px 11px}.mainnav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:12px 4%;max-height:78vh;overflow:auto}.mainnav.open{display:block}.navbtn,.mainnav>a{padding:12px 4px;width:100%;text-align:left}.mega{position:static;transform:none!important;opacity:1;visibility:visible;display:none;width:auto;box-shadow:none;border:0;padding:0 0 8px 12px}.navitem.open .mega{display:block}.trustbar{grid-template-columns:1fr 1fr}.grid{grid-template-columns:1fr 1fr}.flow{grid-template-columns:1fr}.footgrid{grid-template-columns:1fr 1fr}}
@media(max-width:650px){.grid,.hubgrid,.library-grid,.trustbar,.footgrid{grid-template-columns:1fr}.hero{padding:58px 0}.section{padding:50px 0}.article{padding-top:35px}}