:root{--ink:#112033;--muted:#5f7182;--navy:#102b46;--blue:#117ba2;--cyan:#39c9ee;--line:#dbe7ed;--soft:#f3f8fb;--white:#fff;--green:#18785b;--shadow:0 18px 50px rgba(16,43,70,.11)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.7}a{color:var(--blue)}.wrap{width:min(1120px,calc(100% - 32px));margin:auto}
.topbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand img{display:block;width:132px;height:auto}.navlinks{display:flex;align-items:center;gap:8px}.navlinks a{text-decoration:none;color:var(--navy);font-weight:800;padding:10px 13px;border-radius:999px}.navlinks a:hover{background:var(--soft)}.navlinks .cta{background:var(--navy);color:#fff}
.hero{padding:60px 0 48px;background:linear-gradient(145deg,#f5fbfd 0,#fff 58%)}.crumb{font-size:.84rem;color:var(--muted);margin-bottom:22px}.eyebrow{font-size:.78rem;color:var(--blue);font-weight:900;letter-spacing:.08em;text-transform:uppercase}.hero h1{font-size:clamp(2.25rem,5vw,4.5rem);line-height:1.04;letter-spacing:-.045em;color:var(--navy);max-width:880px;margin:15px 0 20px}.hero .lead{font-size:1.14rem;color:var(--muted);max-width:820px;margin:0}.meta{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:23px;color:var(--muted);font-size:.85rem}.meta span{display:flex;align-items:center;gap:6px}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:42px;padding:50px 0 80px;align-items:start}.article{max-width:760px}.article h2{color:var(--navy);font-size:1.75rem;line-height:1.2;margin:38px 0 12px}.article h3{color:var(--navy);font-size:1.15rem;margin:25px 0 8px}.article p{margin:0 0 16px}.article ul,.article ol{padding-left:22px;margin:0 0 19px}.article li{margin-bottom:7px}.article table{width:100%;border-collapse:collapse;margin:20px 0 26px;font-size:.92rem}.article th,.article td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}.article th{background:var(--navy);color:white}.article tr:nth-child(even) td{background:var(--soft)}.note{border-left:4px solid var(--cyan);background:#edf9fc;border-radius:0 14px 14px 0;padding:17px 19px;margin:23px 0}.note strong{display:block;color:var(--navy);margin-bottom:4px}.check{list-style:none!important;padding:0!important}.check li{display:flex;gap:10px}.check li:before{content:"□";color:var(--blue);font-weight:900}.sidebar{position:sticky;top:95px}.sidecard{border:1px solid var(--line);border-radius:20px;padding:22px;background:#fff;box-shadow:var(--shadow);margin-bottom:16px}.sidecard h2{font-size:1.12rem;color:var(--navy);margin:0 0 12px}.sidecard p{font-size:.9rem;color:var(--muted);margin:0 0 14px}.sidecard a.button{display:block;text-decoration:none;text-align:center;background:linear-gradient(135deg,var(--blue),#075173);color:white;font-weight:900;border-radius:12px;padding:12px}.sidecard ul{list-style:none;padding:0;margin:0;display:grid;gap:10px}.sidecard li a{text-decoration:none;font-weight:700;font-size:.88rem}.sources{border-top:1px solid var(--line);margin-top:38px;padding-top:22px}.sources h2{font-size:1.15rem;margin-top:0}.sources li{font-size:.84rem;color:var(--muted)}
.hub{padding:64px 0 85px}.hub-intro{max-width:780px}.hub h1{color:var(--navy);font-size:clamp(2.4rem,5vw,4.5rem);line-height:1.04;margin:12px 0 18px;letter-spacing:-.04em}.hub .lead{font-size:1.12rem;color:var(--muted)}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:38px}.guide-card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:22px;padding:23px;background:white;box-shadow:0 10px 30px rgba(16,43,70,.07);text-decoration:none;color:inherit;transition:.2s}.guide-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.guide-card small{font-weight:900;color:var(--blue);text-transform:uppercase;letter-spacing:.06em}.guide-card h2{font-size:1.25rem;line-height:1.25;color:var(--navy);margin:11px 0}.guide-card p{font-size:.91rem;color:var(--muted);margin:0 0 18px}.guide-card span{margin-top:auto;color:var(--blue);font-weight:900}.hub-cta{margin-top:30px;background:var(--navy);color:white;border-radius:24px;padding:29px;display:flex;align-items:center;justify-content:space-between;gap:24px}.hub-cta h2{margin:0 0 5px;font-size:1.45rem}.hub-cta p{margin:0;color:#dce9f0}.hub-cta a{white-space:nowrap;background:var(--cyan);color:var(--navy);font-weight:900;text-decoration:none;padding:13px 18px;border-radius:12px}
footer{background:var(--navy);color:#dbe8ef;padding:28px 0}.footer-row{display:flex;justify-content:space-between;gap:18px;align-items:center}.footer-row a{color:#fff}.copyright{font-size:.86rem}
@media(max-width:900px){.article-layout{grid-template-columns:1fr}.article{max-width:none}.sidebar{position:static}.guide-grid{grid-template-columns:1fr 1fr}.navlinks a:not(.cta){display:none}}
@media(max-width:620px){.wrap{width:min(100% - 22px,1120px)}.nav{min-height:64px}.brand img{width:108px}.hero{padding:42px 0 30px}.hero h1{font-size:2.45rem}.article-layout{padding-top:30px}.article h2{font-size:1.45rem}.article table{font-size:.8rem}.article th,.article td{padding:8px}.guide-grid{grid-template-columns:1fr}.hub{padding-top:45px}.hub-cta,.footer-row{align-items:flex-start;flex-direction:column}}