:root{
  --ink:#0d1b2a;--muted:#536273;--paper:#f7f9fb;--white:#fff;
  --line:#dfe6eb;--teal:#0d7b78;--teal2:#0a625f;--lime:#d7f36a;
  --navy:#102a43;--soft:#eef7f6;--amber:#fff6db;--radius:18px;
  --shadow:0 14px 40px rgba(16,42,67,.10)
}
*{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(--white);line-height:1.65}
a{color:var(--teal2);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--teal)}
img{max-width:100%;height:auto}
.wrap{width:min(1160px,calc(100% - 36px));margin:auto}
.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:22px;min-height:72px}
.brand{display:flex;align-items:center;gap:10px;font-weight:850;color:var(--ink);text-decoration:none;letter-spacing:-.02em}
.brand-mark{width:34px;height:34px}
.nav-links{margin-left:auto;display:flex;gap:18px;align-items:center;font-size:.95rem}
.nav-links a{text-decoration:none;color:#27384a}
.nav-links .nav-cta{background:var(--ink);color:#fff;padding:10px 14px;border-radius:999px;font-weight:760}
.menu-btn{display:none;margin-left:auto;border:1px solid var(--line);background:#fff;border-radius:12px;padding:9px 11px;font-weight:700}
.hero{background:linear-gradient(135deg,#0d1b2a 0%,#123f4b 58%,#0d7b78 100%);color:#fff;padding:82px 0 72px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:44px;align-items:center}
.eyebrow{display:inline-flex;gap:8px;align-items:center;font-size:.83rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#8fe6df}
.hero h1,.article-hero h1{font-size:clamp(2.45rem,5vw,4.8rem);line-height:1.02;letter-spacing:-.052em;margin:.25em 0}
.hero p{font-size:1.17rem;color:#d6e2e8;max-width:760px}
.hero-card{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.19);padding:25px;border-radius:24px;box-shadow:var(--shadow)}
.flow{display:grid;gap:10px}
.flow div{background:rgba(255,255,255,.10);border-radius:12px;padding:10px 13px;font-weight:700}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0 0}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:47px;padding:11px 17px;border-radius:12px;text-decoration:none;font-weight:800;border:1px solid transparent}
.btn-primary{background:var(--lime);color:#112018}
.btn-primary:hover{color:#112018;filter:brightness(.97)}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{color:#fff;background:#1a3855}
.btn-light{background:#fff;color:var(--ink);border-color:#cbd8df}
.btn-ghost{color:#fff;border-color:rgba(255,255,255,.35)}
.section{padding:66px 0}
.section.soft{background:var(--paper)}
.section h2{font-size:clamp(1.7rem,3vw,2.55rem);line-height:1.12;letter-spacing:-.035em;margin-top:0}
.lede{font-size:1.13rem;color:var(--muted);max-width:820px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:23px;background:#fff;box-shadow:0 6px 20px rgba(16,42,67,.04)}
.card h3{margin-top:0;line-height:1.18}
.card p:last-child{margin-bottom:0}
.pill{display:inline-block;background:var(--soft);color:var(--teal2);border:1px solid #cfe8e6;border-radius:999px;padding:5px 10px;font-weight:800;font-size:.78rem}
.article-hero{padding:56px 0 28px;background:linear-gradient(180deg,#f5faf9,#fff)}
.article-hero h1{font-size:clamp(2.2rem,5vw,4.15rem);max-width:980px}
.article-hero .lede{font-size:1.2rem}
.breadcrumbs{font-size:.88rem;color:#647585;margin-bottom:14px}
.breadcrumbs a{color:#647585}
.article-layout{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:54px;align-items:start}
.article{padding:20px 0 70px}
.article h2{font-size:1.75rem;line-height:1.15;letter-spacing:-.025em;margin-top:2.1em}
.article h3{font-size:1.2rem;margin-top:1.65em}
.article p,.article li{font-size:1.03rem}
.article table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.94rem}
.article th,.article td{border:1px solid var(--line);padding:12px;vertical-align:top;text-align:left}
.article th{background:#f3f6f8}
.article ul,.article ol{padding-left:1.2em}
.note{background:var(--amber);border:1px solid #f0da91;border-radius:14px;padding:16px 18px;margin:22px 0}
.verdict{border:1px solid #bedfdc;background:var(--soft);border-radius:20px;padding:22px;margin:24px 0}
.verdict-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:13px;margin-top:16px}
.verdict-cell{background:#fff;border:1px solid #d7e7e5;border-radius:12px;padding:14px}
.verdict-cell strong{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:4px}
.cta-box{background:var(--ink);color:#fff;border-radius:20px;padding:24px;margin:32px 0}
.cta-box h2,.cta-box h3{margin-top:0;color:#fff}
.cta-box p{color:#d8e1e9}
.cta-box .micro{font-size:.82rem;color:#abc0cf;margin:10px 0 0}
.sidebar{position:sticky;top:96px;padding-top:28px}
.sidebar .card{margin-bottom:16px}
.sidebar h3{font-size:1rem}
.sidebar a{display:block;margin:7px 0}
.sources{border-top:1px solid var(--line);margin-top:44px;padding-top:24px}
.sources li{margin:7px 0;word-break:break-word}
.related{margin-top:36px;padding:24px;background:var(--paper);border-radius:18px}
.related ul{columns:2;gap:28px}
.site-footer{background:#0a1825;color:#c9d5df;padding:48px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:30px}
.site-footer a{color:#dce8ed}
.site-footer small{color:#8fa4b3}
.disclosure{font-size:.9rem;color:#657787;border-left:3px solid var(--teal);padding-left:13px;margin:20px 0}
.compare-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:25px 0}
.compare-strip div{border:1px solid var(--line);border-radius:14px;padding:14px;background:#fff}
.kpi{font-size:1.35rem;font-weight:850;display:block}
.step{display:grid;grid-template-columns:48px 1fr;gap:14px;margin:20px 0}
.step-num{width:42px;height:42px;border-radius:12px;background:var(--soft);display:grid;place-items:center;font-weight:900;color:var(--teal2)}
.offer-modal[hidden]{display:none}
.offer-modal{position:fixed;inset:0;z-index:100;display:grid;place-items:center;padding:18px}
.offer-backdrop{position:absolute;inset:0;background:rgba(5,17,29,.64)}
.offer-panel{position:relative;width:min(560px,100%);background:#fff;border-radius:22px;padding:28px;box-shadow:0 26px 90px rgba(0,0,0,.28)}
.offer-panel h2{font-size:1.75rem;line-height:1.1;margin:.2em 0}
.offer-close{position:absolute;right:12px;top:12px;border:0;background:#edf2f4;border-radius:50%;width:36px;height:36px;font-size:20px;cursor:pointer}
.offer-benefits{padding-left:18px;color:#435365}
.offer-fine{font-size:.8rem;color:#71808d;margin-top:12px}
@media(max-width:900px){
 .nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:18px;flex-direction:column;align-items:stretch}
 .nav-links.open{display:flex}.menu-btn{display:block}
 .hero-grid,.article-layout,.footer-grid{grid-template-columns:1fr}
 .hero{padding:58px 0}.sidebar{position:static;padding-top:0}
 .grid-3,.grid-2,.verdict-grid,.compare-strip{grid-template-columns:1fr}
 .related ul{columns:1}
}
@media(max-width:620px){
 .wrap{width:min(100% - 26px,1160px)}
 .hero h1,.article-hero h1{font-size:2.45rem}
 .section{padding:48px 0}
 .actions .btn{width:100%}
 .article table{display:block;overflow-x:auto}
 .offer-modal{align-items:end;padding:0}
 .offer-panel{width:100%;border-radius:20px 20px 0 0;padding:25px 20px 22px;max-height:82vh;overflow:auto}
}


.article-layout > *{min-width:0}
.article{min-width:0;max-width:100%}
.article table{max-width:100%}
@media(max-width:620px){
 .article-layout{width:min(100% - 26px,1160px)}
 .article{width:100%}
}