:root{--navy:#071f38;--ink:#122033;--muted:#5f6f82;--paper:#f4f8fb;--white:#fff;--line:#d9e3ec;--accent:#55d6d9;--accent2:#7dc4ff;--panel:#0c3456;--radius:18px;--shadow:0 18px 55px rgba(7,28,51,.12);}
*{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:#fff;line-height:1.65}a{color:#075f83;text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:#073f5a}img{max-width:100%;height:auto}.wrap{width:min(1180px,calc(100% - 40px));margin:auto}
.publisher-bar{background:var(--navy);color:#dfeaf3;font-size:.88rem}.publisher-bar .wrap{display:flex;gap:14px;justify-content:space-between;align-items:center;padding:8px 0}.publisher-bar a{color:#fff}header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);z-index:50}.nav{height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo img{width:300px;display:block}nav ul{display:flex;list-style:none;gap:22px;margin:0;padding:0;align-items:center}nav a{text-decoration:none;font-weight:650;color:var(--ink)}.menu-button{display:none;background:none;border:0;font-size:1.45rem}.button,.button-outline{display:inline-flex;align-items:center;justify-content:center;padding:12px 18px;border-radius:999px;font-weight:750;text-decoration:none;transition:.2s}.button{background:var(--accent);color:#051b2d;box-shadow:0 8px 24px rgba(43,205,209,.25)}.button:hover{transform:translateY(-1px);color:#051b2d}.button-outline{border:1px solid #92a7b8;color:var(--ink);background:#fff}
.hero{background:linear-gradient(125deg,var(--navy),#0b3559 60%,#0e4a68);color:#fff;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;width:620px;height:620px;border:90px solid rgba(255,255,255,.04);border-radius:50%;right:-240px;top:-280px}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:60px;padding:88px 0;align-items:center;position:relative;z-index:2}.eyebrow,.section-kicker{text-transform:uppercase;letter-spacing:.13em;font-weight:800;font-size:.75rem;color:var(--accent)}h1{font-size:clamp(2.45rem,5vw,4.8rem);line-height:1.04;letter-spacing:-.045em;margin:.2em 0}.hero p{font-size:1.2rem;color:#dce9f2;max-width:760px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.hero .button-outline{background:transparent;color:#fff;border-color:#9db5c7}.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);padding:26px;border-radius:var(--radius);box-shadow:var(--shadow)}.hero-card h3{margin-top:0}.hero-card ul{padding-left:20px}.trust-row{background:#eef6f8;border-bottom:1px solid var(--line)}.trust-row .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#dbe8ee}.trust-item{background:#eef6f8;padding:24px}.trust-item strong{display:block;color:var(--navy);font-size:1.15rem}
main{min-height:60vh}.content-wrap{width:min(900px,calc(100% - 40px));margin:0 auto;padding:70px 0}.content-section{margin:0 0 70px}.content-section h2{font-size:clamp(1.75rem,3vw,2.65rem);line-height:1.14;letter-spacing:-.025em;margin:.25em 0 .55em}.content-section h3{margin-top:2em}.content-section p,.content-section li{font-size:1.04rem}.lead{font-size:1.25rem;color:#40536a}.callout{padding:24px 26px;border-left:5px solid var(--accent);background:#eff9fa;border-radius:0 var(--radius) var(--radius) 0;margin:28px 0}.warning{border-color:#f2a444;background:#fff6e9}.grid-2,.grid-3{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.card{border:1px solid var(--line);border-radius:var(--radius);padding:25px;background:#fff;box-shadow:0 10px 34px rgba(20,50,70,.07)}.card h3{margin-top:0}.metric{font-size:1.85rem;font-weight:850;color:var(--navy)}table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.95rem}th,td{padding:14px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:#eaf3f7;color:var(--navy)}.table-scroll{overflow:auto}.cta-band{background:linear-gradient(125deg,#082744,#0f506a);color:#fff;border-radius:24px;padding:40px;margin:60px 0}.cta-band h2{margin-top:0}.cta-band p{color:#dbe9f1}.faq details{border-top:1px solid var(--line);padding:18px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:750;font-size:1.05rem}.faq-answer{padding:12px 0;color:#40536a}.source-list li{margin-bottom:12px}
footer{background:#071c30;color:#dbe5ec;margin-top:80px}footer .wrap{padding:60px 0 30px}.footer-grid{display:grid;grid-template-columns:1.3fr .8fr .8fr;gap:50px}footer h3{color:#fff}footer a{color:#dfeef5}.fineprint{border-top:1px solid #27435b;margin-top:40px;padding-top:20px;font-size:.86rem;color:#9db0bf}.ap-seal{display:inline-block;border:1px solid #4c6d86;border-radius:999px;padding:6px 11px;color:#dcebf3;font-size:.82rem}
.breadcrumb{font-size:.86rem;color:#627386;margin-bottom:22px}.page-hero{background:var(--paper);border-bottom:1px solid var(--line)}.page-hero .wrap{padding:62px 0 54px}.page-hero h1{font-size:clamp(2.35rem,4.5vw,4rem);color:var(--navy);max-width:920px}.page-hero p{font-size:1.2rem;color:#4a5e72;max-width:850px}.article-meta{display:flex;gap:18px;flex-wrap:wrap;color:#66788a;font-size:.88rem;margin-top:20px}.disclosure{background:#fff9e8;border:1px solid #eed98d;padding:16px 18px;border-radius:12px;font-size:.9rem}
@media(max-width:900px){.hero-grid,.footer-grid,.grid-3,.grid-2{grid-template-columns:1fr}.trust-row .wrap{grid-template-columns:1fr 1fr}nav ul{display:none;position:absolute;top:77px;left:0;right:0;background:#fff;padding:20px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start}nav ul.open{display:flex}.menu-button{display:block}.logo img{width:230px}.publisher-bar .wrap{display:block;text-align:center}}
@media(max-width:560px){.hero-grid{padding:62px 0}.trust-row .wrap{grid-template-columns:1fr}.wrap,.content-wrap{width:min(100% - 28px,1180px)}h1{font-size:2.55rem}}