:root{--bg:#f6f9ff;--surface:#fff;--text:#111;--muted:#66748f;--line:#d9e4f6;--navy:#16213e;--blue:#bfd4ff;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:'DM Sans',Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.72}a{color:#234a91;text-decoration-thickness:1px;text-underline-offset:3px}.wrap{max-width:var(--max);margin:auto;padding:0 24px}header{position:sticky;top:0;z-index:20;background:rgba(246,249,255,.96);border-bottom:1px solid #dce7f8;backdrop-filter:blur(10px)}header .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:16px;padding-bottom:16px}.brand{font-family:'Space Grotesk','DM Sans',sans-serif;font-weight:600;font-size:20px;text-decoration:none;color:#111}.nav{display:flex;align-items:center;gap:10px;flex-wrap:wrap}.nav a{font-size:14px;font-weight:600;color:#27344e;text-decoration:none;padding:9px 10px;border-radius:999px}.nav .cta{background:var(--navy);color:#fff;padding:11px 17px}.article-hero{padding:72px 0 48px;background:linear-gradient(180deg,#f6f9ff 0%,#eef4ff 100%);border-bottom:1px solid #dce7f8}.crumbs{font-size:13px;color:var(--muted);margin-bottom:22px}.crumbs a{color:inherit}.kicker{text-transform:uppercase;letter-spacing:.13em;font-size:12px;font-weight:800;color:#6b7894;margin-bottom:14px}.article-hero h1{font-family:'Space Grotesk','DM Sans',sans-serif;font-size:54px;line-height:1.05;letter-spacing:-.045em;max-width:950px;margin:0 0 18px}.updated{color:var(--muted);font-size:14px}.article-shell{display:grid;grid-template-columns:minmax(0,780px) 240px;gap:70px;align-items:start;padding-top:62px;padding-bottom:80px}.article{font-size:17px}.article h2{font-family:'Space Grotesk','DM Sans',sans-serif;font-size:32px;line-height:1.18;letter-spacing:-.025em;margin:52px 0 16px}.article h3{font-family:'Space Grotesk','DM Sans',sans-serif;font-size:23px;line-height:1.25;margin:34px 0 10px}.article p{margin:0 0 20px}.article ul{margin:10px 0 26px;padding-left:24px}.article li{margin:7px 0}.article strong{font-weight:700}.article h2:first-child{margin-top:0}.sidebar{position:sticky;top:94px}.side-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;margin-bottom:16px}.side-card h3{font-family:'Space Grotesk';font-size:19px;margin:0 0 9px}.side-card p{font-size:14px;color:var(--muted);line-height:1.55;margin:0 0 14px}.side-card a.button{display:inline-flex;background:var(--navy);color:#fff;border-radius:999px;padding:11px 15px;text-decoration:none;font-weight:700;font-size:14px}.article-cta{margin:52px 0 18px;background:var(--blue);border-radius:22px;padding:30px}.article-cta h2{margin:0 0 10px;font-size:28px}.article-cta p{color:#43526e}.article-cta a{display:inline-flex;background:var(--navy);color:#fff;border-radius:999px;padding:12px 18px;text-decoration:none;font-weight:700}.disclaimer{font-size:13px;color:var(--muted);border-top:1px solid var(--line);padding-top:18px;margin-top:36px}footer{background:var(--navy);color:#b8c5df}footer .wrap{padding-top:36px;padding-bottom:42px;display:grid;grid-template-columns:1.4fr 1fr;gap:30px}.footer-title{font-family:'Space Grotesk';font-size:20px;color:white;margin-bottom:8px}.footer-links{display:flex;gap:16px;flex-wrap:wrap}.footer-links a{color:#d6def0}@media(max-width:900px){.article-shell{grid-template-columns:1fr}.sidebar{position:static}.article-hero h1{font-size:43px}.nav .optional{display:none}}@media(max-width:600px){.wrap{padding-left:18px;padding-right:18px}.article-hero{padding-top:48px}.article-hero h1{font-size:37px}.article{font-size:16px}.article h2{font-size:28px}.article-shell{padding-top:40px;gap:28px}footer .wrap{grid-template-columns:1fr}}
.article-image{margin:30px 0 36px}.article-image img{display:block;width:100%;height:340px;object-fit:cover;border-radius:18px;background:#e8edf5}@media(max-width:600px){.article-image{margin:24px 0 30px}.article-image img{height:220px;border-radius:12px}}