:root{
  --ink:#152234;--muted:#657184;--paper:#fbfaf7;--white:#fff;
  --navy:#152d49;--navy2:#0f2138;--orange:#ef7a42;--orange2:#ff9c67;
  --teal:#3a9f98;--line:#e7e1d8;--soft:#f2eee7;--green:#267a63;
  --shadow:0 18px 55px rgba(20,34,52,.10);--radius:20px;--max:1160px
}
*{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(--paper);line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:inherit}.skip{position:absolute;left:-9999px;top:0;background:#fff;padding:.7rem 1rem;z-index:1000}.skip:focus{left:1rem;top:1rem}
.wrap{width:min(calc(100% - 32px),var(--max));margin:auto}
.header{position:sticky;top:0;z-index:50;background:rgba(251,250,247,.92);backdrop-filter:blur(14px);border-bottom:1px solid rgba(21,34,52,.08)}
.nav{height:74px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:900;letter-spacing:-.035em;font-size:1.14rem}
.brandmark{width:36px;height:36px;border-radius:12px;display:grid;place-items:center;color:#fff;background:linear-gradient(135deg,var(--orange),var(--teal));box-shadow:0 6px 16px rgba(239,122,66,.22)}
.navlinks{display:flex;align-items:center;gap:22px;font-size:.93rem}.navlinks a{text-decoration:none}.navlinks a:hover{color:var(--orange)}
.navcta{padding:.64rem .92rem;border-radius:999px;background:var(--navy);color:#fff!important;font-weight:800}
.menubtn{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:.5rem .7rem;font:inherit}
.hero{border-bottom:1px solid var(--line);background:radial-gradient(circle at 85% 14%,rgba(239,122,66,.13),transparent 28%),radial-gradient(circle at 5% 0%,rgba(58,159,152,.11),transparent 30%),var(--paper)}
.hero .wrap{padding:64px 0 72px}.breadcrumbs{font-size:.86rem;color:var(--muted);margin-bottom:28px}.breadcrumbs a{text-decoration:none}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(330px,.88fr);gap:52px;align-items:center}
.kicker{color:var(--orange);font-weight:900;letter-spacing:.12em;text-transform:uppercase;font-size:.74rem;margin-bottom:14px}
h1{font-size:clamp(2.55rem,5.6vw,5.1rem);line-height:.97;letter-spacing:-.062em;margin:0;max-width:940px}
h2{font-size:clamp(1.9rem,3.7vw,3.1rem);line-height:1.06;letter-spacing:-.046em;margin:0 0 14px}
h3{line-height:1.2;letter-spacing:-.025em}
.lede{font-size:clamp(1.06rem,2vw,1.26rem);color:#536174;max-width:800px;margin:23px 0 0}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px;align-items:center}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:.78rem 1.15rem;border-radius:12px;text-decoration:none;font-weight:900;border:1px solid transparent;transition:.15s transform ease,.15s background ease}
.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--orange);color:#fff;box-shadow:0 10px 24px rgba(239,122,66,.20)}
.btn-dark{background:var(--navy);color:#fff}.btn-ghost{border-color:var(--line);background:#fff;color:var(--ink)}.micro{font-size:.84rem;color:var(--muted);margin-top:10px}
.hero-card{background:var(--navy);color:#fff;border-radius:26px;padding:27px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.hero-card:after{content:"";position:absolute;width:190px;height:190px;border-radius:50%;right:-75px;top:-75px;background:rgba(239,122,66,.14)}
.hero-card .small{font-size:.76rem;text-transform:uppercase;letter-spacing:.12em;color:#b9c8d8;font-weight:850}
.hero-card h3{font-size:1.42rem;margin:7px 0 18px;position:relative;z-index:1}
.stage{display:grid;grid-template-columns:36px 1fr;gap:12px;align-items:center;padding:11px 0;border-top:1px solid rgba(255,255,255,.11);position:relative;z-index:1}
.stage:first-of-type{border-top:0}.stage-num{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;background:var(--orange);font-weight:900}
.stage b{display:block}.stage span{font-size:.84rem;color:#b8c6d6}
.section{padding:72px 0}.section-head{max-width:790px;margin-bottom:30px}.section-head p{color:var(--muted)}
.white{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.soft{background:var(--soft)}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:23px}.card.dark{background:var(--navy);color:#fff;border-color:transparent}
.card .tag{font-size:.74rem;text-transform:uppercase;letter-spacing:.1em;font-weight:900;color:var(--orange)}.card.dark p{color:#c5d1df}.card p{color:var(--muted);margin-bottom:0}
.icon{width:40px;height:40px;border-radius:13px;display:grid;place-items:center;background:#fff3ec;color:var(--orange);font-weight:950;margin-bottom:16px}
.linkcard{display:block;text-decoration:none}.linkcard:hover{border-color:#dfb59e;box-shadow:0 8px 24px rgba(21,34,52,.07)}
.split{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:42px;align-items:start}.prose{font-size:1.04rem}.prose p:first-child{margin-top:0}
.prose h2{font-size:clamp(1.65rem,3vw,2.45rem);margin-top:2.2rem}.prose h3{font-size:1.25rem;margin-top:1.8rem}.prose ul,.prose ol{padding-left:1.25rem}.prose li{margin:.48rem 0}
.callout{padding:18px 20px;border-left:3px solid var(--orange);border-radius:0 14px 14px 0;background:#fff4ed;margin:1.4rem 0}
.disclosure{display:flex;gap:12px;align-items:flex-start;border:1px solid #dfd5c7;background:#fff;border-radius:14px;padding:16px 18px;color:#5d6776;font-size:.91rem;margin-top:20px}.disclosure b{color:var(--ink)}
.toc{position:sticky;top:100px;border:1px solid var(--line);background:#fff;border-radius:18px;padding:20px}
.toc strong{display:block;margin-bottom:10px}.toc a{display:block;color:#536174;text-decoration:none;padding:.3rem 0}.toc a:hover{color:var(--orange)}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:18px;background:#fff}table{width:100%;border-collapse:collapse;min-width:660px}th,td{text-align:left;padding:15px 17px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#f4f0ea}tr:last-child td{border-bottom:0}.good{color:var(--green);font-weight:850}
.cta{background:linear-gradient(135deg,var(--navy2),var(--navy));color:#fff;border-radius:24px;padding:34px;display:flex;align-items:center;justify-content:space-between;gap:30px}.cta p{color:#bdc9d8;margin:0}.cta h2{font-size:clamp(1.8rem,3vw,2.65rem)}.cta .kicker{color:var(--orange2)}
.faq details{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;list-style:none;padding:18px 0;font-weight:900}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";float:right;color:var(--orange);font-size:1.2rem}.faq details[open] summary:after{content:"–"}.faq details p{color:var(--muted);max-width:850px;margin:0 0 20px}
.next-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.next-grid a{display:block;text-decoration:none}
.footer{padding:40px 0 90px;background:#101c2b;color:#aab8c8}.footergrid{display:grid;grid-template-columns:1fr auto;gap:30px}.footer .brand{color:#fff}.footer small{display:block;max-width:780px;margin-top:14px}.footer a{color:#dce5ef}
.mobilebar{display:none}.pill{display:inline-block;background:#fff3ec;color:#9f4a21;border:1px solid #f4d3c2;border-radius:999px;padding:.34rem .68rem;font-size:.78rem;font-weight:850}
.article-meta{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px;color:var(--muted);font-size:.86rem}.article-meta span{border:1px solid var(--line);background:#fff;border-radius:999px;padding:.3rem .6rem}
@media(max-width:1000px){.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:900px){
 .hero-grid,.split{grid-template-columns:1fr}.toc{position:static}.grid-3,.next-grid{grid-template-columns:repeat(2,1fr)}
 .navlinks{display:none;position:absolute;top:74px;left:16px;right:16px;flex-direction:column;align-items:stretch;background:#fff;padding:16px;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow)}
 .navlinks.open{display:flex}.menubtn{display:inline-block}
}
@media(max-width:620px){
 .hero .wrap{padding:44px 0 58px}.grid-4,.grid-3,.grid-2,.next-grid{grid-template-columns:1fr}.cta{flex-direction:column;align-items:stretch;padding:25px}.cta .btn{width:100%}.footergrid{grid-template-columns:1fr}
 .mobilebar{display:flex;position:fixed;z-index:60;left:12px;right:12px;bottom:12px;align-items:center;justify-content:space-between;gap:10px;background:rgba(16,28,43,.96);color:#fff;padding:9px 9px 9px 13px;border:1px solid rgba(255,255,255,.12);border-radius:15px;box-shadow:0 12px 36px rgba(0,0,0,.25);backdrop-filter:blur(12px)}
 .mobilebar span{font-size:.75rem;color:#b8c6d6}.mobilebar strong{display:block;font-size:.9rem}.mobilebar .btn{min-height:42px;padding:.58rem .75rem;font-size:.84rem}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}