:root{
 --ink:#16313c;--muted:#60717a;--brand:#16728c;--brand-dark:#105970;--mist:#e9f6f8;
 --cream:#f8f6ef;--line:#d9e5e7;--white:#fff;--shadow:0 14px 38px rgba(18,62,75,.11);
 --max:1180px
}
*{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:1.68}
a{color:#12637a;text-decoration-thickness:1px;text-underline-offset:3px}
img{max-width:100%;height:auto}
header{border-bottom:1px solid var(--line);background:rgba(255,255,255,.98);position:sticky;top:0;z-index:50}
.nav{max-width:var(--max);margin:auto;padding:13px 22px;display:flex;align-items:center;gap:20px}
.brand{font-weight:900;font-size:21px;letter-spacing:-.03em;text-decoration:none;color:var(--ink);white-space:nowrap}.brand span{color:var(--brand)}
.navlinks{display:flex;gap:16px;align-items:center;margin-left:auto}.navlinks a{text-decoration:none;color:var(--ink);font-size:14px;font-weight:700}
.header-cta{background:var(--brand);color:#fff!important;padding:10px 14px;border-radius:10px;box-shadow:0 5px 16px rgba(22,114,140,.18)}
main{max-width:var(--max);margin:auto;padding:0 22px}
.hero{padding:68px 0 55px;display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.kicker{text-transform:uppercase;letter-spacing:.12em;font-size:12px;font-weight:850;color:var(--brand)}
h1{font-size:clamp(40px,6vw,68px);line-height:1.03;margin:.14em 0 .28em;letter-spacing:-.047em}
h2{font-size:31px;line-height:1.16;letter-spacing:-.025em;margin:1.65em 0 .45em}
h3{font-size:21px;line-height:1.3;margin:1.35em 0 .35em}
.lede{font-size:20px;color:var(--muted);max-width:800px}
.hero-art{min-height:330px;border-radius:32px;background:linear-gradient(145deg,#e1f4f7,#faf7ee);display:grid;place-items:center;box-shadow:inset 0 0 0 1px rgba(22,114,140,.06)}
.pillow{width:72%;height:45%;border-radius:42% 42% 34% 34%;background:white;box-shadow:0 24px 60px rgba(22,88,106,.18);position:relative;transform:rotate(-4deg)}
.pillow:after{content:"";position:absolute;width:36%;height:44%;border-radius:50%;background:#e6f2f4;left:32%;top:28%;box-shadow:inset 0 7px 16px rgba(18,78,95,.12)}
.btn{display:inline-block;background:var(--brand);color:white;text-decoration:none;padding:13px 18px;border-radius:11px;font-weight:850}
.btn:hover,.header-cta:hover{background:var(--brand-dark)}
.btn.secondary{background:var(--ink)}
.note{font-size:13px;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{border:1px solid var(--line);border-radius:18px;padding:22px;background:#fff}.card h3{margin-top:0}.card p{color:var(--muted)}
.band{background:var(--cream);border-radius:25px;padding:30px;margin:42px 0}
.article-layout{display:grid;grid-template-columns:minmax(0,820px) 280px;gap:50px;align-items:start;padding:44px 0 80px}
.article h1{font-size:clamp(39px,5vw,58px)}
.article p,.article li{font-size:17px}
.breadcrumbs{font-size:13px;color:var(--muted);margin-bottom:18px}
.meta{color:var(--muted);font-size:14px;border-bottom:1px solid var(--line);padding-bottom:18px}
.toc{border-left:4px solid var(--brand);padding:4px 0 4px 18px;margin:28px 0}.toc ul{margin-bottom:0}
.callout{border:1px solid var(--line);border-radius:16px;padding:20px;margin:25px 0;background:#fbfdfd}
.money{background:var(--mist);border:1px solid #b7e0e7;border-radius:20px;padding:23px;margin:28px 0}
.money strong{display:block;font-size:20px;margin-bottom:5px}
.sidebar{position:sticky;top:88px;padding-top:8px}
.sidebox{border:1px solid var(--line);border-radius:18px;padding:20px;margin-bottom:18px;background:#fff;box-shadow:0 7px 20px rgba(18,62,75,.04)}
.sidebox.cta{background:linear-gradient(155deg,#e6f7f9,#f8fbfb);border-color:#b8e1e8}
.sidebox h3{margin-top:0}.sidebox p,.sidebox li{font-size:14px;color:var(--muted)}.sidebox ul{padding-left:18px}
table{width:100%;border-collapse:collapse;margin:24px 0;font-size:15px}th,td{text-align:left;padding:12px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#f7fafb}
.sourcebox{font-size:14px;color:var(--muted);border-top:1px solid var(--line);margin-top:36px;padding-top:20px}
.category{padding:50px 0 75px}.category h1{font-size:54px}
footer{border-top:1px solid var(--line);padding:38px 22px;color:var(--muted);background:#fbfcfc}footer>div{max-width:var(--max);margin:auto}.disclosure{font-size:13px;max-width:850px}
.mobile-cta{display:none}
@media(max-width:900px){
 .article-layout{grid-template-columns:1fr}.sidebar{position:static;display:grid;grid-template-columns:1fr 1fr;gap:14px}.sidebox{margin:0}
 .navlinks a:not(.header-cta){display:none}
}
@media(max-width:700px){
 body{padding-bottom:68px}.hero{grid-template-columns:1fr;padding-top:42px}.hero-art{min-height:235px}
 .grid{grid-template-columns:1fr}.nav{padding:12px 15px}.brand{font-size:19px}.header-cta{font-size:13px;padding:9px 11px}
 h2{font-size:28px}.category h1{font-size:42px}.sidebar{grid-template-columns:1fr}
 .mobile-cta{display:block;position:fixed;left:12px;right:12px;bottom:10px;z-index:80;text-align:center;background:var(--brand);color:#fff;text-decoration:none;font-weight:850;padding:13px 16px;border-radius:12px;box-shadow:var(--shadow)}
}