:root{--ink:#14202b;--muted:#64707c;--paper:#f7f8f5;--white:#fff;--line:#dfe5df;--blue:#0e5ee8;--navy:#0b1a30;--green:#0d9d76;--amber:#f4a629;--red:#c74747;--shadow:0 18px 55px rgba(20,32,43,.10);--radius:22px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65}a{color:inherit}.container{width:min(1160px,calc(100% - 36px));margin:auto}.narrow{width:min(820px,calc(100% - 36px));margin:auto}.topnote{background:#081426;color:#dbe8ff;font-size:.86rem;padding:9px 0}.topnote a{color:#fff}.header{position:sticky;top:0;z-index:40;background:rgba(247,248,245,.93);backdrop-filter:blur(14px);border-bottom:1px solid rgba(20,32,43,.08)}.headerin{height:72px;display:flex;align-items:center;gap:30px}.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:900;font-size:1.2rem;letter-spacing:-.03em}.mark{width:34px;height:34px;border-radius:11px;background:var(--blue);color:#fff;display:grid;place-items:center;font-weight:900;box-shadow:0 8px 22px rgba(14,94,232,.22)}nav{display:flex;gap:24px;margin-left:auto;align-items:center}nav a{text-decoration:none;font-size:.93rem;font-weight:700;color:#394654}nav a:hover{color:var(--blue)}.lang{font-size:.82rem;border:1px solid var(--line);padding:7px 10px;border-radius:999px;background:#fff}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:12px;padding:12px 17px;text-decoration:none;font-weight:850;border:1px solid transparent;transition:.2s}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--blue);color:#fff;box-shadow:0 10px 28px rgba(14,94,232,.2)}.btn-dark{background:var(--navy);color:#fff}.btn-soft{background:#fff;border-color:var(--line)}.menu{display:none;border:0;background:transparent;font-size:1.6rem}.hero{padding:78px 0 44px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:58px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.82rem;font-weight:850;color:var(--blue);text-transform:uppercase;letter-spacing:.11em}.eyebrow:before{content:"";width:26px;height:2px;background:var(--blue)}h1,h2,h3{line-height:1.12;letter-spacing:-.035em;margin-top:0}h1{font-size:clamp(2.65rem,6vw,5.25rem);margin:17px 0 20px;max-width:900px}.hero p{font-size:1.08rem;color:#51606c;max-width:660px}.actions{display:flex;flex-wrap:wrap;gap:11px;margin:28px 0}.micro{font-size:.82rem!important;color:#7a858d!important}.hero-art{background:linear-gradient(145deg,#eaf1ff,#fff 48%,#e8f8f2);padding:18px;border-radius:32px;box-shadow:var(--shadow);border:1px solid #e2e9e8}.hero-art img{width:100%;height:auto;display:block}.factbar{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:18px;overflow:hidden;margin-top:44px}.factbar div{background:#fff;padding:18px}.factbar b{display:block;font-size:.92rem}.factbar span{font-size:.79rem;color:var(--muted)}.section{padding:82px 0}.section.white{background:#fff}.section.dark{background:var(--navy);color:#fff}.section.dark p,.section.dark .muted{color:#a9b8c8}.head{display:flex;justify-content:space-between;gap:42px;align-items:end;margin-bottom:34px}.head h2{font-size:clamp(2rem,4vw,3.45rem);margin-bottom:0;max-width:720px}.head p{max-width:480px;margin:0;color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:25px;box-shadow:0 10px 30px rgba(20,32,43,.04)}.card .num{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:12px;background:#eef4ff;color:var(--blue);font-weight:900;margin-bottom:22px}.card h3{font-size:1.25rem;margin-bottom:10px}.card p{color:var(--muted);margin:0}.dark .card{background:#11243d;border-color:#1f3653}.dark .card p{color:#afbdcb}.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}.sticky{position:sticky;top:110px}.triples{margin:0;padding:0;display:grid;gap:11px}.triple{display:grid;grid-template-columns:1fr 1.1fr 1.5fr;gap:14px;padding:18px 0;border-bottom:1px solid var(--line)}.triple dt,.triple dd{margin:0}.triple dt{font-weight:900}.triple .rel{font-size:.82rem;color:var(--blue);font-weight:800}.triple .val{color:#50606c}.note{padding:18px 20px;border-radius:16px;background:#fff8e8;border:1px solid #f1d99e;color:#6d5421}.risk{padding:22px;border-radius:18px;background:#fff1f0;border:1px solid #efc1bd}.risk strong{color:#9c2f2a}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;counter-reset:step}.step{padding:23px;border:1px solid var(--line);background:#fff;border-radius:18px}.step:before{counter-increment:step;content:counter(step,decimal-leading-zero);display:block;color:var(--blue);font-size:.82rem;font-weight:900;margin-bottom:18px}.step h3{font-size:1.1rem}.step p{color:var(--muted);font-size:.94rem}.quote{font-size:1.45rem;line-height:1.45;font-weight:750;letter-spacing:-.02em;border-left:4px solid var(--blue);padding-left:22px;margin:25px 0}.check{display:grid;gap:10px;padding:0;list-style:none}.check li{padding:12px 14px;background:#f2f5f2;border-radius:12px}.check li:before{content:"✓";color:var(--green);font-weight:900;margin-right:9px}.faq{display:grid;gap:10px}.faq details{background:#fff;border:1px solid var(--line);border-radius:15px;padding:0 18px}.faq summary{cursor:pointer;font-weight:850;padding:18px 0}.faq p{color:var(--muted);margin-top:0}.cta{padding:60px 0;background:linear-gradient(135deg,#0b1a30,#0e5ee8);color:#fff}.ctain{display:flex;align-items:center;justify-content:space-between;gap:30px}.ctain h2{font-size:clamp(2rem,4vw,3.5rem);margin:0 0 8px}.ctain p{margin:0;color:#d4e0ef}.footer{padding:54px 0 28px;background:#07111f;color:#d7e0ea}.footgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:36px}.footer p,.footer a{color:#aab8c6;font-size:.9rem}.footer a{display:block;margin:6px 0;text-decoration:none}.footer h4{margin:0 0 12px;color:#fff}.disclosure{margin-top:34px;padding-top:22px;border-top:1px solid #1b2a3b;font-size:.83rem;color:#91a2b2}.breadcrumbs{font-size:.84rem;color:#788590;padding:22px 0 0}.breadcrumbs a{text-decoration:none;color:#50606c}.article{padding:42px 0 82px}.article h1{font-size:clamp(2.4rem,5vw,4.3rem)}.article h2{font-size:2rem;margin-top:44px}.article p,.article li{font-size:1.02rem}.article p{color:#3f4d58}.article ul{padding-left:22px}.toc{background:#fff;border:1px solid var(--line);padding:20px;border-radius:16px;margin:26px 0}.toc a{display:inline-block;margin:5px 13px 5px 0;color:var(--blue);font-weight:750;text-decoration:none}.byline{display:flex;gap:14px;flex-wrap:wrap;font-size:.82rem;color:#72808b;margin:10px 0 28px}.pill{padding:6px 9px;border:1px solid var(--line);border-radius:999px;background:#fff}.sourcebox{background:#eef4ff;border:1px solid #ceddff;padding:17px;border-radius:14px;color:#35506e}.two{display:grid;grid-template-columns:1fr 1fr;gap:20px}.legalbox{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px}.legalbox h3{margin-bottom:8px}.legalbox p{margin:0;color:var(--muted)}
@media(max-width:900px){nav{display:none;position:absolute;top:72px;left:18px;right:18px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}nav.open{display:flex}.menu{display:block;margin-left:auto}.headerin>.btn{display:none}.hero-grid,.split{grid-template-columns:1fr}.hero{padding-top:52px}.hero-art{max-width:690px}.factbar{grid-template-columns:1fr 1fr}.cards,.steps{grid-template-columns:1fr 1fr}.sticky{position:static}.head{display:block}.head p{margin-top:16px}.footgrid{grid-template-columns:1fr 1fr}.ctain{display:block}.ctain .btn{margin-top:20px}.triple{grid-template-columns:1fr}.two{grid-template-columns:1fr}}
@media(max-width:600px){.container,.narrow{width:min(100% - 24px,1160px)}.hero{padding-top:38px}.cards,.steps,.factbar,.footgrid{grid-template-columns:1fr}h1{font-size:2.65rem}.section{padding:60px 0}.hero-grid{gap:34px}.triple{gap:4px}.lang{display:none}}