:root{--ink:#17202a;--muted:#59636e;--line:#e1e6ea;--paper:#fff;--soft:#f5f8f7;--brand:#0c6b58;--brand2:#084c3f;--accent:#e4a11b;--danger:#8b3a3a;--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:var(--paper);line-height:1.65}
a{color:var(--brand2);text-decoration-thickness:.08em;text-underline-offset:.14em}img{max-width:100%}.wrap{width:min(var(--max),calc(100% - 32px));margin:auto}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;background:#fff;padding:8px;z-index:99}
.topbar{background:#0e1816;color:#dfe8e5;font-size:.88rem;text-align:center;padding:7px 16px}.topbar a{color:#fff}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}
.header-inner{display:flex;align-items:center;gap:22px;min-height:72px}.brand{display:flex;align-items:center;gap:10px;font-weight:900;font-size:1.18rem;text-decoration:none;color:var(--ink);white-space:nowrap}.brand-mark{width:34px;height:34px;border-radius:9px;background:var(--brand);display:grid;place-items:center;color:white;font-weight:900}
nav{display:flex;gap:17px;align-items:center;margin-left:auto}nav a{text-decoration:none;color:#303b43;font-size:.94rem;font-weight:700}.cta,.btn{display:inline-block;background:var(--brand);color:#fff!important;text-decoration:none;border-radius:8px;padding:11px 15px;font-weight:800;border:0}.cta:hover,.btn:hover{background:var(--brand2)}.cta small{display:block;font-size:.7rem;font-weight:500}
.hero{padding:70px 0 52px;background:linear-gradient(135deg,#eef7f4 0%,#fff 60%)}.hero-grid{display:grid;grid-template-columns:1.4fr .9fr;gap:48px;align-items:center}.eyebrow{font-weight:850;color:var(--brand);text-transform:uppercase;letter-spacing:.08em;font-size:.78rem}.hero h1,.article h1{font-size:clamp(2.2rem,5vw,4rem);line-height:1.02;letter-spacing:-.035em;margin:.25em 0}.hero p{font-size:1.15rem;color:var(--muted);max-width:720px}
.bench-card{border:1px solid var(--line);background:#fff;border-radius:16px;padding:22px;box-shadow:0 14px 40px rgba(20,40,35,.08)}.bench-card strong{font-size:1.2rem}.meter{height:9px;background:#e8eeeb;border-radius:9px;overflow:hidden;margin:8px 0 18px}.meter span{display:block;height:100%;background:var(--brand)}
.section{padding:56px 0}.soft{background:var(--soft)}.section h2{font-size:2rem;letter-spacing:-.02em}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:13px;padding:20px;background:#fff}.card h3{margin:.35em 0}.pill{display:inline-block;font-size:.73rem;font-weight:800;padding:4px 8px;border-radius:999px;background:#e7f2ef;color:var(--brand2)}
.article-wrap{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:50px;padding:42px 0}.breadcrumbs{font-size:.86rem;color:var(--muted);margin-bottom:24px}.article h1{font-size:clamp(2.2rem,5vw,3.65rem)}.dek{font-size:1.18rem;color:var(--muted)}.article h2{font-size:1.75rem;margin-top:2.1em;line-height:1.2}.article h3{margin-top:1.6em}.article table{width:100%;border-collapse:collapse;margin:22px 0}.article th,.article td{text-align:left;padding:11px;border:1px solid var(--line);vertical-align:top}.article th{background:var(--soft)}.note{border-left:4px solid var(--accent);background:#fff9eb;padding:15px 17px;margin:24px 0}.risk{border-left-color:var(--danger);background:#fff4f4}
.sidebar{position:relative}.sticky{position:sticky;top:96px}.sidebox{border:1px solid var(--line);border-radius:13px;padding:18px;margin-bottom:18px;background:#fff}.sidebox h3{margin-top:0}.affbox{background:#eef7f4;border-color:#c9e2da}.affbox .btn{width:100%;text-align:center}.disclosure{font-size:.78rem;color:var(--muted);margin-top:9px}
.inline-cta{margin:36px 0;padding:24px;border-radius:14px;background:#0e1816;color:#fff}.inline-cta a{color:#fff}.inline-cta h3{margin:0 0 8px}.inline-cta p{color:#dfe8e5}.inline-cta .btn{background:#fff;color:#0e1816!important}
.related{border-top:1px solid var(--line);margin-top:42px;padding-top:24px}.related ul{padding-left:18px}
footer{background:#0e1816;color:#ccd8d4;padding:44px 0 90px}footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:32px}
.mobile-cta{display:none}.menu-btn{display:none}
@media(max-width:900px){nav a:not(.header-cta){display:none}.menu-btn{display:inline-block;margin-left:auto;background:none;border:1px solid var(--line);padding:8px 10px;border-radius:7px}.hero-grid,.article-wrap{grid-template-columns:1fr}.sidebar{display:none}.grid{grid-template-columns:1fr 1fr}.header-inner{gap:10px}.header-cta{font-size:.82rem;padding:9px 11px}.mobile-cta{display:block;position:fixed;bottom:0;left:0;right:0;z-index:80;background:#0e1816;padding:9px 14px;border-top:1px solid #273733}.mobile-cta a{display:block;text-align:center}.article-wrap{padding-top:28px}}
@media(max-width:620px){.grid{grid-template-columns:1fr}.hero{padding-top:44px}.topbar{font-size:.78rem}.brand{font-size:1.03rem}.brand-mark{width:30px;height:30px}.footer-grid{grid-template-columns:1fr}.header-cta{display:none!important}.article h1{font-size:2.35rem}}