:root{
  --ink:#13283c; --muted:#5d6c7b; --navy:#123a63; --blue:#1f6fb2;
  --amber:#f0a62b; --amber-dark:#b86c00; --paper:#ffffff; --wash:#f5f7fa;
  --line:#dce4eb; --ok:#1f7a5a; --max:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--wash);color:var(--ink);font:16px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--navy)}
img{max-width:100%}
.site-head{background:linear-gradient(120deg,var(--navy),#174f83);color:#fff;box-shadow:0 2px 12px #0c243822;position:sticky;top:0;z-index:20}
.nav{max-width:var(--max);margin:auto;display:flex;align-items:center;gap:18px;padding:12px 20px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;letter-spacing:.2px;white-space:nowrap}
.brand-mark{display:grid;place-items:center;width:36px;height:36px;border-radius:10px;background:var(--amber);color:#16324d;font-weight:900}
.nav-links{display:flex;gap:16px;align-items:center;margin-left:auto;flex-wrap:wrap}
.nav-links a{color:#eaf4ff;text-decoration:none;font-weight:650;font-size:.94rem}
.nav-links .cta{background:var(--amber);color:#17324c;padding:8px 13px;border-radius:9px}
main{max-width:var(--max);margin:auto;padding:30px 20px 64px}
.hero{background:linear-gradient(135deg,#fff,#f7fbff);border:1px solid var(--line);border-radius:22px;padding:44px;margin:18px 0 30px;box-shadow:0 14px 40px #16324d10}
.eyebrow{font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:var(--amber-dark)}
h1,h2,h3{line-height:1.18;color:#102c47}
h1{font-size:clamp(2rem,4vw,3.55rem);margin:.25em 0}
h2{font-size:clamp(1.45rem,2.5vw,2.1rem);margin-top:2rem}
h3{font-size:1.18rem;margin-top:1.45rem}
.lede{font-size:1.16rem;color:#364c60;max-width:850px}
.button-row{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0 4px}
.btn{display:inline-block;text-decoration:none;font-weight:800;border-radius:10px;padding:11px 16px;border:1px solid var(--navy)}
.btn.primary{background:var(--amber);color:#17324c;border-color:var(--amber)}
.btn.secondary{background:#fff;color:var(--navy)}
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;box-shadow:0 8px 22px #16324d0b}
.card h3{margin-top:0}
.card p{color:var(--muted)}
.article{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:34px;align-items:start}
.content{background:#fff;border:1px solid var(--line);border-radius:18px;padding:34px;box-shadow:0 10px 28px #16324d0b}
.sidebar{position:sticky;top:92px}
.module{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;margin-bottom:16px}
.module.money{border-top:5px solid var(--amber)}
.module h3{margin-top:0}
.note{border-left:4px solid var(--blue);background:#edf6ff;padding:14px 16px;border-radius:8px;margin:20px 0}
.warning{border-left-color:var(--amber-dark);background:#fff7e8}
.good{border-left-color:var(--ok);background:#edf9f4}
table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.95rem}
th,td{border:1px solid var(--line);text-align:left;padding:10px;vertical-align:top}
th{background:#edf3f8}
.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:16px}
.breadcrumbs a{color:var(--muted)}
.meta{font-size:.9rem;color:var(--muted);margin-bottom:22px}
.toc{background:#f7f9fb;border:1px solid var(--line);border-radius:12px;padding:16px 18px;margin:22px 0}
.toc strong{display:block;margin-bottom:8px}
.toc a{display:block;margin:5px 0}
.source-list{font-size:.9rem;color:var(--muted)}
.source-list li{margin-bottom:7px}
.kicker{display:inline-block;background:#e9f2fa;color:var(--navy);border-radius:999px;padding:4px 9px;font-size:.78rem;font-weight:800}
.footer{background:#0f2f4e;color:#d9e7f4}
.footer-inner{max-width:var(--max);margin:auto;padding:34px 20px;display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
.footer a{color:#fff}
.footer small{color:#b9c9d8}
.compare td:first-child{font-weight:700}
.callout-cta{background:linear-gradient(135deg,#123a63,#1f6fb2);color:#fff;border-radius:16px;padding:24px;margin:28px 0}
.callout-cta h2,.callout-cta h3{color:#fff;margin-top:0}
.callout-cta a{color:#fff}
.callout-cta .btn{background:var(--amber);color:#17324c;border:0}
@media(max-width:860px){
  .article{grid-template-columns:1fr}
  .sidebar{position:static}
  .grid{grid-template-columns:1fr 1fr}
  .nav{align-items:flex-start}
  .nav-links{gap:10px}
}
@media(max-width:620px){
  .site-head{position:static}
  .nav{display:block}
  .nav-links{margin-top:10px}
  .grid{grid-template-columns:1fr}
  .hero,.content{padding:24px}
  .footer-inner{grid-template-columns:1fr}
  h1{font-size:2.15rem}
}


/* production additions */
.inline-cta{margin:26px 0;padding:18px 20px;border:1px solid #d7e2ec;border-radius:14px;background:#f8fbfe}
.inline-cta strong{display:block;color:#102c47;font-size:1.05rem;margin-bottom:4px}
.inline-cta .btn{margin-top:8px}
.mobile-aff{display:none}
.source-note{font-size:.92rem;color:var(--muted);background:#f8fafc;border:1px solid var(--line);padding:12px 14px;border-radius:10px}
.checklist li{margin-bottom:9px}
.mini-table{font-size:.91rem}
@media(max-width:860px){
  .mobile-aff{display:flex;position:fixed;left:12px;right:12px;bottom:12px;z-index:30;background:#123a63;border:1px solid #ffffff33;border-radius:14px;padding:8px;box-shadow:0 10px 30px #0b223755;align-items:center;gap:10px}
  .mobile-aff span{color:#fff;font-size:.83rem;line-height:1.2;flex:1}
  .mobile-aff a{background:#f0a62b;color:#17324c;text-decoration:none;font-weight:800;padding:9px 12px;border-radius:9px;white-space:nowrap}
  body{padding-bottom:76px}
}