:root{
  --ink:#153643;--muted:#5e7480;--line:#d8e6e9;--paper:#ffffff;
  --wash:#f3faf9;--teal:#138b87;--teal2:#0f6f74;--sky:#dff3f5;
  --sand:#f7f4ec;--warn:#fff8e8;--max:1120px;
}
*{box-sizing:border-box} 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(--teal2);text-decoration-thickness:.08em;text-underline-offset:.16em}
img{max-width:100%}.wrap{width:min(var(--max),calc(100% - 32px));margin:auto}
.site-head{border-bottom:1px solid var(--line);background:rgba(255,255,255,.96);position:sticky;top:0;z-index:10}
.headrow{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink);font-weight:850;letter-spacing:-.02em}
.mark{width:38px;height:38px;border-radius:13px;background:linear-gradient(140deg,var(--teal),#62c8bd);display:grid;place-items:center;color:white;font-size:21px;box-shadow:0 8px 24px rgba(19,139,135,.2)}
nav{display:flex;gap:18px;align-items:center} nav a{color:var(--ink);text-decoration:none;font-size:.95rem;font-weight:650}
.navcta{padding:10px 14px;border-radius:999px;background:var(--ink);color:white!important}
.hero{padding:72px 0 52px;background:linear-gradient(180deg,var(--wash),white)}
.eyebrow{display:inline-flex;gap:8px;align-items:center;font-size:.82rem;text-transform:uppercase;letter-spacing:.1em;font-weight:800;color:var(--teal2)}
h1,h2,h3{line-height:1.12;letter-spacing:-.035em} h1{font-size:clamp(2.5rem,6vw,5.3rem);max-width:920px;margin:.18em 0 .24em} h2{font-size:clamp(1.8rem,3.4vw,3rem);margin:1.7em 0 .5em} h3{font-size:1.25rem}
.lede{font-size:clamp(1.08rem,2vw,1.32rem);max-width:760px;color:var(--muted)}
.btnrow{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-block;text-decoration:none;padding:13px 18px;border-radius:12px;font-weight:800}.btn.primary{background:var(--teal);color:white}.btn.secondary{border:1px solid var(--line);background:white;color:var(--ink)}
.grid{display:grid;grid-template-columns:repeat(12,1fr);gap:20px}.card{border:1px solid var(--line);border-radius:20px;padding:24px;background:white;box-shadow:0 8px 30px rgba(24,63,76,.045)}.card h3{margin-top:0}.span6{grid-column:span 6}.span4{grid-column:span 4}
section{padding:34px 0}.soft{background:var(--wash)}.sand{background:var(--sand)}
.article{width:min(790px,calc(100% - 32px));margin:0 auto;padding:48px 0 70px}.article h1{font-size:clamp(2.35rem,6vw,4.6rem)}.article p,.article li{font-size:1.04rem}.article .meta{color:var(--muted);font-size:.92rem}.article ul{padding-left:1.25rem}.article hr{border:0;border-top:1px solid var(--line);margin:34px 0}
.notice{border:1px solid #edd7a2;background:var(--warn);border-radius:14px;padding:16px 18px;margin:24px 0}.disclosure{border-left:4px solid var(--teal);background:var(--wash);padding:14px 18px;margin:22px 0}
.ctabox{margin:32px 0;padding:25px;border-radius:20px;background:var(--ink);color:white}.ctabox h3{margin-top:0;color:white}.ctabox p{color:#d7e5e9}.ctabox .btn{background:white;color:var(--ink)}
.kicker{font-weight:850;color:var(--teal2)}.sources{font-size:.95rem}.sources li{margin:.5rem 0}
footer{border-top:1px solid var(--line);padding:38px 0 48px;color:var(--muted)}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.footlinks a{display:block;margin:.35rem 0;text-decoration:none}
.breadcrumbs{font-size:.9rem;color:var(--muted);margin-bottom:20px}.breadcrumbs a{text-decoration:none}
.tablewrap{overflow-x:auto}.compare{border-collapse:collapse;width:100%;min-width:620px}.compare th,.compare td{border-bottom:1px solid var(--line);padding:14px;text-align:left;vertical-align:top}.compare th{background:var(--wash)}
.small{font-size:.9rem;color:var(--muted)} .pill{display:inline-block;border:1px solid var(--line);border-radius:999px;padding:5px 10px;margin:3px;font-size:.85rem;background:white}
@media(max-width:800px){nav a:not(.navcta){display:none}.hero{padding-top:48px}.span6,.span4{grid-column:1/-1}.footgrid{grid-template-columns:1fr}.headrow{min-height:64px}.brand{font-size:.95rem}}