:root{--ink:#17212b;--muted:#5b6570;--paper:#fbfcfd;--panel:#f1f5f8;--line:#dfe6ec;--accent:#1565c0;--accent2:#0d47a1;--warn:#7a4b00;--warnbg:#fff6df;--ok:#0b6b45}
*{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:1.72}
a{color:var(--accent);text-decoration-thickness:.08em;text-underline-offset:.14em}.wrap{width:min(1180px,calc(100% - 32px));margin:auto}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:70px}.brand{font-size:1.25rem;font-weight:800;text-decoration:none;color:var(--ink);display:flex;align-items:center;gap:10px}.mark{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--accent),var(--accent2));display:grid;place-items:center;color:#fff;font-weight:900}.navlinks{display:flex;gap:18px;align-items:center;flex-wrap:wrap}.navlinks a{text-decoration:none;color:var(--ink);font-weight:650;font-size:.95rem}
.hero{padding:68px 0 42px;background:linear-gradient(180deg,#eef6ff 0,#fbfcfd 100%)}.hero h1{font-size:clamp(2.2rem,6vw,4.7rem);line-height:1.02;letter-spacing:-.045em;max-width:900px;margin:.2em 0}.eyebrow{font-weight:800;color:var(--accent2);text-transform:uppercase;letter-spacing:.11em;font-size:.78rem}.hero p{font-size:1.14rem;color:var(--muted);max-width:780px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:44px;padding:42px 0}.article{max-width:780px}.article h1{font-size:clamp(2rem,4vw,3.2rem);line-height:1.08;letter-spacing:-.035em}.article h2{font-size:1.65rem;line-height:1.2;margin-top:2.1em}.article h3{font-size:1.2rem;margin-top:1.6em}.lede{font-size:1.13rem;color:#37424d}.breadcrumbs{font-size:.88rem;color:var(--muted);margin:18px 0}.breadcrumbs a{color:inherit}.risk-box{background:var(--warnbg);border:1px solid #ead59d;border-left:5px solid #c18413;padding:18px 20px;border-radius:10px;margin:26px 0}.affiliate-box{border:1px solid #bcd2ea;background:#f3f8fe;padding:20px;border-radius:14px;margin:26px 0;display:grid;gap:12px}.affiliate-box p{margin:.2em 0}.affiliate-box small{color:var(--muted)}.btn{display:inline-flex;justify-content:center;align-items:center;padding:12px 18px;background:var(--accent2);color:#fff!important;border-radius:9px;text-decoration:none;font-weight:800;width:max-content}.btn:hover{filter:brightness(.95)}
.sticky-card{position:sticky;top:96px;border:1px solid var(--line);background:white;padding:20px;border-radius:14px;box-shadow:0 8px 30px rgba(20,40,70,.06)}.sticky-card h3{margin-top:0}.sticky-card .btn{width:100%}.toc{border:1px solid var(--line);padding:18px;border-radius:12px;background:#fff}.toc a{display:block;margin:.35em 0;text-decoration:none}.table-wrap{overflow:auto}table{border-collapse:collapse;width:100%;font-size:.96rem}th,td{border-bottom:1px solid var(--line);padding:12px;text-align:left}th{background:var(--panel)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:24px 0}.card{background:#fff;border:1px solid var(--line);padding:20px;border-radius:14px}.card h3{margin:.2em 0}.card p{color:var(--muted)}.card a{font-weight:750}.cluster-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.cluster-grid a{display:block;border:1px solid var(--line);background:#fff;padding:16px;border-radius:11px;text-decoration:none;font-weight:700}
.related{margin-top:42px;border-top:1px solid var(--line);padding-top:30px}.related ul{columns:2}.source-list{font-size:.94rem}.source-list li{margin:.45em 0}
footer{background:#111a22;color:#d5dde5;padding:46px 0;margin-top:60px}footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.offer-popup{position:fixed;inset:0;background:rgba(9,17,25,.72);z-index:100;display:none;align-items:center;justify-content:center;padding:20px}.offer-popup.open{display:flex}.offer-inner{width:min(860px,100%);background:#fff;border-radius:20px;overflow:hidden;display:grid;grid-template-columns:1.05fr .95fr;box-shadow:0 20px 80px rgba(0,0,0,.28)}.offer-art{min-height:380px;background:radial-gradient(circle at 20% 20%,#4da3ff 0,#135bb5 35%,#0a2d57 100%);color:#fff;padding:38px;display:flex;flex-direction:column;justify-content:flex-end}.offer-copy{padding:36px;position:relative}.offer-close{position:absolute;right:16px;top:12px;border:0;background:transparent;font-size:28px;cursor:pointer}.offer-copy .btn{width:100%}
.notice{font-size:.85rem;color:var(--muted)}.page-list{columns:2}.page-list li{break-inside:avoid;margin:.4em 0}
@media(max-width:900px){.layout{grid-template-columns:1fr}.sidebar{order:-1}.sticky-card{position:static}.cards{grid-template-columns:1fr 1fr}.navlinks{display:none}.offer-inner{grid-template-columns:1fr}.offer-art{min-height:220px}.related ul{columns:1}}
@media(max-width:620px){.wrap{width:min(100% - 22px,1180px)}.hero{padding:44px 0 28px}.cards,.cluster-grid,.footer-grid{grid-template-columns:1fr}.page-list{columns:1}.offer-copy,.offer-art{padding:24px}.btn{width:100%}.layout{padding-top:24px}}

.header-cta{display:inline-flex;align-items:center;justify-content:center;padding:10px 14px;background:var(--accent2);color:#fff!important;border-radius:9px;text-decoration:none;font-weight:800;white-space:nowrap}
.header-cta:hover{filter:brightness(.95)}
@media(max-width:900px){.header-cta{margin-left:auto;font-size:.9rem;padding:9px 11px}}