:root{
  --ink:#111c37;--muted:#53617a;--navy:#0b1430;--navy2:#152653;--blue:#2859db;
  --violet:#6c4fe0;--cyan:#16a8c7;--amber:#f4a62a;--paper:#ffffff;--mist:#f3f6fc;
  --pale:#eef3ff;--lav:#f2efff;--line:#d9e1f1;--success:#0d7868;--danger:#9b2c2c;
  --shadow:0 18px 50px rgba(15,31,73,.12);--radius:18px
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--paper);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.66}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.wrap{width:min(1200px,calc(100% - 48px));margin-inline:auto}
.content-wrap{width:min(940px,calc(100% - 48px));margin-inline:auto}
.publisher-bar{background:#07102a;color:#dbe6ff;font-size:.84rem}
.publisher-bar .wrap{display:flex;justify-content:space-between;gap:20px;padding:8px 0}
.publisher-bar a{color:#fff}
header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:82px;gap:28px}
.logo{display:flex;align-items:center;min-width:280px}
.logo img{width:340px}
nav ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:18px}
nav a{font-size:.91rem;font-weight:750;color:#253557}
nav a:hover{text-decoration:none;color:var(--blue)}
.menu-button{display:none;background:transparent;border:1px solid var(--line);border-radius:10px;font-size:1.4rem;padding:8px 12px}
.button,.button-outline{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:10px;padding:12px 17px;font-weight:800;line-height:1.15;border:1px solid var(--blue);transition:.18s ease}
.button{background:var(--blue);color:#fff}
.button:hover{background:#1947c7;text-decoration:none;transform:translateY(-1px)}
.button-outline{background:#fff;color:var(--blue)}
.button-outline:hover{background:var(--pale);text-decoration:none}
.button.light{background:#fff;color:var(--navy);border-color:#fff}
.button-outline.light{background:transparent;color:#fff;border-color:#bac8f0}
.hero{overflow:hidden;background:
 radial-gradient(circle at 82% 18%,rgba(108,79,224,.25),transparent 28%),
 radial-gradient(circle at 66% 76%,rgba(22,168,199,.20),transparent 24%),
 linear-gradient(135deg,#08132e,#152a5d 62%,#13214c);color:#fff}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:55px;align-items:center;padding:88px 0}
.eyebrow,.section-kicker{font-size:.78rem;font-weight:900;letter-spacing:.12em;text-transform:uppercase;color:var(--cyan)}
.hero .eyebrow{color:#8ce6f3}
h1,h2,h3{font-family:Manrope,Inter,ui-sans-serif,system-ui,sans-serif;line-height:1.12;letter-spacing:-.025em}
h1{font-size:clamp(2.8rem,5.5vw,5.2rem);margin:.6rem 0 1.2rem}
.hero p{font-size:1.2rem;color:#dce5ff;max-width:760px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.hero .button-outline{background:transparent;border-color:#aebfe7;color:#fff}
.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.19);border-radius:26px;padding:22px;box-shadow:0 28px 70px rgba(0,0,0,.22)}
.diagram-note{font-size:.86rem!important;color:#cbd7f5!important;margin:9px 5px 0}
.trust-row{background:#fff;border-bottom:1px solid var(--line)}
.trust-row .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line)}
.trust-item{background:#fff;padding:26px 23px;color:var(--muted);font-size:.91rem}
.trust-item strong{display:block;color:var(--navy);font-size:1rem;margin-bottom:5px}
.page-hero{background:
 radial-gradient(circle at 85% 20%,rgba(108,79,224,.14),transparent 25%),
 linear-gradient(180deg,#f6f8ff,#eef3ff);border-bottom:1px solid var(--line)}
.page-hero .wrap{padding:64px 0 56px}
.page-hero h1{font-size:clamp(2.45rem,4.8vw,4.35rem);color:var(--navy);max-width:1030px}
.page-hero p{font-size:1.18rem;color:#485976;max-width:890px}
.breadcrumb{font-size:.84rem;color:#67748c;margin-bottom:22px}
.article-meta{display:flex;flex-wrap:wrap;gap:16px;color:#68758d;font-size:.84rem;margin-top:20px}
.content-section{margin:72px 0}
.content-section h2{font-size:clamp(2rem,3.5vw,3rem);margin:.48rem 0 1rem;color:var(--navy)}
.content-section h3{font-size:1.25rem;color:var(--navy)}
.content-section p,.content-section li{font-size:1.02rem}
.lead{font-size:1.24rem!important;color:#3f506e}
.grid-2,.grid-3,.grid-4{display:grid;gap:20px;margin:26px 0}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff;box-shadow:0 8px 28px rgba(22,39,82,.06)}
.card h3{margin-top:0}
.card p:last-child{margin-bottom:0}
.card.featured{border:2px solid var(--blue);background:linear-gradient(180deg,#fff,#f4f7ff)}
.card.violet{background:var(--lav)}
.card.cyan{background:#effbfc}
.card.amber{background:#fff8e9}
.text-link{font-weight:800}
.callout{border-left:5px solid var(--blue);border-radius:0 14px 14px 0;background:var(--pale);padding:20px 22px;margin:26px 0}
.callout.warning{border-color:var(--amber);background:#fff8e8}
.callout.danger{border-color:var(--danger);background:#fff1f1}
.callout.success{border-color:var(--success);background:#edf9f6}
.check-list{list-style:none;padding:0}
.check-list li{position:relative;padding-left:30px;margin:10px 0}
.check-list li::before{content:"✓";position:absolute;left:0;top:0;color:var(--success);font-weight:900}
.numbered{counter-reset:steps;list-style:none;padding:0}
.numbered li{counter-increment:steps;position:relative;padding-left:52px;margin:18px 0;min-height:38px}
.numbered li::before{content:counter(steps);position:absolute;left:0;top:-2px;width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:var(--blue);color:#fff;font-weight:900}
.table-scroll{overflow-x:auto;margin:28px 0;border:1px solid var(--line);border-radius:14px}
table{width:100%;border-collapse:collapse;background:#fff;min-width:700px}
caption{text-align:left;padding:14px 16px;font-weight:800;background:var(--mist)}
th,td{text-align:left;vertical-align:top;padding:14px 16px;border-bottom:1px solid var(--line)}
th{background:var(--navy);color:#fff;font-size:.88rem;letter-spacing:.02em}
tr:last-child td{border-bottom:0}
code,.formula{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace}
.formula{display:block;background:#07102a;color:#dce8ff;padding:18px 20px;border-radius:12px;margin:20px 0;overflow:auto}
.source-list li{margin-bottom:15px}
.cta-band{display:grid;grid-template-columns:1.4fr .8fr;gap:35px;align-items:center;background:linear-gradient(135deg,#0a1738,#273e81);color:#fff;border-radius:25px;padding:42px;margin:65px 0}
.cta-band h2{margin:.3rem 0;color:#fff;font-size:2rem}
.cta-band p{color:#dce5ff}
.cta-actions{display:flex;flex-wrap:wrap;gap:10px;justify-content:flex-end}
.faq details{border-top:1px solid var(--line);padding:18px 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font-weight:800;font-size:1.05rem;color:var(--navy)}
.faq-answer{padding:12px 0;color:#475773}
.selector-card,.calculator-card,.brief-card{border:1px solid var(--line);border-radius:22px;padding:28px;background:linear-gradient(180deg,#f8faff,#eef3ff);box-shadow:var(--shadow);margin:28px 0}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.form-grid label,.full-field{display:grid;gap:7px;font-weight:760}
.form-grid select,.form-grid input,.form-grid textarea,.full-field input,.full-field textarea,.full-field select{
 width:100%;padding:12px 13px;border:1px solid #aebad4;border-radius:9px;background:#fff;font:inherit;color:var(--ink)
}
.form-grid textarea,.full-field textarea{min-height:115px;resize:vertical}
.form-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.result-box{margin-top:24px;border-left:5px solid var(--amber);background:#fff8e8;border-radius:0 14px 14px 0;padding:22px}
.result-box h3{margin-top:0}
.result-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.result-tag{display:inline-block;border-radius:999px;background:#dfe8ff;color:#1d3f9f;padding:5px 10px;font-size:.78rem;font-weight:900;letter-spacing:.06em}
.metric{border:1px solid var(--line);border-radius:16px;padding:22px;background:#fff}
.metric strong{display:block;font-size:2rem;color:var(--blue)}
.scale-bar{display:grid;grid-template-columns:repeat(6,1fr);border-radius:999px;overflow:hidden;margin:28px 0;box-shadow:var(--shadow)}
.scale-bar span{padding:12px 8px;text-align:center;color:#fff;font-size:.78rem;font-weight:800}
.scale-bar span:nth-child(1){background:#432b9f}.scale-bar span:nth-child(2){background:#5c41c2}.scale-bar span:nth-child(3){background:#305dcc}.scale-bar span:nth-child(4){background:#168cb0}.scale-bar span:nth-child(5){background:#168174}.scale-bar span:nth-child(6){background:#9b6c15}
.tabs{display:flex;gap:9px;flex-wrap:wrap;margin:20px 0}
.tabs a{border:1px solid var(--line);border-radius:999px;padding:7px 12px;font-size:.87rem;font-weight:800;background:#fff}
blockquote{margin:26px 0;padding:20px 24px;border-left:4px solid var(--violet);background:var(--lav);font-size:1.08rem}
.pill{display:inline-block;border-radius:999px;background:#e9edff;color:#273a8e;padding:5px 10px;font-size:.78rem;font-weight:800;margin:3px}
footer{background:#07102a;color:#d7e2fa;margin-top:78px}
footer .wrap{padding:58px 0 28px}
.footer-grid{display:grid;grid-template-columns:1.35fr .75fr .85fr;gap:50px}
.footer-logo{filter:brightness(0) invert(1);max-width:330px}
footer h3{color:#fff}
footer a{color:#e1e8ff}
.footer-links{list-style:none;padding:0}
.footer-links li{margin:8px 0}
.ap-seal{display:inline-block;border:1px solid #526798;border-radius:999px;padding:6px 11px;color:#dbe5ff;font-size:.82rem}
.fineprint{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #2b3b67;margin-top:38px;padding-top:20px;font-size:.82rem;color:#9eafd2}
@media(max-width:1100px){nav ul{gap:11px}.logo img{width:285px}nav a{font-size:.83rem}.cta-band{grid-template-columns:1fr}.cta-actions{justify-content:flex-start}}
@media(max-width:930px){
 .hero-grid,.footer-grid,.grid-3,.grid-4,.grid-2,.form-grid,.result-grid{grid-template-columns:1fr}
 .trust-row .wrap{grid-template-columns:1fr 1fr}
 nav ul{display:none;position:absolute;top:82px;left:0;right:0;background:#fff;padding:22px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start}
 nav ul.open{display:flex}.menu-button{display:block}.logo img{width:245px}.publisher-bar .wrap{display:block;text-align:center}.hero-grid{padding:68px 0}.hero-card{max-width:650px}
}
@media(max-width:580px){.wrap,.content-wrap{width:min(100% - 28px,1200px)}.trust-row .wrap{grid-template-columns:1fr}h1{font-size:2.45rem}.page-hero .wrap{padding-top:45px}.cta-band{padding:28px}.selector-card,.calculator-card,.brief-card{padding:20px}.fineprint{display:block}.fineprint span{display:block;margin-top:8px}}
@media print{.publisher-bar,header,footer,.cta-band,.no-print{display:none!important}.page-hero{background:#fff;border:0}.page-hero .wrap{padding:0}.content-wrap{width:100%}.content-section{margin:28px 0}.card{box-shadow:none}.brief-card,.calculator-card{box-shadow:none;border-color:#444}}