:root{--blue-900:#102A43;--blue-600:#1D70B8;--bg:#F5F7FA;--text:#1F2933;--green:#2F855A;--yellow:#F6C343;--line:#D9E2EC;--white:#fff;--shadow:0 10px 30px rgba(16,42,67,.08)}
*{box-sizing:border-box}
body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
a{color:var(--blue-600);text-decoration:none}
a:hover{text-decoration:underline}
.top-disclaimer{background:var(--yellow);color:#1a1a1a;text-align:center;font-weight:700;padding:.65rem 1rem;font-size:.95rem}
.site-header{display:flex;align-items:center;justify-content:space-between;gap:1rem;background:var(--white);padding:1rem max(1rem,calc((100vw - 1120px)/2));border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.logo{display:flex;align-items:center;gap:.55rem;color:var(--blue-900);font-weight:800;font-size:1.1rem}
.logo:hover{text-decoration:none}
.main-nav{display:flex;align-items:center;gap:1rem}
.main-nav a{color:var(--text);font-weight:650}
.menu-toggle{display:none;background:var(--blue-900);color:#fff;border:0;border-radius:6px;padding:.6rem .8rem}
.hero{background:linear-gradient(135deg,#102A43 0%,#1D70B8 100%);color:#fff}
.hero-inner{max-width:1120px;margin:auto;padding:5rem 1rem}
.hero h1{max-width:850px;font-size:clamp(2rem,4vw,4.1rem);line-height:1.08;margin:.5rem 0 1rem}
.hero p{max-width:760px;font-size:1.18rem}
.eyebrow{font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;font-weight:800;color:var(--green)}
.hero .eyebrow{color:#BEE3F8}
.hero-search{display:flex;gap:.6rem;margin-top:1.7rem;max-width:820px;background:#fff;padding:.55rem;border-radius:8px;box-shadow:var(--shadow)}
.hero-search input,.filter-form input,.filter-form select{width:100%;border:1px solid var(--line);border-radius:6px;padding:.95rem;font:inherit}
button,.button{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:6px;background:var(--blue-600);color:#fff;font-weight:800;padding:.85rem 1.1rem;cursor:pointer}
button:hover,.button:hover{background:var(--blue-900);text-decoration:none}
.container{max-width:1120px;margin:0 auto;padding:3rem 1rem}
.section-heading{display:flex;justify-content:space-between;gap:1rem;align-items:end;margin-bottom:1rem}
h1,h2,h3{line-height:1.2;color:var(--blue-900)}
h1{font-size:clamp(2rem,3vw,3.25rem)}
h2{font-size:1.6rem}
.lead{font-size:1.2rem;max-width:820px}
.card-grid,.article-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.card,.list-cards a,.trust-box,.disclaimer-box,.notice{background:#fff;border:1px solid var(--line);border-radius:8px;padding:1.2rem;box-shadow:var(--shadow)}
.card{display:block;color:var(--text)}
.card h3,.card h2{margin-top:0}
.list-cards{display:grid;gap:.75rem}
.list-cards a{display:flex;justify-content:space-between;gap:1rem;color:var(--text)}
.list-cards span{font-weight:800;color:var(--blue-900)}
.list-cards small{color:#52616B}
.split{display:grid;grid-template-columns:2fr 1fr;gap:1.2rem;align-items:start}
.trust-box{border-left:5px solid var(--green)}
.pill-grid{display:flex;flex-wrap:wrap;gap:.7rem}
.pill-grid a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.6rem .9rem;color:var(--blue-900);font-weight:700}
.disclaimer-box{border-left:5px solid var(--yellow)}
.breadcrumbs{display:flex;flex-wrap:wrap;gap:.45rem;align-items:center;font-size:.9rem;margin-bottom:1rem;color:#52616B}
.article-page .meta-strip{display:flex;flex-wrap:wrap;gap:.65rem;margin:1.4rem 0}
.meta-strip span{background:#EAF4FF;border:1px solid #C7E0F4;border-radius:999px;padding:.45rem .75rem;font-size:.9rem}
.content-layout{display:grid;grid-template-columns:230px 1fr;gap:2rem;align-items:start}
.toc{position:sticky;top:88px;display:grid;gap:.55rem;background:#fff;border:1px solid var(--line);border-radius:8px;padding:1rem}
.content{background:#fff;border:1px solid var(--line);border-radius:8px;padding:1.5rem}
.narrow{max-width:860px}
details{border:1px solid var(--line);border-radius:8px;padding:.8rem;margin:.7rem 0;background:#fff}
summary{font-weight:800;cursor:pointer}
.filter-form{display:grid;grid-template-columns:2fr 1fr auto;gap:.7rem;background:#fff;border:1px solid var(--line);padding:1rem;border-radius:8px}
.legal{max-width:860px}
.site-footer{background:var(--blue-900);color:#EAF4FF;margin-top:3rem}
.footer-grid{max-width:1120px;margin:auto;display:grid;grid-template-columns:2fr 1fr;gap:2rem;padding:2rem 1rem}
.site-footer a{display:block;color:#EAF4FF;margin:.35rem 0}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
@media (max-width:800px){
  .menu-toggle{display:inline-flex}.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:1rem;flex-direction:column;align-items:flex-start}.main-nav.open{display:flex}
  .hero-inner{padding:3.2rem 1rem}.hero-search,.filter-form{grid-template-columns:1fr;display:grid}.card-grid,.article-grid,.split,.content-layout,.footer-grid{grid-template-columns:1fr}.toc{position:static}.list-cards a{display:block}.site-header{position:relative}
}