:root{--navy:#0c1b2b;--navy-2:#13283e;--yellow:#ffdc2e;--ink:#171b20;--muted:#5c6570;--line:#dde2e7;--paper:#fff;--soft:#f3f5f6;--max:1180px;--radius:18px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--paper);font-family:"DM Sans",Arial,sans-serif;line-height:1.6}img{max-width:100%;display:block}a{color:inherit}.shell{width:min(calc(100% - 40px),var(--max));margin-inline:auto}.skip-link{position:fixed;left:16px;top:-80px;background:var(--yellow);padding:10px 16px;z-index:20}.skip-link:focus{top:16px}.site-header{background:var(--navy);color:#fff;position:relative;z-index:10}.header-inner{height:92px;display:flex;align-items:center;justify-content:space-between}.brand img,.footer-logo{width:280px;height:auto}.site-header nav,.site-footer nav{display:flex;gap:34px}.site-header nav a,.site-footer nav a{text-decoration:none;font-weight:600}.site-header nav a:hover,.site-footer nav a:hover{color:var(--yellow)}.menu-button{display:none;border:1px solid #738092;border-radius:999px;background:transparent;color:#fff;padding:8px 14px}.hero{background:var(--navy);color:#fff;padding:55px 0 76px}.hero-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:80px;align-items:center}.kicker{color:var(--yellow);font-size:.8rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;margin:0 0 12px}.kicker.dark{color:#796600}.hero h1,.page-hero h1,.article-hero h1{font-size:clamp(2.7rem,6vw,5.5rem);line-height:1.02;letter-spacing:-.055em;margin:0}.hero h1 span{color:var(--yellow)}.hero-copy{font-size:1.25rem;max-width:560px;color:#d8e0e8;margin:26px 0 32px}.hero-visual{clip-path:polygon(14% 0,84% 0,100% 100%,0 100%);overflow:hidden}.hero-visual img{width:100%;height:390px;object-fit:cover}.button{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--yellow);color:var(--navy);padding:13px 22px;border-radius:999px;text-decoration:none;font-weight:700}.button:hover{background:#fff}.section{padding:82px 0}.section-heading{display:flex;justify-content:space-between;align-items:end;margin-bottom:34px}.section-heading h2{font-size:clamp(2rem,4vw,3.2rem);line-height:1.1;margin:0;letter-spacing:-.04em}.text-link{font-weight:700;text-decoration:none}.text-link:hover{text-decoration:underline}.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:38px 28px}.card{border-bottom:1px solid var(--line);padding-bottom:24px}.card-image{display:block;overflow:hidden;background:var(--soft);aspect-ratio:5/3}.card-image img{width:100%;height:100%;object-fit:cover;transition:transform .25s}.card-image:hover img{transform:scale(1.025)}.card-body{padding-top:20px}.card .eyebrow,.eyebrow{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:700}.card h2{font-size:1.35rem;line-height:1.25;margin:8px 0}.card h2 a{text-decoration:none}.card p{color:var(--muted)}.page-hero,.article-hero{background:var(--navy);color:#fff;padding:70px 0}.page-hero .narrow{max-width:900px}.page-hero p:not(.kicker),.article-head>p:last-child{font-size:1.2rem;color:#d8e0e8;max-width:800px}.article-hero h1{font-size:clamp(2.5rem,5vw,4.7rem);max-width:1050px}.article-head .eyebrow{color:var(--yellow)}.article-layout{display:grid;grid-template-columns:minmax(0,780px) 260px;gap:70px;align-items:start;padding-top:60px;padding-bottom:90px}.article-image{width:100%;aspect-ratio:5/3;object-fit:cover;margin-bottom:44px}.prose{font-size:1.08rem}.prose h2{font-size:1.85rem;line-height:1.2;margin:42px 0 12px;letter-spacing:-.025em}.prose p{margin:0 0 20px}.prose li{margin:8px 0}.prose a{font-weight:700;text-decoration-color:var(--yellow);text-decoration-thickness:3px}.article-aside{position:sticky;top:24px}.article-aside>div{border-top:5px solid var(--yellow);background:var(--soft);padding:24px}.article-aside h2{font-size:1.3rem;line-height:1.25}.article-aside a{display:block;padding:13px 0;border-top:1px solid var(--line);text-decoration:none;font-size:.92rem;font-weight:600}.recommendation{margin-top:54px;background:var(--navy);color:#fff;padding:32px;border-radius:var(--radius)}.recommendation h2{font-size:2rem;line-height:1.15;margin:8px 0}.recommendation small{display:block;color:#bdc7d2;margin-top:14px}.site-footer{background:var(--navy);color:#fff;padding:50px 0 28px}.footer-grid{display:flex;justify-content:space-between;gap:40px}.footer-grid p{color:#bdc7d2;max-width:500px}.legal{margin-top:36px;padding-top:22px;border-top:1px solid #34465a;display:flex;justify-content:space-between;gap:20px;color:#95a4b3;font-size:.84rem}.legal p{margin:0}@media(max-width:850px){.header-inner{height:76px}.brand img{width:210px}.menu-button{display:block}.site-header nav{display:none;position:absolute;top:76px;left:0;right:0;background:var(--navy-2);padding:24px 20px;flex-direction:column}.site-header nav.open{display:flex}.hero-grid,.article-layout{grid-template-columns:1fr}.hero-grid{gap:42px}.hero-visual img{height:300px}.card-grid{grid-template-columns:repeat(2,1fr)}.article-aside{position:static}.article-aside>div{display:none}}@media(max-width:560px){.shell{width:min(calc(100% - 28px),var(--max))}.hero{padding-top:40px}.hero-grid{gap:34px}.hero-visual{clip-path:none}.hero-visual img{height:220px}.section{padding:58px 0}.section-heading{align-items:start;gap:18px;flex-direction:column}.card-grid{grid-template-columns:1fr}.card-grid .card{display:grid;grid-template-columns:120px 1fr;gap:16px}.card-grid .card-image{aspect-ratio:1}.card-grid .card-body{padding-top:0}.card h2{font-size:1.05rem}.card p:not(.eyebrow),.card .text-link{display:none}.article-layout{padding-top:30px;gap:30px}.article-image{margin-bottom:30px}.footer-grid,.legal{flex-direction:column}.site-footer nav{flex-direction:column;gap:12px}}

.decision-strip{display:grid;grid-template-columns:1fr auto;gap:8px 20px;align-items:center;margin:-18px 0 30px;padding:18px 20px;background:var(--navy);color:#fff;border-left:5px solid var(--yellow)}.decision-strip div{display:flex;flex-direction:column}.decision-strip span{color:#c7d2dd;font-size:.92rem}.decision-strip a{grid-column:2;grid-row:1;text-decoration:none;background:var(--yellow);color:var(--navy);font-weight:700;padding:10px 16px;border-radius:999px}.decision-strip a span{color:inherit}.decision-strip small{grid-column:2;color:#9faebe;text-align:center}.quick-answer{margin:30px 0;padding:26px 28px;background:#fff9d7;border:1px solid #eadb79;border-radius:var(--radius)}.quick-answer p:last-child{margin:0;font-size:1.08rem}.article-toc{margin:30px 0;padding:24px 28px;background:var(--soft);border-radius:var(--radius)}.article-toc>p{margin:0 0 10px;font-weight:700}.article-toc ol{margin:0;padding-left:22px;columns:2;column-gap:34px}.article-toc li{break-inside:avoid;margin:6px 0}.article-toc a{text-decoration:none}.article-toc a:hover{text-decoration:underline}.prose h3{font-size:1.3rem;line-height:1.3;margin:28px 0 8px}.prose blockquote{margin:28px 0;padding:22px 26px;border-left:5px solid var(--yellow);background:var(--soft);font-size:1.08rem}.faq{margin-top:52px}.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:700;font-size:1.05rem}.faq details p{margin:12px 0 0;color:var(--muted)}@media(max-width:650px){.decision-strip{grid-template-columns:1fr}.decision-strip a,.decision-strip small{grid-column:1;grid-row:auto;text-align:center}.article-toc ol{columns:1}}