:root{--ink:#132139;--slate:#617087;--gold:#b98534;--paper:#f7f2e9;--white:#fff;--line:#d8d4cc;--navy:#101d33;--soft:#ede7db;--green:#315f4f}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.6}
a{color:inherit}
.wrap{width:min(1120px,calc(100% - 40px));margin:0 auto}
.draft-bar{padding:9px 20px;background:#ffe3a8;color:#5f410c;text-align:center;font-size:13px;font-weight:750}
.site-header{background:rgba(247,242,233,.96);border-bottom:1px solid var(--line)}
.header-row{min-height:88px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.brand{display:inline-flex;align-items:center;gap:11px;font-weight:900;letter-spacing:.01em;text-decoration:none}
.brand img{width:42px;height:34px;object-fit:contain}
.main-nav{display:flex;align-items:center;gap:24px;font-size:14px;font-weight:750}
.main-nav a{text-decoration:none}
.header-phone{font-size:18px;font-weight:900;text-decoration:none;white-space:nowrap}
.blog-hero{padding:86px 0 64px;background:linear-gradient(140deg,var(--navy),#203655);color:#fff}
.eyebrow{margin:0 0 12px;color:#d49b43;font-size:13px;font-weight:850;letter-spacing:.16em;text-transform:uppercase}
.blog-hero h1,.article-hero h1{max-width:900px;margin:0;font-size:clamp(42px,6vw,76px);line-height:.98;letter-spacing:-.055em}
.blog-hero .lead,.article-hero .lead{max-width:760px;margin:25px 0 0;color:rgba(255,255,255,.76);font-size:clamp(18px,2.3vw,24px);line-height:1.5}
.blog-list{padding:72px 0 90px}
.blog-list-heading{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:30px}
.blog-list-heading h2{max-width:680px;margin:0;font-size:clamp(32px,4.2vw,52px);line-height:1.05;letter-spacing:-.04em}
.blog-list-heading>p{max-width:360px;margin:0;color:var(--slate)}
.article-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.article-card{min-height:430px;padding:32px;display:flex;flex-direction:column;border:1px solid var(--line);border-radius:20px;background:var(--white);text-decoration:none;box-shadow:0 12px 34px rgba(19,33,57,.06);transition:transform .2s,border-color .2s,box-shadow .2s}
.article-card:hover{transform:translateY(-4px);border-color:rgba(185,133,52,.65);box-shadow:0 18px 42px rgba(19,33,57,.1)}
.article-card .number{color:var(--gold);font-size:56px;font-weight:900;line-height:1}
.article-card .meta{margin:24px 0 8px;color:var(--slate);font-size:13px;font-weight:750;letter-spacing:.06em;text-transform:uppercase}
.article-card h2{margin:0;font-size:clamp(28px,3.2vw,41px);line-height:1.08;letter-spacing:-.035em}
.article-card p{margin:20px 0 0;color:var(--slate);font-size:16px}
.article-card .read{margin-top:auto;padding-top:26px;color:var(--gold);font-weight:850}
.blog-note{margin-top:26px;padding:24px 26px;border-left:5px solid var(--gold);border-radius:0 14px 14px 0;background:var(--soft)}
.blog-note b{display:block;margin-bottom:5px;font-size:18px}
.article-hero{padding:66px 0 58px;background:var(--navy);color:#fff}
.breadcrumbs{margin-bottom:34px;color:rgba(255,255,255,.62);font-size:14px}
.breadcrumbs a{color:inherit}
.article-meta{display:flex;flex-wrap:wrap;gap:10px 24px;margin-top:28px;color:rgba(255,255,255,.68);font-size:14px}
.article-layout{padding:64px 0 90px;display:grid;grid-template-columns:minmax(0,760px) minmax(240px,1fr);gap:64px;align-items:start}
.article-content{min-width:0}
.article-content>p:first-child{margin-top:0;font-size:21px;line-height:1.62;color:#37475e}
.article-content h2{margin:54px 0 18px;font-size:clamp(29px,3.6vw,42px);line-height:1.1;letter-spacing:-.035em}
.article-content h3{margin:34px 0 12px;font-size:23px;line-height:1.25}
.article-content p{margin:0 0 18px;color:#3f4d60;font-size:17px}
.article-content ul,.article-content ol{margin:0 0 24px;padding-left:24px;color:#3f4d60;font-size:17px}
.article-content li{margin:8px 0;padding-left:4px}
.article-content a{color:#1f5980;text-underline-offset:3px}
.summary-box,.warning-box,.formula-box,.source-box{margin:28px 0;padding:25px 27px;border-radius:16px}
.summary-box{background:var(--soft);border-left:5px solid var(--gold)}
.warning-box{background:#f7e9df;border-left:5px solid #a95e36}
.formula-box{background:#e5eee9;border-left:5px solid var(--green)}
.source-box{background:#edf1f5;border:1px solid #d4dce5}
.summary-box h2,.warning-box h2,.formula-box h2,.source-box h2{margin:0 0 12px;font-size:24px}
.summary-box p:last-child,.warning-box p:last-child,.formula-box p:last-child,.source-box p:last-child{margin-bottom:0}
.check-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:24px 0 30px}
.check-item{padding:18px;border:1px solid var(--line);border-radius:12px;background:#fff}
.check-item b{display:block;margin-bottom:5px}
.check-item span{display:block;color:var(--slate);font-size:14px}
.article-table-wrap{margin:26px 0 32px;overflow-x:auto;border:1px solid var(--line);border-radius:14px;background:#fff}
.article-table{width:100%;border-collapse:collapse;min-width:650px}
.article-table th,.article-table td{padding:15px 17px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.article-table th{background:#ece6da;font-size:14px}
.article-table tr:last-child td{border-bottom:0}
.article-sidebar{position:sticky;top:24px}
.sidebar-card{padding:25px;border-radius:16px;background:var(--navy);color:#fff}
.sidebar-card h2{margin:0 0 12px;font-size:25px;line-height:1.15}
.sidebar-card p{margin:0;color:rgba(255,255,255,.7);font-size:15px}
.sidebar-card a.button{margin-top:20px;display:inline-flex;padding:13px 17px;border-radius:8px;background:var(--gold);color:#fff;font-weight:850;text-decoration:none}
.article-nav{margin-top:16px;padding:22px;border:1px solid var(--line);border-radius:14px;background:#fff}
.article-nav b{display:block;margin-bottom:10px}
.article-nav a{display:block;padding:6px 0;color:var(--slate);font-size:14px;text-decoration:none}
.article-footer-cta{margin-top:56px;padding:34px;border-radius:18px;background:var(--navy);color:#fff}
.article-footer-cta h2{margin:0 0 12px;color:#fff}
.article-footer-cta p{color:rgba(255,255,255,.72)}
.cta-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.cta-actions a{padding:13px 18px;border-radius:8px;background:var(--gold);color:#fff;font-weight:850;text-decoration:none}
.cta-actions a.secondary{border:1px solid rgba(255,255,255,.35);background:transparent}
.site-footer{padding:42px 0;background:#0d1728;color:rgba(255,255,255,.7)}
.footer-row{display:flex;align-items:flex-start;justify-content:space-between;gap:30px}
.footer-row a{color:inherit}
.footer-links{display:flex;flex-wrap:wrap;gap:12px 22px}
.legal-note{margin-top:34px;padding-top:20px;border-top:1px solid rgba(255,255,255,.14);font-size:12px;color:rgba(255,255,255,.48)}
@media(max-width:900px){.main-nav{display:none}.article-layout{grid-template-columns:1fr;gap:34px}.article-sidebar{position:static}.article-nav{display:none}}
@media(max-width:680px){.wrap{width:min(100% - 28px,1120px)}.draft-bar{font-size:11px}.header-row{min-height:74px;gap:12px}.brand{font-size:13px}.brand img{width:34px;height:29px}.header-phone{font-size:14px}.blog-hero{padding:58px 0 48px}.blog-hero h1,.article-hero h1{font-size:40px}.blog-hero .lead,.article-hero .lead{font-size:17px}.blog-list{padding:52px 0 66px}.blog-list-heading{display:block}.blog-list-heading>p{margin-top:14px}.article-grid{grid-template-columns:1fr}.article-card{min-height:360px;padding:25px}.article-hero{padding:44px 0}.breadcrumbs{margin-bottom:25px}.article-layout{padding:44px 0 66px}.article-content>p:first-child{font-size:18px}.article-content h2{margin-top:42px}.article-content p,.article-content ul,.article-content ol{font-size:16px}.check-grid{grid-template-columns:1fr}.summary-box,.warning-box,.formula-box,.source-box{padding:21px}.article-footer-cta{padding:25px}.footer-row{display:block}.footer-links{margin-top:22px}}