:root{--ink:#16202c;--muted:#5a6675;--line:#e3e7ec;--bg:#fff;--soft:#f5f7fa;--brand:#0b5fff;--brand-ink:#fff;--accent:#0a7d4f;--warn:#fff7e6;--max:760px;--wide:1080px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
.wrap{max-width:var(--wide);margin:0 auto;padding:0 20px}
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}
.logo{font-weight:800;font-size:20px;color:var(--ink);text-decoration:none;letter-spacing:-.01em}
.logo-mark{display:inline-block;background:var(--ink);color:#fff;border-radius:6px;width:28px;text-align:center;margin-right:4px}
.site-header nav{display:flex;gap:14px;flex-wrap:wrap}
.site-header nav a{color:var(--muted);text-decoration:none;font-size:15px}
.site-header nav a[aria-current]{color:var(--ink);font-weight:600}
main{padding:24px 20px 48px}
.breadcrumbs ol{list-style:none;padding:0;margin:0 0 12px;display:flex;gap:6px;font-size:14px;color:var(--muted);flex-wrap:wrap}
.breadcrumbs li+li:before{content:"›";margin-right:6px}
.article,.page,.home{max-width:var(--max);margin:0 auto}
.home{max-width:var(--wide)}
h1{font-size:clamp(28px,4vw,40px);line-height:1.15;letter-spacing:-.02em;margin:.2em 0 .4em}
h2{font-size:26px;line-height:1.25;margin:1.8em 0 .5em;letter-spacing:-.01em}
h3{font-size:20px;margin:1.4em 0 .4em}
.meta{color:var(--muted);font-size:14px}
.disclosure-banner{background:var(--warn);border:1px solid #f3d9a4;border-radius:8px;padding:10px 14px;font-size:15px}
.tldr{background:var(--soft);border-left:4px solid var(--brand);border-radius:6px;padding:4px 18px;margin:18px 0}
.tldr h2{font-size:18px;margin:.8em 0 .2em}
.table-wrap{overflow-x:auto;margin:1.2em 0;border:1px solid var(--line);border-radius:8px}
table{border-collapse:collapse;width:100%;font-size:15px;min-width:560px}
th,td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:var(--soft);font-weight:700}
tr:last-child td{border-bottom:0}
.cta-box{border:2px solid var(--brand);border-radius:12px;padding:18px 20px;margin:28px 0;background:#f4f8ff;text-align:center}
.cta-text{margin:0 0 12px;font-weight:600}
.btn{display:inline-block;padding:12px 22px;border-radius:8px;font-weight:700;text-decoration:none}
.btn-primary{background:var(--brand);color:var(--brand-ink)}
.btn-primary:hover{filter:brightness(.92)}
.cta-note{font-size:12px;color:var(--muted);margin:10px 0 0}
a.aff{font-weight:600}
blockquote{margin:1em 0;padding:8px 16px;border-left:4px solid var(--line);color:var(--muted);background:var(--soft)}
.faq details{border:1px solid var(--line);border-radius:8px;padding:10px 14px;margin:8px 0}
.faq summary{cursor:pointer;font-weight:600}
.legal-note{margin:28px 0;padding:14px 16px;background:var(--soft);border-radius:8px;font-size:14px;color:var(--muted)}
.related ul{padding-left:18px}
.cards{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px}
.card a{display:block;height:100%;border:1px solid var(--line);border-radius:12px;padding:16px 18px;text-decoration:none;color:var(--ink)}
.card a:hover{border-color:var(--brand)}
.card h3{margin:0 0 6px;font-size:18px}.card p{margin:0 0 8px;color:var(--muted);font-size:15px}.more{color:var(--brand);font-weight:600;font-size:14px}
.site-footer{border-top:1px solid var(--line);background:var(--soft);padding:28px 0;font-size:14px;color:var(--muted)}
.footer-nav{display:flex;gap:16px;flex-wrap:wrap;margin:12px 0}
.independence{color:var(--ink)}
.copy{margin-top:8px}
img{max-width:100%;height:auto}