:root{--navy:#092c56;--navy2:#123e70;--blue:#1661a6;--sky:#eaf5ff;--yellow:#ffc533;--ink:#192d43;--muted:#52667a;--line:#dbe4ee;--white:#fff;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font:16px/1.68 system-ui,-apple-system,Segoe UI,Arial,sans-serif;background:#fff}a{color:#075ba1}a:hover{text-decoration-thickness:2px}h1,h2,h3{line-height:1.18;color:var(--navy);letter-spacing:-.025em}h1{font-size:clamp(2.15rem,5vw,4.1rem);margin:.3em 0}h2{font-size:clamp(1.55rem,3vw,2.2rem);margin:1.45em 0 .55em}h3{font-size:1.18rem}p{max-width:75ch}button{font:inherit;cursor:pointer}a:focus-visible,button:focus-visible{outline:3px solid #e99400;outline-offset:3px}.wrap{width:min(calc(100% - 36px),var(--max));margin:auto}.skip{position:absolute;left:-9999px;top:0;background:white;padding:12px;z-index:200}.skip:focus{left:12px}.header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:60;box-shadow:0 2px 12px #001b3733}.header-in{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:74px}.brand{color:white;text-decoration:none;font-size:1.35rem;font-weight:850;white-space:nowrap;letter-spacing:-.04em}.brand .mark{color:var(--yellow);margin-right:8px}.nav{display:flex;gap:24px;align-items:center}.nav a{color:#fff;text-decoration:none;font-weight:650;font-size:.92rem}.nav a:hover{text-decoration:underline}.nav .nav-cta{color:#0a294b;background:var(--yellow);padding:10px 15px;border-radius:9px}.menu{display:none;background:transparent;color:white;border:1px solid #8ca9c7;border-radius:8px;padding:8px 12px}.hero{background:linear-gradient(125deg,#082a56,#145c9f);color:white;padding:64px 0 72px;overflow:hidden}.hero h1,.hero h2{color:#fff}.hero p{color:#dcecff;font-size:1.17rem;max-width:710px}.eyebrow{text-transform:uppercase;letter-spacing:.13em;color:#ffd56b;font-weight:800;font-size:.76rem}.hero-layout{display:grid;grid-template-columns:1.6fr .8fr;gap:46px;align-items:center}.hero-art{border-radius:24px;min-height:290px;background:radial-gradient(circle at 30% 25%,#73c7ef,transparent 45%),linear-gradient(155deg,#287fc0,#073361);position:relative;border:1px solid #ffffff55;box-shadow:0 25px 65px #001b3f55;display:flex;justify-content:center;align-items:center}.hero-art svg{max-width:80%;height:auto}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:27px 0}.btn{display:inline-flex;justify-content:center;align-items:center;min-height:48px;padding:11px 19px;background:var(--yellow);color:#092b51!important;text-decoration:none;font-weight:850;border-radius:10px;border:2px solid var(--yellow);line-height:1.2}.btn:hover{filter:brightness(.95)}.btn.alt{background:transparent;color:white!important;border-color:#91bada}.btn.outline{background:white;border-color:#b4d4ed;color:var(--navy)!important}.mini{font-size:.8rem;color:#d8e5f4}.notice{background:#f2f8fc;border-left:4px solid var(--blue);padding:16px 20px;border-radius:8px;margin:24px 0}.crumbs{font-size:.82rem;margin:27px 0;color:var(--muted)}.crumbs a{color:var(--blue)}.main-grid{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:56px;padding:32px 0 76px}.article h1{font-size:clamp(2.15rem,4vw,3.35rem)}.dek{font-size:1.21rem;color:#38536f}.section{padding:55px 0}.section.tint{background:#f4f9fd}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);background:#fff;border-radius:16px;padding:25px;box-shadow:0 6px 16px #1b4e790b;display:flex;flex-direction:column}.card h3{margin:0 0 10px}.card p{font-size:.95rem;color:var(--muted);flex:1}.card a{font-weight:750}.kicker{font-size:.76rem;text-transform:uppercase;letter-spacing:.1em;color:var(--blue);font-weight:850}.sidebar{align-self:start;position:sticky;top:105px;border:1px solid var(--line);background:#f7fbff;padding:22px;border-radius:14px}.sidebar h3{margin:0 0 12px}.sidebar a{display:block;margin:11px 0}.affiliate-box{background:#e9f5ff;border:1px solid #a7cde7;border-radius:16px;padding:25px;margin:31px 0}.affiliate-box p{margin-top:0}.split{display:grid;grid-template-columns:1fr 1fr;gap:20px}.panel{padding:24px;background:#f5f9fd;border-radius:14px;border:1px solid var(--line)}.facts{padding-left:22px}.facts li{margin:9px 0}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px}.compare-table{border-collapse:collapse;width:100%;min-width:580px}.compare-table th,.compare-table td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}.compare-table th{background:var(--navy);color:white}.footer{background:#061f3c;color:#c2d4e6;padding:45px 0}.footer a{color:white}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:32px}.footer strong{color:white}.footer small{font-size:.78rem}.promo{position:fixed;inset:0;z-index:100;background:#02172adf;display:none;padding:18px;align-items:center;justify-content:center;overflow:auto}.promo.open{display:flex}.promo-inner{width:min(870px,100%);background:linear-gradient(120deg,#072a55,#155b98);border:2px solid #7baed0;border-radius:23px;color:white;position:relative;padding:clamp(27px,5vw,65px);box-shadow:0 30px 100px #0009}.promo-inner h2{color:white;font-size:clamp(2rem,5vw,3.4rem);margin:10px 0}.promo-inner p{color:#dfebf6;font-size:1.09rem}.close{position:absolute;top:16px;right:16px;background:#ffffff20;color:white;border:1px solid white;border-radius:8px;padding:7px 12px}.promo-inner .mini{font-size:.78rem}.sources{border-top:1px solid var(--line);margin-top:30px;padding-top:16px}.sources li{overflow-wrap:anywhere}.fine{color:var(--muted);font-size:.83rem}.tag{background:#ddedfa;color:#12578b;border-radius:100px;padding:4px 11px;font-size:.8rem;font-weight:700;display:inline-block}
@media(max-width:830px){.menu{display:block}.nav{display:none;position:absolute;top:74px;left:0;right:0;background:#092c56;padding:16px 22px 24px;flex-direction:column;align-items:stretch;box-shadow:0 20px 25px #001b3840}.nav.open{display:flex}.nav a{padding:8px}.hero-layout,.main-grid{grid-template-columns:1fr}.hero-art{display:none}.main-grid{gap:16px}.sidebar{position:static}.cards{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.cards,.split,.footer-grid{grid-template-columns:1fr}.hero{padding:41px 0}.section{padding:36px 0}.wrap{width:min(calc(100% - 28px),var(--max))}.header-in{min-height:68px}.nav{top:68px}.btn{width:100%}.actions{flex-direction:column}.article h1{font-size:2.2rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}