:root{--ink:#11131b;--muted:#626779;--paper:#f7f7f2;--card:#fff;--accent:#ff5b35;--gold:#ffc94a;--deep:#20264a;--line:#e3e3dc;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.72 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:var(--deep);text-underline-offset:3px}img{max-width:100%}
.site-header{position:sticky;top:0;z-index:50;background:rgba(247,247,242,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{max-width:var(--max);margin:auto;display:flex;align-items:center;gap:24px;padding:12px 20px}.brand{display:flex;align-items:center;gap:9px;text-decoration:none;color:var(--ink);font-weight:900;white-space:nowrap;letter-spacing:-.3px}.mark{width:32px;height:32px;border:5px solid var(--ink);border-radius:50%;position:relative}.mark:after{content:"";position:absolute;width:9px;height:9px;background:var(--accent);border-radius:50%;right:-7px;top:6px}
.menu{display:flex;align-items:center;gap:18px;margin-left:auto}.menu a{text-decoration:none;color:var(--ink);font-size:14px;font-weight:750}.header-cta{white-space:nowrap;background:var(--ink)!important;color:#fff!important;padding:10px 14px;border-radius:9px}.hamb{display:none;border:0;background:none;font-size:27px;line-height:1;cursor:pointer;padding:5px}
.shell{max-width:var(--max);margin:auto;display:grid;grid-template-columns:minmax(0,820px) 270px;gap:55px;padding:54px 20px 90px}.home-shell{max-width:var(--max);margin:auto;padding:0 20px 90px}.content h1{font-size:clamp(42px,6vw,68px);line-height:.98;letter-spacing:-2.8px;margin:16px 0 28px}.content h2,.home-shell h2{font-size:29px;line-height:1.18;letter-spacing:-.7px;margin-top:48px}.content h3{font-size:21px}.lead{font-size:22px;line-height:1.55;color:#383c4b}.kicker{font-size:12px;font-weight:900;letter-spacing:1.7px;color:var(--accent)}
.hero{padding:82px 0 72px}.hero h1{font-size:clamp(55px,8vw,98px);line-height:.91;letter-spacing:-5px;margin:16px 0 28px;max-width:1000px}.hero .lead{max-width:800px}.hero-actions{display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin-top:28px}.button{display:inline-block;background:var(--ink);color:#fff;text-decoration:none;font-weight:850;padding:14px 19px;border-radius:10px}.button.light{background:#fff;color:var(--ink)}.textlink{font-weight:800}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.card{display:block;background:#fff;border:1px solid var(--line);padding:24px;border-radius:15px;text-decoration:none;color:var(--ink)}.card b{color:var(--accent)}.card h3{font-size:21px}.card p{color:var(--muted)}
.sidebar{align-self:start}.sidebox{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;margin-bottom:18px}.sidebox h3{margin-top:0;font-size:19px}.sidebox a{display:block;margin:10px 0;font-size:14px;font-weight:750}.sidebox.cta{background:var(--deep);color:#fff}.sidebox.cta p{color:#e0e2ee}.sidebox.cta small{display:block;color:#c7c9d5;margin-top:10px}
.cta-card{background:var(--deep);color:#fff;border-radius:20px;padding:34px;margin:55px 0}.cta-card h2{margin:8px 0 12px}.cta-card p{color:#e3e5ef}.cta-card small{display:block;color:#c9cbd8;margin-top:11px}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:28px 0}.compare>div{background:#fff;border:1px solid var(--line);border-radius:15px;padding:24px}.compare h2{margin-top:5px}.check li{margin:9px 0}.steps{list-style:none;padding:0}.steps li{display:grid;grid-template-columns:66px 1fr;gap:18px;padding:18px 0;border-top:1px solid var(--line)}.steps span{font-size:29px;font-weight:900;color:var(--accent)}.steps h2{margin:2px 0 7px}.next,.disclosure{background:#fff;border:1px solid var(--line);border-radius:13px;padding:20px 22px;margin:35px 0}.disclosure{border-left:5px solid var(--gold);font-size:14px;color:var(--muted)}.sources{font-size:14px;color:var(--muted)}
footer{border-top:1px solid var(--line);padding:34px 20px;color:var(--muted)}footer .foot{max-width:var(--max);margin:auto;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}footer a{color:var(--muted);font-size:14px}
.sitemap-list{columns:2;column-gap:40px}.sitemap-list li{break-inside:avoid;margin:7px 0}
@media(max-width:900px){.shell{grid-template-columns:1fr}.sidebar{display:none}.cards{grid-template-columns:1fr 1fr}.brand{font-size:14px}.menu{display:none;position:absolute;top:57px;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--line);padding:14px 20px;flex-direction:column;align-items:stretch}.menu.open{display:flex}.menu a:not(.header-cta){padding:8px 0}.header-cta{display:block!important;margin-left:auto;margin-right:2px}.hamb{display:block}.nav{gap:9px}.nav .mobile-cta{display:block}.desktop-cta{display:none!important}.site-header{position:sticky}.sitemap-list{columns:1}}
@media(min-width:901px){.mobile-cta{display:none!important}}
@media(max-width:600px){.brand{max-width:145px;overflow:hidden;text-overflow:ellipsis}.hero h1{letter-spacing:-2.5px}.content h1{letter-spacing:-1.8px}.cards,.compare{grid-template-columns:1fr}.hero{padding-top:55px}}