:root{--navy: #0A2540;--navy-mid: #0E2F4F;--cyan: #3B8DD9;--cyan-hover: #2E7BC4;--cyan-bg: #E8F1FB;--green: #22C55E;--green-dark: #16A34A;--green-bg: #DCFCE7;--green-text: #166534;--white: #FFFFFF;--off-white: #F6F8FB;--gray-50: #EFF2F7;--gray-100: #E3E8F0;--gray-200: #CDD5E0;--gray-300: #ABB5C4;--gray-400: #7A8697;--gray-500: #556170;--gray-600: #3D4856;--gray-700: #2A3340;--text: #0A1628;--text-secondary: #3D4856;--radius: 12px;--radius-lg: 16px;--shadow-sm: 0 1px 3px rgba(10,37,64,.08);--shadow-md: 0 4px 20px rgba(10,37,64,.12);--shadow-lg: 0 8px 36px rgba(10,37,64,.16);--transition: .2s cubic-bezier(.4, 0, .2, 1)}html{scroll-behavior:smooth;overflow-x:hidden}body{font-family:Inter,system-ui,-apple-system,sans-serif;color:var(--text);line-height:1.6;background:var(--white);-webkit-font-smoothing:antialiased}.container{max-width:900px;margin:0 auto;padding:0 24px}.hamburger[aria-expanded=true] span:nth-child(1){transform:rotate(45deg) translate(8px,8px)}.hamburger[aria-expanded=true] span:nth-child(2){opacity:0}.hamburger[aria-expanded=true] span:nth-child(3){transform:rotate(-45deg) translate(7px,-7px)}.header-nav a .header-nav a @media (max-width: 680px){.header-nav.open{max-height:400px}}.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 100%);padding:48px 24px;color:var(--white)}.hero-label{display:inline-block;background:var(--cyan);color:var(--navy);padding:6px 12px;border-radius:4px;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;margin-bottom:16px}.hero h1{font-size:clamp(32px,5vw,48px);font-weight:800;margin-bottom:16px;line-height:1.2}.hero p{font-size:18px;opacity:.95;max-width:700px;line-height:1.6}.hero-byline{margin-top:32px;font-size:14px;opacity:.85;border-top:1px solid rgba(255,255,255,.2);padding-top:16px}.content-wrapper{padding:48px 0}.content-wrapper h2{font-size:32px;font-weight:700;margin:40px 0 24px;color:var(--navy)}.content-wrapper h2:first-child{margin-top:0}.content-wrapper h3{font-size:22px;font-weight:600;margin:32px 0 16px;color:var(--navy)}.content-wrapper p{margin-bottom:16px;font-size:16px;line-height:1.7;color:var(--text-secondary)}.content-wrapper ul,.content-wrapper ol{margin:20px 0 20px 24px;font-size:16px;line-height:1.7;color:var(--text-secondary)}.content-wrapper li{margin-bottom:12px}.content-wrapper strong{color:var(--navy);font-weight:600}.disclaimer-box{background:#fef3c7;border-left:4px solid #F59E0B;padding:20px;border-radius:var(--radius);margin:32px 0;font-size:15px;line-height:1.6}.disclaimer-box strong{color:#d97706}.takeaways-box{background:var(--cyan-bg);border:1px solid var(--cyan);border-radius:var(--radius-lg);padding:28px;margin:32px 0}.takeaways-box h3{color:var(--navy);margin-top:0;margin-bottom:20px;font-size:22px}.takeaways-box ul{list-style:none;margin:0;padding:0}.takeaways-box li{margin-bottom:16px;padding-left:28px;position:relative;color:var(--text-secondary);font-size:16px;line-height:1.6}.takeaways-box li:before{content:"✓";position:absolute;left:0;color:var(--cyan);font-weight:700;font-size:18px}.faq-section{margin:48px 0}.faq-section h2{margin-bottom:28px}.faq-item{background:var(--off-white);border:1px solid var(--gray-100);border-radius:var(--radius-lg);margin-bottom:16px;overflow:hidden}.faq-question{padding:20px;background:var(--white);border-bottom:1px solid var(--gray-100);font-weight:600;color:var(--navy);font-size:16px;cursor:pointer;user-select:none}.faq-question:hover{background:var(--off-white)}.faq-answer{padding:20px;font-size:16px;line-height:1.7;color:var(--text-secondary);display:none}.faq-item.open .faq-answer{display:block}.related-articles{margin:48px 0;padding:32px;background:var(--gray-50);border-radius:var(--radius-lg)}.related-articles h3{margin-top:0;color:var(--navy)}.article-links{list-style:none;margin:20px 0 0;padding:0}.article-links li{margin-bottom:16px}.article-links a{color:var(--cyan);text-decoration:none;font-weight:500;font-size:16px;transition:color var(--transition)}.article-links a:hover{color:var(--cyan-hover)}.references{margin:48px 0;padding-top:32px;border-top:2px solid var(--gray-100)}.references h3{color:var(--navy);margin-bottom:20px}.reference-item{margin-bottom:20px;font-size:15px;line-height:1.7;color:var(--text-secondary)}.reference-item strong{color:var(--navy)}.email-signup{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 100%);padding:40px;border-radius:var(--radius-lg);color:var(--white);margin:48px 0;text-align:center}.email-signup h3{color:var(--white);margin-top:0;font-size:24px}.email-signup p{color:#ffffffe6;margin-bottom:20px}.email-form{display:flex;gap:12px;max-width:500px;margin:0 auto}.email-form input{flex:1;padding:12px 16px;border:none;border-radius:var(--radius);font-family:inherit;font-size:14px}.email-form input::placeholder{color:var(--gray-400)}.email-form button{padding:12px 24px;background:var(--cyan);color:var(--navy);border:none;border-radius:var(--radius);font-weight:600;cursor:pointer;font-family:inherit;transition:background var(--transition)}.email-form button:hover{background:var(--cyan-hover)}@media(max-width:600px){.email-form{flex-direction:column}}.site-footer{background:var(--navy);color:var(--white);padding:48px 24px 32px;border-top:3px solid var(--cyan);margin-top:60px}.footer-grid{max-width:900px;margin:0 auto 32px;display:grid;grid-template-columns:repeat(3,1fr);gap:40px;font-size:14px}.footer-grid h4{font-size:14px;font-weight:700;margin-bottom:16px;text-transform:uppercase;color:var(--cyan)}.footer-grid ul{list-style:none;padding:0}.footer-grid li{margin-bottom:12px}.footer-grid a{color:#a8bdd4;text-decoration:none;transition:color var(--transition)}.footer-grid a:hover{color:var(--cyan)}.footer-bottom{max-width:900px;margin:0 auto;text-align:center;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);font-size:13px;color:#ffffffb3}@media(max-width:600px){.footer-grid{grid-template-columns:1fr;gap:32px}}