:root{--ink:#132238;--muted:#5c6b7a;--navy:#0c2747;--blue:#1664c0;--pale:#eef5fb;--line:#dbe5ef;--gold:#f4b740;--white:#fff}
*{box-sizing:border-box}body{margin:0;font:17px/1.72 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#fff}
a{color:#0d58a6}header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20}.nav{max-width:1180px;margin:auto;display:flex;align-items:center;justify-content:space-between;padding:14px 20px;gap:20px}.brand{font-weight:800;color:#fff;text-decoration:none;letter-spacing:.2px}.navlinks a{color:#dbeafe;text-decoration:none;margin-left:18px;font-size:14px}.hero{background:linear-gradient(135deg,#0c2747,#174d7d);color:#fff;padding:58px 20px}.hero>div{max-width:1180px;margin:auto}.hero h1{font-size:clamp(34px,5vw,58px);line-height:1.06;max-width:900px;margin:0 0 18px}.hero p{max-width:760px;color:#e7f0fa;font-size:20px}.wrap{max-width:1180px;margin:auto;padding:34px 20px;display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:42px}.article{max-width:780px}.article h2{margin-top:48px;font-size:30px;line-height:1.2}.article h3{margin-top:30px;font-size:22px}.article p{margin:16px 0}.article ul{padding-left:24px}.crumbs{font-size:14px;color:var(--muted);margin-bottom:18px}.toc,.note,.verdict{background:var(--pale);border:1px solid var(--line);padding:20px;border-radius:14px;margin:24px 0}.cta{display:inline-block;background:var(--gold);color:#17202a!important;text-decoration:none;font-weight:800;padding:13px 20px;border-radius:10px;margin:8px 0}.cta.secondary{background:#fff;border:1px solid var(--blue);color:var(--blue)!important}.disclosure{font-size:13px;color:var(--muted)}.sidecard{position:sticky;top:88px;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 10px 30px rgba(10,40,70,.08)}.sidecard h3{margin-top:0}.related{display:grid;grid-template-columns:1fr 1fr;gap:12px}.related a{border:1px solid var(--line);padding:12px;border-radius:10px;text-decoration:none}.footer{background:#0a1b2d;color:#d7e2ed;padding:40px 20px;margin-top:50px}.footer>div{max-width:1180px;margin:auto}.popup{position:fixed;inset:0;background:rgba(5,18,32,.72);display:none;align-items:center;justify-content:center;z-index:50;padding:20px}.popup.show{display:flex}.popup-card{background:white;max-width:620px;border-radius:20px;padding:30px;box-shadow:0 30px 90px rgba(0,0,0,.35);position:relative}.popup-card h2{margin-top:0}.close{position:absolute;right:15px;top:10px;border:0;background:none;font-size:28px;cursor:pointer}.badge{display:inline-block;background:#e9f3ff;color:#164f89;padding:5px 10px;border-radius:999px;font-size:13px;font-weight:700}.facts{border-left:4px solid var(--blue);padding-left:16px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.card{border:1px solid var(--line);border-radius:12px;padding:18px}.card h3{margin-top:0}.byline{color:var(--muted);font-size:14px}
@media(max-width:850px){.wrap{grid-template-columns:1fr}.sidecard{position:static}.navlinks{display:none}.related,.grid3{grid-template-columns:1fr}.hero{padding-top:40px}.article{max-width:none}}

.header-cta{background:var(--gold);color:#17202a!important;text-decoration:none;font-weight:800;padding:10px 14px;border-radius:9px;white-space:nowrap}
.full-cta{display:block;text-align:center;width:100%}
@media(max-width:850px){
  .nav{flex-wrap:wrap}
  .header-cta{display:block;width:100%;text-align:center;order:3}
}