:root{--ink:#0b2632;--ink2:#143b4a;--gold:#b98b2f;--gold2:#e6c36a;--blue:#0d7ea3;--sky:#eaf7fb;--cream:#fbfaf6;--paper:#fff;--muted:#5e6f77;--line:#dfe8eb;--shadow:0 14px 36px rgba(11,38,50,.08);--radius:20px;--max:1180px}
*{box-sizing:border-box} html{scroll-behavior:smooth} body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--cream);line-height:1.7;font-size:17px} img{max-width:100%;height:auto} a{color:var(--blue)} a:hover{color:var(--ink)} .wrap{width:min(var(--max),calc(100% - 32px));margin:auto}.topnote{background:var(--ink);color:#eef8fb;text-align:center;padding:8px 16px;font-size:14px}.topnote strong{color:#fff}.site-header{position:sticky;top:0;z-index:50;background:rgba(251,250,246,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;gap:22px;min-height:72px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:850;letter-spacing:-.02em}.brand-mark{width:36px;height:36px;border-radius:50%;background:radial-gradient(circle at 35% 35%,var(--gold2),var(--gold) 45%,var(--ink) 46%);box-shadow:0 4px 15px 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rgba(0,0,0,.16))}.hero-caption{font-size:13px;color:var(--muted);margin-top:6px}.section{padding:70px 0}.section.white{background:#fff}.section.sky{background:var(--sky)}.section h2{font-family:Georgia,serif;font-size:clamp(30px,4vw,44px);line-height:1.15;margin:0 0 16px}.section-intro{font-size:19px;color:var(--muted);max-width:820px}.grid{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:25px;box-shadow:var(--shadow)}.card h3{margin:0 0 9px;font-size:21px;line-height:1.25}.card p:last-child{margin-bottom:0}.kicker{color:var(--blue);font-weight:900;text-transform:uppercase;letter-spacing:.06em;font-size:12px}.quick-answer{background:#fff;border-left:4px solid var(--gold);padding:20px 22px;border-radius:0 14px 14px 0;box-shadow:var(--shadow);margin:24px 0}.toc{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px 22px;margin:28px 0}.toc strong{display:block;margin-bottom:8px}.toc a{text-decoration:none}.article{max-width:860px}.article h2{font-family:Georgia,serif;font-size:34px;line-height:1.2;margin:42px 0 12px}.article h3{font-size:23px;margin:32px 0 9px}.article p,.article li{color:#213b46}.article table,.compare{width:100%;border-collapse:collapse;margin:24px 0;background:#fff}.article th,.article td,.compare th,.compare td{border:1px solid var(--line);padding:13px;text-align:left;vertical-align:top}.article th,.compare th{background:#f1f7f8}.callout{border:1px solid #d9e8ec;background:#f8fcfd;border-radius:16px;padding:20px;margin:24px 0}.warning{border-color:#eadab0;background:#fffaf0}.cta-panel{background:linear-gradient(135deg,var(--ink),#123e4f);color:#fff;border-radius:26px;padding:34px;margin:36px 0;box-shadow:var(--shadow)}.cta-panel h2,.cta-panel h3{color:#fff;margin-top:0}.cta-panel p{color:#d9edf2}.breadcrumb{font-size:14px;color:var(--muted);padding-top:24px}.breadcrumb a{color:var(--muted)}.page-hero{padding:24px 0 44px;background:linear-gradient(180deg,#fff,var(--cream));border-bottom:1px solid var(--line)}.page-hero h1{font-size:clamp(38px,5vw,58px);max-width:1000px}.meta{display:flex;gap:16px;flex-wrap:wrap;color:var(--muted);font-size:14px}.layout{display:grid;grid-template-columns:minmax(0,860px) 260px;gap:46px;align-items:start}.side{position:sticky;top:100px}.side .card{padding:18px}.side a{display:block;padding:7px 0;text-decoration:none;font-weight:700;font-size:14px}.guarantee-row{display:grid;grid-template-columns:220px 1fr;gap:28px;align-items:center}.guarantee-row img{border-radius:50%}.evidence-table td:first-child{font-weight:800;width:20%}.evidence-table td:nth-child(2){width:40%}.footer{background:#071c25;color:#cfe0e5;padding:54px 0 100px;margin-top:70px}.footer a{color:#e7f4f7;text-decoration:none}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}.footer h3{color:#fff;font-size:16px}.footer small{color:#9fb8c1}.mobile-sticky{display:none}.quote{font-family:Georgia,serif;font-size:24px;line-height:1.45;border-left:4px solid var(--gold);padding-left:18px;color:var(--ink2)}.ref-list li{margin-bottom:10px}.badge{display:inline-flex;align-items:center;background:#edf7f9;color:#0d556c;font-weight:800;border-radius:8px;padding:4px 8px;font-size:12px}.cards-link a{text-decoration:none;color:inherit}.cards-link .card{transition:.2s}.cards-link .card:hover{transform:translateY(-3px);border-color:#bcd3da}.legal-note{font-size:14px;color:var(--muted)}
@media(max-width:900px){.navlinks{display:none}.navlinks.open{display:flex;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:18px 20px;border-bottom:1px solid var(--line)}.menu-btn{display:block}.hero-grid,.layout,.guarantee-row,.footer-grid{grid-template-columns:1fr}.hero{padding-top:48px}.hero-art img{max-height:460px}.side{position:static}.grid-4,.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){body{font-size:16px}.wrap{width:min(100% - 24px,var(--max))}.hero h1,.page-hero h1{font-size:40px}.hero p.lead,.page-hero .lead{font-size:18px}.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}.section{padding:52px 0}.actions .btn{width:100%}.footer{padding-bottom:108px}.mobile-sticky{position:fixed;display:block;z-index:80;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--line);padding:10px 12px}.mobile-sticky .btn{width:100%;padding:12px}.topnote{font-size:12px}.hero-art img{max-height:390px}}