:root{--navy:#0f2244;--navy-mid:#1e3a5f;--navy-light:#2a4e7a;--gold:#c0a060;--gold-light:#d4b578;--gold-dark:#9a7e48;--slate:#f0f4f8;--white:#ffffff;--text-dark:#0f1e36;--text-mid:#3a4e68;--text-light:#6b7e96;--text-muted:#94a3b8;--border:#e2e8f0;--card-bg:#ffffff;--section-alt:#f8fafc;--green:#059669;--green-light:#d1fae5;--accent-red:#dc2626;--font-body:'Inter',system-ui,sans-serif;--font-display:'Playfair Display',Georgia,serif;--shadow-sm:0 1px 3px rgba(15,34,68,.08);--shadow-md:0 4px 16px rgba(15,34,68,.10);--radius-sm:8px;--radius-md:12px;--radius-lg:20px;--radius-xl:28px;--transition:.25s cubic-bezier(.4,0,.2,1)}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--text-dark);background:var(--white);line-height:1.68;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
ul,ol{list-style:none}
button{cursor:pointer;font-family:inherit;border:none;background:none}
.container{max-width:1100px;margin:0 auto;padding:0 24px}
.btn-primary{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,var(--gold),var(--gold-dark));color:var(--navy);font-weight:700;font-size:1rem;padding:16px 32px;border-radius:50px;box-shadow:0 4px 20px rgba(192,160,96,.35);transition:transform var(--transition),box-shadow var(--transition)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 8px 32px rgba(192,160,96,.45)}
.btn-lg{padding:18px 40px;font-size:1.05rem}
.ann-bar{background:linear-gradient(90deg,var(--navy),var(--navy-mid),var(--navy));color:var(--gold-light);text-align:center;padding:10px 16px;font-size:.85rem;font-weight:500}
.ann-bar a{color:var(--gold-light);text-decoration:underline;text-underline-offset:3px}
.nav{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);box-shadow:var(--shadow-sm)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:64px;gap:20px}
.nav-logo{display:flex;align-items:center;gap:10px;font-family:var(--font-display);font-size:1.3rem;font-weight:700;color:var(--navy);flex-shrink:0}
.logo-mark{width:36px;height:36px;background:linear-gradient(135deg,var(--navy),var(--navy-light));border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--gold-light);font-size:1rem;font-weight:800}
.nav-links{display:flex;align-items:center;gap:24px}
.nav-links a{font-size:.86rem;font-weight:500;color:var(--text-mid);transition:color var(--transition)}
.nav-links a:hover{color:var(--navy)}
.nav-cta .btn-primary{padding:9px 20px;font-size:.86rem}
.hamburger{display:none;flex-direction:column;gap:5px;padding:8px;border-radius:var(--radius-sm)}
.hamburger span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px;transition:transform var(--transition),opacity var(--transition)}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mobile-menu{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:var(--white);z-index:99;padding:85px 28px 40px;flex-direction:column;gap:4px}
.mobile-menu.open{display:flex}
.mobile-menu a{font-size:1.05rem;font-weight:500;color:var(--text-dark);padding:13px 0;border-bottom:1px solid var(--border)}
.mobile-menu .btn-primary{margin-top:20px;justify-content:center}
.breadcrumb{padding:14px 0}
.breadcrumb ol{display:flex;align-items:center;gap:8px;flex-wrap:wrap;list-style:none}
.breadcrumb li{font-size:.82rem;color:var(--text-light)}
.breadcrumb li a{color:var(--navy);transition:color var(--transition)}
.breadcrumb li a:hover{color:var(--gold-dark)}
.breadcrumb li::after{content:'›';margin-left:8px;color:var(--text-muted)}
.breadcrumb li:last-child::after{display:none}
.breadcrumb li:last-child{color:var(--text-mid);font-weight:500}
.article-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-mid) 100%);padding:60px 0 50px;position:relative;overflow:hidden}
.article-hero::before{content:'';position:absolute;top:-40%;right:-10%;width:500px;height:500px;background:radial-gradient(ellipse,rgba(192,160,96,.1) 0%,transparent 70%)}
.article-hero-inner{position:relative;z-index:2;max-width:780px;margin:0 auto;padding:0 24px}
.article-label{display:inline-block;background:rgba(192,160,96,.15);color:var(--gold-light);border:1px solid rgba(192,160,96,.3);font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;padding:5px 14px;border-radius:50px;margin-bottom:18px}
.article-hero h1{font-family:var(--font-display);font-size:clamp(1.7rem,3.5vw,2.6rem);font-weight:700;color:var(--white);line-height:1.22;margin-bottom:18px}
.article-meta{display:flex;align-items:center;flex-wrap:wrap;gap:16px;font-size:.82rem;color:rgba(255,255,255,.58);margin-top:8px}
.article-layout{display:grid;grid-template-columns:1fr 300px;gap:48px;align-items:start;padding:56px 24px 80px;max-width:1100px;margin:0 auto}
.article-content h2{font-family:var(--font-display);font-size:clamp(1.3rem,2.5vw,1.8rem);font-weight:600;color:var(--navy);margin:40px 0 16px;line-height:1.3}
.article-content h3{font-size:1.08rem;font-weight:700;color:var(--navy);margin:26px 0 10px}
.article-content p{font-size:.97rem;color:var(--text-mid);line-height:1.8;margin-bottom:18px}
.article-content p.lead{font-size:1.07rem;color:var(--text-dark);font-weight:500}
.article-content strong{color:var(--text-dark);font-weight:600}
.article-content ul,.article-content ol{margin:8px 0 20px;display:flex;flex-direction:column;gap:10px}
.article-content ul li{display:flex;gap:12px;align-items:flex-start;font-size:.95rem;color:var(--text-mid);line-height:1.65}
.article-content ul li::before{content:'';width:8px;height:8px;background:var(--gold);border-radius:50%;flex-shrink:0;margin-top:7px}
.article-content ol{counter-reset:olc}
.article-content ol li{display:flex;gap:12px;align-items:flex-start;font-size:.95rem;color:var(--text-mid);line-height:1.65;counter-increment:olc}
.article-content ol li::before{content:counter(olc);width:26px;height:26px;background:linear-gradient(135deg,var(--navy),var(--navy-light));color:var(--gold-light);border-radius:50%;font-size:.75rem;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.callout{border-radius:var(--radius-md);padding:22px 26px;margin:26px 0}
.callout-info{background:linear-gradient(135deg,#f0f4ff,#e8edf8);border-left:4px solid var(--navy-light)}
.callout-warning{background:#fffbeb;border-left:4px solid #f59e0b}
.callout-success{background:var(--green-light);border-left:4px solid var(--green)}
.callout-disclaimer{background:var(--slate);border:1px solid var(--border)}
.callout h4{font-size:.9rem;font-weight:700;color:var(--navy);margin-bottom:8px}
.callout p{font-size:.88rem;color:var(--text-mid);line-height:1.7;margin-bottom:0}
.callout-warning h4{color:#92400e}
.callout-warning p{color:#78350f}
.key-takeaway{background:linear-gradient(135deg,var(--navy),var(--navy-light));border-radius:var(--radius-lg);padding:32px;margin:36px 0;color:var(--white)}
.key-takeaway h4{font-family:var(--font-display);font-size:1.2rem;color:var(--gold-light);margin-bottom:14px}
.key-takeaway ul{gap:8px}
.key-takeaway ul li{color:rgba(255,255,255,.82);font-size:.92rem}
.key-takeaway ul li::before{background:var(--gold-light)}
.article-cta{background:linear-gradient(135deg,var(--navy),var(--navy-mid));border-radius:var(--radius-xl);padding:48px 40px;text-align:center;margin:48px 0}
.article-cta h3{font-family:var(--font-display);font-size:1.7rem;color:var(--white);margin-bottom:14px}
.article-cta p{font-size:.95rem;color:rgba(255,255,255,.72);line-height:1.72;margin-bottom:28px;max-width:480px;margin-left:auto;margin-right:auto}
.cta-badges{display:flex;justify-content:center;flex-wrap:wrap;gap:10px;margin-top:18px}
.cta-badge{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:50px;padding:5px 14px;font-size:.78rem;color:rgba(255,255,255,.65)}
.cta-badge::before{content:'✓ ';color:var(--gold-light)}
.disclaimer-note{font-size:.75rem;color:rgba(255,255,255,.35);margin-top:14px}
.related-section{padding:60px 0;background:var(--section-alt)}
.related-section h2{font-family:var(--font-display);font-size:1.6rem;color:var(--navy);text-align:center;margin-bottom:32px}
.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;max-width:1100px;margin:0 auto;padding:0 24px}
.related-card{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px 24px;transition:box-shadow var(--transition),transform var(--transition)}
.related-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px)}
.related-card .rtag{font-size:.7rem;font-weight:700;color:var(--gold-dark);letter-spacing:.1em;text-transform:uppercase;margin-bottom:10px;display:block}
.related-card h3{font-size:.97rem;font-weight:700;color:var(--navy);line-height:1.4;margin-bottom:10px}
.related-card p{font-size:.85rem;color:var(--text-mid);line-height:1.6;margin-bottom:14px}
.read-link{font-size:.85rem;font-weight:600;color:var(--navy);display:inline-flex;align-items:center;gap:4px}
.sidebar{position:sticky;top:80px}
.sidebar-cta{background:linear-gradient(160deg,var(--navy),var(--navy-mid));border-radius:var(--radius-lg);padding:28px 24px;color:var(--white);text-align:center;margin-bottom:20px}
.sidebar-cta h4{font-family:var(--font-display);font-size:1.1rem;color:var(--gold-light);margin-bottom:10px}
.sidebar-cta p{font-size:.84rem;color:rgba(255,255,255,.7);line-height:1.65;margin-bottom:18px}
.sidebar-cta .btn-primary{width:100%;justify-content:center;font-size:.88rem;padding:12px 18px}
.sidebar-cta .guarantee{font-size:.73rem;color:rgba(255,255,255,.4);margin-top:10px}
.sidebar-toc{background:var(--slate);border:1px solid var(--border);border-radius:var(--radius-lg);padding:22px}
.sidebar-toc h4{font-size:.82rem;font-weight:700;color:var(--navy);letter-spacing:.06em;text-transform:uppercase;margin-bottom:12px}
.toc-list{display:flex;flex-direction:column;gap:4px}
.toc-list a{font-size:.84rem;color:var(--text-mid);padding:4px 0 4px 10px;border-left:2px solid transparent;transition:color var(--transition),border-color var(--transition);display:block;line-height:1.4}
.toc-list a:hover{color:var(--navy);border-left-color:var(--gold)}
.blog-footer{background:#0a1829;color:rgba(255,255,255,.5);padding:40px 0 28px}
.footer-inner-blog{display:flex;flex-wrap:wrap;gap:20px;justify-content:space-between;align-items:flex-start;max-width:1100px;margin:0 auto;padding:0 24px}
.footer-brand-blog h3{font-family:var(--font-display);font-size:1.1rem;color:var(--white);margin-bottom:6px}
.footer-brand-blog p{font-size:.8rem;color:rgba(255,255,255,.4);max-width:320px;line-height:1.6}
.footer-links-blog a{font-size:.82rem;color:rgba(255,255,255,.4);display:inline-block;margin:3px 10px 3px 0;transition:color var(--transition)}
.footer-links-blog a:hover{color:rgba(255,255,255,.7)}
.footer-disclaimer-blog{font-size:.73rem;color:rgba(255,255,255,.28);line-height:1.65;margin-top:20px;padding:20px 24px 0;border-top:1px solid rgba(255,255,255,.06);max-width:1100px;margin-left:auto;margin-right:auto}
@media(max-width:900px){.nav-links,.nav-cta{display:none}.hamburger{display:flex}.article-layout{grid-template-columns:1fr;padding:36px 0 60px}.sidebar{position:static}}
@media(max-width:600px){.article-hero{padding:40px 0 32px}.article-cta{padding:32px 20px}.article-cta h3{font-size:1.4rem}.related-grid{grid-template-columns:1fr}}