:root{--ink:#0f2a33;--muted:#58707a;--sea:#0e7c86;--sea-dark:#0a5d65;--sand:#f7f2ea;--line:#e3ddd2;--sun:#f2a541;--radius:14px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;padding-bottom:76px}
a{color:var(--sea-dark)}
.wrap{max-width:760px;margin:0 auto;padding:0 20px}
.site-header{border-bottom:1px solid var(--line);background:#fff}
.site-header .wrap{display:flex;justify-content:space-between;align-items:center;height:60px;max-width:1080px}
.logo{font-weight:800;text-decoration:none;color:var(--ink);letter-spacing:-.01em}
.site-header nav a{margin-left:18px;text-decoration:none;color:var(--muted);font-size:15px}
.hero{background:linear-gradient(160deg,#0e7c86 0%,#0a5d65 100%);color:#fff;padding:56px 0 48px}
.hero h1{font-size:clamp(28px,5vw,42px);line-height:1.15;margin:0 0 14px;letter-spacing:-.02em}
.hero p{opacity:.92;margin:0 0 24px}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;background:var(--sun);color:#1d1300;font-weight:700;text-decoration:none;padding:13px 20px;border-radius:999px;transition:transform .1s}
.btn:hover{transform:translateY(-1px)}
.btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.7)}
.btn-block{display:block;text-align:center}
.textlink{font-weight:600}
.article h1{font-size:clamp(28px,4.6vw,38px);line-height:1.2;letter-spacing:-.02em;margin:18px 0 6px}
.article h2{font-size:24px;line-height:1.3;margin:40px 0 10px;letter-spacing:-.01em}
.crumbs{font-size:14px;color:var(--muted);margin-top:20px}
.crumbs a{color:var(--muted)}
.meta,.small{font-size:14px;color:var(--muted)}
.disclosure{font-size:13px;color:var(--muted);background:var(--sand);border-radius:10px;padding:10px 14px}
.facts{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:20px 0}
.fact{border:1px solid var(--line);border-radius:var(--radius);padding:12px 14px}
.fact span{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.fact strong{font-size:16px}
@media(min-width:640px){.facts{grid-template-columns:repeat(4,1fr)}}
.toc{background:var(--sand);border-radius:var(--radius);padding:16px 20px;margin:24px 0}
.toc ol{margin:8px 0 0;padding-left:20px}
.toc a{text-decoration:none}
blockquote{margin:16px 0;padding:14px 18px;border-left:4px solid var(--sea);background:#eef7f8;border-radius:0 10px 10px 0}
.table-wrap{overflow-x:auto;margin:24px 0;border:1px solid var(--line);border-radius:var(--radius)}
table{border-collapse:collapse;width:100%;font-size:15px;min-width:560px}
caption{text-align:left;font-weight:700;padding:12px 14px}
th,td{padding:11px 14px;border-top:1px solid var(--line);text-align:left;vertical-align:top}
thead th{background:var(--sand);border-top:0}
tbody th{font-weight:600}
.cta-box{border:2px solid var(--sea);border-radius:var(--radius);padding:18px 20px;margin:28px 0;background:#f4fbfb}
.cta-box strong{font-size:19px}
.cta-box p{margin:6px 0 14px}
details{border-bottom:1px solid var(--line);padding:12px 0}
summary{cursor:pointer;font-weight:600}
details p{margin:8px 0 0}
.sources ul,.related ul{padding-left:20px}
.cards{display:grid;gap:14px;grid-template-columns:1fr}
@media(min-width:700px){.cards{grid-template-columns:1fr 1fr}}
.card{display:block;border:1px solid var(--line);border-radius:var(--radius);padding:18px;text-decoration:none;color:var(--ink)}
.card:hover{border-color:var(--sea)}
.card span{display:block;color:var(--muted);font-size:15px;margin-top:6px}
#guides h2{margin-top:36px}
.sticky-cta{position:fixed;left:0;right:0;bottom:0;padding:10px 16px;background:rgba(255,255,255,.96);border-top:1px solid var(--line);z-index:10}
@media(min-width:900px){.sticky-cta{left:auto;right:24px;bottom:24px;border:0;background:none;padding:0}.sticky-cta .btn{box-shadow:0 8px 24px rgba(0,0,0,.18)}}
.site-footer{border-top:1px solid var(--line);margin-top:48px;padding:24px 0;font-size:14px;color:var(--muted)}