:root{--navy:#0d3858;--yellow:#f7c93a;--orange:#f78a0d;--cream:#f7f2e8;--ink:#17212b;--muted:#5f6b75;--line:#d9d2c7;--green:#13795b;--red:#c83e32;--white:#fff;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--cream)}*{box-sizing:border-box}body{margin:0;background:var(--cream);line-height:1.62}a{color:var(--navy)}.topbar{background:var(--navy);color:#fff}.topbar-inner{max-width:1120px;margin:auto;padding:18px 24px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-weight:900;letter-spacing:.04em;color:#fff;text-decoration:none}.topnav{display:flex;gap:16px;flex-wrap:wrap}.topnav a{color:#dceaf4;text-decoration:none;font-size:.92rem}.hero{background:var(--yellow);border-bottom:5px solid var(--navy)}.hero-inner{max-width:1120px;margin:auto;padding:64px 24px 58px}.eyebrow{text-transform:uppercase;font-size:.78rem;font-weight:900;letter-spacing:.12em;color:var(--red);margin:0 0 10px}.hero h1{font-size:clamp(2.3rem,5vw,4.6rem);line-height:.98;max-width:920px;margin:0 0 22px;letter-spacing:-.045em}.lede{font-size:clamp(1.05rem,2vw,1.28rem);max-width:780px;margin:0;color:#26323b}.status{margin-top:24px;padding:14px 16px;background:#fff7d3;border-left:5px solid var(--orange);max-width:820px}.shell{max-width:1120px;margin:auto;padding:38px 24px 72px;display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:34px}.content{min-width:0}.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;margin-bottom:24px;box-shadow:0 6px 24px rgba(13,56,88,.05)}h2{font-size:clamp(1.45rem,3vw,2rem);line-height:1.15;margin:0 0 16px}h3{font-size:1.18rem;margin:24px 0 8px}.kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:20px 0}.kpi{background:#eef4f7;border-radius:10px;padding:18px}.kpi span{display:block;color:var(--muted);font-size:.84rem}.kpi strong{display:block;font-size:1.35rem;margin-top:4px}.example{background:#f0f6f4;border-left:5px solid var(--green);padding:20px;margin:20px 0}.warning{background:#fff4e9;border-left:5px solid var(--orange);padding:20px;margin:20px 0}.formula{background:#0d3858;color:#fff;border-radius:10px;padding:18px;font-weight:700;margin:18px 0}.checklist{padding-left:1.2rem}.checklist li{margin:.55rem 0}.table-wrap{overflow-x:auto}.data-table{width:100%;border-collapse:collapse;min-width:580px}.data-table th,.data-table td{padding:12px 10px;border-bottom:1px solid #e8e2d8;text-align:left}.data-table th{background:#eef4f7;font-size:.88rem}.sidebar{position:relative}.sticky{position:sticky;top:20px}.cta{background:var(--navy);color:#fff;border-radius:14px;padding:24px}.cta h2{font-size:1.45rem}.cta p{color:#dceaf4}.button{display:inline-block;background:var(--orange);color:#fff!important;text-decoration:none;font-weight:900;border-radius:8px;padding:13px 16px;margin:6px 0 12px}.secondary-link{display:block;color:#fff;margin-top:8px}.sources{font-size:.88rem;color:var(--muted)}.sources a{word-break:break-word}.related{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.related a{background:#f3eee4;border:1px solid var(--line);padding:14px;border-radius:9px;text-decoration:none;font-weight:700}.faq details{border-top:1px solid var(--line);padding:15px 0}.faq summary{font-weight:800;cursor:pointer}.updated{font-size:.83rem;color:var(--muted);margin-top:24px}.footer{background:var(--navy);color:#dceaf4;padding:28px 24px}.footer-inner{max-width:1120px;margin:auto}.footer a{color:#fff}@media(max-width:860px){.shell{grid-template-columns:1fr}.sticky{position:static}.kpis{grid-template-columns:1fr}.related{grid-template-columns:1fr}.topbar-inner{align-items:flex-start;flex-direction:column}.hero-inner{padding-top:46px}.topnav{gap:10px}}