:root{--ink:#10283f;--muted:#607286;--blue:#087cc1;--deep:#055887;--sky:#eaf7ff;--mint:#eaf9f5;--line:#dce8ef;--white:#fff;--shadow:0 16px 45px rgba(16,40,63,.10);--radius:22px}
*{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:#fff;line-height:1.65}
a{color:var(--deep)}img{max-width:100%}.wrap{width:min(1120px,calc(100% - 32px));margin:auto}.topbar{background:var(--ink);color:#fff;text-align:center;padding:7px 16px;font-size:.82rem}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:22px}.brand{font-weight:850;text-decoration:none;color:var(--ink);letter-spacing:-.03em;font-size:1.16rem}.brand span{color:var(--blue)}
nav{display:flex;gap:22px;align-items:center}nav a{text-decoration:none;color:var(--ink);font-weight:650;font-size:.93rem}.menu{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:9px 12px;font-weight:700}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:#fff!important;text-decoration:none;font-weight:800;border-radius:999px;padding:13px 20px;border:0;box-shadow:0 8px 20px rgba(8,124,193,.2)}.btn:hover{background:var(--deep)}.btn.secondary{background:#fff;color:var(--deep)!important;border:1px solid #acd9ef;box-shadow:none}
.hero{background:linear-gradient(135deg,#f7fcff 0%,#eaf7ff 58%,#effcf8 100%);padding:78px 0 64px;border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:55px;align-items:center}.eyebrow{font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;font-weight:850;color:var(--blue)}h1{font-size:clamp(2.4rem,6vw,4.8rem);line-height:1.02;letter-spacing:-.055em;margin:.18em 0}h2{font-size:clamp(1.55rem,3vw,2.25rem);line-height:1.15;letter-spacing:-.035em;margin:1.7em 0 .55em}h3{line-height:1.2}.lede{font-size:1.18rem;color:#405a70;max-width:720px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.brush-art{background:#fff;border-radius:34px;box-shadow:var(--shadow);padding:28px;min-height:360px;display:grid;place-items:center;position:relative;overflow:hidden}.brush{width:82px;height:250px;background:linear-gradient(#fff,#dceff8);border:4px solid #cbe4f0;border-radius:30px 30px 38px 38px;position:relative;box-shadow:0 15px 30px rgba(0,70,110,.15)}.brush:before{content:"";position:absolute;left:17px;top:-84px;width:40px;height:92px;background:repeating-linear-gradient(90deg,#159bd6 0 4px,#dff7ff 4px 8px);border-radius:16px 16px 7px 7px;box-shadow:-28px 9px 0 -8px #7bd0ee,28px 9px 0 -8px #7bd0ee}.brush:after{content:"3";position:absolute;inset:auto 0 70px;text-align:center;font-size:2.4rem;font-weight:900;color:var(--blue)}
main{padding:50px 0}.article{max-width:820px;margin:auto}.article p,.article li{color:#334e63}.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:22px}.crumbs a{text-decoration:none}.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:28px 0}.card{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff;box-shadow:0 8px 24px rgba(16,40,63,.05)}.card h3{margin-top:0}.card p{color:var(--muted)}.pill{display:inline-block;background:var(--sky);color:var(--deep);padding:5px 10px;border-radius:99px;font-size:.78rem;font-weight:800}.money-box{background:linear-gradient(135deg,var(--ink),#154e70);color:#fff;border-radius:var(--radius);padding:28px;margin:32px 0}.money-box p{color:#e3eff6}.money-box .btn{background:#fff;color:var(--deep)!important}.source-note,.disclosure{background:#f7fafc;border-left:4px solid var(--blue);padding:16px 18px;border-radius:10px;margin:25px 0;font-size:.9rem;color:#52697c}.compare{width:100%;border-collapse:collapse;margin:24px 0;font-size:.94rem}.compare th,.compare td{padding:13px;border-bottom:1px solid var(--line);text-align:left}.compare th{background:#f3f9fc}.toc{background:var(--sky);padding:20px 24px;border-radius:16px}.toc a{text-decoration:none}.related{border-top:1px solid var(--line);margin-top:45px;padding-top:24px}.related a{display:inline-block;margin:5px 12px 5px 0;font-weight:700}
footer{background:#0d2639;color:#d6e2e9;margin-top:60px;padding:48px 0 28px}footer a{color:#fff}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.fine{border-top:1px solid #294256;margin-top:30px;padding-top:20px;font-size:.82rem;color:#aebfca}
.popup{position:fixed;inset:auto 14px 14px auto;width:min(390px,calc(100% - 28px));background:#fff;border:1px solid var(--line);border-radius:22px;padding:22px;box-shadow:0 24px 70px rgba(8,45,70,.24);z-index:50;display:none}.popup.show{display:block}.popup-close{position:absolute;right:12px;top:10px;border:0;background:transparent;font-size:1.5rem;cursor:pointer}.popup h3{margin:0 28px 6px 0}.popup p{font-size:.91rem;color:var(--muted)}
@media(max-width:820px){.hero-grid{grid-template-columns:1fr}.brush-art{min-height:280px}.card-grid{grid-template-columns:1fr 1fr}nav{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;padding:18px 24px;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}nav.open{display:flex}.menu{display:block}.foot{grid-template-columns:1fr 1fr}.hero{padding-top:52px}}
@media(max-width:560px){.card-grid,.foot{grid-template-columns:1fr}.wrap{width:min(100% - 24px,1120px)}h1{font-size:2.65rem}.btn{width:100%}.actions{display:grid}.topbar{font-size:.75rem}.popup{inset:auto 10px 10px 10px;width:auto}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}