:root{--navy:#0c203d;--navy2:#173a6d;--blue:#245cb5;--gold:#f7b51e;--paper:#f6f5f1;--mist:#eaf0f7;--line:#d7e0eb;--muted:#647693;--white:#fff;--green:#128153}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--navy);font-family:"DM Sans",sans-serif;line-height:1.65}
img{max-width:100%}
a{color:var(--blue)}
.wrap{width:min(1160px,calc(100% - 40px));margin:auto}
.guide-hero{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--navy),#071426);color:#fff;padding:96px 0 82px}
.guide-hero:after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:58px 58px;pointer-events:none}
.guide-hero .wrap{position:relative;z-index:1}
.crumbs{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 22px;font-size:12px;color:#9dadc3}
.crumbs a{color:#c7d3e4;text-decoration:none}
.eyebrow{margin:0 0 14px;color:var(--gold);font-size:12px;font-weight:800;letter-spacing:2.8px;text-transform:uppercase}
.guide-hero h1,.hub-title,.content h2,.cta h2,.related h2{font-family:"Bebas Neue",sans-serif;line-height:.98;letter-spacing:.5px;margin:0}
.guide-hero h1{max-width:980px;font-size:clamp(56px,8.4vw,104px)}
.guide-hero h1 span,.content h2 span,.hub-title span,.cta h2 span{color:var(--gold)}
.dek{max-width:820px;margin:24px 0 20px;color:#c8d3e3;font:italic clamp(18px,2.1vw,23px)/1.55 "DM Serif Display",serif}
.updated{margin:0;color:#94a6bf;font-size:13px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:13px 21px;border-radius:7px;text-decoration:none;font-weight:800;line-height:1.2}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-dark{background:var(--navy);color:#fff}
.btn-outline{border:1px solid rgba(255,255,255,.32);color:#fff}
.article-shell{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:54px;align-items:start;padding:64px 0 88px}
.content{min-width:0}
.quick-answer{background:#fff;border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:14px;padding:28px 30px;margin:0 0 42px;box-shadow:0 14px 30px rgba(12,32,61,.05)}
.quick-answer strong{display:block;margin-bottom:8px;color:var(--gold);font-size:12px;letter-spacing:2px;text-transform:uppercase}
.quick-answer p{font:21px/1.55 "DM Serif Display",serif;margin:0;color:var(--navy)}
.content h2{font-size:clamp(38px,5vw,56px);margin:50px 0 16px}
.content h3{margin:30px 0 9px;font-size:21px;line-height:1.25}
.content p,.content li{font-size:16px;color:#435775}
.content p{margin:0 0 18px}
.content ul,.content ol{padding-left:22px;margin:14px 0 24px}
.content li{margin-bottom:9px}
.content strong{color:var(--navy)}
.table-wrap{overflow-x:auto;margin:24px 0 34px;border:1px solid var(--line);border-radius:13px;background:#fff}
.compare{width:100%;border-collapse:collapse;min-width:640px}
.compare th,.compare td{padding:14px 17px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top;font-size:14px}
.compare th{background:var(--navy);color:#fff;font-size:12px;letter-spacing:.7px;text-transform:uppercase}
.compare tr:last-child td{border-bottom:0}
.compare td:first-child{font-weight:700;color:var(--navy)}
.good{color:var(--green);font-weight:700}
.callout{margin:30px 0;background:var(--mist);border-radius:13px;padding:24px 26px}
.callout.gold{background:#fff7dd;border:1px solid #f3d984}
.callout p:last-child{margin-bottom:0}
.decision-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:22px 0 34px}
.decision{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px}
.decision h3{margin:0 0 10px;font:30px/1 "Bebas Neue",sans-serif}
.decision p:last-child{margin-bottom:0}
.sidebar{position:sticky;top:86px;display:grid;gap:16px}
.side-card{background:#fff;border:1px solid var(--line);border-radius:13px;padding:22px}
.side-card h2{margin:0 0 10px;font:28px/1 "Bebas Neue",sans-serif}
.side-card p{margin:0 0 15px;color:var(--muted);font-size:13px}
.side-card a:not(.btn){display:block;padding:9px 0;border-top:1px solid var(--line);font-size:13px;font-weight:700;text-decoration:none}
.side-card .btn{width:100%;font-size:14px}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:22px 0 34px}
.fact{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}
.fact b{display:block;color:var(--blue);font:34px/1 "Bebas Neue",sans-serif}
.fact span{display:block;margin-top:8px;color:var(--muted);font-size:12px;line-height:1.35}
.faq{margin-top:54px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:11px;margin:0 0 10px;padding:0 20px}
.faq summary{cursor:pointer;padding:18px 24px 18px 0;font-weight:800;line-height:1.35}
.faq details p{padding:0 0 18px;margin:0}
.sources{margin-top:48px;padding-top:26px;border-top:1px solid var(--line)}
.sources h2{font-size:34px;margin:0 0 10px}
.sources li,.sources p{font-size:13px;color:var(--muted)}
.sources a{word-break:break-word}
.related{background:var(--mist);padding:72px 0}
.related h2{font-size:48px;margin-bottom:24px}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.related-card{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;text-decoration:none;color:var(--navy)}
.related-card:hover{border-color:var(--gold);transform:translateY(-2px)}
.related-card small{display:block;color:var(--gold);font-weight:800;letter-spacing:1.5px;text-transform:uppercase}
.related-card strong{display:block;margin-top:8px;font-size:18px;line-height:1.25}
.cta{background:var(--navy);color:#fff;text-align:center;padding:76px 20px}
.cta h2{font-size:clamp(46px,6vw,70px)}
.cta p{max-width:660px;margin:15px auto 28px;color:#b7c4d7}
.footer-links{background:var(--navy);padding:28px 20px 12px;text-align:center;color:rgba(255,255,255,.34);font-size:13px}
.footer-links a{color:rgba(255,255,255,.62);margin:0 8px;text-decoration:none}
.footer-links a:hover{color:var(--gold)}
footer{background:var(--navy);padding:22px 20px 34px;color:#8f9db2;text-align:center;font-size:12px}
.hub-hero{background:var(--navy);color:#fff;padding:92px 0 80px}
.hub-title{font-size:clamp(66px,9vw,112px);max-width:900px}
.hub-intro{max-width:760px;color:#c6d2e3;font:italic 21px/1.55 "DM Serif Display",serif;margin:22px 0 0}
.hub-main{padding:76px 0 96px}
.hub-section{margin-top:58px}
.hub-section:first-child{margin-top:0}
.hub-section-head{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:22px}
.hub-section h2{font:48px/1 "Bebas Neue",sans-serif;margin:0}
.hub-section-head p{max-width:520px;margin:0;color:var(--muted);font-size:14px}
.guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.guide-card{display:grid;grid-template-columns:160px 1fr;min-height:180px;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;text-decoration:none;color:var(--navy);transition:.18s}
.guide-card:hover{transform:translateY(-3px);border-color:var(--gold);box-shadow:0 16px 34px rgba(12,32,61,.08)}
.guide-card img{width:100%;height:100%;object-fit:cover;background:var(--mist)}
.guide-card-body{padding:22px}
.guide-card small{color:var(--gold);font-size:11px;font-weight:800;letter-spacing:1.5px;text-transform:uppercase}
.guide-card h3{margin:8px 0 8px;font-size:20px;line-height:1.2}
.guide-card p{margin:0;color:var(--muted);font-size:13px;line-height:1.5}
.library-promise{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center;margin-top:70px;background:var(--navy);border-radius:18px;padding:44px;color:#fff}
.library-promise h2{font:52px/1 "Bebas Neue",sans-serif;margin:0 0 14px}
.library-promise p{color:#bcc9da;margin:0}
.promise-list{display:grid;gap:10px}
.promise-list span{padding:12px 14px;border:1px solid rgba(255,255,255,.14);border-radius:8px;color:#dce4ef;font-size:14px}
@media(max-width:900px){.article-shell{grid-template-columns:1fr}.sidebar{position:static;grid-template-columns:1fr 1fr}.related-grid{grid-template-columns:1fr 1fr}.guide-grid{grid-template-columns:1fr}.library-promise{grid-template-columns:1fr}.hub-section-head{display:block}.hub-section-head p{margin-top:10px}}
@media(max-width:620px){.wrap{width:min(100% - 28px,1160px)}.guide-hero,.hub-hero{padding:70px 0 60px}.guide-hero h1{font-size:54px}.hub-title{font-size:62px}.article-shell{padding:42px 0 62px;gap:34px}.quick-answer{padding:22px}.quick-answer p{font-size:18px}.content h2{font-size:38px}.decision-grid,.facts,.sidebar,.related-grid{grid-template-columns:1fr}.hero-actions .btn{width:100%}.guide-card{grid-template-columns:112px 1fr;min-height:170px}.guide-card-body{padding:18px 16px}.guide-card h3{font-size:17px}.hub-main{padding:54px 0 70px}.hub-section{margin-top:46px}.hub-section h2{font-size:40px}.library-promise{padding:28px 22px}.footer-links{line-height:2.2}}