:root{--ink:#132b35;--teal:#287b7b;--paper:#fbfaf6;--card:#fff;--muted:#5f7075;--line:#dbe4e2;--cta:#c96f3b}
*{box-sizing:border-box}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--paper);color:var(--ink);line-height:1.7}
a{color:#176b70}header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.wrap{max-width:1080px;margin:auto;padding:0 22px}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:68px}
.brand{font-weight:800;color:var(--ink);text-decoration:none;font-size:1.18rem}.brand span{color:var(--teal)}
nav a{margin-left:18px;text-decoration:none;color:var(--ink);font-size:.94rem}.hero{padding:70px 0 42px;background:linear-gradient(135deg,#eef7f4,#fbfaf6)}
.hero h1,.article h1{font-size:clamp(2rem,5vw,3.5rem);line-height:1.08;margin:.2em 0}.eyebrow{color:var(--teal);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:.78rem}
.lead{font-size:1.18rem;max-width:760px;color:#38515a}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px}
.card h3{margin-top:0}.article{max-width:820px;margin:48px auto;padding:0 22px}.article h2{margin-top:2.1em;line-height:1.25}.article h3{margin-top:1.6em}
.note,.evidence,.affiliate{padding:18px 20px;border-radius:12px;margin:24px 0}.note{background:#eef5f5}.evidence{background:#f1f7ef;border-left:4px solid #5c8d61}.affiliate{background:#fff4ec;border:1px solid #f0d0bb}
.cta{display:inline-block;background:var(--cta);color:#fff;text-decoration:none;font-weight:800;padding:13px 19px;border-radius:10px;margin:8px 0}.small{font-size:.88rem;color:var(--muted)}
.breadcrumb{font-size:.86rem;color:var(--muted);margin-top:28px}.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 20px}
table{width:100%;border-collapse:collapse;margin:24px 0;background:#fff}th,td{text-align:left;border:1px solid var(--line);padding:12px;vertical-align:top}
footer{margin-top:70px;background:#102b34;color:#dbe8e8;padding:40px 0}footer a{color:#fff}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
.disclosure{font-size:.86rem;color:#b8cbcc}.source-list li{margin-bottom:8px}
@media(max-width:760px){.grid,.footergrid{grid-template-columns:1fr}nav{display:none}.hero{padding-top:45px}.article{margin-top:30px}table{font-size:.9rem}.card{padding:20px}}