:root{--navy: #0a2540;--navy-2: #183b56;--violet: #6d28d9;--violet-dark: #5420ad;--violet-soft: #f3effd;--cream: #fbfaf6;--paper: #ffffff;--ink: #152536;--muted: #5d6b78;--line: #dce3e9;--green: #16794b;--amber: #9a5b00;--red: #a33131;--shadow: 0 18px 50px rgba(10, 37, 64, 0.08);--radius: 18px;--max: 1160px}*{box-sizing:border-box}html{scroll-behavior:smooth;background:var(--cream)}body{margin:0;color:var(--ink);background:radial-gradient(circle at 96% 2%,rgba(109,40,217,0.10),transparent 27rem),var(--cream);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}a{color:var(--violet-dark);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--violet)}img,svg{max-width:100%}.skip-link{position:absolute;left:1rem;top:-5rem;z-index:100;padding:0.75rem 1rem;color:#fff;background:var(--navy);border-radius:8px}.skip-link:focus{top:1rem}.site-header{position:sticky;top:0;z-index:20;border-bottom:1px solid rgba(220,227,233,0.88);background:rgba(251,250,246,0.94);backdrop-filter:blur(14px)}.nav-shell,.shell{width:min(var(--max),calc(100% - 40px));margin-inline:auto}.nav-shell{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:inline-flex;align-items:center;gap:11px;color:var(--navy);font-weight:800;text-decoration:none;letter-spacing:-0.02em}.brand-mark{display:grid;place-items:center;width:38px;height:38px;color:#fff;background:var(--navy);border-radius:11px;font-size:12px;letter-spacing:0.04em}.nav-links{display:flex;flex-wrap:wrap;gap:22px;align-items:center;font-size:14px;font-weight:700}.nav-links a{color:var(--navy-2);text-decoration:none}.nav-links a[aria-current=page]{color:var(--violet)}.breadcrumbs{padding:24px 0 0;color:var(--muted);font-size:13px}.breadcrumbs a{color:inherit}.hero{padding:72px 0 54px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(260px,0.65fr);gap:56px;align-items:end}.eyebrow{display:inline-flex;margin-bottom:18px;color:var(--violet-dark);font-size:12px;line-height:1.2;font-weight:800;letter-spacing:0.13em;text-transform:uppercase}h1,h2,h3{color:var(--navy);line-height:1.12;letter-spacing:-0.035em}h1{max-width:900px;margin:0 0 24px;font-size:clamp(2.55rem,6vw,5.1rem)}h2{margin:0 0 18px;font-size:clamp(2rem,4vw,3.1rem)}h3{margin:0 0 10px;font-size:1.25rem;letter-spacing:-0.02em}.lede{max-width:760px;margin:0;color:var(--navy-2);font-size:clamp(1.12rem,2vw,1.35rem);line-height:1.55}.byline{padding:22px;border:1px solid var(--line);background:rgba(255,255,255,0.72);border-radius:14px;color:var(--muted);font-size:14px}.byline strong{display:block;margin-bottom:4px;color:var(--navy);font-size:16px}.answer-capsule{margin:0 0 28px;padding:24px 26px;border:1px solid rgba(109,40,217,0.24);border-left:5px solid var(--violet);background:var(--paper);border-radius:12px;box-shadow:0 9px 24px rgba(10,37,64,0.05);font-size:1.06rem}.answer-capsule p{margin:0}.metric-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;overflow:hidden;margin-top:22px;border:1px solid var(--line);background:var(--line);border-radius:12px}.metric{padding:20px;background:var(--paper)}.metric strong{display:block;color:var(--violet-dark);font-size:1.5rem;line-height:1.1}.metric span{display:block;margin-top:6px;color:var(--muted);font-size:13px}.section{padding:78px 0;border-top:1px solid var(--line)}.section.paper{background:rgba(255,255,255,0.68)}.section-intro{max-width:760px;margin-bottom:38px}.section-intro p{margin:0;color:var(--muted)}.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.card{display:flex;flex-direction:column;min-height:230px;padding:26px;border:1px solid var(--line);background:var(--paper);border-radius:var(--radius);box-shadow:0 8px 22px rgba(10,37,64,0.035)}.card .tag{margin-bottom:22px;color:var(--violet-dark);font-size:11px;font-weight:800;letter-spacing:0.1em;text-transform:uppercase}.card p{margin:0 0 20px;color:var(--muted);font-size:15px}.card .card-link{margin-top:auto;font-size:14px;font-weight:800}.card.featured{grid-column:span 2;color:#fff;border-color:var(--navy);background:linear-gradient(135deg,rgba(109,40,217,0.24),transparent 55%),var(--navy)}.card.featured h3,.card.featured .tag{color:#fff}.card.featured p{color:#dce7ef}.card.featured a{color:#fff}.button-row{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0}.button{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 18px;border:1px solid var(--violet);color:#fff;background:var(--violet);border-radius:9px;font-size:14px;font-weight:800;text-decoration:none;cursor:pointer}.button:hover{color:#fff;background:var(--violet-dark)}.button.secondary{color:var(--navy);border-color:var(--line);background:var(--paper)}.button.secondary:hover{color:var(--violet-dark);border-color:var(--violet)}.table-wrap{overflow-x:auto;margin:28px 0;border:1px solid var(--line);border-radius:13px;background:var(--paper)}table{width:100%;border-collapse:collapse;min-width:760px;font-size:14px}th,td{padding:15px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}th{color:var(--navy);background:#f2f5f7;font-size:12px;letter-spacing:0.04em;text-transform:uppercase}tr:last-child td{border-bottom:0}.checklist{display:grid;gap:22px}.check-group{padding:28px;border:1px solid var(--line);background:var(--paper);border-radius:var(--radius)}.check-group header{display:flex;justify-content:space-between;gap:18px;align-items:baseline;margin-bottom:18px}.check-group header span{color:var(--muted);font-size:13px}.check-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 22px;margin:0;padding:0;list-style:none}.check-list label{display:grid;grid-template-columns:22px 1fr;gap:10px;align-items:start;padding:10px 0}.check-list input{width:18px;height:18px;margin-top:4px;accent-color:var(--violet)}.tool-panel{padding:32px;border:1px solid var(--line);background:var(--paper);border-radius:var(--radius);box-shadow:var(--shadow)}.calc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.field{display:grid;gap:7px}.field label{color:var(--navy);font-size:13px;font-weight:800}.field small{color:var(--muted);font-size:12px}.field input{width:100%;min-height:48px;padding:10px 12px;border:1px solid #c9d3dc;border-radius:8px;color:var(--navy);background:#fff;font:inherit}.field input:focus{outline:3px solid rgba(109,40,217,0.18);border-color:var(--violet)}.results{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin-top:28px}.result{padding:20px 16px;border:1px solid var(--line);background:var(--cream);border-radius:10px}.result span{display:block;color:var(--muted);font-size:12px}.result strong{display:block;margin-top:8px;color:var(--navy);font-size:1.45rem;line-height:1.1}.note{padding:18px 20px;border-left:4px solid var(--amber);background:#fff8e8;border-radius:8px;color:#5a4218;font-size:14px}.source-list{display:grid;gap:12px;padding-left:1.25rem}.source-list li{padding-left:4px}.source-list small{display:block;color:var(--muted)}.timeline{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;counter-reset:phase}.phase{position:relative;padding:26px 22px;border-top:5px solid var(--violet);background:var(--paper);border-radius:0 0 14px 14px;box-shadow:0 8px 20px rgba(10,37,64,0.04);counter-increment:phase}.phase::before{content:"0" counter(phase);display:block;margin-bottom:22px;color:var(--violet);font-size:12px;font-weight:900;letter-spacing:0.12em}.phase .period{display:block;margin-bottom:10px;color:var(--muted);font-size:12px;font-weight:700}.phase ul{margin:16px 0 0;padding-left:18px;color:var(--muted);font-size:14px}.faq-list{max-width:860px}.faq-list details{border-top:1px solid var(--line);padding:20px 0}.faq-list details:last-child{border-bottom:1px solid var(--line)}.faq-list summary{color:var(--navy);font-size:18px;font-weight:800;cursor:pointer}.faq-list details p{margin:14px 0 0;color:var(--muted)}.author-card{display:grid;grid-template-columns:76px 1fr;gap:22px;align-items:center;max-width:820px;padding:24px;border:1px solid var(--line);background:var(--paper);border-radius:14px}.author-card img{width:76px;height:76px;object-fit:cover;border-radius:50%}.author-card p{margin:7px 0;color:var(--muted)}.author-card .links{font-size:14px}.site-footer{padding:46px 0;color:#dfe9f0;background:var(--navy);font-size:14px}.footer-grid{display:grid;grid-template-columns:1.25fr 1fr;gap:40px}.site-footer h2{margin:0 0 12px;color:#fff;font-size:1.4rem}.site-footer p{max-width:650px;margin:0}.site-footer nav{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:16px}.site-footer a{color:#fff}.fine-print{margin-top:26px!important;color:#aebfcb;font-size:12px}@media(max-width:900px){.hero-grid,.footer-grid{grid-template-columns:1fr}.card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.card.featured{grid-column:span 2}.timeline{grid-template-columns:repeat(2,minmax(0,1fr))}.results{grid-template-columns:repeat(2,minmax(0,1fr))}.site-footer nav{justify-content:flex-start}}@media(max-width:650px){body{font-size:16px}.nav-shell,.shell{width:min(100% - 28px,var(--max))}.nav-shell{min-height:64px}.nav-links a:not(:last-child){display:none}.hero{padding:52px 0 42px}h1{font-size:clamp(2.35rem,13vw,3.7rem)}.metric-strip,.card-grid,.timeline,.calc-grid,.results,.check-list{grid-template-columns:1fr}.card.featured{grid-column:auto}.section{padding:58px 0}.tool-panel,.check-group{padding:22px 18px}.author-card{grid-template-columns:1fr}}@media print{body{background:#fff;font-size:11pt}.site-header,.site-footer,.breadcrumbs,.button-row,.no-print{display:none!important}.hero,.section{padding:24px 0}.shell{width:100%}.card,.check-group,.tool-panel,.phase{break-inside:avoid;box-shadow:none}a{color:#000;text-decoration:none}.table-wrap{overflow:visible}table{min-width:0;font-size:9pt}}