:root{--ink:#17233b;--muted:#61708a;--paper:#fff;--soft:#f4f7fb;--line:#dce4ef;--brand:#6859ff;--brand2:#241f6b;--good:#0b7650;--max:1160px}
*{box-sizing:border-box}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}
a{color:#4338ca;text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:#241f6b}.wrap{max-width:var(--max);margin:auto;padding:0 24px}
header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}.nav{min-height:70px;display:flex;align-items:center;gap:26px}.logo{font-weight:850;color:var(--ink);text-decoration:none;letter-spacing:-.02em}.navlinks{margin-left:auto;display:flex;gap:20px;align-items:center}.navlinks a{color:var(--ink);text-decoration:none;font-weight:650;font-size:.94rem}
.btn{display:inline-block;background:var(--brand);color:#fff!important;text-decoration:none;padding:12px 18px;border-radius:10px;font-weight:800;border:0}.btn.secondary{background:#fff;color:var(--brand2)!important;border:1px solid var(--line)}
.hero{padding:78px 0 58px;background:linear-gradient(145deg,#f7f5ff 0%,#f6fbff 55%,#fff 100%)}.hero-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:48px;align-items:center}
.kicker{font-weight:800;color:var(--brand2);text-transform:uppercase;letter-spacing:.08em;font-size:.78rem}.hero h1,.article h1{font-size:clamp(2.25rem,5vw,4.6rem);line-height:1.02;letter-spacing:-.055em;margin:.25em 0}.hero p{font-size:1.18rem;color:var(--muted);max-width:760px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 10px 35px rgba(31,42,68,.06)}.card h3{margin-top:0}.stat{font-size:2rem;font-weight:900;letter-spacing:-.04em}
section{padding:58px 0}.soft{background:var(--soft)}h2{font-size:clamp(1.65rem,3vw,2.6rem);line-height:1.12;letter-spacing:-.035em}h3{line-height:1.25}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.article{max-width:820px;margin:auto;padding:62px 24px}.article h1{font-size:clamp(2.35rem,5vw,4.1rem)}.article h2{margin-top:2em}.article p,.article li{font-size:1.05rem}.lede{font-size:1.25rem!important;color:var(--muted)}
.note{border-left:4px solid var(--brand);background:#f7f5ff;padding:18px 20px;border-radius:0 12px 12px 0}.disclosure{font-size:.9rem;color:var(--muted);background:#fafbfc;border:1px solid var(--line);padding:14px 16px;border-radius:10px}
table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.96rem}th,td{text-align:left;padding:13px;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--soft)}
.breadcrumb{font-size:.88rem;color:var(--muted);margin-bottom:22px}.breadcrumb a{color:var(--muted)}
.cta{background:var(--brand2);color:#fff;border-radius:20px;padding:30px;margin:38px 0}.cta h2{margin-top:0;color:#fff}.cta p{color:#e5e7ff}.cta .btn{background:#fff;color:var(--brand2)!important}
footer{background:#11182a;color:#c9d2e3;padding:48px 0;margin-top:60px}footer a{color:#fff}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.small{font-size:.88rem;color:var(--muted)}
.tag{display:inline-block;padding:5px 9px;background:#eeeaff;color:#3c348b;border-radius:999px;font-size:.78rem;font-weight:800;margin-right:6px}
@media(max-width:820px){.hero-grid,.grid3,.grid2,.footgrid{grid-template-columns:1fr}.navlinks a:not(.btn){display:none}.hero{padding-top:48px}.nav{gap:10px}.article{padding-top:42px}}