:root{
  --ink:#173149;--ink-2:#2b4d62;--paper:#fbfcfd;--soft:#eef5f4;--mint:#dff1e8;--sand:#f7ecd9;--rose:#f5e3e0;--line:#d9e2e7;--muted:#5b6b76;--white:#fff;--accent:#2f7b6d;
  --max:1120px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--paper);line-height:1.7}a{color:#176b61;text-decoration-thickness:1px;text-underline-offset:3px}a:hover{text-decoration-thickness:2px}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.topbar{position:sticky;top:0;z-index:20;background:rgba(23,49,73,.96);backdrop-filter:blur(10px);border-bottom:1px solid rgba(255,255,255,.12)}.topbar-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:64px}.brand{color:white;text-decoration:none;font-size:20px;letter-spacing:.04em}.brand strong{font-weight:800}.stamp{color:#cfe4e2;font-size:13px}.hero{padding:82px 0 58px;background:linear-gradient(135deg,#eef7f4 0%,#f7f1e8 55%,#f5e8e5 100%);border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(290px,.75fr);gap:54px;align-items:start}.eyebrow{font-size:12px;font-weight:800;letter-spacing:.14em;color:#2f6f67}.hero h1{font-size:clamp(42px,6vw,72px);line-height:1.02;letter-spacing:-.04em;margin:10px 0 22px;max-width:850px}.lead{font-size:21px;max-width:800px;color:#29485b}.answer-card{margin-top:30px;padding:24px 26px;background:#fff;border:1px solid #cfe1dc;border-left:6px solid var(--accent);border-radius:16px;box-shadow:0 14px 35px rgba(24,49,73,.06)}.answer-card p{margin:6px 0 0;font-size:17px}.answer-label{font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;color:var(--accent)}.factbox{background:#173149;color:white;padding:28px;border-radius:18px;box-shadow:0 18px 42px rgba(23,49,73,.18)}.factbox h2{margin:0 0 18px;font-size:22px}.factbox dl{margin:0}.factbox dl div{display:grid;grid-template-columns:120px 1fr;gap:14px;padding:12px 0;border-top:1px solid rgba(255,255,255,.14)}.factbox dt{color:#b9d9d6;font-size:13px}.factbox dd{margin:0;font-weight:650}.quick-nav{background:white;border-bottom:1px solid var(--line)}.chips{display:flex;flex-wrap:wrap;gap:8px;padding:18px 0}.chips a{padding:8px 12px;border:1px solid var(--line);border-radius:999px;text-decoration:none;color:var(--ink-2);font-size:13px;background:#fff}.article{padding:54px 0 74px}.article section{padding:34px 0;border-bottom:1px solid var(--line)}.article h2{font-size:clamp(28px,3.4vw,42px);line-height:1.12;letter-spacing:-.02em;margin:0 0 18px}.article h3{font-size:22px;margin:0 0 10px}.article p{font-size:17px;max-width:900px}.callout{padding:20px 22px;border-radius:14px;margin:20px 0;max-width:920px}.callout.neutral{background:var(--sand);border:1px solid #ead7b8}.grid-list{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:26px 0}.grid-list>div{display:flex;gap:14px;padding:18px;background:white;border:1px solid var(--line);border-radius:14px;min-height:114px}.grid-list b{font-size:13px;color:var(--accent);letter-spacing:.08em}.grid-list span{font-size:15px}.steps{list-style:none;margin:26px 0;padding:0;counter-reset:item}.steps li{counter-increment:item;display:grid;grid-template-columns:48px 1fr;gap:18px;margin:0;padding:22px 0;border-top:1px solid var(--line)}.steps li:before{content:counter(item,decimal-leading-zero);display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:var(--mint);font-weight:800;color:#24685e}.steps p{margin:5px 0 0;font-size:15px}.groups{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:26px 0}.groups>div{padding:24px;border-radius:16px;border:1px solid var(--line);background:white}.groups>div:nth-child(1){background:#edf7f4}.groups>div:nth-child(2){background:#f8f1e5}.groups>div:nth-child(3){background:#f8e9e7}.groups span{display:block;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#536b78}.groups strong{display:block;font-size:22px;margin:5px 0}.groups p{font-size:15px;margin:0}.note{font-size:14px!important;color:var(--muted)}.timeline{margin:24px 0}.timeline>div{display:grid;grid-template-columns:80px 1fr;gap:24px;padding:20px 0;border-top:1px solid var(--line)}.timeline time{font-weight:800;color:var(--accent)}.timeline p{margin:0}.checklist{background:var(--soft);border:1px solid #cfe3df;border-radius:16px;padding:24px 28px;max-width:900px}.checklist ul{columns:2;column-gap:38px;margin:12px 0 0;padding-left:20px}.checklist li{break-inside:avoid;margin:7px 0}.faq details{max-width:900px;background:white;border:1px solid var(--line);border-radius:12px;margin:10px 0;padding:16px 18px}.faq summary{cursor:pointer;font-weight:750}.faq details p{font-size:15px;margin:12px 0 0}.sources{background:#fff}.sources ul{padding-left:20px;max-width:980px}.sources li{margin:9px 0}.updated{font-size:14px!important;color:var(--muted)}.reference-box{margin-top:28px!important;padding:30px!important;border:0!important;border-radius:20px;background:linear-gradient(120deg,#173149,#245a65);color:white;display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center}.reference-box h2{color:white}.reference-box p{color:#d6e7e6;margin-bottom:0}.reference-actions{display:flex;flex-direction:column;gap:10px;min-width:240px}.button{display:block;text-align:center;text-decoration:none;padding:12px 16px;border-radius:10px;font-weight:750}.button.primary{background:white;color:#173149}.button.ghost{border:1px solid rgba(255,255,255,.35);color:white}.editorial-note{border-bottom:0!important}.editorial-note p{font-size:14px;color:var(--muted)}footer{background:#10283b;color:#d5e1e7;padding:32px 0}.footer-grid{display:flex;justify-content:space-between;gap:24px;align-items:flex-start}.footer-grid span{font-size:13px;color:#9eb5c2}.footer-links{display:flex;gap:18px;flex-wrap:wrap}.footer-links a{color:#d9ebe8;font-size:13px}
@media (max-width:860px){.hero-grid,.reference-box{grid-template-columns:1fr}.hero{padding-top:55px}.grid-list,.groups{grid-template-columns:1fr}.factbox dl div{grid-template-columns:110px 1fr}.checklist ul{columns:1}.reference-actions{min-width:0}.footer-grid{flex-direction:column}}
@media (max-width:540px){.wrap{width:min(var(--max),calc(100% - 26px))}.stamp{display:none}.hero h1{font-size:42px}.lead{font-size:18px}.article p{font-size:16px}.timeline>div{grid-template-columns:60px 1fr;gap:14px}}
@media print{.topbar,.quick-nav,.reference-box,footer{display:none}.hero{padding:20px 0;background:white}.article{padding:10px 0}.article section{break-inside:avoid}}

.cycle{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:26px 0}
.cycle>div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;min-height:128px}
.cycle strong{display:block;font-size:18px;margin-bottom:6px;color:var(--ink)}
.cycle span{font-size:14px;color:var(--muted)}
.example-table{border:1px solid var(--line);border-radius:14px;overflow:hidden;margin:24px 0;max-width:980px}
.example-table .row{display:grid;grid-template-columns:1fr 1.25fr 2fr;background:#fff;border-top:1px solid var(--line)}
.example-table .row:first-child{border-top:0}
.example-table .row>div{padding:14px 16px;border-left:1px solid var(--line);font-size:14px}
.example-table .row>div:first-child{border-left:0}
.example-table .head{background:var(--soft);font-weight:800}
@media (max-width:860px){.cycle{grid-template-columns:1fr 1fr}.example-table .row{grid-template-columns:1fr}.example-table .row>div{border-left:0;border-top:1px solid var(--line)}.example-table .row>div:first-child{border-top:0}}
@media (max-width:540px){.cycle{grid-template-columns:1fr}}