
:root{--ink:#14212a;--muted:#60717d;--accent:#14728b;--accent2:#0e566a;--soft:#eef8f9;--line:#dce7ea;--white:#fff;--max:1180px;--side:280px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);line-height:1.68;background:#fff}a{color:var(--accent)}.top{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.nav{max-width:var(--max);margin:auto;padding:14px 22px;display:flex;align-items:center;gap:26px}.brand{font-size:25px;font-weight:900;letter-spacing:-1.2px;text-decoration:none;color:var(--ink);white-space:nowrap}.brand span{color:var(--accent)}.links{display:flex;gap:20px;align-items:center;margin-left:auto}.links a{text-decoration:none;color:var(--ink);font-weight:700;font-size:14px}.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--ink);color:#fff!important;text-decoration:none!important;padding:12px 17px;border-radius:10px;font-weight:850;line-height:1.2}.btn.accent{background:var(--accent)}.btn.outline{background:#fff;color:var(--ink)!important;border:1px solid var(--line)}.header-cta{font-size:13px;padding:11px 14px}.wrap{max-width:var(--max);margin:auto;padding:0 22px}.hero{padding:78px 0 60px;max-width:850px}.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:.11em;color:var(--accent);font-weight:900}.hero h1,.article h1{font-size:clamp(40px,6vw,68px);line-height:1.03;letter-spacing:-.045em;margin:13px 0 20px}.hero p,.lead{font-size:20px;color:var(--muted);max-width:790px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.layout{display:grid;grid-template-columns:minmax(0,1fr) var(--side);gap:46px;align-items:start}.article{padding:48px 0;min-width:0}.crumb{font-size:13px;color:var(--muted);margin-bottom:12px}.article h2{font-size:31px;line-height:1.18;letter-spacing:-.025em;margin:48px 0 12px}.article h3{font-size:21px;margin-top:30px}.article p,.article li{font-size:17px}.article li{margin:8px 0}.decision{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:26px 0}.box,.card{border:1px solid var(--line);border-radius:16px;padding:21px;background:#fff}.box h3,.card h3{margin:0 0 7px}.note{background:#f7fafb;border-left:4px solid var(--accent);padding:16px 18px;margin:28px 0}.moneybox{background:var(--soft);border:1px solid #c6e3e8;border-radius:17px;padding:24px;margin:30px 0}.moneybox strong{font-size:21px}.moneybox p{margin:6px 0 15px}.moneybox small{display:block;color:var(--muted);margin-top:11px}.sidebar{position:sticky;top:86px;padding-top:48px}.sidebox{border:1px solid var(--line);border-radius:17px;padding:20px;margin-bottom:16px}.sidebox.offer{background:var(--soft);border-color:#c6e3e8}.sidebox h3{margin:0 0 7px;font-size:18px}.sidebox p{font-size:14px;color:var(--muted);margin:7px 0 14px}.sidebox .btn{width:100%}.sidebox small{display:block;color:var(--muted);font-size:11px;margin-top:9px}.toc a{display:block;text-decoration:none;color:var(--muted);padding:5px 0;font-size:14px}.section{padding:42px 0}.section h2{font-size:34px;letter-spacing:-.025em}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{text-decoration:none;color:var(--ink);transition:.15s}.card:hover{transform:translateY(-2px);border-color:#9cc5ce}.card p{color:var(--muted);font-size:15px}.card span{font-weight:850;color:var(--accent)}.disclosure{font-size:12px;color:var(--muted)}footer{margin-top:65px;border-top:1px solid var(--line);background:#fafcfc}.foot{max-width:var(--max);margin:auto;padding:34px 22px;display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px;color:var(--muted);font-size:14px}.foot strong{color:var(--ink)}.foot a{display:block;color:var(--muted);margin:4px 0}.mobile-offer{display:none}@media(max-width:900px){.layout{grid-template-columns:1fr}.sidebar{display:none}.grid{grid-template-columns:1fr 1fr}.links a:not(.header-cta){display:none}.mobile-offer{display:block;position:fixed;bottom:12px;left:12px;right:12px;z-index:9;box-shadow:0 5px 25px rgba(0,0,0,.18)}body{padding-bottom:64px}}@media(max-width:620px){.grid,.decision{grid-template-columns:1fr}.hero{padding:55px 0 40px}.nav{padding:12px 16px}.wrap{padding:0 18px}.header-cta{display:none!important}.hero h1,.article h1{font-size:42px}.foot{grid-template-columns:1fr}.article{padding-top:32px}}
