:root{--navy:#0b3f73;--navy2:#082d52;--green:#1fb57a;--green2:#16a06a;--mint:#e9f8f1;--ink:#1b2430;--muted:#5d6b7a;--line:#e3e9ef;--bg:#eef5fb;--card:#fff;--radius:14px;--shadow:0 6px 24px rgba(11,63,115,.08)}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
a{color:var(--navy);text-decoration:none}
a:hover{color:var(--green2)}
img,svg{display:block;max-width:100%}
.wrap{width:min(1200px,100% - 32px);margin-inline:auto}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:8px;z-index:99}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--green);outline-offset:2px}

/* Header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hdr{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;color:var(--navy);text-decoration:none}
.logo .mk{color:var(--navy);flex:none}
.logo-img{height:40px;width:auto;max-width:100%}
.site-footer .logo-img{height:36px}
@media (max-width:600px){.hdr .logo-img{height:30px}}
.logo .word{display:flex;flex-direction:column;align-items:center;border-left:3px solid var(--green);padding-left:10px;font-weight:800;font-size:1.55rem;line-height:1;letter-spacing:-.02em;color:var(--navy)}
.logo .word small{font-size:.62rem;color:var(--green);font-weight:700;letter-spacing:0;margin-top:2px;padding-left:1.6em}
.nav ul{display:flex;gap:26px;list-style:none}
.nav a{font-weight:600;font-size:.95rem;color:var(--ink)}
.nav a:hover,.nav a[aria-current]{color:var(--green2)}
.cta-sm{background:var(--green);color:#fff!important;padding:9px 16px;border-radius:999px;font-weight:700;font-size:.9rem;white-space:nowrap}
.cta-sm:hover{background:var(--green2)}
.menu-btn{display:none;background:none;border:0;width:42px;height:42px;cursor:pointer;border-radius:8px}
.menu-btn span{display:block;width:22px;height:2px;background:var(--navy);margin:5px auto;transition:.2s}

/* Hero */
.hero{background:radial-gradient(500px 260px at 80% 20%,rgba(56,189,248,.28),transparent 70%),linear-gradient(165deg,#041427 0%,var(--navy) 55%,#1d6fa8 100%);color:#fff;position:relative;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center;padding:36px 0 28px}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(31,181,122,.18);color:#8ff0c4;border:1px solid rgba(31,181,122,.45);padding:5px 12px;border-radius:999px;font-size:.82rem;font-weight:700;letter-spacing:.02em}
.hero h1{font-size:clamp(1.9rem,4.4vw,3rem);line-height:1.15;margin:0 0 14px;letter-spacing:-.02em}
.hero h1 span{color:#5fe0a6}
.hero p.lead{color:#d4e2f0;font-size:1.08rem;max-width:560px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:999px;font-weight:700;font-size:1rem}
.btn-g{background:var(--green);color:#fff}
.btn-g:hover{background:#3fd08f;color:#fff}
.btn-o{border:2px solid rgba(255,255,255,.4);color:#fff}
.btn-o:hover{border-color:#fff;color:#fff}
.stats{display:flex;gap:28px;margin-top:34px;flex-wrap:wrap}
.stats div{font-size:.85rem;color:#b9cde0}
.stats strong{display:block;font-size:1.5rem;color:#fff}
.hero-art{width:100%;height:auto}

/* Section heads */
.section{padding:64px 0}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:16px;margin-bottom:28px;flex-wrap:wrap}
.sec-head h2{font-size:clamp(1.45rem,2.6vw,2rem);color:var(--navy2);letter-spacing:-.01em}
.sec-head p{color:var(--muted);max-width:620px}
.eyebrow{color:var(--green2);font-weight:800;font-size:.8rem;text-transform:uppercase;letter-spacing:.1em}

/* Post grid (same layout as screenshot) */
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.post{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px 26px 28px;display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s;border:1px solid transparent}
.post:hover{transform:translateY(-4px);box-shadow:0 14px 34px rgba(11,63,115,.14);border-color:#d5efe3}
.post h3{font-size:1.16rem;line-height:1.35;font-weight:600;color:var(--ink)}
.post h3 a{color:inherit;display:block;padding:2px 0}
.post h3 a:hover{color:var(--navy)}
.meta{font-size:.8rem;color:var(--muted);margin:6px 0 12px}
.meta a{color:var(--navy);text-decoration:underline}
.tag{display:inline-block;font-size:.7rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--green2);background:var(--mint);padding:3px 9px;border-radius:999px;margin-bottom:10px;align-self:flex-start}
.thumb{border-radius:10px;overflow:hidden;aspect-ratio:1200/630;margin-bottom:14px}
.thumb img{width:100%;height:100%;object-fit:cover;transition:transform .35s}
.post:hover .thumb img{transform:scale(1.04)}
.post p{color:#3d4a58;font-size:.95rem;flex:1}
.more{margin-top:14px;font-weight:700;color:var(--green2);display:inline-flex;align-items:center;gap:6px;font-size:.93rem}
.more:hover{gap:10px}

/* Pagination */
.pager{display:flex;align-items:center;gap:8px;margin-top:36px;flex-wrap:wrap}
.pager a,.pager span{min-width:42px;height:42px;display:inline-grid;place-items:center;padding:0 14px;border-radius:10px;background:#fff;border:1px solid var(--line);font-weight:600;color:var(--ink)}
.pager .cur{background:var(--navy);color:#fff;border-color:var(--navy)}
.pager a:hover{border-color:var(--green);color:var(--green2)}
.pager .dots{background:none;border:0}

/* Info / content sections */
.white{background:#fff}
.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.prose h2{font-size:clamp(1.4rem,2.4vw,1.85rem);color:var(--navy2);margin-bottom:14px}
.prose h3{font-size:1.15rem;color:var(--navy);margin:22px 0 8px}
.prose p{color:#3d4a58;margin-bottom:12px}
.prose ul{padding-left:20px;color:#3d4a58}
.prose li{margin-bottom:6px}
.prose li::marker{color:var(--green)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
.step{background:#fff;border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);position:relative}
.step::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:linear-gradient(135deg,var(--green),#3fd08f);color:#fff;font-weight:800;margin-bottom:14px}
.step h3{font-size:1.05rem;color:var(--navy2);margin-bottom:6px}
.step p{font-size:.93rem;color:var(--muted)}
.table-wrap{overflow-x:auto;border-radius:var(--radius);box-shadow:var(--shadow);background:#fff}
table{width:100%;border-collapse:collapse;min-width:560px;font-size:.95rem}
th,td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line)}
thead th{background:var(--navy);color:#fff;font-weight:700}
tbody tr:nth-child(even){background:#f2f7fc}
td:first-child{font-weight:600;color:var(--navy2)}
.checks{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.check{background:#fff;border-radius:var(--radius);padding:22px;border-left:4px solid var(--green);box-shadow:var(--shadow)}
.check h3{font-size:1.02rem;color:var(--navy2);margin-bottom:6px}
.check p{font-size:.92rem;color:var(--muted)}

/* FAQ */
.faq{max-width:860px;margin-inline:auto}
.faq details{background:#fff;border-radius:12px;margin-bottom:12px;box-shadow:var(--shadow);border:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:18px 54px 18px 20px;font-weight:700;color:var(--navy2);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;background:var(--mint);color:var(--green2);display:grid;place-items:center;font-size:1.2rem}
.faq details[open] summary::after{content:"–"}
.faq details p{padding:0 20px 18px;color:#3d4a58}
.faq h3{font-size:inherit;display:inline}

/* CTA band */
.band{background:linear-gradient(120deg,var(--green) 0%,#3fd08f 100%);color:#fff;border-radius:20px;padding:40px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.band h2{font-size:clamp(1.3rem,2.4vw,1.8rem)}
.band p{color:#e4fff3}
.band .btn{background:#fff;color:var(--navy2)}
.band .btn:hover{background:var(--navy2);color:#fff}


/* Long-form guide */
.read-progress{position:fixed;top:0;left:0;right:0;height:4px;z-index:70;pointer-events:none}
.read-progress span{display:block;height:100%;width:0;background:linear-gradient(90deg,#1fb57a,#5fe0a6,#38bdf8);box-shadow:0 0 12px rgba(31,181,122,.6);transition:width .1s}
.guide{padding:80px 0;background:radial-gradient(900px 500px at 100% 20%,rgba(31,181,122,.08),transparent 60%),radial-gradient(700px 500px at 0% 70%,rgba(11,63,115,.07),transparent 60%),#eef5fb}
.guide-hero{position:relative;overflow:hidden;border-radius:28px;background:linear-gradient(135deg,#041427 0%,#0b3f73 55%,#1d6fa8 100%);color:#fff;padding:64px 56px;margin-bottom:56px;box-shadow:0 30px 60px -20px rgba(8,45,82,.45)}
.guide-hero::after{content:"";position:absolute;width:420px;height:420px;right:-120px;top:-160px;border-radius:50%;background:radial-gradient(circle,rgba(31,181,122,.45),transparent 65%);filter:blur(10px)}
.gh-bg{position:absolute;inset:0;width:100%;height:100%}
.gh-inner{position:relative;z-index:1;max-width:860px}
.gh-pill{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);backdrop-filter:blur(6px);padding:7px 14px;border-radius:999px;font-size:.78rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#8ff0c4}
.guide-hero h2{font-size:clamp(1.9rem,4.4vw,3.2rem);line-height:1.1;letter-spacing:-.03em;margin:18px 0 16px;font-weight:800}
.guide-hero h2 span{background:linear-gradient(90deg,#5fe0a6,#38bdf8);-webkit-background-clip:text;background-clip:text;color:transparent}
.guide-intro{color:#c9d9ea;font-size:1.1rem;max-width:720px}
.gh-stats{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:30px 0 26px;max-width:760px}
.gh-stats li{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:14px 16px;backdrop-filter:blur(6px)}
.gh-stats strong{display:block;font-size:1.45rem;line-height:1.1;color:#fff}
.gh-stats span{font-size:.8rem;color:#a9c0d6}
.byline{display:flex;flex-wrap:wrap;align-items:center;gap:10px;font-size:.9rem;color:#b9cde0}
.byline strong{color:#fff}
.byline .avatar{width:40px;height:40px;border-radius:12px;background:transparent;display:grid;place-items:center;color:var(--navy)}
.byline .sep{color:rgba(255,255,255,.3)}
.gh-cta{margin-left:auto;background:#1fb57a;color:#fff!important;font-weight:700;padding:10px 18px;border-radius:999px;box-shadow:0 8px 20px -6px rgba(31,181,122,.7);transition:transform .2s}
.gh-cta:hover{transform:translateY(-2px)}
.guide-grid{display:grid;grid-template-columns:270px minmax(0,1fr);gap:44px;align-items:start}
.toc{position:sticky;top:92px;overflow:hidden;border-radius:24px;padding:22px 16px 18px;color:#fff;background:linear-gradient(165deg,#041427 0%,#0b3f73 58%,#1d6fa8 100%);box-shadow:0 24px 48px -20px rgba(8,45,82,.6)}
.toc::before{content:"";position:absolute;width:240px;height:240px;right:-110px;top:-110px;border-radius:50%;background:radial-gradient(circle,rgba(63,208,143,.4),transparent 65%)}
.toc::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:22px 22px;pointer-events:none}
.toc>*{position:relative;z-index:1}
.toc-head{display:flex;align-items:center;gap:14px;padding:0 6px 16px;margin-bottom:10px;border-bottom:1px solid rgba(255,255,255,.12)}
.ring{position:relative;width:56px;height:56px;flex:none}
.ring svg{width:56px;height:56px}
.ring circle{transition:stroke-dashoffset .2s}
.ring span{position:absolute;inset:0;display:grid;place-items:center;font-size:.78rem;font-weight:800;color:#fff}
.toc .toc-title{font-weight:800;font-size:.95rem;letter-spacing:.02em;text-transform:none;color:#fff;margin:0}
.toc-sub{font-size:.76rem;color:#9fb6cc;margin:2px 0 0}
.toc ol{list-style:none;counter-reset:t;position:relative}
.toc ol::before{content:"";position:absolute;left:21px;top:14px;bottom:14px;width:2px;background:linear-gradient(rgba(255,255,255,.14),rgba(255,255,255,.04))}
.toc li{counter-increment:t;position:relative}
.toc ol a{display:flex;align-items:center;gap:12px;padding:7px 8px;border-radius:12px;font-size:.88rem;color:#c9d9ea;line-height:1.3;transition:background .2s,color .2s,transform .2s}
.toc ol a::before{content:counter(t,decimal-leading-zero);flex:none;display:grid;place-items:center;width:28px;height:28px;border-radius:9px;background:#0d335c;border:1px solid rgba(255,255,255,.14);color:#9fb6cc;font-weight:800;font-size:.7rem;transition:all .25s}
.toc ol a:hover{background:rgba(255,255,255,.07);color:#fff;transform:translateX(3px)}
.toc ol a.done{color:#8fb0cc}
.toc ol a.done::before{content:"✓";background:rgba(63,208,143,.18);border-color:rgba(63,208,143,.55);color:#5fe0a6;font-size:.8rem}
.toc ol a.active{background:linear-gradient(90deg,rgba(63,208,143,.28),rgba(56,189,248,.08));color:#fff;font-weight:700;box-shadow:inset 0 0 0 1px rgba(95,224,166,.35)}
.toc ol a.active::before{background:linear-gradient(135deg,#3fd08f,#1fb57a);border-color:transparent;color:#fff;box-shadow:0 0 0 4px rgba(63,208,143,.22),0 6px 14px -4px rgba(31,181,122,.8)}
.toc-cta{margin-top:16px;border-radius:18px;padding:16px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);backdrop-filter:blur(6px);color:#c9d9ea;font-size:.85rem}
.toc-cta strong{display:block;color:#fff;font-size:1rem;margin-bottom:2px}
.toc-cta a::before{content:none!important}
.toc-cta a{display:inline-block;margin-top:10px;background:#ffe08a;color:#082d52;font-weight:800;padding:9px 16px;border-radius:999px;font-size:.85rem;box-shadow:0 8px 18px -8px rgba(255,224,138,.8);transition:transform .2s}
.toc-cta a:hover{transform:translateY(-2px);color:#082d52}
.article{font-size:1.04rem;counter-reset:sec}
.article>section{position:relative;background:#fff;border:1px solid var(--line);border-radius:22px;padding:36px 38px;margin-bottom:24px;scroll-margin-top:92px;box-shadow:0 10px 30px -18px rgba(11,63,115,.25);transition:box-shadow .3s,transform .3s}
.article>section:hover{box-shadow:0 18px 40px -18px rgba(11,63,115,.3)}
.article>section:not(.final){counter-increment:sec}
.article>section:not(.final)>h2::before{content:counter(sec,decimal-leading-zero);display:inline-grid;place-items:center;flex:none;width:46px;height:46px;border-radius:14px;background:linear-gradient(135deg,#1fb57a,#3fd08f);color:#fff;font-size:1rem;font-weight:800;box-shadow:0 8px 18px -6px rgba(31,181,122,.6)}
.article h2{display:flex;align-items:center;gap:14px;font-size:clamp(1.35rem,2.5vw,1.8rem);color:var(--navy2);line-height:1.25;margin-bottom:16px;letter-spacing:-.015em}
.article h3{font-size:1.15rem;color:var(--navy);margin:24px 0 8px}
.article p{color:#36434f;margin-bottom:14px}
.article ul{padding-left:20px;color:#36434f}
.article li{margin-bottom:8px}
.article li::marker{color:var(--green)}
.article .table-wrap{margin:18px 0;border:1px solid var(--line);box-shadow:none}
.takeaways{position:relative;overflow:hidden;background:linear-gradient(135deg,#ecfbf4,#e9f3fd);border:1px solid #cdeee0;border-radius:22px;padding:28px 30px;margin-bottom:24px}
.takeaways::before{content:"";position:absolute;right:-60px;top:-60px;width:200px;height:200px;border-radius:50%;background:radial-gradient(circle,rgba(31,181,122,.25),transparent 70%)}
.takeaways h3{display:flex;align-items:center;gap:8px;color:var(--green2);margin:0 0 14px;font-size:.95rem;text-transform:uppercase;letter-spacing:.08em}
.takeaways ul{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:12px;position:relative}
.takeaways li{background:#fff;border-radius:14px;padding:14px 16px 14px 46px;position:relative;color:#36434f;font-size:.95rem;margin:0;box-shadow:0 4px 14px -8px rgba(11,63,115,.25)}
.takeaways li::before{content:"✓";position:absolute;left:14px;top:14px;width:22px;height:22px;border-radius:50%;background:#1fb57a;color:#fff;font-size:.75rem;font-weight:800;display:grid;place-items:center}
.takeaways strong{color:var(--navy2)}
.figure{margin:24px 0 0;background:linear-gradient(180deg,#f2f7fc,#fff);border-radius:18px;padding:20px;border:1px dashed #cfe0ec}
.figure img{width:100%;height:auto}
.figure figcaption{font-size:.85rem;color:var(--muted);text-align:center;margin-top:8px}
.callout{position:relative;border-radius:16px;padding:18px 20px 18px 58px;margin:20px 0;font-size:.97rem;line-height:1.6}
.callout::before{position:absolute;left:18px;top:17px;width:28px;height:28px;border-radius:9px;display:grid;place-items:center;font-weight:900;color:#fff}
.callout.tip{background:linear-gradient(135deg,#ecfbf4,#f3fbff);border:1px solid #c6ecd9;color:#1d4a38}
.callout.tip::before{content:"i";background:#1fb57a}
.callout.warn{background:linear-gradient(135deg,#fff4f0,#fffaf3);border:1px solid #f7d2c4;color:#6b2a19}
.callout.warn::before{content:"!";background:#ef6b4a}
.types{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:18px}
.type{position:relative;background:#fff;border-radius:18px;padding:22px;border:1px solid var(--line);transition:transform .25s,box-shadow .25s,border-color .25s;overflow:hidden}
.type::after{content:"";position:absolute;inset:auto 0 0 0;height:3px;background:linear-gradient(90deg,#1fb57a,#38bdf8);transform:scaleX(0);transform-origin:left;transition:transform .3s}
.type:hover{transform:translateY(-4px);box-shadow:0 16px 30px -16px rgba(11,63,115,.35);border-color:#d5efe3}
.type:hover::after{transform:scaleX(1)}
.ticon{display:grid;place-items:center;width:48px;height:48px;border-radius:14px;background:linear-gradient(135deg,var(--mint),#e4f0fb);color:var(--green2);margin-bottom:14px}
.type h3{margin:0 0 6px;font-size:1.04rem;color:var(--navy2)}
.type p{font-size:.92rem;margin:0;color:var(--muted)}
.steps-list{list-style:none;counter-reset:st;margin-top:20px}
.steps-list li{counter-increment:st;position:relative;padding:18px 20px 18px 82px;margin-bottom:14px;background:#f2f7fc;border:1px solid var(--line);border-radius:16px;transition:background .2s,border-color .2s}
.steps-list li:hover{background:#fff;border-color:#bfe8d5}
.steps-list li::before{content:counter(st);position:absolute;left:18px;top:18px;width:46px;height:46px;border-radius:14px;background:linear-gradient(135deg,#0b3f73,#1d6fa8);color:#fff;font-weight:800;font-size:1.1rem;display:grid;place-items:center}
.steps-list li:not(:last-child)::after{content:"";position:absolute;left:40px;top:66px;height:30px;width:2px;background:linear-gradient(#1d6fa8,transparent)}
.steps-list h3{margin:2px 0 4px}
.steps-list p{margin:0;font-size:.96rem}
.proscons{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:10px}
.pros,.cons{border-radius:18px;padding:24px}
.pros{background:linear-gradient(160deg,#ecfbf4,#fff);border:1px solid #c6ecd9}
.cons{background:linear-gradient(160deg,#fff3ef,#fff);border:1px solid #f7d8cd}
.pros h3,.cons h3{margin:0 0 12px;display:flex;align-items:center;gap:10px}
.pros h3::before,.cons h3::before{width:30px;height:30px;border-radius:10px;display:grid;place-items:center;color:#fff;font-size:.9rem}
.pros h3::before{content:"+";background:#1fb57a}.cons h3::before{content:"–";background:#ef6b4a}
.pros h3{color:var(--green2)}.cons h3{color:#c4502f}
.pros ul,.cons ul{list-style:none;padding:0}
.pros li,.cons li{padding-left:28px;position:relative}
.pros li::before{content:"✓";position:absolute;left:0;color:var(--green2);font-weight:800}
.cons li::before{content:"✕";position:absolute;left:0;color:#d4573a;font-weight:800}
.article .checks{grid-template-columns:repeat(3,1fr);gap:14px;margin-top:18px}
.article .check{border-left:0;border:1px solid var(--line);border-top:4px solid var(--green);border-radius:16px;box-shadow:none;padding:20px;transition:transform .25s,box-shadow .25s}
.article .check:hover{transform:translateY(-3px);box-shadow:0 14px 28px -16px rgba(11,63,115,.35)}
.article .check h3{margin:0 0 6px}
.article .check p{margin:0}
.sgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}
.scard{background:#f2f7fc;border:1px solid var(--line);border-radius:16px;padding:20px 20px 18px;position:relative}
.scard h3{margin:0 0 6px;font-size:1.03rem;padding-left:18px;position:relative}
.scard h3::before{content:"";position:absolute;left:0;top:.45em;width:9px;height:9px;border-radius:3px;background:linear-gradient(135deg,#1fb57a,#38bdf8)}
.scard p{margin:0;font-size:.94rem}
.scard:last-child{grid-column:1/-1}
.xlist{list-style:none;padding:0!important;display:grid;grid-template-columns:1fr 1fr;gap:12px;counter-reset:x}
.xlist li{counter-increment:x;background:#fff8f6;border:1px solid #f7dcd2;border-radius:14px;padding:16px 16px 16px 56px;position:relative;margin:0;font-size:.95rem}
.xlist li::before{content:counter(x);position:absolute;left:16px;top:16px;width:28px;height:28px;border-radius:9px;background:#ef6b4a;color:#fff;font-weight:800;font-size:.85rem;display:grid;place-items:center}
.xlist strong{display:block;color:#8a2f17}
.article>.final{background:linear-gradient(135deg,#041427,#0b3f73 60%,#1d6fa8);border:0;color:#fff}
.final h2{color:#fff}
.final p{color:#d4e2f0}
@media (max-width:1024px){.guide-grid{grid-template-columns:minmax(0,1fr)}.toc{position:relative;top:0}.toc ol{columns:2;column-gap:12px}.toc ol::before{display:none}.toc-cta{display:none}.types,.article .checks{grid-template-columns:repeat(2,1fr)}.gh-stats{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.guide{padding:40px 0}.guide-hero{padding:36px 22px;border-radius:22px;margin-bottom:32px}.gh-cta{margin-left:0}.types,.proscons,.article .checks,.sgrid,.xlist,.takeaways ul{grid-template-columns:1fr}.toc ol{columns:1}.article>section{padding:24px 20px;border-radius:18px}.article h2{gap:10px}.article>section:not(.final)>h2::before{width:38px;height:38px;font-size:.9rem;border-radius:11px}.takeaways{padding:22px 18px}.steps-list li{padding-left:72px}.steps-list li::before{left:14px}.steps-list li:not(:last-child)::after{left:36px}.callout{padding-left:54px}}

/* Disclaimer + footer */
.risk{background:#fff8e6;border:1px solid #f3dca0;color:#6b5414;border-radius:12px;padding:16px 20px;font-size:.88rem;margin-top:40px}
.site-footer{background:var(--navy2);color:#b9cde0;padding:52px 0 26px;margin-top:64px}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.site-footer h2,.f-h{font-size:1rem;color:#fff;margin-bottom:12px}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:8px}
.site-footer a{color:#b9cde0;font-size:.93rem}
.site-footer a:hover{color:#5fe0a6}
.site-footer .logo{margin-bottom:14px}
.site-footer .logo .mk,.site-footer .logo .word{color:#fff}
.copy{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;text-align:center;font-size:.86rem}
.copy a{text-decoration:underline}

/* Sticky promo */
.promo{position:fixed;left:50%;bottom:16px;transform:translateX(-50%);background:#fff;border-radius:999px;box-shadow:0 10px 30px rgba(8,45,82,.25);display:flex;align-items:center;gap:14px;padding:8px 8px 8px 20px;z-index:60;width:max-content;max-width:calc(100% - 24px);font-weight:600;font-size:.92rem}
.promo .cta-sm{padding:10px 18px}
.promo button{background:none;border:0;font-size:1.3rem;color:var(--muted);cursor:pointer;width:32px;height:32px;border-radius:50%}
.promo.hide{display:none}


/* Side banners 120x600 */
.sky{display:none;position:absolute;top:0;z-index:40;width:120px}
.sky.fix{position:fixed}
.sky a{display:block;border-radius:12px;overflow:hidden;box-shadow:0 14px 30px -12px rgba(8,45,82,.45);transition:transform .25s,box-shadow .25s}
.sky a:hover{transform:translateY(-3px);box-shadow:0 20px 36px -12px rgba(8,45,82,.55)}
.sky img{display:block;width:120px;height:600px}
.sky-label{display:block;text-align:center;font-size:.62rem;letter-spacing:.12em;text-transform:uppercase;color:#93a3b3;margin-bottom:4px}
.sky-left{left:calc(50% - 600px - 120px - 24px)}
.sky-right{right:calc(50% - 600px - 120px - 24px)}
@media (min-width:1500px) and (max-width:1799px) and (min-height:720px){.sky{display:block}}


/* FAQ full page */
.faq-more{text-align:center;margin-top:26px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.faq-hero{position:relative;overflow:hidden;background:linear-gradient(135deg,#041427 0%,#0b3f73 55%,#1d6fa8 100%);color:#fff;padding:56px 0 64px}
.faq-hero::after{content:"";position:absolute;width:460px;height:460px;right:-140px;top:-180px;border-radius:50%;background:radial-gradient(circle,rgba(31,181,122,.45),transparent 65%)}
.fh-inner{position:relative;z-index:1}
.crumbs{display:flex;gap:8px;font-size:.85rem;color:#9fb6cc;margin-bottom:18px}
.crumbs a{color:#c9d9ea}.crumbs a:hover{color:#5fe0a6}
.faq-hero h1{font-size:clamp(1.9rem,4.4vw,3.1rem);line-height:1.12;letter-spacing:-.03em;margin:16px 0 14px;max-width:900px}
.faq-hero h1 span{background:linear-gradient(90deg,#5fe0a6,#38bdf8);-webkit-background-clip:text;background-clip:text;color:transparent}
.fh-lead{color:#c9d9ea;font-size:1.08rem;max-width:680px}
.fsearch{display:flex;align-items:center;gap:12px;max-width:640px;margin-top:26px;background:#fff;border-radius:999px;padding:6px 8px 6px 20px;color:#5d6b7a;box-shadow:0 20px 40px -18px rgba(0,0,0,.5)}
.fsearch input{flex:1;border:0;outline:0;font:inherit;font-size:1rem;padding:12px 4px;color:#1b2430;background:transparent;min-width:0}
.fh-stats{grid-template-columns:repeat(3,1fr);max-width:560px;margin:26px 0 0}
.faq-page{padding:56px 0 24px;background:radial-gradient(800px 400px at 100% 0,rgba(31,181,122,.07),transparent 60%),#eef5fb}
.fp-grid{display:grid;grid-template-columns:270px minmax(0,1fr);gap:40px;align-items:start}
.fp-side{position:sticky;top:92px;border-radius:24px;padding:22px 16px;color:#fff;background:linear-gradient(165deg,#041427,#0b3f73 58%,#1d6fa8);box-shadow:0 24px 48px -20px rgba(8,45,82,.6)}
.fp-side .toc-title{color:#fff;font-weight:800;font-size:.95rem;padding:0 6px 12px;margin-bottom:8px;border-bottom:1px solid rgba(255,255,255,.12)}
.chips{display:flex;flex-direction:column;gap:6px}
.chip{display:flex;justify-content:space-between;align-items:center;gap:10px;width:100%;text-align:left;font:inherit;font-size:.9rem;color:#c9d9ea;background:transparent;border:1px solid transparent;border-radius:12px;padding:10px 12px;cursor:pointer;transition:all .2s}
.chip em{font-style:normal;font-size:.75rem;font-weight:800;background:rgba(255,255,255,.1);border-radius:99px;padding:2px 8px}
.chip:hover{background:rgba(255,255,255,.07);color:#fff}
.chip.on{background:linear-gradient(90deg,rgba(63,208,143,.28),rgba(56,189,248,.08));border-color:rgba(95,224,166,.4);color:#fff;font-weight:700}
.chip.on em{background:#3fd08f;color:#062a1c}
.fgroup{background:#fff;border:1px solid var(--line);border-radius:22px;padding:30px 30px 18px;margin-bottom:22px;box-shadow:0 10px 30px -18px rgba(11,63,115,.25);scroll-margin-top:92px}
.fg-head{display:flex;align-items:center;gap:14px;margin-bottom:16px}
.fg-head h2{font-size:clamp(1.3rem,2.4vw,1.65rem);color:var(--navy2)}
.gi{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:14px;background:linear-gradient(135deg,#1fb57a,#3fd08f);color:#fff;font-size:.95rem;font-weight:800;box-shadow:0 8px 18px -6px rgba(31,181,122,.6)}
.fgroup details{border:1px solid var(--line);border-radius:14px;margin-bottom:10px;background:#f2f7fc;transition:background .2s,border-color .2s,box-shadow .2s}
.fgroup details[open]{background:#fff;border-color:#bfe8d5;box-shadow:0 10px 24px -14px rgba(11,63,115,.3)}
.fgroup summary{list-style:none;cursor:pointer;padding:16px 56px 16px 18px;position:relative}
.fgroup summary::-webkit-details-marker{display:none}
.fgroup summary h3{display:inline;font-size:1.02rem;color:var(--navy2);font-weight:700}
.fgroup summary::after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);width:28px;height:28px;border-radius:9px;background:var(--mint);color:var(--green2);display:grid;place-items:center;font-size:1.15rem;font-weight:700;transition:transform .25s,background .2s}
.fgroup details[open] summary::after{content:"–";background:#1fb57a;color:#fff}
.ans{padding:0 18px 16px;color:#36434f;border-top:1px dashed #d8e6ef;margin:0 18px;padding:14px 0 16px}
.ans p{margin:0}
.fgroup mark{background:#ffe08a;color:inherit;border-radius:3px;padding:0 2px}
.fp-empty{background:#fff;border:1px dashed #cfe0ec;border-radius:16px;padding:28px;text-align:center;color:var(--muted)}
.faq-page+.wrap .band{margin-top:24px}
@media (max-width:1024px){.fp-grid{grid-template-columns:minmax(0,1fr)}.fp-side{position:relative;top:0}.chips{flex-direction:row;flex-wrap:wrap}.chip{width:auto}.fp-side .toc-cta{display:none}}
@media (max-width:600px){.faq-hero{padding:40px 0 48px}.fh-stats{grid-template-columns:repeat(3,1fr)}.fh-stats li{padding:10px}.fh-stats strong{font-size:1.1rem}.fgroup{padding:22px 16px 10px;border-radius:18px}.fgroup summary{padding:14px 50px 14px 14px}.fsearch{padding-left:14px}}


/* Homepage FAQ – full width */
.faq-full{position:relative;overflow:hidden;padding:84px 0;color:#fff;background:radial-gradient(800px 420px at 85% 0,rgba(31,181,122,.28),transparent 60%),radial-gradient(700px 400px at 0 100%,rgba(56,189,248,.14),transparent 60%),linear-gradient(165deg,#041427,#0b3f73 60%,#1d6fa8)}
.faq-full::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:34px 34px;pointer-events:none}
.faq-full .wrap{position:relative}
.ff-head{text-align:center;max-width:820px;margin:0 auto 44px}
.ff-head h2{font-size:clamp(1.7rem,3.6vw,2.6rem);line-height:1.15;letter-spacing:-.02em;margin:16px 0 12px}
.ff-head h2 span{background:linear-gradient(90deg,#5fe0a6,#38bdf8);-webkit-background-clip:text;background-clip:text;color:transparent}
.ff-head p{color:#c9d9ea;font-size:1.06rem}
.ff-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start}
.fq{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:18px;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);transition:background .25s,border-color .25s,box-shadow .25s,transform .25s}
.fq:hover{background:rgba(255,255,255,.1);transform:translateY(-2px)}
.fq[open]{background:#fff;border-color:#fff;box-shadow:0 22px 44px -20px rgba(0,0,0,.55)}
.fq summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:14px;padding:18px 58px 18px 18px;position:relative}
.fq summary::-webkit-details-marker{display:none}
.fq-n{flex:none;display:grid;place-items:center;width:38px;height:38px;border-radius:12px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);font-weight:800;font-size:.82rem;color:#8ff0c4;transition:all .25s}
.fq[open] .fq-n{background:linear-gradient(135deg,#1fb57a,#3fd08f);border-color:transparent;color:#fff;box-shadow:0 8px 16px -6px rgba(31,181,122,.7)}
.fq h3{font-size:1.02rem;line-height:1.4;font-weight:700;color:#fff;margin:0;transition:color .25s}
.fq[open] h3{color:var(--navy2)}
.fq summary::after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);width:30px;height:30px;border-radius:50%;display:grid;place-items:center;font-size:1.2rem;font-weight:700;background:rgba(255,255,255,.12);color:#fff;transition:all .25s}
.fq[open] summary::after{content:"–";background:var(--mint);color:var(--green2)}
.fq-a{padding:0 22px 20px 70px}
.fq-a p{color:#3d4a58;margin:0;line-height:1.65}
.ff-foot{display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;margin-top:34px;padding:20px 22px;border-radius:20px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14)}
.ff-help{display:flex;align-items:center;gap:14px}
.ff-ico{display:grid;place-items:center;width:46px;height:46px;border-radius:14px;background:linear-gradient(135deg,#ffe08a,#f7c948);color:#082d52;font-weight:900;font-size:1.3rem;flex:none}
.ff-help strong{display:block;color:#fff}
.ff-help span{font-size:.9rem;color:#b9cde0}
.ff-help .ff-ico{color:#082d52;font-size:1.3rem}
.ff-btn{background:#ffe08a;color:#082d52!important;font-weight:800;padding:13px 24px;border-radius:999px;white-space:nowrap;box-shadow:0 10px 22px -10px rgba(255,224,138,.9);transition:transform .2s}
.ff-btn:hover{transform:translateY(-2px)}
.faq-full+.wrap .band{margin-top:64px}
@media (max-width:820px){.ff-grid{grid-template-columns:1fr}}
@media (max-width:600px){.faq-full{padding:56px 0}.fq summary{padding:15px 52px 15px 14px;gap:12px}.fq-n{width:34px;height:34px}.fq-a{padding:0 16px 18px 16px}.ff-foot{padding:18px}.ff-btn{width:100%;text-align:center}}

#latest{padding-bottom:28px}
#guide{padding-top:28px}
@media (max-width:600px){#latest{padding-bottom:20px}#guide{padding-top:20px}}

/* Responsive v3 */
@media (max-width:480px){.tb-lbl,.tb-full{display:none}.tb-in{flex-wrap:nowrap;gap:10px;font-size:.8rem;min-height:34px;padding:0}.tb-in p{white-space:nowrap}}
@media (max-height:500px) and (orientation:landscape){.topbar{display:none}}
/* Tap targets */
.meta a,.tb-in a,.crumbs a,.copy a{display:inline-block;padding:5px 2px;margin:-5px 0}

/* Full-height page skins */
.skin{display:none}
@media (min-width:1800px){
 body{background:#041427}
 .skin{display:block;position:fixed;top:114px;bottom:0;z-index:0;width:calc((100vw - 1232px)/2);background-color:#e9f3fa;background-repeat:no-repeat;background-size:max(380px,100%) auto;transition:filter .3s}
 .skin:hover{filter:brightness(1.08)}
 .skin-l{left:0;background-position:center top}
 .skin-r{right:0;background-position:center top}
 main,.site-footer{position:relative;z-index:1;max-width:1232px;margin-inline:auto;box-shadow:0 0 40px rgba(0,0,0,.35)}
 main{background:#eef5fb}
 .site-header{z-index:50}
 .promo{z-index:60}
}

/* Responsive */
@media (max-width:1024px){
 .grid{grid-template-columns:repeat(2,1fr)}
 .steps{grid-template-columns:repeat(2,1fr)}
 .checks{grid-template-columns:repeat(2,1fr)}
 .fgrid{grid-template-columns:1fr 1fr}
 .hero .wrap{grid-template-columns:1.2fr .8fr;gap:24px}
}
@media (max-width:820px){
 .menu-btn{display:block}
 .nav{position:absolute;top:68px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);display:none;box-shadow:0 12px 24px rgba(0,0,0,.06)}
 .nav.open{display:block}
 .nav ul{flex-direction:column;gap:0;padding:8px 16px 16px}
 .nav li a{display:block;padding:12px 4px;border-bottom:1px solid var(--line)}
 .hdr .cta-sm{display:none}
 .two{grid-template-columns:1fr}
}
@media (max-width:600px){
 .grid,.steps,.checks,.fgrid{grid-template-columns:1fr}
 .section{padding:44px 0}
 .hero .wrap{padding:28px 0 32px}
 .post{padding:20px}
 .band{padding:28px}
 .promo{font-size:.82rem;padding-left:14px;gap:8px}
 .promo .txt{display:none}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* ===== Header v2 ===== */
.topbar{background:linear-gradient(90deg,#041427,#0b3f73 50%,#1d6fa8);color:#c9d9ea;font-size:.84rem}
.tb-in{display:flex;justify-content:center;align-items:center;gap:14px;min-height:38px;flex-wrap:wrap;text-align:center}
.tb-in p{display:flex;align-items:center;gap:8px}
.tb-in strong{color:#fff}
.tb-in a{color:#ffe08a;font-weight:700}
.tb-in a:hover{color:#fff}
.live-dot{width:8px;height:8px;border-radius:50%;background:#3fd08f;box-shadow:0 0 0 0 rgba(63,208,143,.7);animation:pulse 1.8s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(63,208,143,.7)}70%{box-shadow:0 0 0 9px rgba(63,208,143,0)}100%{box-shadow:0 0 0 0 rgba(63,208,143,0)}}
.site-header{background:rgba(255,255,255,.86);-webkit-backdrop-filter:saturate(180%) blur(14px);backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid rgba(11,63,115,.08);transition:box-shadow .3s,background .3s}
.site-header.scrolled{background:rgba(255,255,255,.96);box-shadow:0 10px 30px -14px rgba(8,45,82,.28)}
.hdr{height:76px;transition:height .3s}
.site-header.scrolled .hdr{height:64px}
.nav{display:flex;align-items:center}
.nav ul{gap:4px;background:#eaf2fa;border:1px solid #e3ebf2;padding:5px;border-radius:999px}
.nav ul a{display:block;padding:8px 16px;border-radius:999px;font-weight:600;font-size:.92rem;color:#2b3a4a;transition:background .2s,color .2s,box-shadow .2s}
.nav ul a:hover{color:var(--navy);background:#fff;box-shadow:0 4px 12px -6px rgba(11,63,115,.3)}
.nav ul a[aria-current]{background:linear-gradient(135deg,#0b3f73,#1d6fa8);color:#fff;box-shadow:0 6px 14px -6px rgba(11,63,115,.6)}
.nav-cta{display:none}
.hdr-actions{display:flex;align-items:center;gap:10px}
.cta-sm{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,#1fb57a,#3fd08f);padding:11px 20px;box-shadow:0 10px 20px -10px rgba(31,181,122,.9);transition:transform .2s,box-shadow .2s}
.cta-sm:hover{background:linear-gradient(135deg,#3fd08f,#4fdc9c);transform:translateY(-2px);box-shadow:0 14px 24px -10px rgba(31,181,122,.9)}
.pulse{width:8px;height:8px;border-radius:50%;background:#fff;animation:pulse 1.8s infinite}
.menu-btn{width:46px;height:46px;border-radius:14px;background:#eaf2fa;border:1px solid #e3ebf2}
.menu-btn span{transition:transform .25s,opacity .2s}
.menu-btn[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.menu-btn[aria-expanded="true"] span:nth-child(2){opacity:0}
.menu-btn[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media (max-width:1100px){.nav ul a{padding:8px 11px;font-size:.88rem}}
@media (max-width:960px){
 .menu-btn{display:block}
 .nav{position:absolute;top:100%;left:12px;right:12px;display:none;flex-direction:column;align-items:stretch;gap:12px;padding:14px;border-radius:22px;background:linear-gradient(165deg,#041427,#0b3f73 60%,#1d6fa8);box-shadow:0 24px 48px -16px rgba(8,45,82,.6);border:0}
 .nav.open{display:flex;animation:drop .25s ease}
 @keyframes drop{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:none}}
 .nav ul{flex-direction:column;gap:4px;background:none;border:0;padding:0}
 .nav ul a,.nav li a{color:#e3edf7;padding:13px 16px;border-radius:14px;border-bottom:0;font-size:1rem}
 .nav ul a:hover{background:rgba(255,255,255,.08);color:#fff;box-shadow:none}
 .nav ul a[aria-current]{background:linear-gradient(90deg,rgba(63,208,143,.3),rgba(56,189,248,.08));box-shadow:inset 0 0 0 1px rgba(95,224,166,.35)}
 .nav-cta{display:block;text-align:center;background:#ffe08a;color:#082d52;font-weight:800;padding:14px;border-radius:14px}
 .hdr .cta-sm{display:none}
}
@media (max-width:600px){.tb-in{font-size:.78rem;gap:8px;padding:6px 0}.hdr{height:66px}.site-header.scrolled .hdr{height:60px}}
/* ===== Footer v2 ===== */
.site-footer{position:relative;overflow:hidden;background:radial-gradient(700px 400px at 90% 0,rgba(31,181,122,.22),transparent 60%),radial-gradient(600px 400px at 0% 100%,rgba(56,189,248,.12),transparent 60%),linear-gradient(170deg,#041427,#082d52 60%,#123f66);color:#a9c0d6;padding:56px 0 26px;margin-top:0;overflow:visible}
.site-footer::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:32px 32px;pointer-events:none}
.site-footer .wrap{position:relative}
.f-cta{position:relative;z-index:2;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;margin-top:0;background:linear-gradient(120deg,#1fb57a,#3fd08f 55%,#1d6fa8);border-radius:22px;padding:26px 32px;box-shadow:0 24px 48px -20px rgba(8,45,82,.7);margin-bottom:48px}
.f-cta h2{color:#fff;font-size:clamp(1.15rem,2.2vw,1.5rem);margin:0}
.f-cta p{color:#e4fff3;font-size:.95rem}
.f-cta a{background:#fff;color:#082d52!important;font-weight:800;padding:13px 24px;border-radius:999px;white-space:nowrap;transition:transform .2s}
.f-cta a:hover{transform:translateY(-2px)}
.fgrid{grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px}
.f-brand p{font-size:.93rem;margin:14px 0 16px;max-width:340px}
.badges{list-style:none;display:flex;flex-wrap:wrap;gap:8px}
.badges li{display:inline-flex;align-items:center;gap:6px;font-size:.78rem;color:#cfe2f2;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);padding:6px 12px;border-radius:999px;margin:0}
.badges svg{color:#5fe0a6}
.site-footer h2,.f-h{font-size:.95rem;color:#fff;margin-bottom:16px;padding-bottom:10px;position:relative;letter-spacing:.02em}
.site-footer h2::after,.f-h::after{content:"";position:absolute;left:0;bottom:0;width:32px;height:3px;border-radius:3px;background:linear-gradient(90deg,#3fd08f,#38bdf8)}
.f-cta h2::after{display:none}
.site-footer .f-cta-t{color:#fff;font-weight:800;margin:0 0 4px;padding:0;font-size:clamp(1.15rem,2.2vw,1.5rem)}
.flinks a{display:inline-flex;align-items:center;gap:0;color:#a9c0d6;font-size:.93rem;transition:color .2s,gap .2s}
.flinks a::before{content:"›";color:#3fd08f;font-weight:800;width:0;overflow:hidden;opacity:0;transition:width .2s,opacity .2s,margin .2s}
.flinks a:hover{color:#fff}
.flinks a:hover::before{width:10px;opacity:1;margin-right:6px}
.flinks li{margin-bottom:11px}
.f-risk{margin-top:36px;font-size:.8rem;line-height:1.6;color:#8aa3ba;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:14px;padding:14px 18px}
.f-risk strong{color:#ffe08a}
.copy{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;text-align:left;margin-top:22px;padding-top:20px;border-top:1px solid rgba(255,255,255,.1);font-size:.84rem}
.copy a{color:#cfe2f2}
.totop{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);color:#fff!important;text-decoration:none!important;font-weight:800;transition:background .2s,transform .2s}
.totop:hover{background:#1fb57a;transform:translateY(-3px)}
@media (max-width:1024px){.fgrid{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.fgrid{grid-template-columns:1fr 1fr;gap:26px}.f-brand{grid-column:1/-1}.f-cta{padding:22px;margin-top:0;margin-bottom:36px}.f-cta a{width:100%;text-align:center}.copy{justify-content:center;text-align:center}}

/* Hero mobile (last so it wins) */
@media (max-width:767px){.hero .wrap{grid-template-columns:1fr;gap:18px;padding:26px 0 24px}.hero-art{max-width:340px;width:100%;margin-inline:auto}}
@media (max-width:480px){.hero-art{max-width:280px}.hero-actions .btn{flex:1 1 100%;justify-content:center}}

/* Compact hero */
.hero .wrap{padding:26px 0 24px;gap:28px;grid-template-columns:1.3fr .7fr}
.hero h1{font-size:clamp(1.55rem,3vw,2.25rem);line-height:1.18;margin:0 0 10px}
.hero p.lead{font-size:.98rem;line-height:1.6;max-width:600px}
.hero-actions{margin-top:18px;gap:10px}
.hero-actions .btn{padding:11px 20px;font-size:.94rem}
.hero-art{max-width:340px;justify-self:end}
@media (max-width:1024px){.hero .wrap{grid-template-columns:1.4fr .6fr;gap:20px}.hero-art{max-width:260px}}
@media (max-width:767px){.hero .wrap{grid-template-columns:1fr;gap:14px;padding:20px 0 20px}.hero-art{max-width:240px;justify-self:center}}
@media (max-width:480px){.hero-art{max-width:200px}}

/* Hero: tighter, no empty middle */
.hero .wrap{grid-template-columns:minmax(0,680px) 300px;justify-content:center;gap:40px;padding:22px 0 20px}
.hero p.lead{max-width:none}
.hero-art{max-width:300px;justify-self:start}
@media (max-width:1024px){.hero .wrap{grid-template-columns:minmax(0,1fr) 230px;gap:20px}.hero-art{max-width:230px}}
@media (max-width:767px){.hero .wrap{grid-template-columns:1fr;gap:12px;padding:18px 0 18px}.hero-art{max-width:220px;justify-self:center}}
@media (max-width:480px){.hero-art{max-width:190px}}

/* Hero: smallest */
.hero .wrap{grid-template-columns:minmax(0,640px) 230px;gap:36px;padding:16px 0 16px}
.hero h1{font-size:clamp(1.4rem,2.6vw,1.95rem);margin:0 0 8px}
.hero p.lead{font-size:.93rem;line-height:1.55}
.hero-actions{margin-top:14px}
.hero-actions .btn{padding:10px 18px;font-size:.9rem}
.hero-art{max-width:230px}
@media (max-width:1024px){.hero .wrap{grid-template-columns:minmax(0,1fr) 190px;gap:18px}.hero-art{max-width:190px}}
@media (max-width:600px){.hero .wrap{grid-template-columns:1fr;padding:16px 0 18px}.hero-art{display:none}}
.hero .wrap{justify-content:start}

/* Banner-style starfield on dark sections */
.hero,.guide-hero,.faq-full,.faq-hero{position:relative}
.hero::before,.guide-hero::before,.faq-hero::before{content:"";position:absolute;inset:0;pointer-events:none;opacity:.55;background-image:radial-gradient(1.3px 1.3px at 8% 18%,#fff,transparent),radial-gradient(1px 1px at 22% 62%,#cfe,transparent),radial-gradient(1.4px 1.4px at 41% 12%,#fff,transparent),radial-gradient(1px 1px at 63% 74%,#fff,transparent),radial-gradient(1.2px 1.2px at 77% 30%,#bde,transparent),radial-gradient(1px 1px at 91% 58%,#fff,transparent),radial-gradient(1.2px 1.2px at 55% 40%,#fff,transparent)}
.hero .wrap,.gh-inner,.fh-inner{position:relative;z-index:1}

/* ===================== WordPress theme additions ===================== */
.tb-short{display:none}
@media (max-width:480px){.tb-long{display:none}.tb-short{display:inline}}
.screen-reader-text{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(1px,1px,1px,1px);white-space:nowrap}
.screen-reader-text:focus{clip:auto;width:auto;height:auto;background:#fff;padding:10px 14px;z-index:100}
.nav ul .current-menu-item>a:not([aria-current]){color:var(--navy)}

/* Inner page hero (posts, pages, archives, search, 404) */
.page-hero{position:relative;overflow:hidden;color:#fff;background:radial-gradient(500px 260px at 85% 10%,rgba(56,189,248,.25),transparent 70%),linear-gradient(165deg,#041427 0%,var(--navy) 55%,#1d6fa8 100%)}
.page-hero::before{content:"";position:absolute;inset:0;pointer-events:none;opacity:.55;background-image:radial-gradient(1.3px 1.3px at 8% 22%,#fff,transparent),radial-gradient(1px 1px at 26% 70%,#cfe,transparent),radial-gradient(1.4px 1.4px at 44% 16%,#fff,transparent),radial-gradient(1px 1px at 66% 64%,#fff,transparent),radial-gradient(1.2px 1.2px at 81% 34%,#bde,transparent),radial-gradient(1px 1px at 93% 76%,#fff,transparent)}
.ph-inner{position:relative;z-index:1;padding:26px 0 30px}
.page-hero .crumbs{margin-bottom:12px}
.page-hero .gh-pill{margin-bottom:12px}
.page-hero h1{font-size:clamp(1.55rem,3.2vw,2.35rem);line-height:1.2;letter-spacing:-.02em;max-width:920px}
.ph-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px;color:#c9d9ea;font-size:.9rem}
.ph-meta a{color:#fff;text-decoration:underline}
.ph-meta .sep{color:rgba(255,255,255,.35)}
.ph-desc,.ph-lead{color:#c9d9ea;margin-top:10px;max-width:720px}
.ph-search{max-width:640px;margin-top:18px}

/* Search form */
.search-form{max-width:640px}
.search-form .btn{padding:10px 18px;font-size:.92rem;border:0;cursor:pointer;flex:none}
.empty-state{background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px;text-align:center}
.empty-state h2{color:var(--navy2);margin-bottom:8px}
.empty-state p{color:var(--muted);margin-bottom:18px}
.empty-state .search-form{margin:0 auto;border:1px solid var(--line);box-shadow:none}

/* Single post / page layout */
.single-wrap{max-width:860px;margin-top:32px;margin-bottom:24px}
.single-article{background:#fff;border:1px solid var(--line);border-radius:22px;padding:36px 40px;box-shadow:0 10px 30px -18px rgba(11,63,115,.25)}
.single-thumb{margin:0 0 26px}
.single-thumb img{width:100%;height:auto;border-radius:14px}

/* Article typography */
.entry-content{font-size:1.06rem;line-height:1.75;color:#2f3c49;overflow-wrap:break-word}
.entry-content>*+*{margin-top:1.05em}
.entry-content h2{font-size:clamp(1.35rem,2.6vw,1.75rem);color:var(--navy2);line-height:1.3;margin-top:1.8em;letter-spacing:-.01em}
.entry-content h3{font-size:1.25rem;color:var(--navy);margin-top:1.6em}
.entry-content h4{font-size:1.08rem;color:var(--navy2);margin-top:1.4em}
.entry-content a{color:var(--navy);text-decoration:underline;text-decoration-color:rgba(31,181,122,.6);text-underline-offset:3px}
.entry-content a:hover{color:var(--green2)}
.entry-content ul,.entry-content ol{padding-left:1.4em}
.entry-content li{margin:.35em 0}
.entry-content li::marker{color:var(--green)}
.entry-content strong{color:#1b2430}
.entry-content img{height:auto;border-radius:12px}
.entry-content figure{margin-left:0;margin-right:0}
.entry-content figcaption,.wp-caption-text{font-size:.86rem;color:var(--muted);text-align:center;margin-top:8px}
.entry-content blockquote{border-left:4px solid var(--green);background:var(--mint);padding:16px 20px;border-radius:0 14px 14px 0;color:#1d4a38;font-style:normal}
.entry-content blockquote p{margin:0}
.entry-content hr{border:0;height:1px;background:var(--line);margin:2em 0}
.entry-content code{background:#eef3f8;padding:2px 6px;border-radius:6px;font-size:.9em}
.entry-content pre{background:#0b1f33;color:#e3edf7;padding:16px;border-radius:12px;overflow-x:auto}
.entry-content table{width:100%;border-collapse:collapse;font-size:.95rem;display:block;overflow-x:auto}
.entry-content table th,.entry-content table td{border:1px solid var(--line);padding:10px 14px;text-align:left}
.entry-content table thead th,.entry-content table tr:first-child th{background:var(--navy);color:#fff}
.entry-content .wp-block-table{overflow-x:auto}
.entry-content iframe,.entry-content video{max-width:100%}
.entry-content .wp-block-button__link,.entry-content .wp-element-button{background:linear-gradient(135deg,#1fb57a,#3fd08f);color:#fff;border-radius:999px;padding:12px 24px;text-decoration:none;font-weight:700}
.alignleft{float:left;margin:.3em 1.4em 1em 0}
.alignright{float:right;margin:.3em 0 1em 1.4em}
.aligncenter{display:block;margin-left:auto;margin-right:auto}
.alignwide,.alignfull{max-width:100%}
.wp-caption{max-width:100%}
.sticky .tag::after{content:" · Featured"}

/* Tags, offer box, author, post nav */
.post-tags{list-style:none;display:flex;flex-wrap:wrap;gap:8px;margin-top:28px}
.post-tags a{display:inline-block;background:#eaf2fa;color:var(--navy);font-size:.85rem;font-weight:600;padding:7px 12px;border-radius:999px}
.post-tags a:hover{background:var(--mint);color:var(--green2)}
.offer-box{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;margin-top:28px;padding:22px 24px;border-radius:18px;color:#fff;background:linear-gradient(120deg,#0b3f73,#1d6fa8)}
.offer-box .ob-t{font-weight:800;font-size:1.15rem}
.offer-box p{color:#d4e2f0;margin:0}
.offer-box .btn{white-space:nowrap}
.author-box{display:flex;gap:16px;align-items:flex-start;margin-top:24px;padding:20px;border-radius:16px;background:var(--bg);border:1px solid var(--line)}
.author-box .ab-avatar{border-radius:50%;flex:none}
.author-box .ab-name{font-weight:800;color:var(--navy2);margin-bottom:4px}
.author-box p{color:var(--muted);font-size:.95rem;margin:0}
.post-navigation{margin-top:24px}
.post-navigation .nav-links{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.post-navigation a{display:block;height:100%;padding:16px 18px;border-radius:14px;border:1px solid var(--line);background:#fff;transition:border-color .2s}
.post-navigation a:hover{border-color:var(--green)}
.post-navigation .nav-next{text-align:right}
.pn-l{display:block;font-size:.8rem;font-weight:800;color:var(--green2);text-transform:uppercase;letter-spacing:.06em}
.pn-t{display:block;color:var(--navy2);font-weight:700;margin-top:4px;line-height:1.35}
.related{padding-top:24px}

/* Comments */
.comments-area{background:#fff;border:1px solid var(--line);border-radius:22px;padding:30px 36px;margin-top:8px}
.comments-title,.comment-reply-title{color:var(--navy2);font-size:1.3rem;margin-bottom:14px}
.comment-list{list-style:none;padding:0}
.comment-list .children{list-style:none;padding-left:28px}
.comment-body{padding:16px 0;border-bottom:1px solid var(--line)}
.comment-author{display:flex;align-items:center;gap:10px;font-weight:700;color:var(--navy2)}
.comment-author img{border-radius:50%}
.comment-metadata{font-size:.82rem;color:var(--muted);margin:4px 0 8px}
.comment-content{color:#36434f}
.reply a{font-size:.85rem;font-weight:700;color:var(--green2)}
.comment-form label{display:block;font-weight:600;color:var(--navy2);margin-bottom:6px;font-size:.92rem}
.comment-form input[type=text],.comment-form input[type=email],.comment-form input[type=url],.comment-form textarea{width:100%;font:inherit;padding:12px 14px;border:1px solid #cfdbe6;border-radius:12px;background:#f8fbfe}
.comment-form input:focus,.comment-form textarea:focus{outline:3px solid rgba(31,181,122,.35);border-color:var(--green)}
.comment-form p{margin-bottom:14px}
.comment-form .btn{border:0;cursor:pointer}
.comment-form-cookies-consent{display:flex;gap:8px;align-items:flex-start}
.comment-form-cookies-consent label{font-weight:400}

@media (max-width:600px){
 .single-wrap{margin-top:18px}
 .single-article{padding:22px 18px;border-radius:18px}
 .comments-area{padding:22px 18px}
 .post-navigation .nav-links{grid-template-columns:1fr}
 .post-navigation .nav-next{text-align:left}
 .offer-box .btn{width:100%;justify-content:center}
 .alignleft,.alignright{float:none;margin:1em auto}
 .ph-inner{padding:20px 0 24px}
 .search-form .btn{padding:9px 14px}
}

/* Tap targets inside meta lines */
.ph-meta a,.comment-metadata a,.reply a,.post-tags a{display:inline-block;padding:4px 2px;margin:-4px 0}
.comment-metadata a,.reply a{padding:6px 2px}
.author-box .ab-name a{display:inline-block;padding:4px 2px;margin:-4px 0}
.comment-form-cookies-consent input[type=checkbox]{width:22px;height:22px;flex:none;margin-top:2px;accent-color:var(--green)}
.author-box .ab-avatar{width:64px;height:64px;background:linear-gradient(135deg,#0b3f73,#1d6fa8);color:transparent;font-size:0;overflow:hidden}
.hero picture{display:contents}
.hero picture source{display:none}