:root{--bg:#0c1420;--panel:#121f30;--text:#edf4fb;--muted:#aebed0;--accent:#8dd6c2;--gold:#f3c96a;--line:#24364a;--paper:#f7fafc;--ink:#182231}
*{box-sizing:border-box} body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:var(--paper);color:var(--ink);line-height:1.7}
a{color:#135f73} .site-header{background:var(--bg);color:var(--text);position:sticky;top:0;z-index:20;border-bottom:1px solid #22354a}
.wrap{max-width:1180px;margin:auto;padding:0 22px}.head{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:72px}
.brand{display:flex;align-items:center;gap:11px;color:white;text-decoration:none;font-weight:800;letter-spacing:.2px}.brand-mark{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--accent);color:var(--bg);font-weight:900}
.nav{display:flex;gap:18px;flex-wrap:wrap}.nav a{color:#dce8f4;text-decoration:none;font-size:.93rem}.hero{background:linear-gradient(145deg,#0c1420,#183046);color:white;padding:70px 0 64px}
.hero h1{font-size:clamp(2.25rem,5vw,4.4rem);line-height:1.04;max-width:980px;margin:.2em 0}.hero p{max-width:780px;color:#c8d6e4;font-size:1.12rem}
.eyebrow{color:var(--gold);font-weight:800;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:40px;align-items:start;padding:44px 0 70px}
main article{max-width:780px}.lede{font-size:1.2rem;color:#34475b}.breadcrumbs{font-size:.9rem;margin-bottom:16px;color:#617386}.breadcrumbs a{text-decoration:none}
section{margin:42px 0} h2{font-size:1.7rem;line-height:1.2;margin-bottom:12px} h3{font-size:1.25rem} ul{padding-left:23px}
.evidence,.merchant-note,.top-cta,.mid-cta,.bottom-cta{border:1px solid #d6e2ea;border-radius:18px;padding:20px 22px;margin:26px 0;background:white;box-shadow:0 8px 28px rgba(20,43,64,.06)}
.evidence{border-left:5px solid #2a7887}.merchant-note{border-left:5px solid #c79c39}.top-cta,.mid-cta,.bottom-cta{background:#102237;color:white;border-color:#28445f}.top-cta p,.mid-cta p,.bottom-cta p{color:#d7e5f0}
.cta,.secondary{display:inline-block;padding:13px 18px;border-radius:10px;text-decoration:none;font-weight:800;margin:5px 8px 5px 0}.cta{background:var(--gold);color:#17202a}.secondary{border:1px solid #7694ab;color:white}
.sidebar{position:sticky;top:95px;background:var(--bg);color:white;border-radius:18px;padding:22px}.sidebar p{color:#c7d5e4}.sidebar .cta{width:100%;text-align:center}
.cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.card{display:flex;flex-direction:column;gap:4px;border:1px solid #d9e3ea;border-radius:14px;padding:16px;text-decoration:none;background:white}.card span{color:#718397;font-size:.85rem}
footer{background:#09111b;color:#c7d4e0;padding:36px 0}.footlinks{display:flex;gap:16px;flex-wrap:wrap}.footlinks a{color:#c7d4e0}.disclosure{font-size:.86rem;color:#9fb0c0;margin-top:14px}
.popup{position:fixed;inset:0;background:rgba(4,9,15,.82);display:none;align-items:center;justify-content:center;z-index:100;padding:20px}.popup.open{display:flex}.popup-card{max-width:760px;width:100%;background:#0f1d2c;color:white;border-radius:24px;padding:34px;position:relative}.popup-card ul{color:#d7e4ef}.popup-close{position:absolute;right:18px;top:14px;background:none;border:0;color:white;font-size:1.6rem;cursor:pointer}
@media(max-width:860px){.nav{display:none}.layout{grid-template-columns:1fr}.sidebar{position:static;order:-1}.cards{grid-template-columns:1fr}.hero{padding:50px 0}.head{min-height:64px}}

.header-cta{display:inline-block;background:var(--gold);color:#17202a;text-decoration:none;font-weight:800;padding:10px 14px;border-radius:10px;white-space:nowrap}
.header-cta:hover{filter:brightness(.96)}
@media(max-width:860px){
  .head{gap:12px}
  .header-cta{font-size:.88rem;padding:9px 11px}
}