:root{--navy:#1d3a4f;--navy2:#16344c;--red:#cc2200;--ink:#1f2933;--muted:#5b6b78;--line:#e3e8ee;--bg:#f7f9fb}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:Barlow,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;font-size:18px;line-height:1.65;color:var(--ink);background:#fff}
.wrap{max-width:820px;margin:0 auto;padding:0 20px}
a{color:var(--navy2)}
a:hover{color:var(--red)}
.top{background:var(--navy);color:#fff}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:60px;max-width:1040px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-family:"Barlow Condensed",sans-serif;font-weight:800;font-size:22px;letter-spacing:.3px}
.brand img{display:block;height:40px;width:auto}
.brand span{font-weight:600;opacity:.75;padding-left:10px;border-left:1px solid rgba(255,255,255,.3);line-height:1}
.top nav{display:flex;gap:18px;align-items:center}
.top nav a{color:#fff;text-decoration:none;font-weight:600;font-size:16px}
.cta{display:inline-block;background:var(--red);color:#fff!important;text-decoration:none;font-weight:600;padding:9px 16px;border-radius:8px}
.cta:hover{background:#a81c00}
h1,h2,h3{font-family:"Barlow Condensed",sans-serif;color:var(--navy);line-height:1.15;letter-spacing:.2px}
h1{font-size:44px;margin:8px 0 6px}
h2{font-size:30px;margin:40px 0 10px}
h3{font-size:23px;margin:28px 0 6px}
.kicker{margin:36px 0 0;color:var(--red);font-weight:600;text-transform:uppercase;letter-spacing:1px;font-size:14px}
.meta{color:var(--muted);font-size:15px;margin:0 0 24px}
.lede{font-size:21px;color:#33424f}
.summary{background:var(--bg);border:1px solid var(--line);border-left:4px solid var(--navy);border-radius:10px;padding:16px 20px;margin:24px 0}
.summary ul{margin:6px 0 0;padding-left:20px}
.cols{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:16px 0}
.cols>div{border:1px solid var(--line);border-radius:10px;padding:14px 18px}
.cols h3{margin-top:4px}
.pros h3{color:#1b6b3a}.cons h3{color:#a01c00}
table{width:100%;border-collapse:collapse;margin:16px 0;font-size:16px}
th,td{text-align:left;padding:10px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--bg);font-family:"Barlow Condensed",sans-serif;font-size:18px;color:var(--navy)}
.tablewrap{overflow-x:auto}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px;margin:18px 0}
.card{display:block;border:1px solid var(--line);border-radius:12px;padding:16px;text-decoration:none;color:var(--ink)}
.card:hover{border-color:var(--navy);box-shadow:0 2px 10px rgba(29,58,79,.08)}
.card strong{display:block;font-family:"Barlow Condensed",sans-serif;font-size:22px;color:var(--navy);margin-bottom:4px}
.card span{font-size:15px;color:var(--muted)}
.faq details{border-bottom:1px solid var(--line);padding:10px 0}
.faq summary{cursor:pointer;font-weight:600}
.cta-box{background:var(--navy);color:#fff;border-radius:14px;padding:22px 24px;margin:40px 0}
.cta-box h2{color:#fff;margin:0 0 6px}
.cta-box p{margin:0 0 14px;opacity:.92}
.sources ol{font-size:15px;padding-left:22px}
.note,.disclosure{font-size:14px;color:var(--muted)}
.disclosure{border-top:1px solid var(--line);padding-top:14px;margin-top:30px}
.foot{border-top:1px solid var(--line);margin-top:40px;padding:22px 0;font-size:15px;color:var(--muted)}
.foot .wrap{display:flex;gap:10px;flex-wrap:wrap;max-width:1040px}
.foot span{margin-left:auto}
@media (max-width:640px){body{font-size:17px}.brand span{display:none}.brand img{height:34px}.top .cta{white-space:nowrap;padding:7px 12px;font-size:15px}h1{font-size:34px}h2{font-size:26px}.cols{grid-template-columns:1fr}.top nav a:not(.cta){display:none}}