:root{--ink:#12233d;--muted:#607089;--blue:#1769e0;--blue2:#0e4ea9;--sky:#eef6ff;--line:#dce5ef;--green:#087a52;--paper:#fff;--max:1180px}
*{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(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{width:min(var(--max),92%);margin:auto}
header{border-bottom:1px solid var(--line);background:rgba(255,255,255,.97);position:sticky;top:0;z-index:30}.nav{min-height:72px;display:flex;align-items:center;gap:22px}.brand{display:flex;align-items:center;gap:9px;color:var(--ink);font-weight:850;white-space:nowrap}.mark{width:35px;height:35px;border-radius:10px;background:var(--blue);color:#fff;display:grid;place-items:center}.navlinks{display:flex;align-items:center;gap:19px;margin-left:auto}.navlinks a{color:var(--ink);font-weight:700;font-size:.91rem}.navcta{white-space:nowrap}.menuBtn{display:none;background:#fff;border:1px solid var(--line);border-radius:9px;width:42px;height:42px;font-size:22px}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:#fff!important;padding:11px 16px;border-radius:10px;font-weight:800;border:0}.btn:hover{background:var(--blue2);text-decoration:none}.btn.alt{background:#fff;color:var(--ink)!important;border:1px solid var(--line)}
.hero{background:linear-gradient(135deg,#f8fbff,#eaf4ff);padding:68px 0;border-bottom:1px solid var(--line)}.hero h1,.article h1{font-size:clamp(2.25rem,5vw,4.25rem);line-height:1.06;letter-spacing:-.04em;margin:.18em 0}.hero p{font-size:1.2rem;color:var(--muted);max-width:760px}.eyebrow,.pill{color:var(--blue);font-weight:850}.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.77rem}.pill{display:inline-block;background:var(--sky);border-radius:999px;padding:4px 9px;font-size:.75rem}
section{padding:52px 0}.section-title{font-size:2rem;line-height:1.2;margin:0 0 8px}.lede{color:var(--muted);max-width:800px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:15px;padding:22px;background:#fff;box-shadow:0 7px 22px rgba(18,35,61,.045)}.card h2,.card h3{margin:.35em 0}.card p{color:var(--muted)}
.layout{width:min(var(--max),92%);margin:auto;display:grid;grid-template-columns:minmax(0,800px) 290px;gap:48px;padding:44px 0 72px}.article{min-width:0}.article h1{font-size:clamp(2.15rem,4.4vw,3.45rem)}.article h2{font-size:1.7rem;line-height:1.2;margin-top:2em}.article h3{font-size:1.25rem;margin-top:1.6em}.article p,.article li{font-size:1.04rem}.intro{font-size:1.18rem!important;color:var(--muted)}.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:22px}.note{background:var(--sky);border-left:4px solid var(--blue);padding:15px 17px;border-radius:8px;margin:25px 0}.merchant{border:1px solid #b8e2d3;background:#f0fbf6;padding:22px;border-radius:14px;margin:30px 0}.merchant strong{color:var(--green)}.sidebar{align-self:start}.sidebox{border:1px solid var(--line);border-radius:15px;padding:20px;margin-bottom:18px;background:#fff}.sidebox h2{font-size:1.12rem;margin-top:0}.sidebox ul{padding-left:18px;margin-bottom:0}.sidebox li{margin:.5em 0}.related{border-top:1px solid var(--line);margin-top:42px;padding-top:24px}.related ul{columns:2}
table{width:100%;border-collapse:collapse;margin:24px 0}th,td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}th{background:#f5f8fc}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}
footer{background:#101c2d;color:#dce5ef;padding:42px 0}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.foot a{color:#dce5ef}.small{font-size:.88rem;color:#9aaac0}.disclosure{font-size:.82rem;color:var(--muted);background:#fbfcfe;border-bottom:1px solid var(--line);padding:8px 0}
.sitemap-list{columns:2}.sitemap-list li{break-inside:avoid;margin:.45em 0}
@media(max-width:860px){header{position:sticky}.nav{gap:10px}.brand{font-size:.92rem}.brand .mark{display:none}.navcta{margin-left:auto;padding:9px 11px;font-size:.78rem}.menuBtn{display:block}.navlinks{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:14px 4%;box-shadow:0 8px 20px rgba(18,35,61,.08)}.navlinks.open{display:grid;gap:0}.navlinks a{padding:11px 4px;border-bottom:1px solid #eef2f6}.layout{grid-template-columns:1fr;gap:10px}.sidebar{order:2}.grid{grid-template-columns:1fr}.related ul,.sitemap-list{columns:1}.foot{grid-template-columns:1fr}.hero{padding:48px 0}}
@media(max-width:420px){.brand span:last-child{display:none}.navcta{font-size:.76rem}.nav{min-height:66px}.navlinks{top:66px}}

/* Editorial rebuild: modal and refined mobile header */
.cta-modal[hidden]{display:none}.cta-modal{position:fixed;inset:0;z-index:100;display:grid;place-items:center;padding:20px;background:rgba(9,20,36,.58)}
.cta-dialog{position:relative;width:min(520px,94vw);background:#fff;border-radius:18px;padding:30px;box-shadow:0 24px 70px rgba(0,0,0,.24);border:1px solid var(--line)}
.cta-dialog h2{font-size:1.65rem;line-height:1.18;margin:0 34px 8px 0}.cta-dialog p{color:var(--muted);margin-top:0}.cta-close{position:absolute;right:14px;top:12px;border:0;background:transparent;font-size:28px;line-height:1;cursor:pointer;color:var(--muted)}
.cta-dialog .actions{margin-top:20px}.cta-dialog .stay{background:#fff;color:var(--ink)!important;border:1px solid var(--line);cursor:pointer}
@media(max-width:860px){.nav{justify-content:space-between}.brand{font-size:1rem}.brand .mark{display:none}.navcta{margin-left:auto;font-size:.82rem;padding:10px 13px}.menuBtn{display:none!important}.navlinks{display:none!important}}
@media(max-width:420px){.brand span:last-child{display:inline}.navcta{font-size:.75rem;padding:9px 10px}}

.navgroup{position:relative;height:72px;display:flex;align-items:center}.navtop,.plainnav{color:var(--ink)!important;font-weight:750;font-size:.88rem}.mega{display:none;position:absolute;top:62px;left:-18px;width:265px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px;box-shadow:0 18px 50px rgba(18,35,61,.14);z-index:50}.navgroup:hover .mega,.navgroup:focus-within .mega{display:grid}.mega strong{font-size:.78rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);padding:4px 8px 8px}.mega a{padding:8px;border-radius:7px;color:var(--ink)!important;font-size:.88rem}.mega a:hover{background:var(--sky);text-decoration:none}.mega .allguides{color:var(--blue)!important;border-top:1px solid var(--line);margin-top:5px;padding-top:11px}
.meta{display:flex;gap:12px;flex-wrap:wrap;color:var(--muted);font-size:.88rem;margin:12px 0 22px}.takeaways{display:grid;gap:9px;margin:24px 0}.takeaway{border:1px solid var(--line);border-radius:10px;padding:12px 14px;background:#fbfdff}.toc{border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:28px 0;background:#fff}.toc strong{display:block;margin-bottom:8px}.toc ul{margin:0;padding-left:20px;columns:2}.toc li{margin:.35em 0}.clusterbar{border:1px solid var(--line);border-radius:14px;padding:18px;margin:26px 0;background:#f8fbff}.clusterbar h2{font-size:1.15rem!important;margin:0 0 10px!important}.clusterlinks{display:flex;flex-wrap:wrap;gap:8px}.clusterlinks a{background:#fff;border:1px solid var(--line);padding:7px 10px;border-radius:8px;font-size:.87rem}.freshness{font-size:.9rem;color:var(--muted);border-top:1px solid var(--line);padding-top:16px;margin-top:30px}.hubgroup{margin:42px 0}.hubcards{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}.hubcard{border:1px solid var(--line);border-radius:13px;padding:17px;background:#fff}.hubcard span{display:block;color:var(--muted);font-size:.8rem;margin-bottom:5px}.hubcard strong{display:block}.journey{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-top:22px}.journey a{border:1px solid var(--line);border-radius:12px;padding:15px;background:#fff;color:var(--ink)}.journey small{display:block;color:var(--muted)}
@media(max-width:980px) and (min-width:861px){.navlinks{gap:10px}.navtop,.plainnav{font-size:.8rem}}
@media(max-width:860px){.navlinks{display:none!important}.nav{justify-content:space-between}.brand{font-size:1rem}.navcta{margin-left:auto}.toc ul{columns:1}.hubcards{grid-template-columns:1fr}.journey{grid-template-columns:1fr}.mega{display:none!important}}