:root{
  --ink:#12233b; --muted:#5b6b82; --navy:#1f3864; --blue:#2e5c8a;
  --line:#dfe5ee; --bg:#ffffff; --soft:#f6f8fc; --accent:#b4530a;
  --green:#1f6b3a; --red:#b42318;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0; background:var(--bg); color:var(--ink);
  font:17px/1.65 Georgia,"Iowan Old Style","Times New Roman",serif;
}
.wrap{max-width:760px;margin:0 auto;padding:0 22px}
header.site{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;min-height:60px;gap:16px}
.brand{font:600 17px/1 -apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--navy);text-decoration:none;letter-spacing:-.01em;white-space:nowrap}
.brand .mark{display:inline-flex;width:22px;height:22px;border-radius:6px;background:var(--navy);color:#fff;align-items:center;justify-content:center;font-size:13px;margin-right:7px;vertical-align:-3px}
nav{display:flex;gap:18px;flex-wrap:wrap}
nav a{font:500 13.5px/1 -apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--muted);text-decoration:none}
nav a:hover{color:var(--navy)}
main.wrap{padding-top:34px;padding-bottom:56px}
.crumbs{font:12.5px/1.4 -apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--muted);margin-bottom:18px}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--navy)}
h1{font:700 34px/1.2 "Iowan Old Style",Georgia,serif;color:var(--navy);margin:0 0 10px;letter-spacing:-.015em}
.dek{font-size:19px;line-height:1.55;color:#33445e;margin:0 0 14px}
.meta{display:flex;gap:18px;flex-wrap:wrap;font:12.5px/1.4 -apple-system,sans-serif;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:16px;margin-bottom:26px}
.meta em{font-style:normal;color:var(--accent)}
h2{font:700 23px/1.3 "Iowan Old Style",Georgia,serif;color:var(--navy);margin:38px 0 10px;letter-spacing:-.01em}
h3{font:700 17.5px/1.4 -apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--blue);margin:26px 0 6px}
p{margin:0 0 15px}
ul,ol{margin:0 0 16px;padding-left:22px}
li{margin-bottom:7px}
a{color:var(--blue)}
blockquote{
  margin:20px 0;padding:16px 20px;background:var(--soft);
  border-left:3px solid var(--blue);font-size:16px;color:#243b59;
}
blockquote cite{display:block;margin-top:8px;font:12px/1.4 -apple-system,sans-serif;color:var(--muted);font-style:normal}
.verdict{background:#eef3fa;border:1px solid #cfdcef;border-radius:10px;padding:18px 20px;margin:22px 0 26px}
.vlabel{font:700 12px/1 -apple-system,sans-serif;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin-bottom:8px}
.verdict p{margin:0;font-size:18px;line-height:1.55}
.callout{background:#fff8ec;border:1px solid #f0dcb8;border-radius:10px;padding:16px 18px;margin:22px 0}
.callout strong{font:700 14px/1.4 -apple-system,sans-serif;color:var(--accent);display:block;margin-bottom:6px}
.callout p{margin:0;font-size:16px}
.tw{overflow-x:auto;margin:20px 0 24px;border:1px solid var(--line);border-radius:10px}
table{border-collapse:collapse;width:100%;font:14px/1.5 -apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px;font-weight:600;white-space:nowrap}
td{padding:10px 12px;border-top:1px solid var(--line);vertical-align:top}
tbody tr:nth-child(even){background:#f8fafd}
.cta{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;background:var(--navy);color:#fff;border-radius:12px;padding:18px 20px;margin:26px 0}
.cta strong{display:block;font:700 16px/1.4 -apple-system,sans-serif;margin-bottom:2px}
.cta span{font:13.5px/1.4 -apple-system,sans-serif;opacity:.82}
.btn{background:#fff;color:var(--navy);text-decoration:none;font:600 14px/1 -apple-system,sans-serif;padding:11px 16px;border-radius:8px;white-space:nowrap}
.faq{margin-top:38px;border-top:1px solid var(--line);padding-top:8px}
details{border-bottom:1px solid var(--line);padding:14px 0}
summary{cursor:pointer;font:600 16px/1.4 -apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--navy)}
details div{margin-top:9px;font-size:16px;color:#2c3d56}
.sources{margin-top:34px;border-top:1px solid var(--line);padding-top:8px}
.sources h2{font-size:18px}
.sources ol{font:13.5px/1.6 -apple-system,sans-serif;color:var(--muted)}
.src-t{color:var(--ink);font-weight:600}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:14px;margin:22px 0}
.card{border:1px solid var(--line);border-radius:10px;padding:16px;text-decoration:none;color:inherit;background:#fff}
.card:hover{border-color:var(--blue)}
.card b{display:block;font:600 16px/1.4 -apple-system,sans-serif;color:var(--navy);margin-bottom:4px}
.card span{font:13.5px/1.5 -apple-system,sans-serif;color:var(--muted)}
footer.site{border-top:1px solid var(--line);background:var(--soft);padding:26px 0 40px}
footer.site p{font:12.5px/1.6 -apple-system,sans-serif;color:var(--muted);margin:0 0 8px}
footer.site .fine{font-size:11.5px;opacity:.85}
@media(max-width:640px){
  body{font-size:16.5px}
  h1{font-size:27px}
  .dek{font-size:17px}
  header.site .wrap{min-height:54px;gap:10px}
  .brand{font-size:15.5px}
  nav{gap:11px;flex-wrap:nowrap}
  nav a{font-size:12px;white-space:nowrap}
  .meta{gap:10px}
}
@media(max-width:420px){
  nav a:nth-child(3){display:none}
}