:root{--bg:#f4f7fb;--ink:#182438;--navy:#152b4a;--blue:#0c62b7;--soft:#ecf4fc;--border:#d9e2ed;--sub:#566476;--surface:#fff;--max:1120px;--good:#11674d}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;line-height:1.66}a{color:var(--blue);text-underline-offset:3px}a:hover{color:#084983}.wrap{max-width:var(--max);margin-inline:auto;padding-left:22px;padding-right:22px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;color:#111;padding:12px;border:2px solid #111}.site-header{background:#fff;border-bottom:1px solid var(--border)}.nav{min-height:82px;display:flex;gap:25px;align-items:center;justify-content:space-between}.nav nav{display:flex;gap:7px 15px;flex-wrap:wrap;align-items:center}.nav nav a{text-decoration:none;color:var(--ink);font-size:13px;font-weight:720;padding:8px 0}.nav nav a[aria-current=page]{color:var(--blue);box-shadow:0 2px var(--blue)}.brand{color:var(--navy);font-weight:880;letter-spacing:-.04em;display:flex;align-items:center;gap:10px;text-decoration:none;font-size:18px;line-height:1.18;white-space:nowrap}.brand-mark{background:var(--navy);color:#fff;border-radius:11px;font-size:17px;letter-spacing:0;padding:13px 10px}.brand-accent{color:var(--blue)}.brand small{font-size:10px;display:block;color:var(--sub);letter-spacing:0;font-weight:650;margin-top:5px}
main{padding-top:26px;padding-bottom:68px;min-height:55vh}.breadcrumb{display:flex;gap:12px;align-items:center;font-size:13px;color:var(--sub);margin-bottom:15px}.intro{padding:44px 42px;border-radius:22px;background:linear-gradient(125deg,#142b4c 0%,#1e4d7f 100%);color:#fff;margin:0 0 22px}.intro h1{font-size:clamp(32px,4.7vw,54px);line-height:1.09;letter-spacing:-.038em;margin:8px 0 18px}.intro .lead{color:#eff5fb;font-size:18px;max-width:900px}.intro .byline{margin:24px 0 0;font-size:12px;color:#d2e3f5}.eyebrow{text-transform:uppercase;letter-spacing:.09em;color:#3284ce;font-size:12px;font-weight:900}.intro .eyebrow{color:#acd8fc}.lead{font-size:18px;max-width:880px}.panel{border:1px solid var(--border);background:#fff;border-radius:16px;padding:28px 31px;margin:20px 0;box-shadow:0 1px 0 rgba(0,0,0,.015)}h2{font-size:clamp(21px,2.2vw,28px);letter-spacing:-.02em;line-height:1.25;margin:0 0 14px}h3{font-size:18px;margin:26px 0 8px}p{margin:0 0 15px}.panel p:last-child{margin-bottom:0}.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.stat{background:#fff;border:1px solid var(--border);padding:22px;border-radius:15px}.stat-label{color:var(--sub);font-size:12px;text-transform:uppercase;font-weight:850;letter-spacing:.075em}.stat-number{font-weight:880;font-size:clamp(27px,3vw,39px);letter-spacing:-.045em;color:var(--navy);margin:5px 0}.stat p{font-size:13px;color:var(--sub);margin:0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:10px}.section-head h2{margin-bottom:0}.text-link{font-weight:750;white-space:nowrap}.table-wrap{overflow-x:auto}table{border-collapse:collapse;width:100%;min-width:550px;font-variant-numeric:tabular-nums}th,td{padding:12px 11px;text-align:left;border-bottom:1px solid var(--border)}th{font-size:12px;text-transform:uppercase;letter-spacing:.05em;color:#46576b;background:#f5f9fd}tbody tr:hover{background:#f6faff}td:first-child{font-weight:700}.small,.muted{font-size:13px;color:var(--sub)}.split{display:grid;grid-template-columns:1fr 1fr;gap:18px}.split .panel{margin:0}.feature-link{display:flex;flex-direction:column;gap:8px;border:1px solid var(--border);border-radius:12px;padding:19px;color:var(--ink);text-decoration:none;transition:border-color .15s,transform .15s}.feature-link:hover{border-color:#7cabdb;transform:translateY(-2px)}.feature-link strong{font-size:17px}.feature-link strong span{color:var(--blue)}.feature-link>span{font-size:14px;color:var(--sub)}.link-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:17px}.sources{margin:23px 0;padding:22px 26px;border-radius:14px;border:1px solid #c8d7e8;background:#edf4fb}.sources h2{font-size:19px}.sources ul{margin:0 0 13px;padding-left:20px}.sources li{margin:8px 0}.sources p{margin:0;font-size:12px;color:var(--sub)}.prose h2:not(:first-child){margin-top:30px}.prose p{max-width:820px}.callout{background:#eef6fc;border-left:4px solid var(--blue);border-radius:7px;padding:17px 19px;margin:18px 0}.number-list{padding-left:24px}.number-list li{margin:10px 0}.faq details{border-bottom:1px solid var(--border);padding:18px 4px}.faq summary{font-weight:760;cursor:pointer}.faq details p{margin-top:10px}.legal h1{font-size:38px}.legal h2{margin-top:26px}.legal h2:first-of-type{margin-top:12px}
.site-footer{background:#142539;color:#e8eef7}.footer-cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px;padding-top:40px;padding-bottom:26px}.site-footer h2,.site-footer h3{font-size:16px;color:#fff}.site-footer p{font-size:13px;color:#c4d2e0;max-width:440px}.site-footer a{display:block;color:#e6f3fe;text-decoration:none;margin:6px 0;font-size:13px}.site-footer a:hover{text-decoration:underline}.foot-line{border-top:1px solid #38516b;padding-top:17px;padding-bottom:25px;font-size:12px;color:#bcd0df}
.button-row{display:flex;flex-wrap:wrap;gap:9px;margin:14px 0 20px}button,select{font:inherit}.filter-btn{background:#eef5fc;color:#1d4569;border:1px solid #cbd9e6;padding:10px 13px;border-radius:9px;font-weight:700;cursor:pointer}.filter-btn.is-active,.filter-btn:hover{background:var(--navy);color:#fff}.barlist{display:grid;gap:13px;margin:20px 0}.barrow{display:grid;grid-template-columns:130px 1fr 90px;gap:10px;align-items:center;font-size:14px}.barlabel{font-weight:720}.bartrack{height:16px;border-radius:6px;background:#eef2f8;overflow:hidden}.barfill{display:block;height:100%;border-radius:6px;background:#3375ab}.barvalue{text-align:right;font-variant-numeric:tabular-nums}.calc-result{display:block;background:#edf6ff;border:1px solid #c6dcf1;border-radius:10px;padding:17px 19px;margin:15px 0;font-size:19px;font-weight:750}.check-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:9px}.check-grid label{display:flex;align-items:center;gap:11px;background:#f4f8fc;padding:11px;border-radius:8px;cursor:pointer}.check-grid input{width:18px;height:18px}select{background:#fff;border:1px solid #95a8bb;border-radius:8px;padding:10px 12px;margin:8px 0 3px;max-width:100%;display:block}.news-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.news-card{padding:17px;border:1px solid var(--border);border-radius:10px}.news-card h3{font-size:15px;line-height:1.4;margin:6px 0}.news-card p{font-size:12px;color:var(--sub);margin:0}.news-card h3 a{color:var(--ink)}.btn{display:inline-block;border-radius:9px;padding:11px 15px;background:var(--blue);color:#fff;text-decoration:none;font-weight:780}.btn:hover{background:#084983;color:#fff}
@media(max-width:930px){.nav{align-items:flex-start;flex-direction:column;padding-top:16px;padding-bottom:16px}.nav nav{gap:0 18px}.intro{padding:34px 26px}.section-head{align-items:start;flex-direction:column}.stat-grid{grid-template-columns:1fr 1fr}.check-grid{grid-template-columns:1fr 1fr}}
@media(max-width:650px){.wrap{padding-left:15px;padding-right:15px}main{padding-top:16px}.intro{padding:28px 20px;border-radius:14px}.intro .lead{font-size:16px}.panel{padding:21px 17px;border-radius:12px}.stat-grid,.split,.link-grid,.footer-cols,.news-grid{grid-template-columns:1fr}.nav nav{gap:4px 13px}.nav nav a{font-size:12px}.barrow{grid-template-columns:88px 1fr 66px;gap:6px;font-size:12px}.check-grid{grid-template-columns:1fr}.stat-number{font-size:32px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.feature-link{transition:none}}