*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--fg);font-family:var(--font-body);font-size:17px;line-height:1.65}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--link,var(--accent))}
h1,h2,h3,h4{font-family:var(--font-head);line-height:1.2;margin:0 0 .6em;color:var(--head,var(--fg))}
h1{font-size:clamp(2rem,4.5vw,3.3rem)}h2{font-size:clamp(1.5rem,3vw,2.2rem)}h3{font-size:1.25rem}
p{margin:0 0 1.1em}
.wrap{width:min(1140px,92vw);margin:0 auto}
.narrow{width:min(760px,92vw);margin:0 auto}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:#fff;color:#000;padding:.5rem 1rem;z-index:99}
.site-header{position:sticky;top:0;z-index:50;background:var(--header-bg,var(--bg));border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:68px}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--header-fg,var(--fg));font-family:var(--font-head);font-weight:800;font-size:1.15rem;letter-spacing:.01em}
.brand svg{width:34px;height:34px}
.nav{display:flex;gap:1.3rem;align-items:center}
.nav a{color:var(--header-fg,var(--fg));text-decoration:none;font-size:.95rem;font-weight:600;opacity:.88}
.nav a:hover,.nav a[aria-current]{opacity:1;text-decoration:underline;text-underline-offset:5px}
.nav-toggle{display:none;background:none;border:1px solid var(--line);color:var(--header-fg,var(--fg));border-radius:8px;padding:.45rem .7rem;font-size:1rem;cursor:pointer}
@media(max-width:860px){.nav-toggle{display:block}.nav{display:none;position:absolute;left:0;right:0;top:68px;background:var(--header-bg,var(--bg));flex-direction:column;align-items:flex-start;padding:1rem 4vw 1.5rem;border-bottom:1px solid var(--line)}.nav.open{display:flex}}
.btn{display:inline-block;background:var(--accent);color:var(--on-accent,#fff);padding:.8rem 1.4rem;border-radius:var(--radius);text-decoration:none;font-weight:700;border:2px solid var(--accent);cursor:pointer;font-size:1rem;font-family:inherit;transition:transform .15s}
.btn:hover{transform:translateY(-2px)}
.btn.ghost{background:transparent;color:var(--accent)}
.btn.small{padding:.5rem .95rem;font-size:.9rem}
.section{padding:clamp(3rem,7vw,5.5rem) 0}
.section.alt{background:var(--alt-bg)}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:800;color:var(--accent);margin-bottom:.7rem;display:block}
.lead{font-size:1.2rem;color:var(--muted)}
.muted{color:var(--muted)}
.grid{display:grid;gap:1.5rem}
.g2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;box-shadow:var(--shadow,none)}
.card h3 a{color:inherit;text-decoration:none}.card h3 a:hover{text-decoration:underline}
.tag{display:inline-block;font-size:.75rem;font-weight:700;padding:.2rem .6rem;border-radius:999px;background:var(--tag-bg);color:var(--tag-fg);margin-bottom:.6rem}
.prose h2{margin-top:2rem}.prose h3{margin-top:1.6rem}
.prose ul,.prose ol{padding-left:1.3rem;margin:0 0 1.2em}.prose li{margin-bottom:.4em}
.callout{border-left:4px solid var(--accent);background:var(--alt-bg);padding:1rem 1.25rem;border-radius:0 var(--radius) var(--radius) 0;margin:1.5rem 0}
.disclosure-bar{font-size:.85rem;background:var(--alt-bg);border:1px dashed var(--line);padding:.7rem 1rem;border-radius:var(--radius);margin:0 0 1.5rem}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{text-align:left;padding:.75rem .8rem;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--alt-bg);font-family:var(--font-head)}
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius)}
.signup{background:var(--signup-bg,var(--accent));color:var(--signup-fg,#fff);border-radius:calc(var(--radius)*1.5);padding:clamp(1.6rem,4vw,3rem);display:grid;gap:1.2rem;grid-template-columns:1.2fr 1fr;align-items:center}
.signup h2,.signup h3{color:inherit}
.signup p{margin:0;opacity:.92}
@media(max-width:760px){.signup{grid-template-columns:1fr}}
.signup form,.form{display:flex;flex-wrap:wrap;gap:.6rem}
.signup input,.form input,.form textarea,.form select{flex:1 1 220px;padding:.8rem 1rem;border-radius:var(--radius);border:1px solid var(--line);font:inherit;background:#fff;color:#111}
.form{flex-direction:column}.form label{font-weight:700;font-size:.92rem}
.form textarea{min-height:140px}
.signup button{background:var(--signup-btn,#111);color:var(--signup-btn-fg,#fff);border:0;border-radius:var(--radius);padding:.8rem 1.3rem;font-weight:800;cursor:pointer;font:inherit;font-weight:800}
.form-msg{flex-basis:100%;font-size:.88rem;margin:.3rem 0 0;min-height:1em}
.fine{font-size:.8rem;opacity:.8;flex-basis:100%}
.site-footer{background:var(--footer-bg);color:var(--footer-fg);padding:3rem 0 2rem;font-size:.92rem;margin-top:0}
.site-footer a{color:var(--footer-fg)}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem}
@media(max-width:760px){.footer-grid{grid-template-columns:1fr}}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:.35rem 0}
.footer-note{border-top:1px solid rgba(255,255,255,.15);margin-top:2rem;padding-top:1.2rem;font-size:.82rem;opacity:.85}
.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:1rem}.breadcrumb a{color:var(--muted)}
.article-meta{color:var(--muted);font-size:.9rem;margin-bottom:2rem}
.toc{background:var(--alt-bg);border-radius:var(--radius);padding:1rem 1.4rem;margin:1.5rem 0}
.placeholder{outline:2px dashed #e0457b;outline-offset:2px;background:rgba(224,69,123,.08)}
.page-hero{padding:clamp(2.5rem,6vw,4.5rem) 0 1.5rem}
details{border:1px solid var(--line);border-radius:var(--radius);padding:1rem 1.2rem;margin-bottom:.8rem;background:var(--card)}
summary{font-weight:700;cursor:pointer}
.checklist li{list-style:none;position:relative;padding-left:1.8rem}.checklist li::before{content:"☐";position:absolute;left:0;color:var(--accent);font-weight:700}
@media print{.site-header,.site-footer,.signup,.no-print{display:none!important}body{font-size:12pt}}

.topbar{background:var(--topbar-bg,#111);color:var(--topbar-fg,#fff);font-size:.82rem;text-align:center;padding:.45rem 4vw;line-height:1.4}
.topbar a{color:inherit}
.paid{font-size:.75rem;color:var(--muted);margin-left:.4rem;white-space:nowrap}
.btn-row{display:flex;flex-wrap:wrap;gap:.5rem;align-items:center;margin:.6rem 0}
.src{font-size:.82rem;color:var(--muted)}
.ad-slot{display:none}

:root{--bg:#f7f9fc;--fg:#13213a;--head:#0c2340;--accent:#0c7a5a;--on-accent:#fff;--link:#0b6b8a;--alt-bg:#eaf0f7;--card:#fff;--line:#d8e0ec;--muted:#526079;--radius:10px;--tag-bg:#e0f5ec;--tag-fg:#0c7a5a;
--font-head:"IBM Plex Sans","Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;--font-body:"IBM Plex Sans","Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;--header-bg:#fff;--header-fg:#0c2340;--footer-bg:#0c2340;--footer-fg:#c9d6ea;--signup-bg:#0c2340;--signup-fg:#e6fff5;--signup-btn:#10b981;--signup-btn-fg:#06231a;--topbar-bg:#0c2340;--topbar-fg:#dbe7f7}
h1,h2,h3{font-weight:700;letter-spacing:-.01em}
.nav{gap:1rem}.nav a{font-size:.9rem}
.hero{background:linear-gradient(135deg,#0c2340 0%,#13406b 100%);color:#e6eefb;padding:clamp(3rem,7vw,5.5rem) 0}
.hero h1{color:#fff}.hero .lead{color:#c1d3ec}.hero .btn{background:#10b981;border-color:#10b981;color:#06231a}.hero .btn.ghost{background:transparent;color:#fff;border-color:#6fa8dc}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:2.5rem;align-items:center}@media(max-width:860px){.hero .wrap{grid-template-columns:1fr}}
.notlender{background:#fff7e6;border:1px solid #f3c969;color:#5c4100;border-radius:10px;padding:1rem 1.2rem;font-size:.95rem;margin:1.5rem 0}
.flow{background:#fff;color:#13213a;border-radius:14px;padding:1.5rem;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.flow ol{margin:0;padding-left:1.2rem}.flow li{margin:.55rem 0}.flow .tag{margin:0 0 .6rem}
.offer{display:grid;grid-template-columns:1.1fr 1.4fr auto;gap:1.2rem;align-items:center}@media(max-width:860px){.offer{grid-template-columns:1fr}}
.offer .logo-ph{height:56px;border:2px dashed var(--line);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:.85rem}
.offer dl{display:grid;grid-template-columns:auto 1fr;gap:.25rem .8rem;margin:0;font-size:.92rem}.offer dt{color:var(--muted)}.offer dd{margin:0}
.rep{font-size:.82rem;color:var(--muted);border-top:1px solid var(--line);margin-top:1rem;padding-top:.8rem}
.vs{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem}@media(max-width:760px){.vs{grid-template-columns:1fr}}
.vs .card h3{margin-bottom:.4rem}.soft h3{color:#0c7a5a}.hard h3{color:#b45309}
.red li::marker{content:"⚠ "}