:root{--ink:#132033;--muted:#5d6b7c;--paper:#f7f9fc;--card:#fff;--line:#dce3ec;--navy:#0c2748;--blue:#1d69d5;--cyan:#15a7b8;--gold:#f1b84b;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{width:min(var(--max),calc(100% - 36px));margin:auto}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.top{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:24px}
.logo{display:flex;align-items:center;gap:10px;font-weight:850;color:var(--navy);font-size:20px}.mark{width:34px;height:34px;border:3px solid var(--blue);border-radius:50%;position:relative}.mark:after{content:"";position:absolute;width:12px;height:3px;background:var(--gold);right:-8px;top:14px;transform:rotate(-28deg)}
nav{display:flex;gap:20px;font-size:14px;font-weight:700}nav a{color:var(--ink)}
.hero{background:linear-gradient(135deg,#0c2748,#154c83);color:white;padding:76px 0 66px}.hero .eyebrow,.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:12px;font-weight:800;color:#8bdce4}.hero h1{font-size:clamp(38px,6vw,64px);line-height:1.03;max-width:850px;margin:12px 0 18px}.hero p{font-size:20px;max-width:720px;color:#d9e7f6}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-block;padding:13px 18px;border-radius:8px;font-weight:800;background:var(--gold);color:#1f2937}.btn.alt{background:white;color:var(--navy)}.btn:hover{text-decoration:none;filter:brightness(.98)}
main{padding:48px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px}.card h2,.card h3{margin-top:0}.card p{color:var(--muted)}
.article{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:42px}.article h1{font-size:clamp(34px,5vw,52px);line-height:1.08;margin:.2em 0}.article h2{margin-top:42px;font-size:28px;line-height:1.2}.lede{font-size:20px;color:var(--muted)}.toc{position:sticky;top:94px;align-self:start}.note{border-left:4px solid var(--cyan);background:#eef9fb;padding:18px 20px;border-radius:0 8px 8px 0}.money{background:#0c2748;color:#fff;border-radius:14px;padding:28px;margin:34px 0}.money p{color:#d9e7f6}.money .small{font-size:12px;color:#b8c9db}
.steps{counter-reset:s}.step{counter-increment:s;margin:22px 0;padding-left:48px;position:relative}.step:before{content:counter(s);position:absolute;left:0;top:0;background:var(--blue);color:#fff;width:32px;height:32px;border-radius:50%;display:grid;place-items:center;font-weight:800}
table{width:100%;border-collapse:collapse;background:#fff;margin:24px 0}th,td{padding:13px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:#edf3fa}
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:22px}.related{margin-top:48px}.related ul{padding-left:20px}
footer{background:#091b30;color:#cbd8e6;padding:42px 0;margin-top:50px}footer a{color:white}.foot{display:grid;grid-template-columns:2fr 1fr;gap:30px}.disclosure{font-size:13px;color:#9fb1c5}
@media(max-width:820px){nav{display:none}.grid{grid-template-columns:1fr}.article{grid-template-columns:1fr}.toc{position:static}.hero{padding:54px 0}.foot{grid-template-columns:1fr}}

/* Production navigation and CTA */
header{position:sticky;top:0;z-index:50}
.top{min-height:72px}
.header-actions{display:flex;align-items:center;gap:16px}
.header-cta{white-space:nowrap;padding:10px 14px;font-size:14px}
.menu-toggle{display:none;border:0;background:transparent;padding:8px;cursor:pointer;color:var(--navy)}
.menu-toggle span{display:block;width:24px;height:2px;background:currentColor;margin:5px 0;border-radius:2px}
.mobile-menu{display:none;background:#fff;border-top:1px solid var(--line);padding:12px 18px 18px}
.mobile-menu.open{display:block}.mobile-menu a{display:block;padding:10px 0;font-weight:750;color:var(--ink)}
.sidebar-cta{margin-top:18px}.sidebar-cta .btn{width:100%;text-align:center}
.site-map-grid{columns:2;column-gap:42px}.site-map-grid li{break-inside:avoid;margin:0 0 9px}
.experience{background:#fff8e8;border-left-color:var(--gold)}
@media(max-width:820px){
  header{position:sticky;top:0}
  .top{min-height:64px;gap:8px}
  .logo{font-size:17px;white-space:nowrap}
  .logo .mark{width:28px;height:28px}
  .header-actions{margin-left:auto;gap:5px}
  .header-actions nav{display:none}
  .header-cta{font-size:12px;padding:9px 10px}
  .menu-toggle{display:block}
  .site-map-grid{columns:1}
}
@media(max-width:390px){
  .logo{font-size:0}.logo .mark{display:block}
  .header-cta{font-size:11px;padding:8px 9px}
}

/* Scroll CTA popup */
.cta-popup-backdrop{position:fixed;inset:0;background:rgba(5,17,31,.62);z-index:100;display:grid;place-items:center;padding:20px}
.cta-popup-backdrop[hidden]{display:none}.cta-popup{position:relative;width:min(520px,100%);background:#fff;border-radius:16px;padding:32px;box-shadow:0 24px 80px rgba(0,0,0,.28)}
.cta-popup h2{font-size:30px;line-height:1.15;margin:8px 0 10px}.cta-popup p{color:var(--muted)}
.popup-close{position:absolute;right:12px;top:8px;border:0;background:transparent;font-size:30px;line-height:1;cursor:pointer;color:var(--muted)}
.popup-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.popup-actions .alt{border:1px solid var(--line);cursor:pointer}
@media(max-width:820px){
  .menu-toggle,.mobile-menu{display:none!important}
  .top{justify-content:space-between}
  .header-actions{margin-left:auto}
  .header-cta{font-size:14px;padding:11px 16px}
  .logo{font-size:17px}
}
@media(max-width:390px){
  .logo{font-size:15px}.logo .mark{display:none}
  .header-cta{font-size:13px;padding:10px 13px}
}

/* Benchmark-informed navigation and editorial UX */
.mega-nav{display:flex;align-items:center;gap:16px}.nav-group{position:relative}.nav-label{display:block;padding:24px 0;color:var(--ink)}
.submenu{display:none;position:absolute;top:62px;left:-18px;width:260px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px;box-shadow:0 18px 50px rgba(12,39,72,.15)}
.nav-group:hover .submenu,.nav-group:focus-within .submenu{display:grid}.submenu strong{padding:5px 8px 9px}.submenu a{padding:8px;border-radius:7px;color:var(--ink);font-size:13px}.submenu a:hover{background:#f2f6fb;text-decoration:none}
.article-v2{display:grid;grid-template-columns:minmax(0,780px) 270px;gap:42px}.article-v2 article h1{font-size:clamp(34px,5vw,52px);line-height:1.08}.byline{font-size:13px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:14px}.byline span{margin-left:12px}
.quick-takeaways{background:#f1f7ff;border:1px solid #d6e5f7;border-radius:12px;padding:18px 22px;margin:24px 0}.quick-takeaways ul{margin-bottom:0}
.guide-toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:24px 0}.guide-toc ul{columns:2;margin-bottom:0}.guide-toc li{margin:5px 0}
.cluster-library{margin:30px 0}.cluster-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.cluster-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px}.cluster-card small{color:var(--muted)}.cluster-card strong{color:var(--ink)}.cluster-card span{font-size:12px;margin-top:6px}
.article-side{align-self:start}.article-side .card{position:static}.sidebar-buy{width:100%;text-align:center}
.editorial-note{border-top:1px solid var(--line);margin-top:36px;padding-top:20px;color:var(--muted);font-size:14px}
.footer-grid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:30px}.footer-grid a{display:block;margin:7px 0}.footer-grid h4{color:white;margin-top:0}
.hub{padding:52px 0}.hub h1{font-size:clamp(38px,6vw,60px);line-height:1.05}.hub section{margin:52px 0}.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.hub-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}.hub-card strong{color:var(--ink);font-size:18px}.hub-card span{color:var(--muted);font-size:14px;margin-top:7px}.hub-stats{display:flex;gap:24px;background:#0c2748;color:white;padding:18px 22px;border-radius:12px}
.path-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}.home-path{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;display:flex;flex-direction:column}.home-path strong{color:var(--ink)}.home-path span{font-size:12px;color:var(--muted);margin-top:6px}
@media(max-width:1050px){.mega-nav{gap:10px;font-size:12px}.nav-label{padding:25px 0}.header-cta{padding:9px 10px}.path-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:820px){
 .mega-nav{display:none!important}.header-actions{margin-left:auto}.article-v2{grid-template-columns:1fr}.article-side{display:none}
 .cluster-grid,.hub-grid,.path-grid{grid-template-columns:1fr}.guide-toc ul{columns:1}.footer-grid{grid-template-columns:1fr 1fr}
 .header-cta{font-size:14px;padding:11px 16px}.top{justify-content:space-between}
}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr}.hub-stats{flex-direction:column;gap:4px}}