:root{--ink:#12263a;--muted:#56697a;--blue:#0b5cab;--blue2:#063b75;--sky:#eaf4fb;--red:#d22f2f;--paper:#fff;--line:#dce5ec;--soft:#f6f9fb;--max:1160px}
*{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-thickness:1px;text-underline-offset:3px}a:hover{color:var(--blue2)}img{max-width:100%}
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-inner{max-width:var(--max);margin:auto;display:flex;align-items:center;gap:28px;padding:14px 22px}.brand{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-weight:800;letter-spacing:-.02em}.mark{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--blue);color:#fff;font-size:18px;box-shadow:inset -7px -7px 0 rgba(255,255,255,.12)}
nav{margin-left:auto;display:flex;align-items:center;gap:20px}nav a{text-decoration:none;font-size:.94rem;font-weight:650;color:var(--ink)}.nav-cta{background:var(--red);color:#fff!important;padding:9px 14px;border-radius:8px}
.menu{display:none;margin-left:auto;border:1px solid var(--line);background:#fff;border-radius:8px;padding:8px 11px;font-weight:700}
.disclosure-bar{background:#f0f6fa;border-bottom:1px solid var(--line);font-size:.78rem;color:var(--muted);text-align:center;padding:6px 16px}
main{max-width:var(--max);margin:auto;padding:0 22px 70px}.hero{min-height:610px;display:grid;grid-template-columns:1.12fr .88fr;align-items:center;gap:70px;padding:80px 0}.hero h1,.article-head h1{font-size:clamp(2.5rem,6vw,5.1rem);line-height:1.02;letter-spacing:-.055em;margin:.15em 0 .25em;max-width:900px}.article-head h1{font-size:clamp(2.4rem,5vw,4.4rem)}.lead{font-size:1.2rem;color:var(--muted);max-width:760px}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.73rem;font-weight:800;color:var(--blue)}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 12px}.button{display:inline-flex;align-items:center;justify-content:center;background:var(--red);color:#fff!important;text-decoration:none;font-weight:800;border-radius:9px;padding:13px 18px;box-shadow:0 8px 20px rgba(210,47,47,.16)}.button.secondary{background:#fff;color:var(--blue)!important;border:1px solid var(--line);box-shadow:none}
.hero-visual{height:360px;position:relative;background:radial-gradient(circle at 50% 50%,#dbeefb 0,#eef7fc 45%,transparent 68%)}.mock-card{position:absolute;width:280px;height:176px;border-radius:18px;box-shadow:0 30px 60px rgba(18,38,58,.18)}.mock-card:before{content:"CARD COMPASS";position:absolute;left:22px;top:22px;color:#fff;font-weight:800;letter-spacing:.12em;font-size:.7rem}.mock-card:after{content:"••••  2046";position:absolute;left:22px;bottom:25px;color:#fff;font-weight:700;letter-spacing:.12em}.mock-card.one{background:linear-gradient(135deg,#092d52,#0b5cab);transform:rotate(-10deg);left:20px;top:70px}.mock-card.two{background:linear-gradient(135deg,#a81927,#e34848);transform:rotate(8deg);right:5px;top:115px}.compass{position:absolute;left:46%;top:42%;width:74px;height:74px;background:#fff;border-radius:50%;display:grid;place-items:center;font-size:38px;color:var(--blue);box-shadow:0 12px 30px rgba(18,38,58,.18);z-index:3}
section{padding:48px 0}.section-head{max-width:720px;margin-bottom:24px}h2{font-size:clamp(1.65rem,3vw,2.5rem);line-height:1.15;letter-spacing:-.035em;margin:.3em 0 .45em}h3{font-size:1.18rem;line-height:1.3}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{display:block;border:1px solid var(--line);border-radius:14px;padding:22px;background:#fff;text-decoration:none;color:var(--ink);transition:.2s}.card:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(18,38,58,.08);color:var(--ink)}.card p{color:var(--muted)}.mini-icon{color:var(--red)}.text-link{font-weight:800}
.split{display:grid;grid-template-columns:1fr 1fr;gap:18px}.split>div{background:var(--soft);border-radius:16px;padding:28px}.article-head{padding:76px 0 34px;border-bottom:1px solid var(--line)}article{max-width:900px}article section{padding:36px 0}.source-note,.callout{background:var(--sky);border-left:4px solid var(--blue);padding:16px 18px;margin:24px 0;border-radius:0 10px 10px 0;color:#29475f}.source-note{font-size:.9rem}.facts{padding:32px 0}.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.stat-grid div{border:1px solid var(--line);padding:20px;border-radius:12px}.stat-grid strong{font-size:1.7rem;display:block}.stat-grid span{font-size:.88rem;color:var(--muted)}
.offer{margin:50px 0;padding:30px;border-radius:18px;background:linear-gradient(120deg,#082e55,#0b5cab);color:#fff;display:flex;align-items:center;justify-content:space-between;gap:28px}.offer h2{margin:.15em 0}.offer p{color:#d9ebf8;max-width:650px}.offer .eyebrow{color:#9dd6ff}.offer .button{white-space:nowrap}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px}table{border-collapse:collapse;width:100%;min-width:600px}th,td{text-align:left;padding:16px;border-bottom:1px solid var(--line)}th{background:var(--soft)}.micro{font-size:.8rem;color:var(--muted)}
footer{border-top:1px solid var(--line);background:#f8fafc}.footer-inner{max-width:var(--max);margin:auto;padding:40px 22px;display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px;font-size:.9rem}.footer-inner p{color:var(--muted)}.footer-links{display:flex;flex-direction:column;gap:8px}
.popup{position:fixed;z-index:50;right:20px;bottom:20px;width:min(420px,calc(100vw - 32px));background:#fff;border:1px solid var(--line);box-shadow:0 20px 60px rgba(18,38,58,.25);border-radius:16px;padding:22px;display:none}.popup.show{display:block}.popup-close{position:absolute;right:10px;top:10px;border:0;background:transparent;font-size:24px;cursor:pointer}.popup h2{font-size:1.45rem;margin-top:0}.popup p{font-size:.9rem;color:var(--muted)}.popup .button{width:100%}
@media(max-width:800px){.header-inner{padding:12px 16px}.menu{display:block}nav{display:none;position:absolute;top:62px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:16px;flex-direction:column;align-items:stretch}nav.open{display:flex}.hero{grid-template-columns:1fr;padding:60px 0;min-height:auto}.hero-visual{height:300px}.grid{grid-template-columns:1fr}.split{grid-template-columns:1fr}.stat-grid{grid-template-columns:1fr}.offer{align-items:stretch;flex-direction:column}.footer-inner{grid-template-columns:1fr}.article-head{padding-top:55px}.hero h1,.article-head h1{letter-spacing:-.04em}.mock-card{width:235px;height:148px}.mock-card.one{left:0}.mock-card.two{right:0}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}