:root{--navy:#1b2a4a;--gold:#c9a227;--cream:#fbf8f2;--ink:#263248;--muted:#536078;--line:#d8dce5;--cta:#a23f00}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font:20px/1.75 Georgia,'Times New Roman',serif}a{color:var(--navy);text-underline-offset:4px;overflow-wrap:anywhere}a:focus-visible,summary:focus-visible{outline:3px solid #007780;outline-offset:5px}header{background:#fff;border-bottom:1px solid var(--line)}.nav,.wrap{max-width:1150px;margin:auto;padding:22px 28px}.nav{display:flex;align-items:center;justify-content:space-between;gap:22px;flex-wrap:wrap;font:17px/1.5 'Segoe UI',Arial,sans-serif}.brand{font-weight:750;text-decoration:none}.nav nav{display:flex;gap:24px;flex-wrap:wrap}h1,h2,h3,.eyebrow,.button,.meta{font-family:'Segoe UI',Arial,sans-serif}h1{font-size:clamp(32px,4.5vw,49px);line-height:1.16;margin:15px 0 24px;letter-spacing:-1px}h2{font-size:29px;line-height:1.3;margin:42px 0 14px}h3{font-size:22px;line-height:1.4}.eyebrow{font-size:14px;letter-spacing:1.3px;font-weight:750;text-transform:uppercase;color:var(--muted)}.hero{background:var(--navy);color:#fff;padding:42px 0}.hero .wrap{max-width:1150px}.hero h1{max-width:900px}.hero .eyebrow{color:#efd577}.hero p{max-width:800px;color:#f1eee8;font-size:23px}.meta{font-size:16px;line-height:1.6;color:var(--muted)}.hero .meta{color:#e2e7ee;font-size:16px}.layout{display:grid;grid-template-columns:minmax(0,780px) minmax(220px,290px);gap:42px;align-items:start;padding-top:38px;padding-bottom:48px}article{min-width:0;background:#fff;padding:26px 30px;border:1px solid var(--line);border-radius:8px}article>p:first-child{margin-top:0}p{margin:16px 0}li{margin:9px 0}ul,ol{padding-left:27px}.summary,.note,.offer,.question{padding:22px 24px;border-radius:8px}.summary{background:#eef3f8;border-left:4px solid var(--navy)}.summary h2{margin-top:0;font-size:24px}.note{background:#fff8e4;border-left:4px solid var(--gold);font-size:18px}.question{background:var(--cream);border:1px solid var(--line);margin:22px 0}.question p{margin:0}.offer{background:var(--navy);color:white;margin:34px 0}.offer h2,.offer h3{color:white;margin-top:0}.offer .meta{color:#eef0f5}.button{display:inline-block;background:#efd16f;color:#1b2a4a;text-decoration:none;font-weight:750;padding:14px 21px;border-radius:6px;font-size:18px;line-height:1.45;text-align:center}.button:hover{background:#f7df92}.button.paid{background:var(--cta);color:#fff}.rail{position:sticky;top:24px}.rail .card{background:#fff;border:1px solid var(--line);padding:24px;border-radius:8px;margin-bottom:20px}.rail h2{font-size:23px;margin:0 0 16px}.rail img{display:block;max-width:150px;width:100%;height:auto;margin:0 auto 20px}.rail p{font-size:18px}.rail .button{width:100%}.price{font:700 31px/1.4 'Segoe UI',Arial,sans-serif}.table-wrap{overflow:auto}table{border-collapse:collapse;width:100%;font-size:18px;margin:22px 0}caption{text-align:left;font-weight:bold;margin-bottom:10px}th,td{text-align:left;padding:12px;border:1px solid var(--line)}th{background:#eef3f8}.sources{font-size:17px;border-top:1px solid var(--line);padding-top:18px;margin-top:30px}.sources h2{font-size:22px;margin-top:0}details{border-bottom:1px solid var(--line);padding:16px 0}summary{cursor:pointer;font-weight:bold}.cards{display:grid;grid-template-columns:2fr 1fr;gap:28px;padding-top:40px;padding-bottom:50px}.card{background:#fff;border:1px solid var(--line);padding:28px;border-radius:8px}.card img.cover{display:block;width:100%;height:auto;border-radius:5px}.card h2{margin-top:20px}.card .button{margin-top:12px}.card p{font-size:19px}.foot{background:#1b2a4a;color:#eef0f5;padding:12px 0;font:16px/1.65 'Segoe UI',Arial,sans-serif}.foot a{color:#fff}.foot nav{display:flex;flex-wrap:wrap;gap:20px}.skip{position:absolute;left:10px;top:-100px;background:white;padding:10px;z-index:5}.skip:focus{top:10px}@media(max-width:900px){.layout,.cards{grid-template-columns:1fr;gap:24px}.rail{position:static;display:grid;grid-template-columns:1fr 1fr;gap:18px}.rail .card{margin:0}.rail img{max-width:95px}}@media(max-width:600px){body{font-size:19px}.wrap,.nav{padding-left:20px;padding-right:20px}.nav{font-size:15px;gap:12px}.nav nav{gap:15px}article{padding:20px 18px}.hero{padding:22px 0}.hero p{font-size:20px}h1{letter-spacing:-.5px}h2{font-size:26px}.rail{grid-template-columns:1fr}.rail img{display:none}.summary,.offer,.question,.note{padding:18px}.button{width:100%}.card{padding:22px}.table-wrap{margin-left:-6px;margin-right:-6px}table{font-size:16px}.meta{font-size:15px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{header,.rail,.offer,.foot,.skip{display:none}body{background:#fff;font-size:12pt}.layout{display:block}article{border:0;padding:0}h1{font-size:25pt}.hero{background:#fff;color:#000;padding:0}.hero p,.hero .meta,.hero .eyebrow{color:#000}a{color:#000}.wrap{max-width:none;padding:0}.note,.question,.summary{break-inside:avoid}}

/* Compact article list keeps all topics easy to scan. */
.post-list{display:grid;gap:24px;min-width:0}.cards{align-items:start}.post-card{display:grid;grid-template-columns:160px minmax(0,1fr);gap:24px;padding:24px}.post-cover{align-self:start}.post-card .cover{margin-top:5px}.post-card h2{margin:8px 0 12px;font-size:25px}.post-card p{margin:10px 0}.post-card .meta{font-size:15px}.post-card .button{margin-top:4px}.blog-freebie{position:sticky;top:24px}.blog-freebie h2{margin-top:16px}@media(max-width:900px){.blog-freebie{position:static}}@media(max-width:600px){.post-card{grid-template-columns:1fr;gap:10px}.post-card .cover{max-width:260px}.post-card h2{font-size:25px}}

@media(max-width:600px){table.dossier{display:block}table.dossier caption{display:block}table.dossier thead{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}table.dossier tbody,table.dossier tr,table.dossier td{display:block;width:100%}table.dossier tr{border:1px solid var(--line);border-radius:6px;margin-bottom:16px;padding:8px 12px}table.dossier td{border:0;padding:7px 0}table.dossier td::before{content:attr(data-label) " : ";font-family:"Segoe UI",Arial,sans-serif;font-weight:700}table.dossier td:first-child{color:var(--navy);font-weight:700}}

/* Blog collection V3 */
.blog-tools{display:grid;grid-template-columns:1fr 1fr;gap:16px;font:16px/1.5 'Segoe UI',Arial,sans-serif}.blog-tools label{display:block;font-weight:700;margin-bottom:7px}.blog-tools input,.blog-tools select{box-sizing:border-box;width:100%;min-width:0;padding:12px;border:1px solid #9ca8b9;background:#fff;border-radius:6px;color:var(--ink);font:16px 'Segoe UI',Arial,sans-serif}.post-card[hidden],#blog-empty[hidden]{display:none}.article-v3 .definition{margin:24px 0}.article-v3 .article-toc h2{margin-top:0;font-size:23px}.article-v3 .article-toc ul{margin-bottom:0}.article-v3 .next-action{border-left:4px solid var(--gold);padding:10px 0 10px 20px;margin:30px 0}.article-v3 .question p{margin:12px 0}.blog-tools input:focus-visible,.blog-tools select:focus-visible{outline:3px solid #007780;outline-offset:3px}@media(max-width:600px){.blog-tools{grid-template-columns:1fr}.article-v3 table.dossier caption{font-size:17px}}

/* SEO 2026-10-02 */
.crumbs{font:15px/1.5 'Segoe UI',Arial,sans-serif;color:#e5eaf3;margin:0 0 14px}.crumbs a{color:#fff;text-decoration:underline;text-underline-offset:3px}.crumbs span[aria-hidden]{margin:0 7px;color:#efd577}.related-topic ul{padding-left:22px}.related-topic li{margin:8px 0}

/* Legal 2026-10-02 */
.legal{max-width:780px;margin:0 auto;padding:10px 28px 50px;background:#fff}.legal h2{margin-top:34px}