:root{--ink:#273239;--muted:#69767b;--paper:#f4f7f5;--panel:#fff;--line:#dce4df;--deep:#243f43;--mid:#3e6970;--sage:#8daf98;--amber:#d6ae65;--blue:#7e9fb2;--red:#b87970;--shadow:0 14px 38px rgba(34,61,64,.10);--wrap:min(1480px,calc(100% - 36px))}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:linear-gradient(90deg,rgba(45,75,70,.022) 1px,transparent 1px),linear-gradient(rgba(45,75,70,.022) 1px,transparent 1px),var(--paper);background-size:34px 34px;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.68}
a{color:#386f79;text-underline-offset:3px}.wrap{width:var(--wrap);margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:#fff;padding:10px;z-index:100}.site-header{background:var(--deep);color:#fff;position:sticky;top:0;z-index:40}.nav-row{min-height:74px;display:flex;align-items:center;gap:18px}.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none;font-weight:900;min-width:300px}.mark{width:48px;height:48px;border-radius:13px;background:linear-gradient(145deg,var(--amber),var(--sage));display:grid;place-items:center;color:var(--deep);font-size:.66rem;font-weight:950}.brand-copy{display:flex;flex-direction:column;line-height:1.05}.brand-copy small{font-size:.60rem;color:#d8e5e2;text-transform:uppercase;letter-spacing:.08em}.nav-links{margin-left:auto;display:flex;gap:3px;flex-wrap:wrap}.nav-links a{color:#fff;text-decoration:none;padding:8px 10px;border-radius:8px;font-weight:760;font-size:.89rem}.nav-links a:hover,.nav-links a[aria-current=page]{background:rgba(255,255,255,.11)}.nav-toggle{display:none;margin-left:auto;background:transparent;color:#fff;border:1px solid #99adb0;border-radius:8px;padding:8px 10px}
.hero{background:radial-gradient(circle at 85% 16%,rgba(214,174,101,.26),transparent 24rem),radial-gradient(circle at 95% 83%,rgba(141,175,152,.23),transparent 22rem),linear-gradient(125deg,#243f43,#50777c);color:#fff;padding:76px 0 62px}.hero-grid{display:grid;grid-template-columns:1.04fr .96fr;gap:54px;align-items:center}.eyebrow,.kicker{font-size:.76rem;font-weight:900;text-transform:uppercase;letter-spacing:.08em}.eyebrow{color:#efd398}.kicker{color:#477982}h1,h2,h3{line-height:1.14;letter-spacing:-.03em}h1{font-size:clamp(2.2rem,5vw,4.45rem);margin:.25em 0}.hero p{font-size:1.16rem;color:#f3f7f6}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.btn{display:inline-flex;padding:12px 16px;border-radius:10px;font-weight:850;text-decoration:none;border:1px solid transparent}.btn-primary{background:var(--amber);color:#274146}.btn-secondary{border-color:#cedbd9;color:#fff}
.riskboard{background:rgba(30,55,58,.4);border:1px solid rgba(255,255,255,.18);border-radius:20px;padding:22px}.riskrow{display:grid;grid-template-columns:125px 1fr;gap:14px;align-items:center;background:#fff;color:#2b363b;border-radius:11px;padding:13px;margin:9px 0;border-left:5px solid var(--sage)}.riskrow:nth-child(2){border-color:var(--amber)}.riskrow:nth-child(3){border-color:var(--blue)}.riskrow:nth-child(4){border-color:var(--red)}.riskrow b{font-size:.84rem}.riskrow span{font-size:.77rem;color:#68767b}
.section{padding:60px 0}.section-tight{padding:42px 0}.lead{font-size:1.13rem;color:#617076;max-width:930px}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.card,.article,.toc{background:var(--panel);border:1px solid var(--line);box-shadow:var(--shadow)}.card{border-radius:18px;padding:24px}.card-link{display:block;color:inherit;text-decoration:none;transition:.16s}.card-link:hover{transform:translateY(-2px)}
.page-head{padding:52px 0 28px}.page-head h1{font-size:clamp(2.1rem,4vw,3.55rem)}.page-head p{font-size:1.1rem;color:#637178;max-width:930px}.breadcrumbs,.meta,.small,.notice{font-size:.86rem;color:#707d82}.pill{display:inline-flex;background:#eaf1ed;color:#456d64;padding:5px 9px;border-radius:999px;margin:2px;font-size:.76rem;font-weight:850}.article-shell{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:40px;align-items:start}.article{border-radius:20px;padding:clamp(24px,4vw,50px)}.article h2{margin-top:1.6em;font-size:clamp(1.5rem,2.6vw,2.05rem)}.article p,.article li{max-width:84ch}.toc{position:sticky;top:94px;border-radius:14px;padding:20px}.toc a{display:block;color:#64757a;text-decoration:none;padding:6px 0}
.tool{background:linear-gradient(145deg,#2d5054,#4d767b);color:#fff;padding:26px;border-radius:18px}.checklist label{display:flex;gap:10px;align-items:flex-start;background:rgba(255,255,255,.08);padding:10px;border-radius:8px;margin:8px 0}.checklist input{width:auto;margin-top:5px}.result{background:#fff;color:#29383d;border-radius:10px;padding:17px;margin-top:18px}.faq details{border:1px solid var(--line);border-radius:10px;padding:14px;margin:10px 0}.faq summary{font-weight:850;cursor:pointer}
.site-footer{margin-top:60px;background:#203d41;color:#dfe9e7;padding:42px 0 26px}.footer-grid{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:26px}.site-footer h3{color:#fff}.site-footer a{color:#e8eeee}.footer-brand{color:#fff;font-weight:900}.footer-note{margin-top:22px;padding-top:16px;border-top:1px solid rgba(255,255,255,.12);font-size:.84rem;color:#b7c6c3}.not-found{text-align:center;padding:90px 20px}.code{font-size:5rem;font-weight:950;color:#88ad97}
@media(max-width:980px){.hero-grid,.article-shell{grid-template-columns:1fr}.toc{position:static}.grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:760px){:root{--wrap:min(100% - 24px,1480px)}.site-header{position:relative}.brand{min-width:0;max-width:76%}.brand-copy small{display:none}.nav-toggle{display:block}.nav-links{display:none;position:absolute;top:66px;left:0;right:0;background:#3e6970;padding:12px 18px;flex-direction:column}.nav-links.open{display:flex}.grid,.grid-2,.footer-grid{grid-template-columns:1fr}.riskrow{grid-template-columns:1fr}.article{padding:22px 18px}}