*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--brand:#1a1a1a;--accent:#b77d20;--accent-dark:#8e5f14;--text:#292929;--muted:#666;--light:#f8f6f2;--border:#e5e0d8;--warn:#fff7e7;--good:#eef7ef}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:#fff;line-height:1.72}
a{color:var(--accent-dark)}
.topbar{background:var(--brand);color:rgba(255,255,255,.78);font-size:.8rem;text-align:center;padding:8px 16px}
.topbar a{color:#e2b85d;text-decoration:none}
.header{background:#fff;border-bottom:1px solid var(--border);padding:0 24px;position:sticky;top:0;z-index:100}
.header__inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-weight:800;font-size:1.1rem;color:var(--brand);text-decoration:none}.logo span{color:var(--accent)}
.nav{display:flex;gap:24px;align-items:center}.nav a{color:var(--muted);text-decoration:none;font-size:.88rem}.nav a:hover{color:var(--brand)}
.btn-quote{background:var(--accent);color:#fff!important;padding:9px 18px;border-radius:6px;font-weight:700}
.breadcrumb{background:var(--light);border-bottom:1px solid var(--border);padding:10px 24px;font-size:.8rem;color:var(--muted)}
.breadcrumb-inner{max-width:820px;margin:0 auto}.breadcrumb a{text-decoration:none}
.article-wrap{max-width:820px;margin:0 auto;padding:44px 24px 80px}
.article-label{color:var(--accent-dark);font-size:.72rem;font-weight:800;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:10px}
h1{font-size:clamp(28px,5vw,44px);line-height:1.12;letter-spacing:-.02em;color:var(--brand);margin-bottom:16px}
.dek{font-size:1.13rem;color:#505050;line-height:1.65;margin-bottom:18px}
.byline{font-size:.84rem;color:var(--muted);margin-bottom:26px}.byline strong{color:var(--brand)}
.hero-image{margin:26px 0 30px}.hero-image img{display:block;width:100%;height:auto;border-radius:14px;border:1px solid var(--border);background:var(--light)}
figcaption{font-size:.78rem;color:var(--muted);line-height:1.5;margin-top:8px}
.article-wrap h2{font-size:1.48rem;line-height:1.25;color:var(--brand);margin:46px 0 14px;padding-top:12px;border-top:2px solid var(--border);scroll-margin-top:90px}
.article-wrap h3{font-size:1.12rem;line-height:1.35;color:var(--brand);margin:28px 0 9px}
.article-wrap p{margin-bottom:17px}.article-wrap ul,.article-wrap ol{margin:12px 0 22px 24px}.article-wrap li{margin-bottom:7px}
.article-wrap strong{color:var(--brand)}
.summary,.note,.warning{border-radius:10px;padding:20px 22px;margin:24px 0}
.summary{background:var(--light);border-left:4px solid var(--accent)}.summary ul{margin-bottom:0}
.note{background:var(--good);border:1px solid #cfe6d2}.warning{background:var(--warn);border:1px solid #ecd39d}
.toc{background:#fff;border:1px solid var(--border);border-radius:10px;padding:20px 24px;margin:28px 0}.toc strong{display:block;margin-bottom:8px}.toc ol{margin-bottom:0}.toc a{text-decoration:none}.toc a:hover{text-decoration:underline}
.table-wrap{overflow-x:auto;margin:18px 0 26px;border:1px solid var(--border);border-radius:10px}
table{width:100%;border-collapse:collapse;font-size:.93rem;min-width:620px}th,td{padding:12px 14px;text-align:left;vertical-align:top;border-bottom:1px solid var(--border)}th{background:var(--light);color:var(--brand)}tr:last-child td{border-bottom:0}
.decision-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:20px 0 28px}.decision-card{border:1px solid var(--border);border-radius:10px;padding:17px;background:#fff}.decision-card h3{margin:0 0 8px;font-size:1rem}.decision-card p{font-size:.9rem;margin:0;color:#555}
.inline-cta{display:flex;align-items:center;justify-content:space-between;gap:18px;background:var(--light);border:1px solid var(--border);border-radius:10px;padding:18px 20px;margin:26px 0}.inline-cta p{margin:0}.inline-cta a{white-space:nowrap;background:var(--accent);color:#fff;text-decoration:none;font-weight:700;padding:10px 16px;border-radius:6px}
.related{background:var(--light);border-radius:10px;padding:20px 24px;margin:34px 0}.related h2{border:0;margin:0 0 12px;padding:0;font-size:1.2rem}.related ul{margin-bottom:0}
.cta-box{background:var(--brand);color:#fff;border-radius:14px;padding:36px 28px;margin-top:52px;text-align:center}.cta-box h2{color:#fff;border:0;margin:0 0 8px;padding:0}.cta-box p{color:rgba(255,255,255,.75);margin-bottom:22px}.cta-buttons{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}.cta-buttons a{padding:12px 22px;border-radius:6px;text-decoration:none;font-weight:700}.btn-p{background:var(--accent);color:#fff}.btn-s{border:1px solid rgba(255,255,255,.4);color:#fff}
.footer{background:var(--brand);color:rgba(255,255,255,.65);font-size:.8rem;padding:34px 24px;text-align:center}.footer p{margin:5px}.footer a{color:#e2b85d;text-decoration:none}.footer strong{color:#fff}
@media(max-width:700px){.nav{display:none}.article-wrap{padding:32px 18px 64px}.decision-grid{grid-template-columns:1fr}.inline-cta{align-items:flex-start;flex-direction:column}.header{padding:0 18px}.breadcrumb{padding:10px 18px}}