:root{--navy:#0B1B33;--blue:#2457F5;--blue-dark:#1B44C8;--green:#0B7A4B;--green-light:#3DDC97;--amber:#FFB020;--cloud:#F5F8FC;--white:#fff;--line:#DCE4F0;--slate:#5B6B82;--ink-soft:#C9D4E6;--radius:14px;--font-head:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;--font-display:'Fraunces',Georgia,'Times New Roman',serif;--font-body:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--cloud);color:var(--navy);font-family:var(--font-body);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto}
a{color:var(--blue);text-underline-offset:3px}
a:hover{color:var(--blue-dark)}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px;border-radius:4px}
.skip-link{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 12px;border-radius:8px;z-index:60}
.skip-link:focus{left:8px}
.wrap{width:100%;max-width:1120px;margin-inline:auto;padding-inline:20px}
h1,h2,h3{font-family:var(--font-display);color:var(--navy);letter-spacing:-.02em;text-wrap:balance}

.site-header{background:rgba(255,255,255,.94);-webkit-backdrop-filter:saturate(180%) blur(10px);backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30}
.header-row{display:flex;align-items:center;gap:20px;min-height:68px}
.brand{white-space:nowrap;flex:none;font-family:var(--font-display);font-weight:800;font-size:21px;color:var(--navy);text-decoration:none;letter-spacing:-.03em}
.brand:hover{color:var(--navy)}
.main-nav{display:flex;gap:2px;overflow-x:auto;flex:1;min-width:0;scrollbar-width:none;-webkit-mask-image:linear-gradient(to right,#000 calc(100% - 28px),transparent);mask-image:linear-gradient(to right,#000 calc(100% - 28px),transparent)}
.main-nav::-webkit-scrollbar{display:none}
.main-nav a{white-space:nowrap;color:var(--slate);text-decoration:none;font-size:14px;font-weight:500;padding:8px 11px;border-radius:8px}
.main-nav a:hover{color:var(--navy);background:var(--cloud)}
.main-nav a[aria-current="page"]{color:var(--blue);background:#E8EEFF}
.header-actions{display:flex;align-items:center;gap:10px;flex:none}

.btn{display:inline-block;font-family:var(--font-head);font-weight:700;font-size:14px;letter-spacing:-.005em;text-decoration:none;text-align:center;border-radius:10px;padding:11px 18px;border:1px solid transparent;cursor:pointer;white-space:nowrap;transition:background-color .15s,border-color .15s,color .15s}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--blue-dark);color:#fff}
.btn-outline{background:var(--white);color:var(--navy);border-color:var(--line)}
.btn-outline:hover{border-color:var(--blue);color:var(--blue)}
.btn-block{display:block;width:100%}

.menu-toggle,.icon-btn{display:none;align-items:center;justify-content:center;width:44px;height:44px;border-radius:10px;border:1px solid var(--line);background:var(--white);color:var(--navy);cursor:pointer;padding:0}
.menu-toggle:hover,.icon-btn:hover{border-color:var(--blue);color:var(--blue)}
.icon-btn{display:inline-flex}
.drawer,.drawer-overlay{display:none}

.crumbs{font-size:14px;color:var(--slate);margin:0 0 20px;display:flex;flex-wrap:wrap;gap:8px}
.crumbs a{color:var(--slate)}
.kicker{margin:0 0 10px;color:var(--green);font-weight:600;font-size:13px;letter-spacing:.06em;text-transform:uppercase}
.lead{font-size:20px;line-height:1.55;color:var(--slate);margin:0 0 16px;text-wrap:pretty}

.hero{position:relative;color:#fff;padding:60px 0 56px;border-bottom:1px solid rgba(255,255,255,.08);background:radial-gradient(900px 420px at 88% -20%,rgba(36,87,245,.5),transparent 60%),radial-gradient(640px 320px at 0% 120%,rgba(11,122,75,.32),transparent 65%),var(--navy)}
.hero-grid{display:grid;grid-template-columns:1fr;gap:36px;align-items:center}
.hero h1{color:#fff;font-size:clamp(34px,6.2vw,58px);line-height:1.05;letter-spacing:-.035em;font-weight:800;margin:0 0 18px;max-width:680px}
.hero .kicker{color:var(--green-light)}
.hero .lead{color:var(--ink-soft);max-width:560px;font-size:clamp(17px,2.2vw,20px)}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0 22px}
.hero .btn-primary{background:#fff;color:var(--navy)}
.hero .btn-primary:hover{background:#E8EEFF;color:var(--navy)}
.hero .btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}
.hero .btn-outline:hover{border-color:#fff;color:#fff}
.market-switch{font-size:14px;color:#9FB0CC;margin:0;display:flex;flex-wrap:wrap;gap:6px 10px;align-items:center}
.market-switch a{color:var(--ink-soft);text-decoration:none;padding:4px 13px;border-radius:999px;border:1px solid rgba(255,255,255,.22);font-weight:500}
.market-switch a:hover{border-color:#fff;color:#fff}
.market-switch a[aria-current="true"]{background:#fff;border-color:#fff;color:var(--navy)}
.trust-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:24px;-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}
.trust-card h2{font-size:18px;margin:0 0 16px;color:#fff}
.trust-card ul{list-style:none;margin:0;padding:0;display:grid;gap:15px;font-size:15px;color:var(--ink-soft)}
.trust-card li{padding-left:34px;position:relative;line-height:1.55}
.trust-card li::before{content:"\2713";position:absolute;left:0;top:1px;width:23px;height:23px;border-radius:50%;background:rgba(61,220,151,.18);color:var(--green-light);font-size:12px;font-weight:700;display:flex;align-items:center;justify-content:center;line-height:1}
.trust-card strong{color:#fff}

.block{margin-top:56px}
.block>h2{font-size:28px;line-height:1.2;margin:0 0 18px;font-weight:800}
.tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px}
.tile{position:relative;display:flex;flex-direction:column;gap:6px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:20px;text-decoration:none;color:var(--navy);transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease}
.tile::after{content:"\2192";position:absolute;top:18px;right:20px;color:var(--slate);transition:transform .18s ease,color .18s ease}
.tile:hover{transform:translateY(-3px);border-color:var(--blue);box-shadow:0 12px 30px rgba(11,27,51,.09);color:var(--navy)}
.tile:hover::after{color:var(--blue);transform:translateX(3px)}
.tile-icon{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:8px}
.tile-icon.is-blue{background:#E8EEFF;color:var(--blue)}
.tile-icon.is-green{background:#E3F5EC;color:var(--green)}
.tile-title{font-family:var(--font-display);font-weight:700;font-size:19px;letter-spacing:-.015em}
.tile-text{font-size:14px;color:var(--slate);line-height:1.5}
.tile-meta{font-size:13px;color:var(--blue);font-weight:600;margin-top:auto;padding-top:8px}

.notice{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:12px 14px;font-size:14px;color:var(--slate);margin:0 0 16px}
.notice strong{color:var(--navy)}
.notice-warn{background:#FFF7E0;border-color:var(--amber);color:var(--navy)}
.tag{display:inline-block;background:var(--amber);color:var(--navy);font-size:12px;font-weight:600;padding:3px 10px;border-radius:6px}
.badge{display:inline-block;background:#E8EEFF;color:var(--blue-dark);font-size:12px;font-weight:600;padding:2px 9px;border-radius:6px;margin-right:4px}

.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(290px,1fr));gap:20px;margin-top:24px}
.card{position:relative;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:border-color .18s ease,box-shadow .18s ease}
.card:hover{border-color:#B9C8E6;box-shadow:0 12px 30px rgba(11,27,51,.08)}
.card-img{display:block;width:100%;aspect-ratio:640/336;object-fit:cover}
.card-body{padding:18px 20px 20px}
.card-title{font-size:20px;line-height:1.28;margin:8px 0 8px;font-weight:700}
.card-title a{color:var(--navy);text-decoration:none}
.card-title a::after{content:"";position:absolute;inset:0}
.card-title a:hover{color:var(--blue)}
.card-text{margin:0 0 12px;color:var(--slate);font-size:15px;line-height:1.55}
.card-meta{margin:0;font-size:13px;color:var(--slate)}
.feature{margin:0 0 20px}
.feature-title{font-size:28px;letter-spacing:-.025em}
.pager{display:flex;gap:12px;justify-content:center;margin-top:32px}
.section-page{padding-top:36px;padding-bottom:64px}
.section-head h1{font-size:clamp(32px,5vw,44px);line-height:1.1;letter-spacing:-.03em;margin:0 0 12px;font-weight:800}
.market-note{color:var(--slate);font-weight:700}

.article{max-width:740px;margin-inline:auto;padding:36px 20px 72px}
.article-head h1{font-size:clamp(32px,5.4vw,46px);line-height:1.1;letter-spacing:-.03em;margin:0 0 16px;font-weight:800}
.byline{font-size:14px;color:var(--slate);margin:0 0 26px}
.byline strong{color:var(--navy)}
.dot{margin:0 6px}
.cover{margin:0 0 30px}
.cover img{width:100%;aspect-ratio:1200/630;object-fit:cover;border-radius:var(--radius);border:1px solid var(--line)}
.prose{font-size:18px;line-height:1.75}
.prose h2{font-size:29px;line-height:1.22;margin:2.2em 0 .55em;padding-top:1.1em;border-top:1px solid var(--line);scroll-margin-top:88px;font-weight:800}
.prose h3{font-size:22px;line-height:1.3;margin:1.7em 0 .45em;scroll-margin-top:88px;font-weight:700}
.prose p{margin:0 0 1.15em;text-wrap:pretty}
.prose ul,.prose ol{margin:0 0 1.15em;padding-left:1.35em}
.prose li{margin:.35em 0}
.prose li::marker{color:var(--blue);font-weight:600}
.prose a{font-weight:500;text-decoration-thickness:1px}
.prose strong{font-weight:600}
.prose blockquote{margin:1.6em 0;padding:14px 18px;border-left:4px solid var(--blue);background:var(--white);border-radius:0 10px 10px 0;color:var(--slate)}
.prose blockquote p:last-child{margin-bottom:0}
.prose img{border-radius:10px}
.prose table{display:block;overflow-x:auto;border-collapse:collapse;margin:0 0 1.3em;font-variant-numeric:tabular-nums;font-size:16px}
.prose th,.prose td{border:1px solid var(--line);padding:9px 13px;text-align:left}
.prose th{background:var(--white);font-weight:600}
.sources{padding-left:20px;font-size:15px}
.faq{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:15px 18px;margin:0 0 10px}
.faq summary{font-family:var(--font-head);font-weight:700;cursor:pointer;letter-spacing:-.01em}
.faq p{margin:10px 0 0;color:var(--slate)}
.earn{margin-top:56px;background:var(--white);border:1px solid var(--line);border-left:4px solid var(--amber);border-radius:var(--radius);padding:24px}
.earn h2{font-size:23px;margin:12px 0 8px}
.earn p{margin:0 0 18px;color:var(--slate);font-size:16px}
.author-box{display:flex;gap:16px;margin:40px 0 0;padding:20px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);font-size:15px}
.author-box img{width:72px;height:72px;border-radius:50%;object-fit:cover;flex:none}
.author-box p{margin:0 0 6px}
.author-name{font-family:var(--font-head);font-weight:700;font-size:17px}
.author-role{color:var(--slate)}
.author-creds{color:var(--slate);font-size:14px}
.disclaimer{margin:28px 0 0;font-size:14px;color:var(--slate)}

.site-footer{background:var(--navy);color:var(--ink-soft);padding:52px 0 34px;margin-top:64px}
.footer-grid{display:grid;grid-template-columns:1fr;gap:30px}
.footer-grid ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.footer-title{font-family:var(--font-head);color:#fff;font-size:14px;font-weight:700;letter-spacing:.02em;margin:0 0 14px}
.site-footer a{color:var(--ink-soft);text-decoration:none;font-size:14px}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer .brand{color:#fff;font-size:21px}
.footer-brand .footer-note{margin-top:12px;font-size:14px;color:var(--ink-soft);max-width:320px}
.footer-legal{margin-top:36px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12)}
.footer-note{font-size:13px;margin:0 0 8px;max-width:760px;color:#9FB0CC}

@media (min-width:760px){.feature{flex-direction:row}.feature>a{flex:0 0 46%}.feature-img{width:100%;height:100%;aspect-ratio:auto;object-fit:cover}.feature .card-body{padding:26px;flex:1}.footer-grid{grid-template-columns:1.5fr 1fr 1fr 1fr}}
@media (min-width:860px){.hero-grid{grid-template-columns:1.25fr 1fr;gap:56px}}

@media (max-width:1199px){
  .header-actions{margin-left:auto}
  .js .menu-toggle{display:inline-flex}
  .js .main-nav{display:none}
  .js .drawer-overlay{display:block;position:fixed;inset:0;background:rgba(11,27,51,.55);opacity:0;visibility:hidden;transition:opacity .25s ease,visibility 0s linear .25s;z-index:40}
  .js .drawer{display:flex;flex-direction:column;position:fixed;top:0;right:0;bottom:0;width:min(86vw,360px);background:var(--white);z-index:50;transform:translateX(100%);visibility:hidden;overflow-y:auto;box-shadow:-12px 0 40px rgba(11,27,51,.18);transition:transform .25s ease,visibility 0s linear .25s}
  html.menu-open{overflow:hidden}
  html.menu-open .drawer{transform:none;visibility:visible;transition:transform .25s ease}
  html.menu-open .drawer-overlay{opacity:1;visibility:visible;transition:opacity .25s ease}
  .drawer-head{display:flex;align-items:center;justify-content:space-between;padding:12px 16px 12px 20px;border-bottom:1px solid var(--line)}
  .drawer-nav{display:flex;flex-direction:column;padding:8px 0}
  .drawer-nav a{display:block;padding:15px 20px;font-family:var(--font-head);font-weight:700;font-size:17px;color:var(--navy);text-decoration:none;border-bottom:1px solid var(--line)}
  .drawer-nav a:hover{background:var(--cloud)}
  .drawer-nav a[aria-current="page"]{color:var(--blue);background:#E8EEFF}
  .drawer-foot{margin-top:auto;padding:20px;border-top:1px solid var(--line);background:var(--cloud)}
  .drawer-links{list-style:none;margin:18px 0 0;padding:0;display:grid;gap:10px}
  .drawer-links a{color:var(--slate);text-decoration:none;font-size:15px}
  .drawer-links a:hover{color:var(--blue)}
}

@media (max-width:640px){body{font-size:16px}.prose{font-size:17px}.prose h2{font-size:25px}.header-row{gap:10px}.brand{font-size:19px}.btn{padding:10px 14px}.author-box{flex-direction:column}.hero{padding:40px 0 38px}.block>h2{font-size:25px}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* type-v2: Fraunces for navigation and article text */
:root{--font-text:'Fraunces',Georgia,'Times New Roman',serif}

.site-header .main-nav a{font-family:var(--font-text);font-size:14px;font-weight:500;padding:8px 9px}
.site-header .header-login{font-family:var(--font-text);font-weight:600}
.site-header .btn,.drawer .btn{font-family:var(--font-text);font-weight:700}
.drawer .drawer-nav a{font-family:var(--font-text);font-weight:600}
.drawer .drawer-login,.drawer .drawer-links a{font-family:var(--font-text)}
.crumbs,.crumbs a{font-family:var(--font-text)}
.a-side .toc a,.toc-mobile summary,.toc-mobile a{font-family:var(--font-text)}

.prose,.a-lead,.sources,.faq summary,.faq p,.author-box p,.disclaimer{font-family:var(--font-text)}
.prose{font-weight:400;font-size:19px;line-height:1.7}
@media (max-width:640px){.prose{font-size:18px}}