:root{
  --bg:#f4f7fb;--ink:#16202c;--muted:#5b6b7d;--line:#e2e8f1;--card:#fff;
  --brand:#0e7c86;--brand-d:#0a5d65;--accent:#ff7a3d;--accent-d:#e85f23;
  --gold:#f2b705;--good:#1f9d6b;--bad:#d6453d;--shadow:0 10px 30px rgba(16,42,67,.08);--r:16px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Segoe UI',system-ui,-apple-system,Roboto,Arial,sans-serif;color:var(--ink);
  background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
a{color:var(--brand-d)}
h1,h2,h3{line-height:1.25;color:#10212f}
h1{font-size:clamp(1.7rem,4.5vw,2.5rem);margin:.2em 0 .4em;letter-spacing:-.02em}
h2{font-size:clamp(1.3rem,3.4vw,1.85rem);margin:1.7em 0 .5em;letter-spacing:-.01em}
h3{font-size:1.15rem;margin:1.3em 0 .4em}
.wrap{max-width:780px;margin:0 auto;padding:0 18px}
p{margin:.7em 0}
.lead{font-size:1.08rem;color:#26384a}
ul.clean{padding-left:1.2em}
ul.clean li{margin:.35em 0}
.topbar{background:#fff;border-bottom:1px solid var(--line)}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;height:60px}
.logo{font-weight:800;font-size:1.05rem;color:var(--brand-d);text-decoration:none}
.logo span{color:var(--accent)}
.lang{font-size:.85rem;color:var(--muted)}
.disclosure{background:#fff7ef;border-bottom:1px solid #ffe6cf;color:#7a5326;font-size:.82rem}
.disclosure .wrap{padding:8px 18px}
.hero{padding:28px 0 6px}
.kicker{display:inline-block;background:#e6f4f5;color:var(--brand-d);font-weight:700;font-size:.78rem;
  text-transform:uppercase;letter-spacing:.08em;padding:5px 12px;border-radius:999px}
.byline{color:var(--muted);font-size:.9rem;margin:.2em 0 1em;border-bottom:1px solid var(--line);padding-bottom:1em}
.byline strong{color:var(--ink)}
.answer{background:linear-gradient(135deg,#0e7c86,#0a5d65);color:#fff;border-radius:var(--r);padding:22px 24px;box-shadow:var(--shadow);margin:18px 0}
.answer h2{color:#fff;margin:0 0 .3em;font-size:1.2rem}
.answer p{margin:.4em 0;color:#eafafb}
.answer strong{color:#fff}
.tablecard{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);overflow-x:auto;margin:18px 0}
table{border-collapse:collapse;width:100%;min-width:520px;font-size:.95rem}
th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:#f0f5fa;font-size:.82rem;text-transform:uppercase;letter-spacing:.03em;color:var(--muted)}
tbody tr:last-child td{border-bottom:none}
.callout{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:10px;padding:14px 18px;margin:1.2em 0;box-shadow:var(--shadow)}
.callout.warn{border-left-color:var(--bad);background:#fff6f5}
.callout b{display:block;margin-bottom:.2em}
.hub{background:#eef6f7;border:1px solid #cfe6e8;border-radius:var(--r);padding:18px 20px;margin:22px 0;box-shadow:var(--shadow)}
.hub b{display:block;margin-bottom:.3em;color:var(--brand-d)}
.cta{display:inline-flex;align-items:center;gap:8px;background:var(--accent);color:#fff !important;text-decoration:none;
  font-weight:800;padding:13px 20px;border-radius:12px;box-shadow:0 8px 20px rgba(232,95,35,.32);transition:transform .12s;margin-top:.5em}
.cta:hover{transform:translateY(-2px)}
details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:10px 0;box-shadow:var(--shadow)}
details summary{cursor:pointer;font-weight:700;padding:15px 18px;list-style:none;position:relative;padding-right:44px}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:1.4rem;color:var(--brand)}
details[open] summary::after{content:"\2212"}
details .body{padding:0 18px 15px;color:#33485c}
footer{background:#0c1820;color:#9fb1c2;font-size:.85rem;margin-top:40px}
footer .wrap{padding:24px 18px}
footer a{color:#bcd0e2}
.mini{font-size:.78rem;color:#7d93a8;margin-top:1em}
@media(max-width:620px){body{font-size:16px}}