:root{--navy-950:#0d2334;--navy-900:#15324b;--navy-800:#1d4563;--navy-100:#dbe5eb;--teal-700:#116b6c;--teal-600:#147d7e;--teal-500:#249492;--teal-100:#d9eeee;--teal-50:#edf7f6;--amber-800:#805b12;--amber-100:#f5e6b8;--amber-50:#fff9e9;--ink:#18232b;--muted:#52616c;--line:#d9dfdf;--surface:#fff;--background:#f7f8f6;--shadow-sm:0 8px 24px #0d233412;--shadow-lg:0 24px 70px #0d233421;--radius-sm:10px;--radius-md:18px;--radius-lg:28px;--shell:1160px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{color:var(--ink);background:var(--background);-webkit-font-smoothing:antialiased;text-rendering:optimizelegibility;margin:0;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Hiragino Kaku Gothic ProN,Hiragino Sans,Yu Gothic,Meiryo,sans-serif;font-size:16px;line-height:1.75}body,button,input,textarea,select{font:inherit}a{color:var(--teal-700);text-underline-offset:.18em;text-decoration-thickness:1px}a:hover{color:var(--navy-900)}button,a{-webkit-tap-highlight-color:transparent}:focus-visible{outline-offset:3px;outline:3px solid #e0a21c}img,svg{max-width:100%}h1,h2,h3,p{overflow-wrap:anywhere}h1,h2,h3{color:var(--navy-950);letter-spacing:-.025em;font-weight:760;line-height:1.3}h1{font-size:clamp(2.25rem,6vw,4.5rem)}h2{font-size:clamp(1.75rem,3.6vw,2.75rem)}h3{font-size:clamp(1.12rem,2vw,1.4rem)}.shell{width:min(calc(100% - 40px), var(--shell));margin-inline:auto}.skip-link{z-index:1000;color:#fff;background:var(--navy-950);border-radius:8px;padding:10px 16px;position:fixed;top:12px;left:12px;transform:translateY(-150%)}.skip-link:focus{transform:translateY(0)}.site-header{z-index:20;background:#f7f8f6f5;border-bottom:1px solid #15324b1f;position:relative}.header-inner{justify-content:space-between;align-items:center;gap:24px;min-height:76px;display:flex}.brand{min-height:44px;color:var(--navy-950);letter-spacing:-.02em;align-items:center;gap:11px;font-size:1.15rem;font-weight:800;text-decoration:none;display:inline-flex}.brand-mark{color:#fff;background:var(--navy-900);border-radius:9px;place-items:center;width:34px;height:34px;font-size:.9rem;display:grid;box-shadow:inset -7px -7px #24949247}.desktop-nav{align-items:center;gap:32px;display:flex}.desktop-nav a{min-height:44px;color:var(--navy-900);align-items:center;font-size:.92rem;font-weight:650;text-decoration:none;display:inline-flex}.desktop-nav a:hover{color:var(--teal-700)}.mobile-nav{display:none;position:relative}.mobile-nav summary{border:1px solid var(--line);min-height:44px;color:var(--navy-900);cursor:pointer;background:#fff;border-radius:10px;align-items:center;padding:0 14px;font-size:.9rem;font-weight:700;list-style:none;display:flex}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav nav{border:1px solid var(--line);width:min(280px,100vw - 40px);box-shadow:var(--shadow-lg);background:#fff;border-radius:14px;padding:10px;display:grid;position:absolute;top:calc(100% + 8px);right:0}.mobile-nav nav a{min-height:48px;color:var(--navy-900);border-radius:8px;align-items:center;padding:0 12px;font-weight:650;text-decoration:none;display:flex}.mobile-nav nav a:hover{background:var(--teal-50)}.hero{background:radial-gradient(circle at 88% 10%,#2494922e,#0000 30%),linear-gradient(135deg,#f9fbfa 0%,#f1f5f3 100%);padding:clamp(68px,10vw,128px) 0 clamp(72px,10vw,118px);position:relative;overflow:hidden}.hero:before{content:"";border:1px solid #147d7e2e;border-radius:50%;width:380px;height:380px;position:absolute;top:-100px;right:-90px;box-shadow:0 0 0 48px #147d7e09,0 0 0 96px #147d7e06}.hero-grid{grid-template-columns:minmax(0,1.15fr) minmax(340px,.85fr);align-items:center;gap:clamp(42px,8vw,100px);display:grid;position:relative}.eyebrow{color:var(--teal-700);letter-spacing:.14em;text-transform:uppercase;margin:0 0 14px;font-size:.78rem;font-weight:800;line-height:1.4}.hero h1{max-width:760px;margin:0;font-size:clamp(2.5rem,6vw,4.75rem);line-height:1.16}.hero-lead{max-width:690px;color:var(--muted);text-wrap:pretty;margin:30px 0 0;font-size:clamp(1.02rem,2vw,1.18rem);line-height:1.9}.hero-actions{flex-wrap:wrap;align-items:center;gap:18px 24px;margin-top:38px;display:flex}.button{color:#fff;background:var(--teal-700);text-align:center;cursor:pointer;border:0;border-radius:11px;justify-content:center;align-items:center;min-height:48px;padding:12px 22px;font-weight:750;line-height:1.4;text-decoration:none;transition:transform .16s,background .16s,box-shadow .16s;display:inline-flex;box-shadow:0 8px 20px #116b6c2e}.button:hover{color:#fff;background:var(--navy-900);transform:translateY(-1px);box-shadow:0 12px 28px #0d233433}.button-small{min-height:44px;padding:9px 16px}.text-link{min-height:44px;color:var(--navy-900);align-items:center;gap:8px;font-weight:750;text-decoration:none;display:inline-flex}.text-link span{color:var(--teal-600);transition:transform .16s}.text-link:hover span{transform:translate(4px)}.decision-card{border-radius:var(--radius-lg);color:#fff;background:linear-gradient(150deg, #ffffff14, transparent 35%), var(--navy-900);box-shadow:var(--shadow-lg);border:1px solid #ffffff59;padding:clamp(28px,4vw,42px);position:relative}.decision-card-label{color:#75d4cc;letter-spacing:.16em;text-transform:uppercase;margin:0 0 10px;font-size:.7rem;font-weight:800}.decision-card h2{color:#fff;margin:0 0 26px;font-size:clamp(1.35rem,2.4vw,1.85rem);line-height:1.45}.decision-card ul{grid-template-columns:repeat(2,minmax(0,1fr));gap:2px 20px;margin:0;padding:0;list-style:none;display:grid}.decision-card li{border-bottom:1px solid #ffffff21;align-items:center;gap:9px;min-height:48px;font-size:.9rem;display:flex}.decision-card li span{color:#75d4cc;font-size:.72rem;font-weight:800}.decision-card-note{color:#e8f3f2;background:#147d7e42;border-radius:10px;margin:24px 0 0;padding:14px 16px;font-size:.86rem}.trust-strip{border-block:1px solid var(--line);background:#fff}.trust-grid{grid-template-columns:repeat(4,minmax(0,1fr));align-items:center;gap:16px 28px;min-height:84px;display:grid}.trust-grid p{color:var(--navy-900);align-items:center;gap:9px;margin:0;font-size:.82rem;font-weight:700;display:flex}.trust-grid span{width:24px;height:24px;color:var(--teal-700);background:var(--teal-100);border-radius:50%;flex:none;place-items:center;display:grid}.section{padding-block:clamp(76px,10vw,120px)}.section-tinted{background:#eef3f1;border-block:1px solid #15324b14}.section-heading{max-width:760px;margin-bottom:42px}.section-heading h2{margin:0}.section-heading>p:not(.eyebrow){color:var(--muted);margin:18px 0 0}.split-heading{grid-template-columns:minmax(0,1fr) minmax(300px,.72fr);align-items:end;gap:36px 80px;max-width:none;display:grid}.split-heading>p{margin:0!important}.centered-heading{text-align:center;margin-inline:auto}.article-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;display:grid}.article-grid-page{margin-bottom:100px}.article-card{border:1px solid var(--line);border-radius:var(--radius-md);min-width:0;box-shadow:var(--shadow-sm);background:#fff;transition:border-color .16s,transform .16s,box-shadow .16s;overflow:hidden}.article-card>a,.article-card-upcoming{flex-direction:column;height:100%;padding:26px;display:flex}.article-card>a{color:inherit;text-decoration:none}.article-card:not(.article-card-upcoming):hover{border-color:#147d7e80;transform:translateY(-3px);box-shadow:0 15px 36px #0d23341c}.article-card-upcoming{background:repeating-linear-gradient(-45deg,#0000,#0000 12px,#15324b05 12px 24px),#fbfcfb}.card-meta{color:var(--muted);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:8px;font-size:.74rem;display:flex}.category-label{min-height:28px;color:var(--teal-700);background:var(--teal-50);letter-spacing:.03em;border-radius:999px;align-items:center;padding:4px 10px;font-size:.74rem;font-weight:800;display:inline-flex}.article-card :is(h2,h3){margin:22px 0 12px;font-size:clamp(1.12rem,2vw,1.4rem);line-height:1.5}.article-card p{color:var(--muted);margin:0;font-size:.9rem;line-height:1.75}.card-footer{min-height:28px;color:var(--muted);justify-content:space-between;align-items:center;gap:12px;margin-top:auto;padding-top:24px;font-size:.74rem;display:flex}.card-arrow{color:var(--teal-700);font-weight:800}.publication-note{border-left:4px solid var(--amber-800);color:#5d491d;background:var(--amber-50);border-radius:0 8px 8px 0;margin:24px 0 0;padding:14px 18px;font-size:.86rem}.step-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin:0;padding:0;list-style:none;display:grid}.step-grid li{border-radius:var(--radius-md);background:#ffffffc2;border:1px solid #15324b1a;min-height:250px;padding:30px;position:relative}.step-number{color:var(--teal-600);letter-spacing:.14em;margin-bottom:42px;font-size:.75rem;font-weight:850;display:block}.step-grid h3{margin:0 0 12px}.step-grid p{color:var(--muted);margin:0;font-size:.9rem}.viewpoint-grid{border-block:1px solid var(--line);grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.viewpoint-grid article{border-right:1px solid var(--line);padding:36px 30px}.viewpoint-grid article:last-child{border-right:0}.viewpoint-grid span{color:var(--teal-700);letter-spacing:.12em;font-size:.75rem;font-weight:800}.viewpoint-grid h3{margin:16px 0 12px}.viewpoint-grid p{color:var(--muted);margin:0;font-size:.9rem}.editorial-panel{border-radius:var(--radius-lg);color:#eaf2f4;background:var(--navy-900);box-shadow:var(--shadow-lg);grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:50px 90px;padding:clamp(34px,6vw,68px);display:grid}.editorial-panel h2{color:#fff;margin:0}.editorial-panel p:not(.eyebrow){color:#d3e0e5;margin:0 0 22px}.editorial-panel .eyebrow,.editorial-panel .text-link,.editorial-panel .text-link span{color:#79d3ce}.page-shell{min-height:60vh;padding-block:24px 100px}.breadcrumbs{min-height:44px;color:var(--muted);align-items:center;margin:0 0 42px;font-size:.76rem;display:flex}.breadcrumbs ol{flex-wrap:wrap;align-items:center;gap:4px 8px;margin:0;padding:0;list-style:none;display:flex}.breadcrumbs li:not(:last-child):after{content:"/";color:#8d9aa2;margin-left:8px}.breadcrumbs a{color:var(--muted)}.page-header{max-width:840px;margin-bottom:56px}.page-header-wide{padding-block:34px 18px}.page-header h1{margin:0;font-size:clamp(2.4rem,6vw,4rem)}.page-lead{max-width:760px;color:var(--muted);margin:24px 0 0;font-size:clamp(1rem,2vw,1.12rem)}.updated-at{color:#6a7881;margin:18px 0 0;font-size:.78rem}.empty-state{border:1px solid var(--line);border-radius:var(--radius-md);max-width:760px;box-shadow:var(--shadow-sm);background:#fff;margin:0 0 100px;padding:clamp(28px,6vw,52px)}.empty-state h2,.empty-state h3{margin:0 0 12px}.empty-state p:last-child{margin-bottom:0}.compact-empty-state{margin:18px 0 0;padding:24px}.policy-content{max-width:860px}.policy-content section{border-top:1px solid var(--line);padding-block:32px}.policy-content section:first-child{border-top:0}.policy-content h2{margin:0 0 16px;font-size:clamp(1.35rem,3vw,1.75rem)}.policy-content p,.policy-content li,.policy-content dd{color:#33434d}.policy-content p{margin:0 0 14px}.policy-content p:last-child{margin-bottom:0}.policy-content ul,.policy-content ol{margin:0;padding-left:1.4em}.policy-content li+li{margin-top:10px}.definition-list{border-top:1px solid var(--line);margin:0}.definition-list>div{border-bottom:1px solid var(--line);grid-template-columns:190px 1fr;gap:24px;padding:16px 0;display:grid}.definition-list dt{color:var(--navy-900);font-weight:750}.definition-list dd{margin:0}.reference-box,.contact-warning{border-radius:var(--radius-sm);background:#fff;margin-top:18px;border:1px solid var(--line)!important;padding:24px!important}.contact-warning{background:var(--amber-50);border-color:var(--amber-100)!important}.article-shell{max-width:960px;padding-block:24px 110px}.ad-disclosure{border:1px solid var(--line);color:var(--muted);background:#fff;border-radius:9px;flex-wrap:wrap;align-items:center;gap:8px 16px;margin-bottom:38px;padding:11px 15px;font-size:.78rem;display:flex}.ad-disclosure strong{color:var(--navy-900)}.article-header{margin-bottom:34px}.article-header h1{margin:20px 0 22px;font-size:clamp(2rem,5.2vw,3.75rem);line-height:1.3}.article-description{max-width:800px;color:var(--muted);margin:0;font-size:clamp(1rem,2vw,1.14rem)}.article-meta-list{border-top:1px solid var(--line);flex-wrap:wrap;gap:16px 28px;margin:28px 0 0;padding-top:20px;display:flex}.article-meta-list>div{gap:8px;display:flex}.article-meta-list dt,.article-meta-list dd{font-size:.75rem}.article-meta-list dt{color:#72808a}.article-meta-list dd{color:var(--navy-900);margin:0;font-weight:650}.review-mode-notice{border:1px solid var(--amber-100);color:#5c4718;background:var(--amber-50);border-radius:9px;margin:20px 0 30px;padding:14px 18px;font-weight:700}.conclusion-box{border-radius:var(--radius-md);background:linear-gradient(145deg,#e9f5f3,#f8fbfa);border:1px solid #147d7e33;margin:40px 0 32px;padding:clamp(26px,5vw,42px)}.conclusion-box>p{color:var(--teal-700);letter-spacing:.12em;margin:0 0 10px;font-size:.75rem;font-weight:850}.conclusion-box h2{margin:0;font-size:clamp(1.3rem,3vw,1.8rem);line-height:1.55}.table-of-contents{border:1px solid var(--line);border-radius:var(--radius-sm);background:#fff;margin:32px 0 54px;padding:24px 28px}.table-of-contents>p{color:var(--navy-900);margin:0 0 12px;font-weight:800}.table-of-contents ol{columns:2;column-gap:46px;margin:0;padding-left:1.25em}.table-of-contents li{break-inside:avoid;color:var(--muted);margin:7px 0;font-size:.9rem}.table-of-contents a{color:var(--navy-800)}.article-body{color:#283842;max-width:820px;margin-inline:auto;font-size:clamp(1rem,1.5vw,1.04rem);line-height:1.92}.article-body h2{border-bottom:2px solid var(--navy-100);margin:76px 0 24px;padding-bottom:12px;scroll-margin-top:24px;font-size:clamp(1.55rem,3.3vw,2.15rem)}.article-body h3{margin:48px 0 16px;font-size:clamp(1.22rem,2.5vw,1.55rem)}.article-body p{margin:0 0 24px}.article-body ul,.article-body ol{margin:0 0 28px;padding-left:1.55em}.article-body li+li{margin-top:10px}.article-body strong{color:var(--navy-950)}.article-body blockquote{border-left:4px solid var(--teal-600);color:#42545f;margin:30px 0;padding:8px 0 8px 22px}.article-body table{border-collapse:collapse;white-space:nowrap;-webkit-overflow-scrolling:touch;width:100%;margin:30px 0 38px;display:block;overflow-x:auto}.article-body th,.article-body td{border:1px solid var(--line);text-align:left;vertical-align:top;white-space:normal;min-width:140px;padding:12px 14px}.article-body th{color:var(--navy-900);background:#edf3f3;font-size:.87rem}.article-body td{background:#fff;font-size:.88rem}.callout{border:1px solid var(--navy-100);border-radius:var(--radius-sm);background:#f7fafb;margin:32px 0;padding:22px 24px}.callout-warning{border-color:var(--amber-100);background:var(--amber-50)}.callout-conclusion{border-color:var(--teal-100);background:var(--teal-50)}.callout-title{color:var(--navy-900);font-weight:850;margin:0 0 8px!important}.callout>div>:last-child{margin-bottom:0}.source-section{border-top:1px solid var(--line);max-width:820px;margin:84px auto 0;padding-top:42px}.source-section h2{margin:0 0 22px;font-size:clamp(1.4rem,3vw,1.8rem)}.source-section ul{margin:0;padding:0;list-style:none}.source-section li{border-bottom:1px solid var(--line);grid-template-columns:1fr auto;gap:10px 24px;padding:14px 0;display:grid}.source-section li span{color:var(--muted);font-size:.75rem}.article-disclaimer{border-radius:var(--radius-sm);color:#4b4e42;background:#f1f0e8;max-width:820px;margin:42px auto 0;padding:24px;font-size:.85rem}.article-disclaimer h2{margin:0 0 8px;font-size:1rem}.article-disclaimer p{margin:0 0 10px}.related-section{border-top:1px solid var(--line);margin-top:84px;padding-top:42px}.related-section>h2{margin:0 0 28px;font-size:1.75rem}.not-found{text-align:center;place-items:center;min-height:70vh;padding-block:80px;display:grid}.not-found h1{margin:0 0 16px;font-size:clamp(2rem,6vw,3.6rem)}.not-found p:not(.eyebrow){color:var(--muted);margin:0 0 28px}.site-footer{color:#cbd9df;background:var(--navy-950);padding:64px 0 26px}.footer-grid{grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:52px 90px;display:grid}.footer-brand{color:#fff;margin:0 0 12px;font-size:1.25rem;font-weight:850}.footer-copy{max-width:420px;margin:0;font-size:.86rem}.footer-links{grid-template-columns:repeat(2,minmax(0,1fr));gap:4px 28px;display:grid}.footer-links a,.footer-button{color:#dce8ec;text-align:left;cursor:pointer;background:0 0;border:0;align-items:center;min-height:44px;padding:0;font-size:.82rem;text-decoration:none;display:inline-flex}.footer-links a:hover,.footer-button:hover{color:#75d4cc}.footer-bottom{border-top:1px solid #ffffff1f;flex-wrap:wrap;justify-content:space-between;gap:8px 24px;margin-top:50px;padding-top:20px;display:flex}.footer-bottom small{color:#91a6b0;font-size:.7rem}.consent-banner{z-index:100;color:#dce8ec;background:#0d2334fa;border:1px solid #ffffff1f;border-radius:14px;grid-template-columns:1fr auto;align-items:center;gap:20px 36px;width:min(100% - 36px,920px);margin-inline:auto;padding:20px 22px;display:grid;position:fixed;bottom:18px;left:18px;right:18px;box-shadow:0 16px 50px #00000047}.consent-banner p{margin:0;font-size:.78rem}.consent-title{color:#fff;font-weight:850;margin-bottom:5px!important}.consent-actions{align-items:center;gap:8px;display:flex}.consent-actions>button:not(.button){color:#dce8ec;cursor:pointer;text-underline-offset:3px;background:0 0;border:0;min-height:44px;padding:8px 12px;font-size:.78rem;text-decoration:underline}@media (max-width:900px){.desktop-nav{display:none}.mobile-nav{display:block}.hero-grid{grid-template-columns:1fr}.decision-card{max-width:620px}.trust-grid{grid-template-columns:repeat(2,minmax(0,1fr));padding-block:18px}.article-grid,.step-grid,.viewpoint-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.article-grid>:last-child,.step-grid>:last-child,.viewpoint-grid>:last-child{grid-column:1/-1}.viewpoint-grid article:nth-child(2){border-right:0}.viewpoint-grid article:last-child{border-top:1px solid var(--line)}.split-heading,.editorial-panel,.footer-grid{grid-template-columns:1fr}.split-heading{align-items:start}.table-of-contents ol{columns:1}}@media (max-width:640px){.shell{width:min(calc(100% - 28px), var(--shell))}.header-inner{min-height:66px}.hero{padding-top:58px}.hero h1 br{display:none}.hero-lead{letter-spacing:-.01em;font-size:1rem;line-height:1.85}.hero-actions{flex-direction:column;align-items:stretch}.hero-actions .button,.hero-actions .text-link{width:100%}.decision-card ul,.trust-grid,.article-grid,.step-grid,.viewpoint-grid{grid-template-columns:1fr}.article-grid>:last-child,.step-grid>:last-child,.viewpoint-grid>:last-child{grid-column:auto}.trust-grid{gap:10px}.article-card>a,.article-card-upcoming,.step-grid li{padding:22px}.viewpoint-grid article{border-right:0;border-top:1px solid var(--line)}.viewpoint-grid article:first-child{border-top:0}.definition-list>div{grid-template-columns:1fr;gap:4px}.article-meta-list{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;display:grid}.article-meta-list>div{display:block}.article-meta-list dt{margin-bottom:2px}.source-section li,.footer-links{grid-template-columns:1fr}.footer-bottom{display:grid}.consent-banner{grid-template-columns:1fr;gap:14px}.consent-actions{justify-content:flex-end}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}@media print{.site-header,.site-footer,.consent-banner,.hero-actions,.ad-disclosure{display:none!important}body{color:#000;background:#fff}.article-body,.article-shell{max-width:none}a{color:inherit;text-decoration:underline}}
:root{--ss-yellow:#f4c430;--ss-yellow-strong:#e6b300;--ss-yellow-soft:#fff8dc;--ss-yellow-pale:#fffdf4;--ss-charcoal:#20252a;--ss-gray:#697078;--ss-line:#e8e5da;--ss-white:#fff}body{background:var(--ss-white)}.site-header{border-bottom-color:var(--ss-line);background:#fffffff7}.brand-mark{color:var(--ss-charcoal);background:var(--ss-yellow);box-shadow:none}.visual-home{color:var(--ss-charcoal);background:var(--ss-white)}.visual-home h1,.visual-home h2,.visual-home h3{color:var(--ss-charcoal)}.visual-home .eyebrow{color:#8a6a00}.visual-hero{background:var(--ss-white);padding-block:clamp(58px,8vw,104px)}.visual-hero:before{border:48px solid var(--ss-yellow-soft);width:320px;height:320px;box-shadow:none;opacity:.85;top:8%;right:-80px}.visual-hero-grid{grid-template-columns:minmax(0,1.02fr) minmax(360px,.98fr);align-items:center;gap:clamp(36px,7vw,88px);display:grid}.visual-hero h1{font-size:clamp(2.7rem,6vw,5.3rem);line-height:1.06}.highlight-line{z-index:0;display:inline-block;position:relative}.highlight-line:after{content:"";z-index:-1;background:var(--ss-yellow);border-radius:999px;height:.24em;position:absolute;bottom:.05em;left:-.04em;right:-.04em}.compact-copy{max-width:570px;margin-top:22px;font-size:clamp(1rem,2vw,1.12rem);line-height:1.75}.visual-button{color:#1e2226;background:var(--ss-yellow);box-shadow:0 10px 26px #d0a2002e}.visual-button:hover{color:#111;background:#ffcf2f;box-shadow:0 12px 30px #d0a2003d}.visual-home .text-link,.visual-home .text-link span{color:var(--ss-charcoal)}.money-map{border:1px solid var(--ss-line);background:var(--ss-white);border-radius:28px;padding:clamp(26px,4vw,42px);position:relative;box-shadow:0 24px 70px #1d1e1914}.money-map:before{content:"FAIR CHECK";color:#9c8a48;letter-spacing:.14em;font-size:.68rem;font-weight:850;position:absolute;top:18px;right:22px}.money-map-top{grid-template-columns:62px 1fr 62px;align-items:center;gap:14px;padding-top:20px;display:grid}.money-icon,.future-icon{border-radius:50%;place-items:center;width:62px;height:62px;font-size:1.55rem;font-weight:850;display:grid}.money-icon{color:#fff;background:var(--ss-charcoal)}.future-icon{color:var(--ss-charcoal);background:var(--ss-yellow)}.money-line{background:linear-gradient(90deg, var(--ss-charcoal) 0 45%, var(--ss-yellow) 45% 100%);border-radius:999px;height:4px;position:relative}.money-line:after{content:"";border-top:3px solid var(--ss-yellow-strong);border-right:3px solid var(--ss-yellow-strong);width:10px;height:10px;position:absolute;top:50%;right:0;transform:translateY(-50%)rotate(45deg)}.money-map-caption{color:var(--ss-gray);text-align:center;grid-template-columns:1fr auto 1fr;align-items:center;gap:14px;margin-top:10px;font-size:.73rem;display:grid}.money-map-caption strong{color:var(--ss-charcoal);font-size:.78rem}.check-chip-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:8px;margin-top:32px;display:grid}.check-chip-grid span{color:#575143;background:var(--ss-yellow-pale);text-align:center;border:1px solid #eee9d8;border-radius:10px;place-items:center;min-height:42px;padding:6px;font-size:.76rem;font-weight:750;display:grid}.visual-trust{border-color:var(--ss-line);background:#fffdf8}.visual-trust .trust-grid span{color:var(--ss-charcoal);background:var(--ss-yellow)}.visual-trust .trust-grid p{color:#34383c}.compact-section{padding-block:clamp(64px,8vw,92px)}.compact-heading{margin-bottom:32px}.situation-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;display:grid}.situation-card{border:1px solid var(--ss-line);min-height:190px;color:inherit;background:#fff;border-radius:18px;flex-direction:column;padding:24px;text-decoration:none;transition:transform .16s,border-color .16s,box-shadow .16s;display:flex;position:relative}.situation-card:hover{color:inherit;border-color:#ddc45b;transform:translateY(-3px);box-shadow:0 14px 36px #3c330d14}.situation-icon{width:46px;height:46px;color:var(--ss-charcoal);background:var(--ss-yellow);border-radius:14px;place-items:center;margin-bottom:22px;font-size:1.1rem;font-weight:850;display:grid}.situation-card strong{font-size:1rem}.situation-card small{color:var(--ss-gray);margin-top:4px;line-height:1.55}.situation-card .card-arrow{color:#8d7100;position:absolute;bottom:18px;right:20px}.visual-process{background:var(--ss-yellow-pale);border-color:#eee8cd}.visual-step-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:42px;max-width:940px;margin:0 auto;padding:0;list-style:none;display:grid}.visual-step-grid li{text-align:center;justify-items:center;min-height:220px;padding:26px 18px;display:grid;position:relative}.visual-step-grid li:not(:last-child):after{content:"→";color:#c19a00;font-size:1.5rem;position:absolute;top:50%;right:-32px;transform:translateY(-50%)}.step-badge{color:#fff;background:var(--ss-charcoal);border-radius:50%;place-items:center;width:30px;height:30px;font-size:.78rem;font-weight:800;display:grid}.step-visual{border:2px solid var(--ss-yellow);width:82px;height:82px;color:var(--ss-charcoal);background:#fff;border-radius:22px;place-items:center;margin:18px 0 14px;font-size:2rem;font-weight:800;display:grid}.visual-step-grid strong{font-size:1.16rem}.visual-step-grid small{color:var(--ss-gray);margin-top:5px}.metric-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;display:grid}.metric-grid article{border:1px solid var(--ss-line);background:#fff;border-radius:20px;grid-template-rows:auto auto auto 1fr;min-height:210px;padding:28px;display:grid}.metric-icon{width:52px;height:52px;color:var(--ss-charcoal);background:var(--ss-yellow-soft);border-radius:50%;place-items:center;margin-bottom:22px;font-size:1.35rem;font-weight:850;display:grid}.metric-grid article>span:not(.metric-icon){color:#8b792c;font-size:.74rem;font-weight:800}.metric-grid strong{margin-top:2px;font-size:1.35rem}.metric-grid small{color:var(--ss-gray);align-self:end;margin-top:20px}.visual-article-grid .article-card{border-color:var(--ss-line);box-shadow:0 9px 28px #2622100d}.visual-article-grid .category-label{color:#6b5600;background:var(--ss-yellow-soft)}.visual-article-grid .card-arrow{color:#8d7100}.transparency-panel{border:1px solid var(--ss-line);background:#fffdf7;border-radius:24px;grid-template-columns:auto 1fr auto;align-items:center;gap:24px 34px;padding:clamp(28px,5vw,48px);display:grid}.transparency-mark{width:64px;height:64px;color:var(--ss-charcoal);background:var(--ss-yellow);border-radius:18px;place-items:center;font-size:1.6rem;font-weight:850;display:grid}.transparency-panel h2{margin:0;font-size:clamp(1.45rem,3vw,2.15rem)}.transparency-panel .eyebrow{margin-bottom:5px}.transparency-actions{flex-wrap:wrap;gap:10px 20px;display:flex}.ad-disclosure,.conclusion-box,.callout-conclusion{border-color:#ead77c}.conclusion-box,.callout-conclusion{background:linear-gradient(145deg,#fff9df,#fffef9)}.conclusion-box>p{color:#796100}.article-body h2{border-bottom-color:#f1d45d}.article-body th{background:#fff9df}.article-body blockquote{border-left-color:var(--ss-yellow-strong)}.site-footer{color:#555b60;border-top:1px solid var(--ss-line);background:#fbfaf5}.footer-brand,.footer-links a,.footer-button{color:var(--ss-charcoal)}.footer-copy,.footer-bottom small{color:#777d82}.footer-links a:hover,.footer-button:hover{color:#8b6d00}.footer-bottom{border-top-color:var(--ss-line)}@media (max-width:900px){.visual-hero-grid{grid-template-columns:1fr}.money-map{max-width:660px}.situation-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.transparency-panel{grid-template-columns:auto 1fr}.transparency-actions{grid-column:2}}@media (max-width:640px){.visual-hero{padding-top:48px}.visual-hero h1{font-size:clamp(2.55rem,13vw,4rem)}.visual-hero h1 br{display:block}.visual-hero .hero-actions .text-link{justify-content:center}.money-map{border-radius:20px;padding:22px 18px}.money-map-top{grid-template-columns:48px 1fr 48px}.money-icon,.future-icon{width:48px;height:48px;font-size:1.15rem}.money-map-caption{font-size:.65rem}.money-map-caption strong{font-size:.69rem}.check-chip-grid{grid-template-columns:repeat(2,minmax(0,1fr));margin-top:24px}.situation-grid,.metric-grid,.visual-step-grid{grid-template-columns:1fr}.situation-card{min-height:132px;padding:20px}.situation-icon{margin-bottom:14px}.visual-step-grid{gap:12px}.visual-step-grid li{text-align:left;grid-template-rows:auto auto;grid-template-columns:34px 62px 1fr;place-items:center start;column-gap:14px;min-height:auto;padding:18px 10px}.visual-step-grid li:not(:last-child):after{content:"↓";inset:auto auto -13px 31px;transform:none}.step-badge{grid-row:1/3}.step-visual{border-radius:16px;grid-row:1/3;width:58px;height:58px;margin:0;font-size:1.45rem}.visual-step-grid strong{align-self:end}.visual-step-grid small{align-self:start;margin:0}.metric-grid article{min-height:170px}.transparency-panel{grid-template-columns:50px 1fr;gap:16px;padding:24px 20px}.transparency-mark{border-radius:14px;width:50px;height:50px}.transparency-actions{grid-column:1/-1}}
@media (max-width:640px){.visual-hero{padding-block:32px 42px}.visual-hero:before{opacity:.55;border-width:30px;width:210px;height:210px;right:-78px}.visual-hero-grid{gap:26px}.visual-hero h1{font-size:clamp(2.25rem,11.5vw,3.35rem);line-height:1.03}.compact-copy{margin-top:14px;line-height:1.6}.hero-actions{gap:12px;margin-top:20px}.visual-button{min-height:52px}.money-map{padding:18px 16px}.money-map:before{top:13px;right:16px}.money-map-top{padding-top:16px}.check-chip-grid{gap:7px;margin-top:18px}.check-chip-grid span{min-height:36px;padding:4px}.compact-section{padding-block:46px}.compact-heading{margin-bottom:22px}.situation-grid{gap:10px}.situation-card{border-radius:16px;min-height:104px;padding:16px 18px}.situation-icon{border-radius:12px;width:38px;height:38px;margin-bottom:12px}.situation-card small{line-height:1.35}.situation-card .card-arrow{bottom:15px;right:17px}.visual-step-grid{gap:4px}.visual-step-grid li{text-align:left;grid-template-columns:32px 66px 1fr;place-items:center start;column-gap:14px;min-height:116px;padding:10px 0}.step-visual{border-radius:18px;width:64px;height:64px;margin:0;font-size:1.55rem}.visual-step-grid li:not(:last-child):after{font-size:1.15rem;inset:auto auto -10px 15px;transform:none}.metric-grid{gap:10px}.metric-grid article{border-radius:17px;min-height:150px;padding:20px}.metric-icon{width:44px;height:44px;margin-bottom:14px}.metric-grid small{margin-top:12px}.visual-article-grid{gap:12px}.visual-article-grid .article-card{padding:20px}.visual-article-grid .article-card p{-webkit-line-clamp:2;-webkit-box-orient:vertical;display:-webkit-box;overflow:hidden}.transparency-panel{border-radius:18px;gap:16px;padding:22px 20px}.transparency-mark{border-radius:15px;width:50px;height:50px}.site-footer{padding-top:42px}.footer-inner{gap:26px}.footer-links{gap:16px}.footer-bottom{margin-top:34px;padding-block:20px}}
:root{--brand-navy:#142d47;--brand-navy-2:#203f5f;--brand-yellow:#ffd84a;--brand-yellow-soft:#fff7cf;--brand-white:#fff;--brand-soft:#f6f8fa;--brand-border:#dfe5ea;--teal-700:#142d47;--teal-600:#203f5f;--teal-500:#2e5579;--teal-100:#e7edf2;--teal-50:#f4f7f9;--amber-800:#705300;--amber-100:#ffe99a;--amber-50:#fff9df;--background:#fff}body{background:var(--brand-white)}a{color:var(--brand-navy)}.site-header{border-bottom-color:var(--brand-border);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);background:#fffffffa;position:sticky;top:0}.header-inner{min-height:70px}.brand-mark{color:var(--brand-navy);background:var(--brand-yellow);box-shadow:none;border-radius:8px}.desktop-nav{gap:18px}.desktop-nav a{color:var(--brand-navy);white-space:nowrap;font-size:.84rem;font-weight:720}.desktop-nav a:hover{color:var(--brand-navy);text-decoration:underline;-webkit-text-decoration-color:var(--brand-yellow);text-decoration-color:var(--brand-yellow);text-underline-offset:6px;text-decoration-thickness:3px}.mobile-nav summary{border-color:var(--brand-border);color:var(--brand-navy)}.mobile-nav nav a:hover{background:var(--brand-yellow-soft)}.category-label{color:var(--brand-navy)!important;background:var(--brand-yellow-soft)!important;border-color:#f3dc76!important}.editorial-home{background:var(--brand-white)}.editorial-hero{border-bottom:1px solid var(--brand-border);background:linear-gradient(90deg, var(--brand-yellow) 0 10px, transparent 10px), var(--brand-white);padding:clamp(42px,7vw,82px) 0 34px}.editorial-hero-inner{max-width:980px;margin-inline:auto}.editorial-brand-label,.editorial-kicker{color:var(--brand-navy);letter-spacing:.08em;text-transform:uppercase;margin:0 0 10px;font-size:.78rem;font-weight:850}.editorial-brand-label{background:var(--brand-yellow);letter-spacing:.04em;text-transform:none;border-radius:999px;padding:5px 10px;display:inline-flex}.editorial-hero h1{max-width:900px;color:var(--brand-navy);margin:18px 0 14px;font-size:clamp(2.35rem,5.7vw,4.7rem);line-height:1.12}.editorial-subtitle{color:var(--brand-navy);margin:0;font-size:clamp(1.15rem,2.1vw,1.5rem);font-weight:760}.editorial-hero-copy{color:#465563;max-width:760px;margin:16px 0 0;font-size:1rem;line-height:1.8}.editorial-target{border-left:4px solid var(--brand-yellow);background:var(--brand-soft);color:var(--brand-navy);margin:18px 0 0;padding:8px 12px;font-size:.88rem;font-weight:700;display:inline-block}.editorial-topic-section,.editorial-section,.editorial-ranking-section,.editorial-about-teaser,.editorial-trust-section{padding:clamp(42px,6vw,72px) 0}.editorial-topic-section{background:var(--brand-white);padding-top:34px}.editorial-section-heading{margin-bottom:24px}.editorial-section-heading h2,.editorial-ranking-intro h2,.editorial-about-teaser h2{color:var(--brand-navy);margin:0;font-size:clamp(1.7rem,3.2vw,2.45rem)}.editorial-section-heading-split{justify-content:space-between;align-items:end;gap:24px;display:flex}.editorial-topic-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;display:grid}.editorial-topic-chip{border:1px solid var(--brand-border);min-height:90px;color:var(--brand-navy);background:var(--brand-white);border-radius:14px;grid-template-columns:auto 1fr auto;align-items:center;gap:12px;padding:16px 18px;text-decoration:none;display:grid;box-shadow:0 7px 22px #142d470d}.editorial-topic-chip:hover{color:var(--brand-navy);background:var(--brand-yellow-soft);border-color:#efcf43;transform:translateY(-1px)}.editorial-topic-number{width:34px;height:34px;color:var(--brand-navy);background:var(--brand-yellow);border-radius:8px;place-items:center;font-size:.76rem;font-weight:900;display:grid}.editorial-topic-chip strong{line-height:1.4}.editorial-article-grid{gap:18px}.editorial-home .article-card,.editorial-articles-page .article-card{border:1px solid var(--brand-border);background:var(--brand-white);border-radius:15px;box-shadow:0 8px 26px #142d470f}.editorial-home .article-card:hover,.editorial-articles-page .article-card:hover{border-color:#e9cf59;box-shadow:0 12px 34px #142d471a}.editorial-text-link,.editorial-primary-link{color:var(--brand-navy);font-weight:800;text-decoration:none}.editorial-text-link{border-bottom:3px solid var(--brand-yellow)}.editorial-primary-link{background:var(--brand-yellow);border-radius:10px;justify-content:center;align-items:center;gap:8px;min-height:48px;padding:0 18px;display:inline-flex}.editorial-ranking-section{background:var(--brand-navy)}.editorial-ranking-layout{grid-template-columns:minmax(0,.75fr) minmax(0,1.25fr);align-items:start;gap:48px;display:grid}.editorial-ranking-intro .editorial-kicker,.editorial-ranking-intro h2,.editorial-ranking-intro p{color:#fff}.editorial-ranking-intro p:last-child{color:#d6e0e8}.editorial-ranking-list{gap:10px;margin:0;padding:0;list-style:none;display:grid}.editorial-ranking-list li{background:#fff;border-radius:13px;grid-template-columns:48px 1fr;align-items:stretch;display:grid;overflow:hidden}.editorial-rank{color:var(--brand-navy);background:var(--brand-yellow);place-items:center;font-size:1.35rem;font-weight:900;display:grid}.editorial-ranking-list a{color:var(--brand-navy);gap:3px;padding:14px 16px;text-decoration:none;display:grid}.editorial-ranking-list strong{line-height:1.45}.editorial-ranking-list small,.editorial-ranking-category{color:#647383;font-size:.78rem}.editorial-about-teaser{background:var(--brand-yellow-soft)}.editorial-about-teaser-inner{grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:40px;display:grid}.editorial-about-teaser p:not(.editorial-kicker){color:#40505f;max-width:780px}.editorial-trust-section{padding-top:34px;padding-bottom:50px}.editorial-trust-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;display:grid}.editorial-trust-grid p{border-top:4px solid var(--brand-yellow);background:var(--brand-soft);gap:4px;margin:0;padding:16px;display:grid}.editorial-trust-grid strong{color:var(--brand-navy)}.editorial-trust-grid span{color:#647383;font-size:.82rem}.editorial-empty-state{border:1px dashed var(--brand-border);border-radius:14px;padding:28px}.editorial-articles-page{padding-bottom:70px}.editorial-articles-header{padding-bottom:18px}.editorial-filter-nav{border:1px solid var(--brand-border);background:var(--brand-soft);border-radius:14px;flex-wrap:wrap;gap:8px;margin:0 0 28px;padding:12px;display:flex}.editorial-filter-nav a{min-height:40px;color:var(--brand-navy);background:#fff;border-radius:999px;align-items:center;padding:0 13px;font-size:.86rem;font-weight:760;text-decoration:none;display:inline-flex}.editorial-filter-nav a.is-active{background:var(--brand-yellow)}.about-v3-lead{border-left:6px solid var(--brand-yellow);background:var(--brand-yellow-soft);padding:24px}.about-v3-statement{color:var(--brand-navy);margin:0 0 8px;font-size:clamp(1.45rem,3vw,2.1rem);font-weight:850;line-height:1.35}.about-v3-note{color:#687785;font-size:.82rem}.about-v3-knowledge-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;display:grid}.about-v3-knowledge-card{border:1px solid var(--brand-border);background:#fff;border-radius:13px;padding:18px}.about-v3-knowledge-card>span{width:34px;height:34px;color:var(--brand-navy);background:var(--brand-yellow);border-radius:8px;place-items:center;font-weight:900;display:inline-grid}.about-v3-knowledge-card h3{margin:12px 0 8px}.about-v3-knowledge-card ul{margin-bottom:0}.about-v3-steps{counter-reset:steps;gap:10px;padding:0;list-style:none;display:grid}.about-v3-steps li{border:1px solid var(--brand-border);border-radius:12px;grid-template-columns:100px 1fr;gap:16px;padding:16px;display:grid}.about-v3-steps strong{color:var(--brand-navy)}.about-v3-three-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;display:grid}.about-v3-three-grid article{border-top:5px solid var(--brand-yellow);background:var(--brand-soft);gap:6px;padding:18px;display:grid}.about-v3-three-grid strong{color:var(--brand-navy);font-size:1.15rem}@media (max-width:980px){.desktop-nav{display:none}.mobile-nav{display:block}.editorial-topic-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.editorial-ranking-layout,.editorial-about-teaser-inner{grid-template-columns:1fr}.editorial-trust-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:680px){.shell{width:min(calc(100% - 28px), var(--shell))}.header-inner{min-height:62px}.editorial-hero{background:linear-gradient(90deg, var(--brand-yellow) 0 6px, transparent 6px), var(--brand-white);padding:32px 0 26px}.editorial-hero h1{margin-top:14px;font-size:clamp(2rem,10.5vw,3rem)}.editorial-subtitle{font-size:1.08rem}.editorial-hero-copy{font-size:.94rem}.editorial-target{font-size:.8rem}.editorial-topic-section,.editorial-section,.editorial-ranking-section,.editorial-about-teaser,.editorial-trust-section{padding:36px 0}.editorial-section-heading-split{flex-direction:column;align-items:start;gap:12px}.editorial-topic-grid{grid-template-columns:1fr;gap:8px}.editorial-topic-chip{min-height:70px;padding:12px 14px}.editorial-ranking-layout{gap:24px}.editorial-ranking-list li{grid-template-columns:42px 1fr}.editorial-about-teaser-inner{gap:18px}.editorial-primary-link{width:100%}.editorial-trust-grid,.about-v3-knowledge-grid,.about-v3-three-grid{grid-template-columns:1fr}.about-v3-steps li{grid-template-columns:1fr;gap:4px}.editorial-filter-nav{scrollbar-width:thin;flex-wrap:nowrap;padding-bottom:10px;overflow-x:auto}.editorial-filter-nav a{flex:none}}
.editorial-article-index-section,.editorial-topic-index-section{scroll-margin-top:92px}.editorial-article-index-section{padding:12px 0 54px}.editorial-topic-index{gap:16px;padding-bottom:30px;display:grid}.editorial-topic-index-section{border:1px solid var(--brand-border);background:var(--brand-white);border-radius:16px;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);align-items:start;gap:28px;padding:28px;display:grid}.editorial-topic-index-heading h2{color:var(--brand-navy);margin:0 0 8px;font-size:clamp(1.45rem,2.8vw,2rem)}.editorial-topic-index-heading p:last-child{color:#5b6977;margin:0;line-height:1.7}.editorial-topic-article-list{gap:8px;margin:0;padding:0;list-style:none;display:grid}.editorial-topic-article-list li{margin:0}.editorial-topic-article-list a{border:1px solid var(--brand-border);min-height:64px;color:var(--brand-navy);background:var(--brand-soft);border-radius:12px;grid-template-columns:auto 1fr auto;align-items:center;gap:12px;padding:12px 14px;text-decoration:none;display:grid}.editorial-topic-article-list a:hover{background:var(--brand-yellow-soft);border-color:#e9cf59}.editorial-topic-article-list a>span:first-child{color:#657483;min-width:44px;font-size:.76rem;font-weight:700}.editorial-topic-article-list strong{line-height:1.45}.editorial-topic-preparing{border:1px dashed var(--brand-border);color:#657483;background:var(--brand-soft);border-radius:12px;margin:0;padding:18px}@media (max-width:760px){.editorial-topic-index-section{grid-template-columns:1fr;gap:16px;padding:20px}.editorial-topic-article-list a{grid-template-columns:1fr auto}.editorial-topic-article-list a>span:first-child{grid-column:1/-1}}
:root{--v4-navy:#132c46;--v4-navy-2:#1d3f60;--v4-yellow:#f6cf3e;--v4-yellow-soft:#fff7d4;--v4-ink:#17222d;--v4-muted:#66717c;--v4-line:#e5e9ed;--v4-soft:#f7f8fa;--v4-white:#fff;--v4-shadow:0 18px 48px #132c4614}body{background:var(--v4-white);color:var(--v4-ink)}.site-header{border-bottom:1px solid var(--v4-line);-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px);background:#fffffff5;position:sticky;top:0}.header-inner{min-height:72px}.brand{color:var(--v4-navy);letter-spacing:-.03em}.brand-mark{color:var(--v4-navy);background:var(--v4-yellow);box-shadow:none;border-radius:10px}.desktop-nav{gap:20px}.desktop-nav a{color:var(--v4-navy);font-size:.82rem;font-weight:720}.desktop-nav a:hover{color:var(--v4-navy)}.v4-overline{color:var(--v4-navy);letter-spacing:.14em;margin:0 0 12px;font-size:.72rem;font-weight:850}.v4-hero{border-bottom:1px solid var(--v4-line);background:var(--v4-white);padding:56px 0 60px}.v4-hero-grid{grid-template-columns:minmax(0,.95fr) minmax(420px,1.05fr);align-items:center;gap:clamp(40px,7vw,86px);display:grid}.v4-hero-copy h1{max-width:660px;color:var(--v4-navy);letter-spacing:-.055em;margin:0 0 18px;font-size:clamp(3rem,5.7vw,5.7rem);line-height:1.04}.v4-subtitle{color:var(--v4-navy);margin:0;font-size:clamp(1.18rem,1.8vw,1.55rem);font-weight:760;line-height:1.55}.v4-lead{color:#4f5c68;max-width:620px;margin:18px 0 0;line-height:1.9}.v4-hero-meta{border-left:4px solid var(--v4-yellow);background:var(--v4-soft);align-items:center;gap:10px;margin-top:28px;padding:10px 12px 10px 14px;display:inline-flex}.v4-hero-meta span{color:var(--v4-muted);font-size:.76rem}.v4-hero-meta strong{color:var(--v4-navy);font-size:.9rem}.v4-featured-card{border:1px solid var(--v4-line);box-shadow:var(--v4-shadow);background:#fff;border-radius:20px;overflow:hidden}.v4-featured-card>a{color:inherit;text-decoration:none;display:block}.v4-featured-content{padding:24px 26px 26px}.v4-featured-meta{color:var(--v4-muted);letter-spacing:.04em;justify-content:space-between;gap:12px;margin-bottom:12px;font-size:.72rem;font-weight:760;display:flex}.v4-featured-meta span:first-child{color:var(--v4-navy);border-bottom:3px solid var(--v4-yellow);padding-bottom:2px}.v4-featured-content h2{color:var(--v4-navy);margin:0;font-size:clamp(1.45rem,2.5vw,2rem);line-height:1.38}.v4-featured-content p{color:var(--v4-muted);margin:12px 0 0;font-size:.93rem;line-height:1.75}.v4-featured-link{color:var(--v4-navy);margin-top:18px;font-size:.86rem;display:inline-flex}.article-visual{background:#eef2f5;min-height:300px;position:relative;overflow:hidden}.article-visual-compact{min-height:190px}.article-visual-topline{z-index:3;color:var(--v4-navy);letter-spacing:.12em;justify-content:space-between;font-size:.66rem;font-weight:850;display:flex;position:absolute;top:18px;left:20px;right:20px}.article-visual-stage{position:absolute;inset:0}.article-visual-orb,.article-visual-line,.article-visual-block{display:block;position:absolute}.article-visual-orb{border-radius:50%}.article-visual-orb-a{border:34px solid #132c461a;width:180px;height:180px;top:64px;right:-20px}.article-visual-orb-b{background:var(--v4-yellow);width:92px;height:92px;bottom:28px;left:32px}.article-visual-line{background:var(--v4-navy);transform-origin:0;height:2px}.article-visual-line-a{width:52%;top:50%;left:18%;transform:rotate(-15deg)}.article-visual-line-b{opacity:.28;width:38%;top:62%;left:31%;transform:rotate(18deg)}.article-visual-block-a{background:#132c46e6;width:72px;height:118px;bottom:0;left:18%}.article-visual-block-b{border:2px solid var(--v4-navy);width:116px;height:58px;bottom:18px;right:19%}.article-visual-number{z-index:4;color:var(--v4-navy);letter-spacing:-.08em;font-size:clamp(3.4rem,7vw,6.4rem);font-weight:900;line-height:1;position:absolute;bottom:18px;right:30px}.article-visual-tax{background:linear-gradient(145deg,#fff8db 0%,#f3f1e9 58%,#edf1f4 100%)}.article-visual-tax .article-visual-orb-b{background:var(--v4-navy)}.article-visual-tax .article-visual-block-a{background:var(--v4-yellow)}.article-visual-cashflow{background:linear-gradient(145deg,#edf4f7 0%,#f9f7ef 100%)}.article-visual-cashflow .article-visual-line-a,.article-visual-cashflow .article-visual-line-b{height:4px}.article-visual-decision{background:linear-gradient(145deg,#eef2f5 0%,#fffaf0 100%)}.v4-topic-section,.v4-editorial-section,.v4-about-section,.v4-trust-section{padding:clamp(52px,7vw,86px) 0}.v4-topic-section{background:var(--v4-soft)}.v4-section-heading{margin-bottom:28px}.v4-section-heading h2,.v4-ranking-copy h2,.v4-about-grid h2{color:var(--v4-navy);letter-spacing:-.04em;margin:0;font-size:clamp(2rem,3.5vw,3.35rem);line-height:1.2}.v4-section-heading-split{justify-content:space-between;align-items:end;gap:32px;display:flex}.v4-topic-grid{border-top:1px solid var(--v4-line);border-left:1px solid var(--v4-line);grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.v4-topic-card{border-right:1px solid var(--v4-line);border-bottom:1px solid var(--v4-line);min-height:150px;color:var(--v4-navy);background:#fff;grid-template-columns:auto 1fr auto;align-items:start;gap:16px;padding:24px;text-decoration:none;transition:background .16s,transform .16s;display:grid}.v4-topic-card:hover{color:var(--v4-navy);background:#fffdf5}.v4-topic-number{color:#8b7640;padding-top:2px;font-size:.72rem;font-weight:900}.v4-topic-copy{gap:8px;display:grid}.v4-topic-copy strong{font-size:1rem;line-height:1.45}.v4-topic-copy small{color:var(--v4-muted);font-size:.78rem;line-height:1.65}.v4-topic-arrow{font-size:1.15rem}.v4-inline-link,.v4-primary-link{color:var(--v4-navy);font-weight:820;text-decoration:none}.v4-inline-link{border-bottom:3px solid var(--v4-yellow);padding-bottom:4px}.v4-primary-link{border:1px solid var(--v4-navy);border-radius:999px;align-items:center;min-height:48px;padding:0 18px;display:inline-flex}.v4-article-grid{gap:22px}.editorial-v4-home .article-card,.editorial-articles-page .article-card,.v4-related-section .article-card{border:1px solid var(--v4-line);box-shadow:none;background:#fff;border-radius:18px;transition:transform .18s,box-shadow .18s,border-color .18s;overflow:hidden}.editorial-v4-home .article-card:hover,.editorial-articles-page .article-card:hover,.v4-related-section .article-card:hover{box-shadow:var(--v4-shadow);border-color:#d7dce0;transform:translateY(-3px)}.article-card>a{padding:0!important}.article-card-content{gap:12px;padding:20px 20px 18px;display:grid}.article-card-content .card-meta{margin:0}.article-card-content h2,.article-card-content h3{color:var(--v4-navy);margin:0;font-size:1.18rem;line-height:1.5}.article-card-content>p{color:var(--v4-muted);margin:0;font-size:.86rem;line-height:1.7}.article-card-content .card-footer{border-top:1px solid var(--v4-line);margin-top:2px;padding-top:14px}.article-card-content .card-arrow{color:var(--v4-navy);font-weight:800}.v4-ranking-section{border-top:1px solid var(--v4-line);border-bottom:1px solid var(--v4-line);background:#fff;padding:clamp(62px,8vw,100px) 0}.v4-ranking-grid{grid-template-columns:minmax(0,.75fr) minmax(0,1.25fr);gap:clamp(48px,8vw,96px);display:grid}.v4-ranking-copy p:last-child{max-width:520px;color:var(--v4-muted);line-height:1.8}.v4-ranking-list{border-top:1px solid var(--v4-line);margin:0;padding:0;list-style:none}.v4-ranking-list li{border-bottom:1px solid var(--v4-line);grid-template-columns:80px 1fr;display:grid}.v4-rank-index{color:#b49017;align-items:center;font-size:1.55rem;font-weight:900;display:flex}.v4-ranking-list a{color:var(--v4-navy);grid-template-columns:1fr auto;gap:6px 20px;padding:22px 0;text-decoration:none;display:grid}.v4-ranking-eyebrow{color:var(--v4-muted);letter-spacing:.12em;grid-column:1/-1;font-size:.66rem;font-weight:800}.v4-ranking-list strong{line-height:1.48}.v4-ranking-link{white-space:nowrap;align-self:center;font-size:.8rem;font-weight:800}.v4-about-section{background:var(--v4-navy)}.v4-about-grid{grid-template-columns:minmax(0,1fr) minmax(0,.8fr);align-items:start;gap:clamp(42px,8vw,110px);display:grid}.v4-about-grid .v4-overline,.v4-about-grid h2,.v4-about-copy p,.v4-about-copy .v4-primary-link{color:#fff}.v4-about-copy p{color:#d7e0e8;margin-top:0;line-height:1.9}.v4-about-copy .v4-primary-link{border-color:#fff}.v4-trust-section{padding-top:46px;padding-bottom:58px}.v4-trust-grid{border-top:1px solid var(--v4-line);border-left:1px solid var(--v4-line);grid-template-columns:repeat(4,minmax(0,1fr));gap:0;display:grid}.v4-trust-grid>div{border-right:1px solid var(--v4-line);border-bottom:1px solid var(--v4-line);align-content:start;gap:7px;min-height:150px;padding:22px;display:grid}.v4-trust-grid strong{color:#b49017;font-size:.72rem}.v4-trust-grid span{color:var(--v4-navy);font-weight:820}.v4-trust-grid small{color:var(--v4-muted);line-height:1.6}.v4-empty-state{border:1px solid var(--v4-line);color:var(--v4-muted);padding:28px}.editorial-articles-page .page-header{max-width:900px;padding-bottom:18px}.editorial-articles-page .page-header h1{color:var(--v4-navy);letter-spacing:-.05em}.editorial-filter-nav{border:1px solid var(--v4-line);background:var(--v4-soft);gap:7px;padding:10px}.editorial-filter-nav a{background:#fff;border:1px solid #0000}.editorial-filter-nav a.is-active{color:var(--v4-navy);background:var(--v4-yellow-soft);border-color:#ead47a}.editorial-topic-index-section{border-top-color:var(--v4-line)}.editorial-topic-article-list a{color:var(--v4-navy)}.v4-article-page{background:#fff}.v4-article-shell{max-width:1180px}.v4-article-header{grid-template-columns:minmax(0,1fr) minmax(360px,.72fr);align-items:center;gap:clamp(42px,7vw,82px);padding:40px 0 38px;display:grid}.v4-article-header-copy h1{color:var(--v4-navy);letter-spacing:-.05em;margin:16px 0;font-size:clamp(2.45rem,4.8vw,4.7rem);line-height:1.12}.v4-article-description{color:#56636f;max-width:760px;margin:0;font-size:1.03rem;line-height:1.85}.v4-byline-row{border-top:1px solid var(--v4-line);grid-template-columns:repeat(4,auto);gap:24px;margin-top:28px;padding-top:18px;display:grid}.v4-byline-row div{gap:3px;display:grid}.v4-byline-row span{color:var(--v4-muted);font-size:.68rem}.v4-byline-row strong{color:var(--v4-navy);font-size:.8rem}.v4-disclosure-row{border-top:1px solid var(--v4-line);border-bottom:1px solid var(--v4-line);justify-content:space-between;align-items:center;gap:24px;padding:14px 0;display:flex}.v4-ad-disclosure{color:var(--v4-muted);gap:10px;font-size:.78rem;display:flex}.v4-ad-disclosure strong{color:var(--v4-navy)}.v4-disclosure-row>a{color:var(--v4-navy);white-space:nowrap;font-size:.76rem;font-weight:800}.v4-key-takeaways{background:var(--v4-yellow-soft);border:1px solid #ead47a;border-radius:16px;grid-template-columns:210px 1fr;gap:34px;margin:42px 0 50px;padding:30px;display:grid}.v4-key-label{align-content:start;gap:5px;display:grid}.v4-key-label span{color:#8b7640;letter-spacing:.12em;font-size:.66rem;font-weight:900}.v4-key-label strong{color:var(--v4-navy);font-size:.9rem}.v4-key-content h2{color:var(--v4-navy);margin:0;font-size:clamp(1.4rem,2.4vw,2rem);line-height:1.5}.v4-key-content ol{gap:8px;margin:20px 0 0;padding:0;list-style:none;display:grid}.v4-key-content li{grid-template-columns:36px 1fr;align-items:baseline;display:grid}.v4-key-content li span{color:#9d8327;font-size:.72rem;font-weight:900}.v4-key-content li a{color:var(--v4-navy);font-weight:720;text-decoration:none}.v4-article-layout{grid-template-columns:250px minmax(0,760px);justify-content:center;align-items:start;gap:54px;display:grid}.v4-article-sidebar{position:sticky;top:96px}.v4-toc{background:0 0;border:0;margin:0;padding:0}.v4-toc>p{color:var(--v4-muted);letter-spacing:.12em;margin:0 0 14px;font-size:.68rem;font-weight:900}.v4-toc ol{border-top:1px solid var(--v4-line);margin:0;padding:0;list-style:none}.v4-toc li{border-bottom:1px solid var(--v4-line)}.v4-toc a{color:#52606d;padding:11px 0;font-size:.78rem;line-height:1.5;text-decoration:none;display:block}.v4-article-body{font-size:1rem;line-height:1.95}.v4-article-body h2{color:var(--v4-navy);border-top:4px solid var(--v4-yellow);margin-top:2.8em;padding-top:.3em;font-size:clamp(1.65rem,2.5vw,2.25rem)}.v4-article-body h3{color:var(--v4-navy);margin-top:2.2em}.v4-field-insight{color:#fff;background:var(--v4-navy);border-radius:18px;margin-top:56px;padding:30px}.v4-field-insight .v4-overline,.v4-field-insight h2,.v4-field-insight a{color:#fff}.v4-field-insight h2{margin:0}.v4-field-insight>p:not(.v4-overline){color:#d6e0e8}.v4-field-stats{grid-template-columns:1fr 1fr;gap:10px;margin:24px 0;display:grid}.v4-field-stats p{border:1px solid #ffffff2e;gap:4px;margin:0;padding:16px;display:grid}.v4-field-stats strong{color:var(--v4-yellow);font-size:1.5rem}.v4-field-stats span{color:#d6e0e8;font-size:.76rem}.v4-source-section,.v4-disclaimer{margin-top:48px}.v4-source-section{border-top:1px solid var(--v4-line);border-bottom:1px solid var(--v4-line);padding:28px 0}.v4-disclaimer{border-radius:14px}.v4-related-section{border-top:1px solid var(--v4-line);margin-top:74px;padding-top:48px}@media (max-width:1050px){.desktop-nav{display:none}.mobile-nav{display:block}.v4-hero-grid,.v4-ranking-grid,.v4-about-grid,.v4-article-header{grid-template-columns:1fr}.v4-featured-card{max-width:760px}.v4-topic-grid,.v4-trust-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.v4-article-layout{grid-template-columns:1fr}.v4-article-sidebar{position:static}.v4-toc{border:1px solid var(--v4-line);background:var(--v4-soft);border-radius:14px;padding:18px}}@media (max-width:720px){.v4-hero{padding:34px 0 38px}.v4-hero-grid{gap:30px}.v4-hero-copy h1{font-size:clamp(2.5rem,12.5vw,3.55rem)}.v4-subtitle{font-size:1.05rem}.v4-lead{font-size:.92rem}.v4-hero-meta{gap:2px;display:grid}.article-visual{min-height:230px}.article-visual-compact{min-height:170px}.v4-featured-content{padding:20px}.v4-topic-section,.v4-editorial-section,.v4-about-section,.v4-trust-section{padding:46px 0}.v4-topic-grid,.v4-trust-grid{grid-template-columns:1fr}.v4-topic-card{min-height:112px;padding:18px}.v4-section-heading-split{flex-direction:column;align-items:start}.v4-ranking-list li{grid-template-columns:56px 1fr}.v4-ranking-list a{grid-template-columns:1fr}.v4-ranking-link{justify-self:start}.v4-about-grid{gap:28px}.v4-article-header{gap:28px;padding:26px 0 28px}.v4-article-header-copy h1{font-size:clamp(2.15rem,10vw,3rem)}.v4-byline-row{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.v4-disclosure-row{flex-direction:column;align-items:start}.v4-ad-disclosure{gap:4px;display:grid}.v4-key-takeaways{grid-template-columns:1fr;gap:18px;margin:30px 0 36px;padding:22px}.v4-article-layout{gap:32px}.v4-field-stats{grid-template-columns:1fr}.v4-field-insight{padding:24px}}
:root{--v5-navy:#102a43;--v5-navy-soft:#173b5b;--v5-yellow:#e9c94f;--v5-ink:#17212b;--v5-muted:#65717d;--v5-line:#e7ebef;--v5-soft:#f7f8fa;--v5-white:#fff;--v5-shadow:0 22px 60px #102a4314}body{background:var(--v5-white);color:var(--v5-ink);letter-spacing:0;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Hiragino Sans,Yu Gothic,Meiryo,sans-serif}.shell{width:min(100% - 48px,1240px)}.site-header{background:#fffffff0;border-bottom-color:#102a4317}.header-inner{min-height:74px}.brand{font-size:1.08rem;font-weight:820}.brand-mark{background:var(--v5-navy);color:#fff;border-radius:8px;width:32px;height:32px}.desktop-nav{gap:18px}.desktop-nav a{color:#30465a;font-size:.8rem;font-weight:680}.desktop-nav a:hover{color:var(--v5-navy)}.v5-hero{border-bottom:1px solid var(--v5-line);background:#fff;padding:clamp(56px,7vw,92px) 0 clamp(60px,7vw,92px)}.v5-hero-grid{grid-template-columns:minmax(0,.9fr) minmax(420px,1.1fr);align-items:center;gap:clamp(48px,7vw,92px)}.v5-hero-copy .v4-overline,.v5-section-heading .v4-overline,.v5-ranking-section .v4-overline,.v5-about-section .v4-overline,.v5-trust-section .v4-overline{color:#7d6b29;letter-spacing:.16em;font-size:.67rem}.v5-hero-copy h1{max-width:650px;color:var(--v5-navy);letter-spacing:-.058em;margin-bottom:20px;font-size:clamp(3rem,5.5vw,5.35rem);line-height:1.03}.v5-hero-copy .v4-subtitle{max-width:620px;color:var(--v5-ink);font-size:clamp(1.15rem,1.7vw,1.42rem);font-weight:720}.v5-hero-copy .v4-lead{color:#52616e;max-width:610px;margin-top:16px;font-size:.97rem;line-height:1.9}.v5-audience{color:var(--v5-navy);margin:28px 0 0;padding:0 0 0 18px;font-size:.86rem;font-weight:700;line-height:1.6;position:relative}.v5-audience:before{content:"";background:var(--v5-yellow);width:3px;position:absolute;top:.28em;bottom:.28em;left:0}.v5-featured-card{border-color:#dfe5ea;border-radius:14px;box-shadow:0 20px 56px #102a4312}.v5-featured-card .article-visual{min-height:285px}.v5-featured-card .v4-featured-content{padding:24px 26px 28px}.v5-featured-card .v4-featured-content h2{letter-spacing:-.025em;font-size:clamp(1.35rem,2.2vw,1.85rem)}.v5-featured-card .v4-featured-content p{font-size:.88rem;line-height:1.75}.v5-featured-card .v4-featured-meta span:first-child{border-bottom-width:2px}.v5-topic-section{background:var(--v5-soft);padding:clamp(56px,7vw,84px) 0}.v5-section-heading{max-width:720px;margin-bottom:30px}.v5-section-heading h2,.v5-ranking-section h2,.v5-about-section h2{color:var(--v5-navy);letter-spacing:-.042em;font-size:clamp(2rem,3.4vw,3.15rem)}.v5-section-lead{color:var(--v5-muted);margin:12px 0 0;line-height:1.8}.v5-topic-grid{border:0;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.v5-topic-card{border:1px solid var(--v5-line);background:#fff;border-radius:12px;min-height:138px;padding:22px}.v5-topic-card:hover{background:#fff;border-color:#cfd7df;transform:translateY(-2px);box-shadow:0 10px 28px #102a430f}.v5-topic-card .v4-topic-number{color:#aa8c22}.v5-topic-card .v4-topic-copy strong{font-size:.98rem}.v5-topic-card .v4-topic-copy small{color:#6b7680}.v5-topic-card .v4-topic-arrow{color:#7a8792}.v5-editorial-section{padding-top:clamp(60px,7vw,90px);padding-bottom:clamp(68px,8vw,100px)}.v5-section-heading-split{margin-bottom:30px}.v5-article-grid{gap:18px}.editorial-v5-home .article-card,.editorial-articles-page .article-card,.v4-related-section .article-card{border-color:var(--v5-line);box-shadow:none;border-radius:12px}.editorial-v5-home .article-card:hover,.editorial-articles-page .article-card:hover,.v4-related-section .article-card:hover{transform:translateY(-2px);box-shadow:0 16px 42px #102a4312}.article-card-content{gap:10px;padding:19px 19px 17px}.article-card-content h2,.article-card-content h3{color:var(--v5-navy);letter-spacing:-.02em;font-size:1.1rem;line-height:1.48}.article-card-content>p{color:#69747f;font-size:.83rem;line-height:1.7}.article-card-content .card-footer{padding-top:12px}.article-visual-compact{min-height:172px}.v5-ranking-section{background:#fff;padding:clamp(70px,8vw,108px) 0}.v5-ranking-grid{gap:clamp(52px,7vw,90px)}.v5-ranking-list li{grid-template-columns:70px 1fr}.v5-ranking-list a{padding:24px 0}.v5-ranking-list .v4-rank-index{color:#b89b2d;font-size:1.35rem}.v5-ranking-list strong{font-size:1.02rem}.v5-about-section{background:var(--v5-navy);padding:clamp(72px,8vw,108px) 0}.v5-about-grid{gap:clamp(46px,7vw,88px)}.v5-about-section h2,.v5-about-section p,.v5-about-section .v4-overline{color:#fff}.v5-about-section .v4-about-copy>p{color:#d8e0e7}.v5-proof-line{border-top:1px solid #ffffff2e;border-bottom:1px solid #ffffff2e;gap:4px;margin:24px 0 28px;padding:16px 0;display:grid}.v5-proof-line span{color:#b9c6d1;letter-spacing:.08em;font-size:.72rem}.v5-proof-line strong{color:#fff;font-size:.92rem;line-height:1.6}.v5-about-section .v4-primary-link{color:#fff;border-color:#ffffffa6}.v5-trust-section{background:#fff;padding:42px 0 58px}.v5-trust-grid{border-top:1px solid var(--v5-line);border-left:1px solid var(--v5-line);gap:0}.v5-trust-grid>div{border-right:1px solid var(--v5-line);border-bottom:1px solid var(--v5-line);background:#fff;padding:20px}.v5-trust-grid strong{color:#ae9028}.v5-trust-grid span{color:var(--v5-navy)}.v4-article-page .article-shell{max-width:1160px}.v4-article-hero{padding-top:36px}.v4-article-main h1{color:var(--v5-navy);letter-spacing:-.045em}.v4-article-summary,.conclusion-box,.v4-author-card{border-radius:10px}.v4-field-insight{border-radius:12px}@media (max-width:980px){.shell{width:min(100% - 36px,1240px)}.v5-hero-grid{grid-template-columns:1fr;gap:40px}.v5-hero-copy h1{max-width:760px}.v5-topic-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.v5-ranking-grid,.v5-about-grid{grid-template-columns:1fr}}@media (max-width:720px){.shell{width:min(100% - 28px,1240px)}.site-header .header-inner{min-height:64px}.brand{font-size:1rem}.brand-mark{width:30px;height:30px}.v5-hero{padding:40px 0 48px}.v5-hero-copy h1{font-size:clamp(2.55rem,13vw,4.2rem);line-height:1.02}.v5-hero-copy .v4-subtitle{font-size:1.05rem;line-height:1.55}.v5-hero-copy .v4-lead{font-size:.9rem;line-height:1.8}.v5-audience{margin-top:22px;font-size:.8rem}.v5-featured-card .article-visual{min-height:220px}.v5-featured-card .v4-featured-content{padding:20px 20px 22px}.v5-topic-section{padding:46px 0}.v5-topic-grid{grid-template-columns:1fr;gap:8px}.v5-topic-card{grid-template-columns:28px 1fr auto;min-height:0;padding:17px 16px}.v5-topic-card .v4-topic-copy small{display:none}.v5-editorial-section{padding-top:52px;padding-bottom:64px}.v5-section-heading-split{align-items:start;gap:16px}.v5-article-grid{grid-template-columns:1fr}.article-visual-compact{min-height:190px}.v5-ranking-section{padding:58px 0 68px}.v5-ranking-list li{grid-template-columns:50px 1fr}.v5-ranking-list a{grid-template-columns:1fr;padding:18px 0}.v5-ranking-link{display:none}.v5-about-section{padding:60px 0 68px}.v5-trust-grid{grid-template-columns:1fr 1fr}.v5-trust-grid>div{padding:16px 14px}}@media (max-width:430px){.v5-hero-copy h1{font-size:2.75rem}.v5-featured-content h2{font-size:1.25rem}.v5-trust-grid{grid-template-columns:1fr}}
.v5-topic-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.v5-topic-card{min-height:0;color:var(--v5-navy);background:#fff;border-radius:14px;padding:0;display:block;overflow:hidden}.v5-topic-card:hover{color:var(--v5-navy)}.topic-visual{aspect-ratio:16/9;border-bottom:1px solid var(--v5-line);background:#f1f4f6;width:100%;position:relative;overflow:hidden}.topic-visual svg{width:100%;height:100%;display:block}.topic-visual-bg{fill:#f3f5f6}.topic-visual-orb{fill:#102a430e}.topic-visual-axis{fill:none;stroke:#cbd3da;stroke-width:2px}.topic-visual-solid{fill:#173b5b}.topic-visual-solid-soft{fill:#49647b}.topic-visual-outline,.topic-visual-outline-fill{fill:#ffffff94;stroke:#173b5b;stroke-width:3px}.topic-visual-line{fill:none;stroke:#8e9ba6;stroke-width:3px;stroke-linecap:round}.topic-visual-line-strong{fill:none;stroke:#173b5b;stroke-width:4px;stroke-linecap:round;stroke-linejoin:round}.topic-visual-accent{fill:#f3cf3e}.topic-visual-dot{fill:#173b5b}.topic-visual-tax .topic-visual-bg{fill:#f8f4e8}.topic-visual-tax .topic-visual-orb{fill:#e9c94f29}.topic-visual-loan .topic-visual-bg{fill:#edf2f5}.topic-visual-holding .topic-visual-bg{fill:#f4f1eb}.topic-visual-sale .topic-visual-bg{fill:#eef3f4}.v5-topic-card-body{grid-template-columns:34px minmax(0,1fr) auto;align-items:start;gap:12px;padding:18px 18px 20px;display:grid}.v5-topic-card .v4-topic-number{padding-top:3px;font-size:.7rem}.v5-topic-card .v4-topic-copy{gap:7px;display:grid}.v5-topic-card .v4-topic-copy strong{font-size:1rem;line-height:1.45}.v5-topic-card .v4-topic-copy small{font-size:.76rem;line-height:1.6}.v5-topic-card .v4-topic-arrow{padding-top:1px}.v5-trust-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.v5-trust-grid>div{align-content:start;gap:10px;min-height:150px;padding:24px;display:grid}.v5-trust-grid>div strong{font-size:.75rem}.v5-trust-grid>div span{font-size:1rem;font-weight:760;line-height:1.4}.v5-trust-grid>div small{color:var(--v5-muted);font-size:.8rem;line-height:1.55}.site-footer{padding:38px 0 24px}.footer-grid{align-items:start;gap:44px}.footer-brand{margin:0 0 8px}.footer-copy{max-width:520px;margin:0;line-height:1.7}.footer-links{grid-template-columns:repeat(2,minmax(0,1fr));align-items:start;gap:5px 22px;display:grid}.footer-links a,.footer-links button{min-height:0;padding:7px 0;font-size:.84rem;line-height:1.45}.footer-bottom{gap:8px 28px;margin-top:28px;padding-top:18px}@media (max-width:720px){.v5-topic-section{padding:42px 0 48px}.v5-section-heading{margin-bottom:24px}.v5-topic-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.v5-topic-card{border-radius:11px}.topic-visual{aspect-ratio:4/3}.v5-topic-card-body{grid-template-columns:24px minmax(0,1fr) auto;gap:7px;padding:13px 11px 14px}.v5-topic-card .v4-topic-number{font-size:.61rem}.v5-topic-card .v4-topic-copy strong{font-size:.82rem;line-height:1.42}.v5-topic-card .v4-topic-copy small{display:none}.v5-topic-card .v4-topic-arrow{font-size:.86rem}.v5-ranking-section{padding-top:50px;padding-bottom:58px}.v5-about-section{padding:52px 0 58px}.v5-about-grid{gap:30px}.v5-trust-section{padding:36px 0 44px}.v5-trust-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.v5-trust-grid>div{gap:7px;min-height:132px;padding:16px 14px}.v5-trust-grid>div span{font-size:.88rem}.v5-trust-grid>div small{font-size:.7rem;line-height:1.5}.site-footer{padding:30px 0 20px}.footer-grid{gap:24px}.footer-copy{font-size:.82rem}.footer-links{grid-template-columns:repeat(2,minmax(0,1fr));gap:3px 16px}.footer-links a,.footer-links button{padding:6px 0;font-size:.78rem}.footer-bottom{gap:5px;margin-top:20px;padding-top:14px}.footer-bottom small{font-size:.69rem;line-height:1.5}}@media (max-width:430px){.v5-topic-grid,.v5-trust-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.v5-topic-card-body{grid-template-columns:21px minmax(0,1fr) 12px;gap:6px;padding:12px 9px 13px}.v5-topic-card .v4-topic-copy strong{font-size:.76rem}.v5-trust-grid>div{min-height:124px;padding:14px 12px}.v5-trust-grid>div span{font-size:.82rem}.v5-trust-grid>div small{font-size:.66rem}}
:root{--v5-yellow:#ffc107;--v5-navy:#0d1b2a;--v5-navy-soft:#17324a;--v5-ink:#17212b;--v5-muted:#65717d;--v5-line:#e6e8eb;--v5-soft:#f8f8f6}.site-header{border-top:4px solid var(--v5-yellow);background:#fffffff7}.header-inner{min-height:82px}.brand{color:inherit;align-items:center;gap:0;text-decoration:none;display:inline-flex}.smart-select-logo{color:var(--v5-yellow);align-items:center;gap:12px;display:inline-flex}.smart-select-mark{width:44px;height:44px;color:var(--v5-yellow);flex:0 0 44px;display:block}.smart-select-wordmark{letter-spacing:.12em;align-items:baseline;gap:.42em;font-size:.98rem;font-weight:820;line-height:1;display:inline-flex}.smart-select-word-smart{color:var(--v5-navy)}.smart-select-word-select{color:#d99f00}.desktop-nav a:hover,.footer-links a:hover{color:#b98500}.mobile-nav summary{color:var(--v5-navy);background:#fffaf0;border-color:#ffc10794}.v5-hero-copy .v4-overline,.v5-section-heading .v4-overline,.v5-ranking-section .v4-overline,.v5-about-section .v4-overline,.v5-trust-section .v4-overline{color:#a87900}.v5-audience:before{background:var(--v5-yellow);width:4px}.v5-featured-card{border-top:4px solid var(--v5-yellow)}.v5-topic-card .v4-topic-number,.v5-ranking-list .v4-rank-index,.v5-trust-grid strong{color:#a87900}.topic-visual-accent{fill:#ffc107}.v5-topic-card:hover{border-color:#ffc107bf}.v5-about-section{background:linear-gradient(135deg,#ffc107 0%,#ffd54a 100%)}.v5-about-section h2,.v5-about-section p,.v5-about-section .v4-overline,.v5-about-section .v4-about-copy>p{color:var(--v5-navy)}.v5-about-section .v4-primary-link{color:var(--v5-navy);background:#ffffff47;border-color:#0d1b2a8c}.v5-about-section .v4-primary-link:hover{background:#ffffff8c}.v5-trust-section{border-top:1px solid #f2d467}.site-footer{border-top:4px solid var(--v5-yellow);background:#fffdf8}.footer-brand{color:var(--v5-navy);letter-spacing:.08em;font-weight:820}.desktop-nav{gap:20px}.desktop-nav a{white-space:nowrap}.mobile-nav nav{min-width:min(78vw,330px)}.category-hub-page,.site-search-page{padding-bottom:88px}.category-hub-header,.site-search-header{max-width:780px}.category-hub-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:38px 0 72px;display:grid}.category-hub-card{border:1px solid var(--v5-line);color:var(--v5-navy);background:#fff;border-radius:14px;text-decoration:none;transition:transform .18s,border-color .18s,box-shadow .18s;overflow:hidden}.category-hub-card:hover{border-color:#ffc107cc;transform:translateY(-2px);box-shadow:0 16px 38px #0d1b2a12}.category-hub-card .topic-visual{aspect-ratio:16/10}.category-hub-card-body{grid-template-columns:28px 1fr;gap:8px 12px;padding:18px;display:grid}.category-hub-card-body>span{color:#a87900;font-size:.7rem;font-weight:800}.category-hub-card-body strong{font-size:1rem;line-height:1.45}.category-hub-card-body small{color:var(--v5-muted);grid-column:2;font-size:.76rem;line-height:1.6}.category-hub-sections{gap:28px;display:grid}.category-hub-section{border-top:1px solid var(--v5-line);grid-template-columns:minmax(240px,.75fr) minmax(0,1.25fr);gap:44px;padding:36px 0;scroll-margin-top:100px;display:grid}.category-hub-section-heading{grid-template-columns:36px 1fr;gap:14px;display:grid}.category-hub-section-heading>span{color:#a87900;padding-top:7px;font-size:.78rem;font-weight:800}.category-hub-section-heading h2{color:var(--v5-navy);margin:2px 0 8px;font-size:clamp(1.45rem,2.5vw,2.1rem)}.category-hub-section-heading p:last-child{color:var(--v5-muted);margin:0;line-height:1.7}.category-hub-article-list{border-top:1px solid var(--v5-line);margin:0;padding:0;list-style:none}.category-hub-article-list li{border-bottom:1px solid var(--v5-line)}.category-hub-article-list a{color:var(--v5-navy);grid-template-columns:54px 1fr auto;align-items:center;gap:16px;padding:18px 0;text-decoration:none;display:grid}.category-hub-article-list a>span:first-child{color:var(--v5-muted);font-size:.72rem}.category-hub-article-list strong{line-height:1.55}.category-hub-empty{color:var(--v5-muted);border-top:1px solid var(--v5-line);border-bottom:1px solid var(--v5-line);margin:0;padding:18px 0}.article-index-actions{flex-wrap:wrap;gap:12px 24px;margin-top:24px;display:flex}.article-index-actions a{color:var(--v5-navy);-webkit-text-decoration-color:var(--v5-yellow);text-decoration-color:var(--v5-yellow);text-underline-offset:6px;font-weight:750;text-decoration-thickness:3px}.site-search-panel{max-width:920px;margin-top:36px}.site-search-box{border:1px solid var(--v5-line);border-top:4px solid var(--v5-yellow);background:#fff;border-radius:14px;padding:clamp(22px,4vw,36px)}.site-search-box label{color:var(--v5-navy);margin-bottom:16px;font-size:1.15rem;font-weight:800;display:block}.site-search-input-wrap{background:#fff;border:1px solid #ccd3d9;border-radius:10px;grid-template-columns:34px 1fr;align-items:center;transition:border-color .18s,box-shadow .18s;display:grid}.site-search-input-wrap:focus-within{border-color:#d9a800;box-shadow:0 0 0 3px #ffc1072e}.site-search-input-wrap>span{text-align:center;color:#9b7800;font-size:1.25rem}.site-search-input-wrap input{width:100%;min-height:56px;color:var(--v5-navy);font:inherit;background:0 0;border:0;outline:0;padding:0 16px 0 0;font-size:1rem}.site-search-box>p{color:var(--v5-muted);margin:12px 0 0;font-size:.78rem;line-height:1.6}.site-search-suggestions{margin-top:22px}.site-search-suggestions>span{color:var(--v5-muted);margin-bottom:10px;font-size:.75rem;font-weight:700;display:block}.site-search-suggestions>div{flex-wrap:wrap;gap:8px;display:flex}.site-search-suggestions button{color:var(--v5-navy);font:inherit;cursor:pointer;background:#fffaf0;border:1px solid #ead27d;border-radius:999px;padding:8px 14px;font-size:.82rem;font-weight:700}.site-search-results{margin-top:34px}.site-search-results-heading{border-bottom:1px solid var(--v5-line);justify-content:space-between;align-items:center;padding-bottom:12px;display:flex}.site-search-results-heading span{color:#9b7800;letter-spacing:.14em;font-size:.7rem;font-weight:800}.site-search-results-heading strong{color:var(--v5-navy)}.site-search-results ul{margin:0;padding:0;list-style:none}.site-search-results li{border-bottom:1px solid var(--v5-line)}.site-search-results a{color:var(--v5-navy);padding:22px 0;text-decoration:none;display:block}.site-search-result-meta{color:#8d7000;margin-bottom:7px;font-size:.72rem;font-weight:800;display:block}.site-search-results strong{font-size:1.12rem;line-height:1.5;display:block}.site-search-results p{color:var(--v5-muted);margin:8px 0 10px;font-size:.86rem;line-height:1.65}.site-search-result-link{font-size:.8rem;font-weight:800}.site-search-empty{padding:30px 0}.site-search-empty strong{color:var(--v5-navy)}.site-search-empty p{color:var(--v5-muted);line-height:1.7}@media (max-width:980px){.category-hub-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.category-hub-section{grid-template-columns:1fr;gap:20px}}@media (max-width:720px){.header-inner{min-height:72px}.smart-select-logo{gap:9px}.smart-select-mark{flex-basis:38px;width:38px;height:38px}.smart-select-wordmark{letter-spacing:.09em;gap:.32em;font-size:.82rem}.mobile-nav summary{padding:10px 13px}.category-hub-page,.site-search-page{padding-bottom:60px}.category-hub-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:28px 0 52px}.category-hub-card{border-radius:11px}.category-hub-card .topic-visual{aspect-ratio:4/3}.category-hub-card-body{grid-template-columns:22px 1fr;gap:6px;padding:12px 10px 14px}.category-hub-card-body strong{font-size:.8rem}.category-hub-card-body small{display:none}.category-hub-section{padding:28px 0}.category-hub-article-list a{grid-template-columns:42px 1fr auto;gap:10px;padding:16px 0}.category-hub-article-list strong{font-size:.88rem}.site-search-box{padding:20px 16px}.site-search-input-wrap input{min-height:52px;font-size:.95rem}}@media (max-width:390px){.smart-select-wordmark{letter-spacing:.07em;font-size:.75rem}}
.v4-article-page{width:100%;max-width:100%;overflow-x:clip}.v4-article-shell,.v4-article-layout,.v4-article-sidebar,.v4-article-main,.v4-toc,.v4-article-body{min-width:0;max-width:100%}.v4-article-main,.v4-article-body{width:100%}.v4-article-body table,.v4-article-body img,.v4-article-body svg{max-width:100%}@media (max-width:1050px){.v4-article-layout,.v4-article-sidebar,.v4-toc{width:100%;max-width:100%}.v4-toc{overflow:hidden}.v4-toc ol,.v4-toc li,.v4-toc a{min-width:0;max-width:100%}.v4-toc a{overflow-wrap:anywhere}}@media (max-width:720px){.v4-key-takeaways,.v4-byline-row,.v4-disclosure-row,.v4-source-section,.v4-disclaimer{min-width:0;max-width:100%}}