*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:#F4FAFC;color:#0B1F2A;font-family:'Manrope',system-ui,sans-serif;font-size:17px;line-height:1.65}
a{color:#0B6F92}a:hover{color:#08506A}
img{max-width:100%}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;border:0;border-radius:14px;background:linear-gradient(180deg,#0C93BC,#0A7DA2);color:#fff;font:inherit;font-weight:800;font-size:15px;text-decoration:none;cursor:pointer}
.btn:hover{color:#fff;filter:brightness(1.06)}

/* nav + hero (deep blue, matches the home page) */
.nav{position:absolute;top:0;left:0;right:0;z-index:2}
.nav-in{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px;padding-top:18px;padding-bottom:18px}
.logo{display:flex;align-items:center;gap:8px;color:#fff;font-weight:800;font-size:18px;text-decoration:none}
.nav nav{display:flex;gap:22px;flex-wrap:wrap}
.nav nav a{color:#D7F1F7;font-weight:700;font-size:15px;text-decoration:none;padding:8px 0}
.qhero{position:relative;background:radial-gradient(120% 120% at 80% 10%,#0E7FA6 0%,#0A4A63 45%,#04212F 100%);color:#fff;padding:110px 0 96px;overflow:hidden}
.qhero h1{font-family:'Instrument Serif',Georgia,serif;font-weight:400;font-size:clamp(38px,6vw,64px);line-height:1.02;margin:12px 0 14px;max-width:880px;letter-spacing:-.01em}
.qhero h1 em{color:#8FE6F5}
.qhero .lead{font-size:19px;color:#CFEAF2;max-width:620px;margin:0}
.qhero .meta{color:#B9DDE8;font-size:14px;margin:0}
.crumbs{font-size:14px;color:#B9DDE8}.crumbs a{color:#D7F1F7;text-decoration:none}
.qwave{position:absolute;left:0;bottom:-1px;width:100%;height:70px;display:block}

/* layout */
.qmain{display:flex;flex-wrap:wrap;gap:40px;align-items:flex-start;padding-bottom:64px}
.qcol{flex:999 1 620px;min-width:0}
.qside{flex:1 1 280px;position:sticky;top:24px}
@media (max-width:960px){.qside{position:static;order:-1;display:none}}

.answer{position:relative;margin-top:-56px;background:#fff;border:1px solid #D4E7ED;border-left:0;border-radius:22px;padding:24px 26px;box-shadow:0 20px 50px rgba(10,74,99,.10)}
.answer .a-label{font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#0B6F92;margin-bottom:6px}
.answer p{margin:0;font-size:19px;line-height:1.55}
.toc{margin:28px 0 8px;padding:18px 22px;border-radius:18px;background:#E9F6FA}
.toc ol{margin:8px 0 0;padding-left:20px}.toc li{margin:2px 0}
.prose h2,.faq h2,.sources h2,.related h2,.cta h2{font-family:'Instrument Serif',Georgia,serif;font-weight:400;font-size:clamp(28px,4vw,36px);line-height:1.1;margin:44px 0 12px}
.prose p,.prose li{max-width:720px}
.prose ul,.prose ol{padding-left:22px}

.inline-picks{margin:36px 0;padding:22px;border-radius:24px;background:linear-gradient(180deg,#E4F5F9,#fff);border:1px solid #D4E7ED}
.ip-head{display:flex;flex-direction:column;margin-bottom:14px}.ip-head span{font-size:14px;color:#47606B}
.pgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px}
.pcard,.side-card{background:#fff;border:1px solid #D4E7ED;border-radius:20px;padding:12px 12px 16px;display:flex;flex-direction:column;gap:6px;box-shadow:0 12px 30px rgba(10,74,99,.07)}
.pimg{height:130px;border-radius:14px;background:radial-gradient(90% 90% at 50% 20%,#E4F5F9,#BDE8F2);display:flex;align-items:flex-end;justify-content:flex-end;padding:8px 10px;font-size:12px;color:#2F5866}
.pimg.sm{height:110px}
.pkind{font-size:11.5px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:#0B6F92;margin-top:6px}
.pname{margin:0;font-size:17px;font-weight:800}
.pbadge{margin:0;font-size:13px;font-weight:700;color:#08506A}
.pwhy{margin:0 0 6px;font-size:14px;color:#47606B;line-height:1.45}
.pcard .btn,.side-card .btn{margin-top:auto}
.side-card .fine{margin:2px 0 0;font-size:12px;color:#47606B;text-align:center}

.tbl{margin:28px 0}.tscroll{overflow-x:auto;border:1px solid #D4E7ED;border-radius:18px;background:#fff}
table{border-collapse:collapse;width:100%;font-size:15px}
caption{text-align:left;padding:14px 16px 4px;font-weight:800}
th,td{padding:12px 16px;border-bottom:1px solid #EEF6F8;text-align:left;vertical-align:top}
thead th{background:#F4FAFC;font-weight:800}
tbody th{font-weight:700}

.faq details{background:#fff;border:1px solid #D4E7ED;border-radius:16px;margin:10px 0;padding:0 20px}
.faq summary{cursor:pointer;font-weight:800;padding:16px 0;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:#0B6F92;font-weight:800}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0 0 16px}

.cta{margin-top:48px;display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between;padding:28px;border-radius:26px;background:radial-gradient(120% 120% at 80% 10%,#0E7FA6,#0A4A63 55%,#04212F);color:#fff}
.cta h2{margin:0 0 4px;color:#fff}.cta p{margin:0;color:#CFEAF2}
.cta-form{display:flex;gap:8px;flex-wrap:wrap}
.cta-form input{height:48px;padding:0 16px;border:0;border-radius:12px;font:inherit;font-weight:600;width:170px}
.cta-form .btn{background:#22B8D6;color:#04212F}

.sources ul{padding-left:20px;font-size:15px}
.rel-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px}
.rel{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:16px 18px;background:#fff;border:1px solid #D4E7ED;border-radius:16px;font-weight:800;color:#0B1F2A;text-decoration:none}

.hub .lead{margin-top:6px}
.hub-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:16px;margin:-40px 0 64px;position:relative}
.hub-card{display:flex;flex-direction:column;gap:6px;padding:22px;background:#fff;border:1px solid #D4E7ED;border-radius:20px;text-decoration:none;color:#0B1F2A;box-shadow:0 14px 34px rgba(10,74,99,.07)}
.hub-card h2{margin:0;font-size:19px;line-height:1.3}
.hub-card p{margin:0;font-size:15px;color:#47606B}
.hub-card .more{margin-top:auto;font-weight:800;color:#0B6F92;font-size:14px}

.foot{background:#04212F;color:#B9DDE8;font-size:14px}
.foot-in{padding:40px 20px 56px}.foot a{color:#8FE6F5}.foot strong{color:#fff}