:root{--blue:#173f82;--blue2:#2563eb;--navy:#172554;--ink:#172033;--muted:#64748b;--bg:#f5f7fb;--line:#dfe5ed;--soft:#f7faff}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:85px}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65}a{color:inherit;text-decoration:none}p{margin:0 0 14px}ul{padding-left:21px}li{margin-bottom:7px}.wrap{width:min(1240px,calc(100% - 40px));margin:auto}.top{background:#fff;border-bottom:1px solid #e5e7eb;position:sticky;top:0;z-index:100}.nav{min-height:60px;display:flex;align-items:center;justify-content:space-between}.logo{font-size:22px;font-weight:800;color:var(--navy)}.logo span{color:var(--blue2)}.links{display:flex;gap:20px;font-size:12px;font-weight:700;color:#475569}.hero{background:linear-gradient(110deg,#172554,#1d4ed8);color:#fff;padding:28px 0}.hero h1{font-size:34px;line-height:1.18;margin:0 0 7px}.hero h2{font-size:16px;color:#dbeafe;margin:0 0 8px}.kicker{font-size:11px;text-transform:uppercase;letter-spacing:.5px;color:#bfdbfe;font-weight:800}.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;padding:16px 0 22px}.fact,.card,.section{background:#fff;border:1px solid var(--line);border-radius:9px}.fact{padding:13px 15px}.fact small{display:block;color:var(--muted);font-size:10px}.fact strong{display:block;color:var(--blue);font-size:13px;margin-top:3px}.layout{display:grid;grid-template-columns:225px minmax(0,1fr);gap:22px;padding-bottom:50px}.side{position:sticky;top:78px}.side .title{background:#eef5ff;color:var(--blue);padding:13px;font-size:13px;font-weight:800}.side a{display:block;background:#fff;border:1px solid #edf0f4;border-top:0;padding:10px 13px;font-size:12px;font-weight:600;color:#475569}.side a:hover{color:var(--blue2);background:#f7faff}.section{padding:26px 28px;margin-bottom:18px;scroll-margin-top:82px}.section h2{font-size:23px;color:#102a43;border-bottom:1px solid #e5eaf0;padding-bottom:11px;margin:0 0 17px}.section h3{font-size:17px;color:var(--blue);margin:22px 0 9px}.section p,.section li{font-size:14px;color:#334155}.notice{background:var(--soft);border-left:3px solid var(--blue2);padding:14px 16px;border-radius:6px;margin:16px 0}.notice strong{display:block;color:var(--blue);font-size:13px;margin-bottom:4px}.notice p{margin:0;font-size:13px}.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}.statgrid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}.stat{padding:14px;border:1px solid #dbe7f5;border-radius:8px;background:#fbfdff}.stat strong{display:block;color:var(--blue2);font-size:21px}.stat span{font-size:11px;color:var(--muted)}table{width:100%;border-collapse:collapse;font-size:13px;margin:14px 0 18px}th{background:#eef4fb;color:var(--blue);text-align:left;font-weight:800}th,td{border:1px solid #dce3eb;padding:10px;vertical-align:top}tr:nth-child(even) td{background:#fafcff}.scroll{overflow-x:auto}.pros{background:#f4fcf6;border:1px solid #ccebd5;border-radius:8px;padding:15px}.warn{background:#fff9f1;border:1px solid #f4ddbb;border-radius:8px;padding:15px}.faq details{background:#fff;border:1px solid #dfe5ed;border-radius:8px;margin:9px 0}.faq summary{cursor:pointer;padding:13px 15px;font-weight:800;color:var(--blue);font-size:13px}.faq .answer{padding:0 15px 14px;color:#475569;font-size:13px}.buttons{display:flex;gap:10px;flex-wrap:wrap}.btn{display:inline-block;background:var(--blue2);color:#fff;padding:9px 13px;border-radius:6px;font-size:12px;font-weight:800}.btn.alt{background:#eef4ff;color:var(--blue)}footer{background:#172554;color:#dbeafe;padding:24px 0;font-size:12px}.mobile{display:none}@media(max-width:900px){.links{display:none}.wrap{width:min(100% - 24px,700px)}.facts{grid-template-columns:repeat(2,1fr)}.layout{display:block}.side{display:none}.mobile{display:block;position:sticky;top:60px;z-index:80;width:29%;min-width:105px;margin:12px 0 14px auto}.mobile details{background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:0 3px 12px #0f172a1c}.mobile summary{padding:8px 10px;font-size:11px;font-weight:800;color:var(--blue);cursor:pointer;white-space:nowrap}.mobile nav{padding:4px 0}.mobile nav a{display:block;padding:8px 10px;font-size:11px;border-top:1px solid #edf0f4}.hero h1{font-size:27px}.section{padding:21px 18px}.grid{grid-template-columns:1fr}.statgrid{grid-template-columns:repeat(2,1fr)}table{min-width:600px}}@media(max-width:520px){.facts{grid-template-columns:1fr 1fr;gap:8px}.fact{padding:10px}.hero{padding:23px 0}.hero h1{font-size:24px}.hero h2{font-size:14px}.section h2{font-size:20px}.stat strong{font-size:18px}}