:root{--bg:#f2f0ea;--paper:#fffdf8;--ink:#111b2c;--muted:#5e6774;--line:#d8d4c9;--navy:#0a1930;--blue:#163a67;--copper:#c57438;--gold:#e0a15c;--green:#176548;--radius:18px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.72 Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Arial,sans-serif}a{color:#91501f;text-underline-offset:4px}img{max-width:100%}.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;z-index:20;background:#fff;padding:10px}.review-bar{display:flex;justify-content:center;gap:28px;background:#071426;color:#c5d2df;padding:8px 20px;font-size:12px}.site-header{height:76px;display:flex;align-items:center;justify-content:space-between;padding:0 max(22px,calc((100vw - 1160px)/2));border-bottom:1px solid var(--line);background:rgba(242,240,234,.96);position:sticky;top:0;z-index:8;backdrop-filter:blur(10px)}.brand{display:flex;align-items:center;gap:10px;color:var(--ink);font-size:20px;font-weight:900;text-decoration:none}.brand>span:last-child span{color:var(--copper);margin-left:3px}.brand-mark{display:grid;place-items:center;width:45px;height:37px;background:var(--navy);color:#fff;border-radius:10px;font-size:12px;letter-spacing:.08em}.site-header nav{display:flex;gap:22px}.site-header nav a{color:#384354;text-decoration:none;font-size:14px;font-weight:750}.top-ad,.listing-shell,.content-shell{max-width:1160px;margin:0 auto;padding:0 22px}.ad-banner{position:relative;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:8px 28px;align-items:center;margin:26px 0;padding:24px 28px;border:1px solid #176b50;border-radius:4px;background:linear-gradient(120deg,#043e2c,#075d34);color:#fff;overflow:hidden;box-shadow:0 16px 35px rgba(6,56,39,.13)}.ad-label{grid-column:1;color:#8fe0bd;text-transform:uppercase;letter-spacing:.14em;font-size:11px;font-weight:800}.ad-copy{display:flex;flex-direction:column;gap:5px}.ad-copy strong{font-size:clamp(20px,2.3vw,30px);line-height:1.1;color:#fff}.ad-copy span{color:#a8e6c8;font-size:14px}.ad-banner>a{grid-column:2;grid-row:1/span 2;background:#20cf70;color:#052d20;text-decoration:none;font-weight:900;padding:13px 22px;border-radius:999px;white-space:nowrap}.ad-banner>i{position:absolute;right:12px;top:7px;color:#78ab91;font-style:normal;font-size:10px;font-weight:900}.ad-banner--compact{grid-template-columns:1fr;padding:18px;margin-top:14px}.ad-banner--compact .ad-copy strong{font-size:18px}.ad-banner--compact .ad-copy span{font-size:12px}.ad-banner--compact>a{grid-column:1;grid-row:auto;text-align:center;margin-top:8px;padding:10px 14px}.hero{max-width:1160px;margin:0 auto;padding:68px 22px 62px;display:grid;grid-template-columns:1.08fr .92fr;gap:64px;align-items:center}.eyebrow{color:var(--copper);font-size:12px;font-weight:900;letter-spacing:.13em;text-transform:uppercase}.hero h1,.listing-hero h1,.content-shell>h1{font-size:clamp(52px,7vw,88px);line-height:.96;letter-spacing:-.06em;margin:15px 0 24px}.hero h1 span{color:var(--copper)}.hero-text,.lead{font-size:20px;color:#4c5766;max-width:690px}.hero-actions{display:flex;gap:20px;align-items:center;margin-top:28px}.button,.cta>a,.final-cta>a{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;padding:12px 18px;border-radius:999px;font-weight:850}.button.secondary{margin-top:24px;background:var(--copper)}.text-link{font-weight:850}.identity-card{background:var(--navy);color:#fff;border-radius:24px;padding:8px}.identity-card>div{padding:25px}.identity-card>div+div{border-top:1px solid #314158}.identity-card span{color:#e6ad70;font-size:12px;text-transform:uppercase;font-weight:850}.identity-card b{display:block;font-size:25px;margin:4px 0}.identity-card p{color:#c3cedb;margin:0}.trust-strip{max-width:1160px;margin:0 auto 20px;padding:18px 22px;display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:16px;overflow:hidden}.trust-strip>div{background:var(--paper);padding:16px}.trust-strip span{display:block;color:var(--muted);font-size:11px;text-transform:uppercase}.trust-strip b{font-size:14px}.section{max-width:1160px;margin:0 auto;padding:72px 22px}.section-head{display:flex;justify-content:space-between;gap:40px;align-items:end;margin-bottom:28px}.section-head h2,.regulation h2,.final-cta h2,.content-shell h2{font-size:clamp(34px,4.5vw,56px);line-height:1.05;letter-spacing:-.045em;margin:10px 0}.section-head>p{max-width:480px;color:var(--muted)}.steps,.method-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.steps article,.method-grid article{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:23px}.steps b,.method-grid b{color:var(--copper);font-size:25px}.steps h3,.method-grid h3{margin:8px 0}.steps p,.method-grid p{color:var(--muted)}.dark-section{max-width:none;background:var(--navy);color:#fff;padding-left:max(22px,calc((100vw - 1160px)/2));padding-right:max(22px,calc((100vw - 1160px)/2))}.dark-section .section-head p,.dark-section .card p,.dark-section .card small{color:#aebccc}.dark-section .card{background:#102443;border-color:#30425f}.dark-section .card h2,.dark-section .card a{color:#fff}.light-link{color:#f2bd7d}.fee-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.fee-grid article{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:24px}.fee-grid article.highlight{background:#10213b;color:#fff;border-color:#10213b}.fee-grid span{font-size:12px;text-transform:uppercase;color:var(--copper);font-weight:850}.fee-grid b{display:block;font-size:31px;margin:10px 0}.fee-grid p{color:var(--muted)}.fee-grid .highlight p{color:#bdc9d6}.fee-grid .highlight a{color:#f4b56e}.regulation{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}.risk-card{background:#fff0e0;border-left:5px solid var(--copper);padding:28px;border-radius:14px}.risk-card>b{font-size:24px}.final-cta{display:flex;justify-content:space-between;align-items:center;gap:40px;background:#dfe8ed;border-radius:24px;margin-bottom:70px}.final-cta p{max-width:740px}.listing-hero{display:grid;grid-template-columns:1fr auto;gap:10px 35px;align-items:end;padding:52px 0 32px}.listing-hero h1{font-size:clamp(44px,6vw,72px)}.listing-hero p{max-width:760px;color:var(--muted);font-size:18px}.stat{grid-column:2;grid-row:1/span 3;text-align:right}.stat b{display:block;font-size:66px;line-height:1;color:var(--copper)}.stat span{text-transform:uppercase;font-size:11px}.category-nav{display:flex;gap:8px;flex-wrap:wrap;border-block:1px solid var(--line);padding:15px 0;margin-bottom:28px}.category-nav a{padding:8px 12px;border-radius:999px;color:var(--ink);text-decoration:none;font-size:13px;font-weight:800}.category-nav a.active,.category-nav a:hover{background:var(--navy);color:#fff}.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{border:1px solid var(--line);background:var(--paper);border-radius:16px}.card>a{display:flex;flex-direction:column;height:100%;padding:22px;color:var(--ink);text-decoration:none}.card span{color:var(--copper);font-size:11px;text-transform:uppercase;font-weight:850}.card h2{font-size:20px;line-height:1.25;margin:9px 0}.card p{color:var(--muted);font-size:14px;margin:0 0 17px}.card small{margin-top:auto;color:var(--muted)}.card:hover{border-color:var(--copper);transform:translateY(-2px);transition:.2s}.article-shell{max-width:1160px;margin:0 auto;padding:30px 22px 80px}.breadcrumbs{display:flex;gap:8px;flex-wrap:wrap;color:var(--muted);font-size:13px;margin:5px 0 34px}.article-grid{display:grid;grid-template-columns:minmax(0,780px) 290px;gap:54px}.article-head,.article-body{grid-column:1}.article-head h1{font-size:clamp(40px,6vw,68px);line-height:1.03;letter-spacing:-.05em;margin:12px 0 20px}.dek{font-size:20px;color:#4c5663;border-left:4px solid var(--copper);padding-left:20px}.byline{display:flex;gap:18px;flex-wrap:wrap;border-block:1px solid var(--line);padding:14px 0;margin:25px 0 15px;font-size:13px;color:var(--muted)}.tags{display:flex;gap:8px;flex-wrap:wrap}.tag{background:#e8e4dc;border-radius:999px;padding:6px 10px;font-size:12px;font-weight:750}.tag.risk{background:#ffe7cd;color:#8f4517}.article-aside{grid-column:2;grid-row:1/span 2}.aside-sticky{position:sticky;top:98px}.toc{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:20px;max-height:55vh;overflow:auto}.toc b{display:block;margin-bottom:10px}.toc ol{margin:0;padding-left:20px}.toc li+li{margin-top:8px}.toc a{font-size:13px;color:#46505c;text-decoration:none}.article-body h2{font-size:34px;line-height:1.16;letter-spacing:-.025em;margin:55px 0 14px;scroll-margin-top:96px}.article-body h3{font-size:22px;margin:28px 0 8px}.article-body p,.article-body li{color:#303a47}.article-body blockquote{margin:22px 0;padding:17px 20px;border-left:4px solid var(--copper);background:#fff0e1;border-radius:0 12px 12px 0}.article-body table,.content-shell table{width:100%;border-collapse:collapse;background:var(--paper);margin:22px 0}.article-body th,.article-body td,.content-shell th,.content-shell td{padding:11px;border:1px solid var(--line);text-align:left;vertical-align:top}.article-body img{display:block;border:1px solid var(--line);border-radius:16px;background:#fff}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.related-card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:15px;background:var(--paper);padding:18px;color:var(--ink);text-decoration:none}.related-card small{color:var(--copper);font-weight:800}.related-card b{margin:7px 0}.related-card span{color:var(--muted);font-size:13px}.author-box{display:grid;grid-template-columns:auto 1fr;gap:18px;background:var(--navy);color:#fff;border-radius:18px;padding:25px;margin-top:34px}.author-mark{display:grid;place-items:center;width:58px;height:58px;border-radius:14px;background:var(--copper);font-weight:900}.author-box p{color:#bdc9d5}.cta{background:#dce7ed;border-radius:18px;padding:26px;margin-top:35px}.cta h2{margin-top:0}.content-shell{padding-bottom:75px}.content-shell>h1{font-size:clamp(45px,6vw,72px);max-width:900px}.table-wrap{overflow:auto}.method{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;padding:0;list-style:none}.method li,.source-panel{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:18px}.source-panel a{word-break:break-word}footer{border-top:1px solid var(--line);padding:28px;text-align:center;color:var(--muted);font-size:12px}@media(max-width:900px){.site-header nav{overflow:auto}.hero,.regulation,.article-grid{grid-template-columns:1fr}.article-head,.article-body,.article-aside{grid-column:1}.article-aside{grid-row:auto}.aside-sticky{position:static}.trust-strip,.steps,.method-grid{grid-template-columns:repeat(2,1fr)}.card-grid,.fee-grid{grid-template-columns:repeat(2,1fr)}.method{grid-template-columns:1fr 1fr}.final-cta{align-items:flex-start;flex-direction:column}.listing-hero{grid-template-columns:1fr}.stat{grid-column:1;grid-row:auto;text-align:left}}@media(max-width:600px){.review-bar{justify-content:flex-start;overflow:auto;white-space:nowrap}.site-header nav a:nth-child(n+3){display:none}.hero{padding-top:44px}.hero h1{font-size:51px}.trust-strip,.steps,.method-grid,.card-grid,.fee-grid,.method{grid-template-columns:1fr}.section,.article-shell,.listing-shell,.content-shell{padding-left:17px;padding-right:17px}.article-head h1{font-size:41px}.article-body h2{font-size:28px}.ad-banner{grid-template-columns:1fr;padding:20px}.ad-banner>a{grid-column:1;grid-row:auto;text-align:center}.stat b{font-size:50px}}
.ad-copy em{align-self:flex-start;background:#d7ff9b;color:#123d26;border-radius:999px;padding:5px 10px;font-size:12px;font-style:normal;font-weight:950;letter-spacing:.02em}.reward-kicker{display:inline-flex;background:#d7ff9b;color:#123d26;border-radius:999px;padding:6px 11px;font-size:12px;font-weight:950}.funnel-page>section{margin:48px 0}.funnel-page .cta{margin:42px 0}.funnel-steps{display:grid;gap:12px;padding:0;counter-reset:item;list-style:none}.funnel-steps li{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:18px 20px}.proof-grid,.layer-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.proof-grid article,.layer-grid article{background:var(--paper);border:1px solid var(--line);border-radius:15px;padding:20px}.proof-grid b,.layer-grid b{font-size:20px}.proof-grid p,.layer-grid p{color:var(--muted);margin-bottom:0}.disclosure,.warning-panel{padding:20px 22px;border-left:5px solid var(--copper);background:#fff0e0;border-radius:0 14px 14px 0}.reward-hero{background:linear-gradient(135deg,#071d34,#075d34);color:#fff;border-radius:22px;padding:34px}.reward-hero span{display:block;color:#96e8c1;font-weight:900;letter-spacing:.12em;font-size:12px}.reward-hero b{display:block;color:#d7ff9b;font-size:clamp(42px,7vw,76px);line-height:1.05;margin:10px 0}.reward-hero p{max-width:800px;color:#d3e5dc}.check-list{display:grid;gap:10px;padding-left:22px}.cta-links{display:flex;gap:12px;align-items:center;flex-wrap:wrap}.cta-links>a{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;padding:12px 18px;border-radius:999px;font-weight:850}.cta-links>a.secondary-link{background:transparent;color:var(--navy);border:1px solid var(--navy)}.funnel-overview{background:#e4ecef;border-radius:24px;margin-bottom:70px}.funnel-overview .layer-grid{grid-template-columns:repeat(5,1fr)}.funnel-overview .layer-grid a{color:var(--ink);text-decoration:none}.funnel-overview .layer-grid article:hover{border-color:var(--copper)}
@media(max-width:900px){.funnel-overview .layer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.proof-grid,.layer-grid,.funnel-overview .layer-grid{grid-template-columns:1fr}.cta-links{align-items:stretch;flex-direction:column}.cta-links>a{width:100%;text-align:center}.ad-copy em{font-size:11px}}
