:root{--red:#cd0000;--blue:#105fa6;--gray:#7b848d;--ink:#1f2937;--muted:#5f6b76;--bg:#f5f7f9;--card:#fff;--line:#e5e7eb;--radius:16px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}a{color:var(--blue)}.container{width:min(1180px,calc(100% - 32px));margin:auto}.site-header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.navbar{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:76px}.brand{font-weight:800;font-size:1.25rem;color:var(--red);text-decoration:none}.nav{display:flex;gap:18px;flex-wrap:wrap}.nav a{text-decoration:none;color:var(--ink);font-weight:700;font-size:.95rem}.nav a:hover{color:var(--red)}.hero{padding:72px 0 48px;background:linear-gradient(135deg,#fff 0%,#f6f8fb 100%)}.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:38px;align-items:center}.eyebrow{color:var(--red);font-weight:800;letter-spacing:.04em;text-transform:uppercase;font-size:.82rem}h1,h2,h3{line-height:1.2}h1{font-size:clamp(2rem,5vw,4rem);margin:.25em 0}h2{font-size:clamp(1.55rem,3vw,2.35rem)}h3{font-size:1.2rem}.lead{font-size:1.12rem;color:var(--muted);max-width:760px}.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-block;padding:14px 22px;border-radius:8px;text-decoration:none;font-weight:800;border:1px solid transparent}.btn-primary{background:var(--red);color:#fff}.btn-primary:hover{background:#a90000}.btn-secondary{background:#fff;color:var(--blue);border-color:var(--blue)}.hero-card,.card,.content-box{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 12px 34px rgba(0,0,0,.06)}.hero-card{padding:28px}.hero-card ul{padding-left:20px;margin:0}.section{padding:64px 0}.section-alt{background:#fff}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{padding:24px}.card h3{margin-top:0}.card p{color:var(--muted)}.card a{font-weight:800;text-decoration:none}.topic-list{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;padding:0;list-style:none}.topic-list li{background:#fff;border:1px solid var(--line);padding:16px;border-radius:12px}.breadcrumbs{font-size:.9rem;color:var(--muted);padding-top:24px}.breadcrumbs a{text-decoration:none}.content-wrap{display:grid;grid-template-columns:1fr 320px;gap:28px;align-items:start}.content-box{padding:32px}.sidebar{position:sticky;top:100px}.footer{background:#111827;color:#fff;padding:42px 0;margin-top:64px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.footer a{color:#fff}.small{font-size:.9rem;color:#cbd5e1}.badge{display:inline-block;background:#fff3f3;color:var(--red);padding:6px 10px;border-radius:999px;font-weight:800;font-size:.82rem}@media(max-width:900px){.hero-grid,.content-wrap,.footer-grid{grid-template-columns:1fr}.cards{grid-template-columns:repeat(2,1fr)}.sidebar{position:static}}@media(max-width:640px){.navbar{align-items:flex-start;padding:16px 0;flex-direction:column}.nav{gap:12px}.hero{padding-top:44px}.cards,.topic-list{grid-template-columns:1fr}.container{width:min(100% - 24px,1180px)}}


.article h2{margin-top:2.2em}
.article h3{margin-top:1.6em}
.article ul{padding-left:22px}
.quick-answer,.decision-box,.cta-panel{
  margin:28px 0;padding:22px;border-radius:14px;
  border-left:5px solid #cd0000;background:#fff7f7
}
.decision-box{border-left-color:#105fa6;background:#f4f9fd}
.cta-panel{border-left-color:rgba(242,70,12,.85);background:#fff8f5}
.table-wrap{overflow-x:auto;margin:22px 0}
.compare-table{width:100%;border-collapse:collapse;min-width:660px}
.compare-table th,.compare-table td{padding:14px;border:1px solid #dfe3e8;text-align:left;vertical-align:top}
.compare-table th{background:#105fa6;color:#fff}
.compare-table tbody tr:nth-child(even){background:#f7f8f9}
.faq details{background:#fff;border:1px solid #e5e7eb;border-radius:12px;padding:16px 18px;margin:12px 0}
.faq summary{font-weight:800;cursor:pointer;color:#1f2937}
.article-list{margin:22px 0}
.article-teaser{border:1px solid #e5e7eb;border-radius:14px;padding:22px;background:#fff}
.article-teaser h3 a{text-decoration:none;color:#1f2937}
.article-teaser h3 a:hover{color:#cd0000}
.text-link{font-weight:800;text-decoration:none;color:#105fa6}


.article-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
@media(max-width:700px){.article-list{grid-template-columns:1fr}}