:root{--red:#b51f2a;--red2:#8f1323;--gold:#f5cd00;--yellow:#ffdd22;--blue:#174b9c;--navy:#142b4b;--ice:#edf3fa;--purple:#702c92;--ink:#19283b;--muted:#607085;--white:#fff;--border:#dbe4ef}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font:16px/1.58 system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;background:var(--ice)}img{max-width:100%;height:auto}a{color:var(--blue);text-underline-offset:3px}a:hover{color:var(--red)}a:focus-visible,button:focus-visible{outline:3px solid #076fe8;outline-offset:4px}.container{width:min(1120px,calc(100% - 34px));margin:0 auto}.topbar{background:#fff;border-bottom:1px solid #e4e9ef}.toprow{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:74px}.logolink{display:flex;align-items:center;justify-content:center;width:58px;height:58px;border-radius:12px;background:#fff;flex:0 0 auto}.logolink img{width:49px;height:49px;object-fit:contain}.mainnav{display:flex;gap:clamp(9px,1.6vw,25px);align-items:center;flex-wrap:wrap;justify-content:flex-end}.mainnav a{font-size:14px;font-weight:750;color:#314053;text-decoration:none}.mainnav a:hover{color:var(--red)}.topcta{background:var(--red);padding:10px 16px;border-radius:8px;color:#fff!important;box-shadow:0 3px 0 var(--red2)}.tick{background:var(--navy);color:#fff;overflow:hidden;border-bottom:4px solid var(--gold)}.tick .container{display:flex;gap:20px;align-items:center;justify-content:space-between;padding:9px 0}.ticktext{font-weight:750;letter-spacing:.035em;font-size:13px}.ticktext b{color:var(--yellow)}.tick button{font:700 12px system-ui;border:1px solid #8092b0;color:#fff;background:transparent;border-radius:5px;padding:5px 10px;cursor:pointer}.risk{background:#fff7dd;border-bottom:1px solid #e8d994;color:#553e18;font-size:12px;text-align:center;padding:7px 14px}.eyebrow{text-transform:uppercase;font-size:12px;letter-spacing:.16em;font-weight:850}.hero{padding:30px 0 13px}.hero-banner{position:relative;overflow:hidden;isolation:isolate;border:1px solid #e3ac00;min-height:380px;border-radius:16px;background:linear-gradient(118deg,#ffef7d 0%,#ffd600 47%,#eeab00 100%);box-shadow:0 18px 36px rgba(26,51,83,.12)}.hero-banner::before{content:'';position:absolute;inset:0;z-index:-1;opacity:.33;background:radial-gradient(circle at 72% 28%,#fff 0,transparent 36%),repeating-linear-gradient(90deg,transparent 0 45px,rgba(127,76,0,.12) 46px 49px,transparent 50px 86px);mask-image:linear-gradient(90deg,transparent,#000)}.hero-banner::after{content:'★';position:absolute;z-index:-1;right:9%;top:-190px;font-size:510px;line-height:1;color:rgba(255,255,255,.21);transform:rotate(-12deg)}.hero-copy{padding:clamp(26px,5vw,58px);max-width:740px}.hero .eyebrow{color:#84212b}.hero h1{margin:10px 0 17px;font-weight:900;letter-spacing:-.055em;line-height:1.04;color:#a41c25;font-size:clamp(37px,5.2vw,68px);text-shadow:0 1px 0 #ffe796}.hero p{max-width:610px;font-size:clamp(16px,1.7vw,19px);line-height:1.48;color:#51391a;font-weight:550}.btnrow{display:flex;flex-wrap:wrap;gap:12px;margin:25px 0 10px}.button{display:inline-flex;justify-content:center;align-items:center;gap:8px;min-height:48px;padding:12px 21px;border-radius:9px;text-decoration:none;font-size:15px;font-weight:850;transition:transform .14s}.button:hover{transform:translateY(-2px);color:#fff}.button-red{background:var(--red);color:white;box-shadow:0 5px 0 #861720}.button-blue{background:var(--blue);color:white;box-shadow:0 5px 0 #0d326f}.button-white{background:white;color:var(--navy);border:2px solid #dba600}.button-white:hover{color:var(--red)}.hero-small{font-size:12px!important;margin:20px 0 0;color:#654a20!important}.tiles{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:13px;margin-top:12px}.tile{color:white;overflow:hidden;min-height:218px;position:relative;border-radius:12px;display:flex;flex-direction:column;justify-content:flex-end;padding:15px;box-shadow:0 8px 18px #193a591a}.tile:before{content:'';position:absolute;inset:0;background:linear-gradient(180deg,transparent 2%,rgba(0,0,0,.76) 100%);z-index:1}.tile img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.tile h3,.tile span{position:relative;z-index:2;margin:0;color:white}.tile h3{font-size:20px;line-height:1.14}.tile span{font-size:12px;font-weight:750;opacity:.95;margin-bottom:4px}.tile.purple{background:var(--purple)}.tile.red{background:var(--red)}.tile.blue{background:var(--blue)}.tile.gold{background:#de9d00}.tile:hover{transform:translateY(-3px)}main section.content{padding:45px 0 8px}.sectionhead{margin-bottom:18px}.sectionhead h2{font-size:clamp(27px,3.3vw,40px);letter-spacing:-.04em;line-height:1.18;color:var(--navy);margin:3px 0 8px}.sectionhead p{max-width:790px;color:var(--muted);margin:0}.whitebox{background:#fff;border:1px solid var(--border);padding:clamp(20px,3vw,38px);border-radius:15px;box-shadow:0 6px 24px #173b6010}.whitebox h3{color:var(--navy);line-height:1.25;margin-top:0}.cards3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}.cards3 article{background:#fff;border:1px solid var(--border);padding:23px;border-radius:12px}.cards3 h3{margin:6px 0 10px;color:var(--navy);font-size:20px}.cards3 p{font-size:14px;color:#47566b}.cards3 a{font-weight:800}.pill{display:inline-block;background:#edf3fb;color:var(--blue);font-size:11px;letter-spacing:.05em;font-weight:850;padding:5px 9px;border-radius:30px}.split{display:grid;grid-template-columns:1.2fr .8fr;gap:28px;align-items:start}.info-panel{background:#f4f8ff;border-left:5px solid var(--blue);padding:20px;border-radius:8px}.info-panel strong{color:var(--navy)}.steps{counter-reset:steps;display:grid;gap:12px;margin:0;padding:0;list-style:none}.steps li{counter-increment:steps;display:flex;gap:14px;align-items:start}.steps li:before{content:counter(steps);display:grid;place-items:center;background:var(--red);color:white;border-radius:50%;height:30px;min-width:30px;font-weight:900}.tablewrap{overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:14px}th,td{padding:12px;text-align:left;border-bottom:1px solid var(--border);vertical-align:top}th{background:#e9eff9;color:var(--navy)}.warning{border-left:5px solid #d39100;background:#fff7df;border-radius:8px;padding:17px}.link-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px}.link-grid a{background:white;border:1px solid var(--border);border-radius:10px;padding:18px;text-decoration:none;font-weight:800}.link-grid a small{display:block;font-weight:400;color:var(--muted);margin-top:5px}.faqs details{background:#fff;border:1px solid var(--border);border-radius:9px;padding:16px 20px;margin:10px 0}.faqs summary{font-weight:800;color:var(--navy);cursor:pointer}.faqs p{color:#4b5b70}.safety{background:#fff5ec;border:1px solid #efdbbb;border-radius:14px;padding:26px}footer{margin-top:55px;background:#152a49;color:#d9e3f0;padding:42px 0 22px}footer h3{color:#fff;font-size:14px;margin:0 0 12px}footer a{color:#dae8ff;font-size:12px;text-decoration:none;line-height:2.1}footer a:hover{color:#fff;text-decoration:underline}.foot-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.foot-grid nav{display:flex;flex-direction:column}.footnote{border-top:1px solid #3b4f68;margin-top:30px;padding-top:15px;font-size:12px}.previewbar{background:#ffe6ad;padding:9px;text-align:center;color:#704307;font-size:12px;font-weight:800}.is-preview-only{display:none}@media(max-width:900px){.tiles{grid-template-columns:repeat(2,minmax(0,1fr))}.foot-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.mainnav{gap:10px}.mainnav a{font-size:12px}.hero-copy{max-width:670px}}@media(max-width:650px){.toprow{align-items:center;min-height:85px}.mainnav{justify-content:flex-start;flex:1;gap:7px 13px}.mainnav a{font-size:11px}.mainnav .topcta{padding:7px 10px}.logolink{width:44px}.logolink img{width:42px;height:42px}.hero{padding-top:17px}.hero-banner{min-height:0}.hero-copy{padding:27px 22px 34px}.hero h1{font-size:clamp(34px,10vw,48px)}.hero p{font-size:15px}.tiles{gap:9px}.tile{min-height:176px;padding:12px}.tile h3{font-size:17px}.cards3,.split,.link-grid{grid-template-columns:1fr}.foot-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.ticktext{font-size:11px}.tick .container{gap:6px}.whitebox{padding:20px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}

/* Entire featured image card, including its overlaid label, is clickable. */
.tile{padding:0}.tile>a{position:absolute;inset:0;display:flex;flex-direction:column;justify-content:flex-end;padding:15px;z-index:2;color:#fff;text-decoration:none}.tile>a img{z-index:-1}.tile>a h3,.tile>a span{z-index:3;pointer-events:none}.tile::before{pointer-events:none;z-index:1}.tile>a::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 2%,rgba(0,0,0,.76) 100%);z-index:0;pointer-events:none}.tile>a:focus-visible{outline:4px solid #076fe8;outline-offset:-4px}.tile>a:hover{color:#fff}

/* Gate 5 batch-one standard editorial pages */
.subhero{margin-top:30px;padding:clamp(24px,4.6vw,54px);border-radius:16px;overflow:hidden;position:relative;background:linear-gradient(118deg,#ffed7c 0%,#ffd61c 64%,#eaa900);border:1px solid #e1b500;box-shadow:0 12px 26px #122b4b17}.subhero:after{content:"★";font-size:290px;position:absolute;right:-16px;top:-128px;color:#fff6;pointer-events:none}.subhero .eyebrow{position:relative;z-index:1;color:#7b2520}.subhero h1{position:relative;z-index:1;font-size:clamp(35px,5vw,56px);letter-spacing:-.04em;line-height:1.09;color:#a51c28;margin:13px 0}.subhero p{position:relative;z-index:1;max-width:820px;font-size:clamp(16px,1.7vw,19px);color:#42351b;line-height:1.6}.breadcrumbs{font-size:13px;padding-top:18px}.subbody{display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:22px;margin:24px 0 45px}.subarticle,.subaside{display:flex;flex-direction:column;gap:20px}.subarticle .whitebox,.subaside .whitebox{background:#fff;border:1px solid #dbe4ef;border-radius:12px;padding:clamp(20px,3vw,30px)}.subarticle h2{font-size:clamp(21px,2.5vw,27px);color:#142b4b;line-height:1.2;margin:0 0 11px}.subarticle p{margin:10px 0}.subaside h3{color:#142b4b;margin:0 0 14px}.subaside a{display:block;padding:7px 0}.review-flag{background:#fff1e9;border-left:5px solid #b51f2a;padding:15px 18px;border-radius:6px}.smallinfo{font-size:13px;color:#53667b}.subarticle ul{padding-left:22px}@media(max-width:760px){.subbody{grid-template-columns:1fr}.subhero{margin-top:16px}.subaside{order:2}}

/* Batch 2: source-backed editorial guides */
.article-list{line-height:1.75;padding-left:24px}.article-list li{margin:9px 0}.notice{background:#fff1d4;border-left:4px solid #a51c28;border-radius:6px;padding:14px 18px}.responsive-table{overflow-x:auto;max-width:100%}.responsive-table table{width:100%;border-collapse:collapse;min-width:530px}.responsive-table th,.responsive-table td{text-align:left;padding:13px;border-bottom:1px solid #dce5f0;vertical-align:top}.responsive-table th{background:#f5f8fd;color:#142b4b}.subarticle a:not(.button){overflow-wrap:anywhere}.subarticle p{line-height:1.74}.subarticle .whitebox{scroll-margin-top:25px}.disclose{font-size:13px;color:#57687b}.actionbox{background:#fff4d0!important;border:1px solid #eccb55!important}.actionbox h2{color:#9b2027}.actionbox .button{display:inline-block;text-decoration:none;margin-top:8px}.subarticle h2{scroll-margin-top:20px}

/* Gate 7 accessibility: expose keyboard skip navigation and keep mobile links readable */
.skip-link{position:absolute;left:12px;top:-100px;z-index:9999;background:#ffffff;color:#142b4b;padding:12px 18px;border:3px solid #174b9c;border-radius:8px;font-weight:800}
.skip-link:focus,.skip-link:focus-visible{top:10px}
@media(max-width:650px){.mainnav a{font-size:13px;line-height:1.4}.toprow{gap:12px}.mainnav{gap:8px 12px}}
@media(prefers-reduced-motion:reduce){.tile:hover,.button:hover{transform:none}}