@font-face{font-family:Geist;src:url(/assets/fonts/geist.woff2) format("woff2");font-weight:400 700;font-display:swap}
@font-face{font-family:"Geist Mono";src:url(/assets/fonts/geist-mono.woff2) format("woff2");font-weight:400 500;font-display:swap}
:root{
 --bg:#f6f7f9;--surface:#fff;--ink:#121722;--ink-2:#3d4554;--muted:#5d6676;--line:#e2e5eb;--line-2:#d3d8e0;
 --accent:#2b5bd7;--accent-ink:#1f47b3;--accent-wash:#edf2fd;--note-bg:#fff7e6;--note-line:#f0d9a6;--note-ink:#6b4b00;
 --shadow:0 1px 2px rgb(18 23 34/.04),0 8px 24px -12px rgb(18 23 34/.12);
 --r:14px;--r-s:8px;--max:1180px;--measure:68ch;
 --ease:cubic-bezier(.16,1,.3,1);
 --step--1:clamp(.82rem,.8rem + .1vw,.875rem);--step-0:1.0625rem;--step-1:1.25rem;--step-2:clamp(1.4rem,1.25rem + .6vw,1.75rem);--step-3:clamp(1.75rem,1.4rem + 1.4vw,2.5rem);--step-4:clamp(2.25rem,1.6rem + 2.6vw,3.75rem);
 color-scheme:light dark}
@media (prefers-color-scheme:dark){:root{--bg:#0e1118;--surface:#151a24;--ink:#eef1f6;--ink-2:#c6ccd7;--muted:#9aa3b2;--line:#252c3a;--line-2:#323a4a;--accent:#7ea0ff;--accent-ink:#a9c0ff;--accent-wash:#1a2440;--note-bg:#231d10;--note-line:#4a3b17;--note-ink:#f1d48f;--shadow:0 1px 2px rgb(0 0 0/.3),0 12px 28px -14px rgb(0 0 0/.6)}}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:88px}
@media (prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}
body{margin:0;font-family:Geist,ui-sans-serif,system-ui,sans-serif;font-size:var(--step-0);line-height:1.65;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;font-feature-settings:"ss01","cv11"}
::selection{background:var(--accent);color:#fff}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent-ink);text-decoration-thickness:1px;text-underline-offset:3px;text-decoration-color:color-mix(in srgb,currentColor 40%,transparent);transition:color .2s,text-decoration-color .2s}
a:hover{text-decoration-color:currentColor}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:4px}
h1,h2,h3{line-height:1.15;letter-spacing:-.025em;text-wrap:balance;font-weight:650;margin:0}
p{text-wrap:pretty}
.mono{font-family:"Geist Mono",ui-monospace,monospace;font-size:.92em;letter-spacing:-.01em}
.skip{position:absolute;left:12px;top:-60px;background:var(--ink);color:var(--bg);padding:8px 14px;border-radius:var(--r-s);z-index:20}.skip:focus{top:12px}
.bar{max-width:var(--max);margin:0 auto;padding:0 clamp(20px,4vw,40px)}
.narrow{max-width:820px}
/* header */
header.site{position:sticky;top:0;z-index:10;background:color-mix(in srgb,var(--bg) 82%,transparent);backdrop-filter:saturate(1.4) blur(12px);-webkit-backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid var(--line)}
header.site .bar{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo img{height:28px;width:auto}
header.site nav{display:flex;gap:4px}
header.site nav a{color:var(--ink-2);text-decoration:none;font-size:.95rem;font-weight:500;padding:8px 12px;border-radius:999px;transition:background .2s,color .2s}
header.site nav a:hover{background:var(--line);color:var(--ink)}
header.site nav a[aria-current]{color:var(--ink);background:var(--surface);box-shadow:inset 0 0 0 1px var(--line)}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;height:48px;padding:0 22px;border-radius:999px;font-weight:600;font-size:.98rem;text-decoration:none;white-space:nowrap;transition:transform .25s var(--ease),background .2s,box-shadow .2s}
.btn:active{transform:translateY(1px) scale(.99)}
.btn-primary{background:var(--accent);color:#fff;box-shadow:0 1px 0 rgb(255 255 255/.2) inset,0 6px 16px -8px color-mix(in srgb,var(--accent) 70%,transparent)}
.btn-primary:hover{background:var(--accent-ink);color:#fff}
@media (prefers-color-scheme:dark){.btn-primary{background:#3d6be6}.btn-primary:hover{background:#4f7af0}}
.btn-ghost{color:var(--ink);box-shadow:inset 0 0 0 1px var(--line-2);background:var(--surface)}
.btn-ghost:hover{box-shadow:inset 0 0 0 1px var(--ink-2)}
.link{display:inline-flex;align-items:center;gap:6px;font-weight:600;text-decoration:none}
.link svg,.more svg{transition:transform .3s var(--ease)}
.link:hover svg{transform:translateX(3px)}
/* hero */
.hero{padding-top:clamp(56px,8vw,104px);padding-bottom:clamp(40px,5vw,64px)}
.hero h1{font-size:clamp(2.4rem,1.5rem + 3vw,4rem);letter-spacing:-.035em;line-height:1.03;max-width:18ch}
.sub{font-size:var(--step-1);color:var(--muted);max-width:44ch;margin:22px 0 32px;line-height:1.55}
.ctas{display:flex;gap:12px;flex-wrap:wrap}
/* guides */
.section{padding-bottom:clamp(64px,8vw,112px)}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:24px;flex-wrap:wrap;padding-bottom:20px;border-bottom:1px solid var(--line);margin-bottom:8px}
.section-head h2{font-size:var(--step-3)}
.guides{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4vw,48px) clamp(24px,3vw,40px);padding-top:32px}
.guide>a{display:flex;flex-direction:column;gap:20px;text-decoration:none;color:inherit;height:100%}
.guide--lead{grid-column:1/-1;padding-bottom:clamp(28px,4vw,48px);border-bottom:1px solid var(--line)}
.guide--lead>a{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:clamp(28px,4vw,56px);align-items:center}
.thumb{border-radius:var(--r);overflow:hidden;background:var(--line);box-shadow:var(--shadow)}
.thumb img{width:100%;aspect-ratio:1024/538;object-fit:cover;transition:transform .7s var(--ease)}
.guide>a:hover .thumb img{transform:scale(1.03)}
.guide h3{font-size:var(--step-2);max-width:32ch;transition:color .2s}
.guide--lead h3{font-size:var(--step-3);letter-spacing:-.03em}
.guide>a:hover h3{color:var(--accent-ink)}
.checked{display:flex;flex-wrap:wrap;gap:4px 14px;margin:12px 0 0;color:var(--muted);font-size:var(--step--1)}
.checked span:first-child{color:var(--ink-2);font-weight:550}
.more{display:inline-flex;align-items:center;gap:6px;margin-top:18px;font-weight:600;font-size:.95rem;color:var(--accent-ink)}
.guide>a:hover .more svg{transform:translateX(3px)}
.section-note{margin:0;color:var(--muted);font-size:.95rem}
/* standards */
.standards{background:var(--surface);border-block:1px solid var(--line);padding-block:clamp(64px,8vw,104px)}
.std-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(32px,6vw,96px);align-items:start}
.standards h2{font-size:var(--step-3);margin-bottom:18px}
.standards p{color:var(--ink-2);max-width:48ch}
.std-money{font-size:.98rem}
.std-list{list-style:none;counter-reset:s;margin:0;padding:0;border-top:1px solid var(--line)}
.std-list li{padding:20px 0 20px 44px;border-bottom:1px solid var(--line);position:relative;font-size:1.06rem;line-height:1.55}
.std-list li::before{content:"";position:absolute;left:4px;top:25px;width:18px;height:18px;border-radius:50%;background:var(--accent-wash) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='m4.5 8.2 2.3 2.3 4.7-4.9' fill='none' stroke='%232b5bd7' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}
/* pages */
.page{padding:clamp(48px,7vw,88px) 0 clamp(72px,9vw,120px)}
.page-head{padding-bottom:28px;margin-bottom:12px;border-bottom:1px solid var(--line)}
.page-head h1{font-size:var(--step-4);letter-spacing:-.035em}
.page--404{min-height:50vh}
/* prose */
.prose{max-width:var(--measure);font-size:1.0625rem}
.prose>*+*{margin-top:1.1em}
.prose p,.prose ul,.prose ol{margin-bottom:0}
.prose h2{font-size:var(--step-2);margin-top:2.4em;margin-bottom:-.2em;scroll-margin-top:92px}
.prose ul,.prose ol{padding-left:1.3em}.prose li+li{margin-top:.45em}.prose li::marker{color:var(--muted)}
.prose strong{font-weight:620;color:var(--ink)}
.prose .lede{font-size:1.2rem;line-height:1.6;color:var(--ink-2)}
.prose .note{font-family:"Geist Mono",monospace;font-size:.76em;color:var(--muted);letter-spacing:-.01em;white-space:normal}
.disclosure{position:relative;padding-left:46px!important;background:var(--note-bg);box-shadow:inset 0 0 0 1px var(--note-line);color:var(--note-ink);border-radius:var(--r-s);padding:14px 18px;font-size:.93rem;line-height:1.55}
.disclosure::before{content:"";position:absolute;left:18px;top:16px;width:18px;height:18px;background:currentColor;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Ccircle cx='10' cy='10' r='8' fill='none' stroke='black' stroke-width='1.6'/%3E%3Cpath d='M10 9v5M10 6.2v.1' stroke='black' stroke-width='1.8' stroke-linecap='round'/%3E%3C/svg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Ccircle cx='10' cy='10' r='8' fill='none' stroke='black' stroke-width='1.6'/%3E%3Cpath d='M10 9v5M10 6.2v.1' stroke='black' stroke-width='1.8' stroke-linecap='round'/%3E%3C/svg%3E") center/contain no-repeat}
.disclosure a,.disclosure strong{color:inherit}
.tablewrap{overflow-x:auto;border-radius:var(--r);box-shadow:inset 0 0 0 1px var(--line);background:var(--surface);margin-top:1.4em}
.prose table{border-collapse:collapse;width:100%;min-width:640px;font-size:.9rem;line-height:1.5;font-variant-numeric:tabular-nums}
.prose th,.prose td{padding:14px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.prose tr:first-child th{font-size:.82rem;font-weight:600;color:var(--ink);background:color-mix(in srgb,var(--bg) 70%,var(--surface));border-bottom:1px solid var(--line-2)}
.prose tr:last-child td{border-bottom:0}
.prose td:first-child{font-weight:560;color:var(--ink);width:22%}
.prose td .note{display:block;margin-top:4px}
.related{margin-top:3.5em!important;padding:24px 26px;border-radius:var(--r);background:var(--surface);box-shadow:inset 0 0 0 1px var(--line)}
.related h2{margin:0 0 10px;font-size:1.05rem;letter-spacing:-.01em}
.related ul{list-style:none;padding:0;margin:0}.related li{margin:0!important;border-top:1px solid var(--line)}
.related li:first-child{border-top:0}.related a{display:block;padding:10px 0;font-weight:560;text-decoration:none}
/* article */
.article{padding-bottom:clamp(72px,9vw,120px)}
.art-top{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:clamp(32px,5vw,64px);align-items:end;padding-top:clamp(40px,6vw,72px);padding-bottom:clamp(36px,4vw,56px);border-bottom:1px solid var(--line)}
.crumbs{display:flex;gap:8px;font-size:var(--step--1);color:var(--muted);margin-bottom:20px}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--ink)}
.art-head h1{font-size:clamp(2rem,1.4rem + 2vw,3.1rem);letter-spacing:-.035em;line-height:1.06}
.byline{display:flex;align-items:center;gap:12px;margin:22px 0 0;color:var(--muted);font-size:.92rem}
.byline span:first-child{color:var(--ink);font-weight:560}.sep{width:4px;height:4px;border-radius:50%;background:var(--line-2)}
.art-hero{margin:0;border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow)}
.art-hero img{width:100%;aspect-ratio:1024/538;object-fit:cover}
.art-grid{display:grid;grid-template-columns:220px minmax(0,1fr);gap:clamp(32px,6vw,88px);margin-top:clamp(40px,5vw,64px)}
.toc{position:sticky;top:96px;align-self:start;font-size:.88rem}
.toc-h{margin:0 0 12px;font-weight:600;color:var(--ink)}
.toc ol{list-style:none;margin:0;padding:0;border-left:1px solid var(--line)}
.toc a{display:block;padding:6px 0 6px 14px;margin-left:-1px;border-left:1px solid transparent;color:var(--muted);text-decoration:none;line-height:1.4;transition:color .2s,border-color .2s}
.toc a:hover{color:var(--ink)}.toc a[aria-current]{color:var(--accent-ink);border-left-color:var(--accent)}
.art-grid>.prose>:first-child{margin-top:0}
/* footer */
footer.site{border-top:1px solid var(--line);background:var(--bg)}
.foot{display:grid;grid-template-columns:1.4fr 1.6fr 1fr 1.2fr;gap:32px;padding-block:56px 40px}
.foot-brand p{color:var(--muted);font-size:.92rem;max-width:30ch;margin:14px 0 0}
footer.site h2{font-size:.82rem;font-weight:600;letter-spacing:0;color:var(--ink);margin-bottom:12px}
footer.site ul{list-style:none;margin:0;padding:0;font-size:.9rem}footer.site li+li{margin-top:8px}
footer.site ul a{color:var(--muted);text-decoration:none;line-height:1.4;display:inline-block}footer.site ul a:hover{color:var(--ink)}
.legal{border-top:1px solid var(--line);padding-block:20px;font-size:.84rem;color:var(--muted)}.legal p{margin:0}
/* responsive */
@media (max-width:960px){.art-top{grid-template-columns:minmax(0,1fr);align-items:start}.hero{grid-template-columns:1fr}.hero h1{max-width:18ch}.std-grid{grid-template-columns:1fr}.art-grid{grid-template-columns:minmax(0,1fr)}.toc{position:static;padding:18px 20px;border-radius:var(--r);background:var(--surface);box-shadow:inset 0 0 0 1px var(--line)}.foot{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.hero{padding-bottom:40px}header.site .bar{height:60px}.logo img{height:24px}header.site nav a{padding:6px 9px;font-size:.88rem}
 .guide>a{grid-template-columns:1fr;gap:16px;padding:24px 0}.ctas .btn{flex:1;justify-content:center}.section-head{align-items:start;flex-direction:column}
 .foot{grid-template-columns:1fr}.art-hero{margin-top:24px}}
@media (max-width:380px){header.site nav a[href*="disclosure"]{display:none}}
@media (prefers-reduced-motion:no-preference){.hero-copy>*{animation:rise .9s var(--ease) both}.hero-copy>:nth-child(2){animation-delay:.06s}.hero-copy>:nth-child(3){animation-delay:.12s}
@keyframes rise{from{opacity:0;transform:translateY(14px);filter:blur(4px)}to{opacity:1;transform:none;filter:none}}}
.prose p.choose{display:grid;gap:1px;background:var(--line);border-radius:var(--r-s);overflow:hidden;box-shadow:inset 0 0 0 1px var(--line);margin-top:1.4em}
.choose-row{display:block;background:var(--surface);padding:12px 16px 12px 44px;position:relative;font-size:.98rem;line-height:1.55}
.choose-row::before{content:"";position:absolute;left:16px;top:15px;width:18px;height:18px;border-radius:50%;background:var(--wash) var(--ico) center/12px no-repeat}
.choose-row.yes{--wash:var(--accent-wash);--ico:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='m3.5 8.3 2.8 2.7 6.2-6.3' fill='none' stroke='%232b5bd7' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.choose-row.no{--wash:var(--note-bg);--ico:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M8 3.5v5.5M8 12v.1' fill='none' stroke='%23a06a00' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E")}
.legal{border-top:0}.legal p{border-top:1px solid var(--line);padding-top:20px}
.legal{padding-top:0}
@media (max-width:760px){.guides{grid-template-columns:1fr}.guide--lead>a{grid-template-columns:minmax(0,1fr);gap:20px}}