:root{--navy:#15324a;--navy2:#0e2435;--paper:#fffdf8;--cream:#f5eedf;--muted:#586874;--line:#ddd5c9;--gold:#9b6938;--max:1120px}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--navy);background:var(--paper);line-height:1.72}a{color:#315c72}
.wrap{width:min(var(--max),calc(100% - 40px));margin:0 auto}.topbar{border-bottom:1px solid var(--line);background:rgba(255,253,248,.97)}.nav{min-height:66px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{font-family:Georgia,"Times New Roman",serif;font-size:1.35rem;font-weight:700;color:var(--navy);text-decoration:none}.tool-link{font-weight:700;text-decoration:none}
.article-hero{max-width:900px;padding:72px 0 42px}.kicker{margin:0 0 12px;color:var(--gold);font-size:.76rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;letter-spacing:-.025em}h1{margin:0;font-size:clamp(3rem,6vw,5.6rem);line-height:.98}.dek{font-size:1.25rem;color:var(--muted);max-width:760px}
.cta{display:inline-block;margin-top:12px;padding:12px 18px;border-radius:8px;background:var(--navy);color:white;text-decoration:none;font-weight:700}.cta.bottom{margin-top:24px}
.article-image{width:min(1280px,100%);height:420px;margin:0 auto;overflow:hidden}.article-image img{width:100%;height:100%;object-fit:cover;object-position:center 58%}
.article-grid{display:grid;grid-template-columns:minmax(0,730px) 280px;gap:70px;padding:60px 0 90px}.article-body{font-size:1.06rem}.article-body h2{font-size:2rem;line-height:1.15;margin:48px 0 14px}.article-body p{margin:0 0 18px}
.formula{margin:18px 0;padding:18px 20px;border-left:4px solid var(--navy);background:var(--cream);font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.94rem}
table{width:100%;border-collapse:collapse;margin:24px 0 28px;font-size:.95rem}th,td{padding:12px;border-bottom:1px solid var(--line);text-align:right}th:first-child,td:first-child{text-align:left}.total td{font-weight:800;border-top:2px solid var(--navy)}
.callout{margin:32px 0;padding:24px;border:1px solid #d9c8a5;border-radius:12px;background:#f5ead4}.callout p{color:var(--muted)}.callout a{font-weight:700}
.article-aside{position:relative}.sticky-card{position:sticky;top:25px;padding:24px;border:1px solid var(--line);border-radius:12px;background:#fbf7ef}.sticky-card h3{font-size:1.5rem;margin:6px 0}.sticky-card p{color:var(--muted);font-size:.92rem}.sticky-card a{font-weight:700}
.sources{margin-top:60px;padding-top:30px;border-top:1px solid var(--line)}.sources h2{font-size:1.55rem;margin-top:0}.sources li{margin-bottom:8px}.source-note{color:var(--muted);font-size:.9rem}
@media(max-width:900px){.article-grid{grid-template-columns:1fr;gap:25px}.article-aside{order:-1}.sticky-card{position:static}.article-image{height:320px}}
@media(max-width:620px){.wrap{width:min(var(--max),calc(100% - 28px))}.article-hero{padding-top:48px}.article-hero h1{font-size:2.8rem}.article-image{height:250px}.article-grid{padding-top:38px}.article-body{font-size:1rem}table{font-size:.84rem}th,td{padding:9px 6px}}

.decision-note{margin:30px 0;padding:22px 24px;border:1px solid #cad9de;border-radius:12px;background:#eef4f6}
.decision-note span{display:block;color:var(--gold);font-size:.74rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase}
.decision-note p{margin:7px 0 8px;color:var(--muted)}
.decision-note a{font-weight:700}