.blog-hero{background:radial-gradient(circle at 87% 17%,rgba(230,186,98,.17),transparent 31%),linear-gradient(145deg,#09253e,#123c63 75%,#1a5079)}
.blog-hero .shell{padding-block:clamp(58px,8vw,100px) clamp(70px,9vw,110px)}
.blog-hero h1{max-width:16ch;margin:0 0 23px;font-size:clamp(3rem,6.2vw,5.4rem);line-height:1.05;text-transform:none}
.blog-hero .intro{max-width:58ch;margin-bottom:24px}
.breadcrumb{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin-bottom:30px;color:#d2e3f0;font-size:.88rem}
.breadcrumb a{text-decoration:none;border-bottom:1px solid rgba(255,255,255,.5)}
.breadcrumb a:hover{color:#e6ba62}
.breadcrumb span[aria-hidden]{color:#e6ba62}
.blog-date{color:#bcd3e4;font-size:.84rem}
.ai-text-note{display:inline-block;margin-left:.5em;color:inherit;font-size:inherit;line-height:inherit}
.blog-layout{display:grid;grid-template-columns:220px minmax(0,1fr);gap:clamp(35px,5vw,72px);align-items:start;padding-block:clamp(53px,7vw,86px) 92px}
.blog-toc{position:sticky;top:108px;display:flex;flex-direction:column;gap:6px;padding:20px 0 20px 18px;border-left:2px solid var(--line);font-size:.86rem;line-height:1.45}
.blog-toc strong{margin:0 0 9px;color:#8a611b;font-size:.78rem;letter-spacing:.09em;text-transform:uppercase}
.blog-toc a{padding:7px 10px;border-radius:7px;color:#42566a;text-decoration:none}
.blog-toc a:hover,.blog-toc a:focus-visible{background:#eff4f8;color:var(--navy)}
.blog-body{min-width:0;max-width:790px;color:#35475a;line-height:1.73}
.blog-body a{color:#124d78;text-underline-offset:3px}
.blog-body p{margin-bottom:1.15em}
.blog-body .blog-lead{color:#1b2b3a;font-size:clamp(1.1rem,1.6vw,1.22rem);line-height:1.62}
.blog-body h2{margin-bottom:23px;color:var(--navy);font-size:clamp(1.9rem,3vw,2.55rem);line-height:1.16}
.blog-body h3{margin:36px 0 13px;color:var(--navy);font-size:clamp(1.25rem,2vw,1.42rem);line-height:1.25}
.blog-section{padding-top:50px;scroll-margin-top:90px}
.blog-section+.blog-section{margin-top:34px;border-top:1px solid var(--line)}
.blog-body ul,.blog-body ol{padding-left:1.35em;margin:0 0 1.5em}
.blog-body li{padding-left:3px;margin-bottom:.58em}
.formula{padding:19px 23px;border-left:4px solid var(--gold);border-radius:0 9px 9px 0;background:#eff4f8;color:#102f4c;font-size:1.06rem;font-weight:600;line-height:1.5}
.example-box{margin:31px 0 39px;padding:clamp(19px,3vw,31px);border:1px solid #d0dfeb;border-radius:15px;background:#f5f8fb}
.example-box h3{margin:0 0 10px;font-size:1.4rem}
.example-box>p:first-of-type{font-size:.92rem}
.example-box>p:last-child{margin:22px 0 0}
.comparison-table{width:100%;border-collapse:collapse;table-layout:fixed;font-size:.91rem;font-variant-numeric:tabular-nums;line-height:1.4}
.comparison-table th:first-child{width:39%}
.comparison-table th,.comparison-table td{padding:12px 8px;text-align:right;vertical-align:middle;border-bottom:1px solid #d8e4ec;overflow-wrap:anywhere}
.comparison-table th:first-child{text-align:left}
.comparison-table thead th{color:#41566b;font-size:.8rem;font-weight:700;line-height:1.3}
.comparison-table tbody th{font-weight:600}
.comparison-table .total{background:#e6eef5;color:var(--navy);font-weight:800}
.comparison-table .total th,.comparison-table .total td{border-bottom:0}
.blog-table-scroll{max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
.blog-faq .faq-item{padding:12px 0 17px;border-bottom:1px solid var(--line)}
.blog-faq .faq-item h3{margin-top:16px}
.blog-faq .faq-item p{margin-bottom:0}
.blog-sources{margin-top:46px;padding:25px 28px;border-radius:12px;background:#f3f6fa;color:#526477;font-size:.88rem;line-height:1.55}
.blog-sources h2{margin:0 0 12px;font:800 .86rem/1.4 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:#385671}
.blog-sources ul{margin:0;padding-left:1.2em}
.blog-sources li{margin-bottom:7px}
.blog-sources li:last-child{margin-bottom:0}
.blog-contact{margin-top:70px;padding:clamp(27px,5vw,46px);border-radius:18px;background:linear-gradient(145deg,#0b2944,#174c73);color:#d9e5ee;box-shadow:0 20px 48px rgba(8,30,50,.13)}
.blog-contact h2{color:#fff}
.blog-contact .eyebrow{margin-bottom:12px}
.blog-contact p{color:#d9e5ee}
.blog-contact .button{margin-top:9px;color:#142c42}
@media(max-width:880px){
  .blog-layout{grid-template-columns:1fr;gap:36px}
  .blog-toc{position:static;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:3px 8px;padding:15px;border:1px solid var(--line);border-radius:11px;background:#f8fafc}
  .blog-toc strong{grid-column:1/-1;margin-bottom:4px}
  .blog-body{max-width:750px}
}
@media(max-width:720px){
  .blog-hero .shell{padding-block:36px 65px}
  .blog-hero h1{font-size:clamp(2.6rem,10vw,4.1rem);overflow-wrap:anywhere}
  .breadcrumb{margin-bottom:27px;font-size:.81rem}
  .blog-layout{padding-block:38px 69px;gap:26px}
  .blog-body{line-height:1.65}
  .blog-body h2{font-size:clamp(1.75rem,7vw,2.3rem)}
  .blog-section{padding-top:38px;scroll-margin-top:135px}
  .blog-section+.blog-section{margin-top:29px}
  .example-box{padding:17px 12px}
  .comparison-table{font-size:.8rem}
  .comparison-table th,.comparison-table td{padding:10px 4px}
  .blog-table-scroll .comparison-table{min-width:560px}
  .blog-sources{padding:22px 20px}
  .blog-contact{margin-top:54px}
}
@media(max-width:360px){
  .blog-toc{grid-template-columns:1fr}
  .comparison-table{font-size:.75rem}
}