.longform-section{padding:72px 0;background:#fff}
.longform-shell{display:grid;grid-template-columns:minmax(0,1.55fr) 320px;gap:32px;align-items:start}
.longform-prose{font-size:15px;color:#30424c}
.longform-prose p{margin:0 0 16px;line-height:1.78}
.longform-prose h2{font-size:28px;margin:0 0 16px;color:#11202a}
.longform-prose h3{font-size:20px;margin:26px 0 10px;color:#11202a}
.longform-prose ul,.longform-prose ol{margin:0 0 18px 20px;color:#445761}
.longform-prose li{margin-bottom:8px;line-height:1.7}
.longform-prose .intro{font-size:18px;color:#41555f}
.longform-prose .lead-block{padding:22px 24px;background:#f6fbfc;border:1px solid #dceef0;border-radius:16px;margin-bottom:24px}
.longform-prose .callout-strong{padding:20px 22px;background:#fff8e8;border:1px solid #ead7a6;border-radius:14px;color:#5f4b19;margin:18px 0 24px}
.sidebar-stack{display:grid;gap:16px;position:sticky;top:110px}
.sidebar-card{background:#fff;border:1px solid #dde7eb;border-radius:16px;padding:20px;box-shadow:0 12px 30px rgba(8,29,43,.05)}
.sidebar-card h3{font-size:15px;margin:0 0 12px}
.sidebar-card p,.sidebar-card li{font-size:13px;color:#546771;line-height:1.7;margin:0 0 10px}
.sidebar-card ul{padding-left:18px;margin:0}
.fact-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin:26px 0 30px}
.fact-card{background:#fff;border:1px solid #dde7eb;border-radius:16px;padding:22px}
.fact-card strong{display:block;font-size:14px;margin-bottom:8px;color:#13212b}
.fact-card p{margin:0;font-size:13px;color:#586a74;line-height:1.7}
.text-columns{columns:2;column-gap:28px}
.text-columns p,.text-columns ul{break-inside:avoid}
.link-list{display:grid;gap:8px;margin-top:12px}
.link-list a{font-size:13px;color:var(--accent-2);font-weight:700}
.faq-rich details{box-shadow:0 10px 25px rgba(12,28,37,.04)}
.faq-rich summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:18px}
.faq-rich summary::after{content:'+';font-size:20px;line-height:1;color:#0d8f98;font-weight:700}
.faq-rich details[open] summary::after{content:'–'}
.legal-nav{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 28px}
.legal-nav a{padding:8px 12px;border-radius:999px;background:#eef6f7;border:1px solid #d5e7ea;font-size:12px;font-weight:700;color:#24434f}
.legal-nav a:hover{background:#e5f8fa;color:#0d8f98}
.legal-section p + p{margin-top:14px}
.legal-section ul{margin-top:12px}
.note-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid #dde6ea;border-radius:14px;overflow:hidden;margin:14px 0 24px}
.note-table th,.note-table td{padding:13px 14px;border-bottom:1px solid #edf1f3;font-size:13px;text-align:left;vertical-align:top}
.note-table th{background:#f6fafb;color:#5e727d;font-size:11px;text-transform:uppercase;letter-spacing:.08em}
.info-pills{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0 22px}.info-pills span{padding:8px 11px;border-radius:999px;background:#f2f7f8;border:1px solid #dee8ec;font-size:12px;color:#46606b}
.long-cta{margin-top:34px;padding:26px 28px;border-radius:18px;background:linear-gradient(135deg,#0d2330,#153848);color:#fff;display:flex;justify-content:space-between;gap:24px;align-items:center}.long-cta p{margin:8px 0 0;color:#bfd0d7;font-size:14px}.long-cta .btn{flex:0 0 auto}
@media(max-width:1000px){.longform-shell{grid-template-columns:1fr}.sidebar-stack{position:static}.fact-grid{grid-template-columns:1fr 1fr}.text-columns{columns:1}.long-cta{flex-direction:column;align-items:flex-start}}
@media(max-width:700px){.fact-grid{grid-template-columns:1fr}.longform-section{padding:58px 0}.legal-nav{gap:8px}.legal-nav a{font-size:11px;padding:7px 10px}}