:root{--header-bg:var(--surface);--brand-ink:var(--ink);--fill:var(--primary);--on-fill:var(--on-primary);--cta-bg:var(--fill);--cta-ink:var(--on-fill);--cta-bg-hover:var(--cta-bg);--secondary-bg:var(--fill);--secondary-ink:var(--on-fill);--secondary-bg-hover:var(--secondary-bg);--secondary-border:var(--secondary-bg);--ghost-ink:var(--primary);--ghost-border:var(--primary);--focus-ring:var(--accent);--field-focus:var(--primary);--card-border:var(--line);--card-shadow:none;--form-shadow:0 18px 40px -26px #00000059;--btn-height:44px;--btn-weight:600;--body-line-height:1.6;--text-min:0px;--heading-line-height:1.15;--h1-size:clamp(2rem, 4.4vw, 2.9rem);--h2-size:clamp(1.5rem, 3vw, 2rem);--h3-size:1.15rem;--figure-font:var(--display);--figure-weight:var(--display-weight);--figure-ink:var(--primary);--label-case:uppercase;--label-tracking:.08em;--callout-edge:4px;--content-width:1120px;--section-space:clamp(44px, 7vw, 72px);--measure:72ch}*,:before,:after{box-sizing:border-box}[hidden]{display:none!important}html{-webkit-text-size-adjust:100%;scroll-padding-top:16px}body{background:var(--bg);color:var(--ink);font-family:var(--body);font-size:var(--base-size);line-height:var(--body-line-height);margin:0}img,svg{max-width:100%;height:auto}h1,h2,h3{font-family:var(--display);font-weight:var(--display-weight);line-height:var(--heading-line-height);text-wrap:balance;color:inherit;margin:0}h1{font-size:var(--h1-size)}h2{font-size:var(--h2-size)}h3{font-size:var(--h3-size)}p,ul,ol,dl,dd{margin:0}a:not(.btn){color:var(--link);text-underline-offset:2px}:focus-visible{outline:3px solid var(--focus-ring);outline-offset:2px}mark{background:linear-gradient(transparent 58%, var(--accent) 58%);color:inherit;padding:0 2px}@media 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12px;top:16px;left:16px}.visually-hidden{clip-path:inset(50%);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}.btn{min-height:var(--btn-height);border:1.5px solid var(--primary);border-radius:var(--btn-radius);font:var(--btn-weight) max(var(--text-min), .95rem)/1.2 var(--body);cursor:pointer;text-align:center;justify-content:center;align-items:center;gap:8px;padding:11px 20px;text-decoration:none;display:inline-flex}.btn-primary{background:var(--cta-bg);color:var(--cta-ink);border-color:var(--cta-bg)}.btn-primary:hover{background:var(--cta-bg-hover);border-color:var(--cta-bg-hover)}.btn-secondary{background:var(--secondary-bg);color:var(--secondary-ink);border-color:var(--secondary-border)}.btn-secondary:hover{background:var(--secondary-bg-hover)}.btn-ghost{color:var(--ghost-ink);border-color:var(--ghost-border);background:0 0}.btn-inverse{background:var(--on-fill);color:var(--fill);border-color:var(--on-fill)}.btn-contrast{background:var(--ink);color:var(--surface);border-color:var(--ink)}.btn-sm{min-height:40px;font-size:max(var(--text-min), .88rem);padding:8px 14px}.btn[disabled]{opacity:.6;cursor:progress}.ticks{gap:8px;padding:0;list-style:none;display:grid}.ticks li{align-items:baseline;gap:10px;display:flex}.ticks li:before{content:"";background:var(--accent);border-radius:50%;flex:none;width:8px;height:8px;transform:translateY(-2px)}.checklist{gap:10px;padding:0;list-style:none;display:grid}.checklist li{background:var(--surface);color:var(--ink);border-radius:var(--field-radius);align-items:baseline;gap:10px;padding:10px 14px;display:flex}.checklist li:before{content:"✓";color:var(--primary);font-weight:700}.offer-badge{font-size:max(var(--text-min), .8rem);background:var(--offer-bg);color:var(--offer-ink);border-radius:999px;place-self:start;align-items:center;gap:8px;padding:4px 12px;font-weight:700;display:inline-flex}.offer-badge:before{content:"";background:currentColor;border-radius:50%;width:7px;height:7px}.motif{color:var(--accent)}.site-header{background:var(--header-bg);border-bottom:1px solid var(--line)}.site-header__inner{align-items:center;gap:20px;padding-block:14px;display:flex}.brand{font-family:var(--display);font-weight:var(--display-weight);align-items:center;gap:10px;font-size:1.2rem;text-decoration:none;display:flex;color:var(--brand-ink)!important}.brand__mark{border-radius:var(--radius);background:var(--fill);width:34px;height:34px;color:var(--on-fill);font-size:max(var(--text-min), .95rem);flex:none;place-items:center;display:grid}.brand__logo{flex:none;height:32px;display:block}.brand__logo svg{width:auto;height:100%;display:block}.site-nav{font-size:max(var(--text-min), .93rem);flex-wrap:wrap;gap:6px 22px;margin-left:auto;font-weight:500;display:flex}.site-nav a{text-decoration:none;color:var(--ink)!important}.site-nav a:hover{color:var(--primary)!important}.site-header__cta{flex:none}@media (width<=820px){.site-nav{display:none}.site-header__cta{margin-left:auto}}.header--dark{background:var(--hero-bg);border-bottom-color:color-mix(in srgb, var(--hero-ink) 18%, transparent)}.header--dark .brand,.header--dark .site-nav a{color:var(--hero-ink)!important}.header--dark .brand__name{text-transform:uppercase;letter-spacing:.06em;font-size:1.05rem}.header--dark .site-header__cta{background:var(--accent);border-color:var(--accent);color:var(--ink)}@media (width>=821px){.header--centered .site-header__inner{justify-items:center;gap:10px;display:grid}.header--centered .site-nav{justify-content:center;margin-left:0}.header--centered .site-header__cta{position:absolute;top:18px;right:24px}.header--centered .wrap{position:relative}}.header--minimal{background:0 0;border-bottom:0}.header--minimal 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h2{max-width:30ch}.regulatory-notice{border-top:1px solid var(--line);font-size:max(var(--text-min), .85rem);color:var(--muted);max-width:72ch;margin-top:32px;padding-top:16px}.regulatory-notice--compact{border-top:0;margin-top:0;padding-top:0}.hero{background:var(--hero-bg);color:var(--hero-ink);position:relative;overflow:hidden}.hero__inner{gap:40px;padding-block:clamp(36px,7vw,72px);display:grid;position:relative}.hero__text{z-index:1;align-content:start;gap:18px;min-width:0;display:grid;position:relative}.hero__start{z-index:1;background:var(--surface);min-width:0;color:var(--ink);border-radius:var(--radius);box-shadow:var(--card-shadow);gap:12px;padding:22px 24px;display:grid;position:relative}.hero__start-title{font-family:var(--display);font-weight:var(--display-weight);font-size:1.15rem}.hero__start ul{padding:0;list-style:none;display:grid}.hero__start li+li{border-top:1px solid var(--line)}.hero__start a{gap:2px;padding:12px 0;text-decoration:none;display:grid}.hero__start strong{color:var(--link)}.hero__start span{color:var(--muted);font-size:max(var(--text-min), .92rem)}.hero__motif{opacity:.18;z-index:0;pointer-events:none;width:260px;position:absolute;bottom:-60px;right:-40px}.hero .lead{color:inherit;opacity:.85}@media (width>=900px){.hero--split .hero__inner{grid-template-columns:1.1fr .9fr;align-items:start}}.hero--dark .hero__inner{align-items:end}@media (width>=900px){.hero--dark .hero__text{grid-template-columns:1.3fr 1fr;column-gap:56px}.hero--dark .hero__text>:not(.hero__topics){grid-column:1}.hero--dark .hero__topics{grid-area:1/2/span 4;align-self:end}}.hero--dark h1{letter-spacing:-.02em;font-size:clamp(2.2rem,5vw,3.4rem);line-height:1.04}.hero--dark mark{color:var(--accent);background:0 0}.hero--dark .eyebrow{color:var(--accent)}.hero--dark .btn-ghost{color:var(--hero-ink);border-color:var(--hero-ink)}.hero--dark .ticks li:before{background:var(--accent)}.hero--dark .hero__motif{opacity:.12;left:-60px;right:auto}.hero__topics{border-top:1px solid color-mix(in srgb, var(--hero-ink) 25%, transparent);padding:0;list-style:none}.hero__topics li{border-bottom:1px solid color-mix(in srgb, var(--hero-ink) 25%, transparent)}.hero__topics a{justify-content:space-between;gap:12px;padding:14px 0;font-weight:600;text-decoration:none;display:flex;color:var(--hero-ink)!important}.hero__topics span{color:var(--accent)}.hero--centered .hero__text{text-align:center;justify-items:center;max-width:760px;margin-inline:auto}.hero--centered .ticks{text-align:left;justify-items:start}.hero--centered .hero__motif{opacity:.07;width:360px;bottom:-160px;left:50%;right:auto;transform:translate(-50%)}.chooser{gap:10px;display:grid}.chooser__label{font-weight:700}.chooser__options{flex-wrap:wrap;gap:10px;display:flex}.chip{border:2px solid var(--primary);background:var(--surface);min-height:44px;font:700 max(var(--text-min), .95rem) var(--body);border-radius:999px;align-items:center;padding:10px 16px;text-decoration:none;display:inline-flex;color:var(--primary)!important}.chip:hover{background:var(--fill);color:var(--on-fill)!important}.highlights__list{counter-reset:highlight;gap:16px;padding:0;list-style:none;display:grid}@media (width>=820px){.highlights__list{grid-template-columns:repeat(3,1fr)}}.highlight{background:var(--surface);border-radius:var(--radius);box-shadow:var(--card-shadow);align-content:start;gap:8px;padding:24px;display:grid}.highlights--icons .highlight{text-align:center;justify-items:center}.highlight__icon{width:44px}.highlights--numbered .highlight:before{counter-increment:highlight;content:counter(highlight);font-family:var(--display);color:var(--primary);font-size:1.6rem}.journeys__list{gap:16px;padding:0;list-style:none;display:grid}@media (width>=900px){.journeys__list{grid-template-columns:repeat(auto-fit,minmax(0,1fr))}}.journey{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--card-shadow);flex-direction:column;gap:12px;min-width:0;padding:24px;display:flex}.journey:hover,.journey:focus-within{border-color:var(--primary)}.journey__tag{background:var(--soft);color:var(--primary);font-size:max(var(--text-min), .8rem);border-radius:999px;align-self:flex-start;padding:4px 12px;font-weight:700}.journey__links{border-top:1px solid var(--line);padding:0;list-style:none;display:grid}.journey__links li{border-bottom:1px solid var(--line)}.journey__links a{gap:2px;padding:10px 0;text-decoration:none;display:grid}.journey__links strong{color:var(--link)}.journey__links a:hover strong{text-decoration:underline}.journey__links span,.journey__points{color:var(--muted);font-size:max(var(--text-min), .92rem)}.journey__cta{align-self:flex-start;margin-top:auto}.bilan__inner{gap:32px;display:grid;position:relative}.bilan__intro,.bilan__purposes{align-content:start;gap:14px;min-width:0;display:grid}@media (width>=820px){.bilan--columns .bilan__inner,.bilan--panel .bilan__inner,.bilan--checklist .bilan__inner{grid-template-columns:1fr 1fr}}.bilan--columns{background:var(--surface);border-block:1px solid var(--line)}.bilan--columns .bilan__purposes{background:var(--band);border-radius:var(--radius);padding:24px}.bilan__rows{border-top:2px solid var(--ink);display:grid}.bilan__row{border-bottom:1px solid var(--line);gap:4px 24px;padding:16px 0;display:grid}@media (width>=700px){.bilan__row{grid-template-columns:.9fr 1.4fr}}.bilan__row dt{text-transform:var(--label-case);letter-spacing:calc(var(--label-tracking) / 2);font-weight:700;font-size:max(var(--text-min), .95rem)}.bilan__row dd{color:var(--muted)}.bilan--panel .bilan__inner{background:var(--fill);color:var(--on-fill);border-radius:var(--radius);padding:clamp(24px,4vw,40px);overflow:hidden}.bilan--panel .muted,.bilan--panel a:not(.btn){color:inherit}.bilan--panel .btn-primary{background:var(--on-fill);color:var(--fill);border-color:var(--on-fill)}.bilan__motif{opacity:.2;width:200px;color:var(--on-fill);pointer-events:none;position:absolute;top:-30px;right:-30px}.bilan--checklist .bilan__inner{background:var(--accent);color:var(--ink);border-radius:var(--radius);align-items:center;padding:clamp(24px,4vw,36px)}.bilan--checklist .muted{color:inherit}.bilan--checklist .offer-badge{background:var(--ink);color:var(--surface)}.steps{background:var(--band)}.steps__list{counter-reset:step;gap:24px;padding:0;list-style:none;display:grid}@media (width>=820px){.steps__list{grid-template-columns:repeat(3,1fr)}}.steps__list li{align-content:start;gap:8px;display:grid}.steps__list li:before{counter-increment:step;content:counter(step);border-radius:var(--radius);background:var(--fill);width:36px;height:36px;color:var(--on-fill);place-items:center;font-weight:700;display:grid}.faq__items{gap:10px;max-width:780px;display:grid}.faq__item summary{cursor:pointer;padding:14px 44px 14px 18px;font-weight:700;list-style:none;position:relative}.faq__item summary::-webkit-details-marker{display:none}.faq__item summary:after{content:"+";color:var(--primary);font-size:1.3rem;font-weight:400;position:absolute;top:50%;right:18px;transform:translateY(-50%)}.faq__item[open] summary:after{content:"−"}.faq__item p{color:var(--muted);padding:0 18px 16px}.faq--boxed .faq__item{background:var(--surface);border:1px solid var(--card-border);border-radius:var(--radius);box-shadow:var(--card-shadow)}.faq--lines .faq__item{border-bottom:1px solid var(--line)}.faq--lines .faq__item summary,.faq--lines .faq__item p{padding-left:0}.faq--plain .faq__item{background:var(--surface);border-radius:var(--radius);box-shadow:var(--card-shadow)}.guide-list__items{gap:14px;padding:0;list-style:none;display:grid}.guide-card{gap:6px;height:100%;text-decoration:none;display:grid;color:var(--ink)!important}.guide-card__meta{font-size:max(var(--text-min), .78rem);text-transform:var(--label-case);letter-spacing:calc(var(--label-tracking) * .75);color:var(--accent-ink);font-weight:700}.guide-card__title{font-family:var(--display);font-weight:var(--display-weight);font-size:1.12rem;line-height:1.25}.guide-card__desc{color:var(--muted);font-size:max(var(--text-min), .95rem)}.guide-card__more{color:var(--primary);font-weight:700}.guide-list--cards .guide-card{background:var(--surface);border:1px solid var(--card-border);border-radius:var(--radius);box-shadow:var(--card-shadow);padding:22px}@media (width>=820px){.guide-list--cards .guide-list__items{grid-template-columns:repeat(3,1fr)}}.guide-list--grid .guide-card{background:var(--surface);border-radius:var(--radius);box-shadow:var(--card-shadow);border-top:4px solid var(--accent);padding:22px}@media (width>=700px){.guide-list--grid .guide-list__items{grid-template-columns:repeat(2,1fr)}}.guide-list--rows .guide-list__items{border-top:2px solid var(--ink);gap:0}.guide-list--rows li{border-bottom:1px solid var(--line)}.guide-list--rows .guide-card{grid-template-columns:minmax(0,1fr) auto;column-gap:24px;padding:18px 0}.guide-list--rows .guide-card>:not(.guide-card__more){grid-column:1}.guide-list--rows .guide-card__more{grid-area:1/2/span 3;align-self:center}.guide-list--list .guide-card{background:var(--surface);border-radius:var(--radius);box-shadow:var(--card-shadow);grid-template-columns:1fr auto;align-items:center;padding:16px 18px}.guide-list--list .guide-card__meta,.guide-list--list .guide-card__title{grid-column:1}.guide-list--list .guide-card__more{background:var(--soft);border-radius:50%;grid-area:1/2/span 2;place-items:center;width:36px;height:36px;display:grid}.article{padding-block:clamp(32px,6vw,56px)}.article__layout{gap:40px;display:grid}@media (width>=1000px){.article__layout--aside{grid-template-columns:minmax(0,1fr) 280px;align-items:start}.article__aside{position:sticky;top:16px}}.guide-contact--aside{background:var(--surface);border:1px solid var(--card-border);border-radius:var(--radius);box-shadow:var(--card-shadow);justify-items:start;gap:10px;padding:20px;display:grid}.guide-contact__title{font-family:var(--display);font-weight:var(--display-weight);font-size:1.1rem}.guide-contact__text{color:var(--muted);font-size:max(var(--text-min), .95rem)}.guide-contact--end{margin-top:32px}.article__header{max-width:var(--measure);gap:12px;margin-bottom:24px;display:grid}.article__meta{font-size:max(var(--text-min), .9rem);color:var(--muted)}.article__review{font-size:max(var(--text-min), .9rem);background:var(--soft);border-radius:var(--field-radius);padding:10px 14px}.prose{max-width:var(--measure);gap:1em;display:grid}.prose h2{margin-top:1.2em}.prose h3{margin-top:.8em}.prose ul,.prose ol{gap:.4em;padding-left:1.3em;display:grid}.prose table{border-collapse:collapse;width:100%;font-size:max(var(--text-min), .95rem);display:block;overflow-x:auto}.prose th,.prose td{border:1px solid var(--line);text-align:left;vertical-align:top;padding:8px 10px}.prose th{background:var(--band)}.callout{border-radius:var(--radius);gap:8px;padding:16px 18px;display:grid}.callout-title{font-weight:700;font-size:max(var(--text-min), .85rem);text-transform:var(--label-case);letter-spacing:calc(var(--label-tracking) * .75)}.callout-rule{background:var(--band);border-left:var(--callout-edge) solid var(--primary)}.callout-rule .callout-title{color:var(--primary)}.callout-landmark{background:var(--surface);border:1px solid var(--line);border-left:var(--callout-edge) solid var(--muted)}.callout-opinion{background:var(--soft);border-left:var(--callout-edge) solid var(--accent)}.callout-opinion .callout-title{color:var(--accent-ink)}.sources{max-width:var(--measure);gap:10px;margin-top:32px;display:grid}.sources ol{font-size:max(var(--text-min), .92rem);gap:8px;padding-left:1.3em;display:grid}.sources__meta{color:var(--muted)}.related{margin-top:32px}.page-content{padding-block:clamp(32px,6vw,56px)}.page-content .prose{margin-top:20px}.advisors{gap:16px;padding:0;list-style:none;display:grid}@media (width>=820px){.advisors{grid-template-columns:repeat(2,1fr)}}.advisor{background:var(--surface);border:1px solid var(--card-border);border-radius:var(--radius);box-shadow:var(--card-shadow);gap:10px;padding:22px;display:grid}.callback{scroll-margin-top:16px}main>.callback--card,main>.callback--stepper{padding-block:clamp(32px,6vw,56px);padding-inline:max(16px, env(safe-area-inset-left,0px)) max(16px, env(safe-area-inset-right,0px))}main>.callback--card .callback__card{max-width:760px;margin-inline:auto}.callback__card{background:var(--surface);color:var(--ink);border:1px solid var(--card-border);border-radius:var(--radius);box-shadow:var(--form-shadow);gap:14px;min-width:0;padding:24px;display:grid}.callback__card 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