:root{
  --bg:#08090b;--bg2:#0d0f12;--panel:#12151a;--panel2:#171b21;--text:#f4f5f6;
  --muted:#a9afb8;--line:#2a2f37;--silver:#d7d9dc;--amber:#ff9f1c;--amber2:#ffc15a;
  --max:1160px;--read:760px;--shadow:0 18px 60px rgba(0,0,0,.35)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.62;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}button,input,select{font:inherit}.container{width:min(calc(100% - 40px),var(--max));margin:auto}.eyebrow{font-size:.76rem;letter-spacing:.16em;text-transform:uppercase;font-weight:850;color:var(--amber2)}
.topbar{background:#050607;border-bottom:1px solid #191c21;color:#c9cdd3;font-size:.84rem}.topbar .container{display:flex;justify-content:space-between;gap:18px;align-items:center;padding:9px 0}.site-header{position:sticky;top:0;z-index:40;background:rgba(8,9,11,.92);backdrop-filter:blur(18px);border-bottom:1px solid rgba(255,255,255,.07)}.nav{height:74px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:12px;font-weight:850;letter-spacing:-.02em}.brand-mark{width:38px;height:38px;background:transparent url("aba-navicon.png") center/contain no-repeat}.brand-copy span{display:block;font-size:.72rem;color:var(--muted);font-weight:700;letter-spacing:.08em;text-transform:uppercase}.nav-links{display:flex;align-items:center;gap:18px;font-size:.86rem;font-weight:700;color:#d8dbe0}.nav-links a:hover{color:var(--amber2)}.nav-cta{padding:11px 16px;border:1px solid var(--amber);border-radius:999px;color:#111!important;background:var(--amber);font-weight:850}.menu-btn{display:none;border:1px solid var(--line);background:transparent;color:#fff;border-radius:12px;padding:9px 11px}
.page-hero{position:relative;overflow:hidden;border-bottom:1px solid var(--line);background:radial-gradient(circle at 84% 4%,rgba(255,159,28,.15),transparent 38%)}.page-hero:after{content:"";position:absolute;inset:auto -10% -70% 45%;height:430px;border:1px solid rgba(255,159,28,.13);border-radius:50%;pointer-events:none}.hero-inner{padding:78px 0 64px;position:relative;z-index:1}.breadcrumbs{font-size:.8rem;color:#858d98;margin-bottom:25px}.breadcrumbs a{color:#c0c5cb}.page-hero h1{font-size:clamp(2.8rem,6vw,5.5rem);line-height:.97;letter-spacing:-.052em;margin:12px 0 22px;max-width:980px}.page-hero .lede{font-size:1.16rem;color:#c8cdd3;max-width:800px;margin:0}.meta-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}.meta-row span{font-size:.78rem;color:#b7bdc5;background:#111419;border:1px solid #30363e;padding:7px 11px;border-radius:999px}
.hub{padding:72px 0}.hub-intro{display:flex;justify-content:space-between;gap:40px;align-items:end;margin-bottom:34px}.hub-intro h2{font-size:clamp(2.1rem,4vw,3.5rem);line-height:1.02;letter-spacing:-.04em;margin:8px 0 0}.hub-intro p{max-width:520px;color:var(--muted);margin:0}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.article-card{display:flex;flex-direction:column;min-height:360px;padding:28px;background:linear-gradient(180deg,#14171c,#0f1216);border:1px solid var(--line);border-radius:24px;transition:.18s ease}.article-card:hover{transform:translateY(-3px);border-color:#4a515b}.article-card .number{font-size:3.3rem;line-height:1;color:#363c45;font-weight:900;letter-spacing:-.06em}.article-card h2{font-size:1.55rem;line-height:1.14;margin:24px 0 12px}.article-card p{color:var(--muted);margin:0}.article-card .read{margin-top:auto;padding-top:28px;color:var(--amber2);font-weight:850}.article-card .read:after{content:" →"}
.article-wrap{display:grid;grid-template-columns:minmax(0,var(--read)) 310px;gap:62px;align-items:start;padding:70px 0 90px}.article-body p,.article-body li{color:#c7cbd1;font-size:1.02rem}.article-body h2{font-size:clamp(1.8rem,3.5vw,2.55rem);line-height:1.08;letter-spacing:-.035em;margin:2.7rem 0 .85rem}.article-body h3{font-size:1.25rem;margin:2rem 0 .5rem}.article-body ul,.article-body ol{padding-left:1.3rem}.article-body li{margin:.6rem 0}.article-body a{text-decoration:underline;text-decoration-color:var(--amber);text-underline-offset:3px}.answer-box{font-size:1.2rem;line-height:1.52;color:#eef0f2;padding:26px 28px;border-left:3px solid var(--amber);background:rgba(255,159,28,.075);border-radius:0 20px 20px 0;margin:0 0 34px}.audit-list{display:grid;gap:12px;margin:24px 0}.audit-row{display:grid;grid-template-columns:38px 1fr;gap:14px;padding:18px;border:1px solid var(--line);background:var(--panel);border-radius:17px}.audit-row b:first-child{width:32px;height:32px;display:grid;place-items:center;background:rgba(255,159,28,.12);border-radius:50%;color:var(--amber)}.audit-row strong{display:block;color:#fff;margin-bottom:4px}.audit-row span{color:var(--muted);font-size:.94rem}.pullquote{font-size:1.42rem;line-height:1.42;color:#fff;margin:42px 0;padding:2px 0 2px 26px;border-left:3px solid var(--amber)}.source-list{margin-top:46px;padding-top:25px;border-top:1px solid var(--line)}.source-list h2{font-size:1.15rem;margin:0 0 10px}.source-list li,.source-list a{font-size:.84rem;color:#959da7}.article-note{font-size:.82rem!important;color:#8e969f!important;border-top:1px solid var(--line);padding-top:22px;margin-top:35px}
.sidebar{position:sticky;top:100px}.side-card{background:var(--panel);border:1px solid var(--line);border-radius:22px;padding:24px;margin-bottom:16px}.side-card h2,.side-card h3{margin:0 0 9px;font-size:1.2rem}.side-card p{font-size:.88rem;color:var(--muted);margin:0 0 18px}.side-card a:not(.btn){display:block;padding:10px 0;border-top:1px solid var(--line);font-size:.86rem;color:#c5c9cf}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:14px 18px;border-radius:999px;font-weight:850;border:1px solid var(--line);transition:.18s ease}.btn-primary{background:var(--amber);color:#111;border-color:var(--amber)}.btn-primary:hover{background:var(--amber2);transform:translateY(-1px)}.btn-secondary{background:#111419;color:#fff}.btn-secondary:hover{border-color:#69717c}.side-card .btn{width:100%}
.partner-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:52px;align-items:start;padding:74px 0}.partner-grid h2{font-size:clamp(2rem,4vw,3.4rem);line-height:1.04;letter-spacing:-.04em;margin:8px 0 16px}.partner-grid p{color:#c5cad0}.referral-steps{display:grid;gap:14px}.referral-step{padding:23px;border:1px solid var(--line);border-radius:19px;background:var(--panel)}.referral-step b{display:block;color:var(--amber2);font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:5px}.referral-step h3{margin:0 0 6px}.referral-step p{margin:0;color:var(--muted);font-size:.92rem}.partner-callout{padding:26px;border:1px solid rgba(255,159,28,.25);background:rgba(255,159,28,.07);border-radius:22px;margin-top:28px}.partner-callout p{font-size:1.06rem;margin:0;color:#e1e3e6}
.cta-section{border-top:1px solid var(--line);padding:70px 0}.cta-band{background:linear-gradient(135deg,#171b20,#101217);border:1px solid #343a44;border-radius:30px;padding:42px;display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center}.cta-band h2{font-size:clamp(2rem,4vw,3.2rem);line-height:1.03;letter-spacing:-.04em;margin:0 0 10px}.cta-band p{margin:0;color:var(--muted);max-width:650px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}
footer{padding:50px 0 30px;background:#050607;border-top:1px solid var(--line)}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:36px}.footer-grid h3{font-size:.95rem;margin:0 0 12px}.footer-grid a{display:block;color:#aeb4bd;margin:7px 0;font-size:.88rem}.footer-grid a:hover{color:#fff}.footer-copy{max-width:500px;color:#979fa9;font-size:.88rem}.footer-copy .brand{color:#fff;margin-bottom:14px}.footer-bottom{border-top:1px solid #1d2127;margin-top:34px;padding-top:22px;color:#7f8792;font-size:.76rem}.footer-bottom p{margin:.35rem 0}
@media(max-width:900px){.nav-links{display:none;position:absolute;top:74px;left:0;right:0;background:#0b0d10;padding:20px;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch}.nav-links.open{display:flex}.menu-btn{display:block}.article-grid{grid-template-columns:1fr 1fr}.article-wrap,.partner-grid,.cta-band{grid-template-columns:1fr}.sidebar{position:static}.hub-intro{align-items:start;flex-direction:column}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.container{width:min(calc(100% - 26px),var(--max))}.topbar .right{display:none}.brand-copy{font-size:.9rem}.brand-copy span{font-size:.62rem}.hero-inner{padding:58px 0 50px}.page-hero h1{font-size:2.8rem}.article-grid,.footer-grid{grid-template-columns:1fr}.article-wrap{padding:54px 0 68px}.article-body p,.article-body li{font-size:.98rem}.cta-band{padding:28px}.actions .btn{width:100%}}