.ch-hero{padding:64px 0 84px;position:relative;overflow:hidden}.ch-hero:before{content:"";position:absolute;top:-280px;right:-200px;width:720px;height:720px;border-radius:50%;background:radial-gradient(circle,rgba(201,169,110,.12),transparent 62%);pointer-events:none}.ch-hero .crumbs{margin-bottom:30px}.ch-dateline{font-size:11px;color:var(--accent-ink);border-left:2px solid var(--gold);padding-left:12px;font-weight:600;line-height:1.3;margin-bottom:6px}.ch-hero h1{font-family:var(--font-display);font-weight:600;font-size:clamp(34px,4vw,54px);line-height:1.08;letter-spacing:-.018em;color:var(--text-strong);margin:22px 0;max-width:14ch}.ch-hero h1 em{font-style:normal;color:var(--accent)}.ch-answer{font-size:16px;line-height:1.8;color:var(--muted);max-width:760px;margin-bottom:30px}.ch-answer strong{color:var(--text-strong);font-weight:600}.ch-hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}.ch-stamp{font-size:12px;color:var(--faint);line-height:1.6;max-width:620px}.ch-cards-sec{background:var(--bg-alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.ch-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.ch-card{display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:34px 32px 30px;position:relative;overflow:hidden;transition:transform .45s var(--ease),box-shadow .45s,border-color .45s}.ch-card:before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .5s var(--ease)}.ch-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-soft);border-color:var(--line-gold)}.ch-card:hover:before{transform:scaleX(1)}.ch-card-idx{position:absolute;top:26px;right:28px;font-size:11px;color:var(--line-gold);letter-spacing:.1em}.ch-card-kicker{font-size:10px;letter-spacing:.14em;color:var(--accent-ink);margin-bottom:13px}.ch-card h3{font-family:var(--font-display);font-size:21px;font-weight:600;color:var(--text-strong);line-height:1.25;margin-bottom:12px;max-width:18ch}.ch-card p{font-size:13.5px;line-height:1.66;color:var(--muted);margin-bottom:16px}.ch-card-verdict{font-size:13px;line-height:1.55;color:var(--text-strong);font-weight:500;display:flex;gap:9px;align-items:flex-start;padding-top:14px;border-top:1px solid var(--line);margin-bottom:18px}.ch-card-vmark{color:var(--accent);font-weight:700;flex-shrink:0}.ch-card-cta{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--accent-ink);margin-top:auto}.ch-card-cta svg{width:14px;height:14px;stroke:currentColor;fill:none;stroke-width:2;transition:transform .3s var(--ease)}.ch-card:hover .ch-card-cta svg{transform:translate(5px)}.ch-throughline{background:var(--bg)}.ch-tl-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:56px;align-items:center}.ch-tl-copy h2{font-family:var(--font-display);font-weight:600;font-size:clamp(27px,3vw,40px);line-height:1.14;color:var(--text-strong);margin:18px 0}.ch-tl-copy h2 em{font-style:normal;color:var(--accent)}.ch-tl-copy p{font-size:15px;line-height:1.74;color:var(--muted);margin-bottom:16px}.ch-tl-copy p strong{color:var(--text-strong);font-weight:600}.ch-tl-note{font-size:12.5px;line-height:1.6;color:var(--faint);border-left:2px solid var(--line-gold);padding-left:14px}.ch-tl-card{background:var(--navy);border:1px solid var(--line-gold);border-radius:var(--r-md);padding:24px 26px;color:#f6f2ea;font-size:11px;line-height:1.5;box-shadow:var(--shadow)}.ch-tl-tag{font-size:9px;color:var(--gold);letter-spacing:.18em;padding-bottom:12px;margin-bottom:12px;border-bottom:1px solid rgba(246,242,234,.14)}.ch-tl-row{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:5px 0;color:#f6f2ea99}.ch-tl-row b{color:#f6f2ea;font-weight:600}.ch-tl-hero{margin:12px 0;padding:12px 0;border-top:1px solid rgba(246,242,234,.12);border-bottom:1px solid rgba(246,242,234,.12)}.ch-tl-hero-k{display:block;font-size:9px;color:#f6f2ea99;letter-spacing:.12em;margin-bottom:6px}.ch-tl-hero-v{font-family:var(--font-display);font-size:24px;font-weight:600;color:var(--gold);line-height:1}.ch-tl-foot{margin-top:14px;padding-top:11px;border-top:1px solid rgba(246,242,234,.14);color:var(--gold);font-size:9px;letter-spacing:.1em}.ch-faq{background:var(--bg-alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.ch-faq .sec-head.center{margin-bottom:44px}.ch-faq-inner{max-width:880px;margin:0 auto}@media(max-width:980px){.ch-cards{grid-template-columns:1fr}.ch-tl-grid{grid-template-columns:1fr;gap:40px}}