.oplativ-article {
  max-width: 940px;
  margin: 0 auto;
  padding: 45px 50px 55px;
  color: #1e293b;
  background: #fff;
  border-radius: 24px;
  box-shadow: 0 8px 40px rgba(15, 23, 42, .06);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  font-size: 16.5px;
  line-height: 1.8;
}

.oplativ-article h2 {
  margin: 48px 0 18px;
  padding-left: 22px;
  border-left: 6px solid #2563eb;
  color: #0f172a;
  font-size: 27px;
  font-weight: 700;
  line-height: 1.3;
}

.oplativ-article h3 {
  margin: 30px 0 12px;
  color: #1e293b;
  font-size: 20px;
  line-height: 1.4;
}

.oplativ-article p { margin: 0 0 20px; color: #334155; }
.oplativ-article ul,
.oplativ-article ol { margin: 0 0 24px; padding-left: 26px; }
.oplativ-article li { margin-bottom: 10px; padding-left: 4px; }
.oplativ-article li::marker { color: #2563eb; font-weight: 700; }
.oplativ-article strong { color: #0f172a; }

.oplativ-article .lead,
.oplativ-article .note,
.oplativ-article .warning {
  margin: 24px 0 36px;
  padding: 28px 36px;
  border-radius: 18px;
  background: linear-gradient(145deg, #eff6ff, #f8fafc);
  border-left: 6px solid #2563eb;
  box-shadow: 0 4px 16px rgba(37, 99, 235, .06);
}

.oplativ-article .warning {
  background: linear-gradient(145deg, #fff7ed, #fffbeb);
  border-left-color: #f59e0b;
}

.oplativ-article .cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  margin: 22px 0 30px;
}

.oplativ-article .card {
  padding: 18px;
  border: 1px solid #e2e8f0;
  border-radius: 14px;
  background: #f8fafc;
}

.oplativ-article .card-num {
  display: block;
  margin-bottom: 4px;
  color: #2563eb;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .06em;
}

.oplativ-article .table-wrap { margin: 28px 0 34px; overflow-x: auto; }
.oplativ-article table {
  width: 100%;
  min-width: 620px;
  border: 1px solid #e2e8f0;
  border-collapse: separate;
  border-spacing: 0;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(15, 23, 42, .05);
  font-size: 15px;
}

.oplativ-article th {
  padding: 16px 18px;
  color: #fff;
  background: #0f172a;
  text-align: left;
}

.oplativ-article td {
  padding: 16px 18px;
  border-top: 1px solid #e2e8f0;
  vertical-align: top;
}

.oplativ-article .checklist {
  margin: 22px 0 32px;
  padding: 24px 32px;
  border: 1px solid #e2e8f0;
  border-radius: 16px;
  background: #f8fafc;
}

.oplativ-article .checklist ul { margin: 0; padding: 0; list-style: none; }
.oplativ-article .checklist li { position: relative; padding-left: 32px; }
.oplativ-article .checklist li::before {
  position: absolute;
  top: 1px;
  left: 0;
  width: 21px;
  height: 21px;
  border-radius: 50%;
  color: #fff;
  background: #2563eb;
  content: "✓";
  font-size: 13px;
  font-weight: 800;
  line-height: 21px;
  text-align: center;
}

.oplativ-article .cta {
  margin: 38px 0;
  padding: 30px;
  border-radius: 20px;
  color: #fff;
  background: linear-gradient(135deg, #1e40af, #2563eb);
  text-align: center;
}

.oplativ-article .cta h2,
.oplativ-article .cta p { color: #fff; }
.oplativ-article .cta h2 { margin: 0 0 12px; padding: 0; border: 0; }
.oplativ-article .cta .disclosure { margin-top: 14px; opacity: .82; font-size: 13px; }
.oplativ-article .btn {
  display: inline-block;
  padding: 15px 34px;
  border-radius: 999px;
  color: #1e40af !important;
  background: #fff;
  box-shadow: 0 6px 24px rgba(15, 23, 42, .18);
  font-size: 17px;
  font-weight: 700;
  text-decoration: none;
}

.oplativ-article .faq { display: grid; gap: 12px; margin: 22px 0 32px; }
.oplativ-article .faq-item { border: 1px solid #e2e8f0; border-radius: 14px; background: #f8fafc; overflow: hidden; }
.oplativ-article .faq-question {
  width: 100%;
  padding: 18px 22px;
  border: 0;
  color: #0f172a;
  background: transparent;
  font: inherit;
  font-weight: 700;
  text-align: left;
  cursor: pointer;
}
.oplativ-article .faq-question::after { float: right; color: #2563eb; content: "+"; font-size: 22px; }
.oplativ-article .faq-question[aria-expanded="true"]::after { content: "−"; }
.oplativ-article .faq-answer { padding: 0 22px 18px; }
.oplativ-article .faq-answer[hidden] { display: none; }
.oplativ-article .source-note { color: #64748b; font-size: 14px; }

@media (max-width: 768px) {
  .oplativ-article { padding: 24px 18px 34px; border-radius: 16px; }
  .oplativ-article h2 { margin-top: 38px; padding-left: 14px; font-size: 21px; }
  .oplativ-article .lead,
  .oplativ-article .note,
  .oplativ-article .warning { padding: 21px 22px; }
  .oplativ-article .cards { grid-template-columns: 1fr; }
  .oplativ-article .checklist,
  .oplativ-article .cta { padding: 22px; }
}