:root{--ink:#18202a;--muted:#5d6875;--paper:#fbfaf6;--card:#fff;--gold:#a4771f;--gold2:#d2b36d;--navy:#13233a;--line:#e5dfd2;--soft:#f3efe5;--danger:#8a3d2f}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--paper);color:var(--ink);line-height:1.65}
a{color:#785612;text-decoration-thickness:1px;text-underline-offset:2px}a:hover{color:#4d3507}.wrap{width:min(1160px,92%);margin:auto}
.topbar{background:#0f1d30;color:#dce5ef;font-size:.85rem;padding:.45rem 0}.topbar .wrap{display:flex;justify-content:space-between;gap:1rem}.topbar a{color:#fff}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20;box-shadow:0 2px 10px rgba(18,34,55,.04)}
.head{display:flex;align-items:center;gap:1.25rem;min-height:74px}.brand{font-family:Georgia,serif;font-size:1.5rem;font-weight:700;color:var(--navy);text-decoration:none;white-space:nowrap}.brand span{color:var(--gold)}
nav{display:flex;gap:1rem;align-items:center;margin-left:auto}nav a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem}.cta{display:inline-flex;align-items:center;justify-content:center;background:var(--gold);color:#fff!important;border-radius:6px;padding:.72rem 1rem;font-weight:800;text-decoration:none;box-shadow:0 2px 0 #6f4e0f}.cta:hover{background:#8d6417}.menu{display:none;background:none;border:0;font-size:1.5rem}
.hero{padding:4.8rem 0 3.8rem;background:linear-gradient(135deg,#13233a 0%,#1c3252 60%,#29405f 100%);color:#fff}.hero h1{font-family:Georgia,serif;font-size:clamp(2.3rem,5vw,4.4rem);line-height:1.05;margin:0 0 1rem;max-width:850px}.hero p{font-size:1.18rem;max-width:760px;color:#e2e8ef}.eyebrow{text-transform:uppercase;letter-spacing:.11em;font-size:.78rem;font-weight:800;color:var(--gold2)}
.hero-actions{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.6rem}.ghost{display:inline-flex;align-items:center;padding:.72rem 1rem;border:1px solid #9babc0;border-radius:6px;color:#fff;text-decoration:none;font-weight:700}
.section{padding:3.6rem 0}.section h2,.article h2{font-family:Georgia,serif;color:var(--navy);line-height:1.15}.section h2{font-size:2rem}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.15rem}.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:1.35rem;box-shadow:0 7px 24px rgba(25,35,45,.05)}.card h3{margin-top:0;color:var(--navy)}.card p{color:var(--muted)}.card a{font-weight:800}
.notice{background:#fff7df;border-left:4px solid var(--gold);padding:1rem 1.1rem;border-radius:4px;margin:1.25rem 0;color:#4f431e}
.breadcrumbs{font-size:.88rem;color:var(--muted);margin:1.2rem 0}.breadcrumbs a{color:var(--muted)}
.article-shell{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:2.2rem;align-items:start}.article{background:#fff;border:1px solid var(--line);border-radius:10px;padding:clamp(1.25rem,3vw,2.6rem);box-shadow:0 8px 28px rgba(25,35,45,.05)}.article h1{font-family:Georgia,serif;color:var(--navy);font-size:clamp(2rem,4vw,3.2rem);line-height:1.08;margin:.25rem 0 1rem}.dek{font-size:1.13rem;color:#4e5a67}.article h2{font-size:1.65rem;margin-top:2.2rem}.article ul{padding-left:1.25rem}.article li{margin:.35rem 0}.keybox{background:var(--soft);border:1px solid #dfd4ba;border-radius:8px;padding:1.15rem 1.3rem;margin:1.5rem 0}.keybox h2{font-size:1.15rem;margin:.1rem 0 .6rem}
.sidebar{position:sticky;top:95px}.side-card{background:var(--navy);color:#fff;border-radius:10px;padding:1.35rem;margin-bottom:1rem}.side-card h3{font-family:Georgia,serif;margin-top:0}.side-card p{color:#d9e2ec;font-size:.93rem}.side-card .cta{width:100%;text-align:center}.side-links{background:#fff;border:1px solid var(--line);border-radius:10px;padding:1rem 1.2rem}.side-links h3{font-size:1rem;margin-top:0}.side-links a{display:block;padding:.42rem 0;border-bottom:1px solid #eee;text-decoration:none}.side-links a:last-child{border-bottom:0}
.partner-box{border:1px solid #d7c28d;background:#fff9e9;border-radius:10px;padding:1.4rem;margin:2rem 0}.partner-box strong{color:var(--navy)}.disclosure{font-size:.82rem;color:var(--muted);margin-top:.6rem}
.faq details{border-top:1px solid var(--line);padding:1rem 0}.faq summary{font-weight:800;cursor:pointer}
footer{background:#0f1d30;color:#cbd5e1;margin-top:4rem;padding:3rem 0 5.2rem}footer a{color:#f3ddaa}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem}.foot h3{color:#fff}.fine{font-size:.82rem;color:#aebccc;border-top:1px solid #33445b;margin-top:2rem;padding-top:1rem}
.mobile-cta{display:none}
.table{width:100%;border-collapse:collapse;margin:1.4rem 0}.table th,.table td{border:1px solid var(--line);padding:.75rem;text-align:left;vertical-align:top}.table th{background:var(--soft)}
@media(max-width:850px){nav{display:none;position:absolute;left:0;right:0;top:74px;background:#fff;border-bottom:1px solid var(--line);padding:1rem 4%;flex-direction:column;align-items:flex-start}nav.open{display:flex}.menu{display:block;margin-left:auto}.head>.cta{display:none}.article-shell{grid-template-columns:1fr}.sidebar{display:none}.grid{grid-template-columns:1fr}.foot{grid-template-columns:1fr}.topbar .wrap{display:block}.mobile-cta{display:block;position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--line);padding:.6rem;z-index:30}.mobile-cta .cta{width:100%}footer{padding-bottom:6.5rem}}