:root{--ink:#172033;--muted:#667085;--paper:#fffdf8;--card:#ffffff;--line:#e6e1d7;--gold:#b78932;--navy:#14213d;--soft:#f6f1e7;--green:#176b4d}
*{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;color:var(--ink);background:var(--paper);line-height:1.68}
a{color:#234d84}a:hover{text-decoration-thickness:2px}.wrap{width:min(1120px,92%);margin:auto}
header{background:var(--navy);color:white;border-bottom:3px solid var(--gold)}.top{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:18px 0}.brand{color:white;text-decoration:none;font-weight:850;letter-spacing:-.02em;font-size:1.2rem}.brand span{color:#e0b65f}
nav{display:flex;gap:18px;flex-wrap:wrap}nav a{color:#f7f3e9;text-decoration:none;font-size:.95rem}
.hero{padding:72px 0 52px;background:linear-gradient(180deg,#f3ead8 0%,var(--paper) 100%)}h1,h2,h3{line-height:1.18;letter-spacing:-.025em}h1{font-size:clamp(2.2rem,5vw,4.3rem);max-width:900px;margin:.2em 0}h2{font-size:clamp(1.55rem,3vw,2.25rem);margin-top:2.2em}.kicker{text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:#805d1d;font-size:.78rem}.lede{font-size:1.18rem;max-width:780px;color:#3c465b}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:28px 0}.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:0 8px 24px rgba(23,32,51,.04)}.card h3{margin-top:0}.card a{font-weight:750}
main.article{width:min(820px,92%);margin:50px auto}.note,.disclosure,.evidence{border-left:4px solid var(--gold);background:var(--soft);padding:16px 18px;margin:24px 0;border-radius:4px}.evidence{border-left-color:#476f9e}.warning{border-left:4px solid #a4493d;background:#fff4f1;padding:16px 18px;margin:24px 0}
.cta{background:var(--navy);color:white;padding:28px;border-radius:16px;margin:34px 0}.cta h2{margin-top:0;color:white}.btn{display:inline-block;background:#e0b65f;color:#162039!important;text-decoration:none;font-weight:850;padding:13px 18px;border-radius:10px;margin-top:8px}.small{font-size:.88rem;color:var(--muted)}.cta .small{color:#d9deea}
table{width:100%;border-collapse:collapse;margin:24px 0;background:white}th,td{text-align:left;padding:12px;border:1px solid var(--line);vertical-align:top}th{background:var(--soft)}
footer{margin-top:70px;background:#101a31;color:#d8deea;padding:38px 0}footer a{color:#f0cf89}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.breadcrumb{font-size:.9rem;color:var(--muted);margin-bottom:18px}.breadcrumb a{color:var(--muted)}
ul.check li{margin:.55em 0}.tag{display:inline-block;background:#eee6d6;border-radius:999px;padding:4px 10px;font-size:.8rem;font-weight:700;margin-right:6px}
@media(max-width:760px){.top{align-items:flex-start;flex-direction:column}.grid,.footergrid{grid-template-columns:1fr}.hero{padding-top:48px}nav{gap:12px}h1{font-size:2.45rem}}