:root{--navy:#10243b;--navy2:#183754;--gold:#c9a24a;--ink:#17202a;--muted:#5f6973;--paper:#fbfaf7;--white:#fff;--line:#ded9cf;--soft:#f3efe7;--softblue:#edf3f8;--warn:#fff7e5;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.7 Georgia,serif}
a{color:#1e547e;text-decoration-thickness:1px;text-underline-offset:2px}.wrap{max-width:var(--max);margin:auto;padding:0 24px}
.site-header{background:var(--navy);color:white;position:sticky;top:0;z-index:20;box-shadow:0 2px 12px rgba(0,0,0,.12)}
.topbar{display:flex;align-items:center;gap:20px;padding:14px 0}.logo{font:800 23px/1 Arial,sans-serif;color:#fff;text-decoration:none;white-space:nowrap}.logo b{color:var(--gold)}
.main-nav{display:flex;gap:15px;align-items:center;margin-left:auto}.main-nav a{font:600 13px Arial,sans-serif;color:#edf2f6;text-decoration:none}
.header-cta{display:inline-block;background:var(--gold);color:#111!important;padding:11px 14px;border-radius:7px;font:800 13px Arial,sans-serif;text-decoration:none;white-space:nowrap}
.hero{background:linear-gradient(140deg,var(--navy),var(--navy2));color:white;padding:72px 0 62px}.hero h1{font:800 50px/1.05 Arial,sans-serif;max-width:850px;margin:10px 0 18px}.hero p{font-size:21px;max-width:780px;color:#e8edf2}
.eyebrow{font:800 12px Arial,sans-serif;text-transform:uppercase;letter-spacing:.12em;color:#b08126}.hero .eyebrow{color:#e2c47e}
main{padding:42px 0 72px}.grid{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:44px}article{min-width:0}
.breadcrumbs{font:13px Arial,sans-serif;color:var(--muted);margin-bottom:17px}.breadcrumbs a{color:var(--muted)}
h1,h2,h3{font-family:Arial,sans-serif;line-height:1.18}h1{font-size:43px;margin:9px 0 15px}h2{font-size:29px;margin-top:44px}h3{font-size:21px;margin-top:28px}
.lede{font-size:21px;color:#39434c}.meta{font:14px Arial,sans-serif;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:18px}
.card,.callout,.toc,.factbox{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:22px}.note{border-left:4px solid var(--gold);background:var(--soft);padding:16px 20px;margin:24px 0}
.disclosure{font:14px/1.5 Arial,sans-serif;background:var(--warn);border:1px solid #e8d29e;padding:13px 15px;border-radius:7px;margin-bottom:24px}
.cta{display:inline-block;background:var(--gold);color:#111!important;text-decoration:none;padding:13px 17px;border-radius:7px;font:800 14px Arial,sans-serif}.cta.secondary{background:var(--navy);color:white!important}
.in-article-cta{margin:30px 0;background:linear-gradient(135deg,#f4ecd8,#fff);border:1px solid #dfc78c;border-radius:11px;padding:22px}.in-article-cta h3{margin:0 0 8px}.in-article-cta p{margin-top:0}
.sidebar{align-self:start}.sidebar .card{margin-bottom:18px}.sidebar h3{margin-top:0}.sidebar a.link{display:block;margin:10px 0}.sticky-card{position:sticky;top:88px}
table{width:100%;border-collapse:collapse;margin:24px 0;background:white;font-size:16px}th,td{padding:12px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:var(--soft);font-family:Arial,sans-serif}
.checklist li{margin:8px 0}.source-list li{margin:9px 0;word-break:break-word}.hub-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.hub-grid .card h3{margin-top:0}
footer{background:#0b1724;color:#cbd4dc;padding:38px 0;font:14px/1.7 Arial,sans-serif}footer a{color:#e9c77d}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.footer-grid h3{font-size:16px;color:white;margin-top:0}
@media(max-width:950px){.main-nav a:not(.header-cta){display:none}.grid{grid-template-columns:1fr}.sticky-card{position:static}}
@media(max-width:700px){.hero h1{font-size:38px}.hub-grid,.footer-grid{grid-template-columns:1fr}.topbar{gap:10px}.logo{font-size:20px}.header-cta{margin-left:auto;font-size:12px;padding:10px}}