:root{--ink:#111827;--muted:#5f6878;--paper:#fbfaf7;--card:#fff;--navy:#101b33;--gold:#b88a3b;--line:#e6e1d7;--soft:#f4efe5;--green:#245b49}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.68 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper)}
a{color:#183e78;text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}.wrap{width:min(1120px,92%);margin:auto}
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid #263452}.nav{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:20px}.logo{color:#fff;text-decoration:none;font-weight:800;letter-spacing:.02em}.logo span{color:#d7b36a}.links{display:flex;gap:20px;flex-wrap:wrap}.links a{color:#e9edf5;text-decoration:none;font-size:.93rem}
.hero{padding:76px 0 58px;background:linear-gradient(135deg,#101b33,#182b4e);color:white}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-weight:800;font-size:.74rem;color:#d7b36a}.hero h1{font-size:clamp(2.35rem,5vw,4.7rem);line-height:1.02;max-width:900px;margin:.35em 0}.hero p{font-size:1.15rem;color:#d8deea;max-width:760px}
.btn{display:inline-block;background:#c99b49;color:#101827!important;text-decoration:none;font-weight:800;padding:14px 19px;border-radius:8px;border:0;cursor:pointer}.btn.secondary{background:transparent;color:#fff!important;border:1px solid #61708e;margin-left:8px}.section{padding:58px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:0 8px 30px rgba(20,30,50,.04)}.card h3{margin-top:0}.tag{font-size:.75rem;font-weight:800;text-transform:uppercase;letter-spacing:.1em;color:var(--gold)}
article{width:min(780px,92%);margin:42px auto 70px}article h1{font-size:clamp(2.2rem,5vw,3.7rem);line-height:1.08}article h2{margin-top:2.1em;font-size:1.65rem}article h3{margin-top:1.6em}.lede{font-size:1.15rem;color:#465166}.note,.disclosure{border-left:4px solid var(--gold);background:var(--soft);padding:16px 18px;margin:24px 0}.evidence{border-left-color:var(--green);background:#edf6f2}.cta{background:var(--navy);color:white;border-radius:14px;padding:25px;margin:32px 0}.cta p{color:#d9dfeb}.cta a{margin-top:5px}.breadcrumbs{font-size:.86rem;color:#667085;margin-bottom:18px}.breadcrumbs a{color:#667085}.facts{display:grid;grid-template-columns:1fr 1fr;gap:10px}.fact{border:1px solid var(--line);padding:14px;border-radius:10px;background:#fff}.related{border-top:1px solid var(--line);margin-top:44px;padding-top:25px}.related ul{columns:2}.footer{background:#0d162a;color:#cbd3df;padding:42px 0}.footer a{color:#e6cf9d}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.small{font-size:.86rem;color:#667085}.footer .small{color:#9eabc0}
.modalback{display:none;position:fixed;inset:0;background:rgba(5,10,20,.72);z-index:99;align-items:center;justify-content:center;padding:18px}.modal{position:relative;background:#fff;border-radius:18px;max-width:570px;width:100%;padding:34px;box-shadow:0 30px 80px rgba(0,0,0,.35)}.modal h2{font-size:2rem;line-height:1.1;margin:.3em 0}.x{position:absolute;right:14px;top:10px;border:0;background:none;font-size:28px;cursor:pointer;color:#667085}.modal .btn{width:100%;text-align:center;margin-top:8px}.modal .small{text-align:center;display:block;margin-top:10px}
@media(max-width:760px){.links{display:none}.grid,.footer-grid,.facts{grid-template-columns:1fr}.hero{padding:52px 0}.related ul{columns:1}.btn.secondary{margin:8px 0 0}.modal{padding:28px 22px}}