:root{--ink:#122033;--muted:#5c6b7a;--paper:#f7f9fc;--card:#fff;--line:#dfe6ee;--accent:#176b87;--accent2:#0f4d63;--warm:#eef7f8}
*{box-sizing:border-box}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:1.65}
a{color:var(--accent2)}.wrap{max-width:1120px;margin:auto;padding:0 22px}.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-weight:850;text-decoration:none;color:var(--ink);letter-spacing:-.03em;font-size:1.25rem}.brand span{color:var(--accent)}
nav a{text-decoration:none;color:var(--ink);margin-left:18px;font-weight:650;font-size:.94rem}.hero{padding:82px 0 56px;background:linear-gradient(180deg,#fff,var(--paper))}
.kicker{text-transform:uppercase;letter-spacing:.12em;font-size:.76rem;font-weight:800;color:var(--accent)}h1{font-size:clamp(2.35rem,6vw,4.6rem);line-height:1.02;letter-spacing:-.055em;max-width:900px;margin:.15em 0}
h2{font-size:1.75rem;line-height:1.2;letter-spacing:-.025em;margin-top:2.2em}h3{margin-top:1.6em}.lead{font-size:1.18rem;color:var(--muted);max-width:760px}
.btn{display:inline-block;background:var(--accent);color:white;text-decoration:none;font-weight:800;padding:13px 18px;border-radius:10px;margin:8px 8px 8px 0}.btn.secondary{background:white;color:var(--accent2);border:1px solid var(--line)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:26px 0}.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px}.card h3{margin-top:0}.card a{font-weight:750}
main.article{max-width:820px;margin:48px auto;padding:0 22px}.note,.cta{border:1px solid var(--line);background:#fff;border-radius:14px;padding:20px;margin:28px 0}.cta{background:var(--warm)}
.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:22px}.breadcrumbs a{color:var(--muted)}.disclosure{font-size:.9rem;color:var(--muted);border-left:3px solid var(--accent);padding-left:12px}
footer{border-top:1px solid var(--line);background:#fff;margin-top:70px;padding:34px 0;color:var(--muted);font-size:.9rem}footer a{margin-right:14px}
ul.check li{margin-bottom:9px}.eyebrow{font-size:.82rem;color:var(--muted)}table{border-collapse:collapse;width:100%;background:white}th,td{border:1px solid var(--line);padding:12px;text-align:left}
@media(max-width:760px){.grid{grid-template-columns:1fr}.nav{align-items:flex-start;padding-top:16px;padding-bottom:16px;flex-direction:column}nav a{margin:0 14px 0 0}.site-header{position:static}.hero{padding-top:54px}}

.header-cta{display:inline-block;background:var(--accent);color:#fff!important;padding:9px 13px;border-radius:9px;margin-left:18px!important}
.layout{max-width:1120px;margin:48px auto;padding:0 22px;display:grid;grid-template-columns:minmax(0,780px) 280px;gap:44px;align-items:start}
.layout .article{max-width:none;margin:0;padding:0;min-width:0}
.sidebar{position:sticky;top:96px}.sidebar-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px}
.sidebar-card h3{margin-top:0;line-height:1.25}.sidebar-card p{font-size:.94rem;color:var(--muted)}
.sidebar-card .btn{display:block;text-align:center;margin-right:0}.mini-disclosure{font-size:.77rem!important;line-height:1.45}
.sources{font-size:.9rem;background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px;margin:30px 0}.sources h2{font-size:1rem;margin:0 0 8px}
.callout{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;margin:24px 0}
.site-footer-cta{background:var(--warm);border:1px solid var(--line);border-radius:15px;padding:18px;margin-bottom:24px}
@media(max-width:900px){.layout{grid-template-columns:1fr}.sidebar{position:static}.header-cta{margin:12px 0 0!important}nav{display:flex;flex-wrap:wrap;gap:10px}nav a{margin:0!important}}