:root{--g9:#0A2140;--g8:#0E2A4A;--g7:#183E66;--g5:#3A6B45;--g1:#EAF1EC;--navy:#0E2A4A;--sand:#F7F4EC;--warm:#C8642B;--gold:#F2B544;--ink:#1E2A26;--mut:#56635D;--line:#E2DDD0;--serif:Georgia,"Iowan Old Style","Palatino Linotype",serif;--sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.7 var(--sans);color:var(--ink);background:var(--sand)}
a{color:var(--g5);text-underline-offset:3px}a:hover{color:var(--warm)}:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
header.site .wrap{display:flex;align-items:center;gap:22px;min-height:70px;flex-wrap:wrap}
.brand{margin-right:auto;display:flex;padding:8px 0}.brand img{height:52px;width:auto;display:block}
header.site nav{display:flex;gap:4px;flex-wrap:wrap}header.site nav a{color:var(--g8);text-decoration:none;font-weight:600;font-size:15px;padding:8px 12px;border-radius:8px}header.site nav a:hover{background:var(--g1);color:var(--g8)}
main{padding:0 0 64px}
h1,h2,h3{font-family:var(--serif);color:var(--g8);line-height:1.2}h1{font-size:clamp(30px,4.5vw,46px);margin:.3em 0 .4em}h2{font-size:clamp(23px,2.6vw,29px);margin-top:1.8em}h3{font-size:20px}
.crumbs{font-size:14px;color:var(--mut);padding-top:22px}.crumbs a{color:var(--mut)}
.page-head{background:linear-gradient(180deg,#fff,var(--sand));border-bottom:1px solid var(--line);padding:6px 0 26px;margin-bottom:30px}.page-head p.lede{font-size:19px;color:var(--mut);max-width:720px}
.hero{position:relative;overflow:hidden;background:var(--g8);color:#EAF2EC;padding:76px 0 86px}
.hero h1{color:#fff;max-width:760px}.hero p{font-size:19px;max-width:640px;color:#D5E4DA}.hero .eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.14em;font-weight:700;font-size:13px}
.hero svg.ridge{position:absolute;left:0;right:0;bottom:0;width:100%;height:150px}
.hero .wrap{position:relative;z-index:1}
.btn{display:inline-block;background:var(--gold);color:var(--g9);font-weight:700;text-decoration:none;padding:12px 22px;border-radius:10px;margin:8px 10px 0 0}.btn:hover{background:#fff;color:var(--g9)}.btn.ghost{background:transparent;color:#fff;border:1.5px solid #9FC2AE}
.section{padding-top:44px}.section>h2{margin-top:0}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px;padding:0;margin:18px 0;list-style:none}
.cards li{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 20px 18px;transition:transform .15s,box-shadow .15s;position:relative}
.cards li:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(23,59,44,.10)}
.cards li a{color:var(--g8);text-decoration:none;font-family:var(--serif);font-size:19px;line-height:1.3}.cards li a::after{content:"";position:absolute;inset:0}
.cards .meta{display:block;margin-top:6px}
.ico{width:44px;height:44px;border-radius:12px;background:var(--g1);display:grid;place-items:center;margin-bottom:12px}.ico svg{width:24px;height:24px;stroke:var(--g7);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.tag{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--warm);margin-bottom:6px}
.meta{color:var(--mut);font-size:14.5px}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 250px;gap:48px;align-items:start}
.prose{max-width:70ch;font-size:18px}.prose p,.prose li{line-height:1.78}.prose h2{scroll-margin-top:90px;border-top:1px solid var(--line);padding-top:26px}
.byline{display:flex;align-items:center;gap:10px}.avatar{flex:0 0 38px;width:38px;height:38px;border-radius:50%;background:var(--g7);color:var(--gold);display:grid;place-items:center;font-weight:700;font-family:var(--serif)}
.answer{background:var(--g1);border:1px solid #CFE0D5;border-left:5px solid var(--g5);padding:18px 22px;border-radius:12px;font-size:18px}
.answer strong:first-child{display:block;color:var(--g7);font-size:13px;text-transform:uppercase;letter-spacing:.12em;margin-bottom:4px}
.faq{background:#fff;border:1px solid var(--line);border-radius:14px;padding:6px 22px 14px;margin-top:30px}.faq h2{border:0;padding-top:12px}.faq h3{font-family:var(--sans);font-size:17px;margin:18px 0 4px;color:var(--g8)}.faq h3::before{content:"Q. ";color:var(--warm)}
.sources{list-style:none;padding:0}.sources li{background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 14px 10px 42px;margin:8px 0;position:relative;font-size:16px}.sources li::before{content:"↗";position:absolute;left:15px;top:9px;color:var(--warm);font-weight:700}
.toc{position:sticky;top:96px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px;font-size:15px}.toc strong{font-family:var(--serif);color:var(--g8)}.toc ol{padding-left:18px;margin:8px 0 0}.toc li{margin:6px 0;line-height:1.4}.toc a{color:var(--ink);text-decoration:none}.toc a:hover{color:var(--warm)}
.disclose{font-size:14.5px;color:var(--mut);background:#FBF3E6;border:1px solid #EED9B7;border-radius:10px;padding:12px 16px;margin-top:28px}
.filed{font-size:15px;color:var(--mut);margin-top:26px}
.panel{background:#fff;border:1px solid var(--line);border-radius:16px;padding:8px 28px 22px;max-width:780px}
form label{display:block;margin-top:14px;font-weight:600;color:var(--g8)}input,textarea{width:100%;padding:11px 12px;border:1px solid #CBC4B3;border-radius:10px;font:inherit;background:#fff}button{margin-top:16px;padding:12px 22px;background:var(--g7);color:#fff;border:0;border-radius:10px;font:inherit;font-weight:700;cursor:pointer}button:hover{background:var(--g9)}
.trust{display:flex;flex-wrap:wrap;gap:10px 26px;margin-top:26px;font-size:15px;color:#CFE0D5}.trust span::before{content:"✓ ";color:var(--gold);font-weight:700}
footer.site{background:var(--g9);color:#CFDDD4;font-size:15px;padding:46px 0 26px;margin-top:20px}footer.site a{color:#fff}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.fgrid h4{color:var(--gold);font-size:13px;letter-spacing:.12em;text-transform:uppercase;margin:0 0 10px}.fgrid ul{list-style:none;padding:0;margin:0}.fgrid li{margin:6px 0}.fgrid a{text-decoration:none}.fgrid a:hover{text-decoration:underline}
.fbrand img{height:46px;width:auto;background:#fff;border-radius:12px;padding:8px 12px;box-sizing:content-box}.fine{border-top:1px solid #2A4A3C;margin-top:30px;padding-top:16px;font-size:13.5px;color:#A9BDB1}
@media (max-width:900px){.article-grid{grid-template-columns:1fr}.toc{position:static;order:-1}.fgrid{grid-template-columns:1fr 1fr}.fgrid>div:first-child{grid-column:1/-1}}
@media (max-width:560px){body{font-size:16.5px}header.site .wrap{padding-top:10px;padding-bottom:8px;gap:6px}header.site nav a{padding:4px 7px;font-size:14px}header.site nav{width:100%;justify-content:space-between}.hero{padding:48px 0 90px}.prose{font-size:17px}.fgrid{grid-template-columns:1fr}}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:44px;align-items:center}
.hero-logo{background:#fff;border-radius:22px;padding:22px;box-shadow:0 18px 40px rgba(0,0,0,.25)}.hero-logo img{width:100%;height:auto;display:block}
.about-logo{max-width:360px;margin:6px 0 18px}.about-logo img{width:100%;height:auto;display:block}
.btn{background:#3A6B45;color:#fff}.btn:hover{background:#fff;color:var(--g9)}
.ico svg{stroke:var(--g5)}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:28px}.hero-logo{max-width:420px;padding:16px}}
@media (max-width:560px){.brand img{height:44px}}