:root{--ink:#102436;--muted:#5e6d79;--navy:#0c2d48;--sky:#e9f4fb;--sand:#fff8e7;--accent:#ffb703;--accent2:#1f8a70;--line:#dce6ec;--white:#fff;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.68 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#f8fbfd}
a{color:#075e8f}a:hover{text-decoration-thickness:2px}.wrap{width:min(var(--max),calc(100% - 32px));margin:auto}
.site-header{background:var(--navy);color:white;position:sticky;top:0;z-index:20;box-shadow:0 2px 14px #0002}
.header-row{display:flex;align-items:center;gap:22px;min-height:72px}.brand{display:flex;align-items:center;gap:10px;color:white;text-decoration:none;font-weight:800;font-size:1.18rem;white-space:nowrap}.brand-mark{width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,var(--accent),#fb8500);display:grid;place-items:center;color:#092334;font-weight:900}.nav{display:flex;gap:16px;align-items:center;margin-left:auto}.nav a{color:#e8f3f8;text-decoration:none;font-size:.93rem}.header-cta,.btn{display:inline-block;background:var(--accent);color:#172633!important;text-decoration:none;font-weight:800;padding:11px 16px;border-radius:10px;border:1px solid #e8a500}.header-cta:hover,.btn:hover{filter:brightness(.97)}
.hero{background:linear-gradient(135deg,#0c2d48,#164f6d);color:white;padding:70px 0 62px}.hero-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:42px;align-items:center}.eyebrow{font-size:.84rem;letter-spacing:.1em;text-transform:uppercase;font-weight:800;color:#ffd166}.hero h1{font-size:clamp(2.3rem,6vw,4.8rem);line-height:1.02;margin:.15em 0}.hero p{font-size:1.16rem;color:#d7e8f2;max-width:760px}.hero-card{background:#ffffff10;border:1px solid #ffffff2c;border-radius:18px;padding:24px}.hero-card strong{display:block;font-size:1.2rem;margin-bottom:8px}
.section{padding:54px 0}.section h2{font-size:2rem;line-height:1.18;margin-top:0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:white;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 8px 30px #17394d0a}.card h3{margin-top:0}.card p{color:var(--muted)}.card a{font-weight:750;text-decoration:none}.wave{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:#6a7c88;font-weight:800}
.breadcrumbs{font-size:.9rem;color:var(--muted);margin:22px 0}.breadcrumbs a{color:inherit}
.article-shell{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:38px;align-items:start}.article{background:#fff;border:1px solid var(--line);border-radius:18px;padding:34px}.article h1{font-size:clamp(2rem,4vw,3.15rem);line-height:1.08;margin:.2em 0}.article .dek{font-size:1.15rem;color:var(--muted)}.article h2{font-size:1.55rem;margin-top:2rem}.article h3{font-size:1.12rem;margin-top:1.5rem}.takeaways{background:var(--sky);padding:18px 22px;border-radius:14px;margin:24px 0}.takeaways strong{display:block;margin-bottom:8px}.takeaways li{margin:6px 0}
.sidebar{position:sticky;top:96px}.sidebox{background:var(--navy);color:white;border-radius:16px;padding:22px;margin-bottom:18px}.sidebox p{color:#d9e6ed}.sidebox .btn{width:100%;text-align:center}.side-links{background:white;border:1px solid var(--line);border-radius:16px;padding:20px}.side-links a{display:block;padding:8px 0;border-bottom:1px solid #eef2f5;text-decoration:none}.side-links a:last-child{border:0}
.cta-box{background:var(--sand);border:1px solid #f4d97a;border-radius:16px;padding:24px;margin:30px 0}.cta-box h2,.cta-box h3{margin-top:0}.note{border-left:4px solid var(--accent2);padding:12px 16px;background:#f0faf7}.source-note{font-size:.9rem;color:var(--muted)}
.footer{background:#081f32;color:#c9d8e2;padding:42px 0 90px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.footer a{color:#e7f3f8}.disclosure{font-size:.9rem;color:#aebfca}
.mobile-cta{display:none}.menu-btn{display:none;background:none;color:white;border:1px solid #ffffff55;border-radius:8px;padding:8px 10px}
@media(max-width:900px){.hero-grid,.article-shell,.cards,.footer-grid{grid-template-columns:1fr}.sidebar{position:static}.side-links{display:none}.nav{display:none;position:absolute;top:72px;left:0;right:0;background:var(--navy);padding:16px 24px;flex-direction:column;align-items:flex-start}.nav.open{display:flex}.nav .header-cta{display:none}.menu-btn{display:block;margin-left:auto}.header-row>.header-cta{display:none}.article{padding:24px}.mobile-cta{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:30;background:var(--accent);color:#142331;text-align:center;padding:13px 18px;border-radius:12px;font-weight:850;text-decoration:none;box-shadow:0 6px 28px #0005}.footer{padding-bottom:100px}}