:root{--navy: #10243e;--green: #123f35;--gold: #b99145;--ink: #18212d;--muted: #5f6b7a;--line: #dfe5ea;--soft: #f6f8f7;--white: #ffffff;--shadow: 0 18px 42px rgba(16, 36, 62, .12)}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:92px}body{margin:0;color:var(--ink);background:var(--white);font-family:system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;line-height:1.85}a{color:inherit}img{max-width:100%;display:block}.site-header{position:sticky;top:0;z-index:20;display:flex;align-items:center;gap:22px;min-height:72px;padding:12px clamp(18px,4vw,56px);background:#fffffff5;border-bottom:1px solid var(--line);backdrop-filter:blur(14px)}.brand,.footer-brand{display:inline-flex;align-items:center;gap:10px;color:var(--navy);font-weight:800;text-decoration:none;white-space:nowrap}.brand-mark{display:grid;place-items:center;width:34px;height:34px;color:var(--white);background:var(--green);border-radius:6px;font-family:Georgia,serif}.global-nav{display:flex;align-items:center;gap:18px;margin-left:auto;font-size:.92rem}.global-nav a,.site-footer nav a{color:var(--ink);text-decoration:none}.global-nav a:hover,.site-footer nav a:hover,.article-main a,.pillar-article a{color:var(--green)}.header-cta,.footer-cta,.button{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:10px 18px;border-radius:6px;font-weight:700;text-decoration:none;border:1px solid transparent;cursor:pointer}.header-cta,.button.primary,.footer-cta{color:var(--white);background:var(--green)}.button.secondary{color:var(--navy);background:var(--white);border-color:var(--line)}.menu-button{display:none;width:42px;height:42px;margin-left:auto;background:var(--white);border:1px solid var(--line);border-radius:6px}.menu-button span{display:block;width:20px;height:2px;margin:5px auto;background:var(--navy)}.hero{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(320px,.92fr);gap:clamp(28px,5vw,72px);align-items:center;padding:clamp(52px,8vw,96px) clamp(20px,5vw,72px) clamp(36px,6vw,72px);background:linear-gradient(180deg,#f7faf9,#fff)}.hero h1,.article-header h1,.page-header h1{margin:10px 0 18px;color:var(--navy);font-size:clamp(2rem,4vw,3.4rem);line-height:1.25}.hero-lead,.article-header p,.page-header p{max-width:760px;color:var(--muted);font-size:1.08rem}.hero-actions,.cta-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}.hero-media{overflow:hidden;border-radius:8px;box-shadow:var(--shadow)}.eyebrow{margin:0 0 8px;color:var(--gold);font-size:.78rem;font-weight:800;letter-spacing:0;text-transform:uppercase}.content-shell,.article-shell,.page-shell{width:min(1120px,calc(100% - 36px));margin:0 auto;padding:44px 0 76px}.pillar-article,.article-main,.prose-page{font-size:1rem}.pillar-article>section,.article-main>section,.lead-section,.contact-panel,.disclaimer-box,.toc-card,.cta-box,.author-box,.related-section,.faq-section{margin-top:38px}.pillar-article p,.article-main p,.prose-page p{margin:0 0 18px}.section-heading h2,.pillar-article h2,.article-main h2,.faq-section h2,.related-section h2,.contact-panel h2,.disclaimer-box h2{margin:0 0 16px;color:var(--navy);font-size:clamp(1.45rem,2.6vw,2.1rem);line-height:1.35}.pillar-article h3,.article-main h3{margin:0 0 8px;color:var(--green);font-size:1.14rem}.cta-box{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:22px;align-items:center;padding:clamp(22px,4vw,34px);color:var(--white);background:var(--navy);border-radius:8px;box-shadow:var(--shadow)}.cta-box h2,.cta-box p{color:var(--white);margin-bottom:8px}.cta-box .button.secondary{background:transparent;color:var(--white);border-color:#fff6}.intent-grid,.area-list,.article-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.intent-grid a,.area-list section,.article-card a,.toc-card,.author-box,.disclaimer-box,.contact-panel,.contact-form,.faq-list details,.info-list div{border:1px solid var(--line);border-radius:8px;background:var(--white)}.intent-grid a{display:flex;min-height:124px;flex-direction:column;justify-content:center;padding:18px;text-decoration:none}.intent-grid span{color:var(--muted);font-size:.92rem}.toc-card{padding:24px;background:var(--soft)}.toc-card h2{margin:0 0 12px;font-size:1.1rem}.toc-card ol{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 18px;margin:0;padding-left:20px}.toc-card a{text-decoration:none;color:var(--navy)}.area-list section{padding:20px;background:var(--soft)}.step-list{display:grid;gap:10px;padding:0;list-style:none}.step-list li{display:grid;grid-template-columns:210px 1fr;gap:16px;padding:16px;border-left:4px solid var(--gold);background:var(--soft)}.step-list span{color:var(--muted)}.article-shell{width:min(1160px,calc(100% - 36px))}.article-header{max-width:880px;margin:0 auto 34px}.article-header img{width:100%;margin-top:28px;border-radius:8px;border:1px solid var(--line)}.article-body{display:grid;grid-template-columns:280px minmax(0,1fr);gap:34px}.article-aside{position:sticky;top:96px;align-self:start}.article-aside .toc-card ol{grid-template-columns:1fr}.article-main{max-width:760px}.article-main section{scroll-margin-top:96px}.article-card a{display:grid;overflow:hidden;height:100%;color:var(--ink);text-decoration:none;transition:transform .18s ease,box-shadow .18s ease}.article-card a:hover{transform:translateY(-2px);box-shadow:var(--shadow)}.article-card img{width:100%;aspect-ratio:16 / 9;object-fit:cover;background:var(--soft)}.article-card div{padding:18px}.article-card p{margin:0 0 8px;color:var(--gold);font-weight:800;font-size:.78rem}.article-card h3{margin:0 0 14px;color:var(--navy);font-size:1rem;line-height:1.55}.article-card span{color:var(--green);font-weight:800}.faq-list{display:grid;gap:12px}.faq-list details{padding:16px 18px}.faq-list summary{color:var(--navy);font-weight:800;cursor:pointer}.faq-list p{margin:12px 0 0;color:var(--muted)}.author-box{display:grid;grid-template-columns:56px 1fr;gap:16px;padding:20px;background:var(--soft)}.author-box h2{margin:0 0 6px;font-size:1.05rem}.avatar{display:grid;place-items:center;width:56px;height:56px;color:var(--white);background:var(--green);border-radius:8px;font-weight:800}.breadcrumbs{margin-bottom:24px;color:var(--muted);font-size:.9rem}.breadcrumbs ol{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}.breadcrumbs li+li:before{content:"/";margin-right:8px;color:#9aa4af}.breadcrumbs a{color:var(--green);text-decoration:none}.contact-panel{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:26px;padding:clamp(20px,4vw,34px);background:var(--soft)}.contact-form{display:grid;gap:16px;padding:22px}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}label{display:grid;gap:6px;color:var(--navy);font-weight:800}input,select,textarea{width:100%;min-height:46px;padding:10px 12px;color:var(--ink);background:var(--white);border:1px solid var(--line);border-radius:6px;font:inherit}textarea{resize:vertical}.form-note{margin:0;color:var(--muted);font-size:.9rem}.page-header{max-width:780px;margin-bottom:28px}.prose-page{max-width:820px}.info-list{display:grid;gap:12px}.info-list div{display:grid;grid-template-columns:160px 1fr;gap:14px;padding:16px}.info-list dt{color:var(--navy);font-weight:800}.info-list dd{margin:0}.site-footer{padding:48px clamp(20px,5vw,72px) 24px;color:#d7e0e8;background:var(--navy)}.footer-inner{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:34px;max-width:1120px;margin:0 auto}.site-footer h2{margin:0 0 12px;color:var(--white);font-size:1rem}.footer-brand,.site-footer nav a{color:var(--white)}.site-footer nav{display:grid;gap:8px}.copyright{max-width:1120px;margin:30px auto 0;color:#aab8c5;font-size:.88rem}@media(max-width:980px){.menu-button{display:block}.global-nav{display:none;position:absolute;inset:72px 16px auto;flex-direction:column;align-items:stretch;padding:18px;background:var(--white);border:1px solid var(--line);border-radius:8px;box-shadow:var(--shadow)}.global-nav.is-open{display:flex}.header-cta{display:none}.hero,.article-body,.contact-panel,.footer-inner{grid-template-columns:1fr}.article-aside{position:static}.article-main{max-width:none}}@media(max-width:760px){.site-header{padding-inline:16px}.brand span:last-child{white-space:normal;line-height:1.25}.hero{grid-template-columns:1fr;padding-inline:18px}.hero h1,.article-header h1,.page-header h1{font-size:1.85rem}.cta-box,.intent-grid,.area-list,.article-grid,.toc-card ol,.form-grid{grid-template-columns:1fr}.cta-actions,.hero-actions{flex-direction:column}.button,.header-cta,.footer-cta{width:100%}.step-list li,.info-list div{grid-template-columns:1fr}.content-shell,.article-shell,.page-shell{width:min(100% - 28px,1120px);padding-top:28px}}