:root{--ink:#10243e;--muted:#5f6f80;--line:#dfe6ec;--bg:#f7fafc;--card:#fff;--accent:#c9803a;--deep:#0b3152;--soft:#edf5f7;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.7 system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:#fff}
a{color:#0d5d7a;text-decoration-thickness:1px;text-underline-offset:3px}.wrap{max-width:var(--max);margin:auto;padding:0 22px}
header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}.top{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:24px}.brand{font-weight:850;font-size:21px;color:var(--deep);text-decoration:none;letter-spacing:-.4px}.brand span{color:var(--accent)}
nav{display:flex;gap:18px;flex-wrap:wrap}nav a{font-size:14px;color:var(--ink);text-decoration:none;font-weight:650}
.hero{padding:72px 0 52px;background:linear-gradient(135deg,#f5fafb,#edf3f6)}.eyebrow{font-size:13px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#557080}
h1{font-size:clamp(38px,6vw,66px);line-height:1.04;letter-spacing:-2px;margin:.18em 0}.hero p{font-size:20px;max-width:760px;color:var(--muted)}
.btn{display:inline-block;background:var(--deep);color:white;text-decoration:none;padding:13px 18px;border-radius:7px;font-weight:750;margin:8px 8px 8px 0}.btn.alt{background:white;color:var(--deep);border:1px solid var(--line)}
section{padding:48px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:12px;padding:24px;background:var(--card);box-shadow:0 6px 22px rgba(18,44,64,.04)}.card h3{margin-top:0}.card p{color:var(--muted)}
article{max-width:790px;margin:auto;padding:40px 22px 70px}article h1{font-size:clamp(34px,5vw,54px)}article h2{font-size:28px;line-height:1.2;margin-top:42px}article h3{font-size:21px;margin-top:28px}
.dek{font-size:20px;color:var(--muted)}.note,.disclosure{padding:16px 18px;border-left:4px solid var(--accent);background:#fbf7f1;margin:24px 0}.evidence{background:var(--soft);padding:18px;border-radius:10px;margin:22px 0}
.cta{border:1px solid var(--line);border-radius:12px;padding:24px;margin:34px 0;background:#fbfcfd}.cta h3{margin-top:0}.cta .btn{background:var(--accent)}
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:22px}.meta{font-size:13px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:18px;margin-bottom:28px}
footer{background:#0c2338;color:#dbe7ef;padding:42px 0}footer a{color:#fff}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.small{font-size:13px;color:#7c8b98}
@media(max-width:800px){.grid,.foot{grid-template-columns:1fr}nav{display:none}.hero{padding-top:48px}header{position:static}}