:root{--ivory:#faf7f2;--white:#fff;--navy:#1f3b73;--navy-d:#14264d;--orange:#f37f21;--ink:#1c2233;--muted:#5d6579;--line:#e4ddd0;--serif:'Cormorant Garamond',Georgia,serif;--sans:'Inter',system-ui,sans-serif;--ease:cubic-bezier(.22,.61,.36,1)}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;overflow-x:clip}
body{background:var(--ivory);color:var(--ink);font-family:var(--sans);font-weight:300;line-height:1.8;-webkit-font-smoothing:antialiased;overflow-x:clip}
a{color:inherit}
img{display:block;max-width:100%}
:focus-visible{outline:2px solid var(--orange);outline-offset:3px}
.wrap{width:min(1100px,100% - 32px);margin-inline:auto}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header .wrap{display:flex;justify-content:space-between;align-items:center;height:70px;gap:20px}
.logo img{height:46px;width:auto}
header nav{display:flex;gap:28px;font-size:.74rem;letter-spacing:.2em;text-transform:uppercase;font-weight:400;color:var(--navy)}
header nav a{text-decoration:none;border-bottom:1px solid transparent;padding:4px 0}
header nav a:hover{border-color:var(--orange)}
.btn{display:inline-block;padding:14px 30px;margin:4px 4px 4px 0;font-size:.74rem;letter-spacing:.2em;text-transform:uppercase;font-weight:500;border:1px solid var(--orange);background:var(--orange);color:#fff;text-decoration:none;transition:.3s var(--ease)}
.btn:hover{background:var(--navy);border-color:var(--navy);transform:translateY(-2px)}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn.ghost:hover{background:#fff;color:var(--navy)}
.hb{padding:10px 20px;margin:0}
.eyebrow{font-size:.7rem;letter-spacing:.36em;text-transform:uppercase;color:var(--orange);font-weight:500}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.1;color:var(--navy)}
.rule{width:56px;height:2px;background:var(--orange);margin:20px 0 28px}
.hero{padding:90px 0 40px;max-width:820px}
.hero h1{font-size:clamp(2.6rem,7vw,4.6rem);margin-top:14px}
.hero .lead{color:var(--muted);font-size:1.1rem}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:30px 0 80px}
.card{display:flex;flex-direction:column;gap:10px;background:var(--white);border:1px solid var(--line);border-top:3px solid var(--orange);padding:30px 26px;text-decoration:none;transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.card:hover{transform:translateY(-6px);box-shadow:0 18px 36px rgba(20,38,77,.12)}
.card h3{font-size:1.5rem}
.card p{color:var(--muted);font-size:.9rem;flex:1}
.card .more{color:var(--orange);font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;font-weight:500}
.post{max-width:780px;padding:56px 0 30px}
.crumb{font-size:.78rem;color:var(--muted);margin-bottom:22px}
.crumb a{text-decoration:none;color:var(--navy)}
.post h1{font-size:clamp(2.2rem,5.4vw,3.6rem)}
.post h2{font-size:clamp(1.6rem,3.4vw,2.2rem);margin:44px 0 12px}
.post p,.post li{color:#394058;font-size:1.04rem;margin-bottom:14px}
.post ul,.post ol{padding-left:22px;margin-bottom:18px}
.post li{margin-bottom:8px}
.post strong{font-weight:500;color:var(--ink)}
.post p a,.post li a{color:var(--navy);font-weight:400;text-decoration:none;background:linear-gradient(var(--orange),var(--orange)) 0 100%/100% 1px no-repeat;padding-bottom:1px;transition:background-size .25s,color .25s}
.post p a:hover,.post li a:hover{color:var(--orange);background-size:100% 2px}
.tw{overflow-x:auto;margin:22px 0;background:var(--white);border:1px solid var(--line)}
table{width:100%;border-collapse:collapse;min-width:520px}
th,td{padding:16px 18px;text-align:left;border-bottom:1px solid var(--line);font-size:.95rem}
th{background:var(--navy);color:#fff;font-weight:500;font-size:.7rem;letter-spacing:.18em;text-transform:uppercase}
tr:last-child td{border-bottom:0}
.mini{font-size:.8rem!important;color:var(--muted)!important;border-top:1px solid var(--line);padding-top:16px;margin-top:36px}
.cta{background:var(--navy-d);color:#e9edf7;padding:38px 32px;margin:44px 0;border-top:3px solid var(--orange)}
.cta h3{color:#fff;font-size:2rem;margin:8px 0}
.cta p{color:#cfd7ea!important;margin-bottom:18px!important}
.rel h2{font-size:2.2rem;margin-top:20px}
.disc{background:#0b1530;color:#9aa6c4;padding:44px 0 26px;font-size:.76rem;line-height:1.8}
.disc strong{color:#dfe5f4;font-weight:500}
footer{background:#0e1a38;color:#9aa6c4;padding:30px 0;font-size:.76rem}
footer .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
footer a{color:#ffc58f}
.cta-bar{position:fixed;inset:auto 0 0 0;z-index:30;display:none;box-shadow:0 -6px 20px rgba(0,0,0,.15)}
.cta-bar a{flex:1;text-align:center;padding:16px;font-size:.76rem;letter-spacing:.18em;text-transform:uppercase;font-weight:500;color:#fff;background:var(--navy);text-decoration:none}
.cta-bar a:first-child{background:var(--orange)}
@media(max-width:860px){header nav,.hb{display:none}.grid{grid-template-columns:1fr}.cta-bar{display:flex}body{padding-bottom:52px}.post{padding-top:36px}.hero{padding-top:56px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}html{scroll-behavior:auto}}
.qa{background:#fff;border:1px solid var(--line);border-left:3px solid var(--orange);padding:18px 22px;margin:0 0 30px}
.qa strong{display:block;font-size:.7rem;letter-spacing:.24em;text-transform:uppercase;color:var(--orange);font-weight:500;margin-bottom:6px}
.qa p{margin-bottom:8px!important}
.qa span{font-size:.78rem;color:var(--muted)}