:root{
  --bg:#f6f7fb;
  --card:#ffffff;
  --ink:#14213d;
  --muted:#5d6b82;
  --gold:#d49b1d;
  --gold-2:#f4c14b;
  --line:#dde3ee;
  --accent:#eef3fb;
  --shadow:0 14px 36px rgba(17,29,56,.08);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 Inter,Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg)}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%;height:auto}
.wrap{width:min(1180px,calc(100% - 36px));margin:0 auto}
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.navrow{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:18px 0}
.brand{display:flex;align-items:center;gap:14px;min-width:0}
.mark{width:58px;height:58px;border-radius:18px;background:linear-gradient(135deg,#112d58,#26457d);color:var(--gold-2);display:grid;place-items:center;font-size:28px;box-shadow:var(--shadow);flex:0 0 auto}
.brandcopy{display:flex;flex-direction:column;line-height:1.15;min-width:0}
.brandcopy strong{font-family:Georgia,serif;font-size:20px}
.brandcopy span{font-size:18px;font-weight:800;color:#af7700;letter-spacing:.03em}
.brandcopy small{font-size:13px;color:var(--muted);margin-top:6px}
.menu{display:flex;align-items:center;flex-wrap:wrap;gap:20px;font-weight:700}
.menu a{padding:4px 0;position:relative;color:#1b2a46}
.menu a.active,.menu a:hover{color:#af7700}
.menu a.active:after,.menu a:hover:after{content:"";position:absolute;left:0;right:0;bottom:-10px;height:3px;background:var(--gold);border-radius:999px}
.hero{padding:54px 0 24px}
.hero-shell{background:linear-gradient(135deg,#10284d 0%,#203e72 55%,#15335f 100%);color:#fff;border-radius:34px;padding:52px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.hero-shell:before{content:"";position:absolute;inset:auto -120px -120px auto;width:360px;height:360px;border-radius:50%;background:rgba(255,255,255,.07)}
.hero-shell:after{content:"";position:absolute;inset:-80px auto auto -100px;width:320px;height:320px;border-radius:50%;background:rgba(244,193,75,.11)}
.hero-grid{display:grid;grid-template-columns:1.55fr .9fr;gap:34px;align-items:center;position:relative;z-index:1}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;letter-spacing:.18em;text-transform:uppercase;padding:8px 14px;border-radius:999px;background:rgba(255,255,255,.11);border:1px solid rgba(255,255,255,.18)}
.hero h1{font-family:Georgia,serif;font-size:clamp(42px,6vw,70px);line-height:.97;margin:18px 0 16px;max-width:11ch}
.hero h1 em{color:var(--gold-2);font-style:normal}
.hero p{font-size:19px;max-width:58ch;color:#e8eef8}
.actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:26px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 22px;border-radius:14px;font-weight:800;transition:.2s ease;border:1px solid rgba(255,255,255,.2)}
.btn.gold{background:var(--gold-2);color:#10284d;border-color:var(--gold-2)}
.btn.light{background:rgba(255,255,255,.1);color:#fff}
.btn:hover{transform:translateY(-1px)}
.hero-box{background:rgba(0,0,0,.14);border:1px solid rgba(255,255,255,.17);padding:26px;border-radius:24px;backdrop-filter:blur(6px)}
.hero-box h3{margin:0 0 12px;font-size:24px;font-family:Georgia,serif}
.check{display:grid;gap:12px}
.check div{padding-left:28px;position:relative;color:#f2f5fb}
.check div:before{content:"✓";position:absolute;left:0;top:0;color:var(--gold-2);font-weight:900}
.section{padding:24px 0 26px}
.heading{display:flex;align-items:end;justify-content:space-between;gap:18px;margin-bottom:18px}
.heading h2{margin:0;font-family:Georgia,serif;font-size:42px;line-height:1}
.heading p{margin:0;max-width:66ch;color:var(--muted)}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.stat{background:#fff;border:1px solid var(--line);padding:22px;border-radius:20px;box-shadow:var(--shadow)}
.stat strong{display:block;font-size:20px;margin-bottom:6px}
.stat p{margin:0;color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:var(--card);border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card img{width:100%;aspect-ratio:4/3;object-fit:cover;background:#d8dde8}
.card-body{padding:22px;display:flex;flex-direction:column;gap:12px;flex:1}
.kicker{display:inline-flex;align-self:flex-start;padding:7px 12px;border-radius:999px;background:var(--accent);color:#29476f;font-size:12px;font-weight:800;letter-spacing:.04em;text-transform:uppercase}
.card h3{margin:0;font-family:Georgia,serif;font-size:30px;line-height:1.12}
.card p{margin:0;color:var(--muted)}
.read{margin-top:auto;font-weight:800;color:#a66f00;display:inline-flex;gap:8px;align-items:center}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.text-panels{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.panel{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px;box-shadow:var(--shadow)}
.panel h3{margin:0 0 8px;font-size:22px;font-family:Georgia,serif}
.panel p,.panel li{color:var(--muted)}
.panel ul{padding-left:18px;margin:8px 0 0}
.callout{background:linear-gradient(135deg,#10284d,#1f3c6d);color:#fff;border-radius:28px;padding:30px;box-shadow:var(--shadow)}
.callout p{color:#d9e3f7}
.footer{margin-top:18px;background:#0e1f3a;color:#dce6fb;padding:38px 0}
.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
.footer h4{margin:0 0 12px;color:#fff;font-family:Georgia,serif;font-size:24px}
.footer p,.footer li{color:#c7d4ee}
.footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.footer .sponsor a{color:#fff;text-decoration:underline}
.breadcrumbs{font-size:14px;color:var(--muted);margin:18px 0 14px}
.article-hero{display:grid;grid-template-columns:minmax(0,1.15fr) 370px;gap:24px;align-items:start}
.article-cover,.sidebox{background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}
.article-cover img{width:100%;aspect-ratio:16/9;object-fit:cover}
.article-copy{padding:26px}
.article-copy h1{margin:12px 0 12px;font-family:Georgia,serif;font-size:clamp(38px,4vw,58px);line-height:.98}
.meta{display:flex;flex-wrap:wrap;gap:10px;font-size:14px;color:var(--muted)}
.article-main{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:24px;align-items:start;margin-top:24px}
.prose,.sidebox{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:var(--shadow)}
.prose h2{font-family:Georgia,serif;font-size:34px;line-height:1.08;margin:28px 0 12px}
.prose h3{font-family:Georgia,serif;font-size:24px;margin:22px 0 10px}
.prose p,.prose li{color:#32435f}
.prose ul,.prose ol{padding-left:22px}
.note{padding:18px;border-radius:18px;background:#f7f2e5;border:1px solid #f0ddb3;color:#5d4a18}
.tablelist{display:grid;gap:12px}
.tablelist a{padding:12px 14px;border-radius:14px;background:var(--bg);border:1px solid var(--line);font-weight:700}
.aboutbox{background:#fff;border:1px solid var(--line);padding:26px;border-radius:22px;box-shadow:var(--shadow)}
.blog-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.simple-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.simple-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px;box-shadow:var(--shadow)}
.simple-card h3{margin:0 0 8px;font-size:22px;font-family:Georgia,serif}
.simple-card p{margin:0;color:var(--muted)}
@media (max-width:1080px){.cards,.text-panels,.stats,.footergrid,.blog-grid,.simple-grid{grid-template-columns:1fr 1fr}.hero-grid,.article-hero,.article-main,.grid-2{grid-template-columns:1fr}}
@media (max-width:720px){.wrap{width:min(100% - 24px,1180px)}.navrow{align-items:flex-start;flex-direction:column}.menu{gap:14px}.hero-shell{padding:30px 22px;border-radius:26px}.heading{flex-direction:column;align-items:flex-start}.cards,.text-panels,.stats,.blog-grid,.simple-grid{grid-template-columns:1fr}.card h3{font-size:26px}.article-copy h1{font-size:38px}.footergrid{grid-template-columns:1fr}}