:root{
  --navy:#0f2a44;
  --navy-dark:#0a1c30;
  --teal:#0f9488;
  --teal-light:#e6f6f4;
  --bg:#f6f8fa;
  --card:#ffffff;
  --text:#2f3d4f;
  --text-light:#66788e;
  --border:#e3e9ef;
  --danger:#b3261e;
  --danger-bg:#fdecea;
  --danger-border:#f3c6c2;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:var(--bg);line-height:1.7}
h1,h2,h3,.brand-name{font-family:Lora,Georgia,serif}
a{color:inherit}
.disclaimer-strip{background:#fff8e6;border-bottom:1px solid #f2e3ab;color:#6b5a12;font-size:.82rem;padding:10px 24px;text-align:center}
.site-header{background:var(--navy-dark);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(0,0,0,.12)}
.header-inner{max-width:1180px;margin:0 auto;padding:14px 24px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{text-decoration:none;color:#fff;display:block}
.brand-name{display:block;font-size:1.05rem;font-weight:700}
.brand-sub{display:block;font-size:.72rem;color:#9fb3c8;font-weight:600;letter-spacing:.5px;text-transform:uppercase}
.main-nav{display:flex;align-items:center;gap:4px}
.main-nav a{color:#dbe6f0;text-decoration:none;font-size:.88rem;font-weight:600;padding:8px 12px;border-radius:6px;white-space:nowrap}
.main-nav a:hover,.main-nav a.active{background:var(--teal);color:#fff}
.menu-toggle{display:none;background:transparent;border:0;color:#fff;font-size:1.5rem;cursor:pointer}
.hero{background:linear-gradient(135deg,var(--navy) 0%,#123a5c 58%,var(--teal) 160%);color:#fff;padding:64px 24px 78px}
.hero-inner{max-width:900px;margin:0 auto}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:#bfe9e2;background:rgba(255,255,255,.08);padding:6px 14px;border-radius:999px;margin-bottom:20px}
.hero h1{font-size:clamp(2rem,4vw,2.65rem);line-height:1.18;margin:0 0 16px;font-weight:700}
.hero .lead{font-size:1.08rem;color:#d7e4ef;max-width:720px;margin:0}
.wrap{max-width:930px;margin:-40px auto 0;padding:0 24px 80px;position:relative}
.panel{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:34px clamp(20px,4vw,48px);margin-bottom:28px;box-shadow:0 10px 30px rgba(15,42,68,.05)}
.top-warning{background:var(--danger-bg);border:1px solid var(--danger-border);border-left:4px solid var(--danger);border-radius:10px;padding:18px 22px;margin-bottom:28px}
.top-warning strong{display:block;color:var(--danger);margin-bottom:4px}
.toc{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;list-style:none;margin:0;padding:0}
.toc a{display:block;text-decoration:none;color:var(--navy);background:var(--teal-light);border:1px solid #cfe9e5;padding:10px 14px;border-radius:8px;font-size:.9rem;font-weight:600}
.toc a:hover{background:#d7f0ec}
.chapter{scroll-margin-top:92px;margin-bottom:46px}
.chapter:last-child{margin-bottom:0}
.chapter-kicker{font-size:.78rem;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:var(--teal);margin-bottom:6px}
.chapter h2{font-size:1.5rem;color:var(--navy);line-height:1.25;margin:0 0 16px;padding-bottom:14px;border-bottom:2px solid var(--teal-light)}
.chapter h3{font-size:1.08rem;color:var(--navy-dark);margin:24px 0 10px}
.chapter p{margin:0 0 14px}
.chapter ul,.chapter ol{padding-left:21px;margin:0 0 16px}
.chapter li{margin-bottom:6px}
.source-note{font-size:.86rem;color:var(--text-light);margin-top:18px}
.callout{border-radius:10px;padding:18px 20px;margin:18px 0;font-size:.94rem;border:1px solid #cfe9e5;background:var(--teal-light)}
.back-to-top{display:inline-block;margin-top:8px;font-size:.85rem;color:var(--teal);text-decoration:none;font-weight:700}
.article-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px;margin-top:20px}
.article-card{display:block;text-decoration:none;color:inherit;background:#fff;border:1px solid var(--border);border-radius:14px;overflow:hidden;box-shadow:0 10px 25px rgba(15,42,68,.06);transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease}
.article-card:hover{transform:translateY(-2px);border-color:#b8ddd8;box-shadow:0 16px 34px rgba(15,42,68,.1)}
.art-cover{height:132px;display:flex;align-items:center;justify-content:center;font-size:2.45rem;color:#fff;background:linear-gradient(135deg,var(--navy),var(--teal))}
.art-cover.c1{background:linear-gradient(135deg,#0f2a44,#0f9488)}
.art-cover.c2{background:linear-gradient(135deg,#123a5c,#57b8ac)}
.art-cover.c3{background:linear-gradient(135deg,#263f5f,#7997b8)}
.art-cover.c4{background:linear-gradient(135deg,#0f9488,#85d5ca)}
.art-cover.c5{background:linear-gradient(135deg,#4f6d7a,#9bb7d6)}
.art-cover.c6{background:linear-gradient(135deg,#6b3f5f,#c58aa7)}
.art-cover.c7{background:linear-gradient(135deg,#674a2f,#d4a05f)}
.art-cover.c8{background:linear-gradient(135deg,#2f5d55,#9fcfbd)}
.art-body{padding:20px 20px 22px}
.art-tag{display:inline-flex;margin-bottom:10px;color:var(--teal);background:var(--teal-light);border:1px solid #cfe9e5;border-radius:999px;padding:4px 10px;font-size:.74rem;font-weight:800;letter-spacing:.3px;text-transform:uppercase}
.art-body h3{margin:0 0 10px;color:var(--navy);font-size:1.12rem;line-height:1.35}
.art-body p{margin:0 0 14px;color:var(--text-light);font-size:.92rem;line-height:1.58}
.art-cta{display:inline-flex;color:var(--navy);font-size:.9rem;font-weight:800}
.tools-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.tools-row a,.tools-row button{border:1px solid #cfe9e5;background:var(--teal-light);color:var(--navy);border-radius:8px;padding:9px 13px;text-decoration:none;font-weight:700;font-size:.88rem;cursor:pointer}
footer.site-footer{background:var(--navy-dark);color:#b9c8d8;padding:42px 24px 24px;font-size:.88rem}
.footer-inner{max-width:1180px;margin:0 auto;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.footer-inner h5{color:#fff;margin:0 0 10px;text-transform:uppercase;letter-spacing:.5px;font-size:.82rem}
.footer-inner a{display:block;color:#b9c8d8;text-decoration:none;margin-bottom:7px}
.footer-bottom{max-width:1180px;margin:28px auto 0;padding-top:18px;border-top:1px solid rgba(255,255,255,.08);font-size:.8rem;color:#7f92a6}
@media (max-width:980px){
  .main-nav{position:fixed;top:70px;left:0;right:0;background:var(--navy-dark);display:none;flex-direction:column;align-items:stretch;padding:8px 16px 20px;max-height:calc(100vh - 70px);overflow:auto}
  .main-nav.open{display:flex}
  .main-nav a{padding:12px 10px;border-bottom:1px solid rgba(255,255,255,.06)}
  .menu-toggle{display:block}
  .brand-sub{display:none}
}
@media (max-width:640px){
  .hero{padding:42px 20px 68px}
  .wrap{padding:0 16px 60px}
  .toc{grid-template-columns:1fr}
}
@media print{
  .site-header,.disclaimer-strip,.tools-row,.back-to-top{display:none}
  .wrap{margin:0;max-width:none;padding:0}
  .panel{box-shadow:none;border:0;break-inside:avoid}
}