:root{--navy:#0f2a47;--teal:#0e8a8a;--teal-soft:#e6f4f3;--ink:#1c2533;--muted:#5b6778;--line:#e3e8ef;--bg-alt:#f5f8fb}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Inter,system-ui,sans-serif;color:var(--ink);background:#fff;line-height:1.75;font-size:17px}
a{color:var(--teal)}
img{max-width:100%;display:block}
.wrap{max-width:780px;margin:0 auto;padding:0 20px}
header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:700;font-size:.95rem;line-height:1.3}
.brand img{width:40px;height:40px}
.brand small{display:block;font-weight:500;font-size:.75rem;color:var(--muted)}
.nav .cta{background:var(--teal);color:#fff;text-decoration:none;font-weight:600;font-size:.9rem;padding:9px 16px;border-radius:999px;white-space:nowrap}
.hero{background:linear-gradient(135deg,#eef6fb,#e3f3f1);padding:48px 0 36px}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted)}
.tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal);background:#fff;padding:4px 10px;border-radius:999px;margin-bottom:12px}
h1,h2,h3{font-family:"Source Serif 4",Georgia,serif;color:var(--navy);line-height:1.25}
h1{font-size:clamp(1.8rem,4.5vw,2.5rem);margin-bottom:14px}
.lead{font-size:1.1rem;color:var(--muted)}
.byline{display:flex;align-items:center;gap:12px;margin-top:22px;font-size:.9rem;color:var(--muted)}
.byline img{width:44px;height:44px;border-radius:50%;object-fit:cover;object-position:center top}
.byline strong{color:var(--ink);display:block}
article{padding:40px 0 24px}
article h2{font-size:1.45rem;margin:38px 0 12px}
article h3{font-size:1.15rem;margin:24px 0 8px}
article p{margin-bottom:14px}
article ul,article ol{margin:6px 0 16px 24px;display:grid;gap:6px}
.box{background:var(--teal-soft);border-radius:14px;padding:18px 22px;margin:20px 0}
.box h3{margin-top:0}
.alert{background:#fdecec;border-left:4px solid #c53030;border-radius:10px;padding:16px 20px;margin:24px 0}
.alert strong{color:#9b2c2c}
table{width:100%;border-collapse:collapse;margin:14px 0 22px;font-size:.93rem}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--bg-alt);color:var(--navy);font-weight:600}
.table-wrap{overflow-x:auto}
.cta-box{background:var(--navy);color:#fff;border-radius:18px;padding:28px;margin:36px 0 10px;text-align:center}
.cta-box h2{color:#fff;margin:0 0 8px;font-size:1.35rem}
.cta-box p{color:#c9d6e6;margin-bottom:18px}
.cta-box .btns{display:flex;gap:10px;justify-content:center;flex-wrap:wrap}
.cta-box a{display:inline-block;text-decoration:none;font-weight:600;padding:12px 22px;border-radius:999px}
.cta-box .b1{background:var(--teal);color:#fff}
.cta-box .b2{background:#fff;color:var(--navy)}
.sources{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);padding-top:18px;margin-top:30px}
.sources ul{margin-left:18px}
.disclaimer{font-size:.85rem;color:var(--muted);font-style:italic;margin-top:12px}
.related{background:var(--bg-alt);padding:36px 0;margin-top:30px}
.related h2{font-size:1.2rem;margin-bottom:14px}
.related ul{list-style:none;display:grid;gap:10px}
.related a{font-weight:600;text-decoration:none}
footer{border-top:1px solid var(--line);padding:22px 0;font-size:.85rem;color:var(--muted)}
footer a{color:var(--muted)}
@media (max-width:560px){.nav .cta{padding:8px 12px;font-size:.82rem}.brand small{display:none}}