:root{
  --ink:#0f2540;--ink-soft:#33475b;--teal:#12897a;--teal-dark:#0e6e62;
  --teal-lite:#57c9b6;--cream:#f7f4ee;--cream-2:#efe9df;--line:#e3dcd0;--white:#ffffff;
  --radius:14px;--shadow:0 12px 34px rgba(15,37,64,.10);--wrap:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3{line-height:1.2;font-weight:800;letter-spacing:-.02em;color:var(--ink)}
h1{font-size:clamp(2rem,4.4vw,2.9rem);margin:0 0 .4em}
h2{font-size:clamp(1.35rem,2.6vw,1.8rem);margin:2.2em 0 .5em}
h3{font-size:1.15rem;font-weight:700;margin:1.5em 0 .3em}
p{margin:0 0 1.05rem}
a{color:var(--teal-dark);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
.btn{display:inline-block;font-weight:700;font-size:1rem;padding:.9rem 1.6rem;border-radius:999px;cursor:pointer;border:2px solid transparent;transition:.15s ease}
.btn-primary{background:var(--teal);color:#fff}
.btn-primary:hover{background:var(--teal-dark);text-decoration:none}
.btn-lg{padding:1.05rem 2rem;font-size:1.08rem}

header.site{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:.6rem}
.brand .logo{width:37px;height:37px;flex:none}
.wordmark{display:flex;flex-direction:column;line-height:1.06}
.wordmark .wm1{font-size:.6rem;font-weight:700;letter-spacing:.17em;text-transform:uppercase;color:var(--ink-soft)}
.wordmark .wm2{font-size:1.14rem;font-weight:800;letter-spacing:-.01em;color:var(--ink)}
.wordmark .wm2 b{color:var(--teal)}
.nav-links{display:flex;gap:1.4rem}
.nav-links a{color:var(--ink-soft);font-weight:600;font-size:.96rem}
.nav-right{display:flex;align-items:center;gap:1.2rem}

.hero-lite{background:linear-gradient(180deg,#fbfaf6,var(--cream));padding:52px 0 40px;border-bottom:1px solid var(--line)}
.crumb{font-size:.82rem;color:var(--ink-soft);margin-bottom:1rem}
.lede{font-size:1.2rem;color:var(--ink-soft);max-width:40em}
.updated{font-size:.82rem;color:var(--ink-soft);margin-top:1rem}

.article{padding:44px 0 10px}
.prose{max-width:44em;margin:0 auto;font-size:1.05rem}
.prose p, .prose li{color:#25384c}
.prose ul,.prose ol{padding-left:1.2rem;margin:0 0 1.1rem}
.prose li{margin-bottom:.5rem}
.answer{background:var(--cream);border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:10px;padding:18px 20px;margin:0 0 1.6rem;font-size:1.08rem}
.answer strong{color:var(--ink)}
.callout{background:var(--cream);border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:10px;padding:18px 20px;margin:1.4rem 0}
.callout.warn{border-left-color:#c0662f;background:#fbf1ea}
.callout p:last-child{margin-bottom:0}
.callout strong{color:var(--ink)}

.faq{border-top:1px solid var(--line);margin-top:1rem}
.faq details{border-bottom:1px solid var(--line);padding:.4rem 0}
.faq summary{cursor:pointer;font-weight:700;font-size:1.05rem;padding:.7rem 0;list-style:none;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--teal);font-weight:800}
.faq details[open] summary::after{content:"\2212"}
.faq p{color:#25384c;margin:.2rem 0 1rem}

.related{max-width:var(--wrap);margin:8px auto 0;padding:0 22px}
.related h2{margin-bottom:.6rem}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.related-card{border:1px solid var(--line);border-radius:12px;padding:18px 20px;background:#fff;transition:.15s ease}
.related-card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.related-card a{font-weight:700;color:var(--ink);font-size:1.02rem}
.related-card a:hover{color:var(--teal-dark);text-decoration:none}
.related-card p{margin:.35rem 0 0;font-size:.92rem;color:var(--ink-soft)}

.ctaband{background:linear-gradient(135deg,var(--teal-dark),var(--ink));color:#fff;text-align:center;padding:60px 0;margin-top:44px}
.ctaband h2{color:#fff;margin-top:0}
.ctaband p{color:#d7e6e6;max-width:36em;margin:0 auto 1.6rem;font-size:1.1rem}
.ctaband .btn-primary{background:#fff;color:var(--ink)}

.disclosure{background:var(--cream-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.disclosure .wrap{padding:13px 22px;font-size:.82rem;color:var(--ink-soft);text-align:center;line-height:1.5}

footer.site{background:#0b1c30;color:#9fb3c4;padding:46px 0 34px;font-size:.9rem}
footer.site .legal{max-width:var(--wrap);margin:0 auto;padding:0 22px;font-size:.8rem;color:#7f95a8;line-height:1.6}
footer.site .legal p{margin:0 0 .7rem}
footer.site a{color:#c4d3e0}

@media(max-width:900px){
  .related-grid{grid-template-columns:1fr}
  .nav-links{display:none}
}