:root{--gold:#C19D3D;--gold-light:#D9BC6A;--gold-dark:#8A6A1C;--navy:#1A2531;--navy-deep:#121B24;--ink:#0C1218;--paper:#F7F6F3;--line:#E2DFD8;--muted:#5B6470;--white:#fff;--display:Montserrat,"Segoe UI",system-ui,sans-serif;--body:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;--wrap:1200px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:var(--body);color:var(--ink);background:var(--paper);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}a{color:inherit}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;background:#fff;padding:8px 12px;z-index:100}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.hdr{position:fixed;inset:0 0 auto 0;z-index:50;background:rgba(18,27,36,.92);backdrop-filter:blur(8px);border-bottom:1px solid rgba(255,255,255,.08)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:76px}
.hdr img{height:44px;width:auto}
.nav{display:flex;align-items:center;gap:28px}
.nav a{font-family:var(--display);font-weight:600;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:#fff;text-decoration:none}
.nav a:hover,.nav a[aria-current]{color:var(--gold-light)}
.btn{display:inline-block;font-family:var(--display);font-weight:600;font-size:13px;letter-spacing:.14em;text-transform:uppercase;text-decoration:none;padding:13px 20px;border-radius:2px;transition:.2s}
.btn--gold{background:var(--gold);color:#fff!important}.btn--gold:hover{background:var(--gold-dark)}
.btn--ghost{border:1px solid rgba(255,255,255,.6);color:#fff}.btn--ghost:hover{background:rgba(255,255,255,.1)}
.hero{position:relative;color:#fff;padding:150px 0 70px;background:var(--navy-deep) center/cover no-repeat}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(12,18,24,.88),rgba(12,18,24,.55))}
.hero .wrap{position:relative}
.crumbs{font-family:var(--display);font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.75);margin-bottom:28px}
.crumbs a{text-decoration:none;color:#fff}.crumbs span{margin:0 8px}
.eyebrow{display:flex;align-items:center;gap:14px;font-family:var(--display);font-weight:700;font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-light);margin:0 0 14px}
.eyebrow::before{content:"";width:32px;height:2px;background:var(--gold)}
h1,h2,h3{font-family:var(--display);font-weight:800;line-height:1.15;letter-spacing:-.01em}
.hero h1{font-size:clamp(32px,5vw,54px);margin:0 0 18px;max-width:900px}
.hero p{max-width:640px;font-size:18px;color:rgba(255,255,255,.88);margin:0}
.meta{margin-top:22px;font-size:14px;color:rgba(255,255,255,.7)}
.article{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding:64px 24px 80px}
.prose h2{font-size:26px;margin:44px 0 12px}.prose h3{font-size:19px;margin:0 0 8px}
.prose p{margin:0 0 18px}.prose ul,.prose ol{padding-left:22px;margin:0 0 20px}.prose li{margin-bottom:8px}
.prose .lead{font-size:20px;color:var(--navy);line-height:1.6}
.callout{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);padding:24px 26px;margin:36px 0;border-radius:2px}
.callout p{margin:0}
.faq{margin-top:56px;border-top:1px solid var(--line);padding-top:12px}
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{font-family:var(--display);font-weight:700;font-size:17px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::after{content:"+";color:var(--gold);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:12px 0 0;color:#2a333d}
.note{font-size:14px;color:var(--muted);margin-top:36px}
.side{position:sticky;top:110px;align-self:start;display:grid;gap:20px}
.card{background:var(--navy-deep);color:#fff;padding:28px;border-radius:2px}
.card h3{font-size:21px;margin:0 0 10px}.card p{font-size:15px;color:rgba(255,255,255,.82);margin:0 0 20px}
.card .btn{display:block;text-align:center;margin-bottom:10px}
.card small{display:block;margin-top:10px;font-size:12px;color:rgba(255,255,255,.6);letter-spacing:.04em}
.links{background:#fff;border:1px solid var(--line);padding:24px;border-radius:2px}
.links h4{font-family:var(--display);font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin:0 0 12px}
.links a{display:block;text-decoration:none;font-weight:600;padding:8px 0;border-bottom:1px solid var(--line)}
.links a:last-child{border-bottom:0}.links a:hover{color:var(--gold-dark)}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:28px;padding:64px 24px 90px}
.post{background:#fff;border:1px solid var(--line);border-radius:2px;text-decoration:none;display:flex;flex-direction:column;transition:.2s}
.post:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(12,18,24,.08)}
.post img{aspect-ratio:16/9;object-fit:cover;width:100%;height:auto}
.post div{padding:24px 24px 28px;display:flex;flex-direction:column;flex:1}
.post .eyebrow{color:var(--gold-dark);margin-bottom:10px}
.post h2{font-size:21px;margin:0 0 10px}.post p{margin:0 0 16px;color:var(--muted);font-size:15px;flex:1}
.post span.more{font-family:var(--display);font-weight:700;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-dark)}
.cta{background:var(--navy);color:#fff;text-align:center;padding:70px 24px}
.cta h2{font-size:clamp(26px,3.5vw,36px);margin:0 0 12px}.cta p{color:rgba(255,255,255,.82);margin:0 auto 26px;max-width:560px}
.cta .btn{margin:6px}
.ftr{background:var(--ink);color:rgba(255,255,255,.75);padding:60px 0 100px;font-size:15px}
.ftr .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px}
.ftr img{height:44px;width:auto;margin-bottom:16px}
.ftr h4{font-family:var(--display);color:#fff;font-size:13px;letter-spacing:.16em;text-transform:uppercase;margin:0 0 14px}
.ftr a{display:block;text-decoration:none;padding:4px 0}.ftr a:hover{color:var(--gold-light)}
.ftr .legal{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:22px;font-size:13px}
.callbar{display:none}
@media (max-width:960px){.article{grid-template-columns:1fr}.side{position:static}.ftr .cols{grid-template-columns:1fr 1fr}}
@media (max-width:760px){.nav a:not(.btn){display:none}.hdr .wrap{height:64px}.hdr img{height:36px}.hero{padding:120px 0 50px}
.wrap{padding:0 16px}.article,.grid{padding-left:16px;padding-right:16px}.ftr .cols{grid-template-columns:1fr}
.callbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;inset:auto 0 0 0;z-index:60}
.callbar a{text-align:center;padding:16px;font-family:var(--display);font-weight:700;font-size:13px;letter-spacing:.12em;text-transform:uppercase;text-decoration:none;color:#fff;background:var(--navy-deep)}
.callbar a+a{background:var(--gold)}}