:root{
  --ink:#101624;--muted:#596174;--paper:#fbfaf7;--card:#ffffff;--line:#e7e1d7;
  --gold:#f1b90b;--gold2:#ffd75e;--btc:#f7931a;--navy:#111827;--green:#176b45;
  --max:1180px;--radius:18px;--shadow:0 10px 30px rgba(16,22,36,.08);
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65}
a{color:#9a5b00;text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:#6f4100}
.wrap{width:min(var(--max),calc(100% - 32px));margin:auto}
.topnote{background:#0d1422;color:#dce3ef;font-size:.82rem;padding:8px 0;text-align:center}
.site-header{position:sticky;top:0;z-index:30;background:rgba(251,250,247,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.header-row{height:72px;display:flex;align-items:center;gap:24px}.brand{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:850;text-decoration:none;white-space:nowrap}.brand-mark{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--btc);font-weight:900;color:white;font-size:1.2rem}
.nav{display:flex;gap:20px;margin-left:auto;align-items:center}.nav a{color:var(--ink);font-weight:700;font-size:.92rem;text-decoration:none}.nav a:hover{color:#9a5b00}
.btn{display:inline-flex;justify-content:center;align-items:center;gap:8px;border-radius:999px;padding:12px 18px;font-weight:850;text-decoration:none;border:1px solid transparent;line-height:1.1;cursor:pointer}
.btn-primary{background:linear-gradient(135deg,var(--gold2),var(--gold));color:#241700;box-shadow:0 6px 16px rgba(241,185,11,.25)}.btn-primary:hover{color:#241700;filter:brightness(.97)}
.btn-dark{background:var(--navy);color:#fff}.btn-dark:hover{color:#fff}
.menu-btn{display:none;margin-left:auto;background:none;border:0;font-size:1.4rem}
.hero{padding:64px 0 50px;background:radial-gradient(circle at 85% 10%,rgba(247,147,26,.16),transparent 32%)}
.hero-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:44px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-weight:900;font-size:.74rem;color:#975e09}
h1,h2,h3{line-height:1.15;letter-spacing:-.025em}h1{font-size:clamp(2.3rem,5vw,4.6rem);margin:.18em 0 .28em}h2{font-size:clamp(1.65rem,3vw,2.35rem);margin:1.35em 0 .45em}h3{font-size:1.2rem;margin:1.4em 0 .4em}
.lede{font-size:1.16rem;color:#424b5f;max-width:760px}.hero-card,.card,.cta-box,.side-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.hero-card{padding:24px}.stat{display:flex;justify-content:space-between;border-bottom:1px solid var(--line);padding:11px 0}.stat:last-child{border:0}
.section{padding:58px 0}.section.alt{background:#f4f1ea}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.card{padding:24px}.card h3{margin-top:0}.card p{color:var(--muted)}
.kicker{font-weight:850;color:#7c4c00;font-size:.82rem;text-transform:uppercase;letter-spacing:.1em}
.breadcrumb{font-size:.86rem;color:#747b8a;padding:18px 0 0}.breadcrumb a{color:#5f6675}
.article-shell{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:44px;align-items:start;padding:28px 0 72px}
.article h1{font-size:clamp(2.2rem,4.6vw,4rem)}.article .dek{font-size:1.16rem;color:#4e5668;border-left:4px solid var(--btc);padding-left:18px}
.article p,.article li{font-size:1.02rem}.article ul,.article ol{padding-left:1.25rem}
.meta{display:flex;gap:12px;flex-wrap:wrap;color:#687084;font-size:.84rem;margin:15px 0 26px}.pill{padding:5px 10px;border:1px solid var(--line);border-radius:999px;background:#fff}
.callout{border-left:4px solid var(--btc);background:#fff7e9;padding:16px 18px;margin:22px 0;border-radius:0 12px 12px 0}.warning{border-left-color:#ba2d2d;background:#fff1f1}
.cta-box{padding:24px;margin:28px 0;background:linear-gradient(145deg,#fff,#fff8e2)}.cta-box h3{margin-top:0}.cta-box small{display:block;margin-top:12px;color:#6b7280}
.sidebar{position:sticky;top:102px}.side-card{padding:22px;margin-bottom:18px}.side-card h3{margin-top:0}.side-card ul{padding-left:1.1rem}.side-card li{margin:.55rem 0}.side-card .btn{width:100%}
table{width:100%;border-collapse:collapse;margin:22px 0;background:#fff;border-radius:14px;overflow:hidden;border:1px solid var(--line)}th,td{padding:13px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}th{background:#f6f2e8}tr:last-child td{border-bottom:0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:10px 0}.faq summary{font-weight:850;cursor:pointer}
.hub-head{padding:50px 0 30px}.hub-head h1{max-width:850px}.hub-list{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.hub-list .card a{font-weight:850}
.site-footer{background:#101624;color:#c8cfdb;padding:48px 0 90px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:34px}.site-footer a{color:#f6d777}.site-footer h3{color:white}
.mobile-cta{display:none}
.disclosure{font-size:.84rem;color:#737b8c}
hr{border:0;border-top:1px solid var(--line);margin:34px 0}
@media(max-width:900px){
 .nav{display:none;position:absolute;left:0;right:0;top:72px;background:var(--paper);padding:18px 20px;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}.nav.open{display:flex}.menu-btn{display:block}.header-row>.btn{display:none}
 .hero-grid,.article-shell,.grid-3,.grid-2,.footer-grid,.hub-list{grid-template-columns:1fr}.sidebar{position:static}.hero{padding-top:40px}
 .mobile-cta{display:flex;position:fixed;z-index:35;left:12px;right:12px;bottom:12px}.mobile-cta .btn{width:100%;box-shadow:0 10px 25px rgba(0,0,0,.25)}
}