:root{--ink:#172033;--muted:#5e687a;--paper:#fbfcfe;--card:#fff;--line:#e6eaf0;--brand:#176b72;--brand2:#284b8f;--soft:#edf7f6;--warn:#fff8e8;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.68}
a{color:var(--brand2)}.wrap{max-width:var(--max);margin:auto;padding:0 22px}.top{background:#11212d;color:#eaf7f6;font-size:.9rem;padding:8px 0}.top a{color:white}
header{background:white;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:70px}.brand{font-weight:850;text-decoration:none;color:var(--ink);letter-spacing:-.02em}.brand span{color:var(--brand)}
nav{display:flex;gap:18px;flex-wrap:wrap}nav a{text-decoration:none;color:var(--ink);font-size:.94rem;font-weight:650}
.hero{padding:64px 0 42px;background:linear-gradient(135deg,#edf7f6 0%,#f7f9ff 70%)}.eyebrow{font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:var(--brand)}h1{font-size:clamp(2.2rem,5vw,4.4rem);line-height:1.03;letter-spacing:-.045em;margin:.25em 0}.hero p{font-size:1.15rem;color:var(--muted);max-width:760px}
main{padding:42px 0 70px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 8px 30px rgba(20,35,60,.04)}.card h2,.card h3{margin-top:0}.card a{text-decoration:none;font-weight:750}
.article{max-width:800px}.article h1{font-size:clamp(2.1rem,4vw,3.4rem)}.article h2{margin-top:2.2em;line-height:1.2}.article h3{margin-top:1.6em}.article p,.article li{font-size:1.04rem}.note,.disclosure{border-left:4px solid var(--brand);background:var(--soft);padding:16px 18px;border-radius:8px;margin:22px 0}.warning{border-left-color:#bd7a00;background:var(--warn)}
.cta{background:#102a31;color:white;padding:28px;border-radius:18px;margin:30px 0}.cta h2{margin:0 0 8px}.cta p{color:#d8ecea}.btn{display:inline-block;background:#fff;color:#0f5359!important;text-decoration:none;padding:13px 18px;border-radius:10px;font-weight:850;margin-top:6px}.small{font-size:.88rem;color:var(--muted)}
.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:18px}.breadcrumbs a{text-decoration:none}.toc{background:white;border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:22px 0}.toc a{text-decoration:none}
table{width:100%;border-collapse:collapse;margin:22px 0;background:white}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{background:#f2f6f8}
footer{background:#11212d;color:#cbd6dc;padding:44px 0}footer a{color:white}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
@media(max-width:800px){.grid{grid-template-columns:1fr}.nav{align-items:flex-start;padding:15px 0;flex-direction:column}header{position:static}nav{padding-bottom:8px}.foot{grid-template-columns:1fr}.hero{padding-top:42px}}