:root{
  --ink:#14213d;--ink-2:#3d4a63;--muted:#66728a;--line:#e3e7ef;--bg:#ffffff;--soft:#f5f7fb;
  --brand:#0f5c8c;--brand-2:#0b4a72;--accent:#13a383;--accent-soft:#e7f6f2;--warn-soft:#fff7e6;
  --radius:12px;--max:1120px;--read:720px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:var(--brand)}
a:hover{color:var(--brand-2)}
img{max-width:100%;height:auto}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px;z-index:10}
.muted{color:var(--muted)}.small{font-size:.85rem}

/* Header */
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px;flex-wrap:wrap}
.logo{display:inline-flex;align-items:center;gap:8px;font-size:1.25rem;color:var(--ink);text-decoration:none;letter-spacing:-.01em}
.logo strong{color:var(--brand)}
.logo-mark{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:8px;background:var(--brand);color:#fff;font-weight:800;font-size:1rem}
.main-nav{display:flex;gap:4px;flex-wrap:wrap}
.main-nav a{color:var(--ink-2);text-decoration:none;font-size:.95rem;padding:8px 10px;border-radius:8px}
.main-nav a:hover{background:var(--soft);color:var(--ink)}

/* Buttons */
.btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;padding:12px 20px;border-radius:10px;font-weight:600}
.btn:hover{background:var(--brand-2);color:#fff}
.btn-ghost{background:transparent;color:var(--brand);border:1px solid var(--line)}
.btn-ghost:hover{background:var(--soft);color:var(--brand-2)}

/* Hero */
.hero{background:linear-gradient(180deg,#eef4fa 0%,#fff 100%);border-bottom:1px solid var(--line)}
.hero-inner{display:grid;grid-template-columns:1.6fr 1fr;gap:40px;align-items:center;padding:56px 20px}
.eyebrow{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--accent);font-weight:700;margin:0 0 10px}
.hero h1{font-size:clamp(2rem,4vw,2.8rem);line-height:1.15;margin:0 0 16px;letter-spacing:-.02em}
.hero h1 em{font-style:normal;color:var(--brand)}
.lede{font-size:1.12rem;color:var(--ink-2);margin:0 0 20px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.hero-points{list-style:none;margin:0;padding:24px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);display:grid;gap:14px}
.hero-points li{color:var(--ink-2)}
.hero-points strong{font-size:1.6rem;color:var(--brand);margin-right:6px}

/* Sections & cards */
.home-section{padding:40px 0 8px}
.section-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap}
.section-head h2{margin:0 0 16px;font-size:1.6rem}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px;margin-bottom:24px}
.card{display:flex;flex-direction:column;gap:6px;padding:20px;border:1px solid var(--line);border-radius:var(--radius);text-decoration:none;color:var(--ink);background:#fff;transition:border-color .15s,box-shadow .15s}
.card:hover{border-color:#bcd0e3;box-shadow:0 6px 20px rgba(20,33,61,.07);color:var(--ink)}
.card-tag{font-size:.72rem;text-transform:uppercase;letter-spacing:.07em;color:var(--accent);font-weight:700}
.card-title{font-weight:700;font-size:1.08rem;line-height:1.3}
.card-desc{color:var(--muted);font-size:.93rem;line-height:1.5}
.why{padding-bottom:48px}
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.why-grid h3{margin:0 0 6px;font-size:1.08rem}
.why-grid p{margin:0;color:var(--ink-2)}
.hub-hero{background:var(--soft);border-bottom:1px solid var(--line);padding:32px 0 20px;margin-bottom:28px}
.hub-hero h1{margin:6px 0 8px;font-size:2.1rem}

/* Article */
.article-wrap{padding-top:24px;padding-bottom:48px}
.breadcrumb{font-size:.88rem;color:var(--muted)}
.breadcrumb a{color:var(--muted);text-decoration:none}
.breadcrumb a:hover{text-decoration:underline}
.breadcrumb span{margin:0 4px}
.article{max-width:var(--read);margin:0 auto}
.article-head h1{font-size:clamp(1.8rem,3.6vw,2.4rem);line-height:1.2;margin:12px 0 12px;letter-spacing:-.015em}
.byline{font-size:.9rem;color:var(--muted);margin:0 0 24px}
.takeaways{background:var(--accent-soft);border-radius:var(--radius);padding:18px 22px;margin:0 0 20px}
.toc{border:1px solid var(--line);border-radius:var(--radius);padding:16px 22px;margin:0 0 28px}
.box-title{font-weight:700;margin:0 0 6px}
.takeaways ul,.toc ol{margin:0;padding-left:20px}
.toc li{margin:3px 0}
.toc a{text-decoration:none}
.prose h2{font-size:1.5rem;margin:40px 0 12px;line-height:1.3;scroll-margin-top:80px}
.prose h3{font-size:1.15rem;margin:28px 0 8px}
.prose p,.prose ul,.prose ol{margin:0 0 16px}
.prose li{margin:4px 0}
.prose table{width:100%;border-collapse:collapse;margin:0 0 20px;font-size:.95rem;display:block;overflow-x:auto}
.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--soft)}
.prose .callout{background:var(--warn-soft);border-left:4px solid #f0b429;padding:14px 18px;border-radius:8px;margin:0 0 20px}
.prose details{border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:0 0 10px}
.prose summary{font-weight:600;cursor:pointer}
.note{background:var(--soft);border-radius:var(--radius);padding:16px 20px;font-size:.92rem;color:var(--ink-2);margin-top:36px}
.related{max-width:var(--read);margin:40px auto 0}
.related h2{font-size:1.3rem}
.related .cards{grid-template-columns:repeat(auto-fill,minmax(210px,1fr))}

/* Footer */
.site-footer{background:#0f1a30;color:#c9d2e3;padding:40px 0 20px;margin-top:24px}
.site-footer a{color:#c9d2e3;text-decoration:none;display:block;margin:4px 0}
.site-footer a:hover{color:#fff}
.site-footer .muted{color:#97a3bb}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}
.footer-logo{color:#fff;margin:0 0 8px}
.footer-logo strong{color:#7cc4f2}
.footer-head{color:#fff;font-weight:700;margin:0 0 8px}
.copyright{border-top:1px solid #24314d;margin-top:28px;padding-top:16px;font-size:.85rem;color:#97a3bb}

@media (max-width:820px){
  .hero-inner{grid-template-columns:1fr;padding:36px 20px}
  .why-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .site-header{position:static}
  body{font-size:16.5px}
}