:root{--ink:#172033;--muted:#5f6b7a;--bg:#f6f8fc;--card:#fff;--line:#dfe5ee;--accent:#2457e6;--accent2:#e9efff}
*{box-sizing:border-box}body{margin:0;font:17px/1.72 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--accent)}header{background:#111a2e;color:white} .wrap{max-width:1180px;margin:auto;padding:0 24px}
.top{display:flex;justify-content:space-between;align-items:center;padding:18px 0;gap:20px}.brand{font-weight:800;font-size:22px;color:white;text-decoration:none}
nav a{color:#dbe4ff;text-decoration:none;margin-left:18px;font-size:14px}.hero{padding:68px 0 58px;background:linear-gradient(135deg,#111a2e,#243a73);color:white}
.hero h1{font-size:clamp(38px,6vw,68px);line-height:1.02;max-width:850px;margin:0 0 18px}.hero p{max-width:720px;color:#dce5ff;font-size:20px}
main{padding:38px 0}.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:34px}.article,.card{background:white;border:1px solid var(--line);border-radius:16px}
.article{padding:38px}.article h1{font-size:42px;line-height:1.12}.article h2{margin-top:42px;font-size:28px;line-height:1.2}.article h3{margin-top:28px}
.kicker{font-weight:700;color:var(--accent);text-transform:uppercase;font-size:13px;letter-spacing:.08em}.lede{font-size:21px;color:#445066}
.card{padding:22px;margin-bottom:20px}.sticky{position:sticky;top:20px}.btn{display:inline-block;background:var(--accent);color:white;text-decoration:none;font-weight:750;padding:13px 18px;border-radius:10px;margin:8px 0}
.note{background:#f4f7ff;border-left:4px solid var(--accent);padding:16px 18px;margin:24px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid .card h2{margin-top:0;font-size:20px}
.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:24px}.breadcrumbs a{color:var(--muted)}footer{padding:40px 0;color:var(--muted);font-size:14px}
.disclosure{font-size:14px;color:var(--muted);border-top:1px solid var(--line);padding-top:18px;margin-top:34px}
@media(max-width:850px){.layout{grid-template-columns:1fr}.sticky{position:static}.grid{grid-template-columns:1fr}.article{padding:24px}.article h1{font-size:34px}nav{display:none}}