:root{--ink:#162231;--muted:#5a6573;--bg:#f5f7fa;--card:#fff;--line:#d8e0e8;--accent:#0d6274;--accent2:#9b5214;--soft:#e9f5f7;--gold:#fff2dd}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6}
a{color:#075d73;text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1180px;margin:0 auto;padding:0 22px}
header{background:linear-gradient(135deg,#102437,#0d6274);color:#fff;padding:44px 0 38px}
header .eyebrow{text-transform:uppercase;letter-spacing:.1em;font-size:.78rem;opacity:.85;font-weight:700}
header h1{font-size:clamp(2.1rem,5vw,4.5rem);line-height:1.03;margin:.25rem 0}
header p{font-size:1.1rem;max-width:880px;opacity:.96}
nav{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
nav .wrap{display:flex;gap:16px;overflow:auto;white-space:nowrap;padding-top:11px;padding-bottom:11px}
nav a{font-size:.92rem;font-weight:800;color:#1d3547}
main{padding:34px 0 66px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(245px,1fr));gap:18px}
.card,.panel{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 1px 3px rgba(0,0,0,.04)}
.card h2,.card h3,.panel h2,.panel h3{margin-top:0}
.kicker{font-size:.76rem;text-transform:uppercase;letter-spacing:.1em;font-weight:900;color:var(--accent)}
.btn{display:inline-block;background:var(--accent);color:#fff;padding:10px 14px;border-radius:10px;font-weight:900;margin-top:8px}
.btn.alt{background:var(--accent2)}
.callout{background:var(--soft);border-left:5px solid var(--accent);border-radius:12px;padding:16px 18px;margin:18px 0}
.callout.gold{background:var(--gold);border-left-color:var(--accent2)}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden}
th,td{border-bottom:1px solid var(--line);padding:9px 10px;text-align:left;vertical-align:top}
th{background:#edf4f7}
.small{font-size:.9rem;color:var(--muted)}
.badge{display:inline-block;background:#eef4f7;border:1px solid var(--line);padding:3px 8px;border-radius:999px;font-size:.78rem;margin:2px}
.searchbox{width:100%;padding:12px;border:1px solid var(--line);border-radius:10px;font-size:1rem;margin:10px 0 16px}
footer{background:#13202f;color:#fff;padding:34px 0}
footer a{color:#c4eef5}
.sourcequote{font-family:Georgia,serif;background:#fff;border:1px solid var(--line);border-left:5px solid var(--accent2);padding:18px;border-radius:12px}
@media print{nav,.btn,.searchbox{display:none}body{background:#fff}.card,.panel{box-shadow:none}}