:root{
  --ink:#16243a; --navy:#1f3a5f; --navy-d:#16304e; --navy-700:#274b78;
  --gold:#9c7c3c; --gold-soft:#c3a368;
  --paper:#fbfaf6; --surface:#ffffff; --surface-2:#f5f6f4;
  --body:#33414f; --muted:#586573; --faint:#838e9c;
  --line:#e7e3d9; --line-cool:#e3e7ec; --line-strong:#d3cdc0;
  --ok:#1c7c43; --ok-bg:#edf6ef; --warn:#8a6516; --hi:#b23a2c;
  --shadow:0 1px 2px rgba(22,36,58,.04), 0 8px 24px -12px rgba(22,36,58,.12);
  --r:10px; --maxw:1080px; --prose:48rem;
  --serif:"Newsreader",Georgia,"Times New Roman",serif;
  --sans:"Inter",-apple-system,system-ui,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--body);font-family:var(--sans);
  font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
  overflow-x:hidden;overflow-wrap:break-word}
h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);line-height:1.18;letter-spacing:-.01em;margin:0 0 .4em;font-weight:600}
h1{font-size:clamp(2rem,4.2vw,3.1rem);letter-spacing:-.022em}
h2{font-size:clamp(1.5rem,2.6vw,2rem)}
h3{font-size:1.22rem}
p{margin:0 0 1rem}
a{color:var(--navy);text-decoration:none}
a:hover{color:var(--navy-d)}
strong{color:var(--ink);font-weight:650}
small{font-size:.82rem}
.num{font-variant-numeric:tabular-nums;font-feature-settings:"tnum" 1}
.lead{font-size:1.2rem;line-height:1.55;color:var(--muted)}
.muted{color:var(--muted)} .faint{color:var(--faint)}
.serif{font-family:var(--serif)}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.prose{max-width:var(--prose)}
.eyebrow{font-size:.72rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
.rule{height:1px;background:var(--line);border:0;margin:0}
section{padding:64px 0}
hr.gold{width:44px;height:3px;background:var(--gold);border:0;border-radius:2px;margin:0 0 22px}

/* Header */
.site-head{position:sticky;top:0;z-index:40;background:rgba(251,250,246,.82);
  backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid var(--line)}
.site-head .bar{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:9px;font-family:var(--serif);font-weight:650;
  font-size:1.18rem;color:var(--ink);letter-spacing:-.01em}
.brand:hover{color:var(--ink)}
.nav{display:flex;align-items:center;gap:30px}
.nav a{color:var(--muted);font-size:.93rem;font-weight:500;transition:color .18s}
.nav a:hover,.nav a.active{color:var(--ink)}
.nav .btn{margin-left:4px}
@media(max-width:760px){.nav a:not(.btn){display:none}}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--sans);font-weight:600;
  font-size:.95rem;line-height:1;padding:12px 20px;border-radius:9px;border:1px solid transparent;
  cursor:pointer;transition:background .18s,border-color .18s,color .18s;white-space:nowrap}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-d);color:#fff}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line-strong)}
.btn-ghost:hover{border-color:var(--navy);color:var(--navy-d)}
.btn-lg{padding:15px 26px;font-size:1.02rem}
.btn:focus-visible,a:focus-visible,input:focus-visible,summary:focus-visible{outline:2px solid var(--navy-700);outline-offset:2px}

/* Search field */
.search{display:flex;gap:10px;max-width:520px}
.search input{flex:1;min-width:0;font-family:var(--sans);font-size:1.02rem;padding:14px 16px;border:1.5px solid var(--line-strong);
  border-radius:10px;background:#fff;color:var(--ink);transition:border-color .18s,box-shadow .18s}
.search input::placeholder{color:var(--faint)}
.search input:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(31,58,95,.12)}

/* Cards & grids */
.grid{display:grid;gap:22px}
.g-3{grid-template-columns:repeat(3,1fr)} .g-2{grid-template-columns:repeat(2,1fr)}
@media(max-width:820px){.g-3,.g-2{grid-template-columns:1fr}}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:26px}
.card .ico{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:10px;
  background:var(--surface-2);color:var(--navy);margin-bottom:14px}
.card h3{margin-bottom:.3em}
.step-n{font-family:var(--serif);font-size:.95rem;color:var(--gold);font-weight:600}
.pill{display:inline-flex;align-items:center;gap:6px;background:#fff;border:1px solid var(--line);
  color:var(--navy);font-size:.78rem;font-weight:600;padding:4px 11px;border-radius:20px}
.pill-gold{background:rgba(156,124,60,.08);border-color:rgba(156,124,60,.25);color:var(--gold)}

/* Tables */
.tscroll{overflow-x:auto;-webkit-overflow-scrolling:touch;max-width:100%}
table.data{width:100%;border-collapse:collapse;font-size:.93rem}
table.data th{text-align:left;color:var(--muted);font-size:.7rem;text-transform:uppercase;letter-spacing:.06em;
  font-weight:600;padding:10px 12px;border-bottom:1.5px solid var(--line-strong)}
table.data td{padding:11px 12px;border-bottom:1px solid var(--line-cool)}
table.data td.num{text-align:right;white-space:nowrap}
table.data tbody tr:hover{background:var(--surface-2)}

/* Sections with surface */
.band{background:var(--surface)}
.band-2{background:var(--surface-2)}

/* FAQ */
.faq details{border-bottom:1px solid var(--line);padding:6px 0}
.faq summary{cursor:pointer;list-style:none;padding:16px 0;font-family:var(--serif);font-size:1.12rem;
  color:var(--ink);font-weight:600;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--sans);font-size:1.4rem;color:var(--gold);font-weight:400;transition:transform .2s}
.faq details[open] summary::after{content:"–"}
.faq details[open] summary{color:var(--navy)}
.faq p{color:var(--muted);margin:0 0 16px;max-width:60ch}

/* CTA block */
.cta{background:var(--navy);color:#dbe5f0;border-radius:14px;padding:30px 34px;margin:28px 0}
.cta h3{color:#fff;margin:0 0 6px;font-family:var(--serif);font-size:1.4rem;font-weight:600}
.cta p{margin:0 0 16px;color:#bdcadb;max-width:62ch}
.cta .btn-primary{background:#fff;color:var(--navy)}
.cta .btn-primary:hover{background:#eef2f6;color:var(--navy-d)}

/* Stat cards */
.statcards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:22px 0}
@media(max-width:640px){.statcards{grid-template-columns:1fr}}
.statcards .sc{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:18px 20px}
.statcards .sc b{display:block;font-family:var(--serif);font-size:1.7rem;color:var(--ink);line-height:1.05}
.statcards .sc span{font-size:.82rem;color:var(--muted)}

/* Search results + autocomplete */
.srows{display:flex;flex-direction:column;gap:6px;margin-top:16px}
.srow{display:flex;flex-direction:column;padding:12px 15px;border:1px solid var(--line);border-radius:9px;text-decoration:none;background:#fff;transition:border-color .15s,background .15s}
.srow:hover{border-color:var(--navy);background:var(--surface-2)}
.srow .sn{font-weight:600;color:var(--ink)}
.srow .sm{font-size:.82rem;color:var(--muted);margin-top:1px}
.search{position:relative}
.ac{position:absolute;top:calc(100% + 6px);left:0;right:0;background:#fff;border:1px solid var(--line-strong);border-radius:10px;box-shadow:var(--shadow);overflow:hidden;z-index:30;display:none}
.ac.open{display:block}
.ac a{display:flex;flex-direction:column;padding:10px 15px;text-decoration:none;border-bottom:1px solid var(--line-cool)}
.ac a:last-child{border-bottom:0}
.ac a:hover,.ac a.sel{background:var(--surface-2)}
.ac .sn{font-weight:600;color:var(--ink);font-size:.95rem}
.ac .sm{font-size:.8rem;color:var(--muted)}
.ac .none{padding:12px 15px;color:var(--muted);font-size:.9rem}

/* Footer */
.site-foot{background:var(--ink);color:#c4ccd6;padding:56px 0 30px;margin-top:40px}
.site-foot a{color:#c4ccd6;font-size:.9rem;display:block;padding:5px 0;transition:color .18s}
.site-foot a:hover{color:#fff}
.site-foot .cols{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
@media(max-width:760px){.site-foot .cols{grid-template-columns:1fr 1fr}}
.site-foot h4{color:#fff;font-family:var(--sans);font-size:.74rem;text-transform:uppercase;letter-spacing:.1em;margin:0 0 12px;font-weight:600}
.site-foot .brand{color:#fff}
.foot-legal{margin-top:36px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);
  display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;color:#8b95a3;font-size:.82rem}

@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}