:root {
      --ink: #182230;
      --muted: #607083;
      --navy: #24364a;
      --teal: #1f756c;
      --mint: #dff3ee;
      --soft: #fffaf3;
      --line: #dde6e2;
      --coral: #d96d5a;
      --gold: #c99a43;
      --white: #ffffff;
      --shadow: 0 18px 45px rgba(24, 34, 48, .12);
    }

    * {
      box-sizing: border-box;
    }

    body {
      margin: 0;
      font-family: Inter, Arial, Helvetica, sans-serif;
      color: var(--ink);
      background: var(--soft);
      line-height: 1.7;
    }

    a {
      color: var(--teal);
      text-underline-offset: 4px;
    }

    .topbar {
      background: rgba(255, 250, 243, .92);
      border-bottom: 1px solid rgba(36, 54, 74, .1);
      position: sticky;
      top: 0;
      z-index: 10;
      backdrop-filter: blur(14px);
    }

    .nav {
      max-width: 1120px;
      margin: auto;
      padding: 16px 20px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 18px;
    }

    .brand {
      display: flex;
      align-items: center;
      gap: 10px;
      color: var(--navy);
      font-weight: 800;
      text-decoration: none;
    }

    .brand span:first-child {
      width: 34px;
      height: 34px;
      display: grid;
      place-items: center;
      border-radius: 8px;
      background: var(--mint);
      color: var(--teal);
    }

    .navlinks {
      display: flex;
      gap: 18px;
      font-size: 14px;
      font-weight: 700;
    }

    .navlinks a {
      color: var(--muted);
      text-decoration: none;
    }

    .hero {
      background:
        linear-gradient(118deg, rgba(223, 243, 238, .96), rgba(255, 250, 243, .9) 48%, rgba(250, 220, 204, .76)),
        radial-gradient(circle at 80% 20%, rgba(201, 154, 67, .25), transparent 30%);
      border-bottom: 1px solid rgba(36, 54, 74, .08);
    }

    .hero-inner {
      max-width: 1120px;
      margin: auto;
      padding: 76px 20px 62px;
      display: grid;
      grid-template-columns: 1.15fr .85fr;
      gap: 42px;
      align-items: center;
    }

    .eyebrow {
      margin: 0 0 14px;
      color: var(--teal);
      font-size: 13px;
      font-weight: 800;
      text-transform: uppercase;
    }

    h1 {
      margin: 0;
      color: var(--navy);
      font-size: clamp(38px, 6vw, 68px);
      line-height: 1;
      letter-spacing: 0;
    }

    .lead {
      max-width: 720px;
      margin: 24px 0 0;
      color: #3d4b5d;
      font-size: 19px;
    }

    .hero-actions {
      display: flex;
      flex-wrap: wrap;
      gap: 12px;
      margin-top: 30px;
    }

    .btn {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      min-height: 46px;
      padding: 11px 18px;
      border-radius: 8px;
      font-weight: 800;
      text-decoration: none;
      border: 1px solid transparent;
    }

    .btn-primary {
      background: var(--navy);
      color: var(--white);
      box-shadow: 0 12px 24px rgba(36, 54, 74, .18);
    }

    .btn-light {
      background: var(--white);
      color: var(--navy);
      border-color: rgba(36, 54, 74, .15);
    }

    .hero-card {
      background: rgba(255, 255, 255, .82);
      border: 1px solid rgba(36, 54, 74, .12);
      border-radius: 8px;
      padding: 26px;
      box-shadow: var(--shadow);
    }

    .hero-card h2 {
      margin-top: 0;
      font-size: 23px;
    }

    .quick {
      list-style: none;
      padding: 0;
      margin: 0;
      display: grid;
      gap: 14px;
    }

    .quick li {
      display: flex;
      gap: 12px;
      font-weight: 700;
      color: #36465a;
    }

    .quick b {
      flex: 0 0 25px;
      height: 25px;
      display: grid;
      place-items: center;
      border-radius: 8px;
      background: #f7ddd4;
      color: #903c30;
    }

    .layout {
      max-width: 1120px;
      margin: auto;
      padding: 56px 20px 80px;
      display: grid;
      grid-template-columns: minmax(0, 1fr) 300px;
      gap: 46px;
      align-items: start;
    }

    article section {
      margin-top: 44px;
    }

    .meta {
      display: flex;
      flex-wrap: wrap;
      gap: 10px;
      color: var(--muted);
      font-size: 14px;
      margin-bottom: 28px;
    }

    .pill {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 8px;
      padding: 6px 10px;
      font-weight: 700;
    }

    h2 {
      color: var(--navy);
      font-size: clamp(27px, 3vw, 38px);
      line-height: 1.15;
      margin: 0 0 16px;
    }

    h3 {
      color: #26364a;
      font-size: 21px;
      line-height: 1.3;
      margin: 0 0 10px;
    }

    p {
      margin: 0 0 16px;
    }

    .note {
      margin: 26px 0;
      padding: 18px 20px;
      background: #edf8f5;
      border: 1px solid #cce6de;
      border-left: 5px solid #6d9b90;
      border-radius: 8px;
      color: #2f514b;
    }

    .grid {
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: 16px;
      margin-top: 22px;
    }

    .card {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 8px;
      padding: 22px;
      box-shadow: 0 10px 24px rgba(24, 34, 48, .06);
    }

    .card strong {
      color: #9b4033;
    }

    .checklist {
      background: #fff5e9;
      border: 1px solid #efd5b4;
      border-radius: 8px;
      padding: 24px;
      margin-top: 20px;
    }

    ul {
      padding-left: 22px;
    }

    li {
      margin-bottom: 9px;
    }

    table {
      width: 100%;
      border-collapse: collapse;
      background: var(--white);
      border-radius: 8px;
      overflow: hidden;
      box-shadow: 0 10px 24px rgba(24, 34, 48, .06);
      margin-top: 20px;
    }

    th, td {
      border: 1px solid var(--line);
      padding: 14px;
      text-align: left;
      vertical-align: top;
    }

    th {
      background: #edf6f2;
      color: var(--navy);
      font-size: 14px;
      text-transform: uppercase;
    }

    .cta {
      background: var(--navy);
      color: var(--white);
      border-radius: 8px;
      padding: 30px;
      margin-top: 42px;
      display: grid;
      grid-template-columns: minmax(0, 1fr) auto;
      gap: 24px;
      align-items: center;
    }

    .cta h2 {
      color: var(--white);
      margin-bottom: 8px;
      font-size: 28px;
    }

    .cta p {
      color: rgba(255, 255, 255, .84);
      margin: 0;
    }

    .faq details {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 8px;
      padding: 18px 20px;
      margin-bottom: 12px;
    }

    .faq summary {
      cursor: pointer;
      color: var(--navy);
      font-weight: 800;
    }

    .faq details p {
      margin-top: 12px;
      color: #4d5c6d;
    }

    aside {
      position: sticky;
      top: 92px;
      display: grid;
      gap: 16px;
    }

    .side {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 8px;
      padding: 20px;
      box-shadow: 0 10px 24px rgba(24, 34, 48, .05);
    }

    .side h2 {
      font-size: 19px;
      margin-bottom: 12px;
    }

    .side a:not(.btn) {
      display: block;
      color: var(--muted);
      text-decoration: none;
      padding: 8px 0;
      border-top: 1px solid rgba(221, 230, 226, .75);
      font-weight: 700;
    }

    .sources {
      border-top: 1px solid var(--line);
      padding-top: 28px;
      color: var(--muted);
      font-size: 14px;
    }

    footer {
      background: #172333;
      color: rgba(255,255,255,.78);
      padding: 30px 20px;
      text-align: center;
      font-size: 14px;
    }

    @media (max-width: 900px) {
      .hero-inner,
      .layout,
      .cta {
        grid-template-columns: 1fr;
      }

      aside {
        position: static;
        order: -1;
      }

      .grid {
        grid-template-columns: 1fr;
      }
    }

    @media (max-width: 620px) {
      .nav {
        flex-direction: column;
        align-items: flex-start;
      }

      .navlinks {
        width: 100%;
        overflow-x: auto;
      }

      .hero-actions,
      .meta {
        flex-direction: column;
      }

      .btn {
        width: 100%;
      }

      table {
        display: block;
        overflow-x: auto;
      }
    }