:root{--navy:#101c2d;--navy2:#182b44;--orange:#f36b2c;--gold:#ffb43d;--cream:#fff9f3;--ink:#18202a;--muted:#617083;--line:#e6e9ee;--white:#fff;--shadow:0 18px 55px rgba(16,28,45,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65}.wrap{width:min(1120px,calc(100% - 40px));margin:auto}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav-wrap{min-height:76px;display:flex;align-items:center;gap:22px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:18px;white-space:nowrap}.brand b{color:var(--orange)}.brand-mark{display:grid;place-items:center;width:36px;height:36px;border-radius:10px;background:var(--orange);color:#fff;font-size:12px;letter-spacing:-.05em}.nav{display:flex;gap:18px;align-items:center;margin-left:auto}.nav a,.footer a{color:var(--muted);text-decoration:none;font-size:14px}.nav a:hover,.footer a:hover{color:var(--orange)}.nav-wrap>.btn{flex:none}.nav-toggle{display:none;background:none;border:0;font-size:24px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 18px;border-radius:9px;text-decoration:none;font-weight:800;font-size:14px;transition:.2s ease}.btn-primary{background:var(--orange);color:#fff;box-shadow:0 8px 20px rgba(243,107,44,.24)}.btn-primary:hover{transform:translateY(-1px);background:#e75d20}.btn-ghost{border:1px solid var(--line);color:var(--navy);background:#fff}.hero{background:linear-gradient(135deg,var(--cream),#fff 55%,#fff2e7);padding:76px 0 68px}.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:60px;align-items:center}.eyebrow,.kicker,.mini-label{font-size:11px;font-weight:900;letter-spacing:.16em;color:var(--orange)}h1{font-size:clamp(42px,6vw,70px);line-height:1.02;letter-spacing:-.045em;color:var(--navy);margin:14px 0 22px;max-width:850px}h2{font-size:30px;line-height:1.15;color:var(--navy);letter-spacing:-.025em;margin:0 0 14px}h3{color:var(--navy);margin:8px 0}.lead{font-size:20px;line-height:1.65;color:#4c5a6b;max-width:760px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0 12px}.disclosure,.tiny{font-size:12px;color:#758295}.hero-card{background:var(--navy);color:#fff;border-radius:20px;padding:28px;box-shadow:var(--shadow);position:relative;overflow:hidden}.hero-card:after{content:"";position:absolute;width:170px;height:170px;border-radius:50%;background:rgba(243,107,44,.2);right:-65px;top:-65px}.mini-label{color:var(--gold);margin-bottom:22px}.fact{display:flex;align-items:baseline;gap:12px;padding:16px 0;border-top:1px solid rgba(255,255,255,.12)}.fact strong{font-size:34px}.fact span{color:#cbd5e1;font-size:13px}.fact-note{margin-top:15px;font-size:12px;color:#9eacbd}.breadcrumbs{display:flex;gap:9px;align-items:center;padding:28px 0;color:#8490a0;font-size:13px}.breadcrumbs a{color:var(--orange);text-decoration:none}.article{max-width:820px;margin:0 auto 35px}.content-section{padding:30px 0;border-bottom:1px solid var(--line)}.content-section:first-child{padding-top:10px}.content-section p{font-size:17px;color:#4b5968;margin:0}.section{padding:65px 0}.section-head{margin-bottom:25px}.grid{display:grid;gap:18px}.cards{grid-template-columns:repeat(3,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:0 7px 25px rgba(16,28,45,.05)}.card span{font-size:11px;color:var(--orange);font-weight:900;letter-spacing:.12em}.link-card{text-decoration:none}.link-card p{color:var(--muted);font-size:14px}.callout{background:var(--navy);color:#fff;border-radius:22px;padding:36px;display:flex;justify-content:space-between;align-items:center;gap:30px;margin:30px 0 80px}.callout h2{color:#fff}.callout p{color:#cbd5e1;max-width:650px}.footer{background:#0b1421;color:#aeb9c7;padding:55px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px}.footer h4{color:#fff;margin:0 0 12px}.footer a{display:block;margin:8px 0}.footer .brand{color:#fff}.copyright{font-size:12px;border-top:1px solid rgba(255,255,255,.1);margin-top:35px;padding-top:20px}.overlay{display:none;position:fixed;inset:0;background:rgba(7,13,23,.72);z-index:100;padding:22px;align-items:center;justify-content:center}.overlay.show{display:flex}.overlay-panel{position:relative;width:min(560px,100%);background:linear-gradient(145deg,#fff,#fff5ed);border-radius:24px;padding:42px;box-shadow:0 30px 90px rgba(0,0,0,.3)}.overlay-panel h2{font-size:38px}.overlay-panel p{color:#596777}.overlay-close{position:absolute;right:14px;top:12px;border:0;background:transparent;font-size:30px;color:#6a7480;cursor:pointer}.overlay-panel .btn{width:100%;margin-top:8px}
@media(max-width:980px){.nav{gap:12px}.nav a{font-size:12px}.nav-wrap>.btn{padding:10px 12px}.hero-grid{grid-template-columns:1fr}.hero-card{max-width:600px}.cards{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:2fr 1fr 1fr}}
@media(max-width:760px){.wrap{width:min(100% - 28px,1120px)}.site-header{position:relative}.nav-toggle{display:block;margin-left:auto}.nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;padding:15px 20px;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}.nav.open{display:flex}.nav-wrap>.btn{display:none}.hero{padding:52px 0}.lead{font-size:18px}h1{font-size:44px}.cards{grid-template-columns:1fr}.callout{display:block;padding:28px;margin-bottom:55px}.callout .btn{margin-top:10px;width:100%}.footer-grid{grid-template-columns:1fr 1fr}.hero-actions .btn{width:100%}}