:root{--navy:#14283D;--gold:#DDBB83;--alt:#F5F6F8;--tx:#263445;--line:#dfe3e8}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;color:var(--tx);background:#fff;font:18px/1.7 Georgia,'Times New Roman',serif;overflow-x:hidden}
h1,h2,h3,nav,button,input,textarea,summary,.sans{font-family:system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:1.6em 0 .5em}h1{font-size:clamp(30px,5vw,44px);margin-top:.4em}h2{font-size:clamp(23px,3vw,30px)}h3{font-size:19px;margin:0}
a{color:#1d4f86}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,summary:focus-visible,.tw:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.w{max-width:1120px;margin:0 auto;padding:0 20px}.narrow{max-width:680px}.skip{position:absolute;left:-999px;background:#fff;padding:8px;z-index:20}.skip:focus{left:8px;top:8px}.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
header{background:var(--navy);position:sticky;top:0;z-index:10}.bar{display:flex;align-items:center;gap:18px;min-height:64px;flex-wrap:wrap}
.brand{font:700 24px system-ui;color:#fff;text-decoration:none}.brand span{color:var(--gold)}
#nav{display:flex;gap:4px;flex:1;flex-wrap:wrap}#nav a{color:#fff;text-decoration:none;font-size:15px;padding:10px 10px;min-height:44px;display:flex;align-items:center;border-radius:6px}#nav a:hover,#nav a[aria-current]{color:var(--gold)}
.sf input{width:180px;padding:10px 12px;border-radius:6px;border:0;min-height:44px}#menu{display:none;min-height:44px;margin-left:auto;background:none;border:1px solid var(--gold);color:var(--gold);padding:0 16px;border-radius:6px;font-size:15px}
@media(max-width:900px){body{font-size:17px}#menu{display:block}#nav{display:none;width:100%;flex-direction:column;padding-bottom:8px}#nav.open{display:flex}.sf{width:100%}.sf input{width:100%}}
.hero{background:var(--navy);color:#fff;padding:clamp(48px,9vw,104px) 0;border-bottom:6px solid var(--gold)}.hero h1{color:#fff;max-width:800px}.eyebrow{color:var(--gold);font:600 13px system-ui;letter-spacing:.12em;text-transform:uppercase;margin:0}.lead{font-size:20px;max-width:640px;opacity:.92}.lead2{font-size:19px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 22px;border-radius:6px;font:600 15px system-ui;text-decoration:none;border:2px solid var(--gold);background:var(--gold);color:var(--navy);cursor:pointer;margin:6px 6px 6px 0;text-align:center}.btn.o{background:none;color:#fff}.btn[disabled]{opacity:.6;cursor:not-allowed;white-space:normal}
section{padding:clamp(36px,6vw,64px) 0}.alt{background:var(--alt)}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,270px),1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:8px;padding:22px;display:flex;flex-direction:column;gap:8px;text-decoration:none;color:inherit;transition:box-shadow .2s}.card:hover{box-shadow:0 6px 20px rgba(20,40,61,.1)}
.card p{margin:0;font-size:16px;line-height:1.55}.card h3 a{text-decoration:none;color:var(--navy)}.tag{font:700 12px system-ui;text-transform:uppercase;letter-spacing:.07em;color:#7a5a1e}.more{font:600 15px system-ui;color:#1d4f86;margin-top:auto}.small{font-size:13px!important;opacity:.8}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}.chip{min-height:44px;border:1px solid var(--line);background:#fff;color:var(--tx);padding:0 16px;border-radius:99px;cursor:pointer;font-size:14px}.chip[aria-pressed=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
.crumb{padding-top:16px;font:14px system-ui}.crumb ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap}.crumb li+li::before{content:'›';margin:0 8px}
.art{max-width:760px;margin:0 auto;padding:0 20px 56px}.meta{font:14px system-ui;color:#566}.note{background:var(--alt);border-left:4px solid var(--gold);padding:12px 16px;font:15px/1.5 system-ui;margin:20px 0}
.toc{background:var(--alt);padding:4px 22px 14px;border-radius:8px;margin:24px 0}.toc h2{font-size:18px;margin:14px 0 6px}.art h2{margin-top:1.8em}.cols{columns:2 240px}
.tw{overflow-x:auto;-webkit-overflow-scrolling:touch}table{border-collapse:collapse;width:100%;min-width:560px;font:15px/1.5 system-ui}th,td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}th{background:var(--navy);color:#fff}
details{border:1px solid var(--line);border-radius:6px;padding:10px 14px;margin:8px 0}summary{cursor:pointer;font-weight:600;min-height:32px}
label{display:block;font:600 14px system-ui;margin-top:16px}input,textarea{width:100%;padding:12px;border:1px solid #9aa5b1;border-radius:6px;font-size:16px;color:var(--tx)}fieldset{border:0;padding:0;margin:0}.inline{display:flex;gap:10px;flex-wrap:wrap;align-items:end}.inline label{width:100%}.inline input{flex:1;min-width:200px}.err{color:#b3261e;font:15px system-ui}
footer{background:var(--navy);color:#fff;padding:36px 0;font:15px/1.6 system-ui}footer a{color:var(--gold);margin-right:16px;display:inline-block;padding:6px 0}