:root {
  --navy: #0b1f33;
  --navy-2: #123049;
  --gold: #c9a227;
  --gold-soft: #e8d48b;
  --cream: #f7f3ea;
  --text: #1c2430;
  --muted: #5b6573;
  --white: #ffffff;
  --line: #e4dcc8;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: Georgia, "Times New Roman", serif;
  color: var(--text);
  background: var(--cream);
  line-height: 1.7;
}
a { color: #8a6d12; }
img { max-width: 100%; }
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 22px; }
header {
  background: var(--navy);
  color: var(--white);
  position: sticky;
  top: 0;
  z-index: 20;
  border-bottom: 3px solid var(--gold);
}
.topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 15px;
  gap: 16px;
}
.logo {
  font-family: "Palatino Linotype", Palatino, serif;
  font-size: 1.15rem;
  letter-spacing: .04em;
  color: var(--gold-soft);
  text-decoration: none;
  font-weight: 700;
}
header { backdrop-filter: saturate(140%) blur(8px); }
nav { display: flex; align-items: center; gap: 4px; }
nav a {
  position: relative;
  color: #e9e4d6;
  text-decoration: none;
  font-family: system-ui, sans-serif;
  font-size: .88rem;
  padding: 0px 12px;
  border-radius: 999px;
  transition: color .2s, background .2s;
}
nav a:hover { color: var(--gold-soft); background: rgba(255, 255, 255, .08); }
nav a[aria-current="page"] { color: var(--gold-soft) }
nav a:focus-visible, .nav-toggle:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid rgba(232, 212, 139, .35);
  border-radius: 12px;
  background: rgba(255, 255, 255, .06);
  cursor: pointer;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  transition: background .2s;
}
.nav-toggle:hover { background: rgba(255, 255, 255, .14); }
.nav-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  border-radius: 2px;
  background: var(--gold-soft);
  transition: transform .3s, opacity .2s;
}
.nav-open .nav-toggle span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-open .nav-toggle span:nth-child(2) { opacity: 0; }
.nav-open .nav-toggle span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (min-width: 768px) and (max-width: 1024px){
article.wrap{min-height:90vh;}
}
@media (max-width: 860px) {
  .nav-toggle { display: inline-flex; }
  nav {
    position: absolute;
    top: calc(100% + 3px);
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 2px;
    padding: 10px 14px 16px;
    background: var(--navy);
    border-bottom: 3px solid var(--gold);
    box-shadow: 0 18px 30px rgba(0, 0, 0, .28);
    opacity: 0;
    visibility: hidden;
    transform: translateY(-8px);
    transition: opacity .25s, transform .25s, visibility .25s;
  }
  .nav-open nav { opacity: 1; visibility: visible; transform: none; }
  nav a { font-size: 1rem; padding: 13px 16px; border-radius: 12px; }
}
@media (prefers-reduced-motion: reduce) {
  nav, nav a, .nav-toggle span { transition: none; }
}
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 70%);
  color: #f4efe3;
  padding: 64px 0 56px;
}
.hero h1 {
  font-size: clamp(2rem, 4vw, 3.1rem);
  line-height: 1.15;
  max-width: 820px;
  color: #fff;
}
.hero p.lead {
  margin-top: 16px;
  font-size: 1.15rem;
  max-width: 720px;
  color: #d9d0bb;
}
.btn {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  text-decoration: none;
  font-family: system-ui, sans-serif;
  font-weight: 700;
  padding: 14px 22px;
  border-radius: 4px;
  margin-top: 22px;
}
.btn:hover { background: var(--gold-soft); color: var(--navy); }
.btn-ghost {
  background: transparent;
  border: 1px solid var(--gold);
  color: var(--gold-soft);
  margin-left: 10px;
}
section { padding: 48px 0; }
h2 { font-size: 1.85rem; margin-bottom: 14px; color: var(--navy); }
h3 { font-size: 1.25rem; margin: 22px 0 8px; color: var(--navy-2); }
p { margin-bottom: 14px; }
ul, ol { margin: 0 0 16px 22px; }
.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 18px;
  margin-top: 22px;
}
.card {
  background: #fff;
  border: 1px solid var(--line);
  padding: 20px;
  border-radius: 6px;
}
.card h3 { margin-top: 0; }
.callout {
  background: var(--navy);
  color: #efe8d6;
  padding: 36px 0;
}
.callout h2 { color: var(--gold-soft); }
.callout p { color: #ddd4bf; }
.disclaimer {
  font-family: system-ui, sans-serif;
  font-size: .85rem;
  color: var(--muted);
  background: #efe8d4;
  padding: 16px;
  border-left: 4px solid var(--gold);
  margin: 24px 0;
}
footer {
  background: var(--navy);
  color: #c9c2b0;
  padding: 36px 0 20px;
  font-family: system-ui, sans-serif;
  font-size: .9rem;
}
footer a { color: var(--gold-soft); text-decoration: none; }
.footgrid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 24px;
}
@media (max-width: 700px) {
  .footgrid { grid-template-columns: 1fr; }
  .btn-ghost { margin-left: 0; display: inline-block; margin-top: 10px; }
}
article h1 { margin: 28px 0 12px; color: var(--navy); font-size: 2.2rem; }
.crumb {
  font-family: system-ui, sans-serif;
  font-size: .82rem;
  color: var(--muted);
  padding-top: 22px;
}
.crumb a { color: var(--muted); }
.toc {
  background: #fff;
  border: 1px solid var(--line);
  padding: 16px 20px;
  margin: 18px 0 28px;
}
.toc a { text-decoration: none; }
.meta { font-family: system-ui, sans-serif; color: var(--muted); font-size: .86rem; margin-bottom: 18px; }
table { width: 100%; border-collapse: collapse; margin: 16px 0 24px; background: #fff; }
th, td { border: 1px solid var(--line); padding: 10px 12px; text-align: left; font-family: system-ui, sans-serif; font-size: .92rem; }
th { background: var(--navy); color: #fff; }