:root{
  --bg:#ffffff;
  --ink:#152232;
  --muted:#5b6b7a;
  --brand:#14508c;
  --brand-2:#0e7c86;
  --accent:#f59e0b;
  --surface:#f5f8fc;
  --line:#e4eaf1;
  --shadow:0 1px 2px rgba(21,34,50,.06),0 8px 24px rgba(21,34,50,.06);
  --radius:14px;
  --wrap:1080px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;color:var(--ink);background:var(--bg);
  font:16px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  -webkit-font-smoothing:antialiased;
}
.container{max-width:var(--wrap);margin:0 auto;padding:0 20px}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{line-height:1.2;color:var(--ink);letter-spacing:-.01em}
h1{font-size:2.4rem;margin:.2em 0 .3em}
h2{font-size:1.6rem;margin:1.8em 0 .5em}
h3{font-size:1.2rem;margin:1.4em 0 .3em}
p{margin:0 0 1em}
img{max-width:100%}

/* header */
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.9);backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 20px}
.brand{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-size:1.25rem;color:var(--ink)}
.brand:hover{text-decoration:none}
.brand-mark{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:8px;
  background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;font-size:.9rem;transform:translateY(-1px)}
.nav{display:flex;flex-wrap:wrap;gap:4px}
.nav a{color:var(--muted);font-weight:600;font-size:.94rem;padding:7px 11px;border-radius:9px}
.nav a:hover{color:var(--ink);background:var(--surface);text-decoration:none}

/* hero */
.hero{background:linear-gradient(180deg,var(--surface),#fff);border-bottom:1px solid var(--line)}
.hero-inner{padding:64px 0 56px;text-align:center;max-width:760px;margin:0 auto}
.eyebrow{display:inline-block;font-weight:700;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;
  color:var(--brand-2);background:#e6f4f4;padding:5px 12px;border-radius:999px;margin-bottom:18px}
.hero h1{font-size:2.9rem}
.hero .lead{font-size:1.2rem;color:var(--muted);margin:0 auto 26px;max-width:620px}
.btn{display:inline-block;font-weight:700;padding:13px 22px;border-radius:11px;background:var(--brand);color:#fff;box-shadow:var(--shadow)}
.btn:hover{background:#0f416f;text-decoration:none}
.btn.ghost{background:#fff;color:var(--brand);border:1px solid var(--line);margin-left:8px}

/* sections */
section{padding:14px 0}
.section-pad{padding:44px 0}
.subtle{color:var(--muted)}
.grid{display:grid;gap:20px}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
@media(max-width:820px){.grid.cols-3,.grid.cols-2{grid-template-columns:1fr}}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);
  display:flex;flex-direction:column;transition:transform .15s ease,box-shadow .15s ease}
.card:hover{transform:translateY(-2px);box-shadow:0 2px 4px rgba(21,34,50,.06),0 16px 36px rgba(21,34,50,.10)}
.card .tag{font-size:.74rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--accent);margin-bottom:8px}
.card h3{margin:0 0 6px}
.card p{color:var(--muted);margin:0 0 16px;font-size:.96rem}
.card .more{margin-top:auto;font-weight:700}

/* content article */
.article{max-width:760px;margin:0 auto;padding:42px 0}
.article .meta{color:var(--muted);font-size:.9rem;margin-bottom:6px}
.article ul{padding-left:1.15em;margin:0 0 1em}
.article li{margin:.35em 0}
.note{background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--accent);
  border-radius:10px;padding:14px 18px;margin:22px 0;color:var(--muted);font-size:.95rem}
.pick{border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin:16px 0;background:#fff;box-shadow:var(--shadow)}
.pick h3{margin:0 0 4px}
.pick .why{color:var(--muted);margin:.2em 0 .8em}

/* legal / prose */
.prose{max-width:760px;margin:0 auto;padding:42px 0}
.prose h2{font-size:1.35rem}

/* footer */
.site-footer{margin-top:40px;background:var(--surface);border-top:1px solid var(--line);padding:30px 0}
.disclosure-line{font-size:.9rem;color:var(--muted);max-width:820px}
.foot-links{font-size:.92rem;margin:.6em 0}
.foot-links a{color:var(--brand);font-weight:600}
.copyright{font-size:.82rem;color:var(--muted);margin:0}