:root{--bg:#E9F2FB;--navy:#16305B;--soft:#46608A;--yellow:#F8F06B;--white:#fff;--line:#C9DBEF;--green:#1E9E6A}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:'Plus Jakarta Sans',-apple-system,sans-serif;background:var(--bg);color:var(--navy);line-height:1.65;-webkit-font-smoothing:antialiased}
.wrap{max-width:760px;margin:0 auto;padding:0 24px}
nav{display:flex;align-items:center;justify-content:space-between;padding:20px 24px;max-width:1120px}
.logo{font-weight:800;font-size:19.5px;letter-spacing:-.03em;color:var(--navy);text-decoration:none}
.nav-cta{display:flex;align-items:center;gap:18px}
.nav-back{font-weight:600;font-size:14.5px;color:var(--soft);text-decoration:none}
.nav-back:hover{color:var(--navy)}
.btn{display:inline-block;padding:10px 20px;border-radius:999px;font-weight:700;font-size:14.5px;text-decoration:none;border:1.5px solid var(--navy);color:var(--navy)}
.btn-yellow{background:var(--yellow);box-shadow:0 2px 0 var(--navy)}
.article{background:var(--white);border-radius:24px;padding:44px 48px 40px;margin:16px auto 48px;max-width:800px}
.kicker{font-size:12.5px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--soft);margin-bottom:10px}
h1{font-size:clamp(27px,3.6vw,38px);font-weight:800;letter-spacing:-.025em;line-height:1.18;margin-bottom:14px;text-wrap:balance}
.lede{font-size:18px;color:var(--soft);font-weight:500;margin-bottom:10px}
.meta{font-size:13px;color:var(--soft);font-weight:500;padding-bottom:22px;border-bottom:1px solid #EDF2F9;margin-bottom:28px}
h2{font-size:22px;font-weight:800;letter-spacing:-.02em;margin:32px 0 12px}
h3{font-size:17px;font-weight:800;margin:24px 0 8px}
p{margin-bottom:14px}
ul,ol{margin:0 0 16px 22px}
li{margin-bottom:7px}
strong{font-weight:700}
table{width:100%;border-collapse:collapse;font-size:14px;margin:6px 0 20px}
th{text-align:left;font-size:11.5px;text-transform:uppercase;letter-spacing:.06em;color:var(--soft);border-bottom:2px solid var(--navy);padding:8px 10px 8px 0}
td{border-bottom:1px solid #EDF2F9;padding:9px 10px 9px 0;vertical-align:top}
.callout{background:var(--bg);border-left:3px solid var(--navy);border-radius:0 12px 12px 0;padding:14px 18px;margin:18px 0}
.callout p:last-child{margin-bottom:0}
.disclaimer{border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin-top:34px;font-size:13.5px;color:var(--soft)}
.disclaimer strong{color:var(--navy);display:block;margin-bottom:5px}
.disclaimer p{margin:0}
.cta-box{background:var(--navy);color:var(--white);border-radius:20px;padding:30px 32px;margin-top:32px;text-align:center}
.cta-box h2{color:var(--white);margin:0 0 8px}
.cta-box p{opacity:.85;margin-bottom:18px}
.foot{display:flex;justify-content:space-between;align-items:center;padding-top:0;padding-bottom:40px;font-size:13.5px;color:var(--soft);max-width:800px}
.foot a{color:var(--soft);text-decoration:none;margin-left:18px}
.foot a:hover{color:var(--navy)}
.index-hero{text-align:center;padding:34px 0 8px}
.card-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;padding-bottom:40px}
.post-card{background:var(--white);border-radius:18px;padding:24px 24px 22px;text-decoration:none;color:var(--navy);display:block}
.post-card:hover{transform:translateY(-2px)}
.post-card .kicker{margin-bottom:8px}
.post-card h2{font-size:18px;margin:0 0 6px}
.post-card p{font-size:14.5px;color:var(--soft);margin:0}
@media(max-width:700px){.article{padding:28px 22px;border-radius:18px}.card-grid{grid-template-columns:1fr}nav{flex-wrap:wrap;gap:12px}.nav-back{display:none}}