:root{--navy:#1D3971;--blue:#68C3EB;--gray:#D2D2D2;--ink:#101828;--muted:#5f6878;--paper:#f7f7f5;--white:#fff;--black:#000}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.7}
a{color:inherit}img{max-width:100%}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;background:#fff;padding:10px;z-index:999}
.nav{height:86px;background:rgba(29,57,113,.97);display:flex;align-items:center;justify-content:space-between;padding:0 clamp(22px,4vw,72px);position:relative;z-index:10;border-bottom:1px solid rgba(104,195,235,.35)}
.brand{display:flex;align-items:center;gap:18px;text-decoration:none}.brand img{width:184px;display:block}.brand span{color:#fff;font-size:13px;letter-spacing:.14em;text-transform:uppercase;border-left:1px solid rgba(255,255,255,.3);padding-left:18px}
.menu{display:flex;align-items:center;gap:28px}.menu a{text-decoration:none;color:rgba(255,255,255,.92);font-size:15px;font-weight:600}.menu a:hover,.menu a:focus{color:var(--blue)}
.menu .contact{border:1px solid var(--blue);padding:11px 16px}.hamb{display:none;color:#fff;background:none;border:0;font-size:26px}
.article-hero{background:var(--navy);color:#fff;padding:76px 24px 70px}.article-hero .inner{max-width:1160px;margin:auto}.eyebrow{color:var(--blue);font-size:12px;letter-spacing:.18em;text-transform:uppercase;font-weight:700;margin-bottom:22px}
h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(36px,4.2vw,58px);line-height:1.08;font-weight:400;max-width:980px;margin:0 0 24px;text-wrap:balance}
.dek{max-width:850px;font-size:20px;line-height:1.6;color:rgba(255,255,255,.85);margin:0}
.meta{margin-top:30px;display:flex;flex-wrap:wrap;gap:18px;font-size:13px;color:rgba(255,255,255,.72)}
.breadcrumbs{max-width:1160px;margin:0 auto;padding:20px 24px;font-size:13px;color:#667085}.breadcrumbs a{text-decoration:none;color:var(--navy)}
.layout{max-width:1160px;margin:0 auto;padding:54px 24px 86px;display:grid;grid-template-columns:minmax(0,760px) 280px;gap:78px}
.prose{font-size:18px}.prose p{margin:0 0 23px}.prose h2{font-family:Georgia,'Times New Roman',serif;color:var(--navy);font-size:clamp(27px,2.3vw,34px);line-height:1.22;font-weight:400;margin:52px 0 18px;text-wrap:balance}.prose h2:first-of-type{margin-top:10px}
.prose ul,.prose ol{padding-left:24px;margin:0 0 25px}.prose li{margin:7px 0}.prose strong{font-weight:700;color:#162d59}
.callout{margin:34px 0;padding:24px 26px;border-left:4px solid var(--blue);background:#f2f8fb;font-size:17px}
.toc{position:sticky;top:28px;align-self:start;border-top:3px solid var(--navy);padding-top:18px}.toc .label{font-size:11px;text-transform:uppercase;letter-spacing:.15em;color:#667085;font-weight:700}.toc a{display:block;text-decoration:none;color:#364152;font-size:14px;line-height:1.4;padding:8px 0;border-bottom:1px solid #e5e7eb}.toc a:hover{color:var(--navy)}
.mobile-toc{display:none}
.sources{border-top:1px solid #d8dce3;margin-top:54px;padding-top:28px}.sources h2{margin-top:0}.sources a{color:var(--navy);text-decoration-thickness:1px}
.service{background:#eef8fc;border-top:1px solid #d6eef7;border-bottom:1px solid #d6eef7;padding:58px 24px}.service .inner{max-width:1160px;margin:auto;display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center}.service h2{font-family:Georgia,'Times New Roman',serif;color:var(--navy);font-size:34px;font-weight:400;margin:0 0 10px}.service p{max-width:760px;margin:0;color:#536174;font-size:17px}.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;padding:14px 20px;font-weight:700;font-size:14px}.btn:hover{background:#122956}
.related{padding:62px 24px;background:#fff}.related .inner{max-width:1160px;margin:auto}.related h2{font-family:Georgia,'Times New Roman',serif;color:var(--navy);font-weight:400;font-size:34px;margin:0 0 28px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border-top:2px solid var(--navy);padding:20px 0}.card small{color:#667085;text-transform:uppercase;letter-spacing:.1em}.card a{display:block;margin-top:8px;text-decoration:none;font-family:Georgia,'Times New Roman',serif;font-size:22px;color:var(--navy);line-height:1.25}
.cta{background:var(--blue);padding:66px 24px}.cta .inner{max-width:1160px;margin:auto;display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center}.cta h2{font-family:Georgia,'Times New Roman',serif;font-weight:400;font-size:38px;color:var(--navy);margin:0 0 10px}.cta p{margin:0;color:#24456b;font-size:18px;max-width:760px}
.footer{background:var(--navy);color:#fff;padding:58px 24px 22px}.footer-grid{max-width:1160px;margin:auto;display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:50px}.footer img{width:220px}.footer p{font-size:14px;color:rgba(255,255,255,.72);max-width:330px}.footer h3{font-size:12px;text-transform:uppercase;letter-spacing:.14em;color:var(--blue);margin:0 0 15px}.footer a{display:block;color:rgba(255,255,255,.84);text-decoration:none;font-size:14px;margin:8px 0}.legal{max-width:1160px;margin:40px auto 0;padding-top:20px;border-top:1px solid rgba(255,255,255,.18);font-size:12px;color:rgba(255,255,255,.6);display:flex;justify-content:space-between;gap:20px}
@media(max-width:900px){.menu{display:none}.hamb{display:block}.brand img{width:160px}.brand span{display:none}.layout{grid-template-columns:1fr;gap:20px;padding-top:34px}.toc{display:none}.mobile-toc{display:block;margin:0 0 28px;border:1px solid #d9dee7;padding:14px 16px}.mobile-toc summary{font-weight:700;color:var(--navy);cursor:pointer}.mobile-toc a{display:block;padding:7px 0;text-decoration:none;color:#475467;font-size:14px}.cards{grid-template-columns:1fr}.service .inner,.cta .inner{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.article-hero{padding-top:58px}}
@media(max-width:600px){.nav{height:76px}.brand img{width:145px}.article-hero{padding:48px 20px 46px}h1{font-size:clamp(34px,10vw,42px)}.dek{font-size:17px}.layout{padding:28px 20px 64px}.prose{font-size:17px}.prose h2{font-size:28px;margin-top:42px}.service,.related,.cta{padding-left:20px;padding-right:20px}.service h2,.related h2{font-size:29px}.cta h2{font-size:31px}.footer-grid{grid-template-columns:1fr}.legal{flex-direction:column}.footer{padding-left:20px;padding-right:20px}}