:root{
  --ink:#10151c; --ink-2:#38434f; --ink-3:#5d6a78;
  --line:#dde3ea; --line-2:#eef2f6;
  --bg:#ffffff; --bg-2:#f6f8fa; --bg-3:#eef2f6;
  --navy:#17314f; --navy-2:#0e2238; --navy-3:#20436c;
  --accent:#9a6b1f; --accent-2:#b8842e; --accent-wash:#fbf6ec;
  --good:#1d6b45; --warn:#8a4b12; --warn-wash:#fdf4ec;
  --maxw:1120px; --radius:3px;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);
  font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--navy-3);text-decoration:underline;text-underline-offset:2px;text-decoration-thickness:1px}
a:hover{color:var(--accent)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.22;color:var(--ink);margin:0 0 .5em}
h1{font-size:clamp(2rem,4.4vw,3rem);letter-spacing:-.02em}
h2{font-size:clamp(1.5rem,2.6vw,2rem);letter-spacing:-.01em;margin-top:2.2em}
h3{font-size:1.2rem;margin-top:1.8em}
h4{font-size:1.02rem;font-family:var(--sans);font-weight:700;margin-top:1.5em}
p,ul,ol{margin:0 0 1.1em}
ul,ol{padding-left:1.3em}
li{margin-bottom:.45em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:10px 14px;z-index:100;border:2px solid var(--navy)}

/* ---------- header ---------- */
.topbar{background:var(--navy-2);color:#cfdbe8;font-size:.8rem;padding:7px 0}
.topbar .wrap{display:flex;gap:18px;flex-wrap:wrap;justify-content:space-between;align-items:center}
.topbar a{color:#e7eef6;text-decoration:none;font-weight:600}
.topbar a:hover{color:#fff;text-decoration:underline}
.topbar span{opacity:.85}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:70px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink);flex-shrink:0}
.brand .mark{width:34px;height:34px;flex-shrink:0}
.brand b{font-family:var(--serif);font-size:1.22rem;font-weight:600;letter-spacing:-.01em;display:block;line-height:1.1}
.brand em{display:block;font-style:normal;font-size:.63rem;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-3);font-weight:600}
nav.main{display:flex;align-items:center;gap:4px}
nav.main a{color:var(--ink-2);text-decoration:none;font-size:.88rem;font-weight:600;padding:9px 11px;border-radius:var(--radius);white-space:nowrap}
nav.main a:hover{background:var(--bg-2);color:var(--navy)}
nav.main a[aria-current="page"]{color:var(--navy);box-shadow:inset 0 -2px 0 var(--accent)}
nav.main a.cta{background:var(--navy);color:#fff;padding:10px 16px;margin-left:6px}
nav.main a.cta:hover{background:var(--navy-3);color:#fff}
.burger{display:none;background:none;border:1px solid var(--line);border-radius:var(--radius);
  padding:8px 11px;font-size:.85rem;font-weight:700;color:var(--ink-2);cursor:pointer}
@media(max-width:940px){
  .burger{display:block}
  nav.main{position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);
    flex-direction:column;align-items:stretch;padding:8px 20px 16px;gap:0;display:none;
    box-shadow:0 12px 24px rgba(16,21,28,.08)}
  nav.main.open{display:flex}
  nav.main a{padding:12px 4px;border-bottom:1px solid var(--line-2)}
  nav.main a.cta{margin:10px 0 0;text-align:center;border:0}
}

/* ---------- hero ---------- */
.hero{background:linear-gradient(170deg,var(--navy-2) 0%,var(--navy) 58%,#1b3a5e 100%);color:#fff;
  padding:72px 0 64px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;opacity:.5;
  background:radial-gradient(760px 340px at 88% -10%,rgba(184,132,46,.22),transparent 70%)}
.hero .wrap{position:relative;z-index:1}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:52px;align-items:start}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:34px}.hero{padding:52px 0 46px}}
.hero h1{color:#fff;max-width:17em}
.kicker{display:inline-block;font-size:.72rem;letter-spacing:.15em;text-transform:uppercase;
  font-weight:700;color:var(--accent-2);margin-bottom:16px}
.hero .lede{font-size:1.14rem;color:#ccdaea;max-width:34em;margin-bottom:26px}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;padding:13px 24px;border-radius:var(--radius);text-decoration:none;
  font-weight:700;font-size:.95rem;border:1.5px solid transparent;cursor:pointer;font-family:var(--sans)}
.btn-gold{background:var(--accent-2);color:#20150a;border-color:var(--accent-2)}
.btn-gold:hover{background:#cb9436;color:#20150a}
.btn-ghost{border-color:rgba(255,255,255,.42);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-3);color:#fff}
.btn-line{border-color:var(--line);color:var(--navy);background:#fff}
.btn-line:hover{border-color:var(--navy);background:var(--bg-2);color:var(--navy)}

.hero-card{background:rgba(255,255,255,.055);border:1px solid rgba(255,255,255,.17);
  border-radius:4px;padding:24px 26px;backdrop-filter:blur(2px)}
.hero-card h2{color:#fff;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;
  font-family:var(--sans);font-weight:700;margin:0 0 4px;color:var(--accent-2)}
.hero-card .asof{font-size:.74rem;color:#9fb4ca;margin:0 0 16px}
.hero-card dl{margin:0;display:grid;grid-template-columns:1fr auto;gap:0}
.hero-card dt{font-size:.86rem;color:#c3d3e4;padding:9px 0;border-top:1px solid rgba(255,255,255,.13)}
.hero-card dd{margin:0;font-size:.92rem;font-weight:700;color:#fff;padding:9px 0;text-align:right;
  border-top:1px solid rgba(255,255,255,.13);font-variant-numeric:tabular-nums}
.hero-card dt:first-of-type,.hero-card dd:first-of-type{border-top:0}
.hero-card .fine{font-size:.72rem;color:#9fb4ca;margin:14px 0 0;line-height:1.5}
.hero-card .fine a{color:#cfdbe8}

/* ---------- sections ---------- */
section{padding:62px 0}
section.tint{background:var(--bg-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
section.pad-sm{padding:44px 0}
.sec-head{max-width:46em;margin-bottom:34px}
.sec-head h2{margin-top:0}
.sec-head p{color:var(--ink-2);font-size:1.04rem;margin-bottom:0}
.eyebrow{font-size:.72rem;letter-spacing:.15em;text-transform:uppercase;font-weight:700;
  color:var(--accent);margin:0 0 10px}

.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}

.card{background:#fff;border:1px solid var(--line);border-radius:4px;padding:26px;
  display:flex;flex-direction:column}
.card.on-tint{background:#fff}
.card h3{margin-top:0;font-size:1.18rem}
.card p{color:var(--ink-2);font-size:.96rem}
.card p:last-child{margin-bottom:0}
.card .more{margin-top:auto;padding-top:14px;font-weight:700;font-size:.9rem;text-decoration:none}
.card .more:hover{text-decoration:underline}
.card .tag{font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;
  color:var(--accent);margin-bottom:9px;display:block}
a.card{text-decoration:none;color:inherit;transition:border-color .13s,box-shadow .13s}
a.card:hover{border-color:var(--navy-3);box-shadow:0 3px 14px rgba(16,21,28,.07)}

.stat{border-left:3px solid var(--accent-2);padding:4px 0 4px 18px}
.stat b{display:block;font-family:var(--serif);font-size:2rem;line-height:1.05;letter-spacing:-.02em}
.stat span{display:block;font-size:.88rem;color:var(--ink-3);margin-top:5px}

/* ---------- tables ---------- */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:4px;margin:0 0 14px;background:#fff}
table{width:100%;border-collapse:collapse;font-size:.92rem;min-width:520px}
caption{text-align:left;font-size:.82rem;color:var(--ink-3);padding:12px 16px;
  border-bottom:1px solid var(--line);background:var(--bg-2);font-weight:600}
th,td{padding:11px 16px;text-align:left;border-bottom:1px solid var(--line-2);vertical-align:top}
thead th{background:var(--navy);color:#fff;font-size:.74rem;letter-spacing:.07em;
  text-transform:uppercase;font-weight:700;border-bottom:0;white-space:nowrap}
tbody tr:last-child td{border-bottom:0}
tbody tr:nth-child(even){background:#fafcfd}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.src{font-size:.8rem;color:var(--ink-3);margin:0 0 26px}

/* ---------- callouts ---------- */
.note{border:1px solid var(--line);border-left:3px solid var(--navy-3);background:var(--bg-2);
  padding:18px 22px;border-radius:0 4px 4px 0;margin:26px 0;font-size:.95rem}
.note p:last-child{margin-bottom:0}
.note strong{color:var(--navy)}
.note.flag{border-left-color:var(--accent-2);background:var(--warn-wash)}
.note.flag strong{color:var(--warn)}
.cite{font-size:.86rem;color:var(--ink-3);font-style:italic}
code{background:var(--bg-3);padding:1px 5px;border-radius:2px;font-size:.88em;
  font-family:ui-monospace,SFMono-Regular,Menlo,monospace}

/* ---------- article ---------- */
.art-head{padding:52px 0 30px;border-bottom:1px solid var(--line)}
.art-head .wrap{max-width:820px}
.crumb{font-size:.82rem;color:var(--ink-3);margin-bottom:16px}
.crumb a{color:var(--ink-3)}
.art-meta{font-size:.84rem;color:var(--ink-3);margin:0}
.art-meta b{color:var(--accent);font-weight:700;letter-spacing:.1em;text-transform:uppercase;font-size:.72rem}
.art-body{padding:38px 0 56px}
.art-body .wrap{max-width:760px}
.art-body h2{font-size:1.5rem}
.art-body>.wrap>p:first-of-type{font-size:1.1rem;color:var(--ink-2)}
.art-body table{min-width:440px}
.toc{background:var(--bg-2);border:1px solid var(--line);border-radius:4px;padding:20px 24px;margin:0 0 32px}
.toc h2{font-family:var(--sans);font-size:.74rem;letter-spacing:.13em;text-transform:uppercase;
  margin:0 0 10px;color:var(--ink-3)}
.toc ol{margin:0;padding-left:1.2em;font-size:.94rem}
.toc li{margin-bottom:.3em}
.endnote{border-top:1px solid var(--line);margin-top:40px;padding-top:22px;font-size:.88rem;color:var(--ink-3)}
.endnote h3{font-family:var(--sans);font-size:.74rem;letter-spacing:.13em;text-transform:uppercase;
  margin:0 0 10px;color:var(--ink-3)}
.endnote ul{padding-left:1.2em;margin-bottom:0}
.endnote li{margin-bottom:.35em}
.nextprev{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:34px}
@media(max-width:620px){.nextprev{grid-template-columns:1fr}}
.nextprev a{display:block;border:1px solid var(--line);border-radius:4px;padding:16px 18px;
  text-decoration:none;color:var(--ink);font-size:.93rem}
.nextprev a:hover{border-color:var(--navy-3);background:var(--bg-2)}
.nextprev span{display:block;font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;
  color:var(--ink-3);font-weight:700;margin-bottom:5px}

/* ---------- insights list ---------- */
.ins-list{border-top:1px solid var(--line)}
.ins-item{display:grid;grid-template-columns:auto 1fr;gap:26px;padding:24px 0;
  border-bottom:1px solid var(--line);align-items:baseline}
@media(max-width:700px){.ins-item{grid-template-columns:1fr;gap:6px}}
.ins-num{font-family:var(--serif);font-size:1.5rem;color:var(--line);font-weight:600;
  font-variant-numeric:tabular-nums;line-height:1}
.ins-item h3{margin:0 0 7px;font-size:1.13rem}
.ins-item h3 a{text-decoration:none;color:var(--ink)}
.ins-item h3 a:hover{color:var(--navy-3);text-decoration:underline}
.ins-item p{margin:0;color:var(--ink-2);font-size:.95rem}
.ins-item .tag{font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;
  color:var(--accent);margin-bottom:7px;display:block}
.filters{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:8px}
.filters button{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 15px;
  font-size:.84rem;font-weight:600;color:var(--ink-2);cursor:pointer;font-family:var(--sans)}
.filters button:hover{border-color:var(--navy-3);color:var(--navy)}
.filters button[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}

/* ---------- glossary ---------- */
.gloss-nav{display:flex;flex-wrap:wrap;gap:5px;margin-bottom:30px}
.gloss-nav a{display:inline-block;min-width:30px;text-align:center;padding:5px 8px;border:1px solid var(--line);
  border-radius:3px;text-decoration:none;font-size:.84rem;font-weight:700;color:var(--navy)}
.gloss-nav a:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.gloss-nav span{display:inline-block;min-width:30px;text-align:center;padding:5px 8px;
  border:1px solid var(--line-2);border-radius:3px;font-size:.84rem;color:var(--line);font-weight:700}
.gl-letter{font-family:var(--serif);font-size:1.5rem;color:var(--navy);border-bottom:2px solid var(--accent-2);
  padding-bottom:5px;margin:38px 0 4px;scroll-margin-top:90px}
.gl-letter:first-of-type{margin-top:0}
dl.gloss{margin:0}
dl.gloss dt{font-weight:700;margin-top:20px;font-size:1rem;color:var(--ink);scroll-margin-top:90px}
dl.gloss dd{margin:5px 0 0;color:var(--ink-2);font-size:.95rem}
dl.gloss dd .cite{display:block;margin-top:4px;font-size:.82rem}

/* ---------- faq ---------- */
.faq-group{margin-bottom:40px}
.faq-group>h2{margin-top:0;padding-bottom:8px;border-bottom:2px solid var(--accent-2)}
details.qa{border-bottom:1px solid var(--line)}
details.qa summary{cursor:pointer;padding:16px 34px 16px 0;font-weight:700;font-size:1.01rem;
  position:relative;list-style:none;color:var(--ink)}
details.qa summary::-webkit-details-marker{display:none}
details.qa summary:hover{color:var(--navy-3)}
details.qa summary::after{content:"+";position:absolute;right:4px;top:14px;font-size:1.35rem;
  font-weight:400;color:var(--accent);line-height:1}
details.qa[open] summary::after{content:"\2013"}
details.qa .ans{padding:0 0 18px;font-size:.96rem;color:var(--ink-2)}
details.qa .ans p:last-child,details.qa .ans ul:last-child{margin-bottom:0}

/* ---------- form ---------- */
.form-shell{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
@media(max-width:860px){.form-shell{grid-template-columns:1fr;gap:34px}}
form.inq{background:#fff;border:1px solid var(--line);border-radius:4px;padding:28px}
.fld{margin-bottom:17px}
.fld-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:560px){.fld-2{grid-template-columns:1fr}}
label{display:block;font-size:.84rem;font-weight:700;color:var(--ink-2);margin-bottom:5px}
label .req{color:#a33;font-weight:400}
input[type=text],input[type=email],input[type=tel],select,textarea{
  width:100%;padding:11px 13px;border:1px solid #c9d3dd;border-radius:3px;font-size:.96rem;
  font-family:var(--sans);color:var(--ink);background:#fff}
textarea{min-height:104px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:2px solid var(--navy-3);outline-offset:-1px;border-color:var(--navy-3)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.84rem;color:var(--ink-3);margin-bottom:18px}
.consent input{margin-top:3px;flex-shrink:0}
.consent label{font-weight:400;font-size:.84rem;color:var(--ink-3);margin:0}
form.inq .btn{width:100%}
.form-note{font-size:.8rem;color:var(--ink-3);margin:14px 0 0;line-height:1.5}
.contact-lines{list-style:none;padding:0;margin:0 0 26px}
.contact-lines li{display:flex;gap:13px;padding:13px 0;border-bottom:1px solid var(--line-2);font-size:.96rem}
.contact-lines b{display:block;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;
  color:var(--ink-3);margin-bottom:3px}
.contact-lines .ic{color:var(--accent);flex-shrink:0;width:19px;text-align:center;font-weight:700}

/* ---------- footer ---------- */
.disclaimer{background:var(--bg-2);border-top:1px solid var(--line);padding:34px 0;font-size:.82rem;
  color:var(--ink-3);line-height:1.62}
.disclaimer h2{font-family:var(--sans);font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;
  color:var(--ink-2);margin:0 0 10px}
.disclaimer p{margin:0 0 .85em;max-width:none}
.disclaimer p:last-child{margin-bottom:0}
footer.site{background:var(--navy-2);color:#a9bccf;padding:48px 0 26px;font-size:.89rem}
footer.site a{color:#dce6f0;text-decoration:none}
footer.site a:hover{color:#fff;text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:34px;margin-bottom:34px}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr;gap:28px}}
@media(max-width:520px){.foot-grid{grid-template-columns:1fr}}
.foot-grid h3{color:#fff;font-family:var(--sans);font-size:.72rem;letter-spacing:.14em;
  text-transform:uppercase;margin:0 0 13px}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin-bottom:8px}
.foot-brand b{font-family:var(--serif);color:#fff;font-size:1.15rem;display:block;margin-bottom:9px}
.foot-brand p{font-size:.86rem;line-height:1.6;margin:0 0 14px}
.foot-bot{border-top:1px solid rgba(255,255,255,.13);padding-top:20px;display:flex;
  justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.8rem}
.foot-bot p{margin:0}