:root {
  color-scheme: light;
  --ink: #17233b;
  --muted: #536079;
  --paper: #ffffff;
  --wash: #f4f7fb;
  --brand: #315c9b;
  --brand-dark: #234675;
  --line: #dce3ed;
  --accent: #dbe8f8;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); line-height: 1.65; }
a { color: var(--brand-dark); text-underline-offset: 0.2em; }
a:hover { color: var(--brand); }
a:focus-visible { outline: 3px solid #e3a82b; outline-offset: 3px; border-radius: 2px; }
.skip-link { position: absolute; left: -9999px; top: 0; }
.skip-link:focus { left: 1rem; top: 1rem; z-index: 10; padding: .65rem 1rem; background: var(--paper); }
.wrap { width: min(1120px, calc(100% - 2rem)); margin-inline: auto; }
.site-header { border-bottom: 1px solid var(--line); background: rgba(255,255,255,.96); }
.nav { min-height: 72px; display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.brand { color: var(--ink); font-size: 1.2rem; font-weight: 750; text-decoration: none; letter-spacing: -.02em; }
.nav-links { display: flex; flex-wrap: wrap; gap: .4rem 1.35rem; list-style: none; padding: 0; margin: 0; }
.nav-links a { font-size: .95rem; font-weight: 600; text-decoration: none; }
main { min-height: 65vh; }
.hero { padding: clamp(4.5rem, 11vw, 8rem) 0; background: linear-gradient(145deg, var(--wash), #fff 65%); }
.eyebrow { margin: 0 0 .8rem; color: var(--brand); font-size: .82rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
h1, h2, h3 { line-height: 1.18; letter-spacing: -.025em; }
h1 { max-width: 760px; margin: 0; font-size: clamp(2.5rem, 7vw, 5rem); }
.lede { max-width: 700px; margin: 1.4rem 0 0; color: var(--muted); font-size: clamp(1.08rem, 2.2vw, 1.35rem); }
.section { padding: clamp(3.5rem, 8vw, 6rem) 0; }
.section + .section { border-top: 1px solid var(--line); }
.grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.5rem; }
.card { padding: clamp(1.5rem, 4vw, 2.4rem); background: var(--wash); border: 1px solid var(--line); border-radius: 18px; }
.card h2, .card h3 { margin-top: 0; }
.notice { padding: 1.25rem 1.4rem; background: var(--accent); border-left: 4px solid var(--brand); border-radius: 4px; }
.button { display: inline-block; margin-top: 1.2rem; padding: .75rem 1rem; color: #fff; background: var(--brand-dark); border-radius: 7px; font-weight: 700; text-decoration: none; }
.button:hover { color: #fff; background: var(--brand); }
.document { width: min(780px, calc(100% - 2rem)); margin: 0 auto; padding: clamp(3rem, 8vw, 6rem) 0; }
.document h1 { font-size: clamp(2.2rem, 6vw, 3.7rem); }
.document h2 { margin-top: 2.6rem; font-size: 1.55rem; }
.document h3 { margin-top: 1.8rem; }
.document li + li { margin-top: .45rem; }
.meta { color: var(--muted); }
.disclosures { padding: 1.5rem; background: var(--wash); border: 2px solid var(--brand); border-radius: 12px; }
.disclosures p { margin: .5rem 0; }
.quote { padding: 1.25rem; background: var(--wash); border-left: 4px solid var(--brand); }
.site-footer { padding: 2rem 0; color: var(--muted); background: var(--wash); border-top: 1px solid var(--line); }
.footer-inner { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem 2rem; }
.footer-links { display: flex; flex-wrap: wrap; gap: .5rem 1.2rem; }
.footer-links a { color: var(--ink); }
@media (max-width: 680px) {
  .nav { align-items: flex-start; flex-direction: column; padding: 1rem 0; gap: .7rem; }
  .grid { grid-template-columns: 1fr; }
  .hero { padding-top: 3.5rem; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }