:root{--ink:#17323a;--muted:#5d7075;--paper:#fbfcfa;--sea:#dfeeea;--line:#d8e1df;--accent:#1d6c67;--accent2:#124b48;--warm:#f5efe4;--white:#fff;--max:1120px}
*{box-sizing:border-box} body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}
a{color:var(--accent2)} .wrap{max-width:var(--max);margin:auto;padding:0 22px}.topnote{background:var(--ink);color:#fff;font-size:.88rem;padding:8px 0}.topnote a{color:#fff}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:70px}.brand{font-weight:800;text-decoration:none;color:var(--ink);letter-spacing:-.02em}.brand span{color:var(--accent)}
nav{display:flex;gap:20px;flex-wrap:wrap}nav a{text-decoration:none;font-weight:650;color:var(--ink);font-size:.95rem}
.hero{padding:76px 0 56px;background:linear-gradient(135deg,var(--sea),var(--paper) 70%)}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:800;font-size:.78rem;color:var(--accent)}
h1{font-size:clamp(2.25rem,6vw,4.7rem);line-height:1.03;letter-spacing:-.055em;margin:.15em 0}.lede{font-size:1.2rem;color:var(--muted);max-width:760px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}.card h2,.card h3{margin-top:0}.section{padding:54px 0}.section.alt{background:#fff}.btn{display:inline-block;background:var(--accent);color:#fff!important;text-decoration:none;font-weight:800;padding:13px 18px;border-radius:10px}.btn:hover{background:var(--accent2)}
.btn.secondary{background:transparent;color:var(--accent2)!important;border:1px solid var(--accent)}.cta{background:var(--ink);color:#fff;border-radius:18px;padding:28px}.cta p{color:#dbe7e6}.cta .btn{background:#fff;color:var(--ink)!important}
.article{max-width:790px;margin:auto;padding:48px 22px 70px}.article h1{font-size:clamp(2.2rem,5vw,3.7rem)}.article h2{margin-top:2.2em;font-size:1.7rem;letter-spacing:-.025em}.article h3{margin-top:1.7em}.article p,.article li{font-size:1.04rem}
.notice{background:var(--warm);border-left:4px solid #a87528;padding:16px 18px;border-radius:8px;margin:24px 0}.evidence{background:var(--sea);padding:18px;border-radius:12px;margin:24px 0}.money{border:1px solid var(--line);background:#fff;padding:22px;border-radius:14px;margin:28px 0}.money strong{display:block;font-size:1.15rem;margin-bottom:8px}
table{width:100%;border-collapse:collapse;margin:24px 0;background:#fff}th,td{text-align:left;padding:13px;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--sea)}
.breadcrumb{font-size:.9rem;color:var(--muted);margin-bottom:20px}.breadcrumb a{color:var(--muted)}
footer{background:#10292f;color:#d8e4e2;padding:40px 0}footer a{color:#fff}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}.small{font-size:.88rem;color:var(--muted)}
@media(max-width:760px){.grid,.foot{grid-template-columns:1fr}.nav{align-items:flex-start;padding:14px 0;flex-direction:column}nav{gap:12px}.hero{padding-top:48px}h1{font-size:2.7rem}table{font-size:.92rem}.article{padding-top:32px}}