:root{--cream:#f4eee3;--cream-2:#fbf7ef;--paper:#fffaf2;--navy:#102c49;--ink:#293949;--blue:#315f87;--tan:#b7986d;--muted:#697580;--line:#d9cfbf;--soft:#eee4d6}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:Verdana,Arial,sans-serif;line-height:1.76;-webkit-font-smoothing:antialiased}a{color:var(--navy);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:1180px;margin:0 auto;padding:0 32px}header{background:rgba(251,247,239,.97);border-bottom:1px solid var(--line)}.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-size:27px;font-weight:800;letter-spacing:-1.4px;color:var(--navy)}.navlinks{display:flex;gap:22px;align-items:center;flex-wrap:wrap;font-size:13px}.navlinks a{color:#243849}
.hero{padding:80px 0 68px;background:linear-gradient(112deg,var(--cream-2),var(--cream) 76%,#ece0cf)}.eyebrow{font-size:11px;letter-spacing:3.4px;text-transform:uppercase;color:var(--blue);font-weight:700}.hero h1,.article h1{font-family:Georgia,'Times New Roman',serif;color:var(--navy);font-weight:500;letter-spacing:-2px;line-height:1.04}.hero h1{font-size:clamp(50px,6.2vw,78px);max-width:1000px;margin:17px 0 24px}.article h1{font-size:clamp(46px,5.5vw,68px);margin:16px 0 22px}.lead{font-family:Georgia,'Times New Roman',serif;font-size:23px;line-height:1.5;max-width:900px;color:#31475a}
.btns{display:flex;gap:11px;flex-wrap:wrap;margin:30px 0 12px}.btn{display:inline-block;padding:13px 18px;border:1px solid #9aa6b0;border-radius:4px;background:var(--paper);font-weight:700;font-size:13px}.btn.primary{background:var(--navy);border-color:var(--navy);color:#fff}
.band{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--paper)}.bandgrid{display:grid;grid-template-columns:repeat(4,1fr)}.metric{padding:23px 20px;border-right:1px solid var(--line)}.metric:last-child{border:0}.metric strong{display:block;color:var(--navy);font-family:Georgia,serif;font-size:20px;font-weight:500}
main.article{max-width:960px;margin:0 auto;padding:0 32px 72px}.crumbs{font-size:12px;color:var(--muted);padding:28px 0}.article h2{font-family:Georgia,'Times New Roman',serif;color:var(--navy);font-size:34px;font-weight:500;line-height:1.2;margin:52px 0 15px}.article h3{font-family:Georgia,'Times New Roman',serif;color:var(--navy);font-size:23px;font-weight:500;margin:30px 0 9px}.article p{font-size:15.4px;margin:0 0 19px}.article ul{padding-left:22px}.article li{margin-bottom:8px}.callout{margin:32px 0;padding:24px 26px;background:var(--paper);border-left:3px solid var(--tan)}.callout strong{color:var(--navy)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:28px 0}.card{background:rgba(255,250,242,.82);border:1px solid var(--line);border-radius:6px;padding:24px}.card h3{margin-top:0}.linksection{margin-top:54px;padding-top:28px;border-top:1px solid var(--line)}.links{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.links a{display:block;padding:12px 14px;background:rgba(255,250,242,.76);border:1px solid var(--line);border-radius:4px;font-size:13px}.indexlinks{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin:20px 0}.indexlinks a{display:block;padding:11px 13px;background:rgba(255,250,242,.72);border:1px solid var(--line);border-radius:4px;font-size:12.5px}
.smallnote{font-size:11px;color:var(--muted)}footer{background:var(--soft);border-top:1px solid var(--line);padding:31px 0 44px;font-size:12px;color:var(--muted)}.foot{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
@media(max-width:800px){.navlinks{display:none}.wrap,main.article{padding-left:22px;padding-right:22px}.cards,.indexlinks,.links,.bandgrid{grid-template-columns:1fr}.metric{border-right:0;border-bottom:1px solid var(--line)}.hero{padding:57px 0 50px}.hero h1,.article h1{letter-spacing:-1px}}