:root{
  --ink:#1b1d20; --ink-2:#4a4f57; --paper:#f6f4ef; --card:#ffffff; --line:#e2ded5;
  --asphalt:#16181b; --asphalt-2:#24272c; --amber:#f2a900; --amber-d:#c98a00; --link:#8a5a00;
  --font-display:'Barlow Condensed','Arial Narrow',sans-serif; --font-body:'Archivo','Helvetica Neue',sans-serif;
  --r:10px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--font-body);font-size:17px;line-height:1.65}
img{max-width:100%;height:auto;display:block}
a{color:var(--link)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.top{background:var(--asphalt);color:#fff;position:sticky;top:0;z-index:20;border-bottom:3px solid var(--amber)}
.top-row{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:12px;padding-bottom:8px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;min-width:0}
.logo-mark{font-family:var(--font-display);font-weight:700;background:var(--mark,#1f5fa8);color:#fff;border:2px solid #fff;border-radius:6px 6px 14px 14px;padding:2px 7px;font-size:15px;letter-spacing:.5px;flex:none}
.logo-name{font-family:var(--font-display);font-weight:700;font-size:22px;letter-spacing:.3px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.mainnav{display:flex;gap:18px;overflow-x:auto;padding-bottom:10px;scrollbar-width:none;-webkit-overflow-scrolling:touch}
.mainnav::-webkit-scrollbar{display:none}
.mainnav a{color:#d9dce1;text-decoration:none;font-size:14px;font-weight:500;white-space:nowrap}
.mainnav a:hover{color:var(--amber)}
.btn{display:inline-block;background:var(--amber);color:var(--on-accent,#121212);font-weight:600;text-decoration:none;border-radius:var(--btn-r,999px);padding:12px 22px;font-size:16px;transition:background .15s}
.btn:hover{background:var(--amber-d)}
.btn-sm{padding:8px 14px;font-size:14px;white-space:nowrap}
.btn-lg{padding:15px 28px;font-size:18px}
.btn-block{display:block;text-align:center}
.crumbs{max-width:1080px;margin:14px auto 0;padding:0 20px;font-size:13px;color:var(--ink-2)}
.crumbs a{color:var(--ink-2)}
.content{padding-top:18px;padding-bottom:40px}
.content h1{font-family:var(--font-display);font-weight:700;font-size:clamp(32px,5vw,48px);line-height:1.05;margin:6px 0 18px;max-width:22ch}
.content h2{font-family:var(--font-display);font-weight:700;font-size:28px;line-height:1.15;margin:36px 0 10px}
.content p,.content li{max-width:70ch}
.kicker{font-size:13px;font-weight:600;letter-spacing:1.2px;text-transform:uppercase;color:var(--amber-d);margin:0}
.lede{font-size:19px}
.home-hero{position:relative;border-radius:var(--r);overflow:hidden;background:var(--asphalt);color:#fff;margin:6px 0 10px}
.home-hero img{width:100%;aspect-ratio:16/8;object-fit:cover;opacity:.55}
.home-hero-text{position:absolute;inset:auto 0 0 0;padding:28px;background:linear-gradient(rgba(10,11,13,0),rgba(10,11,13,.88) 30%,rgba(10,11,13,.94))}
.home-hero-text .lede{max-width:56ch;margin:6px 0 16px}
.home-hero-text .kicker{color:color-mix(in srgb,var(--amber) 45%,#fff);text-shadow:0 1px 2px rgba(0,0,0,.6)}
.hero-note{font-size:14px;color:#cfd3d8;margin:12px 0 0}
.page-hero{max-width:1080px;margin:14px auto 0;padding:0 20px}
.page-hero img{border-radius:var(--r);aspect-ratio:16/6;object-fit:cover;width:100%}
figure{margin:24px 0}
figure img{border-radius:var(--r);aspect-ratio:3/2;object-fit:cover;width:100%;max-width:760px}
figcaption{font-size:14px;color:var(--ink-2);margin-top:6px}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px;margin:14px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s}
.card:hover{border-color:var(--amber);transform:translateY(-2px)}
.card h3{font-family:var(--font-body);font-size:18px;font-weight:600;margin:0 0 6px}
.card p{font-size:15px;color:var(--ink-2);margin:0}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:var(--card)}
table{border-collapse:collapse;width:100%;font-size:15px}
th,td{text-align:left;padding:10px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:color-mix(in srgb,var(--line) 55%,#fff);font-weight:600}
tr:last-child td{border-bottom:0}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:12px 16px;margin:8px 0;max-width:760px}
.faq summary{cursor:pointer;font-weight:600}
.related ul,.sources ul{padding-left:18px}
.sources{font-size:14px;color:var(--ink-2)}
.cta-band{background:var(--asphalt);color:#fff;padding:36px 0}
.cta-band h2{font-family:var(--font-display);font-size:32px;margin:0 0 6px}
.cta-band p{color:#cfd3d8;max-width:60ch}
.foot{background:#0f1012;color:#b9bdc4;padding:32px 0 90px;font-size:14px}
.foot a{color:#d9dce1}
.foot-cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
.foot ul{list-style:none;padding:0;margin:8px 0}
.foot li{margin:3px 0}
.disclosure{border-top:1px solid #2a2d33;padding-top:16px;margin-top:20px;max-width:90ch}
.small{font-size:13px;color:#8b9098}
.callbar{position:fixed;left:0;right:0;bottom:0;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(22,24,27,.96);transform:translateY(110%);transition:transform .2s;z-index:30}
.callbar.show{transform:none}
@media (min-width:900px){.callbar{display:none}.foot{padding-bottom:32px}}
@media (max-width:700px){
  body{font-size:16px}
  .foot-cols{grid-template-columns:1fr}
  .logo-name{font-size:17px;white-space:normal;line-height:1.05;overflow:visible}
  .home-hero img{aspect-ratio:16/10;opacity:.9}
  .home-hero-text{position:static;padding:18px 20px 22px;background:var(--asphalt)}
  .page-hero img{aspect-ratio:16/9}
}
/* ---- theme variants ---- */
.hd-light .top{background:#fff;color:var(--ink);border-bottom:3px solid var(--amber);box-shadow:0 1px 0 var(--line)}
.hd-light .logo{color:var(--ink)}
.hd-light .logo-mark{border-color:var(--mark)}
.hd-light .mainnav a{color:var(--ink-2)}
.hd-light .mainnav a:hover{color:var(--link)}
.hd-accent .top{border-bottom:0;box-shadow:inset 0 5px 0 var(--amber)}
.hd-accent .top-row{padding-top:16px}
.hd-accent .mainnav{border-top:1px solid rgba(255,255,255,.1);padding-top:9px}
.cards-shadow .card{border-color:transparent;box-shadow:0 1px 2px rgba(0,0,0,.06),0 6px 18px rgba(0,0,0,.06)}
.cards-shadow .card:hover{border-color:transparent;box-shadow:0 2px 4px rgba(0,0,0,.08),0 12px 26px rgba(0,0,0,.1)}
.cards-stripe .card{border-left:4px solid var(--amber)}
.cards-stripe .card:hover{transform:none;background:color-mix(in srgb,var(--amber) 6%,#fff)}
.cards-stripe .faq details{border-left:4px solid var(--amber)}
.hero-band .home-hero{display:flex;flex-direction:column}
.hero-band .home-hero-text{position:static;order:-1;background:var(--asphalt);padding:26px 28px 24px}
.hero-band .home-hero img{opacity:1;aspect-ratio:16/6}
@media (min-width:900px){
  .hero-split .home-hero{display:grid;grid-template-columns:1fr 1.15fr;align-items:stretch}
  .hero-split .home-hero img{opacity:1;height:100%;aspect-ratio:auto;min-height:380px;order:2}
  .hero-split .home-hero-text{position:static;background:var(--asphalt);padding:34px 32px;display:flex;flex-direction:column;justify-content:center}
}
@media (max-width:700px){.hero-band .home-hero img{aspect-ratio:16/10}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}