:root{
  --navy:#071A30;
  --gold:#FDCC02;
  --ink:#17202A;
  --muted:#5F6B76;
  --paper:#F7F8FA;
  --line:#DFE4EA;
  --white:#FFFFFF;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
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:1.55}
a{color:var(--navy)}
.wrap{width:min(940px,calc(100% - 40px));margin:0 auto}
header{background:var(--white);border-bottom:1px solid var(--line)}
.nav{min-height:68px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:inline-flex;align-items:center;text-decoration:none;color:var(--navy)}
.brand img{display:block;max-height:44px;max-width:190px;width:auto;height:auto;object-fit:contain}
nav{display:flex;gap:20px}
nav a{font-size:.93rem;font-weight:650;text-decoration:none}
.hero{background:var(--navy);color:white;padding:84px 0 88px;border-bottom:7px solid var(--gold)}
.eyebrow{margin:0 0 16px;color:var(--gold);font-weight:800;font-size:.82rem;text-transform:uppercase;letter-spacing:.08em}
.hero h1{max-width:780px;margin:0 0 20px;font-size:clamp(2.8rem,7vw,5.4rem);line-height:.96;letter-spacing:-.055em}
.lede{max-width:760px;margin:0;color:#E0E8F0;font-size:clamp(1.05rem,2.1vw,1.25rem);line-height:1.55}
.topics{display:grid;grid-template-columns:repeat(3,1fr);gap:0;background:white;border:1px solid var(--line);border-radius:14px;margin-top:48px;overflow:hidden}
.topic{padding:27px 28px}
.topic+.topic{border-left:1px solid var(--line)}
.topic h2{margin:0 0 7px;color:var(--navy);font-size:1.05rem}
.topic h2:after{content:"";display:block;width:34px;height:4px;background:var(--gold);border-radius:999px;margin-top:10px}
.topic p{margin:10px 0 0;color:var(--muted);font-size:.95rem}
.disclaimer{margin-top:28px}
.disclaimer p{margin:0;background:#FFF8D6;border-left:5px solid var(--gold);border-radius:8px;padding:18px 20px;color:#34404A;font-size:.93rem}
footer{padding:44px 0;color:var(--muted);font-size:.88rem}
.foot{border-top:1px solid var(--line);padding-top:22px;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
.foot a{color:var(--muted)}
article{background:white;border:1px solid var(--line);border-radius:14px;padding:clamp(24px,5vw,48px);margin-top:48px}
article h1{margin-top:0;color:var(--navy);font-size:clamp(2rem,5vw,3rem);letter-spacing:-.035em}
article h2{margin-top:2rem;color:var(--navy);font-size:1.2rem}
article p,article li{color:#34404A}
.note{background:#FFF8D6;border-left:4px solid var(--gold);padding:14px 16px;border-radius:6px}
@media(max-width:720px){
  .nav{align-items:flex-start;flex-direction:column;padding:16px 0}
  .topics{grid-template-columns:1fr}
  .topic+.topic{border-left:0;border-top:1px solid var(--line)}
  .hero{padding:64px 0 68px}
}