*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #1e3a5f;
  --navy-light: #2d527a;
  --green: #15803d;
  --green-light: #bbf7d0;
  --text: #111827;
  --muted: #6b7280;
  --border: #e5e7eb;
  --bg-alt: #f9fafb;
}

body {
  font-family: system-ui, -apple-system, sans-serif;
  color: var(--text);
  line-height: 1.6;
}

a { color: inherit; text-decoration: none; }

/* NAV */
nav {
  position: sticky;
  top: 0;
  z-index: 10;
  background: #fff;
  border-bottom: 1px solid var(--border);
  padding: 0 1.5rem;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo { font-size: 1.1rem; font-weight: 700; color: var(--navy); letter-spacing: -0.01em; }
.nav-links { display: flex; gap: 1.25rem; align-items: center; font-size: 0.9rem; font-weight: 600; color: var(--muted); }
.nav-links a:hover { color: var(--navy); }
.nav-cta {
  background: var(--navy);
  color: #fff;
  padding: 0.45rem 1.1rem;
  border-radius: 6px;
  font-size: 0.9rem;
  font-weight: 600;
  transition: background 0.15s;
}
.nav-cta:hover { background: var(--navy-light); }

/* HERO */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, #2a4f7c 100%);
  color: #fff;
  padding: 4rem 1.5rem 3rem;
}

.hero-inner { max-width: 780px; margin: 0 auto; }

.hero .crumbs { font-size: 0.8rem; color: rgba(255,255,255,0.6); margin-bottom: 1.25rem; }
.hero .crumbs a { color: rgba(255,255,255,0.8); }
.hero .crumbs a:hover { color: #fff; }

.hero h1 {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
}

.hero .lede {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.85);
  max-width: 640px;
  margin-bottom: 1.75rem;
}

.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; }

.btn-primary {
  background: #16a34a;
  color: #fff;
  padding: 0.85rem 2rem;
  border-radius: 8px;
  font-size: 1.05rem;
  font-weight: 700;
  transition: background 0.15s, transform 0.1s;
  display: inline-block;
}
.btn-primary:hover { background: #15803d; transform: translateY(-1px); }

.hero-note { margin-top: 1rem; font-size: 0.85rem; color: rgba(255,255,255,0.55); }

/* ARTICLE */
.article {
  max-width: 780px;
  margin: 0 auto;
  padding: 3.5rem 1.5rem 4rem;
}

.article h2 {
  font-size: 1.5rem;
  font-weight: 800;
  letter-spacing: -0.01em;
  color: var(--navy);
  margin: 2.5rem 0 0.75rem;
}

.article h2:first-child { margin-top: 0; }

.article h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin: 1.75rem 0 0.5rem;
}

.article p { margin-bottom: 1rem; color: #1f2937; }

.article a { color: var(--navy); font-weight: 600; }
.article a:hover { text-decoration: underline; }

.article ul, .article ol { margin: 0 0 1rem 1.5rem; }
.article li { margin-bottom: 0.4rem; }

.article table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.25rem 0;
  font-size: 0.92rem;
}

.article th, .article td {
  border: 1px solid var(--border);
  padding: 0.55rem 0.75rem;
  text-align: left;
}

.article th { background: var(--bg-alt); color: var(--navy); font-weight: 700; }

.callout {
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  border-radius: 10px;
  padding: 1rem 1.25rem;
  margin: 1.5rem 0;
  font-size: 0.95rem;
}

.callout strong { color: var(--green); }

.disclaimer {
  font-size: 0.82rem;
  color: var(--muted);
  border-top: 1px solid var(--border);
  margin-top: 3rem;
  padding-top: 1rem;
}

/* CTA */
.cta-banner {
  background: var(--navy);
  color: #fff;
  text-align: center;
  padding: 3.5rem 1.5rem;
}
.cta-banner h2 { font-size: 1.5rem; font-weight: 800; margin-bottom: 0.75rem; }
.cta-banner p { font-size: 1rem; color: rgba(255,255,255,0.75); max-width: 480px; margin: 0 auto 1.5rem; }

/* FOOTER */
footer {
  background: #f3f4f6;
  border-top: 1px solid var(--border);
  padding: 2rem 1.5rem;
  text-align: center;
  font-size: 0.85rem;
  color: var(--muted);
}
footer a { color: var(--navy); font-weight: 600; }
footer a:hover { text-decoration: underline; }

@media (max-width: 640px) {
  nav {
    height: auto;
    flex-wrap: wrap;
    padding: 0.65rem 1rem;
    row-gap: 0.35rem;
  }

  .nav-links { gap: 0.75rem; }
}