:root{
  --ink:#0b1739; --muted:#5c6880; --paper:#f7f9fc; --card:#ffffff;
  --line:#dfe5ef; --accent:#ffca3a; --accent2:#19b394; --nav:#08142f;
  --danger:#8f2d3e; --radius:18px; --shadow:0 12px 36px rgba(7,20,47,.09);
}
*{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:1.65}
a{color:#0b5bd3;text-decoration-thickness:.08em;text-underline-offset:.16em}
a:hover{color:#063f95}
.wrap{width:min(1120px,92vw);margin:auto}
.topnote{background:#fff4cf;border-bottom:1px solid #f0df9d;font-size:.89rem}
.topnote .wrap{padding:.65rem 0;display:flex;gap:.75rem;align-items:center}
.badge{display:inline-flex;align-items:center;gap:.4rem;background:#10234d;color:white;border-radius:999px;padding:.28rem .65rem;font-size:.78rem;font-weight:800;letter-spacing:.03em}
header{background:var(--nav);color:white;position:sticky;top:0;z-index:20;box-shadow:0 4px 22px rgba(0,0,0,.12)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:1rem}
.brand{font-weight:900;font-size:1.3rem;color:white;text-decoration:none;letter-spacing:-.03em}
.brand span{color:var(--accent)}
nav{display:flex;gap:.9rem;flex-wrap:wrap;align-items:center}
nav a{color:#eaf0ff;text-decoration:none;font-weight:700;font-size:.92rem}
nav a:hover{color:var(--accent)}
.hero{padding:5.2rem 0 4rem;background:
radial-gradient(circle at 82% 18%,rgba(255,202,58,.23),transparent 22rem),
linear-gradient(135deg,#08142f,#132a5c);color:white}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:3rem;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.77rem;font-weight:900;color:#ffd864}
h1{font-size:clamp(2.5rem,5vw,4.5rem);line-height:1.02;letter-spacing:-.045em;margin:.5rem 0 1.2rem}
.hero p{font-size:1.15rem;color:#dce6ff;max-width:720px}
.hero-card{background:white;color:var(--ink);border-radius:24px;padding:1.5rem;box-shadow:var(--shadow)}
.hero-card .ballrow{display:flex;gap:.55rem;flex-wrap:wrap;margin:1rem 0}
.ball{width:45px;height:45px;border-radius:50%;display:grid;place-items:center;background:#eef3ff;border:1px solid #d5def2;font-weight:900}
.ball.gold{background:var(--accent);border-color:#e4b11c}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.45rem;padding:.82rem 1.05rem;border-radius:12px;font-weight:900;text-decoration:none;border:1px solid transparent}
.btn-primary{background:var(--accent);color:#172039}
.btn-primary:hover{background:#f0b90f;color:#172039}
.btn-secondary{background:white;color:var(--ink);border-color:var(--line)}
.section{padding:4rem 0}
.section-sm{padding:2.5rem 0}
.kicker{font-size:.78rem;text-transform:uppercase;letter-spacing:.13em;font-weight:900;color:#11836f}
h2{font-size:clamp(1.65rem,3vw,2.4rem);line-height:1.15;letter-spacing:-.03em;margin:.4rem 0 1rem}
h3{font-size:1.22rem;line-height:1.25;margin:1.6rem 0 .55rem}
p{margin:.75rem 0 1rem}
.lede{font-size:1.13rem;color:#3e4a62}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.35rem;box-shadow:0 7px 22px rgba(7,20,47,.05)}
.card h3{margin-top:0}
.card a.stretch{font-weight:900;text-decoration:none}
.article-wrap{display:grid;grid-template-columns:minmax(0,760px) 290px;gap:2rem;align-items:start}
article{background:white;border:1px solid var(--line);border-radius:22px;padding:clamp(1.35rem,3vw,2.4rem);box-shadow:var(--shadow)}
article h1{font-size:clamp(2.3rem,4vw,3.7rem);color:var(--ink);margin:.35rem 0 .8rem}
article ul, article ol{padding-left:1.2rem}
article li{margin:.5rem 0}
aside{position:sticky;top:98px}
.callout{border-left:5px solid var(--accent2);background:#edf9f6;padding:1rem 1.15rem;border-radius:12px;margin:1.4rem 0}
.warning{border-left-color:#d29f00;background:#fff8de}
.danger{border-left-color:var(--danger);background:#fff0f2}
.cta{background:#0d224f;color:white;border-radius:18px;padding:1.2rem;margin:1.5rem 0}
.cta h3{margin:.1rem 0 .45rem;color:white}
.cta p{color:#dce7ff}
.meta{display:flex;gap:.8rem;flex-wrap:wrap;color:#68738a;font-size:.88rem;border-bottom:1px solid var(--line);padding-bottom:1rem;margin-bottom:1rem}
.breadcrumbs{font-size:.84rem;margin-bottom:1rem;color:#6b7384}
.breadcrumbs a{color:#526078}
table{width:100%;border-collapse:collapse;margin:1.3rem 0;background:white}
th,td{padding:.8rem;border:1px solid var(--line);text-align:left;vertical-align:top}
th{background:#f0f4fa}
footer{background:#07132d;color:#c9d4ea;margin-top:4rem}
footer a{color:#f1f5ff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem;padding:3rem 0}
.small{font-size:.86rem;color:#6b768e}
footer .small{color:#9caccc}
.source-list{font-size:.9rem}
.source-list li{margin:.55rem 0}
@media(max-width:850px){
 .hero-grid,.article-wrap,.grid3,.grid2,.footer-grid{grid-template-columns:1fr}
 header{position:relative}
 nav{padding-bottom:.8rem}
 aside{position:static}
 .hero{padding-top:3.2rem}
}

.nav-cta{background:var(--accent);color:#172039!important;padding:.55rem .8rem;border-radius:10px;box-shadow:0 4px 14px rgba(255,202,58,.18)}
.nav-cta:hover{background:#f0b90f!important;color:#172039!important}
.sidebar-aff{background:linear-gradient(145deg,#0b1c44,#132a5c);color:white;border:0}
.sidebar-aff h3{color:white}
.sidebar-aff p{color:#dce6ff}
.sidebar-aff .small{color:#b9c8e7}
@media(max-width:850px){
 .nav{align-items:flex-start;flex-direction:column;padding:.8rem 0}
 nav{width:100%;gap:.55rem}
 .nav-cta{margin-left:0}
}