:root {
    --ink: #111820;
    --muted: #68707b;
    --line: #d9dde1;
    --paper: #ffffff;
    --soft: #f7f7f5;
    --accent: #f36816;
    --accent-dark: #c84400;
    --serif: Georgia, 'Times New Roman', serif;
    --sans: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: var(--sans); line-height: 1.75; }
a { color: inherit; }
.wrap { width: min(1120px, calc(100% - 40px)); margin-inline: auto; }
.skip-link { position: absolute; left: -9999px; top: 8px; z-index: 99; background: #fff; padding: 8px 12px; }
.skip-link:focus { left: 8px; }

.utility-bar { border-bottom: 1px solid #20252b; font-size: 12px; color: #6e7379; letter-spacing: .02em; }
.utility-inner { min-height: 42px; display: flex; justify-content: space-between; align-items: center; gap: 20px; }
.utility-inner a { text-decoration: none; }
.utility-inner a:hover { color: var(--accent); }
.utility-inner i { display: inline-block; height: 13px; border-left: 1px solid #afb4b9; margin: 0 12px; vertical-align: middle; }

.site-header { border-bottom: 1px solid var(--line); }
.masthead { padding: 22px 0 18px; text-align: center; }
.wordmark, .footer-brand { font-family: var(--serif); font-weight: 800; text-decoration: none; letter-spacing: -.055em; }
.wordmark { font-size: clamp(40px, 6vw, 54px); line-height: 1; }
.wordmark span, .footer-brand span { color: var(--accent); }
.masthead p { margin: 10px 0 0; color: #838a94; font-size: 12px; text-transform: uppercase; letter-spacing: .22em; }

.main-nav { border-top: 3px solid #1a1f24; }
.nav-inner { min-height: 50px; }
.nav-list { display: flex; justify-content: center; }
.nav-list a { padding: 14px 17px; border-left: 1px solid var(--line); text-decoration: none; text-transform: uppercase; font-size: 13px; font-weight: 800; line-height: 22px; white-space: nowrap; }
.nav-list a:last-child { border-right: 1px solid var(--line); }
.nav-list a:hover { color: var(--accent); }
.nav-list a.is-active { color: #fff; background: var(--accent); border-color: var(--accent); }
.nav-toggle { display: none; width: 100%; border: 0; background: transparent; padding: 13px 0; text-transform: uppercase; font-weight: 800; justify-content: space-between; align-items: center; }

.page-grid { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 48px; padding-top: 38px; padding-bottom: 64px; }
.article-card { min-width: 0; }
.article-head { padding-bottom: 24px; border-bottom: 2px solid #20252b; margin-bottom: 30px; }
.eyebrow { display: flex; align-items: center; gap: 14px; color: #79808a; font-size: 12px; margin-bottom: 10px; }
.eyebrow span { background: var(--accent); color: #fff; padding: 3px 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; }
.eyebrow em { font-style: normal; }
h1, h2, h3 { font-family: var(--serif); line-height: 1.12; }
h1 { font-size: clamp(36px, 5vw, 52px); letter-spacing: -.035em; margin: 0; }
.lead { color: #545c66; font-size: 17px; margin: 17px 0 0; max-width: 760px; }
.article-card > p { font-family: var(--serif); font-size: 18px; }

.hero-callout { border: 2px solid var(--accent); padding: 42px 44px 36px; text-align: center; margin: 30px 0 34px; position: relative; background: linear-gradient(180deg, #fff 0%, #fffaf6 100%); }
.hero-callout.compact { padding: 32px 36px 28px; }
.callout-label { position: absolute; top: -13px; left: 50%; transform: translateX(-50%); background: var(--accent); color: #fff; padding: 4px 13px; text-transform: uppercase; font-size: 11px; font-weight: 900; letter-spacing: .08em; white-space: nowrap; }
.hero-callout h2 { font-size: 24px; margin: 6px 0 10px; }
.hero-callout p { color: #5f6670; margin: 0 auto 20px; max-width: 610px; }
.button { display: inline-flex; align-items: center; gap: 16px; background: var(--accent); color: #fff; padding: 13px 22px; text-decoration: none; text-transform: uppercase; font-size: 13px; font-weight: 900; letter-spacing: .03em; transition: .18s ease; }
.button:hover { background: var(--accent-dark); transform: translateY(-1px); }

.numbered-section { margin-top: 36px; }
.section-title { display: flex; align-items: center; gap: 12px; border-bottom: 1px solid var(--line); padding-bottom: 9px; margin-bottom: 12px; }
.section-title span { background: var(--accent); color: #fff; font-size: 11px; font-weight: 900; padding: 2px 7px; }
.section-title h2 { font-size: 25px; margin: 0; }
.numbered-section > p, .plain-list { font-family: var(--serif); font-size: 17px; }
.plain-list { padding-left: 22px; }
.plain-list li { margin: 8px 0; }

.check-list { display: grid; gap: 12px; }
.check-list div { border-left: 3px solid var(--accent); background: var(--soft); padding: 15px 18px; }
.check-list b { font-family: var(--serif); font-size: 18px; }
.check-list p { margin: 3px 0 0; color: #616973; }
.feature-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.feature-grid a { border: 1px solid var(--line); text-decoration: none; padding: 18px; transition: .18s ease; }
.feature-grid a:hover { border-color: var(--accent); transform: translateY(-2px); }
.feature-grid b { display: block; font-family: var(--serif); font-size: 19px; }
.feature-grid span { color: var(--muted); font-size: 13px; }
.editor-note { border-left: 4px solid #222; background: var(--soft); padding: 18px 20px; margin-top: 34px; color: #505862; }

.sidebar { display: flex; flex-direction: column; gap: 26px; }
.side-card { border: 1px solid var(--line); padding: 22px; }
.side-kicker { margin: 0 0 13px; border-bottom: 2px solid #20252b; padding-bottom: 9px; text-transform: uppercase; font-size: 12px; font-weight: 900; letter-spacing: .14em; }
.mini-faq details { border-bottom: 1px solid #e5e6e8; padding: 13px 0; }
.mini-faq details:last-child { border-bottom: 0; }
.mini-faq summary { cursor: pointer; font-size: 13px; font-weight: 800; line-height: 1.45; }
.mini-faq p { color: #68707a; font-size: 13px; margin: 8px 0 0; }
.trust-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.trust-grid div { border: 1px solid var(--line); padding: 14px 9px; text-align: center; }
.trust-grid b { display: block; color: var(--accent); font-size: 19px; }
.trust-grid span { display: block; color: #69717a; font-size: 10px; text-transform: uppercase; letter-spacing: .04em; }
.notice-card { background: #fffaf6; border-color: #ffd5b8; }
.notice-card p:last-child { font-size: 13px; color: #5e6670; margin-bottom: 0; }

.site-footer { border-top: 3px solid #20252b; background: #f4f4f2; padding: 34px 0 18px; }
.footer-grid { display: flex; justify-content: space-between; gap: 30px; }
.footer-brand { font-size: 30px; }
.footer-grid p { color: #68707a; margin: 8px 0 0; font-size: 13px; }
.footer-grid nav { display: flex; align-items: flex-start; gap: 22px; }
.footer-grid nav a { text-decoration: none; font-size: 13px; font-weight: 800; }
.footer-grid nav a:hover { color: var(--accent); }
.footer-bottom { border-top: 1px solid #d5d7d9; margin-top: 25px; padding-top: 16px; color: #757c84; font-size: 11px; }

@media (max-width: 900px) {
    .page-grid { grid-template-columns: 1fr; gap: 34px; }
    .sidebar { display: grid; grid-template-columns: 1fr 1fr; }
    .notice-card { grid-column: 1 / -1; }
    .nav-list a { padding-inline: 11px; font-size: 11px; }
}

@media (max-width: 700px) {
    .wrap { width: min(100% - 28px, 1120px); }
    .utility-inner { min-height: 34px; justify-content: center; }
    .utility-inner > span:last-child { display: none; }
    .masthead { padding: 18px 0 14px; }
    .masthead p { font-size: 10px; letter-spacing: .12em; }
    .nav-toggle { display: flex; }
    .nav-list { display: none; border-top: 1px solid var(--line); padding-bottom: 10px; }
    .nav-list.is-open { display: grid; }
    .nav-list a, .nav-list a:last-child { border: 0; border-bottom: 1px solid var(--line); padding: 11px 2px; }
    .page-grid { padding-top: 26px; }
    .eyebrow { flex-wrap: wrap; gap: 8px; }
    h1 { font-size: 36px; }
    .hero-callout { padding: 34px 20px 26px; }
    .feature-grid, .sidebar { grid-template-columns: 1fr; }
    .notice-card { grid-column: auto; }
    .footer-grid { flex-direction: column; }
    .footer-grid nav { flex-wrap: wrap; }
}