:root{
  --stone:#f4f0e8;--stone2:#ebe4d6;--ink:#1a2332;--ink2:#3d4f63;
  --ocean:#1f6f8b;--ocean2:#2a8fad;--sand:#d9cfc0;--line:#c8bdb0;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"DM Sans",ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--stone);color:var(--ink);font-family:var(--sans);line-height:1.72;font-size:1.05rem}
body.modal-open{overflow:hidden}
a{color:var(--ocean);text-decoration-color:var(--sand);text-underline-offset:.22em}
img,svg{display:block;max-width:100%}
button{font:inherit;cursor:pointer}
.wrap{width:min(1180px,calc(100% - 40px));margin:auto}
.narrow{width:min(760px,100%);margin-inline:auto}
.skip-link{position:fixed;left:16px;top:-80px;z-index:100;padding:10px 16px;background:#fff;color:var(--ink)}
.skip-link:focus{top:12px}
.risk-strip{background:var(--ink);color:#e8e2d8;text-align:center;font-size:.78rem;padding:9px 20px;letter-spacing:.02em}
.site-header{position:sticky;top:0;z-index:30;background:rgba(244,240,232,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);
  opacity:0;animation:navFade .7s ease forwards}
@keyframes navFade{to{opacity:1}}
.nav-wrap{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink);font-weight:700;font-family:var(--serif);font-size:1.05rem}
.brand-mark{display:grid;place-items:center;width:40px;height:40px;background:var(--ocean);color:#fff;border-radius:4px;font-size:.72rem;letter-spacing:.08em;font-family:var(--sans)}
.site-header nav{display:flex;flex-wrap:wrap;gap:22px}
.site-header nav a{text-decoration:none;font-size:.88rem;font-weight:600;color:var(--ink2)}
.site-header nav a[aria-current="page"]{color:var(--ocean);border-bottom:2px solid var(--ocean);padding-bottom:2px}
.nav-toggle{display:none;background:none;border:1px solid var(--line);padding:8px 12px;border-radius:4px}
.hero{position:relative;overflow:hidden;background:var(--ink);color:#f4f0e8;min-height:min(88vh,760px);display:grid;align-items:center}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(26,35,50,.92) 40%,rgba(31,111,139,.35));
  z-index:1}
.hero-in{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(2rem,5vw,4rem);align-items:center;padding:clamp(3rem,8vw,5.5rem) 0}
.hero-visual{opacity:0;transform:translateY(24px);animation:heroReveal 1s .2s ease forwards}
@keyframes heroReveal{to{opacity:1;transform:none}}
.hero h1{font-family:var(--serif);font-size:clamp(2.4rem,5.5vw,4.2rem);line-height:1.06;margin:0 0 1.2rem;font-weight:600;letter-spacing:-.02em}
.hero-lede{font-size:1.15rem;color:#d5cec3;max-width:38em;margin-bottom:1.5rem}
.eyebrow{display:block;color:var(--ocean2);font-size:.74rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;margin-bottom:14px}
.button{display:inline-flex;align-items:center;justify-content:center;background:var(--ocean);color:#fff;border:0;border-radius:3px;padding:13px 22px;font-weight:700;text-decoration:none}
.button:hover{background:var(--ocean2)}
.button.secondary{background:transparent;color:var(--ink);border:1px solid var(--line)}
.hero-cta{margin:1rem 0 1.4rem}
.independence-note{border-left:3px solid var(--ocean2);padding:10px 0 10px 16px;color:#c9c0b4;font-size:.86rem;max-width:36em}
.section{padding:clamp(3.5rem,7vw,5.5rem) 0}
.section.tinted{background:var(--stone2)}
.section.dark{background:var(--ink);color:#ece6dc}
.section.dark .eyebrow{color:var(--ocean2)}
.section h2{font-family:var(--serif);font-size:clamp(1.8rem,3.5vw,2.6rem);font-weight:600;line-height:1.12;margin:0 0 1rem}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:2rem}
.card-grid article,.index-card{background:#fff;border:1px solid var(--line);padding:1.6rem;text-decoration:none;color:inherit}
.card-grid article>span{color:var(--ocean);font-size:.72rem;font-weight:800;letter-spacing:.12em}
.card-grid h3{font-family:var(--serif);font-size:1.35rem;margin:.8rem 0 .5rem}
.card-grid p,.index-card p{color:var(--ink2);font-size:.94rem;margin:0}
.theme-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:2rem}
.theme-grid a{background:var(--stone);padding:1.4rem;text-decoration:none;color:inherit}
.theme-grid b{display:block;font-family:var(--serif);font-size:1.2rem;margin-bottom:.35rem}
.theme-grid span{color:var(--ink2);font-size:.84rem}
.page-hero,.article-hero{padding:clamp(3rem,6vw,4.5rem) 0;background:var(--ink);color:#ece6dc}
.page-hero h1,.article-hero h1{font-family:var(--serif);font-size:clamp(2rem,4.5vw,3.2rem);margin:0 0 1rem}
.page-hero p,.article-hero .lede{color:#c9c0b4;font-size:1.1rem;max-width:42em}
.prose{max-width:760px;margin:0 auto;padding:3rem 0 4rem}
.prose section{padding:1.6rem 0;border-bottom:1px solid var(--line)}
.prose h2{font-family:var(--serif);font-size:1.75rem;margin:0 0 .8rem}
.prose p{font-size:1.02rem;color:var(--ink2)}
.prose ul,.prose ol{padding-left:1.3rem;color:var(--ink2)}
.table-wrap{overflow-x:auto;margin:1.5rem 0}
table{width:100%;border-collapse:collapse;font-size:.88rem;background:#fff}
caption{text-align:left;font-weight:700;padding:.6rem 0}
th,td{padding:11px 12px;text-align:left;vertical-align:top;border:1px solid var(--line)}
th{background:var(--stone2)}
.formula{background:var(--ink);color:#ece6dc;padding:1.4rem;margin:1.5rem 0;border-radius:4px}
.formula code{display:block;color:var(--ocean2);margin:.5rem 0;font-family:ui-monospace,monospace}
.checklist{list-style:none;padding:0}
.checklist li{padding:.65rem .65rem .65rem 2rem;border-bottom:1px solid var(--line);position:relative}
.checklist li::before{content:"✓";position:absolute;left:.2rem;color:var(--ocean);font-weight:700}
details{border-bottom:1px solid var(--line);padding:1rem 0}
summary{cursor:pointer;font-family:var(--serif);font-size:1.15rem;font-weight:600}
details p{color:var(--ink2)}
.observatory{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:1.5rem}
.term-card{background:#fff;border:1px solid var(--line);padding:1.1rem 1.2rem}
.term-card dt{font-family:var(--serif);font-weight:600;margin-bottom:.35rem}
.term-card dd{margin:0;color:var(--ink2);font-size:.92rem}
.risk-calculator{background:#fff;border:1px solid var(--line);padding:clamp(1.2rem,3vw,2rem);margin-top:1.5rem;border-radius:4px}
.calculator-fields{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.calculator-fields label{font-weight:700;font-size:.86rem;display:block}
.calculator-fields input{width:100%;margin-top:6px;padding:10px 12px;border:1px solid var(--line);background:var(--stone);font:inherit;border-radius:3px}
.calculator-results{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line);margin-top:1.2rem}
.calculator-results p{margin:0;padding:1rem;background:var(--stone2);display:grid;gap:4px}
.calculator-results span{color:var(--ink2);font-size:.76rem}
.calculator-results strong{font-family:var(--serif);font-size:1.4rem;color:var(--ink)}
.calculator-error{color:#8b2e2e;font-weight:700;font-size:.88rem;margin-top:.6rem}
.calculator-formula{color:var(--ink2);font-size:.84rem;margin-top:.8rem}
.site-footer{background:var(--ink);color:#d5cec3;padding:4rem 0 1.5rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2.5rem}
.footer-grid h2{font:700 .72rem var(--sans);text-transform:uppercase;letter-spacing:.14em;color:var(--ocean2);margin:0 0 .6rem}
.footer-grid a{display:block;margin:.45rem 0;color:#d5cec3;text-decoration:none;font-size:.9rem}
.footer-grid a:hover{color:#fff}
.brand-footer{font-family:var(--serif);font-size:1.6rem;display:block;margin-bottom:.6rem}
.entity{font-size:.82rem;color:#a89f92;margin-top:1rem;line-height:1.6}
.footer-disclaimer{margin-top:2rem;padding:1.2rem;border:1px solid #3d4f63;color:#b8afa3;font-size:.82rem;line-height:1.6}
.footer-base{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;margin-top:1.2rem;color:#8a8178;font-size:.78rem}
.text-button{background:none;border:0;color:inherit;text-decoration:underline;cursor:pointer;padding:0}
.risk-modal{position:fixed;inset:0;z-index:1000;display:grid;place-items:center;padding:20px;background:rgba(26,35,50,.78);backdrop-filter:blur(12px)}
.risk-modal[hidden],.cookie-banner[hidden]{display:none}
.modal-card{width:min(620px,100%);background:var(--stone);padding:clamp(1.5rem,4vw,2.8rem);box-shadow:0 30px 80px rgba(0,0,0,.35);border-radius:4px}
.modal-card h2{font-family:var(--serif);font-size:1.9rem;margin:.4rem 0 1rem}
.cookie-banner{position:fixed;z-index:900;left:16px;right:16px;bottom:16px;display:flex;justify-content:space-between;gap:24px;align-items:center;background:#fff;border:1px solid var(--line);box-shadow:0 15px 50px rgba(0,0,0,.18);padding:18px;border-radius:4px}
.cookie-banner p{margin:4px 0;max-width:680px;font-size:.82rem;color:var(--ink2)}
.cookie-actions{display:flex;gap:10px;align-items:center;flex-shrink:0;font-size:.82rem;flex-wrap:wrap}
.sitemap-list ul{columns:2;list-style:none;padding:0}
.sitemap-list li{margin:.45rem 0}
.notfound{text-align:center;padding:5rem 0}
.notfound h1{font-family:var(--serif);font-size:3rem}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem;margin-top:2rem}
.contact-card{background:#fff;border:1px solid var(--line);padding:1.5rem;border-radius:4px}
@media(max-width:860px){
  .wrap{width:min(100% - 28px,1180px)}
  .site-header nav{display:none;position:absolute;top:76px;left:0;right:0;background:var(--stone);padding:18px;flex-direction:column;border-bottom:1px solid var(--line)}
  .site-header nav.open{display:flex}
  .nav-toggle{display:block}
  .hero-in,.card-grid,.theme-grid,.observatory,.footer-grid,.contact-grid,.calculator-fields,.calculator-results{grid-template-columns:1fr}
  .cookie-banner{display:block}
  .cookie-actions{margin-top:12px}
  .sitemap-list ul{columns:1}
}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important}
  html{scroll-behavior:auto}
  .site-header,.hero-visual{opacity:1;transform:none}
}