:root {
      --bg:        #F8F9FA;
      --surface:   #FFFFFF;
      --band:      #EEF1F5;
      --ink:       #1C1C1E;
      --ink-soft:  #565A63;
      --ink-faint: #8A8F99;
      --line:      #E2E5EA;
      --navy:      #14315B;
      --navy-700:  #0E2545;
      --navy-500:  #2C4F82;
      --navy-300:  #6E8AB4;
      --navy-tint: #E7ECF3;
      --wine:      #7C2140;
      --wine-tint: #F5E9ED;
      --serif: "Prata", Georgia, serif;
      --sans:  "Manrope", -apple-system, "Segoe UI", sans-serif;
      --maxw: 760px;
      --gutter: clamp(20px, 5vw, 40px);
      --radius: 4px;
      --shadow-sm: 0 1px 2px rgba(20,49,91,.05), 0 2px 8px rgba(20,49,91,.04);
      --shadow-md: 0 6px 24px rgba(20,49,91,.08), 0 2px 6px rgba(20,49,91,.05);
    }
    * { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body {
      background: var(--bg);
      color: var(--ink);
      font-family: var(--sans);
      font-size: 17px;
      line-height: 1.68;
      -webkit-font-smoothing: antialiased;
    }
    a { color: inherit; text-decoration: none; }
    img { display: block; max-width: 100%; }

    /* ---- site header ---- */
    .site-header {
      background: var(--surface);
      border-bottom: 1px solid var(--line);
      padding: 0 var(--gutter);
    }
    .site-header__inner {
      max-width: 1180px;
      margin: 0 auto;
      height: 64px;
      display: flex;
      align-items: center;
      justify-content: space-between;
    }
    .logo {
      display: flex;
      align-items: baseline;
      gap: 6px;
      font-family: var(--sans);
    }
    .logo__wordmark {
      font-size: 17px;
      font-weight: 700;
      letter-spacing: .12em;
      color: var(--navy-700);
    }
    .logo__sub {
      font-size: 11px;
      font-weight: 500;
      color: var(--ink-faint);
      letter-spacing: .06em;
      text-transform: uppercase;
    }
    .btn {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      font-family: var(--sans);
      font-weight: 600;
      font-size: 14px;
      padding: 10px 20px;
      border-radius: var(--radius);
      border: 1px solid transparent;
      cursor: pointer;
      transition: background .2s, box-shadow .2s;
      white-space: nowrap;
    }
    .btn--primary { background: var(--navy); color: #fff; }
    .btn--primary:hover { background: var(--navy-700); box-shadow: var(--shadow-md); }
    .btn--ghost { background: transparent; color: var(--navy-700); border-color: var(--line); }
    .btn--ghost:hover { border-color: var(--navy-300); background: var(--surface); }

    /* ---- breadcrumb ---- */
    .breadcrumb {
      max-width: 1180px;
      margin: 0 auto;
      padding: 16px var(--gutter);
      font-size: 13px;
      color: var(--ink-faint);
      display: flex;
      gap: 8px;
      align-items: center;
    }
    .breadcrumb a { color: var(--navy-500); }
    .breadcrumb a:hover { text-decoration: underline; }
    .breadcrumb span { color: var(--ink-faint); }

    /* ---- article layout ---- */
    .article-wrap {
      max-width: var(--maxw);
      margin: 0 auto;
      padding: 0 var(--gutter) 80px;
    }

    /* ---- article header ---- */
    .article-header {
      padding: 36px 0 40px;
      border-bottom: 1px solid var(--line);
      margin-bottom: 48px;
    }
    .eyebrow {
      font-family: var(--sans);
      font-size: 12px;
      font-weight: 700;
      letter-spacing: .18em;
      text-transform: uppercase;
      color: var(--navy-500);
      display: inline-flex;
      align-items: center;
      gap: 10px;
      margin-bottom: 20px;
    }
    .eyebrow::before {
      content: "";
      width: 24px; height: 2px;
      background: var(--wine);
      display: inline-block;
      flex-shrink: 0;
    }
    .article-header h1 {
      font-family: var(--serif);
      font-size: clamp(26px, 4vw, 40px);
      font-weight: 400;
      color: var(--navy-700);
      line-height: 1.15;
      letter-spacing: -.01em;
      margin-bottom: 20px;
    }
    .article-lede {
      font-size: 18px;
      line-height: 1.6;
      color: var(--ink-soft);
      margin-bottom: 24px;
    }
    .article-meta {
      display: flex;
      flex-wrap: wrap;
      gap: 20px;
      font-size: 13.5px;
      color: var(--ink-faint);
    }
    .article-meta strong { color: var(--ink-soft); font-weight: 600; }

    /* ---- article body ---- */
    .article-body { line-height: 1.75; }
    .article-body h2 {
      font-family: var(--serif);
      font-size: clamp(20px, 2.8vw, 26px);
      font-weight: 400;
      color: var(--navy-700);
      line-height: 1.2;
      margin: 52px 0 18px;
    }
    .article-body h3 {
      font-family: var(--serif);
      font-size: clamp(17px, 2.2vw, 20px);
      font-weight: 400;
      color: var(--navy-700);
      margin: 32px 0 12px;
    }
    .article-body p { margin-bottom: 20px; color: var(--ink); }
    .article-body p:last-child { margin-bottom: 0; }
    .article-body ul, .article-body ol {
      margin: 0 0 20px 0;
      padding-left: 24px;
    }
    .article-body li { margin-bottom: 8px; }
    .article-body strong { font-weight: 600; color: var(--navy-700); }

    .note {
      background: var(--navy-tint);
      border-left: 3px solid var(--navy-500);
      border-radius: 0 var(--radius) var(--radius) 0;
      padding: 16px 20px;
      margin: 28px 0;
      font-size: 15.5px;
      color: var(--ink-soft);
    }
    .note strong { color: var(--navy); }

    .warn {
      background: var(--wine-tint);
      border-left: 3px solid var(--wine);
      border-radius: 0 var(--radius) var(--radius) 0;
      padding: 16px 20px;
      margin: 28px 0;
      font-size: 15.5px;
      color: var(--ink-soft);
    }

    .table-wrap { overflow-x: auto; margin: 28px 0; }
    table {
      width: 100%;
      border-collapse: collapse;
      font-size: 15px;
    }
    th {
      background: var(--navy);
      color: #fff;
      font-weight: 600;
      text-align: left;
      padding: 10px 14px;
      font-size: 13px;
      letter-spacing: .03em;
    }
    td {
      padding: 10px 14px;
      border-bottom: 1px solid var(--line);
      vertical-align: top;
    }
    tr:nth-child(even) td { background: var(--band); }

    /* ---- CTA block ---- */
    .cta-block {
      background: var(--navy-700);
      border-radius: 8px;
      padding: clamp(32px, 5vw, 52px);
      margin: 64px 0 0;
      color: #DCE3EE;
    }
    .cta-block .eyebrow { color: var(--navy-300); margin-bottom: 16px; }
    .cta-block .eyebrow::before { background: var(--wine); }
    .cta-block h2 {
      font-family: var(--serif);
      font-size: clamp(22px, 3vw, 30px);
      font-weight: 400;
      color: #fff;
      margin-bottom: 14px;
    }
    .cta-block p { font-size: 16px; color: #B8C4D8; margin-bottom: 28px; }
    .cta-meta {
      display: flex;
      flex-wrap: wrap;
      gap: 8px 20px;
      margin-bottom: 28px;
      font-size: 14px;
      color: #9DAEC6;
    }
    .cta-meta span { display: flex; align-items: center; gap: 6px; }
    .cta-meta span::before { content: "—"; color: var(--wine); }
    .cta-actions { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
    .btn--light { background: #fff; color: var(--navy-700); border: none; }
    .btn--light:hover { background: #EEF2F8; }
    .btn--outline-light {
      background: transparent;
      color: #fff;
      border: 1px solid rgba(255,255,255,.3);
      font-family: var(--sans);
      font-weight: 600;
      font-size: 14px;
      padding: 10px 20px;
      border-radius: var(--radius);
      cursor: pointer;
      transition: border-color .2s;
    }
    .btn--outline-light:hover { border-color: rgba(255,255,255,.6); }

    /* ---- divider ---- */
    hr.section-divider {
      border: none;
      border-top: 1px solid var(--line);
      margin: 48px 0;
    }

    /* ---- site footer ---- */
    .site-footer {
      background: var(--navy-700);
      color: #8A9DB8;
      padding: 40px var(--gutter);
      font-size: 13.5px;
    }
    .site-footer__inner {
      max-width: 1180px;
      margin: 0 auto;
      display: flex;
      flex-wrap: wrap;
      gap: 16px;
      justify-content: space-between;
      align-items: center;
    }
    .site-footer a { color: #8A9DB8; }
    .site-footer a:hover { color: #fff; }

    @media (max-width: 640px) {
      .site-header__inner { gap: 12px; }
      .cta-actions { flex-direction: column; align-items: stretch; }
    }