*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Montserrat',Calibri,system-ui,sans-serif;background:#fff;color:#1B3A6B;font-weight:500}
a{color:inherit}img{max-width:100%;display:block}
.nav{background:#fff;border-bottom:4px solid #CFE4EF;position:sticky;top:0;z-index:100}
.nav-inner{max-width:1280px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:14px 48px;gap:24px}
.nav-logo{display:flex;align-items:center;text-decoration:none}.nav-logo img{height:62px;width:auto}
.nav-links{display:flex;gap:32px;list-style:none}
.nav-links a{font-size:14px;color:#1B3A6B;text-decoration:none;font-weight:700;letter-spacing:.02em}
.nav-links a:hover{color:#FFBA20}
.nav-links a.active{color:#FFBA20;font-weight:800;text-decoration:underline;text-underline-offset:5px;text-decoration-thickness:2px}
.nav-cta{background:#FFBA20;color:#000;font-size:14px;font-weight:800;padding:13px 26px;border-radius:5px;text-decoration:none;letter-spacing:.04em;text-transform:uppercase}
.eyebrow{font-size:11px;color:#1B3A6B;letter-spacing:.18em;text-transform:uppercase;font-weight:800;margin-bottom:16px;display:inline-flex;align-items:center;gap:10px}
.eyebrow::before{content:"";width:8px;height:8px;border-radius:50%;background:#FFBA20;flex-shrink:0}
.amber{color:#FFBA20}
.btn-gold{background:#FFBA20;color:#000;font-size:13px;font-weight:800;padding:14px 28px;border-radius:5px;text-decoration:none;display:inline-block;letter-spacing:.04em;text-transform:uppercase;border:0;cursor:pointer;font-family:inherit}
.btn-gold:hover{background:#e8a60e}
.btn-ghost{border:3px solid #1B3A6B;color:#1B3A6B;font-size:13px;font-weight:800;padding:11px 28px;border-radius:5px;text-decoration:none;display:inline-block;background:transparent;letter-spacing:.04em;text-transform:uppercase}
.btn-ghost:hover{background:#1B3A6B;color:#fff}
.cred-bar{background:#1B3A6B;padding:18px 48px;display:flex;align-items:center;justify-content:center;gap:36px;flex-wrap:wrap}
.cred-item{display:flex;align-items:center;gap:10px}.cred-dot{width:8px;height:8px;border-radius:50%;background:#FFBA20}
.cred-text{font-size:12px;color:#CFE4EF;font-weight:700;letter-spacing:.04em;text-transform:uppercase}
.section-divider{height:4px;background:linear-gradient(90deg,#CFE4EF 0%,#CFE4EF 46%,#FFBA20 46%,#FFBA20 54%,#CFE4EF 54%,#CFE4EF 100%)}
.section{padding:60px 48px}.section-inner{max-width:1280px;margin:0 auto}
.sec-ice{background:#EAF4F9}
.sec-eyebrow{font-size:11px;color:#2E6DA4;letter-spacing:.16em;text-transform:uppercase;font-weight:800;margin-bottom:10px;display:inline-flex;align-items:center;gap:10px}
.sec-eyebrow::before{content:"";width:8px;height:8px;border-radius:50%;background:#FFBA20}
.sec-h2{font-size:36px;font-weight:800;color:#1B3A6B;margin-bottom:12px;letter-spacing:-.015em;line-height:1.1}
.sec-sub{font-size:15px;margin-bottom:32px;line-height:1.65;max-width:700px}
.tag{display:inline-flex;align-items:center;gap:7px;font-size:10.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#1B3A6B;background:#EAF4F9;border:1px solid #CFE4EF;border-radius:20px;padding:5px 12px}
.tag i{width:8px;height:8px;border-radius:50%;display:inline-block}
.cta-band{background:#1B3A6B;padding:60px 48px;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-80px;top:-80px;width:260px;height:260px;border-radius:50%;border:30px solid rgba(255,186,32,.14)}
.cta-inner{max-width:860px;margin:0 auto;text-align:center;position:relative;z-index:1}
.cta-eyebrow{font-size:11px;color:#FFBA20;letter-spacing:.18em;text-transform:uppercase;font-weight:800;margin-bottom:14px}
.cta-h{font-family:Georgia,serif;font-size:36px;font-weight:700;color:#fff;margin-bottom:14px;line-height:1.12}
.cta-body{font-size:15px;color:#CFE4EF;line-height:1.7;margin-bottom:28px}
.footer{background:#EAF4F9;border-top:4px solid #CFE4EF}
.footer-inner{max-width:1280px;margin:0 auto;padding:44px 48px;display:grid;grid-template-columns:2fr 1fr 1.4fr;gap:40px}
.footer-brand img{height:84px;width:auto;margin-bottom:12px}
.footer-tagline{font-size:12px;color:#2E6DA4;font-style:italic;font-weight:600;max-width:340px}
.footer-contact{font-size:12px;margin-top:8px;font-weight:600}
.footer-label{font-size:11px;text-transform:uppercase;letter-spacing:.14em;font-weight:800;margin-bottom:10px}
.footer-links{font-size:13px;font-weight:600}.footer-links a{text-decoration:none;display:block;margin-bottom:5px}
.footer-links a:hover{color:#FFBA20}
@media(max-width:768px){
.nav-inner{padding:10px 20px;gap:10px;flex-wrap:wrap}.nav-logo img{height:48px}
.nav-links{gap:13px;width:100%;order:3;flex-wrap:wrap}.nav-links a{font-size:11.5px}
.nav-cta{font-size:12px;padding:11px 18px}
.cred-bar{padding:14px 20px;gap:14px;justify-content:flex-start}
.section{padding:40px 20px}.sec-h2{font-size:26px}
.cta-band{padding:44px 20px}.cta-h{font-size:27px}
.footer-inner{padding:28px 20px;grid-template-columns:1fr;gap:24px}.footer-brand img{height:68px}
}

.progress{position:fixed;top:0;left:0;height:5px;width:0;background:linear-gradient(90deg,#FFBA20,#2E6DA4);z-index:300;transition:width .1s linear}
.p-hero{background:#CFE4EF;padding:40px 48px 52px;position:relative;overflow:hidden}
.p-hero-inner{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:1fr auto;gap:48px;align-items:center;position:relative;z-index:1}
.crumbs{font-size:12px;font-weight:700;margin-bottom:22px;display:flex;gap:8px;flex-wrap:wrap;align-items:center}
.crumbs a{text-decoration:none;color:#2E6DA4}.crumbs a:hover{color:#1B3A6B;text-decoration:underline}.crumbs span{opacity:.5}
.p-h1{font-family:Georgia,serif;font-size:50px;font-weight:700;line-height:1.08;letter-spacing:-.015em;margin:14px 0 18px;max-width:860px}
.p-deck{font-family:Georgia,serif;font-style:italic;font-size:19px;line-height:1.55;max-width:760px;margin-bottom:26px;color:#1B3A6B}
.byline{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.byline img{width:52px;height:52px;border-radius:50%;object-fit:cover;object-position:center 8%;border:3px solid #FFBA20;background:#fff}
.by-name{font-size:14px;font-weight:800}.by-name a{text-decoration:none}.by-name a:hover{color:#2E6DA4}
.by-meta{font-size:12px;font-weight:600;color:#2E6DA4;margin-top:2px}
.bignum{font-family:Georgia,serif;font-weight:700;font-size:200px;line-height:.8;color:transparent;-webkit-text-stroke:3px #FFBA20;user-select:none;animation:bob 6s ease-in-out infinite}
.bignum small{display:block;font-family:'Montserrat',sans-serif;-webkit-text-stroke:0;color:#1B3A6B;font-size:12px;letter-spacing:.2em;text-transform:uppercase;font-weight:800;text-align:center;margin-top:18px}
@keyframes bob{0%,100%{transform:translateY(0) rotate(-3deg)}50%{transform:translateY(-10px) rotate(2deg)}}
.series{background:#1B3A6B;padding:14px 48px}
.series-inner{max-width:1180px;margin:0 auto;display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.series-label{font-size:11px;color:#CFE4EF;font-weight:800;letter-spacing:.14em;text-transform:uppercase}
.series-dots{display:flex;gap:8px;align-items:center}
.series-dots a{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;font-size:12px;font-weight:800;text-decoration:none;color:#CFE4EF;border:2px solid #2E6DA4;transition:all .2s}
.series-dots a:hover{border-color:#FFBA20;color:#FFBA20;transform:translateY(-2px)}
.series-dots a.on{background:#FFBA20;border-color:#FFBA20;color:#000;transform:scale(1.12)}
.series-dots a.read{border-color:#CFE4EF}
.p-wrap{max-width:1180px;margin:0 auto;padding:56px 48px 40px;display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:64px}
.short{background:#EAF4F9;border-radius:12px;border-left:6px solid #FFBA20;padding:26px 30px;margin-bottom:40px}
.short h2{font-size:12px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;margin-bottom:14px;color:#2E6DA4}
.short ul{list-style:none}
.short li{position:relative;padding-left:30px;margin-bottom:10px;font-size:15px;line-height:1.55;font-weight:600}
.short li::before{content:"✓";position:absolute;left:0;top:0;width:20px;height:20px;border-radius:50%;background:#FFBA20;color:#000;font-size:11px;font-weight:900;display:grid;place-items:center}
.prose{font-family:Georgia,serif;font-size:18.5px;line-height:1.8;color:#1B3A6B}
.prose p{margin-bottom:24px}
.prose>p:first-of-type::first-letter{float:left;font-size:74px;line-height:.9;padding:6px 12px 0 0;color:#FFBA20;font-weight:700}
.prose h2{font-family:'Montserrat',sans-serif;font-size:26px;font-weight:800;line-height:1.2;letter-spacing:-.01em;margin:46px 0 16px;scroll-margin-top:110px;position:relative;padding-top:18px}
.prose h2::before{content:"";position:absolute;top:0;left:0;width:44px;height:5px;border-radius:3px;background:#FFBA20}
.pull{margin:40px 0;padding:30px 0 30px 34px;border-left:6px solid #CFE4EF;position:relative}
.pull::before{content:"\201C";position:absolute;left:18px;top:-34px;font-size:120px;color:#FFBA20;font-family:Georgia,serif;line-height:1}
.pull p{font-family:Georgia,serif;font-size:27px;font-style:italic;line-height:1.4;font-weight:700;margin:0}
.pull cite{display:block;margin-top:12px;font-family:'Montserrat',sans-serif;font-style:normal;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#2E6DA4}
.about{margin-top:48px;background:#1B3A6B;color:#CFE4EF;border-radius:14px;padding:30px 32px;display:grid;grid-template-columns:72px 1fr;gap:22px;align-items:center}
.about img{width:72px;height:72px;object-fit:contain;background:#fff;border-radius:50%;padding:6px}
.about h2{font-size:13px;color:#FFBA20;letter-spacing:.14em;text-transform:uppercase;font-weight:800;margin-bottom:8px}
.about p{font-size:15px;line-height:1.65}
.about a{color:#FFBA20;font-weight:800}
aside .stick{position:sticky;top:120px}
.side-card{border:2px solid #CFE4EF;border-radius:12px;padding:22px 22px 18px;margin-bottom:20px;background:#fff}
.side-label{font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;margin-bottom:12px;padding-bottom:8px;border-bottom:2px solid #FFBA20;display:inline-block}
.toc{list-style:none;counter-reset:t}
.toc li{counter-increment:t;margin-bottom:4px}
.toc a{display:flex;gap:10px;text-decoration:none;font-size:13px;font-weight:600;line-height:1.4;padding:6px 8px;border-radius:6px;transition:all .2s}
.toc a::before{content:counter(t,decimal-leading-zero);font-family:Georgia,serif;font-weight:700;color:#FFBA20;min-width:20px}
.toc a:hover{background:#EAF4F9}.toc a.on{background:#1B3A6B;color:#fff}
.share{display:flex;gap:8px;flex-wrap:wrap}
.share a,.share button{flex:1;min-width:70px;text-align:center;font-family:inherit;font-size:11px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:10px 8px;border-radius:6px;border:2px solid #CFE4EF;background:#fff;color:#1B3A6B;text-decoration:none;cursor:pointer}
.share a:hover,.share button:hover{border-color:#FFBA20;background:#FFF3CC}
.pn{max-width:1180px;margin:0 auto;padding:0 48px 60px;display:grid;grid-template-columns:1fr 1fr;gap:20px}
.pn a{display:block;text-decoration:none;border:2px solid #CFE4EF;border-radius:12px;padding:24px 26px;transition:all .25s;background:#fff}
.pn a:hover{border-color:#FFBA20;transform:translateY(-4px);box-shadow:0 12px 26px rgba(27,58,107,.1)}
.pn .lbl{font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:#2E6DA4;margin-bottom:8px}
.pn .t{font-family:Georgia,serif;font-size:19px;font-weight:700;line-height:1.3}
.pn .next{text-align:right}
@media(max-width:1000px){.p-wrap{grid-template-columns:1fr;gap:10px}aside .stick{position:static}.toc-card{display:none}.bignum{display:none}.p-hero-inner{grid-template-columns:1fr}}
@media(max-width:768px){.p-hero{padding:30px 20px 38px}.p-h1{font-size:32px}.p-deck{font-size:17px}.series{padding:12px 20px}.p-wrap{padding:34px 20px 20px}.prose{font-size:17px}.pull p{font-size:22px}.pn{grid-template-columns:1fr;padding:0 20px 40px}.pn .next{text-align:left}.about{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}