:root{
  --navy:#10222c;
  --navy-dark:#081820;
  --gold:#c99a4a;
  --gold-light:#f7edd9;
  --gold-border:#ead6ae;
  --bg:#f8f5ef;
  --card:#ffffff;
  --text:#2b3a42;
  --text-light:#65737b;
  --border:#e7dfd2;
  --danger:#9b3a2f;
  --danger-bg:#fff0eb;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:var(--bg);line-height:1.7}
h1,h2,h3,.brand-name{font-family:Poppins,Inter,system-ui,sans-serif}
a{color:inherit}
.disclaimer-strip{background:#fdf6e8;border-bottom:1px solid #f0e0af;color:#6b5a12;font-size:.82rem;padding:10px 24px;text-align:center}
.site-header{background:var(--navy-dark);color:#fff;position:sticky;top:0;z-index:80;box-shadow:0 2px 14px rgba(0,0,0,.14)}
.header-inner{max-width:1180px;margin:0 auto;padding:14px 24px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:block;text-decoration:none;color:#fff}
.brand-name{display:block;font-weight:700;font-size:1.04rem;letter-spacing:.2px}
.brand-sub{display:block;font-size:.72rem;color:#d0b982;text-transform:uppercase;letter-spacing:.7px;font-weight:600}
.main-nav{display:flex;align-items:center;gap:4px}
.main-nav a{color:#dce6e9;text-decoration:none;font-size:.88rem;font-weight:600;padding:8px 12px;border-radius:999px;white-space:nowrap}
.main-nav a:hover,.main-nav a.active{background:var(--gold);color:#151515}
.menu-toggle{display:none;background:transparent;border:0;color:#fff;font-size:1.5rem;cursor:pointer}
.hero{background:radial-gradient(circle at 80% 20%,rgba(201,154,74,.32),transparent 34%),linear-gradient(135deg,var(--navy) 0%,#1b3644 55%,var(--gold) 190%);color:#fff;padding:72px 24px 92px}
.hero-inner{max-width:900px;margin:0 auto}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:#f3d9a8;background:rgba(255,255,255,.08);border:1px solid rgba(240,217,174,.22);padding:7px 15px;border-radius:999px;margin-bottom:20px}
.hero h1{font-size:clamp(2rem,4vw,2.72rem);line-height:1.16;margin:0 0 18px;font-weight:700}
.hero .lead{font-size:1.1rem;color:#dbe6ea;max-width:720px;margin:0}
.wrap{max-width:930px;margin:-44px auto 0;padding:0 24px 86px;position:relative}
.panel{background:var(--card);border:1px solid var(--border);border-radius:16px;padding:38px clamp(20px,4vw,50px);margin-bottom:28px;box-shadow:0 14px 34px rgba(16,34,44,.06)}
.top-warning{background:var(--danger-bg);border:1px solid #f0c7bb;border-left:4px solid var(--danger);border-radius:12px;padding:18px 22px;margin-bottom:28px}
.top-warning strong{display:block;color:var(--danger);margin-bottom:4px}
.toc{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;list-style:none;margin:0;padding:0}
.toc a{display:block;text-decoration:none;color:var(--navy);background:var(--gold-light);border:1px solid var(--gold-border);padding:11px 15px;border-radius:8px;font-size:.9rem;font-weight:600}
.toc a:hover{background:#f1e2c4}
.chapter{scroll-margin-top:92px;margin-bottom:46px}
.chapter:last-child{margin-bottom:0}
.chapter-kicker{font-size:.78rem;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:var(--gold);margin-bottom:6px}
.chapter h2{font-size:1.5rem;color:var(--navy);line-height:1.25;margin:0 0 16px;padding-bottom:14px;border-bottom:2px solid var(--gold-light)}
.chapter h3{font-size:1.05rem;color:var(--navy-dark);margin:24px 0 10px}
.chapter p{margin:0 0 14px}
.chapter ul,.chapter ol{padding-left:21px;margin:0 0 16px}
.chapter li{margin-bottom:6px}
.source-note{font-size:.86rem;color:var(--text-light);margin-top:18px}
.back-to-top{display:inline-block;margin-top:8px;font-size:.85rem;color:#9b7335;text-decoration:none;font-weight:800}
.guide-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px;margin-top:20px}
.guide-card{display:flex;flex-direction:column;gap:10px;text-decoration:none;background:#fff;border:1px solid var(--border);border-radius:14px;padding:21px;box-shadow:0 14px 30px rgba(16,34,44,.055)}
.guide-card:hover{border-color:var(--gold-border);transform:translateY(-1px)}
.guide-card strong{color:var(--navy);font-size:1.04rem;line-height:1.35}
.guide-card span{color:var(--text-light);font-size:.9rem}
.tools-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.tools-row a,.tools-row button{border:1px solid var(--gold-border);background:var(--gold-light);color:var(--navy);border-radius:999px;padding:9px 14px;text-decoration:none;font-weight:800;font-size:.88rem;cursor:pointer}
footer.site-footer{background:var(--navy-dark);color:#a9bcc4;padding:48px 24px 24px;font-size:.88rem}
.footer-inner{max-width:1180px;margin:0 auto;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.footer-inner h5{color:#fff;margin:0 0 10px;text-transform:uppercase;letter-spacing:.5px;font-size:.82rem}
.footer-inner a{display:block;color:#a9bcc4;text-decoration:none;margin-bottom:7px}
.footer-bottom{max-width:1180px;margin:30px auto 0;padding-top:18px;border-top:1px solid rgba(255,255,255,.08);font-size:.8rem;color:#71858e}
@media (max-width:1040px){
  .main-nav{position:fixed;top:70px;left:0;right:0;background:var(--navy-dark);display:none;flex-direction:column;align-items:stretch;padding:8px 16px 20px;max-height:calc(100vh - 70px);overflow:auto}
  .main-nav.open{display:flex}
  .main-nav a{border-radius:8px;padding:12px 10px;border-bottom:1px solid rgba(255,255,255,.06)}
  .menu-toggle{display:block}
  .brand-sub{display:none}
}
@media (max-width:640px){.hero{padding:44px 20px 70px}.wrap{padding:0 16px 62px}.toc{grid-template-columns:1fr}}
@media print{.site-header,.disclaimer-strip,.tools-row,.back-to-top{display:none}.wrap{margin:0;max-width:none;padding:0}.panel{box-shadow:none;border:0;break-inside:avoid}}