:root{
  --navy:#0e1b2b; --navy-2:#132437; --gold:#c9932e; --gold-2:#e0ac4a;
  --ink:#1b2733; --muted:#5b6b7b; --line:#e4e8ec; --bg:#f7f8fa; --card:#ffffff;
  --radius:10px;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:inherit;text-decoration:none}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.wrap-narrow{max-width:760px;margin:0 auto;padding:0 24px}
h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;line-height:1.2;color:var(--navy)}
.site-header{background:var(--navy);border-bottom:3px solid var(--gold)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:18px 24px;flex-wrap:wrap;gap:12px}
.brand{font-family:Georgia,serif;font-size:24px;font-weight:700;color:#fff}
.brand-mark{color:var(--gold-2)}
.footer-brand{color:var(--ink)}
.footer-brand .brand-mark{color:var(--gold)}
.site-nav{display:flex;gap:22px;flex-wrap:wrap}
.navlink{color:#cfd8e3;font-size:14px;font-weight:600;letter-spacing:.02em;padding:6px 0;border-bottom:2px solid transparent}
.navlink:hover,.navlink.active{color:#fff;border-bottom-color:var(--gold)}
.hero{background:linear-gradient(160deg,var(--navy),var(--navy-2));color:#fff;padding:64px 0 56px}
.hero .wrap{max-width:920px}
.hero h1{color:#fff;font-size:40px;margin:0 0 16px}
.hero p.lead{color:#cfd8e3;font-size:19px;max-width:640px;margin:0 0 28px}
.hero .btn{margin-right:12px}
.pill-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
.pill{display:inline-block;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.25);color:#fff;font-size:13px;padding:6px 14px;border-radius:999px}
.btn{display:inline-block;background:var(--gold);color:#1a1204;font-weight:700;font-size:14px;padding:12px 20px;border-radius:6px;border:none}
.btn:hover{background:var(--gold-2)}
.btn-outline{display:inline-block;border:1px solid rgba(255,255,255,.5);color:#fff;font-weight:600;font-size:14px;padding:11px 19px;border-radius:6px}
section{padding:48px 0}
section.tight{padding:24px 0 48px}
.section-head{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:22px;flex-wrap:wrap;gap:10px}
.section-head h2{font-size:26px;margin:0}
.section-head a{color:var(--navy);font-weight:700;font-size:14px;border-bottom:2px solid var(--gold)}
.cat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.cat-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;display:block}
.cat-card h3{margin:0 0 10px;font-size:20px}
.cat-card p{color:var(--muted);font-size:14.5px;margin:0 0 16px}
.cat-card .count{font-size:12.5px;font-weight:700;color:var(--gold);text-transform:uppercase;letter-spacing:.06em}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;flex-direction:column;gap:8px}
.card:hover{border-color:var(--gold)}
.card-cat{font-size:11.5px;font-weight:700;color:var(--gold);text-transform:uppercase;letter-spacing:.06em}
.card-title{font-size:17px;margin:0;color:var(--navy)}
.card-dek{color:var(--muted);font-size:14px;margin:0;flex-grow:1}
.card-read{font-size:13px;font-weight:700;color:var(--navy)}
.hub-head{background:var(--navy-2);color:#fff;padding:44px 0}
.hub-head h1{color:#fff;margin:0 0 10px}
.hub-head p{color:#cfd8e3;max-width:640px;margin:0}
.breadcrumb{font-size:13px;color:var(--muted);margin:28px 0 18px}
.breadcrumb a{color:var(--muted);font-weight:600}
.breadcrumb a:hover{color:var(--navy)}
.tag{display:inline-block;font-size:11.5px;font-weight:700;color:var(--gold-2);background:var(--navy);padding:5px 12px;border-radius:999px;text-transform:uppercase;letter-spacing:.05em;margin-bottom:14px}
.article h1{font-size:32px;margin:0 0 10px}
.byline{color:var(--muted);font-size:13.5px;margin:0 0 28px;padding-bottom:20px;border-bottom:1px solid var(--line)}
.article-body p{font-size:17px;color:#2b3644;margin:0 0 20px}
.cta-box{margin:40px 0 20px;background:#fbf3e3;border:1px solid #ecd8ab;border-radius:var(--radius);padding:26px}
.cta-box h3{margin:0 0 8px;font-size:18px}
.cta-box p{margin:0 0 16px;color:#5b4a26;font-size:14.5px}
.related{margin-top:44px;padding-top:28px;border-top:1px solid var(--line)}
.related h2{font-size:20px;margin:0 0 18px}
.about-body p{font-size:16.5px;color:#2b3644}
.muted{color:var(--muted)}
.muted.small{font-size:12.5px;margin-top:10px}
.footer-inner{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;padding:48px 24px 24px}
.site-footer{background:#fff;border-top:1px solid var(--line);margin-top:40px}
.footer-col h4{font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:var(--navy);margin:0 0 14px}
.footer-links{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px}
.footer-links li a{font-size:14px;color:var(--muted)}
.footer-links li a:hover{color:var(--navy)}
.disclaimer{border-top:1px solid var(--line);padding:18px 24px 30px;font-size:12px;color:#8492a1;line-height:1.6}
@media (max-width:900px){
  .cat-grid,.grid{grid-template-columns:1fr}
  .footer-inner{grid-template-columns:1fr 1fr}
  .hero h1{font-size:30px}
}
@media (max-width:560px){
  .footer-inner{grid-template-columns:1fr}
}