:root{--navy:#2c3e50;--navy-dark:#1a252f;--red:#c41e3a;--red-dark:#9e1730;--gold:#c9a961;--cream:#f8f7f3;--text:#273444;--muted:#5f6b76}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.7}a{color:var(--red)}a:hover{color:var(--red-dark)}.skip{position:absolute;left:-9999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.75rem 1rem;z-index:1000}.nav{position:sticky;top:0;z-index:50;background:#fff;border-bottom:4px solid var(--gold);box-shadow:0 2px 12px rgba(0,0,0,.08)}.nav-inner{max-width:1120px;margin:auto;padding:1rem 1.25rem;display:flex;align-items:center;justify-content:space-between;gap:1rem}.brand{font-size:1.35rem;font-weight:800;text-decoration:none;color:var(--navy)}.nav-links{display:flex;align-items:center;gap:1.1rem;flex-wrap:wrap}.nav-links a{text-decoration:none;font-weight:700;color:var(--navy)}.nav-links .cta{background:var(--red);color:#fff;padding:.65rem 1rem;border-radius:.5rem}.hero{background:linear-gradient(135deg,var(--navy-dark),var(--red));color:#fff;padding:4.5rem 1.25rem}.hero-inner,.article,.cta-box,.footer-inner{max-width:880px;margin:auto}.eyebrow{text-transform:uppercase;letter-spacing:.16em;color:#f0d792;font-weight:800;font-size:.78rem}.hero h1{font-family:Georgia,serif;font-size:clamp(2.2rem,5vw,4rem);line-height:1.12;margin:.7rem 0 1rem}.dek{font-size:1.2rem;color:#eef1f4;max-width:760px}.byline{margin-top:1.4rem;color:#e4e8eb;font-size:.95rem}.article{padding:3.5rem 1.25rem}.article h2{font-family:Georgia,serif;color:var(--navy);font-size:1.9rem;line-height:1.25;margin:2.3rem 0 .8rem}.article h3{color:var(--navy);font-size:1.2rem;margin:1.6rem 0 .45rem}.article p{margin:.8rem 0}.article ul,.article ol{padding-left:1.4rem}.article li{margin:.55rem 0}.callout{background:var(--cream);border-left:5px solid var(--gold);padding:1.25rem 1.4rem;margin:2rem 0}.checklist{background:#f7faf9;border:1px solid #dfe9e5;border-radius:.75rem;padding:1.4rem;margin:2rem 0}.resources{background:#f7f7f7;border-radius:.75rem;padding:1.4rem;margin-top:2.5rem}.resources h2{margin-top:0;font-size:1.45rem}.cta-section{background:var(--navy);color:#fff;padding:3rem 1.25rem}.cta-box{text-align:center}.cta-box h2{font-family:Georgia,serif;font-size:2rem;margin:0 0 .8rem}.button{display:inline-block;background:var(--red);color:#fff!important;text-decoration:none;font-weight:800;padding:.9rem 1.25rem;border-radius:.55rem;margin:.5rem}.button.secondary{background:#fff;color:var(--navy)!important}.disclaimer{font-size:.82rem;color:#69737c;margin-top:2rem;border-top:1px solid #ddd;padding-top:1rem}.footer{background:var(--navy-dark);color:#d9dee2;padding:2rem 1.25rem}.footer-inner{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}.footer a{color:#f0d792}@media(max-width:760px){.nav-links a:not(.cta){display:none}.hero{padding-top:3.2rem}.article{padding-top:2.5rem}}