:root{--navy:#0D1B40;--navy2:#1A2E5E;--teal:#0A6E6E;--gold:#C9933A;--gold2:#E8B95A;--paper:#F7FAF9;--ink:#1A2C2C;--muted:#4A6060;--line:#DDE7E5}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter','Segoe UI',system-ui,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.75;overflow-x:hidden}
a{color:var(--teal);text-decoration:none}
a:hover{color:var(--navy)}
.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.95);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{max-width:1080px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:14px;padding:12px 18px}
.brand{display:flex;align-items:center;gap:10px;font-weight:900;color:var(--navy)}
.brand img{width:40px;height:40px;border-radius:50%;border:2px solid var(--gold)}
.nlinks{display:flex;align-items:center;gap:14px;font-size:.84rem;font-weight:800;color:var(--muted)}
.nlinks a{color:var(--muted)}
.nlinks .cta{background:linear-gradient(135deg,var(--gold),var(--gold2));color:var(--navy);border-radius:999px;padding:8px 14px}
.wrap{max-width:760px;margin:0 auto;padding:0 18px}
.wrap-wide{max-width:1080px;margin:0 auto;padding:0 18px}
.crumb{font-size:.78rem;color:var(--muted);padding:22px 0 0}
.crumb a{color:var(--teal)}
.lib-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 60%,var(--teal) 100%);color:#fff;padding:60px 18px 56px}
.lib-hero .wrap-wide{text-align:center}
.eyebrow{display:inline-block;background:rgba(232,185,90,.18);border:1px solid rgba(232,185,90,.34);color:var(--gold2);border-radius:999px;padding:6px 13px;font-size:.72rem;font-weight:900;text-transform:uppercase;letter-spacing:1px;margin-bottom:14px}
.lib-hero h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(1.9rem,4.6vw,3rem);line-height:1.12;margin-bottom:12px}
.lib-hero p{color:rgba(255,255,255,.82);max-width:620px;margin:0 auto;font-size:1rem}
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;padding:44px 0}
.acard{display:block;background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:0 12px 34px rgba(13,27,64,.06);transition:transform .25s,box-shadow .25s}
.acard:hover{transform:translateY(-4px);box-shadow:0 20px 46px rgba(10,110,110,.12)}
.acard .k{font-size:.7rem;font-weight:900;text-transform:uppercase;letter-spacing:.6px;color:var(--gold)}
.acard h2{font-size:1.12rem;color:var(--navy);margin:8px 0 8px;line-height:1.3}
.acard p{font-size:.88rem;color:var(--muted)}
.acard .read{margin-top:12px;font-size:.78rem;font-weight:800;color:var(--teal)}
article{padding:6px 0 10px}
article h1{font-family:Georgia,serif;font-size:clamp(1.7rem,4vw,2.5rem);line-height:1.18;color:var(--navy);margin:14px 0 10px}
.meta{font-size:.8rem;color:var(--muted);margin-bottom:24px;padding-bottom:18px;border-bottom:1px solid var(--line)}
article h2{font-size:1.3rem;color:var(--navy);margin:30px 0 10px;font-family:Georgia,serif}
article h3{font-size:1.05rem;color:var(--navy);margin:22px 0 8px}
article p{margin:0 0 15px;color:var(--ink);font-size:1rem}
article ul,article ol{margin:0 0 16px 22px}
article li{margin:0 0 8px;color:var(--ink)}
article strong{color:var(--navy)}
.lead{font-size:1.1rem;color:var(--muted);line-height:1.7}
.takeaway{background:linear-gradient(135deg,#FFF8EC,#F4FAFA);border:1px solid rgba(201,147,58,.24);border-radius:16px;padding:20px 22px;margin:24px 0}
.takeaway b{display:block;color:var(--gold);font-size:.74rem;font-weight:900;text-transform:uppercase;letter-spacing:.6px;margin-bottom:8px}
.takeaway ul{margin:0 0 0 20px}
.note{background:var(--paper);border-left:4px solid var(--teal);border-radius:0 12px 12px 0;padding:14px 18px;margin:20px 0;font-size:.92rem;color:var(--muted)}
table.cmp{width:100%;border-collapse:collapse;margin:18px 0;font-size:.9rem}
table.cmp th,table.cmp td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
table.cmp th{background:var(--paper);color:var(--navy);font-weight:800}
.cta-box{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:20px;padding:32px 26px;text-align:center;margin:36px 0}
.cta-box h3{color:#fff;font-size:1.3rem;margin-bottom:8px}
.cta-box p{color:rgba(255,255,255,.8);max-width:560px;margin:0 auto 18px;font-size:.95rem}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;border-radius:999px;padding:13px 22px;font-weight:900;font-size:.9rem}
.btn.gold{background:linear-gradient(135deg,var(--gold),var(--gold2));color:var(--navy);box-shadow:0 12px 28px rgba(201,147,58,.34)}
.btn.ghost{border:1px solid rgba(255,255,255,.3);color:#fff;margin-left:8px}
.related{border-top:1px solid var(--line);margin-top:40px;padding:28px 0}
.related h2{font-size:1.1rem;color:var(--navy);margin-bottom:14px;font-family:inherit}
.related a{display:block;padding:10px 0;border-bottom:1px solid var(--line);font-weight:700;color:var(--navy)}
.related a:hover{color:var(--teal)}
footer.foot{background:var(--navy);color:rgba(255,255,255,.72);padding:30px 18px;text-align:center;font-size:.84rem;margin-top:20px}
footer.foot a{color:var(--gold2)}
@media(max-width:760px){.cards{grid-template-columns:1fr}.nlinks a:not(.cta){display:none}}