:root{
  --ink:#0d1726;
  --navy:#12233d;
  --navy-2:#1c3557;
  --paper:#f5f2ea;
  --white:#ffffff;
  --muted:#6d7682;
  --line:#d8d2c7;
  --accent:#b38a4a;
  --accent-dark:#8e6b35;
  --max:1180px;
  --shadow:0 18px 48px rgba(13,23,38,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.container{width:min(calc(100% - 40px),var(--max));margin:0 auto}
.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid rgba(13,23,38,.08)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:28px}
.brand{display:flex;align-items:baseline;gap:12px;font-weight:800;letter-spacing:.08em;white-space:nowrap}
.brand .brand-main{font-size:20px;color:var(--navy)}
.brand .brand-sub{font-size:11px;color:var(--muted);font-weight:600;letter-spacing:.14em}
.nav{display:flex;align-items:center;gap:23px;font-size:14px;color:#334155}
.nav a{padding:28px 0 24px;border-bottom:2px solid transparent}
.nav a:hover,.nav a.active{color:var(--navy);border-color:var(--accent)}
.nav-cta{padding:11px 17px!important;border:1px solid var(--navy)!important;border-radius:2px;color:var(--navy)!important;line-height:1;border-bottom:1px solid var(--navy)!important}
.nav-cta:hover{background:var(--navy);color:#fff!important}
.menu-btn{display:none;background:none;border:0;font-size:26px;color:var(--navy);cursor:pointer}
.hero{position:relative;overflow:hidden;background:linear-gradient(118deg,#0d1726 0%,#12233d 62%,#19395c 100%);color:#fff;padding:112px 0 104px}
.hero:after{content:"";position:absolute;inset:0;background:radial-gradient(circle at 78% 18%,rgba(179,138,74,.18),transparent 28%),linear-gradient(120deg,transparent 60%,rgba(255,255,255,.03));pointer-events:none}
.hero .container{position:relative;z-index:1}
.eyebrow{font-size:13px;text-transform:uppercase;letter-spacing:.17em;font-weight:700;color:var(--accent);margin-bottom:18px}
.hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(46px,6vw,78px);line-height:1.02;font-weight:500;letter-spacing:-.03em;max-width:850px;margin:0 0 24px}
.hero p{font-size:20px;line-height:1.55;color:#d7dee8;max-width:760px;margin:0 0 34px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 20px;border-radius:2px;border:1px solid transparent;font-weight:700;font-size:14px;letter-spacing:.01em}
.btn-primary{background:var(--accent);color:#101722}.btn-primary:hover{background:#c49b5d}
.btn-ghost{border-color:rgba(255,255,255,.35);color:#fff}.btn-ghost:hover{border-color:#fff}
.metrics{background:var(--paper);border-bottom:1px solid var(--line)}
.metrics-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.metric{padding:34px 30px;border-right:1px solid var(--line)}
.metric:last-child{border-right:0}
.metric strong{display:block;font-family:Georgia,"Times New Roman",serif;font-size:31px;color:var(--navy);font-weight:500}
.metric span{font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.section{padding:88px 0}
.section.alt{background:var(--paper)}
.section.dark{background:var(--navy);color:#fff}
.section-head{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:start;margin-bottom:50px}
.section-head h2,.page-intro h1{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:clamp(34px,4vw,54px);line-height:1.07;font-weight:500;letter-spacing:-.02em;margin:0}
.section.dark .section-head h2{color:#fff}
.lead{font-size:19px;color:#485566;max-width:740px;margin:0}
.section.dark .lead{color:#d7dee8}
.kicker{font-size:12px;text-transform:uppercase;letter-spacing:.16em;color:var(--accent);font-weight:800;margin-bottom:12px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.card{border:1px solid var(--line);padding:30px;background:#fff;min-height:100%}
.card.dark-card{background:#172a45;border-color:#314763;color:#fff}
.card h3{font-family:Georgia,"Times New Roman",serif;font-size:25px;font-weight:500;color:var(--navy);margin:0 0 12px}
.card.dark-card h3{color:#fff}
.card p{margin:0;color:#5e6875}
.card.dark-card p{color:#ccd5df}
.card .num{font-size:12px;letter-spacing:.14em;color:var(--accent);font-weight:800;margin-bottom:18px}
.text-link{display:inline-flex;margin-top:18px;font-weight:800;color:var(--navy);font-size:14px}
.text-link:after{content:"→";margin-left:8px}
.market-callout{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding:42px;border:1px solid rgba(179,138,74,.5);background:linear-gradient(135deg,#fff,#faf8f2)}
.market-callout h3{font-family:Georgia,"Times New Roman",serif;font-size:36px;font-weight:500;color:var(--navy);line-height:1.14;margin:0 0 14px}
.market-callout p{margin:0;color:#526070}
.quote-block{border-left:3px solid var(--accent);padding-left:24px;font-family:Georgia,"Times New Roman",serif;font-size:29px;line-height:1.35;color:var(--navy)}
.list-clean{list-style:none;margin:0;padding:0}
.list-clean li{padding:13px 0;border-bottom:1px solid var(--line);display:flex;gap:12px;align-items:flex-start}
.list-clean li:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--accent);margin-top:9px;flex:0 0 auto}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
.band{padding:62px 0;background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band-inner{display:flex;align-items:center;justify-content:space-between;gap:28px}
.band h2{font-family:Georgia,"Times New Roman",serif;font-size:35px;font-weight:500;color:var(--navy);margin:0;max-width:720px}
.page-hero{background:var(--paper);border-bottom:1px solid var(--line);padding:80px 0 72px}
.page-intro{max-width:900px}
.page-intro p{font-size:20px;color:#536070;max-width:760px;margin:22px 0 0}
.content-narrow{max-width:820px}
.content-narrow h2{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:34px;font-weight:500;margin:48px 0 14px}
.content-narrow h3{font-size:20px;color:var(--navy);margin:32px 0 10px}
.content-narrow p{color:#465466}
.source-note{font-size:12px;color:#7b8490;margin-top:28px}
.source-note a{text-decoration:underline}
.timeline{border-left:1px solid var(--line);margin-left:11px;padding-left:34px}
.timeline-item{position:relative;padding:0 0 34px}
.timeline-item:before{content:"";position:absolute;left:-40px;top:8px;width:11px;height:11px;background:var(--accent);border:3px solid #fff;box-shadow:0 0 0 1px var(--accent);border-radius:50%}
.timeline-item .year{font-weight:800;color:var(--accent);font-size:13px;letter-spacing:.12em}
.timeline-item h3{font-family:Georgia,"Times New Roman",serif;font-size:25px;color:var(--navy);font-weight:500;margin:5px 0 8px}
.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.article-card{border:1px solid var(--line);padding:30px;background:#fff}
.article-card .meta{font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:var(--accent);font-weight:800}
.article-card h3{font-family:Georgia,"Times New Roman",serif;font-size:25px;line-height:1.2;color:var(--navy);font-weight:500;margin:12px 0}
.article-card p{color:#5c6774}
.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px}
.contact-card{background:var(--navy);color:#fff;padding:38px}
.contact-card h3{font-family:Georgia,"Times New Roman",serif;font-size:31px;font-weight:500;margin:0 0 6px}
.contact-card .role{color:#cbd5df;margin-bottom:24px}
.contact-card a{color:#fff;text-decoration:underline;text-underline-offset:4px}
.footer{background:#0a1321;color:#b9c3d0;padding:46px 0 26px}
.footer-grid{display:grid;grid-template-columns:1.25fr 1fr 1fr;gap:50px}
.footer h4{color:#fff;font-size:13px;letter-spacing:.11em;text-transform:uppercase;margin:0 0 14px}
.footer p,.footer a{font-size:13px;color:#aeb9c7}
.footer a:hover{color:#fff}
.footer-links{display:grid;gap:8px}
.footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid rgba(255,255,255,.12);padding-top:22px;margin-top:34px;font-size:12px;color:#8693a3}
.article h1{font-family:Georgia,"Times New Roman",serif;font-size:52px;line-height:1.08;color:var(--navy);font-weight:500;letter-spacing:-.02em;margin:0 0 18px}
.article .deck{font-size:20px;color:#536070;max-width:760px}
.article-body{max-width:780px;margin-top:48px}
.article-body h2{font-family:Georgia,"Times New Roman",serif;font-size:32px;color:var(--navy);font-weight:500;margin:42px 0 12px}
.article-body p{color:#475568}
.article-body ul{color:#475568}
.note-box{border:1px solid var(--line);background:var(--paper);padding:24px;margin:30px 0}
@media (max-width:960px){
  .nav{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:16px 24px 24px;flex-direction:column;align-items:flex-start;gap:0}
  .nav.open{display:flex}.nav a{padding:12px 0;width:100%}.nav-cta{margin-top:10px;width:auto!important;padding:11px 17px!important}
  .menu-btn{display:block}.brand-sub{display:none}
  .metrics-grid{grid-template-columns:repeat(2,1fr)}.metric:nth-child(2){border-right:0}.metric:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .section-head,.market-callout,.split,.contact-grid{grid-template-columns:1fr;gap:28px}
  .grid-3,.article-grid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  .container{width:min(calc(100% - 28px),var(--max))}
  .hero{padding:78px 0 72px}.hero p{font-size:18px}.page-hero{padding:62px 0 54px}
  .metrics-grid,.grid-3,.grid-2,.article-grid,.footer-grid{grid-template-columns:1fr}
  .metric{border-right:0;border-bottom:1px solid var(--line)!important}.metric:last-child{border-bottom:0!important}
  .section{padding:66px 0}.section-head{margin-bottom:34px}.band-inner{align-items:flex-start;flex-direction:column}
  .market-callout{padding:28px}.quote-block{font-size:25px}.footer-bottom{flex-direction:column}
  .article h1{font-size:40px}
}