:root{
  --ink:#16233D;
  --ink-2:#0F1930;
  --gold:#C69214;
  --gold-2:#A97A0E;
  --gold-soft:#F3E8C7;
  --green:#1F6E5A;
  --bg:#F6F5F2;
  --surface:#FFFFFF;
  --text:#1C2333;
  --muted:#626C7A;
  --line:#E5E2DC;
  --line-2:#EEEBE4;
  --radius:14px;
  --radius-sm:10px;
  --maxw:1120px;
  --measure:730px;
  --shadow:0 1px 2px rgba(22,35,61,.04),0 8px 24px rgba(22,35,61,.06);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;background:var(--bg);color:var(--text);
  font-family:"Inter",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--ink);text-underline-offset:3px;text-decoration-color:rgba(198,146,20,.5)}
a:hover{color:var(--gold-2)}
h1,h2,h3,h4{font-family:"Fraunces",Georgia,"Times New Roman",serif;line-height:1.15;color:var(--ink);font-weight:600;letter-spacing:-.01em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.eyebrow{font-family:"Inter",sans-serif;font-size:12.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-2)}
.muted{color:var(--muted)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(246,245,242,.86);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:26px;height:66px}
.brand{display:flex;align-items:baseline;gap:2px;font-family:"Fraunces",serif;font-weight:600;font-size:21px;color:var(--ink);text-decoration:none;letter-spacing:-.02em;white-space:nowrap}
.brand b{color:var(--gold-2);font-weight:600}
.brand .dot{color:var(--gold)}
.nav-links{display:flex;gap:22px;margin-left:8px}
.nav-links a{font-size:15px;font-weight:500;color:var(--ink);text-decoration:none;padding:6px 0;border-bottom:2px solid transparent}
.nav-links a:hover{border-color:var(--gold)}
.nav-spacer{margin-left:auto}
.nav-cta{background:var(--ink);color:#fff!important;padding:9px 16px;border-radius:999px;font-size:14px;font-weight:600;text-decoration:none}
.nav-cta:hover{background:var(--gold-2);color:#fff!important}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 10px;cursor:pointer;font-size:15px;color:var(--ink)}

/* Hero */
.hero{padding:66px 0 30px}
.hero .eyebrow{margin-bottom:14px;display:block}
.hero h1{font-size:clamp(34px,5.2vw,58px);margin:0 0 18px;max-width:16ch}
.hero .lede{font-size:clamp(18px,2.2vw,21px);color:var(--muted);max-width:60ch;margin:0 0 26px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:999px;font-weight:600;font-size:15px;text-decoration:none;border:1px solid transparent}
.btn-primary{background:var(--gold);color:#231a05}
.btn-primary:hover{background:var(--gold-2);color:#fff}
.btn-ghost{background:var(--surface);border-color:var(--line);color:var(--ink)}
.btn-ghost:hover{border-color:var(--gold);color:var(--ink)}
.stat-strip{display:flex;gap:34px;flex-wrap:wrap;margin-top:40px;padding-top:26px;border-top:1px solid var(--line)}
.stat b{font-family:"Fraunces",serif;font-size:30px;color:var(--ink);display:block;line-height:1}
.stat span{font-size:13.5px;color:var(--muted)}

/* Sections */
.section{padding:52px 0}
.section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-bottom:26px;border-bottom:1px solid var(--line);padding-bottom:14px}
.section-head h2{font-size:clamp(24px,3vw,32px);margin:6px 0 0}
.section-head .eyebrow{display:block}
.section-head a{font-size:14px;font-weight:600;white-space:nowrap;text-decoration:none;color:var(--gold-2)}

/* Cards grid */
.grid{display:grid;gap:18px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;position:relative;overflow:hidden;text-decoration:none;color:inherit;display:block;transition:transform .15s ease,box-shadow .15s ease,border-color .15s}
.card::before{content:"";position:absolute;left:0;top:0;height:3px;width:100%;background:linear-gradient(90deg,var(--gold),transparent 65%);opacity:0;transition:opacity .2s}
.card:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:#dcd7cc}
.card:hover::before{opacity:1}
.card .kicker{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-2)}
.card h3{font-size:20px;margin:10px 0 8px}
.card p{margin:0;color:var(--muted);font-size:15px}
.card .more{margin-top:14px;font-size:14px;font-weight:600;color:var(--ink)}

/* Sector cards */
.sector{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:20px;text-decoration:none;color:inherit;display:flex;flex-direction:column;gap:6px;transition:border-color .15s,transform .15s}
.sector:hover{border-color:var(--gold);transform:translateY(-2px)}
.sector .ic{font-size:22px}
.sector h3{font-size:17px;margin:6px 0 2px}
.sector .range{font-size:13px;color:var(--green);font-weight:600}

/* Article layout */
.article-wrap{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;align-items:start;padding:34px 0 60px}
.crumbs{font-size:13px;color:var(--muted);margin:22px 0 6px}
.crumbs a{text-decoration:none;color:var(--muted)}
.crumbs a:hover{color:var(--gold-2)}
.article h1{font-size:clamp(30px,4.2vw,46px);margin:6px 0 12px;max-width:20ch}
.article .lede{font-size:20px;color:var(--muted);margin:0 0 8px}
.article .meta{font-size:13.5px;color:var(--muted);margin:14px 0 22px;padding-bottom:22px;border-bottom:1px solid var(--line);display:flex;gap:16px;flex-wrap:wrap}
.article .meta .tag{background:var(--gold-soft);color:var(--gold-2);padding:2px 10px;border-radius:999px;font-weight:600;font-size:12px}
.prose{max-width:var(--measure)}
.prose h2{font-size:27px;margin:40px 0 12px;padding-top:6px}
.prose h3{font-size:20px;margin:28px 0 8px;font-weight:600}
.prose p{margin:0 0 16px}
.prose ul,.prose ol{margin:0 0 18px;padding-left:22px}
.prose li{margin:0 0 8px}
.prose li::marker{color:var(--gold-2)}
.prose strong{color:var(--ink-2)}
.prose a{font-weight:500}
.prose .lead-para::first-letter{font-family:"Fraunces",serif;font-size:56px;line-height:.8;float:left;padding:6px 12px 0 0;color:var(--gold-2);font-weight:600}
.callout{background:#fff;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:var(--radius-sm);padding:16px 18px;margin:22px 0;font-size:15.5px}
.callout b{color:var(--ink)}
.note-green{border-left-color:var(--green)}
table{width:100%;border-collapse:collapse;margin:20px 0;font-size:15px;background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);overflow:hidden}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line-2)}
th{background:#FBFAF7;font-family:"Inter",sans-serif;font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:700}
tr:last-child td{border-bottom:none}
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:22px 0}
.pc{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:16px 18px}
.pc h4{margin:0 0 10px;font-size:15px;font-family:"Inter",sans-serif;font-weight:700}
.pc.plus h4{color:var(--green)}
.pc.minus h4{color:#B4472F}
.pc ul{margin:0;padding-left:18px;font-size:14.5px}
.pc li{margin-bottom:7px}

/* TOC */
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;margin:0 0 26px}
.toc .eyebrow{display:block;margin-bottom:10px}
.toc ol{margin:0;padding-left:18px;font-size:14.5px}
.toc li{margin-bottom:7px}
.toc a{text-decoration:none;color:var(--ink)}
.toc a:hover{color:var(--gold-2)}

/* Sidebar */
.side{position:sticky;top:86px;display:flex;flex-direction:column;gap:22px}
.side-box{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px}
.side-box .eyebrow{display:block;margin-bottom:12px}
.side-list a{display:block;font-size:14.5px;font-weight:500;text-decoration:none;color:var(--ink);padding:8px 0;border-bottom:1px solid var(--line-2)}
.side-list a:last-child{border-bottom:none}
.side-list a:hover{color:var(--gold-2)}

/* Ad slots */
.ad-slot{margin:26px 0;text-align:center;min-height:90px;display:flex;align-items:center;justify-content:center}
.ad-slot .ad-label{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#b9b2a4}
.ad-inarticle{margin:30px auto;max-width:var(--measure)}
.ad-placeholder{width:100%;border:1px dashed #d8d2c4;border-radius:10px;color:#b9b2a4;font-size:12px;padding:34px 10px;background:repeating-linear-gradient(45deg,#faf9f6,#faf9f6 10px,#f4f2ec 10px,#f4f2ec 20px)}

/* FAQ */
.faq{max-width:var(--measure)}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:2px 18px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:600;font-size:16.5px;padding:15px 0;list-style:none;color:var(--ink);display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold-2);font-size:22px;font-weight:400;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details[open] summary{border-bottom:1px solid var(--line-2)}
.faq details p{margin:14px 0;color:var(--muted);font-size:15.5px}

/* CTA band */
.band{background:var(--ink);color:#fff;border-radius:20px;padding:40px 40px;margin:20px 0;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;position:relative;overflow:hidden}
.band::after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;background:radial-gradient(circle,rgba(198,146,20,.35),transparent 70%)}
.band h2{color:#fff;font-size:28px;margin:0 0 8px}
.band p{color:#c8cdd8;margin:0;max-width:52ch}
.band .btn-primary{position:relative;z-index:1}

/* Footer */
.site-footer{background:var(--ink-2);color:#c4cad6;margin-top:40px;padding:52px 0 30px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px;margin-bottom:34px}
.site-footer .brand{color:#fff;font-size:20px}
.site-footer .brand b{color:var(--gold)}
.foot-grid p{color:#8f97a6;margin:12px 0 0;max-width:34ch}
.foot-grid h4{color:#fff;font-family:"Inter",sans-serif;font-size:13px;text-transform:uppercase;letter-spacing:.08em;margin:0 0 14px}
.foot-grid a{display:block;color:#c4cad6;text-decoration:none;padding:5px 0}
.foot-grid a:hover{color:var(--gold)}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;color:#8f97a6;font-size:13px}
.foot-bottom a{color:#8f97a6}

/* Responsive */
@media(max-width:960px){
  .article-wrap{grid-template-columns:1fr}
  .side{position:static;flex-direction:row;flex-wrap:wrap}
  .side-box{flex:1;min-width:240px}
  .grid-3{grid-template-columns:1fr 1fr}
}
@media(max-width:720px){
  body{font-size:16px}
  .nav-links,.nav-spacer+.nav-cta{display:none}
  .menu-btn{display:inline-block;margin-left:auto}
  .nav-links.open{display:flex;position:absolute;top:66px;left:0;right:0;flex-direction:column;background:var(--surface);border-bottom:1px solid var(--line);padding:12px 22px;gap:2px}
  .nav-links.open a{padding:12px 0;border-bottom:1px solid var(--line-2)}
  .grid-3,.grid-2,.pros-cons,.foot-grid{grid-template-columns:1fr}
  .band{padding:28px 24px}
  .stat-strip{gap:22px}
}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}