:root{
  --ink:#15202b; --ink2:#41505f; --ink3:#71828f;
  --line:#e3e9ef; --line2:#eef2f6;
  --bg:#fff; --bg2:#f6f8fa; --bg3:#eef3f7;
  --amber:#b45309; --amber2:#fdf3e7; --amberln:#f0d9bd;
  --blue:#0f5c9c; --blue2:#eaf2fa;
  --ok:#15803d; --okbg:#eefaf1;
  --r:10px; --maxw:1140px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);
  font:16px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;}
img{max-width:100%;height:auto;display:block}
a{color:var(--amber);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:8px 12px;z-index:99;border:1px solid var(--line)}

/* top bar */
.topbar{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);
  backdrop-filter:saturate(180%) blur(6px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:62px}
.brand{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:600}
.brand:hover{text-decoration:none}
.brand-mark{width:32px;height:32px;border-radius:8px;background:var(--amber);color:#fff;
  display:grid;place-items:center;font-size:13px;letter-spacing:.5px;font-weight:700}
.brand-txt{display:flex;flex-direction:column;line-height:1.15}
.brand-txt b{font-size:15px}
.brand-txt i{font-style:normal;font-size:11px;color:var(--ink3);letter-spacing:.4px;text-transform:uppercase}
.nav{display:flex;flex-wrap:wrap;gap:2px}
.nav a{padding:8px 11px;border-radius:8px;color:var(--ink2);font-size:14px;font-weight:500}
.nav a:hover{background:var(--bg3);color:var(--ink);text-decoration:none}
.nav a.on{background:var(--ink);color:#fff}

/* hero */
.hero{padding:52px 0 34px;border-bottom:1px solid var(--line);
  background:linear-gradient(180deg,var(--bg2),#fff)}
.hero h1{font-size:36px;line-height:1.2;margin:0 0 12px;max-width:880px;letter-spacing:-.4px}
.hero .sub{font-size:18px;color:var(--ink2);max-width:760px;margin:0 0 22px}
.hero-mini{padding:34px 0 20px;border-bottom:1px solid var(--line);background:var(--bg2)}
.hero-mini h1{font-size:29px;margin:0 0 8px;letter-spacing:-.3px}
.hero-mini .sub{color:var(--ink2);margin:0;max-width:760px}
.crumb{font-size:13px;color:var(--ink3);padding-top:16px}
.crumb a{color:var(--ink3)}
.crumb i{font-style:normal;margin:0 7px;color:#c2ccd6}

/* layout */
main{display:block}
.sec{padding:44px 0}
.sec.tight{padding:30px 0}
.sec.alt{background:var(--bg2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:24px;margin:0 0 14px;letter-spacing:-.2px}
h3{font-size:18px;margin:26px 0 10px}
h4{font-size:15px;margin:0 0 8px}
.lede{font-size:17px;color:var(--ink2);max-width:820px;margin:0 0 22px}
p{margin:0 0 14px}
ul,ol{margin:0 0 16px;padding-left:22px}
li{margin:0 0 7px}

/* article layout */
.art{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:44px;align-items:start;
  padding:34px 0 56px}
.art-body{max-width:760px;min-width:0}
.art-body h2{margin-top:34px;padding-top:6px}
.art-body h3{margin-top:26px}
.art-body table{margin:0 0 20px}
.art-body .callout{margin:0 0 20px}
.aside{position:sticky;top:80px}
.aside .card{margin-bottom:16px}

/* answer box */
.answer{background:var(--amber2);border:1px solid var(--amberln);border-left:4px solid var(--amber);
  border-radius:var(--r);padding:16px 18px;margin:0 0 24px}
.answer b{display:block;font-size:12px;letter-spacing:.7px;text-transform:uppercase;
  color:var(--amber);margin-bottom:6px}
.answer p{margin:0;font-size:16px;color:var(--ink)}

/* callout */
.callout{border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;background:var(--bg2)}
.callout.info{background:var(--blue2);border-color:#cfe2f3}
.callout.warn{background:var(--amber2);border-color:var(--amberln)}
.callout.ok{background:var(--okbg);border-color:#c9ebd6}
.callout b{font-size:13px;letter-spacing:.4px;text-transform:uppercase;display:block;margin-bottom:5px}
.callout.info b{color:var(--blue)}
.callout.warn b{color:var(--amber)}
.callout.ok b{color:var(--ok)}
.callout p:last-child,.callout ul:last-child{margin-bottom:0}

/* tables */
table{width:100%;border-collapse:collapse;font-size:15px;background:#fff;
  border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
th,td{text-align:left;padding:11px 13px;border-bottom:1px solid var(--line2);vertical-align:top}
th{background:var(--bg3);font-size:13px;letter-spacing:.4px;text-transform:uppercase;color:var(--ink2)}
tr:last-child td{border-bottom:0}
td b{display:block;color:var(--ink)}
code{background:var(--bg3);padding:1px 6px;border-radius:5px;font-size:14px;
  font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace}

/* steps */
.steps{counter-reset:s;list-style:none;padding:0;margin:0 0 20px}
.steps>li{counter-increment:s;position:relative;padding:0 0 20px 46px;margin:0}
.steps>li:before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;
  border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;
  font-size:14px;font-weight:600}
.steps>li:after{content:"";position:absolute;left:14px;top:34px;bottom:4px;width:2px;background:var(--line)}
.steps>li:last-child:after{display:none}
.steps>li>b{display:block;margin-bottom:4px}
.steps>li p{margin:0;color:var(--ink2)}
.steps>li p+p{margin-top:7px}

/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(255px,1fr));gap:16px}
.card{border:1px solid var(--line);border-radius:var(--r);padding:18px;background:#fff}
.card h3{margin:0 0 8px;font-size:17px}
.card p{margin:0 0 10px;color:var(--ink2);font-size:15px}
.card a.more{font-size:14px;font-weight:600}
.card .tag{display:inline-block;font-size:11px;letter-spacing:.5px;text-transform:uppercase;
  color:var(--ink3);margin-bottom:8px}
.list{border-top:1px solid var(--line)}
.list a{display:flex;gap:14px;justify-content:space-between;align-items:baseline;
  padding:14px 2px;border-bottom:1px solid var(--line);color:var(--ink)}
.list a:hover{text-decoration:none;background:var(--bg2)}
.list a b{font-weight:600;font-size:16px}
.list a span{color:var(--ink3);font-size:14px;text-align:right;max-width:46%}

/* faq */
.faq details{border:1px solid var(--line);border-radius:var(--r);background:#fff;margin-bottom:10px}
.faq summary{cursor:pointer;padding:14px 16px;font-weight:600;font-size:16px;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";float:right;color:var(--ink3);font-weight:400}
.faq details[open] summary:after{content:"\2013"}
.faq .fb{padding:0 16px 16px;color:var(--ink2)}
.faq .fb p:last-child{margin-bottom:0}

/* cta */
.cta{border:1px solid var(--amberln);background:var(--amber2);border-radius:var(--r);
  padding:20px;margin:30px 0 0}
.cta h3{margin:0 0 8px;font-size:18px}
.cta p{color:var(--ink2);margin:0 0 14px}
.cta ul{color:var(--ink2);margin:0 0 14px}
.btn{display:inline-block;background:var(--ink);color:#fff;padding:11px 18px;border-radius:8px;
  font-weight:600;font-size:15px}
.btn:hover{background:#000;text-decoration:none;color:#fff}
.btn.alt{background:var(--amber)}
.btn.alt:hover{background:#92400e}

/* glossary */
.gl{width:100%;font-size:15px}
.gl th{width:28%}

/* contact / misc */
.two{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px}
.note{font-size:14px;color:var(--ink3)}
.stat{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px;margin:0 0 6px}
.stat div{border:1px solid var(--line);border-radius:var(--r);padding:14px;background:#fff}
.stat b{display:block;font-size:22px;letter-spacing:-.3px}
.stat span{font-size:13px;color:var(--ink3)}

/* footer */
.foot{background:var(--ink);color:#c9d5df;margin-top:52px;padding:44px 0 26px;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:28px}
.foot h4{color:#fff;font-size:13px;letter-spacing:.6px;text-transform:uppercase;margin-bottom:12px}
.foot ul{list-style:none;padding:0;margin:0}
.foot li{margin-bottom:8px}
.foot a{color:#c9d5df}
.foot a:hover{color:#fff}
.foot-brand{color:#fff;font-weight:600;font-size:17px;margin-bottom:8px}
.foot-base{border-top:1px solid #2b3a48;margin-top:28px;padding-top:18px;
  display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:13px;color:#8fa1b1}
.foot-note{max-width:620px}

@media (max-width:960px){
  .art{grid-template-columns:1fr;gap:0}
  .aside{position:static;margin-top:8px}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:700px){
  .hero h1{font-size:28px}
  .hero-mini h1{font-size:23px}
  .bar{flex-direction:column;align-items:flex-start;padding:10px 0}
  .nav{gap:0}
  .nav a{padding:6px 9px;font-size:13px}
  .foot-grid{grid-template-columns:1fr}
}

/* ---- social profiles (added 2026-10-07) ---- */
.social-row{display:flex;align-items:center;gap:9px;margin-top:14px;flex-wrap:wrap}
.social-row .s-label{font-size:11.5px;letter-spacing:.08em;text-transform:uppercase;
  color:#8fa1b1;margin-right:2px}
.social-row a{display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;
  border-radius:8px;background:#2b3a48;transition:background .18s,transform .18s}
.social-row a:hover{background:var(--amber);transform:translateY(-2px)}
.social-row a svg{fill:#fff}
.social-list{list-style:none;padding:0;margin:0 0 20px;display:flex;flex-wrap:wrap;gap:8px 22px}
.social-list li{margin:0}
.social-list a{font-weight:600;color:var(--blue)}
.social-list a:hover{color:var(--amber)}