:root{
  --paper:#ECEFF0; --paper-2:#E1E7E9; --card:#F7F9FA;
  --ink:#232B2E; --slate:#2E3437; --muted:#5E6E74;
  --deep:#2A6076; --deep-2:#347089; --teal:#3D91AB; --teal-2:#327F97;
  --line:#CCD5D8; --line-soft:#DBE2E4;
  --shadow:0 18px 42px -26px rgba(35,55,62,.55);
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{margin:0;background:var(--paper);color:var(--ink);font-family:"Work Sans",system-ui,sans-serif;font-size:18px;line-height:1.7;-webkit-font-smoothing:antialiased;}
h1,h2,h3{font-family:"Poppins",system-ui,sans-serif;font-weight:600;line-height:1.15;margin:0;letter-spacing:-.01em;}
a{color:var(--deep);}
.wrap{max-width:1120px;margin:0 auto;padding:0 clamp(20px,5vw,44px);}

/* header */
header.nav{position:sticky;top:0;z-index:50;background:rgba(236,239,240,.85);backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid var(--line-soft);}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:70px;}
.brand{display:flex;align-items:center;gap:.65rem;text-decoration:none;}
.monogram{width:38px;height:38px;border-radius:9px;background:var(--slate);color:#EAF1F3;display:grid;place-items:center;font-family:"Poppins",sans-serif;font-weight:600;font-size:15px;flex:none;}
.brand b{font-family:"Poppins",sans-serif;font-weight:600;font-size:17px;color:var(--deep);letter-spacing:-.01em;}
.brand small{display:block;font-family:"Poppins",sans-serif;font-weight:500;font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);}
nav.links{display:flex;align-items:center;gap:1.7rem;}
nav.links a{text-decoration:none;font-weight:500;font-size:15px;color:var(--ink);transition:color .2s;}
nav.links a:hover{color:var(--deep);}
.nav-cta{background:var(--deep);color:#F2F8F9;text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 22px;border-radius:999px;transition:background .2s,transform .2s;font-family:"Poppins",sans-serif;}
.nav-cta:hover{background:var(--deep-2);transform:translateY(-1px);}

/* article */
.article{padding:clamp(34px,6vw,64px) 0 20px;}
.article .col{max-width:720px;margin:0 auto;}
.crumb{font-family:"Poppins",sans-serif;font-size:12.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--deep);margin-bottom:1.2rem;}
.crumb a{text-decoration:none;}
.article h1{font-size:clamp(30px,4.6vw,46px);font-weight:700;letter-spacing:-.02em;}
.byline{display:flex;align-items:center;gap:12px;margin:1.6rem 0 0;padding-bottom:1.8rem;border-bottom:1px solid var(--line-soft);}
.byline .av{width:44px;height:44px;border-radius:50%;object-fit:cover;object-position:center 15%;flex:none;background:var(--paper-2);}
.byline .who{font-size:14.5px;line-height:1.35;}
.byline .who b{font-family:"Poppins",sans-serif;font-weight:600;color:var(--ink);}
.byline .who b a{color:var(--deep);text-decoration:none;}
.byline .who span{color:var(--muted);}
.lede{font-size:clamp(19px,2.2vw,22px);line-height:1.55;color:var(--ink);font-family:"Poppins",sans-serif;font-weight:400;margin:1.8rem 0 1.4rem;}
.article .col p{margin:0 0 1.25rem;}
.article .col h2{font-size:clamp(23px,3vw,30px);margin:2.4rem 0 1rem;font-weight:600;}
.article .col h3{font-size:20px;margin:1.8rem 0 .6rem;color:var(--deep);font-weight:600;}
.article .col ul,.article .col ol{margin:0 0 1.25rem;padding-left:0;list-style:none;}
.article .col ul li{position:relative;padding:0 0 .7rem 1.7rem;}
.article .col ul li::before{content:"";position:absolute;left:2px;top:.65em;width:8px;height:8px;background:var(--teal);transform:rotate(45deg);}
.article .col ol{counter-reset:q;}
.article .col ol li{position:relative;padding:0 0 1.3rem 3rem;counter-increment:q;}
.article .col ol li::before{content:counter(q);position:absolute;left:0;top:-2px;width:30px;height:30px;background:var(--deep);color:#fff;border-radius:8px;display:grid;place-items:center;font-family:"Poppins",sans-serif;font-weight:600;font-size:15px;}
.article .col ol li b{font-family:"Poppins",sans-serif;font-weight:600;color:var(--ink);}
.article .col strong{font-weight:600;color:var(--ink);}
.article .col em{font-style:italic;}
blockquote{margin:1.8rem 0;padding:20px 26px;border-left:3px solid var(--teal);background:var(--card);border-radius:0 12px 12px 0;font-family:"Poppins",sans-serif;font-size:19px;line-height:1.5;color:var(--ink);}
.callout{margin:1.8rem 0;padding:20px 24px;background:rgba(61,145,171,.09);border:1px solid rgba(61,145,171,.28);border-radius:14px;}
.callout p{margin:0;font-size:16px;color:var(--ink);}
.callout p b{color:var(--deep);}

/* CTA */
.cta{margin:2.6rem auto 0;max-width:720px;display:flex;gap:22px;align-items:center;background:var(--slate);color:#EAF1F3;border-radius:18px;padding:24px 28px;}
.cta img{width:84px;height:auto;border-radius:4px;box-shadow:0 12px 26px -12px rgba(0,0,0,.6);flex:none;}
.cta .ct{flex:1;}
.cta .ct .k{font-family:"Poppins",sans-serif;font-size:11.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:#8fc4d6;margin-bottom:5px;}
.cta .ct h3{color:#fff;font-size:20px;margin-bottom:4px;}
.cta .ct p{margin:0;font-size:14.5px;color:#bcd4dc;}
.cta a.btn{background:var(--teal);color:#fff;text-decoration:none;font-family:"Poppins",sans-serif;font-weight:600;font-size:14.5px;padding:12px 20px;border-radius:999px;white-space:nowrap;transition:background .2s,transform .2s;flex:none;}
.cta a.btn:hover{background:var(--teal-2);transform:translateY(-1px);}

.disclaimer{max-width:720px;margin:2.2rem auto 0;font-size:13.5px;color:var(--muted);line-height:1.55;border-top:1px solid var(--line-soft);padding-top:1.4rem;}
.related{max-width:720px;margin:2.4rem auto 0;}
.related h3{font-family:"Poppins",sans-serif;font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--deep);margin-bottom:1rem;}
.related a{display:block;text-decoration:none;color:var(--ink);font-family:"Poppins",sans-serif;font-weight:500;font-size:17px;padding:14px 0;border-top:1px solid var(--line-soft);transition:color .2s;}
.related a:hover{color:var(--deep);}
.related a::after{content:" →";color:var(--teal);}

/* footer */
footer{background:var(--slate);color:#cfdbdf;padding:48px 0 36px;margin-top:60px;}
.foot-grid{display:flex;flex-wrap:wrap;gap:24px;justify-content:space-between;align-items:center;}
footer .brand b{color:#fff;}
footer .brand small{color:#a7bcc2;}
footer .monogram{background:#EAF1F3;color:var(--slate);}
.foot-links{display:flex;flex-wrap:wrap;gap:20px;}
.foot-links a{color:#cfdbdf;text-decoration:none;font-size:15px;font-weight:500;}
.foot-links a:hover{color:#fff;}

@media(max-width:720px){
  nav.links{display:none;}
  .cta{flex-direction:column;text-align:center;}
  .cta .ct{text-align:center;}
}