:root{--navy: #1B3A6B;--navy-dark: #122849;--white: #FFFFFF;--green: #2E8B57;--gray-light: #F4F7F9;--gray-border: #D1D9E0;--text-main: #333333;--text-muted: #666666;--max-width: 1100px}*{box-sizing:border-box;margin:0;padding:0}body{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica,Arial,sans-serif,"Apple Color Emoji","Segoe UI Emoji",Segoe UI Symbol;line-height:1.6;color:var(--text-main);background-color:var(--white)}a{color:var(--navy);text-decoration:none}a:hover{text-decoration:underline}h1,h2,h3,h4{color:var(--navy);line-height:1.2;margin-bottom:1rem}p{margin-bottom:1.25rem}.container{max-width:var(--max-width);margin:0 auto;padding:0 1.5rem}header{background:var(--white);border-bottom:3px solid var(--navy);padding:1.5rem 0;position:sticky;top:0;z-index:100}nav{display:flex;justify-content:space-between;align-items:center}.logo{font-size:1.5rem;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:-1px;text-decoration:none}.logo:hover{text-decoration:none}.logo span{color:var(--green)}.nav-links{list-style:none;display:flex;gap:1.5rem}.nav-links a{font-weight:600;color:var(--navy);font-size:.95rem}.disclosure-banner{background:var(--gray-light);border:1px solid var(--gray-border);padding:1rem;font-size:.85rem;margin-bottom:2rem;color:var(--text-muted);border-left:4px solid var(--green)}.hero{background:var(--navy);color:var(--white);padding:4rem 0;text-align:center}.hero h1{color:var(--white);font-size:2.5rem;margin-bottom:1.5rem}.hero p{font-size:1.2rem;max-width:800px;margin:0 auto 2rem;opacity:.9}.btn{display:inline-block;background:var(--green);color:var(--white);padding:.75rem 2rem;border-radius:4px;font-weight:700;font-size:1.1rem;transition:background .2s;border:none;cursor:pointer}.btn:hover{background:#246e45;text-decoration:none;color:var(--white)}.section{padding:4rem 0}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:2rem}.card{background:var(--white);border:1px solid var(--gray-border);padding:2rem;border-radius:8px;transition:transform .2s,box-shadow .2s}.card:hover{transform:translateY(-5px);box-shadow:0 10px 20px #0000000d}.card h3{font-size:1.3rem;margin-bottom:1rem}.article-header{padding:3rem 0;background:var(--gray-light);border-bottom:1px solid var(--gray-border);margin-bottom:3rem}.byline{font-style:italic;color:var(--text-muted);margin-bottom:1rem}article{max-width:800px;margin:0 auto;font-size:1.1rem}article h2{margin-top:2.5rem}article ul,article ol{margin-bottom:1.5rem;padding-left:1.5rem}article li{margin-bottom:.5rem}footer{background:var(--navy-dark);color:var(--white);padding:4rem 0 2rem;margin-top:4rem}.footer-content{display:grid;grid-template-columns:2fr 1fr;gap:4rem;margin-bottom:3rem}.footer-disclaimer{font-size:.85rem;opacity:.7;margin-bottom:2rem}.footer-links{list-style:none}.footer-links li{margin-bottom:.5rem}.footer-links a{color:var(--white);opacity:.8}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:2rem;text-align:center;font-size:.9rem;opacity:.6}@media(max-width:768px){.nav-links{display:none}.hero h1{font-size:2rem}.grid{grid-template-columns:1fr}.footer-content{grid-template-columns:1fr;gap:2rem}}