@font-face{font-family:"Source Serif 4";src:url(/fonts/sourceserif4.woff2) format("woff2");font-weight:400 800;font-display:swap}
@font-face{font-family:"IBM Plex Sans";src:url(/fonts/plexsans.woff2) format("woff2");font-weight:300 700;font-display:swap}
:root{--ink:#18222e;--paper:#f7f6f2;--card:#ffffff;--line:#dedbd2;--mute:#56606b;--teal:#2c6b5a;--teal-soft:#e4efe9;--amber:#a5640f;--amber-soft:#f8eedc;--red:#a23a2c}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.65 "IBM Plex Sans",system-ui,sans-serif;overflow-x:hidden}
img,svg{max-width:100%;display:block}
a{color:var(--teal)}
a:hover{color:var(--ink)}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.narrow{max-width:740px}
h1,h2,h3{font-family:"Source Serif 4",Georgia,serif;font-weight:650;line-height:1.15;margin:0 0 .55em;letter-spacing:-.01em}
h1{font-size:clamp(36px,5.4vw,60px)}
h2{font-size:clamp(27px,3.4vw,38px)}
h3{font-size:22px}
p{margin:0 0 1em}
.muted{color:var(--mute)}
.eyebrow{display:block;font-size:13px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}
.risk-bar{background:var(--amber-soft);border-bottom:1px solid #e9d6b3;color:#5c3a08;font-size:14px;padding:9px 0}
.risk-bar b{margin-right:6px}

.top{background:var(--card);border-bottom:1px solid var(--line)}
.top-in{display:flex;align-items:center;justify-content:space-between;gap:10px 24px;flex-wrap:wrap;padding-top:16px;padding-bottom:16px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:"Source Serif 4",serif;font-weight:700;font-size:25px;letter-spacing:-.01em}
.logo svg{width:32px;height:32px}
.nav{display:flex;gap:6px 22px;flex-wrap:wrap}
.nav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:15px;padding:4px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current]{border-color:var(--teal)}
.hero{padding:64px 0 72px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.lead{font-size:20px;color:var(--mute);max-width:34em}
.btn{display:inline-block;background:var(--ink);color:#fff;text-decoration:none;font-weight:600;padding:13px 24px;border-radius:6px;border:1.5px solid var(--ink)}
.btn:hover{background:var(--teal);border-color:var(--teal);color:#fff}
.btn.ghost{background:transparent;color:var(--ink)}
.btn.ghost:hover{background:var(--ink);color:#fff}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.panel{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:24px}
.sec{padding:72px 0;border-bottom:1px solid var(--line)}
.sec.alt{background:var(--card)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:24px;display:flex;flex-direction:column}
.sec.alt .card{background:var(--paper)}
.card h3{margin-top:12px}
.card p{color:var(--mute);font-size:16px}
.card .more{margin-top:auto;font-weight:600;text-decoration:none}
.ico{width:44px;height:44px;border-radius:8px;background:var(--teal-soft);display:grid;place-items:center}
.ico svg{width:24px;height:24px}
.steps{counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;position:relative;padding:0 0 22px 52px}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;font-weight:600;display:grid;place-items:center;font-size:15px}
.steps b{display:block}
.warn{background:var(--amber-soft);border:1px solid #e9d6b3;border-left:4px solid var(--amber);border-radius:8px;padding:18px 20px;margin:0 0 1.5em}
.warn p:last-child{margin:0}
.info{background:var(--teal-soft);border-left:4px solid var(--teal);border-radius:8px;padding:18px 20px;margin:0 0 1.5em}
.info p:last-child{margin:0}
.page-head{padding:56px 0 40px;border-bottom:1px solid var(--line);background:var(--card)}
.crumb{font-size:14px;color:var(--mute);margin-bottom:14px}
.crumb a{color:var(--mute)}
.prose{padding:48px 0 72px}
.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.3em}
.prose ul,.prose ol{padding-left:22px;margin:0 0 1.2em}
.prose li{margin-bottom:.45em}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:56px;align-items:start}
.side{position:sticky;top:20px}
.side h4{font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--mute);margin:0 0 12px}
.side ul{list-style:none;padding:0;margin:0 0 24px}
.side li{border-top:1px solid var(--line)}
.side a{display:block;padding:10px 0;text-decoration:none;color:var(--ink);font-size:15px}
.side a[aria-current]{color:var(--teal);font-weight:600}
figure{margin:0 0 1.6em}
figcaption{font-size:14px;color:var(--mute);margin-top:8px}
table{border-collapse:collapse;width:100%;font-size:15px;background:var(--card)}
th,td{border-bottom:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--paper);font-weight:600}
.tbl{overflow-x:auto;max-width:100%;border:1px solid var(--line);border-radius:8px;margin:0 0 1.5em}
dl.gloss{margin:0}
dl.gloss dt{font-family:"Source Serif 4",serif;font-weight:650;font-size:20px;margin-top:22px}
dl.gloss dd{margin:4px 0 0;color:var(--mute);padding-bottom:16px;border-bottom:1px solid var(--line)}
.letters{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:12px}
.letters a{display:inline-block;min-width:34px;text-align:center;padding:4px 8px;border:1px solid var(--line);border-radius:6px;background:var(--card);text-decoration:none;color:var(--ink);font-weight:600}
details{border-top:1px solid var(--line);padding:18px 0}
details:last-of-type{border-bottom:1px solid var(--line)}
summary{cursor:pointer;font-weight:600;font-size:18px;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";color:var(--teal);font-size:22px;line-height:1}
details[open] summary:after{content:"−"}
details p{margin:12px 0 0;color:var(--mute)}
.foot{background:var(--ink);color:#d6dbe1;padding:52px 0 28px;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:32px}
.foot .logo{color:#fff}
.foot a{color:#d6dbe1;text-decoration:none}
.foot a:hover{color:#fff}
.foot ul{list-style:none;padding:0;margin:0}
.foot li{margin:0 0 8px}
.foot h4{font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:#8d99a6;margin:0 0 14px}
.foot .disc{border-top:1px solid #2f3c4a;margin-top:36px;padding-top:20px;font-size:13.5px;color:#a9b3bd;line-height:1.6}
.foot .disc p{max-width:none}
@media (max-width:920px){
  .hero-grid,.grid2,.layout{grid-template-columns:1fr;gap:32px}
  .grid3{grid-template-columns:1fr}
  .side{position:static}
  .foot-grid{grid-template-columns:1fr 1fr}
  .foot-grid>div:first-child{grid-column:1/-1}
}
@media (max-width:520px){
  body{font-size:16px}
  .wrap{padding:0 16px}
  .hero{padding:40px 0 48px}
  .sec{padding:52px 0}
  .lead{font-size:18px}
  .nav{gap:4px 16px}
  .nav a{font-size:14.5px}
  .risk-bar{font-size:13px}
  th,td{padding:8px}
}