:root{
  --bg:#ffffff; --ink:#16212e; --mut:#5b6877; --line:#e3e8ee; --soft:#f4f7fa;
  --navy:#0f1b2a; --navy2:#16263a; --navyline:#24364d; --acc:#1f8a70; --acc2:#176b57;
  --warn-bg:#fff7e6; --warn-line:#f0d39a; --warn-ink:#6b4a0a;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:"Source Sans 3",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.65;font-size:17.5px}
img{max-width:100%;height:auto;display:block}
a{color:var(--acc2)}
a:hover{color:var(--acc)}
.container{max-width:1120px;margin:0 auto;padding:0 20px}
.container--text{max-width:800px;margin:0 auto}
h1,h2,h3,h4{line-height:1.22;margin:0 0 .55em;font-family:"IBM Plex Sans",system-ui,sans-serif;font-weight:600;color:var(--ink)}
h1{font-size:2.4rem;letter-spacing:-.01em}
h2{font-size:1.65rem;margin-top:1.6em}
h3{font-size:1.2rem}
p{margin:0 0 1em}

.notice-strip{background:var(--warn-bg);border-bottom:1px solid var(--warn-line);color:var(--warn-ink);font-size:.88rem;padding:7px 0;text-align:center}
.notice-strip a{color:var(--warn-ink);font-weight:600}

.masthead{background:var(--navy);border-bottom:1px solid var(--navyline)}
.masthead-row{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:18px;flex-wrap:wrap;padding:8px 20px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-family:"IBM Plex Sans",sans-serif;font-weight:600;font-size:1.2rem;letter-spacing:.01em}
.logo img{width:34px;height:34px}
.logo span b{color:#6fd3b5;font-weight:600}
.menu{display:flex;gap:20px;flex-wrap:wrap}
.menu a{color:#c4cfdb;text-decoration:none;font-size:.97rem;font-weight:600}
.menu a:hover,.menu a[aria-current=page]{color:#fff;border-bottom:2px solid var(--acc)}

.intro{background:var(--navy);color:#dfe7ef;padding:70px 0 64px}
.intro h1{color:#fff;max-width:760px}
.intro p.intro-text{font-size:1.18rem;max-width:720px;color:#c4cfdb}
.overline{display:inline-block;color:#6fd3b5;font-weight:700;letter-spacing:.09em;text-transform:uppercase;font-size:.78rem;margin:0 0 10px}
.intro.intro--compact{padding:46px 0 40px}
.button{display:inline-block;background:var(--acc);color:#fff;font-weight:600;padding:12px 22px;border-radius:6px;text-decoration:none;margin:6px 10px 0 0}
.button:hover{background:var(--acc2);color:#fff}
.button.button--outline{background:transparent;border:1px solid #3b5170;color:#dfe7ef}
.button.button--outline:hover{border-color:#6fd3b5;color:#fff}

.block{padding:58px 0}
.block.block--tinted{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.label{color:var(--acc2);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:.76rem;margin:0 0 6px}
.cols-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.cols-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.tile{background:#fff;border:1px solid var(--line);border-radius:10px;padding:24px;color:var(--ink);text-decoration:none;display:block}
a.tile:hover{border-color:#9fc9bb;box-shadow:0 8px 22px rgba(15,27,42,.07);color:var(--ink)}
.tile h3{margin:0 0 6px}
.tile p{margin:0;color:var(--mut);font-size:.97rem}
.tile .tile-index{font-family:"IBM Plex Mono",monospace;color:var(--acc);font-size:.85rem;font-weight:600;display:block;margin-bottom:8px}
.tile .read-more{display:inline-block;margin-top:12px;color:var(--acc2);font-weight:600;font-size:.94rem}

.article-body h2{font-size:1.45rem}
.article-body ul,.article-body ol{padding-left:1.3em}
.article-body li{margin:.3em 0}
.article-body table{border-collapse:collapse;width:100%;margin:1em 0 1.4em;font-size:.97rem}
.article-body th,.article-body td{border:1px solid var(--line);padding:9px 11px;text-align:left;vertical-align:top}
.article-body th{background:var(--soft)}
.callout{background:var(--soft);border-left:4px solid var(--acc);padding:14px 18px;border-radius:0 8px 8px 0;margin:1.2em 0}
.callout--warn{background:var(--warn-bg);border:1px solid var(--warn-line);color:var(--warn-ink);padding:16px 18px;border-radius:8px;margin:1.4em 0}
.callout--warn strong{color:#4d3404}
.byline{color:var(--mut);font-size:.92rem;margin-bottom:1.4em}
dl.term-list dt{font-weight:700;margin-top:1em;font-family:"IBM Plex Sans",sans-serif}
dl.term-list dd{margin:.2em 0 0;color:#2c3a4a}
.qa details{border:1px solid var(--line);border-radius:8px;padding:12px 16px;margin:10px 0;background:#fff}
.qa summary{cursor:pointer;font-weight:600}
.qa details p{margin:.7em 0 0;color:#2c3a4a}
.breadcrumb{font-size:.88rem;color:#93a3b5;margin-bottom:10px}
.breadcrumb a{color:#93a3b5}
.figure-flow{background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px;margin:1.2em 0}
.figure-flow svg{width:100%;height:auto}

.site-footer{background:var(--navy);color:#9fb0c3;padding:46px 0 26px;font-size:.94rem;margin-top:0}
.footer-cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
.site-footer h4{color:#fff;font-size:1rem;margin:0 0 10px}
.site-footer a{color:#c4cfdb;text-decoration:none;display:block;margin:5px 0}
.site-footer a:hover{color:#fff}
.site-footer .risk-note{border-top:1px solid var(--navyline);margin-top:30px;padding-top:18px;font-size:.86rem;line-height:1.6;color:#8798ab}
.site-footer .legal-line{margin-top:12px;font-size:.84rem;color:#6f8297}

@media (max-width:860px){
  .cols-3,.cols-2,.footer-cols{grid-template-columns:1fr}
  h1{font-size:1.9rem}
  .menu{gap:14px}
  .intro{padding:48px 0 44px}
}