:root{
  --ink:#17150f;--muted:#6c665a;--gold:#b78a2e;--gold2:#e5c76f;
  --cream:#fbf7ec;--paper:#fff;--line:#e7dfcf;--dark:#17150f;--soft:#f5efe1;
  --max:1180px;--article:790px
}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Georgia,"Times New Roman",serif;color:var(--ink);background:var(--paper);line-height:1.72}
a{color:#775511;text-decoration-thickness:1px;text-underline-offset:3px}
.topbar{background:#0f0e0b;color:#e8dfca;text-align:center;padding:7px 16px;font:12px/1.4 Arial,sans-serif}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.navwrap{max-width:var(--max);margin:auto;padding:13px 20px;display:flex;align-items:center;gap:22px}
.logo{font-weight:700;font-size:24px;color:var(--ink);text-decoration:none;white-space:nowrap}.logo b{color:var(--gold)}
.mainnav{display:flex;gap:17px;margin-left:auto;align-items:center;font:600 14px Arial,sans-serif}
.mainnav a{color:var(--ink);text-decoration:none}.header-cta{background:var(--gold2);padding:10px 14px;border-radius:4px!important;font-weight:800!important}
.wrap{max-width:var(--max);margin:auto;padding-left:22px;padding-right:22px}
.hero{background:linear-gradient(135deg,#15130e,#302815);color:#fff;padding:76px 0}
.hero-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:48px;align-items:center}
.eyebrow,.kicker{font:700 12px Arial,sans-serif;text-transform:uppercase;letter-spacing:.13em;color:#8a6519}
.hero .eyebrow{color:var(--gold2)}
h1{font-size:clamp(38px,5vw,68px);line-height:1.03;letter-spacing:-.025em;margin:.25em 0}
h2{font-size:30px;line-height:1.2;margin:1.65em 0 .55em}h3{font-size:21px;line-height:1.3;margin:1.35em 0 .35em}
.hero p{font-size:19px;max-width:760px;color:#e7dfcf}
.btn{display:inline-block;background:var(--gold2);color:#17150f!important;text-decoration:none;font:800 14px Arial,sans-serif;padding:13px 17px;border-radius:4px;margin:7px 8px 7px 0}
.btn.dark{background:#17150f;color:#fff!important}.btn.outline{background:transparent;color:#fff!important;border:1px solid #83744f}
.section{padding:55px 0}.alt{background:var(--cream)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:19px}
.card{display:block;border:1px solid var(--line);background:#fff;padding:23px;border-radius:6px;color:inherit;text-decoration:none;box-shadow:0 2px 10px rgba(40,30,10,.03)}
.card:hover{border-color:#d2bb83}.card h3{margin-top:.35em}.card p{color:#514c42}
.layout{max-width:var(--max);margin:auto;padding:44px 22px;display:grid;grid-template-columns:minmax(0,var(--article)) 300px;gap:52px;align-items:start}
.article h1{font-size:46px;line-height:1.08}.article > p:first-of-type{font-size:18px}
.meta,.source-note,.disclosure,.risk,.small{font-family:Arial,sans-serif;font-size:13px;color:var(--muted)}
.breadcrumb{font:13px Arial,sans-serif;color:var(--muted);margin:0 0 22px}
.disclosure{background:#fbf7ea;border-left:4px solid var(--gold);padding:13px 15px;margin:18px 0}
.risk{background:#f7f5f0;border:1px solid var(--line);padding:14px 16px;margin:22px 0}
.toc{border:1px solid var(--line);background:#fcfaf4;padding:16px 20px;margin:24px 0}.toc strong{font-family:Arial,sans-serif}.toc a{display:block;margin:4px 0}
table{border-collapse:collapse;width:100%;margin:24px 0;font:14px/1.5 Arial,sans-serif}th,td{border:1px solid var(--line);padding:11px;text-align:left;vertical-align:top}th{background:var(--soft)}
.sidebox{border:1px solid var(--line);padding:20px;border-radius:6px;background:#fff;margin-bottom:18px}
.sidebox.sticky{position:sticky;top:91px}.sidebox h3{margin:.2em 0 .5em}.sidebox p{font-size:14px}.sidebox .btn{width:100%;text-align:center;margin:8px 0}
.cta{background:#1a1811;color:#fff;padding:26px;border-radius:7px;margin:36px 0}.cta h2{margin:.15em 0 .4em}.cta p{color:#e4dccb}.cta small{color:#c8bfab;font:12px Arial,sans-serif}
.sources{border-top:1px solid var(--line);margin-top:42px;padding-top:18px}.sources li{margin:.45em 0;font-size:14px}
.hub-title{background:var(--cream);padding:48px 0;border-bottom:1px solid var(--line)}
.hub-title h1{font-size:52px}.hub-title p{max-width:780px;font-size:18px}
.notice{background:#fff8e8;border:1px solid #e5d19b;padding:15px 17px;border-radius:5px}
footer{background:#15130e;color:#cfc6b3;margin-top:45px;padding:42px 0;font:13px Arial,sans-serif}
footer a{color:#e7cd7f}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
.mobile-cta{display:none;position:fixed;left:12px;right:12px;bottom:10px;background:var(--gold2);color:#17150f!important;text-align:center;padding:13px;border-radius:6px;text-decoration:none;font:800 14px Arial,sans-serif;z-index:30;box-shadow:0 4px 18px #0005}
@media(max-width:920px){.mainnav a:not(.header-cta){display:none}.layout{grid-template-columns:1fr}.sidebox.sticky{position:static}.hero-grid,.cards,.footgrid{grid-template-columns:1fr}.article h1{font-size:39px}.mobile-cta{display:block}footer{padding-bottom:78px}}
@media(max-width:560px){.topbar{display:none}.navwrap{padding:11px 15px}.logo{font-size:20px}.header-cta{font-size:12px!important;padding:9px 10px!important}.hero{padding:48px 0}.hub-title h1{font-size:40px}}