:root { color-scheme: light; --ink: #14324f; --ink-soft: #4c6178; --border: rgba(20,50,79,.12); --accent: #13508f; }
    * { box-sizing: border-box; }
    body { margin: 0; font-family: Georgia, "Times New Roman", serif; color: var(--ink); background: linear-gradient(180deg,#eef4fa 0%,#f9fbfd 100%); }
    main { max-width: 52rem; margin: 0 auto; padding: 3rem 1.25rem 4rem; }
    .card { background: #fff; border: 1px solid var(--border); border-radius: 1.25rem; padding: 2rem; box-shadow: 0 18px 48px rgba(20,50,79,.08); }
    h1 { font-size: clamp(1.7rem,4.5vw,2.3rem); line-height: 1.15; margin: 0 0 1rem; text-wrap: balance; }
    h2 { font-size: 1.25rem; margin: 2rem 0 1rem; }
    p, li { color: var(--ink-soft); line-height: 1.7; }
    a { color: var(--accent); }
    table { width: 100%; border-collapse: collapse; margin: 1rem 0; font-size: .95rem; }
    th, td { text-align: left; padding: .6rem .75rem; border-bottom: 1px solid var(--border); color: var(--ink-soft); }
    th { color: var(--ink); font-family: system-ui, sans-serif; font-size: .85rem; }
    td.num, th.num { text-align: right; font-variant-numeric: tabular-nums; }
    .eyebrow { display: inline-block; margin-bottom: .75rem; padding: .4rem .7rem; border-radius: 999px; background: #e8f1fb; color: var(--accent); font: 600 .8rem/1 system-ui, sans-serif; letter-spacing: .04em; text-transform: uppercase; }
    .meta { margin-bottom: 1.5rem; color: var(--ink-soft); font: 500 .95rem/1.5 system-ui, sans-serif; }
    .cta { display: inline-block; margin-top: 1.5rem; padding: .8rem 1.4rem; background: #13508f; color: #fff; border-radius: .75rem; text-decoration: none; font: 600 1rem/1 system-ui, sans-serif; }
    .note { background: #fff7ec; border: 1px solid #f5deb8; border-radius: .75rem; padding: 1rem; font-size: .9rem; }
    nav.crumbs { font: 500 .9rem/1.5 system-ui, sans-serif; margin-bottom: 1rem; }
    .cols { columns: 3 12rem; column-gap: 1.5rem; padding-left: 1.25rem; margin: 1rem 0; }
    .cols li { break-inside: avoid; margin-bottom: .35rem; }
    .scroll { overflow-x: auto; }
    dl.facts { display: grid; grid-template-columns: minmax(9rem,auto) 1fr; gap: .5rem 1.25rem; margin: 1rem 0; font: .95rem/1.6 system-ui, sans-serif; }
    dl.facts dt { color: var(--ink); font-weight: 600; }
    dl.facts dd { margin: 0; color: var(--ink-soft); }
    .trust { border: 1px solid var(--border); border-radius: .75rem; padding: 1rem 1.25rem; margin: 2rem 0 0; background: #f7fafd; font-size: .9rem; }
    .trust h2 { margin-top: 0; font-size: 1.05rem; }