:root{color-scheme:light;--ink:#20213b;--muted:#575b70;--accent:#4648ce;--line:#dfe2ef}
*{box-sizing:border-box}body{margin:0;font:17px/1.7 system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:#f6f7fc}
a{color:var(--accent);text-underline-offset:4px}a:focus-visible{outline:3px solid #a95100;outline-offset:5px}
.wrap{max-width:1080px;margin:auto;padding:0 24px}header{background:white;border-bottom:1px solid var(--line)}
header .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:20px;padding-bottom:20px}
.brand{font-size:23px;font-weight:750;text-decoration:none;color:var(--ink)}nav{display:flex;gap:20px;flex-wrap:wrap}
main{padding-top:36px;padding-bottom:60px}.notice{padding:18px 22px;border:1px solid #d8b86b;border-radius:12px;background:#fff8e9;color:#5d4719}
.hero{padding:48px 0 34px}.eyebrow{font-size:13px;font-weight:750;text-transform:uppercase;letter-spacing:.12em;color:var(--accent)}
h1{font-size:clamp(32px,5vw,56px);line-height:1.13;letter-spacing:-.035em;max-width:900px;margin:12px 0 24px}
h2{font-size:25px;line-height:1.3;margin:0 0 14px}h3{font-size:19px;margin:0 0 10px}
p{margin:0 0 16px}.lead{font-size:21px;max-width:800px;color:var(--muted)}
.button{display:inline-block;padding:12px 22px;border-radius:8px;background:var(--accent);color:#fff;text-decoration:none;font-weight:650;margin:10px 0}
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:24px 0}
.card,.panel{background:white;border:1px solid var(--line);border-radius:14px;padding:26px}.panel{margin-top:24px}
.card p{color:var(--muted)}.risk{border-left:5px solid #a95100}li{margin:8px 0}.meta{color:var(--muted);font-size:14px}
footer{padding:30px 0;background:#fff;border-top:1px solid var(--line)}footer nav{margin-bottom:18px}
@media(max-width:650px){.grid{grid-template-columns:1fr}header .wrap{align-items:flex-start;flex-direction:column;gap:12px}.hero{padding-top:30px}.wrap{padding-left:18px;padding-right:18px}.panel,.card{padding:22px}}