:root{--teal:#2e7d8c;--teal-d:#1f5f6b;--mint:#a8dac8;--sky:#eaf4f7;--sage:#eef6f1;--ink:#24343b;--muted:#5b6d74;--line:#dbe7ea;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.7;font-size:17px;background:#fff}
img{max-width:100%;height:auto;display:block}a{color:var(--teal-d)}a:hover{color:var(--teal)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.25;color:#1c3a42}h1{font-size:clamp(1.9rem,5vw,2.8rem);margin:.2em 0 .4em}h2{font-size:1.55rem;margin-top:1.8em}h3{font-size:1.2rem}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.crisis{background:var(--teal-d);color:#fff;font-size:.88rem;text-align:center;padding:7px 12px}.crisis a{color:#fff;font-weight:700}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:64px}
.logo{font-family:Georgia,serif;font-size:1.35rem;font-weight:700;color:var(--teal-d);text-decoration:none;display:flex;gap:8px;align-items:center}.logo span{color:var(--teal)}
.menu-btn{background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-size:1rem;cursor:pointer;color:var(--ink)}
nav ul{list-style:none;margin:0;padding:0;display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column}
nav ul.open{display:flex}nav li a{display:block;padding:12px 20px;text-decoration:none;color:var(--ink);font-weight:500}nav li a:hover,nav li a[aria-current]{color:var(--teal);background:var(--sky)}
@media(min-width:900px){.menu-btn{display:none}nav ul{display:flex;position:static;flex-direction:row;border:0;gap:2px}nav li a{padding:8px 12px;border-radius:8px;font-size:.95rem}}
.hero{position:relative;color:#fff;background:#1f5f6b}.hero img{width:100%;height:clamp(340px,55vw,520px);object-fit:cover;opacity:.75}
.hero .txt{position:absolute;inset:0;display:flex;align-items:center}.hero .txt>div{max-width:640px;text-shadow:0 2px 12px rgba(0,0,0,.45)}.hero h1{color:#fff}.hero p{font-size:1.1rem}
.btn{display:inline-block;background:var(--teal);color:#fff!important;padding:12px 22px;border-radius:999px;text-decoration:none;font-weight:600;margin:6px 8px 0 0}.btn.alt{background:#fff;color:var(--teal-d)!important}
.page-hero{background:linear-gradient(135deg,var(--sky),var(--sage));padding:36px 0 28px}.page-hero p{color:var(--muted);max-width:720px;margin:0}
.crumbs{font-size:.85rem;color:var(--muted)}.crumbs a{color:var(--muted)}
.layout{display:grid;gap:40px;padding:32px 20px}@media(min-width:980px){.layout{grid-template-columns:minmax(0,1fr) 300px}}
article .feature{border-radius:var(--r);margin:0 0 8px;width:100%;aspect-ratio:16/9;object-fit:cover}figcaption{font-size:.8rem;color:var(--muted);margin-bottom:20px}
.cards{display:grid;gap:22px;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));margin:24px 0}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:0 4px 14px rgba(31,95,107,.06);display:flex;flex-direction:column;transition:transform .2s}.card:hover{transform:translateY(-3px)}
.card img{aspect-ratio:16/9;object-fit:cover;width:100%}.card .b{padding:16px 18px 20px}.card h3{margin:.2em 0}.card p{margin:.3em 0 .8em;color:var(--muted);font-size:.95rem}.card a.more{font-weight:600;text-decoration:none}
.section{padding:48px 0}.section.tint{background:var(--sage)}
.callout{background:var(--sky);border-left:4px solid var(--teal);padding:16px 20px;border-radius:0 var(--r) var(--r) 0;margin:24px 0}
.callout.help{background:#fff6ec;border-color:#e39b4a}
.disclaimer{font-size:.88rem;color:var(--muted);border-top:1px solid var(--line);margin-top:36px;padding-top:14px}
aside .box{background:var(--sage);border-radius:var(--r);padding:18px 20px;margin-bottom:22px}aside h3{margin-top:0}aside ul{padding-left:18px;margin:0}
.ad{background:#f6f9fa;border:1px dashed #cfdde1;border-radius:10px;margin:24px auto;text-align:center;overflow:hidden;position:relative;min-height:100px;display:flex;align-items:center;justify-content:center}
.ad::before{content:"Advertisement";position:absolute;top:4px;left:0;right:0;font-size:.7rem;color:#9aaab0;letter-spacing:.06em;text-transform:uppercase}
.ad ins{display:block;width:100%}.ad-leader{max-width:970px;min-height:100px}@media(min-width:768px){.ad-leader{min-height:90px}}
.ad-sidebar{min-height:250px;display:none}@media(min-width:980px){.ad-sidebar{display:flex;position:sticky;top:90px}}
table{border-collapse:collapse;width:100%;font-size:.95rem;margin:16px 0;display:block;overflow-x:auto}th,td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}th{background:var(--sky)}
form label{display:block;font-weight:600;margin-top:14px}form input,form textarea{width:100%;padding:12px;border:1px solid var(--line);border-radius:10px;font:inherit}form button{margin-top:16px;border:0;cursor:pointer;font-size:1rem}
footer.site{background:#1c3a42;color:#d6e6ea;margin-top:40px;padding:40px 0 20px;font-size:.93rem}footer.site a{color:#fff}footer .cols{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}footer ul{list-style:none;padding:0;margin:0}footer li{margin:6px 0}
footer .fcrisis{background:rgba(255,255,255,.08);border-radius:10px;padding:14px 18px;margin:24px 0}footer small{display:block;color:#a9c0c6;margin-top:16px}