:root{
    --navy:#101d33; --navy-2:#182a47; --navy-soft:#43526b;
    --paper:#f7f5f0; --card:#ffffff;
    --gold:#c9a227; --gold-dark:#a8861c; --gold-tint:#f6efdc;
    --sky:#3d7ab8; --line:#e5e1d6;
    --radius:14px; --shadow:0 2px 10px rgba(16,29,51,.08);
  }
  *{margin:0;padding:0;box-sizing:border-box;}
  body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
    background:var(--paper);color:var(--navy);line-height:1.65;-webkit-font-smoothing:antialiased;}
  a{color:var(--gold-dark);}
  .serif{font-family:Georgia,'Times New Roman',serif;}
  .wrap{max-width:1100px;margin:0 auto;padding:0 clamp(24px,5vw,48px);}
  header{position:sticky;top:0;z-index:50;background:rgba(16,29,51,.97);backdrop-filter:blur(8px);}
  .nav{display:flex;align-items:center;justify-content:space-between;padding-top:16px;padding-bottom:16px;}
  .logo{font-family:Georgia,'Times New Roman',serif;font-size:23px;font-weight:700;letter-spacing:-.01em;color:#fff;text-decoration:none;}
  .logo .gold{color:var(--gold);}
  nav.links{display:flex;gap:26px;align-items:center;}
  nav.links a{font-size:14.5px;font-weight:600;color:#cfd6e2;text-decoration:none;letter-spacing:.01em;}
  nav.links a:hover{color:var(--gold);}
  .btn{display:inline-block;border-radius:999px;font-weight:700;text-decoration:none;transition:all .12s ease;border:none;cursor:pointer;}
  .btn-gold{background:var(--gold);color:var(--navy);padding:10px 22px;font-size:14.5px;box-shadow:0 4px 14px rgba(201,162,39,.35);}
  .btn-gold:hover{background:#dbb43a;}
  .article-grid{display:grid;grid-template-columns:1fr 320px;gap:48px;padding-top:52px;padding-bottom:80px;align-items:start;}
  .article-grid.single{grid-template-columns:minmax(0,760px);justify-content:center;}
  .crumbs{font-size:13px;font-weight:600;color:var(--navy-soft);margin-bottom:18px;}
  .crumbs a{color:var(--navy-soft);}
  .cat-pill{display:inline-block;background:var(--gold-tint);color:var(--gold-dark);font-size:12px;font-weight:800;
    letter-spacing:.06em;text-transform:uppercase;padding:5px 13px;border-radius:999px;margin-bottom:16px;border:1px solid var(--gold);}
  h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(30px,4vw,44px);line-height:1.12;letter-spacing:-.01em;font-weight:700;margin-bottom:16px;}
  .byline{font-size:14px;color:var(--navy-soft);margin-bottom:8px;}
  .byline b{color:var(--navy);}
  .checked{display:inline-flex;align-items:center;gap:8px;background:var(--gold-tint);color:var(--gold-dark);
    font-size:13px;font-weight:700;padding:7px 14px;border-radius:999px;margin:10px 0 28px;border:1px solid var(--gold);}
  .checked::before{content:"\2713";font-weight:800;}
  article h2{font-family:Georgia,'Times New Roman',serif;font-size:27px;font-weight:700;margin:40px 0 14px;}
  article h3{font-size:19px;font-weight:800;margin:28px 0 10px;}
  article p{font-size:16.5px;margin-bottom:18px;color:#2b3850;}
  article ul,article ol{margin:0 0 18px 22px;}
  article li{font-size:16.5px;margin-bottom:9px;color:#2b3850;}
  .offer-table{width:100%;border-collapse:collapse;margin:10px 0 26px;background:var(--card);
    border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);font-size:15px;}
  .offer-table th{background:var(--navy);color:var(--gold);text-align:left;padding:12px 16px;font-size:13px;letter-spacing:.05em;text-transform:uppercase;}
  .offer-table td{padding:12px 16px;border-bottom:1px solid var(--line);}
  .offer-table tr:last-child td{border-bottom:none;}
  .offer-table td.hot{color:var(--gold-dark);font-weight:800;}
  .callout{background:var(--gold-tint);border-left:5px solid var(--gold);border-radius:0 var(--radius) var(--radius) 0;
    padding:18px 22px;margin:0 0 22px;font-size:15.5px;}
  .callout b{color:var(--gold-dark);}
  .cta-box{background:linear-gradient(135deg,var(--navy),var(--navy-2));border-radius:var(--radius);
    padding:28px 30px;color:#fff;margin:34px 0;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;}
  .cta-box h3{margin:0 0 6px;font-size:20px;color:var(--gold);font-family:Georgia,serif;}
  .cta-box p{margin:0;font-size:14.5px;color:#cfd6e2;}
  .cta-box .btn-gold{padding:14px 28px;font-size:15.5px;white-space:nowrap;}
  aside .box{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
    box-shadow:var(--shadow);padding:24px;margin-bottom:20px;}
  aside h3{font-family:Georgia,serif;font-size:18px;font-weight:700;margin-bottom:4px;}
  aside .sub{font-size:13px;color:var(--navy-soft);font-weight:600;margin-bottom:14px;}
  .facts{list-style:none;margin-bottom:18px;}
  .facts li{display:flex;justify-content:space-between;gap:10px;font-size:14px;padding:8px 0;border-bottom:1px dashed var(--line);}
  .facts li span{color:var(--navy-soft);}
  .facts li b{font-weight:700;text-align:right;}
  aside .btn-gold{display:block;text-align:center;padding:13px 0;font-size:15px;}
  aside .fine{font-size:12px;color:var(--navy-soft);margin-top:10px;text-align:center;}
  .toc{font-size:14.5px;}
  .toc h3{margin-bottom:10px;}
  .toc a{display:block;padding:6px 0;color:var(--navy-soft);text-decoration:none;font-weight:600;border-bottom:1px dashed var(--line);}
  .toc a:hover{color:var(--gold-dark);}
  footer{background:var(--navy);padding:40px 0;color:#cfd6e2;}
  footer .logo{margin-bottom:14px;display:inline-block;}
  .disclosure{font-size:12.5px;color:#8b96a9;max-width:760px;line-height:1.55;}
  .share-bar{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin:36px 0 8px;padding-top:24px;border-top:1px solid var(--line);}
  .share-bar span{font-size:13.5px;font-weight:700;color:var(--navy-soft);margin-right:2px;}
  .share-bar a,.share-bar button{display:inline-flex;align-items:center;gap:6px;font-size:13.5px;font-weight:700;
    padding:8px 14px;border-radius:999px;border:1px solid var(--line);background:var(--card);color:var(--navy);
    text-decoration:none;cursor:pointer;font-family:inherit;transition:all .12s ease;}
  .share-bar a:hover,.share-bar button:hover{border-color:var(--gold);color:var(--gold-dark);background:var(--gold-tint);}
  @media (max-width:900px){
    .article-grid{grid-template-columns:1fr;}
    nav.links{display:none;}
    aside{order:-1;}
    aside .toc{display:none;}
  }