:root{--bg:#f7f5f0;--ink:#1b2330;--muted:#5a6475;--brand:#16324f;--accent:#b8862b;--line:#e2ddd2;--card:#ffffff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.notice{background:var(--brand);color:#fff;font-size:14px;text-align:center;padding:8px 16px}
.notice a{color:#f1d9a6}
.site-header{background:#fff;border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:14px;padding-bottom:14px}
.brand{font-weight:700;color:var(--brand);text-decoration:none;font-size:1.1rem}
.brand span{color:var(--accent)}
nav a{margin-left:18px;color:var(--ink);text-decoration:none;font-weight:500}
nav a:hover,nav a[aria-current]{color:var(--accent)}
.hero{padding:64px 0 40px}
.hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2rem,5vw,3rem);line-height:1.15;margin:0 0 16px;color:var(--brand)}
.hero p{max-width:640px;font-size:1.15rem;color:var(--muted)}
.btn{display:inline-block;background:var(--brand);color:#fff;padding:12px 22px;border-radius:6px;text-decoration:none;font-weight:600;margin:6px 8px 6px 0}
.btn.alt{background:transparent;color:var(--brand);border:1px solid var(--brand)}
section{padding:32px 0}
h2{font-family:Georgia,"Times New Roman",serif;color:var(--brand);margin-top:0}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:22px}
.card h3{margin-top:0;color:var(--brand)}
.callout{background:#fff8e8;border-left:4px solid var(--accent);padding:16px 20px;border-radius:6px}
ul.clean{padding-left:20px}
ul.clean li{margin:6px 0}
.legal{max-width:760px}
.legal h1{font-family:Georgia,"Times New Roman",serif;color:var(--brand)}
.legal h2{font-size:1.2rem;margin-top:2rem}
.meta{color:var(--muted);font-size:14px}
.ph{background:#fff3b0;padding:0 4px;border-radius:3px}
footer{background:var(--brand);color:#dfe5ee;padding:32px 0;margin-top:48px;font-size:15px}
footer a{color:#fff}
.cols{display:flex;gap:40px;flex-wrap:wrap;justify-content:space-between}
.risk{border-top:1px solid #34506e;margin-top:20px;padding-top:16px;font-size:14px;color:#c4cddb}
@media (max-width:600px){nav a{margin:0 14px 0 0}.hero{padding-top:40px}}

.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero-img{width:100%;height:440px;object-fit:cover;object-position:center 35%;border-radius:12px;display:block}
.figure-side{float:right;width:min(280px,45%);margin:0 0 16px 24px}
.figure-side img{width:100%;height:auto;border-radius:10px;display:block}
.credit{font-size:12px;color:var(--muted)}
@media (max-width:760px){.hero-grid{grid-template-columns:1fr}.hero-img{height:300px}.figure-side{float:none;width:100%;margin:0 0 16px}}