:root {
  color-scheme: light;
  --ink: #171a21;
  --muted: #656970;
  --paper: #fbfbfa;
  --surface: #ffffff;
  --surface-alt: #f4f4f1;
  --rule: #e4e4e1;
  --accent: #1b3a57;
  --accent-soft: #e9f0f5;
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); }
a { color: inherit; }
.shell { width: min(920px, calc(100% - 40px)); margin: 0 auto; }
.topbar { min-height: 80px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 750; text-decoration: none; }
.brand-mark { width: 32px; height: 32px; display: grid; place-items: center; border-radius: 10px; color: white; background: var(--accent); font-size: 15px; font-weight: 800; }
.nav { display: flex; align-items: center; gap: 20px; }
.nav a { color: var(--muted); font-size: 14px; font-weight: 650; text-decoration: none; }
.nav a:hover { color: var(--ink); }
.hero { max-width: 750px; padding: 64px 0 54px; }
.eyebrow { margin: 0 0 14px; color: var(--accent); font-size: 12px; font-weight: 800; letter-spacing: .14em; }
h1 { margin: 0; font-size: clamp(40px, 7vw, 62px); line-height: 1.02; letter-spacing: -.045em; }
.lede { max-width: 700px; margin: 20px 0 0; color: var(--muted); font-size: 18px; line-height: 1.65; }
.effective { margin: 18px 0 0; font-size: 13px; font-weight: 700; }
.summary { margin: 0 0 24px; padding: 24px 28px; border: 1px solid #cddbe5; border-radius: 20px; background: var(--accent-soft); }
.summary h2 { color: var(--accent); }
.summary li { color: #445765; }
.card { overflow: hidden; border: 1px solid var(--rule); border-radius: 24px; background: var(--surface); box-shadow: 0 24px 70px rgba(23, 26, 33, .07); }
.section { display: grid; grid-template-columns: 32px minmax(0, 1fr); gap: 18px; padding: 34px; border-bottom: 1px solid var(--rule); }
.section:last-child { border-bottom: 0; }
.number { width: 30px; height: 30px; display: grid; place-items: center; border-radius: 50%; color: var(--muted); background: var(--surface-alt); font-size: 12px; font-weight: 750; }
h2 { margin: 0 0 14px; font-size: 20px; line-height: 1.35; }
p, li { color: var(--muted); font-size: 15px; line-height: 1.65; }
p { margin: 0 0 13px; }
p:last-child { margin-bottom: 0; }
ul { margin: 0; padding-left: 20px; }
li + li { margin-top: 8px; }
.inline-link { color: var(--accent); font-weight: 700; }
.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 28px; }
.tile { padding: 24px; border: 1px solid var(--rule); border-radius: 18px; background: var(--surface); text-decoration: none; transition: transform .15s ease, border-color .15s ease; }
.tile:hover { border-color: #bac9d4; transform: translateY(-1px); }
.tile h2 { margin-bottom: 8px; }
.tile p { font-size: 14px; }
.footer { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; padding: 28px 0 54px; color: var(--muted); font-size: 12px; }

@media (max-width: 680px) {
  .shell { width: min(100% - 28px, 920px); }
  .topbar { align-items: flex-start; flex-direction: column; padding: 20px 0; }
  .nav { width: 100%; justify-content: space-between; gap: 10px; }
  .hero { padding: 42px 0 36px; }
  .section { grid-template-columns: 1fr; gap: 12px; padding: 24px 20px; }
  .grid { grid-template-columns: 1fr; }
  .number { width: 26px; height: 26px; }
}