:root {
  --navy: #10263f;
  --navy-2: #1b3a5c;
  --accent: #b8860b;
  --ink: #24313f;
  --muted: #5b6b7b;
  --line: #dde4ea;
  --bg: #f7f9fb;
  --card: #ffffff;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
body {
  font-family: Georgia, 'Times New Roman', serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 16.5px;
}
a { color: var(--navy-2); }
.wrap { max-width: 980px; margin: 0 auto; padding: 0 22px; }
header.site {
  background: var(--navy);
  color: #fff;
  padding: 26px 0 0;
}
.brand { display: flex; align-items: baseline; gap: 14px; flex-wrap: wrap; }
.brand h1 { font-size: 1.55rem; letter-spacing: .4px; font-weight: 600; }
.brand .tag { color: #cdd9e5; font-size: .95rem; font-style: italic; }
.regline { color: #9fb3c8; font-size: .85rem; margin-top: 6px; }
nav.site { margin-top: 18px; border-top: 1px solid rgba(255,255,255,.15); }
nav.site ul { list-style: none; display: flex; flex-wrap: wrap; }
nav.site a {
  display: block; padding: 11px 16px 11px 0; margin-right: 14px;
  color: #d9e2ec; text-decoration: none; font-size: .92rem;
  font-family: 'Helvetica Neue', Arial, sans-serif;
}
nav.site a:hover, nav.site a.on { color: #fff; text-decoration: underline; text-underline-offset: 5px; }
main { padding: 38px 0 30px; }
h2 { color: var(--navy); font-size: 1.35rem; margin: 0 0 16px; font-weight: 600; }
h3 { color: var(--navy-2); font-size: 1.08rem; margin: 26px 0 10px; font-weight: 600; }
p { margin: 0 0 12px; }
ul.plain, ol.plain { margin: 0 0 14px 22px; }
ul.plain li, ol.plain li { margin-bottom: 7px; }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: 6px;
  padding: 24px 26px; margin-bottom: 24px;
}
table { width: 100%; border-collapse: collapse; margin: 12px 0 18px; font-size: .93rem; background: #fff; }
th, td { border: 1px solid var(--line); padding: 8px 10px; text-align: left; vertical-align: top; }
th { background: #eef2f6; color: var(--navy); font-family: 'Helvetica Neue', Arial, sans-serif; font-size: .85rem; }
.kv td:first-child { width: 38%; background: #fafbfc; color: var(--muted); }
.note { font-size: .88rem; color: var(--muted); }
.disclaimer-band {
  background: #fdf6e7; border: 1px solid #ecd9a8; border-radius: 6px;
  padding: 16px 20px; margin: 0 0 24px; font-size: .93rem;
}
footer.site {
  background: var(--navy); color: #b9c8d8; font-size: .84rem;
  padding: 26px 0 34px; margin-top: 20px;
}
footer.site p { margin-bottom: 8px; }
footer.site a { color: #d9e2ec; }
.scroll { overflow-x: auto; }
@media (max-width: 640px) { .brand h1 { font-size: 1.25rem; } body { font-size: 15.5px; } }