:root{--navy:#1a2742;--cream:#faf8f2;--border:#e8e4d8;--text:#1a2742;--text-2:#555;--text-3:#888;--red:#c2432a;--blue:#2d5f8a;--green:#5f8a2d;--amber:#a57820;--purple:#5a3a7a}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Georgia,'Times New Roman',serif;background:var(--cream);color:var(--text);line-height:1.65;-webkit-font-smoothing:antialiased;min-height:100vh;display:flex;flex-direction:column}
a{color:inherit;text-decoration:none}
img{max-width:100%;height:auto;display:block}

.wrap{max-width:1080px;margin:0 auto;padding:0 1.5rem;width:100%}
@media(max-width:700px){.wrap{padding:0 1rem}}

/* NAV */
header.site{background:var(--cream);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;backdrop-filter:blur(8px)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:1rem 0;gap:1rem;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px}
.brand-mark{width:30px;height:30px;background:var(--navy);border-radius:6px;display:flex;align-items:center;justify-content:center;color:var(--cream);font-weight:500;font-size:15px;flex-shrink:0}
.brand-name{font-size:17px;font-weight:500;color:var(--navy);letter-spacing:-0.01em;line-height:1.1}
.brand-sub{font-family:Arial,sans-serif;font-size:10px;color:var(--text-3);letter-spacing:0.08em;text-transform:uppercase;margin-top:1px}
.nav-links{display:flex;gap:1.5rem;font-size:14px;color:var(--text-2);font-family:Arial,sans-serif}
.nav-links a{transition:color .15s}
.nav-links a:hover{color:var(--navy)}
@media(max-width:600px){.nav-links{gap:1rem;font-size:13px;width:100%;justify-content:center;padding-top:8px;border-top:1px solid var(--border);margin-top:6px}}

/* HERO */
.hero{padding:3rem 0 2.5rem;text-align:center;border-bottom:1px solid var(--border)}
.hero-eyebrow{font-family:Arial,sans-serif;font-size:11px;color:var(--text-3);letter-spacing:0.14em;text-transform:uppercase;margin-bottom:14px}
.hero h1{font-size:clamp(24px,4vw,34px);font-weight:500;color:var(--navy);line-height:1.15;letter-spacing:-0.02em;max-width:680px;margin:0 auto 14px}
.hero p{font-family:Arial,sans-serif;font-size:14px;color:var(--text-2);max-width:520px;margin:0 auto;line-height:1.6}

/* PAGE TITLE (for inner pages) */
.page-title{padding:2.5rem 0 1.5rem;text-align:left;border-bottom:1px solid var(--border)}
.page-title .crumb{font-family:Arial,sans-serif;font-size:11px;color:var(--text-3);letter-spacing:0.12em;text-transform:uppercase;margin-bottom:10px}
.page-title h1{font-size:clamp(26px,4vw,36px);font-weight:500;letter-spacing:-0.02em;color:var(--navy);line-height:1.2}
.page-title p{font-family:Arial,sans-serif;font-size:14px;color:var(--text-2);margin-top:10px;max-width:680px;line-height:1.6}

/* MAIN GRID */
main{flex:1;padding:2.5rem 0}
.grid{display:grid;grid-template-columns:2fr 1fr;gap:2.5rem;align-items:start}
@media(max-width:800px){.grid{grid-template-columns:1fr;gap:2rem}}

/* SECTION HEADERS */
.sh{font-family:Arial,sans-serif;font-size:11px;color:var(--text-3);letter-spacing:0.12em;text-transform:uppercase;margin-bottom:1rem;font-weight:500}

/* ARTICLE CARDS */
.article-card{margin-bottom:1.75rem;padding-bottom:1.75rem;border-bottom:1px solid var(--border)}
.article-card:last-child{border-bottom:none}
.art-cat{font-family:Arial,sans-serif;font-size:10px;letter-spacing:0.1em;text-transform:uppercase;font-weight:500;margin-bottom:8px;display:inline-block}
.art-title{font-size:clamp(18px,2.2vw,22px);font-weight:500;color:var(--navy);line-height:1.25;letter-spacing:-0.01em;margin-bottom:8px;transition:color .15s}
a:hover .art-title{color:var(--red)}
.art-excerpt{font-size:14px;color:var(--text-2);line-height:1.6;margin-bottom:10px}
.art-meta{font-family:Arial,sans-serif;font-size:11px;color:var(--text-3)}
.art-meta .sep{margin:0 7px;color:var(--border)}

/* SIDEBAR */
.sidebar .card{background:#fff;border:1px solid var(--border);border-radius:8px;padding:14px 16px;margin-bottom:10px;transition:border-color .15s}
.sidebar .card:hover{border-color:var(--navy)}
.sidebar .card-t{font-family:Arial,sans-serif;font-size:13px;font-weight:500;color:var(--navy)}
.sidebar .card-s{font-family:Arial,sans-serif;font-size:11px;color:var(--text-3);margin-top:2px}

/* ARTICLE CONTENT (inside an article page) */
.article-body{max-width:720px;margin:0 auto}
.article-body .meta-top{font-family:Arial,sans-serif;font-size:11px;color:var(--text-3);letter-spacing:0.1em;text-transform:uppercase;margin-bottom:12px}
.article-body h1{font-size:clamp(26px,4vw,38px);font-weight:500;line-height:1.2;letter-spacing:-0.02em;color:var(--navy);margin-bottom:16px}
.article-body .excerpt{font-size:17px;color:var(--text-2);line-height:1.55;font-style:italic;margin-bottom:20px;padding-bottom:20px;border-bottom:1px solid var(--border)}
.article-body .byline{font-family:Arial,sans-serif;font-size:12px;color:var(--text-3);margin-bottom:28px}
.article-body p{font-size:16px;line-height:1.75;margin-bottom:18px;color:var(--text)}
.article-body h2{font-size:22px;font-weight:500;margin:30px 0 14px;color:var(--navy);letter-spacing:-0.01em}
.article-body h3{font-size:18px;font-weight:500;margin:24px 0 10px;color:var(--navy)}
.article-body blockquote{font-size:18px;line-height:1.55;font-style:italic;color:var(--text-2);border-left:3px solid var(--navy);padding:8px 0 8px 18px;margin:24px 0}
.article-body ul,.article-body ol{margin:14px 0 18px 24px}
.article-body li{margin-bottom:8px;font-size:16px;line-height:1.7}
.article-body a{color:var(--red);border-bottom:1px solid var(--border);transition:border-color .15s}
.article-body a:hover{border-bottom-color:var(--red)}

/* EXPERT BOX (for client mentions) */
.expert-box{background:#fff;border:1px solid var(--border);border-left:3px solid var(--navy);border-radius:6px;padding:18px 20px;margin:28px 0;font-family:Arial,sans-serif}
.expert-box .t{font-size:10px;letter-spacing:0.12em;text-transform:uppercase;color:var(--text-3);margin-bottom:8px;font-weight:500}
.expert-box h4{font-size:16px;font-weight:500;color:var(--navy);margin-bottom:4px;font-family:Georgia,serif}
.expert-box p{font-size:13px;color:var(--text-2);line-height:1.55;margin-bottom:10px}
.expert-box a{font-size:12px;color:var(--red);font-weight:500}

/* FORMS */
.form-wrap{max-width:480px}
.field{margin-bottom:18px}
.field label{display:block;font-family:Arial,sans-serif;font-size:12px;font-weight:500;color:var(--text-2);margin-bottom:6px;letter-spacing:0.03em}
.field input,.field textarea{width:100%;padding:10px 12px;border:1px solid var(--border);border-radius:6px;font-family:Arial,sans-serif;font-size:14px;background:#fff;color:var(--text);transition:border-color .15s}
.field input:focus,.field textarea:focus{outline:none;border-color:var(--navy)}
.field textarea{resize:vertical;min-height:110px;line-height:1.55}
.btn-primary{font-family:Arial,sans-serif;background:var(--navy);color:var(--cream);border:none;padding:11px 22px;border-radius:6px;font-size:14px;font-weight:500;cursor:pointer;transition:opacity .15s}
.btn-primary:hover{opacity:.88}

/* PROSE (for legal pages) */
.prose{max-width:720px;margin:0 auto;font-size:15px;line-height:1.75}
.prose h2{font-size:20px;font-weight:500;margin:32px 0 12px;color:var(--navy);letter-spacing:-0.01em}
.prose h3{font-size:17px;font-weight:500;margin:22px 0 8px;color:var(--navy)}
.prose p{margin-bottom:16px;color:var(--text)}
.prose ul,.prose ol{margin:12px 0 16px 22px}
.prose li{margin-bottom:6px}
.prose strong{font-weight:500;color:var(--navy)}

/* FOOTER */
footer.site{background:var(--navy);color:var(--cream);padding:2.5rem 0 1.5rem;margin-top:3rem;font-family:Arial,sans-serif;font-size:13px;line-height:1.6}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2rem;margin-bottom:2rem}
@media(max-width:700px){.foot-grid{grid-template-columns:1fr 1fr;gap:1.5rem}}
.foot-col h5{font-size:11px;letter-spacing:0.12em;text-transform:uppercase;color:rgba(250,248,242,0.6);margin-bottom:12px;font-weight:500}
.foot-col p,.foot-col a{color:rgba(250,248,242,0.75);display:block;margin-bottom:6px;font-size:13px;transition:color .15s}
.foot-col a:hover{color:var(--cream)}
.foot-brand{font-family:Georgia,serif;font-size:18px;color:var(--cream);margin-bottom:10px;font-weight:500}
.foot-about{font-size:12px;color:rgba(250,248,242,0.6);line-height:1.65;max-width:360px}
.foot-bottom{border-top:1px solid rgba(250,248,242,0.12);padding-top:1.25rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:11px;color:rgba(250,248,242,0.5)}

/* CATEGORY PILLS */
.pills{display:flex;gap:6px;flex-wrap:wrap;margin:10px 0 20px}
.pill{font-family:Arial,sans-serif;font-size:11px;padding:5px 12px;border:1px solid var(--border);border-radius:100px;color:var(--text-2);background:#fff;transition:background .15s,color .15s}
.pill:hover,.pill.active{background:var(--navy);color:var(--cream);border-color:var(--navy)}

/* SEARCH */
.search-box{display:flex;gap:6px;margin:1rem 0 1.5rem}
.search-box input{flex:1;padding:9px 14px;border:1px solid var(--border);border-radius:100px;font-family:Arial,sans-serif;font-size:13px;background:#fff}
.search-box input:focus{outline:none;border-color:var(--navy)}
.search-box button{font-family:Arial,sans-serif;background:var(--navy);color:var(--cream);border:none;padding:0 18px;border-radius:100px;font-size:12px;font-weight:500;cursor:pointer}