:root{
  --navy:#0f1d36;
  --navy-2:#182a4a;
  --ink:#1b2438;
  --slate:#4a5873;
  --gold:#c99a2e;
  --gold-dark:#8f6a14;
  --gold-soft:#f3e7c4;
  --paper:#f4f6f9;
  --white:#ffffff;
  --rule:#d5dae3;
  --note-bg:#fff4d9;
  --note-line:#c98b1a;
  --link:#17407f;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Charter,Georgia,serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:5rem}
body{margin:0;font-family:var(--sans);font-size:1.0625rem;line-height:1.65;color:var(--ink);background:var(--paper)}
img,svg{max-width:100%;height:auto}
a{color:var(--link);text-underline-offset:.15em}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:2px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:.6rem 1rem;z-index:100;font-weight:700}
.skip:focus{left:0}
.sr{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.wrap{width:100%;max-width:1120px;margin:0 auto;padding:0 1.1rem}

/* header: sticky on every device */
.site-header{background:var(--navy);color:#fff;border-bottom:3px solid var(--gold);position:sticky;top:0;z-index:50}
.bar{display:flex;flex-wrap:wrap;align-items:center;gap:.4rem;min-height:60px;padding-top:.25rem;padding-bottom:.25rem}
.logo{order:1;margin-right:auto;display:flex;align-items:center;gap:.5rem;min-width:0;color:#fff;text-decoration:none;font-family:var(--serif);font-weight:700;padding:.35rem 0}
.logo:hover{color:var(--gold-soft)}
.logo-coin{flex:none}
.wm{font-size:.95rem;line-height:1.1}
.wm span{display:block}
.hcta{order:2;flex:none;white-space:nowrap;font-size:.88rem;line-height:1.15;padding:.6rem 1rem;min-height:46px;display:inline-flex;align-items:center;border-radius:6px}
.burger{order:3;flex:none;display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;width:44px;height:44px;cursor:pointer}
.burger i{display:block;width:22px;height:2px;background:#fff}
.navtoggle{position:absolute;opacity:0;pointer-events:none}
.navtoggle:focus-visible ~ .burger{outline:3px solid var(--gold);outline-offset:1px}
.nav{order:4;flex-basis:100%;display:none;max-height:calc(100vh - 80px);overflow-y:auto}
.navtoggle:checked ~ .nav{display:block}
.nav ul{list-style:none;margin:0;padding:0 0 .6rem}
.nav a{display:block;color:#e8edf7;text-decoration:none;padding:.75rem .2rem;border-top:1px solid rgba(255,255,255,.12)}
.nav a:hover,.nav a[aria-current="page"]{color:var(--gold-soft)}
.nav a[aria-current="page"]{font-weight:700}
@media (max-width:359px){.logo-coin{display:none}}
@media (min-width:640px){.burger{display:flex}}

/* hero */
.hero{background:var(--navy);color:#fff;padding:2.2rem 0 2.6rem}
.herogrid{display:grid;gap:2rem}
.hero h1{font-family:var(--serif);font-size:clamp(2rem,6vw,3.1rem);line-height:1.1;margin:0 0 1rem;font-weight:700;letter-spacing:-.01em}
.lede{font-size:1.15rem;color:#d6deec;max-width:38rem;margin:0 0 1.4rem}
.herolinks{display:flex;flex-wrap:wrap;gap:.8rem;margin:0}
.memo{background:var(--white);color:var(--ink);border-left:6px solid var(--gold);padding:1.3rem 1.3rem 1.1rem;border-radius:2px;box-shadow:0 2px 0 rgba(0,0,0,.2)}
.memo h2{font-family:var(--serif);font-size:1.3rem;margin:0 0 .6rem}
.memo ul{margin:0;padding:0;list-style:none}
.memo li{line-height:1.45;padding:.6rem 0 .6rem 1.5rem;position:relative;border-top:1px solid #e3e7ee}
.memo li::before{content:"";position:absolute;left:0;top:.95rem;width:10px;height:10px;border:2px solid var(--gold-dark);border-radius:2px}
.memo a{color:var(--ink);text-decoration-color:var(--gold)}
.memo-foot{margin:.4rem 0 0;padding-top:.8rem;border-top:1px solid #e3e7ee;font-size:.95rem;color:var(--slate);font-style:italic}

/* buttons */
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;text-decoration:none;padding:.85rem 1.4rem;border-radius:6px;min-height:48px;line-height:1.3;border:2px solid var(--gold)}
.btn:hover{background:#dcae3d;color:var(--navy)}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn.ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.btn.ghost-dark{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn.ghost-dark:hover{background:var(--navy);color:#fff}

/* two-column layout with a static (non-sticky) sidebar */
.layout{display:grid;gap:2rem;grid-template-columns:minmax(0,1fr)}
article,.homemain,.sidebar{min-width:0}
.sidebar{position:static}
.side-box{background:var(--white);border:1px solid var(--rule);border-top:3px solid var(--navy);padding:1rem 1.1rem;margin-bottom:1.2rem;border-radius:2px}
.side-cta{border-top-color:var(--gold);background:#fffdf6}
.side-h{font-family:var(--serif);font-size:1.15rem;line-height:1.25;margin:0 0 .5rem;color:var(--navy)}
.side-box p{margin:0 0 .8rem;font-size:.97rem}
.side-box .cta-fine{margin:.6rem 0 0}
.side-cta .btn{display:block;text-align:center}
.side-box ul{list-style:none;margin:0;padding:0}
.side-box li{border-top:1px solid var(--rule)}
.side-box li:first-child{border-top:0}
.side-box li a{display:block;padding:.55rem 0;font-size:.97rem}

/* home */
.home{padding-top:2rem;padding-bottom:2rem}
.homemain h2{font-family:var(--serif);font-size:1.7rem;margin:2rem 0 .8rem;line-height:1.2}
.homemain>section:first-child h2{margin-top:0}
.cards{list-style:none;margin:1rem 0;padding:0;display:grid;gap:.9rem}
.cards a{display:block;background:var(--white);border:1px solid var(--rule);border-top:3px solid var(--navy);padding:1rem 1.1rem;text-decoration:none;color:var(--ink);height:100%;border-radius:2px}
.cards a:hover{border-top-color:var(--gold);background:#fffdf6}
.cards strong{display:block;font-family:var(--serif);font-size:1.15rem;color:var(--navy);margin-bottom:.25rem}
.cards span{color:var(--slate);font-size:.97rem;display:block}
.split{display:grid;gap:1.5rem;margin-top:1rem}
.feature{background:var(--white);border:1px solid var(--rule);border-left:6px solid var(--gold);padding:0 1.3rem 1.2rem}
.plain{padding-left:1.2rem}

/* article */
.article-wrap{padding-top:1.2rem;padding-bottom:3rem}
.crumbs ol{list-style:none;padding:0;margin:0 0 1.1rem;display:flex;flex-wrap:wrap;gap:.3rem .5rem;font-size:.9rem;color:var(--slate)}
.crumbs li:not(:last-child)::after{content:"/";margin-left:.5rem;color:#9aa5ba}
.crumbs a{color:var(--slate)}
article h1{font-family:var(--serif);font-size:clamp(1.9rem,5vw,2.6rem);line-height:1.15;margin:0 0 .5rem;color:var(--navy);letter-spacing:-.01em}
.meta{margin:0 0 1.2rem;color:var(--slate);font-size:.92rem}
.disclose{background:var(--white);border:1px solid var(--rule);padding:.65rem .9rem;font-size:.92rem;color:var(--slate);margin:0 0 1.2rem;border-radius:2px}
.quick{background:var(--navy);color:#fff;padding:1.1rem 1.3rem;margin:0 0 1.8rem;border-left:6px solid var(--gold);border-radius:2px}
.quick p{margin:0;font-size:1.08rem}
.quick strong{color:var(--gold-soft)}
article h2{font-family:var(--serif);font-size:1.6rem;line-height:1.25;margin:2.2rem 0 .7rem;color:var(--navy)}
article h3{font-family:var(--serif);font-size:1.15rem;margin:1.4rem 0 .3rem;color:var(--navy)}
article p{margin:0 0 1.05rem}
article ul,article ol{padding-left:1.35rem;margin:0 0 1.2rem}
article li{margin:.4rem 0}
article li::marker{color:var(--gold-dark)}
.note{background:var(--note-bg);border-left:5px solid var(--note-line);padding:.9rem 1.1rem;margin:1.2rem 0;font-size:.98rem;border-radius:2px}
.tablewrap{overflow-x:auto;margin:1.2rem 0;border:1px solid var(--rule);background:var(--white)}
table{border-collapse:collapse;width:100%;min-width:480px;font-size:.97rem}
th,td{text-align:left;padding:.7rem .85rem;border-bottom:1px solid var(--rule);vertical-align:top}
thead th{background:#e9edf4;color:var(--navy);font-weight:700}
tbody th{font-weight:700;color:var(--navy);background:#fafbfd}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
.cta{background:var(--white);border:2px solid var(--gold);padding:1.4rem 1.4rem 1.1rem;margin:2.4rem 0;border-radius:4px}
.cta h2{margin-top:0!important}
.cta.soft{border-color:var(--rule);border-left:6px solid var(--navy)}
.cta-fine{font-size:.85rem;color:var(--slate);margin:.4rem 0 0!important}
.faq h3{border-top:1px solid var(--rule);padding-top:1rem}
.related ul{list-style:none;padding:0}
.related li{border-bottom:1px solid var(--rule);margin:0}
.related a{display:block;padding:.7rem 0;text-decoration:none;font-weight:600}
.related a:hover{text-decoration:underline}
article .cards{margin-top:.8rem}
article .smap ul{list-style:none;padding:0;margin:0 0 1rem}
article .smap li{margin:0;padding:.55rem 0;border-bottom:1px solid var(--rule)}
.smap .url{display:block;font-size:.82rem;color:var(--slate);word-break:break-all}

/* footer */
.site-footer{background:var(--navy);color:#cbd5e6;padding:2.2rem 0 2rem;margin-top:2rem;font-size:.95rem}
.fcta{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1rem;border-bottom:1px solid rgba(255,255,255,.18);padding-bottom:1.4rem;margin-bottom:1.4rem}
.fcta p{margin:0;color:#fff}
.fgrid{display:grid;gap:1.4rem;margin-bottom:1.4rem}
.site-footer h2{font-family:var(--serif);color:#fff;font-size:1.05rem;margin:0 0 .5rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:.3rem 0}
.site-footer a{color:#e8edf7}
.site-footer .btn{color:var(--navy)}
.site-footer a:hover{color:var(--gold-soft)}
.site-footer .btn:hover{color:var(--navy)}
.fine{font-size:.85rem;color:#aab6cc;max-width:60rem;margin:.6rem 0}

@media (min-width:760px){
  .herogrid{grid-template-columns:1.15fr .85fr;align-items:center;gap:3rem}
  .cards{grid-template-columns:repeat(2,1fr)}
  .split{grid-template-columns:1fr 1fr;gap:2.5rem}
  .fgrid{grid-template-columns:repeat(3,1fr)}
  .hero{padding:3.4rem 0 3.6rem}
  .hcta{font-size:.9rem;padding:.5rem .95rem}
  .wm{font-size:1.1rem}
  .wm span{display:inline}
}
@media (min-width:980px){
  .layout{grid-template-columns:minmax(0,760px) 300px;justify-content:center;gap:3rem;align-items:start}
  .home.layout{grid-template-columns:minmax(0,1fr) 300px;justify-content:stretch}
}
@media (min-width:1024px){
  .burger{display:none}
  .logo{margin-right:auto;padding-right:1.5rem}
  .wm{font-size:1.1rem}
  .nav{order:2;flex-basis:auto;display:block;max-height:none;overflow:visible}
  .nav ul{display:flex;gap:1rem;padding:0}
  .nav a{border-top:0;padding:.5rem .1rem;font-size:.92rem}
  .navhome{display:none}
  .hcta{order:3;margin-left:1.25rem}
}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

/* sitewide popup */
.pop{position:fixed;inset:0;z-index:200;display:none;align-items:center;justify-content:center;background:rgba(15,29,54,.62);padding:1rem}
.pop.open{display:flex}
.pop-lock{overflow:hidden}
.pop-card{position:relative;background:var(--white);color:var(--ink);width:100%;max-width:440px;border-radius:8px;border-top:5px solid var(--gold);padding:1.7rem 1.4rem 1.4rem;box-shadow:0 20px 50px rgba(0,0,0,.35)}
.pop-card:focus{outline:none}
.pop-x{position:absolute;top:.35rem;right:.35rem;width:44px;height:44px;border:0;background:none;font-size:1.9rem;line-height:1;cursor:pointer;color:var(--slate);border-radius:6px}
.pop-x:hover{color:var(--navy)}
.pop-card h2{font-family:var(--serif);font-size:1.4rem;line-height:1.2;margin:0 2.2rem .6rem 0;color:var(--navy)}
.pop-card p{margin:0 0 1.2rem}
.pop-actions{display:flex;flex-direction:column;gap:.6rem}
.pop-actions .btn,.pop-stay{text-align:center;font:inherit;font-weight:700;cursor:pointer}
.pop-stay{background:transparent;border:2px solid var(--navy);color:var(--navy);border-radius:6px;padding:.85rem 1.4rem;min-height:48px}
.pop-stay:hover{background:var(--navy);color:#fff}
@media (min-width:520px){.pop-actions{flex-direction:row}.pop-actions>*{flex:1}}
@media (max-width:519px){.pop{align-items:flex-end;padding:0}.pop-card{max-width:none;border-radius:14px 14px 0 0}}