/* ============ Collateral Assets — light theme ============ */
:root {
  --navy:      #12294b;
  --blue:      #2f6bd8;
  --blue-soft: #eaf1fb;
  --gold:      #c9a227;
  --bg:        #ffffff;
  --soft:      #f5f8fc;
  --text:      #2b3a4f;
  --muted:     #64748b;
  --line:      #dde6f0;
  --green:     #1e8e5a;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  font-size: 16.5px;
}
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }

/* ---------- Header / nav ---------- */
header {
  position: sticky; top: 0; z-index: 50;
  background: #fff;
  border-bottom: 1px solid var(--line);
  box-shadow: 0 1px 8px rgba(18, 41, 75, .06);
}
.nav-wrap {
  max-width: 1120px; margin: 0 auto; padding: 14px 20px;
  display: flex; align-items: center; gap: 24px; flex-wrap: wrap;
}
.logo { font-weight: 800; font-size: 1.25rem; color: var(--navy); letter-spacing: -.3px; }
.logo span { color: var(--gold); }
nav ul { display: flex; flex-wrap: wrap; gap: 4px 14px; list-style: none; margin-left: auto; }
nav a {
  color: var(--navy); font-size: .86rem; font-weight: 600;
  padding: 6px 10px; border-radius: 6px;
}
nav a:hover, nav a.active { background: var(--blue-soft); color: var(--blue); text-decoration: none; }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--soft) 0%, #eef4fc 55%, #f8f4e8 100%);
  border-bottom: 1px solid var(--line);
}
.hero-inner { max-width: 1120px; margin: 0 auto; padding: 72px 20px 64px; }
.hero h1 { font-size: 2.6rem; line-height: 1.2; color: var(--navy); max-width: 780px; letter-spacing: -.5px; }
.hero p.lead { margin-top: 18px; font-size: 1.15rem; color: var(--muted); max-width: 720px; }
.hero .btns { margin-top: 30px; display: flex; gap: 14px; flex-wrap: wrap; }
.btn {
  display: inline-block; padding: 12px 26px; border-radius: 8px;
  font-weight: 700; font-size: .95rem;
}
.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: #2455b0; text-decoration: none; }
.btn-ghost { border: 2px solid var(--blue); color: var(--blue); }
.btn-ghost:hover { background: var(--blue-soft); text-decoration: none; }

/* ---------- Layout ---------- */
main { max-width: 1120px; margin: 0 auto; padding: 56px 20px; }
article.prose { max-width: 860px; }
h1.page-title { font-size: 2.2rem; color: var(--navy); margin-bottom: 10px; letter-spacing: -.4px; }
p.updated { color: var(--muted); font-size: .85rem; margin-bottom: 28px; }
.prose h2 { font-size: 1.5rem; color: var(--navy); margin: 40px 0 14px; padding-bottom: 8px; border-bottom: 2px solid var(--blue-soft); }
.prose h3 { font-size: 1.15rem; color: var(--navy); margin: 26px 0 10px; }
.prose p { margin-bottom: 16px; }
.prose ul, .prose ol { margin: 0 0 18px 24px; }
.prose li { margin-bottom: 8px; }

/* ---------- Cards ---------- */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; margin: 34px 0; }
.card {
  background: var(--soft); border: 1px solid var(--line); border-radius: 12px;
  padding: 24px; transition: transform .15s ease, box-shadow .15s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: 0 8px 24px rgba(18,41,75,.08); }
.card .num { font-size: .8rem; font-weight: 800; color: var(--gold); letter-spacing: 1px; }
.card h3 { margin: 8px 0 8px; font-size: 1.05rem; color: var(--navy); }
.card p { font-size: .92rem; color: var(--muted); margin: 0 0 12px; }
.card a { font-weight: 700; font-size: .9rem; }

/* ---------- Callout ---------- */
.callout {
  background: var(--blue-soft); border-left: 4px solid var(--blue);
  border-radius: 8px; padding: 20px 24px; margin: 26px 0;
}
.callout.gold { background: #faf5e4; border-left-color: var(--gold); }
.callout strong { color: var(--navy); }

/* ---------- Table ---------- */
table { width: 100%; border-collapse: collapse; margin: 22px 0 28px; font-size: .93rem; }
th { background: var(--navy); color: #fff; text-align: left; padding: 12px 14px; font-weight: 600; }
td { padding: 12px 14px; border-bottom: 1px solid var(--line); }
tr:nth-child(even) td { background: var(--soft); }

/* ---------- Footer ---------- */
footer { background: var(--navy); color: #b9c7dc; margin-top: 40px; }
.foot-wrap { max-width: 1120px; margin: 0 auto; padding: 44px 20px; display: flex; flex-wrap: wrap; gap: 30px; justify-content: space-between; }
footer h4 { color: #fff; margin-bottom: 12px; font-size: .95rem; }
footer ul { list-style: none; }
footer li { margin-bottom: 7px; }
footer a { color: #b9c7dc; font-size: .88rem; }
footer a:hover { color: #fff; }
.disclaimer { max-width: 1120px; margin: 0 auto; padding: 0 20px 30px; font-size: .8rem; color: #8fa2bd; }

@media (max-width: 720px) {
  .hero h1 { font-size: 2rem; }
  .nav-wrap { gap: 10px; }
  nav a { font-size: .78rem; padding: 5px 8px; }
}