:root{--navy:#071b2c;--navy2:#0d2d43;--gold:#c8a25d;--gold2:#e0c28b;--cream:#f6f2ea;--ink:#0b1c2a;--muted:#617080;--line:#dde3e8;--card:#fff;--soft:#f3f7f7;--shadow:0 16px 40px rgba(7,27,44,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:#fff;line-height:1.55}a{color:inherit;text-decoration:none}.container{width:min(1440px,92vw);margin:auto}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(7,27,44,.08)}.nav-wrap{height:78px;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:12px;min-width:360px}.brand-mark{width:50px;color:var(--navy);display:inline-flex}.brand-mark svg{width:50px;height:46px}.brand-text{display:grid;line-height:1}.brand-main,.brand-gold{font:700 31px/1 Georgia,serif;letter-spacing:-1px}.brand-main{color:var(--navy)}.brand-gold{color:#a97f3f}.brand-sub{grid-column:1/3;margin-top:7px;font-size:9px;letter-spacing:2.1px;color:#51606d}.brand-text{grid-template-columns:auto auto;column-gap:0}.main-nav{display:flex;gap:28px;margin-left:auto;font:600 14px Georgia,serif}.main-nav a{padding:28px 0}.main-nav a:hover{color:#a97f3f}.nav-search{font-size:27px}.uk-chip{border:1px solid #d7dde2;padding:9px 14px;border-radius:10px;font-weight:700}.hero{background:var(--navy);color:#fff;position:relative;overflow:hidden}.hero-inner{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(280px,.5fr);min-height:470px}.hero-main{position:relative;padding:52px 50px 40px 0;isolation:isolate}.hero-main:before{content:"";position:absolute;inset:0 -60px 0 -200px;background:linear-gradient(90deg,rgba(7,27,44,.98) 0%,rgba(7,27,44,.82) 48%,rgba(7,27,44,.28) 75%,rgba(7,27,44,.1) 100%);z-index:-1}.hero-architecture{position:absolute;right:-60px;top:0;width:67%;height:100%;z-index:-2;opacity:.95}.hero h1{font:700 clamp(48px,5vw,78px)/.98 Georgia,serif;letter-spacing:-2.6px;max-width:800px;margin:12px 0 18px;color:#f6ead2}.eyebrow{font-size:12px;letter-spacing:3px;font-weight:800;color:#a97f3f}.hero .eyebrow{color:#eed6ab}.hero-copy{max-width:650px;font:18px/1.5 Georgia,serif;color:#f0f2f4}.hero-search{display:flex;margin-top:26px;max-width:770px;background:white;border-radius:16px;padding:5px;box-shadow:0 18px 40px rgba(0,0,0,.22)}.hero-search input{flex:1;border:0;padding:17px 18px;font-size:16px;outline:0;border-radius:12px}.hero-search button{border:0;background:linear-gradient(135deg,#ddc08a,#a97f3f);color:#fff;font:700 18px Georgia,serif;padding:0 36px;border-radius:12px}.popular-tags{display:flex;align-items:center;gap:9px;flex-wrap:wrap;margin-top:14px;font-size:13px}.tag{border:1px solid rgba(224,194,139,.55);padding:6px 12px;border-radius:999px;background:rgba(5,20,32,.4)}.hero-side{border-left:1px solid rgba(224,194,139,.35);padding:44px 0 35px 34px;background:linear-gradient(180deg,rgba(11,36,55,.62),rgba(3,17,28,.94));position:relative}.hero-side h3{letter-spacing:4px;font-size:17px;line-height:1.5;color:#eed6ab}.stat{display:flex;gap:15px;align-items:center;margin:24px 0}.stat-icon{width:39px;height:39px;border:1px solid rgba(224,194,139,.5);display:grid;place-items:center;border-radius:10px;color:#e7c98f}.stat b{display:block;font-size:16px}.stat span{font-size:13px;color:#d9e0e4}.scribble{position:absolute;bottom:28px;right:14px;font:italic 21px/1.15 Georgia,serif;color:#f5e5c7;transform:rotate(-3deg)}.topic-strip{border-bottom:1px solid #eceff1;background:#fff}.topic-grid{display:grid;grid-template-columns:repeat(9,1fr)}.topic-link{text-align:center;padding:22px 8px;border-right:1px solid #edf0f2}.topic-link:last-child{border-right:0}.topic-link .ico{font-size:23px;color:#a97f3f}.topic-link b{display:block;margin-top:4px;font-size:13px}.section{padding:54px 0}.section-head{display:flex;align-items:end;justify-content:space-between;margin-bottom:22px}.section-head h2{font:700 34px/1.1 Georgia,serif;margin:0}.section-head a{color:#2558a5;font-weight:700}.home-grid{display:grid;grid-template-columns:1.45fr .75fr;gap:42px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:0 10px 26px rgba(7,27,44,.05);transition:.2s}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.card-art{height:160px;background:linear-gradient(135deg,var(--navy),#234f62);position:relative;overflow:hidden}.card-art:before,.card-art:after{content:"";position:absolute;border:1px solid rgba(224,194,139,.55);border-radius:50%}.card-art:before{width:190px;height:190px;right:-55px;top:-62px}.card-art:after{width:110px;height:110px;right:9px;top:-15px}.card-art span{position:absolute;left:20px;bottom:18px;color:#e6c98f;font:700 52px Georgia,serif}.card-body{padding:19px}.card-body .mini{font-size:10px;letter-spacing:1.7px;color:#9c7337;font-weight:800}.card h3{font:700 20px/1.18 Georgia,serif;margin:8px 0}.card p{font-size:14px;color:var(--muted);margin:0}.category-panel{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.category-box{border:1px solid var(--line);border-radius:12px;padding:16px;background:#fff}.category-box .ico{color:#a97f3f;font-size:22px}.category-box b{display:block;margin-top:6px}.category-box small{color:var(--muted)}.promo{margin-top:18px;background:linear-gradient(135deg,var(--navy),#173d51);color:white;border-radius:16px;padding:28px;position:relative;overflow:hidden}.promo:after{content:"";position:absolute;width:200px;height:200px;border:1px solid rgba(224,194,139,.35);border-radius:50%;right:-70px;top:-60px}.promo h3{font:700 27px Georgia,serif;margin:0 0 8px;color:#f2dfbc}.latest-list{border-top:1px solid var(--line)}.latest-row{display:grid;grid-template-columns:90px 1fr auto;gap:16px;align-items:center;padding:15px 0;border-bottom:1px solid var(--line)}.latest-icon{height:58px;background:linear-gradient(135deg,#0e3248,#c8a25d);border-radius:9px;color:#fff;display:grid;place-items:center;font:700 24px Georgia,serif}.latest-row h4{margin:0;font:700 17px Georgia,serif}.latest-row small{color:var(--muted)}.tools{background:#eef5f4;border-radius:15px;padding:22px}.tools a{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid rgba(7,27,44,.09)}.tools a:last-child{border:0}.breadcrumbs{display:flex;gap:9px;align-items:center;font-size:13px;color:#71808d;padding:22px 0}.breadcrumbs a{color:#315477}.article-layout{display:grid;grid-template-columns:minmax(0,850px) 320px;gap:56px;align-items:start;padding-bottom:70px}.article h1{font:700 clamp(38px,4.5vw,62px)/1.03 Georgia,serif;letter-spacing:-1.8px;margin:10px 0 14px}.dek{font:20px/1.55 Georgia,serif;color:#455765}.byline{display:flex;gap:20px;flex-wrap:wrap;font-size:13px;color:#73808a;border-bottom:1px solid var(--line);padding-bottom:18px}.article-art{margin:24px 0;border-radius:18px;overflow:hidden;box-shadow:var(--shadow)}.article-art svg{display:block;width:100%;height:auto}.answer-box{border-left:4px solid var(--gold);background:#fbf7ef;padding:18px 22px;margin:28px 0;border-radius:0 12px 12px 0}.answer-box strong{font:700 18px Georgia,serif}.article h2{font:700 30px Georgia,serif;margin:38px 0 12px}.article p{font-size:17px;color:#273b4a}.checklist{padding-left:24px}.checklist li{padding:6px 0}.note{background:#eef5f4;border:1px solid #d7e5e2;padding:17px;border-radius:12px;margin:24px 0}.faq details{border-top:1px solid var(--line);padding:15px 0}.faq summary{font:700 17px Georgia,serif;cursor:pointer}.sources a{color:#1e5d8e;text-decoration:underline}.source-note{font-size:13px!important;color:#75818a!important}.article-side{position:sticky;top:105px}.side-card{border:1px solid var(--line);border-radius:14px;padding:22px;margin-bottom:16px;background:#fff}.side-card h3{font:700 22px Georgia,serif}.side-card a{display:block;padding:9px 0;border-top:1px solid #edf0f2;color:#2558a5}.side-kicker{font-size:10px;letter-spacing:2px;color:#9c7337;font-weight:800}.hub-hero{padding:58px 0 34px;background:linear-gradient(135deg,#f8f3e9,#f2f7f6)}.hub-hero h1{font:700 52px Georgia,serif;margin:0 0 10px}.hub-hero p{max-width:760px;color:#4f6170;font-size:18px}.bank-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.bank-tile{border:1px solid var(--line);border-radius:14px;padding:18px;background:white;min-height:120px}.bank-tile b{font:700 18px Georgia,serif;display:block}.bank-monogram{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#d9bb82;font:700 18px Georgia,serif;margin-bottom:12px}.article-index{columns:2;column-gap:28px}.article-index a{display:block;break-inside:avoid;border-bottom:1px solid #edf0f2;padding:10px 0;color:#214b70}.pagination{display:flex;gap:8px;justify-content:center;padding:30px}.pagination a,.pagination span{border:1px solid var(--line);padding:8px 12px;border-radius:8px}.footer{background:#061725;color:#d9e2e8;padding:48px 0 0}.footer .brand-main{color:#fff}.footer .brand-sub{color:#9db0bd}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:45px}.footer h4{font:700 18px Georgia,serif;color:#e8c98e}.footer a{display:block;padding:5px 0;color:#c9d5dd}.muted{color:#91a3af}.tiny{font-size:12px;color:#91a3af}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding:18px 0;display:flex;justify-content:space-between;font-size:12px;color:#8397a5}.search-box{max-width:900px;margin:28px 0}.search-box input{width:100%;padding:17px;border:1px solid #cfd8de;border-radius:12px;font-size:18px}.search-results .result{padding:18px 0;border-bottom:1px solid var(--line)}.result h3{margin:0 0 5px;font:700 22px Georgia,serif}.result small{color:#7b8790}.legal{max-width:900px;padding:48px 0 80px}.legal h1{font:700 48px Georgia,serif}.legal h2{font:700 28px Georgia,serif;margin-top:34px}.legal p,.legal li{font-size:17px;color:#344957}
@media(max-width:1050px){.brand{min-width:280px}.main-nav{display:none}.hero-inner{grid-template-columns:1fr}.hero-side{display:none}.hero-main{padding-right:0}.home-grid,.article-layout{grid-template-columns:1fr}.article-side{position:static}.topic-grid{grid-template-columns:repeat(3,1fr)}.cards{grid-template-columns:1fr}.bank-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.article-index{columns:1}}
@media(max-width:640px){.container{width:min(94vw,100%)}.nav-wrap{height:66px}.brand{min-width:0}.brand-mark{width:38px}.brand-mark svg{width:38px}.brand-main,.brand-gold{font-size:24px}.brand-sub{display:none}.uk-chip{display:none}.hero-main{padding:38px 0}.hero h1{font-size:45px}.hero-architecture{width:100%;opacity:.5}.hero-search button{padding:0 20px}.topic-grid{grid-template-columns:repeat(2,1fr)}.home-grid{gap:24px}.bank-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.article h1{font-size:40px}.article-layout{gap:20px}.article-index{columns:1}}

/* Article image production placeholders */
.article-image-placeholder{aspect-ratio:5/2;min-height:260px;background:linear-gradient(135deg,#f7f4ed,#eef3f5);border:1px dashed #b89b69;box-shadow:none;display:grid;place-items:center;padding:34px;color:#183247}
.image-placeholder-inner{width:min(720px,90%);text-align:center}
.image-placeholder-label{font-size:11px;letter-spacing:2.4px;font-weight:800;color:#9a7439;margin-bottom:16px}
.image-placeholder-title{font:700 25px/1.25 Georgia,serif;color:#0b2337;margin-bottom:12px}
.image-placeholder-plan{font-size:14px;line-height:1.55;color:#526473;max-width:680px;margin:0 auto}
.image-placeholder-note{font-size:11px;color:#7f8b94;margin-top:14px}
@media(max-width:640px){.article-image-placeholder{min-height:230px;padding:24px 16px}.image-placeholder-title{font-size:20px}.image-placeholder-plan{font-size:13px}}

/* Shared premium publication layer — used by all hubs, legal pages and articles. */
.site-header{background:#061d33;border-bottom:1px solid rgba(210,162,88,.55);box-shadow:0 8px 22px rgba(5,20,38,.14)}
.nav-wrap{height:72px;width:min(1530px,94vw);gap:25px}
.brand{min-width:390px;color:#fff}.brand-mark{width:54px;color:#e1bd7a}.brand-mark svg{width:54px;height:50px}.brand-main{font-size:34px;color:#fff}.brand-gold{font-size:34px;color:#e1bd7a}.brand-sub{color:#d9dfe7;letter-spacing:2.7px}
.main-nav{gap:27px;font-size:14px}.main-nav a{color:#f7f3eb;padding:25px 0}.main-nav a:hover{color:#e1bd7a}.nav-search{color:#e1bd7a}.uk-chip{color:#fff;border-color:rgba(225,189,122,.72);background:rgba(255,255,255,.05)}
.hub-hero{padding:64px 0 42px;background:linear-gradient(110deg,#061d33 0%,#0b2a46 63%,#123b5f 100%);color:#fff;border-bottom:1px solid rgba(210,162,88,.35)}.hub-hero h1{color:#fff3df;letter-spacing:-1.6px}.hub-hero p{color:#e0e6ec;font-family:Georgia,serif}.hub-hero .eyebrow{color:#e6c586}
.breadcrumbs{padding:18px 0;color:#75869a}.breadcrumbs a{color:#496b90}.article h1,.legal h1{color:#09264b}.article h2,.legal h2{color:#0b2b60}.article h1{letter-spacing:-2.1px}.article-art{border-radius:8px}.answer-box{border-left-color:#d0a258;background:#fbf6ec;border-radius:0 8px 8px 0}.note{background:#f3f8f7;border-color:#dbe8e5}.side-card{border-radius:8px;box-shadow:0 5px 18px rgba(7,31,69,.04)}
.bank-tile,.category-box,.card{border-radius:8px}.bank-monogram{background:#092846;color:#e1bd7a}.footer{background:#061d33}.footer h4{color:#e1bd7a}


/* v53 filled search / 404 */
.search-complete{max-width:1180px;padding:52px 0 70px}
.search-complete>h1{font:700 46px/1.05 Georgia,serif;color:#0b2949;margin:6px 0 10px}
.search-intro{max-width:760px;color:#536578;font-size:17px;margin:0 0 20px}
.search-browse{margin-top:34px}
.search-browse h2,.not-found-links h2{font:700 28px/1.1 Georgia,serif;color:#0b2949;margin:34px 0 16px}
.search-guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.search-guide-card{display:flex;flex-direction:column;justify-content:space-between;min-height:112px;padding:18px;border:1px solid #e1e6ea;border-radius:12px;background:#fff;box-shadow:0 7px 18px rgba(7,27,44,.04)}
.search-guide-card strong{font:700 17px/1.25 Georgia,serif;color:#102b52}
.search-guide-card span{margin-top:12px;color:#9a7135;font-size:13px;font-weight:700}
.search-topic-grid,.search-bank-grid,.not-found-grid{display:flex;flex-wrap:wrap;gap:9px}
.search-topic-grid a,.search-bank-grid a,.not-found-grid a{border:1px solid #d7c4a8;border-radius:999px;padding:8px 13px;background:#fff;color:#17375d;font-size:13px;font-weight:700}
.not-found-links{margin-top:28px}
@media(max-width:850px){.search-guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.search-guide-grid{grid-template-columns:1fr}.search-complete>h1{font-size:38px}}