:root{--ink:#16181d;--body:#2b2e35;--mut:#6b7078;--bg:#ffffff;--ivory:#f7f5f1;--blue:#17356b;--blue-l:#e9eef7;--bronze:#a67c2e;--line:#dcdcd7;--line-d:#b9b9b2}
*{margin:0;padding:0;box-sizing:border-box}
body{background:var(--bg);color:var(--body);font-family:'Source Serif 4',Georgia,serif;font-size:17.5px;line-height:1.75}
.container{max-width:1140px;margin:0 auto;padding:0 24px}
a{color:var(--blue)}
.sans{font-family:'IBM Plex Sans',Arial,sans-serif}

/* utility bar */
.util{background:var(--ink);color:#c9ccd2;font-family:'IBM Plex Sans',sans-serif;font-size:.78rem}
.util .container{display:flex;justify-content:space-between;align-items:center;padding-top:8px;padding-bottom:8px;gap:14px;flex-wrap:wrap}
.util b{color:#e8b45a;font-weight:600}
.util a{color:#fff;text-decoration:none;font-weight:600}
.util a:hover{color:#e8b45a}

/* masthead */
.masthead{border-bottom:3px solid var(--ink);background:#fff}
.masthead .brandrow{display:flex;align-items:flex-end;justify-content:space-between;padding:26px 0 18px;gap:20px;flex-wrap:wrap}
.brand{text-decoration:none;color:var(--ink)}
.brand h1{font-family:'Playfair Display',serif;font-weight:800;font-size:clamp(1.7rem,4vw,2.5rem);letter-spacing:.01em;line-height:1}
.brand p{font-family:'IBM Plex Sans',sans-serif;font-size:.78rem;letter-spacing:.22em;text-transform:uppercase;color:var(--mut);margin-top:6px}
.hd-call{font-family:'IBM Plex Sans',sans-serif;text-align:right}
.hd-call small{display:block;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--mut);margin-bottom:3px}
.hd-call a{font-weight:700;font-size:1.25rem;color:var(--ink);text-decoration:none;border-bottom:2px solid var(--bronze)}
.mainnav{border-top:1px solid var(--line);display:flex;flex-wrap:wrap}
.mainnav a{font-family:'IBM Plex Sans',sans-serif;font-size:.78rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink);text-decoration:none;padding:14px 18px 12px;border-bottom:3px solid transparent;margin-bottom:-3px}
.mainnav a:hover,.mainnav a.active{border-bottom-color:var(--bronze);color:var(--blue)}

/* notice band */
.noticeband{background:var(--ivory);border-bottom:1px solid var(--line);font-family:'IBM Plex Sans',sans-serif;font-size:.8rem;color:#4c5058;text-align:center;padding:9px 18px}
.noticeband strong{color:var(--blue)}

/* breadcrumb + page top */
.crumbs{font-family:'IBM Plex Sans',sans-serif;font-size:.78rem;color:var(--mut);padding:22px 0 0}
.crumbs a{color:var(--blue);text-decoration:none}
.pagetop{padding:18px 0 26px;border-bottom:1px solid var(--line)}
.cat-label{font-family:'IBM Plex Sans',sans-serif;font-size:.72rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--bronze)}
.pagetop h1.title{font-family:'Playfair Display',serif;font-weight:800;font-size:clamp(1.9rem,4.6vw,3rem);line-height:1.12;color:var(--ink);margin:12px 0 14px;max-width:24ch}
.standfirst{font-size:1.16rem;color:#43474f;max-width:66ch;line-height:1.6}
.metarow{font-family:'IBM Plex Sans',sans-serif;font-size:.78rem;color:var(--mut);margin-top:18px;display:flex;gap:8px 26px;flex-wrap:wrap}
.metarow b{color:var(--ink);font-weight:600}

/* layout */
.pagegrid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;padding:34px 0 20px;align-items:start}
@media(max-width:900px){.pagegrid{grid-template-columns:1fr}}

/* article body */
.prose>p{margin-bottom:18px;max-width:68ch}
.prose h2{font-family:'Playfair Display',serif;font-weight:800;font-size:1.55rem;color:var(--ink);margin:42px 0 4px;padding-top:26px;border-top:1px solid var(--line)}
.prose h2:first-of-type{border-top:none;padding-top:0;margin-top:6px}
.prose h2 span.no{color:var(--bronze);margin-right:12px}
.prose h3{font-family:'IBM Plex Sans',sans-serif;font-weight:700;font-size:1rem;letter-spacing:.02em;color:var(--ink);margin:24px 0 8px}
.prose ul,.prose ol{margin:0 0 18px 24px;max-width:66ch}
.prose li{margin-bottom:9px}
.prose .subhead-note{font-family:'IBM Plex Sans',sans-serif;font-size:.78rem;color:var(--mut);margin:2px 0 16px}

/* executive summary */
.execsum{background:var(--ivory);border:1px solid var(--line);border-top:4px solid var(--blue);padding:24px 28px;margin:0 0 34px}
.execsum h2{font-family:'IBM Plex Sans',sans-serif;font-size:.76rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--blue);margin-bottom:14px}
.execsum ol{margin-left:20px}
.execsum li{margin-bottom:9px;font-size:.98rem}

/* key point / caution */
.keypoint{border-left:4px solid var(--blue);background:var(--blue-l);padding:16px 22px;margin:22px 0;max-width:66ch;font-size:.98rem}
.caution{border:1px solid var(--line-d);border-left:4px solid var(--bronze);background:#fbf7ee;padding:16px 22px;margin:22px 0;max-width:66ch;font-size:.98rem}
.caution b,.keypoint b{font-family:'IBM Plex Sans',sans-serif;font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;display:block;margin-bottom:6px}
.caution b{color:var(--bronze)}.keypoint b{color:var(--blue)}

/* assessment table */
table.assess{width:100%;border-collapse:collapse;margin:20px 0 26px;font-size:.95rem}
table.assess caption{caption-side:bottom;font-family:'IBM Plex Sans',sans-serif;font-size:.76rem;color:var(--mut);text-align:left;padding-top:9px}
table.assess th{font-family:'IBM Plex Sans',sans-serif;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;text-align:left;color:var(--ink);border-top:2px solid var(--ink);border-bottom:1px solid var(--ink);padding:11px 12px}
table.assess td{padding:12px;border-bottom:1px solid var(--line);vertical-align:top}

/* procedure list */
.procedure{counter-reset:proc;margin:18px 0 24px;border-top:2px solid var(--ink)}
.procedure>div{counter-increment:proc;display:grid;grid-template-columns:64px 1fr;border-bottom:1px solid var(--line);padding:18px 0}
.procedure>div::before{content:counter(proc,decimal-leading-zero);font-family:'Playfair Display',serif;font-weight:800;font-size:1.7rem;color:var(--line-d)}
.procedure b{font-family:'IBM Plex Sans',sans-serif;display:block;color:var(--ink);margin-bottom:4px}
.procedure p{font-size:.97rem}

/* sidebar */
.rail>div{border:1px solid var(--line);padding:22px;margin-bottom:22px;background:#fff}
.rail h3{font-family:'IBM Plex Sans',sans-serif;font-size:.72rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--ink);padding-bottom:10px;border-bottom:2px solid var(--ink);margin-bottom:14px}
.rail p{font-size:.86rem;color:#4c5058;margin-bottom:10px}
.rail ul{list-style:none}
.rail li{border-bottom:1px solid var(--line)}
.rail li:last-child{border:none}
.rail li a{display:block;padding:9px 0;font-family:'IBM Plex Sans',sans-serif;font-size:.85rem;font-weight:600;color:var(--blue);text-decoration:none}
.rail li a:hover{color:var(--bronze)}
.rail .helpbox{background:var(--ink);border-color:var(--ink);color:#d6d9de}
.rail .helpbox h3{color:#fff;border-bottom-color:var(--bronze)}
.rail .helpbox p{color:#b9bdc5}
.rail .helpbox a.tel{display:block;text-align:center;font-family:'IBM Plex Sans',sans-serif;font-weight:700;font-size:1.15rem;color:#fff;background:var(--blue);padding:13px;text-decoration:none;margin:8px 0 10px}
.rail .helpbox a.tel:hover{background:#1e4589}
.rail .helpbox small{font-size:.73rem;color:#8f939b;display:block;line-height:1.5}
.sticky{position:sticky;top:20px}

/* listing cards (home/hubs) */
.featured{display:grid;grid-template-columns:1.25fr 1fr;gap:40px;padding:36px 0;border-bottom:1px solid var(--line);align-items:center}
@media(max-width:820px){.featured{grid-template-columns:1fr}}
.featured .fx h2{font-family:'Playfair Display',serif;font-weight:800;font-size:clamp(1.6rem,3.6vw,2.3rem);line-height:1.15;margin:10px 0 12px}
.featured .fx h2 a{color:var(--ink);text-decoration:none}
.featured .fx h2 a:hover{color:var(--blue)}
.featured .fx p{color:#43474f;max-width:56ch}
.featured .fside{border-left:1px solid var(--line);padding-left:36px}
@media(max-width:820px){.featured .fside{border-left:none;padding-left:0}}
.featured .fside h4{font-family:'IBM Plex Sans',sans-serif;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:var(--bronze);margin-bottom:12px}
.listgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:0 36px;padding:8px 0 30px}
.listitem{padding:22px 0;border-bottom:1px solid var(--line)}
.listitem .cat-label{font-size:.68rem}
.listitem h3{font-family:'Playfair Display',serif;font-weight:800;font-size:1.22rem;line-height:1.28;margin:8px 0 8px}
.listitem h3 a{color:var(--ink);text-decoration:none}
.listitem h3 a:hover{color:var(--blue)}
.listitem p{font-size:.9rem;color:#4c5058}
.listitem .meta{font-family:'IBM Plex Sans',sans-serif;font-size:.74rem;color:var(--mut);margin-top:10px}
.secthead{display:flex;align-items:baseline;justify-content:space-between;border-bottom:2px solid var(--ink);padding:34px 0 10px;margin-bottom:4px}
.secthead h2{font-family:'Playfair Display',serif;font-weight:800;font-size:1.5rem}
.secthead a{font-family:'IBM Plex Sans',sans-serif;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;text-decoration:none}

/* consult band */
.consult{background:var(--ink);color:#d6d9de;margin-top:44px}
.consult .container{display:flex;justify-content:space-between;align-items:center;gap:26px;flex-wrap:wrap;padding-top:38px;padding-bottom:38px}
.consult h2{font-family:'Playfair Display',serif;font-weight:800;font-size:1.5rem;color:#fff;max-width:26ch}
.consult p{font-family:'IBM Plex Sans',sans-serif;font-size:.85rem;color:#a7abb3;max-width:52ch;margin-top:8px}
.consult a{font-family:'IBM Plex Sans',sans-serif;font-weight:700;font-size:1.15rem;color:var(--ink);background:#fff;padding:15px 30px;text-decoration:none;white-space:nowrap}
.consult a:hover{background:#e8b45a}

/* footer */
footer{background:#101216;color:#9ba0a8;font-family:'IBM Plex Sans',sans-serif;font-size:.84rem}
footer .top{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:28px;padding:44px 0 28px;border-bottom:1px solid #2a2d33}
footer h4{color:#fff;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;margin-bottom:12px}
footer .top a{display:block;color:#9ba0a8;text-decoration:none;padding:4px 0}
footer .top a:hover{color:#e8b45a}
footer .legal{padding:26px 0 40px}
footer .legal p{max-width:88ch;margin-bottom:11px;line-height:1.7}
footer .legal b{color:#c9ccd2}
footer .cline{border-top:1px solid #2a2d33;margin-top:18px;padding-top:16px;font-size:.76rem;color:#6b7078}

/* cookie */
.cookiebar{position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:3px solid var(--ink);box-shadow:0 -6px 24px rgba(0,0,0,.14);z-index:80;font-family:'IBM Plex Sans',sans-serif;font-size:.85rem}
.cookiebar .container{display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap;padding-top:14px;padding-bottom:14px}
.cookiebar button{font-family:inherit;font-weight:700;font-size:.82rem;padding:10px 20px;cursor:pointer;border:1px solid var(--ink);background:var(--ink);color:#fff}
.cookiebar button.sec{background:#fff;color:var(--ink)}