@import url('https://fonts.googleapis.com/css2?family=Prata&family=Telex&display=swap');

:root{
  --title: #251BB4;
  --text: #25242B;
  --muted: #6E6B78;
  --bg: #FBFCFA;
  --line: rgba(37,36,43,0.14);
  --card: #FFFFFF;
  --serif: 'Prata', Georgia, serif;
  --sans: 'Telex', Arial, sans-serif;
}
*{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
body{
  margin:0; background: var(--bg); color: var(--text);
  font-family: var(--sans); font-size: 17px; line-height: 1.7;
}
a{ color: var(--title); }
.wrap{ max-width: 980px; margin: 0 auto; padding: 0 32px; }

/* ---------- nav ---------- */
.site-nav{
  position: sticky; top:0; z-index: 50;
  background: rgba(251,252,250,0.92); backdrop-filter: blur(6px);
  border-bottom: 1px solid var(--line);
}
.site-nav .wrap{ display:flex; align-items:center; justify-content:space-between; padding: 18px 32px; }
.wordmark{ font-family: var(--serif); font-size: 19px; color: var(--title); text-decoration:none; }
.wordmark .sub{ font-family: var(--sans); font-size: 12.5px; color: var(--muted); display:block; margin-top: 1px; }
.nav-links{ display:flex; gap: 24px; list-style:none; margin:0; padding:0; }
.nav-links a{ color: var(--muted); text-decoration:none; font-size: 13.5px; }
.nav-links a:hover, .nav-links a.current{ color: var(--title); }
.nav-back{ font-size: 13.5px; color: var(--muted); text-decoration:none; }
.nav-back:hover{ color: var(--title); }

/* ---------- page head ---------- */
.page-head{ padding: 56px 32px 40px; max-width: 980px; margin: 0 auto; }
.page-head .kicker{ font-size: 13px; color: var(--muted); letter-spacing: 0.04em; margin: 0 0 14px; }
.page-head h1{ font-family: var(--serif); font-weight:400; color: var(--title); font-size: 40px; line-height:1.2; margin: 0 0 18px; max-width: 18ch; }
.page-head p.lede{ max-width: 62ch; font-size: 17.5px; color: var(--text); margin:0; }

/* ---------- callout (regulatory update) ---------- */
.callout{
  background: var(--card); border: 1px solid var(--line); border-left: 3px solid var(--title);
  padding: 22px 26px; margin: 0 32px 8px; max-width: 916px; margin-left:auto; margin-right:auto;
  border-radius: 2px;
}
.callout .tag{ font-size: 12px; letter-spacing: 0.05em; color: var(--title); margin: 0 0 8px; text-transform: uppercase; }
.callout p{ margin: 0; font-size: 15px; color: var(--text); }
.callout p + p{ margin-top: 10px; }

/* ---------- sections ---------- */
section{ padding: 52px 32px; max-width: 980px; margin: 0 auto; border-top: 1px solid var(--line); }
section:first-of-type{ border-top: none; }
h2{ font-family: var(--serif); font-weight:400; color: var(--title); font-size: 27px; margin: 0 0 16px; line-height:1.3; }
h3{ font-family: var(--serif); font-weight:400; color: var(--text); font-size: 19px; margin: 26px 0 10px; }
p{ margin: 0 0 14px; }
ul{ margin: 0 0 14px; padding-left: 20px; }
li{ margin-bottom: 7px; }
.muted{ color: var(--muted); font-size: 15px; }
.lede-sm{ max-width: 66ch; color: var(--text); }

/* ---------- category grid (hub page) ---------- */
.cat-grid{ display:grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--line); border: 1px solid var(--line); }
.cat-card{ background: var(--bg); padding: 30px 28px; text-decoration:none; color: inherit; display:block; }
.cat-card:hover{ background: var(--card); }
.cat-card .n{ font-family: var(--serif); color: var(--title); font-size: 14px; margin: 0 0 10px; }
.cat-card h3{ margin: 0 0 10px; font-size: 21px; }
.cat-card p{ color: var(--muted); font-size: 14.5px; margin:0; }

/* ---------- comparison table ---------- */
.tbl{ width:100%; border-collapse: collapse; margin: 8px 0 24px; font-size: 14.5px; }
.tbl th{
  text-align:left; font-family: var(--sans); font-weight:600; font-size: 12.5px;
  color: var(--muted); text-transform: uppercase; letter-spacing: 0.03em;
  padding: 0 14px 12px 0; border-bottom: 1px solid var(--title);
}
.tbl td{ padding: 14px 14px 14px 0; border-bottom: 1px solid var(--line); vertical-align: top; }
.tbl td:first-child, .tbl th:first-child{ color: var(--title); font-family: var(--serif); font-size: 15.5px; white-space: nowrap; }

/* ---------- sub-category cards (within a page) ---------- */
.sub-card{ padding: 22px 0; border-top: 1px solid var(--line); }
.sub-card:first-of-type{ border-top: none; }
.sub-card h3{ margin: 0 0 8px; }
.sub-card .risk{ display:inline-block; font-size: 11.5px; color: var(--muted); border: 1px solid var(--line); padding: 3px 10px; border-radius: 20px; margin-bottom: 10px; }

/* ---------- footer / CTA ---------- */
.cta-band{
  padding: 56px 32px; max-width: 980px; margin: 0 auto; border-top: 1px solid var(--line);
  display:flex; justify-content:space-between; align-items:center; flex-wrap: wrap; gap: 20px;
}
.cta-band p{ margin:0; max-width: 40ch; color: var(--text); }
.btn-primary{
  background: var(--title); color:#fff; text-decoration:none; padding: 13px 24px;
  border-radius: 2px; font-size: 14.5px; white-space: nowrap;
}
.btn-primary:hover{ opacity: 0.9; }

.page-footer{ max-width: 980px; margin: 0 auto; padding: 30px 32px 50px; color: var(--muted); font-size: 12.5px; line-height:1.6; }

.pager{ display:flex; justify-content:space-between; padding: 30px 32px; max-width: 980px; margin:0 auto; border-top: 1px solid var(--line); font-size: 14px; }
.pager a{ text-decoration:none; color: var(--text); }
.pager a .dir{ display:block; color: var(--muted); font-size: 12px; margin-bottom: 4px; }
.pager .next{ text-align: right; }

@media (max-width: 700px){
  .nav-links{ display:none; }
  .page-head h1{ font-size: 30px; }
  .cat-grid{ grid-template-columns: 1fr; }
  .tbl{ display:block; overflow-x:auto; white-space: nowrap; }
  .cta-band{ flex-direction:column; align-items:flex-start; }
}