*{box-sizing:border-box}
:root{--navy:#10364f;--blue:#1b5e79;--teal:#23888c;--copper:#b66c3e;--gold:#e3b75d;--ink:#253b49}
body{margin:0;background:#eaf0f2;color:var(--ink);font-family:Arial,sans-serif}
.header{height:68px;background:linear-gradient(90deg,#0b2d45,#1a6078);display:flex;align-items:center;padding:0 25px;gap:28px;color:white;border-bottom:3px solid #d4a85d}
.logo{color:white;text-decoration:none;font:bold 18px Georgia;min-width:230px}
.header span{flex:1;font:italic 15px Georgia}
.cta{background:var(--gold);color:#092d43;padding:12px 20px;border-radius:8px;text-decoration:none;font-weight:bold}
.layout{display:grid;grid-template-columns:285px 1fr;min-height:calc(100vh - 68px)}
.sidebar{background:#0c3049;color:#fff;padding:15px;overflow:auto}
.company{text-align:center;font:bold italic 26px/.95 Georgia;padding:10px;border-bottom:1px solid #678393}
.company em{font-size:18px}
.company i{display:block;height:6px;width:150px;margin:9px auto;background:linear-gradient(90deg,#b66c3e 48%,#f4dfb3 48% 53%,#258d94 53%);border-radius:50%}
.short{text-align:center;font:italic 12px Georgia;padding:12px;color:#d9edf0}
.sidebar nav button{width:100%;display:flex;gap:9px;text-align:left;padding:8px;border:0;border-radius:5px;background:none;color:#eff7ff;cursor:pointer;font-size:13px}
.sidebar nav button.active,.sidebar nav button:hover{background:#1a7189}
.sidebar nav button span{flex:1}
.sidebar nav hr{border:0;border-top:1px solid #68899a;margin:12px 0}
.navtitle{display:block;padding:0 7px 7px}
.sidebar-note{margin-top:20px;padding:13px;background:#14465f;border:1px solid #648b95;border-radius:7px;font-size:13px;line-height:1.5}
.main{display:flex;flex-direction:column;min-width:0;background:#edf2f3}
.toolbar{height:52px;display:flex;justify-content:space-between;align-items:center;padding:0 20px;background:#fff;border-bottom:1px solid #d1dce0;font-size:13px}
.toolbar span b{font-size:10px;letter-spacing:.1em;color:#854b2d;background:#f8ebe2;padding:6px;border-radius:12px}
.toolbar button,footer button,footer a{border:0;background:none;color:#244c60;font-weight:bold;text-decoration:none;cursor:pointer;padding:8px}
.stage{position:relative;flex:1;min-height:680px;padding:22px 50px;display:flex;justify-content:center}
.stage article{width:min(100%,1300px);min-height:650px;background:white;box-shadow:0 12px 35px #102b4a30;border:1px solid #d7dce2;overflow:auto}
.arrow{position:absolute;top:50%;transform:translateY(-50%);border:1px solid #b5c5d5;background:white;color:#0e416c;border-radius:50%;width:40px;height:55px;font-size:32px;cursor:pointer}
.arrow:first-child{left:6px}.arrow:last-child{right:6px}
.arrow:disabled,footer button:disabled{opacity:.35;cursor:not-allowed}
.paper{max-width:1080px;margin:auto;padding:55px 8%;min-height:650px}
.kicker{font-size:11px;letter-spacing:.17em;font-weight:bold;color:#a65f35}
.paper h1{font:bold 43px/1.1 Georgia;color:#183b52;margin:15px 0}
.sub{font:18px/1.5 Georgia;color:#526c7b}
.rule{height:4px;width:100px;background:#b66c3e;margin:25px 0 30px}
.paper p{font:17px/1.75 Georgia;color:#293f4b;margin:0 0 18px}
.paper p.lead{font-size:20px;color:#203d50}
.cover{min-height:650px;position:relative;overflow:hidden;background:#fbfcfa;display:flex;flex-direction:column;padding:28px 0 0}
.cover-heading{padding:0 7% 18px;position:relative;z-index:1}
.topline{font-size:11px;letter-spacing:.18em;color:#a65f35;font-weight:bold}
.brand{font:bold italic 25px/.95 Georgia;color:#183b52;margin:12px 0 15px}
.brand em{font-size:18px}
.brand i{display:block;width:150px;height:5px;background:linear-gradient(90deg,#b66c3e 48%,#f4dfb3 48% 53%,#258d94 53%);margin-top:7px}
.cover h1{position:relative;z-index:2;font:bold italic clamp(30px,3.5vw,46px)/1.08 Georgia;color:#183b52;max-width:950px;margin:8px 0 12px}
.cover h1 strong{color:#1a7886}
.cover>div>p{font:italic 17px/1.4 Georgia;color:#3e5a67;margin:0}
.photo{position:relative;flex:1;min-height:300px;width:100%;overflow:hidden}
.photo img{display:block;width:100%;height:100%;object-fit:cover;object-position:center 50%}
.byline{position:absolute;bottom:12px;right:18px;color:white;text-align:right;text-shadow:0 2px 5px #000;font:12px Georgia;background:#07354ccc;padding:8px 12px;border-radius:4px}
.byline b{font-size:15px;display:block}.byline small{font:10px Arial;display:block;margin-top:3px}
.toc{display:grid;grid-template-columns:1fr 1fr;gap:0 28px}
.toc a{display:flex;gap:8px;align-items:baseline;text-decoration:none;color:#213b59;border-bottom:1px solid #e0e7ee;padding:10px 0;font:14px/1.35 Georgia;cursor:pointer}
.toc a:hover{color:#167e88}.toc a i{flex:1;border-bottom:1px dotted #a8b5c2}.toc a b{font:12px Arial;color:#a65f35}.toc strong{color:#0e4b68}
.takeaway{margin:30px 0;padding:20px;background:#eef5f4;border-left:5px solid #1d858b}
.takeaway b{font-size:11px;color:#146e78;letter-spacing:.12em}
.takeaway p{margin:8px 0}.takeaway small{color:#718195}
.endmark{border-top:1px solid #dce4eb;padding-top:15px;margin-top:40px;font-size:10px;letter-spacing:.12em;color:#8797a8}
.signature{font:italic 18px Georgia;color:#183b60;margin:30px 0}.signature small{font:12px Arial;color:#718195}
blockquote{padding:22px;border-block:1px solid #c6d2de;font:bold italic 23px Georgia;color:#123b63}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:25px 0}
.cards div{background:#edf4f5;padding:16px;border-top:3px solid #b66c3e}
.cards p{font-size:14px;line-height:1.5;margin-top:8px}
.disclosure{background:#fff6e8;border:1px solid #e7cda4;color:#79521e;padding:14px;font-weight:bold;font-size:12px}
footer{background:#0c3049;color:white;min-height:56px;display:flex;justify-content:space-between;align-items:center;padding:5px 18px;border-top:3px solid #23888c}
footer button,footer a{color:white}footer b{font-size:13px}
#searchPanel{padding:10px 20px;background:#edf4f6}
#searchPanel input{padding:9px;width:min(60%,450px)}
#searchPanel button{padding:9px 15px;background:#10566e;color:white;border:0}
#searchResult{font-size:12px;margin-left:10px}
@media(max-width:900px){.layout{grid-template-columns:220px 1fr}.header span{display:none}.toc{grid-template-columns:1fr}.paper{padding:35px 6%}}
@media(max-width:650px){.header{padding:8px;gap:6px}.logo{min-width:0;font-size:14px}.cta{font-size:10px;padding:9px}.layout{display:block}.sidebar{max-height:240px}.company,.short,.sidebar-note,.sidebar nav hr,.navtitle,#chapterNav{display:none}.sidebar nav{display:flex;flex-wrap:wrap;gap:3px}.sidebar nav button{width:auto;font-size:11px;padding:7px}.toolbar{padding:0 7px}.toolbar>span{font-size:11px}.toolbar button{font-size:11px;padding:5px}.stage{padding:8px;min-height:650px}.arrow{display:none}.paper{padding:28px 20px}.paper h1{font-size:31px}.paper p{font-size:15px}.cover{padding:22px 0 0;min-height:620px}.cover-heading{padding:0 20px 14px}.cover h1{font-size:30px}.photo{min-height:280px}.cards{grid-template-columns:1fr}footer{flex-wrap:wrap;padding:6px;gap:4px}footer button,footer a{font-size:11px;padding:5px}}
@media print{.header,.sidebar,.toolbar,footer,.arrow,#searchPanel{display:none!important}.layout{display:block}.stage{padding:0}.stage article{box-shadow:none;border:0}.paper{page-break-before:always}.cover{page-break-after:always}}