:root{--navy:#0d2e6e;--blue:#1f5fbf;--sky:#4a9fe0;--red:#d6262b;--gold:#f2c14e;--sand:#e9d8b4;--ink:#17202e;--muted:#566275;--line:#dde4ee;--bg:#f7f9fc;--card:#fff;--r:14px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.7 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
img{max-width:100%;height:auto}
a{color:var(--blue)}
.wrap{max-width:1060px;margin:0 auto;padding:0 16px}
h1,h2,h3{line-height:1.25;color:var(--navy)}
h1{font-size:clamp(1.9rem,4.6vw,2.8rem);margin:.2em 0 .4em}
h2{font-size:clamp(1.4rem,3vw,1.8rem);margin:1.6em 0 .5em}
h3{font-size:1.15rem;margin:1.3em 0 .3em}
.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.76rem;font-weight:700;color:var(--blue);margin:0}
.muted{color:var(--muted)}
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;font-weight:700;padding:12px 22px;border-radius:999px}
.btn:hover{background:var(--blue)}
.btn.alt{background:#fff;color:var(--navy)}
/* header */
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800;font-size:1.3rem;letter-spacing:-.01em}
.brand img{width:44px;height:44px}
.brand .t{color:var(--red)}.brand .c{color:var(--navy)}.brand .d{color:var(--muted);font-weight:600}
.top nav{display:flex;gap:16px;flex-wrap:wrap;font-weight:600;font-size:.97rem}
.top nav a{color:var(--navy);text-decoration:none}
.top nav a:hover,.top nav a.on{color:var(--red)}
/* beach hero */
.hero{position:relative;overflow:hidden;color:var(--navy);background:linear-gradient(180deg,#bfe3fb 0%,#e8f5fd 46%,#4a9fe0 47%,#2f80c8 60%,#7fbde6 64%,var(--sand) 65%,#f3e7cc 100%)}
.hero::after{content:"";position:absolute;right:-40px;top:-40px;width:200px;height:200px;border-radius:50%;background:radial-gradient(circle,#fff6c9 0,#ffe48a 45%,rgba(255,228,138,0) 70%)}
.hero .wrap{position:relative;z-index:1;padding-top:clamp(36px,7vw,72px);padding-bottom:clamp(36px,7vw,72px)}
.hero .panel{background:rgba(255,255,255,.9);backdrop-filter:blur(4px);border-radius:var(--r);padding:clamp(20px,4vw,36px);max-width:640px;box-shadow:0 12px 34px rgba(13,46,110,.15)}
.hero .lede{font-size:1.12rem;color:#2c3a50;margin:0 0 1.2em}
.hero .actions{display:flex;gap:10px;flex-wrap:wrap}
.sub{background:linear-gradient(180deg,#d9eefc,#eef7fd);border-bottom:1px solid var(--line)}
.sub .wrap{padding-top:34px;padding-bottom:26px}
.sub h1{margin:.15em 0 .2em}
main{padding:30px 0 50px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px}
.card h3{margin-top:0}
.card p{margin:.3em 0 0;color:var(--muted)}
a.card{text-decoration:none;color:inherit;display:block}
a.card:hover{border-color:var(--sky);box-shadow:0 6px 18px rgba(13,46,110,.08)}
.ico{width:38px;height:38px;color:var(--blue)}
.callout{background:#fff8e6;border:1px solid #f2dca0;border-left:5px solid var(--gold);border-radius:10px;padding:14px 18px;margin:18px 0}
.rights{background:var(--navy);color:#e8eefb;border-radius:var(--r);padding:clamp(20px,4vw,34px);margin:34px 0}
.rights h2{color:#fff;margin-top:0}
.rights .grid .card{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.18)}
.rights .card h3{color:var(--gold)}.rights .card p{color:#d4def2}
.rights a{color:#fff}
.prose{max-width:760px}
.prose ul,.prose ol{padding-left:1.25em}
.prose li{margin:.3em 0}
.toc{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin:14px 0 6px}
.toc ul{margin:.3em 0 0;padding-left:1.1em}
.byline{font-size:.92rem;color:var(--muted)}
.disclose{font-size:.88rem;color:var(--muted);border-top:1px solid var(--line);margin-top:30px;padding-top:12px}
.two{display:grid;grid-template-columns:1.3fr 1fr;gap:28px;align-items:start}
footer{background:#0a2152;color:#b9c6e0;font-size:.9rem}
footer .wrap{padding-top:26px;padding-bottom:26px}
footer a{color:#e3eaf8}
footer .cols{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
footer nav{display:flex;gap:14px;flex-wrap:wrap}
@media (max-width:820px){.grid{grid-template-columns:1fr}.two{grid-template-columns:1fr}.top .wrap{justify-content:center}.top nav{justify-content:center;gap:8px 14px}}
.grid.g2{grid-template-columns:1fr 1fr}
@media (max-width:820px){.grid.g2{grid-template-columns:1fr}}