:root {
  --gold: #B08D4F;
  --gold-dark: #977741;
  --dark-blue: #2B3D4F;
  --light-blue: #3B6E91;
  --azure: #E4E8E9;
  --dark-red: #711831;
  --white: #FFFFFF;
  --ink: #1F2A36;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: "Source Sans 3", "Source Sans Pro", Arial, sans-serif;
  font-size: 19px;
  line-height: 1.7;
  color: var(--ink);
  background: var(--azure);
}
h1, h2, h3 { font-family: "Cinzel", Georgia, serif; font-weight: 400; line-height: 1.2; }
a { color: var(--light-blue); }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 760px; }

/* Top bar */
.topbar { background: var(--dark-blue); }
.topbar-in { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 64px; flex-wrap: wrap; }
.topbar .brand { font-family: "Cinzel", Georgia, serif; font-weight: 700; color: var(--white); text-decoration: none; letter-spacing: 0.03em; font-size: 1.05rem; }
.topbar nav { display: flex; gap: 22px; }
.topbar nav a { color: var(--white); text-decoration: none; font-weight: 600; font-size: 0.95rem; }
.topbar nav a:hover, .topbar .brand:hover { color: #E2C48E; }
.topbar .brand img { display: block; height: 34px; width: auto; }
@media (max-width: 620px) { .topbar .brand img { height: 26px; } }

/* Buttons */
.btn {
  display: inline-block; background: var(--gold); color: var(--white);
  font-family: "Cinzel", Georgia, serif; font-weight: 700; font-size: 0.95rem; letter-spacing: 0.04em;
  text-decoration: none; padding: 12px 28px; border-radius: 999px; border: 2px solid var(--gold);
  transition: background 0.2s;
}
.btn:hover { background: var(--gold-dark); border-color: var(--gold-dark); }
.btn-outline { background: transparent; color: var(--white); }
.btn-outline:hover { background: rgba(176, 141, 79, 0.25); }

/* Article */
.article { background: var(--white); padding: 48px 0 56px; }
.crumbs { margin: 0 0 10px; font-size: 0.85rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; }
.crumbs a { color: var(--gold); text-decoration: none; }
.article h1 { font-size: clamp(1.9rem, 4.5vw, 2.7rem); margin: 0 0 12px; color: var(--ink); }
.byline { margin: 0; color: var(--light-blue); font-weight: 600; font-size: 0.95rem; }
.rule { width: 80px; height: 4px; background: var(--gold); margin: 22px 0 30px; }
.prose h2 { font-size: clamp(1.35rem, 3vw, 1.7rem); color: var(--dark-blue); margin: 40px 0 12px; }
.prose h3 { font-size: 1.15rem; color: var(--light-blue); margin: 28px 0 8px; }
.prose p { margin: 0 0 18px; }
.prose ul, .prose ol { margin: 0 0 20px; padding-left: 26px; }
.prose li { margin-bottom: 10px; }
.prose li > p { margin: 0; }
.prose strong { color: var(--dark-blue); }

.cta {
  margin-top: 44px; background: var(--dark-blue); color: var(--white);
  border-radius: 18px; padding: 32px 30px; border-top: 6px solid var(--gold);
}
.cta h2 { margin: 0 0 10px; font-size: 1.5rem; }
.cta p { margin: 0 0 22px; color: #E7EDF2; }
.cta-btns { display: flex; flex-wrap: wrap; gap: 14px; }

/* Cards */
.more { padding: 52px 0 64px; }
.more h2, .index-list h2 { font-size: 1.9rem; margin: 0 0 24px; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card {
  display: flex; flex-direction: column; background: var(--white); border-radius: 16px;
  padding: 26px 24px; text-decoration: none; color: var(--ink);
  border-top: 5px solid var(--gold); box-shadow: 0 8px 22px rgba(31, 42, 54, 0.1);
  transition: transform 0.2s, box-shadow 0.2s;
}
.card:hover { transform: translateY(-3px); box-shadow: 0 14px 30px rgba(31, 42, 54, 0.16); }
.card h3 { font-size: 1.15rem; margin: 0 0 10px; color: var(--dark-blue); }
.card p { margin: 0 0 16px; font-size: 0.98rem; line-height: 1.55; flex: 1; }
.card-meta { font-size: 0.88rem; font-weight: 700; color: var(--gold-dark); }
.all-link { margin: 26px 0 0; font-weight: 700; }

/* Insights index */
.insights-hero { background: var(--light-blue); color: var(--white); padding: 64px 0 56px; }
.insights-hero .kicker { margin: 0 0 10px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: #E2C48E; font-size: 0.9rem; }
.insights-hero h1 { margin: 0 0 16px; font-size: clamp(1.9rem, 4.5vw, 2.9rem); }
.insights-hero .lede { margin: 0; max-width: 760px; font-size: 1.15rem; }
.insights-hero .cta-btns { margin-top: 26px; }
.btn-outline.light { color: var(--white); }
.index-list { padding: 52px 0 64px; }

.foot { background: #1F2D3B; color: var(--azure); text-align: center; font-size: 0.9rem; padding: 22px 0; }
.foot p { margin: 0; }
.foot a { color: var(--azure); }

@media (max-width: 900px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) {
  body { font-size: 18px; }
  .wrap { padding: 0 16px; }
  .cards { grid-template-columns: 1fr; }
  .article { padding: 32px 0 40px; }
  .cta { padding: 26px 20px; }
  .topbar nav { gap: 16px; }
}