:root {
  --ink: #222430;
  --muted: #5d6170;
  --paper: #fdfcf7;
  --card: #ffffff;
  --rule: #d9d6c8;
  --brand: #3b3f8c;
  --brand-2: #5257b0;
  --key: #fff3b0;
  --tip: #e3f4e8;
  --warn: #fde6e1;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: Georgia, "Iowan Old Style", "Times New Roman", serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.75;
  font-size: 18px;
}
a { color: var(--brand-2); }
.sans, .ui { font-family: system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif; }
.wrap { max-width: 1040px; margin: 0 auto; padding: 0 20px; }

/* Sponsor banner */
.ad-banner { background: #f1f0e8; border-bottom: 1px solid var(--rule); font-family: system-ui, Arial, sans-serif; font-size: 14px; }
.ad-banner .wrap { display: flex; gap: 12px; flex-wrap: wrap; padding: 10px 20px; align-items: center; }
.ad-banner .label { color: var(--muted); margin-right: auto; }
.ad-banner a.ad { text-decoration: none; color: var(--ink); background: #fff; border: 1px solid var(--rule); border-radius: 6px; padding: 7px 12px; }
.ad-banner a.ad strong { color: var(--brand); }
.ad-banner a.ad:hover { border-color: var(--brand-2); }

/* Header */
header.site-header { border-bottom: 3px double var(--rule); }
header.site-header .wrap { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; padding-top: 16px; padding-bottom: 14px; }
.logo { font-family: system-ui, Arial, sans-serif; font-weight: 800; font-size: 22px; color: var(--brand); text-decoration: none; }
nav.main { font-family: system-ui, Arial, sans-serif; font-size: 15px; }
nav.main a { margin-left: 16px; color: var(--ink); text-decoration: none; }
nav.main a:hover { color: var(--brand-2); text-decoration: underline; }

/* Page intro */
.intro { padding: 40px 0 16px; }
.intro h1 { font-size: 40px; line-height: 1.2; margin: 0 0 10px; }
.intro p { color: var(--muted); margin: 0; font-size: 17px; }

/* Study-note blocks */
main.notes { padding-bottom: 40px; }
article.note { max-width: 780px; margin: 0 auto; padding: 16px 20px 48px; }
article.note h1 { font-size: 38px; line-height: 1.2; margin: 12px 0 6px; }
article.note .meta { font-family: system-ui, Arial, sans-serif; font-size: 14px; color: var(--muted); margin-bottom: 26px; }
article.note h2 { font-size: 26px; margin: 42px 0 10px; padding-bottom: 6px; border-bottom: 1px solid var(--rule); }
article.note h3 { font-size: 20px; margin: 24px 0 6px; }
article.note ul, article.note ol { padding-left: 24px; }
article.note li { margin-bottom: 7px; }

.box { border-radius: 6px; padding: 14px 18px; margin: 22px 0; font-family: system-ui, Arial, sans-serif; font-size: 16px; line-height: 1.6; }
.box .tag { font-weight: 800; text-transform: uppercase; font-size: 12px; letter-spacing: 0.08em; display: block; margin-bottom: 4px; }
.box.key { background: var(--key); }
.box.tip { background: var(--tip); }
.box.warn { background: var(--warn); }

table { width: 100%; border-collapse: collapse; margin: 16px 0; font-size: 16px; font-family: system-ui, Arial, sans-serif; }
th, td { text-align: left; padding: 9px 12px; border: 1px solid var(--rule); vertical-align: top; }
th { background: #f1f0e8; }

/* Index cards */
.topics { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 18px; padding: 8px 0 40px; }
.topic { background: var(--card); border: 1px solid var(--rule); border-radius: 8px; padding: 20px; font-family: system-ui, Arial, sans-serif; font-size: 16px; }
.topic h3 { font-family: Georgia, serif; font-size: 20px; margin: 0 0 6px; }
.topic a.more { font-weight: 700; text-decoration: none; }

.news-item { background: var(--card); border: 1px solid var(--rule); border-left: 5px solid var(--brand-2); border-radius: 6px; padding: 16px 20px; margin: 16px 0; font-family: system-ui, Arial, sans-serif; font-size: 16px; }
.news-item .date { font-size: 13px; color: var(--muted); text-transform: uppercase; letter-spacing: 0.06em; }
.news-item h3 { font-family: Georgia, serif; font-size: 20px; margin: 4px 0 8px; }

.disclaimer { font-family: system-ui, Arial, sans-serif; font-size: 14px; color: var(--muted); border-top: 1px solid var(--rule); margin-top: 40px; padding-top: 14px; }

footer.site-footer { background: #26283a; color: #d7d9e6; padding: 36px 0; font-family: system-ui, Arial, sans-serif; font-size: 15px; }
footer.site-footer a { color: #fff; margin-right: 16px; }

@media (max-width: 640px) {
  body { font-size: 17px; }
  .intro h1, article.note h1 { font-size: 30px; }
  nav.main a { margin-left: 10px; }
}

/* Standing-standard additions */
.phone-img { height: 34px; width: auto; margin-left: auto; }
.policy-btn { background: #fff; border: 2px solid currentColor; border-radius: 6px; padding: 6px 12px; font-weight: 700; }
.box { border-radius: 6px; padding: 14px 18px; margin: 22px 0; font-size: 16px; line-height: 1.6; background: #f1f5f9; }
.box .tag { font-weight: 800; text-transform: uppercase; font-size: 12px; letter-spacing: 0.08em; display: block; margin-bottom: 4px; }
.box.tip { background: #e3f4e8; }
.box.warn { background: #fde6e1; }
.faq details { border: 1px solid #d9dde6; border-radius: 6px; padding: 12px 16px; margin: 10px 0; background: #fff; }
.faq summary { font-weight: 700; cursor: pointer; }
.faq details p { margin: 10px 0 0; }