*,:before,:after{box-sizing:border-box;margin:0;padding:0}:root{--color-navy:#0f2044;--color-navy-mid:#1a3d6e;--color-gold:#c9922a;--color-gold-dark:#b07e22;--color-offwhite:#f5f7fa;--color-white:#fff;--color-charcoal:#1c1c1e;--color-gray:#6b7280;--color-gray-light:#e5e7eb;--font-serif:Georgia, "Times New Roman", serif;--font-sans:"Helvetica Neue", Arial, system-ui, sans-serif;--container-max:1200px;--section-pad:5rem 1.5rem}html{-webkit-font-smoothing:antialiased;font-size:16px}body{font-family:var(--font-sans);color:var(--color-charcoal);background:var(--color-white);line-height:1.7}h1,h2,h3{font-family:var(--font-serif);color:var(--color-navy);font-weight:700;line-height:1.25}h1{font-size:clamp(2rem,5vw,2.75rem)}h2{font-size:clamp(1.5rem,3vw,2rem)}h3{font-size:1.5rem}h4{font-size:1.25rem;font-family:var(--font-sans);font-weight:500}p{margin-bottom:1.25rem}p:last-child{margin-bottom:0}a{color:var(--color-navy-mid);text-decoration:underline}a:hover{color:var(--color-gold)}img{max-width:100%;display:block}.container{max-width:var(--container-max);margin:0 auto;padding:0 1.5rem}.btn-cta{background:var(--color-gold);font-family:var(--font-sans);cursor:pointer;border:none;border-radius:4px;padding:.875rem 2rem;font-size:1rem;font-weight:700;transition:background .2s;display:inline-block;color:#fff!important;text-decoration:none!important}.btn-cta:hover{background:var(--color-gold-dark)}.btn-cta-lg{padding:1rem 2.5rem;font-size:1.125rem}.gold-rule{background:var(--color-gold);width:48px;height:3px;margin:1rem 0 1.5rem;display:block}.practice-card{background:var(--color-white);border:1px solid var(--color-gray-light);border-top:4px solid var(--color-gold);border-radius:4px;padding:2rem;transition:box-shadow .2s}.practice-card:hover{box-shadow:0 4px 20px #0f20441f}.disclaimer-block{background:var(--color-offwhite);border-left:4px solid var(--color-gold);border-radius:0 4px 4px 0;margin:1.5rem 0;padding:1rem 1.25rem}.disclaimer-block p{color:var(--color-gray);margin:0;font-size:.875rem;line-height:1.6}.article-body h2{margin:2rem 0 1rem}.article-body h3{margin:1.5rem 0 .75rem}.article-body ul,.article-body ol{margin:0 0 1.25rem 1.5rem}.article-body li{margin-bottom:.5rem}@media (max-width:768px){:root{--section-pad:3rem 1rem}h1{font-size:1.875rem}}