:root{
    --navy:#0b2545;--navy-2:#13315c;--accent:#1d7874;--accent-2:#2a9d8f;
    --gold:#b98b2f;--ink:#1b2430;--muted:#5a6675;--line:#e2e8f0;--bg:#f7f9fc;--white:#fff;
  }
  *{box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{margin:0;font-family:Georgia,"Times New Roman",serif;color:var(--ink);background:var(--bg);line-height:1.75;font-size:18px}
  h1,h2,h3,.sans{font-family:"Helvetica Neue",Arial,Helvetica,sans-serif}
  a{color:var(--accent);text-decoration:none}
  a:hover{text-decoration:underline}
  .wrap{max-width:960px;margin:0 auto;padding:0 24px}
  header.hero{background:linear-gradient(140deg,var(--navy),var(--navy-2) 60%,#1d3a63);color:#fff;padding:64px 0 56px;border-bottom:6px solid var(--gold)}
  .eyebrow{font-family:"Helvetica Neue",Arial,sans-serif;letter-spacing:.18em;text-transform:uppercase;font-size:12px;color:#9fc3d6;margin:0 0 14px}
  header.hero h1{font-size:2.5rem;line-height:1.2;margin:0 0 18px;font-weight:700}
  header.hero .sub{font-size:1.15rem;color:#dce7f2;max-width:760px;margin:0 0 26px}
  .addressed{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:26px}
  .chip{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:7px 16px;font-family:"Helvetica Neue",Arial,sans-serif;font-size:.82rem;letter-spacing:.04em}
  .subject{border-left:4px solid var(--gold);padding:14px 20px;background:rgba(255,255,255,.07);font-size:1.02rem;color:#f0f5fa}
  nav.toc{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20;box-shadow:0 1px 8px rgba(11,37,69,.06)}
  nav.toc ul{list-style:none;display:flex;flex-wrap:wrap;gap:6px 20px;margin:0;padding:14px 0;font-family:"Helvetica Neue",Arial,sans-serif;font-size:.83rem;text-transform:uppercase;letter-spacing:.06em}
  nav.toc a{color:var(--navy-2)}
  main{padding:44px 0 10px}
  section{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:34px 36px;margin:0 0 30px;box-shadow:0 2px 14px rgba(11,37,69,.04)}
  section h2{font-size:1.5rem;margin:0 0 6px;color:var(--navy)}
  section h2 .num{color:var(--gold);margin-right:10px;font-weight:700}
  section h3{font-size:1.08rem;margin:28px 0 8px;color:var(--navy-2);letter-spacing:.01em}
  p{margin:0 0 16px}
  ul.clean{list-style:none;padding:0;margin:0 0 16px}
  ul.clean li{position:relative;padding-left:26px;margin-bottom:9px}
  ul.clean li::before{content:"";position:absolute;left:6px;top:.72em;width:8px;height:8px;background:var(--accent-2);border-radius:2px;transform:rotate(45deg)}
  .grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:22px 0 6px}
  .card{border:1px solid var(--line);border-radius:12px;padding:22px 24px;background:#fbfdff}
  .card.us{border-top:4px solid #b3283c}
  .card.ca{border-top:4px solid #c8102e}
  .card h4{font-family:"Helvetica Neue",Arial,sans-serif;margin:0 0 12px;font-size:1.05rem;color:var(--navy)}
  .stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:26px 0 6px}
  .stat{background:var(--navy);color:#fff;border-radius:12px;padding:20px 18px;text-align:center}
  .stat .big{font-family:"Helvetica Neue",Arial,sans-serif;font-size:1.55rem;font-weight:700;display:block;line-height:1.15}
  .stat .lbl{font-size:.78rem;color:#b9cfe4;font-family:"Helvetica Neue",Arial,sans-serif;letter-spacing:.05em;text-transform:uppercase}
  table{width:100%;border-collapse:collapse;margin:18px 0;font-size:.95rem}
  th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line)}
  th{background:#eef3f9;font-family:"Helvetica Neue",Arial,sans-serif;font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:var(--navy)}
  tfoot td{font-weight:700;background:#f4f8fb}
  .pull{border-left:5px solid var(--accent);background:#f1f8f7;padding:18px 22px;border-radius:0 10px 10px 0;font-size:1.06rem;color:#153b39;margin:24px 0}
  ol.asks{counter-reset:a;list-style:none;padding:0;margin:18px 0 0}
  ol.asks li{counter-increment:a;position:relative;padding:16px 18px 16px 62px;border:1px solid var(--line);border-radius:12px;margin-bottom:14px;background:#fbfdff}
  ol.asks li::before{content:counter(a);position:absolute;left:18px;top:16px;width:30px;height:30px;background:var(--navy);color:#fff;border-radius:50%;display:grid;place-items:center;font-family:"Helvetica Neue",Arial,sans-serif;font-size:.9rem;font-weight:700}
  ol.asks strong{display:block;color:var(--navy-2);font-family:"Helvetica Neue",Arial,sans-serif;font-size:1rem;margin-bottom:4px}
  .closing{background:linear-gradient(140deg,var(--navy),#14406b);color:#fff;border:none}
  .closing h2{color:#fff}
  .closing .pull{background:rgba(255,255,255,.08);border-left-color:var(--gold);color:#f2f7fb}
  .sign{margin-top:26px;padding-top:20px;border-top:1px solid rgba(255,255,255,.25);font-style:italic;color:#dce7f2}
  .note{font-size:.85rem;color:var(--muted);font-family:"Helvetica Neue",Arial,sans-serif;line-height:1.6}
  footer{padding:34px 0 60px;text-align:center}
  @media(max-width:760px){
    body{font-size:17px}
    header.hero h1{font-size:1.85rem}
    section{padding:26px 20px}
    .grid,.stats{grid-template-columns:1fr}
    nav.toc ul{gap:4px 14px;font-size:.75rem}
  }