:root {
      --navy:       #1E3A5F;
      --navy-mid:   #2E5075;
      --teal:       #6BBFB5;
      --teal-lt:    #A2D4CE;
      --sky-pale:   #D9EDF8;
      --sun:        #F2D978;
      --sun-lt:     #F8EBB0;
      --warm-white: #F4F2EE;
      --off-white:  #EBE9E5;
      --mid-gray:   #9A9A96;
      --lt-gray:    #E8E7E3;
      --body-text:  #3A3A38;
      --rule:       rgba(30,58,95,0.10);
    }
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { font-size: 16px; scroll-behavior: smooth; }
    body {
      font-family: 'DM Sans', sans-serif;
      font-weight: 300;
      color: var(--body-text);
      background: #E5E3DF;
      -webkit-font-smoothing: antialiased;
    }
    .skip-link {
      position: absolute; top: -100px; left: 0;
      background: var(--navy); color: #fff;
      padding: 8px 16px; font-size: 13px; z-index: 9999;
    }
    .skip-link:focus { top: 0; }

    /* NAV */
    nav {
      position: fixed; top: 0; left: 0; right: 0; z-index: 100;
      display: flex; align-items: center; justify-content: space-between;
      padding: 0 60px; height: 72px;
      background: rgba(229, 227, 223, 0.98);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid var(--rule);
      transition: box-shadow 0.3s;
    }
    nav.scrolled { box-shadow: 0 2px 24px rgba(30,58,95,0.07); }
    .nav-logo { height: 70px; width: auto; }
    .nav-links { list-style: none; display: flex; gap: 40px; }
    .nav-links a {
      font-size: 11px; font-weight: 400; letter-spacing: 0.16em;
      text-transform: uppercase; color: var(--navy);
      text-decoration: none; opacity: 0.5; transition: opacity 0.2s;
    }
    .nav-links a:hover, .nav-links a.active { opacity: 1; }

    /* PAGE HEADER (dispatch index) */
    .page-header {
      background: var(--navy);
      padding: 148px 60px 72px;
    }
    .page-header-inner {
      max-width: 760px;
      margin: 0 auto;
    }
    .page-eyebrow {
      font-size: 11px; letter-spacing: 0.22em; text-transform: uppercase;
      color: var(--teal); margin-bottom: 20px; display: block;
    }
    .page-title {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 300;
      font-size: clamp(44px, 6vw, 72px);
      line-height: 1.0;
      color: rgba(255,255,255,0.92);
      letter-spacing: -0.02em;
      margin-bottom: 24px;
    }
    .page-desc {
      font-size: 15px; line-height: 1.8;
      color: rgba(255,255,255,0.4);
      max-width: 440px;
    }

    /* ARTICLE LIST */
    .articles-wrap {
      max-width: 760px;
      margin: 0 auto;
      padding: 0 60px 100px;
    }
    .article-featured {
      display: block;
      text-decoration: none;
      padding: 52px 0 48px;
      border-bottom: 1px solid var(--rule);
    }
    .article-featured-meta {
      display: flex; align-items: center; gap: 14px;
      font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase;
      margin-bottom: 18px;
    }
    .tag { color: var(--teal); }
    .meta-dot {
      width: 3px; height: 3px; border-radius: 50%; background: var(--lt-gray);
    }
    .meta-date, .meta-read { color: var(--mid-gray); }
    .article-featured-title {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 300;
      font-size: clamp(28px, 4vw, 40px);
      line-height: 1.1; letter-spacing: -0.01em;
      color: var(--navy);
      margin-bottom: 16px;
      transition: color 0.2s;
    }
    .article-featured:hover .article-featured-title { color: var(--teal); }
    .article-featured-dek {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 300; font-style: italic;
      font-size: 18px; line-height: 1.6;
      color: var(--body-text); opacity: 0.6;
      max-width: 560px; margin-bottom: 24px;
    }
    .article-featured-byline {
      display: flex; align-items: center; gap: 10px;
    }
    .byline-avatar-sm {
      width: 28px; height: 28px; border-radius: 50%;
      background: var(--lt-gray);
      display: flex; align-items: center; justify-content: center;
      flex-shrink: 0;
    }
    .byline-avatar-sm span {
      font-family: 'Cormorant Garamond', serif;
      font-size: 11px; color: var(--mid-gray);
    }
    .byline-name-sm {
      font-size: 12px; color: var(--mid-gray); letter-spacing: 0.04em;
    }
    .article-row {
      display: grid; text-decoration: none;
      padding: 36px 0;
      border-bottom: 1px solid var(--rule);
      grid-template-columns: 1fr auto;
      gap: 40px;
      align-items: start;
    }
    .article-row:hover .article-row-title { color: var(--teal); }
    .article-row-meta {
      display: flex; align-items: center; gap: 14px;
      font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase;
      margin-bottom: 10px;
    }
    .article-row-title {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 400; font-size: 22px;
      line-height: 1.2; color: var(--navy);
      margin-bottom: 8px; transition: color 0.2s;
    }
    .article-row-excerpt {
      font-size: 13px; line-height: 1.75;
      color: var(--body-text); opacity: 0.55;
    }
    .article-row-byline {
      display: flex; align-items: center; gap: 8px;
      white-space: nowrap; padding-top: 4px;
    }
    .article-row-byline span {
      font-size: 11px; color: var(--mid-gray); letter-spacing: 0.04em;
    }

    /* ARTICLE HEADER - navy band */
    .article-header {
      background: #1E3A5F;
      background-color: #1E3A5F;
      padding: 148px 60px 72px;
    }
    .article-header-inner {
      max-width: 75vw;
      margin: 0 auto;
    }
    .article-breadcrumb {
      display: flex; align-items: center; gap: 8px;
      font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase;
      margin-bottom: 32px;
    }
    .article-breadcrumb * {
      color: #1E3A5F !important;
    }
    .article-breadcrumb a {
      color: #1E3A5F !important; text-decoration: none; transition: color 0.2s;
    }
    .article-breadcrumb a:hover { color: #1E3A5F !important; }
    .article-breadcrumb span { color: #1E3A5F !important; }
    .article-breadcrumb .crumb-current { color: #1E3A5F !important; }
    .article-meta {
      display: flex; align-items: center; gap: 16px;
      font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase;
      margin-bottom: 24px;
    }
    .article-tag { color: var(--teal); }
    .article-meta-dot {
      width: 3px; height: 3px; border-radius: 50%;
      background: rgba(255,255,255,0.2);
    }
    .article-meta-date { color: rgba(255,255,255,0.35); }
    .article-meta-read { color: rgba(255,255,255,0.35); }
    h1.article-title {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 300;
      font-size: clamp(36px, 5.5vw, 62px);
      line-height: 1.06;
      color: rgba(255,255,255,0.92);
      letter-spacing: -0.02em;
      margin-bottom: 28px;
    }
    .article-dek {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 300; font-style: italic;
      font-size: 20px; line-height: 1.6;
      color: var(--sun);
      margin-bottom: 44px;
    }

    /* BYLINE */
    .byline {
      display: flex; align-items: center; gap: 14px;
      padding-top: 32px;
      border-top: 1px solid rgba(255,255,255,0.08);
    }
    .byline-avatar {
      width: 44px; height: 44px; border-radius: 50%;
      background: var(--navy-mid);
      border: 1.5px solid rgba(255,255,255,0.15);
      overflow: hidden; flex-shrink: 0;
      display: flex; align-items: center; justify-content: center;
    }
    /* Placeholder initials */
    .byline-avatar-initials {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 400; font-size: 16px;
      color: rgba(255,255,255,0.5);
      user-select: none;
    }
    .byline-text {}
    .byline-name {
      font-family: 'DM Sans', sans-serif;
      font-weight: 400; font-size: 13px;
      color: rgba(255,255,255,0.75);
      line-height: 1.3;
    }
    .byline-role {
      font-size: 11px; letter-spacing: 0.08em;
      color: rgba(255,255,255,0.3);
      margin-top: 2px;
    }

    /* ARTICLE BODY */
    .article-body-wrap {
      max-width: 75vw;
      margin: 0 auto;
      padding: 0 60px;
    }
    .article-body {
      background: var(--warm-white);
      padding: 60px 64px 72px;
      margin-top: 0;
      border-radius: 12px;
    }

    .article-body p {
      font-size: 17px; line-height: 1.9;
      color: var(--body-text);
      margin-bottom: 28px;
    }
    .article-body h2 {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 400; font-size: 26px;
      color: var(--navy); line-height: 1.2;
      margin: 52px 0 20px; letter-spacing: -0.01em;
    }
    .article-body h3 {
      font-family: 'DM Sans', sans-serif;
      font-weight: 500; font-size: 11px;
      letter-spacing: 0.16em; text-transform: uppercase;
      color: var(--mid-gray); margin: 40px 0 14px;
    }
    .article-body blockquote {
      border-left: 2px solid var(--teal);
      margin: 48px 0; padding: 4px 0 4px 32px;
    }
    .article-body blockquote p {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 300; font-style: italic;
      font-size: 22px; line-height: 1.55;
      color: var(--navy); margin-bottom: 0; opacity: 0.85;
    }
    .article-body hr {
      border: none; border-top: 1px solid var(--rule);
      margin: 52px 0;
    }

    /* FIGURES & IMAGES */
    .article-body figure {
      margin: 52px 0;
      border-radius: 12px;
      overflow: hidden;
      border: 1px solid var(--lt-gray);
    }
    .article-body figure img {
      width: 100%;
      height: auto;
      display: block;
    }
    .article-body figcaption {
      padding: 16px 20px;
      background: var(--off-white);
      font-size: 12px;
      line-height: 1.6;
      color: var(--mid-gray);
      letter-spacing: 0.02em;
    }

    /* CHARTS & DATA VISUALIZATION */
    .article-chart {
      margin: 52px 0;
      padding: 32px;
      background: var(--off-white);
      border: 1px solid var(--lt-gray);
      border-radius: 12px;
    }
    .article-chart-title {
      font-family: 'DM Sans', sans-serif;
      font-weight: 500;
      font-size: 11px;
      letter-spacing: 0.16em;
      text-transform: uppercase;
      color: var(--mid-gray);
      margin-bottom: 24px;
    }
    .article-chart-bar {
      display: flex;
      align-items: center;
      gap: 12px;
      margin-bottom: 16px;
    }
    .article-chart-label {
      width: 120px;
      font-size: 13px;
      color: var(--body-text);
      flex-shrink: 0;
    }
    .article-chart-bar-outer {
      flex: 1;
      height: 32px;
      background: var(--warm-white);
      border-radius: 4px;
      border: 1px solid var(--lt-gray);
      overflow: hidden;
    }
    .article-chart-bar-inner {
      height: 100%;
      background: linear-gradient(90deg, var(--teal) 0%, var(--teal-lt) 100%);
      display: flex;
      align-items: center;
      justify-content: flex-end;
      padding-right: 12px;
      font-size: 12px;
      font-weight: 500;
      color: var(--navy);
    }
    .article-chart-caption {
      margin-top: 20px;
      padding-top: 20px;
      border-top: 1px solid var(--rule);
      font-size: 12px;
      line-height: 1.6;
      color: var(--mid-gray);
      letter-spacing: 0.02em;
    }

    /* LINE CHART */
    .article-line-chart {
      margin: 52px 0;
      padding: 32px;
      background: var(--off-white);
      border: 1px solid var(--lt-gray);
      border-radius: 12px;
    }
    .article-line-chart-svg {
      width: 100%;
      height: 240px;
    }

    /* STAT CALLOUT */
    .article-stat-box {
      margin: 40px 0;
      padding: 28px 32px;
      background: linear-gradient(135deg, var(--sky-pale) 0%, var(--warm-white) 100%);
      border-left: 3px solid var(--teal);
      border-radius: 8px;
    }
    .article-stat-number {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 300;
      font-size: 48px;
      line-height: 1;
      color: var(--navy);
      margin-bottom: 8px;
    }
    .article-stat-label {
      font-size: 13px;
      color: var(--mid-gray);
      letter-spacing: 0.04em;
    }

    /* END MARK */
    .article-end {
      display: flex; align-items: center; gap: 16px;
      margin-top: 56px; padding-top: 36px;
      border-top: 1px solid var(--rule);
    }
    .article-end-mark { width: 28px; height: 1px; background: var(--teal); }
    .article-end-text {
      font-size: 11px; letter-spacing: 0.14em;
      text-transform: uppercase; color: var(--mid-gray);
    }

    /* AUTHOR CARD - footer of article */
    .author-card-wrap {
      max-width: 75vw;
      margin: 0 auto;
      padding: 0 60px 80px;
    }
    .author-card {
      background: var(--warm-white);
      border: 1px solid var(--lt-gray);
      border-top: 2px solid var(--teal);
      border-radius: 12px;
      padding: 36px 40px;
      display: flex;
      gap: 28px;
      align-items: flex-start;
    }
    .author-card-avatar {
      width: 64px; height: 64px; border-radius: 50%;
      background: var(--lt-gray);
      border: 1.5px solid var(--lt-gray);
      overflow: hidden; flex-shrink: 0;
      display: flex; align-items: center; justify-content: center;
    }
    .author-card-avatar-initials {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 400; font-size: 22px;
      color: var(--mid-gray);
    }
    .author-card-body {}
    .author-card-label {
      font-size: 10px; letter-spacing: 0.18em;
      text-transform: uppercase; color: var(--teal);
      margin-bottom: 6px; display: block;
    }
    .author-card-name {
      font-family: 'Cormorant Garamond', serif;
      font-weight: 400; font-size: 22px;
      color: var(--navy); margin-bottom: 4px;
      line-height: 1.2;
    }
    .author-card-title {
      font-size: 12px; color: var(--mid-gray);
      letter-spacing: 0.04em; margin-bottom: 14px;
    }
    .author-card-bio {
      font-size: 14px; line-height: 1.75;
      color: var(--body-text); opacity: 0.7;
      margin-bottom: 16px;
    }
    .author-card-linkedin {
      display: inline-flex; align-items: center; gap: 8px;
      font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase;
      color: var(--navy); text-decoration: none; opacity: 0.4;
      border-bottom: 1px solid var(--lt-gray); padding-bottom: 3px;
      transition: opacity 0.2s;
    }
    .author-card-linkedin:hover { opacity: 1; }

    /* COMMENT CTA */
    .comment-cta-wrap {
      max-width: 75vw; margin: 0 auto; padding: 48px 60px;
    }
    .comment-cta {
      background: var(--teal-lt);
      border: 1px solid var(--teal);
      border-radius: 8px;
      padding: 40px 48px;
      text-align: center;
    }
    .comment-cta-eyebrow {
      font-size: 10px; letter-spacing: 0.22em; text-transform: uppercase;
      color: var(--navy); margin-bottom: 12px; font-weight: 500;
    }
    .comment-cta-title {
      font-family: 'Cormorant Garamond', serif; font-weight: 400;
      font-size: 28px; line-height: 1.2;
      color: var(--navy); margin-bottom: 16px; letter-spacing: -0.01em;
    }
    .comment-cta-text {
      font-size: 13px; line-height: 1.6;
      color: var(--body-text); opacity: 0.65;
      margin-bottom: 24px; max-width: 480px; margin-left: auto; margin-right: auto;
    }
    .comment-cta-button {
      display: inline-flex; align-items: center; gap: 10px;
      padding: 12px 28px;
      background: var(--sun);
      color: var(--navy);
      text-decoration: none;
      border-radius: 6px;
      font-size: 11px; font-weight: 500; letter-spacing: 0.16em;
      text-transform: uppercase;
      transition: background 0.2s, transform 0.2s;
    }
    .comment-cta-button:hover {
      background: #F0D05A;
      transform: translateY(-1px);
    }
    .comment-cta-button svg {
      transition: transform 0.2s;
    }
    .comment-cta-button:hover svg {
      transform: translateX(2px);
    }

    /* BACK LINK */
    .article-back-wrap {
      max-width: 75vw; margin: 0 auto; padding: 0 60px 32px;
    }
    .article-back {
      display: inline-flex; align-items: center; gap: 10px;
      font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase;
      color: var(--navy); text-decoration: none; opacity: 0.4;
      border-bottom: 1px solid var(--rule); padding-bottom: 4px;
      transition: opacity 0.2s;
    }
    .article-back:hover { opacity: 1; }

    /* FOOTER */
    footer {
      background: var(--navy);
      padding: 56px 60px 44px;
    }
    .footer-top {
      display: flex; align-items: flex-start;
      justify-content: space-between; gap: 40px; margin-bottom: 48px;
    }
    .footer-logo { height: 90px; width: auto; opacity: 0.8; }
    .footer-links { list-style: none; display: flex; gap: 32px; }
    .footer-links a {
      font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase;
      color: #F2D978; text-decoration: none; transition: opacity 0.2s; opacity: 0.8;
    }
    .footer-links a:hover { opacity: 1; }
    .footer-bottom {
      display: flex; align-items: flex-end;
      justify-content: space-between; gap: 32px;
      border-top: 1px solid rgba(255,255,255,0.06); padding-top: 28px;
    }
    .footer-legal {
      font-size: 11px; line-height: 1.7;
      color: rgba(255,255,255,0.5); max-width: 560px;
    }
    .footer-location {
      font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase;
      color: rgba(255,255,255,0.2); white-space: nowrap;
    }

    @media (max-width: 768px) {
      nav { padding: 0 24px; }
      .nav-links { display: none; }
      .page-header { padding: 120px 24px 56px; }
      .articles-wrap { padding: 0 24px 72px; }
      .article-row { grid-template-columns: 1fr; gap: 12px; }
      .article-row-byline { display: none; }
      .article-header { padding: 120px 24px 56px; }
      .article-body-wrap, .author-card-wrap, .article-back-wrap { padding: 0 24px; }
      .article-body { padding: 40px 28px 52px; }
      .author-card { flex-direction: column; gap: 20px; padding: 28px 24px; }
      footer { padding: 48px 24px 36px; }
      .footer-top { flex-direction: column; }
      .footer-bottom { flex-direction: column; align-items: flex-start; }
    }