:root{--ink:#0b1220;--text:#172033;--muted:#5b667a;--blue:#0f6fff;--green:#14b87a;--soft:#f4f7fb;--line:#dbe5f0}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.7;background:#fff}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:1060px;margin:auto;padding:0 22px}
.top{background:var(--ink);color:#fff}.top .wrap{display:flex;justify-content:space-between;align-items:center;gap:18px;padding-top:16px;padding-bottom:16px}.top a{color:#fff;font-weight:800}
.nav{display:flex;gap:16px;flex-wrap:wrap}.nav a{font-size:14px}.hero{background:linear-gradient(135deg,#07111f,#0d1b2f 58%,#0a2448);color:#fff;padding:78px 0 64px}
.eyebrow{font-size:13px;font-weight:900;letter-spacing:.08em;text-transform:uppercase;color:#65a4ff}.hero .eyebrow{color:#9bc4ff}
h1{font-size:clamp(38px,6vw,68px);line-height:1.02;letter-spacing:-2px;margin:12px 0 18px}.hero p{max-width:800px;color:#d7e2f4;font-size:20px}
.section{padding:64px 0}.section.soft{background:var(--soft)}h2{font-size:clamp(28px,4vw,42px);line-height:1.1;letter-spacing:-1px;margin:10px 0 18px}
h3{font-size:20px;margin:0 0 8px}.lead{font-size:19px;color:var(--muted);max-width:840px}.grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:26px}
.card{border:1px solid var(--line);border-radius:18px;padding:22px;background:#fff}.card strong.metric{display:block;font-size:30px;color:var(--ink);line-height:1.1;margin-bottom:8px}
.callout{border-left:4px solid var(--blue);background:#eef5ff;padding:20px 22px;border-radius:12px;margin:24px 0}.note{font-size:14px;color:var(--muted)}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:16px;margin-top:24px}table{border-collapse:collapse;width:100%;min-width:720px}th,td{text-align:left;padding:13px 15px;border-bottom:1px solid var(--line)}th{background:#eef5ff}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.btn{display:inline-block;padding:13px 18px;border-radius:12px;font-weight:900;background:var(--blue);color:#fff}.btn.alt{background:#fff;color:var(--ink);border:1px solid var(--line)}
.disclosure{background:#fff8df;border:1px solid #ead997;padding:16px 18px;border-radius:14px}.footer{background:#07111f;color:#cbd7e6;padding:34px 0}.footer a{color:#fff}
.article p,.article li{font-size:17px}.article h2{margin-top:42px}.article h3{margin-top:28px}.breadcrumbs{font-size:14px;margin-bottom:16px}.breadcrumbs a{color:#9bc4ff}
.tag{display:inline-block;border:1px solid var(--line);border-radius:999px;padding:6px 10px;font-size:13px;margin:4px}.source{font-size:14px;color:var(--muted);padding:14px 0}
@media(max-width:760px){.grid{grid-template-columns:1fr}.top .wrap{align-items:flex-start;flex-direction:column}.hero{padding:54px 0}h1{letter-spacing:-1px}.nav{gap:10px}}