:root{
  --bg:#f5f7fb;
  --paper:#ffffff;
  --ink:#132238;
  --muted:#627389;
  --line:#d8e1ee;
  --navy:#0f2747;
  --cyan:#17c7df;
  --safety:#ff8a1d;
  --mint:#8df0c8;
  --shadow:0 18px 50px rgba(15,39,71,.10);
  --radius:24px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,sans-serif;background:
linear-gradient(180deg,rgba(23,199,223,.08),transparent 28%),
repeating-linear-gradient(90deg,rgba(15,39,71,.03) 0, rgba(15,39,71,.03) 1px, transparent 1px, transparent 72px),
var(--bg);color:var(--ink);line-height:1.6}
a{color:inherit}
img{max-width:100%}
.container{width:min(1120px,calc(100% - 32px));margin:0 auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(245,247,251,.88);backdrop-filter:blur(18px);border-bottom:1px solid rgba(15,39,71,.08)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:16px 0}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand-mark{width:50px;height:50px;border-radius:16px;display:grid;place-items:center;background:linear-gradient(135deg,var(--navy),#1f4d88);color:#fff;font-weight:900;box-shadow:var(--shadow)}
.brand-copy{display:flex;flex-direction:column;line-height:1.1}
.brand-copy strong{font-size:1.04rem}
.brand-copy span{font-size:.77rem;color:var(--muted);letter-spacing:.12em;text-transform:uppercase}
.nav{display:flex;flex-wrap:wrap;gap:16px;align-items:center}
.nav a{text-decoration:none;font-weight:700;color:#2d425f}
.nav .cta-btn,.btn,.btn-outline{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:13px 18px;border-radius:999px;font-weight:800;letter-spacing:.01em;text-decoration:none;transition:.2s ease}
.cta-btn,.btn{background:linear-gradient(135deg,var(--navy),#1f4d88);color:#fff;box-shadow:var(--shadow)}
.btn-outline{border:1px solid rgba(15,39,71,.16);background:#fff;color:var(--navy)}
.hero{padding:76px 0 44px}
.hero-grid,.split,.footer-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:28px}
.kicker,.eyebrow{display:inline-flex;align-items:center;gap:10px;border:1px solid rgba(15,39,71,.12);padding:8px 14px;border-radius:999px;background:#fff;font-size:.8rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#33506d}
.kicker::before,.eyebrow::before{content:"";width:10px;height:10px;border-radius:50%;background:linear-gradient(135deg,var(--cyan),var(--safety))}
h1,h2,h3{line-height:1.06;margin:0 0 12px}
h1{font-size:clamp(2.5rem,6vw,4.9rem);max-width:14ch;letter-spacing:-.04em}
h2{font-size:clamp(1.9rem,3.2vw,3rem);letter-spacing:-.03em}
h3{font-size:1.2rem}
.lead,.section-intro{font-size:1.1rem;color:#415772;max-width:67ch}
.hero-actions,.button-row{display:flex;flex-wrap:wrap;gap:14px;margin:26px 0}
.signal-grid,.grid-3,.grid-4,.articles-grid,.faq-grid{display:grid;gap:18px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.articles-grid{grid-template-columns:repeat(3,1fr)}
.signal-grid{grid-template-columns:repeat(2,1fr);margin-top:22px}
.card,.signal,.panel,.article-card,.faq-card,.notice,.hero-card,.metric,.table-card{background:rgba(255,255,255,.86);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.hero-card,.panel,.notice{padding:22px}
.card,.signal,.metric,.article-card,.faq-card,.table-card{padding:20px}
.hero-card{position:relative;overflow:hidden}
.hero-card::after{content:"";position:absolute;inset:auto -50px -50px auto;width:180px;height:180px;background:radial-gradient(circle,var(--cyan),transparent 68%);opacity:.2}
.section{padding:26px 0 52px}
.section-head{display:flex;justify-content:space-between;gap:20px;align-items:end;margin-bottom:22px}
.metric .num{font-size:.78rem;font-weight:900;color:var(--safety);letter-spacing:.16em;text-transform:uppercase}
.band{padding:8px 0 24px}
.band-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.band-grid .chip{padding:18px;border-radius:22px;background:linear-gradient(180deg,#fff,#f8fbff);border:1px solid var(--line);box-shadow:var(--shadow)}
.table-like .row{display:grid;grid-template-columns:180px 1fr;gap:18px;padding:14px 0;border-top:1px solid var(--line)}
.table-like .row:first-child{border-top:0;padding-top:0}
.list-clean,.checks{margin:0;padding-left:18px}
.quote{font-size:1.28rem;font-weight:700;letter-spacing:-.02em}
.note{color:var(--muted);font-size:.95rem}
.site-footer{padding:26px 0 40px;border-top:1px solid rgba(15,39,71,.08)}
.footer-grid{align-items:start}
.footer-links{display:flex;flex-wrap:wrap;gap:12px 16px}
.small{font-size:.92rem;color:var(--muted)}
.article-card .meta{display:flex;gap:10px;flex-wrap:wrap;font-size:.78rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#45607a;margin-bottom:10px}
.pill-link{text-decoration:none;font-weight:800;color:var(--navy)}
.faq-grid{grid-template-columns:repeat(2,1fr)}
.notice strong{display:block;margin-bottom:8px}
.skip-link{position:absolute;left:-999px}
.skip-link:focus{left:12px;top:12px;background:#fff;padding:10px 12px;border-radius:10px;z-index:1000}
@media (max-width: 980px){
  .hero-grid,.split,.footer-grid,.grid-3,.grid-4,.articles-grid,.faq-grid,.band-grid{grid-template-columns:1fr}
  .signal-grid{grid-template-columns:1fr}
  .table-like .row{grid-template-columns:1fr}
  h1{max-width:none}
}