@font-face{font-family:"Inter";src:url("../fonts/Inter-var.woff2") format("woff2");font-weight:100 900;font-display:swap}
:root{--navy:#0F172A;--slate:#1E293B;--slate2:#334155;--muted:#64748B;--grey:#94A3B8;--line:#E2E8F0;--bg:#F8FAFC;--soft:#F1F5F9;--red:#B91C1C;--red2:#DC2626;--redsoft:#FEF2F2;--green:#15803D;--greensoft:#DCFCE7;--amber:#B45309;--ambersoft:#FEF3C7;--radius:14px;--shadow:0 4px 14px rgba(15,23,42,.07);--max:1180px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--navy);background:#fff;line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--red)}
h1,h2,h3,h4{line-height:1.2;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.4rem);font-weight:800}
h2{font-size:clamp(1.55rem,3vw,2.2rem);font-weight:750}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}.skip:focus{left:8px}
/* header */
.site-header{background:var(--navy);position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(255,255,255,.06)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:70px}
.logo img{height:38px;width:auto}
.nav{display:flex;align-items:center;gap:26px}
.nav a{color:#E2E8F0;text-decoration:none;font-size:.78rem;font-weight:650;letter-spacing:.06em;text-transform:uppercase}
.nav a:hover,.nav a[aria-current=page]{color:#fff;box-shadow:0 2px 0 var(--red2)}
.nav a.btn{box-shadow:none}
.menu-btn{display:none;background:none;border:1px solid #334155;color:#fff;border-radius:8px;padding:8px 10px;font:inherit;font-size:.85rem}
@media(max-width:1020px){.menu-btn{display:block}.nav{display:none;position:absolute;top:70px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:flex-start;padding:16px 22px 22px;gap:16px}.nav.open{display:flex}}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5em;background:var(--red);color:#fff!important;border:1px solid var(--red);padding:.72em 1.3em;border-radius:8px;font-weight:700;font-size:.85rem;letter-spacing:.04em;text-transform:uppercase;text-decoration:none;cursor:pointer;font-family:inherit;transition:background .15s}
.btn:hover{background:var(--red2)}
.btn.ghost{background:transparent;border-color:#CBD5E1;color:#fff!important}
.btn.ghost:hover{background:rgba(255,255,255,.08)}
.btn.light{background:#fff;color:var(--navy)!important;border-color:var(--line)}
.btn.light:hover{background:var(--soft)}
.btn.small{padding:.5em .9em;font-size:.75rem}
.btn:disabled{opacity:.45;cursor:not-allowed}
/* hero */
.hero{position:relative;color:#fff;background:var(--navy) center/cover no-repeat;padding:110px 0 100px;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(15,23,42,.94) 0%,rgba(15,23,42,.82) 45%,rgba(15,23,42,.55) 100%)}
.hero .wrap{position:relative}
.hero p.lead{font-size:1.2rem;color:#CBD5E1;max-width:640px}
.hero .accent{color:var(--red2)}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.hero.small{padding:80px 0 64px}
.eyebrow{display:inline-block;color:var(--red);font-weight:750;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:.6em}
.hero .eyebrow{color:#F87171}
.pill{display:inline-block;background:var(--redsoft);color:var(--red);font-weight:700;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;padding:.3em .8em;border-radius:99px}
/* sections */
section{padding:80px 0}
section.alt{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
section.dark{background:var(--navy);color:#fff}
section.dark p{color:#CBD5E1}
.center{text-align:center}
.sub{color:var(--muted);max-width:720px;font-size:1.05rem}
.center .sub{margin-left:auto;margin-right:auto}
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}section{padding:56px 0}.hero{padding:72px 0 64px}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.card.soft{background:var(--bg);box-shadow:none}
.stat{font-size:2.1rem;font-weight:800;color:var(--red)}
.stat small{font-size:.85rem;color:var(--muted);font-weight:500;margin-left:.4em}
.source{font-size:.78rem;color:var(--muted);margin-top:auto}
.card.flex{display:flex;flex-direction:column}
.icon{width:44px;height:44px;border-radius:10px;background:var(--redsoft);color:var(--red);display:grid;place-items:center;margin-bottom:16px}
.icon svg{width:22px;height:22px}
.risk{border-left:5px solid var(--navy);background:#fff;border-radius:0 var(--radius) var(--radius) 0;box-shadow:var(--shadow);padding:26px 28px;margin-bottom:22px}
.risk h3{margin-bottom:.15em}
.derails{font-size:.75rem;font-weight:700;letter-spacing:.06em;color:var(--muted);text-transform:uppercase;margin-bottom:14px}
.risk .cols{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.risk .fail{background:var(--redsoft);border-radius:10px;padding:14px 16px;color:#7F1D1D}
.risk h4{font-size:.85rem;color:var(--red);margin-bottom:.3em}
.risk .fail h4{color:#7F1D1D}
@media(max-width:700px){.risk .cols{grid-template-columns:1fr}}
table.data{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);font-size:.95rem}
table.data th{background:var(--slate);color:#fff;text-align:left;padding:14px 16px;font-size:.75rem;letter-spacing:.08em;text-transform:uppercase}
table.data td{padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}
.table-scroll{overflow-x:auto}
.mult{color:var(--red);font-weight:750}
.check-group{margin-bottom:34px}
.check-group h3{border-bottom:2px solid var(--red);padding-bottom:8px;display:inline-block}
.qa{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin-bottom:12px}
.qa .q{font-weight:650}
.qa .why{color:var(--slate2);font-size:.93rem;margin-top:6px}
.qa .why b{color:var(--red);font-size:.75rem;letter-spacing:.08em}
.steps4{counter-reset:s}
.step{position:relative;padding-top:8px}
.step .num{font-size:2.6rem;font-weight:800;color:var(--red);line-height:1}
.case{display:grid;grid-template-columns:320px 1fr;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);margin-bottom:34px;background:#fff}
.case .left{background:var(--slate);color:#fff;padding:32px;display:flex;flex-direction:column;justify-content:center}
.case .left .tag{font-size:.75rem;letter-spacing:.1em;color:#F87171;font-weight:700}
.case .left .big{font-size:2.8rem;font-weight:800;margin-top:12px}
.case .left p{color:#CBD5E1;margin:0}
.case .right{padding:32px}
.case .chips span{display:inline-block;background:var(--soft);border-radius:99px;padding:.25em .8em;font-size:.78rem;margin:4px 6px 0 0;color:var(--slate2)}
@media(max-width:800px){.case{grid-template-columns:1fr}}
.band{background:linear-gradient(120deg,var(--navy),var(--slate));color:#fff;border-radius:18px;padding:44px;display:grid;grid-template-columns:1.4fr 1fr;gap:30px;align-items:center}
.band p{color:#CBD5E1}
@media(max-width:800px){.band{grid-template-columns:1fr;padding:30px}}
.placeholder-note{font-size:.75rem;color:var(--muted);font-style:italic}
/* forms */
form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:600px){form .row{grid-template-columns:1fr}}
label{display:block;font-size:.85rem;font-weight:600;margin-bottom:12px}
input[type=text],input[type=email],textarea,select{width:100%;margin-top:5px;padding:.7em .85em;border:1px solid #CBD5E1;border-radius:8px;font:inherit;font-size:.95rem;background:#fff;color:var(--navy)}
input:focus,textarea:focus,select:focus,button:focus-visible{outline:3px solid rgba(220,38,38,.25);outline-offset:1px;border-color:var(--red2)}
.hp{position:absolute;left:-5000px}
.fine{font-size:.8rem;color:var(--muted)}
/* footer */
.site-footer{background:var(--navy);color:#94A3B8;padding:56px 0 30px;font-size:.92rem}
.site-footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px}
.site-footer h4{color:#fff;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase}
.site-footer a{color:#CBD5E1;text-decoration:none}.site-footer a:hover{color:#fff}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:6px}
.site-footer .copy{border-top:1px solid #1E293B;margin-top:36px;padding-top:20px;font-size:.8rem}
@media(max-width:800px){.site-footer .cols{grid-template-columns:1fr 1fr}}
/* tabs (guide page) */
.tabs{display:flex;gap:8px;border-bottom:1px solid var(--line);margin-bottom:34px;flex-wrap:wrap}
.tabs button{background:none;border:0;border-bottom:3px solid transparent;padding:12px 16px;font:inherit;font-weight:700;color:var(--muted);cursor:pointer}
.tabs button[aria-selected=true]{color:var(--navy);border-color:var(--red)}
.dimlist{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px}
.dimcard{border:1px solid var(--line);border-radius:12px;padding:18px;background:#fff}
.dimcard .w{float:right;font-weight:800;color:var(--red)}
.dimcard h4{margin:0 0 .4em;font-size:1rem}
.dimcard p{font-size:.9rem;color:var(--slate2);margin:0}
.tierrow{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:800px){.tierrow{grid-template-columns:1fr}}
.tier{border-radius:12px;padding:18px;border:1px solid}
.tier.pref{background:var(--greensoft);border-color:#86EFAC}.tier.cond{background:var(--ambersoft);border-color:#FCD34D}.tier.nr{background:var(--redsoft);border-color:#FCA5A5}
.tier b{display:block;margin-bottom:4px}
/* v2 additions */
.markets{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.markets div{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px}
.markets b{display:block;font-size:.95rem}
.markets span{font-size:.78rem;color:var(--muted)}
@media(max-width:640px){.markets{grid-template-columns:1fr 1fr}}
ul.ticks{list-style:none;padding:0;margin:0}
ul.ticks li{padding:6px 0 6px 26px;position:relative;border-bottom:1px solid var(--line)}
ul.ticks li:last-child{border-bottom:0}
ul.ticks li:before{content:"✓";position:absolute;left:2px;color:var(--red);font-weight:800}