*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --color-bg:         #F7F8FA;
  --color-surface:    #FFFFFF;
  --color-border:     #E0E5EC;
  --color-navy:       #1A2332;
  --color-navy-mid:   #243040;
  --color-accent:     #2E5090;
  --color-accent-lt:  #3D6AB5;
  --color-text:       #2C3A4A;
  --color-muted:      #6B7A8D;
  --color-light-text: #94A3B8;
  --color-bar1:       #2E5090;
  --color-bar2:       #4A7BC4;
  --color-bar3:       #7AABD6;
  --color-bar4:       #B0CDE8;

  --font-main: 'Inter', system-ui, -apple-system, sans-serif;
  --radius: 6px;
  --radius-lg: 12px;
  --shadow-sm: 0 1px 4px rgba(26,35,50,0.07);
  --shadow-md: 0 4px 16px rgba(26,35,50,0.10);
  --shadow-lg: 0 8px 32px rgba(26,35,50,0.13);
  --max-w: 1160px;
  --header-h: 72px;
  --transition: 0.22s ease;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-main);
  background: var(--color-bg);
  color: var(--color-text);
  line-height: 1.65;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  -webkit-font-smoothing: antialiased;
}

main { flex: 1; }

img { max-width: 100%; height: auto; display: block; }
a { color: var(--color-accent); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--color-accent-lt); }
h1, h2, h3, h4, h5 {
  font-family: var(--font-main);
  color: var(--color-navy);
  line-height: 1.22;
  letter-spacing: -0.02em;
}
h1 { font-size: clamp(2rem, 4.5vw, 3.2rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 700; }
h3 { font-size: clamp(1.15rem, 2vw, 1.45rem); font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; }
p  { color: var(--color-muted); line-height: 1.75; }
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section--sm { padding: 52px 0; }
.section--lg { padding: 100px 0; }
.section--dark { background: var(--color-navy); }
.section--alt  { background: var(--color-surface); }
.alloc-bar {
  display: flex;
  height: 5px;
  width: 100%;
  overflow: hidden;
}
.alloc-bar span { display: block; height: 100%; }
.alloc-bar span:nth-child(1) { width: 38%; background: var(--color-bar1); }
.alloc-bar span:nth-child(2) { width: 25%; background: var(--color-bar2); }
.alloc-bar span:nth-child(3) { width: 22%; background: var(--color-bar3); }
.alloc-bar span:nth-child(4) { width: 15%; background: var(--color-bar4); }
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  height: var(--header-h);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.brand-logo {
  width: 36px;
  height: 36px;
  object-fit: contain;
  border-radius: var(--radius);
}

.brand-logo-placeholder {
  width: 36px;
  height: 36px;
  background: var(--color-accent);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.brand-logo-placeholder svg {
  color: #fff;
}

.brand-name {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-navy);
  letter-spacing: -0.03em;
}

.brand-name span { color: var(--color-accent); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}

.nav-links a {
  display: block;
  padding: 6px 14px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-text);
  border-radius: var(--radius);
  transition: background var(--transition), color var(--transition);
}

.nav-links a:hover,
.nav-links a.active {
  background: var(--color-bg);
  color: var(--color-accent);
}
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  color: var(--color-navy);
  border-radius: var(--radius);
  transition: background var(--transition);
}
.nav-toggle:hover { background: var(--color-bg); }
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 999;
  background: var(--color-surface);
  flex-direction: column;
  padding: 80px 24px 40px;
  gap: 0;
  overflow-y: auto;
}

.mobile-nav.open { display: flex; }

.mobile-nav-close {
  position: absolute;
  top: 18px;
  right: 18px;
  background: none;
  border: none;
  cursor: pointer;
  color: var(--color-navy);
  padding: 8px;
  border-radius: var(--radius);
}

.mobile-nav ul { list-style: none; }

.mobile-nav ul li a {
  display: block;
  padding: 16px 0;
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--color-text);
  border-bottom: 1px solid var(--color-border);
  transition: color var(--transition);
}

.mobile-nav ul li a:hover { color: var(--color-accent); }
.hero {
  background: var(--color-navy);
  position: relative;
  overflow: hidden;
  padding: 100px 0 80px;
}

.hero::before {
  content: '';
  position: absolute;
  top: -120px;
  right: -120px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(46,80,144,0.35) 0%, transparent 70%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-bar3);
  margin-bottom: 20px;
}

.hero-eyebrow::before {
  content: '';
  display: block;
  width: 24px;
  height: 2px;
  background: var(--color-bar3);
}

.hero h1 { color: #FFFFFF; margin-bottom: 20px; }
.hero p  { color: #94A3B8; font-size: 1.05rem; margin-bottom: 36px; max-width: 480px; }

.hero-img {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4/3;
}

.hero-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius);
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  border: 2px solid transparent;
  text-decoration: none;
  line-height: 1;
}

.btn-primary {
  background: var(--color-accent);
  color: #fff;
  border-color: var(--color-accent);
}
.btn-primary:hover {
  background: var(--color-accent-lt);
  border-color: var(--color-accent-lt);
  color: #fff;
}

.btn-outline {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.35);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.6);
  color: #fff;
}

.btn-outline-dark {
  background: transparent;
  color: var(--color-accent);
  border-color: var(--color-accent);
}
.btn-outline-dark:hover {
  background: var(--color-accent);
  color: #fff;
}

.btn-group { display: flex; gap: 12px; flex-wrap: wrap; }
.card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: box-shadow var(--transition), transform var(--transition);
}

.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.card-icon {
  width: 48px;
  height: 48px;
  background: rgba(46,80,144,0.08);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  margin-bottom: 20px;
}

.card h3 { margin-bottom: 10px; }
.card p  { font-size: 0.925rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.section-label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: 12px;
  display: block;
}

.section-header { margin-bottom: 52px; }
.section-header h2 { margin-bottom: 14px; }
.section-header p { max-width: 580px; font-size: 1.02rem; }
.section-header.centered { text-align: center; }
.section-header.centered p { margin: 0 auto; }
.page-hero {
  background: var(--color-navy);
  padding: 70px 0;
  border-bottom: 3px solid var(--color-accent);
}

.page-hero .alloc-bar { margin-bottom: 28px; }
.page-hero h1 { color: #fff; margin-bottom: 16px; }
.page-hero p  { color: #94A3B8; max-width: 620px; font-size: 1.05rem; }
.stat-block {
  padding: 28px;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  text-align: center;
}

.stat-number {
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--color-navy);
  letter-spacing: -0.04em;
  line-height: 1;
  margin-bottom: 6px;
}

.stat-label {
  font-size: 0.85rem;
  color: var(--color-muted);
  font-weight: 500;
}
.insight-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  padding: 52px 0;
  border-bottom: 1px solid var(--color-border);
}

.insight-row:last-child { border-bottom: none; }
.insight-row.reverse { direction: rtl; }
.insight-row.reverse > * { direction: ltr; }

.insight-img {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.insight-img img { width: 100%; aspect-ratio: 16/10; object-fit: cover; }

.insight-content .tag {
  display: inline-block;
  background: rgba(46,80,144,0.08);
  color: var(--color-accent);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 4px;
  margin-bottom: 16px;
}

.insight-content h3 { margin-bottom: 12px; }
.insight-content p  { margin-bottom: 20px; }
.data-table-wrap { overflow-x: auto; border-radius: var(--radius-lg); border: 1px solid var(--color-border); }

.data-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--color-surface);
  font-size: 0.9rem;
}

.data-table th {
  background: var(--color-navy);
  color: #fff;
  padding: 14px 20px;
  text-align: left;
  font-weight: 600;
  font-size: 0.82rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.data-table td {
  padding: 14px 20px;
  border-bottom: 1px solid var(--color-border);
  color: var(--color-text);
}

.data-table tr:last-child td { border-bottom: none; }
.data-table tr:hover td { background: var(--color-bg); }

.data-table .positive { color: #16a34a; font-weight: 600; }
.data-table .negative { color: #dc2626; font-weight: 600; }
.data-table .neutral  { color: var(--color-muted); }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 64px;
  align-items: start;
}

.contact-info-block {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.contact-info-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.contact-info-icon {
  width: 44px;
  height: 44px;
  background: rgba(46,80,144,0.08);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  flex-shrink: 0;
}

.contact-info-item h4 { margin-bottom: 4px; font-size: 0.9rem; }
.contact-info-item p  { font-size: 0.9rem; }

.form-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-sm);
}

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 20px; }

.form-group label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-text);
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 11px 14px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  font-family: var(--font-main);
  font-size: 0.9rem;
  color: var(--color-text);
  background: var(--color-bg);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  resize: vertical;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(46,80,144,0.12);
  background: #fff;
}

.form-group textarea { min-height: 130px; }

.form-notice {
  font-size: 0.8rem;
  color: var(--color-muted);
  margin-bottom: 20px;
}

.form-success {
  display: none;
  padding: 20px;
  background: rgba(22,163,74,0.08);
  border: 1px solid rgba(22,163,74,0.25);
  border-radius: var(--radius);
  color: #15803d;
  font-size: 0.9rem;
  text-align: center;
  margin-top: 16px;
}
.breadcrumb {
  display: flex;
  gap: 6px;
  align-items: center;
  font-size: 0.82rem;
  color: var(--color-muted);
  margin-bottom: 8px;
}

.breadcrumb a { color: var(--color-light-text); }
.breadcrumb a:hover { color: var(--color-accent); }
.breadcrumb .sep { color: var(--color-border); }
.prose { max-width: 800px; }
.prose h2 { margin-top: 44px; margin-bottom: 14px; font-size: 1.4rem; }
.prose h3 { margin-top: 28px; margin-bottom: 10px; font-size: 1.1rem; }
.prose p  { margin-bottom: 18px; }
.prose ul { margin: 0 0 18px 24px; }
.prose ul li { color: var(--color-muted); margin-bottom: 8px; font-size: 0.95rem; }
.prose a  { text-decoration: underline; }
.site-footer {
  background: var(--color-navy);
  color: #94A3B8;
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand .brand-name { color: #fff; font-size: 1.2rem; }
.footer-brand p { margin-top: 14px; font-size: 0.87rem; line-height: 1.7; max-width: 260px; color: #94A3B8; }

.footer-col h5 {
  color: #fff;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 18px;
}

.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a { font-size: 0.875rem; color: #94A3B8; transition: color var(--transition); }
.footer-col ul a:hover { color: #fff; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 22px 0;
  font-size: 0.82rem;
  color: #64748B;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { color: #64748B; }
.footer-bottom-links a:hover { color: #fff; }
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background: var(--color-navy);
  border-top: 3px solid var(--color-accent);
  padding: 20px 24px;
  box-shadow: 0 -4px 24px rgba(0,0,0,0.18);
  transform: translateY(100%);
  transition: transform 0.4s cubic-bezier(0.22,1,0.36,1);
}

.cookie-banner.visible { transform: translateY(0); }

.cookie-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: flex;
  gap: 28px;
  align-items: center;
  flex-wrap: wrap;
}

.cookie-text { flex: 1; min-width: 280px; }
.cookie-text p { color: #94A3B8; font-size: 0.875rem; margin: 0; }
.cookie-text a { color: var(--color-bar3); }

.cookie-actions { display: flex; gap: 10px; flex-shrink: 0; flex-wrap: wrap; }

.cookie-btn {
  padding: 10px 20px;
  border-radius: var(--radius);
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
}

.cookie-btn-accept {
  background: var(--color-accent);
  color: #fff;
  border-color: var(--color-accent);
}
.cookie-btn-accept:hover { background: var(--color-accent-lt); border-color: var(--color-accent-lt); }

.cookie-btn-decline {
  background: transparent;
  color: #94A3B8;
  border-color: rgba(255,255,255,0.2);
}
.cookie-btn-decline:hover { border-color: rgba(255,255,255,0.5); color: #fff; }
.text-accent  { color: var(--color-accent); }
.text-muted   { color: var(--color-muted); }
.text-white   { color: #fff; }
.mt-4  { margin-top: 16px; }
.mt-8  { margin-top: 32px; }
.mb-4  { margin-bottom: 16px; }
.mb-8  { margin-bottom: 32px; }

.disclaimer-box {
  background: rgba(46,80,144,0.06);
  border-left: 4px solid var(--color-accent);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 18px 22px;
  margin-top: 40px;
}
.disclaimer-box p { font-size: 0.85rem; color: var(--color-muted); margin: 0; }
@media (max-width: 960px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-img { display: none; }
  .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .insight-row { grid-template-columns: 1fr; gap: 28px; }
  .insight-row.reverse { direction: ltr; }
}

@media (max-width: 720px) {
  :root { --header-h: 62px; }
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .form-row { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
  .hero { padding: 64px 0 56px; }
  .page-hero { padding: 50px 0; }
  .btn-group { flex-direction: column; align-items: flex-start; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-bottom-links { flex-wrap: wrap; justify-content: center; }
}

@media (max-width: 480px) {
  .form-card { padding: 24px; }
  .card { padding: 22px; }
  .data-table th, .data-table td { padding: 10px 14px; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: 0.01ms !important; animation-duration: 0.01ms !important; }
}