:root{
      --navy:#0A1628;
      --navy2:#14243d;
      --gold:#C9A84C;
      --gold2:#e3c96d;
      --ink:#152033;
      --muted:#607086;
      --bg:#f4f6f8;
      --panel:#ffffff;
      --line:#dfe5ec;
      --blue:#337bc4;
      --red:#b94d54;
      --green:#258767;
      --amber:#b97822;
      --violet:#6b62b7;
      --shadow:0 18px 42px rgba(10,22,40,.12);
    }
    *{box-sizing:border-box;}
    html{scroll-behavior:smooth;}
    body{margin:0;background:linear-gradient(180deg,#f7f8fa 0%,#edf1f5 45%,#f8f9fb 100%);color:var(--ink);font-family:Verdana,Geneva,sans-serif;line-height:1.65;}
    a{color:inherit;}
    .skip-link{position:absolute;left:-999px;top:10px;background:#fff;color:#111;padding:10px 14px;border-radius:8px;z-index:30;}
    .skip-link:focus{left:10px;}
    header{background:radial-gradient(circle at 80% 18%,rgba(201,168,76,.28),transparent 30%),linear-gradient(135deg,#0A1628 0%,#122846 58%,#eef2f6 58%,#f9fafb 100%);border-bottom:1px solid var(--line);}
    .hero{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1.02fr .98fr;gap:36px;align-items:center;min-height:640px;padding:62px 22px 46px;}
    .eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,.35);color:#f6dd85;padding:7px 12px;border-radius:999px;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;}
    h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(42px,7vw,82px);line-height:.96;color:#fff;margin:18px 0 16px;letter-spacing:.2px;}
    .lead{color:#d7e1eb;font-size:18px;max-width:720px;margin:0;}
    .hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px;}
    .button{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:10px 16px;text-decoration:none;font-size:13px;font-weight:800;border:1px solid rgba(255,255,255,.32);color:#fff;background:rgba(255,255,255,.08);}
    .button.primary{background:var(--gold);border-color:var(--gold);color:#081323;}
    .visual{background:rgba(255,255,255,.86);border:1px solid rgba(255,255,255,.78);border-radius:18px;padding:16px;box-shadow:var(--shadow);}
    .visual img{display:block;width:100%;height:auto;border-radius:12px;border:1px solid rgba(10,22,40,.12);background:#eef1f4;}
    .metric-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:12px;}
    .mini{background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px;text-align:center;}
    .mini b{display:block;color:var(--navy);font-family:Georgia,'Times New Roman',serif;font-size:20px;line-height:1.05;}
    .mini span{display:block;color:var(--muted);font-size:10px;text-transform:uppercase;font-weight:800;letter-spacing:.05em;}
    nav{position:sticky;top:0;z-index:20;background:rgba(244,246,248,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);}
    .toc{max-width:1200px;margin:0 auto;padding:12px 22px;display:flex;gap:8px;overflow-x:auto;}
    .toc a{white-space:nowrap;text-decoration:none;border:1px solid var(--line);background:#fff;color:#263a56;border-radius:999px;padding:8px 12px;font-size:12px;font-weight:800;}
    main{max-width:1200px;margin:0 auto;padding:36px 22px 72px;}
    section{scroll-margin-top:76px;margin-bottom:36px;}
    .section-head{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:start;margin-bottom:18px;}
    .num{width:44px;height:44px;border-radius:14px;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-weight:900;font-family:Georgia,'Times New Roman',serif;font-size:20px;}
    h2{font-family:Georgia,'Times New Roman',serif;font-size:clamp(28px,4vw,44px);line-height:1.08;margin:0;color:#10203a;}
    .section-head p{margin:7px 0 0;color:var(--muted);max-width:850px;}
    h3{margin:0 0 10px;color:#172844;font-size:18px;}
    h4{margin:14px 0 8px;color:#253650;font-size:15px;}
    p{margin:0 0 12px;}
    ul{margin:8px 0 0;padding-left:19px;}
    li{margin:4px 0;}
    .grid{display:grid;grid-template-columns:repeat(12,1fr);gap:16px;}
    .card{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:18px;box-shadow:0 10px 24px rgba(10,22,40,.07);}
    .span-3{grid-column:span 3;}.span-4{grid-column:span 4;}.span-5{grid-column:span 5;}.span-6{grid-column:span 6;}.span-7{grid-column:span 7;}.span-8{grid-column:span 8;}.span-12{grid-column:span 12;}
    .kpi{min-height:112px;display:grid;align-content:center;text-align:center;background:linear-gradient(180deg,#fff,#f8f9fb);}
    .kpi b{font-family:Georgia,'Times New Roman',serif;color:var(--gold);font-size:30px;line-height:1;}
    .kpi span{font-size:12px;color:#354a66;font-weight:800;text-transform:uppercase;letter-spacing:.04em;}
    .kpi small{font-size:11px;color:var(--muted);}
    .dark{background:var(--navy);border-color:#293b58;color:#e9f0f7;}
    .dark h3,.dark h4{color:#fff;}.dark p,.dark li{color:#d9e2ee;}
    .gold{background:#fff8e3;border-color:#ead58f;}
    .risk{background:#fff6f3;border-color:#efc9c0;}
    .opportunity{background:#effbf5;border-color:#c9ead9;}
    .formula{font-family:"Courier New",monospace;background:#f2f5f8;border:1px solid var(--line);border-radius:12px;padding:12px;margin:10px 0;color:#172844;overflow-x:auto;}
    .flow{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:10px;}
    .flow div{border:1px solid var(--line);border-radius:12px;background:#fff;padding:12px;text-align:center;font-size:12px;font-weight:800;}
    .flow b{display:block;color:var(--gold);font-family:Georgia,'Times New Roman',serif;font-size:20px;}
    .table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:14px;background:#fff;box-shadow:0 10px 24px rgba(10,22,40,.06);margin:16px 0;}
    table{width:100%;border-collapse:collapse;min-width:760px;}
    caption{text-align:left;padding:14px 16px;background:#f7f9fb;color:#162640;border-bottom:1px solid var(--line);font-weight:900;}
    th,td{padding:12px 14px;border-bottom:1px solid #edf1f5;text-align:left;vertical-align:top;font-size:13px;}
    th{font-size:12px;text-transform:uppercase;letter-spacing:.04em;color:#506176;background:#fbfcfd;}
    tr:last-child td{border-bottom:none;}
    .bar-list{display:grid;gap:10px;}
    .bar-row{display:grid;grid-template-columns:150px 1fr 92px;gap:10px;align-items:center;font-size:13px;}
    .track{height:12px;border-radius:999px;background:#e9eef4;overflow:hidden;}
    .bar{height:100%;border-radius:999px;background:linear-gradient(90deg,var(--gold),var(--gold2));}
    .calc{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
    .control{display:grid;gap:6px;margin-bottom:12px;}
    label{font-size:12px;font-weight:800;color:#42536a;display:flex;justify-content:space-between;gap:10px;}
    input[type="range"]{width:100%;accent-color:var(--gold);}
    .results{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
    .result{background:#f6f8fa;border:1px solid var(--line);border-radius:12px;padding:12px;}
    .result span{display:block;color:var(--muted);font-size:11px;text-transform:uppercase;font-weight:800;}
    .result b{font-family:"Courier New",monospace;font-size:19px;color:#10203a;}
    footer{border-top:1px solid var(--line);background:#f8f9fb;text-align:center;color:var(--muted);padding:26px 22px;font-size:12px;}
    @media(max-width:900px){.hero{grid-template-columns:1fr;min-height:auto;padding-top:44px}.span-3,.span-4,.span-5,.span-6,.span-7,.span-8{grid-column:span 12}.metric-strip{grid-template-columns:1fr 1fr}.flow{grid-template-columns:1fr 1fr}.calc{grid-template-columns:1fr}.bar-row{grid-template-columns:1fr}}
    @media(max-width:620px){main,.hero,.toc{padding-left:16px;padding-right:16px}.section-head{grid-template-columns:1fr}.metric-strip,.flow,.results{grid-template-columns:1fr}table{min-width:0}thead{display:none}tr{display:block;border-bottom:1px solid var(--line);padding:8px 0}td{display:block;border-bottom:none;padding:7px 12px}td:before{content:attr(data-label);display:block;font-size:10px;color:#66778b;text-transform:uppercase;font-weight:900;letter-spacing:.04em;margin-bottom:2px}}