*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#f0f4f8;
  --bg2:#ffffff;
  --bg3:#e8edf5;
  --bg-dark:#0a1628;
  --bg-dark2:#0f1f3d;
  --border:#d1dbe8;
  --border2:#b8c8dd;
  --text:#0a1628;
  --muted:#4a6080;
  --muted2:#6b84a0;
  --accent:#1e40af;
  --accent2:#3b82f6;
  --accent-light:#dbeafe;
  --gold:#d4a017;
  --gold-light:#fef3c7;
  --white:#ffffff;
  --shadow:0 1px 4px rgba(10,22,40,0.08),0 4px 16px rgba(10,22,40,0.06);
  --shadow-lg:0 4px 8px rgba(10,22,40,0.1),0 16px 48px rgba(10,22,40,0.12);
}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{background:var(--bg);color:var(--text);font-family:'Inter',sans-serif;font-size:15px;line-height:1.65;overflow-x:hidden}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:200;height:64px;display:flex;align-items:center;justify-content:space-between;padding:0 52px;background:var(--bg-dark);border-bottom:1px solid rgba(255,255,255,0.08);transition:background .3s}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;flex-shrink:0}
.logo-mark svg{width:32px;height:32px}
.logo-name{font-family:'Georgia',serif;font-weight:700;font-size:17px;color:#fff;letter-spacing:0.3px}
.logo-name span{color:var(--gold)}
.nav-center{display:flex;align-items:center;gap:2px}
.nav-center a{color:rgba(255,255,255,0.65);text-decoration:none;font-size:13.5px;font-weight:500;padding:7px 14px;border-radius:6px;transition:color .2s,background .2s}
.nav-center a:hover{color:#fff;background:rgba(255,255,255,0.07)}
.nav-center a.active{color:#fff}
.nav-right{display:flex;align-items:center;gap:10px}
.btn-nav-ghost{color:rgba(255,255,255,0.65);text-decoration:none;font-size:13.5px;font-weight:500;padding:7px 16px;border-radius:6px;border:1px solid rgba(255,255,255,0.2);transition:all .2s}
.btn-nav-ghost:hover{color:#fff;border-color:rgba(255,255,255,0.4)}
.btn-nav-cta{background:var(--gold);color:var(--bg-dark);text-decoration:none;font-size:13.5px;font-weight:700;padding:8px 20px;border-radius:6px;border:none;cursor:pointer;transition:opacity .2s,transform .15s;letter-spacing:0.2px}
.btn-nav-cta:hover{opacity:.9;transform:translateY(-1px)}
.nav-x-link{color:rgba(255,255,255,0.5);text-decoration:none;font-size:13px;display:inline-flex;align-items:center;gap:5px;padding:6px 10px;border-radius:6px;border:1px solid rgba(255,255,255,0.15);transition:all .2s}
.nav-x-link:hover{color:#fff;border-color:rgba(255,255,255,0.35)}

/* BUTTONS */
.btn-primary{display:inline-flex;align-items:center;gap:8px;background:var(--accent);color:#fff;text-decoration:none;font-weight:600;font-size:14px;padding:13px 28px;border-radius:6px;border:none;cursor:pointer;transition:all .2s;box-shadow:0 2px 8px rgba(30,64,175,0.3)}
.btn-primary:hover{background:#1e3a8a;transform:translateY(-1px)}
.btn-gold{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:var(--bg-dark);text-decoration:none;font-weight:700;font-size:14px;padding:13px 28px;border-radius:6px;border:none;cursor:pointer;transition:all .2s}
.btn-gold:hover{opacity:.9;transform:translateY(-1px)}
.btn-ghost{display:inline-flex;align-items:center;gap:8px;background:transparent;color:var(--text);text-decoration:none;font-weight:500;font-size:14px;padding:13px 28px;border-radius:6px;border:1.5px solid var(--border2);cursor:pointer;transition:all .2s}
.btn-ghost:hover{border-color:var(--accent);color:var(--accent)}
.btn-ghost-light{display:inline-flex;align-items:center;gap:8px;background:transparent;color:#fff;text-decoration:none;font-weight:500;font-size:14px;padding:13px 28px;border-radius:6px;border:1.5px solid rgba(255,255,255,0.3);cursor:pointer;transition:all .2s}
.btn-ghost-light:hover{border-color:#fff;background:rgba(255,255,255,0.08)}

/* TYPE */
.label{display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--accent);margin-bottom:16px}
.label-gold{display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.h1{font-family:'Georgia',serif;font-weight:700;font-size:clamp(36px,4.5vw,58px);line-height:1.12;letter-spacing:-0.5px;color:var(--text);margin-bottom:20px}
.h1-light{font-family:'Georgia',serif;font-weight:700;font-size:clamp(36px,4.5vw,58px);line-height:1.12;letter-spacing:-0.5px;color:#fff;margin-bottom:20px}
.h2{font-family:'Georgia',serif;font-weight:700;font-size:clamp(24px,3vw,38px);line-height:1.2;letter-spacing:-0.3px;color:var(--text);margin-bottom:16px}
.h2-light{font-family:'Georgia',serif;font-weight:700;font-size:clamp(24px,3vw,38px);line-height:1.2;color:#fff;margin-bottom:16px}
.h3{font-family:'Georgia',serif;font-weight:700;font-size:19px;color:var(--text);margin-bottom:10px}
.lead{color:var(--muted);font-size:16px;line-height:1.8}
.lead-light{color:rgba(255,255,255,0.7);font-size:16px;line-height:1.8}
.body-text{color:var(--muted);font-size:15px;line-height:1.82}

/* LAYOUT */
.container{max-width:1180px;margin:0 auto;padding:0 52px}
.section{padding:88px 0}
.section-dark{padding:88px 0;background:var(--bg-dark)}
.section-mid{padding:88px 0;background:var(--bg-dark2)}

/* CARDS */
.card{background:var(--white);border:1px solid var(--border);border-radius:8px;padding:28px;box-shadow:var(--shadow);transition:all .2s}
.card:hover{box-shadow:var(--shadow-lg);transform:translateY(-2px)}
.card-dark{background:rgba(255,255,255,0.05);border:1px solid rgba(255,255,255,0.1);border-radius:8px;padding:28px;transition:all .2s}
.card-dark:hover{background:rgba(255,255,255,0.08);border-color:rgba(255,255,255,0.2)}

/* TABLE */
.data-table{width:100%;border-collapse:collapse;background:var(--white);border-radius:8px;overflow:hidden;box-shadow:var(--shadow)}
.data-table thead tr{background:var(--bg-dark);color:#fff}
.data-table th{padding:14px 20px;text-align:left;font-size:11px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:rgba(255,255,255,0.7)}
.data-table td{padding:13px 20px;border-bottom:1px solid var(--bg3);font-size:14px;color:var(--muted);vertical-align:middle}
.data-table tr:last-child td{border-bottom:none}
.data-table tr:hover td{background:var(--bg);color:var(--text)}
.badge-up{display:inline-flex;align-items:center;gap:4px;background:#dcfce7;color:#166534;font-size:12px;font-weight:600;padding:3px 9px;border-radius:4px}
.badge-down{display:inline-flex;align-items:center;gap:4px;background:#fee2e2;color:#991b1b;font-size:12px;font-weight:600;padding:3px 9px;border-radius:4px}
.badge-neutral{display:inline-flex;align-items:center;gap:4px;background:var(--bg3);color:var(--muted);font-size:12px;font-weight:600;padding:3px 9px;border-radius:4px}

/* FORM */
.form-field{margin-bottom:16px}
.form-field label{display:block;font-size:12px;font-weight:600;color:var(--muted);margin-bottom:6px;letter-spacing:0.3px}
.form-field input,.form-field textarea,.form-field select{width:100%;background:var(--bg);border:1.5px solid var(--border);border-radius:6px;padding:11px 14px;color:var(--text);font-family:'Inter',sans-serif;font-size:14px;outline:none;transition:border-color .2s,box-shadow .2s;appearance:none}
.form-field input:focus,.form-field textarea:focus,.form-field select:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(30,64,175,0.1)}
.form-field textarea{resize:vertical;min-height:100px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.btn-submit{width:100%;padding:13px;border-radius:6px;background:var(--accent);color:#fff;border:none;font-family:'Inter',sans-serif;font-size:14px;font-weight:600;cursor:pointer;transition:all .2s;margin-top:4px;box-shadow:0 2px 8px rgba(30,64,175,0.25)}
.btn-submit:hover{background:#1e3a8a;transform:translateY(-1px)}

/* FOOTER */
footer{background:var(--bg-dark);padding:56px 52px 36px;border-top:1px solid rgba(255,255,255,0.08)}
.footer-top{display:grid;grid-template-columns:1.8fr 1fr 1fr 1fr 1fr;gap:40px;margin-bottom:48px}
.footer-brand p{color:rgba(255,255,255,0.45);font-size:13.5px;line-height:1.75;margin-top:14px;max-width:260px}
.footer-social{display:flex;gap:8px;margin-top:16px;flex-wrap:wrap}
.footer-social a{color:rgba(255,255,255,0.5);text-decoration:none;font-size:13px;display:inline-flex;align-items:center;gap:5px;padding:6px 12px;border:1px solid rgba(255,255,255,0.15);border-radius:5px;transition:all .2s}
.footer-social a:hover{color:#fff;border-color:rgba(255,255,255,0.4)}
.footer-col h4{font-size:10px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,0.35);margin-bottom:14px}
.footer-col a{display:block;color:rgba(255,255,255,0.55);text-decoration:none;font-size:13.5px;margin-bottom:9px;transition:color .2s}
.footer-col a:hover{color:#fff}
.footer-bottom{display:flex;align-items:center;justify-content:space-between;padding-top:28px;border-top:1px solid rgba(255,255,255,0.08);flex-wrap:wrap;gap:12px}
.footer-copy{color:rgba(255,255,255,0.3);font-size:12.5px}
.footer-legal{display:flex;gap:20px}
.footer-legal a{color:rgba(255,255,255,0.3);text-decoration:none;font-size:12.5px;transition:color .2s}
.footer-legal a:hover{color:rgba(255,255,255,0.6)}

/* LEGAL */
.page-hero{padding:120px 0 56px;background:var(--bg-dark);border-bottom:1px solid rgba(255,255,255,0.08)}
.legal-content{max-width:760px;margin:0 auto}
.legal-content h2{font-family:'Georgia',serif;font-weight:700;font-size:20px;color:var(--text);margin:40px 0 12px;padding-top:8px;border-top:1px solid var(--border)}
.legal-content h2:first-of-type{border-top:none;margin-top:0}
.legal-content p{color:var(--muted);font-size:15px;line-height:1.82;margin-bottom:14px}
.legal-content ul{color:var(--muted);font-size:15px;line-height:1.82;margin-bottom:14px;padding-left:20px}
.legal-content ul li{margin-bottom:6px}
.legal-content a{color:var(--accent);text-decoration:none}
.legal-meta{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:40px}
.legal-badge{padding:5px 12px;border:1px solid var(--border);border-radius:4px;font-size:12px;color:var(--muted);background:var(--white)}

/* FADE */
.fade{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.fade.in{opacity:1;transform:translateY(0)}

@media(max-width:960px){
  nav{padding:0 20px}
  .nav-center{display:none}
  .container{padding:0 20px}
  .section,.section-dark,.section-mid{padding:64px 0}
  footer{padding:40px 20px 28px}
  .footer-top{grid-template-columns:1fr 1fr;gap:32px}
  .footer-bottom{flex-direction:column;text-align:center}
  .form-row{grid-template-columns:1fr}
}