:root{
  --navy:#0a2d5c; --navy2:#0e3a77; --ink:#13253f; --body:#333f4e; --muted:#5f6b7a;
  --accent:#c8102e; --line:#dbe1ea; --bg:#f5f7fa; --card:#ffffff;
  --green:#0f7b3f; --greenbg:#e7f5ec; --red:#b3121f; --redbg:#fdecee; --amber:#9a6700; --amberbg:#fdf5e0;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Libre Franklin',-apple-system,'Segoe UI',Roboto,Arial,sans-serif;color:var(--body);background:#fff;line-height:1.6;font-size:16px}
a{color:var(--navy);text-decoration:none}
a:hover{color:var(--accent)}
img{max-width:100%}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.topstrip{background:var(--ink);color:#9fb0c6;font-size:12.5px;padding:6px 0}
.topstrip .wrap{display:flex;justify-content:space-between;align-items:center}
.topstrip a{color:#cfe0f5;margin-left:16px}
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(10,45,92,.25)}
.hrow{display:flex;align-items:center;justify-content:space-between;height:74px}
.logo{display:flex;align-items:center;gap:12px;color:#fff}
.logo:hover{color:#fff}
.logomark{width:42px;height:42px;flex:none}
.logo .t1{font-size:19px;font-weight:800;letter-spacing:.09em;line-height:1.1}
.logo .t2{font-size:10.5px;letter-spacing:.22em;color:#8fb0dd;text-transform:uppercase}
nav.main{display:flex;align-items:center;gap:4px}
nav.main a{color:#dbe7f7;font-size:14px;font-weight:600;letter-spacing:.02em;padding:10px 13px;border-radius:4px}
nav.main a:hover{color:#fff;background:rgba(255,255,255,.08)}
nav.main a.active{color:#fff;box-shadow:inset 0 -3px 0 var(--accent)}
nav.main .cta{background:var(--accent);color:#fff;padding:10px 18px;border-radius:4px;margin-left:10px}
nav.main .cta:hover{background:#a30d26}
.hero{background:linear-gradient(115deg,var(--navy) 0%,var(--navy2) 70%,#16418a 100%);color:#fff;padding:64px 0 56px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border:60px solid rgba(200,16,46,.18);border-radius:50%}
.hero h1{font-size:40px;line-height:1.15;font-weight:800;max-width:760px}
.hero p.sub{margin-top:16px;font-size:17.5px;color:#c9d9f0;max-width:640px}
.hero .kpis{display:flex;gap:14px;margin-top:30px;flex-wrap:wrap}
.kpi{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.15);border-radius:8px;padding:12px 20px}
.kpi b{display:block;font-size:21px;color:#fff}
.kpi span{font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:#9db8dd}
section{padding:56px 0}
.sechead{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:26px;border-bottom:2px solid var(--navy);padding-bottom:10px}
.sechead h2{font-size:25px;color:var(--ink);font-weight:800;letter-spacing:.01em}
.sechead .more{font-size:13.5px;font-weight:700;color:var(--accent);text-transform:uppercase;letter-spacing:.06em}
.alt{background:var(--bg)}
.chip{display:inline-block;font-size:11.5px;font-weight:800;letter-spacing:.08em;padding:3px 10px;border-radius:3px;text-transform:uppercase}
.chip.buy,.chip.ow{background:var(--greenbg);color:var(--green)}
.chip.uw{background:var(--redbg);color:var(--red)}
.chip.hold{background:var(--amberbg);color:var(--amber)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--card);border:1px solid var(--line);border-top:4px solid var(--navy);border-radius:6px;padding:22px;display:flex;flex-direction:column;transition:box-shadow .15s,transform .15s}
.card:hover{box-shadow:0 10px 26px rgba(10,45,92,.13);transform:translateY(-2px)}
.card .meta{font-size:11.5px;color:var(--muted);letter-spacing:.06em;text-transform:uppercase;margin-bottom:8px;display:flex;justify-content:space-between}
.card h3{font-size:17.5px;color:var(--ink);margin:6px 0 4px}
.card .tick{font-size:12.5px;color:var(--muted);margin-bottom:10px}
.card p{font-size:14px;color:var(--body);flex:1}
.card .row{display:flex;justify-content:space-between;align-items:center;margin-top:16px;padding-top:12px;border-top:1px solid var(--line);font-size:13.5px}
.card .pt b{color:var(--ink)}
.tbl{width:100%;border-collapse:collapse;font-size:14px;background:#fff}
.tbl th{background:var(--navy);color:#fff;text-align:left;padding:9px 12px;font-size:12.5px;letter-spacing:.05em;text-transform:uppercase;font-weight:700}
.tbl td{padding:9px 12px;border-bottom:1px solid var(--line);color:var(--body)}
.tbl tr:nth-child(even) td{background:#f7f9fc}
.tbl td b,.tbl td strong{color:var(--ink)}
.twrap{overflow-x:auto;border:1px solid var(--line);border-radius:6px;margin:14px 0}
.cov .pos{color:var(--green);font-weight:800}
.cov .neg{color:var(--red);font-weight:800}
.rhero{background:linear-gradient(115deg,var(--navy),var(--navy2));color:#fff;padding:44px 0 38px}
.rhero .crumb{font-size:12.5px;color:#9db8dd;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.rhero .crumb a{color:#cfe0f5}
.rhero h1{font-size:32px;font-weight:800;line-height:1.2}
.rhero .sub{color:#c9d9f0;margin-top:6px;font-size:15.5px}
.rstats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.18);border-radius:8px;overflow:hidden;margin-top:26px}
.rstat{background:rgba(255,255,255,.06);padding:14px 18px}
.rstat span{display:block;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:#9db8dd}
.rstat b{font-size:19px;color:#fff}
.rstat b.neg{color:#ff8f9b}.rstat b.pos{color:#7de2a4}
.rlayout{display:grid;grid-template-columns:1fr 320px;gap:34px;padding:44px 0 60px;align-items:start}
.rbody h2{font-size:21px;color:var(--ink);margin:30px 0 12px;padding-bottom:6px;border-bottom:2px solid var(--accent);display:table}
.rbody h2:first-child{margin-top:0}
.rbody h3{font-size:16px;color:var(--navy);margin:20px 0 8px}
.rbody p{margin-bottom:12px;font-size:15px}
.rbody ul{margin:0 0 14px 20px}
.rbody li{margin-bottom:7px;font-size:15px}
.rbody img{border:1px solid var(--line);border-radius:6px;margin:10px 0}
.rside{position:sticky;top:92px}
.snapt{background:var(--card);border:1px solid var(--line);border-radius:6px;overflow:hidden;margin-bottom:20px}
.snapt .hd{background:var(--ink);color:#fff;font-size:12.5px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;padding:9px 14px}
.snapt table{width:100%;border-collapse:collapse;font-size:13.5px}
.snapt td{padding:7px 14px;border-bottom:1px solid #eef1f6}
.snapt td:first-child{color:var(--muted);width:55%}
.snapt td:last-child{color:var(--ink);font-weight:600;text-align:right}
.dl{background:var(--navy);color:#fff;border-radius:6px;padding:18px;margin-bottom:20px}
.dl a{display:block;color:#fff;font-weight:700;font-size:14.5px;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.14)}
.dl a:last-child{border-bottom:0}
.dl a:hover{color:#ffd6dc}
.dl .lab{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:#8fb0dd;margin-bottom:6px}
.disc{background:var(--redbg);border-left:4px solid var(--accent);padding:16px 18px;font-size:13px;color:#5e2230;border-radius:0 6px 6px 0;margin-top:28px}
.pillars{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin:14px 0}
.pillar{background:#fff;border:1px solid var(--line);border-left:4px solid var(--navy);border-radius:6px;padding:18px 20px}
.pillar b{color:var(--ink);display:block;margin-bottom:5px;font-size:15.5px}
.pillar p{font-size:14px;color:var(--body)}
.pillar .n{display:inline-block;background:var(--navy);color:#fff;font-size:12px;font-weight:800;width:22px;height:22px;text-align:center;line-height:22px;border-radius:50%;margin-right:8px}
.sectors{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.sector{background:#fff;border:1px solid var(--line);border-radius:6px;padding:18px}
.sector .view{font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}
.sector .view.up{color:var(--green)}.sector .view.dn{color:var(--red)}
.sector b{display:block;color:var(--ink);margin:4px 0 2px;font-size:15.5px}
.sector span{font-size:13px;color:var(--muted)}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.step{background:#fff;border:1px solid var(--line);border-radius:6px;padding:22px;position:relative}
.step::before{counter-increment:s;content:counter(s,decimal-leading-zero);position:absolute;top:-14px;left:20px;background:var(--accent);color:#fff;font-weight:800;font-size:13px;padding:3px 10px;border-radius:3px}
.step b{color:var(--ink);display:block;margin:8px 0 6px;font-size:16px}
.step p{font-size:14px}
.cgrid{display:grid;grid-template-columns:1fr 1fr;gap:34px}
.cinfo p{margin-bottom:12px}
input,textarea{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:5px;font:inherit;font-size:14.5px;margin-bottom:13px;background:#fff;color:var(--ink)}
input:focus,textarea:focus{outline:2px solid var(--navy2);border-color:transparent}
button{background:var(--accent);color:#fff;border:0;padding:12px 26px;border-radius:5px;font:inherit;font-weight:700;font-size:15px;cursor:pointer}
button:hover{background:#a30d26}
footer{background:var(--ink);color:#93a5bd;font-size:13.5px;padding:44px 0 26px}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px;padding-bottom:26px;border-bottom:1px solid rgba(255,255,255,.12)}
footer h4{color:#fff;font-size:13px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:12px}
footer a{color:#93a5bd;display:block;padding:3px 0}
footer a:hover{color:#fff}
.fbottom{display:flex;justify-content:space-between;padding-top:18px;font-size:12px;color:#6d7f97}
@media(max-width:960px){.cards{grid-template-columns:repeat(2,1fr)}.rlayout{grid-template-columns:1fr}.rside{position:static}.pillars{grid-template-columns:1fr}.sectors{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:1fr}.rstats{grid-template-columns:repeat(2,1fr)}.fgrid{grid-template-columns:1fr 1fr}.cgrid{grid-template-columns:1fr}}
@media(max-width:640px){.cards{grid-template-columns:1fr}nav.main{display:none}.hero h1{font-size:29px}.sectors{grid-template-columns:1fr}.fbottom{flex-direction:column;gap:6px}}