:root{--navy:#0b2c4a;--navy2:#071827;--teal:#0e7490;--cyan:#67e8f9;--gold:#c9a227;--bg:#f4f7fa;--line:#dbe4ee;--text:#102a43;--muted:#64748b}
*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--text);font:14px/1.55 Arial}.wrap{max-width:1180px;margin:auto;padding:0 22px}.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.nav{display:flex;justify-content:space-between;align-items:center;min-height:68px;gap:15px}.brand{display:flex;gap:10px;align-items:center;text-decoration:none;color:var(--navy)}.mark{width:42px;height:42px;border-radius:11px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:12px}.brand b{display:block;font-size:14px}.brand small{display:block;font-size:9px;color:var(--muted)}.nav nav{display:flex;gap:15px;align-items:center}.nav nav a{color:var(--muted);text-decoration:none;font-size:12px;font-weight:700}.nav nav a:hover{color:var(--navy)}.btn{border:0;border-radius:8px;padding:10px 14px;background:var(--teal);color:#fff;font-weight:800;font-size:12px;text-decoration:none;display:inline-block;cursor:pointer}.btn.small{padding:7px 10px;font-size:10px}.hero{background:linear-gradient(135deg,#071827,#0b3c5d 60%,#071827);color:#fff;padding:58px 0}.kicker{font-size:9px;letter-spacing:.18em;font-weight:900;color:var(--gold);text-transform:uppercase}.kicker.dark{color:var(--teal)}.hero h1{font-size:40px;line-height:1.05;letter-spacing:-.03em;margin:8px 0 10px;max-width:850px}.hero h1 em{font-style:normal;color:var(--gold)}.hero p{font-size:15px;color:#c9dce8;max-width:740px}.chips{display:flex;gap:6px;flex-wrap:wrap;margin:14px 0}.chips span{font-size:10px;font-weight:800;padding:4px 8px;border-radius:20px;background:rgba(103,232,249,.12);border:1px solid rgba(103,232,249,.3);color:#a5f3fc}.note{background:#fff8e8;border:1px solid #efd9a8;border-radius:7px;padding:7px 9px;font-size:10px;color:#71551a;margin-top:12px}.sec{padding:38px 0}.sec.abu{background:#eaf0f5}.section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:12px;margin-bottom:12px}.section-head h2,.sec h2{font-size:27px;color:var(--navy);line-height:1.1;margin:4px 0}.sub{font-size:12px;color:var(--muted);max-width:650px}.seg{display:flex;gap:3px;background:#e2e8f0;border-radius:7px;padding:3px}.seg button{border:0;background:transparent;padding:7px 12px;border-radius:5px;font-weight:800;font-size:11px;color:var(--muted);cursor:pointer}.seg button.active{background:#fff;color:var(--navy);box-shadow:0 1px 4px rgba(0,0,0,.12)}.panel{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;margin:12px 0}.controls{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.controls label{font-size:9px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:900}.controls select{display:block;width:100%;margin-top:4px;padding:8px;border:1px solid #cbd5e1;border-radius:6px;background:#fff;font:12px Arial}.insight{background:#ecfeff;border-left:3px solid var(--teal);padding:9px 10px;margin:12px 0;font-size:12px;color:var(--navy)}.chart{margin:10px 0}.bar-row{display:grid;grid-template-columns:170px 1fr 60px;gap:8px;align-items:center;margin:5px 0;font-size:11px}.bar-label{color:var(--navy);font-weight:700;text-overflow:ellipsis;overflow:hidden;white-space:nowrap}.bar-track{height:12px;background:#edf2f7;border-radius:4px;overflow:hidden}.bar-track i{display:block;height:100%;background:linear-gradient(90deg,var(--teal),var(--cyan));border-radius:4px}.bar-row>b{text-align:right;color:var(--navy)}.table-wrap{overflow:auto;margin-top:12px}.table{width:100%;border-collapse:collapse;font-size:11px}.table th{text-align:left;background:#f1f5f9;color:var(--muted);font-size:9px;text-transform:uppercase;letter-spacing:.06em;padding:8px}.table td{padding:8px;border-bottom:1px solid #eef2f6}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}.scenario{text-align:left;background:#fff;border:1px solid var(--line);border-radius:10px;padding:13px;cursor:pointer;font:inherit}.scenario:hover{border-color:var(--teal);box-shadow:0 4px 15px rgba(10,40,70,.08)}.scenario .num{display:inline-flex;width:23px;height:23px;border-radius:50%;background:#e6f4f7;color:var(--teal);align-items:center;justify-content:center;font-size:10px;font-weight:900}.scenario b{display:block;color:var(--navy);font-size:12px;margin:5px 0 3px}.scenario small{color:var(--muted);font-size:10px;line-height:1.4}.rubric{background:#fff;border:1px solid var(--line);border-radius:8px;padding:9px;margin-top:12px;font-size:11px;color:var(--navy)}.panel h3{font-size:15px;color:var(--navy);margin:0 0 6px}.units{font-size:12px;line-height:1.8;color:#334155;margin:0;padding-left:18px}.cta-row{margin:12px 0}.fine{font-size:10px;color:var(--muted);margin-top:6px}.sub{font-size:12px;color:var(--muted)}footer{background:var(--navy2);color:#8fb0cc;font-size:10px;padding:18px 0}
@media(max-width:850px){.hero h1{font-size:33px}.grid3{grid-template-columns:1fr 1fr}.grid2{grid-template-columns:1fr}}
@media(max-width:600px){.nav nav a:not(.btn){display:none}.controls{grid-template-columns:1fr}.grid3{grid-template-columns:1fr}.bar-row{grid-template-columns:110px 1fr 50px}}