:root{--navy:#071b2b;--navy2:#0b263a;--steel:#4e7894;--ink:#10222f;--muted:#5e6e79;--line:#dbe3e8;--pale:#f3f6f7;--cream:#f7f4ee;--white:#fff;--accent:#a8c0cf;--max:1220px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.6}button{font:inherit}a{color:inherit}.shell{width:min(var(--max),calc(100% - 48px));margin:auto}.narrow{max-width:920px}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.nav{height:76px;display:flex;align-items:center;gap:28px}.logo{font-weight:900;font-size:29px;letter-spacing:-1.5px;background:none;border:0;cursor:pointer;color:var(--navy)}.navlinks{display:flex;gap:4px;align-items:center;flex:1}.nav-item{border:0;background:none;padding:26px 14px;font-weight:700;cursor:pointer;color:#253845}.nav-item:hover{color:var(--steel)}.nav-contact{border:1px solid var(--navy);background:var(--navy);color:#fff;padding:11px 18px;border-radius:3px;font-weight:800;cursor:pointer}.mega{display:none;position:absolute;left:0;right:0;top:76px;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 18px 40px rgba(4,20,32,.10);max-height:72vh;overflow:auto}.mega.open{display:block}.mega-inner{width:min(var(--max),calc(100% - 48px));margin:auto;padding:28px 0 34px}.mega-head{display:flex;justify-content:space-between;align-items:end;margin-bottom:20px}.mega-head h3{font-size:28px;margin:0}.mega-head button{border:0;background:none;color:var(--steel);font-weight:800;cursor:pointer}.mega-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}.mega-grid button{text-align:left;border:0;background:#f7f9fa;padding:14px 16px;cursor:pointer;min-height:82px}.mega-grid button:hover{background:#eaf0f3}.mega-grid b{display:block;font-size:15px;margin-bottom:3px}.mega-grid span{display:block;font-size:12px;color:var(--muted);line-height:1.35}.page{display:none}.page.active{display:block}.hero{background:var(--navy);color:#fff;padding:92px 0 96px}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:70px;align-items:center}.eyebrow,.kicker{font-size:12px;letter-spacing:.15em;font-weight:900;color:var(--steel);text-transform:uppercase}.hero .eyebrow,.dark .eyebrow{color:#9bb9ca}h1,h2,h3{line-height:1.08;letter-spacing:-.035em}h1{font-size:clamp(48px,6vw,78px);margin:15px 0 22px}h2{font-size:clamp(36px,4.4vw,58px);margin:12px 0 24px}h3{font-size:24px;margin:8px 0 12px}.lead{font-size:25px;line-height:1.45;max-width:820px}.hero-copy{font-size:18px;line-height:1.65;color:#c9d7df;max-width:780px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}.btn{border:0;padding:14px 20px;border-radius:3px;font-weight:850;cursor:pointer}.btn.primary{background:var(--steel);color:#fff}.btn.secondary{background:transparent;color:inherit;border:1px solid currentColor}.hero-market{display:flex;justify-content:center}.market-orbit{position:relative;width:440px;height:440px;border:1px solid #345266;border-radius:50%;display:flex;align-items:center;justify-content:center}.market-orbit>span{position:absolute;background:#0d2b40;border:1px solid #3b5b70;padding:8px 12px;border-radius:999px;font-size:12px}.market-orbit>span:nth-child(1){top:4%;left:38%}.market-orbit>span:nth-child(2){top:20%;right:-5%}.market-orbit>span:nth-child(3){top:52%;right:-9%}.market-orbit>span:nth-child(4){bottom:9%;right:10%}.market-orbit>span:nth-child(5){bottom:3%;left:23%}.market-orbit>span:nth-child(6){top:55%;left:-9%}.market-orbit>span:nth-child(7){top:20%;left:-4%}.price-core{width:220px;height:220px;border-radius:50%;background:#fff;color:var(--navy);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:25px}.price-core small{font-weight:900;letter-spacing:.1em;color:var(--steel)}.price-core b{font-size:54px;line-height:1;margin:9px}.price-core p{font-size:13px;line-height:1.4;margin:0}.section{padding:92px 0}.section.pale,.pale{background:var(--pale)}.section.dark,.dark{background:var(--navy);color:#fff}.section-intro{max-width:900px;margin-bottom:46px}.body-lg{font-size:20px;line-height:1.7;color:var(--muted)}.dark .body-lg{color:#c5d2d9}.split{display:grid;grid-template-columns:.82fr 1.18fr;gap:80px;align-items:start}.sticky-copy{position:sticky;top:115px}.sticky-copy p{color:var(--muted)}.stack-story article{padding:0 0 38px;margin-bottom:38px;border-bottom:1px solid var(--line)}.stack-story article>span{font-size:12px;font-weight:900;color:var(--steel)}.stack-story p{font-size:18px;color:var(--muted)}.text-link{border:0;background:none;color:var(--steel);font-weight:850;padding:0;cursor:pointer}.flow{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;gap:14px;align-items:stretch;margin-top:44px}.flow>div{border:1px solid #315065;background:#0a2436;padding:24px}.flow small{display:block;color:#8fb0c3;font-weight:900;letter-spacing:.1em}.flow b{display:block;font-size:22px;margin:8px 0}.flow p{color:#bfd0da;font-size:14px}.flow i{align-self:center;font-size:28px;color:#6f91a5}.preview-grid,.next-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.link-card{border:1px solid var(--line);background:#fff;padding:24px;text-align:left;cursor:pointer;min-height:210px;display:flex;flex-direction:column}.link-card:hover{border-color:var(--steel);transform:translateY(-2px)}.link-card strong{font-size:22px;line-height:1.15;margin:12px 0}.link-card span:not(.kicker){color:var(--muted);font-size:14px}.link-card em{margin-top:auto;padding-top:20px;color:var(--steel);font-style:normal;font-weight:850}.center{text-align:center;margin-top:28px}.industry-list,.directory{border-top:1px solid var(--line)}.industry-list button,.directory-row{width:100%;display:grid;grid-template-columns:56px 1fr auto;gap:20px;align-items:center;text-align:left;border:0;border-bottom:1px solid var(--line);background:transparent;padding:22px 4px;cursor:pointer}.industry-list button:hover,.directory-row:hover{background:#fff;padding-left:14px;padding-right:14px}.industry-list button>span,.directory-row>span{color:var(--steel);font-weight:900}.industry-list strong,.directory-row strong{font-size:22px}.industry-list p,.directory-row p{margin:4px 0 0;color:var(--muted)}.industry-list em,.directory-row em{font-style:normal;color:var(--steel);font-weight:850}.close{background:var(--cream)}.close-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px}.page-title{padding:92px 0 76px;background:var(--pale);border-bottom:1px solid var(--line)}.page-title h1{font-size:clamp(48px,6vw,76px)}.industry-title{background:#eef3f5}.article{max-width:880px}.article h2{font-size:38px;margin-top:56px}.article h2:first-child{margin-top:0}.article p{font-size:19px;line-height:1.82;color:#3f515c}.next-head{margin-bottom:28px}.next-head span{font-size:12px;letter-spacing:.13em;font-weight:900;color:var(--steel)}.program-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.program-grid article{border:1px solid #315065;background:#0a2436;padding:28px}.program-grid p{color:#c6d5dd}.footer{background:#061621;color:#aab9c2;padding:52px 0}.footer-grid{display:flex;justify-content:space-between;gap:40px}.footer-brand{font-size:30px;font-weight:900;color:#fff}.footer-links{display:flex;gap:20px;flex-wrap:wrap}.footer button{border:0;background:none;color:#c1ced5;cursor:pointer}.mobile-toggle{display:none}.mobile-menu{display:none}.notice{font-size:12px;color:#7a8992;margin-top:30px}
@media(max-width:900px){.shell{width:min(100% - 30px,var(--max))}.navlinks,.nav-contact{display:none}.mobile-toggle{display:block;margin-left:auto;border:0;background:none;font-size:24px}.mobile-menu.open{display:block;position:absolute;top:76px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:15px}.mobile-menu button{display:block;width:100%;text-align:left;border:0;background:none;padding:13px;font-weight:800}.hero-grid,.split,.close-grid{grid-template-columns:1fr}.hero-market{display:none}.sticky-copy{position:static}.flow{grid-template-columns:1fr}.flow i{transform:rotate(90deg);text-align:center}.preview-grid,.next-grid,.program-grid{grid-template-columns:1fr}.mega{display:none!important}.section{padding:64px 0}.page-title{padding:60px 0}h1{font-size:44px}.lead{font-size:21px}.industry-list button,.directory-row{grid-template-columns:38px 1fr}.industry-list em,.directory-row em{display:none}.footer-grid{display:block}.footer-links{margin-top:20px}}

/* v0.5 — live repricing / event-response storytelling */
.event-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:34px}.event-card{border:1px solid var(--line);background:#fff;padding:26px;min-height:270px;display:flex;flex-direction:column}.event-card .event-no{font-size:12px;font-weight:900;letter-spacing:.13em;color:var(--steel)}.event-card h3{font-size:25px;margin:16px 0 12px}.event-card p{color:var(--muted);font-size:15px;line-height:1.62;margin:0}.event-card .event-impact{margin-top:auto;padding-top:22px;font-weight:800;color:var(--ink);font-size:14px}.live-flow{margin-top:42px;display:grid;grid-template-columns:repeat(5,1fr);gap:0;border:1px solid var(--line);background:#fff}.live-step{padding:22px;border-right:1px solid var(--line);min-height:150px}.live-step:last-child{border-right:0}.live-step small{display:block;color:var(--steel);font-weight:900;letter-spacing:.11em}.live-step b{display:block;font-size:18px;line-height:1.25;margin:10px 0}.live-step p{font-size:13px;color:var(--muted);margin:0}.big-quote{font-size:clamp(28px,3.2vw,46px);line-height:1.2;letter-spacing:-.03em;font-weight:800;max-width:980px;margin:34px 0}.use-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:26px}.use-strip div{background:#0a2436;border:1px solid #315065;padding:20px}.use-strip b{display:block;font-size:17px}.use-strip span{display:block;color:#bcd0dc;font-size:13px;margin-top:6px}.article .scenario-box{margin:42px 0;padding:32px;background:var(--pale);border-left:4px solid var(--steel)}.article .scenario-box h2{margin-top:0}.article .scenario-box p:last-child{margin-bottom:0}.market-clock{display:inline-flex;gap:8px;align-items:center;padding:8px 11px;background:#eaf0f3;color:var(--navy);font-size:12px;font-weight:900;letter-spacing:.06em;margin-top:12px}.market-clock:before{content:'●';font-size:10px;color:var(--steel)}
@media(max-width:900px){.event-grid,.use-strip{grid-template-columns:1fr}.live-flow{grid-template-columns:1fr}.live-step{border-right:0;border-bottom:1px solid var(--line)}.live-step:last-child{border-bottom:0}}

/* VISUAL PRODUCTION PASS v1 — homepage only; locked v0.7 copy preserved */
:root{--visual-radius:2px;--visual-shadow:0 24px 60px rgba(5,24,38,.16)}
.visual-photo{display:block;width:100%;height:100%;object-fit:cover}
.photo-frame{position:relative;overflow:hidden;background:#dbe3e8;border-radius:var(--visual-radius)}
.photo-frame:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(7,27,43,0) 45%,rgba(7,27,43,.28) 100%);pointer-events:none}
.visual-caption{position:absolute;left:18px;bottom:15px;z-index:2;color:#fff;font-size:11px;letter-spacing:.13em;font-weight:900;text-transform:uppercase}
/* hero */
.hero{padding:72px 0 76px;overflow:hidden}.hero-grid{grid-template-columns:1.08fr .92fr;gap:58px}.hero-visual{position:relative;height:570px;min-width:0}.hero-photo-main{position:absolute;inset:0 10% 15% 0;box-shadow:var(--visual-shadow)}.hero-photo-main img{filter:saturate(.78) contrast(1.04)}
.hero-photo-market{position:absolute;width:54%;height:42%;right:0;bottom:0;border:8px solid var(--navy);box-shadow:0 18px 42px rgba(0,0,0,.28)}
.hero-photo-market img{filter:saturate(.7) brightness(.8)}
.hero-curve{position:absolute;inset:8% 3% auto 12%;height:44%;z-index:3;pointer-events:none;filter:drop-shadow(0 4px 8px rgba(0,0,0,.2))}.hero-curve svg{width:100%;height:100%}.hero-stat{position:absolute;right:4%;top:7%;z-index:4;background:rgba(255,255,255,.94);color:var(--navy);padding:15px 17px;max-width:190px;box-shadow:0 12px 32px rgba(0,0,0,.18)}.hero-stat small{display:block;color:var(--steel);font-weight:900;letter-spacing:.12em}.hero-stat b{display:block;font-size:19px;line-height:1.15;margin-top:5px}
/* economic breadth */
.economy-visual{display:grid;grid-template-columns:1.2fr .8fr;grid-template-rows:260px 260px;gap:12px;margin:46px 0 64px}.economy-visual .photo-frame:first-child{grid-row:1/3}.economy-visual .photo-frame:last-child{grid-column:2}.economy-visual img{transition:transform .5s ease}.economy-visual .photo-frame:hover img{transform:scale(1.025)}
/* market architecture */
.market-architecture{margin-top:44px;border:1px solid #315065;background:linear-gradient(135deg,#081f30,#0c2b40);padding:38px}.arch-top{display:grid;grid-template-columns:1fr auto 1fr;gap:28px;align-items:center}.arch-side{display:grid;gap:9px}.arch-pill{border:1px solid #3a5c70;background:rgba(255,255,255,.025);padding:10px 13px;color:#c9d7df;font-size:13px;font-weight:750}.arch-core{width:190px;height:190px;border-radius:50%;background:#fff;color:var(--navy);display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;padding:20px}.arch-core small{color:var(--steel);font-weight:900;letter-spacing:.12em}.arch-core b{font-size:38px;line-height:1;margin:8px 0}.arch-core span{font-size:12px}.arch-arrow{color:#8fb0c3;font-size:24px;text-align:center}.curve-panel{margin-top:34px;border-top:1px solid #315065;padding-top:28px}.curve-panel-head{display:flex;justify-content:space-between;gap:20px;align-items:end;margin-bottom:12px}.curve-panel-head b{font-size:22px}.curve-panel-head span{font-size:12px;color:#8fb0c3;letter-spacing:.1em}.curve-svg{width:100%;height:210px;display:block}
/* world changes */
.event-visual-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:34px 0 26px}.event-photo{height:230px}.event-photo .visual-caption{font-size:10px}.event-photo:before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(7,27,43,.05),rgba(7,27,43,.62));z-index:1}.event-photo:after{display:none}.event-photo .event-overlay{position:absolute;z-index:2;left:18px;right:18px;bottom:18px;color:#fff}.event-photo .event-overlay small{font-size:10px;letter-spacing:.13em;font-weight:900;color:#c8dbe6}.event-photo .event-overlay b{display:block;font-size:20px;line-height:1.1;margin-top:5px}
.reprice-visual{background:var(--navy);color:#fff;margin:30px 0 0;padding:34px;display:grid;grid-template-columns:.8fr 1.2fr;gap:42px;align-items:center}.reprice-visual h3{font-size:32px}.reprice-visual p{color:#c5d2d9}.reprice-steps{display:flex;gap:8px;flex-wrap:wrap;margin-top:20px}.reprice-steps span{border:1px solid #3a5c70;padding:8px 10px;font-size:11px;font-weight:850;letter-spacing:.06em}.reprice-chart{height:250px}.reprice-chart svg{width:100%;height:100%}
/* offer visual rail */
.offer-visual-rail{display:grid;grid-template-columns:1.15fr .85fr;gap:12px;margin:40px 0 50px}.offer-visual-rail .market-shot{height:420px}.offer-data-card{background:var(--navy);color:#fff;padding:34px;display:flex;flex-direction:column;justify-content:space-between}.offer-data-card small{color:#9bb9ca;font-weight:900;letter-spacing:.12em}.offer-data-card h3{font-size:32px}.mini-curve{height:150px}.mini-curve svg{width:100%;height:100%}
/* industry visual band */
.industry-band{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:36px 0 48px}.industry-band .photo-frame{height:245px}.industry-band .photo-frame:nth-child(2){transform:translateY(20px)}.industry-band .photo-frame:nth-child(4){transform:translateY(20px)}
@media(max-width:900px){.hero-visual{height:440px;margin-top:20px}.hero-photo-main{inset:0 4% 12% 0}.hero-photo-market{width:58%;height:38%}.hero-stat{right:0}.economy-visual{grid-template-columns:1fr;grid-template-rows:none}.economy-visual .photo-frame{height:260px}.economy-visual .photo-frame:first-child{grid-row:auto}.event-visual-strip,.industry-band{grid-template-columns:1fr 1fr}.reprice-visual,.offer-visual-rail{grid-template-columns:1fr}.arch-top{grid-template-columns:1fr}.arch-core{margin:auto}.industry-band .photo-frame:nth-child(2),.industry-band .photo-frame:nth-child(4){transform:none}.hero-market{display:block}}

/* FULL VISUAL PRODUCTION PASS v1 — What We Offer + Who We Serve; locked v0.7 copy preserved */
.page-title.visual-title{padding:0;background:#eef3f5;overflow:hidden}
.visual-title-grid{display:grid;grid-template-columns:1.02fr .98fr;min-height:510px;align-items:stretch}
.visual-title-copy{padding:82px 56px 72px max(24px,calc((100vw - var(--max))/2));display:flex;flex-direction:column;justify-content:center}
.visual-title-copy .lead{max-width:720px}
.visual-title-media{position:relative;min-height:510px;overflow:hidden;background:#0a2436}
.visual-title-media img{width:100%;height:100%;object-fit:cover;filter:saturate(.78) contrast(1.03)}
.visual-title-media:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(238,243,245,.16),rgba(7,27,43,.06) 45%,rgba(7,27,43,.28))}
.visual-title-label{position:absolute;z-index:2;left:28px;bottom:25px;color:#fff;font-size:11px;letter-spacing:.13em;font-weight:900;text-transform:uppercase}
.visual-title-market{background:linear-gradient(135deg,#071b2b,#0d3048);color:#fff;display:flex;align-items:center;justify-content:center;padding:40px}
.visual-title-market:after{display:none}
.offer-visual{width:min(520px,100%);border:1px solid #35556a;background:rgba(255,255,255,.025);padding:28px;box-shadow:0 26px 60px rgba(0,0,0,.18)}
.offer-visual .ov-label{font-size:10px;letter-spacing:.14em;font-weight:900;color:#9bb9ca;text-transform:uppercase}
.offer-visual .ov-title{font-size:26px;font-weight:850;line-height:1.12;margin:8px 0 24px}
.ov-flow{display:grid;grid-template-columns:1fr auto 1fr;gap:10px;align-items:center}.ov-box{border:1px solid #42667d;background:#0a2639;padding:14px;min-height:72px;display:flex;align-items:center;justify-content:center;text-align:center;font-size:12px;font-weight:800;color:#d7e2e8}.ov-arrow{color:#88aabd;font-size:22px}.ov-output{margin-top:14px;background:#fff;color:#071b2b;padding:16px;text-align:center;font-weight:900}.ov-curve{width:100%;height:120px;margin-top:16px}.ov-curve svg{width:100%;height:100%}
.page-visual-break{margin:0;background:#fff}.page-visual-break .shell{padding-top:34px;padding-bottom:12px}.visual-story-band{display:grid;grid-template-columns:1.05fr .95fr;gap:14px;min-height:320px}.visual-story-photo{position:relative;overflow:hidden;min-height:320px;background:#dbe3e8}.visual-story-photo img{width:100%;height:100%;object-fit:cover;filter:saturate(.82)}.visual-story-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(7,27,43,0),rgba(7,27,43,.52))}.visual-story-photo b{position:absolute;z-index:2;left:24px;right:24px;bottom:22px;color:#fff;font-size:24px;line-height:1.12}.visual-story-panel{background:var(--navy);color:#fff;padding:34px;display:flex;flex-direction:column;justify-content:center}.visual-story-panel small{color:#9bb9ca;font-size:10px;letter-spacing:.14em;font-weight:900}.visual-story-panel h3{font-size:31px;margin:9px 0 14px}.visual-story-panel p{color:#c6d5dd;margin:0}.pulse-row{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-top:24px}.pulse-row div{border-top:2px solid #527d98;padding-top:10px;font-size:11px;color:#bdd0db;font-weight:800}.pulse-row b{display:block;color:#fff;font-size:14px;margin-bottom:3px}
.article-visual{margin:46px 0;background:linear-gradient(135deg,#071b2b,#0c2b40);color:#fff;padding:32px;overflow:hidden}.article-visual-head{display:flex;justify-content:space-between;gap:24px;align-items:end;margin-bottom:20px}.article-visual-head small{font-size:10px;letter-spacing:.14em;font-weight:900;color:#9bb9ca}.article-visual-head b{font-size:24px;line-height:1.15;max-width:560px}.signal-grid{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:10px;align-items:stretch}.signal-box{border:1px solid #36586d;background:#0a2639;padding:17px;min-height:94px}.signal-box small{display:block;color:#8fb0c3;font-size:9px;letter-spacing:.11em;font-weight:900}.signal-box b{display:block;font-size:15px;line-height:1.25;margin-top:7px}.signal-arrow{align-self:center;color:#8fb0c3;font-size:22px}.signal-bottom{display:grid;grid-template-columns:repeat(5,1fr);gap:7px;margin-top:14px}.signal-bottom span{border-top:1px solid #42667d;padding-top:9px;color:#c5d5dd;font-size:10px;font-weight:800;text-align:center}
.who-visual-mosaic{display:grid;grid-template-columns:1.15fr .85fr .85fr;grid-template-rows:230px 230px;gap:10px;margin:0 0 54px}.who-visual-mosaic .mosaic-item{position:relative;overflow:hidden;background:#dbe3e8}.who-visual-mosaic .mosaic-item:first-child{grid-row:1/3}.who-visual-mosaic img{width:100%;height:100%;object-fit:cover;filter:saturate(.78)}.who-visual-mosaic .mosaic-item:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(7,27,43,.02),rgba(7,27,43,.55))}.mosaic-item span{position:absolute;z-index:2;left:18px;bottom:15px;color:#fff;font-weight:900;letter-spacing:.08em;font-size:11px;text-transform:uppercase}
.offers-stack-visual{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:0 0 50px}.offer-layer{background:#071b2b;color:#fff;padding:25px;min-height:210px;position:relative;overflow:hidden}.offer-layer:nth-child(even){background:#0b2a40}.offer-layer small{font-size:10px;letter-spacing:.13em;color:#9bb9ca;font-weight:900}.offer-layer b{display:block;font-size:23px;line-height:1.12;margin:12px 0}.offer-layer p{color:#c4d3db;font-size:13px}.offer-layer .layer-no{position:absolute;right:12px;bottom:-16px;font-size:86px;font-weight:900;color:rgba(255,255,255,.045);line-height:1}
.insights-hero-band{display:grid;grid-template-columns:1.2fr .8fr;gap:10px;margin:0 0 46px}.insights-hero-band .photo-frame{height:330px}.insights-hero-band .insight-copy{background:#071b2b;color:#fff;padding:34px;display:flex;flex-direction:column;justify-content:center}.insights-hero-band .insight-copy p{color:#c6d5dd}.insights-hero-band .insight-copy small{color:#9bb9ca;font-size:10px;letter-spacing:.14em;font-weight:900}
@media(max-width:900px){.visual-title-grid,.visual-story-band,.insights-hero-band{grid-template-columns:1fr}.visual-title-copy{padding:58px 24px}.visual-title-media{min-height:340px}.who-visual-mosaic{grid-template-columns:1fr 1fr;grid-template-rows:220px 220px 220px}.who-visual-mosaic .mosaic-item:first-child{grid-row:auto;grid-column:1/3}.offers-stack-visual{grid-template-columns:1fr 1fr}.pulse-row{grid-template-columns:1fr 1fr}.signal-grid{grid-template-columns:1fr}.signal-arrow{transform:rotate(90deg);text-align:center}.signal-bottom{grid-template-columns:1fr 1fr}.article-visual-head{display:block}.article-visual-head small{display:block;margin-bottom:8px}}
@media(max-width:560px){.offers-stack-visual,.who-visual-mosaic,.pulse-row,.signal-bottom{grid-template-columns:1fr}.who-visual-mosaic{grid-template-rows:none}.who-visual-mosaic .mosaic-item:first-child{grid-column:auto}.who-visual-mosaic .mosaic-item{min-height:220px}}

/* Editorial visual continuation: preserve the locked portal architecture. */
:root{--cream:#f3f6f7}
.photo-frame:after,.event-photo:before{background:rgba(7,27,43,.12)}
.market-architecture{background:#081e34}.arch-core{border-radius:2px}
.visual-photo,.hero-photo-main img,.hero-photo-market img{filter:none}
.visual-caption,.visual-title-label,.visual-story-photo b{background:#081e34;padding:8px 12px;letter-spacing:.04em;font-size:14px}
.exposure-map{background:#081e34;padding:32px;color:#fff;display:flex;flex-direction:column;justify-content:center}
.exposure-map>small{font-size:14px;color:#a8c0cf;font-weight:800;letter-spacing:.1em}
.exposure-grid{display:grid;gap:0;margin-top:20px;border-top:1px solid #527d98}
.exposure-grid>div{padding:20px 0;border-bottom:1px solid #527d98}
.exposure-grid span{display:block;font-size:14px;color:#a8c0cf;letter-spacing:.08em}
.exposure-grid strong{display:block;font-size:24px;line-height:1.3;margin-top:8px}
.exposure-map p{font-size:16px;color:#c9d7df;line-height:1.65}
.mega-grid span{font-size:14px}.eyebrow,.kicker,.ov-label,.ov-output,.pulse-row,.signal-box small{font-size:14px}
.hero h1{font-size:clamp(40px,4.6vw,66px)}.hero-stat{display:none}.hero-curve{display:none}
button:focus-visible,a:focus-visible{outline:3px solid #4e7894;outline-offset:4px}
.skip-link{position:fixed;top:-100px;left:16px;background:white;color:#081e34;padding:12px;z-index:100}.skip-link:focus{top:12px}
.visual-title-media img{object-fit:cover}.hero-photo-main{inset:0}.hero-photo-market{display:none}
.curve-panel:after,.reprice-chart:after,.mini-curve:after,.ov-curve:after{content:'Illustrative mechanism · not market data';display:block;font-size:14px;color:#a8c0cf}
.reprice-chart{height:auto}.reprice-chart svg{height:230px}
.nav-item[aria-current="page"]{box-shadow:inset 0 -3px #4e7894}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr}.hero-visual{height:320px}.exposure-map{padding:24px}.visual-story-band{grid-template-columns:1fr}.visual-title-grid{grid-template-columns:1fr}.hero h1,.page-title h1{font-size:clamp(34px,8vw,52px);overflow-wrap:anywhere}.signal-grid,.ov-flow{display:flex!important;flex-direction:column}.signal-arrow,.ov-arrow{transform:rotate(90deg)}.hero-visual,.visual-title-media{min-width:0}.arch-top{grid-template-columns:1fr}.arch-core{width:100%;height:auto;min-height:150px}.curve-panel-head{display:block}.curve-svg{height:180px}.shell{width:calc(100% - 32px)}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

.visual-title-market,.article-visual{background:#081e34}.visual-title-media:after,.who-visual-mosaic .mosaic-item:after,.visual-story-photo:after{background:rgba(7,27,43,.12)}
.ov-curve{height:auto}.ov-curve svg{height:120px}.offer-visual .ov-label,.visual-story-panel small,.article-visual-head small,.insights-hero-band .insight-copy small,.offer-layer small,.signal-bottom span,.pulse-row div,.ov-box{font-size:14px}
.hero .lead{font-size:22px}.visual-title-copy{min-width:0}h1,h2,h3{overflow-wrap:break-word}.notice{font-size:14px;max-width:740px}
@media(max-width:900px){.curve-panel-head b{display:block}.insights-hero-band .photo-frame{height:280px}.offer-visual{padding:20px}.visual-title-market{padding:24px}.ov-box{width:100%}.article-visual{padding:24px}.reprice-visual{padding:24px}}

a.btn,a.nav-item,a.logo,a.link-card,.mega a,.mobile-menu a,.footer-links a,.industry-list a,.directory a,a.text-link{color:inherit;text-decoration:none}a.btn{display:inline-block}a.logo{display:inline-block}.mega-grid a{display:block;text-align:left;background:#f7f9fa;padding:14px 16px;min-height:82px}.mega-grid a:hover{background:#eaf0f3}.mega-grid b{display:block}.mega-grid span{display:block;color:var(--muted);font-size:14px}.industry-list a,.directory a{display:grid;grid-template-columns:56px 1fr auto;gap:20px;align-items:center;padding:22px 4px;border-bottom:1px solid var(--line)}.industry-list a>span,.directory a>span{color:var(--steel);font-weight:900}.industry-list a:hover,.directory a:hover{background:#fff}.mega-head a,a.text-link{color:var(--steel);font-weight:800}.footer-links a{color:#c1ced5}.mobile-menu a{display:block;padding:13px;font-weight:800}a.btn.primary{color:white}a.link-card em{color:var(--steel)}
@media(max-width:900px){.industry-list a,.directory a{grid-template-columns:38px 1fr}.industry-list a em,.directory a em{display:none}}