@import url('https://fonts.googleapis.com/css2?family=Inter:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,400&family=Source+Serif+4:wght@400;600;700&display=swap');

:root {
  --navy:        #0D1E3D;
  --navy-mid:    #1A2F52;
  --navy-light:  #2A4374;
  --gold:        #B8952A;
  --gold-light:  #D4AC3A;
  --emerald:     #2D7D6F;
  --emerald-lt:  #3A9B8A;
  --white:       #FFFFFF;
  --gray-50:     #F7F9FC;
  --gray-100:    #EEF2F8;
  --gray-200:    #DDE3ED;
  --gray-400:    #8FA0BC;
  --gray-600:    #4A5568;
  --gray-800:    #1A202C;
  --text-body:   #374151;
  --border:      #DDE3ED;
  --sh-sm:       0 1px 4px rgba(13,30,61,0.07);
  --sh-md:       0 4px 18px rgba(13,30,61,0.10);
  --sh-lg:       0 8px 36px rgba(13,30,61,0.13);
  --r:           6px;
  --r-lg:        12px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  color: var(--text-body);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }

/* ── UTILITY ──────────────────────────────────────────── */
.container  { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 80px 0; }
.section-sm { padding: 52px 0; }
.section-lg { padding: 110px 0; }
.txt-center { text-align: center; }
.flex       { display: flex; }
.flex-col   { flex-direction: column; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }
.gap-8  { gap: 8px; }
.gap-12 { gap: 12px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.gap-32 { gap: 32px; }
.gap-48 { gap: 48px; }
.w-full { width: 100%; }
.hidden { display: none; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.mt-8  { margin-top: 8px; }
.mt-12 { margin-top: 12px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }

/* ── TYPOGRAPHY ───────────────────────────────────────── */
h1,h2,h3,h4,h5,h6 {
  font-family: 'Inter', sans-serif;
  color: var(--navy);
  line-height: 1.25;
  font-weight: 700;
}
h1 { font-size: clamp(2rem, 4vw, 3.25rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.5rem); }
h4 { font-size: 1.125rem; }
h5 { font-size: 1rem; }
p  { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }
.lead { font-size: 1.125rem; color: var(--gray-600); line-height: 1.7; }
.serif { font-family: 'Source Serif 4', serif; }
.text-gold    { color: var(--gold); }
.text-emerald { color: var(--emerald); }
.text-navy    { color: var(--navy); }
.text-muted   { color: var(--gray-600); }
.text-sm      { font-size: 0.875rem; }
.text-xs      { font-size: 0.8rem; }
.fw-500 { font-weight: 500; }
.fw-600 { font-weight: 600; }
.fw-700 { font-weight: 700; }

/* ── SECTION HEADERS ──────────────────────────────────── */
.sec-header { margin-bottom: 48px; }
.sec-header h2 { margin-bottom: 12px; }
.sec-header p  { max-width: 620px; color: var(--gray-600); }
.sec-header.center { text-align: center; }
.sec-header.center p { margin: 0 auto; }
.sec-eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}

/* ── DIVIDER ──────────────────────────────────────────── */
.divider {
  width: 48px;
  height: 3px;
  background: var(--gold);
  margin: 14px 0 0;
  border-radius: 2px;
}
.divider.center { margin: 14px auto 0; }

/* ── BUTTONS ──────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: var(--r);
  font-size: 0.9375rem;
  font-weight: 600;
  cursor: pointer;
  transition: background .2s, color .2s, box-shadow .2s, transform .15s;
  border: 2px solid transparent;
  line-height: 1;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-primary:hover { background: var(--navy-mid); border-color: var(--navy-mid); box-shadow: var(--sh-md); }
.btn-gold {
  background: var(--gold);
  color: var(--white);
  border-color: var(--gold);
}
.btn-gold:hover { background: var(--gold-light); border-color: var(--gold-light); box-shadow: 0 4px 20px rgba(184,149,42,0.35); }
.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.7);
}
.btn-outline-white:hover { background: rgba(255,255,255,0.12); }
.btn-sm { padding: 8px 18px; font-size: 0.875rem; }
.btn-lg { padding: 15px 36px; font-size: 1.0625rem; }
.btn-emerald {
  background: var(--emerald);
  color: var(--white);
  border-color: var(--emerald);
}
.btn-emerald:hover { background: var(--emerald-lt); border-color: var(--emerald-lt); box-shadow: 0 4px 20px rgba(45,125,111,0.35); }

/* ── TOP BAR ──────────────────────────────────────────── */
.top-bar {
  background: var(--navy);
  color: rgba(255,255,255,0.75);
  font-size: 0.8125rem;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.top-bar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.top-bar a { color: rgba(255,255,255,0.75); transition: color .2s; }
.top-bar a:hover { color: var(--gold); }
.top-bar-left { display: flex; align-items: center; gap: 20px; }
.top-bar-right { display: flex; align-items: center; gap: 20px; }
.top-bar-sep { color: rgba(255,255,255,0.25); }
.ticker-wrap {
  overflow: hidden;
  flex: 1;
  max-width: 540px;
  position: relative;
}
.ticker-wrap::before, .ticker-wrap::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0;
  width: 32px;
  z-index: 1;
}
.ticker-wrap::before { left: 0; background: linear-gradient(to right, var(--navy), transparent); }
.ticker-wrap::after  { right: 0; background: linear-gradient(to left, var(--navy), transparent); }
.ticker {
  display: flex;
  gap: 0;
  animation: ticker-scroll 38s linear infinite;
  white-space: nowrap;
}
.ticker:hover { animation-play-state: paused; }
.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 0 22px;
  font-size: 0.8rem;
  border-right: 1px solid rgba(255,255,255,0.12);
}
.ticker-symbol { font-weight: 600; color: var(--white); }
.ticker-up   { color: #4ADE80; }
.ticker-down { color: #F87171; }
@keyframes ticker-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ── HEADER / NAV ─────────────────────────────────────── */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 900;
  box-shadow: var(--sh-sm);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.logo-mark {
  width: 38px;
  height: 38px;
  background: var(--navy);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.logo-mark svg { fill: var(--gold); }
.logo-text { line-height: 1.15; }
.logo-name {
  font-size: 1.375rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
}
.logo-tagline {
  font-size: 0.7rem;
  font-weight: 500;
  color: var(--gray-600);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.main-nav { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 13px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--navy);
  border-radius: var(--r);
  transition: background .18s, color .18s;
  cursor: pointer;
  white-space: nowrap;
}
.nav-link:hover, .nav-link.active { background: var(--gray-50); color: var(--gold); }
.nav-arrow {
  width: 14px;
  height: 14px;
  transition: transform .2s;
  fill: currentColor;
}
.nav-item:hover .nav-arrow { transform: rotate(180deg); }
.dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  min-width: 220px;
  box-shadow: var(--sh-lg);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity .2s, transform .2s, visibility .2s;
  z-index: 1000;
}
.nav-item:hover .dropdown,
.nav-item:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown a {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 9px 13px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
  border-radius: var(--r);
  transition: background .15s, color .15s;
}
.dropdown a:hover { background: var(--gray-50); color: var(--gold); }
.dropdown a span.dd-icon { font-size: 1rem; width: 20px; }
.header-cta { display: flex; align-items: center; gap: 12px; }
.burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.burger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all .25s;
}
.burger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger.open span:nth-child(2) { opacity: 0; }
.burger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.mobile-nav {
  display: none;
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 16px 0 24px;
}
.mobile-nav.open { display: block; }
.mobile-nav a {
  display: block;
  padding: 10px 24px;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--navy);
  border-left: 3px solid transparent;
  transition: background .15s, border-color .15s, color .15s;
}
.mobile-nav a:hover, .mobile-nav a.active {
  background: var(--gray-50);
  border-left-color: var(--gold);
  color: var(--gold);
}
.mobile-nav-sub a { padding-left: 40px; font-size: 0.875rem; color: var(--gray-600); }

/* ── HERO ─────────────────────────────────────────────── */
.hero {
  position: relative;
  min-height: 580px;
  display: flex;
  align-items: center;
  background: var(--navy);
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  object-fit: cover;
  width: 100%;
  height: 100%;
  opacity: 0.28;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, rgba(13,30,61,0.92) 45%, rgba(13,30,61,0.55) 100%);
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 680px;
  padding: 80px 0 100px;
}
.hero h1 {
  color: var(--white);
  font-size: clamp(2rem, 4.5vw, 3.4rem);
  line-height: 1.18;
  letter-spacing: -0.02em;
  margin-bottom: 20px;
}
.hero h1 em { font-style: normal; color: var(--gold); }
.hero-desc {
  color: rgba(255,255,255,0.8);
  font-size: 1.0625rem;
  line-height: 1.7;
  max-width: 560px;
  margin-bottom: 36px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  background: rgba(10,20,50,0.82);
  backdrop-filter: blur(6px);
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 18px 0;
}
.hero-stats-inner {
  display: flex;
  gap: 0;
}
.hero-stat {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 0 24px;
  border-right: 1px solid rgba(255,255,255,0.1);
}
.hero-stat:last-child { border-right: none; }
.hero-stat-value { font-size: 1.375rem; font-weight: 700; color: var(--white); line-height: 1; }
.hero-stat-label { font-size: 0.75rem; color: rgba(255,255,255,0.6); margin-top: 4px; text-align: center; }
.hero-stat-change { font-size: 0.8rem; font-weight: 600; margin-top: 2px; }
.hero-stat-change.up   { color: #4ADE80; }
.hero-stat-change.down { color: #F87171; }

/* ── PAGE HERO (inner pages) ──────────────────────────── */
.page-hero {
  background: var(--navy);
  padding: 64px 0 56px;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  right: -120px;
  top: -80px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  border: 1px solid rgba(184,149,42,0.1);
  pointer-events: none;
}
.page-hero::before {
  content: '';
  position: absolute;
  right: 80px;
  top: 20px;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  border: 1px solid rgba(184,149,42,0.07);
  pointer-events: none;
}
.page-hero h1 { color: var(--white); margin-bottom: 14px; }
.page-hero .lead { color: rgba(255,255,255,0.72); max-width: 680px; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 18px;
  flex-wrap: wrap;
}
.breadcrumb a { color: rgba(255,255,255,0.65); transition: color .15s; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb-sep { color: rgba(255,255,255,0.3); }

/* ── CARDS ────────────────────────────────────────────── */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  overflow: hidden;
  transition: box-shadow .2s, transform .2s;
}
.card:hover { box-shadow: var(--sh-lg); transform: translateY(-3px); }
.card-img { width: 100%; height: 210px; object-fit: cover; }
.card-body { padding: 24px; }
.card-category {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}
.card-title {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.35;
  margin-bottom: 10px;
}
.card-title a { color: inherit; transition: color .15s; }
.card-title a:hover { color: var(--gold); }
.card-excerpt { font-size: 0.9rem; color: var(--gray-600); line-height: 1.6; margin-bottom: 18px; }
.card-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 0.8rem;
  color: var(--gray-400);
}
.card-meta svg { width: 14px; height: 14px; fill: currentColor; }
.card-meta-item { display: flex; align-items: center; gap: 4px; }

/* ── GRID ─────────────────────────────────────────────── */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-cols-auto { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 28px; }

/* ── ARTICLE LAYOUT ───────────────────────────────────── */
.article-layout { display: grid; grid-template-columns: 1fr 360px; gap: 48px; align-items: start; }
.article-body h2 { margin: 36px 0 14px; }
.article-body h3 { margin: 28px 0 10px; }
.article-body p  { margin-bottom: 18px; line-height: 1.75; }
.article-body ul, .article-body ol { margin: 0 0 18px 24px; }
.article-body ul { list-style: disc; }
.article-body ol { list-style: decimal; }
.article-body li { margin-bottom: 8px; line-height: 1.65; }
.article-body img { border-radius: var(--r-lg); margin: 28px 0; width: 100%; }
.article-body blockquote {
  margin: 28px 0;
  padding: 18px 24px;
  border-left: 4px solid var(--gold);
  background: var(--gray-50);
  border-radius: 0 var(--r) var(--r) 0;
  font-style: italic;
  color: var(--gray-600);
}
.article-body table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: 0.9rem; }
.article-body th { background: var(--gray-100); color: var(--navy); font-weight: 600; padding: 10px 14px; text-align: left; border-bottom: 2px solid var(--border); }
.article-body td { padding: 9px 14px; border-bottom: 1px solid var(--border); }
.article-body tr:last-child td { border-bottom: none; }

.article-header { margin-bottom: 36px; padding-bottom: 28px; border-bottom: 1px solid var(--border); }
.article-header h1 { font-size: clamp(1.6rem, 3vw, 2.4rem); margin-bottom: 16px; }
.article-meta { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; font-size: 0.85rem; color: var(--gray-600); }
.article-meta-sep { color: var(--border); }
.article-author { display: flex; align-items: center; gap: 8px; font-weight: 500; }
.article-featured-img { width: 100%; border-radius: var(--r-lg); margin-bottom: 32px; max-height: 440px; object-fit: cover; }

/* ── SIDEBAR ──────────────────────────────────────────── */
.sidebar { position: sticky; top: 88px; display: flex; flex-direction: column; gap: 28px; }
.sidebar-widget { background: var(--gray-50); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 24px; }
.sidebar-widget-title {
  font-size: 0.875rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 18px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--gold);
}
.sidebar-link-list li { border-bottom: 1px solid var(--border); }
.sidebar-link-list li:last-child { border-bottom: none; }
.sidebar-link-list a {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 10px 0;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
  transition: color .15s;
  line-height: 1.4;
}
.sidebar-link-list a:hover { color: var(--gold); }
.sidebar-link-list a .num { font-size: 0.75rem; font-weight: 700; color: var(--gold); min-width: 20px; }

/* ── STATS BAR ────────────────────────────────────────── */
.stats-bar { background: var(--navy); padding: 36px 0; }
.stats-bar-inner { display: flex; }
.stat-item { flex: 1; text-align: center; padding: 0 20px; border-right: 1px solid rgba(255,255,255,0.1); }
.stat-item:last-child { border-right: none; }
.stat-value { font-size: 2rem; font-weight: 800; color: var(--white); line-height: 1; }
.stat-value em { font-style: normal; color: var(--gold); }
.stat-label { font-size: 0.8125rem; color: rgba(255,255,255,0.6); margin-top: 5px; }

/* ── FEATURED SECTION ─────────────────────────────────── */
.featured-article {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--sh-lg);
  background: var(--white);
  border: 1px solid var(--border);
}
.featured-article-img { height: 360px; object-fit: cover; width: 100%; }
.featured-article-body { padding: 40px; display: flex; flex-direction: column; justify-content: center; }
.featured-article-body h2 { margin-bottom: 14px; }
.featured-article-body p { color: var(--gray-600); margin-bottom: 24px; }

/* ── INDEX HIGHLIGHT BAR ──────────────────────────────── */
.index-bar {
  background: var(--gray-50);
  border-bottom: 1px solid var(--border);
  border-top: 1px solid var(--border);
  padding: 14px 0;
  overflow: hidden;
}
.index-bar-inner { display: flex; gap: 0; overflow-x: auto; scrollbar-width: none; }
.index-bar-inner::-webkit-scrollbar { display: none; }
.index-item {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 0 24px;
  border-right: 1px solid var(--border);
  white-space: nowrap;
  flex-shrink: 0;
}
.index-item:last-child { border-right: none; }
.index-name { font-size: 0.8rem; font-weight: 600; color: var(--navy); }
.index-value { font-size: 0.9rem; font-weight: 700; color: var(--navy); }
.index-change { font-size: 0.8rem; font-weight: 600; }
.index-change.up   { color: #16A34A; }
.index-change.down { color: #DC2626; }

/* ── TABLE ────────────────────────────────────────────── */
.data-table { width: 100%; border-collapse: collapse; font-size: 0.9rem; }
.data-table th { background: var(--gray-100); color: var(--navy); font-weight: 600; padding: 12px 16px; text-align: left; border-bottom: 2px solid var(--border); font-size: 0.8125rem; text-transform: uppercase; letter-spacing: 0.05em; }
.data-table td { padding: 11px 16px; border-bottom: 1px solid var(--border); color: var(--text-body); }
.data-table tr:hover td { background: var(--gray-50); }
.data-table .up   { color: #16A34A; font-weight: 600; }
.data-table .down { color: #DC2626; font-weight: 600; }
.table-wrap { overflow-x: auto; border-radius: var(--r-lg); border: 1px solid var(--border); }

/* ── FORMS ────────────────────────────────────────────── */
.form-group { margin-bottom: 22px; }
.form-label { display: block; font-size: 0.875rem; font-weight: 600; color: var(--navy); margin-bottom: 7px; }
.form-label .req { color: #DC2626; }
.form-control {
  width: 100%;
  padding: 11px 15px;
  border: 1.5px solid var(--border);
  border-radius: var(--r);
  font-size: 0.9375rem;
  font-family: 'Inter', sans-serif;
  color: var(--navy);
  background: var(--white);
  transition: border-color .2s, box-shadow .2s;
  outline: none;
}
.form-control:focus { border-color: var(--navy-light); box-shadow: 0 0 0 3px rgba(42,67,116,0.12); }
.form-control::placeholder { color: var(--gray-400); }
textarea.form-control { resize: vertical; min-height: 130px; }
select.form-control { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234A5568' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 16px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-note { font-size: 0.8125rem; color: var(--gray-600); margin-top: 6px; }
.form-check { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 14px; }
.form-check input[type="checkbox"] { width: 17px; height: 17px; flex-shrink: 0; margin-top: 2px; accent-color: var(--navy); }
.form-check-label { font-size: 0.875rem; color: var(--gray-600); line-height: 1.5; }
.form-check-label a { color: var(--navy); text-decoration: underline; }
.form-error { font-size: 0.8125rem; color: #DC2626; margin-top: 5px; display: none; }
.form-success { background: #F0FDF4; border: 1px solid #BBF7D0; border-radius: var(--r); padding: 16px 20px; color: #166534; font-size: 0.9375rem; display: none; margin-top: 16px; }

/* ── INFO BOXES ───────────────────────────────────────── */
.info-box {
  padding: 20px 24px;
  border-radius: var(--r);
  margin: 24px 0;
  border-left: 4px solid;
}
.info-box-note   { background: #EFF6FF; border-color: #3B82F6; color: #1E3A5F; }
.info-box-warn   { background: #FFFBEB; border-color: var(--gold); color: #78350F; }
.info-box-info   { background: #F0FDF9; border-color: var(--emerald); color: #134E4A; }
.info-box-title  { font-weight: 700; margin-bottom: 6px; font-size: 0.9rem; }

/* ── HIGHLIGHT CARDS ──────────────────────────────────── */
.highlight-card {
  background: var(--gray-50);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 28px;
  transition: box-shadow .2s;
}
.highlight-card:hover { box-shadow: var(--sh-md); }
.highlight-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  font-size: 1.375rem;
}
.icon-navy    { background: rgba(13,30,61,0.08); }
.icon-gold    { background: rgba(184,149,42,0.1); }
.icon-emerald { background: rgba(45,125,111,0.1); }
.highlight-card h4 { margin-bottom: 8px; }
.highlight-card p  { font-size: 0.9rem; color: var(--gray-600); margin: 0; }

/* ── TEAM CARD ────────────────────────────────────────── */
.team-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--r-lg); overflow: hidden; transition: box-shadow .2s, transform .2s; }
.team-card:hover { box-shadow: var(--sh-lg); transform: translateY(-3px); }
.team-card-img { width: 100%; height: 260px; object-fit: cover; object-position: top center; }
.team-card-body { padding: 24px; }
.team-name { font-size: 1.125rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.team-role { font-size: 0.875rem; color: var(--gold); font-weight: 600; margin-bottom: 10px; }
.team-bio  { font-size: 0.875rem; color: var(--gray-600); line-height: 1.6; margin-bottom: 14px; }
.team-links { display: flex; gap: 8px; }
.team-link {
  width: 32px;
  height: 32px;
  background: var(--gray-100);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  color: var(--navy);
  transition: background .15s, color .15s;
}
.team-link:hover { background: var(--navy); color: var(--white); }

/* ── TAGS ─────────────────────────────────────────────── */
.tag {
  display: inline-block;
  padding: 4px 12px;
  background: var(--gray-100);
  border-radius: 20px;
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--navy);
  transition: background .15s, color .15s;
}
.tag:hover { background: var(--navy); color: var(--white); }
.tag-gold { background: rgba(184,149,42,0.12); color: var(--gold); }
.tag-emerald { background: rgba(45,125,111,0.1); color: var(--emerald); }
.tags-wrap { display: flex; flex-wrap: wrap; gap: 8px; }

/* ── GLOSSARY ─────────────────────────────────────────── */
.glossary-alpha { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 36px; }
.alpha-link {
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1.5px solid var(--border);
  border-radius: var(--r);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
  transition: all .15s;
}
.alpha-link:hover, .alpha-link.active { background: var(--navy); color: var(--white); border-color: var(--navy); }
.alpha-link.disabled { color: var(--gray-400); border-color: var(--gray-200); pointer-events: none; }
.glossary-group { margin-bottom: 48px; }
.glossary-group-letter {
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold);
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--border);
}
.glossary-term { border-bottom: 1px solid var(--border); padding: 18px 0; }
.glossary-term:last-child { border-bottom: none; }
.glossary-term dt { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.glossary-term dd { font-size: 0.9rem; color: var(--gray-600); line-height: 1.65; }

/* ── RESEARCH CARDS ───────────────────────────────────── */
.research-card {
  display: flex;
  gap: 20px;
  padding: 24px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  transition: box-shadow .2s;
}
.research-card:hover { box-shadow: var(--sh-md); }
.research-card-icon {
  width: 52px;
  height: 52px;
  background: var(--gray-100);
  border-radius: 10px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
}
.research-card-body h4 { margin-bottom: 6px; }
.research-card-body p  { font-size: 0.875rem; color: var(--gray-600); margin-bottom: 12px; }
.research-meta { display: flex; gap: 14px; font-size: 0.8rem; color: var(--gray-400); flex-wrap: wrap; }

/* ── INDICATORS PAGE ──────────────────────────────────── */
.indicator-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 28px;
}
.indicator-card h3 { margin-bottom: 12px; }
.indicator-value {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 4px;
}
.indicator-trend {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.875rem;
  font-weight: 600;
  margin-bottom: 14px;
}
.indicator-trend.up   { color: #16A34A; }
.indicator-trend.down { color: #DC2626; }
.indicator-desc { font-size: 0.875rem; color: var(--gray-600); line-height: 1.6; }

/* ── CONTACT ──────────────────────────────────────────── */
.contact-layout { display: grid; grid-template-columns: 5fr 4fr; gap: 60px; }
.contact-info-item { display: flex; gap: 16px; margin-bottom: 28px; }
.contact-info-icon {
  width: 44px;
  height: 44px;
  background: rgba(13,30,61,0.07);
  border-radius: 10px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: var(--navy);
}
.contact-info-content h5 { color: var(--navy); margin-bottom: 4px; }
.contact-info-content p  { font-size: 0.9rem; color: var(--gray-600); margin: 0; }
.contact-info-content a  { color: var(--navy); font-weight: 500; transition: color .15s; }
.contact-info-content a:hover { color: var(--gold); }

/* ── PAGINATION ───────────────────────────────────────── */
.pagination { display: flex; align-items: center; gap: 6px; justify-content: center; margin-top: 48px; }
.page-btn {
  width: 38px; height: 38px;
  display: flex; align-items: center; justify-content: center;
  border: 1.5px solid var(--border);
  border-radius: var(--r);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
  cursor: pointer;
  transition: all .15s;
}
.page-btn:hover, .page-btn.active { background: var(--navy); color: var(--white); border-color: var(--navy); }

/* ── NEWSLETTER ───────────────────────────────────────── */
.newsletter-block {
  background: var(--navy);
  border-radius: var(--r-lg);
  padding: 56px 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}
.newsletter-block h2 { color: var(--white); margin-bottom: 10px; }
.newsletter-block p  { color: rgba(255,255,255,0.7); max-width: 440px; font-size: 1rem; margin: 0; }
.newsletter-form { display: flex; gap: 10px; flex-shrink: 0; }
.newsletter-input {
  padding: 12px 18px;
  border: 1.5px solid rgba(255,255,255,0.2);
  border-radius: var(--r);
  background: rgba(255,255,255,0.08);
  color: var(--white);
  font-size: 0.9375rem;
  width: 260px;
  outline: none;
  transition: border-color .2s;
}
.newsletter-input::placeholder { color: rgba(255,255,255,0.45); }
.newsletter-input:focus { border-color: var(--gold); }

/* ── PROCESS STEPS ────────────────────────────────────── */
.steps { display: flex; flex-direction: column; gap: 0; }
.step { display: flex; gap: 24px; padding: 28px 0; border-bottom: 1px solid var(--border); }
.step:last-child { border-bottom: none; }
.step-number {
  width: 44px; height: 44px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  font-weight: 700;
  flex-shrink: 0;
}
.step-body h4 { margin-bottom: 6px; }
.step-body p  { font-size: 0.9rem; color: var(--gray-600); margin: 0; }

/* ── QUOTE BLOCK ──────────────────────────────────────── */
.pull-quote {
  background: var(--navy);
  border-radius: var(--r-lg);
  padding: 36px 40px;
  color: var(--white);
  margin: 40px 0;
}
.pull-quote p { font-size: 1.125rem; font-style: italic; line-height: 1.7; margin-bottom: 14px; color: rgba(255,255,255,0.9); }
.pull-quote cite { font-size: 0.875rem; color: var(--gold); font-weight: 600; font-style: normal; }

/* ── ABOUT SPLIT ──────────────────────────────────────── */
.split-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split-layout img { border-radius: var(--r-lg); box-shadow: var(--sh-lg); width: 100%; }
.split-layout.reverse { direction: rtl; }
.split-layout.reverse > * { direction: ltr; }

/* ── CATEGORY FILTERS ─────────────────────────────────── */
.filter-bar { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 36px; }
.filter-btn {
  padding: 7px 16px;
  border: 1.5px solid var(--border);
  border-radius: 20px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--gray-600);
  cursor: pointer;
  background: var(--white);
  transition: all .15s;
}
.filter-btn:hover, .filter-btn.active { background: var(--navy); color: var(--white); border-color: var(--navy); }

/* ── MARKETS TABLE SECTION ────────────────────────────── */
.market-section-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--border);
}
.market-section-header h3 { margin: 0; }

/* ── FOOTER ───────────────────────────────────────────── */
.site-footer { background: var(--navy); color: rgba(255,255,255,0.72); }
.footer-top { padding: 64px 0 48px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; }
.footer-brand .logo-name { color: var(--white); }
.footer-brand .logo-tagline { color: rgba(255,255,255,0.5); }
.footer-brand p { font-size: 0.875rem; margin-top: 14px; line-height: 1.65; max-width: 280px; }
.footer-col h5 { color: var(--white); font-size: 0.875rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 18px; padding-bottom: 10px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col a { font-size: 0.875rem; color: rgba(255,255,255,0.65); transition: color .15s; }
.footer-col a:hover { color: var(--gold); }
.footer-contact-item { display: flex; align-items: flex-start; gap: 10px; font-size: 0.875rem; margin-bottom: 12px; }
.footer-contact-icon { color: var(--gold); margin-top: 2px; flex-shrink: 0; }
.footer-bottom { padding: 20px 0; }
.footer-bottom-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.footer-copy { font-size: 0.8125rem; color: rgba(255,255,255,0.45); }
.footer-policy-links { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-policy-links a { font-size: 0.8125rem; color: rgba(255,255,255,0.5); transition: color .15s; }
.footer-policy-links a:hover { color: var(--gold); }
.footer-disclaimer { font-size: 0.775rem; color: rgba(255,255,255,0.35); line-height: 1.55; padding-top: 16px; border-top: 1px solid rgba(255,255,255,0.07); margin-top: 16px; }

/* ── POLICY PAGES ─────────────────────────────────────── */
.policy-content { max-width: 860px; }
.policy-content h2 { margin: 40px 0 14px; font-size: 1.375rem; }
.policy-content h3 { margin: 28px 0 10px; font-size: 1.1rem; color: var(--navy); }
.policy-content p  { margin-bottom: 16px; font-size: 0.9375rem; line-height: 1.75; }
.policy-content ul, .policy-content ol { margin: 0 0 16px 24px; }
.policy-content ul { list-style: disc; }
.policy-content ol { list-style: decimal; }
.policy-content li { margin-bottom: 8px; font-size: 0.9375rem; line-height: 1.65; }
.policy-meta { background: var(--gray-50); border: 1px solid var(--border); border-radius: var(--r); padding: 16px 20px; margin-bottom: 36px; font-size: 0.875rem; color: var(--gray-600); display: flex; gap: 24px; flex-wrap: wrap; }
.policy-meta strong { color: var(--navy); }
.toc { background: var(--gray-50); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 24px; margin-bottom: 36px; }
.toc h4 { color: var(--navy); margin-bottom: 14px; font-size: 0.9375rem; }
.toc ol { margin: 0 0 0 18px; list-style: decimal; }
.toc li { margin-bottom: 7px; }
.toc a { color: var(--navy-light); font-size: 0.875rem; transition: color .15s; }
.toc a:hover { color: var(--gold); }

/* ── FOOTER (alt layout used in policy pages) ─────────── */
.footer-main {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding: 64px 0 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.footer-logo-name { font-size: 1.375rem; font-weight: 800; color: var(--white); letter-spacing: -0.02em; }
.footer-logo-tagline { font-size: 0.7rem; font-weight: 500; color: rgba(255,255,255,0.5); letter-spacing: 0.05em; text-transform: uppercase; }
.footer-desc { font-size: 0.875rem; line-height: 1.65; max-width: 280px; margin-bottom: 18px; }
.footer-address { font-size: 0.85rem; line-height: 1.7; }
.footer-address p { margin-bottom: 6px; }
.footer-address a { color: var(--gold); transition: color .15s; }
.footer-address a:hover { color: var(--gold-light); }
.footer-heading { color: var(--white); font-size: 0.875rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 18px; padding-bottom: 10px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 0.875rem; color: rgba(255,255,255,0.65); transition: color .15s; }
.footer-links a:hover { color: var(--gold); }
.footer-bottom { padding: 24px 0; text-align: center; }
.footer-bottom p { font-size: 0.8125rem; color: rgba(255,255,255,0.45); margin-bottom: 4px; }
.footer-disclaimer { font-size: 0.775rem; color: rgba(255,255,255,0.3) !important; }

/* ── SITEMAP ──────────────────────────────────────────── */
.sitemap-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 36px; }
.sitemap-section { margin-bottom: 32px; }
.sitemap-heading {
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gold);
  display: flex;
  align-items: center;
  gap: 8px;
}
.sitemap-heading svg { color: var(--gold); flex-shrink: 0; }
.sitemap-list { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.sitemap-list a { font-size: 0.9rem; color: var(--gray-600); transition: color .15s, border-color .15s; padding-left: 12px; border-left: 2px solid transparent; display: block; }
.sitemap-list a:hover { color: var(--gold); border-left-color: var(--gold); }
.sitemap-section h3 { font-size: 1rem; color: var(--navy); margin-bottom: 14px; padding-bottom: 10px; border-bottom: 2px solid var(--gold); display: flex; align-items: center; gap: 8px; }
.sitemap-section ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.sitemap-section a { font-size: 0.9rem; color: var(--gray-600); transition: color .15s; padding-left: 12px; border-left: 2px solid transparent; display: block; }
.sitemap-section a:hover { color: var(--gold); border-left-color: var(--gold); }

/* ── THANK YOU ────────────────────────────────────────── */
.ty-page {
  min-height: 80vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 80px 24px;
}
.ty-box { max-width: 560px; }
.ty-icon {
  width: 80px;
  height: 80px;
  background: #F0FDF4;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin: 0 auto 28px;
  border: 2px solid #BBF7D0;
}
.ty-box h1 { font-size: 2rem; margin-bottom: 14px; }
.ty-box p  { color: var(--gray-600); font-size: 1.0625rem; margin-bottom: 28px; }

/* ── RESPONSIVE ───────────────────────────────────────── */
@media (max-width: 1100px) {
  .article-layout { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-main { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 960px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .featured-article { grid-template-columns: 1fr; }
  .featured-article-img { height: 240px; }
  .split-layout { grid-template-columns: 1fr; gap: 36px; }
  .split-layout.reverse { direction: ltr; }
  .contact-layout { grid-template-columns: 1fr; gap: 40px; }
  .newsletter-block { flex-direction: column; padding: 40px; }
  .newsletter-form { flex-direction: column; width: 100%; }
  .newsletter-input { width: 100%; }
  .hero-stats-inner { flex-wrap: wrap; }
  .hero-stat { flex: 0 0 50%; border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); }
  .stats-bar-inner { flex-wrap: wrap; }
  .stat-item { flex: 0 0 50%; border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); padding: 16px; }
  .sitemap-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .main-nav  { display: none; }
  .header-cta .btn { display: none; }
  .burger { display: flex; }
  .section { padding: 56px 0; }
  .section-lg { padding: 72px 0; }
  .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-main { grid-template-columns: 1fr; padding: 40px 0 32px; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
  .hero-content { padding: 60px 0 120px; }
  .top-bar-left, .ticker-wrap { display: none; }
  .page-hero { padding: 48px 0 40px; }
  .sitemap-grid { grid-template-columns: 1fr; }
  .index-bar-inner { gap: 0; }
  .article-header h1 { font-size: 1.6rem; }
}
@media (max-width: 480px) {
  .grid-4 { grid-template-columns: 1fr; }
  .hero h1 { font-size: 1.8rem; }
  .newsletter-block { padding: 28px 20px; }
  .hero-actions { flex-direction: column; }
  .hero-stats-inner { flex-direction: column; }
  .hero-stat { flex: none; width: 100%; }
}