:root {
  --bg: #ffffff;
  --surface: #ffffff;
  --surface-2: #f9fafb;
  --stroke: rgba(0,0,0,0.12);
  --text: #111827;
  --muted: #4b5563;
  --accent: #1e40af; /* deeper corporate blue */
  --primary: #1e40af;
  --primary-2: #1e3a8a;
  --pos: #065f46;
  --warn: #92400e;
  --neg: #991b1b;
  --shadow: 0 4px 12px rgba(0,0,0,0.08);
  /* hero section palette for clearer block separation */
  --hero-1: #f1f5f9;  /* subtle blue-gray */
  --hero-2: #e2e8f0;  /* soft neutral */
}

* { box-sizing: border-box; }
html, body { height: 100%; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--text);
  font-size: 16px;
  line-height: 1.6;
  background: #ffffff;
}

.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.small { font-size: 15px; }
.center { text-align: center; }
.bold { font-weight: 700; }
.muted { color: var(--muted); }
.accent { color: var(--accent); }
.m-top-lg { margin-top: 32px; }
.overflow { overflow-x: auto; }

.card { border: 1px solid var(--stroke); border-radius: 8px; background: var(--surface); box-shadow: var(--shadow); }
.glass { backdrop-filter: blur(10px) saturate(120%); }

.btn { display: inline-flex; align-items: center; justify-content: center; border-radius: 6px; border: 1px solid transparent; padding: 12px 24px; font-weight: 600; font-size: 16px; cursor: pointer; transition: all .2s ease; }
.btn-small { padding: 10px 20px; font-size: 15px; }
.btn-large { padding: 16px 32px; font-size: 18px; }
.btn-primary { color: #ffffff; background: var(--primary); box-shadow: 0 2px 8px rgba(30,64,175,.2); }
.btn-primary:hover { background: var(--primary-2); box-shadow: 0 4px 12px rgba(30,64,175,.25); }
.btn-secondary { color: var(--text); background: #f3f4f6; border-color: var(--stroke); }
.btn-secondary:hover { background: #e5e7eb; }
.btn-ghost { color: var(--text); background: transparent; border-color: var(--stroke); }
.btn-ghost:hover { background: rgba(0,0,0,0.04); }

.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,0.95); backdrop-filter: blur(10px); border-bottom: 1px solid var(--stroke); }
.header-bar { display: flex; align-items: center; gap: 16px; height: 70px; }
.brand { font-weight: 700; letter-spacing: .3px; font-size: 20px; }
.nav { margin-left: auto; display: none; gap: 24px; }
.nav a { color: var(--muted); text-decoration: none; font-weight: 600; font-size: 15px; }
.nav a:hover { color: var(--text); }
@media (min-width: 840px) { .nav { display: flex; } }

.hero { padding: 80px 0 0; position: relative; background: linear-gradient(180deg, var(--hero-1) 0%, var(--hero-2) 100%); }
.hero-wrap { text-align: center; padding-bottom: 40px; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-bottom: 24px; }
.badge { background: #ffffff; border: 1px solid #d1d5db; padding: 8px 16px; border-radius: 4px; font-size: 13px; font-weight: 600; color: #374151; }
.hero-title { font-size: 48px; line-height: 1.2; margin: 16px auto 20px; max-width: 900px; letter-spacing: -.5px; font-weight: 700; }
.hero-sub { color: var(--muted); font-size: 20px; max-width: 800px; margin: 0 auto 28px; line-height: 1.5; }
.hero-cta { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; margin: 16px 0 24px; }
.note { display: inline-flex; align-items: center; gap: 10px; color: #374151; border: 1px solid rgba(0,0,0,.1); background: #ffffff; padding: 12px 16px; border-radius: 6px; font-size: 15px; }
.note-glow { box-shadow: 0 2px 8px rgba(0,0,0,.06); }
.icon { font-style: normal; }

.ticker { margin-top: 36px; border-top: 1px solid var(--stroke); border-bottom: 1px solid var(--stroke); background: #f9fafb; overflow: hidden; }
.ticker-track { display: flex; gap: 36px; padding: 14px 0; animation: marquee 26s linear infinite; white-space: nowrap; font-size: 15px; }
.ticker b { font-weight: 700; }
.pos { color: var(--pos); }
.warn { color: var(--warn); }
.neg { color: var(--neg); }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

.section { padding: 72px 0; }
.hero::after { content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 24px; background: linear-gradient(180deg, rgba(0,0,0,0.06) 0%, rgba(0,0,0,0.00) 100%); opacity: .25; pointer-events: none; }
.section-head { text-align: center; margin-bottom: 40px; }
.pill { display: inline-block; padding: 8px 16px; border: 1px solid var(--stroke); border-radius: 4px; font-weight: 600; font-size: 13px; color: var(--accent); background: #eff6ff; }
.title { font-size: 36px; margin: 16px 0 12px; font-weight: 700; line-height: 1.3; }
.sub { color: var(--muted); max-width: 760px; margin: 0 auto; font-size: 18px; line-height: 1.6; }

.table { width: 100%; border-collapse: collapse; min-width: 680px; }
.table thead th { text-align: left; color: var(--text); font-size: 13px; font-weight: 700; letter-spacing: .5px; text-transform: uppercase; padding: 16px; border-bottom: 2px solid var(--stroke); background: #f9fafb; }
.table tbody td { padding: 16px; border-bottom: 1px solid var(--stroke); font-size: 15px; }
.table .link { color: var(--primary); font-weight: 600; }
.table .emph { font-weight: 700; }
.table.small thead th, .table.small tbody td { padding: 12px 16px; }
.hide-sm { display: none; }
@media (min-width: 600px) { .hide-sm { display: table-cell; } }
.hide-md { display: none; }
@media (min-width: 900px) { .hide-md { display: table-cell; } }

.tabs { padding: 20px; }
.tab-list { display: flex; gap: 12px; border-bottom: 2px solid var(--stroke); padding: 0 0 4px; overflow: auto; }
.tab { appearance: none; background: transparent; color: var(--muted); border: none; border-bottom: 3px solid transparent; padding: 12px 20px; border-radius: 0; font-weight: 600; font-size: 15px; cursor: pointer; }
.tab.active { color: var(--primary); border-bottom-color: var(--primary); }
.tab-panel { display: none; padding: 24px 8px 8px; }
.tab-panel.active { display: block; }

.h3 { font-size: 24px; margin: 16px 0 12px; font-weight: 700; }
.h4 { font-size: 18px; margin: 16px 0 12px; color: var(--text); font-weight: 600; }
.stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin: 20px 0 16px; }
@media (min-width: 720px) { .stats { grid-template-columns: repeat(4, 1fr); } }
.stat { border: 1px solid var(--stroke); border-radius: 6px; padding: 16px; background: #f9fafb; }
.stat.span-2 { grid-column: span 2; }
.kpi { font-size: 28px; font-weight: 700; color: var(--text); }
.label { color: var(--muted); font-size: 13px; margin-top: 6px; font-weight: 500; }
.quote { font-style: italic; color: var(--text); font-weight: 500; font-size: 15px; }

.grid.features { display: grid; grid-template-columns: repeat(1, 1fr); gap: 20px; }
@media (min-width: 720px) { .grid.features { grid-template-columns: repeat(3, 1fr); } }
.feature { padding: 24px; }
.f-icon { font-size: 32px; margin-bottom: 12px; }
.f-title { font-weight: 700; margin-bottom: 8px; font-size: 18px; }
.f-text { color: var(--muted); font-size: 15px; line-height: 1.6; }

.faq { display: grid; gap: 12px; }
.faq-item { background: var(--surface); border: 1px solid var(--stroke); border-radius: 6px; overflow: hidden; }
.faq-q { width: 100%; background: transparent; color: var(--text); text-align: left; border: 0; padding: 18px 20px; font-weight: 600; font-size: 16px; cursor: pointer; display: flex; justify-content: space-between; align-items: center; }
.faq-a { display: none; padding: 0 20px 18px; color: var(--muted); font-size: 15px; line-height: 1.6; }
.faq-item.open .faq-a { display: block; }
.chev { color: var(--muted); font-size: 18px; }

.final { background: linear-gradient(180deg, #f1f5f9 0%, #ffffff 100%); }
.list { list-style: none; padding: 0; margin: 0 0 16px; display: grid; gap: 10px; color: var(--text); font-weight: 600; font-size: 17px; }
.list li::before { content: "✓ "; color: var(--primary); margin-right: 8px; font-weight: 700; }
.fine { color: var(--muted); margin-top: 12px; font-size: 14px; }

.site-footer { border-top: 1px solid var(--stroke); padding: 28px 0; background: rgba(255,255,255,0.7); }
.site-footer .links { display: flex; gap: 16px; justify-content: center; margin-top: 8px; }
.site-footer .links a { color: var(--muted); text-decoration: none; }
.site-footer .links a:hover { color: var(--text); }