:root{
  --bg-base:#f4f6f9;
  --panel:#fff;
  --panel-2:#eef1f6;
  --text-light:#141820;
  --bull:#00C582;
  --bear:#FF4A5A;
  --system:#3B82F6;
  --border:#d8dee8;
  --muted:#5b6573;
  --radius:10px;
  --radius-sm:6px;
  --shadow-sm:0 1px 3px rgba(20,24,32,.08);
  --shadow-md:0 6px 20px rgba(20,24,32,.10);
  --shadow-lg:0 14px 40px rgba(20,24,32,.16);
  --header-h:64px;
  --maxw:1180px;
  --space:clamp(16px,4vw,28px);
  --ff-body:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --ff-display:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--ff-body);background:var(--bg-base);color:var(--text-light);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4,h5,h6{margin:0 0 .5em;font-family:var(--ff-display);font-weight:700;line-height:1.2;color:var(--text-light)}
h1{font-size:clamp(1.9rem,5vw,3rem);letter-spacing:-.02em}
h2{font-size:clamp(1.5rem,3.5vw,2.2rem);letter-spacing:-.01em}
h3{font-size:clamp(1.15rem,2.5vw,1.4rem)}
p{margin:0 0 1em}
a{color:var(--system);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}
ul,ol{margin:0 0 1em;padding-left:1.2em}
button{font-family:inherit;font-size:inherit;cursor:pointer}
hr{border:0;border-top:1px solid var(--border);margin:2rem 0}
table{border-collapse:collapse;width:100%}
:focus-visible{outline:2px solid var(--system);outline-offset:2px}

.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 var(--space)}
.section{padding:clamp(40px,7vw,80px) 0}
.section-alt{background:var(--panel-2)}
.section-head{max-width:720px;margin:0 0 2rem}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head .eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--system);margin-bottom:.5rem}
.section-head p{color:var(--muted);font-size:1.05rem}
.lead{font-size:1.15rem;color:var(--muted)}
.muted{color:var(--muted)}
.text-bull{color:var(--bull)}
.text-bear{color:var(--bear)}
.text-system{color:var(--system)}
.center{text-align:center}

/* GRID */
.grid{display:grid;gap:clamp(16px,3vw,28px)}
.grid-2{grid-template-columns:1fr}
.grid-3{grid-template-columns:1fr}
.grid-4{grid-template-columns:1fr 1fr}
@media(min-width:640px){.grid-2{grid-template-columns:1fr 1fr}.grid-3{grid-template-columns:1fr 1fr}}
@media(min-width:780px){.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;padding:.75em 1.5em;border-radius:var(--radius-sm);border:1px solid transparent;font-weight:600;font-size:.98rem;line-height:1;text-decoration:none;transition:transform .15s ease,box-shadow .15s ease,background .15s ease;white-space:nowrap}
.btn:hover{text-decoration:none}
.btn-primary{background:var(--system);color:#fff;border-color:var(--system)}
.btn-primary:hover{background:#2f6fd6;box-shadow:var(--shadow-md);transform:translateY(-1px);color:#fff}
.btn-secondary{background:var(--panel);color:var(--text-light);border-color:var(--border)}
.btn-secondary:hover{background:var(--panel-2);box-shadow:var(--shadow-sm)}
.btn-ghost{background:transparent;color:var(--system);border-color:var(--system)}
.btn-ghost:hover{background:rgba(59,130,246,.08)}
.btn-lg{padding:.95em 2em;font-size:1.05rem}
.btn-block{display:flex;width:100%}

/* SCROLL PROGRESS */
#scroll-progress{position:fixed;top:0;left:0;height:2px;width:0;background:var(--system);z-index:1000;transition:width .05s linear}

/* HEADER */
.site-header{position:sticky;top:0;z-index:900;background:rgba(255,255,255,.95);backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--border);transition:box-shadow .2s ease,padding .2s ease}
.site-header.is-shrunk{box-shadow:var(--shadow-sm)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:var(--header-h);padding:0 var(--space);max-width:var(--maxw);margin:0 auto;transition:min-height .2s ease}
.site-header.is-shrunk .header-inner{min-height:54px}
.header-logo{display:none}
.brand-mark{font-family:var(--ff-display);font-weight:800;font-size:1.25rem;letter-spacing:-.02em;color:var(--text-light);text-decoration:none}
.brand-mark span{color:var(--system)}

#hamburger-btn{display:inline-flex;flex-direction:column;justify-content:center;gap:5px;width:42px;height:42px;padding:9px;background:transparent;border:1px solid var(--border);border-radius:var(--radius-sm)}
#hamburger-btn span{display:block;height:2px;width:100%;background:var(--text-light);border-radius:2px;transition:transform .2s ease,opacity .2s ease}
#main-nav.is-open ~ #hamburger-btn span:nth-child(1),#hamburger-btn.is-active span:nth-child(1){transform:translateY(7px) rotate(45deg)}

/* NAV */
#main-nav{position:fixed;top:0;right:0;height:100vh;width:min(86vw,340px);background:var(--panel);box-shadow:var(--shadow-lg);transform:translateX(100%);transition:transform .28s ease;z-index:950;overflow-y:auto;padding:calc(var(--header-h) + 12px) 18px 30px;display:flex;flex-direction:column;align-items:stretch;gap:2px}
#main-nav.is-open{transform:translateX(0)}
.nav-item.has-dropdown{position:relative}
.nav-link{display:flex;align-items:center;justify-content:space-between;width:100%;padding:.7em .6em;font-weight:600;color:var(--text-light);background:none;border:0;text-align:left;border-radius:var(--radius-sm)}
.nav-link:hover{background:var(--panel-2);text-decoration:none}
ul.dropdown{list-style:none;margin:0;padding:0 0 .4em .6em;max-height:0;overflow:hidden;transition:max-height .25s ease}
.nav-item.has-dropdown.open ul.dropdown{max-height:420px}
ul.dropdown li a{display:block;padding:.5em .6em;color:var(--muted);font-size:.95rem;border-radius:var(--radius-sm)}
ul.dropdown li a:hover{background:var(--panel-2);color:var(--text-light);text-decoration:none}
.nav-cta{margin-top:1rem}
.nav-cta .btn{width:100%}

.nav-backdrop{position:fixed;inset:0;background:rgba(20,24,32,.45);opacity:0;visibility:hidden;transition:opacity .25s ease;z-index:940}
.nav-backdrop.is-visible{opacity:1;visibility:visible}

@media(min-width:780px){
  #hamburger-btn{display:none}
  .nav-backdrop{display:none}
  #main-nav{position:static;height:auto;width:auto;background:none;box-shadow:none;transform:none;overflow:visible;padding:0;flex-direction:row;display:flex;align-items:center;justify-content:flex-end;gap:.2rem}
  .nav-link{padding:.55em .7em;white-space:nowrap}
  ul.dropdown{position:absolute;top:100%;left:0;min-width:210px;background:var(--panel);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-md);padding:.4em;max-height:none;opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .18s ease,transform .18s ease,visibility .18s;z-index:20}
  .nav-item.has-dropdown:hover ul.dropdown,.nav-item.has-dropdown:focus-within ul.dropdown{opacity:1;visibility:visible;transform:translateY(0)}
  .nav-cta{margin-top:0;margin-left:.6rem}
  .nav-cta .btn{width:auto}
}

/* FOOTER */
.site-footer{background:#141820;color:#f4f6f9;padding:clamp(40px,6vw,64px) 0 28px;margin-top:auto}
.site-footer *{color:inherit}
.footer-grid{display:grid;gap:2rem;grid-template-columns:1fr}
@media(min-width:640px){.footer-grid{grid-template-columns:1.4fr 1fr 1fr}}
@media(min-width:780px){.footer-grid{grid-template-columns:1.6fr 1fr 1fr 1fr}}
.footer-brand .brand-mark{color:#f4f6f9;display:inline-block;margin-bottom:.6rem}
.footer-brand p{color:#aeb6c2;font-size:.92rem}
.footer-col h4{font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:#aeb6c2;margin-bottom:.9rem}
.footer-col ul{list-style:none;margin:0;padding:0}
.footer-col li{margin-bottom:.5rem}
.footer-col a{color:#d4dae3;font-size:.92rem}
.footer-col a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:2.4rem;padding-top:1.4rem;font-size:.82rem;color:#9aa3b0}
.footer-bottom .risk{background:rgba(255,74,90,.12);border:1px solid rgba(255,74,90,.3);border-radius:var(--radius-sm);padding:.9rem 1.1rem;margin-bottom:1.2rem;color:#f4f6f9;font-size:.85rem}

/* PAGE HERO / BREADCRUMB */
.page-hero{padding:clamp(36px,6vw,64px) 0 clamp(28px,4vw,40px)}
.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:1rem;list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.4em}
.breadcrumb li::after{content:'/';margin-left:.4em;color:var(--border)}
.breadcrumb li:last-child::after{content:''}

body{display:flex;flex-direction:column;min-height:100vh}
main{flex:1 0 auto}

/* SCROLL REVEAL */
html.js-ready .reveal{opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}
html.js-ready .reveal.is-visible{opacity:1;transform:none}

@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
  html.js-ready .reveal{opacity:1;transform:none}
}


/* agent-nav-patch v1 — #main-nav > .nav-item direct children (no .nav-list) */
.header-logo{font-family:var(--font-display);font-weight:800;font-size:1.35rem;color:var(--brand);text-decoration:none;letter-spacing:-.02em;flex-shrink:0}
.header-logo:hover{text-decoration:none;opacity:.9}
#main-nav .nav-link{white-space:nowrap}
.nav-item.active>.nav-link{color:var(--brand)}
.btn-primary{background:transparent;color:var(--brand);border-color:var(--brand)}
.btn-primary:hover{background:var(--brand);color:var(--brand-ink)}
.btn-sm{padding:.55rem 1rem;font-size:.85rem}
.nav-cta{flex-shrink:0}
@media(min-width:780px){
  #main-nav{display:flex!important;flex:1;align-items:center;justify-content:flex-end;gap:.15rem;min-width:0;margin-left:var(--space-sm)}
  #main-nav .nav-link{font-size:.84rem;padding:.5rem .6rem}
  #main-nav .nav-cta{margin-left:.35rem}
}
@media(min-width:900px){
  #main-nav .nav-link{font-size:.9rem;padding:.55rem .75rem}
}
@media(max-width:779px){
  #main-nav.is-open{display:flex!important;flex-direction:column;align-items:stretch;gap:.2rem}
  #main-nav.is-open .nav-cta{margin-top:var(--space-md);align-self:flex-start}
}