:root{
  --navy:#0a1c33; --navy-2:#14304f; --navy-3:#1d3f66;
  --ink:#16202e; --body:#3f4a59; --muted:#636e7d; --faint:#98a2af;
  --line:#dfe4ea; --line-2:#edf0f4; --bg:#fff; --bg-2:#f6f8fa; --bg-3:#eef2f6;
  --accent:#0c6b86; --accent-d:#095870; --accent-l:#e6f1f5;
  --mono:ui-monospace,"SFMono-Regular",Menlo,Consolas,"Liberation Mono",monospace;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --max:1140px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font:16px/1.65 var(--sans);color:var(--body);background:var(--bg);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;text-align:left;-webkit-hyphens:manual;hyphens:manual}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:2px}
img,svg{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 32px}
.skip{position:absolute;left:-9999px;top:0;background:#fff;color:var(--navy);padding:12px 18px;z-index:100;font-weight:600}
.skip:focus{left:0}

/* utilities (replace inline styles: CSP is style-src 'self') */
.mt-s{margin-top:16px}
.mt-l{margin-top:52px}
.small-muted{margin-top:26px;font-size:14px;color:var(--muted)}
.on-dark{color:#fff;text-decoration:underline}
.on-light{color:var(--accent);text-decoration:underline}
.legal-prose{max-width:80ch}

/* header */
header.site{border-bottom:1px solid var(--line);background:rgba(255,255,255,.96);backdrop-filter:saturate(180%) blur(8px);position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:68px}
.brand{display:flex;align-items:center;gap:11px;flex-shrink:0}
.brand:hover{text-decoration:none}
.brand .name{font-size:20px;font-weight:700;color:var(--navy);letter-spacing:-.35px;line-height:1}
.brand .name em{font-style:normal;font-weight:400;color:var(--accent)}
nav.main ul{display:flex;gap:28px;list-style:none;align-items:center}
nav.main a{font-size:14px;font-weight:600;color:var(--ink);letter-spacing:.005em}
nav.main a:hover{color:var(--accent);text-decoration:none}
nav.main a[aria-current="page"]{color:var(--accent);box-shadow:inset 0 -2px 0 var(--accent)}
.hdr-r{display:flex;align-items:center;gap:22px}
.langs{display:flex;align-items:center;gap:8px;white-space:nowrap}
.langs a{color:var(--muted);font-weight:600;font-size:12px;letter-spacing:.06em}
.langs a[aria-current]{color:var(--navy);text-decoration:underline;text-underline-offset:4px}
.langs .sep{color:var(--line)}
.btn{display:inline-block;background:var(--navy);color:#fff;font-weight:600;font-size:14px;padding:11px 20px;border-radius:2px;border:1px solid var(--navy);white-space:nowrap}
.btn:hover{background:var(--navy-2);border-color:var(--navy-2);text-decoration:none;color:#fff}
.btn.sm{padding:9px 16px;font-size:13.5px}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.btn-light:hover{background:#e8eef4;border-color:#e8eef4;color:var(--navy)}

/* hero (home) */
.hero{background:var(--navy);color:#fff;padding:80px 0 76px;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;pointer-events:none;
 background:linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px) 0 0/72px 72px,
            linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px) 0 0/72px 72px;
 -webkit-mask-image:linear-gradient(255deg,rgba(0,0,0,.7),transparent 60%);
 mask-image:linear-gradient(255deg,rgba(0,0,0,.7),transparent 60%)}
.hero .wrap{position:relative}
.hero h1{font-size:42px;line-height:1.13;font-weight:700;letter-spacing:-.9px;max-width:18ch;margin-bottom:22px}
.hero p.lead{font-size:18px;line-height:1.55;color:#c3d2e0;max-width:52ch}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:64px;align-items:center}
.hero-links{display:flex;gap:24px;align-items:center;margin-top:28px;flex-wrap:wrap}
.hero-links a.txt{color:#c3d2e0;font-weight:600;font-size:14px}
.hero-links a.txt:hover{text-decoration:underline}

/* sub-page title band */
.hero.sub{background:var(--bg-2);color:var(--navy);padding:56px 0 48px;border-bottom:1px solid var(--line)}
.hero.sub:before{display:none}
.hero.sub h1{color:var(--navy);font-size:36px;max-width:26ch;margin-bottom:14px}
.hero.sub p.lead{color:var(--body);font-size:18px;max-width:62ch}

/* record card */
.rec{background:#0f2541;border:1px solid rgba(255,255,255,.14);margin:0}
.rec-h{display:flex;justify-content:space-between;gap:16px;padding:10px 20px;border-bottom:1px solid rgba(255,255,255,.14);font-size:11.5px;letter-spacing:.08em;text-transform:uppercase;color:#8aa0b8;font-weight:600}
.rec-h .mono{letter-spacing:0;text-transform:none;color:#c3d2e0}
.rec dl{padding:3px 20px}
.rec dl div{display:grid;grid-template-columns:150px 1fr;gap:12px;padding:2px 0;border-bottom:1px solid rgba(255,255,255,.07);font-family:var(--mono);font-size:12.5px;line-height:1.36}
.rec dl div:last-child{border-bottom:0}
.rec dt{color:#7fb3c7}
.rec dd{color:#fff;overflow-wrap:anywhere}
.rec .val dd{font-size:14px;font-weight:700}
.rec figcaption{padding:10px 20px 12px;border-top:1px solid rgba(255,255,255,.14);font-size:12.5px;line-height:1.5;color:#8aa0b8}
.rec figcaption a{color:#c3d2e0;text-decoration:underline}

/* strip */
.strip{background:var(--bg-2);border-bottom:1px solid var(--line)}
.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.strip .cell{padding:22px 24px 20px;border-right:1px solid var(--line)}
.strip .cell:first-child{padding-left:0}
.strip .cell:last-child{border-right:0;padding-right:0}
.strip .k{font-size:11px;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);font-weight:700;margin-bottom:7px}
.strip .v{font-size:15px;font-weight:600;color:var(--navy);line-height:1.42}

/* sections */
section{padding:80px 0}
section.alt{background:var(--bg-2)}
.sec-head{max-width:none;margin-bottom:32px}
h2{font-size:30px;line-height:1.22;font-weight:700;color:var(--navy);letter-spacing:-.5px;margin-bottom:14px}
h3{font-size:17.5px;color:var(--navy);font-weight:700;letter-spacing:-.1px}
.sec-head p{font-size:17px;color:var(--body);max-width:64ch}
.prose p{margin-bottom:16px}
.prose p:last-child{margin-bottom:0}
.prose h3{margin:34px 0 12px}
.prose h3.d-h{margin:0 0 12px}
.prose h4{font-size:15px;color:var(--navy);margin:26px 0 8px;font-weight:700}
.prose ul,.prose ol{margin:0 0 18px 20px}
.prose li{margin-bottom:8px}
.prose p,.prose ul,.sec-head p,.tbl-note{max-width:68ch}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;align-items:start}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:start}

.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--navy);padding:28px 26px}
.card h3{margin-bottom:10px}
.card p{font-size:14.5px}
.card ul{list-style:none;margin-top:16px}
.card li{font-size:14px;padding:8px 0;border-top:1px solid var(--line-2);color:var(--ink)}
.card li:first-child{border-top:0}

/* markets grid */
.mkts{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.mkts li{padding:16px 18px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.mkts .c{display:block;font-weight:600;color:var(--navy);font-size:15px}
.mkts .a{display:block;font-family:var(--mono);font-size:12.5px;color:var(--muted);margin-top:2px}
.mkts-eu{margin-top:18px;font-size:14.5px;max-width:68ch}

/* contact band */
section.cta{background:var(--bg-3);padding:56px 0;border-top:1px solid var(--line)}
.cta-in{display:flex;justify-content:space-between;align-items:center;gap:32px}
.cta h2{font-size:24px;margin-bottom:6px}
.cta p{max-width:60ch}

/* tables */
.tbl-wrap{overflow-x:auto;border:0;background:transparent}
table{width:100%;border-collapse:collapse;font-size:14px;table-layout:fixed}
caption{caption-side:bottom;text-align:left;font-size:13px;color:var(--muted);padding:12px 0 0;background:none;border:0}
th{background:none;color:var(--muted);text-align:left;font-weight:600;font-size:12px;letter-spacing:.06em;text-transform:uppercase;padding:0 16px 10px 0;border-bottom:2px solid var(--navy);white-space:normal;vertical-align:bottom}
td{padding:13px 16px 13px 0;border-bottom:1px solid var(--line);vertical-align:top;color:var(--ink);overflow-wrap:anywhere}
tbody th[scope=row]{padding:13px 16px 13px 0;border-bottom:1px solid var(--line);vertical-align:top;font-size:14px;letter-spacing:0;text-transform:none;font-weight:600;color:var(--navy)}
.tbl-nat tbody th{white-space:nowrap}
tbody tr:hover td{background:none}
td:first-child,th:first-child{padding-left:0}
td.mono,.mono{font-family:var(--mono);font-size:13px;color:var(--navy)}
td.num{text-align:right;font-variant-numeric:tabular-nums}
.tbl-note{font-size:13px;color:var(--muted);margin-top:14px}
.notes{display:grid;grid-template-columns:1fr 1fr;gap:16px 40px;margin-top:6px}
.notes .tbl-note{max-width:none}
.tbl-nat col:nth-child(1){width:16%}.tbl-nat col:nth-child(2){width:26%}.tbl-nat col:nth-child(3){width:34%}.tbl-nat col:nth-child(4){width:24%}
.tbl-eu col:nth-child(1){width:24%}.tbl-eu col:nth-child(2){width:76%}
.tbl-fmt col:nth-child(1){width:24%}.tbl-fmt col:nth-child(2){width:22%}.tbl-fmt col:nth-child(3){width:54%}

/* steps */
.steps{counter-reset:s;list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:26px;margin:0}
.steps li{counter-increment:s;padding-top:18px;border-top:2px solid var(--navy);margin:0}
.steps li:before{content:"0" counter(s);display:block;font-family:var(--mono);font-size:12px;letter-spacing:.1em;color:var(--accent);font-weight:700;margin-bottom:10px}
.steps h3{font-size:16px;margin-bottom:8px}
.steps p{font-size:14.5px}

/* policy rows */
.policy{border-top:2px solid var(--navy)}
.policy .pr{display:grid;grid-template-columns:260px minmax(0,68ch);gap:40px;padding:28px 0;border-bottom:1px solid var(--line)}
.policy h3{font-size:16.5px;margin:0}
.policy .pt p+p{margin-top:12px}

/* definition list */
.defs{border-top:1px solid var(--line)}
.defs .row{display:grid;grid-template-columns:150px 1fr;gap:24px;padding:16px 0;border-bottom:1px solid var(--line)}
.defs dt{font-weight:700;color:var(--navy);font-size:14.5px}
.defs dd{font-size:14.5px}
.grid-2 .defs .row{grid-template-columns:110px 1fr;gap:20px;padding:13px 0}
.grid-2 .defs dt{font-family:var(--mono);font-size:13.5px}

/* footer */
footer.site{background:var(--navy);color:#93a6bc;padding:52px 0 40px;font-size:13.5px;margin-top:0}
footer.site a{color:#c3d2e0}
footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.12)}
footer.site .brand .name{color:#fff}
footer.site .brand .name em{color:#7fb3c7}
footer.site p{line-height:1.62;max-width:44ch;margin-top:14px}
footer.site h4{font-size:11px;letter-spacing:.13em;text-transform:uppercase;color:#fff;font-weight:700;margin-bottom:14px}
footer.site ul{list-style:none}
footer.site li{margin-bottom:9px}
footer.site .legal{padding-top:26px;font-size:12.5px;color:#7c8ea6;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
footer.site .legal p{margin:0;max-width:72ch}

@media(max-width:920px){
  .wrap{padding:0 22px}
  header.site{position:static}
  header.site .wrap{flex-wrap:wrap;min-height:0;padding-top:12px;padding-bottom:0;gap:0}
  .brand{order:1}
  .hdr-r{order:2;margin-left:auto;gap:14px}
  nav.main{display:block;order:3;width:100%;border-top:1px solid var(--line-2);margin-top:12px}
  nav.main ul{gap:24px;padding:12px 0;overflow-x:auto}
  nav.main a{font-size:14px;white-space:nowrap}
  .hero{padding:56px 0 52px}
  .hero-grid{grid-template-columns:1fr;gap:36px}
  .hero h1{font-size:32px;letter-spacing:-.5px}
  .hero.sub{padding:44px 0 38px}
  .hero.sub h1{font-size:28px}
  h2{font-size:25px}
  section{padding:56px 0}
  .strip .wrap{grid-template-columns:1fr 1fr}
  .strip .cell,.strip .cell:first-child,.strip .cell:last-child{border-right:0;border-bottom:1px solid var(--line);padding:16px 12px 14px 0}
  .mkts{grid-template-columns:repeat(2,1fr)}
  .grid-3,.grid-2,.notes,footer.site .cols{grid-template-columns:1fr}
  .grid-2{gap:40px}
  .steps{grid-template-columns:1fr 1fr;gap:28px 22px}
  .defs .row,.grid-2 .defs .row{grid-template-columns:1fr;gap:4px}
  footer.site .cols{gap:32px}
}
@media(max-width:820px){.policy .pr{grid-template-columns:1fr;gap:8px}}
@media(max-width:720px){
  .cta-in{flex-direction:column;align-items:flex-start}
  table.stack,table.stack tbody,table.stack tr,table.stack td,table.stack tbody th{display:block;width:100%}
  table.stack thead{position:absolute;left:-9999px}
  table.stack colgroup{display:none}
  table.stack{display:flex;flex-direction:column}
  table.stack caption{display:block;order:2;padding-top:14px}
  table.stack tr{padding:14px 0;border-bottom:1px solid var(--line)}
  table.stack td,table.stack tbody th{border:0;padding:3px 0;white-space:normal}
  table.stack td[data-label]:before{content:attr(data-label);display:block;font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-top:6px}
  table.stack td:first-child,table.stack tbody th:first-child{font-size:16px}
}
@media(max-width:520px){.steps{grid-template-columns:1fr}}
@media(max-width:480px){.rec dl div{grid-template-columns:128px 1fr}}
@media(max-width:360px){.strip .wrap{grid-template-columns:1fr}}
@media print{
  header.site,.btn{display:none}
  body{font-size:11pt}
  .hero{background:#fff;color:#000}
  .hero h1{color:#000}
}