@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Sans:wght@400;500;600;700&family=IBM+Plex+Serif:wght@500;600;700&display=swap');
:root{--dark:#080C1C;--deep:#050810;--card:#101C30;--blue:#4080F0;--light:#F0F4FF;--ink:#060810;--navy:#1A3890;--muted:#B0C0E0;--footer:#8090C8}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--light);color:var(--ink);font:16px/1.7 'IBM Plex Sans',sans-serif}h1,h2,h3{font-family:'IBM Plex Serif',serif;line-height:1.15;margin:0 0 20px}p{margin:0 0 18px}.container{width:min(1160px,calc(100% - 96px));margin:auto}.site-header{background:var(--dark);color:#fff;position:relative;z-index:3}.nav-wrap{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:32px}.logo{font:700 30px 'IBM Plex Serif',serif;color:#fff;text-decoration:none}.main-nav{display:flex;align-items:center;gap:22px}.main-nav a,.site-footer a{color:#fff;text-decoration:none;font-size:12px;text-transform:uppercase;letter-spacing:.06em}.main-nav a:hover,.site-footer a:hover{color:var(--blue)}.nav-cta{border:1px solid var(--blue);padding:10px 16px;color:var(--blue)!important}.menu-toggle{display:none;background:none;border:0;color:var(--blue);font-size:25px}.hero{min-height:50vh;position:relative;background:var(--dark);overflow:hidden;display:flex;align-items:center}.hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.55}.hero:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(0,0,0,.65),rgba(0,0,0,.35))}.hero-content{position:relative;z-index:1;color:#fff;max-width:820px;padding:100px 0}.hero h1{font-size:clamp(38px,6vw,58px);color:#fff}.hero p{font-size:20px;color:#B0C0E0;max-width:720px}.btn{display:inline-block;padding:14px 22px;background:var(--navy);color:#fff;text-decoration:none;border:1px solid var(--navy);margin:8px 10px 0 0}.btn.primary{background:var(--blue);border-color:var(--blue)}.btn.outline{background:transparent;border-color:#fff}.section{padding:92px 0}.dark-section{background:var(--dark);color:#fff}.dark-section h2,.dark-section h3,.dark-section p{color:#fff}.dark-section h3{color:var(--blue)}.light-section{background:var(--light);color:var(--ink)}.light-section h2,.light-section h3,.light-section p{color:var(--ink)}.light-section h3{color:var(--navy)}.section-head{max-width:760px;margin-bottom:42px}.section-head h2{font-size:clamp(30px,4vw,45px)}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{padding:28px;border:1px solid var(--navy);background:#fff}.dark-section .card{background:var(--card);border-color:var(--blue)}.card h3{font:600 23px 'IBM Plex Serif',serif}.split{display:grid;grid-template-columns:1.1fr 1fr;gap:46px;align-items:stretch}.split img,.feature-img{width:100%;height:300px;object-fit:cover}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.step{border-top:3px solid var(--blue);padding-top:18px}.step b,.number{font-size:45px;color:var(--blue);font-family:'IBM Plex Serif',serif}.quote{border-left:3px solid var(--blue);font:italic 23px/1.5 'IBM Plex Serif',serif;padding:12px 28px;max-width:880px}.risk-row{display:grid;grid-template-columns:110px 1fr;gap:25px;padding:28px 0;border-bottom:1px solid #c7d0e8}.number{color:var(--navy);opacity:.7}.page-hero{background:var(--dark);color:#fff;padding:88px 0}.page-hero h1,.page-hero p{color:#fff}.breadcrumbs{font-size:13px;color:var(--muted);margin-bottom:20px}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:46px}.article h2{font-size:32px;color:var(--navy);margin-top:38px}.article h3{font-size:23px;color:var(--navy);margin-top:28px}.article ul,.article ol{padding-left:24px}.article li{margin-bottom:10px}.sidebar{background:var(--dark);padding:25px;color:#fff;height:max-content;position:sticky;top:20px}.sidebar h3{font:600 12px 'IBM Plex Sans';color:var(--blue);text-transform:uppercase}.sidebar a{display:block;color:var(--muted);padding:8px 0;text-decoration:none}.sidebar a:hover{color:var(--blue)}.callout{padding:28px;background:#e1e9ff;border-left:4px solid var(--navy);margin:28px 0}.callout p,.callout h3{color:var(--ink)}table{width:100%;border-collapse:collapse;margin:25px 0;background:#fff}th,td{border:1px solid #b8c5e2;text-align:left;padding:14px}th{background:var(--navy);color:#fff}.form-grid{display:grid;gap:16px;max-width:680px}label{font-weight:600}input,textarea,select{width:100%;padding:14px;border:1px solid #2850A0;background:#fff;color:var(--ink);font:inherit}textarea{min-height:150px}.site-footer{background:var(--deep);color:var(--footer);padding:70px 0 20px}.site-footer .logo{display:block;margin-bottom:15px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:34px}.site-footer h3{font:600 11px 'IBM Plex Sans';text-transform:uppercase;color:var(--blue)}.site-footer a{display:block;color:var(--footer);margin:7px 0}.disclaimer{font-style:italic;color:#8090C8;font-size:13px}.copyright{border-top:1px solid #182044;margin-top:40px;padding-top:20px;text-align:center;color:#8090C8;font-size:11px;text-transform:uppercase}.cookie-banner{position:fixed;bottom:0;left:0;right:0;background:var(--dark);border:2px solid var(--blue);color:#fff;padding:18px 5%;display:flex;justify-content:space-between;align-items:center;gap:20px;z-index:5}.cookie-banner p{margin:0}.cookie-banner button{background:var(--blue);border:1px solid var(--blue);padding:10px 15px;color:#fff;margin:3px;cursor:pointer}.cookie-banner .outline{background:transparent;color:var(--blue)}.cookie-banner .text-btn{background:transparent;border-color:transparent;color:var(--muted)}.success{display:none;background:#1A5C2A;color:#fff;padding:14px}.mosaic{display:grid;grid-template-columns:2fr 1fr 1fr;gap:12px}.mosaic img{width:100%;height:240px;object-fit:cover}.mosaic img:first-child{height:240px;grid-row:span 2}.article img{width:100%;height:300px;object-fit:cover;margin:18px 0}
@media(max-width:768px){.container{width:min(100% - 48px,600px)}.main-nav{display:none;position:absolute;top:82px;left:0;right:0;background:var(--dark);padding:25px;flex-direction:column;align-items:flex-start}.main-nav.open{display:flex}.menu-toggle{display:block}
.hero-content{padding:70px 0}.grid-2,.grid-3,.split,.article-layout,.footer-grid{grid-template-columns:1fr}.steps{grid-template-columns:1fr 1fr}.sidebar{position:static}.section{padding:64px 0}.cookie-banner{display:block}.mosaic{grid-template-columns:1fr 1fr}.mosaic img:first-child{height:240px;grid-row:auto}}

/* TABLE-COLOR-FIX: readable text in tables */
td,th{color:#172033 !important}
table{width:100%;border-collapse:collapse;margin:16px 0}
th,td{padding:10px 14px;text-align:left;border:1px solid #d1d5db;color:#172033 !important}
thead th{background:#1e3a5f;color:#fff !important;font-weight:600}
tbody tr:nth-child(even) td{background:#f9fafb}
tbody tr:nth-child(odd) td{background:#ffffff}
tbody tr:hover td{background:#f0f4f8}
.dark table th,.dark table td,.hero table td,.stats table td,.cta table td{color:#fff !important}
/* HERO-SIZE-FIX: reduce oversized hero */
.hero{min-height:50vh !important;max-height:520px}
.hero img{object-fit:cover}
/* SPLIT-IMG-FIX: cap secondary large images */
.split img,.content-img img,.feature img,.visual img,.about img{
  max-height:300px;height:auto;object-fit:cover;width:100%;display:block}
/* CARD-IMG-FIX */
.card img,.article-card img,.info-card img,.product-card img,.post-card img{
  width:100%;height:220px;max-height:220px;object-fit:cover;display:block}
.card,.article-card,.info-card,.product-card,.post-card{overflow:hidden}
img{max-width:100%;height:auto;display:block}
/* BUG2: paragraph link */
.section p a,.content p a,.policy p a,.article p a,.legal p a,.container p a{
  color:inherit;text-decoration:underline;text-underline-offset:2px}
.dark p a,.hero p a,.stats p a,.cta p a,.site-footer p a{color:#fff;text-decoration:underline}
/* BUG3: prevent double-grid */
section.split,section.grid-2,section.grid-3,section.grid-4,section.timeline,
section.stats,section.stat-grid,section.articles,section.features,
section.collection,section.showcase{display:block}
.split > div,.grid-2 > div,.grid-3 > div{min-width:0}
/* BUG3-ext */
section.split{display:block}