:root {
  --ink: #102033;
  --text: #2b3a4c;
  --muted: #607085;
  --navy: #0b2545;
  --navy-2: #13365f;
  --blue: #1d6fb8;
  --blue-soft: #e8f1fa;
  --line: #dde5ee;
  --soft: #f4f7fb;
  --bg: #ffffff;
  --radius: 10px;
  --wrap: 1120px;
  --font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font: 17px/1.65 var(--font); color: var(--text); background: var(--bg); }
img { max-width: 100%; height: auto; }
a { color: var(--blue); text-underline-offset: 3px; }
a:hover { color: var(--navy); }
h1, h2, h3 { color: var(--ink); line-height: 1.2; letter-spacing: -0.01em; margin: 0 0 .6em; }
h1 { font-size: clamp(30px, 4.2vw, 46px); font-weight: 750; }
h2 { font-size: clamp(22px, 2.4vw, 28px); font-weight: 700; }
p { margin: 0 0 1em; }
:focus-visible { outline: 3px solid #7fb4e6; outline-offset: 2px; border-radius: 4px; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 8px 14px; z-index: 10; }
.skip:focus { left: 8px; }
.muted { color: var(--muted); }

/* Header */
.site-header { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 5; }
.header-row { display: flex; align-items: center; justify-content: space-between; min-height: 72px; gap: 24px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
.brand-mark { width: 40px; height: 40px; border-radius: 9px; background: var(--navy); color: #fff; display: grid; place-items: center; font-weight: 800; font-size: 22px; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-text strong { font-size: 19px; letter-spacing: .02em; text-transform: uppercase; }
.brand-text small { font-size: 12.5px; color: var(--muted); }
.site-nav ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 4px; }
.site-nav a { display: block; padding: 8px 12px; border-radius: 8px; color: var(--text); text-decoration: none; font-size: 15.5px; font-weight: 550; }
.site-nav a:hover { background: var(--soft); color: var(--ink); }
.site-nav a[aria-current="page"] { color: var(--blue); background: var(--blue-soft); }
.nav-toggle { display: none; }

/* Hero */
.hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); color: #d8e4f2; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; align-items: center; padding-top: 72px; padding-bottom: 72px; }
.hero h1 { color: #fff; }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: 13px; font-weight: 650; color: #8fbbe6; margin-bottom: 14px; }
.lead { font-size: 19px; max-width: 42em; }
.hero .lead { color: #c9d8ea; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.hero-art { width: 100%; max-width: 420px; justify-self: end; }
.hero-bars rect { fill: rgba(255, 255, 255, .09); stroke: rgba(255, 255, 255, .18); }
.hero-line, .hero-arrow { fill: none; stroke: #5fb0f2; stroke-width: 5; stroke-linecap: round; stroke-linejoin: round; }

.btn { display: inline-block; padding: 11px 20px; border-radius: 8px; font-weight: 650; font-size: 16px; text-decoration: none; border: 1px solid transparent; }
.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: #185e9c; color: #fff; }
.btn-ghost { border-color: currentColor; color: var(--blue); }
.hero .btn-ghost { color: #fff; border-color: rgba(255, 255, 255, .5); }
.hero .btn-ghost:hover { background: rgba(255, 255, 255, .08); color: #fff; }

/* Facts */
.facts { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: -36px; position: relative; }
.fact { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; box-shadow: 0 6px 20px rgba(11, 37, 69, .06); }
.fact p { margin: 0; }
.fact-label { font-size: 13px; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); font-weight: 600; }
.fact-value { font-size: 21px; font-weight: 750; color: var(--ink); margin: 4px 0 2px !important; }
.fact-note { font-size: 14px; color: var(--muted); line-height: 1.4; }

/* Sections */
.section { padding-top: 56px; padding-bottom: 56px; }
.section-soft { background: var(--soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; margin-bottom: 8px; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.more { font-weight: 650; text-decoration: none; }
.more::after { content: " →"; }
.cards { display: grid; gap: 12px; }
.card { display: block; padding: 18px 20px; border: 1px solid var(--line); border-radius: var(--radius); text-decoration: none; background: #fff; transition: border-color .15s, box-shadow .15s; }
.card:hover { border-color: #b7cde3; box-shadow: 0 4px 16px rgba(11, 37, 69, .07); }
.card-title { display: block; font-weight: 700; color: var(--ink); font-size: 18px; }
.card-text { display: block; color: var(--muted); font-size: 15px; }

.pagehead { background: var(--soft); border-bottom: 1px solid var(--line); padding: 44px 0 36px; }
.pagehead h1 { margin: 0; }
.pagehead .lead { margin: 12px 0 0; color: var(--muted); }

.prose { max-width: 800px; }
.prose ul { padding-left: 1.2em; margin: 0 0 1.4em; }
.prose li { margin-bottom: .35em; }
.prose h2 { margin-top: 1.6em; }
.callout { border-left: 4px solid var(--blue); background: var(--blue-soft); padding: 14px 18px; border-radius: 0 var(--radius) var(--radius) 0; color: var(--ink); font-weight: 650; }
.member { display: flex; align-items: center; gap: 18px; padding: 16px 20px; border: 1px solid var(--line); border-radius: var(--radius); margin: 28px 0; }
.member img { width: 56px; }
.member p { margin: 0; font-weight: 600; color: var(--ink); }
.subsection { margin-top: 40px; }
.see-also { color: var(--muted); border-top: 1px solid var(--line); padding-top: 18px; margin-top: 32px; }

/* Documents */
.doc-list { list-style: none; margin: 0 0 8px; padding: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 10px; }
.doc { display: flex; align-items: center; gap: 14px; padding: 14px 16px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); text-decoration: none; height: 100%; transition: border-color .15s, box-shadow .15s; }
.doc:hover { border-color: #b7cde3; box-shadow: 0 4px 14px rgba(11, 37, 69, .07); }
.doc-ext { flex: none; width: 44px; height: 52px; border-radius: 6px; background: #fdecec; color: #b42318; font-size: 11.5px; font-weight: 800; display: grid; place-items: end center; padding-bottom: 8px; position: relative; letter-spacing: .03em; }
.doc-ext::before { content: ""; position: absolute; top: 0; right: 0; border-width: 0 12px 12px 0; border-style: solid; border-color: #fff #fff #f6c7c3 #f6c7c3; border-radius: 0 6px 0 3px; }
.doc-ext-doc, .doc-ext-docx { background: #e8f0fc; color: #1d4ed8; }
.doc-ext-doc::before, .doc-ext-docx::before { border-color: #fff #fff #c3d5f6 #c3d5f6; }
.doc-ext-xls, .doc-ext-xlsx { background: #e7f6ec; color: #15803d; }
.doc-ext-xls::before, .doc-ext-xlsx::before { border-color: #fff #fff #bfe5cb #bfe5cb; }
.doc-ext-jpg, .doc-ext-jpeg, .doc-ext-png { background: #f1ecfb; color: #6d28d9; }
.doc-ext-jpg::before, .doc-ext-jpeg::before, .doc-ext-png::before { border-color: #fff #fff #dacdf5 #dacdf5; }
.doc-ext-html, .doc-ext-htm { background: #fff4e5; color: #b45309; }
.doc-ext-html::before, .doc-ext-htm::before { border-color: #fff #fff #f8d9a8 #f8d9a8; }
.doc-ext-p7s, .doc-ext-zip { background: #eef1f5; color: #475569; }
.doc-ext-p7s::before, .doc-ext-zip::before { border-color: #fff #fff #d3dae3 #d3dae3; }
.doc-body { display: flex; flex-direction: column; min-width: 0; }
.doc-title { color: var(--ink); font-weight: 600; line-height: 1.35; }
.doc:hover .doc-title { color: var(--blue); }
.doc-meta { color: var(--muted); font-size: 13.5px; margin-top: 2px; }

.year-nav { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 12px; position: sticky; top: 73px; background: rgba(255, 255, 255, .95); padding: 10px 0; z-index: 2; }
.year-nav a { padding: 5px 12px; border: 1px solid var(--line); border-radius: 999px; text-decoration: none; font-weight: 600; font-size: 15px; color: var(--text); }
.year-nav a:hover { border-color: var(--blue); color: var(--blue); }
.year { padding-top: 20px; scroll-margin-top: 140px; }
.year h2 { font-size: 24px; display: flex; align-items: center; gap: 14px; }
.year h2::after { content: ""; flex: 1; height: 1px; background: var(--line); }

/* Partners, regulator */
.partners { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.partners li { border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 16px 18px; display: flex; flex-direction: column; align-items: center; gap: 14px; text-align: center; font-weight: 600; color: var(--ink); font-size: 15.5px; }
.partners img { height: 64px; width: auto; object-fit: contain; }
.regulator { display: flex; align-items: center; gap: 24px; padding-top: 0; }
.regulator img { width: 96px; flex: none; }
.regulator h2 { font-size: 20px; margin-bottom: .3em; }
.regulator p { margin: 0; }

/* Contacts */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.contact-list { display: grid; grid-template-columns: max-content 1fr; gap: 10px 20px; margin: 0 0 36px; }
.contact-list dt { color: var(--muted); font-weight: 600; }
.contact-list dd { margin: 0; color: var(--ink); }
.map { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); min-height: 380px; background: var(--soft); }
.map iframe { width: 100%; height: 100%; min-height: 380px; border: 0; display: block; }

/* Footer */
.site-footer { background: var(--navy); color: #b9c8da; font-size: 15px; margin-top: 24px; }
.site-footer a { color: #e2ecf7; }
.footer-grid { display: grid; grid-template-columns: 1.3fr .8fr 1.2fr; gap: 40px; padding-top: 48px; padding-bottom: 32px; }
.footer-brand, .footer-head { color: #fff; font-weight: 700; margin-bottom: .6em; }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin-bottom: 4px; }
.footer-links a { text-decoration: none; }
.footer-links a:hover { text-decoration: underline; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .12); padding-top: 18px; padding-bottom: 24px; font-size: 14px; color: #8ea3bb; }

/* Responsive */
@media (max-width: 1180px) {
  .nav-toggle { display: grid; place-items: center; width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 8px; background: #fff; cursor: pointer; }
  .nav-toggle-bars, .nav-toggle-bars::before, .nav-toggle-bars::after { display: block; width: 20px; height: 2px; background: var(--ink); position: relative; content: ""; }
  .nav-toggle-bars::before { position: absolute; top: -6px; }
  .nav-toggle-bars::after { position: absolute; top: 6px; }
  .site-nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line); box-shadow: 0 10px 20px rgba(11, 37, 69, .08); }
  .site-nav.is-open { display: block; }
  .site-nav ul { flex-direction: column; padding: 8px 16px 16px; }
  .site-nav a { padding: 12px; font-size: 17px; }
  .header-row { position: relative; }
}
@media (max-width: 1020px) {
  .facts { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 760px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  .hero-grid, .split, .contact-grid, .footer-grid { grid-template-columns: 1fr; }
  .hero-grid { padding-top: 44px; padding-bottom: 64px; gap: 24px; }
  .hero-art { display: none; }
  .facts { grid-template-columns: 1fr; margin-top: -32px; }
  .partners { grid-template-columns: 1fr; }
  .section { padding-top: 40px; padding-bottom: 40px; }
  .doc-list { grid-template-columns: 1fr; }
  .year-nav { top: 72px; }
  .regulator { flex-direction: column; align-items: flex-start; }
  .contact-list { grid-template-columns: 1fr; gap: 2px; }
  .contact-list dd { margin-bottom: 12px; }
  .brand-text small { display: none; }
}
@media print {
  .site-header, .site-footer, .year-nav, .hero-art { display: none; }
  .hero { background: none; color: #000; }
  .hero h1 { color: #000; }
}