:root{--primary:#2f4d7a;--primary-deep:#1b2b54;--primary-2:#3f74b3;--accent:#d99a2b;--accent-ink:#8a6010;--ink:#26303f;--ink-soft:#48526a;--muted:#6b7689;--line:#e3e8f1;--line-soft:#eef1f7;--bg:#f4f6fa;--surface:#fff;--radius:16px;--maxw:1180px;--shadow-sm:0 1px 2px rgba(20,30,60,.05),0 2px 10px rgba(20,30,60,.05);--shadow-md:0 6px 18px rgba(20,30,60,.08),0 18px 44px rgba(20,30,60,.09);--font-head:"Newsreader",Georgia,serif;--font-body:Arial,Helvetica,sans-serif}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--font-head);font-weight:500;line-height:1.14;color:var(--primary-deep);letter-spacing:-.01em}
a{color:inherit;text-decoration:none}img{max-width:100%;display:block}
.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 28px}
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--primary-2)}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--accent);display:inline-block}
.btn{display:inline-flex;align-items:center;gap:10px;font-family:var(--font-body);font-weight:700;font-size:15px;padding:15px 26px;border-radius:999px;border:1px solid transparent;cursor:pointer;transition:transform .15s,box-shadow .2s,background .2s,color .2s;white-space:nowrap}
.btn-primary{background:var(--accent);color:#3a2a06;box-shadow:0 6px 18px rgba(217,154,43,.35)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(217,154,43,.45)}
.btn-ghost{background:transparent;color:var(--primary);border-color:var(--line)}
.btn-ghost:hover{background:var(--surface);border-color:var(--primary-2);color:var(--primary-deep)}
.btn-light{background:rgba(255,255,255,.14);color:#fff;border-color:rgba(255,255,255,.3)}
.btn-light:hover{background:rgba(255,255,255,.22);transform:translateY(-2px)}
.btn svg{width:16px;height:16px}
header{position:sticky;top:0;z-index:60;background:rgba(244,246,250,.85);backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid transparent;transition:border-color .25s,box-shadow .25s}
header.scrolled{border-color:var(--line);box-shadow:var(--shadow-sm)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:18px}
.brand{display:flex;align-items:center;gap:12px}
.brand-logo{width:48px;height:48px;border-radius:50%;background:#fff;object-fit:contain;flex:none;box-shadow:var(--shadow-sm)}
.brand-text{display:flex;flex-direction:column;line-height:1.12}
.brand-name{font-family:var(--font-head);font-size:17px;font-weight:600;color:var(--primary-deep);white-space:nowrap}
.brand-sub{font-size:11px;letter-spacing:.04em;color:var(--muted);font-weight:600;white-space:nowrap}
.nav-links{display:flex;align-items:center;gap:0}
.nav-links a{font-size:13.5px;font-weight:600;color:var(--ink-soft);padding:9px 11px;border-radius:8px;transition:color .15s,background .15s;white-space:nowrap}
.nav-links a:hover{color:var(--primary-deep);background:var(--surface)}
.nav-links a.active{color:var(--primary-2)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;cursor:pointer;color:var(--primary-deep)}
.mobile-menu{display:none}
section{padding:clamp(46px,5.5vw,80px) 0}
.sec-head{max-width:780px;margin-bottom:36px}.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head h2{font-size:clamp(27px,3.4vw,40px);margin:14px 0 13px}.sec-head p{font-size:16.5px;color:var(--ink-soft)}
.hero{position:relative;overflow:hidden;background:linear-gradient(180deg,#fff,var(--bg));border-bottom:1px solid var(--line-soft)}
.hero-deco{position:absolute;border-radius:50%;z-index:0}
.hero .wrap{position:relative;z-index:1;padding-top:clamp(46px,6vw,76px);padding-bottom:clamp(40px,5vw,60px)}
.hero h1{font-size:clamp(34px,4.6vw,54px);max-width:18ch;margin:18px 0 20px}
.hero p.lead{font-size:clamp(16.5px,1.4vw,19px);color:var(--ink-soft);max-width:66ch;margin-bottom:28px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px}
/* regulators */
.reg-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.reg{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:var(--shadow-sm)}
.reg .rab{font-family:var(--font-head);font-size:15px;font-weight:600;color:#fff;background:var(--primary-deep);border-radius:9px;padding:7px 12px;display:inline-block;margin-bottom:13px}
.reg h3{font-size:16px;margin-bottom:6px}.reg p{font-size:13.4px;color:var(--ink-soft)}
/* timeline */
.alt{background:var(--surface);border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}
.timeline{position:relative;max-width:900px;margin:0 auto;padding-left:6px}
.tl-line{position:absolute;left:24px;top:8px;bottom:8px;width:2px;background:linear-gradient(var(--primary-2),var(--line))}
.tstep{position:relative;display:grid;grid-template-columns:50px 1fr;gap:20px;padding:0 0 22px}
.tstep:last-child{padding-bottom:0}
.tnum{width:50px;height:50px;border-radius:50%;background:var(--primary-deep);color:#fff;display:grid;place-items:center;font-family:var(--font-head);font-size:20px;font-weight:600;z-index:1;box-shadow:0 0 0 5px var(--bg)}
.alt .tnum{box-shadow:0 0 0 5px var(--surface)}
.tbody{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:18px 22px}
.alt .tbody{background:var(--bg)}
.tbody h3{font-size:18px;margin-bottom:5px}.tbody p{font-size:14px;color:var(--ink-soft)}
.tbody .inlinebtn{margin-top:12px;font-size:13.5px;padding:10px 18px}
/* streams */
.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.scard{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px;box-shadow:var(--shadow-sm)}
.scard.b{border:2px solid var(--primary-2);box-shadow:var(--shadow-md)}
.scard .sbadge{display:inline-block;font-family:var(--font-head);font-size:18px;color:#fff;background:var(--primary-2);width:46px;height:46px;border-radius:12px;text-align:center;line-height:46px;margin-bottom:16px}
.scard.a .sbadge{background:#3f9e6b}.scard.c .sbadge{background:#9aa3b2}
.scard h3{font-size:19px;margin-bottom:10px}.scard p{font-size:14.4px;color:var(--ink-soft)}
.scard .most{display:inline-block;font-size:11px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--accent-ink);background:rgba(217,154,43,.16);padding:5px 11px;border-radius:8px;margin-top:14px}
/* tables */
.tbl-wrap{overflow-x:auto;border-radius:14px;box-shadow:var(--shadow-md)}
table.t{width:100%;border-collapse:collapse;background:var(--surface);min-width:560px}
table.t th,table.t td{text-align:left;padding:15px 20px;font-size:14.3px;border-bottom:1px solid var(--line)}
table.t thead th{background:var(--primary-deep);color:#fff;font-family:var(--font-body);font-weight:700;font-size:12px;letter-spacing:.05em;text-transform:uppercase}
table.t td:first-child,table.t th:first-child{font-weight:700;color:var(--primary-deep)}
table.t tr:last-child td{border-bottom:0}
table.t tbody tr:nth-child(even){background:var(--line-soft)}
.notes{margin-top:20px;background:var(--surface);border:1px solid var(--line);border-left:3px solid var(--accent);border-radius:0 14px 14px 0;padding:20px 24px}
.notes ul{list-style:none;display:flex;flex-direction:column;gap:9px}
.notes li{display:flex;gap:11px;font-size:13.8px;color:var(--ink-soft);line-height:1.5}
.notes li .ck{width:20px;height:20px;border-radius:6px;background:rgba(63,116,179,.12);color:var(--primary-2);display:grid;place-items:center;flex:none;margin-top:2px}
.notes li .ck svg{width:12px;height:12px}
.authority{margin-top:16px;font-size:13.5px;color:var(--ink-soft);font-weight:600}
/* explainer panels */
.exp{display:grid;grid-template-columns:1.5fr 1fr;gap:30px;align-items:center;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(28px,3.5vw,42px);box-shadow:var(--shadow-sm)}
.exp h2{font-size:clamp(24px,3vw,34px);margin-bottom:14px}.exp p{font-size:15px;color:var(--ink-soft);margin-bottom:12px}
.exp .factbox{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:22px}
.exp .factbox .fl{font-size:11px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--muted);margin-bottom:5px}
.exp .factbox .fv{font-size:15.5px;font-weight:700;color:var(--primary-deep);margin-bottom:14px}
.exp .factbox .fv:last-child{margin-bottom:0}
.chiprow{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.chip{font-size:12.5px;font-weight:600;color:var(--ink-soft);background:var(--bg);border:1px solid var(--line);padding:6px 12px;border-radius:999px}
.exp .btn{margin-top:8px}
/* how OBA */
.obapanel{background:var(--primary-deep);color:#eaf0fb;border-radius:var(--radius);padding:clamp(30px,4vw,48px)}
.obapanel h2{color:#fff;font-size:clamp(24px,3vw,34px);margin-bottom:10px}
.obapanel .lead2{color:#c2cde4;font-size:15.5px;max-width:70ch;margin-bottom:24px}
.oba-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-bottom:24px}
.oba-item{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.13);border-radius:13px;padding:18px}
.oba-item .oi{width:38px;height:38px;border-radius:10px;background:rgba(217,154,43,.2);color:#e7b85a;display:grid;place-items:center;margin-bottom:12px}
.oba-item .oi svg{width:19px;height:19px}.oba-item h4{color:#fff;font-family:var(--font-body);font-weight:700;font-size:14px;margin-bottom:5px}.oba-item p{font-size:12.5px;color:#c2cde4}
.disclaimer{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.13);border-left:3px solid var(--accent);border-radius:0 12px 12px 0;padding:18px 22px;margin-bottom:24px}
.disclaimer p{font-size:13.6px;color:#d4dcef}
/* links */
.link-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.lk{display:flex;align-items:center;justify-content:space-between;gap:14px;background:var(--surface);border:1px solid var(--line);border-radius:13px;padding:18px 20px;box-shadow:var(--shadow-sm);transition:transform .15s,box-shadow .2s,border-color .2s}
.lk:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);border-color:var(--primary-2)}
.lk .lkt{font-weight:700;font-size:14.5px;color:var(--primary-deep)}.lk .lku{font-size:12px;color:var(--muted)}
.lk svg{width:18px;height:18px;color:var(--primary-2);flex:none}
/* cta */
.cta-band{background:linear-gradient(135deg,var(--primary-2),var(--primary-deep));color:#fff;border-radius:26px;padding:clamp(40px,5vw,60px);text-align:center;position:relative;overflow:hidden}
.cta-band h2{color:#fff;font-size:clamp(27px,3.4vw,40px);margin-bottom:14px}.cta-band p{color:#eaf0fb;font-size:17px;max-width:54ch;margin:0 auto 28px}
.cta-actions{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
.cta-deco{position:absolute;width:340px;height:340px;border-radius:50%;background:rgba(255,255,255,.06)}
.footnote{font-size:12.5px;color:var(--muted);max-width:94ch;margin:0 auto;padding:30px 28px 0;text-align:center;line-height:1.6}
footer{background:var(--primary-deep);color:#cdd9f0;padding-top:56px;margin-top:10px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;padding-bottom:40px}
.foot-brand .brand-name{color:#fff}.foot-brand .brand-sub{color:#9fb0d4}.foot-brand p{font-size:14px;color:#aebbd6;max-width:38ch;margin-top:16px}
.foot-col h5{font-size:12.5px;text-transform:uppercase;letter-spacing:.1em;color:#8294b8;margin-bottom:16px;font-weight:800}
.foot-col a,.foot-col p{display:block;font-size:14px;color:#c2cde4;margin-bottom:11px}.foot-col a:hover{color:#fff}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);padding:20px 0}
.foot-bottom .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}.foot-bottom p{font-size:12.5px;color:#8294b8}
@media(max-width:1080px){.nav-links a{padding:9px 9px;font-size:13px}}
@media(max-width:980px){.nav-links,.nav-cta{display:none}.menu-btn{display:grid;place-items:center}.reg-grid{grid-template-columns:1fr 1fr}.cards-3{grid-template-columns:1fr}.exp{grid-template-columns:1fr}.oba-grid{grid-template-columns:1fr 1fr}.link-grid{grid-template-columns:1fr 1fr}.foot-grid{grid-template-columns:1fr 1fr}
.mobile-menu.open{display:block;position:fixed;inset:76px 0 0;background:var(--bg);z-index:55;padding:24px 28px;border-top:1px solid var(--line);overflow:auto}.mobile-menu.open a{display:block;padding:14px 0;font-size:17px;font-weight:600;border-bottom:1px solid var(--line-soft);color:var(--ink)}.mobile-menu.open .btn{margin-top:20px;width:100%;justify-content:center}}
@media(max-width:640px){.reg-grid,.oba-grid,.link-grid,.foot-grid{grid-template-columns:1fr}.wrap{padding:0 20px}.tstep{grid-template-columns:42px 1fr;gap:15px}.tnum{width:42px;height:42px;font-size:17px}.tl-line{left:20px}}