@font-face{font-family:'IBM Plex Sans';font-weight:400;font-style:normal;font-display:swap;src:url(fonts/plex-sans-400.woff2) format('woff2')}
@font-face{font-family:'IBM Plex Sans';font-weight:500;font-style:normal;font-display:swap;src:url(fonts/plex-sans-500.woff2) format('woff2')}
@font-face{font-family:'IBM Plex Sans';font-weight:600;font-style:normal;font-display:swap;src:url(fonts/plex-sans-600.woff2) format('woff2')}
@font-face{font-family:'IBM Plex Sans';font-weight:700;font-style:normal;font-display:swap;src:url(fonts/plex-sans-700.woff2) format('woff2')}
@font-face{font-family:'IBM Plex Mono';font-weight:400;font-style:normal;font-display:swap;src:url(fonts/plex-mono-400.woff2) format('woff2')}
@font-face{font-family:'IBM Plex Mono';font-weight:600;font-style:normal;font-display:swap;src:url(fonts/plex-mono-600.woff2) format('woff2')}
:root{--bg:#f5f7fa;--card:#fff;--line:#e1e6ee;--g:#16865c;--gl:#e8f4ee;--navy:#0f2a4a;--navy2:#0b2038;--w:#0f1f35;--gray:#56657a;--red:#b4182f;--redl:#fdeef0}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'IBM Plex Sans',system-ui,sans-serif;background:var(--bg);color:var(--w);line-height:1.65;font-size:17px;overflow-x:hidden}
a{color:var(--g);text-decoration:none}
header.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.top-in{max-width:1160px;margin:0 auto;padding:14px 24px;display:flex;align-items:center;gap:20px}
.logo{font-weight:700;font-size:1.25rem;color:var(--w);letter-spacing:-.02em;white-space:nowrap}.logo span{color:var(--g)}.logo small{font-weight:500;font-size:.95rem;color:var(--gray);margin-left:.35rem}
.top nav{display:flex;gap:1.4rem;margin-left:auto}.top nav a{color:var(--gray);font-size:.9rem;font-weight:500;white-space:nowrap}.top nav a:hover{color:var(--w)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-weight:600;font-size:.95rem;padding:.9rem 1.5rem;border-radius:8px;background:var(--navy);color:#fff;border:none;cursor:pointer;font-family:inherit;white-space:nowrap}
.btn:hover{background:var(--navy2)}
.btn.ghost{background:#fff;border:1.5px solid var(--line);color:var(--w)}
.btn.ghost:hover{border-color:var(--navy)}
.top .btn{padding:.6rem 1.1rem;font-size:.85rem}
main{position:relative;z-index:1}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.hero{padding:clamp(4rem,9vw,6.5rem) 24px 3.5rem;background:linear-gradient(180deg,#fff,var(--bg));border-bottom:1px solid var(--line)}
.lbl{font-size:.75rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--g);margin-bottom:1rem}
.lbl.red{color:var(--red)}
h1{font-size:clamp(2.1rem,5.2vw,3.5rem);line-height:1.08;letter-spacing:-.025em;font-weight:700;max-width:900px}
h1 em{font-style:normal;color:var(--g)}
.lead{font-size:clamp(1.05rem,2vw,1.18rem);color:var(--gray);max-width:760px;margin-top:1.3rem}
.ctas{display:flex;gap:.9rem;flex-wrap:wrap;margin-top:2rem}
section{padding:clamp(3rem,7vw,5rem) 0}
section:nth-of-type(odd){background:#fff}
h2{font-size:clamp(1.6rem,3.4vw,2.3rem);line-height:1.15;letter-spacing:-.02em;margin-bottom:1rem}
.sub{color:var(--gray);max-width:720px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.1rem;margin-top:2rem}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1.5rem}
.card h3{font-size:1.08rem;margin-bottom:.5rem}
.card p{color:var(--gray);font-size:.95rem}
.card.risk{background:var(--bg)}
.card.risk h3{color:var(--w)}
.tag{display:inline-block;font-size:.7rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--red);background:var(--redl);border-radius:4px;padding:.25rem .6rem;margin-bottom:.8rem}
.case{border-left:3px solid var(--navy);background:#fff;border-top:1px solid var(--line);border-right:1px solid var(--line);border-bottom:1px solid var(--line);border-radius:0 12px 12px 0;padding:1.4rem 1.6rem;margin-top:1.6rem;max-width:860px}
.case p+p{margin-top:.7rem}
.steps{counter-reset:s;margin-top:1.6rem;display:grid;gap:.9rem}
.steps li{list-style:none;counter-increment:s;position:relative;padding:1.2rem 1.4rem 1.2rem 4rem;background:#fff;border:1px solid var(--line);border-radius:12px}
.steps li::before{content:counter(s);position:absolute;left:1.2rem;top:1.15rem;width:1.9rem;height:1.9rem;border-radius:6px;background:var(--navy);color:#fff;font-weight:600;display:flex;align-items:center;justify-content:center}
.steps b{display:block;margin-bottom:.2rem}
.steps span{color:var(--gray);font-size:.95rem}
.dl{display:grid;grid-template-columns:1.2fr .8fr;gap:2rem;align-items:center;background:#fff;border:1px solid var(--line);border-radius:16px;padding:clamp(1.5rem,4vw,2.6rem);box-shadow:0 10px 30px rgba(15,31,53,.06)}
.dl ul{margin-top:1rem;padding-left:1.1rem;color:var(--gray)}.dl li{margin:.25rem 0}
details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:1.05rem 1.3rem;margin-top:.7rem}
summary{cursor:pointer;font-weight:600;list-style:none}summary::-webkit-details-marker{display:none}summary::after{content:'+';float:right;color:var(--g);font-weight:700}
details[open] summary::after{content:'–'}
details p{margin-top:.7rem;color:var(--gray)}
.final{text-align:center}.final .ctas{justify-content:center}
.other{display:flex;gap:.6rem;flex-wrap:wrap;margin-top:1.2rem}.other a{border:1px solid var(--line);background:#fff;border-radius:99px;padding:.45rem 1rem;font-size:.88rem;color:var(--w)}.other a:hover{border-color:var(--navy)}
footer{background:var(--navy);padding:2.4rem 20px;text-align:center;color:#c8d3e0;font-size:.85rem}
footer a{color:#c8d3e0;margin:0 .6rem}footer a:hover{color:#fff}
@media(max-width:860px){.top nav{display:none}.dl{grid-template-columns:1fr}.top .btn{margin-left:auto}}
@media(max-width:420px){.top .btn{display:none}.ctas .btn{width:100%}}
.logo{display:inline-flex;align-items:center;gap:.5rem;font-size:1.2rem}
.logo .logo-mark{width:28px;height:28px;flex:none}
.logo b{font-weight:700}
.logo small{font-size:1.2rem;font-weight:500;color:#0f2a4a;margin-left:0}
@media(max-width:420px){.logo,.logo small{font-size:1.08rem}}