/* =========================================================
   AI in Financial Services — Executive Briefing
   Theme tokens
   ========================================================= */
:root {
  --navy-900: #071a33;
  --navy-800: #0b2545;
  --navy-700: #13315c;
  --navy-600: #1d4e89;
  --slate-500: #40638a;
  --slate-400: #6b86a6;
  --slate-300: #9fb3c8;
  --paper: #f6f8fb;
  --paper-alt: #eef2f8;
  --white: #ffffff;
  --ink: #0f1f33;
  --ink-soft: #3a4a5e;

  --gold: #d9a441;
  --gold-soft: #f0c877;
  --teal: #2ea7a3;
  --teal-soft: #6fcbc7;
  --coral: #e0705a;

  --good: #2f9e6f;
  --good-soft: #7cc9a6;
  --mid: #d9a441;
  --bad: #d1685a;

  --shadow-sm: 0 1px 3px rgba(11, 37, 69, 0.08), 0 1px 2px rgba(11, 37, 69, 0.06);
  --shadow-md: 0 10px 30px -12px rgba(11, 37, 69, 0.25);
  --shadow-lg: 0 24px 60px -20px rgba(11, 37, 69, 0.35);
  --radius: 16px;
  --radius-sm: 10px;
  --maxw: 1180px;
  --nav-h: 68px;

  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

/* =========================================================
   Base
   ========================================================= */
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: var(--nav-h); }
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
em { font-style: italic; }
.container { width: min(100% - 3rem, var(--maxw)); margin-inline: auto; }

/* =========================================================
   Scroll progress
   ========================================================= */
.progress {
  position: fixed; top: 0; left: 0; right: 0; height: 3px;
  background: transparent; z-index: 1000;
}
.progress span {
  display: block; height: 100%; width: 0%;
  background: linear-gradient(90deg, var(--gold), var(--teal));
  transition: width 0.1s linear;
}

/* =========================================================
   Nav
   ========================================================= */
.nav {
  position: sticky; top: 0; z-index: 900;
  height: var(--nav-h);
  background: rgba(246, 248, 251, 0.85);
  backdrop-filter: saturate(160%) blur(12px);
  border-bottom: 1px solid rgba(19, 49, 92, 0.08);
}
.nav-inner {
  height: 100%; width: min(100% - 3rem, 1320px); margin-inline: auto;
  display: flex; align-items: center; gap: 1.5rem;
}
.brand { display: flex; align-items: center; gap: 0.65rem; flex-shrink: 0; }
.brand-mark {
  width: 30px; height: 30px; border-radius: 8px;
  background: linear-gradient(135deg, var(--navy-700), var(--teal));
  position: relative; box-shadow: var(--shadow-sm);
}
.brand-mark::after {
  content: ""; position: absolute; inset: 7px 7px auto auto;
  width: 8px; height: 8px; border-radius: 50%; background: var(--gold-soft);
}
.brand-text { display: flex; flex-direction: column; font-weight: 700; font-size: 0.95rem; color: var(--navy-800); line-height: 1.1; }
.brand-text small { font-weight: 500; font-size: 0.68rem; color: var(--slate-400); letter-spacing: 0.04em; text-transform: uppercase; }

.nav-links { margin-left: auto; display: flex; gap: 0.35rem; flex-wrap: wrap; }
.nav-links a {
  font-size: 0.83rem; font-weight: 600; color: var(--ink-soft);
  padding: 0.4rem 0.6rem; border-radius: 8px; transition: background 0.2s, color 0.2s;
}
.nav-links a:hover { background: var(--paper-alt); color: var(--navy-700); }
.nav-links a.active { color: var(--navy-800); background: rgba(46, 167, 163, 0.14); }

.nav-toggle { display: none; margin-left: auto; background: none; border: 0; cursor: pointer; width: 40px; height: 40px; flex-direction: column; justify-content: center; gap: 5px; }
.nav-toggle span { display: block; height: 2px; width: 22px; background: var(--navy-800); border-radius: 2px; transition: transform 0.3s, opacity 0.3s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* =========================================================
   Hero
   ========================================================= */
.hero {
  position: relative; min-height: calc(100vh - var(--nav-h));
  display: flex; align-items: center; overflow: hidden;
  background: var(--navy-900); color: var(--white);
  padding: 5rem 0 6rem;
}
.hero-bg { position: absolute; inset: 0; z-index: 0; }
.hero-bg::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(1000px 600px at 80% -10%, rgba(46,167,163,0.35), transparent 60%),
    radial-gradient(900px 700px at 10% 110%, rgba(217,164,65,0.22), transparent 55%),
    linear-gradient(160deg, var(--navy-900), var(--navy-800) 60%, #0a2140);
}
.hero-bg::after {
  content: ""; position: absolute; inset: 0; opacity: 0.5;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 46px 46px;
  mask-image: radial-gradient(ellipse at 60% 40%, #000 30%, transparent 75%);
}
.hero-content { position: relative; z-index: 1; max-width: 900px; }
.eyebrow {
  text-transform: uppercase; letter-spacing: 0.16em; font-size: 0.76rem;
  font-weight: 700; color: var(--navy-600); margin-bottom: 1rem;
}
.eyebrow.light { color: var(--teal-soft); }
.hero-title {
  font-family: var(--serif); font-weight: 600; letter-spacing: -0.015em;
  font-size: clamp(2.3rem, 5.5vw, 4.1rem); line-height: 1.05; margin-bottom: 1.4rem;
}
.grad { background: linear-gradient(100deg, var(--gold-soft), var(--teal-soft)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero-sub { font-size: clamp(1.05rem, 1.7vw, 1.3rem); color: var(--slate-300); max-width: 680px; margin-bottom: 2rem; }
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 3rem; }
.btn {
  display: inline-flex; align-items: center; gap: 0.5rem;
  padding: 0.85rem 1.5rem; border-radius: 999px; font-weight: 700; font-size: 0.95rem;
  transition: transform 0.15s, box-shadow 0.2s, background 0.2s; cursor: pointer; border: 1px solid transparent;
}
.btn-primary { background: linear-gradient(120deg, var(--gold), #e8b45a); color: var(--navy-900); box-shadow: var(--shadow-md); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.btn-ghost { border-color: rgba(255,255,255,0.25); color: var(--white); }
.btn-ghost:hover { background: rgba(255,255,255,0.08); transform: translateY(-2px); }
.hero-sources { border-top: 1px solid rgba(255,255,255,0.12); padding-top: 1.5rem; max-width: 720px; }
.hero-sources > span { display: block; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--slate-400); margin-bottom: 0.7rem; }
.hero-sources ul { list-style: none; display: grid; gap: 0.5rem; }
.hero-sources li { font-size: 0.92rem; color: var(--slate-300); }
.hero-sources strong { color: var(--white); }
.scroll-hint {
  position: absolute; bottom: 1.4rem; left: 50%; transform: translateX(-50%); z-index: 2;
  color: var(--slate-300); font-size: 1.5rem; animation: bounce 2s infinite; text-decoration: none;
}
@keyframes bounce { 0%,100%{transform:translate(-50%,0);} 50%{transform:translate(-50%,8px);} }

/* =========================================================
   Section shell
   ========================================================= */
.section { padding: clamp(3.5rem, 8vw, 6.5rem) 0; }
.section.alt { background: var(--paper-alt); }
.section-head { max-width: 820px; margin-bottom: 3rem; }
.section-head .eyebrow { color: var(--teal); }
.section-head h2 {
  font-family: var(--serif); font-weight: 600; letter-spacing: -0.01em;
  font-size: clamp(1.8rem, 3.6vw, 2.75rem); line-height: 1.1; color: var(--navy-800); margin-bottom: 1rem;
}
.lead { font-size: clamp(1.02rem, 1.4vw, 1.18rem); color: var(--ink-soft); }

/* =========================================================
   Stat band
   ========================================================= */
.stat-band {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; margin-bottom: 3rem;
}
.stat {
  background: var(--white); border-radius: var(--radius); padding: 1.6rem 1.4rem;
  box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06); position: relative; overflow: hidden;
}
.stat::before { content: ""; position: absolute; top: 0; left: 0; width: 4px; height: 100%; background: linear-gradient(var(--teal), var(--gold)); }
.stat-num { font-family: var(--serif); font-weight: 700; font-size: clamp(2.4rem, 4vw, 3.2rem); color: var(--navy-700); line-height: 1; }
.stat-suf { font-family: var(--serif); font-weight: 700; font-size: 1.6rem; color: var(--teal); }
.stat p { margin-top: 0.6rem; font-size: 0.9rem; color: var(--ink-soft); }

/* =========================================================
   Card grid (exec summary)
   ========================================================= */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; margin-bottom: 3rem; }
.card {
  background: var(--white); border-radius: var(--radius); padding: 1.7rem;
  box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06);
  transition: transform 0.2s, box-shadow 0.25s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.card-icon {
  width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
  font-size: 1.4rem; margin-bottom: 1rem; background: var(--paper-alt); color: var(--navy-700);
}
.card h3 { font-size: 1.12rem; color: var(--navy-800); margin-bottom: 0.5rem; }
.card p { font-size: 0.93rem; color: var(--ink-soft); }
.accent-1 .card-icon { background: rgba(46,167,163,0.14); color: var(--teal); }
.accent-2 .card-icon { background: rgba(217,164,65,0.16); color: var(--gold); }
.accent-3 .card-icon { background: rgba(224,112,90,0.14); color: var(--coral); }
.accent-4 .card-icon { background: rgba(29,78,137,0.12); color: var(--navy-600); }
.accent-5 .card-icon { background: rgba(47,158,111,0.14); color: var(--good); }
.accent-6 .card-icon { background: rgba(111,203,199,0.18); color: var(--teal); }

/* =========================================================
   Pull quotes
   ========================================================= */
.pullquote {
  background: var(--white); border-left: 4px solid var(--gold);
  padding: 1.6rem 2rem; border-radius: var(--radius-sm); box-shadow: var(--shadow-sm);
}
.pullquote p { font-family: var(--serif); font-size: clamp(1.15rem, 2vw, 1.5rem); color: var(--navy-800); font-weight: 500; line-height: 1.35; }
.pullquote cite { display: block; margin-top: 0.8rem; font-style: normal; font-weight: 600; color: var(--slate-500); font-size: 0.9rem; }
.pullquote.inline { flex: 1; border-left-color: var(--teal); }
.pullquote.big { max-width: 900px; margin: 2.5rem auto 0; text-align: center; border-left: 0; border-top: 4px solid var(--teal); }
.pullquote.big p { font-size: clamp(1.25rem, 2.4vw, 1.7rem); }

/* =========================================================
   Framework ladder
   ========================================================= */
.ladder { display: grid; grid-template-columns: 1fr auto 1fr auto 1fr auto 1fr; gap: 0.75rem; align-items: stretch; margin-bottom: 1.5rem; }
.ladder-tier {
  background: var(--white); border-radius: var(--radius); padding: 1.4rem;
  box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.07); border-top: 4px solid var(--slate-300);
  display: flex; flex-direction: column;
}
.tier-1 { border-top-color: var(--slate-400); }
.tier-2 { border-top-color: var(--navy-600); }
.tier-3 { border-top-color: var(--gold); }
.tier-4 { border-top-color: var(--teal); }
.tier-top { display: flex; align-items: center; gap: 0.7rem; margin-bottom: 0.5rem; }
.tier-num { width: 30px; height: 30px; border-radius: 8px; display: grid; place-items: center; font-weight: 800; font-size: 0.95rem; background: var(--navy-800); color: var(--white); }
.tier-3 .tier-num { background: var(--gold); color: var(--navy-900); }
.tier-4 .tier-num { background: var(--teal); }
.ladder-tier h3 { font-size: 1.1rem; color: var(--navy-800); }
.tier-tag { font-size: 0.82rem; font-weight: 600; color: var(--teal); margin-bottom: 0.8rem; }
.ladder-tier ul { list-style: none; display: grid; gap: 0.45rem; margin-bottom: 0.9rem; }
.ladder-tier li { font-size: 0.87rem; color: var(--ink-soft); padding-left: 1.1rem; position: relative; }
.ladder-tier li::before { content: "▸"; position: absolute; left: 0; color: var(--slate-400); }
.tier-ex { margin-top: auto; font-size: 0.8rem; color: var(--slate-500); border-top: 1px dashed rgba(19,49,92,0.15); padding-top: 0.7rem; }
.ladder-arrow { display: grid; place-items: center; font-size: 1.4rem; color: var(--slate-300); font-weight: 700; }
.ladder-legend {
  display: flex; align-items: center; justify-content: center; gap: 1.5rem; flex-wrap: wrap;
  margin-bottom: 2rem; font-size: 0.85rem; font-weight: 600; color: var(--ink-soft);
}
.ladder-legend .dot { display: inline-block; width: 12px; height: 12px; border-radius: 50%; vertical-align: middle; margin-right: 0.35rem; }
.legend-inc .dot { background: var(--navy-600); }
.legend-fin .dot { background: var(--teal); }
.legend-arrow { color: var(--slate-300); letter-spacing: 0.1em; }

/* Callouts */
.callout { border-radius: var(--radius-sm); padding: 1.3rem 1.5rem; font-size: 0.96rem; color: var(--ink-soft); }
.callout strong { color: var(--navy-800); }
.callout.note { background: rgba(29,78,137,0.07); border-left: 4px solid var(--navy-600); }
.callout.good { background: rgba(47,158,111,0.09); border-left: 4px solid var(--good); }
.callout.warn { background: rgba(224,112,90,0.09); border-left: 4px solid var(--coral); }

/* =========================================================
   Trends
   ========================================================= */
.trend-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.trend {
  background: var(--white); border-radius: var(--radius); padding: 1.7rem;
  box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06); position: relative;
  transition: transform 0.2s, box-shadow 0.25s;
}
.trend:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.trend-no { font-family: var(--serif); font-weight: 700; font-size: 1.6rem; color: var(--teal); opacity: 0.5; }
.trend h3 { font-size: 1.12rem; color: var(--navy-800); margin: 0.4rem 0 0.5rem; }
.trend p { font-size: 0.93rem; color: var(--ink-soft); }

/* =========================================================
   Charts
   ========================================================= */
.chart-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; margin-bottom: 2.5rem; }
.chart-card {
  background: var(--white); border-radius: var(--radius); padding: 1.7rem;
  box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06);
}
.chart-card.wide { grid-column: span 2; }
.chart-card h3 { font-size: 1.1rem; color: var(--navy-800); margin-bottom: 0.3rem; }
.chart-note { font-size: 0.85rem; color: var(--slate-500); margin-bottom: 1.3rem; }
.chart-fine { font-size: 0.78rem; color: var(--slate-400); margin-top: 0.9rem; }

/* Single stacked bar */
.stacked-single { display: flex; height: 46px; border-radius: 10px; overflow: hidden; margin-bottom: 1rem; box-shadow: inset 0 0 0 1px rgba(19,49,92,0.06); }
.stacked-single .seg { width: 0; transition: width 1s cubic-bezier(0.22,1,0.36,1); display: grid; place-items: center; color: #fff; font-weight: 700; font-size: 0.85rem; }
.is-visible .stacked-single .seg { width: var(--w); }
.seg-good { background: var(--good); }
.seg-mid { background: var(--mid); }
.seg-bad { background: var(--bad); }
.seg span { opacity: 0; transition: opacity 0.4s 0.6s; }
.is-visible .seg span { opacity: 1; }

/* Chart keys */
.chart-key { list-style: none; display: flex; gap: 1.2rem; flex-wrap: wrap; font-size: 0.82rem; color: var(--ink-soft); }
.chart-key .k { display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-right: 0.35rem; vertical-align: middle; }
.k-good { background: var(--good); } .k-mid { background: var(--mid); } .k-bad { background: var(--bad); }

/* Bar lists */
.barlist { display: grid; gap: 0.75rem; }
.bar-row { display: grid; grid-template-columns: 1fr; gap: 0.3rem; align-items: center; }
.bar-label { font-size: 0.85rem; color: var(--ink-soft); font-weight: 500; }
.bar-track { position: relative; height: 12px; background: var(--paper-alt); border-radius: 999px; overflow: hidden; }
.bar-fill { position: absolute; inset: 0 auto 0 0; width: 0; border-radius: 999px; transition: width 1.1s cubic-bezier(0.22,1,0.36,1); }
.is-visible .bar-fill { width: calc(var(--w) * 1%); }
.bar-fill.neg { background: linear-gradient(90deg, var(--coral), #e88a76); }
.bar-fill.neu { background: linear-gradient(90deg, var(--gold), var(--gold-soft)); }
.bar-fill.pos { background: linear-gradient(90deg, var(--good), var(--good-soft)); }
.bar-fill.hi { background: linear-gradient(90deg, var(--teal), var(--teal-soft)); }
.bar-fill.mu { background: linear-gradient(90deg, var(--navy-600), var(--slate-400)); }
.bar-fill.lo { background: var(--slate-300); }

.big-bars .bar-row { grid-template-columns: minmax(0,1fr) 90px; grid-template-areas: "label label" "track val"; }
.big-bars .bar-label { grid-area: label; }
.big-bars .bar-track { grid-area: track; height: 16px; }
.big-bars .bar-val { grid-area: val; text-align: right; font-weight: 700; color: var(--navy-700); font-size: 0.95rem; }

/* Generation / task stacked chart */
.gen-chart { display: grid; gap: 0.9rem; margin-bottom: 1.1rem; }
.gen-row { display: grid; grid-template-columns: 130px 1fr; gap: 0.9rem; align-items: center; }
.gen-label { font-size: 0.85rem; font-weight: 600; color: var(--ink-soft); text-align: right; }
.stack { display: flex; height: 30px; border-radius: 8px; overflow: hidden; box-shadow: inset 0 0 0 1px rgba(19,49,92,0.06); }
.stack .seg { width: 0; transition: width 1s cubic-bezier(0.22,1,0.36,1); display: grid; place-items: center; color: #fff; font-weight: 700; font-size: 0.75rem; }
.is-visible .stack .seg { width: var(--w); }

/* Split callout */
.split-callout { display: grid; grid-template-columns: 320px 1fr; gap: 1.5rem; align-items: stretch; margin-bottom: 2rem; }
.split-fact { background: var(--navy-800); color: #fff; border-radius: var(--radius); padding: 1.8rem; display: flex; flex-direction: column; justify-content: center; }
.split-fact .big { font-family: var(--serif); font-weight: 700; font-size: 3.2rem; color: var(--gold-soft); line-height: 1; }
.split-fact p { font-size: 0.92rem; color: var(--slate-300); margin-top: 0.6rem; }

/* =========================================================
   Comfort drivers
   ========================================================= */
.driver-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.driver { background: var(--white); border-radius: var(--radius); padding: 1.7rem; box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06); border-top: 4px solid var(--teal); }
.driver-head { display: flex; align-items: center; gap: 0.7rem; margin-bottom: 0.7rem; }
.driver-num { width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; font-weight: 800; background: var(--teal); color: #fff; flex-shrink: 0; }
.driver-head h3 { font-size: 1.12rem; color: var(--navy-800); }
.driver > p { font-size: 0.92rem; color: var(--ink-soft); margin-bottom: 0.8rem; }
.do-list { list-style: none; display: grid; gap: 0.5rem; margin-bottom: 1rem; }
.do-list li { font-size: 0.87rem; color: var(--ink-soft); padding-left: 1.5rem; position: relative; }
.do-list li::before { content: "✓"; position: absolute; left: 0; color: var(--good); font-weight: 800; }
.driver-ex { font-size: 0.82rem; color: var(--slate-500); border-top: 1px dashed rgba(19,49,92,0.15); padding-top: 0.7rem; }
.driver-ex strong { color: var(--navy-700); }

/* =========================================================
   Exemplars (do well)
   ========================================================= */
.exemplar-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.1rem; margin-bottom: 3rem; }
.exemplar { background: var(--white); border-radius: var(--radius); padding: 1.4rem; box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06); transition: transform 0.2s, box-shadow 0.25s; }
.exemplar:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.ex-top { display: flex; align-items: flex-start; justify-content: space-between; gap: 0.5rem; margin-bottom: 0.3rem; }
.ex-top h3 { font-size: 1.02rem; color: var(--navy-800); }
.tag { font-size: 0.64rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; padding: 0.2rem 0.5rem; border-radius: 999px; white-space: nowrap; }
.tag-fin { background: rgba(46,167,163,0.16); color: #1c7c79; }
.tag-inc { background: rgba(29,78,137,0.12); color: var(--navy-600); }
.ex-role { font-size: 0.78rem; font-weight: 600; color: var(--gold); margin-bottom: 0.6rem; }
.exemplar p:last-child { font-size: 0.87rem; color: var(--ink-soft); }

.practices { background: var(--white); border-radius: var(--radius); padding: 2rem; box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06); }
.practices-title { font-family: var(--serif); font-weight: 600; font-size: 1.4rem; color: var(--navy-800); }
.practices-sub { font-size: 0.95rem; color: var(--ink-soft); margin: 0.4rem 0 1.4rem; }
.practice-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; }
.practice { padding: 1.1rem 1.2rem; background: var(--paper); border-radius: var(--radius-sm); border-left: 3px solid var(--teal); }
.practice h4 { font-size: 0.98rem; color: var(--navy-700); margin-bottom: 0.3rem; }
.practice p { font-size: 0.85rem; color: var(--ink-soft); }

/* =========================================================
   Benchmark matrix
   ========================================================= */
.legend-row { display: flex; gap: 0.9rem; flex-wrap: wrap; margin-bottom: 1.2rem; }
.hl { font-size: 0.78rem; font-weight: 700; padding: 0.3rem 0.7rem; border-radius: 999px; }
.hl-y { background: rgba(47,158,111,0.16); color: #24734f; }
.hl-p { background: rgba(217,164,65,0.2); color: #9c7318; }
.hl-n { background: rgba(209,104,90,0.16); color: #a94a3c; }
.hl-na { background: var(--paper-alt); color: var(--slate-500); }

.matrix-wrap { overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.08); background: var(--white); }
.matrix { border-collapse: collapse; width: 100%; min-width: 900px; font-size: 0.82rem; }
.matrix th, .matrix td { padding: 0.55rem 0.4rem; text-align: center; border-bottom: 1px solid rgba(19,49,92,0.06); }
.matrix thead th { position: sticky; top: 0; background: var(--navy-800); color: #fff; font-weight: 600; font-size: 0.74rem; z-index: 2; vertical-align: bottom; }
.matrix thead th small { display: block; font-size: 0.6rem; opacity: 0.7; font-weight: 400; }
.matrix thead th.star { background: var(--navy-700); box-shadow: inset 0 -3px 0 var(--gold); }
.matrix thead th.mob { background: #10294b; }
.matrix .corner { text-align: left; }
.matrix tbody th { text-align: left; font-weight: 600; color: var(--navy-800); white-space: nowrap; padding-left: 0.9rem; position: sticky; left: 0; background: var(--white); z-index: 1; }
.matrix tbody th em { font-weight: 400; color: var(--slate-400); font-size: 0.9em; }
.matrix tbody tr:hover td, .matrix tbody tr:hover th { background: var(--paper); }
.matrix td { font-weight: 700; }
.matrix td.y { color: #24734f; background: rgba(47,158,111,0.1); }
.matrix td.p { color: #9c7318; background: rgba(217,164,65,0.12); }
.matrix td.n { color: #a94a3c; background: rgba(209,104,90,0.09); }
.matrix td.na { color: var(--slate-300); }

.benchmark-takeaways { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.1rem; margin-top: 2rem; }
.bt { background: var(--white); border-radius: var(--radius); padding: 1.4rem; box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06); }
.bt-num { font-family: var(--serif); font-weight: 700; font-size: 2.4rem; color: var(--navy-700); line-height: 1; display: block; margin-bottom: 0.4rem; }
.bt p { font-size: 0.87rem; color: var(--ink-soft); }

/* =========================================================
   Opportunities
   ========================================================= */
.opp-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; margin-bottom: 2rem; }
.opp { background: var(--white); border-radius: var(--radius); padding: 1.7rem; box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06); transition: transform 0.2s, box-shadow 0.25s; }
.opp:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.opp-stat { font-family: var(--serif); font-weight: 700; font-size: 2.6rem; line-height: 1; color: var(--coral); margin-bottom: 0.5rem; }
.opp h3 { font-size: 1.08rem; color: var(--navy-800); margin-bottom: 0.4rem; }
.opp p { font-size: 0.9rem; color: var(--ink-soft); }

/* =========================================================
   Harvey ball matrix + verticals
   ========================================================= */
.harvey-wrap { background: var(--white); border-radius: var(--radius); padding: 1.8rem; box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06); margin-bottom: 2.5rem; overflow-x: auto; }
.harvey-table { border-collapse: collapse; width: 100%; min-width: 520px; }
.harvey-table th, .harvey-table td { padding: 0.7rem 1rem; text-align: center; border-bottom: 1px solid rgba(19,49,92,0.06); }
.harvey-table thead th { color: var(--navy-700); font-size: 0.85rem; font-weight: 700; }
.harvey-table .corner, .harvey-table tbody th { text-align: left; color: var(--navy-800); font-weight: 600; font-size: 0.92rem; }
.hb {
  display: inline-block; width: 24px; height: 24px; border-radius: 50%;
  background: conic-gradient(var(--navy-700) calc(var(--p) * 1%), var(--paper-alt) 0);
  box-shadow: inset 0 0 0 1.5px var(--navy-700); vertical-align: middle;
}
.harvey-legend { list-style: none; display: flex; gap: 1.4rem; flex-wrap: wrap; margin-top: 1.2rem; font-size: 0.82rem; color: var(--ink-soft); align-items: center; }
.harvey-legend li { display: flex; align-items: center; gap: 0.4rem; }
.harvey-legend .hb { width: 18px; height: 18px; }

.vert-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.vert { background: var(--white); border-radius: var(--radius); padding: 1.6rem; box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06); border-top: 4px solid var(--navy-600); }
.vert h3 { font-size: 1.1rem; color: var(--navy-800); margin-bottom: 0.7rem; }
.vert-stats { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: 0.9rem; }
.vert-stats span { font-size: 0.76rem; background: var(--paper-alt); color: var(--ink-soft); padding: 0.28rem 0.6rem; border-radius: 999px; }
.vert-stats b { color: var(--navy-700); }
.vert p { font-size: 0.87rem; color: var(--ink-soft); margin-bottom: 0.5rem; }
.vert p b { color: var(--navy-700); }

/* =========================================================
   Path forward
   ========================================================= */
.forward-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.forward { background: var(--white); border-radius: var(--radius); padding: 1.8rem; box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06); position: relative; padding-left: 2.4rem; }
.forward::before { content: ""; position: absolute; left: 1.4rem; top: 1.9rem; width: 10px; height: 10px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 4px rgba(217,164,65,0.2); }
.forward h3 { font-size: 1.14rem; color: var(--navy-800); margin-bottom: 0.5rem; }
.forward p { font-size: 0.93rem; color: var(--ink-soft); }

/* =========================================================
   Appendix
   ========================================================= */
.appendix-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.glossary, .sources { background: var(--white); border-radius: var(--radius); padding: 1.9rem; box-shadow: var(--shadow-sm); border: 1px solid rgba(19,49,92,0.06); }
.glossary h3, .sources h3 { font-size: 1.15rem; color: var(--navy-800); margin-bottom: 1rem; }
.glossary dl { display: grid; gap: 0.8rem; }
.glossary dt { font-weight: 700; color: var(--navy-700); font-size: 0.92rem; }
.glossary dd { font-size: 0.88rem; color: var(--ink-soft); margin-bottom: 0.3rem; }
.source-list { list-style: none; display: grid; gap: 1.1rem; margin-bottom: 1.2rem; }
.source-list li { font-size: 0.9rem; color: var(--ink-soft); padding-left: 1rem; border-left: 3px solid var(--teal); }
.source-list strong { color: var(--navy-800); }
.disclaimer { font-size: 0.78rem; color: var(--slate-400); font-style: italic; }

/* =========================================================
   Footer
   ========================================================= */
.footer { background: var(--navy-900); color: var(--slate-300); padding: 2.5rem 0; }
.footer-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap; }
.footer-brand { font-weight: 700; color: #fff; }
.footer-meta { font-size: 0.85rem; }
.back-top { font-size: 0.85rem; font-weight: 600; color: var(--teal-soft); }
.back-top:hover { color: #fff; }

/* =========================================================
   Reveal animation
   ========================================================= */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.7s ease, transform 0.7s cubic-bezier(0.22,1,0.36,1); }
.reveal.is-visible { opacity: 1; transform: none; }

/* =========================================================
   Responsive
   ========================================================= */
@media (max-width: 1024px) {
  .card-grid, .trend-grid, .driver-grid, .opp-grid, .vert-grid { grid-template-columns: repeat(2, 1fr); }
  .exemplar-grid { grid-template-columns: repeat(2, 1fr); }
  .benchmark-takeaways { grid-template-columns: repeat(2, 1fr); }
  .practice-row { grid-template-columns: 1fr; }
  .ladder { grid-template-columns: 1fr; }
  .ladder-arrow { transform: rotate(90deg); }
  .stat-band { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 860px) {
  .nav-toggle { display: flex; }
  .nav-links {
    position: fixed; top: var(--nav-h); left: 0; right: 0;
    background: var(--white); flex-direction: column; gap: 0; padding: 0.5rem 1rem 1rem;
    box-shadow: var(--shadow-md); transform: translateY(-120%); transition: transform 0.3s ease; margin-left: 0;
    max-height: calc(100vh - var(--nav-h)); overflow-y: auto;
  }
  .nav-links.open { transform: translateY(0); }
  .nav-links a { padding: 0.8rem 0.6rem; border-bottom: 1px solid rgba(19,49,92,0.06); font-size: 0.95rem; }
}
@media (max-width: 680px) {
  .chart-grid { grid-template-columns: 1fr; }
  .chart-card.wide { grid-column: span 1; }
  .card-grid, .trend-grid, .driver-grid, .opp-grid, .vert-grid, .exemplar-grid, .forward-grid, .appendix-grid, .benchmark-takeaways, .split-callout { grid-template-columns: 1fr; }
  .stat-band { grid-template-columns: 1fr 1fr; }
  .gen-row { grid-template-columns: 96px 1fr; }
  .gen-label { font-size: 0.78rem; }
  .footer-inner { flex-direction: column; text-align: center; }
}

/* =========================================================
   Print
   ========================================================= */
@media print {
  .nav, .progress, .scroll-hint, .nav-toggle, .hero-cta { display: none !important; }
  body { background: #fff; }
  .hero { min-height: auto; color: #000; background: #fff; padding: 2rem 0; }
  .hero-bg { display: none; }
  .hero-title, .grad { color: #000 !important; -webkit-text-fill-color: #000; }
  .hero-sub, .hero-sources li { color: #333; }
  .section { padding: 1.5rem 0; break-inside: avoid; }
  .reveal { opacity: 1 !important; transform: none !important; }
  .is-visible .bar-fill, .bar-fill { width: calc(var(--w) * 1%) !important; }
  .card, .trend, .chart-card, .driver, .exemplar, .opp, .vert, .forward, .stat, .bt { box-shadow: none; border: 1px solid #ccc; break-inside: avoid; }
  .matrix-wrap { overflow: visible; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .bar-fill, .seg { transition: none; }
}

/* =========================================================
   Screenshots / figures (captured from the source reports)
   ========================================================= */
.ex-shot { margin: -1.4rem -1.4rem 1.1rem; height: 178px; overflow: hidden; background: #eef2f7; border-bottom: 1px solid rgba(19,49,92,0.08); border-radius: var(--radius) var(--radius) 0 0; }
.ex-shot img { width: 100%; height: 100%; object-fit: cover; object-position: top center; display: block; }

.src-note { font-size: 0.78rem; color: var(--slate-400); margin: 0.9rem 0 2rem; }
.src-note::before { content: "\1F5BC\FE0F"; margin-right: 0.4rem; }

/* Framework ladder example strip */
.ladder-shots { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin-top: 1.8rem; }
.shot-fig { margin: 0; background: var(--white); border-radius: var(--radius-sm); border: 1px solid rgba(19,49,92,0.08); box-shadow: var(--shadow-sm); overflow: hidden; }
.shot-fig .shot-img { height: 150px; background: #eef2f7; overflow: hidden; }
.shot-fig .shot-img img { width: 100%; height: 100%; object-fit: cover; object-position: top center; display: block; }
.shot-fig figcaption { padding: 0.6rem 0.75rem; font-size: 0.76rem; color: var(--ink-soft); }
.shot-fig figcaption strong { display: block; color: var(--navy-700); font-size: 0.82rem; margin-bottom: 0.1rem; }

/* Benchmark: source exhibit + VA examples */
.source-exhibit { margin-top: 2.4rem; background: var(--white); border-radius: var(--radius); border: 1px solid rgba(19,49,92,0.08); box-shadow: var(--shadow-sm); overflow: hidden; }
.source-exhibit img { width: 100%; height: auto; display: block; border-bottom: 1px solid rgba(19,49,92,0.06); }
.exhibit-cap { padding: 0.8rem 1.1rem; font-size: 0.8rem; color: var(--ink-soft); }
.exhibit-cap strong { color: var(--navy-700); }

.va-examples { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.2rem; margin-top: 1.6rem; }
.va-ex { margin: 0; background: var(--white); border-radius: var(--radius); border: 1px solid rgba(19,49,92,0.08); box-shadow: var(--shadow-sm); overflow: hidden; }
.va-ex .shot-img { height: 300px; background: #eef2f7; overflow: hidden; display: flex; align-items: center; justify-content: center; }
.va-ex .shot-img img { height: 100%; width: auto; max-width: 100%; object-fit: contain; display: block; }
.va-ex figcaption { padding: 0.85rem 1.05rem; font-size: 0.85rem; color: var(--ink-soft); }
.va-ex figcaption strong { display: block; color: var(--navy-700); margin-bottom: 0.15rem; }

@media (max-width: 1024px) {
  .ladder-shots { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 680px) {
  .ladder-shots, .va-examples { grid-template-columns: 1fr; }
  .ex-shot { height: 200px; }
}
@media print {
  .ex-shot, .shot-fig, .source-exhibit, .va-ex { break-inside: avoid; }
  .ex-shot img, .shot-fig img, .source-exhibit img, .va-ex img { max-width: 100%; }
}