:root{
  --ink:#14201f; --ink-2:#1d2b2a; --slate:#5b6a69;
  --teal:#1f4f49; --teal-br:#2f7368; --clay:#96603c; --clay-lt:#b4794f;
  --paper:#faf8f4; --paper-2:#f1eee7;
  --line:rgba(20,32,31,.12); --line-dk:rgba(255,255,255,.12);
  --warn:#8a5a1f;
  --sans:'IBM Plex Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --serif:'Source Serif 4',Georgia,'Times New Roman',serif;
  --mono:'IBM Plex Mono',ui-monospace,SFMono-Regular,Menlo,monospace;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--serif);color:var(--ink);background:var(--paper);line-height:1.75;overflow-x:hidden}
img{max-width:100%}

/* ---- nav ---- */
nav{position:sticky;top:0;z-index:90;background:var(--ink);border-bottom:1px solid var(--line-dk)}
.nav-in{max-width:1180px;margin:0 auto;padding:0 24px;height:60px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:baseline;gap:10px;text-decoration:none}
.brand-mark{font-family:var(--mono);font-size:.82rem;font-weight:600;color:var(--ink);background:var(--clay-lt);padding:5px 9px;border-radius:3px}
.brand-txt{font-family:var(--sans);font-size:.72rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.5)}
.nav-links{display:flex;gap:22px;list-style:none;align-items:center}
.nav-links a{font-family:var(--sans);font-size:.83rem;font-weight:500;color:rgba(255,255,255,.72);text-decoration:none;transition:color .2s}
.nav-links a:hover,.nav-links a.on{color:#fff}
.nav-cta{font-family:var(--sans);font-size:.82rem;font-weight:600;color:#fff;background:var(--teal-br);padding:9px 17px;border-radius:3px;text-decoration:none;white-space:nowrap}
.nav-cta:hover{background:var(--teal)}
@media(max-width:900px){.nav-links{display:none}}

/* ---- shell ---- */
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.col{max-width:720px;margin:0 auto;padding:0 24px}

.crumb{font-family:var(--sans);font-size:.78rem;color:var(--slate);padding:26px 0 0}
.crumb a{color:var(--teal-br);text-decoration:none}
.crumb a:hover{text-decoration:underline}

.eyebrow{font-family:var(--sans);font-size:.7rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--clay);margin-bottom:14px}
h1{font-weight:400;font-size:clamp(1.75rem,4.2vw,2.6rem);line-height:1.18;letter-spacing:-.01em;text-wrap:balance;margin-bottom:18px}
.stand{font-size:1.12rem;color:#35433f;margin-bottom:22px}
.asof{font-family:var(--sans);font-size:.74rem;letter-spacing:.06em;text-transform:uppercase;color:var(--slate);padding-bottom:26px;border-bottom:1px solid var(--line);margin-bottom:34px}

article h2{font-family:var(--sans);font-size:1.12rem;font-weight:700;letter-spacing:-.01em;margin:40px 0 12px;color:var(--teal)}
article h3{font-family:var(--sans);font-size:.95rem;font-weight:600;margin:26px 0 8px}
article p{margin-bottom:16px}
article ul,article ol{margin:0 0 18px 22px}
article li{margin-bottom:9px}
article strong{font-weight:600}
article a{color:var(--teal-br)}

.flag{border-left:3px solid var(--clay-lt);background:var(--paper-2);padding:16px 20px;margin:24px 0;font-family:var(--sans);font-size:.92rem;line-height:1.65;border-radius:0 3px 3px 0}
.flag strong{display:block;margin-bottom:5px;color:var(--warn)}

.tbl{width:100%;overflow-x:auto;margin:22px 0}
table{border-collapse:collapse;width:100%;font-family:var(--sans);font-size:.88rem;min-width:420px}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-weight:600;color:var(--teal);font-size:.76rem;letter-spacing:.06em;text-transform:uppercase}

.src{margin-top:44px;padding-top:24px;border-top:1px solid var(--line);font-family:var(--sans);font-size:.84rem;color:var(--slate)}
.src h4{font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--ink);margin-bottom:12px}
.src ul{list-style:none;margin:0}
.src li{margin-bottom:7px}
.src a{color:var(--teal-br);text-decoration:none}
.src a:hover{text-decoration:underline}

.pager{display:flex;flex-wrap:wrap;gap:14px;justify-content:space-between;margin:40px 0 0;font-family:var(--sans);font-size:.86rem}
.pager a{color:var(--teal-br);text-decoration:none;max-width:46%}
.pager a:hover{text-decoration:underline}
.pager span{display:block;font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--slate);margin-bottom:3px}

.cta{background:var(--ink);color:var(--paper);margin-top:56px;padding:46px 0}
.cta .col{text-align:center}
.cta h3{font-family:var(--serif);font-weight:400;font-size:1.5rem;margin-bottom:10px}
.cta p{font-family:var(--sans);font-size:.94rem;color:rgba(255,255,255,.7);margin-bottom:22px}
.cta a{display:inline-block;font-family:var(--sans);font-size:.88rem;font-weight:600;color:#fff;background:var(--teal-br);padding:12px 26px;border-radius:3px;text-decoration:none}
.cta a:hover{background:var(--teal)}

/* ---- insights index ---- */
.hero{padding:48px 0 10px}
.ilist{display:grid;gap:0;margin:34px 0 0;border-top:1px solid var(--line)}
.icard{display:block;padding:24px 0;border-bottom:1px solid var(--line);text-decoration:none;color:inherit;transition:background .18s}
.icard:hover{background:var(--paper-2)}
.icard .n{font-family:var(--mono);font-size:.75rem;color:var(--clay);margin-bottom:7px}
.icard h2{font-family:var(--serif);font-weight:400;font-size:1.22rem;line-height:1.3;margin-bottom:7px;color:var(--ink)}
.icard p{font-family:var(--sans);font-size:.9rem;color:var(--slate);line-height:1.6;margin:0}

/* ---- footer ---- */
footer{background:var(--ink);color:rgba(255,255,255,.7);padding:44px 0 34px;font-family:var(--sans)}
footer h4{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#fff;margin-bottom:12px}
.f-top{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:34px}
.f-top ul{list-style:none;margin:0}
.f-top li{margin-bottom:7px;font-size:.86rem}
.f-top a{color:rgba(255,255,255,.7);text-decoration:none}
.f-top a:hover{color:#fff}
.f-bot{margin-top:32px;padding-top:20px;border-top:1px solid var(--line-dk);font-size:.8rem;color:rgba(255,255,255,.45)}
.legal{margin-top:20px;font-size:.73rem;line-height:1.6;color:rgba(255,255,255,.4)}
.legal p{margin-bottom:9px}
.legal .lt{font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.6)}
@media(max-width:800px){.f-top{grid-template-columns:1fr;gap:24px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important}html{scroll-behavior:auto}}