*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
:root {
  --navy: #0D1B2A; --navy-mid: #1A2E44;
  --gold: #C9A84C; --gold-light: #E8CC7A;
  --off-white: #F7F5F0; --text-dark: #1A1A2E;
  --text-mid: #4A5568; --text-light: #718096;
  --border: rgba(201,168,76,0.2);
}
html { scroll-behavior: smooth; }
body { font-family: 'Source Sans 3', sans-serif; background: var(--off-white); color: var(--text-dark); font-size: 16px; line-height: 1.6; }

/* ── Nav ── */
nav { background: var(--navy); padding: 0 2rem; display: flex; align-items: center; justify-content: space-between; height: 64px; position: sticky; top: 0; z-index: 100; border-bottom: 1px solid var(--gold); }
.nav-brand { font-family: 'Playfair Display', serif; color: var(--gold); font-size: 16px; letter-spacing: 0.03em; font-weight: 500; line-height: 1.2; }
.nav-brand small { display: block; color: rgba(255,255,255,0.4); font-size: 10px; letter-spacing: 0.1em; font-family: 'Source Sans 3', sans-serif; text-transform: uppercase; font-weight: 400; }
.nav-links { display: flex; }
.nav-link { color: rgba(255,255,255,0.65); font-size: 11px; padding: 0 14px; height: 64px; display: flex; align-items: center; cursor: pointer; letter-spacing: 0.08em; text-transform: uppercase; font-weight: 500; border-bottom: 2px solid transparent; transition: color 0.2s, border-color 0.2s; user-select: none; }
.nav-link:hover, .nav-link.active { color: var(--gold); border-bottom-color: var(--gold); }

/* ── Sections ── */
.section { display: none; }
.section.active { display: block; }

/* ── Hero ── */
.hero { background: var(--navy); min-height: 460px; display: flex; flex-direction: column; justify-content: center; padding: 5rem 4rem 4.5rem; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; right: -100px; top: -100px; width: 500px; height: 500px; border: 1px solid rgba(201,168,76,0.1); border-radius: 50%; pointer-events: none; }
.hero::after  { content: ''; position: absolute; right: 100px; top: 60px; width: 260px; height: 260px; border: 1px solid rgba(201,168,76,0.15); border-radius: 50%; pointer-events: none; }
.hero-inst { color: var(--gold); font-size: 10px; letter-spacing: 0.22em; text-transform: uppercase; font-weight: 600; margin-bottom: 0.6rem; }
.hero h1 { font-family: 'Playfair Display', serif; color: #fff; font-size: 44px; line-height: 1.16; max-width: 640px; font-weight: 500; margin-bottom: 0.7rem; }
.hero h1 span { color: var(--gold); }
.hero-meta { color: rgba(255,255,255,0.38); font-size: 12px; margin-bottom: 1.2rem; letter-spacing: 0.05em; }
.hero-desc { color: rgba(255,255,255,0.6); font-size: 15px; max-width: 520px; line-height: 1.7; margin-bottom: 2.2rem; font-weight: 300; }
.hero-pills { display: flex; gap: 8px; flex-wrap: wrap; }
.pill { background: rgba(201,168,76,0.1); color: var(--gold-light); border: 1px solid rgba(201,168,76,0.28); padding: 5px 15px; border-radius: 2px; font-size: 11px; letter-spacing: 0.07em; font-weight: 500; }

/* ── Content ── */
.content { max-width: 980px; margin: 0 auto; padding: 3rem 2rem; }
.sec-header { margin-bottom: 2.2rem; padding-bottom: 1.2rem; border-bottom: 1px solid var(--border); }
.sec-tag   { color: var(--gold); font-size: 10px; letter-spacing: 0.22em; text-transform: uppercase; font-weight: 600; margin-bottom: 0.5rem; }
.sec-title { font-family: 'Playfair Display', serif; font-size: 30px; color: var(--navy); font-weight: 500; }
.sec-desc  { color: var(--text-mid); font-size: 14px; margin-top: 0.5rem; max-width: 660px; line-height: 1.65; }

/* ── Cards ── */
.cards-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1.1rem; margin-top: 1.2rem; }
.card { background: #fff; border: 1px solid rgba(0,0,0,0.07); border-top: 3px solid var(--gold); padding: 1.4rem; border-radius: 2px; }
.card h3 { font-family: 'Playfair Display', serif; font-size: 15px; color: var(--navy); margin-bottom: 0.5rem; font-weight: 500; }
.card p  { color: var(--text-mid); font-size: 13px; line-height: 1.65; }
.card-link { display: inline-block; margin-top: 0.9rem; color: var(--gold); font-size: 11px; font-weight: 600; letter-spacing: 0.07em; text-transform: uppercase; cursor: pointer; border-bottom: 1px solid transparent; transition: border-color 0.2s; }
.card-link:hover { border-bottom-color: var(--gold); }

/* ── Info blocks ── */
.info-block { background: #fff; border: 1px solid rgba(0,0,0,0.07); border-left: 4px solid var(--gold); padding: 1.2rem 1.5rem; margin-bottom: 1.1rem; border-radius: 0 2px 2px 0; }
.info-block h3 { font-family: 'Playfair Display', serif; font-size: 16px; color: var(--navy); margin-bottom: 0.4rem; font-weight: 500; }
.info-block p  { color: var(--text-mid); font-size: 13px; line-height: 1.65; }
.info-block ul { color: var(--text-mid); font-size: 13px; line-height: 1.75; padding-left: 1.2rem; margin-top: 0.5rem; }

/* ── Two col ── */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }
@media (max-width: 640px) { .two-col { grid-template-columns: 1fr; } }

/* ── Steps ── */
.step { display: flex; gap: 1.2rem; margin-bottom: 1rem; background: #fff; border: 1px solid rgba(0,0,0,0.07); padding: 1.2rem 1.4rem; border-radius: 2px; }
.step-num { flex-shrink: 0; width: 36px; height: 36px; background: var(--navy); color: var(--gold); display: flex; align-items: center; justify-content: center; font-family: 'Playfair Display', serif; font-size: 16px; font-weight: 500; border-radius: 2px; }
.step-body h4 { font-family: 'Playfair Display', serif; font-size: 15px; color: var(--navy); margin-bottom: 3px; font-weight: 500; }
.step-body p  { color: var(--text-mid); font-size: 13px; line-height: 1.65; }

/* ── Stats ── */
.stat-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin: 1.8rem 0; }
@media (max-width: 600px) { .stat-row { grid-template-columns: 1fr; } }
.stat-card  { background: var(--navy); padding: 1.4rem; border-radius: 2px; text-align: center; }
.stat-num   { font-family: 'Playfair Display', serif; font-size: 32px; color: var(--gold); font-weight: 400; line-height: 1; }
.stat-label { color: rgba(255,255,255,0.55); font-size: 11px; margin-top: 7px; letter-spacing: 0.04em; line-height: 1.45; }

/* ── Accordion ── */
.accordion   { margin-bottom: 0.5rem; }
.acc-header  { background: #fff; border: 1px solid rgba(0,0,0,0.07); padding: 0.95rem 1.2rem; display: flex; justify-content: space-between; align-items: center; cursor: pointer; font-weight: 500; font-size: 14px; color: var(--navy); border-radius: 2px; transition: background 0.15s; user-select: none; }
.acc-header:hover { background: #faf9f6; }
.acc-arrow   { color: var(--gold); font-size: 13px; transition: transform 0.2s; }
.acc-arrow.open { transform: rotate(180deg); }
.acc-body    { display: none; background: #fff; border: 1px solid rgba(0,0,0,0.07); border-top: none; padding: 1rem 1.2rem 1.2rem; font-size: 13px; color: var(--text-mid); line-height: 1.7; border-radius: 0 0 2px 2px; }
.acc-body.open { display: block; }
.acc-body ul { padding-left: 1.2rem; margin-top: 0.5rem; }
.acc-body li { margin-bottom: 0.3rem; }

/* ── Table ── */
.table-wrap { overflow-x: auto; margin-top: 1rem; }
table { width: 100%; border-collapse: collapse; font-size: 12px; }
th { background: var(--navy); color: var(--gold); padding: 9px 12px; text-align: left; font-weight: 500; font-size: 11px; letter-spacing: 0.07em; text-transform: uppercase; }
td { padding: 8px 12px; border-bottom: 1px solid rgba(0,0,0,0.06); color: var(--text-mid); vertical-align: top; }
tr:hover td { background: #faf9f6; }

/* ── Regime cards ── */
.regime-card { background: #fff; border: 1px solid rgba(0,0,0,0.07); border-radius: 2px; padding: 1.4rem; margin-bottom: 1rem; }
.regime-num  { display: inline-block; background: var(--navy); color: var(--gold); font-size: 11px; padding: 2px 11px; border-radius: 2px; font-weight: 600; letter-spacing: 0.07em; margin-bottom: 0.6rem; }
.regime-card h3 { font-family: 'Playfair Display', serif; font-size: 17px; color: var(--navy); margin-bottom: 0.5rem; font-weight: 500; }
.regime-card p  { color: var(--text-mid); font-size: 13px; line-height: 1.65; margin-bottom: 0.5rem; }
.tag-list { margin-top: 0.7rem; }
.tag { display: inline-block; background: rgba(201,168,76,0.08); color: #7a5c10; border: 1px solid rgba(201,168,76,0.25); font-size: 11px; padding: 2px 10px; border-radius: 2px; margin: 2px 3px 2px 0; font-weight: 500; }

/* ── Carrera tabs ── */
.carrera-tabs  { display: flex; border-bottom: 1px solid var(--border); margin-bottom: 1.2rem; }
.ctab          { padding: 9px 20px; cursor: pointer; font-size: 12px; font-weight: 600; letter-spacing: 0.07em; text-transform: uppercase; color: var(--text-mid); border-bottom: 2px solid transparent; transition: color 0.2s, border-color 0.2s; user-select: none; }
.ctab.active, .ctab:hover { color: var(--gold); border-bottom-color: var(--gold); }
.carrera-panel        { display: none; }
.carrera-panel.active { display: block; }

/* ── Market grid ── */
.market-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1.2rem; }
@media (max-width: 600px) { .market-grid { grid-template-columns: 1fr; } }
.market-step { background: #fff; border: 1px solid rgba(0,0,0,0.07); border-radius: 2px; padding: 1.1rem 1.2rem; display: flex; gap: 12px; align-items: flex-start; }
.market-icon { width: 32px; height: 32px; background: rgba(201,168,76,0.1); border-radius: 2px; display: flex; align-items: center; justify-content: center; font-size: 15px; flex-shrink: 0; }
.market-step h4 { font-family: 'Playfair Display', serif; font-size: 14px; color: var(--navy); margin-bottom: 4px; font-weight: 500; }
.market-step p  { font-size: 12px; color: var(--text-mid); line-height: 1.6; }

/* ── Highlight box ── */
.highlight-box { background: var(--navy); border-radius: 2px; padding: 1.5rem 1.8rem; margin: 1.8rem 0; }
.highlight-box p      { color: rgba(255,255,255,0.72); font-size: 13px; line-height: 1.75; }
.highlight-box strong { color: var(--gold); }
.divider { height: 1px; background: var(--border); margin: 2rem 0; }

/* ── Footer ── */
footer { background: var(--navy); color: rgba(255,255,255,0.38); text-align: center; padding: 1.6rem 2rem; font-size: 11px; letter-spacing: 0.04em; border-top: 1px solid var(--gold); line-height: 1.8; }
footer span { color: var(--gold); }

/* ── Responsive ── */
@media (max-width: 780px) {
  nav { flex-direction: column; height: auto; padding: 0.8rem 1rem; }
  .nav-links { flex-wrap: wrap; justify-content: center; }
  .nav-link  { height: 40px; font-size: 10px; padding: 0 8px; }
  .hero { padding: 3rem 1.5rem 2.5rem; }
  .hero h1  { font-size: 30px; }
  .content  { padding: 2rem 1rem; }
}