:root {
  --ink:#020711;
  --ink2:#04142c;
  --navy:#061a38;
  --navy2:#0a3565;
  --navy3:#0d4b82;
  --cyan:#86e8ff;
  --cyan2:#48c8ef;
  --blue:#4c74ff;
  --green:#31d7a4;
  --paper:#f3f7fa;
  --paper2:#e8f1f6;
  --white:#fff;
  --muted:#a9bdd0;
  --dark-muted:#5f7388;
  --line:rgba(255,255,255,.13);
  --shell:min(1360px,calc(100vw - 64px));
  --serif:"Iowan Old Style","Baskerville","Palatino Linotype",Georgia,serif;
  --sans:"Arial Nova","Aptos","Segoe UI",Arial,sans-serif;
  --ease:cubic-bezier(.2,.7,.2,1);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;background:var(--ink)}
body{margin:0;background:var(--ink);color:#fff;font-family:var(--sans);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit}
img,svg{display:block;max-width:100%}
button{font:inherit}
.shell{width:var(--shell);margin:auto}
.display{margin:0;font-family:var(--serif);font-weight:500;line-height:.96;letter-spacing:-.052em}
.kicker{font-size:9px;font-weight:900;letter-spacing:.2em;text-transform:uppercase;color:#1682b7}
.kicker.light{color:var(--cyan)}
.button{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:50px;padding:0 22px;border:1px solid transparent;text-decoration:none;font-size:10px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;transition:transform .2s ease,background .2s ease,box-shadow .2s ease}
.button:hover{transform:translateY(-2px)}
.button.primary{background:linear-gradient(135deg,var(--cyan),#6bbef2);color:#04142c;box-shadow:0 15px 35px rgba(79,187,236,.24)}
.button.secondary{border-color:rgba(134,232,255,.27);background:rgba(255,255,255,.035);color:#fff}
.reveal{opacity:0;transform:translateY(22px);transition:opacity .72s var(--ease),transform .72s var(--ease)}
.reveal.visible{opacity:1;transform:none}

/* Fixed navigation */
.progress{position:fixed;z-index:2500;top:0;left:0;right:0;height:2px;background:rgba(255,255,255,.05)}
.progress span{display:block;width:0;height:100%;background:linear-gradient(90deg,var(--cyan),var(--blue),var(--green));box-shadow:0 0 18px rgba(134,232,255,.7)}
.site-header{position:fixed;z-index:2400;top:0;left:0;right:0;height:82px;display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:24px;padding:0 28px;background:linear-gradient(135deg,rgba(2,9,23,.97),rgba(7,25,53,.97) 60%,rgba(8,41,80,.95));border-bottom:1px solid rgba(134,232,255,.16);box-shadow:0 18px 42px rgba(0,0,0,.24);backdrop-filter:blur(18px);transition:height .25s ease}
.site-header.compact{height:70px}
.brand{display:flex;align-items:center;text-decoration:none}
.brand img{width:176px;filter:drop-shadow(0 8px 18px rgba(0,0,0,.2))}
.primary-nav{display:flex;justify-content:center;align-items:center;gap:2px}
.primary-nav a{padding:10px 12px;border-radius:999px;text-decoration:none;color:#c7d7e7;font-size:9px;font-weight:900;letter-spacing:.09em;text-transform:uppercase;white-space:nowrap}
.primary-nav a:hover,.primary-nav a.active{color:#fff;background:rgba(134,232,255,.08)}
.header-actions{display:flex;align-items:center;gap:11px}
.header-actions a{text-decoration:none}
.header-contact{font-size:9px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;color:#e5f3ff}
.header-apply{display:inline-flex;align-items:center;justify-content:center;min-height:43px;padding:0 19px;border-radius:999px;background:linear-gradient(135deg,var(--cyan),#74bdff);color:#04142c;font-size:9px;font-weight:900;letter-spacing:.1em;text-transform:uppercase}
.menu-toggle{display:none;border:0;background:transparent;padding:8px;color:#fff}
.menu-toggle span{display:block;width:24px;height:2px;margin:5px;background:#fff}

.chapter-nav{position:fixed;z-index:2200;top:82px;left:0;right:0;height:51px;display:flex;align-items:center;justify-content:center;gap:3px;padding:0 16px;background:rgba(246,249,251,.97);border-bottom:1px solid #d0dee7;box-shadow:0 12px 30px rgba(6,24,49,.09);backdrop-filter:blur(15px);overflow-x:auto}
.chapter-nav a{display:flex;align-items:center;gap:7px;padding:8px 12px;border-radius:999px;text-decoration:none;color:#60748a;font-size:8px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;white-space:nowrap}
.chapter-nav a b{color:#93a7b8;font-size:7px}
.chapter-nav a.active{color:#075d99;background:#e1f1f9;box-shadow:inset 0 0 0 1px #c5dfed}
.chapter-nav a.active b{color:#1685b8}

/* Hero */
.hero{position:relative;min-height:930px;padding:205px 0 110px;overflow:hidden;background:
radial-gradient(circle at 83% 16%,rgba(68,177,238,.25),transparent 29%),
radial-gradient(circle at 10% 80%,rgba(49,215,164,.10),transparent 25%),
linear-gradient(145deg,#020816,#061933 60%,#092e5b)}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.022) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.022) 1px,transparent 1px);background-size:54px 54px;mask-image:linear-gradient(180deg,rgba(0,0,0,.78),transparent 88%)}
.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1.1fr) 460px;gap:60px;align-items:center}
.hero h1{max-width:900px;font-size:clamp(65px,7.2vw,116px);color:#fff}
.hero h1 span{display:block;color:var(--cyan)}
.hero-subtitle{max-width:790px;margin:29px 0 0;color:#c5d8e8;font-size:20px;line-height:1.72}
.hero-note{margin-top:20px;color:var(--cyan);font-family:var(--serif);font-size:18px;font-style:italic}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px}
.hero-metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));margin-top:43px;border-top:1px solid rgba(255,255,255,.13);border-bottom:1px solid rgba(255,255,255,.13)}
.hero-metrics div{padding:19px 16px;border-right:1px solid rgba(255,255,255,.10)}
.hero-metrics div:last-child{border-right:0}
.hero-metrics strong{display:block;color:#fff;font-size:20px}
.hero-metrics span{display:block;margin-top:5px;color:#8fa5ba;font-size:8px;line-height:1.4;letter-spacing:.09em;text-transform:uppercase}

.hero-console{padding:30px;border:1px solid rgba(255,255,255,.14);background:linear-gradient(145deg,rgba(255,255,255,.075),rgba(255,255,255,.02));box-shadow:0 35px 90px rgba(0,0,0,.32);backdrop-filter:blur(12px)}
.hero-console>small{color:var(--cyan);font-size:8px;font-weight:900;letter-spacing:.18em;text-transform:uppercase}
.console-screen{margin-top:22px;padding:22px;background:#031329;border:1px solid rgba(134,232,255,.16)}
.console-core{padding:27px 22px;text-align:center;background:radial-gradient(circle at 50% 15%,rgba(134,232,255,.14),transparent 40%),linear-gradient(145deg,#0b457d,#071a38);border:1px solid rgba(134,232,255,.3)}
.console-core small{display:block;color:#9fb4c8;font-size:8px;letter-spacing:.13em;text-transform:uppercase}
.console-core strong{display:block;margin:10px 0 6px;color:#fff;font-family:var(--serif);font-size:45px;line-height:1}
.console-core span{color:var(--cyan);font-size:11px;font-weight:800}
.console-rows{margin-top:13px}
.console-row{display:grid;grid-template-columns:34px 1fr auto;gap:12px;align-items:center;padding:15px 0;border-bottom:1px solid rgba(255,255,255,.08)}
.console-row:last-child{border-bottom:0}
.console-row>span{width:30px;height:30px;display:grid;place-items:center;border-radius:50%;border:1px solid rgba(134,232,255,.25);color:var(--cyan);font-size:9px;font-weight:900}
.console-row div small{display:block;color:#708ba4;font-size:7px;letter-spacing:.1em;text-transform:uppercase}
.console-row div b{display:block;margin-top:3px;color:#d9e8f4;font-size:11px}
.console-row>strong{color:#fff;font-size:11px}
.console-status{display:grid;grid-template-columns:8px 1fr;gap:10px;align-items:center;margin-top:18px;padding-top:18px;border-top:1px solid rgba(255,255,255,.11);color:#aac0d4;font-size:11px}
.console-status i{width:8px;height:8px;border-radius:50%;background:var(--green);box-shadow:0 0 15px rgba(49,215,164,.6)}

/* Applications */
.applications{padding:112px 0;background:
radial-gradient(circle at 80% 0,rgba(72,191,244,.10),transparent 30%),
linear-gradient(180deg,#031126,#061a35);color:#fff}
.section-heading{display:grid;grid-template-columns:1.08fr .92fr;gap:54px;align-items:end;margin-bottom:44px}
.section-heading h2{font-size:clamp(48px,5.2vw,78px);color:#fff}
.section-heading h2 span{color:var(--cyan)}
.section-heading p{margin:0;color:#aebfd0;font-size:17px;line-height:1.76}
.application-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.application-card{position:relative;min-height:460px;padding:27px 25px;border:1px solid rgba(134,232,255,.15);background:linear-gradient(145deg,rgba(255,255,255,.052),rgba(255,255,255,.016));box-shadow:0 20px 50px rgba(0,0,0,.12);display:flex;flex-direction:column;transition:transform .22s ease,border-color .22s ease}
.application-card:hover{transform:translateY(-3px);border-color:rgba(134,232,255,.36)}
.application-card::before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent,var(--cyan),transparent)}
.application-card-head{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-bottom:22px}
.application-card-head>span{width:43px;height:43px;display:grid;place-items:center;border-radius:50%;border:1px solid rgba(134,232,255,.3);background:rgba(134,232,255,.08);color:var(--cyan);font-family:var(--serif);font-size:16px}
.application-card-head small{color:var(--cyan);font-size:8px;font-weight:900;letter-spacing:.14em;text-transform:uppercase;text-align:right}
.application-card h3{margin:0 0 15px;color:#fff;font-size:21px;line-height:1.22}
.application-card p{margin:0;color:#9eb3c6;font-size:13px;line-height:1.72;flex:1}
.application-card a{display:inline-flex;margin-top:23px;color:var(--cyan);font-size:9px;font-weight:900;letter-spacing:.08em;text-transform:uppercase;text-decoration:none}
.common-thread{display:grid;grid-template-columns:95px 1fr;gap:25px;align-items:start;margin-top:28px;padding:34px;border:1px solid rgba(134,232,255,.22);background:linear-gradient(145deg,#071a38,#0a3a6d)}
.common-thread-mark{width:82px;height:82px;display:grid;place-items:center;border-radius:50%;border:1px solid rgba(134,232,255,.44);background:rgba(134,232,255,.09);color:var(--cyan);font-family:var(--serif);font-size:31px}
.common-thread h3{margin:0 0 10px;color:#fff;font-family:var(--serif);font-size:36px;line-height:1.03}
.common-thread p{margin:0;color:#b8ccdc;font-size:15px;line-height:1.75}

/* Finance and debt outcomes */
.case-section{position:relative;padding:112px 0;overflow:hidden}
.case-finance{background:linear-gradient(180deg,#f2f7fa,#fff);color:#071a34}
.case-debt{background:
radial-gradient(circle at 90% 0,rgba(72,191,244,.13),transparent 27%),
linear-gradient(145deg,#020917,#061a35);color:#fff}
.case-watermark{position:absolute;right:-20px;top:5px;color:rgba(7,26,52,.035);font-family:var(--serif);font-size:260px;line-height:1}
.case-debt .case-watermark{color:rgba(134,232,255,.035)}
.case-heading{display:grid;grid-template-columns:1.06fr .94fr;gap:52px;align-items:end;margin-bottom:44px}
.case-heading h2{font-size:clamp(48px,5.1vw,75px);color:#071a34}
.case-debt .case-heading h2{color:#fff}
.case-heading p{margin:0;color:#5e7388;font-size:17px;line-height:1.76}
.case-debt .case-heading p{color:#afc1d2}
.case-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.case-card{position:relative;min-height:410px;padding:31px 29px;border:1px solid #cadce7;background:linear-gradient(145deg,#fff,#f4f9fc);box-shadow:0 18px 46px rgba(8,45,80,.07)}
.case-debt .case-card{border-color:rgba(134,232,255,.15);background:linear-gradient(145deg,rgba(255,255,255,.055),rgba(255,255,255,.017));box-shadow:0 18px 46px rgba(0,0,0,.12)}
.case-number{position:absolute;right:25px;top:18px;color:#e1edf2;font-family:var(--serif);font-size:54px;line-height:1}
.case-debt .case-number{color:rgba(134,232,255,.10)}
.case-region{display:inline-block;margin-bottom:20px;padding:7px 11px;border:1px solid #bcdbe8;background:#e9f7fc;color:#1685b8;font-size:8px;font-weight:900;letter-spacing:.12em;text-transform:uppercase}
.case-debt .case-region{border-color:rgba(134,232,255,.24);background:rgba(134,232,255,.07);color:var(--cyan)}
.case-card h3{max-width:78%;margin:0 0 9px;color:#071a34;font-size:24px;line-height:1.17}
.case-debt .case-card h3{color:#fff}
.case-subtitle{margin-bottom:16px;color:#1685b8;font-size:12px;font-weight:800;line-height:1.52}
.case-card>p{margin:0;color:#60758a;font-size:13px;line-height:1.76}
.case-debt .case-card>p{color:#aebfd0}
.case-impact{position:absolute;left:29px;right:29px;bottom:26px;padding:11px 13px;border-left:3px solid var(--cyan);background:#e9f8fd;color:#11769f;font-size:11px;font-weight:900}
.case-debt .case-impact{background:rgba(134,232,255,.07);color:var(--cyan)}

/* Reusable sector chapters */
.sector-section{position:relative;padding:112px 0;overflow:hidden}
.sector-dark{background:
radial-gradient(circle at 88% 4%,rgba(72,191,244,.13),transparent 27%),
linear-gradient(145deg,#020917,#061a35);color:#fff}
.sector-light{background:linear-gradient(180deg,#eef5f8,#fff);color:#071a34}
.sector-watermark{position:absolute;right:-18px;top:8px;font-family:var(--serif);font-size:250px;line-height:1;color:rgba(134,232,255,.035)}
.sector-light .sector-watermark{color:rgba(7,26,52,.035)}
.sector-heading{display:grid;grid-template-columns:1.08fr .92fr;gap:54px;align-items:end;margin-bottom:43px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.12)}
.sector-light .sector-heading{border-color:#cadce7}
.sector-heading h2{margin-top:12px;font-size:clamp(45px,4.8vw,70px);color:#fff}
.sector-light .sector-heading h2{color:#071a34}
.sector-heading p{margin:0;color:#afc1d2;font-size:17px;line-height:1.76}
.sector-light .sector-heading p{color:#5e7388}
.sector-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:13px}
.sector-card{position:relative;min-height:300px;padding:26px 24px;border:1px solid rgba(134,232,255,.14);background:linear-gradient(145deg,rgba(255,255,255,.055),rgba(255,255,255,.018));box-shadow:0 17px 42px rgba(0,0,0,.10);transition:transform .22s ease,border-color .22s ease}
.sector-card:hover{transform:translateY(-3px);border-color:rgba(134,232,255,.34)}
.sector-light .sector-card{border-color:#cadce7;background:linear-gradient(145deg,#fff,#f4f9fc);box-shadow:0 17px 42px rgba(8,45,80,.06)}
.sector-light .sector-card:hover{border-color:#75cde9}
.sector-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:2px;background:linear-gradient(180deg,var(--cyan),var(--blue))}
.sector-card-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px}
.sector-icon{width:52px;height:52px;display:grid;place-items:center;border-radius:14px;border:1px solid rgba(134,232,255,.25);background:rgba(134,232,255,.10);font-size:23px;line-height:1}
.sector-light .sector-icon{border-color:#c5e4ef;background:#e8f8ff}
.sector-card-top small{color:rgba(134,232,255,.38);font-family:var(--serif);font-size:28px}
.sector-light .sector-card-top small{color:#d8e8ef}
.sector-card h3{margin:0 0 11px;color:#fff;font-size:19px;line-height:1.25}
.sector-light .sector-card h3{color:#071a34}
.sector-card p{margin:9px 0 0;color:#adc1d3;font-size:13px;line-height:1.7}
.sector-light .sector-card p{color:#60758a}
.sector-card .card-stat{color:var(--cyan);font-size:13px;font-weight:900}
.sector-light .sector-card .card-stat{color:#1685b8}
.sector-conclusion{display:grid;grid-template-columns:72px 1fr;gap:22px;align-items:start;margin-top:25px;padding:34px;border:1px solid rgba(134,232,255,.22);background:
radial-gradient(circle at 96% 0,rgba(73,187,241,.17),transparent 37%),
linear-gradient(145deg,#071a38,#0a3a6d);box-shadow:0 24px 62px rgba(0,0,0,.18)}
.conclusion-mark{width:62px;height:62px;display:grid;place-items:center;border-radius:50%;border:1px solid rgba(134,232,255,.4);background:rgba(134,232,255,.10);color:var(--cyan);font-family:var(--serif);font-size:25px}
.sector-conclusion h3{margin:0 0 10px;color:#fff;font-family:var(--serif);font-size:35px;line-height:1.03;letter-spacing:-.03em}
.sector-conclusion p{margin:8px 0;color:#b9ccdc;font-size:15px;line-height:1.72}
.sector-conclusion .button{margin-top:19px}

/* Footer */
.site-footer{padding:0 0 28px;background:#020711;color:#fff}
.footer-inner{width:var(--shell);margin:auto}
.footer-banner{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center;padding:41px;border:1px solid rgba(134,232,255,.17);background:linear-gradient(145deg,#081c3a,#0a3564)}
.footer-banner small{color:var(--cyan);font-size:8px;letter-spacing:.18em;text-transform:uppercase;font-weight:900}
.footer-banner h3{margin:10px 0;color:#fff;font-family:var(--serif);font-size:39px;line-height:1}
.footer-banner h3 span{color:var(--cyan)}
.footer-banner p{max-width:780px;margin:0;color:#b5c8da}
.footer-actions{display:flex;gap:10px;flex-wrap:wrap}
.footer-grid{display:grid;grid-template-columns:1.1fr 2fr;gap:65px;padding:54px 0 39px}
.footer-brand img{width:190px}
.footer-brand p{max-width:440px;color:#8197ad;font-size:13px}
.footer-links{display:grid;grid-template-columns:repeat(4,1fr);gap:27px}
.footer-links h4{margin:0 0 13px;color:#fff;font-size:9px;letter-spacing:.13em;text-transform:uppercase}
.footer-links a{display:block;margin:9px 0;text-decoration:none;color:#8197ad;font-size:12px}
.footer-links a:hover{color:var(--cyan)}
.footer-bottom{display:flex;justify-content:space-between;gap:20px;padding-top:23px;border-top:1px solid rgba(255,255,255,.10);color:#60768d;font-size:10px}

@media(max-width:1220px){
  .primary-nav{display:none}
  .menu-toggle{display:block}
  .hero-grid,.section-heading,.case-heading,.sector-heading{grid-template-columns:1fr}
  .hero-console{max-width:590px}
  .application-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .footer-grid{grid-template-columns:1fr}
}
@media(max-width:940px){
  :root{--shell:calc(100vw - 32px)}
  .header-contact{display:none}
  .chapter-nav{justify-content:flex-start}
  .case-grid{grid-template-columns:1fr}
  .common-thread{grid-template-columns:1fr}
  .footer-banner{grid-template-columns:1fr}
  .footer-links{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:650px){
  .site-header{height:72px;padding:0 14px}
  .brand img{width:143px}
  .header-apply{padding:0 13px;font-size:8px}
  .chapter-nav{top:72px}
  .hero{min-height:auto;padding:154px 0 80px}
  .hero h1{font-size:50px}
  .hero-metrics{grid-template-columns:1fr}
  .hero-metrics div{border-right:0;border-bottom:1px solid rgba(255,255,255,.1)}
  .hero-console{padding:22px}
  .application-grid{grid-template-columns:1fr}
  .application-card{min-height:0}
  .case-watermark,.sector-watermark{font-size:170px}
  .case-card{min-height:0;padding-bottom:95px}
  .sector-grid{grid-template-columns:1fr}
  .sector-card{min-height:0}
  .sector-conclusion{grid-template-columns:1fr;padding:26px 22px}
  .sector-conclusion h3{font-size:29px}
  .footer-links{grid-template-columns:1fr 1fr}
  .footer-bottom{flex-direction:column}
}

/* V27 — Sleek global navigation plus Platform & Technology link */
.ctu-header,
.ctu-footer{
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","Helvetica Neue",Arial,sans-serif;
  font-synthesis:none;
  text-rendering:optimizeLegibility;
  -webkit-font-smoothing:antialiased;
}
.ctu-nav{
  gap:clamp(7px,.65vw,13px)!important;
}
.ctu-nav a,
.ctu-contact{
  font-family:inherit!important;
  font-size:9.25px!important;
  font-weight:500!important;
  letter-spacing:.052em!important;
  line-height:1.2;
  white-space:nowrap;
}
.ctu-nav a.active{
  font-weight:650!important;
}
.ctu-apply{
  font-family:inherit!important;
  font-weight:650!important;
  letter-spacing:.06em!important;
}
.ctu-footer-column h3{
  font-family:inherit!important;
  font-size:10px!important;
  font-weight:600!important;
  letter-spacing:.105em!important;
}
.ctu-footer-column a{
  font-family:inherit!important;
  font-size:12px!important;
  font-weight:400!important;
  letter-spacing:.005em!important;
  line-height:1.55!important;
}
.ctu-footer-bottom,
.ctu-footer-bottom a{
  font-family:inherit!important;
  font-weight:400!important;
  letter-spacing:.015em!important;
}
@media(max-width:1400px){
  .ctu-nav{gap:6px!important}
  .ctu-nav a,.ctu-contact{font-size:8.65px!important}
}