*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: Karla, Helvetica, sans-serif;
  color: var(--text);
  background: #fff;
  line-height: 1.55;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: var(--primary); text-decoration: none; }
a:hover { color: #000; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; }

.wrap { width: min(1180px, calc(100% - 32px)); margin: 0 auto; }
h1, h2, h3, h4 {
  font-family: Oswald, Impact, sans-serif;
  font-weight: 500;
  letter-spacing: -0.02em;
  text-transform: uppercase;
  color: #000;
  line-height: 1.05;
}

.eyebrow {
  display: block;
  font-family: Oswald, sans-serif;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: 10px;
}

.section { padding: 72px 0; border-top: 1px solid #000; }
.section-alt { background: #F5F5F5; }
.section-navy { background: #000; color: #fff; border-top: 0; }
.section-navy h2, .section-navy h3, .section-navy p, .section-navy li { color: #fff; }
.section-red { background: var(--primary); color: #fff; border-top: 0; }
.section-red h2, .section-red p, .section-red .eyebrow { color: #fff; }
.lead { font-size: 18px; color: var(--muted); max-width: 640px; }
.section-navy .lead, .section-red .lead { color: rgba(255,255,255,.78); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 22px;
  border-radius: 0;
  font-family: Oswald, sans-serif;
  font-weight: 500;
  font-size: 14px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border: 0;
}
.btn-primary { background: var(--primary); color: #fff; }
.btn-primary:hover { background: #000; color: #fff; }
.btn-ghost { background: transparent; color: #000; border: 1px solid #000; }
.btn-ghost:hover { background: #000; color: #fff; }
.btn-light { background: #fff; color: #000; }
.btn-light:hover { background: #000; color: #fff; }
.btn-outline-white { background: transparent; color: #fff; border: 1px solid #fff; }
.btn-outline-white:hover { background: #fff; color: #000; }
.btn-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 28px; }

.nav {
  position: sticky;
  top: 0;
  z-index: 50;
  background: #000;
  border-bottom: 3px solid var(--primary);
}
.nav-inner {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #fff;
  font-family: Oswald, sans-serif;
  font-weight: 500;
  font-size: 18px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.brand img { height: 56px; width: auto; max-width: 280px; object-fit: contain; }
.brand.has-logo span { display: none; }
.brand.has-logo img { height: 56px; max-width: 280px; }
.nav-links { display: flex; align-items: center; gap: 0; }
.nav-links a {
  color: #fff;
  font-family: Oswald, sans-serif;
  font-size: 14px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 8px 12px;
}
.nav-links a:hover,
.nav-links a.featured { color: var(--primary); }
.nav-cta { display: flex; gap: 0; }
.nav-cta .btn-ghost { color: #fff; border-color: #fff; }
.nav-cta .btn-ghost:hover { background: #fff; color: #000; }
.hamburger {
  display: none;
  width: 42px; height: 42px;
  border: 1px solid #fff;
  background: transparent;
  color: #fff;
  font-size: 18px;
}
.mobile-menu { display: none; padding: 8px 0 16px; }
.mobile-menu.open { display: grid; gap: 0; }
.mobile-menu a {
  padding: 12px 0;
  color: #fff;
  font-family: Oswald, sans-serif;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  border-bottom: 1px solid #333;
}

.market-ticker {
  position: sticky;
  top: var(--nav-h);
  z-index: 49;
  height: var(--ticker-height);
  background: var(--primary);
  display: flex;
  align-items: center;
  overflow: hidden;
  font-size: 11px;
  color: #fff;
  font-family: Oswald, sans-serif;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.market-ticker__marquee-area { position: relative; flex: 1; min-width: 0; overflow: hidden; }
.market-ticker__track {
  display: flex;
  width: max-content;
  height: 100%;
  animation: ticker-scroll var(--ticker-duration, 80s) linear infinite;
}
@keyframes ticker-scroll {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.market-ticker__item {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 0 16px;
  border-right: 1px solid rgba(255,255,255,.35);
  white-space: nowrap;
  flex-shrink: 0;
}
.market-ticker__label { font-weight: 500; }
.market-ticker__value { opacity: .85; }
.market-ticker__change { font-weight: 500; }
.market-ticker__change--up { color: #fff; }
.market-ticker__change--down { color: #3F0D16; }
.market-ticker__change--flat { color: rgba(255,255,255,.7); }
.market-ticker__loading { padding: 0 16px; opacity: .7; }

.hero {
  background: #000;
  color: #fff;
  padding: 80px 0 0;
  border-top: 0;
}
.hero h1 {
  color: #fff;
  font-size: clamp(24px, 4vw, 44px);
  max-width: 16ch;
  margin-bottom: 20px;
}
.hero p { font-size: 18px; color: rgba(255,255,255,.7); max-width: 520px; }
.hero .eyebrow { color: var(--primary); }
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  margin-top: 64px;
  border-top: 1px solid #333;
}
.stat { padding: 22px 20px 28px 0; border-right: 1px solid #333; }
.stat:last-child { border-right: 0; }
.stat strong {
  display: block;
  font-family: Oswald, sans-serif;
  font-size: clamp(28px, 4vw, 42px);
  color: #fff;
  text-transform: uppercase;
}
.stat span { font-size: 12px; color: var(--primary); letter-spacing: 0.1em; text-transform: uppercase; font-family: Oswald, sans-serif; }

.manifesto {
  display: grid;
  gap: 0;
  border-top: 1px solid #000;
}
.manifesto article {
  display: grid;
  grid-template-columns: 72px 1fr;
  gap: 20px;
  padding: 22px 0;
  border-bottom: 1px solid #000;
  align-items: start;
}
.manifesto .idx {
  font-family: Oswald, sans-serif;
  font-size: 28px;
  color: var(--primary);
}
.manifesto h3 { font-size: 20px; margin-bottom: 6px; }
.manifesto p, .manifesto span { color: var(--muted); font-size: 15px; text-transform: none; font-family: Karla, sans-serif; letter-spacing: 0; font-weight: 400; }

.mag {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 48px;
  align-items: start;
}
.mag-sticky { position: sticky; top: 110px; }
.prose p { margin-bottom: 14px; color: var(--muted); }
.prose li { position: relative; padding-left: 18px; margin: 8px 0; color: var(--muted); }
.prose li::before {
  content: "—";
  position: absolute;
  left: 0;
  color: var(--primary);
}

.rule-list { border-top: 1px solid #000; }
.rule-line {
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 24px;
  padding: 20px 0;
  border-bottom: 1px solid #000;
}
.rule-line h3 { font-size: 18px; }
.rule-line p { color: var(--muted); font-size: 15px; text-transform: none; font-family: Karla, sans-serif; letter-spacing: 0; font-weight: 400; }

.how-col { max-width: 720px; }
.how-item {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 20px;
  padding: 28px 0;
  border-bottom: 1px solid #000;
}
.how-item .num {
  font-family: Oswald, sans-serif;
  font-size: 48px;
  color: var(--primary);
  line-height: 1;
}
.how-item h3 { font-size: 22px; margin-bottom: 8px; }
.how-item p { color: var(--muted); text-transform: none; font-family: Karla, sans-serif; letter-spacing: 0; font-weight: 400; }

.band { padding: 64px 0; }
.band h2 { font-size: clamp(32px, 6vw, 56px); margin-bottom: 14px; }
.band-dark { background: #000; color: #fff; }
.band-dark h2, .band-dark p, .band-dark li { color: #fff; }
.band-dark .lead { color: rgba(255,255,255,.7); }
.band-dark .btn-ghost { color: #fff; border-color: #fff; }
.band-dark .prose li::before { color: var(--primary); }

.sim { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.sim-box {
  background: #000;
  color: #fff;
  padding: 28px;
}
.sim-box label { font-family: Oswald, sans-serif; letter-spacing: 0.12em; text-transform: uppercase; font-size: 12px; color: var(--primary); }
.sim-input {
  display: flex;
  align-items: center;
  gap: 8px;
  margin: 10px 0 22px;
  border-bottom: 2px solid #fff;
  padding: 12px 0;
}
.sim-input span { font-weight: 800; color: var(--primary); }
.sim-input input {
  border: 0;
  background: transparent;
  width: 100%;
  font-family: Oswald, sans-serif;
  font-size: 36px;
  color: #fff;
  outline: none;
}
.sim-row {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 14px 0;
  border-top: 1px solid #333;
}
.sim-row strong { display: block; color: #fff; }
.sim-row small { color: #a3a3a3; }
.sim-row .rate { color: var(--primary); font-weight: 800; }

.pull {
  font-family: Oswald, sans-serif;
  font-size: clamp(28px, 5vw, 52px);
  text-transform: uppercase;
  line-height: 1.05;
  color: #000;
  max-width: 18ch;
}
.num-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  margin-top: 40px;
  border-top: 1px solid #000;
}
.num-card {
  padding: 24px 20px 0 0;
  border-right: 1px solid #000;
}
.num-card:last-child { border-right: 0; }
.num-card strong {
  display: block;
  font-family: Oswald, sans-serif;
  font-size: clamp(28px, 4vw, 40px);
  color: var(--primary);
  text-transform: uppercase;
  margin-bottom: 8px;
}
.num-card p { color: var(--muted); font-size: 14px; }

.story-block { padding: 28px 0; border-top: 1px solid #000; }
.story-block h3 { font-size: 26px; margin-bottom: 8px; }
.story-block p { color: var(--muted); max-width: 720px; text-transform: none; font-family: Karla, sans-serif; letter-spacing: 0; font-weight: 400; }

.compound-stack { display: grid; gap: 0; margin-top: 28px; max-width: 760px; }
.compound-stack article { padding: 22px 0; border-top: 1px solid #333; }
.extra-pair { display: grid; gap: 0; margin-top: 28px; border-top: 1px solid #000; }
.extra-pair article { padding: 22px 0; border-bottom: 1px solid #000; }

.contact-stack { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.contact-card { border: 1px solid #000; padding: 22px; }
.info-row { display: flex; gap: 12px; margin: 12px 0; color: var(--muted); }
.info-row i { color: var(--primary); width: 18px; text-align: center; }

.ombuds-list { display: grid; gap: 0; margin-top: 28px; border-top: 1px solid #000; }
.ombuds-list article { padding: 18px 0; border-bottom: 1px solid #000; }
.ombuds-list h3 { font-size: 18px; margin-bottom: 6px; }
.ombuds-list p { color: var(--muted); font-size: 14px; text-transform: none; font-family: Karla, sans-serif; letter-spacing: 0; font-weight: 400; }

footer {
  background: #000;
  color: #a3a3a3;
  padding: 48px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1.2fr 1.1fr;
  gap: 28px;
  padding-bottom: 32px;
}
footer h4 {
  color: #fff;
  font-family: Oswald, sans-serif;
  font-size: 12px;
  letter-spacing: .14em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
footer a { color: #a3a3a3; font-size: 14px; }
footer a:hover { color: var(--primary); }
footer li { margin: 8px 0; }
footer .brand { color: #fff; }
.footer-bottom {
  border-top: 1px solid #333;
  padding: 16px 0 calc(16px + var(--safe-bottom));
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  font-size: 12px;
  font-family: Oswald, sans-serif;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.social { display: flex; gap: 8px; }
.social a {
  width: 40px; height: 40px;
  border: 1px solid #333;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
}

@media (max-width: 991px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: inline-flex; align-items: center; justify-content: center; }
  .hero-stats, .mag, .rule-line, .sim, .num-row, .contact-stack, .footer-grid { grid-template-columns: 1fr; }
  .stat, .num-card { border-right: 0; border-bottom: 1px solid #333; }
  .num-card { border-bottom-color: #000; }
  .section { padding: 48px 0; }
}
@media (max-width: 640px) {
  .hero { padding: 48px 0 0; }
  .hero h1 { font-size: clamp(22px, 6.5vw, 34px); }
}