.fx{--navy:#002269; --slate-blue:#00339c; --royal:#0075f2; --gold:#ffc807;
  --ghost:#eef3ff; --mist:#f6f9ff; --line:#d8e2f4; --line2:#e6edf9;
  --slate:#4a5a72; --dim:#5b6b8c; --ink:#0a1b3d; --ok:#1e8e5a; --warn:#c2410c;}
.fx, .fx *{box-sizing:border-box}
html{scroll-behavior:smooth}
.fx{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff;-webkit-font-smoothing:antialiased}
.fx a{text-decoration:none;color:inherit}
.fx img{max-width:100%}
.fx .wrap{max-width:1240px;margin:0 auto;padding:0 28px}
.fx .link{color:var(--royal);font-weight:700}
.fx .link:hover{text-decoration:underline}
.fx .mast{background:var(--navy);color:#fff;padding:92px 0 0}
.fx .mast-kick{display:inline-flex;align-items:center;gap:9px;color:var(--gold);font-size:11.5px;font-weight:800;letter-spacing:.15em;text-transform:uppercase}
.fx .mast-kick:before{content:"";width:26px;height:2px;background:var(--gold)}
.fx .mast-grid{display:grid;grid-template-columns:1.32fr .68fr;gap:60px;align-items:start}
.fx .mast h1{margin:20px 0 0;font-size:clamp(36px,4.4vw,56px);font-weight:900;letter-spacing:-.035em;line-height:1.04;max-width:19ch}
.fx .mast h1 em{font-style:normal;color:var(--gold)}
.fx .mast-lede{margin:24px 0 0;max-width:74ch;color:#c5d8fa;font-size:18.5px}
.fx .idcard{margin-top:52px;border:1px solid rgba(255,255,255,.22);border-radius:16px;padding:24px 26px;background:rgba(255,255,255,.05)}
.fx .idcard-h{color:var(--gold);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:16px}
.fx .idrow{display:grid;gap:2px;padding:11px 0;border-top:1px solid rgba(255,255,255,.14)}
.fx .idrow:first-of-type{border-top:0;padding-top:0}
.fx .idrow span{color:#8fb6f2;font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.fx .idrow b{color:#fff;font-size:15px;font-weight:700;line-height:1.4}
.fx .idrow a{color:#fff;border-bottom:1px solid rgba(255,255,255,.35)}
.fx .idcard-f{margin-top:16px;padding-top:14px;border-top:1px solid rgba(255,255,255,.14);color:#9cc4fd;font-size:12.5px;line-height:1.5}
.fx .mast-meta{margin-top:30px;display:flex;flex-wrap:wrap;gap:10px 26px;align-items:center;color:#8fb6f2;font-size:13.5px;font-weight:600}
.fx .mast-meta b{color:#fff;font-weight:700}
.fx .mast-band{margin-top:52px;border-top:1px solid rgba(255,255,255,.16);display:grid;grid-template-columns:repeat(5,1fr);gap:20px;padding:28px 0 36px}
.fx .mb-n{font-size:26px;font-weight:900;letter-spacing:-.02em}
.fx .mb-l{margin-top:3px;color:#8fb6f2;font-size:11.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}
.fx .page{display:grid;grid-template-columns:262px 1fr;gap:60px;align-items:start;padding:0 0 40px}
.fx .toc{position:sticky;top:26px;padding:38px 0 30px;max-height:calc(100vh - 52px);overflow-y:auto;scrollbar-width:thin}
.fx .toc-h{color:var(--dim);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:14px}
.fx .toc ol{list-style:none;margin:0;padding:0;counter-reset:toc}
.fx .toc li{counter-increment:toc}
.fx .toc a{display:grid;grid-template-columns:26px 1fr;gap:8px;padding:6px 0;color:var(--dim);font-size:13.5px;font-weight:600;line-height:1.4;border-left:2px solid transparent;padding-left:12px;margin-left:-14px}
.fx .toc a:before{content:counter(toc,decimal-leading-zero);color:#a7b8d6;font-variant-numeric:tabular-nums;font-weight:700}
.fx .toc a:hover{color:var(--navy)}
.fx .toc a.on{color:var(--navy);font-weight:800;border-left-color:var(--royal)}
.fx .toc a.on:before{color:var(--royal)}
.fx .body{padding:46px 0 0;min-width:0}
.fx .sect{padding:0 0 62px;scroll-margin-top:24px}
.fx .sect-n{color:var(--royal);font-size:11.5px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:11px;font-variant-numeric:tabular-nums}
.fx h2{margin:0 0 18px;color:var(--navy);font-size:clamp(25px,2.8vw,34px);font-weight:800;letter-spacing:-.025em;line-height:1.16;text-wrap:balance;max-width:24ch}
.fx h3{margin:0 0 7px;color:var(--navy);font-size:18px;font-weight:800;letter-spacing:-.01em}
.fx .sect p{margin:0 0 16px;color:var(--slate);font-size:16.5px;max-width:74ch}
.fx .sect p:last-child{margin-bottom:0}
.fx .sect p strong,.fx .sect li strong{color:var(--ink);font-weight:700}
.fx .pull{margin:26px 0;padding:22px 26px;border-left:3px solid var(--gold);background:var(--mist);color:var(--navy);font-size:17px;font-weight:600;line-height:1.55}
.fx .pull p{color:var(--navy)!important;font-size:17px;margin:0}
.fx .cred{border:1px solid var(--line);border-radius:16px;overflow:hidden;margin:6px 0 24px}
.fx .cred-row{display:grid;grid-template-columns:250px 1fr;gap:24px;padding:15px 22px;border-top:1px solid var(--line2);align-items:baseline}
.fx .cred-row:first-child{border-top:0}
.fx .cred-row:nth-child(odd){background:var(--mist)}
.fx .cred-k{color:var(--dim);font-size:13.5px;font-weight:700;letter-spacing:.01em}
.fx .cred-v{color:var(--ink);font-size:15.5px;font-weight:600}
.fx .cred-v small{display:block;margin-top:3px;color:var(--dim);font-size:13.5px;font-weight:500}
.fx .team{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:6px 0 22px}
.fx .tcard{border:1px solid var(--line);border-radius:14px;padding:20px 22px;background:#fff}
.fx .tcard b{display:block;color:var(--navy);font-size:16.5px;font-weight:800}
.fx .tcard i{display:block;font-style:normal;margin:2px 0 8px;color:var(--royal);font-size:12.5px;font-weight:700;letter-spacing:.03em}
.fx .tcard span{color:var(--slate);font-size:14.5px}
.fx .tl{margin:6px 0 22px;border-left:2px solid var(--line);padding-left:28px}
.fx .tl-i{position:relative;padding-bottom:26px}
.fx .tl-i:last-child{padding-bottom:0}
.fx .tl-i:before{content:"";position:absolute;left:-35px;top:6px;width:13px;height:13px;border-radius:50%;background:#fff;border:3px solid var(--royal)}
.fx .tl-i:last-child:before{border-color:var(--gold);background:var(--gold)}
.fx .tl-y{color:var(--navy);font-size:19px;font-weight:900;letter-spacing:-.01em;font-variant-numeric:tabular-nums}
.fx .tl-i p{margin:4px 0 0!important}
.fx .vlist{display:grid;gap:2px;margin:6px 0 22px;border:1px solid var(--line);border-radius:16px;overflow:hidden}
.fx .vrow{padding:22px 24px;background:#fff;border-top:1px solid var(--line2)}
.fx .vrow:first-child{border-top:0}
.fx .vrow h3{margin-bottom:6px}
.fx .vrow p{margin:0!important;font-size:15.5px}
.fx .g2{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:6px 0 22px}
.fx .g3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:6px 0 22px}
.fx .card{border:1px solid var(--line);border-radius:14px;padding:22px;background:#fff}
.fx .card p{font-size:15px!important;margin:0!important}
.fx .card--mist{background:var(--mist)}
.fx .nums{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:6px 0 22px}
.fx .num{border:1px solid var(--line);border-radius:14px;padding:22px 24px}
.fx .num--hero{background:var(--navy);border-color:var(--navy)}
.fx .num-k{font-size:11.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--dim)}
.fx .num--hero .num-k{color:var(--gold)}
.fx .num-v{margin-top:8px;color:var(--navy);font-size:30px;font-weight:900;letter-spacing:-.025em}
.fx .num--hero .num-v{color:#fff}
.fx .num-s{margin-top:6px;color:var(--slate);font-size:14.5px}
.fx .num--hero .num-s{color:#b9cdf3}
.fx .cmp{margin:6px 0 22px;border:1px solid var(--line);border-radius:16px;overflow:hidden}
.fx .cmp-head,.fx .cmp-row{display:grid;grid-template-columns:1.05fr 1.25fr 1.7fr;gap:22px;padding:16px 22px}
.fx .cmp-head{background:var(--navy);color:#fff;font-size:11.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase}
.fx .cmp-row{border-top:1px solid var(--line2);align-items:start}
.fx .cmp-row--us{background:var(--ghost)}
.fx .cmp-o{color:var(--navy);font-size:16px;font-weight:800;line-height:1.35}
.fx .cmp-row--us .cmp-o{color:var(--royal)}
.fx .cmp-b,.fx .cmp-t{color:var(--slate);font-size:14.5px;line-height:1.55}
.fx .cmp-lbl{display:none}
.fx .risk{display:flex;gap:15px;padding:20px 0;border-top:1px solid var(--line)}
.fx .risk:first-of-type{border-top:0;padding-top:4px}
.fx .risk-b{flex:none;width:28px;height:28px;border-radius:8px;background:#fff2e8;display:flex;align-items:center;justify-content:center;margin-top:2px}
.fx .risk-b svg{width:16px;height:16px;fill:none;stroke:var(--warn);stroke-width:2.1;stroke-linecap:round;stroke-linejoin:round}
.fx .risk p{margin:0!important;font-size:15.5px}
.fx .qs{counter-reset:q;margin:6px 0 22px;display:grid;gap:12px}
.fx .q{counter-increment:q;display:grid;grid-template-columns:34px 1fr;gap:15px;align-items:start;border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.fx .q:before{content:counter(q);width:34px;height:34px;border-radius:9px;background:var(--ghost);color:var(--royal);font-size:14px;font-weight:900;display:flex;align-items:center;justify-content:center}
.fx .q b{display:block;color:var(--navy);font-size:16px;font-weight:800;margin-bottom:3px}
.fx .q span{color:var(--slate);font-size:14.5px}
.fx .gloss{margin:6px 0 22px;border-top:1px solid var(--line)}
.fx .gloss div{display:grid;grid-template-columns:270px 1fr;gap:24px;padding:14px 0;border-bottom:1px solid var(--line2)}
.fx .gloss dt{color:var(--navy);font-size:15.5px;font-weight:800}
.fx .gloss dd{margin:0;color:var(--slate);font-size:15px}
.fx details.qa{border-top:1px solid var(--line)}
.fx details.qa:last-of-type{border-bottom:1px solid var(--line)}
.fx .qa summary{list-style:none;cursor:pointer;display:flex;gap:18px;align-items:flex-start;padding:18px 0;color:var(--navy);font-size:16.5px;font-weight:700}
.fx .qa summary::-webkit-details-marker{display:none}
.fx .qa-plus{margin-left:auto;flex:none;width:20px;height:20px;position:relative;margin-top:4px}
.fx .qa-plus:before,.fx .qa-plus:after{content:"";position:absolute;background:var(--royal);border-radius:2px}
.fx .qa-plus:before{left:0;top:9px;width:20px;height:2.4px}
.fx .qa-plus:after{left:9px;top:0;width:2.4px;height:20px;transition:opacity .18s}
.fx details[open] .qa-plus:after{opacity:0}
.fx .qa p{margin:0 0 18px!important;font-size:15.5px}
.fx .feat{display:flex;flex-wrap:wrap;gap:10px;margin:6px 0 22px}
.fx .feat span{border:1px solid var(--line);border-radius:999px;padding:9px 17px;color:var(--navy);font-size:14.5px;font-weight:700;background:var(--mist)}
.fx .close{background:var(--slate-blue);color:#fff;border-radius:20px;padding:44px}
.fx .close h2{color:#fff;max-width:22ch}
.fx .close ol{margin:22px 0 0;padding:0;list-style:none;counter-reset:c;display:grid;gap:14px}
.fx .close li{counter-increment:c;display:grid;grid-template-columns:30px 1fr;gap:14px;color:#cddffb;font-size:15.5px;line-height:1.55}
.fx .close li:before{content:counter(c);width:30px;height:30px;border-radius:8px;background:rgba(255,255,255,.14);color:var(--gold);font-size:13px;font-weight:900;display:flex;align-items:center;justify-content:center}
.fx .close li b{color:#fff;font-weight:700}
.fx .close-cta{display:flex;flex-wrap:wrap;gap:13px;margin-top:32px}
.fx .btn-gold{display:inline-block;background:var(--gold);color:var(--ink);font-weight:800;font-size:16px;padding:15px 26px;border-radius:10px}
.fx .btn-out{display:inline-block;color:#fff;font-weight:700;font-size:15.5px;padding:13px 22px;border:2px solid rgba(255,255,255,.5);border-radius:10px}
.fx .colophon{margin-top:34px;padding-top:24px;border-top:1px solid var(--line);color:var(--dim);font-size:13.5px;line-height:1.7}
.fx .colophon b{color:var(--navy)}
.fx .mtoc{display:none;position:sticky;top:0;z-index:40;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(140%) blur(8px)}
.fx .mtoc summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:10px;padding:14px 22px;color:var(--navy);font-size:14.5px;font-weight:800}
.fx .mtoc summary::-webkit-details-marker{display:none}
.fx .mtoc-ar{margin-left:auto;width:9px;height:9px;border-right:2.4px solid var(--royal);border-bottom:2.4px solid var(--royal);transform:rotate(45deg);transition:transform .2s}
.fx .mtoc[open] .mtoc-ar{transform:rotate(-135deg)}
.fx .mtoc ol{margin:0;padding:0 22px 16px;list-style:none;counter-reset:m;max-height:58vh;overflow-y:auto}
.fx .mtoc li{counter-increment:m}
.fx .mtoc ol a{display:grid;grid-template-columns:26px 1fr;gap:8px;padding:8px 0;color:var(--slate);font-size:14.5px;font-weight:600;border-top:1px solid var(--line2)}
.fx .mtoc ol a:before{content:counter(m,decimal-leading-zero);color:#a7b8d6;font-weight:700;font-variant-numeric:tabular-nums}
@media (max-width:1100px){.fx .page{grid-template-columns:220px 1fr;gap:40px}
.fx .cred-row{grid-template-columns:200px 1fr;gap:18px}
.fx .gloss div{grid-template-columns:220px 1fr}}
@media (max-width:991px){.fx .mast-grid{grid-template-columns:1fr;gap:6px}
.fx .idcard{margin-top:34px}
.fx .page{display:block}
.fx .toc{display:none}
.fx .mtoc{display:block}
.fx .body{padding-top:32px}
.fx .mast{padding-top:64px}
.fx .mast-band{grid-template-columns:repeat(3,1fr)}
.fx .team,.fx .g3,.fx .nums{grid-template-columns:repeat(2,1fr)}
.fx .sect{scroll-margin-top:64px}}
@media (max-width:767px){.fx .wrap{padding:0 20px}
.fx .mast-band{grid-template-columns:repeat(2,1fr);gap:18px}
.fx .team,.fx .g2,.fx .g3,.fx .nums{grid-template-columns:1fr}
.fx .cred-row{grid-template-columns:1fr;gap:4px;padding:14px 18px}
.fx .gloss div{grid-template-columns:1fr;gap:3px}
.fx .cmp-head{display:none}
.fx .cmp-row{grid-template-columns:1fr;gap:10px;padding:20px 18px}
.fx .cmp-lbl{display:block;color:var(--dim);font-size:10.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;margin-bottom:3px}
.fx .close{padding:30px 24px}
.fx .sect{padding-bottom:50px}}
@media (max-width:479px){.fx .mast-band{grid-template-columns:1fr}
.fx .btn-gold,.fx .btn-out{width:100%;text-align:center}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}
.fx, .fx *{transition:none!important}}
.fx-col-toc>.w-embed,.fx-col-toc>.w-embed>.fx,.fx-full{height:100%}
.fx .sect{scroll-margin-top:104px}
@media (max-width:991px){.fx .sect{scroll-margin-top:150px}}