:root{--navy:#000b3d;--navy-2:#0a1a5c;--lime:#ccff00;--lime-dark:#9fc900;--white:#fff;--paper:#f6f7fb;--ink:#0e1230;--muted:#5a6080;--line:#d9dcea}
  *{box-sizing:border-box}html{scroll-behavior:smooth}
  body{margin:0;background:var(--paper);color:var(--ink);font-family:"Segoe UI",Inter,system-ui,-apple-system,sans-serif;font-size:16px;line-height:1.6}
  h1,h2,h3{font-family:Georgia,"Times New Roman",serif;font-weight:600;line-height:1.2;margin:0}
  a{color:var(--navy-2)}
  .wrap{display:grid;grid-template-columns:240px 1fr;min-height:100vh}
  nav{background:var(--navy);color:var(--white);position:sticky;top:0;height:100vh;padding:32px 24px;overflow:auto}
  nav .brand{font-family:Georgia,serif;font-size:14px;letter-spacing:.18em;text-transform:uppercase;color:var(--lime);margin-bottom:28px}
  nav a{display:block;color:#c7cbe0;text-decoration:none;padding:7px 0;font-size:14px;border-left:2px solid transparent;padding-left:12px;margin-left:-14px}
  nav a:hover,nav a:focus{color:var(--white);border-left-color:var(--lime);outline:none}
  nav .tag{margin-top:40px;font-size:11px;color:#7f86ad;line-height:1.5}
  main{padding:0 0 80px}
  header.hero{background:var(--navy);color:var(--white);padding:64px 64px 56px;border-bottom:6px solid var(--lime)}
  .eyebrow{font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--lime);margin-bottom:18px}
  header h1{font-size:44px;max-width:860px}
  header p.lead{max-width:780px;font-size:18px;color:#d5d9ee;margin:22px 0 0}
  header .meta{margin-top:36px;display:flex;gap:40px;font-size:13px;color:#9aa1c6;flex-wrap:wrap}
  header .meta b{display:block;color:var(--white);font-weight:600}
  section{padding:56px 64px;border-bottom:1px solid var(--line);max-width:1180px}
  section h2{font-size:28px;color:var(--navy);margin-bottom:6px}
  section .sub{color:var(--muted);margin:0 0 28px;max-width:760px}
  .thesis{background:var(--white);border-left:6px solid var(--lime);padding:20px 24px;font-family:Georgia,serif;font-size:19px;color:var(--navy);margin:0 0 8px}
  .note{font-size:14px;color:var(--muted);margin-top:14px}
  .flag{background:#fff7d6;border:1px solid #e8cf6a;border-radius:6px;padding:14px 18px;font-size:14.5px;margin:18px 0}
  .flag b{color:#7a5a00}
  .parties{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px}
  .party{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:20px}
  .party .role{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
  .party h3{font-size:19px;color:var(--navy);margin:6px 0 10px}
  .party p{margin:0 0 8px;font-size:14.5px}
  .party .gets{margin-top:12px;padding-top:10px;border-top:1px dashed var(--line);font-size:13.5px}
  .party .gets span{display:inline-block;background:var(--lime);color:var(--navy);font-weight:600;font-size:11px;letter-spacing:.08em;text-transform:uppercase;padding:2px 8px;border-radius:3px;margin-right:6px}
  .party.target{border-top:4px solid var(--navy)}.party.money{border-top:4px solid var(--lime)}.party.ours{border-top:4px solid var(--navy-2);background:#eef0fb}
  .diagram{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:24px}
  svg text{font-family:"Segoe UI",Inter,system-ui,sans-serif}
  table{width:100%;border-collapse:collapse;background:var(--white);font-size:14.5px}
  th{background:var(--navy);color:var(--white);text-align:left;padding:12px 14px;font-weight:600;font-size:13px;letter-spacing:.04em}
  td{padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
  tr:last-child td{border-bottom:none}
  td.num,th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
  tr.total td{background:#eef0fb;font-weight:600;color:var(--navy)}
  .two{display:grid;grid-template-columns:1fr 1fr;gap:24px}
  .buyers{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px;margin-top:18px}
  .buyer{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:16px}
  .buyer h3{font-size:15px;color:var(--navy);margin-bottom:6px}
  .buyer p{font-size:13.5px;margin:0;color:var(--muted)}
  .buyer .why{margin-top:8px;font-size:13px;color:var(--ink)}
  .buyer .why::before{content:"Why they pay — ";font-weight:600;color:var(--lime-dark)}
  .plan{display:grid;grid-template-columns:1fr 1fr;gap:24px}
  .planbox{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:24px;border-top:6px solid var(--navy)}
  .planbox.b{border-top-color:var(--lime)}
  .planbox h3{font-size:22px;color:var(--navy)}
  .planbox .kicker{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
  .planbox ol{padding-left:20px;margin:14px 0;font-size:14.5px}
  .planbox li{margin-bottom:8px}
  .planbox .out{background:#eef0fb;padding:10px 14px;border-radius:4px;font-size:14px;margin-top:12px}
  .planbox .out b{color:var(--navy)}
  .risk{display:grid;grid-template-columns:180px 1fr;gap:16px;padding:16px 0;border-bottom:1px solid var(--line)}
  .risk:last-child{border-bottom:none}.risk .k{font-weight:600;color:var(--navy)}
  .risk .fix{margin-top:6px;font-size:14px}.risk .fix::before{content:"Mitigation — ";font-weight:600;color:var(--lime-dark)}
  .q{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:14px 18px;margin-bottom:10px}
  .q label{display:flex;gap:12px;cursor:pointer;width:100%}
  .q input{margin-top:5px;accent-color:var(--navy);flex-shrink:0}
  .q .who{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);display:block;margin-top:4px}
  .disc{font-size:13px;color:var(--muted);margin-top:24px;padding-top:16px;border-top:1px solid var(--line)}
  /* simulator */
  .sim{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:24px}
  .controls{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px 28px;margin-bottom:18px}
  .ctl label{display:block;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
  .ctl output{font-family:Georgia,serif;font-size:20px;color:var(--navy);display:block;margin-bottom:4px}
  .ctl input[type=range]{width:100%;accent-color:var(--navy)}
  .kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px;margin:18px 0}
  .kpi{background:#eef0fb;border-radius:6px;padding:14px}
  .kpi .l{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
  .kpi .v{font-family:Georgia,serif;font-size:26px;color:var(--navy);margin-top:2px}
  .kpi.hi{background:var(--navy)}.kpi.hi .l{color:#aab0d0}.kpi.hi .v{color:var(--lime)}
  .presets{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:14px}
  .presets button{background:#fff;border:1px solid var(--navy);color:var(--navy);padding:6px 12px;border-radius:4px;font-size:13px;cursor:pointer}
  .presets button:hover{background:var(--lime);border-color:var(--lime)}
  .src{font-size:13.5px}
  .src li{margin-bottom:8px}
  .src .rel{display:inline-block;font-size:10px;letter-spacing:.08em;text-transform:uppercase;padding:1px 6px;border-radius:3px;margin-left:6px;background:#eef0fb;color:var(--muted)}
  .src .rel.a{background:var(--lime);color:var(--navy)}
  @media print{nav{display:none}.wrap{grid-template-columns:1fr}section{page-break-inside:avoid}}
  @media (max-width:900px){.wrap{grid-template-columns:1fr}nav{position:static;height:auto}header.hero,section{padding:32px 22px}.two,.plan{grid-template-columns:1fr}.risk{grid-template-columns:1fr}header h1{font-size:32px}}
.lang{margin-top:22px;display:flex;gap:8px}
.lang a{display:inline-block;border:1px solid #3a4a8c;border-radius:4px;padding:4px 10px!important;margin:0!important;font-size:12px!important;color:#c7cbe0!important}
.lang a.on{background:#ccff00;color:#000b3d!important;border-color:#ccff00}