:root{
  --navy:#071f3d;
  --navy-2:#0b2d54;
  --navy-3:#102f50;
  --gold:#b99756;
  --gold-2:#d2b46f;
  --ink:#142033;
  --muted:#657186;
  --line:#e7e2d8;
  --paper:#fbfaf7;
  --soft:#f3efe7;
  --white:#ffffff;
  --shadow:0 28px 70px rgba(7,31,61,.14);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(1180px,92vw);margin:0 auto}
.skip-link{position:absolute;left:-9999px;top:auto;z-index:100;padding:12px 18px;background:var(--gold);color:#06172d;font-weight:800}.skip-link:focus{left:16px;top:16px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(251,250,247,.92);backdrop-filter:blur(16px);border-bottom:1px solid rgba(185,151,86,.22);transition:box-shadow .25s,background .25s}
.site-header.scrolled{background:rgba(251,250,247,.98);box-shadow:0 8px 30px rgba(7,31,61,.08)}
a:focus-visible,.btn:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
.form-error{background:#fff4f4;border:1px solid #e8b4b4;border-radius:14px;padding:14px 16px;color:#8a1f1f;font-weight:700;margin:0}
.header-inner{height:92px;display:flex;align-items:center;justify-content:space-between;gap:32px}
.brand img{width:290px;height:auto}
.main-nav{display:flex;align-items:center;gap:22px;font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--navy)}
.nav-link{position:relative;padding:10px 0;color:var(--navy);font-weight:700}
.nav-link:after{content:"";position:absolute;left:0;right:0;bottom:2px;height:2px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:.25s}
.nav-link:hover:after,.nav-link.active:after{transform:scaleX(1)}
.nav-toggle{display:none;background:transparent;border:0;padding:8px;cursor:pointer}
.nav-toggle span{display:block;width:28px;height:2px;background:var(--navy);margin:6px 0}
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--navy),#05162b 55%,#0c2748);color:white;min-height:720px;display:flex;align-items:center}
.hero-bg{position:absolute;inset:0;background:radial-gradient(circle at 78% 20%,rgba(185,151,86,.26),transparent 28%),radial-gradient(circle at 15% 80%,rgba(255,255,255,.08),transparent 35%);opacity:.9}
.hero-grid{position:relative;display:grid;grid-template-columns:1.25fr .75fr;gap:72px;align-items:center;padding:110px 0}
h1,h2,h3{font-family:Georgia,'Times New Roman',serif;line-height:1.12;margin:0 0 18px;color:var(--navy)}
.hero h1,.page-hero h1,.panel.dark h2,.cta-band h2{color:white}
h1{font-size:clamp(42px,6vw,76px);letter-spacing:-.04em}
h2{font-size:clamp(30px,4vw,48px);letter-spacing:-.03em}
h3{font-size:24px;letter-spacing:-.02em}
p{margin:0 0 18px}.lead{font-size:20px;color:rgba(255,255,255,.82);max-width:760px}.page-hero .lead{color:rgba(255,255,255,.82)}
.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:.22em;font-weight:800;color:var(--gold);margin-bottom:14px}.gold{color:var(--gold-2)}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin:32px 0}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:14px 24px;font-weight:800;letter-spacing:.03em;border:1px solid transparent;transition:.25s;cursor:pointer}.btn.primary{background:var(--gold);color:#06172d}.btn.primary:hover{background:var(--gold-2);transform:translateY(-1px)}.btn.secondary{border-color:var(--gold);color:var(--navy);background:transparent}.hero .btn.secondary,.page-hero .btn.secondary{color:white}.btn.secondary:hover{background:rgba(185,151,86,.12)}.btn.light{background:white;color:var(--navy)}
.micro-note{font-size:13px;color:rgba(255,255,255,.62);max-width:720px}.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:28px;padding:38px;box-shadow:0 20px 80px rgba(0,0,0,.25)}.hero-card h2{color:white;font-size:36px}.hero-card p{color:rgba(255,255,255,.78)}.card-topline{height:3px;width:70px;background:var(--gold);margin-bottom:24px}
.check-list{list-style:none;margin:20px 0 0;padding:0}.check-list li{position:relative;padding-left:28px;margin:12px 0}.check-list li:before{content:"";position:absolute;left:0;top:8px;width:12px;height:12px;border:2px solid var(--gold);border-radius:50%}.hero-card .check-list li{color:white}.dark-text li{color:var(--ink)}
.section{padding:96px 0}.muted{background:var(--soft)}.intro-grid,.split-grid,.two-col,.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.intro-grid p{font-size:20px;color:var(--muted)}.section-head{margin-bottom:42px;max-width:800px}.centered{text-align:center;margin-left:auto;margin-right:auto}.cards{display:grid;gap:24px}.cards.three{grid-template-columns:repeat(3,1fr)}.cards.two{grid-template-columns:repeat(2,1fr)}.service-card,.wide-card,.fact-box,.note-card{background:white;border:1px solid var(--line);border-radius:24px;padding:30px;box-shadow:0 12px 40px rgba(7,31,61,.06)}.service-card span,.service-index{display:inline-flex;align-items:center;justify-content:center;min-width:44px;height:34px;padding:0 10px;border-radius:999px;background:rgba(185,151,86,.14);color:var(--gold);font-weight:900;margin-bottom:18px}.service-card p,.wide-card p,.fact-box p,.note-card p{color:var(--muted)}.panel.dark{background:linear-gradient(135deg,var(--navy),#05182f);color:white;border-radius:30px;padding:52px;box-shadow:var(--shadow)}.panel.dark p{color:rgba(255,255,255,.75)}.text-link{color:var(--gold-2);font-weight:800}.steps-list{display:grid;gap:18px}.steps-list>div{background:white;border-left:4px solid var(--gold);border-radius:18px;padding:24px;box-shadow:0 10px 30px rgba(7,31,61,.06)}.steps-list strong{color:var(--gold)}.steps-list h3{margin-bottom:8px}.steps-list p{color:var(--muted);margin:0}
.cta-band{background:var(--navy);color:white;padding:70px 0}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:36px}.cta-inner h2{max-width:780px}.page-hero{background:linear-gradient(135deg,var(--navy),#06172d);color:white;padding:108px 0 84px}.page-hero.compact{padding:94px 0 72px}.page-hero.trade{background:linear-gradient(135deg,#06172d,#0a2b51)}
.fact-box dl{display:grid;gap:14px}.fact-box dt{font-weight:900;color:var(--navy);font-size:12px;text-transform:uppercase;letter-spacing:.12em}.fact-box dd{margin:0;color:var(--muted)}.values-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.values-grid article{background:white;border:1px solid var(--line);border-radius:22px;padding:28px}.values-grid p{color:var(--muted)}.narrow{max-width:820px}.narrow.centered{text-align:center}.align-start{align-items:start}.service-list{display:grid;gap:28px}.service-list article{display:grid;grid-template-columns:80px 1fr;gap:28px;padding:34px;border-radius:26px;background:white;border:1px solid var(--line);box-shadow:0 10px 30px rgba(7,31,61,.05)}.service-list ul{columns:2;margin:14px 0 0;padding-left:18px;color:var(--muted)}.instrument-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.instrument-grid span{background:white;border:1px solid var(--line);border-radius:999px;padding:14px 18px;font-weight:800;color:var(--navy);box-shadow:0 10px 30px rgba(7,31,61,.05)}.process-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.process-strip div{background:white;border:1px solid var(--line);border-radius:24px;padding:28px}.process-strip strong{font-size:38px;color:var(--gold);font-family:Georgia,serif}.process-strip p{color:var(--muted)}.timeline{display:grid;gap:22px;max-width:960px}.timeline-item{display:grid;grid-template-columns:90px 1fr;gap:24px;background:white;border:1px solid var(--line);border-radius:26px;padding:32px}.timeline-item span{font-size:32px;color:var(--gold);font-family:Georgia,serif;font-weight:900}.timeline-item p{color:var(--muted)}.regulatory-box{border-top:5px solid var(--gold)}
.contact-grid{align-items:start}.contact-panel{background:var(--navy);color:white;border-radius:28px;padding:42px}.contact-panel h2{color:white}.contact-panel p{color:rgba(255,255,255,.78)}.contact-form{background:white;border:1px solid var(--line);border-radius:28px;padding:36px;box-shadow:var(--shadow);display:grid;gap:18px}.contact-form label{display:grid;gap:8px;font-weight:800;color:var(--navy)}.contact-form input,.contact-form select,.contact-form textarea{width:100%;border:1px solid #d9d3c7;border-radius:14px;padding:13px 14px;font:inherit;background:#fff;color:var(--ink)}.contact-form textarea{resize:vertical}.checkbox{display:flex!important;grid-template-columns:auto 1fr;align-items:flex-start;gap:10px;font-weight:400!important;color:var(--muted)!important}.checkbox input{width:auto;margin-top:5px}.honeypot{position:absolute;left:-9999px}.form-note,.small{font-size:13px;color:var(--muted)}.legal h2{font-size:28px;margin-top:32px}.legal p{color:var(--muted)}
.form-tabs{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:28px}.form-tab{padding:12px 20px;border-radius:999px;border:1px solid var(--line);font-weight:800;color:var(--navy);background:white}.form-tab.active,.form-tab:hover{background:var(--navy);color:white;border-color:var(--navy)}
.application-form{max-width:960px;margin:0 auto}.form-section{background:white;border:1px solid var(--line);border-radius:24px;padding:32px;margin-bottom:24px;box-shadow:0 10px 30px rgba(7,31,61,.05)}.form-section h2{font-size:24px;margin-bottom:8px}.form-section>p{color:var(--muted);margin-bottom:20px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}.form-row.three{grid-template-columns:repeat(3,1fr)}.radio-group{display:flex;flex-wrap:wrap;gap:16px}.radio-group label{display:flex;align-items:center;gap:8px;font-weight:600;color:var(--muted)}.radio-group input{width:auto}
.instrument-body{max-width:820px}.instrument-body h2{margin-top:36px}.instrument-body p,.instrument-body li{color:var(--muted)}.instrument-body ul{padding-left:20px}.instrument-meta{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0}.instrument-meta a{font-size:13px;font-weight:800;padding:10px 16px;border-radius:999px;background:rgba(185,151,86,.14);color:var(--navy)}.service-list .learn-more{display:inline-block;margin-top:12px;font-weight:800;color:var(--gold)}.service-list h2 a:hover{color:var(--gold)}
.process-phases{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.process-phase{background:white;border:1px solid var(--line);border-radius:24px;padding:28px;border-top:4px solid var(--gold)}.process-phase h3{font-size:20px}.process-phase p{color:var(--muted);margin:0;font-size:15px}.sector-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.sector-card{background:white;border:1px solid var(--line);border-radius:22px;padding:26px}.sector-card h3{font-size:20px;margin-bottom:10px}.sector-card p{color:var(--muted);margin:0;font-size:15px}.counterparty-panel{background:linear-gradient(135deg,var(--navy),#05182f);color:white;border-radius:30px;padding:48px}.counterparty-panel h2,.counterparty-panel h3{color:white}.counterparty-panel p{color:rgba(255,255,255,.78)}.instrument-grid a{display:block;text-align:center}
.form-tabs{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:28px}.form-tab{padding:12px 20px;border-radius:999px;border:1px solid var(--line);font-weight:800;color:var(--navy);background:white}.form-tab.active,.form-tab:hover{background:var(--navy);color:white;border-color:var(--navy)}
.application-form{max-width:960px;margin:0 auto}.form-section{background:white;border:1px solid var(--line);border-radius:24px;padding:32px;margin-bottom:24px;box-shadow:0 10px 30px rgba(7,31,61,.05)}.form-section h2{font-size:24px;margin-bottom:8px}.form-section>p{color:var(--muted);margin-bottom:20px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}.form-row.three{grid-template-columns:repeat(3,1fr)}.radio-group,.inline-options{display:flex;flex-wrap:wrap;gap:16px}.radio-group label,.inline-options label{display:flex;align-items:center;gap:8px;font-weight:600;color:var(--muted)}.radio-group input,.inline-options input{width:auto}
.instrument-body{max-width:820px}.instrument-body h2{margin-top:36px}.instrument-body p,.instrument-body li{color:var(--muted)}.instrument-body ul{padding-left:20px}.instrument-meta{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0}.instrument-meta a{font-size:13px;font-weight:800;padding:10px 16px;border-radius:999px;background:rgba(185,151,86,.14);color:var(--navy)}.service-list .learn-more{display:inline-block;margin-top:12px;font-weight:800;color:var(--gold)}.service-list h2 a:hover{color:var(--gold)}
.process-phases{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.process-phase{background:white;border:1px solid var(--line);border-radius:24px;padding:28px;border-top:4px solid var(--gold)}.process-phase h3{font-size:20px}.process-phase p{color:var(--muted);margin:0;font-size:15px}.sector-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.sector-card{background:white;border:1px solid var(--line);border-radius:22px;padding:26px}.sector-card h3{font-size:20px;margin-bottom:10px}.sector-card p{color:var(--muted);margin:0;font-size:15px}.counterparty-panel{background:linear-gradient(135deg,var(--navy),#05182f);color:white;border-radius:30px;padding:48px}.counterparty-panel h2,.counterparty-panel h3{color:white}.counterparty-panel p{color:rgba(255,255,255,.78)}.instrument-grid a{display:block;text-align:center}
.site-footer{background:#06172d;color:white;padding:64px 0 26px}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr .8fr;gap:36px}.footer-logo{width:250px;margin-bottom:16px;filter:brightness(1.08)}.site-footer p,.site-footer a{color:rgba(255,255,255,.72)}.site-footer h4{margin:0 0 14px;color:white}.site-footer a{display:block;margin:7px 0}.footer-bottom{margin-top:44px;padding-top:22px;border-top:1px solid rgba(255,255,255,.14);display:flex;justify-content:space-between;gap:24px;font-size:12px;color:rgba(255,255,255,.55)}
.reveal{opacity:0;transform:translateY(18px);animation:reveal .8s ease forwards}.delay-1{animation-delay:.16s}@keyframes reveal{to{opacity:1;transform:none}}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}.reveal,.delay-1{opacity:1;transform:none;animation:none}}
@media(max-width:980px){.header-inner{height:78px}.brand img{width:230px}.nav-toggle{display:block}.main-nav{position:fixed;top:78px;left:0;right:0;background:var(--paper);display:none;flex-direction:column;align-items:flex-start;padding:24px 8vw;border-bottom:1px solid var(--line);box-shadow:0 20px 40px rgba(0,0,0,.08)}.main-nav.open{display:flex}.hero-grid,.intro-grid,.split-grid,.two-col,.contact-grid{grid-template-columns:1fr;gap:36px}.cards.three,.cards.two,.values-grid,.process-strip,.footer-grid,.process-phases,.sector-grid,.form-row,.form-row.three{grid-template-columns:1fr}.hero{min-height:auto}.hero-grid{padding:86px 0}.cta-inner{flex-direction:column;align-items:flex-start}.service-list article,.timeline-item{grid-template-columns:1fr}.service-list ul{columns:1}.footer-bottom{flex-direction:column}.page-hero.compact{padding:72px 0 56px}}
@media(max-width:640px){.brand img{width:190px}.cards.three,.cards.two,.values-grid,.process-strip,.footer-grid,.instrument-grid{grid-template-columns:1fr}h1{font-size:42px}.section{padding:70px 0}.hero-card,.panel.dark,.contact-form,.contact-panel{padding:28px;border-radius:22px}}