:root {
  --navy: #0B1829;
  --navy-light: #162236;
  --amber: #D97706;
  --amber-light: #F59E0B;
  --bg: #FFFFFF;
  --bg-light: #F5F7FA;
  --text: #1A1A2E;
  --text-muted: #5A6478;
  --border: #E2E8F0;
  --serif: 'Instrument Serif', Georgia, serif;
  --sans: 'DM Sans', system-ui, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: var(--sans);
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* Nav */
.nav {
  padding: 20px 48px;
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1200px;
  margin: 0 auto;
}
.nav-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--serif);
  font-size: 20px;
  color: var(--navy);
}
.nav-tagline {
  font-size: 13px;
  color: var(--text-muted);
  font-weight: 400;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

/* Hero */
.hero {
  position: relative;
  padding: 100px 48px 80px;
  overflow: hidden;
}
.hero-bg-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(var(--border) 1px, transparent 1px),
    linear-gradient(90deg, var(--border) 1px, transparent 1px);
  background-size: 60px 60px;
  opacity: 0.4;
  mask-image: linear-gradient(to bottom, transparent, rgba(0,0,0,0.3) 20%, rgba(0,0,0,0.3) 80%, transparent);
  -webkit-mask-image: linear-gradient(to bottom, transparent, rgba(0,0,0,0.3) 20%, rgba(0,0,0,0.3) 80%, transparent);
}
.hero-inner {
  position: relative;
  max-width: 1200px;
  margin: 0 auto;
}
.hero-kicker {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 20px;
}
.hero-headline {
  font-family: var(--serif);
  font-size: clamp(52px, 7vw, 88px);
  font-weight: 400;
  line-height: 1.05;
  color: var(--navy);
  margin-bottom: 28px;
}
.hero-headline em {
  font-style: italic;
  color: var(--text);
}
.hero-sub {
  font-size: 18px;
  color: var(--text-muted);
  max-width: 560px;
  line-height: 1.7;
  font-weight: 400;
}

/* Problem */
.problem {
  background: var(--bg-light);
  padding: 80px 48px;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.problem-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.problem-stat-row {
  display: flex;
  align-items: stretch;
  gap: 0;
  margin-bottom: 48px;
}
.problem-stat {
  flex: 1;
  padding: 0 40px;
}
.problem-stat:first-child { padding-left: 0; }
.problem-stat:last-child { padding-right: 0; }
.problem-divider {
  width: 1px;
  background: var(--border);
  flex-shrink: 0;
}
.stat-num {
  font-family: var(--serif);
  font-size: 52px;
  color: var(--navy);
  font-weight: 400;
  line-height: 1;
  margin-bottom: 10px;
}
.stat-label {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.5;
}
.problem-body {
  font-size: 17px;
  color: var(--text);
  max-width: 680px;
  line-height: 1.7;
}

/* Approach */
.approach {
  padding: 100px 48px;
}
.approach-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.approach-label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 48px;
}
.approach-steps {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px 64px;
}
.approach-step {
  display: flex;
  gap: 24px;
}
.step-num {
  font-family: var(--serif);
  font-size: 14px;
  color: var(--amber);
  font-weight: 400;
  flex-shrink: 0;
  padding-top: 4px;
  min-width: 28px;
}
.step-body h3 {
  font-family: var(--sans);
  font-size: 18px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}
.step-body p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.65;
}

/* Features */
.features {
  background: var(--navy);
  padding: 100px 48px;
}
.features-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.features-label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 16px;
}
.features-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 1px;
  background: rgba(255,255,255,0.08);
}
.feature-card {
  background: var(--navy);
  padding: 40px 36px;
}
.feature-icon {
  margin-bottom: 20px;
}
.feature-card h3 {
  font-family: var(--sans);
  font-size: 16px;
  font-weight: 600;
  color: #FFFFFF;
  margin-bottom: 10px;
}
.feature-card p {
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  line-height: 1.65;
}

/* Regulatory */
.regulatory {
  padding: 100px 48px;
  background: var(--bg-light);
  border-top: 1px solid var(--border);
}
.regulatory-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.regulatory-label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 20px;
}
.regulatory-headline {
  font-family: var(--serif);
  font-size: 36px;
  font-weight: 400;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 20px;
}
.regulatory-body {
  font-size: 16px;
  color: var(--text-muted);
  line-height: 1.7;
}
.regulators-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  border: 1px solid var(--border);
}
.reg-item {
  padding: 18px 20px;
  font-size: 13px;
  font-weight: 500;
  color: var(--text);
  border-bottom: 1px solid var(--border);
  border-right: 1px solid var(--border);
}
.reg-item:nth-child(even) { border-right: none; }
.reg-item:nth-last-child(-n+2) { border-bottom: none; }

/* Closing */
.closing {
  padding: 120px 48px;
  background: var(--navy);
  text-align: center;
}
.closing-inner {
  max-width: 720px;
  margin: 0 auto;
}
.closing-headline {
  font-family: var(--serif);
  font-size: clamp(36px, 5vw, 56px);
  font-weight: 400;
  color: #FFFFFF;
  line-height: 1.15;
  margin-bottom: 24px;
  font-style: italic;
}
.closing-body {
  font-size: 18px;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
}

/* Footer */
.footer {
  padding: 40px 48px;
  border-top: 1px solid var(--border);
}
.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.footer-brand {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--serif);
  font-size: 17px;
  color: var(--navy);
}
.footer-note {
  font-size: 14px;
  color: var(--text-muted);
}

/* Responsive */
@media (max-width: 900px) {
  .nav { padding: 16px 24px; }
  .hero { padding: 72px 24px 60px; }
  .problem { padding: 60px 24px; }
  .approach { padding: 72px 24px; }
  .features { padding: 72px 24px; }
  .regulatory { padding: 72px 24px; }
  .closing { padding: 80px 24px; }
  .footer { padding: 32px 24px; }
  .problem-stat-row { flex-direction: column; gap: 32px; }
  .problem-stat { padding: 0; }
  .problem-divider { display: none; }
  .approach-steps { grid-template-columns: 1fr; gap: 36px; }
  .features-grid { grid-template-columns: 1fr; }
  .regulatory-inner { grid-template-columns: 1fr; gap: 48px; }
  .footer-inner { flex-direction: column; gap: 12px; }
}

@media (max-width: 600px) {
  .stat-num { font-size: 40px; }
  .regulators-list { grid-template-columns: 1fr; }
  .reg-item { border-right: none; }
  .reg-item:nth-last-child(-n+2) { border-bottom: 1px solid var(--border); }
  .reg-item:last-child { border-bottom: none; }
}