/* report and finding page */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
--red: #c0392b;
--red-light: #fff0ef;
--red-mid: #f5c6c6;
--gold: #d4a820;
--gold-bright: #f0c040;
--dark: #1a1612;
--text: #2c2420;
--muted: #7a6e6a;
--border: rgba(0,0,0,0.09);
--surface: #ffffff;
--bg: #faf8f5;
--radius: 14px;
--radius-sm: 8px;

/* Card theme */
--card-bg: #1a1f3c;
--card-bg-hover: #1e2445;
--card-border: rgba(212,168,32,0.25);
--card-border-hover: rgba(192,148,14,0.55);
--card-heading: #d4a820;
--card-text: rgb(214, 202, 202);
--card-muted: #a09ab8;
}

html { scroll-behavior: smooth; }
body { font-family:'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; color: var(--text); font-size: 15px; line-height: 1.6; }

/* DARK BACKGROUND */
.page-bg {
position: relative;
min-height: 100vh;
}
.page-bg::before {
content: '';
position: fixed;
inset: 0;
background-image: url('https://www.shutterstock.com/image-photo/bank-building-600nw-574713295.jpg');
background-size: cover;
background-position: center top;
background-repeat: no-repeat;
z-index: -2;
}
.page-bg::after {
content: '';
position: fixed;
inset: 0;
background: rgba(8, 10, 28, 0.72);
z-index: -1;
}

/* NAVBAR */
.navbar {
position: sticky; top: 0; z-index: 50;
display: flex; justify-content: space-between; align-items: center;
padding: 0 48px; height: 64px;
background: rgba(26,31,60,0.97);
backdrop-filter: blur(12px);
border-bottom: 1px solid rgba(212,168,32,0.15);
}
.logo { font-family: 'Playfair Display', serif; font-size: 22px; font-weight: 700; color: #d4a820; letter-spacing: -0.02em; text-decoration: none; }
.logo em { color: var(--red); font-style: normal; }
.nav-links { display: flex; gap: 2px; align-items: center; }
.nav-links a {
font-family:'Times New Roman', Times, serif;
font-size: 11px; font-weight: 600;
letter-spacing: 0.09em; text-transform: uppercase;
color: rgba(232,228,240,0.72);
text-decoration: none;
padding: 8px 14px;
border-radius: 0;
border: 1px solid transparent;
position: relative;
transition: color 0.18s, background 0.18s, border-color 0.18s;
white-space: nowrap;
}
/* bottom accent line on hover */
.nav-links a::after {
content: '';
position: absolute; bottom: -1px; left: 0; right: 0; height: 2px;
background: var(--gold);
transform: scaleX(0);
transform-origin: left;
transition: transform 0.22s ease;
}
.nav-links a:hover {
color: #fff;
background: rgba(212,168,32,0.08);
border-color: rgba(212,168,32,0.18);
}
.nav-links a:hover::after { transform: scaleX(1); }
.nav-links a:active {
background: rgba(212,168,32,0.2);
border-color: rgba(212,168,32,0.45);
}
.nav-links a.active {
color: var(--gold-bright);
background: rgba(212,168,32,0.12);
border-color: rgba(212,168,32,0.35);
}
.nav-links a.active::after { transform: scaleX(1); }

/* FinSight — distinct CTA button with blink */
.nav-links a.nav-cta {
color: #0e1128;
background: var(--gold);
border-color: var(--gold);
font-weight: 700;
letter-spacing: 0.1em;
}
.nav-links a.nav-cta::after { display: none; }
@keyframes ctaBlink {
0%, 100% { background: var(--gold); border-color: var(--gold); box-shadow: none; color: #0e1128; }
50% { background: var(--gold-bright); border-color: var(--gold-bright); box-shadow: 0 0 12px rgba(240,192,64,0.6); color: #0a0e20; }
}
.nav-links a.nav-cta { animation: ctaBlink 1.3s ease-in-out infinite; }
.nav-links a.nav-cta:hover {
animation: none;
background: var(--gold-bright);
border-color: var(--gold-bright);
color: #0e1128;
box-shadow: 0 0 14px rgba(212,168,32,0.45);
}
.nav-links a.nav-cta:active {
animation: none;
background: #b8900e;
border-color: #b8900e;
box-shadow: none;
}

/* blinking animation — for other nav-blink links */
@keyframes tabBlink {
0%, 100% { background: rgba(212,168,32,0.12); border-color: rgba(212,168,32,0.35); color: #f0c040; }
50% { background: rgba(212,168,32,0.28); border-color: rgba(212,168,32,0.6); color: #fff; box-shadow: 0 0 8px rgba(212,168,32,0.3); }
}
.nav-blink { animation: tabBlink 1.3s ease-in-out infinite; }
.nav-blink:hover { animation: none !important; }

/* ── Hamburger ── */
.ham-btn { display: none; flex-direction: column; gap: 5px; background: none; border: 1px solid rgba(212,168,32,0.25); cursor: pointer; padding: 8px 9px; border-radius: 0; }
.ham-btn span { display: block; width: 20px; height: 2px; background: var(--gold-bright); }

/* ── Mobile dropdown ── */
.mobile-nav {
display: none; flex-direction: column;
position: fixed; top: 64px; right: 16px; width: 230px;
background: rgba(14,17,40,0.99); border: 1px solid rgba(212,168,32,0.25);
border-radius: 0; box-shadow: 0 12px 32px rgba(0,0,0,0.55);
padding: 6px; z-index: 100;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
font-family: 'DM Sans', sans-serif;
font-size: 11px; font-weight: 600; letter-spacing: 0.09em; text-transform: uppercase;
color: rgba(232,228,240,0.75); text-decoration: none;
padding: 10px 14px; border-radius: 0;
border-left: 2px solid transparent;
transition: background 0.15s, color 0.15s, border-color 0.15s;
}
.mobile-nav a:hover { background: rgba(212,168,32,0.1); color: #fff; border-left-color: var(--gold); }
.mob-label { font-size: 10px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.12em; color: var(--card-muted); padding: 8px 14px 4px; border-bottom: 1px solid rgba(212,168,32,0.15); margin-bottom: 4px; }
@keyframes mobileCta { 0%,100% { background: var(--gold); } 50% { background: var(--gold-bright); box-shadow: 0 0 8px rgba(240,192,64,0.4); } }
.mobile-nav .nav-cta { background: var(--gold); color: #0e1128 !important; font-weight: 700; margin-top: 4px; border-left-color: transparent; animation: mobileCta 1.3s ease-in-out infinite; }
.mobile-nav .nav-cta:hover { animation: none; background: var(--gold-bright); border-left-color: transparent; }
.mobile-nav .nav-blink { color: #f0c040 !important; animation: mobileBlink 1.3s ease-in-out infinite; }
@keyframes mobileBlink { 0%, 100% { background: rgba(212,168,32,0.1); border-left-color: rgba(212,168,32,0.4); } 50% { background: rgba(212,168,32,0.25); border-left-color: var(--gold); } }



/* HERO */
.hero { position: relative; overflow: hidden; padding: 26px 48px 38px; color: white; }
.hero-inner { position: relative; max-width: 800px; }
.hero-eyebrow { display: inline-flex; align-items: center; margin-left: 8px; font-size: 12px; font-weight: 500; letter-spacing: 0.6em; text-transform: uppercase; color: var(--gold); margin-bottom: 10px; font-family: 'Times New Roman', Times, serif;}
/* .hero-eyebrow::before { content: ''; display: block; width: 24px; height: 1px; background: var(--gold); } */
.hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(28px, 5vw, 44px); font-weight: 700; line-height: 1.15; letter-spacing: 0.05em; margin-bottom: 14px; }
.hero h1 span { color: #e8755a; }
.hero p { font-size: 14px; color: whitesmoke; line-height: 1.7; font-style: italic; }

/* TAB BAR */
.tab-bar {
background: rgba(26,31,60,0.90);
backdrop-filter: blur(8px);
border-bottom: 1px solid rgba(212,168,32,0.15);
padding: 0 48px; display: flex; overflow-x: auto;
position: sticky; top: 64px; z-index: 40;
}
.tab-btn { font-size: 12px; font-weight: 600; color: var(--card-muted); background: none; border: none; border-bottom: 2px solid transparent; padding: 14px 16px; cursor: pointer; white-space: nowrap; font-family:'Times New Roman', Times, serif; transition: color 0.15s, border-color 0.15s; text-transform: uppercase; }
.tab-btn:hover { color: var(--gold-bright); border-bottom-color: rgba(212,168,32,0.4); }
.tab-btn.active { color: var(--gold-bright); border-bottom-color: var(--gold); }

/* PAGE WRAP */
.page-wrap {
display: grid; grid-template-columns: 190px 1fr; width: 100%; max-width: 100%; margin: 0 auto; padding: 48px 48px 80px; align-items: start;
}
.page-wrap.no-sidebar { grid-template-columns: 1fr; }

/* SIDEBAR TOC */
.toc { position: sticky; top: 120px; padding-right: 28px; border-right: 1px solid rgba(212,168,32,0.15); }
.toc-label { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 12px; color: var(--card-muted); font-family: 'Times New Roman', Times, serif; }
.toc a { display: block; font-size: 10px; color: var(--card-muted); text-decoration: none; padding: 6px 0 6px 12px; margin-left: -12px; border-left: 2px solid transparent; transition: color 0.15s, border-color 0.15s; line-height: 1.4; font-family: 'Times New Roman', Times, serif; text-transform: uppercase; }
.toc a:hover { color: var(--gold-bright); border-left-color: rgba(212,168,32,0.4); }
.toc a.active { color: var(--gold-bright); border-left-color: var(--gold); font-weight: 500; }
.toc-group { margin-bottom: 10px; }

/* CONTENT */
.content { padding-left: 40px; display: flex; flex-direction: column; gap: 32px; }
.tab-panel { display: none; flex-direction: column; gap: 32px; }
.tab-panel.active { display: flex; }

/* STAT STRIP */
.stat-strip { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; scroll-margin-top: 120px; }
.stat-box { background: rgba(155,120,7,0.5); border: 1px solid rgba(212,168,32,0.3); border-radius: var(--radius-sm); padding: 16px; text-align: center; backdrop-filter: blur(6px); }
.stat-box strong { display: block; font-family: 'Playfair Display', serif; font-size: 26px; color: var(--gold-bright); font-weight: 700; }
.stat-box span { font-size: 11px; color: var(--card-text); font-family: 'Times New Roman', Times, serif; text-transform: uppercase; letter-spacing: 0.08em; word-spacing: 0.2em;}

/* SECTION CARD */
.rs { background: var(--card-bg); border: 1px solid var(--card-border); border-radius: var(--radius); overflow: hidden; scroll-margin-top: 120px; transition: box-shadow 0.2s, border-color 0.2s; backdrop-filter: blur(8px); }
.rs:hover { box-shadow: 0 12px 40px rgba(0,0,0,0.45), 0 0 0 1px rgba(212,168,32,0.3); border-color: var(--card-border-hover); }
.rs-head { display: flex; align-items: flex-start; gap: 14px; padding: 22px 26px 18px; border-bottom: 1px solid rgba(212,168,32,0.15); }
/* .rs-icon { width: 38px; height: 38px; border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 17px; flex-shrink: 0; margin-top: 2px; background: rgba(212,168,32,0.12); border: 1px solid rgba(212,168,32,0.2); } */
.rs-head h2 { font-family:'Times New Roman', Times, serif; font-size: 16px; font-weight: 650; margin-bottom: 2px; color: var(--card-heading); border-bottom: 1px solid rgba(212,168,32,0.3); padding-bottom: 4px; text-transform: uppercase;}
.rs-head p { font-size: 12px; color: var(--card-muted); font-style: italic; }
.rs-body { padding: 22px 26px; display: flex; flex-direction: column; gap: 18px; }
.rs-body p { font-size: 14px; color: var(--card-text); line-height: 1.78; font-style: italic; text-align:justify;}
.rs-body h3 { font-size: 12px; font-weight: 600; color: var(--card-heading); margin-bottom: 4px; font-family: 'Times New Roman', Times, serif; text-transform: uppercase; letter-spacing: 0.05em; word-spacing: 0.2em;}

.sub-block { background: rgba(255,255,255,0.04); border: 1px solid rgba(212,168,32,0.15); border-radius: var(--radius-sm); padding: 15px 18px; }
.sub-block h3 { margin-bottom: 8px; color: var(--card-heading); }

.pill-list { display: flex; flex-direction: column; gap: 7px; margin-top: 4px; }
.pill-item { display: flex; align-items: flex-start; gap: 9px; font-size: 14px; color: var(--card-text); line-height: 1.5; font-style: italic; text-align: justify;}
.pill-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--gold); flex-shrink: 0; margin-top: 6px; }

.findings-list { display: flex; flex-direction: column; gap: 10px; }
.finding-item { display: flex; gap: 14px; align-items: flex-start; background: rgba(255,255,255,0.04); border: 1px solid rgba(212,168,32,0.15); border-radius: var(--radius-sm); padding: 14px 16px; transition: border-color 0.15s; }
.finding-item:hover { border-color: rgba(212,168,32,0.5); }
.finding-num { font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 700; color: var(--gold); flex-shrink: 0; line-height: 1; padding-top: 2px; min-width: 24px; }
.finding-text { font-size: 14px; color: var(--card-text); line-height: 1.65; font-style: italic; }
.finding-text strong { font-weight: 650; }

.factor-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.factor-card { background: rgba(255,255,255,0.04); border: 1px solid rgba(212,168,32,0.15); border-radius: var(--radius-sm); padding: 15px; }
.factor-top { display: flex; align-items: center; gap: 10px; margin-bottom: 8px; }
/* .factor-icon { width: 30px; height: 30px; border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 14px; background: rgba(212,168,32,0.12); } */
.factor-card h4 { font-size: 12px; font-weight: 550; color: var(--card-heading); text-transform: uppercase; font-family: 'Times New Roman', Times, serif;}
.factor-card p { font-size: 14px; color: var(--card-text); line-height: 1.55; }
.score-row { display: flex; align-items: center; gap: 10px; margin-top: 10px; }
.score-bar-wrap { flex: 1; height: 5px; background: rgba(255,255,255,0.1); border-radius: 3px; overflow: hidden; }
.score-bar { height: 5px; background: var(--gold); border-radius: 3px; }
.score-val { font-size: 13px; font-weight: 500; color: var(--gold); min-width: 30px; }

.chart-wrap { background: rgba(255,255,255,0.04); border: 1px solid rgba(212,168,32,0.15); border-radius: var(--radius-sm); padding: 18px; }
.chart-title { font-size: 12px; font-weight: 500; text-transform: uppercase; letter-spacing: 0.07em; color: var(--card-muted); margin-bottom: 14px; font-family: 'Times New Roman', Times, serif; word-spacing: 0.3em;}
.chart-wrap canvas { max-height: 230px; }

.tableau-wrap { background: rgba(255,255,255,0.04); border: 1px solid rgba(212,168,32,0.15); border-radius: var(--radius-sm); overflow: hidden; }
.tableau-wrap iframe { width: 100%; height: 520px; border: none; display: block; }
.tableau-label { padding: 12px 18px; font-size: 12px; color: var(--card-muted); border-top: 1px solid rgba(212,168,32,0.15); }

.tb-banner { border-radius: var(--radius); padding: 26px 30px; display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.tb-btn { background: var(--card-bg); color: var(--gold-bright); border: 1px solid var(--card-border); border-radius: var(--radius-sm); padding: 20px 30px; font-size: 13px; font-weight: 600; cursor: pointer; text-decoration: none; white-space: nowrap; transition: background 0.15s; letter-spacing: 0.05em; text-transform: uppercase; font-family: 'Times New Roman', Times, serif; word-spacing: 0.5em;}
.tb-btn:hover { background: var(--card-bg-hover); border-color: var(--card-border-hover); box-shadow: 0 10px 36px rgba(0,0,0,0.959), 0 0 0 1px rgb(163,127,20); transform: translateY(-3px); }

/* GOTO */
.goto-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(125px, 1fr)); gap: 16px; margin-left: 30px; margin-top: 4px; }
.goto {
border: 1px solid var(--card-border);
border-radius: var(--radius);
background: var(--card-bg);
padding: 18px;
cursor: pointer; text-decoration: none; color: inherit;
display: flex; flex-direction: column;
transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
backdrop-filter: blur(8px);
}
.goto:hover {
transform: translateY(-3px);
box-shadow: 0 10px 36px rgba(0,0,0,0.959), 0 0 0 1px rgb(163,127,20);
border-color: var(--card-border-hover);
background: var(--card-bg-hover);
}
.goto-link { font-size: 14px; font-weight: 600; color: var(--gold); display: inline-flex; align-items: center; gap: 4px; letter-spacing: 0.2em; text-transform: uppercase; font-family: 'Times New Roman', Times, serif;}


#back-top { position: fixed; bottom: 24px; right: 24px; width: 40px; height: 40px; background: var(--card-bg); color: var(--gold-bright); border: 1px solid rgba(212,168,32,0.3); border-radius: 50%; font-size: 16px; cursor: pointer; display: flex; align-items: center; justify-content: center; opacity: 0; pointer-events: none; transition: opacity 0.2s, background 0.2s; box-shadow: 0 4px 16px rgba(0,0,0,0.4); }
#back-top.visible { opacity: 1; pointer-events: all; }
#back-top:hover { background: rgba(212,168,32,0.2); }

footer {
background: rgba(26,31,60,0.97);
text-align: center;
padding: 28px 48px;
border-top: 1px solid rgba(212,168,32,0.2);
font-size: 13px;
color: var(--card-muted);
font-family: 'Times New Roman', Times, serif; 
word-spacing: 0.2em; 
letter-spacing: 0.04em;
}
footer strong { color: var(--card-text); font-weight: 600; }

/* RESPONSIVE */
@media (max-width: 1024px) {
.navbar { padding: 0 24px; }
.nav-links a { font-size: 12px; padding: 6px 9px; }
.tab-bar { padding: 0 16px; }
.page-wrap { padding: 36px 24px 60px; }
}
@media (max-width: 768px) {
.nav-links { display: none; }
.ham-btn { display: flex; }
.navbar { padding: 0 16px; height: 54px; }
.mobile-nav { top: 54px; }
.tab-bar { top: 54px; padding: 0 4px; }
.tab-btn { font-size: 12px; padding: 12px 10px; }
.hero { padding: 20px 20px 32px; }
.hero h1 { font-size: 24px; }
.hero p { font-size: 13px; }
.page-wrap { grid-template-columns: 1fr; padding: 24px 16px 48px; }
.toc { display: none; }
.content { padding-left: 0; }
.stat-strip { grid-template-columns: 1fr 1fr; gap: 8px; }
.stat-box { padding: 12px 8px; }
.stat-box strong { font-size: 22px; }
.rs-head { padding: 14px 16px; gap: 10px; }
.rs-head h2 { font-size: 16px; }
.rs-body { padding: 14px 16px; gap: 14px; }
.rs-body p { font-size: 13px; }
.factor-grid { grid-template-columns: 1fr; }
.finding-num { font-size: 15px; }
/* .pdf-banner { flex-direction: column; align-items: flex-start; padding: 20px; } */
.tableau-wrap iframe { height: 360px; }
footer { padding: 20px 16px; }
}
@media (max-width: 380px) {
.hero h1 { font-size: 20px; }
.stat-strip { grid-template-columns: 1fr 1fr; }
.rs-body { padding: 12px 12px; }
.tab-btn { font-size: 11px; padding: 10px 7px; }
}