@charset "UTF-8";
:root{--navy:#092b50;--blue:#07569a;--cyan:#54c4df;--ink:#17324c;--muted:#5d7184;--line:#d7e2eb;--paper:#fff;--pale:#f1f7fa;--max:1200px}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,"Helvetica Neue",sans-serif;font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:inherit}
a:focus-visible{outline:3px solid #edaa28;outline-offset:4px;border-radius:3px}
.wrap{width:min(var(--max),calc(100% - 56px));margin-inline:auto}
.skip-link{position:absolute;z-index:20;left:16px;top:-80px;padding:10px 16px;background:#fff;color:var(--navy);border:2px solid var(--blue)}.skip-link:focus{top:12px}
.site-header{height:82px;border-bottom:1px solid #e7edf2;background:#fff}
.brandline{height:100%;display:flex;align-items:center;gap:22px}
.brand,.ks-brand{display:flex;align-items:center;text-decoration:none}
.brand img,.footer-brand img{display:block;width:188px;height:auto;max-height:40px;object-fit:contain;object-position:left center}
.brand-divider{height:38px;width:1px;background:var(--line)}
.ks-brand{gap:10px;color:var(--navy);font-size:12px;font-weight:700;line-height:1.25;letter-spacing:.02em}.ks-brand img{width:42px;height:36px;object-fit:contain}
.top-nav{display:flex;align-items:center;gap:28px;margin-left:auto}.top-nav a{text-decoration:none;font-size:13px;color:#354e64}.top-nav a:hover{color:var(--blue)}
.hero{background:var(--navy);color:white;overflow:hidden}
.hero-inner{min-height:500px;display:grid;grid-template-columns:1.04fr .96fr;align-items:stretch}
.hero-copy{position:relative;z-index:1;padding:72px 42px 54px 0;align-self:center}
.eyebrow{margin:0 0 13px;color:#1881b4;font-size:12px;font-weight:700;letter-spacing:.13em;text-transform:uppercase}
.hero .eyebrow{color:#83d8ed}
h1,h2,p{margin-top:0}
h1{max-width:650px;margin-bottom:20px;font-size:clamp(38px,4.2vw,58px);line-height:1.08;letter-spacing:-.035em;font-weight:500}
.hero-lead{max-width:520px;margin-bottom:27px;color:#d6e2ec;font-size:18px;line-height:1.5}
.event-date{display:flex;gap:11px;align-items:center;margin-bottom:26px;color:#fff;font-size:15px;font-weight:700}
.download-row{display:flex;flex-wrap:wrap;gap:12px}.button{display:inline-flex;min-height:48px;align-items:center;justify-content:center;gap:18px;padding:0 18px;border-radius:3px;text-decoration:none;font-size:14px;font-weight:700;transition:background .15s ease,color .15s ease}.button-primary{background:#75d4e9;color:#072746}.button-primary:hover{background:#a0e7f4}.button-secondary{border:1px solid #8ea4b8;color:#fff}.button-secondary:hover{background:#fff;color:var(--navy)}
.updated{margin:15px 0 0;color:#a9bdcd;font-size:12px}
.hero-photo{position:relative;min-height:500px;margin-right:calc((100vw - min(var(--max),100vw - 56px))/ -2);overflow:hidden}.hero-photo:after{position:absolute;inset:0;content:"";background:linear-gradient(90deg,var(--navy) 0,rgba(9,43,80,.28) 27%,rgba(9,43,80,0) 68%),linear-gradient(0deg,rgba(4,29,54,.4),transparent 38%)}.hero-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}.photo-caption{position:absolute;z-index:1;right:24px;bottom:20px;color:#fff;font-size:11px;letter-spacing:.08em;text-transform:uppercase}
.section{padding-block:83px}.section-heading{max-width:590px}.section h2{margin-bottom:0;color:var(--navy);font-size:clamp(30px,3.4vw,42px);line-height:1.15;letter-spacing:-.025em;font-weight:500}
.policy-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:60px;margin-top:44px;padding-top:33px;border-top:1px solid var(--line)}
.rate-block{display:flex;flex-direction:column;gap:6px}.small-label{color:var(--muted);font-size:14px}.rate-block strong{color:var(--navy);font-size:clamp(65px,8vw,100px);line-height:1;font-weight:500;letter-spacing:-.06em}.rate-block strong span{font-size:.62em;color:#1386b5}
.policy-copy>p:first-child{margin:0 0 14px;color:var(--muted);font-size:14px}.forecast-row{display:flex;gap:54px;margin-bottom:24px}.forecast-row div{display:flex;flex-direction:column;gap:3px}.forecast-row strong{color:var(--blue);font-size:30px;font-weight:500;letter-spacing:-.03em}.forecast-row span{color:var(--muted);font-size:13px}.risk-note{max-width:650px;margin:0;padding:14px 0 0 19px;border-left:3px solid var(--cyan);font-size:15px;line-height:1.55}
.region{background:var(--pale)}.region-inner{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px;align-items:start}.section-intro{margin:16px 0 0;color:var(--muted);font-size:14px}.comparison{border-top:2px solid var(--navy)}.comparison-head,.comparison-row{display:grid;grid-template-columns:1.65fr .65fr .65fr;align-items:center;gap:14px}.comparison-head{padding:14px 16px;color:var(--muted);font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.07em}.comparison-head span:not(:first-child),.comparison-row strong{text-align:right}.comparison-row{min-height:73px;padding:15px 16px;border-top:1px solid #d4e1e9}.comparison-row>span{font-size:14px}.comparison-row strong{color:var(--navy);font-size:23px;font-weight:500}
.slides{padding-bottom:96px}.slides-heading{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:35px}.slides-heading>p{max-width:335px;margin:0 0 4px;color:var(--muted);font-size:14px}.slide-list{display:grid;grid-template-columns:1fr 1fr;column-gap:28px;row-gap:34px}.slide-item{margin:0;min-width:0}.slide-item figcaption{display:flex;align-items:center;gap:14px;margin-bottom:13px}.slide-number{color:#1486b2;font-size:13px;font-weight:700;letter-spacing:.08em}.slide-item figcaption span:last-child{display:flex;flex-direction:column;gap:2px}.slide-item figcaption strong{color:var(--navy);font-size:16px}.slide-item figcaption small{color:var(--muted);font-size:12px}.slide-image{display:block;overflow:hidden;background:#e8eef2;border:1px solid #dce5eb}.slide-image img{display:block;width:100%;height:auto;transition:transform .25s ease}.slide-image:hover img{transform:scale(1.015)}
.site-footer{background:#062440;color:#d7e3ec}.footer-inner{display:flex;justify-content:space-between;gap:60px;padding-block:39px}.footer-brand img{filter:brightness(0) invert(1);opacity:.9}.footer-brand p{max-width:440px;margin:16px 0 0;color:#b9c9d5;font-size:12px}.site-footer address{display:grid;grid-template-columns:1fr 1fr;gap:8px 28px;align-content:center;font-style:normal;font-size:13px}.site-footer address a{text-decoration:none;color:#e6f3f8}.site-footer address a:hover{text-decoration:underline}.footer-bottom{padding:12px 0;border-top:1px solid rgba(255,255,255,.13);color:#8da4b5;font-size:11px}
@media(max-width:850px){.wrap{width:min(var(--max),calc(100% - 40px))}.top-nav{gap:16px}.top-nav a{font-size:12px}.hero-inner{grid-template-columns:1fr .8fr;min-height:460px}.hero-copy{padding:58px 25px 46px 0}.hero-photo{min-height:460px;margin-right:calc((100vw - min(var(--max),100vw - 40px))/ -2)}h1{font-size:clamp(36px,5.6vw,50px)}.policy-grid{gap:32px}.region-inner{grid-template-columns:1fr;gap:34px}.section{padding-block:67px}}
@media(max-width:620px){html{scroll-padding-top:20px}.wrap{width:calc(100% - 36px)}.site-header{height:auto;min-height:72px}.brandline{min-height:72px;gap:12px;flex-wrap:wrap;padding-block:10px}.brand img{width:150px}.brand-divider{height:31px}.ks-brand{font-size:10px;gap:6px}.ks-brand img{width:34px;height:31px}.top-nav{order:3;width:100%;margin:0;gap:0;justify-content:space-between;padding:10px 0 2px;border-top:1px solid #edf1f4}.top-nav a{font-size:11px}.hero-inner{display:flex;flex-direction:column;min-height:0;width:100%}.hero-copy{padding:46px 0 35px;width:calc(100% - 36px);margin:auto}.hero-photo{order:-1;width:100%;min-height:230px;height:230px;margin:0}.hero-photo:after{background:linear-gradient(0deg,rgba(9,43,80,.34),transparent 55%)}.photo-caption{right:18px;bottom:13px}h1{font-size:clamp(36px,10vw,46px);max-width:500px}.hero-lead{font-size:16px;margin-bottom:21px}.button{min-height:46px;padding-inline:15px;font-size:13px}.download-row{gap:9px}.updated{margin-top:12px}.section{padding-block:54px}.section h2{font-size:32px}.policy-grid{grid-template-columns:1fr;gap:28px;margin-top:30px;padding-top:25px}.rate-block strong{font-size:76px}.forecast-row{gap:30px}.forecast-row strong{font-size:26px}.risk-note{font-size:14px}.region-inner{gap:25px}.comparison-head,.comparison-row{grid-template-columns:1.35fr .55fr .55fr;gap:8px;padding-inline:9px}.comparison-head{font-size:10px}.comparison-row{min-height:67px}.comparison-row>span{font-size:12px}.comparison-row strong{font-size:20px}.slides{padding-bottom:64px}.slides-heading{display:block;margin-bottom:26px}.slides-heading>p{margin-top:15px}.slide-list{grid-template-columns:1fr;row-gap:28px}.slide-item figcaption{margin-bottom:10px}.footer-inner{display:block;padding-block:30px}.footer-brand p{margin-top:13px}.site-footer address{margin-top:25px;grid-template-columns:1fr 1fr;gap:10px 18px;font-size:12px}.footer-bottom{padding:11px 0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important}}