:root{--parchment: #f5f4ed;--ivory: #faf9f5;--white: #ffffff;--warm-sand: #e8e6dc;--dark-surface: #30302e;--near-black: #141413;--text-primary: #141413;--text-secondary: #5e5d59;--text-tertiary: #87867f;--text-dark-warm: #3d3d3a;--text-on-dark: #faf9f5;--text-on-dark-muted: #b0aea5;--terracotta: #c96442;--coral: #d97757;--error: #b53333;--focus-blue: #3898ec;--border-cream: #f0eee6;--border-warm: #e8e6dc;--border-dark: #30302e;--ring-warm: #d1cfc5;--ring-deep: #c2c0b6;--chart-premium: #87867f;--chart-benchmark: #c96442;--chart-policy: #3d7a5f;--chart-guaranteed: #5b8fb9;--chart-bonus: #c96442;--chart-terminal: #6b9b7a;--font-serif: Georgia, "Iowan Old Style", "Palatino Linotype", "STKaiti", serif;--font-sans: system-ui, -apple-system, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", sans-serif;--font-mono: "SF Mono", "Menlo", "Monaco", monospace;--section-gap: 88px;--card-radius: 8px;--card-radius-lg: 16px;--card-radius-generous: 12px;--card-padding: 28px;--shadow-ring: 0px 0px 0px 1px var(--ring-warm);--shadow-whisper: rgba(0, 0, 0, .05) 0px 4px 24px}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{font-size:16px;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}body{font-family:var(--font-sans);color:var(--text-primary);line-height:1.6;background:var(--parchment);min-height:100vh}.page-container{max-width:1100px;margin:0 auto;padding:48px 40px 96px}.page-section{margin-bottom:var(--section-gap)}.section-dark{background:var(--near-black);color:var(--text-on-dark);margin-left:-40px;margin-right:-40px;padding:56px 40px;border-radius:var(--card-radius-lg)}.section-dark p{color:var(--text-on-dark-muted)}.section-dark h2,.section-dark h3{color:var(--text-on-dark)}h1,h2,h3{font-family:var(--font-serif);font-weight:500;letter-spacing:normal;line-height:1.2;color:var(--text-primary)}h1{font-size:2.3rem;line-height:1.1}h2{font-size:1.6rem;line-height:1.2;margin-bottom:16px}h3{font-size:1.125rem;line-height:1.3;margin-bottom:8px}p{color:var(--text-secondary);line-height:1.6;font-size:1rem}.text-serif{font-family:var(--font-serif)}.eyebrow{font-size:.75rem;font-weight:500;letter-spacing:.5px;text-transform:uppercase;color:var(--text-tertiary);margin-bottom:8px}.section-lead{font-size:1.125rem;font-family:var(--font-serif);color:var(--text-secondary);line-height:1.6;max-width:720px}.body-large{font-size:1.25rem;line-height:1.6;color:var(--text-secondary)}.accent-text{color:var(--terracotta)}.card{background:var(--ivory);border:1px solid var(--border-cream);border-radius:var(--card-radius);padding:var(--card-padding)}.card-elevated{box-shadow:var(--shadow-whisper)}.card-grid{display:grid;gap:16px}.card-grid-2{grid-template-columns:repeat(2,1fr)}.card-grid-3{grid-template-columns:repeat(3,1fr)}.card-grid-4{grid-template-columns:repeat(4,1fr)}.metric-card{background:var(--ivory);border:1px solid var(--border-cream);border-radius:var(--card-radius);padding:20px}.section-dark .metric-card{background:var(--dark-surface);border-color:var(--border-dark)}.metric-kicker{display:block;font-size:.75rem;font-weight:500;letter-spacing:.12px;color:var(--text-tertiary);margin-bottom:6px}.section-dark .metric-kicker{color:var(--text-on-dark-muted)}.metric-value{display:block;font-size:1.6rem;font-family:var(--font-serif);font-weight:500;color:var(--text-primary);line-height:1.2}.section-dark .metric-value{color:var(--text-on-dark)}.metric-detail{display:block;margin-top:6px;color:var(--text-tertiary);font-size:.875rem;line-height:1.5}.section-dark .metric-detail{color:var(--text-on-dark-muted)}.btn{display:inline-flex;align-items:center;gap:6px;border:none;border-radius:var(--card-radius);padding:8px 16px;font:inherit;font-size:.875rem;font-weight:500;cursor:pointer;transition:all .15s ease}.btn-sand{background:var(--warm-sand);color:#4d4c48;box-shadow:var(--shadow-ring)}.btn-sand:hover{box-shadow:0 0 0 1px var(--ring-deep)}.btn-sand.active{background:var(--near-black);color:var(--text-on-dark);box-shadow:none}.btn-terracotta{background:var(--terracotta);color:var(--text-on-dark)}.btn-terracotta:hover{background:var(--coral)}.control-group{margin-bottom:16px}.control-label{font-size:.75rem;font-weight:500;letter-spacing:.12px;color:var(--text-tertiary);margin-bottom:8px}.button-group{display:flex;flex-wrap:wrap;gap:8px}.divider{height:1px;background:var(--border-warm);margin:32px 0}.chart-container{background:var(--ivory);border:1px solid var(--border-cream);border-radius:var(--card-radius-generous);padding:28px;box-shadow:var(--shadow-whisper)}.chart-note{margin-top:12px;font-size:.875rem;color:var(--text-tertiary);line-height:1.5}.legend{display:flex;flex-wrap:wrap;gap:16px;margin-bottom:16px}.legend-item{display:inline-flex;align-items:center;gap:8px;font-size:.875rem;color:var(--text-secondary)}.legend-swatch{width:12px;height:12px;border-radius:3px}.info-block{background:var(--ivory);border:1px solid var(--border-cream);border-radius:var(--card-radius);padding:20px 24px}.info-block-accent{border-left:3px solid var(--terracotta)}.risk-tag{display:inline-flex;align-items:center;gap:6px;padding:4px 12px;border-radius:24px;font-size:.75rem;font-weight:500}.risk-tag-warn{background:#c9644214;color:var(--terracotta)}@media(max-width:768px){.page-container{padding:24px 16px 48px}h1{font-size:1.75rem}h2{font-size:1.3rem}.card-grid-2,.card-grid-3,.card-grid-4{grid-template-columns:1fr}.section-dark{margin-left:-16px;margin-right:-16px;padding:32px 16px;border-radius:var(--card-radius)}}@media print{@page{size:A4;margin:18mm 15mm}body{background:#fff;font-size:10pt;line-height:1.5;-webkit-print-color-adjust:exact;print-color-adjust:exact}.page-container{max-width:none;padding:0}.page-section{page-break-inside:avoid;margin-bottom:24px}.page-break-before{page-break-before:always}.page-break-after{page-break-after:always}.no-print,.interactive-controls,.control-group{display:none!important}.card,.metric-card,.info-block{box-shadow:none;-webkit-backdrop-filter:none;backdrop-filter:none;border:1px solid #ddd}.section-dark{background:#f5f4ed;color:var(--text-primary);margin-left:0;margin-right:0;padding:16px;border:1px solid #ddd;border-radius:var(--card-radius)}.section-dark p,.section-dark .metric-kicker,.section-dark 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