* {
  box-sizing: border-box
}

html {
  scroll-behavior: smooth
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: #142b48;
  background: #fff
}

a {
  color: inherit;
  text-decoration: none
}

button {
  font: inherit
}

p {
  line-height: 1.55;
  margin: 0
}

h1,
h2,
h3,
h4 {
  margin: 0;
  font-weight: 500
}

h1 {
  font-size: clamp(44px, 4.6vw, 72px);
  line-height: 1.04;
  letter-spacing: -.055em;
  max-width: 1050px
}

h2 {
  font-size: 46px;
  line-height: 1.12;
  letter-spacing: -.035em
}

h3 {
  font-size: 28px;
  line-height: 1.2;
  letter-spacing: -.025em
}

h4 {
  font-size: 20px;
  line-height: 1.35
}

.wrap {
  max-width: 1280px;
  margin: auto;
  padding: 0 48px
}

.hero {
  background: radial-gradient(ellipse at 92% 95%, #1261c8 0, transparent 48%), radial-gradient(ellipse at 65% 0, #b9d6f0 0, transparent 50%), linear-gradient(125deg, #eff3f7 10%, #dce7f2 52%, #94b9e3);
  min-height: 760px;
  border-radius: 0 0 32px 32px;
  position: relative;
  overflow: hidden
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 36px;
  gap: 32px
}

.brands {
  display: flex;
  gap: 30px;
  align-items: center
}

.vtb {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 28px;
  letter-spacing: -1px;
  font-weight: 700
}

.vtb small {
  font-size: 12px;
  line-height: 1.15;
  letter-spacing: 0;
  font-weight: 400;
  border-left: 1px solid #738ca4;
  padding-left: 10px
}

.frank {
  font-size: 23px;
  letter-spacing: 1px;
  white-space: nowrap
}

.frank b {
  font-weight: 800
}

.years {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px
}

.years small {
  margin-right: 16px;
  font-size: 13px
}

.years span {
  padding: 10px 15px;
  border: 1px solid #a9b9c9;
  border-radius: 50px;
  opacity: .55
}

.years .active {
  background: #163252;
  color: white;
  opacity: 1;
  border-color: #163252
}

.hero-main {
  padding-top: 106px;
  position: relative;
  z-index: 1
}

.eyebrow {
  font-size: 12px;
  letter-spacing: .13em;
  text-transform: uppercase;
  font-weight: 600;
  display: block;
  margin-bottom: 24px;
  color: #597087
}

.hero h1 {
  max-width: 980px
}

.hero-sub {
  font-size: 25px;
  max-width: 720px;
  margin-top: 30px;
  letter-spacing: -.02em
}

.hero-bottom {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 60px;
  padding-top: 65px;
  padding-bottom: 64px
}

.hero-bottom p {
  max-width: 355px;
  font-size: 16px;
  color: #163252
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  background: #0756c9;
  color: white;
  border: 1px solid transparent;
  border-radius: 8px;
  padding: 20px 24px;
  font-size: 16px;
  line-height: 1.25;
  transition: background .2s
}

.btn:hover {
  background: #03479f
}

.btn svg {
  flex-shrink: 0
}

.ghost {
  background: transparent;
  border-color: #95a9c4;
  color: inherit
}

.ghost:hover {
  background: #e0ebfc
}

.section {
  padding-top: 100px;
  padding-bottom: 100px
}

.goal {
  display: grid;
  grid-template-columns: 1fr 1.45fr;
  gap: 90px;
  border-bottom: 1px solid #dce3ec;
  padding-bottom: 65px
}

.goal p {
  font-size: 26px;
  line-height: 1.4;
  letter-spacing: -.02em
}

.directions-title {
  font-size: 28px;
  margin: 60px 0 30px
}

.directions {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px
}

.direction {
  background: #f0f3f7;
  border-radius: 16px;
  padding: 28px 24px 32px;
  min-height: 300px
}

.icon {
  width: 48px;
  height: 48px;
  color: #0756c9;
  margin-bottom: 42px
}

.direction h4 {
  font-size: 19px;
  margin-bottom: 15px
}

.direction p {
  font-size: 14px;
  color: #53667b
}

.results-head {
  padding: 40px 0 50px;
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 32px
}

.results-head h2 {
  max-width: 650px
}

.muted {
  color: #66798e
}

.results-head p {
  font-size: 14px;
  max-width: 185px
}

.chapter {
  padding: 70px 0 80px;
  border-top: 1px solid #dce3ec
}

.chapter-label {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 38px;
  font-size: 14px;
  color: #60778f
}

.chapter-label span {
  color: #0756c9;
  border: 1px solid #b6c9e1;
  padding: 7px 11px;
  border-radius: 50%
}

.lead {
  display: grid;
  grid-template-columns: .8fr 1.45fr;
  gap: 75px;
  align-items: center;
  margin-bottom: 42px
}

.stat {
  font-size: 124px;
  line-height: .9;
  letter-spacing: -.07em;
  color: #0756c9
}

.stat em {
  font-style: normal;
  font-size: .52em;
  margin-left: 4px
}

.stat-caption {
  font-size: 19px;
  line-height: 1.35;
  margin-top: 20px;
  max-width: 310px
}

.lead-copy h3 {
  margin-bottom: 20px
}

.lead-copy p {
  font-size: 17px;
  color: #4e627a
}

.lead-copy strong {
  color: #142b48;
  font-weight: 600
}

.chart-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px
}

.chart {
  padding: 34px;
  background: #f2f5f8;
  border-radius: 18px;
  min-width: 0
}

.chart h4 {
  margin-bottom: 10px
}

.chart .subtitle {
  font-size: 14px;
  color: #6b7c8e;
  line-height: 1.45;
  margin-bottom: 28px
}

.barrow {
  margin: 17px 0
}

.barlabel {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  font-size: 14px;
  line-height: 1.3;
  margin-bottom: 8px
}

.barlabel b {
  font-size: 16px;
  color: #183d70
}

.track {
  background: #e1e7ee;
  height: 7px;
  border-radius: 2px;
  overflow: hidden
}

.bar {
  background: #2470d3;
  height: 100%;
  border-radius: 2px
}

.barrow.highlight .bar {
  background: #0756c9
}

.source {
  font-size: 12px;
  color: #728295;
  margin-top: 24px
}

.donut {
  width: 220px;
  height: 220px;
  border-radius: 50%;
  background: conic-gradient(#0756c9 0 70%, #8baed9 70% 98%, #cbd6e3 98%);
  position: relative;
  margin: 32px auto
}

.donut:after {
  content: '';
  position: absolute;
  inset: 34px;
  background: #f2f5f8;
  border-radius: 50%
}

.donut-center {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1;
  font-size: 43px;
  letter-spacing: -.04em;
  color: #0756c9
}

.legend {
  display: flex;
  justify-content: space-between;
  border-bottom: 1px solid #dbe2eb;
  padding: 11px 0;
  font-size: 14px;
  gap: 12px
}

.legend i {
  display: inline-block;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  margin-right: 10px
}

.legend b {
  font-size: 16px
}

.compare-head {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 12px;
  font-size: 12px;
  color: #64788f;
  margin-bottom: 16px
}

.comparison {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 12px;
  align-items: center;
  margin: 23px 0;
  font-size: 14px
}

.compare-num {
  display: flex;
  align-items: center;
  gap: 8px
}

.compare-num i {
  height: 10px;
  background: #0756c9;
  min-width: 3px
}

.compare-num:last-child i {
  background: #91afd4
}

.quote {
  margin: 0 0 80px;
  padding: 58px 70px;
  border-radius: 20px;
  background: #eaf1f9;
  display: grid;
  grid-template-columns: 60px 1fr;
  gap: 20px
}

.quote-symbol {
  font-size: 100px;
  line-height: .9;
  color: #0756c9
}

.quote p {
  font-size: 27px;
  line-height: 1.4;
  letter-spacing: -.02em
}

.quote footer {
  font-size: 14px;
  color: #60748a;
  margin-top: 26px
}

.quote footer b {
  color: #1d3c61;
  display: block;
  font-size: 16px;
  margin-bottom: 7px
}

.ai {
  background: #132c4d;
  color: #fff;
  border-radius: 28px;
  padding: 65px 48px;
  margin: 0 -48px 70px
}

.ai .chapter-label,
.ai .lead-copy p {
  color: #b7c8dd
}

.ai .chapter-label span {
  color: #9ebff1;
  border-color: #5b789c
}

.ai .stat {
  color: #8fbcff
}

.ai .lead-copy strong {
  color: #fff
}

.ai .chart {
  background: #203c5e
}

.ai .subtitle,
.ai .source {
  color: #b2c4da
}

.ai .barlabel b {
  color: #c1d8ff
}

.ai .track {
  background: #345170
}

.ai .bar {
  background: #83b4ff
}

.scale {
  display: flex;
  width: 100%;
  height: 54px;
  border-radius: 6px;
  overflow: hidden;
  margin: 16px 0
}

.scale span {
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  color: #fff
}

.scale-label {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-size: 12px;
  color: #a5bdd8
}

.ai-metric {
  font-size: 70px;
  color: #9dc5ff;
  letter-spacing: -.05em;
  margin: 28px 0 8px
}

.innovation {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px
}

.innovation article {
  padding: 32px;
  border: 1px solid #d5e0ed;
  border-radius: 14px
}

.innovation h4 {
  font-size: 21px
}

.innovation .percent {
  font-size: 62px;
  color: #0756c9;
  letter-spacing: -.05em;
  margin: 25px 0 12px
}

.innovation p {
  font-size: 16px;
  color: #5a6c81
}

.deposit-aside {
  background: linear-gradient(135deg, #dceafa, #f0f4f9);
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 48px;
  border-radius: 18px
}

.deposit-aside strong {
  font-size: 92px;
  font-weight: 400;
  letter-spacing: -.06em;
  color: #0756c9
}

.deposit-aside p {
  font-size: 24px;
  margin-top: 20px;
  line-height: 1.35
}

.download {
  background: #112a4b;
  color: white;
  border-radius: 30px 30px 0 0;
  overflow: hidden
}

.download .wrap {
  display: grid;
  grid-template-columns: 1.4fr .8fr;
  gap: 100px;
  padding-top: 80px;
  padding-bottom: 70px
}

.download h2 {
  font-size: 44px;
  margin-bottom: 35px
}

.download .btn {
  margin-bottom: 16px
}

.links {
  display: flex;
  gap: 26px;
  flex-wrap: wrap;
  margin-top: 14px;
  font-size: 14px;
  color: #b9cbe2
}

.links a {
  border-bottom: 1px solid #7891b0;
  padding-bottom: 5px
}

.book {
  background: linear-gradient(135deg, #e9f0f7, #b8cfec 60%, #2972cb);
  min-height: 400px;
  padding: 30px;
  color: #163b70;
  border-radius: 4px 14px 14px 4px;
  border-left: 6px solid #c1d0e2;
  box-shadow: 14px 20px 40px #07172b77;
  transform: rotate(5deg);
  display: flex;
  flex-direction: column;
  justify-content: space-between
}

.book .brands {
  gap: 16px
}

.book .frank {
  font-size: 14px
}

.book .vtb {
  font-size: 18px;
  gap: 5px
}

.book .vtb small {
  font-size: 8px;
  padding-left: 6px
}

.book .vtb svg {
  width: 19px
}

.book .brands {
  gap: 12px
}

.book h3 {
  font-size: 28px
}

.book .year {
  font-size: 70px;
  font-weight: 400;
  letter-spacing: -5px;
  opacity: .75
}

.footer {
  background: #112a4b;
  color: #b7c8dc
}

.footer .wrap {
  display: flex;
  justify-content: space-between;
  border-top: 1px solid #3b526f;
  padding-top: 35px;
  padding-bottom: 40px;
  gap: 30px;
  font-size: 13px;
  line-height: 1.7
}

.footer .frank {
  color: white
}

.footnote {
  font-size: 12px;
  color: #6b7e92;
  margin: 0 0 65px
}

.btn:focus-visible,
a:focus-visible {
  outline: 3px solid #72baff;
  outline-offset: 5px
}

@media(min-width:1600px) {
  .hero-main {
    padding-top: 120px
  }

  .hero {
    min-height: 820px
  }
}

@media(max-width:900px) {
  .wrap {
    padding-left: 26px;
    padding-right: 26px
  }

  .years small {
    display: none
  }

  .brands {
    gap: 18px
  }

  .hero-main {
    padding-top: 80px
  }

  .hero {
    min-height: auto
  }

  .hero-bottom {
    gap: 40px
  }

  .goal {
    gap: 40px
  }

  .directions {
    grid-template-columns: repeat(2, 1fr)
  }

  .lead {
    gap: 35px;
    grid-template-columns: .8fr 1.2fr
  }

  .stat {
    font-size: 100px
  }

  .chart {
    padding: 26px
  }

  .quote {
    padding: 40px 30px
  }

  .quote p {
    font-size: 23px
  }

  .ai {
    margin-left: -26px;
    margin-right: -26px;
    padding: 50px 26px
  }

  .download .wrap {
    gap: 45px
  }

  .download h2 {
    font-size: 36px
  }
}

@media(max-width:600px) {
  .wrap {
    padding-left: 22px;
    padding-right: 22px
  }

  .nav {
    align-items: flex-start;
    flex-direction: column;
    gap: 24px;
    padding-top: 25px
  }

  .vtb {
    font-size: 26px
  }

  .frank {
    font-size: 20px
  }

  .years {
    gap: 6px
  }

  .years span {
    padding: 7px 12px
  }

  .years small {
    display: block;
    font-size: 12px;
    margin-right: 6px
  }

  .hero-main {
    padding-top: 54px
  }

  .eyebrow {
    font-size: 10px;
    line-height: 1.5;
    margin-bottom: 18px
  }

  h1 {
    font-size: 44px
  }

  .hero-sub {
    font-size: 21px;
    margin-top: 26px
  }

  .hero-bottom {
    padding-top: 36px;
    flex-direction: column;
    align-items: stretch;
    gap: 30px;
    padding-bottom: 44px
  }

  .hero-bottom p {
    font-size: 14px;
    max-width: 300px
  }

  .btn {
    font-size: 14px;
    padding: 18px 20px
  }

  .hero {
    border-radius: 0 0 24px 24px
  }

  .section {
    padding-top: 55px;
    padding-bottom: 45px
  }

  .goal {
    grid-template-columns: 1fr;
    gap: 24px;
    padding-bottom: 40px
  }

  h2 {
    font-size: 33px
  }

  .goal p {
    font-size: 21px
  }

  .directions-title {
    font-size: 24px;
    margin-top: 40px
  }

  .directions {
    grid-template-columns: 1fr 1fr;
    gap: 10px
  }

  .direction {
    padding: 22px 16px;
    min-height: 260px
  }

  .direction h4 {
    font-size: 16px
  }

  .direction p {
    font-size: 13px
  }

  .icon {
    margin-bottom: 25px;
    width: 38px;
    height: 38px
  }

  .results-head {
    padding: 20px 0 35px;
    display: block
  }

  .results-head p {
    margin-top: 20px;
    max-width: none
  }

  .chapter {
    padding: 40px 0 50px
  }

  .chapter-label {
    margin-bottom: 32px
  }

  .lead {
    grid-template-columns: 1fr;
    gap: 32px;
    margin-bottom: 30px
  }

  .stat {
    font-size: 100px
  }

  .stat-caption {
    font-size: 18px;
    max-width: 280px;
    margin-top: 16px
  }

  h3 {
    font-size: 25px
  }

  .lead-copy p {
    font-size: 16px
  }

  .chart-grid {
    grid-template-columns: 1fr
  }

  .chart {
    padding: 25px 20px
  }

  .quote {
    padding: 30px 24px;
    grid-template-columns: 1fr;
    gap: 4px;
    margin-bottom: 45px
  }

  .quote-symbol {
    font-size: 72px;
    height: 40px
  }

  .quote p {
    font-size: 22px
  }

  .ai {
    margin: 0 -22px 45px;
    padding: 40px 22px;
    border-radius: 24px
  }

  .innovation {
    grid-template-columns: 1fr
  }

  .innovation article {
    padding: 26px
  }

  .innovation .percent {
    font-size: 56px
  }

  .deposit-aside {
    padding: 32px
  }

  .deposit-aside p {
    font-size: 21px
  }

  .download .wrap {
    grid-template-columns: 1fr;
    gap: 45px;
    padding-top: 50px;
    padding-bottom: 50px
  }

  .download h2 {
    font-size: 34px
  }

  .book {
    max-width: 280px;
    min-height: 350px;
    margin: 0 auto;
    width: 100%;
    transform: rotate(3deg)
  }

  .book h3 {
    font-size: 25px
  }

  .footer .wrap {
    flex-direction: column;
    gap: 20px
  }

  .footnote {
    margin-bottom: 40px
  }

  .comparison {
    font-size: 12px;
    gap: 7px
  }

  .compare-head {
    font-size: 11px;
    gap: 7px
  }

  .barlabel {
    font-size: 13px
  }
}

@media(prefers-reduced-motion:reduce) {
  html {
    scroll-behavior: auto
  }
}

@font-face {
  font-family: "VTB Group";
  src: url("../fonts/vtb-1-68b6eda2f0a7.woff") format("woff");
  font-weight: 400;
  font-style: normal;
  font-display: swap
}

@font-face {
  font-family: "VTB Group";
  src: url("../fonts/vtb-2-1dc963f422b8.woff") format("woff");
  font-weight: 600;
  font-style: normal;
  font-display: swap
}

@font-face {
  font-family: "VTB Group";
  src: url("../fonts/vtb-3-9cfbaa15fc9b.woff") format("woff");
  font-weight: 700;
  font-style: normal;
  font-display: swap
}

@font-face {
  font-family: "VTB Group Cond";
  src: url("../fonts/vtb-4-840cea9d0b47.woff") format("woff");
  font-weight: 300;
  font-style: normal;
  font-display: swap
}

@font-face {
  font-family: "VTB Group Cond";
  src: url("../fonts/vtb-5-8827d434ce83.woff") format("woff");
  font-weight: 400;
  font-style: normal;
  font-display: swap
}

@font-face {
  font-family: "VTB Group Cond";
  src: url("../fonts/vtb-6-d17f14de4564.woff") format("woff");
  font-weight: 600;
  font-style: normal;
  font-display: swap
}

body {
  font-family: "VTB Group", Arial, sans-serif
}

h1,
h2,
h3,
.stat,
.percent,
.ai-metric,
.deposit-aside strong,
.book .year,
.donut-center {
  font-family: "VTB Group Cond", "VTB Group", sans-serif
}

h1,
h2,
h3 {
  font-weight: 400;
  letter-spacing: -.015em
}

h1 {
  font-size: clamp(48px, 5.2vw, 80px);
  line-height: 1.02;
  max-width: 980px
}

h2 {
  font-size: 50px
}

h3 {
  font-size: 31px
}

.stat {
  font-weight: 300;
  font-size: 140px;
  letter-spacing: -.035em
}

.hero-sub {
  letter-spacing: 0
}

.percent,
.deposit-aside strong,
.donut-center {
  letter-spacing: -.015em
}

.frank,
.vtb {
  font-family: Arial, Helvetica, sans-serif
}

.book h3 {
  font-size: 31px
}

.book .year {
  letter-spacing: -.02em
}

.quote p {
  letter-spacing: 0
}

.direction h4 {
  font-weight: 600
}

.barlabel {
  font-size: 15px
}

.chart h4 {
  font-weight: 600
}

.download h2 {
  font-size: 49px
}

@media(max-width:900px) {
  .stat {
    font-size: 114px
  }

  .download h2 {
    font-size: 41px
  }
}

@media(max-width:600px) {
  h1 {
    font-size: 49px
  }

  h2 {
    font-size: 37px
  }

  h3 {
    font-size: 28px
  }

  .stat {
    font-size: 114px
  }

  .barlabel {
    font-size: 14px
  }

  .download h2 {
    font-size: 39px
  }

  .book h3 {
    font-size: 29px
  }

  .direction h4 {
    font-size: 17px
  }
}

/* Content width: 1536 minus two 48px gutters = 1440px. */
.wrap {
  max-width: 1536px
}

.hero {
  min-height: 840px
}

.hero-main {
  padding-top: 142px
}

.hero h1 {
  max-width: none;
  font-size: clamp(49px, 5.2vw, 80px);
  line-height: 1.05
}

.hero-sub {
  max-width: none;
  margin-top: 30px
}

.hero-bottom {
  padding-top: 125px;
  padding-bottom: 110px;
  align-items: center
}

.hero-bottom p {
  max-width: 400px
}

.hero-bottom .btn svg {
  transform: rotate(-90deg)
}

@media(min-width:1600px) {
  .hero {
    min-height: 900px
  }

  .hero-main {
    padding-top: 155px
  }
}

@media(max-width:1100px) {
  .hero-main {
    padding-top: 100px
  }

  .hero {
    min-height: auto
  }

  .hero h1 {
    font-size: 64px
  }

  .hero-bottom {
    padding-top: 90px;
    padding-bottom: 75px
  }
}

@media(max-width:900px) {
  .hero h1 {
    font-size: 56px
  }

  .hero-bottom {
    gap: 40px
  }

  .hero-bottom p {
    max-width: 320px
  }

  .hero-sub {
    font-size: 23px
  }
}

@media(max-width:600px) {
  .hero-main {
    padding-top: 54px
  }

  .hero h1 {
    font-size: 49px;
    line-height: 1.04
  }

  .hero-title-break {
    display: none
  }

  .hero-sub {
    font-size: 21px;
    max-width: 100%;
    margin-top: 26px
  }

  .hero-bottom {
    padding-top: 36px;
    padding-bottom: 44px;
    align-items: stretch;
    gap: 30px
  }

  .hero-bottom p {
    max-width: 320px
  }
}

.donut {
  background: none
}

.donut:after {
  display: none
}

.donut>svg {
  display: block;
  width: 100%;
  height: 100%
}

/* Client review 10 September: typography, year and blue accents */
.hero-main {
  padding-top: 85px
}

.hero-heading-meta {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 32px;
  margin-bottom: 22px
}

.hero-heading-meta .eyebrow {
  font-size: 15px;
  margin: 0
}

.hero-year {
  font-family: "VTB Group Cond", "VTB Group", sans-serif;
  font-size: 110px;
  font-weight: 600;
  line-height: 1;
  color: #0756c9;
  letter-spacing: -.025em
}

.hero-bottom {
  padding-top: 95px
}

.hero-bottom .btn {
  font-size: 20px;
  padding: 23px 28px
}

.hero-bottom p {
  font-size: 20px;
  max-width: 455px;
  line-height: 1.5
}

.years span {
  border-radius: 8px;
  font-size: 16px;
  padding: 12px 17px
}

.years small {
  font-size: 16px
}

.brands {
  flex-shrink: 0
}

.vtb {
  white-space: nowrap;
  flex-shrink: 0;
  overflow: visible;
  line-height: 1.2
}

.vtb>svg {
  flex-shrink: 0;
  overflow: visible
}

.vtb small {
  flex-shrink: 0
}

.direction {
  min-height: 335px;
  padding: 30px 24px
}

.direction h4 {
  font-size: 22px
}

.direction p {
  font-size: 18px;
  line-height: 1.5
}

.results-head p {
  font-size: 18px;
  max-width: 235px
}

.stat {
  font-weight: 600
}

.lead-copy h3 {
  color: #0756c9;
  font-weight: 600
}

.ai .lead-copy h3 {
  color: #9dc5ff
}

.lead-copy p {
  font-size: 20px
}

.stat-caption {
  font-size: 22px
}

.chart h4 {
  font-size: 23px
}

.chart .subtitle {
  font-size: 16px
}

.barlabel,
.comparison,
.legend {
  font-size: 16px
}

.compare-head {
  font-size: 14px
}

.source {
  font-size: 14px
}

.chart {
  padding: 36px
}

.chapter-label {
  font-size: 16px
}

.icon {
  width: 52px;
  height: 52px
}

.donut-center {
  font-weight: 600
}

.innovation .percent,
.deposit-aside strong {
  font-weight: 600
}

@media(min-width:1600px) {
  .hero-main {
    padding-top: 90px
  }
}

@media(max-width:1100px) {
  .hero-main {
    padding-top: 65px
  }

  .hero-bottom {
    padding-top: 65px
  }

  .hero-bottom p {
    max-width: 390px
  }

  .years small {
    font-size: 14px
  }

  .direction {
    padding: 24px 20px
  }
}

@media(max-width:900px) {
  .nav {
    flex-wrap: wrap
  }

  .hero-year {
    font-size: 92px
  }

  .hero-bottom .btn {
    font-size: 18px
  }

  .hero-bottom p {
    font-size: 18px;
    max-width: 340px
  }

  .direction {
    min-height: 320px
  }

  .lead-copy p {
    font-size: 18px
  }

  .chart {
    padding: 28px
  }

  .comparison {
    font-size: 14px
  }

  .stat-caption {
    font-size: 20px
  }
}

@media(max-width:600px) {
  .hero-main {
    padding-top: 40px
  }

  .hero-heading-meta {
    gap: 16px;
    margin-bottom: 26px
  }

  .hero-heading-meta .eyebrow {
    font-size: 12px;
    max-width: 160px
  }

  .hero-year {
    font-size: 76px
  }

  .hero-bottom {
    padding-top: 36px;
    padding-bottom: 44px
  }

  .hero-bottom p {
    font-size: 18px;
    max-width: none
  }

  .hero-bottom .btn {
    font-size: 18px;
    padding: 20px
  }

  .years span {
    font-size: 14px
  }

  .years small {
    font-size: 12px
  }

  .directions {
    grid-template-columns: 1fr
  }

  .direction {
    min-height: 0;
    padding: 28px
  }

  .direction h4 {
    font-size: 22px
  }

  .direction p {
    font-size: 18px
  }

  .direction .icon {
    margin-bottom: 24px
  }

  .results-head p {
    font-size: 17px;
    max-width: none
  }

  .lead-copy p {
    font-size: 18px
  }

  .chart {
    padding: 26px 20px
  }

  .chart h4 {
    font-size: 21px
  }

  .barlabel,
  .legend {
    font-size: 15px
  }

  .comparison {
    font-size: 13px
  }

  .compare-head {
    font-size: 12px
  }

  .chart .subtitle {
    font-size: 15px
  }

  .source {
    font-size: 13px
  }
}

/* Oversized year echoes the original Frank RG composition. */
.hero {
  isolation: isolate
}

.hero>.wrap {
  position: relative;
  z-index: 1
}

.hero-year-art {
  position: absolute;
  z-index: 0;
  left: -2%;
  bottom: -4%;
  width: 104%;
  height: auto;
  color: #fff;
  opacity: .38;
  pointer-events: none
}

.hero-main {
  padding-top: 145px
}

.hero-heading-meta {
  display: block;
  margin-bottom: 30px
}

.hero-bottom {
  padding-top: 120px;
  padding-bottom: 110px
}

.hero-heading-meta .eyebrow {
  max-width: none
}

@media(min-width:1600px) {
  .hero-main {
    padding-top: 155px
  }
}

@media(max-width:1100px) {
  .hero-main {
    padding-top: 100px
  }

  .hero-bottom {
    padding-top: 85px;
    padding-bottom: 80px
  }

  .hero-year-art {
    width: 115%;
    left: -7.5%;
    bottom: -2%
  }
}

@media(max-width:600px) {
  .hero-main {
    padding-top: 60px
  }

  .hero-heading-meta {
    margin-bottom: 22px
  }

  .hero-heading-meta .eyebrow {
    font-size: 12px
  }

  .hero-bottom {
    padding-top: 42px;
    padding-bottom: 64px
  }

  .hero-year-art {
    width: 145%;
    left: -22.5%;
    bottom: 0;
    opacity: .3
  }
}

/* Maintain the approved wide-screen year composition at each hero size. */
.hero-year-art {
  left: -2%;
  bottom: -4%;
  width: 104%;
  height: 112%;
  max-width: none
}

@media(max-width:1100px) {
  .hero-year-art {
    left: -2%;
    bottom: -4%;
    width: 104%;
    height: 112%
  }
}

@media(max-width:600px) {
  .hero-year-art {
    left: -22.5%;
    bottom: 0;
    width: 145%;
    height: auto;
    opacity: .3
  }
}

/* Research directions: distinct list items and aligned heading rows. */
.direction {
  display: flex;
  flex-direction: column
}

.direction>.icon {
  flex-shrink: 0
}

.direction h4 {
  min-height: 60px;
  margin-bottom: 12px
}

.direction-topics {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
  font-size: 18px;
  line-height: 1.5;
  color: #53667b
}

.direction-topics li {
  position: relative;
  padding-left: 14px
}

.direction-topics li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .6em;
  width: 5px;
  height: 5px;
  background: #0756c9;
  border-radius: 50%
}

@media(max-width:600px) {
  .direction h4 {
    min-height: 0;
    margin-bottom: 12px
  }

  .direction-topics {
    font-size: 18px;
    gap: 10px
  }
}

/* Stage 1: labels connected directly to the original experience sectors. */
.experience-chart {
  display: block;
  width: 100%;
  height: auto;
  max-width: 660px;
  margin: 24px auto 0;
  overflow: visible
}

@media(max-width:600px) {
  .experience-chart {
    margin-top: 18px
  }

  .experience-chart>g[font-size="18"] {
    font-size: 21px
  }
}

/* Stage 2: source officiality scale follows the supplied report reference. */
.source-officiality-layout {
  display: grid;
  grid-template-columns: 54px minmax(0, 1fr);
  gap: 14px;
  align-items: stretch
}

.source-officiality-axis {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: space-between;
  min-height: 330px;
  font-size: 14px;
  line-height: 1.2;
  padding: 3px 0
}

.source-axis-max {
  color: #0756c9
}

.source-axis-min {
  color: #18365e
}

.source-axis-caption {
  writing-mode: vertical-rl;
  transform: rotate(180deg);
  color: #53667b;
  white-space: nowrap;
  align-self: flex-start;
  margin: 16px 0
}

.source-axis-line {
  position: absolute;
  right: 4px;
  top: 32px;
  bottom: 32px;
  width: 2px;
  background: linear-gradient(#0756c9 0%, #526d91 52%, #18365e 100%)
}

.source-axis-line::before,
.source-axis-line::after {
  content: "";
  position: absolute;
  left: -4px;
  width: 0;
  height: 0;
  border-left: 5px solid transparent;
  border-right: 5px solid transparent
}

.source-axis-line::before {
  top: -7px;
  border-bottom: 10px solid #0756c9
}

.source-axis-line::after {
  bottom: -7px;
  border-top: 10px solid #18365e
}

.source-officiality-bars {
  min-width: 0
}

.source-officiality-bars .barrow:first-child {
  margin-top: 0
}

.source-officiality-bars .barrow:last-child {
  margin-bottom: 0
}

.source-officiality-bars .barrow:nth-child(-n+2) .bar {
  background: #0756c9
}

.source-officiality-bars .barrow:nth-child(n+3):nth-child(-n+5) .bar {
  background: #526d91
}

.source-officiality-bars .barrow:nth-child(n+6) .bar {
  background: #18365e
}

@media(max-width:600px) {
  .source-officiality-layout {
    grid-template-columns: 44px minmax(0, 1fr);
    gap: 10px
  }

  .source-officiality-axis {
    font-size: 13px
  }

  .source-axis-line {
    right: 1px
  }
}

/* Stage 3: extend arrow to the final bar and revise the AI chart formats. */
.source-axis-line {
  bottom: 7px
}

.ai-use-layout {
  display: grid;
  grid-template-columns: minmax(150px, 220px) minmax(0, 1fr);
  align-items: center;
  gap: 24px;
  margin-top: 12px
}

.ai-use-donut {
  display: block;
  width: 100%;
  height: auto
}

.ai-chart-legend {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 12px;
  font-size: 15px;
  line-height: 1.35
}

.ai-chart-legend li {
  display: grid;
  grid-template-columns: 10px minmax(0, 1fr) auto;
  align-items: baseline;
  gap: 10px
}

.ai-chart-legend i {
  display: block;
  width: 9px;
  height: 9px;
  border-radius: 2px
}

.ai-chart-legend b {
  font-weight: 600;
  white-space: nowrap;
  color: #e4efff
}

.ai-unreported-note {
  display: flex;
  align-items: center;
  gap: 9px;
  color: #b2c4da;
  font-size: 13px;
  margin-top: 14px;
  line-height: 1.45
}

.ai-unreported-swatch {
  background: repeating-linear-gradient(135deg, #344b65 0px, #344b65 4px, #9daab8 4px, #9daab8 5px)
}

.ai-unreported-note i {
  display: block;
  flex: 0 0 12px;
  height: 12px;
  border-radius: 2px
}

.ai-awareness-title {
  margin-top: 36px
}

.ai-awareness-bar {
  display: flex;
  height: 48px;
  border-radius: 6px;
  overflow: hidden;
  margin: 22px 0;
  font-size: 15px;
  line-height: 1
}

.ai-awareness-bar span {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-sizing: border-box
}

.ai .ai-refusal .bar {
  background: #9aa7b5
}

.ai .ai-refusal .barlabel b {
  color: #d0d7df
}

@media(min-width:601px) and (max-width:1200px) {
  .ai-use-layout {
    grid-template-columns: 1fr
  }

  .ai-use-donut {
    max-width: 210px;
    margin: auto
  }
}

@media(max-width:600px) {
  .ai-use-layout {
    grid-template-columns: 1fr;
    gap: 20px
  }

  .ai-use-donut {
    max-width: 220px;
    margin: auto
  }

  .ai-awareness-bar {
    font-size: 12px
  }

  .ai-chart-legend {
    font-size: 14px
  }
}

/* Stage 5: review notes — the 26% metric is tied to the five transfer ranges, as in the source report. */
.innovation article {
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  min-height: 210px
}

.innovation article p {
  margin-top: auto
}

.ai .ai-refusal .bar {
  background: #8f9cab
}

.ai .ai-refusal .barlabel span,
.ai .ai-refusal .barlabel b {
  color: #d7e0e9
}

.capital-refusal .bar {
  background: #7d8b9b
}

.capital-refusal .barlabel span {
  color: #596b7f
}

.capital-refusal .barlabel b {
  color: #596b7f
}

.capital-chapter .lead {
  margin-bottom: 42px
}

.capital-chapter .chart-grid {
  overflow: visible;
  grid-template-columns: minmax(340px, .9fr) minmax(0, 1.1fr);
  gap: 28px;
  align-items: stretch;
}

.capital-chart {
  position: relative;
  overflow: visible
}

.capital-ready-group {
  position: relative
}

.capital-brace {
  position: absolute;
  left: -60px;
  top: 0;
  width: 52px;
  height: 100%;
  overflow: visible;
  color: #9eb1c6;
  pointer-events: none
}

.capital-brace path {
  vector-effect: non-scaling-stroke
}

.download .links {
  gap: 12px;
  margin-top: 0
}

.download .links a {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 13px 16px;
  border: 1px solid #5c7594;
  border-radius: 8px;
  background: #173456;
  color: #fff;
  font-size: 14px;
  line-height: 1.25;
  transition: background .2s, border-color .2s;
  min-height: 46px
}

.download .links a:hover {
  background: #203f64;
  border-color: #7f9abd
}

@media(max-width:600px) {
  .capital-brace {
    display: none
  }

  .capital-ready-group {
    border-left: 1.5px solid #9eb1c6;
    padding-left: 14px
  }

  .download .links {
    flex-direction: column;
    align-items: stretch
  }

  .download .links a {
    width: 100%
  }
}


.brand-logo {
  display: inline-flex;
  align-items: center;
  line-height: 0;
  color: inherit
}

.brand-logo svg {
  display: block;
  max-width: none
}

.brand-logo svg path,
.brand-logo svg rect {
  fill: currentColor !important
}

.brand-logo svg [style*="fill:"] {
  fill: currentColor !important
}

.nav .brands {
  gap: 24px
}

.nav .vtb.brand-logo svg {
  height: 25px;
  width: auto
}

.nav .frank.brand-logo svg {
  height: 18px;
  width: auto
}

.book .vtb.brand-logo svg {
  height: 17px;
  width: auto
}

.book .frank.brand-logo svg {
  height: 13px;
  width: auto
}

.footer .frank.brand-logo svg {
  height: 20px;
  width: auto
}

.capital-answer-other .bar {
  background: #8fa3ba
}

.capital-answer-other .barlabel span {
  color: #5a6c81
}

.capital-answer-hard .bar {
  background: #b6c2d0
}

.capital-answer-hard .barlabel span {
  color: #6d7f93
}

/* stage 7: exact supplied logos + typography fixes */
.brand-logo {
  display: inline-flex;
  align-items: center;
  line-height: 0;
  color: inherit;
  flex: 0 0 auto
}

.brand-logo svg {
  display: block;
  max-width: none;
  width: auto !important
}

.brand-logo svg path,
.brand-logo svg rect {
  fill: currentColor !important
}

.brand-logo svg [style*="fill:"] {
  fill: currentColor !important
}

@media(min-width:901px) {
  .nav {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    align-items: center
  }

  .nav:before {
    content: "";
    grid-column: 1
  }

  .nav .brands {
    grid-column: 2;
    justify-self: center;
    gap: 42px
  }

  .nav .years {
    grid-column: 3;
    justify-self: end
  }

  .nav .vtb.brand-logo svg {
    height: 32px !important
  }

  .nav .frank.brand-logo svg {
    height: 27px !important
  }
}

.book .brands {
  gap: 20px
}

.book .vtb.brand-logo svg {
  height: 18px !important
}

.book .frank.brand-logo svg {
  height: 15px !important
}

.footer .frank.brand-logo svg {
  height: 20px !important
}

.hero .btn svg,
.download .btn svg {
  transform: none !important
}

@media(max-width:900px) {
  .nav {
    display: flex
  }

  .nav .brands {
    gap: 24px
  }

  .nav .vtb.brand-logo svg {
    height: 27px !important
  }

  .nav .frank.brand-logo svg {
    height: 23px !important
  }
}

/* stage 8: logo alignment + color fixes */
.brand-logo,
.vtb.brand-logo,
.frank.brand-logo {
  font-size: 0 !important;
  line-height: 0 !important;
  letter-spacing: 0 !important;
  font-weight: 400 !important;
  color: inherit;
  gap: 0 !important;
  opacity: 1 !important
}

.brand-logo svg,
.brand-logo svg * {
  opacity: 1 !important
}

.nav .brands .brand-logo {
  color: #163252 !important
}

.book .brands .brand-logo {
  color: #163b70 !important
}

.footer .brand-logo {
  color: #ffffff !important
}

@media (min-width:901px) {
  .nav {
    position: relative;
    display: flex !important;
    justify-content: flex-end;
    align-items: center
  }

  .nav:before {
    display: none !important
  }

  .nav .brands {
    position: absolute;
    left: 50%;
    transform: translateX(-50%);
    justify-content: center;
    align-items: center;
    gap: 30px !important;
    grid-column: auto !important;
    justify-self: auto !important
  }

  .nav .years {
    margin-left: auto;
    grid-column: auto !important;
    justify-self: auto !important
  }

  .nav .vtb.brand-logo svg {
    height: 38px !important;
    width: auto !important
  }

  .nav .frank.brand-logo svg {
    height: 30px !important;
    width: auto !important
  }
}

.book .brands {
  align-items: center;
  gap: 16px !important
}

.book .vtb.brand-logo svg {
  height: 24px !important;
  width: auto !important
}

.book .frank.brand-logo svg {
  height: 18px !important;
  width: auto !important
}

.footer .frank.brand-logo svg {
  height: 24px !important;
  width: auto !important
}

.hero .btn svg,
.download .btn svg {
  transform: none !important;
  rotate: 0deg !important
}

/* stage 9: header logos left as in Figma */
.nav .brands .brand-logo,
.nav .brands .vtb.brand-logo,
.nav .brands .frank.brand-logo {
  color: #163252 !important;
  opacity: 1 !important;
}

.nav .brands svg,
.nav .brands svg * {
  opacity: 1 !important;
}

@media (min-width:901px) {
  .nav {
    display: flex !important;
    justify-content: space-between !important;
    align-items: center !important;
    gap: 32px !important;
  }

  .nav:before {
    display: none !important;
    content: none !important;
  }

  .nav .brands {
    position: static !important;
    left: auto !important;
    transform: none !important;
    grid-column: auto !important;
    justify-self: auto !important;
    margin-right: auto !important;
    display: flex !important;
    align-items: center !important;
    justify-content: flex-start !important;
    gap: 28px !important;
    flex: 0 0 auto !important;
  }

  .nav .years {
    grid-column: auto !important;
    justify-self: auto !important;
    margin-left: auto !important;
    flex: 0 0 auto !important;
  }

  .nav .vtb.brand-logo svg {
    height: 30px !important;
    width: auto !important;
  }

  .nav .frank.brand-logo svg {
    height: 22px !important;
    width: auto !important;
  }
}

@media (max-width:900px) {
  .nav {
    display: flex !important;
    align-items: flex-start !important;
  }

  .nav .brands {
    position: static !important;
    transform: none !important;
    gap: 20px !important;
    justify-content: flex-start !important;
  }

  .nav .vtb.brand-logo svg {
    height: 26px !important;
    width: auto !important;
  }

  .nav .frank.brand-logo svg {
    height: 20px !important;
    width: auto !important;
  }
}

/* stage 10: fix VTB logo coloring (keep mask white, color only visible paths) */
.brand-logo svg mask path {
  fill: #ffffff !important;
}

.nav .vtb.brand-logo svg>g>g>path,
.nav .vtb.brand-logo svg>path {
  fill: #163252 !important;
}

.book .vtb.brand-logo svg>g>g>path,
.book .vtb.brand-logo svg>path {
  fill: #163b70 !important;
}

.nav .frank.brand-logo svg path {
  fill: #163252 !important;
}

.book .frank.brand-logo svg path {
  fill: #163b70 !important;
}

.footer .frank.brand-logo svg path {
  fill: #ffffff !important;
}

/* stage 12: move the 7%/8% answer labels to the AI section; restore capital ranges */
.ai-answer-no-swatch {
  display: block;
  flex: 0 0 12px;
  height: 12px;
  border-radius: 2px;
  background: #667f9f;
}

.ai-answer-hard-swatch {
  display: block;
  flex: 0 0 12px;
  height: 12px;
  border-radius: 2px;
  background: #7189a7;
}

.ai-answer-hard-segment {
  background: #7189a7 !important;
  color: #fff !important;
}

/* stage 13: AI intro facts in three lines */
.ai .lead-copy .ai-facts {
  display: flex;
  flex-direction: column;
  gap: 7px;
  line-height: 1.45;
}

.ai .lead-copy .ai-facts span {
  display: block;
}

.capital-chapter .chart-grid {
  grid-template-columns: minmax(0, 1.06fr) minmax(0, .94fr);
  gap: 34px;
  align-items: stretch
}

.capital-chapter .deposit-aside {
  padding: 40px 38px;
  min-height: 392px
}

.capital-chapter .deposit-aside p {
  font-size: 21px;
  line-height: 1.38;
  max-width: 470px
}

.capital-ready-group {
  position: relative;
  padding-left: 22px;
  padding-bottom: 6px
}

.capital-brace {
  left: -32px;
  top: 12px;
  width: 46px;
  height: calc(100% - 20px)
}

.ai-use-layout {
  display: grid;
  grid-template-columns: minmax(150px, 220px) minmax(0, 1fr);
  align-items: center;
  gap: 24px;
  margin-top: 12px
}

.ai-use-donut-wrap {
  position: relative;
  width: 100%;
  max-width: 220px;
  margin: 0 auto
}

.ai-use-donut {
  display: block;
  width: 100%;
  height: auto
}

.ai-use-center {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  pointer-events: none;
  text-align: center;
  z-index: 2
}

.ai-use-center b {
  font-size: 40px;
  line-height: 1;
  color: #dce9fb;
  font-weight: 600;
  letter-spacing: -.05em
}

.ai-use-center span {
  font-size: 14px;
  line-height: 1.25;
  color: #b7c8dd;
  margin-top: 8px
}

.links a {
  display: inline-flex;
  align-items: center;
  gap: 8px
}

.links a svg {
  width: 13px;
  height: 13px;
  flex: 0 0 13px;
  stroke: currentColor;
  transform: translateY(.5px)
}

@media(max-width:900px) {
  .capital-chapter .chart-grid {
    grid-template-columns: 1fr;
    gap: 20px
  }

  .capital-brace {
    display: none
  }

  .capital-ready-group {
    padding-left: 0
  }
}

/* stage 20 */
.ai-use-center span {
  margin-top: 2px !important;
}

.ai-chart-legend .answer-alt i {
  border-radius: 2px;
}

/* stage 27 — soften the infographic card and remove extra dividers */
.capital-chapter .chart-grid {
  display: grid !important;
  grid-template-columns: minmax(250px, .68fr) minmax(0, 1.32fr) !important;
  gap: 0 !important;
  align-items: stretch !important;
  background: #f2f5f8;
  border-radius: 18px;
  overflow: hidden !important;
}

.capital-chapter .deposit-aside {
  background: transparent !important;
  border-radius: 0 !important;
  padding: 44px 30px 40px 34px !important;
  min-height: 0 !important;
  justify-content: center !important;
  position: relative;
}

.capital-chapter .deposit-aside:after {
  display: none !important;
  content: none !important;
}

.capital-chapter .deposit-aside .eyebrow {
  margin-bottom: 14px !important;
  color: #60778f !important;
  letter-spacing: .12em !important;
}

.capital-chapter .deposit-aside strong {
  font-size: 82px !important;
  line-height: .95 !important;
  margin: 0 !important;
}

.capital-chapter .deposit-aside p {
  font-size: 18px !important;
  line-height: 1.42 !important;
  max-width: 29ch;
  margin-top: 18px !important;
}

.capital-chapter .capital-chart {
  background: transparent !important;
  border-radius: 0 !important;
  padding: 36px 34px 32px 46px !important;
  margin-left: 22px !important;
  overflow: visible !important;
}

.capital-chapter .capital-chart h4 {
  font-size: 20px;
}

.capital-chapter .capital-chart .subtitle {
  margin-bottom: 24px;
}

.capital-chapter .capital-ready-group {
  position: relative;
  padding-left: 16px;
}

.capital-chapter .capital-brace {
  left: -20px !important;
  top: 5px !important;
  width: 24px !important;
  height: calc(100% - 10px) !important;
  color: #a9bacc !important;
}

.capital-chapter .capital-ready-group .barrow+.barrow {
  margin-top: 15px;
}

.capital-chapter .capital-refusal {
  margin-top: 20px !important;
  padding-top: 0 !important;
  border-top: none !important;
}

.capital-chapter .capital-refusal .barlabel {
  margin-bottom: 8px;
}

.capital-chapter .source {
  margin-top: 18px;
}

@media(max-width:900px) {
  .capital-chapter .chart-grid {
    grid-template-columns: 1fr !important;
  }

  .capital-chapter .capital-chart {
    padding: 28px 26px !important;
  }
}


/* stage 32 — restore capital infographic block from stage 17 */
.capital-chapter .chart-grid {
  display: grid !important;
  grid-template-columns: 1fr 1fr !important;
  gap: 20px !important;
  align-items: stretch !important;
  background: transparent !important;
  border-radius: 0 !important;
  overflow: visible !important;
}

.capital-chapter .deposit-aside {
  background: linear-gradient(135deg, #dceafa, #f0f4f9) !important;
  display: flex !important;
  flex-direction: column !important;
  justify-content: center !important;
  padding: 48px !important;
  border-radius: 18px !important;
  min-height: 0 !important;
  max-width: none !important;
  align-self: stretch !important;
  position: relative !important;
}

.capital-chapter .deposit-aside:after {
  display: none !important;
  content: none !important;
}

.capital-chapter .deposit-aside .eyebrow {
  font-size: 12px !important;
  letter-spacing: .13em !important;
  text-transform: uppercase !important;
  font-weight: 600 !important;
  display: block !important;
  margin-bottom: 24px !important;
  color: #597087 !important;
}

.capital-chapter .deposit-aside strong {
  font-size: 92px !important;
  font-weight: 400 !important;
  letter-spacing: -.06em !important;
  line-height: 1 !important;
  color: #0756c9 !important;
  margin: 0 !important;
}

.capital-chapter .deposit-aside p {
  font-size: 24px !important;
  line-height: 1.35 !important;
  margin-top: 20px !important;
  max-width: none !important;
}

.capital-chapter .capital-chart {
  padding: 34px !important;
  margin-left: 0 !important;
  background: #f2f5f8 !important;
  border-radius: 18px !important;
  min-width: 0 !important;
  overflow: visible !important;
}

.capital-chapter .capital-chart h4 {
  font-size: 20px !important;
  margin-bottom: 10px !important;
}

.capital-chapter .capital-chart .subtitle {
  font-size: 14px !important;
  color: #6b7c8e !important;
  line-height: 1.45 !important;
  margin-bottom: 28px !important;
}

.capital-chapter .capital-ready-group {
  position: relative !important;
  padding-left: 0 !important;
  padding-bottom: 0 !important;
}

.capital-chapter .capital-ready-group .barrow,
.capital-chapter .capital-ready-group .barrow+.barrow {
  margin: 17px 0 !important;
}

.capital-chapter .capital-brace {
  position: absolute !important;
  left: -60px !important;
  top: 0 !important;
  width: 52px !important;
  height: 100% !important;
  overflow: visible !important;
  color: #9eb1c6 !important;
  pointer-events: none !important;
}

.capital-chapter .capital-brace path {
  vector-effect: non-scaling-stroke !important;
}

.capital-chapter .capital-refusal {
  margin: 17px 0 !important;
  padding-top: 0 !important;
  border-top: none !important;
}

.capital-chapter .capital-refusal .barlabel {
  margin-bottom: 8px !important;
}

.capital-chapter .source {
  margin-top: 24px !important;
}

@media(max-width:900px) {
  .capital-chapter .chart-grid {
    grid-template-columns: 1fr !important;
    gap: 20px !important;
  }

  .capital-chapter .deposit-aside {
    padding: 32px !important;
  }

  .capital-chapter .deposit-aside p {
    font-size: 21px !important;
  }

  .capital-chapter .capital-chart {
    padding: 25px 20px !important;
  }
}

@media(max-width:600px) {
  .capital-chapter .capital-brace {
    display: none !important;
  }

  .capital-chapter .capital-ready-group {
    border-left: 1.5px solid #9eb1c6 !important;
    padding-left: 14px !important;
  }
}

/* Stage 33 — sync with approved Figma 2025 (node 83:76, 2026-10-15) */
main>.section.wrap {
  padding-bottom: 100.40625px
}

.ai .chart-grid {
  min-height: 739.40625px
}

.ai+.chapter {
  padding-bottom: 80.8125px
}

.footnote {
  line-height: 19px
}

/* Modal checkbox: explicit unchecked appearance across browsers */
.inquiry-dialog .inquiry-consent input[type="checkbox"] {
  appearance: none !important;
  -webkit-appearance: none !important;
  display: block !important;
  box-sizing: border-box !important;
  width: 18px !important;
  height: 18px !important;
  min-width: 18px !important;
  min-height: 18px !important;
  padding: 0 !important;
  margin: 1px 0 0 !important;
  border: 1.5px solid #7388a1 !important;
  border-radius: 3px !important;
  background: #fff !important;
  box-shadow: none !important;
  position: relative;
  cursor: pointer
}

.inquiry-dialog .inquiry-consent input[type="checkbox"]:checked {
  background: #0756c9 !important;
  border-color: #0756c9 !important
}

.inquiry-dialog .inquiry-consent input[type="checkbox"]:checked::after {
  content: "";
  position: absolute;
  left: 5px;
  top: 1px;
  width: 5px;
  height: 10px;
  border: solid white;
  border-width: 0 2px 2px 0;
  transform: rotate(45deg)
}

.inquiry-dialog .inquiry-consent input[type="checkbox"]:focus-visible {
  outline: 2px solid #0756c9;
  outline-offset: 3px
}

/* Mobile hero: fit the year artwork inside the hero and keep copy readable. */
@media (max-width:600px) {
  .hero {
    overflow: hidden !important;
  }

  .hero-year-art {
    left: 0 !important;
    right: 0 !important;
    top: 0 !important;
    bottom: 0 !important;
    width: 100% !important;
    height: 100% !important;
    max-width: 100% !important;
    opacity: .15 !important;
  }

  .hero>.wrap {
    position: relative;
    z-index: 2;
  }
}



/* Stage 34 — responsive/mobile cleanup without a separate mobile mockup */
@media (max-width:900px) {
  .ai .chart-grid {
    grid-template-columns: 1fr !important;
    min-height: 0 !important;
    gap: 20px !important;
  }
}

@media (max-width:600px) {

  html,
  body {
    max-width: 100%;
    overflow-x: hidden;
  }

  .chart,
  .deposit-aside,
  .innovation article {
    min-width: 0;
  }

  .barlabel span {
    min-width: 0;
    overflow-wrap: anywhere;
  }

  /* Fix the AI donut/legend cascade: a late desktop rule was forcing two columns on mobile. */
  .ai-use-layout {
    grid-template-columns: 1fr !important;
    align-items: stretch !important;
    gap: 22px !important;
    width: 100% !important;
    min-width: 0 !important;
  }

  .ai-use-donut-wrap {
    width: 100% !important;
    max-width: 210px !important;
    margin: 0 auto !important;
  }

  .ai-use-donut {
    width: 100% !important;
    max-width: 100% !important;
    height: auto !important;
  }

  .ai-use-center b {
    font-size: 38px !important;
  }

  .ai-use-center span {
    font-size: 13px !important;
  }

  .ai-chart-legend {
    width: 100% !important;
    min-width: 0 !important;
    gap: 10px !important;
    font-size: 14px !important;
  }

  .ai-chart-legend li {
    width: 100% !important;
    min-width: 0 !important;
    grid-template-columns: 9px minmax(0, 1fr) auto !important;
    gap: 9px !important;
    align-items: start !important;
  }

  .ai-chart-legend li span {
    min-width: 0 !important;
    overflow-wrap: normal;
  }

  .ai-chart-legend li b {
    line-height: 1.35;
  }

  .ai-awareness-title {
    margin-top: 30px !important;
  }

  .ai-awareness-bar {
    font-size: 11px !important;
  }

  /* Keep comparison columns aligned row-to-row on narrow screens. */
  .compare-head,
  .comparison {
    grid-template-columns: minmax(0, 1fr) 90px 90px !important;
    gap: 5px !important;
  }

  .compare-num {
    gap: 3px !important;
    font-size: 12px !important;
    min-width: 0 !important;
  }

  .compare-num i {
    flex: 0 0 auto;
  }

  /* Give the source-officiality chart a little more room for its labels. */
  .source-officiality-layout {
    grid-template-columns: 40px minmax(0, 1fr) !important;
    gap: 8px !important;
  }

  .source-officiality-axis {
    font-size: 12px !important;
  }

  .source-axis-caption {
    font-size: 12px !important;
    margin: 12px 0 !important;
  }
}

@media (max-width:430px) {

  /* On phones the SVG labels otherwise become too small; use the card padding as extra drawing room. */
  .experience-chart {
    width: 112% !important;
    max-width: none !important;
    margin-left: -6% !important;
    margin-right: -6% !important;
  }
}

@media (max-width:340px) {
  .wrap {
    padding-left: 18px !important;
    padding-right: 18px !important;
  }

  .ai {
    margin-left: -18px !important;
    margin-right: -18px !important;
    padding-left: 18px !important;
    padding-right: 18px !important;
  }

  .chart {
    padding-left: 16px !important;
    padding-right: 16px !important;
  }

  .years {
    width: 100%;
    flex-wrap: wrap !important;
    gap: 6px !important;
  }

  .years small {
    flex-basis: 100%;
    margin: 0 0 2px !important;
  }

  .years span {
    padding: 7px 10px !important;
  }

  .compare-head,
  .comparison {
    grid-template-columns: minmax(0, 1fr) 88px 88px !important;
    gap: 4px !important;
  }

  .compare-num {
    font-size: 11px !important;
    gap: 2px !important;
  }

  .ai-use-donut-wrap {
    max-width: 190px !important;
  }
}



/* Stage 35 — mobile spacing/rhythm cleanup from review notes */
@media (max-width:600px) {

  /* Hero: keep CTA and supporting copy visually connected. */
  .hero-bottom {
    gap: 20px !important;
  }

  /* Intro → results: stage-33 desktop padding was leaking into mobile. */
  main>.section.wrap {
    padding-bottom: 20px !important;
  }

  .results-head {
    padding-top: 24px !important;
    padding-bottom: 32px !important;
  }

  /* Use one consistent vertical rhythm for result sections. */
  .chapter {
    padding-top: 44px !important;
    padding-bottom: 44px !important;
  }

  .ai+.chapter {
    padding-bottom: 44px !important;
  }

  .quote {
    margin-bottom: 44px !important;
  }

  .ai {
    margin-bottom: 44px !important;
  }

  /* AI overview card: tighten the two marked internal gaps. */
  .ai-overview-chart .ai-awareness-title {
    margin-top: 20px !important;
  }

  .ai-overview-chart .ai-awareness-bar {
    margin-top: 18px !important;
    margin-bottom: 18px !important;
  }

  .ai-overview-chart>.ai-chart-legend+.source {
    margin-top: 18px !important;
  }
}



/* Stage 36 — mobile header/CTA/report-cover cleanup */
@media (max-width:600px) {

  /* Center the two brand marks in the header as one group. */
  .nav {
    align-items: center !important;
  }

  .nav .brands {
    width: 100% !important;
    margin: 0 !important;
    justify-content: center !important;
    align-items: center !important;
    gap: 22px !important;
  }

  .nav .vtb.brand-logo svg {
    height: 26px !important;
    width: auto !important;
  }

  .nav .frank.brand-logo svg {
    height: 20px !important;
    width: auto !important;
  }

  /* Keep chronology centered beneath the logos. */
  .nav .years {
    width: 100% !important;
    margin: 0 !important;
    justify-content: center !important;
    align-items: center !important;
    gap: 6px !important;
  }

  /* The primary CTA must stay on one line at 393px (and remain safe down to 320px). */
  .hero-bottom .btn {
    width: 100% !important;
    min-width: 0 !important;
    padding: 18px 16px !important;
    gap: 12px !important;
    font-size: clamp(14px, 4vw, 16px) !important;
    line-height: 1.2 !important;
    white-space: nowrap !important;
  }

  .hero-bottom .btn svg {
    margin-left: auto !important;
    flex: 0 0 18px !important;
  }

  /* Report cover: use explicit logo widths so neither mark stretches/collides. */
  .book .brands {
    width: 100% !important;
    display: flex !important;
    align-items: center !important;
    justify-content: flex-start !important;
    gap: 14px !important;
    overflow: visible !important;
  }

  .book .vtb.brand-logo {
    width: 112px !important;
    flex: 0 0 112px !important;
  }

  .book .frank.brand-logo {
    width: 84px !important;
    flex: 0 0 84px !important;
  }

  .book .vtb.brand-logo svg,
  .book .frank.brand-logo svg {
    width: 100% !important;
    max-width: 100% !important;
    height: auto !important;
    display: block !important;
  }

  /* Keep the actual footer mark crisp as well. */
  .footer .frank.brand-logo {
    width: 140px !important;
  }

  .footer .frank.brand-logo svg {
    width: 100% !important;
    height: auto !important;
  }
}

@media (max-width:340px) {
  .nav .brands {
    gap: 18px !important;
  }

  .nav .vtb.brand-logo svg {
    height: 24px !important;
  }

  .nav .frank.brand-logo svg {
    height: 18px !important;
  }

  .hero-bottom .btn {
    padding-left: 14px !important;
    padding-right: 14px !important;
    gap: 9px !important;
  }

  .book .vtb.brand-logo {
    width: 104px !important;
    flex-basis: 104px !important;
  }

  .book .frank.brand-logo {
    width: 76px !important;
    flex-basis: 76px !important;
  }
}



/* Stage 37 — visually equal top/bottom padding inside the mobile report cover */
@media (max-width:600px) {
  .book {
    padding: 28px 24px 24px !important;
    min-height: 360px !important;
    justify-content: space-between !important;
  }

  .book .brands {
    margin: 0 !important;
    flex: 0 0 auto !important;
  }

  .book h3 {
    margin: 0 !important;
    line-height: 1.08 !important;
  }

  .book .year {
    margin: 0 !important;
    line-height: .82 !important;
    flex: 0 0 auto !important;
  }
}



/* Stage 38 — mobile self-assessment chart side breathing room */
@media (max-width:600px) {
  .experience-chart {
    width: 94% !important;
    max-width: 330px !important;
    margin: 18px auto 0 !important;
  }
}

@media (max-width:360px) {
  .experience-chart {
    width: 92% !important;
    max-width: 300px !important;
  }
}



/* Stage 39 — improve mobile readability of self-assessment donut callouts */
@media (max-width:600px) {
  .experience-chart text {
    font-size: 22px !important;
  }
}

@media (max-width:360px) {
  .experience-chart text {
    font-size: 21px !important;
  }
}



/* Stage 40 — match approved Figma 2025 page backgrounds */
body {
  background: #e4eaf1 !important;
}

.hero {
  background:
    radial-gradient(ellipse 18.904% 18.904% at 67.014% 65.879%, rgba(18, 97, 200, 1) 0%, rgba(18, 97, 200, 0) 48%),
    radial-gradient(ellipse 20.961% 20.961% at 29.039% 56.288%, rgba(185, 214, 240, 1) 0%, rgba(185, 214, 240, 0) 50%),
    linear-gradient(70.7deg, #eff3f7 10%, #dce7f2 52%, #94b9e3 100%) !important;
}

main {
  background:
    radial-gradient(ellipse 78.125% 38.462% at 68.75% 3.846%, rgba(150, 188, 229, .32) 0%, rgba(150, 188, 229, 0) 80%),
    radial-gradient(ellipse 100% 33.333% at -40% 86.667%, rgba(129, 174, 225, .38) 0%, rgba(129, 174, 225, 0) 78%),
    linear-gradient(76.875deg, #dce8f5 0%, #eaf0f6 38%, #e4e8ee 70%, #d5e3f2 100%),
    #e4eaf1 !important;
}



/* Stage 41 — exact Figma 2025 background audit */
body {
  background: #e4eaf1 !important;
}

.hero {
  background-image:
    url("../images/gradient-1-bd867addd379.svg"),
    url("../images/gradient-2-b4ca78a04355.svg"),
    linear-gradient(146.19989178886183deg, #eff3f7 14.939%, #dce7f2 51.753%, #94b9e3 93.827%) !important;
}

main {
  display: flow-root;
  /* keep the final 65px inside the Figma main-content background */
  background-image:
    url("../images/gradient-3-b066a8c593bc.svg"),
    url("../images/gradient-4-45e664f690c3.svg"),
    linear-gradient(96.73338465352154deg, #dce8f5 8.4861%, #eaf0f6 40.037%, #e4e8ee 66.606%, #d5e3f2 91.514%),
    linear-gradient(90deg, #e4eaf1 0%, #e4eaf1 100%) !important;
}

/* The approved Figma keeps the source-note breathing room on the same gradient,
   not as a separate flat body-colored strip. */
.footnote {
  margin-bottom: 65px !important;
}



/* Figma 83:76, approved 1920px layout: 1536 outer container, 1440 content. */
@media (min-width:1600px) {
  .wrap {
    max-width: 1536px;
    padding-left: 48px;
    padding-right: 48px
  }

  .hero {
    min-height: 900px
  }

  .nav {
    padding-top: 36px
  }

  .hero-main {
    padding-top: 155px
  }

  .hero-bottom {
    padding-top: 128px
  }

  .goal {
    grid-template-columns: 551px minmax(0, 1fr);
    gap: 90px
  }

  .directions {
    gap: 16px
  }

  .direction {
    min-height: 354px;
    padding: 30px 24px
  }

  .direction .icon {
    width: 52px;
    height: 52px;
    margin-bottom: 42px
  }

  .results-head {
    min-height: 202px;
    align-items: center
  }
}

/* The supplied page embeds VTB Group; use it consistently instead of Arial. */
body,
button {
  font-family: 'VTB Group', Arial, Helvetica, sans-serif
}

/* Figma navigation chips are 72x46 at the approved desktop breakpoint. */
@media(min-width:1600px) {
  .years span {
    min-width: 72px;
    min-height: 46px;
    display: inline-flex;
    align-items: center;
    justify-content: center
  }
}

/* Keep content legible and avoid horizontal overflow at intermediate widths. */
@media(max-width:1599px) {
  .wrap {
    max-width: 1280px
  }
}

@media(max-width:600px) {
  .direction {
    min-height: 0
  }

  .direction-topics {
    overflow-wrap: anywhere
  }
}



/* Figma audit 2026-10-16: restore distinct surface treatments. */
.chart-grid>.chart {
  background: #f5f8fc;
  border: 0;
}

.quote {
  background: #d5e4f5;
}

.innovation article {
  background: #f5f8fc;
  border: 1px solid transparent;
}

.deposit-aside {
  background: #d7e7f9;
}

@media(min-width:1000px) {
  .innovation {
    gap: 16px;
  }

  .innovation article {
    padding: 28px 30px;
    min-height: 0;
  }

  .innovation h4 {
    font-size: 20px;
    line-height: 1.35;
  }

  .innovation .percent {
    margin: 22px 0 10px;
  }

  .innovation p {
    line-height: 1.5;
  }

  .quote {
    padding: 52px 64px;
  }
}



/* Stage 43: AI chart contrast regression fix. Light cards need dark foregrounds. */
.ai .chart-grid>.chart {
  color: #142b48 !important;
}

.ai .chart-grid>.chart h4,
.ai .chart-grid>.chart .barlabel,
.ai .chart-grid>.chart .barlabel span,
.ai .chart-grid>.chart .ai-chart-legend,
.ai .chart-grid>.chart .ai-chart-legend li,
.ai .chart-grid>.chart .ai-chart-legend li span,
.ai .chart-grid>.chart .ai-chart-legend li b {
  color: #142b48 !important;
}

.ai .chart-grid>.chart .subtitle,
.ai .chart-grid>.chart .source {
  color: #748ba5 !important;
}

.ai .chart-grid>.chart .barlabel b,
.ai .chart-grid>.chart .ai-use-center b {
  color: #0756c9 !important;
}

.ai .chart-grid>.chart .ai-use-center span {
  color: #748ba5 !important;
}



/* Stage 44 — restore approved Figma surface hierarchy and correct regressions. */
.ai .chart-grid>.chart {
  background: #233f63 !important;
  color: #ffffff !important;
  border: 0 !important;
}

.ai .chart-grid>.chart h4,
.ai .chart-grid>.chart .barlabel,
.ai .chart-grid>.chart .barlabel span,
.ai .chart-grid>.chart .ai-chart-legend,
.ai .chart-grid>.chart .ai-chart-legend li,
.ai .chart-grid>.chart .ai-chart-legend li span,
.ai .chart-grid>.chart .ai-chart-legend li b {
  color: #fff !important;
}

.ai .chart-grid>.chart .subtitle,
.ai .chart-grid>.chart .source {
  color: #a9c6e9 !important;
}

.ai .chart-grid>.chart .barlabel b {
  color: #a9c6e9 !important;
}

.ai .chart-grid>.chart .ai-use-center b {
  color: #0756c9 !important;
}

.ai .chart-grid>.chart .ai-use-center span {
  color: #748ba5 !important;
}

/* Capital chart: keep a single delicate brace, aligned only with five active ranges. */
.capital-chapter .capital-ready-group {
  position: relative !important;
}

.capital-chapter .capital-brace {
  left: -43px !important;
  top: 0 !important;
  width: 37px !important;
  height: 100% !important;
  overflow: visible !important;
  color: #a2b7cf !important;
}

.capital-chapter .capital-brace path {
  stroke-width: 1.2 !important;
}

/* Main-page background must never show through the rounded lower hero corners. */
.hero {
  isolation: isolate;
  overflow: hidden;
}

.hero-year-art {
  pointer-events: none;
}

@media(max-width:600px) {
  .capital-chapter .capital-brace {
    display: none !important;
  }
}



/* Stage 45: targeted fixes checked against Figma node 83:775. */
@media (min-width:901px) {
  .capital-chapter .chart-grid {
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr) !important;
    gap: 10px !important;
  }

  .capital-chapter .deposit-aside {
    background: linear-gradient(143.74deg, #ccdef2 0%, #e6eef7 100%) !important;
  }

  .capital-chapter .capital-chart {
    background: #f2f5f8 !important;
  }

  .capital-chapter .capital-ready-group {
    margin-left: 0 !important;
  }

  .capital-chapter .capital-brace {
    left: -60px !important;
    top: 28px !important;
    width: 52px !important;
    height: calc(100% - 28px) !important;
    color: #9eb1c6 !important;
  }
}

/* Dark AI infographic: central 3,3 must be white, not saturated blue. */
.ai .chart-grid>.chart .ai-use-center b {
  color: #fff !important;
}

.ai .chart-grid>.chart .ai-use-center span {
  color: #b7c8dd !important;
}



/* Stage 46: place the grouping brace in the actual inter-card gutter. */
@media(min-width:901px) {
  .capital-chapter .chart-grid {
    position: relative !important;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr) !important;
    gap: 79px !important;
  }

  .capital-chapter .chart-grid>.capital-brace {
    display: block !important;
    position: absolute !important;
    left: calc(50% - 26px) !important;
    top: 121px !important;
    width: 52px !important;
    height: 247px !important;
    overflow: visible !important;
    color: #9eb1c6 !important;
    pointer-events: none !important;
    z-index: 2 !important;
  }

  .capital-chapter .chart-grid>.capital-brace path {
    stroke-width: 1.2 !important;
    vector-effect: non-scaling-stroke !important;
  }
}

@media(max-width:900px) {
  .capital-chapter .chart-grid>.capital-brace {
    display: none !important;
  }
}

/* Stage 47: mobile section junctions — no exposed triangular backgrounds.
   Keep desktop rounded corners from the approved design. */
@media (max-width:600px) {
  .hero {
    border-radius: 0 !important;
  }

  .download {
    border-radius: 0 !important;
  }

  .download::before,
  .hero::after {
    border-radius: 0;
  }
}

/* Avoid a 1px seam from fractional layout at the hero/main boundary. */
.hero {
  background-clip: padding-box;
}



/* Stage 48: keep rounded section corners, paint the exposed backing consistently. */
@media (max-width:600px) {

  /* The rounded edges are transparent; the body used to show a flat pale/white strip. */
  html,
  body {
    background-color: #dce8f5 !important;
  }

  body {
    background-image: linear-gradient(96.733deg, #dce8f5 8.4861%, #eaf0f6 40.037%, #e4e8ee 66.606%, #d5e3f2 91.514%) !important;
    background-repeat: no-repeat !important;
    background-size: 100% 100% !important;
  }

  .hero {
    border-radius: 0 0 28px 28px !important;
  }

  .download {
    border-radius: 28px !important;
  }

  .hero::after,
  .download::before {
    border-radius: inherit;
  }
}



/* Stage 49 — actual overlapping section layers, not a page-wide color workaround. */
@media (max-width:600px) {

  /* The following section extends underneath the rounded hero corners. */
  body>.hero {
    position: relative;
    z-index: 3;
    margin-bottom: -28px;
    border-radius: 0 0 28px 28px !important;
    overflow: hidden;
  }

  body>main {
    position: relative;
    z-index: 1;
    padding-top: 82px;
    /* original mobile 54px + 28px of overlap */
    padding-bottom: 28px;
    margin-bottom: -28px;
  }

  /* Actual painted backing behind the hero's transparent corner pixels. */
  body>main::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 56px;
    z-index: -1;
    background: linear-gradient(105deg, #dce8f5 0%, #eaf0f6 52%, #d5e3f2 100%);
    pointer-events: none;
  }

  /* Main section stays underneath the rounded top corners of the CTA. */
  body>.download {
    position: relative;
    z-index: 2;
    border-radius: 28px 28px 0 0 !important;
    margin-top: 0;
  }

  body>main::after {
    content: "";
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 56px;
    z-index: -1;
    background: linear-gradient(105deg, #dce8f5 0%, #eaf0f6 52%, #d5e3f2 100%);
    pointer-events: none;
  }
}



/* Stage 50: REAL overlap. The previous patch shifted main content down but
   never moved main's painted background behind the hero. */
body>.hero {
  position: relative !important;
  z-index: 2 !important;
  margin-bottom: 0 !important;
}

body>main {
  position: relative !important;
  z-index: 1 !important;
  margin-top: -34px !important;
  padding-top: 34px !important;
}

/* Use the actual next section background behind the hero's rounded pixels. */
body>main::before {
  display: none !important;
}

@media (max-width:600px) {
  body>.hero {
    margin-bottom: 0 !important;
    border-radius: 0 0 28px 28px !important;
  }

  body>main {
    margin-top: -28px !important;
    padding-top: 82px !important;
  }

  body>main::before {
    display: none !important;
  }

  /* At the lower seam, the main gradient must be painted under CTA corners. */
  body>main {
    margin-bottom: -28px !important;
  }

  body>.download {
    position: relative !important;
    z-index: 2 !important;
  }
}



/* CTA overlaps the main gradient: rounded corners reveal the real main background. */
body>main {
  position: relative !important;
  z-index: 1 !important;
  margin-bottom: -30px !important;
}

body>main::after {
  display: none !important;
}

body>.download {
  position: relative !important;
  z-index: 2 !important;
  margin-top: 0 !important;
  border-radius: 30px 30px 0 0 !important;
}

/* Prevent the previously added extra 28px of space on mobile. */
@media (max-width: 600px) {
  body>main {
    padding-bottom: 0 !important;
    margin-bottom: -28px !important;
  }

  body>.download {
    border-radius: 28px 28px 0 0 !important;
  }
}



/* Based on static v51. Do not import v52 animations. */
@media (max-width: 900px) {

  /* On narrow screens the five ranges are ordinary full-width chart rows. */
  .capital-chapter .capital-ready-group {
    border-left: 0 !important;
    padding-left: 0 !important;
    margin-left: 0 !important;
  }

  .capital-chapter .capital-brace,
  .capital-chapter .chart-grid>.capital-brace {
    display: none !important;
  }
}

@supports (-moz-appearance: none) {
  @media (max-width: 600px) {

    /* Firefox: avoid SVG-data-URL radial layers that render in horizontal bands
       on the Android device emulator. Keep the same palette with native gradients. */
    .hero {
      background-image:
        radial-gradient(ellipse 85% 68% at 98% 89%, rgba(18, 97, 200, .78) 0%, rgba(18, 97, 200, 0) 78%),
        radial-gradient(ellipse 95% 60% at 72% 5%, rgba(185, 214, 240, .72) 0%, rgba(185, 214, 240, 0) 80%),
        linear-gradient(146.2deg, #eff3f7 14.939%, #dce7f2 51.753%, #94b9e3 93.827%) !important;
      background-repeat: no-repeat !important;
      background-size: 100% 100% !important;
    }

    .hero-year-art {
      width: 145% !important;
      height: 100% !important;
      left: -22.5% !important;
      top: 0 !important;
      bottom: auto !important;
      display: block !important;
    }

    .hero>.wrap,
    .hero-main,
    .hero-bottom {
      min-width: 0 !important;
      max-width: 100% !important;
    }
  }
}



/* Firefox: render backgrounds natively, avoiding SVG data-URL layer seams. */
@supports (-moz-appearance: none) {
  .hero {
    background-image:
      radial-gradient(ellipse 46% 38% at 91% 93%, rgba(18, 97, 200, .72), rgba(18, 97, 200, 0) 78%),
      radial-gradient(ellipse 45% 38% at 65% 2%, rgba(185, 214, 240, .6), rgba(185, 214, 240, 0) 78%),
      linear-gradient(146.2deg, #eff3f7 14.939%, #dce7f2 51.753%, #94b9e3 93.827%) !important;
    background-repeat: no-repeat !important;
    background-size: 100% 100% !important;
  }

  main {
    background-image:
      radial-gradient(ellipse 85% 34% at 105% 6%, rgba(129, 174, 225, .26), transparent 80%),
      radial-gradient(ellipse 95% 30% at -15% 65%, rgba(150, 188, 229, .25), transparent 82%),
      linear-gradient(96.733deg, #dce8f5 8.4861%, #eaf0f6 40.037%, #e4e8ee 66.606%, #d5e3f2 91.514%) !important;
    background-repeat: no-repeat !important;
    background-size: 100% 100% !important;
  }

  @media (max-width:600px) {

    /* Restore v51's aspect-ratio sizing for the SVG '2025'.
       Setting height:100% stretched it vertically in Firefox. */
    .hero .hero-year-art {
      width: 145% !important;
      height: auto !important;
      left: -22.5% !important;
      top: auto !important;
      bottom: 0 !important;
      max-width: none !important;
      opacity: .3 !important;
    }
  }
}



/* Chronology: 2026 removed; 2024 has no linked materials yet. */
.years span {
  transition: background-color .2s ease, border-color .2s ease, color .2s ease, opacity .2s ease, box-shadow .2s ease;
}

@media (hover:hover) {
  .years span:not(.active):hover {
    opacity: 1;
    background: rgba(255, 255, 255, .35);
    border-color: #4e80ba;
    color: #163252;
    box-shadow: 0 2px 10px rgba(18, 52, 88, .08);
  }

  .years span.active:hover {
    background: #245181;
    border-color: #245181;
    box-shadow: 0 3px 12px rgba(18, 52, 88, .17);
  }
}

@media (prefers-reduced-motion:reduce) {
  .years span {
    transition: none;
  }
}


.years a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 72px;
  min-height: 46px;
  padding: 0 16px;
  border: 1px solid rgba(21, 55, 92, .13);
  border-radius: 8px;
  color: #6b85a3;
  text-decoration: none;
  transition: background .2s, color .2s, border-color .2s
}

.years a.active {
  background: #153457;
  color: #fff;
  border-color: #153457
}

.years a:not(.active):hover {
  background: rgba(255, 255, 255, .55);
  color: #153457;
  border-color: #789ec8
}

@media(max-width:600px) {
  .years a {
    min-width: 0;
    min-height: 42px;
    padding: 0 12px
  }
}


/* Enforce embedded brand fonts across content, including cards and controls. */
html body,
html body button,
html body input,
html body select,
html body textarea {
  font-family: "VTB Group", Arial, sans-serif;
}

html body h1,
html body h2,
html body h3,
html body .stat,
html body .percent,
html body .ai-metric,
html body .deposit-aside strong,
html body .book .year,
html body .donut-center,
html body .hero-year {
  font-family: "VTB Group Cond", "VTB Group", sans-serif;
}

html body h4,
html body .direction,
html body .direction h4,
html body .direction-topics,
html body .direction li {
  font-family: "VTB Group", Arial, sans-serif;
}

html body .direction h4 {
  font-weight: 600;
}



/* Match the 2024 v78 mobile logo and chronology alignment. */
@media (max-width:600px) {
  .hero .nav {
    align-items: flex-start !important;
  }

  .hero .nav .brands {
    justify-content: flex-start !important;
    align-self: flex-start !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
  }

  .hero .nav .years {
    justify-content: flex-start !important;
    align-self: flex-start !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
  }
}



/* Legal links at the very bottom of the footer */
.footer .footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 28px;
  margin-top: 28px;
  padding-top: 18px;
  border-top: 1px solid rgba(23, 57, 105, .16);
  font-size: 14px;
  line-height: 1.5;
}

.footer .footer-legal-links a {
  color: inherit;
  text-decoration: underline;
  text-underline-offset: 3px;
}

@media(max-width:600px) {
  .footer .footer-legal-links {
    flex-direction: column;
    gap: 12px;
    margin-top: 24px;
  }
}



/* Footer legal links aligned with copyright, desktop and mobile */
.footer .footer-copyright-column {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  min-width: 0;
}

.footer .footer-legal-links {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  flex-wrap: nowrap;
  gap: 8px;
  margin-top: 14px;
  padding-top: 0;
  border-top: 0;
  font-size: 13px;
  line-height: 1.5;
}

.footer .footer-legal-links a {
  color: inherit;
  text-decoration: underline;
  text-underline-offset: 3px;
}

@media(max-width:600px) {
  .footer .footer-legal-links {
    margin-top: 10px;
    gap: 8px;
    padding-top: 0;
  }

  .footer .footer-copyright-column {
    gap: 0;
  }
}



/* Inquiry modal */
.inquiry-modal[hidden] {
  display: none !important
}

.inquiry-modal {
  position: fixed;
  inset: 0;
  z-index: 99999;
  display: grid;
  place-items: center;
  padding: 20px;
  box-sizing: border-box
}

.inquiry-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(10, 28, 53, .66);
  backdrop-filter: blur(7px)
}

.inquiry-dialog {
  position: relative;
  width: min(100%, 560px);
  max-height: calc(100dvh - 40px);
  overflow-y: auto;
  box-sizing: border-box;
  background: #f5f8fc;
  color: #142e50;
  border-radius: 18px;
  padding: 40px;
  box-shadow: 0 25px 90px #081b3559;
  font-family: inherit
}

.inquiry-close {
  position: absolute;
  right: 20px;
  top: 18px;
  border: 0;
  background: transparent;
  color: #536c8b;
  font-size: 30px;
  line-height: 1;
  cursor: pointer;
  padding: 6px
}

.inquiry-dialog h2 {
  font-size: clamp(23px, 3vw, 30px);
  font-weight: 500;
  line-height: 1.2;
  margin: 6px 32px 26px 0;
  color: #142e50
}

.inquiry-fields {
  display: grid;
  gap: 10px
}

.inquiry-dialog input[type=email],
.inquiry-dialog input[type=text],
.inquiry-dialog textarea {
  display: block;
  box-sizing: border-box;
  width: 100%;
  border: 1px solid transparent;
  border-radius: 10px;
  background: #e9eff7;
  color: #142e50;
  font: inherit;
  font-size: 15px;
  padding: 17px 18px;
  outline: none;
  min-height: 55px
}

.inquiry-dialog textarea {
  resize: vertical;
  min-height: 128px
}

.inquiry-dialog input:focus,
.inquiry-dialog textarea:focus {
  border-color: #0b5bd3;
  background: #fff
}

.inquiry-dialog input::placeholder,
.inquiry-dialog textarea::placeholder {
  color: #526783;
  opacity: 1
}

.inquiry-consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 12px;
  line-height: 1.55;
  color: #526783;
  margin: 21px 0
}

.inquiry-consent input {
  width: 17px;
  height: 17px;
  margin: 2px 0 0;
  flex: none;
  accent-color: #0b5bd3
}

.inquiry-consent a {
  color: #164f9e;
  text-decoration: underline
}

.inquiry-submit {
  border: 0;
  background: #0b5bd3;
  color: #fff;
  border-radius: 6px;
  padding: 16px 28px;
  font: inherit;
  font-size: 15px;
  cursor: pointer
}

.inquiry-submit:hover {
  background: #094cb1
}

.inquiry-submit:disabled {
  opacity: .5;
  cursor: not-allowed
}

.inquiry-status {
  font-size: 13px;
  line-height: 1.5;
  margin: 14px 0 0;
  color: #526783
}

body.inquiry-open {
  overflow: hidden
}

@media(max-width:600px) {
  .inquiry-modal {
    padding: 14px
  }

  .inquiry-dialog {
    padding: 30px 20px 24px;
    border-radius: 12px;
    max-height: calc(100dvh - 28px)
  }

  .inquiry-dialog h2 {
    margin-top: 16px;
    margin-bottom: 22px
  }

  .inquiry-submit {
    width: 100%
  }
}



/* Mobile hero year: restore original artwork strength, fit complete year to viewport width. */
@media (max-width:600px) {
  .hero {
    overflow: hidden !important;
  }

  .hero>.hero-year-art,
  .hero .hero-year-art {
    left: 0 !important;
    right: auto !important;
    top: auto !important;
    bottom: -4% !important;
    width: 100% !important;
    max-width: none !important;
    height: 112% !important;
    opacity: .30 !important;
  }
}



/* Preserve the SVG's original proportions instead of stretching it to the hero height. */
@media (max-width:600px) {
  .hero {
    overflow: hidden !important;
  }

  .hero>svg.hero-year-art {
    left: 0 !important;
    right: auto !important;
    top: auto !important;
    bottom: 0 !important;
    width: 100% !important;
    height: auto !important;
    max-width: 100% !important;
    opacity: .30 !important;
  }
}



/* Align card headings with the other chart cards. */
.capital-chapter .capital-chart h4,
.innovation article h4 {
  font-size: 23px !important;
  font-weight: 600 !important;
  line-height: 1.3 !important;
  letter-spacing: 0 !important;
}