*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#0d1f40;--navy-mid:#162b56;--blue:#4a72b4;--blue-dark:#2d5090;--blue-light:#eef3fb;--blue-mid:#c8d8f0;--white:#fff;--gray-50:#f8f9fc;--gray-100:#eef0f5;--gray-300:#c4cad9;--gray-500:#6b7591;--gray-700:#2e3650;--gray-900:#111827}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,sans-serif;color:var(--gray-900);background:var(--white);line-height:1.7;font-size:16px}
nav{position:sticky;top:0;z-index:100;background:var(--navy);padding:0 40px;display:flex;align-items:center;justify-content:space-between;height:68px;border-bottom:1px solid rgba(255,255,255,.08)}
.nav-logo img{height:34px;width:auto}
.nav-links{display:flex;align-items:center;gap:22px}
.nav-links a{color:#fff;text-decoration:none;font-size:14px;font-weight:600;transition:color .2s}
.nav-links a:hover,.nav-links a.active{color:#fff}
.nav-cta{background:var(--blue);color:#fff!important;padding:10px 20px;border-radius:6px;font-weight:600!important}
.nav-cta:hover{background:#c75a10!important}
.hero{background:var(--navy);padding:60px 40px 72px}
.hero-inner{max-width:900px;margin:0 auto}
.breadcrumb{font-size:13px;color:rgba(255,255,255,.4);margin-bottom:20px}
.breadcrumb a{color:rgba(255,255,255,.5);text-decoration:none}
.hero h1{font-size:clamp(26px,4vw,42px);font-weight:700;color:#fff;line-height:1.15;margin-bottom:16px;letter-spacing:-.02em}
.hero-sub{font-size:16px;color:#8aafdc;line-height:1.75;max-width:620px}
.alpha-nav{background:var(--blue-light);border-bottom:1px solid var(--blue-mid);padding:14px 40px;position:sticky;top:68px;z-index:90}
.alpha-inner{max-width:900px;margin:0 auto;display:flex;gap:6px;flex-wrap:wrap}
.alpha-inner a{font-size:13px;font-weight:600;color:var(--blue-dark);text-decoration:none;padding:4px 8px;border-radius:4px;transition:background .2s}
.alpha-inner a:hover{background:var(--blue-mid)}
.search-bar{background:#fff;border-bottom:1px solid var(--gray-100);padding:18px 40px}
.search-inner{max-width:900px;margin:0 auto}
.search-input{width:100%;max-width:500px;padding:11px 16px;border:1.5px solid var(--gray-300);border-radius:8px;font-size:15px;font-family:inherit;color:var(--gray-900);outline:none;transition:border-color .2s}
.search-input:focus{border-color:var(--blue)}
.page-body{max-width:900px;margin:0 auto;padding:0 40px 80px}
.letter-group{margin-top:52px}
.letter-anchor{font-size:34px;font-weight:700;color:var(--blue);margin-bottom:20px;padding-bottom:10px;border-bottom:2px solid var(--blue-light)}
.term{padding:22px 0;border-bottom:1px solid var(--gray-100)}
.term:last-child{border-bottom:none}
.term-header{display:flex;align-items:baseline;gap:12px;margin-bottom:10px;flex-wrap:wrap}
.term-name{font-size:18px;font-weight:700;color:var(--gray-900)}
.term-category{font-size:11px;font-weight:600;letter-spacing:1px;text-transform:uppercase;color:var(--blue);background:var(--blue-light);padding:3px 10px;border-radius:20px;white-space:nowrap}
.term-body p{font-size:15px;color:var(--gray-500);line-height:1.8;margin-bottom:10px}
.term-body p:last-child{margin-bottom:0}
.term-tip{background:var(--blue-light);border-left:3px solid var(--blue);border-radius:0 8px 8px 0;padding:12px 18px;margin-top:12px;font-size:14px;color:var(--gray-700);line-height:1.65}
.term-tip strong{color:var(--navy)}
.term-also{font-size:13px;color:var(--gray-500);margin-top:8px}
.term-also a{color:var(--blue);text-decoration:none}
.term-also a:hover{text-decoration:underline}
.term-ref{font-style:italic;color:var(--gray-500);font-size:14px;margin-top:4px}
.inline-cta{background:var(--navy);border-radius:12px;padding:26px 30px;margin:48px 0;display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.inline-cta h4{font-size:16px;font-weight:700;color:#fff;margin-bottom:4px}
.inline-cta p{font-size:13px;color:#8aafdc;margin:0;max-width:440px}
.cta-btn{background:var(--blue);color:#fff;padding:12px 22px;border-radius:8px;text-decoration:none;font-size:14px;font-weight:700;white-space:nowrap;flex-shrink:0;display:inline-block}
.cta-btn:hover{background:var(--blue-dark)}
footer{background:var(--navy);padding:40px 40px 28px}
.footer-inner{max-width:1100px;margin:0 auto}
.footer-top{display:flex;gap:48px;justify-content:space-between;flex-wrap:wrap;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.1);margin-bottom:20px}
.footer-logo img{height:26px;filter:brightness(0) invert(1);opacity:.8;margin-bottom:10px}
.footer-desc{font-size:13px;color:rgba(255,255,255,.4);max-width:220px;line-height:1.65}
.footer-col h5{font-size:11px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:rgba(255,255,255,.3);margin-bottom:12px}
.footer-col a,.footer-col p{display:block;font-size:13px;color:rgba(255,255,255,.55);text-decoration:none;margin-bottom:7px}
.footer-col a:hover{color:#fff}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}
.footer-bottom p{font-size:12px;color:rgba(255,255,255,.3)}
.finma-badge{font-size:12px;color:rgba(255,255,255,.4);background:rgba(255,255,255,.07);padding:4px 12px;border-radius:20px}
@media(max-width:768px){nav{padding:0 20px}.hero{padding:48px 20px}.alpha-nav{padding:12px 20px}.search-bar{padding:14px 20px}.page-body{padding:0 20px 60px}.inline-cta{flex-direction:column;gap:14px}footer{padding:36px 20px 24px}.footer-top{flex-direction:column;gap:24px}}

  /* HAMBURGER */
  .hamburger { display: none; background: none; border: none; cursor: pointer; padding: 6px; z-index: 201; }
  .hamburger span { display: block; width: 22px; height: 2px; background: #fff; margin: 5px 0; border-radius: 2px; transition: all .3s; }
  .hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
  .hamburger.open span:nth-child(2) { opacity: 0; }
  .hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }
  .mobile-menu { display: none; position: fixed; top: 68px; left: 0; right: 0; bottom: 0; background: var(--navy); z-index: 199; padding: 32px 24px; flex-direction: column; gap: 0; overflow-y: auto; }
  .mobile-menu.open { display: flex; }
  .mobile-menu a { color: rgba(255,255,255,0.85); text-decoration: none; font-size: 17px; font-weight: 500; padding: 16px 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .mobile-menu a:hover { color: #fff; }
  .mobile-cta { background: var(--blue) !important; color: #fff !important; padding: 14px 24px !important; border-radius: 8px; text-align: center; margin-top: 16px; border: none !important; font-weight: 600 !important; }
  @media (max-width: 960px) {
    .nav-links { display: none; }
    .hamburger { display: block; }
  }
  @media (max-width: 768px) {
    nav { padding: 0 20px; }
    .hero { padding: 48px 20px; }
  }
  @media (max-width: 480px) {
    nav { height: 60px; }
    .mobile-menu { top: 60px; }
  }