:root{
  --ink:#0c1b28;--navy:#0f2738;--navy2:#173c52;--paper:#fffdf8;--cream:#f2ede3;
  --gold:#b68b47;--rust:#a54f36;--muted:#5e6c74;--line:#dad5ca;--white:#fff;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;line-height:1.55}
a{color:inherit}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,253,248,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}
.nav-inner{max-width:1280px;margin:auto;padding:14px 26px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{text-decoration:none;font-weight:900;letter-spacing:-.02em}
nav{display:flex;gap:15px;flex-wrap:wrap}nav a{text-decoration:none;font-size:.9rem;font-weight:750;color:#354b57}nav a:hover{text-decoration:underline}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff}
.hero-inner{max-width:1280px;margin:auto;padding:68px 26px;display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:44px;align-items:start}
.kicker{text-transform:uppercase;letter-spacing:.15em;font-size:.72rem;font-weight:900;color:#d9bc78}
.hero h1{font-family:Georgia,serif;font-size:clamp(3rem,6vw,6.2rem);line-height:.95;letter-spacing:-.04em;margin:.12em 0 .18em}
.hero p{max-width:780px;color:#dce7ec;font-size:1.08rem}
.hero-image{max-width:1280px;margin:0 auto;padding:0 26px 48px}.hero-image img{display:block;width:100%;border-radius:18px;box-shadow:0 20px 50px rgba(0,0,0,.18)}
.house-placement{background:#fff;border-radius:14px;padding:12px;color:var(--ink);box-shadow:0 16px 40px rgba(0,0,0,.18)}
.placement-label{text-align:center;font-size:.64rem;letter-spacing:.15em;font-weight:900;color:#64737b;margin-bottom:8px}
.cover-link{text-decoration:none}.cover-mock{aspect-ratio:3/4;background:linear-gradient(145deg,#2b2330,#8a5364);color:#fff;border-radius:7px;padding:20px;display:flex;flex-direction:column}
.cover-mock small{letter-spacing:.12em}.cover-mock strong{font-family:Georgia,serif;font-size:2rem;line-height:1;margin-top:62px}.cover-mock span{margin-top:12px;color:#eee}.cover-mock em{margin-top:auto;font-style:normal;font-weight:800;font-size:.82rem}
.about-placement{display:block;margin-top:8px;text-align:center;font-size:.72rem;color:#596a73}
.wrap{max-width:1280px;margin:auto;padding:44px 26px}
.editorial-intro{display:grid;grid-template-columns:1.5fr .9fr;gap:46px;align-items:start;padding:20px 0 36px;border-bottom:1px solid var(--line)}
.editorial-intro h2{font-family:Georgia,serif;font-size:clamp(2.1rem,4vw,4rem);line-height:1;margin:0}.editorial-intro p{color:var(--muted)}
.stat-line{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:32px 0}
.stat{padding:22px 18px;border-left:1px solid var(--line)}.stat:first-child{border-left:0}.stat strong{display:block;font-size:1.65rem}.stat span{font-size:.8rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.section{padding:42px 0;border-bottom:1px solid var(--line)}.section:last-child{border-bottom:0}
.section-head{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:end;margin-bottom:20px}.section-head h2{font-family:Georgia,serif;font-size:clamp(2rem,4vw,3.5rem);line-height:1;margin:0}.section-head p{color:var(--muted);margin:0}
.findings{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}.finding{padding-top:16px;border-top:3px solid var(--gold)}.finding strong{font-family:Georgia,serif;font-size:1.45rem;display:block}.finding p{color:var(--muted)}
.table-wrap{overflow:auto;border-top:2px solid var(--ink);border-bottom:1px solid var(--line)}table{border-collapse:collapse;width:100%;min-width:760px}th,td{padding:12px 10px;border-bottom:1px solid #ece8df;text-align:left}th{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:#4c5f69;background:#faf7f1}td{font-size:.92rem}
.breadcrumb{font-size:.83rem;color:#62717a;margin-bottom:16px}.breadcrumb a{color:#465d69}
.page-hero{max-width:1280px;margin:auto;padding:52px 26px 26px}.page-hero h1{font-family:Georgia,serif;font-size:clamp(2.8rem,5vw,5.2rem);line-height:.95;margin:.15em 0}.page-hero p{max-width:820px;color:var(--muted);font-size:1.05rem}
.interpretation{background:#f2ede3;border-left:5px solid var(--gold);padding:24px 26px;margin:24px 0}.interpretation strong{font-family:Georgia,serif;font-size:1.45rem}
.metric-list{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.metric{padding:18px 0;border-top:1px solid var(--line)}.metric span{display:block;color:var(--muted);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em}.metric strong{font-size:1.4rem}
.people-list{display:grid;grid-template-columns:repeat(2,1fr);gap:0;border-top:1px solid var(--line)}.people-row{display:grid;grid-template-columns:1.4fr .7fr .7fr;gap:12px;padding:14px 0;border-bottom:1px solid var(--line)}.people-row:nth-child(odd){padding-right:20px}.people-row:nth-child(even){padding-left:20px}
.api-visual img{width:100%;border-radius:18px;box-shadow:0 18px 42px rgba(13,27,42,.12)}
.callout{padding:24px;border:1px solid var(--line);background:#fff}.callout h3{font-family:Georgia,serif;font-size:1.6rem;margin-top:0}
.button{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;padding:11px 16px;border-radius:999px;font-weight:800}
.federation-footer{margin-top:56px;background:#091721;color:#dbe4e9}.footer-inner{max-width:1280px;margin:auto;padding:28px 26px;display:flex;justify-content:space-between;gap:22px;flex-wrap:wrap}.federation-links{display:flex;gap:8px 10px;flex-wrap:wrap}.federation-links a{color:#fff;text-decoration:none;font-weight:850}.footer-note{max-width:600px;text-align:right;color:#9fb0b9;font-size:.82rem}
.empty{color:var(--muted)}
@media(max-width:900px){.hero-inner{grid-template-columns:1fr}.editorial-intro,.section-head{grid-template-columns:1fr}.stat-line{grid-template-columns:1fr 1fr}.findings,.metric-list{grid-template-columns:1fr 1fr}.people-list{grid-template-columns:1fr}.people-row:nth-child(n){padding-left:0;padding-right:0}}
@media(max-width:620px){nav{display:flex}.stat-line{grid-template-columns:1fr}.stat{border-left:0;border-top:1px solid var(--line)}.findings,.metric-list{grid-template-columns:1fr}.footer-note{text-align:left}}
.brand{display:flex;align-items:center;gap:10px;line-height:1.15;flex-shrink:0}.brand small{display:block;font-size:.66rem;font-weight:600;letter-spacing:.01em;color:#526570;margin-top:6px}.brand img{flex-shrink:0}nav a[aria-current="page"]{color:#0f2738;text-decoration:underline;text-underline-offset:6px}.menu-toggle{display:none;background:#0f2738;color:#fff;border:0;padding:10px 15px;border-radius:8px;font:inherit;font-weight:700;cursor:pointer}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.button.gold{background:#dfc17c;color:#0f2738}.button.outline{background:transparent;border:1px solid #b0c2ce;color:#fff}.hero .cover-mock strong{font-size:1.8rem;margin-top:40px}.finding h3{font-family:Georgia,serif;font-size:1.45rem;line-height:1.2;margin:0}.finding a{font-weight:700;text-underline-offset:4px}.finding p{max-width:60ch}.kicker{color:#795722}.hero .kicker{color:#dfc17c}.table-controls{display:flex;align-items:end;justify-content:space-between;gap:20px;flex-wrap:wrap;margin-bottom:12px}.table-controls label{display:block;font-size:.85rem;font-weight:750;margin-bottom:6px}.table-controls input{max-width:100%;width:300px;padding:11px 12px;border:1px solid #8c9ba3;border-radius:7px;font:inherit;background:#fff;color:#0c1b28}.table-status{display:block;margin-top:7px;font-size:.8rem;color:#526570}.download-links{display:flex;flex-wrap:wrap;gap:14px;font-size:.85rem;font-weight:750}.table-hint{font-size:.8rem;color:#526570}.source-note,.coverage-note{background:#f2ede3;border-left:3px solid #b68b47;padding:18px 22px;margin-top:26px;font-size:.9rem;max-width:100%}.coverage-note p{margin-bottom:0}.source-note a{white-space:normal}.price{font-size:1.4rem;font-weight:800}.faq-list{max-width:900px}.faq-list details{border-bottom:1px solid #dad5ca;padding:20px 0}.faq-list summary{font-family:Georgia,serif;font-size:1.35rem;cursor:pointer}.faq-list p{max-width:75ch;color:#465b67}.footer-brand{font-family:Georgia,serif;font-size:1.7rem;text-decoration:none;color:#fff}.footer-inner>div:first-child{flex:1;min-width:240px}.footer-resources{display:flex;flex-direction:column;gap:9px;font-size:.9rem}.footer-resources a{color:#fff}.footer-note{flex-basis:100%;max-width:none;text-align:left;margin:8px 0 0;padding-top:18px;border-top:1px solid #3a4d59}.skip-link{position:absolute;top:0;left:20px;padding:12px 18px;background:#fff;color:#0f2738;transform:translateY(-150%);z-index:100}.skip-link:focus{transform:translateY(0)}:focus-visible{outline:3px solid #b68b47;outline-offset:4px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}[hidden]{display:none!important}h2{font-family:Georgia,serif;line-height:1.15}.table-wrap:focus-visible{outline-offset:2px}
@media(max-width:1100px){.nav-inner{flex-wrap:wrap}nav{gap:12px 18px}.hero h1{font-size:clamp(2.9rem,6vw,5rem)}}
@media(max-width:700px){.nav-inner{padding:14px 5%;gap:14px}.brand{font-size:.92rem}.brand small{font-size:.61rem}.menu-toggle{display:block;margin-left:auto}nav{width:100%;display:flex;gap:12px 20px}html.js #site-nav{display:none}html.js #site-nav.is-open{display:flex}.hero-inner{padding:42px 5%;gap:30px}.hero h1{font-size:clamp(2.65rem,10vw,4rem);line-height:1.02}.hero-image{padding:0 5% 30px}.hero-image img{border-radius:10px}.house-placement{width:min(100%,310px)}.wrap{padding:30px 5%}.page-hero{padding:32px 5% 12px}.page-hero h1{font-size:clamp(2.2rem,9vw,3.3rem);line-height:1.05;overflow-wrap:break-word}.section{padding:30px 0}.footer-inner{padding:28px 5%}.people-row{grid-template-columns:1.3fr .7fr .7fr;font-size:.85rem;gap:8px}.table-controls input{width:min(300px,85vw)}.table-controls>div{max-width:100%}.table-wrap{max-width:100%}.brand img{width:32px;height:32px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* Banking access editorial imagery */
.hero-image img{height:auto;object-fit:contain}.image-caption{font-size:.78rem!important;color:#dce7ec!important;margin:12px 0 0;max-width:none!important}.magazine-cover{display:block;width:100%;height:auto;border-radius:7px}.cover-caption{font-size:.68rem!important;line-height:1.45;color:#526570!important;margin:10px 0!important}.magazine-cta{display:block;font-size:.78rem;font-weight:750;text-align:center;margin:10px 0;text-underline-offset:3px}

/* Keep the magazine news feature separate from the homepage header. */
.hero-inner-story{display:block;padding-bottom:42px}.hero-inner-story>div{max-width:960px}.hero-inner-story h1{max-width:1000px}.news-section>h2{font-size:clamp(2rem,4vw,3.5rem);margin:8px 0 28px}.news-feature{display:grid;grid-template-columns:260px minmax(0,1fr);gap:40px;align-items:center;background:#f2ede3;padding:28px;border-radius:12px}.news-cover-link img{display:block;width:100%;height:auto;box-shadow:0 12px 25px rgba(15,39,56,.15)}.news-copy{max-width:65ch}.news-copy p{color:#465b67}.news-copy .news-deck{font-family:Georgia,serif;font-size:clamp(1.5rem,3vw,2.5rem);line-height:1.2;color:#0c1b28;margin-top:0}.news-art-note{font-size:.75rem;margin-top:22px}.news-copy .button{margin-top:12px}@media(max-width:700px){.hero-inner-story{padding-bottom:30px}.news-feature{grid-template-columns:1fr;gap:24px;padding:22px}.news-cover-link{width:min(100%,260px)}}

/* Larger type for readable report tables and supporting copy. */
body{font-size:1.125rem;line-height:1.65}
nav a{font-size:1.0625rem}
.brand{font-size:1.2rem}.brand small{font-size:.875rem;line-height:1.4}
.kicker{font-size:.9375rem;letter-spacing:.1em}
.hero p,.page-hero p{font-size:1.1875rem;line-height:1.65}
.breadcrumb{font-size:1rem}
.stat strong{font-size:2rem}.stat span,.metric span{font-size:1rem;letter-spacing:.035em;line-height:1.5}
.metric strong{font-size:1.75rem}
.table-controls label,.table-controls input,.download-links{font-size:1.0625rem}
.table-status,.table-hint{font-size:1rem;line-height:1.6}
table{min-width:960px}th,td{padding:16px 14px;line-height:1.5}
th{font-size:1rem;letter-spacing:.025em}
td{font-size:1.125rem}
.source-note,.coverage-note,.footer-resources,.footer-note{font-size:1rem;line-height:1.65}
.federation-links{gap:12px 18px;font-size:1.0625rem}
.news-art-note{font-size:1rem;line-height:1.6}
.image-caption{font-size:1rem!important;line-height:1.6}
.people-row{font-size:1.125rem}
.nav-inner{flex-wrap:wrap}
@media(max-width:900px){.stat-line{grid-template-columns:1fr 1fr}.findings,.metric-list{grid-template-columns:1fr}}
@media(max-width:700px){.brand{font-size:1.0625rem}.brand small{font-size:.8125rem}.brand{flex-shrink:1;min-width:0}.brand span{min-width:0}.menu-toggle{font-size:1rem}.people-row{font-size:1rem;grid-template-columns:1.3fr .8fr .8fr}.table-controls input{width:min(360px,85vw)}}
@media(max-width:620px){.stat-line{grid-template-columns:1fr}}

/* Clearly marked advertising and sponsorship inventory. */
.ad-placement{display:flex;align-items:center;justify-content:space-between;gap:24px;margin:30px 0;padding:26px 28px;border:1px dashed #a88750;border-radius:12px;background:#f7f3ea;color:#0c1b28}
.ad-banner{min-height:144px}.ad-sponsor{min-height:128px;background:#edf2f4;border-color:#8ca2ae}
.placement-copy{max-width:65ch}.ad-label{display:block;font-size:.875rem;font-weight:750;letter-spacing:.06em;text-transform:uppercase;color:#526570;margin-bottom:8px}
.placement-title{display:block;font-family:Georgia,serif;font-size:1.45rem;line-height:1.3}
.placement-note{font-size:1rem;line-height:1.6;color:#465b67;margin:10px 0 0}
.placement-button{flex-shrink:0;font-size:1rem}.ad-footer{width:calc(100% - 52px);max-width:1228px;margin:42px auto 28px;min-height:112px}.ad-footer+.federation-footer{margin-top:0}
@media(max-width:700px){.ad-placement{flex-direction:column;align-items:flex-start;gap:18px;padding:22px}.placement-button{max-width:100%}.ad-footer{width:90%;margin:32px auto 24px}.placement-title{font-size:1.35rem}}