*{margin:0;padding:0;box-sizing:border-box}
        :root{
            --bg:#fff;--text:#333;--muted:#999;--light:#b5b5b5;--line:#e5e5e5;--dark:#1a1a1a;
            --blue:#2a6cb6;--blue-bg:#f0f5fb;
            --teal:#1a7a5a;--teal-bg:#edf7f2;
            --amber:#8a5a10;--amber-bg:#fdf5e6;
            --coral:#a04020;--coral-bg:#fdf0eb;
            --purple:#6b46a8;--purple-bg:#f4f0fa;
            --slate:#445566;--slate-bg:#f0f2f5;
            --red:#993030;--red-bg:#fdf0f0;
        }
        ::selection{background:#d5d5d5;color:var(--dark)}
        html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
        body{font-family:'Source Serif 4',Georgia,serif;background:var(--bg);color:var(--text);line-height:1.75;font-size:17px;-webkit-font-smoothing:antialiased}

        .layout{display:flex;min-height:100vh;max-width:1060px;margin:0 auto;padding:56px 32px 56px 0}
        nav{position:sticky;top:56px;align-self:flex-start;min-width:150px;padding:0 36px 0 32px;text-align:right}
        nav a{display:block;font-family:'Inter',sans-serif;font-size:14px;font-weight:400;color:var(--muted);text-decoration:none;padding:4px 0;transition:color .2s}
        nav a:hover{color:var(--dark)}
        nav a.active{color:var(--dark);font-weight:500;text-decoration:underline;text-underline-offset:4px;text-decoration-thickness:1px}
        .nav-sep{height:1px;background:var(--line);margin:10px 0}
        .nav-back{color:var(--light) !important;font-size:13px !important}
        .nav-back:hover{color:var(--dark) !important}
        .divider{width:1px;background:var(--line);flex-shrink:0}
        main{flex:1;padding-left:48px;max-width:680px}

        .page-label{font-family:'Inter',sans-serif;font-size:13px;color:var(--light);margin-bottom:2px}
        .page-name{font-size:20px;font-weight:400;color:var(--dark);margin-bottom:40px}

        section{margin-bottom:52px;scroll-margin-top:40px}
        section h2{font-size:17px;font-weight:700;color:var(--dark);margin-bottom:14px;text-transform:lowercase}
        section p{margin-bottom:10px}
        section p:last-child{margin-bottom:0}

        .note{border-left:3px solid var(--blue);padding:10px 16px;margin:16px 0;font-size:15px;background:var(--blue-bg);color:var(--blue)}
        .note-teal{border-left:3px solid var(--teal);padding:10px 16px;margin:16px 0;font-size:15px;background:var(--teal-bg);color:var(--teal)}
        .note-amber{border-left:3px solid var(--amber);padding:10px 16px;margin:16px 0;font-size:15px;background:var(--amber-bg);color:var(--amber)}
        em{font-style:italic}
        strong{font-weight:600;color:var(--dark)}

        /* ══════════════════════════════════════════
           INTERACTIVE TIMELINE
        ══════════════════════════════════════════ */

        .timeline-wrap{margin:28px 0 0}

        /* Stage selector tabs */
        .stage-tabs{
            display:grid;
            grid-template-columns:repeat(6,1fr);
            gap:0;
            border:1px solid var(--line);
            margin-bottom:0;
            position:relative;
        }

        .stage-tab{
            padding:14px 6px 12px;
            text-align:center;
            cursor:pointer;
            border-right:1px solid var(--line);
            border-bottom:3px solid transparent;
            transition:all .18s;
            user-select:none;
            position:relative;
        }
        .stage-tab:last-child{border-right:none}
        .stage-tab:hover{background:#fafafa}

        .stage-tab.active{
            background:#fff;
            border-bottom-color:var(--dark);
        }

        .st-num{
            font-family:'Inter',sans-serif;
            font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.08em;
            color:var(--light);margin-bottom:5px;
        }
        .st-label{
            font-family:'Inter',sans-serif;
            font-size:11px;font-weight:500;
            color:var(--dark);line-height:1.3;
        }
        .st-icon{
            font-size:17px;margin-bottom:4px;display:block;
            transition:transform .2s;
        }
        .stage-tab:hover .st-icon{transform:translateY(-2px)}

        /* ── Color coding per stage ── */
        .stage-tab[data-stage="0"].active{border-bottom-color:var(--blue)}
        .stage-tab[data-stage="1"].active{border-bottom-color:var(--teal)}
        .stage-tab[data-stage="2"].active{border-bottom-color:var(--teal)}
        .stage-tab[data-stage="3"].active{border-bottom-color:var(--amber)}
        .stage-tab[data-stage="4"].active{border-bottom-color:var(--coral)}
        .stage-tab[data-stage="5"].active{border-bottom-color:var(--red)}

        /* Detail panel */
        .stage-panel{
            border:1px solid var(--line);
            border-top:none;
            display:none;
            animation:fadeIn .2s ease;
        }
        .stage-panel.visible{display:block}

        @keyframes fadeIn{from{opacity:0;transform:translateY(4px)}to{opacity:1;transform:translateY(0)}}

        .panel-header{
            padding:20px 22px 16px;
            border-bottom:1px solid var(--line);
            display:flex;align-items:flex-start;gap:16px;
        }
        .panel-badge{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.1em;
            padding:3px 8px;border:1px solid currentColor;
            flex-shrink:0;margin-top:4px;
        }
        .panel-title{
            font-family:'Inter',sans-serif;font-size:16px;font-weight:600;
            color:var(--dark);margin-bottom:4px;
        }
        .panel-desc{
            font-family:'Inter',sans-serif;font-size:13px;
            color:var(--muted);line-height:1.65;
        }

        /* Four-column info grid */
        .panel-grid{
            display:grid;
            grid-template-columns:1fr 1fr;
            gap:1px;background:var(--line);
        }
        .pg-cell{
            background:#fff;
            padding:16px 18px;
        }
        .pg-label{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.09em;
            color:var(--light);margin-bottom:8px;
            padding-bottom:6px;border-bottom:1px solid var(--line);
        }
        .pg-items{list-style:none}
        .pg-items li{
            font-family:'Inter',sans-serif;font-size:12px;
            color:var(--text);padding:3px 0;
            display:flex;align-items:flex-start;gap:7px;
            line-height:1.5;
        }
        .pg-items li::before{
            content:'—';color:var(--light);
            flex-shrink:0;font-size:10px;
            margin-top:2px;
        }

        /* Risk highlight bar */
        .panel-risk{
            padding:14px 18px;
            display:flex;align-items:flex-start;gap:12px;
            border-top:1px solid var(--line);
        }
        .pr-label{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.09em;
            min-width:90px;flex-shrink:0;
            padding-top:2px;
        }
        .pr-text{
            font-family:'Inter',sans-serif;font-size:13px;
            color:var(--text);line-height:1.6;
        }
        .pr-text strong{font-weight:600;color:var(--dark)}

        /* Model touchpoint pill */
        .panel-model{
            padding:12px 18px;
            border-top:1px solid var(--line);
            display:flex;align-items:center;gap:10px;
            background:#fafafa;
        }
        .pm-label{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.09em;
            color:var(--light);flex-shrink:0;
        }
        .pm-pills{display:flex;flex-wrap:wrap;gap:5px}
        .pm-pill{
            font-family:'Inter',sans-serif;font-size:10px;
            padding:2px 9px;border:1px solid var(--line);
            color:var(--muted);
        }
        .pm-pill.highlight{
            background:var(--blue-bg);
            color:var(--blue);border-color:var(--blue);
        }

        /* ══════════════════════════════════════════
           FLOW CONNECTORS (simplified visual)
        ══════════════════════════════════════════ */

        .flow-connector{
            display:flex;align-items:center;
            gap:0;margin:28px 0;
            font-family:'Inter',sans-serif;font-size:11px;
        }
        .fc-node{
            flex-shrink:0;
            border:1px solid var(--line);
            padding:7px 10px;
            font-weight:500;color:var(--dark);
            font-size:11px;text-align:center;
            min-width:80px;
        }
        .fc-arrow{
            flex:1;height:1px;background:var(--line);
            position:relative;
            min-width:12px;
        }
        .fc-arrow::after{
            content:'▶';
            position:absolute;right:-1px;top:50%;
            transform:translateY(-50%);
            font-size:8px;color:var(--light);
        }

        /* ══════════════════════════════════════════
           TEAM MATRIX
        ══════════════════════════════════════════ */
        .matrix{
            margin:20px 0;
            border:1px solid var(--line);
            overflow:hidden;
        }
        .matrix-row{
            display:grid;
            grid-template-columns:140px 1fr;
            border-bottom:1px solid var(--line);
        }
        .matrix-row:last-child{border-bottom:none}
        .matrix-row.header{background:#fafafa}
        .mx-team{
            padding:10px 14px;
            font-family:'Inter',sans-serif;font-size:11px;font-weight:500;
            color:var(--dark);border-right:1px solid var(--line);
            display:flex;align-items:center;
        }
        .mx-team.label{font-size:9px;font-weight:600;text-transform:uppercase;letter-spacing:.09em;color:var(--light)}
        .mx-stages{
            display:grid;grid-template-columns:repeat(6,1fr);
        }
        .mx-cell{
            padding:9px 4px;
            text-align:center;
            border-right:1px solid var(--line);
            font-size:13px;
        }
        .mx-cell:last-child{border-right:none}
        .mx-cell.label{
            font-family:'Inter',sans-serif;font-size:9px;
            font-weight:600;text-transform:uppercase;
            letter-spacing:.06em;color:var(--light);
            padding:8px 4px;
        }
        .dot-full{color:var(--teal)}
        .dot-part{color:var(--amber)}
        .dot-none{color:var(--line)}

        /* ══════════════════════════════════════════
           KEY INSIGHT CARDS
        ══════════════════════════════════════════ */
        .insight-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:20px 0}
        .insight-card{
            border:1px solid var(--line);padding:16px 18px;
        }
        .ic-kicker{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.09em;
            color:var(--light);margin-bottom:7px;
        }
        .ic-title{
            font-family:'Inter',sans-serif;font-size:13px;font-weight:500;
            color:var(--dark);margin-bottom:5px;line-height:1.4;
        }
        .ic-text{
            font-family:'Inter',sans-serif;font-size:12px;
            color:var(--muted);line-height:1.6;
        }

        /* ══════════════════════════════════════════
           TWO WORLDS (IFRS 9 vs Basel) INTERACTIVE
        ══════════════════════════════════════════ */
        .world-tabs{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);margin:24px 0 0}
        .world-tab{
            padding:11px 8px;text-align:center;cursor:pointer;user-select:none;
            border-right:1px solid var(--line);border-bottom:3px solid transparent;
            font-family:'Inter',sans-serif;font-size:11px;font-weight:500;color:var(--muted);
            transition:all .18s;line-height:1.3;
        }
        .world-tab:last-child{border-right:none}
        .world-tab:hover{background:#fafafa;color:var(--dark)}
        .world-tab.active{color:var(--dark);background:#fff}
        .world-tab .wt-sub{display:block;font-size:9px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:var(--light);margin-top:3px}
        .world-tab[data-state="0"].active{border-bottom-color:var(--teal)}
        .world-tab[data-state="1"].active{border-bottom-color:var(--amber)}
        .world-tab[data-state="2"].active{border-bottom-color:var(--coral)}
        .world-tab[data-state="3"].active{border-bottom-color:var(--blue)}

        .world-grid{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line);border-top:none}
        .world-col{background:#fff;padding:0}
        .wc-head{
            font-family:'Inter',sans-serif;font-size:10px;font-weight:600;text-transform:uppercase;letter-spacing:.07em;
            padding:11px 16px;border-bottom:1px solid var(--line);
        }
        .wc-head.ifrs{background:var(--purple-bg);color:var(--purple)}
        .wc-head.basel{background:var(--blue-bg);color:var(--blue)}
        .wc-body{padding:14px 16px}
        .wc-row{padding:7px 0;border-bottom:1px solid var(--line)}
        .wc-row:last-child{border-bottom:none}
        .wc-k{font-family:'Inter',sans-serif;font-size:9px;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--light);margin-bottom:2px}
        .wc-v{font-family:'Inter',sans-serif;font-size:12px;color:var(--text);line-height:1.5}
        .wc-v strong{color:var(--dark);font-weight:600}
        .wc-num{font-family:'Source Serif 4',serif;font-size:18px;font-weight:600;color:var(--dark)}

        .world-foot{border:1px solid var(--line);border-top:none}
        .wf-rule,.wf-val{padding:12px 16px;display:flex;align-items:flex-start;gap:12px}
        .wf-rule{background:#fafafa;border-bottom:1px solid var(--line)}
        .wf-lab{font-family:'Inter',sans-serif;font-size:9px;font-weight:600;text-transform:uppercase;letter-spacing:.07em;min-width:118px;flex-shrink:0;padding-top:2px}
        .wf-rule .wf-lab{color:var(--slate)}
        .wf-val .wf-lab{color:var(--coral)}
        .wf-txt{font-family:'Inter',sans-serif;font-size:12.5px;color:var(--text);line-height:1.6}
        .wf-txt strong{color:var(--dark);font-weight:600}

        /* Divergence flag */
        .diverge{
            display:inline-block;font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.05em;padding:1px 7px;margin-left:6px;
            background:var(--coral-bg);color:var(--coral);border:1px solid var(--coral);
        }
        .align{background:var(--teal-bg);color:var(--teal);border-color:var(--teal)}

        /* ══════════════════════════════════════════
           REGULATION MAP STRIP
        ══════════════════════════════════════════ */
        .regmap{border:1px solid var(--line);margin:22px 0}
        .regmap-row{display:grid;grid-template-columns:120px 1fr;border-bottom:1px solid var(--line)}
        .regmap-row:last-child{border-bottom:none}
        .rm-stage{padding:10px 12px;font-family:'Inter',sans-serif;font-size:11px;font-weight:600;color:var(--dark);border-right:1px solid var(--line);background:#fafafa;display:flex;align-items:center}
        .rm-rules{padding:9px 12px;display:flex;flex-wrap:wrap;gap:5px;align-items:center}
        .rm-pill{font-family:'Inter',sans-serif;font-size:10px;padding:2px 9px;border:1px solid var(--line);color:var(--muted)}
        .rm-pill.acc{background:var(--purple-bg);color:var(--purple);border-color:var(--purple)}
        .rm-pill.cap{background:var(--blue-bg);color:var(--blue);border-color:var(--blue)}
        .rm-pill.def{background:var(--coral-bg);color:var(--coral);border-color:var(--coral)}

        /* ══════════════════════════════════════════
           PAGE NAV
        ══════════════════════════════════════════ */
        .page-nav{display:flex;gap:12px;margin-top:36px}
        .page-nav-link{
            flex:1;border:1px solid var(--line);padding:14px 18px;
            text-decoration:none;transition:border-color .2s;display:flex;
            align-items:center;
        }
        .page-nav-link:hover{border-color:var(--dark)}
        .page-nav-link.prev{justify-content:flex-start;gap:12px}
        .page-nav-link.next{justify-content:flex-end;gap:12px;text-align:right}
        .pnl-meta{flex:1}
        .pnl-label{font-family:'Inter',sans-serif;font-size:10px;color:var(--light);text-transform:uppercase;letter-spacing:.06em;margin-bottom:3px}
        .pnl-title{font-family:'Inter',sans-serif;font-size:13px;color:var(--dark)}
        .pnl-arrow{font-size:18px;color:var(--muted);flex-shrink:0}

        .footer{margin-top:44px;padding-top:18px;border-top:1px solid var(--line);font-family:'Inter',sans-serif;font-size:12px;color:var(--light)}

        @media(max-width:768px){
            .layout{flex-direction:column;padding:28px 20px}
            nav{position:static;text-align:left;min-width:auto;padding:0 0 24px 0;display:flex;flex-wrap:wrap;gap:3px 14px}
            nav a{display:inline}
            .divider{width:100%;height:1px}
            main{padding-left:0;padding-top:28px;max-width:100%}
            .stage-tabs{grid-template-columns:repeat(3,1fr)}
            .stage-tab{border-bottom:1px solid var(--line)}
            .panel-grid{grid-template-columns:1fr}
            .insight-grid{grid-template-columns:1fr}
            .matrix-row{grid-template-columns:100px 1fr}
        }
    
        .skip-link{position:fixed;left:12px;top:12px;z-index:1000;padding:8px 12px;background:var(--dark);color:#fff;font-family:'Inter',sans-serif;font-size:12px;transform:translateY(-160%);transition:transform .15s}
        .skip-link:focus{transform:translateY(0)}
        :focus-visible{outline:3px solid var(--blue);outline-offset:3px}
        .review-strip{display:flex;flex-wrap:wrap;gap:7px 16px;margin:0 0 30px;padding:10px 12px;border:1px solid var(--line);background:#fafafa;font-family:'Inter',sans-serif;font-size:11px;line-height:1.5;color:var(--muted)}
        .review-strip strong{color:var(--dark)}
        .source-box{margin:46px 0 0;padding-top:18px;border-top:1px solid var(--line)}
        .source-box h2{font-size:15px;border:0;padding:0;margin-bottom:8px;text-transform:none}
        .source-box p{font-family:'Inter',sans-serif;font-size:11px;color:var(--muted);margin-bottom:9px}
        .source-box ul{display:flex;flex-wrap:wrap;gap:7px 16px;list-style:none}
        .source-box a{font-family:'Inter',sans-serif;font-size:11px;color:var(--blue);text-underline-offset:3px}
        [role="button"]{touch-action:manipulation}
        [aria-live="polite"]{contain:content}
        @media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}
        @media(max-width:768px){
            nav{padding-bottom:12px!important;border-bottom:1px solid var(--line)}
            nav .nav-sep{display:none!important}
            nav a{display:none!important}
            nav a[href="../index.html"],nav a[href="dsroadmap2.html"],nav a.nav-back,nav a.active{display:inline-block!important}
            table{width:100%;table-layout:fixed;font-size:11px}
            th,td{padding:7px 5px!important;overflow-wrap:anywhere;word-break:normal}
            .page-nav{flex-direction:column}
            .review-strip{margin-bottom:24px}
        }