*{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}

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

        /* ══════════════════════════════════════════
           ORIGINATION PIPELINE
        ══════════════════════════════════════════ */

        .pipeline{margin:24px 0}

        .pipe-step{
            display:grid;
            grid-template-columns:40px 1fr;
            gap:0;
            margin-bottom:2px;
            cursor:pointer;
        }

        /* Vertical connector line */
        .pipe-connector{
            display:flex;flex-direction:column;
            align-items:center;
            position:relative;
        }
        .pipe-dot{
            width:14px;height:14px;border-radius:50%;
            border:2px solid var(--line);background:#fff;
            flex-shrink:0;margin-top:14px;
            transition:all .18s;z-index:1;
        }
        .pipe-line{
            width:2px;flex:1;background:var(--line);
            margin-top:2px;
        }
        .pipe-step:last-child .pipe-line{display:none}
        .pipe-step.active .pipe-dot,
        .pipe-step:hover .pipe-dot{
            border-color:var(--dark);background:var(--dark);
        }
        .pipe-step.active .pipe-dot{background:var(--dark)}

        /* Color overrides per step */
        .pipe-step[data-step="0"].active .pipe-dot{background:var(--blue);border-color:var(--blue)}
        .pipe-step[data-step="1"].active .pipe-dot{background:var(--blue);border-color:var(--blue)}
        .pipe-step[data-step="2"].active .pipe-dot{background:var(--teal);border-color:var(--teal)}
        .pipe-step[data-step="3"].active .pipe-dot{background:var(--teal);border-color:var(--teal)}
        .pipe-step[data-step="4"].active .pipe-dot{background:var(--amber);border-color:var(--amber)}
        .pipe-step[data-step="5"].active .pipe-dot{background:var(--purple);border-color:var(--purple)}
        .pipe-step[data-step="6"].active .pipe-dot{background:var(--coral);border-color:var(--coral)}

        .pipe-body{
            border:1px solid var(--line);
            margin-left:8px;
            margin-bottom:0;
            transition:border-color .18s;
            overflow:hidden;
        }
        .pipe-step.active .pipe-body{border-color:var(--muted)}
        .pipe-step:hover:not(.active) .pipe-body{border-color:#ccc}

        .pipe-header{
            display:flex;align-items:center;gap:12px;
            padding:12px 16px;
            user-select:none;
        }
        .pipe-num{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.1em;
            color:var(--light);min-width:28px;
        }
        .pipe-title-wrap{flex:1}
        .pipe-title{
            font-family:'Inter',sans-serif;font-size:13px;font-weight:500;
            color:var(--dark);margin-bottom:1px;
        }
        .pipe-sub{
            font-family:'Inter',sans-serif;font-size:11px;color:var(--muted);
        }
        .pipe-toggle{
            font-family:'Inter',sans-serif;font-size:16px;
            color:var(--light);transition:transform .18s;flex-shrink:0;
        }
        .pipe-step.active .pipe-toggle{transform:rotate(45deg)}

        /* Risk badge on header */
        .pipe-risk-dot{
            width:8px;height:8px;border-radius:50%;
            flex-shrink:0;
        }

        /* Expanded content */
        .pipe-content{
            display:none;
            padding:0 16px 16px;
            border-top:1px solid var(--line);
        }
        .pipe-step.active .pipe-content{display:block;animation:fadeIn .2s ease}

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

        .pipe-grid{
            display:grid;grid-template-columns:1fr 1fr;
            gap:1px;background:var(--line);border:1px solid var(--line);
            margin:14px 0 12px;
        }
        .pc-cell{background:#fff;padding:14px 14px}
        .pc-label{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.09em;
            color:var(--light);margin-bottom:7px;
        }
        .pc-text{font-family:'Inter',sans-serif;font-size:12px;color:var(--text);line-height:1.6}
        .pc-text ul{list-style:none;padding:0}
        .pc-text ul li{padding:2px 0;display:flex;gap:7px;align-items:flex-start}
        .pc-text ul li::before{content:'—';color:var(--light);flex-shrink:0;font-size:10px;margin-top:2px}

        .pipe-risk-bar{
            padding:10px 14px;background:#fafafa;
            border:1px solid var(--line);
            display:flex;align-items:flex-start;gap:10px;
        }
        .prb-label{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.09em;
            min-width:80px;flex-shrink:0;padding-top:2px;
        }
        .prb-text{font-family:'Inter',sans-serif;font-size:12px;color:var(--text);line-height:1.6}

        /* Decision gate */
        .decision-gate{
            display:flex;align-items:center;gap:0;
            margin:14px 0 12px;
        }
        .dg-box{
            flex:1;border:1px solid var(--line);
            padding:10px 12px;text-align:center;
        }
        .dg-label{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.08em;
            color:var(--light);margin-bottom:4px;
        }
        .dg-value{
            font-family:'Inter',sans-serif;font-size:12px;font-weight:500;
            color:var(--dark);line-height:1.4;
        }
        .dg-arrow{
            font-size:11px;color:var(--light);
            padding:0 8px;flex-shrink:0;
        }

        /* ══════════════════════════════════════════
           MODEL vs EXPERT JUDGMENT SECTION
        ══════════════════════════════════════════ */

        .versus-wrap{margin:20px 0}

        .versus-grid{
            display:grid;grid-template-columns:1fr 40px 1fr;
            gap:0;border:1px solid var(--line);
            overflow:hidden;margin-bottom:14px;
        }
        .vg-col{padding:18px 18px}
        .vg-col.model{background:var(--blue-bg)}
        .vg-col.human{background:var(--teal-bg)}
        .vg-center{
            display:flex;align-items:center;justify-content:center;
            background:#fafafa;border-left:1px solid var(--line);border-right:1px solid var(--line);
            font-family:'Inter',sans-serif;font-size:11px;font-weight:600;
            color:var(--light);writing-mode:vertical-rl;text-orientation:mixed;
            letter-spacing:.08em;
        }
        .vg-title{
            font-family:'Inter',sans-serif;font-size:10px;font-weight:600;
            text-transform:uppercase;letter-spacing:.09em;
            margin-bottom:10px;padding-bottom:8px;border-bottom:1px solid var(--line);
        }
        .vg-col.model .vg-title{color:var(--blue)}
        .vg-col.human .vg-title{color:var(--teal)}
        .vg-list{list-style:none;padding:0}
        .vg-list li{
            font-family:'Inter',sans-serif;font-size:12px;color:var(--text);
            padding:3px 0;display:flex;gap:7px;align-items:flex-start;
            line-height:1.5;
        }
        .vg-list li::before{content:'·';color:var(--muted);flex-shrink:0;font-size:14px;line-height:1.4}

        /* Override scenario */
        .override-box{
            border:1px solid var(--amber);
            background:var(--amber-bg);
            padding:16px 18px;
        }
        .ob-title{
            font-family:'Inter',sans-serif;font-size:12px;font-weight:600;
            color:var(--amber);margin-bottom:8px;
            text-transform:uppercase;letter-spacing:.07em;
        }
        .ob-scenarios{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:10px}
        .ob-sc{
            background:#fff;border:1px solid var(--line);
            padding:12px 14px;
        }
        .ob-sc-label{
            font-family:'Inter',sans-serif;font-size:10px;font-weight:600;
            color:var(--muted);text-transform:uppercase;letter-spacing:.07em;
            margin-bottom:5px;
        }
        .ob-sc-text{font-family:'Inter',sans-serif;font-size:12px;color:var(--text);line-height:1.5}

        /* ══════════════════════════════════════════
           DATA QUALITY BREAK POINTS
        ══════════════════════════════════════════ */

        .dq-list{margin:20px 0}

        .dq-item{
            border:1px solid var(--line);
            margin-bottom:6px;
            display:grid;
            grid-template-columns:4px 1fr;
            overflow:hidden;
        }
        .dq-stripe{background:var(--coral)}
        .dq-stripe.warn{background:var(--amber)}
        .dq-stripe.info{background:var(--blue)}

        .dq-body{padding:13px 16px}
        .dq-head{
            display:flex;align-items:center;justify-content:space-between;
            gap:10px;margin-bottom:5px;
        }
        .dq-name{
            font-family:'Inter',sans-serif;font-size:13px;font-weight:500;
            color:var(--dark);
        }
        .dq-severity{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.09em;
            padding:2px 8px;border:1px solid currentColor;
            flex-shrink:0;
        }
        .dq-severity.high{color:var(--coral)}
        .dq-severity.med{color:var(--amber)}
        .dq-severity.low{color:var(--blue)}
        .dq-text{font-family:'Inter',sans-serif;font-size:12px;color:var(--muted);line-height:1.6}
        .dq-impact{
            margin-top:6px;font-family:'Inter',sans-serif;font-size:11px;
            color:var(--text);
        }
        .dq-impact span{font-weight:600}

        /* ══════════════════════════════════════════
           APPROVAL OUTCOME PANEL
        ══════════════════════════════════════════ */

        .outcome-grid{
            display:grid;grid-template-columns:1fr 1fr 1fr;
            gap:1px;background:var(--line);border:1px solid var(--line);
            margin:20px 0;
        }
        .og-cell{background:#fff;padding:16px 16px}
        .og-label{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.09em;
            color:var(--light);margin-bottom:6px;
        }
        .og-outcome{
            font-family:'Inter',sans-serif;font-size:13px;font-weight:500;
            color:var(--dark);margin-bottom:5px;
        }
        .og-text{font-family:'Inter',sans-serif;font-size:12px;color:var(--muted);line-height:1.55}

        /* ══════════════════════════════════════════
           IRB CALCULATOR (PD floor → rating → RWA → price)
        ══════════════════════════════════════════ */
        .calc{border:1px solid var(--line);margin:24px 0}
        .calc-controls{padding:18px 18px 14px;border-bottom:1px solid var(--line);background:#fafafa}
        .calc-ctrl-row{display:flex;align-items:center;gap:14px;margin-bottom:14px}
        .calc-ctrl-row:last-child{margin-bottom:0}
        .calc-lbl{font-family:'Inter',sans-serif;font-size:11px;font-weight:600;color:var(--dark);min-width:128px;flex-shrink:0}
        .calc-lbl span{display:block;font-weight:400;font-size:10px;color:var(--muted)}
        .calc input[type=range]{flex:1;accent-color:var(--blue);height:3px}
        .calc-val{font-family:'Source Serif 4',serif;font-size:16px;font-weight:600;color:var(--blue);min-width:74px;text-align:right}
        .calc-seg{display:inline-flex;border:1px solid var(--line)}
        .calc-seg button{font-family:'Inter',sans-serif;font-size:11px;padding:5px 12px;border:none;background:#fff;color:var(--muted);cursor:pointer;border-right:1px solid var(--line)}
        .calc-seg button:last-child{border-right:none}
        .calc-seg button.on{background:var(--blue);color:#fff}

        .calc-flow{display:grid;grid-template-columns:repeat(5,1fr);gap:1px;background:var(--line)}
        .cf-cell{background:#fff;padding:14px 10px;text-align:center}
        .cf-k{font-family:'Inter',sans-serif;font-size:8.5px;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--light);margin-bottom:6px;line-height:1.3;min-height:22px}
        .cf-v{font-family:'Source Serif 4',serif;font-size:20px;font-weight:600;color:var(--dark);line-height:1.1}
        .cf-v small{font-size:11px;color:var(--muted);font-weight:400}
        .cf-sub{font-family:'Inter',sans-serif;font-size:9px;color:var(--muted);margin-top:4px;line-height:1.3}
        .cf-cell.floor-on{background:var(--amber-bg)}
        .cf-cell.floor-on .cf-v{color:var(--amber)}
        .calc-msg{padding:12px 16px;border-top:1px solid var(--line);font-family:'Inter',sans-serif;font-size:12px;line-height:1.6;color:var(--text);background:#fff}
        .calc-msg strong{color:var(--dark)}
        .calc-msg.warn{background:var(--amber-bg);color:var(--amber)}
        .calc-msg.warn strong{color:var(--amber)}

        /* PIT vs TTC cycle SVG holder */
        .cycle-wrap{border:1px solid var(--line);padding:18px;margin:22px 0}
        .cycle-legend{display:flex;gap:20px;justify-content:center;margin-top:10px;font-family:'Inter',sans-serif;font-size:11px;color:var(--muted)}
        .cycle-legend span{display:inline-flex;align-items:center;gap:6px}
        .cl-swatch{width:14px;height:3px;display:inline-block}

        /* ══════════════════════════════════════════
           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%}
            .pipe-grid{grid-template-columns:1fr}
            .versus-grid{grid-template-columns:1fr}
            .vg-center{display:none}
            .ob-scenarios{grid-template-columns:1fr}
            .outcome-grid{grid-template-columns: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}
        }