*{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;
            --red:#993030;--red-bg:#fdf0f0;
            --slate:#445566;--slate-bg:#f0f2f5;
        }
        ::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)}

        /* ══════════════════════════════════════════
           AKIŞ DİYAGRAMI — Tıklanabilir node'lar
        ══════════════════════════════════════════ */

        .flow-wrap{margin:24px 0}

        /* Node row */
        .flow-col{
            display:flex;
            flex-direction:column;
            align-items:center;
            gap:0;
        }

        /* Main horizontal flow */
        .flow-main{
            display:flex;
            align-items:center;
            gap:0;
            margin-bottom:0;
        }

        .flow-node{
            min-width:96px;
            padding:12px 10px;
            text-align:center;
            border:2px solid var(--line);
            cursor:pointer;
            transition:all .18s;
            user-select:none;
            background:#fff;
            flex-shrink:0;
        }
        .flow-node:hover{border-color:var(--muted)}
        .flow-node.selected{border-color:var(--dark);box-shadow:inset 0 0 0 1px var(--dark)}

        .flow-node.n-healthy{border-color:var(--teal)}
        .flow-node.n-healthy.selected{background:var(--teal-bg);border-color:var(--teal);box-shadow:none}
        .flow-node.n-watch{border-color:var(--amber)}
        .flow-node.n-watch.selected{background:var(--amber-bg);border-color:var(--amber);box-shadow:none}
        .flow-node.n-default{border-color:var(--coral)}
        .flow-node.n-default.selected{background:var(--coral-bg);border-color:var(--coral);box-shadow:none}
        .flow-node.n-recovery{border-color:var(--blue)}
        .flow-node.n-recovery.selected{background:var(--blue-bg);border-color:var(--blue);box-shadow:none}
        .flow-node.n-writeoff{border-color:var(--red)}
        .flow-node.n-writeoff.selected{background:var(--red-bg);border-color:var(--red);box-shadow:none}
        .flow-node.n-cured{border-color:var(--teal)}
        .flow-node.n-cured.selected{background:var(--teal-bg);border-color:var(--teal);box-shadow:none}

        .fn-icon{font-size:18px;margin-bottom:4px;display:block}
        .fn-label{
            font-family:'Inter',sans-serif;font-size:10px;font-weight:600;
            color:var(--dark);line-height:1.3;
        }
        .fn-sub{
            font-family:'Inter',sans-serif;font-size:9px;color:var(--muted);
            margin-top:2px;line-height:1.3;
        }

        /* Arrow between nodes */
        .flow-arrow{
            flex:1;min-width:18px;
            display:flex;flex-direction:column;
            align-items:center;gap:2px;
        }
        .fa-line{
            height:2px;width:100%;background:var(--line);
            position:relative;
        }
        .fa-line::after{
            content:'▶';position:absolute;right:-1px;top:50%;
            transform:translateY(-50%);font-size:9px;color:var(--light);
        }
        .fa-label{
            font-family:'Inter',sans-serif;font-size:9px;color:var(--light);
            white-space:nowrap;
        }

        /* Branch arrows — from default down */
        .flow-branches{
            display:grid;
            grid-template-columns:1fr 1fr;
            gap:12px;
            margin-top:8px;
            padding-left:60px; /* align under default node */
        }

        .branch-item{
            display:flex;flex-direction:column;align-items:center;gap:0;
        }
        .branch-line{
            width:2px;height:20px;background:var(--line);position:relative;
        }
        .branch-line::after{
            content:'▼';position:absolute;bottom:-2px;left:50%;
            transform:translateX(-50%);font-size:9px;color:var(--light);
        }
        .branch-label{
            font-family:'Inter',sans-serif;font-size:9px;color:var(--light);
            margin-bottom:4px;
        }
        .flow-branch-stem{display:flex;gap:0;margin-top:0;padding-left:440px}
        .flow-branch-grid{display:flex;gap:12px;padding-left:360px;margin-top:0}
        .flow-cure-row{display:flex;gap:12px;padding-left:360px;margin-top:8px;align-items:center}
        .flow-cure-item{width:88px;display:flex;flex-direction:column;align-items:center;gap:0}

        /* Detail panel */
        .node-detail{
            border:1px solid var(--line);
            margin-top:16px;
            display:none;
            animation:slideDown .2s ease;
        }
        .node-detail.visible{display:block}

        @keyframes slideDown{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:translateY(0)}}

        .nd-header{
            padding:14px 18px;border-bottom:1px solid var(--line);
            display:flex;align-items:center;gap:12px;
        }
        .nd-badge{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.09em;
            padding:3px 9px;border:1px solid currentColor;flex-shrink:0;
        }
        .nd-title{
            font-family:'Inter',sans-serif;font-size:14px;font-weight:600;color:var(--dark);
        }
        .nd-grid{
            display:grid;grid-template-columns:1fr 1fr;
            gap:1px;background:var(--line);
        }
        .nd-cell{background:#fff;padding:14px 16px}
        .nd-label{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.09em;
            color:var(--light);margin-bottom:7px;
        }
        .nd-list{list-style:none}
        .nd-list li{
            font-family:'Inter',sans-serif;font-size:12px;color:var(--text);
            padding:2px 0;display:flex;gap:7px;line-height:1.5;
        }
        .nd-list li::before{content:'—';color:var(--light);flex-shrink:0;font-size:10px;margin-top:2px}
        .nd-note{
            padding:10px 16px;font-family:'Inter',sans-serif;font-size:12px;
            color:var(--text);line-height:1.6;border-top:1px solid var(--line);
            background:#fafafa;
        }
        .nd-note strong{color:var(--dark)}

        /* ══════════════════════════════════════════
           YENİDEN YAPILANDIRMA SEÇENEKLERİ — Accordion
        ══════════════════════════════════════════ */

        .restr-list{margin:20px 0}
        .restr-item{
            border:1px solid var(--line);margin-bottom:6px;
            transition:border-color .15s;
        }
        .restr-item.open{border-color:var(--muted)}
        .restr-header{
            display:flex;align-items:center;gap:12px;
            padding:13px 16px;cursor:pointer;user-select:none;
        }
        .restr-header:hover{background:#fafafa}
        .rh-icon{font-size:16px;flex-shrink:0}
        .rh-main{flex:1}
        .rh-title{font-family:'Inter',sans-serif;font-size:13px;font-weight:500;color:var(--dark);margin-bottom:1px}
        .rh-sub{font-family:'Inter',sans-serif;font-size:11px;color:var(--muted)}
        .rh-tag{
            font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.07em;
            padding:2px 8px;border:1px solid currentColor;flex-shrink:0;
        }
        .rh-toggle{font-size:16px;color:var(--light);transition:transform .18s;flex-shrink:0}
        .restr-item.open .rh-toggle{transform:rotate(45deg)}

        .restr-body{
            display:none;padding:0 16px 16px;
        }
        .restr-item.open .restr-body{display:block;animation:fadeIn .2s ease}
        @keyframes fadeIn{from{opacity:0}to{opacity:1}}

        .rb-grid{
            display:grid;grid-template-columns:1fr 1fr 1fr;
            gap:1px;background:var(--line);border:1px solid var(--line);margin-bottom:10px;
        }
        .rb-cell{background:#fff;padding:12px 12px}
        .rb-label{font-family:'Inter',sans-serif;font-size:9px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--light);margin-bottom:5px}
        .rb-text{font-family:'Inter',sans-serif;font-size:11px;color:var(--text);line-height:1.55}
        .rb-note{font-family:'Inter',sans-serif;font-size:12px;color:var(--muted);line-height:1.6;font-style:italic;padding-top:2px}

        /* ══════════════════════════════════════════
           LGD & RECOVERY SİMÜLATÖRÜ
        ══════════════════════════════════════════ */

        .lgd-sim{border:1px solid var(--line);margin:20px 0;overflow:hidden}
        .lgd-sim-header{
            padding:12px 16px;background:#fafafa;
            border-bottom:1px solid var(--line);
            font-family:'Inter',sans-serif;font-size:11px;font-weight:600;
            text-transform:uppercase;letter-spacing:.08em;color:var(--light);
        }
        .lgd-sim-body{padding:18px 18px 14px}

        .slider-row{
            display:grid;grid-template-columns:160px 1fr 70px;
            align-items:center;gap:14px;margin-bottom:12px;
        }
        .sl-label{font-family:'Inter',sans-serif;font-size:11px;font-weight:500;color:var(--dark);text-align:right}
        .sl-range{
            -webkit-appearance:none;appearance:none;
            width:100%;height:4px;background:var(--line);outline:none;cursor:pointer;border-radius:0;
        }
        .sl-range::-webkit-slider-thumb{
            -webkit-appearance:none;appearance:none;
            width:14px;height:14px;border-radius:50%;
            background:var(--dark);cursor:pointer;
            border:2px solid #fff;box-shadow:0 0 0 1px var(--dark);
        }
        .sl-val{font-family:'Inter',sans-serif;font-size:12px;font-weight:600;color:var(--dark)}

        .lgd-result{
            display:grid;grid-template-columns:repeat(4,1fr);
            gap:1px;background:var(--line);border:1px solid var(--line);
            margin-top:16px;
        }
        .lr-cell{background:#fff;padding:13px 12px;text-align:center}
        .lr-label{font-family:'Inter',sans-serif;font-size:9px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--light);margin-bottom:6px}
        .lr-val{font-family:'Source Serif 4',serif;font-size:19px;font-weight:600;color:var(--dark);line-height:1.1;margin-bottom:2px}
        .lr-sub{font-family:'Inter',sans-serif;font-size:10px;color:var(--muted)}
        .lr-cell.highlight{background:var(--coral-bg)}
        .lr-cell.highlight .lr-val{color:var(--coral)}
        .lr-cell.good{background:var(--teal-bg)}
        .lr-cell.good .lr-val{color:var(--teal)}

        .lgd-formula{
            background:#fafafa;border:1px solid var(--line);border-top:none;
            padding:10px 16px;font-family:'Inter',sans-serif;font-size:12px;color:var(--text);
        }
        .lgd-formula .f-eq{font-size:12px;font-weight:500;color:var(--dark);line-height:1.7}
        .lgd-formula .f-eq span{color:var(--coral);font-weight:600}
        .lgd-formula .f-note{font-size:11px;color:var(--muted);margin-top:4px;line-height:1.5}

        /* ══════════════════════════════════════════
           FORBORNE EXPOSURE
        ══════════════════════════════════════════ */

        .forborne-grid{
            display:grid;grid-template-columns:1fr 1fr;
            gap:12px;margin:18px 0;
        }
        .fb-card{border:1px solid var(--line);padding:16px 16px}
        .fb-title{font-family:'Inter',sans-serif;font-size:12px;font-weight:600;color:var(--dark);margin-bottom:6px}
        .fb-text{font-family:'Inter',sans-serif;font-size:12px;color:var(--muted);line-height:1.6}
        .fb-tag{
            display:inline-block;font-family:'Inter',sans-serif;font-size:9px;font-weight:600;
            text-transform:uppercase;letter-spacing:.07em;padding:2px 7px;
            border:1px solid currentColor;margin-bottom:7px;
        }

        /* ══════════════════════════════════════════
           NPL BACKSTOP (CALENDAR PROVISIONING)
        ══════════════════════════════════════════ */
        .bs{border:1px solid var(--line);margin:22px 0}
        .bs-ctrl{padding:18px;background:#fafafa;border-bottom:1px solid var(--line)}
        .bs-row{display:flex;align-items:center;gap:14px;margin-bottom:14px;flex-wrap:wrap}
        .bs-row:last-child{margin-bottom:0}
        .bs-lbl{font-family:'Inter',sans-serif;font-size:11px;font-weight:600;color:var(--dark);min-width:140px;flex-shrink:0}
        .bs-lbl span{display:block;font-weight:400;font-size:10px;color:var(--muted)}
        .bs input[type=range]{flex:1;accent-color:var(--coral);height:3px;min-width:120px}
        .bs-v{font-family:'Source Serif 4',serif;font-size:16px;font-weight:600;color:var(--coral);min-width:84px;text-align:right}
        .bs-seg{display:inline-flex;border:1px solid var(--line);flex-wrap:wrap}
        .bs-seg button{font-family:'Inter',sans-serif;font-size:11px;padding:6px 12px;border:none;background:#fff;color:var(--muted);cursor:pointer;border-right:1px solid var(--line)}
        .bs-seg button:last-child{border-right:none}
        .bs-seg button.on{background:var(--coral);color:#fff}
        /* year strip */
        .bs-years{display:grid;grid-template-columns:repeat(10,1fr);border:1px solid var(--line);border-top:none}
        .by{padding:8px 2px;text-align:center;cursor:pointer;border-right:1px solid var(--line);transition:all .12s;border-bottom:3px solid transparent}
        .by:last-child{border-right:none}
        .by:hover{background:#fafafa}
        .by.on{background:#fff;border-bottom-color:var(--coral)}
        .by-y{font-family:'Inter',sans-serif;font-size:10px;font-weight:600;color:var(--dark)}
        .by-f{font-family:'Source Serif 4',serif;font-size:12px;font-weight:600;color:var(--coral);margin-top:1px}
        /* output */
        .bs-out{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-top:none}
        .bo-cell{background:#fff;padding:14px 10px;text-align:center}
        .bo-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;min-height:22px}
        .bo-v{font-family:'Source Serif 4',serif;font-size:18px;font-weight:600;color:var(--dark)}
        .bo-v small{font-size:10px;color:var(--muted);font-weight:400}
        .bo-cell.hit .bo-v{color:var(--coral)}
        .bs-msg{padding:12px 16px;border:1px solid var(--line);border-top:none;font-family:'Inter',sans-serif;font-size:12px;line-height:1.6;color:var(--text);background:#fff}
        .bs-msg strong{color:var(--dark)}

        /* ══════════════════════════════════════════
           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%}
            .nd-grid,.rb-grid,.lgd-result,.forborne-grid{grid-template-columns:1fr 1fr}
            .slider-row{grid-template-columns:120px 1fr 55px}
            .flow-main{flex-wrap:wrap;gap:6px;justify-content:center}
            .flow-arrow{min-width:12px}
            .flow-branches{padding-left:0}
            .flow-branch-stem{padding-left:0;justify-content:center}
            .flow-branch-grid{padding-left:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:6px}
            .flow-branch-grid .flow-node{min-width:0!important;width:100%;padding:10px 5px}
            .flow-cure-row{padding-left:0;justify-content:center}
            .bs-out{grid-template-columns:repeat(2,minmax(0,1fr))}
        }
    
        .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}
        }