:root{--nrm-blue:#02066f;--nrm-red:#ed155d;--nrm-gold:#b28735;--nrm-turquoise:#55d4da;--ink:#242323;--muted:#616675;--paper:#f7f7fa;--white:#fff;--line:#dfe2ea;--soft-blue:#f1f3ff;--shadow:0 18px 48px rgba(2,6,111,.10);--people:#16743c;--operations:#1448b6;--digital:#6d28d9;--management:#c94e0c;--professional:#087c8c;--content:1320px;--heading-font:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;--body-font:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;--type-small:.875rem;--type-body:1rem;--type-subhead:1.125rem;--type-heading:1.75rem}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--body-font);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}button,a{font:inherit}a{color:inherit}svg{display:block}[hidden]{display:none!important}.shell{width:min(calc(100% - 56px),var(--content));margin-inline:auto}.skip-link{position:fixed;left:14px;top:-90px;z-index:1000;padding:10px 14px;background:var(--white);color:var(--nrm-blue);border:2px solid var(--nrm-red);border-radius:8px;font-weight:800}.skip-link:focus{top:14px}.review-strip{background:var(--nrm-blue);color:var(--white);font-size:var(--type-small);letter-spacing:.03em}.review-strip .shell{min-height:36px;display:flex;align-items:center;justify-content:space-between;gap:16px}.review-strip strong{font-weight:800}.review-strip span{opacity:.78}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(14px)}.header-inner{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:inline-flex;align-items:center;text-decoration:none}.brand img{width:126px;height:auto;display:block}.header-label{color:var(--nrm-blue);font-family:var(--heading-font);font-size:var(--type-small);font-weight:800;letter-spacing:.05em;text-align:right}.hero{background:radial-gradient(circle at 88% 18%,rgba(237,21,93,.09),transparent 29%),linear-gradient(180deg,#fff 0%,#f8f9ff 100%);border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(300px,.65fr);gap:64px;align-items:center;padding:76px 0 66px}.eyebrow{display:inline-flex;color:var(--nrm-red);font-size:var(--type-small);font-weight:900;letter-spacing:.12em;text-transform:uppercase}.hero h1{max-width:780px;margin:22px 0 0;color:var(--nrm-blue);font-family:var(--heading-font);font-size:clamp(2.7rem,4.6vw,4.8rem);line-height:1.08;letter-spacing:-.045em}.hero-question{max-width:760px;margin:26px 0 0;color:var(--nrm-blue);font-size:1.25rem;font-weight:800;line-height:1.5}.hero-context{max-width:770px;margin:18px 0 0;color:var(--muted);font-size:var(--type-body)}.hero-panel{padding:32px;background:var(--white);border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow)}.hero-panel h2{margin:0;color:var(--nrm-blue);font-family:var(--heading-font);font-size:var(--type-subhead);line-height:1.4}.hero-panel p{margin:16px 0 0;color:var(--muted);font-size:var(--type-body)}.hero-panel ol{margin:24px 0 0;padding-left:1.35rem}.hero-panel li{margin:0 0 14px;padding-left:.4rem;color:#3d414d;font-weight:700}.hero-panel li:last-child{margin-bottom:0}.risk-section{padding:58px 0 80px}.section-head{max-width:820px;margin-bottom:34px}.section-head h2{margin:0;color:var(--nrm-blue);font-family:var(--heading-font);font-size:var(--type-heading);line-height:1.25;letter-spacing:-.025em}.section-head p{margin:16px 0 0;color:var(--muted);font-size:var(--type-body)}.risk-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:20px;align-items:stretch}.risk-card{--accent:var(--nrm-blue);min-width:0;background:var(--white);border:1px solid var(--line);border-top:4px solid var(--accent);border-radius:16px;box-shadow:0 8px 26px rgba(2,6,111,.055);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.risk-card--people{--accent:var(--people)}.risk-card--operations{--accent:var(--operations)}.risk-card--digital{--accent:var(--digital)}.risk-card--management{--accent:var(--management)}.risk-card--professional{--accent:var(--professional)}.risk-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.risk-card.is-active{border-color:var(--accent);box-shadow:0 0 0 3px color-mix(in srgb,var(--accent) 16%,transparent),var(--shadow)}.risk-card__button{width:100%;min-height:310px;display:flex;flex-direction:column;align-items:flex-start;padding:30px 25px 26px;border:0;border-radius:14px;background:transparent;color:var(--ink);text-align:left;cursor:pointer}.risk-card__button:focus-visible{outline:3px solid color-mix(in srgb,var(--accent) 38%,white);outline-offset:3px}.risk-icon{width:50px;height:50px;color:var(--accent)}.risk-icon svg,.risk-detail__icon svg,.guide-card__icon svg{width:100%;height:100%;fill:none;stroke:currentColor;stroke-width:2.1;stroke-linecap:round;stroke-linejoin:round}.risk-card__title{margin-top:26px;color:var(--accent);font-family:var(--heading-font);font-size:var(--type-subhead);font-weight:800;line-height:1.45}.risk-card__summary{margin-top:16px;color:#444957;font-size:var(--type-body);line-height:1.6}.risk-card__action{display:flex;align-items:center;gap:9px;margin-top:auto;padding-top:28px;color:var(--nrm-blue);font-size:var(--type-body);font-weight:900}.risk-card__chevron{width:9px;height:9px;border-right:2px solid var(--nrm-red);border-bottom:2px solid var(--nrm-red);transform:rotate(45deg);transition:transform .18s ease}.risk-card.is-active .risk-card__chevron{transform:rotate(225deg)}.risk-detail{--detail-accent:var(--nrm-blue);margin-top:24px;padding:36px;background:var(--white);border:1px solid var(--detail-accent);border-top:5px solid var(--detail-accent);border-radius:18px;box-shadow:var(--shadow)}.risk-detail__header{display:grid;grid-template-columns:56px minmax(0,1fr) auto;gap:22px;align-items:start;padding-bottom:28px;border-bottom:1px solid var(--line)}.risk-detail__icon{width:52px;height:52px;color:var(--detail-accent)}.risk-detail h3{margin:0;color:var(--nrm-blue);font-family:var(--heading-font);font-size:var(--type-heading);line-height:1.35}.risk-detail__intro{margin:12px 0 0;color:var(--muted);max-width:810px;font-size:var(--type-body);line-height:1.65}.risk-detail__close{border:1px solid var(--line);background:var(--white);color:var(--nrm-blue);padding:10px 14px;border-radius:8px;font-size:var(--type-body);font-weight:900;cursor:pointer}.risk-detail__close:hover,.risk-detail__close:focus-visible{border-color:var(--nrm-blue)}.risk-detail__grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr)) minmax(230px,.88fr);padding-top:30px}.detail-column{padding:0 28px;border-right:1px solid var(--line)}.detail-column:first-child{padding-left:0}.detail-column h4{margin:0 0 18px;color:var(--nrm-blue);font-family:var(--heading-font);font-size:var(--type-body);line-height:1.45}.detail-column ul{margin:0;padding-left:1.2rem}.detail-column li{margin:0 0 16px;color:#444956;font-size:var(--type-body);line-height:1.6}.detail-column li:last-child{margin-bottom:0}.guide-card{display:flex;flex-direction:column;align-items:center;margin-left:28px;padding:28px;background:color-mix(in srgb,var(--detail-accent) 5%,white);border:1px solid color-mix(in srgb,var(--detail-accent) 36%,white);border-radius:14px;text-align:center}.guide-card__label{color:var(--nrm-blue);font-size:var(--type-small);font-weight:900;letter-spacing:.06em;text-transform:uppercase}.guide-card__icon{width:50px;height:50px;margin:22px 0 18px;color:var(--detail-accent)}.guide-card h4{margin:0;color:var(--nrm-blue);font-family:var(--heading-font);font-size:var(--type-subhead);line-height:1.45}.guide-card p{margin:14px 0 0;color:var(--muted);font-size:var(--type-body);line-height:1.6}.guide-link{display:inline-flex;justify-content:center;align-items:center;width:100%;margin-top:24px;padding:14px 16px;border:1px solid var(--nrm-blue);border-radius:9px;background:var(--nrm-blue);color:var(--white);text-decoration:none;font-size:var(--type-body);font-weight:900;line-height:1.25;transition:transform .16s ease,background .16s ease}.guide-link:hover,.guide-link:focus-visible{transform:translateY(-1px);background:#15198b}.journey{padding:80px 0;background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.journey-grid{display:grid;grid-template-columns:minmax(0,.72fr) minmax(0,1.28fr);gap:64px;align-items:start}.journey h2{margin:0;color:var(--nrm-blue);font-family:var(--heading-font);font-size:var(--type-heading);line-height:1.25;letter-spacing:-.025em}.journey-copy p{margin:22px 0 0;color:var(--muted);font-size:var(--type-body);line-height:1.65}.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.step{min-height:220px;padding:28px;border:1px solid var(--line);border-radius:16px;background:var(--paper)}.step-no{display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--nrm-blue);color:var(--white);font-weight:900}.step h3{margin:22px 0 0;color:var(--nrm-blue);font-family:var(--heading-font);font-size:var(--type-body)}.step p{margin:14px 0 0;color:var(--muted);font-size:var(--type-body);line-height:1.6}.boundary{padding:56px 0 70px}.boundary-box{padding:32px 34px;background:var(--soft-blue);border-left:5px solid var(--nrm-red);border-radius:0 14px 14px 0}.boundary-box h2{margin:0;color:var(--nrm-blue);font-family:var(--heading-font);font-size:var(--type-subhead)}.boundary-box p{margin:14px 0 0;color:#4d5260;font-size:var(--type-body);line-height:1.6}.site-footer{background:var(--nrm-blue);color:var(--white);padding:34px 0}.footer-grid{display:grid;grid-template-columns:1fr auto;gap:26px;align-items:end}.footer-brand{font-family:var(--heading-font);font-size:var(--type-body);font-weight:900}.footer-copy{margin-top:8px;max-width:820px;color:rgba(255,255,255,.78);font-size:var(--type-small);line-height:1.6}.footer-meta{color:rgba(255,255,255,.68);font-size:var(--type-small);text-align:right;white-space:nowrap}@media(max-width:1240px){.risk-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.risk-card__button{min-height:285px}}@media(max-width:1040px){.hero-grid{grid-template-columns:1fr;gap:30px}.hero-panel{max-width:720px}.risk-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.risk-card__button{min-height:280px}.risk-detail__grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:30px 0}.detail-column:nth-child(2){border-right:0;padding-right:0}.detail-column:nth-child(3){padding-left:0}.guide-card{margin-left:28px}.journey-grid{grid-template-columns:1fr;gap:30px}}@media(max-width:720px){.shell{width:min(calc(100% - 32px),var(--content))}.review-strip .shell{min-height:42px;align-items:flex-start;flex-direction:column;justify-content:center;gap:1px}.review-strip span{font-size:.75rem}.header-inner{min-height:70px}.brand img{width:104px}.header-label{max-width:170px;font-size:.75rem;line-height:1.35}.hero-grid{padding:52px 0 46px}.hero h1{font-size:clamp(2.55rem,13vw,4rem)}.hero-panel{padding:24px}.risk-section{padding:44px 0 60px}.risk-grid{grid-template-columns:1fr}.risk-card__button{min-height:0}.risk-detail{padding:26px 20px}.risk-detail__header{grid-template-columns:44px minmax(0,1fr)}.risk-detail__icon{width:42px;height:42px}.risk-detail__close{grid-column:1/-1;justify-self:start}.risk-detail__grid{grid-template-columns:1fr}.detail-column{padding:24px 0;border-right:0;border-bottom:1px solid var(--line)}.detail-column:first-child{padding-top:0}.detail-column:nth-child(3){padding-left:0}.guide-card{margin:24px 0 0}.steps{grid-template-columns:1fr}.step{min-height:0}.boundary-box{padding:26px 22px}.footer-grid{grid-template-columns:1fr}.footer-meta{text-align:left;white-space:normal}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}