*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  color: #1E293B;
  background: #FFFFFF;
  line-height: 1.7;
}

/* Typography */
h1, h2, h3, h4 {
  font-family: Georgia, 'Times New Roman', serif;
  color: #0F172A;
  line-height: 1.3;
}

h1 { font-size: 2.625rem; margin-bottom: 1rem; }
h2 { font-size: 1.875rem; margin-bottom: 0.75rem; margin-top: 2.75rem; }
h3 { font-size: 1.25rem; margin-bottom: 0.5rem; margin-top: 2rem; }
h4 { font-size: 1.0625rem; margin-bottom: 0.375rem; margin-top: 1.5rem; }

p { margin-bottom: 1.25rem; }
p:last-child { margin-bottom: 0; }

a { color: #1E40AF; text-decoration: none; }
a:hover { text-decoration: underline; }

ul, ol { padding-left: 1.5rem; margin-bottom: 1.25rem; }
li { margin-bottom: 0.375rem; }

strong { font-weight: 600; }

/* Nav */
.site-nav {
  background: #0F172A;
  padding: 0 1.5rem;
  position: sticky;
  top: 0;
  z-index: 100;
}

.nav-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 54px;
}

.nav-brand {
  font-family: Georgia, serif;
  font-size: 1.0625rem;
  color: #FFFFFF;
  text-decoration: none;
  white-space: nowrap;
  flex-shrink: 0;
}

.nav-brand:hover { text-decoration: none; color: #E2E8F0; }

.nav-links {
  display: flex;
  gap: 1.25rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-links a {
  color: #94A3B8;
  font-size: 0.8125rem;
  text-decoration: none;
  transition: color 0.15s;
  white-space: nowrap;
}

.nav-links a:hover { color: #FFFFFF; }

/* Layout */
.container {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* Hero */
.hero {
  padding: 3.5rem 0 3rem;
  border-bottom: 1px solid #E2E8F0;
}

.eyebrow {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #1E40AF;
  margin-bottom: 0.75rem;
  font-family: 'Inter', system-ui, sans-serif;
}

.definition-block {
  background: #F8FAFC;
  border-left: 3px solid #1E40AF;
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0 2rem;
  font-size: 1.0625rem;
  line-height: 1.8;
  color: #0F172A;
  font-style: italic;
}

.lead {
  font-size: 1.125rem;
  color: #475569;
  line-height: 1.75;
  margin-bottom: 2rem;
}

/* Stats grid */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: #E2E8F0;
  border: 1px solid #E2E8F0;
  margin: 2rem 0 0;
}

.stat-item {
  background: #FFFFFF;
  padding: 1.25rem 1.5rem;
}

.stat-value {
  font-family: Georgia, serif;
  font-size: 2rem;
  color: #0F172A;
  line-height: 1.15;
  margin-bottom: 0.3rem;
}

.stat-label {
  font-size: 0.75rem;
  color: #64748B;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  line-height: 1.4;
}

/* Content */
.content {
  padding: 3rem 0 2rem;
}

.content section {
  margin-bottom: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid #F1F5F9;
}

.content section:last-child {
  border-bottom: none;
}

/* Page header */
.page-header {
  padding: 3rem 0 2.25rem;
  border-bottom: 1px solid #E2E8F0;
}

.breadcrumb {
  font-size: 0.8125rem;
  color: #94A3B8;
  margin-bottom: 0.875rem;
}

.breadcrumb a { color: #1E40AF; }

.page-header .lead {
  max-width: 680px;
}

/* Tables */
.table-wrap {
  overflow-x: auto;
  margin: 1.5rem 0;
  border: 1px solid #E2E8F0;
  border-radius: 2px;
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9375rem;
  min-width: 480px;
}

thead th {
  background: #0F172A;
  color: #FFFFFF;
  font-family: 'Inter', system-ui, sans-serif;
  font-weight: 600;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  padding: 0.75rem 1rem;
  text-align: left;
  white-space: nowrap;
}

tbody tr:nth-child(odd) { background: #FFFFFF; }
tbody tr:nth-child(even) { background: #F8FAFC; }
tbody tr:hover { background: #EFF6FF; }

tbody td {
  padding: 0.75rem 1rem;
  border-bottom: 1px solid #E2E8F0;
  vertical-align: top;
  line-height: 1.5;
}

tbody tr:last-child td { border-bottom: none; }

.data-note {
  font-size: 0.8125rem;
  color: #64748B;
  font-style: italic;
  margin-top: -0.75rem;
  margin-bottom: 1.5rem;
}

/* Index cards */
.index-card {
  border: 1px solid #E2E8F0;
  padding: 1.75rem;
  margin-bottom: 1.5rem;
}

.index-card h3 {
  margin-top: 0;
  margin-bottom: 0.25rem;
  font-size: 1.25rem;
}

.index-card .provider-tag {
  font-size: 0.8125rem;
  color: #64748B;
  margin-bottom: 1.25rem;
}

.index-meta {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 1rem;
  margin-bottom: 1rem;
}

.meta-item dt {
  font-size: 0.6875rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #94A3B8;
  margin-bottom: 0.2rem;
}

.meta-item dd {
  font-size: 0.9375rem;
  color: #0F172A;
  font-weight: 500;
}

/* Timeline */
.timeline {
  position: relative;
  padding-left: 2.25rem;
  margin: 2rem 0;
}

.timeline::before {
  content: '';
  position: absolute;
  left: 0.3125rem;
  top: 0.4rem;
  bottom: 0.4rem;
  width: 2px;
  background: #E2E8F0;
}

.timeline-item {
  position: relative;
  padding-bottom: 2.5rem;
}

.timeline-item:last-child { padding-bottom: 0; }

.timeline-dot {
  position: absolute;
  left: -2.0625rem;
  top: 0.3125rem;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: #1E40AF;
  border: 2px solid #FFFFFF;
  box-shadow: 0 0 0 2px #1E40AF;
}

.timeline-year {
  font-family: Georgia, serif;
  font-size: 1.375rem;
  color: #0F172A;
  margin-bottom: 0.25rem;
}

.timeline-headline {
  font-size: 0.875rem;
  font-weight: 600;
  color: #1E40AF;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.75rem;
}

/* Compare columns */
.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin: 1.5rem 0;
}

.compare-col {
  border: 1px solid #E2E8F0;
  padding: 1.5rem;
}

.compare-col h4 {
  font-size: 1.0625rem;
  margin-top: 0;
  padding-bottom: 0.75rem;
  border-bottom: 2px solid #E2E8F0;
  margin-bottom: 1rem;
}

.compare-col ul {
  font-size: 0.9375rem;
  line-height: 1.75;
}

/* Performance box */
.perf-note {
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
  font-size: 0.9375rem;
}

.perf-note strong {
  display: block;
  margin-bottom: 0.375rem;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #64748B;
}

/* Callout */
.callout {
  background: #EFF6FF;
  border: 1px solid #BFDBFE;
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
  font-size: 0.9375rem;
  line-height: 1.7;
}

.callout-label {
  font-size: 0.6875rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #1E40AF;
  font-weight: 600;
  margin-bottom: 0.375rem;
}

/* FAQ */
.faq-list { margin: 0; padding: 0; list-style: none; }

.faq-item {
  border-bottom: 1px solid #E2E8F0;
  padding: 1.75rem 0;
}

.faq-item:first-child { padding-top: 0; }
.faq-item:last-child { border-bottom: none; }

.faq-item h3 {
  margin-top: 0;
  margin-bottom: 0.875rem;
  font-size: 1.125rem;
  color: #0F172A;
}

/* Related pages */
.related {
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  padding: 1.5rem;
  margin: 2.5rem 0 0;
}

.related-title {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #64748B;
  margin-bottom: 0.875rem;
  font-family: 'Inter', system-ui, sans-serif;
}

.related-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.625rem;
  list-style: none;
  padding: 0;
  margin: 0;
}

.related-links a {
  background: #FFFFFF;
  border: 1px solid #CBD5E1;
  padding: 0.375rem 0.875rem;
  font-size: 0.875rem;
  color: #1E40AF;
  text-decoration: none;
  transition: border-color 0.15s;
}

.related-links a:hover {
  border-color: #1E40AF;
  text-decoration: none;
}

/* Arrow link */
.arrow-link {
  display: inline-block;
  font-size: 0.9375rem;
  font-weight: 500;
  margin-top: 0.5rem;
}

.arrow-link::after { content: ' →'; }

/* Fund group */
.fund-group { margin-bottom: 3rem; }

.fund-group-header {
  border-bottom: 2px solid #0F172A;
  padding-bottom: 0.5rem;
  margin-bottom: 1rem;
  display: flex;
  align-items: baseline;
  gap: 1rem;
}

.fund-group-header h3 {
  margin: 0;
  font-size: 1.1875rem;
}

.fund-group-header .provider {
  font-size: 0.8125rem;
  color: #64748B;
  font-family: 'Inter', system-ui, sans-serif;
}

/* Footer */
footer {
  background: #0F172A;
  color: #94A3B8;
  padding: 2.5rem 0;
  margin-top: 4rem;
}

.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 3rem;
  align-items: start;
}

.footer-brand {
  font-family: Georgia, serif;
  font-size: 1rem;
  color: #FFFFFF;
  margin-bottom: 0.625rem;
}

.footer-disclaimer {
  font-size: 0.8125rem;
  line-height: 1.65;
  max-width: 520px;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  text-align: right;
}

.footer-links a {
  color: #94A3B8;
  text-decoration: none;
  font-size: 0.8125rem;
  transition: color 0.15s;
}

.footer-links a:hover { color: #FFFFFF; }

/* Responsive */
@media (max-width: 900px) {
  .stats-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.625rem; }

  .nav-links { display: none; }

  .compare-grid { grid-template-columns: 1fr; }

  .footer-inner { grid-template-columns: 1fr; gap: 1.5rem; }
  .footer-links { text-align: left; flex-direction: row; flex-wrap: wrap; gap: 0.5rem 1.25rem; }
}

@media (max-width: 480px) {
  h1 { font-size: 1.75rem; }
  .stats-grid { grid-template-columns: 1fr; }
  .stat-value { font-size: 1.625rem; }
}