/* Risk shares the site palette; contours are an abstract illustration, not data. */
.risk-hero {position:relative;overflow:hidden;min-height:395px;padding:46px 64px;background:linear-gradient(105deg,#e1e7d9 0%,#dce4d2 48%,#cfdbc6 100%);border-bottom:1px solid var(--line);display:flex;align-items:center}
.risk-hero-art {position:absolute;inset:0 0 0 auto;width:88%;height:100%;object-fit:cover;object-position:right center}
.risk-hero:after {content:'';position:absolute;inset:0;background:linear-gradient(90deg,#e1e7d9 2%,#e1e7d9ed 28%,#e1e7d9ab 48%,#e1e7d914 78%)}
.risk-hero .hero-inner {z-index:1}
.risk-hero .eyebrow {color:#61715d}
.risk-hero h1 {font:clamp(42px,4.1vw,62px)/1.1 var(--serif);letter-spacing:-1.8px;margin:0 0 20px;max-width:800px}
.risk-hero h1 span {display:block}
.risk-hero-copy {font-size:13px;line-height:1.85;max-width:530px;color:#4f6556;margin:0 0 22px}
.hero-link {display:inline-flex;align-items:center;gap:23px;font-size:11px;font-weight:600;border-bottom:1px solid #94a28a;padding-bottom:6px}
.hero-link:hover {border-color:var(--forest)}
.hero-link span {font-size:18px;font-weight:400}
.risk-directory {display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:18px;padding:23px 0;border-bottom:1px solid var(--line)}
.risk-directory a {font-size:11px;font-weight:600;line-height:1.65;padding-right:14px;border-right:1px solid var(--line)}
.risk-directory a:last-child {padding-right:0;border:0}
.risk-directory a span {display:block;font:10px var(--sans);letter-spacing:1px;color:#758267;margin-bottom:8px}
.risk-directory a:hover {text-decoration:underline;text-underline-offset:4px}
.risk-section {padding:46px 0;border-bottom:1px solid var(--line)}
.risk-section:last-of-type {border-bottom:0}
.risk-heading {display:grid;grid-template-columns:1fr 1.15fr;gap:42px;align-items:start;margin-bottom:28px}
.risk-heading .eyebrow {font-size:9px;color:var(--muted);letter-spacing:1.65px;margin:0 0 12px}
.risk-heading h2 {font:36px/1.17 var(--serif);letter-spacing:-.8px;margin:0}
.risk-heading>p {font-size:13px;line-height:1.85;color:#4d6353;margin:0}
.factor-grid {display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:17px;margin-bottom:24px}
.factor-card {background:var(--sage);border:1px solid #d5ddcc;padding:22px 24px}
.factor-card .eyebrow {font-size:8px;letter-spacing:1.5px;color:#63735a;margin:0 0 15px}
.factor-count {display:flex;align-items:baseline;gap:12px;font:56px/1 var(--serif);letter-spacing:-2px;color:#829070;margin-bottom:22px}
.factor-count span {font:10px/1.5 var(--sans);letter-spacing:0;color:#5d6e52}
.factor-symbol {font:56px/1 var(--serif);height:56px;letter-spacing:-2px;color:#829070;margin-bottom:22px}
.factor-card h3 {font:25px/1.2 var(--serif);letter-spacing:-.4px;margin:0 0 14px}
.factor-card>p:not(.eyebrow) {font-size:12px;line-height:1.85;color:#4e6351;margin:0}
.factor-specific {background:#f0f0e6}
.risk-disclosure {border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.risk-disclosure>summary {list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:18px 0;font:21px/1.3 var(--serif)}
.risk-disclosure>summary::-webkit-details-marker {display:none}
.risk-disclosure>summary:after {content:'+';font:23px/1 var(--sans);font-weight:400;flex-shrink:0}
.risk-disclosure[open]>summary:after {content:'−'}
.risk-disclosure summary small {display:block;font:10px/1.7 var(--sans);color:#67745f;margin-top:6px}
.risk-detail-grid {display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:27px;padding:14px 0 25px}
.risk-detail-grid h4 {font:21px/1.25 var(--serif);margin:0 0 12px;letter-spacing:-.3px}
.risk-detail-grid p,.method-note {font-size:12px;line-height:1.85;color:#526650;margin:0 0 13px}
.risk-detail-grid p:last-child {margin-bottom:0}
.method-note {padding:15px 0 20px;border-top:1px solid var(--line);font-size:11px;margin:0}
.risk-section>.context-links {margin-top:21px;gap:10px 26px}
.construction-pair {display:grid;grid-template-columns:1fr 1fr;gap:32px;margin:0 0 26px;padding:25px 29px;background:var(--sage);border:1px solid #d5ddcc}
.construction-pair article {display:flex;align-items:flex-start;gap:20px}
.construction-pair article+article {border-left:1px solid #cad3be;padding-left:29px}
.decision-number {font:34px/1 var(--serif);color:#8b987d}
.construction-pair h3 {font:27px/1.2 var(--serif);letter-spacing:-.5px;margin:0 0 10px}
.construction-pair p {font-size:12px;line-height:1.85;color:#526650;margin:0}
.risk-topic-grid,.scenario-grid {display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;margin:0 0 26px}
.risk-topic-grid article {border-top:1px solid var(--line);padding-top:20px}
.risk-topic-grid h3,.scenario-grid h3 {font:25px/1.23 var(--serif);letter-spacing:-.5px;margin:0 0 12px}
.risk-topic-grid p,.scenario-grid p {font-size:12px;line-height:1.85;color:#526650;margin:0}
.capital-panel {padding:29px 30px 23px;background:#e1e8d7;border:1px solid #cbd5bf;border-top:2px solid #8d9c7a;margin-bottom:28px}
.capital-intro {display:grid;grid-template-columns:1fr 1.1fr;gap:34px;margin-bottom:26px;align-items:start}
.capital-intro .eyebrow {font-size:8px;letter-spacing:1.5px;color:#5e7152;margin-bottom:13px}
.capital-intro h3 {font:33px/1.2 var(--serif);letter-spacing:-.7px;margin:0}
.capital-intro>p {font-size:12px;line-height:1.9;color:#4e624b;margin:0}
.capital-steps {list-style:none;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:25px;padding:23px 0 0;margin:0;border-top:1px solid #bfccb1}
.capital-steps li+li {border-left:1px solid #c4cfb8;padding-left:25px}
.capital-steps span {display:block;font-size:9px;color:#5e6e53;margin-bottom:10px}
.capital-steps strong {font:20px/1.3 var(--serif);display:block;margin-bottom:9px}
.capital-steps p {font-size:11px;line-height:1.8;color:#53654e;margin:0}
.capital-caption {font-size:10px;line-height:1.85;color:#586c50;border-top:1px solid #bfccb1;margin:22px 0 0;padding-top:14px}
.scenario-grid article {padding:0 0 0 17px;border-left:2px solid #c6cfb9}
.scenario-grid .eyebrow {font-size:8px;letter-spacing:1.6px;color:#69775f;margin-bottom:11px}
.review-layout {display:grid;grid-template-columns:.9fr 1.2fr;gap:36px;margin-bottom:26px;align-items:start}
.review-principle {background:var(--sage);border:1px solid #d5ddcc;padding:28px}
.review-principle .eyebrow {font-size:8px;letter-spacing:1.6px;color:#617154;margin-bottom:16px}
.review-principle h3 {font:30px/1.23 var(--serif);letter-spacing:-.6px;margin:0 0 18px}
.review-principle>p:last-child {font-size:12px;line-height:1.85;color:#526650;margin:0}
.review-list article {padding:16px 0;border-top:1px solid var(--line)}
.review-list article:first-child {padding-top:0;border-top:0}
.review-list article:last-child {padding-bottom:0}
.review-list h3 {font:22px/1.25 var(--serif);margin:0 0 8px;letter-spacing:-.3px}
.review-list p {font-size:12px;line-height:1.85;color:#526650;margin:0}
@media(min-width:1600px) {.risk-hero {padding-left:76px;min-height:430px}.risk-heading>p {font-size:15px}.factor-card>p:not(.eyebrow) {font-size:13px}}
@media(max-width:1200px) {.risk-hero {padding-left:38px;padding-right:38px}.risk-heading {gap:28px}.risk-heading h2 {font-size:32px}.risk-directory {gap:12px}.risk-directory a {font-size:10px;padding-right:9px}.factor-card {padding:20px 18px}.factor-card h3 {font-size:23px}.factor-count {gap:8px}.risk-topic-grid,.scenario-grid {gap:21px}.construction-pair {gap:22px;padding:23px}.construction-pair article {gap:13px}.construction-pair article+article {padding-left:22px}.capital-intro {gap:25px}.capital-steps {gap:18px}.capital-steps li+li {padding-left:18px}}
@media(max-width:1000px) {.risk-heading {grid-template-columns:1fr;gap:18px}.risk-directory {grid-template-columns:repeat(3,minmax(0,1fr));gap:17px}.risk-directory a:nth-child(3) {border:0}.factor-grid {grid-template-columns:1fr}.factor-card {padding:24px}.factor-count,.factor-symbol {margin-bottom:16px}.factor-card h3 {font-size:26px}.construction-pair {grid-template-columns:1fr;gap:22px}.construction-pair article+article {border-left:0;border-top:1px solid #cad3be;padding:22px 0 0}.risk-detail-grid,.risk-topic-grid,.scenario-grid {grid-template-columns:1fr;gap:23px}.risk-detail-grid>div+div {border-top:1px solid var(--line);padding-top:19px}.capital-intro {grid-template-columns:1fr;gap:18px}.capital-steps {grid-template-columns:1fr;gap:18px}.capital-steps li+li {border-left:0;border-top:1px solid #c4cfb8;padding:17px 0 0}.capital-steps span {margin-bottom:5px}.capital-steps strong {margin-bottom:5px}.review-layout {grid-template-columns:1fr;gap:25px}}
@media(max-width:800px) {.risk-hero {padding:39px 28px;min-height:380px}.risk-hero h1 {font-size:48px}.risk-hero-copy {max-width:470px}.factor-grid {grid-template-columns:repeat(3,minmax(0,1fr));gap:13px}.factor-card {padding:21px 17px}.factor-card h3 {font-size:23px}.factor-count {flex-wrap:wrap;gap:9px;font-size:47px}.factor-symbol {font-size:47px;height:71px}.factor-count span {flex-basis:100%}.capital-steps {grid-template-columns:repeat(3,minmax(0,1fr))}.capital-steps li+li {border-top:0;border-left:1px solid #c4cfb8;padding:0 0 0 18px}.capital-steps strong {font-size:19px}}
@media(max-width:600px) {.risk-hero {padding:35px 24px;min-height:405px}.risk-hero h1 {font-size:40px;letter-spacing:-1.1px}.risk-hero-copy {font-size:12px}.risk-hero-art {width:160%;right:-50%;opacity:.85}.risk-hero:after {background:linear-gradient(90deg,#e1e7d9f2 4%,#e1e7d9bd 52%,#e1e7d929 100%)}.risk-directory {grid-template-columns:1fr 1fr;gap:18px 14px;padding:22px 0}.risk-directory a:nth-child(2n) {border:0}.risk-directory a:nth-child(3) {border-right:1px solid var(--line)}.risk-section {padding:33px 0}.risk-heading {gap:15px;margin-bottom:24px}.risk-heading h2 {font-size:30px}.risk-heading>p {font-size:12px}.factor-grid {grid-template-columns:1fr;gap:15px}.factor-card {padding:23px}.factor-count {flex-wrap:nowrap;font-size:52px;gap:14px}.factor-count span {flex-basis:auto}.factor-symbol {font-size:52px;height:52px}.factor-card h3 {font-size:27px}.risk-disclosure>summary {font-size:21px}.risk-disclosure summary small {font-size:10px}.construction-pair {padding:23px}.risk-topic-grid h3,.scenario-grid h3 {font-size:25px}.capital-panel {padding:24px 23px 20px}.capital-intro h3 {font-size:30px}.capital-steps {grid-template-columns:1fr}.capital-steps li+li {border-left:0;border-top:1px solid #c4cfb8;padding:17px 0 0}.capital-steps strong {font-size:21px}.capital-caption {font-size:10px}.review-principle {padding:25px}}