:root{--bal-navy:#14245f;--bal-blue:#2146b7;--bal-mint:#4ee0bf;--bal-ink:#111b3e;--bal-muted:#5f6d8f;--bal-line:#dbe3f3;--bal-bg:#f4f7fd;--bal-white:#fff}*{box-sizing:border-box}body{margin:0;font-family:Inter,Arial,sans-serif;background:var(--bal-bg);color:var(--bal-ink);line-height:1.55}.bal-wrap{width:min(1120px,calc(100% - 32px));margin:auto}.bal-header{background:#fff;border-bottom:1px solid var(--bal-line)}.bal-header .bal-wrap{min-height:68px;display:flex;align-items:center;justify-content:space-between;gap:20px}.bal-logo{font-size:1.25rem;font-weight:800;color:var(--bal-navy);text-decoration:none}.bal-logo b{display:inline-grid;place-items:center;width:34px;height:34px;margin-right:8px;border-radius:10px;background:var(--bal-navy);color:var(--bal-mint)}.bal-langs{display:flex;gap:5px}.bal-langs a{padding:7px 9px;border-radius:20px;color:#536080;text-decoration:none;font-size:.8rem;font-weight:800}.bal-langs a[aria-current=page]{background:#e9efff;color:var(--bal-blue)}.bal-hero{padding:58px 0 110px;background:linear-gradient(130deg,#14245f,#2146b7 72%,#167e82)}.bal-hero h1,.bal-hero h2,.bal-hero p,.bal-hero .bal-kicker{color:#fff!important}.bal-hero h1{max-width:760px;margin:10px 0 14px;font-size:clamp(2.15rem,5vw,4.2rem);line-height:1.03}.bal-kicker{font-weight:800;letter-spacing:.08em;text-transform:uppercase;font-size:.78rem}.bal-hero p{max-width:690px;margin:0;font-size:1.08rem}.bal-card{position:relative;margin:-72px auto 34px;background:#fff;border:1px solid var(--bal-line);border-radius:24px;box-shadow:0 20px 55px rgba(18,36,95,.16);padding:30px}.bal-brand{display:flex;align-items:center;gap:16px}.bal-mark{display:grid;place-items:center;width:62px;height:62px;border-radius:18px;background:#e6fbf5;color:#08785f;font-size:1.2rem;font-weight:900}.bal-card h2{margin:0;color:var(--bal-ink);font-size:1.65rem}.bal-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:24px 0}.bal-fact{background:#f7f9fe;border:1px solid var(--bal-line);border-radius:14px;padding:14px}.bal-fact small{display:block;color:var(--bal-muted);font-weight:700}.bal-fact strong{display:block;margin-top:3px;color:var(--bal-ink);font-size:1.05rem}.bal-btn{display:inline-flex;justify-content:center;align-items:center;min-height:52px;padding:14px 24px;border-radius:13px;background:var(--bal-blue);color:#fff!important;text-decoration:none;font-weight:850}.bal-btn:hover{background:#18378f}.bal-note{margin:13px 0 0;color:var(--bal-muted);font-size:.88rem}.bal-section{padding:28px 0}.bal-section h2{margin:0 0 14px;font-size:1.65rem}.bal-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.bal-panel{background:#fff;border:1px solid var(--bal-line);border-radius:18px;padding:22px}.bal-panel p{margin:8px 0}.bal-evidence{border-left:5px solid var(--bal-mint)}.bal-source{color:var(--bal-blue);font-weight:750}.bal-bottom{margin:36px auto 52px;padding:26px;border-radius:20px;background:#e7efff}.bal-bottom h2,.bal-bottom p{color:var(--bal-ink)}.bal-bottom a{color:var(--bal-blue);font-weight:800}.brand-campaign-link{margin:24px 0;padding:18px 20px;border:1px solid #cfdaf2;border-radius:16px;background:#f3f7ff}.brand-campaign-link strong{display:block;margin-bottom:5px;color:#14245f}.brand-campaign-link a{display:inline-block;margin-top:8px;color:#1742b3;font-weight:800}.brand-campaign-grid{margin:28px 0;padding:20px;border:1px solid #d7e0f1;border-radius:18px;background:#f7f9fe}.brand-campaign-grid h2{margin-top:0}.brand-campaign-grid-links{display:flex;flex-wrap:wrap;gap:9px}.brand-campaign-grid-links a{padding:8px 11px;border-radius:999px;background:#fff;border:1px solid #d7e0f1;color:#1742b3;font-weight:750}
@media(max-width:720px){.bal-wrap{width:min(100% - 22px,1120px)}.bal-header .bal-wrap{min-height:60px}.bal-logo{font-size:1.05rem}.bal-logo b{width:30px;height:30px}.bal-langs a{padding:6px}.bal-hero{padding:42px 0 96px}.bal-card{padding:21px;margin-top:-64px}.bal-facts,.bal-grid{grid-template-columns:1fr}.bal-btn{display:flex;width:100%;text-align:center}.bal-brand{align-items:flex-start}.bal-mark{width:52px;height:52px;flex:0 0 auto}.bal-card h2{font-size:1.35rem}}
.bal-alternatives{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:18px 0}.bal-alt{background:#fff;border:1px solid var(--bal-line);border-radius:17px;padding:19px}.bal-alt h3{margin:0 0 8px}.bal-alt-amount,.bal-alt-example{margin:7px 0;color:var(--bal-muted)}.bal-alt a{display:inline-block;margin-top:7px;color:var(--bal-blue);font-weight:800}.bal-method{margin-top:16px}.bal-steps{padding-left:22px}.bal-steps li{margin:9px 0}.bal-short{font-weight:850;color:var(--bal-blue)}.bal-hold{width:min(1120px,calc(100% - 32px));margin:0 auto 22px;padding:13px 17px;border-radius:13px;background:#fff2ce;color:#684900;font-weight:750}.bal-footer{padding:25px 0;border-top:1px solid var(--bal-line);background:#fff}.bal-footer .bal-wrap{display:flex;align-items:center;justify-content:space-between;gap:18px}.bal-footer nav{display:flex;flex-wrap:wrap;gap:15px}.bal-footer a{color:var(--bal-navy);font-weight:750;text-decoration:none}@media(max-width:720px){.bal-alternatives{grid-template-columns:1fr}.bal-footer .bal-wrap{align-items:flex-start;flex-direction:column}}
.skip-link{position:absolute!important;left:-10000px!important;top:auto!important;width:1px!important;height:1px!important;overflow:hidden!important}.skip-link:focus{position:fixed!important;left:12px!important;top:10px!important;width:auto!important;height:auto!important;overflow:visible!important;z-index:10000;padding:10px 14px;border-radius:9px;background:#fff;color:var(--bal-navy);font-weight:850;box-shadow:0 8px 28px rgba(9,23,68,.25)}#main-content{scroll-margin-top:12px}.bal-narrative{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.bal-story-card{position:relative;display:grid;grid-template-columns:42px 1fr;gap:13px;align-items:start;min-height:148px;padding:20px;border:1px solid var(--bal-line);border-radius:18px;background:linear-gradient(145deg,#fff,#f7f9ff);box-shadow:0 8px 24px rgba(20,36,95,.06);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.bal-story-card:hover{transform:translateY(-3px);border-color:#b9c9ee;box-shadow:0 14px 32px rgba(20,36,95,.11)}.bal-story-index{display:grid;place-items:center;width:38px;height:38px;border-radius:12px;background:#e7fbf5;color:#08785f;font-size:.78rem;font-weight:900}.bal-story-card p{margin:0 0 9px;color:#273454}.bal-story-card p:last-child{margin-bottom:0}.bal-story-card:nth-child(3n+2) .bal-story-index{background:#e9efff;color:var(--bal-blue)}.bal-story-card:nth-child(3n) .bal-story-index{background:#fff2ce;color:#765500}.bal-detail-card{position:relative;overflow:hidden;padding-left:27px}.bal-detail-card:before{content:"";position:absolute;left:0;top:0;bottom:0;width:6px;background:var(--bal-mint)}.bal-detail-process:before{background:#7d9df0}.bal-detail-card p{position:relative;margin:13px 0;padding-left:18px;color:#34415f}.bal-detail-card p:before{content:"";position:absolute;left:0;top:.67em;width:7px;height:7px;border-radius:50%;background:#27b998}.bal-detail-process p:before{background:#5475d5}.bal-source{display:inline-flex;align-items:center;gap:6px;padding:7px 10px;border:1px solid #cbd8f3;border-radius:10px;background:#f5f8ff;text-decoration:none}.bal-source:after{content:"↗";font-size:.85em}@media(max-width:720px){.bal-narrative{grid-template-columns:1fr}.bal-story-card{min-height:0;padding:17px;grid-template-columns:36px 1fr}.bal-story-index{width:34px;height:34px}.bal-story-card:hover{transform:none}}