.ib-rg3 .wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}.ib-rg3 section{padding:64px 0;border-top:1px solid var(--line)}.ib-rg3 section:first-of-type{border-top:0}.ib-rg3 h1{font-size:clamp(2rem,5vw,3.1rem);font-weight:800}.ib-rg3 header.site{border-bottom:1px solid var(--line);position:sticky;top:0;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);z-index:20}.ib-rg3 header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}.ib-rg3 .logo{font-weight:800;letter-spacing:.02em;text-decoration:none;color:var(--ink);font-size:1.12rem}.ib-rg3 header.site nav{display:none;gap:24px;font-size:.94rem}.ib-rg3 header.site nav a{color:var(--ink-soft);text-decoration:none}.ib-rg3 header.site nav a:hover{color:var(--ink)}@media (min-width:860px){.ib-rg3 header.site nav{display:flex}}.ib-rg3 .hero{padding:72px 0 60px}.ib-rg3 .hero .lead{max-width:60ch}.ib-rg3 .facts{display:grid;gap:14px;grid-template-columns:1fr;margin-top:42px}@media (min-width:720px){.ib-rg3 .facts{grid-template-columns:repeat(4,1fr)}}.ib-rg3 .fact{border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;background:var(--bg-alt)}.ib-rg3 .fact strong{display:block;font-size:.97rem}.ib-rg3 .fact span{font-size:.87rem;color:var(--ink-soft)}.ib-rg3 .grid{display:grid;gap:22px;grid-template-columns:1fr;margin-top:34px}@media (min-width:760px){.ib-rg3 .grid.two{grid-template-columns:1fr 1fr}.ib-rg3 .grid.three{grid-template-columns:repeat(3,1fr)}}.ib-rg3 .card{border:1px solid var(--line);border-radius:var(--radius);padding:24px}.ib-rg3 .card p{font-size:.97rem;color:var(--ink-soft);margin-bottom:0}.ib-rg3 .num{width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.95rem;margin-bottom:14px}.ib-rg3 .alt{background:var(--bg-alt)}.ib-rg3 details{border-bottom:1px solid var(--line);padding:18px 0}.ib-rg3 details summary{cursor:pointer;font-weight:650;font-size:1.03rem;list-style:none;display:flex;justify-content:space-between;gap:16px}.ib-rg3 details summary::-webkit-details-marker{display:none}.ib-rg3 details summary::after{content:"+";color:var(--accent);font-weight:700;font-size:1.3rem;line-height:1}.ib-rg3 details[open] summary::after{content:"–"}.ib-rg3 details p{margin:14px 0 0;color:var(--ink-soft);font-size:.98rem}.ib-rg3 .cta{background:var(--ink);color:#fff;border-radius:var(--radius);padding:44px 32px;margin:0 0 8px}.ib-rg3 .cta h2{color:#fff}.ib-rg3 .cta p{color:#c9ccd2}.ib-rg3 .cta .btn{background:#fff;color:var(--ink);border-color:#fff}.ib-rg3 .contact{display:grid;gap:8px;margin-top:26px;font-size:.97rem;color:#c9ccd2}.ib-rg3 .contact a{color:#fff}.ib-rg3 .note{font-size:.87rem;color:var(--ink-soft);border-left:3px solid var(--line);padding-left:16px;max-width:70ch}.ib-rg3 footer.site{border-top:1px solid var(--line);padding:38px 0;font-size:.9rem;color:var(--ink-soft)}.ib-rg3 footer.site a{color:var(--ink-soft);text-decoration:none;margin-right:18px}.ib-rg3 footer.site a:hover{color:var(--ink)}.ib-rg3 .breadcrumb{font-size:.85rem;color:var(--ink-soft);padding:18px 0 0}.ib-rg3 .breadcrumb a{color:var(--ink-soft);text-decoration:none}.ib-rg3 h1{font-weight:800}.ib-rg3 .num{background:var(--accent)}.ib-rg3 .cta{background:linear-gradient(135deg,var(--accent-dark) 0%,var(--ink) 100%)}.ib-rg3 .cta .btn{background:var(--accent-light);color:#0e5a4c;border-color:var(--accent-light)}.ib-rg3 .cta .btn.ghost{background:0 0;color:#fff;border-color:rgba(220,239,233,.55)}