@import "https://fonts.googleapis.com/css2?family=Instrument+Sans:wght@400;500;600;700;800&display=swap";
:root{--font:"Instrument Sans", sans-serif}.lroi-page{min-height:80vh;font-family:var(--font);background:#fff}.lroi-hero{text-align:center;background:linear-gradient(120deg,#0d2550 0%,#1a3a6b 45%,#2a6099 100%);padding:80px 24px 70px;position:relative;overflow:hidden}.lroi-hero:before{content:"";background:radial-gradient(60% 80% at 80%,#2a609959 0%,#0000 70%),radial-gradient(40% 60% at 20% 30%,#ffffff0a 0%,#0000 60%);position:absolute;inset:0}.lroi-hero__grid{background-image:linear-gradient(#ffffff0a 1px,#0000 1px),linear-gradient(90deg,#ffffff0a 1px,#0000 1px);background-size:48px 48px;position:absolute;inset:0}.lroi-hero__watermark{color:#ffffff0d;white-space:nowrap;-webkit-user-select:none;user-select:none;pointer-events:none;font-size:90px;font-weight:700;position:absolute;top:50%;transform:translateY(-50%)rotate(-8deg)}.lroi-hero__breadcrumb{z-index:2;color:#fff9;margin-bottom:16px;font-size:13px;position:relative}.lroi-hero__breadcrumb span{color:#ffffff4d;margin:0 8px}.lroi-hero__title{z-index:2;color:#fff;letter-spacing:1px;margin:0 0 20px;font-size:clamp(32px,5vw,52px);font-weight:700;position:relative}.lroi-hero__accent{z-index:2;justify-content:center;align-items:center;gap:12px;margin-bottom:16px;display:flex;position:relative}.lroi-hero__accent-line{background:#e8a02099;border-radius:2px;width:48px;height:2px}.lroi-hero__accent-dot{background:#e8a020;border-radius:50%;width:10px;height:10px;box-shadow:0 0 12px #e8a02099}.lroi-hero__subtitle{z-index:2;color:#ffffff80;letter-spacing:3px;text-transform:uppercase;margin:0;font-size:13px;font-weight:600;position:relative}.lroi-body{max-width:1000px;margin:0 auto;padding:52px 24px 80px}.lroi-top-row{flex-wrap:wrap;justify-content:space-between;align-items:flex-start;gap:20px;margin-bottom:32px;display:flex}.lroi-page-title{color:#1a3a6b;margin:0 0 6px;font-size:28px;font-weight:700}.lroi-page-subtitle{color:#7a8fa6;margin:0;font-size:14px}.lroi-download-btn{color:#fff;white-space:nowrap;cursor:pointer;background:linear-gradient(135deg,#1a3a6b,#2a6099);border:none;border-radius:8px;flex-shrink:0;align-items:center;gap:8px;padding:11px 22px;font-size:13px;font-weight:600;text-decoration:none;transition:transform .2s,box-shadow .2s;display:inline-flex;box-shadow:0 4px 16px #1a3a6b40}.lroi-download-btn:hover{color:#fff;text-decoration:none;transform:translateY(-2px);box-shadow:0 8px 24px #1a3a6b59}.lroi-download-btn svg{flex-shrink:0}.lroi-wef-badge{color:#fff;letter-spacing:.3px;background:linear-gradient(135deg,#1a3a6b,#2a6099);border-radius:6px;align-items:center;gap:8px;margin-bottom:28px;padding:8px 18px;font-size:13px;font-weight:600;display:inline-flex}.lroi-wef-badge span{color:#f0c040;font-weight:700}.lroi-divider{border:none;border-top:1px solid #e8eef5;margin:0 0 36px}.lroi-section-heading{align-items:center;gap:12px;margin-bottom:20px;display:flex}.lroi-section-heading__bar{background:linear-gradient(#1a3a6b,#2a6099);border-radius:2px;flex-shrink:0;width:4px;height:24px}.lroi-section-heading__text{color:#1a3a6b;font-size:16px;font-weight:700}.lroi-section-heading__line{background:linear-gradient(90deg,#dde6f0,#0000);flex:1;height:1px}.lroi-table-wrapper{border:1px solid #e2e8f0;border-radius:10px;margin-bottom:36px;overflow:hidden;box-shadow:0 2px 12px #0000000d}.lroi-table{border-collapse:collapse;width:100%;font-size:14px}.lroi-table thead tr{background:linear-gradient(135deg,#1a3a6b,#2a6099)}.lroi-table thead th{text-align:left;color:#fff;letter-spacing:.3px;border:none;padding:14px 20px;font-size:13px;font-weight:600}.lroi-table thead th:last-child{text-align:center;white-space:nowrap}.lroi-table tbody tr{border-bottom:1px solid #edf2f7;transition:background .15s}.lroi-table tbody tr:last-child{border-bottom:none}.lroi-table tbody tr:hover{background:#f4f8ff}.lroi-table tbody tr:nth-child(2n){background:#f8fafd}.lroi-table tbody tr:nth-child(2n):hover{background:#f0f6ff}.lroi-table tr.lroi-category-row td{color:#1a3a6b;background:linear-gradient(90deg,#f0f4fa,#f8fafd);border-bottom:1px solid #dde6f0;padding:13px 20px;font-size:14px;font-weight:700}.lroi-table tr.lroi-category-row:hover{background:linear-gradient(90deg,#e8eef8,#f4f8fd)}.lroi-table tr.lroi-sub-row td:first-child{color:#4a5568;padding-left:36px;font-size:13.5px}.lroi-table td{color:#374151;vertical-align:middle;padding:13px 20px}.lroi-table td:last-child{text-align:center}.lroi-rate{color:#1a3a6b;background:#2a609914;border:1px solid #2a60992e;border-radius:20px;justify-content:center;align-items:center;min-width:72px;padding:5px 16px;font-size:14px;font-weight:700;display:inline-flex}.lroi-rate--high{color:#b07d10;background:#e8a0201a;border-color:#e8a02040}.lroi-rate--empty{color:#0000;background:0 0;border-color:#0000}.lroi-note-cell{color:#4a5568;font-size:13.5px;line-height:1.75;padding:14px 20px!important}.lroi-note-cell strong{color:#1a3a6b}.lroi-note{color:#374151;background:#f0f6ff;border-left:4px solid #2a6099;border-radius:0 8px 8px 0;margin-top:8px;padding:14px 18px;font-size:13.5px;line-height:1.7}.lroi-note strong{color:#1a3a6b}.lroi-policy-card{background:linear-gradient(135deg,#0d2550,#1a3a6b);border-radius:12px;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:20px;margin-top:36px;padding:28px 32px;display:flex;position:relative;overflow:hidden}.lroi-policy-card:before{content:"";background:#ffffff0a;border-radius:50%;width:160px;height:160px;position:absolute;top:-40px;right:-40px}.lroi-policy-card__left h3{color:#fff;margin:0 0 6px;font-size:18px;font-weight:700}.lroi-policy-card__left p{color:#fff9;margin:0;font-size:13.5px;line-height:1.6}.lroi-policy-card__btn{color:#fff;white-space:nowrap;cursor:pointer;background:#f28200;border:none;border-radius:8px;flex-shrink:0;align-items:center;gap:8px;padding:12px 24px;font-size:13px;font-weight:700;text-decoration:none;transition:background .2s,transform .2s;display:inline-flex;box-shadow:0 4px 16px #e8a02059}.lroi-policy-card__btn:hover{color:#fff;background:#c8860a;text-decoration:none;transform:translateY(-2px)}@media (max-width:768px){.lroi-body{padding:32px 16px 60px}.lroi-top-row{flex-direction:column;align-items:flex-start}.lroi-table{font-size:13px}.lroi-table thead th,.lroi-table td{padding:10px 12px}.lroi-policy-card{flex-direction:column;padding:22px 20px}}@media (max-width:480px){.lroi-hero{padding:56px 16px 48px}.lroi-table-wrapper{overflow-x:auto}.lroi-table tr.lroi-sub-row td:first-child{padding-left:20px}}.lss-page{min-height:80vh;font-family:var(--font);background:#fff}.lss-hero{text-align:center;background:linear-gradient(120deg,#0d2550 0%,#1a3a6b 45%,#2a6099 100%);padding:80px 24px 70px;position:relative;overflow:hidden}.lss-hero:before{content:"";background:radial-gradient(60% 80% at 80%,#2a609959 0%,#0000 70%),radial-gradient(40% 60% at 20% 30%,#ffffff0a 0%,#0000 60%);position:absolute;inset:0}.lss-hero__grid{background-image:linear-gradient(#ffffff0a 1px,#0000 1px),linear-gradient(90deg,#ffffff0a 1px,#0000 1px);background-size:48px 48px;position:absolute;inset:0}.lss-hero__watermark{color:#ffffff0d;white-space:nowrap;-webkit-user-select:none;user-select:none;pointer-events:none;font-size:90px;font-weight:700;position:absolute;top:50%;transform:translateY(-50%)rotate(-8deg)}.lss-hero__breadcrumb{z-index:2;color:#fff9;margin-bottom:16px;font-size:13px;position:relative}.lss-hero__breadcrumb span{color:#ffffff4d;margin:0 8px}.lss-hero__title{z-index:2;color:#fff;letter-spacing:1px;margin:0 0 20px;font-size:clamp(32px,5vw,52px);font-weight:700;position:relative}.lss-hero__accent{z-index:2;justify-content:center;align-items:center;gap:12px;margin-bottom:16px;display:flex;position:relative}.lss-hero__accent-line{background:#e8a02099;border-radius:2px;width:48px;height:2px}.lss-hero__accent-dot{background:#e8a020;border-radius:50%;width:10px;height:10px;box-shadow:0 0 12px #e8a02099}.lss-hero__subtitle{z-index:2;color:#ffffff80;letter-spacing:3px;text-transform:uppercase;margin:0;font-size:13px;font-weight:600;position:relative}.lss-body{max-width:1000px;margin:0 auto;padding:52px 24px 80px}.lss-page-title{color:#1a3a6b;margin:0 0 6px;font-size:28px;font-weight:700}.lss-page-subtitle{color:#7a8fa6;margin:0 0 36px;font-size:14px}.lss-divider{border:none;border-top:1px solid #e8eef5;margin:0 0 36px}.lss-scheme{border:1px solid #e2e8f0;border-radius:12px;margin-bottom:40px;overflow:hidden;box-shadow:0 2px 16px #0000000f}.lss-scheme__header{text-align:center;background:linear-gradient(135deg,#1a3a6b,#2a6099);justify-content:center;align-items:center;gap:12px;padding:14px 20px;display:flex}.lss-scheme__header-icon{font-size:22px}.lss-scheme__header-title{color:#fff;letter-spacing:.4px;margin:0;font-size:16px;font-weight:700}.lss-table{border-collapse:collapse;width:100%;font-size:14px}.lss-table thead tr{background:#2a6099}.lss-table thead th{text-align:center;color:#fff;letter-spacing:.3px;border-right:1px solid #ffffff26;padding:11px 16px;font-size:13px;font-weight:600}.lss-table thead th:last-child{border-right:none}.lss-table tbody tr{border-bottom:1px solid #edf2f7;transition:background .15s}.lss-table tbody tr:last-child{border-bottom:none}.lss-table tbody tr:hover{background:#f4f8ff}.lss-table td{color:#374151;text-align:center;vertical-align:middle;border-right:1px solid #edf2f7;padding:12px 16px}.lss-table td:last-child{border-right:none}.lss-table td:first-child{color:#1a3a6b;font-weight:600}.lss-rate{color:#1a3a6b;background:#2a609914;border:1px solid #2a609926;border-radius:20px;justify-content:center;align-items:center;min-width:72px;padding:4px 14px;font-size:14px;font-weight:700;display:inline-flex}.lss-scheme__bottom{border-top:1px solid #edf2f7;align-items:stretch;display:flex}.lss-scheme__note{background:#f8fafd;flex:1;padding:18px 20px}.lss-scheme__note-title{color:#c0392b;align-items:center;gap:6px;margin:0 0 8px;font-size:14px;font-weight:700;display:flex}.lss-scheme__note ul{margin:0;padding:0;list-style:none}.lss-scheme__note ul li{color:#374151;align-items:flex-start;gap:8px;margin-bottom:4px;font-size:14px;line-height:1.7;display:flex}.lss-scheme__note ul li:last-child{margin-bottom:0}.lss-scheme__note ul li span.lss-note-num{color:#1a3a6b;flex-shrink:0;font-weight:700}.lss-note-highlight{color:#c0392b;font-weight:700}.lss-scheme__image{background:#f0f4fa;border-left:1px solid #edf2f7;flex-shrink:0;justify-content:center;align-items:center;width:180px;font-size:72px;display:flex}.lss-gold-banner{border:1px solid #e2e8f0;border-radius:12px;align-items:center;gap:0;margin-bottom:40px;display:flex;overflow:hidden;box-shadow:0 2px 16px #0000000f}.lss-gold-banner__content{background:linear-gradient(135deg,#fffdf5,#fef8ee);border-right:1px solid #f0d090;flex:1;padding:28px}.lss-gold-banner__badge{color:#b07d10;letter-spacing:1px;text-transform:uppercase;background:#e8a02026;border:1px solid #e8a0204d;border-radius:20px;align-items:center;gap:6px;margin-bottom:12px;padding:3px 12px;font-size:11px;font-weight:700;display:inline-flex}.lss-gold-banner__title{color:#1a3a6b;margin:0 0 10px;font-size:20px;font-weight:700;line-height:1.3}.lss-gold-banner__desc{color:#374151;margin:0;font-size:15px;line-height:1.8}.lss-gold-banner__desc strong{color:#1a3a6b}.lss-gold-banner__image{background:linear-gradient(135deg,#fdf3dc,#fef8ee);flex-shrink:0;justify-content:center;align-items:center;width:200px;padding:20px;font-size:80px;display:flex}.lss-cta{background:linear-gradient(135deg,#0d2550,#1a3a6b);border-radius:12px;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:20px;margin-top:8px;padding:28px 32px;display:flex;position:relative;overflow:hidden}.lss-cta:before{content:"";background:#ffffff0a;border-radius:50%;width:160px;height:160px;position:absolute;top:-40px;right:-40px}.lss-cta__left h3{color:#fff;margin:0 0 5px;font-size:18px;font-weight:700}.lss-cta__left p{color:#fff9;margin:0;font-size:13.5px}.lss-cta__btn{color:#fff;white-space:nowrap;cursor:pointer;background:#f28200;border:none;border-radius:8px;flex-shrink:0;align-items:center;gap:8px;padding:12px 24px;font-size:13px;font-weight:700;text-decoration:none;transition:background .2s,transform .2s;display:inline-flex;box-shadow:0 4px 16px #e8a02059}.lss-cta__btn:hover{color:#fff;background:#c8860a;text-decoration:none;transform:translateY(-2px)}@media (max-width:768px){.lss-body{padding:32px 16px 60px}.lss-scheme__bottom{flex-direction:column}.lss-scheme__image{border-top:1px solid #edf2f7;border-left:none;width:100%;height:120px}.lss-gold-banner{flex-direction:column}.lss-gold-banner__image{border-top:1px solid #f0d090;border-right:none;width:100%;height:120px}.lss-cta{flex-direction:column;padding:22px 20px}}@media (max-width:480px){.lss-hero{padding:56px 16px 48px}.lss-table{font-size:13px}.lss-table thead th,.lss-table td{padding:9px 10px}.lss-scheme__image{font-size:52px}}