.summary-report{background:var(--cz-cream);color:#0a1628}.summary-layout{max-width:1440px}.summary-report-cover{border:1px solid var(--cz-border);background:#fff;border-radius:24px;grid-template-columns:1.4fr 1fr;display:grid;overflow:hidden}.summary-cover-copy{padding:clamp(28px,4vw,64px)}.summary-eyebrow{letter-spacing:.16em;color:var(--cz-muted);font-size:11px;font-weight:800}.summary-cover-company{color:#3f3f46;margin-top:32px;font-size:17px;font-weight:700}.summary-report-cover h1{letter-spacing:-.045em;word-break:keep-all;margin-top:12px;font-size:clamp(32px,4vw,58px);font-weight:900;line-height:1.2}.summary-report-cover h1 span{color:var(--cz-navy)}.summary-cover-description{letter-spacing:-.02em;margin-top:28px;font-size:clamp(18px,2vw,23px);font-weight:700;line-height:1.6}.summary-cover-context{max-width:470px;color:var(--cz-muted);word-break:keep-all;margin-top:12px;font-size:14px;line-height:1.85}.summary-cover-meta{border-top:1px solid var(--cz-border);flex-wrap:wrap;gap:16px 28px;margin-top:32px;padding-top:24px;display:flex}.summary-cover-meta dt{color:var(--cz-muted);font-size:11px}.summary-cover-meta dd{overflow-wrap:anywhere;max-width:280px;margin-top:5px;font-size:13px;font-weight:700}.summary-cover-insights{background:var(--cz-navy);color:#fff;flex-direction:column;justify-content:center;padding:clamp(28px,4vw,52px);display:flex}.summary-cover-insight-heading>span{letter-spacing:.16em;color:#a9bfd7;font-size:10px}.summary-cover-insight-heading h2{letter-spacing:-.025em;margin-top:14px;margin-bottom:24px;font-size:25px;font-weight:700;line-height:1.4}.summary-cover-opportunity{border-top:1px solid #ffffff24;padding:20px 0}.summary-cover-opportunity>span{color:#d3e0ee;gap:14px;font-size:13px;display:flex}.summary-cover-opportunity b{color:#91acc9;font-size:11px}.summary-cover-opportunity strong{letter-spacing:-.035em;color:var(--cz-gold);overflow-wrap:anywhere;margin-top:9px;font-size:clamp(25px,3vw,36px);line-height:1.2;display:block}.summary-cover-opportunity small{color:#a9bfd7;margin-top:8px;font-size:12px;display:block}.summary-cover-disclaimer{color:#a9bfd7;margin-top:16px;font-size:11px;line-height:1.8}.summary-reading-layout{grid-template-columns:248px minmax(0,1fr);align-items:start;gap:32px;margin-top:40px;display:grid}.summary-sidebar{max-height:calc(100dvh - 170px);padding:8px 0;position:sticky;top:152px;overflow-y:auto}.summary-sidebar-note{border-top:1px solid var(--cz-border);margin:20px 14px 0;padding-top:20px;font-size:13px;font-weight:700}.summary-sidebar-note p{color:var(--cz-muted);margin-top:8px;font-size:12px;font-weight:400;line-height:1.8}.summary-sidebar-note button{color:var(--cz-navy);cursor:pointer;margin-top:14px;font-size:12px}.summary-chapters{gap:24px;min-width:0;display:grid}.summary-sheet{border:1px solid var(--cz-border);background:#fff;border-radius:20px;min-width:0;padding:clamp(20px,3vw,40px);scroll-margin-top:150px}.summary-kicker{color:var(--cz-navy);margin-bottom:12px;font-size:16px;font-weight:800;line-height:1.5}.summary-sheet h2{letter-spacing:-.035em;word-break:keep-all;margin-top:10px;font-size:clamp(25px,2.5vw,33px);font-weight:800;line-height:1.4}.summary-sheet h3{margin:30px 0 14px;font-size:16px;font-weight:700}.summary-metric-grid{grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin-top:24px;display:grid}.summary-metric-card{border:1px solid var(--cz-border);background:var(--cz-cream);border-radius:12px;padding:20px}.summary-metric-card span{color:var(--cz-muted);font-size:12px;line-height:1.6}.summary-metric-card strong{overflow-wrap:anywhere;color:var(--cz-navy);letter-spacing:-.03em;margin-top:10px;font-size:clamp(23px,2.5vw,30px);font-weight:800;line-height:1.2;display:block}.summary-step{border-bottom:1px solid var(--cz-border);grid-template-columns:58px 150px minmax(0,1fr);align-items:center;gap:14px;padding:20px 0;font-size:13px;display:grid}.summary-step b{color:var(--cz-navy);font-size:11px}.summary-step strong{font-weight:700}.summary-step span{color:var(--cz-muted);word-break:keep-all;overflow-wrap:anywhere;line-height:1.8}.summary-note{border-left:3px solid var(--cz-gold);background:var(--cz-gold-light);color:var(--cz-muted);border-radius:0 10px 10px 0;margin-top:24px;padding:18px 20px;font-size:13px;line-height:1.85}.summary-sheet table{font-variant-numeric:tabular-nums}.summary-sheet table th,.summary-sheet table td{border-bottom:1px solid var(--cz-border);padding:14px 12px;font-size:12px}.summary-sheet table thead{background:var(--cz-cream);color:var(--cz-muted)}.summary-sheet table th{font-weight:700}.summary-sheet table tbody tr:last-child td{border-bottom:0}.summary-sheet table tbody tr:hover{background:var(--cz-paper)}.summary-sheet table th:not(:first-child),.summary-sheet table td:not(:first-child){text-align:right}.summary-danger{color:var(--cz-navy)!important}.summary-total{background:var(--cz-cream);color:var(--cz-navy);border-radius:10px;flex-wrap:wrap;justify-content:space-between;gap:10px;margin-top:12px;padding:16px 18px;font-size:13px;font-weight:700;display:flex}.summary-total strong{font-variant-numeric:tabular-nums}.summary-footnote{color:var(--cz-muted);margin-top:18px;font-size:11px;line-height:1.8}.summary-next{background:var(--cz-navy);color:#fff;border-radius:12px;grid-template-columns:80px 1fr;gap:18px;margin-top:28px;padding:24px;font-size:13px;line-height:1.85;display:grid}.summary-report a:focus-visible,.summary-report button:focus-visible{outline:3px solid var(--cz-gold);outline-offset:4px}@media (max-width:1100px){.summary-reading-layout{grid-template-columns:210px minmax(0,1fr);gap:20px}.summary-step{grid-template-columns:55px 1fr}.summary-step span{grid-column:2}}@media (max-width:767px){.summary-report-cover{border-radius:18px;grid-template-columns:1fr}.summary-cover-insight-heading h2 br{display:none}.summary-cover-insight-heading h2{font-size:20px}.summary-cover-opportunity{padding:16px 0}.summary-cover-opportunity strong{font-size:28px}.summary-reading-layout{grid-template-columns:minmax(0,1fr);margin-top:24px}.summary-sidebar{border:1px solid var(--cz-border);background:#fff;border-radius:16px;max-height:none;padding:20px 12px;position:static}.summary-sheet{border-radius:16px;scroll-margin-top:200px}.summary-metric-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.summary-metric-card{padding:16px 12px}.summary-next{grid-template-columns:1fr;gap:8px}}@media (prefers-reduced-motion:no-preference){html:has(.summary-report){scroll-behavior:smooth}}.summary-report{font-family:var(--font-pretendard)}.summary-report-cover h1 em{color:#c8102e;font-style:normal}.summary-cover-opportunity strong,.summary-metric-card strong{font-family:var(--font-mono,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-weight:900}.summary-sidebar .report-navigation{width:auto;display:block;position:static}.summary-sidebar .report-navigation-panel{border-color:var(--cz-border)}.summary-sidebar-note{margin-inline:12px}.summary-sheet h2{border-bottom:1px solid var(--cz-border);padding-bottom:16px}.summary-cover-insight-heading>span,.summary-cover-opportunity>span,.summary-cover-opportunity small,.summary-cover-disclaimer{color:#ffffffb3}.summary-cover-opportunity b{color:var(--cz-gold)}@media (max-width:767px){.summary-sidebar{background:0 0;border:0;padding:0}}.summary-sidebar .report-navigation-panel{border-radius:14px;padding:8px;box-shadow:0 1px 3px #0a16281f}.summary-sidebar .report-navigation-panel>p{padding:8px 12px;font-size:10px;line-height:16px}.summary-sidebar .report-navigation-panel a{min-height:36px;padding:8px 12px;font-size:14px;font-weight:700;line-height:20px}.summary-sidebar-note{border:1px solid var(--cz-border);background:#fff;border-radius:14px;margin:20px 0 0;padding:22px 18px;box-shadow:0 2px 8px #0a16280a}.summary-sidebar-note>strong{letter-spacing:-.025em;color:var(--cz-navy);font-size:17px;line-height:1.5}.summary-sidebar-note p{color:var(--cz-muted);word-break:keep-all;margin-top:10px;font-size:14px;font-weight:500;line-height:1.8}.summary-sidebar-note button{background:var(--cz-navy);color:#fff;border-radius:9px;justify-content:space-between;align-items:center;width:100%;margin-top:20px;padding:12px 14px;font-size:13px;font-weight:700;transition:background .15s;display:flex}.summary-sidebar-note button:hover{background:var(--cz-navy-soft)}.summary-metric-card{background:#fff;border-radius:12px;padding:22px;position:relative;overflow:hidden;box-shadow:0 3px 12px #0a16280a}.summary-metric-heading{justify-content:space-between;align-items:center;gap:12px;display:flex}.summary-metric-heading span{font-size:13px;font-weight:700}.summary-metric-heading svg{color:var(--cz-navy);opacity:.6;flex:none}.summary-metric-card strong{margin-top:16px;font-size:clamp(25px,2.5vw,32px)}.summary-total{border:1px solid var(--cz-border);border-left:3px solid var(--cz-gold)}.summary-total strong{font-size:16px}@media (max-width:767px){.summary-sidebar-note{display:block}.summary-metric-card{padding:18px 14px}.summary-metric-heading{align-items:start;gap:8px}}.summary-report .summary-sidebar .report-navigation-panel>p{color:#122d64;padding:10px 12px 12px;font-size:11px;font-weight:800}.summary-report .summary-sidebar .report-navigation-panel a{letter-spacing:-.02em;color:#46536b;background:0 0;border-radius:9px;min-height:42px;margin:0;padding:10px 12px;font-size:15px;font-weight:800;line-height:22px;display:block}.summary-report .summary-sidebar .report-navigation-panel a span{font-size:inherit;font-weight:800;line-height:inherit}.summary-report .summary-sidebar .report-navigation-panel a:hover{color:#122d64;background:#f6f4ef}.summary-report .summary-sidebar .report-navigation-panel a[aria-current=location]{color:#0076ad;background:#f0f9ff;box-shadow:0 1px 3px #0a16281f}.summary-report .summary-step{grid-template-columns:minmax(180px,28%) minmax(0,1fr);gap:24px;padding:22px 12px}.summary-step-heading{justify-content:center;align-items:center;gap:12px;display:flex}.summary-step-heading b{text-align:center;white-space:nowrap;flex:none}.summary-step-heading strong{line-height:1.6}.summary-report .summary-step>span{grid-column:auto}.summary-report .summary-note,.summary-report .summary-next{background:var(--cz-navy);color:#fff;border:0;border-radius:12px;grid-template-columns:80px minmax(0,1fr);align-items:start;gap:18px;margin-top:28px;padding:24px;font-size:13px;line-height:1.85;display:grid}.summary-report .summary-note strong,.summary-report .summary-next strong{color:var(--cz-gold);font-weight:700}.summary-report .summary-note span,.summary-report .summary-next span{color:#fff;word-break:keep-all;overflow-wrap:anywhere}@media (max-width:767px){.summary-report .summary-step{grid-template-columns:minmax(0,1fr);gap:10px;padding:20px 8px}.summary-step-heading{justify-content:flex-start}.summary-report .summary-note,.summary-report .summary-next{grid-template-columns:minmax(0,1fr);gap:8px;padding:20px}}@media (max-width:1023px){.summary-report .summary-sidebar{display:none}.summary-report .summary-reading-layout{grid-template-columns:minmax(0,1fr);gap:0}.summary-report{padding-bottom:100px}}.summary-report .summary-step{grid-template-columns:210px minmax(0,1fr);gap:22px;padding:18px 16px;font-size:14px}.summary-report #summary-conclusion .summary-step{grid-template-columns:150px minmax(0,1fr)}.summary-report .summary-step-heading{justify-content:flex-start;gap:12px}.summary-report .summary-step-heading b{background:var(--cz-cream);border-radius:5px;justify-content:center;align-items:center;min-width:50px;min-height:26px;padding:4px 7px;font-size:10px;font-weight:700;display:inline-flex}.summary-report #summary-conclusion .summary-step-heading b{min-width:26px;padding:4px}.summary-report .summary-step-heading strong{white-space:nowrap;font-size:14px}.summary-report .summary-step>span{font-size:13px;line-height:1.75}@media (max-width:767px){.summary-report .summary-step,.summary-report #summary-conclusion .summary-step{grid-template-columns:minmax(0,1fr);gap:10px;padding:16px 4px}.summary-report .summary-step>span{padding-left:62px}.summary-report #summary-conclusion .summary-step>span{padding-left:38px}}.summary-report .summary-note,.summary-report .summary-next{grid-template-columns:max-content minmax(0,1fr);align-items:baseline;gap:18px;padding:20px 22px}.summary-report .summary-note strong,.summary-report .summary-next strong{white-space:nowrap}@media (max-width:767px){.summary-report .summary-note,.summary-report .summary-next{grid-template-columns:minmax(0,1fr);gap:7px;padding:18px}}.summary-report .summary-step{padding-inline:0}.summary-report .summary-step-heading b{background:var(--cz-navy);color:var(--cz-gold)}@media (max-width:767px){.summary-report .summary-step,.summary-report #summary-conclusion .summary-step{padding-inline:0}}.summary-report .summary-sheet table th,.summary-report .summary-sheet table td{font-family:var(--font-pretendard);font-variant-numeric:tabular-nums;font-size:14px;font-weight:700;line-height:1.5}@media (max-width:767px){.summary-report .summary-sheet table th,.summary-report .summary-sheet table td{font-size:13px}}.summary-report .summary-total{border:1px solid var(--cz-navy);background:var(--cz-navy);color:#fff;border-left:0;border-radius:12px;align-items:center;margin-top:16px;padding:20px 24px;box-shadow:0 4px 12px #122d641a}.summary-total-label{align-items:center;gap:12px;font-size:14px;font-weight:700;display:inline-flex}.summary-total-label svg{color:var(--cz-gold);flex:none}.summary-total-amount{align-items:baseline;gap:8px;display:inline-flex}.summary-report .summary-total strong{color:var(--cz-gold);font-family:var(--font-pretendard);letter-spacing:-.025em;font-size:clamp(23px,2.3vw,28px);font-weight:800;line-height:1.25}.summary-total-amount small{color:#ffffffb3;font-size:12px;font-weight:500}@media (max-width:767px){.summary-report .summary-total{gap:14px;padding:18px}.summary-total-label{gap:8px;font-size:13px}.summary-total-label svg{width:19px;height:19px}}.summary-cover-meta .summary-cover-peers{flex-basis:100%}.summary-cover-meta .summary-cover-peers dd{word-break:keep-all;max-width:none;line-height:1.7}.summary-comparison-peers{color:var(--cz-muted);align-items:baseline;gap:12px;margin-top:14px;font-size:13px;line-height:1.7;display:flex}.summary-comparison-peers strong{color:var(--cz-navy);flex:none;font-weight:700}.summary-comparison-peers span{word-break:keep-all;overflow-wrap:anywhere}.summary-range{background:var(--cz-navy);color:#fff;border-radius:12px;margin-top:24px;padding:24px}.summary-range span{color:#ffffffb3;font-size:14px;font-weight:700;display:block}.summary-range strong{color:var(--cz-gold);margin-top:10px;font-size:clamp(28px,3vw,38px);font-weight:800;line-height:1.3;display:block}.summary-own-rate{color:var(--cz-muted);margin-bottom:14px;font-size:14px}.summary-own-rate strong{color:var(--cz-navy);margin-left:8px}.summary-account-list{flex-wrap:wrap;gap:10px;margin:0;padding:0;list-style:none;display:flex}.summary-account-list>span,.summary-account-list>li{border:1px solid var(--cz-border);background:var(--cz-cream);border-radius:8px;align-items:center;gap:10px;padding:10px 14px;font-size:14px;font-weight:700;display:inline-flex}.summary-account-list b{color:var(--cz-navy);font-size:11px}.summary-report .summary-sheet td.summary-rank{text-align:center;color:var(--cz-navy);width:54px}.summary-risk{color:var(--cz-muted);margin-top:4px;font-size:11px;font-weight:500;display:block}.summary-report .summary-note{margin-top:20px}@media (max-width:767px){.summary-report .summary-note{grid-template-columns:1fr}.summary-range{padding:20px}}.summary-report .summary-sheet table tfoot{background:var(--cz-cream);color:var(--cz-navy)}.summary-report .summary-sheet table tfoot td{border-top:1px solid var(--cz-border);font-weight:800}.summary-financial-charts{grid-template-columns:1.4fr 1fr;gap:20px;margin-top:16px;display:grid}.summary-chart{border:1px solid var(--cz-border);background:#fff;border-radius:12px;min-width:0;padding:18px 10px 10px}.summary-chart h4{margin:0 8px 10px;font-size:14px;font-weight:700}.summary-chart h4 small{float:right;color:var(--cz-muted);font-size:11px;font-weight:400}@media (max-width:767px){.summary-financial-charts{grid-template-columns:1fr;gap:14px}}.summary-cover-insight-heading .summary-cover-range{color:var(--cz-gold);letter-spacing:-.035em;margin:8px 0 16px;font-size:clamp(30px,3.1vw,44px);font-weight:800;line-height:1.3;display:block}.summary-cover-insight-heading>p{color:#ffffffb3;margin:0 0 28px;font-size:13px;line-height:1.7}.summary-cover-insights .summary-cover-opportunity{justify-content:space-between;align-items:center;gap:18px;padding:22px 0;display:flex}.summary-cover-insights .summary-cover-opportunity>span{flex:1;align-items:baseline;line-height:1.7}.summary-cover-insights .summary-cover-opportunity strong{font-family:var(--font-pretendard);color:#fff;white-space:nowrap;flex:none;margin:0;font-size:24px;font-weight:700}@media (max-width:767px){.summary-cover-insights .summary-cover-opportunity{gap:12px}.summary-cover-insights .summary-cover-opportunity strong{font-size:22px}}.summary-report ol.summary-account-list{grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;display:grid}.summary-report ol.summary-account-list>li{color:var(--cz-navy);background:#fff;border-radius:10px;gap:12px;padding:16px;font-size:14px;line-height:1.5;box-shadow:0 2px 6px #0a162808}.summary-report ol.summary-account-list b{background:var(--cz-navy);width:30px;height:30px;color:var(--cz-gold);border-radius:7px;flex:none;justify-content:center;align-items:center;font-size:11px;display:inline-flex}@media (max-width:1100px){.summary-report ol.summary-account-list{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:540px){.summary-report ol.summary-account-list{grid-template-columns:1fr;gap:8px}.summary-report ol.summary-account-list>li{padding:12px 14px}}.summary-report .summary-metric-savings{background:#fff;border-color:#e5e0d6}.summary-report .summary-metric-savings strong{color:#122d64}.summary-report .summary-metric-savings .summary-metric-heading span,.summary-report .summary-metric-savings svg{color:#5c6478}.summary-common-accounts{border:1px solid var(--cz-border);background:#f6f4ef;border-radius:12px;margin-top:28px;padding:20px}.summary-common-heading{align-items:center;gap:12px;display:flex}.summary-report .summary-common-heading h3{color:var(--cz-navy);margin:0;font-size:17px}.summary-common-heading>span{color:var(--cz-muted);background:#fff;border-radius:20px;padding:3px 9px;font-size:12px;font-weight:700}.summary-common-description{color:var(--cz-muted);margin:7px 0 14px;font-size:13px;line-height:1.7}.summary-common-items{flex-wrap:wrap;gap:10px;display:flex}.summary-common-items>span{border:1px solid var(--cz-border);color:var(--cz-navy);background:#fff;border-radius:8px;align-items:center;gap:9px;padding:10px 15px;font-size:14px;font-weight:700;display:inline-flex}.summary-common-items svg{color:#7387ad}.summary-common-items>p{color:var(--cz-muted);margin:0;font-size:13px}.summary-report .summary-financial-table{table-layout:fixed;min-width:760px}.summary-report .summary-financial-table th,.summary-report .summary-financial-table td{padding-left:12px;padding-right:12px}.summary-report .summary-financial-table th{white-space:normal;vertical-align:middle;line-height:1.5}.summary-report .summary-data-table td.summary-table-emphasis{color:var(--cz-danger,#c8102e);font-weight:800}.summary-report .summary-note span .summary-insight-number{color:var(--cz-gold);font-size:inherit;font-weight:800;display:inline}.summary-common-accounts{background:#fff;padding:22px}.summary-common-heading{justify-content:space-between}.summary-common-heading>span{border:1px solid var(--cz-border);background:#f6f4ef;padding:4px 10px}.summary-common-description{border-bottom:1px solid var(--cz-border);margin:8px 0 18px;padding-bottom:16px}.summary-common-items{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;display:grid}.summary-common-items>span{background:#f6f4ef;gap:12px;padding:15px 16px;font-size:15px}.summary-common-items>span>b{background:var(--cz-navy);width:29px;height:29px;color:var(--cz-gold);border-radius:7px;flex:none;justify-content:center;align-items:center;font-size:11px;display:inline-flex}@media (max-width:540px){.summary-common-accounts{padding:18px}.summary-common-items{grid-template-columns:1fr}}.summary-report .summary-common-accounts{background:var(--cz-navy);border-color:var(--cz-navy)}.summary-report .summary-common-heading h3{color:var(--cz-gold)}.summary-report .summary-common-heading>span{color:#fff;background:#ffffff14;border-color:#ffffff2e}.summary-report .summary-common-description{color:#ffffffbf;border-bottom-color:#fff3}.summary-report .summary-common-items>p{color:#ffffffbf}.summary-report .summary-common-items>span>b{background:var(--cz-navy);color:var(--cz-gold)}.summary-report .summary-common-items>span{color:#f0f3fa;background:#2b4478;border-color:#4b6190}.summary-report .summary-common-items>span>b{color:var(--cz-gold);background:#1c3569}.summary-benchmark-table-heading{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;margin:28px 0 12px;display:flex}.summary-report .summary-benchmark-table-heading h3{color:var(--cz-navy);margin:0;font-size:18px;font-weight:800}.summary-report .summary-benchmark-table-heading .summary-own-rate{border:1px solid var(--cz-border);background:#f6f4ef;border-radius:8px;align-items:center;gap:12px;margin:0;padding:9px 13px;font-size:12px;display:inline-flex}.summary-benchmark-table-heading .summary-own-rate strong{color:var(--cz-navy);font-size:16px;font-weight:800}@media (max-width:540px){.summary-benchmark-table-heading{align-items:flex-start}.summary-report .summary-benchmark-table-heading h3{font-size:16px}}.summary-report .summary-benchmark-table-heading .summary-own-rate{background:#fff6dc;border-color:#e8d59c}.summary-benchmark-table-heading .summary-own-rate span{color:#7b6636}.summary-benchmark-table-heading .summary-own-rate strong{color:#785712}.summary-report .summary-metric-heading{display:block}.summary-report .summary-metric-heading span{line-height:1.6;display:block}.summary-report .summary-metric-card strong{margin-top:12px}.summary-report .summary-total-label{display:block}.summary-report .summary-sidebar-note button{justify-content:center}.summary-report .summary-sheet{scroll-margin-top:var(--summary-sticky-offset,150px)}