:root{
  --navy:#0b1a2b;--yellow:#ffd319;--yellow-dark:#f0c600;--text:#18222d;--muted:#5f6b7a;
  --bg:#ffffff;--soft:#f5f7fb;--line:#e4eaf2;--card:#ffffff;--shadow:0 10px 28px rgba(11,26,43,.08);--radius:18px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Poppins,Arial,sans-serif;color:var(--text);background:var(--bg)}
img{max-width:100%;display:block}a{text-decoration:none;color:inherit}
p{line-height:1.75;color:var(--muted);margin:0 0 14px}
h1,h2,h3,h4{margin:0 0 16px;font-family:Montserrat,Poppins,Arial,sans-serif;color:var(--navy);line-height:1.2}
ul{margin:0;padding-left:20px;color:var(--muted);line-height:1.75}
.container{width:min(1180px,92vw);margin:0 auto}
.topbar{position:sticky;top:0;z-index:50;background:rgba(11,26,43,.96);backdrop-filter:blur(8px);box-shadow:0 2px 12px rgba(0,0,0,.06)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:14px 0}
.brand{display:flex;align-items:center;gap:12px;color:#fff;font-weight:700}
.brand-badge{width:42px;height:42px;border-radius:12px;background:linear-gradient(135deg,var(--yellow),#ff8a1c);color:var(--navy);display:grid;place-items:center;font-weight:800}
.nav-links{display:flex;gap:18px;flex-wrap:wrap;align-items:center}.nav-links a{color:#dce7f4;font-weight:500;font-size:15px}.nav-links a:hover{color:#fff}
.page-hero{background:linear-gradient(180deg,#fff 0%, #f4f7fb 100%);padding:76px 0 62px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:42px;align-items:center}
.eyebrow{display:inline-block;background:#fff3b2;color:#5b4d00;border:1px solid #eedf78;padding:8px 14px;border-radius:999px;font-size:14px;font-weight:600;margin-bottom:16px}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 22px;border-radius:12px;font-weight:700;transition:.2s ease}
.btn-primary{background:var(--yellow);color:var(--navy)}.btn-primary:hover{background:var(--yellow-dark)}
.btn-secondary{background:var(--navy);color:#fff}.btn-secondary:hover{opacity:.94}
.btn-outline{background:#fff;color:var(--navy);border:1px solid var(--line)}
.hero-card,.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.hero-card{padding:14px}.hero-card img{border-radius:14px}
.hero-img-card{border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;line-height:0}
.hero-img-card img{width:100%;height:auto;display:block}
.section{padding:72px 0}.section.alt{background:var(--soft)}.section-title{max-width:760px;margin-bottom:28px}
.grid{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}
.card{padding:24px}.card h3{font-size:20px;margin-bottom:12px}
.metric{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.metric .card{text-align:center;padding:22px}.metric strong{display:block;font-size:28px;color:var(--navy)}
.visual-band{background:var(--navy);color:#fff;padding:68px 0}.visual-band h2,.visual-band h3{color:#fff}
.logo-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.logo-pill{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:22px;text-align:center;font-weight:700;color:var(--navy)}
.faq-item{border-bottom:1px solid var(--line);padding:18px 0}.faq-item h3{font-size:19px;margin-bottom:8px}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.form-card label{display:block;font-size:14px;font-weight:600;color:var(--navy);margin-bottom:6px}
.form-card input,.form-card select,.form-card textarea{width:100%;padding:13px 14px;border:1px solid #d7e0eb;border-radius:12px;font:inherit;color:var(--text);background:#fff;margin-bottom:14px}
.form-card textarea{min-height:130px;resize:vertical}
/* ── Footer ──────────────────────────────────────────────────────────── */
.footer{background:var(--navy);color:#dce7f4;margin-top:24px}
.footer-cta-band{background:#0d2034;border-top:2px solid rgba(255,211,25,.22);padding:38px 0}
.footer-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.footer-cta-heading{font-size:22px;font-family:Montserrat,sans-serif;font-weight:800;color:#fff;margin:0 0 6px}
.footer-cta-inner > div > p{color:#6a8ba0;font-size:14px;margin:0}
.footer-cta-actions{display:flex;gap:12px;flex-shrink:0;flex-wrap:wrap}
.footer-btn-ghost{background:transparent;color:#c8dce8;border:1px solid rgba(255,255,255,.16);border-radius:12px;padding:13px 22px;font-weight:700;font-size:15px;transition:.2s}
.footer-btn-ghost:hover{background:rgba(255,255,255,.07);color:#fff;border-color:rgba(255,255,255,.3)}
.footer-body{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;padding:52px 0 44px}
.footer-brand-logo{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.footer-brand-logo .brand-badge{width:36px;height:36px;border-radius:10px;font-size:13px;flex-shrink:0}
.footer-brand-logo span{color:#fff;font-weight:800;font-family:Montserrat,sans-serif;font-size:15px;letter-spacing:.06em}
.footer-brand > p{font-size:14px;color:#5a7a90;line-height:1.75;margin:0 0 18px}
.footer-info-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:11px}
.footer-info-list li{display:flex;align-items:flex-start;gap:9px;font-size:13px;color:#3e5e72;line-height:1.5}
.footer-info-list svg{flex-shrink:0;margin-top:1px;color:#2e4d60}
.footer-info-list a{color:#3e5e72;transition:.15s}.footer-info-list a:hover{color:#fff}
.footer-col{display:flex;flex-direction:column;gap:11px}
.footer-col-title{font-size:11px;text-transform:uppercase;letter-spacing:.14em;font-weight:700;color:#2e4a5c;margin-bottom:5px}
.footer-col a{color:#6a8ba0;font-size:14px;transition:.15s}.footer-col a:hover{color:#fff}
.footer-col-accent{color:var(--yellow)!important;font-weight:600}.footer-col-accent:hover{color:var(--yellow-dark)!important}
.footer-bottom{border-top:1px solid rgba(255,255,255,.06);padding:18px 0}
.footer-bottom-inner{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;font-size:13px;color:#2e4a5c}
.row{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;align-items:center}
@media(max-width:900px){.footer-body{grid-template-columns:1fr 1fr}.footer-cta-inner{flex-direction:column;align-items:flex-start}}
@media(max-width:640px){.footer-body{grid-template-columns:1fr}.footer-bottom-inner{flex-direction:column;align-items:flex-start;gap:4px}}
/* Blog */
.blog-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.blog-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px;display:flex;flex-direction:column;gap:10px}
.blog-card-meta{font-size:12px;color:#7a8797;font-weight:600;text-transform:uppercase;letter-spacing:.08em}
.blog-card h3{font-size:19px;margin:0}
.blog-card p{margin:0;flex:1}
.blog-card a.read-more{display:inline-flex;align-items:center;gap:6px;font-size:14px;font-weight:700;color:var(--navy);margin-top:4px}
.post-meta{font-size:13px;color:#7a8797;font-weight:500;margin-top:10px}.post-meta time{font-weight:600;color:var(--navy)}
.article-body{max-width:760px}
.article-body h2{font-size:24px;margin:36px 0 14px}
.article-body h3{font-size:19px;margin:28px 0 10px}
.article-body p{margin-bottom:18px}
.article-body ul{margin-bottom:18px}
.data-table{width:100%;border-collapse:collapse;margin:24px 0;font-size:15px}
.data-table th{background:var(--navy);color:#fff;padding:12px 14px;text-align:left;font-weight:600}
.data-table td{padding:11px 14px;border-bottom:1px solid var(--line)}
.data-table tr:nth-child(even) td{background:var(--soft)}
.formula-box{background:#fff7d0;border:1px solid #f0de80;border-radius:14px;padding:18px 22px;margin:24px 0}
.formula-box strong{display:block;margin-bottom:6px;color:#584b00}
/* Responsive additions */
@media(max-width:900px){.footer-inner{grid-template-columns:1fr 1fr}.blog-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.footer-inner{grid-template-columns:1fr}.blog-grid{grid-template-columns:1fr}}
.kicker{font-size:13px;text-transform:uppercase;letter-spacing:.12em;color:#7a8797;font-weight:700;margin-bottom:10px}
.breadcrumbs{font-size:14px;color:#7a8797;margin-bottom:18px}
.notice{padding:14px 16px;background:#fff7d0;border:1px solid #f0de80;border-radius:14px;color:#584b00}
.inline-list{display:flex;gap:10px;flex-wrap:wrap}
.tag{display:inline-block;padding:9px 14px;background:#eef3f9;border:1px solid var(--line);border-radius:999px;color:var(--navy);font-weight:600}
@media (max-width: 900px){.hero-grid,.grid-4,.grid-3,.grid-2,.metric,.contact-grid,.logo-grid{grid-template-columns:1fr 1fr}}
@media (max-width: 640px){.hero-grid,.grid-4,.grid-3,.grid-2,.metric,.contact-grid,.logo-grid{grid-template-columns:1fr}.nav{flex-direction:column;align-items:flex-start}.nav-links{gap:12px}}