/* ── SCROLL PROGRESS ────────────────────────────────────────── */
    #scroll-bar {
      position: fixed; top: 0; left: 0; z-index: 9999;
      height: 3px; width: 0%;
      background: linear-gradient(90deg, #1565C0, #D94040, #9CA3AF);
      transition: width .1s linear; pointer-events: none;
    }

    /* ── DESIGN TOKENS ──────────────────────────────────────────── */
    :root {
      --g900: #0A2558;
      --g800: #0D3380;
      --g700: #1565C0;
      --g600: #1976D2;
      --g200: #BBDEFB;
      --g100: #DDEEFF;
      --g50:  #F0F7FF;
      --gold:       #9CA3AF;
      --gold-light: #D1D5DB;
      --gold-pale:  #F3F4F6;
      --gold-dark:  #6B7280;
      --white: #FFFFFF;
      --ink:   #111827;
      --gray-700: #374151;
      --gray-500: #6B7280;
      --gray-400: #9CA3AF;
      --gray-300: #D1D5DB;
      --gray-200: #E5E7EB;
      --gray-100: #F3F4F6;
      --gray-50:  #F9FAFB;
      --sh-sm: 0 1px 3px rgba(0,0,0,.06);
      --sh-md: 0 4px 20px rgba(0,0,0,.09);
      --sh-lg: 0 12px 48px rgba(0,0,0,.13);
      --r: 10px; --rl: 18px; --rx: 26px; --t: .3s ease;
    }

    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body {
      font-family: 'Poppins', sans-serif;
      color: var(--ink); background: var(--white);
      line-height: 1.6; overflow-x: hidden;
      -webkit-font-smoothing: antialiased;
    }
    ::selection { background: rgba(21,101,192,.15); color: var(--g900); }
    :focus-visible { outline: 2.5px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
    img { display: block; max-width: 100%; height: auto; }
    a { text-decoration: none; color: inherit; }
    ul { list-style: none; }
    button { font-family: inherit; cursor: pointer; }
    .wrap { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 28px; }
    .container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 28px; }

    /* ── TYPOGRAPHY ─────────────────────────────────────────────── */
    .label {
      display: inline-block; font-size: 12px; font-weight: 700;
      letter-spacing: .6px; text-transform: uppercase;
      color: var(--gray-700);
      border-left: 3px solid var(--g700); padding-left: 10px; line-height: 1.4;
    }
    .label.gold   { color: rgba(255,255,255,.75); border-color: var(--gold); }
    .label.white  { color: rgba(255,255,255,.6);  border-color: rgba(255,255,255,.4); }
    .label.blue   { color: var(--g700); border-color: var(--g700); }

    .h2 { font-size: clamp(24px, 3vw, 34px); font-weight: 700; color: var(--ink); line-height: 1.25; margin-top: 10px; letter-spacing: -.3px; }
    .h2.white { color: var(--white); }
    .body-lg { font-size: 15.5px; color: var(--gray-500); line-height: 1.78; margin-top: 14px; }
    .body-lg.white { color: rgba(255,255,255,.72); }

    /* ── BUTTONS ─────────────────────────────────────────────────── */
    .btn {
      display: inline-flex; align-items: center; gap: 9px;
      padding: 12px 24px; border-radius: 8px;
      font-size: 15px; font-weight: 500;
      border: 2px solid transparent;
      transition: all var(--t); white-space: nowrap;
    }
    .btn-primary { background: var(--g700); color: var(--white); border-color: var(--g700); border-radius: 6px; }
    .btn-primary:hover { background: var(--g800); border-color: var(--g800); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(13,48,128,.3); }
    .btn-ghost { background: rgba(255,255,255,.15); color: var(--white); border-color: rgba(255,255,255,.5); border-radius: 6px; backdrop-filter: blur(4px); font-weight: 600; }
    .btn-ghost:hover { background: rgba(255,255,255,.26); border-color: rgba(255,255,255,.75); }
    .btn-outline { background: transparent; color: var(--g700); border-color: var(--g700); border-radius: 6px; }
    .btn-outline:hover { background: var(--g700); color: var(--white); transform: translateY(-1px); }
    .btn-gold { background: #6B7280; color: var(--white); border-color: #6B7280; border-radius: 6px; font-weight: 700; }
    .btn-gold:hover { background: #374151; border-color: #374151; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(55,65,81,.35); }
    .btn-sm { padding: 10px 22px; font-size: 13.5px; }
    .btn svg { width: 16px; height: 16px; flex-shrink: 0; }

    /* ── SCROLL ANIMATION ────────────────────────────────────────── */
    .js .rise { opacity: 0; transform: translateY(26px); transition: opacity .6s cubic-bezier(.22,.61,.36,1), transform .6s cubic-bezier(.22,.61,.36,1); }
    .js .rise.in { opacity: 1; transform: none; }
    .d1 { transition-delay: .08s; } .d2 { transition-delay: .16s; }
    .d3 { transition-delay: .24s; } .d4 { transition-delay: .32s; }
    .d5 { transition-delay: .4s; }  .d6 { transition-delay: .48s; }

    /* ── NAVBAR ──────────────────────────────────────────────────── */
    .navbar {
      position: sticky; top: 0; z-index: 1000;
      background: rgba(255,255,255,.97); backdrop-filter: blur(12px);
      border-bottom: 1px solid var(--gray-100); transition: box-shadow var(--t);
    }
    .navbar.scrolled { box-shadow: 0 2px 24px rgba(0,0,0,.09); }
    .navbar.scrolled::after {
      content: '';
      position: absolute; bottom: 0; left: 0; right: 0;
      height: 2px;
      background: linear-gradient(90deg, var(--g700), var(--gold), var(--g700));
      opacity: .6;
    }
    .nav-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; }
    .nav-logo { flex-shrink: 0; min-width: 0; }
    .nav-logo img { height: 42px; width: auto; flex-shrink: 0; }
    .nav-links { display: flex; align-items: center; gap: 0; }
    .nav-item { position: relative; }
    .nav-link {
      display: flex; align-items: center; gap: 4px;
      padding: 9px 14px; font-size: 13.5px; font-weight: 500;
      color: #4B5563; border-radius: 7px; transition: all var(--t); white-space: nowrap;
    }
    .nav-link:hover, .nav-link.active { color: var(--g700); background: var(--g50); }
    @media (max-width: 1280px) {
      .nav-link { padding: 7px 9px; font-size: 12.5px; }
      @media (max-width: 1100px) { .nav-hide-md { display: none; } }
    }
    .nav-chev { width: 14px; height: 14px; transition: transform var(--t); flex-shrink: 0; }
    .nav-item:hover .nav-chev { transform: rotate(180deg); }
    .dropdown { position: absolute; top: calc(100% + 8px); left: 50%; transform: translateX(-50%) translateY(6px); background: #fff; border: 1px solid var(--gray-200); border-radius: 10px; padding: 8px; min-width: 200px; box-shadow: 0 8px 32px rgba(0,0,0,.12); opacity: 0; pointer-events: none; transition: opacity var(--t), transform var(--t); z-index: 100; }
    .nav-item:hover .dropdown { opacity: 1; pointer-events: all; transform: translateX(-50%) translateY(0); }
    .dropdown a { display: block; padding: 8px 14px; font-size: 13px; color: var(--gray-700); border-radius: 6px; transition: background var(--t), color var(--t); }
    .dropdown a:hover { background: var(--g50); color: var(--g700); }
    .dropdown::before { content: ''; position: absolute; top: -8px; left: 0; right: 0; height: 8px; }
    .dropdown-item { position: relative; }
    .dropdown-item > a { display: flex; align-items: center; justify-content: space-between; gap: 8px; }
    .dropdown-item > a svg.sub-chev { width: 11px; height: 11px; flex-shrink: 0; transform: rotate(-90deg); opacity: .6; }
    .submenu {
      position: absolute; top: -8px; left: calc(100% + 2px); min-width: 300px;
      background: #fff; border: 1px solid #DDE1E9; border-radius: 18px;
      box-shadow: 0 12px 48px rgba(0,0,0,.13); padding: 14px 8px;
      opacity: 0; pointer-events: none; transform: translateX(-6px);
      transition: opacity .22s ease, transform .22s ease;
      z-index: 210;
    }
    .dropdown-item.hover-open .submenu { opacity: 1; pointer-events: all; transform: none; }
    .submenu-label { font-size: 10.5px; font-weight: 700; letter-spacing: 1.1px; text-transform: uppercase; color: #9AA3B5; padding: 4px 12px 8px; }
    .submenu a { display: block; padding: 9px 12px; font-size: 13.5px; color: #3E4660; border-radius: 8px; transition: background .2s, color .2s; }
    .submenu a:hover { background: #E3F2FD; color: #1565C0; }
    .submenu-divider { height: 1px; background: #EEF0F4; margin: 8px 4px; }
    .nav-item.hover-open .dropdown { opacity: 1; pointer-events: all; transform: none; }

    .nav-link.active { font-weight: 600; }
    .nav-right { display: flex; flex-shrink: 0; align-items: center; gap: 16px; }
    .hamburger { display: none; flex-direction: column; gap: 5px; padding: 6px; border: none; background: none; border-radius: 6px; }
    .hamburger span { display: block; width: 22px; height: 2px; background: var(--gray-700); border-radius: 2px; transition: all var(--t); }
    .hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
    .hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
    .hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }
    .mobile-nav { display: grid; grid-template-rows: 0fr; background: var(--white); border-top: 1px solid var(--gray-100); transition: grid-template-rows .35s cubic-bezier(.22,.61,.36,1); overflow: hidden; }
    .mobile-nav.open { grid-template-rows: 1fr; }
    .mobile-nav-inner { overflow: hidden; padding: 0 28px; }
    .mobile-nav.open .mobile-nav-inner { padding: 12px 28px 24px; }
    .mobile-nav a { display: flex; align-items: center; gap: 10px; padding: 12px 0; font-size: 15px; font-weight: 500; color: var(--gray-700); border-bottom: 1px solid var(--gray-100); transition: color var(--t), padding-left var(--t); }
    .mobile-nav a:hover { color: var(--g700); padding-left: 4px; }
    .mobile-nav a::before {
      content: ''; width: 0; height: 2px;
      background: var(--gold); border-radius: 2px;
      transition: width var(--t); flex-shrink: 0;
    }
    .mobile-nav a:hover::before { width: 12px; }
    .mobile-nav .m-cta { margin-top: 18px; display: flex; flex-direction: column; gap: 10px; }
    .mobile-nav .btn { width: 100%; justify-content: center; }

    /* ── ANN BAR ─────────────────────────────────────────────────── */
    .ann-bar { background: var(--g900); color: rgba(255,255,255,.8); font-size: 12px; text-align: center; padding: 9px 24px; }
    .ann-bar strong { color: var(--gold); }
    .ann-bar a { color: var(--gold); }
    .ann-bar a:hover { text-decoration: underline; }

    /* ── HERO ────────────────────────────────────────────────────── */
    .hero {
      position: relative; overflow: hidden;
      background: linear-gradient(135deg, var(--g900) 0%, #0D3380 55%, #0F3D96 100%);
      padding: 80px 0 90px;
    }
    .hero::before {
      content: ''; position: absolute; inset: 0;
      background: radial-gradient(ellipse at 70% 50%, rgba(21,101,192,.25) 0%, transparent 65%);
      pointer-events: none;
    }
    .hero-inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1fr 480px; gap: 56px; align-items: center; }
    .hero-label {
      display: inline-flex; align-items: center; gap: 9px;
      background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.18);
      border-radius: 100px; padding: 6px 16px 6px 8px;
      font-size: 12.5px; color: rgba(255,255,255,.85); font-weight: 600;
      margin-bottom: 22px; backdrop-filter: blur(4px);
    }
    .hero-label-pip { width: 26px; height: 26px; border-radius: 50%; background: rgba(255,255,255,.18); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
    .hero-label-pip svg { width: 13px; height: 13px; color: var(--gold); }
    .hero-title {
      font-size: clamp(32px, 4.5vw, 52px); font-weight: 800; color: var(--white);
      line-height: 1.12; letter-spacing: -.5px; margin-bottom: 20px;
    }
    .hero-title span { color: var(--gold); }
    .hero-sub { font-size: 15.5px; color: rgba(255,255,255,.76); line-height: 1.78; margin-bottom: 36px; max-width: 480px; }
    .hero-btns { display: flex; flex-wrap: wrap; gap: 12px; }
    .hero-img-card {
      border-radius: 16px; overflow: hidden;
      box-shadow: 0 20px 60px rgba(0,0,0,.4), 0 0 0 1px rgba(255,255,255,.08);
      height: 380px; position: relative;
      transform: translateY(8px) rotate(.8deg);
    }
    .hero-img-card img { width: 100%; height: 100%; object-fit: cover; }
    .hero-img-card::after {
      content: ''; position: absolute; inset: 0;
      background: linear-gradient(180deg, transparent 50%, rgba(10,37,88,.45) 100%);
    }
    .hero-img-badge {
      position: absolute; bottom: 20px; left: 20px; z-index: 2;
      background: rgba(255,255,255,.95); border-radius: 10px;
      padding: 10px 16px; display: flex; align-items: center; gap: 10px;
      box-shadow: 0 4px 16px rgba(0,0,0,.18);
    }
    .hero-img-badge-icon { width: 36px; height: 36px; border-radius: 8px; background: var(--g50); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
    .hero-img-badge-icon svg { width: 18px; height: 18px; color: var(--g700); }
    .hero-img-badge-text strong { display: block; font-size: 14px; font-weight: 700; color: var(--g900); line-height: 1.2; }
    .hero-img-badge-text span { font-size: 11.5px; color: var(--gray-500); }

    /* ── INVESTMENT OPTIONS STRIP ────────────────────────────────── */
    .options-strip { background: var(--white); border-bottom: 1px solid var(--gray-100); padding: 40px 0; }
    .options-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 1px; background: var(--gray-100); border: 1px solid var(--gray-100); border-radius: 12px; overflow: hidden; box-shadow: var(--sh-sm); }
    .option-card {
      background: var(--white); padding: 28px 24px; text-align: center;
      transition: background var(--t); color: inherit;
    }
    a.option-card { cursor: pointer; display: block; }
    .option-card:hover { background: var(--g50); }
    .option-icon {
      width: 52px; height: 52px; border-radius: 14px;
      background: var(--g50); border: 1.5px solid var(--g100);
      display: flex; align-items: center; justify-content: center; margin: 0 auto 14px;
    }
    .option-icon svg { width: 24px; height: 24px; color: var(--g700); }
    .option-value { font-size: 20px; font-weight: 800; color: var(--g900); line-height: 1.2; margin-bottom: 4px; letter-spacing: -.3px; }
    .option-label { font-size: 12.5px; color: var(--gray-500); font-weight: 500; }

    /* ── STEP-BY-STEP GUIDE ──────────────────────────────────────── */
    .steps-section { background: var(--gray-50); padding: 80px 0; }
    .steps-header { text-align: center; max-width: 640px; margin: 0 auto 60px; }
    .steps-header .label { margin-bottom: 8px; }
    .steps-header .h2 { font-size: clamp(24px, 3.2vw, 36px); }
    .steps-header .body-lg { max-width: 520px; margin: 14px auto 0; }

    .steps-list { display: flex; flex-direction: column; gap: 0; position: relative; }

    /* Vertical connector line */
    .steps-list::before {
      content: ''; position: absolute;
      left: 50%; transform: translateX(-50%);
      top: 40px; bottom: 40px; width: 2px;
      background: linear-gradient(to bottom, var(--g200), var(--g100), var(--g200));
      pointer-events: none; z-index: 0;
    }

    .step-row {
      display: grid; grid-template-columns: 1fr 80px 1fr;
      gap: 0; align-items: center; position: relative; z-index: 1;
      padding: 32px 0;
    }
    .step-row:last-child { padding-bottom: 0; }

    .step-num-col { display: flex; justify-content: center; align-items: center; }
    .step-num-bubble {
      width: 64px; height: 64px; border-radius: 50%;
      background: var(--g900); color: var(--white);
      display: flex; align-items: center; justify-content: center;
      font-size: 22px; font-weight: 800; letter-spacing: -.5px;
      box-shadow: 0 4px 20px rgba(10,37,88,.3);
      flex-shrink: 0; border: 3px solid var(--white);
      position: relative; z-index: 2;
    }
    .step-num-bubble.gold-num { background: #6B7280; box-shadow: 0 4px 20px rgba(107,114,128,.35); }

    .step-content { padding: 0 32px; }
    .step-content.right { padding: 0 32px 0 40px; }
    .step-content.left  { padding: 0 40px 0 32px; text-align: right; }
    .step-tag {
      display: inline-block; font-size: 11px; font-weight: 700; text-transform: uppercase;
      letter-spacing: .6px; color: var(--g700); background: var(--g50);
      border: 1px solid var(--g100); border-radius: 100px; padding: 3px 10px;
      margin-bottom: 10px;
    }
    .step-title { font-size: clamp(18px, 2.2vw, 22px); font-weight: 700; color: var(--g900); line-height: 1.3; margin-bottom: 12px; }
    .step-body { font-size: 14.5px; color: var(--gray-500); line-height: 1.78; }
    .step-cta {
      display: inline-flex; align-items: center; gap: 6px;
      margin-top: 16px; font-size: 13px; font-weight: 600; color: var(--g700);
      transition: gap var(--t);
    }
    .step-cta:hover { gap: 10px; color: var(--g800); }
    .step-cta svg { width: 13px; height: 13px; }

    .step-img-wrap { padding: 0 32px; }
    .step-img-wrap.right { padding: 0 32px 0 40px; }
    .step-img-wrap.left  { padding: 0 40px 0 32px; }
    .step-img {
      width: 100%; height: 300px; object-fit: cover;
      border-radius: 12px; box-shadow: var(--sh-lg);
    }

    .step-row.odd .step-left  { order: 1; }
    .step-row.odd .step-num-col { order: 2; }
    .step-row.odd .step-right { order: 3; }
    .step-row.even .step-left  { order: 3; }
    .step-row.even .step-num-col { order: 2; }
    .step-row.even .step-right { order: 1; }

    /* ── FEES AT A GLANCE ────────────────────────────────────────── */
    .fees-section { background: var(--g900); padding: 80px 0; }
    .fees-header { text-align: center; max-width: 600px; margin: 0 auto 52px; }
    .fees-header .label { margin-bottom: 8px; }
    .fees-header .h2 { color: var(--white); }
    .fees-header .body-lg { color: rgba(255,255,255,.65); }
    .fees-grid { display: grid; grid-template-columns: repeat(5,1fr); gap: 16px; }
    .fee-card {
      background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12);
      border-radius: 14px; padding: 24px 20px; text-align: center;
      transition: background var(--t), transform var(--t);
    }
    .fee-card:hover { background: rgba(255,255,255,.12); transform: translateY(-3px); }
    .fee-icon {
      width: 44px; height: 44px; border-radius: 12px;
      background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.15);
      display: flex; align-items: center; justify-content: center; margin: 0 auto 14px;
    }
    .fee-icon svg { width: 20px; height: 20px; color: var(--gold); }
    .fee-value { font-size: 22px; font-weight: 800; color: var(--white); line-height: 1.2; margin-bottom: 5px; letter-spacing: -.3px; }
    .fee-name { font-size: 12px; font-weight: 600; color: rgba(255,255,255,.55); text-transform: uppercase; letter-spacing: .4px; margin-bottom: 8px; }
    .fee-note { font-size: 11.5px; color: rgba(255,255,255,.4); line-height: 1.5; }

    /* ── INVESTMENT METHODS ──────────────────────────────────────── */
    .methods-section { background: var(--white); padding: 80px 0; }
    .methods-header { text-align: center; max-width: 600px; margin: 0 auto 52px; }
    .methods-header .label { margin-bottom: 8px; }
    .methods-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
    .method-card {
      border: 1.5px solid var(--gray-200); border-radius: 16px; padding: 32px 28px;
      transition: all var(--t); position: relative; overflow: hidden; color: inherit;
    }
    a.method-card { cursor: pointer; display: block; }
    .method-card::before {
      content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
      background: var(--g700); border-radius: 16px 16px 0 0;
      transform: scaleX(0); transform-origin: left; transition: transform var(--t);
    }
    .method-card:hover { border-color: var(--g200); box-shadow: var(--sh-md); transform: translateY(-4px); }
    .method-card:hover::before { transform: scaleX(1); }
    .method-icon {
      width: 52px; height: 52px; border-radius: 14px;
      background: var(--g50); border: 1.5px solid var(--g100);
      display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
    }
    .method-icon svg { width: 24px; height: 24px; color: var(--g700); }
    .method-title { font-size: 17px; font-weight: 700; color: var(--g900); margin-bottom: 10px; }
    .method-min { font-size: 13px; font-weight: 600; color: var(--g700); margin-bottom: 12px; }
    .method-desc { font-size: 14px; color: var(--gray-500); line-height: 1.7; }
    .method-more {
      display: inline-flex; align-items: center; gap: 6px;
      margin-top: 16px; font-size: 13px; font-weight: 600; color: var(--g700);
    }

    /* ── CTA BAND ────────────────────────────────────────────────── */
    .cta-band {
      background: linear-gradient(135deg, #6B7280 0%, #374151 100%);
      padding: 60px 0;
    }
    .cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
    .cta-text strong { display: block; font-size: clamp(20px, 2.8vw, 28px); font-weight: 800; color: var(--white); line-height: 1.25; margin-bottom: 8px; letter-spacing: -.2px; }
    .cta-text p { font-size: 15px; color: rgba(255,255,255,.82); }
    .cta-btns { display: flex; flex-wrap: wrap; gap: 12px; flex-shrink: 0; }
    .btn-cta-white { background: var(--white); color: var(--gold-dark); border-color: var(--white); border-radius: 6px; font-weight: 700; }
    .btn-cta-white:hover { background: var(--g50); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,0,0,.15); }
    .btn-cta-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,.7); border-radius: 6px; font-weight: 600; }
    .btn-cta-outline:hover { background: rgba(255,255,255,.15); border-color: var(--white); }

    /* ── FOOTER ──────────────────────────────────────────────────── */
    .footer { background: var(--g900); color: rgba(255,255,255,.75); padding: 64px 0 0; }
    .footer-top {
      display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr;
      gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.1);
    }
    .footer-logo img { height: 38px; width: auto; filter: brightness(0) invert(1); margin-bottom: 16px; }
    .footer-tagline { font-size: 13px; line-height: 1.7; color: rgba(255,255,255,.5); max-width: 280px; margin-bottom: 18px; }
    .footer-entities { list-style: none; display: flex; flex-direction: column; gap: 14px; max-width: 280px; }
    .footer-entities li { font-size: 12.5px; line-height: 1.45; color: rgba(255,255,255,.5); }
    .footer-entities li span { display: block; font-size: 11.5px; color: rgba(255,255,255,.35); margin-top: 3px; }
    .footer-col h4 { font-size: 11px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
    .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
    .footer-col ul a { font-size: 13.5px; color: rgba(255,255,255,.65); transition: color var(--t); }
    .footer-col ul a:hover { color: #fff; }
    .footer-address { font-size: 13px; line-height: 1.8; color: rgba(255,255,255,.55); margin-bottom: 20px; }
    .footer-contact-link { display: flex; align-items: center; gap: 8px; font-size: 13.5px; color: rgba(255,255,255,.75); margin-bottom: 10px; transition: color var(--t); }
    .footer-contact-link svg { width: 15px; height: 15px; flex-shrink: 0; }
    .footer-contact-link:hover { color: #fff; }
    .footer-bottom { display: flex; align-items: center; justify-content: space-between; padding: 20px 0; font-size: 12px; color: rgba(255,255,255,.3); flex-wrap: wrap; gap: 10px; }
    .footer-bottom-links { display: flex; gap: 20px; }
    .footer-bottom-links a { color: rgba(255,255,255,.3); transition: color var(--t); }
    .footer-bottom-links a:hover { color: rgba(255,255,255,.7); }
    .legal { background: rgba(0,0,0,.25); padding: 16px 0; font-size: 11.5px; color: rgba(255,255,255,.35); text-align: center; line-height: 1.6; }

    /* breadcrumb */
    .breadcrumb-strip { background: var(--g50); border-bottom: 1px solid var(--g100); padding: 12px 0; }
    .breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--gray-500); }
    .breadcrumb a { color: var(--g700); font-weight: 500; }
    .breadcrumb a:hover { text-decoration: underline; }
    .breadcrumb svg { width: 14px; height: 14px; flex-shrink: 0; }

    /* ── RESPONSIVE ──────────────────────────────────────────────── */
    @media (max-width: 1100px) {
      .hero-inner { grid-template-columns: 1fr 380px; gap: 40px; }
      .fees-grid { grid-template-columns: repeat(3,1fr); }
    }
    @media (max-width: 900px) {
      .nav-links, .nav-right .btn-sm { display: none; }
      .hamburger { display: flex; }
      .hero { padding: 56px 0 64px; }
      .hero-inner { grid-template-columns: 1fr; gap: 36px; }
      .hero-img-card { height: 260px; transform: none; }
      .hero-sub { max-width: 100%; }
      .options-grid { grid-template-columns: repeat(2,1fr); }
      .steps-list::before { display: none; }
      .step-row { grid-template-columns: 1fr; gap: 20px; padding: 20px 0; }
      .step-row.odd .step-left,
      .step-row.odd .step-num-col,
      .step-row.odd .step-right,
      .step-row.even .step-left,
      .step-row.even .step-num-col,
      .step-row.even .step-right { order: unset; }
      .step-row { display: flex; flex-direction: column; }
      .step-num-col { display: none; }
      .step-content, .step-content.left, .step-content.right { padding: 0; text-align: left; }
      .step-img-wrap, .step-img-wrap.left, .step-img-wrap.right { padding: 0; order: 2; }
      .step-content { order: 1; }
      .fees-grid { grid-template-columns: repeat(2,1fr); }
      .methods-grid { grid-template-columns: 1fr; }
      .cta-inner { flex-direction: column; align-items: flex-start; }
      .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
    }
    @media (max-width: 480px) {
      .options-grid { grid-template-columns: repeat(2,1fr); }
      .fees-grid { grid-template-columns: 1fr 1fr; }
      .hero-btns { flex-direction: column; }
      .cta-btns { flex-direction: column; width: 100%; }
      .cta-btns .btn { justify-content: center; }
      .footer-top { grid-template-columns: 1fr; }
      .footer-bottom { flex-direction: column; text-align: center; }
    }
  
        /* ── MOBILE ACCORDION DRAWER ─────────────────────────────────── */
    .mobile-nav {
      display: none;
      background: var(--white);
      border-top: 1px solid var(--gray-100);
      box-shadow: 0 14px 36px rgba(0,0,0,.10);
      text-align: left;
    }
    .mobile-nav.open {
      display: block;
      max-height: 85vh;
      overflow-y: auto;
      -webkit-overflow-scrolling: touch;
    }
    .mobile-nav-inner {
      padding: 12px 24px 28px;
      text-align: left;
    }
    .m-nav-link {
      display: flex; align-items: center; justify-content: flex-start;
      text-align: left;
      padding: 12px 0; font-size: 15px; font-weight: 500;
      color: var(--gray-700); border-bottom: 1px solid var(--gray-100);
      transition: color var(--t), padding-left var(--t);
    }
    .m-nav-link:hover, .m-nav-link.active { color: var(--g700); font-weight: 600; padding-left: 4px; }
    .m-nav-item { border-bottom: 1px solid var(--gray-100); text-align: left; }
    .m-nav-header {
      display: flex; align-items: center; justify-content: space-between;
      width: 100%; text-align: left;
    }
    .m-nav-header .m-nav-link { border-bottom: none; flex-grow: 1; text-align: left; justify-content: flex-start; }
    .m-chev-btn {
      width: 40px; height: 40px; border: none; background: transparent;
      display: flex; align-items: center; justify-content: center;
      color: var(--gray-400); cursor: pointer; border-radius: 6px;
      transition: all var(--t); flex-shrink: 0;
    }
    .m-chev-btn:hover { background: var(--g50); color: var(--g700); }
    .m-nav-chev { width: 14px; height: 14px; transition: transform var(--t); }
    .m-nav-item.open .m-nav-chev { transform: rotate(180deg); color: var(--g700); }
    
    .m-submenu {
      display: none;
      padding: 6px 12px 12px 14px;
      background: var(--gray-50);
      border-radius: 8px;
      margin-bottom: 10px;
      text-align: left;
    }
    .m-nav-item.open .m-submenu {
      display: block;
    }
    .m-submenu a {
      display: flex; align-items: center; justify-content: flex-start;
      text-align: left; gap: 8px;
      padding: 9px 0; font-size: 13.5px; color: var(--gray-600);
      border-bottom: 1px solid rgba(0,0,0,.04);
      transition: all var(--t);
    }
    .m-submenu a:last-child { border-bottom: none; }
    .m-submenu a::before {
      content: ''; width: 5px; height: 5px; border-radius: 50%;
      background: var(--g200); flex-shrink: 0; transition: background var(--t);
    }
    .m-submenu a:hover { color: var(--g700); padding-left: 4px; }
    .m-submenu a:hover::before { background: var(--gold); }
    .mobile-nav .m-cta { margin-top: 18px; display: flex; flex-direction: column; gap: 10px; }
    .mobile-nav .btn { width: 100%; justify-content: center; }


  
    @media (max-width: 768px) {
      .nav-right .btn-sm { display: none !important; }
    }
    .dropdown.dropdown-wide { min-width: 250px; }
    .hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
    .hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
    .hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }
    /* ── SHARED HOMEPAGE HEADER (accordion + drawer) ───────── */
    .mobile-nav {
      display: grid;
      grid-template-rows: 0fr;
      background: var(--white);
      border-top: 1px solid transparent;
      box-shadow: none;
      text-align: left;
      overflow: hidden;
      transition: grid-template-rows .35s cubic-bezier(.22,.61,.36,1),
                  box-shadow .35s ease,
                  border-color .35s ease;
    }
    .mobile-nav.open {
      grid-template-rows: 1fr;
      border-top-color: var(--gray-100);
      box-shadow: 0 14px 36px rgba(0,0,0,.10);
      max-height: 85vh;
    }
    .mobile-nav-inner {
      min-height: 0;
      overflow: hidden;
      padding: 0 24px;
      text-align: left;
    }
    .mobile-nav.open .mobile-nav-inner {
      overflow-y: auto;
      -webkit-overflow-scrolling: touch;
      padding: 12px 24px 28px;
    }
    .m-nav-link {
      display: flex; align-items: center; justify-content: flex-start;
      text-align: left;
      padding: 12px 0; font-size: 15px; font-weight: 500;
      color: var(--gray-700); border-bottom: 1px solid var(--gray-100);
      transition: color var(--t), padding-left var(--t);
    }
    .m-nav-link:hover, .m-nav-link.active { color: var(--g700); font-weight: 600; padding-left: 4px; }
    .mobile-nav .m-nav-link::before { display: none; }
    .m-nav-item { border-bottom: 1px solid var(--gray-100); text-align: left; }
    .m-nav-header {
      display: flex; align-items: center; justify-content: space-between;
      width: 100%; text-align: left; cursor: pointer;
    }
    .m-nav-header .m-nav-link { border-bottom: none; flex-grow: 1; text-align: left; justify-content: flex-start; }
    .m-chev-btn {
      width: 40px; height: 40px; border: none; background: transparent;
      display: flex; align-items: center; justify-content: center;
      color: var(--gray-400); cursor: pointer; border-radius: 6px;
      transition: all var(--t); flex-shrink: 0;
    }
    .m-chev-btn:hover { background: var(--g50); color: var(--g700); }
    .m-nav-chev { width: 14px; height: 14px; transition: transform var(--t); }
    .m-nav-item.open .m-nav-chev { transform: rotate(180deg); color: var(--g700); }
    .m-submenu {
      max-height: 0;
      overflow: hidden;
      opacity: 0;
      padding: 0 12px;
      margin-bottom: 0;
      background: var(--gray-50);
      border-radius: 8px;
      text-align: left;
      transition: max-height .35s cubic-bezier(.22,.61,.36,1),
                  opacity .25s ease,
                  padding .35s ease,
                  margin .35s ease;
    }
    .m-nav-item.open .m-submenu {
      max-height: 480px;
      opacity: 1;
      padding: 6px 12px 12px 14px;
      margin-bottom: 10px;
    }
    .m-submenu a {
      display: flex; align-items: center; justify-content: flex-start;
      text-align: left; gap: 8px;
      padding: 9px 0; font-size: 13.5px; color: var(--gray-600);
      border-bottom: 1px solid rgba(0,0,0,.04);
      transition: all var(--t);
    }
    .m-submenu a:last-child { border-bottom: none; }
    .m-submenu a::before {
      content: ''; width: 5px; height: 5px; border-radius: 50%;
      background: var(--g200); flex-shrink: 0; transition: background var(--t);
    }
    .m-submenu a:hover { color: var(--g700); padding-left: 4px; }
    .m-submenu a:hover::before { background: var(--gold); }


    .dropdown-parent { display: block; }
    .dropdown-nested {
      display: block;
      max-height: 0;
      opacity: 0;
      overflow: hidden;
      padding: 0 0 0 8px;
      pointer-events: none;
    }
    .nav-item.hover-open .dropdown-nested {
      max-height: 220px;
      opacity: 1;
      overflow: hidden;
      padding: 2px 0 6px 8px;
      pointer-events: auto;
    }
    .dropdown-nested a {
      font-size: 12.5px;
      opacity: 0;
      transform: none;
    }
    .nav-item.hover-open .dropdown-nested a {
      opacity: 1;
    }
    .dropdown-parent:hover .dropdown-nested a:nth-child(1),
    .dropdown-parent.is-expanded .dropdown-nested a:nth-child(1) { transition-delay: .04s; }
    .dropdown-parent:hover .dropdown-nested a:nth-child(2),
    .dropdown-parent.is-expanded .dropdown-nested a:nth-child(2) { transition-delay: .08s; }
    .dropdown-parent:hover .dropdown-nested a:nth-child(3),
    .dropdown-parent.is-expanded .dropdown-nested a:nth-child(3) { transition-delay: .12s; }
    .dropdown-parent:hover .dropdown-nested a:nth-child(4),
    .dropdown-parent.is-expanded .dropdown-nested a:nth-child(4) { transition-delay: .16s; }
    .m-submenu-nested {
      max-height: 0;
      opacity: 0;
      overflow: hidden;
      padding: 0 0 0 16px;
      transition: max-height .32s cubic-bezier(.22,.61,.36,1),
                  opacity .22s ease,
                  padding .32s ease;
    }
    .m-nav-item.open .m-submenu-nested {
      max-height: 220px;
      opacity: 1;
      padding: 0 0 4px 16px;
    }
    .m-submenu-nested a { font-size: 14px; color: var(--gray-500, #6B7280); }
    .footer .file-dl,
    .footer-bottom .file-dl,
    .footer-bottom-links .file-dl,
    .footer-links .file-dl {
      display: inline !important;
      align-items: unset !important;
      padding: 0 !important;
      border: none !important;
      background: transparent !important;
      border-radius: 0 !important;
      gap: 0 !important;
      white-space: inherit !important;
      box-shadow: none !important;
    }
    .footer-col ul a.file-dl {
      color: rgba(255,255,255,.65) !important;
      font-size: 13.5px !important;
      font-weight: 400 !important;
    }
    .footer-bottom-links a.file-dl {
      color: rgba(255,255,255,.3) !important;
      font-size: 12px !important;
      font-weight: 400 !important;
    }
    .footer-col ul a.file-dl:hover {
      background: transparent !important;
      color: #fff !important;
      border: none !important;
    }
    .footer-bottom-links a.file-dl:hover {
      background: transparent !important;
      color: rgba(255,255,255,.7) !important;
      border: none !important;
    }

    /* ── SHARED HEADER/FOOTER (homepage) ── */
    .ann {
      background: var(--g50); color: var(--gray-600, #4B5563);
      border-bottom: 1px solid var(--g100);
      font-size: 13px; text-align: center; padding: 9px 24px;
      display: flex; align-items: center; justify-content: center;
      gap: 10px; flex-wrap: wrap;
    }
    .ann strong { color: var(--g800, #0D3380); }
    .ann a { color: var(--g700); font-weight: 700; }
    .ann a:hover { text-decoration: underline; }
    .ann-sep { opacity: .3; }
    .ann-pulse {
      display: inline-block;
      width: 7px; height: 7px; border-radius: 50%;
      background: var(--g700);
      animation: pulse 2s ease-in-out infinite;
      flex-shrink: 0;
    }
    @keyframes pulse {
      0%, 100% { opacity: 1; transform: scale(1); box-shadow: 0 0 0 0 rgba(21,101,216,.35); }
      50%       { opacity: .8; transform: scale(1.15); box-shadow: 0 0 0 5px rgba(21,101,216,0); }
    }
    .navbar { margin-bottom: 0; }
    .nav-inner { height: 72px; }
    .nav-logo img { height: 42px; width: auto; }
    .nav-link {
      padding: 9px 14px !important;
      font-size: 13.5px !important;
    }
    @media (max-width: 1280px) {
      .nav-link { padding: 7px 9px !important; font-size: 12.5px !important; }
    }
    .nav-chev { width: 12px !important; height: 12px !important; }
    .dropdown {
      top: calc(100% + 8px) !important;
      left: 0 !important;
      right: auto !important;
      transform: translateY(10px) scale(.97) !important;
      transform-origin: top left !important;
      border-radius: var(--rl, 18px) !important;
      min-width: 220px !important;
      box-shadow: var(--sh-lg, 0 12px 48px rgba(0,0,0,.13)) !important;
      z-index: 200 !important;
    }
    .dropdown.dropdown-wide { min-width: 250px !important; }
    .nav-item:hover .dropdown,
    .nav-item.hover-open .dropdown {
      opacity: 1 !important;
      pointer-events: all !important;
      transform: none !important;
    }
    .dropdown a {
      display: flex !important;
      align-items: center !important;
      gap: 8px !important;
      padding: 9px 14px !important;
      font-size: 13.5px !important;
      border-radius: 8px !important;
    }
    .dropdown a::before {
      content: '' !important;
      width: 5px !important;
      height: 5px !important;
      border-radius: 50% !important;
      background: var(--g200) !important;
      flex-shrink: 0 !important;
    }
    .dropdown a:hover::before { background: var(--gold) !important; }
    .footer { background: var(--g900); color: rgba(255,255,255,.75); padding: 64px 0 0; }
    .footer-top {
      display: grid !important;
      grid-template-columns: 1.6fr 1fr 1fr 1.2fr !important;
      gap: 40px !important;
      padding-bottom: 48px !important;
      border-bottom: 1px solid rgba(255,255,255,.1) !important;
    }
    .footer-logo img {
      height: 38px !important;
      width: auto !important;
      filter: brightness(0) invert(1) !important;
      margin-bottom: 16px !important;
    }
    .footer-tagline {
      font-size: 13px !important;
      line-height: 1.7 !important;
      color: rgba(255,255,255,.5) !important;
      max-width: 280px !important;
      margin-bottom: 18px !important;
    }
    .footer-entities {
      list-style: none !important;
      display: flex !important;
      flex-direction: column !important;
      gap: 14px !important;
      max-width: 280px !important;
      margin: 0 !important;
      padding: 0 !important;
    }
    .footer-entities li {
      font-size: 12.5px !important;
      line-height: 1.45 !important;
      color: rgba(255,255,255,.5) !important;
    }
    .footer-entities li span {
      display: block !important;
      font-size: 11.5px !important;
      color: rgba(255,255,255,.35) !important;
      margin-top: 3px !important;
    }
    .footer-col h4 {
      font-size: 11px !important;
      font-weight: 700 !important;
      letter-spacing: 1.2px !important;
      text-transform: uppercase !important;
      color: var(--gold) !important;
      margin-bottom: 16px !important;
    }
    .footer-col h4.footer-h4-spaced { margin-top: 24px !important; }
    .footer-col ul {
      list-style: none !important;
      display: flex !important;
      flex-direction: column !important;
      gap: 10px !important;
    }
    .footer-col ul a {
      font-size: 13.5px !important;
      color: rgba(255,255,255,.65) !important;
    }
    .footer-col ul a:hover { color: #fff !important; }
    .footer-address {
      font-size: 13px !important;
      line-height: 1.8 !important;
      color: rgba(255,255,255,.55) !important;
      margin-bottom: 20px !important;
    }
    .footer-contact-link {
      display: flex !important;
      align-items: center !important;
      gap: 8px !important;
      font-size: 13.5px !important;
      color: rgba(255,255,255,.75) !important;
      margin-bottom: 10px !important;
    }
    .footer-contact-link svg { width: 15px !important; height: 15px !important; flex-shrink: 0 !important; }
    .footer-contact-link:hover { color: #fff !important; }
    .footer-bottom {
      display: flex !important;
      align-items: center !important;
      justify-content: space-between !important;
      padding: 20px 0 !important;
      font-size: 12px !important;
      color: rgba(255,255,255,.3) !important;
      flex-wrap: wrap !important;
      gap: 10px !important;
    }
    .footer-bottom-links { display: flex !important; gap: 20px !important; }
    .footer-bottom-links a { color: rgba(255,255,255,.3) !important; }
    .footer-bottom-links a:hover { color: rgba(255,255,255,.7) !important; }
    @media (max-width: 900px) {
      .footer-top { grid-template-columns: 1fr 1fr !important; gap: 32px !important; }
    }
    @media (max-width: 480px) {
      .footer-top { grid-template-columns: 1fr !important; }
      .footer-bottom { flex-direction: column !important; text-align: center !important; }
    }


.ip0{color:var(--g900) !important}