/* ==========================================================================
   SBK GLOBAL FINSERVE & INFRA — Premium Design System
   Palette: Deep Navy / Royal Blue / Subtle Gold / Light Grey / White
   ========================================================================== */

:root {
  --navy-900: #071426;
  --navy-800: #0a1b33;
  --navy-700: #102a4d;
  --navy-600: #16365f;
  --royal: #1f4fd8;
  --royal-dark: #173bb0;
  --royal-light: #4d7aff;
  --gold: #c8a24c;
  --gold-soft: #e6cf9a;
  --bg: #f6f7fb;
  --bg-alt: #eef1f7;
  --white: #ffffff;
  --ink: #101b2d;
  --charcoal: #414b5c;
  --muted: #6b7688;
  --line: #e3e8f0;
  --success: #1f9d6a;
  --radius: 16px;
  --radius-lg: 22px;
  --shadow-sm: 0 2px 10px rgba(7, 20, 38, .06);
  --shadow-md: 0 10px 30px rgba(7, 20, 38, .10);
  --shadow-lg: 0 24px 60px rgba(7, 20, 38, .14);
  --font-head: "Outfit", "Segoe UI", system-ui, sans-serif;
  --font-body: "Inter", "Segoe UI", system-ui, sans-serif;
  --maxw: 1200px;
}

/* ============ Reset ============ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 16.5px;
  -webkit-font-smoothing: antialiased;
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font: inherit; cursor: pointer; border: 0; background: none; }
input, select, textarea { font: inherit; }

::selection { background: var(--gold); color: var(--navy-900); }

h1, h2, h3, h4, h5 { font-family: var(--font-head); line-height: 1.15; font-weight: 700; letter-spacing: -.01em; }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 22px; }
.container-narrow { max-width: 880px; }

.skip-link {
  position: absolute; left: -999px; top: 0; background: var(--navy-800); color: #fff; padding: 10px 16px; z-index: 9999; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

/* ============ Typography ============ */
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .78rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase;
  color: var(--royal);
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold); }
.eyebrow.center::after { content: ""; width: 26px; height: 2px; background: var(--gold); }

.h2 { font-size: clamp(1.7rem, 3.4vw, 2.6rem); color: var(--navy-800); }
.h3 { font-size: clamp(1.25rem, 2.2vw, 1.55rem); color: var(--navy-800); }
.lead { font-size: clamp(1.02rem, 1.6vw, 1.2rem); color: var(--charcoal); }
.muted { color: var(--muted); }
.tight { letter-spacing: -.02em; }

.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-royal { color: var(--royal); }
.on-dark { color: rgba(255,255,255,.86); }

.section { padding: 88px 0; }
.section.alt { background: var(--white); }
.section.dark { background: var(--navy-800); color: #fff; }
.section.grad { background: linear-gradient(180deg, var(--bg), #fff); }

.section-head { max-width: 780px; margin: 0 auto 52px; text-align: center; }
.section-head.left { margin: 0 0 44px; text-align: left; }
.section-head .h2 { margin: 14px 0 14px; }
.section-head p { margin-top: 6px; }

/* ============ Buttons ============ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--font-head); font-weight: 600; font-size: 1rem;
  padding: 15px 28px; border-radius: 12px; line-height: 1.2;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease, color .2s ease, border-color .2s ease;
  white-space: nowrap; text-align: center;
}
.btn:active { transform: translateY(1px); }

.btn-primary { background: var(--royal); color: #fff; box-shadow: 0 8px 22px rgba(31,79,216,.30); }
.btn-primary:hover { background: var(--royal-dark); box-shadow: 0 12px 28px rgba(31,79,216,.40); transform: translateY(-2px); }

.btn-gold { background: var(--gold); color: var(--navy-900); box-shadow: 0 8px 22px rgba(200,162,76,.32); }
.btn-gold:hover { background: #d4ac55; transform: translateY(-2px); box-shadow: 0 12px 28px rgba(200,162,76,.42); }

.btn-outline { border: 2px solid var(--royal); color: var(--royal); }
.btn-outline:hover { background: var(--royal); color: #fff; }

.btn-white-outline { border: 2px solid rgba(255,255,255,.55); color: #fff; }
.btn-white-outline:hover { background: #fff; color: var(--navy-800); }

.btn-light { background: #fff; color: var(--navy-800); box-shadow: var(--shadow-md); }
.btn-light:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }

.btn-sm { padding: 11px 20px; font-size: .92rem; border-radius: 10px; }
.btn-block { width: 100%; }

.btn i, .btn svg { width: 18px; height: 18px; flex: none; }

/* ============ Topbar ============ */
.topbar { background: var(--navy-900); color: rgba(255,255,255,.85); font-size: .85rem; }
.topbar .container { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 42px; flex-wrap: wrap; }
.topbar a { display: inline-flex; align-items: center; gap: 7px; }
.topbar a:hover { color: var(--gold-soft); }
.topbar .tb-item { display: inline-flex; align-items: center; gap: 7px; }
.topbar .tb-right { display: flex; gap: 20px; flex-wrap: wrap; }
.topbar svg { width: 15px; height: 15px; flex: none; }

/* ============ Header / Nav ============ */
.site-header {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255,255,255,.92); backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(227,232,240,.7);
  transition: box-shadow .25s ease;
}
.site-header.scrolled { box-shadow: var(--shadow-sm); }
.site-header .nav-wrap { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 76px; }

.brand { display: flex; align-items: center; gap: 12px; }
.brand .logo-mark {
  width: 46px; height: 46px; border-radius: 12px; flex: none;
  background: linear-gradient(135deg, var(--navy-800), var(--royal));
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 6px 16px rgba(31,79,216,.30);
}
.brand .logo-mark svg { width: 26px; height: 26px; }
.brand-name { font-family: var(--font-head); font-weight: 800; font-size: 1.12rem; line-height: 1.1; color: var(--navy-800); letter-spacing: -.01em; }
.brand-name span { color: var(--royal); }
.brand-tag { font-size: .68rem; letter-spacing: .22em; text-transform: uppercase; color: var(--muted); font-weight: 600; }

.nav { display: flex; align-items: center; gap: 4px; }
.nav > li > a { display: inline-flex; align-items: center; gap: 6px; padding: 10px 13px; font-size: .94rem; font-weight: 500; color: var(--ink); border-radius: 8px; transition: color .2s, background .2s; }
.nav > li > a:hover { color: var(--royal); background: rgba(31,79,216,.06); }
.nav-toggle { display: none; }

.nav-actions { display: flex; align-items: center; gap: 10px; }

/* ============ Hero (Home) ============ */
.hero {
  position: relative; overflow: hidden;
  background: var(--navy-900);
  background-image:
    radial-gradient(ellipse 60% 50% at 78% 8%, rgba(31,79,216,.35), transparent 60%),
    radial-gradient(ellipse 45% 45% at 10% 90%, rgba(200,162,76,.14), transparent 55%),
    linear-gradient(180deg, var(--navy-900), var(--navy-700));
  color: #fff;
}
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; padding: 76px 0 90px; }
.hero-kicker { display: inline-flex; align-items: center; gap: 9px; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16); padding: 8px 16px; border-radius: 999px; font-size: .82rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--gold-soft); }
.hero-kicker svg { width: 15px; height: 15px; }
.hero h1 { font-size: clamp(2.3rem, 5vw, 3.6rem); font-weight: 800; color: #fff; margin: 22px 0 18px; letter-spacing: -.02em; }
.hero h1 .goldline { color: var(--gold-soft); }
.hero .sub { font-size: clamp(1.02rem, 1.6vw, 1.22rem); color: rgba(255,255,255,.82); max-width: 560px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 26px; margin-top: 40px; }
.hero-trust .ht { display: flex; align-items: center; gap: 10px; font-size: .88rem; color: rgba(255,255,255,.78); }
.hero-trust svg { width: 20px; height: 20px; color: var(--gold-soft); flex: none; }

/* Hero visual composition (CSS/SVG skyline) */
.hero-visual { position: relative; }
.skyline-card {
  position: relative; border-radius: 24px; overflow: hidden;
  background: linear-gradient(180deg, #16294d, #0d1f3f);
  border: 1px solid rgba(255,255,255,.14);
  box-shadow: var(--shadow-lg);
  padding: 22px;
  transition: transform .35s ease;
}
.skyline-card:hover { transform: translateY(-6px); }
.sc-top { display: flex; justify-content: space-between; align-items: center; padding-bottom: 16px; }
.sc-label { font-size: .75rem; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.6); }
.sc-value { font-family: var(--font-head); font-weight: 700; color: var(--gold-soft); }
.sc-chart { display: flex; align-items: flex-end; gap: 7px; height: 120px; padding: 10px 0 4px; }
.sc-chart span { flex: 1; border-radius: 6px 6px 0 0; background: linear-gradient(180deg, var(--royal-light), var(--royal)); min-height: 18px; opacity: .9; }
.sc-chart span:nth-child(odd) { background: linear-gradient(180deg, var(--gold-soft), var(--gold)); opacity: .85; }
.sc-bars { margin-top: 8px; display: grid; grid-template-columns: repeat(11, 1fr); gap: 3px; align-items: flex-end; }
.sc-bars i { display: block; background: rgba(255,255,255,.5); }
.sc-bars i.hiz { background: var(--gold-soft); }
.sc-bars i.hiz2 { background: var(--royal-light); }

.sc-float {
  position: absolute; top: 46%; right: -16px; transform: translateY(-50%);
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16);
  backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  border-radius: 16px; padding: 14px 18px; color: #fff; box-shadow: var(--shadow-md);
  display: flex; align-items: center; gap: 12px;
}
.sc-float .ring { width: 44px; height: 44px; border-radius: 50%; border: 3px solid rgba(255,255,255,.2); border-top-color: var(--gold-soft); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .8rem; color: var(--gold-soft); }
.sc-float b { display: block; font-size: .86rem; }
.sc-float small { color: rgba(255,255,255,.65); font-size: .74rem; }

.sc-float.bottom { right: auto; left: -16px; top: auto; bottom: 26px; transform: none; }
.sc-float.bottom .ring { border-top-color: var(--royal-light); color: var(--royal-light); }

/* ============ Trust strip ============ */
.trust-strip { background: var(--white); border-bottom: 1px solid var(--line); }
.trust-strip .ts-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 10px; padding: 26px 0; }
.trust-item { display: flex; align-items: center; gap: 12px; padding: 8px 6px; }
.trust-item svg { width: 26px; height: 26px; color: var(--royal); flex: none; }
.trust-item b { font-family: var(--font-head); font-size: .95rem; color: var(--navy-800); display: block; line-height: 1.25; }
.trust-item small { color: var(--muted); font-size: .8rem; }

/* ============ Cards ============ */
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 30px; box-shadow: var(--shadow-sm);
  transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
  height: 100%;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: rgba(31,79,216,.3); }

.card-icon {
  width: 56px; height: 56px; border-radius: 14px; margin-bottom: 20px;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, rgba(31,79,216,.10), rgba(200,162,76,.12));
  color: var(--royal);
}
.card-icon svg { width: 28px; height: 28px; }
.card h3 { font-size: 1.22rem; margin-bottom: 10px; }
.card p { color: var(--charcoal); font-size: .96rem; }
.card .card-link { display: inline-flex; align-items: center; gap: 7px; margin-top: 18px; font-family: var(--font-head); font-weight: 600; color: var(--royal); font-size: .92rem; }
.card .card-link svg { width: 16px; height: 16px; transition: transform .2s; }
.card .card-link:hover svg { transform: translateX(4px); }

.grid { display: grid; gap: 26px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* ============ Why choose ============ */
.why-item { display: flex; gap: 18px; padding: 26px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); }
.why-item .num { font-family: var(--font-head); font-weight: 800; font-size: 1.5rem; color: var(--gold); flex: none; line-height: 1; }
.why-item h4 { margin-bottom: 6px; font-size: 1.05rem; }
.why-item p { font-size: .92rem; color: var(--muted); }

/* ============ Steps ============ */
.steps { display: grid; grid-template-columns: repeat(5, 1fr); gap: 18px; counter-reset: step; }
.step-card {
  position: relative; background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius-lg); padding: 26px 22px; box-shadow: var(--shadow-sm);
  text-align: left; height: 100%;
}
.step-card::before {
  counter-increment: step; content: "0" counter(step);
  font-family: var(--font-head); font-weight: 800; font-size: 2.6rem; line-height: 1;
  color: rgba(31,79,216,.14); display: block; margin-bottom: 12px;
}
.step-card h4 { font-size: 1.08rem; margin-bottom: 8px; }
.step-card p { font-size: .9rem; color: var(--muted); }
.step-arrow { position: absolute; right: -14px; top: 36%; z-index: 2; width: 26px; height: 26px; color: var(--gold); }
@media (max-width: 999px) { .steps { grid-template-columns: repeat(2, 1fr); } .step-arrow { display: none; } }
@media (max-width: 640px) { .steps { grid-template-columns: 1fr; } }

/* ============ Process bar (project finance) ============ */
.process { display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; }
.process-step { text-align: center; position: relative; }
.process-step .p-node {
  width: 58px; height: 58px; margin: 0 auto 14px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  background: var(--white); border: 2px solid var(--royal); color: var(--royal);
  font-family: var(--font-head); font-weight: 700; box-shadow: var(--shadow-sm);
}
.process-step .p-node svg { width: 24px; height: 24px; }
.process-step h5 { font-size: .98rem; margin-bottom: 5px; }
.process-step p { font-size: .82rem; color: var(--muted); max-width: 150px; margin: 0 auto; }
.process-step::after { content: ""; position: absolute; top: 28px; right: -10px; width: 20px; height: 2px; background: var(--royal); opacity: .35; }
.process-step:last-child::after { display: none; }
@media (max-width: 999px) { .process { grid-template-columns: repeat(2, 1fr); row-gap: 30px; } .process-step::after { display: none; } }
@media (max-width: 560px) { .process { grid-template-columns: 1fr; } }

/* ============ Accordion (FAQ) ============ */
.accordion { display: grid; gap: 12px; }
.acc-item { background: var(--white); border: 1px solid var(--line); border-radius: 14px; overflow: hidden; }
.acc-q { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 20px 22px; text-align: left; font-family: var(--font-head); font-weight: 600; font-size: 1.02rem; color: var(--navy-800); }
.acc-q .acc-icon { width: 30px; height: 30px; flex: none; border-radius: 9px; background: rgba(31,79,216,.08); color: var(--royal); display: flex; align-items: center; justify-content: center; transition: transform .25s, background .25s; }
.acc-q .acc-icon svg { width: 16px; height: 16px; }
.acc-item.open .acc-q .acc-icon { transform: rotate(45deg); background: var(--royal); color: #fff; }
.acc-a { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.acc-a-inner { padding: 0 22px 22px; color: var(--charcoal); font-size: .96rem; }
.acc-item.open .acc-a { max-height: 600px; }

/* ============ Forms ============ */
.form-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); padding: 34px; }
.form-card.dark-form { background: var(--navy-800); border-color: rgba(255,255,255,.08); color: #fff; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: grid; gap: 7px; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: .84rem; font-weight: 600; color: var(--ink); }
.dark-form .field label { color: rgba(255,255,255,.9); }
.field input, .field select, .field textarea {
  width: 100%; background: var(--bg); border: 1.5px solid var(--line); border-radius: 11px;
  padding: 13px 15px; color: var(--ink); transition: border-color .2s, box-shadow .2s;
}
.dark-form .field input, .dark-form .field select, .dark-form .field textarea { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.14); color: #fff; }
.dark-form .field option { color: var(--ink); }
.field input::placeholder, .field textarea::placeholder { color: var(--muted); }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--royal); box-shadow: 0 0 0 4px rgba(31,79,216,.12); }
.dark-form .field input:focus, .dark-form .field select:focus, .dark-form .field textarea:focus { box-shadow: 0 0 0 4px rgba(255,255,255,.08); }
.field textarea { min-height: 120px; resize: vertical; }
.field select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%236b7688' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; }
.form-note { font-size: .82rem; color: var(--muted); }
.dark-form .form-note { color: rgba(255,255,255,.6); }
.form-success { display: none; text-align: center; padding: 30px 10px; }
.form-success.show { display: block; }
.form-success .ok { width: 64px; height: 64px; margin: 0 auto 16px; border-radius: 50%; background: rgba(31,157,106,.12); color: var(--success); display: flex; align-items: center; justify-content: center; }
.form-success .ok svg { width: 30px; height: 30px; }

/* ============ Recognition / award ============ */
.award-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 34px; text-align: center; box-shadow: var(--shadow-sm); height: 100%; }
.award-card .badge { width: 74px; height: 74px; margin: 0 auto 18px; border-radius: 50%; background: linear-gradient(135deg, var(--gold-soft), var(--gold)); display: flex; align-items: center; justify-content: center; color: var(--navy-900); box-shadow: 0 10px 24px rgba(200,162,76,.35); }
.award-card .badge svg { width: 34px; height: 34px; }
.award-card h3 { font-size: 1.15rem; margin-bottom: 10px; }

/* ============ City chips ============ */
.city-chip { display: flex; align-items: center; gap: 12px; background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 16px 18px; box-shadow: var(--shadow-sm); transition: transform .25s, box-shadow .25s; }
.city-chip:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.city-chip .pin { width: 40px; height: 40px; flex: none; border-radius: 11px; background: rgba(31,79,216,.09); color: var(--royal); display: flex; align-items: center; justify-content: center; }
.city-chip .pin svg { width: 20px; height: 20px; }
.city-chip .city { font-family: var(--font-head); font-weight: 700; color: var(--navy-800); }
.city-chip small { color: var(--muted); display: block; font-size: .8rem; }
.city-chip.hq .pin { background: rgba(200,162,76,.15); color: var(--gold); }

/* ============ Contact cards ============ */
.contact-card { display: flex; gap: 16px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow-sm); height: 100%; }
.contact-card .cc-icon { width: 46px; height: 46px; flex: none; border-radius: 12px; background: rgba(31,79,216,.09); color: var(--royal); display: flex; align-items: center; justify-content: center; }
.contact-card .cc-icon svg { width: 22px; height: 22px; }
.contact-card h4 { font-size: 1rem; margin-bottom: 4px; }
.contact-card p, .contact-card a.tel { color: var(--charcoal); font-size: .92rem; }
.contact-card a.tel:hover { color: var(--royal); }

/* ============ Person profile ============ */
.person { display: flex; gap: 24px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 30px; box-shadow: var(--shadow-sm); align-items: flex-start; }
.person .avatar { width: 86px; height: 86px; flex: none; border-radius: 20px; background: linear-gradient(135deg, var(--navy-700), var(--royal)); display: flex; align-items: center; justify-content: center; color: var(--gold-soft); font-family: var(--font-head); font-weight: 800; font-size: 1.9rem; box-shadow: 0 10px 24px rgba(31,79,216,.30); }
.person h3 { font-size: 1.25rem; }
.person .role { color: var(--royal); font-weight: 600; font-size: .9rem; letter-spacing: .04em; text-transform: uppercase; }
.person p { color: var(--charcoal); font-size: .94rem; margin-top: 8px; }
.person .cta-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 16px; }

/* ============ Table ============ */
.simple-table { width: 100%; border-collapse: collapse; background: var(--white); border-radius: 14px; overflow: hidden; border: 1px solid var(--line); }
.simple-table th, .simple-table td { text-align: left; padding: 16px 20px; font-size: .94rem; border-bottom: 1px solid var(--line); }
.simple-table th { background: var(--navy-800); color: #fff; font-family: var(--font-head); font-weight: 600; font-size: .88rem; letter-spacing: .02em; }
.simple-table tr:last-child td { border-bottom: 0; }
.simple-table td { color: var(--charcoal); }

/* ============ Comparison / checklist ============ */
.check-list li { display: flex; gap: 12px; align-items: flex-start; padding: 8px 0; color: var(--charcoal); }
.check-list li svg { width: 20px; height: 20px; flex: none; color: var(--success); margin-top: 3px; }
.check-list b { color: var(--navy-800); font-weight: 600; }

/* ============ Financial dashboard UI (page 6) ============ */
.dash-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); overflow: hidden; }
.dash-head { display: flex; align-items: center; justify-content: space-between; padding: 16px 20px; border-bottom: 1px solid var(--line); }
.dash-head h4 { font-size: .98rem; }
.dash-head .pill { font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; }
.pill-blue { background: rgba(31,79,216,.10); color: var(--royal); }
.pill-gold { background: rgba(200,162,76,.15); color: #97701f; }
.dash-body { padding: 20px; }
.metric { display: grid; gap: 4px; }
.metric .m-label { font-size: .76rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.metric .m-value { font-family: var(--font-head); font-weight: 700; font-size: 1.5rem; color: var(--navy-800); }
.metric .m-sub { font-size: .8rem; color: var(--muted); }
.row-metrics { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.meter { height: 8px; border-radius: 99px; background: var(--bg-alt); overflow: hidden; }
.meter i { display: block; height: 100%; border-radius: 99px; background: linear-gradient(90deg, var(--royal), var(--royal-light)); }

/* ============ Callout / note ============ */
.callout { display: flex; gap: 16px; background: rgba(200,162,76,.09); border: 1px solid rgba(200,162,76,.35); border-radius: 14px; padding: 20px 22px; color: var(--navy-800); }
.callout svg { width: 24px; height: 24px; flex: none; color: var(--gold); margin-top: 2px; }
.callout p { font-size: .94rem; }

.notice { background: rgba(31,79,216,.06); border-left: 4px solid var(--royal); border-radius: 10px; padding: 16px 20px; color: var(--charcoal); font-size: .92rem; }

/* ============ CTA band ============ */
.cta-band { background: var(--navy-800); position: relative; overflow: hidden; color: #fff; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(ellipse 50% 80% at 85% 20%, rgba(31,79,216,.45), transparent 60%), radial-gradient(ellipse 40% 60% at 10% 90%, rgba(200,162,76,.16), transparent 55%); }
.cta-band .container { position: relative; display: grid; grid-template-columns: 1.3fr .7fr; gap: 40px; align-items: center; padding: 64px 22px; }
.cta-band h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); color: #fff; margin-bottom: 10px; }
.cta-band p { color: rgba(255,255,255,.8); max-width: 600px; }
.cta-band .cta-btns { display: flex; flex-wrap: wrap; gap: 14px; }

/* ============ Sticky mobile action bar ============ */
.mobile-action-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 900;
  display: none; background: var(--navy-900); border-top: 1px solid rgba(255,255,255,.12);
  padding: 10px 12px calc(10px + env(safe-area-inset-bottom, 0));
  box-shadow: 0 -8px 24px rgba(7,20,38,.3);
}
.mobile-action-bar .mab-grid { display: grid; grid-template-columns: 1fr 1fr 1.4fr; gap: 10px; }
.mab-btn { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 4px; padding: 9px 6px; border-radius: 11px; font-family: var(--font-head); font-weight: 600; font-size: .78rem; letter-spacing: .02em; }
.mab-btn svg { width: 19px; height: 19px; }
.mab-call { background: rgba(255,255,255,.06); color: #fff; border: 1px solid rgba(255,255,255,.14); }
.mab-wa { background: rgba(37,211,102,.16); color: #fff; border: 1px solid rgba(37,211,102,.4); }
.mab-fund { background: var(--gold); color: var(--navy-900); }
.mab-fund svg { color: var(--navy-900); }
@media (max-width: 760px) { .mobile-action-bar { display: block; } body { padding-bottom: 74px; } }

/* ============ Floating WhatsApp ============ */
.float-wa {
  position: fixed; right: 22px; bottom: 26px; z-index: 890;
  width: 58px; height: 58px; border-radius: 50%;
  background: #25d366; color: #fff; display: flex; align-items: center; justify-content: center;
  box-shadow: 0 10px 26px rgba(37,211,102,.45); transition: transform .25s;
}
.float-wa:hover { transform: scale(1.08); }
.float-wa svg { width: 30px; height: 30px; }
@media (max-width: 760px) { .float-wa { bottom: 92px; } }

/* ============ Footer ============ */
.site-footer { background: var(--navy-900); color: rgba(255,255,255,.72); }
.footer-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding: 64px 0 44px; }
.site-footer h5 { color: #fff; font-size: 1rem; margin-bottom: 18px; letter-spacing: .02em; }
.site-footer .f-links li { margin-bottom: 10px; }
.site-footer .f-links a { font-size: .92rem; color: rgba(255,255,255,.72); transition: color .2s; }
.site-footer .f-links a:hover { color: var(--gold-soft); }
.site-footer .f-contact li { display: flex; gap: 10px; margin-bottom: 14px; font-size: .9rem; }
.site-footer .f-contact svg { width: 18px; height: 18px; flex: none; color: var(--gold-soft); margin-top: 3px; }
.footer-mid { border-top: 1px solid rgba(255,255,255,.1); padding: 22px 0; display: flex; flex-wrap: wrap; gap: 18px; justify-content: space-between; align-items: center; font-size: .88rem; }
.footer-mid a { color: rgba(255,255,255,.72); }
.footer-mid a:hover { color: var(--gold-soft); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 20px 0; font-size: .8rem; color: rgba(255,255,255,.5); display: flex; flex-wrap: wrap; gap: 10px; justify-content: space-between; }

/* ============ Breadcrumb ============ */
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: .84rem; color: rgba(255,255,255,.66); padding-top: 26px; }
.breadcrumb a:hover { color: var(--gold-soft); }
.breadcrumb svg { width: 14px; height: 14px; }

/* ============ Inner hero ============ */
.inner-hero { position: relative; overflow: hidden; background: linear-gradient(180deg, var(--navy-900), var(--navy-700)); color: #fff; }
.inner-hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(ellipse 55% 70% at 82% 10%, rgba(31,79,216,.4), transparent 62%), radial-gradient(ellipse 40% 50% at 8% 100%, rgba(200,162,76,.15), transparent 55%); }
.inner-hero .container { position: relative; padding-top: 34px; padding-bottom: 60px; }
.inner-hero h1 { font-size: clamp(2rem, 4.4vw, 3.1rem); color: #fff; margin: 16px 0 14px; max-width: 820px; }
.inner-hero .sub-hero { max-width: 680px; }

/* ============ Map / Pana image ============ */
.map-panel { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); padding: 30px; }
.map-panel svg { width: 100%; height: auto; }
.city-dot { fill: var(--royal); }
.city-dot:hover { fill: var(--gold); }

/* ============ Marquee ============ */
.marquee { overflow: hidden; background: var(--white); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.marquee-track { display: flex; gap: 44px; width: max-content; animation: marquee 30s linear infinite; padding: 18px 0; }
.marquee-track span { display: inline-flex; align-items: center; gap: 12px; font-family: var(--font-head); font-weight: 600; color: var(--navy-700); font-size: .95rem; white-space: nowrap; }
.marquee-track svg { width: 16px; height: 16px; color: var(--gold); }
@keyframes marquee { to { transform: translateX(-50%); } }

/* ============ Reveal animations ============ */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .6s ease, transform .6s ease; }
.reveal.visible { opacity: 1; transform: none; }
.reveal-delay-1 { transition-delay: .08s; }
.reveal-delay-2 { transition-delay: .16s; }
.reveal-delay-3 { transition-delay: .24s; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .reveal { opacity: 1; transform: none; }
}

/* ============ Responsive ============ */
@media (max-width: 1080px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .trust-strip .ts-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 999px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; padding: 56px 0 70px; }
  .sc-float { right: auto; left: 10px; top: auto; bottom: -14px; }
  .sc-float.bottom { display: none; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .cta-band .container { grid-template-columns: 1fr; }
}

@media (max-width: 860px) {
  .site-header { position: sticky; }
  .nav {
    position: fixed; inset: 76px 0 auto 0; background: var(--white);
    flex-direction: column; align-items: stretch; gap: 4px; padding: 16px 22px 24px;
    border-bottom: 1px solid var(--line); box-shadow: var(--shadow-lg);
    max-height: 0; overflow: hidden; transition: max-height .35s ease; opacity: 0;
  }
  .nav.open { max-height: 520px; opacity: 1; }
  .nav > li > a { padding: 13px 10px; border-radius: 10px; }
  .nav-toggle { display: inline-flex; }
  .nav-cta-desktop { display: none; }
  .topbar .tb-right { gap: 12px; }
}

@media (max-width: 760px) {
  .section { padding: 62px 0; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .row-metrics { grid-template-columns: 1fr 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .person { flex-direction: column; }
  .hero-trust { gap: 16px; }
  .footer-top { grid-template-columns: 1fr; gap: 30px; }
  .trust-strip .ts-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-ctas .btn { width: 100%; }
}

@media (max-width: 420px) {
  .brand-tag { display: none; }
}