:root {
    --primary: #1a3c5e;
    --accent: #f4a832;
    --accent2: #e05c2a;
    --light-bg: #f5f7fa;
    --white: #ffffff;
    --text: #1e2935;
    --muted: #6b7a8d;
    --border: #dde3ec;
    --nav-h: 72px;
  }
  * { margin: 0; padding: 0; box-sizing: border-box; }
  html { scroll-behavior: smooth; }
  body { font-family: 'DM Sans', sans-serif; color: var(--text); background: var(--white); overflow-x: hidden; }
  a { text-decoration: none; color: inherit; }
  img { max-width: 100%; }

  /* ── TOP BAR ── */
  .topbar {
    background: var(--primary);
    color: rgba(255,255,255,0.85);
    font-size: 13px;
    padding: 7px 0;
  }
  .topbar-inner {
    max-width: 1200px; margin: 0 auto; padding: 0 24px;
    display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap;
  }
  .topbar a { color: var(--accent); }
  .topbar-right { display: flex; gap: 20px; align-items: center; }

  /* ── NAVBAR ── */
  nav {
    position: sticky; top: 0; z-index: 999;
    background: var(--white); border-bottom: 1px solid var(--border);
    box-shadow: 0 2px 16px rgba(0,0,0,0.06);
  }
  .nav-inner {
    max-width: 1200px; margin: 0 auto; padding: 0 24px;
    height: var(--nav-h); display: flex; align-items: center; justify-content: space-between;
  }
  .logo {
    font-family: 'Sora', sans-serif; font-size: 26px; font-weight: 700;
    color: var(--primary); letter-spacing: -0.5px;
  }
  .logo span { color: var(--accent); }
  .nav-links { display: flex; gap: 4px; align-items: center; list-style: none; }
  .nav-links > li { position: relative; }
  .nav-links > li > a {
    display: block; padding: 8px 14px; font-size: 14px; font-weight: 500;
    color: var(--text); border-radius: 6px; transition: background .2s, color .2s;
  }
  .nav-links > li > a:hover { background: var(--light-bg); color: var(--primary); }
  .nav-links > li > a.has-drop::after { content: ' ▾'; font-size: 10px; }
  .dropdown {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translateY(6px);
  transition: opacity .18s ease, transform .18s ease, visibility .18s ease;
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  min-width: 220px;
  padding: 12px 0 8px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.12);
  z-index: 999;
}

.nav-links > li:hover .dropdown {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateY(0);
}
  .dropdown a {
    display: block; padding: 9px 18px; font-size: 13.5px; color: var(--muted);
    transition: background .15s, color .15s;
  }
  .dropdown a:hover { background: var(--light-bg); color: var(--primary); }
  .nav-cta {
    background: var(--accent); color: var(--white) !important; border-radius: 8px;
    padding: 9px 20px !important; font-weight: 600 !important; transition: background .2s !important;
  }
  .nav-cta:hover { background: #d4921e !important; }
  .hamburger {
    display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px;
  }
  .hamburger span { display: block; width: 24px; height: 2px; background: var(--primary); border-radius: 2px; transition: .3s; }
  .mobile-menu {
    display: none; flex-direction: column; background: var(--white);
    border-top: 1px solid var(--border); padding: 12px 24px 20px;
  }
  .mobile-menu a {
    display: block; padding: 10px 0; font-size: 15px; font-weight: 500;
    border-bottom: 1px solid var(--border); color: var(--text);
  }
  .mobile-menu a:last-child { border-bottom: none; }
  .mobile-menu .mm-sub { padding-left: 16px; font-size: 14px; color: var(--muted); }

  /* ── HERO ── */
  .hero {
    background: linear-gradient(135deg, #0d2640 0%, #1a3c5e 55%, #1e4f7a 100%);
    color: var(--white); padding: 80px 24px 60px; position: relative; overflow: hidden;
  }
  .hero::before {
    content: ''; position: absolute; right: -80px; top: -60px;
    width: 520px; height: 520px; border-radius: 50%;
    background: rgba(244,168,50,0.07); pointer-events: none;
  }
  .hero::after {
    content: ''; position: absolute; right: 60px; bottom: -100px;
    width: 300px; height: 300px; border-radius: 50%;
    background: rgba(244,168,50,0.05); pointer-events: none;
  }
  .hero-inner {
    max-width: 1200px; margin: 0 auto;
    display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
  }
  .hero-badge {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(244,168,50,0.15); border: 1px solid rgba(244,168,50,0.3);
    border-radius: 20px; padding: 6px 16px; font-size: 13px; font-weight: 500;
    color: var(--accent); margin-bottom: 20px;
  }
  .hero-badge .dot { width: 7px; height: 7px; background: var(--accent); border-radius: 50%; animation: pulse 1.5s infinite; }
  @keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.5;transform:scale(1.3)} }
  .hero h1 {
    font-family: 'Sora', sans-serif; font-size: clamp(32px, 4vw, 42px);
    font-weight: 700; line-height: 1.15; margin-bottom: 20px; letter-spacing: -1px;
  }
  .hero h1 span { color: var(--accent); }
  .hero p { font-size: 17px; color: rgba(255,255,255,0.78); line-height: 1.7; margin-bottom: 36px; }
  .hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }
  .btn-primary {
    background: var(--accent); color: #1a1a1a; font-weight: 600; font-size: 15px;
    padding: 13px 28px; border-radius: 8px; border: none; cursor: pointer; transition: .2s;
    font-family: 'DM Sans', sans-serif;
  }
  .btn-primary:hover { background: #e09520; transform: translateY(-1px); }
  .btn-outline {
    background: transparent; color: var(--white); font-weight: 600; font-size: 15px;
    padding: 13px 28px; border-radius: 8px; border: 2px solid rgba(255,255,255,0.35); cursor: pointer;
    transition: .2s; font-family: 'DM Sans', sans-serif;
  }
  .btn-outline:hover { border-color: var(--accent); color: var(--accent); }
  .hero-stats {
    display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; margin-top: 48px;
    padding-top: 32px; border-top: 1px solid rgba(255,255,255,0.12);
  }
  .hero-stat h3 {
    font-family: 'Sora', sans-serif; font-size: 30px; font-weight: 700;
    color: var(--accent); margin-bottom: 4px;
  }
  .hero-stat p { font-size: 13px; color: rgba(255,255,255,0.6); }

  /* hero right card */
  .hero-card {
    background: rgba(255,255,255,0.06); backdrop-filter: blur(10px);
    border: 1px solid rgba(255,255,255,0.12); border-radius: 16px; padding: 32px;
  }
  .hero-card h3 {
    font-family: 'Sora', sans-serif; font-size: 18px; font-weight: 600;
    margin-bottom: 22px; color: var(--white);
  }
  .form-group { margin-bottom: 14px; }
  .form-group label { display: block; font-size: 12px; color: rgba(255,255,255,0.6); margin-bottom: 5px; }
  .form-group input, .form-group select {
    width: 100%; padding: 11px 14px; border-radius: 8px;
    border: 1px solid rgba(255,255,255,0.2); background: rgba(255,255,255,0.08);
    color: var(--white); font-size: 14px; font-family: 'DM Sans', sans-serif; outline: none;
    transition: border .2s;
  }
  .form-group input::placeholder { color: rgba(255,255,255,0.35); }
  .form-group select option { background: #1a3c5e; }
  .form-group input:focus, .form-group select:focus { border-color: var(--accent); }
  .hero-card .btn-primary { width: 100%; font-size: 15px; margin-top: 6px; }

  /* ── TRUST STRIP ── */
  .trust-strip {
    background: var(--light-bg); padding: 18px 24px; border-bottom: 1px solid var(--border);
  }
  .trust-inner {
    max-width: 1200px; margin: 0 auto;
    display: flex; align-items: center; justify-content: center; gap: 48px; flex-wrap: wrap;
  }
  .trust-item { display: flex; align-items: center; gap: 10px; font-size: 14px; font-weight: 500; color: var(--muted); }
  .trust-item .icon { font-size: 20px; }

  /* ── SECTION BASE ── */
  section { padding: 72px 24px; }
  .section-inner { max-width: 1200px; margin: 0 auto; }
  .section-tag {
    display: inline-block; background: rgba(244,168,50,0.1);
    color: var(--accent2); font-size: 12px; font-weight: 600;
    letter-spacing: 1px; text-transform: uppercase; padding: 5px 14px;
    border-radius: 20px; margin-bottom: 14px;
  }
  .section-title {
    font-family: 'Sora', sans-serif; font-size: clamp(26px, 3vw, 38px);
    font-weight: 700; color: var(--primary); line-height: 1.2; margin-bottom: 14px;
  }
  .section-sub { font-size: 16px; color: var(--muted); line-height: 1.7; max-width: 560px; }
  .section-header { text-align: center; margin-bottom: 52px; }
  .section-header .section-sub { margin: 0 auto; }

  /* ── SERVICES ── */
  .services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px,1fr)); gap: 22px; }
  .service-card {
    background: var(--white); border: 1px solid var(--border); border-radius: 14px;
    padding: 28px 24px; transition: box-shadow .25s, transform .25s; cursor: pointer;
  }
  .service-card:hover { box-shadow: 0 8px 32px rgba(26,60,94,0.12); transform: translateY(-3px); }
  .service-icon {
    width: 52px; height: 52px; border-radius: 12px; margin-bottom: 18px;
    display: flex; align-items: center; justify-content: center; font-size: 24px;
  }
  .service-card h4 {
    font-family: 'Sora', sans-serif; font-size: 16px; font-weight: 600;
    color: var(--primary); margin-bottom: 8px;
  }
  .service-card p { font-size: 13.5px; color: var(--muted); line-height: 1.6; }
  .service-card .arrow { margin-top: 16px; color: var(--accent); font-size: 18px; }

  /* ── HOW IT WORKS ── */
  .steps-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px,1fr)); gap: 0; }
  .step {
    display: flex; flex-direction: column; align-items: center; text-align: center;
    padding: 36px 24px; position: relative;
  }
  .step:not(:last-child)::after {
    content: '→'; position: absolute; right: -12px; top: 50%; transform: translateY(-50%);
    font-size: 22px; color: var(--border); z-index: 1;
  }
  .step-num {
    width: 56px; height: 56px; border-radius: 50%;
    background: var(--primary); color: var(--white);
    display: flex; align-items: center; justify-content: center;
    font-family: 'Sora', sans-serif; font-size: 22px; font-weight: 700;
    margin-bottom: 20px; position: relative;
  }
  .step-num::before {
    content: ''; position: absolute; inset: -6px; border-radius: 50%;
    border: 2px dashed rgba(244,168,50,0.4);
  }
  .step h4 { font-family: 'Sora', sans-serif; font-size: 16px; font-weight: 600; margin-bottom: 8px; color: var(--primary); }
  .step p { font-size: 14px; color: var(--muted); line-height: 1.6; }

  /* ── WHY US ── */
  .why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
  .why-list { display: flex; flex-direction: column; gap: 20px; }
  .why-item { display: flex; gap: 16px; align-items: flex-start; }
  .why-check {
    width: 40px; height: 40px; flex-shrink: 0; border-radius: 10px;
    background: rgba(244,168,50,0.1); display: flex; align-items: center;
    justify-content: center; font-size: 18px; color: var(--accent);
  }
  .why-item h4 { font-weight: 600; font-size: 15px; margin-bottom: 4px; color: var(--primary); }
  .why-item p { font-size: 14px; color: var(--muted); line-height: 1.6; }
  .why-visual {
    background: linear-gradient(135deg, #0d2640, #1a3c5e);
    border-radius: 20px; padding: 40px 36px; color: var(--white); text-align: center;
  }
  .why-visual h3 { font-family: 'Sora', sans-serif; font-size: 22px; font-weight: 600; margin-bottom: 28px; }
  .stat-row { display: flex; gap: 20px; margin-bottom: 20px; }
  .stat-box {
    flex: 1; background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12);
    border-radius: 12px; padding: 22px 16px;
  }
  .stat-box h2 { font-family: 'Sora', sans-serif; font-size: 34px; font-weight: 700; color: var(--accent); }
  .stat-box p { font-size: 12.5px; color: rgba(255,255,255,0.6); margin-top: 4px; }

  /* ── TESTIMONIALS ── */
  .testi-bg { background: var(--light-bg); }
  .testi-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px,1fr)); gap: 22px; }
  .testi-card {
    background: var(--white); border: 1px solid var(--border); border-radius: 14px;
    padding: 28px; display: flex; flex-direction: column; gap: 16px;
  }
  .stars { color: var(--accent); font-size: 16px; letter-spacing: 2px; }
  .testi-card p { font-size: 14.5px; color: var(--muted); line-height: 1.7; flex: 1; }
  .testi-author { display: flex; align-items: center; gap: 12px; }
  .avatar {
    width: 42px; height: 42px; border-radius: 50%; background: var(--primary);
    display: flex; align-items: center; justify-content: center;
    color: var(--white); font-weight: 600; font-size: 14px;
  }
  .testi-author h5 { font-size: 14px; font-weight: 600; color: var(--primary); }
  .testi-author span { font-size: 12.5px; color: var(--muted); }

  /* ── PRICING ── */
  .pricing-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px,1fr)); gap: 22px; }
  .pricing-card {
    background: var(--white); border: 1.5px solid var(--border); border-radius: 16px;
    padding: 32px 28px; transition: box-shadow .25s;
  }
  .pricing-card.featured {
    border-color: var(--accent); box-shadow: 0 8px 40px rgba(244,168,50,0.15);
    position: relative; overflow: visible;
  }
  .popular-badge {
    position: absolute; top: -14px; left: 50%; transform: translateX(-50%);
    background: var(--accent); color: #1a1a1a; font-size: 11px; font-weight: 700;
    padding: 4px 16px; border-radius: 20px; letter-spacing: .5px; text-transform: uppercase;
  }
  .pricing-card h3 { font-family: 'Sora', sans-serif; font-size: 18px; font-weight: 600; color: var(--primary); margin-bottom: 8px; }
  .price { margin: 18px 0; }
  .price .amt { font-family: 'Sora', sans-serif; font-size: 36px; font-weight: 700; color: var(--primary); }
  .price span { font-size: 14px; color: var(--muted); }
  .price-desc { font-size: 13.5px; color: var(--muted); margin-bottom: 20px; line-height: 1.6; }
  .feature-list { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-bottom: 28px; }
  .feature-list li { font-size: 14px; color: var(--text); display: flex; align-items: center; gap: 9px; }
  .feature-list li::before { content: '✓'; color: var(--accent); font-weight: 700; }
  .btn-plan {
    width: 100%; padding: 12px; border-radius: 8px; font-size: 15px; font-weight: 600;
    cursor: pointer; border: 2px solid var(--primary); background: transparent;
    color: var(--primary); transition: .2s; font-family: 'DM Sans', sans-serif;
  }
  .btn-plan:hover, .pricing-card.featured .btn-plan {
    background: var(--primary); color: var(--white);
  }

  /* ── FAQ ── */
  .faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
  .faq-item {
    border: 1px solid var(--border); border-radius: 12px; overflow: hidden;
  }
  .faq-q {
    padding: 18px 20px; cursor: pointer; display: flex; justify-content: space-between;
    align-items: center; font-size: 15px; font-weight: 500; color: var(--primary);
    gap: 12px; user-select: none;
  }
  .faq-q .arrow { font-size: 18px; transition: .3s; color: var(--muted); flex-shrink: 0; }
  .faq-a { display: none; padding: 0 20px 16px; font-size: 14px; color: var(--muted); line-height: 1.7; }
  .faq-item.open .faq-q { color: var(--accent); }
  .faq-item.open .faq-q .arrow { transform: rotate(180deg); color: var(--accent); }
  .faq-item.open .faq-a { display: block; }

  /* ── CTA BAND ── */
  .cta-band {
    background: linear-gradient(135deg, #0d2640, #1a3c5e);
    color: var(--white); text-align: center; padding: 80px 24px;
  }
  .cta-band h2 { font-family: 'Sora', sans-serif; font-size: clamp(26px, 3.5vw, 42px); font-weight: 700; margin-bottom: 16px; }
  .cta-band p { font-size: 17px; color: rgba(255,255,255,0.75); margin-bottom: 36px; }
  .cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

  /* ── FOOTER ── */
  footer { background: #0a1e30; color: rgba(255,255,255,0.7); padding: 60px 24px 0; }
  .footer-inner {
    max-width: 1200px; margin: 0 auto;
    display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px;
  }
  .footer-brand .logo { color: var(--white); font-size: 24px; display: block; margin-bottom: 14px; }
  .footer-brand p { font-size: 14px; line-height: 1.7; margin-bottom: 20px; }
  .social-row { display: flex; gap: 10px; }
  .social-btn {
    width: 36px; height: 36px; border-radius: 8px; background: rgba(255,255,255,0.08);
    display: flex; align-items: center; justify-content: center; font-size: 15px;
    transition: background .2s; cursor: pointer;
  }
  .social-btn:hover { background: var(--accent); color: #111; }
  .footer-col h5 { font-family: 'Sora', sans-serif; font-size: 15px; font-weight: 600; color: var(--white); margin-bottom: 16px; }
  .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 9px; }
  .footer-col ul li a { font-size: 14px; color: rgba(255,255,255,0.6); transition: color .2s; }
  .footer-col ul li a:hover { color: var(--accent); }
  .footer-bottom {
    max-width: 1200px; margin: 0 auto;
    display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px;
    border-top: 1px solid rgba(255,255,255,0.08); padding: 20px 0; margin-top: 48px;
    font-size: 13px;
  }

  /* ── WHATSAPP FAB ── */
  .wa-fab {
    position: fixed; bottom: 28px; right: 28px; z-index: 999;
    width: 54px; height: 54px; border-radius: 50%; background: #25d366;
    display: flex; align-items: center; justify-content: center;
    box-shadow: 0 4px 20px rgba(37,211,102,0.5); cursor: pointer;
    transition: transform .2s; text-decoration: none;
  }
  .wa-fab:hover { transform: scale(1.1); }
  .wa-fab svg { width: 28px; height: 28px; fill: white; }

  /* ── RESPONSIVE ── */
  @media (max-width: 1024px) {
    .footer-inner { grid-template-columns: 1fr 1fr; }
    .why-grid { grid-template-columns: 1fr; }
    .steps-grid { grid-template-columns: 1fr 1fr; }
    .step:not(:last-child)::after { display: none; }
  }
  @media (max-width: 768px) {
    .hero-inner { grid-template-columns: 1fr; gap: 36px; }
    .nav-links { display: none; }
    .hamburger { display: flex; }
    .mobile-menu.open { display: flex; }
    .hero-stats { grid-template-columns: 1fr 1fr; }
    .trust-inner { gap: 20px; }
    .faq-grid { grid-template-columns: 1fr; }
    .footer-inner { grid-template-columns: 1fr 1fr; }
  }
  @media (max-width: 480px) {
    .hero-stats { grid-template-columns: 1fr; }
    .footer-inner { grid-template-columns: 1fr; }
    .stat-row { flex-direction: column; }
    .steps-grid { grid-template-columns: 1fr; }
  }
  .logo {
    width: 191px;
    margin-top: 5px;
  }
  .svc-tags {
        display: flex;
    flex-wrap: wrap;
    gap: 5px;
    margin-bottom: 14px;
}
  .svc-tag {
   background: #f8f8f5;
    border: 1px solid #d1d5db;
    color: #6b7280;
    font-size: 10.5px;
    font-weight: 600;
    padding: 2px 8px;
    border-radius: 4px;
}
.pills {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 26px;
}
.pill {
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.2);
    color: #fff;
    padding: 4px 13px;
    border-radius: 50px;
    font-size: 12px;
    font-weight: 600;
}
.hstats {
    display: flex;
    flex-wrap: wrap;
    gap: 26px;
    padding-bottom: 20px;
}
.hs .n {
    font-family: 'Playfair Display', serif;
    font-size: 26px;
    font-weight: 700;
    color: var(--glt);
    display: block;
    line-height: 1;
}
.hs .l {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.6);
    margin-top: 3px;
}
.ubar {
    background: linear-gradient(90deg, #134e4a, #0F766E);
    padding: 12px 24px;
    display: flex;
    align-items: center;
    gap: 12px;
    flex-wrap: wrap;
}
.ubar p {
    color: rgba(255, 255, 255, 0.9);
    font-size: 14px;
    margin: 0;
}
.ul {
    background: var(--gold);
    color: #fff;
    font-size: 11px;
    font-weight: 800;
    padding: 3px 9px;
    border-radius: 4px;
    white-space: nowrap;
}
.wtytf {
    max-width: 900px;
    margin: 0 auto;
    padding: 0 24px;
}
.sec {
    padding: 50px 0;
}
.secnew{
  padding: 50px;
}
.trtrfd {
    background: var(--tbg);
    border: 1px solid #5EEAD4;
}
.clrefe{
  border-radius: 10px;
    padding: 16px 18px;
    margin: 16px 0;
    display: flex;
    gap: 12px;
    align-items: flex-start;
}
.clrefe .ic {
    font-size: 20px;
    flex-shrink: 0;
    margin-top: 2px;
}
.mytextss{
  font-family:'Sora',sans-serif;font-size:17px;font-weight:600;color:#1a3c5e;margin-bottom:16px;
}

  /* ABOUT HERO */
}
.about-hero{background:linear-gradient(135deg,#0d2640 0%,#1a3c5e 55%,#1e4f7a 100%);padding:80px 24px;color:#fff;position:relative;overflow:hidden;}
.about-hero::before{content:'';position:absolute;right:-60px;top:-60px;width:400px;height:400px;border-radius:50%;background:rgba(244,168,50,.06);pointer-events:none;}
.about-hero-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;}
.about-hero-tag{display:inline-flex;align-items:center;gap:8px;background:rgba(244,168,50,.15);border:1px solid rgba(244,168,50,.3);border-radius:20px;padding:6px 16px;font-size:13px;font-weight:500;color:var(--accent);margin-bottom:20px;}
.about-hero h1{font-family:'Sora',sans-serif;font-size:clamp(32px,4vw,50px);font-weight:700;line-height:1.15;margin-bottom:20px;letter-spacing:-0.5px;}
.about-hero h1 span{color:var(--accent);}
.about-hero p{font-size:17px;color:rgba(255,255,255,.78);line-height:1.75;margin-bottom:28px;}
.hero-quote{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:14px;padding:24px 28px;font-style:italic;font-size:16px;color:rgba(255,255,255,.85);line-height:1.7;position:relative;}
.hero-quote::before{content:'"';font-size:64px;color:var(--accent);opacity:.4;position:absolute;top:-10px;left:16px;font-family:'Sora',sans-serif;line-height:1;}
.stats-row{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:28px;}
.stat-box{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:20px 18px;}
.stat-box h3{font-family:'Sora',sans-serif;font-size:32px;font-weight:700;color:var(--accent);margin-bottom:4px;}
.stat-box p{font-size:13px;color:rgba(255,255,255,.6);}
/* SECTIONS */
section{padding:64px 24px;}
.sec-inner{max-width:1200px;margin:0 auto;}
.sec-tag{display:inline-block;background:rgba(244,168,50,.1);color:var(--accent2);font-size:12px;font-weight:600;letter-spacing:1px;text-transform:uppercase;padding:5px 14px;border-radius:20px;margin-bottom:14px;}
.sec-title{font-family:'Sora',sans-serif;font-size:clamp(24px,3vw,36px);font-weight:700;color:var(--primary);line-height:1.2;margin-bottom:14px;}
.sec-sub{font-size:16px;color:var(--muted);line-height:1.7;}
/* MISSION VISION */
.mv-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:8px;}
.mv-card{border-radius:16px;padding:36px;position:relative;overflow:hidden;}
.mv-card.mission{background:linear-gradient(135deg,#1a3c5e,#0d2640);color:#fff;}
.mv-card.vision{background:var(--light-bg);border:1px solid var(--border);}
.mv-card h3{font-family:'Sora',sans-serif;font-size:22px;font-weight:700;margin-bottom:16px;display:flex;align-items:center;gap:10px;}
.mv-card.mission h3{color:#fff;}
.mv-card.vision h3{color:var(--primary);}
.mv-card p{font-size:15px;line-height:1.8;}
.mv-card.mission p{color:rgba(255,255,255,.8);}
.mv-card.vision p{color:var(--muted);}
.mv-card::after{content:'';position:absolute;bottom:-30px;right:-30px;width:120px;height:120px;border-radius:50%;opacity:.06;}
.mv-card.mission::after{background:#f4a832;}
/* VALUES */
.values-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:22px;}
.value-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:28px 22px;text-align:center;transition:box-shadow .25s,transform .25s;}
.value-card:hover{box-shadow:0 8px 32px rgba(26,60,94,.1);transform:translateY(-3px);}
.value-icon{font-size:36px;margin-bottom:14px;}
.value-card h4{font-family:'Sora',sans-serif;font-size:16px;font-weight:600;color:var(--primary);margin-bottom:8px;}
.value-card p{font-size:14px;color:var(--muted);line-height:1.6;}
/* STORY */
.story-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
.story-text h2{font-family:'Sora',sans-serif;font-size:clamp(24px,3vw,36px);font-weight:700;color:var(--primary);line-height:1.2;margin-bottom:18px;}
.story-text p{font-size:15px;color:var(--muted);line-height:1.85;margin-bottom:16px;}
.story-visual{background:linear-gradient(135deg,#0d2640,#1a3c5e);border-radius:20px;padding:36px;}
.timeline{display:flex;flex-direction:column;gap:0;}
.mytimeline{
  flex-wrap: wrap;
    flex-direction: row;
}
.tl-item{display:flex;gap:16px;padding-bottom:24px;position:relative;}
.tl-item:last-child{padding-bottom:0;}
.tl-item:not(:last-child)::before{content:'';position:absolute;left:15px;top:32px;width:2px;bottom:0;background:rgba(244,168,50,.25);}
.tl-dot{width:32px;height:32px;border-radius:50%;background:var(--accent);display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:700;color:#1a1a1a;flex-shrink:0;}
.tl-content{padding-top:4px;}
.tl-content h4{font-size:15px;font-weight:600;color:#fff;margin-bottom:4px;}
.tl-content p{font-size:13.5px;color:rgba(255,255,255,.65);line-height:1.6;}
/* TEAM */
.team-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px;}
.team-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:28px 20px;text-align:center;}
.team-avatar{width:72px;height:72px;border-radius:50%;margin:0 auto 16px;display:flex;align-items:center;justify-content:center;font-family:'Sora',sans-serif;font-size:26px;font-weight:700;color:#fff;}
.team-card h4{font-family:'Sora',sans-serif;font-size:16px;font-weight:600;color:var(--primary);margin-bottom:4px;}
.team-card .role{font-size:13px;color:var(--accent2);font-weight:500;margin-bottom:10px;}
.team-card p{font-size:13.5px;color:var(--muted);line-height:1.6;}
/* WHY US */
.why-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;}
.why-card{display:flex;gap:16px;align-items:flex-start;background:var(--light-bg);border-radius:12px;padding:22px 18px;}
.why-icon{width:44px;height:44px;border-radius:10px;background:rgba(244,168,50,.12);display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0;}
.why-card h4{font-size:15px;font-weight:600;color:var(--primary);margin-bottom:5px;}
.why-card p{font-size:13.5px;color:var(--muted);line-height:1.6;}
/* TESTIMONIALS */
.testi-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px;}
.testi-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:28px;display:flex;flex-direction:column;gap:16px;}
.stars{color:var(--accent);font-size:16px;letter-spacing:2px;}
.testi-card p{font-size:14.5px;color:var(--muted);line-height:1.7;flex:1;}
.testi-author{display:flex;align-items:center;gap:12px;}
.avatar{width:42px;height:42px;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-weight:600;font-size:14px;}
.testi-author h5{font-size:14px;font-weight:600;color:var(--primary);}
.testi-author span{font-size:12.5px;color:var(--muted);}


/* PAGE HERO */
.page-hero{background:linear-gradient(135deg,#0d2640 0%,#1a3c5e 55%,#1e4f7a 100%);padding:60px 24px;color:#fff;}
.page-hero-inner{max-width:1200px;margin:0 auto;}
.breadcrumb{font-size:13px;color:rgba(255,255,255,.6);margin-bottom:12px;}
.breadcrumb a{color:var(--accent);}
.page-hero h1{font-family:'Sora',sans-serif;font-size:clamp(28px,3.5vw,42px);font-weight:700;line-height:1.2;margin-bottom:14px;}
.page-hero p{font-size:17px;color:rgba(255,255,255,.78);line-height:1.7;max-width:680px;margin-bottom:28px;}
.page-hero .cta-row{display:flex;gap:14px;flex-wrap:wrap;}

/* CONTENT SECTIONS */
section{padding:64px 24px;}
.sec-inner{max-width:1200px;margin:0 auto;}
.sec-tag{display:inline-block;background:rgba(244,168,50,.1);color:var(--accent2);font-size:12px;font-weight:600;letter-spacing:1px;text-transform:uppercase;padding:5px 14px;border-radius:20px;margin-bottom:14px;}
.sec-title{font-family:'Sora',sans-serif;font-size:clamp(24px,3vw,36px);font-weight:700;color:var(--primary);line-height:1.2;margin-bottom:12px;}
.sec-sub{font-size:16px;color:var(--muted);line-height:1.7;}
.sec-header{text-align:center;margin-bottom:48px;}
.sec-header .sec-sub{max-width:600px;margin:0 auto;}
/* CARDS */
.cards-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px;}
.card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:28px 24px;transition:box-shadow .25s,transform .25s;}
.card:hover{box-shadow:0 8px 32px rgba(26,60,94,.12);transform:translateY(-3px);}
.card-icon{width:52px;height:52px;border-radius:12px;margin-bottom:18px;display:flex;align-items:center;justify-content:center;font-size:24px;}
.card h4{font-family:'Sora',sans-serif;font-size:16px;font-weight:600;color:var(--primary);margin-bottom:8px;}
.card p{font-size:14px;color:var(--muted);line-height:1.6;}
/* 2-col layout */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;}
.two-col.reverse{direction:rtl;}.two-col.reverse>*{direction:ltr;}
/* STEPS */
.steps{display:flex;flex-direction:column;gap:0;}
.step-item{display:flex;gap:20px;align-items:flex-start;padding:20px 0;border-bottom:1px solid var(--border);}
.step-item:last-child{border-bottom:none;}
.step-num{width:44px;height:44px;border-radius:50%;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Sora',sans-serif;font-size:18px;font-weight:700;flex-shrink:0;}
.step-item h4{font-weight:600;font-size:15px;margin-bottom:5px;color:var(--primary);}
.step-item p{font-size:14px;color:var(--muted);line-height:1.6;}
/* DOCS LIST */
.docs-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;}
.doc-item{display:flex;gap:12px;align-items:flex-start;background:var(--light-bg);border-radius:10px;padding:14px 16px;}
.doc-item .di{color:var(--accent);font-size:20px;flex-shrink:0;}
.doc-item p{font-size:14px;color:var(--text);line-height:1.5;}
/* BENEFITS */
.benefits{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px;}
.benefit{background:var(--light-bg);border-radius:12px;padding:22px 18px;text-align:center;}
.benefit .bi{font-size:30px;margin-bottom:12px;}
.benefit h4{font-size:15px;font-weight:600;color:var(--primary);margin-bottom:6px;}
.benefit p{font-size:13.5px;color:var(--muted);line-height:1.5;}
/* FAQ */
.faq-list{display:flex;flex-direction:column;gap:12px;}
.faq-item{border:1px solid var(--border);border-radius:12px;overflow:hidden;}
.faq-q{padding:16px 20px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-size:15px;font-weight:500;color:var(--primary);gap:12px;user-select:none;}
.faq-q .arr{font-size:18px;color:var(--muted);flex-shrink:0;transition:.3s;}
.faq-a{display:none;padding:0 20px 14px;font-size:14px;color:var(--muted);line-height:1.7;}
.faq-item.open .faq-q{color:var(--accent);}
.faq-item.open .faq-q .arr{transform:rotate(180deg);color:var(--accent);}
.faq-item.open .faq-a{display:block;}


/* HERO */
.ph{background:linear-gradient(135deg,#0d2640 0%,#1a3c5e 55%,#1e4f7a 100%);padding:60px 24px;color:#fff;}
.phi{max-width:1200px;margin:0 auto;}
.bc{font-size:13px;color:rgba(255,255,255,.6);margin-bottom:14px;}.bc a{color:var(--accent);}.bc span{color:rgba(255,255,255,.4);margin:0 6px;}
.ph h1{font-family:'Sora',sans-serif;font-size:clamp(28px,3.5vw,46px);font-weight:700;line-height:1.2;margin-bottom:14px;}
.ph p{font-size:17px;color:rgba(255,255,255,.78);line-height:1.7;max-width:680px;margin-bottom:28px;}
.cr{display:flex;gap:14px;flex-wrap:wrap;}
.bp{background:var(--accent);color:#1a1a1a;font-weight:700;font-size:15px;padding:13px 28px;border-radius:8px;border:none;cursor:pointer;display:inline-block;}
.bo{background:transparent;color:#fff;font-weight:600;font-size:15px;padding:12px 28px;border-radius:8px;border:2px solid rgba(255,255,255,.35);cursor:pointer;display:inline-block;}
.bo:hover{border-color:var(--accent);color:var(--accent);}
/* SECTIONS */
section{padding:60px 24px;}.si{max-width:1200px;margin:0 auto;}
.st{display:inline-block;background:rgba(244,168,50,.1);color:var(--accent2);font-size:12px;font-weight:600;letter-spacing:1px;text-transform:uppercase;padding:5px 14px;border-radius:20px;margin-bottom:14px;}
.sh{font-family:'Sora',sans-serif;font-size:clamp(24px,3vw,36px);font-weight:700;color:var(--primary);line-height:1.2;margin-bottom:12px;}
.ss{font-size:16px;color:var(--muted);line-height:1.7;}
/* CARDS */
.cg{display:grid;grid-template-columns:repeat(auto-fit,minmax(350px,1fr));gap:20px;}
.cd{background:#fff;border:1px solid var(--border);border-radius:14px;padding:26px 22px;transition:box-shadow .25s,transform .25s;}
.cd:hover{box-shadow:0 8px 32px rgba(26,60,94,.12);transform:translateY(-3px);}
.ci{width:50px;height:50px;border-radius:12px;margin-bottom:16px;display:flex;align-items:center;justify-content:center;font-size:24px;}
.cd h4{font-family:'Sora',sans-serif;font-size:16px;font-weight:600;color:var(--primary);margin-bottom:8px;}
.cd p{font-size:14px;color:var(--muted);line-height:1.6;}
/* 2-COL */
.tc{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:start;}
/* STEPS */
.sl{display:flex;flex-direction:column;gap:0;}
.si2{display:flex;gap:18px;align-items:flex-start;padding:18px 0;border-bottom:1px solid var(--border);}
.si2:last-child{border-bottom:none;}
.sn{width:42px;height:42px;border-radius:50%;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Sora',sans-serif;font-size:17px;font-weight:700;flex-shrink:0;}
.si2 h4{font-weight:600;font-size:15px;margin-bottom:4px;color:var(--primary);}
.si2 p{font-size:14px;color:var(--muted);line-height:1.6;}
/* DOCS */
.dg{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:12px;}
.di2{display:flex;gap:12px;align-items:flex-start;background:var(--light-bg);border-radius:10px;padding:13px 15px;}
.di2 .ic{color:var(--accent);font-size:18px;flex-shrink:0;}
.di2 p{font-size:14px;color:var(--text);line-height:1.5;}
/* BENEFITS */
.bg2{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:16px;}
.bx{background:var(--light-bg);border-radius:12px;padding:20px 16px;text-align:center;}
.bx .bi{font-size:28px;margin-bottom:10px;}
.bx h4{font-size:15px;font-weight:600;color:var(--primary);margin-bottom:5px;}
.bx p{font-size:13.5px;color:var(--muted);line-height:1.5;}
/* TABLE */
.tbl{width:100%;border-collapse:collapse;font-size:14px;}
.tbl th{background:var(--primary);color:#fff;padding:11px 14px;text-align:left;font-weight:600;}
.tbl td{padding:11px 14px;border-bottom:1px solid var(--border);color:var(--muted);}
.tbl tr:hover td{background:var(--light-bg);}
.tbl td:first-child{font-weight:500;color:var(--text);}
/* HIGHLIGHT */
.hl{background:rgba(244,168,50,.08);border-left:4px solid var(--accent);border-radius:0 12px 12px 0;padding:18px 22px;margin:20px 0;}
.hl strong{color:var(--primary);display:block;margin-bottom:5px;}
.hl p{font-size:14px;color:var(--muted);margin:0;line-height:1.7;}
/* FAQ */
.fl{display:flex;flex-direction:column;gap:11px;}
.fi{border:1px solid var(--border);border-radius:12px;overflow:hidden;}
.fq{padding:15px 20px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-size:15px;font-weight:500;color:var(--primary);gap:12px;user-select:none;}
.fq .ar{font-size:18px;color:var(--muted);flex-shrink:0;transition:.3s;}
.fa{display:none;padding:0 20px 14px;font-size:14px;color:var(--muted);line-height:1.7;}
.fi.op .fq{color:var(--accent);}.fi.op .fq .ar{transform:rotate(180deg);color:var(--accent);}.fi.op .fa{display:block;}

/* CTA */
.cb{background:linear-gradient(135deg,#0d2640,#1a3c5e);color:#fff;text-align:center;padding:68px 24px;}
.cb h2{font-family:'Sora',sans-serif;font-size:clamp(22px,3vw,36px);font-weight:700;margin-bottom:12px;}
.cb p{font-size:17px;color:rgba(255,255,255,.75);margin-bottom:30px;}



/* PRICE STRIP */
.ps{background:var(--accent);padding:14px 24px;}
.psi{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;}
.ps h3{font-family:'Sora',sans-serif;font-size:17px;font-weight:700;color:#1a1a1a;}
.ps p{font-size:13px;color:rgba(0,0,0,.6);}
.bdk{background:#1a1a1a;color:#fff;padding:10px 24px;border-radius:8px;font-weight:600;font-size:14px;display:inline-block;}

/* HERO */
.ph{background:linear-gradient(135deg,#0d2640 0%,#1a3c5e 55%,#1e4f7a 100%);padding:60px 24px;color:#fff;}
.phi{max-width:1200px;margin:0 auto;}
.bc{font-size:13px;color:rgba(255,255,255,.6);margin-bottom:14px;}.bc a{color:var(--accent);}.bc span{color:rgba(255,255,255,.4);margin:0 6px;}
.ph h1{font-family:'Sora',sans-serif;font-size:clamp(28px,3.5vw,46px);font-weight:700;line-height:1.2;margin-bottom:14px;}
.ph p{font-size:17px;color:rgba(255,255,255,.78);line-height:1.7;max-width:680px;margin-bottom:20px;}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px;}
.pill{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:#fff;padding:4px 13px;border-radius:50px;font-size:12px;font-weight:600;}
.hstats{display:flex;flex-wrap:wrap;gap:28px;margin-bottom:28px;}
.hs .n{font-family:'Sora',sans-serif;font-size:26px;font-weight:700;color:var(--accent);display:block;line-height:1;}
.hs .l{font-size:12px;color:rgba(255,255,255,.6);margin-top:3px;}
.cr{display:flex;gap:14px;flex-wrap:wrap;}
.bp{background:var(--accent);color:#1a1a1a;font-weight:700;font-size:15px;padding:13px 28px;border-radius:8px;border:none;cursor:pointer;display:inline-block;}
.bo{background:transparent;color:#fff;font-weight:600;font-size:15px;padding:12px 28px;border-radius:8px;border:2px solid rgba(255,255,255,.35);cursor:pointer;display:inline-block;}
.bo:hover{border-color:var(--accent);color:var(--accent);}

/* UPDATE BAR */
.ubar{background:linear-gradient(90deg,#134e4a,#0f766e);padding:12px 24px;display:flex;align-items:center;gap:12px;flex-wrap:wrap;}
.ubar-inner{max-width:1200px;margin:0 auto;width:100%;display:flex;align-items:center;gap:12px;flex-wrap:wrap;}
.ul{background:var(--accent);color:#fff;font-size:11px;font-weight:800;padding:3px 9px;border-radius:4px;white-space:nowrap;}
.ubar p{color:rgba(255,255,255,.9);font-size:14px;margin:0;}

/* SECTIONS */
section{padding:60px 24px;}.si{max-width:1200px;margin:0 auto;}
.st{display:inline-block;background:rgba(244,168,50,.1);color:var(--accent2);font-size:12px;font-weight:600;letter-spacing:1px;text-transform:uppercase;padding:5px 14px;border-radius:20px;margin-bottom:14px;}
.sh{font-family:'Sora',sans-serif;font-size:clamp(24px,3vw,36px);font-weight:700;color:var(--primary);line-height:1.2;margin-bottom:12px;}
.ss{font-size:16px;color:var(--muted);line-height:1.7;}

/* CARDS */
.cg{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px;}
.cd{background:#fff;border:1px solid var(--border);border-radius:14px;padding:26px 22px;transition:box-shadow .25s,transform .25s;}
.cd:hover{box-shadow:0 8px 32px rgba(26,60,94,.12);transform:translateY(-3px);}
.ci{width:50px;height:50px;border-radius:12px;margin-bottom:16px;display:flex;align-items:center;justify-content:center;font-size:24px;}
.cd h4{font-family:'Sora',sans-serif;font-size:16px;font-weight:600;color:var(--primary);margin-bottom:8px;}
.cd p{font-size:14px;color:var(--muted);line-height:1.6;}
.badge-new{display:inline-block;background:var(--green);color:#fff;font-size:10px;font-weight:800;padding:2px 8px;border-radius:50px;margin-left:6px;vertical-align:middle;}
.badge-upd{display:inline-block;background:#2563eb;color:#fff;font-size:10px;font-weight:800;padding:2px 8px;border-radius:50px;margin-left:6px;vertical-align:middle;}

/* AUDIT TYPE GRID */
.audit-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px;margin:20px 0;}
.ac{background:#fff;border:1px solid var(--border);border-radius:12px;overflow:hidden;}
.ac-head{padding:14px 16px;display:flex;align-items:center;gap:8px;}
.ac-head h4{margin:0;font-size:14.5px;color:#fff;}
.ac-body{padding:14px 16px;}
.ac-app{font-size:12.5px;font-weight:700;margin-bottom:6px;}
.ac-body p{font-size:13.5px;color:#555;margin:0;line-height:1.6;}

/* TABLE */
.tbl{width:100%;border-collapse:collapse;font-size:14px;}
.tbl th{background:var(--primary);color:#fff;padding:11px 14px;text-align:left;font-weight:600;}
.tbl td{padding:11px 14px;border-bottom:1px solid var(--border);color:var(--muted);}
.tbl tr:hover td{background:var(--light-bg);}
.tbl td:first-child{font-weight:500;color:var(--text);}
.tbl .yn{color:var(--red);font-weight:700;}
.tbl .yy{color:var(--green);font-weight:700;}
.ov{overflow-x:auto;}

/* CALLOUT BOXES */
.cl{border-radius:10px;padding:16px 18px;margin:16px 0;display:flex;gap:12px;align-items:flex-start;}
.cl .ic{font-size:20px;flex-shrink:0;margin-top:2px;}
.cl h4{margin-bottom:3px;}
.cl p{margin:0;font-size:14px;}
.cl-g{background:var(--gbg);border:1px solid #86efac;}.cl-g h4{color:var(--green);}
.cl-a{background:var(--abg);border:1px solid #fcd34d;}.cl-a h4{color:var(--amb);}
.cl-b{background:#eff6ff;border:1px solid #bfdbfe;}.cl-b h4{color:var(--primary);}
.cl-r{background:var(--rbg);border:1px solid #fca5a5;}.cl-r h4{color:var(--red);}
.cl-t{background:var(--tbg);border:1px solid #5eead4;}.cl-t h4{color:var(--teal);}

/* NOTICE GRID */
.notice-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:12px;margin:16px 0;}
.ntc{background:#fff;border:1px solid var(--border);border-radius:8px;padding:14px;}
.ntag{display:inline-block;background:var(--red);color:#fff;font-size:10px;font-weight:800;padding:2px 9px;border-radius:4px;margin-bottom:8px;}
.ntc h4{font-size:14px;color:var(--primary);margin-bottom:4px;}
.ntc p{font-size:12.5px;color:#555;margin:0;line-height:1.5;}

/* 2-COL */
.tc{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:start;}

/* STEPS */
.sl{display:flex;flex-direction:column;gap:0;}
.si2{display:flex;gap:18px;align-items:flex-start;padding:18px 0;border-bottom:1px solid var(--border);}
.si2:last-child{border-bottom:none;}
.sn{width:42px;height:42px;border-radius:50%;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Sora',sans-serif;font-size:17px;font-weight:700;flex-shrink:0;}
.si2 h4{font-weight:600;font-size:15px;margin-bottom:4px;color:var(--primary);}
.si2 p{font-size:14px;color:var(--muted);line-height:1.6;}
.pt{display:inline-block;font-size:10px;font-weight:700;padding:2px 8px;border-radius:4px;margin-bottom:6px;}
.pt-on{background:#eff6ff;color:var(--primary);}
.pt-sec{background:var(--abg);color:var(--amb);}
.pt-ok{background:var(--gbg);color:var(--green);}

/* HIGHLIGHT */
.hl{background:rgba(244,168,50,.08);border-left:4px solid var(--accent);border-radius:0 12px 12px 0;padding:18px 22px;margin:20px 0;}
.hl strong{color:var(--primary);display:block;margin-bottom:5px;}
.hl p{font-size:14px;color:var(--muted);margin:0;line-height:1.7;}

/* ADVISORY SERVICES */
.adv-item{display:flex;gap:14px;align-items:flex-start;margin-bottom:16px;}
.adv-icon{width:40px;height:40px;border-radius:9px;background:rgba(244,168,50,.1);display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0;}
.adv-item h4{font-size:15px;font-weight:600;color:var(--primary);margin-bottom:3px;}
.adv-item p{font-size:14px;color:var(--muted);}

/* FAQ */
.fl{display:flex;flex-direction:column;gap:11px;}
.fi{border:1px solid var(--border);border-radius:12px;overflow:hidden;}
.fq{padding:15px 20px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-size:15px;font-weight:500;color:var(--primary);gap:12px;user-select:none;}
.fq .ar{font-size:18px;color:var(--muted);flex-shrink:0;transition:.3s;}
.fa{display:none;padding:0 20px 14px;font-size:14px;color:var(--muted);line-height:1.7;}
.fi.op .fq{color:var(--accent);}.fi.op .fq .ar{transform:rotate(180deg);color:var(--accent);}.fi.op .fa{display:block;}

/* CTA */
.cb{background:linear-gradient(135deg,#0d2640,#1a3c5e);color:#fff;text-align:center;padding:68px 24px;}
.cb h2{font-family:'Sora',sans-serif;font-size:clamp(22px,3vw,36px);font-weight:700;margin-bottom:12px;}
.cb p{font-size:17px;color:rgba(255,255,255,.75);margin-bottom:30px;}

/* FOOTER */
footer{background:#0a1e30;color:rgba(255,255,255,.7);padding:56px 24px 0;}
.fi3{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:44px;}
.fb .logo{color:#fff;font-size:22px;display:block;margin-bottom:12px;}
.fb p{font-size:14px;line-height:1.7;margin-bottom:18px;}
.sr{display:flex;gap:9px;}
.sb{width:34px;height:34px;border-radius:8px;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:600;cursor:pointer;color:rgba(255,255,255,.7);}
.fc h5{font-family:'Sora',sans-serif;font-size:15px;font-weight:600;color:#fff;margin-bottom:13px;}
.fc ul{list-style:none;display:flex;flex-direction:column;gap:8px;}
.fc ul li a{font-size:14px;color:rgba(255,255,255,.6);}.fc ul li a:hover{color:var(--accent);}
.fbot{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px;border-top:1px solid rgba(255,255,255,.08);padding:18px 0;margin-top:44px;font-size:13px;}
.wf{position:fixed;bottom:28px;right:28px;z-index:999;width:54px;height:54px;border-radius:50%;background:#25d366;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 20px rgba(37,211,102,.5);}
.wf:hover{transform:scale(1.1);}

/* RESPONSIVE */
@media(max-width:1024px){.fi3{grid-template-columns:1fr 1fr;}.tc{grid-template-columns:1fr;gap:32px;}}
@media(max-width:768px){
  .nl{display:none;}.hb{display:flex;}.mm.op{display:flex;}.fi3{grid-template-columns:1fr 1fr;}
  .audit-grid{grid-template-columns:1fr;}
  .notice-grid{grid-template-columns:1fr;}
  .hstats{gap:18px;}
  .hs .n{font-size:22px;}
}
@media(max-width:480px){
  .fi3{grid-template-columns:1fr;}
  .psi{flex-direction:column;align-items:flex-start;}
  .cr{flex-direction:column;}
  .cr .bp,.cr .bo{width:100%;text-align:center;}
  .ubar-inner{flex-direction:column;align-items:flex-start;}
}

.ubar{background:linear-gradient(90deg,#7f1d1d,#991b1b);padding:12px 24px;}
.ubar-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;gap:12px;flex-wrap:wrap;}
.ul{background:var(--accent);color:#fff;font-size:11px;font-weight:800;padding:3px 9px;border-radius:4px;white-space:nowrap;}
.ubar p{color:rgba(255,255,255,.9);font-size:14px;margin:0;}
/* SECTIONS */
section{padding:60px 24px;}.si{max-width:1200px;margin:0 auto;}
.st{display:inline-block;background:rgba(244,168,50,.1);color:var(--accent2);font-size:12px;font-weight:600;letter-spacing:1px;text-transform:uppercase;padding:5px 14px;border-radius:20px;margin-bottom:14px;}
.sh{font-family:'Sora',sans-serif;font-size:clamp(24px,3vw,36px);font-weight:700;color:var(--primary);line-height:1.2;margin-bottom:12px;}
.ss{font-size:16px;color:var(--muted);line-height:1.7;}
/* CARDS */
.cg{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px;}
.cd{background:#fff;border:1px solid var(--border);border-radius:14px;padding:26px 22px;transition:box-shadow .25s,transform .25s;}
.cd:hover{box-shadow:0 8px 32px rgba(26,60,94,.12);transform:translateY(-3px);}
.ci{width:50px;height:50px;border-radius:12px;margin-bottom:16px;display:flex;align-items:center;justify-content:center;font-size:24px;}
.cd h4{font-family:'Sora',sans-serif;font-size:16px;font-weight:600;color:var(--primary);margin-bottom:8px;}
.cd p{font-size:14px;color:var(--muted);line-height:1.6;}
.badge-new{display:inline-block;background:var(--green);color:#fff;font-size:10px;font-weight:800;padding:2px 8px;border-radius:50px;margin-left:6px;vertical-align:middle;}
.badge-upd{display:inline-block;background:#2563eb;color:#fff;font-size:10px;font-weight:800;padding:2px 8px;border-radius:50px;margin-left:6px;vertical-align:middle;}
/* TYPE GRID */
.type-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px;margin:20px 0;}
.tcard{background:#fff;border:1px solid var(--border);border-radius:12px;overflow:hidden;}
.tcard-head{padding:14px 16px;display:flex;align-items:center;gap:8px;}
.tcard-head h4{margin:0;font-size:14.5px;color:#fff;}
.tcard-body{padding:14px 16px;}
.tcard-body p{font-size:13.5px;color:#555;margin:0;line-height:1.6;}
/* FORMS GRID */
.forms-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:12px;margin:16px 0;}
.fcard{background:#fff;border:1px solid var(--border);border-radius:8px;padding:14px;}
.ftag{display:inline-block;background:var(--primary);color:#fff;font-size:10px;font-weight:800;padding:2px 8px;border-radius:4px;margin-bottom:8px;}
.fcard h4{font-size:13.5px;color:var(--primary);margin-bottom:4px;}
.fcard p{font-size:12.5px;color:#555;margin:0;line-height:1.5;}
/* CALLOUT BOXES */
.cl{border-radius:10px;padding:16px 18px;margin:16px 0;display:flex;gap:12px;align-items:flex-start;}
.cl .ic{font-size:20px;flex-shrink:0;margin-top:2px;}
.cl h4{margin-bottom:3px;}
.cl p{margin:0;font-size:14px;}
.cl-g{background:var(--gbg);border:1px solid #86efac;}.cl-g h4{color:var(--green);}
.cl-a{background:var(--abg);border:1px solid #fcd34d;}.cl-a h4{color:var(--amb);}
.cl-b{background:#eff6ff;border:1px solid #bfdbfe;}.cl-b h4{color:var(--primary);}
.cl-r{background:var(--rbg);border:1px solid #fca5a5;}.cl-r h4{color:var(--red);}
/* DOCS GRID */
.dg{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:10px;margin:14px 0;}
.dr{background:#fff;border:1px solid var(--border);border-radius:8px;padding:10px 13px;display:flex;align-items:center;gap:9px;font-size:13.5px;font-weight:500;}
.di{width:28px;height:28px;background:#eff6ff;border-radius:5px;display:flex;align-items:center;justify-content:center;font-size:14px;flex-shrink:0;}
/* PENALTY TABLE */
.pen-tbl{width:100%;border-collapse:collapse;font-size:14px;}
.pen-tbl th{background:#7f1d1d;color:#fff;padding:11px 14px;text-align:left;font-weight:600;}
.pen-tbl td{padding:10px 14px;border-bottom:1px solid var(--rbg);}
.pen-tbl tr:nth-child(even) td{background:#fff5f5;}
.pen-tbl tr:last-child td{border-bottom:none;}
.pamt{font-weight:700;color:var(--red);font-size:14px;}
/* TIMELINE */
.timeline{display:flex;flex-wrap:wrap;gap:6px;margin:20px 0;}
.tnode{flex:1;min-width:130px;text-align:center;padding:14px 10px;background:#fff;border:1px solid var(--border);border-radius:8px;}
.tnode .tn{font-family:'Sora',sans-serif;font-size:20px;font-weight:700;color:var(--primary);display:block;}
.tnode .tl{font-size:12px;color:var(--muted);margin-top:4px;display:block;}
.tnode .td{font-size:12px;color:#555;margin-top:6px;}
/* STEPS */
.sl{display:flex;flex-direction:column;gap:0;}
.si2{display:flex;gap:18px;align-items:flex-start;padding:18px 0;border-bottom:1px solid var(--border);}
.si2:last-child{border-bottom:none;}
.sn{width:42px;height:42px;border-radius:50%;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Sora',sans-serif;font-size:17px;font-weight:700;flex-shrink:0;}
.si2 h4{font-weight:600;font-size:15px;margin-bottom:4px;color:var(--primary);}
.si2 p{font-size:14px;color:var(--muted);line-height:1.6;}
.pt{display:inline-block;font-size:10px;font-weight:700;padding:2px 8px;border-radius:4px;margin-bottom:6px;}
.pt-on{background:#eff6ff;color:var(--primary);}
.pt-sec{background:var(--abg);color:var(--amb);}
.pt-ok{background:var(--gbg);color:var(--green);}
/* ADVISORY GRID */
.adv-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:12px;margin:14px 0;}
.adv-card{background:#fff;border:1px solid var(--border);border-radius:8px;padding:14px 12px;}
.adv-card .aic{font-size:18px;margin-bottom:6px;}
.adv-card h4{font-size:14px;margin-bottom:3px;color:var(--primary);}
.adv-card p{font-size:12.5px;color:#555;margin:0;}
/* 2-COL */
.tc2{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:start;}
/* HIGHLIGHT */
.hl{background:rgba(244,168,50,.08);border-left:4px solid var(--accent);border-radius:0 12px 12px 0;padding:18px 22px;margin:20px 0;}
.hl strong{color:var(--primary);display:block;margin-bottom:5px;}
.hl p{font-size:14px;color:var(--muted);margin:0;line-height:1.7;}
/* FAQ */
.fl{display:flex;flex-direction:column;gap:11px;}
.fi{border:1px solid var(--border);border-radius:12px;overflow:hidden;}
.fq{padding:15px 20px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-size:15px;font-weight:500;color:var(--primary);gap:12px;user-select:none;}
.fq .ar{font-size:18px;color:var(--muted);flex-shrink:0;transition:.3s;}
.fa{display:none;padding:0 20px 14px;font-size:14px;color:var(--muted);line-height:1.7;}
.fi.op .fq{color:var(--accent);}.fi.op .fq .ar{transform:rotate(180deg);color:var(--accent);}.fi.op .fa{display:block;}
/* CTA */
.cb{background:linear-gradient(135deg,#0d2640,#1a3c5e);color:#fff;text-align:center;padding:68px 24px;}
.cb h2{font-family:'Sora',sans-serif;font-size:clamp(22px,3vw,36px);font-weight:700;margin-bottom:12px;}
.cb p{font-size:17px;color:rgba(255,255,255,.75);margin-bottom:30px;}
/* FOOTER */
.footer-inner p {
    color: #fff9;
        text-align: justify;
}
/* RESPONSIVE */
@media(max-width:1024px){.fi3{grid-template-columns:1fr 1fr;}.tc2{grid-template-columns:1fr;gap:32px;}}
@media(max-width:768px){
  .nl{display:none;}.hb{display:flex;}.mm.op{display:flex;}.fi3{grid-template-columns:1fr 1fr;}
  .type-grid{grid-template-columns:1fr;}
  .forms-grid{grid-template-columns:repeat(2,1fr);}
  .timeline{gap:4px;}.tnode{min-width:100px;}
  .hstats{gap:18px;}.hs .n{font-size:22px;}
}
@media(max-width:480px){
  .fi3{grid-template-columns:1fr;}
  .psi{flex-direction:column;align-items:flex-start;}
  .cr{flex-direction:column;}
  .cr .bp,.cr .bo{width:100%;text-align:center;}
  .forms-grid{grid-template-columns:1fr;}
  .ubar-inner{flex-direction:column;align-items:flex-start;}
  .timeline{flex-direction:column;}
}
:root{--navy:#1A3C6E;--n2:#122c54;--gold:#C08B0A;--glt:#F5C842;--green:#15803D;--gbg:#DCFCE7;--red:#B91C1C;--rbg:#FEE2E2;--amb:#92400E;--abg:#FEF3C7;--bbg:#EFF6FF;--teal:#0D7A6E;--tbg:#CCFBF1;--pur:#4C1D95;--pbg:#EDE9FE;--cream:#F8F8F5;--wh:#FFFFFF;--tx:#1F2937;--mu:#6B7280;--bd:#E5E7EB;}
 /* ── Sections ── */
    .sec{padding:50px 0;border-top:1px solid var(--bd);background:transparent;}
    .sec.white{background:#fff}
    .stag{text-transform:uppercase;letter-spacing:2px;font-size:11px;font-weight:700;color:var(--gold);margin-bottom:8px;}
    h2,h3,h4{margin:0;color:var(--navy);}
    h2{font-family:'Playfair Display',serif;font-size:clamp(20px,3vw,28px);margin-bottom:14px;}
    h3{font-size:17px;font-weight:700;margin:22px 0 10px;}
    h4{font-size:15px;font-weight:700;margin-bottom:6px;}
    p{color:#4B5563;margin:0 0 12px}

    /* ── Callout Boxes ── */
    .cl{border-radius:10px;padding:16px 18px;margin:16px 0;display:flex;gap:12px;align-items:flex-start;}
    .cl .ic{font-size:20px;flex-shrink:0;margin-top:2px;}
    .cl p{margin:0;font-size:14px}
    .g{background:var(--gbg);border:1px solid #86EFAC}
    .g h4{color:var(--green)} .g p{color:#166534}
    .a{background:var(--abg);border:1px solid #FCD34D}
    .a h4{color:var(--amb)} .a p{color:#78350F}
    .b{background:var(--bbg);border:1px solid #BFDBFE}
    .b h4{color:var(--navy)} .b p{color:#1E40AF}
    .r{background:var(--rbg);border:1px solid #FCA5A5}
    .r h4{color:var(--red)} .r p{color:#7F1D1D}

    /* ── Loan Cards Grid ── */
    .loan-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:14px;margin:20px 0;}
    .lc{background:var(--wh);border:1px solid var(--bd);border-radius:10px;padding:20px;border-top:4px solid #047857;}
    .lc .lic{font-size:26px;margin-bottom:10px;display:block;}
    .lc h4{font-size:14.5px;color:var(--navy);margin-bottom:4px}
    .lc .rate{font-size:13px;font-weight:700;color:#047857;margin:4px 0}
    .lc p{font-size:13px;color:#555;margin:0;line-height:1.55}

    /* ── Factor Grid ── */
    .factor-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:12px;margin:16px 0;}
    .fc{background:var(--wh);border:1px solid var(--bd);border-radius:8px;padding:14px;}
    .fc .fi{font-size:18px;margin-bottom:6px;}
    .fc h4{font-size:14px;margin-bottom:3px}
    .fc p{font-size:12.5px;color:#555;margin:0}

    /* ── Rate Table ── */
    .rate-tbl{width:100%;border-collapse:collapse;font-size:13.5px;background:#fff;overflow:hidden;border-radius:10px;}
    .rate-tbl th{background:#065F46;color:#fff;padding:11px 14px;text-align:left;font-weight:600;font-size:13px;}
    .rate-tbl td{padding:10px 14px;border-bottom:1px solid var(--bd);vertical-align:top;}
    .rate-tbl tr:nth-child(even) td{background:#F0FDF4}
    .rate-tbl tr:last-child td{border-bottom:none}
    .rt{font-weight:700;color:#047857}
    .ov{overflow-x:auto}

    /* ── Process List ── */
    .plist{list-style:none;padding:0;position:relative;margin:20px 0;}
    .plist::before{content:"";position:absolute;left:21px;top:8px;bottom:8px;width:2px;background:var(--bd);}
    .pli{display:flex;gap:18px;padding:0 0 28px;position:relative;}
    .pnum{width:44px;height:44px;border-radius:50%;background:#047857;color:#fff;font-size:15px;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0;position:relative;z-index:1;box-shadow:0 0 0 4px var(--cream);}
    .pb{padding-top:8px}
    .pb p{font-size:14px}
    .pt{display:inline-block;font-size:10px;font-weight:700;padding:2px 8px;border-radius:4px;margin-bottom:6px;}
    .pon{background:var(--bbg);color:var(--navy)}
    .psec{background:var(--abg);color:var(--amb)}
    .pok{background:var(--gbg);color:var(--green)}

    /* ── Why Cards Grid ── */
    .why-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:14px;margin:20px 0;}
    .why-card{background:linear-gradient(135deg,var(--navy2),#1a4a96);border-radius:12px;padding:22px;color:#fff;}
    .why-card .wi{font-size:28px;margin-bottom:12px;display:block;}
    .why-card h4{color:var(--glt);font-size:15px;margin-bottom:8px;}
    .why-card p{font-size:13px;color:rgba(255,255,255,.82);margin:0;line-height:1.6;}

    /* ── Two Column ── */
    .two-col{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:16px 0;}
    .doc-box{background:#fff;border:1px solid var(--bd);border-radius:10px;padding:16px;}
    .doc-box p{font-size:13.5px;line-height:1.9;margin:0;}

    /* ── FAQ ── */
    .faq-item{background:var(--wh);border:1px solid var(--bd);border-radius:10px;padding:18px 20px;margin-bottom:10px;}
    .faq-item h4{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:6px;}
    .faq-item p{font-size:14px;color:#555;margin:0;}

    /* ── CTA Section ── */
    .cta{background:var(--navy);padding:50px 24px;text-align:center;color:#fff;}
    .cta h2{color:#fff;font-size:24px;margin-bottom:8px;}
    .cta p{color:rgba(255,255,255,.75);margin-bottom:22px;}
    .ctab{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;}
    .bg{background:var(--gold);color:#fff;padding:12px 28px;border-radius:7px;font-weight:700;font-size:14px;text-decoration:none;display:inline-block;}
    .bo{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.4);padding:12px 28px;border-radius:7px;font-weight:700;font-size:14px;text-decoration:none;display:inline-block;}
   .mywhyg {
    grid-template-columns: revert-rule !important;
    display: flex;
    flex-direction: row;
    flex-wrap: nowrap;
    justify-content: space-around;
}
.why-visual h3 {
    color: #fff;
}
.cta-band h2 {
    color: #fff;
}