:root{
  --cobalt:#2346a3;
  --cobalt-deep:#162c6b;
  --navy:#0f1d44;
  --sun:#f5c242;
  --sun-dark:#d9a420;
  --paper:#fbf9f4;
  --mist:#eef2fb;
  --line:#dde3f0;
  --ink:#1b2236;
  --muted:#5b6377;
  --r:20px;
  --shadow:0 22px 44px -28px rgba(15,29,68,.55);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Figtree',system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.75;font-size:16px}
h1,h2,h3,h4,h5{font-family:'Lexend',system-ui,sans-serif;font-weight:600;color:var(--navy);letter-spacing:-.02em}
a{color:var(--cobalt);text-decoration:none;transition:color .2s}
a:hover{color:var(--sun-dark)}
img{max-width:100%}
.sec{padding:92px 0}
.sec-sm{padding:60px 0}
.bg-mist{background:var(--mist)}
.bg-navy{background:var(--navy);color:#cdd6ee}
.bg-navy h2,.bg-navy h3,.bg-navy h4{color:#fff}
.kicker{display:inline-flex;align-items:center;gap:.5rem;background:rgba(245,194,66,.22);color:var(--cobalt-deep);font-weight:700;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;padding:.35rem .9rem;border-radius:999px;margin-bottom:1rem}
.bg-navy .kicker,.page-band .kicker{background:rgba(245,194,66,.18);color:var(--sun)}
.title{font-size:clamp(1.9rem,3.6vw,2.8rem);line-height:1.15;margin-bottom:1rem}
.muted{color:var(--muted)}
.lead-lg{font-size:1.1rem;color:var(--muted)}

/* ---------- Logo ---------- */
.logo{display:inline-flex;align-items:center;gap:.55rem;white-space:nowrap;font-family:'Lexend',sans-serif;font-weight:700;font-size:1.45rem;color:var(--navy);letter-spacing:-.02em;line-height:1}
.logo:hover{color:var(--navy)}
.logo .mk{width:40px;height:40px;border-radius:12px 12px 12px 0;background:var(--cobalt);color:var(--sun);display:inline-flex;align-items:center;justify-content:center;font-size:1.15rem;flex-shrink:0}
.logo.light{color:#fff}
.logo.light:hover{color:#fff}
.logo.light .mk{background:var(--sun);color:var(--navy)}

/* ---------- Two-row header ---------- */
.head-top{background:#fff;padding:1rem 0;border-bottom:1px solid var(--line)}
.head-contact{display:flex;gap:1.6rem;align-items:center}
.hc-item{display:flex;gap:.6rem;align-items:center;font-size:.9rem;line-height:1.3}
.hc-item i{width:38px;height:38px;border-radius:50%;background:var(--mist);color:var(--cobalt);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.hc-item small{display:block;color:var(--muted);font-size:.75rem}
.hc-item a{color:var(--navy);font-weight:600}
.head-nav{background:var(--cobalt);position:sticky;top:0;z-index:1030;transition:box-shadow .3s}
.head-nav.scrolled{box-shadow:0 10px 24px -14px rgba(0,0,0,.5)}
.head-nav .navbar{padding:0}
.head-nav .nav-link{color:#e3e9fb;font-weight:600;padding:1rem 1.15rem !important;border-bottom:3px solid transparent}
.head-nav .nav-link:hover,.head-nav .nav-link.active{color:#fff;border-bottom-color:var(--sun)}
.head-nav .navbar-toggler{color:#fff;border:none;box-shadow:none !important;font-size:1.6rem;padding:.6rem 0}
.mini-logo{display:none;color:#fff;font-family:'Lexend',sans-serif;font-weight:700}

/* ---------- Buttons ---------- */
.btn-sun,.btn-cob,.btn-ghost{display:inline-flex;align-items:center;gap:.5rem;border-radius:999px;font-weight:700;padding:.8rem 1.6rem;transition:all .25s;border:2px solid transparent}
.btn-sun{background:var(--sun);color:var(--navy);border-color:var(--sun)}
.btn-sun:hover{background:var(--sun-dark);border-color:var(--sun-dark);color:var(--navy)}
.btn-cob{background:var(--cobalt);color:#fff;border-color:var(--cobalt)}
.btn-cob:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-ghost.light{color:#fff;border-color:rgba(255,255,255,.55)}
.btn-ghost.light:hover{background:#fff;color:var(--navy)}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--cobalt-deep) 60%,var(--cobalt) 100%);color:#cdd6ee;padding:80px 0 90px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;width:480px;height:480px;border-radius:50%;border:60px solid rgba(245,194,66,.12);right:-140px;top:-160px}
.hero .container{position:relative;z-index:2}
.hero h1{color:#fff;font-size:clamp(2.4rem,5vw,4rem);line-height:1.06;margin-bottom:1.2rem}
.hero h1 span{color:var(--sun)}
.hero p.lead{color:#c3cdea;font-size:1.12rem}
.hero-img{border-radius:var(--r);overflow:hidden;margin-top:2.4rem;height:260px;background:rgba(255,255,255,.08)}
.hero-img img{width:100%;height:100%;object-fit:cover}
.zone-stack{display:flex;flex-direction:column;gap:14px}
.zone-tile{display:flex;align-items:center;gap:1rem;background:#fff;border-radius:16px;padding:.7rem;color:var(--ink);box-shadow:var(--shadow);transition:transform .25s}
.zone-tile:hover{transform:translateX(-6px);color:var(--ink)}
.zone-tile .ph{width:96px;height:80px;border-radius:12px;overflow:hidden;flex-shrink:0;background:linear-gradient(135deg,var(--cobalt),var(--navy));position:relative;display:flex;align-items:center;justify-content:center}
.zone-tile .ph i{color:rgba(255,255,255,.5);font-size:1.5rem;position:absolute}
.zone-tile .ph img{position:relative;width:100%;height:100%;object-fit:cover}
.zone-tile h5{font-size:1.02rem;margin:0 0 .15rem}
.zone-tile p{margin:0;font-size:.86rem;color:var(--muted);line-height:1.4}
.zone-tile .go{margin-left:auto;width:36px;height:36px;border-radius:50%;background:var(--sun);color:var(--navy);display:flex;align-items:center;justify-content:center;flex-shrink:0}

/* ---------- Ribbon ---------- */
.ribbon{background:var(--sun)}
.ribbon .it{display:flex;align-items:center;gap:.6rem;justify-content:center;padding:1.1rem .4rem;font-weight:700;color:var(--navy);font-family:'Lexend',sans-serif;font-size:.95rem}

/* ---------- Horizontal service cards ---------- */
.svc{display:flex;background:#fff;border-radius:var(--r);overflow:hidden;border:1px solid var(--line);height:100%;transition:box-shadow .3s,transform .3s}
.svc:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
.svc .ph{width:42%;flex-shrink:0;position:relative;background:linear-gradient(135deg,var(--cobalt),var(--navy));display:flex;align-items:center;justify-content:center;min-height:240px}
.svc .ph .fb{position:absolute;color:rgba(255,255,255,.4);font-size:2.6rem}
.svc .ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.svc .bd{padding:1.6rem 1.6rem 1.5rem;display:flex;flex-direction:column}
.svc .ic{width:46px;height:46px;border-radius:12px 12px 12px 0;background:var(--mist);color:var(--cobalt);display:flex;align-items:center;justify-content:center;font-size:1.25rem;margin-bottom:.9rem}
.svc h3{font-size:1.22rem;margin-bottom:.5rem}
.svc p{color:var(--muted);font-size:.94rem;flex-grow:1;margin-bottom:1rem}
.svc .btn-cob{align-self:flex-start;padding:.55rem 1.2rem;font-size:.88rem}

/* ---------- Tabs (why us / about) ---------- */
.zp-tabs .nav-link{border-radius:999px;font-weight:700;color:var(--navy);background:#fff;border:1px solid var(--line);margin:0 .4rem .6rem 0;padding:.6rem 1.3rem}
.zp-tabs .nav-link.active{background:var(--cobalt);color:#fff;border-color:var(--cobalt)}
.tab-panel{background:#fff;border-radius:var(--r);padding:2.2rem;border:1px solid var(--line)}
.tab-panel ul{list-style:none;padding:0;margin:1rem 0 0}
.tab-panel li{display:flex;gap:.6rem;margin-bottom:.6rem}
.tab-panel li i{color:var(--cobalt);margin-top:.25rem}
.img-round{border-radius:var(--r);overflow:hidden;background:linear-gradient(135deg,var(--cobalt),var(--navy));aspect-ratio:4/3}
.img-round img{width:100%;height:100%;object-fit:cover}

/* ---------- Path (process) ---------- */
.path{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.path-step{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:1.8rem;position:relative}
.path-step .ic{width:54px;height:54px;border-radius:50%;background:var(--sun);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:1.35rem;margin-bottom:1rem}
.path-step h4{font-size:1.15rem}
.path-step p{color:#b9c3e0;margin:0;font-size:.95rem}
.path-step:not(:last-child)::after{content:"\F138";font-family:'bootstrap-icons';position:absolute;right:-17px;top:50%;transform:translateY(-50%);color:var(--sun);font-size:1.3rem;z-index:2}

/* ---------- Blog list (horizontal) ---------- */
.post-row{display:flex;gap:1.6rem;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin-bottom:1.4rem;transition:box-shadow .3s}
.post-row:hover{box-shadow:var(--shadow)}
.post-row .ph{width:36%;flex-shrink:0;min-height:230px;position:relative;background:linear-gradient(135deg,var(--cobalt),var(--navy));display:flex;align-items:center;justify-content:center}
.post-row .ph .fb{position:absolute;color:rgba(255,255,255,.4);font-size:2.4rem}
.post-row .ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.post-row .bd{padding:1.8rem 1.8rem 1.8rem 0;display:flex;flex-direction:column;justify-content:center}
.post-row .svc-tag{display:inline-flex;gap:.4rem;align-items:center;color:var(--cobalt);font-weight:700;font-size:.82rem;text-transform:uppercase;letter-spacing:.06em;margin-bottom:.5rem}
.post-row h3{font-size:1.35rem;line-height:1.3}
.post-row h3 a{color:var(--navy)}
.post-row h3 a:hover{color:var(--cobalt)}
.post-row p{color:var(--muted);margin-bottom:.8rem}
.more{font-weight:700;display:inline-flex;gap:.4rem;align-items:center}
.more:hover{gap:.7rem}

/* ---------- Page band ---------- */
.page-band{background:var(--navy);color:#cdd6ee;padding:70px 0 60px;position:relative;overflow:hidden}
.page-band::after{content:"";position:absolute;right:-80px;bottom:-120px;width:340px;height:340px;border-radius:50%;border:50px solid rgba(245,194,66,.12)}
.page-band .container{position:relative;z-index:2}
.page-band h1{color:#fff;font-size:clamp(2.1rem,4.4vw,3.3rem);margin-bottom:.6rem}
.page-band .crumb{display:inline-flex;gap:.5rem;background:rgba(255,255,255,.08);border-radius:999px;padding:.4rem 1rem;font-size:.88rem;font-weight:600}
.page-band .crumb a{color:var(--sun)}

/* ---------- Article ---------- */
.article-wrap{max-width:820px;margin:0 auto}
.article-cover{border-radius:var(--r);overflow:hidden;aspect-ratio:16/8;margin-bottom:2rem;position:relative;background:linear-gradient(135deg,var(--cobalt),var(--navy));display:flex;align-items:center;justify-content:center}
.article-cover .fb{position:absolute;color:rgba(255,255,255,.4);font-size:3rem}
.article-cover img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.meta{display:flex;flex-wrap:wrap;gap:1rem;color:var(--muted);font-weight:600;font-size:.92rem;margin-bottom:1.6rem}
.meta i{color:var(--cobalt)}
.article{font-size:1.06rem}
.article h2{font-size:1.65rem;margin:2.2rem 0 .9rem}
.article h3{font-size:1.25rem;margin:1.5rem 0 .5rem}
.article ul{padding-left:1.2rem}
.article li{margin-bottom:.5rem}
.article-lead{font-size:1.18rem;color:var(--navy);font-weight:500}
.article blockquote{background:var(--mist);border-radius:var(--r);padding:1.5rem 1.8rem;margin:2rem 0;font-family:'Lexend',sans-serif;font-size:1.15rem;color:var(--cobalt-deep);position:relative}
.article blockquote::before{content:"\201C";position:absolute;left:14px;top:-18px;font-size:4rem;color:var(--sun);font-family:Georgia,serif}
.takeaways{background:#fff;border:2px dashed var(--cobalt);border-radius:var(--r);padding:1.6rem 1.8rem;margin:2rem 0}
.takeaways h3{font-size:1.15rem;margin:0 0 .9rem;display:flex;gap:.5rem;align-items:center}
.takeaways h3 i{color:var(--sun-dark)}
.takeaways ul{list-style:none;padding:0;margin:0}
.takeaways li{display:flex;gap:.6rem;margin-bottom:.55rem}
.takeaways li i{color:var(--cobalt);margin-top:.25rem}
.faq .accordion-item{border:1px solid var(--line);border-radius:14px !important;overflow:hidden;margin-bottom:.7rem}
.faq .accordion-button{font-weight:700;color:var(--navy);font-family:'Figtree',sans-serif}
.faq .accordion-button:not(.collapsed){background:var(--mist);color:var(--navy);box-shadow:none}
.related{background:var(--mist);border-radius:var(--r);padding:2rem;margin-top:3rem}
.related h4{font-size:1.2rem}
.related .chip{display:inline-flex;align-items:center;gap:.4rem;background:#fff;border:1px solid var(--line);border-radius:999px;padding:.4rem .9rem;margin:.25rem;font-weight:600;color:var(--navy);font-size:.9rem}
.related .chip:hover{border-color:var(--cobalt);color:var(--cobalt)}

/* ---------- Forms ---------- */
.form-box{background:#fff;border-radius:var(--r);padding:2.4rem;border:1px solid var(--line);box-shadow:var(--shadow)}
.form-label{font-weight:700;font-size:.9rem;color:var(--navy)}
.form-control,.form-select{border-radius:12px;border:1.5px solid var(--line);padding:.8rem 1rem;background:var(--paper)}
.form-control:focus,.form-select:focus{border-color:var(--cobalt);box-shadow:0 0 0 .2rem rgba(35,70,163,.14);background:#fff}
.form-check-input:checked{background-color:var(--cobalt);border-color:var(--cobalt)}
.form-success{display:none;background:#e9f0ff;border:1px solid #c6d4f5;color:var(--navy);border-radius:12px;padding:1rem 1.2rem;margin-top:1rem;font-weight:600}
.form-success.show{display:flex;gap:.6rem;align-items:center}
.info-card{background:#fff;border-radius:var(--r);padding:1.6rem;border:1px solid var(--line);height:100%;display:flex;gap:1rem;align-items:flex-start}
.info-card .ic{width:50px;height:50px;border-radius:12px 12px 12px 0;background:var(--cobalt);color:var(--sun);display:flex;align-items:center;justify-content:center;font-size:1.25rem;flex-shrink:0}
.info-card h5{font-size:1.02rem;margin-bottom:.2rem}
.info-card p,.info-card a{margin:0;color:var(--muted)}
.map-full{height:380px;border-radius:var(--r);overflow:hidden;border:1px solid var(--line)}
.map-full iframe{width:100%;height:100%;border:0}

/* ---------- Newsletter pages ---------- */
.nl-card{max-width:760px;margin:0 auto;background:#fff;border-radius:28px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line)}
.nl-head{background:linear-gradient(135deg,var(--cobalt),var(--navy));color:#cdd6ee;padding:2.6rem;text-align:center}
.nl-head .big{width:74px;height:74px;border-radius:50%;background:var(--sun);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:2rem;margin:0 auto 1rem}
.nl-head h2{color:#fff}
.nl-perks{display:flex;flex-wrap:wrap;justify-content:center;gap:.5rem;margin-top:1rem}
.nl-perks span{background:rgba(255,255,255,.1);border-radius:999px;padding:.35rem .9rem;font-size:.86rem;font-weight:600}
.nl-body{padding:2.4rem}

/* ---------- Legal ---------- */
.legal-body{background:#fff;border-radius:var(--r);padding:2.6rem;border:1px solid var(--line)}
.legal-body h2{font-size:1.35rem;margin:2rem 0 .7rem;padding-top:.4rem}
.legal-body h2:first-child{margin-top:0}
.legal-body p,.legal-body li{color:#394158}
.toc{position:sticky;top:90px;background:#fff;border-radius:var(--r);padding:1.5rem;border:1px solid var(--line)}
.toc h5{font-size:1rem;margin-bottom:.8rem}
.toc a{display:block;padding:.35rem 0;color:var(--muted);font-weight:600;font-size:.9rem}
.toc a:hover{color:var(--cobalt)}
.legal-contact{background:var(--mist);border-radius:14px;padding:1.2rem 1.4rem}
.legal-contact i{color:var(--cobalt)}

/* ---------- CTA ---------- */
.cta{background:var(--sun);border-radius:28px;padding:3.2rem;position:relative;overflow:hidden}
.cta::after{content:"\F425";font-family:'bootstrap-icons';position:absolute;right:20px;bottom:-60px;font-size:14rem;color:rgba(15,29,68,.08);line-height:1}
.cta h2{font-size:clamp(1.7rem,3vw,2.4rem)}
.cta p{color:#3b3420}

/* ---------- Footer ---------- */
.foot{background:var(--navy);color:#b7c1df;padding:70px 0 0}
.foot a{color:#b7c1df}
.foot a:hover{color:var(--sun)}
.foot-brand{text-align:center;padding-bottom:2.4rem;border-bottom:1px solid rgba(255,255,255,.1)}
.foot-brand p{max-width:620px;margin:1rem auto 1.2rem}
.foot-nav{display:flex;flex-wrap:wrap;justify-content:center;gap:.4rem 1.8rem;font-weight:600}
.foot-cols{padding:2.6rem 0}
.foot h5{color:#fff;font-size:1.05rem;margin-bottom:1.1rem}
.foot ul{list-style:none;padding:0;margin:0}
.foot li{margin-bottom:.6rem}
.foot .fc{display:flex;gap:.7rem;align-items:center}
.foot .fc i{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.08);color:var(--sun);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.foot-sub{display:flex;background:rgba(255,255,255,.08);border-radius:999px;padding:.3rem;margin-top:.4rem}
.foot-sub input{flex:1;min-width:0;background:transparent;border:none;color:#fff;padding:.55rem 1rem;outline:none}
.foot-sub input::placeholder{color:#8e99bd}
.foot-sub button{border:none;border-radius:999px;background:var(--sun);color:var(--navy);font-weight:700;padding:.55rem 1.1rem;white-space:nowrap}
.socials{display:flex;gap:.5rem;justify-content:center;margin-top:1rem}
.socials a{width:40px;height:40px;border-radius:50%;border:1px solid rgba(255,255,255,.18);display:flex;align-items:center;justify-content:center}
.socials a:hover{background:var(--sun);border-color:var(--sun);color:var(--navy)}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding:1.3rem 0;font-size:.9rem}
.foot-legal{display:flex;gap:1.4rem;justify-content:flex-end;flex-wrap:wrap}

.to-top{position:fixed;right:22px;bottom:22px;width:48px;height:48px;border-radius:50%;background:var(--sun);color:var(--navy);border:none;font-size:1.2rem;box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:all .3s;z-index:50}
.to-top.show{opacity:1;visibility:visible}

.reveal{opacity:0;transform:translateY(26px);transition:opacity .8s ease,transform .8s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}}

@media (max-width:991px){
  .head-contact{display:none}
  .mini-logo{display:inline-block}
  .sec{padding:72px 0}
  .path{grid-template-columns:repeat(2,1fr)}
  .path-step::after{display:none}
  .toc{position:static;margin-bottom:1.5rem}
  .zone-stack{margin-top:2rem}
}
@media (max-width:767px){
  .svc{flex-direction:column}
  .svc .ph{width:100%;min-height:200px}
  .post-row{flex-direction:column;gap:0}
  .post-row .ph{width:100%;min-height:200px}
  .post-row .bd{padding:1.5rem}
  .foot-legal{justify-content:center}
}
@media (max-width:575px){
  .path{grid-template-columns:1fr}
  .cta,.form-box,.legal-body,.nl-body,.nl-head,.tab-panel{padding:1.8rem 1.3rem}
  .logo{font-size:1.2rem}
}
.d-contents{display:contents}
.text-primary{color:var(--cobalt) !important}