/* ═══════════════════════════════════════════
   LEGACY CARRY — SHARED STYLESHEET
   ═══════════════════════════════════════════ */
@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,400&family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,600;0,9..144,700;0,9..144,800;1,9..144,400&display=swap');

:root {
  --bg:      #F7F8FC;
  --bg2:     #EEF1F8;
  --navy:    #0B1B3E;
  --navy2:   #162552;
  --blue:    #1A56DB;
  --sky:     #E8F0FE;
  --gold:    #C9A84C;
  --gold2:   #E8C96A;
  --accent:  #F97316;
  --green:   #059669;
  --text:    #0B1B3E;
  --sub:     #4B5779;
  --muted:   #8892B0;
  --border:  #DDE3F0;
  --card:    #FFFFFF;
  --radius:  18px;
  --shadow:  0 2px 16px rgba(11,27,62,0.08);
  --shadow2: 0 8px 40px rgba(11,27,62,0.13);
  --tr:      0.3s cubic-bezier(0.4,0,0.2,1);
  --fd:      'Fraunces', serif;
  --fb:      'Plus Jakarta Sans', sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--fb); background: var(--bg); color: var(--text); min-height: 100vh; overflow-x: hidden; }

/* ── PAGE ENTRY ANIMATION ── */
.page-enter { animation: fadeIn .45s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: translateY(0); } }

/* ══════════════════════════
   NAV
══════════════════════════ */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 200;
  height: 68px; display: flex; align-items: center; justify-content: space-between;
  padding: 0 5vw;
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(20px);
  border-bottom: 1.5px solid var(--border);
  box-shadow: 0 2px 12px rgba(11,27,62,0.05);
}
.nav-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; cursor: pointer; }
.nav-logo-img {
  width: 42px; height: 42px; border-radius: 10px;
  background: #0a0a0a;
  display: flex; align-items: center; justify-content: center;
  overflow: hidden; flex-shrink: 0;
  box-shadow: 0 3px 12px rgba(0,0,0,0.25);
}
.nav-logo-img img { width: 36px; height: 36px; object-fit: contain; }
.nav-logo-text { font-family: var(--fd); font-size: 1.2rem; font-weight: 700; color: var(--navy); letter-spacing: -0.01em; line-height: 1.1; }
.nav-logo-text span { display: block; font-size: 0.62rem; font-weight: 500; color: var(--muted); font-family: var(--fb); letter-spacing: 0.06em; text-transform: uppercase; margin-top: 1px; }
.nav-links { display: flex; align-items: center; gap: 2px; list-style: none; }
.nav-links a, .nav-links button {
  font-family: var(--fb); font-size: 0.875rem; font-weight: 600;
  color: var(--sub); background: none; border: none; cursor: pointer;
  padding: 8px 13px; border-radius: 9px; text-decoration: none;
  transition: color var(--tr), background var(--tr);
}
.nav-links a:hover, .nav-links button:hover, .nav-links a.active { color: var(--navy); background: var(--sky); }
.nav-links a i, .nav-links button i { margin-right: 5px; font-size: 0.8rem; }
.nav-admin {
  color: #ffffff !important;

  border-radius: 10px !important; padding: 9px 20px !important;
  font-weight: 700 !important; font-size: 0.85rem !important;
  box-shadow: 0 3px 14px rgba(11,27,62,0.25) !important;
  
  
}
.nav-admin:hover { background: var(--blue) !important; transform: translateY(-1px) !important; }
.ham { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 6px; }
.ham span { display: block; width: 22px; height: 2.5px; background: var(--navy); border-radius: 3px; transition: var(--tr); }
.mob-menu {
  display: none; position: fixed; inset: 68px 0 0;
  background: rgba(255,255,255,0.97); backdrop-filter: blur(20px);
  z-index: 199; flex-direction: column; padding: 24px 5vw; gap: 4px;
  border-top: 1.5px solid var(--border);
}
.mob-menu.open { display: flex; }
.mob-menu a, .mob-menu button {
  font-family: var(--fb); font-size: 1rem; font-weight: 600;
  color: var(--sub); background: none; border: none; cursor: pointer;
  padding: 13px 14px; border-radius: 10px; text-decoration: none; text-align: left;
  transition: background var(--tr), color var(--tr);
  display: flex; align-items: center; gap: 10px;
}
.mob-menu a:hover, .mob-menu button:hover { background: var(--sky); color: var(--navy); }
.mob-menu a i, .mob-menu button i { width: 18px; text-align: center; font-size: 0.9rem; color: var(--blue); }

/* ══════════════════════════
   BUTTONS
══════════════════════════ */
.btn-solid {
  background: var(--navy); color: #fff;
  font-family: var(--fb); font-size: 0.95rem; font-weight: 700;
  padding: 14px 32px; border-radius: 12px; border: none; cursor: pointer;
  text-decoration: none; display: inline-flex; align-items: center; gap: 9px;
  box-shadow: 0 4px 20px rgba(11,27,62,0.25);
  transition: background var(--tr), transform var(--tr), box-shadow var(--tr);
}
.btn-solid:hover { background: var(--blue); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(26,86,219,0.35); }
.btn-outline {
  background: #fff; color: var(--navy);
  font-family: var(--fb); font-size: 0.95rem; font-weight: 700;
  padding: 14px 32px; border-radius: 12px;
  border: 2px solid var(--border); cursor: pointer;
  text-decoration: none; display: inline-flex; align-items: center; gap: 9px;
  transition: border-color var(--tr), background var(--tr), color var(--tr), transform var(--tr);
}
.btn-outline:hover { border-color: var(--blue); color: var(--blue); background: var(--sky); transform: translateY(-2px); }
.btn-white {
  background: #fff; color: var(--navy);
  font-family: var(--fb); font-size: 0.95rem; font-weight: 800;
  padding: 14px 34px; border-radius: 12px; border: none; cursor: pointer;
  display: inline-flex; align-items: center; gap: 9px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.22);
  transition: transform var(--tr), box-shadow var(--tr), background var(--tr); text-decoration: none;
}
.btn-white:hover { transform: translateY(-2px); box-shadow: 0 10px 32px rgba(0,0,0,0.28); background: var(--sky); }
.btn-ghost {
  background: rgba(255,255,255,0.1); color: #fff;
  font-family: var(--fb); font-size: 0.95rem; font-weight: 700;
  padding: 14px 32px; border-radius: 12px; border: 1.5px solid rgba(255,255,255,0.25);
  cursor: pointer; display: inline-flex; align-items: center; gap: 9px;
  transition: background var(--tr), border-color var(--tr); text-decoration: none;
}
.btn-ghost:hover { background: rgba(255,255,255,0.18); border-color: rgba(255,255,255,0.5); }

/* ══════════════════════════
   SECTION HELPERS
══════════════════════════ */
.wrap    { max-width: 1180px; margin: 0 auto; padding: 96px 5vw; }
.wrap-sm { max-width: 1180px; margin: 0 auto; padding: 56px 5vw; }
.sec-label {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 0.7rem; font-weight: 800; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--blue); background: var(--sky); border: 1px solid rgba(26,86,219,0.2);
  padding: 4px 14px; border-radius: 100px; margin-bottom: 18px;
}
.sec-label i { font-size: 0.75rem; }
h2.sec-h { font-family: var(--fd); font-size: clamp(2rem,4vw,3.2rem); font-weight: 800; letter-spacing: -0.03em; color: var(--navy); line-height: 1.1; margin-bottom: 16px; }
h2.sec-h em { font-style: italic; color: var(--blue); font-weight: 400; }
.sec-sub { color: var(--sub); font-size: 1rem; line-height: 1.75; max-width: 520px; margin-bottom: 50px; }

/* ══════════════════════════
   FEATURE CARDS
══════════════════════════ */
.feat-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(310px,1fr)); gap: 20px; }
.fc {
  background: #fff; border: 1.5px solid var(--border);
  border-radius: var(--radius); padding: 30px 26px;
  position: relative; overflow: hidden;
  transition: border-color var(--tr), transform var(--tr), box-shadow var(--tr);
}
.fc::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--gold));
  transform: scaleX(0); transform-origin: left; transition: transform .35s ease;
}
.fc:hover { border-color: rgba(26,86,219,0.3); transform: translateY(-5px); box-shadow: var(--shadow2); }
.fc:hover::after { transform: scaleX(1); }
.fc-ico {
  width: 52px; height: 52px; border-radius: 14px;
  background: var(--sky); display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; margin-bottom: 18px; color: var(--blue);
}
.fc-title { font-family: var(--fd); font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-bottom: 9px; }
.fc-desc  { color: var(--sub); font-size: 0.875rem; line-height: 1.7; }
.fc-chips { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 14px; }
.chip { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.04em; color: var(--blue); background: var(--sky); border: 1px solid rgba(26,86,219,0.18); padding: 3px 10px; border-radius: 100px; }

/* ══════════════════════════
   WHY GRID
══════════════════════════ */
.why-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.5px; background: var(--border); border: 1.5px solid var(--border); border-radius: 20px; overflow: hidden; }
.wc { background: #fff; padding: 34px 26px; }
.wc-n { font-family: var(--fd); font-size: 3rem; font-weight: 800; color: var(--bg2); line-height: 1; margin-bottom: 10px; }
.wc-title { font-family: var(--fd); font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 7px; }
.wc-desc { color: var(--sub); font-size: 0.86rem; line-height: 1.65; }

/* ══════════════════════════
   WHO GRID
══════════════════════════ */
.who-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
.who-c {
  background: #fff; border: 1.5px solid var(--border);
  border-radius: 16px; padding: 24px 16px; text-align: center;
  transition: border-color var(--tr), transform var(--tr), box-shadow var(--tr);
}
.who-c:hover { border-color: var(--blue); transform: translateY(-4px); box-shadow: var(--shadow2); }
.who-e { font-size: 2rem; margin-bottom: 10px; display: flex; align-items: center; justify-content: center; color: var(--blue); }
.who-e i { font-size: 1.8rem; }
.who-l { font-family: var(--fb); font-size: 0.83rem; font-weight: 700; color: var(--navy); }

/* ══════════════════════════
   CTA BOX
══════════════════════════ */
.cta-box { background: var(--navy); border-radius: 28px; padding: 80px 5vw; text-align: center; position: relative; overflow: hidden; }
.cta-box::before { content: ''; position: absolute; inset: 0; background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E"); }
.cta-box h2 { font-family: var(--fd); font-size: clamp(2rem,5vw,3.5rem); font-weight: 800; color: #fff; letter-spacing: -0.03em; margin-bottom: 14px; position: relative; }
.cta-box h2 em { color: var(--gold2); font-style: italic; font-weight: 400; }
.cta-box p { color: rgba(255,255,255,0.6); font-size: 1rem; line-height: 1.75; margin-bottom: 40px; max-width: 480px; margin-left: auto; margin-right: auto; position: relative; }
.cta-btns { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; position: relative; }

/* ══════════════════════════
   FOOTER
══════════════════════════ */
footer { background: var(--navy); color: rgba(255,255,255,0.8); padding: 72px 5vw 32px; }
.foot-grid { display: grid; grid-template-columns: 2.2fr 1fr 1fr 1.4fr; gap: 48px; margin-bottom: 52px; }
.foot-logo-wrap { display: inline-flex; align-items: center; gap: 11px; }
.foot-logo-img { width: 40px; height: 40px; border-radius: 10px; background: #0a0a0a; display: flex; align-items: center; justify-content: center; overflow: hidden; box-shadow: 0 2px 8px rgba(0,0,0,0.4), 0 0 0 1px rgba(201,168,76,0.25); }
.foot-logo-img img { width: 32px; height: 32px; object-fit: contain; }
.foot-logo-text { font-family: var(--fd); font-size: 1.15rem; font-weight: 700; color: #fff; line-height: 1.1; }
.foot-logo-text span { display: block; font-size: 0.58rem; font-weight: 500; color: rgba(255,255,255,0.4); font-family: var(--fb); letter-spacing: 0.06em; text-transform: uppercase; margin-top: 1px; }
.foot-desc { color: rgba(255,255,255,0.45); font-size: 0.86rem; line-height: 1.75; margin: 14px 0; }
.foot-col h4 { font-size: 0.7rem; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.3); margin-bottom: 16px; }
.foot-col ul { list-style: none; }
.foot-col li { margin-bottom: 10px; }
.foot-col a, .foot-col button {
  color: rgba(255,255,255,0.55); font-size: 0.875rem; font-weight: 500;
  background: none; border: none; cursor: pointer; text-decoration: none;
  font-family: var(--fb); padding: 0; text-align: left;
  display: inline-flex; align-items: center; gap: 7px;
  transition: color var(--tr);
}
.foot-col a i, .foot-col button i { font-size: 0.78rem; color: rgba(255,255,255,0.3); }
.foot-col a:hover, .foot-col button:hover { color: #fff; }
.foot-col a:hover i { color: var(--gold); }
.foot-address { color: rgba(255,255,255,0.55); font-size: 0.82rem; line-height: 1.75; }
.foot-address strong { color: rgba(255,255,255,0.8); font-weight: 600; display: flex; align-items: center; gap: 6px; margin-bottom: 4px; }
.foot-address strong i { font-size: 0.78rem; color: var(--gold); }
.foot-social { display: flex; gap: 10px; margin-top: 20px; }
.foot-social a {
  width: 36px; height: 36px; border-radius: 9px;
  background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.5); font-size: 0.9rem; text-decoration: none;
  transition: background var(--tr), color var(--tr), border-color var(--tr);
}
.foot-social a:hover { background: rgba(201,168,76,0.2); color: var(--gold); border-color: rgba(201,168,76,0.4); }
.foot-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 26px; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.foot-bottom p { color: rgba(255,255,255,0.3); font-size: 0.8rem; }
.foot-links { display: flex; gap: 20px; }
.foot-links a, .foot-links button { color: rgba(255,255,255,0.35); font-size: 0.8rem; background: none; border: none; cursor: pointer; font-family: var(--fb); text-decoration: none; transition: color var(--tr); }
.foot-links a:hover, .foot-links button:hover { color: #fff; }

/* ══════════════════════════
   CONTACT / FORM
══════════════════════════ */
.contact-wrap { padding: 108px 5vw 80px; max-width: 1100px; margin: 0 auto; }
.c-split { display: grid; grid-template-columns: 1fr 1.6fr; gap: 46px; align-items: start; }
.info-card { background: #fff; border: 1.5px solid var(--border); border-radius: 22px; padding: 34px 28px; box-shadow: var(--shadow); }
.info-card h3 { font-family: var(--fd); font-size: 1.2rem; font-weight: 800; color: var(--navy); margin-bottom: 6px; }
.info-card > .sub { color: var(--sub); font-size: 0.875rem; line-height: 1.7; margin-bottom: 28px; }
.ci { display: flex; gap: 14px; align-items: flex-start; padding: 17px 0; border-bottom: 1.5px solid var(--border); }
.ci:last-of-type { border-bottom: none; }
.ci-i { width: 42px; height: 42px; border-radius: 12px; background: var(--sky); display: flex; align-items: center; justify-content: center; font-size: 1rem; flex-shrink: 0; color: var(--blue); }
.ci-d label { display: block; font-size: 0.66rem; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); margin-bottom: 3px; }
.ci-d a, .ci-d span { color: var(--navy); font-size: 0.9rem; font-weight: 600; text-decoration: none; transition: color var(--tr); }
.ci-d a:hover { color: var(--blue); }
.qbtns { margin-top: 18px; display: flex; flex-direction: column; gap: 10px; }
.form-card { background: #fff; border: 1.5px solid var(--border); border-radius: 22px; padding: 38px 34px; box-shadow: var(--shadow); }
.form-card h3 { font-family: var(--fd); font-size: 1.25rem; font-weight: 800; color: var(--navy); margin-bottom: 26px; }
.frow { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.fg { margin-bottom: 16px; }
.fg label { display: block; font-size: 0.7rem; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; color: var(--sub); margin-bottom: 6px; }
.fg input, .fg select, .fg textarea {
  width: 100%; background: #fff; border: 1.5px solid var(--border);
  border-radius: 10px; padding: 11px 14px; color: var(--navy);
  font-family: var(--fb); font-size: 0.9rem; font-weight: 500;
  outline: none; transition: border-color var(--tr), box-shadow var(--tr);
}
.fg input::placeholder, .fg textarea::placeholder { color: var(--muted); font-weight: 400; }
.fg input:focus, .fg textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(26,86,219,0.1); }
.fg select { -webkit-appearance: none; cursor: pointer; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%234B5779' d='M6 8L0 0h12z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; }
.fg select option { color: var(--navy); background: #fff; }
.fg textarea { min-height: 108px; resize: vertical; }
.form-ok { display: none; background: #ECFDF5; border: 1.5px solid #A7F3D0; border-radius: 12px; padding: 16px; margin-top: 14px; color: #065F46; font-size: 0.875rem; font-weight: 600; text-align: center; }
.form-ok.show { display: block; }
.faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 38px; }

/* ══════════════════════════
   POLICY PAGES
══════════════════════════ */
.pol-wrap { padding: 108px 5vw 80px; max-width: 800px; margin: 0 auto; }
.pol-hdr { margin-bottom: 44px; }
.pol-hdr h1 { font-family: var(--fd); font-size: clamp(2.2rem,5vw,3.5rem); font-weight: 800; letter-spacing: -0.03em; color: var(--navy); margin: 12px 0; }
.pol-hdr h1 em { font-style: italic; color: var(--blue); }
.pol-hdr p { color: var(--sub); font-size: 0.875rem; }
.pol-toc { background: #fff; border: 1.5px solid var(--border); border-radius: 16px; padding: 26px 28px; margin-bottom: 36px; box-shadow: var(--shadow); }
.pol-toc h4 { font-size: 0.7rem; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); margin-bottom: 13px; }
.pol-toc ol { padding-left: 18px; }
.pol-toc li { margin-bottom: 7px; }
.pol-toc a { color: var(--blue); font-size: 0.875rem; font-weight: 600; text-decoration: none; }
.pol-toc a:hover { text-decoration: underline; }
.pol-note { background: var(--sky); border-left: 4px solid var(--blue); border-radius: 0 12px 12px 0; padding: 14px 20px; margin-bottom: 36px; }
.pol-note p { color: var(--navy); font-size: 0.875rem; line-height: 1.7; font-weight: 500; }
.pol-sec { margin-bottom: 42px; scroll-margin-top: 88px; }
.pol-sec h2 { font-family: var(--fd); font-size: 1.3rem; font-weight: 700; color: var(--navy); margin-bottom: 13px; padding-bottom: 10px; border-bottom: 2px solid var(--border); display: flex; align-items: center; gap: 8px; }
.pol-sec h2 i { color: var(--blue); font-size: 1rem; }
.pol-sec p { color: var(--sub); font-size: 0.9rem; line-height: 1.8; margin-bottom: 13px; }
.pol-sec ul { padding-left: 20px; margin-bottom: 13px; }
.pol-sec ul li { color: var(--sub); font-size: 0.9rem; line-height: 1.8; margin-bottom: 7px; }
.pol-sec strong { color: var(--navy); font-weight: 700; }
.pol-hl { background: rgba(249,115,22,0.07); border-left: 4px solid var(--accent); border-radius: 0 12px 12px 0; padding: 14px 20px; margin: 16px 0; }
.pol-hl p { color: var(--navy); font-size: 0.875rem; margin: 0; line-height: 1.65; }

/* ══════════════════════════
   ABOUT PAGE
══════════════════════════ */
.about-wrap { padding: 108px 5vw 60px; max-width: 1180px; margin: 0 auto; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.split h1 { font-family: var(--fd); font-size: clamp(2.4rem,5vw,4rem); font-weight: 800; letter-spacing: -0.03em; line-height: 1.05; margin-bottom: 22px; color: var(--navy); }
.split h1 em { font-style: italic; color: var(--blue); }
.split > div > p { color: var(--sub); font-size: 1rem; line-height: 1.8; margin-bottom: 32px; }
.about-card { background: linear-gradient(135deg,#0a0a0a,#1a1a1a); border-radius: 24px; padding: 52px 36px; text-align: center; color: #fff; min-height: 360px; display: flex; flex-direction: column; align-items: center; justify-content: center; position: relative; overflow: hidden; }
.about-card::before { content: ''; position: absolute; inset: 0; background: radial-gradient(circle at 50% 40%, rgba(201,168,76,0.15) 0%, transparent 65%); }
.about-card-logo { width: 100px; height: 100px; border-radius: 20px; background: #0a0a0a; display: flex; align-items: center; justify-content: center; overflow: hidden; margin: 0 auto 20px; box-shadow: 0 8px 32px rgba(0,0,0,0.5), 0 0 0 1px rgba(201,168,76,0.3); }
.about-card-logo img { width: 84px; height: 84px; object-fit: contain; }
.about-card h3 { font-family: var(--fd); font-size: 1.3rem; font-weight: 700; margin-bottom: 12px; position: relative; color: #fff; }
.about-card p { font-size: 0.875rem; color: rgba(255,255,255,0.7); line-height: 1.65; position: relative; max-width: 260px; }
.tl { margin-top: 16px; }
.tl-item { display: flex; gap: 18px; padding: 22px 0; border-bottom: 1.5px solid var(--border); }
.tl-item:last-child { border-bottom: none; }
.tl-l { display: flex; flex-direction: column; align-items: center; width: 24px; flex-shrink: 0; margin-top: 4px; }
.tl-dot { width: 12px; height: 12px; border-radius: 50%; background: var(--blue); box-shadow: 0 0 0 4px rgba(26,86,219,0.12); flex-shrink: 0; }
.tl-line { flex: 1; width: 2px; background: var(--border); margin-top: 6px; }
.tl-c h4 { font-family: var(--fd); font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 5px; }
.tl-c p { color: var(--sub); font-size: 0.875rem; line-height: 1.65; }
.vals { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; margin-top: 36px; }
.vc { background: #fff; border: 1.5px solid var(--border); border-radius: 16px; padding: 26px 22px; transition: border-color var(--tr), transform var(--tr); }
.vc:hover { border-color: var(--blue); transform: translateY(-4px); box-shadow: var(--shadow2); }
.vc-i { font-size: 1.8rem; margin-bottom: 12px; display: flex; align-items: center; color: var(--blue); }
.vc-i i { font-size: 1.6rem; }
.vc-t { font-family: var(--fd); font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 7px; }
.vc-d { color: var(--sub); font-size: 0.855rem; line-height: 1.65; }

/* ══════════════════════════
   STATS STRIP
══════════════════════════ */
.stats-strip { display: flex; background: #fff; border: 2px solid var(--border); border-radius: 20px; overflow: hidden; box-shadow: var(--shadow2); max-width: 720px; width: 100%; }
.stat { flex: 1; padding: 22px 18px; text-align: center; border-right: 1.5px solid var(--border); }
.stat:last-child { border-right: none; }
.stat-n { font-family: var(--fd); font-size: 2rem; font-weight: 800; color: var(--navy); line-height: 1; }
.stat-n span { color: var(--blue); }
.stat-l { font-size: 0.7rem; font-weight: 700; color: var(--muted); letter-spacing: 0.08em; text-transform: uppercase; margin-top: 5px; }

/* ══════════════════════════
   MINI FOOTER (policy pages)
══════════════════════════ */
.mini-footer { background: var(--navy); }
.mini-footer-inner { border-top: 1px solid rgba(255,255,255,0.1); padding: 26px 5vw; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.mini-footer-inner p { color: rgba(255,255,255,0.3); font-size: 0.8rem; }
.mini-footer-links { display: flex; gap: 20px; }
.mini-footer-links a { color: rgba(255,255,255,0.4); font-size: 0.8rem; text-decoration: none; transition: color var(--tr); }
.mini-footer-links a:hover { color: #fff; }

/* ══════════════════════════
   RESPONSIVE
══════════════════════════ */
@media(max-width:900px) {
  .nav-links { display: none; }
  .ham { display: flex; }
  .split { grid-template-columns: 1fr; }
  .c-split { grid-template-columns: 1fr; }
  .frow { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .who-grid { grid-template-columns: repeat(2,1fr); }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .vals { grid-template-columns: 1fr; }
  .faq-grid { grid-template-columns: 1fr; }
}
@media(max-width:520px) {
  .stats-strip { flex-direction: column; }
  .stat { border-right: none; border-bottom: 1.5px solid var(--border); }
  .stat:last-child { border-bottom: none; }
  .foot-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .who-grid { grid-template-columns: repeat(2,1fr); }
}