:root {
  --navy: #103b7d;
  --deep-navy: #0a2e67;
  --gold: #F5A623;
  --cyan: #00b4c5;
  --text-navy: #153b78;
  --soft-bg: #e8ebef;
  --card-bg: #f0f1f3;
  --white: #ffffff;
  --nav-h: 88px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 88px;
}

body {
  margin: 0;
  background: var(--soft-bg);
  color: var(--text-navy);
  font-family: "Poppins", sans-serif;
   font-optical-sizing: auto;
    text-rendering: geometricPrecision;
}

.section {
  position: relative;
  overflow: hidden;
  min-height: calc(100vh - var(--nav-h));
}

.app-navbar {
  background: #052861;
  min-height: 90px;
  opacity: .98;
}

.navbar .nav-link {
  color: #f2f5ff;
  font-weight: 500;
  font-size: 1.0rem;
  padding: 0.4rem 0.4rem;
  display: inline-block;
  transition: transform 240ms ease, color 180ms ease;
}


.navbar .nav-link.active {
  color: #ffffff;
}

.navbar .nav-link:hover {
  color: var(--gold);
  transform: scale(1.1) translateY(3px);
}
.btn-outline-login{border-color: var(--gold); color:var(--gold);}

.btn-outline-login:hover {
  color: var(--gold);
  background-color: white;
  transform: none;
}
.app-navbar .btn {
  transition: transform 240ms ease;
}

.app-navbar .btn:hover,
.app-navbar .btn:focus-visible {
  transform: scale(1.1) translateY(3px);
}

.app-navbar .btn-outline-login:hover,
.app-navbar .btn-outline-login:focus-visible {
  transform: none;
}

.nav-close-btn {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  background: transparent;
  border: none;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  padding: 0.65rem 0 0.85rem;
  margin-bottom: 0.5rem;
  width: 100%;
  cursor: pointer;
}

.nav-close-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 50%;
  border: 2px solid var(--gold);
  color: var(--gold);
  font-size: 1.05rem;
  line-height: 1;
  background: rgba(245, 166, 35, 0.08);
  box-shadow: 0 0 0 0 rgba(245, 166, 35, 0);
  transition: background 220ms ease, color 220ms ease, box-shadow 220ms ease,
    transform 340ms cubic-bezier(0.34, 1.56, 0.64, 1);
}

.nav-close-btn:hover .nav-close-icon,
.nav-close-btn:focus-visible .nav-close-icon {
  background: var(--gold);
  color: var(--deep-navy);
  box-shadow: 0 0 0 5px rgba(245, 166, 35, 0.25);
  transform: rotate(90deg) scale(1.1);
}

.nav-close-btn:focus-visible {
  outline: none;
}

.brand-logo {
  width: 76px;
  height: auto;
}

.brand-wordmark {
  font-size:  1.875rem;
  line-height: 1;
  font-weight: 600;
  color: #fff;
}

.brand-wordmark .gold {
  color: var(--gold);
}

main {
  padding-top: 88px;
}

.section-title {
  font-size: clamp(2.16rem, 3vw, 3.36rem);
  font-weight: 500;
  letter-spacing: 0.2px;
}

.text-cyan {
  color: var(--cyan);
}

.text-gold {
  color: var(--gold);
}

.hero-section {
  height: calc(100vh - var(--nav-h));
  align-items: flex-start !important;
}

.hero-bg-slider {
  position: absolute;
  inset: 0;
  overflow: hidden;
  z-index: 0;
}

.hero-bg-slide {
  position: absolute;
  inset: 0;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  transform: translateX(100%);
  will-change: transform;
}

.hero-bg-slide.current {
  transform: translateX(0);
}

.hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(90deg, rgba(1,28,52,1) 0%, rgba(1,28,52,0.7) 30%, rgba(1,28,52,0.2) 100%);
}

.hero-section .container {
  position: relative;
  z-index: 2;
}

.hero-section .section-title {
  font-size: clamp(1.94rem, 2.7vw, 3.02rem);
}

.hero-points {
  list-style: disc;
  margin: 0;
  padding-left: 1.2rem;
  display: grid;
  gap: 1.15rem;
}

.hero-points li {
  font-size: clamp(1.2rem, 1.5vw, 1.56rem);
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.88);
  font-weight: 300;
}

.btn-pill {
  border-radius: 999px;
    font-weight: 500;
    font-size: clamp(1.1rem, 1vw, 1.5rem);
    padding: .9rem 1.1rem;
    box-shadow: rgba(20, 35, 63, 0.26) 0px 11px 22px;
}
.bold{font-weight: bold;}
.btn-gold {
  background: var(--gold);
  color: #fff;
}

.btn-gold:hover {
  background: #d99318;
  color: #fff;
}

.split-section {
  height: calc(100vh - var(--nav-h));
  display: flex;
  align-items: flex-start;
  background: right center / cover no-repeat url("../images/whyusBg.png");
}

/* Small screens	minimum 880px Normal screens	uses 100vh Huge screens	maximum 900px*/
.split-work {
  height: calc(100vh - var(--nav-h));
  display: flex;
  align-items: flex-start;
  background: right center / cover no-repeat url(../images/workWithUsBg.png);
}

.split-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(232, 235, 239, 0.95) 0%, rgba(232, 235, 239, 0.9) 42%, rgba(232, 235, 239, 0.31) 68%, rgba(232, 235, 239, 0.03) 100%);
}


.split-overlay-white {
    position: absolute;
    inset: 0px;
    background: linear-gradient(90deg, rgb(255 255 255 / 95%) 0%, rgb(255 255 255 / 90%) 42%, rgba(232, 235, 239, 0.31) 68%, rgba(232, 235, 239, 0.03) 100%);
}

.vision-section {
  height: calc(100vh - var(--nav-h));
  display: flex;
  align-items: flex-start;
  background: right center / contain no-repeat url(../images/ourVisionBg.png);
}


.large-points {
  margin: 0;
  padding-left: 1.35rem;
  display: grid;
  gap: 2.3rem;
}

.large-points li {
  font-size: clamp(1.44rem, 1.8vw, 1.87rem);
  line-height: 1.45;
}

#why-us .large-points li {

 font-size: clamp(1.2rem, 1.5vw, 1.56rem);
 line-height: 1.45;
}


.navy,
.navy li,
.big-copy,
.news-item p {
  color: var(--text-navy);
}

.btn-cyan {
  background: var(--cyan);
  color: #fff;
}

.btn-cyan:hover {
  background: #1199ab;
  color: #fff;
}

.how-invest-section {
  min-height: calc(100vh - var(--nav-h));
  background: #fff;
  overflow: visible;
  display: flex;
  align-items: flex-start;
}

.how-invest-section .section-title {
  margin-bottom: 2rem !important;
}

/* Steps: timeline row with animated cards */
.steps {
  --card-h: 200px;
  --pill-h: 100px;
  --edge-gap: 8%;
  --expand-shift: 99px;
  --detail-shift: -86px;
  --card-radius: 42px;
  --pill-radius: 999px;
  --detail-radius: 36px;
  --anim-ease: cubic-bezier(0.2, 0.8, 0.2, 1);
  display: flex;
  align-items: stretch;
  position: relative;
  height: 418px;
  padding: 0;
  gap: 0;
  overflow: hidden;
  padding-right: 20px;
}

.steps::before {
  content: "";
  position: absolute;
  left: 0;
  right: 36px;
  height: 28px;
  background: #f5a623;
  top: 50%;
  transform: translateY(-50%);
  border-radius: 20px;
  z-index: 0;
}

.steps::after {
  content: "";
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  border-left: 46px solid #f5a623;
  border-top: 24px solid transparent;
  border-bottom: 24px solid transparent;
  z-index: 0;
}

.step {
  flex: 1;
  position: relative;
  cursor: pointer;
  z-index: 1;
  background: transparent;
}

.step-btn {
  position: absolute;
  left: var(--edge-gap);
  right: var(--edge-gap);
  height: var(--card-h);
  top: 50%;
  transform: translateY(-50%);
  border-radius: var(--card-radius);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding: 1rem 1.3rem;
  color: #fff;
  box-shadow: 0 16px 20px rgba(0, 0, 0, 0.18);
  transition:
    top 560ms var(--anim-ease),
    bottom 560ms var(--anim-ease),
    transform 560ms var(--anim-ease),
    height 520ms var(--anim-ease),
    border-radius 300ms var(--anim-ease),
    padding 420ms var(--anim-ease),
    gap 420ms var(--anim-ease),
    box-shadow 420ms var(--anim-ease);
  z-index: 2;
  will-change: transform, top, bottom, height;
  backface-visibility: hidden;
}

.step-btn.orange { background: #f5a623; }
.step-btn.blue   { background: #0d2c5a; }

.num {
  font-size: clamp(2.69rem, 3.12vw, 3.48rem);
  font-weight: 700;
  line-height: 1;
  transition: font-size 460ms var(--anim-ease), transform 460ms var(--anim-ease);
}

.title {
  font-size: clamp(1.3rem, 1.49vw, 1.8rem);
  font-weight: 700;
  text-align: center;
  line-height: 1.4;
  transition: font-size 460ms var(--anim-ease), text-align 460ms var(--anim-ease), transform 460ms var(--anim-ease);
}

.step.active .step-btn {
  height: var(--pill-h);
  border-radius: var(--pill-radius);
  flex-direction: row;
  gap: 10px;
  padding: 0 14px;
  justify-content: flex-start;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.2);
}

.step.active .num {
  font-size: 2.52rem;
}

.step .title, .step.active .title {
  font-size: clamp(1.13rem, 1.27vw, 1.27rem);
  text-align: left;
}
.step .title{text-align: center;font-weight: 500;}
.step:nth-child(odd).active .step-btn {
  top: calc(50% - var(--expand-shift));
  bottom: auto;
  transform: translateY(-100%);
}

.step:nth-child(even).active .step-btn {
  top: calc(50% + var(--expand-shift));
  bottom: auto;
  transform: none;
}

.detail {
  position: absolute;
  left: var(--edge-gap);
  right: var(--edge-gap);
  background: #f8f9fb;
  border-radius: var(--detail-radius);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.12);
  opacity: 0;
  pointer-events: none;
  transition: opacity 380ms ease, transform 560ms var(--anim-ease);
  transition-delay: 60ms;
  z-index: 1;
  overflow: hidden;
  will-change: transform, opacity;
  display: flex;
  align-items: center;
}

.step:nth-child(odd) .detail {
  top: calc(50% + var(--detail-shift));
  bottom: 10px;
  transform-origin: top center;
  transform: translateY(-8px) scaleY(0.92);
}

.step:nth-child(odd).active .detail {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0) scaleY(1);
  transition-delay: 120ms;
}

.step:nth-child(even) .detail {
  top: 10px;
  bottom: calc(50% + var(--detail-shift));
  transform-origin: bottom center;
  transform: translateY(8px) scaleY(0.92);
}

.step:nth-child(even).active .detail {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0) scaleY(1);
  transition-delay: 120ms;
}

.step.orange .detail { color: #f5a623; }
.step.blue   .detail { color: #0d2c5a; }

.detail ul {
  margin: 0;
  padding-left: 45px;
  padding-right: 30px;
  list-style: disc;
  width: 100%;
}

.detail li {
  margin-bottom: 30px;
  font-size: clamp(1.06rem, 1.15vw, 1.27rem);
  font-weight: 600;
  line-height: 1.28;
}

.detail li:last-child {
  margin-bottom: 0;
}

.leadership-section {
  min-height: calc(100vh - var(--nav-h));
}

@media (min-width: 1200px) {
  .col-xl-2-4 {
    flex: 0 0 20%;
    max-width: 20%;
  }
}

@keyframes headerSlideUp {
  from {
    transform: translateY(160px);
    opacity: 0;
  }
  to {
    transform: translateY(0);
    opacity: 1;
  }
}

@keyframes bioSlideDown {
  from {
    transform: translateY(-80px);
    opacity: 0;
  }
  to {
    transform: translateY(0);
    opacity: 1;
  }
}

.leader-card {
  position: relative;
  border: 4px solid var(--gold);
  overflow: hidden;
  box-shadow: 0 13px 26px rgba(18, 28, 48, 0.2);
  background: #dfe2e6;
  transition: border-color 900ms ease, box-shadow 900ms ease, min-height 880ms cubic-bezier(0.2, 0.8, 0.2, 1);
}

.leader-card.is-auto-fit:hover {
  min-height: var(--leader-hover-min-height, auto);
}

.leader-photo {
  width: 100%;
  aspect-ratio: 3 / 6.2;
  object-fit: cover;
  object-position: center top;
  display: block;
  transition: opacity 950ms ease;
}

.leader-info {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  top: auto;
  min-height: 32%;
  padding: 0;
  background: linear-gradient(180deg, rgba(8, 46, 102, 0) 0%, rgba(8, 46, 102, 0.08) 56%, rgba(8, 46, 102, 0.52) 76%, rgba(8, 46, 102, 0.93) 90%, rgba(8, 46, 102, 1) 100%);
  color: #fff;
  z-index: 2;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  transition: top 950ms ease, min-height 950ms ease, padding 950ms ease, background 950ms ease;
}

.leader-name {
  margin: 0;
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  padding: 0 1rem 0.9rem;
  background: transparent;
  z-index: 3;
  color: #fff;
  font-weight: 700;
  font-size: clamp(1.25rem, 1.3vw, 1.56rem);
  line-height: 1.3;
  transition: top 950ms ease, bottom 950ms ease;
}

.leader-bio {
  margin: 0;
  padding: 0;
  font-size: clamp(0.8rem, 0.85vw, 0.92rem);
  line-height: 1.38;
  font-weight: 400;
  opacity: 0;
  transform: translateY(-80px);
  color: #ffffff;
  text-align: justify;
  text-wrap: pretty;
  pointer-events: none;
}

.leader-card:hover {
  border-color: transparent;
  box-shadow: none;
}

.leader-card:hover .leader-photo {
  opacity: 0;
}

.leader-card:hover .leader-info {
  top: 0;
  bottom: 0;
  min-height: 100%;
  padding: 0.35rem 0 0;
  background: #eef1f6;
  justify-content: flex-start;
}

.leader-card:hover .leader-name {
  top: 0;
  bottom: auto;
  padding: 0 1rem;
  background: linear-gradient(180deg, #5f7fae 0%, #0e3771 52%, #0a2f64 100%);
  font-size: clamp(1.25rem, 1.3vw, 1.56rem);
  line-height: 1.3;
  
  min-height: 102px;
  display: grid;
  align-content: center;
  text-align: left;
  white-space: normal;
  animation: headerSlideUp 700ms ease forwards;
}

.leader-card:hover .leader-bio {
  color: #0d356c;
  margin-top: 100px;
  padding: 0.12rem 0.85rem 0.8rem;
  font-size: 10.75px;
  line-height: 1.34;
  font-weight: 400;
  overflow: hidden;
  scrollbar-width: none;
  -ms-overflow-style: none;
  animation: bioSlideDown 700ms ease forwards;
  animation-delay: 300ms;
}

.leader-card:hover .leader-bio::-webkit-scrollbar {
  display: none;
}

.in-news-section {
  min-height: calc(100vh - var(--nav-h));
  background-color: white;
  display: flex;
  align-items: flex-start;
}

#newsListView {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 260ms ease, transform 260ms ease;
}

#newsListView.is-hidden {
  opacity: 0;
  transform: translateY(-8px);
}

#newsDetailView {
  opacity: 0;
  transform: translateY(12px);
  transition: opacity 350ms ease, transform 350ms ease;
}

#newsDetailView.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.news-section-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.news-detail-panel {
  font-size: clamp(0.96rem, 1.2vw, 1.25rem);
  line-height: 1.6;
  color: var(--text-navy);
}

.news-detail-panel p,
.news-detail-panel ul {
  margin-bottom: 1.2rem;
}

.news-item {
  display: flex;
  align-items: flex-start;
  gap: 2rem;
}

.news-thumb {
  width: 20%;
  min-width: 144px;
  flex-shrink: 0;
  min-height: 152px;
  object-fit: cover;
}

.news-body {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.news-item p {
  margin: 0;
  font-size: clamp(1.2rem, 1.5vw, 1.56rem);
  line-height: 1.45;
}

.news-link {
  margin-top: auto;
  margin-left: auto;
  color: var(--gold);
  font-size: clamp(0.94rem, 0.98vw, 1.06rem);
  font-weight: 500;
  text-decoration: none;
}

.news-link:hover {
  color: #cb8812;
}

.big-copy {
  font-size: clamp(1.2rem, 1.5vw, 1.56rem);
  line-height: 1.45;
}

.faq-section {
  min-height: calc(100vh - var(--nav-h));
  background: center / cover no-repeat url("../images/FAQBG.png");
}

.faq-category-list {
  display: grid;
  gap: 1.8rem;
  opacity: 1;
  transform: translateY(0);
  transition: opacity 260ms ease, transform 260ms ease;
}

.faq-category-list a {text-decoration: none;}

.faq-category-list.is-hidden {
  opacity: 0;
  transform: translateY(-8px);
  pointer-events: none;
}

.faq-cat {
  border: 0;
  border-radius: 999px;
  background: #f3f4f6;
  color: var(--text-navy);
  box-shadow: 0 13px 20px rgba(20, 24, 35, 0.14);
  padding: 1.35rem 2rem;
  font-size: clamp(1.03rem, 1.73vw, 2.33rem);
  font-weight: 600;
  text-align: left;
  display: flex;
  align-items: center;
  justify-content: space-between;
  transition: background 180ms ease, color 180ms ease, box-shadow 180ms ease;
}

.faq-cat:hover {
  background: #052861;
  color: #f2f4fa;
  opacity: .98;
}

.faq-cat .arrow {
  font-size: clamp(1.68rem, 2.52vw, 3.6rem);
  transition: color 180ms ease;
}

.faq-content-view[hidden] {
  display: none !important;
}

.faq-content-view {
  opacity: 0;
  transform: translateY(14px) scale(0.985);
  max-height: 0;
  overflow: hidden;
  pointer-events: none;
  transition: opacity 340ms ease, transform 340ms ease, max-height 420ms ease;
}

.faq-content-view.is-visible {
  opacity: 1;
  transform: translateY(0) scale(1);
  max-height: 6000px;
  pointer-events: auto;
}

.faq-topic-panel {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 260ms ease, transform 260ms ease;
}

.faq-topic-panel.is-fading {
  opacity: 0;
  transform: translateY(8px);
}

.faq-tax-card {
  background: rgba(255, 255, 255, 0.9);
  border-radius: 22px;
  padding: clamp(1rem, 2.2vw, 2rem);
  color: #1b3d76;
  box-shadow: 0 14px 32px rgba(19, 35, 68, 0.12);
}

.faq-tax-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
}

.faq-tax-title {
  margin: 0 0 1rem;
  color: #e9a329;
  font-size: clamp(2.04rem, 3.24vw, 3.24rem);

  font-weight: 500;
}

.faq-home-link {
  border: 0;
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: #f0a826;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 auto;
  cursor: pointer;
}

.faq-home-link svg {
  width: 26px;
  height: 26px;
  fill: #fff;
}

.faq-tax-card p,
.faq-tax-card h3 {
  margin: 0 0 1rem;
}

.faq-tax-card p {
  font-size: clamp(1.34rem, 1.82vw, 1.54rem);
  line-height: 1.5;
}

.faq-tax-card h3 {
  font-size: clamp(1.61rem, 2.16vw, 2.28rem);
  text-decoration: underline;
  font-weight: 700;
}

.faq-subhead {
  font-style: italic;
  text-decoration: underline;
  margin-top: 0.25rem;
}

.faq-table-wrap {
  overflow-x: auto;
  margin-bottom: 1.2rem;
}

.faq-tax-table {
  width: 100%;
  min-width: 760px;
  border-collapse: collapse;
  border: 3px solid #163f7b;
  color: #173f79;
}

.faq-tax-table th,
.faq-tax-table td {
  border: 2px solid #163f7b;
  padding: 0.65rem 0.85rem;
  vertical-align: top;
  font-size: clamp(1.3rem, 1.61vw, 1.56rem);
}

.faq-tax-table th {
  font-weight: 700;
}

.faq-rich-content {
  color: #173f79;
}

.faq-qa {
  margin-bottom: 1.45rem;
}

.faq-qa h4 {
  margin: 0 0 0.45rem;
  font-size: clamp(1.44rem, 1.82vw, 1.94rem);
  font-weight: 700;
  color: #143c76;
}

.faq-qa p {
  margin: 0;
  font-size: clamp(1.32rem, 1.61vw, 1.51rem);
  line-height: 1.55;
}

.faq-investment-content {
  max-height: 68vh;
  overflow: auto;
  padding-right: 0.35rem;
}

.faq-misc-content {
  max-height: 68vh;
  overflow: auto;
  padding-right: 0.35rem;
}

.faq-compare-table td:first-child,
.faq-compare-table th:first-child {
  width: 28%;
  font-weight: 700;
}

.faq-source {
  margin-top: 0.7rem;
  font-size: 1.32rem !important;
  font-weight: 600;
}

.other-faqs-title {
  margin-top: 1.2rem;
  color: #e9a329;
  text-decoration: none;
}

.other-faq-list {
  display: grid;
  gap: 1rem;
  margin-top: 0.8rem;
}

.other-faq-btn {
  border: 0;
  border-radius: 999px;
  background: #f6f7f9;
  color: #163f7b;
  box-shadow: 0 13px 20px rgba(20, 24, 35, 0.14);
  padding: 1rem 1.5rem;
  font-size: clamp(1.46rem, 2.16vw, 2.4rem);
  font-weight: 700;
  text-align: left;
  display: flex;
  align-items: center;
  justify-content: space-between;
  transition: background 180ms ease, color 180ms ease, box-shadow 180ms ease;
}

.other-faq-btn:hover {
  background: #32548c;
  color: #f2f4fa;
}

.other-faq-btn .arrow {
  font-size: 2.4rem;
  line-height: 1;
  transition: color 180ms ease;
}

.other-faq-btn:hover .arrow {
  color: #f2f4fa;
}

.app-footer {
  background: #0a2f6b;
  color: #f4f7ff;
}

.footer-brand {
  display: inline-flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.4rem;
  text-decoration: none;
}

.footer-logo {
  width: clamp(149.76px, 12.672vw, 216.576px);
  height: auto;
}

.footer-brand-wordmark {
  font-size: clamp(1.6rem, 2.2vw, 2.8rem);
  line-height: 0.95;
  font-weight: 600;
  color: #f4f7ff;
}

.footer-brand-wordmark .gold {
  color: var(--gold);
}

.footer-head {
  color: #f6f8ff;
  font-size: clamp(1.05rem, 1.2vw, 1.35rem);
  font-weight: 500;
  text-decoration: underline;
  text-underline-offset: 0.18em;
  margin: 0 0 1rem;
}

.footer-links {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.85rem;
}

.footer-links a,
.footer-highlight-copy,
.footer-tagline,
.footer-copy,
.footer-read-more {
  color: #f1f5ff;
}

.footer-links a,
.footer-highlight-copy,
.footer-tagline {
  font-size: clamp(0.9rem, 0.9vw, 1.0rem);
  line-height: 1.45;
  text-decoration: none;
  margin: 0;
}
.footer-copy {
  font-size: clamp(1rem, 1vw, 1.1rem);
  line-height: 1.45;
  text-decoration: none;
  margin: 0;
}

.footer-ifsca {
  font-size: clamp(0.7rem, 0.7vw, 1.0rem);
  text-decoration: none;
  margin: 0;
}

.footer-tagline {
  margin-top: 1.5rem;
}

.footer-copy {
  margin-top: 2rem;
}

.footer-highlight-copy {
  max-width: 20ch;
}

.footer-read-more {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  margin-top: 1.25rem;
  font-size: clamp(0.9rem, 1.0vw, 1.4rem);
  text-decoration: none;
  font-weight: 500;
}

.footer-social-row {
  margin-top: 2.1rem;
  
  align-items: center;
  gap: 1.1rem;
  color: #f3f6ff;
  font-size: clamp(0.9rem, 0.9vw, 1.14rem);
}

.footer-social-icons {
  display: flex;
  align-items: center;
  gap: 0.95rem;
}

.footer-social-icons a {
  color: #f3f6ff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.05rem;
  height: 2.05rem;
  font-size: 1.5rem;
  text-decoration: none;
}

.footer-links a:hover,
.footer-read-more:hover,
.footer-social-icons a:hover {
  color: #fff;
}

@media (max-width: 1599.98px) {
  .brand-wordmark {
    font-size: 1.6rem;
  }

  .navbar .nav-link {
    font-size: 1rem;
  }

}


@media (max-width: 1199.98px) {
  .section {
    min-height: auto;
  }

  .steps {
    height: 418px;
  }

  .step-btn {
    height: 175px;
  }

  .split-overlay {
    background: linear-gradient(90deg, rgba(232, 235, 239, 0.95) 0%, rgba(232, 235, 239, 0.85) 55%, rgba(232, 235, 239, 0.55) 100%);
  }

  .footer-social-row {
    margin-top: 1.55rem;
  }
}

@media (max-width: 991.98px) {
  .brand-wordmark {
    font-size: 1.4rem;
  }

  .brand-logo {
    width: 58px;
  }

  .hero-section {
    min-height: 85vh;
  }

  .steps {
    flex-direction: column;
    height: auto;
    overflow: visible;
    padding: 1.5rem 0;
    gap: 0.6rem;
  }

  .steps::before,
  .steps::after {
    display: none;
  }

  .step-btn .title br { display: none; }

  /* On mobile each step is a normal-flow block */
  .step {
    width: 100%;
    min-height: 90px;
  }

  .step-btn {
    /* switch back to in-flow positioning */
    position: relative;
    left: auto;
    right: auto;
    top: auto;
    bottom: auto;
    transform: none;
    width: 100%;
    height: auto;
    min-height: 90px;
    padding: 1.1rem 1.5rem;
    border-radius: 16px;
    transition: border-radius 0.35s ease;
  }

  .step.active {
    min-height: auto;
  }

  /* Override desktop nth-child active positioning — these have higher specificity (0,4,0)
     than .step.active .step-btn (0,3,0), so they must be cancelled here explicitly */
  .step:nth-child(odd).active .step-btn,
  .step:nth-child(even).active .step-btn {
    top: auto;
    bottom: auto;
    transform: none;
  }

  .step.active .step-btn {
    top: auto;
    bottom: auto;
    height: auto;
    min-height: auto;
    border-radius: 999px;
    flex-direction: row;
    gap: 12px;
    padding: 0.9rem 1.5rem;
    justify-content: flex-start;
    transform: none;
  }

  /* Reset ALL absolute detail positioning for mobile.
     nth-child detail rules also have (0,4,0) specificity — cancel them here */
  .step:nth-child(odd) .detail,
  .step:nth-child(even) .detail {
    top: auto !important;
    bottom: auto !important;
    transform: none !important;
  }

  .detail {
    position: relative;
    top: auto !important;
    bottom: auto !important;
    left: auto;
    right: auto;
    width: 100%;
    border-radius: 16px;
    margin-top: 8px;
    padding-top: 15px;
    padding-bottom: 15px;
    max-height: 0;
    overflow: hidden;
    opacity: 0;
    pointer-events: none;
    transition: max-height 0.4s ease, opacity 0.35s ease;
  }

  .step.active .detail {
    max-height: 500px;
    opacity: 1;
    pointer-events: auto;
    margin-bottom: 20px;
  }

  .faq-cat {
    font-size: 1.62rem;
  }

  .news-item {
    flex-direction: column;
  }

  .news-item .news-thumb {
    width: 100%;
    min-width: 0;
  }

  .news-link {
    margin-left: 0;
  }

  .footer-brand-wordmark {
    font-size: clamp(1.6rem, 2.2vw, 2.8rem);
  }

  .footer-head {
    font-size: clamp(1.05rem, 1.2vw, 1.35rem);
  }

  .footer-links a,
  .footer-highlight-copy,
  .footer-tagline {
    font-size: clamp(0.9rem, 0.9vw, 1.0rem);
  }

  .footer-social-row {
    flex-wrap: wrap;
    gap: 0.8rem;
  }

  .footer-social-icons a {
    width: 1.8rem;
    height: 1.8rem;
  }
}

@media (max-width: 575.98px) {
  :root {
    --nav-h: 76px;
  }

  .app-navbar {
    min-height: 76px;
  }

  main {
    padding-top: 76px;
  }

  html {
    scroll-padding-top: 76px;
  }

  .hero-points,
  .large-points {
    gap: 0.9rem;
  }

  .btn-pill {
    width: 100%;
    text-align: center;
  }
}

/* ================================================
   Legal / Policy Pages
   ================================================ */

.policy-page {
  padding-top: var(--nav-h, 80px);
  min-height: 100vh;
  background: #f5f7fa;
}

.policy-container {
  max-width: 860px;
  margin: 0 auto;
  padding: 3rem 1.5rem 4rem;
}

.policy-title-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 0.4rem;
}

.policy-title {
  font-size: clamp(2.16rem, 3vw, 3.36rem);
  font-weight: 500;
  letter-spacing: 0.2px;
  color: var(--gold);
  margin-bottom: 0;
}

.policy-updated {
  font-size: 0.85rem;
  color: #6c757d;
  margin-bottom: 2.5rem;
}

.policy-body p,
.policy-body li {
  font-size: clamp(1.2rem, 1.5vw, 1.56rem);
  line-height: 1.75;
  color: #2c3e50;
}

.policy-body h2 {
  font-size: clamp(1.4rem, 2vw, 1.9rem);
  font-weight: 500;
  letter-spacing: 0.2px;
  color: var(--gold);
  margin-top: 2rem;
  margin-bottom: 0.6rem;
}

.policy-body h3 {
  font-size: clamp(1.2rem, 1.6vw, 1.5rem);
  font-weight: 500;
  letter-spacing: 0.2px;
  color: var(--gold);
  margin-top: 1.4rem;
  margin-bottom: 0.4rem;
}

.policy-body ul {
  padding-left: 1.4rem;
  margin-bottom: 1rem;
}

.policy-body ul li {
  margin-bottom: 0.3rem;
}

.policy-body a {
  color: var(--gold, #c9a84c);
  text-decoration: underline;
}

.policy-body a:hover {
  color: var(--cyan, #00c0c0);
}

.policy-body .legal-caps {
  font-size: clamp(0.8rem, 0.95vw, 0.88rem);
  line-height: 1.65;
  color: #2c3e50;
}

.policy-divider {
  border: none;
  border-top: 1px solid #d0d8e4;
  margin: 1.5rem 0;
}

.risk-factor-block {
  border-left: 3px solid var(--gold, #c9a84c);
  padding-left: 1rem;
  margin-bottom: 1.5rem;
}

.faqs p{margin-bottom: 15px;}
.unlisted-margin{padding-left:50px}
.unl-margin{padding-left:50px}
.step-main{}

.faq-category-list a{text-decoration: none; color:#163f7b}
.faq-category-list a:hover{color:#fff}
.policy-body .section-title{font-size: clamp(2.16rem, 3vw, 3.36rem) !important}