:root{
    --navy:#0B2545;
    --blue:#1D4E89;
    --steel:#4C7EA8;
    --paper:#F6F8FB;
    --ink:#161B22;
    --line:#DFE5EC;
    --white:#FFFFFF;
    --mono-grey:#6B7480;
    --ease:cubic-bezier(.22,.61,.36,1);
    --maxw:1180px;
  }

  *{box-sizing:border-box; margin:0; padding:0;}
  html{scroll-behavior:smooth;}
  body{
    font-family:'Inter', sans-serif;
    color:var(--ink);
    background:var(--paper);
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
    overflow-x:hidden;
  }
  h1,h2,h3,h4{
    font-family:'Spectral', serif;
    color:var(--navy);
    line-height:1.18;
    font-weight:600;
    letter-spacing:-0.005em;
  }
  a{color:inherit; text-decoration:none;}
  img{max-width:100%; display:block;}
  .wrap{max-width:var(--maxw); margin:0 auto; padding:0 32px;}
  .eyebrow{
    font-family:'Spectral', serif;
    font-style:italic;
    font-weight:500;
    font-size:16px;
    letter-spacing:0.01em;
    color:var(--blue);
    display:flex;
    align-items:center;
    gap:10px;
    margin-bottom:18px;
    animation:fadeSlideIn .8s var(--ease) both;
  }
  .eyebrow::before{
    content:"";
    width:22px; height:1px;
    background:var(--blue);
    display:inline-block;
  }

  /* reveal on scroll */
  .reveal{opacity:0; transform:translateY(22px); transition:opacity .7s var(--ease), transform .7s var(--ease);}
  .reveal.is-visible{opacity:1; transform:translateY(0);}

  @keyframes fadeSlideIn{ from{opacity:0; transform:translateY(-6px);} to{opacity:1; transform:translateY(0);} }
  @keyframes floatBlob{ 0%,100%{transform:translate(0,0) scale(1);} 50%{transform:translate(-16px,18px) scale(1.05);} }
  @keyframes gradientShift{ 0%{background-position:0% 50%;} 50%{background-position:100% 50%;} 100%{background-position:0% 50%;} }
  @keyframes popIn{ 0%{transform:scale(1);} 45%{transform:scale(1.28);} 100%{transform:scale(1);} }
  @keyframes logoFadeIn{ from{opacity:0; transform:scale(.85) rotate(-4deg);} to{opacity:1; transform:scale(1) rotate(0);} }
  @keyframes countPulse{ from{opacity:0; transform:translateY(6px);} to{opacity:1; transform:translateY(0);} }

  @media (prefers-reduced-motion: reduce){
    .reveal{opacity:1 !important; transform:none !important; transition:none !important;}
    html{scroll-behavior:auto;}
    *{animation-duration:0.001ms !important; animation-iteration-count:1 !important; transition-duration:0.001ms !important;}
  }

  /* ---------- HEADER ---------- */
  header{
    position:fixed; top:0; left:0; right:0; z-index:100;
    background:rgba(246,248,251,0.0);
    transition:background .35s var(--ease), box-shadow .35s var(--ease), padding .35s var(--ease), backdrop-filter .35s var(--ease);
    padding:13px 0;
  }
  header.scrolled{
    background:rgba(255,255,255,0.88);
    backdrop-filter:blur(10px);
    box-shadow:0 1px 0 var(--line);
    padding:8px 0;
  }
  header .wrap{display:flex; align-items:center; justify-content:space-between;}
  .logo{display:flex; align-items:center; gap:12px;}
  .logo-icon{flex-shrink:0; display:block; border-radius:9px; animation:logoFadeIn .8s var(--ease) both; transition:transform .4s var(--ease);}
  .logo:hover .logo-icon{transform:scale(1.08) rotate(-3deg);}
  .logo-badge{
    display:inline-flex; align-items:center; justify-content:center;
    width:44px; height:44px; border-radius:12px; background:#fff; flex-shrink:0;
    transition:transform .4s var(--ease);
  }
  .logo:hover .logo-badge{transform:scale(1.08) rotate(-3deg);}
  .logo:hover .logo-badge .logo-icon{transform:none;}
  .logo-text{font-family:'Spectral',serif; font-weight:600; font-size:17px; color:var(--navy); line-height:1.1;}
  .logo-text span{display:block; font-family:'Inter',sans-serif; font-weight:500; font-size:9.5px; letter-spacing:0.14em; color:var(--mono-grey); text-transform:uppercase; margin-top:3px;}

  nav ul{list-style:none; display:flex; gap:26px; align-items:center;}
  nav a{font-size:14px; font-weight:500; color:var(--ink); position:relative; padding:4px 0; transition:color .25s var(--ease);}
  nav a::after{content:""; position:absolute; left:0; bottom:0; width:0; height:1.5px; background:var(--blue); transition:width .3s var(--ease);}
  nav a:hover{color:var(--blue);}
  nav a:hover::after{width:100%;}
  nav a.active{color:var(--blue);}
  nav a.active::after{width:100%;}

  .btn{
    display:inline-flex; align-items:center; justify-content:center; gap:8px;
    font-family:'Inter',sans-serif; font-weight:600; font-size:14px;
    padding:13px 26px; border-radius:999px; cursor:pointer; border:1px solid transparent;
    transition:transform .3s var(--ease), box-shadow .3s var(--ease), background .3s var(--ease), border-color .3s var(--ease);
    white-space:nowrap; position:relative; overflow:hidden;
  }
  .btn::before{
    content:""; position:absolute; top:0; left:-60%; width:50%; height:100%;
    background:linear-gradient(120deg, transparent, rgba(255,255,255,0.35), transparent);
    transform:skewX(-20deg); transition:left .6s var(--ease);
  }
  .btn:hover::before{left:120%;}
  .btn:active{transform:scale(0.96) !important;}
  .btn-primary{background:var(--navy); color:#fff;}
  .btn-primary:hover{background:var(--blue); transform:translateY(-2px); box-shadow:0 10px 24px rgba(11,37,69,0.25);}
  .btn-ghost{background:transparent; border-color:var(--line); color:var(--navy);}
  .btn-ghost:hover{border-color:var(--blue); color:var(--blue); transform:translateY(-2px);}
  .nav-cta{display:flex; align-items:center; gap:16px;}
  .nav-cta .btn{padding:10px 20px; font-size:13.5px;}
  .menu-toggle{display:none;}

  /* ---------- HERO ---------- */
  .hero{
    padding:155px 0 110px;
    position:relative;
    overflow:hidden;
  }
  .hero::before{
    content:"";
    position:absolute; top:-220px; right:-160px;
    width:640px; height:640px; border-radius:50%;
    background:radial-gradient(circle at 30% 30%, rgba(76,126,168,0.16), rgba(76,126,168,0) 70%);
    pointer-events:none;
    animation:floatBlob 9s ease-in-out infinite;
  }
  .hero-grid{
    display:grid; grid-template-columns:1.05fr 0.95fr; gap:60px; align-items:center;
  }
  .hero h1{
    font-size:clamp(34px, 4.4vw, 56px);
    margin-bottom:22px;
  }
  .hero h1 em{
    font-style:normal;
    background:linear-gradient(92deg, var(--blue), var(--steel));
    -webkit-background-clip:text; background-clip:text; color:transparent;
  }
  .hero p.lead{
    font-size:17.5px; color:#3B4453; max-width:480px; margin-bottom:34px;
  }
  .hero-ctas{display:flex; gap:16px; flex-wrap:wrap;}

  /* ---------- PAGE HERO (subpages) ---------- */
  .page-hero{
    padding:155px 0 90px;
    position:relative;
    overflow:hidden;
    text-align:center;
  }
  .page-hero::before{
    content:"";
    position:absolute; top:-220px; left:50%; transform:translateX(-50%);
    width:640px; height:640px; border-radius:50%;
    background:radial-gradient(circle at 50% 30%, rgba(76,126,168,0.14), rgba(76,126,168,0) 70%);
    pointer-events:none;
    animation:floatBlob 9s ease-in-out infinite;
  }
  .page-hero .eyebrow{justify-content:center;}
  .page-hero h1{font-size:clamp(32px, 4.4vw, 50px); max-width:760px; margin:0 auto 22px;}
  .page-hero p.lead{font-size:17.5px; color:#3B4453; max-width:620px; margin:0 auto 34px;}
  .page-hero .hero-ctas{justify-content:center;}

  /* signature: compliance ledger */
  .ledger{
    background:#fff; border:1px solid var(--line); border-radius:16px;
    box-shadow:0 24px 60px -20px rgba(11,37,69,0.22);
    overflow:hidden;
    transition:transform .45s var(--ease), box-shadow .45s var(--ease), border-color .45s var(--ease);
  }
  .ledger:hover{
    transform:translateY(-8px);
    box-shadow:0 34px 76px -18px rgba(11,37,69,0.32);
    border-color:var(--steel);
  }
  .ledger-head{
    display:flex; align-items:center; justify-content:space-between;
    padding:18px 22px; border-bottom:1px solid var(--line);
    background:linear-gradient(180deg, #FBFCFE, #F6F8FB);
  }
  .ledger-head .title{
    font-family:'Spectral',serif; font-weight:600; font-size:15.5px; color:var(--navy);
    animation:titleGlow 3.2s ease-in-out infinite;
  }
  .ledger-head .tag{
    font-family:'Inter',sans-serif; font-weight:600; font-size:11px; letter-spacing:0.03em; color:var(--blue);
    background:rgba(29,78,137,0.08); padding:5px 12px 5px 10px; border-radius:999px;
    display:inline-flex; align-items:center; gap:6px;
  }
  .live-dot{
    width:7px; height:7px; border-radius:50%; background:var(--blue); flex-shrink:0; position:relative;
  }
  .live-dot::before{
    content:""; position:absolute; inset:-5px; border-radius:50%; background:var(--blue);
    animation:livePulse 1.8s ease-out infinite;
  }
  @keyframes livePulse{ 0%{transform:scale(0.5); opacity:.55;} 75%{transform:scale(2); opacity:0;} 100%{opacity:0;} }
  @keyframes titleGlow{ 0%,100%{text-shadow:0 0 0 rgba(29,78,137,0);} 50%{text-shadow:0 0 12px rgba(29,78,137,0.28);} }
  .ledger-rows{padding:6px 0;}
  .ledger-row{
    display:flex; align-items:center; gap:14px;
    padding:14px 22px; border-bottom:1px solid #EEF1F5;
    opacity:0.35; transform:translateX(-6px);
    transition:opacity .5s var(--ease), transform .5s var(--ease);
  }
  .ledger-row:last-child{border-bottom:none;}
  .ledger-row.checked{opacity:1; transform:translateX(0);}
  .ledger-code{
    font-family:'Inter',sans-serif; font-weight:500; font-size:11px; color:var(--mono-grey);
    width:26px; flex-shrink:0;
  }
  .ledger-box{
    width:20px; height:20px; border-radius:999px; border:1.5px solid var(--line);
    flex-shrink:0; display:flex; align-items:center; justify-content:center;
    transition:background .35s var(--ease), border-color .35s var(--ease);
    color:#fff;
  }
  .ledger-row.checked .ledger-box{background:var(--blue); border-color:var(--blue); animation:popIn .5s var(--ease);}
  .ledger-box svg{width:11px; height:11px; opacity:0; transition:opacity .25s var(--ease) .1s;}
  .ledger-row.checked .ledger-box svg{opacity:1;}
  .ledger-label{font-size:13.5px; color:var(--ink); font-weight:500;}
  .ledger-domain{font-size:11.5px; color:var(--mono-grey); font-style:italic;}
  .ledger-foot{
    padding:16px 22px; display:flex; align-items:center; justify-content:space-between;
    background:#FBFCFE;
  }
  .ledger-foot .status{font-size:12px; color:var(--mono-grey);}
  .ledger-foot .rating{
    font-family:'Inter',sans-serif; font-size:12px; font-weight:600;
    color:#1B7F4C; background:rgba(27,127,76,0.09); padding:6px 13px; border-radius:999px;
  }

  /* ---------- SECTION SHELL ---------- */
  section{padding:112px 0;}
  .section-head{max-width:640px; margin-bottom:56px;}
  .section-head h2{font-size:clamp(26px, 3vw, 38px);}
  .section-head p{color:#3B4453; font-size:16px; margin-top:14px;}

  /* ---------- SECTION MEDIA (reusable framed photo) ---------- */
  .section-media{
    border-radius:18px; overflow:hidden; border:1px solid var(--line);
    box-shadow:0 24px 60px -20px rgba(11,37,69,0.22);
    transition:transform .45s var(--ease), box-shadow .45s var(--ease), border-color .45s var(--ease);
  }
  .section-media img{
    width:100%; height:100%; object-fit:cover; display:block;
    transition:transform .7s var(--ease);
  }
  .section-media:hover{
    transform:translateY(-8px);
    box-shadow:0 34px 76px -18px rgba(11,37,69,0.32);
    border-color:var(--steel);
  }
  .section-media:hover img{transform:scale(1.07);}

  /* text + photo pairing used by "Our Virtual Services" head */
  .section-head-grid{
    display:grid; grid-template-columns:1.05fr 0.95fr; gap:50px; align-items:center;
    margin-bottom:56px;
  }
  .section-head-grid .section-head{margin-bottom:0; max-width:none;}
  .section-head-grid .section-media{aspect-ratio:4/3;}

  /* full-width horizontal banner variant (e.g. "Why Choose Us") */
  .section-media-banner{
    width:100%; aspect-ratio:21/8; margin-top:48px;
  }
  .page-hero .section-media-banner{margin-bottom:40px;}
  @media (max-width:640px){
    .section-media-banner{aspect-ratio:4/3;}
  }

  /* ---------- PROBLEM ---------- */
  .problem{background:var(--navy); color:#fff;}
  .problem .eyebrow{color:var(--steel);}
  .problem .eyebrow::before{background:var(--steel);}
  .problem h2{color:#fff; max-width:720px;}
  .problem-grid{
    display:grid; grid-template-columns:repeat(3,1fr); gap:1px;
    background:rgba(255,255,255,0.12);
    margin-top:52px; border-radius:14px; overflow:hidden;
  }
  .problem-cell{background:#0E2C50; padding:34px 30px; transition:transform .4s var(--ease), background .4s var(--ease);}
  .problem-cell:hover{background:#123362; transform:translateY(-4px);}
  .problem-cell .num{font-family:'Spectral',serif; font-style:italic; font-weight:500; color:var(--steel); font-size:14.5px; margin-bottom:14px; display:block;}
  .problem-cell h3{color:#fff; font-size:17px; margin-bottom:10px;}
  .problem-cell p{color:#A9B8CC; font-size:14.5px;}
  .problem-grid .problem-cell:nth-child(1){transition-delay:.05s;}
  .problem-grid .problem-cell:nth-child(2){transition-delay:.15s;}
  .problem-grid .problem-cell:nth-child(3){transition-delay:.25s;}

  .prose-copy{max-width:720px; margin-top:24px;}
  .prose-copy p{color:#C7D3E3; font-size:16px; margin-bottom:16px; line-height:1.75;}
  .prose-copy p:first-child{color:#fff; font-size:20px; font-family:'Spectral',serif; font-style:italic; font-weight:500;}
  .prose-light{max-width:720px; margin-top:20px;}
  .prose-light p{color:#3B4453; font-size:16px; margin-bottom:14px; line-height:1.75;}

  /* centered content block (One Partner, etc.) */
  .centered-block{text-align:center; max-width:760px; margin:0 auto;}
  .centered-block .eyebrow{justify-content:center;}
  .centered-block p{color:#3B4453; font-size:17px; margin:20px 0 34px; line-height:1.7;}

  /* ---------- MEET US (photo + copy) ---------- */
  .meet-us-grid{
    display:grid; grid-template-columns:0.95fr 1.05fr; gap:60px; align-items:center;
  }
  .meet-us-grid .section-media{aspect-ratio:4/3;}
  .meet-us-grid .about-copy{margin-top:0;}

  /* ---------- SERVICES ---------- */
  .services-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:26px;}
  .service-card{
    background:#fff; border:1px solid var(--line); border-radius:14px; padding:32px 28px;
    transition:transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
    position:relative; overflow:hidden;
  }
  .service-card::before{
    content:""; position:absolute; top:0; left:0; width:100%; height:3px;
    background:linear-gradient(90deg, var(--blue), var(--steel));
    transform:scaleX(0); transform-origin:left; transition:transform .4s var(--ease);
  }
  .service-card:hover{transform:translateY(-6px); box-shadow:0 20px 40px -18px rgba(11,37,69,0.22); border-color:transparent;}
  .service-card:hover::before{transform:scaleX(1);}
  .service-icon{
    width:44px; height:44px; border-radius:14px;
    background:rgba(29,78,137,0.08); color:var(--blue);
    display:flex; align-items:center; justify-content:center; margin-bottom:20px;
    transition:transform .45s var(--ease), background .45s var(--ease), color .45s var(--ease);
  }
  .service-card:hover .service-icon{transform:rotate(-8deg) scale(1.1); background:var(--blue); color:#fff;}
  .service-card h3{font-size:18.5px; margin-bottom:10px;}
  .service-card p{font-size:14.5px; color:#4A5566;}
  .service-code{
    position:absolute; top:20px; right:24px;
    font-family:'Spectral',serif; font-style:italic; font-size:13px; color:#C3CBD6;
  }
  .services-grid .service-card:nth-child(1){transition-delay:.04s;}
  .services-grid .service-card:nth-child(2){transition-delay:.1s;}
  .services-grid .service-card:nth-child(3){transition-delay:.16s;}
  .services-grid .service-card:nth-child(4){transition-delay:.22s;}
  .services-grid .service-card:nth-child(5){transition-delay:.28s;}
  .services-grid .service-card:nth-child(6){transition-delay:.34s;}

  .read-more{display:inline-flex; align-items:center; gap:6px; font-weight:600; font-size:13.5px; color:var(--blue); margin-top:14px; transition:gap .3s var(--ease);}
  .read-more svg{width:13px; height:13px; transition:transform .3s var(--ease);}
  .read-more:hover{gap:10px;}
  .read-more:hover svg{transform:translateX(2px);}

  /* ---------- FEATURE BLOCKS (detailed service teasers) ---------- */
  .feature-grid{display:grid; grid-template-columns:repeat(2,1fr); gap:26px; margin-top:52px;}
  .feature-block{
    background:#fff; border:1px solid var(--line); border-radius:16px; padding:38px 34px;
    position:relative; overflow:hidden;
    transition:transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
    display:flex; flex-direction:column;
  }
  .feature-block::before{
    content:""; position:absolute; top:0; left:0; width:100%; height:3px;
    background:linear-gradient(90deg, var(--blue), var(--steel));
    transform:scaleX(0); transform-origin:left; transition:transform .4s var(--ease);
  }
  .feature-block:hover{transform:translateY(-6px); box-shadow:0 22px 46px -20px rgba(11,37,69,0.22); border-color:transparent;}
  .feature-block:hover::before{transform:scaleX(1);}
  .feature-code{
    position:absolute; top:26px; right:30px;
    font-family:'Spectral',serif; font-style:italic; font-size:14px; color:#C3CBD6;
  }
  .feature-icon{
    width:48px; height:48px; border-radius:14px;
    background:rgba(29,78,137,0.08); color:var(--blue);
    display:flex; align-items:center; justify-content:center; margin-bottom:22px;
    transition:transform .45s var(--ease), background .45s var(--ease), color .45s var(--ease);
  }
  .feature-block:hover .feature-icon{transform:rotate(-8deg) scale(1.08); background:var(--blue); color:#fff;}
  .feature-block h3{font-size:21px; margin-bottom:14px;}
  .feature-block p{font-size:14.5px; color:#4A5566; margin-bottom:10px;}
  .feature-tagline{
    font-family:'Spectral',serif; font-style:italic; font-weight:600; color:var(--navy);
    font-size:15.5px; margin:14px 0 22px !important;
  }
  .feature-block .btn{margin-top:auto; align-self:flex-start;}
  .feature-grid .feature-block:nth-child(1){transition-delay:.04s;}
  .feature-grid .feature-block:nth-child(2){transition-delay:.12s;}
  .feature-grid .feature-block:nth-child(3){transition-delay:.2s;}
  .feature-grid .feature-block:nth-child(4){transition-delay:.28s;}

  /* ---------- CHECKLIST (Why Choose Us bullets) ---------- */
  .checklist-grid{display:grid; grid-template-columns:repeat(2,1fr); gap:18px 32px; margin-top:44px;}
  .checklist-item{
    display:flex; align-items:center; gap:14px;
    font-family:'Spectral',serif; font-weight:500; font-size:16.5px; color:var(--navy);
    padding:16px 20px; background:#fff; border:1px solid var(--line); border-radius:12px;
    transition:transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);
  }
  .checklist-item:hover{transform:translateX(6px); border-color:var(--steel); box-shadow:0 12px 26px -16px rgba(11,37,69,0.18);}
  .check-ico{
    width:28px; height:28px; border-radius:999px; background:rgba(29,78,137,0.1); color:var(--blue);
    display:flex; align-items:center; justify-content:center; flex-shrink:0;
  }
  .checklist-grid .checklist-item:nth-child(1){transition-delay:.03s;}
  .checklist-grid .checklist-item:nth-child(2){transition-delay:.08s;}
  .checklist-grid .checklist-item:nth-child(3){transition-delay:.13s;}
  .checklist-grid .checklist-item:nth-child(4){transition-delay:.18s;}
  .checklist-grid .checklist-item:nth-child(5){transition-delay:.23s;}
  .checklist-grid .checklist-item:nth-child(6){transition-delay:.28s;}

  /* ---------- CONTACT FORM ---------- */
  .contact-form{
    background:#fff; border:1px solid var(--line); border-radius:16px; padding:36px;
    display:flex; flex-direction:column; gap:20px;
  }
  .form-row{display:grid; grid-template-columns:1fr 1fr; gap:18px;}
  .contact-form label{display:flex; flex-direction:column; gap:8px; font-size:12.5px; font-weight:600; color:var(--navy); text-transform:uppercase; letter-spacing:0.05em;}
  .contact-form input, .contact-form textarea{
    font-family:'Inter',sans-serif; font-size:15px; font-weight:400; color:var(--ink); text-transform:none; letter-spacing:normal;
    padding:12px 14px; border:1px solid var(--line); border-radius:10px; background:var(--paper); resize:vertical;
    transition:border-color .3s var(--ease), box-shadow .3s var(--ease);
  }
  .contact-form input:focus, .contact-form textarea:focus{outline:none; border-color:var(--blue); box-shadow:0 0 0 3px rgba(29,78,137,0.12);}
  .contact-form button{align-self:center; margin-top:4px;}
  .form-note{font-size:13px; color:var(--mono-grey); margin-top:-8px; text-align:center;}
  .contact-form h3{text-align:center;}

  /* ---------- ABOUT ---------- */
  .about{background:#fff;}
  .about-grid{display:grid; grid-template-columns:0.9fr 1.1fr; gap:70px; align-items:center;}
  .about-visual{
    background:var(--paper); border:1px solid var(--line); border-radius:16px; padding:40px;
  }
  .kloe-list{display:flex; flex-direction:column; gap:0;}
  .kloe-item{display:flex; align-items:baseline; gap:16px; padding:16px 10px; border-bottom:1px solid var(--line); border-radius:8px; transition:background .3s var(--ease), padding-left .3s var(--ease);}
  .kloe-item:hover{background:rgba(29,78,137,0.05); padding-left:16px;}
  .kloe-item:last-child{border-bottom:none;}
  .kloe-item .k-code{font-family:'Spectral',serif; font-style:italic; font-size:13px; color:var(--blue); width:20px;}
  .kloe-item .k-name{font-family:'Spectral',serif; font-weight:600; font-size:16px; color:var(--navy); width:110px; flex-shrink:0;}
  .kloe-item .k-desc{font-size:13.5px; color:#5A6474;}
  .about-copy .eyebrow{margin-top:0;}
  .about-copy h2{margin-bottom:20px;}
  .about-copy p{color:#3B4453; font-size:16px; margin-bottom:18px;}
  .about-stats{display:flex; gap:40px; margin-top:32px;}
  .about-stat .n{font-family:'Spectral',serif; font-weight:700; font-size:32px; color:var(--navy); display:block;}
  .about-stat .l{font-size:13px; color:var(--mono-grey);}

  /* ---------- WHY US ---------- */
  .why{background:var(--paper);}
  .why-grid{display:grid; grid-template-columns:repeat(4,1fr); gap:26px;}
  .why-card{padding:6px 0; position:relative; transition:transform .35s var(--ease);}
  .why-card::before{
    content:""; position:absolute; left:-13px; top:6px; bottom:6px; width:1px;
    background:#111318; opacity:.2;
  }
  .why-grid .why-card:first-child::before{display:none;}
  .why-card:hover{transform:translateY(-4px);}
  .why-card .idx{
    font-family:'Spectral',serif; font-style:italic; font-size:13px; color:var(--steel);
    border:1px solid var(--line); border-radius:50%; width:32px; height:32px;
    display:flex; align-items:center; justify-content:center; margin-bottom:18px; background:#fff;
    transition:transform .4s var(--ease), background .4s var(--ease), color .4s var(--ease), border-color .4s var(--ease);
  }
  .why-card:hover .idx{transform:rotate(360deg); background:var(--blue); color:#fff; border-color:var(--blue);}
  .why-card h3{font-size:16.5px; margin-bottom:10px;}
  .why-card p{font-size:14px; color:#4A5566;}
  .why-grid .why-card:nth-child(1){transition-delay:.04s;}
  .why-grid .why-card:nth-child(2){transition-delay:.1s;}
  .why-grid .why-card:nth-child(3){transition-delay:.16s;}
  .why-grid .why-card:nth-child(4){transition-delay:.22s;}

  /* ---------- CTA BANNER ---------- */
  .cta-band{
    background:linear-gradient(120deg, var(--navy), var(--blue), var(--steel), var(--navy));
    background-size:300% 300%;
    animation:gradientShift 10s ease infinite;
    color:#fff; border-radius:20px; padding:64px 60px;
    display:flex; align-items:center; justify-content:space-between; gap:40px;
    position:relative; overflow:hidden;
    cursor:pointer; text-decoration:none;
    transition:transform .4s var(--ease), box-shadow .4s var(--ease);
  }
  .cta-band:hover{transform:translateY(-5px); box-shadow:0 32px 64px -18px rgba(11,37,69,0.4);}
  .cta-band::after{
    content:""; position:absolute; inset:0;
    background:radial-gradient(circle at 85% 20%, rgba(255,255,255,0.14), transparent 55%);
  }
  .cta-band h2{color:#fff; font-size:clamp(22px,2.6vw,32px); max-width:480px; position:relative;}
  .cta-band .cta-tag{font-family:'Spectral',serif; font-style:italic; color:#BFD3EA; font-size:14.5px; margin-bottom:10px; display:block; position:relative;}
  .cta-band p{color:#C9D6E6; margin-top:10px; font-size:15px; position:relative;}
  .cta-band .btn-primary{background:#fff; color:var(--navy); position:relative; transition:background .3s var(--ease), box-shadow .3s var(--ease), transform .3s var(--ease);}
  .cta-band:hover .btn-primary{background:#EAF0F7; box-shadow:0 16px 36px rgba(0,0,0,0.3); transform:translateY(-3px) scale(1.03);}
  .cta-band .btn-primary .cta-arrow{display:inline-flex; transition:transform .35s var(--ease);}
  .cta-band:hover .btn-primary .cta-arrow{transform:translateX(5px);}

  .section-tagline{font-family:'Spectral',serif; font-style:italic; font-weight:600; color:var(--navy); font-size:18px; margin-top:16px;}

  /* ---------- CONTACT ---------- */
  .contact-grid{display:grid; grid-template-columns:1fr 1fr; gap:60px;}
  .contact-copy h2{margin-bottom:18px;}
  .contact-copy p{color:#3B4453; font-size:16px; margin-bottom:8px;}
  .contact-cards{display:flex; flex-direction:column; gap:16px;}
  .contact-card{
    display:flex; align-items:center; gap:16px;
    background:#fff; border:1px solid var(--line); border-radius:12px; padding:22px 24px;
    transition:transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);
  }
  .contact-card:hover{transform:translateX(4px); box-shadow:0 14px 30px -16px rgba(11,37,69,0.2); border-color:var(--steel);}
  .contact-icon{
    width:42px; height:42px; border-radius:999px; background:rgba(29,78,137,0.08); color:var(--blue);
    display:flex; align-items:center; justify-content:center; flex-shrink:0;
    transition:transform .4s var(--ease), background .4s var(--ease), color .4s var(--ease);
  }
  .contact-card:hover .contact-icon{transform:scale(1.12); background:var(--blue); color:#fff;}
  .contact-card .c-label{font-size:12px; color:var(--mono-grey); text-transform:uppercase; letter-spacing:0.06em; font-family:'Inter',sans-serif; font-weight:600;}
  .contact-card .c-value{font-family:'Spectral',serif; font-weight:600; font-size:16px; color:var(--navy);}

  /* ---------- FOOTER ---------- */
  footer{background:var(--navy); color:#B9C5D6; padding:64px 0 34px;}
  .footer-grid{display:grid; grid-template-columns:1.4fr 1fr 1fr; gap:50px; padding-bottom:44px; border-bottom:1px solid rgba(255,255,255,0.12);}
  .footer-brand .logo-text, .footer-brand .logo-text span{color:#fff;}
  .footer-brand p{margin-top:16px; font-size:14px; color:#93A2B8; max-width:280px;}
  .social-row{display:flex; gap:10px; margin-top:20px;}
  .social-icon{
    width:36px; height:36px; border-radius:999px; background:rgba(255,255,255,0.08); color:#B9C5D6;
    display:flex; align-items:center; justify-content:center;
    transition:background .3s var(--ease), color .3s var(--ease), transform .3s var(--ease);
  }
  .social-icon:hover{background:var(--blue); color:#fff; transform:translateY(-3px);}
  .footer-col h4{color:#fff; font-size:13px; text-transform:uppercase; letter-spacing:0.08em; font-family:'Inter',sans-serif; font-weight:600; margin-bottom:18px;}
  .footer-col ul{list-style:none; display:flex; flex-direction:column; gap:12px;}
  .footer-col a{font-size:14.5px; color:#B9C5D6; transition:color .25s var(--ease), transform .25s var(--ease); display:inline-block;}
  .footer-col a:hover{color:#fff; transform:translateX(4px);}

  .footer-contacts{gap:20px;}
  .footer-contacts li{display:flex; align-items:flex-start; gap:12px;}
  .footer-contacts .fc-icon{
    width:30px; height:30px; border-radius:999px; background:rgba(255,255,255,0.08); color:#B9C5D6;
    display:flex; align-items:center; justify-content:center; flex-shrink:0; margin-top:1px;
    transition:background .3s var(--ease), color .3s var(--ease);
  }
  .footer-contacts li:hover .fc-icon{background:var(--blue); color:#fff;}
  .footer-contacts .fc-body{display:flex; flex-direction:column; gap:3px;}
  .footer-contacts .fc-label{
    font-family:'Inter',sans-serif; font-size:11px; font-weight:600; text-transform:uppercase;
    letter-spacing:0.06em; color:#7C8CA3;
  }
  .footer-contacts .fc-value{font-size:14.5px; color:#B9C5D6;}

  .footer-bottom{display:flex; justify-content:space-between; align-items:center; padding-top:26px; font-size:13px; color:#7C8CA3;}
  .footer-bottom-link {
    color: inherit;
    text-decoration: none;
    transition: color 0.3s;
  }
  .footer-bottom-link:hover { color: var(--steel); }

  /* ---------- SCROLL TO TOP ---------- */
  .scroll-top-btn{
    position:fixed; right:26px; bottom:26px; z-index:90;
    width:48px; height:48px; border-radius:999px; border:none; cursor:pointer;
    background:var(--blue); color:#fff;
    display:flex; align-items:center; justify-content:center;
    box-shadow:0 12px 28px -8px rgba(11,37,69,0.4);
    opacity:0; visibility:hidden; transform:translateY(14px) scale(.9);
    transition:opacity .35s var(--ease), transform .35s var(--ease), visibility .35s, background .3s var(--ease);
  }
  .scroll-top-btn.visible{opacity:1; visibility:visible; transform:translateY(0) scale(1);}
  .scroll-top-btn:hover{background:var(--steel); transform:translateY(-4px) scale(1.05);}
  .scroll-top-btn:active{transform:scale(0.92);}

  /* ---------- RESPONSIVE ---------- */
  @media (max-width:960px){
    nav, .nav-cta .btn-ghost{display:none;}
    .hero-grid, .about-grid, .contact-grid, .section-head-grid, .meet-us-grid{grid-template-columns:1fr;}
    .meet-us-grid{gap:36px;}
    .meet-us-grid .section-media{order:-1;}
    .problem-grid, .why-grid{grid-template-columns:repeat(2,1fr);}
    .services-grid, .feature-grid{grid-template-columns:repeat(2,1fr);}
    .cta-band{flex-direction:column; align-items:flex-start; text-align:left;}
    .footer-grid{grid-template-columns:1fr 1fr;}
    .checklist-grid{grid-template-columns:1fr;}
    .why-grid .why-card::before{display:none;}
    .why-grid .why-card:nth-child(even)::before{display:block;}
  }
  @media (max-width:640px){
    .wrap{padding:0 20px;}
    .hero{padding:125px 0 70px;}
    .page-hero{padding:125px 0 60px;}
    .problem-grid, .why-grid, .services-grid, .feature-grid{grid-template-columns:1fr;}
    .footer-grid{grid-template-columns:1fr;}
    .cta-band{padding:44px 28px;}
    .about-visual{padding:24px;}
    .kloe-item{flex-wrap:wrap;}
    .form-row{grid-template-columns:1fr;}
    .why-grid .why-card::before{
      left:0; right:0; top:-13px; bottom:auto; width:auto; height:1px;
      display:block;
    }
    .why-grid .why-card:first-child::before{display:none;}
  }

  /* ---------- LEGAL / POLICY PAGES ---------- */
  .legal{padding:10px 0 96px;}
  .legal-grid{display:grid; grid-template-columns:270px 1fr; gap:56px; align-items:start;}
  .legal-updated{
    display:inline-flex; align-items:center; gap:9px; margin-top:6px;
    font-size:12.5px; font-weight:600; letter-spacing:0.06em; text-transform:uppercase;
    color:var(--blue); background:rgba(29,78,137,0.07);
    border:1px solid rgba(29,78,137,0.18); border-radius:999px; padding:7px 16px;
  }
  .legal-updated-dot{width:7px; height:7px; border-radius:999px; background:var(--blue); display:inline-block;}

  .legal-toc{position:sticky; top:84px;}
  .legal-toc h4{
    font-family:'Inter',sans-serif; font-size:12px; font-weight:600; text-transform:uppercase;
    letter-spacing:0.09em; color:var(--mono-grey); margin-bottom:6px;
  }
  .legal-toc ol{list-style:none; display:flex; flex-direction:column; margin-top:14px;}
  .legal-toc a{
    display:block; padding:8px 0 8px 16px; font-size:14px; color:#4A5566;
    border-left:2px solid var(--line);
    transition:color .25s var(--ease), border-color .25s var(--ease), padding-left .25s var(--ease);
  }
  .legal-toc a:hover{color:var(--blue); border-left-color:var(--blue); padding-left:22px;}

  .legal-body{
    background:#fff; border:1px solid var(--line); border-radius:18px;
    padding:54px 58px; box-shadow:0 26px 60px -34px rgba(11,37,69,0.22);
  }
  .legal-intro{
    font-size:16.5px; color:#3B4453; margin-bottom:6px; padding-bottom:28px;
    border-bottom:1px solid var(--line);
  }
  .legal-body h2{font-size:clamp(21px, 2.2vw, 26px); margin:46px 0 14px; scroll-margin-top:90px;}
  .legal-body h2:first-of-type{margin-top:34px;}
  .legal-body h3{
    font-family:'Inter',sans-serif; font-size:13px; font-weight:600; text-transform:uppercase;
    letter-spacing:0.08em; color:var(--blue); margin:28px 0 10px;
  }
  .legal-body p{font-size:15.5px; color:#4A5566; margin-bottom:14px;}
  .legal-body a{color:var(--blue); text-decoration:underline; text-decoration-thickness:1px; text-underline-offset:2px;}
  .legal-body a:hover{color:var(--navy);}
  .legal-list{list-style:none; display:flex; flex-direction:column; gap:11px; margin:0 0 20px;}
  .legal-list li{position:relative; padding-left:22px; font-size:15.5px; color:#4A5566;}
  .legal-list li::before{
    content:""; position:absolute; left:0; top:9px; width:7px; height:7px;
    border-radius:999px; background:var(--steel);
  }
  .legal-card{
    background:var(--paper); border:1px solid var(--line); border-left:3px solid var(--blue);
    border-radius:12px; padding:24px 26px; margin:22px 0 26px;
  }
  .legal-card h3{margin:0 0 16px; color:var(--navy);}
  .legal-contact{list-style:none; display:flex; flex-direction:column; gap:13px;}
  .legal-contact li{display:flex; flex-wrap:wrap; align-items:baseline; gap:2px 18px;}
  .legal-contact li > span:first-child{
    flex:0 0 160px; font-family:'Inter',sans-serif; font-size:11px; font-weight:600;
    text-transform:uppercase; letter-spacing:0.07em; color:var(--mono-grey);
  }
  .legal-contact a{color:var(--blue); text-decoration:none; font-weight:500; font-size:15.5px;}
  .legal-contact a:hover{text-decoration:underline;}
  .legal-contact-value{font-family:'Spectral',serif; font-weight:600; font-size:15.5px; color:var(--navy);}

  .legal-table-wrap{overflow-x:auto; margin:22px 0 26px; border:1px solid var(--line); border-radius:12px;}
  .legal-table{width:100%; border-collapse:collapse; min-width:520px;}
  .legal-table th{
    text-align:left; background:var(--paper); color:var(--navy); font-family:'Inter',sans-serif;
    font-size:11.5px; font-weight:600; text-transform:uppercase; letter-spacing:0.07em;
    padding:14px 18px; border-bottom:1px solid var(--line); white-space:nowrap;
  }
  .legal-table td{padding:14px 18px; border-bottom:1px solid var(--line); font-size:14.5px; color:#4A5566; vertical-align:top;}
  .legal-table tbody tr:last-child td{border-bottom:none;}
  .legal-table tbody tr:hover td{background:#FBFCFE;}

  .legal-footnote{
    margin-top:36px; padding-top:20px; border-top:1px solid var(--line);
    font-size:13.5px; font-style:italic; color:var(--mono-grey); margin-bottom:0;
  }

  .footer-legal-links{display:inline-flex; align-items:center; gap:10px;}
  .footer-link-sep{color:#5A6B85;}
  .footer-bottom{flex-wrap:wrap; gap:10px 18px;}

  /* ---------- COOKIE BANNER ---------- */
  .cookie-banner{
    position:fixed; left:22px; right:22px; bottom:22px; z-index:120; margin:0 auto; max-width:1180px;
    background:#fff; border:1px solid var(--line); border-radius:18px;
    box-shadow:0 30px 70px -26px rgba(11,37,69,0.45);
    padding:22px 26px; display:flex; align-items:center; gap:26px;
    opacity:0; visibility:hidden; transform:translateY(26px);
    transition:opacity .45s var(--ease), transform .45s var(--ease), visibility .45s;
  }
  .cookie-banner.show{opacity:1; visibility:visible; transform:translateY(0);}
  body.cookie-banner-visible .scroll-top-btn{opacity:0; visibility:hidden; transform:translateY(14px) scale(.9);}
  .cookie-banner p{font-size:14px; color:#4A5566; margin:0;}
  .cookie-banner a{color:var(--blue); text-decoration:underline; text-underline-offset:2px;}
  .cookie-banner a:hover{color:var(--navy);}
  .cookie-actions{display:flex; gap:10px; margin-left:auto; flex-shrink:0;}
  .cookie-actions .btn{padding:11px 22px; font-size:13.5px;}

  @media (max-width:960px){
    .legal-grid{grid-template-columns:1fr; gap:30px;}
    .legal-toc{position:static; background:#fff; border:1px solid var(--line); border-radius:16px; padding:22px 24px;}
    .legal-toc ol{margin-top:12px;}
    .cookie-banner{flex-direction:column; align-items:flex-start; gap:18px;}
    .cookie-actions{margin-left:0; flex-wrap:wrap;}
  }
  @media (max-width:640px){
    .legal-body{padding:32px 24px;}
    .legal-contact li > span:first-child{flex:0 0 100%;}
    .footer-bottom{flex-direction:column; align-items:flex-start; text-align:left;}
    .cookie-banner{left:12px; right:12px; bottom:12px; padding:20px;}
    .cookie-actions{width:100%;}
    .cookie-actions .btn{flex:1 1 auto; justify-content:center;}
  }