*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  :root {
    --navy: #0B2545;
    --navy-mid: #163A6B;
    --navy-light: #1E4D8C;
    --gold: #C9922A;
    --gold-light: #E8B04B;
    --gold-pale: #FBF0DC;
    --cream: #FAF8F4;
    --white: #FFFFFF;
    --text: #1A2332;
    --text-muted: #5A6478;
    --text-light: #8A96A8;
    --border: #E2E8F0;
    --border-dark: #C8D4E4;
    --success: #1A6B4A;
    --success-bg: #E8F5EF;
  }

  html { scroll-behavior: smooth; }

  body {
    font-family: 'DM Sans', sans-serif;
    color: var(--text);
    background: var(--cream);
    font-size: 15px;
    line-height: 1.65;
  }

  /* ── TOP BAR ── */
  .top-bar {
    background: var(--navy);
    color: rgba(255,255,255,0.65);
    font-size: 12px;
    padding: 7px 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  .top-bar .inner {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 28px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
  }
  .top-bar a { color: rgba(255,255,255,0.65); text-decoration: none; }
  .top-bar a:hover { color: var(--gold-light); }
  .top-links { display: flex; gap: 20px; align-items: center; }
  .lang-switch { display: flex; gap: 8px; }
  .lang-switch span {
    cursor: pointer;
    padding: 2px 8px;
    border-radius: 3px;
    font-size: 11px;
    font-weight: 500;
    letter-spacing: 0.5px;
  }
  .lang-switch span.active {
    background: var(--gold);
    color: #fff;
  }

  /* ── HEADER ── */
  header {
    background: var(--white);
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 12px rgba(11,37,69,0.07);
  }
  .header-inner {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 28px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
    gap: 24px;
  }
  .logo-wrap {
    display: flex;
    align-items: center;
    gap: 14px;
    text-decoration: none;
    flex-shrink: 0;
  }
  .logo-emblem {
    width: 48px;
    height: 48px;
    background: var(--navy);
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
  }
  .logo-emblem svg { width: 32px; height: 32px; }
  .logo-text { line-height: 1.2; }
  .logo-text strong {
    display: block;
    font-size: 14.5px;
    font-weight: 600;
    color: var(--navy);
    font-family: 'DM Sans', sans-serif;
    letter-spacing: -0.1px;
  }
  .logo-text small {
    display: block;
    font-size: 11.5px;
    color: var(--text-muted);
    font-weight: 400;
  }
  nav { display: flex; gap: 4px; align-items: center; }
  nav a {
    text-decoration: none;
    color: var(--text-muted);
    font-size: 14px;
    font-weight: 500;
    padding: 6px 13px;
    border-radius: 5px;
    transition: all 0.18s;
    white-space: nowrap;
  }
  nav a:hover, nav a.active {
    color: var(--navy);
    background: rgba(11,37,69,0.06);
  }
  nav a.active { color: var(--navy); }
  .header-actions { display: flex; gap: 10px; align-items: center; flex-shrink: 0; }
  .btn {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 9px 20px;
    border-radius: 6px;
    font-size: 13.5px;
    font-weight: 500;
    cursor: pointer;
    text-decoration: none;
    transition: all 0.18s;
    border: none;
    font-family: 'DM Sans', sans-serif;
  }
  .btn-outline {
    background: transparent;
    color: var(--navy);
    border: 1.5px solid var(--border-dark);
  }
  .btn-outline:hover { border-color: var(--navy); background: rgba(11,37,69,0.04); }
  .btn-primary {
    background: var(--navy);
    color: #fff;
  }
  .btn-primary:hover { background: var(--navy-light); }
  .btn-gold {
    background: var(--gold);
    color: #fff;
  }
  .btn-gold:hover { background: var(--gold-light); }

  /* ── HERO ── */
  .hero {
    background: var(--navy);
    position: relative;
    overflow: hidden;
    padding: 88px 0 72px;
  }
  .hero::before {
    content: '';
    position: absolute;
    top: -80px; right: -80px;
    width: 520px; height: 520px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(201,146,42,0.14) 0%, transparent 70%);
    pointer-events: none;
  }
  .hero::after {
    content: '';
    position: absolute;
    bottom: -120px; left: 10%;
    width: 400px; height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255,255,255,0.04) 0%, transparent 70%);
    pointer-events: none;
  }
  .hero-grid {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 28px;
    display: grid;
    grid-template-columns: 1fr 380px;
    gap: 60px;
    align-items: center;
  }
  .hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    background: rgba(201,146,42,0.18);
    color: var(--gold-light);
    font-size: 12px;
    font-weight: 500;
    padding: 5px 14px;
    border-radius: 20px;
    letter-spacing: 0.5px;
    margin-bottom: 22px;
    border: 1px solid rgba(201,146,42,0.25);
  }
  .hero-badge .dot {
    width: 6px; height: 6px;
    border-radius: 50%;
    background: var(--gold-light);
    animation: pulse 2s infinite;
  }
  @keyframes pulse {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.4; }
  }
  .hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: 50px;
    font-weight: 700;
    color: #fff;
    line-height: 1.12;
    margin-bottom: 20px;
    letter-spacing: -0.5px;
  }
  .hero h1 em {
    font-style: normal;
    color: var(--gold-light);
  }
  .hero p {
    color: rgba(255,255,255,0.68);
    font-size: 16px;
    line-height: 1.7;
    max-width: 490px;
    margin-bottom: 34px;
  }
  .hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }
  .hero-btns .btn-primary {
    background: var(--gold);
    padding: 12px 26px;
    font-size: 14.5px;
  }
  .hero-btns .btn-primary:hover { background: var(--gold-light); }
  .hero-btns .btn-outline {
    color: rgba(255,255,255,0.85);
    border-color: rgba(255,255,255,0.25);
    padding: 12px 26px;
    font-size: 14.5px;
  }
  .hero-btns .btn-outline:hover {
    border-color: rgba(255,255,255,0.55);
    background: rgba(255,255,255,0.07);
  }

  /* Login Card in Hero */
  .hero-card {
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: 14px;
    padding: 32px 28px;
    backdrop-filter: blur(10px);
  }
  .hero-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 20px;
    font-weight: 600;
    color: #fff;
    margin-bottom: 6px;
  }
  .hero-card > p {
    color: rgba(255,255,255,0.55);
    font-size: 13px;
    margin-bottom: 22px;
  }
  .form-field { margin-bottom: 14px; }
  .form-field label {
    display: block;
    font-size: 12px;
    font-weight: 500;
    color: rgba(255,255,255,0.6);
    margin-bottom: 6px;
    letter-spacing: 0.3px;
  }
  .form-field input, .form-field select {
    width: 100%;
    padding: 10px 13px;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: 7px;
    color: #fff;
    font-size: 14px;
    font-family: 'DM Sans', sans-serif;
    transition: border-color 0.18s;
    outline: none;
  }
  .form-field input::placeholder { color: rgba(255,255,255,0.3); }
  .form-field input:focus, .form-field select:focus {
    border-color: var(--gold-light);
    background: rgba(255,255,255,0.11);
  }
  .form-field select { color: rgba(255,255,255,0.6); }
  .form-field select option { background: var(--navy); color: #fff; }
  .hero-card .btn-gold {
    width: 100%;
    justify-content: center;
    padding: 11px;
    font-size: 14.5px;
    margin-top: 6px;
    border-radius: 7px;
  }
  .login-divider {
    text-align: center;
    color: rgba(255,255,255,0.3);
    font-size: 12px;
    margin: 14px 0;
    position: relative;
  }
  .login-divider::before, .login-divider::after {
    content: '';
    position: absolute;
    top: 50%;
    width: 40%;
    height: 1px;
    background: rgba(255,255,255,0.12);
  }
  .login-divider::before { left: 0; }
  .login-divider::after { right: 0; }
  .register-link {
    text-align: center;
    font-size: 13px;
    color: rgba(255,255,255,0.5);
  }
  .register-link a { color: var(--gold-light); text-decoration: none; }
  .register-link a:hover { text-decoration: underline; }

  /* ── STATS ── */
  .stats-bar {
    background: var(--white);
    border-bottom: 1px solid var(--border);
  }
  .stats-inner {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 28px;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    divide-x: 1px solid var(--border);
  }
  .stat-item {
    padding: 26px 0;
    text-align: center;
    border-right: 1px solid var(--border);
  }
  .stat-item:last-child { border-right: none; }
  .stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 36px;
    font-weight: 700;
    color: var(--navy);
    line-height: 1;
    margin-bottom: 5px;
  }
  .stat-num span { color: var(--gold); }
  .stat-label {
    font-size: 13px;
    color: var(--text-muted);
    font-weight: 400;
  }

  /* ── SECTION ── */
  .section {
    max-width: 1180px;
    margin: 0 auto;
    padding: 72px 28px;
  }
  .section-header { margin-bottom: 48px; }
  .section-tag {
    display: inline-block;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 10px;
  }
  .section-header h2 {
    font-family: 'Playfair Display', serif;
    font-size: 34px;
    font-weight: 700;
    color: var(--navy);
    line-height: 1.18;
    margin-bottom: 12px;
  }
  .section-header p {
    color: var(--text-muted);
    font-size: 15.5px;
    max-width: 540px;
    line-height: 1.65;
  }

  /* ── FEATURE CARDS ── */
  .features-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 22px;
  }
  .feature-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 30px 28px;
    transition: box-shadow 0.22s, border-color 0.22s;
    cursor: pointer;
  }
  .feature-card:hover {
    box-shadow: 0 8px 28px rgba(11,37,69,0.1);
    border-color: var(--border-dark);
  }
  .feature-icon {
    width: 50px; height: 50px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
    font-size: 22px;
  }
  .icon-navy { background: rgba(11,37,69,0.08); }
  .icon-gold { background: var(--gold-pale); }
  .icon-teal { background: #E5F5F0; }
  .icon-success { background: var(--success-bg); }
  .feature-card h3 {
    font-size: 17px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 8px;
    font-family: 'DM Sans', sans-serif;
  }
  .feature-card p {
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.6;
    margin-bottom: 20px;
  }
  .feature-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 7px;
  }
  .feature-list li {
    display: flex;
    align-items: flex-start;
    gap: 9px;
    font-size: 13.5px;
    color: var(--text-muted);
  }
  .feature-list li::before {
    content: '';
    width: 5px;
    height: 5px;
    border-radius: 50%;
    background: var(--gold);
    flex-shrink: 0;
    margin-top: 8px;
  }
  .feature-more {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    margin-top: 18px;
    font-size: 13.5px;
    font-weight: 500;
    color: var(--navy-light);
    text-decoration: none;
    transition: gap 0.18s;
  }
  .feature-more:hover { gap: 9px; }

  /* ── HOW IT WORKS ── */
  .how-bg { background: var(--white); }
  .steps-row {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    position: relative;
  }
  .steps-row::before {
    content: '';
    position: absolute;
    top: 28px;
    left: calc(12.5% + 14px);
    right: calc(12.5% + 14px);
    height: 1.5px;
    background: linear-gradient(to right, var(--border), var(--gold-light), var(--border));
  }
  .step {
    padding: 0 20px;
    text-align: center;
    position: relative;
  }
  .step-num {
    width: 56px; height: 56px;
    border-radius: 50%;
    background: var(--white);
    border: 2px solid var(--border);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 18px;
    font-family: 'Playfair Display', serif;
    font-size: 20px;
    font-weight: 700;
    color: var(--navy);
    position: relative;
    z-index: 1;
    transition: all 0.22s;
  }
  .step:hover .step-num {
    background: var(--navy);
    color: #fff;
    border-color: var(--navy);
  }
  .step h4 {
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 8px;
  }
  .step p {
    font-size: 13.5px;
    color: var(--text-muted);
    line-height: 1.6;
  }

  /* ── CTA SPLIT ── */
  .cta-split {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 22px;
  }
  .cta-card {
    border-radius: 14px;
    padding: 40px 36px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    min-height: 280px;
  }
  .cta-card.navy {
    background: var(--navy);
    color: #fff;
  }
  .cta-card.gold {
    background: var(--gold);
    color: #fff;
  }
  .cta-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 26px;
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 10px;
  }
  .cta-card p { font-size: 14.5px; opacity: 0.78; line-height: 1.6; margin-bottom: 0; }
  .cta-card .btn {
    align-self: flex-start;
    margin-top: 28px;
    padding: 11px 24px;
    font-size: 14px;
  }
  .cta-card.navy .btn {
    background: var(--gold);
    color: #fff;
  }
  .cta-card.gold .btn {
    background: rgba(255,255,255,0.22);
    color: #fff;
    border: 1.5px solid rgba(255,255,255,0.4);
  }
  .cta-card.gold .btn:hover { background: rgba(255,255,255,0.35); }

  /* ── NEWS ── */
  .news-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
  }
  .news-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 11px;
    overflow: hidden;
    transition: box-shadow 0.22s;
    cursor: pointer;
  }
  .news-card:hover { box-shadow: 0 6px 22px rgba(11,37,69,0.09); }
  .news-thumb {
    height: 164px;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 36px;
    position: relative;
    overflow: hidden;
  }
  .news-thumb::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(to bottom, transparent 50%, rgba(0,0,0,0.25));
  }
  .news-body { padding: 20px 20px 22px; }
  .news-meta {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 10px;
  }
  .news-tag {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.6px;
    color: var(--gold);
    text-transform: uppercase;
  }
  .news-date { font-size: 12px; color: var(--text-light); }
  .news-card h4 {
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 8px;
    line-height: 1.4;
  }
  .news-card p { font-size: 13.5px; color: var(--text-muted); line-height: 1.6; }

  /* ── PARTNER LOGOS ── */
  .partners-bg { background: var(--navy); padding: 50px 0; }
  .partners-inner {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 28px;
    text-align: center;
  }
  .partners-inner p {
    font-size: 12.5px;
    font-weight: 500;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: rgba(255,255,255,0.35);
    margin-bottom: 28px;
  }
  .partner-logos {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
  }
  .partner-pill {
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 8px;
    padding: 10px 22px;
    font-size: 13px;
    font-weight: 500;
    color: rgba(255,255,255,0.55);
    white-space: nowrap;
  }

  /* ── FOOTER ── */
  footer {
    background: #07182E;
    color: rgba(255,255,255,0.5);
    font-size: 13.5px;
  }
  .footer-main {
    max-width: 1180px;
    margin: 0 auto;
    padding: 56px 28px 40px;
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 44px;
  }
  .footer-brand .logo-wrap { margin-bottom: 16px; }
  .footer-brand .logo-wrap strong { color: rgba(255,255,255,0.85); }
  .footer-brand .logo-wrap small { color: rgba(255,255,255,0.4); }
  .footer-brand p { font-size: 13.5px; line-height: 1.65; margin-bottom: 20px; }
  .footer-col h5 {
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 1.2px;
    text-transform: uppercase;
    color: rgba(255,255,255,0.6);
    margin-bottom: 14px;
  }
  .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 9px; }
  .footer-col ul li a {
    color: rgba(255,255,255,0.45);
    text-decoration: none;
    font-size: 13.5px;
    transition: color 0.18s;
  }
  .footer-col ul li a:hover { color: var(--gold-light); }
  .footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    max-width: 1180px;
    margin: 0 auto;
    padding: 18px 28px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: 12.5px;
  }
  .footer-bottom-links { display: flex; gap: 18px; }
  .footer-bottom-links a { color: rgba(255,255,255,0.35); text-decoration: none; }
  .footer-bottom-links a:hover { color: var(--gold-light); }

  /* ── DASHBOARD PREVIEW ── */
  .dashboard-preview {
    background: var(--navy);
    border-radius: 14px;
    padding: 24px;
    border: 1px solid rgba(255,255,255,0.1);
  }
  .dash-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 20px;
  }
  .dash-title { color: rgba(255,255,255,0.85); font-size: 14px; font-weight: 600; }
  .dash-sub { color: rgba(255,255,255,0.4); font-size: 12px; }
  .dash-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-bottom: 12px;
  }
  .dash-kpi {
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 8px;
    padding: 14px 16px;
  }
  .dash-kpi-val {
    font-family: 'Playfair Display', serif;
    font-size: 26px;
    font-weight: 700;
    color: #fff;
    margin-bottom: 3px;
  }
  .dash-kpi-val.gold { color: var(--gold-light); }
  .dash-kpi-val.green { color: #4ECBA0; }
  .dash-kpi-label { font-size: 11px; color: rgba(255,255,255,0.4); }
  .dash-bar-row { display: flex; flex-direction: column; gap: 8px; margin-top: 12px; }
  .bar-item { display: flex; flex-direction: column; gap: 4px; }
  .bar-top { display: flex; justify-content: space-between; align-items: center; }
  .bar-name { font-size: 11px; color: rgba(255,255,255,0.5); }
  .bar-pct { font-size: 11px; font-weight: 600; color: rgba(255,255,255,0.75); }
  .bar-track {
    height: 5px;
    background: rgba(255,255,255,0.08);
    border-radius: 3px;
    overflow: hidden;
  }
  .bar-fill {
    height: 100%;
    border-radius: 3px;
    background: var(--gold);
    transition: width 0.8s ease;
  }
  .bar-fill.teal { background: #4ECBA0; }
  .bar-fill.light { background: rgba(255,255,255,0.4); }

  /* ── ANNOUNCEMENT BANNER ── */
  .announcement {
    background: var(--gold-pale);
    border-bottom: 1px solid rgba(201,146,42,0.25);
  }
  .announcement-inner {
    max-width: 1180px;
    margin: 0 auto;
    padding: 10px 28px;
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 13.5px;
  }
  .ann-badge {
    background: var(--gold);
    color: #fff;
    font-size: 11px;
    font-weight: 600;
    padding: 2px 10px;
    border-radius: 20px;
    letter-spacing: 0.4px;
    white-space: nowrap;
    flex-shrink: 0;
  }
  .announcement-inner p { color: var(--text); }
  .announcement-inner a { color: var(--gold); font-weight: 500; text-decoration: none; }
  .ann-close {
    margin-left: auto;
    cursor: pointer;
    color: var(--text-light);
    font-size: 18px;
    line-height: 1;
    flex-shrink: 0;
  }
  /* Divider */
  .divider { height: 1px; background: var(--border); max-width: 1180px; margin: 0 auto; }