:root {
  --ink: #0b2545;
  --navy-dark: #061a2d;
  --blue: #176b87;
  --blue-light: #EEF7F9;
  --sky: #f0f7f9;
  --gold: #d9a441;
  --gold-hover: #c49132;
  --muted: #536474;
  --card-border: #dbe7e9;
  --white: #ffffff;
  --radius: 10px;
  --transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: 'Plus Jakarta Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--ink);
  background-color: #fcfdfe;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.wrap {
  width: min(1140px, 92%);
  margin: auto;
}

/* Header & Dynamic Active Navigation */
.top {
  padding: 1.1rem 0;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  position: sticky;
  top: 0;
  z-index: 1000;
  border-bottom: 1px solid rgba(219, 231, 233, 0.8);
}

.top .wrap, .nav, .foot .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}

.brand-container {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.brand-icon {
  width: 40px;
  height: 40px;
  background: var(--ink);
  color: var(--gold);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(11, 37, 69, 0.15);
}

.brand {
  text-decoration: none;
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--ink);
  letter-spacing: -0.02em;
}

.brand span {
  display: block;
  font-size: 0.68rem;
  color: var(--blue);
  letter-spacing: 0.18em;
  font-weight: 700;
  margin-top: -2px;
}

.nav {
  display: flex;
  gap: 1.8rem;
}

.nav a {
  text-decoration: none;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--ink);
  transition: color 0.25s ease;
  position: relative;
  padding: 0.4rem 0;
}

.nav a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 50%;
  width: 0;
  height: 3px;
  background: var(--gold);
  border-radius: 3px;
  transform: translateX(-50%);
  transition: width 0.3s cubic-bezier(0.16, 1, 0.3, 1), background-color 0.25s ease;
}

.nav a:hover {
  color: var(--blue);
}

.nav a:hover::after {
  width: 50%;
  background: var(--blue);
}

.nav a[aria-current="page"] {
  color: var(--blue);
}

.nav a[aria-current="page"]::after {
  width: 100%;
  background: var(--gold);
}

/* Hero Section with Ultra-Smooth Gradient Transition */
.hero {
  position: relative;
  padding: 7rem 0 9rem;
  background: linear-gradient(135deg, rgba(6, 26, 45, 0.94) 0%, rgba(11, 37, 69, 0.90) 50%, rgba(23, 107, 135, 0.85) 100%),
              url('hero_finance_bg.png') center/cover no-repeat;
  color: var(--white);
  overflow: hidden;
  scroll-margin-top: 5rem;
}

.hero-bottom-transition {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 120px;
  background: linear-gradient(to bottom, 
    rgba(6, 26, 45, 0) 0%, 
    rgba(6, 26, 45, 0.3) 25%, 
    rgba(252, 253, 254, 0.7) 70%, 
    #fcfdfe 100%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 3.5rem;
  align-items: center;
  position: relative;
  z-index: 2;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--gold);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 0.8rem;
}

.eyebrow-dot {
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
}

.hero h1 {
  font-size: clamp(2.4rem, 4.5vw, 3.8rem);
  line-height: 1.1;
  font-weight: 800;
  letter-spacing: -0.03em;
  margin: 0.5rem 0 1.2rem;
  color: #ffffff;
}

.hero p {
  max-width: 620px;
  font-size: 1.18rem;
  color: #d1e2eb;
  line-height: 1.6;
  margin-bottom: 2.2rem;
}

.button {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.9rem 1.6rem;
  background: var(--gold);
  font-weight: 700;
  font-size: 0.98rem;
  color: var(--ink);
  text-decoration: none;
  border-radius: 6px;
  transition: var(--transition);
  box-shadow: 0 4px 14px rgba(217, 164, 65, 0.35);
}

.button:hover {
  background: var(--gold-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(217, 164, 65, 0.45);
}

.button-secondary {
  background: rgba(255, 255, 255, 0.1);
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.25);
  box-shadow: none;
  margin-left: 0.8rem;
}

.button-secondary:hover {
  background: rgba(255, 255, 255, 0.2);
  color: var(--white);
  box-shadow: none;
}

/* Hero Stats Visual Card */
.hero-card {
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  padding: 2.2rem;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.25);
}

.hero-card-title {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 1.5rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  padding-bottom: 0.8rem;
}

.hero-stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}

.hero-stat-item {
  display: flex;
  flex-direction: column;
}

.hero-stat-number {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
}

.hero-stat-label {
  font-size: 0.82rem;
  color: #b0cad6;
  margin-top: 0.2rem;
}

/* Section Groups & Sub-blocks */
.section-group {
  scroll-margin-top: 4.5rem;
}

.section-block {
  padding: 4.5rem 0;
}

.section-block.alt-bg {
  background: var(--sky);
  border-top: 1px solid rgba(219, 231, 233, 0.6);
  border-bottom: 1px solid rgba(219, 231, 233, 0.6);
}

h2 {
  font-size: clamp(1.8rem, 3.2vw, 2.5rem);
  line-height: 1.25;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin: 0 0 0.8rem;
}

.lead {
  color: var(--muted);
  font-size: 1.12rem;
  max-width: 740px;
  line-height: 1.65;
}

/* Feature Cards with Icons */
.grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.6rem;
  margin-top: 2.5rem;
}

.card {
  padding: 2rem;
  background: var(--white);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 24px rgba(11, 37, 69, 0.08);
  border-color: var(--blue);
}

.card-icon {
  width: 52px;
  height: 52px;
  background: var(--blue-light);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.2rem;
  color: var(--blue);
  transition: var(--transition);
}

.card:hover .card-icon {
  background: var(--blue);
  color: var(--white);
}

.card-icon svg {
  stroke: currentColor;
}

.card h3 {
  margin: 0 0 0.6rem;
  font-size: 1.2rem;
  font-weight: 700;
}

.card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.98rem;
}

/* Vision & Mission Cards */
.vm-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.6rem;
  margin-top: 2.5rem;
}

.vm-card {
  padding: 2rem;
  background: var(--white);
  border: 1px solid var(--card-border);
  border-top: 4px solid var(--gold);
  border-radius: var(--radius);
  transition: var(--transition);
}

.vm-card:hover {
  box-shadow: 0 10px 20px rgba(11, 37, 69, 0.06);
}

.vm-header {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  margin-bottom: 0.8rem;
}

.vm-icon {
  color: var(--blue);
  display: flex;
  align-items: center;
}

.vm-card h3 {
  margin: 0;
  font-size: 1.05rem;
  letter-spacing: 0.06em;
  color: var(--blue);
  text-transform: uppercase;
  font-weight: 800;
}

.vm-card p {
  margin: 0;
  color: var(--muted);
  font-size: 1.02rem;
  line-height: 1.6;
}

/* Sector Focus Pills with Mini Icons */
.pill-list {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 2rem;
  padding: 0;
  list-style: none;
}

.pill {
  padding: 0.65rem 1.1rem;
  background: var(--white);
  border: 1px solid #cfe0e3;
  border-radius: 30px;
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--ink);
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  transition: var(--transition);
}

.pill svg {
  color: var(--blue);
}

.pill:hover {
  border-color: var(--blue);
  background: var(--blue-light);
  color: var(--blue);
  transform: translateY(-2px);
}

/* Why Partner Grid with Icons */
.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.6rem;
  margin-top: 2.5rem;
}

.why-card {
  padding: 1.8rem;
  background: var(--white);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
  display: flex;
  gap: 1.2rem;
  align-items: flex-start;
  transition: var(--transition);
}

.why-card:hover {
  border-color: var(--blue);
  box-shadow: 0 8px 20px rgba(11, 37, 69, 0.06);
}

.why-icon {
  width: 48px;
  height: 48px;
  background: var(--sky);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--blue);
}

.why-card h3 {
  margin: 0 0 0.4rem;
  font-size: 1.1rem;
  font-weight: 700;
}

.why-card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.96rem;
}

/* Catalogue Action Banner */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.catalogue {
  background: linear-gradient(135deg, #f0f7f9 0%, #e3f1f4 100%);
  border-radius: var(--radius);
  border: 1px solid var(--card-border);
}

.catalogue-action {
  background: var(--white);
  padding: 2rem;
  border-radius: var(--radius);
  border: 1px solid var(--card-border);
  box-shadow: 0 10px 24px rgba(11, 37, 69, 0.05);
  text-align: center;
}

.catalogue-action p {
  margin: 0.8rem 0 0;
  color: var(--muted);
  font-size: 0.88rem;
}

/* Contact Section */
.contact {
  background: var(--ink);
  color: var(--white);
  padding: 5.5rem 0;
  scroll-margin-top: 4.5rem;
}

.contact h2 {
  color: var(--white);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  margin-top: 2rem;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1.2rem;
}

.contact-icon {
  width: 42px;
  height: 42px;
  background: rgba(217, 164, 65, 0.15);
  border: 1px solid rgba(217, 164, 65, 0.3);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
}

.contact-details p {
  margin: 0;
  font-size: 1.05rem;
}

.contact a {
  color: var(--gold);
  text-decoration: none;
  font-weight: 600;
  transition: var(--transition);
}

.contact a:hover {
  text-decoration: underline;
  color: var(--white);
}

.disclaimer {
  font-size: 0.8rem;
  color: #8fa6ba;
  max-width: 900px;
  margin-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.2rem;
}

/* Footer */
.foot {
  padding: 1.5rem 0;
  background: var(--navy-dark);
  color: #9fb0c3;
  font-size: 0.88rem;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.foot span {
  color: var(--gold);
  font-weight: 600;
}

/* Responsive Breakpoints */
@media (max-width: 900px) {
  .hero-grid {
    grid-template-columns: 1fr;
  }
  .grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .split, .contact-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 650px) {
  .top .wrap {
    flex-direction: column;
    align-items: flex-start;
  }
  .nav {
    gap: 1rem;
    font-size: 0.9rem;
    width: 100%;
    overflow-x: auto;
    padding-bottom: 0.3rem;
  }
  .grid, .vm-grid, .why-grid {
    grid-template-columns: 1fr;
  }
  .hero {
    padding: 4.5rem 0 5.5rem;
  }
  .hero-stats-grid {
    grid-template-columns: 1fr 1fr;
  }
  .foot .wrap {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.5rem;
  }
}