:root{
    --navy:#0A2540; --navy-2:#071B2E; --navy-3:#0A1628;
    --blue:#1D4ED8; --blue-hover:#2563EB; --blue-l:#3B82F6;
    --blue-100:#DBEAFE; --blue-200:#93C5FD; --blue-300:#60A5FA;
    --ink:#0F172A; --slate-600:#475569; --slate-500:#5A6675; --slate-700:#334155;
    --line:#E2E8F0; --line-2:#E8EDF3; --field:#CBD5E1;
    --bg-soft:#F1F5F9; --muted:#94A3B8;
    --serif:'Newsreader',Georgia,serif; --sans:'Figtree',system-ui,-apple-system,sans-serif;
    --max:100%; --pad:clamp(20px,4vw,72px); --nav-gap:14px;
  }
  *{box-sizing:border-box}
  html,body{max-width:100%;overflow-x:hidden}
  img,svg,video{max-width:100%}
  body{margin:0;background:#fff;color:var(--ink);font-family:var(--sans);-webkit-font-smoothing:antialiased}
  a{color:var(--navy);text-decoration:none}
  a:hover{color:var(--blue-hover)}
  button,input,select,textarea{font:inherit}
  h1,h2{margin:0}
  img{display:block}
  input,textarea{font-family:var(--sans)}
  ::placeholder{color:var(--muted)}
  .wrap{width:100%;max-width:var(--max);margin:0 auto;padding-inline:var(--pad)}
  .eyebrow{display:inline-block;background:var(--bg-soft);color:var(--ink);font-size:13px;padding:7px 13px;border-radius:5px}
  .serif{font-family:var(--serif);font-weight:300}
  .btn{display:inline-flex;align-items:center;justify-content:space-between;gap:24px;background:var(--blue);color:#fff;font-size:15px;padding:15px 22px;border-radius:5px;border:0;cursor:pointer;transition:background .15s}
  .btn:hover{background:var(--blue-hover);color:#fff}
  .btn svg{flex:none}
  .arrow{stroke:currentColor;stroke-width:1.3;fill:none}
  /* ---------- HERO ---------- */
  .hero{position:relative;background:var(--navy);background-image:linear-gradient(180deg,#103A63 0%,#071B2E 100%);margin:0;border-radius:0;overflow:hidden;min-height:100vh;display:flex;flex-direction:column}
  .hero .bg-photo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.65) contrast(1.05) brightness(.65)}
  .hero .bg-shade{position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,37,64,.72) 0%,rgba(8,30,51,.8) 55%,rgba(7,27,46,.92) 100%)}
  .hero .grain{position:absolute;inset:-20%;background-image:linear-gradient(120deg, rgba(29,78,216,.38) 0%, rgba(10,37,64,0) 30%, rgba(96,165,250,.30) 55%, rgba(10,37,64,0) 80%, rgba(29,78,216,.30) 100%);background-size:250% 250%;animation:heroGradientShift 22s ease-in-out infinite;opacity:.55;pointer-events:none}
  .hero .stripes{position:absolute;inset:0;background-image:repeating-linear-gradient(90deg,rgba(0,0,0,.30) 0 3px,rgba(255,255,255,.03) 3px 8px,rgba(0,0,0,0) 8px 15px);opacity:.6;pointer-events:none}
  @keyframes heroGradientShift{0%{background-position:0% 30%}50%{background-position:100% 70%}100%{background-position:0% 30%}}
  @media (prefers-reduced-motion:reduce){.hero .grain{animation:none;background-position:20% 40%}}
  .nav{position:relative;z-index:20;margin:24px var(--nav-gap) 0;border-radius:5px;background:linear-gradient(160deg,rgba(255,255,255,.22),rgba(255,255,255,.07));backdrop-filter:blur(22px) saturate(150%);-webkit-backdrop-filter:blur(22px) saturate(150%);border:1px solid rgba(255,255,255,.32);box-shadow:0 24px 60px rgba(2,10,22,.5), inset 0 1px 0 rgba(255,255,255,.2);flex:none}
  .nav .wrap{height:70px;display:flex;align-items:center;justify-content:space-between;padding-inline:calc(var(--pad) - var(--nav-gap))}
  .logo{font-family:var(--serif);font-size:30px;font-weight:300;color:#fff;letter-spacing:.01em}
  .logo b{color:var(--blue-300);font-weight:300}
  .nav-links{display:flex;align-items:center;gap:34px;font-size:15px;color:#E2E8F0}
  .nav-links a{color:#E2E8F0}
  .nav-links a:hover{color:#fff}
  .nav-cta{width:auto;white-space:nowrap}
  .nav .logo{display:inline-flex;align-items:center;gap:.28em;height:50px;padding:0 20px 3px;background:var(--blue);border-radius:5px;font-size:26px;line-height:1;white-space:nowrap;transition:background .15s}
  .nav a.logo:hover{background:var(--blue-hover)}
  .nav .logo b{color:#BFDBFE}
  .nav .nav-cta{background:transparent;border:1px solid rgba(255,255,255,.45)}
  .nav .nav-cta:hover{background:rgba(255,255,255,.1);border-color:#fff}
  .hero-body{position:relative;z-index:1;flex:1;display:flex}
  .hero-body .wrap{width:100%;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,clamp(340px,38vw,512px));gap:clamp(40px,6vw,80px);align-items:center;padding-block:clamp(48px,9vw,80px)}
  .hero-copy{min-width:0}
  .hero-photo{position:relative;height:clamp(380px,50vw,600px);background:var(--navy);overflow:hidden;border-radius:5px}
  .hero-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.68) contrast(1.06) brightness(.94)}
  .hero-photo .shade{position:absolute;inset:0;background:linear-gradient(200deg,rgba(10,37,64,.30),rgba(10,37,64,.62))}
  .hero-badge-top{position:absolute;z-index:2;top:18px;left:18px;background:rgba(255,255,255,.94);color:var(--navy);padding:10px 14px;border-radius:5px;font-size:13px;font-weight:500;display:flex;align-items:center;gap:8px;box-shadow:0 8px 24px rgba(0,0,0,.2)}
  .hero-badge-top .stars{color:#F59E0B;font-size:12px;letter-spacing:1px}
  .hero-badge-bottom{position:absolute;z-index:2;right:18px;bottom:18px;max-width:190px;background:linear-gradient(135deg,rgba(255,255,255,.22),rgba(255,255,255,.07));backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.28);color:#fff;padding:14px 16px;border-radius:5px;font-size:13px;line-height:1.4;box-shadow:0 14px 34px rgba(0,0,0,.28)}
  .hero-badge-bottom .n{display:block;margin-bottom:2px;font-family:var(--serif);font-weight:300;font-size:22px;color:#fff}
  .hero-copy h1{font-family:var(--serif);font-weight:300;font-size:clamp(34px,4.4vw,54px);line-height:1.06;color:#fff;letter-spacing:-.005em}
  .hero-copy h1 span{color:var(--blue-200)}
  .hero-copy p{margin:24px 0 0;font-size:clamp(16px,1.4vw,17px);color:var(--blue-100);max-width:48ch}
  .hero-copy .btn{margin-top:36px;max-width:262px;width:100%}
  /* ---------- FEATURE BAND ---------- */
  .band{}
  .band .wrap{min-height:85px;display:grid;grid-template-columns:repeat(5,1fr);align-items:center;gap:16px;padding-block:18px;color:var(--ink);font-size:16px}
  .band .eyebrow{background:none;padding:7px 0}
  .band .f{display:flex;align-items:center;gap:14px}
  /* ---------- SERVICES ---------- */
  .section{padding-block:110px}
  .services h2{margin:26px 0 62px;font-family:var(--serif);font-weight:300;font-size:clamp(30px,4.6vw,56px);line-height:1.05;letter-spacing:-.01em}
  .svc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:21px}
  .card{border:1px solid var(--line);border-radius:5px;background:#fff;overflow:hidden;display:flex;flex-direction:column}
  .card-top{padding:34px 24px 26px}
  .card-icon{height:64px;display:flex;align-items:center}
  .card-title{margin-top:24px;font-size:23px;line-height:1.22;color:var(--ink)}
  .card-body{background:var(--bg-soft);padding:22px 24px 24px;flex:1;display:flex;flex-direction:column;justify-content:space-between;gap:26px}
  .card-desc{margin:0;font-size:15px;line-height:1.55;color:var(--slate-600)}
  .checks{display:flex;flex-direction:column;gap:12px}
  .check{display:flex;align-items:center;gap:12px;font-size:15px;color:var(--slate-700)}
  .learn{display:flex;align-items:center;justify-content:space-between;background:#fff;border:1px solid var(--line);border-radius:5px;padding:15px 18px;font-size:15px;color:var(--navy);cursor:pointer;transition:.15s}
  .learn:hover{background:var(--navy);color:#fff}
  /* ---------- TIME / STAT BAND ---------- */
  .time{position:relative;background:var(--navy);overflow:hidden}
  .time img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.68) contrast(1.06) brightness(.9)}
  .time .shade{position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,37,64,.86),rgba(10,37,64,.5) 45%,rgba(10,37,64,.7))}
  .time .wrap{position:relative;display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,380px);gap:clamp(48px,6vw,80px);align-items:center;padding-block:110px}
  .time-copy{min-width:0;max-width:720px}
  .time-copy .eyebrow{margin:0}
  .time h2{margin:22px 0 0;font-family:var(--serif);font-weight:300;font-size:clamp(32px,4.2vw,54px);line-height:1.08;color:#fff}
  .time-copy p{margin:26px 0 0;max-width:62ch;font-size:clamp(16px,1.4vw,18px);line-height:1.55;color:var(--blue-100)}
  .reg-inline{margin-top:32px;border:1px solid rgba(255,255,255,.22);border-radius:5px;padding:26px 28px;background:rgba(10,37,64,.72);backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);display:grid;grid-template-columns:130px minmax(0,1fr);gap:28px;align-items:center;max-width:640px}
  .reg-label{justify-self:start;background:#fff;border:1px solid rgba(255,255,255,.5);border-radius:5px;padding:9px 16px;color:var(--blue);font-size:14px;font-weight:500;white-space:nowrap}
  .reg-copy{font-size:15px;line-height:1.7;color:#fff}
  .reg-copy>div:first-child{display:flex;gap:26px;flex-wrap:wrap}
  .reg-copy strong{font-weight:600;color:#fff}
  .reg-copy span{color:var(--blue-100)}
  @media (max-width:640px){.reg-inline{grid-template-columns:1fr;gap:12px;padding:20px}.reg-copy>div:first-child{display:block}.reg-copy>div:first-child span{display:block;margin-top:4px}}
  .stat-card{align-self:center}
  .stat-card .glass{padding:26px 28px 24px;background:linear-gradient(135deg,rgba(255,255,255,.16),rgba(255,255,255,.06));backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-top:1px solid rgba(255,255,255,.18);color:#fff}
  .stat-card .small{font-size:15px}
  .stat-card .asset-list{list-style:none;margin:14px 0 8px;padding:0;display:flex;flex-direction:column;gap:12px}
  .stat-card .asset-list li{position:relative;padding-left:26px;font-family:var(--serif);font-weight:300;font-size:clamp(17px,1.7vw,20px);line-height:1.3;color:#fff}
  .stat-card .asset-list li::before{content:"";position:absolute;left:0;top:6px;width:14px;height:14px;border-radius:50%;border:1.4px solid var(--blue-300);background:rgba(96,165,250,.18)}
  .stat-card .cta{display:flex;align-items:center;justify-content:space-between;background:var(--blue);color:#fff;font-size:15px;padding:17px 22px;cursor:pointer}
  .saksham-link{display:inline-flex;align-items:center;gap:16px;margin-top:22px;padding:14px 22px;border-radius:5px;border:1px solid rgba(255,255,255,.38);color:#fff;font-size:14.5px;font-weight:500;background:rgba(255,255,255,.04);transition:background .15s,border-color .15s}
  .saksham-link svg{flex:none}
  .saksham-link:hover{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.6)}
  /* ---------- ABOUT ---------- */
  .about{padding-top:112px}
  .about-head{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);gap:40px;align-items:start;margin-top:26px}
  .about-head h2{font-family:var(--serif);font-weight:300;font-size:clamp(30px,4.4vw,52px);line-height:1.06}
  .about-head p{margin:14px 0 0;font-size:16px;line-height:1.55;color:var(--slate-600)}
  .about-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);gap:48px;margin-top:56px;align-items:stretch}
  .about-photo{align-self:stretch}
  .acc{display:flex;flex-direction:column;justify-content:center}
  .about-photo{position:relative;min-height:560px;background:var(--navy);overflow:hidden;display:flex;align-items:flex-end;padding:30px}
  .about-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.68) contrast(1.06) brightness(.94)}
  .about-photo .shade{position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,37,64,.22),rgba(10,37,64,.78))}
  .quote{position:relative;font-family:var(--serif);font-style:italic;font-size:19px;line-height:1.5;color:#E2E8F0}
  .quote .who{margin-top:14px;font-size:32px;color:var(--blue-200)}
  .acc{border:1px solid var(--line);border-radius:5px;background:#fff;padding:0 30px}
  .acc-item{border-bottom:1px solid var(--line-2)}
  .acc-item:last-child{border-bottom:0}
  .acc-head{padding:28px 0;display:flex;align-items:center;justify-content:space-between;cursor:pointer}
  .acc-head span{font-family:var(--serif);font-weight:300;font-size:24px;color:var(--ink)}
  .acc-sign{font-size:22px;color:var(--slate-500);line-height:1;font-family:var(--sans)}
  .acc-panel{display:none;padding:0 0 30px}
  .acc-item.open .acc-panel{display:block}
  .acc-panel p{margin:0 0 18px;font-size:15px;line-height:1.6;color:var(--slate-600)}
  .acc-panel .check{margin-bottom:2px}
  /* ---------- REGISTRATION / EMPANELLED ---------- */
  .registration-card{margin-top:56px;border:1px solid var(--line);border-radius:5px;padding:38px 40px;background:var(--bg-soft);display:grid;grid-template-columns:150px minmax(0,1fr);gap:40px;align-items:center;color:var(--ink)}
  .registration-label{justify-self:start;background:#fff;border:1px solid var(--line);border-radius:5px;padding:10px 18px;color:var(--blue);font-size:15px;white-space:nowrap;box-shadow:0 1px 2px rgba(15,23,42,.02)}
  .registration-copy{font-size:18px;line-height:1.8;color:var(--ink)}
  .registration-copy>div:first-child{display:block}
  .registration-copy>div:first-child span{display:block;margin-top:4px}
  .registration-copy strong{font-weight:500}
  .registration-copy span{color:var(--ink)}
  .empanelled-stack{margin-top:0;position:relative;padding-bottom:0}
  .empanelled-card{position:sticky;top:90px;background:#fff;border:1px solid var(--line);border-radius:5px;padding:38px 40px;box-shadow:0 18px 50px rgba(15,58,94,.08);min-height:300px}
  .empanelled-card--banks{margin-top:80px;top:120px}
  .empanelled-head{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-bottom:24px;border-bottom:1px solid var(--line)}
  .empanelled-head h3{margin:0;font-family:var(--serif);font-size:32px;font-weight:300;color:var(--ink)}
  .empanelled-head span{background:var(--bg-soft);padding:8px 14px;border-radius:5px;font-size:14px;color:var(--slate-600);white-space:nowrap}
  .empanelled-items{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin-top:26px}
  .empanelled-items div{min-height:84px;display:flex;align-items:center;justify-content:center;text-align:center;padding:16px;background:var(--bg-soft);border:1px solid #E7EDF4;border-radius:5px;font-size:16px;color:var(--slate-700)}
  /* ---------- VISION ---------- */
  /* top padding is 0: the preceding .client-logos section (.section{padding-block:110px})
     already provides the top gap, so stacking a second top padding here doubled the
     white-on-white space between "Trusted By" and "Our Vision". */
  .vision{padding:0 0 100px}
  .vision .lead{border-top:1px solid var(--line);margin-top:26px;padding-top:44px}
  .vision .lead h2{font-family:var(--serif);font-weight:300;font-size:clamp(30px,4.2vw,52px);line-height:1.05;letter-spacing:-.01em}
  .vision-grid{display:grid;grid-template-columns:repeat(3,1fr);margin-top:64px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
  .vcol{padding:42px 40px 46px;text-align:center}
  .vcol+.vcol{border-left:1px solid var(--line)}
  .vcol .t{font-size:22px;margin:22px 0 26px}
  .vcol p{margin:0;font-size:15px;line-height:1.6;color:var(--slate-600);text-align:left}
  /* ---------- SOLUTION TABS ---------- */
  .solution{width:100%;margin:0 0 120px}
  .sol-head{min-height:290px;background:var(--navy);background-image:linear-gradient(115deg,#0A2540 0%,#14406B 40%,#071B2E 100%);display:flex;align-items:center;justify-content:center;padding:40px}
  .sol-head h2{font-family:var(--serif);font-weight:300;font-size:clamp(28px,4vw,50px);color:#fff;text-align:center}
  .sol-body{background:var(--bg-soft);padding:0 var(--pad) 60px}
  .tabs{display:grid;grid-template-columns:repeat(3,1fr);border-bottom:1px solid var(--line)}
  .tab{text-align:center;padding:34px 12px;cursor:pointer;font-size:16px;color:var(--slate-500);border-bottom:2px solid transparent;margin-bottom:-1px;transition:.15s;background:none;border-top:0;border-left:0;border-right:0;font-family:var(--sans)}
  .tab.active{color:var(--ink);border-bottom-color:var(--blue)}
  .tab-body{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,500px);gap:80px;padding-top:70px;align-items:stretch}
  .tab-intro{margin:0 0 40px;font-size:19px;line-height:1.6;color:var(--ink);max-width:560px}
  .tab-items{display:flex;flex-direction:column;gap:30px}
  .tab-item{border-left:2px solid var(--blue);padding-left:22px}
  .tab-item .t{font-size:20px;margin-bottom:10px}
  .tab-item p{margin:0;font-size:15px;line-height:1.6;color:var(--slate-500)}
  .tab-pane{display:none}
  .tab-pane.active{display:block}
  .sol-photo{position:relative;min-height:440px;background:var(--navy);overflow:hidden}
  .sol-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.68) contrast(1.06) brightness(.9)}
  .sol-photo .shade{position:absolute;inset:0;background:linear-gradient(160deg,rgba(10,37,64,.45),rgba(10,37,64,.72))}
  .sol-photo .btn{position:absolute;left:22px;bottom:26px;width:224px}
  /* ---------- CLIENTS / STATS ---------- */
  .clients h2{margin:26px 0 56px;font-family:var(--serif);font-weight:300;font-size:clamp(30px,4.4vw,52px);line-height:1.06}
  .clients-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:80px;align-items:start}
  .clients-photo{position:sticky;top:100px;height:min(560px,80vh);background:var(--navy);overflow:hidden}
  .clients-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.68) contrast(1.06) brightness(.94)}
  .clients-photo .shade{position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,37,64,.28),rgba(10,37,64,.55))}
  .stat-list{display:flex;flex-direction:column;gap:24px}
  .stat-row{background:var(--bg-soft);border-radius:5px;padding:30px 32px;display:grid;grid-template-columns:130px 1fr;gap:22px;align-items:start}
  .stat-row .n{font-family:var(--serif);font-weight:300;font-size:42px;line-height:1;color:var(--navy)}
  .stat-row .t{font-size:19px;margin-bottom:8px}
  .stat-row p{margin:0;font-size:14px;line-height:1.5;color:var(--slate-500)}
  .grand{text-align:center;padding:110px 0 0}
  .grand .n{font-family:var(--serif);font-weight:300;font-size:clamp(46px,6vw,72px);line-height:1;color:var(--navy)}
  .grand .t{margin-top:20px;font-size:22px}
  .grand .s{margin-top:8px;font-size:14px;color:var(--slate-500)}
  /* ---------- TESTIMONIALS ---------- */
  .testi{width:100%;margin:0 0 96px}
  .logos{display:flex;align-items:center;gap:80px;flex-wrap:wrap;padding:0 var(--pad) 56px;color:var(--navy)}
  .logo-mark{display:flex;align-items:center;gap:12px;font-size:24px;font-weight:500}
  .t-card{background:var(--bg-soft);border-radius:5px 5px 0 0;padding:56px var(--pad) 44px;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.4fr);gap:60px}
  .t-left{display:flex;flex-direction:column;justify-content:space-between;gap:30px}
  .t-ava{position:relative;width:74px;height:74px;border-radius:50%;overflow:hidden;background:var(--navy)}
  .t-ava img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
  .t-name{margin-top:22px;font-size:21px}
  .t-role{display:inline-block;margin-top:14px;background:var(--line);color:var(--slate-700);font-size:13px;padding:6px 12px;border-radius:5px}
  .t-nav{display:flex;gap:14px}
  .t-btn{width:46px;height:46px;border-radius:5px;background:#fff;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;cursor:pointer;color:var(--navy);transition:.15s}
  .t-btn:hover{background:var(--navy);color:#fff}
  .t-right{position:relative;padding-left:56px}
  .t-quote-open{position:absolute;left:0;top:-6px;font-family:var(--serif);font-size:52px;color:var(--blue);line-height:1}
  .t-text{margin:0;font-family:var(--serif);font-weight:300;font-size:21px;line-height:1.72;color:var(--slate-700);min-height:200px}
  .t-foot{margin-top:40px;border-top:1px solid var(--line);padding-top:26px;display:flex;align-items:center;gap:24px;flex-wrap:wrap}
  .t-foot .n{font-family:var(--serif);font-weight:300;font-size:44px;line-height:1;color:var(--navy)}
  .t-foot .bar{width:44px;height:1px;background:#CBD5E1}
  .t-foot .lbl{font-size:15px;color:var(--slate-700)}
  .t-bar{background:var(--navy);border-radius:0 0 5px 5px;padding:22px var(--pad);display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
  .t-bar span{color:#fff;font-size:19px}
  .t-bar .btn{width:230px}
  /* ---------- CONTACT ---------- */
  .contact{padding-bottom:120px}
  .contact h2{margin:26px 0 40px;font-family:var(--serif);font-weight:300;font-size:clamp(30px,4.4vw,52px);line-height:1.06}
  .contact-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:40px;align-items:stretch}
  .contact-left{display:flex;flex-direction:column}
  .c-photo{position:relative;flex:1;min-height:420px;background:var(--navy);overflow:hidden}
  .c-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.68) contrast(1.06) brightness(.94)}
  .c-photo .shade{position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,37,64,.3),rgba(10,37,64,.68))}
  .c-glass{position:absolute;left:24px;right:24px;bottom:24px;padding:22px 26px;background:linear-gradient(135deg,rgba(255,255,255,.18),rgba(255,255,255,.05));backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-top:1px solid rgba(255,255,255,.2);color:#fff}
  .c-glass .h{font-size:19px;margin-bottom:10px}
  .c-glass p{margin:0;font-size:15px;line-height:1.5}
  .c-contacts{margin-top:24px;background:var(--bg-soft);border-radius:5px;padding:0 28px}
  .c-row{display:flex;align-items:center;gap:20px;padding:26px 0;border-bottom:1px solid var(--line)}
  .c-row:last-child{border-bottom:0}
  .c-ico{width:46px;height:46px;border-radius:5px;background:#fff;display:flex;align-items:center;justify-content:center;flex:none}
  .c-row .lbl{font-size:15px;color:var(--slate-700)}
  .c-row .val{font-size:17px;color:var(--ink)}
  .c-row .val a{color:inherit}
  .c-row .val a:hover{color:var(--blue);text-decoration:underline}
  .form{background:#fff;border:1px solid var(--line);border-radius:5px;box-shadow:0 18px 60px rgba(15,58,94,.10);overflow:hidden}
  .form-head{background:var(--navy);padding:22px 30px;display:flex;align-items:center;gap:22px}
  .form-head .logo{font-size:24px}
  .form-head .sep{width:1px;height:24px;background:rgba(255,255,255,.3)}
  .form-head .h{color:#fff;font-size:19px}
  .form-inner{padding:30px}
  .frow{display:grid;grid-template-columns:1fr 1fr;gap:20px 22px}
  label.field{display:block;font-size:15px;color:var(--slate-700)}
  label.field+label.field, .frow+label.field, .frow+.frow, label.field+.frow{margin-top:20px}
  .frow>label.field+label.field{margin-top:0}
  label.field input,label.field textarea,label.field select{display:block;width:100%;margin-top:10px;height:44px;border:1px solid var(--field);border-radius:5px;padding:0 12px;font-size:15px;color:var(--ink)}
  label.field textarea{height:auto;padding:12px;resize:vertical}
  label.field select{appearance:none;-webkit-appearance:none;background:#fff url("data:image/svg+xml,%3Csvg xmlns=%27http://www.w3.org/2000/svg%27 width=%2712%27 height=%278%27 viewBox=%270 0 12 8%27%3E%3Cpath d=%27M1 1l5 5 5-5%27 stroke=%27%23475569%27 stroke-width=%271.4%27 fill=%27none%27/%3E%3C/svg%3E") no-repeat right 14px center;padding-right:38px;cursor:pointer}
  label.field select:invalid{color:var(--slate-500)}
  label.field .req{color:#B91C1C}
  label.field .opt{color:var(--slate-500);font-size:13px}
  .form-note{margin:0 0 18px;font-size:13px;color:var(--slate-500)}
  .form-note .req{color:#B91C1C}
  .form .btn[disabled]{opacity:.7;cursor:wait}
  .form .btn{margin-top:26px;width:186px}
  .form .fine{margin-top:32px;border-top:1px solid var(--line-2);padding-top:22px;font-size:13px;line-height:1.55;color:var(--slate-500)}
  /* ---------- INSIGHTS ---------- */
  .insights{padding-bottom:130px}
  .ins-head{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);gap:40px;margin-top:26px;align-items:start}
  .ins-head h2{font-family:var(--serif);font-weight:300;font-size:clamp(30px,4.2vw,50px);line-height:1.06}
  .ins-head p{margin:6px 0 0;font-size:16px;line-height:1.6;color:var(--slate-600)}
  .ins-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:21px;margin-top:58px}
  .post-img{position:relative;height:280px;background:var(--navy);overflow:hidden}
  .post-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.68) contrast(1.06) brightness(.94)}
  .post-img .shade{position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,37,64,.18),rgba(10,37,64,.42))}
  .post-meta{display:flex;align-items:center;gap:14px;margin-top:20px}
  .post-tag{background:var(--bg-soft);color:var(--slate-700);font-size:13px;padding:5px 10px;border-radius:5px}
  .post-date{font-size:14px;color:var(--slate-500)}
  .post-title{margin-top:16px;font-size:20px;line-height:1.35}
  .yt-thumb{cursor:pointer}
  .yt-thumb img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:saturate(.85) contrast(1.03) brightness(.92)}
  .yt-play{position:absolute;inset:0;margin:auto;width:64px;height:64px;border-radius:50%;background:rgba(10,37,64,.55);border:1px solid rgba(255,255,255,.35);display:flex;align-items:center;justify-content:center;transition:transform .15s,background .15s}
  .yt-play svg{margin-left:3px}
  .yt-thumb:hover .yt-play{background:var(--blue);transform:scale(1.08)}
  .yt-frame{padding:0;background:#000}
  .yt-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
  /* ---------- NEWSLETTER + FOOTER ---------- */
  .news{background:var(--bg-soft);padding:96px 0 100px;text-align:center}
  .news h2{font-family:var(--serif);font-weight:300;font-size:clamp(28px,4vw,48px);padding-inline:16px}
  .news-form{margin-top:34px;display:flex;flex-wrap:wrap;align-items:flex-start;justify-content:center;gap:14px;padding-inline:16px}
  .news-form input{width:100%;max-width:400px;height:48px;border:1px solid var(--field);border-radius:5px;background:#fff;padding:0 14px;font-size:15px;color:var(--ink)}
  .news-form .btn{gap:30px;width:154px;padding:0 20px;height:48px}
  .news-form .fine{margin:0;width:300px;text-align:left;font-size:13px;line-height:1.55;color:var(--slate-500)}
  .news-form .fine a{color:var(--slate-500);text-decoration:underline}
  .rule{height:120px;background-image:repeating-linear-gradient(180deg,var(--navy) 0 2px,var(--bg-soft) 2px 9px);-webkit-mask-image:linear-gradient(180deg,transparent,#000);mask-image:linear-gradient(180deg,transparent,#000)}
  footer{background:var(--navy);padding:78px 0 0}
  .foot-grid{display:grid;grid-template-columns:minmax(0,300px) repeat(4,1fr);gap:32px;padding-bottom:60px}
  .foot-logo{font-family:var(--serif);font-size:34px;font-weight:300;color:#fff}
  .foot-logo b{color:var(--blue-300);font-weight:300}
  .foot-tag{margin-top:22px;font-size:16px;color:#fff}
  .foot-tag span{color:var(--blue-200)}
  .foot-h{font-size:15px;color:var(--muted);margin-bottom:20px}
  .foot-links{display:grid;grid-template-columns:1fr 1fr;gap:14px 30px;font-size:15px}
  .foot-links a{color:#fff}
  .foot-col{display:flex;flex-direction:column;gap:14px;font-size:15px;color:#fff}
  .foot-col .k{color:var(--blue-200)}
  .foot-col a{color:#fff}
  .foot-col a:hover{text-decoration:underline;color:#fff}
  .foot-social{display:flex;gap:18px;margin-top:28px;color:#fff;font-size:14px}
  .foot-social a{color:#fff;width:36px;height:36px;border-radius:50%;border:1px solid rgba(255,255,255,.25);display:flex;align-items:center;justify-content:center}
  .foot-social a:hover{background:rgba(255,255,255,.1);color:#fff}
  .foot-bottom{width:100%;max-width:var(--max);margin:0 auto;border-top:1px solid rgba(255,255,255,.16);padding:22px var(--pad) 26px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:14px;color:var(--muted)}
  .foot-bottom .r{display:flex;gap:26px;flex-wrap:wrap;align-items:center}
  .foot-bottom .credit{color:var(--muted)}
  .foot-bottom .credit a{color:#fff;text-decoration:underline;text-underline-offset:3px}
  .foot-bottom .credit a:hover{color:var(--blue-200)}
  .wa-float{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 28px rgba(0,0,0,.28);z-index:80;transition:transform .15s}
  .wa-float:hover{transform:scale(1.06)}

  /* ==========================================================
     MOBILE MENU (base — hidden on desktop by default)
     ========================================================== */
  .mobile-menu-btn{
    display:none;
    width:44px;height:44px;
    padding:10px;
    border:1px solid rgba(255,255,255,.25);
    border-radius:5px;
    background:transparent;
    color:#fff;
    cursor:pointer;
    flex-direction:column;
    align-items:center;
    justify-content:center;
    gap:5px;
    flex:none;
  }
  .mobile-menu-btn span{
    display:block;width:20px;height:1.5px;background:#fff;
    transition:transform .2s, opacity .2s;
  }
  .mobile-menu-btn.open span:nth-child(1){transform:translateY(6.5px) rotate(45deg)}
  .mobile-menu-btn.open span:nth-child(2){opacity:0}
  .mobile-menu-btn.open span:nth-child(3){transform:translateY(-6.5px) rotate(-45deg)}
  .mobile-menu{
    display:none;
    position:fixed;
    top:118px;
    left:16px;
    right:16px;
    box-sizing:border-box;
    background:linear-gradient(160deg,rgba(255,255,255,.16),rgba(255,255,255,.04));
    backdrop-filter:blur(24px) saturate(140%);
    -webkit-backdrop-filter:blur(24px) saturate(140%);
    border:1px solid rgba(255,255,255,.24);
    border-radius:5px;
    box-shadow:0 24px 60px rgba(3,12,26,.45), inset 0 1px 0 rgba(255,255,255,.16);
    z-index:200;
    flex-direction:column;
    padding:10px;
    max-height:calc(100vh - 110px);
    overflow-y:auto;
    visibility:hidden;
    opacity:0;
    pointer-events:none;
    transform:translateY(-10px) scale(.98);
    transition:opacity .2s ease, transform .2s ease, visibility .2s ease;
  }
  .mobile-menu.open{
    visibility:visible;
    opacity:1;
    pointer-events:auto;
    transform:translateY(0) scale(1);
  }
  .mobile-menu a{
    display:flex;
    align-items:center;
    justify-content:space-between;
    color:#fff;
    padding:15px 14px;
    border-radius:5px;
    font-size:15px;
    transition:background .15s;
  }
  .mobile-menu a:hover,
  .mobile-menu a:active{background:rgba(255,255,255,.12)}
  .mobile-menu a+a{margin-top:2px;border-top:1px solid rgba(255,255,255,.10)}
  .mobile-menu .mobile-menu-contact{
    margin-top:10px;
    padding:15px 16px;
    border:0;
    border-radius:5px;
    background:var(--blue);
  }

  /* ==========================================================
     RESPONSIVE — single, consolidated system
     Breakpoints: 1100 / 820 / 640
     ========================================================== */

  /* ---- Tablet landscape & down (<=1100px) ---- */
  @media (max-width:1100px){
    .nav-links,.nav-cta{display:none}
    .mobile-menu-btn{display:flex}
    .mobile-menu{display:flex}
    .band .wrap{grid-template-columns:repeat(2,1fr);gap:14px 24px}
    .time .wrap{grid-template-columns:1fr;gap:42px;padding-block:80px}
    .stat-card{max-width:380px}
    .about-grid,.about-head,.clients-grid,.contact-grid,.ins-head,.tab-body{grid-template-columns:1fr;gap:40px}
    .about-photo,.acc{align-self:auto}
    .about-photo{min-height:380px}
    .clients-photo{position:static;height:340px}
    .contact-left{display:block}
    .c-photo{flex:none;height:340px;min-height:0}
    .t-card{grid-template-columns:1fr;gap:36px}
    .t-right{padding-left:0}
    .t-text{min-height:0}
    .vision-grid{grid-template-columns:1fr}
    .vcol{padding:36px 8px 40px}
    .vcol+.vcol{border-left:0;border-top:1px solid var(--line)}
    .foot-grid{grid-template-columns:1fr 1fr}
    .section{padding-block:80px}
    .vision{padding:0 0 80px}
    .clients{padding-bottom:56px!important}
    .testi{margin:0 0 80px}
    .sol-body{padding:0 var(--pad) 48px}
    .registration-card{grid-template-columns:130px minmax(0,1fr);gap:28px;padding:32px}
    .registration-copy{font-size:16px}
    .empanelled-items{grid-template-columns:repeat(3,minmax(0,1fr))}
    
  }

  /* ---- Tablet portrait / large phone (<=820px) ---- */
  @media (max-width:820px){

    .hero-body .wrap{grid-template-columns:1fr;gap:0;padding-block:clamp(58px,9vw,88px)}
    .hero-photo,.hero-photo img,.hero-photo .shade{display:none}
    .hero-copy{width:100%;max-width:760px;min-width:0}
    .hero-copy h1{max-width:18ch}
    .hero-copy p{max-width:58ch}

    .clients-photo,.clients-photo img,.clients-photo .shade{display:none}
    .clients-grid{grid-template-columns:1fr}

    .tabs{grid-template-columns:1fr}
    .tab{text-align:left;padding:20px 4px;border-bottom:1px solid var(--line)}
    .tab.active{border-bottom-color:var(--blue)}
    .tab-body{padding-top:44px}

    .logos{gap:36px 44px}
    .foot-grid{grid-template-columns:1fr}
    .foot-social{justify-content:flex-start;margin-top:24px}

    /* Feature band as a clean 2-col grid */
    .band .wrap{grid-template-columns:1fr 1fr;gap:14px 28px;padding:20px var(--pad)}
    .band .eyebrow{grid-column:1 / -1;white-space:nowrap;margin:0}
    .band .f{gap:10px;min-width:0}
    .band .f span:last-child{line-height:1.25}
  }

  /* ---- Phone (<=640px) ---- */
  @media (max-width:640px){
    :root{--pad:18px;--nav-gap:10px}
    .nav{margin-top:16px;border-radius:5px}
    .nav .wrap{height:64px}
    .mobile-menu{top:90px;left:12px;right:12px;max-height:calc(100vh - 110px)}

    .frow{grid-template-columns:1fr}
    .stat-row{grid-template-columns:1fr;gap:8px}

    .t-right{padding-left:34px}
    .t-quote-open{left:0;top:-4px;font-size:42px}
    .t-text{font-size:18px;line-height:1.65}
    .t-foot{gap:16px}
    .t-bar .btn,.news-form .btn{width:100%}
    .news-form input,.news-form .fine{width:100%;max-width:none}

    .section{padding-block:56px}
    .about{padding-top:56px}
    .clients{padding-bottom:48px!important}
    .testi{margin:0 0 64px}
    .vision{padding:0 0 64px}
    .solution{margin-bottom:64px}
    .contact{padding-bottom:64px}
    .insights{padding-bottom:72px}

    /* Hero: full-bleed background, copy anchored to bottom */
    .hero-body{overflow:hidden}
    .hero-body .wrap{
      display:block;position:relative;
      min-height:0;height:auto;
      padding:44px 18px 40px;
    }
    .hero-copy{
      position:relative;z-index:2;
      padding:0;
      display:block;
    }
    .hero-copy h1{margin-top:0;font-size:clamp(34px,10vw,46px);line-height:1.06;max-width:12ch}
    .hero-copy p{margin-top:20px;max-width:36ch;font-size:16px;line-height:1.55}
    .hero-copy .btn,.sol-photo .btn{max-width:none}
    .hero-copy .btn+.btn,.hero-copy a.btn{margin-top:0}

    .band .wrap{grid-template-columns:1fr;gap:10px;padding:18px}
    .band .eyebrow{grid-column:auto;margin-bottom:2px}

    .clients-grid{gap:28px}

    /* Registration / Empanelled cards stack cleanly, no sticky overlap */
    .registration-card{grid-template-columns:1fr;gap:16px;padding:22px 18px;margin-top:34px}
    .registration-label{justify-self:start}
    .registration-copy{font-size:15px;line-height:1.7}
    .empanelled-stack{padding-bottom:20px}
    .empanelled-card,.empanelled-card--banks{
      position:relative;top:auto;margin:0 0 18px!important;padding:24px 18px;min-height:0;
    }
    .empanelled-card:last-child{margin-bottom:0!important}
    .empanelled-head{gap:12px;padding-bottom:18px;align-items:flex-start}
    .empanelled-head h3{font-size:27px;line-height:1.1}
    .empanelled-head span{font-size:11px;padding:7px 9px}
    .empanelled-items{grid-template-columns:1fr;gap:10px;margin-top:18px}
    .empanelled-items div{min-height:60px;padding:13px;font-size:15px}

    .mobile-menu{padding:8px}
    
    .hero-badge-top{top:12px;left:12px;padding:8px 11px;font-size:12px}
    .hero-badge-bottom{right:12px;bottom:12px;max-width:150px;padding:11px 13px;font-size:12px}
    .hero-badge-bottom .n{font-size:19px}
  }

  @media (prefers-reduced-motion:reduce){*{transition:none!important}}
  :focus-visible{outline:2px solid var(--blue-300);outline-offset:2px}
  .tab:focus{outline:none}
  .tab:focus-visible{outline:none;background:rgba(29,78,216,.06)}

.form-msg{margin-top:20px;padding:14px 16px;border-radius:5px;font-size:14px;line-height:1.5}
.form-msg-sent{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}
.form-msg-error{background:#FEF2F2;color:#991B1B;border:1px solid #FECACA}

  /* ---------- CLIENT LOGOS MARQUEE ---------- */
  .client-logos h2{margin:22px 0 0;font-family:var(--serif);font-weight:300;font-size:clamp(26px,3.6vw,40px);line-height:1.1}
  .marquee{overflow:hidden;margin-top:28px;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
  .marquee-track{display:flex;gap:20px;width:max-content;animation:marqueeLeft 34s linear infinite}
  .marquee-track-rev{animation-name:marqueeRight}
  .logo-slot{flex:none;width:216px;height:108px;border-radius:5px;background:#fff;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;padding:10px 14px}
  .logo-slot img{max-width:100%;max-height:100%;object-fit:contain}
  .marquee:hover .marquee-track{animation-play-state:paused}
  @keyframes marqueeLeft{from{transform:translateX(0)}to{transform:translateX(-50%)}}
  @keyframes marqueeRight{from{transform:translateX(-50%)}to{transform:translateX(0)}}
  @media (prefers-reduced-motion:reduce){.marquee-track{animation:none}}
  @media (max-width:640px){.logo-slot{width:160px;height:84px;padding:8px 12px}.marquee-track{gap:14px}}

@media (max-width:640px){.nav .logo{height:44px;padding:.27em 14px 0;font-size:22px}}

/* Home hero on tablets/phones: photo is hidden, so let the hero fit its content instead of filling the screen */
@media (max-width:820px){
  .hero{min-height:0}
}

/* Home hero on phones: content centred horizontally and vertically */
@media (max-width:640px){
  .hero-body{align-items:center}
  .hero-copy{text-align:center}
  .hero-copy h1,.hero-copy p{margin-left:auto;margin-right:auto}
  .hero-copy>div{justify-content:center}
  .hero-copy h1{max-width:none;font-size:clamp(32px,9vw,40px);line-height:1.15}
  .hero-copy h1 span{display:block}
  .hero-body .wrap{padding:48px 18px 56px}
  .hero-copy>div{margin-top:32px!important}
  .hero-copy>div .btn{margin-top:0}
}

/* ===== Client-copy update (Oct 2026) ===== */
  .hero-copy p+p{margin-top:14px}
  .hero-actions .btn{margin-top:0;width:auto;max-width:none}
  .btn.ghost{background:transparent;border:1px solid rgba(255,255,255,.45)}
  .btn.ghost:hover{background:rgba(255,255,255,.1);border-color:#fff}
  .vision-grid-4{grid-template-columns:repeat(4,1fr)}
  .vision-grid-4 .vcol{padding:38px 28px 42px}
  .vision-grid-4 .vcol .t{font-size:19px;line-height:1.3;margin:20px 0 16px}
  .client-logos .section-sub{margin:14px 0 0;font-size:16px;line-height:1.6;color:var(--slate-600);max-width:60ch}
  .post-guest{font-size:14px;color:var(--slate-600)}
  .yt-link{display:inline-block;margin-top:12px;font-size:14px;color:var(--blue);text-decoration:underline;text-underline-offset:3px}
  .yt-link:hover{color:var(--navy)}
  .visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
  @media (max-width:1100px){
    .vision-grid-4{grid-template-columns:repeat(2,1fr)}
    .vision-grid-4 .vcol:nth-child(3){border-left:0}
    .vision-grid-4 .vcol:nth-child(n+3){border-top:1px solid var(--line)}
  }
  @media (max-width:820px){
    .vision-grid-4{grid-template-columns:1fr}
    .vision-grid-4 .vcol+.vcol{border-left:0;border-top:1px solid var(--line)}
  }
  @media (max-width:640px){
    .hero-actions{flex-direction:column;align-items:center}
    .hero-actions .btn{width:100%;max-width:300px}
  }