:root {
  --navy-950: #071c3d;
  --navy-900: #0b2854;
  --navy-800: #163a72;
  --green-700: #138246;
  --green-600: #1a9650;
  --green-100: #e9f5ec;
  --gold-500: #d6a43b;
  --gold-100: #f7ebc8;
  --cream-100: #fbf8f1;
  --cream-200: #f3eee2;
  --surface: #ffffff;
  --surface-soft: #f8f8f6;
  --text-900: #122748;
  --text-700: #4f5f77;
  --text-500: #7f8b9d;
  --border: rgba(13, 39, 78, 0.1);
  --shadow-soft: 0 20px 55px rgba(10, 28, 60, 0.1);
  --shadow-card: 0 14px 35px rgba(10, 28, 60, 0.08);
  --radius-xl: 30px;
  --radius-lg: 22px;
  --radius-md: 16px;
  --shell-width: min(1700px, calc(100% - 40px));
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  min-width: 320px;
  overflow-x: hidden;
  font-family: "Manrope", sans-serif;
  color: var(--text-900);
  background:
    radial-gradient(circle at top left, rgba(214, 164, 59, 0.18), transparent 22%),
    radial-gradient(circle at 80% 18%, rgba(19, 130, 70, 0.12), transparent 18%),
    linear-gradient(180deg, #f5f2ec 0%, #f9f8f4 42%, #f1ede4 100%);
  line-height: 1.55;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  background:
    linear-gradient(90deg, rgba(255, 255, 255, 0.24), transparent 28%, transparent 72%, rgba(255, 255, 255, 0.24)),
    linear-gradient(180deg, rgba(255, 255, 255, 0.18), transparent 35%);
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

svg {
  display: block;
}

button,
input,
select,
textarea {
  font: inherit;
}

[id] {
  scroll-margin-top: 120px;
}

.page-glow {
  position: fixed;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  filter: blur(24px);
  pointer-events: none;
  opacity: 0.35;
}

.page-glow-left {
  top: 30px;
  left: -120px;
  background: rgba(214, 164, 59, 0.35);
}

.page-glow-right {
  right: -110px;
  top: 180px;
  background: rgba(19, 130, 70, 0.22);
}

.site-shell {
  position: relative;
  width: var(--shell-width);
  margin: 16px auto;
  overflow: hidden;
  border: 1px solid rgba(12, 31, 62, 0.12);
  border-radius: 28px;
  background: linear-gradient(180deg, #fffdf9 0%, #fff 22%, #fbfaf7 100%);
  box-shadow: 0 28px 80px rgba(11, 27, 57, 0.18);
}

.shell-inner {
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
}

.site-header {
  position: relative;
  z-index: 5;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(16px);
}

.topbar {
  background: linear-gradient(180deg, #0c274f 0%, #091f41 100%);
  color: #fff;
  font-size: 0.86rem;
}

.topbar-row,
.topbar-group,
.nav-row,
.social-links {
  display: flex;
  align-items: center;
}

.topbar-row {
  justify-content: space-between;
  min-height: 38px;
}

.topbar-group {
  gap: 12px;
  flex-wrap: wrap;
}

.topbar-link {
  font-weight: 700;
}

.topbar-separator {
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.6);
}

.social-links,
.footer-socials {
  gap: 8px;
}

.social-links a,
.footer-socials a {
  width: 24px;
  height: 24px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: 999px;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
}

.footer-socials a {
  width: 30px;
  height: 30px;
  border: none;
  background: transparent;
}

.footer-socials a img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.nav-row {
  justify-content: space-between;
  gap: 18px;
  min-height: 72px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
}

.brand-mark {
  width: 34px;
  height: 52px;
  flex: 0 0 auto;
}

.brand-text strong {
  position: relative;
  display: block;
  font-size: 2rem;
  line-height: 0.9;
  font-weight: 800;
  letter-spacing: -0.05em;
  color: var(--navy-900);
}

.brand-text strong span {
  color: var(--green-700);
}

.brand-text small {
  display: block;
  margin-top: 4px;
  color: var(--text-700);
  font-size: 0.86rem;
  font-weight: 600;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 10px;
}

.nav-links > a {
  position: relative;
  white-space: nowrap;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--text-900);
}

.nav-links > a.is-active::after,
.nav-links > a:not(.btn):hover::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -11px;
  height: 2px;
  border-radius: 999px;
  background: var(--green-700);
}

.nav-toggle {
  display: none;
  padding: 0;
  border: 0;
  background: transparent;
}

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  margin: 5px 0;
  border-radius: 999px;
  background: var(--navy-900);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 24px;
  border-radius: 10px;
  border: 1px solid transparent;
  font-weight: 800;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-primary {
  background: linear-gradient(180deg, var(--green-600) 0%, var(--green-700) 100%);
  color: #fff;
  box-shadow: 0 14px 28px rgba(17, 116, 58, 0.18);
}

.btn-secondary {
  gap: 10px;
  background: #fff;
  color: var(--navy-900);
  border-color: rgba(11, 40, 84, 0.24);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.5);
}

.btn-secondary::before {
  content: "";
  width: 16px;
  height: 16px;
  border: 2px solid currentColor;
  border-radius: 50%;
  box-shadow: inset 0 0 0 3px #fff;
}

.btn-accent {
  background: linear-gradient(180deg, #f0c45f 0%, #d6a43b 100%);
  color: var(--navy-950);
}

.btn-nav {
  min-height: 42px;
  padding-inline: 14px;
  white-space: nowrap;
  font-size: 0.82rem;
}

.hero-section {
  position: relative;
  padding: 30px 0 0;
  background:
    radial-gradient(circle at 12% 16%, rgba(255, 255, 255, 0.88), transparent 26%),
    radial-gradient(circle at 88% 10%, rgba(205, 222, 193, 0.26), transparent 16%),
    radial-gradient(circle at 64% 26%, rgba(223, 200, 170, 0.22), transparent 20%),
    linear-gradient(180deg, #fbf8f3 0%, #f2ebe1 52%, #eee4d6 100%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.04fr 1.16fr;
  gap: 26px;
  align-items: stretch;
}

.hero-copy {
  padding: 30px 0 18px;
}

.hero-kicker,
.section-kicker,
.consult-kicker {
  margin: 0 0 8px;
  font-size: 0.92rem;
  font-weight: 800;
  letter-spacing: 0.02em;
  color: var(--green-700);
}

.hero-copy h1 {
  margin: 0;
  font-size: clamp(2.5rem, 4vw, 4.4rem);
  line-height: 0.98;
  letter-spacing: -0.05em;
  color: var(--navy-900);
}

.hero-highlight {
  margin: 12px 0 0;
  font-size: clamp(1.55rem, 2.2vw, 2.45rem);
  line-height: 1.02;
  font-weight: 800;
  letter-spacing: -0.04em;
  color: var(--green-700);
}

.hero-summary {
  max-width: 520px;
  margin: 18px 0 0;
  color: var(--text-700);
  font-size: 1.04rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 26px;
}

.hero-art {
  position: relative;
  height: 440px;
  display: flex;
  align-items: flex-end;
  justify-content: flex-end;
  overflow: visible;
  background: transparent;
}

.hero-art::before {
  content: none;
}

.hero-art::after {
  content: none;
}

.hero-art-image {
  display: block;
  width: 118%;
  max-width: none;
  height: 100%;
  object-fit: cover;
  object-position: center bottom;
  transform: translate(4%, -24px);
  pointer-events: none;
  user-select: none;
}

.art-chart {
  position: absolute;
  display: flex;
  align-items: end;
  gap: 12px;
  opacity: 0.4;
}

.art-chart span {
  width: 22px;
  border-radius: 10px 10px 0 0;
  background: linear-gradient(180deg, rgba(77, 96, 127, 0.3) 0%, rgba(77, 96, 127, 0.55) 100%);
}

.art-chart-left {
  top: 135px;
  left: 58px;
}

.art-chart-left span:nth-child(1) {
  height: 54px;
}

.art-chart-left span:nth-child(2) {
  height: 90px;
}

.art-chart-left span:nth-child(3) {
  height: 124px;
}

.art-chart-left span:nth-child(4) {
  height: 156px;
}

.art-shield {
  position: absolute;
  top: 48px;
  left: 92px;
  color: rgba(18, 39, 72, 0.34);
}

.art-shield svg {
  width: 82px;
  height: 94px;
}

.art-tree {
  position: absolute;
  top: 22px;
  right: 54px;
  width: 156px;
  height: 210px;
}

.tree-canopy {
  position: absolute;
  inset: 0 0 auto;
  width: 156px;
  height: 128px;
  border-radius: 50% 50% 42% 42%;
  background:
    radial-gradient(circle at 32% 45%, rgba(186, 154, 55, 0.74), transparent 16%),
    radial-gradient(circle at 68% 34%, rgba(123, 142, 48, 0.82), transparent 20%),
    radial-gradient(circle at 50% 58%, rgba(116, 135, 41, 0.94), transparent 26%),
    radial-gradient(circle at 50% 50%, #72873a 0%, #887b2b 80%);
  filter: drop-shadow(0 14px 26px rgba(66, 74, 23, 0.2));
}

.tree-trunk {
  position: absolute;
  left: 74px;
  bottom: 18px;
  width: 10px;
  height: 96px;
  border-radius: 999px;
  background: linear-gradient(180deg, #8b6036 0%, #6e4928 100%);
}

.consult-scene {
  position: absolute;
  right: 30px;
  bottom: 0;
  left: 110px;
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 18px;
}

.family-card {
  position: relative;
  flex: 1 1 auto;
  min-height: 250px;
  padding: 28px 26px 20px;
  border-radius: 32px 32px 20px 20px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.82) 0%, rgba(246, 239, 229, 0.94) 100%);
  border: 1px solid rgba(19, 39, 74, 0.08);
  box-shadow: var(--shadow-card);
}

.people-group {
  display: flex;
  align-items: end;
  justify-content: center;
  gap: 16px;
  min-height: 164px;
}

.person {
  position: relative;
  border-radius: 38px 38px 20px 20px;
}

.person::before {
  content: "";
  position: absolute;
  top: -26px;
  left: 50%;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  transform: translateX(-50%);
  background: linear-gradient(180deg, #f0cfb3 0%, #e0b392 100%);
  box-shadow: inset 0 -8px 0 rgba(0, 0, 0, 0.06);
}

.person::after {
  content: "";
  position: absolute;
  top: -34px;
  left: 50%;
  width: 54px;
  height: 26px;
  border-radius: 32px 32px 10px 10px;
  transform: translateX(-50%);
  background: #32231a;
}

.person-dad {
  width: 92px;
  height: 122px;
  background: linear-gradient(180deg, #8eb3ea 0%, #5b82c4 100%);
}

.person-mom {
  width: 88px;
  height: 126px;
  background: linear-gradient(180deg, #fff5ec 0%, #d9c0a4 100%);
}

.person-child {
  width: 64px;
  height: 90px;
  border-radius: 28px 28px 14px 14px;
  background: linear-gradient(180deg, #f3d155 0%, #d2a72c 100%);
}

.person-child::before {
  width: 34px;
  height: 34px;
  top: -20px;
}

.person-child::after {
  width: 38px;
  height: 18px;
  top: -26px;
}

.scene-label {
  display: grid;
  gap: 4px;
  margin-top: 20px;
}

.scene-label strong {
  font-size: 1.02rem;
}

.scene-label span {
  color: var(--text-700);
  font-size: 0.92rem;
}

.advisor-card {
  position: relative;
  width: 270px;
  min-height: 310px;
}

.advisor-figure {
  position: absolute;
  right: 42px;
  bottom: 0;
  width: 154px;
  height: 270px;
  border-radius: 72px 72px 20px 20px;
  background: linear-gradient(180deg, #173561 0%, #0c2347 100%);
  box-shadow: 0 26px 40px rgba(6, 20, 45, 0.24);
}

.advisor-figure::before {
  content: "";
  position: absolute;
  top: -34px;
  left: 50%;
  width: 66px;
  height: 66px;
  border-radius: 50%;
  transform: translateX(-50%);
  background: linear-gradient(180deg, #efcca5 0%, #d8a77f 100%);
}

.advisor-figure::after {
  content: "";
  position: absolute;
  top: -46px;
  left: 50%;
  width: 74px;
  height: 34px;
  border-radius: 42px 42px 10px 10px;
  transform: translateX(-50%);
  background: #1f1f21;
}

.laptop-card {
  position: absolute;
  left: 0;
  bottom: 42px;
  width: 134px;
}

.laptop-screen {
  display: flex;
  align-items: end;
  gap: 8px;
  height: 92px;
  padding: 14px 12px 10px;
  border-radius: 12px 12px 4px 4px;
  background: linear-gradient(180deg, #fff 0%, #eff4ef 100%);
  border: 1px solid rgba(18, 39, 72, 0.12);
  box-shadow: 0 10px 20px rgba(14, 31, 60, 0.12);
}

.laptop-screen span {
  flex: 1 1 0;
  border-radius: 8px 8px 0 0;
  background: linear-gradient(180deg, #9dd18f 0%, #1d9b4b 100%);
}

.laptop-screen span:nth-child(1) {
  height: 28px;
}

.laptop-screen span:nth-child(2) {
  height: 44px;
}

.laptop-screen span:nth-child(3) {
  height: 58px;
}

.laptop-screen span:nth-child(4) {
  height: 70px;
}

.laptop-base {
  width: 148px;
  height: 10px;
  margin-left: -7px;
  border-radius: 0 0 18px 18px;
  background: linear-gradient(180deg, #d8dbdd 0%, #aeb5bb 100%);
}

.trust-strip {
  position: relative;
  z-index: 2;
  margin-top: -18px;
  padding: 8px 0;
  background: #fff;
}

.trust-panel {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0;
  padding: 12px 0;
  background: #fff;
  border: 1px solid rgba(26, 150, 80, 0.45);
  border-radius: 20px;
}

.trust-card {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 12px 16px;
}

.trust-card + .trust-card {
  border-left: 1px solid rgba(10, 31, 66, 0.08);
}

.trust-icon {
  width: 44px;
  height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0;
}

.trust-icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.trust-card strong {
  display: block;
  font-size: 0.95rem;
}

.trust-card span:last-child {
  color: var(--text-700);
  font-size: 0.86rem;
}

.content-grid {
  display: grid;
  grid-template-columns: 1.64fr 0.96fr;
  gap: 28px;
  padding: 42px 0 0;
}

.content-main,
.content-side {
  display: grid;
  gap: 22px;
  align-content: start;
}

.section-heading {
  margin-bottom: 4px;
}

.center-heading {
  text-align: center;
}

.section-heading h2,
.consult-card h2,
.contact-card h2,
.about-card h2 {
  margin: 0;
  font-size: clamp(1.6rem, 2.2vw, 2.35rem);
  line-height: 1.08;
  letter-spacing: -0.04em;
}

.center-heading h2 {
  max-width: 670px;
  margin-inline: auto;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.service-card,
.mini-card,
.process-card,
.about-card,
.contact-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.94);
  box-shadow: var(--shadow-card);
}

.service-card {
  min-height: 192px;
  padding: 22px 20px 20px;
}

.service-card h3,
.process-card h3 {
  margin: 16px 0 8px;
  font-size: 1.08rem;
}

.service-card p,
.mini-card p,
.process-card p,
.about-card p,
.contact-card address,
.hero-summary,
.form-note,
.form-status {
  margin: 0;
  color: var(--text-700);
}

.service-icon {
  width: 64px;
  height: 64px;
  display: flex;
  margin-inline: auto;
  align-items: center;
  justify-content: center;
  padding: 0;
}

.service-icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.info-section {
  display: grid;
  gap: 16px;
}

.reasons-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 14px;
}

.mini-card {
  padding: 16px 14px;
}

.mini-card strong {
  display: block;
  margin-bottom: 8px;
  font-size: 0.98rem;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
}

.process-card {
  position: relative;
  min-height: 190px;
  padding: 18px 16px 18px 18px;
}

.process-card::after {
  content: "\203A";
  position: absolute;
  top: 50%;
  right: -11px;
  width: 22px;
  height: 22px;
  display: grid;
  place-items: center;
  transform: translateY(-50%);
  border-radius: 50%;
  background: #fff1cf;
  color: var(--gold-500);
  font-size: 1.2rem;
  font-weight: 700;
}

.process-card:last-child::after {
  display: none;
}

.step-badge {
  width: 32px;
  height: 32px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: var(--green-700);
  color: #fff;
  font-size: 0.92rem;
  font-weight: 800;
}

.partners-section {
  position: relative;
  padding: 40px 12px 24px;
  border: 0;
  border-radius: 0;
  background:
    linear-gradient(180deg, rgba(252, 252, 250, 0.96) 0%, rgba(246, 245, 242, 0.96) 100%);
  box-shadow: none;
  overflow: hidden;
}

.partners-section::after {
  content: "";
  position: absolute;
  right: -6px;
  bottom: -14px;
  width: 420px;
  height: 340px;
  opacity: 0.1;
  background:
    linear-gradient(90deg, rgba(15, 41, 80, 0.22) 2px, transparent 2px) 0 0 / 28px 28px,
    linear-gradient(rgba(15, 41, 80, 0.22) 2px, transparent 2px) 0 0 / 28px 28px;
  transform: perspective(220px) rotateX(67deg);
  pointer-events: none;
}

.partners-heading {
  position: relative;
  z-index: 1;
  margin-bottom: 32px;
}

.partners-kicker {
  color: #ef8216;
  text-transform: uppercase;
  font-size: 0.92rem;
}

.partners-heading h2 {
  max-width: 1280px;
  font-size: clamp(2.15rem, 3.7vw, 3.95rem);
  line-height: 1.04;
  color: #05070a;
}

.partners-image-holder {
  position: relative;
  z-index: 1;
  min-height: 420px;
  overflow: hidden;
  border-radius: 20px;
  background: #fff;
}

.partners-image {
  display: block;
  width: 100%;
  height: auto;
}

.consult-card {
  display: grid;
  gap: 12px;
  padding: 26px 26px 20px;
  border-radius: 24px;
  background: linear-gradient(180deg, #0d2750 0%, #092142 100%);
  color: #fff;
  box-shadow: 0 24px 40px rgba(8, 25, 50, 0.22);
}

.consult-card h2 {
  color: #fff;
}

.consult-divider {
  width: 58px;
  height: 4px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--gold-500) 0%, #f4cb6d 100%);
}

.consult-card label {
  display: grid;
  gap: 8px;
}

.consult-card label span {
  font-size: 0.85rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.78);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.consult-card input,
.consult-card select,
.consult-card textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.96);
  color: var(--text-900);
}

.consult-card textarea {
  min-height: 96px;
  resize: vertical;
}

.btn-submit {
  width: 100%;
  margin-top: 4px;
}

.form-note,
.form-status {
  text-align: center;
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.86rem;
}

.form-status:empty {
  display: none;
}

.about-card,
.contact-card {
  padding: 24px;
}

.about-card {
  position: relative;
  overflow: hidden;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.97) 0%, rgba(249, 246, 239, 0.94) 100%);
}

.about-sketch {
  display: flex;
  align-items: end;
  gap: 10px;
  height: 82px;
  margin-top: 18px;
  opacity: 0.6;
}

.about-sketch span {
  display: block;
  flex: 1 1 0;
  border: 2px solid rgba(214, 164, 59, 0.8);
  border-bottom-width: 3px;
  border-radius: 12px 12px 0 0;
}

.about-sketch span:nth-child(1) {
  height: 28px;
}

.about-sketch span:nth-child(2) {
  height: 44px;
}

.about-sketch span:nth-child(3) {
  height: 66px;
}

.about-sketch span:nth-child(4) {
  height: 50px;
}

.about-sketch span:nth-child(5) {
  height: 34px;
}

.contact-card {
  display: grid;
  gap: 12px;
}

.contact-card address {
  font-style: normal;
}

.contact-phone {
  font-size: 1.8rem;
  font-weight: 800;
  letter-spacing: -0.04em;
  color: var(--navy-900);
}

@media (min-width: 1101px) {
  .content-grid {
    grid-template-columns: 1fr;
  }

  .services-grid {
    grid-template-columns: repeat(6, minmax(0, 1fr));
    gap: 14px;
  }

  .service-card {
    min-height: 0;
    padding: 20px 16px 18px;
  }

  .service-card h3 {
    margin-top: 14px;
    font-size: 0.98rem;
  }

  .service-card p {
    font-size: 0.9rem;
    line-height: 1.5;
  }

  .service-icon {
    width: 56px;
    height: 56px;
  }

  .content-side {
    grid-template-columns: 1.45fr 1fr 1fr;
    align-items: start;
  }

  .consult-card {
    grid-column: auto;
  }
}

.advisor-strip {
  padding: 26px 0 0;
}

.advisor-card-wide {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 18px 26px;
  border-radius: 18px 18px 0 0;
  background: linear-gradient(180deg, #1a9650 0%, #138246 100%);
  color: #fff;
}

.advisor-copy {
  display: grid;
  gap: 4px;
}

.advisor-copy p {
  margin: 0;
  font-size: 1.1rem;
  font-weight: 800;
}

.advisor-copy span {
  color: rgba(255, 255, 255, 0.78);
}

.site-footer {
  background: linear-gradient(180deg, #0b2347 0%, #081a37 100%);
  color: #fff;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.45fr 0.9fr 1fr 1fr 0.95fr;
  gap: 28px;
  padding: 24px 0 20px;
}

.site-footer h3 {
  margin: 0 0 14px;
  font-size: 1rem;
}

.site-footer section {
  display: grid;
  align-content: start;
  gap: 10px;
}

.footer-brand .brand-text strong,
.footer-brand .brand-text small {
  color: #fff;
}

.footer-brand .brand-text strong span {
  color: #7ed28e;
}

.footer-brand p,
.site-footer section p,
.footer-bottom p {
  margin: 0;
  color: rgba(255, 255, 255, 0.78);
}

.footer-badge {
  padding: 12px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.03);
  color: var(--gold-500);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.02);
  overflow: hidden;
}

.footer-badge-image {
  display: block;
  width: 140%;
  max-width: none;
  height: auto;
  border-radius: 14px;
  margin-left: -20%;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 0 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.78rem;
}

@media (max-width: 1320px) {
  .nav-links {
    gap: 8px;
  }

  .nav-links > a {
    font-size: 0.78rem;
  }

  .footer-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .footer-brand {
    grid-column: 1 / -1;
  }
}

@media (max-width: 1180px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 22px;
  }

  .hero-copy {
    padding-bottom: 0;
  }

  .hero-summary {
    max-width: 680px;
  }

  .hero-art {
    height: 400px;
  }

  .partners-image-holder {
    min-height: 360px;
  }

}

@media (max-width: 1100px) {
  .content-grid {
    grid-template-columns: 1fr;
    padding-top: 32px;
  }

  .content-side {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .consult-card {
    grid-column: 1 / -1;
  }

  .services-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .reasons-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .service-card,
  .process-card {
    min-height: 0;
  }

  .partners-heading h2 {
    max-width: 760px;
  }

}

@media (max-width: 860px) {
  :root {
    --shell-width: min(100%, calc(100% - 16px));
  }

  .site-shell {
    margin: 8px auto;
    border-radius: 20px;
  }

  .shell-inner {
    width: min(100%, calc(100% - 28px));
  }

  .nav-row {
    position: relative;
    min-height: auto;
    padding: 14px 0;
  }

  .brand {
    flex: 1 1 auto;
    min-width: 0;
    max-width: none;
  }

  .nav-toggle {
    width: 42px;
    height: 42px;
    display: inline-flex;
    flex: 0 0 42px;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    margin-left: 12px;
    border-radius: 12px;
  }

  .nav-toggle span {
    margin: 3px 0;
  }

  .nav-links {
    position: absolute;
    top: calc(100% + 10px);
    right: 14px;
    left: 14px;
    z-index: 10;
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 16px;
    border: 1px solid rgba(11, 40, 84, 0.1);
    border-radius: 18px;
    background: rgba(255, 255, 255, 0.98);
    box-shadow: 0 18px 40px rgba(10, 26, 55, 0.14);
  }

  .nav-links.active {
    display: flex;
  }

  .nav-links > a,
  .nav-links .btn-nav {
    width: 100%;
  }

  .nav-links > a.is-active::after,
  .nav-links > a:not(.btn):hover::after {
    display: none;
  }

  .hero-grid {
    gap: 18px;
  }

  .hero-copy {
    padding: 8px 0 0;
  }

  .hero-copy h1 {
    font-size: clamp(2.1rem, 10vw, 3.4rem);
  }

  .hero-highlight {
    font-size: clamp(1.35rem, 5.8vw, 2rem);
  }

  .hero-summary {
    max-width: none;
    font-size: 1rem;
  }

  .hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .hero-art {
    height: 240px;
    border-radius: 24px;
    overflow: hidden;
    justify-content: center;
  }

  .hero-art-image {
    width: 100%;
    max-width: none;
    height: 100%;
    object-fit: cover;
    object-position: center bottom;
    transform: none;
  }

  .trust-strip,
  .content-side,
  .footer-grid,
  .footer-bottom {
    grid-template-columns: 1fr;
  }

  .trust-panel {
    grid-template-columns: 1fr 1fr;
  }

  .trust-card + .trust-card {
    border-left: 0;
  }

  .trust-card:nth-child(n + 3) {
    border-top: 1px solid rgba(10, 31, 66, 0.08);
  }

  .service-card,
  .mini-card,
  .process-card,
  .about-card,
  .contact-card {
    padding: 18px;
  }

  .consult-card {
    padding: 22px 20px 18px;
  }

  .advisor-card-wide,
  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }

  .partners-section {
    padding: 28px 18px 26px;
  }

  .partners-image-holder {
    min-height: 300px;
  }
}

@media (max-width: 640px) {
  .topbar {
    font-size: 0.8rem;
  }

  .topbar-row {
    padding: 10px 0 8px;
    align-items: flex-start;
  }

  .topbar-row,
  .topbar-group {
    flex-direction: column;
    gap: 6px;
  }

  .topbar-separator {
    display: none;
  }

  .brand-text strong {
    font-size: 1.6rem;
  }

  .brand-text small {
    font-size: 0.78rem;
  }

  .brand {
    gap: 10px;
  }

  .brand-mark {
    width: 28px;
    height: 44px;
  }

  .hero-section {
    padding-top: 12px;
  }

  .hero-art {
    height: 170px;
    border-radius: 20px;
  }

  .hero-copy {
    padding-top: 4px;
  }

  .hero-copy h1 {
    font-size: clamp(1.78rem, 10.2vw, 2.45rem);
    line-height: 0.96;
  }

  .hero-highlight {
    margin-top: 10px;
    line-height: 1;
  }

  .hero-summary {
    margin-top: 10px;
    font-size: 0.93rem;
    line-height: 1.45;
  }

  .hero-actions,
  .form-row,
  .services-grid,
  .reasons-grid,
  .process-grid {
    grid-template-columns: 1fr;
  }

  .trust-panel {
    grid-template-columns: 1fr;
    padding: 10px 14px;
  }

  .partners-section {
    padding: 24px 8px 22px;
  }

  .partners-image-holder {
    min-height: 220px;
    border-radius: 16px;
  }

  .partners-heading h2 {
    font-size: clamp(1.6rem, 8vw, 2.15rem);
  }

  .trust-card {
    align-items: flex-start;
    padding: 12px 8px;
  }

  .trust-card:nth-child(n + 2) {
    border-top: 1px solid rgba(10, 31, 66, 0.08);
  }

  .trust-icon {
    width: 36px;
    height: 36px;
    flex: 0 0 36px;
  }

  .hero-actions .btn,
  .advisor-card-wide .btn {
    width: 100%;
  }

  .hero-actions {
    margin-top: 18px;
    gap: 10px;
  }

  .hero-actions .btn {
    min-height: 44px;
    padding-inline: 18px;
  }

  .hero-art {
    height: 220px;
    border-radius: 22px;
    margin-top: 10px;
  }

  .hero-art-image {
    width: 144%;
    transform: translate(8%, -62px);
  }

  .trust-card,
  .service-card,
  .mini-card,
  .process-card,
  .about-card,
  .contact-card,
  .consult-card {
    border-radius: 18px;
  }

  .process-card::after {
    display: none;
  }

  .contact-phone {
    font-size: 1.45rem;
  }
}

@media (max-width: 480px) {
  .shell-inner {
    width: min(100%, calc(100% - 20px));
  }

  .hero-copy h1 {
    font-size: clamp(1.9rem, 11vw, 2.7rem);
  }

  .hero-highlight {
    font-size: clamp(1.2rem, 7vw, 1.7rem);
  }

  .hero-summary {
    font-size: 0.96rem;
  }

  .hero-art {
    height: 176px;
    margin-top: 14px;
  }

  .hero-art-image {
    width: 152%;
    transform: translate(8%, 24px);
  }

}

.insurance-page {
  padding-bottom: 26px;
}

.insurance-hero-banner {
  position: relative;
  padding: 34px 0 26px;
  background:
    radial-gradient(circle at 18% 22%, rgba(255, 255, 255, 0.92), transparent 22%),
    radial-gradient(circle at 86% 18%, rgba(192, 220, 255, 0.5), transparent 24%),
    linear-gradient(180deg, #f5f9ff 0%, #edf5fe 52%, #eef4fb 100%);
}

.insurance-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.84fr) minmax(0, 1.16fr);
  gap: 28px;
  align-items: center;
}

.insurance-hero-copy h1 {
  margin: 0 0 14px;
  font-size: clamp(2.5rem, 4vw, 4rem);
  line-height: 0.98;
  letter-spacing: -0.05em;
  color: var(--navy-900);
}

.insurance-breadcrumb {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
  color: var(--text-700);
  font-size: 0.94rem;
  font-weight: 600;
}

.insurance-breadcrumb strong {
  color: var(--green-700);
}

.insurance-hero-summary {
  max-width: 460px;
  margin: 0;
  color: var(--text-700);
  font-size: 1.14rem;
}

.insurance-hero-visual {
  position: relative;
  min-height: 250px;
  border-radius: 26px;
  overflow: hidden;
  background:
    radial-gradient(circle at 70% 28%, rgba(255, 255, 255, 0.8), transparent 26%),
    linear-gradient(180deg, rgba(228, 239, 252, 0.95) 0%, rgba(212, 227, 246, 0.96) 100%);
}

.insurance-hero-visual::before {
  content: "";
  position: absolute;
  inset: auto 0 0 0;
  height: 42%;
  background: linear-gradient(180deg, rgba(137, 169, 212, 0), rgba(144, 170, 205, 0.16));
}

.insurance-hero-skyline {
  position: absolute;
  right: 34px;
  bottom: 42px;
  display: flex;
  align-items: end;
  gap: 12px;
  opacity: 0.32;
}

.insurance-hero-skyline span {
  width: 20px;
  border-radius: 10px 10px 0 0;
  background: linear-gradient(180deg, rgba(67, 102, 156, 0.45) 0%, rgba(67, 102, 156, 0.75) 100%);
}

.insurance-hero-skyline span:nth-child(1) {
  height: 46px;
}

.insurance-hero-skyline span:nth-child(2) {
  height: 72px;
}

.insurance-hero-skyline span:nth-child(3) {
  height: 98px;
}

.insurance-hero-skyline span:nth-child(4) {
  height: 82px;
}

.insurance-hero-skyline span:nth-child(5) {
  height: 126px;
}

.insurance-hero-skyline span:nth-child(6) {
  height: 152px;
}

.insurance-hero-shield {
  position: absolute;
  top: 26px;
  right: 250px;
  width: 122px;
  height: 148px;
  border: 8px solid rgba(113, 150, 200, 0.24);
  border-radius: 34px 34px 44px 44px;
  clip-path: polygon(50% 0, 100% 12%, 100% 58%, 50% 100%, 0 58%, 0 12%);
}

.insurance-hero-ghost {
  position: absolute;
  right: 18px;
  bottom: -46px;
  width: 76%;
  max-width: none;
  opacity: 0.22;
  filter: grayscale(1) saturate(0) brightness(1.28);
  mix-blend-mode: multiply;
}

.insurance-layout {
  display: grid;
  grid-template-columns: 270px minmax(0, 1fr);
  gap: 30px;
  padding: 24px 0 0;
  align-items: start;
}

.life-insurance-page .insurance-hero-banner {
  padding: 28px 0 34px;
  background:
    radial-gradient(circle at 12% 22%, rgba(31, 91, 203, 0.2), transparent 18%),
    radial-gradient(circle at 92% 14%, rgba(24, 111, 255, 0.22), transparent 16%),
    linear-gradient(180deg, #010916 0%, #04142e 54%, #020b1a 100%);
  overflow: hidden;
}

.life-insurance-page .insurance-hero-banner::before,
.life-insurance-page .insurance-hero-banner::after {
  content: "";
  position: absolute;
  pointer-events: none;
}

.life-insurance-page .insurance-hero-banner::before {
  left: -6%;
  right: 38%;
  bottom: 26px;
  height: 112px;
  background:
    radial-gradient(circle at 12% 78%, rgba(40, 122, 255, 0.16), transparent 46%),
    repeating-radial-gradient(circle at 10% 80%, rgba(35, 108, 255, 0.2) 0 1px, transparent 1px 13px);
  opacity: 0.52;
  mask: linear-gradient(180deg, transparent 0%, rgba(0, 0, 0, 0.92) 30%, rgba(0, 0, 0, 0.92) 100%);
}

.life-insurance-page .insurance-hero-banner::after {
  inset: auto auto 68px 52%;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(34, 114, 255, 0.22), transparent 68%);
  filter: blur(32px);
  opacity: 0.32;
}

.life-insurance-page .insurance-hero-grid {
  position: relative;
  grid-template-columns: minmax(0, 0.78fr) minmax(0, 1.22fr);
  gap: 28px;
  padding: 26px 24px 22px;
  border-radius: 40px;
  overflow: hidden;
  background:
    radial-gradient(circle at 18% 20%, rgba(22, 83, 194, 0.16), transparent 28%),
    linear-gradient(135deg, rgba(1, 12, 31, 0.96) 0%, rgba(4, 26, 67, 0.94) 56%, rgba(3, 22, 58, 0.98) 100%);
  box-shadow:
    inset 0 0 0 1px rgba(46, 113, 255, 0.18),
    0 28px 60px rgba(1, 6, 18, 0.42);
}

.life-insurance-page .insurance-hero-copy {
  position: relative;
  z-index: 1;
  padding: 6px 0 6px 8px;
}

.life-hero-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 54px;
  height: 54px;
  margin-bottom: 16px;
  border-radius: 20px;
  border: 1px solid rgba(67, 142, 255, 0.38);
  background: linear-gradient(180deg, rgba(7, 33, 83, 0.84) 0%, rgba(3, 17, 46, 0.88) 100%);
  box-shadow:
    inset 0 0 18px rgba(32, 119, 255, 0.12),
    0 0 22px rgba(32, 119, 255, 0.14);
}

.life-hero-badge img {
  width: 24px;
  height: 24px;
  object-fit: contain;
  filter: hue-rotate(154deg) saturate(0.78) brightness(1.18);
}

.life-insurance-page .insurance-hero-copy h1 {
  margin-bottom: 12px;
  color: #f6fbff;
  font-size: clamp(2.55rem, 4.15vw, 4.15rem);
  line-height: 0.92;
  letter-spacing: -0.06em;
  text-shadow: 0 10px 22px rgba(0, 0, 0, 0.26);
}

.life-insurance-page .insurance-breadcrumb {
  margin-bottom: 18px;
  color: rgba(232, 239, 255, 0.78);
  font-size: 0.92rem;
}

.life-insurance-page .insurance-breadcrumb a,
.life-insurance-page .insurance-breadcrumb span {
  color: inherit;
}

.life-insurance-page .insurance-breadcrumb strong {
  color: #2fd47a;
}

.life-insurance-page .insurance-hero-summary {
  max-width: 480px;
  color: rgba(229, 238, 255, 0.86);
  font-size: 1.02rem;
  line-height: 1.58;
}

.life-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 22px;
}

.life-hero-primary,
.life-hero-secondary {
  min-height: 56px;
  padding-inline: 24px;
  border-radius: 14px;
  font-size: 0.98rem;
}

.life-hero-primary {
  box-shadow:
    0 18px 34px rgba(14, 112, 53, 0.2),
    inset 0 0 0 1px rgba(220, 255, 228, 0.14);
}

.life-hero-primary::after {
  content: "\2192";
  margin-left: 14px;
  font-size: 1.4rem;
  line-height: 1;
}

.life-hero-secondary {
  background: rgba(5, 20, 52, 0.72);
  color: #f6fbff;
  border-color: rgba(48, 129, 255, 0.8);
  box-shadow:
    inset 0 0 0 1px rgba(106, 177, 255, 0.08),
    0 0 26px rgba(22, 101, 235, 0.12);
}

.life-hero-secondary::before {
  box-shadow: inset 0 0 0 3px rgba(7, 24, 56, 0.94);
}

.life-insurance-page .insurance-hero-visual {
  min-height: 342px;
  border-radius: 34px;
  border: 1px solid rgba(46, 121, 255, 0.48);
  background:
    radial-gradient(circle at 92% 2%, rgba(70, 165, 255, 0.58), transparent 12%),
    radial-gradient(circle at 70% 38%, rgba(25, 105, 240, 0.18), transparent 28%),
    linear-gradient(180deg, rgba(2, 22, 61, 0.98) 0%, rgba(3, 26, 69, 0.98) 100%);
  box-shadow:
    inset 0 0 0 1px rgba(40, 112, 255, 0.14),
    0 0 42px rgba(19, 93, 228, 0.16);
}

.life-insurance-page .insurance-hero-visual::before {
  inset: 0;
  height: auto;
  background:
    radial-gradient(circle at 50% 18%, rgba(70, 145, 255, 0.16), transparent 16%),
    linear-gradient(180deg, rgba(3, 16, 43, 0.08) 0%, rgba(6, 22, 58, 0.32) 100%);
}

.life-insurance-page .insurance-hero-visual::after {
  content: "";
  position: absolute;
  inset: 18px;
  border-radius: 24px;
  border: 1px solid rgba(39, 116, 243, 0.18);
  opacity: 0.42;
}

.life-insurance-page .insurance-hero-skyline {
  right: 42px;
  bottom: 54px;
  gap: 14px;
  opacity: 1;
  z-index: 1;
}

.life-insurance-page .insurance-hero-skyline span {
  width: 28px;
  border-radius: 14px 14px 0 0;
  background: linear-gradient(180deg, rgba(65, 159, 255, 0.92) 0%, rgba(30, 108, 228, 0.32) 100%);
  box-shadow:
    inset 0 0 12px rgba(154, 217, 255, 0.18),
    0 0 20px rgba(43, 142, 255, 0.18);
}

.life-insurance-page .insurance-hero-skyline span:nth-child(1) {
  height: 46px;
}

.life-insurance-page .insurance-hero-skyline span:nth-child(2) {
  height: 76px;
}

.life-insurance-page .insurance-hero-skyline span:nth-child(3) {
  height: 112px;
}

.life-insurance-page .insurance-hero-skyline span:nth-child(4) {
  height: 94px;
}

.life-insurance-page .insurance-hero-skyline span:nth-child(5) {
  height: 142px;
}

.life-insurance-page .insurance-hero-skyline span:nth-child(6) {
  height: 196px;
}

.life-insurance-page .insurance-hero-shield {
  top: 34px;
  left: 50%;
  right: auto;
  width: 154px;
  height: 186px;
  border-width: 2px;
  border-color: rgba(43, 129, 255, 0.42);
  transform: translateX(-52%);
  opacity: 0.75;
  box-shadow: 0 0 28px rgba(31, 118, 255, 0.12);
}

.life-insurance-page .insurance-hero-shield::before {
  content: "";
  position: absolute;
  inset: 14px;
  border: 1px solid rgba(42, 121, 246, 0.32);
  border-radius: 18px 18px 26px 26px;
  clip-path: polygon(50% 0, 100% 12%, 100% 58%, 50% 100%, 0 58%, 0 12%);
}

.life-insurance-page .insurance-hero-ghost {
  left: 2px;
  right: auto;
  bottom: -2px;
  width: 96%;
  opacity: 0.98;
  filter: none;
  mix-blend-mode: normal;
  z-index: 2;
}

.insurance-sidebar {
  position: sticky;
  top: 118px;
  display: grid;
  gap: 18px;
}

.toc-card,
.insurance-side-cta,
.li-section,
.insurance-feature-image {
  border: 1px solid var(--border);
  border-radius: 24px;
  background: rgba(255, 255, 255, 0.96);
  box-shadow: var(--shadow-card);
}

.toc-card {
  overflow: hidden;
}

.toc-card-title {
  padding: 18px 20px;
  background: linear-gradient(180deg, #0d2750 0%, #082040 100%);
  color: #fff;
  font-size: 1.35rem;
  font-weight: 800;
  text-align: center;
}

.toc-links {
  display: grid;
}

.toc-links a {
  position: relative;
  padding: 16px 20px 16px 48px;
  border-top: 1px solid rgba(9, 32, 64, 0.08);
  color: var(--text-900);
  font-size: 0.98rem;
  font-weight: 600;
  transition: background 160ms ease, color 160ms ease;
}

.toc-links a::before {
  content: "";
  position: absolute;
  left: 18px;
  top: 50%;
  width: 16px;
  height: 16px;
  border: 2px solid var(--green-700);
  border-radius: 50%;
  transform: translateY(-50%);
}

.toc-links a:hover {
  background: rgba(19, 130, 70, 0.05);
  color: var(--green-700);
}

.insurance-side-cta {
  padding: 24px 22px 22px;
  background: linear-gradient(180deg, #1a9650 0%, #138246 100%);
  color: #fff;
}

.insurance-side-cta h2 {
  margin: 0 0 10px;
  font-size: 2rem;
  line-height: 1.02;
  letter-spacing: -0.04em;
}

.insurance-side-cta p {
  margin: 0;
  color: rgba(255, 255, 255, 0.82);
}

.insurance-side-cta-art {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 16px;
  margin: 22px 0 20px;
}

.insurance-side-cta-art img:first-child {
  width: 86px;
  filter: brightness(0) invert(1);
  opacity: 0.96;
}

.insurance-side-cta-art img:last-child {
  width: 48px;
  opacity: 0.9;
}

.insurance-side-cta-button {
  width: 100%;
  border-color: rgba(255, 255, 255, 0.34);
  background: #fff;
  color: var(--navy-900);
}

.insurance-content {
  display: grid;
  gap: 18px;
}

.insurance-feature-image {
  overflow: hidden;
  min-height: 280px;
}

.insurance-feature-image img {
  width: 100%;
  height: 100%;
  min-height: 280px;
  object-fit: cover;
  object-position: center 56%;
}

.li-section {
  padding: 22px 24px;
}

.li-section h2 {
  margin: 0 0 10px;
  font-size: 1.85rem;
  line-height: 1.05;
  letter-spacing: -0.04em;
}

.li-section p,
.li-bullet-list,
.insurance-term-card p,
.insurance-benefit-card p {
  margin: 0;
  color: var(--text-700);
}

.li-section-heading {
  display: grid;
  grid-template-columns: 56px minmax(0, 1fr);
  gap: 16px;
  align-items: start;
}

.li-icon-badge {
  width: 56px;
  height: 56px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: linear-gradient(180deg, rgba(233, 245, 236, 0.96) 0%, rgba(245, 250, 246, 1) 100%);
  border: 1px solid rgba(19, 130, 70, 0.16);
}

.li-icon-badge img {
  width: 30px;
  height: 30px;
  object-fit: contain;
}

.li-bullet-list {
  padding-left: 18px;
  display: grid;
  gap: 8px;
}

.insurance-terms-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 18px;
}

.insurance-term-card {
  padding: 14px 16px;
  border: 1px solid rgba(13, 39, 78, 0.1);
  border-radius: 16px;
  background: linear-gradient(180deg, #fff 0%, #fbfcff 100%);
}

.insurance-term-card h3,
.insurance-benefit-card h3 {
  margin: 0 0 6px;
  font-size: 1rem;
}

.insurance-benefits-grid {
  position: relative;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0 24px;
  margin-top: 18px;
}

.insurance-benefits-grid::before {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  left: 50%;
  width: 1px;
  background: rgba(13, 39, 78, 0.1);
}

.insurance-benefit-card {
  position: relative;
  padding: 14px 0 14px 50px;
}

.insurance-benefit-card::before {
  content: "";
  position: absolute;
  left: 0;
  top: 16px;
  width: 34px;
  height: 34px;
  border-radius: 12px;
  background:
    radial-gradient(circle at 65% 35%, rgba(214, 164, 59, 0.5), transparent 20%),
    linear-gradient(180deg, rgba(233, 245, 236, 1) 0%, rgba(245, 250, 246, 1) 100%);
  border: 1px solid rgba(19, 130, 70, 0.14);
}

.insurance-benefit-card:nth-child(n + 3) {
  border-top: 1px solid rgba(13, 39, 78, 0.08);
}

.insurance-advisor-strip {
  padding-top: 24px;
}

@media (max-width: 1180px) {
  .insurance-hero-grid {
    grid-template-columns: 1fr;
  }

  .life-insurance-page .insurance-hero-grid {
    grid-template-columns: 1fr;
  }

  .insurance-hero-visual {
    min-height: 230px;
  }

  .insurance-hero-shield {
    right: 200px;
  }

  .insurance-layout {
    grid-template-columns: 1fr;
  }

  .insurance-sidebar {
    position: static;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    align-items: start;
  }

  .life-insurance-page .insurance-hero-grid {
    gap: 24px;
    padding: 24px 20px 20px;
  }

  .life-insurance-page .insurance-hero-copy {
    padding: 0;
  }

  .life-insurance-page .insurance-hero-visual {
    min-height: 300px;
  }

  .life-insurance-page .insurance-hero-shield {
    top: 28px;
    right: auto;
    left: 50%;
  }

  .life-insurance-page .insurance-hero-ghost {
    width: 94%;
    left: 0;
    right: auto;
  }
}

@media (max-width: 860px) {
  .insurance-hero-banner {
    padding: 24px 0 20px;
  }

  .insurance-hero-copy h1 {
    font-size: clamp(2.1rem, 9vw, 3.2rem);
  }

  .insurance-hero-summary {
    max-width: none;
    font-size: 1rem;
  }

  .insurance-hero-visual {
    min-height: 200px;
  }

  .insurance-hero-skyline {
    right: 20px;
    gap: 8px;
  }

  .insurance-hero-skyline span {
    width: 14px;
  }

  .insurance-hero-shield {
    right: 140px;
    width: 92px;
    height: 112px;
    border-width: 6px;
  }

  .insurance-hero-ghost {
    width: 96%;
    right: -18px;
  }

  .insurance-sidebar {
    grid-template-columns: 1fr;
  }

  .li-section {
    padding: 20px;
  }

  .li-section h2 {
    font-size: 1.55rem;
  }

  .life-insurance-page .insurance-hero-banner {
    padding: 18px 0 24px;
  }

  .life-insurance-page .insurance-hero-grid {
    grid-template-columns: 1fr;
    padding: 26px 20px 22px;
    border-radius: 28px;
  }

  .life-insurance-page .insurance-hero-copy h1 {
    font-size: clamp(2.7rem, 12vw, 4rem);
  }

  .life-insurance-page .insurance-breadcrumb {
    margin-bottom: 20px;
  }

  .life-insurance-page .insurance-hero-summary {
    font-size: 1rem;
    line-height: 1.6;
  }

  .life-hero-badge {
    width: 56px;
    height: 56px;
    margin-bottom: 18px;
  }

  .life-hero-actions {
    gap: 12px;
    margin-top: 24px;
  }

  .life-hero-primary,
  .life-hero-secondary {
    width: 100%;
    min-height: 56px;
    padding-inline: 20px;
  }

  .life-insurance-page .insurance-hero-visual {
    min-height: 330px;
    border-radius: 24px;
  }

  .life-insurance-page .insurance-hero-skyline {
    right: 24px;
    bottom: 52px;
    gap: 10px;
  }

  .life-insurance-page .insurance-hero-skyline span {
    width: 22px;
  }

  .life-insurance-page .insurance-hero-skyline span:nth-child(1) {
    height: 52px;
  }

  .life-insurance-page .insurance-hero-skyline span:nth-child(2) {
    height: 84px;
  }

  .life-insurance-page .insurance-hero-skyline span:nth-child(3) {
    height: 126px;
  }

  .life-insurance-page .insurance-hero-skyline span:nth-child(4) {
    height: 104px;
  }

  .life-insurance-page .insurance-hero-skyline span:nth-child(5) {
    height: 156px;
  }

  .life-insurance-page .insurance-hero-skyline span:nth-child(6) {
    height: 208px;
  }

  .life-insurance-page .insurance-hero-shield {
    top: 34px;
    width: 146px;
    height: 174px;
    border-width: 2px;
  }

  .life-insurance-page .insurance-hero-ghost {
    width: 120%;
    left: -8%;
    right: auto;
  }
}

@media (max-width: 640px) {
  .insurance-breadcrumb {
    flex-wrap: wrap;
    gap: 8px;
    font-size: 0.86rem;
  }

  .insurance-hero-visual {
    min-height: 170px;
    border-radius: 20px;
  }

  .insurance-hero-shield {
    right: 86px;
    top: 22px;
    width: 74px;
    height: 90px;
  }

  .insurance-hero-ghost {
    width: 124%;
    right: -70px;
    bottom: -36px;
  }

  .toc-card-title {
    font-size: 1.12rem;
  }

  .toc-links a {
    padding: 14px 16px 14px 42px;
    font-size: 0.92rem;
  }

  .insurance-side-cta h2 {
    font-size: 1.7rem;
  }

  .insurance-feature-image {
    min-height: 220px;
  }

  .insurance-feature-image img {
    min-height: 220px;
    object-position: 58% 55%;
  }

  .li-section-heading {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .li-icon-badge {
    width: 48px;
    height: 48px;
  }

  .insurance-terms-grid,
  .insurance-benefits-grid {
    grid-template-columns: 1fr;
  }

  .insurance-benefits-grid::before {
    display: none;
  }

  .insurance-benefit-card {
    padding-left: 46px;
  }

  .insurance-benefit-card:nth-child(n + 2) {
    border-top: 1px solid rgba(13, 39, 78, 0.08);
  }

  .life-insurance-page .insurance-hero-grid {
    grid-template-columns: 1fr;
    padding: 22px 16px 18px;
    border-radius: 24px;
  }

  .life-insurance-page .insurance-hero-copy h1 {
    font-size: clamp(2.45rem, 12vw, 3.3rem);
  }

  .life-insurance-page .insurance-hero-visual {
    min-height: 250px;
    border-radius: 20px;
  }

  .life-insurance-page .insurance-hero-visual::after {
    inset: 14px;
    border-radius: 18px;
  }

  .life-insurance-page .insurance-hero-skyline {
    right: 16px;
    bottom: 34px;
    gap: 8px;
  }

  .life-insurance-page .insurance-hero-skyline span {
    width: 15px;
  }

  .life-insurance-page .insurance-hero-skyline span:nth-child(1) {
    height: 34px;
  }

  .life-insurance-page .insurance-hero-skyline span:nth-child(2) {
    height: 58px;
  }

  .life-insurance-page .insurance-hero-skyline span:nth-child(3) {
    height: 86px;
  }

  .life-insurance-page .insurance-hero-skyline span:nth-child(4) {
    height: 72px;
  }

  .life-insurance-page .insurance-hero-skyline span:nth-child(5) {
    height: 108px;
  }

  .life-insurance-page .insurance-hero-skyline span:nth-child(6) {
    height: 146px;
  }

  .life-insurance-page .insurance-hero-shield {
    top: 24px;
    width: 102px;
    height: 124px;
  }

  .life-insurance-page .insurance-hero-ghost {
    width: 142%;
    left: -24%;
    right: auto;
  }
}

.health-page {
  padding-bottom: 28px;
}

.health-hero-banner {
  position: relative;
  padding: 0;
  background: linear-gradient(90deg, #082447 0%, #0e396d 46%, #1761a0 100%);
  overflow: hidden;
}

.health-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.86fr) minmax(0, 1.14fr);
  gap: 24px;
  align-items: center;
  min-height: 286px;
  padding: 34px 0;
}

.health-hero-copy {
  position: relative;
  z-index: 1;
  color: #fff;
}

.health-hero-copy h1 {
  margin: 0 0 14px;
  font-size: clamp(2.6rem, 4.2vw, 4.3rem);
  line-height: 0.98;
  letter-spacing: -0.05em;
}

.health-breadcrumb,
.health-breadcrumb a,
.health-breadcrumb span {
  color: rgba(255, 255, 255, 0.82);
}

.health-breadcrumb strong {
  color: #7ed28e;
}

.health-hero-summary {
  max-width: 500px;
  margin: 0;
  color: rgba(255, 255, 255, 0.88);
  font-size: 1.08rem;
}

.health-hero-visual {
  position: relative;
  min-height: 250px;
}

.health-hero-visual::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 74% 26%, rgba(255, 255, 255, 0.18), transparent 16%),
    radial-gradient(circle at 48% 44%, rgba(255, 255, 255, 0.1), transparent 18%);
}

.health-cross {
  position: absolute;
  width: 20px;
  height: 20px;
  opacity: 0.75;
}

.health-cross::before,
.health-cross::after {
  content: "";
  position: absolute;
  background: rgba(190, 223, 255, 0.8);
  border-radius: 999px;
}

.health-cross::before {
  top: 0;
  left: 7px;
  width: 6px;
  height: 20px;
}

.health-cross::after {
  top: 7px;
  left: 0;
  width: 20px;
  height: 6px;
}

.health-cross-a {
  top: 24px;
  left: 42%;
}

.health-cross-b {
  top: 70px;
  right: 26%;
}

.health-cross-c {
  top: 48px;
  right: 12%;
}

.health-hero-shield {
  position: absolute;
  top: 8px;
  left: 46%;
  width: 180px;
  height: 214px;
  border: 8px solid rgba(173, 214, 255, 0.2);
  clip-path: polygon(50% 0, 100% 12%, 100% 58%, 50% 100%, 0 58%, 0 12%);
}

.health-hero-family {
  position: absolute;
  left: 43%;
  bottom: 8px;
  display: flex;
  align-items: end;
  gap: 18px;
}

.health-person {
  position: relative;
  display: block;
  border-radius: 999px 999px 16px 16px;
  background: linear-gradient(180deg, rgba(18, 46, 85, 0.96) 0%, rgba(10, 28, 54, 0.96) 100%);
  box-shadow: 0 18px 34px rgba(7, 20, 42, 0.18);
}

.health-person::before {
  content: "";
  position: absolute;
  left: 50%;
  top: -22px;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  transform: translateX(-50%);
  background: rgba(18, 46, 85, 0.96);
}

.health-person-adult {
  width: 38px;
  height: 112px;
}

.health-person-adult::before {
  width: 28px;
  height: 28px;
  top: -24px;
}

.health-person-child {
  width: 24px;
  height: 72px;
}

.health-person-child::before {
  width: 18px;
  height: 18px;
  top: -16px;
}

.health-hero-wave {
  position: absolute;
  left: 22%;
  bottom: 74px;
  width: 210px;
  height: 34px;
  opacity: 0.34;
  background:
    linear-gradient(90deg, transparent 0 8%, rgba(116, 192, 255, 0.7) 8% 12%, transparent 12% 18%, rgba(116, 192, 255, 0.7) 18% 24%, transparent 24% 30%, rgba(116, 192, 255, 0.7) 30% 36%, transparent 36% 42%, rgba(116, 192, 255, 0.7) 42% 48%, transparent 48% 54%, rgba(116, 192, 255, 0.7) 54% 60%, transparent 60% 100%);
  clip-path: polygon(0 54%, 8% 54%, 14% 36%, 20% 72%, 28% 30%, 36% 62%, 44% 48%, 52% 50%, 60% 20%, 70% 78%, 80% 44%, 100% 44%, 100% 58%, 0 58%);
}

.health-policy-card {
  position: absolute;
  right: 78px;
  bottom: 26px;
  width: 134px;
  padding: 14px 14px 12px;
  border-radius: 18px;
  background: linear-gradient(180deg, #ffffff 0%, #eef6ff 100%);
  color: #0e396d;
  box-shadow: 0 16px 34px rgba(7, 24, 50, 0.22);
  transform: rotate(6deg);
}

.health-policy-card strong {
  display: block;
  margin-bottom: 10px;
  font-size: 0.92rem;
  line-height: 1.15;
}

.health-policy-card span {
  display: block;
  height: 8px;
  margin-top: 8px;
  border-radius: 999px;
  background: linear-gradient(90deg, #57ba72 0%, #7fd28e 100%);
}

.health-policy-card span:nth-child(2) {
  width: 76%;
}

.health-policy-card span:nth-child(3) {
  width: 64%;
}

.health-policy-card span:nth-child(4) {
  width: 72%;
}

.health-policy-card span:nth-child(5) {
  width: 58%;
}

.health-stethoscope {
  position: absolute;
  right: 10px;
  bottom: 2px;
  width: 164px;
  height: 122px;
}

.stethoscope-loop {
  position: absolute;
  right: 18px;
  bottom: 36px;
  width: 76px;
  height: 76px;
  border: 5px solid rgba(14, 33, 62, 0.88);
  border-radius: 50%;
}

.stethoscope-tube {
  position: absolute;
  left: 18px;
  right: 50px;
  bottom: 22px;
  height: 72px;
  border: 5px solid rgba(14, 33, 62, 0.88);
  border-top: 0;
  border-radius: 0 0 58px 58px;
}

.stethoscope-head {
  position: absolute;
  right: 0;
  bottom: 18px;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: #d7e6f5;
  border: 5px solid rgba(14, 33, 62, 0.88);
}

.health-layout .insurance-sidebar {
  top: 112px;
}

.health-toc-links a {
  font-size: 0.95rem;
}

.health-side-cta {
  background: linear-gradient(180deg, #157843 0%, #0e6839 100%);
}

.health-side-cta-art img:first-child {
  width: 96px;
  filter: brightness(0) invert(1);
}

.health-feature-image img {
  object-position: center 52%;
}

.health-text-block,
.health-section {
  padding: 0 2px;
}

.health-text-block h2,
.health-section h2 {
  margin: 0 0 10px;
  font-size: clamp(1.55rem, 2.2vw, 2.2rem);
  line-height: 1.06;
  letter-spacing: -0.04em;
}

.health-text-block p,
.health-section p,
.health-tax-row span,
.health-tax-row strong {
  color: var(--text-900);
}

.health-text-block p,
.health-section p,
.health-tax-row span {
  color: var(--text-700);
}

.health-type-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin-top: 14px;
}

.health-type-card {
  padding: 18px 18px 16px;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.96);
  box-shadow: var(--shadow-card);
}

.health-type-card-green {
  background: linear-gradient(180deg, rgba(247, 253, 248, 0.98) 0%, rgba(242, 250, 244, 0.98) 100%);
}

.health-type-card-blue {
  background: linear-gradient(180deg, rgba(245, 250, 255, 0.98) 0%, rgba(239, 246, 253, 0.98) 100%);
}

.health-type-card-gold {
  background: linear-gradient(180deg, rgba(255, 251, 242, 0.98) 0%, rgba(255, 249, 236, 0.98) 100%);
}

.health-type-head {
  display: grid;
  grid-template-columns: 52px minmax(0, 1fr);
  gap: 12px;
  align-items: center;
  margin-bottom: 12px;
}

.health-type-icon {
  width: 52px;
  height: 52px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: #fff;
  border: 1px solid rgba(13, 39, 78, 0.08);
}

.health-type-icon img {
  width: 30px;
  height: 30px;
  object-fit: contain;
}

.health-type-head h3,
.health-benefit-card h3 {
  margin: 0;
  font-size: 1.12rem;
  line-height: 1.2;
}

.health-type-card ul {
  margin: 0 0 12px;
  padding-left: 18px;
  color: var(--text-700);
  display: grid;
  gap: 6px;
}

.health-type-card p + p {
  margin-top: 12px;
}

.health-benefit-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 14px;
  margin-top: 16px;
}

.health-benefit-card {
  padding: 18px 16px;
  text-align: center;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: var(--shadow-card);
}

.health-benefit-icon {
  width: 72px;
  height: 72px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  border-radius: 50%;
}

.health-benefit-icon img {
  width: 40px;
  height: 40px;
  object-fit: contain;
}

.health-benefit-icon-green {
  background: linear-gradient(180deg, #e8f7ee 0%, #dff2e8 100%);
}

.health-benefit-icon-blue {
  background: linear-gradient(180deg, #e7f0fb 0%, #d9e8fa 100%);
}

.health-benefit-icon-gold {
  background: linear-gradient(180deg, #fff1d6 0%, #f9e6b7 100%);
}

.health-benefit-icon-teal {
  background: linear-gradient(180deg, #e6faf6 0%, #d7f1ea 100%);
}

.health-benefit-icon-purple {
  background: linear-gradient(180deg, #efe7fb 0%, #e1d4fb 100%);
}

.health-benefit-card p {
  margin-top: 10px;
  font-size: 0.93rem;
  line-height: 1.52;
}

.health-tax-panel {
  display: grid;
  grid-template-columns: 230px minmax(0, 1fr);
  gap: 18px;
  align-items: stretch;
  margin-top: 16px;
  padding: 16px;
  border: 1px solid var(--border);
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: var(--shadow-card);
}

.health-tax-figure {
  position: relative;
  min-height: 210px;
  border-radius: 16px;
  background:
    radial-gradient(circle at 72% 26%, rgba(255, 234, 178, 0.62), transparent 16%),
    linear-gradient(180deg, #fbfcff 0%, #f7fafc 100%);
  overflow: hidden;
}

.tax-calc {
  position: absolute;
  left: 34px;
  top: 34px;
  width: 96px;
  height: 132px;
  border-radius: 14px;
  background: linear-gradient(180deg, #3e4d60 0%, #1f2937 100%);
  box-shadow: 0 18px 30px rgba(13, 39, 78, 0.16);
}

.tax-calc::before {
  content: "";
  position: absolute;
  left: 14px;
  top: 14px;
  width: 68px;
  height: 24px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.18);
}

.tax-calc::after {
  content: "";
  position: absolute;
  left: 14px;
  bottom: 16px;
  width: 68px;
  height: 64px;
  background:
    radial-gradient(circle, rgba(255, 255, 255, 0.88) 0 38%, transparent 40%) 0 0 / 22px 22px,
    radial-gradient(circle, rgba(255, 255, 255, 0.88) 0 38%, transparent 40%) 11px 11px / 22px 22px;
}

.tax-coins {
  position: absolute;
  left: 22px;
  bottom: 24px;
  width: 92px;
  height: 54px;
}

.tax-coins::before,
.tax-coins::after {
  content: "";
  position: absolute;
  bottom: 0;
  width: 56px;
  height: 18px;
  border-radius: 50%;
  background: linear-gradient(180deg, #f1cb6b 0%, #d59c2f 100%);
  box-shadow: 0 10px 18px rgba(214, 164, 59, 0.24);
}

.tax-coins::before {
  left: 0;
}

.tax-coins::after {
  left: 28px;
}

.tax-shield {
  position: absolute;
  right: 24px;
  bottom: 22px;
  width: 86px;
  height: 102px;
  display: grid;
  place-items: center;
  border-radius: 24px;
  background: linear-gradient(180deg, #ffefc1 0%, #d8a741 100%);
  color: #7d5600;
  font-size: 1rem;
  font-weight: 800;
  clip-path: polygon(50% 0, 100% 12%, 100% 60%, 50% 100%, 0 60%, 0 12%);
}

.health-tax-table-wrap h3 {
  margin: 0 0 14px;
  text-align: center;
  font-size: 1.55rem;
  line-height: 1.05;
  letter-spacing: -0.04em;
}

.health-tax-table {
  border: 1px solid rgba(19, 130, 70, 0.16);
  border-radius: 16px;
  overflow: hidden;
}

.health-tax-row {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  gap: 18px;
  padding: 14px 18px;
  background: #fff;
}

.health-tax-row + .health-tax-row {
  border-top: 1px solid rgba(13, 39, 78, 0.08);
}

.health-tax-row strong {
  font-size: 0.98rem;
}

.health-tax-row span {
  font-size: 0.96rem;
  line-height: 1.55;
}

.health-advisor-card {
  gap: 18px;
  background: linear-gradient(180deg, #0d5f3d 0%, #084f33 100%);
}

.health-advisor-icon {
  width: 58px;
  height: 58px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 58px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.health-advisor-icon img {
  width: 32px;
  height: 32px;
  object-fit: contain;
  filter: brightness(0) invert(1);
}

@media (max-width: 1180px) {
  .health-hero-grid {
    grid-template-columns: 1fr;
    min-height: 0;
  }

  .health-hero-visual {
    min-height: 260px;
  }

  .health-benefit-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .health-tax-panel {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 860px) {
  .health-hero-grid {
    padding: 26px 0;
  }

  .health-hero-copy h1 {
    font-size: clamp(2.15rem, 10vw, 3.5rem);
  }

  .health-hero-visual {
    min-height: 220px;
  }

  .health-hero-shield {
    left: 52%;
    width: 132px;
    height: 162px;
  }

  .health-hero-family {
    left: 44%;
    gap: 12px;
  }

  .health-person-adult {
    width: 30px;
    height: 88px;
  }

  .health-person-child {
    width: 20px;
    height: 58px;
  }

  .health-policy-card {
    right: 62px;
    width: 118px;
  }

  .health-stethoscope {
    width: 132px;
  }

  .health-type-grid {
    grid-template-columns: 1fr;
  }

  .health-benefit-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .health-advisor-card {
    align-items: flex-start;
  }
}

@media (max-width: 640px) {
  .health-hero-summary {
    font-size: 0.96rem;
  }

  .health-hero-visual {
    min-height: 176px;
  }

  .health-hero-wave,
  .health-cross-c {
    display: none;
  }

  .health-hero-shield {
    left: 48%;
    top: 18px;
    width: 92px;
    height: 116px;
    border-width: 6px;
  }

  .health-hero-family {
    left: 40%;
    bottom: 12px;
    gap: 8px;
  }

  .health-person-adult {
    width: 24px;
    height: 68px;
  }

  .health-person-adult::before {
    width: 22px;
    height: 22px;
    top: -18px;
  }

  .health-person-child {
    width: 16px;
    height: 42px;
  }

  .health-person-child::before {
    width: 14px;
    height: 14px;
    top: -12px;
  }

  .health-policy-card {
    right: 22px;
    bottom: 22px;
    width: 96px;
    padding: 10px 10px 8px;
  }

  .health-policy-card strong {
    font-size: 0.72rem;
  }

  .health-stethoscope {
    width: 96px;
    height: 88px;
    right: -4px;
  }

  .stethoscope-loop {
    width: 50px;
    height: 50px;
    border-width: 4px;
  }

  .stethoscope-tube {
    left: 10px;
    right: 32px;
    height: 48px;
    border-width: 4px;
  }

  .stethoscope-head {
    width: 18px;
    height: 18px;
    border-width: 4px;
  }

  .health-benefit-grid {
    grid-template-columns: 1fr;
  }

  .health-tax-panel {
    padding: 14px;
  }

  .health-tax-figure {
    min-height: 160px;
  }

  .tax-calc {
    left: 18px;
    top: 20px;
    width: 74px;
    height: 108px;
  }

  .tax-calc::before {
    width: 48px;
    height: 18px;
  }

  .tax-calc::after {
    width: 48px;
    height: 46px;
  }

  .tax-shield {
    width: 72px;
    height: 86px;
    right: 18px;
    font-size: 0.9rem;
  }

  .health-tax-table-wrap h3 {
    font-size: 1.26rem;
  }

  .health-tax-row {
    grid-template-columns: 1fr;
    gap: 8px;
  }
}

.mutual-page {
  padding-bottom: 30px;
}

.mutual-hero-banner {
  background: linear-gradient(90deg, #071f41 0%, #08244a 48%, #0a3160 100%);
  color: #fff;
}

.mutual-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.96fr) minmax(0, 1.04fr);
  gap: 28px;
  align-items: center;
  padding: 34px 0 26px;
}

.mutual-hero-copy h1 {
  margin: 0;
  font-size: clamp(2.55rem, 4.2vw, 4.4rem);
  line-height: 0.98;
  letter-spacing: -0.05em;
}

.mutual-hero-copy h1 span {
  display: block;
  color: #f2b73f;
}

.mutual-hero-copy p {
  max-width: 520px;
  margin: 18px 0 0;
  color: rgba(255, 255, 255, 0.84);
  font-size: 1.02rem;
}

.mutual-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 24px;
}

.mutual-hero-visual {
  position: relative;
  min-height: 288px;
  overflow: hidden;
}

.mutual-hero-main-image {
  position: absolute;
  right: 26px;
  bottom: 0;
  width: min(360px, 68%);
  max-width: none;
  pointer-events: none;
  user-select: none;
  filter: drop-shadow(0 18px 30px rgba(7, 20, 42, 0.22));
  transform: scale(1.5);
  transform-origin: bottom right;
}

.mutual-graph-bars {
  position: absolute;
  right: 20px;
  bottom: 14px;
  display: flex;
  align-items: end;
  gap: 16px;
  opacity: 0.18;
}

.mutual-graph-bars span {
  width: 28px;
  border-radius: 12px 12px 0 0;
  background: linear-gradient(180deg, rgba(50, 111, 180, 0.5) 0%, rgba(64, 122, 191, 0.86) 100%);
}

.mutual-graph-bars span:nth-child(1) {
  height: 86px;
}

.mutual-graph-bars span:nth-child(2) {
  height: 126px;
}

.mutual-graph-bars span:nth-child(3) {
  height: 168px;
}

.mutual-graph-bars span:nth-child(4) {
  height: 212px;
}

.mutual-graph-bars span:nth-child(5) {
  height: 254px;
}

.mutual-line-chart {
  position: absolute;
  inset: 30px 34px auto auto;
  width: 340px;
  height: 140px;
  opacity: 0.7;
}

.mutual-line-chart span {
  position: absolute;
  inset: 0;
}

.mutual-line-chart span::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(57, 228, 122, 0) 0%, rgba(57, 228, 122, 0.3) 100%);
  clip-path: polygon(0 78%, 12% 68%, 20% 75%, 34% 42%, 46% 54%, 60% 34%, 74% 50%, 88% 20%, 100% 0, 100% 12%, 88% 26%, 74% 60%, 60% 42%, 46% 62%, 34% 50%, 20% 83%, 12% 74%, 0 86%);
}

.mutual-line-chart span::after {
  content: "";
  position: absolute;
  inset: 0;
  background: #32df74;
  filter: drop-shadow(0 0 10px rgba(50, 223, 116, 0.34));
  clip-path: polygon(0 80%, 12% 70%, 20% 77%, 34% 44%, 46% 56%, 60% 36%, 74% 52%, 88% 22%, 100% 2%, 100% 12%, 88% 32%, 74% 62%, 60% 44%, 46% 64%, 34% 52%, 20% 85%, 12% 76%, 0 88%);
}

.mutual-coins {
  position: absolute;
  bottom: 24px;
  width: 62px;
  height: 18px;
  border-radius: 50%;
  background: linear-gradient(180deg, #f7d56e 0%, #d79f30 100%);
  box-shadow:
    0 -14px 0 0 rgba(230, 174, 45, 0.96),
    0 -28px 0 0 rgba(234, 186, 69, 0.92),
    0 12px 24px rgba(7, 20, 42, 0.2);
}

.mutual-coins-a {
  left: 84px;
}

.mutual-coins-b {
  left: 176px;
  width: 74px;
  box-shadow:
    0 -14px 0 0 rgba(230, 174, 45, 0.96),
    0 -28px 0 0 rgba(234, 186, 69, 0.92),
    0 -42px 0 0 rgba(241, 199, 88, 0.9),
    0 12px 24px rgba(7, 20, 42, 0.2);
}

.mutual-coins-c {
  left: 286px;
  width: 84px;
  box-shadow:
    0 -14px 0 0 rgba(230, 174, 45, 0.96),
    0 -28px 0 0 rgba(234, 186, 69, 0.92),
    0 -42px 0 0 rgba(241, 199, 88, 0.9),
    0 -56px 0 0 rgba(246, 214, 114, 0.86),
    0 12px 24px rgba(7, 20, 42, 0.2);
}

.mutual-jar {
  position: absolute;
  right: 64px;
  bottom: 22px;
  width: 124px;
  height: 170px;
  border-radius: 26px 26px 34px 34px;
  background: linear-gradient(180deg, rgba(219, 241, 255, 0.3) 0%, rgba(191, 229, 255, 0.14) 100%);
  border: 3px solid rgba(215, 240, 255, 0.48);
  box-shadow: inset 0 0 18px rgba(255, 255, 255, 0.16);
}

.mutual-jar::before {
  content: "";
  position: absolute;
  left: 18px;
  right: 18px;
  top: -14px;
  height: 18px;
  border-radius: 999px;
  background: rgba(218, 239, 255, 0.42);
  border: 3px solid rgba(215, 240, 255, 0.44);
}

.jar-coin {
  position: absolute;
  width: 36px;
  height: 14px;
  border-radius: 50%;
  background: linear-gradient(180deg, #f7d56e 0%, #d79f30 100%);
}

.jar-coin-a {
  left: 20px;
  bottom: 26px;
}

.jar-coin-b {
  left: 50px;
  bottom: 44px;
}

.jar-coin-c {
  left: 34px;
  bottom: 66px;
}

.jar-plant {
  position: absolute;
  left: 56px;
  bottom: 90px;
  width: 8px;
  height: 66px;
  border-radius: 999px;
  background: linear-gradient(180deg, #8f6b24 0%, #438d36 40%, #2fa44a 100%);
}

.jar-plant::before,
.jar-plant::after {
  content: "";
  position: absolute;
  width: 54px;
  height: 28px;
  border-radius: 100% 0 100% 0;
  background: linear-gradient(180deg, #5bbb3e 0%, #2c943c 100%);
}

.jar-plant::before {
  right: -46px;
  top: -12px;
  transform: rotate(18deg);
}

.jar-plant::after {
  left: -46px;
  top: 8px;
  transform: scaleX(-1) rotate(28deg);
}

.mutual-trust-strip {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  background: rgba(2, 20, 43, 0.6);
}

.mutual-trust-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 0;
}

.mutual-trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 16px 10px;
  color: #fff;
  font-size: 0.94rem;
  font-weight: 700;
}

.mutual-trust-item + .mutual-trust-item {
  border-left: 1px solid rgba(255, 255, 255, 0.08);
}

.mutual-trust-item img {
  width: 30px;
  height: 30px;
  object-fit: contain;
}

.mutual-layout {
  display: grid;
  grid-template-columns: 270px minmax(0, 1fr);
  gap: 28px;
  padding-top: 26px;
  align-items: start;
}

.mutual-sidebar {
  position: sticky;
  top: 112px;
  display: grid;
  gap: 18px;
}

.mutual-toc-links a {
  font-size: 0.92rem;
}

.mutual-side-cta {
  position: relative;
  padding: 24px 22px 22px;
  border: 1px solid var(--border);
  border-radius: 22px;
  background: linear-gradient(180deg, #f5fbf7 0%, #eef8f2 100%);
  box-shadow: var(--shadow-card);
  overflow: hidden;
}

.mutual-side-cta h2 {
  margin: 0 0 12px;
  font-size: 2rem;
  line-height: 1.04;
  letter-spacing: -0.04em;
  color: var(--green-700);
}

.mutual-side-cta p {
  margin: 0;
  color: var(--text-700);
}

.mutual-side-cta-art {
  min-height: 140px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  margin: 18px 0 16px;
}

.mutual-side-cta-art-image {
  display: block;
  width: 100%;
  max-width: 220px;
  height: auto;
  filter: drop-shadow(0 14px 24px rgba(7, 20, 42, 0.18));
}

.mutual-side-cta-button {
  width: 100%;
  color: #fff;
  background: linear-gradient(180deg, #0d2750 0%, #082040 100%);
}

.mutual-content {
  display: grid;
  gap: 24px;
}

.mutual-section {
  display: grid;
  gap: 14px;
}

.mutual-section h2 {
  margin: 0;
  font-size: clamp(1.65rem, 2.4vw, 2.45rem);
  line-height: 1.06;
  letter-spacing: -0.04em;
}

.mutual-section-intro {
  margin: 0;
  color: var(--text-700);
}

.mutual-overview {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(320px, 0.9fr);
  gap: 22px;
  align-items: start;
}

.mutual-overview-copy p {
  margin: 0 0 14px;
  color: var(--text-700);
}

.mutual-mini-feature-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
  margin-top: 18px;
}

.mutual-mini-feature {
  display: grid;
  justify-items: center;
  gap: 10px;
  padding: 16px 12px;
  text-align: center;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.96);
  box-shadow: var(--shadow-card);
}

.mutual-mini-feature img {
  width: 34px;
  height: 34px;
  object-fit: contain;
}

.mutual-mini-feature span {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--text-900);
}

.mutual-diagram-card {
  padding: 24px 20px;
  border: 1px solid var(--border);
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: var(--shadow-card);
}

.diagram-top {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 28px minmax(0, 1fr) 28px minmax(0, 1fr);
  gap: 8px;
  align-items: center;
}

.diagram-node {
  display: grid;
  justify-items: center;
  gap: 10px;
  text-align: center;
}

.diagram-node img {
  width: 62px;
  height: 62px;
  padding: 12px;
  border-radius: 50%;
  border: 1px solid var(--border);
  background: linear-gradient(180deg, #fff 0%, #f9fafc 100%);
  object-fit: contain;
}

.diagram-node span {
  font-size: 0.92rem;
  font-weight: 700;
}

.diagram-center img {
  background: linear-gradient(180deg, #fff7df 0%, #f8edc0 100%);
}

.diagram-arrow,
.diagram-down-arrow {
  position: relative;
}

.diagram-arrow::before,
.diagram-down-arrow::before {
  content: "";
  position: absolute;
  background: linear-gradient(90deg, #2fa44a 0%, #198a3b 100%);
}

.diagram-arrow::after,
.diagram-down-arrow::after {
  content: "";
  position: absolute;
  border-style: solid;
}

.diagram-arrow::before {
  top: 50%;
  left: 0;
  right: 8px;
  height: 3px;
  transform: translateY(-50%);
}

.diagram-arrow::after {
  top: 50%;
  right: 0;
  transform: translateY(-50%);
  border-width: 6px 0 6px 8px;
  border-color: transparent transparent transparent #198a3b;
}

.diagram-down-arrow {
  width: 3px;
  height: 34px;
  margin: 12px auto;
}

.diagram-down-arrow::before {
  left: 0;
  top: 0;
  bottom: 8px;
  width: 3px;
}

.diagram-down-arrow::after {
  left: 50%;
  bottom: 0;
  transform: translateX(-50%);
  border-width: 8px 6px 0 6px;
  border-color: #198a3b transparent transparent transparent;
}

.diagram-bottom {
  width: fit-content;
  margin: 0 auto;
}

.mutual-benefit-grid {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 14px;
}

.mutual-benefit-card {
  padding: 18px 14px;
  text-align: center;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: var(--shadow-card);
}

.mutual-benefit-card img {
  width: 38px;
  height: 38px;
  margin: 0 auto 12px;
  object-fit: contain;
}

.mutual-benefit-card h3 {
  margin: 0;
  font-size: 1rem;
  line-height: 1.22;
}

.mutual-benefit-card p {
  margin: 10px 0 0;
  color: var(--text-700);
  font-size: 0.9rem;
  line-height: 1.5;
}

.mutual-type-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 14px;
}

.mutual-type-card {
  padding: 18px 16px;
  border: 1px solid var(--border);
  border-radius: 20px;
  box-shadow: var(--shadow-card);
}

.mutual-type-card-green {
  background: linear-gradient(180deg, #f3fbf5 0%, #eef8f1 100%);
}

.mutual-type-card-blue {
  background: linear-gradient(180deg, #f3f8ff 0%, #edf4fe 100%);
}

.mutual-type-card-purple {
  background: linear-gradient(180deg, #f8f3ff 0%, #f0e7ff 100%);
}

.mutual-type-card-cyan {
  background: linear-gradient(180deg, #f2fbff 0%, #e9f7ff 100%);
}

.mutual-type-card-gold {
  background: linear-gradient(180deg, #fff8ef 0%, #fff2df 100%);
}

.mutual-type-head {
  display: grid;
  grid-template-columns: 44px minmax(0, 1fr);
  gap: 10px;
  align-items: center;
  margin-bottom: 12px;
}

.mutual-type-head img {
  width: 44px;
  height: 44px;
  padding: 8px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.78);
  object-fit: contain;
}

.mutual-type-head h3 {
  margin: 0;
  font-size: 1.06rem;
  line-height: 1.15;
}

.mutual-type-card p {
  margin: 0 0 12px;
  color: var(--text-700);
}

.mutual-type-card ul {
  margin: 0 0 12px;
  padding-left: 18px;
  color: var(--text-700);
  display: grid;
  gap: 6px;
}

.mutual-type-card strong {
  display: block;
  font-size: 0.92rem;
  color: var(--navy-900);
}

.mutual-compare-risk-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(320px, 0.85fr);
  gap: 18px;
}

.mutual-compare-panel,
.mutual-risk-panel {
  padding: 20px;
  border: 1px solid var(--border);
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: var(--shadow-card);
}

.mutual-compare-panel h2,
.mutual-risk-panel h2 {
  margin: 0 0 16px;
  font-size: 1.8rem;
  line-height: 1.08;
  letter-spacing: -0.04em;
}

.compare-columns {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 48px minmax(0, 1fr);
  gap: 14px;
  align-items: center;
}

.compare-card {
  border: 1px solid var(--border);
  border-radius: 18px;
  overflow: hidden;
}

.compare-card-head {
  padding: 14px 16px;
  color: #fff;
  font-size: 1rem;
  font-weight: 800;
}

.compare-card-sip .compare-card-head {
  background: linear-gradient(180deg, #20a459 0%, #168647 100%);
}

.compare-card-lumpsum .compare-card-head {
  background: linear-gradient(180deg, #133463 0%, #0c2548 100%);
}

.compare-card ul {
  margin: 0;
  padding: 16px 16px 8px 34px;
  display: grid;
  gap: 8px;
  color: var(--text-700);
}

.compare-card strong {
  display: block;
  padding: 0 16px 16px;
  font-size: 0.92rem;
}

.compare-versus {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: linear-gradient(180deg, #153667 0%, #0b2242 100%);
  color: #fff;
  font-weight: 800;
}

.compare-note {
  margin-top: 16px;
  padding: 14px 16px;
  border-radius: 14px;
  background: linear-gradient(180deg, #fff7e7 0%, #fff0cc 100%);
  color: var(--text-700);
}

.mutual-risk-list {
  display: grid;
  gap: 14px;
}

.mutual-risk-list article {
  padding-left: 18px;
  border-left: 3px solid rgba(215, 58, 58, 0.18);
}

.mutual-risk-list strong {
  display: block;
  margin-bottom: 4px;
  color: #c73636;
}

.mutual-risk-list p {
  margin: 0;
  color: var(--text-700);
}

.mutual-risk-note {
  margin-top: 18px;
  padding: 14px 16px;
  border-radius: 14px;
  background: linear-gradient(180deg, #fff2f2 0%, #ffe5e5 100%);
  color: #b93434;
  font-weight: 700;
}

.mutual-help-grid {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 14px;
}

.mutual-help-card {
  padding: 18px 14px;
  text-align: center;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: var(--shadow-card);
}

.mutual-help-card img {
  width: 34px;
  height: 34px;
  margin: 0 auto 10px;
  object-fit: contain;
}

.mutual-help-card h3 {
  margin: 0;
  font-size: 1rem;
}

.mutual-help-card p {
  margin: 10px 0 0;
  color: var(--text-700);
  font-size: 0.9rem;
}

.mutual-consult-panel {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(280px, 0.65fr);
  gap: 18px;
  padding: 20px;
  border-radius: 24px;
  background: linear-gradient(180deg, #081f41 0%, #0b2b58 100%);
  color: #fff;
  box-shadow: 0 24px 44px rgba(7, 20, 42, 0.18);
}

.mutual-consult-hero {
  display: grid;
  grid-template-columns: 180px minmax(0, 1fr);
  gap: 20px;
  align-items: center;
}

.mutual-consult-art {
  position: relative;
  min-height: 128px;
  display: flex;
  align-items: flex-end;
}

.mutual-consult-art-image {
  display: block;
  width: 100%;
  max-width: 180px;
  height: auto;
  filter: drop-shadow(0 14px 24px rgba(7, 20, 42, 0.22));
}

.mutual-consult-copy h2 {
  margin: 0 0 10px;
  font-size: clamp(1.85rem, 2.6vw, 2.5rem);
  line-height: 1.04;
  letter-spacing: -0.04em;
}

.mutual-consult-copy p {
  margin: 0;
  color: rgba(255, 255, 255, 0.8);
}

.mutual-consult-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 18px;
}

.mutual-contact-cards {
  display: grid;
  gap: 14px;
}

.mutual-contact-card {
  display: grid;
  gap: 8px;
  padding: 18px 18px 16px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.03);
}

.mutual-contact-card strong {
  color: rgba(255, 255, 255, 0.76);
}

.mutual-contact-card a {
  font-size: 1.55rem;
  font-weight: 800;
  letter-spacing: -0.04em;
}

.mutual-faq-strip h2 {
  margin: 0 0 14px;
  font-size: 1.7rem;
  line-height: 1.06;
  letter-spacing: -0.04em;
}

.mutual-faq-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
}

.mutual-faq-card {
  border: 1px solid var(--border);
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: var(--shadow-card);
  overflow: hidden;
}

.mutual-faq-card summary {
  position: relative;
  display: block;
  padding: 18px 54px 18px 18px;
  cursor: pointer;
  list-style: none;
  font-weight: 700;
  color: var(--navy-900);
}

.mutual-faq-card summary::-webkit-details-marker {
  display: none;
}

.mutual-faq-card summary::after {
  content: "+";
  position: absolute;
  top: 50%;
  right: 18px;
  transform: translateY(-50%);
  font-size: 1.6rem;
  line-height: 1;
  color: var(--green-700);
  transition: transform 180ms ease;
}

.mutual-faq-card[open] summary::after {
  content: "-";
}

.mutual-faq-card[open] summary {
  border-bottom: 1px solid rgba(11, 40, 84, 0.08);
}

.mutual-faq-card p,
.mutual-disclaimer {
  margin: 0;
  color: var(--text-700);
}

.mutual-faq-card p {
  padding: 16px 18px 18px;
  line-height: 1.7;
}

.mutual-disclaimer {
  text-align: center;
  font-size: 0.92rem;
}

@media (max-width: 1320px) {
  .mutual-benefit-grid,
  .mutual-help-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .mutual-type-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

@media (max-width: 1180px) {
  .mutual-hero-grid,
  .mutual-overview,
  .mutual-layout,
  .mutual-compare-risk-grid,
  .mutual-consult-panel {
    grid-template-columns: 1fr;
  }

  .mutual-sidebar {
    position: static;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    align-items: start;
  }

  .mutual-trust-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .mutual-trust-item:nth-child(n + 4) {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
  }

  .mutual-benefit-grid,
  .mutual-help-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .mutual-consult-hero {
    grid-template-columns: 160px minmax(0, 1fr);
  }
}

@media (max-width: 860px) {
  .mutual-hero-grid {
    padding: 28px 0 24px;
  }

  .mutual-hero-copy h1 {
    font-size: clamp(2.15rem, 10vw, 3.5rem);
  }

  .mutual-hero-visual {
    min-height: 220px;
  }

  .mutual-line-chart {
    width: 250px;
    height: 108px;
  }

  .mutual-hero-main-image {
    right: 12px;
    width: min(286px, 60%);
  }

  .mutual-trust-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .mutual-trust-item:nth-child(n + 3) {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
  }

  .mutual-mini-feature-grid,
  .mutual-benefit-grid,
  .mutual-type-grid,
  .mutual-help-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .compare-columns,
  .mutual-consult-hero {
    grid-template-columns: 1fr;
  }

  .compare-versus {
    margin: 0 auto;
  }
}

@media (max-width: 640px) {
  .mutual-hero-copy p {
    font-size: 0.96rem;
  }

  .mutual-hero-actions,
  .mutual-consult-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .mutual-hero-visual {
    min-height: 170px;
  }

  .mutual-line-chart {
    width: 190px;
    height: 86px;
    right: 10px;
  }

  .mutual-hero-main-image {
    right: -2px;
    width: min(210px, 58%);
  }

  .mutual-graph-bars span {
    width: 18px;
  }

  .mutual-graph-bars span:nth-child(1) {
    height: 54px;
  }

  .mutual-graph-bars span:nth-child(2) {
    height: 74px;
  }

  .mutual-graph-bars span:nth-child(3) {
    height: 96px;
  }

  .mutual-graph-bars span:nth-child(4) {
    height: 122px;
  }

  .mutual-graph-bars span:nth-child(5) {
    height: 144px;
  }

  .mutual-trust-grid,
  .mutual-sidebar,
  .mutual-mini-feature-grid,
  .mutual-benefit-grid,
  .mutual-type-grid,
  .mutual-help-grid {
    grid-template-columns: 1fr;
  }

  .mutual-trust-item + .mutual-trust-item {
    border-left: 0;
  }

  .mutual-trust-item:nth-child(n + 2) {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
  }

  .diagram-top {
    grid-template-columns: 1fr;
  }

  .diagram-arrow,
  .diagram-down-arrow {
    display: none;
  }

  .mutual-compare-panel,
  .mutual-risk-panel,
  .mutual-consult-panel {
    padding: 18px;
  }

  .mutual-contact-card a {
    font-size: 1.28rem;
  }
}

.motor-page {
  padding-bottom: 28px;
}

.motor-hero-banner {
  position: relative;
  padding: 0;
  overflow: hidden;
  background:
    linear-gradient(180deg, rgba(2, 16, 40, 0.9), rgba(2, 16, 40, 0.96)),
    url("assets/motor/hero_motor_insurance_dark_background.svg") center/cover no-repeat;
}

.motor-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.76fr) minmax(0, 1.24fr);
  gap: 20px;
  align-items: center;
  min-height: 176px;
  padding: 18px 0 14px;
}

.motor-hero-copy {
  position: relative;
  z-index: 1;
  color: #fff;
}

.motor-hero-kicker {
  margin: 0 0 8px;
  color: #37ca7b;
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

.motor-hero-copy h1 {
  margin: 0 0 10px;
  font-size: clamp(2rem, 3.4vw, 3.35rem);
  line-height: 0.92;
  letter-spacing: -0.055em;
}

.motor-hero-copy h1 span {
  display: block;
  color: #73d36d;
}

.motor-hero-summary {
  max-width: 500px;
  margin: 0;
  color: rgba(239, 246, 255, 0.86);
  font-size: 0.94rem;
  line-height: 1.55;
}

.motor-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 16px;
}

.motor-hero-actions .btn {
  min-height: 48px;
  padding-inline: 20px;
  font-size: 0.92rem;
}

.motor-hero-secondary {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.36);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.08);
}

.motor-hero-secondary::before {
  box-shadow: inset 0 0 0 3px rgba(4, 18, 44, 0.92);
}

.motor-hero-visual {
  position: relative;
  min-height: 170px;
  display: flex;
  align-items: end;
}

.motor-hero-vehicles {
  display: block;
  width: min(100%, 560px);
  margin-left: auto;
  filter: drop-shadow(0 22px 42px rgba(0, 0, 0, 0.34));
}

.motor-trust-strip {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  background: rgba(2, 18, 43, 0.84);
}

.motor-trust-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
}

.motor-trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 12px;
  color: #fff;
  font-size: 0.95rem;
  font-weight: 700;
}

.motor-trust-item + .motor-trust-item {
  border-left: 1px solid rgba(255, 255, 255, 0.08);
}

.motor-trust-item img {
  width: 30px;
  height: 30px;
  object-fit: contain;
}

.motor-layout {
  display: grid;
  grid-template-columns: 250px minmax(0, 1fr);
  gap: 24px;
  padding: 26px 0 0;
  align-items: start;
}

.motor-sidebar {
  top: 108px;
}

.motor-toc-links a {
  font-size: 0.92rem;
}

.motor-side-cta {
  background: linear-gradient(180deg, rgba(244, 251, 247, 0.98) 0%, rgba(237, 248, 241, 0.98) 100%);
  color: var(--navy-900);
}

.motor-side-cta h2 {
  margin: 0 0 10px;
  font-size: 1.9rem;
  line-height: 1.04;
  letter-spacing: -0.04em;
}

.motor-side-cta p {
  color: var(--text-700);
}

.motor-side-cta-art {
  margin: 18px 0 18px;
}

.motor-side-cta-art img {
  display: block;
  width: 100%;
  max-width: 210px;
  margin: 0 auto;
}

.motor-side-cta-button {
  width: 100%;
  background: linear-gradient(180deg, var(--green-600) 0%, var(--green-700) 100%);
  color: #fff;
  border: 0;
}

.motor-main-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 330px;
  gap: 24px;
  align-items: start;
}

.motor-content {
  display: grid;
  gap: 18px;
}

.motor-section,
.motor-help-strip,
.motor-disclaimer-panel,
.motor-support-form {
  border: 1px solid var(--border);
  border-radius: 24px;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: var(--shadow-card);
}

.motor-section {
  padding: 24px 24px 22px;
}

.motor-section h2,
.motor-form-head h2 {
  margin: 0 0 12px;
  font-size: clamp(1.6rem, 2.2vw, 2.35rem);
  line-height: 1.08;
  letter-spacing: -0.04em;
}

.motor-section p,
.motor-disclaimer-panel p,
.motor-faq-item p {
  margin: 0;
  color: var(--text-700);
  line-height: 1.72;
}

.motor-section p + p {
  margin-top: 14px;
}

.motor-vehicle-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 0;
  margin-top: 18px;
  border-top: 1px solid rgba(11, 40, 84, 0.08);
}

.motor-vehicle-item {
  display: grid;
  justify-items: center;
  gap: 10px;
  padding: 16px 10px 10px;
  text-align: center;
}

.motor-vehicle-item + .motor-vehicle-item {
  border-left: 1px solid rgba(11, 40, 84, 0.08);
}

.motor-vehicle-item img {
  width: 42px;
  height: 42px;
  object-fit: contain;
}

.motor-vehicle-item span {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--navy-900);
}

.motor-importance-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.motor-importance-card {
  padding: 18px 16px;
  border: 1px solid rgba(11, 40, 84, 0.08);
  border-radius: 18px;
  background: #fff;
}

.motor-importance-card img,
.motor-help-item img {
  width: 34px;
  height: 34px;
  object-fit: contain;
}

.motor-importance-card h3,
.motor-type-card h3,
.motor-support-copy h3 {
  margin: 12px 0 8px;
  font-size: 1.06rem;
  line-height: 1.25;
}

.motor-type-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 14px;
}

.motor-type-card {
  display: grid;
  grid-template-rows: auto auto 1fr auto;
  align-content: start;
  align-items: start;
  gap: 10px;
  padding: 18px 16px 16px;
  border: 1px solid var(--border);
  border-radius: 18px;
  box-shadow: var(--shadow-card);
  min-height: 100%;
}

.motor-type-icon {
  width: 58px;
  height: 58px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  align-self: start;
  border-radius: 16px;
  background: #fff;
  border: 1px solid rgba(11, 40, 84, 0.08);
}

.motor-type-icon img {
  width: 34px;
  height: 34px;
  object-fit: contain;
}

.motor-type-card p {
  font-size: 0.94rem;
}

.motor-type-tag {
  display: inline-flex;
  align-items: center;
  align-self: start;
  margin-top: auto;
  padding: 8px 10px;
  border-radius: 999px;
  font-size: 0.82rem;
  font-weight: 800;
}

.motor-type-card-blue {
  background: linear-gradient(180deg, rgba(244, 249, 255, 0.98) 0%, rgba(239, 246, 255, 0.98) 100%);
}

.motor-type-card-blue .motor-type-tag {
  background: #e9f2ff;
  color: #2560a8;
}

.motor-type-card-cyan {
  background: linear-gradient(180deg, rgba(243, 251, 255, 0.98) 0%, rgba(238, 249, 255, 0.98) 100%);
}

.motor-type-card-cyan .motor-type-tag {
  background: #e0f5ff;
  color: #1c7baa;
}

.motor-type-card-purple {
  background: linear-gradient(180deg, rgba(250, 245, 255, 0.98) 0%, rgba(246, 239, 255, 0.98) 100%);
}

.motor-type-card-purple .motor-type-tag {
  background: #efe3ff;
  color: #7a42b1;
}

.motor-type-card-orange {
  background: linear-gradient(180deg, rgba(255, 248, 242, 0.98) 0%, rgba(255, 244, 232, 0.98) 100%);
}

.motor-type-card-orange .motor-type-tag {
  background: #ffe5cc;
  color: #c8681e;
}

.motor-type-card-green {
  background: linear-gradient(180deg, rgba(244, 252, 246, 0.98) 0%, rgba(237, 248, 241, 0.98) 100%);
}

.motor-type-card-green .motor-type-tag {
  background: #dff3e6;
  color: #1c8b50;
}

.motor-help-strip {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 12px;
  padding: 16px;
}

.motor-help-item {
  display: grid;
  justify-items: center;
  gap: 8px;
  align-content: start;
  min-height: 100%;
  padding: 14px 12px;
  text-align: center;
  border: 1px solid rgba(11, 40, 84, 0.08);
  border-radius: 16px;
  background: #fff;
}

.motor-help-item span {
  color: var(--navy-900);
  font-size: 0.86rem;
  font-weight: 700;
  line-height: 1.4;
}

.motor-two-col-section {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.motor-text-panel {
  padding: 20px;
  border: 1px solid rgba(11, 40, 84, 0.08);
  border-radius: 18px;
  background: #fff;
}

.motor-text-panel h2 {
  font-size: 1.5rem;
}

.motor-check-list,
.motor-step-list {
  margin: 14px 0 0;
  padding-left: 20px;
  display: grid;
  gap: 8px;
  color: var(--text-700);
}

.motor-check-list li::marker,
.motor-step-list li::marker {
  color: var(--green-700);
}

.motor-check-list-muted li::marker {
  color: #d0912f;
}

.motor-topic-accordion {
  padding-top: 10px;
  padding-bottom: 10px;
}

.motor-topic-list {
  display: grid;
  gap: 0;
}

.motor-topic-item {
  border-top: 1px solid rgba(11, 40, 84, 0.1);
}

.motor-topic-item:first-child {
  border-top: 0;
}

.motor-topic-item summary {
  position: relative;
  display: block;
  padding: 22px 52px 22px 6px;
  list-style: none;
  cursor: pointer;
  font-size: clamp(1.3rem, 1.8vw, 1.65rem);
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.03em;
  color: var(--navy-900);
}

.motor-topic-item summary::-webkit-details-marker {
  display: none;
}

.motor-topic-item summary::after {
  content: "+";
  position: absolute;
  right: 8px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.7rem;
  font-weight: 500;
  color: var(--green-700);
}

.motor-topic-item[open] summary::after {
  content: "-";
}

.motor-topic-item[open] summary {
  color: var(--navy-900);
}

.motor-topic-item > p,
.motor-topic-item > .motor-check-list,
.motor-topic-item > .motor-step-list {
  margin: 0 0 20px;
}

.motor-topic-item > p {
  padding: 0 8px 0 6px;
}

.motor-topic-item > .motor-check-list,
.motor-topic-item > .motor-step-list {
  margin-top: 0;
  padding: 0 8px 0 26px;
}

.motor-support-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.motor-support-card {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 18px;
  align-content: start;
  padding: 20px;
  border-radius: 22px;
  min-height: 100%;
}

.motor-support-card-green {
  background: linear-gradient(180deg, #f3fbf5 0%, #edf8f0 100%);
}

.motor-support-card-blue {
  background: linear-gradient(180deg, #f3f8ff 0%, #edf4ff 100%);
}

.motor-support-card-orange {
  background: linear-gradient(180deg, #fff7ef 0%, #fff3e5 100%);
}

.motor-support-copy p {
  margin-bottom: 0;
}

.motor-support-copy .motor-check-list {
  margin-top: 0;
}

.motor-support-copy {
  display: grid;
  align-content: start;
  gap: 10px;
}

.motor-support-copy h3 {
  max-width: 260px;
}

.motor-support-art,
.motor-support-icon-art {
  display: flex;
  align-items: flex-end;
  justify-content: flex-end;
  min-height: 96px;
}

.motor-support-art img,
.motor-support-icon-art img {
  display: block;
  width: 100%;
  max-width: 132px;
  margin-left: 0;
  object-fit: contain;
}

.motor-faq-section {
  padding: 24px;
}

.motor-faq-list {
  display: grid;
  gap: 10px;
}

.motor-faq-item {
  border: 1px solid rgba(11, 40, 84, 0.08);
  border-radius: 16px;
  background: #fff;
  overflow: hidden;
}

.motor-faq-item summary {
  position: relative;
  display: block;
  padding: 18px 50px 18px 18px;
  list-style: none;
  cursor: pointer;
  font-weight: 700;
  color: var(--navy-900);
}

.motor-faq-item summary::-webkit-details-marker {
  display: none;
}

.motor-faq-item summary::after {
  content: "+";
  position: absolute;
  right: 18px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.5rem;
  color: var(--green-700);
}

.motor-faq-item[open] summary::after {
  content: "-";
}

.motor-faq-item[open] summary {
  border-bottom: 1px solid rgba(11, 40, 84, 0.08);
}

.motor-faq-item p {
  padding: 16px 18px 18px;
}

.motor-disclaimer-panel {
  padding: 18px 22px;
}

.motor-disclaimer-panel p {
  text-align: center;
  font-size: 0.92rem;
}

.motor-form-rail {
  position: sticky;
  top: 108px;
}

.motor-support-form {
  display: grid;
  gap: 12px;
  padding: 0 18px 18px;
  overflow: hidden;
}

.motor-form-head {
  margin: 0 -18px 4px;
  padding: 18px;
  background: linear-gradient(180deg, #0d2750 0%, #082040 100%);
  color: #fff;
}

.motor-form-head h2 {
  margin: 0;
  color: #fff;
  font-size: 1.45rem;
}

.motor-support-form label {
  display: grid;
  gap: 8px;
}

.motor-support-form label span {
  color: var(--navy-900);
  font-size: 0.85rem;
  font-weight: 800;
}

.motor-support-form input,
.motor-support-form select,
.motor-support-form textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid rgba(11, 40, 84, 0.12);
  border-radius: 10px;
  background: #fff;
  color: var(--text-900);
}

.motor-support-form textarea {
  min-height: 92px;
  resize: vertical;
}

.motor-support-form .form-note,
.motor-support-form .form-status {
  color: var(--text-700);
  text-align: center;
}

@media (min-width: 1181px) {
  .motor-main-grid {
    grid-template-columns: 1fr;
  }

  .motor-form-rail {
    display: none;
  }
}

@media (max-width: 1320px) {
  .motor-importance-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .motor-main-grid {
    grid-template-columns: minmax(0, 1fr) 300px;
  }
}

@media (max-width: 1180px) {
  .motor-layout,
  .motor-main-grid {
    grid-template-columns: 1fr;
  }

  .motor-sidebar,
  .motor-form-rail {
    position: static;
  }

  .motor-sidebar {
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    align-items: start;
  }

  .motor-hero-grid {
    grid-template-columns: 1fr;
    padding: 28px 0 22px;
  }

  .motor-hero-visual {
    min-height: 280px;
  }

  .motor-vehicle-grid,
  .motor-trust-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .motor-support-grid {
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  }
}

@media (max-width: 860px) {
  .motor-hero-copy h1 {
    font-size: clamp(2.3rem, 10vw, 3.6rem);
  }

  .motor-hero-summary {
    font-size: 0.98rem;
  }

  .motor-hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .motor-trust-grid,
  .motor-importance-grid,
  .motor-sidebar,
  .motor-two-col-section {
    grid-template-columns: 1fr;
  }

  .motor-topic-item summary {
    padding: 18px 42px 18px 4px;
    font-size: 1.15rem;
  }

  .motor-trust-item + .motor-trust-item,
  .motor-vehicle-item + .motor-vehicle-item {
    border-left: 0;
  }

  .motor-trust-item:nth-child(n + 2),
  .motor-vehicle-item:nth-child(n + 2) {
    border-top: 1px solid rgba(11, 40, 84, 0.08);
  }

  .motor-support-icon-art,
  .motor-support-art {
    max-width: 200px;
    margin: 0 auto;
  }
}

@media (max-width: 640px) {
  .motor-layout {
    padding-top: 18px;
  }

  .motor-section,
  .motor-faq-section,
  .motor-disclaimer-panel {
    padding: 20px 18px;
  }

  .motor-hero-visual {
    min-height: 180px;
  }

  .motor-hero-vehicles {
    width: 100%;
  }

  .motor-vehicle-grid {
    grid-template-columns: 1fr;
  }

  .motor-form-head h2 {
    font-size: 1.28rem;
  }
}

/* Portfolio management page */

.portfolio-shell .shell-inner {
  width: min(1320px, calc(100% - 48px));
}

.portfolio-page {
  padding-bottom: 36px;
}

.portfolio-hero-banner {
  position: relative;
  padding: 14px 0 0;
  color: #fff;
  background:
    radial-gradient(circle at 14% 22%, rgba(26, 136, 255, 0.1), transparent 22%),
    radial-gradient(circle at 82% 24%, rgba(66, 217, 112, 0.12), transparent 18%),
    linear-gradient(180deg, rgba(5, 18, 41, 0.8) 0%, rgba(7, 22, 50, 0.92) 100%),
    url("assets/portfolio/prudentpath_portfolio_management_assets/hero_portfolio_dark_background.svg")
      center / cover no-repeat;
  overflow: hidden;
}

.portfolio-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(460px, 0.98fr);
  gap: 20px;
  align-items: center;
  padding-bottom: 10px;
}

.portfolio-hero-kicker {
  margin: 0 0 14px;
  font-size: 1rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: #4bd56c;
}

.portfolio-hero-copy h1 {
  margin: 0;
  max-width: 620px;
  font-size: clamp(2.15rem, 3.9vw, 3.7rem);
  line-height: 0.95;
  letter-spacing: -0.06em;
  color: #fff;
}

.portfolio-hero-copy h1 span {
  display: block;
  color: #57d76c;
}

.portfolio-hero-summary {
  margin: 14px 0 0;
  max-width: 600px;
  color: rgba(255, 255, 255, 0.86);
  font-size: 0.98rem;
  line-height: 1.58;
}

.portfolio-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 18px;
}

.portfolio-hero-actions .btn-secondary {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.35);
  box-shadow: none;
}

.portfolio-hero-actions .btn-secondary::before {
  box-shadow: inset 0 0 0 3px rgba(8, 27, 58, 0.9);
}

.portfolio-hero-trust {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 12px;
  margin-top: 18px;
}

.portfolio-hero-trust-item {
  display: grid;
  grid-template-columns: 28px minmax(0, 1fr);
  gap: 10px;
  align-items: center;
  min-height: 52px;
  padding: 6px 0;
}

.portfolio-hero-trust-item img {
  width: 24px;
  height: 24px;
}

.portfolio-hero-trust-item span {
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.82rem;
  font-weight: 700;
  line-height: 1.28;
}

.portfolio-hero-visual {
  display: flex;
  justify-content: flex-end;
  align-items: center;
}

.portfolio-hero-visual img {
  display: block;
  width: min(100%, 500px);
  object-fit: contain;
}

.portfolio-stats-strip {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 0;
  margin-top: -14px;
  padding: 0;
  border: 1px solid rgba(11, 40, 84, 0.08);
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.98);
  box-shadow: var(--shadow-card);
  overflow: hidden;
}

.portfolio-stat-item {
  display: grid;
  justify-items: center;
  gap: 4px;
  padding: 18px 16px 16px;
  text-align: center;
}

.portfolio-stat-item + .portfolio-stat-item {
  border-left: 1px solid rgba(11, 40, 84, 0.08);
}

.portfolio-stat-item img {
  width: 26px;
  height: 26px;
  margin-bottom: 2px;
}

.portfolio-stat-item strong {
  color: var(--navy-900);
  font-size: 1.35rem;
  font-weight: 800;
  letter-spacing: -0.04em;
}

.portfolio-stat-item span {
  color: var(--text-700);
  font-size: 0.84rem;
  font-weight: 700;
}

.portfolio-layout {
  display: grid;
  grid-template-columns: 250px minmax(0, 1fr) 320px;
  gap: 24px;
  align-items: start;
  padding-top: 24px;
}

.portfolio-wide-stack {
  display: grid;
  gap: 18px;
  padding-top: 18px;
}

.portfolio-sidebar-left,
.portfolio-main,
.portfolio-sidebar-right {
  display: grid;
  gap: 18px;
}

.portfolio-sidebar-left,
.portfolio-sidebar-right {
  position: sticky;
  top: 106px;
}

.portfolio-side-card,
.portfolio-left-cta,
.portfolio-section,
.portfolio-review-form,
.portfolio-ready-card,
.portfolio-regulatory-note {
  border: 1px solid var(--border);
  border-radius: 24px;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: var(--shadow-card);
}

.portfolio-side-card {
  overflow: hidden;
}

.portfolio-side-card-head,
.portfolio-review-form-head {
  padding: 18px 20px;
  background: linear-gradient(180deg, #0d2750 0%, #082040 100%);
  color: #fff;
  font-size: 1.45rem;
  font-weight: 800;
  letter-spacing: -0.04em;
}

.portfolio-review-form-head h2 {
  margin: 0;
  color: #fff;
  font-size: 1.45rem;
  line-height: 1.08;
  letter-spacing: -0.04em;
}

.portfolio-side-list,
.portfolio-bullet-list,
.portfolio-service-list {
  margin: 0;
  padding: 18px 20px 22px;
  list-style: none;
  display: grid;
  gap: 12px;
}

.portfolio-side-list li,
.portfolio-bullet-list li,
.portfolio-service-list li {
  position: relative;
  padding-left: 20px;
  color: var(--text-700);
  line-height: 1.55;
}

.portfolio-side-list li::before,
.portfolio-bullet-list li::before,
.portfolio-service-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.58em;
  width: 8px;
  height: 8px;
  border-radius: 999px;
  background: var(--green-700);
}

.portfolio-left-cta {
  padding: 22px 20px;
  background: linear-gradient(180deg, #f5fbf4 0%, #eef8ef 100%);
}

.portfolio-left-cta h2,
.portfolio-section-head h2,
.portfolio-ready-card h2 {
  margin: 0 0 10px;
  font-size: clamp(1.55rem, 2vw, 2.2rem);
  line-height: 1.08;
  letter-spacing: -0.04em;
  color: var(--navy-900);
}

.portfolio-left-cta p,
.portfolio-section-head p,
.portfolio-benefit-card p,
.portfolio-process-item p,
.portfolio-quote-card p,
.portfolio-ready-card p,
.portfolio-faq-item p,
.portfolio-review-form .form-note,
.portfolio-regulatory-note p {
  margin: 0;
  color: var(--text-700);
  line-height: 1.72;
}

.portfolio-left-cta-art {
  display: flex;
  justify-content: center;
  padding: 16px 0 18px;
}

.portfolio-left-cta-art img {
  width: 100%;
  max-width: 140px;
}

.portfolio-left-cta .btn,
.portfolio-ready-card .btn,
.portfolio-review-form .btn {
  width: 100%;
}

.portfolio-section {
  padding: 24px;
}

.portfolio-section-head {
  margin-bottom: 18px;
}

.portfolio-benefit-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.portfolio-benefit-card {
  display: grid;
  align-content: start;
  justify-items: center;
  gap: 10px;
  min-height: 100%;
  padding: 20px 16px;
  border: 1px solid rgba(11, 40, 84, 0.08);
  border-radius: 18px;
  text-align: center;
}

.portfolio-benefit-card img {
  width: 48px;
  height: 48px;
}

.portfolio-benefit-card h3,
.portfolio-process-item h3,
.portfolio-allocation-item strong,
.portfolio-quote-card blockquote {
  margin: 0;
  color: var(--navy-900);
}

.portfolio-benefit-card h3,
.portfolio-process-item h3 {
  font-size: 1rem;
  line-height: 1.25;
}

.portfolio-allocation-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 12px;
}

.portfolio-allocation-item {
  display: grid;
  justify-items: center;
  gap: 8px;
  padding: 18px 12px;
  border: 1px solid rgba(11, 40, 84, 0.08);
  border-radius: 18px;
  background: #fff;
  text-align: center;
}

.portfolio-allocation-item img {
  width: 48px;
  height: 48px;
}

.portfolio-allocation-item strong {
  font-size: 1.45rem;
  font-weight: 800;
  letter-spacing: -0.04em;
}

.portfolio-allocation-item span {
  color: var(--text-700);
  font-weight: 700;
}

.portfolio-process-grid {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 14px;
}

.portfolio-process-item {
  display: grid;
  justify-items: center;
  gap: 10px;
  min-height: 100%;
  padding: 20px 14px;
  border: 1px solid rgba(11, 40, 84, 0.08);
  border-radius: 18px;
  background: #fff;
  text-align: center;
}

.portfolio-process-item img {
  width: 54px;
  height: 54px;
}

.portfolio-perspective-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr 0.92fr;
  gap: 16px;
  padding: 0;
  border: 0;
  background: transparent;
  box-shadow: none;
}

.portfolio-perspective-card,
.portfolio-quote-card {
  position: relative;
  min-height: 100%;
  padding: 24px;
  border: 1px solid var(--border);
  border-radius: 24px;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: var(--shadow-card);
}

.portfolio-perspective-art {
  display: block;
  width: min(100%, 180px);
  margin: 16px 0 0 auto;
}

.portfolio-quote-card {
  display: grid;
  align-content: space-between;
  gap: 14px;
  background: linear-gradient(180deg, #f7fcf5 0%, #eff9ef 100%);
}

.portfolio-quote-card img {
  width: min(100%, 170px);
}

.portfolio-quote-card blockquote {
  font-size: 1.65rem;
  line-height: 1.3;
  letter-spacing: -0.03em;
}

.portfolio-quote-card p {
  font-weight: 700;
}

.portfolio-faq-cta-wrap {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: 18px;
}

.portfolio-faq-block {
  border: 1px solid rgba(11, 40, 84, 0.08);
  border-radius: 24px;
  background: rgba(255, 255, 255, 0.95);
  padding: 24px;
}

.portfolio-faq-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0 18px;
}

.portfolio-faq-item {
  border-top: 1px solid rgba(11, 40, 84, 0.1);
}

.portfolio-faq-item:nth-child(-n + 2) {
  border-top: 0;
}

.portfolio-faq-item summary {
  position: relative;
  display: block;
  padding: 16px 34px 16px 0;
  list-style: none;
  cursor: pointer;
  color: var(--navy-900);
  font-weight: 700;
  line-height: 1.45;
}

.portfolio-faq-item summary::-webkit-details-marker {
  display: none;
}

.portfolio-faq-item summary::after {
  content: "+";
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  color: var(--green-700);
  font-size: 1.25rem;
  font-weight: 700;
}

.portfolio-faq-item[open] summary::after {
  content: "-";
}

.portfolio-faq-item p {
  padding: 0 0 16px;
}

.portfolio-ready-card {
  display: grid;
  align-content: start;
  gap: 14px;
  padding: 24px;
  background: linear-gradient(180deg, #0d2750 0%, #082040 100%);
}

.portfolio-ready-card h2,
.portfolio-ready-card p,
.portfolio-ready-card a:not(.btn) {
  color: #fff;
}

.portfolio-ready-card img {
  display: block;
  width: min(100%, 220px);
  margin-left: auto;
}

.portfolio-ready-card a:not(.btn) {
  font-weight: 700;
}

.portfolio-regulatory-note {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  align-items: center;
  padding: 18px 20px;
}

.portfolio-regulatory-copy {
  display: grid;
  grid-template-columns: 44px minmax(0, 1fr);
  gap: 14px;
  align-items: start;
}

.portfolio-regulatory-copy img {
  width: 40px;
  height: 40px;
}

.portfolio-regulatory-badge {
  flex: 0 0 auto;
  padding: 12px 16px;
  border-radius: 14px;
  background: rgba(17, 116, 58, 0.08);
  color: var(--green-800);
  font-size: 0.88rem;
  font-weight: 800;
  text-align: center;
}

.portfolio-review-form {
  overflow: hidden;
}

.portfolio-review-form form {
  display: contents;
}

.portfolio-review-form label {
  display: grid;
  gap: 8px;
  padding: 0 18px;
}

.portfolio-review-form label span {
  color: var(--navy-900);
  font-size: 0.86rem;
  font-weight: 800;
}

.portfolio-review-form input,
.portfolio-review-form select,
.portfolio-review-form textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid rgba(11, 40, 84, 0.12);
  border-radius: 10px;
  background: #fff;
  color: var(--text-900);
}

.portfolio-review-form textarea {
  min-height: 94px;
  resize: vertical;
}

.portfolio-review-form .btn,
.portfolio-review-form .form-note,
.portfolio-review-form .form-status {
  margin: 0 18px 0;
  color: var(--text-700);
}

.portfolio-review-form .btn {
  margin-top: 4px;
}

.portfolio-review-form .form-note,
.portfolio-review-form .form-status {
  text-align: center;
}

.portfolio-review-form {
  display: grid;
  gap: 12px;
}

@media (max-width: 1400px) {
  .portfolio-hero-grid {
    grid-template-columns: minmax(0, 1fr) minmax(400px, 0.92fr);
  }

  .portfolio-layout {
    grid-template-columns: 230px minmax(0, 1fr) 300px;
  }

  .portfolio-benefit-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 1320px) {
  .portfolio-stat-item strong {
    font-size: 1.2rem;
  }
}

@media (max-width: 1180px) {
  .portfolio-shell .shell-inner {
    width: min(100%, calc(100% - 32px));
  }

  .portfolio-layout,
  .portfolio-faq-cta-wrap {
    grid-template-columns: 1fr;
  }

  .portfolio-sidebar-left,
  .portfolio-sidebar-right {
    position: static;
  }

  .portfolio-sidebar-left {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    align-items: start;
  }

  .portfolio-review-form {
    max-width: 420px;
  }

  .portfolio-perspective-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .portfolio-quote-card {
    grid-column: 1 / -1;
  }

  .portfolio-hero-trust {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .portfolio-stats-strip {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .portfolio-stat-item:nth-child(4) {
    border-left: 0;
  }
}

@media (max-width: 960px) {
  .portfolio-hero-grid {
    grid-template-columns: 1fr;
    padding-bottom: 18px;
  }

  .portfolio-hero-visual {
    justify-content: center;
  }

  .portfolio-allocation-grid,
  .portfolio-faq-grid,
  .portfolio-perspective-grid,
  .portfolio-stats-strip {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .portfolio-benefit-grid,
  .portfolio-process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 860px) {
  .portfolio-shell .shell-inner {
    width: min(100%, calc(100% - 28px));
  }

  .portfolio-sidebar-left {
    grid-template-columns: 1fr;
  }

  .portfolio-hero-copy h1 {
    font-size: clamp(2.4rem, 10vw, 3.5rem);
  }

  .portfolio-hero-summary {
    font-size: 0.98rem;
  }

  .portfolio-hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .portfolio-hero-trust,
  .portfolio-stats-strip,
  .portfolio-benefit-grid,
  .portfolio-allocation-grid,
  .portfolio-process-grid,
  .portfolio-faq-grid,
  .portfolio-perspective-grid {
    grid-template-columns: 1fr;
  }

  .portfolio-stat-item + .portfolio-stat-item {
    border-left: 0;
    border-top: 1px solid rgba(11, 40, 84, 0.08);
  }

  .portfolio-faq-item {
    border-top: 1px solid rgba(11, 40, 84, 0.1);
  }

  .portfolio-faq-item:first-child {
    border-top: 0;
  }

  .portfolio-regulatory-note {
    flex-direction: column;
    align-items: stretch;
  }

  .portfolio-regulatory-copy {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .portfolio-section,
  .portfolio-faq-block,
  .portfolio-ready-card,
  .portfolio-side-card,
  .portfolio-left-cta,
  .portfolio-review-form,
  .portfolio-regulatory-note {
    border-radius: 20px;
  }

  .portfolio-section,
  .portfolio-faq-block,
  .portfolio-ready-card {
    padding: 20px 18px;
  }

  .portfolio-review-form-head,
  .portfolio-side-card-head {
    padding: 16px 18px;
  }

  .portfolio-side-list,
  .portfolio-bullet-list,
  .portfolio-service-list {
    padding: 16px 18px 18px;
  }
}