/* ── SCROLL PROGRESS ────────────────────────────────────────── */
    #scroll-bar {
      position: fixed; top: 0; left: 0; z-index: 9999;
      height: 3px; width: 0%;
      background: linear-gradient(90deg, #1565C0, #D94040, #E5A020);
      transition: width .1s linear; pointer-events: none;
    }

    /* ── DESIGN TOKENS ──────────────────────────────────────────── */
    :root {
      --g900: #0A2558;
      --g800: #0D3380;
      --g700: #1565C0;   /* lightened from #0D47A1 */
      --g600: #1976D2;
      --g200: #BBDEFB;
      --g100: #DDEEFF;
      --g50:  #F0F7FF;
      --gold:       #E5A020;
      --gold-light: #F0BA45;
      --gold-pale:  #FEF9ED;
      --gold-dark:  #B87A10;
      --white: #FFFFFF;
      --ink:   #111827;
      --gray-700: #374151;
      --gray-500: #6B7280;
      --gray-400: #9CA3AF;
      --gray-300: #D1D5DB;
      --gray-200: #E5E7EB;
      --gray-100: #F3F4F6;
      --gray-50:  #F9FAFB;
      --sh-sm: 0 1px 3px rgba(0,0,0,.06);
      --sh-md: 0 4px 20px rgba(0,0,0,.09);
      --sh-lg: 0 12px 48px rgba(0,0,0,.13);
      --r: 10px; --rl: 18px; --rx: 26px; --t: .3s ease;
    }

    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body {
      font-family: 'Poppins', sans-serif;
      color: var(--ink); background: var(--white);
      line-height: 1.6; overflow-x: hidden;
      -webkit-font-smoothing: antialiased;
    }
    ::selection { background: rgba(21,101,192,.15); color: var(--g900); }
    :focus-visible { outline: 2.5px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
    img { display: block; max-width: 100%; height: auto; }
    a { text-decoration: none; color: inherit; }
    ul { list-style: none; }
    button { font-family: inherit; cursor: pointer; }
    .wrap { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 28px; }

    /* ── TYPOGRAPHY ─────────────────────────────────────────────── */
    .label {
      display: inline-block; font-size: 12px; font-weight: 700;
      letter-spacing: .6px; text-transform: uppercase;
      color: var(--gray-700);
      border-left: 3px solid var(--g700); padding-left: 10px; line-height: 1.4;
    }
    .label.gold   { color: rgba(255,255,255,.75); border-color: var(--gold); }
    .label.white  { color: rgba(255,255,255,.6);  border-color: rgba(255,255,255,.4); }
    .label.blue   { color: var(--g700); border-color: var(--g700); }

    .h2 { font-size: clamp(24px, 3vw, 34px); font-weight: 700; color: var(--ink); line-height: 1.25; margin-top: 10px; letter-spacing: -.3px; }
    .h2.white { color: var(--white); }
    .body-lg { font-size: 15.5px; color: var(--gray-500); line-height: 1.78; margin-top: 14px; }
    .body-lg.white { color: rgba(255,255,255,.72); }

    /* ── BUTTONS ─────────────────────────────────────────────────── */
    .btn {
      display: inline-flex; align-items: center; gap: 9px;
      padding: 12px 24px; border-radius: 8px;
      font-size: 15px; font-weight: 500;
      border: 2px solid transparent;
      transition: all var(--t); white-space: nowrap;
    }
    .btn-primary { background: var(--g700); color: var(--white); border-color: var(--g700); border-radius: 6px; }
    .btn-primary:hover { background: var(--g800); border-color: var(--g800); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(13,48,128,.3); }
    .btn-sm { padding: 10px 22px; font-size: 13.5px; }
    .btn-ghost { background: rgba(255,255,255,.15); color: var(--white); border-color: rgba(255,255,255,.5); border-radius: 6px; backdrop-filter: blur(4px); font-weight: 600; }
    .btn-ghost:hover { background: rgba(255,255,255,.26); border-color: rgba(255,255,255,.75); }
    .btn-outline { background: transparent; color: var(--g700); border-color: var(--g700); border-radius: 6px; }
    .btn-outline:hover { background: var(--g700); color: var(--white); transform: translateY(-1px); }
    .btn-white-solid { background: var(--white); color: var(--g900); border-color: var(--white); border-radius: 100px; font-weight: 700; }
    .btn-white-solid:hover { background: var(--g50); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,0,0,.15); }
    .btn svg { width: 16px; height: 16px; flex-shrink: 0; }

    /* ── SCROLL ANIMATION ────────────────────────────────────────── */
    .js .rise { opacity: 0; transform: translateY(26px); transition: opacity .6s cubic-bezier(.22,.61,.36,1), transform .6s cubic-bezier(.22,.61,.36,1); }
    .js .rise.in { opacity: 1; transform: none; }
    .d1 { transition-delay: .08s; } .d2 { transition-delay: .16s; }
    .d3 { transition-delay: .24s; } .d4 { transition-delay: .32s; }
    .d5 { transition-delay: .4s; }  .d6 { transition-delay: .48s; }

    /* ── ANNOUNCEMENT BAR ────────────────────────────────────────── */
    .ann {
      background: var(--g50); color: #4B5563;
      border-bottom: 1px solid var(--g100);
      font-size: 13px; text-align: center; padding: 9px 24px;
      display: flex; align-items: center; justify-content: center;
      gap: 10px; flex-wrap: wrap;
    }
    .ann strong { color: var(--g800); }
    .ann a { color: var(--g700); font-weight: 700; }
    .ann a:hover { text-decoration: underline; }
    .ann-pulse { display: inline-block; width: 7px; height: 7px; border-radius: 50%; background: var(--g700); animation: pulse 2s ease-in-out infinite; flex-shrink: 0; }
    @keyframes pulse { 0%,100%{opacity:1;transform:scale(1);box-shadow:0 0 0 0 rgba(21,101,192,.35)} 50%{opacity:.8;transform:scale(1.15);box-shadow:0 0 0 5px rgba(21,101,192,0)} }

    /* ── NAVBAR ──────────────────────────────────────────────────── */
    .container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 28px; }
    .navbar {
      position: sticky; top: 0; z-index: 1000;
      background: rgba(255,255,255,.97); backdrop-filter: blur(12px);
      border-bottom: 1px solid var(--gray-100); transition: box-shadow var(--t);
    }
    .navbar.scrolled { box-shadow: 0 2px 24px rgba(0,0,0,.09); }
    .navbar.scrolled::after {
      content: '';
      position: absolute; bottom: 0; left: 0; right: 0;
      height: 2px;
      background: linear-gradient(90deg, var(--g700), var(--gold), var(--g700));
      opacity: .6;
    }
    .nav-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; }
    .nav-logo { flex-shrink: 0; min-width: 0; }
    .nav-logo img { height: 42px; width: auto; flex-shrink: 0; }
    .nav-links { display: flex; align-items: center; gap: 0; }
    .nav-item { position: relative; }
    .nav-link {
      display: flex; align-items: center; gap: 4px;
      padding: 9px 14px; font-size: 13.5px; font-weight: 500;
      color: #4B5563; border-radius: 7px; transition: all var(--t); white-space: nowrap;
    }
    .nav-link:hover, .nav-link.active { color: var(--g700); background: var(--g50); }
    @media (max-width: 1280px) {
      .nav-link { padding: 7px 9px; font-size: 12.5px; }
    @media (max-width: 1100px) { .nav-hide-md { display: none; } }
    }
    .nav-link.active { font-weight: 600; }
    .nav-chev { width: 12px; height: 12px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; transition: transform var(--t); }
    .nav-item:hover .nav-chev { transform: rotate(180deg); }
    .dropdown {
      position: absolute; top: calc(100% + 8px); left: 0;
      background: var(--white); border: 1px solid var(--gray-200);
      border-radius: var(--rl); box-shadow: var(--sh-lg);
      min-width: 220px; padding: 8px; opacity: 0; pointer-events: none;
      transform: translateY(10px) scale(.97); transform-origin: top left;
      transition: all .22s cubic-bezier(.22,.61,.36,1); z-index: 200;
    }
    .nav-item:hover .dropdown { opacity: 1; pointer-events: all; transform: none; }
    .dropdown a { display: flex; align-items: center; gap: 8px; padding: 9px 14px; font-size: 13.5px; color: var(--gray-700); border-radius: 8px; transition: all var(--t); }
    .dropdown a::before { content: ''; width: 5px; height: 5px; border-radius: 50%; background: var(--g200); flex-shrink: 0; transition: background var(--t); }
    .dropdown a:hover { background: var(--g50); color: var(--g700); }
    .dropdown a:hover::before { background: var(--gold); }
    .nav-right { display: flex; flex-shrink: 0; align-items: center; gap: 16px; }
    .i-access {
      display: inline-flex; align-items: center; gap: 7px;
      padding: 8px 16px; border-radius: 100px;
      border: 1.5px solid var(--g200);
      font-size: 13px; font-weight: 600; color: var(--g700);
      transition: all var(--t);
    }
    .i-access:hover { background: var(--g50); border-color: var(--g700); }
    .hamburger { display: none; flex-direction: column; gap: 5px; padding: 6px; border: none; background: none; border-radius: 6px; }
    .hamburger span { display: block; width: 22px; height: 2px; background: var(--gray-700); border-radius: 2px; transition: all var(--t); }
    .hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
    .hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
    .hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }
    .mobile-nav { display: grid; grid-template-rows: 0fr; background: var(--white); border-top: 1px solid var(--gray-100); transition: grid-template-rows .35s cubic-bezier(.22,.61,.36,1); overflow: hidden; }
    .mobile-nav.open { grid-template-rows: 1fr; }
    .mobile-nav-inner { overflow: hidden; padding: 0 28px; }
    .mobile-nav.open .mobile-nav-inner { padding: 12px 28px 24px; }
    .mobile-nav a { display: flex; align-items: center; gap: 10px; padding: 12px 0; font-size: 15px; font-weight: 500; color: var(--gray-700); border-bottom: 1px solid var(--gray-100); transition: color var(--t), padding-left var(--t); }
    .mobile-nav a:hover { color: var(--g700); padding-left: 4px; }
    .mobile-nav a::before {
      content: ''; width: 0; height: 2px;
      background: var(--gold); border-radius: 2px;
      transition: width var(--t); flex-shrink: 0;
    }
    .mobile-nav a:hover::before { width: 12px; }
    .mobile-nav .m-cta { margin-top: 18px; display: flex; flex-direction: column; gap: 10px; }
    .mobile-nav .btn { width: 100%; justify-content: center; }

    /* ── HERO ────────────────────────────────────────────────────── */
    .hero {
      position: relative; overflow: hidden;
      background: var(--g900);
      min-height: 480px; display: flex; align-items: stretch;
    }
    .hero-photo { position: absolute; top: 0; right: 0; width: 65%; height: 100%; overflow: hidden; }
    .hero-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center center; }
    .hero-photo::after {
      content: ''; position: absolute; inset: 0;
      background: linear-gradient(90deg, var(--g900) 0%, rgba(10,37,88,.92) 14%, rgba(10,37,88,.65) 34%, rgba(10,37,88,.22) 60%, transparent 100%);
    }
    .hero-watermark {
      position: absolute; z-index: 1; top: 50%; left: 20px; transform: translateY(-50%);
      width: 360px; height: 360px; opacity: .05; pointer-events: none;
    }
    .hero-watermark img { width: 100%; height: 100%; object-fit: contain; filter: brightness(0) invert(1); }
    .hero-inner { position: relative; z-index: 2; width: 100%; display: flex; align-items: center; }
    .hero-content { max-width: 560px; padding: 90px 0 100px; }
    .hero-badge {
      display: inline-flex; align-items: center; gap: 9px;
      background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.18);
      border-radius: 100px; padding: 6px 16px 6px 8px;
      font-size: 12.5px; color: rgba(255,255,255,.85); font-weight: 600;
      margin-bottom: 24px; backdrop-filter: blur(4px);
    }
    .hero-badge-pip { width: 26px; height: 26px; border-radius: 50%; background: rgba(255,255,255,.18); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
    .hero-badge-pip svg { width: 12px; height: 12px; color: var(--white); }
    .hero-title { font-size: clamp(32px, 5vw, 50px); font-weight: 700; color: var(--white); line-height: 1.15; margin-bottom: 18px; letter-spacing: -.5px; }
    .hero-title span { color: #7EB8FF; }
    .hero-sub { font-size: 15.5px; color: rgba(255,255,255,.76); line-height: 1.78; margin-bottom: 36px; max-width: 440px; }
    .hero-btns { display: flex; flex-wrap: wrap; gap: 12px; }

    /* breadcrumb */
    .breadcrumb-strip { background: var(--g50); border-bottom: 1px solid var(--g100); padding: 12px 0; }
    .breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--gray-500); }
    .breadcrumb a { color: var(--g700); font-weight: 500; }
    .breadcrumb a:hover { text-decoration: underline; }
    .breadcrumb svg { width: 14px; height: 14px; flex-shrink: 0; }

    /* ── STICKY SECTION TABS ─────────────────────────────────────── */
    .section-tabs {
      position: sticky; top: 72px; z-index: 900;
      background: rgba(255,255,255,.97); backdrop-filter: blur(10px);
      border-bottom: 1px solid var(--gray-200);
      box-shadow: 0 2px 8px rgba(0,0,0,.06);
    }
    .tabs-inner { display: flex; align-items: center; gap: 0; overflow-x: auto; scrollbar-width: none; }
    .tabs-inner::-webkit-scrollbar { display: none; }
    .section-tab {
      display: flex; align-items: center; gap: 7px;
      padding: 14px 18px; font-size: 13px; font-weight: 500; white-space: nowrap;
      color: var(--gray-500); border-bottom: 2px solid transparent;
      transition: all var(--t); cursor: pointer;
    }
    .section-tab:hover { color: var(--g700); background: var(--g50); }
    .section-tab.active { color: var(--g700); font-weight: 600; border-bottom-color: var(--g700); background: var(--g50); }
    .section-tab .tab-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--g200); flex-shrink: 0; transition: background var(--t); }
    .section-tab.active .tab-dot { background: var(--g700); }

    /* ── SECTION HEADERS (reusable) ──────────────────────────────── */
    .sec-header { text-align: center; max-width: 640px; margin: 0 auto 52px; }
    .sec-header .label { margin-bottom: 8px; }
    .sec-header .h2 { font-size: clamp(24px, 3.2vw, 36px); }
    .sec-header .body-lg { max-width: 520px; margin: 14px auto 0; text-align: center; }

    /* ─────────────────────────────────────────────────────────────
       SECTION 1: OVERVIEW (white bg)
    ───────────────────────────────────────────────────────────── */
    #overview { background: var(--white); padding: 72px 0 0; }

    .overview-intro { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; padding-bottom: 64px; }
    .overview-text .h2 { font-size: clamp(26px, 3.2vw, 38px); }
    .overview-text .body-lg { max-width: 100%; }
    .overview-text .body-lg + .body-lg { margin-top: 12px; }
    .overview-badge-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
    .ov-badge {
      display: inline-flex; align-items: center; gap: 7px;
      padding: 6px 14px; border-radius: 100px;
      border: 1.5px solid var(--g200); background: var(--g50);
      font-size: 12.5px; font-weight: 600; color: var(--g700);
    }
    .ov-badge svg { width: 13px; height: 13px; }
    .overview-visual { position: relative; }
    .overview-img { width: 100%; border-radius: var(--rl); box-shadow: var(--sh-lg); height: 400px; object-fit: cover; }
    .overview-float {
      position: absolute; bottom: -20px; right: -20px;
      background: var(--white); border-radius: var(--rl); box-shadow: var(--sh-lg);
      padding: 18px 22px; border-left: 4px solid var(--gold);
    }
    .overview-float-num { font-size: 28px; font-weight: 800; color: var(--g900); line-height: 1; }
    .overview-float-txt { font-size: 11.5px; color: var(--gray-500); margin-top: 2px; }

    /* Three entities strip */
    .entities { background: var(--g700); padding: 28px 0; }
    .entities-grid { display: grid; grid-template-columns: repeat(3,1fr); }
    .entity-cell {
      text-align: center; padding: 24px 20px;
      border-right: 1px solid rgba(255,255,255,.15);
      transition: background var(--t);
    }
    .entity-cell:last-child { border-right: none; }
    .entity-cell:hover { background: rgba(255,255,255,.08); }
    .entity-icon {
      width: 48px; height: 48px; border-radius: 12px;
      background: rgba(255,255,255,.15); border: 1px solid rgba(255,255,255,.2);
      display: flex; align-items: center; justify-content: center;
      margin: 0 auto 12px;
    }
    .entity-icon svg { width: 22px; height: 22px; color: var(--white); }
    .entity-name { font-size: 15px; font-weight: 700; color: var(--white); }
    .entity-desc { font-size: 12.5px; color: rgba(255,255,255,.65); margin-top: 4px; }
    .entity-link { display: inline-flex; align-items: center; gap: 5px; margin-top: 12px; font-size: 12px; font-weight: 600; color: var(--gold); transition: gap var(--t); }
    .entity-link:hover { gap: 9px; }
    .entity-link svg { width: 12px; height: 12px; }

    /* Stats strip — white bg */
    .stats-strip { background: var(--white); border-top: 1px solid var(--gray-100); border-bottom: 1px solid var(--gray-100); }
    .stats-grid { display: grid; grid-template-columns: repeat(4,1fr); }
    .stat-cell { padding: 36px 20px; text-align: center; border-right: 1px solid var(--gray-100); transition: background var(--t); }
    .stat-cell:last-child { border-right: none; }
    .stat-cell:hover { background: var(--g50); }
    .stat-icon { width: 48px; height: 48px; border-radius: 14px; background: var(--g50); border: 1.5px solid var(--g100); display: flex; align-items: center; justify-content: center; margin: 0 auto 14px; }
    .stat-icon svg { width: 22px; height: 22px; color: var(--g700); }
    .stat-num { font-size: 34px; font-weight: 800; color: var(--g900); line-height: 1; margin-bottom: 6px; letter-spacing: -1px; }
    .stat-num sup { font-size: 18px; font-weight: 700; }
    .stat-main { font-size: 14px; font-weight: 700; color: var(--g900); line-height: 1.3; margin-bottom: 4px; }
    .stat-sub { font-size: 12px; color: var(--gray-400); line-height: 1.4; }

    /* ─────────────────────────────────────────────────────────────
       JOURNEY (light gray bg — section 1b)
    ───────────────────────────────────────────────────────────── */
    .journey { background: var(--gray-50); padding: 80px 0; }
    .journey-grid { display: grid; grid-template-columns: 1fr 400px; gap: 56px; align-items: start; }

    .timeline { position: relative; display: grid; gap: 0; }
    .timeline::before { content: ''; position: absolute; left: 72px; top: 24px; bottom: 0; width: 2px; background: linear-gradient(to bottom, var(--g200), transparent); }

    .tl-item { display: grid; grid-template-columns: 140px 1fr; gap: 0; padding: 0 0 36px; }
    .tl-year {
      position: relative; text-align: right; padding-right: 24px; padding-top: 2px;
      font-size: 22px; font-weight: 800; color: var(--g700); letter-spacing: -1px; line-height: 1;
    }
    .tl-year::after {
      content: ''; position: absolute; right: -6px; top: 6px;
      width: 12px; height: 12px; border-radius: 50%;
      background: var(--white); border: 2.5px solid var(--g700);
      box-shadow: 0 0 0 4px rgba(21,101,192,.12);
    }
    .tl-body { padding-left: 24px; }
    .tl-title { font-size: 15px; font-weight: 700; color: var(--g900); margin-bottom: 6px; }
    .tl-desc { font-size: 13.5px; color: var(--gray-500); line-height: 1.65; }

    /* sticky quote card */
    .journey-quote {
      position: sticky; top: 140px;
      background: var(--g900); border-radius: var(--rl); overflow: hidden;
      box-shadow: var(--sh-lg);
    }
    .jq-img { width: 100%; height: 200px; object-fit: cover; object-position: center top; }
    .jq-body { padding: 28px 28px 32px; }
    .jq-quote-mark { font-size: 48px; line-height: .8; color: var(--gold); font-family: Georgia, serif; margin-bottom: 10px; }
    .jq-text { font-size: 16px; font-weight: 600; color: var(--white); line-height: 1.55; margin-bottom: 20px; }
    .jq-attr { font-size: 12.5px; color: rgba(255,255,255,.5); padding-top: 16px; border-top: 1px solid rgba(255,255,255,.12); }
    .jq-attr strong { color: rgba(255,255,255,.75); display: block; margin-bottom: 2px; }

    /* ─────────────────────────────────────────────────────────────
       OUR FUNDS (white bg)
    ───────────────────────────────────────────────────────────── */
    .funds { background: var(--white); padding: 80px 0; }
    .funds-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
    .fund-card {
      border: 1.5px solid var(--gray-200); border-radius: var(--rl);
      padding: 24px 20px; transition: all var(--t); position: relative; overflow: hidden;
    }
    .fund-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--g700); }
    .fund-card.islamic::before { background: var(--gold); }
    .fund-card:hover { border-color: var(--g200); box-shadow: var(--sh-md); transform: translateY(-3px); }
    .fund-cat { font-size: 11px; font-weight: 700; letter-spacing: .5px; text-transform: uppercase; color: var(--g700); margin-bottom: 10px; }
    .fund-cat.islamic { color: var(--gold-dark); }
    .fund-name { font-size: 14px; font-weight: 700; color: var(--g900); line-height: 1.4; margin-bottom: 10px; }
    .fund-type { display: inline-flex; align-items: center; gap: 5px; font-size: 11px; color: var(--gray-500); background: var(--gray-100); padding: 3px 10px; border-radius: 100px; }

    /* ─────────────────────────────────────────────────────────────
       OUR COMMITMENT (light blue tint bg)
    ───────────────────────────────────────────────────────────── */
    .commitment { background: var(--g50); padding: 80px 0; }
    .commitment-grid { display: grid; grid-template-columns: repeat(5,1fr); gap: 20px; margin-top: 52px; }
    .comm-card {
      background: var(--white); border-radius: var(--rl); border: 1.5px solid var(--g100);
      padding: 28px 22px; text-align: center; transition: all var(--t); cursor: default;
    }
    .comm-card:hover { box-shadow: var(--sh-md); transform: translateY(-4px); border-color: var(--g200); }
    .comm-icon {
      width: 52px; height: 52px; border-radius: 14px;
      background: var(--g50); border: 1.5px solid var(--g100);
      display: flex; align-items: center; justify-content: center;
      margin: 0 auto 16px; transition: all var(--t);
    }
    .comm-card:hover .comm-icon { background: var(--g700); border-color: var(--g700); }
    .comm-icon svg { width: 22px; height: 22px; color: var(--g700); transition: color var(--t); }
    .comm-card:hover .comm-icon svg { color: var(--white); }
    .comm-title { font-size: 14px; font-weight: 700; color: var(--g900); margin-bottom: 8px; }
    .comm-desc { font-size: 12.5px; color: var(--gray-500); line-height: 1.6; }

    /* ─────────────────────────────────────────────────────────────
       OUR APPROACH (gray-50 + navy card)
    ───────────────────────────────────────────────────────────── */
    .approach { background: var(--gray-100); padding: 80px 0; }
    .approach-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: stretch; }
    .approach-left { background: var(--white); border-radius: var(--rl); padding: 44px 40px; border: 1.5px solid var(--gray-200); }
    .check-list { margin-top: 28px; display: flex; flex-direction: column; gap: 14px; }
    .check-item { display: flex; align-items: flex-start; gap: 14px; font-size: 14px; color: var(--gray-700); line-height: 1.5; }
    .check-tick { width: 22px; height: 22px; border-radius: 50%; background: var(--g50); border: 1.5px solid var(--g200); display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px; }
    .check-tick svg { width: 12px; height: 12px; color: var(--g700); }
    .approach-right { background: var(--g900); border-radius: var(--rl); padding: 44px 40px; display: flex; flex-direction: column; justify-content: space-between; }
    .approach-right .h2 { font-size: clamp(22px, 2.5vw, 30px); }
    .approach-tagline { font-size: 32px; font-weight: 800; color: var(--gold); line-height: 1.15; margin: 18px 0 20px; letter-spacing: -.5px; }
    .approach-right .body-lg { max-width: 100%; }
    .approach-cta { margin-top: 32px; }

    /* ══════════════════════════════════════════════════════════════
       SECTION 2: MANAGEMENT TEAM (dark navy)
    ══════════════════════════════════════════════════════════════ */
    #management-team { background: var(--g900); padding: 72px 0; }
    .mgmt-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; margin-top: 44px; }
    .mgmt-card {
      background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12);
      border-radius: var(--rl); padding: 28px 24px; transition: all var(--t);
    }
    .mgmt-card:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.2); transform: translateY(-3px); }
    .mgmt-head { display: flex; align-items: center; gap: 16px; margin-bottom: 16px; }
    .mgmt-photo {
      width: 64px; height: 64px; border-radius: 50%; flex-shrink: 0;
      object-fit: cover; object-position: center top;
      border: 2px solid rgba(255,255,255,.25);
    }
    .mgmt-role { font-size: 10.5px; font-weight: 700; letter-spacing: .5px; text-transform: uppercase; color: var(--gold); margin-bottom: 4px; }
    .mgmt-name { font-size: 15px; font-weight: 700; color: var(--white); line-height: 1.3; }
    .mgmt-divider { height: 1px; background: rgba(255,255,255,.1); margin-bottom: 14px; }
    .mgmt-bio { font-size: 13px; color: rgba(255,255,255,.58); line-height: 1.68; }
    .mgmt-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 14px; }
    .mgmt-tag { font-size: 10.5px; padding: 2px 10px; border-radius: 100px; background: rgba(255,255,255,.09); color: rgba(255,255,255,.65); }

    /* ══════════════════════════════════════════════════════════════
       SECTION 3: CORPORATE STRUCTURE (white, clean)
    ══════════════════════════════════════════════════════════════ */
    #corporate-structure { background: var(--white); padding: 80px 0; }
    .corp-frame {
      background: var(--gray-50); border: 1.5px solid var(--gray-200);
      border-radius: var(--rl); padding: 40px; margin-top: 48px;
      text-align: center; overflow: hidden;
    }
    .corp-frame img { max-width: 100%; height: auto; border-radius: var(--r); margin: 0 auto; }
    .corp-note { margin-top: 24px; font-size: 13px; color: var(--gray-400); }

    /* ══════════════════════════════════════════════════════════════
       SECTION 4: BOARD OF DIRECTORS (gray-50, gold-accent cards)
    ══════════════════════════════════════════════════════════════ */
    #board { background: var(--gray-50); padding: 72px 0; }
    .board-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 20px; margin-top: 44px; }
    .board-card {
      background: var(--white); border-radius: var(--rl);
      border: 1.5px solid var(--gray-200); border-left: 4px solid var(--gold);
      padding: 24px 24px; transition: all var(--t);
    }
    .board-card:hover { box-shadow: var(--sh-md); transform: translateY(-3px); border-left-color: var(--g700); }
    .board-header { display: flex; align-items: center; gap: 16px; margin-bottom: 16px; }
    .board-photo {
      width: 60px; height: 60px; border-radius: 50%; flex-shrink: 0;
      object-fit: cover; object-position: center top;
      border: 2px solid var(--g100);
    }
    .board-title-wrap {}
    .board-type {
      display: inline-block; font-size: 10px; font-weight: 700;
      letter-spacing: .4px; text-transform: uppercase; padding: 2px 9px;
      border-radius: 100px; margin-bottom: 5px;
    }
    .board-type.ind { background: rgba(21,101,192,.08); color: var(--g700); }
    .board-type.non-ind { background: var(--gold-pale); color: var(--gold-dark); }
    .board-name { font-size: 15px; font-weight: 700; color: var(--g900); line-height: 1.3; }
    .board-divider { height: 1px; background: var(--gray-100); margin-bottom: 14px; }
    .board-bio { font-size: 13px; color: var(--gray-500); line-height: 1.65; }
    .board-quals { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 12px; }
    .board-qual { font-size: 10.5px; padding: 2px 9px; border-radius: 100px; background: var(--g50); border: 1px solid var(--g100); color: var(--g700); font-weight: 600; }

    /* ══════════════════════════════════════════════════════════════
       SECTION 5: INVESTMENT COMMITTEE (dark gradient)
    ══════════════════════════════════════════════════════════════ */
    #investment-committee {
      background: linear-gradient(140deg, var(--g900) 0%, #0B2F70 50%, var(--g800) 100%);
      padding: 80px 0; position: relative; overflow: hidden;
    }
    #investment-committee::before {
      content: ''; position: absolute; top: -100px; right: -100px;
      width: 500px; height: 500px; border-radius: 50%;
      background: rgba(255,255,255,.03); pointer-events: none;
    }
    .ic-intro {
      max-width: 760px; margin: 0 auto 52px; text-align: center;
      background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12);
      border-radius: var(--rl); padding: 32px 40px;
    }
    .ic-intro p { font-size: 14px; color: rgba(255,255,255,.65); line-height: 1.8; margin-top: 10px; }
    .ic-intro p + p { margin-top: 10px; }
    .ic-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
    .ic-card {
      background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.13);
      border-radius: var(--rl); padding: 28px 24px; transition: all var(--t);
    }
    .ic-card:hover { background: rgba(255,255,255,.12); transform: translateY(-3px); }
    .ic-entity { font-size: 10.5px; font-weight: 700; letter-spacing: .6px; text-transform: uppercase; color: var(--gold); margin-bottom: 8px; }
    .ic-name { font-size: 15px; font-weight: 700; color: var(--white); margin-bottom: 4px; }
    .ic-pos { font-size: 12.5px; color: rgba(255,255,255,.55); margin-bottom: 14px; }
    .ic-divider { height: 1px; background: rgba(255,255,255,.1); margin-bottom: 14px; }
    .ic-bullets { display: flex; flex-direction: column; gap: 7px; }
    .ic-bullet { font-size: 12.5px; color: rgba(255,255,255,.6); line-height: 1.5; display: flex; align-items: flex-start; gap: 8px; }
    .ic-bullet::before { content: ''; width: 5px; height: 5px; border-radius: 50%; background: var(--gold); flex-shrink: 0; margin-top: 6px; }

    /* ══════════════════════════════════════════════════════════════
       SECTION 6: INTERNAL AUDITOR (white, minimal)
    ══════════════════════════════════════════════════════════════ */
    #internal-auditor { background: var(--white); padding: 80px 0; border-top: 1px solid var(--gray-100); }
    .ia-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; margin-top: 52px; }
    .ia-logo-box {
      background: var(--gray-50); border: 1.5px solid var(--gray-200);
      border-radius: var(--rl); padding: 44px 40px; text-align: center;
    }
    .ia-logo-box img { max-width: 160px; height: auto; margin: 0 auto 20px; }
    .ia-company { font-size: 20px; font-weight: 700; color: var(--g900); margin-bottom: 8px; }
    .ia-since { font-size: 13px; color: var(--gray-500); }
    .ia-right {}
    .ia-person {
      display: flex; align-items: flex-start; gap: 18px;
      background: var(--g50); border: 1.5px solid var(--g100);
      border-radius: var(--rl); padding: 24px 24px; margin-top: 24px;
    }
    .ia-avatar {
      width: 52px; height: 52px; border-radius: 50%; flex-shrink: 0;
      background: var(--g700); color: var(--white);
      display: flex; align-items: center; justify-content: center;
      font-size: 16px; font-weight: 700;
    }
    .ia-pname { font-size: 15px; font-weight: 700; color: var(--g900); }
    .ia-ptitle { font-size: 12.5px; color: var(--gray-500); margin-bottom: 8px; }
    .ia-certs { display: flex; flex-wrap: wrap; gap: 6px; }
    .ia-cert { font-size: 11px; padding: 2px 10px; border-radius: 100px; background: var(--white); border: 1px solid var(--g200); color: var(--g700); font-weight: 600; }

    /* ── FOOTER ──────────────────────────────────────────────────── */
    .footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1.2fr; gap: 40px; padding: 60px 0 40px; }
    .footer-tagline { font-size: 14px; line-height: 1.7; margin-bottom: 20px; max-width: 260px; }
    .footer-col h4 { font-size: 13px; font-weight: 700; color: rgba(255,255,255,.9); margin-bottom: 16px; text-transform: uppercase; letter-spacing: .5px; }
    .footer-col ul { display: flex; flex-direction: column; gap: 9px; }
    .footer-col a { font-size: 13.5px; color: rgba(255,255,255,.55); transition: color var(--t); }
    .footer-col a:hover { color: var(--white); }
    .footer-address { font-size: 13px; line-height: 1.7; color: rgba(255,255,255,.55); }
    .footer-address strong { color: rgba(255,255,255,.85); display: block; margin-bottom: 6px; font-size: 14px; }
    .footer-contact-link { display: flex; align-items: center; gap: 8px; margin-top: 8px; font-size: 13px; color: rgba(255,255,255,.6); transition: color var(--t); }
    .footer-contact-link:hover { color: var(--gold); }
    .footer-contact-link svg { width: 14px; height: 14px; flex-shrink: 0; }
    .footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding: 20px 0; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; font-size: 12.5px; }
    .footer-bottom-links { display: flex; gap: 20px; }
    .footer-bottom a { color: rgba(255,255,255,.45); transition: color var(--t); }
    .footer-bottom a:hover { color: rgba(255,255,255,.8); }
    .legal { background: rgba(0,0,0,.25); padding: 16px 0; font-size: 11.5px; color: rgba(255,255,255,.35); text-align: center; line-height: 1.6; }

    /* ── RESPONSIVE ──────────────────────────────────────────────── */
    @media (max-width: 1024px) {
      .overview-intro { grid-template-columns: 1fr; gap: 40px; }
      .overview-visual { display: none; }
      .funds-grid { grid-template-columns: repeat(3,1fr); }
      .commitment-grid { grid-template-columns: repeat(3,1fr); }
      .approach-grid { grid-template-columns: 1fr; }
      .mgmt-grid { grid-template-columns: repeat(2,1fr); }
      .board-grid { grid-template-columns: 1fr; }
      .ic-grid { grid-template-columns: repeat(2,1fr); }
      .ia-grid { grid-template-columns: 1fr; gap: 32px; }
      .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
    }
    @media (max-width: 768px) {
      .nav-links, .nav-right .btn-sm { display: none; }
      .hamburger { display: flex; }
      .hero-photo { width: 100%; opacity: .3; }
      .hero-content { max-width: 100%; padding: 64px 0 80px; }
      .entities-grid { grid-template-columns: 1fr; }
      .entity-cell { border-right: none; border-bottom: 1px solid rgba(255,255,255,.12); }
      .entity-cell:last-child { border-bottom: none; }
      .stats-grid { grid-template-columns: repeat(2,1fr); }
      .journey-grid { grid-template-columns: 1fr; }
      .journey-quote { position: static; }
      .funds-grid { grid-template-columns: repeat(2,1fr); }
      .commitment-grid { grid-template-columns: repeat(2,1fr); }
      .mgmt-grid { grid-template-columns: 1fr; }
      .ic-grid { grid-template-columns: 1fr; }
      .approach-left, .approach-right { padding: 28px 24px; }
      .section-tab { padding: 12px 12px; font-size: 12px; }
      .footer-top { grid-template-columns: 1fr; gap: 24px; }
    }
    @media (max-width: 480px) {
      .funds-grid { grid-template-columns: 1fr; }
      .commitment-grid { grid-template-columns: 1fr; }
      .stats-grid { grid-template-columns: 1fr 1fr; }
      .board-grid { grid-template-columns: 1fr; }
    }
    .footer-logo img { height: 38px; width: auto; filter: brightness(0) invert(1); margin-bottom: 16px; }
  
    /* ═══════════════════════════════════════════════════════════
       CANONICAL NAV OVERRIDE — identical on every page
    ═══════════════════════════════════════════════════════════ */
    .navbar { position:sticky!important; top:0!important; z-index:1000!important;
      background:rgba(255,255,255,.97)!important;
      backdrop-filter:blur(12px)!important; -webkit-backdrop-filter:blur(12px)!important;
      border-bottom:1px solid var(--gray-100)!important; transition:box-shadow .3s ease!important; }
    .navbar.scrolled { box-shadow:0 2px 24px rgba(0,0,0,.09)!important; }
    .container.nav-inner, .nav-inner {
      display:flex!important; align-items:center!important;
      justify-content:space-between!important; height:72px!important; }
    .nav-logo { flex-shrink:0!important; min-width:0!important; }
    .nav-logo img { height:42px!important; width:auto!important; flex-shrink:0!important; display:block!important; }
    .nav-right { display:flex!important; align-items:center!important;
      gap:16px!important; flex-shrink:0!important; }
    .nav-right .btn-sm {
      display:inline-flex!important; align-items:center!important;
      padding:10px 22px!important; font-size:13.5px!important;
      font-weight:600!important; white-space:nowrap!important;
      background:var(--g700)!important; color:#fff!important;
      border:2px solid var(--g700)!important; border-radius:8px!important;
      font-family:inherit!important; cursor:pointer!important;
      transition:all .3s ease!important; letter-spacing:.2px!important; }
    .nav-right .btn-sm:hover { background:var(--g800)!important;
      border-color:var(--g800)!important; transform:translateY(-1px)!important; }
    .nav-link { display:flex!important; align-items:center!important; gap:4px!important;
      padding:9px 14px!important; font-size:13.5px!important; font-weight:500!important;
      color:#4B5563!important; border-radius:7px!important;
      white-space:nowrap!important; transition:all .3s ease!important; }
    .nav-link:hover, .nav-link.active { color:var(--g700)!important; background:var(--g50)!important; }
    .nav-link.active { font-weight:600!important; }
    .hamburger { display:none!important; flex-direction:column!important; gap:5px!important;
      padding:6px!important; border:none!important; background:none!important;
      border-radius:6px!important; cursor:pointer!important; }
    .hamburger span { display:block!important; width:22px!important; height:2px!important;
      background:var(--gray-700)!important; border-radius:2px!important; }
    @media(max-width:768px){
      .nav-links { display:none!important; }
      .nav-right .btn-sm { display:none!important; }
      .hamburger { display:flex!important; }
    }
    /* ═══════════════════════════════════════════════════════════ */
  
.ip0{opacity:.3 !important}
.ip1{padding: 72px 0 0 !important; background: var(--white) !important}
.ip2{margin-top:12px !important}
.ip3{font-size: clamp(20px,2.5vw,26px) !important; margin-top:10px !important}
.ip4{margin-top:24px !important}