/* ── SCROLL PROGRESS BAR ────────────────────────────────────── */
    #scroll-bar {
      position: fixed; top: 0; left: 0; z-index: 9999;
      height: 3px; width: 0%;
      background: linear-gradient(90deg, var(--g700, #1565D8), var(--red, #D94040), var(--gold, #E5A020));
      transition: width .1s linear;
      pointer-events: none;
    }

    /* ── DESIGN TOKENS ─────────────────────────────────────────── */
    :root {
      --g900: #0A2558;
      --g800: #0D3380;
      --g700: #0D47A1;
      --g600: #1976D2;
      --g200: #BBDEFB;
      --g100: #E3F0FF;
      --g50:  #F5F9FF;
      --gold:       #E5A020;
      --gold-light: #F0BA45;
      --gold-pale:  #FEF9ED;
      --gold-dark:  #B87A10;
      --red:        #D94040;
      --red-light:  #F26060;
      --white: #FFFFFF;
      --ink:   #111827;
      --gray-900: #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);
      --sh-xl: 0 24px 80px rgba(0,0,0,.18);
      --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(--gray-900);
      background: var(--white);
      line-height: 1.6;
      overflow-x: hidden;
      -webkit-font-smoothing: antialiased;
      -moz-osx-font-smoothing: grayscale;
      text-rendering: optimizeLegibility;
    }
    ::selection { background: rgba(21,101,216,.2); 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; }

    .container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 28px; }

    /* ── TYPOGRAPHY HELPERS ─────────────────────────────────────── */
    .label {
      display: inline-block;
      font-size: 12px; font-weight: 700;
      letter-spacing: .3px; text-transform: none;
      color: var(--gray-700);
      border-left: 3px solid var(--g700);
      padding-left: 10px; line-height: 1.4;
    }
    .label::before { display: none; }
    .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); }

    .h2 {
      font-family: 'Poppins', sans-serif;
      font-size: clamp(24px, 3vw, 28px);
      font-weight: 700; color: var(--gray-900);
      line-height: 1.29; margin-top: 10px;
      letter-spacing: -.3px;
    }
    .h2.white { color: var(--white); }
    .h3 {
      font-size: 20px; font-weight: 600; line-height: 1.4;
      color: var(--gray-900); margin-bottom: 8px;
    }
    .body-lg {
      font-size: 16px; color: var(--gray-500);
      line-height: 1.5; margin-top: 16px;
      max-width: 580px;
    }
    .body-lg.white { color: rgba(255,255,255,.6); }
    .body-lg.center { margin-left: auto; margin-right: auto; text-align: center; }

    /* ── 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; letter-spacing: .2px;
    }
    .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-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);
      box-shadow: 0 6px 18px rgba(13,48,128,.25);
    }
    .btn-gold {
      background: var(--g700); color: var(--white);
      border-color: var(--g700); border-radius: 6px;
      font-weight: 700;
    }
    .btn-gold: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; }

    /* ── SCROLL ANIMATIONS ─────────────────────────────────────── */
    .js .rise {
      opacity: 0; transform: translateY(28px);
      transition: opacity .65s cubic-bezier(.22,.61,.36,1),
                  transform .65s cubic-bezier(.22,.61,.36,1);
    }
    .js .rise.in { opacity: 1; transform: none; }
    .d1 { transition-delay: .1s; }
    .d2 { transition-delay: .2s; }
    .d3 { transition-delay: .3s; }
    .d4 { transition-delay: .4s; }

    /* ── ANNOUNCEMENT BAR ───────────────────────────────────────── */
    .ann {
      background: var(--g50); color: var(--gray-600, #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-sep { opacity: .3; }

    /* ── NAVBAR ─────────────────────────────────────────────────── */
    .navbar {
      position: sticky; top: 0; z-index: 1000;
      background: rgba(255,255,255,.97);
      backdrop-filter: blur(12px);
      -webkit-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(--red), 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: var(--gray-600, #4B5563); border-radius: 7px;
      transition: all var(--t); white-space: nowrap;
    }
    .nav-link:hover, .nav-link.active {
      color: var(--g700); background: var(--g50);
    }
    .nav-link.active { font-weight: 600; }
    @media (max-width: 1280px) {
      .nav-link { padding: 7px 9px; font-size: 12.5px; }
    }
    @media (max-width: 1100px) {
      .nav-hide-md { display: none; }
    }
    .nav-chev {
      width: 12px; height: 12px; flex-shrink: 0;
      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; align-items: center; gap: 16px; }
    .nav-tel { display: none; }

    .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::before {
      content: ''; width: 0; height: 2px;
      background: var(--gold); border-radius: 2px;
      transition: width var(--t); flex-shrink: 0;
    }
    .mobile-nav a:hover { color: var(--g700); padding-left: 4px; }
    .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:
        radial-gradient(ellipse 55% 90% at 0% 50%, rgba(8,80,200,.45) 0%, transparent 65%),
        radial-gradient(ellipse 45% 55% at 55% 0%, rgba(26,114,232,.30) 0%, transparent 60%),
        linear-gradient(135deg, #0D52C4 0%, #1262D6 40%, #1565D8 70%, #1871E8 100%);
      min-height: 380px; display: flex; align-items: stretch;
    }

    .hero-glow {
      display: none;
    }

    /* Right image panel — wider so it bleeds into left half for smooth blend */
    .hero-photo {
      position: absolute; top: 0; right: 0;
      width: 62%; height: 100%; overflow: hidden;
    }
    .hero-photo img {
      width: 100%; height: 100%;
      object-fit: cover; object-position: center 20%;
    }
    /* Wide soft fade — no hard cut line */
    .hero-photo::after {
      content: '';
      position: absolute; inset: 0;
      background: linear-gradient(
        90deg,
        #1262D6 0%,
        rgba(18,98,214,.92) 15%,
        rgba(18,98,214,.60) 35%,
        rgba(18,98,214,.20) 58%,
        rgba(18,98,214,.04) 78%,
        transparent 100%
      );
    }
    .hero-photo::before { display: none; }

    /* Symbol watermark — fully inside hero, no crop */
    .hero-watermark {
      position: absolute; z-index: 1;
      top: 50%; left: 20px;
      transform: translateY(-50%);
      width: 420px; height: 420px;
      opacity: .09;
      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: 520px; padding: 60px 0 88px; }

    .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,.2);
      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-family: 'Poppins', sans-serif;
      font-size: clamp(32px, 5vw, 48px);
      font-weight: 700; color: var(--white);
      line-height: 1.2; margin-bottom: 20px;
      letter-spacing: -.5px;
    }
    .hero-title em {
      font-style: italic;
      color: #7EB8FF;
      -webkit-text-fill-color: #7EB8FF;
      background: none;
    }
    .hero-sub {
      font-size: 16px; color: rgba(255,255,255,.88);
      line-height: 1.78; margin-bottom: 36px; max-width: 450px;
    }
    .hero-btns { display: flex; flex-wrap: wrap; gap: 12px; }

    .hero-trust {
      display: flex; flex-wrap: wrap; gap: 0;
      margin-top: 44px; padding-top: 24px;
      border-top: 1px solid rgba(255,255,255,.12);
    }
    .trust-item {
      display: flex; align-items: center; gap: 10px;
      padding-right: 22px; margin-right: 22px;
      border-right: 1px solid rgba(255,255,255,.12);
    }
    .trust-item:last-child { padding-right: 0; margin-right: 0; border-right: none; }
    .trust-icon {
      width: 34px; height: 34px; flex-shrink: 0;
      border-radius: 9px;
      background: rgba(255,255,255,.1);
      border: 1px solid rgba(255,255,255,.15);
      display: flex; align-items: center; justify-content: center;
    }
    .trust-icon svg { width: 15px; height: 15px; color: rgba(255,255,255,.8); }
    .trust-item strong {
      display: block; color: var(--white);
      font-size: 12.5px; font-weight: 700; margin-bottom: 1px;
    }
    .trust-item span { font-size: 11px; color: rgba(255,255,255,.5); }

    .hero-foot { display: none; }
    .hero-scroll { display: none; }

    /* Announcement bar pulse dot */
    .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(21,101,216,.35); }
      50%       { opacity: .8; transform: scale(1.15); box-shadow: 0 0 0 5px rgba(21,101,216,0); }
    }

    /* ── FUND FINDER ────────────────────────────────────────────── */
    .ff-wrap {
      background: var(--white);
      position: relative; z-index: 10;
      margin-top: -64px;
      border-radius: 24px 24px 0 0;
      box-shadow: 0 -4px 24px rgba(0,0,0,.07), 0 8px 40px rgba(0,0,0,.06);
    }
    .ff-inner { padding: 32px 0 34px; }
    .ff-lead {
      text-align: center; font-size: 14px;
      color: var(--gray-500); margin-bottom: 20px; line-height: 1.65;
    }
    .ff-bar {
      display: flex; align-items: stretch;
      background: var(--white);
      border: 1.5px solid var(--gray-200);
      border-radius: var(--rl);
      box-shadow: 0 8px 40px rgba(0,0,0,.08);
      overflow: hidden; max-width: 940px; margin: 0 auto;
      transition: box-shadow var(--t);
    }
    .ff-bar:focus-within {
      box-shadow: 0 8px 40px rgba(0,0,0,.1), 0 0 0 3px rgba(21,101,216,.15);
    }
    .ff-cell {
      flex: 1; display: flex; align-items: center;
      padding: 0 18px; gap: 12px;
      border-right: 1.5px solid var(--gray-100);
    }
    .ff-cell input, .ff-cell select {
      flex: 1; border: none; outline: none;
      font-size: 14px; color: var(--gray-700);
      font-family: 'Poppins', sans-serif;
      padding: 17px 0; background: transparent; appearance: none;
    }
    .ff-cell input::placeholder { color: var(--gray-400); }
    .ff-cell select { color: var(--gray-500); cursor: pointer; }
    .ff-cell svg { color: var(--g700); flex-shrink: 0; }
    .ff-or {
      padding: 0 18px; font-size: 10.5px; font-weight: 800;
      letter-spacing: 1.5px; color: var(--gray-300);
      flex-shrink: 0; display: flex; align-items: center;
    }
    .ff-cta {
      display: flex; align-items: center; gap: 9px;
      padding: 0 26px; font-size: 12.5px; font-weight: 800;
      letter-spacing: 1px; color: var(--g700); text-transform: uppercase;
      white-space: nowrap; transition: all var(--t);
      background: none; border: none;
    }
    .ff-cta:hover { background: var(--g50); color: var(--g900); }
    .ff-cta svg { transition: transform var(--t); }
    .ff-cta:hover svg { transform: translateX(4px); }

    /* ── STATS ──────────────────────────────────────────────────── */
    .stats {
      position: relative; overflow: hidden;
      background: var(--g700);
    }
    .stats-bg { display: none; }
    .stats-overlay { display: none; }
    .stats-grid {
      position: relative; z-index: 1;
      display: grid; grid-template-columns: repeat(4,1fr);
    }
    .stat-cell {
      padding: 40px 24px; text-align: center;
      border-right: 1px solid rgba(255,255,255,.15);
      transition: background var(--t);
    }
    .stat-cell:last-child { border-right: none; }
    .stat-cell:hover { background: rgba(255,255,255,.06); }
    .stat-cell::after {
      content: '';
      display: block; width: 28px; height: 2px;
      background: rgba(255,255,255,.3); border-radius: 2px;
      margin: 10px auto 0;
      transition: width var(--t);
    }
    .stat-cell:hover::after { width: 44px; }
    .stat-num {
      font-family: 'Poppins', sans-serif;
      font-size: 42px; font-weight: 700;
      color: var(--white); line-height: 1; margin-bottom: 8px;
      letter-spacing: -1.5px;
    }
    .stat-num sup { font-size: 22px; color: rgba(255,255,255,.7); }
    .stat-lbl {
      font-size: 12.5px; color: rgba(255,255,255,.7);
      font-weight: 500; line-height: 1.5;
    }

    /* ── FEATURED FUNDS ─────────────────────────────────────────── */
    .funds { padding: 72px 0 80px; background: var(--white); }
    .funds-hd {
      display: flex; align-items: flex-end;
      justify-content: space-between;
      margin-bottom: 36px; flex-wrap: wrap; gap: 16px;
    }
    /* Clean 4-column card grid — image top, content below */
    .fund-cards {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 20px;
    }
    .fund-card {
      background: var(--white);
      border: 1px solid var(--gray-200);
      border-radius: var(--rl);
      overflow: hidden;
      display: flex; flex-direction: column;
      box-shadow: var(--sh-sm);
      transition: all .3s cubic-bezier(.22,.61,.36,1);
      cursor: pointer;
    }
    .fund-card:hover {
      transform: translateY(-4px);
      box-shadow: 0 12px 36px rgba(13,71,161,.13);
      border-color: var(--g200);
    }
    /* Image section */
    .fund-card-bg {
      width: 100%; height: 180px;
      background-size: cover; background-position: center;
      transition: transform .5s ease;
      flex-shrink: 0;
    }
    .fund-card:hover .fund-card-bg { transform: scale(1.04); }
    /* Card body */
    .fund-card-body {
      padding: 20px 18px 18px;
      display: flex; flex-direction: column; flex: 1;
    }
    .fc-tag {
      display: inline-flex; align-items: center;
      font-size: 9px; font-weight: 800;
      letter-spacing: .7px; text-transform: uppercase;
      padding: 3px 9px; border-radius: 100px;
      margin-bottom: 10px; align-self: flex-start;
    }
    .fc-tag         { background: rgba(59,130,246,.1);  color: #1D4ED8; border: 1px solid rgba(59,130,246,.2); }
    .fc-tag.islamic { background: rgba(16,185,129,.1);  color: #065F46; border: 1px solid rgba(16,185,129,.2); }
    .fc-tag.offshore{ background: rgba(139,92,246,.1);  color: #5B21B6; border: 1px solid rgba(139,92,246,.2); }
    .fc-tag.balanced{ background: rgba(245,158,11,.1);  color: #92400E; border: 1px solid rgba(245,158,11,.2); }
    .fc-name {
      font-size: 14px; font-weight: 700; color: var(--gray-900);
      line-height: 1.4; margin-bottom: 4px;
    }
    .fc-sub {
      font-size: 11.5px; color: var(--gray-400); margin-bottom: 14px;
    }
    .fc-meta { margin-top: 0; }
    .fc-row {
      display: flex; justify-content: space-between; align-items: center;
      padding: 6px 0; border-top: 1px solid var(--gray-100);
      font-size: 12px;
    }
    .fc-row-lbl { color: var(--gray-500); }
    .fc-row-val { font-weight: 600; color: var(--gray-700); }
    .fc-return {
      font-size: 18px; font-weight: 800;
      color: #059669; letter-spacing: -.5px;
    }
    .fc-learn {
      display: inline-flex; align-items: center; gap: 5px;
      margin-top: 14px; font-size: 12.5px; font-weight: 700;
      color: var(--g700); letter-spacing: .1px;
      transition: gap var(--t);
      border: 1px solid rgba(255,255,255,.3);
      padding: 7px 14px; border-radius: 6px;
      background: rgba(255,255,255,.14);
      margin-top: auto;
    }
    .fc-learn:hover { gap: 9px; color: var(--g800); }
    .fc-learn svg { width: 13px; height: 13px; }
    .funds-note {
      margin-top: 20px; font-size: 12px;
      color: var(--gray-400); line-height: 1.6;
    }

    /* ── TOP PERFORMING FUNDS ───────────────────────────────────── */
    .top-funds {
      padding: 80px 0 88px;
      background: #EEF3FF;
      position: relative; overflow: hidden;
    }
    .top-funds-hd {
      display: flex; align-items: flex-end;
      justify-content: space-between;
      margin-bottom: 8px; flex-wrap: wrap; gap: 12px;
    }
    .top-funds-hd .label { border-color: var(--g700); color: var(--gray-600); }
    .top-funds-hd .h2 { color: var(--gray-900); }
    .top-funds-hd .btn-outline {
      color: var(--g700); border-color: var(--g700);
    }
    .top-funds-hd .btn-outline:hover {
      background: var(--g700); color: var(--white);
    }
    .top-funds-sub {
      font-size: 13.5px; color: var(--gray-500);
      margin-bottom: 36px;
    }
    .top-fund-cards {
      display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
    }
    .tfc {
      background: var(--white);
      border: 1px solid var(--gray-200);
      border-radius: 16px;
      overflow: hidden;
      box-shadow: 0 2px 8px rgba(0,0,0,.06);
      transition: all .3s cubic-bezier(.22,.61,.36,1);
      display: flex; flex-direction: column;
    }
    .tfc:hover {
      transform: translateY(-5px);
      box-shadow: 0 12px 40px rgba(13,71,161,.13);
      border-color: var(--g100);
    }
    /* Coloured top accent bar per card */
    .tfc-accent {
      height: 4px;
    }
    .tfc-accent.equity  { background: linear-gradient(90deg, #3B82F6, #60A5FA); }
    .tfc-accent.islamic { background: linear-gradient(90deg, #10B981, #34D399); }
    .tfc-accent.offshore { background: linear-gradient(90deg, #8B5CF6, #A78BFA); }

    .tfc-inner { padding: 22px 22px 20px; display: flex; flex-direction: column; flex: 1; }

    .tfc-header {
      display: flex; align-items: center;
      justify-content: space-between; margin-bottom: 14px;
    }
    .tfc-cat {
      display: inline-block;
      font-size: 9.5px; font-weight: 800;
      letter-spacing: .8px; text-transform: uppercase;
      padding: 3px 10px; border-radius: 100px;
    }
    .tfc-cat.equity  { background: rgba(59,130,246,.1);  color: #1D4ED8; border: 1px solid rgba(59,130,246,.25); }
    .tfc-cat.islamic { background: rgba(16,185,129,.1);  color: #065F46; border: 1px solid rgba(16,185,129,.25); }
    .tfc-cat.offshore{ background: rgba(139,92,246,.1);  color: #5B21B6; border: 1px solid rgba(139,92,246,.25); }
    .tfc-rank {
      font-size: 11px; font-weight: 600; color: var(--gray-400);
    }
    .tfc-name {
      font-size: 14.5px; font-weight: 700; color: var(--gray-900);
      line-height: 1.35; margin-bottom: 18px;
    }

    /* YTD big number with bg chip */
    .tfc-ytd-wrap {
      background: var(--g50);
      border: 1px solid var(--g100);
      border-radius: 10px; padding: 14px 16px;
      margin-bottom: 16px;
      display: flex; align-items: center; justify-content: space-between;
    }
    .tfc-ytd-left {}
    .tfc-ytd-lbl {
      font-size: 9.5px; font-weight: 700; color: var(--gray-500);
      letter-spacing: .6px; text-transform: uppercase; margin-bottom: 4px;
    }
    .tfc-ytd-val {
      font-size: 36px; font-weight: 800;
      color: #059669; letter-spacing: -1.5px; line-height: 1;
    }
    .tfc-ytd-val.neg { color: var(--red); }
    .tfc-ytd-date { font-size: 10px; color: var(--gray-400); margin-top: 4px; }

    /* Mini sparkline bars */
    .tfc-spark {
      display: flex; align-items: flex-end; gap: 3px; height: 36px;
    }
    .tfc-spark span {
      flex: 1; border-radius: 3px 3px 0 0;
      background: var(--gray-200);
      transition: background .2s;
    }
    .tfc-spark span.hi { background: rgba(5,150,105,.5); }
    .tfc:hover .tfc-spark span { background: var(--gray-300); }
    .tfc:hover .tfc-spark span.hi { background: rgba(5,150,105,.7); }

    /* NAV row */
    .tfc-data {
      display: grid; grid-template-columns: 1fr 1fr;
      gap: 0; border-top: 1px solid var(--gray-100); padding-top: 14px;
      margin-bottom: 14px;
    }
    .tfc-col { padding-right: 14px; }
    .tfc-col:last-child { padding-right: 0; padding-left: 14px; border-left: 1px solid var(--gray-100); }
    .tfc-col-lbl {
      font-size: 9.5px; font-weight: 700; color: var(--gray-500);
      letter-spacing: .5px; text-transform: uppercase; margin-bottom: 2px;
    }
    .tfc-col-date { font-size: 10px; color: var(--gray-400); margin-bottom: 5px; }
    .tfc-col-currency { font-size: 11px; font-weight: 600; color: var(--gray-500); margin-bottom: 2px; }
    .tfc-nav-val {
      font-size: 20px; font-weight: 700;
      color: var(--gray-900); letter-spacing: -.5px; line-height: 1.1;
    }
    .tfc-change {
      display: inline-flex; align-items: center; gap: 2px;
      font-size: 11px; font-weight: 700; margin-top: 4px;
    }
    .tfc-change.pos { color: #059669; }
    .tfc-change.neg { color: var(--red); }
    .tfc-change svg { width: 10px; height: 10px; }

    .tfc-footer {
      margin-top: auto; padding-top: 14px;
      border-top: 1px solid var(--gray-100);
    }
    .tfc-view {
      display: inline-flex; align-items: center; gap: 6px;
      font-size: 12.5px; font-weight: 600; color: var(--g700);
      transition: all var(--t);
      padding: 8px 14px; border-radius: 8px;
      background: transparent;
      border: none;
      width: 100%; justify-content: center;
    }
    .tfc-view:hover {
      background: transparent;
      color: var(--g800);
      gap: 10px;
    }
    .tfc-view svg { width: 13px; height: 13px; }

    @media (max-width: 1024px) {
      .fund-cards { grid-template-columns: repeat(2, 1fr); }
      .top-fund-cards { grid-template-columns: repeat(2, 1fr); }
    }
    @media (max-width: 600px) {
      .fund-cards { grid-template-columns: 1fr; }
      .top-fund-cards { grid-template-columns: 1fr; }
    }

    /* ── PHILOSOPHY ─────────────────────────────────────────────── */
    .philosophy {
      padding: 96px 0;
      background:
        radial-gradient(ellipse 55% 70% at 90% 50%, rgba(26,114,232,.35) 0%, transparent 65%),
        linear-gradient(160deg, #0D52C4 0%, #1262D6 45%, #1565D8 100%);
      position: relative; overflow: hidden;
    }
    .philo-mark {
      position: absolute; pointer-events: none;
      opacity: .07;
    }
    .philo-mark img {
      width: 100%; height: 100%;
      object-fit: contain;
      filter: brightness(0) invert(1);
    }
    .philo-mark-l {
      width: 480px; height: 480px;
      top: 50%; left: -140px;
      transform: translateY(-50%);
    }
    .philo-mark-r {
      width: 380px; height: 380px;
      top: 50%; right: -100px;
      transform: translateY(-50%);
    }
    /* Button override — white ghost on blue background */
    .philosophy .btn-outline {
      background: rgba(255,255,255,.12);
      color: var(--white);
      border-color: rgba(255,255,255,.55);
      font-weight: 600;
    }
    .philosophy .btn-outline:hover {
      background: rgba(255,255,255,.22);
      border-color: var(--white);
      transform: translateY(-1px);
      box-shadow: 0 6px 20px rgba(0,0,0,.2);
    }
    .philo-grid {
      display: grid; grid-template-columns: 1fr 1fr;
      gap: 72px; align-items: center;
    }

    /* Visual column */
    .philo-visual { position: relative; }
    .philo-img-wrap {
      position: relative; border-radius: var(--rl) var(--rl) 0 0; overflow: hidden;
    }
    .philo-img-wrap img {
      width: 100%; height: 280px;
      object-fit: cover; object-position: center 35%;
      display: block;
      transition: transform .6s ease;
    }
    .philo-visual:hover .philo-img-wrap img { transform: scale(1.04); }
    .philo-img-wrap::after {
      content: ''; position: absolute; inset: 0;
      background: linear-gradient(to bottom, transparent 50%, rgba(7,30,82,.4));
    }
    /* Gold left accent */
    .philo-img-wrap::before {
      content: '';
      position: absolute; top: 0; left: 0;
      width: 4px; height: 100%;
      background: linear-gradient(to bottom, var(--gold), var(--gold-light));
      z-index: 2;
    }

    .philo-card {
      background: linear-gradient(135deg, var(--g800) 0%, var(--g900) 100%);
      border-radius: 0 0 var(--rl) var(--rl);
      padding: 40px 40px 44px; color: var(--white);
      position: relative; overflow: hidden;
    }
    .philo-card::before {
      content: '\201C';
      position: absolute; top: -40px; left: 16px;
      font-size: 200px; font-family: 'Poppins', sans-serif;
      color: rgba(255,255,255,.04); line-height: 1; pointer-events: none;
    }
    .philo-card blockquote {
      font-family: 'Poppins', sans-serif;
      font-size: clamp(17px, 2.1vw, 22px);
      font-weight: 600; line-height: 1.45;
      margin-bottom: 16px; position: relative;
      border-left: 3px solid var(--gold);
      padding-left: 18px; margin-left: -3px;
    }
    .philo-card p { font-size: 14px; color: rgba(255,255,255,.6); line-height: 1.78; margin-bottom: 16px; }
    .philo-card cite { font-style: normal; font-size: 12.5px; color: var(--gold); font-weight: 600; }
    .philo-since {
      position: absolute; top: 22px; right: 22px;
      background: rgba(201,168,76,.15);
      border: 1px solid rgba(201,168,76,.3);
      color: var(--gold-light);
      font-size: 10.5px; font-weight: 700;
      letter-spacing: 2px; text-transform: uppercase;
      padding: 5px 14px; border-radius: 100px;
    }

    /* Text column — on dark navy background */
    .philo-points { margin-top: 36px; display: flex; flex-direction: column; gap: 16px; }
    .philo-pt {
      display: flex; gap: 18px; align-items: flex-start;
      padding: 18px 20px; border-radius: var(--r);
      border: 1px solid rgba(255,255,255,.08);
      background: rgba(255,255,255,.04);
      transition: all var(--t);
    }
    .philo-pt:hover {
      background: rgba(255,255,255,.10); border-color: rgba(255,255,255,.16);
      box-shadow: 0 4px 24px rgba(0,0,0,.25);
    }
    .philo-pt-icon {
      width: 44px; height: 44px; flex-shrink: 0;
      background: rgba(255,255,255,.10); border-radius: 12px;
      display: flex; align-items: center; justify-content: center;
      transition: background var(--t);
    }
    .philo-pt:hover .philo-pt-icon { background: var(--gold); }
    .philo-pt-icon svg { width: 20px; height: 20px; color: rgba(255,255,255,.8); transition: color var(--t); }
    .philo-pt:hover .philo-pt-icon svg { color: var(--white); }
    .philo-pt-body strong { display: block; font-size: 14.5px; font-weight: 700; color: var(--white); margin-bottom: 4px; }
    .philo-pt-body span { font-size: 13.5px; color: rgba(255,255,255,.55); line-height: 1.65; }

    /* ── EXPERTISE ──────────────────────────────────────────────── */
    .expertise { padding: 96px 0; background: var(--white); }
    .exp-hd { text-align: center; margin-bottom: 56px; }
    .exp-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }

    .exp-card {
      background: var(--white);
      border-radius: var(--rl); overflow: hidden;
      box-shadow: var(--sh-sm);
      border: 1px solid var(--gray-100);
      transition: all .35s cubic-bezier(.22,.61,.36,1);
      display: flex; flex-direction: column;
    }
    .exp-card:hover {
      transform: translateY(-8px);
      box-shadow: var(--sh-xl);
      border-color: transparent;
    }
    .exp-img { height: 220px; overflow: hidden; position: relative; }
    .exp-img img {
      width: 100%; height: 100%; object-fit: cover;
      transition: transform .55s ease;
    }
    .exp-card:hover .exp-img img { transform: scale(1.08); }
    .exp-img-grad {
      position: absolute; inset: 0;
      background: linear-gradient(to bottom, transparent 40%, rgba(7,30,82,.65));
    }
    /* Number badge on image */
    .exp-num {
      position: absolute; top: 16px; right: 16px;
      font-family: 'Poppins', sans-serif;
      font-size: 42px; font-weight: 700;
      color: rgba(255,255,255,.18); line-height: 1;
      user-select: none;
    }
    .exp-body { padding: 30px 30px 34px; flex: 1; display: flex; flex-direction: column; }
    .exp-icon {
      width: 46px; height: 46px;
      background: var(--g100); border-radius: 12px;
      display: flex; align-items: center; justify-content: center;
      margin-bottom: 16px;
      transition: background var(--t);
    }
    .exp-card:hover .exp-icon { background: var(--g700); }
    .exp-icon svg { width: 22px; height: 22px; color: var(--g700); transition: color var(--t); }
    .exp-card:hover .exp-icon svg { color: var(--white); }
    .exp-title { font-size: 18px; font-weight: 700; color: var(--gray-900); margin-bottom: 10px; }
    .exp-desc { font-size: 13.5px; color: var(--gray-500); line-height: 1.72; margin-bottom: 20px; flex: 1; }
    .exp-link {
      display: inline-flex; align-items: center; gap: 7px;
      font-size: 13px; font-weight: 700; color: var(--g700);
      letter-spacing: .3px; transition: gap var(--t);
    }
    .exp-link:hover { gap: 12px; }
    .exp-link svg { width: 14px; height: 14px; }

    /* Bottom colour bar */
    .exp-card::after {
      content: ''; display: block; height: 3px;
      background: linear-gradient(90deg, var(--g700), var(--gold));
      transform: scaleX(0); transform-origin: left;
      transition: transform .35s ease;
    }
    .exp-card:hover::after { transform: scaleX(1); }

    /* ── PILLARS ────────────────────────────────────────────────── */
    .pillars {
      padding: 96px 0;
      background: var(--g900); position: relative; overflow: hidden;
    }
    /* Radial glow accents */
    .pillars::before {
      content: '';
      position: absolute; inset: 0;
      background:
        radial-gradient(ellipse 70% 60% at 80% 40%, rgba(217,64,64,.07) 0%, transparent 60%),
        radial-gradient(ellipse 50% 70% at 20% 70%, rgba(21,81,184,.4) 0%, transparent 60%);
    }
    /* Fine dot texture */
    .pillars::after {
      content: ''; position: absolute; inset: 0;
      background-image: radial-gradient(rgba(255,255,255,.035) 1px, transparent 1px);
      background-size: 24px 24px;
      pointer-events: none;
    }
    .pillars-hd { text-align: center; margin-bottom: 56px; position: relative; z-index: 1; }
    .pillars-hd .body-lg { margin: 16px auto 0; }
    .pillars-grid {
      display: grid; grid-template-columns: repeat(4,1fr);
      gap: 22px; position: relative; z-index: 1;
    }
    .pillar {
      background: rgba(255,255,255,.04);
      border: 1px solid rgba(255,255,255,.07);
      border-radius: var(--rl); padding: 40px 28px;
      text-align: center; transition: all .35s ease;
      position: relative; overflow: hidden;
    }
    .pillar::before {
      content: '';
      position: absolute; bottom: 0; left: 0; right: 0; height: 2px;
      background: linear-gradient(90deg, var(--gold), var(--gold-light));
      transform: scaleX(0); transform-origin: left;
      transition: transform .35s ease;
    }
    .pillar:hover {
      background: rgba(255,255,255,.08);
      border-color: rgba(255,255,255,.14);
      transform: translateY(-6px);
      box-shadow: 0 20px 60px rgba(0,0,0,.35);
    }
    .pillar:hover::before { transform: scaleX(1); }
    .pillar-icon {
      width: 70px; height: 70px; margin: 0 auto 22px;
      border-radius: 50%;
      background: rgba(201,168,76,.1);
      border: 1.5px solid rgba(201,168,76,.2);
      display: flex; align-items: center; justify-content: center;
      transition: all var(--t);
    }
    .pillar:hover .pillar-icon {
      background: rgba(201,168,76,.18);
      border-color: rgba(201,168,76,.4);
    }
    .pillar-icon svg { width: 30px; height: 30px; color: var(--gold); }
    .pillar-title { font-size: 16px; font-weight: 700; color: var(--white); margin-bottom: 12px; }
    .pillar-desc { font-size: 13.5px; color: rgba(255,255,255,.5); line-height: 1.72; }

    /* ── AWARDS ─────────────────────────────────────────────────── */
    .awards { padding: 96px 0; background: var(--gray-50); }
    .awards-hd { text-align: center; margin-bottom: 56px; }
    .awards-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: start; }

    .award-hero {
      border-radius: var(--rl); overflow: hidden;
      position: relative;
      box-shadow: var(--sh-xl);
    }
    .award-hero-img {
      width: 100%; height: 220px; object-fit: cover;
      object-position: center; display: block; filter: brightness(.55) saturate(.7);
    }
    .award-hero-body {
      background: linear-gradient(135deg, var(--g900) 0%, var(--g800) 100%);
      padding: 40px 40px 44px; color: var(--white); position: relative;
    }
    .award-hero-body::after {
      content: '★';
      position: absolute; right: -6px; bottom: -28px;
      font-size: 200px; color: rgba(255,255,255,.03); line-height: 1; pointer-events: none;
    }
    .award-badge {
      display: inline-flex; align-items: center; gap: 7px;
      background: linear-gradient(135deg, var(--gold), var(--gold-light));
      color: var(--g900); font-size: 10.5px; font-weight: 800;
      letter-spacing: 1.8px; text-transform: uppercase;
      padding: 6px 16px; border-radius: 100px; margin-bottom: 22px;
    }
    .award-badge svg { width: 12px; height: 12px; }
    .award-hero-body h3 {
      font-family: 'Poppins', sans-serif;
      font-size: clamp(19px, 2.5vw, 26px);
      font-weight: 700; line-height: 1.3; margin-bottom: 14px;
    }
    .award-hero-body p { font-size: 14.5px; color: rgba(255,255,255,.65); line-height: 1.75; }
    .award-meta {
      margin-top: 28px; padding-top: 22px;
      border-top: 1px solid rgba(255,255,255,.1);
      font-size: 12.5px; color: rgba(255,255,255,.4);
    }
    .award-meta strong { color: rgba(255,255,255,.8); }

    .award-list { display: flex; flex-direction: column; gap: 14px; }
    .award-item {
      background: var(--white); border: 1px solid var(--gray-200);
      border-radius: var(--r); padding: 24px 26px;
      display: flex; align-items: flex-start; gap: 18px;
      transition: all var(--t);
      box-shadow: var(--sh-sm);
    }
    .award-item:hover {
      border-color: var(--g200);
      box-shadow: var(--sh-md);
      transform: translateX(4px);
    }
    .award-item-icon {
      width: 44px; height: 44px; flex-shrink: 0;
      background: var(--g100); border-radius: 12px;
      display: flex; align-items: center; justify-content: center;
    }
    .award-item-icon svg { width: 20px; height: 20px; color: var(--g700); }
    .award-item strong { display: block; font-size: 14px; font-weight: 700; color: var(--gray-900); margin-bottom: 4px; }
    .award-item span { font-size: 13px; color: var(--gray-500); line-height: 1.58; }

    /* ── NEWS ───────────────────────────────────────────────────── */
    .news { padding: 96px 0; background: var(--white); }
    .news-hd {
      display: flex; align-items: flex-end;
      justify-content: space-between; margin-bottom: 48px;
      flex-wrap: wrap; gap: 16px;
    }
    .news-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }

    .news-card {
      background: var(--white); border-radius: var(--rl); overflow: hidden;
      box-shadow: var(--sh-sm); border: 1px solid var(--gray-100);
      transition: all .35s cubic-bezier(.22,.61,.36,1);
      display: flex; flex-direction: column;
    }
    .news-card:hover {
      transform: translateY(-8px);
      box-shadow: var(--sh-xl);
      border-color: transparent;
    }
    .news-img { height: 210px; overflow: hidden; position: relative; }
    .news-img img {
      width: 100%; height: 100%; object-fit: cover;
      transition: transform .55s ease;
    }
    .news-card:hover .news-img img { transform: scale(1.08); }
    .news-img-grad {
      position: absolute; inset: 0;
      background: linear-gradient(to bottom, transparent 25%, rgba(7,30,82,.7));
    }
    .news-tag {
      position: absolute; bottom: 14px; left: 16px;
      font-size: 10.5px; font-weight: 800;
      letter-spacing: 1.8px; text-transform: uppercase;
      color: var(--white); padding: 4px 12px; border-radius: 100px;
      background: rgba(201,168,76,.7); backdrop-filter: blur(4px);
    }
    .news-body { padding: 24px 26px 28px; flex: 1; display: flex; flex-direction: column; }
    .news-meta { display: flex; align-items: center; gap: 10px; margin-bottom: 12px; }
    .news-cat {
      font-size: 10.5px; font-weight: 700;
      letter-spacing: 1.2px; text-transform: uppercase;
      color: var(--g700); background: var(--g100);
      padding: 3px 10px; border-radius: 100px;
    }
    .news-date { font-size: 12px; color: var(--gray-400); }
    .news-title {
      font-size: 15.5px; font-weight: 700; color: var(--gray-900);
      line-height: 1.42; margin-bottom: 10px; flex: 1;
      transition: color var(--t);
    }
    .news-card:hover .news-title { color: var(--g700); }
    .news-excerpt { font-size: 13.5px; color: var(--gray-500); line-height: 1.68; }
    .news-more {
      display: inline-flex; align-items: center; gap: 6px;
      margin-top: 18px; font-size: 13px; font-weight: 700;
      color: var(--g700); letter-spacing: .3px;
      transition: gap var(--t);
    }
    .news-more:hover { gap: 11px; }
    .news-more svg { width: 13px; height: 13px; }

    /* ── COMPLIANCE ─────────────────────────────────────────────── */
    .compliance {
      background: linear-gradient(90deg, var(--g50) 0%, var(--white) 50%, var(--g50) 100%);
      border-top: 1px solid var(--g100);
      border-bottom: 1px solid var(--g100);

      padding: 30px 0;
    }
    .comp-inner {
      display: flex; align-items: center; justify-content: center;
      gap: 18px; flex-wrap: wrap; text-align: center;
    }
    .comp-icon {
      width: 48px; height: 48px; flex-shrink: 0;
      background: linear-gradient(135deg, var(--g700), var(--g900));
      border-radius: 50%; box-shadow: 0 4px 14px rgba(13,48,128,.3);
      display: flex; align-items: center; justify-content: center;
    }
    .comp-icon svg { width: 22px; height: 22px; color: var(--white); }
    .comp-text { font-size: 14px; color: var(--g900); max-width: 600px; line-height: 1.65; }

    /* ── CTA BANNER ─────────────────────────────────────────────── */
    .cta-banner {
      padding: 0; position: relative; overflow: hidden;
    }
    .cta-bg {
      position: absolute; inset: 0;
      background-image: url('person-holding-jar-with-coins-with-copy-space.jpg');
      background-size: cover; background-position: center;
    }
    .cta-bg::after {
      content: '';
      position: absolute; inset: 0;
      background: linear-gradient(
        135deg,
        rgba(7,30,82,.96) 0%,
        rgba(13,48,128,.93) 50%,
        rgba(7,30,82,.97) 100%
      );
    }
    .cta-inner {
      position: relative; z-index: 1;
      padding: 100px 28px; text-align: center;
      max-width: 1200px; margin: 0 auto;
    }
    .cta-banner .h2 { color: var(--white); margin: 14px 0; }
    .cta-btns { display: flex; justify-content: center; flex-wrap: wrap; gap: 14px; margin-top: 38px; }

    /* Decorative ring */
    .cta-ring {
      position: absolute; border-radius: 50%;
      border: 1px solid rgba(255,255,255,.05);
    }
    .cta-ring-1 { width: 600px; height: 600px; top: -200px; left: -150px; }
    .cta-ring-2 { width: 500px; height: 500px; bottom: -180px; right: -100px; }
    .cta-ring-3 { width: 300px; height: 300px; top: 50%; right: 10%; transform: translateY(-50%); }

    /* ── FOOTER ─────────────────────────────────────────────────── */
    .soc-btn {
      width: 38px; height: 38px;
      background: rgba(255,255,255,.06); border-radius: 10px;
      display: flex; align-items: center; justify-content: center;
      transition: all var(--t); border: 1px solid rgba(255,255,255,.06);
    }
    .soc-btn:hover { background: var(--g700); border-color: var(--g700); transform: translateY(-2px); }
    .soc-btn svg { width: 16px; height: 16px; }

    .fcol h4 {
      font-size: 11px; font-weight: 700;
      letter-spacing: 2.5px; text-transform: uppercase;
      color: var(--white); margin-bottom: 20px;
      padding-bottom: 12px;
      border-bottom: 1px solid rgba(255,255,255,.07);
    }
    .fcol ul li { margin-bottom: 11px; }
    .fcol ul li a {
      font-size: 13.5px; color: rgba(255,255,255,.48);
      transition: all var(--t); display: flex; align-items: center; gap: 7px;
    }
    .fcol ul li a::before {
      content: ''; width: 0; height: 1px;
      background: var(--gold); transition: width var(--t);
    }
    .fcol ul li a:hover { color: var(--white); padding-left: 2px; }
    .fcol ul li a:hover::before { width: 10px; }

    .fctact { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 17px; }
    .fctact svg { width: 15px; height: 15px; flex-shrink: 0; margin-top: 2px; color: var(--gold); opacity: .7; }
    .fctact-txt { font-size: 13.5px; color: rgba(255,255,255,.48); line-height: 1.65; }
    .fctact-txt a { color: rgba(255,255,255,.48); transition: color var(--t); }
    .fctact-txt a:hover { color: var(--white); }
    .fbot-links { display: flex; gap: 22px; }

    /* ── WAVE DIVIDERS ──────────────────────────────────────────── */
    .wave-down, .wave-up {
      display: block; width: 100%; overflow: hidden;
      line-height: 0; pointer-events: none;
    }
    .wave-down svg, .wave-up svg { display: block; width: 100%; }

    /* ── IMAGE SHIMMER LOADING ──────────────────────────────────── */
    img {
      background: linear-gradient(90deg, var(--gray-100) 25%, var(--gray-200) 50%, var(--gray-100) 75%);
      background-size: 200% 100%;
      animation: shimmer 1.4s infinite;
    }
    img.loaded { animation: none; background: none; }
    @keyframes shimmer {
      0%   { background-position: 200% 0; }
      100% { background-position: -200% 0; }
    }

    /* ── SECTION DIVIDER LINE ────────────────────────────────────── */
    .gold-divider {
      height: 1px;
      background: linear-gradient(90deg, transparent, var(--gold) 30%, var(--gold-light) 70%, transparent);
      opacity: .35;
    }

    /* ── FUNDS SECTION SUBTLE PATTERN ───────────────────────────── */
    .funds {
      background-image: radial-gradient(var(--gray-100) 1px, transparent 1px);
      background-size: 28px 28px;
      background-position: 0 0;
    }
    .funds .container { position: relative; z-index: 1; }
    .funds::before {
      content: '';
      position: absolute; inset: 0;
      background: linear-gradient(to bottom, var(--white) 0%, rgba(255,255,255,.85) 50%, var(--white) 100%);
      pointer-events: none;
    }
    .funds { position: relative; }

    /* ── COMPLIANCE STRIP ENHANCED ───────────────────────────────── */
    .comp-text strong { color: var(--g800); }

    /* ── FOOTER TOP ACCENT ───────────────────────────────────────── */

    /* ── BACK TO TOP ─────────────────────────────────────────────── */
    .btt {
      position: fixed; bottom: 28px; right: 28px;
      width: 46px; height: 46px;
      background: linear-gradient(135deg, var(--g700), var(--g900));
      color: var(--white); border-radius: 50%; border: none;
      display: flex; align-items: center; justify-content: center;
      box-shadow: 0 6px 20px rgba(0,0,0,.25);
      opacity: 0; pointer-events: none;
      transition: all var(--t); z-index: 999;
    }
    .btt.show { opacity: 1; pointer-events: all; }
    .btt:hover { transform: translateY(-3px); box-shadow: 0 10px 28px rgba(0,0,0,.3); }
    .btt svg { width: 18px; height: 18px; }

    /* ── RESPONSIVE ─────────────────────────────────────────────── */
    @media (max-width: 1024px) {
      .hero-photo { width: 48%; }
      .fund-cards { grid-template-columns: repeat(2, 1fr); }
      .top-fund-cards { grid-template-columns: repeat(2, 1fr); }
      .pillars-grid { grid-template-columns: repeat(2,1fr); }
      .exp-grid { grid-template-columns: repeat(2, 1fr); }
    }

    @media (max-width: 900px) {
      .nav-links, .nav-right .btn, .nav-tel { display: none; }
      .hamburger { display: flex; }

      /* ── ANNOUNCEMENT BAR — single line on mobile ── */
      .ann {
        flex-wrap: nowrap; gap: 6px;
        font-size: 11.5px; padding: 8px 14px;
        white-space: nowrap; overflow: hidden;
        text-overflow: ellipsis; justify-content: flex-start;
      }
      .ann > span:first-child { display: none; } /* hide pulse dot */
      .ann-sep { display: none; }
      .ann > span:nth-child(2) {
        overflow: hidden; text-overflow: ellipsis;
        white-space: nowrap; flex-shrink: 1; min-width: 0;
      }
      .ann a { white-space: nowrap; flex-shrink: 0; }

      /* ── HERO mobile ── */
      .hero { min-height: auto; }
      .hero-watermark { display: none; }
      .hero-photo {
        position: absolute; top: 0; right: 0;
        width: 100%; height: 100%; opacity: 1;
      }
      .hero-photo::after {
        background: linear-gradient(
          110deg,
          #1262D6 0%,
          rgba(18,98,214,.92) 38%,
          rgba(18,98,214,.50) 65%,
          rgba(18,98,214,.10) 100%
        );
      }
      .hero-content {
        padding: 48px 0 60px;
        max-width: 100%; position: relative; z-index: 3;
      }
      .hero-trust { display: none; }
      .hero-title { font-size: clamp(26px, 7.5vw, 36px); margin-bottom: 14px; }
      .hero-sub { font-size: 14px; line-height: 1.65; margin-bottom: 28px; }

      /* Pill buttons — stacked, readable */
      .hero-btns { flex-direction: column; gap: 10px; max-width: 320px; }
      .hero-btns .btn {
        width: 100%; justify-content: center;
        border-radius: 50px; padding: 13px 24px;
        font-size: 14.5px; font-weight: 600;
      }
      .hero-btns .btn-primary {
        background: var(--white); color: var(--g700);
        border-color: var(--white);
      }
      .hero-btns .btn-ghost {
        background: transparent;
        border-color: rgba(255,255,255,.65);
        color: var(--white);
      }

      /* ── FUND FINDER mobile — floating card below hero ── */
      .ff-wrap {
        margin: 0 16px;
        border-radius: 24px;
        box-shadow: 0 4px 28px rgba(0,0,0,.11);
        border-top: none;
        position: relative;
        z-index: 20;
        transform: translateY(-32px);
        margin-bottom: -32px;
      }
      .ff-inner {
        padding: 44px 28px 44px;
        display: flex; flex-direction: column; align-items: center;
      }
      .ff-lead {
        font-size: 13px; margin-bottom: 22px;
        text-align: center; width: 100%;
      }
      .ff-bar { width: 100%; }
      .ff-cta { width: 100%; }
      .ff-bar {
        flex-direction: column; border: none;
        box-shadow: none; overflow: visible; gap: 10px;
        max-width: 100%;
      }
      .ff-cell {
        border: 1.5px solid var(--gray-200);
        border-radius: 10px;
        border-right: 1.5px solid var(--gray-200);
        width: 100%;
      }
      .ff-cell input, .ff-cell select { padding: 13px 0; font-size: 13.5px; }
      .ff-or { display: none; }
      .ff-cta {
        width: 100%; justify-content: center;
        border: 2px solid var(--g700);
        border-radius: 10px; padding: 13px 20px;
        background: transparent; color: var(--g700);
        font-size: 12px; letter-spacing: .8px;
      }
      .ff-cta:hover { background: var(--g50); }

      /* ── OUR FUNDS mobile — horizontal list cards ── */
      .funds { padding: 48px 0 56px; }
      .fund-cards { grid-template-columns: 1fr; gap: 12px; }
      .fund-card {
        flex-direction: row; min-height: auto;
        border-radius: 14px;
      }
      .fund-card-bg {
        width: 120px; height: auto; min-height: 130px;
        flex-shrink: 0; border-radius: 0;
      }
      .fund-card-body { padding: 14px 14px 14px; }
      .fc-name { font-size: 13px; }
      .fc-sub { font-size: 11px; margin-bottom: 8px; }
      .fc-row { padding: 5px 0; font-size: 11px; }
      .fc-return { font-size: 15px; }
      .fc-learn { font-size: 12px; margin-top: 10px; }

      /* ── TOP FUNDS mobile — horizontal swipe carousel ── */
      .top-funds { padding: 48px 0 56px; }
      .top-funds-hd { flex-direction: column; align-items: flex-start; }
      .top-fund-cards {
        display: flex;
        flex-direction: row;
        gap: 14px;
        overflow-x: auto;
        scroll-snap-type: x mandatory;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
        /* top/bottom padding so rounded corners + shadow aren't clipped */
        padding: 6px 16px 16px;
        margin: 0 -16px;
      }
      .top-fund-cards::-webkit-scrollbar { display: none; }
      .tfc {
        flex: 0 0 84%;
        min-width: 0;
        scroll-snap-align: start;
        border-radius: 16px;
      }

      /* ── NEWS / SPOTLIGHT mobile — compact horizontal cards ── */
      .news-grid { grid-template-columns: 1fr; gap: 12px; }
      .news-card {
        flex-direction: row;
        min-height: auto;
      }
      .news-img {
        width: 120px; height: auto; min-height: 120px;
        flex-shrink: 0;
        border-radius: 0;
      }
      .news-img img { height: 100%; }
      .news-body { padding: 14px 14px 14px; }
      .news-excerpt { display: none; }
      .news-title { font-size: 13.5px; margin-bottom: 6px; }
      .news-meta { margin-bottom: 6px; }
      .news-more { margin-top: auto; font-size: 12px; }

      /* General sections */
      .philo-grid { grid-template-columns: 1fr; gap: 40px; }
      .exp-grid { grid-template-columns: 1fr; }
      .awards-layout { grid-template-columns: 1fr; }
      /* pillars — vertical list like reference */
      .pillars-grid {
        grid-template-columns: 1fr;
        gap: 0;
      }
      .pillar {
        flex-direction: row; align-items: center;
        text-align: left; padding: 18px 16px;
        border-radius: 0;
        border-bottom: 1px solid rgba(255,255,255,.08);
        gap: 16px;
      }
      .pillar-icon { width: 52px; height: 52px; margin: 0; flex-shrink: 0; }
      .pillar-title { font-size: 14.5px; margin-bottom: 4px; }
      .pillar-desc { font-size: 12.5px; }
      .pillar::after {
        content: '›';
        margin-left: auto; font-size: 22px;
        color: rgba(255,255,255,.4); flex-shrink: 0;
      }

      /* Footer */
      .fbot-links { justify-content: center; }

      /* Headings */
      .news-hd { flex-direction: column; align-items: flex-start; }
      .funds-hd { flex-direction: column; align-items: flex-start; }
    }

    /* Carousel dots — mobile only */
    .tfc-dots {
      display: none;
      justify-content: center; gap: 7px;
      margin-top: 4px;
    }
    .tfc-dot {
      width: 7px; height: 7px; border-radius: 50%;
      background: var(--gray-300);
      transition: all .25s ease;
    }
    .tfc-dot.active {
      background: var(--g700);
      width: 20px; border-radius: 4px;
    }
    @media (max-width: 768px) {
      .tfc-dots { display: flex; }
    }

    @media (max-width: 480px) {
      .container { padding: 0 16px; }
      .pillars-grid { grid-template-columns: 1fr; }
      .hero-title { font-size: clamp(28px, 8vw, 36px); }
      .hero-sub { font-size: 14px; }
      .fund-card-bg { width: 110px; }
      .cta-btns { flex-direction: column; align-items: center; }
      .cta-btns .btn { width: 100%; max-width: 320px; justify-content: center; }
      .philosophy { padding: 56px 0; }
      .top-funds { padding: 40px 0 48px; }
      .funds { padding: 40px 0 48px; }
    }
  
    /* ── FOOTER ── */
    .footer { background: var(--g900); color: rgba(255,255,255,.75); padding: 64px 0 0; }
    .footer-top { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.1); }
    .footer-logo img { height: 38px; width: auto; filter: brightness(0) invert(1); margin-bottom: 16px; }
    .footer-tagline { font-size: 13px; line-height: 1.7; color: rgba(255,255,255,.5); max-width: 240px; }
    .footer-col h4 { font-size: 11px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
    .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
    .footer-col ul a { font-size: 13.5px; color: rgba(255,255,255,.65); transition: color var(--t); }
    .footer-col ul a:hover { color: #fff; }
    .footer-address { font-size: 13px; line-height: 1.8; color: rgba(255,255,255,.55); margin-bottom: 20px; }
    .footer-contact-link { display: flex; align-items: center; gap: 8px; font-size: 13.5px; color: rgba(255,255,255,.75); margin-bottom: 10px; transition: color var(--t); }
    .footer-contact-link svg { width: 15px; height: 15px; flex-shrink: 0; }
    .footer-contact-link:hover { color: #fff; }
    .footer-bottom { display: flex; align-items: center; justify-content: space-between; padding: 20px 0; font-size: 12px; color: rgba(255,255,255,.3); flex-wrap: wrap; gap: 10px; }
    .footer-bottom-links { display: flex; gap: 20px; }
    .footer-bottom-links a { color: rgba(255,255,255,.3); transition: color var(--t); }
    .footer-bottom-links a:hover { color: rgba(255,255,255,.7); }
    @media(max-width: 900px) { .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; } }
    @media(max-width: 480px) { .footer-top { grid-template-columns: 1fr; } .footer-bottom { flex-direction: column; text-align: center; } }
  
    /* ═══════════════════════════════════════════════════════════
       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{display:none !important}
.ip1{color:var(--gray-400) !important}
.ip2{height:30% !important}
.ip3{height:45% !important}
.ip4{height:35% !important}
.ip5{height:55% !important}
.ip6{height:50% !important}
.ip7{height:65% !important}
.ip8{height:70% !important}
.ip9{height:88% !important}
.ip10{height:100% !important}
.ip11{height:25% !important}
.ip12{height:40% !important}
.ip13{height:38% !important}
.ip14{height:52% !important}
.ip15{height:48% !important}
.ip16{height:60% !important}
.ip17{height:82% !important}
.ip18{height:20% !important}
.ip19{height:42% !important}
.ip20{height:58% !important}
.ip21{height:62% !important}
.ip22{height:78% !important}
.ip23{background-image:url('elderly-couple-talking-together-drinking-coffee-milk.jpg') !important}
.ip24{background-image:url('medium-shot-woman-with-tablet.jpg') !important}
.ip25{background-image:url('front-view-businessman-spilling-shopping-cart-coins.jpg') !important}
.ip26{background-image:url('good-looking-brunette-female-being-home-uses-modern-tablet-making-contacts-with-friends-relatives.jpg') !important}
.ip27{margin-top:34px !important}
.ip28{color:var(--white) !important}
.ip29{margin-top:24px !important}