/* ── 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;
      --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; }
    .container { 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); }
    .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-sm { padding: 10px 22px; font-size: 13.5px; }
    .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-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-gold { background: var(--gold); color: var(--white); border-color: var(--gold); border-radius: 6px; font-weight: 700; }
    .btn-gold:hover { background: var(--gold-dark); border-color: var(--gold-dark); transform: translateY(-1px); }
    .btn svg { width: 16px; height: 16px; flex-shrink: 0; }

    /* ── SCROLL ANIMATION ───────────────────────────────────────── */
    .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: .08s; } .d2 { transition-delay: .16s; }
    .d3 { transition-delay: .24s; } .d4 { transition-delay: .32s; }
    .d5 { transition-delay: .40s; }

    /* ── ANNOUNCEMENT BAR ───────────────────────────────────────── */
    .ann-bar {
      background: var(--g900); color: rgba(255,255,255,.85);
      font-size: 12px; text-align: center; padding: 9px 24px; letter-spacing: .3px;
    }
    .ann-bar strong { color: var(--gold); }
    .ann-bar a { color: var(--gold); text-decoration: underline; }

    /* ── NAVBAR ─────────────────────────────────────────────────── */
    .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; }
    .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: linear-gradient(140deg, var(--g900) 0%, #0B2F70 55%, #0D3A8C 100%);
      padding: 96px 0 80px;
    }
    .hero::before {
      content: '';
      position: absolute; inset: 0;
      background:
        radial-gradient(ellipse 700px 500px at 80% 60%, rgba(21,101,192,.18) 0%, transparent 70%),
        radial-gradient(ellipse 400px 300px at 10% 90%, rgba(229,160,32,.08) 0%, transparent 60%);
      pointer-events: none;
    }
    .hero-ring { position: absolute; border-radius: 50%; pointer-events: none; }
    .hero-ring-1 { width: 520px; height: 520px; top: -180px; right: -100px; border: 1px solid rgba(255,255,255,.05); }
    .hero-ring-2 { width: 360px; height: 360px; top: -80px; right: 20px; border: 1px solid rgba(229,160,32,.10); }
    .hero-inner { position: relative; z-index: 2; }
    .hero-badge {
      display: inline-flex; align-items: center; gap: 9px;
      background: rgba(255,255,255,.10); border: 1px solid rgba(255,255,255,.18);
      border-radius: 100px; padding: 6px 18px 6px 8px;
      font-size: 12.5px; color: rgba(255,255,255,.85); font-weight: 600;
      margin-bottom: 24px; backdrop-filter: blur(4px);
    }
    .hero-badge-dot {
      width: 28px; height: 28px; border-radius: 50%;
      background: rgba(229,160,32,.22); border: 1px solid rgba(229,160,32,.4);
      display: flex; align-items: center; justify-content: center; flex-shrink: 0;
    }
    .hero-badge-dot svg { width: 13px; height: 13px; color: var(--gold); }
    .hero-title {
      font-size: clamp(32px, 5vw, 52px); font-weight: 800;
      color: var(--white); line-height: 1.12; letter-spacing: -.6px;
      margin-bottom: 20px;
    }
    .hero-title span { color: var(--gold); }
    .hero-sub { font-size: 15.5px; color: rgba(255,255,255,.72); line-height: 1.8; max-width: 600px; }

    /* ── 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; }

    /* ── SECTION COMMONS ─────────────────────────────────────────── */
    .sec { padding: 72px 0 80px; }
    .sec-alt { background: var(--gray-50); }
    .sec-hd { margin-bottom: 40px; }
    .sec-hd .label { margin-bottom: 8px; }
    .sec-sub { font-size: 15px; color: var(--gray-500); line-height: 1.7; margin-top: 12px; max-width: 640px; }

    /* ── DOCUMENT CARDS 2×2 ──────────────────────────────────────── */
    .doc-grid {
      display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px;
    }
    .doc-card {
      background: var(--white); border: 1px solid var(--gray-200);
      border-radius: var(--rl); padding: 28px;
      display: flex; gap: 20px; align-items: flex-start;
      box-shadow: var(--sh-sm);
      transition: all var(--t);
    }
    .doc-card:hover { transform: translateY(-3px); box-shadow: var(--sh-md); border-color: var(--g200); }
    .doc-icon {
      width: 48px; height: 48px; border-radius: 12px; flex-shrink: 0;
      background: var(--g50); border: 1.5px solid var(--g100);
      display: flex; align-items: center; justify-content: center;
    }
    .doc-icon svg { width: 22px; height: 22px; color: var(--g700); }
    .doc-body { flex: 1; min-width: 0; }
    .doc-title { font-size: 15px; font-weight: 700; color: var(--g900); margin-bottom: 6px; }
    .doc-desc { font-size: 13.5px; color: var(--gray-500); line-height: 1.65; margin-bottom: 14px; }
    .doc-link {
      display: inline-flex; align-items: center; gap: 6px;
      font-size: 13px; font-weight: 600; color: var(--g700);
      transition: gap var(--t), color var(--t);
    }
    .doc-link:hover { gap: 10px; color: var(--g900); }
    .doc-link svg { width: 14px; height: 14px; }

    /* PECBF note band */
    .pecbf-note {
      margin-top: 28px; padding: 16px 22px;
      background: var(--g50); border: 1px solid var(--g100);
      border-left: 4px solid var(--g700);
      border-radius: var(--r); font-size: 13.5px; color: var(--gray-700);
    }
    .pecbf-note strong { color: var(--g900); }

    /* PECBF doc links row */
    .pecbf-links { margin-top: 14px; display: flex; flex-wrap: wrap; gap: 10px; }
    .pecbf-doc-btn {
      display: inline-flex; align-items: center; gap: 7px;
      padding: 8px 16px; border-radius: 6px;
      background: var(--white); border: 1.5px solid var(--g200);
      font-size: 13px; font-weight: 600; color: var(--g700);
      transition: all var(--t);
    }
    .pecbf-doc-btn:hover { background: var(--g700); color: var(--white); border-color: var(--g700); transform: translateY(-1px); }
    .pecbf-doc-btn svg { width: 14px; height: 14px; flex-shrink: 0; }

    /* ── ANNUAL REPORTS ──────────────────────────────────────────── */
    .reports-inner {
      display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
    }
    .reports-left {}
    .reports-left .body-lg { max-width: 100%; }
    .reports-cta { margin-top: 28px; }
    .reports-illustration {
      height: 320px; border-radius: var(--rl);
      background: linear-gradient(135deg, var(--g900) 0%, #0B2F70 60%, #0D3A8C 100%);
      display: flex; flex-direction: column;
      align-items: center; justify-content: center;
      gap: 20px; position: relative; overflow: hidden;
    }
    .reports-illustration::before {
      content: '';
      position: absolute; inset: 0;
      background: radial-gradient(ellipse 60% 60% at 30% 40%, rgba(21,101,192,.3) 0%, transparent 70%);
    }
    .reports-illustration svg { width: 72px; height: 72px; color: rgba(255,255,255,.7); position: relative; z-index: 1; }
    .reports-illustration span {
      font-size: 13.5px; color: rgba(255,255,255,.55); letter-spacing: .3px;
      position: relative; z-index: 1;
    }
    .reports-illustration-ring {
      position: absolute; border-radius: 50%; pointer-events: none;
      border: 1px solid rgba(255,255,255,.07);
    }
    .rr1 { width: 260px; height: 260px; top: -60px; right: -60px; }
    .rr2 { width: 180px; height: 180px; bottom: -40px; left: -40px; border-color: rgba(229,160,32,.12); }

    /* ── FORMS ──────────────────────────────────────────────────── */
    .forms-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
    .form-card {
      background: var(--white); border: 1px solid var(--gray-200);
      border-radius: var(--rl); padding: 28px 24px;
      display: flex; flex-direction: column; align-items: flex-start;
      box-shadow: var(--sh-sm); transition: all var(--t);
    }
    .form-card:hover { transform: translateY(-3px); box-shadow: var(--sh-md); border-color: var(--g200); }
    .form-card-icon {
      width: 48px; height: 48px; border-radius: 12px; margin-bottom: 16px;
      background: var(--g50); border: 1.5px solid var(--g100);
      display: flex; align-items: center; justify-content: center;
    }
    .form-card-icon svg { width: 22px; height: 22px; color: var(--g700); }
    .form-card-title { font-size: 15px; font-weight: 700; color: var(--g900); margin-bottom: 8px; }
    .form-card-desc { font-size: 13.5px; color: var(--gray-500); line-height: 1.65; flex: 1; margin-bottom: 20px; }
    .form-card .btn { align-self: flex-start; }

    /* ── SCAM ALERT ─────────────────────────────────────────────── */
    .scam-alert { padding: 48px 0; }
    .scam-inner {
      background: #FFF3CD;
      border: 2px solid #F0A500;
      border-radius: var(--rl);
      padding: 36px 40px;
      display: flex; gap: 24px; align-items: flex-start;
    }
    .scam-icon-wrap {
      width: 56px; height: 56px; border-radius: 14px; flex-shrink: 0;
      background: #F0A500; display: flex; align-items: center; justify-content: center;
    }
    .scam-icon-wrap svg { width: 28px; height: 28px; color: var(--white); }
    .scam-body {}
    .scam-title { font-size: 18px; font-weight: 800; color: #7A4800; margin-bottom: 10px; }
    .scam-text { font-size: 14.5px; color: #5A3300; line-height: 1.8; margin-bottom: 20px; }
    .scam-text strong { color: #7A4800; }

    /* ── REGULATORY ─────────────────────────────────────────────── */
    .reg-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
    .reg-card {
      background: var(--white); border: 1px solid var(--gray-200);
      border-radius: var(--rl); padding: 24px 22px;
      display: flex; gap: 16px; align-items: flex-start;
      box-shadow: var(--sh-sm); transition: all var(--t);
    }
    .reg-card:hover { transform: translateY(-2px); box-shadow: var(--sh-md); border-color: var(--g200); }
    .reg-card-icon {
      width: 44px; height: 44px; border-radius: 10px; flex-shrink: 0;
      background: var(--g50); border: 1.5px solid var(--g100);
      display: flex; align-items: center; justify-content: center;
    }
    .reg-card-icon svg { width: 20px; height: 20px; color: var(--g700); }
    .reg-card-body { flex: 1; min-width: 0; }
    .reg-card-title { font-size: 14px; font-weight: 700; color: var(--g900); margin-bottom: 4px; }
    .reg-card-desc { font-size: 12.5px; color: var(--gray-500); line-height: 1.5; }
    .reg-card-arrow { width: 16px; height: 16px; flex-shrink: 0; color: var(--g200); opacity: .6; transition: transform var(--t), opacity var(--t); }
    .reg-card:hover .reg-card-arrow { transform: translateX(4px); color: var(--g700); opacity: 1; }

    /* ── FOOTER ─────────────────────────────────────────────────── */
    .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 strong { color: rgba(255,255,255,.85); display: block; margin-bottom: 6px; font-size: 14px; }
    .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: var(--g900); border-top: 1px solid rgba(255,255,255,.08); padding: 18px 0; font-size: 11.5px; color: rgba(255,255,255,.55); text-align: center; line-height: 1.6; }

    /* ── 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;
      cursor: pointer;
    }
    .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) {
      .doc-grid { grid-template-columns: 1fr; }
      .forms-grid { grid-template-columns: repeat(2, 1fr); }
      .reports-inner { grid-template-columns: 1fr; gap: 36px; }
      .reg-grid { grid-template-columns: repeat(2, 1fr); }
    }
    @media (max-width: 768px) {
      .nav-links { display: none; }
      .nav-links, .nav-right .btn-sm { display: none; }
      .hamburger { display: flex; }
    }
    @media (max-width: 640px) {
      .hero { padding: 72px 0 60px; }
      .sec { padding: 52px 0 60px; }
      .forms-grid { grid-template-columns: 1fr; }
      .reg-grid { grid-template-columns: 1fr; }
      .scam-inner { flex-direction: column; gap: 16px; padding: 24px 20px; }
      .pecbf-links { flex-direction: column; }
    }

    /* ── 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{margin-top: 12px !important}
.ip1{padding-top: 60px !important; padding-bottom: 72px !important}
.ip2{margin-top:24px !important}