/* ============ TOKENS ============ */
:root{
  --bg:#fbfbfd; --ink:#1d1d1f; --muted:#6e6e73; --line:rgba(0,0,0,.08);
  --dark:#06070f; --dark2:#0c0e1f; --dark-line:rgba(255,255,255,.1);
  --indigo:#5b6cff; --violet:#9b5cff; --pink:#ff5fa8; --teal:#14d4b4; --amber:#ffb53d;
  --grad:linear-gradient(120deg,#5b6cff 0%,#9b5cff 40%,#ff5fa8 75%,#ffb53d 100%);
  --ease:cubic-bezier(.22,.8,.2,1);
  --nav-h:52px;
  --wrap:1180px;
  --font:"Inter",-apple-system,BlinkMacSystemFont,"SF Pro Display","Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font);background:var(--bg);color:var(--ink);font-size:17px;line-height:1.55;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit;border:0;background:none;cursor:pointer}
img{max-width:100%;display:block}
svg{display:block}
:focus-visible{outline:2px solid var(--indigo);outline-offset:3px;border-radius:6px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}

/* ============ SPLASH + PROGRESS ============ */
#splash{position:fixed;inset:0;z-index:999;background:var(--dark);display:grid;place-items:center;transition:opacity .7s var(--ease),visibility .7s}
#splash.done{opacity:0;visibility:hidden}
.splash-mark{display:grid;grid-template-columns:repeat(2,26px);gap:6px;animation:pulse 1.2s ease-in-out infinite}
.splash-mark i{width:26px;height:26px;border-radius:9px;background:var(--indigo)}
.splash-mark i:nth-child(1){border-radius:13px}
.splash-mark i:nth-child(2){background:var(--amber)}
.splash-mark i:nth-child(3){background:var(--teal)}
.splash-mark i:nth-child(4){background:var(--violet);border-radius:13px}
@keyframes pulse{50%{transform:scale(.88);opacity:.7}}
#progress{position:fixed;top:0;left:0;height:3px;width:0;background:var(--grad);z-index:200}

/* ============ NAV ============ */
.nav{position:fixed;top:0;left:0;right:0;height:var(--nav-h);z-index:100;border-bottom:1px solid var(--dark-line)}
/* blur lives on a pseudo-element: backdrop-filter on .nav itself traps the fixed mobile menu inside the 52px bar */
.nav::before{content:"";position:absolute;inset:0;z-index:-1;background:rgba(8,9,20,.72);-webkit-backdrop-filter:saturate(180%) blur(20px);backdrop-filter:saturate(180%) blur(20px)}
.nav-inner{max-width:1280px;height:100%;margin:0 auto;padding:0 24px;display:flex;align-items:center;gap:28px}
.brand{flex:none;display:flex;align-items:center;gap:12px;line-height:1;color:#fff;font-weight:700;font-size:17px;letter-spacing:-.02em;white-space:nowrap}
.navlinks{display:flex;gap:4px;margin-left:auto;align-items:center}
.navlinks a{position:relative;padding:6px 12px;font-size:13px;color:rgba(255,255,255,.72);border-radius:980px;transition:color .25s,background .25s}
.navlinks a:hover{color:#fff}
.navlinks a.active{color:#fff;background:rgba(255,255,255,.12)}
.nav-cta{font-size:13px;font-weight:600;color:#fff;padding:7px 16px;border-radius:980px;background:var(--grad);background-size:160% 100%;transition:background-position .5s var(--ease),transform .25s}
.nav-cta:hover{background-position:100% 0;transform:translateY(-1px)}
.burger{display:none;width:36px;height:36px;margin-left:auto;position:relative}
.burger span{position:absolute;left:8px;right:8px;height:1.5px;background:#fff;transition:transform .35s var(--ease),top .35s var(--ease)}
.burger span:first-child{top:14px}.burger span:last-child{top:21px}
.burger[aria-expanded=true] span:first-child{top:17px;transform:rotate(45deg)}
.burger[aria-expanded=true] span:last-child{top:17px;transform:rotate(-45deg)}
.announce{position:fixed;top:var(--nav-h);left:0;right:0;z-index:90;text-align:center;font-size:13px;padding:8px 16px;background:var(--grad);color:#fff;font-weight:500}
@media(max-width:1020px){
  .nav-cta{display:none}
  .burger{display:block}
  .navlinks{position:fixed;top:var(--nav-h);left:0;right:0;bottom:0;flex-direction:column;align-items:stretch;gap:0;margin:0;padding:12px 24px 40px;background:rgba(6,7,15,.97);-webkit-backdrop-filter:blur(24px);backdrop-filter:blur(24px);transform:translateY(-12px);opacity:0;visibility:hidden;transition:.4s var(--ease);overflow:auto}
  .navlinks.open{transform:none;opacity:1;visibility:visible}
  .navlinks a{font-size:26px;font-weight:600;padding:14px 0;border-radius:0;border-bottom:1px solid var(--dark-line);color:#fff}
  .navlinks a.active{background:none;color:var(--teal)}
}

/* ============ LOGO MARK ============ */
.mark{display:grid;grid-template-columns:repeat(2,11px);gap:2.5px}
.mark i{width:11px;height:11px;border-radius:4px;background:var(--indigo)}
.mark i:nth-child(1){border-radius:6px}
.mark i:nth-child(2){background:var(--amber)}
.mark i:nth-child(3){background:var(--teal)}
.mark i:nth-child(4){background:var(--violet);border-radius:6px}
.mark.lg{grid-template-columns:repeat(2,24px);gap:4px}
.mark.lg i{width:24px;height:24px;border-radius:8px}
.mark.lg i:nth-child(1),.mark.lg i:nth-child(4){border-radius:12px}

/* ============ TYPE + BUTTONS ============ */
.eyebrow{display:inline-block;font-size:14px;font-weight:600;letter-spacing:.02em;margin-bottom:14px;background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.h1{font-size:clamp(44px,8.4vw,104px);line-height:1.02;letter-spacing:-.045em;font-weight:800}
.h2{font-size:clamp(34px,5.4vw,64px);line-height:1.06;letter-spacing:-.04em;font-weight:800}
.h3{font-size:clamp(22px,2.4vw,28px);line-height:1.15;letter-spacing:-.025em;font-weight:700}
.lead{font-size:clamp(18px,2vw,24px);line-height:1.4;letter-spacing:-.01em;color:var(--muted);font-weight:500}
.dark .lead,.dark .muted{color:rgba(255,255,255,.66)}
.grad-text{background:var(--grad);background-size:200% 100%;-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;animation:shift 8s ease-in-out infinite alternate}
@keyframes shift{to{background-position:100% 0}}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 26px;border-radius:980px;font-size:16px;font-weight:600;transition:transform .3s var(--ease),box-shadow .3s,background .3s,color .3s;white-space:nowrap}
.btn:active{transform:scale(.97)}
.btn-primary{color:#fff;background:var(--grad);background-size:170% 100%;box-shadow:0 10px 30px -8px rgba(124,92,255,.65)}
.btn-primary:hover{background-position:100% 0;transform:translateY(-2px);box-shadow:0 16px 38px -8px rgba(255,95,168,.55)}
.btn-ghost{color:#fff;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18)}
.btn-ghost:hover{background:rgba(255,255,255,.18);transform:translateY(-2px)}
.btn-light{color:var(--ink);background:#fff;border:1px solid var(--line)}
.btn-light:hover{transform:translateY(-2px);box-shadow:0 12px 28px -12px rgba(0,0,0,.25)}
.btn-sm{padding:9px 18px;font-size:14px}
.link{color:var(--indigo);font-weight:600;font-size:15px;display:inline-flex;gap:6px;align-items:center}
.link:hover{gap:10px}
.link{transition:gap .25s}
.head{max-width:760px;margin-bottom:56px}
.head.center{margin-inline:auto;text-align:center}
.head p{margin-top:16px}

/* ============ SECTIONS ============ */
section{position:relative}
.sec{padding:clamp(72px,11vw,140px) 0}
.dark{background:var(--dark);color:#fff}
.dark2{background:var(--dark2);color:#fff}
.soft{background:#f3f4fb}
main{min-height:60vh}
.page{animation:pagein .8s var(--ease) both}
@keyframes pagein{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}

/* reveal */
.reveal{opacity:0;transform:translateY(34px);transition:opacity .9s var(--ease),transform .9s var(--ease);transition-delay:calc(var(--i,0)*90ms)}
.reveal.in{opacity:1;transform:none}
.reveal.zoom{transform:scale(.94) translateY(20px)}
.reveal.zoom.in{transform:none}

/* ============ HERO ============ */
.hero{min-height:100vh;display:flex;align-items:center;padding:calc(var(--nav-h) + 70px) 0 150px;overflow:hidden;isolation:isolate}
.hero .orbs{position:absolute;inset:0;z-index:-1;pointer-events:none}
.orb{position:absolute;border-radius:50%;filter:blur(90px);opacity:.55;will-change:transform;transition:transform .4s ease-out}
.orb.o1{width:560px;height:560px;left:-120px;top:-60px;background:var(--indigo);animation:float1 16s ease-in-out infinite alternate}
.orb.o2{width:480px;height:480px;right:-100px;top:10%;background:var(--pink);opacity:.4;animation:float2 19s ease-in-out infinite alternate}
.orb.o3{width:520px;height:520px;left:35%;bottom:-220px;background:var(--teal);opacity:.35;animation:float3 22s ease-in-out infinite alternate}
@keyframes float1{to{transform:translate(120px,80px) scale(1.15)}}
@keyframes float2{to{transform:translate(-140px,120px) scale(.9)}}
@keyframes float3{to{transform:translate(-90px,-70px) scale(1.2)}}
.hero .gridbg{position:absolute;inset:0;z-index:-1;background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:64px 64px;-webkit-mask-image:radial-gradient(ellipse at 50% 40%,#000 20%,transparent 72%);mask-image:radial-gradient(ellipse at 50% 40%,#000 20%,transparent 72%)}
.hero-inner{text-align:center;max-width:980px;margin:0 auto}
.pill{display:inline-flex;align-items:center;gap:8px;padding:7px 16px;border-radius:980px;font-size:13px;font-weight:600;color:rgba(255,255,255,.88);background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}
.pill::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--teal);box-shadow:0 0 0 0 rgba(20,212,180,.7);animation:ping 2s infinite}
@keyframes ping{70%{box-shadow:0 0 0 10px rgba(20,212,180,0)}100%{box-shadow:0 0 0 0 rgba(20,212,180,0)}}
.hero h1{margin:26px 0 24px}
.hero .lead{max-width:720px;margin:0 auto 40px}
.cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.hero-stats{position:absolute;left:0;right:0;bottom:36px}
.stat-strip{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:1px;background:var(--dark-line);border:1px solid var(--dark-line);border-radius:22px;overflow:hidden;-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px)}
.stat{padding:22px 20px;background:rgba(10,12,28,.55);text-align:center}
.stat b{display:block;font-size:clamp(28px,4vw,42px);letter-spacing:-.03em;font-weight:800;line-height:1.1}
.stat>span{font-size:13px;color:rgba(255,255,255,.6)}
.stat b span{font-size:inherit;color:inherit}
@media(max-width:700px){.hero{padding-bottom:230px}.stat{padding:16px 10px}}

/* page hero */
.phero{padding:calc(var(--nav-h) + 90px) 0 90px;text-align:center;overflow:hidden;isolation:isolate}
.phero .orbs{position:absolute;inset:0;z-index:-1}
.phero .orb{opacity:.4}
.phero h1{margin-bottom:18px}
.phero .lead{max-width:680px;margin:0 auto}

/* ============ ABOUT ============ */
.split{display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:center}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:36px}}
.about-text p{margin-top:18px;font-size:19px;color:var(--muted)}
.vcard{position:relative;aspect-ratio:4/3;border-radius:32px;overflow:hidden;background:linear-gradient(135deg,#171a45,#2a1560 50%,#5a1f66);display:grid;place-items:center;box-shadow:0 40px 80px -30px rgba(70,50,200,.55);cursor:pointer;transition:transform .6s var(--ease)}
.vcard:hover{transform:scale(1.025) rotate(-.4deg)}
.vcard::before{content:"";position:absolute;width:140%;height:140%;background:conic-gradient(from 0deg,transparent,rgba(20,212,180,.35),transparent 40%,rgba(255,95,168,.35),transparent 80%);animation:spin 12s linear infinite}
.vcard::after{content:"";position:absolute;inset:2px;border-radius:30px;background:linear-gradient(135deg,#0f1235,#1d1049 60%,#3b1550)}
@keyframes spin{to{transform:rotate(360deg)}}
.vcard-in{position:relative;z-index:2;text-align:center;color:#fff;padding:24px}
.play{width:82px;height:82px;border-radius:50%;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);display:grid;place-items:center;margin:0 auto 20px;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);transition:transform .4s var(--ease),background .3s}
.vcard:hover .play{transform:scale(1.12);background:rgba(255,255,255,.24)}
.play svg{width:28px;height:28px;margin-left:4px}

/* ============ SEGMENTED + BENEFITS ============ */
.seg{display:inline-flex;position:relative;padding:5px;border-radius:980px;background:rgba(0,0,0,.06);margin-bottom:40px;max-width:100%;overflow-x:auto;scrollbar-width:none}
.seg::-webkit-scrollbar{display:none}
.seg button{position:relative;z-index:1;padding:10px 22px;border-radius:980px;font-size:15px;font-weight:600;color:var(--muted);transition:color .3s;white-space:nowrap}
.seg button.on{color:#fff}
.seg .thumb{position:absolute;z-index:0;top:5px;bottom:5px;border-radius:980px;background:var(--ink);transition:left .5s var(--ease),width .5s var(--ease)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.card{position:relative;background:#fff;border:1px solid var(--line);border-radius:28px;padding:34px 30px;transition:transform .5s var(--ease),box-shadow .5s var(--ease);overflow:hidden}
.card:hover{transform:translateY(-8px);box-shadow:0 30px 60px -28px rgba(40,40,120,.35)}
.card .ico{width:50px;height:50px;border-radius:16px;display:grid;place-items:center;color:#fff;font-weight:800;font-size:18px;margin-bottom:22px;background:var(--grad)}
.card h3{margin-bottom:10px}
.card p{color:var(--muted);font-size:16px}
.panel{animation:pagein .6s var(--ease) both}
.card.c1 .ico{background:linear-gradient(135deg,#5b6cff,#9b5cff)}
.card.c2 .ico{background:linear-gradient(135deg,#14d4b4,#5b6cff)}
.card.c3 .ico{background:linear-gradient(135deg,#ff5fa8,#ffb53d)}

/* ============ TIMELINE ============ */
.tl{position:relative;max-width:900px;margin:0 auto;padding:10px 0}
.tl-line{position:absolute;left:50%;top:0;bottom:0;width:2px;background:var(--dark-line);transform:translateX(-50%)}
.tl-fill{position:absolute;left:0;top:0;width:100%;height:0;background:var(--grad);box-shadow:0 0 18px rgba(155,92,255,.8)}
.tl-item{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:64px;margin-bottom:54px}
.tl-item:last-child{margin-bottom:0}
.tl-item .tl-card{grid-column:1;text-align:right}
.tl-item:nth-child(even) .tl-card{grid-column:2;text-align:left}
.tl-dot{position:absolute;left:50%;top:14px;width:18px;height:18px;border-radius:50%;background:var(--dark);border:3px solid var(--dark-line);transform:translateX(-50%);transition:.5s var(--ease);z-index:2}
.tl-item.in .tl-dot{border-color:var(--teal);box-shadow:0 0 0 7px rgba(20,212,180,.18);background:var(--teal)}
.tl-year{font-size:clamp(40px,6vw,64px);font-weight:800;letter-spacing:-.04em;line-height:1;background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.tl-card h3{margin:10px 0 8px;font-size:22px}
.tl-card p{color:rgba(255,255,255,.62);font-size:16px}
@media(max-width:760px){
  .tl-line{left:11px}.tl-dot{left:11px}
  .tl-item{grid-template-columns:1fr;gap:0;padding-left:44px}
  .tl-item .tl-card,.tl-item:nth-child(even) .tl-card{grid-column:1;text-align:left}
}

/* ============ CAROUSEL / FUND CARDS ============ */
.car-head{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;flex-wrap:wrap}
.car-nav{display:flex;gap:10px;margin-bottom:56px}
.car-nav button{width:48px;height:48px;border-radius:50%;background:#fff;border:1px solid var(--line);display:grid;place-items:center;transition:.3s var(--ease)}
.car-nav button:hover{background:var(--ink);color:#fff;transform:scale(1.08)}
.car-nav svg{width:20px;height:20px}
.track{display:flex;gap:24px;overflow-x:auto;scroll-snap-type:x mandatory;padding:10px max(24px,calc((100vw - var(--wrap))/2 + 24px)) 50px;scrollbar-width:none;cursor:grab}
.track::-webkit-scrollbar{display:none}
.track.drag{cursor:grabbing;scroll-snap-type:none}
.fcard{flex:0 0 min(380px,82vw);scroll-snap-align:center;border-radius:34px;color:#fff;padding:38px 32px;min-height:460px;display:flex;flex-direction:column;position:relative;overflow:hidden;transition:transform .6s var(--ease),box-shadow .6s;box-shadow:0 30px 60px -30px var(--sh,rgba(70,50,200,.6))}
.fcard:hover{transform:translateY(-10px) scale(1.015)}
.fcard::after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:rgba(255,255,255,.14);filter:blur(4px)}
.fcard>*{position:relative;z-index:1}
.chip{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:5px 12px;border-radius:980px;background:rgba(255,255,255,.2);align-self:flex-start;margin-bottom:auto}
.fcard h3{font-size:36px;letter-spacing:-.035em;margin:60px 0 8px;font-weight:800;line-height:1.05}
.fcard .tag{opacity:.88;font-size:17px;margin-bottom:26px}
.fcard .acts{display:flex;gap:10px;flex-wrap:wrap}
.fcard .btn{background:#fff;color:var(--ink);padding:10px 20px;font-size:14px}
.fcard .btn.o{background:rgba(255,255,255,.18);color:#fff;border:1px solid rgba(255,255,255,.35)}
.a-indigo{background:linear-gradient(145deg,#4a5bff,#7b4dff);--sh:rgba(91,108,255,.65)}
.a-teal{background:linear-gradient(145deg,#0fb89e,#2d7bff);--sh:rgba(20,212,180,.55)}
.a-violet{background:linear-gradient(145deg,#8c4dff,#d24dff);--sh:rgba(155,92,255,.6)}
.a-amber{background:linear-gradient(145deg,#ff9f1c,#ff5f6d);--sh:rgba(255,150,60,.6)}
.a-pink{background:linear-gradient(145deg,#ff4d94,#8a4dff);--sh:rgba(255,95,168,.6)}

/* fund detail cards (page) */
.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:26px}
.fpage{background:#fff;border:1px solid var(--line);border-radius:32px;overflow:hidden;display:flex;flex-direction:column;transition:transform .5s var(--ease),box-shadow .5s}
.fpage:hover{transform:translateY(-8px);box-shadow:0 36px 70px -34px rgba(40,40,120,.4)}
.fpage .top{padding:30px 30px 26px;color:#fff;min-height:170px;display:flex;flex-direction:column;justify-content:flex-end;position:relative;overflow:hidden}
.fpage .top::after{content:"";position:absolute;right:-40px;top:-50px;width:170px;height:170px;border-radius:50%;background:rgba(255,255,255,.16)}
.fpage .top h3{font-size:30px;position:relative;z-index:1}
.fpage .top span{opacity:.88;position:relative;z-index:1;font-size:15px}
.fpage .body{padding:26px 30px 30px;display:flex;flex-direction:column;gap:18px;flex:1}
.fpage .body p{color:var(--muted);font-size:16px}
.metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.metrics div{background:#f4f5fb;border-radius:14px;padding:12px 10px;text-align:center}
.metrics b{display:block;font-size:14px;line-height:1.25;letter-spacing:-.01em}
.metrics small{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.hl{list-style:none;display:grid;gap:8px}
.hl li{padding-left:26px;position:relative;font-size:15px}
.hl li::before{content:"";position:absolute;left:0;top:7px;width:14px;height:14px;border-radius:50%;background:var(--grad)}
.fpage .acts{display:flex;gap:10px;margin-top:auto;flex-wrap:wrap}

/* ============ PAGE TABS ============ */
.tabbar{position:sticky;top:var(--nav-h);z-index:50;background:rgba(251,251,253,.82);-webkit-backdrop-filter:saturate(180%) blur(20px);backdrop-filter:saturate(180%) blur(20px);border-bottom:1px solid var(--line)}
.tabs{display:flex;gap:6px;overflow-x:auto;scrollbar-width:none;padding:12px 24px;max-width:var(--wrap);margin:0 auto;justify-content:center}
.tabs::-webkit-scrollbar{display:none}
.tabs a{padding:9px 20px;border-radius:980px;font-size:15px;font-weight:600;color:var(--muted);white-space:nowrap;transition:.3s var(--ease)}
.tabs a:hover{color:var(--ink);background:rgba(0,0,0,.05)}
.tabs a.on{color:#fff;background:var(--ink)}
.tabpanel{padding:70px 0 120px;min-height:50vh}

/* ============ TABLE ============ */
.tbl-wrap{overflow-x:auto;border-radius:28px;border:1px solid var(--line);background:#fff;box-shadow:0 30px 60px -40px rgba(40,40,120,.4)}
table{width:100%;border-collapse:collapse;min-width:640px}
th,td{padding:20px 24px;text-align:left;font-size:16px}
thead th{background:linear-gradient(120deg,#12154a,#2a1b72);color:#fff;font-weight:700;font-size:17px;letter-spacing:-.01em;white-space:nowrap}
thead th:first-child{color:rgba(255,255,255,.6);font-size:13px;text-transform:uppercase;letter-spacing:.08em}
tbody th{font-weight:600;color:var(--ink);background:#fafaff;position:sticky;left:0}
tbody tr:nth-child(even) td{background:#fbfbfe}
tbody tr{transition:background .25s}
tbody tr:hover td,tbody tr:hover th{background:#eef0ff}
td{color:#3b3d4a}
tbody tr+tr th,tbody tr+tr td{border-top:1px solid var(--line)}
.note{margin-top:18px;font-size:13px;color:var(--muted)}

/* ============ STEPS ============ */
.steps{display:grid;gap:0;max-width:760px;margin:0 auto}
.step{display:grid;grid-template-columns:64px 1fr;gap:24px;position:relative;padding-bottom:36px}
.step:last-child{padding-bottom:0}
.step::before{content:"";position:absolute;left:31px;top:64px;bottom:0;width:2px;background:linear-gradient(var(--indigo),transparent)}
.step:last-child::before{display:none}
.step .n{width:64px;height:64px;border-radius:22px;background:var(--grad);color:#fff;font-size:24px;font-weight:800;display:grid;place-items:center;box-shadow:0 14px 30px -10px rgba(124,92,255,.6)}
.step h3{margin:8px 0 6px;font-size:23px}
.step p{color:var(--muted)}

/* ============ FAQ ============ */
.faq{max-width:820px;margin:0 auto;display:grid;gap:12px}
.fq{background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;transition:box-shadow .4s}
.fq:hover{box-shadow:0 16px 40px -24px rgba(40,40,120,.4)}
.fq-q{width:100%;text-align:left;padding:22px 26px;display:flex;justify-content:space-between;gap:20px;align-items:center;font-size:18px;font-weight:600;letter-spacing:-.01em}
.fq-q i{flex:0 0 28px;height:28px;border-radius:50%;background:#f1f2fa;position:relative;transition:.4s var(--ease)}
.fq-q i::before,.fq-q i::after{content:"";position:absolute;left:8px;top:13px;width:12px;height:2px;background:var(--ink);border-radius:2px;transition:.4s var(--ease)}
.fq-q i::after{transform:rotate(90deg)}
.fq.open .fq-q i{background:var(--ink);transform:rotate(180deg)}
.fq.open .fq-q i::before,.fq.open .fq-q i::after{background:#fff}
.fq.open .fq-q i::after{transform:rotate(0)}
.fq-a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .5s var(--ease)}
.fq.open .fq-a{grid-template-rows:1fr}
.fq-a>div{overflow:hidden}
.fq-a p{padding:0 26px 24px;color:var(--muted)}

/* ============ GENERIC GRIDS: accreditation, insights, team, presentations ============ */
.badge{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:700;padding:5px 12px;border-radius:980px;background:rgba(20,212,180,.14);color:#0a8f79;letter-spacing:.03em}
.badge::before{content:"";width:6px;height:6px;border-radius:50%;background:currentColor}
.badge.off{background:rgba(255,95,168,.14);color:#c4306f}
.acc-img{height:150px;border-radius:18px;margin-bottom:20px;background:#f4f5fb center/contain no-repeat;border:1px solid var(--line)}
.acc-seal{height:110px;border-radius:18px;margin-bottom:20px;display:grid;place-items:center;color:#fff;font-size:44px;background:linear-gradient(135deg,#5b6cff,#9b5cff)}
.iss{font-size:13px;color:var(--muted);margin-bottom:14px;font-weight:600}

.chips{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:36px}
.chips button{padding:8px 18px;border-radius:980px;font-size:14px;font-weight:600;background:#fff;border:1px solid var(--line);transition:.3s var(--ease)}
.chips button:hover{transform:translateY(-2px)}
.chips button.on{background:var(--ink);color:#fff;border-color:var(--ink)}
.post{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:28px;overflow:hidden;transition:transform .5s var(--ease),box-shadow .5s}
.post:hover{transform:translateY(-8px);box-shadow:0 30px 60px -30px rgba(40,40,120,.4)}
.post .img{aspect-ratio:16/10;background:center/cover;display:grid;place-items:center;color:rgba(255,255,255,.9);font-weight:800;font-size:40px;letter-spacing:-.04em}
.post .tx{padding:24px 26px 28px;display:flex;flex-direction:column;gap:10px;flex:1}
.post .meta{font-size:13px;color:var(--muted);font-weight:600}
.post .meta b{color:var(--indigo)}
.post p{color:var(--muted);font-size:15.5px}
.post .link{margin-top:auto;padding-top:6px}
.post.big{grid-column:1/-1;flex-direction:row}
.post.big .img{flex:1.2;aspect-ratio:auto;min-height:340px}
.post.big .tx{flex:1;justify-content:center;padding:44px}
.post.big h3{font-size:clamp(26px,3vw,38px)}
@media(max-width:800px){.post.big{flex-direction:column}.post.big .img{min-height:220px}.post.big .tx{padding:26px}}
.pgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px}

.person{text-align:center;padding:36px 28px}
.avatar{width:128px;height:128px;border-radius:50%;margin:0 auto 22px;background:center/cover;display:grid;place-items:center;color:#fff;font-size:42px;font-weight:800;box-shadow:0 18px 36px -14px rgba(91,108,255,.6);transition:transform .5s var(--ease)}
.person:hover .avatar{transform:scale(1.07) rotate(-3deg)}
.person .role{color:var(--indigo);font-weight:600;font-size:14px;margin:4px 0 14px}
.person p{color:var(--muted);font-size:15.5px}
.person .in{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;border:1px solid var(--line);margin-top:18px;transition:.3s}
.person .in:hover{background:var(--ink);color:#fff}
.person .in svg{width:18px;height:18px}

/* presentations */
.pcard{position:relative;cursor:pointer;min-height:240px;color:#fff;border-radius:30px;padding:30px;display:flex;flex-direction:column;justify-content:flex-end;overflow:hidden;transition:transform .5s var(--ease),box-shadow .5s;text-align:left}
.pcard:hover{transform:translateY(-8px) scale(1.01)}
.pcard::after{content:"";position:absolute;right:-50px;top:-50px;width:190px;height:190px;border-radius:50%;background:rgba(255,255,255,.15)}
.pcard>*{position:relative;z-index:1}
.pcard h3{font-size:25px;margin:12px 0 6px}
.pcard p{opacity:.88;font-size:15px;margin-bottom:16px}
.pcard .go{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:14px}
.pcard.soon{cursor:default;filter:saturate(.5) brightness(.9)}
.sub-h{font-size:22px;font-weight:700;letter-spacing:-.02em;margin:64px 0 24px}
.sub-h:first-child{margin-top:0}

/* CTA */
.cta{margin:0 auto;padding:clamp(54px,8vw,100px) 28px;border-radius:44px;text-align:center;color:#fff;position:relative;overflow:hidden;background:linear-gradient(135deg,#141850,#3a1b86 55%,#8a2a8a)}
.cta::before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;background:var(--pink);filter:blur(120px);opacity:.35;right:-120px;top:-200px}
.cta::after{content:"";position:absolute;width:420px;height:420px;border-radius:50%;background:var(--teal);filter:blur(120px);opacity:.3;left:-100px;bottom:-200px}
.cta>*{position:relative;z-index:1}
.cta p{margin:16px auto 34px;max-width:560px;font-size:20px;opacity:.82}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:32px}
@media(max-width:900px){.contact-grid{grid-template-columns:1fr}}
.ci{display:flex;gap:16px;align-items:flex-start;padding:22px 24px;background:#fff;border:1px solid var(--line);border-radius:22px;transition:.4s var(--ease)}
a.ci:hover{transform:translateX(6px);box-shadow:0 18px 40px -26px rgba(40,40,120,.5)}
.ci .ic{flex:0 0 46px;height:46px;border-radius:15px;display:grid;place-items:center;color:#fff;background:var(--grad)}
.ci .ic svg{width:22px;height:22px}
.ci small{display:block;color:var(--muted);font-size:13px;font-weight:600}
.ci b{font-weight:600;font-size:17px;word-break:break-word}
.stack{display:grid;gap:14px}
.form{background:#fff;border:1px solid var(--line);border-radius:30px;padding:36px;display:grid;gap:16px;box-shadow:0 30px 60px -40px rgba(40,40,120,.4)}
.form label{font-size:13px;font-weight:600;color:var(--muted);display:grid;gap:7px}
.form input,.form select,.form textarea{font:inherit;font-size:16px;padding:14px 16px;border-radius:14px;border:1px solid rgba(0,0,0,.12);background:#fafaff;color:var(--ink);transition:.25s;width:100%}
.form textarea{min-height:130px;resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--indigo);box-shadow:0 0 0 4px rgba(91,108,255,.15);background:#fff}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:560px){.row2{grid-template-columns:1fr}.form{padding:24px}}
.legal{max-width:760px;margin:0 auto}
.legal p{margin-bottom:18px;color:#3b3d4a}

/* ============ MODAL ============ */
.modal{position:fixed;inset:0;z-index:300;display:grid;place-items:center;padding:20px}
.modal[hidden]{display:none}
.modal-backdrop{position:absolute;inset:0;background:rgba(5,6,16,.72);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);animation:fade .35s both}
.modal-card{position:relative;width:min(960px,100%);max-height:92vh;overflow:auto;background:#fff;border-radius:30px;animation:pop .5s var(--ease) both}
.modal-card.wide{width:min(1100px,100%)}
@keyframes fade{from{opacity:0}}
@keyframes pop{from{opacity:0;transform:scale(.92) translateY(24px)}}
.modal-x{position:absolute;top:14px;right:14px;z-index:5;width:40px;height:40px;border-radius:50%;background:rgba(0,0,0,.55);color:#fff;font-size:26px;line-height:1;transition:.3s}
.modal-x:hover{transform:rotate(90deg);background:#000}
.embed{position:relative;width:100%;aspect-ratio:16/9;background:#0b0d1f}
.embed iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.mbar{display:flex;justify-content:space-between;gap:16px;align-items:center;padding:18px 26px;flex-wrap:wrap}
.mbar b{font-size:18px}
.mpad{padding:40px}
.mpad .top{margin:-40px -40px 28px;padding:44px 40px 30px;color:#fff}
.mpad .top h3{font-size:34px}

/* ============ FOOTER (matches the reference) ============ */
.footer{background:#f6f7fd;color:#5b6180;padding:56px 0 0;margin-top:0}
.f-grid{max-width:1280px;margin:0 auto;padding:0 40px;display:grid;grid-template-columns:1.45fr repeat(4,1fr);gap:40px}
.f-brand .logo{display:flex;align-items:center;gap:14px;color:#161a3d;font-size:30px;font-weight:800;letter-spacing:-.035em;line-height:1}
.f-brand p{margin:26px 0 28px;font-size:18px;line-height:1.75;max-width:360px;color:#5b6180}
.f-social{display:flex;flex-wrap:wrap;gap:14px;max-width:340px}
.f-social a{width:40px;height:40px;border-radius:50%;background:#fff;border:1px solid #e7e9f5;display:grid;place-items:center;color:#161a3d;transition:transform .35s var(--ease),box-shadow .35s,background .3s,color .3s}
.f-social a:hover{transform:translateY(-4px);background:#161a3d;color:#fff;box-shadow:0 10px 22px -10px rgba(22,26,61,.6)}
.f-social svg{width:18px;height:18px}
.f-col h4{color:#161a3d;font-size:18px;font-weight:700;letter-spacing:-.01em;margin-bottom:26px;line-height:1.2}
.f-col ul{list-style:none;display:grid;gap:22px}
.f-col a{font-size:17px;color:#5b6180;transition:color .25s,padding .25s}
.f-col a:hover{color:#161a3d;padding-left:4px}
.f-contact li{display:flex;gap:16px;align-items:flex-start;font-size:17px;line-height:1.45}
.f-contact svg{flex:0 0 20px;width:20px;height:20px;margin-top:3px;color:#5b6180}
.f-contact a{display:block}
.f-bottom{max-width:1280px;margin:54px auto 0;padding:0 40px}
.f-bottom hr{border:0;border-top:1px solid #e5e7f3;margin-bottom:0}
.f-bar{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:30px 0 34px;font-size:17px;flex-wrap:wrap}
.f-bar button{font-size:17px;color:#5b6180;transition:color .25s}
.f-bar button:hover{color:#161a3d}
.f-disc{font-size:12.5px;line-height:1.6;color:#8a8fad;padding-bottom:6px;max-width:900px}
@media(max-width:1100px){.f-grid{grid-template-columns:1fr 1fr 1fr}.f-brand{grid-column:1/-1}}
@media(max-width:640px){.f-grid{grid-template-columns:1fr 1fr;padding:0 24px}.f-bottom{padding:0 24px}.f-contact{grid-column:1/-1}.f-brand .logo{font-size:26px}}

/* ============ TOAST ============ */
.toast{position:fixed;left:50%;bottom:30px;z-index:400;background:var(--ink);color:#fff;padding:14px 24px;border-radius:980px;font-size:15px;font-weight:500;transform:translate(-50%,120px);opacity:0;transition:.5s var(--ease);max-width:90vw;text-align:center}
.toast.show{transform:translate(-50%,0);opacity:1}

@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}
  .reveal{opacity:1;transform:none}
  html{scroll-behavior:auto}
}

/* mobile-only nav item */
.navlinks .m-only{display:none}
@media(max-width:1020px){.navlinks .m-only{display:block}}

/* =====================================================================
   v2 additions
   ===================================================================== */
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none}
.form label.check{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;font-weight:500;color:var(--muted)}
.check input{width:18px;height:18px;flex:0 0 18px;margin-top:2px;padding:0;accent-color:var(--indigo)}
.check a{color:var(--indigo);text-decoration:underline}

/* logo images */
.logo-img{display:block;flex:none;width:auto;height:auto;object-fit:contain;object-position:left center}
.logo-img.lg-nav{height:34px;max-width:220px}
.logo-img.lg-footer{height:46px;max-width:260px}

/* *emphasis* inside headings */
.h1 em,.h2 em{font-style:italic;background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;padding-right:.06em}
.wrap.narrow{max-width:820px}

/* ---------- comparison tables: merged cells, 4 data columns visible, scroll after that ---------- */
.tbl-wrap{container-type:inline-size}
table.cmp{--F:20cqw;--D:max(20cqw,calc(80cqw / var(--n)));table-layout:fixed;width:calc(var(--F) + var(--n) * var(--D));min-width:100%}
table.cmp col.c0{width:var(--F)}
table.cmp col:not(.c0){width:var(--D)}
@media(max-width:760px){table.cmp{--F:34cqw;--D:max(42cqw,calc(66cqw / var(--n)))}}
table.cmp th,table.cmp td{vertical-align:middle;overflow-wrap:anywhere}
table.cmp tbody th{z-index:1}
table.cmp th.mg,table.cmp td.mg{text-align:center;background:linear-gradient(120deg,#eff1ff,#fbf1ff)!important;font-weight:500}
table.cmp thead th.colhl{background:linear-gradient(120deg,#0e8f7e,#2d5bff)}
table.cmp td.colhl{background:rgba(20,212,180,.08)}
table.cmp tbody tr:nth-child(even) td.colhl{background:rgba(20,212,180,.11)}

/* ---------- blog cards ---------- */
.post .img{position:relative;aspect-ratio:16/10;background:var(--g);overflow:hidden;display:grid;place-items:center}
.post .img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .9s var(--ease)}
.post:hover .img img{transform:scale(1.05)}
.post .ini{color:rgba(255,255,255,.92);font-weight:800;font-size:44px;letter-spacing:-.04em}
.post .tx{padding:26px 28px 24px;gap:12px}
.post .cat{font-size:12.5px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;width:max-content;background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.post h3{font-size:clamp(20px,1.9vw,24px);line-height:1.25}
.post.big h3{font-size:clamp(26px,3vw,38px)}
.post .foot{margin-top:auto;padding-top:18px;border-top:1px solid var(--line);display:flex;justify-content:space-between;align-items:center;gap:12px;font-size:13.5px;font-weight:600;color:var(--muted)}
.post .rd{color:var(--indigo);display:inline-flex;gap:6px;align-items:center;transition:gap .25s}
.post:hover .rd{gap:10px}
.post.big .img{aspect-ratio:auto}

/* ---------- article page ---------- */
.art-hero,.art-hero .lead{text-align:left}
.art-hero{padding-bottom:84px}
.back{display:inline-block;color:rgba(255,255,255,.7);font-size:14px;font-weight:600;margin-bottom:26px;transition:color .25s}
.back:hover{color:#fff}
.meta-row{display:flex;flex-wrap:wrap;gap:8px 18px;align-items:center;font-size:14px;color:rgba(255,255,255,.66);margin-bottom:22px}
.cat-pill{padding:5px 14px;border-radius:980px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);color:#fff;font-weight:700;font-size:12px;letter-spacing:.07em;text-transform:uppercase}
.art-cover{position:relative;aspect-ratio:16/8.5;border-radius:30px;overflow:hidden;background:var(--g);margin-top:-44px;box-shadow:0 40px 80px -40px rgba(40,40,120,.6);z-index:2}
.art-cover img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.prose{font-size:19px;line-height:1.8;color:#2b2d3a}
.prose h2{font-size:clamp(26px,3vw,34px);letter-spacing:-.03em;line-height:1.2;margin:1.9em 0 .6em;color:var(--ink)}
.prose h3{font-size:22px;letter-spacing:-.02em;margin:1.6em 0 .5em;color:var(--ink)}
.prose p{margin:0 0 1.2em}
.prose ul,.prose ol{margin:0 0 1.4em 1.4em}
.prose li{margin:.4em 0;padding-left:.2em}
.prose blockquote{margin:1.7em 0;padding:18px 26px;border-left:4px solid var(--indigo);background:#f3f4fb;border-radius:0 18px 18px 0;font-size:20px;font-style:italic;color:#35384d}
.prose figure{margin:2em 0}
.prose figure img{width:100%;border-radius:20px}
.prose figcaption{font-size:14px;color:var(--muted);text-align:center;margin-top:10px}
.prose a{color:var(--indigo);text-decoration:underline;text-underline-offset:3px}
.prose hr{border:0;border-top:1px solid var(--line);margin:2.4em 0}
.prose.legal{font-size:17px;line-height:1.75}
.prose.legal h2{font-size:24px;margin:1.8em 0 .5em}
.share{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:48px;padding-top:26px;border-top:1px solid var(--line)}
.share>span{font-weight:700;margin-right:6px}
.sh{display:inline-flex;gap:8px;align-items:center;padding:9px 16px;border-radius:980px;border:1px solid var(--line);background:#fff;font-size:14px;font-weight:600;transition:.3s var(--ease)}
.sh:hover{transform:translateY(-2px);background:var(--ink);color:#fff}
.sh svg{width:16px;height:16px}

/* ---------- team ---------- */
.cards.team{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.person{padding:16px 16px 32px;text-align:center}
.portrait{position:relative;aspect-ratio:1/1;border-radius:22px;overflow:hidden;background:var(--g);display:grid;place-items:center;margin-bottom:24px}
.portrait img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 22%;transition:transform .9s var(--ease)}
.person:hover .portrait img{transform:scale(1.06)}
.portrait::after{content:"";position:absolute;inset:0;border-radius:22px;box-shadow:inset 0 0 0 1px rgba(255,255,255,.14);pointer-events:none}
.portrait .ini{color:#fff;font-size:56px;font-weight:800;letter-spacing:-.04em}
.person h3,.person .role,.person p{padding:0 14px}
.person .role{margin:4px 0 12px}

/* ---------- accreditation ---------- */
.acc-hero{text-align:left;padding-bottom:80px}
.acc-hero .lead{margin:0;max-width:640px;text-align:left}
.acc-grid{display:grid;grid-template-columns:1.25fr .85fr;gap:50px;align-items:center}
@media(max-width:900px){.acc-grid{grid-template-columns:1fr}.seal{max-width:300px;margin:0 auto}}
.seal svg{width:100%;height:auto;filter:drop-shadow(0 0 40px rgba(155,92,255,.35))}
.seal .spin{transform-box:view-box;transform-origin:150px 150px;animation:spin 70s linear infinite}
.dcard{background:linear-gradient(160deg,#10142e,#1a1f45);color:#fff;border:1px solid rgba(255,255,255,.08)}
.dcard p{color:rgba(255,255,255,.7)}
.dcard .ring{width:54px;height:54px;border-radius:50%;border:1.5px solid transparent;background:linear-gradient(#10142e,#10142e) padding-box,var(--grad) border-box;display:grid;place-items:center;font-size:20px;font-weight:700;margin-bottom:24px;color:#fff}
.gateway{margin-top:34px;padding:clamp(34px,5vw,60px);border-radius:34px;background:linear-gradient(135deg,#141850,#3a1b86 55%,#8a2a8a);color:#fff;position:relative;overflow:hidden}
.gateway::after{content:"";position:absolute;right:-80px;top:-100px;width:340px;height:340px;border-radius:50%;background:var(--pink);filter:blur(100px);opacity:.35}
.gateway>*{position:relative;z-index:1}
.gateway p{margin-top:16px;font-size:clamp(17px,1.8vw,21px);opacity:.86;max-width:780px}
.mq{overflow:hidden;margin-top:26px;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.mq-track{display:flex;gap:18px;width:max-content;animation:mq 45s linear infinite}
.mq:hover .mq-track{animation-play-state:paused}
@keyframes mq{to{transform:translateX(calc(-50% - 9px))}}
.mq-card{flex:0 0 auto;min-width:270px;padding:24px 28px;border-radius:22px;background:#fff;border:1px solid var(--line);text-align:center;box-shadow:0 14px 34px -26px rgba(40,40,120,.5)}
.mq-card small{display:inline-block;font-size:11.5px;font-weight:700;letter-spacing:.14em;color:var(--indigo);margin-bottom:8px}
.mq-card b{display:block;font-size:18px;letter-spacing:-.01em}
.crit{display:grid;grid-template-columns:repeat(var(--n),1fr);gap:38px}
@media(max-width:900px){.crit{grid-template-columns:1fr;gap:46px}}
.crit-card{position:relative;padding:34px 30px;border-radius:26px;background:linear-gradient(160deg,rgba(255,255,255,.09),rgba(255,255,255,.03));border:1px solid rgba(255,255,255,.14);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px)}
.crit-card small{font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;font-weight:700;background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.crit-card b{display:block;margin:18px 0 12px;font-size:clamp(34px,4vw,50px);letter-spacing:-.035em;font-weight:800;font-style:italic}
.crit-card p{color:rgba(255,255,255,.68);font-size:15.5px}
.crit-card .or{position:absolute;right:-41px;top:50%;transform:translateY(-50%);width:44px;height:44px;border-radius:50%;background:var(--dark);border:1px solid rgba(255,255,255,.2);display:grid;place-items:center;font-size:11px;font-weight:700;letter-spacing:.08em;color:var(--amber);z-index:2}
@media(max-width:900px){.crit-card .or{right:auto;left:50%;top:auto;bottom:-45px;transform:translateX(-50%)}}
.acc-steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.acc-step{padding:34px 30px;border-radius:28px;background:#fff;border:1px solid var(--line);transition:transform .5s var(--ease),box-shadow .5s var(--ease)}
.acc-step:hover{transform:translateY(-8px);box-shadow:0 30px 60px -28px rgba(40,40,120,.35)}
.acc-step .num{display:block;font-size:64px;font-weight:800;letter-spacing:-.05em;line-height:1;margin-bottom:18px;background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.acc-step h3{margin-bottom:10px}
.acc-step p{color:var(--muted)}
.apply{display:grid;grid-template-columns:1fr 1.1fr;gap:40px;padding:clamp(28px,5vw,56px);border-radius:40px;background:linear-gradient(135deg,#0c0e24,#161a46 60%,#2a1b72);color:#fff;position:relative;overflow:hidden;align-items:start}
@media(max-width:900px){.apply{grid-template-columns:1fr}}
.apply-l p{margin-top:12px;color:rgba(255,255,255,.74)}
.apply .form{background:#fff;color:var(--ink)}

/* ---- v3: top holdings, dynamic forms, logo ---- */
.holdings{margin:0 0 26px}
.holdings h4{font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 12px}
.hold-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:10px}
.hold{display:flex;align-items:center;gap:12px;background:#f4f5fb;border-radius:16px;padding:10px 12px;min-width:0}
.hold b{font-size:14px;line-height:1.25;letter-spacing:-.01em;overflow-wrap:anywhere}
.hold-logo{position:relative;flex:none;width:44px;height:44px;border-radius:12px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;overflow:hidden}
.hold-logo em{font-style:normal;font-weight:800;font-size:15px;color:var(--indigo)}
.hold-logo img{position:absolute;inset:0;width:100%;height:100%;object-fit:contain;padding:7px;background:#fff}
.hold-logos{grid-template-columns:repeat(auto-fill,minmax(64px,64px))}
.hold-logos .hold{padding:8px;justify-content:center;background:transparent;padding:0}
.hold-logos .hold-logo{width:60px;height:60px;border-radius:16px}
.hold-names{grid-template-columns:repeat(auto-fill,minmax(130px,1fr))}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}