@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@600;700;800&display=swap');
:root{--sky:#13b7ef;--cyan:#06a1d9;--deep:#052f49;--blue:#075e8d;--ink:#16364b;--muted:#667f91;--paper:#f6fbfe;--white:#fff;--line:#dceef6;--shadow:0 22px 70px rgba(2,54,82,.12)}
* {box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:"DM Sans",sans-serif;line-height:1.75}h1,h2,h3,h4,h5,h6{font-family:Manrope,sans-serif;font-weight:800;letter-spacing:-.025em}a{text-decoration:none}.top-strip{background:#03283f;color:#d8f5ff;font-size:12px}.top-strip .container{min-height:36px}.navbar{background:rgba(255,255,255,.94);backdrop-filter:blur(18px);border-bottom:1px solid rgba(220,238,246,.9);z-index:1000}.brand-icon{width:48px;height:48px;border-radius:15px;background:linear-gradient(145deg,#14c4f4,#075b87);box-shadow:0 10px 25px #0a8fbe33;color:white;display:grid;place-items:center;font-weight:800}.brand-name{font-family:Manrope;font-weight:800;color:var(--deep);line-height:1.05}.brand-name small{display:block;font:600 10px "DM Sans";color:#7690a1;letter-spacing:.04em;margin-top:4px}.nav-link{color:#25465a!important;font-weight:700;font-size:14px;padding:1.4rem .75rem!important}.nav-link:hover,.nav-link.active{color:var(--cyan)!important}.btn-sky{background:linear-gradient(135deg,#16b9ef,#087bb3);border:0;color:#fff;box-shadow:0 12px 28px #079bd933}.btn-sky:hover{color:#fff;transform:translateY(-2px)}.btn-outline-sky{border:1px solid #9bdcf3;color:#0877aa}.btn-outline-sky:hover{background:#e8f8fd;color:#075c83}.hero{position:relative}.hero .carousel-item{height:520px;background-position:center;background-size:cover;position:relative}.hero .carousel-item:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg, rgb(2 29 45 / 21%) 0%, rgb(4 41 60 / 36%) 44%, rgb(2 36 55 / 0%) 100%)}.hero-inner{position:relative;z-index:2;height:100%;display:flex;align-items:center}.hero-copy{max-width:820px;color:#fff;padding-top:45px}.pill{display:inline-flex;align-items:center;gap:8px;padding:7px 13px;border-radius:99px;background:rgba(16,185,235,.14);border:1px solid rgba(168,236,255,.3);color:#d8f7ff;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.13em}.hero h1{font-size:clamp(3.1rem,6vw,3.7rem);line-height:1.1margin:20px 0 22px}.hero p{font-size:18px;max-width:700px;color:#d8ebf4}.hero-meta{display:flex;gap:28px;flex-wrap:wrap;margin-top:28px;font-size:12px;color:#c7e2ee}.hero-meta strong{display:block;color:#fff;font-size:22px;font-family:Manrope}.section{padding:100px 0}.section-sm{padding:70px 0}.kicker{color:#0787bb;text-transform:uppercase;font-weight:800;font-size:11px;letter-spacing:.16em}.title{font-size:clamp(2rem,4vw,3.6rem);color:var(--deep);line-height:1.08;margin:.6rem 0 1rem}.lead-muted{color:var(--muted);font-size:17px}.glass{background:rgba(255,255,255,.76);border:1px solid #fff;border-radius:28px;box-shadow:var(--shadow);backdrop-filter:blur(12px)}.feature-card{height:100%;background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;box-shadow:0 10px 35px rgba(4,67,96,.06);transition:.3s}.feature-card:hover{transform:translateY(-7px);box-shadow:var(--shadow)}.icon{width:54px;height:54px;border-radius:17px;background:linear-gradient(135deg,#e5f9ff,#d8f3fc);color:#087cac;display:grid;place-items:center;font-weight:900;margin-bottom:22px}.metric{padding:30px;border-radius:24px;background:#fff;border:1px solid var(--line)}.metric b{font:800 42px Manrope;color:var(--deep);display:block}.metric span{color:var(--muted);font-size:13px}.scheme-card{position:relative;overflow:hidden;height:100%;padding:34px;background:#fff;border:1px solid var(--line);border-radius:28px;transition:.3s}.scheme-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}.scheme-card .num{position:absolute;right:22px;top:17px;font:800 60px Manrope;color:#e8f7fc}.scheme-card>*{position:relative}.tag{display:inline-block;border-radius:30px;background:#e8f8fd;color:#087bab;padding:5px 10px;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.08em}.dark-section{background:radial-gradient(circle at 85% 20%,#0878a5 0,#053b5b 38%,#03283e 80%);color:#fff}.dark-section .title{color:#fff}.dark-section .lead-muted{color:#c5dfeb}.dark-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.13);border-radius:24px;padding:28px;height:100%;backdrop-filter:blur(10px)}.dark-card p{color:#b8d3df}.process{position:relative}.process:before{content:"";position:absolute;left:23px;top:48px;bottom:40px;width:2px;background:#b8e6f5}.step{position:relative;padding-left:72px;margin-bottom:38px}.step-dot{position:absolute;left:0;top:0;width:48px;height:48px;border-radius:50%;display:grid;place-items:center;background:#fff;border:5px solid #d9f5fc;color:#0783b5;font-weight:900;box-shadow:0 8px 20px #0b719522}.page-hero{padding:95px 0 85px;background:linear-gradient(135deg,#e7f8fd 0,#fff 65%);position:relative;overflow:hidden}.page-hero:after{content:"";position:absolute;width:500px;height:500px;border-radius:50%;background:#11b6ed1a;right:-180px;top:-260px}.page-hero h1{font-size:clamp(2.8rem,5vw,3.5rem);color:var(--deep);line-height:1.1}.breadcrumb a{color:#087bab}.info-box{border:1px solid var(--line);background:#fff;border-radius:22px;padding:26px}.callout{background:#e9f8fd;border:1px solid #bfeaf8;border-left:5px solid #10aede;border-radius:14px;padding:20px}.table-card{border:1px solid var(--line);border-radius:22px;overflow:hidden;background:#fff}.table thead th{background:#e9f8fd;color:#075677;border:0;padding:17px}.table td{padding:16px;border-color:#edf4f7}.check-list{list-style:none;padding:0}.check-list li{padding:10px 0 10px 30px;position:relative;color:#536d7d}.check-list li:before{content:"✓";position:absolute;left:0;top:8px;width:20px;height:20px;border-radius:50%;display:grid;place-items:center;background:#dcf6fd;color:#0782b0;font-weight:900;font-size:12px}.gallery-card{height:280px;border-radius:24px;overflow:hidden;position:relative}.gallery-card img{width:100%;height:100%;object-fit:cover;transition:.5s}.gallery-card:hover img{transform:scale(1.06)}.gallery-card .caption{position:absolute;bottom:0;left:0;right:0;padding:28px 20px 18px;color:#fff;background:linear-gradient(transparent,#062e47)}.footer{background:#032a40;color:#a9cad8}.footer h5{color:#fff}.footer a{color:#a9cad8;display:block;margin:7px 0;font-size:13px}.footer a:hover{color:#fff}.footer-bottom{border-top:1px solid #ffffff18;font-size:12px}.floating-help{position:fixed;right:22px;bottom:22px;z-index:999;width:54px;height:54px;border-radius:50%;display:grid;place-items:center;background:#087fb5;color:#fff;box-shadow:0 12px 30px #00658d55}.reveal{opacity:0;transform:translateY(18px);transition:.7s}.reveal.show{opacity:1;transform:none}@media(max-width:991px){.nav-link{padding:.65rem 0!important}.hero .carousel-item{height:680px}.hero-copy{padding-top:30px}.section{padding:75px 0}}@media(max-width:575px){.hero .carousel-item{height:680px}.hero h1{font-size:3rem}.hero p{font-size:16px}.section{padding:65px 0}.metric b{font-size:32px}}

.brand-name {font-size:18px !important;text-transform: uppercase;}

.container {min-width:1230px !important;}

/* ===== PREMIUM V2 ENHANCEMENTS ===== */
:root{--sky:#38bdf8;--sky2:#0ea5e9;--navy:#071a33;--shadow-xl:0 30px 80px rgba(7,26,51,.16)}
html{scroll-behavior:smooth}body{background:linear-gradient(180deg,#f7fbff 0%,#fff 38%,#f5faff 100%)}
.navbar{backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);box-shadow:0 8px 30px rgba(7,26,51,.08)!important}.navbar .nav-link{position:relative;font-weight:700;transition:.25s}.navbar .nav-link:after{content:"";position:absolute;left:12px;right:12px;bottom:3px;height:2px;background:linear-gradient(90deg,var(--sky),var(--sky2));transform:scaleX(0);transform-origin:left;transition:.25s}.navbar .nav-link:hover:after,.navbar .nav-link.active:after{transform:scaleX(1)}
.hero,.page-hero{position:relative;overflow:hidden}.hero:before,.page-hero:before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;right:-180px;top:-220px;background:radial-gradient(circle,rgba(56,189,248,.28),transparent 68%);pointer-events:none}.hero:after{content:"";position:absolute;width:360px;height:360px;border-radius:50%;left:-170px;bottom:-190px;background:radial-gradient(circle,rgba(14,165,233,.18),transparent 68%);pointer-events:none}.hero .carousel-item img{filter:saturate(1.08) contrast(1.04)}.hero .carousel-caption h1,.hero .carousel-caption h2{text-shadow:0 8px 35px rgba(0,0,0,.32);letter-spacing:-.035em}
.btn{border-radius:14px!important;font-weight:800;transition:transform .2s ease,box-shadow .2s ease}.btn:hover{transform:translateY(-2px);box-shadow:0 14px 28px rgba(14,165,233,.18)}
.card,.feature-card,.scheme-card,.stat-card{border:1px solid rgba(14,165,233,.11)!important;box-shadow:0 15px 45px rgba(7,26,51,.07);transition:transform .3s ease,box-shadow .3s ease,border-color .3s ease}.card:hover,.feature-card:hover,.scheme-card:hover,.stat-card:hover{transform:translateY(-7px);box-shadow:var(--shadow-xl);border-color:rgba(14,165,233,.28)!important}.section-title{letter-spacing:-.035em}.section-title:after{content:"";display:block;width:58px;height:4px;margin-top:13px;border-radius:10px;background:linear-gradient(90deg,var(--sky),var(--sky2))}.badge,.pill{border-radius:999px!important;padding:.55rem .85rem!important}
.dark-section{background:linear-gradient(135deg,#06172d,#0b2e55 58%,#0b416d)!important;position:relative;overflow:hidden}.dark-section:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:34px 34px}.counter{font-variant-numeric:tabular-nums;letter-spacing:-.04em}.icon-box{width:58px;height:58px;display:grid;place-items:center;border-radius:18px;background:linear-gradient(135deg,rgba(56,189,248,.18),rgba(14,165,233,.07));color:#0284c7;border:1px solid rgba(14,165,233,.16);box-shadow:inset 0 1px 0 rgba(255,255,255,.8)}
.table{border-radius:18px;overflow:hidden;box-shadow:0 12px 38px rgba(7,26,51,.06)}.table thead th{background:#082b50!important;color:#fff;border:0;padding:16px}.table td{padding:15px;border-color:#e7f2fb}.form-control,.form-select{border-radius:13px!important;border-color:#d7e8f5!important;padding:.8rem 1rem}.form-control:focus,.form-select:focus{border-color:#38bdf8!important;box-shadow:0 0 0 .25rem rgba(56,189,248,.14)!important}footer{background:linear-gradient(135deg,#041225,#082b50)!important}footer a{transition:.2s}footer a:hover{color:#7dd3fc!important;padding-left:3px}.scroll-top{width:48px!important;height:48px!important;border-radius:16px!important;box-shadow:0 12px 30px rgba(0,0,0,.2)}
@media(max-width:991.98px) { .navbar-brand img {width: 150px !important;} .container {min-width:100% !important;} .brand-name {font-size: 17px !important;} .navbar-collapse{background:rgba(255,255,255,.97);padding:14px;border-radius:18px;box-shadow:0 20px 50px rgba(7,26,51,.12);margin-top:10px}.navbar .nav-link:after{left:0;right:auto;width:35px}}@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important;animation:none!important}}

/* Home V3 long-form sections */
.accordion-item{background:transparent;border-color:rgba(14,165,233,.12)}
.accordion-button{font-weight:800;background:#fff;padding:1.25rem 1rem;border-radius:14px!important;margin:.35rem 0;box-shadow:0 8px 25px rgba(7,26,51,.04)}
.accordion-button:not(.collapsed){color:#075985;background:#eef9ff;box-shadow:none}
.accordion-button:focus{box-shadow:0 0 0 .2rem rgba(56,189,248,.12)}
.dark-card{border:1px solid rgba(125,211,252,.16);border-radius:22px;padding:1.5rem;background:rgba(255,255,255,.07);height:100%;box-shadow:inset 0 1px 0 rgba(255,255,255,.05)}
.checklist strong{color:#38bdf8;font-size:1.1rem}

    @media(min-width:991.98px) { .navbar-brand img {width:161px !important;}  }
    /* Dropdown hover par open */
    .dropdown:hover > .dropdown-menu {
      display: block;
    }

    /* Nested dropdown */
    .dropdown-submenu {
      position: relative;
      padding: 14px 0 15px 0;
      
    }

    .dropdown-submenu > .dropdown-menu {
      left: 10px;
      top: 56px;
      margin-left: 0;
      text-align:left;
      display: none;
      border-color: #0000ff29;
    }
    .dropdown-item 
    {
      font-weight: 600;
      padding: 5px 12px 3px 15px;
      color: #1e3d50;
      font-size: 14px;
    }
    .dropdown-submenu:hover > .dropdown-menu {
      display: block;
      margin-top: 5px;
    }

    .btn {padding: 12px 25px;}
    
    .footer img {width:161px !important;padding-bottom: 10px;}