:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --ink: #102038;
  --muted: #6e7b8d;
  --teal: #149b99;
  --teal-dark: #0f7f85;
  --navy: #132846;
  --line: #e5ebf3;
  --radius: 20px;
  --shadow: 0 14px 32px rgba(16, 32, 56, 0.08);
}

* {
  box-sizing: border-box;
}

html,
body {
  margin: 0;
  padding: 0;
  font-family: "Plus Jakarta Sans", sans-serif;
  color: var(--ink);
  background: var(--surface);
  scroll-behavior: smooth;
}

h1,
h2,
h3,
h4 {
  margin: 0;
  font-family: "Cormorant Garamond", serif;
  letter-spacing: -0.01em;
  line-height: 1.05;
}

p {
  margin: 0;
  color: var(--muted);
  line-height: 1.65;
}

a {
  color: inherit;
  text-decoration: none;
}

.container {
  width: min(1160px, 92%);
  margin: 0 auto;
}

.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(10px);
  box-shadow: 0 2px 14px rgba(10, 31, 68, 0.08);
  padding: 14px 0;
  transition: all 0.5s ease-in-out;
}

.topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.brand {
  position: relative;
  z-index: 50;
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 600;
  font-size: 32px;
  letter-spacing: -0.02em;
  color: #0a1f44;
}

.brand-badge {
  width: 32px;
  height: 32px;
  border-radius: 4px;
  display: grid;
  place-items: center;
  color: #fff;
  background: #1f3f69;
  font-family: "Cormorant Garamond", serif;
  font-size: 22px;
  transition: background-color 0.3s ease;
}

.brand:hover .brand-badge {
  background: #149b99;
}

.nav {
  display: none;
  align-items: center;
  gap: 32px;
}

.nav-link {
  position: relative;
  font-size: 14px;
  font-weight: 500;
  color: #4a5568;
  transition: color 0.3s ease;
}

.nav-link:hover,
.nav-link.active {
  color: #149b99;
}

.nav-link::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -4px;
  width: 0;
  height: 2px;
  background: rgba(20, 155, 153, 0.5);
  transition: width 0.3s ease;
}

.nav-link:hover::after {
  width: 100%;
}

.nav-link.active::after {
  width: 100%;
  background: #149b99;
}

.nav-contact {
  padding: 10px 20px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 500;
  color: #fff;
  background: #1f3f69;
  transition: all 0.3s ease;
}

.nav-contact:hover {
  background: #149b99;
  box-shadow: 0 0 15px rgba(26, 147, 145, 0.3);
  transform: scale(1.05);
}

.nav-contact.active {
  background: #149b99;
}

.menu-toggle {
  position: relative;
  z-index: 50;
  padding: 8px;
  margin-right: -8px;
  color: #0a1f44;
  border: 0;
  background: transparent;
}

.menu-toggle svg {
  width: 24px;
  height: 24px;
}

@media (min-width: 1024px) {
  .nav {
    display: flex;
  }

  .menu-toggle {
    display: none;
  }
}

.btn {
  border: 0;
  border-radius: 999px;
  padding: 12px 24px;
  font-weight: 600;
  cursor: pointer;
}

.btn-primary {
  background: var(--navy);
  color: #fff;
}

.btn-teal {
  background: var(--teal);
  color: #fff;
}

.hero {
  background: linear-gradient(180deg, #eef3fa 0%, #f9fbff 74%);
  padding: 88px 0 70px;
}

.hero-main {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: 84px;
}

.hero-main-bg,
.hero-main-grid,
.hero-main-glow {
  position: absolute;
  inset: 0;
}

.hero-main-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.36;
  mix-blend-mode: luminosity;
}

.hero-main-overlay-right {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, #f6f9fd 0%, rgba(246, 249, 253, 0.92) 52%, rgba(20, 155, 153, 0.14) 100%);
}

.hero-main-overlay-bottom {
  position: absolute;
  inset: 0;
  background: linear-gradient(0deg, #f8fbff 0%, rgba(248, 251, 255, 0) 42%);
}

.hero-main-glow {
  pointer-events: none;
}

.hero-main-glow-top {
  width: 800px;
  height: 800px;
  left: auto;
  right: -260px;
  top: -190px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(178, 212, 240, 0.7), rgba(178, 212, 240, 0.15), transparent 66%);
  filter: blur(16px);
}

.hero-main-glow-bottom {
  width: 600px;
  height: 600px;
  top: auto;
  bottom: -180px;
  left: -220px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(20, 155, 153, 0.24), rgba(20, 155, 153, 0.08), transparent 66%);
  filter: blur(14px);
}

.hero-main-grid {
  pointer-events: none;
  background-image: linear-gradient(to right, rgba(128, 128, 128, 0.06) 1px, transparent 1px),
    linear-gradient(to bottom, rgba(128, 128, 128, 0.06) 1px, transparent 1px);
  background-size: 24px 24px;
}

.hero-main-content {
  position: relative;
  z-index: 2;

  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 70px;
  align-items: center;
  padding: 28px 0 34px;
}

.hero-main-copy h1 {
  font-size: clamp(56px, 6.4vw, 104px);
  line-height: 0.93;
  margin-bottom: 16px;
  color: #0c1f3e;
  letter-spacing: -0.02em;
}

.hero-main-copy h1 span {
  color: transparent;
  background: linear-gradient(90deg, #149b99, #4277a9);
  background-clip: text;
}

.hero-main-copy p {
  font-size: 20px;
  max-width: 700px;
  margin-bottom: 28px;
  color: #4d5d73;
  font-family: "Plus Jakarta Sans", sans-serif;
  line-height: 1.45;
}

.hero-main-copy p.hero-main-subtext {
  font-size: 20px;
  font-family: "Plus Jakarta Sans", sans-serif;
  line-height: 1.45;
  font-weight: 400;
  max-width: 640px;
  margin-bottom: 28px;
}

.hero-main-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.hero-main-ghost {
  background: #fff;
  color: #132846;
  border: 1px solid #dce4ee;
  box-shadow: 0 2px 6px rgba(15, 34, 63, 0.04);
}

.hero-main-ghost:hover {
  border-color: #149b99;
  color: #149b99;
}

.hero-main-metrics {
  margin-top: 34px;
  padding-top: 22px;
  border-top: 1px solid rgba(170, 183, 201, 0.5);
  display: flex;
  align-items: center;
  gap: 24px;
  max-width: 500px;
}

.hero-main-divider {
  width: 1px;
  height: 42px;
  background: #d6dfe9;
}

.hero-main-metrics .metric p {
  margin-bottom: 0;
  margin-top: 2px;
  font-size: 11px;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  font-weight: 600;
  color: #526073;
}

.hero-main-visual {
  position: relative;
  min-height: 560px;
}

.hero-main-panel-wrap {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 420px;
  max-width: 100%;
}

.hero-main-floating {
  position: absolute;
  top: 90px;
  right: 40px;
  width: 160px;
  height: 160px;
  background: linear-gradient(140deg, #149b99, #3d6d96);
  border-radius: 50%;
  filter: blur(42px);
  opacity: 0.28;
}

.hero-main-floating-alt {
  top: auto;
  right: auto;
  left: 30px;
  bottom: 120px;
  width: 190px;
  height: 190px;
  background: linear-gradient(140deg, #84cfce, #c1d3e6);
  opacity: 0.42;
}

.hero-main-panel {
  width: 100%;
  border-radius: 40px;
  border: 1px solid rgba(255, 255, 255, 0.85);
  background: linear-gradient(180deg, rgba(244, 248, 251, 0.95), rgba(233, 240, 245, 0.95));
  box-shadow: 0 20px 60px -15px rgba(10, 31, 68, 0.16);
  padding: 40px 40px 46px;
}

.hero-main-icon {
  width: 56px;
  height: 56px;
  border-radius: 20px;
  background: #e6f0f9;
  display: grid;
  place-items: center;
  margin-bottom: 32px;
  color: #1a9391;
  border: 1px solid rgba(255, 255, 255, 0.7);
  box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.05);
}

.hero-main-icon svg {
  width: 28px;
  height: 28px;
}

.hero-main-panel h3 {
  font-size: 52px;
  color: #0a1f44;
  line-height: 0.97;
  letter-spacing: -0.01em;
}

.hero-main-panel p {
  color: #4a5568;
  font-size: 18px;
  margin: 10px 0 30px;
  font-family: "Plus Jakarta Sans", sans-serif;
}

.hero-main-panel p.hero-main-card-subtext {
  font-size: 18px;
  font-family: "Plus Jakarta Sans", sans-serif;
  line-height: 1.45;
  margin: 12px 0 62px;
}

.hero-main-bars {
  display: grid;
  gap: 14px;
}

.hero-main-bars div {
  height: 10px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.62);
  overflow: hidden;
  box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.06);
}

.hero-main-bars span {
  display: block;
  height: 100%;
  border-radius: inherit;
  background: linear-gradient(90deg, #149b99, #0a1f44);
}

.hero-main-bars div:nth-child(2) span {
  background: linear-gradient(90deg, #4db0b0, #5a7b9c);
}

.hero-main-bars div:nth-child(3) span {
  background: linear-gradient(90deg, #80caca, #9facb8);
}

.hero-main-badge {
  position: absolute;
  top: 20px;
  right: -48px;
  border-radius: 18px;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  gap: 20px;
  background: rgba(255, 255, 255, 0.95);
  border: 1px solid rgba(241, 245, 250, 0.95);
  box-shadow: 0 15px 35px -5px rgba(0, 0, 0, 0.08);
  z-index: 30;
  animation: heroBadgeIn 0.85s cubic-bezier(0.22, 1, 0.36, 1) 0.2s both;
  transition: transform 0.3s ease;
}

.hero-main-badge:hover {
  animation: heroBadgeBob 1s ease-in-out infinite alternate;
}

@keyframes heroBadgeIn {
  from {
    opacity: 0;
    transform: translateX(64px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes heroBadgeBob {
  from {
    transform: translateY(-2px);
  }
  to {
    transform: translateY(2px);
  }
}

.hero-main-badge-icon {
  width: 48px;
  height: 48px;
  border-radius: 999px;
  background: #ebf4f8;
  color: #1a9391;
  display: grid;
  place-items: center;
}

.hero-main-badge-icon svg {
  width: 24px;
  height: 24px;
}

.hero-main-badge strong {
  display: block;
  font-size: 18px;
  font-family: "Plus Jakarta Sans", sans-serif;
}

.hero-main-badge strong.hero-main-badge-title {
  font-size: 18px;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 700;
  line-height: 1;
  color: #0a1f44;
  margin-bottom: 8px;
}

.hero-main-badge p {
  margin: 0;
  font-size: 16px;
  font-family: "Plus Jakarta Sans", sans-serif;
}

.hero-main-badge p.hero-main-badge-subtitle {
  font-size: 14px;
  font-family: "Plus Jakarta Sans", sans-serif;
  color: #4a5568;
  line-height: 1;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 34px;
  align-items: center;
}

.eyebrow {
  font-size: 11px;
  letter-spacing: 0.2em;
  color: var(--teal-dark);
  font-weight: 700;
  text-transform: uppercase;
}

.hero h1 {
  font-size: clamp(44px, 6vw, 72px);
  line-height: 0.94;
  margin: 14px 0;
}

.hero h1 .teal {
  color: var(--teal-dark);
}

.hero p {
  max-width: 600px;
 
}

.metric-row {
  display: flex;
  gap: 28px;
  margin-top: 36px;
}

.metric strong {
  display: block;
  font-family: "Cormorant Garamond", serif;
  font-size: 34px;
}

.card {
  background: var(--surface);
  border: 1px solid #e7edf5;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.hero-card {
  padding: 24px;
}

.bar {
  height: 8px;
  margin-top: 14px;
  border-radius: 999px;
  background: #d2deec;
}

.bar.fill {
  width: 72%;
  background: var(--navy);
}

.section {
  padding: 90px 0;
}

.section-title {
  text-align: center;
  margin-bottom: 24px;
}

.section-title h2 {
  font-size: clamp(34px, 4.5vw, 52px);
}

.section-title p {
  max-width: 720px;
  margin: 14px auto 0;
}

.grid-2 {
  display: grid;
  gap: 24px;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.grid-3 {
  display: grid;
  gap: 24px;
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid-4 {
  display: grid;
  gap: 20px;
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.service-card {
  padding: 30px;
}

.service-card h3 {
  font-size: 30px;
  margin: 10px 0 10px;
}

.core-solutions-head {
  max-width: 760px;
  margin: 0 auto 52px;
  text-align: center;
}

.core-solutions-head h2 {
  font-size: 30px;
  margin-bottom: 24px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  color: #0a1f44;
}

.core-solutions-head p {
  font-size: 18px;
  line-height: 1.7;
  color: #4e5e73;
  margin: 0 auto;
}

.core-solutions-grid {
  gap: 32px;
}

.core-card {
  position: relative;
  border-radius: 18px;
  padding: 40px;
  background: #fff;
  border: 1px solid #edf2f8;
  box-shadow: 0 10px 40px -10px rgba(10, 31, 68, 0.08);
  overflow: hidden;
  transition: box-shadow 0.5s ease, transform 0.5s ease;
}

.core-card:hover {
  box-shadow: 0 20px 60px -15px rgba(10, 31, 68, 0.12);
  transform: translateY(-2px);
}

.core-card-glow {
  position: absolute;
  top: -80px;
  right: -80px;
  width: 256px;
  height: 256px;
  border-radius: 999px;
  background: #dce9f7;
  filter: blur(36px);
  transition: transform 0.7s ease;
}

.core-card:hover .core-card-glow {
  transform: scale(1.5);
}

.core-card-alt .core-card-glow {
  background: rgba(20, 155, 153, 0.12);
}

.core-card-content {
  position: relative;
  z-index: 1;
}

.core-icon {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  margin-bottom: 28px;
  display: grid;
  place-items: center;
  color: #406c9a;
  background: #deebf8;
  transition: background-color 0.5s ease, color 0.5s ease;
}

.core-card-alt .core-icon {
  color: #149b99;
  background: rgba(20, 155, 153, 0.2);
}

.core-icon svg {
  width: 32px;
  height: 32px;
}

.core-card:hover .core-icon {
  background: #406c9a;
  color: #fff;
}

.core-card-alt:hover .core-icon {
  background: #149b99;
}

.core-card h3 {
  font-size: 40px;
  margin-bottom: 14px;
  color: #132846;
}

.core-card p {
  min-height: 88px;
  margin-bottom: 28px;
  color: #4e5e73;
}

.core-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 22px;
  border-radius: 999px;
  border: 1px solid #dce4ee;
  background: #fff;
  color: #132846;
  font-weight: 500;
  transition: all 0.3s ease;
}

.core-cta svg {
  width: 16px;
  height: 16px;
}

.core-card:hover .core-cta {
  background: #406c9a;
  color: #fff;
  border-color: #406c9a;
}

.core-card-alt:hover .core-cta {
  background: #149b99;
  border-color: #149b99;
}

.chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border-radius: 999px;
  padding: 8px 14px;
  background: #e8f5f4;
  color: #1b5d61;
  font-size: 12px;
}

.teal-band {
  background: linear-gradient(120deg, #0e8f95, #19a5a3);
  color: #ecfeff;
}

.teal-band p {
  color: #d8f4f2;
}

.teal-panel {
  padding: 30px;
  border-radius: var(--radius);
  border: 1px solid rgba(255, 255, 255, 0.25);
  background: rgba(255, 255, 255, 0.14);
}

.check-list {
  display: grid;
  gap: 14px;
}

.check-item {
  background: rgba(255, 255, 255, 0.24);
  border-radius: 14px;
  padding: 14px 18px;
}

.standards-section {
  position: relative;
  overflow: hidden;
  color: #fff;
  background: #149b99;
}

.standards-overlay {
  position: absolute;
  inset: 0;
  opacity: 0.2;
  background: radial-gradient(circle at center, rgba(255, 255, 255, 0.75), rgba(255, 255, 255, 0.15), transparent 62%);
}

.standards-content {
  position: relative;
  z-index: 1;
}

.standards-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.2);
  border: 1px solid rgba(255, 255, 255, 0.3);
  font-size: 14px;
  font-weight: 500;
  margin-bottom: 32px;
  color: #fff;
}

.standards-pill svg {
  width: 16px;
  height: 16px;
}

.standards-section h2 {
  font-size: 30px;
  margin-bottom: 24px;
}

.standards-section p {
  color: #b9ddea;
  font-size: 18px;
  line-height: 1.7;
  max-width: 620px;
  margin-bottom: 32px;
}

.standards-list {
  display: grid;
  gap: 24px;
}

.standards-item {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 24px;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.35;
  color: #fff;
  transition: background-color 0.25s ease;
}

.standards-item:hover {
  background: rgba(255, 255, 255, 0.2);
}

.standards-item span {
  width: 8px;
  height: 8px;
  border-radius: 999px;
  background: #fff;
  box-shadow: 0 0 10px rgba(255, 255, 255, 0.5);
  flex: 0 0 auto;
}

.growth-grid {
  align-items: center;
  gap: 64px;
}

.growth-image-wrap {
  order: 2;
  position: relative;
}

.growth-image-card {
  position: relative;
  width: 100%;
  aspect-ratio: 4 / 5;
  max-width: 420px;
  margin: 0 auto;
  border-radius: 32px;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.5);
  background: #fff;
  box-shadow: 0 24px 50px -18px rgba(10, 31, 68, 0.3);
}

.growth-image-frame {
  position: absolute;
  inset: -16px;
  border-radius: 40px;
  background: linear-gradient(40deg, #d7e8f7, rgba(20, 155, 153, 0.2));
  transform: rotate(3deg);
  opacity: 0.7;
  transition: transform 0.7s ease;
}

.growth-image-wrap:hover .growth-image-frame {
  transform: rotate(6deg);
}

.growth-image-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 1s ease;
}

.growth-image-wrap:hover .growth-image-card img {
  transform: scale(1.05);
}

.growth-image-shade {
  position: absolute;
  inset: 0;
  background: linear-gradient(0deg, rgba(10, 31, 68, 0.4), transparent 45%);
  mix-blend-mode: multiply;
}

.growth-copy h2 {
  font-size: 30px;
  margin-bottom: 32px;
  line-height: 1.1;
  color: #0a1f44;
}

.growth-copy p {
  color: #4e5e73;
  font-size: 20px;
  line-height: 1.65;
  max-width: 580px;
  margin-bottom: 40px;
}

.growth-gradient {
  color: transparent;
  background: linear-gradient(90deg, #149b99, #406c9a);
  background-clip: text;
}

.growth-link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 20px;
  font-weight: 500;
  color: #149b99;
  transition: color 0.25s ease;
}

.growth-link:hover {
  color: #406c9a;
}

.growth-link span {
  width: 32px;
  height: 1px;
  background: #149b99;
  transition: width 0.3s ease;
}

.growth-link:hover span {
  width: 48px;
}

.debt-hero {
  position: relative;
  overflow: hidden;
  color: #0a1f44;
  background: #e8f2f8;
  padding: 96px 0 80px;
}

@media (min-width: 1024px) {
  .debt-hero {
    padding: 128px 0;
  }
}

.debt-hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.debt-hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.5;
  mix-blend-mode: luminosity;
}

.debt-hero-overlay-right {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, #e8f2f8 0%, rgba(232, 242, 248, 0.8) 45%, transparent 100%);
}

.debt-hero-overlay-bottom {
  position: absolute;
  inset: 0;
  background: linear-gradient(0deg, #ffffff 0%, rgba(255, 255, 255, 0) 48%);
}

.debt-hero-blob {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
}

.debt-hero-blob::before {
  content: "";
  position: absolute;
  top: -120px;
  right: -120px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: #c8dde8;
  filter: blur(150px);
  opacity: 0.6;
  mix-blend-mode: multiply;
}

.debt-hero-inner {
  position: relative;
  z-index: 1;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .debt-hero-inner {
    padding: 0 48px;
  }
}

.debt-hero-copy {
  max-width: 896px;
}

.debt-hero-copy h1 {
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 1.15;
  margin: 0 0 32px;
}

.debt-hero-copy h1 span {
  color: #149b99;
}

.debt-hero-copy p {
  font-size: 20px;
  font-weight: 300;
  line-height: 1.65;
  color: #4a5568;
  max-width: 672px;
  margin: 0 0 40px;
}

.debt-hero-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 16px 32px;
  background: #149b99;
  color: #fff;
  font-weight: 600;
  font-size: 16px;
  border-radius: 999px;
  transition: background-color 0.3s ease, transform 0.3s ease;
}

.debt-hero-cta:hover {
  background: #1f3f69;
  transform: translateY(-4px);
}

@media (min-width: 768px) {
  .debt-hero-copy h1 {
    font-size: 48px;
  }
}

@media (min-width: 1024px) {
  .debt-hero-copy h1 {
    font-size: 72px;
  }
}

.challenges-section {
  position: relative;
  padding: 128px 0;
  background: #fff;
  overflow: hidden;
}

.challenges-blob {
  position: absolute;
  top: -80px;
  right: -80px;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: rgba(232, 242, 248, 0.3);
  filter: blur(100px);
  pointer-events: none;
}

.challenges-inner {
  position: relative;
  z-index: 1;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .challenges-inner {
    padding: 0 48px;
  }
}

.challenges-intro {
  text-align: center;
  margin-bottom: 80px;
}

.challenges-kicker {
  margin: 0 0 16px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #149b99;
}

.challenges-title {
  margin: 0;
  font-family: "Cormorant Garamond", serif;
  font-size: 30px;
  font-weight: 700;
  color: #0a1f44;
}

@media (min-width: 768px) {
  .challenges-title {
    font-size: 48px;
  }
}

.challenges-sub {
  max-width: 672px;
  margin: 24px auto 0;
  font-size: 18px;
  line-height: 1.65;
  color: #4a5568;
}

.challenges-grid {
  display: grid;
  gap: 32px;
  grid-template-columns: 1fr;
}

@media (min-width: 768px) {
  .challenges-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .challenges-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.challenge-card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 32px;
  overflow: hidden;
  border-radius: 40px;
  background: #fff;
  border: 1px solid #f3f4f6;
  box-shadow: 0 4px 20px -4px rgba(0, 0, 0, 0.03);
  transition: border-color 0.5s ease, box-shadow 0.5s ease;
}

@media (min-width: 768px) {
  .challenge-card {
    padding: 40px;
  }
}

.challenge-card:hover {
  border-color: #e5e7eb;
  box-shadow: 0 25px 50px -12px rgba(10, 31, 68, 0.12);
}

.challenge-card-glow {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, transparent, transparent, rgba(254, 242, 242, 0.4));
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.7s ease;
}

.challenge-card:hover .challenge-card-glow {
  opacity: 1;
}

.challenge-card-body {
  position: relative;
  z-index: 1;
}

.challenge-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  margin-bottom: 32px;
  border-radius: 16px;
  border: 1px solid #f3f4f6;
  background: #f9fafb;
  color: #4a5568;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.05);
  transition: transform 0.5s ease, background-color 0.5s ease, color 0.5s ease, border-color 0.5s ease;
}

.challenge-card:hover .challenge-icon {
  transform: scale(1.1);
  background: #fef2f2;
  color: #ef4444;
  border-color: #fecaca;
}

.challenge-card h3 {
  margin: 0;
  font-family: "Cormorant Garamond", serif;
  font-size: 20px;
  font-weight: 700;
  line-height: 1.35;
  color: #0a1f44;
}

.debt-quote-band {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 128px 24px;
  text-align: center;
  color: #fff;
  background: #149b99;
  overflow: hidden;
}

.debt-quote-band-gradient {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 0%, rgba(232, 242, 248, 0.2) 100%);
  pointer-events: none;
}

.debt-quote-band-inner {
  position: relative;
  z-index: 1;
  max-width: 896px;
}

.debt-quote-band-inner h2 {
  margin: 0 0 32px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  font-size: 30px;
  line-height: 1.15;
}

.debt-quote-accent {
  color: #b9ddea;
}

.debt-quote-break {
  display: none;
}

.debt-quote-band-inner p {
  margin: 0;
  font-size: 20px;
  font-weight: 300;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.8);
}

@media (min-width: 768px) {
  .debt-quote-band-inner h2 {
    font-size: 48px;
  }

  .debt-quote-break {
    display: block;
  }
}

@media (min-width: 1024px) {
  .debt-quote-band-inner h2 {
    font-size: 60px;
  }
}

.debt-solutions-section {
  position: relative;
  overflow: hidden;
  background: #f8fafc;
  padding: 128px 0;
}

.debt-solutions-divider {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, #e5e7eb, transparent);
}

.debt-solutions-head,
.debt-solutions-grid {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}

@media (min-width: 768px) {
  .debt-solutions-head,
  .debt-solutions-grid {
    padding: 0 48px;
  }
}

.debt-solutions-head {
  text-align: center;
  margin-bottom: 80px;
}

.debt-solutions-head .debt-solutions-kicker {
  margin: 0 0 16px;
  text-transform: uppercase;
  letter-spacing: 0.2em;
  font-size: 14px;
  font-weight: 700;
  color: #1a9391;
}

.debt-solutions-head h2 {
  margin: 0;
  font-size: 30px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  color: #0a1f44;
}

.debt-solutions-head > p {
  margin: 24px auto 0;
  max-width: 672px;
  font-size: 18px;
  color: #4a5568;
  line-height: 1.65;
}

.debt-solutions-grid {
  display: grid;
  gap: 32px;
  grid-template-columns: 1fr;
}

@media (min-width: 768px) {
  .debt-solutions-head h2 {
    font-size: 48px;
  }

  .debt-solutions-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .debt-solutions-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.debt-solution-card {
  position: relative;
  overflow: hidden;
  border-radius: 40px;
  background: #fff;
  border: 1px solid #f3f4f6;
  padding: 40px;
  box-shadow: 0 8px 30px -4px rgba(0, 0, 0, 0.04);
  transition: box-shadow 0.5s ease;
}

.debt-solution-card:hover {
  box-shadow: 0 30px 60px -15px rgba(10, 31, 68, 0.12);
}

.debt-solution-corner {
  position: absolute;
  top: 0;
  right: 0;
  width: 256px;
  height: 256px;
  border-bottom-left-radius: 999px;
  background: linear-gradient(225deg, #e9f0f5, transparent);
  opacity: 0;
  transform: scale(1);
  transition: opacity 0.7s ease, transform 0.7s ease;
  pointer-events: none;
}

.debt-solution-card:hover .debt-solution-corner {
  opacity: 1;
  transform: scale(1.25);
}

.debt-solution-body {
  position: relative;
  z-index: 1;
  height: 100%;
  display: flex;
  flex-direction: column;
}

.debt-solution-icon {
  width: 64px;
  height: 64px;
  border-radius: 20px;
  border: 1px solid rgba(255, 255, 255, 0.5);
  box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.06);
  background: #f0f5f9;
  color: #1a9391;
  display: grid;
  place-items: center;
  margin-bottom: 32px;
  transition: all 0.5s ease;
}

.debt-solution-card:hover .debt-solution-icon {
  background: #1a9391;
  color: #fff;
}

.debt-solution-card h3 {
  margin: 0 0 24px;
  font-family: "Cormorant Garamond", serif;
  font-size: 32px;
  font-weight: 700;
  color: #0a1f44;
  transition: color 0.3s ease;
}

.debt-solution-card:hover h3 {
  color: #1a9391;
}

.debt-solution-card ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 16px;
  flex: 1;
}

.debt-solution-card li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  font-size: 14px;
  color: #4a5568;
  line-height: 1.6;
}

.debt-solution-card li::before {
  content: "";
  margin-top: 8px;
  width: 6px;
  height: 6px;
  border-radius: 999px;
  background: rgba(26, 147, 145, 0.4);
  flex: 0 0 auto;
  transition: background-color 0.3s ease;
}

.debt-solution-card:hover li::before {
  background: #1a9391;
}

.debt-process-section {
  position: relative;
  padding: 128px 0;
  background: #fff;
}

.debt-process-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .debt-process-inner {
    padding: 0 48px;
  }
}

.debt-process-head {
  text-align: center;
  margin-bottom: 96px;
}

.debt-process-kicker {
  margin: 0 0 16px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #1a9391;
}

.debt-process-head h2 {
  margin: 0;
  font-family: "Cormorant Garamond", serif;
  font-size: 30px;
  font-weight: 700;
  color: #0a1f44;
}

@media (min-width: 768px) {
  .debt-process-head h2 {
    font-size: 48px;
  }
}

.debt-process-track {
  position: relative;
}

.debt-process-line {
  display: none;
}

@media (min-width: 1024px) {
  .debt-process-line {
    display: block;
    position: absolute;
    top: 100px;
    left: 10%;
    right: 10%;
    height: 2px;
    z-index: 0;
    background: linear-gradient(90deg, transparent, #e5e7eb, transparent);
  }
}

.debt-process-grid {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 40px;
  grid-template-columns: 1fr;
}

@media (min-width: 768px) {
  .debt-process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 40px;
  }
}

@media (min-width: 1024px) {
  .debt-process-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 32px;
  }
}

.debt-process-card {
  position: relative;
  padding: 32px;
  border-radius: 40px;
  background: #fff;
  border: 1px solid transparent;
  box-shadow: 0 4px 20px -4px rgba(0, 0, 0, 0.02);
  transition: background-color 0.5s ease, border-color 0.5s ease, box-shadow 0.5s ease;
}

@media (min-width: 1024px) {
  .debt-process-card {
    padding: 40px;
  }
}

.debt-process-card:hover {
  background: #f4f8fb;
  border-color: #f3f4f6;
  box-shadow: 0 20px 50px -10px rgba(10, 31, 68, 0.1);
}

.debt-process-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 40px;
}

.debt-process-num {
  font-family: "Cormorant Garamond", serif;
  font-size: 60px;
  font-weight: 700;
  line-height: 1;
  color: #e1e9f0;
  transition: color 0.5s ease;
}

.debt-process-card:hover .debt-process-num {
  color: rgba(26, 147, 145, 0.2);
}

.debt-process-icon {
  width: 48px;
  height: 48px;
  border-radius: 999px;
  display: grid;
  place-items: center;
  color: #1a9391;
  background: #fff;
  border: 1px solid #f3f4f6;
  transition: background-color 0.5s ease, color 0.5s ease, box-shadow 0.5s ease;
}

.debt-process-card:hover .debt-process-icon {
  background: #1a9391;
  color: #fff;
  box-shadow: 0 4px 12px rgba(10, 31, 68, 0.12);
}

.debt-process-arrow svg {
  transition: transform 0.3s ease;
}

.debt-process-card:hover .debt-process-arrow svg {
  transform: translateX(4px);
}

.debt-process-card h3 {
  margin: 0 0 16px;
  font-family: "Cormorant Garamond", serif;
  font-size: 32px;
  font-weight: 700;
  color: #0a1f44;
  transition: color 0.3s ease;
}

.debt-process-card:hover h3 {
  color: #1a9391;
}

.debt-process-card p {
  margin: 0;
  font-size: 16px;
  font-weight: 300;
  line-height: 1.65;
  color: #4a5568;
}

.debt-result-section {
  position: relative;
  overflow: hidden;
  background: #149b99;
  padding: 128px 0;
}

.debt-result-glow {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}

.debt-result-glow-a {
  top: -160px;
  right: -120px;
  width: 800px;
  height: 800px;
  background: #1a9391;
  filter: blur(180px);
  opacity: 0.2;
}

.debt-result-glow-b {
  bottom: -120px;
  left: -120px;
  width: 600px;
  height: 600px;
  background: #2a68a6;
  filter: blur(150px);
  opacity: 0.2;
}

.debt-result-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}

@media (min-width: 768px) {
  .debt-result-inner {
    padding: 0 48px;
  }
}

.debt-result-head {
  text-align: center;
  margin-bottom: 96px;
  color: #fff;
}

.debt-result-kicker {
  margin: 0 0 16px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #66b5b4;
}

.debt-result-head h2 {
  margin: 0;
  font-size: 30px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
}

@media (min-width: 768px) {
  .debt-result-head h2 {
    font-size: 48px;
  }
}

.debt-result-grid {
  display: grid;
  gap: 32px;
  grid-template-columns: 1fr;
}

@media (min-width: 768px) {
  .debt-result-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .debt-result-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

.debt-result-card {
  position: relative;
  overflow: hidden;
  text-align: center;
  border-radius: 40px;
  padding: 40px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  background: rgba(255, 255, 255, 0.05);
  backdrop-filter: blur(12px);
  transition: transform 0.5s ease, background-color 0.5s ease;
}

.debt-result-card:hover {
  transform: translateY(-8px);
  background: rgba(255, 255, 255, 0.1);
}

.debt-result-card-shine {
  position: absolute;
  inset: 0;
  opacity: 0;
  pointer-events: none;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.1), transparent);
  transition: opacity 0.5s ease;
}

.debt-result-card:hover .debt-result-card-shine {
  opacity: 1;
}

.debt-result-card-body {
  position: relative;
  z-index: 1;
}

.debt-result-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 32px;
  border-radius: 20px;
  display: grid;
  place-items: center;
  color: #fff;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  box-shadow: inset 0 1px 2px rgba(255, 255, 255, 0.1);
  transition: all 0.5s ease;
}

.debt-result-card:hover .debt-result-icon {
  transform: scale(1.1);
  background: #1a9391;
  border-color: #1a9391;
}

.debt-result-card h3 {
  margin: 0 0 12px;
  font-family: "Cormorant Garamond", serif;
  font-size: 40px;
  font-weight: 700;
  color: #fff;
  line-height: 1;
}

.debt-result-card p {
  margin: 0;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: #94a3b8;
}

.debt-authority-section {
  position: relative;
  overflow: hidden;
  background: #e8f2f8;
  color: #0a1f44;
  padding: 96px 0;
}

.debt-authority-bg {
  position: absolute;
  top: 0;
  right: 0;
  width: 50%;
  height: 100%;
  background: linear-gradient(270deg, rgba(200, 221, 232, 0.5), transparent);
}

.debt-authority-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}

@media (min-width: 768px) {
  .debt-authority-inner {
    padding: 0 48px;
  }
}

.debt-authority-grid {
  display: grid;
  gap: 64px;
  align-items: center;
  grid-template-columns: 1fr;
}

@media (min-width: 1024px) {
  .debt-authority-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.debt-authority-kicker {
  margin: 0 0 16px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #149b99;
}

.debt-authority-left h2 {
  margin: 0 0 32px;
  font-size: 30px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
}

@media (min-width: 768px) {
  .debt-authority-left h2 {
    font-size: 36px;
  }
}

@media (min-width: 1024px) {
  .debt-authority-left h2 {
    font-size: 48px;
  }
}

.debt-authority-lead {
  margin: 0 0 32px;
  font-size: 18px;
  line-height: 1.7;
  color: #4a5568;
}

.debt-authority-lead strong {
  color: #0a1f44;
}

.debt-authority-points {
  margin-bottom: 32px;
}

.debt-authority-points > p {
  margin: 0 0 12px;
  color: #4a5568;
}

.debt-authority-points ul {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 12px;
}

.debt-authority-points li {
  display: flex;
  align-items: center;
  gap: 12px;
}

.debt-authority-points li svg {
  color: #149b99;
  flex: 0 0 auto;
}

.debt-authority-points li span {
  font-weight: 500;
}

.debt-authority-note {
  display: inline-block;
  padding: 12px 24px;
  background: #fff;
  border-radius: 10px;
  border: 1px solid #e5e7eb;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.04);
}

.debt-authority-note p {
  margin: 0;
  font-family: "Cormorant Garamond", serif;
  font-style: italic;
  font-size: 32px;
  color: #0a1f44;
}

.debt-authority-right {
  display: grid;
  gap: 32px;
}

.debt-authority-card {
  padding: 32px;
  border-radius: 16px;
  background: #fff;
  border: 1px solid #f3f4f6;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.04);
}

.debt-authority-card h3 {
  margin: 0 0 16px;
  font-size: 32px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 12px;
  color: #0a1f44;
}

.debt-authority-card h3 svg {
  color: #149b99;
}

.debt-authority-card p {
  margin: 0;
  font-size: 14px;
  line-height: 1.65;
  color: #4a5568;
}

.debt-authority-card-foot {
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid #f3f4f6;
}

.debt-authority-card-foot p:first-child {
  margin-bottom: 4px;
  font-size: 14px;
  font-weight: 500;
  color: #149b99;
}

.debt-authority-card-foot p:last-child {
  font-size: 12px;
}

.debt-final-cta {
  padding: 128px 24px;
  background: #fff;
  text-align: center;
}

.debt-final-cta-inner {
  max-width: 768px;
  margin: 0 auto;
}

.debt-final-cta h2 {
  margin: 0 0 24px;
  font-family: "Cormorant Garamond", serif;
  font-size: 36px;
  font-weight: 700;
  color: #0a1f44;
}

@media (min-width: 768px) {
  .debt-final-cta h2 {
    font-size: 48px;
  }
}

.debt-final-cta p {
  margin: 0 0 40px;
  font-size: 20px;
  line-height: 1.65;
  color: #4a5568;
}

.debt-final-cta p span {
  font-weight: 600;
  color: #149b99;
}

.debt-final-cta-break {
  display: none;
}

@media (min-width: 768px) {
  .debt-final-cta-break {
    display: block;
  }
}

.debt-final-cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 16px 32px;
  border-radius: 999px;
  background: #149b99;
  color: #fff;
  font-size: 16px;
  font-weight: 600;
  transition: background-color 0.3s ease, box-shadow 0.3s ease, transform 0.3s ease;
}

.debt-final-cta-btn:hover {
  background: #1f3f69;
  box-shadow: 0 10px 20px rgba(10, 31, 68, 0.18);
  transform: translateY(-4px);
}

.bao-hero {
  position: relative;
  overflow: hidden;
  background: #fff;
  border-bottom: 1px solid #f3f4f6;
  padding: 128px 0 80px;
}

@media (min-width: 1024px) {
  .bao-hero {
    padding: 192px 0 128px;
  }
}

.bao-hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.bao-hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.5;
  mix-blend-mode: luminosity;
  filter: grayscale(1);
}

.bao-hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(
    180deg,
    rgba(244, 248, 251, 0.95) 0%,
    rgba(255, 255, 255, 0.8) 45%,
    rgba(250, 252, 253, 0.95) 100%
  );
  backdrop-filter: blur(1px);
}

.bao-hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 2;
  text-align: center;
}

@media (min-width: 768px) {
  .bao-hero-inner {
    padding: 0 48px;
  }
}

.bao-hero-copy {
  max-width: 896px;
  margin: 0 auto;
}

.bao-hero-copy h1 {
  margin: 0 0 24px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 1.1;
  color: #0a1f44;
}

@media (min-width: 768px) {
  .bao-hero-copy h1 {
    font-size: 48px;
  }
}

@media (min-width: 1024px) {
  .bao-hero-copy h1 {
    font-size: 60px;
  }
}

@media (min-width: 1280px) {
  .bao-hero-copy h1 {
    font-size: 72px;
  }
}

.bao-hero-copy h1 span {
  color: #1a9391;
}

.bao-hero-copy p {
  margin: 0 0 40px;
  font-size: 18px;
  line-height: 1.6;
  color: #4a5568;
}

@media (min-width: 768px) {
  .bao-hero-copy p {
    font-size: 20px;
  }
}

.bao-hero-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 999px;
  background: #1a9391;
  color: #fff;
  font-size: 15px;
  font-weight: 600;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.08);
  transition: all 0.3s ease;
}

.bao-hero-btn:hover {
  background: #157a78;
  transform: translateY(-1px);
  box-shadow: 0 6px 12px rgba(10, 31, 68, 0.15);
}

.bao-obstacles-section {
  position: relative;
  padding: 96px 0;
  background: #fff;
}

.bao-obstacles-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .bao-obstacles-inner {
    padding: 0 48px;
  }
}

.bao-obstacles-grid {
  display: grid;
  gap: 64px;
  align-items: flex-start;
  grid-template-columns: 1fr;
}

@media (min-width: 1024px) {
  .bao-obstacles-grid {
    grid-template-columns: 1fr 1fr;
    gap: 96px;
  }

  .bao-obstacles-right {
    margin-top: 64px;
  }
}

@media (max-width: 1023px) {
  .bao-obstacles-sticky {
    position: static;
  }

  .bao-obstacles-right {
    margin-top: 0;
  }
}

.bao-obstacles-kicker {
  margin: 0 0 16px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #1a9391;
}

.bao-obstacles-heading {
  margin: 0 0 32px;
  font-family: "Cormorant Garamond", serif;
  font-size: 30px;
  font-weight: 700;
  color: #0a1f44;
}

.bao-obstacles-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.bao-obstacle-row {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 14px 20px;
  border-radius: 12px;
  background: #fff;
  border: 1px solid transparent;
  box-shadow: 0 2px 15px -4px rgba(0, 0, 0, 0.03);
  transition: border-color 0.3s ease;
}

.bao-obstacle-row:hover {
  border-color: #f9fafb;
}

.bao-obstacle-icon {
  width: 24px;
  height: 24px;
  border-radius: 999px;
  background: #fef2f2;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  color: #ef4444;
}

.bao-obstacle-row span {
  font-size: 15px;
  font-weight: 500;
  color: #0a1f44;
}

.bao-obstacles-sticky {
  position: sticky;
  top: 96px;
}

.bao-solution-card {
  padding: 40px;
  border-radius: 32px;
  background: #eef4f8;
  color: #0a1f44;
  overflow: hidden;
  position: relative;
}

@media (min-width: 768px) {
  .bao-solution-card {
    padding: 48px;
  }
}

.bao-solution-kicker {
  margin: 0 0 20px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #1a9391;
}

.bao-solution-title {
  margin: 0 0 32px;
  font-family: "Cormorant Garamond", serif;
  font-size: 32px;
  font-weight: 700;
}

@media (min-width: 768px) {
  .bao-solution-title {
    font-size: 40px;
  }
}

.bao-solution-list {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.bao-solution-list li {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 16px;
  font-weight: 500;
  color: #0a1f44;
}

.bao-solution-check {
  width: 32px;
  height: 32px;
  border-radius: 999px;
  background: #fff;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.06);
  color: #1a9391;
}

.bao-banking-services {
  position: relative;
  padding: 96px 0;
  background: #149b99;
}

.bao-banking-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}

@media (min-width: 768px) {
  .bao-banking-inner {
    padding: 0 48px;
  }
}

.bao-banking-head {
  text-align: center;
  margin-bottom: 64px;
}

.bao-banking-head h2 {
  margin: 0;
  font-family: "Cormorant Garamond", serif;
  font-size: 30px;
  font-weight: 700;
  color: #fff;
}

@media (min-width: 768px) {
  .bao-banking-head h2 {
    font-size: 36px;
  }
}

.bao-banking-grid {
  display: grid;
  gap: 32px;
  max-width: 896px;
  margin: 0 auto;
  grid-template-columns: 1fr;
}

@media (min-width: 768px) {
  .bao-banking-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

.bao-banking-card {
  padding: 40px;
  border-radius: 32px;
  background: #fff;
  box-shadow: 0 8px 30px -4px rgba(0, 0, 0, 0.02);
  transition: box-shadow 0.3s ease;
}

.bao-banking-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: #f0f5f9;
  color: #1a9391;
  display: grid;
  place-items: center;
  margin-bottom: 32px;
}

.bao-banking-card h3 {
  margin: 0 0 20px;
  font-family: "Cormorant Garamond", serif;
  font-size: 20px;
  font-weight: 700;
  color: #0a1f44;
}

.bao-banking-card ul {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  color: #4a5568;
}

.bao-banking-card li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
}

.bao-banking-dot {
  width: 6px;
  height: 6px;
  border-radius: 999px;
  background: #1a9391;
  flex-shrink: 0;
}

.bao-ao-section {
  position: relative;
  padding: 96px 0;
  background: #fff;
}

.bao-ao-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .bao-ao-inner {
    padding: 0 48px;
  }
}

.bao-ao-grid {
  display: grid;
  gap: 80px;
  grid-template-columns: 1fr;
}

@media (min-width: 1024px) {
  .bao-ao-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.bao-ao-title {
  margin: 0 0 48px;
  font-family: "Cormorant Garamond", serif;
  font-size: 30px;
  font-weight: 700;
  color: #0a1f44;
}

.bao-ao-steps {
  display: flex;
  flex-direction: column;
  gap: 32px;
}

.bao-ao-step {
  display: flex;
  gap: 24px;
}

.bao-ao-step-num {
  font-family: "Cormorant Garamond", serif;
  font-size: 64px;
  font-weight: 700;
  line-height: 1;
  color: #e9f0f5;
  flex-shrink: 0;
  transform: translateY(-12px);
}

.bao-ao-step h4 {
  margin: 0 0 6px;
  font-size: 17px;
  font-weight: 700;
  color: #0a1f44;
}

.bao-ao-step p {
  margin: 0;
  font-size: 15px;
  line-height: 1.65;
  color: #4a5568;
  padding-right: 32px;
}

.bao-ao-outcomes {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.bao-ao-outcome {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px;
  border-radius: 16px;
  background: #fff;
  border: 1px solid transparent;
  box-shadow: 0 2px 15px -4px rgba(0, 0, 0, 0.03);
}

.bao-ao-outcome-icon {
  width: 40px;
  height: 40px;
  border-radius: 999px;
  background: #f0f5f9;
  color: #1a9391;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}

.bao-ao-outcome span {
  font-size: 16px;
  font-weight: 700;
  color: #0a1f44;
}

.bao-ao-confidential {
  margin-top: 64px;
  margin-left: auto;
  margin-right: auto;
  max-width: 768px;
  padding: 32px;
  border-radius: 24px;
  background: #0d162a;
  color: #fff;
  box-shadow: 0 20px 40px rgba(10, 31, 68, 0.2);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 24px;
  justify-content: center;
}

@media (min-width: 768px) {
  .bao-ao-confidential {
    flex-direction: row;
    text-align: left;
    padding: 40px;
    gap: 32px;
  }
}

.bao-ao-confidential-icon {
  width: 56px;
  height: 56px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.1);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.2);
}

.bao-ao-confidential h4 {
  margin: 0 0 6px;
  font-size: 17px;
  font-weight: 700;
  color: #fff;
}

.bao-ao-confidential p {
  margin: 0;
  font-size: 15px;
  line-height: 1.65;
  color: #cbd5e1;
  font-weight: 300;
}

.bao-page-cta {
  padding: 96px 24px;
  background: #1a9391;
  text-align: center;
}

.bao-page-cta-inner {
  max-width: 768px;
  margin: 0 auto;
}

.bao-page-cta h2 {
  margin: 0 0 40px;
  font-family: "Cormorant Garamond", serif;
  font-size: 30px;
  font-weight: 700;
  color: #fff;
}

@media (min-width: 768px) {
  .bao-page-cta h2 {
    font-size: 36px;
  }
}

.bao-page-cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 32px;
  border-radius: 999px;
  background: #fff;
  color: #0a1f44;
  font-size: 15px;
  font-weight: 700;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.12);
  transition: background-color 0.3s ease, transform 0.3s ease;
}

.bao-page-cta-btn:hover {
  background: #f9fafb;
  transform: translateY(-1px);
}

.about-hero {
  position: relative;
  overflow: hidden;
  background: #e8f2f8;
  padding: 128px 0 96px;
}

@media (min-width: 1024px) {
  .about-hero {
    padding: 192px 0 128px;
  }
}

.about-hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.about-hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.5;
  mix-blend-mode: luminosity;
}

.about-hero-overlay-right {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, #e8f2f8 0%, rgba(232, 242, 248, 0.8) 50%, transparent 100%);
}

.about-hero-overlay-bottom {
  position: absolute;
  inset: 0;
  background: linear-gradient(0deg, #ffffff 0%, rgba(255, 255, 255, 0) 45%);
}

.about-hero-blob {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  opacity: 0.5;
}

.about-hero-blob::before {
  content: "";
  position: absolute;
  top: -100px;
  right: -100px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: #c8dde8;
  filter: blur(150px);
  mix-blend-mode: multiply;
}

.about-hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}

@media (min-width: 768px) {
  .about-hero-inner {
    padding: 0 48px;
  }
}

.about-hero-copy {
  max-width: 896px;
}

.about-hero-copy h1 {
  margin: 0 0 32px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 1.15;
  color: #0a1f44;
}

@media (min-width: 768px) {
  .about-hero-copy h1 {
    font-size: 48px;
  }
}

@media (min-width: 1024px) {
  .about-hero-copy h1 {
    font-size: 72px;
  }
}

.about-hero-prose {
  max-width: none;
}

.about-hero-lead {
  margin: 0 0 32px;
  font-size: 20px;
  line-height: 1.65;
  font-weight: 500;
  color: #0a1f44;
}

@media (min-width: 768px) {
  .about-hero-lead {
    font-size: 24px;
  }
}

.about-hero-prose > p:not(.about-hero-lead) {
  margin: 0 0 24px;
  font-size: 18px;
  line-height: 1.75;
  font-weight: 300;
  color: #4a5568;
}

.about-hero-prose blockquote {
  margin: 40px 0;
  padding: 8px 0 8px 24px;
  border-left: 4px solid #149b99;
}

.about-hero-prose blockquote p {
  margin: 0;
  font-family: "Cormorant Garamond", serif;
  font-size: 20px;
  font-style: italic;
  line-height: 1.6;
  color: #0a1f44;
}

.about-leadership {
  position: relative;
  overflow: hidden;
  padding: 96px 0;
  background: #e8f2f8;
}

.about-leadership-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .about-leadership-inner {
    padding: 0 48px;
  }
}

.about-leadership-grid {
  display: grid;
  gap: 64px;
  align-items: center;
}

.about-leadership-copy {
  order: 2;
}

.about-leadership-visual {
  order: 1;
}

@media (min-width: 1024px) {
  .about-leadership-grid {
    grid-template-columns: 1fr 1fr;
  }

  .about-leadership-copy {
    order: 1;
  }

  .about-leadership-visual {
    order: 2;
  }
}

.about-leadership-kicker {
  margin: 0 0 16px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #149b99;
}

.about-leadership-copy h2 {
  margin: 0 0 24px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  font-size: 30px;
  line-height: 1.2;
  color: #0a1f44;
}

@media (min-width: 768px) {
  .about-leadership-copy h2 {
    font-size: 36px;
  }
}

.about-leadership-role {
  margin: 0 0 32px;
  font-size: 18px;
  font-weight: 600;
  color: #149b99;
}

.about-leadership-body {
  display: flex;
  flex-direction: column;
  gap: 24px;
  color: #4a5568;
  line-height: 1.65;
}

.about-leadership-body > p {
  margin: 0;
  font-size: 16px;
}

.about-leadership-label {
  font-weight: 600;
  color: #0a1f44;
}

.about-leadership-body ul {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.about-leadership-body li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 16px;
}

.about-leadership-dot {
  flex-shrink: 0;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #149b99;
}

.about-leadership-frame-wrap {
  position: relative;
  width: 100%;
  max-width: 28rem;
  margin: 0 auto;
  aspect-ratio: 4 / 5;
}

.about-leadership-frame-back {
  position: absolute;
  inset: 0;
  border-radius: 24px;
  background: rgba(20, 155, 153, 0.2);
  transform: rotate(3deg);
  transition: transform 0.7s ease;
}

.about-leadership-frame-wrap:hover .about-leadership-frame-back {
  transform: rotate(6deg);
}

.about-leadership-frame-front {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 24px;
  background: #fff;
  border: 1px solid #e5e7eb;
  overflow: hidden;
  transform: rotate(-3deg);
  transition: transform 0.7s ease;
}

.about-leadership-frame-wrap:hover .about-leadership-frame-front {
  transform: rotate(0deg);
}

.about-leadership-frame-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, #fff 0%, rgba(200, 221, 232, 0.5) 100%);
  pointer-events: none;
}

.about-leadership-frame-blob {
  position: absolute;
  width: 16rem;
  height: 16rem;
  border-radius: 50%;
  filter: blur(48px);
  pointer-events: none;
}

.about-leadership-frame-blob-t {
  top: 0;
  right: 0;
  margin: -5rem -5rem 0 0;
  background: #e8f2f8;
}

.about-leadership-frame-blob-b {
  bottom: 0;
  left: 0;
  margin: 0 0 -5rem -5rem;
  background: rgba(20, 155, 153, 0.1);
}

.about-leadership-frame-content {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.about-leadership-frame-content svg {
  color: rgba(20, 155, 153, 0.4);
  margin-bottom: 16px;
}

.about-leadership-frame-line {
  width: 6rem;
  height: 4px;
  border-radius: 999px;
  background: rgba(20, 155, 153, 0.4);
}

.about-team {
  position: relative;
  overflow: hidden;
  padding: 96px 0;
  background: #149b99;
  color: #fff;
}

.about-team-bg-radial {
  position: absolute;
  inset: 0;
  opacity: 0.2;
  pointer-events: none;
  background: radial-gradient(circle at center, rgba(255, 255, 255, 0.85) 0%, transparent 55%);
}

.about-team-blob {
  position: absolute;
  top: 0;
  right: 0;
  width: 800px;
  height: 800px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.05);
  filter: blur(100px);
  transform: translate(33%, -50%);
  pointer-events: none;
}

.about-team-inner {
  position: relative;
  z-index: 2;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .about-team-inner {
    padding: 0 48px;
  }
}

.about-team-header {
  max-width: 48rem;
  margin: 0 auto 80px;
  text-align: center;
}

.about-team-header h2 {
  margin: 0 0 24px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 1.15;
}

@media (min-width: 768px) {
  .about-team-header h2 {
    font-size: 48px;
  }
}

.about-team-header p {
  margin: 0;
  font-size: 20px;
  font-weight: 300;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.8);
}

.about-team-grid {
  display: grid;
  gap: 64px;
  align-items: center;
}

@media (min-width: 1024px) {
  .about-team-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.about-team-intro {
  margin: 0 0 40px;
  font-size: 18px;
  font-weight: 500;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.9);
}

.about-team-cards {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
}

.about-team-card {
  display: flex;
  flex-direction: column;
  gap: 16px;
  padding: 24px;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  transition:
    background 0.3s ease,
    border-color 0.3s ease;
}

.about-team-card:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.2);
}

.about-team-card-icon {
  display: flex;
  width: 48px;
  height: 48px;
  flex-shrink: 0;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  color: #e8f2f8;
  transition:
    transform 0.5s ease,
    background 0.5s ease,
    color 0.5s ease;
}

.about-team-card:hover .about-team-card-icon {
  transform: scale(1.1);
  background: #e8f2f8;
  color: #149b99;
}

.about-team-card > span {
  font-size: 18px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.9);
}

.about-team-glass {
  position: relative;
  padding: 40px;
  border-radius: 2rem;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  backdrop-filter: blur(12px);
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
}

@media (min-width: 768px) {
  .about-team-glass {
    padding: 48px;
  }
}

.about-team-glass-glow {
  position: absolute;
  top: 0;
  right: 0;
  width: 8rem;
  height: 8rem;
  margin: -2.5rem -2.5rem 0 0;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  filter: blur(40px);
  pointer-events: none;
}

.about-team-glass h3 {
  position: relative;
  margin: 0 0 32px;
  font-family: "Cormorant Garamond", serif;
  font-size: 24px;
  font-weight: 700;
  color: #fff;
}

.about-team-checklist {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin: 0 0 48px;
  padding: 0;
  list-style: none;
}

.about-team-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  font-size: 18px;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.9);
}

.about-team-check-wrap {
  display: flex;
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  align-items: center;
  justify-content: center;
  margin-top: 2px;
  border-radius: 50%;
  background: rgba(232, 242, 248, 0.2);
}

.about-team-check-wrap svg {
  color: #e8f2f8;
}

.about-team-footer {
  position: relative;
  padding-top: 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
}

.about-team-footer-kicker {
  margin: 0 0 16px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.6);
}

.about-team-tags {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  font-family: "Cormorant Garamond", serif;
  font-size: 24px;
  font-style: italic;
  color: #e8f2f8;
}

.about-team-tags-sep {
  color: rgba(255, 255, 255, 0.3);
  font-style: normal;
}

.about-approach {
  position: relative;
  overflow: hidden;
  padding: 128px 0;
  background: #fff;
}

.about-approach-blob {
  position: absolute;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: rgba(233, 240, 245, 0.5);
  filter: blur(120px);
  pointer-events: none;
}

.about-approach-blob-tr {
  top: 0;
  right: 0;
}

.about-approach-blob-bl {
  bottom: 0;
  left: 0;
}

.about-approach-inner {
  position: relative;
  z-index: 2;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .about-approach-inner {
    padding: 0 48px;
  }
}

.about-approach-header {
  margin-bottom: 96px;
  text-align: center;
}

.about-approach-header h2 {
  margin: 0 0 24px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 1.15;
  color: #0a1f44;
}

@media (min-width: 768px) {
  .about-approach-header h2 {
    font-size: 48px;
  }
}

.about-approach-header p {
  max-width: 42rem;
  margin: 0 auto;
  font-size: 20px;
  font-weight: 300;
  line-height: 1.65;
  color: #4a5568;
}

.about-approach-grid {
  display: grid;
  gap: 32px;
}

@media (min-width: 768px) {
  .about-approach-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .about-approach-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

.about-approach-card {
  position: relative;
  overflow: hidden;
  padding: 40px;
  border-radius: 2.5rem;
  border: 1px solid rgba(243, 244, 246, 0.8);
  background: #fff;
  box-shadow: 0 4px 20px -4px rgba(0, 0, 0, 0.03);
  transition:
    box-shadow 0.5s ease,
    transform 0.5s ease;
}

.about-approach-card:hover {
  box-shadow: 0 20px 50px -10px rgba(10, 31, 68, 0.1);
  transform: translateY(-8px);
}

.about-approach-watermark {
  position: absolute;
  top: -2.5rem;
  right: -1.5rem;
  z-index: 0;
  font-family: "Cormorant Garamond", serif;
  font-size: 180px;
  font-weight: 700;
  line-height: 1;
  letter-spacing: -0.05em;
  color: #f4f8fb;
  pointer-events: none;
  user-select: none;
  transition: color 0.5s ease;
}

.about-approach-card:hover .about-approach-watermark {
  color: rgba(26, 147, 145, 0.05);
}

.about-approach-card-inner {
  position: relative;
  z-index: 2;
}

.about-approach-icon {
  display: flex;
  width: 56px;
  height: 56px;
  align-items: center;
  justify-content: center;
  margin-bottom: 32px;
  border-radius: 1.25rem;
  border: 1px solid #f3f4f6;
  background: #fff;
  color: #1a9391;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.03);
  transition:
    transform 0.5s ease,
    background 0.5s ease,
    color 0.5s ease;
}

.about-approach-card:hover .about-approach-icon {
  transform: scale(1.1);
  background: #1a9391;
  color: #fff;
}

.about-approach-card h3 {
  margin: 0 0 16px;
  font-size: 24px;
  font-weight: 700;
  line-height: 1.25;
  color: #0a1f44;
  transition: color 0.3s ease;
}

.about-approach-card:hover h3 {
  color: #1a9391;
}

.about-approach-card p {
  position: relative;
  z-index: 2;
  margin: 0;
  font-size: 14px;
  line-height: 1.65;
  color: #4a5568;
}

@media (min-width: 768px) {
  .about-approach-card p {
    font-size: 16px;
  }
}

.about-compliance {
  position: relative;
  padding: 96px 0;
  background: #e8f2f8;
}

.about-compliance-rule {
  position: absolute;
  top: 0;
  left: 10%;
  right: 10%;
  height: 1px;
  background: linear-gradient(to right, transparent, #f3f4f6, transparent);
}

.about-compliance-inner {
  max-width: 56rem;
  margin: 0 auto;
  padding: 32px 24px 0;
  text-align: center;
}

@media (min-width: 768px) {
  .about-compliance-inner {
    padding-left: 48px;
    padding-right: 48px;
  }
}

.about-compliance-intro {
  margin-bottom: 96px;
}

.about-compliance-icon-wrap {
  position: relative;
  display: flex;
  width: 80px;
  height: 80px;
  align-items: center;
  justify-content: center;
  margin: 0 auto 32px;
  border-radius: 50%;
  border: 1px solid #f3f4f6;
  background: #f8fafc;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.05);
}

.about-compliance-icon-glow {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  background: rgba(26, 147, 145, 0.1);
  opacity: 0;
  filter: blur(12px);
  transition: opacity 0.3s ease;
  pointer-events: none;
}

.about-compliance-icon-wrap:hover .about-compliance-icon-glow {
  opacity: 1;
}

.about-compliance-icon {
  position: relative;
  z-index: 1;
  color: #1a9391;
}

.about-compliance-intro h2 {
  margin: 0 0 32px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 1.2;
  color: #0a1f44;
}

.about-compliance-intro > p:not(.about-compliance-emphasis) {
  max-width: 48rem;
  margin: 0 auto 32px;
  font-size: 18px;
  line-height: 1.65;
  color: #4a5568;
}

.about-compliance-emphasis {
  max-width: 48rem;
  margin: 0 auto;
  font-size: 18px;
  font-weight: 600;
  line-height: 1.65;
  color: #0a1f44;
}

.about-compliance-cta-card {
  position: relative;
  overflow: hidden;
  padding: 48px;
  border-radius: 3rem;
  border: 1px solid #fff;
  background: linear-gradient(135deg, #e6eff5 0%, #f0f5f9 50%, #e6eff5 100%);
  color: #0a1f44;
  box-shadow: 0 20px 50px -15px rgba(10, 31, 68, 0.1);
  transition: box-shadow 0.3s ease;
}

@media (min-width: 768px) {
  .about-compliance-cta-card {
    padding: 64px;
  }
}

.about-compliance-cta-accent {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 1px;
  background: linear-gradient(to right, transparent, rgba(26, 147, 145, 0.3), transparent);
  opacity: 0;
  transition: opacity 0.7s ease;
  pointer-events: none;
}

.about-compliance-cta-card:hover .about-compliance-cta-accent {
  opacity: 1;
}

.about-compliance-cta-inner {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.about-compliance-cta-inner h3 {
  margin: 0 0 24px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 1.15;
  color: #0a1f44;
}

@media (min-width: 768px) {
  .about-compliance-cta-inner h3 {
    font-size: 48px;
  }
}

.about-compliance-cta-inner > p {
  max-width: 36rem;
  margin: 0 0 48px;
  font-size: 18px;
  font-weight: 300;
  line-height: 1.65;
  color: #4a5568;
}

@media (min-width: 768px) {
  .about-compliance-cta-inner > p {
    font-size: 20px;
  }
}

.about-compliance-btn {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 16px 40px;
  border-radius: 999px;
  background: #1a9391;
  font-size: 18px;
  font-weight: 700;
  color: #fff;
  text-decoration: none;
  box-shadow: 0 10px 20px rgba(26, 147, 145, 0.2);
  transition:
    background 0.3s ease,
    box-shadow 0.3s ease,
    transform 0.3s ease;
}

@media (min-width: 1024px) {
  .about-compliance-btn {
    padding: 20px 48px;
  }
}

.about-compliance-btn:hover {
  background: #157a78;
  box-shadow: 0 15px 30px rgba(26, 147, 145, 0.4);
  transform: translateY(-4px);
}

.cta-journey {
  position: relative;
  overflow: hidden;
  padding: 96px 0;
  background: #e8f2f8;
  text-align: center;
}

.cta-journey-noise {
  position: absolute;
  inset: 0;
  opacity: 0.05;
  pointer-events: none;
  background-image: url("https://www.transparenttextures.com/patterns/noise-pattern-with-subtle-cross-lines.png");
}

.cta-journey-glow {
  position: absolute;
  top: 50%;
  left: 50%;
  width: 800px;
  height: 800px;
  transform: translate(-50%, -50%);
  border-radius: 50%;
  background: #fff;
  filter: blur(120px);
  opacity: 0.6;
  pointer-events: none;
}

.cta-journey-inner {
  position: relative;
  z-index: 1;
  max-width: 896px;
  margin: 0 auto;
  padding: 0 24px;
}

.cta-journey-inner h2 {
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  font-size: 30px;
  line-height: 1.25;
  color: #0a1f44;
  margin: 0 auto 32px;
}

.cta-journey-highlight {
  color: #149b99;
}

.cta-journey-break {
  display: none;
}

.cta-journey-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 16px 32px;
  background: #149b99;
  color: #fff;
  font-weight: 600;
  border-radius: 999px;
  transition: background-color 0.3s ease, box-shadow 0.3s ease, transform 0.3s ease;
}

.cta-journey-btn:hover {
  background: #406c9a;
  box-shadow: 0 0 30px rgba(26, 147, 145, 0.3);
  transform: translateY(-4px);
}

.cta {
  text-align: center;
  padding: 80px 0;
}

.cta h2 {
  font-size: clamp(36px, 5vw, 64px);
  margin-bottom: 20px;
}

.contact-hero {
  position: relative;
  overflow: hidden;
  padding: 128px 24px 64px;
  background: #e8f2f8;
  color: #0a1f44;
  text-align: center;
}

@media (min-width: 768px) {
  .contact-hero {
    padding-left: 48px;
    padding-right: 48px;
  }
}

@media (min-width: 1024px) {
  .contact-hero {
    padding: 192px 48px 96px;
  }
}

.contact-hero-bg {
  position: absolute;
  inset: 0;
  opacity: 0.4;
  pointer-events: none;
}

.contact-hero-blob {
  position: absolute;
  top: 0;
  left: 50%;
  width: 800px;
  height: 800px;
  border-radius: 50%;
  background: #c8dde8;
  filter: blur(120px);
  mix-blend-mode: multiply;
  transform: translate(-50%, 0);
}

.contact-hero-inner {
  position: relative;
  z-index: 2;
  max-width: 48rem;
  margin: 0 auto;
}

.contact-hero-kicker {
  margin: 0 0 16px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #149b99;
}

.contact-hero-inner h1 {
  margin: 0 0 24px;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  font-size: 48px;
  line-height: 1.1;
  color: #0a1f44;
}

@media (min-width: 768px) {
  .contact-hero-inner h1 {
    font-size: 72px;
  }
}

.contact-hero-lead {
  margin: 0;
  font-size: 20px;
  font-weight: 300;
  line-height: 1.65;
  color: #4a5568;
}

.contact-main {
  padding: 80px 0;
  background: #fff;
}

.contact-main-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .contact-main-inner {
    padding: 0 48px;
  }
}

.contact-main-grid {
  display: grid;
  gap: 64px;
}

@media (min-width: 1024px) {
  .contact-main-grid {
    grid-template-columns: 2fr 3fr;
  }
}

.contact-main-aside {
  display: flex;
  flex-direction: column;
  gap: 48px;
}

.contact-main-details h3 {
  margin: 0 0 24px;
  font-family: "Cormorant Garamond", serif;
  font-size: 24px;
  font-weight: 700;
  color: #0a1f44;
}

.contact-detail-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.contact-detail-row {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.contact-detail-icon {
  display: flex;
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: #e8f2f8;
  color: #149b99;
}

.contact-detail-title {
  margin: 0 0 4px;
  font-size: 16px;
  font-weight: 600;
  color: #0a1f44;
}

.contact-detail-text {
  margin: 0;
  font-size: 16px;
  color: #4a5568;
}

.contact-detail-link {
  font-size: 16px;
  color: #4a5568;
  text-decoration: none;
  transition: color 0.2s ease;
}

.contact-detail-link:hover {
  color: #149b99;
}

.contact-main-help {
  padding: 32px;
  border-radius: 16px;
  border: 1px solid rgba(20, 155, 153, 0.1);
  background: #e8f2f8;
}

.contact-main-help h4 {
  margin: 0 0 16px;
  font-family: "Cormorant Garamond", serif;
  font-size: 18px;
  font-weight: 700;
  color: #0a1f44;
}

.contact-main-help ul {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-size: 14px;
  line-height: 1.45;
  color: #4a5568;
}

.contact-main-help li {
  display: flex;
  align-items: center;
  gap: 8px;
}

.contact-help-dot {
  flex-shrink: 0;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #149b99;
}

.contact-form-card {
  padding: 32px;
  border-radius: 24px;
  border: 1px solid #f3f4f6;
  background: #fff;
  box-shadow: 0 10px 40px -10px rgba(10, 31, 68, 0.08);
}

@media (min-width: 768px) {
  .contact-form-card {
    padding: 48px;
  }
}

.contact-form-head {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 32px;
}

.contact-form-head h3 {
  margin: 0;
  font-family: "Cormorant Garamond", serif;
  font-size: 24px;
  font-weight: 700;
  color: #0a1f44;
}

.contact-form-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 12px;
  border-radius: 999px;
  background: rgba(20, 155, 153, 0.1);
  font-size: 12px;
  font-weight: 500;
  color: #149b99;
}

.contact-form {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.contact-form-row {
  display: grid;
  gap: 24px;
}

@media (min-width: 768px) {
  .contact-form-row {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

.contact-field {
  position: relative;
}

.contact-field input,
.contact-field textarea,
.contact-field select {
  width: 100%;
  padding: 12px 16px;
  border-radius: 12px;
  border: 1px solid #e5e7eb;
  font: inherit;
  font-size: 16px;
  color: #0a1f44;
  background: transparent;
  outline: none;
  transition:
    border-color 0.2s ease,
    box-shadow 0.2s ease;
}

.contact-field textarea {
  min-height: 6.5rem;
  resize: none;
}

.contact-field select {
  appearance: none;
  -webkit-appearance: none;
  padding-right: 40px;
  cursor: pointer;
  color: #0a1f44;
  background-color: #fff;
}

.contact-field input::placeholder,
.contact-field textarea::placeholder {
  color: transparent;
}

.contact-field label {
  position: absolute;
  z-index: 2;
  left: 16px;
  top: -10px;
  padding: 0 4px;
  font-size: 12px;
  font-weight: 500;
  color: #6b7280;
  background: #fff;
  pointer-events: none;
  transition:
    top 0.2s ease,
    font-size 0.2s ease,
    color 0.2s ease;
}

.contact-field input:placeholder-shown + label,
.contact-field textarea:placeholder-shown + label {
  top: 14px;
  font-size: 16px;
  font-weight: 400;
  color: #9ca3af;
  background: transparent;
}

.contact-field input:focus + label,
.contact-field textarea:focus + label,
.contact-field input:not(:placeholder-shown) + label,
.contact-field textarea:not(:placeholder-shown) + label {
  top: -10px;
  font-size: 12px;
  font-weight: 500;
  color: #149b99;
  background: #fff;
}

.contact-field input:focus,
.contact-field textarea:focus,
.contact-field select:focus {
  border-color: #149b99;
  box-shadow: 0 0 0 3px rgba(20, 155, 153, 0.2);
}

.contact-field--select label {
  top: -10px;
  font-size: 12px;
  font-weight: 500;
  color: #149b99;
  background: #fff;
}

.contact-field--select select:invalid {
  color: #9ca3af;
}

.contact-field--select select:valid {
  color: #0a1f44;
}

.contact-select-chevron {
  position: absolute;
  top: 50%;
  right: 16px;
  z-index: 1;
  color: #9ca3af;
  pointer-events: none;
  transform: translateY(-50%);
}

.contact-field--select {
  padding-top: 4px;
}

.contact-form-submit {
  display: flex;
  width: 100%;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 16px 24px;
  border: none;
  border-radius: 12px;
  background: #149b99;
  font-size: 16px;
  font-weight: 600;
  font-family: inherit;
  color: #fff;
  cursor: pointer;
  transition:
    background 0.3s ease,
    box-shadow 0.3s ease,
    transform 0.2s ease;
}

.contact-form-submit:hover {
  background: #4277a9;
  box-shadow: 0 10px 25px -5px rgba(10, 31, 68, 0.15);
}

.contact-form-submit-icon {
  transition: transform 0.2s ease;
}

.contact-form-submit:hover .contact-form-submit-icon {
  transform: translateX(4px);
}

.contact-next {
  padding: 96px 0;
  border-top: 1px solid #f3f4f6;
  background: #fff;
}

.contact-next-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .contact-next-inner {
    padding: 0 48px;
  }
}

.contact-next-grid {
  display: grid;
  gap: 64px;
}

@media (min-width: 1024px) {
  .contact-next-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.contact-next-steps h3 {
  margin: 0 0 32px;
  font-family: "Cormorant Garamond", serif;
  font-size: 24px;
  font-weight: 700;
  color: #0a1f44;
}

.contact-next-list {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.contact-next-list li {
  display: flex;
  align-items: center;
  gap: 16px;
}

.contact-next-num {
  display: flex;
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: #149b99;
  font-size: 14px;
  font-weight: 700;
  color: #fff;
}

.contact-next-text {
  font-size: 16px;
  font-weight: 500;
  color: #4a5568;
}

.contact-next-aside {
  display: flex;
  flex-direction: column;
  gap: 32px;
}

.contact-next-card {
  padding: 32px;
  border-radius: 16px;
  border: 1px solid #f3f4f6;
  background: #fff;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.05);
}

.contact-next-card--tint {
  border-color: rgba(20, 155, 153, 0.1);
  background: #e8f2f8;
  color: #0a1f44;
}

.contact-next-card-head {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
}

.contact-next-card-head svg {
  flex-shrink: 0;
  color: #149b99;
}

.contact-next-card-head h4 {
  margin: 0;
  font-size: 20px;
  font-weight: 700;
  color: #0a1f44;
}

.contact-next-card p {
  margin: 0;
  font-size: 14px;
  line-height: 1.65;
  color: #4a5568;
}

.contact-wrap {
  display: grid;
  gap: 24px;
  grid-template-columns: 0.9fr 1.1fr;
}

.contact-card,
.form-card {
  padding: 30px;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 13px 12px;
  font: inherit;
  color: #1c2f49;
  background: #fff;
}

textarea {
  min-height: 110px;
  resize: vertical;
}

.field-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.site-footer {
  background: #149b99;
  color: #fff;
  padding: 80px 0 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .footer-inner {
    padding: 0 48px;
  }
}

.footer-main {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  margin-bottom: 64px;
}

@media (min-width: 768px) {
  .footer-main {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .footer-main {
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 48px;
  }
}

.footer-logo {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 24px;
}

.footer-logo-mark {
  width: 32px;
  height: 32px;
  background: #fff;
  border-radius: 4px;
  display: grid;
  place-items: center;
  font-family: "Cormorant Garamond", serif;
  font-weight: 700;
  font-size: 20px;
  color: #149b99;
}

.footer-logo-text {
  font-family: "Cormorant Garamond", serif;
  font-weight: 600;
  font-size: 20px;
  letter-spacing: -0.02em;
}

.footer-tagline {
  font-size: 14px;
  line-height: 1.65;
  color: #d1d5db;
  margin: 0 0 24px;
  max-width: 320px;
}

.footer-heading {
  margin: 0 0 24px;
  font-family: "Cormorant Garamond", serif;
  font-size: 18px;
  font-weight: 500;
  color: #fff;
}

.footer-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
  font-size: 14px;
}

.footer-list a {
  color: #d1d5db;
  transition: color 0.2s ease;
}

.footer-list a:hover {
  color: #fff;
}

.footer-contact li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  color: #d1d5db;
}

.footer-contact li:nth-child(2),
.footer-contact li:nth-child(3) {
  align-items: center;
}

.footer-contact svg {
  flex-shrink: 0;
  color: #149b99;
  margin-top: 2px;
}

.footer-contact li:nth-child(2) svg,
.footer-contact li:nth-child(3) svg {
  margin-top: 0;
}

.footer-bar {
  padding-top: 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  font-size: 12px;
  color: #fff;
}

@media (min-width: 768px) {
  .footer-bar {
    flex-direction: row;
    justify-content: space-between;
    align-items: center;
  }
}

.footer-bar p {
  margin: 0;
  color: inherit;
}

.footer-disclaimer {
  max-width: 672px;
  text-align: center;
}

@media (min-width: 768px) {
  .footer-disclaimer {
    text-align: right;
  }
}

.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 960px) {
  .hero-grid,
  .hero-main-content,
  .grid-3,
  .grid-4,
  .contact-wrap {
    grid-template-columns: 1fr;
  }

  .grid-2,
  .field-grid {
    grid-template-columns: 1fr;
  }

  .core-card {
    padding: 32px 24px;
  }

  .core-card h3 {
    font-size: 34px;
  }

  .core-card p {
    min-height: unset;
  }

  .nav {
    display: none;
  }

  .hero {
    padding: 70px 0 46px;
  }

  .hero-main {
    min-height: auto;
    padding-top: 74px;
  }

  .hero-main-copy h1 {
    font-size: clamp(44px, 12vw, 70px);
  }

  .hero-main-copy p {
    font-size: 17px;
  }

  .hero-main-copy p.hero-main-subtext,
  .hero-main-panel p.hero-main-card-subtext,
  .hero-main-badge p.hero-main-badge-subtitle {
    font-size: 16px;
  }

  .hero-main-visual {
    display: none;
  }

  .hero-main-badge {
    right: 8px;
    top: 20px;
  }

  .hero-main-panel h3 {
    font-size: 40px;
  }

  .standards-item {
    font-size: 18px;
    padding: 20px;
  }

  .growth-image-wrap {
    order: 1;
  }

  .growth-copy {
    order: 2;
  }

  .growth-image-card {
    max-width: 360px;
  }

  .growth-copy h2 {
    font-size: 30px;
    margin-bottom: 24px;
  }

  .growth-copy p {
    font-size: 20px;
    margin-bottom: 32px;
  }

  .growth-link {
    font-size: 18px;
  }

  .hero h1 {
    font-size: clamp(36px, 11vw, 56px);
  }

  .section {
    padding: 68px 0;
  }
}

@media (min-width: 768px) {
  .core-solutions-head h2 {
    font-size: 36px;
  }

  .standards-section h2 {
    font-size: 36px;
  }

  .growth-copy h2 {
    font-size: 36px;
  }

  .cta-journey-inner h2 {
    font-size: 48px;
  }

  .cta-journey-break {
    display: block;
  }
}

@media (min-width: 1024px) {
  .core-solutions-head h2 {
    font-size: 48px;
  }

  .standards-section h2 {
    font-size: 48px;
  }

  .growth-copy h2 {
    font-size: 48px;
  }
}