*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    :root {
      --navy:        #1C2B5E;
      --navy-deep:   #111B40;
      --navy-light:  #2E4080;
      --orange:      #E8541A;
      --orange-light:#F4753A;
      --yellow:      #F5C842;
      --yellow-light:#FFD966;
      --bg:          #F6F8FF;
      --bg2:         #EEF2FF;
      --white:       #FFFFFF;
      --ink:         #111B40;
      --ink2:        #4A5580;
      --border:      #D8DFF5;
      --card-shadow: 0 4px 24px rgba(28,43,94,0.08);
    }

    html { scroll-behavior: smooth; }
    body {
      font-family: 'Inter', sans-serif;
      background: var(--bg);
      color: var(--ink);
      overflow-x: hidden;
      line-height: 1.6;
    }

    /* ── NAV ── */
    nav {
      position: fixed; top: 0; left: 0; right: 0; z-index: 100;
      display: flex; align-items: center; justify-content: space-between;
      padding: 14px 48px;
      background: rgba(255,255,255,0.95);
      backdrop-filter: blur(20px);
      border-bottom: 1px solid var(--border);
      box-shadow: 0 2px 16px rgba(28,43,94,0.07);
    }
    .nav-logo-img { height: 44px; width: auto; display: block; }
    .nav-links { display: flex; gap: 32px; list-style: none; }
    .nav-links a {
      color: var(--ink2); font-size: 0.875rem; font-weight: 500;
      text-decoration: none; transition: color 0.2s;
    }
    .nav-links a:hover, .nav-links a.active { color: var(--navy); }
    .nav-links a.active { font-weight: 700; }
    .nav-cta {
      background: linear-gradient(135deg, var(--orange), var(--orange-light));
      color: #fff; font-weight: 700; font-size: 0.875rem;
      padding: 10px 24px; border-radius: 10px;
      text-decoration: none; box-shadow: 0 4px 16px rgba(232,84,26,0.3);
      transition: transform 0.2s, box-shadow 0.2s;
    }
    .nav-cta:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(232,84,26,0.4); }

    /* ── PAGE HEADER (used by inner pages: produk, gabung mitra) ── */
    .page-header {
      background: linear-gradient(150deg, #EEF2FF 0%, #FFF8F5 55%, #FFFBEA 100%);
      padding: 120px 24px 56px;
      text-align: center; position: relative; overflow: hidden;
    }
    .page-header::before {
      content: ''; position: absolute; width: 500px; height: 500px;
      background: radial-gradient(circle, rgba(28,43,94,0.08) 0%, transparent 70%);
      top: -150px; left: -100px; pointer-events: none;
    }
    .page-header::after {
      content: ''; position: absolute; width: 400px; height: 400px;
      background: radial-gradient(circle, rgba(232,84,26,0.08) 0%, transparent 70%);
      bottom: -80px; right: -80px; pointer-events: none;
    }
    .page-header-inner { position: relative; z-index: 1; max-width: 640px; margin: 0 auto; }
    .header-eyebrow {
      display: inline-flex; align-items: center; gap: 8px;
      background: rgba(28,43,94,0.07); border: 1.5px solid rgba(28,43,94,0.15);
      color: var(--navy); font-size: 0.72rem; font-weight: 700;
      padding: 6px 16px; border-radius: 100px; margin-bottom: 20px;
      letter-spacing: 0.08em; text-transform: uppercase;
    }
    .live-dot {
      width: 7px; height: 7px; background: #17C76A; border-radius: 50%;
      box-shadow: 0 0 0 3px rgba(23,199,106,0.2); animation: pulse 2s infinite; flex-shrink: 0;
    }
    .page-header h1 {
      font-family: 'Space Grotesk', sans-serif;
      font-size: clamp(1.8rem, 4vw, 2.8rem); font-weight: 800;
      letter-spacing: -1px; line-height: 1.1; color: var(--navy-deep); margin-bottom: 14px;
    }
    .page-header h1 span {
      background: linear-gradient(135deg, var(--orange), var(--yellow));
      -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
    }
    .page-header p { color: var(--ink2); font-size: 1rem; line-height: 1.75; max-width: 480px; margin: 0 auto; }

    /* ── HERO ── */
    .hero {
      min-height: 100vh;
      background: linear-gradient(150deg, #EEF2FF 0%, #FFF8F5 55%, #FFFBEA 100%);
      display: flex; flex-direction: column;
      align-items: center; justify-content: center;
      text-align: center;
      padding: 140px 24px 80px;
      position: relative; overflow: hidden;
    }
    /* animated floating particles */
    .hero-particle {
      position: absolute; border-radius: 50%; pointer-events: none;
      animation: float-particle linear infinite;
      opacity: 0.35;
    }
    @keyframes float-particle {
      0%   { transform: translateY(0) rotate(0deg); opacity: 0.35; }
      50%  { opacity: 0.6; }
      100% { transform: translateY(-80px) rotate(360deg); opacity: 0; }
    }
    .hero-blob1 {
      position: absolute; width: 650px; height: 650px;
      background: radial-gradient(circle, rgba(28,43,94,0.1) 0%, transparent 70%);
      top: -120px; left: -180px; pointer-events: none;
      animation: blob-drift 18s ease-in-out infinite alternate;
    }
    .hero-blob2 {
      position: absolute; width: 550px; height: 550px;
      background: radial-gradient(circle, rgba(232,84,26,0.1) 0%, transparent 70%);
      bottom: -100px; right: -120px; pointer-events: none;
      animation: blob-drift 22s ease-in-out infinite alternate-reverse;
    }
    .hero-blob3 {
      position: absolute; width: 400px; height: 400px;
      background: radial-gradient(circle, rgba(245,200,66,0.15) 0%, transparent 70%);
      top: 35%; left: 60%; pointer-events: none;
      animation: blob-drift 16s ease-in-out infinite alternate;
    }
    @keyframes blob-drift {
      0%   { transform: translate(0, 0) scale(1); }
      100% { transform: translate(30px, 20px) scale(1.08); }
    }

    /* animated grid lines background */
    .hero::before {
      content: '';
      position: absolute; inset: 0;
      background-image:
        linear-gradient(rgba(28,43,94,0.04) 1px, transparent 1px),
        linear-gradient(90deg, rgba(28,43,94,0.04) 1px, transparent 1px);
      background-size: 60px 60px;
      pointer-events: none;
    }

    .hero-logo {
      position: relative; z-index: 1;
      width: 140px; height: auto;
      margin-bottom: 12px;
      filter: drop-shadow(0 8px 24px rgba(232,84,26,0.2));
      animation: logo-float 4s ease-in-out infinite;
    }
    @keyframes logo-float {
      0%,100%{transform:translateY(0)} 50%{transform:translateY(-10px)}
    }

    .hero-badge {
      display: inline-flex; align-items: center; gap: 8px;
      background: rgba(28,43,94,0.07);
      border: 1.5px solid rgba(28,43,94,0.15);
      color: var(--navy); font-size: 0.78rem; font-weight: 700;
      padding: 7px 18px; border-radius: 100px; margin-bottom: 28px;
      letter-spacing: 0.06em; text-transform: uppercase;
      position: relative; z-index: 1;
    }
    .hero-badge::before {
      content: ''; width: 7px; height: 7px;
      background: #17C76A; border-radius: 50%;
      box-shadow: 0 0 0 3px rgba(23,199,106,0.2);
      animation: pulse 2s infinite;
    }
    @keyframes pulse {
      0%,100%{opacity:1;transform:scale(1)} 50%{opacity:0.5;transform:scale(0.75)}
    }

    .hero h1 {
      font-family: 'Space Grotesk', sans-serif;
      font-size: clamp(2.8rem, 7vw, 5.2rem);
      font-weight: 800; line-height: 1.07; letter-spacing: -2px;
      max-width: 860px; margin-bottom: 24px;
      color: var(--navy-deep); position: relative; z-index: 1;
    }
    .hero h1 .grad {
      background: linear-gradient(135deg, var(--orange) 0%, var(--yellow) 100%);
      -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
    }
    .hero > p {
      font-size: 1.1rem; color: var(--ink2); max-width: 540px;
      margin-bottom: 44px; line-height: 1.8; position: relative; z-index: 1;
    }
    .hero-actions { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; position: relative; z-index: 1; }

    .btn-primary {
      background: linear-gradient(135deg, var(--navy), var(--navy-light));
      color: #fff; font-weight: 700; font-size: 1rem;
      padding: 15px 36px; border-radius: 12px; text-decoration: none;
      box-shadow: 0 8px 32px rgba(28,43,94,0.25);
      transition: transform 0.2s, box-shadow 0.2s;
    }
    .btn-primary:hover { transform: translateY(-2px); box-shadow: 0 12px 40px rgba(28,43,94,0.35); }
    .btn-secondary {
      background: linear-gradient(135deg, var(--orange), var(--orange-light));
      color: #fff; font-weight: 700; font-size: 1rem;
      padding: 15px 36px; border-radius: 12px; text-decoration: none;
      box-shadow: 0 8px 24px rgba(232,84,26,0.25);
      transition: transform 0.2s, box-shadow 0.2s;
    }
    .btn-secondary:hover { transform: translateY(-2px); box-shadow: 0 12px 36px rgba(232,84,26,0.35); }

    .hero-tagline {
      position: relative; z-index: 1;
      font-size: 0.85rem; color: var(--ink2); margin-top: 20px;
      font-style: italic; letter-spacing: 0.02em;
    }
    .hero-tagline strong { color: var(--navy); font-style: normal; }

    /* powered-by SOCX badge */
    .powered-badge {
      position: relative; z-index: 1; margin-top: 28px;
      display: inline-flex; align-items: center; gap: 10px;
      background: linear-gradient(135deg, rgba(28,43,94,0.06), rgba(232,84,26,0.06));
      border: 1.5px solid rgba(28,43,94,0.14);
      padding: 9px 22px; border-radius: 100px;
    }
    .powered-badge span { font-size: 0.75rem; font-weight: 600; color: var(--ink2); letter-spacing: 0.04em; }
    .powered-badge a {
      font-size: 0.82rem; font-weight: 800; color: var(--orange);
      text-decoration: none; letter-spacing: 0.02em;
      transition: color 0.2s;
    }
    .powered-badge a:hover { color: var(--navy); }
    .powered-badge .pb-dot {
      width: 6px; height: 6px; border-radius: 50%;
      background: linear-gradient(135deg, var(--orange), var(--yellow));
      flex-shrink: 0;
    }

    /* ── DASHBOARD MONITORING ── */
    .dashboard-section {
      background: linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 60%, #2E3F7A 100%);
      position: relative; overflow: hidden;
    }
    .dashboard-section::before {
      content: '';
      position: absolute; inset: 0;
      background-image:
        linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
      background-size: 48px 48px;
      pointer-events: none;
    }
    .dashboard-section::after {
      content: '';
      position: absolute; width: 600px; height: 600px;
      background: radial-gradient(circle, rgba(245,200,66,0.1) 0%, transparent 60%);
      top: -200px; right: -100px; pointer-events: none;
    }
    .dashboard-inner {
      position: relative; z-index: 1;
      max-width: 1140px; margin: 0 auto;
      padding: 80px 24px;
    }
    .dash-eyebrow {
      display: inline-block;
      font-size: 0.72rem; font-weight: 800; letter-spacing: 0.14em;
      text-transform: uppercase; color: var(--yellow);
      background: rgba(245,200,66,0.1); padding: 4px 14px; border-radius: 100px;
      margin-bottom: 14px;
    }
    .dashboard-inner > h2 {
      font-family: 'Space Grotesk', sans-serif;
      font-size: clamp(1.6rem, 3.5vw, 2.4rem); font-weight: 800;
      letter-spacing: -1px; color: #fff; margin-bottom: 48px; line-height: 1.2;
    }
    .dashboard-inner > h2 span { color: var(--yellow); }

    .dash-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 16px;
      margin-bottom: 48px;
    }
    .dash-card {
      background: rgba(255,255,255,0.06);
      border: 1px solid rgba(255,255,255,0.12);
      border-radius: 20px;
      padding: 28px 24px;
      text-align: center;
      backdrop-filter: blur(8px);
      transition: transform 0.3s, background 0.3s, border-color 0.3s;
      position: relative; overflow: hidden;
    }
    .dash-card::before {
      content: '';
      position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
      border-radius: 0 0 20px 20px;
    }
    .dash-card.dc1::before { background: linear-gradient(90deg, var(--yellow), var(--orange)); }
    .dash-card.dc2::before { background: linear-gradient(90deg, var(--orange), #ff7c52); }
    .dash-card.dc3::before { background: linear-gradient(90deg, #17C76A, #0fda7a); }
    .dash-card.dc4::before { background: linear-gradient(90deg, var(--navy-light), #5578d9); }
    .dash-card:hover {
      transform: translateY(-6px);
      background: rgba(255,255,255,0.1);
      border-color: rgba(255,255,255,0.22);
    }
    .dash-icon {
      font-size: 2rem; margin-bottom: 12px;
      display: block;
    }
    .dash-num {
      font-family: 'Space Grotesk', sans-serif;
      font-size: 2.4rem; font-weight: 800; line-height: 1;
      margin-bottom: 6px;
    }
    .dc1 .dash-num { color: var(--yellow); }
    .dc2 .dash-num { color: #ff9a6c; }
    .dc3 .dash-num { color: #4ee8a0; }
    .dc4 .dash-num { color: #a4b8ff; }
    .dash-label {
      font-size: 0.75rem; font-weight: 600;
      color: rgba(255,255,255,0.5);
      text-transform: uppercase; letter-spacing: 0.06em;
    }
    .dash-sub {
      font-size: 0.7rem; color: rgba(255,255,255,0.35); margin-top: 4px;
    }

    /* live indicator */
    .dash-live {
      display: inline-flex; align-items: center; gap: 8px;
      background: rgba(23,199,106,0.1); border: 1px solid rgba(23,199,106,0.3);
      padding: 7px 18px; border-radius: 100px;
      font-size: 0.75rem; font-weight: 700; color: #4ee8a0;
      letter-spacing: 0.04em;
    }
    .dash-live::before {
      content: ''; width: 7px; height: 7px; border-radius: 50%;
      background: #17C76A;
      box-shadow: 0 0 0 3px rgba(23,199,106,0.25);
      animation: pulse 2s infinite;
    }

    /* ── STATS STRIP ── */
    .stats-strip {
      background: var(--navy);
      display: flex; justify-content: center;
    }
    .stat-item {
      flex: 1; max-width: 220px; padding: 36px 20px;
      text-align: center;
      border-right: 1px solid rgba(255,255,255,0.1);
    }
    .stat-item:last-child { border-right: none; }
    .stat-num {
      font-family: 'Space Grotesk', sans-serif;
      font-size: 2.5rem; font-weight: 800; line-height: 1;
    }
    .sn1 { color: var(--yellow); }
    .sn2 { color: var(--orange); }
    .stat-label { font-size: 0.78rem; font-weight: 600; color: rgba(255,255,255,0.55); margin-top: 6px; letter-spacing: 0.04em; text-transform: uppercase; }

    /* ── SECTION BASE ── */
    .section-inner { max-width: 1140px; margin: 0 auto; padding: 96px 24px; }
    .section-eyebrow {
      display: inline-block;
      font-size: 0.72rem; font-weight: 800; letter-spacing: 0.14em;
      text-transform: uppercase; color: var(--orange);
      background: rgba(232,84,26,0.09); padding: 4px 12px; border-radius: 100px;
      margin-bottom: 16px;
    }
    .section-title {
      font-family: 'Space Grotesk', sans-serif;
      font-size: clamp(1.75rem, 3.5vw, 2.6rem);
      font-weight: 800; letter-spacing: -1px; line-height: 1.15; color: var(--navy-deep);
      margin-bottom: 14px;
    }
    .section-sub { color: var(--ink2); font-size: 1rem; line-height: 1.75; max-width: 520px; }

    /* ── FEATURES ── */
    .features-section { background: var(--white); }
    .features-grid {
      display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
      gap: 20px; margin-top: 56px;
    }
    .feature-card {
      background: var(--bg); border: 1.5px solid var(--border);
      border-radius: 18px; padding: 36px 28px;
      transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
    }
    .feature-card:hover { transform: translateY(-5px); box-shadow: 0 16px 48px rgba(28,43,94,0.1); border-color: rgba(28,43,94,0.25); }
    .feature-icon-wrap {
      width: 56px; height: 56px; border-radius: 14px;
      display: flex; align-items: center; justify-content: center;
      font-size: 1.6rem; margin-bottom: 22px;
    }
    .ic-navy   { background: linear-gradient(135deg, #DDE5FF, #B8CAFF); }
    .ic-orange { background: linear-gradient(135deg, #FFE8DC, #FFD0BB); }
    .ic-yellow { background: linear-gradient(135deg, #FFF6D0, #FFE88A); }
    .ic-mix    { background: linear-gradient(135deg, #FFE8DC, #DDE5FF); }
    .ic-light  { background: linear-gradient(135deg, #EEF2FF, #DDE5FF); }
    .ic-green  { background: linear-gradient(135deg, #D4F5E5, #A8EDD0); }
    .feature-card h3 {
      font-family: 'Space Grotesk', sans-serif;
      font-size: 1.1rem; font-weight: 700; margin-bottom: 10px; color: var(--navy-deep);
    }
    .feature-card p { color: var(--ink2); font-size: 0.9rem; line-height: 1.7; }

    /* ── PRODUCTS SECTION ── */
    .products-section { background: var(--white); }
    .products-section > .section-inner { padding-bottom: 48px; }

    /* category filter tabs */
    .cat-tabs {
      display: flex; flex-wrap: wrap; gap: 8px;
      margin-top: 36px; margin-bottom: 40px;
    }
    .cat-tab {
      display: inline-flex; align-items: center; gap: 7px;
      background: var(--bg); border: 1.5px solid var(--border);
      color: var(--ink2); font-size: 0.8rem; font-weight: 600;
      padding: 9px 18px; border-radius: 100px;
      cursor: pointer; transition: all 0.2s;
      user-select: none;
    }
    .cat-tab:hover { border-color: var(--orange); color: var(--orange); }
    .cat-tab.active {
      background: linear-gradient(135deg, var(--orange), var(--orange-light));
      border-color: transparent; color: #fff;
      box-shadow: 0 4px 16px rgba(232,84,26,0.25);
    }
    .cat-tab .ct-dot {
      width: 6px; height: 6px; border-radius: 50%; flex-shrink: 0;
      background: currentColor; opacity: 0.6;
    }

    /* category cards grid */
    .cat-grid {
      display: grid;
      grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
      gap: 20px;
    }
    .cat-card {
      background: var(--bg);
      border: 1.5px solid var(--border);
      border-radius: 20px;
      padding: 0;
      overflow: hidden;
      transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
    }
    .cat-card:hover { transform: translateY(-4px); box-shadow: 0 16px 48px rgba(28,43,94,0.1); border-color: rgba(232,84,26,0.3); }
    .cat-card-header {
      padding: 20px 22px 16px;
      border-bottom: 1px solid var(--border);
      display: flex; align-items: center; gap: 12px;
    }
    .cat-card-icon {
      width: 42px; height: 42px; border-radius: 11px;
      display: flex; align-items: center; justify-content: center;
      font-size: 1.3rem; flex-shrink: 0;
    }
    .cat-card-header h3 {
      font-family: 'Space Grotesk', sans-serif;
      font-size: 0.95rem; font-weight: 700; color: var(--navy-deep);
      line-height: 1.3;
    }
    .cat-card-header p {
      font-size: 0.72rem; color: var(--ink2); margin-top: 2px;
    }
    .cat-card-body {
      padding: 16px 22px 20px;
    }
    .prov-grid {
      display: grid; grid-template-columns: repeat(3, 1fr);
      gap: 10px;
    }
    .prov-item {
      display: flex; flex-direction: column; align-items: center; gap: 7px;
      background: var(--white);
      border: 1.5px solid var(--border);
      border-radius: 12px; padding: 12px 8px;
      transition: border-color 0.2s, box-shadow 0.2s, transform 0.2s;
      cursor: default;
    }
    .prov-item:hover { border-color: var(--orange); box-shadow: 0 4px 16px rgba(232,84,26,0.12); transform: translateY(-2px); }
    .prov-logo {
      width: 44px; height: 44px; border-radius: 10px;
      object-fit: contain;
      background: #fff;
      border: 1px solid var(--border);
      display: flex; align-items: center; justify-content: center;
      font-size: 1.5rem; overflow: hidden;
    }
    .prov-logo img { width: 100%; height: 100%; object-fit: contain; }
    .prov-name {
      font-size: 0.65rem; font-weight: 700;
      color: var(--navy-deep); text-align: center;
      text-transform: uppercase; letter-spacing: 0.03em;
      line-height: 1.3;
    }
    .coming-soon-badge {
      display: inline-flex; align-items: center; gap: 5px;
      background: rgba(245,200,66,0.12); border: 1px solid rgba(245,200,66,0.3);
      color: #8A6900; font-size: 0.65rem; font-weight: 700;
      padding: 3px 10px; border-radius: 100px;
      text-transform: uppercase; letter-spacing: 0.05em;
    }

    /* view all button in card */
    .cat-card-footer {
      padding: 0 22px 20px;
    }
    .cat-view-all {
      display: inline-flex; align-items: center; gap: 6px;
      font-size: 0.8rem; font-weight: 700; color: var(--orange);
      text-decoration: none; transition: gap 0.2s, color 0.2s;
    }
    .cat-view-all:hover { gap: 10px; color: var(--navy); }

    /* ── PROVIDERS (segmented) ── */
    .providers-section { background: linear-gradient(160deg, #EEF2FF 0%, #FFF8F5 100%); }

    .prov-segment { margin-bottom: 48px; }
    .prov-segment:last-child { margin-bottom: 0; }
    .prov-segment-title {
      font-family: 'Space Grotesk', sans-serif;
      font-size: 0.95rem; font-weight: 700; color: var(--navy-deep);
      margin-bottom: 16px;
      display: flex; align-items: center; gap: 10px;
    }
    .prov-segment-title::after {
      content: ''; flex: 1; height: 1px; background: var(--border);
    }
    .providers-grid { display: flex; flex-wrap: wrap; gap: 10px; }
    .provider-chip {
      display: flex; align-items: center; gap: 10px;
      background: var(--white); border: 1.5px solid var(--border);
      border-radius: 12px; padding: 10px 16px;
      font-size: 0.84rem; font-weight: 600; color: var(--navy-deep);
      box-shadow: 0 2px 8px rgba(28,43,94,0.06);
      transition: border-color 0.25s, box-shadow 0.25s, transform 0.25s;
    }
    .provider-chip:hover { border-color: var(--orange); box-shadow: 0 4px 20px rgba(232,84,26,0.15); transform: translateY(-2px); }
    .pdot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }
    .pd-navy   { background: var(--navy); }
    .pd-orange { background: var(--orange); }
    .pd-yellow { background: var(--yellow); }
    .pd-green  { background: #17C76A; }
    .pd-red    { background: #e83232; }
    .pd-teal   { background: #17aac7; }

    /* operator logo cards */
    .op-logo-card {
      background: var(--white); border: 1.5px solid var(--border);
      border-radius: 16px; padding: 20px 16px;
      display: flex; flex-direction: column; align-items: center; gap: 10px;
      transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
      box-shadow: 0 2px 8px rgba(28,43,94,0.06);
    }
    .op-logo-card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(28,43,94,0.12); border-color: var(--orange); }
    .op-logo-img { width: 80px; height: 56px; object-fit: contain; }
    .op-logo-name { font-size: 0.72rem; font-weight: 700; color: var(--navy-deep); text-align: center; text-transform: uppercase; letter-spacing: 0.04em; }
    .op-logo-fallback { display: flex; flex-direction: column; align-items: center; gap: 4px; }

    /* bank logo in chip */
    .bank-logo-img { width: 56px; height: 36px; object-fit: contain; flex-shrink: 0; }

    .banks-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 48px; }
    .bank-chip {
      display: flex; align-items: center; gap: 12px;
      background: var(--white); border: 1.5px solid var(--border);
      border-radius: 12px; padding: 14px 20px;
      box-shadow: 0 2px 8px rgba(28,43,94,0.06);
      transition: border-color 0.2s;
    }
    .bank-chip:hover { border-color: var(--navy); }
    .bank-name { font-size: 0.95rem; font-weight: 700; color: var(--navy-deep); display: block; }
    .bank-sub  { font-size: 0.7rem; font-weight: 500; color: var(--ink2); display: block; margin-top: 2px; }
    .bank-icon-box {
      width: 36px; height: 36px; border-radius: 8px;
      display: flex; align-items: center; justify-content: center;
      font-size: 1.1rem; flex-shrink: 0;
    }
    .bib-navy   { background: linear-gradient(135deg, #DDE5FF, #B8CAFF); }
    .bib-orange { background: linear-gradient(135deg, #FFE8DC, #FFD0BB); }
    .bib-yellow { background: linear-gradient(135deg, #FFF6D0, #FFE88A); }

    /* ── ADVANTAGES ── */
    .advantages-section { background: var(--white); }
    .advantages-grid {
      display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 56px;
    }
    .adv-card {
      background: var(--bg); border: 1.5px solid var(--border);
      border-radius: 18px; padding: 32px 28px;
      display: flex; gap: 20px; align-items: flex-start;
      transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
    }
    .adv-card:hover { transform: translateY(-4px); box-shadow: 0 16px 48px rgba(28,43,94,0.1); border-color: rgba(232,84,26,0.3); }
    .adv-card.full-width { grid-column: 1 / -1; }
    .adv-num-badge {
      min-width: 48px; height: 48px; border-radius: 12px;
      display: flex; align-items: center; justify-content: center;
      font-family: 'Space Grotesk', sans-serif;
      font-size: 1.1rem; font-weight: 800; flex-shrink: 0;
    }
    .nb1 { background: linear-gradient(135deg, #DDE5FF, #B8CAFF); color: var(--navy); }
    .nb2 { background: linear-gradient(135deg, #FFE8DC, #FFD0BB); color: var(--orange); }
    .nb3 { background: linear-gradient(135deg, #FFF6D0, #FFE88A); color: #9A7200; }
    .nb4 { background: linear-gradient(135deg, #DDE5FF, #FFE8DC); color: var(--navy); }
    .nb5 { background: linear-gradient(135deg, #FFE8DC, #FFF6D0); color: var(--orange); }
    .nb6 { background: linear-gradient(135deg, #D4F5E5, #A8EDD0); color: #0B7A3E; }
    .nb7 { background: linear-gradient(135deg, #DDE5FF, #B8CAFF); color: var(--navy); }
    .nb8 { background: linear-gradient(135deg, #FFE8DC, #FFD0BB); color: var(--orange); }

    .adv-card h3 {
      font-family: 'Space Grotesk', sans-serif;
      font-size: 1.05rem; font-weight: 700; margin-bottom: 8px; color: var(--navy-deep);
    }
    .adv-card p { color: var(--ink2); font-size: 0.875rem; line-height: 1.7; }

    .tag-list { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 12px; }
    .tag {
      font-size: 0.75rem; font-weight: 600; padding: 5px 13px;
      border-radius: 100px; border: 1.5px solid;
    }
    .tag-navy   { background: rgba(28,43,94,0.06);  color: var(--navy);  border-color: rgba(28,43,94,0.18); }
    .tag-orange { background: rgba(232,84,26,0.07); color: var(--orange); border-color: rgba(232,84,26,0.2); }
    .tag-yellow { background: rgba(245,200,66,0.12); color: #8A6900; border-color: rgba(245,200,66,0.35); }
    .tag-green  { background: rgba(23,199,106,0.1);  color: #0B7A3E; border-color: rgba(23,199,106,0.3); }
    .tag-mix    { background: rgba(28,43,94,0.05);  color: var(--navy-light); border-color: rgba(28,43,94,0.15); }

    .legal-chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 14px; }
    .legal-chip {
      display: flex; align-items: center; gap: 7px;
      font-size: 0.78rem; font-weight: 700; padding: 6px 14px;
      border-radius: 100px;
    }
    .lc-navy   { background: rgba(28,43,94,0.07);  color: var(--navy);  border: 1.5px solid rgba(28,43,94,0.2); }
    .lc-orange { background: rgba(232,84,26,0.08); color: var(--orange); border: 1.5px solid rgba(232,84,26,0.2); }
    .lc-yellow { background: rgba(245,200,66,0.1); color: #8A6900;  border: 1.5px solid rgba(245,200,66,0.3); }
    .lc-green  { background: rgba(23,199,106,0.1); color: #0B7A3E;  border: 1.5px solid rgba(23,199,106,0.3); }

    /* ── CONTACT SECTION ── */
    .contact-section { background: linear-gradient(160deg, #EEF2FF 0%, #FFF8F5 100%); }
    .contact-grid {
      display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; margin-top: 48px;
    }
    .contact-card {
      background: var(--white); border: 1.5px solid var(--border);
      border-radius: 20px; padding: 32px 28px;
      box-shadow: var(--card-shadow);
    }
    .contact-card h3 {
      font-family: 'Space Grotesk', sans-serif;
      font-size: 1.1rem; font-weight: 700; margin-bottom: 20px;
      color: var(--navy-deep);
    }
    .contact-item {
      display: flex; align-items: flex-start; gap: 14px;
      margin-bottom: 18px; padding-bottom: 18px;
      border-bottom: 1px solid var(--border);
    }
    .contact-item:last-child { margin-bottom: 0; padding-bottom: 0; border-bottom: none; }
    .contact-icon {
      width: 40px; height: 40px; border-radius: 10px; flex-shrink: 0;
      display: flex; align-items: center; justify-content: center; font-size: 1.1rem;
    }
    .ci-tg  { background: linear-gradient(135deg, #cce8ff, #9dd5ff); }
    .ci-wa  { background: linear-gradient(135deg, #d4f5e5, #a8edd0); }
    .ci-em  { background: linear-gradient(135deg, #FFE8DC, #FFD0BB); }
    .ci-ig  { background: linear-gradient(135deg, #ffe0ee, #ffb3d4); }
    .ci-fb  { background: linear-gradient(135deg, #dde5ff, #b8caff); }
    .ci-ch  { background: linear-gradient(135deg, #cce8ff, #9dd5ff); }
    .ci-df  { background: linear-gradient(135deg, #FFF6D0, #FFE88A); }
    .contact-label { font-size: 0.72rem; font-weight: 700; color: var(--ink2); text-transform: uppercase; letter-spacing: 0.07em; margin-bottom: 3px; }
    .contact-value { font-size: 0.9rem; font-weight: 600; color: var(--navy-deep); }
    .contact-value a { color: var(--orange); text-decoration: none; transition: color 0.2s; }
    .contact-value a:hover { color: var(--navy); }
    .contact-sub { font-size: 0.75rem; color: var(--ink2); margin-top: 2px; }

    /* office map card */
    .office-card {
      background: var(--white); border: 1.5px solid var(--border);
      border-radius: 20px; overflow: hidden;
      box-shadow: var(--card-shadow);
    }
    .office-map-placeholder {
      height: 200px;
      background: linear-gradient(135deg, #DDE5FF 0%, #B8CAFF 100%);
      display: flex; align-items: center; justify-content: center;
      font-size: 3rem; position: relative; overflow: hidden;
    }
    .office-map-placeholder::after {
      content: '';
      position: absolute; inset: 0;
      background-image:
        linear-gradient(rgba(28,43,94,0.06) 1px, transparent 1px),
        linear-gradient(90deg, rgba(28,43,94,0.06) 1px, transparent 1px);
      background-size: 28px 28px;
    }
    .office-details { padding: 24px 28px; }
    .office-details h3 {
      font-family: 'Space Grotesk', sans-serif;
      font-size: 1rem; font-weight: 700; color: var(--navy-deep); margin-bottom: 10px;
    }
    .office-details p { font-size: 0.875rem; color: var(--ink2); line-height: 1.8; }
    .office-badge {
      display: inline-flex; align-items: center; gap: 6px;
      background: rgba(28,43,94,0.06); border: 1px solid rgba(28,43,94,0.14);
      color: var(--navy); font-size: 0.72rem; font-weight: 700;
      padding: 5px 12px; border-radius: 100px; margin-top: 12px;
    }

    /* ── CTA BAND ── */
    .cta-band {
      background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 60%, #2E3F7A 100%);
      position: relative; overflow: hidden;
    }
    .cta-band::before {
      content: '';
      position: absolute; width: 600px; height: 600px;
      background: radial-gradient(circle, rgba(232,84,26,0.15) 0%, transparent 65%);
      top: -150px; right: -100px; pointer-events: none;
    }
    .cta-band::after {
      content: '';
      position: absolute; width: 400px; height: 400px;
      background: radial-gradient(circle, rgba(245,200,66,0.1) 0%, transparent 65%);
      bottom: -80px; left: -60px; pointer-events: none;
    }
    .cta-inner {
      position: relative; z-index: 1;
      max-width: 720px; margin: 0 auto;
      padding: 90px 24px; text-align: center;
    }
    .cta-eyebrow {
      display: inline-block;
      font-size: 0.72rem; font-weight: 800; letter-spacing: 0.14em;
      text-transform: uppercase; color: var(--yellow);
      background: rgba(245,200,66,0.1); padding: 4px 14px; border-radius: 100px;
      margin-bottom: 20px;
    }
    .cta-inner h2 {
      font-family: 'Space Grotesk', sans-serif;
      font-size: clamp(1.8rem, 4vw, 2.8rem);
      font-weight: 800; letter-spacing: -1px;
      color: #fff; margin-bottom: 14px;
    }
    .cta-inner h2 span { color: var(--yellow); }
    .cta-inner > p { color: rgba(255,255,255,0.6); margin-bottom: 36px; }
    .btn-orange {
      background: linear-gradient(135deg, var(--orange), var(--orange-light));
      color: #fff; font-weight: 700; font-size: 1rem;
      padding: 15px 36px; border-radius: 12px; text-decoration: none;
      box-shadow: 0 8px 30px rgba(232,84,26,0.35);
      transition: transform 0.2s, box-shadow 0.2s;
    }
    .btn-orange:hover { transform: translateY(-2px); box-shadow: 0 14px 40px rgba(232,84,26,0.45); }
    .btn-outline-white {
      background: transparent; border: 2px solid rgba(255,255,255,0.35);
      color: #fff; font-weight: 600; font-size: 1rem;
      padding: 14px 36px; border-radius: 12px; text-decoration: none;
      transition: border-color 0.2s, background 0.2s;
    }
    .btn-outline-white:hover { border-color: var(--yellow); color: var(--yellow); }

    /* ── FOOTER ── */
    footer { background: var(--navy-deep); color: rgba(255,255,255,0.5); }
    .footer-inner {
      max-width: 1140px; margin: 0 auto;
      padding: 64px 24px 32px;
      display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px;
    }
    .footer-logo-img { height: 56px; width: auto; margin-bottom: 14px; filter: brightness(0) invert(1) opacity(0.9); }
    .footer-brand p { font-size: 0.875rem; line-height: 1.75; max-width: 280px; }
    .footer-address { margin-top: 16px; font-size: 0.8rem; line-height: 1.9; }
    .footer-col h4 {
      font-family: 'Space Grotesk', sans-serif;
      font-size: 0.78rem; font-weight: 700; letter-spacing: 0.12em;
      text-transform: uppercase; color: rgba(255,255,255,0.35); margin-bottom: 18px;
    }
    .footer-col a { display: block; color: rgba(255,255,255,0.55); font-size: 0.875rem; text-decoration: none; margin-bottom: 10px; transition: color 0.2s; }
    .footer-col a:hover { color: var(--yellow); }
    .footer-contact-item { display: flex; align-items: flex-start; gap: 10px; font-size: 0.85rem; margin-bottom: 12px; color: rgba(255,255,255,0.55); }
    .footer-contact-item a { color: rgba(255,255,255,0.7); text-decoration: none; transition: color 0.2s; }
    .footer-contact-item a:hover { color: var(--yellow); }
    .footer-bottom {
      max-width: 1140px; margin: 0 auto;
      padding: 20px 24px;
      border-top: 1px solid rgba(255,255,255,0.07);
      display: flex; justify-content: space-between; align-items: center;
      flex-wrap: wrap; gap: 12px;
    }
    .footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.3); }
    .reg-badge {
      display: inline-flex; align-items: center; gap: 6px;
      background: rgba(245,200,66,0.12); border: 1px solid rgba(245,200,66,0.3);
      color: var(--yellow); font-size: 0.75rem; font-weight: 700;
      padding: 5px 14px; border-radius: 100px;
    }

    /* decorative divider */
    .divider {
      height: 4px;
      background: linear-gradient(90deg, var(--navy), var(--orange), var(--yellow), var(--orange), var(--navy));
    }

    /* ── RESPONSIVE ── */
    @media(max-width: 1024px) {
      .dash-grid { grid-template-columns: repeat(2,1fr); }
      .contact-grid { grid-template-columns: 1fr; }
    }
    @media(max-width: 860px) {
      nav { padding: 12px 20px; }
      .nav-links { display: none; }
      .advantages-grid { grid-template-columns: 1fr; }
      .adv-card.full-width { grid-column: auto; }
      .stats-strip { flex-wrap: wrap; }
      .stat-item { min-width: 45%; border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); }
      .footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
      .cat-grid { grid-template-columns: 1fr; }
      .dash-grid { grid-template-columns: repeat(2, 1fr); }
    }
    @media(max-width: 540px) {
      .dash-grid { grid-template-columns: 1fr 1fr; }
      .prov-grid { grid-template-columns: repeat(3,1fr); }
      .footer-inner { grid-template-columns: 1fr; gap: 28px; }
    }