#scroll-bar{position:fixed;top:0;left:0;z-index:9999;height:3px;width:0%;background:linear-gradient(90deg,#0D47A1,#E5A020,#0D47A1);transition:width .1s linear;pointer-events:none;}
    :root{--g900:#0A2558;--g800:#0D3380;--g700:#0D47A1;--g200:#BBDEFB;--g100:#E3F0FF;--g50:#F5F9FF;--gold:#E5A020;--gold-dark:#B87A10;--white:#fff;--gray-900:#111827;--gray-700:#374151;--gray-600:#4B5563;--gray-500:#6B7280;--gray-400:#9CA3AF;--gray-200:#E5E7EB;--gray-100:#F3F4F6;--gray-50:#F9FAFB;--sh-lg:0 12px 48px rgba(0,0,0,.13);--rl:18px;--t:.3s ease;}
    *,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}html{scroll-behavior:smooth;}
    body{font-family:'Poppins',sans-serif;color:var(--gray-900);background:var(--white);line-height:1.6;overflow-x:hidden;-webkit-font-smoothing:antialiased;}
    img{display:block;max-width:100%;height:auto;}a{text-decoration:none;color:inherit;}ul{list-style:none;}button{font-family:inherit;cursor:pointer;}
    .container{width:100%;max-width:1200px;margin:0 auto;padding:0 28px;}
    .btn{display:inline-flex;align-items:center;gap:9px;padding:11px 22px;border-radius:6px;font-size:14px;font-weight:500;border:2px solid transparent;transition:all var(--t);}
    .btn-primary{background:var(--g700);color:#fff;border-color:var(--g700);}
    .btn-primary:hover{background:var(--g800);transform:translateY(-1px);box-shadow:0 6px 20px rgba(13,48,128,.3);}
    .btn-gold{background:var(--gold);color:#fff;border-color:var(--gold);}
    .btn-gold:hover{background:var(--gold-dark);}
    .btn-sm{padding:8px 18px;font-size:13px;}
    .js .rise{opacity:0;transform:translateY(24px);transition:opacity .6s cubic-bezier(.22,.61,.36,1),transform .6s cubic-bezier(.22,.61,.36,1);}
    .js .rise.in{opacity:1;transform:none;}
    .d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}
        .ann {
      background: #FFF8E7; color: var(--gray-700);
      border-bottom: 2px solid #F5C842;
      font-size: 12.5px; padding: 7px 16px;
      display: flex; align-items: center; justify-content: center; gap: 10px;
      position: relative;
    }
    .ann-icon { font-size: 13px; flex-shrink: 0; }
    .ann-body { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; justify-content: center; }
    .ann strong { color: var(--g800); font-weight: 700; white-space: nowrap; }
    .ann-title { color: var(--gray-700); }
    .ann-more { color: var(--g700); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; white-space: nowrap; }
    .ann-close {
      position: absolute; right: 12px; top: 50%; transform: translateY(-50%);
      background: none; border: none; cursor: pointer;
      color: var(--gray-500); font-size: 16px; line-height: 1; padding: 4px 6px;
    }
    .ann-close:hover { color: var(--gray-800); }
    .navbar{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid var(--gray-100);transition:box-shadow var(--t);}
    .navbar.scrolled{box-shadow:0 2px 24px rgba(0,0,0,.09);}
    .navbar.scrolled::after{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--g700),var(--gold),var(--g700));opacity:.5;}
    .nav-inner{display:flex;align-items:center;justify-content:space-between;height:88px;}
    .nav-logo{flex-shrink:0;display:flex;align-items:center;gap:10px;}
    .nav-logo img { height: 84px; width: auto; padding: 2px 0; object-fit: contain; }
    .nav-links{display:flex;align-items:center;}
    .nav-item{position:relative;}
    .nav-link{display:flex;align-items:center;gap:4px;padding: 8px 10px;font-size:13px;font-weight:500;color:var(--gray-600);border-radius:7px;transition:all var(--t);white-space:nowrap;}
    .nav-link:hover { color:var(--g700); background:var(--g50); }
    .nav-link.active { color:#fff; background:var(--g700); font-weight:600; border-radius:6px; }
    .nav-link.active:hover { background:var(--g800); color:#fff; }
    .nav-chev{width:11px;height:11px;fill:none;stroke:currentColor;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round;transition:transform var(--t);}
    .nav-item:hover .nav-chev{transform:rotate(180deg);}
    .dropdown{position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--gray-200);border-radius:var(--rl);box-shadow:var(--sh-lg);min-width:230px;padding:8px; padding-top:8px;opacity:0;pointer-events:none;transform:translateY(10px) scale(.97);transform-origin:top left;transition:all .22s cubic-bezier(.22,.61,.36,1);z-index:200;}
    .nav-item:hover .dropdown{ padding-top:8px;opacity:1;pointer-events:all;transform:none;}
    .dropdown a{display:flex;align-items:center;gap:8px;padding:8px 13px;font-size:13px;color:var(--gray-700);border-radius:8px;transition:all var(--t);}
    .dropdown a::before{content:'';width:5px;height:5px;border-radius:50%;background:var(--g200);flex-shrink:0;transition:background var(--t);}
    .dropdown a:hover{background:var(--g50);color:var(--g700);}
    .dropdown a:hover::before{background:var(--gold);}
    .dropdown-section-label{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.6px;color:var(--gray-400);padding:8px 13px 4px;margin-top:4px;}
    .dropdown hr{border:none;border-top:1px solid var(--gray-100);margin:4px 0;}
    .nav-right{display:flex;align-items:center;gap:12px;}
    .nav-fund-prices{display:none;display:inline-flex;align-items:center;gap:7px;padding:8px 16px;border-radius:6px;font-size:13px;font-weight:600;color:var(--g700);border:1.5px solid var(--g200);background:var(--g50);transition:all var(--t);}
    .nav-fund-prices:hover{background:var(--g100);border-color:var(--g700);}
    .hamburger{display:none;flex-direction:column;gap:5px;padding:6px;border:none;background:none;border-radius:6px;}
    .hamburger span{display:block;width:22px;height:2px;background:var(--gray-700);border-radius:2px;transition:all var(--t);}
    .hamburger.open span:nth-child(1){transform:rotate(45deg) translate(5px,5px);}
    .hamburger.open span:nth-child(2){opacity:0;transform:scaleX(0);}
    .hamburger.open span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px);}
    .mobile-nav{display:grid;grid-template-rows:0fr;background:#fff;border-top:1px solid var(--gray-100);transition:grid-template-rows .35s cubic-bezier(.22,.61,.36,1);overflow:hidden;}
    .mobile-nav.open{grid-template-rows:1fr;}
    .mobile-nav-inner{overflow:hidden;padding:0 24px;}
    .mobile-nav.open .mobile-nav-inner{padding:12px 24px 24px;}
    .mobile-nav a{display:flex;align-items:center;padding:12px 0;font-size:14.5px;font-weight:500;color:var(--gray-700);border-bottom:1px solid var(--gray-100);transition:color var(--t);}
    .mobile-nav a:hover{color:var(--g700);}
    .page-hero{background:radial-gradient(ellipse 60% 80% at 0% 50%,rgba(8,60,180,.5) 0%,transparent 65%),linear-gradient(135deg,#0B3F9E 0%,#0D47A1 50%,#1565D8 100%);padding:56px 0 0;position:relative;overflow:hidden;}
.page-hero::after{content:'';position:absolute;right:-60px;bottom:-50px;width:340px;height:340px;background-image:url('symbol logo.png');background-size:contain;background-repeat:no-repeat;background-position:center;filter:brightness(0) invert(1);opacity:.03;pointer-events:none;z-index:0;}
    
    .page-hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center;opacity:.15;z-index:0;pointer-events:none;display:block;}
    .page-hero-inner{position:relative;z-index:1;}
    .breadcrumb{display:flex;align-items:center;gap:8px;font-size:12.5px;color:rgba(255,255,255,.55);margin-bottom:16px;}
    .breadcrumb a{color:rgba(255,255,255,.65);}.breadcrumb svg{width:12px;height:12px;flex-shrink:0;}
    .page-hero-title{font-size:clamp(28px,4vw,42px);font-weight:700;color:#fff;line-height:1.2;margin-bottom:12px;letter-spacing:-.4px;}
    .page-hero-sub{font-size:15px;color:rgba(255,255,255,.75);max-width:560px;line-height:1.7;margin-bottom:28px;}
    .page-tabs{display:flex;gap:4px;margin-top:8px;border-top:1px solid rgba(255,255,255,.1);padding-top:4px;overflow-x:auto;-ms-overflow-style:none;scrollbar-width:none;}
    .page-tabs::-webkit-scrollbar{display:none;}
    .page-tab{flex-shrink:0;padding:12px 20px;font-size:13px;font-weight:500;color:rgba(255,255,255,.6);border-radius:10px 10px 0 0;transition:all var(--t);cursor:pointer;border-bottom:2px solid transparent;}
    .page-tab:hover{color:rgba(255,255,255,.9);}
    .page-tab.active{color:#fff;border-bottom:2px solid var(--gold);background:rgba(255,255,255,.08);}

    /* LAYOUT */
    .page-body{display:grid;grid-template-columns:260px 1fr;gap:48px;padding:56px 0 80px;align-items:start;}
    .sidebar{position:sticky;top:90px;}
    .sidebar-title{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.7px;color:var(--gray-400);margin-bottom:12px;padding:0 12px;}
    .sidebar-links{display:flex;flex-direction:column;gap:2px;}
    .sidebar-link{display:flex;align-items:center;gap:10px;padding:10px 12px;font-size:13.5px;font-weight:500;color:var(--gray-600);border-radius:9px;transition:all var(--t);}
    .sidebar-link::before{content:'';width:5px;height:5px;border-radius:50%;background:var(--g200);flex-shrink:0;transition:background var(--t);}
    .sidebar-link:hover{color:var(--g700);background:var(--g50);}
    .sidebar-link.active{color:var(--g700);background:var(--g50);font-weight:600;}
    .sidebar-link.active::before{background:var(--gold);}

    /* CONTENT */
    .content-section{margin-bottom:64px;scroll-margin-top:100px;}
    .section-label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--gold);margin-bottom:10px;}
    .section-title{font-size:clamp(22px,3vw,30px);font-weight:700;color:var(--g900);letter-spacing:-.3px;margin-bottom:16px;line-height:1.2;}
    .section-body{font-size:15px;color:var(--gray-600);line-height:1.8;}
    .section-body p{margin-bottom:16px;}
    .section-body ul{padding-left:18px;list-style:disc;margin-bottom:16px;}
    .section-body ul li{margin-bottom:8px;}

    /* TABLES */
    .data-table{width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;border:1px solid var(--gray-200);margin-bottom:24px;}
    .data-table th{background:var(--g900);color:rgba(255,255,255,.8);font-size:12px;font-weight:700;padding:13px 18px;text-align:left;}
    .data-table td{padding:13px 18px;font-size:13.5px;color:var(--gray-700);border-bottom:1px solid var(--gray-100);}
    .data-table tr:last-child td{border-bottom:none;}
    .data-table tr:hover td{background:var(--g50);}
    .data-table .note{font-size:12px;color:var(--gray-500);}

    /* CARDS */
    .cards-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin-bottom:24px;}
    .card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--rl);padding:24px;transition:box-shadow var(--t),transform var(--t);}
    .card:hover{box-shadow:var(--sh-lg);transform:translateY(-2px);}
    .card-icon{width:44px;height:44px;border-radius:12px;background:var(--g50);display:flex;align-items:center;justify-content:center;margin-bottom:16px;}
    .card-icon svg{width:22px;height:22px;color:var(--g700);}
    .card h3{font-size:15px;font-weight:700;color:var(--g900);margin-bottom:8px;}
    .card p{font-size:13.5px;color:var(--gray-600);line-height:1.7;}

    /* STEPS */
    .steps{display:flex;flex-direction:column;gap:0;position:relative;}
    .step{display:flex;gap:20px;padding-bottom:32px;position:relative;}
    .step:last-child{padding-bottom:0;}
    .step-line{position:absolute;left:20px;top:44px;bottom:0;width:2px;background:linear-gradient(to bottom,var(--g200),transparent);}
    .step:last-child .step-line{display:none;}
    .step-num{width:40px;height:40px;border-radius:50%;background:var(--g700);color:#fff;font-size:14px;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0;z-index:1;box-shadow:0 0 0 4px var(--g100);}
    .step-content{padding-top:6px;flex:1;}
    .step-content h4{font-size:15px;font-weight:700;color:var(--g900);margin-bottom:6px;}
    .step-content p{font-size:13.5px;color:var(--gray-600);line-height:1.7;}

    /* INFO BOX */
    .info-box{background:var(--g50);border:1px solid var(--g200);border-left:4px solid var(--g700);border-radius:10px;padding:20px 24px;margin:20px 0;}
    .info-box h4{font-size:14px;font-weight:700;color:var(--g700);margin-bottom:8px;}
    .info-box p,.info-box ul{font-size:13.5px;color:var(--gray-600);line-height:1.7;}
    .info-box ul{padding-left:18px;list-style:disc;}
    .info-box ul li{margin-bottom:6px;}
    .warning-box{background:#FFF8E7;border:1px solid #F5E0A0;border-left:4px solid var(--gold);border-radius:10px;padding:20px 24px;margin:20px 0;font-size:13.5px;color:var(--gray-600);line-height:1.7;}

    /* FOOTER */
    .footer{background:var(--g900);padding:64px 0 0;}
    .footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.4fr;gap:48px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.08);}
    .footer-brand-logo img{height:38px;filter:brightness(0) invert(1);margin-bottom:14px;}
    .footer-tagline{font-size:11px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--gold);margin-bottom:14px;}
    .footer-brand-about{font-size:13px;color:rgba(255,255,255,.45);line-height:1.8;margin-bottom:20px;}
    .footer-social{display:flex;gap:10px;margin-bottom:20px;}
    .footer-social a{width:34px;height:34px;border-radius:8px;background:rgba(255,255,255,.07);display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.5);transition:all var(--t);}
    .footer-social a svg{width:15px;height:15px;}
    .footer-social a:hover{background:var(--gold);color:#fff;}
    .sc-logo{display:flex;align-items:center;gap:8px;font-size:11px;color:rgba(255,255,255,.35);font-weight:500;}
    .sc-logo svg{width:14px;height:14px;flex-shrink:0;}
    .footer-col-title{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.7px;color:rgba(255,255,255,.4);margin-bottom:16px;}
    .footer-links{display:flex;flex-direction:column;gap:8px;}
    .footer-links a{font-size:13px;color:rgba(255,255,255,.55);transition:color var(--t);}
    .footer-links a:hover{color:#fff;}
    .footer-contact-item{display:flex;align-items:flex-start;gap:10px;margin-bottom:14px;}
    .footer-contact-item svg{width:14px;height:14px;flex-shrink:0;color:rgba(255,255,255,.35);margin-top:3px;}
    .footer-contact-item span{font-size:12.5px;color:rgba(255,255,255,.5);line-height:1.6;}
    .footer-contact-item a{color:rgba(255,255,255,.6);transition:color var(--t);}
    .footer-contact-item a:hover{color:#fff;}
    .footer-bottom{padding:20px 0;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;}
    .footer-bottom-copy{font-size:12px;color:rgba(255,255,255,.3);}
    .footer-bottom-links{display:flex;gap:20px;flex-wrap:wrap;}
    .footer-bottom-links a{font-size:12px;color:rgba(255,255,255,.3);transition:color var(--t);}
    .footer-bottom-links a:hover{color:rgba(255,255,255,.6);}

    @media(max-width:1100px){.nav-fund-prices{display:none !important;}.nav-links{display:none;}.hamburger{display:flex;}.page-body{grid-template-columns:1fr;}.sidebar{display:none;}.footer-grid{grid-template-columns:1fr 1fr;gap:32px;}}
    @media(max-width:600px){.footer-grid{grid-template-columns:1fr;}.cards-grid{grid-template-columns:1fr;}}
    .mob-accordion { border-bottom:1px solid var(--gray-100); }
    .mob-acc-btn { display:flex; align-items:center; justify-content:space-between; width:100%; padding:12px 0; font-size:14.5px; font-weight:500; color:var(--gray-700); background:none; border:none; cursor:pointer; }
    .mob-acc-btn:hover { color:var(--g700); }
    .mob-acc-chev { width:14px; height:14px; transition:transform .3s; flex-shrink:0; }
    .mob-accordion.open .mob-acc-chev { transform:rotate(180deg); }
    .mob-acc-body { display:grid; grid-template-rows:0fr; transition:grid-template-rows .3s; overflow:hidden; }
    .mob-accordion.open .mob-acc-body { grid-template-rows:1fr; }
    .mob-acc-inner { overflow:hidden; padding-bottom:4px; }
    .mob-acc-section { font-size:10.5px; font-weight:700; text-transform:uppercase; letter-spacing:.6px; color:var(--gray-400); padding:8px 12px 4px; }
    .mob-acc-body a { display:block !important; padding:9px 12px !important; font-size:13.5px !important; color:var(--gray-600) !important; border-bottom:none !important; }
    .mob-acc-body a:hover { color:var(--g700) !important; background:var(--g50); border-radius:6px; }
    .nav-fund-prices { display:none !important; }
  
.ip0{width:14px !important; height:14px !important}
.ip1{margin-top:18px !important}
.ip2{width:100% !important; justify-content:center !important; display:flex !important; background:var(--g700) !important; color:#fff !important}
.ip3{display:grid !important; grid-template-columns:1fr 360px !important; gap:28px !important; align-items:center !important; margin-bottom:28px !important}
.ip4{margin:0 !important}
.ip5{width:100% !important; height:200px !important; object-fit:cover !important; border-radius:12px !important; display:block !important}
.ip6{display:grid !important; grid-template-columns:360px 1fr !important; gap:28px !important; align-items:center !important; margin-bottom:28px !important}
.ip7{color:var(--g700) !important; font-weight:600 !important}