/* ── SCROLL PROGRESS BAR ────────────────────────────────────── */
    #scroll-bar {
      position: fixed; top: 0; left: 0; z-index: 9999;
      height: 3px; width: 0%;
      background: linear-gradient(90deg, var(--g700, #1565D8), var(--gold, #E5A020), var(--g700, #1565D8));
      transition: width .1s linear;
      pointer-events: none;
    }

    /* ── DESIGN TOKENS ─────────────────────────────────────────── */
    :root {
      --g900: #0A2558;
      --g800: #0D3380;
      --g700: #0D47A1;
      --g600: #1976D2;
      --g200: #BBDEFB;
      --g100: #E3F0FF;
      --g50:  #F5F9FF;
      --gold:       #E5A020;
      --gold-light: #F0BA45;
      --gold-pale:  #FEF9ED;
      --gold-dark:  #B87A10;
      --red:        #D94040;
      --red-light:  #F26060;
      --white: #FFFFFF;
      --ink:   #111827;
      --gray-900: #111827;
      --gray-700: #374151;
      --gray-600: #4B5563;
      --gray-500: #6B7280;
      --gray-400: #9CA3AF;
      --gray-300: #D1D5DB;
      --gray-200: #E5E7EB;
      --gray-100: #F3F4F6;
      --gray-50:  #F9FAFB;
      --sh-sm: 0 1px 3px rgba(0,0,0,.06);
      --sh-md: 0 4px 20px rgba(0,0,0,.09);
      --sh-lg: 0 12px 48px rgba(0,0,0,.13);
      --sh-xl: 0 24px 80px rgba(0,0,0,.18);
      --r:  10px;
      --rl: 18px;
      --rx: 26px;
      --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;
      -moz-osx-font-smoothing: grayscale;
      text-rendering: optimizeLegibility;
    }
    ::selection { background: rgba(21,101,216,.2); color: var(--g900); }
    :focus-visible {
      outline: 2.5px solid var(--gold);
      outline-offset: 3px;
      border-radius: 4px;
    }
    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; }

    /* ── TYPOGRAPHY HELPERS ─────────────────────────────────────── */
    .label {
      display: inline-block;
      font-size: 12px; font-weight: 700;
      letter-spacing: .3px;
      color: var(--gray-700);
      border-left: 3px solid var(--g700);
      padding-left: 10px; line-height: 1.4;
    }
    .label.gold { color: rgba(255,255,255,.75); border-color: var(--gold); }
    .label.white { color: rgba(255,255,255,.6); border-color: rgba(255,255,255,.4); }

    .h2 {
      font-size: clamp(24px, 3vw, 32px);
      font-weight: 700; color: var(--gray-900);
      line-height: 1.25; margin-top: 10px;
      letter-spacing: -.4px;
    }
    .h2.white { color: var(--white); }
    .h3 {
      font-size: 19px; font-weight: 600; line-height: 1.4;
      color: var(--gray-900); margin-bottom: 8px;
    }
    .body-lg {
      font-size: 15.5px; color: var(--gray-500);
      line-height: 1.75; margin-top: 14px;
      max-width: 580px;
    }
    .body-lg.white { color: rgba(255,255,255,.7); }
    .body-lg.center { margin-left: auto; margin-right: auto; text-align: center; }

    /* ── BUTTONS ────────────────────────────────────────────────── */
    .btn {
      display: inline-flex; align-items: center; gap: 9px;
      padding: 12px 24px; border-radius: 8px;
      font-size: 14.5px; font-weight: 500;
      border: 2px solid transparent;
      transition: all var(--t);
      white-space: nowrap;
    }
    .btn-primary {
      background: var(--g700); color: var(--white);
      border-color: var(--g700); border-radius: 6px;
    }
    .btn-primary:hover {
      background: var(--g800); border-color: var(--g800);
      transform: translateY(-1px);
      box-shadow: 0 6px 20px rgba(13,48,128,.3);
    }
    .btn-ghost {
      background: rgba(255,255,255,.13); color: var(--white);
      border-color: rgba(255,255,255,.45); border-radius: 6px;
      backdrop-filter: blur(4px); font-weight: 600;
    }
    .btn-ghost:hover {
      background: rgba(255,255,255,.24);
      border-color: rgba(255,255,255,.7);
    }
    .btn-outline {
      background: transparent; color: var(--g700);
      border-color: var(--g700); border-radius: 6px;
    }
    .btn-outline:hover {
      background: var(--g700); color: var(--white);
      transform: translateY(-1px);
      box-shadow: 0 6px 18px rgba(13,48,128,.25);
    }
    .btn-gold {
      background: var(--gold); color: var(--white);
      border-color: var(--gold); border-radius: 6px;
      font-weight: 700;
    }
    .btn-gold:hover {
      background: var(--gold-dark); border-color: var(--gold-dark);
      transform: translateY(-1px);
      box-shadow: 0 6px 20px rgba(229,160,32,.35);
    }
    .btn-sm { padding: 9px 20px; font-size: 13px; }

    /* ── SCROLL ANIMATIONS ─────────────────────────────────────── */
    .js .rise {
      opacity: 0; transform: translateY(28px);
      transition: opacity .65s cubic-bezier(.22,.61,.36,1),
                  transform .65s 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; }
    .d4 { transition-delay: .32s; }
    .d5 { transition-delay: .40s; }
    .d6 { transition-delay: .48s; }
    .d7 { transition-delay: .56s; }
    .d8 { transition-delay: .64s; }

    /* ── ANNOUNCEMENT BAR ───────────────────────────────────────── */
    .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 ─────────────────────────────────────────────────── */
    .navbar {
      position: sticky; top: 0; z-index: 1000;
      background: rgba(255,255,255,.97);
      backdrop-filter: blur(12px);
      -webkit-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; gap: 0; }
    .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; flex-shrink: 0;
      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: var(--white);
      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); }
    .nav-fund-prices svg { width: 14px; height: 14px; }

    .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: var(--white);
      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:not(.btn) {
      display: flex; align-items: center; gap: 10px;
      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), padding-left var(--t);
    }
    .mobile-nav a:not(.btn):hover { color: var(--g700); padding-left: 4px; }

    /* ── HERO ───────────────────────────────────────────────────── */
    .hero {
      position: relative; overflow: hidden;
      background:
        radial-gradient(ellipse 55% 90% at 0% 50%, rgba(8,60,180,.55) 0%, transparent 65%),
        radial-gradient(ellipse 45% 55% at 55% 0%, rgba(26,114,232,.28) 0%, transparent 60%),
        linear-gradient(135deg, #0B3F9E 0%, #0D47A1 40%, #1257BC 70%, #1565D8 100%);
      min-height: 520px; display: flex; align-items: stretch;
    }
    .hero-photo {
      position: absolute; top: 0; right: 0;
      width: 68%; height: 100%; overflow: hidden;
    }
    .hero-slide {
      position: absolute; inset: 0;
      width: 100%; height: 100%;
      object-fit: cover; object-position: center top;
      opacity: 0;
      transition: opacity 1.4s ease-in-out;
    }
    .hero-slide-active { opacity: 1; }
    .hero-photo::after {
      content: '';
      position: absolute; inset: 0;
      background: linear-gradient(
        90deg,
        #0D47A1 0%,
        rgba(13,71,161,.97) 8%,
        rgba(13,71,161,.85) 20%,
        rgba(13,71,161,.6) 38%,
        rgba(13,71,161,.25) 58%,
        rgba(13,71,161,.07) 75%,
        transparent 100%
      );
    }
    .hero-watermark {
      position: absolute; z-index: 1;
      top: 50%; left: 10px;
      transform: translateY(-50%);
      width: 440px; height: 440px;
      opacity: .07; pointer-events: none;
    }
    .hero-watermark img {
      width: 100%; height: 100%;
      object-fit: contain;
      filter: brightness(0) invert(1);
    }
    .hero-inner { position: relative; z-index: 2; width: 100%; display: flex; align-items: center; }
    .hero-content { max-width: 560px; padding: 80px 0 100px; }

    .hero-badge {
      display: inline-flex; align-items: center; gap: 9px;
      background: rgba(255,255,255,.1);
      border: 1px solid rgba(255,255,255,.18);
      border-radius: 100px; padding: 6px 16px 6px 8px;
      font-size: 12px; color: rgba(255,255,255,.85);
      font-weight: 600; margin-bottom: 24px;
      backdrop-filter: blur(4px);
    }
    .hero-badge-dot {
      width: 7px; height: 7px; border-radius: 50%;
      background: var(--gold); flex-shrink: 0;
      box-shadow: 0 0 0 3px rgba(229,160,32,.3);
    }
    .hero-title {
      font-size: clamp(30px, 4.8vw, 50px);
      font-weight: 700; color: var(--white);
      line-height: 1.18; margin-bottom: 20px;
      letter-spacing: -.6px;
    }
    .hero-title em {
      font-style: italic;
      color: #7EC8FF;
    }
    .hero-sub {
      font-size: 15.5px; color: rgba(255,255,255,.82);
      line-height: 1.8; margin-bottom: 38px; max-width: 460px;
    }
    @media(max-width:700px){
      .hero-sub { font-size: 14px; display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden; }
    }
    .hero-ctas { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

    /* Hero stats strip */
    .hero-stats {
      display: flex; align-items: center; gap: 0;
      margin-top: 48px; padding-top: 32px;
      border-top: 1px solid rgba(255,255,255,.15);
      flex-wrap: wrap; gap: 0;
    }
    .hero-stat {
      flex: 1; min-width: 100px;
      padding: 0 24px 0 0;
    }
    .hero-stat:not(:last-child) {
      border-right: 1px solid rgba(255,255,255,.12);
      margin-right: 24px;
    }
    .hero-stat-num {
      font-size: 28px; font-weight: 700; color: var(--white);
      line-height: 1; margin-bottom: 4px;
    }
    .hero-stat-num span { color: var(--gold); }
    .hero-stat-label { font-size: 11.5px; color: rgba(255,255,255,.6); font-weight: 500; }

    /* ── QUICK ACCESS STRIP ─────────────────────────────────────── */
    .quick-strip {
      background: var(--g900);
      border-bottom: 3px solid var(--gold);
    }
    .quick-inner {
      display: flex; align-items: stretch;
      overflow-x: auto; scrollbar-width: none;
    }
    .quick-inner::-webkit-scrollbar { display: none; }
    .quick-item {
      display: flex; align-items: center; gap: 10px;
      padding: 14px 22px; color: rgba(255,255,255,.75);
      font-size: 13px; font-weight: 500;
      border-right: 1px solid rgba(255,255,255,.08);
      white-space: nowrap; transition: all var(--t);
      flex-shrink: 0;
    }
    @media(max-width:700px){ .quick-item { padding: 12px 18px; font-size: 12px; } }
    .quick-item:hover { background: rgba(255,255,255,.06); color: var(--white); }
    .quick-item svg { width: 18px; height: 18px; flex-shrink: 0; opacity: .7; }
    .quick-item:hover svg { opacity: 1; }
    .quick-item-label { font-size: 10px; opacity: .55; display: block; margin-top: 1px; }

    /* ── SECTION SHARED ─────────────────────────────────────────── */
    .section { padding: 88px 0; }
    .section-sm { padding: 64px 0; }
    .section-header { text-align: center; max-width: 640px; margin: 0 auto 52px; }

    /* ── ABOUT INTRO ────────────────────────────────────────────── */
    .about-grid {
      display: grid; grid-template-columns: 1fr 1fr;
      gap: 72px; align-items: center;
    }
    .about-visual {
      position: relative; border-radius: var(--rx);
      overflow: hidden; aspect-ratio: 4/3;
      box-shadow: var(--sh-xl);
    }
    .about-visual img { width: 100%; height: 100%; object-fit: cover; }
    .about-visual-badge {
      position: absolute; bottom: 24px; left: 24px;
      background: var(--g900); color: var(--white);
      border-radius: var(--rl); padding: 16px 22px;
      display: flex; align-items: center; gap: 14px;
      box-shadow: var(--sh-lg);
    }
    .about-visual-badge-num {
      font-size: 32px; font-weight: 800; color: var(--gold);
      line-height: 1;
    }
    .about-visual-badge-text { font-size: 12px; color: rgba(255,255,255,.7); line-height: 1.4; }
    .about-visual-badge-text strong { display: block; font-weight: 600; color: var(--white); }
    .about-text p { font-size: 15px; color: var(--gray-600); line-height: 1.8; margin-bottom: 14px; }
    .about-text p:last-of-type { margin-bottom: 0; }
    .about-pillars {
      display: grid; grid-template-columns: 1fr 1fr;
      gap: 12px; margin: 28px 0;
    }
    .about-pillar {
      display: flex; align-items: flex-start; gap: 10px;
      background: var(--g50); border-radius: var(--r);
      padding: 14px 16px; border: 1px solid var(--g100);
    }
    .about-pillar-icon {
      width: 34px; height: 34px; border-radius: 8px;
      background: var(--g700); display: flex; align-items: center; justify-content: center;
      flex-shrink: 0;
    }
    .about-pillar-icon svg { width: 16px; height: 16px; color: var(--white); }
    .about-pillar-text { font-size: 12.5px; font-weight: 600; color: var(--gray-700); line-height: 1.4; margin-top: 2px; }

    /* ── FUNDS SECTION ──────────────────────────────────────────── */
    .funds-section { background: var(--gray-50); }
    .funds-tabs {
      display: flex; align-items: center; gap: 8px;
      margin-bottom: 36px; justify-content: center;
      overflow-x: auto; scrollbar-width: none; -webkit-overflow-scrolling: touch;
      padding-bottom: 4px;
    }
    .funds-tabs::-webkit-scrollbar { display: none; }
    .funds-tabs .fund-tab { flex-shrink: 0; }
    .fund-tab {
      padding: 8px 18px; border-radius: 100px;
      font-size: 13px; font-weight: 500;
      border: 1.5px solid var(--gray-200);
      background: var(--white); color: var(--gray-600);
      cursor: pointer; transition: all var(--t);
    }
    .fund-tab:hover { border-color: var(--g700); color: var(--g700); }
    .fund-tab.active {
      background: var(--g700); color: var(--white);
      border-color: var(--g700); font-weight: 600;
    }
    .funds-grid {
      display: grid;
      grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
      gap: 20px;
    }
    .fund-card {
      background: var(--white); border-radius: var(--rl);
      border: 1px solid var(--gray-200);
      padding: 28px; cursor: pointer;
      transition: all var(--t);
      position: relative; overflow: hidden;
      display: flex; flex-direction: column;
    }
    .fund-card::before {
      content: ''; position: absolute;
      top: 0; left: 0; right: 0; height: 3px;
      background: var(--g700); opacity: 0;
      transition: opacity var(--t);
    }
    .fund-card:hover { border-color: var(--g200); box-shadow: var(--sh-md); transform: translateY(-2px); }
    .fund-card:hover::before { opacity: 1; }
    .fund-card.islamic::before { background: var(--gold); }
    .fund-type-badge {
      display: inline-flex; align-items: center; gap: 5px;
      font-size: 10.5px; font-weight: 700; letter-spacing: .4px;
      padding: 4px 10px; border-radius: 100px;
      margin-bottom: 14px;
    }
    .fund-type-badge.conventional {
      background: var(--g50); color: var(--g700);
      border: 1px solid var(--g100);
    }
    .fund-type-badge.islamic {
      background: var(--gold-pale); color: var(--gold-dark);
      border: 1px solid #F5E3B8;
    }
    .fund-type-badge svg { width: 10px; height: 10px; }
    .fund-name { font-size: 16px; font-weight: 700; color: var(--gray-900); line-height: 1.35; margin-bottom: 8px; }
    .fund-category { font-size: 12.5px; color: var(--gray-500); margin-bottom: 16px; }
    .fund-meta {
      display: flex; gap: 16px; padding-top: 16px;
      border-top: 1px solid var(--gray-100); margin-top: auto;
    }
    .fund-meta-item { flex: 1; }
    .fund-meta-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--gray-400); margin-bottom: 3px; }
    .fund-meta-value { font-size: 13px; font-weight: 600; color: var(--gray-700); }
    .fund-arrow {
      position: absolute; top: 24px; right: 24px;
      width: 32px; height: 32px; border-radius: 50%;
      background: var(--gray-100); display: flex;
      align-items: center; justify-content: center;
      transition: all var(--t);
    }
    .fund-card:hover .fund-arrow { background: var(--g700); }
    .fund-arrow svg { width: 14px; height: 14px; color: var(--gray-500); transition: color var(--t); }
    .fund-card:hover .fund-arrow svg { color: var(--white); }

    /* ── STATS BAND ─────────────────────────────────────────────── */
    .stats-band {
      background: linear-gradient(135deg, var(--g900) 0%, #0B2E6B 50%, #0A2558 100%);
      padding: 64px 0;
    }
    .stats-band-grid {
      display: grid; grid-template-columns: repeat(4, 1fr);
      gap: 0; text-align: center;
    }
    .stats-band-item {
      padding: 24px 20px;
      border-right: 1px solid rgba(255,255,255,.08);
    }
    .stats-band-item:last-child { border-right: none; }
    .stats-band-num {
      font-size: 42px; font-weight: 800; color: var(--white);
      line-height: 1; margin-bottom: 8px;
    }
    .stats-band-num span { color: var(--gold); }
    .stats-band-label { font-size: 13px; color: rgba(255,255,255,.55); font-weight: 500; }

    /* ── HOW TO INVEST ──────────────────────────────────────────── */
    .invest-steps {
      display: grid; grid-template-columns: repeat(4, 1fr);
      gap: 24px; position: relative;
    }
    .invest-steps::before {
      content: ''; position: absolute;
      top: 36px; left: calc(12.5% + 20px); right: calc(12.5% + 20px);
      height: 2px;
      background: linear-gradient(90deg, var(--g200), var(--g700), var(--g200));
      z-index: 0;
    }
    .invest-step {
      text-align: center; position: relative; z-index: 1;
    }
    .invest-step-icon {
      width: 72px; height: 72px; border-radius: 50%;
      background: var(--g700); color: var(--white);
      display: flex; align-items: center; justify-content: center;
      margin: 0 auto 20px;
      box-shadow: 0 6px 24px rgba(13,71,161,.3);
    }
    .invest-step-icon svg { width: 30px; height: 30px; stroke: #fff; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
    .invest-step-step { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .7px; color: var(--g700); margin-bottom: 8px; }
    .invest-step h4 { font-size: 15px; font-weight: 700; color: var(--gray-900); margin-bottom: 8px; }
    .invest-step p { font-size: 13px; color: var(--gray-500); line-height: 1.65; }

    /* ── INVEST OPTIONS ─────────────────────────────────────────── */
    .invest-options {
      display: grid; grid-template-columns: repeat(3, 1fr);
      gap: 20px; margin-top: 52px;
    }
    .invest-opt {
      background: var(--g50); border-radius: var(--rl);
      border: 1px solid var(--g100); padding: 28px;
      transition: all var(--t);
    }
    .invest-opt:hover { border-color: var(--g700); box-shadow: var(--sh-md); }
    .invest-opt-icon {
      width: 48px; height: 48px; border-radius: 12px;
      background: var(--g700); display: flex; align-items: center; justify-content: center;
      margin-bottom: 16px;
    }
    .invest-opt-icon svg { width: 22px; height: 22px; color: var(--white); }
    .invest-opt h4 { font-size: 15px; font-weight: 700; color: var(--gray-900); margin-bottom: 8px; }
    .invest-opt p { font-size: 13px; color: var(--gray-500); line-height: 1.65; }
    .invest-opt-link {
      display: inline-flex; align-items: center; gap: 6px;
      margin-top: 16px; font-size: 13px; font-weight: 600;
      color: var(--g700); transition: gap var(--t);
    }
    .invest-opt-link:hover { gap: 10px; }
    .invest-opt-link svg { width: 14px; height: 14px; }

    /* ── MARKET REVIEW ──────────────────────────────────────────── */
    .market-section { background: var(--g900); padding: 88px 0; }
    .market-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
    .market-text p {
      font-size: 15px; color: rgba(255,255,255,.72);
      line-height: 1.85; margin-bottom: 14px;
    }
    .market-side { display: flex; flex-direction: column; gap: 16px; }
    .market-card {
      background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1);
      border-radius: var(--rl); padding: 22px 24px;
      transition: background var(--t);
    }
    .market-card:hover { background: rgba(255,255,255,.09); }
    .market-card-label { font-size: 11px; font-weight: 700; color: var(--gold); text-transform: uppercase; letter-spacing: .5px; margin-bottom: 6px; }
    .market-card-val { font-size: 26px; font-weight: 700; color: var(--white); margin-bottom: 4px; }
    .market-card-sub { font-size: 12px; color: rgba(255,255,255,.5); }
    .market-card-change { font-size: 13px; font-weight: 600; margin-top: 8px; }
    .market-card-change.up { color: #4ADE80; }
    .market-card-change.down { color: #F87171; }

    /* ── NEWS SECTION ───────────────────────────────────────────── */
    .news-grid {
      display: grid; grid-template-columns: repeat(3, 1fr);
      gap: 24px;
    }
    .news-card {
      background: var(--white); border-radius: var(--rl);
      border: 1px solid var(--gray-200);
      overflow: hidden; transition: all var(--t);
      display: flex; flex-direction: column;
    }
    .news-card:hover { box-shadow: var(--sh-md); transform: translateY(-3px); border-color: var(--g200); }
    .news-img {
      aspect-ratio: 16/9; background: var(--g50);
      overflow: hidden; position: relative;
    }
    .news-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s ease; }
    .news-card:hover .news-img img { transform: scale(1.04); }
    .news-img-placeholder {
      width: 100%; height: 100%;
      background: linear-gradient(135deg, var(--g50), var(--g100));
      display: flex; align-items: center; justify-content: center;
    }
    .news-img-placeholder svg { width: 36px; height: 36px; color: var(--g200); }
    .news-tag {
      position: absolute; top: 12px; left: 12px;
      background: var(--g700); color: var(--white);
      font-size: 10px; font-weight: 700; letter-spacing: .4px;
      padding: 3px 9px; border-radius: 100px;
    }
    .news-body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
    .news-date { font-size: 11.5px; color: var(--gray-400); margin-bottom: 10px; font-weight: 500; }
    .news-title {
      font-size: 15px; font-weight: 600; color: var(--gray-900);
      line-height: 1.45; margin-bottom: 12px; flex: 1;
    }
    .news-arrow {
      display: inline-flex; align-items: center; gap: 6px;
      font-size: 12.5px; font-weight: 600; color: var(--g700);
      margin-top: auto; transition: gap var(--t);
    }
    .news-card:hover .news-arrow { gap: 10px; }
    .news-arrow svg { width: 14px; height: 14px; }

    /* ── SCAM ALERT ─────────────────────────────────────────────── */
    .scam-alert {
      background: linear-gradient(135deg, #FEF2F2, #FFF8E7);
      border: 1px solid #FECACA; border-radius: var(--rl);
      padding: 28px 32px; display: flex; gap: 20px;
      align-items: flex-start; margin-top: 32px;
    }
    .scam-icon {
      width: 44px; height: 44px; border-radius: 10px;
      background: var(--red); display: flex; align-items: center; justify-content: center;
      flex-shrink: 0;
    }
    .scam-icon svg { width: 22px; height: 22px; color: var(--white); }
    .scam-text h4 { font-size: 14px; font-weight: 700; color: var(--red); margin-bottom: 4px; }
    .scam-text p { font-size: 13px; color: var(--gray-600); line-height: 1.65; }
    .scam-text a { color: var(--g700); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }

    /* ── INVESTMENT PHILOSOPHY STRIP ────────────────────────────── */
    .philosophy-section {
      background: linear-gradient(135deg, var(--g700) 0%, var(--g800) 60%, var(--g900) 100%);
      padding: 88px 0; position: relative; overflow: hidden;
    }
    
    .philosophy-inner { position: relative; z-index: 1; }
    .philosophy-grid {
      display: grid; grid-template-columns: 1fr 1fr;
      gap: 64px; align-items: center;
    }
    .philosophy-cards { display: flex; flex-direction: column; gap: 16px; }
    .philosophy-card {
      background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12);
      border-radius: var(--rl); padding: 22px 24px;
      display: flex; gap: 16px; align-items: flex-start;
      transition: background var(--t);
    }
    .philosophy-card:hover { background: rgba(255,255,255,.13); }
    .philosophy-card-num {
      font-size: 28px; font-weight: 800; color: var(--gold);
      line-height: 1; flex-shrink: 0; width: 32px;
    }
    .philosophy-card-content h4 { font-size: 14px; font-weight: 700; color: var(--white); margin-bottom: 4px; }
    .philosophy-card-content p { font-size: 13px; color: rgba(255,255,255,.65); line-height: 1.65; }

    /* ── EPF-MIS BANNER ─────────────────────────────────────────── */
    .epf-banner {
      background: var(--gold-pale); border: 1.5px solid #F0D08A;
      border-radius: var(--rl); padding: 32px 36px;
      display: grid; grid-template-columns: 1fr auto;
      gap: 24px; align-items: center; margin-top: 40px;
    }
    .epf-label { font-size: 10.5px; font-weight: 700; color: var(--gold-dark); text-transform: uppercase; letter-spacing: .6px; margin-bottom: 6px; }
    .epf-title { font-size: 20px; font-weight: 700; color: var(--gray-900); margin-bottom: 8px; }
    .epf-body { font-size: 13.5px; color: var(--gray-600); line-height: 1.7; }

    /* ── FOOTER ─────────────────────────────────────────────────── */
    .footer { background: var(--g900); padding: 72px 0 0; }
    .footer-grid {
      display: grid; grid-template-columns: 2fr 1fr 1fr 1.4fr;
      gap: 40px; padding-bottom: 56px;
    }
    .footer-brand-logo img { height: 36px; width: auto; filter: brightness(0) invert(1); opacity: .85; }
    .footer-tagline {
      font-size: 12px; font-weight: 600; color: rgba(255,255,255,.4);
      text-transform: uppercase; letter-spacing: .8px;
      margin: 12px 0 16px; display: flex; align-items: center; gap: 8px;
    }
    .footer-tagline::before {
      content: ''; display: block; width: 24px; height: 2px;
      background: var(--gold); border-radius: 2px;
    }
    .footer-brand-about { font-size: 13px; color: rgba(255,255,255,.5); line-height: 1.75; }
    .footer-social { display: flex; gap: 10px; margin-top: 20px; }
    .footer-social a {
      width: 34px; height: 34px; border-radius: 8px;
      background: rgba(255,255,255,.08); display: flex;
      align-items: center; justify-content: center;
      transition: background var(--t);
    }
    .footer-social a:hover { background: var(--g700); }
    .footer-social svg { width: 16px; height: 16px; color: rgba(255,255,255,.7); }

    .footer-col-title {
      font-size: 11.5px; font-weight: 700;
      text-transform: uppercase; letter-spacing: .7px;
      color: rgba(255,255,255,.35); margin-bottom: 18px;
    }
    .footer-links li { margin-bottom: 10px; }
    .footer-links a {
      font-size: 13.5px; color: rgba(255,255,255,.6);
      transition: color var(--t);
    }
    .footer-links a:hover { color: var(--white); }

    .footer-contact-item {
      display: flex; align-items: flex-start; gap: 10px;
      margin-bottom: 14px;
    }
    .footer-contact-item svg { width: 16px; height: 16px; color: var(--gold); flex-shrink: 0; margin-top: 2px; }
    .footer-contact-item span { font-size: 13px; color: rgba(255,255,255,.6); line-height: 1.6; }
    .footer-contact-item a { color: rgba(255,255,255,.75); transition: color var(--t); }
    .footer-contact-item a:hover { color: var(--white); }

    .footer-bottom {
      border-top: 1px solid rgba(255,255,255,.08);
      padding: 20px 0;
      display: flex; align-items: center; justify-content: space-between;
      gap: 16px; flex-wrap: wrap;
    }
    .footer-bottom-copy { font-size: 12px; color: rgba(255,255,255,.35); }
    .footer-bottom-links { display: flex; gap: 20px; flex-wrap: wrap; }
    .footer-bottom-links a { font-size: 12px; color: rgba(255,255,255,.4); transition: color var(--t); }
    .footer-bottom-links a:hover { color: rgba(255,255,255,.7); }

    .sc-logo {
      display: inline-flex; align-items: center; gap: 6px;
      background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1);
      border-radius: 8px; padding: 8px 14px;
      font-size: 11px; color: rgba(255,255,255,.5);
      margin-top: 20px;
    }
    .sc-logo svg { width: 14px; height: 14px; color: var(--gold); }

    /* ── RESPONSIVE ─────────────────────────────────────────────── */
    @media (max-width: 1100px) {
      .nav-links { display: none; }
      .hamburger { display: flex; }
      .nav-fund-prices { display: none; }
    }
    @media (max-width: 900px) {
      .about-grid, .market-grid, .philosophy-grid { grid-template-columns: 1fr; gap: 40px; }
      .invest-steps { grid-template-columns: 1fr 1fr; }
      .invest-steps::before { display: none; }
      .invest-options { grid-template-columns: 1fr 1fr; }
      .news-grid { grid-template-columns: 1fr 1fr; }
      .footer-grid { grid-template-columns: 1fr 1fr; }
      .stats-band-grid { grid-template-columns: 1fr 1fr; }
      .epf-banner { grid-template-columns: 1fr; }
    }
    @media (max-width: 620px) {
      .hero-content { padding: 60px 0 72px; }
      .hero-photo { width: 100%; }
      .hero-photo img { opacity: .18; }
      .hero-photo::after { background: none; }
      .about-pillars { grid-template-columns: 1fr; }
      .invest-steps { grid-template-columns: 1fr; }
      .invest-options { grid-template-columns: 1fr; }
      .news-grid { grid-template-columns: 1fr; }
      .funds-grid { grid-template-columns: 1fr; }
      .footer-grid { grid-template-columns: 1fr; }
      .stats-band-grid { grid-template-columns: 1fr 1fr; }
      .hero-stats { display: none; }
    }
    .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{margin-top:18px !important}
.ip1{width:100% !important; justify-content:center !important; display:flex !important; background:var(--g700) !important; color:#fff !important}
.ip2{text-align:center !important; margin-top:40px !important}
.ip3{margin-top:28px !important}
.ip4{color:var(--g700) !important}
.ip5{text-align:center !important; margin-top:36px !important}
.ip6{margin-right:12px !important}