#scroll-bar{position:fixed;top:0;left:0;z-index:9999;height:3px;width:0%;background:linear-gradient(90deg,var(--g700),var(--gold),var(--g700));transition:width .1s linear;pointer-events:none;}
    :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;--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);
      --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;}
    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);white-space:nowrap;}
    .btn-primary{background:var(--g700);color:var(--white);border-color:var(--g700);}
    .btn-primary:hover{background:var(--g800);transform:translateY(-1px);box-shadow:0 6px 20px rgba(13,48,128,.3);}
    .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}.d4{transition-delay:.32s}

        .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: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);}
    .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{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,.55) 0%,transparent 65%),linear-gradient(135deg,#0B3F9E 0%,#0D47A1 50%,#1565D8 100%);padding:56px 0 52px;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);transition:color var(--t);}
    .breadcrumb a:hover{color:var(--white);}
    .breadcrumb svg{width:12px;height:12px;flex-shrink:0;}
    .page-hero-title{font-size:clamp(28px,4vw,42px);font-weight:700;color:var(--white);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;}
    .page-hero-tabs{display:flex;align-items:center;gap:0;margin-top:36px;border-top:1px solid rgba(255,255,255,.12);overflow-x:auto;scrollbar-width:none;}
    .page-hero-tabs::-webkit-scrollbar{display:none;}
    .page-tab{padding:16px 20px;font-size:13px;font-weight:500;color:rgba(255,255,255,.6);white-space:nowrap;border-bottom:2px solid transparent;transition:all var(--t);cursor:pointer;}
    .page-tab:hover{color:rgba(255,255,255,.9);}
    .page-tab.active{color:var(--white);border-bottom-color:var(--gold);font-weight:600;}

    /* LAYOUT */
    .ip-layout{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:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.7px;color:var(--gray-400);margin-bottom:8px;}
    .sidebar-nav{border:1px solid var(--gray-200);border-radius:var(--rl);overflow:hidden;}
    .sidebar-link{display:flex;align-items:center;gap:10px;padding:13px 16px;font-size:13.5px;font-weight:500;color:var(--gray-600);border-bottom:1px solid var(--gray-100);transition:all var(--t);}
    .sidebar-link:last-child{border-bottom:none;}
    .sidebar-link:hover{background:var(--g50);color:var(--g700);}
    .sidebar-link.active{background:var(--g50);color:var(--g700);font-weight:600;border-left:3px solid var(--g700);}
    .sidebar-link svg{width:15px;height:15px;flex-shrink:0;opacity:.5;}
    .sidebar-link:hover svg,.sidebar-link.active svg{opacity:1;}

    /* CONTENT */
    .content-section{margin-bottom:72px;scroll-margin-top:100px;}
    .content-section:last-child{margin-bottom:0;}
    .section-label{display:inline-block;font-size:12px;font-weight:700;color:var(--gray-700);border-left:3px solid var(--g700);padding-left:10px;line-height:1.4;margin-bottom:10px;}
    .section-title{font-size:clamp(22px,3vw,30px);font-weight:700;color:var(--gray-900);line-height:1.25;margin-bottom:20px;letter-spacing:-.3px;}
    .content-body p{font-size:15px;color:var(--gray-600);line-height:1.85;margin-bottom:16px;}
    .content-body p:last-child{margin-bottom:0;}
    .content-body strong{color:var(--gray-800,#1f2937);font-weight:600;}

    /* PHILOSOPHY HIGHLIGHT */
    .phil-visual{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start;margin-bottom:32px;}
    .phil-visual img{width:100%;height:260px;object-fit:cover;border-radius:var(--rx);}
    @media(max-width:700px){.phil-visual{grid-template-columns:1fr;}.phil-visual img{height:200px;}}
    .phil-quote{background:linear-gradient(135deg,var(--g900) 0%,#0d3380 100%);border-radius:var(--rx);padding:48px 52px;margin:36px 0;position:relative;overflow:hidden;}
    .phil-quote::before{content:'"';position:absolute;top:-20px;left:32px;font-size:200px;color:rgba(255,255,255,.04);font-family:Georgia,serif;line-height:1;}
    .phil-quote-text{font-size:clamp(18px,2.5vw,24px);font-weight:700;color:var(--white);line-height:1.5;margin-bottom:16px;position:relative;}
    .phil-quote-text em{color:var(--gold);font-style:normal;}
    .phil-quote-attr{font-size:13px;color:rgba(255,255,255,.5);position:relative;}
    .phil-quote-attr strong{color:rgba(255,255,255,.8);}

    /* PROCESS STEPS */
    .process-grid{display:flex;flex-direction:column;gap:0;border:1px solid var(--gray-200);border-radius:var(--rl);overflow:hidden;margin-top:32px;}
    .process-step{display:grid;grid-template-columns:72px 1fr;gap:0;border-bottom:1px solid var(--gray-100);transition:background var(--t);}
    .process-step:last-child{border-bottom:none;}
    .process-step:hover{background:var(--g50);}
    .process-step-num{display:flex;align-items:center;justify-content:center;background:var(--g50);border-right:1px solid var(--gray-100);font-size:20px;font-weight:800;color:var(--g200);padding:28px 0;}
    .process-step:hover .process-step-num{color:var(--g700);}
    .process-step-body{padding:24px 28px;}
    .process-step-title{font-size:15px;font-weight:700;color:var(--gray-900);margin-bottom:6px;}
    .process-step-text{font-size:13.5px;color:var(--gray-600);line-height:1.75;}

    /* CRITERIA CARDS */
    .criteria-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px;}
    .criteria-card{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--rl);padding:24px 22px;}
    .criteria-card-icon{width:44px;height:44px;background:var(--g50);border:1px solid var(--g200);border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:14px;}
    .criteria-card-icon svg{width:20px;height:20px;color:var(--g700);}
    .criteria-card h4{font-size:14px;font-weight:700;color:var(--gray-900);margin-bottom:8px;}
    .criteria-card p{font-size:13px;color:var(--gray-600);line-height:1.7;}

    /* WISDOM QUOTES */
    .quotes-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:32px;}
    .quote-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--rl);padding:28px 26px;position:relative;transition:all var(--t);}
    .quote-card:hover{border-color:var(--g200);box-shadow:0 4px 20px rgba(13,71,161,.09);transform:translateY(-2px);}
    .quote-card::before{content:'"';position:absolute;top:12px;right:18px;font-size:72px;color:var(--g50);font-family:Georgia,serif;line-height:1;pointer-events:none;}
    .quote-card-text{font-size:14px;color:var(--gray-700);line-height:1.75;font-style:italic;margin-bottom:18px;position:relative;}
    .quote-card-attr{font-size:12px;font-weight:700;color:var(--g700);text-transform:uppercase;letter-spacing:.5px;}

    /* 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:var(--white);}
    .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:var(--white);}
    .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:var(--white);}
    .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;}.footer-grid{grid-template-columns:1fr 1fr;gap:32px;}.ip-layout{grid-template-columns:1fr;}.sidebar{position:static;}}
    @media(max-width:700px){.footer-grid{grid-template-columns:1fr;}.criteria-grid{grid-template-columns:1fr;}.phil-quote{padding:32px 28px;}.quotes-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{font-size:15px !important; color:var(--gray-600) !important; line-height:1.85 !important; margin-bottom:14px !important}
.ip4{color:#1f2937 !important}
.ip5{font-size:15px !important; color:var(--gray-600) !important; line-height:1.85 !important}
.ip6{font-size:15px !important; color:var(--gray-600) !important; line-height:1.85 !important; margin-bottom:24px !important}
.ip7{font-size:15px !important; color:var(--gray-600) !important; line-height:1.85 !important; margin-bottom:8px !important}