:root{--primary:#2f4d7a;--primary-deep:#1b2b54;--primary-2:#3f74b3;--accent:#d99a2b;--accent-ink:#8a6010;--ink:#26303f;--ink-soft:#48526a;--muted:#6b7689;--line:#e3e8f1;--line-soft:#eef1f7;--bg:#f4f6fa;--surface:#fff;--radius:16px;--maxw:1180px;--shadow-sm:0 1px 2px rgba(20,30,60,.05),0 2px 10px rgba(20,30,60,.05);--shadow-md:0 6px 18px rgba(20,30,60,.08),0 18px 44px rgba(20,30,60,.09);--font-head:"Newsreader",Georgia,serif;--font-body:Arial,Helvetica,sans-serif}
  *{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}
  body{font-family:var(--font-body);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
  h1,h2,h3,h4{font-family:var(--font-head);font-weight:500;line-height:1.14;color:var(--primary-deep);letter-spacing:-.01em}
  a{color:inherit;text-decoration:none}img{max-width:100%;display:block}
  .wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 28px}
  .eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--primary-2)}
  .eyebrow::before{content:"";width:22px;height:2px;background:var(--accent);display:inline-block}
  .btn{display:inline-flex;align-items:center;gap:10px;font-family:var(--font-body);font-weight:700;font-size:15px;padding:15px 26px;border-radius:999px;border:1px solid transparent;cursor:pointer;transition:transform .15s,box-shadow .2s,background .2s,color .2s;white-space:nowrap}
  .btn-primary{background:var(--accent);color:#3a2a06;box-shadow:0 6px 18px rgba(217,154,43,.35)}
  .btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(217,154,43,.45)}
  .btn-ghost{background:transparent;color:var(--primary);border-color:var(--line)}
  .btn-ghost:hover{background:var(--surface);border-color:var(--primary-2);color:var(--primary-deep)}
  .btn-light{background:rgba(255,255,255,.14);color:#fff;border-color:rgba(255,255,255,.3)}
  .btn-light:hover{background:rgba(255,255,255,.22);transform:translateY(-2px)}
  .btn svg{width:17px;height:17px}
  header{position:sticky;top:0;z-index:60;background:rgba(244,246,250,.85);backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid transparent;transition:border-color .25s,box-shadow .25s}
  header.scrolled{border-color:var(--line);box-shadow:var(--shadow-sm)}
  .nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:16px}
  .brand{display:flex;align-items:center;gap:12px}
  .brand-logo{width:48px;height:48px;border-radius:50%;background:#fff;object-fit:contain;flex:none;box-shadow:var(--shadow-sm)}
  .brand-text{display:flex;flex-direction:column;line-height:1.12}
  .brand-name{font-family:var(--font-head);font-size:17px;font-weight:600;color:var(--primary-deep);white-space:nowrap}
  .brand-sub{font-size:11px;letter-spacing:.04em;color:var(--muted);font-weight:600;white-space:nowrap}
  .nav-links{display:flex;align-items:center;gap:0}
  .nav-links a{font-size:13.5px;font-weight:600;color:var(--ink-soft);padding:9px 10px;border-radius:8px;transition:color .15s,background .15s;white-space:nowrap}
  .nav-links a:hover{color:var(--primary-deep);background:var(--surface)}
  .nav-links a.active{color:var(--primary-2)}
  .nav-cta{display:flex;align-items:center;gap:10px}
  .agentlogin{display:inline-flex;align-items:center;gap:7px;font-size:13px;font-weight:700;color:var(--primary-deep);border:1px solid var(--line);padding:9px 14px;border-radius:999px;transition:all .15s}
  .agentlogin:hover{border-color:var(--primary-2);color:var(--primary-2)}
  .agentlogin svg{width:14px;height:14px}
  .menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;cursor:pointer;color:var(--primary-deep)}
  .mobile-menu{display:none}
  section{padding:clamp(46px,5.5vw,76px) 0}
  .sec-head{max-width:740px;margin-bottom:36px}.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
  .sec-head h2{font-size:clamp(27px,3.4vw,40px);margin:14px 0 13px}.sec-head p{font-size:16.5px;color:var(--ink-soft)}
  .hero{position:relative;overflow:hidden;background:linear-gradient(180deg,#fff,var(--bg));border-bottom:1px solid var(--line-soft)}
  .hero-deco{position:absolute;border-radius:50%;z-index:0}
  .hero .wrap{position:relative;z-index:1;padding-top:clamp(46px,6vw,76px);padding-bottom:clamp(36px,4vw,52px)}
  .hero h1{font-size:clamp(38px,5vw,58px);margin:18px 0 18px}
  .hero p.lead{font-size:clamp(17px,1.5vw,20px);color:var(--ink-soft);max-width:64ch}
  /* feature cards */
  .cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .fcard{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px;box-shadow:var(--shadow-sm)}
  .fcard .fi{width:50px;height:50px;border-radius:13px;background:rgba(63,116,179,.1);color:var(--primary-2);display:grid;place-items:center;margin-bottom:20px}
  .fcard .fi svg{width:25px;height:25px}
  .fcard h3{font-size:19px;margin-bottom:9px}.fcard p{font-size:14.6px;color:var(--ink-soft)}
  /* dashboard panel */
  .dash{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--primary-2),var(--primary-deep));color:#fff;border-radius:24px;padding:clamp(34px,4.5vw,56px);box-shadow:var(--shadow-md);text-align:center}
  .dash .lock{width:60px;height:60px;border-radius:16px;background:rgba(217,154,43,.22);color:#e7b85a;display:grid;place-items:center;margin:0 auto 20px}
  .dash .lock svg{width:30px;height:30px}
  .dash h2{color:#fff;font-size:clamp(26px,3.2vw,38px);margin-bottom:14px}
  .dash p{color:#eaf0fb;font-size:16.5px;max-width:56ch;margin:0 auto 26px}
  .dash .deco{position:absolute;width:320px;height:320px;border-radius:50%;background:rgba(255,255,255,.06)}
  .dash .enquireline{margin-top:18px;font-size:14.5px;color:#cdd9f0}
  .dash .enquireline a{color:#fff;font-weight:700;text-decoration:underline}
  /* becoming a partner */
  .partner{display:grid;grid-template-columns:1.5fr 1fr;gap:30px;align-items:center;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(28px,3.5vw,44px);box-shadow:var(--shadow-sm)}
  .partner h2{font-size:clamp(24px,3vw,34px);margin-bottom:14px}.partner p{font-size:15.5px;color:var(--ink-soft);margin-bottom:12px}
  .partner .pcta{display:flex;justify-content:flex-end}
  /* privacy note */
  .privacy{display:flex;gap:16px;align-items:flex-start;background:var(--line-soft);border:1px solid var(--line);border-left:3px solid var(--accent);border-radius:0 14px 14px 0;padding:24px 26px}
  .privacy .pi{width:44px;height:44px;border-radius:11px;flex:none;background:rgba(217,154,43,.15);color:var(--accent-ink);display:grid;place-items:center}
  .privacy .pi svg{width:22px;height:22px}
  .privacy h3{font-size:16px;margin-bottom:7px}
  .privacy p{font-size:14px;color:var(--ink-soft)}
  .privacy a{color:var(--primary-2);font-weight:700;text-decoration:underline}
  footer{background:var(--primary-deep);color:#cdd9f0;padding-top:56px;margin-top:10px}
  .foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;padding-bottom:40px}
  .foot-brand .brand-name{color:#fff}.foot-brand .brand-sub{color:#9fb0d4}.foot-brand p{font-size:14px;color:#aebbd6;max-width:38ch;margin-top:16px}
  .foot-col h5{font-size:12.5px;text-transform:uppercase;letter-spacing:.1em;color:#8294b8;margin-bottom:16px;font-weight:800}
  .foot-col a,.foot-col p{display:block;font-size:14px;color:#c2cde4;margin-bottom:11px}.foot-col a:hover{color:#fff}
  .foot-bottom{border-top:1px solid rgba(255,255,255,.12);padding:20px 0}
  .foot-bottom .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}.foot-bottom p{font-size:12.5px;color:#8294b8}
  @media(max-width:1080px){.nav-links a{padding:9px 8px;font-size:13px}}
  @media(max-width:980px){.nav-links,.nav-cta .btn{display:none}.menu-btn{display:grid;place-items:center}.cards-3{grid-template-columns:1fr}.partner{grid-template-columns:1fr}.partner .pcta{justify-content:flex-start}.foot-grid{grid-template-columns:1fr 1fr}
    .mobile-menu.open{display:block;position:fixed;inset:76px 0 0;background:var(--bg);z-index:55;padding:24px 28px;border-top:1px solid var(--line);overflow:auto}.mobile-menu.open a{display:block;padding:14px 0;font-size:17px;font-weight:600;border-bottom:1px solid var(--line-soft);color:var(--ink)}.mobile-menu.open .btn{margin-top:20px;width:100%;justify-content:center}}
  @media(max-width:640px){.cards-3,.foot-grid{grid-template-columns:1fr}.wrap{padding:0 20px}.privacy{flex-direction:column}}