:root {
    --karma-blue: #1a4fba;
    --karma-blue-bright: #1e63e8;
    --karma-blue-light: #3a7bd5;
    --karma-blue-deep: #0d3590;
    --karma-blue-glow: rgba(30, 99, 232, 0.25);
    --karma-blue-ultra: #4a90e2;
    --glass-bg: rgba(255,255,255,0.12);
    --glass-bg-strong: rgba(255,255,255,0.18);
    --glass-bg-heavy: rgba(255,255,255,0.22);
    --glass-border: rgba(255,255,255,0.35);
    --glass-border-subtle: rgba(255,255,255,0.18);
    --glass-shadow: 0 8px 32px rgba(13, 53, 144, 0.18), 0 1.5px 0 rgba(255,255,255,0.3) inset;
    --glass-shadow-lg: 0 20px 60px rgba(13, 53, 144, 0.22), 0 1.5px 0 rgba(255,255,255,0.28) inset;
    --text-white: #ffffff;
    --text-light: rgba(255,255,255,0.85);
    --text-muted: rgba(255,255,255,0.6);
    --section-bg: #f0f5ff;
    --section-bg-alt: #ffffff;
  }

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

  html { scroll-behavior: smooth; }

  body {
    font-family: 'DM Sans', sans-serif;
    background: #f0f5ff;
    color: #1a1a2e;
    overflow-x: hidden;
  }

  /* ─── HERO BG ─── */
  .hero-bg {
    background: linear-gradient(135deg, #0a2472 0%, #1a4fba 50%, #1e63e8 100%);
    position: relative;
    overflow: hidden;
    border-radius: 0 0 80px 80px;
  }
  .hero-bg::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
      radial-gradient(circle at 1px 1px, rgba(255,255,255,0.07) 1px, transparent 0) 0 0 / 40px 40px,
      radial-gradient(ellipse 900px 600px at 80% 20%, rgba(74,144,226,0.35) 0%, transparent 60%),
      radial-gradient(ellipse 600px 400px at 10% 80%, rgba(30,99,232,0.3) 0%, transparent 55%),
      radial-gradient(ellipse 400px 300px at 50% 50%, rgba(255,255,255,0.04) 0%, transparent 60%);
    pointer-events: none;
    z-index: 1;
  }
  .hero-bg::after {
    content: '';
    position: absolute;
    inset: 0;
    background: url('/hero-overlay.webp') center / cover no-repeat;
    opacity: 0.2;
    pointer-events: none;
  }

  /* ─── FLOATING NAV WRAPPER ─── */
  .nav-wrapper {
    position: fixed;
    top: 18px;
    left: 50%;
    transform: translateX(-50%);
    width: min(1700px, calc(100% - 32px));
    z-index: 1000;
  }

  /* ─── GLASSMORPHISM NAV PILL - frosted white always ─── */
  nav.glass-nav {
    background: rgba(255,255,255,0.72);
    backdrop-filter: blur(48px) saturate(180%);
    -webkit-backdrop-filter: blur(48px) saturate(180%);
    border: 1.5px solid rgba(26,79,186,0.14);
    border-radius: 100px;
    padding: 0 20px 0 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 68px;
    box-shadow: 0 6px 32px rgba(13,53,144,0.12), 0 1px 0 rgba(255,255,255,0.7) inset;
    transition: background 0.3s, border-color 0.3s, box-shadow 0.3s;
    position: relative;
    overflow: hidden;
  }
  /* Soft white radial glow that sits behind the logo, clipped by the nav pill */
  nav.glass-nav::before {
    content: '';
    position: absolute;
    left: 92px;
    top: 50%;
    transform: translate(-50%, -50%);
    width: 320px;
    height: 130px;
    background: radial-gradient(ellipse at center, rgba(255,255,255,0.9) 0%, rgba(255,255,255,0.5) 28%, rgba(255,255,255,0) 58%);
    filter: blur(8px);
    border-radius: 50%;
    z-index: 0;
    pointer-events: none;
  }
  /* Nav links & CTAs - dark text on white frosted glass pill */
  nav.glass-nav .nav-link { color: #1a2a5e; }
  nav.glass-nav .nav-link:hover,
  nav.glass-nav .nav-link.active-trigger { background: rgba(26,79,186,0.09); color: #0d3590; }
  nav.glass-nav .nav-cta-outline { color: #1a4fba; border-color: rgba(26,79,186,0.4); }
  nav.glass-nav .nav-cta-outline:hover { background: rgba(26,79,186,0.08); color: #0d3590; border-color: rgba(26,79,186,0.6); }
  nav.glass-nav .nav-cta-primary { background: #1e63e8; color: #fff; box-shadow: 0 2px 14px rgba(30,99,232,0.5); }
  nav.glass-nav .nav-cta-primary:hover { background: #2d78ff; transform: translateY(-1px); box-shadow: 0 5px 20px rgba(30,99,232,0.6); }

  .nav-logo { display: flex; align-items: center; text-decoration: none; flex-shrink: 0; position: relative; }
  .nav-logo-img {
    position: relative;
    z-index: 1;
    height: 65.5px; /* enlarged 30% at top (non-scrolled) */
    width: auto;
    display: block;
    padding: 8px 0; /* 8px top & bottom breathing room when not scrolled */
    transition: height 0.3s, padding 0.3s;
    /* Logo has a white/light background - keep it crisp on frosted nav */
    filter: drop-shadow(0 1px 3px rgba(13,53,144,0.15));
  }
  /* Shrink the logo back to its base size once the user scrolls */
  nav.glass-nav.scrolled .nav-logo-img { height: 54.6px; padding: 0; }
  /* Colored logo always shown on the white frosted nav */
  .nav-logo-default { display: none; }
  .nav-logo-scrolled { display: block; filter: none; }

  .nav-links {
    display: flex;
    align-items: center;
    gap: 4px;
    list-style: none;
  }
  .nav-links > li { position: static; }
  .nav-link {
    color: rgba(255,255,255,0.92);
    text-decoration: none;
    font-size: 14.5px;
    font-weight: 500;
    padding: 8px 14px;
    border-radius: 50px;
    display: flex; align-items: center; gap: 5px;
    transition: all 0.2s;
    white-space: nowrap;
    cursor: pointer;
    user-select: none;
  }
  .nav-link:hover,
  .nav-link.active-trigger { background: rgba(255,255,255,0.18); color: #fff; }
  .nav-link .chevron {
    width: 14px; height: 14px; opacity: 0.7;
    transition: transform 0.25s;
  }
  .nav-link.active-trigger .chevron { transform: rotate(180deg); }

  /* ─── MEGA MENU - un-nested, fixed to viewport ─── */
  /* Lives directly in <body>, positioned via JS.      */
  /* backdrop-filter works freely with no parent clip. */
  .mega-menu {
    position: fixed;
    top: 0; /* JS sets this */
    left: 0; /* JS sets this - no CSS centering needed */
    transform: translateY(-10px);
    z-index: 999; /* just under nav-wrapper (1000) but above everything else */

    /* True glassmorphism: isolated from any pill container */
    background: rgba(15, 30, 80, 0.55);
    backdrop-filter: blur(48px) saturate(220%) brightness(1.1);
    -webkit-backdrop-filter: blur(48px) saturate(220%) brightness(1.1);
    border: 1.5px solid rgba(255,255,255,0.22);
    border-radius: 24px;
    box-shadow:
      0 32px 80px rgba(10, 36, 114, 0.45),
      0 2px 0 rgba(255,255,255,0.28) inset,
      0 -1px 0 rgba(255,255,255,0.08) inset;
    overflow: hidden;

    opacity: 0;
    pointer-events: none;
    transition: opacity 0.22s ease, transform 0.22s ease;
    min-width: 580px;
  }
  .mega-menu.is-open {
    opacity: 1;
    pointer-events: all;
    transform: translateY(0);
  }

  /* Scrolled state - nav has gone white, menus should too */
  .mega-menu.scrolled-state {
    background: rgba(245, 248, 255, 0.82);
    border-color: rgba(26, 79, 186, 0.2);
    box-shadow: 0 24px 60px rgba(13,53,144,0.18);
  }
  .mega-menu.scrolled-state .mega-item { color: #1a2a5e; }
  .mega-menu.scrolled-state .mega-item:hover { background: rgba(26,79,186,0.09); color: #0d3590; }
  .mega-menu.scrolled-state .mega-icon { background: rgba(26,79,186,0.1); border-color: rgba(26,79,186,0.2); }
  .mega-menu.scrolled-state .mega-icon svg { color: #1a4fba; }
  .mega-menu.scrolled-state .mega-menu-label { color: rgba(13,53,144,0.45); }
  .mega-menu.scrolled-state .mega-cta-strip { background: linear-gradient(90deg, #1a4fba, #1e63e8); }
  .mega-menu.scrolled-state .mega-cta-text { color: #fff; }

  .mega-menu-inner { padding: 24px 24px 0; }
  .mega-menu-label {
    font-size: 10.5px;
    font-weight: 700;
    letter-spacing: 1.6px;
    text-transform: uppercase;
    color: rgba(255,255,255,0.45);
    margin-bottom: 14px;
    padding: 0 4px;
  }
  .mega-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4px;
    padding-bottom: 18px;
  }
  .mega-grid-3col { grid-template-columns: 1fr 1fr 1fr; }

  /* ─── MEGA MENU TABS (Processing Types) ─── */
  .mega-tabs {
    display: flex;
    gap: 6px;
    margin-bottom: 16px;
    padding: 0 4px;
  }
  .mega-tab {
    font-family: 'DM Sans', sans-serif;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.3px;
    padding: 8px 18px;
    border-radius: 50px;
    border: 1px solid rgba(255,255,255,0.22);
    background: rgba(255,255,255,0.08);
    color: rgba(255,255,255,0.82);
    cursor: pointer;
    transition: all 0.18s;
  }
  .mega-tab:hover { background: rgba(255,255,255,0.16); color: #fff; }
  .mega-tab.active {
    background: #1e63e8;
    border-color: #1e63e8;
    color: #fff;
    box-shadow: 0 2px 12px rgba(30,99,232,0.45);
  }
  .mega-panel { display: none; }
  .mega-panel.active { display: block; }
  .mega-menu.scrolled-state .mega-tab {
    background: rgba(26,79,186,0.07);
    border-color: rgba(26,79,186,0.18);
    color: #1a4fba;
  }
  .mega-menu.scrolled-state .mega-tab:hover { background: rgba(26,79,186,0.14); color: #0d3590; }
  .mega-menu.scrolled-state .mega-tab.active { background: #1e63e8; border-color: #1e63e8; color: #fff; }
  .mega-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 12px;
    border-radius: 12px;
    text-decoration: none;
    color: rgba(255,255,255,0.88);
    transition: all 0.18s;
    font-size: 14px;
    font-weight: 500;
  }
  .mega-item:hover {
    background: rgba(255,255,255,0.14);
    color: #fff;
    transform: translateX(2px);
  }
  .mega-icon {
    width: 36px; height: 36px;
    background: rgba(255,255,255,0.12);
    border: 1px solid rgba(255,255,255,0.22);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
    transition: background 0.18s, border-color 0.18s;
  }
  .mega-item:hover .mega-icon {
    background: rgba(30, 99, 232, 0.6);
    border-color: rgba(30, 99, 232, 0.5);
  }
  .mega-icon svg { width: 17px; height: 17px; color: #7ab8ff; transition: color 0.18s; }
  .mega-item:hover .mega-icon svg { color: #fff; }

  /* ─── MEGA CTA STRIP ─── */
  .mega-cta-strip {
    background: rgba(13, 53, 144, 0.6);
    border-top: 1px solid rgba(255,255,255,0.14);
    padding: 14px 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
  }
  .mega-cta-text {
    color: rgba(255,255,255,0.88);
    font-size: 13.5px;
    font-weight: 600;
  }
  .mega-cta-btn {
    background: #2d78ff;
    color: #fff;
    border: none;
    padding: 9px 20px;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 700;
    cursor: pointer;
    text-decoration: none;
    box-shadow: 0 2px 14px rgba(30,99,232,0.55);
    transition: all 0.2s;
    white-space: nowrap;
    font-family: 'DM Sans', sans-serif;
  }
  .mega-cta-btn:hover {
    background: #1a4fba;
    transform: translateY(-1px);
    box-shadow: 0 5px 20px rgba(30,99,232,0.65);
  }

  /* Backdrop overlay that closes menu on outside click */
  .mega-backdrop {
    position: fixed;
    inset: 0;
    z-index: 998;
    display: none;
  }
  .mega-backdrop.is-active { display: block; }

  /* ─── MOBILE HAMBURGER TOGGLE (hidden on desktop) ─── */
  .nav-toggle {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 44px;
    height: 44px;
    padding: 0 10px;
    border: 1.5px solid rgba(26,79,186,0.22);
    border-radius: 14px;
    background: rgba(26,79,186,0.06);
    cursor: pointer;
    flex-shrink: 0;
    transition: background 0.2s ease, border-color 0.2s ease;
  }
  .nav-toggle:hover { background: rgba(26,79,186,0.12); }
  .nav-toggle-bar {
    display: block;
    width: 100%;
    height: 2.5px;
    border-radius: 4px;
    background: #1a4fba;
    transition: transform 0.28s ease, opacity 0.2s ease;
  }
  .nav-toggle.is-active .nav-toggle-bar:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
  .nav-toggle.is-active .nav-toggle-bar:nth-child(2) { opacity: 0; }
  .nav-toggle.is-active .nav-toggle-bar:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

  /* ─── MOBILE SLIDE-DOWN MENU (glossy, mirrors mega menu) ─── */
  .mm-panel {
    position: fixed;
    top: 0; /* JS sets this just below the nav */
    left: 16px;
    right: 16px;
    z-index: 999;
    max-height: calc(100vh - 110px);
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    /* Glassmorphism - matches the white "scrolled-state" mega menu */
    background: rgba(245, 248, 255, 0.9);
    backdrop-filter: blur(48px) saturate(200%);
    -webkit-backdrop-filter: blur(48px) saturate(200%);
    border: 1.5px solid rgba(26, 79, 186, 0.2);
    border-radius: 24px;
    box-shadow:
      0 28px 70px rgba(13,53,144,0.22),
      0 2px 0 rgba(255,255,255,0.6) inset;
    opacity: 0;
    pointer-events: none;
    transform: translateY(-12px);
    transition: opacity 0.26s ease, transform 0.26s ease;
  }
  .mm-panel.is-open {
    opacity: 1;
    pointer-events: all;
    transform: translateY(0);
  }
  .mm-inner { padding: 10px; }

  /* Accordion sections */
  .mm-section { border-bottom: 1px solid rgba(26,79,186,0.1); }
  .mm-acc {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
    padding: 16px 12px;
    border: none;
    background: transparent;
    font-family: 'DM Sans', sans-serif;
    font-size: 16px;
    font-weight: 700;
    color: #0d3590;
    cursor: pointer;
    text-align: left;
  }
  .mm-chevron {
    width: 18px; height: 18px;
    color: #1a4fba;
    flex-shrink: 0;
    transition: transform 0.25s ease;
  }
  .mm-section.open > .mm-acc > .mm-chevron { transform: rotate(180deg); }
  .mm-acc-body {
    display: grid;
    grid-template-rows: 0fr;
    transition: grid-template-rows 0.3s ease;
  }
  .mm-acc-body > .mm-acc-inner {
    overflow: hidden;
    min-height: 0;
  }
  .mm-section.open > .mm-acc-body { grid-template-rows: 1fr; }
  .mm-acc-inner { padding: 0 6px 10px; }
  .mm-acc-title { display: inline-flex; align-items: center; }

  /* Nested risk-level sub-accordions inside Processing Types */
  .mm-subsection { border-bottom: none; }
  .mm-subsection + .mm-subsection { border-top: 1px solid rgba(26,79,186,0.08); }
  .mm-acc-inner > .mm-subsection:first-child { border-top: none; }
  .mm-acc-sub {
    font-size: 14.5px;
    font-weight: 600;
    padding: 13px 8px;
    color: #1a2a5e;
  }
  .mm-acc-sub .mm-chevron { width: 16px; height: 16px; }
  .mm-dot {
    width: 9px; height: 9px;
    border-radius: 50%;
    display: inline-block;
    margin-right: 9px;
    flex-shrink: 0;
  }

  /* Items reuse the mega-item look, light theme */
  .mm-panel .mega-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 11px 10px;
    border-radius: 12px;
    text-decoration: none;
    color: #1a2a5e;
    font-size: 14.5px;
    font-weight: 500;
    transition: background 0.18s ease, color 0.18s ease;
  }
  .mm-panel .mega-item:active { background: rgba(26,79,186,0.12); color: #0d3590; }
  .mm-panel .mega-icon {
    width: 34px; height: 34px;
    background: rgba(26,79,186,0.1);
    border: 1px solid rgba(26,79,186,0.2);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
  }
  .mm-panel .mega-icon svg { width: 16px; height: 16px; color: #1a4fba; }

  /* Direct links (About / Partners / Contact) */
  .mm-link {
    display: block;
    padding: 16px 12px;
    border-bottom: 1px solid rgba(26,79,186,0.1);
    font-family: 'DM Sans', sans-serif;
    font-size: 16px;
    font-weight: 700;
    color: #0d3590;
    text-decoration: none;
  }
  .mm-link:active { color: #1a4fba; }

  /* Apply Now strip pinned at the bottom of the menu */
  .mm-cta {
    position: sticky;
    bottom: 0;
    padding: 14px 6px 12px;
    margin-top: 4px;
    background: linear-gradient(to top, rgba(245,248,255,0.97) 62%, rgba(245,248,255,0));
  }
  .mm-cta-btn {
    display: block;
    width: 100%;
    text-align: center;
    background: linear-gradient(135deg, #1e63e8 0%, #1a4fba 100%);
    color: #fff;
    padding: 15px 20px;
    border-radius: 14px;
    font-family: 'DM Sans', sans-serif;
    font-size: 15.5px;
    font-weight: 800;
    text-decoration: none;
    box-shadow: 0 6px 20px rgba(30,99,232,0.4);
  }
  body.mm-lock { overflow: hidden; }

  /* ─── NAV CTA BUTTONS ─── */
  .nav-cta-group { display: flex; gap: 8px; align-items: center; flex-shrink: 0; }
  .nav-cta-outline {
    color: rgba(255,255,255,0.92);
    border: 1.5px solid rgba(255,255,255,0.45);
    background: transparent;
    padding: 8px 16px;
    border-radius: 50px;
    font-size: 13.5px;
    font-weight: 600;
    cursor: pointer;
    text-decoration: none;
    transition: all 0.2s;
    white-space: nowrap;
  }
  .nav-cta-outline:hover { background: rgba(255,255,255,0.15); color: #fff; }
  .nav-cta-primary {
    background: linear-gradient(135deg, #fff 0%, rgba(255,255,255,0.92) 100%);
    color: #1a4fba;
    border: none;
    padding: 9px 20px;
    border-radius: 50px;
    font-size: 13.5px;
    font-weight: 700;
    cursor: pointer;
    text-decoration: none;
    transition: all 0.2s;
    box-shadow: 0 2px 12px rgba(255,255,255,0.3);
    white-space: nowrap;
  }
  .nav-cta-primary:hover {
    transform: translateY(-1px);
    box-shadow: 0 4px 20px rgba(255,255,255,0.4);
  }
  /* nav-cta-primary scrolled state handled above */

  /* ─── HERO SECTION ─── */
  .hero {
    padding: 140px 24px 80px;
    position: relative;
    z-index: 1;
    max-width: min(1700px, calc(100% - 32px));
    margin: 0 auto;
  }
  .hero-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: center;
  }
  .hero-left { text-align: left; }
  .hero-right {
    display: flex;
    align-items: center;
    justify-content: center;
  }
  .hero-lottie {
    width: 100%;
    max-width: 520px;
    aspect-ratio: 1;
    filter: drop-shadow(0 20px 60px rgba(7,100,200,0.35));
  }
  .hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,0.14);
    backdrop-filter: blur(12px);
    border: 1px solid rgba(255,255,255,0.3);
    border-radius: 50px;
    padding: 7px 18px;
    font-size: 13px;
    font-weight: 600;
    color: rgba(255,255,255,0.9);
    letter-spacing: 0.5px;
    margin-bottom: 28px;
  }
  .hero-eyebrow-dot {
    width: 7px; height: 7px;
    background: #4aff8c;
    border-radius: 50%;
    box-shadow: 0 0 8px #4aff8c;
    animation: pulse 2s infinite;
  }
  @keyframes pulse {
    0%,100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.7; transform: scale(1.3); }
  }

  .hero h1 {
    font-family: 'Outfit', sans-serif;
    font-size: clamp(36px, 4.5vw, 68px);
    font-weight: 800;
    line-height: 1.08;
    color: #fff;
    letter-spacing: -2px;
    margin-bottom: 14px;
    max-width: 100%;
  }
  .hero h1 .text-gradient {
    background: linear-gradient(90deg, #00a1e6 0%, #10b3ff 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
  }
  .hero-subtitle {
    font-size: clamp(16px, 1.8vw, 19px);
    color: rgba(255,255,255,0.75);
    max-width: 540px;
    margin: 0 0 40px;
    line-height: 1.65;
    font-weight: 400;
  }
  .hero-rotating {
    font-family: 'Outfit', sans-serif;
    font-size: clamp(32px, 4vw, 52px);
    font-weight: 700;
    color: #7ab8ff;
    display: block;
    letter-spacing: -1px;
    min-height: 1.2em;
  }

  .hero-cta-group {
    display: flex;
    gap: 14px;
    justify-content: flex-start;
    flex-wrap: wrap;
    margin-bottom: 40px;
  }
  .btn-primary-hero {
    display: inline-block;
    max-width: 100%;
    text-align: center;
    background: #fff;
    color: #1a4fba;
    padding: 16px 36px;
    border-radius: 50px;
    font-size: 16px;
    font-weight: 700;
    text-decoration: none;
    box-shadow: 0 4px 24px rgba(255,255,255,0.35);
    transition: all 0.25s;
    border: none;
    cursor: pointer;
    font-family: 'DM Sans', sans-serif;
  }
  .btn-primary-hero:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 36px rgba(255,255,255,0.45);
    background: #f0f6ff;
  }
  .btn-teal-cta {
    background: linear-gradient(90deg, #00a1e6 0%, #10b3ff 100%);
    color: #fff;
    box-shadow: none;
  }
  .btn-teal-cta:hover {
    background: #fff;
    color: #1a4fba;
    box-shadow: none;
  }
  .btn-outline-hero {
    background: rgba(255,255,255,0.12);
    backdrop-filter: blur(12px);
    color: #fff;
    padding: 16px 36px;
    border-radius: 50px;
    font-size: 16px;
    font-weight: 600;
    text-decoration: none;
    border: 1.5px solid rgba(255,255,255,0.38);
    transition: all 0.25s;
    cursor: pointer;
    font-family: 'DM Sans', sans-serif;
  }
  .btn-outline-hero:hover {
    background: rgba(255,255,255,0.2);
    transform: translateY(-2px);
  }
  .btn-outline-hero.btn-solid-white {
    background: #fff;
    color: #1a4fba;
    border-color: #fff;
  }
  .btn-outline-hero.btn-solid-white:hover {
    background: #f0f6ff;
    color: #1a4fba;
    border-color: #f0f6ff;
  }
  .btn-teal-grad {
    background: linear-gradient(90deg, #00a1e6 0%, #10b3ff 100%);
    color: #fff;
    border-color: transparent;
    box-shadow: none;
  }
  .btn-teal-grad:hover {
    background: linear-gradient(90deg, #0091cf 0%, #0ea1e6 100%);
    color: #fff;
    border-color: transparent;
  }

  /* ─── HERO STATS ─── */
  .hero-stats {
    display: flex;
    gap: 10px;
    justify-content: flex-start;
    flex-wrap: wrap;
    margin-bottom: 0;
  }
  .hero-stat-card {
    background: rgba(255,255,255,0.11);
    backdrop-filter: blur(16px);
    border: 1px solid rgba(255,255,255,0.28);
    border-radius: 16px;
    padding: 14px 12px;
    text-align: center;
    flex: 1 1 0;
    min-width: 0;
    box-shadow: 0 4px 16px rgba(13,53,144,0.15), 0 1px 0 rgba(255,255,255,0.25) inset;
    transition: transform 0.2s;
  }
  .hero-stat-card:hover { transform: translateY(-3px); }
  .hero-stat-num {
    font-family: 'Outfit', sans-serif;
    font-size: 22px;
    font-weight: 800;
    color: #fff;
    display: block;
    white-space: nowrap;
  }
  .hero-stat-label { font-size: 11px; color: rgba(255,255,255,0.65); font-weight: 500; }

  /* ─── WAVE DIVIDER ─── */
  .wave-divider { display: block; line-height: 0; margin-bottom: -2px; }

  /* ─── TRUSTED BY STRIP ─── */
  .trusted-strip {
    background: #fff;
    padding: 28px 24px;
    text-align: center;
    border-bottom: 1px solid #e8effc;
  }
  .trusted-label {
    font-size: 11.5px;
    font-weight: 700;
    letter-spacing: 1.8px;
    text-transform: uppercase;
    color: #9aaac8;
    margin-bottom: 18px;
  }
  .trusted-logos {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 48px;
    flex-wrap: wrap;
  }
  .trusted-logo-img {
    height: 34.5px;
    width: auto;
    max-width: 152px;
    object-fit: contain;
    opacity: 1;
    transition: opacity 0.25s, transform 0.25s;
  }
  .trusted-logo-img:hover { transform: translateY(-2px); }

  /* ─── SECTIONS ─── */
  section { position: relative; }
  .section-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

  .section-eyebrow {
    display: inline-block;
    font-size: 11.5px;
    font-weight: 700;
    letter-spacing: 1.8px;
    text-transform: uppercase;
    color: #1a4fba;
    background: rgba(26,79,186,0.08);
    border: 1px solid rgba(26,79,186,0.18);
    border-radius: 50px;
    padding: 5px 14px;
    margin-bottom: 14px;
  }
  .section-title {
    font-family: 'Outfit', sans-serif;
    font-size: clamp(32px, 4vw, 48px);
    font-weight: 800;
    color: #0d1a3e;
    line-height: 1.15;
    letter-spacing: -1.2px;
    margin-bottom: 16px;
  }
  .section-desc {
    font-size: 17px;
    color: #5a6a8a;
    max-width: 620px;
    line-height: 1.7;
  }

  /* ─── WHY KARMA (5-feature) ─── */
  .why-section { background: #f0f5ff; padding: 90px 0; }
  .why-grid {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 20px;
    margin-top: 52px;
  }
  .why-card {
    flex: 0 1 calc(25% - 15px);
    background: rgba(255,255,255,0.7);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border: 1.5px solid rgba(255,255,255,0.9);
    border-radius: 20px;
    padding: 32px 28px;
    box-shadow: 0 4px 24px rgba(26,79,186,0.08), 0 1px 0 #fff inset;
    transition: all 0.25s;
    position: relative;
    overflow: hidden;
  }
  .why-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, #1a4fba, #1e63e8);
    border-radius: 20px 20px 0 0;
    opacity: 0;
    transition: opacity 0.25s;
  }
  .why-card:hover { transform: translateY(-5px); box-shadow: 0 12px 40px rgba(26,79,186,0.14); }
  .why-card:hover::before { opacity: 1; }
  .why-icon-wrap {
    width: 86.4px; height: 86.4px;
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 16px;
  }
  .why-icon-lottie { width: 86.4px; height: 86.4px; }
  .why-card h3 {
    font-family: 'Outfit', sans-serif;
    font-size: 18px;
    font-weight: 700;
    color: #0d1a3e;
    margin-bottom: 10px;
  }
  .why-card p { font-size: 14.5px; color: #5a6a8a; line-height: 1.65; }

  /* ─── HERO #1 SECTION ─── */
  .no1-section {
    background: linear-gradient(135deg, #0a2472 0%, #1a4fba 50%, #1e63e8 100%);
    padding: 100px 0;
    position: relative;
    overflow: hidden;
  }
  .no1-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
      radial-gradient(circle at 1px 1px, rgba(255,255,255,0.07) 1px, transparent 0) 0 0 / 40px 40px,
      radial-gradient(ellipse 900px 600px at 80% 20%, rgba(74,144,226,0.35) 0%, transparent 60%),
      radial-gradient(ellipse 600px 400px at 10% 80%, rgba(30,99,232,0.3) 0%, transparent 55%),
      radial-gradient(ellipse 400px 300px at 50% 50%, rgba(255,255,255,0.04) 0%, transparent 60%);
    pointer-events: none;
  }
  .no1-section::after {
    content: '';
    position: absolute;
    inset: 0;
    background: url('/hero-overlay.webp') center / cover no-repeat;
    opacity: 0.2;
    pointer-events: none;
  }
  .no1-inner {
    max-width: min(1700px, calc(100% - 32px)); margin: 0 auto; padding: 0 24px;
    display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center;
    position: relative; z-index: 1;
  }
  .no1-left .section-eyebrow { color: #7ab8ff; background: rgba(122,184,255,0.15); border-color: rgba(122,184,255,0.3); }
  .no1-left .section-title { color: #fff; }
  .no1-left .section-desc { color: rgba(255,255,255,0.75); max-width: 100%; }
  .no1-right {
    display: grid; grid-template-columns: 1fr 1fr; gap: 14px;
  }
  .no1-stat {
    background: rgba(255,255,255,0.1);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255,255,255,0.22);
    border-radius: 18px;
    padding: 24px 20px;
    text-align: center;
    box-shadow: 0 4px 20px rgba(13,53,144,0.2), 0 1px 0 rgba(255,255,255,0.2) inset;
    transition: all 0.25s;
  }
  .no1-stat:hover { transform: translateY(-4px); background: rgba(255,255,255,0.15); }
  .no1-stat-num {
    font-family: 'Outfit', sans-serif;
    font-size: 34px;
    font-weight: 800;
    color: #fff;
    display: block;
    margin-bottom: 4px;
  }
  .no1-stat-label { font-size: 13px; color: rgba(255,255,255,0.65); }
  .no1-cta {
    display: inline-flex; align-items: center; gap: 8px;
    background: #fff;
    color: #1a4fba;
    padding: 14px 28px;
    border-radius: 50px;
    font-size: 15px;
    font-weight: 700;
    text-decoration: none;
    margin-top: 28px;
    box-shadow: 0 4px 20px rgba(255,255,255,0.3);
    transition: all 0.2s;
  }
  .no1-cta:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(255,255,255,0.4); }

  /* ─── SOLUTIONS SECTION ─── */
  .solutions-section { background: #fff; padding: 100px 0; }
  .solutions-section .section-inner { max-width: min(1700px, calc(100% - 32px)); }
  .solutions-header { display: flex; justify-content: space-between; align-items: flex-end; margin-bottom: 52px; flex-wrap: wrap; gap: 20px; }
  .solutions-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
  .solution-card {
    background: #f8faff;
    border: 1.5px solid #e8effc;
    border-radius: 20px;
    padding: 30px 26px;
    transition: all 0.25s;
    cursor: pointer;
    text-decoration: none;
    color: inherit;
    display: block;
  }
  .solution-card:hover {
    border-color: rgba(26,79,186,0.4);
    box-shadow: 0 8px 32px rgba(26,79,186,0.1);
    transform: translateY(-4px);
    background: rgba(255,255,255,0.98);
  }
  .solution-icon {
    width: 46px; height: 46px;
    background: rgba(26,79,186,0.08);
    border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 16px;
    transition: background 0.2s;
  }
  .solution-card:hover .solution-icon { background: linear-gradient(135deg, #00a1e6, #10b3ff); }
  .solution-card:hover .solution-icon svg { stroke: #fff; }
  .solution-icon svg { width: 22px; height: 22px; stroke: url(#tealGrad); transition: stroke 0.2s; }
  .solution-card h3 { font-family: 'Outfit', sans-serif; font-size: 17px; font-weight: 700; color: #0d1a3e; margin-bottom: 8px; }
  .solution-card p { font-size: 13.5px; color: #6a7a9a; line-height: 1.6; }
  .solution-arrow { color: #1a4fba; margin-top: 14px; font-size: 18px; opacity: 0; transition: opacity 0.2s; }
  .solution-card:hover .solution-arrow { opacity: 1; }

  /* ─── RISK LEVEL SECTION ─── */
  .risk-section { background: #f0f5ff; padding: 100px 0; }
  .risk-tabs {
    display: flex;
    gap: 10px;
    margin: 40px 0 36px;
    background: rgba(255,255,255,0.7);
    backdrop-filter: blur(16px);
    border: 1.5px solid rgba(255,255,255,0.9);
    border-radius: 50px;
    padding: 6px;
    width: fit-content;
    box-shadow: 0 2px 16px rgba(26,79,186,0.08);
  }
  .risk-tab {
    padding: 10px 28px;
    border-radius: 50px;
    font-size: 14.5px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.25s;
    color: #5a6a8a;
    border: none;
    background: transparent;
    font-family: 'DM Sans', sans-serif;
  }
  .risk-tab.active {
    background: linear-gradient(135deg, #1a4fba, #1e63e8);
    color: #fff;
    box-shadow: 0 4px 16px rgba(26,79,186,0.35);
  }
  .risk-content { display: none; }
  .risk-content.active { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: center; }
  .risk-content-left {}
  .risk-tag {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 7px 16px;
    border-radius: 50px;
    font-size: 12.5px;
    font-weight: 700;
    letter-spacing: 0.5px;
    margin-bottom: 20px;
  }
  .risk-tag.low { background: rgba(34,197,94,0.12); color: #15803d; border: 1px solid rgba(34,197,94,0.25); }
  .risk-tag.medium { background: rgba(234,179,8,0.12); color: #a16207; border: 1px solid rgba(234,179,8,0.25); }
  .risk-tag.high { background: rgba(239,68,68,0.1); color: #dc2626; border: 1px solid rgba(239,68,68,0.22); }
  .risk-content-left h3 {
    font-family: 'Outfit', sans-serif;
    font-size: 28px; font-weight: 800;
    color: #0d1a3e; margin-bottom: 14px;
  }
  .risk-content-left p { color: #5a6a8a; line-height: 1.7; margin-bottom: 20px; }
  .risk-features { list-style: none; display: flex; flex-direction: column; gap: 10px; }
  .risk-feature {
    display: flex; align-items: center; gap: 10px;
    font-size: 14.5px; color: #3a4a6a; font-weight: 500;
  }
  .risk-feature-dot {
    width: 22px; height: 22px; border-radius: 50%;
    background: linear-gradient(135deg, #1a4fba, #1e63e8);
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
  }
  .risk-feature-dot svg { width: 12px; height: 12px; color: #fff; }
  .risk-visual {
    background: rgba(255,255,255,0.65);
    backdrop-filter: blur(24px);
    border: 1.5px solid rgba(255,255,255,0.9);
    border-radius: 24px;
    padding: 36px;
    box-shadow: 0 8px 36px rgba(26,79,186,0.1), 0 2px 0 #fff inset;
    text-align: center;
  }
  .risk-visual-icon {
    width: 80px; height: 80px;
    margin: 0 auto 20px;
    background: linear-gradient(135deg, #1a4fba, #1e63e8);
    border-radius: 22px;
    display: flex; align-items: center; justify-content: center;
    box-shadow: 0 8px 28px rgba(26,79,186,0.4);
  }
  .risk-visual-icon svg { width: 38px; height: 38px; color: #fff; }
  .risk-visual h4 { font-family: 'Outfit', sans-serif; font-size: 20px; font-weight: 700; color: #0d1a3e; margin-bottom: 8px; }
  .risk-visual p { font-size: 14px; color: #6a7a9a; }
  .risk-visual-badges { display: flex; gap: 8px; flex-wrap: wrap; justify-content: center; margin-top: 20px; }
  .risk-badge {
    background: rgba(26,79,186,0.08);
    border: 1px solid rgba(26,79,186,0.15);
    color: #1a4fba;
    padding: 5px 12px;
    border-radius: 50px;
    font-size: 12px;
    font-weight: 600;
  }

  /* ─── INDUSTRIES SECTION ─── */
  .industries-section { background: #fff; padding: 100px 0; }
  .industries-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 14px;
    margin-top: 52px;
  }
  .industry-card {
    background: #f8faff;
    border: 1.5px solid #e8effc;
    border-radius: 16px;
    padding: 22px 16px;
    text-align: center;
    text-decoration: none;
    color: inherit;
    transition: all 0.22s;
    cursor: pointer;
  }
  .industry-card:hover {
    border-color: rgba(26,79,186,0.4);
    background: #fff;
    transform: translateY(-4px);
    box-shadow: 0 8px 28px rgba(26,79,186,0.1);
  }
  .industry-icon {
    width: 44px; height: 44px;
    background: rgba(26,79,186,0.08);
    border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 12px;
    transition: background 0.2s;
  }
  .industry-card:hover .industry-icon { background: linear-gradient(90deg, #00a1e6 0%, #10b3ff 100%); }
  .industry-card:hover .industry-icon svg { stroke: #fff; }
  .industry-icon svg { width: 20px; height: 20px; stroke: url(#tealGrad); transition: stroke 0.2s; }
  .industry-card span { font-size: 13px; font-weight: 600; color: #2a3a5a; }

  /* ─── INTEGRATIONS STRIP ─── */
  .integrations-section { background: #f0f5ff; padding: 80px 0; overflow: hidden; }
  .integrations-scroll-wrap { overflow: hidden; position: relative; }
  .integrations-scroll-wrap::before,
  .integrations-scroll-wrap::after {
    content: '';
    position: absolute; top: 0; bottom: 0; width: 120px;
    z-index: 2; pointer-events: none;
  }
  .integrations-scroll-wrap::before { left: 0; background: linear-gradient(90deg, #f0f5ff, transparent); }
  .integrations-scroll-wrap::after { right: 0; background: linear-gradient(270deg, #f0f5ff, transparent); }
  .integrations-track {
    display: flex;
    gap: 24px;
    animation: scroll-track 22s linear infinite;
    width: max-content;
  }
  @keyframes scroll-track {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
  }
  .integration-chip {
    background: rgba(255,255,255,0.75);
    backdrop-filter: blur(12px);
    border: 1.5px solid rgba(255,255,255,0.9);
    border-radius: 50px;
    padding: 12px 22px;
    font-size: 14px;
    font-weight: 700;
    color: #3a4a6a;
    white-space: nowrap;
    box-shadow: 0 2px 12px rgba(26,79,186,0.07);
    display: flex; align-items: center; gap: 8px;
  }
  .integration-chip-dot { width: 8px; height: 8px; background: #1a4fba; border-radius: 50%; }
  .integration-logo { height: 28px; width: auto; max-width: 160px; object-fit: contain; display: block; }
  .integration-logo.dark-tile { height: 40px; border-radius: 9px; }

  /* ─── KARMA DIFFERENCE ─── */
  .karma-diff-section { background: #f4f7fc; padding: 100px 0; }
  .karma-diff-inner {
    display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center;
  }
  .karma-diff-left .section-desc { margin-bottom: 18px; }
  .karma-diff-card {
    background: #fff;
    border: 1.5px solid #e8effc;
    border-radius: 24px;
    padding: 14px 10px;
    box-shadow: 0 12px 44px rgba(26,79,186,0.1);
    overflow-x: auto;
  }
  .karma-diff-table { width: 100%; border-collapse: collapse; }
  .karma-diff-table th, .karma-diff-table td {
    text-align: left; padding: 18px 18px; vertical-align: top;
  }
  .karma-diff-table thead th {
    font-family: 'Outfit', sans-serif;
    font-size: 14px; font-weight: 700; color: #0d1a3e;
    border-bottom: 1.5px solid #eef2fa;
    line-height: 1.35;
  }
  .karma-diff-table tbody tr { border-bottom: 1px solid #f0f4fb; }
  .karma-diff-table tbody tr:last-child { border-bottom: none; }
  .karma-diff-table tbody th {
    font-weight: 700; color: #0d1a3e; font-size: 14.5px; line-height: 1.35;
  }
  .karma-diff-yes { color: #16a34a; font-weight: 700; font-size: 14.5px; line-height: 1.35; }
  .karma-diff-no { color: #e0533d; font-weight: 600; font-size: 14.5px; line-height: 1.35; }
  @media (max-width: 980px) {
    .karma-diff-inner { grid-template-columns: 1fr; gap: 40px; }
  }
  @media (max-width: 600px) {
    .karma-diff-table th, .karma-diff-table td { padding: 12px 10px; font-size: 13px; }
    .karma-diff-table thead th, .karma-diff-table tbody th,
    .karma-diff-yes, .karma-diff-no { font-size: 13px; }
  }

  /* ─── TESTIMONIALS ─── */
  .testimonials-section { background: #fff; padding: 100px 0; }
  .testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 52px; }
  .testimonial-card {
    background: rgba(240,245,255,0.7);
    backdrop-filter: blur(16px);
    border: 1.5px solid rgba(255,255,255,0.9);
    border-radius: 20px;
    padding: 28px 26px;
    box-shadow: 0 4px 20px rgba(26,79,186,0.07);
    transition: transform 0.2s;
  }
  .testimonial-card:hover { transform: translateY(-4px); }
  .stars { display: flex; gap: 3px; margin-bottom: 14px; }
  .star { color: #f59e0b; font-size: 16px; }
  .testimonial-text { font-size: 15px; color: #3a4a6a; line-height: 1.7; margin-bottom: 18px; font-style: italic; }
  .testimonial-author { display: flex; align-items: center; gap: 12px; }
  .author-avatar {
    width: 61px; height: 61px; border-radius: 50%;
    object-fit: cover; flex-shrink: 0;
  }
  .author-name { font-weight: 700; font-size: 14px; color: #0d1a3e; }
  .author-role { font-size: 12px; color: #9aaac8; }

  /* ─── CTA BANNER ─── */
  .cta-banner {
    background: linear-gradient(135deg, #0a2472 0%, #1a4fba 50%, #1e63e8 100%);
    padding: 90px 0 210px;
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  .cta-banner::after {
    content: '';
    position: absolute;
    inset: 0;
    background: url('/hero-overlay.webp') center / cover no-repeat;
    opacity: 0.2;
    pointer-events: none;
  }
  .cta-banner::before {
    content: '';
    position: absolute; inset: 0;
    background:
      radial-gradient(circle at 1px 1px, rgba(255,255,255,0.07) 1px, transparent 0) 0 0 / 40px 40px,
      radial-gradient(ellipse 900px 600px at 80% 20%, rgba(74,144,226,0.35) 0%, transparent 60%),
      radial-gradient(ellipse 600px 400px at 10% 80%, rgba(30,99,232,0.3) 0%, transparent 55%),
      radial-gradient(ellipse 400px 300px at 50% 50%, rgba(255,255,255,0.04) 0%, transparent 60%);
    pointer-events: none;
  }
  .cta-banner-inner { max-width: min(1700px, calc(100% - 32px)); margin: 0 auto; padding: 0 24px; position: relative; z-index: 1; }
  .cta-banner h2 { font-family: 'Outfit', sans-serif; font-size: clamp(32px, 4vw, 52px); font-weight: 800; color: #fff; margin-bottom: 16px; letter-spacing: -1px; }
  .cta-banner p { font-size: 18px; color: rgba(255,255,255,0.75); margin-bottom: 36px; }
  .cta-banner-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
  .cta-form-glass {
    background: rgba(255,255,255,0.12);
    backdrop-filter: blur(24px);
    border: 1.5px solid rgba(255,255,255,0.3);
    border-radius: 20px;
    padding: 36px;
    width: 55%;
    margin: 40px auto 0;
    box-shadow: 0 8px 32px rgba(13,53,144,0.2), 0 1.5px 0 rgba(255,255,255,0.25) inset;
  }
  .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 12px; }
  .form-input {
    background: rgba(255,255,255,0.15);
    border: 1px solid rgba(255,255,255,0.35);
    border-radius: 10px;
    padding: 13px 16px;
    color: #fff;
    font-size: 14.5px;
    font-family: 'DM Sans', sans-serif;
    outline: none;
    transition: border-color 0.2s, background 0.2s;
    width: 100%;
  }
  .form-input::placeholder { color: rgba(255,255,255,0.5); }
  .form-input:focus { border-color: rgba(255,255,255,0.65); background: rgba(255,255,255,0.2); }
  .form-select {
    appearance: none;
    -webkit-appearance: none;
    -moz-appearance: none;
    cursor: pointer;
    padding-right: 40px;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23ffffff' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
  }
  .form-select:has(option[value=""]:checked) { color: rgba(255,255,255,0.5); }
  .form-select option { color: #10254a; background: #fff; }
  .form-submit {
    width: 100%;
    background: #fff;
    color: #1a4fba;
    border: none;
    padding: 15px;
    border-radius: 10px;
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    margin-top: 6px;
    font-family: 'DM Sans', sans-serif;
    transition: all 0.2s;
  }
  .form-submit:hover { background: #f0f6ff; transform: translateY(-1px); box-shadow: 0 4px 16px rgba(255,255,255,0.3); }

  /* ─── FOOTER (kf - light curved footer, single variant) ─── */
  .kf {
    --kf-fg: #0d1b3e;
    --kf-muted: rgba(8,15,46,0.6);
    --kf-faint: rgba(8,15,46,0.5);
    --kf-title: #0d1b3e;
    --kf-line: rgba(8,15,46,0.1);
    --kf-chip-bg: rgba(26,79,186,0.07);
    --kf-chip-bd: rgba(26,79,186,0.14);
    --kf-accent: #1a4fba;
    background: transparent;
    color: rgba(8,15,46,0.7);
    position: relative;
    z-index: 1;
    margin-top: -80px;
    padding: 72px 24px 32px;
  }
  .kf::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 160px;
    background: var(--footer-band-bg, #f0f5ff);
    z-index: -2;
  }
  .kf::after {
    content: '';
    position: absolute;
    inset: 0;
    background: #fff;
    border-radius: 160px 160px 0 0;
    z-index: -1;
  }
  .kf-inner { max-width: min(1700px, calc(100% - 32px)); margin: 0 auto; }
  .kf-top {
    display: grid;
    grid-template-columns: 1.7fr 1fr 1fr 1fr;
    gap: 40px;
    padding-bottom: 36px;
    border-bottom: 1px solid var(--kf-line);
  }
  .kf-logo { display: inline-flex; align-items: center; margin-bottom: 18px; text-decoration: none; }
  .kf-logo-img { height: 50px; width: auto; display: block; }
  .kf-eyebrow {
    font-family: 'Outfit', sans-serif;
    font-size: 11px; font-weight: 700; letter-spacing: 1.6px;
    text-transform: uppercase; color: rgba(8,15,46,0.45);
    margin: 0 0 16px;
  }
  .kf-tagline { font-size: 13.5px; line-height: 1.7; color: var(--kf-muted); max-width: 300px; margin: 0 0 22px; }
  .kf-cta {
    display: inline-block;
    background: linear-gradient(135deg, #1a4fba 0%, #2f9bff 100%);
    color: #fff; text-decoration: none;
    font-family: 'Outfit', sans-serif; font-weight: 600; font-size: 14px;
    padding: 12px 22px; border-radius: 10px;
    box-shadow: 0 10px 24px -10px rgba(26,79,186,0.5);
    transition: transform 0.2s, box-shadow 0.2s;
  }
  .kf-cta:hover { transform: translateY(-2px); box-shadow: 0 16px 30px -12px rgba(26,79,186,0.6); }
  .kf-col-title {
    font-family: 'Outfit', sans-serif;
    font-size: 14px; font-weight: 700; letter-spacing: 0.3px;
    color: var(--kf-title);
    margin: 0 0 16px;
  }
  .kf-links { list-style: none; display: flex; flex-direction: column; gap: 10px; padding: 0; margin: 0; }
  .kf-links a { color: rgba(8,15,46,0.6); text-decoration: none; font-size: 13.5px; transition: color 0.2s; }
  .kf-links a:hover { color: var(--kf-accent); }
  .kf-links a.kf-seeall { color: var(--kf-accent); font-weight: 600; }
  .kf-links a.kf-seeall:hover { color: var(--kf-accent); opacity: 0.78; }
  .kf-contact {
    display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 18px;
    padding: 24px 0;
  }
  .kf-contact-info { display: flex; flex-wrap: wrap; align-items: center; gap: 28px; }
  .kf-contact-info a { color: var(--kf-fg); text-decoration: none; font-size: 14px; font-weight: 500; transition: color 0.2s; }
  .kf-contact-info a:hover { color: var(--kf-accent); }
  .kf-social { display: flex; gap: 10px; }
  .kf-soc {
    width: 36px; height: 36px;
    background: var(--kf-chip-bg);
    border: 1px solid var(--kf-chip-bd);
    border-radius: 9px;
    display: flex; align-items: center; justify-content: center;
    transition: all 0.2s; text-decoration: none;
  }
  .kf-soc:hover { background: var(--kf-accent); border-color: var(--kf-accent); }
  .kf-soc svg { width: 16px; height: 16px; color: var(--kf-accent); }
  .kf-soc:hover svg { color: #fff; }
  .kf-badges { display: flex; flex-wrap: wrap; align-items: center; gap: 24px; justify-self: start; }
  .kf-badge { font-size: 13px; color: var(--kf-faint); }
  .kf-badge-ok { color: var(--kf-faint); }
  .kf-bottom {
    border-top: 1px solid var(--kf-line);
    padding-top: 24px;
    display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; gap: 12px;
  }
  .kf-copy { font-size: 12.5px; color: rgba(8,15,46,0.45); margin: 0; text-align: center; }
  .kf-end { display: flex; flex-direction: column; align-items: flex-end; gap: 6px; justify-self: end; }
  .kf-legal { display: flex; gap: 22px; }
  .kf-legal a { color: rgba(8,15,46,0.5); font-size: 12.5px; text-decoration: none; transition: color 0.2s; }
  .kf-legal a:hover { color: var(--kf-accent); }
  .kf-admin { color: rgba(8,15,46,0.38); font-size: 11.5px; text-decoration: none; transition: color 0.2s; }
  .kf-admin:hover { color: var(--kf-accent); }
  @media (max-width: 900px) {
    .kf-top { grid-template-columns: 1fr 1fr; gap: 32px 28px; }
    .kf-brand { grid-column: 1 / -1; }
  }
  @media (max-width: 560px) {
    .kf-top { grid-template-columns: 1fr; gap: 30px; }
    .kf-contact { flex-direction: column; align-items: flex-start; }
    .kf-bottom { grid-template-columns: 1fr; justify-items: center; }
    .kf-end { align-items: center; justify-self: center; }
  }

  /* ─── RESPONSIVE ─── */
  @media (max-width: 1024px) {
    .no1-inner { grid-template-columns: 1fr; gap: 40px; }
    .solutions-grid { grid-template-columns: repeat(2, 1fr); }
    .industries-grid { grid-template-columns: repeat(3, 1fr); }
    .testimonials-grid { grid-template-columns: 1fr 1fr; }
    .risk-content.active { grid-template-columns: 1fr; }
    .why-card { flex-basis: calc(50% - 10px); }
  }
  @media (max-width: 1024px) {
    .hero-inner { grid-template-columns: 1fr; }
    .hero-left { text-align: center; }
    .hero-subtitle { margin: 0 auto 40px; }
    .hero-cta-group { justify-content: center; }
    .hero-stats { justify-content: center; }
    .hero-right { display: none; }
  }
  @media (max-width: 1180px) {
    nav.glass-nav { padding: 0 18px; }
    .nav-link { font-size: 13.5px; padding: 8px 10px; }
    .nav-links { gap: 2px; }
  }
  @media (max-width: 768px) {
    nav.glass-nav { padding: 0 16px; }
    .nav-links { display: none; }
    .nav-cta-group { display: none; }
    .nav-toggle { display: flex; }
    .hero { padding: 130px 20px 80px; }
    /* Mobile: hide the stat band + eyebrow; move the hero image above the headline */
    .hero-stats { display: none; }
    .hero-eyebrow { display: none; }
    .hero-right {
      display: flex;
      order: -1;
      margin: 0 auto 16px;
    }
    .hero-lottie {
      max-width: 300px;
      margin: 0 auto;
    }
    /* Footer top corners match the homepage header's bottom radius (80px) */
    .kf::after { border-radius: 80px 80px 0 0; }
    .solutions-grid { grid-template-columns: 1fr; }
    .industries-grid { grid-template-columns: repeat(2, 1fr); }
    .testimonials-grid { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
    .why-card { flex-basis: 100%; }
    .cta-form-glass { width: 100%; }
  }

  /* ─── SCROLL ANIMATIONS ─── */
  .fade-up {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity 0.6s ease, transform 0.6s ease;
  }
  .fade-up.visible { opacity: 1; transform: translateY(0); }
  .fade-up:nth-child(2) { transition-delay: 0.1s; }
  .fade-up:nth-child(3) { transition-delay: 0.2s; }
  .fade-up:nth-child(4) { transition-delay: 0.3s; }
  .fade-up:nth-child(5) { transition-delay: 0.4s; }

  /* ─── TYPEWRITER ─── */
  .cursor-blink {
    display: inline-block;
    width: 3px;
    height: 1em;
    background: #7ab8ff;
    margin-left: 2px;
    vertical-align: text-bottom;
    animation: blink 1s step-end infinite;
  }
  @keyframes blink { 50% { opacity: 0; } }

  /* ── REQUEST A CALLBACK MODAL ── */
  .cb-overlay {
    position: fixed; inset: 0; z-index: 100000;
    display: none; align-items: center; justify-content: center; padding: 20px;
    background: rgba(8, 15, 46, 0.6);
    backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px);
    opacity: 0; transition: opacity 0.25s ease;
  }
  .cb-overlay.open { display: flex; opacity: 1; }
  .cb-modal {
    position: relative; width: 100%; max-width: 440px;
    background: linear-gradient(160deg, #0d3590 0%, #1a4fba 60%, #1e63e8 100%);
    border: 1px solid rgba(255,255,255,0.18);
    border-radius: 20px; padding: 34px 28px 30px;
    box-shadow: 0 30px 80px rgba(13,53,144,0.45), 0 1.5px 0 rgba(255,255,255,0.25) inset;
    transform: translateY(16px) scale(0.98); transition: transform 0.25s ease; overflow: hidden;
  }
  .cb-overlay.open .cb-modal { transform: translateY(0) scale(1); }
  .cb-modal::after {
    content:''; position:absolute; inset:0; pointer-events:none;
    background: url('/hero-overlay.webp') center / cover no-repeat; opacity: 0.2;
  }
  .cb-modal > * { position: relative; z-index: 1; }
  .cb-close {
    position: absolute; top: 14px; right: 14px; z-index: 2;
    width: 34px; height: 34px; border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.25); background: rgba(255,255,255,0.12);
    color: #fff; font-size: 22px; line-height: 1; cursor: pointer;
    display: flex; align-items: center; justify-content: center; transition: background 0.2s ease;
  }
  .cb-close:hover { background: rgba(255,255,255,0.22); }
  .cb-eyebrow { font-size: 12px; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.7); font-weight: 700; margin: 0 0 6px; }
  .cb-title { font-size: 24px; font-weight: 800; color: #fff; margin: 0 0 6px; letter-spacing: -0.01em; }
  .cb-sub { font-size: 14px; color: rgba(255,255,255,0.78); margin: 0 0 20px; line-height: 1.5; }
  .cb-form .form-input { width: 100%; margin-bottom: 12px; }
  .cb-textarea {
    width: 100%; min-height: 108px; resize: vertical; padding: 13px 15px; margin-bottom: 16px;
    border-radius: 12px; border: 1px solid rgba(255,255,255,0.3);
    background: rgba(255,255,255,0.12); color: #fff; font-family: inherit; font-size: 15px; line-height: 1.5;
  }
  .cb-textarea::placeholder { color: rgba(255,255,255,0.5); }
  .cb-textarea:focus { outline: none; border-color: rgba(255,255,255,0.65); background: rgba(255,255,255,0.2); }
  .cb-submit {
    width: 100%; padding: 14px 20px; border: none; border-radius: 12px;
    background: #fff; color: #0d3590; font-size: 15px; font-weight: 800; cursor: pointer;
    transition: transform 0.15s ease, box-shadow 0.2s ease; box-shadow: 0 8px 24px rgba(0,0,0,0.18);
  }
  .cb-submit:hover { transform: translateY(-1px); box-shadow: 0 12px 30px rgba(0,0,0,0.25); }
  body.cb-lock { overflow: hidden; }