@import url('https://fonts.googleapis.com/css2?family=Poppins:ital,wght@0,100;0,200;0,300;0,400;0,500;0,600;0,700;0,800;0,900;1,100;1,200;1,300;1,400;1,500;1,600;1,700;1,800;1,900&display=swap');

h1,h2,h3,h4,h5,h6{
	font-family: "Poppins", sans-serif !important;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#1c3d54;--navy2:#162f42;--navy-light:#224a63;
  --sky:#2e7fa0;--sky-light:#9bcad8;
  --gold:#c9a84c;--gold2:#e8c97a;
  --slate:#f4f6f8;--slate2:#eaeef2;
  --white:#ffffff;--txt:#1c3d54;--txt2:#2a3d55;--txt3:#6b7da8;--border:#dde3e8;
}
html{scroll-behavior:smooth}
body{font-family:'Outfit',sans-serif;background:var(--slate);color:var(--txt);line-height:1.7;font-size:16px;overflow-x:hidden}

/* TOP BAR */
.top-bar{background:var(--navy);padding:0;}
.tbi{max-width:1200px;margin:0 auto;padding:0 0%;display:flex;justify-content:space-between;align-items:center}
.tb-left a{font-size:14px;color:#fff;display:flex;align-items:center;gap:0.75rem; text-decoration:none;padding: 0.70rem 0.4rem;}
.tb-left a:hover{color:#1c3d54; background:#fff;}
.tb-flag{font-size:1rem}
.tb-sep{color:rgba(255,255,255,0.2)}
.tb-right{display:flex;gap:0;font-size:14px;}
.tb-item{display:flex;align-items:center;gap:0.35rem;color:#fff;padding:0 1rem;border-left:1px solid rgba(255,255,255,0.12)}
.tb-item:first-child{border-left:none}

/* NAV */
nav{background:var(--white);border-bottom:3px solid var(--navy);position:sticky;top:0;z-index:300;box-shadow:0 2px 12px rgba(0,0,0,0.07)}
.nav-inner{max-width:1200px;margin:0 auto;padding:0 0%;display:flex;align-items:center;justify-content:space-between;height:76px}
.nav-logo{text-decoration:none;display:flex;flex-direction:column}
.logo-main{font-family:"Poppins", sans-serif;font-size:1.55rem;font-weight:700;color:var(--navy);letter-spacing:0.02em;line-height:1}
.logo-main span{font-style:normal;color:var(--sky);font-weight:400}
.logo-sub{font-size:0.58rem;letter-spacing:0.16em;text-transform:uppercase;color:var(--txt3);margin-top:0.12rem}
.nav-links{display:flex;list-style:none}
.nav-links>li>a{font-size:0.76rem;font-weight:500;letter-spacing:0.09em;text-transform:uppercase;color:var(--navy);text-decoration:none;padding:0 0.9rem;display:flex;align-items:center;height:76px;border-bottom:3px solid transparent;transition:all 0.2s;gap:0.2rem}
.nav-links>li>a:hover,.nav-links>li>a.active{color:var(--sky);border-bottom-color:var(--navy)}
.has-dd{position:relative}
.has-dd>a::after{content:'▾';font-size:0.58rem;opacity:0.5;margin-left:0.1rem}
.dd{position:absolute;top:100%;left:0;background:var(--white);border:1px solid var(--border);border-top:3px solid var(--navy);min-width:240px;padding:0.4rem 0;opacity:0;visibility:hidden;transform:translateY(-4px);transition:all 0.22s;box-shadow:0 6px 20px rgba(0,0,0,0.1);z-index:400}
.has-dd:hover .dd{opacity:1;visibility:visible;transform:translateY(0)}
.dd a{display:block;padding:0.58rem 1.2rem;font-size:0.76rem;font-weight:500;text-transform:uppercase;letter-spacing:0.06em;color:var(--navy);text-decoration:none;transition:all 0.15s;white-space:nowrap}
.dd a:hover{color:var(--sky);background:var(--slate);padding-left:1.5rem}
.nav-cta{font-size:0.73rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--white);background:var(--navy);padding:0.52rem 1.25rem;text-decoration:none;transition:background 0.2s;white-space:nowrap}
.nav-cta:hover{background:var(--navy-light)}


/* HERO */
#home{position:relative;height:520px;overflow:hidden}
.slides-wrap{display:flex;height:100%;transition:transform 0.85s cubic-bezier(0.77,0,0.18,1)}
.slide{min-width:100%;height:100%;display:flex;align-items:center;position:relative;overflow:hidden;background:var(--navy)}
.slide::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 65% 70% at 75% 50%,rgba(44,125,160,0.18),transparent 65%)}
.sg{position:absolute;border-radius:50%;border:1px solid rgba(255,255,255,0.05)}
.sg1{width:620px;height:620px;right:-130px;top:-130px}
.sg2{width:390px;height:390px;right:55px;top:55px}
.slide-content{position:relative;z-index:1;padding:0 8%;max-width:830px}
.s-ey{font-size:0.72rem;font-weight:500;letter-spacing:0.22em;text-transform:uppercase;color:var(--sky-light);margin-bottom:1.25rem;display:flex;align-items:center;gap:0.75rem}
.s-ey::before{content:'';display:block;width:2rem;height:1px;background:var(--sky-light);opacity:0.6}
.s-title{font-family:"Poppins", sans-serif;font-size:clamp(2rem,4.5vw,3.6rem);font-weight:500;color:var(--white);line-height:1.2;margin-bottom:1.25rem}
.s-title em{font-style:normal;}
.s-body{font-size:0.95rem;font-weight:400;color:#fff;max-width:540px;line-height:1.85;margin-bottom:2rem}
.s-btns{display:flex;gap:1rem}
.btn-w{background:var(--white);color:var(--navy);padding:0.72rem 1.75rem;font-size:0.77rem;font-weight:500;letter-spacing:0.07em;text-transform:uppercase;text-decoration:none;transition:all 0.2s}
.btn-w:hover{background:var(--slate)}
.btn-o{border:1.5px solid rgba(255,255,255,0.4);color:var(--white);padding:0.7rem 1.75rem;font-size:0.77rem;font-weight:500;letter-spacing:0.07em;text-transform:uppercase;text-decoration:none;transition:all 0.2s}
.btn-o:hover{background:rgba(255,255,255,0.08)}
.slider-dots{position:absolute;bottom:1.5rem;right:5%;display:flex;gap:0.5rem;z-index:10}
.dot{width:10px;height:10px;background:rgba(255,255,255,0.25);border-radius:50%;cursor:pointer;transition:all 0.3s;border:2px solid rgba(255,255,255,0.35)}
.dot.active{background:var(--white);border-color:var(--white)}
.slider-arr{position:absolute;bottom:1.2rem;z-index:10;background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.2);color:var(--white);width:36px;height:36px;font-size:0.85rem;cursor:pointer;transition:all 0.2s;display:flex;align-items:center;justify-content:center}
.slider-arr:hover{background:rgba(255,255,255,0.2)}
.arr-prev{left:5%}.arr-next{left:calc(5% + 40px)}

/* SECTION */
section{scroll-margin-top:76px}
.sec{padding:5rem 5%}
.si{max-width:1200px;margin:0 auto}
.sec-label{font-size:0.7rem;font-weight:500;letter-spacing:0.2em;text-transform:uppercase;color:var(--sky);display:flex;align-items:center;gap:0.6rem;margin-bottom:0.75rem}
.sec-label::before{content:'';display:block;width:1.5rem;height:2px;background:var(--sky)}
.sec-title{font-family:"Poppins", sans-serif;font-size:clamp(1.8rem,3.2vw,2.6rem);font-weight:500;color:var(--navy);line-height:1.25;margin-bottom:0.75rem}
.sec-title em{font-style:normal;color:var(--sky)}
.sec-div{width:2.5rem;height:3px;background:var(--navy);margin:0.75rem 0 1.25rem}
.sec-sub{font-size:0.94rem;font-weight:300;color:var(--txt3);max-width:640px;line-height:1.85}

/* ANZ ADVANTAGE */
#anz-advantage{background:var(--navy)}
.anz-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.08);margin-bottom:3.5rem}
.anz-stat{padding:2rem 1.5rem;text-align:center;background:var(--navy)}
.anz-stat-num{font-family:"Poppins", sans-serif;font-size:2.2rem;font-weight:700;color:var(--white);line-height:1;margin-bottom:0.4rem}
.anz-stat-label{font-size:0.7rem;letter-spacing:0.1em;text-transform:uppercase;color:rgba(255,255,255,0.8)}
/* dual-country tabs */
.country-tabs{display:flex;gap:0;margin-bottom:2rem;border-bottom:2px solid rgb(0 0 0 / 10%)}
.ctab{font-size:0.8rem;font-weight:500;letter-spacing:0.1em;text-transform:uppercase;color:#000;padding:0.75rem 1.5rem;cursor:pointer;border-bottom:3px solid transparent;transition:all 0.2s;margin-bottom:-2px}
.ctab.active{color:var(--navy);border-bottom-color:var(--navy)}
.ctab:hover{color:var(--navy);}
.country-panel{display:none}
.country-panel.active{display:block}
.anz-why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.anz-why-card{background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08);border-top:2px solid var(--sky);padding:1.75rem 1.5rem;transition:background 0.2s}
.anz-why-card:hover{background:rgba(255,255,255,0.07)}
.aw-icon{font-size:1.4rem;margin-bottom:0.75rem;display:block}
.aw-title{font-family:"Poppins", sans-serif;font-size:0.95rem;font-weight:600;color:var(--white);margin-bottom:0.5rem}
.aw-body{font-size:0.82rem;color:rgba(255,255,255,0.8);line-height:1.8}

/* SERVICES */
#services-teaser{background:var(--white)}
.srv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(28,61,84,0.1);border:1px solid rgba(28,61,84,0.1);margin-top:2.5rem}
.srv-card{background:var(--white);padding:2rem 1.75rem;transition:all 0.25s;text-decoration:none;display:block;border-bottom:3px solid transparent}
.srv-card:hover{background:var(--navy);border-bottom-color:var(--sky)}
.srv-card:hover .sc-num,.srv-card:hover .sc-title{color:var(--white)}
.srv-card:hover .sc-desc{color:rgba(255,255,255,0.45)}
.srv-card:hover .sc-tag{background:rgba(255,255,255,0.08);border-color:rgba(255,255,255,0.15);color:rgba(255,255,255,0.6)}
.srv-card:hover .sc-arr{opacity:1}
.sc-num{font-family:"Poppins", sans-serif;font-size:2rem;font-weight:700;color:rgba(28,61,84,0.07);line-height:1;margin-bottom:0.85rem;transition:color 0.25s}
.sc-icon{font-size:1.3rem;display:block;margin-bottom:0.6rem}
.sc-title{font-family:"Poppins", sans-serif;font-size:1.05rem;font-weight:600;color:var(--navy);margin-bottom:0.45rem;transition:color 0.25s}
.sc-desc{font-size:0.81rem;color:var(--txt3);line-height:1.75;transition:color 0.25s}
.sc-tags{display:flex;flex-wrap:wrap;gap:0.35rem;margin-top:0.85rem}
.sc-tag{font-size:0.62rem;letter-spacing:0.06em;text-transform:uppercase;color:var(--txt2);background:var(--slate2);border:1px solid var(--border);padding:0.18rem 0.55rem;transition:all 0.25s}
.sc-arr{font-size:0.9rem;color:var(--sky-light);opacity:0;transition:opacity 0.25s;display:block;margin-top:0.85rem}
.srv-cta{text-align:center;margin-top:2.5rem}
.srv-cta a{display:inline-flex;align-items:center;gap:0.5rem;font-size:0.77rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--white);background:var(--navy);padding:0.85rem 2rem;text-decoration:none;transition:background 0.2s}
.srv-cta a:hover{background:var(--navy-light)}
.srv-cta a::after{content:'→'}

/* ABOUT */
#about{background:var(--slate)}
.about-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:4.5rem;align-items:center}
.about-body{font-size:0.93rem;color:var(--txt2);line-height:1.9;margin-bottom:1rem}
.about-body strong{color:var(--navy);font-weight:500}
.about-hl{font-family:"Poppins", sans-serif;font-style:normal;font-size:1rem;color:var(--navy);border-left:3px solid var(--navy);padding-left:1rem;line-height:1.55;margin:1rem 0 1.5rem;display:block}
.about-btn{display:inline-flex;align-items:center;gap:0.5rem;font-size:0.77rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--white);background:var(--navy);padding:0.72rem 1.75rem;text-decoration:none;transition:background 0.2s}
.about-btn:hover{background:var(--navy-light)}
.about-box{background:var(--navy);padding:2.5rem 2rem;position:relative;overflow:hidden}
.about-box::before{content:'';position:absolute;top:-2.5rem;right:-2.5rem;width:10rem;height:10rem;border-radius:50%;border:1px solid rgba(255,255,255,0.07)}
.ab-label{font-size:0.68rem;letter-spacing:0.18em;text-transform:uppercase;color:rgba(255,255,255,0.4);margin-bottom:0.65rem}
.ab-title{font-family:"Poppins", sans-serif;font-size:1.2rem;font-weight:500;color:var(--white);margin-bottom:1rem}
.ab-body{font-size:0.84rem;color:rgba(255,255,255,0.55);line-height:1.9;position:relative;z-index:1}
.ab-vals{margin-top:1.5rem;display:flex;flex-direction:column;gap:0.6rem;border-top:1px solid rgba(255,255,255,0.1);padding-top:1.25rem}
.ab-val{display:flex;align-items:center;gap:0.75rem;font-size:0.82rem;color:rgba(255,255,255,0.5)}
.ab-val::before{content:'';width:5px;height:5px;background:var(--sky-light);border-radius:50%;flex-shrink:0}

/* EDGE */
#edge{background:var(--white)}
.edge-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem}
.edge-card{background:var(--slate);border:1px solid var(--border);padding:2rem 1.75rem;display:flex;gap:1.25rem;align-items:flex-start;transition:all 0.25s;border-top:3px solid transparent}
.edge-card:hover{border-top-color:var(--navy);background:var(--white);box-shadow:0 6px 20px rgba(0,0,0,0.07)}
.edge-icon{width:46px;height:46px;flex-shrink:0;background:var(--navy);display:flex;align-items:center;justify-content:center;font-size:1.1rem}
.edge-title{font-family:"Poppins", sans-serif;font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:0.35rem}
.edge-desc{font-size:0.84rem;color:var(--txt3);line-height:1.8}

/* CONTACT */
#contact{background:var(--navy2)}
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:4.5rem;align-items:start}
.c-intro{font-size:0.93rem;font-weight:300;color:rgba(255,255,255,0.45);line-height:1.9;margin-bottom:1.75rem}
.c-items{display:flex;flex-direction:column;gap:1rem}
.c-item{display:flex;align-items:flex-start;gap:0.85rem}
.c-ico{width:38px;height:38px;flex-shrink:0;border:1px solid rgba(255,255,255,0.15);display:flex;align-items:center;justify-content:center;font-size:0.85rem;color:var(--sky-light)}
.c-label{font-size:0.65rem;letter-spacing:0.1em;text-transform:uppercase;color:rgba(255,255,255,0.35);margin-bottom:0.15rem}
.c-val{font-size:0.85rem;color:rgba(255,255,255,0.7);line-height:1.55}
.cform{background:var(--white);padding:2.25rem;display:flex;flex-direction:column;gap:1rem}
.form-title{font-family:"Poppins", sans-serif;font-size:1.1rem;font-weight:500;color:var(--navy);margin-bottom:0.25rem;padding-bottom:0.85rem;border-bottom:2px solid var(--slate2)}
.fg{display:flex;flex-direction:column;gap:0.3rem}
.flabel{font-size:0.7rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--txt3)}
.finput,.fselect,.ftextarea{background:var(--slate);border:1px solid var(--border);padding:0.68rem 0.9rem;font-family:'Outfit',sans-serif;font-size:0.9rem;color:var(--navy);outline:none;transition:border-color 0.2s;resize:none;width:100%}
.finput:focus,.fselect:focus,.ftextarea:focus{border-color:var(--navy);background:var(--white)}
.finput::placeholder,.ftextarea::placeholder{color:#aab}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.fselect{cursor:pointer;color:var(--txt3)}
.fsubmit{background:var(--navy);color:var(--white);padding:0.8rem 1.75rem;border:none;font-family:'Outfit',sans-serif;font-size:0.78rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;cursor:pointer;align-self:flex-start;transition:background 0.2s}
.fsubmit:hover{background:var(--navy-light)}

/* FOOTER */
footer{background:var(--navy);border-top:3px solid rgba(255,255,255,0.07)}
.footer-top{max-width:1200px;margin:0 auto;padding:3rem 5%;display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2.5rem}
.ft-brand{font-family:"Poppins", sans-serif;font-size:1.2rem;font-weight:700;color:var(--sky-light);margin-bottom:0.6rem}
.ft-brand span{font-style:normal;color:rgba(255,255,255,0.35);font-weight:400}
.ft-tagline{font-size:0.8rem;color:rgba(255,255,255,0.35);line-height:1.8;max-width:240px}
.ft-group{font-size:0.73rem;color:rgba(255,255,255,0.25);margin-top:1rem}
.ft-group a{color:rgba(155,202,216,0.6);text-decoration:none}
.ft-group a:hover{color:var(--sky-light)}
.ft-heading{font-size:0.7rem;letter-spacing:0.15em;text-transform:uppercase;color:rgba(255,255,255,0.35);margin-bottom:0.85rem;padding-bottom:0.5rem;border-bottom:1px solid rgba(255,255,255,0.08)}
.ft-links{display:flex;flex-direction:column;gap:0.45rem;list-style:none;}
.ft-links a{font-size:0.8rem;color:rgba(255,255,255,0.4);text-decoration:none;display:flex;align-items:center;gap:0.4rem;transition:color 0.2s}
.ft-links a:hover{color:var(--sky-light)}
.ft-links a::before{content:'›';color:rgba(155,202,216,0.4);font-size:0.95rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.06)}
.fbi{max-width:1200px;margin:0 auto;padding:1.1rem 5%;display:flex;justify-content:space-between;flex-wrap:wrap;gap:0.5rem}
.ft-copy{font-size:0.72rem;color:rgba(255,255,255,0.22)}
.ft-abn{font-size:0.7rem;color:rgba(255,255,255,0.18)}

@keyframes fadeUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}
.fade-up{opacity:0;animation:fadeUp 0.7s ease forwards}
.fd1{animation-delay:0.1s}.fd2{animation-delay:0.25s}.fd3{animation-delay:0.4s}.fd4{animation-delay:0.55s}

/* HAMBURGER */
.nav-hamburger{display:none;width:38px;height:38px;align-items:center;justify-content:center;flex-direction:column;gap:5px;background:none;border:1px solid var(--border);cursor:pointer;margin-left:0.5rem;padding:0;flex-shrink:0}
.nav-hamburger span{display:block;width:18px;height:2px;background:var(--navy);border-radius:1px}
/* MOBILE MENU */
.mobile-menu{display:none;position:fixed;inset:0;background:var(--white);z-index:500;flex-direction:column}
.mobile-menu.open{display:flex}
.mm-head{display:flex;align-items:center;justify-content:space-between;padding:0 5%;border-bottom:3px solid var(--navy);height:70px;flex-shrink:0}
.mm-logo{text-decoration:none;display:flex;flex-direction:column}
.mm-logo-main{font-family:"Poppins", sans-serif;font-size:1.3rem;font-weight:700;color:var(--navy);line-height:1}
.mm-logo-main span{font-style:normal;color:var(--sky);font-weight:400}
.mm-logo-sub{font-size:0.5rem;letter-spacing:0.14em;text-transform:uppercase;color:var(--txt3)}
.mm-close{width:36px;height:36px;display:flex;align-items:center;justify-content:center;background:none;border:1px solid var(--border);cursor:pointer;font-size:1.1rem;color:var(--navy)}
.mm-body{display:flex;flex-direction:column;overflow-y:auto;flex:1}
.mm-links a{font-family:'Outfit',sans-serif;font-size:0.86rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--navy);text-decoration:none;padding:0.95rem 5%;border-bottom:1px solid var(--slate2);display:block;transition:color 0.15s}
.mm-links a:hover{color:var(--sky)}
.mm-section{font-size:0.62rem;font-weight:500;letter-spacing:0.15em;text-transform:uppercase;color:var(--txt3);padding:1.1rem 5% 0.35rem;background:var(--slate2)}
.mm-sub a{padding-left:7%;color:var(--txt3);font-size:0.78rem}
.mm-footer{padding:1.25rem 5%;border-top:2px solid var(--slate2);font-size:0.82rem;color:var(--txt3);flex-shrink:0}
.mm-footer a{color:var(--sky);text-decoration:none}

@media(max-width:960px){
  .about-grid,.contact-grid{grid-template-columns:1fr;gap:2.5rem}
  .srv-grid,.anz-why-grid{grid-template-columns:1fr 1fr}
  .anz-stats{grid-template-columns:1fr 1fr}
  .edge-grid{grid-template-columns:1fr 1fr}
  .footer-top{grid-template-columns:1fr 1fr;gap:2rem}
}
@media(max-width:640px){
  .srv-grid,.anz-why-grid,.edge-grid{grid-template-columns:1fr}
  .nav-links,.nav-cta{display:none}
  .nav-hamburger{display:flex}
  .top-bar .tb-left{display:none}
  .sec{padding:3.5rem 4%}.frow{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr}
  .fbi{flex-direction:column}
  #home{height:430px}
.nav-inner {
    padding: 0 5%;
}
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#1c3d54;--navy2:#162f42;--navy-light:#224a63;
  --sky:#2e7fa0;--sky-light:#9bcad8;
  --gold:#c9a84c;--gold2:#e8c97a;
  --slate:#f4f6f8;--slate2:#eaeef2;
  --white:#ffffff;--txt:#1c3d54;--txt2:#2a3d55;--txt3:#6b7da8;--border:#dde3e8;
}
html{scroll-behavior:smooth}
body{font-family:'Outfit',sans-serif;background:var(--slate);color:var(--txt);line-height:1.7;font-size:16px;overflow-x:hidden}

/* TOP BAR */
.top-bar{background:var(--navy);padding:0.42rem 0}
.tbi{max-width:1200px;margin:0 auto;padding:0 0%;display:flex;justify-content:space-between;align-items:center}
.tb-left{font-size:14px;color:#fff;display:flex;align-items:center;gap:0.75rem}
.tb-flag{font-size:1rem}
.tb-sep{color:rgba(255,255,255,0.2)}
.tb-right{display:flex;font-size:14px;}
.tb-item{display:flex;align-items:center;gap:0.35rem;color:#fff;padding:0 1rem;border-left:1px solid rgba(255,255,255,0.12)}
.tb-item:first-child{border-left:none}

/* NAV */
nav{background:var(--white);border-bottom:3px solid var(--navy);position:sticky;top:0;z-index:300;box-shadow:0 2px 12px rgba(0,0,0,0.07)}
.nav-inner{max-width:1200px;margin:0 auto;padding:0 0%;display:flex;align-items:center;justify-content:space-between;height:76px}
.nav-logo{text-decoration:none;display:flex;flex-direction:column}
.logo-main{font-family:"Poppins", sans-serif;font-size:1.55rem;font-weight:700;color:var(--navy);letter-spacing:0.02em;line-height:1}
.logo-main span{font-style:normal;color:var(--sky);font-weight:400}
.logo-sub{font-size:0.58rem;letter-spacing:0.16em;text-transform:uppercase;color:var(--txt3);margin-top:0.12rem}
.nav-links{display:flex;list-style:none}
.nav-links>li>a{font-size:0.76rem;font-weight:500;letter-spacing:0.09em;text-transform:uppercase;color:var(--navy);text-decoration:none;padding:0 0.9rem;display:flex;align-items:center;height:76px;border-bottom:3px solid transparent;transition:all 0.2s}
.nav-links>li>a:hover,.nav-links>li>a.active{color:var(--sky);border-bottom-color:var(--navy)}
.has-dd{position:relative}
.has-dd>a::after{content:'▾';font-size:0.58rem;opacity:0.5;margin-left:0.1rem}
.dd{position:absolute;top:100%;left:0;background:var(--white);border:1px solid var(--border);border-top:3px solid var(--navy);min-width:240px;padding:0.4rem 0;opacity:0;visibility:hidden;transform:translateY(-4px);transition:all 0.22s;box-shadow:0 6px 20px rgba(0,0,0,0.1);z-index:400}
.has-dd:hover .dd{opacity:1;visibility:visible;transform:translateY(0)}
.dd a{display:block;padding:0.58rem 1.2rem;font-size:0.76rem;font-weight:500;text-transform:uppercase;letter-spacing:0.06em;color:var(--navy);text-decoration:none;transition:all 0.15s;white-space:nowrap}
.dd a:hover{color:var(--sky);background:var(--slate);padding-left:1.5rem}
.nav-cta{font-size:0.73rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--white);background:var(--navy);padding:0.52rem 1.25rem;text-decoration:none;transition:background 0.2s;white-space:nowrap}
.nav-cta:hover{background:var(--navy-light)}

/* HAMBURGER */
.nav-hamburger{display:none;width:38px;height:38px;align-items:center;justify-content:center;flex-direction:column;gap:5px;background:none;border:1px solid var(--border);cursor:pointer;margin-left:0.75rem;padding:0}
.nav-hamburger span{display:block;width:18px;height:2px;background:var(--navy);border-radius:1px}

/* MOBILE MENU */
.mobile-menu{display:none;position:fixed;inset:0;background:var(--white);z-index:500;flex-direction:column}
.mobile-menu.open{display:flex}
.mm-head{display:flex;align-items:center;justify-content:space-between;padding:0 5%;border-bottom:3px solid var(--navy);height:70px;flex-shrink:0}
.mm-logo{text-decoration:none;display:flex;flex-direction:column}
.mm-logo-main{font-family:"Poppins", sans-serif;font-size:1.3rem;font-weight:700;color:var(--navy);line-height:1}
.mm-logo-main span{font-style:normal;color:var(--sky);font-weight:400}
.mm-logo-sub{font-size:0.5rem;letter-spacing:0.14em;text-transform:uppercase;color:var(--txt3)}
.mm-close{width:36px;height:36px;display:flex;align-items:center;justify-content:center;background:none;border:1px solid var(--border);cursor:pointer;font-size:1.1rem;color:var(--navy)}
.mm-body{display:flex;flex-direction:column;overflow-y:auto;flex:1}
.mm-links a{font-family:'Outfit',sans-serif;font-size:0.86rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--navy);text-decoration:none;padding:0.95rem 5%;border-bottom:1px solid var(--slate2);display:block;transition:color 0.15s}
.mm-links a:hover,.mm-links a.active{color:var(--sky)}
.mm-section{font-size:0.62rem;font-weight:500;letter-spacing:0.15em;text-transform:uppercase;color:var(--txt3);padding:1.1rem 5% 0.35rem;background:var(--slate2)}
.mm-sub a{padding-left:7%;color:var(--txt3);font-size:0.78rem}
.mm-footer{padding:1.25rem 5%;border-top:2px solid var(--slate2);font-size:0.82rem;color:var(--txt3);flex-shrink:0}
.mm-footer a{color:var(--sky);text-decoration:none}

/* PAGE HERO */
.page-hero{background:var(--navy);padding:3.5rem 0 3rem;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 70% at 75% 50%,rgba(44,125,160,0.2),transparent 65%)}
.ph-sg{position:absolute;border-radius:50%;border:1px solid rgba(255,255,255,0.05)}
.ph-sg1{width:500px;height:500px;right:-80px;top:-100px}
.ph-sg2{width:300px;height:300px;right:80px;top:30px}
.ph-inner{max-width:1200px;margin:0 auto;padding:0 0%;position:relative;z-index:1}
.ph-bc{font-size:0.73rem;color:rgba(255,255,255,0.4);margin-bottom:1rem;display:flex;align-items:center;gap:0.5rem;flex-wrap:wrap}
.ph-bc a{color:var(--sky-light);text-decoration:none;opacity:0.8}
.ph-bc a:hover{opacity:1}
.ph-bc-sep{color:rgba(255,255,255,0.2)}
.ph-eyebrow{font-size:0.7rem;font-weight:500;letter-spacing:0.22em;text-transform:uppercase;color:var(--sky-light);margin-bottom:1rem;display:flex;align-items:center;gap:0.75rem}
.ph-eyebrow::before{content:'';display:block;width:1.5rem;height:1px;background:var(--sky-light);opacity:0.6}
.ph-title{font-family:"Poppins", sans-serif;font-size:clamp(1.8rem,4vw,2.8rem);font-weight:500;color:var(--white);margin-bottom:0.6rem;line-height:1.25}
.ph-title em{font-style:normal;color:var(--sky-light)}
.ph-sub{font-size:0.92rem;font-weight:300;color:rgba(255,255,255,0.5);max-width:520px;line-height:1.8}

/* SECTION */
.sec{padding:4rem 5%}
.si{max-width:1200px;margin:0 auto}
.sec-label{font-size:0.7rem;font-weight:500;letter-spacing:0.2em;text-transform:uppercase;color:var(--sky);display:flex;align-items:center;gap:0.6rem;margin-bottom:0.75rem}
.sec-label::before{content:'';display:block;width:1.5rem;height:2px;background:var(--sky)}
.sec-title{font-family:"Poppins", sans-serif;font-size:clamp(1.6rem,3vw,2.4rem);font-weight:500;color:var(--navy);line-height:1.25;margin-bottom:0.75rem}
.sec-title em{font-style:normal;color:var(--sky)}
.sec-div{width:2.5rem;height:3px;background:var(--navy);margin:0.75rem 0 1.75rem}

/* CATEGORY FILTER */
.cat-filter{display:flex;gap:0.5rem;flex-wrap:wrap;margin-bottom:2.25rem}
.cat-btn{font-family:'Outfit',sans-serif;font-size:0.72rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--navy);background:var(--white);border:1px solid var(--border);padding:0.42rem 1rem;cursor:pointer;transition:all 0.2s}
.cat-btn:hover,.cat-btn.active{background:var(--navy);color:var(--white);border-color:var(--navy)}

/* BLOG GRID */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.blog-card{background:var(--white);border:1px solid var(--border);transition:all 0.25s;text-decoration:none;display:flex;flex-direction:column;border-bottom:3px solid transparent}
.blog-card:hover{border-bottom-color:var(--sky);box-shadow:0 6px 24px rgba(0,0,0,0.09);transform:translateY(-3px)}
.bc-img{height:175px;position:relative;overflow:hidden;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.bc-img-icon{font-size:2.5rem;opacity:0.2}
.bc-cat{position:absolute;top:1rem;left:1rem;font-size:0.62rem;font-weight:500;letter-spacing:0.1em;text-transform:uppercase;color:var(--navy);background:var(--sky-light);padding:0.22rem 0.65rem}
.bc-body{padding:1.35rem 1.35rem 1.6rem;display:flex;flex-direction:column;flex:1}
.bc-flag{font-size:0.65rem;margin-bottom:0.35rem}
.bc-date{font-size:0.71rem;color:var(--txt3);margin-bottom:0.5rem}
.bc-title{font-family:"Poppins", sans-serif;font-size:1.02rem;font-weight:500;color:var(--navy);margin-bottom:0.5rem;line-height:1.4;transition:color 0.2s}
.blog-card:hover .bc-title{color:var(--sky)}
.bc-title em{font-style:normal}
.bc-excerpt{font-size:0.83rem;font-weight:300;color:var(--txt3);line-height:1.75;margin-bottom:1rem;flex:1}
.bc-more{font-size:0.71rem;font-weight:500;letter-spacing:0.07em;text-transform:uppercase;color:var(--sky);display:flex;align-items:center;gap:0.35rem}

/* PAGINATION */
.pagination{display:flex;gap:0.4rem;justify-content:center;margin-top:3rem}
.pag-btn{width:36px;height:36px;display:flex;align-items:center;justify-content:center;border:1px solid var(--border);font-size:0.82rem;font-weight:500;color:var(--navy);text-decoration:none;transition:all 0.2s;cursor:pointer;background:var(--white)}
.pag-btn:hover,.pag-btn.active{background:var(--navy);color:var(--white);border-color:var(--navy)}

/* NEWSLETTER */
.newsletter-band{background:var(--navy2);padding:3rem 5%;border-top:1px solid rgba(255,255,255,0.06)}
.nl-inner{max-width:640px;margin:0 auto;text-align:center}
.nl-title{font-family:"Poppins", sans-serif;font-size:1.4rem;font-weight:500;color:var(--white);margin-bottom:0.45rem}
.nl-title em{font-style:normal;color:var(--sky-light)}
.nl-sub{font-size:0.85rem;font-weight:300;color:rgba(255,255,255,0.4);margin-bottom:1.5rem}
.nl-form{display:flex;gap:0;max-width:460px;margin:0 auto}
.nl-input{flex:1;padding:0.72rem 1rem;border:1px solid rgba(255,255,255,0.15);background:rgba(255,255,255,0.07);font-family:'Outfit',sans-serif;font-size:0.9rem;color:var(--white);outline:none}
.nl-input::placeholder{color:rgba(255,255,255,0.3)}
.nl-btn{background:var(--white);color:var(--navy);padding:0.72rem 1.4rem;border:none;font-family:'Outfit',sans-serif;font-size:0.76rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;cursor:pointer;white-space:nowrap;transition:background 0.2s}
.nl-btn:hover{background:var(--slate)}

/* FOOTER */
footer{background:var(--navy);border-top:3px solid rgba(255,255,255,0.07)}
.footer-top{max-width:1200px;margin:0 auto;padding:3rem 5%;display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2.5rem}
.ft-brand{font-family:"Poppins", sans-serif;font-size:1.2rem;font-weight:700;color:var(--sky-light);margin-bottom:0.6rem}
.ft-brand span{font-style:normal;color:rgba(255,255,255,0.35);font-weight:400}
.ft-tagline{font-size:0.8rem;font-weight:300;color:rgba(255,255,255,0.35);line-height:1.8;max-width:240px}
.ft-group{font-size:0.73rem;color:rgba(255,255,255,0.25);margin-top:1rem}
.ft-group a{color:rgba(155,202,216,0.6);text-decoration:none}
.ft-group a:hover{color:var(--sky-light)}
.ft-heading{font-size:0.7rem;letter-spacing:0.15em;text-transform:uppercase;color:rgba(255,255,255,0.35);margin-bottom:0.85rem;padding-bottom:0.5rem;border-bottom:1px solid rgba(255,255,255,0.08)}
.ft-links{display:flex;flex-direction:column;gap:0.45rem}
.ft-links a{font-size:0.8rem;font-weight:300;color:rgba(255,255,255,0.4);text-decoration:none;display:flex;align-items:center;gap:0.4rem;transition:color 0.2s}
.ft-links a:hover{color:var(--sky-light)}
.ft-links a::before{content:'›';color:rgba(155,202,216,0.4);font-size:0.95rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.06)}
.fbi{max-width:1200px;margin:0 auto;padding:1.1rem 5%;display:flex;justify-content:space-between;flex-wrap:wrap;gap:0.5rem}
.ft-copy{font-size:0.72rem;color:rgba(255,255,255,0.22)}
.ft-abn{font-size:0.7rem;color:rgba(255,255,255,0.18)}

@media(max-width:960px){
  .blog-grid{grid-template-columns:1fr 1fr}
  .footer-top{grid-template-columns:1fr 1fr;gap:2rem}
}
@media(max-width:640px){
  .blog-grid{grid-template-columns:1fr}
  .nav-links,.nav-cta{display:none}
  .nav-hamburger{display:flex}
  .tb-left{display:none}
  .sec{padding:2.5rem 4%}
  .page-hero{padding:2.25rem 0}
  .ph-inner{padding:0 4%}
  .footer-top{grid-template-columns:1fr}
  .fbi{flex-direction:column}
  .nl-form{flex-direction:column}
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#1c3d54;--navy2:#162f42;--navy-light:#224a63;
  --sky:#2e7fa0;--sky-light:#9bcad8;
  --gold:#c9a84c;--gold2:#e8c97a;
  --slate:#f4f6f8;--slate2:#eaeef2;
  --white:#ffffff;--txt:#1c3d54;--txt2:#2a3d55;--txt3:#6b7da8;--border:#dde3e8;
}
html{scroll-behavior:smooth}
body{font-family:'Outfit',sans-serif;background:var(--slate);color:var(--txt);line-height:1.7;font-size:16px;overflow-x:hidden}

/* TOP BAR */
.top-bar{background:var(--navy);padding:0.42rem 0}
.tbi{max-width:1200px;margin:0 auto;padding:0 5%;display:flex;justify-content:space-between;align-items:center}
.tb-left{font-size:0.75rem;color:rgba(255,255,255,0.55);display:flex;align-items:center;gap:0.75rem}
.tb-flag{font-size:1rem}
.tb-sep{color:rgba(255,255,255,0.2)}
.tb-right{display:flex;font-size:0.75rem}
.tb-item{display:flex;align-items:center;gap:0.35rem;color:rgba(255,255,255,0.65);padding:0 1rem;border-left:1px solid rgba(255,255,255,0.12)}
.tb-item:first-child{border-left:none}

/* NAV */
nav{background:var(--white);border-bottom:3px solid var(--navy);position:sticky;top:0;z-index:300;box-shadow:0 2px 12px rgba(0,0,0,0.07)}
.nav-inner{max-width:1200px;margin:0 auto;padding:0 5%;display:flex;align-items:center;justify-content:space-between;height:76px}
.nav-logo{text-decoration:none;display:flex;flex-direction:column}
.logo-main{font-family:"Poppins", sans-serif;font-size:1.55rem;font-weight:700;color:var(--navy);letter-spacing:0.02em;line-height:1}
.logo-main span{font-style:normal;color:var(--sky);font-weight:400}
.logo-sub{font-size:0.58rem;letter-spacing:0.16em;text-transform:uppercase;color:var(--txt3);margin-top:0.12rem}
.nav-links{display:flex;list-style:none}
.nav-links>li>a{font-size:0.76rem;font-weight:500;letter-spacing:0.09em;text-transform:uppercase;color:var(--navy);text-decoration:none;padding:0 0.9rem;display:flex;align-items:center;height:76px;border-bottom:3px solid transparent;transition:all 0.2s}
.nav-links>li>a:hover,.nav-links>li>a.active{color:var(--sky);border-bottom-color:var(--navy)}
.has-dd{position:relative}
.has-dd>a::after{content:'▾';font-size:0.58rem;opacity:0.5;margin-left:0.1rem}
.dd{position:absolute;top:100%;left:0;background:var(--white);border:1px solid var(--border);border-top:3px solid var(--navy);min-width:240px;padding:0.4rem 0;opacity:0;visibility:hidden;transform:translateY(-4px);transition:all 0.22s;box-shadow:0 6px 20px rgba(0,0,0,0.1);z-index:400}
.has-dd:hover .dd{opacity:1;visibility:visible;transform:translateY(0)}
.dd a{display:block;padding:0.58rem 1.2rem;font-size:0.76rem;font-weight:500;text-transform:uppercase;letter-spacing:0.06em;color:var(--navy);text-decoration:none;transition:all 0.15s;white-space:nowrap}
.dd a:hover{color:var(--sky);background:var(--slate);padding-left:1.5rem}
.nav-cta{font-size:0.73rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--white);background:var(--navy);padding:0.52rem 1.25rem;text-decoration:none;transition:background 0.2s;white-space:nowrap}
.nav-cta:hover{background:var(--navy-light)}
.nav-hamburger{display:none;width:38px;height:38px;align-items:center;justify-content:center;flex-direction:column;gap:5px;background:none;border:1px solid var(--border);cursor:pointer;margin-left:0.75rem;padding:0}
.nav-hamburger span{display:block;width:18px;height:2px;background:var(--navy);border-radius:1px}

/* MOBILE MENU */
.mobile-menu{display:none;position:fixed;inset:0;background:var(--white);z-index:500;flex-direction:column}
.mobile-menu.open{display:flex}
.mm-head{display:flex;align-items:center;justify-content:space-between;padding:0 5%;border-bottom:3px solid var(--navy);height:70px;flex-shrink:0}
.mm-logo{text-decoration:none;display:flex;flex-direction:column}
.mm-logo-main{font-family:"Poppins", sans-serif;font-size:1.3rem;font-weight:700;color:var(--navy);line-height:1}
.mm-logo-main span{font-style:normal;color:var(--sky);font-weight:400}
.mm-logo-sub{font-size:0.5rem;letter-spacing:0.14em;text-transform:uppercase;color:var(--txt3)}
.mm-close{width:36px;height:36px;display:flex;align-items:center;justify-content:center;background:none;border:1px solid var(--border);cursor:pointer;font-size:1.1rem;color:var(--navy)}
.mm-body{display:flex;flex-direction:column;overflow-y:auto;flex:1}
.mm-links a{font-family:'Outfit',sans-serif;font-size:0.86rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--navy);text-decoration:none;padding:0.95rem 5%;border-bottom:1px solid var(--slate2);display:block;transition:color 0.15s}
.mm-links a:hover,.mm-links a.active{color:var(--sky)}
.mm-section{font-size:0.62rem;font-weight:500;letter-spacing:0.15em;text-transform:uppercase;color:var(--txt3);padding:1.1rem 5% 0.35rem;background:var(--slate2)}
.mm-sub a{padding-left:7%;color:var(--txt3);font-size:0.78rem}
.mm-footer{padding:1.25rem 5%;border-top:2px solid var(--slate2);font-size:0.82rem;color:var(--txt3);flex-shrink:0}
.mm-footer a{color:var(--sky);text-decoration:none}

/* PAGE HERO */
.page-hero{background:var(--navy);padding:3.5rem 0 3rem;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 70% at 75% 50%,rgba(44,125,160,0.2),transparent 65%)}
.ph-sg{position:absolute;border-radius:50%;border:1px solid rgba(255,255,255,0.05)}
.ph-sg1{width:500px;height:500px;right:-80px;top:-100px}
.ph-sg2{width:300px;height:300px;right:80px;top:30px}
.ph-inner{max-width:1200px;margin:0 auto;padding:0 0%;position:relative;z-index:1}
.ph-bc{font-size:0.73rem;color:rgba(255,255,255,0.4);margin-bottom:1rem;display:flex;align-items:center;gap:0.5rem;flex-wrap:wrap}
.ph-bc a{color:var(--sky-light);text-decoration:none;opacity:0.8}
.ph-bc a:hover{opacity:1}
.ph-bc-sep{color:rgba(255,255,255,0.2)}
.ph-cat{display:inline-flex;align-items:center;gap:0.4rem;font-size:0.65rem;font-weight:500;letter-spacing:0.1em;text-transform:uppercase;color:var(--navy);background:var(--sky-light);padding:0.25rem 0.75rem;margin-bottom:1rem}
.ph-title{font-family:"Poppins", sans-serif;font-size:clamp(1.6rem,3.5vw,2.4rem);font-weight:500;color:var(--white);margin-bottom:1rem;max-width:760px;line-height:1.3}
.ph-title em{font-style:normal;color:var(--sky-light)}
.ph-meta{display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap}
.ph-meta-item{font-size:0.78rem;color:rgba(255,255,255,0.5);font-weight:300;display:flex;align-items:center;gap:0.35rem}
.ph-author{display:flex;align-items:center;gap:0.6rem}
.ph-author-avatar{width:32px;height:32px;background:rgba(255,255,255,0.12);border:1px solid rgba(255,255,255,0.15);display:flex;align-items:center;justify-content:center;font-size:0.9rem;flex-shrink:0}
.ph-author-name{font-size:0.78rem;color:rgba(255,255,255,0.65);font-weight:500}

/* MAIN LAYOUT */
.post-wrap{max-width:1200px;margin:0 auto;padding:3rem 0;display:grid;grid-template-columns:1fr 290px;gap:3.5rem;align-items:start}

/* POST CONTENT */
.post-content{background:var(--white);border:1px solid var(--border);padding:2.5rem}
.post-lead{font-family:"Poppins", sans-serif;font-size:1.05rem;font-weight:400;font-style:normal;color:var(--navy);line-height:1.8;margin-bottom:2rem;padding-bottom:1.5rem;border-bottom:1px solid var(--border)}
.post-body h2{font-family:"Poppins", sans-serif;font-size:1.2rem;font-weight:600;color:var(--navy);margin:2rem 0 0.75rem}
.post-body h3{font-family:"Poppins", sans-serif;font-size:1rem;font-weight:600;color:var(--navy);margin:1.5rem 0 0.5rem;font-style:normal}
.post-body p{font-size:0.92rem;font-weight:300;color:var(--txt2);line-height:1.9;margin-bottom:1.1rem}
.post-body ul,.post-body ol{margin:0.75rem 0 1.1rem 1.5rem}
.post-body li{font-size:0.92rem;font-weight:300;color:var(--txt2);line-height:1.85;margin-bottom:0.3rem}
.post-body strong{color:var(--navy);font-weight:500}
.post-callout{background:var(--slate);border-left:4px solid var(--sky);padding:1.25rem 1.5rem;margin:1.75rem 0}
.post-callout-title{font-family:"Poppins", sans-serif;font-size:0.88rem;font-weight:600;color:var(--navy);margin-bottom:0.5rem;font-style:normal}
.post-callout p{font-size:0.87rem;color:var(--txt3);margin:0;line-height:1.75;font-weight:300}
.post-stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin:1.75rem 0;background:var(--navy);padding:1.5rem}
.post-stat{text-align:center}
.post-stat-num{font-family:"Poppins", sans-serif;font-size:1.8rem;font-weight:700;color:var(--sky-light);line-height:1}
.post-stat-label{font-size:0.68rem;letter-spacing:0.1em;text-transform:uppercase;color:rgba(255,255,255,0.45);margin-top:0.3rem}
.post-tags{display:flex;gap:0.5rem;flex-wrap:wrap;margin:2.5rem 0 1.5rem;padding-top:1.5rem;border-top:1px solid var(--border)}
.post-tag{font-size:0.68rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--navy);background:var(--slate2);border:1px solid var(--border);padding:0.28rem 0.75rem;text-decoration:none;transition:all 0.2s}
.post-tag:hover{background:var(--navy);color:var(--white)}
.post-share{display:flex;align-items:center;gap:0.75rem;margin-bottom:2rem}
.share-label{font-size:0.72rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--txt3)}
.share-btn{width:32px;height:32px;display:flex;align-items:center;justify-content:center;border:1px solid var(--border);font-size:0.8rem;color:var(--navy);text-decoration:none;transition:all 0.2s}
.share-btn:hover{background:var(--navy);color:var(--white);border-color:var(--navy)}

/* AUTHOR BOX */
.author-box{background:var(--slate);border:1px solid var(--border);padding:1.5rem;display:flex;gap:1.25rem;align-items:flex-start;border-left:4px solid var(--sky)}
.author-avatar{width:56px;height:56px;background:var(--navy);display:flex;align-items:center;justify-content:center;font-size:1.4rem;flex-shrink:0}
.author-name{font-family:"Poppins", sans-serif;font-size:0.95rem;font-weight:600;color:var(--navy);margin-bottom:0.2rem}
.author-role{font-size:0.72rem;color:var(--sky);text-transform:uppercase;letter-spacing:0.07em;font-weight:500;margin-bottom:0.5rem}
.author-bio{font-size:0.82rem;font-weight:300;color:var(--txt3);line-height:1.75}

/* SIDEBAR */
.post-sidebar{position:sticky;top:92px;}
.sb-widget{background:var(--white);border:1px solid var(--border);margin-bottom:1.5rem;overflow:hidden}
.sb-widget-head{background:var(--navy);padding:0.85rem 1.25rem;font-family:"Poppins", sans-serif;font-size:0.9rem;font-weight:600;color:var(--white);font-style:normal}
.sb-widget-body{padding:1.25rem}
.sb-cats{display:flex;flex-direction:column;gap:0.35rem}
.sb-cat{display:flex;justify-content:space-between;align-items:center;padding:0.5rem 0;border-bottom:1px solid var(--slate2);text-decoration:none;color:var(--navy);font-size:0.82rem;font-weight:500;transition:color 0.15s}
.sb-cat:last-child{border-bottom:none}
.sb-cat:hover{color:var(--sky)}
.sb-cat-count{background:var(--slate2);padding:0.1rem 0.45rem;font-size:0.68rem;color:var(--txt3)}
.sb-posts{display:flex;flex-direction:column;gap:1rem}
.sb-post{display:flex;gap:0.85rem;align-items:flex-start;text-decoration:none;padding-bottom:1rem;border-bottom:1px solid var(--slate2)}
.sb-post:last-child{border-bottom:none;padding-bottom:0}
.sb-post-img{width:54px;height:54px;flex-shrink:0;background:var(--slate);display:flex;align-items:center;justify-content:center;font-size:1.2rem}
.sb-post-title{font-family:"Poppins", sans-serif;font-size:0.82rem;font-weight:500;color:var(--navy);line-height:1.35;margin-bottom:0.2rem;transition:color 0.15s}
.sb-post:hover .sb-post-title{color:var(--sky)}
.sb-post-date{font-size:0.67rem;color:var(--txt3);font-weight:300}
.sb-cta{background:var(--navy);padding:1.5rem 1.25rem;text-align:center}
.sb-cta-eyebrow{font-size:0.65rem;letter-spacing:0.15em;text-transform:uppercase;color:var(--sky-light);opacity:0.7;margin-bottom:0.4rem}
.sb-cta-title{font-family:"Poppins", sans-serif;font-size:1rem;font-weight:500;font-style:normal;color:var(--white);margin-bottom:0.5rem}
.sb-cta-body{font-size:0.8rem;font-weight:300;color:rgba(255,255,255,0.45);margin-bottom:1.25rem;line-height:1.7}
.sb-cta-btn{display:inline-block;background:var(--white);color:var(--navy);padding:0.62rem 1.25rem;font-size:0.74rem;font-weight:500;letter-spacing:0.07em;text-transform:uppercase;text-decoration:none;transition:background 0.2s}
.sb-cta-btn:hover{background:var(--slate)}

/* RELATED POSTS */
.related-sec{background:var(--white);padding:3.5rem 5%;border-top:1px solid var(--border)}
.related-inner{max-width:1200px;margin:0 auto}
.sec-label{font-size:0.7rem;font-weight:500;letter-spacing:0.2em;text-transform:uppercase;color:var(--sky);display:flex;align-items:center;gap:0.6rem;margin-bottom:0.75rem}
.sec-label::before{content:'';display:block;width:1.5rem;height:2px;background:var(--sky)}
.sec-title{font-family:"Poppins", sans-serif;font-size:clamp(1.4rem,2.5vw,2rem);font-weight:500;color:var(--navy);line-height:1.25}
.sec-title em{font-style:normal;color:var(--sky); text-transform: capitalize;}
.sec-div{width:2.5rem;height:3px;background:var(--navy);margin:0.75rem 0 2rem}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.blog-card{background:var(--white);border:1px solid var(--border);transition:all 0.25s;text-decoration:none;display:flex;flex-direction:column;border-bottom:3px solid transparent}
.blog-card:hover{border-bottom-color:var(--sky);box-shadow:0 6px 24px rgba(0,0,0,0.09);transform:translateY(-3px)}
.bc-img{height:145px;position:relative;overflow:hidden;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.bc-img-icon{font-size:2rem;opacity:0.2}
.bc-cat{position:absolute;top:0.75rem;left:0.75rem;font-size:0.62rem;font-weight:500;letter-spacing:0.1em;text-transform:uppercase;color:var(--navy);background:var(--sky-light);padding:0.22rem 0.65rem}
.bc-body{padding:1.1rem 1.1rem 1.25rem;display:flex;flex-direction:column;flex:1}
.bc-date{font-size:0.71rem;color:var(--txt3);margin-bottom:0.4rem;font-weight:300}
.bc-title{font-family:"Poppins", sans-serif;font-size:0.93rem;font-weight:500;color:var(--navy);margin-bottom:0.4rem;line-height:1.4;transition:color 0.2s}
.bc-title em{font-style:normal}
.blog-card:hover .bc-title{color:var(--sky)}
.bc-more{font-size:0.71rem;font-weight:500;letter-spacing:0.07em;text-transform:uppercase;color:var(--sky);margin-top:auto}

/* FOOTER */
footer{background:var(--navy);border-top:3px solid rgba(255,255,255,0.07)}
.footer-top{max-width:1200px;margin:0 auto;padding:3rem 5%;display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2.5rem}
.ft-brand{font-family:"Poppins", sans-serif;font-size:1.2rem;font-weight:700;color:var(--sky-light);margin-bottom:0.6rem}
.ft-brand span{font-style:normal;color:rgba(255,255,255,0.35);font-weight:400}
.ft-tagline{font-size:0.8rem;font-weight:300;color:rgba(255,255,255,0.35);line-height:1.8;max-width:240px}
.ft-group{font-size:0.73rem;color:rgba(255,255,255,0.25);margin-top:1rem}
.ft-group a{color:rgba(155,202,216,0.6);text-decoration:none}
.ft-group a:hover{color:var(--sky-light)}
.ft-heading{font-size:0.7rem;letter-spacing:0.15em;text-transform:uppercase;color:rgba(255,255,255,0.35);margin-bottom:0.85rem;padding-bottom:0.5rem;border-bottom:1px solid rgba(255,255,255,0.08)}
.ft-links{display:flex;flex-direction:column;gap:0.45rem}
.ft-links a{font-size:0.8rem;font-weight:300;color:rgba(255,255,255,0.4);text-decoration:none;display:flex;align-items:center;gap:0.4rem;transition:color 0.2s}
.ft-links a:hover{color:var(--sky-light)}
.ft-links a::before{content:'›';color:rgba(155,202,216,0.4);font-size:0.95rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.06)}
.fbi{max-width:1200px;margin:0 auto;padding:1.1rem 5%;display:flex;justify-content:space-between;flex-wrap:wrap;gap:0.5rem}
.ft-copy{font-size:0.72rem;color:rgba(255,255,255,0.22)}
.ft-abn{font-size:0.7rem;color:rgba(255,255,255,0.18)}

@media(max-width:960px){
  .post-wrap{grid-template-columns:1fr;gap:2rem;padding:2rem 5%}
  .post-sidebar{position:static;max-height:none;overflow-y:visible;}
  .post-stat-row{grid-template-columns:1fr 1fr 1fr}
  .related-grid{grid-template-columns:1fr 1fr}
  .footer-top{grid-template-columns:1fr 1fr;gap:2rem}
}
@media(max-width:640px){
  .related-grid{grid-template-columns:1fr}
  .nav-links,.nav-cta{display:none}
  .nav-hamburger{display:flex}
  .tb-left{display:none}
  .page-hero{padding:2.25rem 0}
  .ph-inner{padding:0 2%}
  .post-wrap{padding:1.5rem 2%}
  .post-content{padding:1.5rem}
  .post-stat-row{grid-template-columns:1fr}
  .author-box{flex-direction:column;gap:0.85rem}
  .footer-top{grid-template-columns:1fr}
  .fbi{flex-direction:column}
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#1c3d54;--navy2:#162f42;--navy-light:#224a63;
  --sky:#2e7fa0;--sky-light:#9bcad8;
  --slate:#f4f6f8;--slate2:#eaeef2;--white:#ffffff;
  --txt:#1c3d54;--txt2:#2a3d55;--txt3:#6b7da8;--border:#dde3e8;
}
html{scroll-behavior:smooth}
body{font-family:'Outfit',sans-serif;background:var(--slate);color:var(--txt);line-height:1.7;font-size:16px;overflow-x:hidden}

.top-bar{background:var(--navy);padding:0px;}
.tbi{max-width:1200px;margin:0 auto;padding:0 0%;display:flex;justify-content:space-between;align-items:center}
.tb-left{font-size:0.75rem;color:rgba(255,255,255,0.55)}
.tb-right{display:flex;gap:0;font-size:0.75rem}
.tb-item{display:flex;align-items:center;gap:0.35rem;color:rgba(255,255,255,0.65);padding:0 1rem;border-left:1px solid rgba(255,255,255,0.12)}
.tb-item:first-child{border-left:none}

nav{background:var(--white);border-bottom:3px solid var(--navy);position:sticky;top:0;z-index:300;box-shadow:0 2px 12px rgba(0,0,0,0.07)}
.nav-inner{max-width:1200px;margin:0 auto;padding:0 0%;display:flex;align-items:center;justify-content:space-between;height:76px}
.nav-logo{text-decoration:none;display:flex;flex-direction:column}
.logo-main{font-family:"Poppins", sans-serif;font-size:1.55rem;font-weight:700;color:var(--navy);letter-spacing:0.02em;line-height:1}
.logo-main span{font-style:normal;color:var(--sky);font-weight:400}
.logo-sub{font-size:0.58rem;letter-spacing:0.16em;text-transform:uppercase;color:var(--txt3);margin-top:0.12rem}
.nav-links{display:flex;list-style:none}
.nav-links>li>a{font-size:0.76rem;font-weight:500;letter-spacing:0.09em;text-transform:uppercase;color:var(--navy);text-decoration:none;padding:0 0.9rem;display:flex;align-items:center;height:76px;border-bottom:3px solid transparent;transition:all 0.2s;gap:0.2rem}
.nav-links>li>a:hover,.nav-links>li>a.active{color:var(--sky);border-bottom-color:var(--navy)}
.has-dd{position:relative}
.has-dd>a::after{content:'▾';font-size:0.58rem;opacity:0.5;margin-left:0.1rem}
.dd{position:absolute;top:100%;left:0;background:var(--white);border:1px solid var(--border);border-top:3px solid var(--navy);min-width:240px;padding:0.4rem 0;opacity:0;visibility:hidden;transform:translateY(-4px);transition:all 0.22s;box-shadow:0 6px 20px rgba(0,0,0,0.1);z-index:400}
.has-dd:hover .dd{opacity:1;visibility:visible;transform:translateY(0)}
.dd a{display:block;padding:0.58rem 1.2rem;font-size:0.76rem;font-weight:500;text-transform:capitalize;letter-spacing:0.06em;color:var(--navy);text-decoration:none;transition:all 0.15s;white-space:nowrap}
.dd a:hover{color:var(--sky);background:var(--slate);padding-left:1.5rem}
.nav-cta{font-size:0.73rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--white);background:var(--navy);padding:0.52rem 1.25rem;text-decoration:none;transition:background 0.2s;white-space:nowrap}
.nav-cta:hover{background:var(--navy-light)}

.page-banner{background:linear-gradient(to right,var(--slate) 0%,var(--slate2) 60%,#dce4ea 100%);padding:4rem 5% 3rem;border-bottom:1px solid var(--border);position:relative;overflow:hidden}
.page-banner::after{content:'';position:absolute;right:-5%;top:-20%;width:50%;height:140%;background:linear-gradient(135deg,transparent 40%,rgba(28,61,84,0.04) 100%)}
.pb-inner{max-width:1200px;margin:0 auto;position:relative;z-index:1}
.pb-breadcrumb{font-size:0.75rem;color:var(--txt3);margin-bottom:0.85rem;display:flex;align-items:center;gap:0.5rem}
.pb-breadcrumb a{color:var(--sky);text-decoration:none}
.pb-title{font-family:"Poppins", sans-serif;font-size:clamp(1.8rem,4vw,3rem);font-weight:300;color:var(--navy)}
.pb-title em{font-style:normal;color:var(--sky)}

.srv-nav{background:var(--white);border-bottom:2px solid var(--border);position:sticky;top:128px;z-index:100;box-shadow:0 2px 6px rgba(0,0,0,0.04)}
.srv-nav-inner{max-width:1200px;margin:0 auto;display:flex;overflow-x:auto;padding:0 5%}
.srv-nav-inner::-webkit-scrollbar{display:none}
.srv-pill{font-size:0.77rem;font-weight:500;letter-spacing:0.08em;text-transform:uppercase;color:var(--txt3);padding:0.95rem 1.1rem;white-space:nowrap;cursor:pointer;border-bottom:3px solid transparent;text-decoration:none;transition:all 0.2s;display:block}
.srv-pill:hover,.srv-pill.active{color:var(--navy);border-bottom-color:var(--navy)}

.srv-section{padding:4.5rem 5%;border-bottom:1px solid var(--border);scroll-margin-top:130px}
.srv-section:nth-child(odd){background:var(--slate)}
.srv-section:nth-child(even){background:var(--white)}
.ssi{max-width:1200px;margin:0 auto}
.s-tag{font-size:0.68rem;font-weight:500;letter-spacing:0.2em;text-transform:uppercase;color:var(--sky);display:flex;align-items:center;gap:0.6rem;margin-bottom:0.7rem}
.s-tag::before{content:'';display:block;width:1.2rem;height:2px;background:var(--sky)}
.s-title{font-family:"Poppins", sans-serif;font-size:clamp(1.6rem,3vw,2.3rem);font-weight:500;margin-bottom:0.5rem;line-height:1.2}
.s-title em{font-style:normal;}
.s-div{width:2.2rem;height:3px;background:var(--navy);margin:0.65rem 0 1.1rem}
.s-intro{font-size:0.91rem;font-weight:300;color:var(--txt3);max-width:760px;line-height:1.9;margin-bottom:2.5rem}

/* Country badge */
.country-badges{display:flex;gap:0.5rem;margin-bottom:1rem;flex-wrap:wrap}
.cbadge{font-size:0.65rem;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;padding:0.25rem 0.75rem;border:1px solid var(--border);color:var(--txt3);background:var(--slate2)}
.cbadge.au{border-color:rgba(28,61,84,0.3);color:var(--navy);background:rgba(28,61,84,0.06)}
.cbadge.nz{border-color:rgba(46,127,160,0.3);color:var(--sky);background:rgba(46,127,160,0.06)}

.sub-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.25rem}
.sub-card{border-left:3px solid var(--navy);padding:1.75rem 1.5rem;transition:all 0.22s}
.srv-section:nth-child(odd) .sub-card{background:var(--white);border:1px solid var(--border);border-left:3px solid var(--navy)}
.srv-section:nth-child(even) .sub-card{background:var(--slate);border:1px solid var(--border);border-left:3px solid var(--navy)}
.sub-card:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(28,61,84,0.08);border-left-color:var(--sky)}
.sub-num{font-size:0.67rem;font-weight:500;letter-spacing:0.15em;text-transform:uppercase;color:var(--txt3);margin-bottom:0.45rem}
.sub-title{font-family:"Poppins", sans-serif;font-size:1.05rem;font-weight:600;color:var(--navy);margin-bottom:0.2rem}
.sub-badge{font-size:0.62rem;font-weight:500;letter-spacing:0.1em;text-transform:uppercase;color:var(--sky);margin-bottom:0.8rem;display:block}
.sub-desc{font-size:0.83rem;color:var(--txt3);line-height:1.85}
.sub-desc strong{color:var(--txt2);font-weight:500}
.sub-list{list-style:none;margin-top:0.8rem;display:flex;flex-direction:column;gap:0.4rem}
.sub-list li{font-size:0.81rem;color:var(--txt3);line-height:1.7;display:flex;gap:0.6rem;align-items:flex-start}
.sub-list li::before{content:'';width:5px;height:5px;background:var(--sky);border-radius:50%;flex-shrink:0;margin-top:0.58rem}
.sub-full{grid-column:1/-1}
.anz-note, .uae-note{font-size:0.78rem;color:var(--sky);font-style:normal;margin-top:0.85rem;padding-top:0.7rem;border-top:1px solid var(--border)}

footer{background:var(--navy);border-top:3px solid rgba(255,255,255,0.07)}
.footer-top{max-width:1200px;margin:0 auto;padding:2.5rem 5%;display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2.5rem}
.ft-brand{font-family:"Poppins", sans-serif;font-size:1.1rem;font-weight:700;color:var(--sky-light);margin-bottom:0.6rem}
.ft-brand span{font-style:normal;color:rgba(255,255,255,0.35);font-weight:400}
.ft-tagline{font-size:0.8rem;color:rgba(255,255,255,0.35);line-height:1.8}
.ft-group{font-size:0.73rem;color:rgba(255,255,255,0.25);margin-top:1rem}
.ft-group a{color:rgba(155,202,216,0.6);text-decoration:none}
.ft-heading{font-size:0.7rem;letter-spacing:0.15em;text-transform:uppercase;color:rgba(255,255,255,0.35);margin-bottom:0.85rem;padding-bottom:0.5rem;border-bottom:1px solid rgba(255,255,255,0.08)}
.ft-links{display:flex;flex-direction:column;gap:0.45rem}
.ft-links a{font-size:0.8rem;color:rgba(255,255,255,0.4);text-decoration:none;display:flex;align-items:center;gap:0.4rem;transition:color 0.2s}
.ft-links a:hover{color:var(--sky-light)}
.ft-links a::before{content:'›';color:rgba(155,202,216,0.4);font-size:0.95rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.06)}
.fbi{max-width:1200px;margin:0 auto;padding:1rem 5%;display:flex;justify-content:space-between;flex-wrap:wrap;gap:0.5rem}
.ft-copy{font-size:0.72rem;color:rgba(255,255,255,0.22)}
.ft-abn{font-size:0.7rem;color:rgba(255,255,255,0.18)}

@media(max-width:768px){
  .sub-grid{grid-template-columns:1fr}.sub-full{grid-column:1}
  .nav-links{display:none}.top-bar .tb-left{display:none}
  .footer-top{grid-template-columns:1fr 1fr;gap:2rem}
  .fbi{flex-direction:column}
}
/* ── Images & parallax ── */
.slide{background-size:cover;background-position:center}
.slide-overlay{position:absolute;inset:0;background:rgba(16,38,56,0.68);z-index:0}
.slide-content{z-index:2}
.sg{z-index:1}
.srv-card-img{height:240px;background-size:cover;background-position:center;margin:-2rem -1.75rem 1.25rem;position:relative;overflow:hidden;transition:filter 0.3s}
.srv-card:hover .srv-card-img{filter:brightness(0.82) saturate(1.1)}
.parallax-cta{position:relative;background-size:cover;background-position:center;background-attachment:fixed;padding:7rem 4%;text-align:center}
.parallax-cta::before{content:'';position:absolute;inset:0;background:rgba(16,38,56,0.83)}
.parallax-inner{position:relative;z-index:1;max-width:700px;margin:0 auto}
.parallax-label{font-size:0.7rem;letter-spacing:0.2em;text-transform:uppercase;color:rgba(255,255,255,0.45);margin-bottom:1rem}
.parallax-title{font-family:"Poppins", sans-serif;font-size:clamp(1.8rem,4vw,2.8rem);font-weight:500;color:#fff;line-height:1.25;margin-bottom:1.2rem}
.parallax-sub{font-size:0.97rem;color:rgba(255,255,255,0.72);max-width:540px;margin:0 auto 2rem;line-height:1.75}
.parallax-btn{display:inline-block;padding:0.85rem 2.2rem;background:var(--gold);color:var(--navy);font-family:'Outfit',sans-serif;font-weight:500;font-size:0.88rem;letter-spacing:0.08em;text-transform:uppercase;border-radius:2px;text-decoration:none;transition:opacity 0.2s}
.parallax-btn:hover{opacity:0.85}
@media(max-width:640px){.parallax-cta{background-attachment:scroll;padding:4rem 4%}}

.dd{
  list-style: none;
}
.nl-form {
    max-width: 486px;
}
.wpcf7 form .cform .wpcf7-response-output {
    margin: 0;
}
.nl-form .wpcf7-not-valid-tip {
    position: absolute;
}
.newsletter-band .wpcf7 form.invalid .wpcf7-response-output, 
.newsletter-band .wpcf7 form.unaccepted .wpcf7-response-output, 
.newsletter-band .wpcf7 form.payment-required .wpcf7-response-output {
    color: #ffb900;
    max-width: 486px;
    margin-left: auto;
    margin-right: auto;
}

blockquote.wp-block-quote {
    background: var(--slate);
    border-left: 4px solid var(--sky);
    padding: 1.25rem 1.5rem;
    margin: 1.75rem 0;
}

blockquote.wp-block-quote h5 {
    font-family: "Poppins", sans-serif;
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 0.5rem;
    font-style: normal;
}
blockquote.wp-block-quote p {
    font-size: 0.87rem;
    color: var(--txt3);
    margin: 0;
    line-height: 1.75;
    font-weight: 300;
}

.loader-div{
  width: 100%;
  display: flex;
  grid-area: 1 / 2;
  justify-content: center;
  align-items: center;
}
.loader {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  position: relative;
  animation: rotate 1s linear infinite
}
.loader::before , .loader::after {
  content: "";
  box-sizing: border-box;
  position: absolute;
  inset: 0px;
  border-radius: 50%;
  border: 5px solid var(--navy);
  animation: prixClipFix 2s linear infinite ;
}
.loader::after{
  inset: 8px;
  transform: rotate3d(90, 90, 0, 180deg );
  border-color: var(--sky);
}

@keyframes rotate {
  0%   {transform: rotate(0deg)}
  100%   {transform: rotate(360deg)}
}

@keyframes prixClipFix {
    0%   {clip-path:polygon(50% 50%,0 0,0 0,0 0,0 0,0 0)}
    50%  {clip-path:polygon(50% 50%,0 0,100% 0,100% 0,100% 0,100% 0)}
    75%, 100%  {clip-path:polygon(50% 50%,0 0,100% 0,100% 100%,100% 100%,100% 100%)}
}


@media only screen and (max-width: 767px) {
  .loader-div{
    grid-area: 1 / 1;
  }
}
/* ============================================
     MATTOFIN — Global Operations Section
     Wrap everything inside .mtf-countries so it
     never conflicts with your WordPress theme.
     ============================================ */
     
  .mtf-countries{
    --brand:#1c3d54;
    --brand-dark:#162f42;
    --brand-deeper:#224a63;
    --cream:#f5f1ea;
    --accent:#e8dfd0;
    --ink:#f5f3ee;
    --muted:rgba(245,241,234,.65);
    --line:rgba(245,241,234,.12);

    background:var(--brand-deeper);
    color:var(--ink);
    font-family:'Inter',sans-serif;
    padding:80px 24px;
    background-image:
      radial-gradient(900px 500px at 85% -10%, rgba(58,110,143,.3), transparent 60%),
      radial-gradient(700px 400px at 0% 110%, rgba(28,61,84,.5), transparent 60%);
  }
  .mtf-countries *{box-sizing:border-box}

  .mtf-wrap{max-width:1280px;margin:0 auto}

  /* Header */
  .mtf-header{
    display:flex;
    justify-content:space-between;
    align-items:flex-end;
    margin-bottom:60px;
    padding-bottom:28px;
    border-bottom:1px solid var(--line);
    flex-wrap:wrap;
    gap:24px;
  }
  .mtf-eyebrow{
    font-size:11px;
    letter-spacing:.3em;
    text-transform:uppercase;
    color:var(--accent);
    margin-bottom:18px;
    display:flex;
    align-items:center;
    gap:12px;
  }
  .mtf-eyebrow::before{
    content:"";
    width:32px;
    height:1px;
    background:var(--accent);
  }
  .mtf-countries h1{
    font-family:'Fraunces',serif;
    font-weight:300;
    font-size:clamp(2.2rem,5vw,3.6rem);
    line-height:1.05;
    letter-spacing:-.02em;
    margin:0;
    color:var(--ink);
  }
  .mtf-countries h1 em{
    font-style:normal;
    color:var(--accent);
    font-weight:400;
  }
  .mtf-sub{
    color:var(--muted);
    font-size:14px;
    max-width:340px;
    line-height:1.6;
    margin:0;
  }

  /* Grid */
  .mtf-grid{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:20px;
  }
  @media (max-width:980px){.mtf-grid{grid-template-columns:repeat(2,1fr)}}
  @media (max-width:520px){.mtf-grid{grid-template-columns:1fr}}

  /* Card */
  .mtf-card{
    position:relative;
    aspect-ratio:3/4;
    border-radius:4px;
    overflow:hidden;
    cursor:pointer;
    border:1px solid var(--line);
    transition:transform .5s cubic-bezier(.2,.8,.2,1), border-color .4s ease, box-shadow .4s ease;
    text-decoration:none;
    color:inherit;
    display:block;
    box-shadow:0 4px 20px rgba(0,0,0,.3);
  }
  .mtf-card:hover{
    transform:translateY(-6px);
    border-color:rgba(232,223,208,.4);
    box-shadow:0 20px 40px rgba(0,0,0,.5);
  }

  /* Background image layer */
  .mtf-card-bg{
    position:absolute;
    inset:0;
    background-size:cover;
    background-position:center;
    transition:transform 1.2s cubic-bezier(.2,.8,.2,1);
    z-index:1;
  }
  .mtf-card:hover .mtf-card-bg{transform:scale(1.08)}

  /* Brand-tinted overlay so all cards feel like one family */
  .mtf-card::before{
    content:"";
    position:absolute;
    inset:0;
    z-index:2;
    background:
      linear-gradient(180deg,
        rgba(28,61,84,.35) 0%,
        rgba(19,41,58,.7) 55%,
        rgba(10,24,32,.95) 100%);
    transition:opacity .4s ease;
  }

  /* Subtle grid pattern overlay */
  .mtf-card::after{
    content:"";
    position:absolute;
    inset:0;
    z-index:2;
    background-image:
      linear-gradient(rgba(232,223,208,.04) 1px, transparent 1px),
      linear-gradient(90deg, rgba(232,223,208,.04) 1px, transparent 1px);
    background-size:32px 32px;
    pointer-events:none;
  }

  /* Card content */
  .mtf-inner{
    position:relative;
    z-index:3;
    height:100%;
    padding:28px;
    display:flex;
    flex-direction:column;
    justify-content:space-between;
  }
  .mtf-top{
    display:flex;
    justify-content:space-between;
    align-items:flex-start;
  }
  .mtf-num{
    font-family:'Fraunces',serif;
    font-size:13px;
    color:var(--accent);
    letter-spacing:.1em;
  }
  .mtf-flag{
    font-size:24px;
    line-height:1;
    filter:drop-shadow(0 2px 8px rgba(0,0,0,.6));
  }
  .mtf-bottom{
    transform:translateY(0);
    transition:transform .5s cubic-bezier(.2,.8,.2,1);
  }
  .mtf-card:hover .mtf-bottom{transform:translateY(-58px)}

  .mtf-region{
    font-size:10px;
    letter-spacing:.3em;
    text-transform:uppercase;
    color:var(--muted);
    margin-bottom:10px;
  }
  .mtf-title{
    font-family:'Fraunces',serif;
    font-weight:400;
    font-size:1.65rem;
    line-height:1.1;
    letter-spacing:-.01em;
    margin:0 0 8px 0;
    color:var(--cream);
  }
  .mtf-country{
    font-family:'Fraunces',serif;
    font-style:normal;
    font-weight:300;
    color:var(--accent);
    font-size:1.1rem;
  }

  /* Know more button */
  .mtf-more{
    position:absolute;
    left:28px;
    right:28px;
    bottom:-50px;
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:14px 18px;
    background:var(--accent);
    color:var(--brand-dark);
    border-radius:2px;
    font-size:12px;
    font-weight:500;
    letter-spacing:.15em;
    text-transform:uppercase;
    opacity:0;
    z-index:4;
    transition:bottom .5s cubic-bezier(.2,.8,.2,1), opacity .4s ease, background .3s ease;
  }
  .mtf-card:hover .mtf-more{
    bottom:28px;
    opacity:1;
  }
  .mtf-more:hover{background:#fff}
  .mtf-more svg{
    width:14px;
    height:14px;
    transition:transform .3s ease;
  }
  .mtf-card:hover .mtf-more svg{transform:translateX(4px)}

  /* Top hover accent line */
  .mtf-line{
    position:absolute;
    top:0;
    left:0;
    height:2px;
    width:0;
    background:var(--accent);
    z-index:4;
    transition:width .6s cubic-bezier(.2,.8,.2,1);
  }
  .mtf-card:hover .mtf-line{width:100%}

  /* ============================================
     COUNTRY BACKGROUND IMAGES
     Replace these URLs with images uploaded to
     your WordPress Media Library.
     ============================================ */
  .mtf-card[data-country="uae"] .mtf-card-bg{
    background-image:url('https://images.unsplash.com/photo-1512453979798-5ea266f8880c?w=900&q=80');
  }
  .mtf-card[data-country="singapore"] .mtf-card-bg{
    background-image:url('https://images.unsplash.com/photo-1565967511849-76a60a516170?w=900&q=80');
  }
  .mtf-card[data-country="anz"] .mtf-card-bg{
    background-image:url('https://images.unsplash.com/photo-1506973035872-a4ec16b8e8d9?w=900&q=80');
  }
  .mtf-card[data-country="usa"] .mtf-card-bg{
    background-image:url('https://images.unsplash.com/photo-1496442226666-8d4d0e62e6e9?w=900&q=80');
  }