:root {
    --brand: #ff7f26;
    --brand-dark: #e8691a;
    --brand-soft: #fff3ea;
    --navy: #0e1a35;
    --navy-2: #16264a;
    --muted: #5d6b88;
    --muted-light: #b7c1d6;
    --line: #e6eaf2;
    --bg: #ffffff;
    --bg-alt: #f5f8fc;
    --radius: 14px;
    --shadow: 0 10px 30px rgba(14, 26, 53, .08);
    --shadow-lg: 0 20px 50px rgba(14, 26, 53, .16);
    --header-h: 72px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: var(--header-h); }
body {
    margin: 0;
    font-family: 'Roboto', system-ui, -apple-system, 'Segoe UI', Arial, sans-serif;
    font-size: 16px;
    line-height: 1.65;
    color: var(--muted);
    background: var(--bg);
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: var(--brand); text-decoration: none; }
h1, h2, h3, h4 { color: var(--navy); margin: 0 0 .5em; line-height: 1.2; font-weight: 700; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); font-weight: 900; letter-spacing: -.02em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); letter-spacing: -.01em; }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
.text-color { color: var(--brand); }
.container { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 20px; }
.center { text-align: center; }

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: .5em;
    padding: .85em 1.8em; border-radius: 999px; border: 2px solid var(--brand);
    background: var(--brand); color: #fff; font: 500 .95rem/1 inherit; font-family: inherit;
    cursor: pointer; transition: background .2s, border-color .2s, transform .2s, box-shadow .2s;
    box-shadow: 0 8px 20px rgba(255, 127, 38, .3);
}
.btn:hover { background: var(--brand-dark); border-color: var(--brand-dark); transform: translateY(-2px); }
.btn:focus-visible, a:focus-visible, button:focus-visible, input:focus-visible { outline: 3px solid rgba(255, 127, 38, .45); outline-offset: 3px; }
.btn-sm { padding: .6em 1.4em; font-size: .9rem; box-shadow: none; }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.6); box-shadow: none; }
.btn-ghost:hover { background: #fff; color: var(--navy); border-color: #fff; }

/* ---------- Header ---------- */
.site-header {
    position: fixed; inset: 0 0 auto 0; z-index: 100; height: var(--header-h);
    display: flex; align-items: center;
    background: rgba(255, 255, 255, .92); backdrop-filter: saturate(180%) blur(12px);
    -webkit-backdrop-filter: saturate(180%) blur(12px);
    border-bottom: 1px solid transparent; transition: border-color .3s, box-shadow .3s;
}
.site-header.scrolled { border-bottom-color: var(--line); box-shadow: 0 4px 20px rgba(14, 26, 53, .06); }
.site-header .container { display: flex; align-items: center; justify-content: space-between; }
.brand { display: inline-flex; align-items: center; gap: .55rem; font-size: 1.45rem; font-weight: 900; color: var(--navy); letter-spacing: -.02em; }
.brand-mark {
    width: 34px; height: 34px; border-radius: 10px; background: var(--brand); color: #fff;
    display: grid; place-items: center; font-size: 1.1rem;
}
.nav-list { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: .25rem; }
.nav-list a:not(.btn) {
    display: block; padding: .5rem .9rem; color: var(--navy); font-weight: 500; font-size: .95rem;
    border-radius: 8px; position: relative; transition: color .2s;
}
.nav-list a:not(.btn):hover, .nav-list a.active { color: var(--brand); }
.nav-list li:last-child { margin-left: .75rem; }
.nav-toggle {
    display: none; width: 44px; height: 44px; border: 0; border-radius: 10px; background: var(--bg-alt);
    color: var(--navy); font-size: 1.25rem; cursor: pointer;
}

/* ---------- Section dots ---------- */
.dots { position: fixed; right: 22px; top: 50%; transform: translateY(-50%); z-index: 90; }
.dots ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 14px; }
.dots a { display: block; position: relative; width: 12px; height: 12px; border-radius: 50%; background: rgba(14, 26, 53, .25); border: 2px solid #fff; box-shadow: 0 0 0 1px rgba(14,26,53,.15); transition: background .2s, transform .2s; }
.dots a:hover, .dots a.active { background: var(--brand); transform: scale(1.25); }
.dots a span {
    position: absolute; right: 22px; top: 50%; transform: translateY(-50%); white-space: nowrap;
    background: var(--navy); color: #fff; font-size: .75rem; padding: .3em .7em; border-radius: 6px;
    opacity: 0; pointer-events: none; transition: opacity .2s;
}
.dots a:hover span, .dots a:focus-visible span { opacity: 1; }

/* ---------- Sections ---------- */
.section { position: relative; min-height: 100vh; display: flex; align-items: center; padding: calc(var(--header-h) + 48px) 0 72px; overflow: hidden; }
.section > .container { position: relative; z-index: 1; }
.bg-blobs { background: #fff url('../../images/hd-4.jpg') center / cover no-repeat; }
.bg-alt { background: var(--bg-alt); }
.bg-photo { background: var(--navy) url('../../images/entrepreneur-2.jpg') center / cover no-repeat; }
.bg-photo::before { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg, rgba(14, 26, 53, .92) 0%, rgba(14, 26, 53, .78) 55%, rgba(255, 127, 38, .55) 100%); }
.bg-navy { background: radial-gradient(1200px 600px at 85% 20%, rgba(255, 127, 38, .22), transparent 60%), linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%); }
.dark h1, .dark h2, .dark h3, .dark h4 { color: #fff; }
.dark { color: var(--muted-light); }
.dark .card { color: var(--muted); }
.dark .card h2, .dark .card h3 { color: var(--navy); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.grid-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.section-cta { margin-top: 48px; text-align: center; }

.eyebrow { display: inline-block; font-size: .8rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--brand); margin-bottom: 1rem; }
.lead { font-size: 1.15rem; color: var(--navy); font-weight: 500; }
.dark .lead { color: #fff; }
.tagline { font-size: 1.25rem; font-weight: 500; color: var(--navy); margin-bottom: 0; }

/* ---------- Cards ---------- */
.card {
    background: #fff; border-radius: var(--radius); padding: 36px; box-shadow: var(--shadow);
    border: 1px solid var(--line); transition: transform .25s, box-shadow .25s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.card p:last-child { margin-bottom: 0; }
.card-accent { border-top: 4px solid var(--brand); }

.feature { text-align: center; padding: 26px 16px; border-radius: var(--radius); background: rgba(255, 255, 255, .85); border: 1px solid var(--line); box-shadow: var(--shadow); }
.feature i { font-size: 1.6rem; color: var(--brand); width: 58px; height: 58px; line-height: 58px; border-radius: 50%; background: var(--brand-soft); margin-bottom: 12px; }
.feature strong { display: block; color: var(--navy); font-size: 1rem; line-height: 1.3; }

.icon-circle {
    width: 60px; height: 60px; border-radius: 50%; display: grid; place-items: center; margin-bottom: 18px;
    background: var(--brand); color: #fff; font-size: 1.5rem; box-shadow: 0 8px 18px rgba(255, 127, 38, .35);
}

/* ---------- Stats ---------- */
.stat { background: #fff; border-radius: var(--radius); padding: 28px 18px; text-align: center; box-shadow: var(--shadow); border: 1px solid var(--line); }
.stat-num { display: block; font-size: clamp(2rem, 3.5vw, 2.8rem); font-weight: 900; color: var(--navy); line-height: 1.1; }
.stat-num::after { content: '+'; color: var(--brand); }
.stat-label { display: block; margin-top: 6px; font-size: .9rem; }
.stat i { color: var(--brand); font-size: 1.3rem; margin-bottom: 10px; display: block; }

/* ---------- Progress ---------- */
.progress-item + .progress-item { margin-top: 26px; }
.progress-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 8px; }
.progress-head h3 { margin: 0; font-size: 1rem; color: #fff; font-weight: 500; }
.progress-head span { color: #fff; font-weight: 700; }
.progress { height: 10px; border-radius: 999px; background: rgba(255, 255, 255, .12); overflow: hidden; }
.progress-bar { height: 100%; width: 0; border-radius: inherit; background: linear-gradient(90deg, var(--brand), #ffb27a); transition: width 1.6s cubic-bezier(.2, .8, .2, 1); }

/* ---------- Tabs ---------- */
.tabs { display: inline-flex; gap: 4px; padding: 5px; border-radius: 999px; background: rgba(255, 255, 255, .08); border: 1px solid rgba(255,255,255,.12); margin-bottom: 26px; flex-wrap: wrap; }
.tab { border: 0; background: transparent; color: var(--muted-light); font: 500 .95rem inherit; font-family: inherit; padding: .6em 1.3em; border-radius: 999px; cursor: pointer; transition: background .2s, color .2s; }
.tab:hover { color: #fff; }
.tab[aria-selected="true"] { background: var(--brand); color: #fff; }
.tab-panel { display: grid; gap: 14px; animation: fadeIn .4s ease; }
.tab-panel[hidden] { display: none; }
.tab-panel .card { padding: 22px 24px; display: grid; grid-template-columns: auto 1fr; column-gap: 18px; align-items: start; }
.tab-panel .card:hover { transform: translateX(4px); }
.tab-panel h3 { font-size: 1.05rem; margin-bottom: .3em; }
.tab-panel p { font-size: .93rem; line-height: 1.6; grid-column: 2; }
.tab-panel .icon-circle { width: 48px; height: 48px; font-size: 1.2rem; margin: 0; grid-row: span 2; }

/* ---------- Report ---------- */
.report-cover {
    position: relative; border-radius: 20px; padding: 48px 40px; min-height: 380px; color: #fff; overflow: hidden;
    display: flex; flex-direction: column; justify-content: flex-end;
    background: linear-gradient(160deg, rgba(14, 26, 53, .35), rgba(14, 26, 53, .95)), url('../../images/entrepreneur-2.jpg') center / cover;
    box-shadow: var(--shadow-lg);
}
.report-cover .badge { position: absolute; top: 28px; left: 40px; background: var(--brand); color: #fff; font-size: .75rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; padding: .45em 1em; border-radius: 999px; }
.report-cover h2 { color: #fff; }
.report-cover p { color: rgba(255, 255, 255, .85); margin: 0; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 18px; }
.input {
    width: 100%; padding: .9em 1.1em; border-radius: 10px; border: 1px solid var(--line); background: var(--bg-alt);
    font: inherit; color: var(--navy); transition: border-color .2s, background .2s;
}
.input:focus { outline: none; border-color: var(--brand); background: #fff; }
.form-msg { margin: 16px 0 0; padding: .8em 1em; border-radius: 10px; font-size: .92rem; background: #e9f8ef; color: #1d7a45; }
.form-msg[hidden] { display: none; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: var(--muted-light); padding: 56px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.2fr 1fr auto; gap: 32px; align-items: center; padding-bottom: 40px; }
.site-footer .brand { color: #fff; }
.site-footer p { margin: 8px 0 0; }
.contact-list { display: flex; flex-wrap: wrap; gap: 10px 24px; }
.contact-list a, .contact-list span { color: var(--muted-light); display: inline-flex; align-items: center; gap: 8px; }
.contact-list a:hover { color: #fff; }
.contact-list i { color: var(--brand); }
.social { display: flex; gap: 10px; }
.social a { width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: rgba(255, 255, 255, .08); color: #fff; transition: background .2s, transform .2s; }
.social a:hover { background: var(--brand); transform: translateY(-2px); }
.copy { border-top: 1px solid rgba(255, 255, 255, .08); padding: 20px 0; font-size: .88rem; text-align: center; }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .8s ease, transform .8s ease; }
.reveal.in { opacity: 1; transform: none; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    .reveal { opacity: 1; transform: none; transition: none; }
    .progress-bar, .tab-panel { transition: none; animation: none; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1279px) {
    .dots { display: none; }
}
@media (max-width: 991px) {
    .nav-toggle { display: grid; place-items: center; }
    .site-nav {
        position: absolute; top: var(--header-h); left: 0; right: 0; background: #fff;
        border-bottom: 1px solid var(--line); box-shadow: 0 12px 24px rgba(14, 26, 53, .08);
        max-height: 0; overflow: hidden; transition: max-height .3s ease;
    }
    .site-nav.open { max-height: 480px; }
    .nav-list { flex-direction: column; align-items: stretch; padding: 12px 20px 20px; gap: 2px; }
    .nav-list a:not(.btn) { padding: .8rem .5rem; border-bottom: 1px solid var(--line); }
    .nav-list li:last-child { margin: 14px 0 0; }
    .nav-list .btn { width: 100%; }
    .dots { display: none; }
    .grid-2 { grid-template-columns: 1fr; gap: 40px; }
    .section { min-height: auto; padding: calc(var(--header-h) + 40px) 0 64px; }
    .footer-grid { grid-template-columns: 1fr; text-align: center; }
    .contact-list, .social { justify-content: center; }
}
@media (max-width: 680px) {
    .grid-cards, .form-row { grid-template-columns: 1fr; }
    .grid-3 { grid-template-columns: 1fr 1fr 1fr; gap: 10px; }
    .feature { padding: 18px 8px; }
    .feature i { width: 46px; height: 46px; line-height: 46px; font-size: 1.25rem; }
    .feature strong { font-size: .85rem; }
    .stats.grid-3 { grid-template-columns: 1fr; }
    .card { padding: 26px 22px; }
    .report-cover { padding: 80px 24px 28px; min-height: 300px; }
    .report-cover .badge { left: 24px; }
}

/* ---------- Inner pages ---------- */
.page-hero { padding: calc(var(--header-h) + 72px) 0 72px; color: var(--muted-light); }
.page-hero h1 { color: #fff; max-width: 820px; }
.page-hero .lead { color: #fff; max-width: 720px; font-weight: 400; }
.breadcrumb { list-style: none; margin: 0 0 1.4rem; padding: 0; display: flex; flex-wrap: wrap; gap: .4rem; font-size: .88rem; }
.breadcrumb li + li::before { content: '/'; margin-right: .4rem; color: rgba(255, 255, 255, .4); }
.breadcrumb a { color: var(--muted-light); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb [aria-current] { color: var(--brand); }

.page-section { padding: 80px 0; }
.page-section + .page-section { padding-top: 0; }
.page-section.bg-alt, .page-section.bg-navy { padding-top: 80px; }
.section-head { max-width: 760px; margin-bottom: 40px; }
.section-head.center { margin-left: auto; margin-right: auto; }
.prose { max-width: 760px; }
.prose p, .prose li { font-size: 1.05rem; }
.prose ul { padding-left: 1.2em; margin: 0 0 1em; }
.prose li + li { margin-top: .4em; }
.prose h3 { margin-top: 1.6em; }
.prose strong { color: var(--navy); }
.dark .prose strong { color: #fff; }

.grid-auto { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 24px; }
.card h3 { margin-top: 0; }

.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 32px 20px; counter-reset: step; }
.steps li { position: relative; padding: 32px 26px 26px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow); counter-increment: step; }
.steps li::before { content: counter(step); position: absolute; top: -18px; left: 26px; width: 38px; height: 38px; border-radius: 50%; background: var(--brand); color: #fff; font-weight: 700; display: grid; place-items: center; box-shadow: 0 8px 18px rgba(255, 127, 38, .35); }
.steps h3 { font-size: 1.05rem; }
.steps p { margin: 0; font-size: .95rem; }

.notice { border-left: 4px solid var(--brand); background: var(--brand-soft); padding: 18px 22px; border-radius: 0 10px 10px 0; color: var(--navy); font-size: .95rem; }
.notice p:last-child { margin: 0; }

.cta-band { border-radius: 20px; padding: 48px 40px; text-align: center; }
.cta-band .lead { max-width: 640px; margin: 0 auto 1.6em; font-weight: 400; }

/* Blog */
.post-list { display: grid; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); margin-bottom: 64px; }
.post-card { display: flex; flex-direction: column; }
.post-card h3 a { color: var(--navy); }
.post-card h3 a:hover { color: var(--brand); }
.post-card .more { margin-top: auto; font-weight: 500; }
.post-meta { display: block; font-size: .82rem; text-transform: uppercase; letter-spacing: .1em; color: var(--brand); font-weight: 700; margin-bottom: .6em; }
.article { padding: 56px 0; border-top: 1px solid var(--line); }
.article:first-of-type { border-top: 0; padding-top: 0; }
.article header { margin-bottom: 1.2em; }
.article h2 { scroll-margin-top: calc(var(--header-h) + 20px); }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 40px; align-items: start; }
.contact-info { display: grid; gap: 18px; }
.contact-info .card { padding: 26px 28px; display: grid; grid-template-columns: auto 1fr; column-gap: 18px; align-items: start; }
.contact-info .icon-circle { width: 48px; height: 48px; font-size: 1.2rem; margin: 0; grid-row: span 2; }
.contact-info h3 { margin-bottom: .2em; font-size: 1.05rem; }
.contact-info p { margin: 0; }
.field { margin-bottom: 16px; }
.field label { display: block; font-size: .9rem; font-weight: 500; color: var(--navy); margin-bottom: 6px; }
textarea.input { min-height: 150px; resize: vertical; }
select.input { appearance: auto; }

.footer-links { list-style: none; margin: 0; padding: 0 0 28px; display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 24px; }
.footer-links a { color: var(--muted-light); font-size: .92rem; }
.footer-links a:hover { color: #fff; }

@media (max-width: 991px) {
    .contact-grid { grid-template-columns: 1fr; }
    .page-hero { padding: calc(var(--header-h) + 48px) 0 56px; }
    .page-section, .page-section.bg-alt, .page-section.bg-navy { padding-top: 64px; padding-bottom: 64px; }
}
@media (max-width: 680px) {
    .cta-band { padding: 36px 22px; }
    .contact-info .card { padding: 22px; }
}