/* Nidhatri Infinite Capital - theme derived from the logo: orange #FB8316 + sky blue #0F9BD6 on deep ink */
:root{
  --ink:#10243A; --ink-2:#1B3550; --orange:#FB8316; --orange-d:#B94A00; --blue:#0F9BD6; --blue-d:#0A6A94;
  --cream:#FFF8F0; --sand:#FBEBD8; --slate:#46566A; --line:#E8DDCF; --white:#fff;
  --r:12px; --shadow:0 10px 30px rgba(16,36,58,.09); --shadow-s:0 2px 10px rgba(16,36,58,.07);
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans","Noto Sans Gujarati",sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:400 1.0625rem/1.65 var(--sans);color:var(--slate);background:var(--cream);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue-d);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--orange-d)}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);line-height:1.2;margin:0 0 .5em;font-weight:700}
h1{font-size:clamp(2rem,4.4vw,3.2rem);letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,3vw,2.2rem)}
h3{font-size:1.3rem}
p{margin:0 0 1em}
ul,ol{margin:0 0 1em;padding-left:1.25em}
.container{width:100%;max-width:1180px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 14px;z-index:100}
.skip:focus{left:8px;top:8px}
.ic{flex:none;vertical-align:-.2em}
.small{font-size:.92rem}
.center{text-align:center}
.eyebrow{display:inline-block;font:600 .8rem/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--orange-d);margin-bottom:14px}
.lead{font-size:1.2rem;color:var(--slate);max-width:62ch}

/* Utility bar */
.utility{background:var(--ink);color:#DCE6F0;font-size:.88rem}
.utility a{color:#fff;text-decoration:none}
.utility a:hover{color:var(--orange)}
.utility-in{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:40px;flex-wrap:wrap;padding-top:6px;padding-bottom:6px}
.utility-contact{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.utility-contact .ic{color:var(--orange)}
.utility-reg{font-size:.9rem;font-weight:600;color:#fff}
.utility-reg::before{content:"";display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--orange);margin-right:8px}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:saturate(1.4) blur(6px);border-bottom:1px solid var(--line)}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}
.brand img{width:auto;height:52px}
.primary-nav{display:flex;align-items:center;gap:26px}
.primary-nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0}
.primary-nav ul a{display:block;padding:10px 12px;border-radius:8px;color:var(--ink);font-weight:600;text-decoration:none;font-size:1rem}
.primary-nav ul a:hover{background:var(--sand);color:var(--ink)}
.primary-nav ul a[aria-current]{color:var(--orange-d);box-shadow:inset 0 -3px 0 var(--orange);border-radius:0}
.nav-cta{display:flex;gap:10px;align-items:center}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;color:var(--ink);width:48px;height:48px;align-items:center;justify-content:center;cursor:pointer}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 24px;border-radius:999px;font:700 1rem/1 var(--sans);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--orange);color:var(--ink);box-shadow:0 6px 16px rgba(251,131,22,.32)}
.btn-primary:hover{background:#FF9433;color:var(--ink)}
.btn-outline{background:#fff;color:var(--ink);border-color:var(--ink)}
.btn-outline:hover{background:var(--ink);color:#fff}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{background:var(--ink-2);color:#fff}
.btn-light{background:#fff;color:var(--ink)}
.btn-sm{min-height:44px;padding:10px 18px;font-size:.95rem}
.btn-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.link-arrow{font-weight:700;text-decoration:none;display:inline-flex;gap:6px;align-items:center}
.link-arrow:hover .ic{transform:translateX(3px)}
.link-arrow .ic{transition:transform .15s}

/* Hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(180deg,var(--cream),#fff 140%);padding:64px 0 72px}
.hero::before{content:"";position:absolute;right:-120px;top:-120px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,var(--sand),transparent 68%)}
.hero-grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.hero h1{margin-bottom:.4em}
.hero .sub{font:600 1rem/1.5 var(--sans);color:var(--blue-d);letter-spacing:.02em;margin-bottom:18px}
.hero-note{margin-top:22px;font-size:.88rem;color:var(--slate);max-width:60ch}
.hero-visual{position:relative;justify-self:center;width:100%;max-width:420px}
.hero-visual::before{content:"";position:absolute;inset:22px -22px -22px 22px;border-radius:28px;background:var(--orange);opacity:.95}
.hero-visual::after{content:"";position:absolute;width:74px;height:74px;border-radius:50%;background:var(--blue);left:-26px;bottom:34px;opacity:.9}
.hero-photo{position:relative;z-index:1;border-radius:28px;overflow:hidden;background:var(--sand);aspect-ratio:4/5;box-shadow:var(--shadow)}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:center top}
.hero-badge{position:absolute;z-index:2;left:18px;bottom:-18px;background:#fff;border-radius:14px;padding:12px 16px;box-shadow:var(--shadow);display:flex;gap:10px;align-items:center;font-weight:700;color:var(--ink);font-size:.92rem}
.hero-badge .ic{color:var(--orange-d)}

/* Trust strip */
.trust{background:var(--ink);color:#fff;padding:22px 0}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.trust-item{display:flex;gap:12px;align-items:center;font-weight:600;font-size:.98rem}
.trust-item .ic{color:var(--orange);width:30px;height:30px}
.trust-item small{display:block;font-weight:400;color:#C4D2E1;font-size:.84rem}

/* Sections */
.section{padding:76px 0}
.section.alt{background:#fff}
.section.dark{background:var(--ink);color:#DCE6F0}
.section.dark h2,.section.dark h3{color:#fff}
.section-head{max-width:720px;margin:0 auto 44px;text-align:center}
.section-head p{color:var(--slate)}
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--shadow-s)}
.card h3{margin-bottom:.4em}
.card .ic-wrap{display:inline-flex;align-items:center;justify-content:center;width:52px;height:52px;border-radius:14px;background:var(--sand);color:var(--orange-d);margin-bottom:16px}
.card.lift{transition:transform .18s,box-shadow .18s}
.card.lift:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card p:last-child{margin-bottom:0}
.tile{display:flex;flex-direction:column;gap:6px;text-decoration:none;color:var(--slate);background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;transition:transform .18s,box-shadow .18s,border-color .18s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--orange);color:var(--slate)}
.tile .ic{color:var(--blue-d);width:34px;height:34px;margin-bottom:6px}
.tile strong{font:700 1.15rem var(--serif);color:var(--ink)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split img.rounded{border-radius:20px;box-shadow:var(--shadow)}
.checklist{list-style:none;padding:0}
.checklist li{position:relative;padding-left:34px;margin-bottom:12px}
.checklist li::before{content:"";position:absolute;left:0;top:.35em;width:20px;height:20px;border-radius:50%;background:var(--orange) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2310243A' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 12 4 4 8-9'/%3E%3C/svg%3E") center/14px no-repeat}

/* Steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:22px;list-style:none;padding:0}
.steps li{counter-increment:s;position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:60px 22px 22px}
.steps li::before{content:counter(s);position:absolute;left:22px;top:18px;width:36px;height:36px;border-radius:50%;background:var(--ink);color:#fff;font:700 1rem/36px var(--sans);text-align:center}
.steps li:nth-child(odd)::before{background:var(--orange);color:var(--ink)}
.steps h3{font-size:1.1rem;margin-bottom:.3em}
.steps p{font-size:.96rem;margin:0}

/* Stats */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:20px}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;text-align:center}
.stat b{display:block;font:700 2.2rem var(--serif);color:var(--ink)}
.stat span{font-size:.92rem}

/* Founders */
.person{display:flex;gap:20px;align-items:center}
.person img{width:120px;height:120px;border-radius:50%;object-fit:cover;background:var(--sand);border:4px solid #fff;box-shadow:var(--shadow-s)}
.person h3{margin:0}
.person p{margin:2px 0 0}
.role{color:var(--orange-d);font-weight:700;font-size:.95rem}

/* Timeline */
.timeline{list-style:none;margin:0;padding:0 0 0 26px;border-left:3px solid var(--sand)}
.timeline li{position:relative;padding:0 0 26px 18px}
.timeline li::before{content:"";position:absolute;left:-36px;top:4px;width:18px;height:18px;border-radius:50%;background:var(--orange);border:4px solid var(--cream)}
.timeline b{font:700 1.25rem var(--serif);color:var(--ink);display:block}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;list-style:none;padding:18px 28px 18px 0;font:700 1.08rem var(--serif);color:var(--ink);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);font:400 1.6rem var(--sans);color:var(--orange-d)}
.faq details[open] summary::after{content:"−"}
.faq details>div{padding:0 0 18px}

/* Forms */
.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;box-shadow:var(--shadow)}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:16px}
.field.full{grid-column:1/-1}
label{font-weight:600;color:var(--ink);font-size:.95rem}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{width:100%;font:inherit;color:var(--ink);background:#fff;border:1.5px solid #C9BBA8;border-radius:10px;padding:12px 14px;min-height:48px}
textarea{min-height:130px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:var(--blue);outline:3px solid rgba(15,155,214,.25)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;font-weight:400}
.consent input{width:22px;height:22px;margin-top:2px;accent-color:var(--orange-d)}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.form-error{background:#FDECEA;border:1px solid #E5A29B;color:#7A1F16;padding:12px 16px;border-radius:10px;margin-bottom:16px}
.form-note{font-size:.85rem;margin-top:12px}

/* Calculators */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.calc-out{background:var(--ink);color:#DCE6F0;border-radius:18px;padding:30px}
.calc-out h2,.calc-out h3{color:#fff}
.big{font:700 2.6rem/1.1 var(--serif);color:#fff;margin:6px 0 4px}
.kv{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.14)}
.kv b{color:#fff}
.bar{display:flex;height:16px;border-radius:99px;overflow:hidden;background:rgba(255,255,255,.14);margin:18px 0 8px}
.bar i{display:block;height:100%}
.bar .b1{background:var(--blue)}.bar .b2{background:var(--orange)}
.legend{display:flex;gap:18px;font-size:.85rem;flex-wrap:wrap}
.legend span::before{content:"";display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:6px;background:var(--blue)}
.legend span+span::before{background:var(--orange)}
.range-row{display:flex;gap:14px;align-items:center}
.range-row input[type=range]{flex:1;accent-color:var(--orange-d)}
.range-row input[type=number]{width:130px}

/* Articles & tables */
.page-hero{background:linear-gradient(180deg,var(--sand),var(--cream));padding:56px 0 48px;border-bottom:1px solid var(--line)}
.page-hero .lead{margin:0}
.crumbs{padding-top:18px;padding-bottom:0;font-size:.9rem}
.crumbs ol{list-style:none;display:flex;gap:8px;flex-wrap:wrap;margin:0;padding:0}
.crumbs li+li::before{content:"›";margin-right:8px;color:#9AA7B5}
.article{max-width:780px;margin:0 auto;padding:44px 20px 70px}
.article h2{margin-top:1.6em}
.article h3{margin-top:1.3em}
.article img{border-radius:12px;margin:18px 0}
.meta-line{color:#5B6B7D;font-size:.92rem;margin-bottom:22px}
.pills{display:flex;gap:8px;flex-wrap:wrap;margin:10px 0}
.pill{display:inline-block;background:var(--sand);color:var(--ink);border-radius:99px;padding:4px 12px;font-size:.82rem;font-weight:600;text-decoration:none}
.pill:hover{background:var(--orange);color:var(--ink)}
.table-wrap{overflow-x:auto;margin:1.2em 0;border:1px solid var(--line);border-radius:12px;background:#fff}
table{border-collapse:collapse;width:100%;font-size:.95rem}
th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--sand);color:var(--ink);font-weight:700}
tr:last-child td{border-bottom:0}
blockquote{border-left:4px solid var(--orange);margin:1.2em 0;padding:4px 0 4px 18px;color:var(--ink)}
.callout{background:#fff;border:1px solid var(--line);border-left:5px solid var(--blue);border-radius:10px;padding:16px 20px;margin:1.4em 0}
.callout.warn{border-left-color:var(--orange)}
.disclaimer{font-size:.86rem;line-height:1.55;color:inherit;opacity:.92}
.post-card{display:flex;flex-direction:column;height:100%}
.post-card h3{font-size:1.2rem}
.post-card h3 a{color:var(--ink);text-decoration:none}
.post-card h3 a:hover{color:var(--orange-d)}
.post-card .meta-line{margin-bottom:8px;font-size:.85rem}
.post-card .link-arrow{margin-top:auto;padding-top:10px}
.pager{display:flex;gap:12px;justify-content:center;margin-top:34px}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--ink),var(--ink-2));color:#DCE6F0;border-radius:22px;padding:44px;display:flex;gap:28px;align-items:center;justify-content:space-between;flex-wrap:wrap;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:var(--orange);opacity:.18}
.cta-band h2{color:#fff;margin:0 0 .3em}
.cta-band p{margin:0;max-width:52ch}
.cta-band .btn-row{margin:0;position:relative;z-index:1}

/* Footer */
.site-footer{background:var(--ink);color:#C4D2E1;padding:60px 0 28px;margin-top:0}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{color:var(--orange);text-decoration:underline}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}
.footer-logo{height:54px;width:auto;margin-bottom:14px;background:#fff;border-radius:10px;padding:6px 10px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.fh{font:700 .85rem var(--sans);letter-spacing:.12em;text-transform:uppercase;color:#fff;margin:0 0 14px}
.fh2{margin-top:22px}
.footer-legal{border-top:1px solid rgba(255,255,255,.16);margin-top:36px;padding-top:22px}
.footer-legal .disclaimer{color:#C4D2E1}

/* Mobile bar */
.tabbar,.fab{display:none}

/* Responsive */
@media (max-width:1020px){
  .hero-grid,.split,.calc{grid-template-columns:1fr}
  .g4,.steps{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .trust-grid{grid-template-columns:repeat(2,1fr)}
  .hero-visual{max-width:340px;margin-top:10px}
}
@media (max-width:860px){
  .nav-toggle{display:inline-flex}
  .primary-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:14px 20px 22px;box-shadow:var(--shadow)}
  .primary-nav.open{display:flex}
  .primary-nav ul{flex-direction:column}
  .primary-nav ul a[aria-current]{box-shadow:none;background:var(--sand);border-radius:8px}
  .nav-cta{flex-direction:column;align-items:stretch}
  .header-in{position:relative}
  .hide-sm{display:none}
}
@media (max-width:640px){
  .section{padding:54px 0}
  .g2,.g3,.g4,.steps,.fgrid,.footer-grid,.trust-grid{grid-template-columns:1fr}
  .person{flex-direction:column;text-align:center}
  .cta-band{padding:30px 24px}
  .utility-reg{width:100%}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.utility,.site-header,.tabbar,.fab,.cta-band{display:none}}

/* ===== Mobile: app-style layout (phones) ===== */
@media (max-width:640px){
  :root{--tab-h:64px;--bar-h:56px}
  html{scroll-padding-top:calc(var(--bar-h) + 8px);-webkit-tap-highlight-color:transparent}
  body{padding-bottom:calc(var(--tab-h) + env(safe-area-inset-bottom));background:#F6F1EA;overscroll-behavior-y:none;font-size:1rem;line-height:1.6;touch-action:manipulation}
  a,button,summary,.tile,.card.lift{-webkit-tap-highlight-color:transparent}
  :active:is(a.btn,button.btn,.tile,.card.lift,.tabbar a,.fab){transform:scale(.97)}
  .container{padding-left:16px;padding-right:calc(16px + env(safe-area-inset-right))}
  h1{font-size:1.85rem}h2{font-size:1.45rem}h3{font-size:1.15rem}

  /* ARN strip stays visible (regulatory), contact details move to the bottom bar */
  .utility{padding:0;background:var(--ink)}
  .utility-contact{display:none}
  .utility.no-reg{display:none}
  .utility-in{justify-content:center;padding-top:5px;padding-bottom:5px}
  .utility-reg{font-size:12px;text-align:center;width:auto}

  /* App bar */
  .site-header{position:sticky;top:0;z-index:70;background:#fff;-webkit-backdrop-filter:none;backdrop-filter:none;box-shadow:0 1px 0 var(--line);padding-top:env(safe-area-inset-top)}
  .header-in{min-height:var(--bar-h);padding-top:0;padding-bottom:0}
  .brand img{height:36px;width:auto}
  .nav-toggle{min-width:44px;min-height:44px;align-items:center;justify-content:center;border-radius:12px}
  .primary-nav{position:fixed;left:0;right:0;top:calc(var(--bar-h) + env(safe-area-inset-top));bottom:calc(var(--tab-h) + env(safe-area-inset-bottom));overflow-y:auto;border-radius:0;padding:12px 16px 24px;box-shadow:none;border:0;background:#fff}
  .primary-nav ul a{display:flex;align-items:center;min-height:52px;font-size:1.05rem;border-bottom:1px solid var(--line)}

  /* Sections become stacked app cards */
  .section{padding:30px 0}
  .section-head{margin-bottom:22px;text-align:left}
  .section-head p{font-size:.98rem}
  .card,.tile,.form-card,.faq details,.stat,.steps li{border-radius:16px}
  .card{padding:20px}
  .hero{padding:24px 0 34px}
  .hero-grid{gap:26px}
  .hero-visual{max-width:260px;margin:0 auto}
  .hero .lead{font-size:1.02rem}
  .btn-row .btn{flex:1 1 100%}
  .btn{min-height:48px;justify-content:center}
  .page-hero{padding:28px 0 24px}
  .trust{padding:14px 0}
  .trust-grid{grid-template-columns:1fr 1fr;gap:12px}
  .trust-item{font-size:.86rem;flex-direction:column;align-items:flex-start;gap:6px}
  .trust-item small{font-size:.78rem}

  /* Swipeable rows for tile groups */
  .snap{display:flex;gap:12px;overflow-x:auto;scroll-snap-type:x mandatory;margin:0 -16px;padding:2px 16px 10px;-webkit-overflow-scrolling:touch;scrollbar-width:none}
  .snap::-webkit-scrollbar{display:none}
  .snap>*{flex:0 0 78%;scroll-snap-align:start}

  /* Forms: 16px text prevents iOS zoom, big touch targets */
  input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{font-size:16px;min-height:50px}
  .form-card{padding:20px}
  .range-row input[type=number]{width:110px}
  .range-row input[type=range]{min-height:44px}

  /* Bottom tab bar */
  .tabbar{display:grid;grid-template-columns:repeat(5,1fr);position:fixed;left:0;right:0;bottom:0;z-index:80;background:rgba(255,255,255,.97);border-top:1px solid var(--line);padding-bottom:env(safe-area-inset-bottom);box-shadow:0 -4px 18px rgba(16,36,58,.08)}
  .tabbar a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;min-height:var(--tab-h);font-size:.72rem;font-weight:700;color:#5B6B7D;text-decoration:none;position:relative}
  .tabbar a[aria-current]{color:var(--orange-d)}
  .tabbar a[aria-current]::before{content:"";position:absolute;top:0;left:28%;right:28%;height:3px;border-radius:0 0 3px 3px;background:var(--orange)}
  .fab{display:flex;position:fixed;right:calc(14px + env(safe-area-inset-right));bottom:calc(var(--tab-h) + 14px + env(safe-area-inset-bottom));z-index:75;width:54px;height:54px;border-radius:50%;background:var(--orange);color:var(--ink);align-items:center;justify-content:center;box-shadow:0 8px 22px rgba(16,36,58,.28)}
  .fab:hover{color:var(--ink)}

  /* Footer compact */
  .site-footer{padding:30px 0 20px}
  .footer-grid{grid-template-columns:1fr 1fr;gap:22px}
  .footer-grid>div:first-child{grid-column:1/-1}
  .site-footer li{margin-bottom:2px}
  .site-footer li a{display:inline-block;padding:7px 0}
  .article{padding:26px 16px 40px}
  body.menu-open{overflow:hidden}
}
@media (max-width:360px){.snap>*{flex-basis:86%}.trust-grid{grid-template-columns:1fr}}
@media (display-mode:standalone){.utility-contact{display:none}}

/* Insights tabs + filter chips */
.seg{display:grid;grid-template-columns:1fr 1fr;gap:4px;padding:4px;background:#e9eef5;border-radius:14px;margin:0 0 14px}
.seg a{display:flex;align-items:center;justify-content:center;min-height:44px;padding:8px 10px;border-radius:11px;font-weight:700;font-size:.95rem;color:#243247;text-align:center;line-height:1.2;text-decoration:none}
.seg a.on{background:#fff;color:#0f1d33;box-shadow:0 1px 4px rgba(15,29,51,.15)}
.chips{display:flex;gap:8px;overflow-x:auto;margin:0 0 22px;padding-bottom:2px;scrollbar-width:none}
.chips::-webkit-scrollbar{display:none}
.chips a{flex:0 0 auto;display:inline-flex;align-items:center;min-height:38px;padding:6px 18px;border-radius:999px;border:1.5px solid #cdd7e4;background:#fff;font-weight:600;font-size:.9rem;color:#243247;text-decoration:none}
.chips a.on{background:#ff8210;border-color:#ff8210;color:#fff}
@media(min-width:700px){.seg{display:inline-grid;grid-template-columns:auto auto}.seg a{padding:8px 26px}}