* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: "Lora", sans-serif;
  background: #0b1628;
  color: #ffffff;
}

.site-header {
  border-bottom: 1px solid #22354d;
  background: #1b2b40;
}

.navbar {
  width: min(1280px, 100%);
  margin: 0 auto;
  min-height: 74px;
  padding: 10px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.brand {
  display: inline-flex;
  align-items: center;
}

.brand img {
  display: block;
  height: 38px;
  width: auto;
}

.contact-details {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  font-size: 0.82rem;
  font-weight: 400;
  color: #d2dced;
  white-space: nowrap;
}

@media (max-width: 860px) {
  .navbar {
    padding: 10px 16px;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 0.7rem;
  }

  .contact-details {
    width: 100%;
    justify-content: center;
    text-align: center;
    flex-wrap: wrap;
    gap: 0.45rem 1rem;
    font-size: 0.78rem;
    line-height: 1.4;
  }

  .brand img {
    height: 34px;
  }
}

@media (max-width: 480px) {
  .navbar {
    padding: 10px 12px 12px;
    gap: 0.6rem;
  }

  .brand img {
    height: 30px;
  }

  .contact-details {
    font-size: 0.74rem;
    gap: 0.35rem 0.7rem;
  }
}

.banner-section {
  min-height: 100vh;
  background: #0a1630;
}

.banner-container {
  width: min(1280px, 100%);
  margin: 0 auto;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 56px 28px 72px;
}

.banner-content {
  width: min(60%, 760px);
}

.banner-kicker {
  margin: 0 0 1rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 400;
  color: rgb(68, 168, 173);
  font-size: 14px;
  line-height: 14px;
}

.banner-title {
  margin: 0 0 1.4rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 500;
  color: rgb(255, 255, 255);
  font-size: 60px;
  line-height: 66px;
}

.banner-text {
  margin: 0 0 1.1rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(255, 255, 255);
  font-size: 18px;
  line-height: 36px;
}

.banner-registration {
  margin: 0.6rem 0 0;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(255, 255, 255);
  font-size: 12px;
  line-height: 12px;
}

@media (max-width: 1024px) {
  .banner-content {
    width: min(72%, 760px);
  }

  .banner-title {
    font-size: 52px;
    line-height: 58px;
  }
}

@media (max-width: 860px) {
  .banner-section,
  .banner-container {
    min-height: auto;
  }

  .banner-container {
    padding: 100px 16px;
  }

  .banner-content {
    width: 100%;
    max-width: 100%;
  }

  .banner-title {
    font-size: 44px;
    line-height: 50px;
  }

  .banner-text {
    font-size: 16px;
    line-height: 30px;
  }
}

@media (max-width: 480px) {
  .banner-container {
    padding: 100px 16px;
  }

  .banner-title {
    font-size: 36px;
    line-height: 42px;
  }

  .banner-kicker {
    font-size: 13px;
    line-height: 13px;
  }

  .banner-text {
    font-size: 15px;
    line-height: 28px;
  }
}

.research-section {
  background: #f3f3f3;
  padding: 86px 0 74px;
}

.research-container {
  width: min(1280px, 100%);
  margin: 0 auto;
  padding: 0 16px;
}

.research-kicker {
  margin: 0 0 0.8rem;
  text-align: center;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 400;
  color: rgb(68, 168, 173);
  font-size: 14px;
  line-height: 14px;
}

.research-title {
  margin: 0 0 1rem;
  text-align: center;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 600;
  color: rgb(29, 38, 48);
  font-size: 38px;
  line-height: 42px;
}

.research-title .accent {
  color: rgb(68, 168, 173);
}

.research-intro {
  margin: 0 auto 0.85rem;
  max-width: 920px;
  text-align: center;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(101, 117, 139);
  font-size: 14px;
  line-height: 26px;
}

.research-cards {
  margin-top: 2.25rem;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.9rem;
}

.research-card {
  background: #fcfcfd;
  border: 1px solid #d9dde3;
  border-radius: 8px;
  box-shadow: 0 1px 0 rgba(17, 32, 52, 0.06), 0 4px 10px rgba(17, 32, 52, 0.08);
  padding: 24px 22px 22px;
  color: rgb(101, 117, 139);
}

.research-card-head {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  margin-bottom: 0.75rem;
}

.research-icon {
  width: 68px;
  height: 68px;
  flex: 0 0 68px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  border: 1px solid #d3e8e6;
  background: #dff1ef;
  background-repeat: no-repeat;
  background-position: center;
  background-size: 56% 56%;
}

.research-icon.globe {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2364aeb1' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='12' cy='12' r='9'/%3E%3Cpath d='M3 12h18'/%3E%3Cpath d='M12 3a14 14 0 0 1 0 18'/%3E%3Cpath d='M12 3a14 14 0 0 0 0 18'/%3E%3C/svg%3E");
}

.research-icon.chart {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2364aeb1' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 20h18'/%3E%3Cpath d='M6 18V10'/%3E%3Cpath d='M11 18V6'/%3E%3Cpath d='M16 18v-8'/%3E%3Cpath d='M21 18V4'/%3E%3C/svg%3E");
}

.research-card h3 {
  margin: 0;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 600;
  color: rgb(29, 38, 48);
  font-size: 22px;
  line-height: 26px;
}

.research-card p,
.research-card li {
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(101, 117, 139);
  font-size: 14px;
  line-height: 26px;
}

.research-card p {
  margin: 0 0 0.35rem;
}

.research-card ul {
  margin: 0.15rem 0 0;
  padding-left: 1rem;
}

.research-card li {
  margin-bottom: 0.1rem;
  list-style-type: square;
}

.research-card li::marker {
  color: #65b4b9;
  font-size: 0.7em;
}

@media (max-width: 860px) {
  .research-section {
    padding: 62px 0 56px;
  }

  .research-title {
    font-size: 34px;
    line-height: 38px;
  }

  .research-cards {
    grid-template-columns: 1fr;
    gap: 0.8rem;
    margin-top: 1.8rem;
  }
}

@media (max-width: 480px) {
  .research-section {
    padding: 48px 0 44px;
  }

  .research-title {
    font-size: 30px;
    line-height: 34px;
  }

  .research-card {
    padding: 20px 16px 18px;
  }

  .research-card h3 {
    font-size: 20px;
    line-height: 24px;
  }

  .research-icon {
    width: 56px;
    height: 56px;
    flex-basis: 56px;
  }
}

.ace-edge-section .research-title {
  margin-bottom: 2rem;
}

.ace-edge-section .research-icon {
  border-color: #d2e7e4;
  background-color: #e1f1ef;
  background-size: 52% 52%;
}

.ace-edge-section .research-icon.ace4-globe {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2367aeb1' stroke-width='1.55' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='12' cy='12' r='8.5'/%3E%3Cpath d='M3.8 12h16.4'/%3E%3Cpath d='M12 3.5c2.4 2.2 3.8 5.3 3.8 8.5S14.4 18.3 12 20.5c-2.4-2.2-3.8-5.3-3.8-8.5s1.4-6.3 3.8-8.5z'/%3E%3C/svg%3E");
}

.ace-edge-section .research-icon.ace4-bars {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2367aeb1' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 20h18'/%3E%3Cpath d='M6.5 18V10'/%3E%3Cpath d='M11 18V6'/%3E%3Cpath d='M15.5 18v-8'/%3E%3Cpath d='M20 18V4'/%3E%3C/svg%3E");
}

.regulatory-section {
  background: #172338;
  padding: 78px 0 70px;
}

.regulatory-container {
  width: min(1280px, 100%);
  margin: 0 auto;
  padding: 0 16px;
}

.regulatory-kicker {
  margin: 0 0 0.8rem;
  text-align: center;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 400;
  color: rgb(68, 168, 173);
  font-size: 14px;
  line-height: 14px;
}

.regulatory-title {
  margin: 0 0 1rem;
  text-align: center;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 600;
  color: rgb(245, 245, 245);
  font-size: 38px;
  line-height: 42px;
}

.regulatory-title .accent {
  color: rgb(68, 168, 173);
}

.regulatory-intro {
  margin: 0 auto 0.95rem;
  max-width: 900px;
  text-align: center;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(243, 243, 243);
  font-size: 16px;
  line-height: 26px;
}

.regulatory-cards {
  margin-top: 2.2rem;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.regulatory-card {
  border-radius: 8px;
  border: 1px solid #2a4762;
  background: linear-gradient(180deg, #1d3a50 0%, #173247 100%);
  box-shadow: 0 1px 0 rgba(8, 20, 35, 0.22), 0 7px 14px rgba(7, 19, 32, 0.22);
  padding: 20px 20px 18px;
}

.regulatory-card-head {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  margin-bottom: 0.55rem;
}

.regulatory-icon {
  width: 68px;
  height: 68px;
  flex: 0 0 68px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  border: 1px solid #2e556d;
  background-color: #2a4a61;
  background-repeat: no-repeat;
  background-position: center;
  background-size: 54% 54%;
}

.regulatory-icon.reg-shield {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235caeb2' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 3l7 3v6c0 5-3.4 8.8-7 10-3.6-1.2-7-5-7-10V6l7-3z'/%3E%3C/svg%3E");
}

.regulatory-icon.reg-eye {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235caeb2' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M2 12s3.8-6 10-6 10 6 10 6-3.8 6-10 6S2 12 2 12z'/%3E%3Ccircle cx='12' cy='12' r='2.7'/%3E%3C/svg%3E");
}

.regulatory-icon.reg-doc {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235caeb2' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M7 3h7l4 4v14H7z'/%3E%3Cpath d='M14 3v5h5'/%3E%3Cpath d='M9 13h6M9 17h6'/%3E%3C/svg%3E");
}

.regulatory-icon.reg-alert {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235caeb2' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 3l9 16H3l9-16z'/%3E%3Cpath d='M12 9v4'/%3E%3Cpath d='M12 17h.01'/%3E%3C/svg%3E");
}

.regulatory-icon.reg-stack {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235caeb2' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 3L3 7.5 12 12l9-4.5L12 3z'/%3E%3Cpath d='M3 12l9 4.5 9-4.5'/%3E%3Cpath d='M3 16.5L12 21l9-4.5'/%3E%3C/svg%3E");
}

.regulatory-icon.reg-target {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235caeb2' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='12' cy='12' r='8'/%3E%3Ccircle cx='12' cy='12' r='4.5'/%3E%3Ccircle cx='12' cy='12' r='1.3'/%3E%3C/svg%3E");
}

.regulatory-icon.reg-trend {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235caeb2' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M4 19h16'/%3E%3Cpath d='M6 15l4-4 3 2 5-6'/%3E%3Cpath d='M16 7h2v2'/%3E%3C/svg%3E");
}

.regulatory-icon.reg-bars {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235caeb2' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 20h18'/%3E%3Cpath d='M7 18V10'/%3E%3Cpath d='M12 18V6'/%3E%3Cpath d='M17 18v-8'/%3E%3C/svg%3E");
}

.deliverables-section .regulatory-intro {
  margin-bottom: 0;
}

.deliverables-section {
  background: #f3f3f3;
}

.deliverables-section .regulatory-kicker {
  color: rgb(68, 168, 173);
}

.deliverables-section .regulatory-title {
  color: rgb(29, 38, 48);
}

.deliverables-section .regulatory-title .accent {
  color: rgb(68, 168, 173);
}

.deliverables-section .regulatory-intro {
  color: rgb(101, 117, 139);
}

.deliverables-section .regulatory-card {
  border: 1px solid #d9dde3;
  background: #fcfcfd;
  box-shadow: 0 1px 0 rgba(17, 32, 52, 0.05), 0 4px 9px rgba(17, 32, 52, 0.07);
}

.deliverables-section .regulatory-card h3 {
  color: rgb(29, 38, 48);
}

.deliverables-section .regulatory-card p {
  color: rgb(101, 117, 139);
}

.deliverables-section .regulatory-icon {
  border-color: #d2e7e4;
  background-color: #e1f1ef;
}

.deliverables-cards .regulatory-card {
  min-height: 152px;
}

.valuation-section {
  background: #f3f3f3;
  padding: 82px 0 70px;
}

.valuation-cards {
  margin-top: 2rem;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0.75rem;
}

.valuation-card {
  background: #fcfcfd;
  border: 1px solid #d9dde3;
  border-radius: 8px;
  box-shadow: 0 1px 0 rgba(17, 32, 52, 0.05), 0 4px 9px rgba(17, 32, 52, 0.07);
  padding: 40px;
  text-align: center;
}

.valuation-card h3 {
  margin: 0 0 0.5rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 600;
  color: rgb(29, 38, 48);
  font-size: 22px;
  line-height: 26px;
}

.valuation-card p {
  margin: 0;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(101, 117, 139);
  font-size: 14px;
  line-height: 24px;
}

.maximize-section {
  background: #f3f3f3;
  padding: 82px 0 72px;
}

.maximize-cards {
  margin-top: 2rem;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.75rem;
}

.maximize-card {
  background: #fcfcfd;
  border: 1px solid #d9dde3;
  border-radius: 8px;
  box-shadow: 0 1px 0 rgba(17, 32, 52, 0.05), 0 4px 9px rgba(17, 32, 52, 0.07);
  padding: 28px 22px 24px;
  text-align: center;
}

.maximize-card h3 {
  margin: 0 0 0.65rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 600;
  color: rgb(29, 38, 48);
  font-size: 22px;
  line-height: 26px;
}

.maximize-card p {
  margin: 0;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(101, 117, 139);
  font-size: 14px;
  line-height: 24px;
}

.maximize-cta {
  margin-top: 1rem;
  background: #fcfcfd;
  border: 1px solid #d9dde3;
  border-radius: 8px;
  box-shadow: 0 1px 0 rgba(17, 32, 52, 0.05), 0 4px 9px rgba(17, 32, 52, 0.07);
  padding: 18px 18px 20px;
  text-align: center;
}

.maximize-cta p {
  margin: 0 0 0.9rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(101, 117, 139);
  font-size: 14px;
  line-height: 24px;
}

.maximize-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  padding: 0 18px;
  border-radius: 10px;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 600;
  color: #ffffff;
  font-size: 22px;
  line-height: 26px;
  text-decoration: none;
  background: #44a8ad;
}

.savings-section {
  padding: 76px 0 64px;
}

.savings-cards {
  margin-top: 2rem;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.savings-card {
  min-height: 146px;
  padding: 18px 18px 16px;
}

.savings-card h3 {
  margin: 0 0 1.25rem;
}

.savings-quote {
  margin: 1.4rem 0 0;
  border: 1px solid #2a4762;
  border-radius: 8px;
  background: linear-gradient(180deg, #1d3a50 0%, #173247 100%);
  box-shadow: 0 1px 0 rgba(8, 20, 35, 0.22), 0 7px 14px rgba(7, 19, 32, 0.22);
  padding: 14px 16px;
  font-family: "Lora", sans-serif;
  font-style: italic;
  font-weight: 300;
  color: rgb(255, 255, 255);
  font-size: 14px;
  line-height: 20px;
}

.compliance-section {
  background: #1d2d45;
  padding: 76px 0 70px;
}

.compliance-section .regulatory-title {
  margin-bottom: 1rem;
}

.compliance-subtitle {
  margin-top: 2.6rem;
  margin-bottom: 1rem;
}

.compliance-cards {
  display: grid;
  gap: 0.8rem;
}

.compliance-top,
.compliance-details-top {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.compliance-details-bottom {
  margin-top: 0.8rem;
  width: min(64%, 760px);
  margin-left: auto;
  margin-right: auto;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.compliance-card {
  min-height: 96px;
  text-align: center;
  padding: 16px 16px 14px;
}

.compliance-card h3 {
  margin-bottom: 8px;
}

.compliance-card p {
  line-height: 18px;
}

.compliance-card .accent-text {
  color: rgb(68, 168, 173);
}

.disclosure-list {
  margin-top: 1.2rem;
  display: grid;
  gap: 0.75rem;
}

.disclosure-item {
  margin: 0;
  border: 1px solid #3d4b5f;
  border-radius: 7px;
  background: #3c4758;
  padding: 10px 14px;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(245, 245, 245);
  font-size: 13px;
  line-height: 20px;
}

.disclosure-item span {
  color: rgb(68, 168, 173);
  font-weight: 600;
}

.site-footer {
  background: #172338;
  border-top: 1px solid #22354d;
  padding: 44px 0 20px;
}

.footer-container {
  width: min(1280px, 100%);
  margin: 0 auto;
  padding: 0 16px;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 1.25rem;
  align-items: start;
}

.footer-brand img {
  display: block;
  height: 44px;
  width: auto;
  margin-bottom: 0.8rem;
}

.footer-brand p {
  margin: 0;
  max-width: 340px;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(243, 243, 243);
  font-size: 14px;
  line-height: 22px;
}

.footer-links h4 {
  margin: 0 0 0.45rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 600;
  color: rgb(68, 168, 173);
  font-size: 24px;
  line-height: 26px;
}

.footer-links a {
  display: block;
  text-decoration: none;
  margin-bottom: 0.25rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(255, 255, 255);
  font-size: 14px;
  line-height: 26px;
}

.footer-rules {
  margin-top: 1.4rem;
  border-top: 1px solid #2b405a;
  padding-top: 0.85rem;
  display: grid;
  gap: 0.5rem;
}

.footer-rule {
  margin: 0;
  border: 1px solid #3d4b5f;
  border-radius: 7px;
  background: #3c4758;
  padding: 9px 12px;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(245, 245, 245);
  font-size: 13px;
  line-height: 19px;
}

.footer-rule span {
  color: rgb(68, 168, 173);
  font-weight: 600;
}

.footer-copy {
  margin: 0.8rem 0 0;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(245, 245, 245);
  font-size: 14px;
  line-height: 20px;
}

.contact-section {
  background: #ffffff;
  padding: 84px 0 78px;
}

.contact-container {
  width: min(1280px, 100%);
  margin: 0 auto;
  padding: 0 16px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  align-items: start;
}

.contact-left {
  padding: 8px 10px 0 6px;
}

.contact-kicker {
  margin: 0 0 0.55rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 400;
  color: rgb(68, 168, 173);
  font-size: 14px;
  line-height: 14px;
}

.contact-title {
  margin: 0 0 0.85rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 600;
  color: rgb(29, 38, 48);
  font-size: 58px;
  line-height: 62px;
}

.contact-title span {
  color: rgb(68, 168, 173);
}

.contact-intro {
  margin: 0 0 0.95rem;
  max-width: 520px;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(101, 117, 139);
  font-size: 16px;
  line-height: 26px;
}

.contact-line {
  margin: 0 0 0.45rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 400;
  color: rgb(29, 38, 48);
  font-size: 18px;
  line-height: 24px;
}

.contact-row {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.contact-icon {
  width: 18px;
  height: 18px;
  flex: 0 0 18px;
  display: inline-flex;
  background-repeat: no-repeat;
  background-position: center;
  background-size: contain;
}

.contact-icon.small {
  width: 16px;
  height: 16px;
  flex-basis: 16px;
}

.contact-icon.icon-email {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2344a8ad' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='3' y='5' width='18' height='14' rx='2'/%3E%3Cpath d='M3 8l9 6 9-6'/%3E%3C/svg%3E");
}

.contact-icon.icon-phone {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2344a8ad' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M21 16.5v2a2 2 0 0 1-2.2 2A19.8 19.8 0 0 1 10.1 17a19.3 19.3 0 0 1-6.6-6.6A19.8 19.8 0 0 1 .9 5.2 2 2 0 0 1 2.9 3h2a2 2 0 0 1 2 1.7c.1.8.3 1.6.6 2.4a2 2 0 0 1-.5 2.1L6.2 10a16 16 0 0 0 7.8 7.8l.8-.8a2 2 0 0 1 2.1-.5c.8.3 1.6.5 2.4.6A2 2 0 0 1 21 16.5z'/%3E%3C/svg%3E");
}

.contact-icon.icon-location {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2344a8ad' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 21s7-6.2 7-11a7 7 0 1 0-14 0c0 4.8 7 11 7 11z'/%3E%3Ccircle cx='12' cy='10' r='2.5'/%3E%3C/svg%3E");
}

.contact-addresses {
  margin-top: 0.55rem;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.5rem;
}

.address-card {
  border: 1px solid #dde2e8;
  border-radius: 4px;
  background: #ffffff;
  padding: 10px 12px;
}

.address-card h3 {
  margin: 0 0 0.25rem;
  display: flex;
  align-items: center;
  gap: 0.35rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 600;
  color: rgb(29, 38, 48);
  font-size: 16px;
  line-height: 20px;
}

.address-card p {
  margin: 0;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(101, 117, 139);
  font-size: 13px;
  line-height: 20px;
}

.contact-right {
  border: 1px solid #e1e4e8;
  border-radius: 4px;
  background: #f8f8f8;
  padding: 14px 16px 16px;
}

.contact-right h3 {
  margin: 0 0 0.3rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 600;
  color: rgb(29, 38, 48);
  font-size: 30px;
  line-height: 34px;
}

.contact-right > p {
  margin: 0 0 0.9rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(101, 117, 139);
  font-size: 14px;
  line-height: 20px;
}

.form-status {
  margin: 0 0 0.7rem;
  min-height: 1.2em;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 400;
  font-size: 14px;
  line-height: 20px;
  color: #4c5f77;
}

.form-status.success {
  color: #1f8f6d;
}

.form-status.error {
  color: #b24a4a;
}

.consultation-form {
  display: grid;
  gap: 0.65rem;
}

.consultation-form label {
  display: grid;
  gap: 0.28rem;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 400;
  color: rgb(29, 38, 48);
  font-size: 14px;
  line-height: 20px;
}

.consultation-form input,
.consultation-form select {
  width: 100%;
  border: 1px solid #cfd5dc;
  border-radius: 8px;
  background: #ffffff;
  min-height: 42px;
  padding: 0 12px;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(29, 38, 48);
  font-size: 14px;
  line-height: 20px;
}

.consultation-form button {
  margin-top: 0.25rem;
  justify-self: start;
  min-height: 42px;
  padding: 0 18px;
  border: 0;
  border-radius: 8px;
  background: #44a8ad;
  color: #ffffff;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 600;
  font-size: 20px;
  line-height: 24px;
  cursor: pointer;
}

.regulatory-card h3 {
  margin: 0;
  margin-bottom: 10px;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 600;
  color: rgb(245, 245, 245);
  font-size: 22px;
  line-height: 28px;
}

.regulatory-card p {
  margin: 0;
  font-family: "Lora", sans-serif;
  font-style: normal;
  font-weight: 300;
  color: rgb(255, 255, 255);
  font-size: 14px;
  line-height: 20px;
}

@media (max-width: 860px) {
  .regulatory-section {
    padding: 58px 0 52px;
  }

  .regulatory-title {
    font-size: 33px;
    line-height: 37px;
  }

  .regulatory-intro {
    font-size: 15px;
    line-height: 24px;
  }

  .regulatory-cards {
    grid-template-columns: 1fr;
    margin-top: 1.7rem;
    gap: 0.85rem;
  }

  .valuation-section {
    padding: 60px 0 54px;
  }

  .valuation-cards {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .maximize-section {
    padding: 60px 0 54px;
  }

  .maximize-cards {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .maximize-btn {
    font-size: 18px;
    line-height: 22px;
  }

  .savings-cards {
    grid-template-columns: 1fr;
    gap: 0.85rem;
    margin-top: 1.6rem;
  }

  .savings-quote {
    margin-top: 1rem;
  }

  .compliance-top,
  .compliance-details-top {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .compliance-details-bottom {
    width: 100%;
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .disclosure-item {
    font-size: 12px;
    line-height: 18px;
  }

  .footer-top {
    grid-template-columns: 1fr 1fr;
  }

  .footer-brand {
    grid-column: 1 / -1;
  }

  .contact-section {
    padding: 62px 0 56px;
  }

  .contact-container {
    grid-template-columns: 1fr;
  }

  .contact-title {
    font-size: 48px;
    line-height: 52px;
  }
}

@media (max-width: 480px) {
  .regulatory-section {
    padding: 46px 0 42px;
  }

  .regulatory-title {
    font-size: 29px;
    line-height: 33px;
  }

  .regulatory-card {
    padding: 16px 14px 14px;
  }

  .regulatory-card h3 {
    font-size: 20px;
    line-height: 24px;
  }

  .regulatory-icon {
    width: 56px;
    height: 56px;
    flex-basis: 56px;
  }

  .valuation-section {
    padding: 46px 0 42px;
  }

  .valuation-cards {
    grid-template-columns: 1fr;
    gap: 0.7rem;
  }

  .valuation-card {
    padding: 24px 16px;
  }

  .valuation-card h3 {
    font-size: 20px;
    line-height: 24px;
  }

  .maximize-section {
    padding: 46px 0 42px;
  }

  .maximize-cards {
    grid-template-columns: 1fr;
    gap: 0.7rem;
  }

  .maximize-card {
    padding: 22px 16px 18px;
  }

  .maximize-card h3 {
    font-size: 20px;
    line-height: 24px;
  }

  .maximize-btn {
    min-height: 40px;
    font-size: 16px;
    line-height: 20px;
  }

  .compliance-section {
    padding: 46px 0 42px;
  }

  .compliance-subtitle {
    margin-top: 1.35rem;
  }

  .compliance-top,
  .compliance-details-top,
  .compliance-details-bottom {
    grid-template-columns: 1fr;
  }

  .compliance-details-bottom {
    margin-top: 0.6rem;
  }

  .compliance-card {
    min-height: 0;
    padding: 14px 12px 12px;
  }

  .disclosure-item {
    padding: 9px 10px;
    font-size: 11px;
    line-height: 17px;
  }

  .site-footer {
    padding: 34px 0 16px;
  }

  .footer-top {
    grid-template-columns: 1fr;
    gap: 1rem;
  }

  .footer-brand img {
    height: 36px;
  }

  .footer-links h4 {
    font-size: 20px;
    line-height: 22px;
  }

  .footer-links a {
    line-height: 24px;
  }

  .footer-rule {
    padding: 8px 10px;
    font-size: 11px;
    line-height: 16px;
  }

  .footer-copy {
    font-size: 12px;
    line-height: 16px;
  }

  .contact-section {
    padding: 44px 0 40px;
  }

  .contact-left {
    padding: 0;
  }

  .contact-title {
    font-size: 38px;
    line-height: 42px;
  }

  .contact-intro {
    font-size: 14px;
    line-height: 22px;
  }

  .contact-line {
    font-size: 16px;
    line-height: 22px;
  }

  .contact-addresses {
    grid-template-columns: 1fr;
  }

  .contact-right {
    padding: 12px;
  }

  .contact-right h3 {
    font-size: 26px;
    line-height: 30px;
  }

  .consultation-form button {
    font-size: 18px;
    line-height: 22px;
  }
}

.legal-page-body {
  background: #f1f3f6;
  color: #1d2630;
}

.legal-main {
  padding: 56px 0 70px;
}

.legal-section {
  background: transparent;
}

.legal-container {
  width: min(1280px, 100%);
  margin: 0 auto;
  padding: 0 16px;
}

.legal-card {
  background: #ffffff;
  border: 1px solid #dde3ea;
  border-radius: 10px;
  box-shadow: 0 4px 16px rgba(19, 37, 58, 0.08);
  padding: 28px 24px;
}

.legal-card h1 {
  margin: 0 0 0.35rem;
  font-family: "Lora", sans-serif;
  font-weight: 600;
  color: #1d2630;
  font-size: 42px;
  line-height: 48px;
}

.legal-card h2 {
  margin: 1.45rem 0 0.7rem;
  font-family: "Lora", sans-serif;
  font-weight: 600;
  color: #1d2630;
  font-size: 30px;
  line-height: 36px;
}

.legal-card h3 {
  margin: 1.15rem 0 0.6rem;
  font-family: "Lora", sans-serif;
  font-weight: 600;
  color: #1d2630;
  font-size: 22px;
  line-height: 28px;
}

.legal-card h4 {
  margin: 0.8rem 0 0.45rem;
  font-family: "Lora", sans-serif;
  font-weight: 600;
  color: #1d2630;
  font-size: 18px;
  line-height: 24px;
}

.legal-card p,
.legal-card li {
  margin: 0 0 0.65rem;
  font-family: "Lora", sans-serif;
  font-weight: 300;
  color: #33485f;
  font-size: 15px;
  line-height: 26px;
}

.legal-card ul {
  margin: 0;
  padding-left: 1.1rem;
}

.legal-card a {
  color: #22888f;
}

.legal-note {
  margin: 0.2rem 0;
  font-size: 13px;
  line-height: 20px;
  color: #5b6d80;
}

.legal-table-wrap {
  margin: 0.75rem 0 1rem;
  overflow-x: auto;
}

.legal-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 760px;
  background: #ffffff;
}

.legal-table th,
.legal-table td {
  border: 1px solid #d7dee6;
  padding: 9px 10px;
  text-align: left;
  vertical-align: top;
  font-family: "Lora", sans-serif;
  font-size: 13px;
  line-height: 20px;
  color: #33485f;
}

.legal-table th {
  background: #edf2f7;
  color: #1d2630;
  font-weight: 600;
}

@media (max-width: 860px) {
  .legal-main {
    padding: 42px 0 52px;
  }

  .legal-card {
    padding: 20px 16px;
  }

  .legal-card h1 {
    font-size: 34px;
    line-height: 40px;
  }

  .legal-card h2 {
    font-size: 26px;
    line-height: 32px;
  }
}

@media (max-width: 480px) {
  .legal-main {
    padding: 30px 0 38px;
  }

  .legal-card {
    padding: 16px 12px;
  }

  .legal-card h1 {
    font-size: 30px;
    line-height: 36px;
  }

  .legal-card h2 {
    font-size: 22px;
    line-height: 28px;
  }

  .legal-card h3 {
    font-size: 19px;
    line-height: 24px;
  }

  .legal-card p,
  .legal-card li {
    font-size: 14px;
    line-height: 24px;
  }
}