*{box-sizing:border-box;margin:0;padding:0;}
body{font-family:'Segoe UI',Arial,sans-serif;color:var(--text-body);background:var(--bg-white);line-height:1.6;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}
ul{list-style:none;}
.container{max-width:1240px;margin:0 auto;padding:0 24px;}

/* top bar */
.top-bar{background:var(--bg-light);border-bottom:1px solid var(--border-soft);font-size:13px;}
.top-bar-inner{max-width:1240px;margin:0 auto;padding:8px 24px;display:flex;justify-content:space-between;align-items:center;}
.top-bar-left a{color:var(--text-muted);margin-right:18px;font-weight:600;}
.top-bar-left a.current{color:var(--text-dark);}
.top-bar-right a{color:var(--text-muted);margin-left:18px;}

/* header */
.site-header{background:var(--bg-white);border-bottom:1px solid var(--border-soft);}
.header-inner{max-width:1240px;margin:0 auto;padding:16px 24px;display:flex;align-items:center;justify-content:space-between;gap:24px;}
.header-logo{font-size:22px;font-weight:800;color:var(--text-dark);letter-spacing:.3px;white-space:nowrap;}
.header-logo span{color:var(--brand-accent);}
.header-logo small{display:block;font-size:10px;font-weight:600;color:var(--text-muted);letter-spacing:1px;}
.header-nav{display:flex;align-items:center;}
.header-nav ul{display:flex;gap:24px;align-items:center;}
.header-nav li{position:relative;}
.nav-link{font-weight:600;font-size:14px;color:var(--text-dark);padding:8px 0;display:inline-block;}
.nav-link:hover{color:var(--brand-primary);}
.dropdown{position:absolute;top:100%;left:0;background:var(--bg-white);border:1px solid var(--border-soft);border-radius:6px;min-width:210px;box-shadow:0 12px 28px rgba(0,0,0,.1);padding:8px 0;display:none;z-index:30;}
.header-nav li:hover .dropdown{display:block;}
.dropdown a{display:block;padding:9px 18px;font-size:14px;color:var(--text-body);}
.dropdown a:hover{background:var(--bg-light);color:var(--brand-primary);}
.nav-cta{background:var(--brand-accent);color:#fff !important;padding:10px 20px;border-radius:4px;font-weight:700;}
.nav-cta:hover{background:var(--brand-accent-dark);}

/* hero: split layout, left text / right image, triangle wave top-left */
.hero{position:relative;overflow:hidden;padding:0;}
.hero-split{display:grid;grid-template-columns:1fr 1fr;align-items:stretch;min-height:520px;}
.hero-text-col{display:flex;flex-direction:column;justify-content:center;padding:60px 40px 60px 24px;max-width:600px;margin:0 auto;position:relative;z-index:2;}
.hero-corner{position:absolute;top:0;left:0;width:55%;height:230px;z-index:1;}
.hero h1{font-size:38px;font-weight:800;line-height:1.2;color:var(--text-dark);margin-bottom:4px;}
.hero h2{font-size:26px;font-weight:600;color:var(--brand-primary);margin-bottom:20px;}
.hero-desc{font-size:16px;color:var(--text-body);margin-bottom:30px;}
.hero-desc strong{color:var(--text-dark);}
.hero-img-col{position:relative;background:var(--bg-light);overflow:hidden;}
.hero-img-col img{width:100%;height:100%;object-fit:cover;min-height:520px;}
.hero-badge{position:absolute;top:36px;left:36px;width:120px;height:120px;border-radius:50%;background:var(--brand-primary);color:#fff;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;font-size:11px;font-weight:700;border:4px solid #fff;box-shadow:0 8px 20px rgba(0,0,0,.18);z-index:3;}
.hero-badge .big{font-size:30px;font-weight:800;line-height:1;margin:2px 0;}
.btn{display:inline-block;padding:14px 30px;border-radius:24px;font-weight:700;font-size:15px;}
.btn-primary{background:var(--brand-accent);color:#fff;}
.btn-primary:hover{background:var(--brand-accent-dark);}
.btn-outline-dark{background:transparent;color:var(--brand-primary);border:2px solid var(--brand-primary);border-radius:24px;padding:12px 28px;display:inline-block;font-weight:700;font-size:15px;}
.btn-outline-dark:hover{background:var(--brand-primary);color:#fff;}

/* intro: centered text block below hero */
.intro{padding:64px 0;text-align:center;}
.intro-inner{max-width:720px;margin:0 auto;}
.intro h2{font-size:28px;color:var(--text-dark);margin-bottom:20px;font-weight:700;}
.intro p{font-size:16px;color:var(--text-body);margin-bottom:30px;}

.hr-divider{border:none;border-top:1px solid var(--border-soft);max-width:1240px;margin:0 auto;}

/* offers: 4-col with line-art icons */
.section{padding:64px 0;}
.section-title{text-align:center;font-size:30px;font-weight:700;color:var(--text-dark);margin-bottom:44px;}
.offers-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;}
.offer-card{text-align:center;}
.offer-icon{width:70px;height:70px;margin:0 auto 18px;}
.offer-icon svg{width:100%;height:100%;}
.offer-card h3{font-size:18px;color:var(--text-dark);margin-bottom:10px;font-weight:700;}
.offer-card p{font-size:14px;color:var(--text-muted);}
.offer-card a{color:var(--brand-primary);font-weight:600;}

/* news/insights 3-col */
.insights{background:var(--bg-white);}
.insights-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.insight-card{background:var(--bg-white);border:1px solid var(--border-soft);border-radius:4px;overflow:hidden;}
.insight-card.dark{background:var(--brand-primary);border-color:var(--brand-primary);}
.insight-thumb{height:150px;display:flex;align-items:center;justify-content:center;background:var(--bg-light);padding:20px;}
.insight-thumb-logo{font-size:20px;font-weight:800;color:var(--text-dark);}
.insight-thumb-dark{height:150px;background:var(--brand-primary-dark);display:flex;align-items:center;padding:20px;}
.insight-thumb-dark h3{color:#fff;font-size:20px;font-weight:700;line-height:1.3;}
.insight-body{padding:22px 24px 24px;}
.insight-tag{font-size:11px;font-weight:700;letter-spacing:1px;color:var(--brand-accent);text-transform:uppercase;margin-bottom:10px;}
.insight-card.dark .insight-tag{color:#e8d9b8;}
.insight-body h3{font-size:17px;color:var(--text-dark);margin-bottom:10px;line-height:1.4;font-weight:700;}
.insight-card.dark .insight-body{color:#fff;}
.insight-card.dark .insight-body p,.insight-card.dark .insight-meta{color:#dbe3ea;}
.insight-meta{font-size:13px;color:var(--text-dark);font-weight:700;margin-bottom:12px;}
.insight-excerpt{font-size:14px;color:var(--text-body);margin-bottom:14px;line-height:1.55;}
.insight-link{font-size:14px;font-weight:700;color:var(--brand-accent);}
.insight-card.dark .insight-link{color:#fff;}

.wave-divider{line-height:0;}
.wave-divider svg{display:block;width:100%;height:auto;}

/* footer: logo left, single-row links right, social icons; address row below */
.site-footer{background:var(--footer-bg);color:var(--footer-text);padding-top:0;}
.footer-top{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:20px;padding:40px 0 30px;border-bottom:1px solid rgba(255,255,255,.08);}
.footer-logo{font-size:20px;font-weight:800;color:#fff;}
.footer-links{display:flex;gap:22px;flex-wrap:wrap;}
.footer-links a{font-size:14px;font-weight:600;color:var(--footer-text);}
.footer-links a:hover{color:#fff;}
.footer-social{display:flex;gap:12px;}
.footer-social a{width:34px;height:34px;border-radius:50%;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;color:#fff;font-size:13px;}
.footer-addr{display:flex;gap:64px;flex-wrap:wrap;padding:30px 0;font-size:14px;line-height:1.8;}
.footer-inner{max-width:900px;margin:0 auto;padding:24px;text-align:center;}
.footer-bottom{padding:20px 0;border-top:1px solid rgba(255,255,255,.08);font-size:13px;text-align:right;}

@media(max-width:900px){
  .hero-split{grid-template-columns:1fr;}
  .hero-img-col{display:none;}
  .offers-grid{grid-template-columns:repeat(2,1fr);}
  .insights-grid{grid-template-columns:1fr;}
  .header-nav ul{display:none;}
  .hero h1{font-size:30px;}
  .footer-addr{flex-direction:column;gap:16px;}
}