.hero {
      position: relative;
      padding: 186px 0 74px;
    }

    .hero::before {
      content: "";
      position: absolute;
      inset: 0 0 auto 0;
      height: 640px;
      background:
        linear-gradient(120deg, rgba(6,26,58,.96), rgba(9,55,126,.92) 48%, rgba(23,105,255,.78)),
        repeating-linear-gradient(90deg, transparent 0 58px, rgba(255,255,255,.05) 58px 59px);
      clip-path: polygon(0 0, 100% 0, 100% 80%, 0 100%);
      z-index: 0;
    }

    .hero::after {
      content: "";
      position: absolute;
      right: -120px;
      top: 80px;
      width: 520px;
      height: 520px;
      border-radius: 50%;
      background: radial-gradient(circle, rgba(0,168,255,.28), transparent 62%);
      z-index: 0;
    }

    .hero-grid {
      position: relative;
      z-index: 1;
      display: grid;
      grid-template-columns: 1.08fr .92fr;
      gap: 52px;
      align-items: center;
    }

    .tag {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 8px 15px;
      border-radius: 4px;
      color: #d8ecff;
      background: rgba(255,255,255,.1);
      border: 1px solid rgba(255,255,255,.18);
      font-weight: 700;
      font-size: 14px;
      margin-bottom: 22px;
    }

    h1 {
      font-size: clamp(30px, 4.2vw, 48px);
      line-height: 1.22;
      color: #fff;
      margin-bottom: 18px;
      letter-spacing: -.6px;
      font-weight: 800;
      max-width: 760px;
    }

    .hero p {
      font-size: 18px;
      color: rgba(255,255,255,.78);
      max-width: 700px;
      margin-bottom: 30px;
    }

    .hero-actions {
      display: flex;
      flex-wrap: wrap;
      gap: 14px;
      margin-bottom: 30px;
    }

    .hero-notes {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 16px;
      max-width: 760px;
    }

    .note {
      padding: 20px 18px;
      border-radius: 12px;
      background: linear-gradient(135deg, rgba(255,255,255,.96), rgba(232,243,255,.94));
      border: 1px solid rgba(255,255,255,.55);
      box-shadow: 0 16px 36px rgba(0, 26, 70, .18);
      backdrop-filter: blur(10px);
      position: relative;
      overflow: hidden;
    }

    .note::before {
      content: "";
      position: absolute;
      left: 0;
      top: 0;
      width: 4px;
      height: 100%;
      background: linear-gradient(180deg, var(--primary), var(--primary-2));
    }

    .note strong {
      display: block;
      color: #0b3b8f;
      font-size: 30px;
      line-height: 1;
      margin-bottom: 8px;
      font-weight: 900;
    }

    .note span {
      color: #233653;
      font-size: 15px;
      font-weight: 700;
    }

    .hero-card {
      position: relative;
      padding: 26px;
      border-radius: 16px;
      background: #fff;
      border: 1px solid rgba(255,255,255,.3);
      box-shadow: 0 34px 80px rgba(0,0,0,.22);
    }

    .hero-card::before {
      content: "";
      position: absolute;
      inset: -1px;
      border-radius: 16px;
      padding: 1px;
      background: linear-gradient(135deg, rgba(255,255,255,.9), rgba(23,105,255,.28));
      -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
      -webkit-mask-composite: xor;
      mask-composite: exclude;
      pointer-events: none;
    }

    .commission-card {
      padding: 26px;
      border-radius: 14px;
      background:
        radial-gradient(circle at 90% 5%, rgba(0,168,255,.38), transparent 34%),
        linear-gradient(135deg, #092b61, #1769ff);
      color: #fff;
      margin-bottom: 18px;
      overflow: hidden;
      position: relative;
    }

    .commission-card h3 {
      font-size: 22px;
      margin-bottom: 14px;
      position: relative;
      z-index: 1;
    }

    .rate-row {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding: 14px 0;
      border-bottom: 1px solid rgba(255,255,255,.16);
      position: relative;
      z-index: 1;
    }

    .rate-row:last-child {
      border-bottom: none;
    }

    .rate-row span {
      color: rgba(255,255,255,.78);
    }

    .rate-row strong {
      font-size: 30px;
      color: #fff;
    }

    .mini-list {
      display: grid;
      gap: 12px;
    }

    .mini-item {
      display: flex;
      gap: 12px;
      align-items: flex-start;
      padding: 15px;
      background: #f5f8fe;
      border-radius: 10px;
      color: #52627c;
      border: 1px solid #e4ecf8;
    }

    .mini-item .icon {
      width: 26px;
      height: 26px;
      flex: 0 0 26px;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      border-radius: 50%;
      background: linear-gradient(135deg, #1769ff, #00a8ff);
      color: #fff;
      font-weight: 900;
      font-size: 13px;
    }

    .section {
      padding: 68px 0;
      position: relative;
    }

    .section-title {
      text-align: center;
      max-width: 800px;
      margin: 0 auto 38px;
    }

    .section-title h2 {
      font-size: clamp(28px, 3vw, 42px);
      line-height: 1.25;
      color: #10213f;
      margin-bottom: 12px;
    }

    .section-title p {
      color: var(--muted);
      font-size: 17px;
    }

    .grid-3 {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 24px;
    }

    .card {
      position: relative;
      padding: 28px;
      border-radius: 12px;
      background: #fff;
      border: 1px solid var(--line);
      box-shadow: 0 18px 42px rgba(32, 76, 145, .07);
      transition: all .22s ease;
      overflow: hidden;
    }

    .card::before {
      content: "";
      position: absolute;
      left: 0;
      top: 0;
      width: 100%;
      height: 4px;
      background: linear-gradient(90deg, var(--primary), var(--primary-2));
      transform: scaleX(.22);
      transform-origin: left;
      transition: transform .22s ease;
    }

    .card:hover {
      transform: translateY(-5px);
      box-shadow: 0 24px 54px rgba(32, 76, 145, .12);
    }

    .card:hover::before {
      transform: scaleX(1);
    }

    .card h3 {
      font-size: 20px;
      color: #10213f;
      margin-bottom: 10px;
    }

    .card p,
    .card li {
      color: #5d6a82;
      font-size: 15.5px;
    }

    .card ul {
      padding-left: 18px;
      margin-top: 10px;
    }

    .steps {
      display: grid;
      grid-template-columns: repeat(4, minmax(0, 1fr));
      gap: 18px;
    }

    .step {
      position: relative;
      padding: 28px 22px;
      border-radius: 12px;
      background: #fff;
      border: 1px solid var(--line);
      box-shadow: 0 18px 42px rgba(32, 76, 145, .07);
      counter-increment: step;
    }

    .steps {
      counter-reset: step;
    }

    .step::before {
      content: counter(step);
      display: flex;
      align-items: center;
      justify-content: center;
      width: 42px;
      height: 42px;
      border-radius: 50%;
      background: linear-gradient(135deg, var(--primary), var(--primary-2));
      color: #fff;
      font-weight: 800;
      margin-bottom: 16px;
      box-shadow: 0 12px 26px rgba(23,105,255,.25);
    }

    .step h3 {
      font-size: 18px;
      margin-bottom: 8px;
      color: #10213f;
    }

    .step p {
      color: #5d6a82;
      font-size: 15px;
    }

    .policy-box {
      background:
        radial-gradient(circle at 86% 8%, rgba(0,168,255,.24), transparent 28%),
        linear-gradient(135deg, #061a3a, #0b2d62 58%, #103f90);
      color: #fff;
      border-radius: 16px;
      padding: 42px;
      box-shadow: 0 28px 70px rgba(7, 27, 69, .24);
    }

    .policy-head {
      display: flex;
      justify-content: space-between;
      gap: 28px;
      align-items: flex-end;
      padding-bottom: 28px;
      margin-bottom: 28px;
      border-bottom: 1px solid rgba(255,255,255,.14);
    }

    .policy-head h2 {
      font-size: 36px;
      line-height: 1.25;
      margin-bottom: 10px;
    }

    .policy-head p {
      color: rgba(255,255,255,.72);
      max-width: 560px;
    }

    .policy-badge {
      flex: 0 0 auto;
      padding: 12px 18px;
      border-radius: 999px;
      background: rgba(255,255,255,.1);
      border: 1px solid rgba(255,255,255,.18);
      color: #dceeff;
      font-weight: 700;
      white-space: nowrap;
    }

    .policy-list {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 16px;
    }

    .policy-item {
      padding: 20px;
      border-radius: 12px;
      background: rgba(255,255,255,.08);
      border: 1px solid rgba(255,255,255,.13);
      min-height: 154px;
    }

    .policy-item strong {
      display: block;
      margin-bottom: 8px;
      color: #fff;
      font-size: 17px;
    }

    .policy-item span {
      color: rgba(255,255,255,.74);
      font-size: 15px;
    }

    .cta {
      text-align: center;
      padding: 60px 24px;
      border-radius: 16px;
      background:
        radial-gradient(circle at top right, rgba(0,168,255,.16), transparent 32%),
        linear-gradient(135deg, #ffffff, #eef5ff);
      border: 1px solid #dfeafe;
      box-shadow: 0 20px 48px rgba(32, 76, 145, .1);
    }


.cta .btn {
	padding: 10px 20px;
	font-size: 16px;
}
    .cta h2 {
      font-size: clamp(28px, 3vw, 42px);
      margin-bottom: 12px;
      color: #10213f;
    }

    .cta p {
      color: #5d6a82;
      margin: 0 auto 22px;
      max-width: 760px;
      font-size: 17px;
    }

    .apply-contact {
      display: flex;
      justify-content: center;
      flex-wrap: wrap;
      gap: 14px;
      margin: 0 auto 26px;
    }

    .apply-contact div {
      padding: 12px 18px;
      border-radius: 8px;
      background: #fff;
      border: 1px solid #dfeafe;
      color: #33445f;
      box-shadow: 0 10px 24px rgba(32, 76, 145, .08);
    }

    .apply-contact strong {
      color: #10213f;
    }

    .apply-contact a {
      color: var(--primary);
      font-weight: 700;
    }



    @media (max-width: 920px) {
      .topbar {
        flex-direction: column;
        gap: 6px;
      }

      .hero-grid {
        grid-template-columns: 1fr;
      }

      .policy-head {
        align-items: flex-start;
        flex-direction: column;
      }

      .policy-list {
        grid-template-columns: 1fr;
      }

      .grid-3,
      .steps,
      .hero-notes {
        grid-template-columns: 1fr;
      }

      .nav-links {
        display: none;
      }

      .hero {
        padding-top: 156px;
      }

      .hero::before {
        height: 980px;
        clip-path: none;
      }
    }