/* ===========================================================================
   INNER PAGES — services, standards, blogs, contact, legal, fees
   Aligned with About / homepage visual language
=========================================================================== */

/* ── Hero tweaks ─────────────────────────────────────────────────────────── */
.page-hero {
  padding-bottom: var(--space-10);
}

/* Soft canvas for content sections */
.page-services main,
.page-standards main,
.page-blog main,
.page-contact main,
.page-service main,
.page-fees main,
.page-legal main {
  background: #f7f9fc;
}

/* Blog detail: light, content-first (no dark hero band) */
.page-blog-post main {
  background: var(--color-white);
}

.page-services .page-hero,
.page-standards .page-hero,
.page-blog .page-hero,
.page-contact .page-hero,
.page-service .page-hero,
.page-fees .page-hero,
.page-legal .page-hero {
  background: transparent;
}

/* ── Intro ───────────────────────────────────────────────────────────────── */
.ip-intro {
  position: relative;
  padding: var(--space-10) 0 var(--space-6);
  text-align: center;
  background: var(--color-white);
}

.ip-intro::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: 0;
  width: min(120px, 30%);
  height: 3px;
  transform: translateX(-50%);
  border-radius: 2px;
  background: var(--color-navy);
  opacity: 0.25;
}

.ip-intro .section-head-label {
  display: block;
  margin-bottom: 12px;
}

.ip-intro p {
  max-width: 672px;
  margin: 0 auto;
  font-family: var(--font-body);
  font-size: var(--text-20);
  font-weight: 500;
  line-height: 1.55;
  letter-spacing: var(--tracking-snug);
  color: #334155;
  text-wrap: pretty;
}

/* ── Service feature rows ────────────────────────────────────────────────── */
.ip-features {
  padding: var(--space-6) 0 var(--space-8);
  background: #f7f9fc;
}

.ip-features-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-5);
}

.ip-feature {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  gap: 0;
  min-height: 360px;
  overflow: hidden;
  border-radius: 0 var(--radius-lg) var(--radius-lg) var(--radius-lg);
  background: var(--color-white);
  box-shadow: 0 1px 0 rgba(15, 23, 42, 0.04), 0 12px 40px rgba(15, 23, 42, 0.05);
  border: 1px solid rgba(27, 41, 120, 0.06);
}

.ip-feature--flip {
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
}

.ip-feature--flip .ip-feature-media {
  order: 2;
}

.ip-feature--flip .ip-feature-body {
  order: 1;
}

.ip-feature-media {
  position: relative;
  min-height: 260px;
  overflow: hidden;
  background: #0b1028;
}

.ip-feature-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(27, 41, 120, 0.12) 0%, transparent 50%);
  pointer-events: none;
  z-index: 1;
}

.ip-feature-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
}

.ip-feature:hover .ip-feature-media img {
  transform: translate3d(0, var(--py, 0px), 0) scale(1.05);
}

.ip-feature-body {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 14px;
  padding: var(--space-6);
}

.ip-feature-label {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  width: fit-content;
  padding: 6px 12px 6px var(--space-1);
  border-radius: var(--radius-pill);
  background: var(--color-light-blue);
  font-family: var(--font-ui);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: var(--tracking-wider);
  text-transform: uppercase;
  color: var(--color-navy);
}

.ip-feature-label img {
  width: 20px;
  height: 20px;
  object-fit: contain;
	border-radius: 100px;
}

.ip-feature-body h2 {
  margin: 0;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--text-30);
  line-height: var(--leading-snug);
  letter-spacing: var(--tracking-tighter);
  color: var(--color-navy);
  text-wrap: pretty;
}

.ip-feature-body p {
  margin: 0;
  max-width: 544px;
  font-size: var(--text-md);
  line-height: 1.65;
  color: #475569;
  text-wrap: pretty;
}

.ip-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-1);
  margin-top: 6px;
  width: fit-content;
  font-family: var(--font-ui);
  font-weight: 600;
  font-size: var(--text-sm);
  color: var(--color-navy);
  transition: gap 0.2s ease, color 0.2s ease;
}

.ip-link i {
  font-size: var(--text-lg);
  transition: transform 0.2s ease;
}

.ip-link:hover {
  gap: 12px;
  color: #142060;
}

.ip-link:hover i {
  transform: translateX(2px);
}

/* ── CTA band ────────────────────────────────────────────────────────────── */
.ip-cta {
  position: relative;
  padding: var(--space-12) 0;
  text-align: center;
  background: var(--gradient-blue);
  color: var(--color-white);
  overflow: hidden;
}

.ip-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 80% at 10% 90%, rgba(255, 255, 255, 0.08) 0%, transparent 50%),
    radial-gradient(ellipse 50% 60% at 90% 10%, rgba(0, 0, 0, 0.15) 0%, transparent 55%);
  pointer-events: none;
}

.ip-cta .container {
  position: relative;
  z-index: 1;
}

.ip-cta h2 {
  margin: 0 0 14px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--text-3xl);
  letter-spacing: var(--tracking-tighter);
  line-height: 1.2;
  color: var(--color-white);
}

.ip-cta p {
  margin: 0 auto var(--space-5);
  max-width: 544px;
  font-size: var(--text-17);
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.88);
}

/* ── Standards page ──────────────────────────────────────────────────────── */
.page-standards main {
  background: #f7f9fc;
}

.sp-intro {
  position: relative;
  z-index: 2;
  margin-top: calc(var(--space-6) * -1);
  padding: 0 0 var(--space-8);
}

.sp-intro-card {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
  gap: var(--space-6);
  align-items: stretch;
  padding: var(--space-6);
  border-radius: 0 var(--radius-lg) var(--radius-lg) var(--radius-lg);
  background: var(--color-white);
  border: 1px solid rgba(27, 41, 120, 0.07);
  box-shadow: 0 20px 50px rgba(15, 23, 42, 0.08);
}

.sp-eyebrow {
  display: inline-block;
  margin-bottom: 12px;
  font-family: var(--font-ui);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: var(--tracking-wider);
  text-transform: uppercase;
  color: var(--color-navy);
}

.sp-eyebrow--on-dark {
  color: rgba(255, 255, 255, 0.72);
}

.sp-intro-copy h2 {
  margin: 0 0 18px;
  max-width: 153px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--text-36);
  line-height: var(--leading-tight);
  letter-spacing: var(--tracking-tighter);
  color: var(--color-navy);
  text-wrap: pretty;
}

.sp-intro-copy p {
  margin: 0 0 14px;
  max-width: 672px;
  font-size: var(--text-md);
  line-height: 1.7;
  color: #475569;
}

.sp-intro-copy p:last-child {
  margin-bottom: 0;
}

.sp-intro-aside {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.sp-intro-photo {
  margin: 0;
  flex: 1 1 auto;
  min-height: 220px;
  overflow: hidden;
  border-radius: 0 var(--radius-md) var(--radius-md) var(--radius-md);
  background: #0b1028;
}

.sp-intro-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 220px;
}

.sp-pillars {
  padding: var(--space-4) 0 var(--space-10);
  background: #f7f9fc;
}

.sp-pillars .section-head {
  margin-bottom: var(--space-6);
}

.sp-pillars-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: var(--space-3);
}

.sp-pillar {
  display: flex;
  flex-direction: column;
  gap: 14px;
  padding: var(--space-4);
  border-radius: 0 var(--radius-lg) var(--radius-lg) var(--radius-lg);
  background: var(--color-white);
  border: 1px solid rgba(27, 41, 120, 0.07);
  box-shadow: 0 12px 32px rgba(15, 23, 42, 0.04);
  min-height: 100%;
}

.sp-pillar--accent {
  background: linear-gradient(165deg, var(--color-navy) 0%, #121c56 100%);
  border-color: transparent;
  color: rgba(255, 255, 255, 0.9);
}

.sp-pillar-num {
  font-family: var(--font-ui);
  font-size: var(--text-13);
  font-weight: 700;
  letter-spacing: var(--tracking-wider);
  color: var(--color-navy);
  opacity: 0.55;
}

.sp-pillar--accent .sp-pillar-num {
  color: rgba(255, 255, 255, 0.55);
}

.sp-pillar-title {
  margin: 0;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--text-xl);
  line-height: var(--leading-snug);
  letter-spacing: var(--tracking-tight);
  color: var(--color-navy);
  text-wrap: pretty;
}

.sp-pillar--accent .sp-pillar-title {
  color: var(--color-white);
}

.sp-pillar-text {
  margin: 0;
  font-size: var(--text-15);
  line-height: 1.6;
  color: #64748b;
}

.sp-pillar--accent .sp-pillar-text {
  color: rgba(255, 255, 255, 0.78);
}

.sp-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
  margin: 6px 0 0;
  padding: 0;
  list-style: none;
}

.sp-list li {
  position: relative;
  padding: 10px 12px 10px 36px;
  border-radius: 10px;
  background: #f4f8fc;
  font-size: var(--text-sm);
  line-height: 1.45;
  color: #334155;
}

.sp-list li::before {
  content: "";
  position: absolute;
  left: 12px;
  top: 13px;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--color-navy) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath fill='none' stroke='%23fff' stroke-width='1.6' d='M2.5 6.2l2.3 2.3 4.7-4.8'/%3E%3C/svg%3E") center / 10px no-repeat;
}

.sp-pillar--accent .sp-list li {
  background: rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.92);
}

.sp-pillar--accent .sp-list li::before {
  background-color: rgba(255, 255, 255, 0.95);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath fill='none' stroke='%231b2978' stroke-width='1.6' d='M2.5 6.2l2.3 2.3 4.7-4.8'/%3E%3C/svg%3E");
}

.sp-rics {
  padding: 0 0 var(--space-10);
  background: #f7f9fc;
}

.sp-rics-band {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: var(--space-6);
  align-items: center;
  padding: var(--space-6);
  border-radius: 0 var(--radius-lg) var(--radius-lg) var(--radius-lg);
  background: var(--color-charcoal);
  color: rgba(255, 255, 255, 0.88);
  overflow: hidden;
  position: relative;
}

.sp-rics-band::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 50% 80% at 100% 0%, rgba(27, 41, 120, 0.45) 0%, transparent 55%),
    radial-gradient(ellipse 40% 60% at 0% 100%, rgba(255, 255, 255, 0.06) 0%, transparent 50%);
  pointer-events: none;
}

.sp-rics-badge,
.sp-rics-copy {
  position: relative;
  z-index: 1;
}

.sp-rics-badge {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 104px;
  height: 104px;
  border-radius: 50%;
  background: var(--color-white);
  flex-shrink: 0;
}

.sp-rics-badge img {
  width: var(--space-8);
  height: auto;
}

.sp-rics-copy h2 {
  margin: 0 0 12px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--text-34);
  line-height: var(--leading-tight);
  letter-spacing: var(--tracking-tighter);
  color: var(--color-white);
}

.sp-rics-copy > p {
  margin: 0 0 20px;
  max-width: 672px;
  font-size: var(--text-md);
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.78);
}

.sp-rics-points {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 20px;
}

.sp-rics-points p {
  display: inline-flex;
  align-items: center;
  gap: var(--space-1);
  margin: 0;
  font-size: var(--text-sm);
  font-weight: 500;
  color: rgba(255, 255, 255, 0.9);
}

.sp-rics-points i {
  font-size: var(--text-lg);
  color: #8eb4ff;
}

.sp-values {
  padding: var(--space-2) 0 var(--space-12);
  background: var(--color-white);
}

.sp-values-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: var(--space-8);
  align-items: start;
}

.sp-values-intro h2 {
  margin: 0 0 14px;
  max-width: 136px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--text-36);
  line-height: var(--leading-tight);
  letter-spacing: var(--tracking-tighter);
  color: var(--color-navy);
}

.sp-values-intro > p {
  margin: 0 0 var(--space-3);
  max-width: 576px;
  font-size: var(--text-md);
  line-height: 1.65;
  color: #64748b;
}

.sp-values-list {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  border-top: 1px solid rgba(27, 41, 120, 0.1);
}

.sp-values-list li {
  display: grid;
  grid-template-columns: 48px minmax(0, 1fr);
  gap: var(--space-2);
  padding: 22px 0;
  border-bottom: 1px solid rgba(27, 41, 120, 0.1);
}

.sp-values-index {
  display: flex;
  align-items: center;
  justify-content: center;
  width: var(--space-5);
  height: var(--space-5);
  border-radius: 50%;
  background: var(--color-light-blue);
  font-family: var(--font-ui);
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-navy);
}

.sp-values-list h3 {
  margin: 0 0 6px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--text-lg);
  letter-spacing: var(--tracking-snug);
  color: var(--color-navy);
}

.sp-values-list p {
  margin: 0;
  font-size: var(--text-15);
  line-height: 1.55;
  color: #64748b;
}

/* Legacy standards blocks (if reused) */
.ip-standards {
  padding: var(--space-10) 0;
  background: #f7f9fc;
}

.ip-standards-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}

.ip-standards-col {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  padding: var(--space-5);
  border-radius: 0 var(--radius-lg) var(--radius-lg) var(--radius-lg);
  background: var(--color-white);
  border: 1px solid rgba(27, 41, 120, 0.07);
  box-shadow: 0 12px 32px rgba(15, 23, 42, 0.04);
}

.ip-standards-col h2 {
  margin: 0;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--text-28);
  line-height: var(--leading-snug);
  letter-spacing: var(--tracking-tight);
  color: var(--color-navy);
  text-wrap: pretty;
}

.ip-standards-col > p {
  margin: 0;
  font-size: var(--text-15);
  line-height: 1.6;
  color: #64748b;
}

.ip-check-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin: var(--space-0-5) 0 0;
  padding: 0;
  list-style: none;
}

.ip-check-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 14px;
  border-radius: 12px;
  background: #f4f8fc;
  font-size: var(--text-14-5);
  line-height: 1.45;
  color: #334155;
}

.ip-check-list i {
  flex: 0 0 auto;
  margin-top: 1px;
  font-size: var(--text-lg);
  color: var(--color-navy);
}

.ip-check-list a {
  color: inherit;
  font-weight: 600;
}

.ip-check-list a:hover {
  color: var(--color-navy);
}

/* RICS */
.ip-rics-band {
  position: relative;
  padding: var(--space-12) 0;
  text-align: center;
  background: var(--color-white);
  border-block: 1px solid rgba(27, 41, 120, 0.06);
}

.ip-rics-inner {
  max-width: 640px;
  margin: 0 auto;
}

.ip-rics-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  width: var(--space-11);
  height: var(--space-11);
  margin: 0 auto 20px;
  border-radius: 50%;
  background: var(--color-light-blue);
}

.ip-rics-logo img {
  width: 52px;
  height: auto;
}

.ip-rics-band h2 {
  margin: 0 0 14px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--text-36);
  letter-spacing: var(--tracking-tighter);
  color: var(--color-navy);
}

.ip-rics-band p {
  margin: 0;
  font-size: var(--text-md);
  line-height: 1.7;
  color: #475569;
}

/* Quotes */
.ip-quotes {
  padding: var(--space-10) 0 var(--space-12);
  background: #f7f9fc;
}

.ip-quotes .section-head {
  margin-bottom: var(--space-5);
  text-align: center;
}

.ip-quotes .section-head-text {
  margin-inline: auto;
}

.ip-quotes-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: var(--space-3);
}

.ip-quote-card {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  padding: var(--space-4) var(--space-3);
  border-radius: 0 var(--radius-md) var(--radius-md) var(--radius-md);
  background: var(--color-white);
  border: 1px solid rgba(27, 41, 120, 0.07);
  box-shadow: 0 8px 28px rgba(15, 23, 42, 0.04);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.ip-quote-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.08);
}

.ip-quote-card .stars {
  color: #e5a100;
  font-size: var(--text-13);
  letter-spacing: 3px;
}

.ip-quote-card blockquote {
  margin: 0;
  flex: 1 1 auto;
  font-size: var(--text-15-5);
  line-height: 1.55;
  color: #334155;
  quotes: none;
}

.ip-quote-card footer {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding-top: 12px;
  border-top: 1px solid #eef2f7;
}

.ip-quote-card strong {
  font-size: var(--text-15);
  font-weight: 600;
  color: var(--color-navy);
}

.ip-quote-card span {
  font-size: var(--text-13);
  color: #64748b;
}

.ip-quotes-more {
  margin: var(--space-5) 0 0;
  text-align: center;
}

/* ── Service detail ──────────────────────────────────────────────────────── */
.ip-detail {
  padding: var(--space-8) 0 var(--space-12);
  background: #f7f9fc;
}

.ip-detail-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 360px);
  gap: var(--space-5);
  align-items: start;
}

.ip-detail-content {
  padding: var(--space-5);
  border-radius: 0 var(--radius-lg) var(--radius-lg) var(--radius-lg);
  background: var(--color-white);
  border: 1px solid rgba(27, 41, 120, 0.06);
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.04);
}

.ip-detail-content h2 {
  margin: 0 0 14px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: var(--text-28);
  letter-spacing: var(--tracking-tight);
  color: var(--color-navy);
}

.ip-detail-content h2 + h2,
.ip-detail-content p + h2 {
  margin-top: var(--space-5);
}

.ip-detail-content p {
  margin: 0 0 var(--space-2);
  font-size: var(--text-md);
  line-height: 1.7;
  color: #475569;
}

.ip-detail-content .ip-check-list {
  margin: 0 0 var(--space-5);
}

.ip-detail-aside {
  position: sticky;
  top: calc(var(--header-h) + 20px);
  display: flex;
  flex-direction: column;
  gap: 18px;
  padding: var(--space-4) var(--space-3);
  border-radius: 0 var(--radius-lg) var(--radius-lg) var(--radius-lg);
  background: var(--color-navy);
  color: var(--color-white);
  box-shadow: 0 16px 40px rgba(27, 41, 120, 0.28);
}

.ip-detail-aside h3 {
  margin: 0;
  font-size: var(--text-lg);
  font-weight: 600;
  color: var(--color-white);
}

.ip-detail-aside p {
  margin: 0;
  font-size: var(--text-sm);
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.8);
}

.ip-detail-aside .btn-pill--dark {
  background: var(--color-white);
  color: var(--color-navy);
}

.ip-detail-aside .btn-pill--dark .btn-pill-dot {
  background: var(--color-navy);
}

.ip-detail-aside .btn-pill--light {
  background: transparent;
  color: var(--color-white);
  border: 1px solid rgba(255, 255, 255, 0.35);
}

.ip-detail-aside .btn-pill--light .btn-pill-dot {
  background: var(--color-white);
}

.ip-detail-related {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
  margin: var(--space-0-5) 0 0;
  padding: var(--space-2) 0 0;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  list-style: none;
}

.ip-detail-related a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-1);
  padding: 10px 12px;
  border-radius: 10px;
  font-size: var(--text-sm);
  font-weight: 500;
  color: rgba(255, 255, 255, 0.9);
  background: rgba(255, 255, 255, 0.06);
  transition: background 0.2s ease;
}

.ip-detail-related a:hover {
  background: rgba(255, 255, 255, 0.14);
  color: var(--color-white);
}

.ip-detail-related i {
  font-size: var(--text-md);
  opacity: 0.7;
}

/* ── Blog listing (legacy selectors kept if referenced) ──────────────────── */
.ip-blog {
  padding: var(--space-8) 0 var(--space-12);
  background: #f7f9fc;
}

.page-blog main {
  background: #f7f9fc;
}

.page-blog .insights--light {
  /* continuous light canvas under hero */
  padding-top: var(--space-8);
}

/* Related insights: now uses shared .insights (dark homepage variant) */

/* ── Blog post (article detail) ──────────────────────────────────────────── */
.ip-article {
  padding: calc(var(--header-h) + var(--space-6)) 0 var(--space-10);
  background: var(--color-white);
}

.ip-article-inner {
  max-width: 760px;
  margin: 0 auto;
}

.ip-article .pl-hero-badge--bc {
  margin-bottom: var(--space-4);
}

.ip-article-kicker {
  margin: 0 0 12px;
  font-family: var(--font-ui);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: var(--tracking-widest);
  text-transform: uppercase;
  color: var(--color-navy);
  opacity: 0.75;
}

.ip-article-title {
  margin: 0 0 var(--space-2);
  font-family: var(--font-body);
  font-weight: 700;
  font-size: var(--text-42);
  line-height: var(--leading-tight);
  letter-spacing: var(--tracking-tighter);
  color: var(--color-charcoal);
}

.ip-article-excerpt {
  margin: 0 0 var(--space-2);
  font-size: var(--text-19);
  line-height: 1.55;
  color: #475569;
  max-width: 640px;
}

.ip-article-date {
  margin: 0 0 var(--space-5);
  font-family: var(--font-ui);
  font-size: var(--text-sm);
  font-weight: 500;
  color: #64748b;
}

.ip-article-media {
  margin: 0 0 var(--space-6);
  overflow: hidden;
  border-radius: var(--radius-md);
  background: #e8eef5;
  aspect-ratio: 16 / 9;
}

.ip-article-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.ip-article-body {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.ip-article-body p {
  margin: 0;
  font-size: var(--text-17);
  line-height: 1.75;
  color: #334155;
}

@media (max-width: 768px) {
  .ip-article-media {
    border-radius: var(--radius-sm);
  }

  .ip-article-body p {
    font-size: var(--text-md);
    line-height: 1.7;
  }

  .ip-article-cta {
    padding: 22px 18px;
  }

  .ip-article-related-grid {
    gap: var(--space-4);
  }
}

.ip-article-cta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  margin-top: var(--space-8);
  padding: var(--space-4);
  border-radius: var(--radius-md);
  background: #f4f6f9;
  border: 1px solid rgba(15, 23, 42, 0.05);
}

.ip-article-cta-copy {
  flex: 1 1 260px;
  min-width: 0;
}

.ip-article-cta-title {
  margin: 0 0 var(--space-1);
  font-family: var(--font-body);
  font-size: var(--text-20);
  font-weight: 700;
  letter-spacing: var(--tracking-tight);
  color: var(--color-charcoal);
}

.ip-article-cta-text {
  margin: 0;
  font-size: var(--text-15);
  line-height: 1.55;
  color: #64748b;
  max-width: 576px;
}

.ip-article-cta .btn-pill {
  flex: 0 0 auto;
}

/* ── Contact ─────────────────────────────────────────────────────────────── */
.ip-contact {
  padding: var(--space-8) 0 var(--space-12);
  background: #f7f9fc;
}

.ip-contact-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: var(--space-4);
  align-items: stretch;
}

.ip-contact-card {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  padding: var(--space-4);
  border-radius: 0 var(--radius-lg) var(--radius-lg) var(--radius-lg);
  background: var(--color-navy);
  color: var(--color-white);
  box-shadow: 0 16px 40px rgba(27, 41, 120, 0.25);
}

.ip-contact-card h2 {
  margin: 0;
  font-size: var(--text-26);
  font-weight: 600;
  letter-spacing: var(--tracking-tight);
  color: var(--color-white);
}

.ip-contact-card .ip-contact-sub {
  font-size: var(--text-sm);
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.75);
}

.ip-contact-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.ip-contact-list li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 14px var(--space-2);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.08);
  font-size: var(--text-15);
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.92);
}

.ip-contact-list i {
  flex: 0 0 auto;
  margin-top: 2px;
  font-size: var(--text-20);
  color: #a8c4ff;
}

.ip-contact-list a {
  color: inherit;
  font-weight: 600;
}

.ip-contact-list a:hover {
  color: var(--color-white);
  text-decoration: underline;
}

.ip-contact-map {
  padding: 0 !important;
  background: transparent !important;
  overflow: hidden;
  border-radius: 12px;
}

.ip-contact-map-frame {
  position: relative;
  width: 100%;
  aspect-ratio: 16 / 6;
  min-height: 180px;
  overflow: hidden;
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  background: rgba(0, 0, 0, 0.2);
}

.ip-contact-map-frame iframe {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  border: 0;
  display: block;
  filter: grayscale(0.15) contrast(1.02);
}

.ip-contact-follow {
  margin-top: auto;
  padding-top: var(--space-1);
}

.ip-contact-follow h3 {
  margin: 0 0 12px;
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: var(--tracking-wider);
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.65);
}

.ip-contact-social {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.ip-contact-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  color: var(--color-white);
  font-size: var(--text-20);
  border: 1px solid rgba(255, 255, 255, 0.2);
  transition: background 0.2s ease, border-color 0.2s ease;
}

.ip-contact-social a:hover {
  background: var(--color-white);
  border-color: var(--color-white);
  color: var(--color-navy);
}

.ip-form-panel {
  display: flex;
  flex-direction: column;
  gap: 20px;
  padding: var(--space-5);
  border-radius: 0 var(--radius-lg) var(--radius-lg) var(--radius-lg);
  background: var(--color-white);
  border: 1px solid rgba(27, 41, 120, 0.07);
  box-shadow: 0 10px 32px rgba(15, 23, 42, 0.05);
}

.ip-form-panel h2 {
  margin: 0;
  font-size: var(--text-26);
  font-weight: 600;
  letter-spacing: var(--tracking-tight);
  color: var(--color-navy);
}

.ip-form-panel .ip-form-lead {
  margin: -8px 0 0;
  font-size: var(--text-15);
  line-height: 1.5;
  color: #64748b;
}

.ip-form-success {
  margin: 0;
  padding: 12px 14px;
  border-radius: 10px;
  background: #ecfdf5;
  border: 1px solid #a7f3d0;
  font-size: var(--text-sm);
  line-height: 1.45;
  color: #065f46;
}

.ip-form {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.ip-form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.ip-field {
  display: flex;
  flex-direction: column;
  gap: 7px;
}

.ip-field label {
  font-family: var(--font-ui);
  font-size: var(--text-13);
  font-weight: 600;
  color: #334155;
}

.ip-field input,
.ip-field select,
.ip-field textarea {
  width: 100%;
  padding: 13px 15px;
  border: 1px solid #d0dae6;
  border-radius: 12px;
  background: #fafbfc;
  font-family: var(--font-body);
  font-size: var(--text-15);
  color: #0f172a;
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.ip-field input:hover,
.ip-field select:hover,
.ip-field textarea:hover {
  background: var(--color-white);
}

.ip-field input:focus,
.ip-field select:focus,
.ip-field textarea:focus {
  border-color: var(--color-navy);
  background: var(--color-white);
  box-shadow: 0 0 0 3px rgba(27, 41, 120, 0.12);
}

.ip-field textarea {
  min-height: 148px;
  resize: vertical;
}

.ip-form-note {
  margin: 0;
  font-size: var(--text-13);
  line-height: 1.45;
  color: #64748b;
}

.ip-form-note a {
  color: var(--color-navy);
  font-weight: 600;
}

.ip-form .btn-pill {
  align-self: flex-start;
  margin-top: var(--space-0-5);
}

/* ── Fees / legal ────────────────────────────────────────────────────────── */
.ip-prose {
  padding: var(--space-8) 0 var(--space-12);
  background: #f7f9fc;
}

.ip-prose-inner {
  max-width: 760px;
  margin: 0 auto;
  padding: var(--space-6);
  border-radius: 0 var(--radius-lg) var(--radius-lg) var(--radius-lg);
  background: var(--color-white);
  border: 1px solid rgba(27, 41, 120, 0.06);
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.04);
}

.ip-prose h2 {
  margin: var(--space-5) 0 var(--space-2);
  font-size: var(--text-20);
  font-weight: 600;
  letter-spacing: var(--tracking-snug);
  color: var(--color-navy);
}

.ip-prose h2:first-child {
  margin-top: 0;
}

.ip-prose p,
.ip-prose li {
  font-size: var(--text-md);
  line-height: 1.7;
  color: #475569;
}

.ip-prose ul {
  margin: 0 0 var(--space-3);
  padding-left: var(--text-20);
}

.ip-prose p {
  margin: 0 0 var(--space-3);
}

.ip-prose a {
  color: var(--color-navy);
  font-weight: 600;
}

.ip-fee-table {
  width: 100%;
  border-collapse: collapse;
  margin: var(--space-3) 0 var(--space-4);
  font-size: var(--text-15);
  overflow: hidden;
  border-radius: 12px;
}

.ip-fee-table th,
.ip-fee-table td {
  padding: 14px var(--space-2);
  border: 1px solid #e8eef5;
  text-align: left;
}

.ip-fee-table th {
  background: var(--color-light-blue);
  color: var(--color-navy);
  font-weight: 600;
  font-size: var(--text-13);
  text-transform: uppercase;
  letter-spacing: var(--tracking-wide);
}

.ip-fee-table tbody tr:nth-child(even) td {
  background: #fafbfd;
}

/* ── Footer socials ──────────────────────────────────────────────────────── */
.footer-social {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: var(--space-2);
}

.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.24);
  color: var(--color-white);
  font-size: var(--text-lg);
  transition: background 0.2s ease, border-color 0.2s ease;
}

.footer-social a:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.5);
  color: var(--color-white);
}

/* ── Responsive ──────────────────────────────────────────────────────────── */
@media (max-width: 992px) {
  .ip-feature,
  .ip-feature--flip {
    grid-template-columns: 1fr;
  }

  .ip-feature--flip .ip-feature-media,
  .ip-feature--flip .ip-feature-body {
    order: unset;
  }

  .ip-feature-media {
    min-height: 0;
    aspect-ratio: 16 / 10;
  }

  .ip-standards-grid,
  .ip-detail-layout,
  .ip-contact-layout {
    grid-template-columns: 1fr;
  }

  .ip-detail-aside {
    position: static;
  }

  .ip-article-related-grid {
    grid-template-columns: 1fr 1fr;
  }

  .ip-article-cta {
    flex-direction: column;
    align-items: flex-start;
  }

  .ip-quotes-grid,
  .ip-blog-grid {
    grid-template-columns: 1fr 1fr;
  }

  .sp-intro {
    margin-top: calc(var(--space-8) * -1);
    padding-bottom: var(--space-6);
  }

  .sp-intro-card {
    grid-template-columns: 1fr;
    padding: var(--space-4) 22px;
  }

  .sp-intro-copy h2 {
    max-width: none;
  }

  .sp-intro-photo {
    min-height: 0;
    aspect-ratio: 16 / 10;
  }

  .sp-intro-photo img {
    min-height: 0;
  }

  .sp-pillars-grid {
    grid-template-columns: 1fr;
  }

  .sp-rics-band {
    grid-template-columns: 1fr;
    text-align: left;
  }

  .sp-rics-badge {
    width: var(--space-11);
    height: var(--space-11);
  }

  .sp-rics-badge img {
    width: 52px;
  }

  .sp-values-layout {
    grid-template-columns: 1fr;
    gap: var(--space-5);
  }

  .sp-values-intro h2 {
    max-width: none;
  }
}

@media (max-width: 768px) {
  .page-hero {
    padding-bottom: var(--space-8);
  }

  .page-hero .pl-hero-title {
    font-size: var(--text-36);
  }

  .page-hero .pl-hero-lead {
    font-size: var(--text-15);
    line-height: 1.5;
  }

  .pl-hero-actions .btn-pill {
    height: 38px;
    font-size: var(--text-sm);
  }

  .sp-intro-facts {
    grid-template-columns: 1fr;
  }

  .sp-intro-facts li {
    flex-direction: row;
    align-items: baseline;
    justify-content: space-between;
    gap: 12px;
    text-align: left;
    padding: 12px 14px;
  }

  .ip-article-related-grid {
    grid-template-columns: 1fr;
  }

  .ip-contact-map {
    min-height: 220px;
  }

  .ip-form-row {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .ip-quotes-grid,
  .ip-blog-grid,
  .ip-form-row,
  .ip-article-related-grid {
    grid-template-columns: 1fr;
  }

  .ip-article {
    padding-top: calc(var(--header-h) + var(--space-4));
  }

  .ip-article-related .section-head--row {
    flex-direction: column;
    align-items: flex-start;
  }

  .ip-features-list {
    gap: var(--space-3);
  }

  .ip-feature {
    border-radius: 0 var(--radius-md) var(--radius-md) var(--radius-md);
  }

  .ip-feature-body {
    padding: 22px 18px 26px;
  }

  .ip-cta {
    padding: var(--space-10) 0;
  }

  .ip-form .btn-pill {
    width: 100%;
    justify-content: center;
  }

  .sp-pillar {
    padding: 22px 18px;
  }

  .sp-rics-band {
    padding: var(--space-4) 20px;
  }

  .sp-rics-points {
    flex-direction: column;
    gap: 10px;
  }

  .sp-values-list li {
    grid-template-columns: 40px minmax(0, 1fr);
    gap: 12px;
    padding: 18px 0;
  }

  .sp-values-intro .btn-pill {
    width: 100%;
    justify-content: center;
  }
}

@media (prefers-reduced-motion: reduce) {
  .ip-feature-media img,
  .ip-blog-card-media img,
  .ip-quote-card,
  .ip-blog-card {
    transition: none;
  }

  .ip-feature:hover .ip-feature-media img,
  .ip-blog-card:hover .ip-blog-card-media img {
    transform: none;
  }

  .ip-quote-card:hover,
  .ip-blog-card:hover {
    transform: none;
  }
}