:root{
      --primary:#0B3D91;
      --primary-dark:#072c6b;
      --primary-soft:#eaf1fb;
      --cyan:#0891B2;
      --cyan-soft:#ecfeff;
      --ink:#172033;
      --muted:#667085;
      --line:#dce4ee;
      --surface:#ffffff;
      --surface-soft:#f5f8fc;
      --success:#0f9f6e;
      --warning:#d97706;
      --shadow:0 18px 45px rgba(15,35,70,.1);
      --radius:18px;
    }
    *{
      box-sizing:border-box;
    }
    html{
      scroll-behavior:smooth;
    }
    body{
      margin:0;
      color:var(--ink);
      background:#fff;
      font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
      line-height:1.6;
    }
    body,
    button,
    input{
      font:inherit;
    }
    img{
      max-width:100%;
      display:block;
    }
    a{
      color:inherit;
      text-decoration:none;
    }
    button{
      color:inherit;
    }
    .container{
      width:min(1180px,calc(100% - 40px));
      margin:0 auto;
    }
    .topbar{
      color:#dbeafe;
      background:#081d3d;
      font-size:13px;
    }
    .topbar-inner{
      min-height:38px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
    }
    .topbar-links{
      display:flex;
      align-items:center;
      gap:20px;
    }
    .topbar a:hover{
      color:#fff;
    }
    .header{
      position:relative;
      z-index:40;
      background:rgba(255,255,255,.98);
      border-bottom:1px solid var(--line);
      box-shadow:0 4px 18px rgba(15,35,70,.04);
    }
    .header-inner{
      min-height:76px;
      display:flex;
      align-items:center;
      gap:28px;
    }
    .logo{
      min-width:190px;
      display:flex;
      align-items:center;
      gap:11px;
      color:var(--primary);
      font-size:19px;
      font-weight:800;
    }
    .logo img{
      width:42px;
      height:42px;
      object-fit:contain;
      border-radius:10px;
    }
    .main-nav{
      margin-left:auto;
      align-self:stretch;
    }
    .nav-list{
      height:100%;
      margin:0;
      padding:0;
      display:flex;
      align-items:stretch;
      list-style:none;
    }
    .nav-item{
      position:relative;
      display:flex;
      align-items:center;
    }
    .nav-link{
      height:100%;
      padding:0 12px;
      display:flex;
      align-items:center;
      color:#344054;
      font-size:14px;
      font-weight:700;
      white-space:nowrap;
      transition:.2s ease;
    }
    .nav-link:hover,
    .nav-item:focus-within > .nav-link{
      color:var(--primary);
    }
    .has-arrow::after{
      width:6px;
      height:6px;
      margin:-4px 0 0 7px;
      border-right:1.5px solid currentColor;
      border-bottom:1.5px solid currentColor;
      content:"";
      transform:rotate(45deg);
    }
    .dropdown-panel,
    .mega-menu{
      position:absolute;
      top:100%;
      left:0;
      z-index:50;
      padding:22px;
      visibility:hidden;
      opacity:0;
      background:#fff;
      border:1px solid var(--line);
      border-radius:0 0 16px 16px;
      box-shadow:var(--shadow);
      transform:translateY(8px);
      transition:.2s ease;
      pointer-events:none;
    }
    .dropdown-panel::before,
    .mega-menu::before{
      position:absolute;
      right:0;
      bottom:100%;
      left:0;
      height:10px;
      content:"";
    }
    .dropdown-panel{
      width:330px;
    }
    .mega-menu{
      width:650px;
    }
    .nav-item:nth-last-child(-n+3) .mega-menu{
      right:0;
      left:auto;
    }
    .nav-item:hover > .dropdown-panel,
    .nav-item:hover > .mega-menu,
    .nav-item:focus-within > .dropdown-panel,
    .nav-item:focus-within > .mega-menu{
      visibility:visible;
      opacity:1;
      transform:translateY(0);
      pointer-events:auto;
    }
    .panel-title{
      margin-bottom:14px;
      color:var(--primary);
      font-size:13px;
      font-weight:800;
      letter-spacing:.08em;
      text-transform:uppercase;
    }
    .panel-list{
      display:grid;
      gap:6px;
    }
    .panel-list a{
      padding:9px 10px;
      display:grid;
      gap:3px;
      border-radius:9px;
      color:#344054;
      font-size:14px;
    }
    .panel-list a:hover{
      color:var(--primary);
      background:var(--primary-soft);
    }
    .panel-list small,
    .mega-card small{
      color:var(--muted);
      font-size:12px;
      font-weight:500;
      line-height:1.45;
    }
    .mega-grid{
      display:grid;
      grid-template-columns:1fr 1fr;
      gap:22px;
    }
    .mega-card{
      margin-bottom:8px;
      padding:10px;
      display:flex;
      align-items:center;
      gap:10px;
      border:1px solid #edf1f6;
      border-radius:11px;
      transition:.2s ease;
    }
    .mega-card:hover{
      border-color:#b7cae8;
      background:var(--primary-soft);
    }
    .mega-card img{
      width:38px;
      height:38px;
      flex:0 0 38px;
      object-fit:contain;
      border-radius:8px;
      background:#fff;
    }
    .mega-card span{
      min-width:0;
      display:grid;
    }
    .mega-card strong{
      overflow:hidden;
      font-size:13px;
      text-overflow:ellipsis;
      white-space:nowrap;
    }
    .mega-footer{
      margin-top:16px;
      padding-top:13px;
      display:block;
      color:var(--primary);
      border-top:1px solid var(--line);
      font-size:13px;
      font-weight:800;
    }
    .header-btns{
      display:flex;
      align-items:center;
      gap:9px;
    }
    .member-link{
      color:var(--primary);
      font-size:14px;
      font-weight:750;
      white-space:nowrap;
    }
    .open-account{
      padding:10px 15px;
      color:#fff;
      background:var(--primary);
      border-radius:9px;
      font-size:13px;
      font-weight:800;
      white-space:nowrap;
      transition:.2s ease;
    }
    .open-account:hover{
      background:var(--primary-dark);
      transform:translateY(-1px);
    }
    .hamburger{
      width:42px;
      height:42px;
      padding:10px;
      display:none;
      border:1px solid var(--line);
      border-radius:9px;
      background:#fff;
      cursor:pointer;
    }
    .hamburger span{
      width:100%;
      height:2px;
      margin:4px 0;
      display:block;
      background:var(--ink);
      transition:.2s ease;
    }
    .hamburger.active span:nth-child(1){
      transform:translateY(6px) rotate(45deg);
    }
    .hamburger.active span:nth-child(2){
      opacity:0;
    }
    .hamburger.active span:nth-child(3){
      transform:translateY(-6px) rotate(-45deg);
    }
    .drawer-overlay{
      position:fixed;
      inset:0;
      z-index:80;
      visibility:hidden;
      opacity:0;
      background:rgba(5,15,35,.58);
      transition:.25s ease;
    }
    .drawer-overlay.open{
      visibility:visible;
      opacity:1;
    }
    .mobile-drawer{
      position:fixed;
      top:0;
      right:0;
      z-index:90;
      width:min(390px,92vw);
      height:100dvh;
      overflow-y:auto;
      background:#fff;
      box-shadow:-20px 0 50px rgba(0,0,0,.16);
      transform:translateX(105%);
      transition:.28s ease;
    }
    .mobile-drawer.open{
      transform:translateX(0);
    }
    .drawer-head{
      min-height:72px;
      padding:14px 18px;
      display:flex;
      align-items:center;
      gap:12px;
      color:#fff;
      background:var(--primary);
    }
    .drawer-head strong{
      min-width:0;
      margin-right:auto;
    }
    .drawer-head a{
      padding:7px 10px;
      border:1px solid rgba(255,255,255,.4);
      border-radius:8px;
      font-size:12px;
      font-weight:800;
    }
    .drawer-close{
      width:36px;
      height:36px;
      color:#fff;
      background:transparent;
      border:0;
      font-size:28px;
      line-height:1;
      cursor:pointer;
    }
    .drawer-menu{
      padding:14px 18px 30px;
    }
    .drawer-link,
    .drawer-toggle{
      width:100%;
      padding:14px 4px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      background:none;
      border:0;
      border-bottom:1px solid var(--line);
      font-weight:750;
      text-align:left;
      cursor:pointer;
    }
    .drawer-toggle::after{
      content:"+";
      color:var(--primary);
      font-size:20px;
    }
    .drawer-toggle.active::after{
      content:"−";
    }
    .drawer-submenu{
      max-height:0;
      overflow:hidden;
      background:var(--surface-soft);
      transition:max-height .3s ease;
    }
    .drawer-submenu.open{
      max-height:900px;
    }
    .drawer-submenu a{
      padding:10px 15px;
      display:block;
      color:#475467;
      border-bottom:1px solid #e7edf4;
      font-size:14px;
    }
    .tools-page{
      min-width:0;
      background:linear-gradient(180deg,#effbfc 0,#fff 430px);
    }
    .tools-page .tools-intro{
      padding:70px 0 42px;
      text-align:center;
    }
    .tools-page .eyebrow{
      margin:0 0 13px;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:var(--cyan);
      font-size:13px;
      font-weight:850;
      letter-spacing:.1em;
      text-transform:uppercase;
    }
    .tools-page .eyebrow::before{
      width:8px;
      height:8px;
      content:"";
      background:var(--cyan);
      border-radius:50%;
      box-shadow:0 0 0 6px rgba(8,145,178,.12);
    }
    .tools-page h1{
      max-width:850px;
      margin:0 auto 17px;
      color:#101828;
      font-size:clamp(36px,6vw,64px);
      line-height:1.08;
      letter-spacing:-.045em;
    }
    .tools-page .lead{
      max-width:760px;
      margin:0 auto;
      color:#526173;
      font-size:18px;
    }
    .tools-page .quick-path{
      margin-top:38px;
      padding:22px;
      display:grid;
      grid-template-columns:repeat(4,1fr);
      gap:12px;
      background:rgba(255,255,255,.82);
      border:1px solid rgba(8,145,178,.19);
      border-radius:20px;
      box-shadow:0 18px 45px rgba(8,70,100,.08);
    }
    .tools-page .path-step{
      position:relative;
      padding:18px 14px;
      display:grid;
      justify-items:center;
      gap:7px;
      border-radius:14px;
      background:#f8fcfd;
    }
    .tools-page .path-step:not(:last-child)::after{
      position:absolute;
      top:50%;
      right:-11px;
      z-index:2;
      width:20px;
      height:2px;
      content:"";
      background:#75c8d8;
    }
    .tools-page .path-number{
      width:32px;
      height:32px;
      display:grid;
      place-items:center;
      color:#fff;
      background:var(--cyan);
      border-radius:50%;
      font-size:12px;
      font-weight:850;
    }
    .tools-page .path-step strong{
      font-size:14px;
    }
    .tools-page .path-step small{
      color:var(--muted);
    }
    .tools-page .tools-section{
      padding:38px 0 78px;
    }
    .tools-page .section-heading{
      margin-bottom:27px;
      display:flex;
      align-items:end;
      justify-content:space-between;
      gap:25px;
    }
    .tools-page .section-heading h2{
      margin:0 0 5px;
      font-size:32px;
      letter-spacing:-.025em;
    }
    .tools-page .section-heading p{
      max-width:670px;
      margin:0;
      color:var(--muted);
    }
    .tools-page .section-status{
      padding:8px 12px;
      display:inline-flex;
      align-items:center;
      gap:8px;
      color:#087255;
      background:#ecfdf3;
      border:1px solid #b7efd5;
      border-radius:999px;
      font-size:12px;
      font-weight:800;
      white-space:nowrap;
    }
    .tools-page .section-status::before{
      width:7px;
      height:7px;
      content:"";
      background:var(--success);
      border-radius:50%;
    }
    .tools-page .tools-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
    }
    .tools-page .tool-card{
      min-width:0;
      padding:25px;
      display:flex;
      flex-direction:column;
      background:#fff;
      border:1px solid var(--line);
      border-radius:var(--radius);
      box-shadow:0 8px 25px rgba(15,35,70,.045);
      transition:.25s ease;
    }
    .tools-page .tool-card:hover{
      border-color:#94b7e6;
      box-shadow:var(--shadow);
      transform:translateY(-5px);
    }
    .tools-page .tool-card-head{
      margin-bottom:18px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:16px;
    }
    .tools-page .tool-icon{
      width:58px;
      height:58px;
      padding:10px;
      object-fit:contain;
      background:var(--primary-soft);
      border-radius:14px;
    }
    .tools-page .tool-badge{
      padding:6px 9px;
      color:var(--primary);
      background:#f1f5fb;
      border-radius:999px;
      font-size:11px;
      font-weight:850;
      letter-spacing:.04em;
      text-transform:uppercase;
    }
    .tools-page .tool-card h2{
      margin:0 0 10px;
      font-size:21px;
      line-height:1.3;
    }
    .tools-page .tool-card p{
      margin:0 0 22px;
      color:var(--muted);
      font-size:14px;
    }
    .tools-page .tool-action{
      margin-top:auto;
      padding-top:16px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      color:var(--primary);
      border-top:1px solid #edf1f6;
      font-size:14px;
      font-weight:850;
    }
    .tools-page .tool-action span:last-child{
      width:29px;
      height:29px;
      display:grid;
      place-items:center;
      color:#fff;
      background:var(--primary);
      border-radius:50%;
      transition:.2s ease;
    }
    .tools-page .tool-card:hover .tool-action span:last-child{
      transform:translateX(3px);
    }
    .tools-page .guide-section{
      padding:0 0 80px;
    }
    .tools-page .guide-panel{
      padding:38px;
      display:grid;
      grid-template-columns:1.15fr .85fr;
      gap:34px;
      color:#fff;
      background:linear-gradient(135deg,#082c67,var(--primary) 58%,#087f9c);
      border-radius:24px;
      box-shadow:0 24px 55px rgba(11,61,145,.2);
    }
    .tools-page .guide-panel h2{
      margin:0 0 12px;
      font-size:32px;
      line-height:1.2;
    }
    .tools-page .guide-panel p{
      margin:0;
      color:#d7e8ff;
    }
    .tools-page .guide-list{
      display:grid;
      gap:11px;
    }
    .tools-page .guide-item{
      padding:13px 15px;
      display:flex;
      align-items:center;
      gap:11px;
      background:rgba(255,255,255,.1);
      border:1px solid rgba(255,255,255,.18);
      border-radius:12px;
      font-size:14px;
      font-weight:700;
    }
    .tools-page .guide-item::before{
      width:22px;
      height:22px;
      display:grid;
      flex:0 0 22px;
      place-items:center;
      color:var(--primary);
      background:#fff;
      border-radius:50%;
      content:"✓";
      font-size:12px;
      font-weight:900;
    }
    .tools-page .notice{
      margin-top:24px;
      padding:17px 19px;
      display:flex;
      align-items:flex-start;
      gap:12px;
      color:#6b4b08;
      background:#fffaeb;
      border:1px solid #f6d98f;
      border-radius:13px;
      font-size:13px;
    }
    .tools-page .notice strong{
      flex:0 0 auto;
      color:var(--warning);
    }
    .footer{
      padding:58px 0 0;
      color:#cbd5e1;
      background:#081a35;
    }
    .footer-grid{
      padding-bottom:42px;
      display:grid;
      grid-template-columns:1.6fr 1fr 1fr 1fr;
      gap:44px;
    }
    .footer-brand{
      margin-bottom:12px;
      color:#fff;
      font-size:23px;
      font-weight:850;
    }
    .footer p{
      max-width:390px;
      margin:0;
      color:#9fb0c6;
      font-size:14px;
    }
    .footer h3{
      margin:0 0 15px;
      color:#fff;
      font-size:15px;
    }
    .footer a{
      margin:8px 0;
      display:block;
      color:#aebdd0;
      font-size:14px;
    }
    .footer a:hover{
      color:#fff;
    }
    .footer-bottom{
      min-height:70px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
      border-top:1px solid rgba(255,255,255,.12);
      color:#91a4bb;
      font-size:13px;
    }
    @media (max-width:1080px){
      .main-nav{
        display:none;
      }
      .hamburger{
        display:block;
      }
      .header-inner{
        gap:16px;
      }
      .header-btns{
        margin-left:auto;
      }
      .tools-page .tools-grid{
        grid-template-columns:repeat(2,minmax(0,1fr));
      }
    }
    @media (max-width:760px){
      .container{
        width:min(100% - 28px,1180px);
      }
      .topbar-inner{
        padding:8px 0;
        align-items:flex-start;
        flex-direction:column;
        gap:3px;
      }
      .topbar-links{
        align-items:flex-start;
        flex-direction:column;
        gap:2px;
      }
      .header-inner{
        min-height:68px;
      }
      .logo{
        min-width:0;
        font-size:16px;
      }
      .logo img{
        width:36px;
        height:36px;
      }
      .member-link,
      .open-account{
        display:none;
      }
      .tools-page .tools-intro{
        padding:52px 0 30px;
      }
      .tools-page .lead{
        font-size:16px;
      }
      .tools-page .quick-path{
        grid-template-columns:1fr 1fr;
      }
      .tools-page .path-step:not(:last-child)::after{
        display:none;
      }
      .tools-page .section-heading{
        align-items:flex-start;
        flex-direction:column;
      }
      .tools-page .tools-grid{
        grid-template-columns:1fr;
      }
      .tools-page .guide-panel{
        padding:28px 22px;
        grid-template-columns:1fr;
      }
      .footer-grid{
        grid-template-columns:1fr 1fr;
        gap:30px;
      }
      .footer-bottom{
        padding:18px 0;
        align-items:flex-start;
        flex-direction:column;
        justify-content:center;
        gap:5px;
      }
    }
    @media (max-width:480px){
      .tools-page .quick-path{
        grid-template-columns:1fr;
      }
      .tools-page .tools-section{
        padding-bottom:60px;
      }
      .tools-page .tool-card{
        padding:21px;
      }
      .footer-grid{
        grid-template-columns:1fr;
      }
    }