:root{
  --bg:#f4f7fb;
  --surface:#ffffff;
  --surface-2:#f8fbff;
  --text:#142033;
  --muted:#5e6c81;
  --line:#dbe3ef;
  --brand:#163d9b;
  --brand-2:#0d7a63;
  --brand-3:#e8f0ff;
  --dark:#0e1626;
  --dark-2:#15233c;
  --shadow:0 14px 40px rgba(17,32,61,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--text);line-height:1.65}
a{text-decoration:none;color:var(--brand)}
img{max-width:100%;display:block}
.container{width:min(1160px,92%);margin:0 auto}
.narrow{width:min(780px,92%)}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 0}
.brand{display:flex;align-items:center;gap:12px;color:var(--text)}
.brand strong{display:block;font-size:1rem}
.brand small{display:block;color:var(--muted);margin-top:2px}
.brand-mark{width:44px;height:44px;border-radius:14px;background:linear-gradient(135deg,var(--brand),var(--brand-2));display:grid;place-items:center;color:#fff;font-weight:700;box-shadow:var(--shadow)}
.site-nav{display:flex;gap:18px;align-items:center}
.site-nav a{color:var(--text)}
.menu-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:8px 10px;font-size:18px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--brand);color:#fff;padding:12px 18px;border-radius:12px;font-weight:700;border:1px solid var(--brand);cursor:pointer;box-shadow:var(--shadow)}
.btn:hover{filter:brightness(.98)}
.btn-sm{padding:9px 14px;font-size:.95rem}
.btn-secondary{background:#fff;color:var(--brand);border:1px solid var(--brand)}
.btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.35);box-shadow:none}
.hero,.page-hero{padding:78px 0 56px}
.hero{background:radial-gradient(circle at top left,#eff5ff 0%,#f4f7fb 48%,#edf7f4 100%)}
.page-hero{background:linear-gradient(180deg,#eef4ff 0%,#f4f7fb 100%)}
.hero-grid,.grid-2,.grid-3,.grid-4,.footer-grid,.cta-block,.split-callout{display:grid;gap:24px}
.hero-grid,.grid-2,.split-callout{grid-template-columns:1.25fr 1fr}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.footer-grid{grid-template-columns:2fr 1fr 1fr}
.cta-block{grid-template-columns:2fr 1fr;align-items:center}
.hero h1,.page-hero h1{font-size:clamp(2.45rem,4vw,4.4rem);line-height:1.04;margin:.18em 0 .28em}
.lead{font-size:1.12rem;color:var(--muted);max-width:760px}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.8rem;font-weight:700;color:var(--brand-2)}
.kicker{display:inline-block;padding:6px 10px;border-radius:999px;background:var(--brand-3);color:var(--brand);font-size:.8rem;font-weight:700}
.card,.stat,.offer-card,.feature-card{background:var(--surface);border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:var(--shadow)}
.hero-card{background:linear-gradient(180deg,#13213b 0%,#0d1728 100%);color:#fff;border:none}
.hero-card p,.hero-card li{color:#d5dff0}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:26px 0 30px}
.hero-metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.hero-metrics div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px 16px 14px}
.hero-metrics strong{display:block;font-size:1.55rem;margin-bottom:2px}
.section{padding:74px 0}
.section-alt{background:#eef3f9}
.section-dark{background:linear-gradient(180deg,var(--dark) 0%,var(--dark-2) 100%);color:#fff}
.section-dark p,.section-dark .subhead{color:#d6deec}
.section h2,.section-dark h2{font-size:clamp(1.7rem,2.5vw,2.5rem);margin:.1em 0 .35em}
.subhead,.muted{color:var(--muted)}
.ticks{padding-left:18px;margin:0}
.ticks li{margin:10px 0}
.mini-label{font-size:.84rem;font-weight:700;color:var(--brand-2);text-transform:uppercase;letter-spacing:.12em}
.stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:24px}
.stat strong{display:block;font-size:1.9rem;line-height:1.05}
.offer-card h3,.feature-card h3,.card h3{margin-top:0}
.offer-card{background:linear-gradient(180deg,#fff 0%,#f8fbff 100%)}
.feature-band{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.callout{padding:28px;border-radius:24px;background:linear-gradient(135deg,#15398f 0%,#0f705d 100%);color:#fff;box-shadow:var(--shadow)}
.callout p{color:#e8efff}
.note-bar{padding:16px 18px;border-radius:16px;background:#fff8e8;border:1px solid #efdfad;color:#6b5a28}
.check-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.check-item{padding:16px 18px;border:1px solid var(--line);border-radius:16px;background:#fff}
.site-footer{background:#fff;border-top:1px solid var(--line);padding:34px 0}
.site-footer a{display:block;margin-top:8px;color:var(--muted)}
label{display:block;font-weight:700;margin:10px 0 12px}
input,textarea,select{width:100%;padding:12px 14px;border:1px solid #cdd7e6;border-radius:12px;margin-top:6px;font:inherit;background:#fff}
.form-card .btn{width:100%}
.center-page{min-height:100vh;display:grid;place-items:center;padding:20px}.center{text-align:center}
.quote{padding:18px 20px;border-left:4px solid var(--brand);background:#fff;border-radius:16px;box-shadow:var(--shadow)}
@media (max-width:980px){
  .hero-grid,.grid-2,.grid-3,.grid-4,.footer-grid,.cta-block,.feature-band,.split-callout,.stat-grid,.check-grid{grid-template-columns:1fr}
  .menu-toggle{display:block}
  .site-nav{display:none;position:absolute;right:4%;top:72px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px;flex-direction:column;align-items:flex-start;min-width:220px;box-shadow:var(--shadow)}
  .site-nav.open{display:flex}
  .hero-metrics{grid-template-columns:1fr}
}

/* V16 additions: Nusfun logo link, compliance banner, footer */
.nusfun-logo-link{display:block;width:auto;height:44px;max-width:190px;object-fit:contain}
.nav-nusfun{display:flex;align-items:center;padding-left:14px;border-left:1px solid var(--line);margin-left:2px}
.nusfun-logo-nav{height:36px}
.nusfun-logo-lg{height:64px;max-width:280px}
.compliance-banner{border-radius:22px;overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow)}
.compliance-banner img{width:100%;height:auto;display:block}
.compliance-note{margin-top:18px;color:var(--muted);font-size:.95rem;max-width:900px}
.footer-legal{color:var(--muted);font-size:.9rem;margin-top:12px;max-width:520px}
.footer-nusfun{display:inline-block;margin-top:14px}
.copyright{margin-top:26px;padding-top:16px;border-top:1px solid var(--line);color:var(--muted);font-size:.88rem}
.contact-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:16px}
@media (max-width:768px){
  .nusfun-logo-link{height:36px;max-width:155px}
  .nusfun-logo-nav{height:32px}
  .nav-nusfun{border-left:none;padding-left:0;margin-left:0}
  .nusfun-logo-lg{height:52px}
}

/* V17 additions */
.process-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.process-step{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:20px 18px;box-shadow:var(--shadow)}
.process-step .step-no{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;font-weight:700;margin-bottom:10px}
.process-step h3{margin:0 0 6px;font-size:1.02rem}
.process-step p{margin:0;color:var(--muted);font-size:.93rem}
.product-card table{width:100%;border-collapse:collapse;margin-top:10px;font-size:.94rem}
.product-card td{padding:7px 8px;border-top:1px solid var(--line);vertical-align:top}
.product-card td:first-child{font-weight:700;width:38%;color:var(--muted)}
.tag{display:inline-block;padding:3px 10px;border-radius:999px;font-size:.78rem;font-weight:700;background:var(--brand-3);color:var(--brand);margin-right:6px}
.tag-amber{background:#fff3d6;color:#7a5c12}
.notice{padding:18px 20px;border-radius:16px;background:#f2f6ff;border:1px solid #cdd9f2;color:#2c3e5d;font-size:.95rem}
.faq-item{border-bottom:1px solid var(--line);padding:16px 0}
.faq-item h3{margin:0 0 6px;font-size:1.05rem}
.faq-item p{margin:0;color:var(--muted)}
@media (max-width:980px){.process-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.process-grid{grid-template-columns:1fr}}