*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  :root {
    --navy: #001548;
    --blue: #0481FD;
    --blue-deep: #225AB8;
    --blue-soft: #5FA8FF;
    --bg: #F0F3F9;
    --bg-card: #FFFFFF;
    --muted: #5B6478;
    --border: rgba(0, 21, 72, 0.1);
    --border-strong: rgba(4, 129, 253, 0.35);
    --font: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  }
  @import url('https://fonts.googleapis.com/css2?family=Poppins:wght@300;400;500;600;700&display=swap');
  html { scroll-behavior: smooth; }
  body {
    font-family: var(--font);
    background: var(--bg);
    color: var(--navy);
    line-height: 1.65;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
  }

  .hero {
    padding: 5rem 2rem 4.5rem;
    max-width: 1100px; margin: 0 auto;
    display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 3.5rem; align-items: center;
  }
  .hero-eyebrow {
    display: inline-flex; align-items: center; gap: 8px;
    font-size: 12px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase;
    color: var(--blue-deep);
    background: rgba(4,129,253,0.08); border: 1px solid var(--border-strong);
    padding: 6px 14px; border-radius: 100px; margin-bottom: 1.5rem;
  }
  .hero-eyebrow::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--blue); }
  .hero h1 {
    font-weight: 700;
    font-size: clamp(2rem, 4vw, 2.6rem);
    line-height: 1.2; letter-spacing: -0.02em;
    color: var(--navy); margin-bottom: 1.25rem;
  }
  .hero h1 span { color: var(--blue); }
  .hero-desc {
    font-size: 16px; color: var(--muted); font-weight: 400;
    line-height: 1.7; margin-bottom: 2rem; max-width: 540px;
  }
  .hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; }
  .btn-primary {
    background: var(--navy); color: #fff;
    font-size: 14px; font-weight: 600;
    padding: 13px 26px; border-radius: 100px;
    text-decoration: none; transition: background 0.2s;
  }
  .btn-primary:hover { background: var(--blue); }
  .btn-secondary {
    background: transparent; color: var(--navy);
    font-size: 14px; font-weight: 500;
    padding: 13px 26px; border-radius: 100px;
    border: 1px solid var(--border-strong);
    text-decoration: none; transition: border-color 0.2s;
  }
  .btn-secondary:hover { border-color: var(--blue); color: var(--blue); }

  .hero-visual {
    background: var(--navy);
    border-radius: 20px;
    padding: 2.25rem;
    position: relative; overflow: hidden;
  }
  .hero-visual::before {
    content: '';
    position: absolute; top: -40px; right: -40px;
    width: 200px; height: 200px; border-radius: 50%;
    background: rgba(4,129,253,0.18);
  }
  .stat-hero { position: relative; z-index: 1; }
  .stat-num {
    font-weight: 700; font-size: clamp(3.2rem, 6vw, 4.4rem);
    color: #fff; line-height: 1; margin-bottom: 1rem;
  }
  .stat-copy {
    font-size: 15px; color: rgba(255,255,255,0.82); line-height: 1.65; margin-bottom: 1rem;
  }
  .stat-note {
    font-size: 13.5px; color: var(--blue-soft); line-height: 1.6; font-weight: 500;
  }

  section { padding: 4.5rem 2rem; }
  .container { max-width: 1100px; margin: 0 auto; }
  .section-label {
    font-size: 11px; font-weight: 600; letter-spacing: 0.12em;
    text-transform: uppercase; color: var(--blue-deep);
    margin-bottom: 0.75rem;
  }
  .section-title {
    font-weight: 700;
    font-size: clamp(1.5rem, 3vw, 2.1rem);
    letter-spacing: -0.02em; line-height: 1.3;
    color: var(--navy); margin-bottom: 1rem;
  }
  .section-desc {
    font-size: 16px; color: var(--muted); font-weight: 400;
    max-width: 720px; line-height: 1.7; margin-left: auto; margin-right: auto;
  }
  .section-header { text-align: center; margin: 0 auto 2.75rem; }
  .subhead {
    font-weight: 600; font-size: 1.15rem; color: var(--navy);
    margin: 2.5rem 0 1.25rem; text-align: center;
  }
  .ipeb-lead { margin-bottom: 1.5rem; text-align: center; }

  .what-section { background: #fff; }
  .what-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; margin-top: 2.5rem;
  }
  .what-card {
    background: var(--bg); border: 1px solid var(--border);
    border-radius: 16px; padding: 1.75rem; text-align: center;
  }
  .what-card h3 { font-weight: 600; font-size: 1.02rem; color: var(--navy); margin-bottom: 0.6rem; }
  .what-card p { font-size: 14px; color: var(--muted); font-weight: 400; line-height: 1.65; }

  .process-section { background: var(--bg); }
  .process-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem;
  }
  .process-card {
    background: #fff; border: 1px solid var(--border);
    border-radius: 16px; padding: 2rem; text-align: center;
  }
  .process-step {
    display: inline-block;
    font-size: 12px; font-weight: 700; letter-spacing: 0.08em;
    color: var(--blue); margin-bottom: 0.85rem;
  }
  .process-card h3 { font-weight: 600; font-size: 1.2rem; color: var(--navy); margin-bottom: 0.75rem; }
  .process-card > p { font-size: 14.5px; color: var(--muted); margin-bottom: 1.25rem; line-height: 1.65; }
  .process-card .check-list { text-align: left; max-width: 420px; margin: 0 auto; }
  .check-list { list-style: none; }
  .check-list li {
    position: relative; padding: 0.45rem 0 0.45rem 1.2rem;
    font-size: 14px; color: var(--navy); line-height: 1.55;
  }
  .check-list li::before {
    content: '';
    position: absolute; left: 0; top: 0.85rem;
    width: 7px; height: 7px; border-radius: 50%; background: var(--blue);
  }

  .ipeb-section { background: var(--bg); }
  .ipeb-section .dim-card,
  .ipeb-section .module-card {
    background: #fff;
  }
  .dim-grid, .perma-grid {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem;
  }
  .dim-card, .perma-card {
    background: var(--bg); border: 1px solid var(--border);
    border-radius: 16px; padding: 1.5rem; text-align: center;
  }
  .dim-card h3, .perma-card h3 {
    font-weight: 600; font-size: 1rem; color: var(--navy); margin-bottom: 0.45rem;
  }
  .dim-card p, .perma-card p { font-size: 14px; color: var(--muted); line-height: 1.6; }
  .modules-grid {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem;
  }
  .module-card {
    background: var(--bg); border: 1px solid var(--border);
    border-radius: 16px; padding: 1.6rem; text-align: center;
  }
  .module-tag {
    display: inline-block;
    font-size: 11px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase;
    color: var(--blue-deep); background: rgba(4,129,253,0.1);
    padding: 4px 10px; border-radius: 100px; margin-bottom: 0.85rem;
  }
  .module-card h3 { font-weight: 600; font-size: 1.05rem; color: var(--navy); margin-bottom: 0.5rem; }
  .module-card p { font-size: 14px; color: var(--muted); line-height: 1.6; }
  .index-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; margin-top: 2rem;
  }
  .index-card {
    background: var(--navy); border-radius: 16px; padding: 1.75rem; text-align: center;
  }
  .index-code {
    display: inline-block;
    font-size: 12px; font-weight: 700; letter-spacing: 0.08em;
    color: var(--blue-soft); margin-bottom: 0.7rem;
  }
  .index-card h3 { font-weight: 600; font-size: 1.05rem; color: #fff; margin-bottom: 0.55rem; }
  .index-card p { font-size: 14px; color: rgba(255,255,255,0.65); line-height: 1.6; }
  .maturity { margin-top: 2rem; }
  .maturity-list {
    list-style: none;
    display: grid; grid-template-columns: repeat(5, 1fr); gap: 0.75rem;
  }
  .maturity-list li {
    background: #fff; border: 1px solid var(--border);
    border-radius: 12px; padding: 1rem 0.85rem;
    font-size: 13.5px; color: var(--navy); text-align: center;
  }

  .models-section { background: #fff; }
  .models-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem;
  }
  .model-card {
    background: var(--bg); border: 1px solid var(--border);
    border-radius: 16px; padding: 2rem 1.75rem; text-align: center;
  }
  .model-card h3 {
    font-weight: 700; font-size: 1.2rem; color: var(--navy); margin-bottom: 0.35rem;
  }
  .model-kicker {
    font-size: 13.5px; font-weight: 600; color: var(--blue-deep);
    margin-bottom: 1rem;
  }
  .model-card p { font-size: 14.5px; color: var(--muted); line-height: 1.7; margin-bottom: 0.85rem; }
  .model-card p:last-child { margin-bottom: 0; }
  .model-pills {
    display: flex; flex-wrap: wrap; justify-content: center; gap: 0.5rem;
    margin: 0.85rem 0 1rem;
    list-style: none;
  }
  .model-pills li {
    background: #fff; border: 1px solid var(--border);
    border-radius: 100px; padding: 7px 12px;
    font-size: 12.5px; color: var(--navy); font-weight: 500;
  }

  .perma-section { background: var(--bg); }
  .perma-card span {
    display: inline-block;
    font-size: 13px; font-weight: 700; color: var(--blue);
    margin-bottom: 0.45rem;
  }

  .formats-section { background: var(--navy); }
  .formats-section .section-label { color: var(--blue-soft); }
  .formats-section .section-title { color: #fff; }
  .formats-section .section-desc { color: rgba(255,255,255,0.55); }
  .formats-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; margin-top: 2.5rem;
  }
  .format-card {
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: 16px; padding: 2rem;
    position: relative; overflow: hidden;
  }
  .format-card::before {
    content: '';
    position: absolute; top: 0; left: 0; right: 0; height: 3px;
    background: var(--blue);
  }
  .format-tag {
    display: inline-block;
    font-size: 11px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase;
    color: var(--blue-soft); background: rgba(4,129,253,0.14);
    padding: 4px 10px; border-radius: 100px; margin-bottom: 1.1rem;
  }
  .format-card h3 {
    font-weight: 600; font-size: 1.25rem; color: #fff; margin-bottom: 1rem;
  }
  .format-list { list-style: none; }
  .format-list li {
    display: flex; gap: 10px; align-items: flex-start;
    font-size: 14px; color: rgba(255,255,255,0.7); font-weight: 400;
    padding: 0.45rem 0; line-height: 1.55;
  }
  .format-list .dot {
    width: 7px; height: 7px; border-radius: 50%; flex-shrink: 0;
    background: var(--blue-soft); margin-top: 7px;
  }

  .cta-section { background: #000C2E; text-align: center; padding: 6rem 2rem; }
  .cta-section h2 {
    font-weight: 700;
    font-size: clamp(1.7rem, 3vw, 2.5rem);
    color: #fff; margin-bottom: 1rem; letter-spacing: -0.02em;
  }
  .cta-section h2 span { color: var(--blue-soft); }
  .cta-section p { color: rgba(255,255,255,0.55); font-size: 16px; margin-bottom: 2.5rem; font-weight: 400; }
  .cta-actions { display: flex; justify-content: center; gap: 1rem; flex-wrap: wrap; }
  .btn-cta-primary {
    background: var(--blue); color: #fff;
    font-size: 14px; font-weight: 600;
    padding: 14px 28px; border-radius: 100px;
    text-decoration: none; transition: background 0.2s;
  }
  .btn-cta-primary:hover { background: var(--blue-soft); }
  .btn-cta-secondary {
    background: transparent; color: rgba(255,255,255,0.75);
    font-size: 14px; font-weight: 500; padding: 14px 28px; border-radius: 100px;
    border: 1px solid rgba(255,255,255,0.18);
    text-decoration: none; transition: border-color 0.2s;
  }
  .btn-cta-secondary:hover { border-color: rgba(255,255,255,0.4); color: #fff; }

  @media (max-width: 900px) {
    .what-grid, .process-grid, .formats-grid, .index-grid, .models-grid { grid-template-columns: 1fr; }
    .dim-grid, .modules-grid, .perma-grid { grid-template-columns: 1fr 1fr; }
    .maturity-list { grid-template-columns: 1fr 1fr; }
  }
  @media (max-width: 768px) {
    .hero { grid-template-columns: 1fr; gap: 2.5rem; padding: 3.5rem 1.25rem 3rem; }
    .dim-grid, .modules-grid, .perma-grid, .maturity-list { grid-template-columns: 1fr; }
    section { padding: 3rem 1.25rem; }
    .cta-section { padding: 4rem 1.25rem; }
  }