/* ==========================================================================
   Free Zone Subpages Unified Stylesheet (free-zone-subpage.css)
   Effective Desk — Institutional Corporate Structuring
   ========================================================================== */

/* 1. Hero Section */
.fz-hero {
  background: linear-gradient(135deg, #011224 0%, #04284d 100%);
  color: #ffffff;
  padding: 60px 0 68px 0;
  position: relative;
  overflow: hidden;
}

.fz-hero::before {
  content: '';
  position: absolute;
  top: -20%;
  right: -10%;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(57, 198, 244, 0.16) 0%, rgba(1, 18, 36, 0) 70%);
  pointer-events: none;
  z-index: 0;
}

.fz-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: 
    linear-gradient(to right, rgba(255, 255, 255, 0.03) 1px, transparent 1px),
    linear-gradient(to bottom, rgba(255, 255, 255, 0.03) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
  z-index: 0;
}

.fz-hero-watermark {
  position: absolute;
  top: -40px;
  right: -30px;
  opacity: 0.04;
  pointer-events: none;
  z-index: 0;
}

.fz-hero-watermark img {
  width: 440px;
  height: auto;
  transform: rotate(12deg);
}

.fz-hero-container {
  position: relative;
  z-index: 1;
}

.fz-hero-split {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
  margin-bottom: 40px;
}

.fz-hero-content {
  display: flex;
  flex-direction: column;
}

.fz-hero-content .breadcrumbs {
  margin-bottom: 16px;
}

.fz-hero-content .breadcrumbs a {
  color: rgba(255, 255, 255, 0.70);
  text-decoration: none;
  font-size: 13.5px;
  transition: color var(--transition-fast);
}

.fz-hero-content .breadcrumbs a:hover {
  color: #39C6F4;
}

.fz-hero-content .breadcrumbs .sep {
  color: rgba(255, 255, 255, 0.35);
  margin: 0 7px;
}

.fz-hero-content .breadcrumbs .current {
  color: #39C6F4;
  font-weight: 600;
  font-size: 13.5px;
}

.fz-hero-title {
  font-family: var(--font-heading);
  font-size: 38px;
  line-height: 46px;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: #ffffff;
  margin-bottom: 16px;
}

.fz-hero-subtitle {
  font-family: var(--font-body);
  font-size: 15.5px;
  line-height: 25px;
  color: rgba(255, 255, 255, 0.88);
  margin-bottom: 24px;
  max-width: 580px;
}

.fz-hero-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 22px;
  flex-wrap: wrap;
}

.fz-hero-trust-row {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.fz-hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-body);
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.78);
}

.fz-hero-tag svg {
  color: #39C6F4;
  flex-shrink: 0;
}

.fz-hero-media-wrap {
  position: relative;
  display: flex;
  justify-content: flex-end;
  align-items: center;
  min-height: 360px;
}

.fz-hero-main-photo {
  width: 88%;
  height: 340px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 20px 48px rgba(1, 18, 36, 0.45);
  border: 1px solid rgba(255, 255, 255, 0.15);
  position: relative;
  z-index: 1;
}

.fz-hero-main-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.fz-hero-inset-photo {
  position: absolute;
  bottom: -18px;
  left: 0;
  width: 190px;
  height: 130px;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 3px solid #04284d;
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.35);
  z-index: 2;
}

.fz-hero-inset-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.fz-hero-stat-card {
  position: absolute;
  top: 18px;
  left: -18px;
  background: #ffffff;
  border: 1px solid rgba(0, 169, 221, 0.25);
  border-radius: var(--radius-md);
  padding: 13px 16px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 16px 36px rgba(1, 18, 36, 0.25);
  z-index: 3;
}

.fz-hero-stat-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-md);
  background: rgba(0, 169, 221, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.fz-hero-stat-logo {
  width: 26px;
  height: 26px;
  object-fit: contain;
}

.fz-hero-stat-title {
  font-family: var(--font-heading);
  font-size: 14.5px;
  font-weight: 700;
  color: var(--color-dark);
  display: block;
  line-height: 19px;
}

.fz-hero-stat-desc {
  font-family: var(--font-body);
  font-size: 11.5px;
  color: var(--color-dark-muted);
  display: block;
}

/* 2. Split Narrative & Regulatory Matrix Section */
.subpage-split-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
}

.subpage-split-content {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.subpage-split-content p {
  font-size: 15px;
  line-height: 25px;
  color: var(--color-dark-muted);
}

.fz-spec-pill-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin: 10px 0;
}

.fz-spec-pill {
  background: var(--color-light-gray);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 12px 14px;
  display: flex;
  flex-direction: column;
  gap: 3px;
  transition: all var(--transition-fast);
}

.fz-spec-pill:hover {
  border-color: var(--color-blue);
  background: #ffffff;
  box-shadow: 0 4px 12px rgba(4, 40, 77, 0.05);
}

.fz-spec-label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--color-blue-dark);
  letter-spacing: 0.05em;
}

.fz-spec-val {
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 700;
  color: var(--color-dark);
  line-height: 18px;
}

.subpage-split-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 6px;
}

.subpage-split-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  line-height: 21px;
  color: var(--color-dark);
}

.subpage-split-list li svg {
  color: #16a34a;
  flex-shrink: 0;
  margin-top: 3px;
}

.subpage-split-media,
.authority-overview-media,
.overview-image-wrapper {
  position: relative;
  width: 100%;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 16px 40px rgba(4, 40, 77, 0.12);
  border: 1px solid var(--color-border);
}

.subpage-split-media img,
.authority-overview-media img,
.overview-image-wrapper img {
  width: 100%;
  height: 380px;
  object-fit: cover;
  object-position: center;
  display: block;
}

.subpage-split-pill {
  position: absolute;
  bottom: 16px;
  left: 16px;
  background: rgba(1, 18, 36, 0.88);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(57, 198, 244, 0.35);
  border-radius: var(--radius-sm);
  padding: 6px 12px;
  font-size: 12px;
  font-weight: 600;
  color: #ffffff;
}

.subpage-split-stamp {
  position: absolute;
  top: 16px;
  right: 16px;
  background: #ffffff;
  border: 1px solid rgba(0, 169, 221, 0.25);
  border-radius: var(--radius-sm);
  padding: 6px 12px;
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--color-dark);
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.15);
}

.subpage-split-stamp svg {
  color: #16a34a;
}

/* ==========================================================================
   3. Key Strategic Advantages (Bank-Style Split Layout)
   - Left Column: Stacked Advantage Cards Container with Media
   - Right Column: Sticky Authority Overview, Lead & Actions
   ========================================================================== */
.fz-adv-layout {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 64px;
  align-items: flex-start;
}

/* Left Column: Solid Background Container for Stacked Cards */
.fz-adv-cards-col {
  background-color: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 44px;
  box-shadow: 0 4px 24px rgba(4, 40, 77, 0.05);
}

.fz-adv-cards-stack {
  display: flex;
  flex-direction: column;
  gap: 36px;
}

.fz-adv-figma-card {
  display: flex;
  flex-direction: column;
  gap: 20px;
  background: transparent;
}

.fz-adv-card-media {
  width: 100%;
  height: 220px;
  border-radius: var(--radius-md);
  overflow: hidden;
  position: relative;
  background-color: #04284d;
}

.fz-adv-card-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform var(--transition-medium);
}

.fz-adv-figma-card:hover .fz-adv-card-img {
  transform: scale(1.04);
}

.fz-adv-card-badge {
  position: absolute;
  top: 14px;
  left: 14px;
  background: rgba(1, 18, 36, 0.88);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(57, 198, 244, 0.35);
  color: #39C6F4;
  font-family: var(--font-heading);
  font-size: 11.5px;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 4px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  z-index: 1;
}

.fz-adv-card-body {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.fz-adv-card-title {
  font-family: var(--font-heading);
  font-size: 21px;
  font-weight: 700;
  line-height: 28px;
  color: var(--color-dark);
  margin: 0;
}

.fz-adv-card-desc {
  font-family: var(--font-body);
  font-size: 14.5px;
  line-height: 23px;
  color: var(--color-dark-muted);
  margin: 0;
}

.fz-adv-card-highlights {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px 16px;
  margin-top: 6px;
  padding-top: 12px;
  border-top: 1px solid rgba(12, 13, 13, 0.08);
}

.fz-adv-card-highlights li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 12.8px;
  line-height: 18px;
  color: var(--color-dark);
}

.fz-adv-card-highlights li svg {
  color: #16a34a;
  flex-shrink: 0;
  margin-top: 2px;
}

.fz-adv-card-divider {
  height: 1px;
  background-color: var(--color-border);
  width: 100%;
}

/* Right Column: Sticky Advisory Column */
.fz-adv-sticky-col {
  position: -webkit-sticky;
  position: sticky;
  top: 100px;
  align-self: flex-start;
}

.fz-adv-sticky-inner {
  display: flex;
  flex-direction: column;
}

.fz-adv-sticky-inner .tagline {
  margin-bottom: 8px;
}

.fz-adv-sticky-inner .section-title {
  margin-bottom: 18px;
  font-size: 32px;
  line-height: 40px;
  text-align: left;
}

.fz-adv-lead {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 26px;
  color: var(--color-dark-muted);
  margin-bottom: 24px;
}

.fz-adv-highlight-box {
  background: var(--color-blue, #00A9DD);
  border: none;
  border-radius: var(--radius-md, 8px);
  padding: 24px 26px;
  margin-bottom: 28px;
  box-shadow: none;
  color: #ffffff;
}

.fz-adv-highlight-title {
  font-family: var(--font-heading);
  font-size: 15.5px;
  font-weight: 700;
  color: #ffffff;
  margin: 0 0 12px 0;
}

.fz-adv-highlight-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin: 0;
  padding: 0;
}

.fz-adv-highlight-list li {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 13px;
  line-height: 18px;
  color: rgba(255, 255, 255, 0.95);
}

.fz-adv-highlight-list li svg {
  color: #ffffff;
  flex-shrink: 0;
  margin-top: 2px;
  width: 14px;
  height: 14px;
}

.fz-adv-actions {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

/* 4. Section Editorial Lead & Callout Box */
.section-editorial-lead {
  font-family: var(--font-body);
  font-size: 15.5px;
  line-height: 26px;
  color: var(--color-dark-muted);
  max-width: 820px;
  margin: 0 auto 32px auto;
  text-align: center;
}

.fz-info-callout {
  background: #ffffff;
  border-left: 4px solid var(--color-blue);
  border: 1px solid var(--color-border);
  border-left-width: 4px;
  border-radius: var(--radius-md);
  padding: 18px 22px;
  margin-top: 28px;
  display: flex;
  align-items: flex-start;
  gap: 14px;
  box-shadow: 0 4px 16px rgba(4, 40, 77, 0.04);
}

.fz-info-callout svg {
  color: var(--color-blue);
  flex-shrink: 0;
  margin-top: 2px;
}

.fz-info-callout-text {
  font-size: 14px;
  line-height: 22px;
  color: var(--color-dark);
}

/* 5. Activity Categories Grid (Clean Human-Designed with Bottom-Right Blue Corner Icon) */
.fz-activities-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 24px;
}

.fz-activity-card {
  position: relative;
  overflow: hidden;
  flex: 0 1 calc(33.333% - 16px);
  width: calc(33.333% - 16px);
  max-width: calc(33.333% - 16px);
  background: #ffffff;
  border: 1px solid rgba(12, 13, 13, 0.10);
  border-radius: var(--radius-md);
  padding: 24px 22px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: all var(--transition-fast);
  box-shadow: 0 2px 8px rgba(4, 40, 77, 0.03);
}

.fz-activity-card:hover {
  transform: translateY(-3px);
  border-color: var(--color-blue);
  box-shadow: 0 10px 24px rgba(4, 40, 77, 0.08);
}

.fz-activity-title,
.fz-activity-desc,
.fz-activity-bullets {
  position: relative;
  z-index: 2;
}

.fz-activity-title {
  font-family: var(--font-heading);
  font-size: 17.5px;
  font-weight: 700;
  color: var(--color-dark);
  line-height: 24px;
  margin: 0;
}

.fz-activity-desc {
  font-family: var(--font-body);
  font-size: 13.5px;
  line-height: 21px;
  color: var(--color-dark-muted);
  margin: 0;
}

.fz-activity-bullets {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 7px;
  margin-top: auto;
  padding-top: 12px;
  padding-right: 70px;
  border-top: 1px solid rgba(12, 13, 13, 0.06);
}

.fz-activity-bullets li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 12.5px;
  line-height: 17px;
  color: var(--color-dark);
}

.fz-activity-bullets li svg {
  color: #16a34a;
  flex-shrink: 0;
  margin-top: 2px;
  width: 13px;
  height: 13px;
}

.fz-activity-icon-br {
  position: absolute;
  bottom: 0;
  right: 0;
  width: 68px;
  height: 68px;
  border-top-left-radius: 22px;
  background: var(--color-blue);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 2;
}

.fz-activity-icon-br svg {
  width: 34px;
  height: 34px;
  stroke: #ffffff;
}

/* ==========================================================================
   Activity Cards Cascading Deal Animation
   ========================================================================== */
@media (min-width: 1025px) {
  .js-card-cascade .fz-activity-card {
    opacity: 0;
    pointer-events: none;
  }

  /* Card 1: Anchor card visible initially */
  .js-card-cascade .fz-activity-card:nth-child(1) {
    z-index: 6;
    opacity: 1;
    pointer-events: auto;
  }

  /* Initial offsets before animation triggers */
  .js-card-cascade:not(.is-animated) .fz-activity-card:nth-child(2) {
    transform: translate3d(calc(-100% - 24px), 0, 0);
    z-index: 5;
  }
  .js-card-cascade:not(.is-animated) .fz-activity-card:nth-child(3) {
    transform: translate3d(calc(-100% - 24px), 0, 0);
    z-index: 4;
  }
  .js-card-cascade:not(.is-animated) .fz-activity-card:nth-child(4) {
    transform: translate3d(0, calc(-100% - 24px), 0);
    z-index: 3;
  }
  .js-card-cascade:not(.is-animated) .fz-activity-card:nth-child(5) {
    transform: translate3d(calc(-100% - 24px), 0, 0);
    z-index: 2;
  }
  .js-card-cascade:not(.is-animated) .fz-activity-card:nth-child(6) {
    transform: translate3d(calc(-100% - 24px), 0, 0);
    z-index: 1;
  }

  /* Keyframe animations */
  @keyframes fzCardPopIn {
    0% {
      opacity: 0;
      transform: scale(0.92) translateY(16px);
    }
    100% {
      opacity: 1;
      transform: translate3d(0, 0, 0);
    }
  }

  @keyframes fzCardSlideFromLeft {
    0% {
      opacity: 0;
      transform: translate3d(calc(-100% - 24px), 0, 0);
    }
    20% {
      opacity: 1;
    }
    100% {
      opacity: 1;
      transform: translate3d(0, 0, 0);
    }
  }

  @keyframes fzCardSlideFromAbove {
    0% {
      opacity: 0;
      transform: translate3d(0, calc(-100% - 24px), 0);
    }
    20% {
      opacity: 1;
    }
    100% {
      opacity: 1;
      transform: translate3d(0, 0, 0);
    }
  }

  /* Triggered Sequence */
  .js-card-cascade.is-animated .fz-activity-card:nth-child(1) {
    animation: fzCardPopIn 0.5s cubic-bezier(0.16, 1, 0.3, 1) forwards;
    pointer-events: auto;
  }

  .js-card-cascade.is-animated .fz-activity-card:nth-child(2) {
    animation: fzCardSlideFromLeft 0.65s cubic-bezier(0.16, 1, 0.3, 1) 0.35s forwards;
    pointer-events: auto;
  }

  .js-card-cascade.is-animated .fz-activity-card:nth-child(3) {
    animation: fzCardSlideFromLeft 0.65s cubic-bezier(0.16, 1, 0.3, 1) 0.85s forwards;
    pointer-events: auto;
  }

  .js-card-cascade.is-animated .fz-activity-card:nth-child(4) {
    animation: fzCardSlideFromAbove 0.65s cubic-bezier(0.16, 1, 0.3, 1) 1.35s forwards;
    pointer-events: auto;
  }

  .js-card-cascade.is-animated .fz-activity-card:nth-child(5) {
    animation: fzCardSlideFromLeft 0.65s cubic-bezier(0.16, 1, 0.3, 1) 1.85s forwards;
    pointer-events: auto;
  }

  .js-card-cascade.is-animated .fz-activity-card:nth-child(6) {
    animation: fzCardSlideFromLeft 0.65s cubic-bezier(0.16, 1, 0.3, 1) 2.35s forwards;
    pointer-events: auto;
  }
}

/* Tablet & Mobile Fallback Animation */
@media (max-width: 1024px) {
  .js-card-cascade:not(.is-animated) .fz-activity-card {
    transform: translateY(20px);
    opacity: 0;
  }
  .js-card-cascade .fz-activity-card:nth-child(1) {
    opacity: 1;
    transform: none;
  }
  @keyframes fzCardMobileFadeUp {
    0% { opacity: 0; transform: translateY(20px); }
    100% { opacity: 1; transform: translateY(0); }
  }
  .js-card-cascade.is-animated .fz-activity-card:nth-child(1) { animation: fzCardMobileFadeUp 0.5s ease forwards; }
  .js-card-cascade.is-animated .fz-activity-card:nth-child(2) { animation: fzCardMobileFadeUp 0.5s ease 0.2s forwards; }
  .js-card-cascade.is-animated .fz-activity-card:nth-child(3) { animation: fzCardMobileFadeUp 0.5s ease 0.4s forwards; }
  .js-card-cascade.is-animated .fz-activity-card:nth-child(4) { animation: fzCardMobileFadeUp 0.5s ease 0.6s forwards; }
  .js-card-cascade.is-animated .fz-activity-card:nth-child(5) { animation: fzCardMobileFadeUp 0.5s ease 0.8s forwards; }
  .js-card-cascade.is-animated .fz-activity-card:nth-child(6) { animation: fzCardMobileFadeUp 0.5s ease 1.0s forwards; }
}

/* Post-Animation Full Rest State */
.js-card-cascade.anim-complete .fz-activity-card {
  opacity: 1 !important;
  transform: none !important;
  animation: none !important;
  pointer-events: auto !important;
  z-index: 1 !important;
}

.js-card-cascade.anim-complete .fz-activity-card:hover {
  transform: translateY(-3px) !important;
  border-color: var(--color-blue) !important;
  box-shadow: 0 10px 24px rgba(4, 40, 77, 0.08) !important;
}

@media (prefers-reduced-motion: reduce) {
  .js-card-cascade .fz-activity-card {
    opacity: 1 !important;
    transform: none !important;
    animation: none !important;
    pointer-events: auto !important;
  }
}






















/* 6. Workspace Solutions Architecture (Human-Designed) */
.fz-workspace-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: center;
}

.fz-workspace-card {
  background: #ffffff;
  border: 1px solid rgba(12, 13, 13, 0.10);
  border-radius: var(--radius-md);
  padding: 36px 24px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  min-height: 480px;
  transition: all 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
  box-shadow: 0 2px 8px rgba(4, 40, 77, 0.04);
}

.fz-workspace-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 10px;
}

.fz-workspace-title {
  font-family: var(--font-heading);
  font-size: 18.5px;
  font-weight: 700;
  color: var(--color-dark);
  line-height: 25px;
  margin: 0;
  transition: color 0.3s ease;
}

.fz-workspace-pill {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 4px 9px;
  border-radius: 4px;
  background: rgba(0, 169, 221, 0.08);
  color: var(--color-blue-dark);
  white-space: nowrap;
  transition: all 0.3s ease;
}

.fz-workspace-quota-hero {
  background: rgba(0, 169, 221, 0.10);
  border: 1px solid rgba(0, 169, 221, 0.22);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  transition: all 0.3s ease;
}

.fz-quota-hero-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.fz-quota-hero-label {
  font-family: var(--font-heading);
  font-size: 11px;
  font-weight: 700;
  color: var(--color-blue-dark);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  transition: color 0.3s ease;
}

.fz-quota-hero-number {
  display: flex;
  align-items: baseline;
  gap: 6px;
}

.fz-quota-val-lg {
  font-family: var(--font-heading);
  font-size: 28px;
  font-weight: 800;
  color: var(--color-dark);
  line-height: 34px;
  letter-spacing: -0.02em;
  transition: color 0.3s ease;
}

.fz-quota-unit {
  font-family: var(--font-heading);
  font-size: 13.5px;
  font-weight: 700;
  color: var(--color-dark-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  transition: color 0.3s ease;
}

.fz-workspace-desc {
  font-family: var(--font-body);
  font-size: 13.5px;
  line-height: 22px;
  color: var(--color-dark-muted);
  margin: 0;
  transition: color 0.3s ease;
}

.fz-workspace-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 4px;
  padding-top: 14px;
  border-top: 1px solid rgba(12, 13, 13, 0.06);
  transition: border-color 0.3s ease;
}

.fz-workspace-list li {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 12.5px;
  line-height: 18px;
  color: var(--color-dark);
  transition: color 0.3s ease;
}

.fz-workspace-list li svg {
  color: #16a34a;
  flex-shrink: 0;
  margin-top: 2px;
  width: 13px;
  height: 13px;
  transition: color 0.3s ease, stroke 0.3s ease;
}

/* Default Middle Card Active State: Solid Brand Blue & Longer */
.fz-workspace-card:nth-child(2) {
  background: #00A9DD !important;
  background-color: #00A9DD !important;
  border: 1px solid rgba(12, 13, 13, 0.10);
  padding: 48px 24px;
  min-height: 520px;
  box-shadow: 0 2px 8px rgba(4, 40, 77, 0.04);
}

.fz-workspace-card:nth-child(2) .fz-workspace-title {
  color: #ffffff;
}

.fz-workspace-card:nth-child(2) .fz-workspace-pill {
  background: rgba(255, 255, 255, 0.22);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.35);
}

.fz-workspace-card:nth-child(2) .fz-workspace-quota-hero {
  background: #ffffff !important;
  border-color: #ffffff !important;
  box-shadow: 0 4px 12px rgba(4, 40, 77, 0.08);
}

.fz-workspace-card:nth-child(2) .fz-quota-hero-label {
  color: var(--color-blue) !important;
}

.fz-workspace-card:nth-child(2) .fz-quota-val-lg {
  color: var(--color-navy) !important;
}

.fz-workspace-card:nth-child(2) .fz-quota-unit {
  color: var(--color-dark-muted) !important;
}

.fz-workspace-card:nth-child(2) .fz-workspace-desc {
  color: rgba(255, 255, 255, 0.95);
}

.fz-workspace-card:nth-child(2) .fz-workspace-list {
  border-top: 1px solid rgba(255, 255, 255, 0.25);
}

.fz-workspace-card:nth-child(2) .fz-workspace-list li {
  color: #ffffff;
}

.fz-workspace-card:nth-child(2) .fz-workspace-list li svg {
  color: #ffffff;
  stroke: #ffffff;
}

/* Dynamic Hover on ANY Card: Turns Solid Brand Blue & Expands Vertically */
.fz-workspace-card:hover {
  background: #00A9DD !important;
  background-color: #00A9DD !important;
  padding: 48px 24px !important;
  min-height: 520px !important;
  border-color: rgba(12, 13, 13, 0.10) !important;
  box-shadow: 0 4px 14px rgba(4, 40, 77, 0.08) !important;
  transform: translateY(-2px);
}

.fz-workspace-card:hover .fz-workspace-title {
  color: #ffffff !important;
}

.fz-workspace-card:hover .fz-workspace-pill {
  background: rgba(255, 255, 255, 0.22) !important;
  color: #ffffff !important;
  border: 1px solid rgba(255, 255, 255, 0.35) !important;
}

.fz-workspace-card:hover .fz-workspace-quota-hero {
  background: #ffffff !important;
  border-color: #ffffff !important;
  box-shadow: 0 4px 12px rgba(4, 40, 77, 0.08);
}

.fz-workspace-card:hover .fz-quota-hero-label {
  color: var(--color-blue) !important;
}

.fz-workspace-card:hover .fz-quota-val-lg {
  color: var(--color-navy) !important;
}

.fz-workspace-card:hover .fz-quota-unit {
  color: var(--color-dark-muted) !important;
}

.fz-workspace-card:hover .fz-workspace-desc {
  color: rgba(255, 255, 255, 0.95) !important;
}

.fz-workspace-card:hover .fz-workspace-list {
  border-top: 1px solid rgba(255, 255, 255, 0.25) !important;
}

.fz-workspace-card:hover .fz-workspace-list li {
  color: #ffffff !important;
}

.fz-workspace-card:hover .fz-workspace-list li svg {
  color: #ffffff !important;
  stroke: #ffffff !important;
}

/* Middle Card Resets to Normal White when Hovering Side Cards */
.fz-workspace-grid:has(.fz-workspace-card:not(:nth-child(2)):hover) .fz-workspace-card:nth-child(2),
.fz-workspace-card:nth-child(2).is-reset {
  background: #ffffff !important;
  border: 1px solid rgba(12, 13, 13, 0.10) !important;
  padding: 36px 24px !important;
  min-height: 480px !important;
  box-shadow: 0 2px 8px rgba(4, 40, 77, 0.04) !important;
  transform: none !important;
}

.fz-workspace-grid:has(.fz-workspace-card:not(:nth-child(2)):hover) .fz-workspace-card:nth-child(2) .fz-workspace-title,
.fz-workspace-card:nth-child(2).is-reset .fz-workspace-title {
  color: var(--color-dark) !important;
}

.fz-workspace-grid:has(.fz-workspace-card:not(:nth-child(2)):hover) .fz-workspace-card:nth-child(2) .fz-workspace-pill,
.fz-workspace-card:nth-child(2).is-reset .fz-workspace-pill {
  background: rgba(0, 169, 221, 0.08) !important;
  color: var(--color-blue-dark) !important;
  border: none !important;
}

.fz-workspace-grid:has(.fz-workspace-card:not(:nth-child(2)):hover) .fz-workspace-card:nth-child(2) .fz-workspace-quota-hero,
.fz-workspace-card:nth-child(2).is-reset .fz-workspace-quota-hero {
  background: rgba(0, 169, 221, 0.10) !important;
  border-color: rgba(0, 169, 221, 0.22) !important;
  box-shadow: none !important;
}

.fz-workspace-grid:has(.fz-workspace-card:not(:nth-child(2)):hover) .fz-workspace-card:nth-child(2) .fz-quota-hero-label,
.fz-workspace-card:nth-child(2).is-reset .fz-quota-hero-label {
  color: var(--color-blue-dark) !important;
}

.fz-workspace-grid:has(.fz-workspace-card:not(:nth-child(2)):hover) .fz-workspace-card:nth-child(2) .fz-quota-val-lg,
.fz-workspace-card:nth-child(2).is-reset .fz-quota-val-lg {
  color: var(--color-dark) !important;
}

.fz-workspace-grid:has(.fz-workspace-card:not(:nth-child(2)):hover) .fz-workspace-card:nth-child(2) .fz-quota-unit,
.fz-workspace-card:nth-child(2).is-reset .fz-quota-unit {
  color: var(--color-dark-muted) !important;
}

.fz-workspace-grid:has(.fz-workspace-card:not(:nth-child(2)):hover) .fz-workspace-card:nth-child(2) .fz-workspace-desc,
.fz-workspace-card:nth-child(2).is-reset .fz-workspace-desc {
  color: var(--color-dark-muted) !important;
}

.fz-workspace-grid:has(.fz-workspace-card:not(:nth-child(2)):hover) .fz-workspace-card:nth-child(2) .fz-workspace-list,
.fz-workspace-card:nth-child(2).is-reset .fz-workspace-list {
  border-top: 1px solid rgba(12, 13, 13, 0.06) !important;
}

.fz-workspace-grid:has(.fz-workspace-card:not(:nth-child(2)):hover) .fz-workspace-card:nth-child(2) .fz-workspace-list li,
.fz-workspace-card:nth-child(2).is-reset .fz-workspace-list li {
  color: var(--color-dark) !important;
}

.fz-workspace-grid:has(.fz-workspace-card:not(:nth-child(2)):hover) .fz-workspace-card:nth-child(2) .fz-workspace-list li svg,
.fz-workspace-card:nth-child(2).is-reset .fz-workspace-list li svg {
  color: #16a34a !important;
  stroke: #16a34a !important;
}

@media (max-width: 960px) {
  .fz-workspace-grid {
    grid-template-columns: 1fr !important;
    gap: 20px;
  }

  .fz-workspace-card,
  .fz-workspace-card:nth-child(2),
  .fz-workspace-card:hover {
    min-height: auto !important;
    padding: 28px 22px !important;
    transform: none !important;
  }
}

/* 7. Free-Form Organic Residency Roadmap Flow (Wider Lateral Spread) */
.fz-visa-organic-flow {
  max-width: 1100px;
  margin: 54px auto 0 auto;
  display: flex;
  flex-direction: column;
  position: relative;
}

.fz-visa-flow-item {
  width: 410px;
  position: relative;
  transition: all var(--transition-fast);
}

/* Staggered positioning: Odd on Left, Even on Right */
.fz-visa-flow-item:nth-child(odd) {
  align-self: flex-start;
  margin-right: auto;
}

.fz-visa-flow-item:nth-child(even) {
  align-self: flex-end;
  margin-left: auto;
}

@media (min-width: 901px) {
  .fz-visa-flow-item:not(:first-child) {
    margin-top: -30px;
  }
}

.fz-visa-step-card {
  background: #ffffff;
  border: 1px solid rgba(12, 13, 13, 0.10);
  border-radius: var(--radius-md);
  padding: 30px 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  position: relative;
  transition: all var(--transition-fast);
  box-shadow: 0 2px 10px rgba(4, 40, 77, 0.04);
}

.fz-visa-flow-item:hover .fz-visa-step-card {
  transform: translateY(-4px);
  border-color: var(--color-blue);
  box-shadow: 0 16px 36px rgba(4, 40, 77, 0.09);
}

.fz-visa-step-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(12, 13, 13, 0.06);
}

.fz-visa-step-badge {
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 800;
  color: var(--color-blue);
  background: transparent;
  padding: 0;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.fz-visa-step-time {
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 700;
  color: var(--color-dark-muted);
  background: transparent;
  padding: 0;
}

.fz-visa-step-title {
  font-family: var(--font-heading);
  font-size: 24px;
  font-weight: 700;
  color: var(--color-dark);
  line-height: 32px;
  margin: 0;
}

.fz-visa-step-desc {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 25px;
  color: var(--color-dark-muted);
  margin: 0;
}

/* Curved Arrow Connecting Flow with Tail-to-Head Draw Animation (No Glow) */
.fz-visa-flow-arrow {
  display: none;
}

@keyframes fzArrowDraw {
  0% {
    -webkit-mask-position: 100% 100%;
    mask-position: 100% 100%;
    opacity: 0.15;
  }
  15% {
    opacity: 1;
  }
  50% {
    -webkit-mask-position: 0% 0%;
    mask-position: 0% 0%;
    opacity: 1;
  }
  85% {
    -webkit-mask-position: 0% 0%;
    mask-position: 0% 0%;
    opacity: 0.95;
  }
  100% {
    -webkit-mask-position: 100% 100%;
    mask-position: 100% 100%;
    opacity: 0.15;
  }
}

.fz-visa-flow-arrow svg {
  width: 100%;
  height: 100%;
  display: block;
  -webkit-mask-image: linear-gradient(135deg, #000 50%, rgba(0, 0, 0, 0.3) 55%, transparent 65%);
  mask-image: linear-gradient(135deg, #000 50%, rgba(0, 0, 0, 0.3) 55%, transparent 65%);
  -webkit-mask-size: 300% 300%;
  mask-size: 300% 300%;
  -webkit-mask-position: 100% 100%;
  mask-position: 100% 100%;
}

@media (min-width: 901px) {
  .fz-visa-flow-arrow {
    display: block;
    position: absolute;
    color: var(--color-blue);
    z-index: 5;
    pointer-events: none;
    transition: transform var(--transition-fast), opacity var(--transition-fast);
  }

  /* First Arrow (Card 1 -> Card 2): Mirrored Vertically & Shifted Right */
  .fz-visa-flow-item:nth-child(1) .fz-visa-flow-arrow {
    width: 175px;
    height: 130px;
    top: 22%;
    right: -235px;
    transform: scaleY(-1) rotate(-50deg) scaleX(1.35);
  }

  .fz-visa-flow-item:nth-child(1) .fz-visa-flow-arrow svg {
    animation: fzArrowDraw 3.6s cubic-bezier(0.4, 0, 0.2, 1) infinite;
  }

  /* Second Arrow (Card 2 -> Card 3): Shifted Left by 40px */
  .fz-visa-flow-item:nth-child(2) .fz-visa-flow-arrow {
    width: 160px;
    height: 130px;
    top: calc(25% + 90px);
    left: -225px;
    transform: scaleX(-1) rotate(-10deg) scale(1.12);
  }

  .fz-visa-flow-item:nth-child(2) .fz-visa-flow-arrow svg {
    animation: fzArrowDraw 3.6s cubic-bezier(0.4, 0, 0.2, 1) 1.2s infinite;
  }

  /* Third Arrow (Card 3 -> Card 4): Increased Length */
  .fz-visa-flow-item:nth-child(3) .fz-visa-flow-arrow {
    width: 205px;
    height: 135px;
    top: auto;
    bottom: -125px;
    right: -160px;
    transform: rotate(-20deg) scaleX(1.4);
  }

  .fz-visa-flow-item:nth-child(3) .fz-visa-flow-arrow svg {
    animation: fzArrowDraw 3.6s cubic-bezier(0.4, 0, 0.2, 1) 2.4s infinite;
  }

  .fz-visa-flow-item:hover .fz-visa-flow-arrow svg {
    -webkit-mask-position: 0% 0% !important;
    mask-position: 0% 0% !important;
    opacity: 1 !important;
  }
}

@media (max-width: 900px) {
  .fz-visa-organic-flow {
    margin-top: 28px;
    gap: 16px;
  }

  .fz-visa-flow-item {
    width: 100% !important;
    max-width: 100% !important;
    align-self: stretch !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
    margin-top: 0 !important;
    margin-bottom: 16px !important;
  }

  /* ALL FLOW & STEP ARROWS HIDDEN ON MOBILE */
  .fz-visa-flow-arrow,
  .fz-visa-step-arrow,
  .fz-step-arrow,
  .fz-flow-arrow {
    display: none !important;
  }

  .fz-visa-step-card {
    padding: 22px 20px;
    gap: 10px;
  }

  .fz-visa-step-title {
    font-size: 20px;
    line-height: 27px;
  }

  .fz-visa-step-desc {
    font-size: 14px;
    line-height: 22px;
  }
}

/* ==========================================================================
   7. Corporate Treasury & Banking Considerations (Asymmetric Split)
   ========================================================================== */
.fz-banking-split {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 32px;
  align-items: start;
  margin-top: 36px;
}

/* Left Column: Sticky Advisory Hub (Solid Brand Blue - Simple & Human-Designed) */
.fz-banking-advisory-sidebar {
  background: var(--color-blue, #00A9DD);
  color: #ffffff;
  border-radius: var(--radius-lg, 12px);
  padding: 36px 30px;
  border: none;
  position: sticky;
  top: 96px;
  box-shadow: none;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.fz-advisory-badge {
  font-family: var(--font-heading);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.88);
  background: transparent;
  border: none;
  padding: 0;
  margin: 0;
  display: inline-block;
}

.fz-advisory-title {
  font-family: var(--font-heading);
  font-size: 22px;
  font-weight: 700;
  color: #ffffff;
  line-height: 28px;
  margin: 0;
}

.fz-advisory-intro {
  font-family: var(--font-body);
  font-size: 14px;
  line-height: 22px;
  color: rgba(255, 255, 255, 0.92);
  margin: 0;
}

.fz-advisory-divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.20);
  margin: 0;
}

.fz-advisory-checklist-wrap {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.fz-advisory-checklist-title {
  font-family: var(--font-heading);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.80);
}

.fz-advisory-checklist {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.fz-advisory-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 13.5px;
  line-height: 19px;
  color: #ffffff;
}

.fz-advisory-checklist li svg {
  color: #ffffff;
  flex-shrink: 0;
  margin-top: 2px;
}

.fz-advisory-callout {
  background: transparent;
  border: none;
  border-top: 1px solid rgba(255, 255, 255, 0.20);
  border-radius: 0;
  padding: 16px 0 0 0;
  margin-top: auto;
  box-shadow: none;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.fz-advisory-callout-icon {
  color: #ffffff;
  flex-shrink: 0;
  margin-top: 2px;
}

.fz-advisory-callout-content {
  font-family: var(--font-body);
  font-size: 12.5px;
  line-height: 19px;
  color: rgba(255, 255, 255, 0.90);
}

.fz-advisory-callout-content strong {
  color: #ffffff;
  font-weight: 700;
}

/* Right Column: Horizontal Pathway Cards Stack */
.fz-banking-stack,
.fz-banking-cards-stack {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.fz-banking-hcard {
  background: #ffffff;
  border: 1px solid rgba(12, 13, 13, 0.09);
  border-radius: var(--radius-lg, 12px);
  padding: 30px 28px;
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 30px;
  align-items: stretch;
  box-shadow: 0 2px 8px rgba(4, 40, 77, 0.03);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
  margin-bottom: 16px;
}

.fz-banking-stack .fz-banking-hcard:last-child,
.fz-banking-cards-stack .fz-banking-hcard:last-child {
  margin-bottom: 0;
}

.fz-banking-hcard:hover {
  transform: translateY(-3px);
  border-color: var(--color-blue);
  box-shadow: 0 14px 32px rgba(0, 169, 221, 0.10);
}

.fz-hcard-left {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding-right: 20px;
  border-right: 1px solid rgba(12, 13, 13, 0.08);
  height: 100%;
}

.fz-hcard-header-row {
  display: flex;
  align-items: center;
  gap: 10px;
}

.fz-hcard-tier {
  font-family: var(--font-heading);
  font-size: 10.5px;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--color-dark-muted);
}

.fz-banking-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md, 8px);
  background: rgba(0, 169, 221, 0.10);
  color: var(--color-blue-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.fz-banking-title {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 700;
  color: var(--color-dark);
  line-height: 26px;
  margin: 0;
}

.fz-banking-turnaround-box {
  background: #f8fafc;
  border: 1px solid rgba(12, 13, 13, 0.08);
  border-radius: var(--radius-md, 8px);
  padding: 10px 14px;
  display: flex;
  flex-direction: column;
  gap: 3px;
  margin-top: auto;
}

.fz-turnaround-label {
  font-family: var(--font-heading);
  font-size: 10.5px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-blue);
  display: flex;
  align-items: center;
  gap: 5px;
}

.fz-turnaround-val {
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 700;
  color: var(--color-dark, #0c0d0d);
  line-height: 19px;
}

.fz-hcard-right {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.fz-banking-desc {
  font-family: var(--font-body);
  font-size: 14.5px;
  line-height: 23px;
  color: var(--color-dark-muted);
  margin: 0;
}

.fz-banking-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px 18px;
  padding-top: 14px;
  border-top: 1px solid rgba(12, 13, 13, 0.07);
}

.fz-banking-list li {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 13px;
  line-height: 19px;
  color: var(--color-dark);
}

.fz-banking-list li svg {
  color: var(--color-blue);
  flex-shrink: 0;
  margin-top: 2px;
}

@media (max-width: 1100px) {
  .fz-banking-split {
    grid-template-columns: 320px 1fr;
    gap: 24px;
  }
  
  .fz-banking-hcard {
    grid-template-columns: 200px 1fr;
    gap: 20px;
    padding: 24px 20px;
  }

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

@media (max-width: 900px) {
  .fz-banking-split {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .fz-banking-advisory-sidebar {
    position: static;
    top: auto;
  }

  .fz-banking-hcard {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .fz-hcard-left {
    padding-right: 0;
    border-right: none;
    border-bottom: 1px solid rgba(12, 13, 13, 0.08);
    padding-bottom: 14px;
  }

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

/* ==========================================================================
   8. KYC Document Checklist (Asymmetric Split Compliance Hub)
   ========================================================================== */
.fz-checklist-split {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 32px;
  align-items: start;
  margin-top: 36px;
}

/* Left Column: Sticky Attestation Hub (Solid Brand Blue Card - Simple & Clean) */
.fz-checklist-sidebar {
  background: var(--color-blue, #00A9DD);
  color: #ffffff;
  border-radius: var(--radius-lg, 12px);
  padding: 36px 30px;
  border: none;
  position: sticky;
  top: 96px;
  box-shadow: none;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.fz-checklist-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-heading);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.88);
  background: transparent;
  border: none;
  padding: 0;
  margin: 0;
  align-self: flex-start;
}

.fz-checklist-badge svg {
  color: rgba(255, 255, 255, 0.88);
  width: 14px;
  height: 14px;
}

.fz-checklist-sidebar-title {
  font-family: var(--font-heading);
  font-size: 22px;
  font-weight: 700;
  color: #ffffff;
  line-height: 28px;
  margin: 0;
}

.fz-checklist-sidebar-intro {
  font-family: var(--font-body);
  font-size: 14px;
  line-height: 22px;
  color: rgba(255, 255, 255, 0.92);
  margin: 0;
}

.fz-checklist-divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.20);
  margin: 0;
}

.fz-pipeline-wrap {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.fz-pipeline-heading {
  font-family: var(--font-heading);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.80);
}

.fz-pipeline-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.fz-pipeline-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: transparent;
  border: none;
  border-radius: 0;
  padding: 0;
}

.fz-pipeline-num {
  width: 22px;
  height: 22px;
  border-radius: 4px;
  background: rgba(255, 255, 255, 0.20);
  border: none;
  color: #ffffff;
  font-family: var(--font-heading);
  font-size: 11.5px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}

.fz-pipeline-info {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.fz-pipeline-info strong {
  color: #ffffff;
  font-family: var(--font-heading);
  font-size: 13.5px;
  font-weight: 700;
  line-height: 18px;
}

.fz-pipeline-info span {
  color: rgba(255, 255, 255, 0.88);
  font-family: var(--font-body);
  font-size: 12.5px;
  line-height: 17px;
}

.fz-checklist-callout {
  background: transparent;
  border: none;
  border-top: 1px solid rgba(255, 255, 255, 0.20);
  border-radius: 0;
  padding: 16px 0 0 0;
  margin-top: auto;
  box-shadow: none;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.fz-checklist-callout-icon {
  color: #ffffff;
  flex-shrink: 0;
  margin-top: 2px;
}

.fz-checklist-callout-content {
  font-family: var(--font-body);
  font-size: 12.5px;
  line-height: 19px;
  color: rgba(255, 255, 255, 0.90);
}

.fz-checklist-callout-content strong {
  color: #ffffff;
  font-weight: 700;
}

/* Right Column: Horizontal Document Cards Stack */
.fz-checklist-stack {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.fz-doc-hcard {
  background: #ffffff;
  border: 1px solid rgba(12, 13, 13, 0.09);
  border-radius: var(--radius-lg, 12px);
  padding: 28px 26px;
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 28px;
  align-items: stretch;
  box-shadow: 0 2px 8px rgba(4, 40, 77, 0.03);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
}

.fz-doc-hcard:hover {
  transform: translateY(-3px);
  border-color: var(--color-blue);
  box-shadow: 0 14px 32px rgba(0, 169, 221, 0.10);
}

.fz-doc-left {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding-right: 20px;
  border-right: 1px solid rgba(12, 13, 13, 0.08);
  height: 100%;
}

.fz-doc-header-row {
  display: flex;
  align-items: center;
  gap: 10px;
}

.fz-doc-tier {
  font-family: var(--font-heading);
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--color-dark-muted);
}

.fz-doc-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md, 8px);
  background: rgba(0, 169, 221, 0.10);
  color: var(--color-blue-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.fz-doc-title {
  font-family: var(--font-heading);
  font-size: 19px;
  font-weight: 700;
  color: var(--color-dark);
  line-height: 25px;
  margin: 0;
}

.fz-doc-spec-box {
  background: transparent;
  border: none;
  border-top: 1px solid rgba(12, 13, 13, 0.08);
  border-radius: 0;
  padding: 10px 0 0 0;
  display: flex;
  flex-direction: column;
  gap: 2px;
  margin-top: auto;
}

.fz-doc-spec-label {
  font-family: var(--font-heading);
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-blue);
  display: flex;
  align-items: center;
  gap: 5px;
}

.fz-doc-spec-val {
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 700;
  color: var(--color-dark, #0c0d0d);
  line-height: 18px;
}

.fz-doc-right {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.fz-doc-desc {
  font-family: var(--font-body);
  font-size: 14px;
  line-height: 22px;
  color: var(--color-dark-muted);
  margin: 0;
}

.fz-doc-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px 18px;
  padding-top: 14px;
  border-top: 1px solid rgba(12, 13, 13, 0.07);
}

.fz-doc-list li {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 13px;
  line-height: 19px;
  color: var(--color-dark);
}

.fz-doc-list li svg {
  color: var(--color-blue);
  flex-shrink: 0;
  margin-top: 2px;
}

@media (max-width: 1100px) {
  .fz-checklist-split {
    grid-template-columns: 1fr 320px;
    gap: 24px;
  }

  .fz-doc-hcard {
    grid-template-columns: 200px 1fr;
    gap: 20px;
    padding: 24px 20px;
  }

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

@media (max-width: 900px) {
  .fz-checklist-split {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .fz-checklist-sidebar {
    position: static;
    top: auto;
  }

  .fz-doc-hcard {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .fz-doc-left {
    padding-right: 0;
    border-right: none;
    border-bottom: 1px solid rgba(12, 13, 13, 0.08);
    padding-bottom: 14px;
  }

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

/* ==========================================================================
   9. Execution Lifecycle Stepper (Interactive Expandable Hero Cards)
   ========================================================================== */
.phase-stepper-grid {
  display: flex;
  gap: 24px;
  align-items: stretch;
  position: relative;
}

.phase-card {
  flex: 1;
  min-width: 0;
  min-height: 420px;
  position: relative;
  border-radius: 0;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  border: 1px solid rgba(255, 255, 255, 0.14);
  box-shadow: 0 10px 30px rgba(4, 40, 77, 0.08);
  cursor: pointer;
  background-color: #04284d;
  transition: flex 0.55s cubic-bezier(0.16, 1, 0.3, 1),
              transform 0.45s cubic-bezier(0.16, 1, 0.3, 1),
              box-shadow 0.45s cubic-bezier(0.16, 1, 0.3, 1),
              border-color 0.35s ease;
}

/* Background image & gradient overlay */
.phase-card-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  background-size: cover;
  background-position: center;
  z-index: 0;
  transition: transform 0.65s cubic-bezier(0.16, 1, 0.3, 1);
}

.phase-card-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(12, 13, 13, 0.40) 0%, rgba(4, 40, 77, 0.85) 50%, rgba(4, 25, 48, 0.98) 100%);
  transition: background 0.45s ease;
  z-index: 1;
}

/* Content layer */
.phase-card-content {
  position: relative;
  z-index: 2;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  height: 100%;
  justify-content: space-between;
  gap: 16px;
}

/* Top header: HIDDEN in default state, REVEALED on hover at the top (with horizontal line below) */
.phase-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.18);
  opacity: 0;
  transform: translateY(-8px);
  pointer-events: none;
  transition: opacity 0.35s ease,
              transform 0.45s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Bottom default meta: VISIBLE in default state (with horizontal line between heading and badges) */
.phase-card-meta-default {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  opacity: 1;
  max-height: 50px;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
  transform: translateY(0);
  transition: opacity 0.3s ease,
              max-height 0.35s ease,
              margin-top 0.35s ease,
              padding-top 0.35s ease,
              border-top-color 0.3s ease,
              transform 0.35s ease;
}

.phase-badge {
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 800;
  color: var(--color-blue, #00A9DD);
  background: transparent;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0;
  border-radius: 0;
  box-shadow: none;
}

.phase-timeline {
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.88);
  background: transparent;
  backdrop-filter: none;
  -webkit-backdrop-filter: none;
  border: none;
  padding: 0;
  border-radius: 0;
}

.phase-card-bottom {
  margin-top: auto;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.phase-card-title {
  font-family: var(--font-heading);
  font-size: 21px;
  font-weight: 700;
  line-height: 28px;
  color: #ffffff;
  margin: 0;
  text-shadow: 0 2px 6px rgba(0, 0, 0, 0.4);
}

/* Hidden by default: description + bullet points (revealed only AFTER expansion) */
.phase-card-reveal {
  max-height: 0;
  opacity: 0;
  transform: translateY(12px);
  overflow: hidden;
  transition: max-height 0.25s ease 0s,
              opacity 0.2s ease 0s,
              transform 0.2s ease 0s,
              margin-top 0.2s ease 0s;
  margin-top: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
  pointer-events: none;
}

.phase-card-desc {
  font-family: var(--font-body);
  font-size: 13.5px;
  line-height: 22px;
  color: rgba(255, 255, 255, 0.85);
  margin: 0;
}

.phase-deliverables-wrap {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.phase-deliverables-title {
  font-family: var(--font-heading);
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-blue, #00A9DD);
  display: block;
}

.phase-deliverables {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.phase-deliverables li {
  font-size: 13px;
  line-height: 20px;
  color: rgba(255, 255, 255, 0.95);
}

/* ==========================================================================
   HOVER STATE:
   1. Card expands horizontally & vertically (0s - 0.5s)
   2. Bottom meta hides, Top header reveals
   3. Description & Bullets reveal AFTER expansion completes (delay 0.48s)
   ========================================================================== */
.phase-stepper-grid:hover .phase-card {
  flex: 0.85;
}

.phase-stepper-grid .phase-card:hover,
.phase-stepper-grid .phase-card:focus-within {
  flex: 1.55; /* Grows horizontally */
  transform: translateY(-10px) scale(1.03); /* Grows vertically & lifts */
  z-index: 10;
  border-color: var(--color-blue, #00A9DD);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.45), 0 0 30px rgba(0, 169, 221, 0.25);
}

.phase-card:hover .phase-card-bg,
.phase-card:focus-within .phase-card-bg {
  transform: scale(1.10);
}

.phase-card:hover .phase-card-overlay,
.phase-card:focus-within .phase-card-overlay {
  background: linear-gradient(180deg, rgba(12, 13, 13, 0.20) 0%, rgba(4, 40, 77, 0.88) 35%, rgba(4, 25, 48, 0.99) 100%);
}

/* Top header appears at top on hover */
.phase-card:hover .phase-card-header,
.phase-card:focus-within .phase-card-header {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
  transition: opacity 0.45s ease 0.15s,
              transform 0.45s cubic-bezier(0.16, 1, 0.3, 1) 0.15s;
}

/* Bottom meta collapses and fades out on hover */
.phase-card:hover .phase-card-meta-default,
.phase-card:focus-within .phase-card-meta-default {
  opacity: 0;
  max-height: 0;
  margin-top: 0;
  padding-top: 0;
  border-top-color: transparent;
  transform: translateY(-6px);
  pointer-events: none;
  overflow: hidden;
}

/* Description & deliverable points appear ONLY after expansion finishes! */
.phase-card:hover .phase-card-reveal,
.phase-card:focus-within .phase-card-reveal {
  max-height: 380px;
  opacity: 1;
  transform: translateY(0);
  margin-top: 14px;
  pointer-events: auto;
  transition: max-height 0.45s cubic-bezier(0.16, 1, 0.3, 1) 0.48s,
              opacity 0.4s cubic-bezier(0.16, 1, 0.3, 1) 0.52s,
              transform 0.4s cubic-bezier(0.16, 1, 0.3, 1) 0.52s,
              margin-top 0.45s cubic-bezier(0.16, 1, 0.3, 1) 0.48s;
}

@media (max-width: 1024px) {
  .phase-stepper-grid {
    flex-direction: column !important;
    gap: 18px !important;
  }

  .phase-card {
    flex: none !important;
    width: 100% !important;
    min-height: auto !important;
    border-radius: 0 !important;
    transform: none !important;
  }

  .phase-stepper-grid:hover .phase-card {
    flex: none !important;
  }

  .phase-stepper-grid .phase-card:hover,
  .phase-stepper-grid .phase-card:focus-within {
    flex: none !important;
    transform: none !important;
  }

  .phase-card-reveal {
    max-height: none !important;
    opacity: 1 !important;
    transform: none !important;
    margin-top: 12px !important;
    pointer-events: auto !important;
    transition: none !important;
  }

  .phase-card-meta-default {
    display: none !important;
  }

  .phase-card-header {
    opacity: 1 !important;
    transform: none !important;
    margin-bottom: 8px;
  }

  .phase-card-bottom {
    position: static !important;
    bottom: auto !important;
    left: auto !important;
    right: auto !important;
  }

  .phase-card-content {
    position: relative !important;
    height: auto !important;
    display: flex !important;
    flex-direction: column !important;
    justify-content: flex-start !important;
    padding: 24px 20px !important;
  }
}

/* ==========================================================================
   10. Cost Breakdown Grid (Option 3 Asymmetric Split Hub)
   ========================================================================== */
.fz-cost-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  align-items: stretch;
}

.fz-cost-col-card {
  background: #ffffff;
  border: 1px solid var(--color-border);
  border-radius: 0;
  padding: 36px 32px;
  display: flex;
  flex-direction: column;
  box-shadow: 0 4px 20px rgba(4, 40, 77, 0.04);
  transition: all var(--transition-fast);
}

.fz-cost-col-card:hover {
  border-color: var(--color-blue);
  box-shadow: 0 12px 32px rgba(4, 40, 77, 0.08);
}

.fz-cost-col-header {
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(12, 13, 13, 0.08);
  margin-bottom: 20px;
}

.fz-cost-col-tag {
  font-family: var(--font-heading);
  font-size: 11.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0;
  background: transparent;
  border: none;
  display: inline-block;
  margin-bottom: 8px;
}

.fz-tag-blue {
  color: var(--color-blue, #00A9DD);
  background: transparent;
  border: none;
}

.fz-tag-dark {
  color: var(--color-dark-muted, #64748b);
  background: transparent;
  border: none;
}

.fz-cost-col-title {
  font-family: var(--font-heading);
  font-size: 22px;
  font-weight: 700;
  line-height: 28px;
  color: var(--color-dark);
  margin: 0 0 8px 0;
}

.fz-cost-col-desc {
  font-family: var(--font-body);
  font-size: 13.5px;
  line-height: 21px;
  color: var(--color-dark-muted);
  margin: 0;
}

.fz-cost-col-items {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-bottom: 24px;
}

.fz-cost-row {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px 0;
  background: transparent;
  border-bottom: 1px solid rgba(12, 13, 13, 0.06);
  border-radius: 0;
  transition: all var(--transition-fast);
}

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

.fz-cost-row:hover {
  background: transparent;
  transform: translateX(4px);
}

.fz-cost-row-num {
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 800;
  color: var(--color-blue, #00A9DD);
  background: transparent;
  border: none;
  width: auto;
  height: auto;
  padding-top: 2px;
  flex-shrink: 0;
}

.fz-cost-row-body {
  flex: 1;
}

.fz-cost-row-title {
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 700;
  line-height: 21px;
  color: var(--color-dark);
  margin: 0 0 4px 0;
}

.fz-cost-row-desc {
  font-family: var(--font-body);
  font-size: 13px;
  line-height: 19px;
  color: var(--color-dark-muted);
  margin: 0;
}

.fz-cost-col-footer {
  margin-top: auto;
}

.fz-cost-col-note {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--color-dark-muted);
  padding: 14px 0 0 0;
  border-top: 1px solid rgba(12, 13, 13, 0.08);
  background: transparent;
}

.fz-cost-col-note svg {
  color: var(--color-blue, #00A9DD);
  flex-shrink: 0;
}

.fz-cost-col-highlight {
  padding: 14px 0 0 0;
  border-top: 1px solid rgba(12, 13, 13, 0.08);
  background: transparent;
  color: var(--color-dark);
}

.fz-cost-highlight-title {
  font-family: var(--font-heading);
  font-size: 13.5px;
  font-weight: 700;
  color: var(--color-dark);
  display: block;
  margin-bottom: 4px;
}

.fz-cost-highlight-desc {
  font-family: var(--font-body);
  font-size: 12.5px;
  line-height: 18px;
  color: var(--color-dark-muted);
  margin: 0;
}

@media (max-width: 900px) {
  .fz-cost-split {
    grid-template-columns: 1fr;
    gap: 20px;
  }
}


/* 11. FAQ Dark Navy Section */
.faq-dark-item {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.10);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: all var(--transition-fast);
}

.faq-dark-item:hover {
  background: rgba(255, 255, 255, 0.07);
  border-color: rgba(57, 198, 244, 0.35);
}

.faq-dark-btn {
  width: 100%;
  padding: 18px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: none;
  border: none;
  color: #ffffff;
  font-family: var(--font-heading);
  font-size: 16px;
  font-weight: 600;
  text-align: left;
  cursor: pointer;
  gap: 16px;
}

.faq-dark-btn svg {
  color: #39C6F4;
  transition: transform var(--transition-fast);
  flex-shrink: 0;
}

.faq-dark-btn[aria-expanded="true"] svg {
  transform: rotate(180deg);
}

.faq-dark-pane {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.faq-dark-pane-open {
  max-height: 400px;
}

.faq-dark-content {
  padding: 0 22px 18px 22px;
  font-size: 14.5px;
  line-height: 24px;
  color: rgba(255, 255, 255, 0.80);
}

/* ==========================================================================
   Responsive Breakpoints & Mobile Optimization (Unified Modern System)
   ========================================================================== */

/* 1. Tablet Landscape (max-width: 1024px) */
@media (max-width: 1024px) {
  .fz-hero-split {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .fz-hero-media-wrap {
    justify-content: center;
    min-height: 300px;
    margin: 10px 0 20px 0;
  }

  .fz-hero-main-photo {
    width: 90%;
    height: 280px;
  }

  .subpage-split-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .subpage-split-media img {
    height: 300px;
  }

  .fz-adv-layout,
  .fz-advantages-split {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .fz-adv-sticky-col {
    position: static !important;
    top: auto !important;
    order: -1;
  }

  .fz-activities-grid {
    gap: 18px;
  }

  .fz-activity-card {
    flex: 0 1 calc(50% - 10px);
    width: calc(50% - 10px);
    max-width: calc(50% - 10px);
  }

  .fz-workspace-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .fz-workspace-card,
  .fz-workspace-card:nth-child(2),
  .fz-workspace-card:hover {
    min-height: auto !important;
    padding: 32px 24px !important;
    transform: none !important;
  }

  .fz-banking-split {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .fz-banking-advisory-sidebar {
    position: static !important;
    top: auto !important;
    width: 100%;
  }

  .fz-banking-hcard {
    grid-template-columns: 1fr;
    gap: 18px;
    padding: 24px 20px;
  }

  .fz-hcard-left {
    padding-right: 0;
    border-right: none;
    border-bottom: 1px solid rgba(12, 13, 13, 0.08);
    padding-bottom: 14px;
    height: auto;
  }

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

  .fz-checklist-split {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .fz-checklist-sidebar {
    position: static !important;
    top: auto !important;
    width: 100%;
  }

  .fz-doc-hcard {
    grid-template-columns: 1fr;
    gap: 18px;
    padding: 24px 20px;
  }

  .fz-doc-left {
    padding-right: 0;
    border-right: none;
    border-bottom: 1px solid rgba(12, 13, 13, 0.08);
    padding-bottom: 14px;
    height: auto;
  }

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

  .phase-stepper-grid {
    flex-direction: column !important;
    gap: 18px !important;
  }

  .phase-card {
    flex: none !important;
    width: 100% !important;
    min-height: auto !important;
    border-radius: 0 !important;
  }

  .phase-stepper-grid:hover .phase-card {
    flex: none !important;
  }

  .phase-stepper-grid .phase-card:hover,
  .phase-stepper-grid .phase-card:focus-within {
    flex: none !important;
    transform: none !important;
  }

  .phase-card-reveal {
    max-height: none !important;
    opacity: 1 !important;
    transform: none !important;
    margin-top: 12px !important;
    pointer-events: auto !important;
    transition: none !important;
  }

  .phase-card-meta-default {
    display: none !important;
  }

  .phase-card-header {
    opacity: 1 !important;
    transform: none !important;
    margin-bottom: 8px;
  }

  .phase-card-bottom {
    position: static !important;
    bottom: auto !important;
    left: auto !important;
    right: auto !important;
  }

  .phase-card-content {
    position: relative !important;
    height: auto !important;
    display: flex !important;
    flex-direction: column !important;
    justify-content: flex-start !important;
    padding: 24px 20px !important;
  }
}

/* 2. Tablet Portrait & Mid-Screen (max-width: 900px) */
@media (max-width: 900px) {
  .fz-visa-organic-flow {
    margin-top: 28px;
    gap: 16px;
  }

  .fz-visa-flow-item {
    width: 100% !important;
    max-width: 100% !important;
    align-self: stretch !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
    margin-top: 0 !important;
    margin-bottom: 16px !important;
  }

  /* ALL FLOW & STEP ARROWS HIDDEN ON MOBILE */
  .fz-visa-flow-arrow,
  .fz-visa-step-arrow,
  .fz-step-arrow,
  .fz-flow-arrow {
    display: none !important;
  }

  .fz-visa-step-card {
    padding: 22px 20px;
    gap: 10px;
  }

  .fz-visa-step-title {
    font-size: 20px;
    line-height: 27px;
  }

  .fz-visa-step-desc {
    font-size: 14px;
    line-height: 22px;
  }

  .fz-cost-split {
    grid-template-columns: 1fr !important;
    gap: 20px !important;
  }

  .fz-cost-col-card {
    padding: 26px 20px !important;
  }

  .fz-hero-split {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .fz-hero-watermark {
    width: 280px;
    height: 280px;
    top: -10px;
    right: 10px;
    opacity: 0.04;
  }
}

/* 3. Mobile / Phablets (max-width: 767px) */
@media (max-width: 767px) {
  .section {
    padding: 44px 0;
  }

  .section-header {
    margin-bottom: 24px;
    text-align: left;
  }

  .section-header.text-center {
    text-align: left;
  }

  .section-title {
    font-size: 26px;
    line-height: 34px;
  }

  .section-subtitle {
    font-size: 14px;
    line-height: 22px;
    margin-bottom: 18px;
    text-align: left;
  }

  .section-editorial-lead {
    text-align: left;
    font-size: 14px;
    line-height: 22px;
    margin-bottom: 20px;
  }

  .tagline {
    font-size: 11.5px;
    margin-bottom: 6px;
  }

  .fz-hero {
    padding: 36px 0 44px 0;
    overflow: hidden;
  }

  .fz-hero-split {
    grid-template-columns: 1fr;
    gap: 28px;
    margin-bottom: 28px;
  }

  .fz-hero-content {
    width: 100%;
    max-width: 100%;
  }

  .fz-hero-title {
    font-size: 28px;
    line-height: 36px;
    margin-bottom: 14px;
    word-break: break-word;
  }

  .fz-hero-subtitle {
    font-size: 14px;
    line-height: 22px;
    margin-bottom: 20px;
  }

  .fz-hero-actions {
    flex-direction: column;
    align-items: stretch;
    width: 100%;
    gap: 12px;
    margin-bottom: 20px;
  }

  .fz-hero-actions .btn {
    width: 100%;
    justify-content: center;
    padding: 13px 20px;
    font-size: 14px;
  }

  .fz-hero-trust-row {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
    margin-bottom: 24px;
    width: 100%;
  }

  .fz-hero-media-wrap {
    display: flex;
    justify-content: center;
    position: relative;
    width: 100%;
    max-width: 100%;
    min-height: auto;
    margin-top: 8px;
    margin-bottom: 24px;
  }

  .fz-hero-media-wrap .hero-contact-card {
    max-width: 100%;
    width: 100%;
  }

  .fz-hero-main-photo {
    width: 100%;
    height: 220px;
    border-radius: var(--radius-md);
  }

  .fz-hero-inset-photo {
    width: 130px;
    height: 90px;
    bottom: -10px;
    left: 8px;
    border-width: 2px;
  }

  .fz-hero-stat-card {
    top: auto;
    bottom: -12px;
    right: 8px;
    left: auto;
    padding: 8px 12px;
    gap: 8px;
    border-radius: var(--radius-sm);
  }

  .fz-hero-stat-icon {
    width: 32px;
    height: 32px;
  }

  .fz-hero-stat-logo {
    width: 20px;
    height: 20px;
  }

  .fz-hero-stat-title {
    font-size: 12.5px;
    line-height: 16px;
  }

  .fz-hero-stat-desc {
    font-size: 10.5px;
  }

  .mainland-kpi-bar {
    grid-template-columns: 1fr 1fr;
    gap: 16px 12px;
    padding: 18px 14px;
    margin-top: 24px;
  }

  .mainland-kpi-val {
    font-size: 22px;
    line-height: 28px;
  }

  .mainland-kpi-label {
    font-size: 11px;
    line-height: 15px;
  }

  .subpage-split-content p {
    font-size: 14px;
    line-height: 22px;
  }

  .fz-spec-pill-grid {
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    margin: 12px 0;
  }

  .fz-spec-pill {
    padding: 10px 12px;
  }

  .subpage-split-media img {
    height: 220px;
  }

  .fz-adv-cards-col {
    padding: 24px 18px;
  }

  .fz-adv-card-media {
    height: 170px;
  }

  .fz-adv-card-title {
    font-size: 18px;
    line-height: 25px;
  }

  .fz-adv-card-desc {
    font-size: 13.5px;
    line-height: 21px;
  }

  .fz-adv-card-highlights {
    grid-template-columns: 1fr;
  }

  .fz-adv-sticky-inner .section-title {
    font-size: 24px;
    line-height: 32px;
  }

  .fz-adv-lead {
    font-size: 14px;
    line-height: 22px;
  }

  .fz-adv-actions {
    flex-direction: column;
    align-items: stretch;
    gap: 12px;
  }

  .fz-adv-actions .btn {
    width: 100%;
    justify-content: center;
  }

  .fz-activities-grid {
    gap: 14px;
  }

  .fz-activity-card {
    flex: 1 1 100%;
    width: 100%;
    max-width: 100%;
    padding: 18px 16px;
    gap: 10px;
  }

  .fz-activity-bullets {
    padding-right: 50px;
  }

  .faq-dark-btn {
    padding: 15px 16px;
    font-size: 15px;
    line-height: 21px;
  }

  .faq-dark-content {
    padding: 0 16px 16px 16px;
    font-size: 13.5px;
    line-height: 22px;
  }
}

/* 4. Small Smartphones (max-width: 480px) */
@media (max-width: 480px) {
  .section {
    padding: 36px 0;
  }

  .section-title {
    font-size: 22px;
    line-height: 30px;
  }

  .section-subtitle {
    font-size: 13.5px;
    line-height: 21px;
  }

  .fz-hero {
    padding: 28px 0 36px 0;
  }

  .fz-hero-title {
    font-size: 24px;
    line-height: 32px;
  }

  .fz-hero-subtitle {
    font-size: 13.5px;
    line-height: 21px;
  }

  .fz-hero-main-photo {
    height: 190px;
  }

  .fz-hero-inset-photo {
    width: 110px;
    height: 75px;
    bottom: -8px;
    left: 6px;
  }

  .fz-hero-stat-card {
    bottom: -10px;
    right: 6px;
    padding: 6px 10px;
  }

  .fz-hero-stat-icon {
    width: 28px;
    height: 28px;
  }

  .fz-hero-stat-logo {
    width: 17px;
    height: 17px;
  }

  .fz-hero-stat-title {
    font-size: 11.5px;
    line-height: 15px;
  }

  .fz-hero-stat-desc {
    font-size: 9.5px;
  }

  .mainland-kpi-bar {
    grid-template-columns: 1fr;
    gap: 10px;
    padding: 14px 12px;
  }

  .mainland-kpi-val {
    font-size: 20px;
    line-height: 26px;
  }

  .fz-spec-pill-grid {
    grid-template-columns: 1fr;
  }

  .subpage-split-media img {
    height: 190px;
  }

  .fz-activity-bullets {
    padding-right: 0;
  }

  .fz-activity-icon-br {
    width: 52px;
    height: 52px;
    border-top-left-radius: 16px;
  }

  .fz-activity-icon-br svg {
    width: 26px;
    height: 26px;
  }
}


/* Desktop Action Button Container Rules */
.section-actions,
.subpage-split-actions,
.fz-adv-actions,
.banking-actions,
.mainland-actions {
  display: flex;
  flex-direction: row;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  width: auto;
  max-width: 100%;
}

.section-actions.text-center,
.section-actions {
  justify-content: center;
}

.subpage-split-actions,
.fz-adv-actions,
.banking-actions,
.mainland-actions {
  justify-content: flex-start;
}

.section-actions .btn,
.subpage-split-actions .btn,
.fz-adv-actions .btn,
.banking-actions .btn,
.mainland-actions .btn {
  width: auto;
  flex-shrink: 0;
}

/* Responsive Action Buttons Stacking */
@media (max-width: 768px) {
  .section-actions,
  .subpage-split-actions,
  .faq-cta-box .section-actions,
  .fz-adv-actions,
  .ml-adv-actions,
  .fintax-actions,
  .pro-gov-actions,
  .banking-actions,
  .mainland-actions {
    flex-direction: column !important;
    align-items: stretch !important;
    width: 100% !important;
    gap: 12px !important;
  }
  
  .section-actions .btn,
  .subpage-split-actions .btn,
  .faq-cta-box .section-actions .btn,
  .fz-adv-actions .btn,
  .ml-adv-actions .btn,
  .fintax-actions .btn,
  .pro-gov-actions .btn,
  .banking-actions .btn,
  .mainland-actions .btn {
    width: 100% !important;
    justify-content: center !important;
  }
  
  .faq-cta-box {
    padding: 28px 18px !important;
    margin-top: 36px !important;
  }
}