/* Phase 01: Market Linked Debentures hero */
:root {
    --mld-canvas: #f8fafc;
    --mld-navy: #0f2537;
    --mld-slate: #475569;
    --mld-teal: #0f766e;
    --mld-green: #10b981;
    --mld-green-dark: #059669;
    --mld-border: #e2e8f0;
    --mld-error: #dc2626;
}

.mld-page,
.mld-page *,
.mld-page *::before,
.mld-page *::after { box-sizing: border-box; }

.mld-hero {
    background: linear-gradient(180deg, #f8fafc 0%, #f1f5f9 100%);
    padding: max(2rem, env(safe-area-inset-top)) 0 max(2.5rem, env(safe-area-inset-bottom));
}

.mld-hero__container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 clamp(1rem, 3vw, 1.5rem);
    display: grid;
    grid-template-columns: minmax(0, 3fr) minmax(0, 2fr);
    align-items: start;
    gap: clamp(1.5rem, 4vw, 3.5rem);
}

.mld-hero__content { min-width: 0; text-align: left; }

.mld-hero__eyebrow {
    display: inline-block;
    margin: 0 0 1rem;
    padding: .45rem .75rem;
    border-radius: 999px;
    background: rgba(16, 185, 129, .1);
    color: #047857;
    font-size: .75rem;
    font-weight: 800;
    letter-spacing: .09em;
    line-height: 1.2;
    text-transform: uppercase;
}

.mld-hero h1 {
    max-width: 760px;
    margin: 0;
    color: var(--mld-navy);
    font-size: clamp(2rem, 3vw, 2.25rem);
    font-weight: 800;
    letter-spacing: -.035em;
    line-height: 1.16;
}

.highlight-green { color: var(--mld-green-dark); }

.mld-hero__subheadline {
    margin: 1.1rem 0 0;
    color: var(--mld-teal);
    font-size: clamp(1rem, 1.8vw, 1.25rem);
    font-weight: 700;
    line-height: 1.45;
}

.mld-hero__description {
    max-width: 760px;
    margin: 1rem 0 0;
    color: var(--mld-slate);
    font-size: 1rem;
    line-height: 1.7;
}

.mld-hero__form-column {
    min-width: 0;
    display: flex;
    justify-content: center;
}

.mld-form-card {
    width: 75%;
    min-width: 0;
    height: auto;
    padding: 1.75rem;
    background: #fff;
    border: 1px solid var(--mld-border);
    border-radius: 1.25rem;
    box-shadow: 0 10px 25px -5px rgba(0, 0, 0, .05);
}

.mld-form-card h2 {
    margin: 0 0 1.35rem;
    color: var(--mld-navy);
    font-size: 1.35rem;
    line-height: 1.25;
    text-align: center;
}

.mld-form__group { margin-bottom: 1rem; }
.mld-form__group label {
    display: block;
    margin-bottom: .45rem;
    color: var(--mld-navy);
    font-size: .9rem;
    font-weight: 700;
}

.mld-form__group input {
    width: 100%;
    min-height: 48px;
    padding: .75rem .9rem;
    color: var(--mld-navy);
    background: #fff;
    border: 1px solid #cbd5e1;
    border-radius: .65rem;
    font: inherit;
    font-size: 1rem;
    line-height: 1.25;
    -webkit-appearance: none;
    -webkit-tap-highlight-color: transparent;
}

.mld-form__group input:focus { outline: none; border-color: var(--mld-green); }
.mld-form__group input:focus-visible,
.mld-form__submit:focus-visible {
    outline: 2px solid var(--mld-green);
    outline-offset: 2px;
}
.mld-form__group input.is-invalid { border-color: var(--mld-error); }
.mld-form__error { display: block; min-height: 0; margin-top: .3rem; color: var(--mld-error); font-size: .78rem; }

.mld-form__submit {
    width: 100%;
    min-height: 48px;
    padding: .8rem 1rem;
    border: 0;
    border-radius: .7rem;
    background: var(--mld-green);
    color: #fff;
    cursor: pointer;
    font: inherit;
    font-weight: 800;
    line-height: 1.2;
    -webkit-appearance: none;
    -webkit-tap-highlight-color: transparent;
    transition: background-color .2s ease, transform .2s ease;
}
.mld-form__submit:hover:not(:disabled) { background: var(--mld-green-dark); transform: translateY(-1px); }
.mld-form__submit:disabled { cursor: not-allowed; opacity: .7; }
.mld-form__response { min-height: 0; margin-top: .9rem; border-radius: .6rem; font-size: .88rem; line-height: 1.45; }
.mld-form__response.is-success,
.mld-form__response.is-error { padding: .7rem .8rem; }
.mld-form__response.is-success { background: #ecfdf5; color: #047857; }
.mld-form__response.is-error { background: #fef2f2; color: #b91c1c; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mld-hero { padding: 1.5rem 0 2rem; }
    .mld-hero__container { display: block; padding: 0 .75rem; }
    .mld-hero__eyebrow { font-size: 11px; }
    .mld-hero h1 { font-size: 20px; }
    .mld-hero__subheadline { font-size: 14px; }
    .mld-hero__description { font-size: .875rem; }
    .mld-hero__form-column { margin-top: 1.5rem; }
    .mld-form-card { width: 90%; padding: 1rem; }
    .mld-form__group input { min-height: 44px; font-size: 14px; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mld-hero { padding: 1.75rem 0 2.25rem; }
    .mld-hero__container { display: block; padding: 0 1rem; }
    .mld-hero h1 { font-size: 22px; }
    .mld-hero__subheadline { font-size: 15px; }
    .mld-hero__form-column { margin-top: 1.75rem; }
    .mld-form-card { width: 90%; padding: 1.25rem; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mld-hero { padding: 2.25rem 0 2.75rem; }
    .mld-hero__container { display: block; max-width: 680px; padding: 0 1.5rem; }
    .mld-hero__form-column { margin-top: 2rem; }
    .mld-form-card { width: 85%; max-width: 460px; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mld-hero { padding: 2.75rem 0 3rem; }
    .mld-hero__container { display: block; max-width: 880px; padding: 0 2rem; }
    .mld-hero__form-column { margin-top: 2.25rem; }
    .mld-form-card { width: 70%; max-width: 520px; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mld-hero { padding: 3.25rem 0 3.75rem; }
    .mld-hero__container { grid-template-columns: minmax(0, 3fr) minmax(0, 2fr); align-items: start; }
    .mld-form-card { width: 75%; padding: 1.5rem; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mld-hero { padding: 4rem 0 4.5rem; }
    .mld-hero__container { grid-template-columns: minmax(0, 3fr) minmax(0, 2fr); align-items: start; }
    .mld-hero h1 { font-size: 40px; }
    .mld-hero__subheadline { font-size: 20px; }
    .mld-hero__description { font-size: 15px; }
    .mld-form-card { width: 75%; max-width: 420px; padding: 2rem; }
}

@media (prefers-reduced-motion: reduce) {
    .mld-form__submit { transition: none; }
}

/* Phase 02: What are Market Linked Debentures */
.mld-overview {
    padding: clamp(2.5rem, 6vw, 5rem) 0;
    background: #f1f5f9;
}

.mld-overview__container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 clamp(1rem, 3vw, 1.5rem);
}

.mld-overview h2 {
    margin: 0;
    color: var(--mld-navy);
    font-size: clamp(1.45rem, 3vw, 2.25rem);
    font-weight: 800;
    letter-spacing: -.025em;
    line-height: 1.2;
    text-align: center;
}

.mld-overview__list {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: clamp(.75rem, 1.6vw, 1.35rem);
    margin: clamp(2rem, 4vw, 3rem) 0 0;
    padding: 0;
    list-style: none;
    align-items: stretch;
}

.mld-overview__card {
    min-width: 0;
    min-height: 220px;
    padding: 1.25rem 1rem;
    background: #fff;
    border: 1px solid var(--mld-border);
    border-top: 4px solid var(--mld-green);
    border-radius: .9rem;
    box-shadow: 0 4px 12px rgba(0, 0, 0, .04);
    color: var(--mld-navy);
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
    transition: transform .22s ease, box-shadow .22s ease;
}

.mld-overview__card:nth-child(even) { transform: translateY(20px); }
.mld-overview__number {
    flex: 0 0 auto;
    width: 30px;
    height: 30px;
    margin-bottom: .85rem;
    border-radius: 50%;
    background: var(--mld-green);
    color: #fff;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: .75rem;
    font-weight: 800;
    line-height: 1;
}

.mld-overview__card p {
    margin: 0;
    color: var(--mld-navy);
    font-size: .9rem;
    line-height: 1.58;
}

.mld-overview__card:focus-within {
    outline: 2px solid var(--mld-green);
    outline-offset: 3px;
}

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mld-overview { padding: 2rem 0; }
    .mld-overview__container { padding: 0 .75rem; }
    .mld-overview h2 { font-size: 1.35rem; }
    .mld-overview__list { display: block; margin-top: 1.5rem; }
    .mld-overview__card {
        width: 80%;
        min-height: 0;
        margin-bottom: 1rem;
        padding: 12px 14px;
        flex-direction: row;
        align-items: flex-start;
    }
    .mld-overview__card:nth-child(odd) { margin-right: auto; margin-left: 0; }
    .mld-overview__card:nth-child(even) { margin-right: 0; margin-left: auto; transform: none; }
    .mld-overview__number { width: 24px; height: 24px; margin: 0 .65rem 0 0; font-size: .65rem; }
    .mld-overview__card p { font-size: 13px; line-height: 1.45; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mld-overview__container { padding: 0 1rem; }
    .mld-overview__list { display: block; margin-top: 1.75rem; }
    .mld-overview__card {
        width: 80%;
        min-height: 0;
        margin-bottom: 1rem;
        padding: 14px 16px;
        flex-direction: row;
        align-items: flex-start;
    }
    .mld-overview__card:nth-child(odd) { margin-right: auto; margin-left: 0; }
    .mld-overview__card:nth-child(even) { margin-right: 0; margin-left: auto; transform: none; }
    .mld-overview__number { width: 26px; height: 26px; margin: 0 .75rem 0 0; }
    .mld-overview__card p { font-size: 14px; line-height: 1.5; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mld-overview__container { max-width: 680px; padding: 0 1.5rem; }
    .mld-overview__list { display: block; margin-top: 2rem; }
    .mld-overview__card {
        width: 80%;
        min-height: 0;
        margin-bottom: 1.25rem;
        padding: 1rem 1.2rem;
        flex-direction: row;
        align-items: flex-start;
    }
    .mld-overview__card:nth-child(odd) { margin-right: auto; margin-left: 0; }
    .mld-overview__card:nth-child(even) { margin-right: 0; margin-left: auto; transform: none; }
    .mld-overview__number { margin: 0 .85rem 0 0; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mld-overview__container { max-width: 960px; padding: 0 2rem; }
    .mld-overview__list { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.5rem; }
    .mld-overview__card { min-height: 175px; padding: 1.25rem; }
    .mld-overview__card:nth-child(even) { transform: translateY(0); }
    .mld-overview__card:last-child { grid-column: 1 / -1; width: calc(50% - .75rem); justify-self: center; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mld-overview__list { grid-template-columns: repeat(5, minmax(0, 1fr)); }
    .mld-overview__card { min-height: 235px; padding: 1.25rem 1rem; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mld-overview__card { min-height: 245px; padding: 1.4rem 1.15rem; }
    .mld-overview__card:hover { box-shadow: 0 10px 22px rgba(15, 37, 55, .09); }
    .mld-overview__card:nth-child(odd):hover { transform: translateY(-4px); }
    .mld-overview__card:nth-child(even):hover { transform: translateY(16px); }
}

@media (prefers-reduced-motion: reduce) {
    .mld-overview__card { transition: none; }
    .mld-overview__card:hover { transform: none; }
}

/* Phase 03: Types of MLDs */
.mld-types {
    padding: clamp(2.5rem, 6vw, 5rem) 0;
    background: #fff;
}

.mld-types__container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 clamp(1rem, 3vw, 1.5rem);
}

.mld-types h2,
.mld-types__intro { text-align: center; }

.mld-types h2 {
    margin: 0;
    color: var(--mld-navy);
    font-size: clamp(1.5rem, 3vw, 2.25rem);
    font-weight: 800;
    letter-spacing: -.025em;
    line-height: 1.2;
}

.mld-types__intro {
    margin: .7rem 0 0;
    color: var(--mld-slate);
    font-size: 1rem;
    line-height: 1.5;
}

.mld-types__grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: clamp(1rem, 2vw, 1.5rem);
    margin-top: clamp(1.75rem, 4vw, 2.75rem);
    align-items: stretch;
}

.mld-types__card {
    min-width: 0;
    min-height: 210px;
    padding: 1.5rem;
    border-radius: 1rem;
    color: #f8fafc;
    display: flex;
    flex-direction: column;
    text-align: left;
    transition: transform .22s ease, box-shadow .22s ease;
}

.mld-types__card--protected { background: #0f2537; }
.mld-types__card--non-protected { background: #134e4a; }
.mld-types__card--income { background: #1e1b4b; }
.mld-types__card--growth { background: #064e3b; }

.mld-types__card h3 {
    margin: 0;
    padding-bottom: 1rem;
    border-bottom: 1px solid rgba(255, 255, 255, .2);
    color: #fff;
    font-size: 1.1rem;
    font-weight: 800;
    line-height: 1.35;
}

.mld-types__card h3 span {
    display: inline-block;
    padding: .3rem .5rem;
    border-radius: .35rem;
    background: rgba(255, 255, 255, .16);
}

.mld-types__card p {
    margin: 1rem 0 0;
    color: #fff;
    font-size: .94rem;
    line-height: 1.62;
}

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mld-types { padding: 2rem 0; }
    .mld-types__container { padding: 0 1rem; }
    .mld-types__grid { grid-template-columns: 1fr; gap: .85rem; margin-top: 1.5rem; }
    .mld-types__card { min-height: 0; padding: 16px; }
    .mld-types__card h3 { padding-bottom: .75rem; font-size: 15px; }
    .mld-types__card p { margin-top: .75rem; font-size: 13px; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mld-types__container { padding: 0 1.25rem; }
    .mld-types__grid { grid-template-columns: 1fr; gap: 1rem; }
    .mld-types__card { min-height: 0; padding: 18px; }
    .mld-types__card h3 { font-size: 16px; }
    .mld-types__card p { font-size: 14px; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mld-types__container { max-width: 680px; padding: 0 1.5rem; }
    .mld-types__grid { grid-template-columns: 1fr; }
    .mld-types__card { min-height: 170px; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mld-types__container { max-width: 960px; padding: 0 2rem; }
    .mld-types__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.25rem; }
    .mld-types__card { min-height: 190px; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mld-types__grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
    .mld-types__card { min-height: 225px; padding: 1.3rem; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mld-types__card { min-height: 235px; }
    .mld-types__card:hover { transform: translateY(-6px); box-shadow: 0 12px 24px rgba(0, 0, 0, .15); }
}

@media (prefers-reduced-motion: reduce) {
    .mld-types__card { transition: none; }
    .mld-types__card:hover { transform: none; }
}

/* Phase 04: Why invest in MLDs */
.mld-benefits {
    padding: clamp(2.5rem, 6vw, 5rem) 0;
    background: #f8fafc;
}

.mld-benefits__container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 clamp(1rem, 3vw, 1.5rem);
}

.mld-benefits h2,
.mld-benefits__intro { text-align: center; }

.mld-benefits h2 {
    margin: 0;
    color: var(--mld-navy);
    font-size: clamp(1.45rem, 3vw, 2.25rem);
    font-weight: 800;
    letter-spacing: -.025em;
    line-height: 1.2;
    text-transform: uppercase;
}

.mld-benefits__intro {
    margin: .7rem 0 0;
    color: var(--mld-slate);
    font-size: 1rem;
    line-height: 1.5;
}

.mld-benefits__grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: clamp(1.75rem, 4vw, 3.25rem) clamp(1rem, 4vw, 3rem);
    margin-top: clamp(2rem, 5vw, 3.5rem);
}

.mld-benefits__item {
    min-width: 0;
    display: flex;
    flex-direction: column;
    align-items: center;
    color: var(--mld-navy);
    text-align: center;
}

.mld-benefits__item svg {
    width: 56px;
    height: 56px;
    flex: 0 0 auto;
    margin-bottom: .9rem;
    transition: transform .3s ease;
}

.mld-benefits__item h3 {
    margin: 0;
    color: var(--mld-navy);
    font-size: 1.125rem;
    font-weight: 700;
    line-height: 1.35;
}

.mld-benefits__item p {
    max-width: 330px;
    margin: .55rem 0 0;
    color: var(--mld-slate);
    font-size: .9rem;
    font-weight: 400;
    line-height: 1.6;
}

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mld-benefits { padding: 2rem 0; }
    .mld-benefits__container { padding: 0 .75rem; }
    .mld-benefits h2 { font-size: 1.3rem; }
    .mld-benefits__intro { font-size: .8rem; }
    .mld-benefits__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.5rem .75rem; margin-top: 1.75rem; }
    .mld-benefits__item svg { width: 40px; height: 40px; margin-bottom: .65rem; }
    .mld-benefits__item h3 { font-size: 14px; }
    .mld-benefits__item p { margin-top: .4rem; font-size: 12px; line-height: 1.5; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mld-benefits__container { padding: 0 1rem; }
    .mld-benefits__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.75rem 1rem; }
    .mld-benefits__item svg { width: 44px; height: 44px; }
    .mld-benefits__item h3 { font-size: 15px; }
    .mld-benefits__item p { font-size: 13px; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mld-benefits__container { max-width: 680px; padding: 0 1.5rem; }
    .mld-benefits__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .mld-benefits__item svg { width: 50px; height: 50px; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mld-benefits__container { max-width: 960px; padding: 0 2rem; }
    .mld-benefits__grid { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 2.25rem 2rem; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mld-benefits__grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
    .mld-benefits__item svg { width: 56px; height: 56px; }
    .mld-benefits__item h3 { font-size: 18px; }
    .mld-benefits__item p { font-size: 14px; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mld-benefits__item:hover svg { transform: scale(1.1); }
}

@media (prefers-reduced-motion: reduce) {
    .mld-benefits__item svg { transition: none; }
    .mld-benefits__item:hover svg { transform: none; }
}

/* Phase 05: Who can choose MLD investments */
.mld-best-for {
    padding: clamp(2.5rem, 6vw, 5rem) 0;
    background: #f8fafc;
}

.mld-best-for__container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 clamp(1rem, 3vw, 1.5rem);
}

.mld-best-for-card {
    padding: 2.5rem 2.25rem;
    background: #fff;
    border: 1px solid var(--mld-border);
    border-radius: 1.5rem;
    box-shadow: 0 10px 30px rgba(15, 37, 55, .05);
}

.mld-best-for-card__header { text-align: center; }
.mld-best-for-card h2 {
    margin: 0;
    font-size: clamp(1.5rem, 3vw, 2.2rem);
    font-weight: 800;
    letter-spacing: -.025em;
    line-height: 1.22;
}
.headline-navy { color: var(--mld-navy); }
/* A darker emerald maintains AA contrast on the white card. */
.headline-green { color: #047857; }
.headline-blue { color: #0369a1; }

.mld-best-for-card__header > p {
    margin: .75rem 0 0;
    color: var(--mld-slate);
    font-size: 1rem;
    line-height: 1.5;
}

.mld-best-for-card__grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    margin-top: clamp(2rem, 4vw, 3rem);
}

.mld-best-for-card__item {
    min-width: 0;
    padding: 0 1.5rem;
    text-align: left;
}
.mld-best-for-card__item:first-child { padding-left: 0; }
.mld-best-for-card__item:last-child { padding-right: 0; }

.mld-best-for-card__item h3 {
    margin: 0;
    color: var(--mld-navy);
    font-size: 1.1rem;
    font-weight: 700;
    line-height: 1.4;
}

.mld-best-for-card__item:nth-child(1) h3 { color: #047857; }
.mld-best-for-card__item:nth-child(2) h3 { color: #1d4ed8; }
.mld-best-for-card__item:nth-child(3) h3 { color: #6d28d9; }

.mld-best-for-card__item p {
    margin: .65rem 0 0;
    color: var(--mld-slate);
    font-size: .94rem;
    font-weight: 400;
    line-height: 1.6;
}

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mld-best-for { padding: 2rem 0; }
    .mld-best-for__container { padding: 0 .75rem; }
    .mld-best-for-card { padding: 20px 16px; border-radius: 1.25rem; }
    .mld-best-for-card h2 { font-size: 20px; }
    .mld-best-for-card__grid { grid-template-columns: 1fr; gap: 1.25rem; margin-top: 1.5rem; }
    .mld-best-for-card__item,
    .mld-best-for-card__item:first-child,
    .mld-best-for-card__item:last-child { padding: 0; }
    .mld-best-for-card__item h3 { font-size: 15px; }
    .mld-best-for-card__item p { font-size: 13px; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mld-best-for__container { padding: 0 1rem; }
    .mld-best-for-card { padding: 24px 20px; }
    .mld-best-for-card__grid { grid-template-columns: 1fr; gap: 1.5rem; margin-top: 1.75rem; }
    .mld-best-for-card__item,
    .mld-best-for-card__item:first-child,
    .mld-best-for-card__item:last-child { padding: 0; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mld-best-for__container { max-width: 680px; padding: 0 1.5rem; }
    .mld-best-for-card { padding: 28px 24px; }
    .mld-best-for-card__grid { grid-template-columns: 1fr; gap: 1.6rem; }
    .mld-best-for-card__item,
    .mld-best-for-card__item:first-child,
    .mld-best-for-card__item:last-child { padding: 0; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mld-best-for__container { max-width: 960px; padding: 0 2rem; }
    .mld-best-for-card { padding: 32px 28px; }
    .mld-best-for-card__grid { grid-template-columns: 1fr; gap: 1.5rem; }
    .mld-best-for-card__item { padding: 0 0 1.5rem; border-bottom: 1px solid var(--mld-border); }
    .mld-best-for-card__item:last-child { padding-bottom: 0; border-bottom: 0; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mld-best-for-card { padding: 40px 36px; }
    .mld-best-for-card__grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mld-best-for-card { padding: 48px 44px; }
    .mld-best-for-card__item + .mld-best-for-card__item { border-left: 1px solid var(--mld-border); }
}

/* Phase 06: Our MLD solutions */
.mld-solutions {
    padding: 3rem 0;
    background: #f1f5f9;
    text-align: center;
}
.mld-solutions__container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 clamp(1rem, 3vw, 1.5rem);
}
.mld-solutions h2 {
    margin: 0;
    color: var(--mld-navy);
    font-size: clamp(1.35rem, 2.8vw, 2rem);
    font-weight: 700;
    line-height: 1.25;
}
.mld-solutions__intro {
    max-width: 760px;
    margin: .6rem auto 0;
    color: var(--mld-slate);
    font-size: .95rem;
    font-weight: 400;
    line-height: 1.55;
}
.mld-solutions__list {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 1rem;
    margin: 1.75rem 0 0;
    padding: 0;
    list-style: none;
}
.mld-solutions__list li {
    min-width: 0;
    color: var(--mld-navy);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    font-size: .95rem;
    font-weight: 600;
    line-height: 1.35;
    text-align: center;
}
.mld-solutions__list svg {
    width: 20px;
    height: 20px;
    flex: 0 0 auto;
    color: var(--mld-green);
}

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mld-solutions { padding: 36px 0; }
    .mld-solutions__container { padding: 0 .75rem; }
    .mld-solutions h2 { font-size: 18px; }
    .mld-solutions__intro { font-size: 13px; }
    .mld-solutions__list { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem .5rem; margin-top: 1.4rem; }
    .mld-solutions__list li { gap: 8px; font-size: 13px; }
    .mld-solutions__list svg { width: 18px; height: 18px; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mld-solutions { padding: 36px 0; }
    .mld-solutions__container { padding: 0 1rem; }
    .mld-solutions h2 { font-size: 20px; }
    .mld-solutions__intro { font-size: 14px; }
    .mld-solutions__list { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.1rem .75rem; }
    .mld-solutions__list li { gap: 8px; font-size: 14px; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mld-solutions { padding: 36px 0; }
    .mld-solutions__container { max-width: 680px; padding: 0 1.5rem; }
    .mld-solutions__list { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.25rem; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mld-solutions { padding: 48px 0; }
    .mld-solutions__container { max-width: 960px; padding: 0 2rem; }
    .mld-solutions__list { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.5rem; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mld-solutions { padding: 48px 0; }
    .mld-solutions__list { grid-template-columns: repeat(4, minmax(0, 1fr)); }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mld-solutions { padding: 48px 0; }
    .mld-solutions__list { grid-template-columns: repeat(4, minmax(0, 1fr)); }
}

/* Phase 07: MLD key features */
.mld-features { padding: clamp(2.5rem, 5vw, 4rem) 0; background: #fff; }
.mld-features__container { width: 100%; max-width: 1280px; margin: 0 auto; padding: 0 clamp(1rem, 3vw, 1.5rem); }
.mld-features__header { text-align: left; }
.mld-features__header h2 {
    margin: 0;
    color: var(--mld-navy);
    font-size: clamp(1.45rem, 3vw, 2.15rem);
    font-weight: 700;
    line-height: 1.2;
}
.mld-features__header p { max-width: 690px; margin: .65rem 0 0; color: var(--mld-slate); font-size: .95rem; line-height: 1.55; }
.mld-features__grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: clamp(.75rem, 2vw, 1.25rem);
    margin-top: clamp(1.5rem, 3vw, 2.25rem);
}
.mld-features__card {
    min-width: 0;
    min-height: 205px;
    padding: 1.5rem 1.25rem;
    background: #f8fafc;
    border: 1px solid var(--mld-border);
    border-radius: .75rem;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    transition: transform .2s ease, box-shadow .2s ease;
}
.mld-features__icon { width: 52px; height: 52px; margin-bottom: .85rem; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; }
.mld-features__icon svg { width: 27px; height: 27px; }
.mld-features__card--investment .mld-features__icon { background: #d1fae5; color: #059669; }
.mld-features__card--demat .mld-features__icon { background: #e0f2fe; color: #0284c7; }
.mld-features__card--returns .mld-features__icon { background: #fef3c7; color: #d97706; }
.mld-features__card--tax .mld-features__icon { background: #ede9fe; color: #7c3aed; }
.mld-features__card h3 { margin: 0; color: var(--mld-navy); font-size: 1rem; font-weight: 700; line-height: 1.35; }
.mld-features__card p { margin: .55rem 0 0; color: var(--mld-slate); font-size: .85rem; font-weight: 400; line-height: 1.55; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mld-features { padding: 2rem 0; }
    .mld-features__container { padding: 0 .75rem; }
    .mld-features__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .65rem; margin-top: 1.25rem; }
    .mld-features__card { min-height: 174px; padding: 16px 14px; }
    .mld-features__icon { width: 44px; height: 44px; margin-bottom: .65rem; }
    .mld-features__icon svg { width: 23px; height: 23px; }
    .mld-features__card h3 { font-size: 14px; }
    .mld-features__card p { margin-top: .4rem; font-size: 11px; line-height: 1.45; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mld-features__container { padding: 0 1rem; }
    .mld-features__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .85rem; }
    .mld-features__card { min-height: 190px; padding: 16px 14px; }
    .mld-features__card h3 { font-size: 15px; }
    .mld-features__card p { font-size: 12px; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mld-features__container { max-width: 680px; padding: 0 1.5rem; }
    .mld-features__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mld-features__container { max-width: 960px; padding: 0 2rem; }
    .mld-features__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.25rem; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mld-features__grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
    .mld-features__card { min-height: 220px; padding: 24px 20px; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mld-features__grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
    .mld-features__card:hover { transform: translateY(-4px); box-shadow: 0 8px 18px rgba(15, 37, 55, .07); }
}

@media (prefers-reduced-motion: reduce) {
    .mld-features__card { transition: none; }
    .mld-features__card:hover { transform: none; }
}

/* Phase 08: Steps to invest in MLDs */
.mld-invest-steps { padding: clamp(2.5rem, 6vw, 5rem) 0; background: #f8fafc; text-align: center; }
.mld-invest-steps__container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 clamp(1rem, 3vw, 1.5rem); }
.mld-invest-steps h2 { margin: 0; color: var(--mld-navy); font-size: clamp(1.45rem, 3vw, 2.2rem); font-weight: 700; line-height: 1.2; }
.mld-invest-steps__intro { max-width: 680px; margin: .65rem auto 0; color: var(--mld-slate); font-size: .95rem; line-height: 1.55; }
.mld-phone {
    position: relative;
    width: min(100%, 380px);
    margin: 1.75rem auto 0;
    padding: 24px 12px 12px;
    border: 8px solid var(--mld-navy);
    border-radius: 2rem;
    background: var(--mld-navy);
    box-shadow: 0 12px 28px rgba(15, 37, 55, .12);
}
.mld-phone__speaker { position: absolute; top: 9px; left: 50%; width: 56px; height: 4px; border-radius: 999px; background: #64748b; transform: translateX(-50%); }
.mld-phone__screen { position: relative; min-height: 270px; overflow: hidden; border-radius: 1.25rem; background: #fff; }
.mld-step-slide {
    position: absolute;
    inset: 0;
    padding: 1.5rem;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    opacity: 0;
    pointer-events: none;
    transform: translateX(12px);
    transition: opacity .3s ease, transform .3s ease;
}
.mld-step-slide.is-active { opacity: 1; pointer-events: auto; transform: translateX(0); }
.mld-step-slide__badge { display: inline-flex; margin-bottom: 1rem; padding: .42rem .7rem; border-radius: 999px; background: #d1fae5; color: #047857; font-size: .75rem; font-weight: 800; letter-spacing: .07em; line-height: 1; text-transform: uppercase; }
.mld-step-slide p { max-width: 285px; margin: 0; font-size: 1.05rem; line-height: 1.6; }
.text-navy { color: var(--mld-navy); font-weight: 700; }
.text-slate { color: var(--mld-slate); font-weight: 400; }
.mld-step-navigation { display: flex; align-items: center; justify-content: center; gap: 1rem; margin-top: 1rem; }
.mld-step-navigation__button {
    width: 44px; height: 44px; border: 1px solid #cbd5e1; border-radius: 50%; background: #fff; color: var(--mld-navy); cursor: pointer; font-size: 1.75rem; line-height: 1; -webkit-appearance: none; -webkit-tap-highlight-color: transparent;
}
.mld-step-navigation__button:hover { border-color: var(--mld-green); color: #047857; }
.mld-step-navigation__button:focus-visible,
.mld-invest-steps__cta:focus-visible { outline: 2px solid var(--mld-green); outline-offset: 3px; }
.mld-step-navigation__dots { display: flex; gap: .45rem; }
.mld-step-navigation__dots span { width: 8px; height: 8px; border-radius: 50%; background: #cbd5e1; }
.mld-step-navigation__dots span.is-active { background: var(--mld-green); }
.mld-invest-steps__cta { display: inline-flex; min-height: 44px; align-items: center; justify-content: center; margin-top: 1.25rem; padding: .75rem 1.3rem; border-radius: 999px; background: var(--mld-green); color: #fff; font-size: .95rem; font-weight: 800; line-height: 1.2; text-decoration: none; transition: transform .2s ease, background-color .2s ease; }
.mld-invest-steps__cta:hover { background: var(--mld-green-dark); transform: scale(1.03); }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mld-invest-steps { padding: 2rem 0; }
    .mld-invest-steps__container { padding: 0 .75rem; }
    .mld-phone { width: 280px; padding: 22px 10px 10px; border-width: 7px; }
    .mld-phone__screen { min-height: 220px; }
    .mld-step-slide { padding: 1rem; }
    .mld-step-slide p { font-size: .9rem; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mld-phone { width: 320px; }
    .mld-phone__screen { min-height: 240px; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mld-phone { width: 340px; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mld-phone { width: 360px; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mld-phone { width: 380px; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mld-phone { width: 380px; }
}

@media (prefers-reduced-motion: reduce) {
    .mld-step-slide,
    .mld-invest-steps__cta { transition: none; }
    .mld-invest-steps__cta:hover { transform: none; }
}

/* Phase 09: MLD FAQs */
.mld-faq { padding: clamp(2.5rem, 6vw, 5rem) 0; background: #fff; }
.mld-faq__container { width: 75%; max-width: 960px; margin: 0 auto; padding: 0; text-align: left; }
.mld-faq__header h2 { margin: 0; color: var(--mld-navy); font-size: clamp(1.45rem, 3vw, 2.2rem); font-weight: 700; line-height: 1.2; }
.mld-faq__header p { margin: .65rem 0 0; color: var(--mld-slate); font-size: .95rem; font-weight: 400; line-height: 1.6; }
.mld-faq__list { margin-top: 1.75rem; border-top: 1px solid var(--mld-border); }
.mld-faq__item { border-bottom: 1px solid var(--mld-border); }
.mld-faq__item h3 { margin: 0; }
.faq-question-btn {
    width: 100%;
    min-height: 56px;
    padding: 1rem 0;
    border: 0;
    background: transparent;
    color: var(--mld-navy);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    font: inherit;
    font-size: 1rem;
    font-weight: 700;
    line-height: 1.4;
    text-align: left;
    -webkit-appearance: none;
    -webkit-tap-highlight-color: transparent;
}
.faq-question-btn:focus-visible { outline: 2px solid var(--mld-green); outline-offset: -2px; }
.mld-faq__icon { flex: 0 0 auto; color: var(--mld-green); font-size: 1.5rem; font-weight: 400; line-height: 1; transition: transform .25s ease, color .25s ease; }
.mld-faq__item.is-open .mld-faq__icon { color: var(--mld-navy); transform: rotate(45deg); }
.mld-faq__answer { display: grid; grid-template-rows: 0fr; overflow: hidden; transition: grid-template-rows .3s ease; }
.mld-faq__answer > div { min-height: 0; }
.mld-faq__item.is-open .mld-faq__answer { grid-template-rows: 1fr; }
.mld-faq__answer p,
.mld-faq__answer ul { color: var(--mld-slate); font-size: .94rem; font-weight: 400; line-height: 1.6; text-align: left; }
.mld-faq__answer p { margin: 0 0 .9rem; }
.mld-faq__answer ul { margin: 0 0 .9rem; padding-left: 1.25rem; }
.mld-faq__answer li + li { margin-top: .55rem; }
.mld-faq__answer > div { padding: 0; }
.mld-faq__item.is-open .mld-faq__answer > div { padding: 0 0 1.15rem; }

/* Tier 1 — Small mobile */
@media (max-width: 360px) {
    .mld-faq { padding: 16px 0; }
    .mld-faq__container { width: 100%; max-width: none; padding: 0 12px; }
    .mld-faq__header h2 { font-size: 20px; }
    .mld-faq__header p { font-size: 13px; }
    .mld-faq__list { margin-top: 1.25rem; }
    .faq-question-btn { min-height: 50px; padding: .8rem 0; font-size: 15px; }
    .mld-faq__icon { font-size: 18px; }
    .mld-faq__answer p, .mld-faq__answer ul { font-size: 12px; }
}

/* Tier 2 — Standard mobile */
@media (min-width: 361px) and (max-width: 480px) {
    .mld-faq { padding: 20px 0; }
    .mld-faq__container { width: 100%; max-width: none; padding: 0 16px; }
    .faq-question-btn { font-size: 16px; }
}

/* Tier 3 — Large mobile / phablet */
@media (min-width: 481px) and (max-width: 767px) {
    .mld-faq__container { width: 100%; max-width: none; padding: 0 24px; }
}

/* Tier 4 — Tablet */
@media (min-width: 768px) and (max-width: 1023px) {
    .mld-faq__container { width: 75%; max-width: 960px; }
}

/* Tier 5 — Laptop / small monitor */
@media (min-width: 1024px) and (max-width: 1279px) {
    .mld-faq__container { width: 75%; max-width: 960px; }
}

/* Tier 6 — Large desktop */
@media (min-width: 1280px) {
    .mld-faq__container { width: 75%; max-width: 960px; }
    .faq-question-btn:hover { background: #f8fafc; }
}

@media (prefers-reduced-motion: reduce) {
    .mld-faq__icon,
    .mld-faq__answer { transition: none; }
}