:root{
      --navy:#0B3D91;
      --navy-dark:#071f4c;
      --ink:#172033;
      --muted:#657085;
      --line:#dce3ee;
      --paper:#f5f7fb;
      --white:#fff;
      --red:#b32632;
      --gold:#d7a846;
      --shadow:0 18px 48px rgba(7,31,76,.12);
      --radius:18px;
    }
    *{box-sizing:border-box}
    html{scroll-behaviour:smooth}
    body{margin:0;color:var(--ink);background:var(--paper);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.6}
    a{color:inherit;text-decoration:none}
    img{max-width:100%;display:block}
    button{font:inherit}
    .container{width:min(1180px,calc(100% - 40px));margin:0 auto}
    .topbar{background:var(--navy-dark);color:#dbe6f8;font-size:13px}
    .topbar .container{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:20px}
    .topbar-links{display:flex;align-items:center;gap:20px}
    .topbar a:hover{color:#fff}
    .header{position:relative;z-index:20;background:#fff;border-bottom:1px solid var(--line)}
    .header-inner{min-height:78px;display:flex;align-items:center;gap:28px}
    .logo{display:flex;align-items:center;gap:10px;min-width:max-content;font-weight:800;color:var(--navy-dark);letter-spacing:-.02em}
    .logo img{width:36px;height:36px;object-fit:contain}
    .logo span{font-size:18px}
    .main-nav{flex:1}
    .nav-list{display:flex;align-items:center;justify-content:center;gap:4px;list-style:none;margin:0;padding:0}
    .nav-item{position:relative}
    .nav-link{display:block;padding:27px 12px;font-size:14px;font-weight:700;color:#354158}
    .nav-link:hover,.nav-link:focus{color:var(--navy)}
    .has-arrow:after{content:"⌄";font-size:12px;margin-left:6px;color:var(--navy)}
    .dropdown-panel,.mega-menu{position:absolute;top:calc(100% - 1px);left:50%;transform:translateX(-50%) translateY(8px);visibility:hidden;opacity:0;background:#fff;border:1px solid var(--line);border-radius:0 0 16px 16px;box-shadow:var(--shadow);transition:.2s ease;pointer-events:none;padding:20px}
    .dropdown-panel{width:300px}
    .mega-menu{width:650px}
    .nav-item:hover .dropdown-panel,.nav-item:focus-within .dropdown-panel,
    .nav-item:hover .mega-menu,.nav-item:focus-within .mega-menu{visibility:visible;opacity:1;transform:translateX(-50%) translateY(0);pointer-events:auto}
    .dropdown-panel:before,.mega-menu:before{content:"";position:absolute;top:-12px;left:0;right:0;height:12px}
    .panel-heading{font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:var(--navy);font-weight:800;margin-bottom:13px}
    .panel-list{display:grid;gap:8px}
    .panel-list a{font-size:14px;padding:7px 0;border-bottom:1px solid #edf0f5}
    .panel-list a:hover,.mega-footer:hover{color:var(--red)}
    .broker-grid,.video-grid,.tool-grid,.product-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
    .mega-card{display:grid;gap:4px;padding:12px;border:1px solid var(--line);border-radius:12px;background:#fbfcfe;min-width:0}
    .mega-card:hover{border-color:var(--gold);background:#fffaf0}
    .mega-card img{width:100%;height:62px;object-fit:cover;border-radius:8px;background:#e9eef7}
    .tool-grid .mega-card img{width:34px;height:34px;object-fit:contain}
    .mega-card strong{font-size:13px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
    .mega-card small{font-size:11px;color:var(--muted);display:block;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
    .mega-footer{display:block;color:var(--navy);font-size:13px;font-weight:800;margin-top:16px}
    .header-btns{display:flex;align-items:center;gap:12px;min-width:max-content}
    .member-link{font-size:13px;font-weight:800;color:var(--navy)}
    .account-link,.primary-btn{background:var(--navy);color:#fff;border-radius:999px;padding:11px 18px;font-size:13px;font-weight:800}
    .account-link:hover,.primary-btn:hover{background:var(--navy-dark)}
    .hamburger{display:none;border:0;background:transparent;padding:8px;cursor:pointer}
    .hamburger span{display:block;width:23px;height:2px;background:var(--navy-dark);margin:5px 0;transition:.2s}
    .hamburger.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
    .hamburger.active span:nth-child(2){opacity:0}
    .hamburger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
    .drawer-overlay{position:fixed;inset:0;background:rgba(2,13,34,.55);opacity:0;visibility:hidden;z-index:40;transition:.25s}
    .drawer-overlay.open{opacity:1;visibility:visible}
    .mobile-drawer{position:fixed;top:0;right:0;width:min(390px,90vw);height:100vh;overflow:auto;background:#fff;z-index:50;transform:translateX(105%);transition:.3s ease;box-shadow:-20px 0 50px rgba(0,0,0,.18)}
    .mobile-drawer.open{transform:translateX(0)}
    .drawer-head{display:flex;align-items:center;gap:12px;padding:20px;border-bottom:1px solid var(--line);font-weight:800}
    .drawer-head span{flex:1;color:var(--navy-dark)}
    .drawer-head a{background:var(--red);color:#fff;border-radius:999px;padding:8px 12px;font-size:12px}
    .drawer-close{border:0;background:transparent;font-size:28px;line-height:1;cursor:pointer;color:var(--muted)}
    .drawer-menu{padding:12px 20px 30px}
    .drawer-link,.drawer-toggle{display:block;width:100%;padding:15px 0;border:0;border-bottom:1px solid var(--line);background:none;text-align:left;font-weight:750;color:var(--ink);cursor:pointer}
    .drawer-toggle:after{content:"+";float:right;color:var(--navy)}
    .drawer-toggle.active:after{content:"−"}
    .drawer-submenu{display:none;padding:5px 0 8px 14px}
    .drawer-submenu.open{display:grid}
    .drawer-submenu a{padding:8px 0;color:var(--muted);font-size:14px}
    .footer{background:var(--navy-dark);color:#cbd7eb;padding:58px 0 22px}
    .footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:38px}
    .footer-brand strong{color:#fff;font-size:20px}
    .footer p{font-size:13px;max-width:340px;color:#aebdd5}
    .footer h3{font-size:13px;color:#fff;text-transform:uppercase;letter-spacing:.1em;margin:2px 0 16px}
    .footer-grid>div:not(.footer-brand){display:grid;align-content:start;gap:8px}
    .footer-grid a{font-size:13px;color:#cbd7eb}
    .footer-grid a:hover{color:#fff}
    .footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:38px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;font-size:12px;color:#93a6c3}

    .tools-page{padding:0 0 90px}
    .tools-hero{padding:76px 0 62px;background:linear-gradient(135deg,#071f4c 0%,#0B3D91 62%,#174fa8 100%);color:#fff;position:relative;overflow:hidden}
    .tools-hero:after{content:"";position:absolute;width:420px;height:420px;border:1px solid rgba(255,255,255,.13);border-radius:50%;right:-110px;top:-180px;box-shadow:0 0 0 30px rgba(255,255,255,.04),0 0 0 60px rgba(255,255,255,.025)}
    .tools-hero-inner{position:relative;z-index:1;text-align:center;max-width:760px;margin:auto}
    .eyebrow{display:inline-flex;align-items:center;gap:8px;color:#f1d48b;font-size:12px;text-transform:uppercase;letter-spacing:.14em;font-weight:850}
    .eyebrow:before{content:"";width:28px;height:2px;background:var(--gold)}
    .tools-hero h1{font-size:clamp(38px,6vw,68px);line-height:1.03;letter-spacing:-.05em;margin:18px 0 17px}
    .tools-hero p{margin:0 auto;color:#dce7f8;font-size:18px;max-width:650px}
    .tools-hero-note{display:flex;justify-content:center;flex-wrap:wrap;gap:10px;margin-top:28px}
    .hero-pill{border:1px solid rgba(255,255,255,.24);border-radius:999px;padding:8px 14px;color:#f4f7fc;font-size:12px;background:rgba(255,255,255,.07)}
    .tools-content{margin-top:-28px;position:relative;z-index:2}
    .tools-intro{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:25px 28px;display:flex;align-items:center;justify-content:space-between;gap:25px}
    .tools-intro h2{margin:0 0 5px;font-size:22px;color:var(--navy-dark)}
    .tools-intro p{margin:0;color:var(--muted);font-size:14px}
    .tools-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}
    .tool-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;display:flex;flex-direction:column;min-height:245px;transition:.2s ease;box-shadow:0 8px 24px rgba(7,31,76,.05)}
    .tool-card:hover{transform:translateY(-5px);border-color:#9ab3da;box-shadow:var(--shadow)}
    .tool-icon{width:52px;height:52px;display:grid;place-items:center;border-radius:14px;background:#edf3fc;margin-bottom:18px}
    .tool-icon img{width:32px;height:32px;object-fit:contain}
    .tool-card h3{margin:0 0 8px;font-size:19px;color:var(--navy-dark)}
    .tool-card p{margin:0;color:var(--muted);font-size:14px;line-height:1.6}
    .tool-card-footer{margin-top:auto;padding-top:20px;display:flex;align-items:center;justify-content:space-between;border-top:1px solid #edf0f5}
    .tool-link{font-size:13px;font-weight:850;color:var(--navy)}
    .tool-link:after{content:" →";color:var(--red)}
    .tool-label{font-size:11px;color:#8792a5;text-transform:uppercase;letter-spacing:.08em}
    .responsible-panel{margin-top:42px;border-radius:var(--radius);padding:29px 32px;background:#fff8e9;border:1px solid #edd59b;display:grid;grid-template-columns:1fr auto;align-items:center;gap:24px}
    .responsible-panel h2{margin:0 0 5px;color:#513d14;font-size:21px}
    .responsible-panel p{margin:0;color:#6e5a2a;font-size:14px}
    .secondary-btn{display:inline-block;border:1px solid var(--navy);color:var(--navy);border-radius:999px;padding:10px 17px;font-weight:800;font-size:13px;background:#fff}
    .secondary-btn:hover{background:var(--navy);color:#fff}
    @media(max-width:1000px){
      .main-nav{display:none}
      .hamburger{display:block}
      .footer-grid{grid-template-columns:repeat(2,1fr)}
      .tools-grid{grid-template-columns:repeat(2,1fr)}
    }
    @media(max-width:650px){
      .container{width:min(100% - 28px,1180px)}
      .topbar .container{padding:8px 0;align-items:flex-start}
      .topbar-links span{display:none}
      .topbar-links{gap:10px;flex-direction:column;align-items:flex-end}
      .header-inner{min-height:68px;gap:10px}
      .member-link{display:none}
      .account-link{padding:9px 13px;font-size:12px}
      .tools-hero{padding:58px 0 70px}
      .tools-hero p{font-size:16px}
      .tools-intro{display:block;padding:22px}
      .tools-intro .primary-btn{display:inline-block;margin-top:18px}
      .tools-grid{grid-template-columns:1fr;gap:14px}
      .responsible-panel{grid-template-columns:1fr;padding:24px}
      .footer-grid{grid-template-columns:1fr;gap:25px}
      .footer-bottom{display:grid}
    }