:root{--blue:#0070c9;--navy:#13213c;--muted:#64748b}*{box-sizing:border-box}body{margin:0;background:#f7f9fc;color:#1f2937;font:14px system-ui,-apple-system,sans-serif}a{text-decoration:none;color:var(--blue)}#sidebar{position:fixed;width:242px;height:100vh;background:#fff;border-right:1px solid #e5e7eb;padding:24px 16px;display:flex;flex-direction:column;z-index:10}.brand{display:flex;flex-direction:column;gap:18px;color:var(--navy);padding:0 12px 25px}.brand img{width:130px;height:58px;object-fit:contain}.caption{color:#94a3b8;font-size:10px;letter-spacing:1.4px;margin:12px}.navitem{padding:11px 14px;color:#64748b;margin:2px 0;border-radius:8px}.navitem:hover,.navitem.active{background:#eaf4ff;color:var(--blue)}.sidebar-footer{margin-top:auto;padding:20px 12px;color:#64748b;font-size:11px}.workspace{margin-left:242px}header{height:78px;border-bottom:1px solid #e5e7eb;background:white;display:flex;align-items:center;justify-content:space-between;padding:0 32px;gap:12px}main{max-width:1440px;margin:auto;padding:32px}h1{font-size:28px;color:var(--navy);font-weight:650}h2{font-size:18px;color:var(--navy)}.subtitle{color:var(--muted);margin:8px 0 25px}.card{border:1px solid #e5e7eb;border-radius:12px;padding:24px;box-shadow:0 2px 4px #13213c03;margin-bottom:24px}.metric{font-size:28px;font-weight:650;color:var(--navy);margin-top:8px}.metric-label{color:var(--muted);font-size:12px}.btn-primary{background:var(--blue);border-color:var(--blue)}.form-control,.form-select{min-height:44px;border-radius:8px;font-size:14px}.form-label{font-size:12px;color:var(--muted);margin-top:12px}.table{font-size:13px}.table th{font-weight:550;color:var(--muted);background:#f7f9fc;white-space:nowrap}.table td,.table th{padding:14px 12px;vertical-align:middle}.amount{font-variant-numeric:tabular-nums;white-space:nowrap;text-align:right}.hero{padding:65px 0;max-width:1000px}.hero h1{font-size:52px;max-width:750px;line-height:1.14}.hero p{font-size:18px;color:var(--muted);max-width:640px;line-height:1.7}.eyebrow{font-size:12px;letter-spacing:1.3px;color:var(--blue);font-weight:bold}.public main{max-width:1120px}.public header{padding:0 5%}.mobile{display:none}footer{padding:16px 32px;color:#94a3b8;font-size:12px}.empty{text-align:center;color:var(--muted);padding:35px}.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}label{display:block}.form-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0 18px}.small-note{font-size:12px;color:var(--muted)}@media(max-width:1000px){.grid{grid-template-columns:repeat(2,1fr)}.form-grid{grid-template-columns:repeat(2,1fr)}header div a{font-size:12px}}@media(max-width:760px){#sidebar{display:none}#sidebar.open{display:flex;box-shadow:8px 0 40px #13213c33}.workspace{margin-left:0}main{padding:20px}header{padding:12px;height:auto;min-height:72px;flex-wrap:wrap}.mobile{display:inline-block}.grid,.form-grid{grid-template-columns:1fr}.hero h1{font-size:36px}.card{padding:18px}.table-responsive{overflow:auto}}
#sidebar{overflow-y:auto}.sidebar-footer{padding-bottom:8px}.navitem{padding:9px 14px;font-size:13px}.nav-overlay{display:none}.public-nav{display:flex;gap:22px;flex:1;margin-left:25px}.account-menu{display:flex;align-items:center;gap:8px;flex-wrap:wrap}.hero-grid{display:grid;grid-template-columns:1.35fr 1fr;gap:36px;max-width:none;align-items:center}.hero h1{font-size:46px}.hero-preview{background:linear-gradient(145deg,#fff,#eff7ff);border:1px solid #cee5ff;box-shadow:0 16px 40px #13213c0a}.preview-row{display:flex;gap:16px;margin-top:28px;align-items:center}.preview-row span,.step-number{background:#e5f1ff;color:#0070c9;border-radius:10px;width:38px;height:38px;display:flex;align-items:center;justify-content:center;font-weight:700;flex-shrink:0}.preview-row small{display:block;color:#64748b;margin-top:4px}.section-block{padding-top:44px;padding-bottom:30px}.feature-card{min-height:145px}.step-number{margin-bottom:18px}.plan-card{margin-bottom:0}.plan-card h2{font-size:16px;min-height:45px}.plan-features{padding-left:18px;font-size:13px;line-height:1.7;margin-top:18px}.plan-features li{margin-bottom:6px}.faq{border-bottom:1px solid #e5e7eb;padding:20px 0;max-width:920px}.faq summary{font-size:16px;color:#13213c;font-weight:600}.cta-panel{padding:38px;background:#0070c9;color:white;border-radius:16px;margin:48px 0 12px}.cta-panel h1{color:white}.guide-banner{background:#edf6ff}.payment-instructions{white-space:pre-wrap;padding:20px;border:1px solid #e5e7eb;border-radius:8px;background:#f7f9fc}.filter-bar{display:flex;gap:12px;flex-wrap:wrap;align-items:end}.filter-bar label{flex:1;min-width:140px}.filter-bar .btn{margin-bottom:0}.muted-tip{background:#edf6ff;padding:14px 18px;border-radius:8px;color:#355573;font-size:13px;margin-bottom:24px}@media(max-width:1000px){.hero-grid{grid-template-columns:1fr}.hero-preview{max-width:650px}.public-nav{gap:12px;margin-left:0}}@media(max-width:760px){.public-nav{flex-basis:100%;order:3;font-size:13px;padding:8px 0}.account-menu>a{font-size:12px}.hero h1{font-size:34px}.nav-overlay.show{display:block;position:fixed;inset:0;background:#13213c55;z-index:9}body.nav-open{overflow:hidden}.hero{padding:36px 0}.cta-panel{padding:24px}.filter-bar label{min-width:100%}}

/* IST Finance v3.1 — brand, public experience and responsive layout */
:root{--finance-blue:#0070c9;--finance-deep:#102c4c;--finance-border:#dce8f2;--finance-muted:#50657b}
html{scroll-behavior:smooth;scroll-padding-top:102px}
body{color:#19344d;font-size:14px;background:#f7fafc;line-height:1.6}
button,a{touch-action:manipulation}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #6eb9ec;outline-offset:3px}
.skip-link{position:fixed;top:-90px;left:12px;z-index:200;background:#fff;color:#084c94;padding:12px 20px;border-radius:8px}.skip-link:focus{top:12px}
.site-header{height:80px;min-height:80px;padding:0 26px;position:sticky;top:0;z-index:25;background:rgba(255,255,255,.98);border-bottom:1px solid var(--finance-border);box-shadow:0 2px 16px rgba(14,45,76,.04);flex-wrap:nowrap}
.workspace-header{margin:0;gap:18px;z-index:8}
.workspace-title{font-weight:650;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:55%}
.workspace-account{display:flex;gap:10px;align-items:center;min-width:0;margin-left:auto;flex-wrap:nowrap}
.workspace-user{display:inline-block;max-width:230px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;font-size:12px;color:var(--finance-muted)}
#sidebar{height:100dvh;width:252px;min-width:252px;padding:18px 13px 12px;background:#fff;border-color:var(--finance-border)}
#sidebar .brand{gap:9px;padding:7px 9px 14px;align-items:flex-start}
#sidebar .brand img{height:auto;width:min(198px,100%);object-fit:contain}
#sidebar .brand strong{font-size:12px;letter-spacing:.02em}
#sidebar .navitem{white-space:nowrap;overflow:hidden;text-overflow:ellipsis;min-height:40px;display:flex;align-items:center;font-weight:550}
.workspace{margin-left:252px;min-width:0}
.workspace main{width:100%;max-width:1440px;margin:auto}
.site-footer{line-height:1.55}
.workspace .site-footer{margin-left:0}
/* desktop public masthead: no navigation wrap */
.public{min-width:0;background:#fff}
.public .marketing-header{padding:0 clamp(18px,3.8vw,64px);gap:24px;justify-content:space-between;flex-wrap:nowrap}
.public-brand{display:flex;align-items:center;gap:10px;flex:0 0 auto;max-width:280px;color:#0a4777}
.public-brand img{width:clamp(145px,16vw,194px);height:auto;object-fit:contain}
.product-label{font-size:14px;letter-spacing:-.02em;font-weight:800;color:#075c9e;border-left:1px solid #dbe5ee;padding-left:12px}
.public-menu-wrap{display:flex;align-items:center;justify-content:flex-end;gap:clamp(14px,2.1vw,30px);flex:1;min-width:0}
.public .public-nav{display:flex;align-items:center;gap:clamp(8px,1.45vw,26px);margin:0;padding:0;flex:0 1 auto;min-width:0;flex-basis:auto;order:unset}
.public-nav a{font-size:13px;font-weight:650;color:#375472;white-space:nowrap;padding:9px 3px;border-radius:3px}
.public-nav a:hover,.public-nav a[aria-current="page"]{color:#0070c9}
.public-nav a[aria-current="page"]{box-shadow:inset 0 -2px #0070c9}
.public-actions{display:flex;gap:8px;align-items:center;white-space:nowrap;flex:0 0 auto}
.public-actions .btn{font-size:12px;font-weight:700;white-space:nowrap;padding:10px 14px;border-radius:9px}
.public-toggle{display:none;border:1px solid #dbe5ef;background:#f3f8fc;color:#075a9a;border-radius:9px;padding:8px 12px;font-weight:700}
.public main{max-width:1200px;padding:20px clamp(20px,3.5vw,40px) 60px;margin:0 auto}
.public h1,.public h2,.public h3{color:var(--finance-deep)}
.public h1{font-size:clamp(30px,4.3vw,56px);font-weight:760;letter-spacing:-.035em;line-height:1.14}
.public h2{font-size:clamp(25px,3vw,35px);font-weight:740;letter-spacing:-.028em;line-height:1.23}
.public h3{font-size:17px;font-weight:730;line-height:1.3}
.public p{line-height:1.76}
.public .eyebrow{letter-spacing:.13em;font-size:11px;color:#0070c9;font-weight:800}
.finance-hero{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);align-items:center;gap:54px;padding:64px 0 54px}
.finance-hero h1{margin:18px 0 20px;max-width:610px}
.finance-hero .hero-lead{font-size:17px;max-width:560px;color:var(--finance-muted)}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.hero-cta .btn{border-radius:10px;font-size:14px;font-weight:650;padding:13px 22px}
.finance-hero-preview{background:linear-gradient(150deg,#eff8ff,#fff 65%);border:1px solid #d2e9fa;border-radius:20px;padding:28px;box-shadow:0 20px 60px rgba(18,82,132,.1);min-width:0;overflow:hidden}
.preview-top{display:flex;gap:11px;align-items:center;color:#2b5274;font-size:12px}
.preview-dot{width:11px;height:11px;border-radius:100%;background:#0070c9;box-shadow:0 0 0 5px #e5f3ff}
.preview-label{margin-left:auto;font-size:10px;color:#617c94;text-align:right}
.preview-stat{background:#fff;border:1px solid #e0edf6;border-radius:14px;margin-top:25px;padding:23px}
.preview-stat small{display:block;font-size:12px;color:#668198}.preview-stat strong{display:block;font-size:22px;color:var(--finance-deep);line-height:1.45;margin-top:6px}
.preview-bars{padding:16px 4px 3px}.preview-bars div{margin:13px 0}.preview-bars span{display:block;font-size:12px;color:#58718b;margin-bottom:6px}.preview-bars b{display:block;max-width:100%;height:8px;background:linear-gradient(90deg,#0070c9,#39b9ea);border-radius:6px}
.preview-foot{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-top:18px}.preview-foot div{padding:10px 4px;color:#1682bb;font-size:12px;background:#e7f3fb;border-radius:9px;text-align:center}.preview-foot strong{color:#173e64;display:block}
.finance-hero-preview>.small-note{margin:18px 0 0}
.trust-strip{display:flex;gap:10px;flex-wrap:wrap;border-top:1px solid #e5edf3;border-bottom:1px solid #e5edf3;padding:22px 0;justify-content:space-between}.trust-strip span{font-size:12px;color:#49647c;font-weight:650}.trust-strip span:before{content:'✓';color:#0070c9;font-weight:800;margin-right:8px}
.marketing-section{padding:64px 0}.section-heading{text-align:center;max-width:700px;margin:0 auto 34px}.section-heading h2{margin:10px 0 12px}.section-heading>p{color:var(--finance-muted);font-size:15px}
.feature-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:15px}.feature-tile,.info-tile{border:1px solid #dce8f2;border-radius:14px;padding:23px 21px;background:#fff;transition:box-shadow .2s ease,transform .2s ease}.feature-tile:hover{box-shadow:0 12px 28px rgba(13,73,118,.07);transform:translateY(-2px)}.feature-tile h3,.info-tile h2{margin:15px 0 10px}.feature-tile p,.info-tile p{color:var(--finance-muted);font-size:13px;margin:0}.feature-symbol{width:39px;height:39px;display:flex;align-items:center;justify-content:center;background:#edf6fd;border-radius:10px;color:#0070c9;font-size:24px;font-weight:650}
.section-action{text-align:center;margin-top:26px}.section-action .btn{border-radius:9px;padding:11px 18px}
.contrast-section{background:#f4f9fd;border:1px solid #e2eef7;border-radius:20px;padding:48px 26px}
.journey-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}.journey-step{padding:22px;background:#fff;border:1px solid #dce9f3;border-radius:12px}.journey-step p{margin:9px 0 0;color:var(--finance-muted);font-size:13px}.journey-step h3{margin:19px 0 0}.step-circle{display:inline-flex;background:#e6f5ff;color:#0070c9;font-weight:760;border-radius:100%;align-items:center;justify-content:center;width:42px;height:42px}
.finance-split{display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:60px}.finance-split p{font-size:15px;color:var(--finance-muted)}.tick-list{padding:0;list-style:none;margin:20px 0 0}.tick-list li{padding:7px 0;color:#31506a;font-weight:550}.tick-list li:before{content:'✓';color:#0070c9;margin-right:11px;font-weight:900}.feature-side{background:#f6faff;border:1px solid #dfebf4;border-radius:16px;padding:25px}.side-heading{font-size:13px;font-weight:750;color:#0070c9;margin-bottom:14px}.side-row{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;border-bottom:1px solid #e0ebf4;padding:13px 0;font-size:12px}.side-row strong{white-space:nowrap;color:#244e6f}.side-row span{text-align:right;color:#55708a}
.public .plan-card{height:100%;margin-bottom:0}.public .plan-card .metric{font-size:25px}.public .plan-card h2{font-size:15px;min-height:38px}.public .plan-features{color:#34516c}
.faq-stack{max-width:930px;margin:0 auto}.faq{border-bottom:1px solid #dce9f3;padding:17px 6px;max-width:none}.faq summary{cursor:pointer;font-size:15px;color:#193a59}.faq p{color:var(--finance-muted);padding:0 12px;margin:12px 0 5px;font-size:14px}
.public .cta-panel{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:38px;border-radius:19px;margin:12px 0 44px;background:linear-gradient(120deg,#065899,#0070c9);color:#fff}.public .cta-panel h2{color:#fff;margin:9px 0}.public .cta-panel .eyebrow{color:#bbebff}.public .cta-panel p{margin:0;color:#e7f6ff}.public .cta-panel .btn{white-space:nowrap;border-radius:9px;font-weight:700}
.content-hero{text-align:center;margin:35px auto 10px;max-width:820px}.content-hero h1{margin:14px 0}.content-hero p{color:var(--finance-muted);font-size:17px}.info-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;max-width:1020px;margin:auto}.info-tile h2{font-size:18px;margin-top:0}.content-last{text-align:center;max-width:780px;margin:0 auto 25px;border-top:1px solid #e4edf5;padding:24px}.content-last p{color:var(--finance-muted)}
.site-footer{background:#f5f9fc;border-top:1px solid #e1ecf4;padding:40px clamp(20px,5vw,80px) 18px;font-size:13px;color:#59718a}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.25fr;gap:45px;max-width:1330px;margin:auto}.footer-grid h2{font-size:12px;text-transform:uppercase;letter-spacing:.07em;font-weight:800;color:#28496c;margin:7px 0 15px}.footer-grid a:not(.footer-brand){display:block;color:#486780;margin:8px 0}.footer-grid a:hover{color:#0070c9}.footer-brand{display:flex;align-items:flex-start;gap:8px;flex-direction:column;color:#07578b}.footer-brand img{width:175px;height:auto}.footer-brand strong{font-size:14px}.footer-grid p{margin:12px 0 0;max-width:300px}.footer-grid .footer-note{font-size:11px}.footer-bottom{text-align:center;border-top:1px solid #e0ebf3;max-width:1330px;margin:32px auto 0;padding-top:18px;color:#68819a;font-size:11px}.footer-workspace a{color:#0070c9}
@media(max-width:1250px){.public .marketing-header{gap:12px;padding-inline:22px}.public-brand img{width:152px}.product-label{font-size:12px;padding-left:8px}.public-nav a{font-size:12px}.public .public-nav{gap:10px}.public-actions .btn{padding:8px 10px;font-size:11px}.finance-hero{gap:30px}.feature-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:1050px){.public-toggle{display:flex;align-items:center;gap:8px;margin-left:auto}.public .marketing-header{height:76px;min-height:76px;position:sticky;flex-wrap:nowrap}.public-menu-wrap{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;box-shadow:0 15px 24px rgba(12,48,83,.12);border-bottom:1px solid #dce8f2;padding:16px 22px 22px;flex-direction:column;align-items:stretch;gap:15px}.public-menu-wrap.is-open{display:flex}.public .public-nav{display:flex;flex-direction:column;align-items:stretch;flex-basis:auto;gap:0;order:unset}.public-nav a{padding:12px;font-size:14px;border-radius:8px}.public-nav a[aria-current="page"]{background:#eef7ff;box-shadow:none}.public-actions{display:flex;flex-wrap:wrap}.public-actions .btn{font-size:13px}.journey-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.workspace-user{display:none}}
@media(max-width:860px){#sidebar{display:none}#sidebar.open{display:flex;position:fixed;top:0;left:0;bottom:0;z-index:90;box-shadow:8px 0 45px #102c4c44}.nav-overlay.show{display:block;position:fixed;inset:0;z-index:80;background:#102c4c77}.workspace{margin-left:0}.workspace-header{z-index:15}.workspace-header .mobile{display:inline-flex}.workspace-title{max-width:45%;font-size:13px}.finance-hero{grid-template-columns:1fr;gap:24px;padding:38px 0}.finance-hero-preview{max-width:650px}.finance-split{grid-template-columns:1fr;gap:20px}}
@media(max-width:640px){.public main{padding:12px 18px 38px}.public .marketing-header{padding:0 16px;height:70px;min-height:70px}.public-brand img{width:150px}.product-label{font-size:12px}.public .public-toggle{padding:7px 9px}.finance-hero h1{font-size:36px}.finance-hero .hero-lead{font-size:15px}.hero-cta .btn{width:100%;text-align:center}.finance-hero-preview{padding:20px}.preview-stat strong{font-size:18px}.trust-strip{justify-content:flex-start;gap:13px}.trust-strip span{font-size:11px}.marketing-section{padding:38px 0}.feature-grid,.journey-grid,.info-grid{grid-template-columns:1fr}.contrast-section{padding:25px 16px}.public .cta-panel{padding:24px;flex-direction:column;align-items:flex-start}.public .cta-panel .btn{width:100%;text-align:center}.footer-grid{grid-template-columns:1fr;gap:16px}.site-footer{padding:30px 21px 15px}.workspace-header{padding:10px 12px;gap:6px}.workspace-title{max-width:39%}.workspace-account .btn{font-size:11px;padding:5px 7px}.workspace main{padding:17px 13px}.card{padding:18px}.form-grid{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.feature-tile{transition:none}}