.wrap{
    width: min(1120px, 100%);
    margin: 0 auto;
  }

  .home{ background: var(--bg); }

  /* HERO */
  .hero{
    position: relative;
    padding: 48px 0 28px;
    background:
      radial-gradient(1100px 480px at 10% -10%, rgba(31,111,154,.16), transparent 60%),
      radial-gradient(900px 420px at 95% 0%, rgba(214,162,26,.14), transparent 60%),
      linear-gradient(180deg, var(--surface), var(--bg));
    border-bottom: 1px solid var(--border);
  }

  .hero-grid{
    display: grid;
    grid-template-columns: 1.25fr .95fr;
    gap: 18px;
    align-items: start;
  }

  .kicker{
    display: inline-block;
    margin: 0 0 10px 0;
    padding: 6px 10px;
    border-radius: 999px;
    font-weight: 900;
    letter-spacing: .06em;
    text-transform: uppercase;
    color: var(--asefh-blue-dark);
    background: rgba(31,111,154,.12);
  }

  .hero h1{
    margin: 0 0 10px 0;
    font-size: clamp(30px, 3.4vw, 46px);
    color: var(--text);
    line-height: 1.12;
  }

  .hero-text{
    margin: 0 0 16px 0;
    color: var(--muted);
    line-height: 1.75;
    max-width: 60ch;
  }

  .hero-actions{
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
    margin-bottom: 18px;
  }

  .btn{
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 10px 14px;
    border-radius: 14px;
    text-decoration: none;
    font-weight: 900;
    border: 1px solid transparent;
    transition: transform .15s ease, border-color .15s ease;
  }

  .btn.primary{
    background: var(--asefh-blue-dark);
    color: #fff;
    border-color: rgba(11,60,93,.25);
  }

  .btn.secondary{
    background: rgba(31,111,154,.12);
    color: var(--asefh-blue-dark);
    border-color: rgba(31,111,154,.22);
  }

  .btn.ghost{
    background: transparent;
    color: var(--asefh-blue-dark);
    border-color: var(--border);
  }

  .btn:hover{ transform: translateY(-1px); }

  .btn.full{ width: 100%; margin-top: 10px; }

  .hero-metrics{
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
    max-width: 720px;
  }

  .metric{
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 16px;
    box-shadow: var(--shadow);
    padding: 12px;
    position: relative;
    overflow: hidden;
  }

  .metric::before{
    content:"";
    position:absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, var(--asefh-blue-dark), var(--asefh-gold));
  }

  .metric-num{
    display:block;
    font-size: 22px;
    font-weight: 900;
    color: var(--asefh-blue-dark);
    margin-bottom: 2px;
  }

  .metric-label{
    display:block;
    color: var(--muted);
    font-size: 13px;
    line-height: 1.3;
  }

  /* HERO CARD */
  .hero-card{
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 22px;
    box-shadow: var(--shadow);
    padding: 16px;
    position: sticky;
    top: 16px;
  }

  .hero-card-top{
    display:flex;
    align-items:center;
    justify-content: space-between;
    gap: 10px;
    margin-bottom: 10px;
  }

  .pill{
    display:inline-flex;
    padding: 6px 10px;
    border-radius: 999px;
    font-weight: 900;
    color: var(--asefh-blue-dark);
    background: rgba(214,162,26,.16);
    border: 1px solid rgba(214,162,26,.28);
  }

  .dot{
    width: 10px;
    height: 10px;
    border-radius: 999px;
    background: var(--asefh-gold);
    box-shadow: 0 0 0 4px rgba(214,162,26,.18);
  }

  .hero-card-title{ margin: 0 0 6px 0; font-size: 18px; }
  .hero-card-text{ margin: 0 0 12px 0; color: var(--muted); line-height: 1.7; }

  .quick-links{
    display: grid;
    gap: 10px;
  }

  .q{
    text-decoration:none;
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 10px 12px;
    background: var(--field-bg);
  }

  .q-title{
    display:block;
    font-weight: 900;
    color: var(--text);
    margin-bottom: 2px;
  }

  .q-desc{
    display:block;
    color: var(--muted);
    font-size: 13px;
  }

  .hero-wave{
    height: 10px;
    margin-top: 26px;
    background: linear-gradient(90deg, var(--asefh-blue-dark), var(--asefh-gold));
    opacity: .9;
  }

  /* SECTIONS */
  .section{ padding: 56px 0; }
  .section.alt{ background: linear-gradient(180deg, var(--surface), var(--bg)); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }

  .section-head{ max-width: 820px; margin-bottom: 16px; }
  .eyebrow{
    display:inline-block;
    margin: 0 0 10px 0;
    padding: 6px 10px;
    border-radius: 999px;
    font-weight: 900;
    letter-spacing: .06em;
    text-transform: uppercase;
    color: var(--asefh-blue-dark);
    background: rgba(31,111,154,.12);
  }

  .section-head h2{ margin: 0 0 8px 0; font-size: clamp(24px, 2.6vw, 34px); }
  .lead{ margin: 0; color: var(--muted); line-height: 1.7; }

  .cards-3{
    display: grid;
    grid-template-columns: repeat(12, 1fr);
    gap: 12px;
    margin-top: 16px;
  }

  .card{
    grid-column: span 4;
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 22px;
    box-shadow: var(--shadow);
    padding: 16px;
    position: relative;
    overflow: hidden;
  }

  .card::before{
    content:"";
    position:absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, var(--asefh-blue-dark), var(--asefh-gold));
  }

  .card h3{ margin: 6px 0 8px 0; font-size: 18px; }
  .card p{ margin: 0 0 12px 0; color: var(--muted); line-height: 1.7; }
  .link{ font-weight: 900; color: var(--asefh-blue-dark); text-decoration: none; }

  /* STEPS */
  .steps{ display: grid; gap: 12px; margin-top: 16px; }
  .step{
    display: grid;
    grid-template-columns: 40px 1fr;
    gap: 12px;
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 22px;
    box-shadow: var(--shadow);
    padding: 14px;
    position: relative;
    overflow: hidden;
  }
  .step::before{
    content:"";
    position:absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, var(--asefh-blue-dark), var(--asefh-gold));
  }
  .step-num{
    width: 40px; height: 40px;
    border-radius: 14px;
    display: grid; place-items: center;
    font-weight: 900;
    color: var(--asefh-blue-dark);
    background: rgba(214,162,26,.16);
    border: 1px solid rgba(214,162,26,.28);
  }
  .step-body h3{ margin: 2px 0 6px 0; }
  .step-body p{ margin: 0; color: var(--muted); line-height: 1.7; }

  /* CTA */
  .cta{ padding: 56px 0; }
  .cta-box{
    background: linear-gradient(90deg, rgba(11,60,93,.10), rgba(214,162,26,.10));
    border: 1px solid var(--border);
    border-radius: 22px;
    box-shadow: var(--shadow);
    padding: 18px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    flex-wrap: wrap;
  }
  .cta-box h2{ margin: 0 0 6px 0; font-size: 22px; }
  .cta-box p{ margin: 0; color: var(--muted); line-height: 1.6; }
  .cta-actions{ display:flex; gap: 10px; flex-wrap: wrap; }

  @media (max-width: 980px){
    .hero-grid{ grid-template-columns: 1fr; }
    .hero-card{ position: relative; top: 0; }
    .metric{ box-shadow: var(--shadow); }
  }

  @media (max-width: 860px){
    .cards-3 .card{ grid-column: span 12; }
    .hero-metrics{ grid-template-columns: 1fr; }
  }