* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
  }

  body {
    font-family: 'Inter', sans-serif;
    background-color: #fafcfc;
    color: #1A2C3E;
    line-height: 1.5;
    scroll-behavior: smooth;
  }

  /* Utility classes */
  .container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 32px;
  }

  .section {
    padding: 80px 0;
  }

  .section-sm {
    padding: 60px 0;
  }

  .bg-light {
    background-color: #F4F9FC;
  }

  .bg-white {
    background-color: #ffffff;
  }

  .text-center {
    text-align: center;
  }

  /* Buttons */
  .btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 12px 28px;
    border-radius: 40px;
    font-weight: 600;
    font-size: 1rem;
    text-decoration: none;
    transition: all 0.25s ease;
    cursor: pointer;
    border: none;
    background: none;
  }

  .btn-primary {
    background-color: #0F4C5F;
    color: white;
    box-shadow: 0 2px 6px rgba(0,0,0,0.05);
  }

  .btn-primary:hover {
    background-color: #0B3E4E;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(15,76,95,0.2);
  }

  .btn-outline {
    border: 2px solid #0F4C5F;
    color: #0F4C5F;
    background: transparent;
  }

  .btn-outline:hover {
    background-color: #0F4C5F;
    color: white;
    transform: translateY(-2px);
  }

  /* Navigation */
  .navbar {
    background-color: white;
    padding: 18px 0;
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 15px rgba(0,0,0,0.03);
    border-bottom: 1px solid #eef2f4;
  }

  .nav-wrapper {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
  }

  .logo {
    font-size: 1.7rem;
    font-weight: 700;
    letter-spacing: -0.02em;
    color: #0F4C5F;
    text-decoration: none;
  }

  .logo span {
    font-weight: 500;
    color: #CF8E3C;
  }

  .nav-links {
    display: flex;
    gap: 32px;
    align-items: center;
    list-style: none;
  }

  .nav-links a {
    text-decoration: none;
    font-weight: 500;
    color: #1e3a44;
    transition: color 0.2s;
  }

  .nav-links a:hover {
    color: #CF8E3C;
  }

  .mobile-menu {
    display: none;
    font-size: 1.7rem;
    cursor: pointer;
    color: #0F4C5F;
  }

  /* Hero Section */
  .hero {
    background: linear-gradient(135deg, #EFF7FA 0%, #ffffff 100%);
    padding: 80px 0 70px;
  }

  .hero-grid {
    display: flex;
    align-items: center;
    gap: 50px;
    flex-wrap: wrap;
  }

  .hero-content {
    flex: 1.2;
  }

  .hero-badge {
    background: rgba(15,76,95,0.12);
    color: #0F4C5F;
    padding: 6px 14px;
    border-radius: 40px;
    font-size: 0.85rem;
    font-weight: 600;
    display: inline-block;
    margin-bottom: 24px;
  }

  .hero-content h1 {
    font-size: 3.5rem;
    font-weight: 700;
    line-height: 1.2;
    letter-spacing: -0.02em;
    color: #0A2E3A;
    margin-bottom: 20px;
  }

  .hero-content p {
    font-size: 1.2rem;
    color: #3E5A66;
    margin-bottom: 32px;
    max-width: 90%;
  }

  .hero-stats {
    display: flex;
    gap: 32px;
    margin-top: 36px;
  }

  .stat-item h3 {
    font-size: 1.9rem;
    font-weight: 700;
    color: #0F4C5F;
  }

  .hero-image {
    flex: 1;
    background: url('https://placehold.co/600x500/eef2f4/0F4C5F?text=Broker+Insight') no-repeat center;
    background-size: cover;
    border-radius: 28px;
    min-height: 380px;
    box-shadow: 0 25px 35px -12px rgba(0,0,0,0.1);
    transition: transform 0.3s;
  }

  /* Insights section (main clone content) */
  .insights-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 50px;
  }

  .insights-header h2 {
    font-size: 2.5rem;
    font-weight: 700;
    color: #0A2E3A;
    margin-bottom: 16px;
  }

  .insights-header p {
    color: #5F7F8C;
    font-size: 1.1rem;
  }

  .insight-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 32px;
  }

  .card {
    background: white;
    border-radius: 24px;
    padding: 32px 28px;
    transition: all 0.3s ease;
    box-shadow: 0 10px 25px -8px rgba(0,0,0,0.05);
    border: 1px solid #e9f0f2;
  }

  .card:hover {
    transform: translateY(-8px);
    box-shadow: 0 25px 35px -14px rgba(15,76,95,0.15);
    border-color: #d5e4e8;
  }

  .card-icon {
    font-size: 2.8rem;
    color: #CF8E3C;
    margin-bottom: 20px;
  }

  .card h3 {
    font-size: 1.6rem;
    font-weight: 600;
    margin-bottom: 12px;
    color: #1A3B47;
  }

  .card p {
    color: #4A6B7A;
    margin-bottom: 20px;
  }

  .read-more {
    color: #0F4C5F;
    font-weight: 600;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: gap 0.2s;
  }

  .read-more i {
    font-size: 0.85rem;
  }

  .read-more:hover {
    gap: 12px;
    color: #CF8E3C;
  }

  /* Services / features */
  .services {
    background: #FFFFFF;
  }

  .section-title {
    font-size: 2.2rem;
    font-weight: 700;
    margin-bottom: 20px;
    text-align: center;
    color: #0A2E3A;
  }

  .services-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 28px;
    justify-content: center;
    margin-top: 40px;
  }

  .service-item {
    background: #F9FDFF;
    border-radius: 28px;
    padding: 28px 24px;
    flex: 1 1 250px;
    text-align: center;
    transition: all 0.2s;
    border: 1px solid #E2EDF0;
  }

  .service-item i {
    font-size: 2.2rem;
    background: #EFF4F7;
    padding: 16px;
    border-radius: 60px;
    color: #0F4C5F;
    margin-bottom: 20px;
  }

  /* Testimonial */
  .testimonial {
    background-color: #0F4C5F;
    color: white;
  }

  .testimonial-container {
    max-width: 800px;
    margin: 0 auto;
    text-align: center;
  }

  .testimonial i {
    font-size: 3rem;
    color: #CF8E3C;
    opacity: 0.7;
    margin-bottom: 20px;
  }

  .testimonial p {
    font-size: 1.4rem;
    font-weight: 500;
    line-height: 1.4;
    margin-bottom: 28px;
  }

  .client-name {
    font-weight: 600;
    letter-spacing: 0.5px;
    color: #FFE3B5;
  }

  /* CTA Section */
  .cta-section {
    background: linear-gradient(120deg, #EDF5F8, #ffffff);
    border-radius: 48px;
    margin: 40px auto;
    padding: 56px 48px;
    text-align: center;
  }

  .cta-section h3 {
    font-size: 2rem;
    margin-bottom: 16px;
  }

  /* Footer */
  footer {
    background: #0A2E3A;
    color: #CCDFE5;
    padding: 60px 0 30px;
    margin-top: 20px;
  }

  .footer-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 40px;
    margin-bottom: 40px;
  }

  .footer-col h4 {
    color: white;
    margin-bottom: 20px;
    font-weight: 600;
    font-size: 1.2rem;
  }

  .footer-col p, .footer-col a {
    color: #B9D0D8;
    text-decoration: none;
    line-height: 1.8;
    display: block;
    margin-bottom: 8px;
    transition: color 0.2s;
  }

  .footer-col a:hover {
    color: #CF8E3C;
  }

  .social-icons {
    display: flex;
    gap: 18px;
    margin-top: 16px;
  }

  .social-icons a {
    font-size: 1.4rem;
    background: rgba(255,255,255,0.08);
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }

  .copyright {
    text-align: center;
    padding-top: 32px;
    border-top: 1px solid #254f5e;
    font-size: 0.85rem;
  }

  /* responsive */
  @media (max-width: 900px) {
    .container {
      padding: 0 24px;
    }
    .hero-content h1 {
      font-size: 2.6rem;
    }
    .hero-grid {
      flex-direction: column;
    }
    .nav-links {
      display: none;
      flex-direction: column;
      width: 100%;
      background: white;
      padding: 20px 0;
      gap: 18px;
    }
    .nav-links.show {
      display: flex;
    }
    .mobile-menu {
      display: block;
    }
    .nav-wrapper {
      flex-wrap: wrap;
    }
    .hero-image {
      width: 100%;
      min-height: 280px;
    }
    .insight-cards {
      grid-template-columns: 1fr;
    }
    .section {
      padding: 60px 0;
    }
    .cta-section {
      padding: 40px 24px;
    }
  }

  @media (max-width: 550px) {
    .hero-content h1 {
      font-size: 2rem;
    }
    .hero-stats {
      flex-direction: column;
      gap: 12px;
    }
  }