*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    :root {
      --g900: #0A2558; --g800: #0D3373; --g700: #1565C0; --g600: #1976D2;
      --g100: #BBDEFB; --g50: #E3F2FD; --gold: #E5A020; --gold-dark: #92700a; --gold-light: #FFF3CD;
      --white: #fff; --gray-50: #F8F9FB; --gray-100: #EEF0F4; --gray-200: #DDE1E9;
      --gray-400: #9AA3B5; --gray-600: #5A6379; --gray-700: #3E4660; --gray-900: #1A1F36;
      --green: #16A34A;
      --t: .2s ease; --radius: 12px; --shadow: 0 4px 24px rgba(10,37,88,.08);
      --shadow-lg: 0 12px 48px rgba(10,37,88,.14);
    }
    body { font-family: 'Poppins', sans-serif; color: var(--gray-900); background: var(--white); line-height: 1.6; }
    a { color: inherit; text-decoration: none; }
    img { max-width: 100%; display: block; }
    .container { max-width: 1200px; margin: 0 auto; padding: 0 28px; }

    /* ANN BAR */
    .ann-bar { background: var(--g900); color: rgba(255,255,255,.85); font-size: 12px; text-align: center; padding: 9px 24px; letter-spacing: .3px; }
    .ann-bar strong { color: var(--gold); }
    .ann-bar a { color: var(--gold); text-decoration: underline; }

    /* NAVBAR */
    .navbar { position: sticky; top: 0; z-index: 1000; background: rgba(255,255,255,.97); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-bottom: 1px solid var(--gray-100); transition: box-shadow var(--t); }
    .navbar.scrolled { box-shadow: 0 2px 24px rgba(0,0,0,.09); }
    .nav-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; }
    .nav-logo img { height: 42px; width: auto; }
    .nav-links { display: flex; align-items: center; gap: 0; list-style: none; }
    .nav-item { position: relative; }
    .nav-link { display: flex; align-items: center; gap: 5px; padding: 9px 14px; font-size: 13.5px; font-weight: 500; color: var(--gray-700); border-radius: 8px; transition: color var(--t), background var(--t); white-space: nowrap; cursor: pointer; }
    .nav-link:hover, .nav-link.active { color: var(--g700); background: var(--g50); }
    .nav-link.active { font-weight: 600; }
    .nav-chev { width: 12px; height: 12px; transition: transform var(--t); }
    .nav-item:hover .nav-chev { transform: rotate(180deg); }
    .dropdown { position: absolute; top: calc(100% + 6px); left: 0; min-width: 220px; background: var(--white); border: 1px solid var(--gray-100); border-radius: var(--radius); box-shadow: var(--shadow-lg); padding: 8px 0; opacity: 0; pointer-events: none; transform: translateY(-6px); transition: opacity var(--t), transform var(--t); }
    .dropdown::before { content: ''; position: absolute; top: -8px; left: 0; right: 0; height: 8px; }
    .dropdown-item { position: relative; }
    .dropdown-item > a { display: flex; align-items: center; justify-content: flex-start; gap: 8px; }
    .dropdown-item > a svg.sub-chev { width: 11px; height: 11px; flex-shrink: 0; margin-left: auto; transform: rotate(-90deg); opacity: .6; }
    .submenu {
      position: absolute; top: -8px; left: calc(100% + 2px); min-width: 300px;
      background: #fff; border: 1px solid #DDE1E9; border-radius: 18px;
      box-shadow: 0 12px 48px rgba(0,0,0,.13); padding: 14px 8px;
      opacity: 0; pointer-events: none; transform: translateX(-6px);
      transition: opacity .22s ease, transform .22s ease;
      z-index: 210;
    }
    .dropdown-item.hover-open .submenu { opacity: 1; pointer-events: all; transform: none; }
    .submenu-label { font-size: 10.5px; font-weight: 700; letter-spacing: 1.1px; text-transform: uppercase; color: #9AA3B5; padding: 4px 12px 8px; }
    .submenu a { display: block; padding: 9px 12px; font-size: 13.5px; color: #3E4660; border-radius: 8px; transition: background .2s, color .2s; }
    .submenu a:hover { background: #E3F2FD; color: #1565C0; }
    .submenu-divider { height: 1px; background: #EEF0F4; margin: 8px 4px; }
    .dropdown a { display: flex; align-items: center; gap: 8px; padding: 9px 14px; font-size: 13.5px; color: var(--gray-700); border-radius: 8px; transition: all var(--t); cursor: pointer; }
    .dropdown a::before { content: ''; width: 5px; height: 5px; border-radius: 50%; background: var(--g200); flex-shrink: 0; transition: background var(--t); }
    .dropdown a:hover { background: var(--g50); color: var(--g700); }
    .dropdown a:hover::before { background: var(--gold); }
    .nav-item.hover-open .dropdown { opacity: 1; pointer-events: all; transform: none; }
    .nav-right { display: flex; align-items: center; gap: 16px; }
    .btn { display: inline-flex; align-items: center; gap: 8px; padding: 10px 22px; border-radius: 8px; font-family: inherit; font-weight: 500; font-size: 15px; cursor: pointer; transition: all var(--t); border: 2px solid transparent; }
    .btn-primary { background: var(--g700); border-color: var(--g700); color: #fff; }
    .btn-primary:hover { background: var(--g800); transform: translateY(-1px); }
    .btn-sm { padding: 10px 22px; font-size: 13.5px; }
    .btn-white { background: #fff; color: var(--g700); }
    .btn-white:hover { background: var(--g50); transform: translateY(-1px); }
    .btn-outline-white { border: 2px solid rgba(255,255,255,.4); color: #fff; background: transparent; }
    .btn-outline-white:hover { background: rgba(255,255,255,.1); }
    .hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 6px; }
    .hamburger span { display: block; width: 22px; height: 2px; background: var(--gray-700); border-radius: 2px; transition: all .3s; }
    .mobile-nav { display: grid; grid-template-rows: 0fr; background: var(--white); border-top: 1px solid var(--gray-100); transition: grid-template-rows .35s cubic-bezier(.22,.61,.36,1); overflow: hidden; }
    .mobile-nav.open { grid-template-rows: 1fr; }
    .mobile-nav-inner { overflow: hidden; padding: 0 28px; }
    .mobile-nav.open .mobile-nav-inner { padding: 12px 28px 24px; }
    .mobile-nav a { display: flex; align-items: center; gap: 10px; padding: 12px 0; font-size: 15px; font-weight: 500; color: var(--gray-700); border-bottom: 1px solid var(--gray-100); transition: color var(--t); }
    .mobile-nav a:hover { color: var(--g700); }
    .mobile-nav .m-cta { margin-top: 16px; }
    .mobile-nav .btn { width: 100%; justify-content: center; }
    .mobile-nav details summary { display: flex; align-items: center; justify-content: space-between; gap: 10px; padding: 12px 0; font-size: 15px; font-weight: 500; color: var(--gray-700); border-bottom: 1px solid var(--gray-100); cursor: pointer; list-style: none; }
    .mobile-nav details summary::-webkit-details-marker { display: none; }
    .mobile-nav details summary svg { width: 12px; height: 12px; transition: transform var(--t); }
    .mobile-nav details[open] summary svg { transform: rotate(180deg); }
    .mobile-nav details .sub-list { padding: 4px 0 8px 14px; }
    .mobile-nav details .sub-list a { border-bottom: none; padding: 8px 0; font-size: 13.5px; font-weight: 400; color: var(--gray-600); }
    .mobile-nav .sub-label { font-size: 10.5px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--gray-400); padding: 8px 0 2px; }

    /* HERO */
    .funds-hero { background: var(--white); padding: 64px 0 12px; text-align: center; }
    .funds-hero h1 { font-size: clamp(26px, 4vw, 38px); font-weight: 700; line-height: 1.25; color: var(--g900); max-width: 680px; margin: 0 auto 16px; }
    .funds-hero p { font-size: 15px; color: var(--gray-400); line-height: 1.7; max-width: 560px; margin: 0 auto; }

    /* GRID SECTION */
    .funds-section { padding: 40px 0 40px; }
    .fund-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
    .fund-card {
      background: var(--white); border: 1px solid var(--gray-100); border-top: 3px solid var(--g700);
      border-radius: var(--radius); padding: 24px 22px; box-shadow: var(--shadow);
      display: flex; flex-direction: column; transition: box-shadow var(--t), transform var(--t);
    }
    .fund-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
    .fund-card.islamic { border-top-color: var(--gold); }
    .fund-card-kind { font-size: 11px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: var(--g700); margin-bottom: 12px; }
    .fund-card.islamic .fund-card-kind { color: var(--gold-dark); }
    .fund-card h3 { font-size: 16px; font-weight: 700; color: var(--g900); line-height: 1.35; margin-bottom: 16px; }
    .fund-card-tag { display: inline-block; align-self: flex-start; background: var(--gray-100); color: var(--gray-600); font-size: 12px; font-weight: 500; padding: 6px 14px; border-radius: 20px; margin-top: auto; }

    .funds-disclaimer { text-align: center; font-size: 12px; color: var(--gray-400); font-style: italic; margin-top: 36px; }

    /* CTA */
    .cta-band { background: var(--g700); padding: 48px 24px; text-align: center; margin-top: 56px; }
    .cta-band h2 { font-size: clamp(18px, 3vw, 26px); font-weight: 700; color: #fff; margin-bottom: 10px; }
    .cta-band p { font-size: 14px; color: rgba(255,255,255,.7); margin-bottom: 24px; max-width: 500px; margin-left: auto; margin-right: auto; }
    .cta-actions { display: flex; align-items: center; justify-content: center; gap: 12px; flex-wrap: wrap; }

    /* FOOTER */
    .footer { background: var(--g900); color: rgba(255,255,255,.75); padding: 64px 0 0; }
    .footer-top { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.1); }
    .footer-logo img { height: 38px; width: auto; filter: brightness(0) invert(1); margin-bottom: 16px; }
    .footer-tagline { font-size: 13px; line-height: 1.7; color: rgba(255,255,255,.5); max-width: 240px; }
    .footer-col h4 { font-size: 11px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
    .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
    .footer-col ul a { font-size: 13.5px; color: rgba(255,255,255,.65); transition: color var(--t); }
    .footer-col ul a:hover { color: #fff; }
    .footer-address { font-size: 13px; line-height: 1.8; color: rgba(255,255,255,.55); margin-bottom: 20px; }
    .footer-contact-link { display: flex; align-items: center; gap: 8px; font-size: 13.5px; color: rgba(255,255,255,.75); margin-bottom: 10px; transition: color var(--t); }
    .footer-contact-link svg { width: 15px; height: 15px; flex-shrink: 0; }
    .footer-contact-link:hover { color: #fff; }
    .footer-bottom { display: flex; align-items: center; justify-content: space-between; padding: 20px 0; font-size: 12px; color: rgba(255,255,255,.3); flex-wrap: wrap; gap: 10px; }
    .footer-bottom-links { display: flex; gap: 20px; }
    .footer-bottom-links a { color: rgba(255,255,255,.3); transition: color var(--t); }
    .footer-bottom-links a:hover { color: rgba(255,255,255,.7); }

    /* RESPONSIVE */
    @media(max-width: 1024px) {
      .fund-grid { grid-template-columns: repeat(2, 1fr); }
    }
    @media(max-width: 900px) {
      .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
    }
    @media(max-width: 768px) {
      .nav-links, .nav-right .btn-sm { display: none; }
      .hamburger { display: flex; }
      .funds-hero { padding: 48px 0 40px; }
    }
    @media(max-width: 560px) {
      .fund-grid { grid-template-columns: 1fr; }
      .footer-top { grid-template-columns: 1fr; }
      .footer-bottom { flex-direction: column; text-align: center; }
    }
  
    @media (max-width: 768px) {
      .nav-right .btn-sm { display: none !important; }
    }
    .dropdown.dropdown-wide { min-width: 250px; }
    .hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
    .hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
    .hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }
    /* ── SHARED HOMEPAGE HEADER (accordion + drawer) ───────── */
    .mobile-nav {
      display: grid;
      grid-template-rows: 0fr;
      background: var(--white);
      border-top: 1px solid transparent;
      box-shadow: none;
      text-align: left;
      overflow: hidden;
      transition: grid-template-rows .35s cubic-bezier(.22,.61,.36,1),
                  box-shadow .35s ease,
                  border-color .35s ease;
    }
    .mobile-nav.open {
      grid-template-rows: 1fr;
      border-top-color: var(--gray-100);
      box-shadow: 0 14px 36px rgba(0,0,0,.10);
      max-height: 85vh;
    }
    .mobile-nav-inner {
      min-height: 0;
      overflow: hidden;
      padding: 0 24px;
      text-align: left;
    }
    .mobile-nav.open .mobile-nav-inner {
      overflow-y: auto;
      -webkit-overflow-scrolling: touch;
      padding: 12px 24px 28px;
    }
    .m-nav-link {
      display: flex; align-items: center; justify-content: flex-start;
      text-align: left;
      padding: 12px 0; font-size: 15px; font-weight: 500;
      color: var(--gray-700); border-bottom: 1px solid var(--gray-100);
      transition: color var(--t), padding-left var(--t);
    }
    .m-nav-link:hover, .m-nav-link.active { color: var(--g700); font-weight: 600; padding-left: 4px; }
    .mobile-nav .m-nav-link::before { display: none; }
    .m-nav-item { border-bottom: 1px solid var(--gray-100); text-align: left; }
    .m-nav-header {
      display: flex; align-items: center; justify-content: space-between;
      width: 100%; text-align: left; cursor: pointer;
    }
    .m-nav-header .m-nav-link { border-bottom: none; flex-grow: 1; text-align: left; justify-content: flex-start; }
    .m-chev-btn {
      width: 40px; height: 40px; border: none; background: transparent;
      display: flex; align-items: center; justify-content: center;
      color: var(--gray-400); cursor: pointer; border-radius: 6px;
      transition: all var(--t); flex-shrink: 0;
    }
    .m-chev-btn:hover { background: var(--g50); color: var(--g700); }
    .m-nav-chev { width: 14px; height: 14px; transition: transform var(--t); }
    .m-nav-item.open .m-nav-chev { transform: rotate(180deg); color: var(--g700); }
    .m-submenu {
      max-height: 0;
      overflow: hidden;
      opacity: 0;
      padding: 0 12px;
      margin-bottom: 0;
      background: var(--gray-50);
      border-radius: 8px;
      text-align: left;
      transition: max-height .35s cubic-bezier(.22,.61,.36,1),
                  opacity .25s ease,
                  padding .35s ease,
                  margin .35s ease;
    }
    .m-nav-item.open .m-submenu {
      max-height: 480px;
      opacity: 1;
      padding: 6px 12px 12px 14px;
      margin-bottom: 10px;
    }
    .m-submenu a {
      display: flex; align-items: center; justify-content: flex-start;
      text-align: left; gap: 8px;
      padding: 9px 0; font-size: 13.5px; color: var(--gray-600);
      border-bottom: 1px solid rgba(0,0,0,.04);
      transition: all var(--t);
    }
    .m-submenu a:last-child { border-bottom: none; }
    .m-submenu a::before {
      content: ''; width: 5px; height: 5px; border-radius: 50%;
      background: var(--g200); flex-shrink: 0; transition: background var(--t);
    }
    .m-submenu a:hover { color: var(--g700); padding-left: 4px; }
    .m-submenu a:hover::before { background: var(--gold); }

  
.ip0{margin-top:24px !important}