:root {
  --hni-blue: #00559a;
  --hni-dark-blue: #003e70;
  --hni-green: #31b823;
  --hni-ink: #314554;
  --hni-pale: #eef6ff;
  --hni-shadow: 0 12px 32px rgba(0, 70, 120, .1);
}

.hni-main,
.hni-main * {
  box-sizing: border-box;
}

.hni-main {
  color: var(--hni-ink);
  font-family: Poppins, sans-serif;
  overflow: hidden;
}

.hni-main--risk { padding-top: 98px; }

.hni-main a[href] { cursor: pointer; }
.hni-shell { margin: 0 auto; max-width: 1320px; padding: 0 28px; }

.hni-hero,
.hni-business-hero {
  background: linear-gradient(120deg, var(--hni-dark-blue), #0789cc);
  color: #fff;
  padding: 76px 0;
}

.hni-hero .hni-shell { max-width: 980px; text-align: center; }
.hni-kicker { display: block; font-size: 14px; font-weight: 600; letter-spacing: .12em; margin-bottom: 10px; text-transform: uppercase; }
.hni-main h1 { color: inherit; font-size: clamp(38px, 5vw, 62px); line-height: 1.08; margin: 0 0 18px; }
.hni-hero p,
.hni-business-hero p { font-size: 18px; line-height: 1.65; margin: 0 auto; max-width: 850px; }

.hni-product-sections { display: grid; gap: 42px; padding-bottom: 76px; padding-top: 58px; }
.hni-product-section { background: var(--hni-pale); border-radius: 34px; padding: 36px; }
.hni-section-heading { align-items: end; display: grid; gap: 14px; grid-template-columns: .7fr 1.3fr; margin-bottom: 28px; }
.hni-section-heading h2 { color: var(--hni-blue); font-size: 34px; margin: 0; }
.hni-section-heading p { line-height: 1.55; margin: 0; }
.hni-product-grid { display: grid; gap: 16px; grid-template-columns: repeat(4, 1fr); }
.hni-product-card { align-items: center; background: #fff; border: 1px solid rgba(0, 85, 154, .12); border-radius: 18px; color: var(--hni-blue); display: flex; flex-direction: column; justify-content: space-between; min-height: 112px; padding: 18px 16px; text-align: center; text-decoration: none; transition: box-shadow .2s ease, transform .2s ease; }
.hni-product-card:hover,
.hni-product-card:focus-visible { box-shadow: var(--hni-shadow); transform: translateY(-2px); }
.hni-product-card > span { font-size: 18px; font-weight: 600; line-height: 1.3; }
.hni-product-card strong { align-items: center; color: var(--hni-green); display: inline-flex; font-size: 13px; line-height: 1.2; margin-top: 12px; }
.hni-product-card i { font-size: 20px; font-style: normal; line-height: 1; margin-left: 7px; transform: translateY(1px); transition: transform .2s ease; }
.hni-product-card:hover i { transform: translate(4px, 1px); }

.hni-document-card { align-items: center; background: var(--hni-pale); border-radius: 32px; display: grid; gap: 30px; grid-template-columns: auto 1fr; margin: 58px auto 80px; max-width: 880px; padding: 42px; }
.hni-document-icon { align-items: center; background: var(--hni-blue); border-radius: 22px; color: #fff; display: flex; font-size: 22px; font-weight: 700; height: 120px; justify-content: center; width: 100px; }
.hni-document-card h2 { color: var(--hni-blue); font-size: 27px; line-height: 1.3; margin: 0 0 20px; }
.hni-document-card p { margin: 0; }

.hni-button { align-items: center; background: var(--hni-green); border: 0; border-radius: 999px; color: #fff; cursor: pointer; display: inline-flex; font-family: inherit; font-size: 15px; font-weight: 700; justify-content: center; min-height: 46px; padding: 12px 26px; text-decoration: none; transition: box-shadow .2s ease, transform .2s ease; }
.hni-button:hover,
.hni-button:focus-visible { box-shadow: 0 8px 22px rgba(49, 184, 35, .22); transform: translateY(-2px); }

body.hni-pdf-modal-open { overflow: hidden; }

.hni-business-hero { background: var(--hni-pale); color: var(--hni-blue); padding-bottom: 0; padding-top: 64px; }
.hni-business-hero-grid { align-items: center; display: grid; gap: 46px; grid-template-columns: 1.1fr .9fr; }
.hni-business-hero p { color: var(--hni-ink); }
.hni-business-hero img { align-self: end; display: block; max-height: 430px; object-fit: contain; object-position: center bottom; width: 100%; }
.hni-service-grid { display: grid; gap: 20px; grid-template-columns: repeat(2, 1fr); padding: 58px 0 38px; }
.hni-service-card { background: #fff; border: 1px solid rgba(0, 85, 154, .14); border-radius: 22px; box-shadow: 0 6px 22px rgba(0, 70, 120, .06); display: grid; gap: 8px 20px; grid-template-columns: 60px 1fr; padding: 26px; }
.hni-service-card img { grid-row: 1 / 3; height: 52px; object-fit: contain; width: 52px; }
.hni-service-card h2 { color: var(--hni-blue); font-size: 20px; margin: 0; }
.hni-service-card p { font-size: 14px; line-height: 1.55; margin: 0; }
.hni-cta { align-items: center; background: var(--hni-dark-blue); border-radius: 30px; color: #fff; display: flex; gap: 35px; justify-content: space-between; margin-bottom: 80px; padding: 34px 40px; }
.hni-cta h2 { color: #fff; font-size: 27px; margin: 0 0 8px; }
.hni-cta p { margin: 0; }
.hni-cta .hni-button { flex: 0 0 auto; }

@media (max-width: 1100px) {
  .hni-product-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 767px) {
	.hni-main--risk { padding-top: 75px; }
  .hni-shell { padding-left: 18px; padding-right: 18px; }
  .hni-hero, .hni-business-hero { padding-top: 112px; }
  .hni-hero { padding-bottom: 48px; }
  .hni-hero p, .hni-business-hero p { font-size: 15px; }
  .hni-product-section { border-radius: 24px; padding: 24px 18px; }
  .hni-section-heading,
  .hni-business-hero-grid { grid-template-columns: 1fr; }
  .hni-product-grid,
  .hni-service-grid { grid-template-columns: 1fr; }
  .hni-service-card { gap: 12px 14px; grid-template-columns: 40px 1fr; padding: 22px; }
  .hni-service-card img { grid-row: 1; height: 36px; width: 36px; }
  .hni-service-card h2 { align-self: center; }
  .hni-service-card p { grid-column: 1 / -1; width: 100%; }
  .hni-business-hero-grid { gap: 24px; }
  .hni-business-hero img { max-height: 300px; }
  .hni-document-card { grid-template-columns: 1fr; padding: 28px; text-align: center; }
  .hni-document-icon { margin: 0 auto; }
  .hni-cta { align-items: flex-start; flex-direction: column; padding: 28px; }
}

@media (prefers-reduced-motion: reduce) {
  .hni-product-card,
  .hni-product-card i,
  .hni-button { transition: none; }
}