.bl-wrap {
  
    background: #ffffff;
    color: #222;
  }

  /* PROGRESS BAR */
  .bl-bar {
    position: fixed;
    top: 0; left: 0;
    height: 3px;
    width: 0%;
    background: #e8a000;
    z-index: 9999;
    transition: width 0.1s linear;
  }

  /* HERO */
.bl-hero {
    margin-top: 68px;
    height: 450px;
    position: relative;
    overflow: hidden;
    background: url(../images/banner.jpg);
    background-size:cover;
}
  .bl-hero-dim {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        to right,
        rgba(8, 18, 38, 0.88) 0%,
        rgba(8, 18, 38, 0.75) 35%,
        rgba(8, 18, 38, 0.45) 65%,
        rgba(8, 18, 38, 0.0) 100%
    );
}
  .bl-hero-text {
    position: relative;
    z-index: 2;
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    padding: 44px 48px;
    max-width: 760px;
  }
  .bl-chip {
    display: inline-block;
    font-size: 10px;
    font-weight: 600;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: #e8a000;
    border: 1px solid rgba(232,160,0,0.4);
    padding: 4px 12px;
    border-radius: 4px;
    margin-bottom: 16px;
  }
  .bl-hero-title {
  
    font-size: clamp(24px, 3.2vw, 42px);
    font-weight: 700;
    color: #fff;
    line-height: 1.2;
    margin-bottom: 20px;
  }
  .bl-hero-title span { color: #f5c842; }
  .bl-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 18px;
  }
  .bl-meta-item {
    font-size: 12px;
    color: rgba(255,255,255,0.55);
    display: flex;
    align-items: center;
    gap: 6px;
  }
  .bl-meta-item i { color: #e8a000; font-size: 11px; }

  /* LAYOUT */
  .bl-layout {
    max-width: 1181px;
    margin: 0 auto;
    padding: 40px 20px 70px;
    display: grid;
    grid-template-columns: 1fr 260px;
    gap: 28px;
    align-items: start;
  }
  .bl-main { min-width: 0; }
  .bl-side  { position: sticky; top: 85px; }

  /* SECTION BLOCK */
  .bl-section {
    background: #fff;
    border: 1px solid #e8eaf0;
    border-radius: 12px;
    padding: 32px 36px;
    margin-bottom: 18px;
  }

  .bl-label {
    font-size: 10px;
    font-weight: 600;
    letter-spacing: 2.2px;
    text-transform: uppercase;
    color: #e8a000;
    margin-bottom: 8px;
    display: none;
  }
  .bl-h2 {
  font-size: 25px;
  font-weight: 700;
  color: #111;
  margin-bottom: 14px;
  line-height: 1.3;
  }
  .bl-p {
    font-size: 17px;
    line-height: 1.9;
    color: #555;
    margin-bottom: 14px;
  }
  .bl-p:last-child { margin-bottom: 0; }

  /* QUOTE */
  .bl-quote {
    border-left: 3px solid #e8a000;
    background: #fffbf0;
    border-radius: 0 8px 8px 0;
    padding: 16px 22px;
    margin: 20px 0;
  }
  .bl-quote p {
  
    font-style: italic;
    font-size: 16px;
    color: #222;
    margin: 0 0 6px;
    line-height: 1.6;
  }
  .bl-quote cite { font-size: 11px; color: #e8a000; font-weight: 600; }

  /* INFO BOX */
  .bl-infobox {
    background: #f3f6ff;
    border-left: 3px solid #3a5bd9;
    border-radius: 0 8px 8px 0;
    padding: 16px 22px;
    margin: 20px 0;
  }
  .bl-infobox h4 {font-size: 20px;font-weight: 600;color: #1a2e7a;margin-bottom: 6px;}
  .bl-infobox p  {font-size: 15px;color: #444;line-height: 1.75;margin: 0;}

  /* BOND TYPES */
  .bl-types { display: flex; flex-direction: column; gap: 10px; margin-top: 10px; }
  .bl-type {
    display: flex;
    align-items: center;
    gap: 14px;
    border: 1px solid #e8eaf0;
    border-radius: 10px;
    padding: 14px 16px;
    transition: border-color 0.2s;
  }
  .bl-type:hover { border-color: #e8a000; }
  .bl-type-icon {
    width: 38px; height: 38px;
    border-radius: 8px;
    background: #081226;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
  }
  .bl-type-icon i { color: #f5c842; font-size: 15px; }
  .bl-type-name  { font-size: 13.5px; font-weight: 600; color: #111; margin-bottom: 2px; }
  .bl-type-desc  { font-size: 12px; color: #888; line-height: 1.5; }
  .bl-badge {
    margin-left: auto;
    font-size: 10.5px;
    font-weight: 600;
    padding: 3px 10px;
    border-radius: 4px;
    white-space: nowrap;
  }
  .bl-safe { background: #e8f5ec; color: #1a7a36; }
  .bl-high { background: #fff4e0; color: #b06700; }
  .bl-tax  { background: #eaecf9; color: #3848a8; }
  .bl-flex { background: #fde8ef; color: #b81a52; }

  /* BENEFITS */
  .bl-benefits {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-top: 8px;
  }
  .bl-benefit {
    border: 1px solid #e8eaf0;
    border-radius: 10px;
    padding: 16px 18px;
    transition: border-color 0.2s;
  }
  .bl-benefit:hover { border-color: #e8a000; }
  .bl-benefit-top {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 6px;
  }
  .bl-benefit-top i      { color: #e8a000; font-size: 13px; }
  .bl-benefit-top strong {font-size: 14px;font-weight: 600;color: #111;}
  .bl-benefit p          { font-size: 12.5px; color: #777; line-height: 1.6; margin: 0; }

  /* FAQ */
  .bl-faq-head { text-align: center; margin-bottom: 22px; }
  .bl-faq-head h2 {
   
    font-size: clamp(18px, 1.8vw, 24px);
    color: #111;
    margin-bottom: 6px;
  }
  .bl-faq-head p { font-size: 13px; color: #888; margin: 0; }

  .bl-acc .accordion-item {
    border: 1px solid #e8eaf0;
    border-radius: 10px;
    margin-bottom: 8px;
    overflow: hidden;
  }
  .bl-acc .accordion-button {
   
    font-size: 14px;
    font-weight: 600;
    color: #111;
    background: #fafafa;
    padding: 15px 18px;
    box-shadow: none;
    border-radius: 10px;
    gap: 12px;
  }
  .bl-acc .accordion-button:not(.collapsed) {
    background: #081226;
    color: #fff;
    border-radius: 10px 10px 0 0;
  }
  .bl-acc .accordion-button:not(.collapsed)::after { filter: brightness(0) invert(1); }
  .bl-faq-num {
    width: 24px; height: 24px;
    border-radius: 50%;
    background: #f5c842;
    color: #081226;
    font-size: 11px;
    font-weight: 700;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
  }
  .bl-acc .accordion-body {
    background: #fff;
    padding: 18px 20px;
    font-size: 14px;
    line-height: 1.85;
    color: #555;
  }
  .bl-acc .accordion-body strong { color: #111; }

  /* BOTTOM CTA */

.bl-cta {
    background: #cfcfcf;
    border-radius: 12px;
    padding: 40px 44px;
    text-align: center;
    margin-bottom: 18px;
}
 .bl-cta h3 {
    color: #284e64;
    font-size: 28px;
    margin-bottom: 10px;
}
 .bl-cta p {
    color: rgb(0 0 0 / 60%);
    font-size: 14px;
    margin: 0 auto 22px;
    max-width: 400px;
}
  .bl-cta-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #e8a000;
    color: #fff;
    font-weight: 600;
    font-size: 14px;
    padding: 12px 28px;
    border-radius: 6px;
    text-decoration: none;
    transition: background 0.2s;
  }
  .bl-cta-btn:hover { background: #cf8f00; color: #fff; }

  /* SHARE */
  .bl-share { display: flex; align-items: center; flex-wrap: wrap; gap: 8px; }
  .bl-share-lbl { font-size: 10px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: #bbb; margin-right: 4px; }
  .bl-share a {
    display: inline-flex; align-items: center; gap: 5px;
    padding: 7px 14px; border-radius: 5px;
    font-size: 12px; font-weight: 600; text-decoration: none;
    transition: opacity 0.2s;
  }
  .bl-share a:hover { opacity: 0.82; }
  .bl-fb { background: #1877f2; color: #fff; }
  .bl-tw { background: #1da1f2; color: #fff; }
  .bl-li { background: #0a66c2; color: #fff; }
  .bl-wa { background: #25d366; color: #fff; }

  /* SIDEBAR */
 .bl-stat-box {
    background: #284e64;
    border-radius: 12px;
    padding: 24px 22px;
    margin-bottom: 16px;
}
  .bl-stat-box h4 {
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: #f5c842;
    margin-bottom: 18px;
  }
  .bl-stat-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 0;
    border-bottom: 1px solid rgba(255,255,255,0.07);
  }
  .bl-stat-row:last-child { border-bottom: none; padding-bottom: 0; }
  .bl-stat-lbl { font-size: 12px; color: rgba(255,255,255,0.45); }
  .bl-stat-val {
    font-size: 18px;
    font-weight: 700;
    color: #fff;
  
  }
  .bl-stat-val small { font-size: 11px; color: #f5c842; font-family: 'Inter', sans-serif; margin-left: 2px; }

  .bl-toc-box {
    background: #fff;
    border: 1px solid #e8eaf0;
    border-radius: 12px;
    padding: 20px 22px;
    margin-bottom: 16px;
  }
  .bl-toc-box h4 {
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: #b7901a;
    margin-bottom: 14px;
  }
  .bl-toc-list { list-style: none; padding: 0; margin: 0; }
  .bl-toc-list li { padding: 6px 0; border-bottom: 1px solid #f2f4f8; }
  .bl-toc-list li:last-child { border-bottom: none; }
  .bl-toc-list a {
    font-size: 13px;
    color: #555;
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 7px;
    transition: color 0.2s;
  }
  .bl-toc-list a:hover { color: #e8a000; }
  .bl-toc-list a i { font-size: 9px; color: #e8a000; }

 .bl-side-cta {
    background: #284e64;
    border-radius: 12px;
    padding: 22px 20px;
    text-align: center;
}
  .bl-side-cta h4 {
  
    color: #fff;
    font-size: 17px;
    margin-bottom: 7px;
  }
  .bl-side-cta p { font-size: 12.5px; color: rgba(255,255,255,0.85); margin-bottom: 14px; line-height: 1.6; }
  .bl-side-btn {
    display: block;
    background: #081226;
    color: #f5c842;
    font-weight: 600;
    font-size: 13px;
    padding: 11px 18px;
    border-radius: 6px;
    text-decoration: none;
    transition: opacity 0.2s;
  }
  .bl-side-btn:hover { opacity: 0.88; color: #f5c842; }

  /* RESPONSIVE */
  @media (max-width: 820px) {
    .bl-layout { grid-template-columns: 1fr; }
    .bl-side   { position: static; }
    .bl-benefits { grid-template-columns: 1fr; }
    .bl-hero-text { padding: 28px 22px; }
    .bl-section   { padding: 24px 20px; }
    .bl-cta       { padding: 30px 22px; }
  }