:root{
    --green-d:#1c8a52;
    --green-dark-d:#136b3f;
    --green-bg-d:#eef8f2;
    --navy-d:#0b1b3f;
    --text-d:#16213e;
    --muted-d:#5b6b85;
    --border-d:#e4e8ef;
    --radius-d:14px;
  }
  *{box-sizing:border-box;}
  body{
    margin:0;
    font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
    color:var(--text-d);
    background:#fff;
    line-height:1.5;
  }
  .biznes {
    padding-top: 30px;
    padding-bottom: 50px;
    overflow: visible
  }
  .wrap-d{
    max-width:1200px;
    margin:0 auto;
    padding:15px 0px;
  }
  .section-title-d{
    font-size:28px;
    font-weight:700;
    margin:0 0 32px;
    color:var(--navy-d);
  }
  .section-title-d.center-d{ text-align:center; }

  /* ---------- HERO ---------- */
  .hero-d{
    background:linear-gradient(120deg,#08132c 0%,#0b2149 55%,#123563 100%);
    color:#fff;
    padding:64px 20px;
  }
  .hero-inner-d{ max-width:1200px; margin:0 auto; }
  .hero-title-d{
    font-size:36px; font-weight:800; margin:0 0 20px;
    max-width:680px; line-height:1.2; color: #fff;
  }
  .hero-sub-d{
    font-size:16px; font-weight:600; margin:0 0 14px;
    max-width:560px; color:#e4e9f5;
  }
  .hero-desc-d{
    font-size:14px; color:#b7c1d9; max-width:520px; margin:0 0 28px;
  }

  /* ---------- ICON GRID ---------- */
  .icon-grid-d{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:20px;
  }
  .icon-grid-d.cols-2-d{ grid-template-columns:repeat(2,1fr); }
  .icon-grid-d.cols-3-d{ grid-template-columns:repeat(3,1fr); }

  .icon-card-d{
    background:#fff;
    border:1px solid var(--border-d);
    border-radius:var(--radius-d);
    padding:26px 18px;
    display:flex;
    flex-direction:column;
    align-items:center;
    text-align:center;
    gap:14px;
    transition:border-color .2s ease, box-shadow .2s ease;
  }
  .icon-card-d:hover{
    border-color:var(--green-d);
    box-shadow:0 6px 20px rgba(28,138,82,.08);
  }
  .icon-card-d .icon-d{ width:44px; height:44px; color:var(--green-d); flex-shrink:0; }
  .icon-card-d .icon-d svg{ width:100%; height:100%; }
  .icon-card-d p{ margin:0; font-weight:600; font-size:14.5px; color:var(--text-d); }

  /* row (icon left, text right, one line — bigger cards) */
  .icon-card-d.row-d{
    flex-direction:row; text-align:left; align-items:center; padding:26px 22px; gap:18px;
  }
  .icon-card-d.row-d .icon-d{ width:34px; height:34px; }
  .icon-card-d.row-d p{ font-size:15px; }

  /* row with soft-circle icon background */
  .icon-card-d.row-d.circle-icon-d .icon-d{
    width:52px; height:52px;
    background:var(--green-bg-d);
    border-radius:50%;
    padding:12px;
  }

  /* ---------- FEATURE CARD (icon top, title, paragraph — left aligned) ---------- */
  .feature-card-d{
    background:#fff;
    border:1px solid var(--border-d);
    border-radius:var(--radius-d);
    padding:24px;
  }
  .feature-card-d .icon-d{
    width:34px; height:34px; color:var(--green-d); display:block; margin-bottom:14px;
  }
  .feature-card-d .icon-d svg{ width:100%; height:100%; }
  .feature-card-d h4{ margin:0 0 8px; font-size:15.5px; font-weight:700; color:var(--text-d); }
  .feature-card-d p{ margin:0; font-size:13.5px; color:var(--muted-d); }

  /* ---------- INFO BOX ---------- */
  .info-box-d{
    display:flex;
    align-items:center;
    gap:16px;
    background:var(--green-bg-d);
    border:1px solid #d3ecdd;
    border-radius:12px;
    padding:20px 24px;
    margin-top:8px;
  }
  .info-box-d .icon-d{ width:24px; height:24px; color:var(--green-d); flex-shrink:0; }
  .info-box-d p{ margin:0; font-size:14px; color:var(--text-d); }

  /* ---------- CTA / DIAGONAL BANNER ---------- */
  .banner-d{
    background:var(--navy-d);
    border-radius:16px;
    padding:30px 32px;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:20px;
    color:#fff;
    flex-wrap:wrap;
  }
  .banner-left-d{ display:flex; align-items:center; gap:18px; flex:1; min-width:260px; }
  .banner-left-d .icon-d{ width:40px; height:40px; color:var(--green-d); flex-shrink:0; }
  .banner-left-d .icon-d svg{ width:100%; height:100%; }
  .banner-text-d h3{ margin:0 0 6px; font-size:19px; color:white; }
  .banner-text-d p{ margin:0; font-size:13.5px; color:#c9d2e5; }

  /* ---------- BUTTON ---------- */
  .btn-d{
    display:inline-flex; align-items:center; gap:10px;
    background:var(--green-d); color:#fff; text-decoration:none;
    font-weight:600; padding:13px 24px; border-radius:10px;
    font-size:14.5px; border:none; cursor:pointer;
    white-space:nowrap; flex-shrink:0;
  }
  .btn-d:hover{ background:var(--green-dark-d); color:#fff; }

  /* ---------- NUMBERED STEPS (separate number bubble + icon bubble + dotted line) ---------- */
  .steps-num-d{
    display:flex;
    align-items:flex-start;
    justify-content:space-between;
    gap:6px;
  }
  .step-num-item-d{
    display:flex;
    flex-direction:column;
    align-items:center;
    gap:12px;
    flex:1;
    max-width:160px;
  }
  .step-num-row-d{
    display:flex;
    align-items:center;
    gap:6px;
  }
  .num-circle-d{
    width:24px; height:24px; border-radius:50%;
    background:var(--green-d); color:#fff;
    font-size:12px; font-weight:700;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }
  .num-dot-d{
    width:14px; height:0; border-top:2px dotted #b9c4d6; flex-shrink:0;
  }
  .icon-circle-d{
    width:56px; height:56px; border-radius:50%;
    border:2px solid var(--green-bg-d);
    background:#fff;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }
  .icon-circle-d svg{ width:24px; height:24px; color:var(--green-d); }
  .step-num-item-d p{ margin:0; font-weight:600; font-size:13.5px; text-align:center; color:black; }
  .step-connector-d{
    flex:1; min-width:16px; height:0;
    border-top:2px dotted #b9c4d6;
    margin-top:28px;
  }

  hr.divider-d{ border:none; border-top:1px solid var(--border-d); margin:0; }

  /* ---------- RESPONSIVE ---------- */
  @media (max-width:900px){
    .icon-grid-d{ grid-template-columns:repeat(2,1fr); }
    .icon-grid-d.cols-2-d{ grid-template-columns:repeat(2,1fr); }
    .icon-grid-d.cols-3-d{ grid-template-columns:repeat(2,1fr); }
    .hero-title-d{ font-size:28px; }
    .steps-num-d{ flex-wrap:wrap; row-gap:26px; }
    .step-connector-d{ display:none; }
    .step-num-item-d{ max-width:45%; flex:0 0 45%; }
  }

  @media (max-width:560px){
    .wrap-d{ padding:36px 16px; }
    .hero-d{ padding:44px 16px; }
    .hero-title-d{ font-size:23px; }
    .section-title-d{ font-size:21px; }
    .icon-grid-d, .icon-grid-d.cols-2-d, .icon-grid-d.cols-3-d{
      grid-template-columns:1fr;
    }
    .icon-card-d{ padding:20px 16px; }
    .icon-card-d.row-d{ flex-direction:row; }
    .banner-d{ flex-direction:column; text-align:center; padding:26px 20px; }
    .banner-left-d{ flex-direction:column; text-align:center; }
    .step-num-item-d{ max-width:100%; flex:0 0 100%; }
  }