:root {
  --ibk-ink: #1c2430;
  --ibk-navy: #16324a;
  --ibk-deep: #0e2233;
  --ibk-copper: #c46a2f;
  --ibk-copper-deep: #9a4e1c;
  --ibk-sand: #f4efe6;
  --ibk-paper: #fffcf8;
  --ibk-line: #e4d8c6;
  --ibk-teal: #1d6d72;
  --ibk-muted: #5c6670;
  --ibk-max: 72rem;
  --ibk-shadow: 0 16px 40px rgba(14, 34, 51, 0.08);
}

*,
*::before,
*::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, Arial, sans-serif;
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--ibk-ink);
  background:
    radial-gradient(42rem 18rem at 100% -4rem, rgba(196, 106, 47, 0.12), transparent 60%),
    var(--ibk-sand);
}

img { max-width: 100%; height: auto; display: block; }

a { color: var(--ibk-copper-deep); }

h1, h2, h3 {
  font-family: Georgia, "Times New Roman", serif;
  line-height: 1.2;
  color: var(--ibk-navy);
}

p { margin: 0 0 0.8rem; }

.ibk-shell { min-height: 100vh; display: flex; flex-direction: column; }

.ibk-skip {
  position: absolute;
  left: -999px;
  top: 0;
  background: #fff;
  padding: 0.5rem 0.8rem;
  z-index: 20;
}

.ibk-skip:focus { left: 0.5rem; top: 0.5rem; }

.ibk-util {
  background: var(--ibk-deep);
  color: #f6efe4;
  font-size: 0.92rem;
}

.ibk-util__row,
.ibk-top__row,
.ibk-main,
.ibk-foot__grid {
  width: min(var(--ibk-max), calc(100% - 2rem));
  margin: 0 auto;
}

.ibk-util__row {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.45rem 0;
}

.ibk-util a { color: #f3d2b4; text-decoration: none; }

.ibk-top {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 252, 248, 0.94);
  border-bottom: 1px solid var(--ibk-line);
  backdrop-filter: blur(10px);
}

.ibk-top__row {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 0.75rem 0;
}

.ibk-logo {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  color: var(--ibk-navy);
  text-decoration: none;
  font-family: Georgia, serif;
  font-weight: 700;
  font-size: 1.25rem;
}

.ibk-toggle {
  display: none;
  margin-left: auto;
  border: 1px solid var(--ibk-line);
  background: #fff;
  border-radius: 999px;
  padding: 0.4rem 0.85rem;
  font: inherit;
  font-weight: 700;
  color: var(--ibk-navy);
}

.ibk-nav { margin-left: auto; }

.ibk-nav ul {
  display: flex;
  flex-wrap: wrap;
  gap: 0.25rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.ibk-nav a {
  display: inline-block;
  color: var(--ibk-navy);
  text-decoration: none;
  font-weight: 650;
  font-size: 0.95rem;
  padding: 0.4rem 0.7rem;
  border-radius: 999px;
}

.ibk-nav a:hover,
.ibk-nav a[aria-current="page"] { background: #efe4d4; }

.ibk-nav__in,
.ibk-nav a.ibk-nav__in[aria-current="page"] {
  background: var(--ibk-navy);
  color: #fff;
}

.ibk-main { flex: 1; padding-bottom: 3rem; }

.ibk-hero {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 1.5rem;
  align-items: center;
  margin-top: 1.25rem;
  padding: 2rem;
  border-radius: 28px;
  color: #f8f3ea;
  background:
    radial-gradient(40rem 16rem at 100% 0%, rgba(196, 106, 47, 0.45), transparent 55%),
    linear-gradient(145deg, #0e2233 0%, #16324a 58%, #1d6d72 140%);
  box-shadow: var(--ibk-shadow);
}

.ibk-hero h1,
.ibk-hero p { color: #f8f3ea; }

.ibk-hero h1 { font-size: clamp(2rem, 4vw, 3.1rem); margin: 0.4rem 0 0.8rem; }

.ibk-hero a { color: #f6d7bf; }

.ibk-pill {
  display: inline-block;
  margin: 0;
  padding: 0.2rem 0.7rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.12);
  color: #f6d7bf;
  font-size: 0.85rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.ibk-intro .ibk-pill {
  background: #efe4d4;
  color: var(--ibk-copper-deep);
}

.ibk-lead { font-size: 1.12rem; }

.ibk-actions { display: flex; flex-wrap: wrap; gap: 0.7rem; margin-top: 1rem; }

.ibk-btn {
  display: inline-block;
  border-radius: 999px;
  padding: 0.7rem 1.1rem;
  font: inherit;
  font-weight: 700;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
}

.ibk-btn--fill { background: var(--ibk-copper); color: #fff; }

.ibk-btn--fill:hover { background: var(--ibk-copper-deep); color: #fff; }

.ibk-btn--line { background: transparent; color: var(--ibk-navy); border-color: var(--ibk-navy); }

.ibk-hero .ibk-btn--line { color: #fff; border-color: rgba(255, 255, 255, 0.5); }

.ibk-hero__art {
  background: rgba(255, 255, 255, 0.08);
  border-radius: 20px;
  padding: 0.6rem;
}

.ibk-hero__art img { border-radius: 14px; width: 100%; }

.ibk-band {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.8rem;
  margin-top: 1rem;
}

.ibk-band article,
.ibk-tile,
.ibk-panel,
.ibk-form,
.ibk-callout,
.ibk-branch {
  background: var(--ibk-paper);
  border: 1px solid var(--ibk-line);
  border-radius: 18px;
  box-shadow: var(--ibk-shadow);
}

.ibk-band article { padding: 1rem 1.1rem; border-top: 4px solid var(--ibk-copper); }

.ibk-band b {
  display: block;
  font-family: Georgia, serif;
  font-size: 1.35rem;
  color: var(--ibk-navy);
}

.ibk-band span { color: var(--ibk-muted); font-size: 0.92rem; }

.ibk-block { margin-top: 2.4rem; }

.ibk-block h2,
.ibk-intro h1 { margin-top: 0.2rem; }

.ibk-grid { display: grid; gap: 1rem; }

.ibk-grid--2 { grid-template-columns: 1fr 1fr; }
.ibk-grid--3 { grid-template-columns: repeat(3, 1fr); }
.ibk-grid--4 { grid-template-columns: repeat(4, 1fr); }

.ibk-tile,
.ibk-panel,
.ibk-branch { padding: 1.15rem 1.2rem; }

.ibk-tile--go {
  color: inherit;
  text-decoration: none;
  display: block;
  border-top: 4px solid var(--ibk-teal);
}

.ibk-tile--go:hover { transform: translateY(-2px); }

.ibk-tile h3,
.ibk-panel h2,
.ibk-branch h2 { margin: 0.4rem 0; }

.ibk-tile__more { color: var(--ibk-copper-deep); font-weight: 700; }

.ibk-split {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 1rem;
  align-items: start;
}

.ibk-bars { display: grid; gap: 0.7rem; margin: 1rem 0; }

.ibk-bars__row {
  display: grid;
  grid-template-columns: 8.5rem 1fr auto;
  gap: 0.6rem;
  align-items: center;
  font-size: 0.95rem;
}

.ibk-bars__track {
  display: block;
  height: 0.7rem;
  background: #efe4d4;
  border-radius: 999px;
  overflow: hidden;
}

.ibk-bars__track span {
  display: block;
  height: 100%;
  background: linear-gradient(90deg, var(--ibk-teal), var(--ibk-copper));
  border-radius: inherit;
}

.ibk-tablewrap { overflow-x: auto; }

.ibk-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--ibk-paper);
  border-radius: 16px;
  overflow: hidden;
}

.ibk-table th,
.ibk-table td {
  text-align: left;
  padding: 0.75rem 0.9rem;
  border-bottom: 1px solid var(--ibk-line);
  vertical-align: top;
}

.ibk-table th { background: var(--ibk-navy); color: #f8f3ea; font-weight: 650; }

.ibk-table caption {
  caption-side: bottom;
  text-align: left;
  color: var(--ibk-muted);
  padding-top: 0.5rem;
  font-size: 0.9rem;
}

.ibk-faq details {
  background: var(--ibk-paper);
  border: 1px solid var(--ibk-line);
  border-radius: 14px;
  padding: 0.8rem 1rem;
  margin-bottom: 0.6rem;
}

.ibk-faq summary { cursor: pointer; font-weight: 700; color: var(--ibk-navy); }

.ibk-form label { display: block; font-weight: 700; margin: 0.75rem 0 0.3rem; }

.ibk-form input,
.ibk-form select,
.ibk-form textarea {
  width: 100%;
  max-width: 36rem;
  padding: 0.7rem 0.8rem;
  border: 1px solid var(--ibk-line);
  border-radius: 12px;
  font: inherit;
  background: #fff;
  color: var(--ibk-ink);
}

.ibk-alert {
  margin-top: 0.8rem;
  padding: 0.7rem 0.8rem;
  border-radius: 12px;
  background: #fde8df;
  color: #7a3412;
}

.ibk-alert--ok { background: #e5f4ef; color: #145246; }

.ibk-alert[hidden] { display: none; }

.ibk-crumbs { color: var(--ibk-muted); font-size: 0.92rem; margin: 1.2rem 0 0.4rem; }

.ibk-crumbs a { color: var(--ibk-teal); text-decoration: none; }

.ibk-intro { margin-bottom: 1.2rem; }

.ibk-intro h1 { font-size: clamp(1.8rem, 3vw, 2.6rem); }

.ibk-num {
  font-family: Georgia, serif;
  font-size: clamp(2.2rem, 5vw, 3.4rem);
  letter-spacing: 0.08em;
  color: var(--ibk-copper-deep);
  margin: 0.2rem 0;
}

.ibk-steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.8rem; }

.ibk-steps li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.8rem;
  background: var(--ibk-paper);
  border: 1px solid var(--ibk-line);
  border-radius: 16px;
  padding: 0.9rem 1rem;
}

.ibk-steps b {
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--ibk-navy);
  color: #fff;
  font-family: Georgia, serif;
}

.ibk-steps h3 { margin: 0 0 0.25rem; }

.ibk-callout {
  padding: 1.2rem 1.3rem;
  background:
    linear-gradient(135deg, rgba(29, 109, 114, 0.08), rgba(196, 106, 47, 0.1)),
    var(--ibk-paper);
}

.ibk-foot {
  margin-top: auto;
  background: var(--ibk-deep);
  color: #f4eee4;
  padding: 2rem 0 1.2rem;
}

.ibk-foot a { color: #f3d2b4; }

.ibk-foot h2 { color: #fff; font-size: 1.05rem; }

.ibk-foot__grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 1.5rem;
}

.ibk-foot ul { list-style: none; margin: 0; padding: 0; }

.ibk-foot li { margin: 0.3rem 0; }

.ibk-marks { display: flex; flex-wrap: wrap; gap: 0.6rem; margin-top: 0.8rem; }

.ibk-foot__fine {
  width: min(var(--ibk-max), calc(100% - 2rem));
  margin: 1.2rem auto 0;
  padding-top: 0.8rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  color: #d9d0c4;
  font-size: 0.9rem;
}

.ibk-notice {
  position: fixed;
  left: 1rem;
  right: 1rem;
  bottom: 1rem;
  z-index: 30;
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  align-items: center;
  background: var(--ibk-deep);
  color: #fff;
  border-radius: 16px;
  padding: 0.9rem 1rem;
  box-shadow: var(--ibk-shadow);
}

.ibk-notice p { margin: 0; }

.ibk-notice a { color: #f3d2b4; }

.ibk-notice__acts { display: flex; gap: 0.5rem; }

@media (max-width: 980px) {
  .ibk-hero,
  .ibk-split,
  .ibk-grid--4,
  .ibk-grid--3,
  .ibk-band,
  .ibk-foot__grid { grid-template-columns: 1fr 1fr; }

  .ibk-grid--4 { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 760px) {
  .ibk-toggle { display: inline-flex; }

  .ibk-nav {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    background: var(--ibk-paper);
    border-bottom: 1px solid var(--ibk-line);
    padding: 0.5rem 1rem 1rem;
    margin-left: 0;
  }

  .ibk-nav--open { display: block; }

  .ibk-nav ul { flex-direction: column; }

  .ibk-hero,
  .ibk-split,
  .ibk-grid--2,
  .ibk-grid--3,
  .ibk-grid--4,
  .ibk-band,
  .ibk-foot__grid,
  .ibk-bars__row { grid-template-columns: 1fr; }

  .ibk-util__row,
  .ibk-notice { flex-direction: column; align-items: flex-start; }

  .ibk-hero { padding: 1.2rem; }
}