.fc{background:var(--white);border:1.5px solid var(--line);border-radius:16px;padding:1.8rem 1.6rem;display:flex;flex-direction:column;gap:1rem;transition:box-shadow .3s,transform .3s;height:100%}
.fc:hover{box-shadow:0 12px 40px rgba(30,80,226,.13);transform:translateY(-4px);border-color:var(--pale)}
.fc-ic{width:52px;height:52px;border-radius:50%;background:var(--pale);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.fc-ic i{font-size:1.3rem;color:var(--blue)}
.fc h3{font-family:var(--fb);font-size:1.05rem;font-weight:800;color:var(--navy);margin:0;line-height:1.3}
.fc p{font-size:.92rem;color:var(--muted);line-height:1.75;margin:0;flex:1}
.fc-link{font-size:.85rem;font-weight:700;color:var(--blue);display:inline-flex;align-items:center;gap:.3rem;margin-top:auto;text-decoration:none}
.fc-link:hover{color:var(--navy)}
.lchip{display:flex;align-items:flex-start;gap:.8rem;background:var(--smoke);border-radius:10px;padding:.75rem 1rem;margin-bottom:.5rem}
.lchip i{color:var(--blue);font-size:1rem;margin-top:.15rem;flex-shrink:0}
.lchip span{font-size:.92rem;color:var(--navy);line-height:1.6}
.cta-dark{background:var(--navy);padding:5vw;text-align:center;position:relative;overflow:hidden}
.cta-dark::before{content:'';position:absolute;top:-120px;right:-120px;width:400px;height:400px;border-radius:50%;background:rgba(30,80,226,.08);pointer-events:none}
.cta-dark h2{font-family:var(--fh);font-size:clamp(1.9rem,3.8vw,3.8rem);font-weight:900;color:var(--white);margin-bottom:2rem;line-height:1.1}
.cta-dark .cta-btns{display:flex;flex-wrap:wrap;gap:1rem;justify-content:center}
.why-ib-title {
font-family:var(--fh);font-size:clamp(2rem,3.8vw,2.8rem);font-weight:900;color:var(--white);line-height:1.1;margin-bottom:1rem
}
.ef {
    display: flex;
    align-items: center;
    gap: .85rem;
    background: rgb(255 255 255 / 7%);
    border-radius: 16px;
    padding: .9rem 1.1rem;
    transition: background .3s;
}
.ef:hover {
    background: rgb(255 255 255 / 22%);
}
@media(max-width:767px){.fc{padding:1.4rem 1.2rem}}