/* --- page-specific sections (unique per page) --- */
    .hg-eyebrow {
        display: inline-block;
        margin-bottom: 0.5rem;
        color: #0f1f7a;
        font-size: 0.85rem;
        font-weight: 600;
        letter-spacing: 1px;
        text-transform: uppercase;
    }
    .hg-eyebrow-light {
        display: inline-block;
        margin-bottom: 0.5rem;
        color: rgba(255,255,255,0.8);
        font-size: 0.85rem;
        font-weight: 600;
        letter-spacing: 1px;
        text-transform: uppercase;
    }
    .hg-cta {
        padding: 3rem 2rem;
        border-radius: 20px;
    }

    .hg-chips { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem; }
    .hg-chips span {
        padding: 0.55rem 1.2rem;
        background: #fff;
        border: 1px solid #e9ecef;
        border-radius: 50px;
        color: #333;
        font-size: 0.9rem;
        font-weight: 600;
        transition: all 0.3s ease;
    }
    .hg-chips span:hover { border-color: #0f1f7a; color: #0f1f7a; }
    .hg-ladder { display: grid; gap: 1rem; }
    .hg-ladder article {
        padding: 1.75rem 2rem;
        background: linear-gradient(135deg, #f8f9fa 0%, #ffffff 100%);
        border: 1px solid #e9ecef;
        border-radius: 15px;
    }
    .hg-step {
        display: inline-block;
        margin-bottom: 0.75rem;
        padding: 0.25rem 0.9rem;
        border-radius: 50px;
        background: linear-gradient(135deg, #0f1f7a 0%, #0056b3 100%);
        color: #fff;
        font-size: 0.75rem;
        font-weight: 700;
        letter-spacing: 1px;
        text-transform: uppercase;
    }
    .hg-flags { padding: 2.5rem; border-radius: 20px; background: linear-gradient(135deg, #0f1f7a 0%, #0056b3 100%); color: #fff; }
    .hg-flag-list { margin: 0; padding-left: 1.4rem; }
    .hg-flag-list li { padding: 0.55rem 0; border-bottom: 1px solid rgba(255,255,255,0.18); }
    .hg-flag-list li:last-child { border-bottom: 0; }
    .hg-cta { background: linear-gradient(135deg, #f8f9fa 0%, #ffffff 100%); border: 1px solid #e9ecef; }