body { margin: 0; padding: 28px 20px 40px; background: #ffffff; }

  /* ---- FirstDigital brand tokens (Brand Guide 2025, p.11) ---- */
  .fd-hub {
    --fd-navy:        #003366;  /* headlines, backgrounds, icons */
    --fd-blue:        #307ab2;  /* headlines, backgrounds, icons */
    --fd-blue-bright: #38b2e3;  /* stand-out headlines, icons     */
    --fd-red:         #cf333d;  /* accents - use selectively      */
    --fd-body:        #2e404d;  /* paragraph text                 */
    --fd-secondary:   #8f9499;  /* secondary text                 */
    --fd-bg-mid:      #dedede;  /* backgrounds                    */
    --fd-bg-light:    #f0f0f0;  /* backgrounds                    */
    --fd-white:       #ffffff;
  }

  .fd-hub, .fd-hub * { box-sizing: border-box; }

  .fd-hub {
    font-family: 'Host Grotesk', 'Segoe UI', -apple-system, BlinkMacSystemFont, Arial, sans-serif;
    font-weight: 300;
    color: var(--fd-body);
    background: var(--fd-white);
    max-width: 1080px;
    margin: 0 auto;
    -webkit-font-smoothing: antialiased;
  }

  /* ---- Masthead: full-colour logo on white (Logo Rules, p.10) ---- */
  .fd-masthead {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    flex-wrap: wrap;
    padding: 22px 4px 20px;
    border-bottom: 1px solid var(--fd-bg-mid);
  }

  .fd-masthead img { height: 52px; width: auto; display: block; }

  .fd-masthead-label {
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--fd-secondary);
    white-space: nowrap;
  }

  /* ---- Hero ---- */
  .fd-hero {
    position: relative;
    margin-top: 26px;
    border-radius: 6px;
    overflow: hidden;
    min-height: 330px;
    display: flex;
    align-items: flex-end;
  }

  .fd-hero-img {
    position: absolute;
    top: 0; right: 0; bottom: 0; left: 0;
    width: 100%; height: 100%;
    object-fit: cover;
    display: block;
  }

  .fd-hero::after {
    content: "";
    position: absolute;
    top: 0; right: 0; bottom: 0; left: 0;
    background: linear-gradient(100deg,
      rgba(0,51,102,0.94) 0%,
      rgba(0,51,102,0.86) 42%,
      rgba(0,51,102,0.30) 100%);
  }

  .fd-hero-inner {
    position: relative;
    z-index: 1;
    padding: 40px 40px 38px;
    max-width: 640px;
  }

  /* red rule = brand accent motif (Brand Guide p.4) */
  .fd-rule {
    width: 62px;
    height: 4px;
    background: var(--fd-red);
    border: 0;
    margin: 0 0 18px;
  }

  .fd-eyebrow {
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--fd-blue-bright);
    margin-bottom: 10px;
  }

  .fd-hero h1 {
    font-size: clamp(28px, 4vw, 40px);
    font-weight: 800;
    line-height: 1.12;
    letter-spacing: -0.01em;
    color: var(--fd-white);
    margin: 0 0 14px;
  }

  .fd-hero p {
    font-size: 16px;
    font-weight: 300;
    line-height: 1.62;
    color: #dbe6ef;
    margin: 0;
    max-width: 500px;
  }

  /* ---- Card grid ---- */
  .fd-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    margin-top: 28px;
  }

  .fd-card {
    display: flex;
    flex-direction: column;
    background: var(--fd-white);
    border: 1px solid var(--fd-bg-mid);
    border-radius: 6px;
    overflow: hidden;
    text-decoration: none;
    color: inherit;
    transition: box-shadow .2s ease, transform .2s ease, border-color .2s ease;
  }

  .fd-card:hover {
    transform: translateY(-3px);
    border-color: var(--fd-blue-bright);
    box-shadow: 0 12px 26px rgba(0,51,102,0.14);
  }

  .fd-card:focus-visible {
    outline: 3px solid var(--fd-blue-bright);
    outline-offset: 2px;
  }

  .fd-card-media {
    position: relative;
    height: 152px;
    background: var(--fd-bg-light);
    overflow: hidden;
  }

  .fd-card-media img {
    width: 100%; height: 100%;
    object-fit: cover;
    display: block;
  }

  .fd-icon {
    position: absolute;
    left: 20px;
    bottom: 0;
    transform: translateY(50%);
    width: 46px; height: 46px;
    border-radius: 6px;
    background: var(--fd-white);
    box-shadow: 0 4px 12px rgba(0,51,102,0.20);
    display: flex; align-items: center; justify-content: center;
  }

  /* icons: dark-blue stroke, bright-blue accent (Brand Guide p.14) */
  .fd-icon svg {
    width: 23px; height: 23px;
    fill: none;
    stroke: var(--fd-navy);
    stroke-width: 1.7;
    stroke-linecap: round;
    stroke-linejoin: round;
  }

  .fd-icon svg .accent { stroke: var(--fd-blue-bright); }

  .fd-card-body {
    padding: 36px 24px 24px;
    display: flex;
    flex-direction: column;
    flex: 1 1 auto;
  }

  .fd-card h2 {
    font-size: 18px;
    font-weight: 800;
    line-height: 1.25;
    color: var(--fd-navy);
    margin: 0 0 8px;
  }

  .fd-card p {
    font-size: 14px;
    font-weight: 300;
    line-height: 1.6;
    color: var(--fd-body);
    margin: 0 0 18px;
  }

  .fd-cta {
    margin-top: auto;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    font-weight: 600;
    color: var(--fd-red);
  }

  .fd-cta svg {
    width: 15px; height: 15px;
    fill: none;
    stroke: var(--fd-red);
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
    transition: transform .2s ease;
  }

  .fd-card:hover .fd-cta svg { transform: translateX(4px); }

  /* ---- Footer ---- */
  .fd-footer {
    margin-top: 34px;
    padding: 18px 4px 6px;
    border-top: 1px solid var(--fd-bg-mid);
    display: flex;
    justify-content: space-between;
    gap: 16px;
    flex-wrap: wrap;
    font-size: 12px;
    color: var(--fd-secondary);
  }

  @media (max-width: 680px) {
    .fd-grid { grid-template-columns: 1fr; }
    .fd-hero { min-height: 290px; }
    .fd-hero-inner { padding: 30px 26px 28px; }
    .fd-masthead img { height: 42px; }
  }

  @media (prefers-reduced-motion: reduce) {
    .fd-card, .fd-cta svg { transition: none; }
  }

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