.digital-foundation {
  background: #f3f6f9;
  padding: 100px 0;
}

.foundation-grid {
  border-left: 1px solid #d8dee7;
  border-top: 1px solid #d8dee7;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
}

.foundation-grid article {
  background: #fff;
  border-bottom: 1px solid #d8dee7;
  border-right: 1px solid #d8dee7;
  padding: 32px;
}

.foundation-grid header {
  align-items: center;
  display: flex;
  gap: 20px;
  justify-content: space-between;
}

.foundation-grid header > span {
  color: #6c7488;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
}

.state {
  border: 1px solid currentColor;
  font-size: 8px;
  letter-spacing: .08em;
  padding: 6px 8px;
  text-transform: uppercase;
}

.state.established { color: #16845b; }
.state.growing { color: #635bff; }
.state.emerging { color: #b9770e; }
.state.unmapped { color: #a4514a; }

.foundation-grid h3 {
  font: 700 25px "Manrope", sans-serif;
  letter-spacing: -.04em;
  margin: 25px 0 10px;
}

.foundation-grid > article > p {
  color: #6c7488;
  font-size: 14px;
  line-height: 1.7;
  min-height: 96px;
}

.foundation-grid dl {
  border-top: 1px solid #e2e6ed;
  margin: 24px 0 0;
}

.foundation-grid dl div {
  display: grid;
  gap: 20px;
  grid-template-columns: 125px 1fr;
  padding-top: 15px;
}

.foundation-grid dt {
  color: #8a91a0;
  font-size: 9px;
  font-weight: 800;
  text-transform: uppercase;
}

.foundation-grid dd {
  color: #252839;
  font-size: 12px;
  line-height: 1.5;
  margin: 0;
}

.foundation-note {
  color: #70788a;
  font-size: 11px;
  line-height: 1.6;
  margin: 22px 0 0;
}

.opportunity-map {
  background: #102f3b;
  color: #fff;
  padding: 100px 0;
}

.cod-settlement {
  background: #fff8e8;
  border-bottom: 1px solid #ead9ae;
  border-top: 1px solid #ead9ae;
  padding: 100px 0;
}

.cod-grid {
  display: grid;
  gap: 80px;
  grid-template-columns: .75fr 1.25fr;
}

.cod-finding {
  border-right: 1px solid #dfcca0;
  padding-right: 55px;
}

.cod-finding > strong {
  color: #bd6812;
  display: block;
  font: 700 86px "Manrope", sans-serif;
  letter-spacing: -.07em;
  margin: 20px 0 6px;
}

.cod-finding > strong small {
  font-size: 20px;
  letter-spacing: 0;
  margin-left: 8px;
}

.cod-finding h2,
.cod-standard h2 {
  font: 700 34px/1.08 "Manrope", sans-serif;
  letter-spacing: -.05em;
  margin: 10px 0 20px;
}

.cod-finding p,
.cod-note {
  color: #765f3c;
  font-size: 14px;
  line-height: 1.7;
}

.cod-finding a,
.cod-standard > a {
  color: #8a5413;
  font-size: 11px;
  font-weight: 800;
  text-decoration: none;
}

.settlement-flow {
  align-items: center;
  border-bottom: 1px solid #dfcca0;
  border-top: 1px solid #dfcca0;
  display: grid;
  gap: 12px;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  margin: 30px 0;
  padding: 20px 0;
}

.settlement-flow span {
  color: #5d4c34;
  font-size: 11px;
  line-height: 1.4;
}

.settlement-flow b {
  color: #bd6812;
  display: block;
  font-size: 9px;
  margin-bottom: 5px;
}

.settlement-flow i {
  color: #bd6812;
  font-style: normal;
}

.cod-standard ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.cod-standard li {
  border-bottom: 1px solid #ead9ae;
  display: grid;
  gap: 25px;
  grid-template-columns: 180px 1fr;
  padding: 16px 0;
}

.cod-standard li strong {
  font-size: 12px;
}

.cod-standard li span {
  color: #765f3c;
  font-size: 12px;
  line-height: 1.55;
}

.payment-affordability {
  border-top: 1px solid #dfcca0;
  display: grid;
  gap: 0;
  grid-template-columns: 1.1fr .9fr;
  margin-top: 70px;
  padding-top: 55px;
}

.affordability-intro { padding: 0 60px 42px 0; }
.affordability-intro h2 { font: 700 38px/1.08 "Manrope", sans-serif; letter-spacing: -.05em; margin: 18px 0; }
.affordability-intro p,
.affordability-metric p,
.affordability-evidence { color: #765f3c; font-size: 13px; line-height: 1.7; }
.affordability-metric { border-left: 1px solid #dfcca0; padding: 0 0 42px 50px; }
.affordability-metric > span { color: #8a5413; font-size: 9px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.affordability-metric strong { color: #bd6812; display: block; font: 700 28px/1.15 "Manrope", sans-serif; letter-spacing: -.04em; margin: 16px 0; }
.cost-stack { border: 1px solid #dfcca0; display: grid; grid-column: 1 / -1; grid-template-columns: repeat(5, 1fr); }
.cost-stack span { align-items: center; border-right: 1px solid #dfcca0; color: #5d4c34; display: flex; font-size: 10px; font-weight: 700; min-height: 72px; padding: 15px; }
.cost-stack span:last-child { border-right: 0; }
.affordability-standard { grid-column: 1 / -1; padding-top: 40px; }
.affordability-standard h3 { font: 700 19px "Manrope", sans-serif; margin: 0 0 10px; }
.affordability-standard ul { display: grid; grid-template-columns: repeat(2, 1fr); list-style: none; margin: 0; padding: 0; }
.affordability-standard li { border-top: 1px solid #dfcca0; display: grid; gap: 10px; padding: 18px 35px 18px 0; }
.affordability-standard li:nth-child(even) { border-left: 1px solid #dfcca0; padding-left: 35px; }
.affordability-standard li strong { font-size: 12px; }
.affordability-standard li span { color: #765f3c; font-size: 11px; line-height: 1.55; }
.affordability-evidence { border-top: 1px solid #dfcca0; grid-column: 1 / -1; margin: 12px 0 0; padding-top: 22px; }
.affordability-evidence a { color: #8a5413; font-weight: 800; text-decoration: none; }

.opportunity-map .section-heading > p {
  color: #b8c8ce;
}

.opportunity-grid {
  border-left: 1px solid rgba(255,255,255,.16);
  border-top: 1px solid rgba(255,255,255,.16);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}

.opportunity-grid article {
  border-bottom: 1px solid rgba(255,255,255,.16);
  border-right: 1px solid rgba(255,255,255,.16);
  padding: 28px;
}

.opportunity-grid span {
  color: #aaa6ff;
  font-size: 9px;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.opportunity-grid h3 {
  font: 700 21px "Manrope", sans-serif;
  letter-spacing: -.035em;
  margin: 20px 0 10px;
}

.opportunity-grid p {
  color: #bdcbd0;
  font-size: 13px;
  line-height: 1.65;
  min-height: 88px;
}

.opportunity-grid b {
  color: #fff;
  font-size: 9px;
  text-transform: uppercase;
}

@media (max-width: 800px) {
  .digital-foundation,
  .opportunity-map,
  .cod-settlement { padding: 70px 0; }
  .cod-grid { gap: 35px; grid-template-columns: 1fr; }
  .cod-finding { border-bottom: 1px solid #dfcca0; border-right: 0; padding-bottom: 35px; padding-right: 0; }
  .payment-affordability { grid-template-columns: 1fr; margin-top: 50px; padding-top: 40px; }
  .affordability-intro { padding-right: 0; }
  .affordability-metric { border-left: 0; border-top: 1px solid #dfcca0; padding: 30px 0; }
  .cost-stack { grid-template-columns: 1fr; }
  .cost-stack span { border-bottom: 1px solid #dfcca0; border-right: 0; min-height: 0; }
  .cost-stack span:last-child { border-bottom: 0; }
  .affordability-standard ul { grid-template-columns: 1fr; }
  .affordability-standard li:nth-child(even) { border-left: 0; padding-left: 0; }
  .foundation-grid { grid-template-columns: 1fr; }
  .opportunity-grid { grid-template-columns: repeat(2, 1fr); }
  .foundation-grid > article > p,
  .opportunity-grid p { min-height: 0; }
}

@media (max-width: 520px) {
  .opportunity-grid { grid-template-columns: 1fr; }
  .foundation-grid dl div { grid-template-columns: 1fr; gap: 5px; }
  .settlement-flow { align-items: start; grid-template-columns: 1fr; }
  .settlement-flow i { transform: rotate(90deg); }
  .cod-standard li { grid-template-columns: 1fr; gap: 6px; }
}