/* ==========================================================================
   Accural Research & Advisory — Design System
   Editorial, bespoke financial-advisory aesthetic.
   ========================================================================== */

:root{
  --navy: #0B1A33;
  --navy-2: #122544;
  --navy-3: #1B3157;
  --cream: #FAF6EE;
  --cream-2: #F3ECDD;
  --paper: #FFFDF8;
  --ink: #14181F;
  --ink-soft: #4A5262;
  --slate: #6B7385;
  --line: rgba(11,26,51,0.10);
  --line-soft: rgba(11,26,51,0.07);
  --gold: #B8905A;
  --gold-deep: #9C7943;
  --gold-pale: #E7D3AE;
  --emerald: #24463B;
  --emerald-2: #2F5C4C;
  --emerald-pale: #D9E5DD;
  --white: #ffffff;

  --serif: "Fraunces", "Iowan Old Style", "Palatino Linotype", Georgia, serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --container: 1220px;
  --radius-sm: 4px;
  --radius: 10px;
  --radius-lg: 22px;
  --ease: cubic-bezier(.22,.61,.36,1);
  --shadow-sm: 0 2px 10px rgba(11,26,51,0.06);
  --shadow: 0 12px 40px rgba(11,26,51,0.10);
  --shadow-lg: 0 24px 70px rgba(11,26,51,0.16);
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  background:var(--cream);
  color:var(--ink);
  font-family:var(--sans);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
ul{ margin:0; padding:0; list-style:none; }
button{ font-family:inherit; }
h1,h2,h3,h4{
  font-family:var(--serif);
  font-weight:600;
  line-height:1.12;
  margin:0 0 .5em;
  letter-spacing:-0.01em;
  color:var(--navy);
}
p{ margin:0 0 1em; color:var(--ink-soft); }
.container{
  width:100%;
  max-width:var(--container);
  margin:0 auto;
  padding:0 32px;
}

/* -------------------------------------------------- utility -------- */
.eyebrow{
  font-family:var(--sans);
  font-size:12.5px;
  font-weight:600;
  letter-spacing:.16em;
  text-transform:uppercase;
  color:var(--gold-deep);
  display:inline-flex;
  align-items:center;
  gap:10px;
  margin-bottom:18px;
}
.eyebrow::before{
  content:"";
  width:28px; height:1px;
  background:var(--gold-deep);
  display:inline-block;
}
.eyebrow.on-dark{ color:var(--gold-pale); }
.eyebrow.on-dark::before{ background:var(--gold-pale); }

.section{ padding:112px 0; }
.section-tight{ padding:72px 0; }
.section-navy{ background:var(--navy); color:var(--cream); }
.section-navy h2, .section-navy h3{ color:var(--cream); }
.section-navy p{ color:rgba(250,246,238,0.72); }
.section-cream2{ background:var(--cream-2); }

.grid-2{ display:grid; grid-template-columns:1fr 1fr; gap:64px; }
.grid-3{ display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
.grid-4{ display:grid; grid-template-columns:repeat(4,1fr); gap:24px; }

.center{ text-align:center; }
.max-w{ max-width:640px; margin-left:auto; margin-right:auto; }

.reveal{ opacity:0; transform:translateY(22px); transition:opacity .6s var(--ease), transform .6s var(--ease); }
.reveal.is-visible{ opacity:1; transform:translateY(0); }
.reveal-delay-1{ transition-delay:.06s; }
.reveal-delay-2{ transition-delay:.12s; }
.reveal-delay-3{ transition-delay:.18s; }
.reveal-delay-4{ transition-delay:.24s; }
@media (prefers-reduced-motion: reduce){
  .reveal{ opacity:1 !important; transform:none !important; }
}

/* -------------------------------------------------- buttons --------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  padding:16px 30px;
  border-radius:3px;
  font-size:14.5px;
  font-weight:600;
  letter-spacing:.02em;
  cursor:pointer;
  border:1px solid transparent;
  transition:transform .35s var(--ease), box-shadow .35s var(--ease), background .3s ease, color .3s ease, border-color .3s ease;
  white-space:nowrap;
}
.btn-gold{
  background:linear-gradient(180deg,#C39B65,var(--gold-deep));
  color:var(--navy);
  box-shadow:0 1px 0 rgba(255,255,255,0.4) inset, 0 10px 24px rgba(156,121,67,0.28);
}
.btn-gold:hover{ transform:translateY(-2px); box-shadow:0 1px 0 rgba(255,255,255,0.4) inset, 0 16px 30px rgba(156,121,67,0.36); }
.btn-outline{
  background:transparent;
  border-color:rgba(250,246,238,0.4);
  color:var(--cream);
}
.btn-outline:hover{ border-color:var(--cream); background:rgba(250,246,238,0.08); transform:translateY(-2px); }
.btn-outline-navy{
  background:transparent;
  border-color:var(--navy);
  color:var(--navy);
}
.btn-outline-navy:hover{ background:var(--navy); color:var(--cream); transform:translateY(-2px); }
.btn-emerald{
  background:var(--emerald);
  color:var(--cream);
  box-shadow:0 10px 24px rgba(36,70,59,0.24);
}
.btn-emerald:hover{ transform:translateY(-2px); background:var(--emerald-2); }
.btn-block{ width:100%; }
.btn-sm{ padding:12px 20px; font-size:13.5px; }

/* -------------------------------------------------- header ---------- */
.site-header{
  position:fixed; top:0; left:0; right:0; z-index:500;
  padding:22px 0;
  transition:background .4s ease, padding .4s ease, box-shadow .4s ease, border-color .4s ease;
  border-bottom:1px solid transparent;
}
.site-header.is-scrolled{
  background:rgba(250,246,238,0.92);
  backdrop-filter:blur(14px);
  -webkit-backdrop-filter:blur(14px);
  padding:14px 0;
  border-bottom-color:var(--line);
  box-shadow:0 4px 24px rgba(11,26,51,0.06);
}
.site-header .container{ max-width:1340px; }
.header-row{ display:flex; align-items:center; justify-content:space-between; gap:20px; }
.brand{ display:flex; align-items:center; flex-shrink:0; text-decoration:none; transition:opacity .3s ease; }
.brand-logo-img{ height:38px; width:auto; display:block; object-fit:contain; }
.footer-brand .brand-logo-img{ height:44px; margin-bottom:18px; }

.main-nav{ display:flex; align-items:center; gap:26px; flex-shrink:1; }
.main-nav a{
  font-size:13.5px; font-weight:500; color:var(--cream);
  position:relative; padding:4px 0; white-space:nowrap;
  transition:color .4s ease;
}
.main-nav a::after{
  content:""; position:absolute; left:0; right:0; bottom:-2px; height:1px;
  background:var(--gold-pale); transform:scaleX(0); transform-origin:right;
  transition:transform .35s var(--ease);
}
.main-nav a:hover::after, .main-nav a.active::after{ transform:scaleX(1); transform-origin:left; }
.main-nav a.active{ color:var(--gold-pale); }

.header-cta{ display:flex; align-items:center; gap:14px; flex-shrink:0; }
.header-phone{ font-size:13px; font-weight:600; color:var(--cream); display:flex; align-items:center; gap:8px; transition:color .4s ease; white-space:nowrap; }
.header-phone svg{ width:15px; height:15px; }

.nav-toggle{
  display:none; width:42px; height:42px; border:1px solid rgba(250,246,238,0.3); border-radius:2px;
  background:transparent; align-items:center; justify-content:center; cursor:pointer;
  transition:border-color .4s ease;
}
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after{
  content:""; display:block; width:18px; height:1.5px; background:var(--cream); position:relative; transition:.3s;
}
.nav-toggle span::before{ position:absolute; top:-6px; }
.nav-toggle span::after{ position:absolute; top:6px; }
.nav-toggle.is-active span{ background:transparent; }
.nav-toggle.is-active span::before{ top:0; transform:rotate(45deg); }
.nav-toggle.is-active span::after{ top:0; transform:rotate(-45deg); }

/* -- scrolled state: header now sits on a light blurred bar -- */
.site-header.is-scrolled .brand{ background:var(--navy); padding:5px 12px; border-radius:6px; }
.site-header.is-scrolled .main-nav a{ color:var(--navy); }
.site-header.is-scrolled .main-nav a::after{ background:var(--gold-deep); }
.site-header.is-scrolled .main-nav a.active{ color:var(--gold-deep); }
.site-header.is-scrolled .header-phone{ color:var(--navy); }
.site-header.is-scrolled .nav-toggle{ border-color:var(--line); }
.site-header.is-scrolled .nav-toggle span,
.site-header.is-scrolled .nav-toggle span::before,
.site-header.is-scrolled .nav-toggle span::after{ background:var(--navy); }

.mobile-drawer{
  display:none; flex-direction:column; gap:4px;
  max-height:0; overflow:hidden; opacity:0;
  transition:max-height .4s var(--ease), opacity .3s ease;
  background:var(--cream); border-top:1px solid transparent;
}
.mobile-drawer.is-open{ max-height:520px; opacity:1; border-top-color:var(--line); }
.mobile-drawer a{
  padding:16px 32px; font-size:15px; font-weight:500; color:var(--navy);
  border-bottom:1px solid var(--line-soft);
}
.mobile-drawer a.active{ color:var(--gold-deep); }
.mobile-drawer .btn{ margin:16px 32px; width:calc(100% - 64px); }
@media (max-width: 900px){
  .mobile-drawer{ display:flex; }
}

/* -------------------------------------------------- hero ------------ */
.hero{
  position:relative;
  background: var(--navy) url('https://res.cloudinary.com/ddam1v1kr/image/upload/f_auto/hero-image-1_iuzdmp.webp') no-repeat right center / cover;
  color:var(--cream);
  padding:190px 0 80px;
  min-height:82vh;
  display:flex;
  flex-direction:column;
  justify-content:flex-end;
  overflow:hidden;
}
.hero::before{
  content:"";
  position:absolute; inset:0;
  background: linear-gradient(90deg, rgba(10,20,40,0.95) 0%, rgba(10,20,40,0.80) 38%, rgba(10,20,40,0.35) 62%, rgba(10,20,40,0.04) 100%);
  pointer-events:none;
  z-index:1;
}
.hero::after{
  content:"";
  position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(250,246,238,0.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(250,246,238,0.045) 1px, transparent 1px);
  background-size:64px 64px;
  mask-image:linear-gradient(to bottom, black, transparent 75%);
  pointer-events:none;
  z-index:1;
}
.hero-inner{
  position:relative;
  z-index:2;
}
.hero h1{
  color:var(--cream);
  font-size:clamp(34px,4.4vw,56px);
  font-weight:560;
  line-height:1.15;
  letter-spacing:-0.015em;
  margin-bottom:18px;
}
.hero h1 em{ font-style:italic; color:var(--gold-pale); font-weight:500; }
.hero-lede{
  font-size:17.5px; line-height:1.6; color:rgba(250,246,238,0.85);
  max-width:600px; margin-bottom:32px;
}
.hero-ctas{ display:flex; gap:14px; flex-wrap:wrap; margin-bottom:44px; }

.trust-row{
  display:flex; flex-wrap:wrap; gap:14px 36px;
  padding-top:28px; border-top:1px solid rgba(250,246,238,0.14);
  position:relative; z-index:3;
}
.trust-item{ display:flex; align-items:center; gap:10px; font-size:12.5px; color:rgba(250,246,238,0.68); }
.trust-item strong{ color:var(--gold-pale); font-family:var(--serif); font-size:18px; font-weight:600; display:block; }
.trust-item .lbl{ display:flex; flex-direction:column; gap:2px; }

.hero-figure{
  position:absolute; right:3%; top:0; bottom:0; width:28%;
  display:flex; align-items:flex-end; justify-content:center;
  padding-bottom:56px;
  z-index:2;
}
.hero-orbit{
  position:relative; width:220px; height:220px; max-width:80%;
}
.hero-ring{
  position:absolute; inset:0; border:1px solid rgba(199,160,105,0.25); border-radius:50%;
}
.hero-ring.r2{ inset:24px; border-color:rgba(199,160,105,0.18); }
.hero-ring.r3{ inset:48px; border-color:rgba(199,160,105,0.12); }
.hero-card{
  position:absolute; width:130px; padding:10px 12px;
  background:rgba(10,20,40,0.75);
  border:1px solid rgba(250,246,238,0.22);
  border-radius:8px;
  backdrop-filter:blur(14px);
  -webkit-backdrop-filter:blur(14px);
  box-shadow:0 8px 20px rgba(0,0,0,0.26);
  animation:float 7s ease-in-out infinite;
}
.hero-card .k{ font-size:8.5px; letter-spacing:.08em; text-transform:uppercase; color:rgba(250,246,238,0.75); margin-bottom:3px; font-weight:600; }
.hero-card .v{ font-family:var(--serif); font-size:16.5px; color:var(--gold-pale); font-weight:600; }
.hero-card.c1{ top:-4%; left:-14px; }
.hero-card.c2{ bottom:-4%; right:-14px; animation-delay:1.4s; }
@keyframes float{ 0%,100%{ transform:translateY(0); } 50%{ transform:translateY(-8px); } }

/* -------------------------------------------------- marquee --------- */
.strip{
  background:var(--cream-2); border-top:1px solid var(--line); border-bottom:1px solid var(--line);
  padding:20px 0; overflow:hidden;
}
.strip-inner{ display:flex; gap:56px; align-items:center; white-space:nowrap; }
.strip-item{ font-size:12.5px; letter-spacing:.1em; text-transform:uppercase; color:var(--slate); font-weight:600; display:flex; align-items:center; gap:10px; }
.strip-item .dot{ width:4px; height:4px; border-radius:50%; background:var(--gold); }

/* -------------------------------------------------- verticals grid -- */
.section-head{ max-width:640px; margin-bottom:64px; }
.section-head.center{ margin-left:auto; margin-right:auto; text-align:center; }

.vert-grid{ display:grid; grid-template-columns:1fr 1fr; gap:28px; }
.vert-card{
  position:relative;
  border-radius:var(--radius-lg);
  padding:44px 40px;
  overflow:hidden;
  min-height:360px;
  display:flex; flex-direction:column; justify-content:flex-end;
  border:1px solid var(--line);
}
.vert-card.wealth{ background:linear-gradient(155deg,var(--navy),var(--navy-3)); color:var(--cream); }
.vert-card.credit{ background:var(--paper); }
.vert-card h3{ font-size:29px; }
.vert-card.wealth h3{ color:var(--cream); }
.vert-card p{ font-size:15px; }
.vert-card.wealth p{ color:rgba(250,246,238,0.68); }
.vert-icon{
  width:52px; height:52px; border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  margin-bottom:22px;
}
.vert-card.wealth .vert-icon{ background:rgba(199,160,105,0.16); border:1px solid rgba(199,160,105,0.35); }
.vert-card.credit .vert-icon{ background:var(--emerald-pale); border:1px solid rgba(47,92,76,0.25); }
.vert-tags{ display:flex; flex-wrap:wrap; gap:8px; margin-top:20px; }
.vert-tag{ font-size:11.5px; padding:6px 12px; border-radius:20px; letter-spacing:.02em; }
.vert-card.wealth .vert-tag{ background:rgba(250,246,238,0.08); border:1px solid rgba(250,246,238,0.18); color:rgba(250,246,238,0.85); }
.vert-card.credit .vert-tag{ background:var(--cream-2); border:1px solid var(--line); color:var(--navy); }
.vert-link{ margin-top:26px; display:inline-flex; align-items:center; gap:8px; font-size:13.5px; font-weight:600; }
.vert-card.wealth .vert-link{ color:var(--gold-pale); }
.vert-card.credit .vert-link{ color:var(--emerald-2); }
.vert-link svg{ transition:transform .3s var(--ease); }
.vert-card:hover .vert-link svg{ transform:translateX(4px); }

/* -------------------------------------------------- service cards --- */
.svc-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.svc-card{
  background:var(--paper);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:24px 24px 28px;
  transition:transform .4s var(--ease), box-shadow .4s var(--ease), border-color .4s;
  position:relative;
  display:flex;
  flex-direction:column;
  overflow:hidden;
}
.svc-card:hover{ transform:translateY(-6px); box-shadow:var(--shadow); border-color:rgba(184,144,90,0.4); }
.svc-img{
  width:100%;
  height:185px;
  border-radius:calc(var(--radius) - 3px);
  overflow:hidden;
  margin-bottom:18px;
  background:var(--cream-2);
  border:1px solid var(--line-soft);
}
.svc-img img{
  width:100%;
  height:100%;
  object-fit:cover;
  display:block;
  transition:transform .6s var(--ease);
}
.svc-card:hover .svc-img img{ transform:scale(1.05); }
.svc-num{ font-family:var(--serif); font-size:13px; color:var(--gold-deep); letter-spacing:.06em; margin-bottom:10px; display:block; }
.svc-card h4{ font-size:20px; margin-bottom:10px; }
.svc-card p{ font-size:14.5px; margin-bottom:20px; flex-grow:1; }
.svc-foot{ display:flex; align-items:center; justify-content:space-between; padding-top:18px; border-top:1px solid var(--line-soft); }
.svc-link{ font-size:13px; font-weight:600; color:var(--emerald-2); cursor:pointer; background:none; border:none; padding:0; display:flex; align-items:center; gap:6px; }
.svc-link:hover{ color:var(--gold-deep); }

/* -------------------------------------------------- stat band ------- */
.stat-band{ display:grid; grid-template-columns:repeat(4,1fr); border-top:1px solid var(--line); border-bottom:1px solid var(--line); }
.stat-item{ padding:40px 30px; text-align:center; border-left:1px solid var(--line); }
.stat-item:first-child{ border-left:none; }
.stat-num{ font-family:var(--serif); font-size:38px; color:var(--navy); font-weight:600; }
.stat-num .unit{ font-size:22px; color:var(--gold-deep); }
.stat-lbl{ font-size:12.5px; letter-spacing:.06em; text-transform:uppercase; color:var(--slate); margin-top:6px; }

/* -------------------------------------------------- why us ---------- */
.why-grid{ display:grid; grid-template-columns:repeat(2,1fr); gap:1px; background:var(--line); border:1px solid var(--line); border-radius:var(--radius); overflow:hidden; }
.why-item{ background:var(--paper); padding:38px; }
.why-item .n{ font-family:var(--serif); font-size:15px; color:var(--gold-deep); margin-bottom:14px; display:block; }
.why-item h4{ font-size:19px; margin-bottom:10px; }
.why-item p{ font-size:14.5px; margin:0; }

/* -------------------------------------------------- calculators ----- */
.calc-shell{
  background:var(--paper); border:1px solid var(--line); border-radius:var(--radius-lg);
  padding:44px; box-shadow:var(--shadow-sm);
}
.calc-grid{ display:grid; grid-template-columns:1fr 1fr; gap:48px; }
.calc-field{ margin-bottom:26px; }
.calc-field label{ display:flex; justify-content:space-between; font-size:13px; font-weight:600; color:var(--navy); margin-bottom:10px; }
.calc-field .val{ color:var(--gold-deep); font-family:var(--serif); font-size:15px; }
input[type=range]{
  -webkit-appearance:none; width:100%; height:3px; background:var(--line); border-radius:2px; outline:none;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none; width:17px; height:17px; border-radius:50%;
  background:var(--gold-deep); border:3px solid var(--paper); box-shadow:0 0 0 1px var(--gold-deep);
  cursor:pointer; margin-top:-1px;
}
input[type=range]::-moz-range-thumb{
  width:17px; height:17px; border-radius:50%; background:var(--gold-deep); border:3px solid var(--paper); box-shadow:0 0 0 1px var(--gold-deep); cursor:pointer;
}
.field-row{ display:flex; gap:16px; }
.field-row .calc-field{ flex:1; }
.calc-tabs{ display:flex; gap:6px; margin-bottom:32px; background:var(--cream-2); padding:6px; border-radius:8px; }
.calc-tab{ flex:1; text-align:center; padding:11px; font-size:13px; font-weight:600; color:var(--slate); border-radius:6px; cursor:pointer; transition:.3s; background:none; border:none; }
.calc-tab.active{ background:var(--navy); color:var(--cream); }
.calc-result{
  background:linear-gradient(155deg,var(--navy),var(--navy-3));
  border-radius:var(--radius); padding:34px; color:var(--cream);
  display:flex; flex-direction:column; gap:22px; justify-content:center; height:100%;
}
.result-row{ display:flex; justify-content:space-between; align-items:baseline; padding-bottom:16px; border-bottom:1px solid rgba(250,246,238,0.14); }
.result-row:last-of-type{ border-bottom:none; padding-bottom:0; }
.result-row .rlbl{ font-size:12.5px; letter-spacing:.04em; text-transform:uppercase; color:rgba(250,246,238,0.6); }
.result-row .rval{ font-family:var(--serif); font-size:26px; color:var(--cream); }
.result-row.hi .rval{ color:var(--gold-pale); font-size:32px; }
.calc-note{ font-size:12px; color:rgba(250,246,238,0.5); margin:0; }
input[type=text], input[type=tel], input[type=email], input[type=number], select, textarea{
  width:100%; padding:14px 16px; border:1px solid var(--line); border-radius:6px;
  font-family:var(--sans); font-size:14.5px; background:var(--paper); color:var(--ink);
  transition:border-color .25s, box-shadow .25s;
}
input:focus, select:focus, textarea:focus{ outline:none; border-color:var(--gold-deep); box-shadow:0 0 0 3px rgba(184,144,90,0.14); }
textarea{ resize:vertical; min-height:96px; }
.form-row{ display:flex; gap:14px; }
.form-row > *{ flex:1; }
.form-field{ margin-bottom:16px; }
.form-field label{ display:block; font-size:12.5px; font-weight:600; color:var(--navy); margin-bottom:7px; letter-spacing:.02em; }
.form-error{ font-size:12px; color:#B0452F; margin-top:6px; display:none; }
.form-field.invalid input, .form-field.invalid select, .form-field.invalid textarea{ border-color:#B0452F; }
.form-field.invalid .form-error{ display:block; }

/* -------------------------------------------------- testimonial ----- */
.quote-block{
  max-width:820px; margin:0 auto; text-align:center;
}
.quote-block .mark{ font-family:var(--serif); font-size:64px; color:var(--gold); line-height:1; margin-bottom:8px; }
.quote-block blockquote{ font-family:var(--serif); font-size:clamp(22px,2.6vw,30px); color:var(--navy); font-weight:500; line-height:1.4; margin:0 0 24px; font-style:italic; }
.quote-attr{ font-size:13.5px; color:var(--slate); }
.quote-attr strong{ color:var(--navy); }

/* -------------------------------------------------- CTA band -------- */
.cta-band{
  background:var(--emerald); border-radius:var(--radius-lg); padding:64px 64px;
  display:flex; align-items:center; justify-content:space-between; gap:40px; color:var(--cream);
  position:relative; overflow:hidden;
}
.cta-band::before{
  content:""; position:absolute; right:-60px; top:-60px; width:260px; height:260px;
  border:1px solid rgba(250,246,238,0.14); border-radius:50%;
}
.cta-band h3{ color:var(--cream); font-size:30px; margin-bottom:8px; max-width:460px; }
.cta-band p{ color:rgba(250,246,238,0.72); margin:0; max-width:420px; }
.cta-actions{ display:flex; gap:14px; flex-shrink:0; position:relative; z-index:2; }

/* -------------------------------------------------- page hero (inner) */
.page-hero{
  background:var(--navy); color:var(--cream); padding:170px 0 80px; position:relative; overflow:hidden;
}
.page-hero::before{
  content:""; position:absolute; inset:0;
  background:radial-gradient(ellipse 800px 500px at 90% 0%, rgba(184,144,90,0.18), transparent 60%);
}
.page-hero .container{ position:relative; z-index:2; }
.breadcrumb{ font-size:12.5px; color:rgba(250,246,238,0.55); margin-bottom:20px; display:flex; gap:8px; align-items:center; }
.breadcrumb a:hover{ color:var(--gold-pale); }
.page-hero h1{ color:var(--cream); font-size:clamp(32px,4.2vw,50px); max-width:700px; }
.page-hero .lede{ font-size:17px; color:rgba(250,246,238,0.72); max-width:600px; }

.badge-row {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  align-items: center;
}
.badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  border-radius: 100px;
  font-size: 13px;
  font-weight: 500;
  border: 1px solid var(--line);
  background: var(--cream-2);
}
.badge svg {
  width: 16px !important;
  height: 16px !important;
  max-width: 16px !important;
  max-height: 16px !important;
  flex-shrink: 0;
}

/* -------------------------------------------------- detail sections - */
.detail-row{ display:grid; grid-template-columns:0.9fr 1.1fr; gap:60px; align-items:center; padding:88px 0; border-bottom:1px solid var(--line); }
.detail-row:last-child{ border-bottom:none; }
.detail-row.reverse{ direction:rtl; }
.detail-row.reverse > *{ direction:ltr; }
.detail-figure{
  border-radius:var(--radius-lg); background:linear-gradient(155deg,var(--cream-2),var(--paper));
  border:1px solid var(--line); padding:36px; min-height:340px;
  display:flex; flex-direction:column; justify-content:center; gap:18px;
}
.detail-tag{ display:inline-flex; align-items:center; gap:8px; font-size:12px; font-weight:700; letter-spacing:.08em; text-transform:uppercase; color:var(--emerald-2); background:var(--emerald-pale); padding:8px 14px; border-radius:20px; width:fit-content; margin-bottom:18px; }
.detail-list{ margin:22px 0; }
.detail-list li{ display:flex; gap:12px; padding:10px 0; font-size:14.5px; color:var(--ink-soft); border-top:1px solid var(--line-soft); }
.detail-list li:first-child{ border-top:none; }
.detail-list svg{ flex-shrink:0; margin-top:3px; color:var(--gold-deep); }
.mini-metric{ display:flex; gap:28px; }
.mini-metric div strong{ display:block; font-family:var(--serif); font-size:26px; color:var(--navy); }
.mini-metric div span{ font-size:11.5px; color:var(--slate); text-transform:uppercase; letter-spacing:.05em; }

/* -------------------------------------------------- process steps --- */
.steps{ display:grid; grid-template-columns:repeat(4,1fr); gap:0; position:relative; }
.step{ padding:0 24px; position:relative; }
.step::before{ content:""; position:absolute; top:23px; left:-24px; right:calc(100% - 24px + 24px); height:1px; }
.step-num{ width:46px; height:46px; border-radius:50%; border:1px solid var(--gold-deep); color:var(--gold-deep); font-family:var(--serif); display:flex; align-items:center; justify-content:center; font-size:17px; margin-bottom:20px; background:var(--cream); position:relative; z-index:2; }
.step-line{ position:absolute; top:23px; left:0; right:0; height:1px; background:var(--line); z-index:1; }
.step h4{ font-size:17px; margin-bottom:8px; }
.step p{ font-size:13.5px; }

/* -------------------------------------------------- footer ---------- */
.site-footer{ background:var(--navy); color:rgba(250,246,238,0.7); padding-top:88px; }
.footer-top{ display:grid; grid-template-columns:1.4fr 0.8fr 0.8fr 1fr; gap:48px; padding-bottom:64px; border-bottom:1px solid rgba(250,246,238,0.1); }
.footer-brand .brand{ margin-bottom:18px; }
.footer-brand .brand-text .name{ color:var(--cream); }
.footer-brand p{ font-size:13.5px; color:rgba(250,246,238,0.55); max-width:280px; }
.footer-social{ display:flex; gap:10px; margin-top:20px; }
.footer-social a{ width:36px; height:36px; border:1px solid rgba(250,246,238,0.18); border-radius:50%; display:flex; align-items:center; justify-content:center; transition:.3s; }
.footer-social a:hover{ background:var(--gold-deep); border-color:var(--gold-deep); }
.footer-col h5{ font-size:12px; letter-spacing:.1em; text-transform:uppercase; color:var(--gold-pale); margin-bottom:20px; font-weight:600; }
.footer-col ul li{ margin-bottom:12px; }
.footer-col ul li a{ font-size:13.5px; color:rgba(250,246,238,0.65); transition:.25s; }
.footer-col ul li a:hover{ color:var(--gold-pale); }
.footer-contact li{ display:flex; gap:10px; font-size:13.5px; margin-bottom:16px; align-items:flex-start; color:rgba(250,246,238,0.65); }
.footer-contact svg{ flex-shrink:0; margin-top:2px; color:var(--gold-pale); }
.footer-bottom{ padding:28px 0 32px; display:flex; justify-content:space-between; align-items:center; gap:20px; font-size:12.5px; color:rgba(250,246,238,0.45); }
.footer-legal-links{ display:flex; gap:20px; }
.disclaimer-box{ padding:36px 0; border-bottom:1px solid rgba(250,246,238,0.1); }
.disclaimer-box p{ font-size:11.5px; line-height:1.8; color:rgba(250,246,238,0.42); margin-bottom:10px; }

.mf-risk-callout {
  background: rgba(250, 246, 238, 0.05);
  border-left: 3px solid var(--gold);
  padding: 12px 18px;
  border-radius: 0 6px 6px 0;
  margin-bottom: 16px;
  font-size: 13px;
  line-height: 1.5;
  color: var(--cream);
}
.mf-risk-callout strong {
  color: var(--gold-pale);
}

.mf-risk-bar {
  background: var(--navy-3);
  border-top: 1px solid rgba(250, 246, 238, 0.1);
  border-bottom: 1px solid rgba(250, 246, 238, 0.1);
  padding: 10px 0;
  font-size: 12.5px;
  color: var(--cream);
}
.mf-risk-bar .container {
  display: flex;
  align-items: center;
  gap: 12px;
}
.mf-risk-badge {
  background: rgba(199, 160, 105, 0.18);
  border: 1px solid rgba(199, 160, 105, 0.4);
  color: var(--gold-pale);
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 3px 8px;
  border-radius: 4px;
  flex-shrink: 0;
}
.mf-risk-text {
  color: rgba(250, 246, 238, 0.85);
  font-weight: 500;
}

/* -------------------------------------------------- floating WA ----- */
.wa-float{
  position:fixed; right:26px; bottom:26px; z-index:900;
  width:60px; height:60px; border-radius:50%;
  background:#1E8E5A;
  display:flex; align-items:center; justify-content:center;
  box-shadow:0 10px 30px rgba(30,142,90,0.4);
  cursor:pointer; border:none;
  transition:transform .3s var(--ease);
}
.wa-float:hover{ transform:scale(1.08); }
.wa-float::before{
  content:""; position:absolute; inset:0; border-radius:50%; background:#1E8E5A;
  animation:pulse-ring 2.4s ease-out infinite;
}
@keyframes pulse-ring{ 0%{ transform:scale(1); opacity:.55; } 100%{ transform:scale(1.9); opacity:0; } }
.wa-float svg{ width:28px; height:28px; position:relative; z-index:2; }
.wa-tip{
  position:absolute; right:70px; top:50%; transform:translateY(-50%) translateX(8px);
  background:var(--navy); color:var(--cream); font-size:12.5px; font-weight:600;
  padding:9px 14px; border-radius:6px; white-space:nowrap; opacity:0; pointer-events:none;
  transition:.3s var(--ease);
}
.wa-float:hover .wa-tip{ opacity:1; transform:translateY(-50%) translateX(0); }

/* -------------------------------------------------- modal ----------- */
.modal-overlay{
  position:fixed; inset:0; background:rgba(11,26,51,0.55); backdrop-filter:blur(4px);
  z-index:1000; display:flex; align-items:center; justify-content:center; padding:24px;
  opacity:0; pointer-events:none; transition:opacity .35s var(--ease);
}
.modal-overlay.is-open{ opacity:1; pointer-events:auto; }
.modal-box{
  background:var(--paper); border-radius:var(--radius-lg); max-width:560px; width:100%;
  max-height:88vh; overflow-y:auto; padding:44px;
  transform:translateY(24px) scale(.98); transition:transform .4s var(--ease);
  box-shadow:var(--shadow-lg);
}
.modal-overlay.is-open .modal-box{ transform:translateY(0) scale(1); }
.modal-head{ display:flex; justify-content:space-between; align-items:flex-start; margin-bottom:8px; }
.modal-head h3{ font-size:24px; margin-bottom:6px; }
.modal-head p{ font-size:13.5px; margin:0; }
.modal-close{ width:34px; height:34px; border-radius:50%; border:1px solid var(--line); background:none; cursor:pointer; display:flex; align-items:center; justify-content:center; flex-shrink:0; transition:.25s; }
.modal-close:hover{ background:var(--cream-2); }
.modal-body{ margin-top:26px; }
.modal-success{ text-align:center; padding:20px 0; display:none; }
.modal-success.show{ display:block; }
.modal-success .ico{ width:64px; height:64px; border-radius:50%; background:var(--emerald-pale); display:flex; align-items:center; justify-content:center; margin:0 auto 22px; color:var(--emerald-2); }
.modal-form.hide{ display:none; }
.hide{ display:none !important; }

/* -------------------------------------------------- image components - */
.hero-full-width-media {
  position: relative;
  width: 100%;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(250, 246, 238, 0.18);
  margin-top: 52px;
}
.hero-full-width-media img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  object-position: center;
  display: block;
  transition: transform 0.8s var(--ease);
}
.hero-full-width-media:hover img {
  transform: scale(1.02);
}
.hero-full-width-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(11, 26, 51, 0.1) 0%, rgba(11, 26, 51, 0.65) 100%);
  pointer-events: none;
}
.hero-media-caption {
  position: absolute;
  bottom: 24px;
  left: 28px;
  right: 28px;
  z-index: 3;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--cream);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  background: rgba(11, 26, 51, 0.72);
  border: 1px solid rgba(250, 246, 238, 0.22);
  padding: 16px 24px;
  border-radius: var(--radius);
}
.hero-media-caption .tag {
  font-size: 11.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-pale);
  font-weight: 600;
}
.hero-media-caption .desc {
  font-family: var(--serif);
  font-size: 16.5px;
  color: var(--cream);
  margin: 2px 0 0;
}

/* Feature Image Block */
.feature-image-block {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--line);
}
.feature-image-block img {
  width: 100%;
  height: 380px;
  object-fit: cover;
  display: block;
  transition: transform 0.6s var(--ease);
}
.feature-image-block:hover img {
  transform: scale(1.03);
}

/* Page Hero Header with Background Image */
.page-hero.has-bg-img {
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}
.page-hero.has-bg-img::before {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(11,26,51,0.92) 0%, rgba(11,26,51,0.80) 50%, rgba(11,26,51,0.88) 100%);
  pointer-events: none;
  z-index: 1;
}

/* Full Width Section Banner with Background Image */
.full-width-banner-section {
  position: relative;
  padding: 110px 0;
  background-size: cover;
  background-position: center;
  color: var(--cream);
  overflow: hidden;
}
.full-width-banner-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(11,26,51,0.92) 0%, rgba(11,26,51,0.80) 60%, rgba(36,70,59,0.88) 100%);
  pointer-events: none;
}
.full-width-banner-section .container {
  position: relative;
  z-index: 2;
}

/* Detail Image Frame */
.detail-image-frame {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  height: 100%;
  min-height: 340px;
}
.detail-image-frame img {
  width: 100%;
  height: 100%;
  min-height: 340px;
  object-fit: cover;
  display: block;
  transition: transform 0.7s var(--ease);
}
.detail-image-frame:hover img {
  transform: scale(1.04);
}
.detail-image-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(0deg, rgba(11,26,51,0.88) 0%, rgba(11,26,51,0.2) 65%, transparent 100%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 28px;
  color: var(--cream);
}
.detail-image-overlay h4 {
  color: var(--cream);
  font-size: 22px;
  margin-bottom: 6px;
}
.detail-image-overlay p {
  color: rgba(250,246,238,0.8);
  font-size: 13.5px;
  margin: 0;
}

/* -------------------------------------------------- responsive ------ */
@media (max-width: 1080px){
  .grid-4{ grid-template-columns:repeat(2,1fr); }
  .stat-band{ grid-template-columns:repeat(2,1fr); }
  .stat-item:nth-child(3){ border-left:none; }
  .footer-top{ grid-template-columns:1fr 1fr; gap:40px 30px; }
  .steps{ grid-template-columns:repeat(2,1fr); gap:40px 0; }
  .hero-full-width-media img { height: 380px; }
}
@media (max-width: 900px){
  .main-nav, .header-cta{ display:none; }
  .nav-toggle{ display:flex; }
  .hero-figure{ display:none; }
  .hero-lede{ display:none; }
  .hero{ padding:135px 0 48px; min-height:68vh; background-position:center top; background-size:cover; }
  .hero::before{ background: linear-gradient(180deg, rgba(10,20,40,0.60) 0%, rgba(10,20,40,0.85) 100%); }
  .hero-inner{ max-width:100%; }
  .grid-2{ grid-template-columns:1fr; gap:40px; }
  .grid-3{ grid-template-columns:1fr; }
  .vert-grid{ grid-template-columns:1fr; }
  .svc-grid{ grid-template-columns:1fr 1fr; }
  .why-grid{ grid-template-columns:1fr; }
  .calc-grid{ grid-template-columns:1fr; }
  .detail-row{ grid-template-columns:1fr; gap:32px; padding:56px 0; }
  .detail-row.reverse{ direction:ltr; }
  .detail-row .detail-figure, .detail-row .detail-image-frame{ order:-1; }
  .cta-band{ flex-direction:column; text-align:center; padding:48px 32px; }
  .cta-band h3, .cta-band p{ max-width:none; }
  .section{ padding:72px 0; }
  .hero-full-width-media img { height: 320px; }
  .hero-media-caption { flex-direction: column; align-items: flex-start; gap: 8px; }
}
@media (max-width: 640px){
  .container{ padding:0 20px; }
  .grid-4{ grid-template-columns:1fr; }
  .svc-grid{ grid-template-columns:1fr; }
  .stat-band{ grid-template-columns:1fr; }
  .stat-item{ border-left:none; border-top:1px solid var(--line); }
  .stat-item:first-child{ border-top:none; }
  .footer-top{ grid-template-columns:1fr; }
  .steps{ grid-template-columns:1fr; }
  .footer-bottom{ flex-direction:column; align-items:flex-start; gap:12px; }
  .form-row{ flex-direction:column; gap:0; }
  .modal-box{ padding:30px 24px; }
  .hero{ padding:115px 0 40px; min-height:62vh; }
  .hero h1{ font-size:32px; margin-bottom:20px; }
  .hero-ctas{ margin-bottom:32px; }
  .calc-shell{ padding:28px 22px; }
  .cta-actions{ flex-direction:column; width:100%; }
  .trust-row{ gap:16px 24px; }
  .hero-full-width-media img { height: 260px; }
}