@import url('https://fonts.googleapis.com/css2?family=Open+Sans:ital,wght@0,300..800;1,300..800&family=Instrument+Serif:ital@0;1&family=Inter:wght@300;400;500;600;700&display=swap');
@import url("contact.css");
@import url("loader.css");
/* SECTION */

/* ── tokens ──────────────────────────────────── */
:root {
  --gold: #f7c353;
  --gold-h: #ffd773;
  --gold-dk: #d4a017;
  --cream: #fdfbf7;
  --cream-dk: #f5f0e6;
  --white: #ffffff;
  --dark: #181614;
  --dark-bg: #1c1a17;
  --dark-brown: #241d15;
  --muted: #666;
  --dim: #999;
  --border: #e8e4db;
  --border-dk: #d5cfc1;
  --black: #000;
  --hdr-h: 80px;
  --r: 16px;
}

/* ═══ WAYPOINTS ═══ */


/* ── reset ────────────────────────────────────────── */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0
}

html {
  scroll-behavior: smooth
}

body {
  color: var(--dark);
  background-color: #000;
  background-image: linear-gradient(rgba(0, 0, 0, 0.8), rgba(0, 0, 0, 0.8)), url('./assets/banner-bg-custom.jpg');
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
  font-family: 'Open Sans', 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif !important;
  font-weight: 300;
  font-style: normal;
  line-height: 1.35;
  letter-spacing: -0.02em;
  font-feature-settings: 'ss01', 'cv11';
  -webkit-font-smoothing: antialiased
}

a {
  color: inherit;
  text-decoration: none
}

.font-serif {
  font-family: 'Instrument Serif', 'Times New Roman', serif !important;
  font-weight: 400;
  letter-spacing: -0.02em;
}

button,
input,
select,
textarea {
  font: inherit;
  border: 0;
  background: transparent
}

button {
  cursor: pointer
}

img {
  display: block;
  max-width: 100%
}

/* ── layout ──────────────────────────────────────── */
.container {
  width: min(1440px, 100% - 64px);
  margin: 0 auto
}

.sec,
.ftr {
  position: relative;
  z-index: 2;
  background: #050505;
  color: #a3a3a3;
  border-top: 1px solid #1a1a1a;
}

.sec {
  padding: 100px 0
}

/* Compact padding for editorial feel */

/* ── typography ──────────────────────────────────── */
.eyebrow {
  color: var(--gold-dk);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .25em;
  text-transform: uppercase;
  margin-bottom: 16px
}

.eyebrow--gold {
  color: var(--gold)
}

.sec-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 40px;
  margin-bottom: 56px
}

.sec-head>div {
  flex: 1
}

.sec h2,
.testi-h,
.cta-left h2 {
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 300;
  letter-spacing: -.04em;
  line-height: 1.15;
  color: var(--dark)
}

.sec h2 strong,
.testi-h strong,
.cta-left h2 strong {
  font-weight: 700
}

.sec-sub {
  color: var(--muted);
  font-size: 15px;
  line-height: 1.6;
  margin-top: 14px;
  max-width: 560px
}

.link-arrow {
  color: var(--gold-dk);
  font-size: 14px;
  font-weight: 700;
  white-space: nowrap;
  flex-shrink: 0;
  text-transform: uppercase;
  letter-spacing: .05em
}

.link-arrow::after {
  content: " →"
}

.link-arrow:hover {
  color: var(--gold)
}

.testi-h {
  margin-bottom: 48px
}

.sec--partners .sec-head h2,
.sec--partners .sec-head .sec-sub {
  color: #fff;
}

.sec--partners .sec-head .sec-sub {
  color: rgba(255, 255, 255, 0.7);
}

/* ── buttons ─────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  padding: 0 28px;
  min-height: 48px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: .05em;
  transition: transform 0.3s cubic-bezier(0.2, 0, 0, 1), filter 0.3s, background 0.3s, color 0.3s;
  white-space: nowrap;
  user-select: none;
  will-change: transform
}

.btn--gold {
  background: var(--gold);
  color: var(--black)
}

.btn--outline-light {
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255, 255, 255, .3)
}

@media (hover: hover) {
  .btn:hover {
    transform: translateY(-2px);
    filter: brightness(1.05)
  }

  .btn--outline-light:hover {
    background: rgba(255, 255, 255, .1);
    border-color: #fff
  }
}

.btn:active {
  transform: scale(0.97)
}

.btn--gold {
  position: relative;
  overflow: hidden;
  z-index: 1;
}

.btn--gold::before {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 50%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.6), transparent);
  transform: skewX(-20deg);
  animation: buttonShine 3s infinite;
  z-index: -1;
}

@keyframes buttonShine {
  0% {
    left: -100%;
  }

  20% {
    left: 200%;
  }

  100% {
    left: 200%;
  }
}

@keyframes floatAnim {
  0% {
    transform: translateY(0) rotate(0deg);
  }

  100% {
    transform: translateY(-15px) rotate(3deg);
  }
}

.float-text {
  position: absolute;
  font-family: 'Great Vibes', 'Brush Script MT', cursive;
  color: var(--muted);
  opacity: 0.3;
  pointer-events: none;
  white-space: nowrap;
  z-index: 0;
  rotate: var(--rot, 0deg);
  animation: floatAnim var(--dur, 6s) ease-in-out infinite alternate;
}

.btn--magenta {
  background: var(--gold);
  color: var(--black);
}

.btn--magenta:hover {
  background: var(--gold-h);
}

.btn--outline-light {
  border: 1px solid rgba(255, 255, 255, .3);
  color: #fff;
  background: transparent
}

.btn--outline-light:hover {
  border-color: var(--gold);
  color: var(--gold)
}

.btn--block {
  width: 100%;
  justify-content: center;
  margin-top: 20px;
  min-height: 54px;
  font-size: 15px
}

.btn--sm {
  min-height: 42px;
  padding: 0 22px;
  font-size: 13px
}

/* SECTION */
.hdr {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--hdr-h);
  background: transparent;
  border-bottom: 1px solid transparent;
  transition: height 0.4s cubic-bezier(0.2, 0, 0, 1), background 0.4s;
}

main {
  margin-top: calc(-1 * var(--hdr-h));
  position: relative;
  z-index: 1;
}

.hdr.scrolled {
  height: 70px;
  background: rgba(20, 18, 15, 0.8);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom-color: transparent;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.5);
}

.hdr-inner {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px
}

.hdr .container {
  width: min(1440px, 100% - 64px)
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0
}

.brand-mark {
  width: 32px;
  height: 32px;
  display: grid;
  place-items: center;
  border: 2px solid var(--gold);
  border-radius: 50%;
  color: var(--gold);
  font-size: 14px;
  font-weight: 800
}

.brand-txt {
  color: #fff;
  font-size: 18px;
  font-weight: 700;
  letter-spacing: -.03em;
  line-height: 1.1
}

.brand-txt small {
  display: block;
  color: #888;
  font-size: 11px;
  font-weight: 400;
  letter-spacing: 0
}

.nav-wrap {
  flex: 1;
  display: flex;
  justify-content: center;
}

.nav {
  position: relative;
  display: flex;
  align-items: center;
  padding: 6px 8px;
  gap: 8px;
  border-radius: 40px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.2);
  transition: padding 0.4s cubic-bezier(0.2, 0, 0, 1);
  width: max-content;
  max-width: 100%;
}

.hdr.scrolled .nav {
  padding: 4px 6px;
}

.nav-highlight {
  position: absolute;
  top: 6px;
  bottom: 6px;
  left: 0;
  width: 0;
  background: rgba(247, 195, 83, 0.1);
  border-radius: 40px;
  transition: all 0.4s cubic-bezier(0.2, 0, 0, 1);
  opacity: 0;
  pointer-events: none;
  z-index: 1;
}

.hdr.scrolled .nav-highlight {
  top: 4px;
  bottom: 4px;
}

.nav a {
  position: relative;
  z-index: 2;
  padding: 8px 24px;
  border-radius: 40px;
  color: rgba(255, 255, 255, 0.7);
  font-size: 13px;
  font-weight: 600;
  transition: color 0.3s;
}

@media (hover: hover) {
  .nav a:hover {
    color: var(--gold)
  }
}

.hdr-right {
  display: flex;
  align-items: center;
  gap: 16px
}

.hamburger {
  display: none;
  color: #fff;
  font-size: 24px
}

/* SECTION */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  overflow: hidden;
  background: transparent;
}

.hero-glow {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 3;
  background: radial-gradient(circle 600px at var(--x, 50%) var(--y, 50%), rgba(247, 195, 83, 0.06), transparent 80%);
  opacity: 0;
  transition: opacity 0.6s;
}

.hero:hover .hero-glow {
  opacity: 1;
}

.hero-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  opacity: .32
}

.hero-reveal {
  opacity: 0;
  transform: translateY(20px);
  animation: heroReveal 1s cubic-bezier(0.2, 0, 0, 1) forwards;
}

.hero-eyebrow.hero-reveal {
  animation-delay: 0.1s;
}

h1.hero-reveal {
  animation-delay: 0.2s;
}

.hero-sub.hero-reveal {
  animation-delay: 0.3s;
}

.hero-btns.hero-reveal {
  animation-delay: 0.4s;
}

@keyframes heroReveal {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.bubble-deco {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  z-index: 1;
  animation: floatDeco 6s ease-in-out infinite alternate;
}

.bd-1 {
  width: 8px;
  height: 8px;
  background: var(--gold);
  top: 30%;
  left: 10%;
  box-shadow: 0 0 12px var(--gold);
  opacity: 0.6;
  animation-duration: 5s;
}

.bd-2 {
  width: 16px;
  height: 16px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  top: 60%;
  right: 8%;
  opacity: 0.4;
  animation-duration: 7s;
}

.bd-3 {
  width: 12px;
  height: 12px;
  background: radial-gradient(circle, rgba(247, 195, 83, 0.4), transparent);
  top: 80%;
  left: 20%;
  animation-duration: 6s;
}

@keyframes floatDeco {
  0% {
    transform: translateY(0);
  }

  100% {
    transform: translateY(-12px);
  }
}

.hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(90deg, rgba(0, 0, 0, .95) 0%, rgba(0, 0, 0, .7) 40%, rgba(0, 0, 0, .2) 60%, rgba(0, 0, 0, 0) 100%), linear-gradient(180deg, rgba(0, 0, 0, .1), rgba(0, 0, 0, .95))
}

.hero-body {
  position: relative;
  z-index: 5;
  width: 100%;
  display: flex;
  align-items: center;
  pointer-events: none
}

.hero-content {
  max-width: 680px;
  padding: 80px 0;
  margin-left: 40px;
  pointer-events: auto
}

.hero-eyebrow {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .3em;
  text-transform: uppercase
}

.hero h1 {
  margin: 28px 0 0;
  color: #fff;
  font-size: clamp(48px, 6vw, 72px);
  font-weight: 300;
  letter-spacing: -.04em;
  line-height: 1.1
}

.hero h1 strong {
  font-weight: 700;
  display: block
}

.hero-sub {
  margin-top: 24px;
  color: rgba(255, 255, 255, 0.8);
  font-size: 18px;
  line-height: 1.8;
  max-width: 560px
}

.hero-btns {
  display: flex;
  gap: 16px;
  margin-top: 40px;
  flex-wrap: wrap
}

.hero-float-text {
  position: absolute;
  top: 20%;
  right: 5%;
  display: flex;
  flex-direction: column;
  gap: 12px;
  z-index: 2;
  align-items: flex-end;
  text-align: right
}

.hero-float-text span {
  color: rgba(255, 255, 255, 0.3);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.4em;
  text-transform: uppercase;
}

.hero-strip {
  position: relative;
  z-index: 5;
  padding-bottom: 24px;
}

.hero-strip-inner {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 64px;
  padding: 24px 0;
  border-top: 1px solid rgba(255, 255, 255, .1);
}

.hstrip-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: #fff;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: .05em;
  line-height: 1.4
}

.hstrip-ico {
  font-size: 20px;
  color: var(--gold)
}

/* SECTION */
#services {
  border-top-left-radius: 48px;
  border-top-right-radius: 48px;
  box-shadow: 0 -30px 80px rgba(0, 0, 0, 0.6);
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  position: relative;
  z-index: 2;
}

.sec--cream {
  background: var(--cream);
  position: relative;
  z-index: 2;
}

.sec--white {
  background: var(--white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  position: relative;
  z-index: 2;
}

.svc-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px
}

.svc-card {
  display: flex;
  flex-direction: column;
  padding: 24px 20px;
  border: 1px solid rgba(0, 0, 0, 0.06);
  border-radius: 12px;
  background: var(--white);
  transition: border-color .4s cubic-bezier(0.2, 0, 0, 1), transform .4s cubic-bezier(0.2, 0, 0, 1), box-shadow .4s cubic-bezier(0.2, 0, 0, 1)
}

.svc-ico {
  display: block;
  margin-bottom: 16px;
  color: var(--gold);
  font-size: 28px;
  transition: transform 0.4s cubic-bezier(0.2, 0, 0, 1)
}

.svc-card>div:last-child {
  transition: transform 0.4s cubic-bezier(0.2, 0, 0, 1)
}

@media (hover: hover) {
  .svc-card:hover {
    border-color: var(--gold);
    transform: translateY(-4px);
    box-shadow: 0 12px 30px rgba(0, 0, 0, .06)
  }

  .svc-card:hover .svc-ico {
    transform: translateY(-2px)
  }

  .svc-card:hover>div:last-child {
    transform: translateX(4px)
  }

  .svc-card--cta:hover {
    border-color: var(--gold)
  }
}

.svc-card h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 8px;
  line-height: 1.3
}

.svc-card>p {
  color: var(--muted);
  font-size: 13px;
  line-height: 1.5
}

.svc-card--cta {
  background: var(--dark-bg);
  border-color: transparent;
  color: #fff;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 12px;
  padding: 32px 24px;
}

.svc-card--cta>p {
  color: rgba(255, 255, 255, .6);
  font-size: 14px;
  line-height: 1.4
}

.svc-card--cta>strong {
  color: #fff;
  font-size: 16px;
  font-weight: 700;
  line-height: 1.3;
  margin-bottom: 8px
}

/* SECTION */
.sec--partners,
.sec--cta {
  position: relative;
  border: none
}

.sec--partners {
  background: #111 url('./assets/partners-bg.png') center/cover no-repeat;
}

.sec--cta {
  background: #111 url('./assets/lakeside-bg.png') center/cover no-repeat;
}

.sec--cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(20, 18, 15, 0.95) 0%, rgba(20, 18, 15, 0.3) 100%)
}

.sec--partners::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(20, 18, 15, 0.8) 0%, rgba(20, 18, 15, 0.2) 100%)
}

.sec--partners>.container,
.sec--cta>.container {
  position: relative;
  z-index: 2
}

.partners-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center
}

.partner-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 140px;
  height: 72px;
  border: 1px solid rgba(255, 255, 255, .05);
  border-radius: 6px;
  background: rgba(255, 255, 255, 0.02);
  color: rgba(255, 255, 255, 0.8);
  font-size: 20px;
  font-weight: 800;
  letter-spacing: -.03em;
  transition: border-color .2s, background .2s, transform .2s;
  backdrop-filter: blur(4px)
}

.partner-logo span {
  color: var(--pc)
}

.partner-logo:hover {
  border-color: rgba(255, 255, 255, .15);
  background: rgba(255, 255, 255, 0.05);
  transform: translateY(-2px)
}

/* SECTION */
.calc-layout {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 40px;
  align-items: center
}

.calc-center {
  display: flex;
  flex-direction: column;
  align-items: center;
  width: 100%;
  max-width: 440px;
  margin: 0 auto
}

.calc-intro h2 {
  margin-top: 8px
}

.calc-deco {
  position: absolute;
  left: -80px;
  top: 200px;
  font-family: 'Great Vibes', 'Brush Script MT', cursive;
  font-size: 40px;
  color: var(--muted);
  transform: rotate(-8deg);
  opacity: 0.6;
  line-height: 1
}

.calc-panel {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 16px;
  background: var(--white);
  box-shadow: 0 8px 32px rgba(0, 0, 0, .03);
  overflow: hidden
}

.calc-tabs {
  display: flex;
  padding: 6px;
  background: #f3f4f6;
  margin: 24px 32px 0;
  border-radius: 999px
}

.calc-tab {
  flex: 1;
  padding: 12px;
  font-size: 13px;
  font-weight: 700;
  color: var(--muted);
  background: transparent;
  border: none;
  border-radius: 999px;
  transition: color 0.4s ease-out, background 0.4s ease-out, box-shadow 0.4s ease-out
}

.calc-tab.active {
  color: var(--dark);
  background: var(--white);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05)
}

.calc-form {
  padding: 28px 32px
}

.calc-field {
  display: block;
  margin-bottom: 24px
}

.calc-field>span {
  display: block;
  margin-bottom: 10px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase
}

.calc-input {
  display: flex;
  align-items: center;
  border: 1px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  background: var(--white);
  transition: border-color .2s
}

.calc-input:focus-within {
  border-color: var(--gold)
}

.calc-input .pre,
.calc-input .suf {
  padding: 0 16px;
  color: var(--muted);
  font-size: 16px;
  font-weight: 600;
  background: var(--cream-dk);
  line-height: 56px;
  flex-shrink: 0;
  border-right: 1px solid var(--border)
}

.calc-input .suf {
  border-right: 0;
  border-left: 1px solid var(--border)
}

.calc-input input {
  flex: 1;
  padding: 0 16px;
  height: 56px;
  outline: 0;
  font-size: 18px;
  font-weight: 700;
  color: var(--dark);
  -moz-appearance: textfield
}

.calc-input input::-webkit-outer-spin-button,
.calc-input input::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0
}

.calc-results-row {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  width: 100%;
  margin-top: 40px;
  padding: 0 10px;
}

.calc-res-item {
  text-align: center;
  position: relative;
}

.calc-res-item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 0;
  top: 10%;
  bottom: 10%;
  width: 1px;
  background: var(--border);
}

.calc-res-item strong {
  display: block;
  font-size: 18px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 6px;
  white-space: nowrap;
}

.calc-res-item span {
  font-size: 11px;
  font-weight: 700;
  color: var(--muted);
  letter-spacing: 0;
  white-space: nowrap;
}

.highlight-flash {
  animation: highlightFlash 0.5s ease-out;
}

@keyframes highlightFlash {
  0% {
    text-shadow: 0 0 12px rgba(247, 195, 83, 0.8);
    color: var(--gold);
  }

  100% {
    text-shadow: 0 0 0 transparent;
    color: var(--dark);
  }
}

/* SECTION */
.sec--dark-brown {
  background: var(--dark-brown);
  color: #fff;
  border-top: 1px solid #362c21;
  border-bottom: 1px solid #362c21
}

.sec--dark-brown h2 {
  color: #fff
}

.why-layout {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 64px;
  align-items: center
}

.why-sub {
  color: rgba(255, 255, 255, .6);
  font-size: 17px;
  line-height: 1.8;
  margin-top: 20px;
  max-width: 480px
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  margin-top: 20px
}

.why-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.why-item-ico,
.why-ico {
  display: block;
  font-size: 32px;
  color: var(--gold);
  flex-shrink: 0
}

.why-item h3 {
  font-size: 16px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 6px;
  line-height: 1.2
}

.why-item p {
  color: rgba(255, 255, 255, .6);
  font-size: 13px;
  line-height: 1.5;
  margin: 0
}

/* SECTION */
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px
}

.testi-card {
  padding: 28px 24px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--white);
  box-shadow: 0 4px 16px rgba(0, 0, 0, .02);
  display: flex;
  flex-direction: column;
  transition: border-color .25s, transform .25s, box-shadow .25s
}

.testi-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(0, 0, 0, .06)
}

.testi-q {
  color: var(--gold);
  font-size: 64px;
  line-height: 0.8;
  margin-bottom: 8px;
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  opacity: 0.8
}

.testi-card>p {
  color: #555;
  font-size: 14px;
  line-height: 1.6;
  flex: 1;
  margin-bottom: 24px
}

.testi-author {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 20px;
  border-top: 1px solid var(--border)
}

.testi-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--cream-dk);
  color: var(--dark);
  font-size: 15px;
  font-weight: 800;
  flex-shrink: 0
}

.testi-author strong {
  display: block;
  font-size: 14px;
  font-weight: 700;
  color: var(--dark)
}

.testi-author span {
  color: var(--muted);
  font-size: 12px;
  margin-top: 2px;
  display: block;
}

/* SECTION */
.ins-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px
}

.ins-card {
  display: block;
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  background: var(--white);
  box-shadow: 0 4px 16px rgba(0, 0, 0, .02);
  transform-style: preserve-3d;
  will-change: transform;
}

.ins-img {
  height: 160px;
  background-size: cover;
  background-position: center;
  position: relative;
  transform: translateZ(10px);
  transition: transform 0.6s cubic-bezier(0.2, 0, 0, 1)
}

@media (hover: hover) {
  .ins-card:hover {
    border-color: var(--gold);
    box-shadow: 0 12px 28px rgba(0, 0, 0, .06)
  }

  .ins-card:hover .ins-img {
    transform: translateZ(20px) scale(1.05)
  }
}

.ins-tag {
  position: absolute;
  bottom: 16px;
  left: 16px;
  padding: 6px 16px;
  border-radius: 20px;
  background: rgba(20, 18, 15, 0.85);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(247, 195, 83, 0.4);
  color: var(--gold);
  font-size: 10px;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  transition: transform 0.3s;
}

@media (hover: hover) {
  .ins-card:hover .ins-tag {
    transform: translateY(-2px)
  }
}

.ins-body {
  padding: 28px 24px 24px
}

.ins-body h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--dark);
  line-height: 1.4;
  margin-bottom: 12px
}

.ins-date {
  color: var(--dim);
  font-size: 13px
}

/* SECTION */
.cta-sec {
  padding: 140px 0
}

.cta-layout {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 64px
}

.cta-left {
  max-width: 600px
}

.cta-left h2 {
  color: #fff
}

.cta-left p {
  color: rgba(255, 255, 255, .7);
  font-size: 16px;
  margin-top: 16px;
  line-height: 1.7
}

.cta-left .btn {
  margin-top: 32px
}

.cta-right {
  display: flex;
  flex-direction: column;
  gap: 16px;
  align-items: flex-end;
  flex-shrink: 0
}

.cta-pill {
  padding: 14px 36px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 40px;
  font-size: clamp(18px, 2vw, 24px);
  font-weight: 800;
  color: rgba(255, 255, 255, 0.9);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  background: rgba(255, 255, 255, 0.03);
  backdrop-filter: blur(10px);
  transition: border-color 0.3s, color 0.3s, background 0.3s, transform 0.3s;
  cursor: default;
}

.cta-pill:hover {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(247, 195, 83, 0.08);
  transform: translateX(-10px)
}

/* SECTION */
.ftr {
  position: relative;
  z-index: 2;
  background: #050505;
  color: #a3a3a3;
  border-top: 1px solid #1a1a1a;
}

.ftr-top {
  display: flex;
  justify-content: space-between;
  gap: 40px;
  padding: 64px 0
}

.ftr-brand .brand {
  margin-bottom: 16px
}

.ftr-brand>p {
  color: #777;
  font-size: 14px;
  margin-bottom: 24px;
  line-height: 1.6;
  max-width: 260px
}

.ftr-socials {
  display: flex;
  gap: 12px
}

.ftr-socials a {
  display: flex;
  align-items: center;
  justify-content: center;
  color: #999;
  transition: color .2s;
  padding: 4px;
}

.ftr-socials a:hover {
  color: #fff;
}

.ftr-cols {
  display: flex;
  gap: 48px
}

.ftr-col {
  display: flex;
  flex-direction: column;
  gap: 12px
}

.ftr-col>span {
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: 8px
}

.ftr-col a {
  color: #999;
  font-size: 13px;
  transition: color .2s
}

.ftr-col a:hover {
  color: var(--gold)
}

.ftr-nl {
  min-width: 280px
}

.ftr-nl p {
  color: #888;
  font-size: 14px;
  line-height: 1.6
}

.nl-form {
  display: flex;
  margin-top: 16px;
  border: 1px solid #333;
  border-radius: 6px;
  overflow: hidden;
  background: #111
}

.nl-form input {
  flex: 1;
  padding: 14px 16px;
  color: #fff;
  font-size: 14px;
  outline: 0
}

.nl-form input::placeholder {
  color: #666
}

.nl-form button {
  width: 50px;
  display: grid;
  place-items: center;
  background: var(--gold);
  color: var(--black);
  font-size: 20px;
  flex-shrink: 0;
  transition: background .2s
}

.nl-form button:hover {
  background: var(--gold-h)
}

.ftr-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 0;
  border-top: 1px solid #2a2825;
  color: #777;
  font-size: 13px
}

.ftr-legal {
  display: flex;
  gap: 32px
}

.ftr-legal a {
  color: #777;
  transition: color .2s
}

.ftr-legal a:hover {
  color: var(--gold)
}

/* SECTION */
.fab {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 90;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 24px;
  border-radius: 999px;
  background: rgba(20, 18, 15, 0.95);
  color: #fff;
  font-size: 14px;
  font-weight: 700;
  box-shadow: 0 12px 30px rgba(0, 0, 0, .15);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, .1);
  transition: transform 0.4s cubic-bezier(0.2, 0, 0, 1), box-shadow 0.4s, border-color 0.4s;
  user-select: none
}

.fab b {
  color: var(--gold);
  font-weight: 800;
  transition: transform 0.4s cubic-bezier(0.2, 0, 0, 1)
}

@media (hover: hover) {
  .fab:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 40px rgba(247, 195, 83, .2);
    border-color: rgba(247, 195, 83, .4)
  }

  .fab:hover b {
    transform: translate(2px, -2px)
  }
}

.fab:active {
  transform: scale(0.97)
}

/* SECTION */
.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.8s cubic-bezier(0.2, 0, 0, 1), transform 0.8s cubic-bezier(0.2, 0, 0, 1);
  will-change: opacity, transform;
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-delay-1 {
  transition-delay: 0.1s;
}

.reveal-delay-2 {
  transition-delay: 0.2s;
}

.reveal-delay-3 {
  transition-delay: 0.3s;
}

.reveal-delay-4 {
  transition-delay: 0.4s;
}

.reveal-delay-5 {
  transition-delay: 0.5s;
}

@media (prefers-reduced-motion: reduce) {
  .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }

  .btn,
  .nav a,
  .svc-card,
  .ins-card,
  .fab {
    transition: none !important;
  }

  .btn:hover,
  .svc-card:hover,
  .ins-card:hover,
  .fab:hover {
    transform: none !important;
  }
}

#scroll-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  background: var(--gold);
  z-index: 1000;
  width: 0%;
  transition: width 0.1s linear;
}

.toast {
  position: fixed;
  right: 32px;
  bottom: 32px;
  z-index: 200;
  max-width: 320px;
  padding: 16px 20px;
  border: 1px solid rgba(247, 195, 83, .4);
  border-radius: 8px;
  background: #1a1815;
  color: #fdfbf7;
  font-size: 14px;
  box-shadow: 0 12px 36px rgba(0, 0, 0, .4);
  transform: translateY(120px);
  opacity: 0;
  transition: transform .3s, opacity .3s
}

.toast.show {
  transform: translateY(0);
  opacity: 1
}

/* SECTION */
.nav.open {
  display: flex !important;
  position: absolute;
  top: var(--hdr-h);
  left: 0;
  right: 0;
  flex-direction: column;
  gap: 0;
  padding: 16px 24px;
  background: rgba(0, 0, 0, .98);
  border-bottom: 1px solid rgba(255, 255, 255, .1);
  backdrop-filter: blur(20px)
}

.nav.open a {
  padding: 16px 0;
  border-bottom: 1px solid rgba(255, 255, 255, .1);
  width: 100%;
  font-size: 16px
}

/* SECTION */
@media(max-width:1200px) {
  .svc-grid {
    grid-template-columns: repeat(3, 1fr)
  }
}

@media(max-width:992px) {
  :root {
    --hdr-h: 72px
  }

  .container {
    width: min(100% - 48px, 760px)
  }

  .nav {
    display: none
  }

  .hamburger {
    display: block
  }

  .hero {
    height: calc(100vh - var(--hdr-h))
  }

  .hero-bg {
    filter: saturate(.7) brightness(.5)
  }

  #globe-scene {
    width: min(75vw, 600px);
    right: -5%;
    opacity: .7
  }

  .hero-float {
    display: none
  }

  .hero-strip-inner {
    flex-wrap: wrap
  }

  .hstrip-item {
    padding: 20px 24px
  }

  .hstrip-cta {
    margin: 16px 0;
    width: 100%;
    text-align: center;
    justify-content: center
  }

  .svc-grid {
    grid-template-columns: repeat(2, 1fr)
  }

  .calc-layout {
    grid-template-columns: 1fr;
    gap: 40px
  }

  .calc-deco {
    display: none
  }

  .why-layout {
    grid-template-columns: 1fr;
    gap: 48px
  }

  .testi-grid {
    grid-template-columns: 1fr 1fr
  }

  .ins-grid {
    grid-template-columns: 1fr 1fr
  }

  .cta-layout {
    flex-direction: column;
    gap: 48px;
    text-align: left
  }

  .cta-right {
    flex-direction: row;
    flex-wrap: wrap;
    align-items: center
  }

  .ftr-top {
    flex-direction: column;
    gap: 40px
  }

  .ftr-cols {
    flex-wrap: wrap;
    gap: 40px
  }

  .sec-head {
    flex-direction: column;
    align-items: flex-start;
    gap: 24px
  }

  .partners-row {
    justify-content: flex-start
  }

  .journey-sticky {
    grid-template-columns: 35% 65%;
  }
}

@media(max-width:768px) {
  .journey-sticky {
    grid-template-columns: 100%;
  }

  .journey-nav {
    display: none;
  }

  .journey-card {
    max-width: 480px;
    margin: 0 auto;
    left: 0;
    right: 0;
    position: absolute;
  }

  .journey-content {
    padding: 120px 24px;
  }
}

@media(max-width:600px) {
  .container {
    width: min(100% - 32px, 480px)
  }

  .sec {
    padding: 80px 0
  }

  .hero h1 {
    font-size: clamp(38px, 12vw, 60px)
  }

  .hero-bg {
    opacity: .32
  }

  #globe-scene {
    width: 120vw;
    right: -20%;
    opacity: .5
  }

  .hero-btns {
    flex-direction: column;
    align-items: flex-start;
    width: 100%
  }

  .hero-btns .btn {
    width: 100%
  }

  .hero-strip-inner {
    flex-direction: column;
    align-items: stretch
  }

  .hstrip-item {
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, .1);
    width: 100%
  }

  .svc-grid,
  .why-grid,
  .testi-grid,
  .ins-grid,
  .calc-results {
    grid-template-columns: 1fr
  }

  .why-layout {
    grid-template-columns: 1fr
  }

  .cta-right h3 {
    font-size: 32px;
    text-align: left
  }

  .fab {
    right: 16px;
    bottom: 16px;
    width: calc(100% - 32px);
    text-align: center;
    justify-content: center
  }

  .ftr-bottom {
    flex-direction: column;
    gap: 16px;
    text-align: center
  }

  .ftr-legal {
    flex-wrap: wrap;
    justify-content: center
  }
}

/* ── reduced motion ──────────────────────────── */
@media(prefers-reduced-motion:reduce) {

  *,
  *::before,
  *::after {
    animation-duration: .01ms !important;
    transition-duration: .01ms !important;
    scroll-behavior: auto !important
  }
}

/* ----------------------------------------------
   ANIMATIONS
   ---------------------------------------------- */
.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.85s cubic-bezier(0.25, 1, 0.5, 1), transform 0.85s cubic-bezier(0.25, 1, 0.5, 1);
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-delay-1 {
  transition-delay: 0.1s;
}

.reveal-delay-2 {
  transition-delay: 0.2s;
}

.reveal-delay-3 {
  transition-delay: 0.3s;
}

.reveal-delay-4 {
  transition-delay: 0.4s;
}



/* SECTION */
.ticker-wrap {
  width: 100%;
  overflow: hidden;
  background: #111;
  color: #fff;
  padding: 10px 0;
  border-bottom: 1px solid #333;
  display: flex;
  align-items: center;
}

.ticker {
  display: flex;
  white-space: nowrap;
  animation: ticker 25s linear infinite;
}

.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-right: 40px;
  font-size: 13px;
  font-family: monospace;
}

.ticker-item span {
  color: #888;
}

.ticker-item strong {
  color: #fff;
  font-weight: 700;
}

.ticker-item em {
  font-style: normal;
  font-weight: 700;
}

.ticker-item .up {
  color: #4ade80;
}

.ticker-item .down {
  color: #f87171;
}

@keyframes ticker {
  0% {
    transform: translateX(0);
  }

  100% {
    transform: translateX(-50%);
  }
}

/* SECTION */
.funds-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.fund-card {
  padding: 32px;
  border-radius: var(--r);
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  color: #fff;
  transition: transform 0.3s, border-color 0.3s, box-shadow 0.3s;
}

.fund-card:hover {
  transform: translateY(-5px);
  border-color: var(--gold);
  box-shadow: 0 10px 30px rgba(247, 195, 83, 0.15);
}

.fund-tag {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 20px;
  background: rgba(247, 195, 83, 0.2);
  color: var(--gold);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  margin-bottom: 20px;
  letter-spacing: 0.1em;
}

.fund-card h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 6px;
}

.fund-cat {
  color: #999;
  font-size: 14px;
  margin-bottom: 24px;
}

.fund-stats {
  display: flex;
  justify-content: space-between;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  margin-bottom: 24px;
}

.f-stat {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.f-stat span {
  font-size: 12px;
  color: #777;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.f-stat strong {
  font-size: 16px;
  font-weight: 700;
}

.text-green {
  color: #4ade80 !important;
}

.fund-chart {
  height: 40px;
  width: 100%;
  background: linear-gradient(90deg, rgba(74, 222, 128, 0.2) 0%, rgba(74, 222, 128, 0.8) 100%);
  clip-path: polygon(0 100%, 0 60%, 20% 40%, 40% 60%, 60% 20%, 80% 50%, 100% 0, 100% 100%);
  margin-bottom: 24px;
  opacity: 0.5;
  transition: opacity 0.3s;
}

.fund-card:hover .fund-chart {
  opacity: 1;
}

.fund-bot {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.fund-bot span {
  font-family: monospace;
  color: #bbb;
}

/* SECTION */
.platform-sec {
  overflow: hidden;
}

.platform-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.plat-left {
  max-width: 500px;
  color: #fff;
}

.plat-left h2 {
  color: #fff;
}

.plat-left p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 16px;
  line-height: 1.8;
  margin-top: 16px;
}

.plat-features {
  margin-top: 32px;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.plat-features li {
  padding-left: 32px;
  position: relative;
  color: #ccc;
  line-height: 1.6;
}

.plat-features li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  top: 0;
  color: var(--gold);
  font-weight: 900;
  font-size: 18px;
}

.plat-features strong {
  color: #fff;
}

.plat-right {
  position: relative;
  perspective: 1000px;
}

.mockup-frame {
  background: #000;
  border-radius: 24px;
  padding: 12px;
  border: 1px solid #333;
  box-shadow: -20px 20px 60px rgba(0, 0, 0, 0.8);
  transform: rotateY(-15deg) rotateX(5deg);
  transition: transform 0.5s;
}

.mockup-frame:hover {
  transform: rotateY(-5deg) rotateX(2deg);
}

.mockup-inner {
  background: #111;
  border-radius: 16px;
  padding: 24px;
  height: 400px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  border: 1px solid rgba(255, 255, 255, 0.14);
}

.mk-top {
  display: flex;
  flex-direction: column;
  gap: 4px;
  color: #fff;
  margin-bottom: 24px;
}

.mk-top span {
  color: #888;
  font-size: 14px;
}

.mk-top strong {
  font-size: 32px;
  font-weight: 700;
}

.mk-top small {
  color: #4ade80;
  font-size: 13px;
  font-weight: 700;
}

.mk-chart {
  flex: 1;
  min-height: 120px;
  background: linear-gradient(180deg, rgba(247, 195, 83, 0.1) 0%, rgba(247, 195, 83, 0) 100%);
  position: relative;
  margin-bottom: 24px;
  border-bottom: 1px dashed #333;
}

.mk-chart::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  top: 20%;
  height: 2px;
  background: var(--gold);
  box-shadow: 0 0 10px var(--gold);
  filter: drop-shadow(0 4px 6px rgba(247, 195, 83, 0.5));
  clip-path: polygon(0 50%, 20% 80%, 40% 20%, 60% 60%, 80% 0, 100% 40%, 100% 100%, 0 100%);
}

.mk-assets {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.mk-asset {
  background: #1a1a1a;
  padding: 12px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  gap: 12px;
  color: #fff;
  font-size: 13px;
  border: 1px solid #222;
}

.mk-ic {
  width: 36px;
  height: 36px;
  background: #222;
  border-radius: 8px;
  display: grid;
  place-items: center;
  font-size: 18px;
}

.mk-asset small {
  color: #888;
  display: block;
  margin-top: 4px;
}

/* ==========================================================================
   PROCESS TIMELINE
   ══════════════════════════════════════════════ */
.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  position: relative;
}

.process-grid::before {
  content: '';
  position: absolute;
  top: 40px;
  left: 40px;
  right: 40px;
  height: 2px;
  background: var(--border-dk);
  z-index: 0;
}

.process-step {
  position: relative;
  z-index: 1;
}

.step-num {
  width: 80px;
  height: 80px;
  background: var(--white);
  border: 2px solid var(--border-dk);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 24px;
  font-weight: 800;
  color: var(--gold-dk);
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  margin-bottom: 24px;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.05);
  transition: transform 0.3s, border-color 0.3s, background 0.3s;
}

.process-step:hover .step-num {
  transform: scale(1.1);
  border-color: var(--gold);
  background: var(--gold);
  color: var(--black);
}

.process-step h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 12px;
}

.process-step p {
  color: var(--muted);
  line-height: 1.6;
}

/* SECTION */
.testi-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 60px;
}

.trust-badge {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  text-align: right;
}

.trust-badge strong {
  font-size: 48px;
  font-weight: 800;
  line-height: 1;
  color: var(--dark);
}

.trust-badge span {
  color: var(--muted);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-top: 8px;
  font-weight: 700;
}

.testi-masonry {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
}

.testi-masonry .testi-card {
  break-inside: avoid;
  margin-bottom: 24px;
}

/* SECTION */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  transition: box-shadow 0.3s, border-color 0.3s;
}

.faq-item:hover {
  border-color: var(--border-dk);
}

.faq-item.active {
  border-color: var(--gold);
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.05);
}

.faq-btn {
  width: 100%;
  text-align: left;
  padding: 24px 32px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: transparent;
  font-weight: 700;
  font-size: 17px;
  color: var(--dark);
}

.faq-icon {
  font-style: normal;
  font-size: 24px;
  color: var(--gold-dk);
  transition: transform 0.3s;
  font-weight: 300;
}

.faq-item.active .faq-icon {
  transform: rotate(45deg);
  color: var(--gold);
}

.faq-content {
  max-height: 0;
  padding: 0 32px;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0, 1, 0, 1), padding 0.4s;
}

.faq-item.active .faq-content {
  max-height: 500px;
  padding: 0 32px 32px;
  transition: max-height 0.6s ease-in-out, padding 0.6s ease-in-out;
}

/* SECTION */
.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--gold-dk);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  transition: color 0.3s;
}

.link-arrow::after {
  content: "→";
  transition: transform 0.3s;
}

@media (hover: hover) {
  .link-arrow:hover {
    color: var(--gold);
  }

  .link-arrow:hover::after {
    transform: translateX(4px);
  }

  .author img {
    border: 2px solid transparent;
    transition: border-color 0.3s;
  }

  .testi-card:hover .author img {
    border-color: var(--gold);
  }
}

.faq-content p {
  color: var(--muted);
  line-height: 1.7;
  font-size: 15px;
}


@media(max-width:992px) {
  .funds-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 40px;
  }

  .process-grid::before {
    display: none;
  }

  .platform-layout {
    grid-template-columns: 1fr;
  }

  .plat-right {
    margin-top: 40px;
  }

  .mockup-frame {
    transform: none;
  }

  .mockup-frame:hover {
    transform: none;
  }
}

@media(max-width:600px) {
  .funds-grid {
    grid-template-columns: 1fr;
  }

  .process-grid {
    grid-template-columns: 1fr;
  }

  .testi-header {
    flex-direction: column;
    align-items: flex-start;
    gap: 24px;
  }

  .trust-badge {
    align-items: flex-start;
    text-align: left;
  }

  .mk-assets {
    grid-template-columns: 1fr;
  }
}

/* SECTION */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.8);
  backdrop-filter: blur(4px);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease;
}

.modal-overlay.active {
  opacity: 1;
  pointer-events: auto;
}

.modal-content {
  background: var(--dark-bg);
  width: 90%;
  max-width: 400px;
  padding: 40px;
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  position: relative;
  transform: scale(0.95) translateY(20px);
  opacity: 0;
  transition: transform 0.4s cubic-bezier(0.2, 0, 0, 1), opacity 0.4s ease;
}

.modal-overlay.active .modal-content {
  transform: scale(1) translateY(0);
  opacity: 1;
}

.modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  background: transparent;
  border: none;
  color: var(--muted);
  font-size: 20px;
  cursor: pointer;
  transition: color 0.2s;
}

.modal-close:hover {
  color: #fff;
}

.modal-content h3 {
  font-size: 24px;
  margin-bottom: 8px;
  color: #fff;
}

.modal-content p {
  color: var(--muted);
  font-size: 14px;
  margin-bottom: 24px;
  line-height: 1.5;
}

.contact-form label {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 16px;
}

.contact-form label span {
  font-size: 13px;
  color: var(--muted);
}

.contact-form input {
  background: rgba(0, 0, 0, 0.2);
  border: 1px solid rgba(255, 255, 255, 0.1);
  color: #fff;
  padding: 0 16px;
  height: 48px;
  border-radius: 6px;
  font-family: inherit;
  font-size: 15px;
}

/* SECTION */
.lifestage-section {
  background: var(--cream);
  padding: 55px 0 30px 0;
  overflow: hidden;
  position: relative;
  z-index: 2;
  border-radius: 40px 40px 0 0;
  margin-top: -40px;
}

.lifestage-container {
  display: flex;
  gap: 60px;
  align-items: center;
  position: relative;
  /* Allow right side to bleed off edge */
  max-width: 100%;
  padding-left: max(5%, calc((100vw - 1200px) / 2));
  transform: translateX(-4.5rem);
}

.lifestage-left {
  flex: 0 0 350px;
  padding-right: 20px;
}

.lifestage-left .eyebrow {
  margin-bottom: 12px;
  letter-spacing: 0.15em;
  font-size: 13px;
}

.lifestage-left h2 {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 42px;
  font-weight: 400;
  line-height: 1.1;
  color: #1a1a1a;
  margin-bottom: 20px;
}

.lifestage-left p {
  color: #555;
  font-size: 16px;
  line-height: 1.6;
  margin-bottom: 40px;
}

.lifestage-controls {
  display: flex;
  gap: 12px;
}

.ls-btn {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  border: none;
  background: #fff;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
  display: grid;
  place-items: center;
  cursor: pointer;
  transition: all 0.3s ease;
  color: #1a1a1a;
}

.ls-btn:hover {
  background: var(--gold);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(0, 0, 0, 0.1);
}

.lifestage-carousel {
  flex: 1;
  display: flex;
  gap: 24px;
  overflow-x: auto;
  padding: 20px 20px 40px 0;
  scroll-behavior: smooth;
  scroll-snap-type: x mandatory;
  /* Hide scrollbar */
  scrollbar-width: none;
  -ms-overflow-style: none;
}

.lifestage-carousel::-webkit-scrollbar {
  display: none;
}

.ls-card {
  flex: 0 0 calc((100% - 48px) / 3);
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.04);
  scroll-snap-align: start;
  transition: transform 0.3s ease;
  border: 1px solid rgba(0, 0, 0, 0.04);
}

.ls-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.08);
}

.ls-img-wrap {
  width: 100%;
  height: 200px;
  overflow: hidden;
}

.ls-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.ls-card:hover .ls-img-wrap img {
  transform: scale(1.05);
}

.ls-content {
  padding: 24px;
}

.ls-content h3 {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 18px;
  font-weight: 600;
  color: #1a1a1a;
  margin-bottom: 12px;
}

.ls-content p {
  color: #666;
  font-size: 14px;
  line-height: 1.5;
  margin: 0;
}

/* Responsive */
@media (max-width: 992px) {
  .lifestage-container {
    flex-direction: column;
    padding-left: 5%;
    padding-right: 5%;
    align-items: flex-start;
  }

  .lifestage-left {
    flex: 0 0 auto;
    width: 100%;
    padding-right: 0;
  }

  .lifestage-carousel {
    width: 100%;
    padding: 10px 0 30px 0;
  }

  .ls-card {
    flex: 0 0 280px;
  }
}

/* ═══ WAYPOINTS ═══ */
.waypoint-sec {
  background: transparent;
  padding: 100px 0;
  position: relative;
  z-index: 2;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.wp-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 48px;
}

.wp-eyebrow {
  color: var(--gold);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.sec .wp-title {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 64px;
  color: #fff;
  font-weight: 400;
  line-height: 1.2;
  margin-bottom: 8px;
}

.wp-subtitle {
  color: rgba(255, 255, 255, 0.5);
  font-size: 22px;
}

.wp-link {
  color: var(--gold);
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  border-bottom: 1px solid rgba(247, 195, 83, 0.3);
  padding-bottom: 4px;
  transition: border-color 0.3s;
}

.wp-link:hover {
  border-bottom-color: var(--gold);
}

.wp-layout {
  display: grid;
  grid-template-columns: 1.2fr 2.4fr;
  gap: 24px;
}

.wp-featured {
  position: relative;
  border-radius: 12px;
  overflow: hidden;
  min-height: 400px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  border: 1px solid rgba(255, 255, 255, 0.05);
}

.wp-feat-bg {
  position: absolute;
  inset: 0;
  background-image: url('./assets/waypoints_bg.png');
  background-size: cover;
  background-position: center;
  z-index: 0;
}

.wp-feat-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(20, 18, 15, 0.1) 0%, rgba(20, 18, 15, 0.95) 100%), linear-gradient(90deg, rgba(20, 18, 15, 0.6) 0%, transparent 100%);
}

.wp-feat-content {
  position: relative;
  z-index: 2;
  padding: 32px;
}

.wp-feat-content h3 {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 28px;
  color: #fff;
  font-weight: 400;
  margin-bottom: 12px;
}

.wp-feat-content p {
  color: rgba(255, 255, 255, 0.7);
  font-size: 14px;
  line-height: 1.6;
  margin-bottom: 24px;
  max-width: 260px;
}

.wp-feat-btn {
  display: inline-flex;
  align-items: center;
  background: var(--gold);
  color: var(--dark-bg);
  padding: 10px 20px;
  border-radius: 6px;
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  transition: background 0.3s, transform 0.3s;
}

.wp-feat-btn:hover {
  background: var(--gold-h);
  transform: translateY(-2px);
}

.wp-feat-watermark {
  position: absolute;
  bottom: 32px;
  right: 32px;
  z-index: 2;
  color: rgba(255, 255, 255, 0.2);
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.2em;
  line-height: 1.4;
  text-align: right;
}

.wp-feat-badge {
  display: none;
}

.wp-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.wp-card {
  background: linear-gradient(145deg, rgba(255, 255, 255, 0.08) 0%, rgba(255, 255, 255, 0.03) 100%);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 16px;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}

.wp-card:hover {
  background: linear-gradient(145deg, rgba(255, 255, 255, 0.06) 0%, rgba(255, 255, 255, 0.02) 100%);
  border-color: rgba(247, 195, 83, 0.3);
  transform: translateY(-6px);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.4), 0 0 20px rgba(247, 195, 83, 0.05);
}

.wp-card-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 20px;
}

.wp-icon {
  color: var(--gold);
  background: rgba(247, 195, 83, 0.16);
  border: 1px solid rgba(247, 195, 83, 0.25);
  padding: 10px;
  border-radius: 12px;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.4s ease, background 0.4s ease;
}

.wp-card-arrow {
  display: none;
}



.wp-card h4 {
  color: #fff;
  font-size: 15px;
  font-weight: 600;
  margin-bottom: 6px;
}

.wp-card p {
  color: rgba(255, 255, 255, 0.85);
  font-size: 14px;
  line-height: 1.6;
  margin: 0;
}

.wp-card-footer {
  margin-top: auto;
  padding-top: 16px;
}

.wp-card-tag {
  display: inline-block;
  padding: 6px 14px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 20px;
  color: rgba(255, 255, 255, 0.85);
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-style: normal;
  transition: all 0.4s ease;
}

.wp-card:hover .wp-card-tag {
  display: inline-block;
  padding: 6px 14px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 20px;
  color: rgba(255, 255, 255, 0.85);
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-style: normal;
  transition: all 0.4s ease;
}

@media (max-width: 992px) {
  .wp-layout {
    grid-template-columns: 1fr;
  }

  .wp-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 600px) {
  .wp-grid {
    grid-template-columns: 1fr;
  }

  .wp-header {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }
}

/* ═══ 1:1 REFERENCE SIP CALCULATOR SECTION ═══ */
.sip-sec {
  background-color: #F8F6F0;
  padding: 80px 0;
  color: #1A1A1A;
}

.sip-layout {
  display: grid;
  grid-template-columns: 240px 1fr 270px;
  gap: 32px;
  align-items: stretch;
}

/* Left Intro Column */
.sip-intro {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.sip-eyebrow {
  color: #B58E58;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.sip-title {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 38px;
  font-weight: 400;
  color: #1A1A1A;
  line-height: 1.15;
  margin-bottom: 16px;
}

.sip-sub {
  color: #666666;
  font-size: 14px;
  line-height: 1.6;
}

/* Center Calculator Card */
.sip-card-container {
  background: #FFFFFF;
  border-radius: 16px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.04);
  border: 1px solid #EBE7DF;
  display: flex;
  flex-direction: column;
  overflow: hidden;
}

/* Tabs Header */
.sip-tabs {
  display: flex;
  border-bottom: 1px solid #EBE7DF;
  background: #FFFFFF;
  padding: 0 12px;
  overflow-x: auto;
}

.sip-tab {
  background: none;
  border: none;
  padding: 16px 18px;
  font-size: 13px;
  font-weight: 500;
  color: #777777;
  cursor: pointer;
  white-space: nowrap;
  position: relative;
  transition: color 0.2s ease;
  font-family: inherit;
}

.sip-tab:hover {
  color: #1A1A1A;
}

.sip-tab.active {
  color: #1A1A1A;
  font-weight: 700;
}

.sip-tab.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 12px;
  right: 12px;
  height: 3px;
  background-color: #E2B755;
  border-radius: 3px 3px 0 0;
}

/* Card Inner Grid */
.sip-card-body {
  padding: 28px 32px;
  display: grid;
  grid-template-columns: 210px 1fr;
  gap: 36px;
  align-items: start;
}

.sip-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.sip-field label {
  display: block;
  font-size: 12px;
  font-weight: 500;
  color: #666666;
  margin-bottom: 6px;
}

.sip-input-wrap {
  display: flex;
  align-items: center;
  background: #FFFFFF;
  border: 1px solid #DFD9CE;
  border-radius: 8px;
  padding: 10px 14px;
  transition: border-color 0.2s ease;
}

.sip-input-wrap:focus-within {
  border-color: #E2B755;
  box-shadow: 0 0 0 3px rgba(226, 183, 85, 0.15);
}

.sip-prefix,
.sip-suffix {
  font-size: 14px;
  font-weight: 600;
  color: #555555;
}

.sip-prefix {
  margin-right: 6px;
}

.sip-suffix {
  margin-left: 6px;
}

.sip-input-wrap input {
  width: 100%;
  border: none;
  background: transparent;
  outline: none;
  font-size: 14px;
  font-weight: 700;
  color: #1A1A1A;
  font-family: inherit;
}

.sip-btn {
  margin-top: 6px;
  background: #F5C252;
  color: #1A1A1A;
  border: none;
  border-radius: 8px;
  padding: 14px 20px;
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transition: background 0.2s ease, transform 0.2s ease;
  font-family: inherit;
}

.sip-btn:hover {
  background: #E8B441;
  transform: translateY(-1px);
}

/* Results & Chart */
.sip-results {
  display: flex;
  flex-direction: column;
}

.sip-res-header {
  margin-bottom: 10px;
}

.sip-res-label {
  display: block;
  font-size: 13px;
  font-weight: 500;
  color: #666666;
  margin-bottom: 4px;
}

.sip-res-amount {
  font-size: 28px;
  font-weight: 700;
  color: #D49B27;
}

.sip-legend {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-bottom: 16px;
}

.sip-legend-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  font-weight: 500;
  color: #555555;
}

.sip-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
}

.sip-dot--invested {
  background-color: #4A5A6A;
}

.sip-dot--returns {
  background-color: #E5B345;
}

.sip-chart-container {
  width: 100%;
  height: 180px;
  position: relative;
}

/* Right Column Poster Card */
.sip-poster {
  position: relative;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.06);
  min-height: 380px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
  padding: 32px 24px;
}

.sip-poster-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  z-index: 0;
}

.sip-poster-overlay {
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.7);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  z-index: 1;
}

.sip-poster-content {
  position: relative;
  z-index: 2;
  color: #FFFFFF;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.35);
}

.sip-poster-content h3 {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 28px;
  font-weight: 400;
  line-height: 1.25;
  color: #FFFFFF;
  margin-bottom: 16px;
}

.sip-poster-content p {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 16px;
  font-weight: 400;
  line-height: 1.4;
  color: rgba(255, 255, 255, 0.95);
  margin: 0;
}

/* Responsive */
@media (max-width: 1100px) {
  .sip-layout {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .sip-poster {
    min-height: 250px;
  }
}

@media (max-width: 768px) {
  .sip-card-body {
    grid-template-columns: 1fr;
  }
}

/* --- GLOBAL PERSPECTIVE --- */
.global-sec {
  background: transparent;
  padding: 80px 0;
  color: #fff;
}

.global-layout {
  display: grid;
  grid-template-columns: 280px 1fr auto;
  gap: 40px;
  align-items: center;
}

.global-left {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.global-left h2 {
  color: #fff;
}

.global-left p {
  color: rgba(255, 255, 255, 0.75);
}

.global-center {
  position: relative;
  width: 100%;
  height: 480px;
}

#globe-scene {
  width: 100%;
  height: 100%;
}

.globe-labels {
  position: absolute;
  inset: 0;
  pointer-events: none;
}

.globe-label {
  position: absolute;
  top: 0;
  left: 0;
  font-size: 13px;
  color: #fff;
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: 'Open Sans', 'Inter', -apple-system, sans-serif;
  font-weight: 300;
  letter-spacing: 0.02em;
  transition: opacity 0.3s ease;
  will-change: transform, opacity;
}

.globe-dot {
  width: 6px;
  height: 6px;
  background: #F7C353;
  border-radius: 50%;
  box-shadow: 0 0 14px 4px rgba(247, 195, 83, 0.7);
}

.globe-label.active {
  background: #F7C353;
  color: #000;
  padding: 4px 12px;
  border-radius: 4px;
  font-weight: 500;
}

.label-ny {
  flex-direction: row-reverse;
}

.label-london {
  flex-direction: column-reverse;
  gap: 8px;
}

.label-dubai {
  flex-direction: column;
  gap: 8px;
}

.label-mumbai {}

.label-sg {
  flex-direction: row;
}

.global-right {
  display: flex;
  align-items: center;
  gap: 48px;
  margin-right: 80px;
}

.global-stats {
  display: flex;
  flex-direction: column;
}

.global-stat {
  padding-bottom: 24px;
  margin-bottom: 24px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.global-stat h4 {
  font-size: 36px;
  font-weight: 500;
  color: #fff;
  margin: 0 0 4px 0;
}

.global-stat p {
  font-size: 15px;
  color: rgba(255, 255, 255, 0.6);
  margin: 0;
  font-weight: 300;
}

.wp-feat-badge {
  display: inline-block;
  position: absolute;
  top: 32px;
  left: 32px;
  z-index: 2;
  background: rgba(0, 0, 0, 0.4);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(247, 195, 83, 0.3);
  color: var(--gold);
  padding: 6px 14px;
  border-radius: 20px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
}

.wp-card-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
}

.wp-icon {
  color: var(--gold);
  background: rgba(247, 195, 83, 0.16);
  border: 1px solid rgba(247, 195, 83, 0.25);
  padding: 10px;
  border-radius: 12px;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.4s ease, background 0.4s ease;
}

.wp-card:hover .wp-icon {
  color: var(--gold);
  background: rgba(247, 195, 83, 0.16);
  border: 1px solid rgba(247, 195, 83, 0.25);
  padding: 10px;
  border-radius: 12px;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.4s ease, background 0.4s ease;
}

.wp-card-arrow {
  color: rgba(255, 255, 255, 0.15);
  font-size: 18px;
  line-height: 1;
  transition: color 0.4s ease, transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.wp-card:hover .wp-card-arrow {
  color: var(--gold);
  transform: translate(4px, -4px);
}

.wp-card h4 {
  color: #fff;
  font-size: 17px;
  font-weight: 600;
  margin-bottom: 8px;
  letter-spacing: -0.01em;
}

.wp-card p {
  color: rgba(255, 255, 255, 0.85);
  font-size: 14px;
  line-height: 1.6;
  margin: 0;
}

.wp-card-footer {
  margin-top: auto;
  padding-top: 24px;
}

.wp-card-tag {
  display: inline-block;
  padding: 6px 14px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 20px;
  color: rgba(255, 255, 255, 0.85);
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-style: normal;
  transition: all 0.4s ease;
}

.wp-card:hover .wp-card-tag {
  display: inline-block;
  padding: 6px 14px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 20px;
  color: rgba(255, 255, 255, 0.85);
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-style: normal;
  transition: all 0.4s ease;
}

.global-card {
  position: relative;
  width: 240px;
  height: 340px;
  border-radius: 8px;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.global-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: bottom;
}

.global-card-overlay {
  position: absolute;
  inset: 0;
  padding: 24px;
  background: linear-gradient(to top, rgba(0, 0, 0, 0.9) 0%, transparent 60%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
}

.card-quote {
  font-family: 'Open Sans', 'Inter', -apple-system, sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.15em;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.8);
  margin: 0;
}

@media (max-width: 1100px) {
  .global-layout {
    grid-template-columns: 1fr;
    gap: 60px;
  }

  .global-center {
    height: 350px;
  }

  .global-right {
    flex-direction: column;
    align-items: flex-start;
  }

  .global-stats {
    flex-direction: row;
    flex-wrap: wrap;
    justify-content: space-between;
    width: 100%;
  }
}

#globe-scene canvas {
  width: 100% !important;
  height: 100% !important;
  display: block;
}

/* ═══ MARKET INTELLIGENCE SECTION ═══ */
.mi-layout {
  display: grid;
  grid-template-columns: 320px 1fr 280px;
  gap: 40px;
  align-items: stretch;
}

/* Col 1 */
.mi-left {
  display: flex;
  flex-direction: column;
}

.mi-card {
  background: #FFFFFF;
  border-radius: 12px;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.04);
  padding: 24px;
  border: 1px solid rgba(0, 0, 0, 0.03);
}

.mi-tabs {
  display: flex;
  justify-content: space-between;
  border-bottom: 1px solid #EEEEEE;
  margin-bottom: 16px;
}

.mi-tab {
  background: none;
  border: none;
  font-size: 12px;
  font-weight: 600;
  color: #888888;
  padding: 8px 4px;
  cursor: pointer;
  position: relative;
  font-family: 'Open Sans', 'Inter', -apple-system, sans-serif;
}

.mi-tab.active {
  color: #111111;
}

.mi-tab.active::after {
  content: '';
  position: absolute;
  bottom: -1px;
  left: 0;
  width: 100%;
  height: 2px;
  background-color: var(--gold);
}

.mi-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid #FAFAFA;
  font-size: 12px;
}

.mi-row:last-child {
  border-bottom: none;
}

.mi-col-name {
  font-weight: 600;
  color: #333;
  width: 35%;
}

.mi-col-val {
  font-weight: 700;
  color: #111;
  text-align: right;
  width: 40%;
}

.mi-col-chg {
  font-weight: 600;
  text-align: right;
  width: 25%;
}

.text-green {
  color: #2E7D32;
}

.text-red {
  color: #D32F2F;
}

.mi-link-right {
  display: block;
  text-align: right;
  font-size: 11px;
  font-weight: 700;
  color: var(--gold);
  margin-top: 12px;
  text-decoration: none;
}

/* Col 2 */
.mi-center {
  display: flex;
  flex-direction: column;
}

.mi-header-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 24px;
}

.mi-header-row h3 {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 24px;
  font-weight: 400;
  color: #111;
  margin: 0;
}

.mi-header-row a {
  font-size: 12px;
  font-weight: 600;
  color: var(--gold);
  text-decoration: none;
}

.mi-insights-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.mi-insight-card {
  background: #FFFFFF;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.03);
  border: 1px solid rgba(0, 0, 0, 0.03);
  display: flex;
  flex-direction: column;
}

.mi-insight-img {
  width: 100%;
  height: 130px;
  object-fit: cover;
  display: block;
}

.mi-insight-body {
  padding: 16px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.mi-tag {
  display: inline-block;
  background: #FDF9EC;
  color: #C3992A;
  font-size: 9px;
  font-weight: 800;
  padding: 4px 8px;
  border-radius: 4px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 12px;
  align-self: flex-start;
}

.mi-insight-title {
  font-size: 15px;
  font-weight: 600;
  color: #111;
  line-height: 1.4;
  margin: 0 0 16px 0;
}

.mi-insight-meta {
  margin-top: auto;
  font-size: 11px;
  color: #888;
  font-weight: 500;
}

/* Col 3 */
.mi-right {
  display: flex;
  flex-direction: column;
}

.mi-list {
  display: flex;
  flex-direction: column;
}

.mi-list-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 0;
  border-bottom: 1px solid #EBEBEB;
}

.mi-list-item:last-child {
  border-bottom: none;
}

.mi-list-icon {
  color: #D4AF37;
  flex-shrink: 0;
  width: 20px;
  height: 20px;
}

.mi-list-text {
  font-size: 13px;
  font-weight: 500;
  color: #444;
  line-height: 1.4;
}

@media (max-width: 1100px) {
  .mi-layout {
    grid-template-columns: 1fr;
    gap: 48px;
  }
}

@media (max-width: 768px) {
  .mi-insights-grid {
    grid-template-columns: 1fr;
  }
}

/* ═══ FINANCIAL GUIDES SECTION ═══ */
.guides-sec {
  background: #111111;
  color: #ffffff;
  padding: 60px 0;
  position: relative;
  overflow: hidden;
  min-height: 50vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.guides-sec::before {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  left: 0;
  background-image: url('./assets/finance-building.jpg');
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
  opacity: 0.15;
  z-index: 0;
}

.guides-container {
  position: relative;
  z-index: 2;
  max-width: 1300px;
  margin: 0 auto;
  padding: 0 24px;
}

.guides-header {
  margin-bottom: 32px;
}

.guides-header h2 {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 36px;
  font-weight: 400;
  margin-bottom: 8px;
  color: #fff;
}

.guides-header p {
  font-size: 14px;
  color: #aaaaaa;
  margin: 0;
}

.guides-grid {
  display: flex;
  gap: 16px;
  /* Remove horizontal scroll so they fit inside container naturally */
  padding-bottom: 16px;
}

.guides-grid::-webkit-scrollbar {
  display: none;
}

.guides-grid {
  -ms-overflow-style: none;
  scrollbar-width: none;
}

.guide-card {
  background: #1A1A1A;
  border-radius: 8px;
  border: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  height: 180px;
  overflow: hidden;
  flex: 1;
  min-width: 0;
}

.guide-img {
  width: 90px !important;
  min-width: 90px !important;
  height: 120px !important;
  object-fit: cover !important;
  flex-shrink: 0;
  display: block;
}

.guide-info {
  padding: 12px 16px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  flex: 1;
}

.guide-info h4 {
  margin: 0 0 4px 0;
  font-size: 14px;
  font-weight: 600;
  color: #fff;
}

.guide-info .role {
  font-size: 11px;
  color: #888;
  margin-bottom: 2px;
}

.guide-info .exp {
  font-size: 11px;
  color: #666;
  margin-bottom: 12px;
}

.guide-links {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: auto;
}

.li-icon {
  width: 20px;
  height: 20px;
  background: #0077b5;
  color: #fff;
  border-radius: 2px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: bold;
  text-decoration: none;
}

.guide-view {
  font-size: 11px;
  color: var(--gold);
  text-decoration: none;
  font-weight: 600;
}

.guide-quote-card {
  background: rgba(26, 26, 26, 0.6);
  backdrop-filter: blur(8px);
  border-radius: 8px;
  border: 1px solid rgba(212, 175, 55, 0.3);
  padding: 24px;
  min-width: 180px;
  flex: 0.8;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.guide-quote-card p {
  font-size: 14px;
  color: #ddd;
  line-height: 1.5;
  margin: 0;
}

/* ═══ FINVISTA WHY ═══ */
.fv-why-layout {
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 40px;
  align-items: center;
}

.fv-eyebrow {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2.5px;
  color: #c98e4f;
  margin-bottom: 16px;
}

.fv-why-left h2 {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 38px;
  line-height: 1.15;
  color: #111;
  margin-bottom: 12px;
}

.fv-why-left p {
  font-size: 14px;
  color: #666;
  line-height: 1.5;
}

.fv-why-right {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 12px;
}

.fv-why-card {
  background: #fff;
  border-radius: 8px;
  padding: 24px 12px;
  text-align: center;
  box-shadow: none;
  border: 1px solid #f4f4f4;
}

.fv-icon {
  width: 32px;
  height: 32px;
  margin: 0 auto 16px;
  color: #c98e4f;
}

.fv-icon svg {
  width: 100%;
  height: 100%;
  stroke-width: 1px;
}

.fv-why-card h4 {
  font-size: 14px;
  font-weight: 600;
  color: #222;
  margin-bottom: 8px;
  line-height: 1.2;
}

.fv-why-card p {
  font-size: 11px;
  color: #777;
  line-height: 1.4;
  margin: 0;
}

/* ═══ FINVISTA FAQ ═══ */
.fv-faq-layout {
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 40px;
}

.fv-faq-left h2 {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 38px;
  line-height: 1.15;
  color: #111;
  margin-bottom: 12px;
}

.fv-faq-left p {
  font-size: 14px;
  color: #666;
  line-height: 1.5;
  margin-bottom: 32px;
}

.fv-btn-outline {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 10px 20px;
  border: 1px solid #ddd;
  border-radius: 4px;
  font-size: 12px;
  font-weight: 600;
  color: #111;
  text-decoration: none;
  background: #fff;
  transition: 0.2s;
}

.fv-btn-outline:hover {
  background: #f4f4f4;
}

.fv-faq-right {
  display: flex;
  gap: 32px;
  border-left: 1px solid #eaeaea;
  padding-left: 40px;
}

.fv-accordion {
  flex: 1;
  display: flex;
  flex-direction: column;
}

.fv-acc-item {
  display: flex;
  align-items: center;
  padding: 14px 0;
  border-bottom: 1px solid #f4f4f4;
  cursor: pointer;
}

.fv-acc-item:first-child {
  padding-top: 0;
}

.fv-acc-icon {
  width: 14px;
  height: 14px;
  margin-right: 16px;
  flex-shrink: 0;
}

.fv-acc-item span {
  flex: 1;
  font-size: 13px;
  font-weight: 500;
  color: #222;
}

.fv-acc-plus {
  font-size: 20px;
  color: #aaa;
  font-weight: 300;
}

.fv-faq-img-box {
  width: 220px;
  border-radius: 4px;
  overflow: hidden;
  position: relative;
  flex-shrink: 0;
}

.fv-faq-img-box img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.fv-faq-img-box::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(to top, rgba(0, 0, 0, 0.8), rgba(0, 0, 0, 0.1));
}

.fv-faq-img-text {
  position: absolute;
  bottom: 20px;
  right: 20px;
  text-align: right;
  z-index: 2;
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  line-height: 1.5;
}

@media (max-width: 1100px) {

  .fv-why-layout,
  .fv-faq-layout {
    grid-template-columns: 1fr;
  }

  .fv-why-right {
    grid-template-columns: repeat(3, 1fr);
  }

  .fv-faq-right {
    flex-direction: column;
    border-left: none;
    padding-left: 0;
  }

  .fv-faq-img-box {
    width: 100%;
    height: 200px;
  }
}

@media (max-width: 768px) {
  .fv-why-right {
    grid-template-columns: 1fr;
  }
}

/* ═══ OUR APPROACH SECTION ═══ */
.approach-sec {
  width: 100%;
  min-height: calc(100vw * 9 / 16);
  color: #fff;
  position: relative;
  padding: 110px 0 60px !important;
  margin: 0 !important;
  background-color: #111;
}

.mountain-bg-wrapper {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  aspect-ratio: 16 / 9;
  background-image: url('./assets/journey-mountain.png');
  background-size: 100% 100%;
  background-repeat: no-repeat;
  background-position: center center;
  z-index: 0;
  pointer-events: none;
}

.mountain-bg-wrapper::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(to right, rgba(17, 17, 17, 1) 0%, rgba(17, 17, 17, 0.85) 45%, rgba(17, 17, 17, 0) 100%);
  z-index: 1;
}

.approach-layout {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  justify-content: center;
  height: 100%;
}

.approach-header {
  text-align: center;
  margin-bottom: 40px;
  margin-top: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.approach-header .fv-eyebrow {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2.5px;
  color: #E2B15B;
  margin-top: 0;
  margin-bottom: 12px !important;
  display: block;
}

.approach-header h2 {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 48px;
  font-weight: 400;
  color: #fff;
  margin-top: 0;
  margin-bottom: 16px;
  line-height: 1.2;
}

.approach-header p:not(.fv-eyebrow) {
  color: #aaa;
  font-size: 15px;
  line-height: 1.6;
  max-width: 500px;
  margin: 0 auto;
}

.approach-content {
  display: flex;
  align-items: flex-start;
  gap: 100px;
  margin-bottom: 60px;
}

.approach-steps {
  display: flex;
  flex-direction: column;
  position: relative;
  gap: 48px;
  padding-left: 5px;
  /* space for the line */
  margin-top: 40px;
}

.approach-steps::before {
  content: '';
  position: absolute;
  top: 10px;
  bottom: 10px;
  left: 13px;
  /* Center of the dot */
  width: 1px;
  background: #E2B15B;
  z-index: 1;
}

.approach-step {
  display: flex;
  align-items: center;
  gap: 20px;
  color: #888;
  font-size: 18px;
  position: relative;
  cursor: pointer;
  z-index: 2;
}

.approach-step.active {
  color: #fff;
}

.approach-step.active .approach-step-label {
  color: #E2B15B;
}

.approach-step-dot {
  width: 16px;
  height: 16px;
  border-radius: 50%;
  border: 1px solid #E2B15B;
  background: #111;
  display: flex;
  align-items: center;
  justify-content: center;
}

.approach-step.active .approach-step-dot {
  border-width: 1px;
}

.approach-step.active .approach-step-dot::after {
  content: '';
  width: 6px;
  height: 6px;
  background: #fff;
  border-radius: 50%;
  box-shadow: 0 0 6px 1px #E2B15B;
}

.approach-step-num {
  font-family: monospace;
  font-size: 16px;
  width: 24px;
}

.approach-step-label {
  font-weight: 500;
  font-size: 20px;
  letter-spacing: 0.5px;
}

.approach-card {
  background: rgba(20, 20, 20, 0.5);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(226, 177, 91, 0.25);
  border-radius: 12px;
  padding: 30px;
  width: 380px;
}

.card-num {
  color: #E2B15B;
  font-family: sans-serif;
  font-size: 14px;
  margin-bottom: 10px;
}

.approach-card h3 {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 28px;
  font-weight: 400;
  margin-bottom: 12px;
  color: #fff;
}

.approach-card p {
  color: #aaa;
  font-size: 15px;
  line-height: 1.6;
  margin-bottom: 30px;
}

.card-list {
  list-style: none;
  padding: 0;
  margin: 0 0 30px 0;
}

.card-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
  color: #ccc;
  font-size: 14px;
}

.card-check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  background: #E2B15B;
  color: #000;
  border-radius: 50%;
  font-size: 11px;
  font-weight: bold;
}

.approach-right-text {
  position: absolute;
  right: 6%;
  top: 25%;
  color: rgba(255, 255, 255, 0.6);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 3px;
  line-height: 2.2;
  text-align: left;
  z-index: 2;
}

/* Mountain glowing marker */
.mountain-marker {
  position: absolute;
  width: 24px;
  height: 24px;
  background: #fff;
  border-radius: 50%;
  transform: translate(-50%, -50%);
  z-index: 3;
  box-shadow: 0 0 20px 8px rgba(226, 177, 91, 0.8), inset 0 0 10px #ffdf99;
  pointer-events: none;
  opacity: 0.9;
  /* Glowing pulse animation */
  animation: pulseMarker 2s infinite alternate;
}

@keyframes pulseMarker {
  0% {
    box-shadow: 0 0 15px 5px rgba(226, 177, 91, 0.6), inset 0 0 8px #ffdf99;
    transform: translate(-50%, -50%) scale(1);
  }

  100% {
    box-shadow: 0 0 25px 12px rgba(226, 177, 91, 1), inset 0 0 12px #ffffff;
    transform: translate(-50%, -50%) scale(1.1);
  }
}

@media (max-width: 768px) {
  .approach-content {
    flex-direction: column;
    gap: 40px;
  }

  .approach-right-text {
    display: none;
  }

  .approach-card {
    width: 100%;
  }
}

.marker-label {
  position: absolute;
  top: 50%;
  left: 36px;
  transform: translateY(-50%);
  background: rgba(20, 20, 20, 0.8);
  border: 1px solid rgba(226, 177, 91, 0.5);
  backdrop-filter: blur(4px);
  padding: 4px 12px;
  border-radius: 20px;
  color: #fff;
  font-size: 14px;
  white-space: nowrap;
  pointer-events: none;
  font-weight: 500;
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.5);
}

/* NEW PARTNERS SECTION */
.sec--partners-new {
  position: relative;
  width: 100%;
  min-height: 800px;
  background: url('./assets/partners-bg.png') no-repeat center center;
  background-size: cover;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  color: #fff;
  overflow: hidden;
  padding-top: 48px;
}

.sec--partners-new::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(to right, rgba(0, 0, 0, 0.85) 0%, rgba(0, 0, 0, 0.5) 40%, rgba(0, 0, 0, 0.2) 70%, transparent 100%);
  z-index: 0;
}

.sec--partners-new::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(to top, rgba(0, 0, 0, 0.95) 0%, rgba(0, 0, 0, 0.4) 30%, transparent 100%);
  z-index: 0;
}

.pn-content {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  height: 100%;
  width: 100%;
  padding: 0 5%;
  flex: 1;
}

.pn-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  width: 100%;
}

.pn-eyebrow {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--gold);
  font-size: 11px;
  letter-spacing: 2px;
  font-weight: 600;
}

.pn-eyebrow::before {
  content: '';
  display: block;
  width: 40px;
  height: 1px;
  background: var(--gold);
}

.pn-eyebrow::after {
  content: '';
  display: block;
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--gold);
}

.pn-stats {
  display: flex;
  gap: 40px;
}

.pn-stat {
  display: flex;
  align-items: center;
  gap: 12px;
}

.pn-stat-icon {
  color: var(--gold);
}

.pn-stat-text {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 1px;
  line-height: 1.4;
  color: #ccc;
  text-transform: uppercase;
}

.pn-stat-border {
  width: 1px;
  height: 24px;
  background: rgba(255, 255, 255, 0.2);
}

.pn-main {
  margin-top: 60px;
  max-width: 650px;
}

.pn-main h2 {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-size: 64px;
  font-weight: 500;
  line-height: 1.1;
  margin-bottom: 24px;
}

.pn-main h2 i {
  font-style: italic;
  font-weight: 400;
  color: var(--gold);
}

.pn-main p {
  font-size: 16px;
  color: #bbb;
  line-height: 1.6;
  margin-bottom: 48px;
  max-width: 500px;
}

.pn-actions {
  display: flex;
  align-items: center;
  gap: 32px;
}

.pn-btn {
  background: linear-gradient(90deg, #f0d080, #cda754);
  color: #000;
  padding: 16px 32px;
  border-radius: 30px;
  font-weight: 700;
  font-size: 11px;
  letter-spacing: 2px;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 8px;
  transition: transform 0.2s;
}

.pn-btn:hover {
  transform: scale(1.05);
}

.pn-btn-play {
  display: flex;
  align-items: center;
  gap: 16px;
  text-decoration: none;
  color: #fff;
}

.pn-btn-play .icon {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.3);
  display: grid;
  place-items: center;
  color: #fff;
  transition: background 0.2s, color 0.2s;
}

.pn-btn-play:hover .icon {
  background: #fff;
  color: #000;
}

.pn-btn-play span {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 1px;
  line-height: 1.4;
}

.pn-glass-container {
  margin-top: auto;
  margin-bottom: 40px;
  background: transparent;
  backdrop-filter: none;
  border: none;
  border-radius: 0;
  display: flex;
  align-items: center;
  padding: 24px;
  position: relative;
  z-index: 2;
}

.pn-glass-left {
  padding-right: 32px;
  border-right: 1px solid rgba(255, 255, 255, 0.1);
  min-width: 180px;
}

.pn-glass-left h4 {
  font-size: 11px;
  letter-spacing: 2px;
  color: #fff;
  margin-bottom: 8px;
  text-transform: uppercase;
  font-weight: 600;
}

.pn-glass-left p {
  font-size: 11px;
  color: #999;
  line-height: 1.5;
  margin: 0;
}

.pn-logos {
  display: flex;
  gap: 24px;
  padding-left: 32px;
  align-items: center;
  flex: 1;
  overflow: hidden;
}

.pn-logo-box {
  width: 200px;
  height: 90px;
  background: rgba(25, 25, 25, 0.4);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  transition: transform 0.3s, background 0.3s;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
}

.pn-logo-box:hover {
  background: rgba(45, 45, 45, 0.6);
  transform: translateY(-5px);
}

.pn-logo-box img {
  max-width: 100%;
  max-height: 100%;
  opacity: 1;
  transition: opacity 0.3s;
}

.pn-logo-box:hover img {
  opacity: 1;
}

.pn-logo-more {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
  color: #fff;
  font-size: 10px;
  min-width: 60px;
}

.pn-logo-more .circle {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 1px solid var(--gold);
  display: grid;
  place-items: center;
  color: var(--gold);
}

.pn-footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  position: relative;
  z-index: 2;
  width: 100%;
  padding: 0 5% 48px;
}

.pn-footer-left {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 9px;
  letter-spacing: 2px;
  color: #777;
  text-transform: uppercase;
}

.pn-footer-left::before {
  content: '';
  width: 40px;
  height: 1px;
  background: #333;
}

.pn-footer-right {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 11px;
  color: #888;
  letter-spacing: 1px;
}

.pn-footer-right .line {
  width: 20px;
  height: 2px;
  background: var(--gold);
}

.pn-footer-nav {
  display: flex;
  gap: 12px;
}

.pn-footer-nav button {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.2);
  background: transparent;
  color: var(--gold);
  cursor: pointer;
  display: grid;
  place-items: center;
  transition: border-color 0.3s;
}

.pn-footer-nav button:hover {
  border-color: var(--gold);
}

.pn-script {
  position: absolute;
  right: 5%;
  top: 35%;
  font-family: 'Great Vibes', 'Brush Script MT', cursive;
  font-size: 42px;
  color: #fff;
  transform: rotate(-5deg);
  opacity: 0.8;
  line-height: 1.2;
  text-align: center;
}

.pn-mountain-curve {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 1;
}

.pn-milestone {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 12px;
}

.pn-milestone-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #fff;
  box-shadow: 0 0 10px 2px rgba(255, 255, 255, 0.5);
}

.pn-milestone-text {
  font-size: 9px;
  letter-spacing: 2px;
  color: #ccc;
  font-weight: 600;
  text-transform: uppercase;
}

/* Serif utility class */
.font-serif {
  font-family: 'Instrument Serif', 'Times New Roman', serif;
  font-weight: 400;
  letter-spacing: -0.02em;
}

/* Approach Skip Button */
.approach-sec {
  position: relative;
}

.approach-skip-btn {
  display: flex;
  width: 100%;
  max-width: none;
  margin: 0;
  padding: 24px 0;
  justify-content: center;
  align-items: center;
  background-color: rgba(255, 255, 255, 0.05);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  color: var(--gold);
  border: none;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 0;
  font-family: inherit;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  cursor: pointer;
  transition: all 0.3s ease;
  position: absolute;
  top: 100%;
  left: 0;
  transform: translateY(-16px);
  z-index: 100;
}

.approach-skip-btn:hover {
  color: var(--gold);
  background-color: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.3);
}

/* Golden Gradients for Why Finvista Cards */
.fv-why-card {
  background: linear-gradient(#fff, #fff) padding-box,
    linear-gradient(135deg, rgba(255, 215, 115, 0.4) 0%, rgba(212, 175, 55, 1) 100%) border-box !important;
  border: 2px solid transparent !important;
  box-shadow: 0 6px 16px rgba(212, 175, 55, 0.05) !important;
  transition: all 0.3s ease !important;
}

.fv-why-card:hover {
  background: linear-gradient(#fff, #fff) padding-box,
    linear-gradient(135deg, rgba(255, 215, 115, 0.8) 0%, rgba(212, 175, 55, 1) 100%) border-box !important;
  box-shadow: 0 10px 24px rgba(212, 175, 55, 0.1) !important;
  transform: translateY(-4px) !important;
}

/* Insights Page Custom Styles */
@keyframes goldPulse {
  0%, 100% { opacity: 0.8; transform: scale(1); box-shadow: 0 0 10px rgba(232, 189, 86, 0.5); }
  50% { opacity: 1; transform: scale(1.05); box-shadow: 0 0 20px rgba(232, 189, 86, 0.9); }
}
.pulse-glow { animation: goldPulse 3s infinite ease-in-out; }
.luxury-radial-bg { background: radial-gradient(circle at 50% 0%, #FAF5EE 0%, #F1E9DE 50%, #E8DFCFA0 100%); }
.brushed-gold-btn { background: linear-gradient(135deg, #F3D279 0%, #D8A542 50%, #C7922D 100%); transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1); }
.brushed-gold-btn:hover { background: linear-gradient(135deg, #FFE193 0%, #E8B451 50%, #D8A542 100%); transform: translateY(-1px); box-shadow: 0 8px 20px rgba(216, 165, 66, 0.35); }

/* Force Scrolled Navbar State for Insights */
.hdr.force-scrolled {
  height: 70px;
  background: rgba(20, 18, 15, 0.8);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom-color: transparent;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.5);
}
.hdr.force-scrolled .nav { padding: 4px 6px; }
.hdr.force-scrolled .nav-highlight { top: 4px; bottom: 4px; }



/* --- FinVista Private Client / Family Office --- */
.glass-card {
    background: linear-gradient(145deg, #1a1a1a 0%, #121212 100%);
    border: 1px solid rgba(250, 248, 245, 0.05);
}

.gold-gradient-text {
    background: linear-gradient(135deg, #F3C56E 0%, #E5A93C 50%, #C78D24 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.gold-gradient-bg {
    background: linear-gradient(135deg, #F3C56E 0%, #E5A93C 50%, #C78D24 100%);
}


.light-glass-card {
    background: #FFFFFF;
    border: 1px solid #B58E58;
    box-shadow: 0 8px 30px rgba(181, 142, 88, 0.15);
}


/* ── Dropdown Menu ─────────────────────────────────────── */
.nav-item-dropdown {
  position: relative;
  display: inline-flex !important;
  align-items: center !important;
  cursor: pointer;
  white-space: nowrap !important;
}
.nav-item-dropdown > a {
  display: inline-flex !important;
  align-items: center !important;
  gap: 6px !important;
  white-space: nowrap !important;
  flex-wrap: nowrap !important;
}
.nav-item-dropdown > a svg {
  display: inline-block !important;
  flex-shrink: 0 !important;
  vertical-align: middle !important;
}
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(10px);
  background: rgba(14, 14, 13, 0.95);
  backdrop-filter: blur(16px);
  border: 1px solid rgba(232, 189, 86, 0.15);
  border-radius: 12px;
  padding: 8px 0;
  min-width: 180px;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.4);
  z-index: 9999;
  display: flex;
  flex-direction: column;
}
.nav-item-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dropdown-menu a {
  display: block !important;
  padding: 10px 24px !important;
  color: #D1CCC3 !important;
  font-size: 13px !important;
  text-decoration: none !important;
  transition: color 0.2s, background 0.2s !important;
  text-align: left !important;
}
.dropdown-menu a::after {
  display: none !important; /* overrides any nav active state line */
}
.dropdown-menu a:hover {
  color: #E8BD56 !important;
  background: rgba(255, 255, 255, 0.04) !important;
}


/* ── Mobile Optimizations (<= 768px) ───────────────────────────────── */
@media (max-width: 768px) {
  /* Header */
  .hdr-right .btn {
    display: none !important; /* Hide CTA on mobile to save space */
  }
  .hamburger {
    margin-left: auto;
  }
  
  /* Hero Section */
  .hero {
    padding-top: 140px !important;
    min-height: auto !important;
    height: auto !important;
    justify-content: flex-start !important;
  }
  .hero-body {
    padding-top: 20px !important;
  }
  .hero-content {
    padding-top: 10px !important;
    padding-bottom: 40px !important;
    margin-left: 0 !important;
  }
  .hero-content h1 {
    font-size: clamp(32px, 8vw, 44px) !important;
  }
  .hero-btns {
    flex-direction: column;
    width: 100%;
  }
  .hero-btns .btn {
    width: 100%;
    text-align: center;
    justify-content: center;
    margin-bottom: 12px;
  }
  .hero-strip {
    flex-direction: column !important;
    align-items: flex-start !important;
    gap: 16px !important;
  }
  .hstrip-item {
    padding-right: 0 !important;
    border-right: none !important;
    width: 100%;
  }
  .hero-metrics {
    flex-direction: column !important;
    gap: 24px !important;
  }
  
  /* Services Section */
  .svc-grid {
    grid-template-columns: 1fr !important;
  }
  
  /* Calculator Section */
  .calc-layout {
    grid-template-columns: 1fr !important;
  }
  .calc-inputs {
    border-right: none !important;
    border-bottom: 1px solid #1a1a1a;
    padding-right: 0 !important;
    padding-bottom: 32px !important;
    margin-bottom: 32px !important;
  }
  .calc-chart {
    padding-left: 0 !important;
  }
  .calc-slider {
    flex-direction: column;
    align-items: flex-start !important;
    gap: 12px;
  }
  .calc-slider input[type=range] {
    width: 100% !important;
  }

  /* Family Office / Split Section */
  .split-sec {
    grid-template-columns: 1fr !important;
    gap: 40px !important;
  }
  .stats-grid {
    grid-template-columns: 1fr !important;
    gap: 24px !important;
  }

  /* Footer */
  .ftr-cols {
    flex-direction: column !important;
    gap: 32px !important;
  }
  .ftr-col {
    padding-left: 0 !important;
    border-left: none !important;
    text-align: left !important;
  }
  .nl-form {
    flex-direction: column;
  }
  .nl-form input {
    border-radius: 4px !important;
    border-right: 1px solid #333 !important;
    margin-bottom: 8px;
  }
  .nl-form button {
    border-radius: 4px !important;
    width: 100% !important;
  }
  
  /* General Spacing */
  .sec {
    padding: 60px 0 !important;
  }
  .sec-head {
    gap: 16px !important;
    margin-bottom: 32px !important;
  }
}

/* ═══ ANDROID & TOUCH OPTIMIZATIONS ═══ */
html, body {
  -webkit-tap-highlight-color: transparent !important;
  touch-action: manipulation;
  max-width: 100vw;
}

button, a, input, select, textarea, .nav-item-dropdown {
  touch-action: manipulation;
}

@media (max-width: 992px) {
  .nav {
    position: fixed;
    top: 0;
    right: -100%;
    width: 85vw;
    max-width: 340px;
    height: 100vh;
    height: 100dvh;
    background: rgba(14, 14, 13, 0.98);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-left: 1px solid rgba(232, 189, 86, 0.2);
    display: flex;
    flex-direction: column;
    padding: 80px 24px 40px;
    gap: 20px;
    transition: right 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    z-index: 999;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    box-shadow: -10px 0 30px rgba(0, 0, 0, 0.8);
  }

  .nav.open {
    right: 0 !important;
  }

  .approach-content {
    flex-direction: column !important;
    gap: 32px !important;
  }

  .approach-steps {
    margin-top: 0 !important;
  }
}

@media (max-width: 768px) {
  /* Prevent Android Chrome input focus auto-zooming */
  input, select, textarea {
    font-size: 16px !important;
  }

  /* Safe Area Padding for Android Notches & Camera Cutouts */
  .hdr {
    padding-top: env(safe-area-inset-top, 0px);
  }

  .ftr {
    padding-bottom: env(safe-area-inset-bottom, 20px);
  }
}

@media (max-width: 480px) {
  .container {
    width: 100% !important;
    padding-left: 16px !important;
    padding-right: 16px !important;
  }

  .hero-content {
    margin-left: 0 !important;
    padding: 40px 0 !important;
  }

  .sec {
    padding: 50px 0 !important;
  }

  .approach-sec {
    padding: 80px 16px 40px !important;
  }

  .approach-header h2 {
    font-size: 34px !important;
  }

  .calc-card {
    padding: 20px 16px !important;
  }

  .hero-btns {
    gap: 12px;
  }

  .btn {
    padding: 0 20px !important;
    font-size: 13px !important;
  }
}