/* ============================================================
   VMS Jhunjhunwala & Co — Design System
   Palette: deep ink, brand teal, warm gold, warm paper
   Type: Fraunces (display) + Inter (body)
   ============================================================ */

:root {
  --ink: #0e1f2b;
  --ink-soft: #33465548;
  --ink-2: #16303f;
  --teal: #0d5c55;
  --teal-dark: #0a4740;
  --teal-tint: #eef4f2;
  --gold: #c39434;
  --gold-soft: #f6efdd;
  --paper: #faf9f6;
  --white: #ffffff;
  --line: #e6e3da;
  --text: #2b3a45;
  --muted: #5f7180;
  --radius: 14px;
  --shadow-sm: 0 1px 2px rgba(14, 31, 43, 0.06);
  --shadow-md: 0 10px 30px -12px rgba(14, 31, 43, 0.18);
  --shadow-lg: 0 24px 60px -24px rgba(14, 31, 43, 0.28);
  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Inter", -apple-system, "Segoe UI", sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--paper);
  line-height: 1.65;
  font-size: 16.5px;
  -webkit-font-smoothing: antialiased;
}

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

a { color: var(--teal); text-decoration: none; }

.container { max-width: 1180px; margin: 0 auto; padding: 0 28px; }

/* ---------- Typography ---------- */
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--ink); font-weight: 600; line-height: 1.15; }

h1 { font-size: clamp(2.4rem, 5vw, 3.9rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.6rem); letter-spacing: -0.015em; }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.05rem; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 18px;
}
.eyebrow::before {
  content: "";
  width: 28px; height: 2px;
  background: var(--gold);
}

.lead { font-size: 1.14rem; color: var(--muted); max-width: 62ch; }

.section { padding: 96px 0; }
.section--tint { background: var(--teal-tint); }
.section--white { background: var(--white); }
.section-head { max-width: 720px; margin-bottom: 56px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .eyebrow { justify-content: center; }
.section-head.center .eyebrow::before { display: none; }
.section-head h2 { margin-bottom: 16px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 15px 30px;
  border-radius: 100px;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.01em;
  transition: all 0.25s ease;
  border: 1.5px solid transparent;
  cursor: pointer;
  font-family: var(--font-body);
}
.btn svg { width: 16px; height: 16px; transition: transform 0.25s ease; }
.btn:hover svg { transform: translateX(4px); }

.btn--gold { background: var(--gold); color: var(--ink); }
.btn--gold:hover { background: #d3a648; box-shadow: var(--shadow-md); }

.btn--dark { background: var(--teal); color: #fff; }
.btn--dark:hover { background: var(--teal-dark); box-shadow: var(--shadow-md); }

.btn--ghost { border-color: rgba(255,255,255,0.4); color: #fff; }
.btn--ghost:hover { border-color: #fff; background: rgba(255,255,255,0.08); }

.btn--outline { border-color: var(--teal); color: var(--teal); }
.btn--outline:hover { background: var(--teal); color: #fff; }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--ink);
  color: #b9c6cf;
  font-size: 0.82rem;
  line-height: 1.4;
  padding: 9px 0;
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 12px 16px; flex-wrap: wrap; }
.topbar a { color: #dfe7ec; }
.topbar a:hover { color: var(--gold); }
.topbar-group { display: flex; gap: 8px 26px; align-items: center; flex-wrap: wrap; }
.topbar-item { display: inline-flex; align-items: center; gap: 7px; white-space: nowrap; }
.topbar-item svg { width: 13px; height: 13px; opacity: 0.75; flex-shrink: 0; display: block; }

/* ---------- Header ---------- */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.25s ease;
}
.header.scrolled { box-shadow: var(--shadow-md); }
.header .container,
.topbar .container {
  max-width: 1400px;
  padding: 0 20px;
}
.topbar .container { padding: 0 20px; }
.header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 92px;
  gap: 20px;
}
.logo { display: flex; align-items: center; gap: 12px; min-width: 0; overflow: hidden; }
.logo img { height: 52px; width: auto; flex-shrink: 0; }
.logo-text { display: flex; flex-direction: column; line-height: 1.12; min-width: 0; }
.logo-name, .logo-tag { overflow: hidden; text-overflow: ellipsis; }
.logo-name {
  font-family: var(--font-body);
  font-weight: 700;
  font-size: clamp(0.98rem, 0.55rem + 0.85vw, 1.28rem);
  letter-spacing: -0.01em;
  color: var(--teal);
  white-space: nowrap;
}
.logo-tag {
  font-size: clamp(0.55rem, 0.32rem + 0.44vw, 0.69rem);
  font-weight: 500;
  letter-spacing: 0.03em;
  color: var(--muted);
  margin-top: 3px;
  white-space: nowrap;
}

.nav { display: flex; align-items: center; gap: 20px; }
.nav > a, .nav-drop > a {
  color: var(--ink-2);
  font-weight: 500;
  font-size: 0.95rem;
  position: relative;
  padding: 6px 0;
  white-space: nowrap;
}
.nav > a.nav-tools {
  background: var(--gold-soft);
  border: 1.5px solid var(--gold);
  border-radius: 100px;
  padding: 8px 18px;
  color: var(--ink);
  font-weight: 600;
}
.nav > a.nav-tools:hover { background: var(--gold); color: var(--ink); }
.nav > a.nav-tools.active::after { display: none; }
.nav > a:hover, .nav > a.active, .nav-drop > a:hover { color: var(--teal); }
.nav > a.active::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -4px;
  height: 2px; background: var(--gold);
}

.nav-drop { position: relative; }
.nav-drop > a { display: inline-flex; align-items: center; gap: 6px; }
.nav-drop > a svg { width: 11px; height: 11px; }
.nav-drop-menu {
  position: absolute; top: calc(100% + 14px); left: -18px;
  background: #fff; border: 1px solid var(--line); border-radius: 12px;
  box-shadow: var(--shadow-lg); padding: 10px;
  min-width: 270px;
  opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: all 0.22s ease;
}
.nav-drop:hover .nav-drop-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-drop-menu a {
  display: block; padding: 11px 16px; border-radius: 8px;
  color: var(--ink-2); font-size: 0.92rem; font-weight: 500;
}
.nav-drop-menu a:hover { background: var(--teal-tint); color: var(--teal); }
.nav-drop-menu a span { display: block; font-size: 0.78rem; color: var(--muted); font-weight: 400; margin-top: 1px; }

.header-cta { display: flex; align-items: center; gap: 16px; }

.nav-toggle {
  display: none;
  background: none; border: none; cursor: pointer;
  width: 42px; height: 42px;
  align-items: center; justify-content: center;
}
.nav-toggle svg { width: 26px; height: 26px; color: var(--ink); }

/* Header responsive tiers — prevent logo/nav overlap */
@media (max-width: 1360px) {
  .nav { gap: 12px; }
  .nav > a, .nav-drop > a { font-size: 0.88rem; }
  .nav > a.nav-tools { padding: 7px 13px; }
  .logo img { height: 44px; }
}
@media (max-width: 1200px) {
  .header-cta .btn { display: none; }
}
@media (max-width: 1100px) {
  .nav {
    position: fixed; inset: 0; top: 0;
    background: var(--ink);
    flex-direction: column; justify-content: center; gap: 22px;
    opacity: 0; visibility: hidden; transition: opacity 0.3s ease;
    z-index: 200;
  }
  .nav.open { opacity: 1; visibility: visible; }
  .nav > a, .nav-drop > a { color: #fff; font-size: 1.3rem; font-family: var(--font-display); }
  .nav > a.nav-tools { background: transparent; border-color: var(--gold); color: var(--gold); }
  .nav-drop-menu {
    position: static; opacity: 1; visibility: visible; transform: none;
    background: transparent; border: none; box-shadow: none; text-align: center;
  }
  .nav-drop-menu a { color: #9fb2bd; }
  .nav-drop-menu a span { display: none; }
  .nav-close {
    position: absolute; top: 24px; right: 24px;
    background: none; border: none; cursor: pointer;
  }
  .nav-close svg { width: 30px; height: 30px; color: #fff; }
  .nav-toggle { display: flex; }
}

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(1000px 500px at 85% -10%, rgba(13, 92, 85, 0.55), transparent 60%),
    radial-gradient(700px 400px at -10% 110%, rgba(195, 148, 52, 0.16), transparent 55%),
    linear-gradient(160deg, #0e1f2b 0%, #10293a 55%, #0d3b3a 100%);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.035) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(ellipse at 70% 30%, black 30%, transparent 75%);
}
.hero .container {
  position: relative;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 60px;
  align-items: center;
  padding-top: 40px;
  padding-bottom: 46px;
  gap: 44px;
}
.hero h1, .hero-h1 { font-size: clamp(2.1rem, 4.2vw, 3.1rem); margin: 14px 0 16px; }
.hero .lead { margin-bottom: 26px; }
.hero h1, .hero-h1 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: #fff;
  margin: 22px 0 24px;
}
.hero h1 em, .hero-h1 em { font-style: italic; color: var(--gold); }
.hero .lead { color: #b9c9d2; margin-bottom: 40px; }
.hero .eyebrow { color: #d8c186; }
.hero .eyebrow::before { background: var(--gold); }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

/* Hero slider */
.hero-slider { display: grid; }
.hero-slide {
  grid-area: 1 / 1;
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.65s ease, transform 0.65s ease;
  pointer-events: none;
}
.hero-slide.is-on { opacity: 1; transform: none; pointer-events: auto; }
.hero-dots { display: flex; gap: 10px; margin-top: 26px; }
.hero-dot {
  width: 26px; height: 4px; border-radius: 100px;
  background: rgba(255,255,255,0.25);
  border: none; cursor: pointer; padding: 0;
  transition: all 0.3s ease;
}
.hero-dot:hover { background: rgba(255,255,255,0.5); }
.hero-dot.on { background: var(--gold); width: 44px; }

.hero-panel { display: grid; gap: 12px; }
.hero-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--radius);
  padding: 15px 20px;
  backdrop-filter: blur(6px);
  display: flex; gap: 15px; align-items: center;
}
.hero-card + .hero-card { transform: translateX(26px); }
.hero-card + .hero-card + .hero-card { transform: translateX(52px); }
.hero-card-icon {
  width: 46px; height: 46px; border-radius: 12px; flex-shrink: 0;
  background: rgba(195, 148, 52, 0.18);
  display: flex; align-items: center; justify-content: center;
}
.hero-card-icon svg { width: 22px; height: 22px; color: var(--gold); }
.hero-card strong { color: #fff; display: block; font-size: 0.98rem; }
.hero-card span { color: #9fb2bd; font-size: 0.84rem; }

/* ---------- Credential strip ---------- */
.credstrip { background: var(--ink); border-top: 1px solid rgba(255,255,255,0.08); }
.credstrip .container {
  display: flex; justify-content: space-between; align-items: center;
  gap: 20px; padding-top: 22px; padding-bottom: 22px; flex-wrap: wrap;
}
.cred-item { display: flex; align-items: center; gap: 12px; color: #cfdae1; font-size: 0.88rem; font-weight: 500; }
.cred-item svg { width: 20px; height: 20px; color: var(--gold); flex-shrink: 0; }

/* ---------- Service cards ---------- */
.svc-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; }
.svc-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 40px 38px;
  position: relative;
  transition: all 0.3s ease;
  display: block;
  color: var(--text);
}
.svc-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: transparent; }
.svc-icon {
  width: 56px; height: 56px; border-radius: 14px;
  background: var(--teal-tint);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 24px;
  transition: all 0.3s ease;
}
.svc-icon svg { width: 26px; height: 26px; color: var(--teal); transition: color 0.3s ease; }
.svc-card:hover .svc-icon { background: var(--teal); }
.svc-card:hover .svc-icon svg { color: #fff; }
.svc-card h3 { margin-bottom: 12px; }
.svc-card p { color: var(--muted); font-size: 0.96rem; margin-bottom: 20px; }
.svc-link { font-weight: 600; font-size: 0.92rem; color: var(--teal); display: inline-flex; align-items: center; gap: 8px; }
.svc-link svg { width: 15px; height: 15px; transition: transform 0.25s ease; }
.svc-card:hover .svc-link svg { transform: translateX(5px); }

/* ---------- Stats ---------- */
.stats-band { background: var(--teal); color: #fff; padding: 70px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px; text-align: center; }
.stat-num {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 4vw, 3.4rem);
  font-weight: 600; color: #fff; line-height: 1;
}
.stat-num span { color: var(--gold); }
.stat-label { margin-top: 10px; font-size: 0.9rem; color: #bcd8d2; }

/* ---------- Why / feature list ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.feature-list { display: grid; gap: 8px; margin-top: 34px; }
.feature-item { display: flex; gap: 18px; padding: 18px 0; border-bottom: 1px solid var(--line); }
.feature-item:last-child { border-bottom: none; }
.feature-icon {
  width: 44px; height: 44px; border-radius: 50%; flex-shrink: 0;
  background: var(--gold-soft);
  display: flex; align-items: center; justify-content: center;
}
.feature-icon svg { width: 20px; height: 20px; color: var(--gold); }
.feature-item strong { display: block; color: var(--ink); font-size: 1.02rem; margin-bottom: 3px; font-weight: 600; }
.feature-item p { color: var(--muted); font-size: 0.94rem; }

.about-visual { position: relative; }
.about-visual-card {
  background: var(--ink); color: #fff;
  border-radius: var(--radius);
  padding: 46px 42px;
  box-shadow: var(--shadow-lg);
}
.about-visual-card blockquote {
  font-family: var(--font-display);
  font-size: 1.5rem; line-height: 1.4; font-style: italic; color: #e9eef2;
}
.about-visual-card cite { display: block; margin-top: 22px; font-style: normal; font-size: 0.88rem; color: #9fb2bd; }
.about-visual-card cite strong { color: var(--gold); display: block; font-size: 0.95rem; }

/* ---------- Team ---------- */
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.team-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: all 0.3s ease;
}
.team-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.team-photo { aspect-ratio: 1 / 1; overflow: hidden; background: var(--teal-tint); }
.team-photo img { width: 100%; height: 100%; object-fit: cover; object-position: top center; transition: transform 0.4s ease; }
.team-card:hover .team-photo img { transform: scale(1.04); }
.team-info { padding: 26px 28px 30px; }
.team-info h3 { font-size: 1.22rem; margin-bottom: 4px; }
.team-role { color: var(--gold); font-weight: 600; font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.08em; }
.team-creds { margin-top: 12px; display: flex; flex-wrap: wrap; gap: 7px; }
.team-creds span {
  font-size: 0.72rem; font-weight: 600; color: var(--teal);
  background: var(--teal-tint); border-radius: 100px; padding: 4px 11px;
}

/* Full profile rows (team page) */
.profile-row {
  display: grid; grid-template-columns: 300px 1fr; gap: 50px;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 44px; margin-bottom: 30px;
}
.profile-photo { border-radius: 12px; overflow: hidden; align-self: start; background: var(--teal-tint); }
.profile-photo img { width: 100%; aspect-ratio: 1/1; object-fit: cover; object-position: top center; }
.profile-body h3 { font-size: 1.5rem; }
.profile-body .team-role { display: block; margin-top: 4px; }
.profile-body .team-creds { margin: 16px 0 20px; }
.profile-body p { color: var(--muted); font-size: 0.97rem; margin-bottom: 14px; }

/* ---------- Process ---------- */
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; counter-reset: step; }
.process-step {
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 34px 28px; position: relative;
}
.process-step::before {
  counter-increment: step;
  content: "0" counter(step);
  font-family: var(--font-display);
  font-size: 2.6rem; font-weight: 600;
  color: var(--gold); opacity: 0.35;
  display: block; margin-bottom: 14px; line-height: 1;
}
.process-step h4 { margin-bottom: 8px; font-size: 1.08rem; }
.process-step p { font-size: 0.9rem; color: var(--muted); }

/* ---------- CTA band ---------- */
.cta-band {
  background:
    radial-gradient(800px 400px at 90% 0%, rgba(195,148,52,0.22), transparent 60%),
    linear-gradient(150deg, #0e1f2b, #0d3b3a);
  color: #fff;
  border-radius: 22px;
  padding: 78px 70px;
  display: flex; justify-content: space-between; align-items: center; gap: 50px;
  box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: #fff; margin-bottom: 12px; }
.cta-band p { color: #b9c9d2; max-width: 48ch; }
.cta-actions { display: flex; gap: 16px; flex-shrink: 0; flex-wrap: wrap; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  background:
    radial-gradient(900px 400px at 80% -20%, rgba(13, 92, 85, 0.5), transparent 60%),
    linear-gradient(160deg, #0e1f2b 0%, #10293a 60%, #0d3b3a 100%);
  color: #fff;
  padding: 92px 0 80px;
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 56px 56px;
}
.page-hero .container { position: relative; }
.breadcrumb { font-size: 0.85rem; color: #8fa4b1; margin-bottom: 18px; }
.breadcrumb a { color: #c6d3db; }
.breadcrumb a:hover { color: var(--gold); }
.page-hero h1 { color: #fff; font-size: clamp(2.1rem, 4.4vw, 3.2rem); max-width: 20ch; }
.page-hero .lead { color: #b9c9d2; margin-top: 18px; }

/* ---------- Service detail ---------- */
.svc-layout { display: grid; grid-template-columns: 1fr 340px; gap: 60px; align-items: start; }
.svc-content h2 { font-size: 1.9rem; margin: 48px 0 18px; }
.svc-content h2:first-child { margin-top: 0; }
.svc-content p { margin-bottom: 16px; color: var(--text); }
.check-list { list-style: none; display: grid; gap: 13px; margin: 22px 0; }
.check-list li { display: flex; gap: 13px; align-items: flex-start; color: var(--text); }
.check-list li svg { width: 20px; height: 20px; color: var(--teal); flex-shrink: 0; margin-top: 3px; }

.offer-grid { display: grid; gap: 20px; margin-top: 28px; }
.offer-card {
  background: var(--white); border: 1px solid var(--line);
  border-radius: 12px; padding: 28px 30px;
  border-left: 3px solid var(--gold);
}
.offer-card h4 { font-size: 1.1rem; margin-bottom: 8px; }
.offer-card p { color: var(--muted); font-size: 0.94rem; margin: 0; }

.svc-aside { position: sticky; top: 110px; display: grid; gap: 24px; }
.aside-card {
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 30px;
}
.aside-card--dark { background: var(--ink); border: none; color: #fff; }
.aside-card--dark h4 { color: #fff; }
.aside-card--dark p { color: #9fb2bd; font-size: 0.9rem; }
.aside-card h4 { margin-bottom: 14px; font-size: 1.05rem; }
.aside-nav { list-style: none; display: grid; gap: 4px; }
.aside-nav a {
  display: flex; justify-content: space-between; align-items: center;
  padding: 12px 14px; border-radius: 9px;
  color: var(--ink-2); font-weight: 500; font-size: 0.92rem;
}
.aside-nav a:hover { background: var(--teal-tint); color: var(--teal); }
.aside-nav a.current { background: var(--teal); color: #fff; }
.aside-contact { display: grid; gap: 12px; margin-top: 18px; }
.aside-contact a { display: flex; align-items: center; gap: 11px; color: #dfe7ec; font-size: 0.92rem; }
.aside-contact a:hover { color: var(--gold); }
.aside-contact svg { width: 16px; height: 16px; color: var(--gold); flex-shrink: 0; }

/* ---------- Insights ---------- */
.insight-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.insight-card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 34px 32px; display: flex; flex-direction: column;
  transition: all 0.3s ease; color: var(--text);
}
.insight-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.insight-tag {
  align-self: flex-start; font-size: 0.72rem; font-weight: 600; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--gold);
  background: var(--gold-soft); border-radius: 100px; padding: 5px 13px; margin-bottom: 18px;
}
.insight-card h3 { font-size: 1.22rem; margin-bottom: 10px; line-height: 1.3; }
.insight-card p { color: var(--muted); font-size: 0.92rem; flex: 1; }
.insight-meta { margin-top: 20px; font-size: 0.82rem; color: var(--muted); display: flex; gap: 8px; align-items: center; }
.insight-meta strong { color: var(--ink); font-weight: 600; }

/* ---------- Article ---------- */
.article-wrap { max-width: 760px; margin: 0 auto; }
.article-meta-bar {
  display: flex; gap: 14px; align-items: center; flex-wrap: wrap;
  color: #8fa4b1; font-size: 0.9rem; margin-top: 22px;
}
.article-meta-bar strong { color: #fff; }
.article-body { font-size: 1.05rem; }
.article-body h2 { font-size: 1.65rem; margin: 44px 0 16px; }
.article-body h3 { font-size: 1.2rem; margin: 32px 0 12px; }
.article-body p { margin-bottom: 18px; }
.article-body ul, .article-body ol { margin: 0 0 18px 22px; }
.article-body li { margin-bottom: 9px; }
.article-body table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: 0.92rem; }
.article-body th { text-align: left; background: var(--teal-tint); color: var(--ink); padding: 12px 14px; border: 1px solid var(--line); font-weight: 600; }
.article-body td { padding: 11px 14px; border: 1px solid var(--line); vertical-align: top; }
.article-callout {
  background: var(--teal-tint); border-left: 3px solid var(--teal);
  border-radius: 10px; padding: 22px 26px; margin: 26px 0;
}
.article-callout p { margin: 0; font-size: 0.97rem; }
.article-disclaimer {
  margin-top: 44px; padding-top: 24px; border-top: 1px solid var(--line);
  font-size: 0.84rem; color: var(--muted);
}
.article-author-card {
  display: flex; gap: 20px; align-items: center;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px 30px; margin-top: 36px;
}
.article-author-card img { width: 72px; height: 72px; border-radius: 50%; object-fit: cover; object-position: top center; }
.article-author-card strong { display: block; color: var(--ink); font-family: var(--font-display); font-size: 1.1rem; }
.article-author-card span { color: var(--muted); font-size: 0.88rem; }

/* ---------- FAQ ---------- */
.faq-list { display: grid; gap: 14px; margin-top: 28px; }
.faq-item {
  background: var(--white); border: 1px solid var(--line); border-radius: 12px;
  padding: 4px 26px;
}
.faq-item summary {
  cursor: pointer; list-style: none; display: flex; justify-content: space-between;
  align-items: center; gap: 16px; padding: 18px 0;
  font-weight: 600; color: var(--ink); font-size: 1rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; font-family: var(--font-display); font-size: 1.5rem;
  color: var(--gold); flex-shrink: 0; line-height: 1; transition: transform 0.25s ease;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item .faq-a { padding: 0 0 20px; color: var(--muted); font-size: 0.95rem; }

/* ---------- Updates (Regulatory Radar) ---------- */
.updates-strip { background: var(--ink); color: #cfdae1; }
.updates-strip .section-head h2, .updates-strip .section-head .lead { color: #fff; }
.updates-strip .section-head .lead { color: #9fb2bd; }
.update-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.update-card {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.12);
  border-radius: 12px; padding: 24px 24px 20px; display: flex; flex-direction: column;
  color: #cfdae1; transition: all 0.25s ease;
}
a.update-card:hover { background: rgba(255,255,255,0.09); transform: translateY(-3px); }
.update-tag {
  align-self: flex-start; font-size: 0.68rem; font-weight: 600; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--gold);
  border: 1px solid rgba(195,148,52,0.5); border-radius: 100px; padding: 3px 10px; margin-bottom: 14px;
}
.update-card h3 { color: #fff; font-family: var(--font-body); font-size: 0.98rem; font-weight: 600; line-height: 1.45; margin-bottom: 8px; }
.update-card p { font-size: 0.85rem; color: #9fb2bd; flex: 1; }
.update-date { margin-top: 14px; font-size: 0.76rem; color: #6f8494; }

/* Updates page list */
.update-row {
  background: var(--white); border: 1px solid var(--line); border-radius: 12px;
  padding: 26px 30px; margin-bottom: 16px;
}
.update-row-head { display: flex; gap: 12px; align-items: center; flex-wrap: wrap; margin-bottom: 8px; }
.update-row-head .update-tag { margin-bottom: 0; border-color: var(--gold); }
.update-row-head time { font-size: 0.8rem; color: var(--muted); }
.update-row h3 { font-size: 1.12rem; margin-bottom: 6px; }
.update-row p { color: var(--muted); font-size: 0.94rem; }
.filter-chips { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 32px; }
.filter-chip {
  border: 1.5px solid var(--line); background: var(--white); color: var(--ink-2);
  border-radius: 100px; padding: 8px 18px; font-size: 0.85rem; font-weight: 600;
  cursor: pointer; font-family: var(--font-body); transition: all 0.2s ease;
}
.filter-chip:hover { border-color: var(--teal); color: var(--teal); }
.filter-chip.on { background: var(--teal); border-color: var(--teal); color: #fff; }

/* ---------- Wizard ---------- */
.wizard-box {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 44px; box-shadow: var(--shadow-md); max-width: 820px; margin: 0 auto;
}
.wizard-q { font-family: var(--font-display); font-size: 1.3rem; color: var(--ink); margin-bottom: 22px; }
.wizard-opts { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.wizard-opt {
  border: 1.5px solid var(--line); background: var(--paper); border-radius: 12px;
  padding: 18px 20px; text-align: left; cursor: pointer; font-family: var(--font-body);
  font-size: 0.97rem; font-weight: 600; color: var(--ink-2); transition: all 0.2s ease;
}
.wizard-opt:hover { border-color: var(--teal); background: var(--teal-tint); color: var(--teal); }
.wizard-back { background: none; border: none; color: var(--muted); font-size: 0.85rem; cursor: pointer; margin-top: 18px; font-family: var(--font-body); }
.wizard-back:hover { color: var(--teal); }
.wizard-result h3 { font-size: 1.35rem; margin-bottom: 10px; }
.wizard-result p { color: var(--muted); margin-bottom: 22px; }
.wizard-result .cta-actions { justify-content: flex-start; }

/* ---------- Calculators ---------- */
.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.calc-card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 38px; box-shadow: var(--shadow-sm);
}
.calc-card h3 { margin-bottom: 20px; }
.calc-fields { display: grid; gap: 16px; }
.calc-results { position: sticky; top: 110px; }
.calc-result-card {
  background: var(--ink); color: #fff; border-radius: var(--radius); padding: 38px;
}
.calc-result-card h3 { color: #fff; margin-bottom: 20px; }
.calc-line { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,0.1); font-size: 0.95rem; }
.calc-line span:first-child { color: #9fb2bd; }
.calc-line strong { color: #fff; font-variant-numeric: tabular-nums; }
.calc-line.total { border-bottom: none; padding-top: 18px; }
.calc-line.total span:first-child { color: var(--gold); font-weight: 600; }
.calc-line.total strong { font-family: var(--font-display); font-size: 1.5rem; color: var(--gold); }
.calc-note { margin-top: 18px; font-size: 0.8rem; color: #6f8494; line-height: 1.6; }
.tool-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; }

/* ---------- Tools promo strip ---------- */
.tools-promo { padding: 56px 0; background: var(--gold-soft); border-top: 1px solid var(--line); }
.tools-promo .container { display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap; }
.tools-promo h2 { font-size: 1.4rem; margin: 4px 0 6px; }
.tools-promo > .container > div:first-child p { color: var(--muted); font-size: 0.92rem; max-width: 40ch; }
.tool-chiplist { display: flex; gap: 10px; flex-wrap: wrap; max-width: 560px; }
.tool-chip {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--white); border: 1.5px solid var(--line); border-radius: 100px;
  padding: 10px 18px; font-size: 0.88rem; font-weight: 600; color: var(--ink-2);
  transition: all 0.2s ease;
}
.tool-chip:hover { border-color: var(--teal); color: var(--teal); transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.tool-chip svg { width: 15px; height: 15px; color: var(--gold); flex-shrink: 0; }

/* ---------- Knowledge base ---------- */
.kb-cat { margin-bottom: 48px; }
.kb-cat h2 { font-size: 1.5rem; margin-bottom: 20px; }
.kb-list { display: grid; gap: 10px; }
.kb-list a {
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  background: var(--white); border: 1px solid var(--line); border-radius: 10px;
  padding: 16px 22px; color: var(--ink-2); font-weight: 500; font-size: 0.97rem;
  transition: all 0.2s ease;
}
.kb-list a:hover { border-color: var(--teal); color: var(--teal); transform: translateX(4px); }
.kb-list a svg { width: 16px; height: 16px; flex-shrink: 0; }

@media (max-width: 1024px) {
  .update-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-layout { grid-template-columns: 1fr; }
  .calc-results { position: static; }
}
@media (max-width: 768px) {
  .update-grid { grid-template-columns: 1fr; }
  .wizard-opts { grid-template-columns: 1fr; }
  .wizard-box { padding: 28px 22px; }
  .tool-grid { grid-template-columns: 1fr; }
}

/* ---------- Values ---------- */
.value-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.value-card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 38px 34px;
}
.value-card .feature-icon { margin-bottom: 20px; }
.value-card h3 { font-size: 1.2rem; margin-bottom: 10px; }
.value-card p { color: var(--muted); font-size: 0.94rem; }

/* ---------- Careers ---------- */
.role-card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 40px 44px; margin-bottom: 26px;
  display: grid; grid-template-columns: 1fr auto; gap: 30px; align-items: start;
}
.role-card h3 { margin-bottom: 6px; }
.role-meta { display: flex; gap: 10px; flex-wrap: wrap; margin: 10px 0 16px; }
.role-meta span {
  font-size: 0.76rem; font-weight: 600; color: var(--teal);
  background: var(--teal-tint); border-radius: 100px; padding: 5px 13px;
}
.role-card p { color: var(--muted); font-size: 0.95rem; }
.role-card .check-list { margin: 16px 0 0; }
.role-card .check-list li { font-size: 0.93rem; }

/* ---------- Contact ---------- */
.contact-layout { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 60px; align-items: start; }
.contact-info-card { display: grid; gap: 10px; }
.contact-line {
  display: flex; gap: 18px; align-items: flex-start;
  background: var(--white); border: 1px solid var(--line);
  border-radius: 12px; padding: 22px 24px;
}
.contact-line svg { width: 21px; height: 21px; color: var(--teal); flex-shrink: 0; margin-top: 3px; }
.contact-line strong { display: block; color: var(--ink); font-size: 0.95rem; margin-bottom: 2px; }
.contact-line p, .contact-line a { color: var(--muted); font-size: 0.93rem; }
.contact-line a:hover { color: var(--teal); }

.form-card {
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 44px;
  box-shadow: var(--shadow-md);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-field { display: grid; gap: 7px; }
.form-field.full { grid-column: 1 / -1; }
.form-field label { font-size: 0.85rem; font-weight: 600; color: var(--ink); }
.form-field input, .form-field textarea, .form-field select {
  font-family: var(--font-body); font-size: 0.95rem; color: var(--ink);
  padding: 13px 16px; border: 1.5px solid var(--line); border-radius: 9px;
  background: var(--paper); outline: none; transition: border-color 0.2s ease;
  width: 100%;
}
.form-field input:focus, .form-field textarea:focus { border-color: var(--teal); background: #fff; }
.form-field textarea { resize: vertical; min-height: 130px; }
.map-embed { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); margin-top: 60px; }
.map-embed iframe { width: 100%; height: 400px; border: 0; display: block; }

/* ---------- Footer ---------- */
.footer { background: var(--ink); color: #9fb2bd; padding: 80px 0 0; font-size: 0.92rem; }
.footer-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 50px;
  padding-bottom: 56px; border-bottom: 1px solid rgba(255,255,255,0.09);
}
.footer-brand .logo { margin-bottom: 22px; gap: 10px; }
.footer-brand .logo img { height: 40px; }
.footer-brand .logo-name { font-size: 1rem; }
.footer-brand .logo-tag { font-size: 0.57rem; }
.logo--light .logo-name { color: #fff; }
.logo--light .logo-tag { color: #d8c186; }
.footer-brand p { max-width: 34ch; font-size: 0.9rem; }
.footer h4 { color: #fff; font-family: var(--font-body); font-size: 0.85rem; letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: 22px; }
.footer-links { list-style: none; display: grid; gap: 12px; }
.footer-links a { color: #9fb2bd; }
.footer-links a:hover { color: var(--gold); }
.footer-contact { display: grid; gap: 14px; }
.footer-contact div { display: flex; gap: 12px; align-items: flex-start; }
.footer-contact svg { width: 16px; height: 16px; color: var(--gold); flex-shrink: 0; margin-top: 4px; }
.footer-contact a { color: #9fb2bd; }
.footer-contact a:hover { color: var(--gold); }
.footer-social { display: flex; gap: 12px; margin-top: 24px; }
.footer-social a {
  width: 38px; height: 38px; border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.18);
  display: flex; align-items: center; justify-content: center;
  transition: all 0.25s ease;
}
.footer-social a:hover { background: var(--gold); border-color: var(--gold); }
.footer-social a:hover svg { color: var(--ink); }
.footer-social svg { width: 16px; height: 16px; color: #cfdae1; }
.footer-bottom {
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  padding: 26px 0; font-size: 0.82rem; color: #6f8494; flex-wrap: wrap;
}
.footer-motto { font-style: italic; }

/* ---------- WhatsApp float ---------- */
.wa-float {
  position: fixed; bottom: 28px; right: 28px; z-index: 90;
  width: 58px; height: 58px; border-radius: 50%;
  background: #25d366; box-shadow: var(--shadow-lg);
  display: flex; align-items: center; justify-content: center;
  transition: transform 0.25s ease;
}
.wa-float:hover { transform: scale(1.08); }
.wa-float svg { width: 30px; height: 30px; color: #fff; }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .hero .container { grid-template-columns: 1fr; padding-top: 80px; padding-bottom: 90px; }
  .hero-panel { max-width: 480px; }
  .svc-layout { grid-template-columns: 1fr; }
  .svc-aside { position: static; }
  .split { grid-template-columns: 1fr; gap: 50px; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .insight-grid { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .cta-band { flex-direction: column; text-align: center; padding: 60px 40px; }
  .topbar .topbar-group:first-child { display: none; }
  .topbar .container { justify-content: center; }
}

@media (max-width: 768px) {
  .section { padding: 68px 0; }
  .nav {
    position: fixed; inset: 0; top: 0;
    background: var(--ink);
    flex-direction: column; justify-content: center; gap: 22px;
    opacity: 0; visibility: hidden; transition: opacity 0.3s ease;
    z-index: 200;
  }
  .nav.open { opacity: 1; visibility: visible; }
  .nav > a, .nav-drop > a { color: #fff; font-size: 1.3rem; font-family: var(--font-display); }
  .nav-drop-menu {
    position: static; opacity: 1; visibility: visible; transform: none;
    background: transparent; border: none; box-shadow: none; text-align: center;
  }
  .nav-drop-menu a { color: #9fb2bd; }
  .nav-drop-menu a span { display: none; }
  .nav-close {
    position: absolute; top: 24px; right: 24px;
    background: none; border: none; cursor: pointer;
  }
  .nav-close svg { width: 30px; height: 30px; color: #fff; }
  .nav-toggle { display: flex; }
  .header-cta .btn { display: none; }
  .svc-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .value-grid { grid-template-columns: 1fr; }
  .profile-row { grid-template-columns: 1fr; padding: 30px; }
  .profile-photo { max-width: 260px; }
  .role-card { grid-template-columns: 1fr; padding: 30px; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 38px; }
  .hero-card + .hero-card, .hero-card + .hero-card + .hero-card { transform: none; }
  .credstrip .container { justify-content: flex-start; }
  .form-card { padding: 30px 24px; }
}