@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;0,700;1,400;1,500&family=DM+Sans:wght@300;400;500;600&display=swap');

:root {
  --clr-bg: #F5F4F1;
  --clr-surface: #FFFFFF;
  --clr-surface-alt: #EFF0EC;
  --clr-navy: #1B2B3A;
  --clr-navy-mid: #2D4156;
  --clr-navy-light: #4A6280;
  --clr-gold: #B8892A;
  --clr-gold-dark: #9A7220;
  --clr-gold-light: #F0E8D6;
  --clr-text: #1B2B3A;
  --clr-muted: #627080;
  --clr-border: #DDE2E8;
  --clr-border-light: #EEF1F4;
  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --shadow-sm: 0 1px 3px rgba(27,43,58,0.06), 0 1px 2px rgba(27,43,58,0.04);
  --shadow-md: 0 4px 16px rgba(27,43,58,0.09), 0 2px 6px rgba(27,43,58,0.05);
  --shadow-lg: 0 12px 40px rgba(27,43,58,0.12), 0 4px 14px rgba(27,43,58,0.07);
  --transition: 0.25s ease;
  --max-width: 1200px;
  --header-height: 72px;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  background-color: var(--clr-bg);
  color: var(--clr-text);
  line-height: 1.65;
  font-weight: 400;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  -webkit-font-smoothing: antialiased;
}

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

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

ul {
  list-style: none;
}

button, input, textarea, select {
  font-family: var(--font-body);
  font-size: inherit;
}

main {
  flex: 1;
}

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.2;
  color: var(--clr-navy);
}

h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.9rem, 4vw, 2.9rem); }
h3 { font-size: clamp(1.4rem, 2.5vw, 1.9rem); }
h4 { font-size: 1.25rem; }

p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

.text-muted { color: var(--clr-muted); }
.text-gold { color: var(--clr-gold); }
.text-center { text-align: center; }

.section-label {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--clr-gold);
  display: block;
  margin-bottom: 0.75rem;
}

.section-intro {
  font-size: 1.1rem;
  color: var(--clr-muted);
  max-width: 640px;
  margin: 1rem auto 0;
  line-height: 1.75;
}

.section-intro.left {
  margin: 1rem 0 0;
}

.divider {
  width: 48px;
  height: 2px;
  background: var(--clr-gold);
  margin: 1.25rem 0;
}

.divider.centered {
  margin: 1.25rem auto;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: var(--radius-md);
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.95rem;
  cursor: pointer;
  transition: all var(--transition);
  border: 2px solid transparent;
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--clr-navy);
  color: #FFFFFF;
  border-color: var(--clr-navy);
}

.btn-primary:hover {
  background: var(--clr-navy-mid);
  border-color: var(--clr-navy-mid);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-secondary {
  background: transparent;
  color: var(--clr-navy);
  border-color: var(--clr-navy);
}

.btn-secondary:hover {
  background: var(--clr-navy);
  color: #FFFFFF;
  transform: translateY(-1px);
}

.btn-gold {
  background: var(--clr-gold);
  color: #FFFFFF;
  border-color: var(--clr-gold);
}

.btn-gold:hover {
  background: var(--clr-gold-dark);
  border-color: var(--clr-gold-dark);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-ghost {
  background: transparent;
  color: var(--clr-muted);
  border-color: var(--clr-border);
}

.btn-ghost:hover {
  background: var(--clr-surface-alt);
  color: var(--clr-navy);
}

.btn i {
  font-size: 1.1em;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--clr-surface);
  border-bottom: 1px solid var(--clr-border);
  height: var(--header-height);
  display: flex;
  align-items: center;
  transition: box-shadow var(--transition);
}

.site-header.scrolled {
  box-shadow: var(--shadow-md);
}

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

.header-brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}

.brand-logo {
  width: 40px;
  height: 40px;
  object-fit: contain;
  flex-shrink: 0;
}

.brand-name {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--clr-navy);
  letter-spacing: -0.01em;
}

.brand-name span {
  color: var(--clr-gold);
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-link {
  padding: 8px 16px;
  border-radius: var(--radius-md);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--clr-muted);
  transition: all var(--transition);
  text-decoration: none;
}

.nav-link:hover {
  color: var(--clr-navy);
  background: var(--clr-bg);
}

.nav-link.active {
  color: var(--clr-navy);
  font-weight: 600;
}

.nav-link.nav-cta {
  background: var(--clr-navy);
  color: #FFFFFF;
  padding: 8px 20px;
  margin-left: 8px;
}

.nav-link.nav-cta:hover {
  background: var(--clr-navy-mid);
  color: #FFFFFF;
}

.mobile-menu-btn {
  display: none;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border: none;
  background: transparent;
  color: var(--clr-navy);
  cursor: pointer;
  border-radius: var(--radius-md);
  transition: background var(--transition);
}

.mobile-menu-btn:hover {
  background: var(--clr-bg);
}

.mobile-menu-btn i {
  font-size: 1.5rem;
}

.mobile-nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 200;
  background: rgba(27,43,58,0.5);
  backdrop-filter: blur(4px);
}

.mobile-nav-panel {
  position: absolute;
  top: 0;
  right: 0;
  width: min(320px, 85vw);
  height: 100%;
  background: var(--clr-surface);
  padding: 24px;
  display: flex;
  flex-direction: column;
  transform: translateX(100%);
  transition: transform 0.3s ease;
}

.mobile-nav-overlay.open {
  display: flex;
}

.mobile-nav-overlay.open .mobile-nav-panel {
  transform: translateX(0);
}

.mobile-nav-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 2rem;
}

.mobile-close-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border: 1px solid var(--clr-border);
  background: transparent;
  border-radius: var(--radius-md);
  cursor: pointer;
  color: var(--clr-navy);
}

.mobile-close-btn i {
  font-size: 1.2rem;
}

.mobile-nav-links {
  display: flex;
  flex-direction: column;
  gap: 4px;
  flex: 1;
}

.mobile-nav-link {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 16px;
  border-radius: var(--radius-md);
  font-weight: 500;
  color: var(--clr-muted);
  transition: all var(--transition);
}

.mobile-nav-link:hover, .mobile-nav-link.active {
  background: var(--clr-bg);
  color: var(--clr-navy);
}

.mobile-nav-link i {
  font-size: 1.1rem;
  color: var(--clr-gold);
}

.mobile-nav-footer {
  border-top: 1px solid var(--clr-border);
  padding-top: 1.5rem;
}

.mobile-nav-footer .btn {
  width: 100%;
  justify-content: center;
}

.site-footer {
  background: var(--clr-navy);
  color: rgba(255,255,255,0.8);
  padding: 4rem 0 0;
  margin-top: auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
}

.footer-brand .brand-logo {
  filter: brightness(0) invert(1);
  opacity: 0.9;
  margin-bottom: 1rem;
}

.footer-brand .brand-name {
  color: #FFFFFF;
  margin-bottom: 1rem;
}

.footer-tagline {
  font-size: 0.9rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.6);
  max-width: 260px;
}

.footer-col-title {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  margin-bottom: 1.25rem;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-link {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.7);
  transition: color var(--transition);
  display: flex;
  align-items: center;
  gap: 8px;
}

.footer-link:hover {
  color: #FFFFFF;
}

.footer-link i {
  font-size: 0.85rem;
  color: var(--clr-gold);
  opacity: 0.8;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1.5rem 0;
}

.footer-bottom-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}

.footer-copyright {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.45);
}

.footer-disclaimer {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.35);
  max-width: 540px;
  line-height: 1.5;
  text-align: right;
}

.hero {
  position: relative;
  background: var(--clr-navy);
  color: #FFFFFF;
  padding: 5rem 0 6rem;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('https://images.unsplash.com/photo-1611974789855-9c2a0a7236a3?w=1600&q=80&auto=format&fit=crop') center/cover no-repeat;
  opacity: 0.12;
}

.hero-pattern {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 20% 50%, rgba(184,137,42,0.08) 0%, transparent 50%), radial-gradient(circle at 80% 20%, rgba(45,65,86,0.4) 0%, transparent 50%);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.hero-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(184,137,42,0.15);
  border: 1px solid rgba(184,137,42,0.3);
  color: #D4A84B;
  padding: 6px 14px;
  border-radius: 100px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.hero-label i {
  font-size: 0.9rem;
}

.hero-title {
  color: #FFFFFF;
  margin-bottom: 1.5rem;
}

.hero-title em {
  font-style: italic;
  color: #D4A84B;
}

.hero-desc {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.75;
  margin-bottom: 2rem;
  max-width: 480px;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

.hero-actions .btn-gold {
  padding: 14px 32px;
  font-size: 1rem;
}

.hero-actions .btn-ghost {
  color: rgba(255,255,255,0.8);
  border-color: rgba(255,255,255,0.3);
}

.hero-actions .btn-ghost:hover {
  background: rgba(255,255,255,0.1);
  color: #FFFFFF;
}

.hero-stats {
  display: flex;
  gap: 2rem;
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.hero-stat-value {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: #D4A84B;
  display: block;
  line-height: 1;
}

.hero-stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  margin-top: 4px;
}

.hero-visual {
  position: relative;
}

.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 2rem;
  backdrop-filter: blur(8px);
}

.hero-card-title {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 1.5rem;
}

.hero-chart-bars {
  display: flex;
  align-items: flex-end;
  gap: 10px;
  height: 120px;
  margin-bottom: 1rem;
}

.chart-bar {
  flex: 1;
  border-radius: var(--radius-sm) var(--radius-sm) 0 0;
  background: rgba(184,137,42,0.3);
  transition: background var(--transition);
  position: relative;
  animation: barRise 1s ease forwards;
  animation-delay: calc(var(--i) * 0.1s);
  opacity: 0;
  transform-origin: bottom;
}

.chart-bar.highlight {
  background: var(--clr-gold);
}

@keyframes barRise {
  from { opacity: 0; transform: scaleY(0); }
  to { opacity: 1; transform: scaleY(1); }
}

.hero-ticker-row {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.hero-ticker {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-md);
  padding: 10px 14px;
}

.ticker-name {
  font-size: 0.85rem;
  font-weight: 600;
  color: rgba(255,255,255,0.9);
}

.ticker-meta {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
}

.ticker-val {
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 600;
  color: #6BCF8F;
}

.ticker-val.red {
  color: #E07070;
}

.page-hero {
  background: var(--clr-navy);
  padding: 3.5rem 0;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 10% 50%, rgba(184,137,42,0.06) 0%, transparent 50%);
}

.page-hero-inner {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

.page-hero-text .breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.45);
  margin-bottom: 0.75rem;
}

.breadcrumb a {
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}

.breadcrumb a:hover {
  color: rgba(255,255,255,0.9);
}

.breadcrumb i {
  font-size: 0.75rem;
}

.page-hero h1 {
  color: #FFFFFF;
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  margin-bottom: 0.75rem;
}

.page-hero p {
  color: rgba(255,255,255,0.65);
  font-size: 1rem;
  max-width: 540px;
  margin: 0;
}

section {
  padding: 5rem 0;
}

.section-alt {
  background: var(--clr-surface);
}

.section-dark {
  background: var(--clr-navy);
  color: #FFFFFF;
}

.section-dark h2,
.section-dark h3 {
  color: #FFFFFF;
}

.section-dark .section-intro {
  color: rgba(255,255,255,0.6);
}

.section-dark .section-label {
  color: #D4A84B;
}

.section-header {
  margin-bottom: 3rem;
}

.section-header.centered {
  text-align: center;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.card {
  background: var(--clr-surface);
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: all var(--transition);
}

.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  border-color: var(--clr-border-light);
}

.card-icon {
  width: 48px;
  height: 48px;
  background: var(--clr-gold-light);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  color: var(--clr-gold);
  font-size: 1.4rem;
}

.card-icon.navy {
  background: rgba(27,43,58,0.08);
  color: var(--clr-navy);
}

.card h3 {
  font-size: 1.3rem;
  margin-bottom: 0.75rem;
}

.card p {
  font-size: 0.95rem;
  color: var(--clr-muted);
  line-height: 1.7;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--clr-gold);
  margin-top: 1.25rem;
  transition: gap var(--transition);
}

.card-link:hover {
  gap: 10px;
}

.card-link i {
  font-size: 0.9rem;
}

.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}

.split-section.reverse {
  direction: rtl;
}

.split-section.reverse > * {
  direction: ltr;
}

.split-img-wrap {
  border-radius: var(--radius-xl);
  overflow: hidden;
  position: relative;
  aspect-ratio: 4/3;
}

.split-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.split-img-wrap:hover img {
  transform: scale(1.03);
}

.split-img-wrap .img-badge {
  position: absolute;
  bottom: 1.5rem;
  left: 1.5rem;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(8px);
  border-radius: var(--radius-md);
  padding: 0.75rem 1rem;
  display: flex;
  align-items: center;
  gap: 10px;
  box-shadow: var(--shadow-md);
}

.img-badge-icon {
  width: 36px;
  height: 36px;
  background: var(--clr-gold-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-gold);
  font-size: 1.1rem;
  flex-shrink: 0;
}

.img-badge-text {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--clr-navy);
  line-height: 1.3;
}

.img-badge-sub {
  font-size: 0.75rem;
  color: var(--clr-muted);
  font-weight: 400;
}

.feature-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin: 1.5rem 0;
}

.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.feature-item i {
  font-size: 1.1rem;
  color: var(--clr-gold);
  flex-shrink: 0;
  margin-top: 2px;
}

.feature-item span {
  font-size: 0.95rem;
  color: var(--clr-muted);
  line-height: 1.6;
}

.info-banner {
  background: var(--clr-gold-light);
  border: 1px solid rgba(184,137,42,0.2);
  border-left: 4px solid var(--clr-gold);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  display: flex;
  gap: 12px;
  margin: 1.5rem 0;
}

.info-banner i {
  font-size: 1.2rem;
  color: var(--clr-gold);
  flex-shrink: 0;
  margin-top: 2px;
}

.info-banner p {
  font-size: 0.9rem;
  color: var(--clr-navy-mid);
  line-height: 1.65;
}

.info-banner strong {
  font-weight: 600;
}

.steps-list {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.step-item {
  display: flex;
  gap: 1.25rem;
}

.step-num {
  width: 40px;
  height: 40px;
  background: var(--clr-navy);
  color: #FFFFFF;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.step-content h4 {
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--clr-navy);
  margin-bottom: 0.4rem;
}

.step-content p {
  font-size: 0.9rem;
  color: var(--clr-muted);
  line-height: 1.65;
  margin: 0;
}

.table-wrap {
  overflow-x: auto;
  border-radius: var(--radius-lg);
  border: 1px solid var(--clr-border);
  margin: 1.5rem 0;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}

.data-table th {
  background: var(--clr-navy);
  color: rgba(255,255,255,0.85);
  padding: 14px 18px;
  text-align: left;
  font-weight: 600;
  font-size: 0.82rem;
  letter-spacing: 0.04em;
  white-space: nowrap;
}

.data-table th:first-child {
  border-radius: var(--radius-md) 0 0 0;
}

.data-table th:last-child {
  border-radius: 0 var(--radius-md) 0 0;
}

.data-table td {
  padding: 13px 18px;
  border-bottom: 1px solid var(--clr-border-light);
  color: var(--clr-text);
  vertical-align: middle;
}

.data-table tr:last-child td {
  border-bottom: none;
}

.data-table tr:hover td {
  background: var(--clr-bg);
}

.data-table .tag {
  display: inline-flex;
  padding: 3px 10px;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 600;
}

.tag-green {
  background: rgba(46,125,82,0.1);
  color: #276749;
}

.tag-amber {
  background: rgba(184,137,42,0.12);
  color: var(--clr-gold-dark);
}

.tag-blue {
  background: rgba(74,98,128,0.1);
  color: var(--clr-navy-light);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 4rem;
  align-items: start;
}

.contact-info-card {
  background: var(--clr-navy);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  color: rgba(255,255,255,0.8);
  position: sticky;
  top: calc(var(--header-height) + 2rem);
}

.contact-info-card h3 {
  color: #FFFFFF;
  margin-bottom: 0.75rem;
  font-size: 1.6rem;
}

.contact-info-card > p {
  color: rgba(255,255,255,0.6);
  font-size: 0.92rem;
  line-height: 1.7;
  margin-bottom: 2rem;
}

.contact-items {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin-bottom: 2rem;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.contact-item-icon {
  width: 40px;
  height: 40px;
  background: rgba(184,137,42,0.15);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #D4A84B;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.contact-item-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  display: block;
  margin-bottom: 3px;
}

.contact-item-value {
  font-size: 0.92rem;
  color: rgba(255,255,255,0.85);
}

.contact-notice {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: 1rem 1.25rem;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.6;
}

.form-card {
  background: var(--clr-surface);
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
}

.form-card h3 {
  margin-bottom: 0.5rem;
}

.form-card > p {
  color: var(--clr-muted);
  font-size: 0.92rem;
  margin-bottom: 2rem;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.form-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--clr-navy);
  margin-bottom: 6px;
}

.form-label .required {
  color: var(--clr-gold);
  margin-left: 3px;
}

.form-control {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-md);
  background: var(--clr-bg);
  color: var(--clr-text);
  font-size: 0.92rem;
  transition: all var(--transition);
  outline: none;
  -webkit-appearance: none;
}

.form-control:focus {
  border-color: var(--clr-navy);
  background: var(--clr-surface);
  box-shadow: 0 0 0 3px rgba(27,43,58,0.06);
}

.form-control::placeholder {
  color: var(--clr-muted);
  opacity: 0.6;
}

textarea.form-control {
  resize: vertical;
  min-height: 130px;
}

select.form-control {
  cursor: pointer;
}

.form-check {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 1.5rem;
}

.form-check input[type="checkbox"] {
  width: 18px;
  height: 18px;
  border: 2px solid var(--clr-border);
  border-radius: 4px;
  margin-top: 2px;
  cursor: pointer;
  flex-shrink: 0;
  accent-color: var(--clr-navy);
}

.form-check label {
  font-size: 0.85rem;
  color: var(--clr-muted);
  line-height: 1.55;
  cursor: pointer;
}

.form-check a {
  color: var(--clr-navy);
  text-decoration: underline;
}

.form-submit .btn {
  width: 100%;
  justify-content: center;
  padding: 14px;
  font-size: 1rem;
}

.form-success {
  display: none;
  text-align: center;
  padding: 2rem;
}

.form-success.visible {
  display: block;
}

.success-icon {
  width: 64px;
  height: 64px;
  background: rgba(46,125,82,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  color: #276749;
  font-size: 2rem;
}

.form-success h3 {
  margin-bottom: 0.5rem;
}

.form-success p {
  color: var(--clr-muted);
  font-size: 0.95rem;
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1px;
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.faq-item {
  background: var(--clr-surface);
}

.faq-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.5rem;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  gap: 1rem;
  transition: background var(--transition);
}

.faq-trigger:hover {
  background: var(--clr-bg);
}

.faq-trigger span {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--clr-navy);
}

.faq-trigger i {
  color: var(--clr-gold);
  font-size: 1.1rem;
  flex-shrink: 0;
  transition: transform var(--transition);
}

.faq-item.open .faq-trigger i {
  transform: rotate(180deg);
}

.faq-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}

.faq-body-inner {
  padding: 0 1.5rem 1.25rem;
  font-size: 0.92rem;
  color: var(--clr-muted);
  line-height: 1.7;
  border-top: 1px solid var(--clr-border-light);
  padding-top: 1rem;
}

.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.team-card {
  background: var(--clr-surface);
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  text-align: center;
}

.team-avatar {
  width: 72px;
  height: 72px;
  background: var(--clr-navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  color: rgba(255,255,255,0.6);
  font-size: 2rem;
}

.team-name {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--clr-navy);
  margin-bottom: 4px;
}

.team-role {
  font-size: 0.82rem;
  color: var(--clr-gold);
  font-weight: 600;
  letter-spacing: 0.04em;
  margin-bottom: 0.75rem;
}

.team-bio {
  font-size: 0.88rem;
  color: var(--clr-muted);
  line-height: 1.65;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
}

.value-item {
  display: flex;
  gap: 1rem;
  padding: 1.5rem;
  background: var(--clr-surface);
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg);
}

.value-icon {
  width: 44px;
  height: 44px;
  background: var(--clr-gold-light);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-gold);
  font-size: 1.3rem;
  flex-shrink: 0;
}

.value-text h4 {
  font-size: 0.95rem;
  font-family: var(--font-body);
  margin-bottom: 0.3rem;
}

.value-text p {
  font-size: 0.85rem;
  color: var(--clr-muted);
  line-height: 1.6;
  margin: 0;
}

.stat-cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.stat-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  text-align: center;
}

.stat-card-value {
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 700;
  color: #D4A84B;
  display: block;
  line-height: 1;
  margin-bottom: 8px;
}

.stat-card-label {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
}

.legal-content {
  max-width: 820px;
  margin: 0 auto;
}

.legal-content h2 {
  font-size: 1.6rem;
  margin-top: 2.5rem;
  margin-bottom: 1rem;
}

.legal-content h3 {
  font-size: 1.2rem;
  margin-top: 1.75rem;
  margin-bottom: 0.75rem;
}

.legal-content p {
  font-size: 0.95rem;
  color: var(--clr-muted);
  line-height: 1.8;
  margin-bottom: 1rem;
}

.legal-content ul {
  list-style: disc;
  padding-left: 1.5rem;
  margin-bottom: 1.25rem;
}

.legal-content ul li {
  font-size: 0.95rem;
  color: var(--clr-muted);
  line-height: 1.75;
  margin-bottom: 0.4rem;
}

.legal-content a {
  color: var(--clr-navy);
  text-decoration: underline;
}

.legal-meta {
  background: var(--clr-gold-light);
  border: 1px solid rgba(184,137,42,0.2);
  border-radius: var(--radius-md);
  padding: 1rem 1.5rem;
  font-size: 0.85rem;
  color: var(--clr-navy-mid);
  margin-bottom: 2rem;
  display: flex;
  align-items: center;
  gap: 10px;
}

.legal-meta i {
  color: var(--clr-gold);
  font-size: 1.1rem;
  flex-shrink: 0;
}

.cookie-consent {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background: var(--clr-navy);
  color: rgba(255,255,255,0.85);
  padding: 1.25rem 0;
  transform: translateY(100%);
  transition: transform 0.4s ease;
  box-shadow: 0 -4px 24px rgba(0,0,0,0.2);
}

.cookie-consent.visible {
  transform: translateY(0);
}

.cookie-inner {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.cookie-icon {
  font-size: 1.5rem;
  color: #D4A84B;
  flex-shrink: 0;
}

.cookie-text {
  flex: 1;
  min-width: 200px;
}

.cookie-text h4 {
  color: #FFFFFF;
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 4px;
}

.cookie-text p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.5;
  margin: 0;
}

.cookie-text a {
  color: #D4A84B;
  text-decoration: underline;
}

.cookie-actions {
  display: flex;
  gap: 10px;
  flex-shrink: 0;
}

.cookie-actions .btn {
  padding: 9px 20px;
  font-size: 0.85rem;
}

.cookie-accept {
  background: var(--clr-gold);
  color: #FFFFFF;
  border: 2px solid var(--clr-gold);
}

.cookie-accept:hover {
  background: var(--clr-gold-dark);
  border-color: var(--clr-gold-dark);
}

.cookie-decline {
  background: transparent;
  color: rgba(255,255,255,0.6);
  border: 2px solid rgba(255,255,255,0.2);
}

.cookie-decline:hover {
  background: rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.9);
}

.cta-section {
  background: var(--clr-navy);
  padding: 5rem 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 50% 50%, rgba(184,137,42,0.08) 0%, transparent 60%);
}

.cta-section > .container {
  position: relative;
  z-index: 2;
}

.cta-section h2 {
  color: #FFFFFF;
  margin-bottom: 1rem;
}

.cta-section p {
  color: rgba(255,255,255,0.6);
  font-size: 1.05rem;
  max-width: 520px;
  margin: 0 auto 2rem;
}

.cta-section .btn-gold {
  padding: 14px 36px;
  font-size: 1rem;
}

.accordion-nav {
  display: flex;
  gap: 8px;
  margin-bottom: 2.5rem;
  flex-wrap: wrap;
}

.acc-tab {
  padding: 8px 18px;
  border-radius: 100px;
  font-size: 0.85rem;
  font-weight: 500;
  cursor: pointer;
  border: 2px solid var(--clr-border);
  background: var(--clr-surface);
  color: var(--clr-muted);
  transition: all var(--transition);
}

.acc-tab:hover {
  border-color: var(--clr-navy);
  color: var(--clr-navy);
}

.acc-tab.active {
  background: var(--clr-navy);
  border-color: var(--clr-navy);
  color: #FFFFFF;
}

.info-section-card {
  background: var(--clr-surface);
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
}

.info-section-card-header {
  background: var(--clr-navy);
  padding: 1.75rem 2rem;
  display: flex;
  align-items: center;
  gap: 1rem;
}

.info-section-card-header i {
  font-size: 1.6rem;
  color: #D4A84B;
}

.info-section-card-header h2 {
  color: #FFFFFF;
  font-size: 1.6rem;
}

.info-section-card-body {
  padding: 2rem;
}

.type-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 1.25rem 0;
}

.type-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  background: var(--clr-bg);
  border: 1px solid var(--clr-border);
  border-radius: 100px;
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--clr-navy-mid);
}

.type-chip i {
  font-size: 0.85rem;
  color: var(--clr-gold);
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: translateY(0); }
}

.animate-up {
  animation: fadeUp 0.5s ease forwards;
}

.animate-up-delay-1 { animation-delay: 0.1s; opacity: 0; }
.animate-up-delay-2 { animation-delay: 0.2s; opacity: 0; }
.animate-up-delay-3 { animation-delay: 0.3s; opacity: 0; }

@media (max-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1.5fr 1fr 1fr;
    gap: 2rem;
  }
  .footer-grid .footer-col:last-child {
    display: none;
  }
  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
  .stat-cards {
    grid-template-columns: repeat(2, 1fr);
  }
  .team-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .site-nav { display: none; }
  .mobile-menu-btn { display: flex; }

  .hero-inner {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
  .hero-visual { display: none; }
  .hero-stats {
    gap: 1.5rem;
    flex-wrap: wrap;
  }

  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  .stat-cards { grid-template-columns: repeat(2, 1fr); }

  .split-section {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .split-section.reverse { direction: ltr; }

  .contact-grid { grid-template-columns: 1fr; }
  .contact-info-card { position: static; }

  .form-row { grid-template-columns: 1fr; }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }
  .footer-grid .footer-col:nth-child(3),
  .footer-grid .footer-col:last-child { display: none; }
  .footer-bottom-inner { flex-direction: column; align-items: flex-start; }
  .footer-disclaimer { text-align: left; }

  .team-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }

  .cookie-inner { flex-direction: column; align-items: flex-start; }
  .cookie-actions { width: 100%; }
  .cookie-actions .btn { flex: 1; justify-content: center; }

  section { padding: 3.5rem 0; }
  .hero { padding: 3.5rem 0 4rem; }
}

@media (max-width: 480px) {
  .stat-cards { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-grid .footer-col:nth-child(3) { display: block; }
}