/*
  Mbalwa Investment Services — Components
*/

/* =========================================================
   Topbar — dark sitewide compliance + contact strip
   ========================================================= */
.fsp-strip {
  background: var(--color-near-black);
  color: var(--color-footer-text);
  font-family: var(--font-ui);
  font-size: var(--size-small);
  font-weight: 500;
  line-height: 1.2;
  min-height: var(--header-topbar-h);
  display: flex;
  align-items: center;
}
.fsp-strip .container {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5em 1.5em;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  min-height: var(--header-topbar-h);
  padding-block: 0.35rem;
}
.fsp-strip .container > span {
  display: inline-flex;
  align-items: center;
  gap: 0;
  white-space: nowrap;
}
.fsp-strip strong { color: var(--color-white); font-weight: 700; }
.fsp-strip a { color: var(--color-champagne); transition: color var(--duration-base) var(--ease-out); }
.fsp-strip .container > span a { color: var(--color-gold); font-weight: 600; }
.fsp-strip a:hover { color: var(--color-white); text-decoration: underline; }
.fsp-strip__contacts {
  display: flex;
  align-items: center;
  gap: 1em;
}
.fsp-strip__contacts a {
  display: inline-flex;
  align-items: center;
  gap: 0.55em;
  color: var(--color-footer-text);
  text-decoration: none;
  font-size: inherit;
  font-weight: 500;
  line-height: 1.2;
}
.fsp-strip__contacts a:hover { color: var(--color-white); }
.fsp-strip__contacts .icon {
  width: 24px;
  height: 24px;
  padding: 5px;
  border-radius: 5px;
  background: var(--color-gold);
  color: var(--color-near-black);
  flex-shrink: 0;
}
.fsp-strip__divider {
  width: 1px;
  height: 18px;
  background: rgba(255, 255, 255, 0.28);
  flex-shrink: 0;
}
@media (max-width: 640px) {
  .fsp-strip__contacts .fsp-strip__divider,
  .fsp-strip__contacts a:last-child { display: none; }
}
/* =========================================================
   Header / primary navigation
   ========================================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: var(--z-header);
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-3);
  height: var(--header-nav-h);
  min-height: var(--header-nav-h);
  padding-block: 1px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 0.65em;
  flex-shrink: 0;
}
.brand img { width: auto; }
.site-header .brand img { height: 76px; }
.footer__brand .brand img { height: 40px; }
.brand-word {
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.15rem;
  color: var(--color-charcoal);
  line-height: 1.1;
}
.brand-word span {
  display: block;
  font-weight: 400;
  font-size: 0.55rem;
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  color: var(--color-gold-deep);
  margin-top: 0.2em;
}

@media (max-width: 480px) {
  .site-header .brand img { height: 64px; }
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 0.5em;
  min-width: 44px;
  min-height: 44px;
  align-items: center;
  justify-content: center;
}
.nav-toggle span {
  width: 22px;
  height: 2px;
  background: var(--color-charcoal);
  border-radius: 2px;
  transition: transform var(--duration-base) var(--ease-out), opacity var(--duration-base) var(--ease-out);
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.primary-nav {
  display: flex;
  align-items: center;
  gap: var(--space-4);
}
.nav-list {
  display: flex;
  align-items: center;
  gap: 1.75rem;
  font-family: var(--font-heading);
  font-size: 16px;
  font-weight: 500;
}
.nav-list > li { position: relative; }
.nav-list > li:not(:last-child)::before {
  content: "";
  position: absolute;
  right: -0.875rem;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 16px;
  background: var(--color-border);
}
.nav-list > li > a,
.nav-list > li > button.nav-link {
  display: inline-flex;
  align-items: center;
  padding: 0.5em 0.1em;
  position: relative;
}
.nav-list > li > a::after,
.nav-list > li > button.nav-link::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 2px;
  background: var(--gradient-gold-fill);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--duration-base) var(--ease-out);
}
.nav-list > li > a:hover::after,
.nav-list > li > a[aria-current="page"]::after,
.nav-list > li.has-dropdown:hover > button.nav-link::after,
.nav-list > li.has-dropdown.is-open > button.nav-link::after {
  transform: scaleX(1);
}
.nav-list > li > a[aria-current="page"] { color: var(--color-gold-deep); }

.nav-caret { width: 9px; height: 9px; margin-left: 0.35em; flex-shrink: 0; }

.nav-dropdown {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translateX(-50%) translateY(6px);
  min-width: 260px;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 0.6em;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--duration-base) var(--ease-out), transform var(--duration-base) var(--ease-out), visibility var(--duration-base);
}
.nav-list > li.has-dropdown:hover .nav-dropdown,
.nav-list > li.has-dropdown.is-open .nav-dropdown,
.nav-dropdown:focus-within {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.nav-dropdown a {
  display: block;
  padding: 0.65em 0.85em;
  border-radius: var(--radius-sm);
  font-size: 16px;
  font-weight: 500;
  color: var(--color-charcoal);
}
.nav-dropdown a:hover { background: var(--color-surface-tint); color: var(--color-gold-deep); }
.nav-dropdown a small { display: block; font-weight: 400; color: var(--color-text-muted); margin-top: 0.15em; }
.nav-dropdown > a:first-child small {
  display: inline-flex;
  align-items: center;
  width: fit-content;
  margin-top: 0.15rem;
  padding: 0.25rem 0.7rem;
  border-radius: var(--radius-pill);
  background: var(--color-near-black);
  color: var(--color-gold);
  font-size: 0.7rem;
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: 0.055em;
  text-transform: uppercase;
}

.nav-cta { flex-shrink: 0; }

@media (max-width: 899px) {
  .nav-toggle { display: inline-flex; }
  .primary-nav {
    position: fixed;
    inset: 0 0 0 auto;
    width: min(360px, 86vw);
    height: 100vh;
    background: var(--color-white);
    flex-direction: column;
    align-items: stretch;
    justify-content: flex-start;
    gap: 0;
    padding: var(--space-4) var(--space-4) var(--space-5);
    transform: translateX(100%);
    transition: transform var(--duration-slow) var(--ease-out);
    overflow-y: auto;
    box-shadow: var(--shadow-lg);
  }
  .primary-nav.is-open { transform: translateX(0); }
  .nav-list {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    font-size: 1rem;
    margin-top: var(--space-5);
  }
  .nav-list > li { border-bottom: 1px solid var(--color-border); }
  .nav-list > li::before { display: none; }
  .nav-list > li > a, .nav-list > li > button.nav-link { padding: 0.9em 0.1em; width: 100%; justify-content: space-between; }
  .nav-dropdown {
    position: static;
    transform: none;
    opacity: 1;
    visibility: visible;
    box-shadow: none;
    border: none;
    display: none;
    padding: 0 0 0.5em 0.5em;
    min-width: 0;
  }
  .nav-list > li.is-open .nav-dropdown { display: block; }
  .nav-list > li.has-dropdown.is-open .nav-dropdown,
  .nav-list > li.has-dropdown:hover .nav-dropdown { transform: none; }
  .nav-list > li.has-dropdown .nav-caret { transition: transform var(--duration-base) var(--ease-out); }
  .nav-list > li.is-open .nav-caret { transform: rotate(180deg); }
  .nav-cta { margin-top: var(--space-4); }
  .nav-cta .btn { width: 100%; }
}

.nav-scrim {
  position: fixed;
  inset: 0;
  background: rgba(31,31,30,0.45);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--duration-base) var(--ease-out), visibility var(--duration-base);
  z-index: calc(var(--z-header) - 1);
}
.nav-scrim.is-visible { opacity: 1; visibility: visible; }

/* =========================================================
   Buttons
   ========================================================= */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6em;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.85em 1.6em;
  border-radius: var(--radius-sm);
  min-height: 44px;
  transition: transform var(--duration-fast) var(--ease-out), box-shadow var(--duration-base) var(--ease-out), background var(--duration-base) var(--ease-out);
  white-space: nowrap;
}
.btn:active { transform: scale(0.98); }

.btn--primary {
  background: var(--color-near-black);
  background-image: none;
  color: var(--color-gold);
  box-shadow: var(--shadow-sm);
}
.btn--primary:hover { box-shadow: 0 12px 32px rgba(156,112,7,0.28); }

.btn--secondary {
  background: var(--color-charcoal);
  color: var(--color-white);
}
.btn--secondary:hover { background: var(--color-near-black); }

.btn--tertiary {
  background: transparent;
  color: var(--color-charcoal);
  border: 1.5px solid var(--color-charcoal);
}
.btn--tertiary:hover { background: var(--color-charcoal); color: var(--color-white); }

.btn--ghost-light {
  background: transparent;
  color: var(--color-white);
  border: 1.5px solid rgba(255,255,255,0.5);
}
.btn--ghost-light:hover { background: rgba(255,255,255,0.12); border-color: var(--color-white); }

.btn--sm { padding: 0.6em 1.2em; font-size: 0.85rem; min-height: 38px; }
.btn--block { width: 100%; }

/* =========================================================
   Bar-emblem motif — recurring brand device (7 bars)
   ========================================================= */
.bar-emblem {
  display: inline-flex;
  align-items: flex-end;
  gap: 3px;
  height: 22px;
}
.bar-emblem span {
  display: block;
  width: 4px;
  background: var(--gradient-gold-fill);
  border-radius: 1px;
}
.bar-emblem span:nth-child(1) { height: 40%; }
.bar-emblem span:nth-child(2) { height: 62%; }
.bar-emblem span:nth-child(3) { height: 82%; }
.bar-emblem span:nth-child(4) { height: 100%; }
.bar-emblem span:nth-child(5) { height: 82%; }
.bar-emblem span:nth-child(6) { height: 62%; }
.bar-emblem span:nth-child(7) { height: 40%; }

.divider-bars {
  display: flex;
  align-items: flex-end;
  gap: 5px;
  height: 34px;
  margin-block: var(--space-2);
}
.divider-bars span {
  width: 6px;
  background: var(--gradient-gold-fill);
  border-radius: 2px;
  opacity: 0.85;
}
.divider-bars span:nth-child(1) { height: 35%; }
.divider-bars span:nth-child(2) { height: 55%; }
.divider-bars span:nth-child(3) { height: 75%; }
.divider-bars span:nth-child(4) { height: 100%; }
.divider-bars span:nth-child(5) { height: 75%; }
.divider-bars span:nth-child(6) { height: 55%; }
.divider-bars span:nth-child(7) { height: 35%; }

.rule-gold {
  height: 2px;
  width: 64px;
  background: var(--gradient-gold-fill);
  border: none;
  border-radius: 2px;
}

/* =========================================================
   Breadcrumbs
   ========================================================= */
.breadcrumbs {
  font-family: var(--font-ui);
  font-size: 0.9rem;
  color: var(--color-text-muted);
  padding-block: 14px;
}
.breadcrumb-bar {
  width: 100%;
  background: var(--color-white);
  border-bottom: 1px solid var(--color-border);
  box-shadow: 0 8px 22px rgba(53,53,53,0.04);
}
.breadcrumbs ol {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.35rem;
  min-height: 36px;
}
.breadcrumbs a {
  display: inline-flex;
  align-items: center;
  min-height: 36px;
  color: var(--color-text-muted);
}
.breadcrumbs a:hover { color: var(--color-gold-deep); text-decoration: underline; }
.breadcrumbs li { display: inline-flex; align-items: center; }
.breadcrumbs li:not(:last-child)::after {
  content: "/";
  margin-left: 0.35rem;
  color: var(--color-gold-antique);
  opacity: 0.7;
}
.breadcrumbs li[aria-current="page"] { color: var(--color-charcoal); font-weight: 500; }
.breadcrumbs .icon { width: 15px !important; height: 15px !important; }

@media (max-width: 640px) {
  .breadcrumbs {
    overflow-x: auto;
    padding-block: 10px;
    scrollbar-width: none;
  }
  .breadcrumbs::-webkit-scrollbar { display: none; }
  .breadcrumbs ol { flex-wrap: nowrap; width: max-content; }
}

/* Dark numbered process sections */
.process-section--dark {
  background: var(--color-near-black);
  color: var(--color-white);
  padding-block: clamp(96px, 8vw, 120px);
}
.process-section--dark h2,
.process-section--dark h3,
.process-section--dark h4 { color: var(--color-white); }
.process-section--dark .eyebrow { color: var(--color-gold); }
.process-section--dark .ledger { border-top-color: rgba(255,255,255,0.16); }
.process-section--dark .ledger__item { border-bottom-color: rgba(255,255,255,0.16); }
.process-section--dark .ledger__item p { color: rgba(255,255,255,0.7); }
.process-section--dark .ledger__num {
  border-color: var(--color-gold);
  background: transparent;
  -webkit-background-clip: border-box;
  background-clip: border-box;
  color: var(--color-gold);
  box-shadow: none;
}
.process-section--dark .ledger__item:not(:last-child)::after {
  background: rgba(226,189,87,0.3);
}

@media (max-width: 720px) {
  .process-section--dark { padding-block: 80px; }
}

/* =========================================================
   Hero
   ========================================================= */
.hero {
  padding-block: var(--space-6) var(--space-7);
  position: relative;
  overflow: hidden;
}
.hero__grid {
  display: grid;
  gap: var(--space-5);
  align-items: center;
}
@media (min-width: 960px) {
  .hero__grid { grid-template-columns: 1.05fr 0.95fr; gap: var(--space-6); }
}
.hero__watermark {
  position: absolute;
  top: -10%;
  right: -8%;
  width: 46vw;
  max-width: 620px;
  opacity: 0.06;
  pointer-events: none;
  z-index: 0;
}
.hero h1 { margin-top: 0.5em; }
.hero p.lead { margin-top: var(--space-3); }
.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2);
  margin-top: var(--space-4);
}
.hero__meta {
  margin-top: var(--space-4);
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
  font-size: var(--size-small);
  color: var(--color-text-muted);
}
.hero__meta strong { color: var(--color-charcoal); }
.hero__media { position: relative; z-index: 1; }
.hero__media img {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}
.hero__media-caption {
  position: absolute;
  left: var(--space-3);
  bottom: calc(-1 * var(--space-3));
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 0.9em 1.2em;
  box-shadow: var(--shadow-md);
  max-width: 260px;
  font-size: var(--size-small);
}

/* =========================================================
   Credibility strip
   ========================================================= */
.credibility {
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
  padding-block: var(--space-4);
}
.credibility__list {
  display: grid;
  gap: var(--space-3);
  grid-template-columns: repeat(2, 1fr);
}
@media (min-width: 720px) { .credibility__list { grid-template-columns: repeat(5, 1fr); } }
.credibility__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.6em;
  text-align: center;
  font-size: var(--size-small);
  font-weight: 500;
  color: var(--color-charcoal);
}
.credibility__item svg { width: 26px; height: 26px; color: var(--color-gold-deep); }

/* =========================================================
   Split grid — reusable two-column split-content sections
   ========================================================= */
.split-grid {
  display: grid;
  gap: var(--space-5);
  align-items: center;
}
@media (min-width: 860px) {
  .split-grid { grid-template-columns: 1fr 1fr; gap: var(--space-6); }
  .split-grid--30-70 { grid-template-columns: 0.7fr 1fr; }
  .split-grid--70-30 { grid-template-columns: 1fr 0.7fr; }
  .split-grid--reverse { direction: rtl; }
  .split-grid--reverse > * { direction: ltr; }
}
.split-grid__media { position: relative; }
.split-grid__media img {
  width: 100%;
  height: auto;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}
.split-grid__media--framed {
  padding-top: 18px;
  padding-left: 18px;
}
.split-grid__media--framed::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: calc(100% - 18px);
  height: calc(100% - 18px);
  border: 2px solid var(--color-gold-deep);
  border-radius: var(--radius-lg);
  z-index: 0;
}
.split-grid__media--framed img { position: relative; z-index: 1; }
.split-grid__badge {
  position: absolute;
  z-index: 2;
  bottom: var(--space-2);
  left: var(--space-2);
  background: var(--color-gold-deep);
  color: var(--color-white);
  padding: 0.6em 1.1em;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: var(--tracking-eyebrow);
  border-radius: var(--radius-sm);
}
.split-grid__tags { display: flex; flex-wrap: wrap; gap: 0.6em; margin-top: var(--space-3); }
.split-grid__tags span {
  border: 1px solid var(--color-border);
  border-radius: 999px;
  padding: 0.5em 1em;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--color-text-muted);
}

/* =========================================================
   Icon (inline SVG wrapper)
   ========================================================= */
.icon { width: 24px; height: 24px; stroke: currentColor; fill: none; stroke-width: 1.6; flex-shrink: 0; }
.icon-tile {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px; height: 52px;
  border-radius: var(--radius-md);
  background: var(--color-near-black);
  color: var(--color-gold);
  flex-shrink: 0;
}
.icon-tile .icon { width: 26px; height: 26px; }

/* =========================================================
   Cards — services / spokes / life stages
   ========================================================= */
.card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  transition: transform var(--duration-base) var(--ease-out), box-shadow var(--duration-base) var(--ease-out), border-color var(--duration-base) var(--ease-out);
}
a.card:hover, .card.is-interactive:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-gold-antique);
}
.card__head { display: flex; align-items: flex-start; gap: var(--space-2); justify-content: space-between; }
.card h3 { margin-top: var(--space-3); }
.card p { margin-top: 0.6em; color: var(--color-text-muted); }
.card__link {
  display: inline-flex;
  align-items: center;
  gap: 0.4em;
  margin-top: var(--space-2);
  padding: 0.55em 1.1em;
  border-radius: var(--radius-pill);
  background: var(--color-near-black);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.875rem;
  color: var(--color-gold);
  transition: background var(--duration-fast) var(--ease-out);
}
.card__link .icon { width: 16px; height: 16px; color: currentColor; transition: transform var(--duration-fast) var(--ease-out); }
a.card:hover .card__link { background: var(--color-charcoal); }
a.card:hover .card__link .icon { transform: translateX(3px); }

/* Corner-bracket hover accent — opt-in via .card--bracket */
.card--bracket {
  position: relative;
  border-radius: var(--radius-md);
  overflow: hidden;
}
.card--bracket::before,
.card--bracket::after {
  content: "";
  position: absolute;
  width: 18px;
  height: 18px;
  z-index: 2;
  pointer-events: none;
  transition: width var(--duration-base) var(--ease-out), height var(--duration-base) var(--ease-out),
    top var(--duration-base) var(--ease-out), left var(--duration-base) var(--ease-out),
    right var(--duration-base) var(--ease-out), bottom var(--duration-base) var(--ease-out),
    border-color var(--duration-base) var(--ease-out);
}
.card--bracket::before {
  top: 10px; left: 10px;
  border-top: 2px solid transparent;
  border-left: 2px solid transparent;
}
.card--bracket::after {
  bottom: 10px; right: 10px;
  border-bottom: 2px solid transparent;
  border-right: 2px solid transparent;
}
a.card--bracket:hover::before,
.card--bracket.is-interactive:hover::before {
  top: 6px; left: 6px; width: 24px; height: 24px;
  border-color: var(--color-gold-deep);
}
a.card--bracket:hover::after,
.card--bracket.is-interactive:hover::after {
  bottom: 6px; right: 6px; width: 24px; height: 24px;
  border-color: var(--color-gold-deep);
}

.pillar-card {
  background: var(--color-near-black);
  color: var(--color-white);
  border: 1px solid rgba(226,189,87,0.35);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  position: relative;
  overflow: hidden;
}
.pillar-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: var(--gradient-gold-fill);
}
.pillar-card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  border: 1px solid rgba(255,255,255,0.18);
  background: rgba(255,255,255,0.06);
}
.pillar-card__icon .icon { width: 22px; height: 22px; }
.pillar-card--gold .pillar-card__icon {
  border-color: rgba(31,31,30,0.18);
  background: rgba(31,31,30,0.06);
}
.pillar-card h3 {
  color: var(--color-white);
  font-size: var(--size-h2);
  line-height: 1.02;
  margin-top: var(--space-2);
}
.pillar-card p { color: rgba(255,255,255,0.78); margin-top: 0.6rem; }
.pillar-card ul { margin-top: var(--space-2); }
.pillar-card ul li {
  display: flex;
  align-items: center;
  gap: 0.6em;
  padding-block: 0.3em;
  font-size: 0.92rem;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.pillar-card ul li:first-child { border-top: none; }
.pillar-card ul li .icon { width: 16px; height: 16px; color: var(--color-gold); flex-shrink: 0; }
.pillar-card .btn { margin-top: var(--space-3); }
.pillar-card--gold {
  background: var(--color-gold);
  color: var(--color-near-black);
  border-color: rgba(31,31,30,0.35);
}
.pillar-card--gold::before { background: var(--color-near-black); }
.pillar-card--gold h3 { color: var(--color-near-black); }
.pillar-card--gold p { color: rgba(20,20,19,0.78); }
.pillar-card--gold ul li { border-top-color: rgba(20,20,19,0.18); }
.pillar-card--gold ul li .icon { color: var(--color-near-black); }
.pillar-card--gold .btn--primary {
  background: var(--color-near-black);
  color: var(--color-gold);
}
.pillar-card--gold .btn--primary:hover {
  background: var(--color-charcoal);
  color: var(--color-white);
}

/* =========================================================
   Index card — dark card with a giant faded index number
   ========================================================= */
.index-card {
  position: relative;
  overflow: hidden;
  background: var(--color-near-black);
  border-radius: var(--radius-md);
  padding: var(--space-5) var(--space-4) var(--space-4);
  transition: transform var(--duration-base) var(--ease-out), box-shadow var(--duration-base) var(--ease-out);
}
.index-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.index-card__index {
  position: absolute;
  top: var(--space-2);
  right: 0.1em;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 5.5rem;
  line-height: 1;
  color: rgba(255, 255, 255, 0.06);
  z-index: 0;
  transition: color var(--duration-base) var(--ease-out);
}
.index-card:hover .index-card__index { color: rgba(255, 255, 255, 0.1); }
.index-card__icon {
  position: relative;
  z-index: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 50%;
  margin-bottom: var(--space-3);
  color: var(--color-gold);
  transition: border-color var(--duration-base) var(--ease-out), background var(--duration-base) var(--ease-out);
}
.index-card:hover .index-card__icon { border-color: rgba(255, 255, 255, 0.5); background: rgba(255, 255, 255, 0.06); }
.index-card__icon .icon { width: 20px; height: 20px; }
.index-card h4, .index-card h3 {
  position: relative;
  z-index: 1;
  color: var(--color-white);
  margin-bottom: 0.5em;
}
.index-card p {
  position: relative;
  z-index: 1;
  color: rgba(255, 255, 255, 0.68);
  margin: 0;
  font-size: 0.92rem;
}

/* =========================================================
   Ledger list — numbered process steps (editorial, not generic icon-circle grid)
   ========================================================= */
.ledger { border-top: 1px solid var(--color-border); }
.ledger__item {
  display: grid;
  grid-template-columns: 3rem 1fr;
  gap: var(--space-3);
  padding-block: var(--space-3);
  border-bottom: 1px solid var(--color-border);
}
.ledger__num {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 600;
  background: var(--gradient-gold-text);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.ledger__item h4 { margin-bottom: 0.35em; }
.ledger__item p { color: var(--color-text-muted); margin: 0; }

/* =========================================================
   Life-stage / feature list rows
   ========================================================= */
.feature-row {
  display: flex;
  gap: var(--space-3);
  padding-block: var(--space-3);
  border-bottom: 1px solid var(--color-border);
}
.feature-row:first-child { border-top: 1px solid var(--color-border); }
.feature-row h4 { margin-bottom: 0.3em; }
.feature-row p { margin: 0; color: var(--color-text-muted); }

/* Preservation-fund overview: information flanking a 4:3 advisory image. */
.preservation-overview {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 0.9fr) minmax(0, 1fr);
  gap: clamp(1.25rem, 2.5vw, 2.25rem);
  align-items: center;
  margin-top: var(--space-4);
}
.preservation-overview__column {
  display: grid;
  grid-template-rows: repeat(2, minmax(0, 1fr));
  align-self: stretch;
}
.preservation-overview .feature-row {
  display: flex;
  align-items: center;
  padding: clamp(1.25rem, 2.2vw, 1.8rem) 0;
  border-top: 0;
  border-bottom: 0;
}
.preservation-overview__column .feature-row + .feature-row {
  border-top: 1px solid var(--color-border);
}
.preservation-overview__media {
  position: relative;
  z-index: 1;
  aspect-ratio: 4 / 3;
  overflow: hidden;
  border: 0;
  border-radius: var(--radius-lg);
  background: var(--color-warm-grey);
  box-shadow: none;
  transform: scale(1.07);
}
.preservation-overview__media::after {
  content: "";
  position: absolute;
  inset: 10px;
  border: 1px solid rgba(255,255,255,0.5);
  border-radius: calc(var(--radius-lg) - 4px);
  pointer-events: none;
}
.preservation-overview__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}
@media (max-width: 920px) {
  .preservation-overview { grid-template-columns: 1fr; }
  .preservation-overview__media {
    width: min(100%, 680px);
    margin-inline: auto;
    transform: none;
  }
}
.employer-options-grid { gap: 8px; }

/* =========================================================
   Concept grid — icon-led definition cards + risk callout
   ========================================================= */
.concept-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.75rem;
}
.concept-grid--3 { grid-template-columns: repeat(3, 1fr); }
.concept-card {
  position: relative;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-3);
  overflow: hidden;
  transition: transform var(--duration-base) var(--ease-out), box-shadow var(--duration-base) var(--ease-out), border-color var(--duration-base) var(--ease-out);
}
.concept-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 3px;
  background: var(--gradient-gold-fill);
}
.concept-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-gold-antique);
}
.concept-card--dark::before { background: var(--color-near-black); }
.concept-card--dark:hover { border-color: var(--color-near-black); }
.concept-card .icon-tile { width: 44px; height: 44px; margin-bottom: 0.85rem; }
.concept-card .icon-tile .icon { width: 22px; height: 22px; }
.concept-card h4 { margin-bottom: 0.35em; }
.concept-card p { margin: 0; color: var(--color-text-muted); font-size: 0.92rem; }
.concept-notice {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  margin-top: 0.75rem;
  padding: var(--space-3);
  border: 1px solid var(--color-border);
  border-left: 3px solid var(--color-gold-deep);
  border-radius: var(--radius-md);
  background: var(--color-surface-tint);
}
.concept-notice .icon { color: var(--color-gold-deep); width: 22px; height: 22px; margin-top: 0.15em; flex-shrink: 0; }
.concept-notice h4 { margin-bottom: 0.3em; color: var(--color-charcoal); }
.concept-notice p { margin: 0; color: var(--color-text-muted); }
@media (max-width: 900px) {
  .concept-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .concept-grid { grid-template-columns: 1fr; }
}

/* =========================================================
   Badge card — bordered box, icon tile overlapping the corner
   ========================================================= */
.badge-card {
  position: relative;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  padding-top: 38px;
  background: var(--color-white);
  transition: border-color var(--duration-base) var(--ease-out);
}
.badge-card:hover { border-color: var(--color-gold-antique); }
.badge-card .icon-tile {
  position: absolute;
  top: -26px;
  left: var(--space-4);
  z-index: 1;
}
.badge-card h4 { margin-bottom: 0.3em; }
.badge-card p { margin: 0; color: var(--color-text-muted); font-size: 0.92rem; }

/* =========================================================
   Process grid — numbered steps, no icons
   ========================================================= */
.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-5) var(--space-3);
}
.process-step {
  display: flex;
  align-items: flex-start;
  gap: var(--space-2);
  padding-left: var(--space-3);
  border-left: 2px solid var(--color-border);
  transition: border-color var(--duration-base) var(--ease-out);
}
.process-step:hover { border-left-color: var(--color-gold-deep); }
.process-step__num {
  flex-shrink: 0;
  font-family: var(--font-heading);
  font-size: 3.25rem;
  font-weight: 700;
  line-height: 1;
  color: transparent;
  -webkit-text-stroke: 1.5px var(--color-gold-deep);
  text-stroke: 1.5px var(--color-gold-deep);
  paint-order: stroke fill;
}
.process-step h4 { margin-top: 0; }
.process-step p { margin-top: 0.3em; color: var(--color-text-muted); font-size: 0.92rem; }
.process-grid--black .process-step { border-left-color: var(--color-gold-deep); }

/* Chip variant — compact pill with a small solid number badge */
.process-chips {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
}
.process-chip {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 0.75em;
  padding: 0.7em 1.2em 0.7em 0.7em;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-pill);
  background: var(--color-white);
  transition: border-color var(--duration-base) var(--ease-out), box-shadow var(--duration-base) var(--ease-out), transform var(--duration-base) var(--ease-out);
}
.process-chip:not(:last-child)::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 100%;
  width: var(--space-3);
  height: 1px;
  background: var(--color-gold-deep);
  opacity: 0.45;
  transform: translateY(-50%);
}
.process-chip:hover {
  border-color: var(--color-gold-antique);
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px);
}
.process-chip__num {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--color-near-black);
  color: var(--color-gold);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.78rem;
}
.process-chip h4 { margin: 0; font-size: 0.95rem; white-space: nowrap; }
@media (max-width: 640px) {
  .process-chip h4 { white-space: normal; }
}
.process-grid--black .process-step:hover { border-left-color: var(--color-near-black); }
.process-grid--black .process-step h4 { color: var(--color-gold-deep); }
.process-grid--black .process-step__num {
  -webkit-text-stroke-color: var(--color-near-black);
  text-stroke-color: var(--color-near-black);
}
@media (max-width: 900px) {
  .process-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .process-grid { grid-template-columns: 1fr; }
}

/* =========================================================
   Section head — split heading + caption with a soft divider
   ========================================================= */
.section-head--split {
  display: grid;
  grid-template-columns: 1.2fr auto 1fr;
  align-items: center;
  gap: var(--space-4);
  max-width: none;
}
.section-head--split__divider {
  width: 1px;
  align-self: stretch;
  background: linear-gradient(180deg, transparent, var(--color-border) 15%, var(--color-border) 85%, transparent);
}
.section-head--split p:not(.eyebrow) {
  margin-top: 0;
  color: var(--color-text-muted);
}
@media (max-width: 900px) {
  .section-head--split {
    grid-template-columns: 1fr;
    gap: var(--space-2);
  }
  .section-head--split__divider { display: none; }
}

/* =========================================================
   Stat row
   ========================================================= */
.stat-row {
  display: grid;
  gap: var(--space-4);
  grid-template-columns: repeat(2, 1fr);
}
@media (min-width: 720px) { .stat-row { grid-template-columns: repeat(3, 1fr); } }
.stat {
  border-left: 2px solid var(--color-gold-deep);
  padding-left: var(--space-2);
}
.stat__value {
  display: block;
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 1.6rem + 1vw, 2.4rem);
  font-weight: 600;
  color: var(--color-charcoal);
}
.stat__label { font-size: var(--size-small); color: var(--color-text-muted); }

/* =========================================================
   Comparison table
   ========================================================= */
.table-wrap { overflow-x: auto; border: 1px solid var(--color-border); border-radius: var(--radius-lg); }
.compare-table { min-width: 640px; }
.compare-table th, .compare-table td {
  text-align: left;
  padding: 1em 1.25em;
  border-bottom: 1px solid var(--color-border);
  font-size: 0.92rem;
}
.compare-table thead th {
  font-family: var(--font-heading);
  background: var(--color-surface-tint);
  font-weight: 600;
  color: var(--color-charcoal);
}
.compare-table tbody tr:last-child th, .compare-table tbody tr:last-child td { border-bottom: none; }
.compare-table tbody th { font-weight: 500; white-space: nowrap; }
.compare-table td { color: var(--color-text-muted); }

/* =========================================================
   Notice / disclaimer box
   ========================================================= */
.notice {
  display: flex;
  gap: var(--space-2);
  padding: var(--space-3);
  border: 1px solid var(--color-border);
  border-left: 3px solid var(--color-gold-deep);
  border-radius: var(--radius-md);
  background: var(--color-surface-tint);
  font-size: 0.92rem;
  color: var(--color-charcoal);
}
.notice .icon { color: var(--color-gold-deep); width: 20px; height: 20px; margin-top: 0.15em; }
.notice p { margin: 0; color: inherit; }
.notice strong { display: block; margin-bottom: 0.25em; }

/* =========================================================
   FAQ accordion
   ========================================================= */
.faq { border-top: 1px solid var(--color-border); }
.faq-item { border-bottom: 1px solid var(--color-border); }
.faq-item__q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-2);
  padding-block: 1.15em;
  text-align: left;
  font-family: var(--font-heading);
  font-weight: 500;
  font-size: 1rem;
  color: var(--color-charcoal);
}
.faq-item__q .icon {
  width: 18px; height: 18px;
  color: var(--color-gold-deep);
  transition: transform var(--duration-base) var(--ease-out);
  flex-shrink: 0;
}
.faq-item[data-open="true"] .faq-item__q .icon { transform: rotate(45deg); }
.faq-item__a {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows var(--duration-base) var(--ease-out);
}
.faq-item[data-open="true"] .faq-item__a { grid-template-rows: 1fr; }
.faq-item__a-inner { overflow: hidden; }
.faq-item__a p { padding-bottom: 1.15em; color: var(--color-text-muted); margin: 0; max-width: none; }
.faq--2col { column-count: 2; column-gap: var(--space-5); border-top: none; }
.faq--2col .faq-item { break-inside: avoid; border-top: 1px solid var(--color-border); border-bottom: none; }
.faq--2col.faq--tight .faq-item__q { font-size: 1.15rem; }
.faq--2col.faq--tight .faq-item__q span { white-space: nowrap; }

/* =========================================================
   Adviser card + review byline
   ========================================================= */
.adviser-card {
  display: flex;
  gap: var(--space-3);
  align-items: flex-start;
}
.adviser-card img {
  width: 84px; height: 84px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
}
.adviser-card h4 { margin-bottom: 0.15em; }
.adviser-card .role { color: var(--color-gold-deep); font-size: 0.85rem; font-weight: 600; }
.adviser-card p { color: var(--color-text-muted); font-size: 0.92rem; margin-top: 0.4em; }

.review-byline {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2) var(--space-4);
  align-items: center;
  padding: var(--space-3);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-surface-tint);
  font-size: 0.88rem;
  color: var(--color-text-muted);
}
.review-byline img { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; }

.avatar-initials {
  width: 84px; height: 84px;
  border-radius: 50%;
  background: var(--color-near-black);
  color: var(--color-gold);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.4rem;
  flex-shrink: 0;
}
.avatar-initials--sm { width: 44px; height: 44px; font-size: 0.95rem; }
.review-byline strong { color: var(--color-charcoal); }
.review-byline a { color: var(--color-gold-deep); font-weight: 600; }

/* =========================================================
   CTA banner
   ========================================================= */
.cta-banner {
  border-radius: var(--radius-lg);
  background: var(--color-near-black);
  color: var(--color-white);
  padding: var(--space-6) var(--space-5);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::after {
  content: "";
  position: absolute;
  inset: auto -10% -60% auto;
  width: 60%;
  aspect-ratio: 1;
  background: radial-gradient(circle, rgba(226,189,87,0.16), transparent 70%);
  pointer-events: none;
}
.cta-banner h2 { color: var(--color-white); max-width: 26ch; margin-inline: auto; }
.cta-banner p { color: rgba(255,255,255,0.78); max-width: 52ch; margin: var(--space-2) auto 0; }
.cta-banner__actions {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: var(--space-2);
  margin-top: var(--space-4);
  position: relative;
}

/* =========================================================
   Footer
   ========================================================= */
.site-footer { background: var(--color-footer-bg); color: var(--color-footer-text); }
.footer__top {
  padding-block: var(--space-6);
  display: grid;
  gap: var(--space-5);
  grid-template-columns: 1.15fr 1fr 1fr 0.9fr;
}
@media (max-width: 860px) {
  .footer__top { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 540px) {
  .footer__top { grid-template-columns: 1fr; }
}
.footer__top > div { position: relative; padding-left: var(--space-4); }
.footer__top > div:first-child { padding-left: 0; }
.footer__top > div:not(:first-child)::before {
  content: "";
  position: absolute;
  left: calc(-1 * var(--space-5) / 2);
  top: 0.2em;
  bottom: 0.2em;
  width: 1px;
  background: linear-gradient(to bottom, transparent, var(--color-footer-border) 15%, var(--color-footer-border) 85%, transparent);
}
@media (max-width: 860px) {
  .footer__top > div { padding-left: 0; }
  .footer__top > div::before { display: none; }
}
.footer__brand p { color: var(--color-footer-text); margin-top: var(--space-2); font-size: 0.92rem; max-width: 30ch; }
.footer__social { display: flex; gap: 0.6em; margin-top: var(--space-3); }
.footer__social a {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px;
  border: 1.5px solid var(--color-footer-accent-border);
  border-radius: 50%;
  color: var(--color-charcoal);
  transition: background var(--duration-base) var(--ease-out), border-color var(--duration-base) var(--ease-out);
}
.footer__social a:hover { background: var(--color-charcoal); border-color: var(--color-charcoal); color: var(--color-white); }
.footer__social .icon { width: 16px; height: 16px; }

.footer-col h4 {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--color-footer-heading);
  margin-bottom: var(--space-3);
}
.footer-col ul { line-height: 1.35; }
.footer-col ul > li + li { margin-top: 0.2em; }
.footer-col a { color: var(--color-footer-text); font-size: 0.92rem; transition: color var(--duration-base) var(--ease-out); }
.footer-col a:hover { color: var(--color-gold); text-decoration: underline; }

.footer__bottom {
  border-top: 1px solid var(--color-footer-border);
  padding-block: var(--space-3);
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2);
  justify-content: space-between;
  align-items: center;
  font-size: var(--size-small);
  color: var(--color-footer-text-muted);
}
.footer__legal-links { display: flex; flex-wrap: wrap; gap: 0.4em 1.2em; }
.footer__legal-links a { position: relative; color: var(--color-footer-text); }
.footer__legal-links a:hover { color: var(--color-gold-deep); text-decoration: underline; }
.footer__legal-links a:not(:last-child)::after {
  content: "";
  position: absolute;
  right: -0.65em;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 14px;
  background: var(--color-footer-accent-border);
}
.footer__disclosure {
  padding-block: var(--space-4);
  border-top: 1px solid var(--color-footer-border);
  font-size: var(--size-small);
  color: var(--color-footer-text-muted);
  max-width: 84ch;
}
.footer__disclosure a { color: var(--color-gold-deep); }
.footer__disclosure a:hover { color: var(--color-charcoal); }

/* =========================================================
   Forms
   ========================================================= */
.form-grid { display: grid; gap: var(--space-3); }
@media (min-width: 640px) { .form-grid--2 { grid-template-columns: 1fr 1fr; } }
.field { display: flex; flex-direction: column; gap: 0.5em; }
.field label { font-size: 0.88rem; font-weight: 600; color: var(--color-charcoal); }
.field .hint { font-size: 0.78rem; color: var(--color-text-muted); }
.field input,
.field select,
.field textarea {
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 0.85em 1em;
  background: var(--color-white);
  font-size: 0.95rem;
  min-height: 44px;
  transition: border-color var(--duration-fast) var(--ease-out);
}
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--color-gold-deep); }
.field textarea { min-height: 120px; resize: vertical; }
.field-checkbox { display: flex; align-items: flex-start; gap: 0.75em; }
.field-checkbox input {
  width: 20px; height: 20px; min-height: 0;
  accent-color: var(--color-gold-deep);
  margin-top: 0.15em;
  flex-shrink: 0;
}
.field-checkbox label { font-weight: 400; font-size: 0.88rem; color: var(--color-text-muted); }
.field-checkbox a { color: var(--color-gold-deep); font-weight: 600; }

.form-status {
  padding: var(--space-2) var(--space-3);
  border-radius: var(--radius-md);
  font-size: 0.9rem;
  display: none;
}
.form-status.is-visible { display: block; }
.form-status--success { background: #F0F5EA; color: #35521F; border: 1px solid #C9DDB2; }
.form-status--error { background: #F7EAE8; color: var(--color-danger); border: 1px solid #E3BEB9; }

/* =========================================================
   Calculator
   ========================================================= */
.calculator {
  display: grid;
  gap: var(--space-4);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  box-shadow: var(--shadow-md);
}
@media (min-width: 960px) { .calculator { grid-template-columns: 1.1fr 0.9fr; padding: var(--space-5); } }
.calculator__results {
  background: var(--color-near-black);
  color: var(--color-white);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
}
.calculator__results h3 { color: var(--color-white); }
.result-line { display: flex; justify-content: space-between; align-items: baseline; gap: var(--space-2); padding-block: 0.7em; border-top: 1px solid rgba(255,255,255,0.14); }
.result-line:first-of-type { border-top: none; }
.result-line__label { font-size: 0.85rem; color: rgba(255,255,255,0.68); }
.result-line__value { font-family: var(--font-heading); font-weight: 600; font-size: 1.15rem; font-variant-numeric: tabular-nums; }
.result-line__value--hero {
  font-size: clamp(1.6rem, 1.4rem + 1.4vw, 2.2rem);
  background: var(--gradient-gold-text);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.result-note { font-size: 0.8rem; color: rgba(255,255,255,0.6); margin-top: var(--space-2); }
.calc-range { display: flex; justify-content: space-between; font-size: 0.85rem; color: var(--color-text-muted); }
input[type="range"] { width: 100%; accent-color: var(--color-gold-deep); padding: 0; border: none; }

/* =========================================================
   Related links strip
   ========================================================= */
.related-links { display: grid; gap: var(--space-2); }
@media (min-width: 720px) { .related-links { grid-template-columns: repeat(2, 1fr); } }
.related-links a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-2);
  padding: 1em 1.25em;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  font-weight: 600;
  font-family: var(--font-heading);
  font-size: 0.92rem;
  transition: border-color var(--duration-fast) var(--ease-out), background var(--duration-fast) var(--ease-out);
}
.related-links a:hover { border-color: var(--color-gold-antique); background: var(--color-surface-tint); }
.related-links .icon { width: 16px; height: 16px; color: var(--color-gold-deep); }

/* =========================================================
   Pull-quote
   ========================================================= */
.pull-quote {
  border-left: 3px solid var(--color-gold-deep);
  padding-left: var(--space-3);
  font-family: var(--font-heading);
  font-size: var(--size-lead);
  font-weight: 500;
  color: var(--color-charcoal);
  max-width: 56ch;
}
.pull-quote cite { display: block; margin-top: var(--space-2); font-family: var(--font-body); font-style: normal; font-size: 0.85rem; font-weight: 400; color: var(--color-text-muted); }

/* =========================================================
   Back to top
   ========================================================= */
.back-to-top {
  position: fixed;
  right: var(--space-3);
  bottom: var(--space-3);
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--color-charcoal);
  color: var(--color-white);
  display: flex; align-items: center; justify-content: center;
  opacity: 0; visibility: hidden;
  transform: translateY(8px);
  transition: opacity var(--duration-base) var(--ease-out), transform var(--duration-base) var(--ease-out), visibility var(--duration-base);
  z-index: 90;
  box-shadow: var(--shadow-md);
}
.back-to-top.is-visible { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top .icon { width: 18px; height: 18px; }

/* =========================================================
   DESIGN_SYSTEM.md conformance layer
   Keeps the existing Mbalwa component API while exposing the
   documented aliases and responsive behaviour.
   ========================================================= */

/* Interface typography */
.nav-list,
.nav-dropdown,
.btn,
.brand-word,
.breadcrumbs,
.field label,
.field legend,
.card h3,
.card h4,
.pillar-card h3,
.index-card h3,
.faq-item__q,
.footer-col h4,
.split-grid__badge {
  font-family: var(--font-ui);
}

/* Sticky navigation state: utility bar scrolls away and the brand compacts. */
.site-header,
.site-header .brand img {
  transition: min-height var(--transition), box-shadow var(--transition), height var(--transition);
}
.site-header.is-scrolled { box-shadow: var(--shadow-sm); }
.site-header.is-scrolled .brand img { height: 68px; }
.fsp-strip,
.fsp-strip__contacts a { color: rgba(255,255,255,0.82); }
.nav-list > li > a,
.nav-list > li > button.nav-link { min-height: 44px; }

/* Documented button names plus backwards-compatible project names. */
.btn {
  min-height: 44px;
  padding: 12px 28px;
  border-radius: var(--radius-pill);
  font-size: 12px;
  line-height: 21px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition), border-color var(--transition), color var(--transition);
}
.btn--solid,
.btn--primary {
  background: var(--color-near-black);
  background-image: none;
  color: var(--color-gold);
  box-shadow: var(--shadow-sm);
}
.btn--outline,
.btn--tertiary {
  background: transparent;
  color: var(--color-charcoal);
  border: 1.5px solid var(--color-charcoal);
}
.btn--outline-light,
.btn--ghost-light {
  background: transparent;
  color: var(--color-white);
  border: 1.5px solid rgba(255,255,255,0.58);
}
.btn:disabled,
.btn[aria-disabled="true"] {
  cursor: not-allowed;
  opacity: 0.58;
  box-shadow: none;
  transform: none;
}
.btn.is-loading { position: relative; color: transparent; }
.btn.is-loading::after {
  content: "";
  position: absolute;
  width: 18px;
  height: 18px;
  border: 2px solid currentColor;
  border-right-color: transparent;
  border-radius: 50%;
  color: var(--color-near-black);
  animation: button-spin 0.8s linear infinite;
}
@keyframes button-spin { to { transform: rotate(360deg); } }

/* Editorial hero and split imagery */
.hero { padding-block: var(--section-space-compact) var(--section-space); }
.hero__grid { gap: var(--column-gap); }
.hero__media img,
.split-grid__media img {
  aspect-ratio: 3 / 2;
  object-fit: cover;
  border-radius: 0 !important;
}
.hero__media img { box-shadow: none; }
.hero__media-caption {
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-lg);
}
.split-grid { gap: var(--column-gap); }
@media (min-width: 901px) {
  .hero__grid,
  .split-grid { grid-template-columns: 1fr 1fr; gap: var(--column-gap); }
  .split-grid--40-60,
  .split-grid--30-70 { grid-template-columns: 2fr 3fr; }
  .split-grid--60-40,
  .split-grid--70-30 { grid-template-columns: 3fr 2fr; }
}

/* Cards, notices and feature containers use the documented geometry. */
.card { border-radius: var(--radius-card); }
.card,
.index-card,
.pillar-card { transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition); }
.index-card { border-radius: var(--radius-card); }
.notice { border-radius: var(--radius-soft); }
.pillar-card,
.calculator,
.cta-banner { border-radius: var(--radius-lg); }
.icon-tile { border-radius: var(--radius-soft); }
.split-grid__tags span { border-radius: var(--radius-pill); }
.table-wrap { border-radius: var(--radius-card); }

/* Process / ledger: numbered markers and a quiet desktop connector. */
.ledger__item { position: relative; }
.ledger__num {
  display: inline-grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border: 1px solid var(--color-gold-deep);
  border-radius: 50%;
  background: var(--color-white);
  font-family: var(--font-heading);
  font-size: 1rem;
  line-height: 1;
  position: relative;
  z-index: 1;
}
.ledger__item:not(:last-child)::after {
  content: "";
  position: absolute;
  left: 21px;
  top: calc(50% + 22px);
  width: 1px;
  height: calc(50% - 1px);
  background: var(--color-border);
}

/* FAQ controls remain 44px+ targets and use the documented chevron motion. */
.faq-item__q { min-height: 56px; }
.faq-item__q .icon { transition: transform var(--transition); }

/* Form states */
.form-grid { gap: 18px var(--space-3); }
.field { gap: 8px; }
.field label,
.field legend { font-size: 0.85rem; font-weight: 600; }
.field input,
.field select,
.field textarea {
  min-height: 44px;
  border-radius: var(--radius-card);
  transition: border-color var(--transition), box-shadow var(--transition), background var(--transition);
}
.field input:hover,
.field select:hover,
.field textarea:hover { border-color: var(--color-slate); }
.field input:focus,
.field select:focus,
.field textarea:focus {
  border-color: var(--color-gold-deep);
  box-shadow: 0 0 0 3px rgba(156,112,7,0.12);
}
.field input:user-invalid,
.field select:user-invalid,
.field textarea:user-invalid,
.field [aria-invalid="true"] {
  border-color: var(--color-danger);
  background: #FFF9F8;
}
.field input:user-valid:not(:placeholder-shown),
.field textarea:user-valid:not(:placeholder-shown) { border-color: #547A36; }
.field input:disabled,
.field select:disabled,
.field textarea:disabled { cursor: not-allowed; opacity: 0.65; background: var(--color-surface-tint); }
.field-error { font-size: 0.82rem; color: var(--color-danger); }
fieldset { min-width: 0; border: 0; padding: 0; }

/* Reusable office block for the documented contact pattern. */
.office-card {
  overflow: hidden;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-card);
  background: var(--color-white);
}
.office-card__media { aspect-ratio: 3 / 2; object-fit: cover; width: 100%; }
.office-card__body { padding: var(--space-3); }
.office-card--featured { border-color: var(--color-gold-antique); box-shadow: var(--shadow-lg); }
.footer__social a { width: 44px; height: 44px; }

/* Footer columns: 4 desktop, 2 tablet, 1 mobile. */
@media (max-width: 1080px) and (min-width: 721px) {
  .footer__top { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 720px) {
  .footer__top { grid-template-columns: 1fr; }
  .footer__top > div { padding-left: 0; }
  .footer__top > div::before { display: none; }
}

/* Responsive flow */
@media (max-width: 900px) {
  .hero__grid,
  .split-grid,
  .calculator { grid-template-columns: 1fr !important; }
  .split-grid__media { order: -1; }
  .form-grid--2 { grid-template-columns: 1fr; }
  .ledger__item { grid-template-columns: auto 1fr; }
}
@media (max-width: 720px) {
  .hero { min-height: 560px; display: flex; align-items: flex-end; }
  .hero__grid { gap: var(--space-4); align-items: end; }
  .hero__actions { align-items: stretch; }
  .hero__actions .btn { width: 100%; }
  .hero__media-caption { left: var(--space-2); right: var(--space-2); max-width: none; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: clamp(1.8rem, 10vw, 2.55rem); }
  .site-header .brand img { height: 64px; }
}

@media (prefers-reduced-motion: reduce) {
  .btn.is-loading::after { animation: none; }
}

/* Homepage investment-services theme */
.home-investment-services {
  background: var(--color-near-black);
}
.home-investment-services .card {
  background: #292928;
  border-color: rgba(255,255,255,0.16);
  box-shadow: none;
}
.home-investment-services .card h3 { color: var(--color-white); }
.home-investment-services .card p { color: rgba(255,255,255,0.74); }
.home-investment-services .icon-tile {
  background: rgba(255,255,255,0.08);
  color: var(--color-gold);
}
.home-investment-services .card__link {
  min-height: 40px;
  padding: 9px 18px;
  border-radius: var(--radius-pill);
  background: var(--color-gold);
  background-image: none;
  color: var(--color-near-black);
  font-family: var(--font-ui);
  font-size: 12px;
  line-height: 21px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.home-investment-services .card__link .icon { color: currentColor; }
.home-investment-services a.card:hover,
.home-investment-services .card.is-interactive:hover {
  border-color: var(--color-gold);
  box-shadow: 0 16px 36px rgba(0,0,0,0.28);
}

/* Structural card treatment shared by both the gold and dark
   investment-services showcases — colors come from .section--dark /
   .home-investment-services or .gold-investment-services-theme. */
.investment-services-showcase .grid { gap: 0.75rem; }
.investment-services-showcase .card--bracket { overflow: visible; }
.investment-services-showcase .card { padding-top: 38px; }
.investment-services-showcase .icon-tile {
  position: absolute;
  top: -26px;
  left: var(--space-4);
  z-index: 2;
}
.investment-services-showcase .card h3 { margin-top: 0; font-size: var(--size-h4); }
.investment-services-showcase .service-card__media {
  margin: var(--space-3) calc(-1 * var(--space-4)) 0;
  overflow: hidden;
}
.investment-services-showcase .service-card__media img {
  display: block;
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
}
.investment-services-showcase .card p { margin-top: var(--space-3); }
.investment-services-showcase .card__link {
  background: transparent;
  border: 1.5px solid var(--color-gold);
  color: var(--color-gold);
}
.investment-services-showcase a.card:hover .card__link {
  background: var(--color-gold);
  color: var(--color-near-black);
}

/* Primary CTAs invert on dark surfaces for clear contrast. */
.section--dark .btn--solid,
.section--dark .btn--primary,
.pillar-card .btn--solid,
.pillar-card .btn--primary,
.cta-banner .btn--solid,
.cta-banner .btn--primary,
.calculator__results .btn--solid,
.calculator__results .btn--primary {
  background: var(--color-gold);
  background-image: none;
  color: var(--color-near-black);
  box-shadow: none;
}
.pillar-card--gold .btn--solid,
.pillar-card--gold .btn--primary {
  background: var(--color-near-black);
  color: var(--color-gold);
}
.pillar-card--gold .btn--solid:hover,
.pillar-card--gold .btn--primary:hover {
  background: var(--color-charcoal);
  color: var(--color-white);
}

/* Dark editorial footer */
.site-footer {
  position: relative;
  overflow: hidden;
  border-top: 4px solid var(--color-gold);
  background: var(--color-footer-bg);
  color: var(--color-footer-text);
}
.site-footer::before {
  content: "";
  position: absolute;
  top: -220px;
  right: -180px;
  width: 520px;
  height: 520px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(226,189,87,0.13), transparent 68%);
  pointer-events: none;
}
.footer__statement {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: var(--column-gap);
  align-items: end;
  padding-block: var(--section-space-compact) var(--space-5);
  border-bottom: 1px solid var(--color-footer-border);
}
.footer__statement-copy { max-width: 760px; }
.footer__kicker {
  display: block;
  margin-bottom: var(--space-2);
  font-family: var(--font-ui);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase;
  color: var(--color-gold);
}
.footer__statement h2 {
  max-width: 24ch;
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: clamp(2rem, 4vw, 3.4rem);
  line-height: 1.08;
}
.site-footer .btn--solid,
.site-footer .btn--primary {
  background: var(--color-gold);
  background-image: none;
  color: var(--color-near-black);
  box-shadow: none;
}
.footer__top {
  position: relative;
  padding-block: var(--space-5);
}
.footer__top > div:not(:first-child)::before { background: var(--color-footer-border); }
.footer__brand .brand {
  width: fit-content;
  padding: 0;
  border-radius: 0;
  background: transparent;
}
.footer__brand .brand img {
  width: auto;
  height: 80px;
}
.footer__brand p { color: var(--color-footer-text); line-height: 1.65; }
.footer-col h4 {
  color: var(--color-gold);
  font-size: 1.05rem;
  line-height: 1.3;
  letter-spacing: 0.06em;
}
.footer-col a,
.footer-col span { color: var(--color-footer-text); }
.footer-col a {
  display: inline-flex;
  align-items: center;
  min-height: 26px;
}
.footer-col a::before {
  content: "";
  width: 0;
  height: 1px;
  margin-right: 0;
  background: var(--color-gold);
  transition: width var(--transition), margin-right var(--transition);
}
.footer-col a:hover { color: var(--color-gold); text-decoration: none; }
.footer-col a:hover::before { width: 14px; margin-right: 7px; }
.footer-col li > span {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  width: fit-content;
  margin-top: 0.75rem;
  padding: 0.65rem 0.85rem;
  border: 1px solid var(--color-footer-accent-border);
  border-radius: var(--radius-soft);
  background: linear-gradient(135deg, rgba(226,189,87,0.12), rgba(226,189,87,0.025));
  box-shadow: inset 3px 0 0 var(--color-gold);
  color: var(--color-white);
  font-size: 0.78rem;
  font-weight: 600;
  line-height: 1.25;
  letter-spacing: 0.035em;
  white-space: nowrap;
}
.footer-col li > span::before {
  content: "";
  width: 8px;
  height: 8px;
  flex: 0 0 8px;
  border-radius: 50%;
  background: var(--color-gold);
  box-shadow: 0 0 0 4px rgba(226,189,87,0.12), 0 0 12px rgba(226,189,87,0.4);
}
.footer__social a {
  border-color: var(--color-footer-accent-border);
  color: var(--color-gold);
}
.footer__social a:hover {
  background: var(--color-gold);
  border-color: var(--color-gold);
  color: var(--color-near-black);
}
.footer__trust-row {
  position: relative;
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  padding-bottom: var(--space-4);
}
.footer__trust-row span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-height: 40px;
  padding: 8px 14px;
  border: 1px solid var(--color-footer-accent-border);
  border-radius: var(--radius-pill);
  background: rgba(255,255,255,0.035);
  color: var(--color-footer-text);
  font-family: var(--font-ui);
  font-size: 0.82rem;
}
.footer__trust-row .icon { width: 17px; height: 17px; color: var(--color-gold); }
.footer__disclosure {
  position: relative;
  margin-bottom: var(--space-4);
  padding: var(--space-3);
  border: 1px solid var(--color-footer-border);
  border-radius: var(--radius-soft);
  background: rgba(255,255,255,0.035);
  color: var(--color-footer-text-muted);
  font-size: 0.78rem;
  line-height: 1.6;
}
.footer__disclosure a { color: var(--color-gold); }
.footer__disclosure a:hover { color: var(--color-white); }
.footer__bottom {
  border-top-color: var(--color-footer-border);
  color: var(--color-footer-text-muted);
}
.footer__legal-links a { color: var(--color-footer-text-muted); }
.footer__legal-links a:hover { color: var(--color-gold); }
.footer__legal-links a:not(:last-child)::after { background: var(--color-footer-border); }

@media (max-width: 900px) {
  .footer__statement { grid-template-columns: 1fr; gap: var(--space-4); align-items: start; }
}
@media (max-width: 720px) {
  .footer__statement { padding-block: var(--space-5); }
  .footer__statement .btn { width: 100%; }
  .footer__statement h2 { font-size: clamp(2rem, 10vw, 2.8rem); }
}

/* Layered homepage hero */
.home-hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding-top: clamp(2.5rem, 5vw, 4.5rem);
  background: url('/assets/Images/investment-planning-services-south-africa.webp') center / cover no-repeat;
  color: var(--color-white);
}
.home-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  background:
    linear-gradient(110deg, rgba(13,13,12,0.74), rgba(18,18,17,0.54) 48%, rgba(18,18,17,0.38)),
    linear-gradient(180deg, rgba(18,18,17,0.16), rgba(18,18,17,0.4) 58%, rgba(18,18,17,0.84));
}
.home-hero > * { position: relative; z-index: 1; }
.home-hero__headline {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(300px, 0.7fr);
  gap: clamp(2rem, 5vw, 5rem);
  align-items: end;
  padding-block: clamp(2rem, 4vw, 3.5rem);
  border-left: 4px solid var(--color-gold);
  background: transparent;
  box-shadow: none;
}
.home-hero__headline .eyebrow,
.home-hero__side--black .eyebrow { color: var(--color-gold); }
.home-hero__headline .eyebrow::before,
.home-hero__side--black .eyebrow::before { background: var(--color-gold); }
.home-hero__headline h1 {
  max-width: 16ch;
  margin-top: var(--space-2);
  color: var(--color-white);
  font-family: var(--font-ui);
  font-size: clamp(2.7rem, 5vw, 4.8rem);
  font-weight: 600;
  line-height: 1.02;
  letter-spacing: -0.035em;
  text-wrap: balance;
  text-shadow: 0 2px 4px rgba(0,0,0,0.72), 0 12px 34px rgba(0,0,0,0.42);
}
.home-hero__intro { max-width: 42ch; padding-bottom: 0.35rem; }
.home-hero__intro > p {
  color: rgba(255,255,255,0.92);
  font-size: 1.05rem;
  line-height: 1.65;
  text-shadow: 0 2px 14px rgba(0,0,0,0.62);
}
.home-hero__actions { display: flex; flex-wrap: wrap; gap: var(--space-2); margin-top: var(--space-3); }
.home-hero__headline .btn--outline { border-color: rgba(255,255,255,0.7); color: var(--color-white); }
.home-hero__headline .btn--outline:hover { border-color: var(--color-gold); background: var(--color-gold); color: var(--color-near-black); }
.home-hero__stage {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: minmax(220px, 0.72fr) minmax(420px, 1.55fr) minmax(220px, 0.72fr);
  align-items: stretch;
  margin-top: clamp(2rem, 5vw, 4rem);
}
.home-hero__side {
  display: flex;
  flex-direction: column;
  min-height: 340px;
  padding: clamp(1.5rem, 2.8vw, 2.25rem);
}
.home-hero__side h2 {
  margin-top: var(--space-2);
  font-family: var(--font-ui);
  font-size: clamp(1.65rem, 2.3vw, 2.25rem);
  line-height: 1.08;
}
.home-hero__side > p:not(.eyebrow) { margin-top: var(--space-3); font-size: 0.96rem; line-height: 1.6; }
.home-hero__side--gold { background: var(--color-near-black); color: var(--color-white); }
.home-hero__side--gold .eyebrow { color: var(--color-gold); }
.home-hero__side--gold .eyebrow::before { background: var(--color-gold); }
.home-hero__side--gold h2,
.home-hero__side--gold p { color: var(--color-white); }
.home-hero__side--gold > p:not(.eyebrow) { color: rgba(255,255,255,0.72); }
.home-hero__side--gold .home-hero__text-link { color: var(--color-gold); }
.home-hero__side--black { background: linear-gradient(145deg, #161615, #252523); color: var(--color-white); }
.home-hero__side--black > p:not(.eyebrow) { color: rgba(255,255,255,0.7); }
.home-hero__fsp {
  display: block;
  margin-top: auto;
  color: var(--color-white);
  font-family: var(--font-ui);
  font-size: clamp(2.2rem, 3.2vw, 3.5rem);
  line-height: 1;
  letter-spacing: -0.04em;
}
.home-hero__fsp-label { display: block; margin-top: 0.55rem; color: var(--color-gold); font-size: 0.86rem; font-weight: 600; line-height: 1.35; }
.home-hero__text-link {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  width: fit-content;
  margin-top: auto;
  padding-top: var(--space-3);
  color: inherit;
  font-size: 0.86rem;
  font-weight: 700;
  text-decoration: none;
}
.home-hero__text-link span { transition: transform var(--transition); }
.home-hero__text-link:hover span { transform: translateX(5px); }
.home-hero__side--black .home-hero__text-link { color: var(--color-gold); }
.home-hero__feature { position: relative; min-height: 340px; overflow: hidden; background: #d8d4cb; }
.home-hero__feature img { width: 100%; height: 100%; object-fit: cover; object-position: center; }
.home-hero__feature figcaption {
  position: absolute;
  inset: auto 0 0;
  padding: 1.35rem 1.5rem;
  background: linear-gradient(0deg, rgba(10,10,10,0.88), transparent);
  color: var(--color-white);
  font-size: 0.86rem;
  font-weight: 600;
}
.home-hero__trust {
  position: relative;
  z-index: 1;
  margin-top: -3.5rem;
  padding-block: calc(3.5rem + var(--space-4)) var(--space-4);
  background: var(--color-gold);
  border-top: 1px solid rgba(226,189,87,0.28);
}
.home-hero__trust .credibility__list { gap: clamp(1rem, 2.4vw, 2.5rem); }
.home-hero__trust .credibility__item {
  flex-direction: row;
  justify-content: center;
  gap: 0.75rem;
  margin: 0;
  color: var(--color-near-black);
  text-align: left;
  line-height: 1.35;
}
.home-hero__trust .credibility__item svg {
  width: 46px;
  height: 46px;
  padding: 11px;
  border-radius: 12px;
  background: var(--color-near-black);
  color: var(--color-gold);
  flex: 0 0 auto;
}
.home-hero__trust .credibility__item:last-child { color: var(--color-near-black); }
.home-hero__trust .credibility__item:last-child svg { color: var(--color-gold); }
@media (max-width: 1000px) {
  .home-hero__headline { grid-template-columns: 1fr; gap: var(--space-3); }
  .home-hero__intro { max-width: 60ch; }
  .home-hero__stage { grid-template-columns: 1fr 1fr; }
  .home-hero__feature { grid-column: 1 / -1; grid-row: 1; min-height: 420px; }
  .home-hero__side { min-height: 300px; }
  .home-hero__trust .credibility__list { grid-template-columns: repeat(3, 1fr); }
  .home-hero__trust .credibility__item:last-child { color: var(--color-near-black); }
  .home-hero__trust .credibility__item:last-child svg { color: var(--color-gold); }
  .home-hero__trust .credibility__item:nth-child(3) { color: var(--color-near-black); }
  .home-hero__trust .credibility__item:nth-child(3) svg { color: var(--color-gold); }
}
@media (max-width: 640px) {
  .home-hero { padding-top: var(--space-3); background-position: 62% center; }
  .home-hero__headline { padding-block: var(--space-4); border-left-width: 3px; }
  .home-hero__headline h1 { font-size: clamp(2.2rem, 11vw, 3.15rem); }
  .home-hero__actions .btn { width: 100%; }
  .home-hero__stage { grid-template-columns: 1fr; margin-top: var(--space-3); }
  .home-hero__feature { grid-column: auto; grid-row: auto; min-height: 340px; }
  .home-hero__side { min-height: 0; }
  .home-hero__trust {
    margin-top: 0;
    padding-block: var(--space-4);
    background: var(--color-gold);
  }
  .home-hero__trust .credibility__list { grid-template-columns: 1fr; gap: var(--space-2); }
  .home-hero__trust .credibility__item { justify-content: flex-start; }
  .home-hero__trust .credibility__item:nth-child(3) { color: var(--color-near-black); }
  .home-hero__trust .credibility__item:nth-child(3) svg { color: var(--color-gold); }
  .home-hero__trust .credibility__item:nth-child(n + 4) { color: var(--color-near-black); }
  .home-hero__trust .credibility__item:nth-child(n + 4) svg { color: var(--color-gold); }
}

/* Full-image subpage hero */
.hero--subpage {
  position: relative;
  isolation: isolate;
  display: flex;
  align-items: center;
  width: 100%;
  max-width: none;
  min-height: 520px;
  padding: 0;
  overflow: hidden;
  background: var(--color-near-black);
  color: var(--color-white);
}
.hero--subpage::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  background:
    linear-gradient(110deg, rgba(13,13,12,0.74), rgba(18,18,17,0.54) 48%, rgba(18,18,17,0.38)),
    linear-gradient(180deg, rgba(18,18,17,0.16), rgba(18,18,17,0.4) 58%, rgba(18,18,17,0.84));
}
.hero--subpage .hero__media {
  position: absolute;
  inset: 0;
  z-index: -2;
}
.hero--subpage .hero__media img {
  width: 100%;
  height: 100%;
  max-width: none;
  aspect-ratio: auto;
  border-radius: 0 !important;
  object-fit: cover;
  object-position: center;
  filter: none;
}
.hero--subpage .hero__grid {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: var(--container-max);
  min-height: 520px;
  margin-inline: auto;
  padding: var(--section-space-compact) var(--container-pad);
  grid-template-columns: minmax(0, 0.95fr) minmax(420px, 1.05fr);
  gap: var(--column-gap);
  align-items: center;
}
.hero--subpage .hero__heading { align-self: center; }
.hero--subpage .eyebrow {
  width: fit-content;
  padding: 0.55rem 0.8rem;
  background: var(--color-near-black);
  border: 1px solid rgba(226,189,87,0.28);
  border-radius: 4px;
  color: var(--color-gold);
  box-shadow: 0 8px 24px rgba(0,0,0,0.22);
  text-shadow: none;
}
.hero--subpage .eyebrow::before { background: var(--color-gold); }
.hero--subpage h1 {
  max-width: 13ch;
  margin-top: var(--space-2);
  color: var(--color-white);
  font-family: var(--font-ui);
  font-size: clamp(2.2rem, 3.7vw, 3.65rem);
  font-weight: 600;
  line-height: 1.02;
  letter-spacing: -0.025em;
  text-wrap: balance;
  text-shadow:
    0 1px 2px rgba(0,0,0,0.82),
    0 7px 24px rgba(0,0,0,0.58);
}
.hero--subpage.hero--legal h1 {
  font-size: 40px;
}
.legal-page main h2 {
  font-size: 32px;
}

/* About page: values bento */
.values-section {
  position: relative;
  overflow: hidden;
  background: radial-gradient(circle at 88% 14%, rgba(226,189,87,0.12), transparent 26rem), #f8f6f1;
}
.values-section::before {
  content: "";
  position: absolute;
  top: 0;
  left: var(--container-pad);
  right: var(--container-pad);
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--color-gold), transparent);
  opacity: 0.55;
}
.values-section__head {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(280px, 0.6fr);
  gap: var(--column-gap);
  align-items: end;
  margin-bottom: clamp(2.25rem, 5vw, 4rem);
}
.values-section__head h2 {
  max-width: 18ch;
  margin-top: var(--space-2);
  font-family: var(--font-heading);
  font-size: clamp(2.6rem, 5vw, 5rem);
  font-weight: 500;
  line-height: 0.98;
  letter-spacing: -0.035em;
}
.values-section__intro {
  max-width: 38ch;
  padding-left: var(--space-3);
  border-left: 2px solid var(--color-gold);
  color: var(--color-text-muted);
  font-size: 1.02rem;
  line-height: 1.65;
}
.values-grid {
  display: grid;
  grid-template-columns: 1.12fr 1fr 1fr;
  grid-template-rows: repeat(2, minmax(235px, auto));
  gap: 8px;
}
.value-card {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-width: 0;
  padding: clamp(1.35rem, 2.4vw, 2rem);
  overflow: hidden;
  border: 1px solid rgba(177,139,44,0.24);
  border-radius: var(--radius-card);
  background: rgba(255,255,255,0.78);
  box-shadow: 0 16px 50px rgba(31,29,24,0.055);
  transition: transform var(--duration-fast) var(--ease-out), border-color var(--duration-fast) var(--ease-out), box-shadow var(--duration-fast) var(--ease-out);
}
.value-card::after {
  content: "";
  position: absolute;
  right: -44px;
  bottom: -58px;
  width: 130px;
  height: 130px;
  border: 1px solid rgba(177,139,44,0.13);
  border-radius: 50%;
}
.value-card:hover {
  transform: translateY(-4px);
  border-color: rgba(177,139,44,0.55);
  box-shadow: 0 22px 60px rgba(31,29,24,0.09);
}
.value-card--featured {
  grid-row: 1 / span 2;
  padding: clamp(1.65rem, 3vw, 2.6rem);
  border-color: rgba(226,189,87,0.38);
  background: radial-gradient(circle at 88% 10%, rgba(226,189,87,0.18), transparent 45%), var(--color-near-black);
  color: var(--color-white);
  box-shadow: 0 24px 65px rgba(18,18,17,0.16);
}
.value-card--featured::after {
  right: -88px;
  bottom: -98px;
  width: 270px;
  height: 270px;
  border-color: rgba(226,189,87,0.18);
}
.value-card__top {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: var(--space-2);
}
.value-card__number {
  color: var(--color-gold-deep);
  font-family: var(--font-ui);
  font-size: clamp(4rem, 6vw, 5.25rem);
  font-weight: 700;
  line-height: 1;
  letter-spacing: 0.02em;
  opacity: 0.16;
}
.value-card--featured .value-card__number { color: var(--color-gold); opacity: 0.3; }
.value-card__icon {
  display: grid;
  width: 54px;
  height: 54px;
  place-items: center;
  border: 1px solid rgba(177,139,44,0.24);
  border-radius: 50%;
  background: rgba(226,189,87,0.08);
  color: var(--color-gold-deep);
}
.value-card__icon .icon { width: 24px; height: 24px; }
.value-card--featured .value-card__icon {
  width: 66px;
  height: 66px;
  border-color: rgba(226,189,87,0.4);
  background: rgba(226,189,87,0.1);
  color: var(--color-gold);
}
.value-card--featured .value-card__icon .icon { width: 29px; height: 29px; }
.value-card__copy {
  position: relative;
  z-index: 1;
  margin-top: var(--space-4);
}
.value-card__copy h3 {
  font-family: var(--font-heading);
  font-size: clamp(1.4rem, 2vw, 1.85rem);
  font-weight: 600;
  line-height: 1.08;
}
.value-card__copy p {
  max-width: 34ch;
  margin-top: 0.7rem;
  color: var(--color-text-muted);
  font-size: 0.94rem;
  line-height: 1.58;
}
.value-card--featured .value-card__copy h3 {
  color: var(--color-white);
  font-size: clamp(2.3rem, 4vw, 3.7rem);
}
.value-card--featured .value-card__copy p {
  color: rgba(255,255,255,0.72);
  font-size: 1.02rem;
}
@media (max-width: 960px) {
  .values-section__head { grid-template-columns: 1fr; }
  .values-section__intro { max-width: 54ch; }
  .values-grid { grid-template-columns: repeat(2, 1fr); grid-template-rows: auto; }
  .value-card--featured { grid-column: 1 / -1; grid-row: auto; min-height: 340px; }
  .value-card { min-height: 230px; }
}
@media (max-width: 620px) {
  .values-section__head h2 { font-size: clamp(2.35rem, 12vw, 3.5rem); }
  .values-section__intro { padding-left: var(--space-2); }
  .values-grid { grid-template-columns: 1fr; }
  .value-card--featured { grid-column: auto; min-height: 330px; }
  .value-card { min-height: 215px; }
}
.hero__tagline {
  max-width: 38ch;
  margin-top: var(--space-3);
  color: rgba(255,255,255,0.96);
  font-family: var(--font-ui);
  font-size: 1.08rem;
  font-weight: 500;
  line-height: 1.5;
  text-shadow: 0 2px 12px rgba(0,0,0,0.72);
}
.hero--subpage .hero__panel {
  position: relative;
  align-self: center;
  overflow: visible;
  padding: clamp(1.5rem, 3vw, 2.4rem);
  border: 1px solid rgba(226,189,87,0.78);
  border-radius: 16px;
  background: transparent;
  box-shadow: none;
  -webkit-backdrop-filter: none;
  backdrop-filter: none;
}
.hero--subpage .hero__panel p.lead {
  max-width: none;
  margin: 0;
  color: rgba(255,255,255,0.9);
  font-size: 1rem;
  font-weight: 500;
  line-height: 1.62;
  text-shadow: 0 2px 14px rgba(0,0,0,0.62);
}
.hero--subpage .hero__actions { margin-top: var(--space-3); }
.hero--subpage .btn--solid,
.hero--subpage .btn--primary {
  background: var(--color-gold);
  background-image: none;
  color: var(--color-near-black);
  box-shadow: none;
}
.hero--subpage .btn--outline,
.hero--subpage .btn--tertiary {
  border-color: rgba(255,255,255,0.76);
  color: var(--color-white);
}
.hero--subpage .btn--outline:hover,
.hero--subpage .btn--tertiary:hover {
  border-color: var(--color-gold);
  background: var(--color-gold);
  color: var(--color-near-black);
}
.hero--subpage .hero__meta {
  margin-top: var(--space-3);
  padding-top: var(--space-2);
  border-top: 1px solid rgba(255,255,255,0.18);
  color: rgba(255,255,255,0.68);
}
.hero--subpage .hero__meta strong { color: var(--color-white); }

@media (max-width: 900px) {
  .hero--subpage,
  .hero--subpage .hero__grid { min-height: 620px; }
  .hero--subpage .hero__grid {
    grid-template-columns: 1fr;
    gap: var(--space-4);
    padding-block: var(--space-6);
  }
  .hero--subpage .hero__heading { align-self: end; }
  .hero--subpage h1 { max-width: 16ch; }
  .hero--subpage .hero__panel { align-self: start; }
}
@media (max-width: 720px) {
  .hero--subpage { min-height: 680px; }
  .hero--subpage .hero__grid {
    min-height: 680px;
    padding-block: var(--space-5);
  }
  .hero--subpage h1 { font-size: clamp(2rem, 9vw, 2.8rem); }
  .hero--subpage.hero--legal h1 { font-size: 40px; }
  .hero--subpage .hero__panel {
    padding: var(--space-3);
    border-radius: 14px;
    -webkit-backdrop-filter: none;
    backdrop-filter: none;
  }
  .hero--subpage .hero__actions .btn { width: 100%; }
}

/* ============================================================
   Investor risk profile questionnaire
   ============================================================ */
.risk-profile-hero {
  position: relative;
  overflow: hidden;
  padding-block: clamp(4.5rem, 8vw, 7.5rem);
  background:
    radial-gradient(circle at 88% 15%, rgba(226,189,87,0.18), transparent 28rem),
    linear-gradient(135deg, #161615, var(--color-near-black));
  color: var(--color-white);
}
.risk-profile-hero::after {
  content: "";
  position: absolute;
  right: -9rem;
  bottom: -15rem;
  width: 34rem;
  height: 34rem;
  border: 1px solid rgba(226,189,87,0.15);
  border-radius: 50%;
  box-shadow: 0 0 0 5rem rgba(226,189,87,0.025), 0 0 0 10rem rgba(226,189,87,0.018);
}
.risk-profile-hero__grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(330px, 0.75fr);
  gap: var(--column-gap);
  align-items: end;
}
.risk-profile-hero .eyebrow { color: var(--color-gold); }
.risk-profile-hero .eyebrow::before { background: var(--color-gold); }
.risk-profile-hero h1 {
  max-width: 13ch;
  margin-top: var(--space-2);
  color: var(--color-white);
  font-size: clamp(2.4rem, 4.5vw, 4rem);
  line-height: 0.98;
  letter-spacing: -0.04em;
}
.risk-profile-hero .lead {
  max-width: 60ch;
  margin-top: var(--space-3);
  color: rgba(255,255,255,0.72);
  line-height: 1.7;
}
.risk-profile-hero__facts {
  display: grid;
  border-top: 1px solid rgba(226,189,87,0.42);
}
.risk-profile-hero__facts span {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: var(--space-2);
  padding-block: 1.1rem;
  border-bottom: 1px solid rgba(255,255,255,0.13);
}
.risk-profile-hero__facts strong { color: var(--color-white); font-family: var(--font-ui); font-size: 1.05rem; }
.risk-profile-hero__facts small { color: rgba(255,255,255,0.55); text-align: right; }
.risk-form-section { background: #f7f5ef; }
.risk-form-layout {
  display: grid;
  grid-template-columns: 275px minmax(0, 1fr);
  gap: clamp(2rem, 5vw, 5rem);
  align-items: start;
}
.risk-form-aside {
  position: sticky;
  top: calc(var(--header-nav-h) + var(--space-3));
  padding: var(--space-3);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: rgba(255,255,255,0.72);
}
.risk-step-list { margin-top: var(--space-3); }
.risk-step-list li {
  position: relative;
  display: grid;
  grid-template-columns: 34px 1fr;
  gap: 0.8rem;
  padding: 0 0 1.5rem;
  color: var(--color-text-muted);
}
.risk-step-list li:last-child { padding-bottom: 0; }
.risk-step-list li:not(:last-child)::after {
  content: "";
  position: absolute;
  top: 32px;
  bottom: 0;
  left: 15px;
  width: 1px;
  background: var(--color-border);
}
.risk-step-list li > span {
  position: relative;
  z-index: 1;
  display: grid;
  width: 32px;
  height: 32px;
  place-items: center;
  border: 1px solid var(--color-border);
  border-radius: 50%;
  background: var(--color-white);
  font-size: 0.7rem;
  font-weight: 700;
}
.risk-step-list strong { display: block; color: inherit; font-size: 0.92rem; }
.risk-step-list small { display: block; margin-top: 0.1rem; font-size: 0.75rem; }
.risk-step-list li.is-current { color: var(--color-charcoal); }
.risk-step-list li.is-current > span { border-color: var(--color-gold-deep); background: var(--color-near-black); color: var(--color-gold); }
.risk-step-list li.is-complete > span { border-color: var(--color-gold-deep); background: var(--color-gold); color: var(--color-near-black); }
.risk-step-list li.is-complete::after { background: var(--color-gold); }
.risk-privacy-note {
  display: flex;
  gap: 0.7rem;
  margin-top: var(--space-4);
  padding-top: var(--space-3);
  border-top: 1px solid var(--color-border);
}
.risk-privacy-note .icon { flex: 0 0 auto; color: var(--color-gold-deep); }
.risk-privacy-note p { color: var(--color-text-muted); font-size: 0.76rem; line-height: 1.55; }
.risk-form-shell {
  overflow: hidden;
  border: 1px solid rgba(177,139,44,0.24);
  border-radius: var(--radius-lg);
  background: var(--color-white);
  box-shadow: 0 22px 65px rgba(31,31,30,0.08);
}
.risk-progress { height: 5px; overflow: hidden; background: #ece8dd; }
.risk-progress span { display: block; width: 20%; height: 100%; background: linear-gradient(90deg, var(--color-gold-deep), var(--color-gold)); transition: width 350ms ease; }
.risk-step, .risk-success { padding: clamp(1.5rem, 4vw, 3.25rem); }
.risk-step__head { max-width: 700px; margin-bottom: var(--space-4); }
.risk-step__head > span { color: var(--color-gold-deep); font-size: 0.76rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; }
.risk-step__head h2 { margin-top: 0.45rem; font-size: clamp(2rem, 3.5vw, 2.375rem); }
.risk-step__head p { margin-top: 0.65rem; color: var(--color-text-muted); }
.risk-question { min-width: 0; margin: 0; padding: var(--space-3) 0; border: 0; border-top: 1px solid var(--color-border); }
.risk-question legend { width: 100%; padding: 0 0 var(--space-2); color: var(--color-charcoal); font-family: var(--font-ui); font-size: 1.03rem; font-weight: 600; }
.risk-options { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0.65rem; }
.risk-options--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.risk-options--stack { grid-template-columns: 1fr; }
.risk-option { position: relative; display: block; min-width: 0; cursor: pointer; }
.risk-option input { position: absolute; width: 1px; height: 1px; opacity: 0; }
.risk-option > span {
  position: relative;
  display: flex;
  min-height: 100%;
  flex-direction: column;
  justify-content: center;
  padding: 1rem 2.65rem 1rem 1rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: #fff;
  transition: border-color var(--duration-fast) ease, background var(--duration-fast) ease, box-shadow var(--duration-fast) ease;
}
.risk-option > span::after {
  content: "";
  position: absolute;
  top: 50%;
  right: 1rem;
  width: 18px;
  height: 18px;
  border: 1.5px solid #aaa69c;
  border-radius: 50%;
  transform: translateY(-50%);
  box-shadow: inset 0 0 0 4px #fff;
}
.risk-option strong { color: var(--color-charcoal); font-size: 0.9rem; line-height: 1.35; }
.risk-option small { margin-top: 0.25rem; color: var(--color-text-muted); font-size: 0.76rem; line-height: 1.45; }
.risk-option:hover > span { border-color: rgba(156,112,7,0.55); background: #fdfbf6; }
.risk-option input:focus-visible + span { outline: 2px solid var(--color-gold-deep); outline-offset: 2px; }
.risk-option input:checked + span { border-color: var(--color-gold-deep); background: rgba(226,189,87,0.1); box-shadow: 0 0 0 1px var(--color-gold-deep); }
.risk-option input:checked + span::after { border-color: var(--color-gold-deep); background: var(--color-gold-deep); }
.risk-question.has-error legend { color: var(--color-danger); }
.risk-question.has-error .risk-option > span { border-color: rgba(168,50,50,0.55); }
.risk-step__actions { display: flex; align-items: center; justify-content: space-between; gap: var(--space-2); margin-top: var(--space-4); padding-top: var(--space-3); border-top: 1px solid var(--color-border); }
.risk-step__actions .btn { display: inline-flex; align-items: center; gap: 0.55rem; }
.risk-step__actions .btn .icon { width: 17px; height: 17px; }
.risk-honeypot { position: absolute !important; left: -10000px !important; }
.risk-result__card { padding: clamp(1.5rem, 4vw, 2.5rem); border-radius: var(--radius-lg); background: var(--color-near-black); color: var(--color-white); }
.risk-result__label { display: flex; align-items: end; justify-content: space-between; gap: var(--space-2); }
.risk-result__label span { color: rgba(255,255,255,0.55); font-size: 0.76rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; }
.risk-result__label strong { color: var(--color-gold); font-family: var(--font-heading); font-size: clamp(1.8rem, 4vw, 3rem); line-height: 1; text-align: right; }
.risk-result__meter { height: 8px; margin-block: var(--space-3); overflow: hidden; border-radius: var(--radius-pill); background: rgba(255,255,255,0.14); }
.risk-result__meter span { display: block; width: 0; height: 100%; border-radius: inherit; background: linear-gradient(90deg, #8fd16b, var(--color-gold), #d37b45); transition: width 600ms ease; }
.risk-result__card > p { max-width: 66ch; color: rgba(255,255,255,0.78); line-height: 1.65; }
.risk-result__detail { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-2); margin-top: var(--space-4); padding-top: var(--space-3); border-top: 1px solid rgba(255,255,255,0.15); }
.risk-result__detail small { display: block; color: rgba(255,255,255,0.5); }
.risk-result__detail strong { display: block; margin-top: 0.25rem; color: var(--color-white); }
.risk-result__notice { margin-top: var(--space-3); }
.risk-success { text-align: center; }
.risk-success__icon { display: grid; width: 74px; height: 74px; margin: 0 auto var(--space-3); place-items: center; border-radius: 50%; background: rgba(226,189,87,0.15); color: var(--color-gold-deep); }
.risk-success__icon .icon { width: 34px; height: 34px; }
.risk-success h2 { max-width: 20ch; margin: var(--space-2) auto 0; }
.risk-success > p:not(.eyebrow) { max-width: 52ch; margin: var(--space-2) auto 0; color: var(--color-text-muted); }
.risk-success__reference { width: fit-content; margin: var(--space-3) auto; padding: 0.7rem 1rem; border: 1px solid var(--color-border); border-radius: var(--radius-md); background: var(--color-ivory); font-size: 0.85rem; }

/* Reusable dark risk-profile CTA for hub pages */
.risk-profile-cta { padding-block: clamp(2rem, 4vw, 3.25rem); }
.risk-profile-cta .container {
  width: 100%;
  max-width: none;
}
.risk-profile-cta__inner {
  position: relative;
  display: flex;
  min-height: 250px;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--space-3);
  padding: clamp(2.5rem, 5vw, 4.5rem) var(--container-pad);
  overflow: hidden;
  border: 1px solid rgba(226,189,87,0.28);
  border-radius: var(--radius-lg);
  background: radial-gradient(circle at 88% 10%, rgba(226,189,87,0.16), transparent 20rem), var(--color-near-black);
  box-shadow: var(--shadow-lg);
  text-align: center;
}
.risk-profile-cta__inner > div { display: grid; justify-items: center; }
.risk-profile-cta h2 { max-width: 25ch; color: var(--color-white); font-size: clamp(1.8rem, 3.4vw, 2.7rem); }
.risk-profile-cta p { max-width: 58ch; margin-top: 0.65rem; color: rgba(255,255,255,0.68); }
.risk-profile-cta .btn {
  border: 1px solid var(--color-gold);
  background: transparent;
  background-image: none;
  color: var(--color-gold);
  white-space: nowrap;
  box-shadow: none;
}
.risk-profile-cta .btn:hover {
  border-color: var(--color-gold);
  background: var(--color-gold);
  color: var(--color-near-black);
}

@media (max-width: 900px) {
  .risk-profile-hero__grid { grid-template-columns: 1fr; }
  .risk-profile-hero__facts { max-width: 560px; }
  .risk-form-layout { grid-template-columns: 1fr; }
  .risk-form-aside { position: static; }
  .risk-step-list { display: grid; grid-template-columns: repeat(5, 1fr); }
  .risk-step-list li { display: block; padding: 0; text-align: center; }
  .risk-step-list li:not(:last-child)::after { top: 15px; bottom: auto; left: 50%; width: 100%; height: 1px; }
  .risk-step-list li > span { margin-inline: auto; }
  .risk-step-list li div { display: none; }
  .risk-privacy-note { display: none; }
  .risk-profile-cta .btn { width: min(100%, 420px); }
}
@media (max-width: 680px) {
  .risk-profile-hero { padding-block: 4rem; }
  .risk-profile-hero h1 { font-size: clamp(2.2rem, 11vw, 2.375rem); }
  .risk-profile-hero__facts span { align-items: flex-start; flex-direction: column; gap: 0.2rem; }
  .risk-profile-hero__facts small { text-align: left; }
  .risk-form-section { padding-block: var(--space-4); }
  .risk-form-aside { padding: var(--space-2); }
  .risk-step, .risk-success { padding: 1.35rem; }
  .risk-options, .risk-options--2 { grid-template-columns: 1fr; }
  .risk-step__actions { align-items: stretch; flex-direction: column-reverse; }
  .risk-step__actions .btn { width: 100%; justify-content: center; }
  .risk-step__actions > span:empty { display: none; }
  .risk-result__label { align-items: flex-start; flex-direction: column; }
  .risk-result__label strong { text-align: left; }
  .risk-result__detail { grid-template-columns: 1fr; }
  .risk-profile-cta__inner { min-height: 230px; }
}

/* About page: adviser-reviewed content feature */
.content-review-section {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 7% 10%, rgba(226,189,87,0.09), transparent 26rem),
    #faf8f3;
}
.content-review-section::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background-image: linear-gradient(rgba(156,112,7,0.025) 1px, transparent 1px), linear-gradient(90deg, rgba(156,112,7,0.025) 1px, transparent 1px);
  background-size: 48px 48px;
  -webkit-mask-image: linear-gradient(90deg, #000, transparent 48%);
  mask-image: linear-gradient(90deg, #000, transparent 48%);
}
.content-review {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 0.98fr) minmax(420px, 1.02fr);
  gap: clamp(2.5rem, 6vw, 6rem);
  align-items: stretch;
}
.content-review__copy { padding-block: clamp(0.5rem, 2vw, 1.5rem); }
.content-review__copy h2 {
  max-width: 12ch;
  margin-top: var(--space-2);
  font-family: var(--font-heading);
  font-size: clamp(2.25rem, 3vw, 2.5rem);
  font-weight: 500;
  line-height: 0.98;
  letter-spacing: -0.035em;
}
.content-review__rule { display: block; width: 42px; height: 2px; margin-block: var(--space-3); background: var(--color-gold-deep); }
.content-review__body { display: grid; gap: 0.95rem; max-width: 61ch; }
.content-review__body p { color: var(--color-text); font-size: 0.98rem; line-height: 1.68; }
.content-review__goal {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: var(--space-2);
  align-items: center;
  margin-top: var(--space-3);
  padding: 1rem 1.15rem;
  border: 1px solid rgba(177,139,44,0.2);
  border-radius: var(--radius-lg);
  background: linear-gradient(110deg, rgba(226,189,87,0.12), rgba(255,255,255,0.72));
}
.content-review__goal-icon {
  display: grid;
  width: 46px;
  height: 46px;
  place-items: center;
  border: 1px solid rgba(156,112,7,0.3);
  border-radius: 50%;
  background: rgba(255,255,255,0.7);
  color: var(--color-gold-deep);
  box-shadow: 0 5px 16px rgba(156,112,7,0.1);
}
.content-review__goal-icon .icon { width: 22px; height: 22px; }
.content-review__goal p { color: var(--color-text); font-size: 0.86rem; line-height: 1.55; }
.content-review__proof {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.55rem;
  margin-top: var(--space-3);
}
.content-review__proof article {
  position: relative;
  min-width: 0;
  padding: 1rem 0.7rem 1.1rem;
  border: 1px solid rgba(177,139,44,0.2);
  border-radius: var(--radius-md);
  background: rgba(255,255,255,0.78);
  text-align: center;
  box-shadow: 0 10px 28px rgba(31,31,30,0.04);
}
.content-review__proof-icon {
  display: grid;
  width: 48px;
  height: 48px;
  margin-inline: auto;
  place-items: center;
  border: 1px solid rgba(177,139,44,0.24);
  border-radius: 50%;
  background: #fffdf8;
  color: var(--color-gold-deep);
}
.content-review__proof-icon .icon { width: 23px; height: 23px; }
.content-review__proof h3 { margin-top: 0.75rem; font-size: 0.9rem; }
.content-review__proof article > span { display: block; width: 22px; height: 1px; margin: 0.65rem auto; background: var(--color-gold-deep); }
.content-review__proof p { color: var(--color-text-muted); font-size: 0.72rem; line-height: 1.48; }
.content-review__media {
  position: relative;
  min-height: 720px;
  margin-bottom: var(--space-3);
}
.content-review__media > img:first-child {
  position: relative;
  z-index: 2;
  width: 100%;
  height: 100%;
  border-radius: 36px;
  object-fit: cover;
  object-position: 56% center;
  box-shadow: 0 24px 70px rgba(31,31,30,0.13);
}
.content-review__frame {
  position: absolute;
  z-index: 1;
  inset: 30px -22px -26px 28px;
  border: 1px solid rgba(190,147,53,0.55);
  border-radius: 36px;
}
.content-review__brand-mark {
  position: absolute;
  z-index: 3;
  top: 32%;
  left: -72px;
  display: grid;
  width: 144px;
  height: 144px;
  place-items: center;
  border: 4px solid #f1d98c;
  border-radius: 50%;
  background: var(--color-near-black);
  box-shadow: 0 18px 42px rgba(31,31,30,0.18), inset 0 0 0 5px #fff;
}
.content-review__brand-mark img { width: 86px; height: 86px; object-fit: cover; border-radius: 50%; }
.content-review__dots {
  position: absolute;
  z-index: 3;
  right: -30px;
  bottom: -8px;
  width: 210px;
  height: 70px;
  opacity: 0.55;
  background-image: radial-gradient(circle, var(--color-gold-deep) 2px, transparent 2.5px);
  background-size: 18px 18px;
}
@media (max-width: 1100px) {
  .content-review { grid-template-columns: 1fr; }
  .content-review__copy { max-width: 820px; }
  .content-review__copy h2 { max-width: none; }
  .content-review__media { min-height: 620px; margin-left: 54px; }
  .content-review__brand-mark { left: -54px; }
}
@media (max-width: 720px) {
  .content-review__copy h2 { font-size: clamp(2.15rem, 9vw, 2.4rem); }
  .content-review__proof { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .content-review__media { min-height: 440px; margin: 0 10px 18px 0; }
  .content-review__media > img:first-child { border-radius: 22px; }
  .content-review__frame { inset: 16px -10px -16px 14px; border-radius: 22px; }
  .content-review__brand-mark { top: auto; bottom: 24px; left: -8px; width: 92px; height: 92px; border-width: 3px; }
  .content-review__brand-mark img { width: 54px; height: 54px; }
  .content-review__dots { display: none; }
}
@media (max-width: 420px) {
  .content-review__goal { grid-template-columns: 1fr; }
  .content-review__proof { grid-template-columns: 1fr; }
  .content-review__proof article { display: grid; grid-template-columns: auto 1fr; column-gap: var(--space-2); align-items: center; text-align: left; }
  .content-review__proof-icon { grid-row: 1 / span 3; }
  .content-review__proof h3 { margin-top: 0; }
  .content-review__proof article > span { margin: 0.5rem 0; }
}

/* Living annuity page: editorial split features */
.annuity-editorial { position: relative; overflow: hidden; background: var(--color-white); }
.annuity-editorial--tint {
  background:
    radial-gradient(circle at 7% 12%, rgba(226,189,87,0.09), transparent 26rem),
    #faf8f3;
}
.annuity-editorial__grid {
  display: grid;
  grid-template-columns: minmax(0, 0.92fr) minmax(440px, 1.08fr);
  gap: clamp(3rem, 7vw, 7rem);
  align-items: stretch;
}
.annuity-editorial--image-first .annuity-editorial__grid {
  grid-template-columns: minmax(440px, 1.08fr) minmax(0, 0.92fr);
}
.annuity-editorial--image-first .annuity-editorial__media { grid-column: 1; grid-row: 1; }
.annuity-editorial--image-first .annuity-editorial__copy { grid-column: 2; grid-row: 1; }
.annuity-editorial--image-first .annuity-editorial__brand { left: auto; right: -64px; }
.annuity-editorial--image-first .annuity-editorial__dots { left: -30px; right: auto; }
.annuity-editorial--image-first .annuity-editorial__frame { inset: -24px 26px 26px -20px; }
.annuity-editorial__copy { position: relative; z-index: 2; }
.annuity-editorial__copy h2 {
  max-width: 15ch;
  margin-top: var(--space-2);
  font-family: var(--font-heading);
  font-size: clamp(2.1rem, 3vw, 2.75rem);
  font-weight: 500;
  line-height: 1.02;
  letter-spacing: -0.03em;
}
.annuity-editorial__rule { display: block; width: 42px; height: 2px; margin-block: var(--space-3); background: var(--color-gold-deep); }
.annuity-editorial__body { display: grid; gap: 1rem; max-width: 60ch; }
.annuity-editorial__body p { color: var(--color-text); font-size: 0.98rem; line-height: 1.72; }
.annuity-editorial__note {
  max-width: 60ch;
  margin-top: var(--space-3);
  padding: 1rem 1.15rem;
  border-left: 3px solid var(--color-gold-deep);
  background: linear-gradient(90deg, rgba(226,189,87,0.12), rgba(226,189,87,0.025));
  color: var(--color-text);
  font-size: 0.88rem;
  line-height: 1.58;
}
.annuity-editorial__media {
  position: relative;
  min-height: 0;
  margin: 0 var(--space-2) var(--space-3) 0;
}
.annuity-editorial__media > img:first-child {
  position: relative;
  z-index: 2;
  width: 100%;
  height: 100%;
  border: 1px solid rgba(190,147,53,0.3);
  border-radius: 28px;
  object-fit: cover;
  object-position: center;
  box-shadow: none;
}
.annuity-editorial__frame {
  position: absolute;
  z-index: 1;
  inset: 26px -20px -24px 26px;
  border: 1px solid rgba(190,147,53,0.52);
  border-radius: 34px;
}
.annuity-editorial__brand {
  position: absolute;
  z-index: 3;
  top: 50%;
  left: -64px;
  display: grid;
  width: 128px;
  height: 128px;
  place-items: center;
  border: 4px solid #f1d98c;
  border-radius: 50%;
  background: var(--color-near-black);
  box-shadow: inset 0 0 0 5px var(--color-white);
  transform: translateY(-50%);
}
.annuity-editorial__brand img { width: 76px; height: 76px; border-radius: 50%; object-fit: cover; }
.annuity-editorial__dots {
  position: absolute;
  z-index: 3;
  right: -30px;
  bottom: -8px;
  width: 210px;
  height: 72px;
  opacity: 0.58;
  background-image: radial-gradient(circle, var(--color-gold-deep) 2px, transparent 2.5px);
  background-size: 18px 18px;
}
@media (max-width: 1050px) {
  .annuity-editorial__grid { grid-template-columns: 1fr; }
  .annuity-editorial--image-first .annuity-editorial__grid { grid-template-columns: 1fr; }
  .annuity-editorial--image-first .annuity-editorial__media { grid-column: 1; grid-row: 1; }
  .annuity-editorial--image-first .annuity-editorial__copy { grid-column: 1; grid-row: 2; }
  .annuity-editorial__copy { max-width: 820px; }
  .annuity-editorial__copy h2 { max-width: 18ch; }
  .annuity-editorial__media { min-height: 520px; margin-left: 48px; }
  .annuity-editorial__brand { left: -48px; }
}
@media (max-width: 680px) {
  .annuity-editorial__copy h2 { font-size: clamp(2rem, 9vw, 2.4rem); }
  .annuity-editorial__media { min-height: 410px; margin: 0 8px 16px 0; }
  .annuity-editorial__media > img:first-child { border-radius: 20px; }
  .annuity-editorial__frame { inset: 15px -8px -15px 14px; border-radius: 22px; }
  .annuity-editorial__brand { top: auto; bottom: 20px; left: -8px; width: 88px; height: 88px; border-width: 3px; transform: none; }
  .annuity-editorial--image-first .annuity-editorial__brand { left: auto; right: -8px; }
  .annuity-editorial--image-first .annuity-editorial__dots { left: -8px; right: auto; }
  .annuity-editorial--image-first .annuity-editorial__frame { inset: -15px 14px 15px -8px; }
  .annuity-editorial__brand img { width: 52px; height: 52px; }
  .annuity-editorial__dots { right: -8px; bottom: -4px; width: 126px; height: 54px; background-size: 16px 16px; }
}

/* Living annuity page: drawdown-risk rows */
.drawdown-risk {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(500px, 1.1fr);
  gap: clamp(3rem, 7vw, 7rem);
  align-items: center;
  margin-top: clamp(2.5rem, 5vw, 4.5rem);
}
.drawdown-risk__head { max-width: 900px; margin-inline: auto; text-align: center; }
.drawdown-risk__head .eyebrow { justify-content: center; }
.drawdown-risk__head h2 { max-width: 22ch; margin: var(--space-2) auto 0; }
.drawdown-risk__copy > p { line-height: 1.72; }
.drawdown-risk__levels .divider-bars { margin-bottom: var(--space-3); }
.drawdown-risk__levels .stat-row {
  grid-template-columns: 1fr;
  gap: 0;
  border-top: 1px solid var(--color-border);
}
.drawdown-risk__levels .stat {
  display: grid;
  grid-template-columns: minmax(130px, 0.42fr) minmax(0, 1fr);
  gap: var(--space-3);
  align-items: center;
  padding: var(--space-3) 0 var(--space-3) var(--space-3);
  border-bottom: 1px solid var(--color-border);
  border-left: 2px solid var(--color-gold-deep);
}
.drawdown-risk__levels .stat__value { font-size: clamp(1.7rem, 2.5vw, 2.25rem); }
.drawdown-risk__levels .stat__label { line-height: 1.6; }
.drawdown-risk__disclaimer { margin-top: var(--space-3); color: var(--color-text-muted); line-height: 1.6; }
@media (max-width: 1000px) {
  .drawdown-risk { grid-template-columns: 1fr; }
  .drawdown-risk__copy { max-width: 760px; }
}
@media (max-width: 560px) {
  .drawdown-risk__levels .stat { grid-template-columns: 1fr; gap: 0.55rem; }
}

/* Site-wide CTA banners match the full-width risk-profile treatment. */
.cta-banner {
  display: flex;
  width: calc(100vw - (2 * var(--container-pad)));
  min-height: 250px;
  margin-left: calc(50% - 50vw + var(--container-pad));
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: clamp(2.5rem, 5vw, 4.5rem) var(--container-pad);
  border: 1px solid rgba(226,189,87,0.28);
  border-radius: var(--radius-lg);
  background: radial-gradient(circle at 88% 10%, rgba(226,189,87,0.16), transparent 20rem), var(--color-near-black);
  box-shadow: var(--shadow-lg);
  text-align: center;
}
.cta-banner h2 { max-width: 25ch; font-size: clamp(1.8rem, 3.4vw, 2.7rem); }
.cta-banner p { max-width: 58ch; margin-top: 0.65rem; color: rgba(255,255,255,0.68); }
.cta-banner__actions { margin-top: var(--space-3); }
.cta-banner .btn,
.cta-banner .btn--solid,
.cta-banner .btn--primary,
.cta-banner .btn--ghost-light {
  border: 1px solid var(--color-gold);
  background: transparent;
  background-image: none;
  color: var(--color-gold);
  box-shadow: none;
}
.cta-banner .btn:hover,
.cta-banner .btn--solid:hover,
.cta-banner .btn--primary:hover,
.cta-banner .btn--ghost-light:hover {
  border-color: var(--color-gold);
  background: var(--color-gold);
  color: var(--color-near-black);
}
@media (max-width: 680px) {
  .cta-banner { min-height: 230px; }
  .cta-banner__actions { width: min(100%, 420px); flex-direction: column; }
  .cta-banner__actions .btn { width: 100%; }
}

/* About page: people we advise */
.audience-section {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 50% 0, rgba(226, 189, 87, 0.1), transparent 30rem),
    #f7f7f5;
}
.audience-section__head {
  max-width: 1180px;
  margin-inline: auto;
  text-align: center;
}
.audience-section__head .eyebrow {
  justify-content: center;
  color: var(--color-accent-safe);
}
.audience-section__head h2 {
  max-width: none;
  margin: var(--space-2) auto 0;
  color: var(--color-near-black);
  font-family: var(--font-heading);
  font-size: clamp(2.35rem, 3.7vw, 3.2rem);
  font-weight: 600;
  line-height: 1.04;
  letter-spacing: -0.035em;
}
.audience-section__head > p:last-child {
  max-width: 68ch;
  margin: var(--space-3) auto 0;
  color: var(--color-text-muted);
  line-height: 1.65;
}
.audience-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
  margin-top: clamp(2.75rem, 5vw, 4.5rem);
}
.audience-card,
.audience-card--first,
.audience-card--established,
.audience-card--pre,
.audience-card--retired,
.audience-card--business,
.audience-card--transition {
  grid-column: span 1;
}
.audience-card {
  position: relative;
  display: grid;
  grid-template-columns: 64px minmax(0, 1fr);
  gap: clamp(1.1rem, 2vw, 1.6rem);
  min-height: 210px;
  padding: clamp(1.5rem, 3vw, 2.25rem);
  overflow: hidden;
  border: 1px solid rgba(31, 31, 30, 0.13);
  border-radius: var(--radius-md);
  background: var(--color-white);
  transition: transform var(--duration-fast) ease, border-color var(--duration-fast) ease;
}
.audience-card::before {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: 3px;
  background: var(--gradient-gold-fill);
  transform: scaleY(0);
  transform-origin: bottom;
  transition: transform var(--duration-fast) ease;
}
.audience-card:hover {
  transform: translateY(-3px);
  border-color: rgba(184, 132, 0, 0.45);
}
.audience-card:hover::before { transform: scaleY(1); }
.audience-card__number {
  position: absolute;
  right: 1.25rem;
  bottom: -0.45rem;
  color: var(--color-accent-safe);
  font-family: var(--font-heading);
  font-size: clamp(4.2rem, 7vw, 6.8rem);
  font-weight: 700;
  line-height: 1;
  letter-spacing: -0.06em;
  opacity: 0.07;
}
.audience-card__icon {
  position: relative;
  z-index: 1;
  display: grid;
  width: 58px;
  height: 58px;
  place-items: center;
  border: 1px solid rgba(184, 132, 0, 0.34);
  border-radius: 50%;
  background: rgba(226, 189, 87, 0.08);
  color: var(--color-accent-safe);
}
.audience-card__icon .icon {
  width: 24px;
  height: 24px;
  color: var(--color-gold-deep);
  stroke: currentColor;
}
.audience-card > div:last-child {
  position: relative;
  z-index: 1;
  align-self: center;
}
.audience-card__stage {
  color: var(--color-accent-safe);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.audience-card h3 {
  margin-top: 0.12rem;
  color: var(--color-near-black);
  font-size: clamp(1.35rem, 2vw, 1.8rem);
  line-height: 1.12;
}
.audience-card h3 + p {
  max-width: 45ch;
  margin-top: 0.65rem;
  color: var(--color-text-muted);
  font-size: 0.92rem;
  line-height: 1.6;
}
@media (max-width: 760px) {
  .audience-grid { grid-template-columns: 1fr; }
  .audience-card { min-height: 190px; }
}
@media (max-width: 520px) {
  .audience-section__head h2 { font-size: clamp(2.15rem, 10vw, 2.375rem); }
  .audience-card {
    grid-template-columns: 50px minmax(0, 1fr);
    min-height: 0;
    padding: 1.35rem;
  }
  .audience-card__icon { width: 48px; height: 48px; }
}

/* ============================================================
   Consultation booking page
   ============================================================ */
.consultation-hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding-block: clamp(4.5rem, 8vw, 7rem);
  background:
    linear-gradient(90deg, rgba(20,20,19,0.98) 0%, rgba(31,31,30,0.94) 54%, rgba(31,31,30,0.74) 100%),
    url("/assets/Images/financial-adviser-consultation-options.webp") center right / cover no-repeat;
  color: var(--color-white);
}
.consultation-hero::after {
  content: "";
  position: absolute;
  z-index: -1;
  top: -12rem;
  right: -8rem;
  width: 34rem;
  height: 34rem;
  border: 1px solid rgba(226,189,87,0.22);
  border-radius: 50%;
  box-shadow: 0 0 0 5rem rgba(226,189,87,0.025), 0 0 0 10rem rgba(226,189,87,0.018);
}
.consultation-hero__grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(310px, 0.8fr);
  gap: var(--column-gap);
  align-items: end;
}
.consultation-hero .eyebrow { color: var(--color-gold); }
.consultation-hero .eyebrow::before { background: var(--color-gold); }
.consultation-hero h1 {
  max-width: 13ch;
  margin-top: var(--space-2);
  color: var(--color-white);
  font-size: clamp(2.55rem, 5vw, 4.8rem);
  line-height: 0.96;
  letter-spacing: -0.045em;
}
.consultation-hero .lead {
  max-width: 58ch;
  margin-top: var(--space-3);
  color: rgba(255,255,255,0.74);
  line-height: 1.7;
}
.consultation-hero__facts {
  display: grid;
  border-top: 1px solid rgba(226,189,87,0.5);
  background: rgba(20,20,19,0.34);
  backdrop-filter: blur(4px);
}
.consultation-hero__facts span {
  display: grid;
  grid-template-columns: 28px minmax(0, 1fr) auto;
  gap: 0.8rem;
  align-items: center;
  padding: 1rem 0.8rem;
  border-bottom: 1px solid rgba(255,255,255,0.14);
}
.consultation-hero__facts .icon { width: 21px; height: 21px; color: var(--color-gold); }
.consultation-hero__facts strong { color: var(--color-white); font-size: 0.92rem; }
.consultation-hero__facts small { color: rgba(255,255,255,0.58); font-size: 0.75rem; text-align: right; }
.consultation-form-shell { box-shadow: none; }
.consultation-form-shell .risk-progress span { width: 25%; }
.consult-focus-details {
  margin-top: var(--space-3);
  padding: var(--space-3);
  border-left: 3px solid var(--color-gold);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  background: var(--color-ivory);
}
.consultation-date-grid { margin-top: var(--space-3); }
.consultation-review__grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1px;
  overflow: hidden;
  border: 1px solid rgba(226,189,87,0.28);
  border-radius: var(--radius-lg);
  background: rgba(226,189,87,0.22);
}
.consultation-review__grid > div {
  min-width: 0;
  padding: clamp(1.2rem, 3vw, 1.8rem);
  background: var(--color-near-black);
}
.consultation-review__grid dt {
  color: var(--color-gold);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.consultation-review__grid dd {
  margin: 0.55rem 0 0;
  color: var(--color-white);
  font-family: var(--font-ui);
  font-size: 1rem;
  font-weight: 600;
  line-height: 1.45;
  overflow-wrap: anywhere;
}
.consultation-consent {
  margin-top: var(--space-3);
  padding: var(--space-3);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: #fbfaf7;
}
.consultation-success__actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.75rem; }
.consultation-next-grid { gap: 8px; margin-top: var(--space-5); }
.consultation-options-grid { gap: 8px; }
.consultation-next-grid > div {
  min-height: 210px;
  padding: clamp(1.4rem, 3vw, 2rem);
  border: 1px solid var(--color-border);
  background: var(--color-white);
}
.consultation-next-grid > div > span {
  color: var(--color-gold-antique);
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 600;
  line-height: 1;
  opacity: 0.55;
}
.consultation-next-grid h3 { margin-top: var(--space-3); font-size: 1.35rem; }
.consultation-next-grid p { margin-top: 0.55rem; color: var(--color-text-muted); font-size: 0.9rem; }
@media (max-width: 900px) {
  .consultation-hero__grid { grid-template-columns: 1fr; }
  .consultation-hero__facts { max-width: 600px; }
  .consultation-form-aside .risk-step-list { grid-template-columns: repeat(4, 1fr); }
}
@media (max-width: 680px) {
  .consultation-hero { padding-block: 4rem; background-position: 62% center; }
  .consultation-hero h1 { font-size: clamp(2.35rem, 12vw, 3.15rem); }
  .consultation-hero__facts span { grid-template-columns: 26px 1fr; }
  .consultation-hero__facts small { grid-column: 2; text-align: left; }
  .consultation-review__grid { grid-template-columns: 1fr; }
  .consultation-success__actions { flex-direction: column; }
  .consultation-success__actions .btn { width: 100%; }
}

/* ============================================================
   About page: global regulatory awareness
   ============================================================ */
.global-regulation-section {
  position: relative;
  overflow: hidden;
  padding-block: clamp(3.75rem, 6vw, 5.25rem);
  background:
    radial-gradient(circle at 8% 0, rgba(226,189,87,0.11), transparent 25rem),
    #f6f4ee;
}
.global-regulation__head {
  display: grid;
  grid-template-columns: minmax(300px, 0.8fr) minmax(0, 1.2fr);
  gap: clamp(2rem, 5vw, 5rem);
  align-items: end;
}
.global-regulation__head h2 {
  max-width: 12ch;
  margin-top: 0.45rem;
  font-size: clamp(2.25rem, 4vw, 3.5rem);
  line-height: 1;
  letter-spacing: -0.035em;
}
.global-regulation__head > p {
  max-width: 68ch;
  padding-left: var(--space-3);
  border-left: 2px solid var(--color-gold);
  color: var(--color-text-muted);
  font-size: 0.95rem;
  line-height: 1.7;
}
.global-regulation__body {
  display: grid;
  grid-template-columns: minmax(230px, 0.72fr) minmax(0, 2fr);
  gap: 8px;
  margin-top: clamp(2.25rem, 4vw, 3.5rem);
}
.global-regulation__iosco {
  position: relative;
  min-height: 100%;
  padding: clamp(1.5rem, 3vw, 2.25rem);
  overflow: hidden;
  border-radius: var(--radius-md);
  background: radial-gradient(circle at 95% 8%, rgba(226,189,87,0.19), transparent 13rem), var(--color-near-black);
  color: var(--color-white);
}
.global-regulation__iosco > span {
  color: var(--color-gold);
  font-size: 0.67rem;
  font-weight: 700;
  letter-spacing: 0.13em;
  text-transform: uppercase;
}
.global-regulation__iosco > .global-regulation__iosco-link {
  display: block;
  width: fit-content;
  margin-top: var(--space-3);
  color: var(--color-gold);
  font-family: var(--font-heading);
  font-size: clamp(2.6rem, 5vw, 4.5rem);
  font-weight: 700;
  line-height: 0.9;
  letter-spacing: -0.05em;
  text-decoration: none;
}
.global-regulation__iosco-link:hover { color: var(--color-white); }
.global-regulation__iosco p {
  position: relative;
  z-index: 1;
  max-width: 32ch;
  margin-top: var(--space-3);
  color: rgba(255,255,255,0.7);
  font-size: 0.82rem;
  line-height: 1.65;
}
.global-regulation__iosco > .icon {
  position: absolute;
  right: -1.5rem;
  bottom: -1.5rem;
  width: 9rem;
  height: 9rem;
  color: var(--color-gold);
  opacity: 0.08;
}
.global-regulation__frameworks {
  padding: clamp(1.25rem, 2.5vw, 1.8rem);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: rgba(255,255,255,0.72);
}
.global-regulation__frameworks > p {
  color: var(--color-text-muted);
  font-size: 0.82rem;
}
.global-regulation__grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 8px;
  margin-top: var(--space-2);
}
.global-regulation__grid article {
  min-width: 0;
  padding: 0.95rem;
  border: 1px solid rgba(31,31,30,0.11);
  border-top-color: rgba(156,112,7,0.48);
  border-radius: var(--radius-sm);
  background: var(--color-white);
}
.global-regulation__grid article > span {
  color: var(--color-gold-deep);
  font-size: 0.61rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
.global-regulation__grid article > strong {
  display: flex;
  align-items: baseline;
  flex-wrap: wrap;
  gap: 0.3rem;
  margin-top: 0.35rem;
  color: var(--color-near-black);
  font-family: var(--font-heading);
  font-size: 1.05rem;
  line-height: 1.15;
}
.global-regulation__grid article > strong a {
  color: var(--color-near-black);
  text-decoration: none;
  text-decoration-thickness: 1px;
  text-underline-offset: 0.2em;
}
.global-regulation__grid article > strong a:hover {
  color: var(--color-gold-deep);
  text-decoration: underline;
}
.global-regulation__grid article > strong i {
  color: var(--color-text-muted);
  font-size: 0.78em;
  font-style: normal;
  font-weight: 500;
}
.global-regulation__iosco-link:focus-visible,
.global-regulation__grid article > strong a:focus-visible {
  outline: 2px solid var(--color-gold-deep);
  outline-offset: 3px;
}
.global-regulation__grid article p {
  margin-top: 0.4rem;
  color: var(--color-text-muted);
  font-size: 0.68rem;
  line-height: 1.45;
}
.global-regulation__close {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  margin-top: 8px;
}
.global-regulation__close p {
  padding: 1.15rem 1.25rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.68);
  color: var(--color-text-muted);
  font-size: 0.78rem;
  line-height: 1.6;
}
.global-regulation__close strong { color: var(--color-near-black); }
.global-regulation__clarity {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  margin-top: var(--space-2);
  color: var(--color-text-muted);
  font-size: 0.7rem;
  line-height: 1.5;
}
.global-regulation__clarity .icon { width: 17px; height: 17px; flex: 0 0 auto; color: var(--color-gold-deep); }
@media (max-width: 980px) {
  .global-regulation__head { grid-template-columns: 1fr; gap: var(--space-3); }
  .global-regulation__head h2 { max-width: none; }
  .global-regulation__head > p { max-width: 72ch; }
  .global-regulation__body { grid-template-columns: 1fr; }
  .global-regulation__iosco { min-height: 260px; }
  .global-regulation__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 620px) {
  .global-regulation__head h2 { font-size: clamp(2.1rem, 10vw, 2.75rem); }
  .global-regulation__head > p { padding-left: var(--space-2); }
  .global-regulation__grid,
  .global-regulation__close { grid-template-columns: 1fr; }
  .global-regulation__iosco { min-height: 230px; }
}

/* ============================================================
   About page: editorial story triptych
   ============================================================ */
.about-story-section {
  overflow: hidden;
  padding-bottom: 2rem;
  background: #faf9f6;
}
.about-advisers-section { padding-top: 2.5rem; }
.about-story {
  display: grid;
  grid-template-columns: minmax(0, 1.45fr) minmax(180px, 0.55fr) minmax(180px, 0.55fr);
  gap: 8px;
  align-items: stretch;
}
.about-story__copy {
  display: flex;
  min-width: 0;
  min-height: 520px;
  flex-direction: column;
  justify-content: space-between;
  gap: var(--space-4);
  padding: clamp(1.75rem, 3.5vw, 3rem);
  border: 0;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.82);
}
.about-story__copy h2 {
  max-width: 15ch;
  margin-top: 0.5rem;
  font-size: clamp(2rem, 3.5vw, 2.375rem);
  line-height: 1.02;
  letter-spacing: -0.035em;
}
.about-story__body {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.9rem clamp(1rem, 2vw, 1.6rem);
}
.about-story__body p {
  color: var(--color-text-muted);
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.6;
}
.about-story__body strong { color: var(--color-near-black); font-weight: 600; }
.about-story__image {
  position: relative;
  min-width: 0;
  min-height: 520px;
  overflow: visible;
  border-radius: var(--radius-sm);
  background: var(--color-near-black);
}
.about-story__image > img {
  width: 100%;
  height: 100%;
  min-height: 520px;
  border-radius: inherit;
  object-fit: cover;
}
.about-story__image--clients > img { object-position: 18% center; }
.about-story__image--adviser > img { object-position: 38% center; }
.about-story__image::after {
  content: "";
  position: absolute;
  inset: 0;
  border: 1px solid rgba(255,255,255,0.24);
  border-radius: inherit;
  background: linear-gradient(180deg, rgba(31,31,30,0.05), rgba(31,31,30,0.2));
  pointer-events: none;
}
.about-story__badge {
  position: absolute;
  z-index: 2;
  display: flex;
  align-items: center;
  gap: 0.65rem;
  min-width: 164px;
  padding: 0.75rem 0.9rem;
  border: 1px solid rgba(226,189,87,0.55);
  border-radius: var(--radius-sm);
  background: var(--color-near-black);
  color: var(--color-white);
}
.about-story__badge .icon { width: 21px; height: 21px; flex: 0 0 auto; color: var(--color-gold); }
.about-story__badge strong { display: block; color: var(--color-gold); font-size: 0.76rem; line-height: 1.2; }
.about-story__badge small { display: block; margin-top: 0.12rem; color: rgba(255,255,255,0.65); font-size: 0.62rem; line-height: 1.25; }
.about-story__badge--top { top: 24px; left: 0; transform: translateX(-24px); }
.about-story__badge--bottom { right: 0; bottom: 24px; transform: translateX(24px); }
@media (max-width: 980px) {
  .about-story { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .about-story__copy { grid-column: 1 / -1; min-height: 0; }
  .about-story__image,
  .about-story__image > img { min-height: 390px; }
  .about-story__image--clients > img { object-position: center; }
}
@media (max-width: 620px) {
  .about-story { grid-template-columns: 1fr; }
  .about-story__copy { grid-column: auto; padding: 1.5rem; }
  .about-story__body { grid-template-columns: 1fr; }
  .about-story__image,
  .about-story__image > img { min-height: 340px; }
  .about-story__badge--top { top: 16px; left: 16px; transform: none; }
  .about-story__badge--bottom { right: 16px; bottom: 16px; transform: none; }
}