:root {
  --blue: #102a43;
  --blue-2: #183b56;
  --navy-deep: #071a2c;
  --teal: #0e7c86;
  --teal-bright: #16a6ad;
  --gold: #c69b47;
  --gold-soft: #e7c878;
  --ink: #172033;
  --muted: #637083;
  --line: #dce4ec;
  --soft: #f4f7fa;
  --white: #ffffff;
  --shadow: 0 18px 50px rgba(16, 42, 67, 0.12);
  --shadow-strong: 0 28px 80px rgba(7, 26, 44, 0.22);
  --ease: cubic-bezier(0.2, 0.8, 0.2, 1);
}

* { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Public Sans", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: linear-gradient(180deg, #fffaf4 0%, #fffdf9 35%, #ffffff 100%);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-overflow-scrolling: touch;
}

h1, h2, h3, h4 {
  font-family: "Public Sans", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-weight: 600;
  letter-spacing: 0;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.container {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.narrow { width: min(820px, calc(100% - 40px)); }

.site-header {
  position: sticky;
  top: 10px;
  z-index: 40;
  width: min(1180px, calc(100% - 28px));
  margin: 10px auto 0;
  border: 1px solid rgba(16, 42, 67, 0.09);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.98);
  box-shadow: 0 16px 46px rgba(16, 42, 67, 0.07);
  transition: box-shadow 220ms ease, background 220ms ease, border-color 220ms ease;
}

.site-header.is-scrolled {
  background: rgba(255, 255, 255, 0.985);
  border-color: rgba(24, 59, 86, 0.14);
  box-shadow: 0 20px 56px rgba(16, 42, 67, 0.1);
}

.header-inner {
  width: 100%;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  padding: 0 14px 0 18px;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  color: var(--blue);
  letter-spacing: 0;
  transition: transform 220ms var(--ease), filter 220ms ease;
}

.logo:hover {
  transform: translateY(-1px);
}

.brand-logo {
  display: block;
  width: clamp(150px, 16vw, 198px);
  height: auto;
}

.logo-mark {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 8px;
  background: linear-gradient(145deg, var(--blue), var(--teal));
  color: var(--white);
  box-shadow: inset 0 -4px 0 rgba(255, 255, 255, 0.18), 0 10px 24px rgba(14, 124, 134, 0.24);
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 500;
  color: var(--blue-2);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 5px;
  border: 1px solid rgba(16, 42, 67, 0.08);
  border-radius: 8px;
  background: #fbfcfd;
}

.main-nav a:not(.button) {
  position: relative;
  display: inline-flex;
  align-items: center;
  min-height: 38px;
  padding: 0 14px;
  border-radius: 7px;
  color: #16344e;
  font-size: 0.94rem;
  font-weight: 600;
  transition: color 180ms ease, background 180ms ease, box-shadow 180ms ease;
}

.main-nav a:not(.button)::after {
  content: none;
}

.main-nav a:hover,
.main-nav a[aria-current="page"] {
  color: var(--blue);
  background: #f4f7fa;
  box-shadow: inset 0 0 0 1px rgba(16, 42, 67, 0.05);
}

.main-nav a[aria-current="page"] {
  background: transparent;
  box-shadow: none;
}

.button,
button.button {
  position: relative;
  overflow: hidden;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 20px;
  border: 1px solid var(--teal);
  border-radius: 8px;
  background: linear-gradient(135deg, var(--teal), var(--teal-bright));
  color: var(--white);
  font-weight: 600;
  cursor: pointer;
  box-shadow: 0 10px 22px rgba(14, 124, 134, 0.18);
  transition: transform 220ms var(--ease), box-shadow 220ms var(--ease), border-color 220ms ease;
}

.button::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(110deg, transparent 0%, rgba(255, 255, 255, 0.28) 42%, transparent 70%);
  transform: translateX(-120%);
  transition: transform 700ms var(--ease);
}

.button:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 28px rgba(14, 124, 134, 0.22);
}

.button:hover::before { transform: translateX(120%); }

.button-small { min-height: 42px; padding: 0 16px; }
.header-cta {
  min-height: 48px;
  padding: 0 18px;
  border-color: transparent;
  background: linear-gradient(180deg, #162b58, #112245);
  box-shadow: 0 12px 30px rgba(17, 34, 69, 0.2);
  white-space: nowrap;
}

.header-cta::after {
  content: none;
}

.header-cta:hover {
  background: linear-gradient(135deg, #c69b47 0%, #d98934 48%, #f36b1c 100%);
  border-color: rgba(198, 105, 35, 0.42);
  box-shadow: 0 14px 32px rgba(198, 105, 35, 0.2);
}

.button-ghost {
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.28);
  box-shadow: none;
}
.button-light { background: var(--white); color: var(--blue); border-color: var(--white); }

.nav-toggle {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid rgba(220, 228, 236, 0.95);
  border-radius: 8px;
  background: #f7fafc;
  transition: background 180ms ease, border-color 180ms ease;
}

.nav-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 5px auto;
  background: var(--blue);
  border-radius: 999px;
  transition: transform 220ms var(--ease), opacity 180ms ease;
}

.nav-toggle[aria-expanded="true"] {
  background: linear-gradient(135deg, #c69b47 0%, #d98934 48%, #f36b1c 100%);
  border-color: rgba(198, 105, 35, 0.42);
}

.nav-toggle[aria-expanded="true"] span {
  background: var(--navy-deep);
}

.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);
}

.hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding: 84px 0 36px;
  background:
    linear-gradient(115deg, rgba(7, 26, 44, 0.98), rgba(16, 42, 67, 0.78) 58%, rgba(14, 124, 134, 0.56)),
    url("https://images.unsplash.com/photo-1497366811353-6870744d04b2?auto=format&fit=crop&w=1800&q=80") center/cover;
  color: var(--white);
}

.hero::before,
.hero::after {
  content: "";
  position: absolute;
  z-index: -1;
  pointer-events: none;
}

.hero::before {
  width: 58vw;
  height: 58vw;
  right: -22vw;
  top: -28vw;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(231, 200, 120, 0.18), rgba(14, 124, 134, 0.08) 42%, transparent 68%);
}

.hero::after {
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.055) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.055) 1px, transparent 1px);
  background-size: 72px 72px;
  opacity: 0.18;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(320px, 0.8fr);
  gap: 56px;
  align-items: center;
}

.hero-premium {
  min-height: auto;
  padding: 72px 0 30px;
  background:
    linear-gradient(112deg, rgba(5, 18, 31, 0.96), rgba(12, 37, 58, 0.84) 48%, rgba(11, 79, 88, 0.5)),
    url("https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1800&q=82") center/cover;
}

.hero-premium .hero-grid {
  grid-template-columns: minmax(0, 0.96fr) minmax(360px, 0.84fr);
  gap: clamp(34px, 6vw, 76px);
}

.hero-premium h1 {
  max-width: 690px;
  font-size: clamp(2.65rem, 5.4vw, 4.6rem);
  line-height: 1.04;
}

.hero-premium .lead {
  max-width: 610px;
  color: rgba(255, 255, 255, 0.82);
}

.hero-visual {
  position: relative;
  min-height: 470px;
  align-self: stretch;
}

.hero-visual figure {
  position: absolute;
  inset: 0 0 48px 34px;
  margin: 0;
  overflow: hidden;
  border-radius: 8px;
  box-shadow: 0 30px 80px rgba(0, 0, 0, 0.25);
}

.hero-visual figure::after,
.feature-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 42%, rgba(5, 18, 31, 0.28));
}

.hero-visual img,
.feature-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.market-note,
.asset-note {
  position: absolute;
  z-index: 2;
  width: min(260px, 62%);
  padding: 16px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.92);
  color: var(--blue);
  box-shadow: 0 18px 46px rgba(0, 0, 0, 0.2);
}

.market-note {
  left: 0;
  bottom: 96px;
}

.asset-note {
  right: 0;
  bottom: 0;
  background: rgba(7, 26, 44, 0.94);
  color: var(--white);
}

.market-note span,
.asset-note span {
  display: block;
  margin-bottom: 5px;
  color: var(--gold);
  font-size: 0.76rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.market-note strong,
.asset-note strong {
  display: block;
  line-height: 1.25;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--gold);
  text-transform: uppercase;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
}

h1, h2, h3, p { margin-top: 0; }

h1 {
  max-width: 850px;
  font-size: clamp(2.35rem, 5vw, 4.2rem);
  line-height: 1.02;
  margin-bottom: 22px;
  letter-spacing: 0;
}

h2 {
  font-size: clamp(1.7rem, 2.65vw, 2.35rem);
  line-height: 1.15;
  color: var(--blue);
  margin-bottom: 16px;
  letter-spacing: 0;
}

h3 {
  font-size: 1.12rem;
  line-height: 1.3;
  color: var(--blue);
  margin-bottom: 10px;
  letter-spacing: 0;
}

.lead {
  max-width: 690px;
  font-size: 1.18rem;
  color: rgba(255, 255, 255, 0.86);
}

.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 30px; }

.hero-premium .hero-actions {
  margin-top: 26px;
}

.hero-panel {
  display: grid;
  gap: 14px;
}

.hero-card {
  position: relative;
  overflow: hidden;
  padding: 22px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.12);
  transform: translateZ(0);
  transition: transform 180ms ease, background 220ms ease, border-color 220ms ease;
  box-shadow: 0 14px 34px rgba(0, 0, 0, 0.12);
}

.hero-card::after {
  content: "";
  position: absolute;
  inset: -1px;
  background: linear-gradient(120deg, transparent, rgba(255, 255, 255, 0.2), transparent);
  transform: translateX(-110%);
  transition: transform 900ms var(--ease);
}

.hero-card:hover {
  transform: translateY(-3px);
  background: rgba(255, 255, 255, 0.16);
  border-color: rgba(255, 255, 255, 0.36);
}

.hero-card:hover::after { transform: translateX(110%); }

.hero-card span {
  display: block;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.9rem;
}

.hero-card strong {
  display: block;
  margin-top: 6px;
  font-size: 1.15rem;
}

.trust-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 42px;
}

.trust-strip span {
  padding: 10px 14px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.88);
  font-weight: 600;
  font-size: 0.92rem;
  transition: transform 200ms var(--ease), background 200ms ease;
}

.trust-strip span:hover {
  transform: translateY(-2px);
  background: rgba(255, 255, 255, 0.16);
}

.section { padding: 76px 0; }
.section-muted {
  position: relative;
  background: var(--soft);
}

.signature-section {
  position: relative;
  overflow: hidden;
  background:
    linear-gradient(90deg, rgba(244, 247, 250, 0.92), rgba(255, 255, 255, 0.98)),
    url("https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1800&q=82") center/cover;
  border-bottom: 1px solid var(--line);
}

.principles-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: clamp(34px, 6vw, 92px);
  align-items: start;
  padding: 70px 0;
}

.principles-lead {
  max-width: 560px;
}

.principles-lead h2 {
  font-size: clamp(1.95rem, 3.2vw, 3rem);
  line-height: 1.1;
}

.principles-lead p {
  color: var(--muted);
  font-size: 1.05rem;
}

.principles-list {
  display: grid;
  gap: 0;
  border-top: 1px solid rgba(16, 42, 67, 0.16);
}

.principles-list article {
  display: grid;
  grid-template-columns: 54px minmax(160px, 0.48fr) minmax(0, 1fr);
  gap: 22px;
  padding: 24px 0;
  border-bottom: 1px solid rgba(16, 42, 67, 0.14);
}

.principles-list span {
  color: var(--gold);
  font-weight: 900;
  letter-spacing: 0.08em;
}

.principles-list h3 {
  margin-bottom: 0;
}

.principles-list p {
  margin-bottom: 0;
  color: var(--muted);
}

.split-feature {
  display: grid;
  grid-template-columns: minmax(320px, 0.9fr) minmax(0, 1.1fr);
  gap: clamp(32px, 5vw, 70px);
  align-items: center;
}

.feature-media {
  position: relative;
  overflow: hidden;
  border-radius: 8px;
  background: var(--blue);
  box-shadow: 0 24px 60px rgba(16, 42, 67, 0.16);
}

.feature-media.tall {
  min-height: 520px;
}

.feature-content {
  max-width: 650px;
}

.feature-content h2 {
  font-size: clamp(2rem, 3.7vw, 3.35rem);
  line-height: 1.08;
}

.service-editorial {
  margin-top: 34px;
  border-top: 1px solid var(--line);
}

.service-editorial article {
  display: grid;
  grid-template-columns: minmax(180px, 0.5fr) minmax(0, 1fr);
  gap: 22px;
  padding: 20px 0;
  border-bottom: 1px solid var(--line);
}

.service-editorial h3 {
  margin-bottom: 0;
}

.service-editorial p {
  margin-bottom: 0;
  color: var(--muted);
}

.process-premium {
  padding: 76px 0;
  background:
    linear-gradient(rgba(244, 247, 250, 0.94), rgba(244, 247, 250, 0.94)),
    url("https://images.unsplash.com/photo-1497366412874-3415097a27e7?auto=format&fit=crop&w=1800&q=82") center/cover;
}

.timeline {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  border-top: 1px solid rgba(16, 42, 67, 0.18);
}

.timeline article {
  position: relative;
  padding: 34px 28px 8px 0;
}

.timeline article::before {
  content: "";
  position: absolute;
  top: -6px;
  left: 0;
  width: 11px;
  height: 11px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 8px rgba(198, 155, 71, 0.14);
}

.timeline span {
  display: block;
  margin-bottom: 22px;
  color: var(--teal);
  font-size: 0.82rem;
  font-weight: 900;
  letter-spacing: 0.08em;
}

.timeline p {
  color: var(--muted);
}

.advisory-section {
  background: #ffffff;
}

.advisory-grid {
  display: grid;
  grid-template-columns: minmax(280px, 0.8fr) minmax(0, 1.2fr);
  gap: clamp(30px, 6vw, 84px);
  align-items: start;
}

.advisory-copy {
  position: sticky;
  top: 118px;
}

.advisory-list {
  display: grid;
  gap: 0;
  border-top: 1px solid var(--line);
}

.advisory-list article {
  padding: 24px 0;
  border-bottom: 1px solid var(--line);
}

.advisory-list p {
  color: var(--teal);
  font-size: 0.82rem;
  font-weight: 900;
}

.advisory-list h3 {
  font-size: clamp(1.18rem, 2vw, 1.65rem);
}

.cta-image {
  min-height: 350px;
  display: flex;
  align-items: center;
  background:
    linear-gradient(105deg, rgba(5, 18, 31, 0.94), rgba(16, 42, 67, 0.72), rgba(14, 124, 134, 0.44)),
    url("https://images.unsplash.com/photo-1505664194779-8beaceb93744?auto=format&fit=crop&w=1800&q=82") center/cover;
}

.section-heading {
  max-width: 720px;
  margin-bottom: 34px;
}

.section-heading.row {
  max-width: none;
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 20px;
}

.card-grid {
  display: grid;
  gap: 18px;
}

.card-grid.four { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.card-grid.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }

.info-card,
.service-card,
.article-card,
.contact-card,
.side-note {
  position: relative;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.9);
  padding: 26px;
  box-shadow: 0 1px 0 rgba(16, 42, 67, 0.03);
  transition: transform 200ms var(--ease), box-shadow 200ms var(--ease), border-color 200ms ease;
}

.info-card { border-top: 4px solid var(--teal); }

.info-card::before,
.service-card::before,
.article-card::before,
.contact-card::before,
.side-note::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(14, 124, 134, 0.08), transparent 44%);
  opacity: 0;
  transition: opacity 240ms ease;
}

.info-card:hover,
.service-card:hover,
.article-card:hover,
.contact-card:hover,
.side-note:hover {
  transform: translateY(-6px);
  border-color: rgba(14, 124, 134, 0.28);
  background: #ffffff;
  box-shadow: 0 12px 28px rgba(16, 42, 67, 0.1);
}

.info-card:hover::before,
.service-card:hover::before,
.article-card:hover::before,
.contact-card:hover::before,
.side-note:hover::before { opacity: 1; }

.info-card > *,
.service-card > *,
.article-card > *,
.contact-card > *,
.side-note > * {
  position: relative;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.service-card ul {
  margin: 0;
  padding-left: 20px;
  color: var(--muted);
}

.process {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0;
  border: 1px solid rgba(220, 228, 236, 0.9);
  border-radius: 8px;
  overflow: hidden;
  background: #ffffff;
  box-shadow: 0 10px 26px rgba(16, 42, 67, 0.06);
}

.process div {
  position: relative;
  padding: 28px;
  border-right: 1px solid var(--line);
  transition: background 220ms ease, transform 220ms var(--ease);
}

.process div::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--teal-bright));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 260ms var(--ease);
}

.process div:hover {
  background: #fbfdff;
  transform: translateY(-3px);
}

.process div:hover::before { transform: scaleX(1); }

.process div:last-child { border-right: 0; }

.process span {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  margin-bottom: 18px;
  background: rgba(14, 124, 134, 0.1);
  color: var(--teal);
  font-weight: 800;
  box-shadow: inset 0 0 0 1px rgba(14, 124, 134, 0.18);
}

.article-card p {
  color: var(--teal);
  font-weight: 800;
  font-size: 0.86rem;
}

.article-card span { color: var(--muted); }
.article-card img { aspect-ratio: 16 / 9; object-fit: cover; border-radius: 6px; margin-bottom: 18px; }

.text-link {
  display: inline-flex;
  margin-top: 14px;
  color: var(--teal);
  font-weight: 800;
}

.cta-band {
  position: relative;
  overflow: hidden;
  padding: 58px 0;
  background:
    radial-gradient(circle at 76% 20%, rgba(231, 200, 120, 0.2), transparent 20rem),
    linear-gradient(135deg, var(--navy-deep), var(--blue) 58%, #0b4f58);
  color: var(--white);
}

.cta-band::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(120deg, rgba(255, 255, 255, 0.08) 0 1px, transparent 1px);
  background-size: 90px 90px;
  opacity: 0.34;
}

.cta-inner {
  position: relative;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
}

.cta-inner h2 { color: var(--white); }
.cta-inner p:last-child { margin-bottom: 0; color: rgba(255, 255, 255, 0.78); }

.page-hero {
  position: relative;
  overflow: hidden;
  padding: 64px 0 42px;
  background: linear-gradient(180deg, #fff8ee 0%, #fffdf8 62%, #ffffff 100%);
  border-bottom: 1px solid rgba(198, 155, 71, 0.18);
}

.page-hero p { color: var(--muted); font-size: 1.1rem; }
.page-hero .eyebrow { color: #c77426; font-size: 0.78rem; }

.post .page-hero .narrow {
  width: min(980px, calc(100% - 40px));
}

.post .page-hero h1 {
  max-width: 980px;
  font-size: clamp(2.35rem, 4vw, 3.65rem);
  line-height: 1.06;
}

.contact-hero {
  padding: 82px 0 76px;
  background:
    linear-gradient(105deg, rgba(5, 18, 31, 0.94), rgba(16, 42, 67, 0.78) 52%, rgba(14, 124, 134, 0.42)),
    url("https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1800&q=82") center/cover;
  color: var(--white);
}

.contact-hero h1 {
  max-width: 760px;
  color: var(--white);
  font-size: clamp(2.35rem, 5vw, 4.15rem);
}

.contact-hero p {
  max-width: 650px;
  color: rgba(255, 255, 255, 0.78);
}

.contact-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 0.38fr);
  gap: clamp(28px, 6vw, 80px);
  align-items: end;
}

.contact-hero-note {
  padding: 22px;
  border: 1px solid rgba(255, 255, 255, 0.24);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.1);
}

.contact-hero-note span {
  display: block;
  margin-bottom: 9px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.contact-hero-note strong {
  color: var(--white);
  font-size: 1.1rem;
  line-height: 1.35;
}

.contact-section {
  background:
    linear-gradient(180deg, #fff6ea 0%, #fffdf8 48%, #ffffff 100%);
}

.contact-premium-grid {
  display: grid;
  grid-template-columns: minmax(320px, 0.85fr) minmax(0, 1.05fr);
  gap: clamp(30px, 6vw, 82px);
  align-items: start;
}

.contact-panel,
.contact-form-card {
  border-radius: 8px;
  background: linear-gradient(180deg, #ffffff 0%, #fffdf8 100%);
  border: 1px solid rgba(198, 155, 71, 0.2);
  box-shadow: 0 18px 50px rgba(129, 84, 32, 0.08);
}

.contact-panel {
  position: sticky;
  top: 112px;
  padding: 34px;
}

.contact-panel::before {
  content: none;
}

.contact-panel h2,
.form-heading h2 {
  font-size: clamp(1.65rem, 2.6vw, 2.25rem);
}

.contact-lines {
  display: grid;
  gap: 22px;
  margin-top: 26px;
}

.contact-lines div {
  padding-bottom: 18px;
  border-bottom: 1px solid var(--line);
}

.contact-lines div:last-child {
  border-bottom: 0;
}

.contact-lines span {
  display: block;
  margin-bottom: 5px;
  color: var(--muted);
  font-size: 0.82rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.contact-lines strong,
.contact-lines a {
  color: var(--blue);
  font-size: 1.05rem;
  font-weight: 800;
}

.contact-regulator {
  margin: 28px 0 0;
  padding: 0;
  background: transparent;
  color: #707883;
  font-size: 0.92rem;
  line-height: 1.65;
}

.contact-form-card {
  padding: 34px;
}

.contact-form-card.form {
  gap: 20px;
}

.contact-form-card .button {
  border-color: #f36b1c;
  background: #f36b1c;
  box-shadow: 0 14px 28px rgba(243, 107, 28, 0.22);
}

.form-heading {
  margin-bottom: 4px;
}

.form-heading h2 {
  margin-bottom: 0;
  font-size: clamp(1.55rem, 2.2vw, 2rem);
}

.contact-form-card .form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.contact-form-card label {
  color: var(--blue);
  gap: 8px;
}

.contact-form-card input,
.contact-form-card select {
  min-height: 50px;
}

.contact-form-card textarea {
  min-height: 150px;
}

.content-grid,
.contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(300px, 0.75fr);
  gap: 36px;
  align-items: start;
}

.rich-text {
  font-size: 1.08rem;
  color: #2c3a4d;
}

.rich-text a { color: var(--teal); font-weight: 700; }
.rich-text h2 { font-size: 1.55rem; margin-top: 32px; }

.side-note { background: var(--soft); }

.profile-card {
  display: grid;
  gap: 18px;
}

.profile-photo {
  overflow: hidden;
  border-radius: 8px;
  background: linear-gradient(180deg, #d8e2eb, #f4f7fa);
  aspect-ratio: 4 / 5;
}

.profile-portrait {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.service-list {
  display: grid;
  gap: 16px;
}

.service-list article {
  display: grid;
  grid-template-columns: 70px minmax(0, 0.85fr) minmax(0, 1fr);
  gap: 24px;
  padding: 28px 0;
  border-bottom: 1px solid var(--line);
}

.service-list span {
  color: var(--gold);
  font-weight: 800;
}

.form {
  display: grid;
  gap: 16px;
}

.hp-field {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

label {
  display: grid;
  gap: 7px;
  font-weight: 700;
  color: var(--blue);
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 13px 14px;
  font: inherit;
  color: var(--ink);
  background: var(--white);
  transition: border-color 180ms ease, box-shadow 180ms ease, transform 180ms ease;
}

textarea { resize: vertical; }

input:focus,
select:focus,
textarea:focus {
  outline: 0;
  border-color: rgba(211, 124, 42, 0.62);
  box-shadow: 0 0 0 4px rgba(243, 107, 28, 0.11);
}

.checkbox {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 2px 0 0;
  font-size: 0.9rem;
  line-height: 1.4;
  font-weight: 500;
  color: var(--muted);
}

.checkbox input {
  flex: 0 0 auto;
  width: 18px;
  height: 18px;
  margin: 0;
}

.checkbox span {
  min-width: 0;
}

.mobile-break {
  display: none;
}

.contact-success-modal {
  position: fixed;
  inset: 0;
  z-index: 90;
  display: grid;
  place-items: center;
  padding: 22px;
}

.contact-success-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(53, 47, 40, 0.38);
  backdrop-filter: blur(5px);
}

.contact-success-card {
  position: relative;
  z-index: 1;
  width: min(380px, 100%);
  padding: 30px 28px 28px;
  border: 1px solid rgba(198, 155, 71, 0.24);
  border-radius: 8px;
  background: linear-gradient(180deg, #ffffff 0%, #fff8ee 100%);
  color: #5f6670;
  box-shadow: 0 26px 70px rgba(86, 61, 37, 0.2);
  text-align: center;
}

.contact-success-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 5px;
  border-radius: 8px 8px 0 0;
  background: linear-gradient(90deg, var(--gold), #d98934, #f36b1c);
}

.contact-success-card .eyebrow {
  margin-bottom: 12px;
  color: #c18a34;
}

.contact-success-card h2 {
  margin-bottom: 8px;
  color: #343b44;
  font-size: clamp(1.55rem, 3vw, 1.9rem);
  font-weight: 600;
  line-height: 1.12;
}

.contact-success-card p:not(.eyebrow) {
  margin-bottom: 22px;
  color: #707883;
  font-size: 0.98rem;
}

.contact-success-card .button {
  min-width: 136px;
  min-height: 44px;
  border-color: #f36b1c;
  background: #f36b1c;
  color: #ffffff;
  box-shadow: 0 14px 28px rgba(243, 107, 28, 0.2);
}

.contact-success-close {
  position: absolute;
  top: 12px;
  right: 12px;
  width: 36px;
  height: 36px;
  border: 1px solid rgba(198, 155, 71, 0.24);
  border-radius: 50%;
  background: #fffaf3;
  color: #555c65;
  font-size: 1.35rem;
  line-height: 1;
  cursor: pointer;
}

.notice {
  padding: 14px 16px;
  border-radius: 8px;
  border: 1px solid var(--line);
  background: var(--soft);
  color: var(--blue);
}

.notice.success { border-color: rgba(14, 124, 134, 0.35); background: rgba(14, 124, 134, 0.08); }
.notice.error { border-color: rgba(180, 35, 24, 0.25); background: rgba(180, 35, 24, 0.08); }

.filters {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 26px;
}

.filters span {
  padding: 9px 13px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--white);
  color: var(--blue-2);
  font-weight: 700;
  font-size: 0.9rem;
  transition: transform 180ms var(--ease), border-color 180ms ease, color 180ms ease;
}

.filters span:hover {
  transform: translateY(-2px);
  border-color: rgba(14, 124, 134, 0.35);
  color: var(--teal);
}

.post-image {
  width: 100%;
  max-height: 460px;
  object-fit: cover;
  border-radius: 8px;
  margin: 42px 0 0;
  box-shadow: 0 22px 44px rgba(16, 42, 67, 0.08);
}

.post-meta-line {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 18px;
  margin-top: 18px;
  color: #6a7788;
  font-size: 0.95rem;
  font-weight: 500;
}

.post-meta-line span + span::before {
  content: "";
  display: inline-block;
  width: 4px;
  height: 4px;
  margin: 0 10px 2px 0;
  border-radius: 50%;
  background: rgba(16, 42, 67, 0.22);
  vertical-align: middle;
}

.post-content {
  padding: 56px 0 88px;
}

.post-content > :first-child {
  margin-top: 0;
}

.post-content p,
.post-content li {
  color: #44556c;
  font-size: 1.04rem;
  line-height: 1.78;
}

.post-content h2 {
  margin-top: 34px;
  margin-bottom: 12px;
  font-size: clamp(1.25rem, 1.55vw, 1.55rem);
  line-height: 1.22;
}

.post-content ul,
.post-content ol {
  padding-left: 22px;
}

.post-content li + li {
  margin-top: 8px;
}

.post-content blockquote {
  margin: 28px 0;
  padding: 18px 22px;
  border-left: 4px solid #c77426;
  background: #fff8f1;
  border-radius: 8px;
}

.post-content blockquote p:last-child {
  margin-bottom: 0;
}

.site-footer {
  padding: 58px 0 24px;
  background: #ffffff;
  color: #4b5b70;
  font-family: "Roboto Slab", "Roboto", "Public Sans", system-ui, sans-serif;
  border-top: 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(220px, 0.85fr) minmax(220px, 0.85fr);
  gap: 42px;
}

.footer-brand {
  display: grid;
  gap: 18px;
}

.footer-logo {
  margin-bottom: 0;
}

.footer-brand-logo {
  width: clamp(148px, 18vw, 190px);
}

.footer-column {
  display: grid;
  align-content: start;
  gap: 16px;
}

.site-footer h2 { color: var(--blue); font-size: 1rem; }
.site-footer a { color: var(--blue); }

.footer-contact-grid,
.footer-links {
  display: grid;
  gap: 10px 22px;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 28px;
}

.footer-contact-grid a,
.footer-links a {
  display: inline-flex;
  align-items: center;
  min-height: 28px;
  transition: color 180ms ease, transform 180ms ease;
}

.footer-contact-grid a:hover,
.footer-links a:hover {
  color: var(--teal);
  transform: translateX(2px);
}

.footer-brand p,
.footer-column p {
  margin-bottom: 0;
}

.footer-brand p {
  color: #4b5b70;
}

.cookie-banner {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 80;
  min-height: 25vh;
  padding: 24px clamp(18px, 4vw, 54px);
  background: linear-gradient(135deg, rgba(255, 250, 243, 0.94), rgba(255, 244, 229, 0.9) 56%, rgba(255, 248, 238, 0.94));
  color: #5f6670;
  border-top: 1px solid rgba(198, 155, 71, 0.18);
  box-shadow: 0 -24px 70px rgba(129, 84, 32, 0.12);
  backdrop-filter: blur(10px);
}

.cookie-banner.is-hidden {
  display: none;
}

.cookies-accepted .cookie-banner {
  display: none;
}

.cookie-banner-inner {
  width: min(1120px, 100%);
  min-height: calc(25vh - 48px);
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: clamp(24px, 5vw, 72px);
}

.cookie-copy {
  max-width: 760px;
}

.cookie-copy .eyebrow {
  color: #c18a34;
  font-size: 0.86rem;
  letter-spacing: 0.12em;
}

.cookie-copy h2 {
  margin-bottom: 12px;
  color: #4a4f57;
  font-size: clamp(1.7rem, 3vw, 2.55rem);
  line-height: 1.08;
}

.cookie-copy p:not(.eyebrow) {
  margin-bottom: 0;
  color: #707883;
  font-size: 1.02rem;
  line-height: 1.65;
}

.cookie-actions {
  display: grid;
  gap: 12px;
  width: min(310px, 100%);
}

.cookie-actions .button {
  min-height: 56px;
  width: 100%;
  font-size: 1rem;
}

.cookie-banner .cookie-accept {
  border-color: rgba(198, 155, 71, 0.34);
  background: rgba(255, 255, 255, 0.84);
  color: #4f555e;
  box-shadow: 0 14px 32px rgba(129, 84, 32, 0.1);
}

.cookie-banner .cookie-more {
  border-color: rgba(198, 155, 71, 0.28);
  background: rgba(255, 255, 255, 0.58);
  color: #6a7078;
  box-shadow: none;
}

.cookie-banner .cookie-accept:hover,
.cookie-banner .cookie-more:hover {
  border-color: rgba(198, 155, 71, 0.42);
  background: #ffffff;
  color: #454b53;
}

.cookie-banner .button::before {
  content: none;
}

.button-warm {
  border-color: #ff8d2d;
  background: linear-gradient(135deg, #ff8d2d, #f36b1c);
  box-shadow: 0 12px 24px rgba(243, 107, 28, 0.2);
}

.button-outline-warm {
  background: transparent;
  color: var(--blue);
  border-color: rgba(16, 42, 67, 0.16);
  box-shadow: none;
}

.button-outline-warm::before { content: none; }

.button-outline-warm:hover {
  background: #ffffff;
  box-shadow: 0 12px 24px rgba(16, 42, 67, 0.08);
}

.button-dark {
  border-color: var(--navy-deep);
  background: var(--navy-deep);
  box-shadow: 0 14px 28px rgba(7, 26, 44, 0.18);
}

.section-heading.center {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 34px;
}

.section-note {
  max-width: 360px;
  color: var(--muted);
}

.biz-hero {
  padding: 44px 0 34px;
}

.biz-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.06fr) minmax(340px, 0.94fr);
  gap: clamp(30px, 5vw, 68px);
  align-items: center;
}

.biz-hero-copy .lead {
  max-width: 640px;
  color: #556376;
  font-size: 1.08rem;
}

.biz-hero-copy h1 {
  max-width: 760px;
  color: var(--navy-deep);
  font-family: "Roboto", "Public Sans", system-ui, sans-serif;
  font-size: clamp(2.15rem, 4.55vw, 3.75rem);
  font-weight: 500;
  line-height: 1.03;
}

.biz-hero-copy h1 strong,
.biz-hero-copy h1 .accent {
  color: #a87833;
}

.mobile-title {
  display: none;
}

.biz-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 28px 0 6px;
}

.biz-floating-card strong,
.biz-service-card h3,
.biz-process-card h3,
.biz-story-card h3,
.biz-insight-card h3,
.biz-testimonial strong,
.advisor-role {
  font-family: "Public Sans", system-ui, sans-serif;
}

.biz-hero-visual {
  position: relative;
  min-height: 560px;
}

.biz-photo-frame {
  position: relative;
  width: min(100%, 510px);
  margin-left: auto;
  padding: 18px;
  border: 2px dashed rgba(16, 42, 67, 0.14);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.76);
}

.biz-photo-frame::before {
  content: "";
  position: absolute;
  inset: 12px;
  border: 1px solid rgba(243, 107, 28, 0.22);
  border-radius: 12px;
  pointer-events: none;
}

.biz-photo-frame img {
  width: 100%;
  aspect-ratio: 4 / 4.4;
  object-fit: cover;
  border-radius: 12px;
  box-shadow: var(--shadow);
}

.biz-floating-card {
  position: absolute;
  z-index: 2;
}

.biz-floating-card {
  width: min(260px, 70%);
  padding: 18px;
  border-radius: 8px;
  background: #ffffff;
  border: 1px solid rgba(16, 42, 67, 0.08);
  box-shadow: 0 18px 44px rgba(16, 42, 67, 0.12);
}

.hero-card-primary {
  left: -18px;
  bottom: 74px;
}

.hero-card-secondary {
  right: -30%;
  bottom: 152px;
  width: min(290px, 74%);
}

@media (max-width: 1360px) {
  .hero-card-secondary {
    right: 0;
  }
}

.biz-floating-card span,
.biz-service-card span,
.biz-story-card span,
.biz-insight-card span,
.biz-testimonial p + span {
  font-family: Manrope, system-ui, sans-serif;
}

.biz-floating-card span {
  display: block;
  margin-bottom: 7px;
  color: #f36b1c;
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.biz-floating-card strong {
  display: block;
  color: var(--navy-deep);
  font-size: 0.98rem;
  font-weight: 600;
  line-height: 1.4;
}

.biz-ribbon {
  position: relative;
  overflow: hidden;
  display: block;
  padding: 22px 0;
  background: linear-gradient(90deg, #f5e6cd 0%, #efd5ad 34%, #f0c990 68%, #f6e3c9 100%);
  color: #5f6268;
  border-top: 1px solid rgba(198, 155, 71, 0.2);
  border-bottom: 1px solid rgba(198, 155, 71, 0.2);
  cursor: pointer;
}

.biz-ribbon::before,
.biz-ribbon::after {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  z-index: 1;
  width: clamp(34px, 6vw, 96px);
  pointer-events: none;
}

.biz-ribbon::before {
  left: 0;
  background: linear-gradient(90deg, #f5e6cd 0%, rgba(245, 230, 205, 0) 100%);
}

.biz-ribbon::after {
  right: 0;
  background: linear-gradient(270deg, #f6e3c9 0%, rgba(246, 227, 201, 0) 100%);
}

.biz-ribbon-track {
  position: relative;
  z-index: 0;
  display: flex;
  flex-wrap: nowrap;
  gap: 0;
  align-items: center;
  justify-content: flex-start;
  width: max-content;
  margin: 0;
  padding: 0;
  font-size: 1.08rem;
  font-weight: 800;
  white-space: nowrap;
  transform: translate3d(-50%, 0, 0);
  animation: bizRibbonTicker 63s linear infinite both;
  will-change: transform;
  contain: layout paint;
}

.biz-ribbon-track span {
  flex: 0 0 auto;
}

.biz-ribbon-track span + span {
  margin-left: 34px;
}

@keyframes bizRibbonTicker {
  from { transform: translate3d(-50%, 0, 0); }
  to { transform: translate3d(0, 0, 0); }
}

.biz-ribbon-track span::before {
  content: none;
}

.biz-overview-grid,
.biz-story-grid,
.biz-advisor-grid,
.biz-insights-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: clamp(28px, 5vw, 70px);
  align-items: start;
}

.biz-story {
  background: linear-gradient(180deg, #eef2f5, #f6f8fa);
}

.biz-overview-media {
  display: grid;
  gap: 18px;
}

.biz-overview-image,
.biz-advisor-photo {
  overflow: hidden;
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.biz-overview-image img {
  width: 100%;
  aspect-ratio: 4 / 4.2;
  object-fit: cover;
}

.biz-overview-quote {
  padding: 20px 24px;
  border-left: 4px solid #f36b1c;
  background: #fff6ed;
  border-radius: 8px;
}

.biz-overview-quote p {
  margin: 0;
  color: var(--blue);
  font-size: 1.06rem;
}

.biz-overview-copy h2,
.biz-story-intro h2,
.biz-advisor-copy h2,
.biz-insights-lead h2,
.biz-cta-inner h2 {
  color: var(--navy-deep);
  font-size: clamp(2rem, 3.2vw, 3rem);
  font-weight: 600;
  line-height: 1.05;
}

.biz-stats {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  margin-top: 26px;
}

.biz-stats article,
.biz-story-card,
.biz-testimonial {
  padding: 22px;
  border: 1px solid rgba(16, 42, 67, 0.08);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.84);
  box-shadow: 0 10px 24px rgba(16, 42, 67, 0.05);
}

.biz-stats strong {
  display: inline-flex;
  margin-bottom: 12px;
  color: #f36b1c;
  font-size: 0.9rem;
  font-weight: 900;
  letter-spacing: 0.08em;
}

.biz-stats h3 {
  margin: 0 0 8px;
  color: var(--navy-deep);
  font-size: 1.1rem;
}

.biz-stats p,
.biz-story-card p,
.biz-testimonial p,
.biz-service-card p,
.biz-insight-card p,
.biz-process-card p,
.biz-advisor-copy p {
  color: #5b6779;
}

.biz-services {
  padding: 82px 0;
  background: linear-gradient(180deg, #162b58, #112245);
  color: var(--white);
}

.biz-services .section-heading h2 {
  color: var(--white);
}

.biz-service-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  scroll-margin-top: 110px;
}

.biz-service-card {
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  min-height: 328px;
  padding: 24px;
  border-radius: 8px;
  background: #ffffff;
  color: var(--ink);
  box-shadow: 0 18px 40px rgba(4, 14, 30, 0.2);
  transition: transform 220ms var(--ease), box-shadow 220ms var(--ease), border-color 220ms ease;
}

.biz-service-card.featured {
  background: linear-gradient(180deg, #ff983f, #f36b1c);
  color: var(--navy-deep);
}

.biz-service-card:hover {
  transform: translateY(-5px);
  background: linear-gradient(180deg, #fff3e8, #ffe3cb);
  box-shadow: 0 20px 44px rgba(243, 107, 28, 0.18);
}

.biz-service-card.featured:hover {
  background: linear-gradient(180deg, #ffb062, #ff8a2f);
  box-shadow: 0 22px 48px rgba(243, 107, 28, 0.24);
}

.biz-service-card.featured p,
.biz-service-card.featured strong,
.biz-service-card.featured h3 {
  color: var(--navy-deep);
}

.biz-service-card:hover h3,
.biz-service-card:hover p,
.biz-service-card:hover strong {
  color: var(--navy-deep);
}

.biz-service-card:hover span {
  color: #f36b1c;
}

.biz-service-card span {
  display: inline-flex;
  margin-bottom: 16px;
  color: #f36b1c;
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.08em;
}

.biz-service-card.featured span {
  color: var(--navy-deep);
}

.biz-service-card h3 {
  margin: 0 0 12px;
  font-size: 1.14rem;
  color: var(--navy-deep);
  font-weight: 700;
}

.biz-service-card strong {
  display: inline-flex;
  margin-top: auto;
  padding-top: 22px;
  color: var(--blue);
  font-weight: 800;
}

.biz-process-section {
  background: #ffffff;
}

.biz-process-line {
  position: relative;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  align-items: center;
  gap: 0;
  margin: 10px auto 34px;
}

.biz-process-line::before {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: 50%;
  height: 1px;
  background: #c8ced8;
  transform: translateY(-50%);
}

.biz-process-line span {
  position: relative;
  z-index: 1;
  justify-self: center;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: #8f2d2d;
  box-shadow: 0 0 0 6px #fffdf9;
}

.biz-process-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.biz-process-card {
  padding: 16px;
  border-radius: 8px;
  background: #ffffff;
  border: 1px solid rgba(16, 42, 67, 0.08);
  box-shadow: 0 10px 24px rgba(16, 42, 67, 0.05);
}

.biz-process-card img {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  border-radius: 6px;
  margin-bottom: 16px;
}

.biz-process-card span {
  display: inline-flex;
  margin-bottom: 8px;
  color: #f36b1c;
  font-size: 0.78rem;
  font-weight: 700;
}

.biz-process-card h3 {
  margin: 0 0 8px;
  color: var(--navy-deep);
  font-size: 1.08rem;
  font-weight: 700;
}

.biz-story-cards,
.biz-insights-list {
  display: grid;
  gap: 18px;
}

.biz-story-accordion {
  display: grid;
  gap: 14px;
}

.biz-story-card span,
.biz-insight-card span {
  display: inline-flex;
  margin-bottom: 10px;
  color: #f36b1c;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.biz-story-card h3,
.biz-insight-card h3,
.biz-testimonial strong {
  margin: 0 0 10px;
  color: var(--navy-deep);
  font-size: 1.12rem;
}

.biz-story-card {
  position: relative;
  overflow: hidden;
}

.biz-story-card summary {
  display: grid;
  gap: 8px;
  list-style: none;
  cursor: pointer;
}

.biz-story-card summary::-webkit-details-marker {
  display: none;
}

.biz-story-card summary::after {
  content: "+";
  position: absolute;
  top: 22px;
  right: 22px;
  width: 28px;
  height: 28px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: #fff6ed;
  color: #b84f17;
  font-size: 1rem;
  font-weight: 800;
}

.biz-story-card[open] summary::after {
  content: "-";
}

.biz-story-card summary h3 {
  margin-right: 38px;
}

.biz-story-panel {
  padding-top: 10px;
  color: #5b6779;
}

.biz-story-panel p {
  margin: 0 0 14px;
}

.biz-story-panel ul {
  margin: 0;
  padding-left: 18px;
  color: var(--blue);
}

.biz-story-panel li + li {
  margin-top: 7px;
}

.biz-advisor {
  background: linear-gradient(180deg, #fff5ea, #fffdf9);
}

.biz-advisor-grid {
  grid-template-columns: minmax(220px, 0.52fr) minmax(0, 1.48fr);
  align-items: start;
}

.biz-advisor-photo {
  display: block;
  align-self: start;
}

.biz-advisor-photo img {
  width: 100%;
  height: auto;
  aspect-ratio: auto;
  object-fit: contain;
  object-position: center top;
  background: #e7e1db;
}

.biz-advisor-copy {
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  gap: 10px;
  max-width: 760px;
}

.advisor-role {
  margin-top: -2px;
  color: #f36b1c;
  font-size: 0.95rem;
  font-weight: 600;
}

.biz-advisor-copy h2 {
  margin-bottom: 2px;
}

.biz-advisor-copy > p:not(.eyebrow):not(.advisor-role) {
  max-width: 700px;
  margin: 0;
  font-size: 0.96rem;
  line-height: 1.55;
}

.biz-advisor-facts {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px 26px;
  margin-top: 6px;
}

.biz-advisor-facts div {
  display: grid;
  gap: 4px;
  padding: 7px 0;
  border-bottom: 1px solid rgba(16, 42, 67, 0.1);
}

.biz-advisor-facts div:last-child {
  border-bottom: 0;
}

.biz-advisor-facts span {
  color: #8b97a6;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.biz-advisor-facts strong,
.biz-advisor-facts a {
  color: var(--navy-deep);
  font-size: 0.9rem;
  font-weight: 600;
}

.biz-insight-card {
  display: grid;
  gap: 10px;
  padding: 22px;
  border-radius: 8px;
  background: #ffffff;
  border: 1px solid rgba(16, 42, 67, 0.08);
  box-shadow: 0 10px 24px rgba(16, 42, 67, 0.05);
}

.biz-insight-card.large {
  grid-template-columns: 240px minmax(0, 1fr);
  align-items: center;
  gap: 22px;
}

.biz-insight-card.large img {
  width: 100%;
  aspect-ratio: 1 / 1;
  object-fit: cover;
  border-radius: 6px;
}

.biz-news-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  align-items: stretch;
}

.biz-news-card {
  display: grid;
  gap: 12px;
  align-content: start;
  padding: 22px;
  min-height: 100%;
  border-radius: 8px;
  background: #ffffff;
  border: 1px solid rgba(16, 42, 67, 0.08);
  box-shadow: 0 10px 24px rgba(16, 42, 67, 0.05);
  transition: transform 220ms var(--ease), box-shadow 220ms var(--ease);
}

.biz-news-card img {
  width: 100%;
  aspect-ratio: 16 / 11;
  object-fit: cover;
  border-radius: 6px;
}

.biz-news-body {
  display: grid;
  gap: 10px;
  padding: 4px 6px 2px;
}

.biz-news-card span {
  display: inline-flex;
  color: #c77426;
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.biz-news-card h3 {
  margin: 0;
  color: var(--navy-deep);
  font-size: 1.22rem;
  line-height: 1.2;
}

.biz-news-card p {
  margin: 0;
  color: #5b6779;
  font-size: 0.97rem;
  line-height: 1.55;
}

.biz-news-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 36px rgba(16, 42, 67, 0.09);
}

.biz-testimonials {
  padding: 78px 0;
}

.biz-testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.biz-cta {
  padding: 82px 0;
  background: #ffffff;
  color: #ffffff;
  border-top: 0;
}

.biz-cta .eyebrow,
.biz-cta h2 {
  color: #ffffff;
}

.biz-cta-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: clamp(34px, 6vw, 88px);
  width: min(1120px, calc(100% - 80px));
  padding: clamp(48px, 6vw, 76px) clamp(42px, 7vw, 86px);
  border-radius: 48px;
  background: linear-gradient(180deg, #162b58, #112245);
  box-shadow: 0 28px 80px rgba(17, 34, 69, 0.2);
}

.biz-cta-copy {
  max-width: 640px;
}

.biz-cta-copy p:not(.eyebrow) {
  max-width: 560px;
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.08rem;
}

.biz-cta-actions {
  display: grid;
  gap: 14px;
  min-width: 300px;
}

.biz-cta-button {
  width: 270px;
  justify-content: flex-start;
  padding: 0 24px;
  text-align: left;
}

.button-outline-light {
  border-color: rgba(255, 255, 255, 0.22);
  background: rgba(255, 255, 255, 0.08);
  color: #ffffff;
  box-shadow: none;
}

.button-outline-light:hover {
  background: rgba(255, 255, 255, 0.14);
  box-shadow: 0 12px 24px rgba(0, 0, 0, 0.12);
}

@media (min-width: 921px) {
  .main-nav .header-cta:hover,
  .main-nav .header-cta:focus-visible {
    color: var(--white);
    background: linear-gradient(135deg, #c69b47 0%, #d98934 48%, #f36b1c 100%);
    border-color: rgba(198, 105, 35, 0.42);
    box-shadow: 0 14px 32px rgba(198, 105, 35, 0.2);
  }
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  margin-top: 42px;
  padding-top: 20px;
  border-top: 1px solid rgba(16, 42, 67, 0.1);
  font-size: 0.9rem;
  color: #66768b;
}

@media (max-width: 920px) {
  .nav-toggle { display: block; }

  .site-header {
    top: 8px;
    width: min(100% - 20px, 1180px);
    margin-top: 8px;
  }

  .header-inner {
    height: 64px;
    padding: 0 10px 0 14px;
  }

  .brand-logo {
    width: clamp(136px, 42vw, 176px);
  }

  .main-nav {
    position: absolute;
    left: 0;
    right: 0;
    top: calc(100% + 10px);
    display: grid;
    gap: 12px;
    opacity: 0;
    pointer-events: none;
    transform: translateY(-10px) scale(0.985);
    align-items: stretch;
    padding: 14px;
    border: 1px solid rgba(220, 228, 236, 0.88);
    border-radius: 8px;
    background:
      linear-gradient(180deg, #ffffff, #f7fafc 62%, #eef5f7);
    box-shadow: 0 24px 60px rgba(7, 26, 44, 0.18);
    transition: opacity 200ms ease, transform 220ms var(--ease);
  }

  .nav-links {
    display: grid;
    gap: 6px;
    padding: 0;
    border: 0;
    background: transparent;
  }

  .main-nav a:not(.button) {
    min-height: 52px;
    padding: 0 16px;
    border: 1px solid rgba(220, 228, 236, 0.85);
    background: #ffffff;
    font-size: 1rem;
  }

  .main-nav a[aria-current="page"],
  .main-nav a:not(.button):hover {
    color: var(--white);
    background: linear-gradient(135deg, #c69b47 0%, #d98934 48%, #f36b1c 100%);
    border-color: rgba(198, 105, 35, 0.42);
    box-shadow: 0 12px 28px rgba(198, 105, 35, 0.18);
  }

  .main-nav a[aria-current="page"] {
    color: var(--blue);
    background: transparent;
    border-color: transparent;
    box-shadow: none;
  }

  .header-cta {
    width: 100%;
    min-height: 54px;
    color: var(--white);
    background: linear-gradient(135deg, #c69b47 0%, #d98934 48%, #f36b1c 100%);
    border-color: rgba(198, 105, 35, 0.42);
    box-shadow: 0 14px 32px rgba(198, 105, 35, 0.2);
  }

  .nav-toggle:hover,
  .nav-toggle[aria-expanded="true"],
  .header-cta:hover {
    background: linear-gradient(135deg, #c69b47 0%, #d98934 48%, #f36b1c 100%);
    border-color: rgba(198, 105, 35, 0.42);
    box-shadow: 0 14px 32px rgba(198, 105, 35, 0.2);
  }

  .header-cta:active,
  .header-cta:focus-visible {
    background: linear-gradient(180deg, #162b58, #112245);
    border-color: rgba(17, 34, 69, 0.42);
    box-shadow: 0 14px 32px rgba(17, 34, 69, 0.2);
  }

  .nav-toggle:hover span,
  .nav-toggle[aria-expanded="true"] span {
    background: var(--white);
  }

  .main-nav.is-open {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0) scale(1);
  }

  .hero-grid,
  .hero-premium .hero-grid,
  .principles-grid,
  .split-feature,
  .advisory-grid,
  .contact-hero-grid,
  .contact-premium-grid,
  .content-grid,
  .contact-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .hero-visual {
    min-height: 420px;
  }

  .hero-visual figure {
    inset: 0 0 46px 0;
  }

  .feature-media.tall {
    min-height: 440px;
  }

  .timeline {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    row-gap: 36px;
  }

  .advisory-copy {
    position: static;
  }

  .contact-panel {
    position: relative;
    top: auto;
  }

  .card-grid.four,
  .process {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .process div { border-bottom: 1px solid var(--line); }
  .process div:nth-child(2) { border-right: 0; }
  .service-list article { grid-template-columns: 50px 1fr; }
  .service-list article p { grid-column: 2; }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: 0.001ms !important;
  }
}

@media (max-width: 640px) {
  .container,
  .narrow { width: min(100% - 28px, 1120px); }

  .hero { padding-top: 58px; }
  .hero-premium {
    min-height: auto;
    padding: 34px 0 24px;
    background-position: 58% center;
  }

  .hero-premium h1 {
    font-size: clamp(2.25rem, 10vw, 3.15rem);
    line-height: 1.04;
    margin-bottom: 18px;
  }

  .hero-premium .lead {
    font-size: 1rem;
  }

  .hero-actions {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 10px;
    margin-top: 24px;
  }

  .hero-actions .button {
    min-height: 44px;
    width: auto;
    padding: 0 14px;
    font-size: 0.9rem;
  }

  .hero-actions .button-ghost {
    min-width: 92px;
  }

  .hero-visual {
    min-height: 310px;
    margin-top: 6px;
  }

  .hero-visual figure {
    inset: 0 0 50px 0;
  }

  .market-note,
  .asset-note {
    width: min(250px, 76%);
    padding: 14px;
  }

  .market-note {
    left: 12px;
    bottom: 82px;
  }

  .asset-note {
    right: 12px;
    bottom: 0;
  }

  .trust-strip {
    margin-top: 24px;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 8px;
  }

  .trust-strip span {
    display: flex;
    align-items: center;
    min-height: 44px;
    border-radius: 8px;
    padding: 9px 10px;
    font-size: 0.78rem;
  }

  .section { padding: 52px 0; }

  .post .page-hero {
    padding: 28px 0 18px;
    border-bottom: 0;
  }

  .post .narrow {
    width: min(100% - 42px, 820px);
  }

  .post .page-hero h1 {
    margin-bottom: 12px;
    font-size: clamp(1.85rem, 8vw, 2.45rem);
    line-height: 1.08;
  }

  .post-meta-line {
    gap: 6px;
    margin-top: 10px;
    font-size: 0.82rem;
  }

  .post-meta-line span {
    display: block;
    width: 100%;
  }

  .post-meta-line span + span::before {
    content: none;
  }

  .post-image {
    margin-top: 20px;
    border-radius: 7px;
    box-shadow: 0 14px 28px rgba(16, 42, 67, 0.07);
  }

  .post-content {
    padding: 28px 0 58px;
  }

  .post-content p,
  .post-content li {
    font-size: 1.105rem;
    line-height: 1.72;
  }

  .post-content h2 {
    margin-top: 28px;
    margin-bottom: 10px;
    max-width: 92%;
    font-size: 1.18rem;
    line-height: 1.28;
  }

  .contact-hero {
    padding: 58px 0 54px;
  }

  .contact-hero h1 {
    font-size: clamp(2.15rem, 10vw, 3.2rem);
  }

  .checkbox {
    align-items: center;
    gap: 18px;
    font-size: 0.78rem;
    line-height: 1.45;
  }

  .checkbox input {
    margin-top: 0;
  }

  .mobile-break {
    display: block;
  }

  .contact-hero-note,
  .contact-panel,
  .contact-form-card {
    padding: 24px;
  }

  .cookie-banner {
    min-height: 34vh;
    padding: 22px 18px;
  }

  .cookie-banner-inner {
    min-height: calc(34vh - 44px);
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .cookie-copy h2 {
    font-size: 1.55rem;
  }

  .cookie-copy p:not(.eyebrow) {
    font-size: 0.94rem;
  }

  .contact-form-card .form-grid {
    grid-template-columns: 1fr;
  }
  .principles-grid {
    padding: 48px 0 50px;
  }

  .principles-lead h2,
  .feature-content h2 {
    font-size: clamp(2rem, 9.2vw, 2.85rem);
    line-height: 1.08;
  }

  .principles-list article,
  .service-editorial article,
  .timeline {
    grid-template-columns: 1fr;
  }

  .principles-list article {
    gap: 7px;
    padding: 22px 0;
  }

  .feature-media.tall {
    min-height: 310px;
  }

  .process-premium {
    padding: 54px 0;
    background-attachment: scroll;
  }

  .timeline {
    border-top: 0;
    gap: 0;
  }

  .timeline article {
    padding: 24px 0 24px 34px;
    border-left: 1px solid rgba(16, 42, 67, 0.16);
  }

  .timeline article::before {
    top: 31px;
    left: -6px;
  }

  .advisory-list article {
    padding: 22px 0;
  }

  .cta-image {
    min-height: 310px;
  }

  .hero-grid,
  .service-grid,
  .card-grid.three,
  .card-grid.four,
  .process {
    grid-template-columns: 1fr;
  }

  .section-heading.row,
  .cta-inner,
  .footer-bottom {
    display: grid;
    align-items: start;
  }

  .process div { border-right: 0; }
  .hero-actions .button { width: auto; }
}

@media (max-width: 1100px) {
  .biz-service-grid,
  .biz-testimonial-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .biz-process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .biz-process-line {
    display: none;
  }

  .hero-card-secondary {
    right: auto;
    left: -18px;
    bottom: 198px;
  }
}

@media (max-width: 920px) {
  .biz-hero-grid,
  .biz-overview-grid,
  .biz-story-grid,
  .biz-advisor-grid,
  .biz-insights-grid {
    grid-template-columns: 1fr;
  }

  .biz-news-grid {
    grid-template-columns: 1fr;
  }

  .biz-hero-visual {
    min-height: auto;
  }

  .biz-photo-frame {
    margin: 0;
  }

  .biz-floating-card {
    position: static;
    width: 100%;
    margin-top: 16px;
  }

  .hero-card-secondary {
    width: 100%;
    margin-top: 12px;
  }

  .biz-stats {
    grid-template-columns: 1fr;
  }

  .biz-insight-card.large {
    grid-template-columns: 1fr;
  }

  .biz-advisor-facts {
    grid-template-columns: 1fr;
  }

  .footer-links {
    display: grid;
    grid-template-columns: 1fr;
    gap: 8px;
  }
}

@media (max-width: 720px) {
  .biz-hero {
    padding: 46px 0 42px;
  }

  .biz-story > .container,
  .biz-cta > .container {
    width: min(100% - 50px, 1120px);
  }

  .biz-hero-copy h1 {
    font-size: clamp(2rem, 8.2vw, 2.45rem);
    line-height: 1.08;
  }

  .desktop-title {
    display: none;
  }

  .mobile-title {
    display: inline;
  }

  .biz-hero-copy .lead {
    font-size: 1.02rem;
    line-height: 1.72;
  }

  .biz-ribbon-track {
    flex-wrap: nowrap;
    justify-content: flex-start;
    padding: 0 28px 6px;
    font-size: 1.04rem;
  }

  .biz-ribbon-track span {
    flex: 0 0 auto;
    scroll-snap-align: start;
  }

  .biz-ribbon-track span + span {
    margin-left: 24px;
  }

  .biz-news-card,
  .biz-news-card {
    padding: 18px;
  }

  .biz-news-card h3 {
    font-size: 1.08rem;
  }

  .biz-news-card p {
    font-size: 0.93rem;
  }

  .biz-service-grid,
  .biz-process-grid,
  .biz-testimonial-grid {
    grid-template-columns: 1fr;
  }

  .biz-cta-inner {
    display: grid;
    align-items: start;
    width: min(100% - 36px, 1120px);
    padding: 36px 26px;
    border-radius: 28px;
  }

  .biz-cta-actions {
    width: 100%;
    min-width: 0;
    justify-content: stretch;
  }

  .biz-cta-button {
    width: 100%;
    min-width: 0;
  }

}