/* ============================================================
   ETS FINANCIAL SERVICES SARLU — Global Stylesheet
   Applies to: index, services, education, careers, contact
   ============================================================ */

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

:root {
    --navy: #1B2A4A;
    --navy-deep: #111C32;
    --navy-mid: #243660;
    --gold: #C9A84C;
    --gold-lt: #E2C47A;
    --gold-pale: #F5EDD6;
    --white: #FFFFFF;
    --off: #F8F7F4;
    --text: #1A1A2E;
    --muted: #6B7280;
    --border: rgba(201, 168, 76, 0.18);
    --rule: #E5E7EB;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Inter', sans-serif;
    color: var(--text);
    background: var(--white);
    line-height: 1.6;
    overflow-x: hidden;
}

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

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

/* ── TYPOGRAPHY ── */
.display {
    font-family: 'Playfair Display', serif;
    font-weight: 700;
}

/* ── LAYOUT UTILITIES ── */
.section-inner {
    max-width: 1180px;
    margin: 0 auto;
    padding: 6rem 5%;
}

.section-inner.narrow {
    max-width: 860px;
}

/* ── EYEBROW ── */
.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.7rem;
    margin-bottom: 0.9rem;
}

.eyebrow-rule {
    width: 26px;
    height: 1px;
    background: var(--gold);
    flex-shrink: 0;
}

.eyebrow-text {
    font-size: 0.65rem;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
}

/* ── SECTION HEADINGS ── */
.section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.75rem, 3.5vw, 2.6rem);
    font-weight: 700;
    color: var(--navy);
    line-height: 1.18;
    margin-bottom: 1rem;
}

.section-title.on-dark {
    color: var(--white);
}

.section-body {
    font-size: 0.97rem;
    color: var(--muted);
    max-width: 560px;
    line-height: 1.78;
}

.section-body.on-dark {
    color: rgba(255, 255, 255, 0.58);
}

/* ── BUTTONS ── */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    padding: 0.82rem 2rem;
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.09em;
    text-transform: uppercase;
    text-decoration: none;
    border-radius: 1px;
    transition: background 0.2s, border-color 0.2s, color 0.2s, transform 0.15s;
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    border: none;
}

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

.btn-gold:hover {
    background: var(--gold-lt);
    transform: translateY(-1px);
}

.btn-ghost {
    background: transparent;
    color: var(--white);
    border: 1px solid rgba(255, 255, 255, 0.28);
}

.btn-ghost:hover {
    border-color: var(--gold);
    color: var(--gold);
    transform: translateY(-1px);
}

.btn-navy {
    background: var(--navy);
    color: var(--white);
}

.btn-navy:hover {
    background: var(--navy-mid);
    transform: translateY(-1px);
}

.btn-outline-gold {
    background: transparent;
    color: var(--gold);
    border: 1px solid var(--gold);
}

.btn-outline-gold:hover {
    background: var(--gold);
    color: var(--navy-deep);
    transform: translateY(-1px);
}

/* ── SCROLL REVEAL ── */
.reveal {
    opacity: 0;
    transform: translateY(22px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.reveal.visible {
    opacity: 1;
    transform: none;
}

/* ============================================================
   NAVIGATION
   ============================================================ */
nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 200;
    height: 70px;
    padding: 0 5%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    transition: background 0.3s, box-shadow 0.3s;
}

nav.scrolled {
    background: rgba(17, 28, 50, 0.97);
    backdrop-filter: blur(12px);
    box-shadow: 0 1px 0 var(--border);
}

nav.solid {
    background: var(--navy-deep);
}

.nav-logo {
    text-decoration: none;
    line-height: 1;
}

.nav-logo-top {
    display: block;
    font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--white);
    letter-spacing: 0.03em;
}

.nav-logo-sub {
    display: block;
    font-size: 0.58rem;
    color: var(--gold);
    letter-spacing: 0.18em;
    text-transform: uppercase;
    font-weight: 500;
    margin-top: 2px;
}

.nav-links {
    display: flex;
    gap: 1.6rem;
    list-style: none;
    align-items: center;
}

.nav-links a {
    color: rgba(255, 255, 255, 0.72);
    text-decoration: none;
    font-size: 0.75rem;
    font-weight: 500;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    transition: color 0.2s;
}

.nav-links a:hover,
.nav-links a.active {
    color: var(--gold);
}

.nav-links .nav-cta {
    border: 1px solid var(--gold);
    color: var(--gold) !important;
    padding: 0.4rem 1.1rem;
    transition: background 0.2s, color 0.2s !important;
}

.nav-links .nav-cta:hover {
    background: var(--gold);
    color: var(--navy) !important;
}

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    background: none;
    border: none;
    padding: 4px;
}

.hamburger span {
    display: block;
    width: 22px;
    height: 1.5px;
    background: var(--white);
    transition: all 0.3s;
}

.mobile-menu {
    display: none;
    position: fixed;
    top: 70px;
    left: 0;
    right: 0;
    z-index: 199;
    background: rgba(17, 28, 50, 0.98);
    padding: 1.5rem 5% 2rem;
    border-top: 1px solid var(--border);
    flex-direction: column;
    gap: 0;
}

.mobile-menu.open {
    display: flex;
}

.mobile-menu a {
    color: rgba(255, 255, 255, 0.72);
    text-decoration: none;
    font-size: 0.85rem;
    font-weight: 500;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    transition: color 0.2s;
    padding: 0.85rem 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.mobile-menu a:hover {
    color: var(--gold);
}

/* ============================================================
   PAGE HERO (for inner pages — services, education, etc.)
   ============================================================ */
.page-hero {
    background: var(--navy-deep);
    padding: 9rem 5% 5rem;
    position: relative;
    overflow: hidden;
}

.page-hero::before {
    content: '';
    position: absolute;
    width: 200%;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--gold) 40%, var(--gold-lt) 50%, var(--gold) 60%, transparent);
    opacity: 0.2;
    top: 60%;
    left: -50%;
    transform: rotate(-8deg);
}

.page-hero-inner {
    max-width: 1180px;
    margin: 0 auto;
}

.page-hero-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.2rem, 5vw, 3.8rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.1;
    margin-bottom: 1rem;
}

.page-hero-title em {
    font-style: normal;
    color: var(--gold);
}

.page-hero-body {
    font-size: 1rem;
    color: rgba(255, 255, 255, 0.58);
    max-width: 560px;
    line-height: 1.78;
}

.page-hero-grid {
    background-image: radial-gradient(circle, rgba(201, 168, 76, 0.055) 1px, transparent 1px);
    background-size: 44px 44px;
    position: absolute;
    inset: 0;
    pointer-events: none;
}

/* ============================================================
   FOOTER
   ============================================================ */
footer {
    background: var(--navy-deep);
    padding: 3.5rem 5% 2rem;
}

.footer-inner {
    max-width: 1180px;
    margin: 0 auto;
}

.footer-top {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 3rem;
    padding-bottom: 2.5rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.footer-brand-name {
    font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    color: var(--white);
    font-weight: 700;
}

.footer-brand-sub {
    font-size: 0.6rem;
    color: var(--gold);
    letter-spacing: 0.16em;
    text-transform: uppercase;
    margin-top: 2px;
}

.footer-tagline {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.3);
    margin-top: 0.9rem;
    font-style: italic;
    line-height: 1.6;
}

.footer-col h4 {
    font-size: 0.63rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 1rem;
}

.footer-col ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.55rem;
}

.footer-col ul a {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.4);
    text-decoration: none;
    transition: color 0.2s;
}

.footer-col ul a:hover {
    color: var(--gold);
}

.footer-bottom {
    padding-top: 1.5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
}

.footer-copy,
.footer-location {
    font-size: 0.73rem;
    color: rgba(255, 255, 255, 0.22);
}

/* ============================================================
   PRODUCT / SERVICE CARDS (shared across services page)
   ============================================================ */
.product-section {
    padding: 6rem 0;
}

.product-section.bg-off {
    background: var(--off);
}

.product-section.bg-white {
    background: var(--white);
}

.product-section.bg-navy {
    background: var(--navy);
}

.product-inner {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 5%;
}

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

.product-header .section-body {
    margin-top: 0.75rem;
}

/* 4-column card grid */
.product-cards {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5px;
    background: var(--border);
    border: 1px solid var(--border);
}

/* 3-column card grid */
.product-cards.cols-3 {
    grid-template-columns: repeat(3, 1fr);
}

.product-card {
    background: var(--white);
    padding: 2rem 1.8rem;
    transition: background 0.25s;
}

.product-section.bg-off .product-card {
    background: var(--off);
}

.product-card:hover {
    background: var(--navy) !important;
}

.product-card:hover .pc-name {
    color: var(--white);
}

.product-card:hover .pc-desc {
    color: rgba(255, 255, 255, 0.5);
}

.product-card:hover .pc-icon path,
.product-card:hover .pc-icon rect,
.product-card:hover .pc-icon circle,
.product-card:hover .pc-icon polyline,
.product-card:hover .pc-icon line,
.product-card:hover .pc-icon polygon {
    stroke: var(--gold);
}

/* Navy section dark variant cards */
.product-section.bg-navy .product-cards {
    background: rgba(201, 168, 76, 0.12);
    border-color: rgba(201, 168, 76, 0.12);
}

.product-section.bg-navy .product-card {
    background: rgba(255, 255, 255, 0.04);
}

.product-section.bg-navy .product-card:hover {
    background: rgba(201, 168, 76, 0.14) !important;
}

.product-section.bg-navy .pc-name {
    color: var(--white);
}

.product-section.bg-navy .pc-desc {
    color: rgba(255, 255, 255, 0.52);
}

.product-section.bg-navy .pc-icon path,
.product-section.bg-navy .pc-icon rect,
.product-section.bg-navy .pc-icon circle,
.product-section.bg-navy .pc-icon polyline,
.product-section.bg-navy .pc-icon line {
    stroke: var(--gold-lt);
}

.pc-icon {
    width: 26px;
    height: 26px;
    margin-bottom: 1rem;
}

.pc-icon path,
.pc-icon rect,
.pc-icon circle,
.pc-icon polyline,
.pc-icon line,
.pc-icon polygon {
    stroke: var(--navy);
    fill: none;
    stroke-width: 1.6;
    stroke-linecap: round;
    stroke-linejoin: round;
    transition: stroke 0.25s;
}

.pc-name {
    font-family: 'Playfair Display', serif;
    font-size: 1rem;
    color: var(--navy);
    margin-bottom: 0.55rem;
    transition: color 0.25s;
    line-height: 1.3;
}

.pc-desc {
    font-size: 0.82rem;
    color: var(--muted);
    line-height: 1.7;
    transition: color 0.25s;
}

.product-cta {
    margin-top: 2.5rem;
    text-align: center;
}

/* ============================================================
   CONTACT ELEMENTS (shared: contact page + footer links)
   ============================================================ */
.ci {
    display: flex;
    gap: 1rem;
    align-items: flex-start;
}

.ci-icon {
    width: 38px;
    height: 38px;
    background: var(--gold-pale);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.ci-icon svg path,
.ci-icon svg rect,
.ci-icon svg circle,
.ci-icon svg polyline,
.ci-icon svg line {
    stroke: var(--navy);
    fill: none;
    stroke-width: 1.6;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.ci-label {
    font-size: 0.62rem;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 3px;
}

.ci-val {
    font-size: 0.9rem;
    color: var(--text);
    line-height: 1.6;
}

.ci-val a {
    color: var(--text);
    text-decoration: none;
    transition: color 0.2s;
}

.ci-val a:hover {
    color: var(--navy);
    text-decoration: underline;
}

.wa-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    background: #1A8A42;
    color: var(--white);
    padding: 0.82rem 1.8rem;
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    text-decoration: none;
    border-radius: 1px;
    transition: background 0.2s, transform 0.15s;
}

.wa-btn:hover {
    background: #16753a;
    transform: translateY(-1px);
}

/* ============================================================
   FORMS (shared: contact form, apply form)
   ============================================================ */
.form-grid {
    display: flex;
    flex-direction: column;
    gap: 1.1rem;
}

.form-row-2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
}

.fgroup {
    display: flex;
    flex-direction: column;
    gap: 0.35rem;
}

.flabel {
    font-size: 0.65rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--muted);
    font-weight: 600;
}

.finput,
.fselect,
.ftextarea {
    background: var(--white);
    border: 1px solid var(--rule);
    padding: 0.72rem 1rem;
    font-family: 'Inter', sans-serif;
    font-size: 0.88rem;
    color: var(--text);
    outline: none;
    transition: border-color 0.2s;
    width: 100%;
    border-radius: 0;
    appearance: none;
    -webkit-appearance: none;
}

.finput:focus,
.fselect:focus,
.ftextarea:focus {
    border-color: var(--gold);
}

.ftextarea {
    resize: vertical;
    min-height: 110px;
}

.form-note {
    font-size: 0.75rem;
    color: var(--muted);
}

/* ============================================================
   BLOG / EDUCATION CARDS
   ============================================================ */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
    margin-top: 3rem;
}

.blog-card {
    background: var(--white);
    border: 1px solid var(--rule);
    display: flex;
    flex-direction: column;
    transition: box-shadow 0.25s, transform 0.2s;
}

.blog-card:hover {
    box-shadow: 0 8px 32px rgba(27, 42, 74, 0.1);
    transform: translateY(-2px);
}

.blog-card-top {
    height: 3px;
    background: var(--gold);
}

.blog-card-body {
    padding: 1.8rem;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.blog-cat {
    font-size: 0.63rem;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 0.6rem;
}

.blog-title {
    font-family: 'Playfair Display', serif;
    font-size: 1.02rem;
    color: var(--navy);
    line-height: 1.42;
    margin-bottom: 0.8rem;
}

.blog-excerpt {
    font-size: 0.83rem;
    color: var(--muted);
    line-height: 1.7;
    flex: 1;
}

.blog-footer {
    padding: 1rem 1.8rem;
    border-top: 1px solid var(--rule);
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.blog-readmore {
    font-size: 0.72rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--navy);
    font-weight: 600;
    text-decoration: none;
    transition: color 0.2s;
}

.blog-readmore::after {
    content: ' \2192';
}

.blog-readmore:hover {
    color: var(--gold);
}

.blog-date {
    font-size: 0.72rem;
    color: var(--muted);
}

/* ============================================================
   CAREERS PAGE COMPONENTS
   ============================================================ */
.why-join {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.why-item {
    display: flex;
    gap: 1.2rem;
    align-items: flex-start;
}

.why-num {
    font-family: 'Playfair Display', serif;
    font-size: 1.6rem;
    color: var(--gold);
    opacity: 0.45;
    line-height: 1;
    width: 32px;
    flex-shrink: 0;
}

.why-text h4 {
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 0.3rem;
}

.why-text p {
    font-size: 0.83rem;
    color: var(--muted);
    line-height: 1.65;
}

.careers-list {
    margin-top: 2rem;
    display: flex;
    flex-direction: column;
    gap: 0.8rem;
}

.career-item {
    border: 1px solid var(--rule);
    padding: 1.2rem 1.5rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    transition: border-color 0.2s;
}

.career-item:hover {
    border-color: var(--gold);
}

.career-name {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--navy);
}

.career-meta {
    font-size: 0.76rem;
    color: var(--muted);
    margin-top: 0.2rem;
}

.career-badge {
    font-size: 0.65rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    background: var(--gold-pale);
    color: var(--navy);
    padding: 0.3rem 0.75rem;
    font-weight: 600;
    flex-shrink: 0;
}

.apply-box {
    background: var(--off);
    padding: 2.5rem;
    border-top: 3px solid var(--gold);
}

.apply-box h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.3rem;
    color: var(--navy);
    margin-bottom: 0.5rem;
}

.apply-box>p {
    font-size: 0.85rem;
    color: var(--muted);
    margin-bottom: 1.8rem;
    line-height: 1.65;
}

/* ============================================================
   HOME PAGE — HERO
   ============================================================ */
#hero {
    position: relative;
    min-height: 100vh;
    background: var(--navy-deep);
    display: flex;
    align-items: center;
    overflow: hidden;
}

.hero-grid-bg {
    position: absolute;
    inset: 0;
    background-image: radial-gradient(circle, rgba(201, 168, 76, 0.055) 1px, transparent 1px);
    background-size: 44px 44px;
    pointer-events: none;
}

.hero-line {
    position: absolute;
    width: 220%;
    height: 1px;
    left: -60%;
    pointer-events: none;
}

.hero-line-1 {
    background: linear-gradient(90deg, transparent, var(--gold) 35%, var(--gold-lt) 50%, var(--gold) 65%, transparent);
    opacity: 0.22;
    top: 36%;
    transform: rotate(-13deg);
    animation: lineAppear 2.2s ease forwards;
}

.hero-line-2 {
    background: linear-gradient(90deg, transparent, rgba(201, 168, 76, 0.5) 40%, transparent);
    opacity: 0;
    top: 52%;
    transform: rotate(-13deg);
    animation: lineAppear2 2.8s 0.4s ease forwards;
}

@keyframes lineAppear {
    from {
        opacity: 0;
        transform: rotate(-13deg) scaleX(0);
    }

    to {
        opacity: 0.22;
        transform: rotate(-13deg) scaleX(1);
    }
}

@keyframes lineAppear2 {
    from {
        opacity: 0;
        transform: rotate(-13deg) scaleX(0);
    }

    to {
        opacity: 0.1;
        transform: rotate(-13deg) scaleX(1);
    }
}

.hero-content {
    position: relative;
    z-index: 2;
    padding: 0 5%;
    max-width: 860px;
    animation: fadeUp 1s 0.5s ease both;
}

@keyframes fadeUp {
    from {
        opacity: 0;
        transform: translateY(28px);
    }

    to {
        opacity: 1;
        transform: none;
    }
}

.hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 1.6rem;
}

.hero-eyebrow-bar {
    width: 32px;
    height: 1px;
    background: var(--gold);
}

.hero-eyebrow-label {
    font-size: 0.65rem;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 500;
}

.hero-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.6rem, 6.5vw, 4.8rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.08;
    margin-bottom: 1.1rem;
}

.hero-title em {
    font-style: normal;
    color: var(--gold);
}

.hero-tagline {
    font-size: clamp(0.95rem, 2vw, 1.18rem);
    color: rgba(255, 255, 255, 0.6);
    font-weight: 300;
    margin-bottom: 2.5rem;
    line-height: 1.7;
    max-width: 600px;
}

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

.hero-scroll {
    position: absolute;
    bottom: 2.5rem;
    left: 5%;
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: rgba(255, 255, 255, 0.3);
    font-size: 0.65rem;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    animation: fadeUp 1s 1.4s ease both;
}

.hero-scroll-bar {
    width: 1px;
    height: 38px;
    background: linear-gradient(to bottom, var(--gold), transparent);
    animation: pulse 2s ease infinite;
}

@keyframes pulse {

    0%,
    100% {
        opacity: 0.35;
    }

    50% {
        opacity: 1;
    }
}

.hero-stats {
    position: absolute;
    bottom: 2.5rem;
    right: 5%;
    display: flex;
    gap: 2.5rem;
    animation: fadeUp 1s 1.2s ease both;
}

.hero-stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 1.7rem;
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
}

.hero-stat-label {
    font-size: 0.6rem;
    color: rgba(255, 255, 255, 0.38);
    letter-spacing: 0.1em;
    text-transform: uppercase;
    margin-top: 3px;
}

/* ============================================================
   HOME PAGE — ABOUT SECTION
   ============================================================ */
#about {
    background: var(--off);
}

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 5rem;
    align-items: center;
    margin-top: 3rem;
}

.about-text p {
    font-size: 0.95rem;
    color: var(--muted);
    line-height: 1.82;
    margin-bottom: 1rem;
}

.pillars {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    margin-top: 2rem;
}

.pillar {
    background: var(--white);
    border: 1px solid var(--rule);
    border-top: 2px solid var(--gold);
    padding: 1.4rem;
}

.pillar-label {
    font-size: 0.63rem;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 0.45rem;
}

.pillar-body {
    font-size: 0.85rem;
    color: var(--muted);
    line-height: 1.65;
}

.founder-card {
    background: var(--navy);
    padding: 2.8rem;
    position: relative;
    overflow: hidden;
}

.founder-card::before {
    content: '\201C';
    position: absolute;
    top: -1rem;
    left: 1.2rem;
    font-family: 'Playfair Display', serif;
    font-size: 9rem;
    color: var(--gold);
    opacity: 0.09;
    line-height: 1;
    pointer-events: none;
}

.founder-quote {
    font-family: 'Playfair Display', serif;
    font-size: 1.05rem;
    color: var(--white);
    line-height: 1.7;
    font-style: italic;
    margin-bottom: 1.8rem;
    position: relative;
}

.founder-name {
    font-size: 0.75rem;
    color: var(--gold);
    letter-spacing: 0.12em;
    text-transform: uppercase;
    font-weight: 600;
}

.founder-role {
    font-size: 0.72rem;
    color: rgba(255, 255, 255, 0.4);
    margin-top: 3px;
}

/* ============================================================
   HOME PAGE — SERVICES PREVIEW GRID
   ============================================================ */
#services-preview {
    background: var(--white);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    border: 1px solid var(--rule);
    margin-top: 3rem;
}

.svc-card {
    padding: 2.2rem 1.9rem;
    border-right: 1px solid var(--rule);
    border-bottom: 1px solid var(--rule);
    transition: background 0.25s;
}

.svc-card:nth-child(3n) {
    border-right: none;
}

.svc-card:nth-last-child(-n+3) {
    border-bottom: none;
}

.svc-card:hover {
    background: var(--navy);
}

.svc-card:hover .svc-icon path,
.svc-card:hover .svc-icon rect,
.svc-card:hover .svc-icon circle,
.svc-card:hover .svc-icon polyline,
.svc-card:hover .svc-icon line {
    stroke: var(--gold);
}

.svc-card:hover .svc-name {
    color: var(--white);
}

.svc-card:hover .svc-desc {
    color: rgba(255, 255, 255, 0.5);
}

.svc-icon {
    width: 26px;
    height: 26px;
    margin-bottom: 1rem;
}

.svc-icon path,
.svc-icon rect,
.svc-icon circle,
.svc-icon polyline,
.svc-icon line {
    stroke: var(--navy);
    fill: none;
    stroke-width: 1.6;
    stroke-linecap: round;
    stroke-linejoin: round;
    transition: stroke 0.25s;
}

.svc-name {
    font-family: 'Playfair Display', serif;
    font-size: 1.05rem;
    color: var(--navy);
    margin-bottom: 0.6rem;
    transition: color 0.25s;
    line-height: 1.3;
}

.svc-desc {
    font-size: 0.83rem;
    color: var(--muted);
    line-height: 1.72;
    transition: color 0.25s;
}

/* ============================================================
   HOME — INDUSTRIES STRIP
   ============================================================ */
#industries {
    background: var(--navy);
}

.ind-layout {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 5rem;
    align-items: start;
    margin-top: 3rem;
}

.ind-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 0.7rem;
}

.ind-tag {
    border: 1px solid rgba(201, 168, 76, 0.28);
    color: rgba(255, 255, 255, 0.75);
    padding: 0.55rem 1.15rem;
    font-size: 0.78rem;
    letter-spacing: 0.05em;
    transition: border-color 0.2s, color 0.2s, background 0.2s;
    cursor: default;
}

.ind-tag:hover {
    border-color: var(--gold);
    color: var(--gold);
    background: rgba(201, 168, 76, 0.07);
}

.ind-statement {
    border-left: 2px solid var(--gold);
    padding-left: 2rem;
}

.ind-statement p {
    font-size: 0.97rem;
    color: rgba(255, 255, 255, 0.6);
    line-height: 1.82;
    margin-bottom: 1.2rem;
}

.ind-statement p:last-child {
    margin-bottom: 0;
}

.ind-statement strong {
    color: var(--gold-lt);
    font-weight: 500;
}

/* ============================================================
   HOME — CTA BANNER
   ============================================================ */
.cta-banner {
    background: var(--gold);
    padding: 4rem 5%;
}

.cta-banner-inner {
    max-width: 1180px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 2rem;
    flex-wrap: wrap;
}

.cta-banner h2 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.4rem, 3vw, 2rem);
    color: var(--navy-deep);
    font-weight: 700;
    line-height: 1.2;
}

.cta-banner p {
    font-size: 0.92rem;
    color: rgba(17, 28, 50, 0.65);
    margin-top: 0.4rem;
}

/* ============================================================
   HOME — PROFILE DOWNLOAD
   ============================================================ */
#profile {
    background: var(--navy);
}

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

.profile-features {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    margin-top: 2rem;
}

.profile-feature {
    display: flex;
    gap: 1rem;
    align-items: flex-start;
}

.pf-dot {
    width: 5px;
    height: 5px;
    border-radius: 50%;
    background: var(--gold);
    margin-top: 7px;
    flex-shrink: 0;
}

.pf-text {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.62);
    line-height: 1.65;
}

.profile-box {
    border: 1px solid rgba(201, 168, 76, 0.25);
    padding: 3rem;
    text-align: center;
}

.profile-box h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.4rem;
    color: var(--white);
    margin-bottom: 0.75rem;
}

.profile-box p {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.48);
    margin-bottom: 2rem;
    line-height: 1.65;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
    .footer-top {
        grid-template-columns: 1fr 1fr;
    }

    .product-cards {
        grid-template-columns: repeat(2, 1fr) !important;
    }
}

@media (max-width: 860px) {

    .about-grid,
    .profile-inner,
    .ind-layout {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }

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

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

    .hero-stats {
        display: none;
    }

    .cta-banner-inner {
        flex-direction: column;
        align-items: flex-start;
    }
}

@media (max-width: 640px) {
    .nav-links {
        display: none;
    }

    .hamburger {
        display: flex;
    }

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

    .product-cards {
        grid-template-columns: 1fr !important;
    }

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

    .form-row-2 {
        grid-template-columns: 1fr;
    }

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

    .section-inner {
        padding: 4rem 5%;
    }

    .product-inner {
        padding: 0 5%;
    }

    .footer-top {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
}

@media (prefers-reduced-motion: reduce) {

    .hero-line-1,
    .hero-line-2,
    .hero-content,
    .hero-scroll,
    .hero-stats {
        animation: none;
        opacity: 1;
        transform: none;
    }

    .hero-scroll-bar {
        animation: none;
    }

    .reveal {
        opacity: 1;
        transform: none;
        transition: none;
    }
}

/* ============================================================
   COOKIE BANNER (PRIVACY NOTICE)
   ============================================================ */
.cookie-banner {
    position: fixed;
    bottom: 24px;
    left: 24px;
    right: 24px;
    max-width: 480px;
    background: var(--navy-deep);
    border-top: 3px solid var(--gold);
    box-shadow: 0 12px 32px rgba(17, 28, 50, 0.25);
    padding: 1.8rem;
    z-index: 1000;
    display: flex;
    flex-direction: column;
    gap: 1.2rem;
    border-radius: 1px;
    transform: translateY(120%);
    transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.cookie-banner.show {
    transform: translateY(0);
}

.cookie-title {
    font-family: 'Playfair Display', serif;
    font-size: 1.15rem;
    color: var(--white);
    font-weight: 700;
}

.cookie-text {
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.65);
    line-height: 1.6;
}

.cookie-text a {
    color: var(--gold);
    text-decoration: underline;
}

.cookie-text a:hover {
    color: var(--gold-lt);
}

.cookie-actions {
    display: flex;
    gap: 0.8rem;
}

.cookie-btn-accept {
    background: var(--gold);
    color: var(--navy-deep);
    padding: 0.6rem 1.4rem;
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    border: none;
    cursor: pointer;
    transition: background 0.2s, transform 0.1s;
}

.cookie-btn-accept:hover {
    background: var(--gold-lt);
}

.cookie-btn-accept:active {
    transform: translateY(1px);
}

.cookie-btn-decline {
    background: transparent;
    color: var(--white);
    border: 1px solid rgba(255, 255, 255, 0.2);
    padding: 0.6rem 1.4rem;
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    cursor: pointer;
    transition: border-color 0.2s, color 0.2s;
}

.cookie-btn-decline:hover {
    border-color: var(--white);
}

@media (max-width: 640px) {
    .cookie-banner {
        left: 12px;
        right: 12px;
        bottom: 12px;
        max-width: none;
    }
}

/* ============================================================
   ARTICLE MODAL (READ ARTICLE FEATURE)
   ============================================================ */
.article-modal {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(17, 28, 50, 0.8);
    backdrop-filter: blur(8px);
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
    padding: 2rem 5%;
}

.article-modal.show {
    opacity: 1;
    pointer-events: auto;
}

.article-modal-content {
    background: var(--white);
    max-width: 800px;
    width: 100%;
    max-height: 90vh;
    overflow-y: auto;
    border-top: 4px solid var(--gold);
    box-shadow: 0 24px 64px rgba(17, 28, 50, 0.4);
    padding: 3rem;
    position: relative;
    transform: scale(0.9);
    transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.article-modal.show .article-modal-content {
    transform: scale(1);
}

.article-modal-close {
    position: absolute;
    top: 1.5rem;
    right: 1.5rem;
    background: none;
    border: none;
    font-size: 1.8rem;
    color: var(--muted);
    cursor: pointer;
    line-height: 1;
    transition: color 0.2s;
}

.article-modal-close:hover {
    color: var(--navy);
}

.article-modal-cat {
    font-size: 0.72rem;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 0.8rem;
}

.article-modal-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.6rem, 4vw, 2.2rem);
    color: var(--navy);
    line-height: 1.25;
    margin-bottom: 1.5rem;
}

.article-modal-body {
    font-size: 0.95rem;
    color: var(--text);
    line-height: 1.8;
}

.article-modal-body p {
    margin-bottom: 1.2rem;
}

.article-modal-body h4 {
    font-family: 'Playfair Display', serif;
    font-size: 1.25rem;
    color: var(--navy);
    margin-top: 1.8rem;
    margin-bottom: 0.8rem;
}

@media (max-width: 640px) {
    .article-modal-content {
        padding: 2rem 1.5rem;
    }
}

/* ============================================================
   RETIREMENT SAVINGS SIMULATOR
   ============================================================ */
.simulator-container {
    margin-top: 5rem;
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.07);
    padding: 3rem;
    border-radius: 1px;
}

.simulator-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 4rem;
    align-items: center;
}

.simulator-inputs {
    display: flex;
    flex-direction: column;
    gap: 1.8rem;
}

.sim-group {
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
}

.sim-label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.sim-label {
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.7);
    font-weight: 500;
}

.sim-val {
    font-size: 0.9rem;
    color: var(--gold-lt);
    font-weight: 600;
}

.sim-slider {
    -webkit-appearance: none;
    width: 100%;
    height: 4px;
    background: rgba(255, 255, 255, 0.15);
    outline: none;
    border-radius: 2px;
}

.sim-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 16px;
    height: 16px;
    background: var(--gold);
    cursor: pointer;
    border-radius: 50%;
    transition: background 0.15s, transform 0.1s;
}

.sim-slider::-webkit-slider-thumb:hover {
    background: var(--gold-lt);
    transform: scale(1.15);
}

.sim-result-box {
    background: rgba(255, 255, 255, 0.02);
    border: 1px solid rgba(255, 255, 255, 0.05);
    padding: 2.2rem;
    border-radius: 1px;
}

.sim-result-label {
    font-size: 0.75rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.45);
    margin-bottom: 0.5rem;
}

.sim-result-number {
    font-family: 'Playfair Display', serif;
    font-size: 2.5rem;
    color: var(--white);
    font-weight: 700;
    line-height: 1.1;
}

.sim-breakdown-row {
    display: flex;
    justify-content: space-between;
    font-size: 0.8rem;
    padding-bottom: 0.4rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.sim-breakdown-label {
    color: rgba(255, 255, 255, 0.4);
}

.sim-breakdown-val {
    color: var(--white);
    font-weight: 500;
}

.sim-result-cta {
    margin-top: 2rem;
    padding-top: 1.5rem;
    border-top: 1px dashed rgba(255, 255, 255, 0.1);
}

.sim-result-cta p {
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.5);
    line-height: 1.6;
}

@media (max-width: 860px) {
    .simulator-grid {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }
    
    .simulator-container {
        padding: 2rem 1.5rem;
    }
}

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.faq-container {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.faq-item {
    border-bottom: 1px solid var(--rule);
}

.faq-question {
    width: 100%;
    text-align: left;
    background: none;
    border: none;
    padding: 1.5rem 0;
    font-family: 'Playfair Display', serif;
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--navy);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: color 0.2s;
    outline: none;
}

.faq-question::after {
    content: '+';
    font-size: 1.5rem;
    font-weight: 300;
    color: var(--gold);
    transition: transform 0.3s ease;
}

.faq-item.active .faq-question {
    color: var(--gold);
}

.faq-item.active .faq-question::after {
    transform: rotate(45deg);
    content: '+';
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s cubic-bezier(0.16, 1, 0.3, 1), padding 0.3s ease;
}

.faq-answer p {
    font-size: 0.9rem;
    color: var(--text);
    line-height: 1.7;
    margin-bottom: 1rem;
}

.faq-answer ul {
    margin-left: 1.2rem;
    margin-bottom: 1rem;
    font-size: 0.9rem;
    color: var(--text);
    line-height: 1.7;
}

.faq-answer li {
    margin-bottom: 0.4rem;
}

.faq-item.active .faq-answer {
    max-height: 500px;
    padding-bottom: 1.5rem;
}

/* ============================================================
   FLOATING WHATSAPP BUTTON
   ============================================================ */
.whatsapp-float {
    position: fixed;
    bottom: 24px;
    left: 24px;
    width: 56px;
    height: 56px;
    background-color: #25D366;
    color: #FFF;
    border-radius: 50%;
    text-align: center;
    box-shadow: 0 4px 16px rgba(37, 211, 102, 0.4);
    z-index: 1900;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), background-color 0.2s, box-shadow 0.3s, opacity 0.3s ease;
    text-decoration: none;
    opacity: 0;
    pointer-events: none;
    transform: scale(0.8);
}

.whatsapp-float.show {
    opacity: 1;
    pointer-events: auto;
    transform: scale(1);
}

.whatsapp-float:hover {
    background-color: #20BA5A;
    transform: scale(1.1) translateY(-2px);
    box-shadow: 0 6px 20px rgba(37, 211, 102, 0.5);
}

.whatsapp-float:active {
    transform: scale(0.95) translateY(0);
}

.whatsapp-float svg {
    width: 30px;
    height: 30px;
    fill: currentColor;
}

/* Pulsing effect */
.whatsapp-float::after {
    content: '';
    position: absolute;
    width: 100%;
    height: 100%;
    border-radius: 50%;
    border: 2px solid #25D366;
    top: 0;
    left: 0;
    box-sizing: border-box;
    animation: wa-pulse 2s infinite;
    z-index: -1;
}

@keyframes wa-pulse {
    0% {
        transform: scale(1);
        opacity: 0.8;
    }
    100% {
        transform: scale(1.4);
        opacity: 0;
    }
}

@media (max-width: 640px) {
    .whatsapp-float {
        bottom: 16px;
        left: 16px;
        width: 48px;
        height: 48px;
    }
    .whatsapp-float svg {
        width: 24px;
        height: 24px;
    }
}

/* ============================================================
   LANGUAGE SWITCHER
   ============================================================ */
.nav-links li.lang-switch-item {
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    color: var(--muted);
    margin-left: 1.5rem;
    display: inline-flex;
    align-items: center;
    gap: 0.3rem;
}

.nav-links li.lang-switch-item a {
    color: var(--white);
    opacity: 0.65;
    text-decoration: none;
    transition: opacity 0.2s, color 0.2s;
}

.nav-links li.lang-switch-item a:hover {
    color: var(--gold);
    opacity: 1;
}

.nav-links li.lang-switch-item span.active-lang {
    color: var(--gold);
}

@media (max-width: 900px) {
    .nav-links li.lang-switch-item {
        display: none;
    }
}