/* ═══════════════════════════════════════════
   TOKENS — Deep Teal + Amber
═════════════════════════════════════════════ */
:root {
    --slate: #243B70;
    --slate-mid: #31549A;
    --slate-lt: #4778C7;

    --coral: #36B8A0;
    --coral-lt: #73D6C0;
    --coral-pale: #E7F8F3;

    --sand: #F0F3FA;
    --sand-dk: #E2E8F4;
    --sand-dkr: #CCD6E8;

    --cream: #FAFBFF;
    --ink: #17243B;
    --mist: #7B8DAA;
    --white: #FFFFFF;

    --r1: 8px;
    --r2: 16px;
    --r3: 28px;
    --r4: 48px;
    --r5: 72px;
    --pill: 999px;

    --shadow-sm: 0 4px 16px rgba(36, 59, 112, 0.08);
    --shadow-md: 0 12px 40px rgba(36, 59, 112, 0.12);
    --shadow-lg: 0 28px 70px rgba(36, 59, 112, 0.16);

    --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Figtree', sans-serif;
    background: var(--cream);
    color: var(--ink);
    overflow-x: hidden;
    line-height: 1.65;
}

img {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: cover;
}

h1,
h2,
h3 {
    font-family: 'Fraunces', serif;
    line-height: 1.07;
    letter-spacing: -0.02em;
}

.wrap {
    max-width: 1220px;
    margin: 0 auto;
    padding: 0 6%;
}

section {
    padding: 110px 0;
}

/* ═══════════════════════════════════════════
   SHARED
═════════════════════════════════════════════ */
.chip {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 7px 16px;
    background: rgba(232, 163, 71, 0.1);
    border: 1px solid rgba(232, 163, 71, 0.25);
    border-radius: var(--pill);
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .16em;
    text-transform: uppercase;
    color: var(--coral);
    margin-bottom: 18px;
}

.chip i {
    font-size: .8rem;
}

.h2 {
    font-size: 3.8rem;
    color: var(--ink);
    margin-bottom: 16px;
    letter-spacing: -1.5px;
}

.h2 em {
    color: var(--coral);
    font-style: italic;
}

.h2 span {
    color: var(--slate);
}

.lead {
    font-size: 1.08rem;
    color: var(--mist);
    line-height: 1.82;
    font-weight: 400;
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    padding: 14px 28px;
    font-family: 'Figtree', sans-serif;
    font-size: .93rem;
    font-weight: 700;
    border-radius: var(--r2);
    text-decoration: none;
    cursor: pointer;
    border: none;
    transition: all .38s var(--ease);
    letter-spacing: .02em;
}

.btn-coral {
    background: var(--coral);
    color: var(--white);
    box-shadow: 0 6px 28px rgba(232, 163, 71, 0.3);
}

.btn-coral:hover {
    background: var(--coral-lt);
    transform: translateY(-3px);
    box-shadow: 0 12px 36px rgba(232, 163, 71, 0.4);
}

.btn-slate {
    background: var(--slate);
    color: var(--white);
    box-shadow: 0 6px 28px rgba(26, 74, 74, 0.25);
}

.btn-slate:hover {
    background: var(--slate-mid);
    transform: translateY(-3px);
    box-shadow: 0 12px 36px rgba(26, 74, 74, 0.35);
}

.btn-outline {
    background: transparent;
    color: var(--slate);
    border: 1.5px solid var(--sand-dkr);
}

.btn-outline:hover {
    border-color: var(--coral);
    color: var(--coral);
    transform: translateY(-3px);
}

.btn-white {
    background: var(--white);
    color: var(--slate);
    box-shadow: var(--shadow-md);
}

.btn-white:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
}

/* ═══════════════════════════════════════════
   NAV
═════════════════════════════════════════════ */
nav {
    position: relative;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: 18px 6%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: rgba(253, 250, 246, 0.95);
    backdrop-filter: blur(20px);
    box-shadow: 0 1px 0 var(--sand-dk), var(--shadow-sm);
    transition: all .4s var(--ease);
}

/* kept for backward-compatibility — no longer toggled by scroll */
nav.scrolled {
    background: rgba(253, 250, 246, 0.95);
    backdrop-filter: blur(20px);
    box-shadow: 0 1px 0 var(--sand-dk), var(--shadow-sm);
    padding: 18px 6%;
}

.logo {
    font-family: 'Fraunces', serif;
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--slate);
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 11px;
    letter-spacing: -0.3px;
}

.logo-dot {
    width: 36px;
    height: 36px;
    background: linear-gradient(135deg, var(--coral), var(--coral-lt));
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: .9rem;
    font-family: 'Fraunces', serif;
    font-weight: 900;
}

.nav-ul {
    display: flex;
    list-style: none;
    gap: 32px;
    align-items: center;
}

.nav-ul a {
    text-decoration: none;
    color: var(--mist);
    font-size: .88rem;
    font-weight: 600;
    letter-spacing: .04em;
    transition: color .3s;
}

.nav-ul a:hover,
.nav-ul a.active {
    color: var(--slate);
}

.nav-cta {
    background: var(--slate) !important;
    color: var(--white) !important;
    padding: 10px 22px !important;
    border-radius: var(--pill) !important;
    font-weight: 700 !important;
}

.nav-cta:hover {
    background: var(--slate-mid) !important;
    transform: translateY(-1px);
}

.ham {
    display: none;
    background: none;
    border: none;
    font-size: 1.5rem;
    color: var(--slate);
    cursor: pointer;
}

.mob {
    position: fixed;
    inset: 0;
    background: var(--slate);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 36px;
    transform: translateX(100%);
    transition: transform .45s var(--ease);
    z-index: 999;
}

.mob.open {
    transform: translateX(0);
}

.mob a {
    font-family: 'Fraunces', serif;
    font-size: 2.8rem;
    font-weight: 700;
    color: var(--sand);
    text-decoration: none;
    transition: color .3s;
}

.mob a:hover {
    color: var(--coral-lt);
}

/* ═══════════════════════════════════════════
   HERO — three-column magazine
═════════════════════════════════════════════ */
.hero {
    min-height: 100vh;
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    grid-template-rows: 1fr;
    gap: 0;
    overflow: hidden;
    position: relative;
}

/* Column 1: amber accent panel */
.hero-accent {
    background: var(--coral);
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    padding: 160px 40px 64px;
    position: relative;
    overflow: hidden;
}

.hero-accent::before {
    content: '';
    position: absolute;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.08);
    top: -80px;
    right: -80px;
}

.hero-accent::after {
    content: '';
    position: absolute;
    width: 180px;
    height: 180px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.05);
    bottom: 80px;
    left: -60px;
}

.hero-vertical {
    writing-mode: vertical-rl;
    text-orientation: mixed;
    transform: rotate(180deg);
    font-family: 'Fraunces', serif;
    font-size: 1.1rem;
    font-weight: 700;
    color: rgba(255, 255, 255, 0.35);
    letter-spacing: .2em;
    text-transform: uppercase;
    margin-bottom: 32px;
    position: relative;
    z-index: 1;
}

.hero-counter {
    position: relative;
    z-index: 1;
}

.hero-counter .num {
    font-family: 'Fraunces', serif;
    font-size: 5rem;
    font-weight: 900;
    color: rgba(255, 255, 255, 0.2);
    line-height: 1;
}

.hero-counter .lbl {
    font-size: .75rem;
    font-weight: 700;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.7);
}

/* Column 2: main content */
.hero-main {
    background: var(--cream);
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: 140px 56px 80px;
    position: relative;
    z-index: 2;
}

@keyframes slideUp {
    from {
        opacity: 0;
        transform: translateY(32px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.hero-main .chip,
.hero-main .hero-h1,
.hero-main .hero-p,
.hero-main .hero-btns,
.hero-main .hero-stats {
    opacity: 0;
    animation: slideUp .9s var(--ease) forwards;
}

.hero-main .chip {
    animation-delay: .05s;
}

.hero-main .hero-h1 {
    animation-delay: .2s;
}

.hero-main .hero-p {
    animation-delay: .35s;
}

.hero-main .hero-btns {
    animation-delay: .5s;
}

.hero-main .hero-stats {
    animation-delay: .65s;
}

.hero-h1 {
    font-size: 4.8rem;
    color: var(--ink);
    margin-bottom: 24px;
    letter-spacing: -2px;
    line-height: 1.03;
}

.hero-h1 em {
    color: var(--coral);
    display: block;
}

.hero-p {
    max-width: 420px;
    margin-bottom: 40px;
    color: var(--mist);
    font-size: 1.05rem;
    line-height: 1.82;
}

.hero-btns {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin-bottom: 56px;
}

.hero-stats {
    display: flex;
    gap: 32px;
    padding-top: 36px;
    border-top: 1px solid var(--sand-dk);
}

.hs-item .hs-num {
    font-family: 'Fraunces', serif;
    font-size: 2rem;
    font-weight: 700;
    color: var(--slate);
    line-height: 1;
    margin-bottom: 3px;
}

.hs-item .hs-lbl {
    font-size: .72rem;
    font-weight: 600;
    color: var(--mist);
    text-transform: uppercase;
    letter-spacing: .1em;
}

/* Column 3: image + floating cards */
.hero-visual {
    position: relative;
    overflow: hidden;
    background: var(--sand-dk);
}

.hero-visual img {
    position: absolute;
    inset: 0;
    transition: transform 9s ease;
}

.hero-visual:hover img {
    transform: scale(1.04);
}

.hero-visual::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(to bottom, transparent 40%, rgba(22, 32, 46, 0.35));
}

.hv-float {
    position: absolute;
    z-index: 2;
    background: rgba(253, 250, 246, 0.95);
    backdrop-filter: blur(16px);
    border-radius: var(--r3);
    padding: 22px 26px;
    box-shadow: var(--shadow-lg);
    animation: bobble 7s ease-in-out infinite;
}

@keyframes bobble {

    0%,
    100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-10px);
    }
}

.hv-float-top {
    top: 120px;
    left: 20px;
    min-width: 160px;
}

.hv-float-top .f-ico {
    color: var(--coral);
    font-size: 1.4rem;
    margin-bottom: 10px;
}

.hv-float-top .f-num {
    font-family: 'Fraunces', serif;
    font-size: 2rem;
    font-weight: 700;
    color: var(--slate);
    line-height: 1;
}

.hv-float-top .f-lbl {
    font-size: .72rem;
    font-weight: 600;
    color: var(--mist);
    text-transform: uppercase;
    letter-spacing: .1em;
}

.hv-float-bot {
    bottom: 80px;
    left: -30px;
    min-width: 175px;
    animation-delay: 2s;
}

.hv-float-bot .f-row {
    display: flex;
    align-items: center;
    gap: 10px;
}

.hv-float-bot .f-ico2 {
    width: 38px;
    height: 38px;
    background: var(--coral);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: .95rem;
    flex-shrink: 0;
}

.hv-float-bot .f-text {
    font-size: .88rem;
    font-weight: 700;
    color: var(--slate);
    line-height: 1.3;
}

.hv-float-bot .f-sub {
    font-size: .75rem;
    color: var(--mist);
    margin-top: 2px;
}

/* ═══════════════════════════════════════════
   MARQUEE BAR
═════════════════════════════════════════════ */
.marquee-bar {
    background: var(--slate);
    padding: 16px 0;
    overflow: hidden;
    border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.marquee-track {
    display: flex;
    gap: 48px;
    align-items: center;
    width: max-content;
    animation: march 22s linear infinite;
}

@keyframes march {
    from {
        transform: translateX(0);
    }

    to {
        transform: translateX(-50%);
    }
}

.marquee-item {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: .78rem;
    font-weight: 600;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: rgba(245, 239, 230, 0.5);
    white-space: nowrap;
}

.marquee-item i {
    color: var(--coral-lt);
    font-size: .9rem;
}

/* ═══════════════════════════════════════════
   ABOUT — Large editorial
═════════════════════════════════════════════ */
#about,
.section-about {
    background: var(--sand);
}

.about-top {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: end;
    margin-bottom: 72px;
}

.about-top .lead {
    max-width: none;
}

.about-top-right {
    display: flex;
    flex-direction: column;
    align-items: flex-end;
    gap: 20px;
}

.about-top-right .lead {
    text-align: right;
    max-width: 360px;
}

/* Masonry-feel bento */
.about-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr;
    grid-template-rows: auto auto;
    gap: 18px;
}

.acard {
    border-radius: var(--r4);
    padding: 44px;
    transition: all .42s var(--ease);
    position: relative;
    overflow: hidden;
}

.acard:hover {
    transform: translateY(-5px);
}

.acard-hero {
    grid-column: 1;
    grid-row: 1/3;
    background: var(--slate);
    box-shadow: var(--shadow-lg);
}

.acard-hero::before {
    content: '';
    position: absolute;
    width: 260px;
    height: 260px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232, 163, 71, 0.15), transparent 70%);
    top: -60px;
    right: -60px;
}

.acard-hero .ah-icon {
    width: 58px;
    height: 58px;
    background: rgba(232, 163, 71, 0.15);
    border: 1px solid rgba(232, 163, 71, 0.3);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--coral-lt);
    font-size: 1.4rem;
    margin-bottom: 30px;
    position: relative;
    z-index: 1;
}

.acard-hero h3 {
    font-size: 2.5rem;
    color: var(--white);
    margin-bottom: 20px;
    position: relative;
    z-index: 1;
}

.acard-hero p {
    font-size: .98rem;
    color: rgba(245, 239, 230, 0.65);
    line-height: 1.85;
    margin-bottom: 14px;
    position: relative;
    z-index: 1;
}

.acard-hero .atag {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 9px 18px;
    border: 1px solid rgba(232, 163, 71, 0.35);
    border-radius: var(--pill);
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--coral-lt);
    margin-top: 10px;
    position: relative;
    z-index: 1;
}

.acard-stat {
    grid-column: 2;
    grid-row: 1;
    background: var(--coral);
    display: flex;
    flex-direction: column;
    justify-content: center;
    text-align: center;
    box-shadow: var(--shadow-md);
}

.acard-stat .big {
    font-family: 'Fraunces', serif;
    font-size: 5rem;
    font-weight: 900;
    color: var(--white);
    line-height: 1;
}

.acard-stat .lbl {
    font-size: .72rem;
    font-weight: 700;
    color: rgba(255, 255, 255, 0.65);
    text-transform: uppercase;
    letter-spacing: .15em;
    margin-top: 8px;
}

.acard-white {
    background: var(--white);
    box-shadow: var(--shadow-sm);
}

.acard-white .aw-icon {
    width: 50px;
    height: 50px;
    background: var(--coral-pale);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--coral);
    font-size: 1.2rem;
    margin-bottom: 18px;
}

.acard-white h4 {
    font-size: 1.15rem;
    color: var(--ink);
    margin-bottom: 10px;
}

.acard-white p {
    font-size: .9rem;
    color: var(--mist);
    line-height: 1.75;
}

.acard-sand {
    background: var(--sand-dk);
    border: 1px solid var(--sand-dkr);
}

.acard-sand .aw-icon {
    width: 50px;
    height: 50px;
    background: rgba(26, 74, 74, 0.08);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--slate);
    font-size: 1.2rem;
    margin-bottom: 18px;
}

.acard-sand h4 {
    font-size: 1.15rem;
    margin-bottom: 10px;
}

.acard-sand p {
    font-size: .9rem;
    color: var(--mist);
    line-height: 1.75;
}

/* ═══════════════════════════════════════════
   SERVICES — Teal bg, overlapping layout
═════════════════════════════════════════════ */
#services,
.section-services {
    background: var(--slate);
    position: relative;
    overflow: hidden;
}

#services::before,
.section-services::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: radial-gradient(circle at 80% 20%, rgba(232, 163, 71, 0.12) 0%, transparent 50%),
        radial-gradient(circle at 10% 80%, rgba(45, 122, 122, 0.2) 0%, transparent 50%);
}

#services .chip,
.section-services .chip {
    background: rgba(232, 163, 71, 0.15);
    border-color: rgba(232, 163, 71, 0.3);
    color: var(--coral-lt);
}

#services .h2,
.section-services .h2 {
    color: var(--sand);
}

#services .h2 em,
.section-services .h2 em {
    color: var(--coral-lt);
}

#services .lead,
.section-services .lead {
    color: rgba(245, 239, 230, 0.55);
}

.svc-hdr {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 32px;
    margin-bottom: 52px;
    position: relative;
    z-index: 1;
    flex-wrap: wrap;
}

/* Horizontal scroll tabs */
.svc-tabs {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    margin-bottom: 36px;
    position: relative;
    z-index: 1;
}

.stab {
    padding: 11px 20px;
    background: rgba(245, 239, 230, 0.06);
    border: 1px solid rgba(245, 239, 230, 0.1);
    border-radius: var(--r2);
    font-family: 'Figtree', sans-serif;
    font-size: .85rem;
    font-weight: 600;
    color: rgba(245, 239, 230, 0.5);
    cursor: pointer;
    transition: all .32s var(--ease);
    display: flex;
    align-items: center;
    gap: 8px;
}

.stab i {
    color: var(--coral-lt);
    font-size: .95rem;
}

.stab:hover {
    background: rgba(245, 239, 230, 0.1);
    color: rgba(245, 239, 230, 0.85);
}

.stab.on {
    background: var(--coral);
    color: var(--white);
    border-color: var(--coral);
    box-shadow: 0 6px 24px rgba(232, 163, 71, 0.35);
}

.stab.on i {
    color: var(--white);
}

.svc-body {
    position: relative;
    z-index: 1;
}

.spanel {
    display: none;
    animation: panIn .42s var(--ease);
}

.spanel.on {
    display: block;
}

@keyframes panIn {
    from {
        opacity: 0;
        transform: translateY(16px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.svc-banner {
    background: rgba(245, 239, 230, 0.05);
    border: 1px solid rgba(245, 239, 230, 0.1);
    border-radius: var(--r4);
    padding: 48px;
    margin-bottom: 20px;
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 40px;
    align-items: center;
    position: relative;
    overflow: hidden;
}

.svc-banner::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 4px;
    height: 100%;
    background: linear-gradient(to bottom, var(--coral), transparent);
    border-radius: var(--r4) 0 0 var(--r4);
}

.svc-banner h3 {
    font-size: 2.6rem;
    color: var(--sand);
    margin-bottom: 12px;
}

.svc-banner p {
    font-size: 1rem;
    color: rgba(245, 239, 230, 0.6);
    line-height: 1.78;
}

.svc-cards {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(315px, 1fr));
    gap: 14px;
}

.sc {
    background: rgba(245, 239, 230, 0.04);
    border: 1px solid rgba(245, 239, 230, 0.08);
    border-radius: var(--r3);
    padding: 24px;
    transition: all .35s var(--ease);
    position: relative;
    overflow: hidden;
}

.sc::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(232, 163, 71, 0.06), transparent);
    opacity: 0;
    transition: opacity .3s;
}

.sc:hover {
    border-color: rgba(232, 163, 71, 0.35);
    transform: translateY(-4px);
    box-shadow: 0 18px 48px rgba(0, 0, 0, 0.25);
}

.sc:hover::after {
    opacity: 1;
}

.sc-ico {
    width: 40px;
    height: 40px;
    background: rgba(232, 163, 71, 0.12);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--coral-lt);
    font-size: 1rem;
    margin-bottom: 14px;
}

.sc h5 {
    font-size: .95rem;
    color: rgba(245, 239, 230, 0.9);
    margin-bottom: 8px;
}

.sc p {
    font-size: .84rem;
    color: rgba(245, 239, 230, 0.5);
    line-height: 1.65;
}

.sc.wide {
    grid-column: 1/-1;
    display: flex;
    align-items: center;
    gap: 20px;
}

.sc.wide .sc-body h5 {
    color: var(--coral-lt);
    font-size: 1.05rem;
}

.sc.wide .sc-body p {
    max-width: 700px;
}

.sc.accent {
    background: rgba(26, 74, 74, 0.4);
    border-color: rgba(45, 122, 122, 0.3);
}

.sc.accent .sc-ico {
    background: rgba(45, 122, 122, 0.25);
    color: rgba(150, 200, 180, 0.8);
}

/* ═══════════════════════════════════════════
   REVIEWS — Horizontal scroll cards
═════════════════════════════════════════════ */
#reviews,
.section-reviews {
    background: var(--cream);
    overflow: hidden;
}

.reviews-head {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 24px;
    margin-bottom: 56px;
    flex-wrap: wrap;
}

.reviews-head .lead {
    max-width: 380px;
}

/* Staggered masonry */
.reviews-mosaic {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    grid-template-rows: auto auto;
    gap: 20px;
}

.rc {
    background: var(--white);
    border-radius: var(--r4);
    padding: 40px;
    box-shadow: var(--shadow-sm);
    border: 1px solid transparent;
    transition: all .42s var(--ease);
    display: flex;
    flex-direction: column;
}

.rc:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(232, 163, 71, 0.12);
}

.rc.big {
    grid-column: 1;
    grid-row: 1/3;
}

.rc.teal {
    background: var(--slate);
}

.rc.teal .rc-quote {
    color: rgba(245, 239, 230, 0.88);
}

.rc.teal .rc-name {
    color: var(--sand);
}

.rc.teal .rc-role {
    color: rgba(245, 239, 230, 0.45);
}

.rc.teal .rc-stars {
    color: var(--coral-lt);
}

.rc.sand {
    background: var(--sand-dk);
    border-color: var(--sand-dkr);
}

.rc-stars {
    color: var(--coral);
    font-size: .88rem;
    letter-spacing: 3px;
    margin-bottom: 18px;
}

.rc-mark {
    font-family: 'Fraunces', serif;
    font-size: 5rem;
    line-height: .7;
    color: rgba(232, 163, 71, 0.1);
    font-weight: 900;
    margin-bottom: 4px;
}

.rc-quote {
    font-size: 1.02rem;
    color: var(--ink);
    line-height: 1.78;
    font-weight: 400;
    margin-bottom: auto;
    padding-bottom: 26px;
}

.rc-name {
    font-family: 'Fraunces', serif;
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--coral);
}

.rc-role {
    font-size: .8rem;
    color: var(--mist);
    margin-top: 2px;
}

/* ═══════════════════════════════════════════
   NEWSLETTER — Immersive panel
═════════════════════════════════════════════ */
#subscribe,
.section-subscribe {
    padding: 0;
    overflow: hidden;
}

.nl-shell {
    background: linear-gradient(135deg, var(--slate) 0%, var(--slate-mid) 50%, #1A5555 100%);
    position: relative;
    overflow: hidden;
    min-height: 100vh;
    display: flex;
    align-items: center;
}

.nl-shell::before {
    content: '';
    position: absolute;
    width: 700px;
    height: 700px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232, 163, 71, 0.14), transparent 65%);
    top: -200px;
    right: -100px;
    pointer-events: none;
}

.nl-shell::after {
    content: '';
    position: absolute;
    width: 350px;
    height: 350px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232, 163, 71, 0.07), transparent 65%);
    bottom: -80px;
    left: 15%;
    pointer-events: none;
}

/* top stripe */
.nl-stripe {
    height: 3px;
    background: linear-gradient(90deg, transparent, var(--coral-lt), var(--coral), var(--coral-lt), transparent);
}

.nl-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
    padding: 96px 8%;
    position: relative;
    z-index: 1;
    max-width: 1220px;
    margin: 0 auto;
    width: 100%;
}

.nl-left .chip {
    background: rgba(232, 163, 71, 0.18);
    border-color: rgba(232, 163, 71, 0.35);
    color: var(--coral-lt);
}

.nl-left h2 {
    font-size: 3.6rem;
    color: var(--sand);
    letter-spacing: -1.5px;
    margin-bottom: 18px;
}

.nl-left h2 em {
    color: var(--coral-lt);
}

.nl-left p {
    font-size: 1.05rem;
    color: rgba(245, 239, 230, 0.65);
    line-height: 1.82;
    margin-bottom: 26px;
}

.nl-unsub {
    color: rgba(245, 239, 230, 0.45);
    font-size: .82rem;
    font-weight: 500;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    cursor: pointer;
    transition: color .3s;
}

.nl-unsub:hover {
    color: var(--coral-lt);
}

.nl-form {
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(245, 239, 230, 0.12);
    border-radius: var(--r5);
    padding: 48px;
    backdrop-filter: blur(20px);
}

.fg {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    margin-bottom: 14px;
}

.fl {
    margin-bottom: 14px;
}

.fl label {
    display: block;
    font-size: .7rem;
    font-weight: 700;
    letter-spacing: .16em;
    text-transform: uppercase;
    color: rgba(245, 239, 230, 0.5);
    margin-bottom: 8px;
}

.fl input,
.fl select,
.fl textarea {
    width: 100%;
    padding: 14px 18px;
    background: rgba(255, 255, 255, 0.07);
    border: 1px solid rgba(245, 239, 230, 0.14);
    border-radius: var(--r2);
    font-family: 'Figtree', sans-serif;
    font-size: .93rem;
    color: var(--sand);
    font-weight: 500;
    outline: none;
    transition: all .3s;
}

.fl input::placeholder,
.fl textarea::placeholder {
    color: rgba(245, 239, 230, 0.28);
}

.fl input:focus,
.fl select:focus,
.fl textarea:focus {
    border-color: var(--coral-lt);
    background: rgba(255, 255, 255, 0.11);
}

.fl select option {
    background: var(--slate);
    color: var(--sand);
}

.ck {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin: 14px 0 22px;
}

.ck input[type=checkbox] {
    width: 16px;
    height: 16px;
    margin-top: 3px;
    accent-color: var(--coral-lt);
    flex-shrink: 0;
    cursor: pointer;
}

.ck label {
    font-size: .82rem;
    color: rgba(245, 239, 230, 0.55);
    line-height: 1.6;
}

/* ═══════════════════════════════════════════
   FAQ — Two col, sand bg
═════════════════════════════════════════════ */
#faq,
.section-faq {
    background: var(--sand);
}

.faq-hd {
    text-align: center;
    margin-bottom: 64px;
}

.faq-hd .chip {
    justify-content: center;
    display: inline-flex;
}

.faq-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}

.fq {
    background: var(--white);
    border: 1px solid var(--sand-dkr);
    border-radius: var(--r3);
    overflow: hidden;
    transition: border-color .3s;
}

.fq:hover {
    border-color: rgba(232, 163, 71, 0.3);
}

.fq-btn {
    width: 100%;
    background: none;
    border: none;
    padding: 24px 28px;
    font-family: 'Figtree', sans-serif;
    font-size: .97rem;
    font-weight: 600;
    color: var(--ink);
    cursor: pointer;
    text-align: left;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
}

.fq-ico {
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: var(--sand);
    border: 1px solid var(--sand-dkr);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--coral);
    font-size: .75rem;
    flex-shrink: 0;
    transition: all .3s;
}

.fq-btn:hover .fq-ico {
    background: var(--coral);
    color: var(--white);
    border-color: var(--coral);
}

.fq-ans {
    display: none;
    padding: 0 28px 22px;
    font-size: .93rem;
    color: var(--mist);
    line-height: 1.78;
}

/* ═══════════════════════════════════════════
   CONTACT — Two-panel edge-to-edge
═════════════════════════════════════════════ */
#contact,
.section-contact {
    padding: 0;
    overflow: hidden;
}

.contact-wrap {
    display: grid;
    grid-template-columns: 1fr 1.4fr;
    min-height: 720px;
}

.cl {
    background: var(--coral);
    padding: 96px 60px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    position: relative;
    overflow: hidden;
}

.cl::before {
    content: '';
    position: absolute;
    width: 350px;
    height: 350px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.08);
    bottom: -100px;
    right: -80px;
}

.cl::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: rgba(255, 255, 255, 0.2);
}

.cl .chip {
    background: rgba(255, 255, 255, 0.15);
    border-color: rgba(255, 255, 255, 0.3);
    color: var(--white);
}

.cl h2 {
    font-size: 3rem;
    color: var(--white);
    margin-bottom: 14px;
    letter-spacing: -1px;
}

.cl h2 em {
    color: rgba(255, 255, 255, 0.75);
}

.cl>p {
    font-size: 1rem;
    color: rgba(255, 255, 255, 0.72);
    line-height: 1.82;
    margin-bottom: 48px;
}

.ci {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 16px 20px;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: var(--r2);
    margin-bottom: 10px;
    transition: all .32s var(--ease);
    position: relative;
    z-index: 1;
}

.ci:hover {
    background: rgba(255, 255, 255, 0.18);
    transform: translateX(5px);
}

.ci-ico {
    width: 42px;
    height: 42px;
    background: rgba(255, 255, 255, 0.15);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1rem;
    flex-shrink: 0;
}

.ci-lbl {
    font-size: .68rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.55);
    margin-bottom: 2px;
}

.ci-val {
    font-size: .93rem;
    font-weight: 600;
    color: var(--white);
}

.cr {
    background: var(--cream);
    padding: 96px 60px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.cr h3 {
    font-family: 'Fraunces', serif;
    font-size: 2.3rem;
    color: var(--ink);
    margin-bottom: 34px;
}

.cr .fl label {
    color: var(--mist);
}

.cr .fl input,
.cr .fl select,
.cr .fl textarea {
    background: var(--sand);
    border: 1.5px solid var(--sand-dkr);
    color: var(--ink);
}

.cr .fl input::placeholder,
.cr .fl textarea::placeholder {
    color: rgba(122, 143, 168, 0.5);
}

.cr .fl input:focus,
.cr .fl select:focus,
.cr .fl textarea:focus {
    border-color: var(--coral);
    background: var(--white);
}

.cr .fl select option {
    background: var(--white);
    color: var(--ink);
}

/* ═══════════════════════════════════════════
   STANDALONE PAGE — Page header for sub-pages
═════════════════════════════════════════════ */
.page-hero {
    padding: 80px 0 80px;
    background: var(--sand);
    position: relative;
    overflow: hidden;
}

.page-hero::before {
    content: '';
    position: absolute;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232, 163, 71, 0.12), transparent 65%);
    top: -150px;
    right: -100px;
    pointer-events: none;
}

.page-hero::after {
    content: '';
    position: absolute;
    width: 280px;
    height: 280px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(45, 122, 122, 0.12), transparent 65%);
    bottom: -80px;
    left: -60px;
    pointer-events: none;
}

.page-hero .wrap {
    position: relative;
    z-index: 1;
}

.page-hero h1 {
    font-size: 4rem;
    color: var(--ink);
    margin-bottom: 18px;
    letter-spacing: -2px;
    line-height: 1.05;
}

.page-hero h1 em {
    color: var(--coral);
    font-style: italic;
}

.page-hero p {
    font-size: 1.1rem;
    color: var(--mist);
    max-width: 580px;
    line-height: 1.8;
}

.breadcrumb {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: .82rem;
    color: var(--mist);
    margin-bottom: 22px;
}

.breadcrumb a {
    color: var(--coral);
    text-decoration: none;
    font-weight: 600;
    transition: color .3s;
}

.breadcrumb a:hover {
    color: var(--slate);
}

.breadcrumb i {
    font-size: .65rem;
    color: var(--sand-dkr);
}

/* Legal/Content page bodies */
.legal-body {
    background: var(--cream);
    padding: 90px 0 110px;
}

.legal-shell {
    max-width: 880px;
    margin: 0 auto;
    background: var(--white);
    border-radius: var(--r5);
    padding: 64px 70px;
    box-shadow: var(--shadow-md);
    position: relative;
    overflow: hidden;
}

.legal-shell::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 5px;
    background: linear-gradient(90deg, var(--coral), var(--slate));
}

.legal-section {
    margin-bottom: 30px;
    padding-bottom: 26px;
    border-bottom: 1px solid var(--sand-dk);
}

.legal-section:last-child {
    border-bottom: none;
    margin-bottom: 0;
    padding-bottom: 0;
}

.legal-section h3 {
    font-family: 'Fraunces', serif;
    font-size: 1.45rem;
    color: var(--ink);
    margin-bottom: 12px;
    letter-spacing: -0.5px;
}

.legal-section p {
    font-size: .98rem;
    color: var(--mist);
    line-height: 1.85;
    margin-bottom: 10px;
}

.legal-section p:last-child {
    margin-bottom: 0;
}

.legal-section strong {
    color: var(--slate);
    font-weight: 700;
}

.legal-meta {
    display: flex;
    gap: 24px;
    margin-bottom: 36px;
    padding: 18px 24px;
    background: var(--sand);
    border-radius: var(--r2);
    flex-wrap: wrap;
}

.legal-meta div {
    font-size: .82rem;
    color: var(--mist);
}

.legal-meta strong {
    display: block;
    color: var(--ink);
    font-size: .75rem;
    text-transform: uppercase;
    letter-spacing: .12em;
    margin-bottom: 4px;
}

/* CTA banner at bottom of pages */
.cta-band {
    background: var(--slate);
    padding: 70px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-band::before {
    content: '';
    position: absolute;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232, 163, 71, 0.12), transparent 65%);
    top: -150px;
    left: 50%;
    transform: translateX(-50%);
}

.cta-band .wrap {
    position: relative;
    z-index: 1;
}

.cta-band h3 {
    font-size: 2.6rem;
    color: var(--sand);
    margin-bottom: 14px;
    letter-spacing: -1px;
}

.cta-band h3 em {
    color: var(--coral-lt);
    font-style: italic;
}

.cta-band p {
    color: rgba(245, 239, 230, 0.6);
    margin-bottom: 30px;
    max-width: 540px;
    margin-left: auto;
    margin-right: auto;
}

.cta-band .btns {
    display: flex;
    gap: 12px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ═══════════════════════════════════════════
   FOOTER
═════════════════════════════════════════════ */
footer {
    background: var(--ink);
    padding: 80px 8% 44px;
    position: relative;
    overflow: hidden;
}

footer::before {
    content: 'FINANCE';
    position: absolute;
    font-family: 'Fraunces', serif;
    font-size: 16vw;
    font-weight: 900;
    color: rgba(255, 255, 255, 0.015);
    bottom: -3%;
    left: 50%;
    transform: translateX(-50%);
    white-space: nowrap;
    pointer-events: none;
    letter-spacing: -6px;
}

footer::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, transparent, var(--coral-lt), var(--coral), var(--coral-lt), transparent);
}

.f-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 56px;
    border-bottom: 1px solid rgba(245, 239, 230, 0.07);
    position: relative;
    z-index: 1;
    margin-bottom: 32px;
}

.f-brand a {
    font-family: 'Fraunces', serif;
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--sand);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 16px;
}

.f-brand p {
    font-size: .9rem;
    color: rgba(245, 239, 230, 0.38);
    line-height: 1.8;
    max-width: 280px;
}

.f-col-h {
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .2em;
    text-transform: uppercase;
    color: var(--mist);
    margin-bottom: 22px;
}

.f-links {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.f-links a {
    font-size: .9rem;
    color: rgba(245, 239, 230, 0.38);
    text-decoration: none;
    transition: color .3s;
}

.f-links a:hover {
    color: var(--coral-lt);
}

.f-base {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: .8rem;
    color: rgba(245, 239, 230, 0.22);
    position: relative;
    z-index: 1;
}

/* ═══════════════════════════════════════════
   MODALS
═════════════════════════════════════════════ */
.modal {
    position: fixed;
    inset: 0;
    background: rgba(22, 32, 46, 0.82);
    backdrop-filter: blur(12px);
    display: none;
    align-items: center;
    justify-content: center;
    z-index: 9999;
    padding: 24px;
}

.modal.on {
    display: flex;
}

.mbox {
    background: var(--white);
    border-radius: var(--r5);
    padding: 56px;
    max-width: 600px;
    width: 100%;
    max-height: 88vh;
    overflow-y: auto;
    box-shadow: var(--shadow-lg);
    position: relative;
    animation: mPop .38s var(--ease) forwards;
    opacity: 0;
    transform: scale(.93) translateY(24px);
}

@keyframes mPop {
    to {
        opacity: 1;
        transform: scale(1) translateY(0);
    }
}

.mbox::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--coral), var(--slate));
    border-radius: var(--r5) var(--r5) 0 0;
}

.mbox h2 {
    font-size: 2.3rem;
    color: var(--ink);
    margin-bottom: 20px;
}

.mcl {
    position: absolute;
    top: 22px;
    right: 26px;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--sand);
    border: 1px solid var(--sand-dkr);
    color: var(--mist);
    font-size: 1rem;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all .3s;
}

.mcl:hover {
    background: var(--coral);
    color: var(--white);
    border-color: var(--coral);
}

.mc p {
    font-size: .93rem;
    color: var(--mist);
    line-height: 1.8;
    margin-bottom: 16px;
}

.mc strong {
    color: var(--ink);
    font-weight: 600;
}

/* ═══════════════════════════════════════════
   RESPONSIVE
═════════════════════════════════════════════ */
@media(max-width:1100px) {
    .hero {
        grid-template-columns: 60px 1fr;
        grid-template-rows: 1fr 300px;
    }

    .hero-accent {
        padding: 160px 16px 40px;
        align-items: center;
    }

    .hero-counter {
        display: none;
    }

    .hero-visual {
        grid-column: 1/3;
        grid-row: 2;
    }

    .hv-float {
        display: none;
    }

    .hero-h1 {
        font-size: 3.6rem;
    }

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

    .acard-hero {
        grid-column: 1/3;
        grid-row: 1;
    }

    .reviews-mosaic {
        grid-template-columns: 1fr 1fr;
    }

    .rc.big {
        grid-column: auto;
        grid-row: auto;
    }

    .nl-grid {
        grid-template-columns: 1fr;
        gap: 50px;
        padding: 80px 6%;
    }

    .contact-wrap {
        grid-template-columns: 1fr;
    }

    .cl {
        padding: 80px 40px;
    }

    .cr {
        padding: 80px 40px;
    }

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

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

    .svc-banner {
        grid-template-columns: 1fr;
    }

    .about-top {
        grid-template-columns: 1fr;
    }

    .about-top-right {
        align-items: flex-start;
    }

    .about-top-right .lead {
        text-align: left;
    }

    .page-hero h1 {
        font-size: 3.2rem;
    }

    .legal-shell {
        padding: 48px 40px;
    }
}

@media(max-width:768px) {
    nav {
        padding: 14px 5%;
    }

    .nav-ul {
        display: none;
    }

    .ham {
        display: block;
    }

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

    .hero-accent {
        display: none;
    }

    .hero-main {
        padding: 120px 5% 60px;
    }

    .hero-h1 {
        font-size: 3rem;
    }

    .hero-visual {
        grid-column: 1;
        grid-row: 2;
        height: 320px;
    }

    .h2 {
        font-size: 2.6rem;
    }

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

    .acard-hero {
        grid-column: 1;
    }

    .acard {
        padding: 32px;
    }

    .reviews-mosaic {
        grid-template-columns: 1fr;
    }

    .nl-grid {
        padding: 64px 5%;
    }

    .nl-form {
        padding: 32px 22px;
    }

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

    .cl,
    .cr {
        padding: 64px 5%;
    }

    .f-grid {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .f-brand a {
        justify-content: center;
    }

    .f-brand p {
        margin: 14px auto 0;
    }

    .f-base {
        flex-direction: column;
        gap: 10px;
        text-align: center;
    }

    .mbox {
        padding: 36px 22px;
    }

    .reviews-head {
        flex-direction: column;
        align-items: flex-start;
    }

    .page-hero {
        padding: 60px 0 50px;
    }

    .page-hero h1 {
        font-size: 2.4rem;
    }

    .legal-shell {
        padding: 36px 22px;
    }

    .legal-section h3 {
        font-size: 1.2rem;
    }

    .cta-band h3 {
        font-size: 2rem;
    }
}