/* ============================================================
   FinoviaHead — Leadership & Growth
   Premium editorial design system
   Palette: Royal Blue / Deep Sapphire / Ice White / Silver Gray / Midnight Navy
   ============================================================ */

:root {
  --royal: #3a63ff;
  --royal-dark: #2a4ee0;
  --sapphire: #10357a;
  --sapphire-deep: #0c2a63;
  --navy: #0a1a3a;
  --navy-900: #071026;
  --ice: #f5f8ff;
  --ice-2: #eef3fd;
  --silver: #9aa6bc;
  --silver-light: #c9d3e6;
  --line: #e4ebf7;
  --ink: #17223b;
  --ink-soft: #4a5670;
  --white: #ffffff;

  --grad-royal: linear-gradient(135deg, #3a63ff 0%, #10357a 100%);
  --grad-deep: linear-gradient(160deg, #10357a 0%, #0a1a3a 100%);
  --grad-ice: linear-gradient(180deg, #ffffff 0%, #f5f8ff 100%);

  --shadow-sm: 0 4px 14px rgba(16, 53, 122, 0.06);
  --shadow-md: 0 14px 40px rgba(16, 53, 122, 0.10);
  --shadow-lg: 0 30px 70px rgba(10, 26, 58, 0.16);

  --radius: 18px;
  --radius-lg: 28px;
  --radius-xl: 40px;

  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  --container: 1200px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

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

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: hidden; max-width: 100%; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.7;
  font-size: 17px;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--navy);
  line-height: 1.12;
  font-weight: 600;
  letter-spacing: -0.01em;
}

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

.section { padding: 100px 0; }
.section-sm { padding: 70px 0; }

/* ---------- Utility ---------- */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--royal);
  margin-bottom: 18px;
}
.eyebrow::before {
  content: "";
  width: 26px; height: 2px;
  background: var(--royal);
  border-radius: 2px;
}
.eyebrow.center { justify-content: center; }

.section-head { max-width: 720px; margin: 0 auto 56px; text-align: center; }
.section-head h2 { font-size: clamp(30px, 4vw, 46px); margin-bottom: 18px; }
.section-head p { color: var(--ink-soft); font-size: 18px; }

.lede { font-size: 20px; color: var(--ink-soft); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 15px 30px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: none;
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), background .3s;
  white-space: nowrap;
}
.btn svg { width: 18px; height: 18px; }
.btn-primary {
  background: var(--grad-royal);
  color: #fff;
  box-shadow: 0 12px 30px rgba(58, 99, 255, 0.32);
}
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 18px 40px rgba(58, 99, 255, 0.42); }
.btn-ghost {
  background: rgba(255,255,255,.08);
  color: #fff;
  border: 1.5px solid rgba(255,255,255,.28);
}
.btn-ghost:hover { background: rgba(255,255,255,.16); transform: translateY(-3px); }
.btn-outline {
  background: transparent;
  color: var(--sapphire);
  border: 1.5px solid var(--silver-light);
}
.btn-outline:hover { border-color: var(--royal); color: var(--royal); transform: translateY(-3px); }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.94);
  backdrop-filter: saturate(180%) blur(18px);
  -webkit-backdrop-filter: saturate(180%) blur(18px);
  border-bottom: 1px solid rgba(228, 235, 247, .9);
  transition: box-shadow .3s, background .3s;
}
.site-header.scrolled { box-shadow: var(--shadow-sm); background: rgba(255,255,255,.98); }
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
}
.brand img { height: 42px; width: auto; }
.nav-links { display: flex; align-items: center; gap: 6px; }
.nav-links a:not(.btn) {
  padding: 10px 16px;
  border-radius: 10px;
  font-weight: 600;
  font-size: 15.5px;
  color: #26324c;
  transition: color .2s, background .2s;
  position: relative;
}
.nav-links a:not(.btn):hover { color: var(--royal); background: var(--ice); }
.nav-links .btn-primary { color: #fff; }
.nav-links a.active { color: var(--royal); font-weight: 600; }
.nav-cta { margin-left: 10px; }
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span {
  width: 26px; height: 2.5px;
  background: var(--navy);
  border-radius: 2px;
  transition: .3s;
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  background: var(--grad-deep);
  color: #fff;
  overflow: hidden;
  padding: 96px 0 110px;
}
.hero::before {
  content: "";
  position: absolute;
  top: -20%; right: -10%;
  width: 640px; height: 640px;
  background: radial-gradient(circle, rgba(58,99,255,.42) 0%, transparent 68%);
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 54px 54px;
  mask-image: radial-gradient(circle at 30% 30%, #000 0%, transparent 75%);
  -webkit-mask-image: radial-gradient(circle at 30% 30%, #000 0%, transparent 75%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 2; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 60px;
  align-items: center;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 16px 8px 8px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.16);
  border-radius: 999px;
  font-size: 13.5px;
  font-weight: 500;
  color: #dbe4ff;
  margin-bottom: 26px;
}
.hero-badge b {
  background: var(--royal);
  color: #fff;
  padding: 4px 12px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .04em;
}
.hero h1 {
  color: #fff;
  font-size: clamp(38px, 5.4vw, 66px);
  line-height: 1.04;
  margin-bottom: 24px;
}
.hero h1 em {
  font-style: italic;
  color: #8fb0ff;
}
.hero-sub {
  font-size: 19px;
  color: #c4d2f2;
  max-width: 520px;
  margin-bottom: 36px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.hero-metrics {
  display: flex;
  gap: 38px;
  margin-top: 54px;
  padding-top: 34px;
  border-top: 1px solid rgba(255,255,255,.14);
}
.hero-metrics .m-num {
  font-family: var(--font-display);
  font-size: 34px;
  font-weight: 600;
  color: #fff;
  line-height: 1;
}
.hero-metrics .m-lab { font-size: 13.5px; color: #a9bce8; margin-top: 6px; }

.hero-visual { position: relative; }
.hero-visual .hero-img {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4/5;
  border: 1px solid rgba(255,255,255,.12);
}
.hero-visual .hero-img img { width: 100%; height: 100%; object-fit: cover; }
.hero-float {
  position: absolute;
  background: rgba(255,255,255,.96);
  border-radius: 16px;
  padding: 16px 18px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 12px;
}
.hero-float.tl { top: 28px; left: -34px; }
.hero-float.br { bottom: 30px; right: -30px; flex-direction: column; align-items: flex-start; gap: 6px; }
.hero-float .fi {
  width: 42px; height: 42px;
  border-radius: 12px;
  background: var(--grad-royal);
  display: grid; place-items: center;
  color: #fff; flex-shrink: 0;
}
.hero-float .fi svg { width: 22px; height: 22px; }
.hero-float .ft { font-family: var(--font-display); font-weight: 600; font-size: 17px; color: var(--navy); }
.hero-float .fl { font-size: 12.5px; color: var(--ink-soft); }
.hero-float .spark { display: flex; align-items: flex-end; gap: 4px; height: 34px; }
.hero-float .spark span { width: 7px; background: var(--grad-royal); border-radius: 3px; }

/* ---------- Marquee / trust strip ---------- */
.trust {
  background: var(--navy-900);
  color: #b9c6e6;
  padding: 22px 0;
}
.trust .row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}
.trust .item { display: flex; align-items: center; gap: 10px; font-size: 14.5px; font-weight: 500; }
.trust .item svg { width: 20px; height: 20px; color: var(--royal); }

/* ============================================================
   WHY / FEATURE CARDS
   ============================================================ */
.cards-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.p-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  transition: transform .4s var(--ease), box-shadow .4s var(--ease), border-color .4s;
  position: relative;
  overflow: hidden;
}
.p-card::after {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: var(--grad-royal);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .4s var(--ease);
}
.p-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); border-color: transparent; }
.p-card:hover::after { transform: scaleX(1); }
.p-icon {
  width: 62px; height: 62px;
  border-radius: 18px;
  background: var(--ice);
  color: var(--royal);
  display: grid; place-items: center;
  margin-bottom: 24px;
  transition: background .4s, color .4s;
}
.p-card:hover .p-icon { background: var(--grad-royal); color: #fff; }
.p-icon svg { width: 30px; height: 30px; }
.p-card h3 { font-size: 22px; margin-bottom: 12px; }
.p-card p { color: var(--ink-soft); font-size: 15.5px; }
.p-num {
  position: absolute;
  top: 24px; right: 28px;
  font-family: var(--font-display);
  font-size: 46px;
  color: var(--ice-2);
  font-weight: 600;
  line-height: 1;
}

/* ============================================================
   SPLIT / IMAGE + TEXT
   ============================================================ */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 70px;
  align-items: center;
}
.split.reverse .split-media { order: 2; }
.split-media {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.split-media img { width: 100%; aspect-ratio: 5/4.4; object-fit: cover; }
.split-media.tall img { aspect-ratio: 4/5; }
.split h2 { font-size: clamp(28px, 3.6vw, 42px); margin-bottom: 20px; }
.split p { color: var(--ink-soft); margin-bottom: 18px; }
.check-list { display: grid; gap: 14px; margin-top: 26px; }
.check-list li { display: flex; gap: 14px; align-items: flex-start; }
.check-list .ci {
  width: 26px; height: 26px;
  border-radius: 8px;
  background: rgba(58,99,255,.12);
  color: var(--royal);
  display: grid; place-items: center;
  flex-shrink: 0;
  margin-top: 2px;
}
.check-list .ci svg { width: 15px; height: 15px; }
.check-list b { color: var(--navy); font-weight: 600; }
.check-list span { color: var(--ink-soft); font-size: 15.5px; }

.media-badge {
  position: absolute;
  left: 22px; bottom: 22px;
  background: rgba(10,26,58,.72);
  backdrop-filter: blur(8px);
  color: #fff;
  padding: 12px 18px;
  border-radius: 14px;
  font-size: 14px;
  display: flex; align-items: center; gap: 10px;
}
.media-badge svg { width: 18px; height: 18px; color: #8fb0ff; }

/* ============================================================
   STATS
   ============================================================ */
.stats-band {
  background: var(--grad-deep);
  color: #fff;
  border-radius: var(--radius-xl);
  padding: 64px 48px;
  position: relative;
  overflow: hidden;
}
.stats-band::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(circle at 85% 20%, rgba(58,99,255,.4), transparent 55%);
}
.stats-grid {
  position: relative;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 34px;
  text-align: center;
}
.stat .s-num {
  font-family: var(--font-display);
  font-size: clamp(38px, 4.5vw, 56px);
  font-weight: 600;
  color: #fff;
  line-height: 1;
  background: linear-gradient(180deg,#fff,#a9bce8);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.stat .s-lab { color: #c4d2f2; font-size: 15px; margin-top: 12px; }
.stat + .stat { position: relative; }

/* ============================================================
   CHART SECTION
   ============================================================ */
.chart-wrap {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 34px;
  box-shadow: var(--shadow-sm);
}
.chart-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 24px;
}
.chart-head h3 { font-size: 21px; }
.chart-head p { font-size: 14px; color: var(--ink-soft); }
.legend { display: flex; gap: 20px; flex-wrap: wrap; }
.legend span { display: flex; align-items: center; gap: 8px; font-size: 13.5px; color: var(--ink-soft); }
.legend i { width: 12px; height: 12px; border-radius: 4px; display: inline-block; }
.chart-svg { width: 100%; height: auto; }
.chart-note {
  margin-top: 18px;
  font-size: 13px;
  color: var(--silver);
  display: flex; align-items: center; gap: 8px;
}
.chart-note svg { width: 15px; height: 15px; }

/* KPI donut mini cards */
.kpi-col { display: grid; gap: 20px; }
.kpi {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
  display: flex; align-items: center; gap: 20px;
  box-shadow: var(--shadow-sm);
}
.kpi .ring { flex-shrink: 0; }
.kpi h4 { font-family: var(--font-body); font-size: 15px; color: var(--navy); font-weight: 600; margin-bottom: 4px; }
.kpi p { font-size: 13.5px; color: var(--ink-soft); }

/* ============================================================
   PILLARS (offset grid)
   ============================================================ */
.pillars {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.pillar {
  display: flex;
  gap: 22px;
  padding: 30px;
  border-radius: var(--radius);
  background: var(--ice);
  border: 1px solid transparent;
  transition: .35s var(--ease);
}
.pillar:hover { background: #fff; border-color: var(--line); box-shadow: var(--shadow-md); transform: translateY(-4px); }
.pillar .pi {
  width: 54px; height: 54px; flex-shrink: 0;
  border-radius: 15px;
  background: #fff;
  color: var(--royal);
  display: grid; place-items: center;
  box-shadow: var(--shadow-sm);
}
.pillar .pi svg { width: 26px; height: 26px; }
.pillar h3 { font-size: 19px; margin-bottom: 8px; }
.pillar p { font-size: 15px; color: var(--ink-soft); }

/* ============================================================
   TIMELINE
   ============================================================ */
.timeline { position: relative; max-width: 860px; margin: 0 auto; }
.timeline::before {
  content: "";
  position: absolute;
  left: 27px; top: 8px; bottom: 8px;
  width: 2px;
  background: linear-gradient(var(--royal), var(--line));
}
.tl-item { position: relative; padding-left: 82px; padding-bottom: 44px; }
.tl-item:last-child { padding-bottom: 0; }
.tl-dot {
  position: absolute;
  left: 0; top: 0;
  width: 56px; height: 56px;
  border-radius: 16px;
  background: var(--grad-royal);
  color: #fff;
  display: grid; place-items: center;
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  box-shadow: 0 8px 22px rgba(58,99,255,.32);
}
.tl-item h3 { font-size: 20px; margin-bottom: 8px; }
.tl-item p { color: var(--ink-soft); font-size: 15.5px; }
.tl-phase { font-size: 12.5px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--royal); margin-bottom: 6px; display: block; }

/* ============================================================
   QUOTE / EDITORIAL
   ============================================================ */
.editorial {
  background: var(--ice);
  border-radius: var(--radius-xl);
  padding: 70px 60px;
  position: relative;
  overflow: hidden;
}
.editorial::before {
  content: "\201C";
  position: absolute;
  top: -30px; left: 30px;
  font-family: var(--font-display);
  font-size: 220px;
  color: rgba(58,99,255,.10);
  line-height: 1;
}
.editorial blockquote {
  position: relative;
  font-family: var(--font-display);
  font-size: clamp(24px, 3.2vw, 36px);
  line-height: 1.3;
  color: var(--navy);
  max-width: 860px;
  margin: 0 auto;
  text-align: center;
}
.editorial .attrib {
  text-align: center;
  margin-top: 28px;
  font-size: 15px;
  color: var(--ink-soft);
}
.editorial .attrib b { color: var(--royal); }

/* ============================================================
   TEAM
   ============================================================ */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.member {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: .4s var(--ease);
}
.member:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); }
.member .m-photo { aspect-ratio: 1/1; overflow: hidden; }
.member .m-photo img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s var(--ease); }
.member:hover .m-photo img { transform: scale(1.06); }
.member .m-body { padding: 26px; }
.member h3 { font-size: 20px; margin-bottom: 4px; }
.member .role { color: var(--royal); font-size: 14px; font-weight: 600; margin-bottom: 12px; }
.member p { font-size: 14.5px; color: var(--ink-soft); }
.member .m-tags { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px; }
.member .m-tags span {
  font-size: 12px;
  padding: 5px 12px;
  border-radius: 999px;
  background: var(--ice);
  color: var(--sapphire);
  font-weight: 500;
}

/* ============================================================
   VALUES
   ============================================================ */
.values-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}
.value {
  padding: 32px;
  border-radius: var(--radius);
  border: 1px solid var(--line);
  background: #fff;
  transition: .35s var(--ease);
}
.value:hover { border-color: var(--royal); box-shadow: var(--shadow-sm); }
.value .v-top { display: flex; align-items: center; gap: 14px; margin-bottom: 12px; }
.value .v-ic {
  width: 46px; height: 46px; border-radius: 13px;
  background: var(--grad-royal); color: #fff;
  display: grid; place-items: center;
}
.value .v-ic svg { width: 22px; height: 22px; }
.value h3 { font-size: 19px; }
.value p { font-size: 15px; color: var(--ink-soft); }

/* ============================================================
   ANALIZE / ARTICLE CARDS
   ============================================================ */
.topic {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 0;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.topic + .topic { margin-top: 40px; }
.topic.flip .t-media { order: 2; }
.t-media { position: relative; min-height: 360px; }
.t-media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.t-media .t-tag {
  position: absolute; top: 20px; left: 20px;
  background: rgba(10,26,58,.78);
  backdrop-filter: blur(6px);
  color: #fff; font-size: 12.5px; font-weight: 600;
  padding: 7px 15px; border-radius: 999px;
  letter-spacing: .04em;
}
.t-body { padding: 46px 44px; }
.t-body h2 { font-size: clamp(24px, 2.6vw, 32px); margin-bottom: 16px; }
.t-body > p { color: var(--ink-soft); margin-bottom: 20px; }
.t-sub { font-family: var(--font-display); font-size: 18px; color: var(--navy); font-weight: 600; margin: 22px 0 10px; }
.t-list { display: grid; gap: 12px; margin: 14px 0; }
.t-list li { display: flex; gap: 12px; font-size: 15.5px; color: var(--ink-soft); }
.t-list .li-ic { color: var(--royal); flex-shrink: 0; margin-top: 3px; }
.t-list .li-ic svg { width: 17px; height: 17px; }
.takeaway {
  margin-top: 24px;
  padding: 20px 24px;
  border-radius: 16px;
  background: var(--ice);
  border-left: 4px solid var(--royal);
}
.takeaway b { color: var(--navy); display: flex; align-items: center; gap: 8px; margin-bottom: 6px; font-family: var(--font-display); font-size: 16px; }
.takeaway b svg { width: 18px; height: 18px; color: var(--royal); }
.takeaway p { font-size: 15px; color: var(--ink-soft); margin: 0; }

.tip-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 16px;
}
.tip {
  padding: 22px;
  border-radius: 16px;
  background: var(--ice);
  border: 1px solid transparent;
  transition: .3s;
}
.tip:hover { background: #fff; border-color: var(--line); box-shadow: var(--shadow-sm); }
.tip .tn { font-family: var(--font-display); font-size: 22px; color: var(--royal); font-weight: 600; }
.tip h4 { font-family: var(--font-body); font-size: 15.5px; margin: 8px 0 6px; color: var(--navy); }
.tip p { font-size: 14px; color: var(--ink-soft); }

/* ============================================================
   CONTACT
   ============================================================ */
.contact-grid {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 50px;
  align-items: start;
}
.contact-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  display: flex;
  gap: 18px;
  align-items: flex-start;
  transition: .3s var(--ease);
}
.contact-card + .contact-card { margin-top: 18px; }
.contact-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.contact-card .cc-ic {
  width: 52px; height: 52px; flex-shrink: 0;
  border-radius: 15px;
  background: var(--grad-royal); color: #fff;
  display: grid; place-items: center;
}
.contact-card .cc-ic svg { width: 24px; height: 24px; }
.contact-card h3 { font-size: 18px; margin-bottom: 4px; }
.contact-card p { font-size: 15px; color: var(--ink-soft); }
.contact-card a.mail { color: var(--royal); font-weight: 600; word-break: break-all; }
.contact-side {
  background: var(--grad-deep);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 40px;
  position: relative;
  overflow: hidden;
}
.contact-side::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 15%, rgba(58,99,255,.4), transparent 55%);
}
.contact-side > * { position: relative; }
.contact-side h3 { color: #fff; font-size: 24px; margin-bottom: 14px; }
.contact-side p { color: #c4d2f2; font-size: 15.5px; margin-bottom: 22px; }
.hours { display: grid; gap: 12px; }
.hours li { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,.12); font-size: 14.5px; }
.hours li span:first-child { color: #c4d2f2; }
.hours li span:last-child { font-weight: 600; }
.social-row { display: flex; gap: 12px; margin-top: 26px; }
.social-row a {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: rgba(255,255,255,.10);
  border: 1px solid rgba(255,255,255,.16);
  display: grid; place-items: center;
  color: #fff;
  transition: .3s;
}
.social-row a:hover { background: var(--royal); transform: translateY(-3px); }
.social-row a svg { width: 20px; height: 20px; }

/* ============================================================
   FAQ
   ============================================================ */
.faq { max-width: 820px; margin: 0 auto; display: grid; gap: 16px; }
.faq-item {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  overflow: hidden;
  transition: box-shadow .3s;
}
.faq-item.open { box-shadow: var(--shadow-sm); }
.faq-q {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 24px 26px;
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.faq-q .fq-ic {
  flex-shrink: 0;
  width: 30px; height: 30px;
  border-radius: 9px;
  background: var(--ice);
  color: var(--royal);
  display: grid; place-items: center;
  transition: .3s;
}
.faq-item.open .fq-ic { background: var(--royal); color: #fff; transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .4s var(--ease); }
.faq-a p { padding: 0 26px 24px; color: var(--ink-soft); font-size: 15.5px; }

/* ============================================================
   PAGE BANNER (subpages)
   ============================================================ */
.page-banner {
  background: var(--grad-deep);
  color: #fff;
  padding: 80px 0 88px;
  position: relative;
  overflow: hidden;
}
.page-banner::before {
  content: ""; position: absolute; top: -30%; right: -8%;
  width: 520px; height: 520px;
  background: radial-gradient(circle, rgba(58,99,255,.38), transparent 68%);
}
.page-banner::after {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 54px 54px;
  mask-image: radial-gradient(circle at 70% 40%, #000, transparent 72%);
  -webkit-mask-image: radial-gradient(circle at 70% 40%, #000, transparent 72%);
}
.page-banner .container { position: relative; z-index: 2; }
.page-banner .crumbs { font-size: 14px; color: #a9bce8; margin-bottom: 16px; }
.page-banner .crumbs a:hover { color: #fff; }
.page-banner h1 { color: #fff; font-size: clamp(34px, 5vw, 56px); max-width: 800px; margin-bottom: 18px; }
.page-banner p { color: #c4d2f2; font-size: 19px; max-width: 640px; }

/* ============================================================
   LEGAL / DOC PAGES
   ============================================================ */
.doc {
  display: grid;
  grid-template-columns: 250px 1fr;
  gap: 54px;
  align-items: start;
}
.doc-toc {
  position: sticky;
  top: 100px;
  background: var(--ice);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
}
.doc-toc h4 { font-family: var(--font-body); font-size: 13px; letter-spacing: .1em; text-transform: uppercase; color: var(--silver); margin-bottom: 14px; }
.doc-toc a { display: block; padding: 8px 12px; border-radius: 9px; font-size: 14px; color: var(--ink-soft); transition: .2s; }
.doc-toc a:hover { background: #fff; color: var(--royal); }
.doc-body { max-width: 780px; }
.doc-body .updated {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 13.5px; color: var(--royal);
  background: rgba(58,99,255,.08);
  padding: 8px 16px; border-radius: 999px;
  margin-bottom: 30px; font-weight: 600;
}
.doc-body h2 {
  font-size: 26px;
  margin: 42px 0 16px;
  padding-top: 10px;
  scroll-margin-top: 100px;
}
.doc-body h2:first-of-type { margin-top: 0; }
.doc-body h3 { font-size: 19px; margin: 26px 0 10px; }
.doc-body p { color: var(--ink-soft); margin-bottom: 16px; }
.doc-body ul { margin: 0 0 18px; display: grid; gap: 10px; }
.doc-body ul li { position: relative; padding-left: 28px; color: var(--ink-soft); }
.doc-body ul li::before {
  content: ""; position: absolute; left: 6px; top: 11px;
  width: 7px; height: 7px; border-radius: 2px;
  background: var(--royal); transform: rotate(45deg);
}
.doc-body strong { color: var(--navy); }
.doc-callout {
  background: var(--ice);
  border-left: 4px solid var(--royal);
  border-radius: 14px;
  padding: 22px 26px;
  margin: 26px 0;
}
.doc-callout p { margin: 0; font-size: 15px; }

/* ============================================================
   DISCLAIMER STRIP
   ============================================================ */
.disclaimer-strip {
  background: var(--ice-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 30px;
  display: flex;
  gap: 18px;
  align-items: flex-start;
}
.disclaimer-strip .ds-ic {
  width: 46px; height: 46px; flex-shrink: 0;
  border-radius: 13px;
  background: #fff; color: var(--royal);
  display: grid; place-items: center;
  box-shadow: var(--shadow-sm);
}
.disclaimer-strip .ds-ic svg { width: 24px; height: 24px; }
.disclaimer-strip h4 { font-family: var(--font-body); font-size: 15px; color: var(--navy); margin-bottom: 4px; font-weight: 700; }
.disclaimer-strip p { font-size: 14px; color: var(--ink-soft); margin: 0; }

/* ============================================================
   CTA BAND
   ============================================================ */
.cta-band {
  background: var(--grad-royal);
  border-radius: var(--radius-xl);
  padding: 64px 56px;
  text-align: center;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(circle at 20% 20%, rgba(255,255,255,.16), transparent 40%),
                    radial-gradient(circle at 85% 80%, rgba(255,255,255,.12), transparent 45%);
}
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; font-size: clamp(28px, 3.6vw, 44px); margin-bottom: 16px; }
.cta-band p { color: rgba(255,255,255,.9); font-size: 18px; max-width: 560px; margin: 0 auto 30px; }
.cta-band .btn-primary { background: #fff; color: var(--sapphire); box-shadow: 0 12px 30px rgba(0,0,0,.16); }
.cta-band .btn-primary:hover { box-shadow: 0 18px 40px rgba(0,0,0,.24); }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--navy-900);
  color: #a9b6d4;
  padding: 74px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 50px;
}
.footer-brand img { height: 44px; width: auto; margin-bottom: 20px; }
.footer-brand p { font-size: 15px; color: #8493b8; max-width: 320px; margin-bottom: 22px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 40px; height: 40px; border-radius: 11px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.10);
  display: grid; place-items: center; color: #c4d2f2;
  transition: .3s;
}
.footer-social a:hover { background: var(--royal); color: #fff; transform: translateY(-3px); }
.footer-social a svg { width: 19px; height: 19px; }
.footer-col h4 { font-family: var(--font-body); color: #fff; font-size: 15px; margin-bottom: 18px; font-weight: 600; }
.footer-col a, .footer-col li { display: block; font-size: 14.5px; color: #8493b8; padding: 6px 0; transition: color .2s; }
.footer-col a:hover { color: #fff; }
.footer-col .mail { color: var(--royal); font-weight: 600; word-break: break-all; }
.footer-disclaimer {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 26px 0;
  font-size: 13px;
  color: #6d7ca3;
  line-height: 1.7;
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 22px 0 30px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 14px;
  font-size: 13.5px;
  color: #6d7ca3;
}
.footer-bottom .fb-links { display: flex; gap: 22px; flex-wrap: wrap; }
.footer-bottom .fb-links a:hover { color: #fff; }

/* ============================================================
   COOKIE BANNER
   ============================================================ */
.cookie {
  position: fixed;
  left: 24px; right: 24px; bottom: 24px;
  z-index: 200;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 26px 30px;
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 24px;
  align-items: center;
  max-width: 1100px;
  margin: 0 auto;
  transform: translateY(160%);
  transition: transform .5s var(--ease);
}
.cookie.show { transform: translateY(0); }
.cookie .ck-ic {
  width: 52px; height: 52px;
  border-radius: 15px;
  background: var(--grad-royal); color: #fff;
  display: grid; place-items: center;
}
.cookie .ck-ic svg { width: 26px; height: 26px; }
.cookie h4 { font-family: var(--font-body); font-size: 16px; color: var(--navy); margin-bottom: 4px; font-weight: 700; }
.cookie p { font-size: 14px; color: var(--ink-soft); margin: 0; }
.cookie p a { color: var(--royal); font-weight: 600; text-decoration: underline; }
.cookie .ck-actions { display: flex; gap: 10px; flex-shrink: 0; }
.cookie .btn { padding: 12px 22px; font-size: 14px; }
.ck-decline {
  background: var(--ice); color: var(--sapphire); border: 1px solid var(--line);
}
.ck-decline:hover { background: var(--ice-2); }

/* ============================================================
   REVEAL ANIMATION
   ============================================================ */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.reveal.d1 { transition-delay: .08s; }
.reveal.d2 { transition-delay: .16s; }
.reveal.d3 { transition-delay: .24s; }

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero-visual { max-width: 460px; margin: 0 auto; }
  .hero-float.tl { left: 0; }
  .hero-float.br { right: 0; }
  .split { gap: 44px; }
  .doc { grid-template-columns: 1fr; }
  .doc-toc { position: static; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 40px 30px; }
}

@media (max-width: 900px) {
  .nav-links {
    position: fixed;
    top: 78px; left: 0; right: 0;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    padding: 20px 24px 30px;
    gap: 4px;
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-md);
    transform: translateY(-140%);
    transition: transform .4s var(--ease);
    max-height: calc(100vh - 78px);
    overflow-y: auto;
  }
  .nav-links.open { transform: translateY(0); }
  .nav-links a { padding: 14px 16px; font-size: 16px; }
  .nav-cta { margin: 8px 0 0; }
  .nav-cta .btn { width: 100%; justify-content: center; }
  .nav-toggle { display: flex; }
  .cards-3, .team-grid, .tip-grid { grid-template-columns: 1fr; }
  .pillars, .values-grid { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; }
  .split.reverse .split-media { order: 0; }
  .topic { grid-template-columns: 1fr; }
  .topic.flip .t-media { order: 0; }
  .t-media { min-height: 260px; }
  .contact-grid { grid-template-columns: 1fr; gap: 34px; }
  .chart-cols { grid-template-columns: 1fr !important; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 34px; }
  .section { padding: 72px 0; }
  .editorial { padding: 50px 30px; }
  .stats-band, .cta-band { padding: 48px 28px; }
}

@media (max-width: 620px) {
  body { font-size: 16px; }
  .container { padding-inline: 18px; }
  .hero { padding: 60px 0 72px; }
  .hero-metrics { gap: 24px; flex-wrap: wrap; }
  .hero-float { display: none; }
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 30px 20px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .t-body { padding: 32px 26px; }
  .editorial { padding: 40px 22px; }
  .stats-band, .cta-band { padding: 40px 22px; border-radius: var(--radius-lg); }
  .cookie {
    grid-template-columns: 1fr;
    gap: 16px; padding: 22px;
    left: 12px; right: 12px; bottom: 12px;
    text-align: left;
  }
  .cookie .ck-ic { display: none; }
  .cookie .ck-actions { flex-direction: column; }
  .cookie .btn { width: 100%; justify-content: center; }
  .trust .row { justify-content: center; }
  .value[style] { padding: 26px !important; }
  .contact-side { padding: 30px 22px; }
}