/* ============================================================
   INERTIA: EQUITIES FOR WEALTH — Design System & Global Styles
   ============================================================ */

/* ── Google Fonts ── */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,500;0,600;0,700;0,800;1,400;1,600&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;1,9..40,400&family=JetBrains+Mono:wght@400;500;600;700&display=swap');

/* ── Design Tokens ── */
:root {
  /* Primary Palette */
  --ink:     #1A1F2E;
  --gold:    #C8963E;
  --gold-accessible: #8A5F24;
  --cream:   #F7F4EE;
  --white:   #FFFFFF;

  /* Secondary Palette */
  --slate:   #3D4A6B;
  --mist:    #E8EBF2;
  --success: #1F7A5C;
  --warning: #B45309;
  --danger:  #9B2335;

  /* Typography */
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'DM Sans', system-ui, sans-serif;
  --font-mono:    'JetBrains Mono', 'Courier New', monospace;

  /* Spacing Scale */
  --space-1:  4px;
  --space-2:  8px;
  --space-3:  12px;
  --space-4:  16px;
  --space-5:  20px;
  --space-6:  24px;
  --space-8:  32px;
  --space-10: 40px;
  --space-12: 48px;
  --space-16: 64px;
  --space-20: 80px;
  --space-24: 96px;
  --space-32: 128px;

  /* Border Radius */
  --radius-sm: 2px;
  --radius:    4px;
  --radius-lg: 8px;

  /* Shadows */
  --shadow-card: 0 2px 12px rgba(26, 31, 46, 0.08);
  --shadow-card-hover: 0 8px 32px rgba(26, 31, 46, 0.14);
  --shadow-elevated: 0 4px 24px rgba(26, 31, 46, 0.12);

  /* Transitions */
  --transition-fast: 150ms ease;
  --transition:      250ms ease;
  --transition-slow: 400ms ease;

  /* Container */
  --container-max: 1200px;
  --container-narrow: 740px;
  --container-pad: clamp(20px, 5vw, 80px);
}

/* ── CSS Reset ── */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 400;
  line-height: 1.7;
  color: var(--slate);
  background-color: var(--cream);
  overflow-x: hidden;
}

img, video {
  max-width: 100%;
  height: auto;
  display: block;
}

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

ul, ol {
  list-style: none;
}

button {
  font-family: var(--font-body);
  cursor: pointer;
  border: none;
  background: none;
}

input, textarea, select {
  font-family: var(--font-body);
}

/* ── Layout ── */
.container {
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--container-pad);
}

.container--narrow {
  max-width: var(--container-narrow);
  margin-inline: auto;
  padding-inline: var(--container-pad);
}

/* ── Typography Scale ── */
.display-headline {
  font-family: var(--font-display);
  font-size: clamp(42px, 5.5vw, 72px);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--ink);
}

.section-headline {
  font-family: var(--font-display);
  font-size: clamp(30px, 3.5vw, 44px);
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -0.015em;
  color: var(--ink);
}

.sub-headline {
  font-family: var(--font-body);
  font-size: clamp(18px, 2vw, 24px);
  font-weight: 500;
  line-height: 1.5;
  color: var(--slate);
}

.body-large {
  font-size: 18px;
  font-weight: 400;
  line-height: 1.75;
  color: var(--slate);
}

.body-text {
  font-size: 16px;
  font-weight: 400;
  line-height: 1.7;
  color: var(--slate);
}

.caption {
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--slate);
}

.stat-number {
  font-family: var(--font-mono);
  font-size: clamp(40px, 5vw, 64px);
  font-weight: 700;
  color: var(--ink);
  line-height: 1;
}

.mono-label {
  font-family: var(--font-mono);
  font-size: 13px;
  font-weight: 500;
  color: var(--gold-accessible);
}

/* ── Section Backgrounds ── */
.bg-cream  { background-color: var(--cream); }
.bg-white  { background-color: var(--white); }
.bg-ink    { background-color: var(--ink); }
.bg-mist   { background-color: var(--mist); }

/* ── Section Spacing ── */
.section {
  padding-block: clamp(60px, 8vw, 120px);
  position: relative;
  overflow: hidden;
}

.section--sm {
  padding-block: clamp(40px, 5vw, 72px);
}

/* ── Ghost Section Number ── */
.section__ghost-num {
  font-family: var(--font-display);
  font-size: clamp(120px, 16vw, 220px);
  font-weight: 700;
  line-height: 1;
  color: var(--ink);
  opacity: 0.03;
  position: absolute;
  top: 20px;
  right: -10px;
  pointer-events: none;
  user-select: none;
  z-index: 0;
}

.bg-ink .section__ghost-num {
  color: var(--white);
  opacity: 0.04;
}

.section__content {
  position: relative;
  z-index: 1;
}

/* ── Gold Rule ── */
.gold-rule {
  display: block;
  width: 56px;
  height: 2px;
  background-color: var(--gold);
  margin-bottom: var(--space-6);
}

.gold-rule--center {
  margin-inline: auto;
  margin-bottom: var(--space-6);
}

.gold-rule--sm {
  width: 32px;
}

/* ── Section Label ── */
.section-label {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-accessible);
  margin-bottom: var(--space-5);
}

.section-label::before {
  content: '';
  display: block;
  width: 32px;
  height: 1px;
  background: var(--gold);
  flex-shrink: 0;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 500;
  padding: 14px 32px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
  text-decoration: none;
  letter-spacing: 0.01em;
}

.btn--primary {
  background-color: var(--gold);
  color: var(--ink);
  border-color: var(--gold);
}
.btn--primary:hover {
  background-color: #b07e30;
  border-color: #b07e30;
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(200, 150, 62, 0.35);
}

.btn--ghost {
  background-color: transparent;
  color: var(--ink);
  border-color: var(--ink);
}
.btn--ghost:hover {
  background-color: var(--ink);
  color: var(--cream);
  transform: translateY(-1px);
}

.btn--ghost-light {
  background-color: transparent;
  color: var(--cream);
  border-color: rgba(247, 244, 238, 0.4);
}
.btn--ghost-light:hover {
  background-color: rgba(247, 244, 238, 0.1);
  border-color: var(--cream);
}

.btn--sm {
  font-size: 14px;
  padding: 10px 22px;
}

.btn--lg {
  font-size: 16px;
  padding: 16px 40px;
}

/* Text links */
.text-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--gold-accessible);
  font-size: 15px;
  font-weight: 500;
  border-bottom: 1px solid rgba(138, 95, 36, 0.3);
  padding-bottom: 1px;
  transition: all var(--transition-fast);
}
.text-link:hover {
  border-bottom-color: var(--gold);
  gap: 10px;
}

.text-link--light {
  color: var(--cream);
  border-bottom-color: rgba(247, 244, 238, 0.3);
}
.text-link--light:hover {
  border-bottom-color: var(--cream);
}

/* ── Grid System ── */
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-8);
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}

/* ── Cards ── */
.card {
  background-color: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
  padding: var(--space-8);
  transition: all var(--transition);
}

.card:hover {
  box-shadow: var(--shadow-card-hover);
  transform: translateY(-2px);
}

.card--cream {
  background-color: var(--cream);
  box-shadow: none;
  border: 1px solid rgba(200, 150, 62, 0.1);
}

.card--accent {
  border-left: 3px solid var(--gold);
}

.card--pain {
  background-color: var(--white);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: var(--space-6) var(--space-8);
  box-shadow: var(--shadow-card);
}

.card--service {
  background-color: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
  padding: var(--space-10) var(--space-8);
  transition: all var(--transition);
  border: 1px solid transparent;
}

.card--service:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
}

.card--principle {
  background-color: var(--cream);
  border-radius: var(--radius);
  padding: var(--space-10) var(--space-8);
  border-bottom: 2px solid var(--gold);
  height: 100%;
}

/* ── Section Header ── */
.section-header {
  margin-bottom: clamp(40px, 5vw, 64px);
}

.section-header--center {
  text-align: center;
  max-width: 600px;
  margin-inline: auto;
  margin-bottom: clamp(40px, 5vw, 64px);
}

/* ── Trust Badges ── */
.trust-badges {
  display: flex;
  align-items: center;
  gap: var(--space-8);
  flex-wrap: wrap;
  margin-top: var(--space-8);
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding-left: var(--space-4);
  border-left: 2px solid var(--gold);
}

.trust-badge__icon {
  color: var(--gold);
  flex-shrink: 0;
}

.trust-badge__text {
  font-size: 13px;
  font-weight: 500;
  color: var(--mist);
  letter-spacing: 0.02em;
}

/* ── Stats Grid ── */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
}

.stat-block {
  text-align: center;
  padding: var(--space-12) var(--space-8);
  position: relative;
}

.stat-block + .stat-block::before {
  content: '';
  position: absolute;
  left: 0;
  top: 20%;
  height: 60%;
  width: 1px;
  background: var(--gold);
  opacity: 0.4;
}

.stat-block__number {
  font-family: var(--font-mono);
  font-size: clamp(40px, 5vw, 64px);
  font-weight: 700;
  color: var(--ink);
  line-height: 1;
  display: block;
  margin-bottom: var(--space-4);
}

.stat-block__label {
  font-size: 14px;
  font-weight: 400;
  color: var(--slate);
  line-height: 1.4;
  max-width: 160px;
  margin-inline: auto;
}

/* ── Steps Timeline ── */
.steps-track {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0;
  position: relative;
  margin-top: var(--space-12);
}

.steps-track::before {
  content: '';
  position: absolute;
  top: 28px;
  left: 10%;
  right: 10%;
  height: 1px;
  border-top: 2px dashed rgba(200, 150, 62, 0.4);
  z-index: 0;
}

.step-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 var(--space-3);
  position: relative;
  z-index: 1;
}

.step-item__num {
  font-family: var(--font-mono);
  font-size: 13px;
  font-weight: 700;
  color: var(--gold);
  background-color: var(--cream);
  border: 2px solid var(--gold);
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-5);
  flex-shrink: 0;
}

.step-item__title {
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: var(--space-2);
  line-height: 1.4;
}

.step-item__desc {
  font-size: 13px;
  color: var(--slate);
  line-height: 1.6;
}

/* ── Comparison Table ── */
.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
  margin-top: var(--space-6);
}

.compare-table th {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: var(--space-4) var(--space-5);
  text-align: left;
  background-color: rgba(61, 74, 107, 0.7);
  color: var(--mist);
}

.compare-table th:first-child {
  border-radius: var(--radius) 0 0 0;
}
.compare-table th:last-child {
  border-radius: 0 var(--radius) 0 0;
}

.compare-table td {
  padding: var(--space-4) var(--space-5);
  color: var(--mist);
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  vertical-align: middle;
  line-height: 1.5;
}

.compare-table tr:nth-child(even) td {
  background-color: rgba(255, 255, 255, 0.04);
}

.compare-table .col-inertia {
  color: var(--gold);
  font-weight: 500;
}

.compare-table .col-attr {
  font-weight: 500;
  color: rgba(232, 235, 242, 0.7);
  font-size: 13px;
}

/* ── Regulatory Key Facts Panel ── */
.key-facts {
  background-color: var(--mist);
  border-radius: var(--radius);
  padding: var(--space-8);
  border-left: 3px solid var(--gold);
}

.key-fact-row {
  display: flex;
  gap: var(--space-4);
  padding: var(--space-3) 0;
  border-bottom: 1px solid rgba(61, 74, 107, 0.1);
  font-size: 14px;
}

.key-fact-row:last-child {
  border-bottom: none;
}

.key-fact-row__label {
  font-weight: 600;
  color: var(--ink);
  min-width: 150px;
  flex-shrink: 0;
}

.key-fact-row__value {
  color: var(--slate);
  font-family: var(--font-mono);
  font-size: 13px;
}

/* ── Value Cards ── */
.value-card {
  text-align: center;
  padding: var(--space-8) var(--space-6);
}

.value-card__icon {
  color: var(--gold);
  margin-bottom: var(--space-5);
}

.value-card__title {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: var(--space-3);
}

.value-card__desc {
  font-size: 14px;
  color: var(--slate);
  line-height: 1.6;
}

/* ── Team Card ── */
.team-card {
  display: flex;
  gap: var(--space-10);
  align-items: flex-start;
  padding: var(--space-10) 0;
  border-bottom: 1px solid var(--mist);
}

.team-card:last-child {
  border-bottom: none;
}

.team-card--reverse {
  flex-direction: row-reverse;
}

.team-card__photo-wrap {
  flex-shrink: 0;
  width: 220px;
  height: 260px;
  border-radius: var(--radius);
  overflow: hidden;
  position: relative;
}

.team-card__photo-placeholder {
  width: 100%;
  height: 100%;
  background: linear-gradient(145deg, var(--slate) 0%, var(--ink) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
}

.team-card__photo-placeholder span {
  font-family: var(--font-display);
  font-size: 80px;
  font-weight: 700;
  color: rgba(200, 150, 62, 0.4);
}

.team-card__content {
  flex: 1;
}

.team-card__name {
  font-family: var(--font-display);
  font-size: clamp(22px, 3vw, 30px);
  font-weight: 700;
  color: var(--ink);
  margin-bottom: var(--space-3);
}

.team-card__credentials {
  display: flex;
  gap: var(--space-3);
  flex-wrap: wrap;
  margin-bottom: var(--space-5);
}

.credential-badge {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold-accessible);
  background-color: rgba(200, 150, 62, 0.1);
  padding: 4px 12px;
  border-radius: 2px;
  border: 1px solid rgba(200, 150, 62, 0.25);
}

.team-card__bio {
  font-size: 15px;
  line-height: 1.75;
  color: var(--slate);
  margin-bottom: var(--space-6);
}

/* Small team cards (homepage snapshot) */
.team-snapshot-card {
  background-color: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
  padding: var(--space-8);
  text-align: center;
}

.team-snapshot-card__photo {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  border: 3px solid var(--gold);
  overflow: hidden;
  margin: 0 auto var(--space-5);
  background: linear-gradient(145deg, var(--slate) 0%, var(--ink) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
}

.team-snapshot-card__photo span {
  font-family: var(--font-display);
  font-size: 48px;
  font-weight: 700;
  color: rgba(200, 150, 62, 0.5);
}

.team-snapshot-card__name {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: var(--space-2);
}

.team-snapshot-card__creds {
  font-size: 13px;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 0.04em;
  margin-bottom: var(--space-5);
}

.team-snapshot-card__bio {
  font-size: 14px;
  line-height: 1.7;
  color: var(--slate);
  margin-bottom: var(--space-5);
}

/* ── Blog Post Cards ── */
.post-card {
  background-color: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  transition: all var(--transition);
}

.post-card:hover {
  box-shadow: var(--shadow-card-hover);
  transform: translateY(-3px);
}

.post-card__img {
  aspect-ratio: 16/9;
  background: linear-gradient(145deg, var(--mist) 0%, var(--slate) 100%);
  position: relative;
  overflow: hidden;
}

.post-card__img-placeholder {
  width: 100%;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0.2;
}

.post-card__body {
  padding: var(--space-6) var(--space-6) var(--space-8);
}

.post-card__cat {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-accessible);
  margin-bottom: var(--space-3);
}

.post-card__title {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 600;
  color: var(--ink);
  line-height: 1.35;
  margin-bottom: var(--space-3);
}

.post-card__excerpt {
  font-size: 14px;
  line-height: 1.65;
  color: var(--slate);
  margin-bottom: var(--space-5);
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.post-card__meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 12px;
  color: var(--slate);
  opacity: 0.7;
  border-top: 1px solid var(--mist);
  padding-top: var(--space-4);
  margin-top: var(--space-4);
}

.post-card--featured {
  display: grid;
  grid-template-columns: 1fr 1fr;
}

.post-card--featured .post-card__img {
  aspect-ratio: auto;
  min-height: 280px;
}

.post-card--featured .post-card__title {
  font-size: clamp(20px, 2.5vw, 28px);
}

.post-card--featured .post-card__excerpt {
  -webkit-line-clamp: 3;
}

/* ── Contact Form ── */
.contact-form {
  background-color: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
  padding: var(--space-10);
}

.form-group {
  margin-bottom: var(--space-6);
}

.form-label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ink);
  margin-bottom: var(--space-2);
}

.form-label span.required {
  color: var(--danger);
  margin-left: 2px;
}

.form-input,
.form-select,
.form-textarea {
  display: block;
  width: 100%;
  padding: 12px 16px;
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--ink);
  background-color: var(--white);
  border: 1.5px solid var(--mist);
  border-radius: var(--radius);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  outline: none;
  appearance: none;
}

.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(200, 150, 62, 0.12);
}

.form-textarea {
  resize: vertical;
  min-height: 140px;
}

.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  cursor: pointer;
}

.form-checkbox input[type="checkbox"] {
  width: 18px;
  height: 18px;
  border: 1.5px solid var(--mist);
  border-radius: 2px;
  flex-shrink: 0;
  margin-top: 3px;
  accent-color: var(--gold);
  cursor: pointer;
}

.form-checkbox__label {
  font-size: 14px;
  color: var(--slate);
  line-height: 1.6;
}

.form-disclaimer {
  font-size: 12px;
  color: var(--slate);
  opacity: 0.8;
  line-height: 1.6;
  margin-top: var(--space-5);
  padding: var(--space-4);
  background: var(--mist);
  border-radius: var(--radius-sm);
}

/* ── Contact Info Panel ── */
.contact-info {
  padding: var(--space-6) 0;
}

.contact-item {
  display: flex;
  gap: var(--space-4);
  align-items: flex-start;
  margin-bottom: var(--space-6);
}

.contact-item__icon {
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 2px;
}

.contact-item__content {
  flex: 1;
}

.contact-item__label {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--slate);
  opacity: 0.7;
  margin-bottom: 4px;
}

.contact-item__value {
  font-size: 15px;
  color: var(--ink);
  font-weight: 500;
  line-height: 1.5;
}

/* ── Calendly Placeholder ── */
.calendly-widget {
  background: var(--mist);
  border-radius: var(--radius);
  padding: var(--space-8);
  text-align: center;
  border: 1px solid rgba(200, 150, 62, 0.15);
}

.calendly-widget__title {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: var(--space-3);
}

.calendly-widget__sub {
  font-size: 14px;
  color: var(--slate);
  margin-bottom: var(--space-6);
  line-height: 1.6;
}

/* ── Regulatory Sections ── */
.reg-section {
  padding: var(--space-8) 0;
  border-bottom: 1px solid var(--mist);
}

.reg-section:last-child {
  border-bottom: none;
}

.reg-section__title {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: var(--space-4);
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.reg-section__subtitle {
  font-size: 15px;
  color: var(--slate);
  line-height: 1.7;
  margin-bottom: var(--space-5);
}

.reg-anchor-nav {
  position: sticky;
  top: 90px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
  padding: var(--space-6);
}

.reg-anchor-nav__title {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--slate);
  margin-bottom: var(--space-4);
  border-bottom: 1px solid var(--mist);
  padding-bottom: var(--space-4);
}

.reg-anchor-nav__list {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}

.reg-anchor-nav__link {
  font-size: 14px;
  color: var(--slate);
  padding: var(--space-2) var(--space-3);
  border-radius: var(--radius-sm);
  transition: all var(--transition-fast);
  border-left: 2px solid transparent;
  display: block;
}

.reg-anchor-nav__link:hover,
.reg-anchor-nav__link.active {
  color: var(--gold);
  background: rgba(200, 150, 62, 0.06);
  border-left-color: var(--gold);
}

/* ── PDF Link ── */
.pdf-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: 14px;
  font-weight: 500;
  color: var(--ink);
  padding: 10px 20px;
  background: var(--mist);
  border-radius: var(--radius);
  border: 1px solid rgba(61, 74, 107, 0.15);
  transition: all var(--transition-fast);
}

.pdf-link:hover {
  background: rgba(200, 150, 62, 0.1);
  border-color: var(--gold);
  color: var(--gold);
}

/* ── Inline Table (Regulatory) ── */
.inline-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
  margin-top: var(--space-5);
  border-radius: var(--radius);
  overflow: hidden;
}

.inline-table th {
  background: var(--mist);
  color: var(--ink);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: var(--space-4) var(--space-5);
  text-align: left;
}

.inline-table td {
  padding: var(--space-4) var(--space-5);
  color: var(--slate);
  border-bottom: 1px solid var(--mist);
}

.inline-table tr:last-child td {
  border-bottom: none;
}

.inline-table tr:nth-child(even) {
  background: rgba(232, 235, 242, 0.3);
}

/* ── Process Steps (Services page, expanded) ── */
.process-step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: var(--space-6);
  padding: var(--space-8) 0;
  border-bottom: 1px solid var(--mist);
  position: relative;
}

.process-step:last-child {
  border-bottom: none;
}

.process-step__num-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-3);
}

.process-step__num {
  font-family: var(--font-mono);
  font-size: 14px;
  font-weight: 700;
  color: var(--gold);
  background: rgba(200, 150, 62, 0.1);
  border: 2px solid rgba(200, 150, 62, 0.4);
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.process-step__connector {
  flex: 1;
  width: 1px;
  background: rgba(200, 150, 62, 0.25);
  min-height: 40px;
}

.process-step:last-child .process-step__connector {
  display: none;
}

.process-step__title {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: var(--space-3);
}

.process-step__body {
  font-size: 15px;
  color: var(--slate);
  line-height: 1.75;
}

/* ── Timeline ── */
.timeline {
  position: relative;
  padding-left: var(--space-12);
}

.timeline::before {
  content: '';
  position: absolute;
  left: 20px;
  top: 8px;
  bottom: 8px;
  width: 2px;
  background: var(--gold);
  opacity: 0.35;
}

.timeline-item {
  position: relative;
  padding-bottom: var(--space-10);
}

.timeline-item:last-child {
  padding-bottom: 0;
}

.timeline-item::before {
  content: '';
  position: absolute;
  left: calc(-1 * var(--space-12) + 14px);
  top: 6px;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--gold);
  border: 3px solid var(--white);
  box-shadow: 0 0 0 2px var(--gold);
}

.timeline-item__year {
  font-family: var(--font-mono);
  font-size: 13px;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.08em;
  margin-bottom: var(--space-2);
}

.timeline-item__title {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: var(--space-2);
}

.timeline-item__body {
  font-size: 15px;
  color: var(--slate);
  line-height: 1.7;
}

/* ── Newsletter Strip ── */
.newsletter-strip {
  background: var(--white);
  border-radius: var(--radius);
  padding: var(--space-10);
  border: 1px solid rgba(200, 150, 62, 0.2);
  display: flex;
  align-items: center;
  gap: var(--space-10);
  margin-block: var(--space-12);
}

.newsletter-strip__content {
  flex: 1;
}

.newsletter-strip__title {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: var(--space-2);
}

.newsletter-strip__sub {
  font-size: 15px;
  color: var(--slate);
}

.newsletter-strip__form {
  display: flex;
  gap: var(--space-3);
  flex-shrink: 0;
}

.newsletter-strip__input {
  padding: 12px 18px;
  border: 1.5px solid var(--mist);
  border-radius: var(--radius);
  font-size: 15px;
  font-family: var(--font-body);
  color: var(--ink);
  width: 260px;
  outline: none;
  transition: border-color var(--transition-fast);
}

.newsletter-strip__input:focus {
  border-color: var(--gold);
}

/* ── Site Header ── */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding-block: 20px;
  transition: all var(--transition-slow);
  background: #fff;
  box-shadow: 0 2px 24px rgba(26, 31, 46, 0.08);
}

.site-header.transparent {
  background: #fff;
}

.site-header.scrolled,
.site-header.solid {
  background: #fff;
  padding-block: 14px;
  box-shadow: 0 2px 24px rgba(26, 31, 46, 0.1);
}

.header-inner {
  display: flex;
  align-items: center;
  gap: var(--space-8);
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--container-pad);
}

.header-logo {
  flex: 0 0 auto;
  flex-shrink: 0;
  max-width: min(260px, 58vw);
  text-decoration: none;
  display: flex;
  align-items: center;
  /* Do not use min-width:0 here — it lets the flex item collapse to 0 before the img lays out;
     then max-width:100% on the img becomes 0px and the logo disappears. */
  line-height: 0;
}

/* ~1041×295 JPEG → ~141px wide at 40px tall. Avoid max-width:100% (breaks when parent width is 0). */
.header-logo__img {
  height: 40px;
  width: auto;
  max-width: min(241px, 72vw);
  max-height: 40px;
  object-fit: contain;
  object-position: left center;
  display: block;
}

.footer-logo img,
.footer-col__logo img,
.mobile-nav__logo img {
  height: 36px;
  width: auto;
  max-width: min(220px, 55vw);
  max-height: 36px;
  object-fit: contain;
  object-position: left center;
  display: block;
}

/* When header is transparent and over light bg */
.site-header.light .header-logo__wordmark {
  color: var(--ink);
}

.site-header.light .header-logo__tag {
  color: rgba(26, 31, 46, 0.5);
}

.header-nav {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-1);
}

.header-nav__link {
  font-size: 14px;
  font-weight: 500;
  color: var(--slate);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: color var(--transition-fast);
  letter-spacing: 0.02em;
}

.header-nav__link:hover,
.header-nav__link.active {
  color: var(--ink);
}

/* When over light bg (transparent on light sections) */
.site-header.light .header-nav__link {
  color: var(--slate);
}
.site-header.light .header-nav__link:hover,
.site-header.light .header-nav__link.active {
  color: var(--ink);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  flex-shrink: 0;
}

.header-actions .btn {
  padding: 9px 20px;
  font-size: 13.5px;
}

.header-actions .btn--ghost-light {
  color: var(--ink);
  border-color: var(--ink);
}

.header-actions .btn--ghost-light:hover {
  background-color: var(--ink);
  color: #fff;
  border-color: var(--ink);
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  margin-left: auto;
}

.hamburger__line {
  display: block;
  width: 24px;
  height: 2px;
  background-color: var(--ink);
  transition: all var(--transition-fast);
  border-radius: 1px;
}

/* Mobile nav overlay */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  background: var(--ink);
  z-index: 999;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--space-6);
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition);
}

.mobile-nav.open {
  display: flex;
  opacity: 1;
  pointer-events: auto;
}

.mobile-nav__link {
  font-family: var(--font-display);
  font-size: clamp(28px, 5vw, 40px);
  font-weight: 600;
  color: var(--cream);
  text-align: center;
  transition: color var(--transition-fast);
}

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

.mobile-nav__close {
  position: absolute;
  top: 24px;
  right: 24px;
  color: var(--cream);
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.mobile-nav__actions {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  margin-top: var(--space-8);
  width: 100%;
  max-width: 280px;
}

/* ── Site Footer ── */
.site-footer {
  background-color: var(--ink);
  padding-top: clamp(48px, 6vw, 80px);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1.2fr;
  gap: var(--space-12);
  padding-bottom: clamp(40px, 5vw, 64px);
}

.footer-col__logo {
  margin-bottom: var(--space-5);
}

.footer-col__tagline {
  font-size: 14px;
  line-height: 1.7;
  color: rgba(232, 235, 242, 0.55);
  margin-bottom: var(--space-6);
  max-width: 280px;
}

.footer-social {
  display: flex;
  gap: var(--space-3);
}

.footer-social__link {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 1px solid rgba(247, 244, 238, 0.15);
  color: rgba(247, 244, 238, 0.6);
  transition: all var(--transition-fast);
}

.footer-social__link:hover {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(200, 150, 62, 0.1);
}

.footer-col__heading {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(247, 244, 238, 0.4);
  margin-bottom: var(--space-5);
  padding-bottom: var(--space-4);
  border-bottom: 1px solid rgba(247, 244, 238, 0.08);
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer-links__link {
  font-size: 14px;
  color: rgba(247, 244, 238, 0.6);
  transition: color var(--transition-fast);
  padding: 2px 0;
}

.footer-links__link:hover {
  color: var(--gold);
}

.footer-sebi-reg {
  font-family: var(--font-mono);
  font-size: 12px;
  color: rgba(200, 150, 62, 0.7);
  margin-top: var(--space-5);
  padding: var(--space-3) var(--space-4);
  background: rgba(200, 150, 62, 0.07);
  border-radius: var(--radius-sm);
  border-left: 2px solid var(--gold);
}

.footer-bottom {
  border-top: 1px solid rgba(247, 244, 238, 0.08);
  padding-block: var(--space-6);
}

.footer-bottom__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-6);
  flex-wrap: wrap;
}

.footer-bottom__legal {
  display: flex;
  gap: var(--space-5);
  font-size: 13px;
  color: rgba(247, 244, 238, 0.4);
}

.footer-bottom__legal a {
  color: rgba(247, 244, 238, 0.4);
  transition: color var(--transition-fast);
}

.footer-bottom__legal a:hover {
  color: var(--cream);
}

.footer-bottom__copy {
  font-size: 13px;
  color: rgba(247, 244, 238, 0.35);
}

.footer-disclaimer {
  font-size: 12px;
  line-height: 1.7;
  color: rgba(232, 235, 242, 0.35);
  padding-block: var(--space-5);
  border-top: 1px solid rgba(247, 244, 238, 0.05);
}

/* ── Hero (Inner pages) ── */
.page-hero {
  background-color: var(--ink);
  padding-top: calc(80px + clamp(48px, 6vw, 80px));
  padding-bottom: clamp(48px, 6vw, 80px);
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23E8EBF2' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}

.page-hero__breadcrumb {
  font-size: 13px;
  color: rgba(232, 235, 242, 0.4);
  margin-bottom: var(--space-4);
}

.page-hero__breadcrumb a {
  color: rgba(232, 235, 242, 0.4);
  transition: color var(--transition-fast);
}

.page-hero__breadcrumb a:hover {
  color: var(--gold);
}

.page-hero__breadcrumb span {
  margin: 0 8px;
  opacity: 0.5;
}

.page-hero__title {
  font-family: var(--font-display);
  font-size: clamp(36px, 5vw, 56px);
  font-weight: 700;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: var(--space-4);
  position: relative;
  z-index: 1;
}

.page-hero__sub {
  font-size: clamp(16px, 2vw, 19px);
  color: rgba(232, 235, 242, 0.7);
  line-height: 1.6;
  max-width: 600px;
  position: relative;
  z-index: 1;
}

/* ── CTA Strip ── */
.cta-strip {
  background: var(--mist);
  border-radius: var(--radius);
  padding: var(--space-8) var(--space-10);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-8);
  margin-top: var(--space-10);
}

.cta-strip__text {
  font-size: 17px;
  font-weight: 500;
  color: var(--ink);
}

/* ── Pill Filters (Insights) ── */
.pill-filters {
  display: flex;
  gap: var(--space-2);
  flex-wrap: wrap;
  margin-bottom: var(--space-10);
}

.pill {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.04em;
  padding: 8px 18px;
  border-radius: 100px;
  border: 1.5px solid var(--mist);
  color: var(--slate);
  cursor: pointer;
  transition: all var(--transition-fast);
  background: var(--white);
}

.pill:hover,
.pill.active {
  background: var(--ink);
  border-color: var(--ink);
  color: var(--cream);
}

/* ── Editorial (Why RIA) ── */
.editorial {
  max-width: 740px;
  margin-inline: auto;
}

.editorial h2 {
  font-family: var(--font-display);
  font-size: clamp(24px, 3vw, 32px);
  font-weight: 600;
  color: var(--ink);
  margin-top: var(--space-12);
  margin-bottom: var(--space-5);
}

.editorial h3 {
  font-family: var(--font-body);
  font-size: 18px;
  font-weight: 600;
  color: var(--ink);
  margin-top: var(--space-8);
  margin-bottom: var(--space-3);
}

.editorial p {
  font-size: 17px;
  line-height: 1.8;
  color: var(--slate);
  margin-bottom: var(--space-5);
}

.editorial ul, .editorial ol {
  margin-bottom: var(--space-5);
  padding-left: var(--space-6);
}

.editorial li {
  font-size: 17px;
  line-height: 1.8;
  color: var(--slate);
  margin-bottom: var(--space-3);
  list-style-type: disc;
}

.editorial ol li {
  list-style-type: decimal;
}

.pull-quote {
  border-left: 3px solid var(--gold);
  padding: var(--space-5) var(--space-8);
  margin-block: var(--space-8);
  background: rgba(200, 150, 62, 0.04);
  border-radius: 0 var(--radius) var(--radius) 0;
}

.pull-quote p {
  font-family: var(--font-display);
  font-size: 20px;
  font-style: italic;
  color: var(--ink);
  line-height: 1.5;
  margin-bottom: 0;
}

.editorial .compare-table-wrapper {
  margin-block: var(--space-8);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-card);
}

.editorial .compare-table {
  background: var(--white);
  margin-top: 0;
}

.editorial .compare-table th {
  background: var(--ink);
  color: var(--cream);
}

.editorial .compare-table td {
  color: var(--slate);
  border-color: var(--mist);
}

.editorial .compare-table tr:nth-child(even) td {
  background: var(--cream);
}

.editorial .compare-table .col-inertia {
  color: var(--success);
  font-weight: 600;
}

.faq-item {
  border-bottom: 1px solid var(--mist);
  padding-block: var(--space-5);
}

.faq-item:last-child {
  border-bottom: none;
}

.faq-question {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 600;
  color: var(--ink);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-2) 0;
  list-style: none;
}

.faq-question::-webkit-details-marker {
  display: none;
}

.faq-question::after {
  content: '+';
  font-family: var(--font-mono);
  font-size: 22px;
  color: var(--gold);
  flex-shrink: 0;
  transition: transform var(--transition-fast);
}

details[open] .faq-question::after {
  transform: rotate(45deg);
}

.faq-answer {
  font-size: 16px;
  line-height: 1.75;
  color: var(--slate);
  padding-top: var(--space-4);
  padding-bottom: var(--space-2);
}

/* ── Cookie Consent Banner ── */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 2000;
  background: var(--ink);
  border-top: 1px solid rgba(200, 150, 62, 0.25);
  padding: var(--space-5) var(--container-pad);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-8);
  flex-wrap: wrap;
  transform: translateY(100%);
  transition: transform var(--transition-slow);
}

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

.cookie-banner__text {
  font-size: 13px;
  color: rgba(232, 235, 242, 0.7);
  line-height: 1.6;
  max-width: 600px;
  flex: 1;
}

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

.cookie-banner__actions {
  display: flex;
  gap: var(--space-3);
  flex-shrink: 0;
}

/* ── Alerts / Risk Disclaimer Banner ── */
.risk-alert {
  background: rgba(155, 35, 53, 0.08);
  border: 1px solid rgba(155, 35, 53, 0.2);
  border-radius: var(--radius);
  padding: var(--space-4) var(--space-6);
  font-size: 13px;
  color: var(--danger);
  line-height: 1.6;
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  margin-top: var(--space-6);
}

/* ── 404 Page ── */
.error-page {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: var(--space-8);
  background: var(--ink);
  position: relative;
  overflow: hidden;
}

.error-page__num {
  font-family: var(--font-display);
  font-size: clamp(120px, 20vw, 240px);
  font-weight: 700;
  color: rgba(200, 150, 62, 0.12);
  line-height: 1;
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -55%);
  pointer-events: none;
  user-select: none;
}

.error-page__content {
  position: relative;
  z-index: 1;
}

.error-page__title {
  font-family: var(--font-display);
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 600;
  color: var(--white);
  margin-bottom: var(--space-4);
}

.error-page__sub {
  font-size: 17px;
  color: rgba(232, 235, 242, 0.6);
  line-height: 1.6;
  margin-bottom: var(--space-8);
  max-width: 480px;
}

/* ── Animations ── */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

.fade-up {
  animation: fadeUp 0.7s ease both;
}

.fade-in {
  animation: fadeIn 0.5s ease both;
}

.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }
.delay-4 { animation-delay: 0.4s; }
.delay-5 { animation-delay: 0.5s; }
.delay-6 { animation-delay: 0.6s; }

/* Entrance animation (triggered by JS IntersectionObserver) */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll.animated {
  opacity: 1;
  transform: translateY(0);
}

/* ── Geometric hero texture ── */
.geo-texture {
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23E8EBF2' fill-opacity='0.035'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
  z-index: 0;
}

/* ── Utility ── */
.text-gold    { color: var(--gold); }
.text-ink     { color: var(--ink); }
.text-slate   { color: var(--slate); }
.text-cream   { color: var(--cream); }
.text-mist    { color: var(--mist); }
.text-white   { color: var(--white); }

.font-display { font-family: var(--font-display); }
.font-mono    { font-family: var(--font-mono); }

.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }

.flex        { display: flex; }
.flex-wrap   { flex-wrap: wrap; }
.items-center { align-items: center; }
.gap-3       { gap: var(--space-3); }
.gap-4       { gap: var(--space-4); }
.gap-5       { gap: var(--space-5); }
.gap-6       { gap: var(--space-6); }
.gap-8       { gap: var(--space-8); }

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  border: 0;
}

/* ── Visually Hidden (for a11y captions, labels) ── */
.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ── Skip Navigation Link ── */
.skip-link {
  position: absolute;
  top: -100%;
  left: 1rem;
  z-index: 10000;
  padding: 0.75rem 1.5rem;
  background: var(--ink);
  color: var(--white);
  font-weight: 600;
  border-radius: 0 0 8px 8px;
  text-decoration: none;
  transition: top 0.2s;
}
.skip-link:focus {
  top: 0;
}

/* ── Global Focus Ring ── */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
summary:focus-visible,
[tabindex]:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

.btn--primary:focus-visible {
  outline: 2px solid var(--white);
  outline-offset: -4px;
  box-shadow: 0 0 0 4px var(--gold);
}

.btn--ghost:focus-visible,
.btn--ghost-light:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

.text-link:focus-visible,
.text-link--light:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

.hamburger:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 4px;
}

.form-input:focus-visible,
.form-select:focus-visible,
.form-textarea:focus-visible {
  border-color: var(--gold);
  outline: 2px solid var(--gold);
  outline-offset: -2px;
  box-shadow: 0 0 0 3px rgba(200, 150, 62, 0.18);
}

/* ── Responsive ── */

/* Tablet */
@media (max-width: 1024px) {
  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }

  .steps-track {
    grid-template-columns: repeat(3, 1fr);
    row-gap: var(--space-10);
  }

  .steps-track::before {
    display: none;
  }

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

  .footer-grid > *:first-child {
    grid-column: 1 / -1;
  }

  .post-card--featured {
    grid-template-columns: 1fr;
  }

  .newsletter-strip {
    flex-direction: column;
    align-items: flex-start;
    gap: var(--space-6);
  }

  .newsletter-strip__form {
    width: 100%;
  }

  .newsletter-strip__input {
    flex: 1;
    width: auto;
  }
}

/* Mobile */
@media (max-width: 768px) {

  :root {
    --container-pad: 20px;
  }

  .grid-2,
  .grid-3,
  .grid-4 {
    grid-template-columns: 1fr;
  }

  .steps-track {
    grid-template-columns: 1fr;
    gap: var(--space-8);
  }

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

  .stat-block + .stat-block::before {
    display: none;
  }

  .stat-block {
    border-bottom: 1px solid rgba(200, 150, 62, 0.2);
  }

  .stat-block:last-child {
    border-bottom: none;
  }

  .team-card,
  .team-card--reverse {
    flex-direction: column;
  }

  .team-card__photo-wrap {
    width: 100%;
    height: 240px;
  }

  .header-nav,
  .header-actions {
    display: none;
  }

  .hamburger {
    display: flex;
  }

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

  .footer-bottom__inner {
    flex-direction: column;
    align-items: flex-start;
    gap: var(--space-4);
  }

  .cta-strip {
    flex-direction: column;
    align-items: flex-start;
    gap: var(--space-4);
  }

  .contact-form {
    padding: var(--space-6);
  }

  .reg-anchor-nav {
    position: static;
    margin-bottom: var(--space-8);
  }

  .trust-badges {
    gap: var(--space-5);
    flex-direction: column;
    align-items: flex-start;
  }

  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: var(--space-4);
  }

  .process-step {
    grid-template-columns: 60px 1fr;
  }
}

@media (max-width: 480px) {
  .btn {
    padding: 12px 24px;
    font-size: 14px;
  }
  .btn--lg {
    padding: 14px 28px;
    font-size: 15px;
  }
}

/* ── Reduced Motion ── */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* ── Error Messages (Form Accessibility) ── */
.error-msg {
  display: none;
  font-size: 13px;
  color: var(--danger);
  margin-top: var(--space-1);
  line-height: 1.4;
}

.form-group.has-error .error-msg {
  display: block;
}

.form-group.has-error .form-input,
.form-group.has-error .form-select,
.form-group.has-error .form-textarea {
  border-color: var(--danger);
}

.form-error-summary {
  font-size: 14px;
  color: var(--danger);
  padding: var(--space-4);
  background: rgba(155, 35, 53, 0.06);
  border: 1px solid rgba(155, 35, 53, 0.2);
  border-radius: var(--radius);
  margin-bottom: var(--space-6);
  display: none;
}

.form-error-summary.visible {
  display: block;
}

.form-success {
  font-size: 15px;
  color: var(--success);
  padding: var(--space-5);
  background: rgba(31, 122, 92, 0.06);
  border: 1px solid rgba(31, 122, 92, 0.2);
  border-radius: var(--radius);
  text-align: center;
  font-weight: 500;
}

/* ── Blog listing & posts ── */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-8);
  margin-top: var(--space-6);
}

.blog-card {
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--mist);
  display: flex;
  flex-direction: column;
  transition: box-shadow var(--transition), transform var(--transition);
}

.blog-card:hover {
  box-shadow: var(--shadow-card-hover);
  transform: translateY(-2px);
}

.blog-card__media {
  display: block;
  aspect-ratio: 16 / 9;
  background: var(--cream);
  overflow: hidden;
}

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

.blog-card__media-fallback {
  width: 100%;
  height: 100%;
  min-height: 180px;
  background: linear-gradient(135deg, var(--ink) 0%, #2d3548 100%);
}

.blog-card__body {
  padding: var(--space-6);
  flex: 1;
  display: flex;
  flex-direction: column;
}

.blog-card__meta {
  font-size: 12px;
  color: rgba(61, 74, 107, 0.65);
  margin-bottom: var(--space-2);
}

.blog-card__title {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 600;
  line-height: 1.35;
  margin-bottom: var(--space-3);
}

.blog-card__title a {
  color: var(--ink);
  text-decoration: none;
}

.blog-card__title a:hover {
  color: var(--gold-accessible);
}

.blog-card__excerpt {
  font-size: 15px;
  color: var(--slate);
  line-height: 1.65;
  flex: 1;
  margin-bottom: var(--space-4);
}

.blog-card__read {
  font-size: 14px;
  font-weight: 600;
  color: var(--gold);
  text-decoration: none;
}

.blog-card__read:hover {
  text-decoration: underline;
}

.blog-empty {
  grid-column: 1 / -1;
  text-align: center;
  padding: var(--space-12);
  color: var(--slate);
  font-size: 15px;
}

.blog-article {
  max-width: var(--container-narrow);
  margin: 0 auto;
  padding: 0 var(--container-pad) var(--space-20);
}

.blog-article__hero {
  margin: calc(-1 * var(--space-4)) 0 var(--space-8);
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--mist);
}

.blog-article__hero img {
  width: 100%;
  height: auto;
  display: block;
  vertical-align: middle;
}

.blog-article__meta {
  font-size: 14px;
  color: rgba(61, 74, 107, 0.75);
  margin-bottom: var(--space-4);
}

.blog-article__content {
  font-size: 17px;
  line-height: 1.75;
  color: var(--slate);
}

.blog-article__content p {
  margin-bottom: var(--space-5);
}

.blog-article__content h2 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--ink);
  margin: var(--space-10) 0 var(--space-4);
  font-weight: 600;
}

.blog-article__content ul {
  margin: var(--space-4) 0 var(--space-5) var(--space-6);
}

.blog-article__content li {
  margin-bottom: var(--space-2);
}

.blog-article__content blockquote {
  margin: var(--space-6) 0;
  padding: var(--space-4) var(--space-6);
  border-left: 3px solid var(--gold);
  background: rgba(200, 150, 62, 0.06);
  font-style: italic;
  color: var(--ink);
}

@media (max-width: 768px) {
  .blog-grid {
    grid-template-columns: 1fr;
  }
}