/* =================================================================
   SinoCapital Wealth Management (HK) Limited
   盈豐資本財富管理(香港)有限公司
   Design system — "private-bank annual report on ivory paper"
   Deep navy · gold hairlines · warm ivory · editorial serif
   ================================================================= */

/* ---------- Fonts (self-hosted — no external CDN) ---------- */
@import url('fonts.css');

/* ---------- Design tokens ---------- */
:root {
  /* Brand palette (from logo) */
  --navy:        #061A39;
  --navy-700:    #0B254D;
  --navy-500:    #163566;
  --gold:        #B99045;
  --gold-bright: #D6B66A;
  --gold-deep:   #9A7430;
  --ivory:       #FBF7F0;
  --ivory-2:     #F5EEE1;
  --white:       #FFFFFF;
  --ink:         #1A1F2B;
  --ink-soft:    #3A4252;
  --muted:       #667085;
  --line:        #E7E0D3;
  --line-soft:   #EFE9DC;

  /* Semantic */
  --bg:          var(--ivory);
  --surface:     var(--white);
  --text:        var(--ink);
  --heading:     var(--navy);

  /* Typography */
  --font-display: 'Fraunces', 'Noto Serif TC', 'Noto Serif SC', 'Songti TC', 'Songti SC', Georgia, 'Times New Roman', serif;
  --font-serif-cjk: 'Noto Serif TC', 'Noto Serif SC', 'Songti TC', 'Songti SC', 'SimSun', Georgia, serif;
  --font-body: 'Hanken Grotesk', 'Noto Sans TC', 'Noto Sans SC', 'PingFang TC', 'PingFang SC', 'Microsoft JhengHei', 'Microsoft YaHei', system-ui, sans-serif;

  /* Scale */
  --container: 1240px;
  --container-narrow: 880px;
  --gutter: clamp(20px, 5vw, 56px);

  --r-sm: 6px;
  --r-md: 10px;
  --r-lg: 16px;

  --shadow-sm: 0 1px 2px rgba(6, 26, 57, .04), 0 2px 8px rgba(6, 26, 57, .04);
  --shadow-md: 0 14px 40px -18px rgba(6, 26, 57, .22);
  --shadow-lg: 0 40px 80px -32px rgba(6, 26, 57, .35);

  --ease: cubic-bezier(.22, .61, .36, 1);

  --section-pad: clamp(72px, 9vw, 128px);
}

/* Language-aware heading font: CJK headings use serif CJK */
html[lang^="zh"] {
  --font-display: 'Noto Serif TC', 'Fraunces', 'Songti TC', 'Songti SC', 'SimSun', Georgia, serif;
}
html[lang="zh-Hans"] {
  --font-display: 'Noto Serif SC', 'Fraunces', 'Songti SC', 'SimSun', Georgia, serif;
  --font-serif-cjk: 'Noto Serif SC', 'Songti SC', 'SimSun', Georgia, serif;
  --font-body: 'Hanken Grotesk', 'Noto Sans SC', 'PingFang SC', 'Microsoft YaHei', 'Hiragino Sans GB', system-ui, sans-serif;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}

body {
  font-family: var(--font-body);
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  font-size: 17px;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; cursor: pointer; background: none; border: none; }
ul, ol { list-style: none; padding: 0; }
input, textarea, select { font: inherit; color: inherit; }
::selection { background: var(--gold); color: var(--navy); }

/* ---------- Atmosphere: faint paper grain on ivory ---------- */
body::before {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  opacity: .5;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.025'/%3E%3C/svg%3E");
}

/* ---------- Layout ---------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
  position: relative;
  z-index: 1;
}
.container--narrow { max-width: var(--container-narrow); }

.section { padding-block: var(--section-pad); position: relative; }
.section--tight { padding-block: clamp(48px, 6vw, 80px); }

/* ---------- Typography helpers ---------- */
.display {
  font-family: var(--font-display);
  color: var(--heading);
  font-weight: 500;
  line-height: 1.06;
  letter-spacing: -.015em;
  font-optical-sizing: auto;
}
html[lang^="zh"] .display { letter-spacing: .01em; line-height: 1.18; font-weight: 600; }

.h1 { font-size: clamp(2.6rem, 6.2vw, 4.5rem); }
.h2 { font-size: clamp(2rem, 4.2vw, 3.1rem); }
.h3 { font-size: clamp(1.5rem, 2.6vw, 2.1rem); }
.h4 { font-size: clamp(1.2rem, 1.8vw, 1.45rem); }

.lead {
  font-size: clamp(1.08rem, 1.5vw, 1.3rem);
  color: var(--ink-soft);
  line-height: 1.7;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .7em;
  font-family: var(--font-body);
  font-size: .74rem;
  font-weight: 600;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--gold-deep);
}
.eyebrow::before {
  content: "";
  width: 26px;
  height: 1px;
  background: var(--gold);
}
.eyebrow--center::before { display: none; }
html[lang^="zh"] .eyebrow { letter-spacing: .14em; font-size: .8rem; }

.serif-accent { font-family: var(--font-display); font-style: italic; color: var(--gold-deep); font-weight: 400; }
.text-gold { color: var(--gold-deep); }
.text-muted { color: var(--muted); }

/* Section header block */
.sec-head { max-width: 720px; }
.sec-head--center { margin-inline: auto; text-align: center; }
.sec-head .h2 { margin-top: .55rem; }
.sec-head .lead { margin-top: 1.1rem; }

/* Big faint serif index numeral (annual-report motif) */
.sec-index {
  font-family: var(--font-display);
  font-size: clamp(3rem, 7vw, 5.5rem);
  font-weight: 400;
  color: transparent;
  -webkit-text-stroke: 1px var(--gold);
  opacity: .5;
  line-height: 1;
  font-variant-numeric: lining-nums;
}

/* Gold hairline rule */
.rule { height: 1px; background: var(--line); border: 0; }
.rule--gold { background: linear-gradient(90deg, var(--gold) 0%, transparent 70%); height: 1px; border: 0; }

/* =================================================================
   Buttons
   ================================================================= */
.btn {
  --btn-bg: var(--navy);
  --btn-fg: var(--white);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .6em;
  padding: 1.02em 1.7em;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: .95rem;
  letter-spacing: .01em;
  line-height: 1;
  background: var(--btn-bg);
  color: var(--btn-fg);
  border-radius: 999px;
  border: 1px solid transparent;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
  position: relative;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn:active { transform: translateY(0); }
.btn:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }

.btn--primary { background: var(--navy); color: #fff; }
.btn--primary:hover { background: var(--navy-700); }

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

.btn--ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--gold);
}
.btn--ghost:hover { background: rgba(185,144,69,.08); border-color: var(--gold-deep); }

.btn--on-navy { background: var(--gold); color: var(--navy); }
.btn--on-navy:hover { background: var(--gold-bright); }
.btn--ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.45); }
.btn--ghost-light:hover { border-color: var(--gold-bright); color: var(--gold-bright); }

.btn .arrow { transition: transform .35s var(--ease); }
.btn:hover .arrow { transform: translateX(4px); }

/* Text / link with animated gold underline */
.link-gold {
  display: inline-flex;
  align-items: center;
  gap: .5em;
  font-weight: 600;
  font-size: .95rem;
  color: var(--gold-deep);
  position: relative;
}
.link-gold::after {
  content: "";
  position: absolute;
  left: 0; bottom: -3px;
  width: 100%; height: 1px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .4s var(--ease);
}
.link-gold:hover::after { transform: scaleX(1); }
.link-gold .arrow { transition: transform .35s var(--ease); }
.link-gold:hover .arrow { transform: translateX(4px); }

/* =================================================================
   Top contact bar
   ================================================================= */
.topbar {
  background: var(--navy);
  color: rgba(255,255,255,.82);
  font-size: .82rem;
  position: relative;
  z-index: 60;
}
.topbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  padding-block: .55rem;
  flex-wrap: wrap;
}
.topbar a { display: inline-flex; align-items: center; gap: .45em; transition: color .25s; }
.topbar a:hover { color: var(--gold-bright); }
.topbar__group { display: flex; align-items: center; gap: 1.4rem; flex-wrap: wrap; }
.topbar__group--right { color: rgba(255,255,255,.6); }
.topbar .dot { width: 5px; height: 5px; border-radius: 50%; background: var(--gold); }
.topbar svg { width: 15px; height: 15px; stroke: var(--gold-bright); }
@media (max-width: 760px) {
  .topbar__group--langs, .topbar .topbar-hide-sm { display: none; }
  .topbar__inner { justify-content: center; }
}

/* =================================================================
   Header / nav
   ================================================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(251,247,240,.82);
  backdrop-filter: saturate(140%) blur(14px);
  -webkit-backdrop-filter: saturate(140%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color .4s var(--ease), background .4s var(--ease), box-shadow .4s var(--ease);
}
.site-header.is-scrolled {
  border-bottom-color: var(--line);
  box-shadow: 0 8px 30px -22px rgba(6,26,57,.4);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  padding-block: .85rem;
}
.nav__logo img { height: clamp(40px, 5vw, 52px); width: auto; }
.nav__menu { display: flex; align-items: center; gap: clamp(1rem, 2.4vw, 2.1rem); }
.nav__link {
  font-size: .96rem;
  font-weight: 500;
  color: var(--ink-soft);
  position: relative;
  padding-block: .4rem;
  transition: color .25s;
}
.nav__link::after {
  content: "";
  position: absolute;
  left: 0; bottom: 0;
  width: 100%; height: 1.5px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .4s var(--ease);
}
.nav__link:hover, .nav__link.is-active { color: var(--navy); }
.nav__link:hover::after, .nav__link.is-active::after { transform: scaleX(1); }
.nav__actions { display: flex; align-items: center; gap: 1rem; }

/* language switch (in nav, mobile-friendly) */
.lang-switch { display: inline-flex; align-items: center; border: 1px solid var(--line); border-radius: 999px; overflow: hidden; background: var(--white); }
.lang-switch button {
  padding: .42rem .7rem;
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .02em;
  color: var(--muted);
  transition: background .25s, color .25s;
}
.lang-switch button + button { border-left: 1px solid var(--line); }
.lang-switch button.is-active { background: var(--navy); color: #fff; }
.lang-switch button:hover:not(.is-active) { color: var(--navy); }

.nav__toggle { display: none; width: 42px; height: 42px; align-items: center; justify-content: center; border-radius: 999px; border: 1px solid var(--line); }
.nav__toggle span { position: relative; width: 18px; height: 1.6px; background: var(--navy); transition: .3s var(--ease); }
.nav__toggle span::before, .nav__toggle span::after { content: ""; position: absolute; left: 0; width: 18px; height: 1.6px; background: var(--navy); transition: .3s var(--ease); }
.nav__toggle span::before { top: -6px; }
.nav__toggle span::after { top: 6px; }
body.menu-open .nav__toggle span { background: transparent; }
body.menu-open .nav__toggle span::before { top: 0; transform: rotate(45deg); }
body.menu-open .nav__toggle span::after { top: 0; transform: rotate(-45deg); }

@media (max-width: 1000px) {
  .nav__menu, .nav__actions .lang-switch { display: none; }
  .nav__toggle { display: inline-flex; }
  .nav__cta-desktop { display: none; }
}

/* mobile drawer */
.mobile-drawer {
  position: fixed;
  inset: 0;
  z-index: 45;
  background: var(--ivory);
  padding: 110px var(--gutter) 40px;
  display: flex;
  flex-direction: column;
  gap: .25rem;
  transform: translateY(-100%);
  opacity: 0;
  visibility: hidden;
  transition: transform .5s var(--ease), opacity .4s var(--ease), visibility .4s;
  overflow-y: auto;
}
body.menu-open .mobile-drawer { transform: translateY(0); opacity: 1; visibility: visible; }
.mobile-drawer a.m-link {
  font-family: var(--font-display);
  font-size: 1.7rem;
  color: var(--navy);
  padding: .7rem 0;
  border-bottom: 1px solid var(--line);
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.mobile-drawer a.m-link .idx { font-family: var(--font-body); font-size: .8rem; color: var(--gold-deep); letter-spacing: .1em; }
.mobile-drawer .m-foot { margin-top: auto; padding-top: 2rem; display: flex; flex-direction: column; gap: 1.2rem; }
.mobile-drawer .lang-switch { align-self: flex-start; }

/* =================================================================
   Hero
   ================================================================= */
.hero {
  position: relative;
  padding-top: clamp(56px, 8vw, 104px);
  padding-bottom: clamp(64px, 9vw, 120px);
  overflow: hidden;
}
.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
}
/* faint shield watermark */
.hero__watermark {
  position: absolute;
  right: -6%;
  top: 50%;
  transform: translateY(-50%);
  width: min(640px, 60vw);
  opacity: .06;
  z-index: 0;
}
.hero__grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: clamp(2rem, 5vw, 5rem);
  align-items: center;
}
.hero__eyebrow { margin-bottom: 1.4rem; }
.hero__title { font-size: clamp(2.7rem, 6vw, 4.6rem); }
.hero__title .accent { color: var(--gold-deep); font-style: italic; }
.hero__sub { margin-top: 1.6rem; max-width: 30em; }
.hero__cta { margin-top: 2.4rem; display: flex; gap: 1rem; flex-wrap: wrap; }
.hero__licence {
  margin-top: 2.6rem;
  display: inline-flex;
  align-items: center;
  gap: 1rem;
  padding: .9rem 1.3rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  box-shadow: var(--shadow-sm);
}
.hero__licence .seal {
  width: 42px; height: 42px; flex: 0 0 42px;
  border-radius: 50%;
  background: radial-gradient(circle at 30% 30%, var(--gold-bright), var(--gold-deep));
  display: grid; place-items: center;
  color: var(--navy);
}
.hero__licence .seal svg { width: 22px; height: 22px; stroke: var(--navy); }
.hero__licence .t { font-size: .82rem; line-height: 1.4; }
.hero__licence .t b { color: var(--navy); font-weight: 700; letter-spacing: .02em; }
.hero__licence .t span { color: var(--muted); display: block; }

/* hero side card: framed brand panel */
.hero__panel {
  position: relative;
  border: 1px solid var(--line);
  background:
    linear-gradient(180deg, rgba(255,255,255,.5), rgba(245,238,225,.5));
  border-radius: var(--r-lg);
  padding: clamp(1.6rem, 3vw, 2.6rem);
  box-shadow: var(--shadow-md);
}
.hero__panel::before {
  content: "";
  position: absolute;
  inset: 10px;
  border: 1px solid var(--gold);
  opacity: .35;
  border-radius: calc(var(--r-lg) - 6px);
  pointer-events: none;
}
.hero__panel .panel-kicker { font-size: .76rem; letter-spacing: .2em; text-transform: uppercase; color: var(--gold-deep); font-weight: 600; }
.hero__panel .panel-list { margin-top: 1.4rem; display: flex; flex-direction: column; gap: 0; }
.hero__panel .panel-row { display: flex; gap: 1rem; align-items: baseline; padding: .9rem 0; border-top: 1px solid var(--line); }
.hero__panel .panel-row:first-of-type { border-top: 0; }
.hero__panel .panel-row .num { font-family: var(--font-display); font-size: 1.5rem; color: var(--gold-deep); line-height: 1; min-width: 1.8em; }
.hero__panel .panel-row .lbl b { display: block; color: var(--navy); font-weight: 600; font-size: 1rem; }
.hero__panel .panel-row .lbl span { font-size: .85rem; color: var(--muted); }

@media (max-width: 920px) {
  .hero__grid { grid-template-columns: 1fr; gap: 2.6rem; }
  .hero__panel { order: 2; }
}

/* =================================================================
   Stats band (navy, gold contour atmosphere)
   ================================================================= */
.stats {
  background: var(--navy);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.stats::before {
  content: "";
  position: absolute; inset: 0;
  background:
    radial-gradient(120% 140% at 90% -10%, rgba(214,182,106,.18), transparent 55%),
    radial-gradient(80% 120% at 0% 120%, rgba(22,53,102,.7), transparent 60%);
  pointer-events: none;
}
.stats__grid {
  position: relative; z-index: 1;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.1);
}
.stat {
  background: var(--navy);
  padding: clamp(1.6rem, 3vw, 2.6rem) clamp(1.2rem, 2.5vw, 2rem);
}
.stat__num {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 4.5vw, 3.4rem);
  font-weight: 500;
  color: var(--gold-bright);
  line-height: 1;
  display: flex;
  align-items: baseline;
  gap: .08em;
}
.stat__num .suffix { font-size: .5em; color: var(--gold); }
.stat__label { margin-top: .9rem; font-size: .92rem; color: rgba(255,255,255,.78); }
.stat__sub { font-size: .78rem; color: rgba(255,255,255,.5); margin-top: .2rem; }
@media (max-width: 860px) { .stats__grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 460px) { .stats__grid { grid-template-columns: 1fr; } }

/* =================================================================
   Service cards
   ================================================================= */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(1rem, 1.8vw, 1.4rem);
}
.card-grid--2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 960px) { .card-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .card-grid, .card-grid--2 { grid-template-columns: 1fr; } }

.svc-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: clamp(1.6rem, 2.4vw, 2.1rem);
  overflow: hidden;
  transition: transform .45s var(--ease), box-shadow .45s var(--ease), border-color .45s var(--ease);
}
.svc-card::after {
  content: "";
  position: absolute; left: 0; top: 0;
  width: 100%; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-bright));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .5s var(--ease);
}
.svc-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--line-soft); }
.svc-card:hover::after { transform: scaleX(1); }
.svc-card__icon {
  width: 52px; height: 52px;
  border-radius: var(--r-sm);
  display: grid; place-items: center;
  background: linear-gradient(160deg, var(--ivory-2), var(--ivory));
  border: 1px solid var(--line);
  margin-bottom: 1.3rem;
}
.svc-card__icon svg { width: 26px; height: 26px; stroke: var(--gold-deep); fill: none; stroke-width: 1.5; }
.svc-card__title { font-family: var(--font-display); font-size: 1.3rem; color: var(--navy); font-weight: 600; }
html[lang^="zh"] .svc-card__title { font-size: 1.35rem; }
.svc-card__desc { margin-top: .7rem; font-size: .95rem; color: var(--ink-soft); line-height: 1.6; }
.svc-card__tags { margin-top: 1.2rem; display: flex; flex-wrap: wrap; gap: .5rem; }
.tag {
  font-size: .76rem; font-weight: 500;
  color: var(--ink-soft);
  padding: .3rem .7rem;
  background: var(--ivory);
  border: 1px solid var(--line);
  border-radius: 999px;
}
.svc-card__more { margin-top: 1.4rem; }

/* =================================================================
   Feature / why-us split
   ================================================================= */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 5vw, 5rem);
  align-items: center;
}
.split--reverse .split__media { order: 2; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } .split--reverse .split__media { order: 0; } }

.value-list { margin-top: 2rem; display: flex; flex-direction: column; gap: 0; }
.value-item { display: flex; gap: 1.3rem; padding: 1.5rem 0; border-top: 1px solid var(--line); }
.value-item:first-child { border-top: 0; padding-top: 0; }
.value-item__no {
  font-family: var(--font-display);
  font-size: 1.05rem;
  color: var(--gold-deep);
  flex: 0 0 auto;
  width: 2.4rem; height: 2.4rem;
  border: 1px solid var(--gold);
  border-radius: 50%;
  display: grid; place-items: center;
}
.value-item__title { font-family: var(--font-display); font-size: 1.25rem; color: var(--navy); font-weight: 600; }
.value-item__desc { margin-top: .35rem; font-size: .95rem; color: var(--ink-soft); }

/* decorative framed media block */
.frame-media {
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
  background: var(--navy);
  min-height: 420px;
  box-shadow: var(--shadow-md);
}
.frame-media__art {
  position: absolute; inset: 0;
  background:
    radial-gradient(90% 90% at 80% 10%, rgba(214,182,106,.22), transparent 50%),
    radial-gradient(120% 120% at 0% 100%, rgba(22,53,102,.9), transparent 55%),
    var(--navy);
}
.frame-media__inner {
  position: relative;
  z-index: 1;
  height: 100%;
  min-height: inherit;
  padding: clamp(1.8rem, 3vw, 2.6rem);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  color: #fff;
}
.frame-media__quote { font-family: var(--font-display); font-size: clamp(1.4rem, 2.4vw, 2rem); line-height: 1.35; }
.frame-media__quote .q { color: var(--gold-bright); }
.frame-media__by { font-size: .85rem; color: rgba(255,255,255,.65); margin-top: 1.4rem; }
.frame-media__seal { align-self: flex-start; width: 64px; opacity: .9; }

/* contour line decoration */
.contour { position: absolute; inset: 0; opacity: .14; pointer-events: none; }

/* =================================================================
   Process / timeline
   ================================================================= */
.process { counter-reset: step; }
.process__track { position: relative; display: grid; gap: 0; }
.proc-step {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: clamp(1.4rem, 3vw, 2.6rem);
  padding: clamp(1.6rem, 3vw, 2.4rem) 0;
  border-top: 1px solid var(--line);
  align-items: start;
  position: relative;
}
.proc-step:last-child { border-bottom: 1px solid var(--line); }
.proc-step__no {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  color: transparent;
  -webkit-text-stroke: 1px var(--gold);
  line-height: 1;
  min-width: 2.4em;
  transition: color .4s var(--ease), -webkit-text-stroke-color .4s var(--ease);
}
.proc-step:hover .proc-step__no { color: var(--gold-deep); -webkit-text-stroke-color: var(--gold-deep); }
.proc-step__body { max-width: 60ch; }
.proc-step__title { font-family: var(--font-display); font-size: clamp(1.25rem, 2vw, 1.6rem); color: var(--navy); font-weight: 600; }
.proc-step__desc { margin-top: .55rem; color: var(--ink-soft); font-size: .98rem; }
.proc-step__meta { margin-top: .9rem; display: flex; flex-wrap: wrap; gap: .5rem; }

/* horizontal step cards (alt) */
.steps-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
@media (max-width: 820px) { .steps-row { grid-template-columns: 1fr; } }
.step-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: 1.8rem;
  position: relative;
}
.step-card__no { font-family: var(--font-display); font-size: 1.1rem; color: var(--gold-deep); }
.step-card__title { font-family: var(--font-display); font-size: 1.2rem; color: var(--navy); margin-top: .6rem; font-weight: 600; }
.step-card__desc { margin-top: .5rem; font-size: .92rem; color: var(--ink-soft); }

/* =================================================================
   Scenario cards (overlap editorial)
   ================================================================= */
.scenario-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
@media (max-width: 920px) { .scenario-grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 600px) { .scenario-grid { grid-template-columns: 1fr; } }
.scenario {
  background: linear-gradient(180deg, var(--white), var(--ivory));
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: 1.7rem;
  transition: transform .4s var(--ease), box-shadow .4s var(--ease);
}
.scenario:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.scenario__tag { font-size: .76rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-deep); font-weight: 600; }
.scenario__title { font-family: var(--font-display); font-size: 1.3rem; color: var(--navy); margin-top: .6rem; font-weight: 600; }
.scenario__desc { margin-top: .55rem; font-size: .92rem; color: var(--ink-soft); }

/* =================================================================
   Insights / articles
   ================================================================= */
.article-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  overflow: hidden;
  transition: transform .4s var(--ease), box-shadow .4s var(--ease);
}
.article-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.article-card__media { aspect-ratio: 16/10; position: relative; overflow: hidden; background: var(--navy); }
.article-card__art { position: absolute; inset: 0; }
.article-card__cat {
  position: absolute; left: 14px; top: 14px;
  font-size: .72rem; font-weight: 600; letter-spacing: .08em;
  text-transform: uppercase;
  padding: .35rem .7rem;
  background: rgba(251,247,240,.92);
  color: var(--gold-deep);
  border-radius: 999px;
}
.article-card__body { padding: 1.5rem; display: flex; flex-direction: column; flex: 1; }
.article-card__date { font-size: .8rem; color: var(--muted); letter-spacing: .04em; }
.article-card__title { font-family: var(--font-display); font-size: 1.25rem; color: var(--navy); margin-top: .5rem; font-weight: 600; line-height: 1.3; }
.article-card__excerpt { margin-top: .6rem; font-size: .92rem; color: var(--ink-soft); flex: 1; }
.article-card__more { margin-top: 1.2rem; }

/* =================================================================
   FAQ accordion
   ================================================================= */
.faq { border-top: 1px solid var(--line); }
.faq__item { border-bottom: 1px solid var(--line); }
.faq__q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  text-align: left;
  padding: 1.5rem 0;
  font-family: var(--font-display);
  font-size: clamp(1.1rem, 1.7vw, 1.35rem);
  color: var(--navy);
  font-weight: 600;
}
.faq__icon { position: relative; width: 20px; height: 20px; flex: 0 0 20px; }
.faq__icon::before, .faq__icon::after { content: ""; position: absolute; background: var(--gold-deep); transition: transform .4s var(--ease); }
.faq__icon::before { left: 0; top: 9px; width: 20px; height: 2px; }
.faq__icon::after { left: 9px; top: 0; width: 2px; height: 20px; }
.faq__item.is-open .faq__icon::after { transform: scaleY(0); }
.faq__a { max-height: 0; overflow: hidden; transition: max-height .5s var(--ease); }
.faq__a-inner { padding-bottom: 1.5rem; color: var(--ink-soft); font-size: .98rem; max-width: 70ch; }

/* =================================================================
   Forms
   ================================================================= */
.form { display: grid; gap: 1.2rem; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }
@media (max-width: 560px) { .form__row { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: .5rem; }
.field label { font-size: .85rem; font-weight: 600; color: var(--navy); letter-spacing: .02em; }
.field label .req { color: var(--gold-deep); }
.field input, .field select, .field textarea {
  padding: .9rem 1rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  font-size: .96rem;
  transition: border-color .25s, box-shadow .25s;
  width: 100%;
}
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(185,144,69,.14);
}
.field--error input, .field--error select, .field--error textarea { border-color: #C0492F; }
.field__err { font-size: .78rem; color: #C0492F; display: none; }
.field--error .field__err { display: block; }
.form__consent { display: flex; gap: .7rem; align-items: flex-start; font-size: .85rem; color: var(--muted); }
.form__consent input { margin-top: .25rem; accent-color: var(--gold-deep); width: 16px; height: 16px; }
.form__success {
  display: none;
  padding: 1rem 1.2rem;
  background: rgba(185,144,69,.1);
  border: 1px solid var(--gold);
  border-radius: var(--r-sm);
  color: var(--navy);
  font-size: .92rem;
}
.form__success.is-visible { display: block; }

/* form panel wrapper (used on home/contact) */
.form-panel {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: clamp(1.6rem, 3vw, 2.8rem);
  box-shadow: var(--shadow-md);
}

/* =================================================================
   Page hero (interior pages)
   ================================================================= */
.page-hero {
  position: relative;
  padding-top: clamp(56px, 7vw, 92px);
  padding-bottom: clamp(40px, 5vw, 64px);
  background: linear-gradient(180deg, var(--ivory-2), var(--ivory));
  border-bottom: 1px solid var(--line);
  overflow: hidden;
}
.page-hero__num {
  position: absolute;
  right: var(--gutter);
  bottom: -.2em;
  font-family: var(--font-display);
  font-size: clamp(7rem, 20vw, 16rem);
  color: transparent;
  -webkit-text-stroke: 1px var(--gold);
  opacity: .22;
  line-height: .8;
  pointer-events: none;
}
.breadcrumb { display: flex; gap: .5rem; align-items: center; font-size: .82rem; color: var(--muted); margin-bottom: 1.3rem; }
.breadcrumb a:hover { color: var(--gold-deep); }
.breadcrumb .sep { color: var(--gold); }
.page-hero__title { font-size: clamp(2.4rem, 5vw, 3.8rem); max-width: 16ch; }
.page-hero__lead { margin-top: 1.2rem; max-width: 56ch; }

/* =================================================================
   Bands / CTA
   ================================================================= */
.cta-band {
  background: var(--navy);
  color: #fff;
  border-radius: var(--r-lg);
  padding: clamp(2.4rem, 5vw, 4rem);
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(90% 130% at 100% 0%, rgba(214,182,106,.2), transparent 55%);
}
.cta-band__inner { position: relative; z-index: 1; display: flex; align-items: center; justify-content: space-between; gap: 2rem; flex-wrap: wrap; }
.cta-band__title { font-family: var(--font-display); font-size: clamp(1.8rem, 3.2vw, 2.6rem); font-weight: 500; max-width: 18ch; }
.cta-band__title .q { color: var(--gold-bright); }
.cta-band__actions { display: flex; gap: 1rem; flex-wrap: wrap; }

/* Alternating section backgrounds */
.bg-ivory2 { background: var(--ivory-2); }
.bg-white { background: var(--white); }

/* prose for legal pages */
.prose { max-width: 76ch; }
.prose h2 { font-family: var(--font-display); color: var(--navy); font-size: clamp(1.4rem, 2.2vw, 1.8rem); margin-top: 2.6rem; margin-bottom: .8rem; font-weight: 600; }
.prose h3 { font-family: var(--font-display); color: var(--navy); font-size: 1.2rem; margin-top: 1.8rem; margin-bottom: .5rem; font-weight: 600; }
.prose p { margin-bottom: 1rem; color: var(--ink-soft); }
.prose ul { margin: 0 0 1.2rem; padding-left: 0; display: flex; flex-direction: column; gap: .6rem; }
.prose ul li { position: relative; padding-left: 1.6rem; color: var(--ink-soft); }
.prose ul li::before { content: ""; position: absolute; left: 0; top: .62em; width: 7px; height: 7px; background: var(--gold); border-radius: 50%; }
.prose a { color: var(--gold-deep); text-decoration: underline; text-underline-offset: 3px; }
.prose strong { color: var(--navy); }

/* contact info list */
.contact-list { display: flex; flex-direction: column; gap: 1.6rem; }
.contact-row { display: flex; gap: 1.1rem; align-items: flex-start; }
.contact-row__icon { flex: 0 0 46px; width: 46px; height: 46px; border-radius: var(--r-sm); display: grid; place-items: center; background: var(--ivory); border: 1px solid var(--line); }
.contact-row__icon svg { width: 22px; height: 22px; stroke: var(--gold-deep); fill: none; stroke-width: 1.6; }
.contact-row__label { font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); font-weight: 600; }
.contact-row__value { font-size: 1.05rem; color: var(--navy); font-weight: 500; margin-top: .15rem; }
.contact-row__value a:hover { color: var(--gold-deep); }
.contact-row__sub { font-size: .85rem; color: var(--muted); }

/* map placeholder */
.map-frame { border-radius: var(--r-lg); overflow: hidden; border: 1px solid var(--line); min-height: 320px; position: relative; background: linear-gradient(160deg, var(--ivory-2), var(--ivory)); }

/* =================================================================
   Footer
   ================================================================= */
.site-footer { background: var(--navy); color: rgba(255,255,255,.72); position: relative; overflow: hidden; }
.site-footer::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(80% 120% at 100% 0%, rgba(214,182,106,.1), transparent 55%);
  pointer-events: none;
}
.footer__top { position: relative; z-index: 1; display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.1fr; gap: clamp(1.6rem, 3vw, 3rem); padding-block: clamp(3rem, 5vw, 4.5rem); }
@media (max-width: 900px) { .footer__top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer__top { grid-template-columns: 1fr; } }
.footer__brand .logo-mark { background: var(--ivory); padding: .9rem 1.1rem; border-radius: var(--r-md); display: inline-block; }
.footer__brand .logo-mark img { height: 46px; }
.footer__brand p { margin-top: 1.3rem; font-size: .9rem; line-height: 1.7; max-width: 34ch; color: rgba(255,255,255,.66); }
.footer__licence { margin-top: 1.4rem; display: inline-flex; align-items: center; gap: .6rem; font-size: .82rem; color: var(--gold-bright); border: 1px solid rgba(214,182,106,.4); border-radius: 999px; padding: .5rem .9rem; }
.footer__col h4 { font-family: var(--font-body); font-size: .78rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-bright); margin-bottom: 1.2rem; font-weight: 600; }
.footer__col ul { display: flex; flex-direction: column; gap: .7rem; }
.footer__col a, .footer__col li { font-size: .92rem; color: rgba(255,255,255,.72); transition: color .25s; }
.footer__col a:hover { color: var(--gold-bright); }
.footer__contact-line { display: flex; gap: .5rem; align-items: flex-start; }
.footer__contact-line svg { width: 16px; height: 16px; stroke: var(--gold-bright); margin-top: .25rem; flex: 0 0 16px; }
.footer__bottom {
  position: relative; z-index: 1;
  border-top: 1px solid rgba(255,255,255,.12);
  padding-block: 1.6rem;
  display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap;
  font-size: .82rem; color: rgba(255,255,255,.55);
}
.footer__bottom a:hover { color: var(--gold-bright); }
.footer__disclaimer {
  position: relative; z-index: 1;
  border-top: 1px solid rgba(255,255,255,.1);
  padding-block: 1.4rem 2.4rem;
  font-size: .76rem; line-height: 1.7; color: rgba(255,255,255,.42);
  max-width: 100ch;
}

/* =================================================================
   Reveal-on-scroll animation
   ================================================================= */
[data-reveal] {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity .8s var(--ease), transform .8s var(--ease);
  will-change: opacity, transform;
}
[data-reveal].is-in { opacity: 1; transform: none; }
[data-reveal][data-reveal-delay="1"] { transition-delay: .08s; }
[data-reveal][data-reveal-delay="2"] { transition-delay: .16s; }
[data-reveal][data-reveal-delay="3"] { transition-delay: .24s; }
[data-reveal][data-reveal-delay="4"] { transition-delay: .32s; }
[data-reveal][data-reveal-delay="5"] { transition-delay: .40s; }

/* hero load stagger */
.hero [data-load] { opacity: 0; transform: translateY(20px); animation: heroIn .9s var(--ease) forwards; }
.hero [data-load="1"] { animation-delay: .1s; }
.hero [data-load="2"] { animation-delay: .22s; }
.hero [data-load="3"] { animation-delay: .34s; }
.hero [data-load="4"] { animation-delay: .46s; }
.hero [data-load="5"] { animation-delay: .58s; }
@keyframes heroIn { to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) {
  [data-reveal], .hero [data-load] { opacity: 1 !important; transform: none !important; }
}

/* utility */
.stack-sm > * + * { margin-top: .8rem; }
.mt-1 { margin-top: 1rem; } .mt-2 { margin-top: 2rem; } .mt-3 { margin-top: 3rem; }
.center { text-align: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; flex-wrap: wrap; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.divider-row { display: flex; align-items: center; gap: 1.5rem; }
.divider-row .rule { flex: 1; }
.no-wrap { white-space: nowrap; }