/* Forem Investments — site styles (v3: brand blues from the Forem logo) */

/* ---------- Tokens ---------- */
:root {
  --navy-950: #070d2b;
  --navy-900: #0d1640;
  --navy-800: #1b2563;
  --blue-700: #24489b;
  --blue-600: #2f5fae;
  --blue-500: #2b7fd0;
  --cyan: #29abe2;
  --cyan-soft: #9cd8f3;
  --text: #121a3a;
  --text-2: #4a5470;
  --text-3: #66708b;
  --white: #ffffff;
  --tint: #f3f6fb;
  --tint-2: #e8eef8;
  --line: #e1e7f1;
  --line-strong: #c9d3e4;
  --on-dark: #ffffff;
  --on-dark-2: rgba(255, 255, 255, 0.78);
  --on-dark-3: rgba(255, 255, 255, 0.58);
  --line-dark: rgba(255, 255, 255, 0.14);
  --success: #1f7a4d;
  --danger: #b4412f;
  --brand-gradient: linear-gradient(100deg, var(--cyan) 0%, var(--blue-600) 52%, var(--navy-800) 100%);

  --font-head: "Plus Jakarta Sans", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --font-body: "Inter", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;

  --radius-sm: 10px;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow: 0 1px 2px rgba(13, 22, 64, 0.06), 0 18px 40px -22px rgba(13, 22, 64, 0.35);

  --container: 1200px;
  --gutter: clamp(16px, 4vw, 40px);
  --header-h: 76px;
  --section-y: clamp(64px, 8vw, 120px);
  --ease: cubic-bezier(0.2, 0.7, 0.2, 1);
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body { margin: 0; font-family: var(--font-body); font-size: 1rem; line-height: 1.65; color: var(--text); background: var(--white); -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
p, h1, h2, h3, h4, ul, ol, dl, dd, figure, address, blockquote { margin: 0; }
ul, ol { padding: 0; list-style: none; }
address { font-style: normal; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; background: none; border: 0; padding: 0; }
:focus-visible { outline: 2px solid var(--cyan); outline-offset: 3px; border-radius: 6px; }
::selection { background: var(--cyan-soft); color: var(--navy-900); }
body.menu-open { overflow: hidden; }
[hidden] { display: none !important; }

.skip-link { position: absolute; left: 16px; top: -100px; z-index: 100; padding: 10px 16px; border-radius: 8px; background: var(--navy-900); color: var(--white); font-weight: 600; transition: top 0.2s; }
.skip-link:focus { top: 16px; }

/* ---------- Layout ---------- */
.container { width: 100%; max-width: calc(var(--container) + var(--gutter) * 2); margin-inline: auto; padding-inline: var(--gutter); }
.container--narrow { max-width: calc(880px + var(--gutter) * 2); }
.section { position: relative; padding-block: var(--section-y); }
.section--white, .section--tint, .custodians { --veil: rgba(255, 255, 255, 0.86); --bg-photo: url("../img/photos/glass-facade.jpg"); background: linear-gradient(var(--veil), var(--veil)), var(--bg-photo) center / cover no-repeat; }
.section--tint { --veil: rgba(239, 244, 251, 0.84); --bg-photo: url("../img/photos/brickell-skyline.jpg"); }
main > .section--white:nth-of-type(4n + 1) { --bg-photo: url("../img/photos/towers-up-2.jpg"); }
main > .section--white:nth-of-type(4n + 3) { --bg-photo: url("../img/photos/glass-sky.jpg"); }
main > .section--tint:nth-of-type(4n) { --bg-photo: url("../img/photos/glass-towers.jpg"); }
main > .section--tint:nth-of-type(4n + 2) { --bg-photo: url("../img/photos/facade-white.jpg"); }
.custodians { --veil: rgba(255, 255, 255, 0.93); --bg-photo: url("../img/photos/towers-up-1.jpg"); }
@media (min-width: 1024px) and (hover: hover) {
  .section--white, .section--tint, .custodians, .site-footer, .facts-bar { background-attachment: fixed; }
}
.section--navy { background: var(--navy-900); color: var(--on-dark); }
.section--white .card, .section--tint .card, .section--white .stage, .section--tint .stage { background: rgba(255, 255, 255, 0.96); }
.section--stats { padding-block: clamp(40px, 5vw, 64px); }

.split { display: grid; gap: 40px; }
@media (min-width: 960px) {
  .split { grid-template-columns: 5fr 7fr; gap: 72px; align-items: start; }
  .split--media { grid-template-columns: 7fr 5fr; align-items: center; }
  .split--reverse { grid-template-columns: 5fr 7fr; }
  .split--map { grid-template-columns: 4fr 8fr; align-items: center; gap: 56px; }
}

/* ---------- Typography ---------- */
.eyebrow { display: inline-flex; align-items: center; gap: 10px; margin-bottom: 18px; font-family: var(--font-head); font-size: 0.75rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--blue-600); }
.eyebrow--light { color: var(--cyan-soft); }

.section-head { max-width: 760px; margin-bottom: clamp(36px, 5vw, 56px); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-title { font-family: var(--font-head); font-weight: 700; font-size: clamp(1.9rem, 1.3rem + 2.2vw, 3rem); line-height: 1.12; letter-spacing: -0.02em; text-wrap: balance; }
.section-title--sm { font-size: clamp(1.6rem, 1.2rem + 1.4vw, 2.2rem); }
.lead { margin-top: 18px; font-size: clamp(1.02rem, 0.98rem + 0.3vw, 1.15rem); line-height: 1.65; color: var(--text-2); text-wrap: pretty; }
.section--navy .lead { color: var(--on-dark-2); }
.section-link { margin-top: 28px; }
.mini-label { margin-bottom: 12px; font-family: var(--font-head); font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--text-3); }
.fineprint { margin-top: 20px; max-width: 760px; font-size: 0.78rem; line-height: 1.6; color: var(--text-3); }
.fineprint--wide { max-width: none; margin-top: 40px; }
.reg { margin-left: 0.04em; font-size: 0.6em; line-height: 0; vertical-align: 0.6em; }

/* ---------- Icons ---------- */
.icon { width: 22px; height: 22px; flex: none; }
.icon--sm { width: 18px; height: 18px; }
.icon--xs { width: 14px; height: 14px; }
.icon--flip { transform: scaleX(-1); }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 50px; padding: 0 24px; border: 1.5px solid transparent; border-radius: 12px; font-family: var(--font-head); font-size: 0.95rem; font-weight: 700; line-height: 1; white-space: nowrap; transition: background-color 0.2s, color 0.2s, border-color 0.2s, box-shadow 0.25s, transform 0.25s var(--ease); }
.btn .icon { width: 18px; height: 18px; transition: transform 0.25s var(--ease); }
.btn:hover .icon { transform: translateX(3px); }
.btn--sm { min-height: 42px; padding: 0 16px; gap: 8px; font-size: 0.86rem; border-radius: 10px; }
.btn--primary, .btn--dark { background: var(--navy-900); color: var(--white); }
.btn--primary:hover, .btn--dark:hover { background: var(--blue-700); }
.btn--accent { background: var(--brand-gradient); color: var(--white); box-shadow: 0 12px 30px -12px rgba(41, 171, 226, 0.7); }
.btn--accent:hover { transform: translateY(-1px); box-shadow: 0 16px 34px -12px rgba(41, 171, 226, 0.85); }
.btn--ghost { border-color: rgba(255, 255, 255, 0.55); color: var(--white); }
.btn--ghost:hover { background: rgba(255, 255, 255, 0.12); border-color: var(--white); }
.btn--light { background: var(--white); color: var(--navy-900); }
.btn--light:hover { background: var(--tint-2); }
.btn--outline { border-color: var(--line-strong); color: var(--navy-900); }
.btn--outline:hover { border-color: var(--navy-900); }
.text-link { display: inline-flex; align-items: center; gap: 6px; margin-top: 6px; font-weight: 600; color: var(--blue-600); }
.text-link:hover { color: var(--navy-900); }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; height: var(--header-h); background: rgba(255, 255, 255, 0.94); -webkit-backdrop-filter: saturate(160%) blur(14px); backdrop-filter: saturate(160%) blur(14px); border-bottom: 1px solid transparent; transition: border-color 0.3s, box-shadow 0.3s; }
.site-header.is-scrolled { border-bottom-color: var(--line); box-shadow: 0 10px 30px -24px rgba(13, 22, 64, 0.5); }
.site-header__inner { height: 100%; display: flex; align-items: center; gap: 24px; }
.logo { display: block; flex: none; margin-right: auto; }
.logo img { width: auto; height: 46px; }
.logo--light img { height: 52px; filter: brightness(0) invert(1); }
.nav__list { display: flex; align-items: center; gap: 2px; }
.nav__link { display: inline-flex; align-items: center; height: 40px; padding: 0 12px; border-radius: 10px; font-family: var(--font-head); font-size: 0.9rem; font-weight: 600; color: var(--text-2); transition: color 0.2s, background-color 0.2s; }
.nav__link:hover { color: var(--navy-900); background: var(--tint); }
.nav__link.is-active { color: var(--navy-900); background: var(--tint-2); }
.site-header__actions { display: flex; align-items: center; gap: 8px; }
.lang-switch { display: inline-flex; align-items: center; gap: 6px; height: 40px; padding: 0 10px; border-radius: 10px; font-family: var(--font-head); font-size: 0.82rem; font-weight: 700; letter-spacing: 0.04em; color: var(--text-2); transition: color 0.2s, background-color 0.2s; }
.lang-switch:hover { color: var(--navy-900); background: var(--tint); }
.menu-toggle { display: none; align-items: center; justify-content: center; width: 44px; height: 44px; border: 1px solid var(--line-strong); border-radius: 12px; color: var(--navy-900); }
.menu-toggle .icon--close { display: none; }
.menu-toggle[aria-expanded="true"] .icon--menu { display: none; }
.menu-toggle[aria-expanded="true"] .icon--close { display: block; }

.mobile-menu { position: fixed; inset: var(--header-h) 0 0; z-index: 49; overflow-y: auto; padding: 12px var(--gutter) 40px; background: var(--white); opacity: 0; visibility: hidden; transform: translateY(-8px); transition: opacity 0.25s var(--ease), transform 0.25s var(--ease), visibility 0s 0.25s; }
.mobile-menu.is-open { opacity: 1; visibility: visible; transform: none; transition: opacity 0.25s var(--ease), transform 0.25s var(--ease), visibility 0s; }
.mobile-menu nav { display: grid; border-top: 1px solid var(--line); }
.mobile-menu__link { padding: 14px 0; border-bottom: 1px solid var(--line); font-family: var(--font-head); font-size: 1.35rem; font-weight: 700; color: var(--navy-900); }
.mobile-menu__link.is-active { color: var(--blue-600); }
.mobile-menu__actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px; padding-top: 24px; }
.mobile-menu__contact { display: grid; gap: 6px; margin-top: 24px; color: var(--text-2); }

@media (max-width: 1140px) {
  .nav, .site-header__login { display: none; }
  .menu-toggle { display: inline-flex; }
  .logo img { height: 40px; }
}
@media (min-width: 1141px) { .mobile-menu { display: none; } }

/* ---------- Heroes ---------- */
.hero, .page-hero { position: relative; isolation: isolate; overflow: hidden; color: var(--on-dark); background: var(--navy-950); }
.hero__img, .page-hero__img { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; }
.hero__shade, .page-hero__shade { position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(7, 13, 43, 0.94) 0%, rgba(13, 22, 64, 0.82) 42%, rgba(27, 37, 99, 0.35) 100%); }
.hero__shade::after, .page-hero__shade::after { content: ""; position: absolute; inset: auto 0 0; height: 5px; background: var(--brand-gradient); }
.hero { display: flex; align-items: center; min-height: min(calc(100svh - var(--header-h)), 820px); }
.hero__img { object-position: 60% 50%; }
.hero__inner { padding-block: clamp(64px, 10vh, 120px); }
.hero__title { max-width: 820px; font-family: var(--font-head); font-weight: 800; font-size: clamp(2.5rem, 1.5rem + 4.2vw, 4.75rem); line-height: 1.04; letter-spacing: -0.03em; text-wrap: balance; }
.hero__lead { max-width: 640px; margin-top: 24px; font-size: clamp(1.05rem, 1rem + 0.4vw, 1.25rem); line-height: 1.6; color: var(--on-dark-2); }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 36px; }
.hero__badges { display: flex; flex-wrap: wrap; gap: 10px 24px; margin-top: 40px; font-family: var(--font-head); font-size: 0.9rem; font-weight: 600; color: var(--on-dark-2); }
.hero__badges li { display: inline-flex; align-items: center; gap: 8px; }
.hero__badges .icon { color: var(--cyan); }
.hero__title, .hero__lead, .hero__actions, .hero__badges, .hero .eyebrow { animation: rise 0.8s var(--ease) both; }
.hero__lead { animation-delay: 0.08s; }
.hero__actions { animation-delay: 0.16s; }
.hero__badges { animation-delay: 0.24s; }
@keyframes rise { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }

.page-hero__inner { padding-block: clamp(64px, 9vw, 120px); }
.page-hero__title { max-width: 860px; font-family: var(--font-head); font-weight: 800; font-size: clamp(2.2rem, 1.4rem + 3.4vw, 3.9rem); line-height: 1.06; letter-spacing: -0.025em; text-wrap: balance; }
.page-hero__lead { max-width: 700px; margin-top: 20px; font-size: clamp(1.02rem, 1rem + 0.35vw, 1.2rem); color: var(--on-dark-2); }
.page-hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }

/* ---------- Custodian logos ---------- */
.custodians { padding-block: 28px; border-bottom: 1px solid var(--line); }
.custodians__inner { display: grid; gap: 18px; align-items: center; }
@media (min-width: 1240px) { .custodians__inner { grid-template-columns: 190px 1fr; gap: 32px; } }
.custodians__label { font-size: 0.82rem; line-height: 1.45; color: var(--text-3); }
.custodians__logos { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px 28px; align-items: center; }
@media (min-width: 640px) { .custodians__logos { grid-template-columns: repeat(4, 1fr); } }
@media (min-width: 1000px) { .custodians__logos { grid-template-columns: repeat(7, 1fr); } }
.custodians__logos li { display: grid; place-items: center; height: 44px; }
.custodians__logos img { max-height: 32px; width: auto; max-width: 100%; object-fit: contain; mix-blend-mode: multiply; transition: transform 0.25s var(--ease); }
.custodians__logos li:hover img { transform: scale(1.06); }

/* ---------- Stats ---------- */
.stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px 24px; }
@media (min-width: 900px) { .stats { grid-template-columns: repeat(4, 1fr); } }
.stat { display: flex; flex-direction: column-reverse; justify-content: flex-end; padding-top: 18px; border-top: 2px solid var(--line); }
.stat__value { font-family: var(--font-head); font-size: clamp(2rem, 1.5rem + 1.6vw, 3rem); font-weight: 800; line-height: 1; letter-spacing: -0.03em; background: var(--brand-gradient); -webkit-background-clip: text; background-clip: text; color: transparent; }
.stat__label { margin-top: 10px; font-size: 0.9rem; line-height: 1.45; color: var(--text-2); }

/* ---------- Client map ---------- */
.section--map { overflow: hidden; background: radial-gradient(60% 80% at 75% 40%, rgba(47, 95, 174, 0.35), transparent 70%), linear-gradient(rgba(13, 22, 64, 0.93), rgba(13, 22, 64, 0.95)), url("../img/photos/brickell-skyline.jpg") center / cover no-repeat; }
.map__canvas { position: relative; width: 100%; }
.map__land, .map__overlay { position: absolute; inset: 0; width: 100%; height: 100%; }
.map__country { fill: rgba(41, 171, 226, 0.55); stroke: rgba(156, 216, 243, 0.9); stroke-width: 0.6; cursor: pointer; transition: fill 0.2s; }
.map__country.is-active, .map__country:hover { fill: var(--cyan); }
.map__arc { fill: none; stroke: var(--cyan-soft); stroke-width: 1.1; stroke-linecap: round; opacity: 0.55; stroke-dasharray: 1; stroke-dashoffset: 0; transition: opacity 0.2s, stroke-width 0.2s; }
.map__arc.is-active { opacity: 1; stroke-width: 2; stroke: var(--white); }
.map__dot { fill: var(--white); stroke: var(--cyan); stroke-width: 1.4; pointer-events: none; }
.map__hq-dot { fill: var(--cyan); stroke: var(--white); stroke-width: 2; }
.map__pulse { fill: none; stroke: var(--cyan); stroke-width: 1.5; transform-box: fill-box; transform-origin: center; animation: pulse 2.6s ease-out infinite; }
.map__pulse--2 { animation-delay: 1.3s; }
@keyframes pulse { from { opacity: 0.9; transform: scale(1); } to { opacity: 0; transform: scale(4.2); } }
.reveal-ready .map:not(.is-drawn) .map__arc { stroke-dashoffset: 1; }
.map.is-drawn .map__arc { transition: stroke-dashoffset 1.6s var(--ease), opacity 0.2s, stroke-width 0.2s; }
.map__tip { position: absolute; z-index: 2; transform: translate(-50%, calc(-100% - 12px)); padding: 6px 12px; border-radius: 8px; background: var(--white); color: var(--navy-900); font-family: var(--font-head); font-size: 0.82rem; font-weight: 700; white-space: nowrap; box-shadow: var(--shadow); pointer-events: none; }
.map__hq-label { position: absolute; transform: translate(10px, 2px); font-family: var(--font-head); font-size: 0.7rem; font-weight: 700; letter-spacing: 0.06em; color: var(--cyan-soft); white-space: nowrap; pointer-events: none; }
.map__legend { margin-top: 22px; }
.map__legend-title { margin-bottom: 12px; font-family: var(--font-head); font-size: 0.74rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--on-dark-3); }
.map__chips { display: flex; flex-wrap: wrap; gap: 8px; }
.map__chip { padding: 7px 14px; border: 1px solid var(--line-dark); border-radius: 999px; font-size: 0.86rem; font-weight: 500; color: var(--on-dark-2); transition: background-color 0.2s, color 0.2s, border-color 0.2s; }
.map__chip:hover, .map__chip[aria-pressed="true"] { background: var(--cyan); border-color: var(--cyan); color: var(--navy-950); }
.map__note { margin-top: 14px; font-size: 0.82rem; color: var(--on-dark-3); }
.map__disclaimer { margin-top: 8px; font-size: 0.74rem; line-height: 1.5; color: var(--on-dark-3); }
@media (hover: none) { .map__hint { display: none; } }

/* ---------- Stages & feature cards ---------- */
.stages { display: grid; gap: 18px; }
@media (min-width: 700px) { .stages { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .stages { grid-template-columns: repeat(4, 1fr); } .stages--3 { grid-template-columns: repeat(3, 1fr); } }
.stage { position: relative; display: flex; flex-direction: column; gap: 12px; padding: 28px; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--white); transition: transform 0.3s var(--ease), box-shadow 0.3s, border-color 0.3s; }
.section--tint .stage { background: var(--white); }
.stage:hover { transform: translateY(-4px); border-color: transparent; box-shadow: var(--shadow); }
.stage__icon { display: inline-grid; place-items: center; width: 52px; height: 52px; margin-bottom: 6px; border-radius: 14px; background: var(--brand-gradient); color: var(--white); }
.stage__num { position: absolute; top: 26px; right: 28px; font-family: var(--font-head); font-weight: 700; color: var(--line-strong); }
.stage__title { font-family: var(--font-head); font-size: 1.2rem; font-weight: 700; line-height: 1.25; }
.stage__text { font-size: 0.95rem; color: var(--text-2); }

.pillars { display: grid; gap: 0; border-top: 1px solid var(--line); }
@media (min-width: 640px) { .pillars { grid-template-columns: repeat(2, 1fr); column-gap: 32px; } }
.pillar { padding: 24px 0; border-bottom: 1px solid var(--line); }
.pillar-num, .step-num, .principle-num, .process-step-num, .mini-step-num { font-family: var(--font-head); font-size: 0.85rem; font-weight: 800; color: var(--blue-600); }
.pillar-title { margin-top: 8px; font-family: var(--font-head); font-size: 1.12rem; font-weight: 700; }
.pillar-text { margin-top: 6px; font-size: 0.95rem; color: var(--text-2); }

.media-figure { overflow: hidden; border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.media-figure img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; }
.media-figure--small { margin-top: 32px; }
.media-figure--small img { aspect-ratio: 16 / 10; }
.portrait { overflow: hidden; max-width: 440px; border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.portrait img { width: 100%; height: auto; aspect-ratio: 1; object-fit: cover; }
.leader-role { margin-top: 6px; font-family: var(--font-head); font-weight: 600; color: var(--blue-600); }

.cards { display: grid; gap: 18px; }
@media (min-width: 800px) { .cards--3 { grid-template-columns: repeat(3, 1fr); } .cards--4 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .cards--4 { grid-template-columns: repeat(4, 1fr); } }
.card { padding: 30px; border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); }
.card__title { font-family: var(--font-head); font-size: 1.2rem; font-weight: 700; }
.card__text { margin-top: 10px; color: var(--text-2); }

/* ---------- CTA band ---------- */
.cta-band { position: relative; isolation: isolate; overflow: hidden; color: var(--on-dark); background: var(--navy-950); }
.cta-band__img { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; }
.cta-band__shade { position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(7, 13, 43, 0.95), rgba(27, 37, 99, 0.78)); }
.cta-band__inner { padding-block: clamp(64px, 8vw, 104px); }
.cta-band__title { max-width: 720px; font-family: var(--font-head); font-size: clamp(1.9rem, 1.3rem + 2.4vw, 3.1rem); font-weight: 800; line-height: 1.1; letter-spacing: -0.02em; text-wrap: balance; }
.cta-band__text { max-width: 580px; margin-top: 16px; color: var(--on-dark-2); }
.cta-band__actions { display: flex; flex-wrap: wrap; align-items: center; gap: 16px 28px; margin-top: 32px; }
.cta-band__phone { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-head); font-weight: 700; }
.cta-band__phone:hover { color: var(--cyan-soft); }

/* ---------- Philosophy ---------- */
.facts-bar { background: linear-gradient(rgba(7, 13, 43, 0.9), rgba(7, 13, 43, 0.9)), url("../img/photos/towers-up-1.jpg") center / cover no-repeat; color: var(--on-dark); }
.facts { display: grid; grid-template-columns: repeat(2, 1fr); }
@media (min-width: 800px) { .facts { grid-template-columns: repeat(4, 1fr); } }
.facts > div { padding: 22px 16px 22px 0; }
.facts dt { font-family: var(--font-head); font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--cyan-soft); }
.facts dd { margin-top: 4px; font-family: var(--font-head); font-size: 1.15rem; font-weight: 700; }
.principles { display: grid; gap: 28px; }
.principle { padding-left: 20px; border-left: 3px solid var(--tint-2); }
.principle-title { margin-top: 6px; font-family: var(--font-head); font-size: 1.2rem; font-weight: 700; }
.principle-text { margin-top: 8px; color: var(--text-2); }

.fee-cards { display: grid; gap: 18px; }
@media (min-width: 800px) { .fee-cards { grid-template-columns: 1fr 1fr; } }
.fee-card { padding: 28px; border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); }
.fee-card--dark { background: var(--navy-900); border-color: var(--navy-900); color: var(--on-dark); }
.fee-card__label { margin-bottom: 10px; font-family: var(--font-head); font-size: 0.74rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--text-3); }
.fee-card--dark .fee-card__label { color: var(--cyan-soft); }
.fee-card__row, .fee-card__total { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 12px 0; font-size: 0.95rem; }
.fee-card__row { border-bottom: 1px solid var(--line); }
.fee-card--dark .fee-card__row { border-bottom-color: var(--line-dark); }
.fee-card__row strong, .fee-card__total strong { font-family: var(--font-head); text-align: right; }
.fee-card__total { padding-top: 16px; font-weight: 600; }
.fee-card__total strong { font-size: 1.2rem; }

.calc { margin-top: 56px; padding: clamp(24px, 4vw, 44px); border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); }
.calc__title { font-family: var(--font-head); font-size: clamp(1.35rem, 1.1rem + 1vw, 1.8rem); font-weight: 800; letter-spacing: -0.015em; }
.calc__text { margin-top: 10px; max-width: 640px; color: var(--text-2); }
.calc__grid { display: grid; gap: 20px 32px; margin-top: 28px; }
@media (min-width: 760px) { .calc__grid { grid-template-columns: 1fr 1fr; } .calc__grid .slider:last-child { grid-column: 1 / -1; } }
.slider__head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-bottom: 8px; }
.slider label { font-size: 0.88rem; font-weight: 600; color: var(--text-2); }
.slider output { font-family: var(--font-head); font-weight: 800; color: var(--navy-900); }
.slider input { width: 100%; accent-color: var(--blue-600); cursor: pointer; }
.calc__chart { position: relative; margin-top: 28px; height: 280px; }
.calc__chart svg { width: 100%; height: 100%; overflow: visible; }
.chart__grid { stroke: var(--line); stroke-width: 1; }
.chart__tick { fill: var(--text-3); font: 500 11px var(--font-body); }
.chart__high { fill: none; stroke: #9aa5bd; stroke-width: 2.5; }
.chart__low { fill: none; stroke: var(--blue-600); stroke-width: 3; }
.chart__gap { fill: rgba(41, 171, 226, 0.14); }
.chart__legend { fill: var(--text-2); font: 600 12px var(--font-body); }
.calc__results { display: grid; gap: 12px; margin-top: 24px; }
@media (min-width: 700px) { .calc__results { grid-template-columns: repeat(3, 1fr); } }
.metric { padding: 14px 16px; border-radius: var(--radius-sm); background: var(--tint); }
.metric--dark { background: var(--navy-900); color: var(--on-dark); }
.metric__label { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-3); }
.metric--dark .metric__label { color: var(--cyan-soft); }
.metric__value { margin-top: 4px; font-family: var(--font-head); font-size: 1.25rem; font-weight: 800; }

/* ---------- Services ---------- */
.feature-grid { display: grid; gap: 16px; }
@media (min-width: 640px) { .feature-grid { grid-template-columns: 1fr 1fr; } }
.feature { padding: 24px; border-radius: var(--radius); background: var(--tint); }
.feature__title { font-family: var(--font-head); font-size: 1.1rem; font-weight: 700; }
.feature__text { margin-top: 8px; font-size: 0.94rem; color: var(--text-2); }
.mini-label + .mini-steps { margin-top: 0; }
.feature-grid + .mini-label { margin-top: 32px; }
.mini-steps { display: grid; gap: 16px; }
@media (min-width: 640px) { .mini-steps { grid-template-columns: repeat(4, 1fr); } }
.mini-step { padding-top: 12px; border-top: 2px solid var(--navy-900); }
.mini-step-title { margin-top: 4px; font-family: var(--font-head); font-size: 0.98rem; font-weight: 700; }
.mini-step-text { margin-top: 4px; font-size: 0.86rem; color: var(--text-2); }
.row-cards { display: grid; gap: 14px; }
.row-card { padding: 22px 24px; border-radius: var(--radius); background: var(--white); border: 1px solid var(--line); }
.row-card__title { font-family: var(--font-head); font-size: 1.08rem; font-weight: 700; }
.row-card__text { margin-top: 6px; font-size: 0.95rem; color: var(--text-2); }
.row-card--icon { display: grid; grid-template-columns: 44px 1fr; gap: 16px; align-items: start; }
.row-card__icon { width: 44px; height: 44px; padding: 10px; border-radius: 12px; background: var(--brand-gradient); color: var(--white); }

.compare { overflow: hidden; border-radius: var(--radius-lg); background: rgba(255, 255, 255, 0.97); border: 1px solid var(--line); box-shadow: var(--shadow); }
.compare__row { display: grid; gap: 6px 24px; padding: 18px 24px; border-top: 1px solid var(--line); }
.compare__row--head { display: none; }
.compare__topic { font-family: var(--font-head); font-weight: 700; }
.compare__us, .compare__bank { display: flex; flex-wrap: wrap; align-items: baseline; gap: 4px 8px; font-size: 0.95rem; }
.compare__us { color: var(--text); }
.compare__us .icon { flex: none; align-self: center; color: var(--cyan); }
.compare__bank { color: var(--text-3); }
.compare__tag { width: 100%; font-family: var(--font-head); font-size: 0.7rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-3); }
.compare__us .compare__tag { color: var(--blue-600); }
.compare__us > span:last-child, .compare__bank > span:last-child { flex: 1; min-width: 0; }
@media (min-width: 860px) {
  .compare__row { grid-template-columns: 1fr 1.4fr 1.4fr; align-items: start; }
  .compare__row:first-child { border-top: 0; }
  .compare__row--head { display: grid; background: var(--navy-900); color: var(--white); font-family: var(--font-head); font-weight: 800; }
  .compare__row--head .compare__us { color: var(--cyan-soft); }
  .compare__row--head .compare__bank { color: var(--on-dark-2); }
  .compare__tag { display: none; }
  .compare__us { flex-wrap: nowrap; background: none; }
}
.lists { display: grid; gap: 16px; }
@media (min-width: 640px) { .lists { grid-template-columns: 1fr 1fr; } }
.list-card { padding: 24px; border-radius: var(--radius); background: var(--tint); }
.list-card__title { margin-bottom: 14px; font-family: var(--font-head); font-size: 1.05rem; font-weight: 700; }
.checklist { display: grid; gap: 10px; }
.checklist li { display: grid; grid-template-columns: 18px 1fr; gap: 10px; font-size: 0.95rem; color: var(--text-2); }
.checklist .icon { margin-top: 0.2em; color: var(--blue-600); }
.comp-rows { display: grid; gap: 10px; }
.comp-row { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 16px 20px; border-radius: var(--radius-sm); background: var(--white); border: 1px solid var(--line); font-size: 0.95rem; }
.comp-row strong { font-family: var(--font-head); }
.comp-row--dark { background: var(--navy-900); border-color: var(--navy-900); color: var(--on-dark); }

/* ---------- Portfolios ---------- */
.quiz { padding: clamp(24px, 4vw, 44px); border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow); }
.quiz__top { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 8px 16px; }
.quiz__progress { font-family: var(--font-head); font-size: 0.75rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-3); }
.quiz__intro { margin-top: 10px; color: var(--text-2); }
.quiz__noscript { margin-top: 16px; padding: 14px 16px; border-radius: var(--radius-sm); background: var(--tint); }
.quiz__stage { margin-top: 28px; }
.quiz__question { font-family: var(--font-head); font-size: 1.2rem; font-weight: 700; line-height: 1.35; }
.quiz__options { display: grid; gap: 10px; margin-top: 18px; }
.quiz__option { padding: 15px 18px; border: 1.5px solid var(--line); border-radius: var(--radius-sm); background: var(--white); font-size: 0.98rem; text-align: left; transition: border-color 0.15s, background-color 0.15s, color 0.15s; }
.quiz__option:hover { border-color: var(--blue-600); background: var(--tint); }
.quiz__option.is-selected { border-color: var(--navy-900); background: var(--navy-900); color: var(--white); }
.quiz__nav { display: flex; align-items: center; gap: 20px; margin-top: 22px; }
.quiz__back { display: inline-flex; align-items: center; gap: 6px; font-size: 0.9rem; font-weight: 600; color: var(--text-2); }
.quiz__back[disabled] { visibility: hidden; }
.quiz__bar { flex: 1; height: 4px; overflow: hidden; border-radius: 4px; background: var(--tint-2); }
.quiz__bar span { display: block; height: 100%; width: 0; background: var(--brand-gradient); transition: width 0.3s var(--ease); }
.quiz__result { margin-top: 28px; }
.quiz__result-title { font-family: var(--font-head); font-size: clamp(1.8rem, 1.4rem + 1.5vw, 2.4rem); font-weight: 800; background: var(--brand-gradient); -webkit-background-clip: text; background-clip: text; color: transparent; }
.quiz__result-text { margin-top: 10px; max-width: 640px; color: var(--text-2); }
.quiz__result-metrics { display: grid; gap: 10px; margin-top: 20px; }
@media (min-width: 640px) { .quiz__result-metrics { grid-template-columns: repeat(3, 1fr); } }
.quiz__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }

.explorer__label { display: block; margin-bottom: 10px; font-family: var(--font-head); font-size: 0.78rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--text-3); }
.explorer__select { width: 100%; max-width: 560px; min-height: 54px; padding: 0 44px 0 16px; border: 1.5px solid var(--line-strong); border-radius: var(--radius-sm); background: var(--white) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230d1640' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") no-repeat right 16px center / 18px; font-family: var(--font-head); font-weight: 700; -webkit-appearance: none; appearance: none; }
.profile { margin-top: 36px; }
.profile__head { display: grid; gap: 24px; padding-bottom: 32px; border-bottom: 1px solid var(--line); }
@media (min-width: 900px) { .profile__head { grid-template-columns: 1fr 1fr; gap: 48px; } }
.profile__title { font-family: var(--font-head); font-size: clamp(1.8rem, 1.4rem + 1.4vw, 2.4rem); font-weight: 800; letter-spacing: -0.02em; }
.profile__summary { margin-top: 10px; color: var(--text-2); }
.profile__metrics { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; align-content: start; }
.profile__body { display: grid; gap: 36px; padding-block: 32px; border-bottom: 1px solid var(--line); }
@media (min-width: 900px) { .profile__body { grid-template-columns: 1fr 1fr; gap: 48px; } }
.allocation { display: grid; gap: 24px; align-items: center; }
@media (min-width: 520px) { .allocation { grid-template-columns: 180px 1fr; } }
.donut { width: 180px; height: 180px; margin-inline: auto; transform: rotate(0deg); }
.legend { display: grid; gap: 10px; font-size: 0.92rem; }
.legend li { display: grid; grid-template-columns: 12px 1fr auto; gap: 10px; align-items: center; }
.legend__swatch { width: 12px; height: 12px; border-radius: 3px; }
.legend__label { color: var(--text-2); }
.legend strong { font-family: var(--font-head); }
.exposures { display: grid; gap: 8px; }
@media (min-width: 520px) { .exposures { grid-template-columns: 1fr 1fr; } }
.exposures li { padding: 10px 14px; border-radius: var(--radius-sm); background: var(--tint); }
.exposures strong { display: block; font-family: var(--font-head); font-size: 0.88rem; }
.exposures span { display: block; margin-top: 2px; font-size: 0.78rem; color: var(--text-3); }
.profile > .mini-label { margin-top: 32px; }
.bars { display: grid; gap: 10px; }
.bars li { display: grid; grid-template-columns: minmax(120px, 260px) 1fr 44px; gap: 14px; align-items: center; font-size: 0.9rem; }
.bars__label { color: var(--text-2); }
.bars__track { height: 8px; overflow: hidden; border-radius: 8px; background: var(--tint-2); }
.bars__fill { display: block; height: 100%; border-radius: 8px; background: var(--brand-gradient); }
.bars strong { font-family: var(--font-head); text-align: right; }
@media (max-width: 520px) { .bars li { grid-template-columns: 1fr 44px; } .bars__track { grid-column: 1 / -1; grid-row: 2; } }
.profile__construction { max-width: 820px; color: var(--text-2); }

/* ---------- Global clients ---------- */
.steps { display: grid; gap: 20px; }
@media (min-width: 900px) { .steps { grid-template-columns: repeat(4, 1fr); } }
.step { padding: 26px; border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); }
.step-title { margin-top: 10px; font-family: var(--font-head); font-size: 1.1rem; font-weight: 700; }
.step-text { margin-top: 6px; font-size: 0.94rem; color: var(--text-2); }
.faq { display: grid; gap: 10px; }
.faq__item { border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.faq__item summary { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 22px; cursor: pointer; list-style: none; font-family: var(--font-head); font-weight: 700; }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary .icon { color: var(--blue-600); transition: transform 0.25s var(--ease); }
.faq__item[open] summary .icon { transform: rotate(45deg); }
.faq__item p { padding: 0 22px 20px; color: var(--text-2); }

/* ---------- Team ---------- */
.member { display: grid; gap: 32px; }
@media (min-width: 900px) { .member { grid-template-columns: 300px 1fr; gap: 64px; align-items: start; } }
.member__photo { overflow: hidden; max-width: 320px; border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow); }
@media (min-width: 900px) { .member__photo { position: sticky; top: calc(var(--header-h) + 24px); } }
.member__photo img { width: 100%; height: auto; aspect-ratio: 1; object-fit: cover; object-position: 50% 20%; }
.member__photo figcaption { padding: 14px 18px; font-family: var(--font-head); font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--blue-600); }
.member__name { font-family: var(--font-head); font-size: clamp(1.9rem, 1.4rem + 1.6vw, 2.6rem); font-weight: 800; letter-spacing: -0.02em; }
.member__subtitle { margin-top: 6px; margin-bottom: 20px; font-family: var(--font-head); font-weight: 600; color: var(--blue-600); }
.member__bio { margin-top: 14px; color: var(--text-2); }
.member__blocks { display: grid; gap: 24px; margin-top: 32px; padding-top: 28px; border-top: 1px solid var(--line); }
@media (min-width: 640px) { .member__blocks { grid-template-columns: 1fr 1fr; } }
.member__blocks ul { display: grid; gap: 4px; font-size: 0.94rem; }

/* ---------- Contact ---------- */
.contact { display: grid; gap: 48px; }
@media (min-width: 1000px) { .contact { grid-template-columns: 7fr 5fr; gap: 64px; align-items: start; } }
.form { padding: clamp(24px, 4vw, 40px); border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); }
.form__grid { display: grid; gap: 18px; }
@media (min-width: 640px) { .form__grid { grid-template-columns: 1fr 1fr; } .field--full { grid-column: 1 / -1; } }
.field { display: grid; gap: 8px; }
.field label { font-size: 0.86rem; font-weight: 600; }
.field input, .field select, .field textarea { width: 100%; min-height: 50px; padding: 12px 14px; border: 1.5px solid var(--line-strong); border-radius: var(--radius-sm); background: var(--white); font-size: 1rem; -webkit-appearance: none; appearance: none; transition: border-color 0.2s, box-shadow 0.2s; }
.field textarea { min-height: 130px; resize: vertical; }
.field select { padding-right: 40px; background: var(--white) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230d1640' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") no-repeat right 14px center / 18px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue-600); box-shadow: 0 0 0 4px rgba(47, 95, 174, 0.15); }
.field input:user-invalid, .field select:user-invalid { border-color: var(--danger); }
.form__hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.form__note { margin-top: 16px; font-size: 0.82rem; color: var(--text-3); }
.form__footer { display: flex; flex-wrap: wrap; align-items: center; gap: 16px; margin-top: 22px; }
.form__status { font-weight: 500; }
.form__status[data-state="success"] { color: var(--success); }
.form__status[data-state="error"] { color: var(--danger); }
.form.is-sending [type="submit"] { opacity: 0.6; pointer-events: none; }
.process { display: grid; gap: 18px; margin-top: 24px; }
.process-step { display: grid; grid-template-columns: 36px 1fr; column-gap: 12px; }
.process-step-num { grid-row: span 2; padding-top: 2px; }
.process-step-title { font-family: var(--font-head); font-size: 1.02rem; font-weight: 700; }
.process-step-text { font-size: 0.92rem; color: var(--text-2); }
.office { margin-top: 32px; padding: 24px; border-radius: var(--radius); background: var(--tint); }
.office__title { margin-bottom: 14px; font-family: var(--font-head); font-size: 1.05rem; font-weight: 700; }
.office ul { display: grid; gap: 14px; }
.office li { display: grid; grid-template-columns: 18px 1fr; gap: 12px; }
.office .icon { margin-top: 0.25em; color: var(--blue-600); }
.office small { display: block; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-3); }
.office a:not(.text-link) { font-weight: 600; overflow-wrap: break-word; }

/* ---------- Footer ---------- */
.site-footer { padding: clamp(56px, 7vw, 88px) 0 28px; background: linear-gradient(rgba(7, 13, 43, 0.95), rgba(7, 13, 43, 0.97)), url("../img/photos/brickell-skyline.jpg") center / cover no-repeat; color: var(--on-dark-2); font-size: 0.93rem; }
.site-footer__top { display: grid; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid var(--line-dark); }
@media (min-width: 1000px) { .site-footer__top { grid-template-columns: 1fr 2fr; gap: 64px; } }
.site-footer__brand { display: grid; align-content: start; justify-items: start; gap: 18px; }
.site-footer__brand .logo { margin: 0; }
.site-footer__brand p { max-width: 340px; }
.site-footer__cols { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 32px 24px; }
.site-footer__cols > :last-child { grid-column: 1 / -1; }
@media (min-width: 760px) { .site-footer__cols { grid-template-columns: repeat(3, minmax(0, 1fr)); } .site-footer__cols > :last-child { grid-column: auto; } }
.site-footer__heading { margin-bottom: 14px; font-family: var(--font-head); font-size: 0.74rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--cyan-soft); }
.site-footer__cols ul { display: grid; gap: 9px; }
.site-footer__cols a { overflow-wrap: break-word; transition: color 0.2s; }
.site-footer__cols a:hover { color: var(--white); }
.site-footer__disclosure { max-width: 1040px; padding-block: 28px; font-size: 0.78rem; line-height: 1.7; color: var(--on-dark-3); }
.site-footer__disclosure a { color: var(--on-dark-2); text-decoration: underline; text-underline-offset: 3px; }
.site-footer__bottom { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px; padding-top: 20px; border-top: 1px solid var(--line-dark); font-size: 0.82rem; color: var(--on-dark-3); }
.site-footer__bottom .lang-switch { color: var(--on-dark-2); }
.site-footer__bottom .lang-switch:hover { background: rgba(255, 255, 255, 0.08); color: var(--white); }
.site-footer__version { opacity: 0.7; }

/* ---------- Reveal on scroll (enabled by site.js) ---------- */
.reveal-ready [data-reveal] { transition: opacity 0.8s var(--ease), transform 0.8s var(--ease); }
.reveal-ready [data-reveal]:not(.is-visible) { opacity: 0; transform: translateY(20px); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; animation-delay: 0s !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; transition-delay: 0s !important; scroll-behavior: auto !important; }
  .map__pulse { display: none; }
}

/* ---------- Print: dark text on white, every section visible ---------- */
@media print {
  .site-header, .mobile-menu, .skip-link, .hero__img, .page-hero__img, .cta-band__img, .cta-band__actions, .map, .calc, .quiz { display: none !important; }
  .reveal-ready [data-reveal] { opacity: 1 !important; transform: none !important; }
  .hero, .page-hero, .cta-band, .section--navy, .facts-bar, .site-footer { background: #fff !important; color: #000 !important; }
  .hero *, .page-hero *, .cta-band *, .section--navy *, .facts-bar *, .site-footer * { color: #000 !important; }
  .profile[hidden] { display: block !important; }
}

/* ---------- Life stages timeline (home, global clients) ---------- */
.section--life { overflow: hidden; color: var(--on-dark); background: linear-gradient(100deg, rgba(7, 13, 43, 0.95) 0%, rgba(13, 22, 64, 0.88) 50%, rgba(27, 37, 99, 0.8) 100%), url("../img/photos/glass-towers.jpg") center / cover no-repeat; }
.section--life .lead { color: var(--on-dark-2); }
@media (min-width: 960px) { .split--life { grid-template-columns: 5fr 7fr; align-items: center; } .life__intro { position: sticky; top: calc(var(--header-h) + 40px); align-self: start; } }
.life { position: relative; display: grid; gap: 14px; }
.life::before { content: ""; position: absolute; top: 28px; bottom: 28px; left: 27px; width: 2px; border-radius: 2px; background: linear-gradient(180deg, var(--cyan), var(--blue-600) 60%, rgba(255, 255, 255, 0.15)); }
.life__item { position: relative; display: grid; grid-template-columns: 56px 1fr; gap: 20px; align-items: start; }
.life__marker { position: relative; z-index: 1; display: inline-grid; place-items: center; width: 56px; height: 56px; border-radius: 50%; background: var(--navy-950); border: 2px solid var(--cyan); color: var(--cyan); box-shadow: 0 0 0 6px rgba(41, 171, 226, 0.12); transition: background-color 0.3s, color 0.3s, transform 0.3s var(--ease); }
.life__body { padding: 20px 24px; border: 1px solid var(--line-dark); border-radius: var(--radius-lg); background: rgba(255, 255, 255, 0.06); -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px); transition: background-color 0.3s, border-color 0.3s, transform 0.3s var(--ease); }
.life__item:hover .life__body { background: rgba(255, 255, 255, 0.12); border-color: rgba(156, 216, 243, 0.45); transform: translateX(4px); }
.life__item:hover .life__marker { background: var(--cyan); color: var(--navy-950); transform: scale(1.06); }
.life__age { font-family: var(--font-head); font-size: 0.74rem; font-weight: 800; letter-spacing: 0.14em; text-transform: uppercase; color: var(--cyan-soft); }
.life__title { margin-top: 4px; font-family: var(--font-head); font-size: 1.25rem; font-weight: 700; }
.life__text { margin-top: 6px; font-size: 0.95rem; color: var(--on-dark-2); }

/* ---------- Model portfolio teaser (home) ---------- */
.section-head--row { display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between; gap: 24px 48px; max-width: none; }
.section-head--row > div { max-width: 720px; }
.model-cards { display: grid; gap: 18px; }
@media (min-width: 860px) { .model-cards { grid-template-columns: repeat(3, 1fr); } }
.model-card { display: flex; flex-direction: column; padding: 28px; border: 1px solid var(--line); border-radius: var(--radius-lg); background: rgba(255, 255, 255, 0.97); transition: transform 0.3s var(--ease), box-shadow 0.3s, border-color 0.3s; }
.model-card:hover { transform: translateY(-4px); border-color: transparent; box-shadow: var(--shadow); }
.model-card__chart { position: relative; width: 150px; height: 150px; margin: 0 auto 20px; }
.model-card__chart .donut { width: 150px; height: 150px; }
.model-card__equity { position: absolute; inset: 0; display: grid; place-content: center; text-align: center; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-3); }
.model-card__equity strong { font-family: var(--font-head); font-size: 1.35rem; letter-spacing: -0.02em; text-transform: none; color: var(--navy-900); }
.model-card__title { font-family: var(--font-head); font-size: 1.45rem; font-weight: 800; letter-spacing: -0.02em; }
.model-card__objective { margin-top: 4px; font-size: 0.9rem; color: var(--blue-600); font-weight: 600; }
.model-card__legend { display: grid; gap: 8px; margin-top: 18px; padding-top: 16px; border-top: 1px solid var(--line); font-size: 0.86rem; color: var(--text-2); }
.model-card__legend li { display: grid; grid-template-columns: 10px 1fr auto; gap: 10px; align-items: center; }
.model-card__legend .legend__swatch { width: 10px; height: 10px; }
.model-card__legend strong { font-family: var(--font-head); color: var(--text); }
.model-card__more { display: inline-flex; align-items: center; gap: 8px; margin-top: auto; padding-top: 20px; font-family: var(--font-head); font-weight: 700; color: var(--navy-900); }
.model-card:hover .model-card__more .icon { transform: translateX(3px); }
.model-card__more .icon { transition: transform 0.25s var(--ease); }

/* ---------- FOREM vs bank advisor ---------- */
.fineprint--center { margin-inline: auto; text-align: center; }
.versus { position: relative; display: grid; gap: 18px; align-items: stretch; }
@media (min-width: 900px) { .versus { grid-template-columns: 1fr 1fr; gap: 28px; } }
.versus__card { padding: clamp(24px, 3vw, 36px); border-radius: var(--radius-lg); }
.versus__card--us { background: linear-gradient(150deg, var(--navy-800) 0%, var(--navy-950) 70%); color: var(--on-dark); box-shadow: 0 30px 60px -30px rgba(27, 37, 99, 0.7), inset 0 0 0 1px rgba(156, 216, 243, 0.25); }
.versus__card--bank { background: rgba(255, 255, 255, 0.92); border: 1px solid var(--line); color: var(--text-3); }
.versus__name { display: flex; align-items: center; gap: 10px; min-height: 44px; margin-bottom: 18px; font-family: var(--font-head); font-size: 1.15rem; font-weight: 800; color: var(--text-2); }
.versus__name img { height: 40px; width: auto; filter: brightness(0) invert(1); }
.versus__list { display: grid; gap: 4px; }
.versus__list li { display: grid; grid-template-columns: 28px 1fr; gap: 12px; padding: 12px 0; border-top: 1px solid var(--line); }
.versus__card--us .versus__list li { border-top-color: var(--line-dark); }
.versus__list small { display: block; margin-bottom: 2px; font-family: var(--font-head); font-size: 0.7rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-3); }
.versus__card--us small { color: var(--cyan-soft); }
.versus__card--us .versus__list span:last-child { color: var(--white); }
.versus__mark { display: inline-grid; place-items: center; width: 28px; height: 28px; border-radius: 50%; background: var(--tint-2); color: var(--text-3); }
.versus__card--us .versus__mark { background: var(--cyan); color: var(--navy-950); }
.versus__badge { display: none; }
@media (min-width: 900px) {
  .versus__badge { position: absolute; left: 50%; top: 50%; z-index: 2; display: grid; place-items: center; width: 64px; height: 64px; transform: translate(-50%, -50%); border-radius: 50%; background: var(--brand-gradient); color: var(--white); font-family: var(--font-head); font-weight: 800; letter-spacing: 0.04em; box-shadow: 0 0 0 8px rgba(255, 255, 255, 0.9), var(--shadow); }
}

/* ---------- Institutional pricing band ---------- */
.pricing { position: relative; isolation: isolate; overflow: hidden; color: var(--on-dark); background: var(--navy-950); }
.pricing__img { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; }
.pricing__shade { position: absolute; inset: 0; z-index: -1; background: linear-gradient(110deg, rgba(7, 13, 43, 0.96) 0%, rgba(13, 22, 64, 0.88) 55%, rgba(36, 72, 155, 0.75) 100%); }
.pricing__inner { display: grid; gap: 36px; padding-block: var(--section-y); }
@media (min-width: 1000px) { .pricing__inner { grid-template-columns: 5fr 7fr; align-items: center; gap: 64px; } }
.pricing .lead { color: var(--on-dark-2); }
.pricing__items { display: grid; gap: 14px; }
@media (min-width: 640px) { .pricing__items { grid-template-columns: repeat(3, 1fr); } }
.pricing__item { padding: 24px; border: 1px solid var(--line-dark); border-radius: var(--radius-lg); background: rgba(255, 255, 255, 0.07); -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px); transition: transform 0.3s var(--ease), background-color 0.3s; }
.pricing__item:hover { transform: translateY(-4px); background: rgba(255, 255, 255, 0.12); }
.pricing__icon { display: inline-grid; place-items: center; width: 48px; height: 48px; margin-bottom: 16px; border-radius: 14px; background: var(--brand-gradient); }
.pricing__item h3 { font-family: var(--font-head); font-size: 1.15rem; font-weight: 800; }
.pricing__item p { margin-top: 6px; font-size: 0.92rem; color: var(--on-dark-2); }
.pricing__note { font-size: 0.78rem; color: var(--on-dark-3); }
@media (min-width: 1000px) { .pricing__note { grid-column: 1 / -1; } }

/* ---------- Asset classes (bento) ---------- */
.asset-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 28px; }
.asset-chips li { padding: 8px 16px; border-radius: 999px; background: rgba(255, 255, 255, 0.9); border: 1px solid var(--line-strong); font-family: var(--font-head); font-size: 0.86rem; font-weight: 700; color: var(--navy-900); }
.bento { display: grid; gap: 16px; }
@media (min-width: 760px) { .bento { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .bento { grid-template-columns: 1.3fr 1fr 1fr; grid-template-rows: auto auto; } .bento__tile--1 { grid-row: span 2; } .bento__tile--4 { grid-column: span 2; } }
.bento__tile { position: relative; isolation: isolate; overflow: hidden; display: flex; flex-direction: column; gap: 8px; min-height: 230px; padding: 28px; border-radius: var(--radius-lg); transition: transform 0.3s var(--ease), box-shadow 0.3s; }
.bento__tile:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.bento__tile--1 { min-height: 360px; color: var(--on-dark); background: var(--navy-950); }
.bento__img { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; transition: transform 0.8s var(--ease); }
.bento__tile--1:hover .bento__img { transform: scale(1.05); }
.bento__tile--1::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(7, 13, 43, 0.15) 0%, rgba(7, 13, 43, 0.92) 70%); }
.bento__tile--2 { color: var(--on-dark); background: var(--brand-gradient); }
.bento__tile--3 { background: rgba(255, 255, 255, 0.95); border: 1px solid var(--line); }
.bento__tile--4 { color: var(--on-dark); background: radial-gradient(80% 120% at 100% 0%, rgba(41, 171, 226, 0.35), transparent 60%), var(--navy-900); }
.bento__icon { display: inline-grid; flex: none; margin-bottom: auto; padding-bottom: 0; place-items: center; width: 50px; height: 50px; border-radius: 14px; background: rgba(255, 255, 255, 0.14); border: 1px solid rgba(255, 255, 255, 0.25); }
.bento__tile--3 .bento__icon { background: var(--brand-gradient); color: var(--white); border: 0; }
.bento__num { position: absolute; top: 28px; right: 28px; font-family: var(--font-head); font-weight: 800; opacity: 0.55; }
.bento__title { font-family: var(--font-head); font-size: clamp(1.3rem, 1.1rem + 0.8vw, 1.7rem); font-weight: 800; letter-spacing: -0.02em; }
.bento__text { max-width: 520px; font-size: 0.95rem; opacity: 0.86; }
.bento__tile--3 .bento__text { color: var(--text-2); opacity: 1; }

/* ---------- Target yield ---------- */
.metric--wide { grid-column: 1 / -1; }
.model-card__target { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-top: 14px; padding: 10px 14px; border-radius: var(--radius-sm); background: var(--navy-900); color: var(--on-dark); font-size: 0.78rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; }
.model-card__target span { color: var(--cyan-soft); }
.model-card__target strong { font-family: var(--font-head); font-size: 1.05rem; letter-spacing: -0.01em; text-transform: none; }

/* ---------- Feature icons (Phosphor duotone) in premium tiles ---------- */
.pro-icon { width: 30px; height: 30px; }
.stage__icon, .pricing__icon, .bento__icon, .row-card__icon { position: relative; overflow: hidden; display: inline-grid; place-items: center; width: 60px; height: 60px; padding: 0; border: 0; border-radius: 18px; color: var(--white); background: linear-gradient(145deg, #3bc0f0 0%, var(--blue-600) 45%, var(--navy-800) 100%); box-shadow: 0 14px 28px -14px rgba(27, 37, 99, 0.75), inset 0 1px 0 rgba(255, 255, 255, 0.35), inset 0 -10px 18px -10px rgba(7, 13, 43, 0.55); }
.stage__icon::after, .pricing__icon::after, .bento__icon::after, .row-card__icon::after { content: ""; position: absolute; inset: 0 0 50% 0; background: linear-gradient(180deg, rgba(255, 255, 255, 0.22), transparent); pointer-events: none; }
.bento__tile--2 .bento__icon { background: rgba(255, 255, 255, 0.16); box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.35); }
.life__marker { width: 60px; height: 60px; background: linear-gradient(145deg, #3bc0f0 0%, var(--blue-600) 45%, var(--navy-800) 100%); border: 0; color: var(--white); box-shadow: 0 0 0 6px rgba(41, 171, 226, 0.14), 0 12px 24px -12px rgba(0, 0, 0, 0.6), inset 0 1px 0 rgba(255, 255, 255, 0.35); }
.life__item:hover .life__marker { background: linear-gradient(145deg, #5fd0f7, var(--blue-500)); color: var(--white); }
.life::before { left: 29px; }
.life__item { grid-template-columns: 60px 1fr; }
.row-card--icon { grid-template-columns: 60px 1fr; }
.row-card__icon .pro-icon { width: 28px; height: 28px; }

/* ---------- Asset-class tiles: every tile is a photo ---------- */
.bento__tile, .bento__tile--2, .bento__tile--3, .bento__tile--4 { color: var(--on-dark); background: var(--navy-950); border: 0; }
.bento__tile::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(7, 13, 43, 0.25) 0%, rgba(7, 13, 43, 0.92) 72%); }
.bento__tile--2::before { background: linear-gradient(180deg, rgba(41, 171, 226, 0.25) 0%, rgba(27, 37, 99, 0.94) 75%); }
.bento__tile:hover .bento__img { transform: scale(1.05); }
.bento__tile--3 .bento__text { color: var(--on-dark-2); }
.bento__tile--3 .bento__icon, .bento__tile--2 .bento__icon { background: linear-gradient(145deg, #3bc0f0 0%, var(--blue-600) 45%, var(--navy-800) 100%); box-shadow: 0 14px 28px -14px rgba(27, 37, 99, 0.75), inset 0 1px 0 rgba(255, 255, 255, 0.35); }
.bento__text { opacity: 1; color: var(--on-dark-2); }

/* ---------- In-house technology ---------- */
.tech { position: relative; isolation: isolate; overflow: hidden; padding-block: var(--section-y); color: var(--on-dark); background: var(--navy-950); }
.tech__img { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; }
.tech__shade { position: absolute; inset: 0; z-index: -1; background: radial-gradient(70% 90% at 85% 10%, rgba(41, 171, 226, 0.28), transparent 60%), linear-gradient(180deg, rgba(7, 13, 43, 0.9), rgba(7, 13, 43, 0.96)); }
.tech__head { max-width: 760px; margin-bottom: clamp(32px, 4vw, 48px); }
.tech .lead { color: var(--on-dark-2); }
.tech__items { display: grid; gap: 16px; }
@media (min-width: 860px) { .tech__items { grid-template-columns: repeat(3, 1fr); } }
.tech__item { position: relative; padding: 28px; border: 1px solid var(--line-dark); border-radius: var(--radius-lg); background: rgba(255, 255, 255, 0.06); -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px); transition: transform 0.3s var(--ease), border-color 0.3s; }
.tech__item:hover { transform: translateY(-4px); border-color: rgba(156, 216, 243, 0.45); }
.tech__item .pricing__icon { margin-bottom: 18px; }
.tech__num { position: absolute; top: 28px; right: 28px; font-family: var(--font-head); font-weight: 800; color: var(--on-dark-3); }
.tech__item h3 { font-family: var(--font-head); font-size: 1.2rem; font-weight: 800; }
.tech__item p { margin-top: 8px; font-size: 0.94rem; color: var(--on-dark-2); }
.tech__note { margin-top: 24px; max-width: 980px; font-size: 0.76rem; line-height: 1.6; color: var(--on-dark-3); }

/* ---------- Feature icons without tiles (overrides the earlier tile styles) ---------- */
.stage__icon, .pricing__icon, .bento__icon, .row-card__icon,
.bento__tile--2 .bento__icon, .bento__tile--3 .bento__icon { width: auto; height: auto; padding: 0; border: 0; border-radius: 0; background: none; box-shadow: none; overflow: visible; }
.stage__icon::after, .pricing__icon::after, .bento__icon::after, .row-card__icon::after { content: none; }
.pro-icon { width: 44px; height: 44px; }
.stage__icon, .row-card__icon { color: var(--blue-600); }
.pricing__icon, .tech__item .pricing__icon { color: var(--cyan); }
.bento__icon, .bento__tile--2 .bento__icon, .bento__tile--3 .bento__icon { color: var(--white); }
.bento__icon .pro-icon { width: 40px; height: 40px; filter: drop-shadow(0 2px 6px rgba(0, 0, 0, 0.45)); }
.row-card--icon { grid-template-columns: 44px 1fr; }
.row-card__icon .pro-icon { width: 40px; height: 40px; }
.life__marker { width: 60px; height: 60px; background: var(--navy-950); border: 1.5px solid var(--cyan); color: var(--cyan); box-shadow: 0 0 0 6px rgba(41, 171, 226, 0.1); }
.life__marker .pro-icon { width: 30px; height: 30px; }
.life__item:hover .life__marker { background: var(--navy-900); color: var(--white); border-color: var(--white); }