/* ============================================================
   OPTIMUM IFA — SHARED DESIGN SYSTEM
   Premium · Classy · Modern · Responsive
   ============================================================ */

/* === CUSTOM PROPERTIES === */
:root {
  --navy:   #0D1B3E;
  --ink:    #111827;
  --text:   #374151;
  --muted:  #6B7280;
  --gold:   #B8902A;
  --gold-lt: #D4A83A;
  --cream:  #FAF9F6;
  --light:  #F3F4F6;
  --white:  #FFFFFF;
  --border: #E5E2DA;
  --border-nav: rgba(255,255,255,0.10);

  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body:    'Inter', -apple-system, sans-serif;

  --max-w: 1280px;
  --gutter: clamp(1.25rem, 4vw, 2.5rem);

  --shadow-sm: 0 1px 3px rgba(0,0,0,0.06);
  --shadow:    0 4px 20px rgba(0,0,0,0.08);
  --transition: 0.25s ease;
}

/* === RESET === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.7;
  color: var(--text);
  background: var(--white);
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font: inherit; }
input, textarea, select { font: inherit; }

/* === TYPOGRAPHY === */
h1,h2,h3,h4,h5 {
  font-family: var(--font-display);
  font-weight: 500;
  line-height: 1.15;
  color: var(--ink);
}
h1 { font-size: clamp(2.4rem, 5vw, 4rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.75rem); }
h3 { font-size: clamp(1.25rem, 2.5vw, 1.75rem); font-weight: 500; }
h4 { font-size: 1.125rem; font-weight: 600; font-family: var(--font-body); letter-spacing: 0.01em; }
h5 { font-size: 0.875rem; font-weight: 600; font-family: var(--font-body); text-transform: uppercase; letter-spacing: 0.08em; }
p { max-width: 68ch; }
p + p { margin-top: 1em; }
.lead { font-size: clamp(1.05rem, 2vw, 1.2rem); color: var(--text); line-height: 1.8; }
.label {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold);
}

/* === LAYOUT === */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: var(--gutter);
}
.section { padding-block: clamp(4rem, 8vw, 7rem); }
.section--sm { padding-block: clamp(2.5rem, 5vw, 4rem); }
.section--lg { padding-block: clamp(5rem, 10vw, 9rem); }

/* === NAVIGATION === */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--navy);
  border-bottom: 1px solid var(--border-nav);
  transition: background var(--transition), box-shadow var(--transition);
}
.nav.scrolled {
  background: var(--navy);
  box-shadow: 0 2px 20px rgba(0,0,0,0.25);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: var(--gutter);
}
.nav-logo img {
  height: 36px;
  width: auto;
  filter: brightness(1.1);
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}
.nav-links > li { position: relative; }
.nav-links > li > a {
  display: block;
  padding: 0.5rem 0.85rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  border-radius: 4px;
  transition: color var(--transition), background var(--transition);
  white-space: nowrap;
}
.nav-links > li > a:hover,
.nav-links > li.active > a { color: #fff; background: rgba(255,255,255,0.06); }
.nav-links > li > a.active { color: var(--gold-lt); }

/* Dropdown */
.has-dropdown { position: relative; }
.has-dropdown > a::after {
  content: '';
  display: inline-block;
  width: 6px; height: 6px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  margin-left: 6px;
  opacity: 0.7;
}
.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 240px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 0.5rem 0;
  box-shadow: 0 8px 30px rgba(0,0,0,0.12);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: all 0.2s ease;
  z-index: 100;
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown a {
  display: block;
  padding: 0.6rem 1.25rem;
  font-size: 0.875rem;
  color: var(--text);
  transition: color var(--transition), background var(--transition);
}
.dropdown a:hover { color: var(--ink); background: var(--cream); }
.dropdown li:not(:last-child) a { border-bottom: 1px solid var(--border); }

/* Portal button */
.nav-portal {
  background: var(--gold) !important;
  color: #fff !important;
  padding: 0.45rem 1rem !important;
  border-radius: 4px !important;
  font-weight: 600 !important;
  font-size: 0.8125rem !important;
  letter-spacing: 0.02em;
}
.nav-portal:hover { background: var(--gold-lt) !important; }

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 0.5rem;
  z-index: 1001;
}
.nav-toggle span {
  display: block;
  width: 24px; height: 2px;
  background: rgba(255,255,255,0.9);
  border-radius: 2px;
  transition: all 0.3s ease;
  transform-origin: center;
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile overlay */
.nav-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.4);
  z-index: 998;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s;
}
.nav-overlay.open { opacity: 1; visibility: visible; }

/* === PAGE OFFSET (for fixed nav) === */
body { padding-top: 70px; }

/* === HERO — DARK === */
.hero-dark {
  background: var(--navy);
  color: #fff;
  position: relative;
  overflow: hidden;
  padding-block: clamp(4rem, 8vw, 7rem);
}
.hero-dark::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 70% at 80% 50%, rgba(184,144,42,0.06) 0%, transparent 60%);
  pointer-events: none;
}
.hero-dark .label { color: rgba(212,168,58,0.9); margin-bottom: 1.25rem; }
.hero-dark h1 { color: #fff; font-weight: 400; font-style: italic; }
.hero-dark h1 em { font-style: normal; color: var(--gold-lt); }
.hero-dark .hero-sub { color: rgba(255,255,255,0.7); font-size: clamp(1rem, 1.8vw, 1.15rem); line-height: 1.8; margin-top: 1.25rem; max-width: 54ch; }

/* Hero homepage split */
.hero-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 6vw, 5rem);
  align-items: center;
}
.hero-split-content { padding-block: clamp(1rem, 3vw, 2rem); }
.hero-split-media { position: relative; }
.hero-split-media img {
  width: 100%;
  height: clamp(320px, 50vw, 580px);
  object-fit: cover;
  border-radius: 4px;
  filter: brightness(0.9) contrast(1.05);
}
.hero-badge {
  position: absolute;
  bottom: -1.5rem;
  left: -1.5rem;
  background: var(--gold);
  color: #fff;
  padding: 1.25rem 1.5rem;
  border-radius: 4px;
  text-align: center;
  line-height: 1.2;
  box-shadow: 0 8px 24px rgba(184,144,42,0.3);
}
.hero-badge .badge-num {
  display: block;
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 500;
  line-height: 1;
}
.hero-badge .badge-label {
  display: block;
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-top: 0.25rem;
  opacity: 0.9;
}

/* Page hero (inner pages) */
.hero-page {
  background: var(--navy);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.hero-page .breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.45);
  margin-bottom: 1rem;
}
.hero-page .breadcrumb a { color: rgba(255,255,255,0.5); }
.hero-page .breadcrumb a:hover { color: var(--gold-lt); }
.hero-page .breadcrumb span { color: rgba(255,255,255,0.3); }
.hero-page h1 { color: #fff; font-style: italic; font-weight: 400; margin-bottom: 0.75rem; }
.hero-page .hero-desc { color: rgba(255,255,255,0.65); max-width: 60ch; font-size: clamp(1rem, 1.6vw, 1.1rem); }

/* === BUTTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.8rem 1.75rem;
  font-size: 0.9rem;
  font-weight: 600;
  border-radius: 4px;
  letter-spacing: 0.02em;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-gold {
  background: var(--gold);
  color: #fff;
}
.btn-gold:hover { background: var(--gold-lt); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(184,144,42,0.3); }
.btn-outline {
  background: transparent;
  color: rgba(255,255,255,0.9);
  border: 1.5px solid rgba(255,255,255,0.3);
}
.btn-outline:hover { border-color: var(--gold-lt); color: var(--gold-lt); }
.btn-outline-dark {
  background: transparent;
  color: var(--ink);
  border: 1.5px solid var(--border);
}
.btn-outline-dark:hover { border-color: var(--gold); color: var(--gold); }
.btn-sm { padding: 0.55rem 1.25rem; font-size: 0.8125rem; }
.btn-lg { padding: 1rem 2.25rem; font-size: 1rem; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 2rem; }

/* === DIVIDER === */
.divider {
  width: 3rem;
  height: 2px;
  background: var(--gold);
  margin-bottom: 1.5rem;
}
.divider--center { margin-inline: auto; }

/* === TRUST STRIP === */
.trust-strip {
  background: var(--ink);
  border-top: 1px solid rgba(255,255,255,0.05);
  padding: 1rem 0;
}
.trust-items {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 0.25rem 0;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  padding: 0.5rem 1.25rem;
  font-size: 0.8rem;
  font-weight: 500;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.trust-item:not(:last-child) { border-right: 1px solid rgba(255,255,255,0.1); }
.trust-item svg { color: var(--gold); flex-shrink: 0; }

/* === SECTION HEADERS === */
.section-header { margin-bottom: clamp(2.5rem, 5vw, 4rem); }
.section-header--center { text-align: center; }
.section-header--center .divider { margin-inline: auto; }
.section-header--center p { margin-inline: auto; }
.section-header h2 { margin-top: 0.5rem; }
.section-header p { margin-top: 1rem; color: var(--muted); font-size: 1.05rem; }

/* === SERVICE GRID (homepage) === */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border: 1px solid var(--border);
  border-radius: 6px;
  overflow: hidden;
}
.service-card {
  padding: 2rem 1.75rem;
  border-right: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  transition: background var(--transition);
  position: relative;
}
.service-card:nth-child(3n) { border-right: none; }
.service-card:nth-last-child(-n+3) { border-bottom: none; }
.service-card:hover { background: var(--cream); }
.service-card:hover .service-num { color: var(--gold); }
.service-num {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 300;
  color: var(--border);
  line-height: 1;
  margin-bottom: 0.75rem;
  transition: color var(--transition);
}
.service-card h3 { font-size: 1.15rem; margin-bottom: 0.5rem; }
.service-card p { font-size: 0.9rem; color: var(--muted); margin: 0; }
.service-card .card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--gold);
  margin-top: 1rem;
  transition: gap var(--transition);
}
.service-card:hover .card-link { gap: 0.625rem; }

/* === STATS ROW === */
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border: 1px solid var(--border);
  border-radius: 6px;
  overflow: hidden;
}
.stat-item {
  padding: 2rem 1.5rem;
  border-right: 1px solid var(--border);
  text-align: center;
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 500;
  color: var(--ink);
  line-height: 1;
  display: block;
}
.stat-num .stat-accent { color: var(--gold); }
.stat-label { font-size: 0.8rem; color: var(--muted); margin-top: 0.5rem; display: block; }

/* === BIG STAT SECTION === */
.big-stat-section {
  background: var(--navy);
  color: #fff;
  text-align: center;
}
.big-stat-section .stat-display {
  font-family: var(--font-display);
  font-size: clamp(5rem, 14vw, 10rem);
  font-weight: 300;
  line-height: 1;
  color: #fff;
  letter-spacing: -0.02em;
}
.big-stat-section .stat-display .pct { color: var(--gold-lt); }
.big-stat-section .stat-copy { color: rgba(255,255,255,0.65); max-width: 52ch; margin: 1.5rem auto 0; font-size: 1.05rem; }
.big-stat-section .stat-sub {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2.5rem;
  margin-top: 2.5rem;
  flex-wrap: wrap;
}
.big-stat-section .stat-sub span {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.45);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.big-stat-section .stat-sub strong { color: rgba(255,255,255,0.85); font-weight: 500; }

/* === WHY SECTION (4 pillars) === */
.pillars-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: 6px;
  overflow: hidden;
}
.pillar-item {
  background: var(--white);
  padding: 2.25rem 2rem;
  transition: background var(--transition);
}
.pillar-item:hover { background: var(--cream); }
.pillar-icon {
  width: 44px; height: 44px;
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  color: var(--gold);
}
.pillar-item h4 { font-size: 1.05rem; margin-bottom: 0.5rem; color: var(--ink); }
.pillar-item p { font-size: 0.9rem; color: var(--muted); margin: 0; }

/* === TEAM GRID === */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 1.25rem;
}
.team-card {
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 1.75rem 1.25rem;
  text-align: center;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.team-card:hover { border-color: var(--gold); box-shadow: var(--shadow); }
.team-avatar {
  width: 64px; height: 64px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 500;
  color: #fff;
}
.team-card h4 { font-size: 0.9375rem; font-weight: 600; margin-bottom: 0.25rem; }
.team-card .team-role { font-size: 0.8rem; color: var(--muted); }
.team-card .team-qual {
  font-size: 0.7375rem;
  color: var(--gold);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-top: 0.5rem;
}

/* === TESTIMONIALS === */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.testimonial-card {
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 2rem 1.75rem;
  position: relative;
}
.testimonial-card::before {
  content: '\201C';
  font-family: var(--font-display);
  font-size: 5rem;
  line-height: 0.8;
  color: var(--gold);
  opacity: 0.25;
  position: absolute;
  top: 1rem;
  left: 1.5rem;
  pointer-events: none;
}
.testimonial-card blockquote {
  font-style: italic;
  font-size: 0.9375rem;
  color: var(--text);
  line-height: 1.7;
  position: relative;
  z-index: 1;
}
.testimonial-meta {
  margin-top: 1.25rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.5rem;
}
.testimonial-meta .client-name { font-weight: 600; font-size: 0.875rem; color: var(--ink); }
.testimonial-meta .client-date { font-size: 0.775rem; color: var(--muted); }
.testimonial-adviser {
  margin-top: 0.5rem;
  font-size: 0.75rem;
  color: var(--gold);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* === NEWS CARDS === */
.news-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.news-card {
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 1.75rem;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.news-card:hover { border-color: var(--gold); box-shadow: var(--shadow); }
.news-date {
  font-size: 0.775rem;
  color: var(--muted);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.75rem;
}
.news-card h3 { font-size: 1.1rem; margin-bottom: 0.625rem; }
.news-card p { font-size: 0.875rem; color: var(--muted); margin: 0; }
.news-card .read-more {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--gold);
  margin-top: 1rem;
  transition: gap var(--transition);
}
.news-card:hover .read-more { gap: 0.625rem; }

/* === CTA BANNER === */
.cta-banner {
  background: var(--navy);
  color: #fff;
  text-align: center;
}
.cta-banner h2 { color: #fff; font-style: italic; font-weight: 400; }
.cta-banner p { color: rgba(255,255,255,0.6); margin: 1rem auto 2rem; font-size: 1.05rem; }

/* === INNER PAGE LAYOUT === */
.page-body {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: start;
}
.page-content h2 { margin-top: 2.5rem; }
.page-content h2:first-child { margin-top: 0; }
.page-content h3 { margin-top: 2rem; }
.page-content p { margin-bottom: 1em; color: var(--text); }
.page-content ul {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.5rem 1rem;
  margin: 1rem 0 1.5rem;
}
.page-content ul li {
  display: flex;
  align-items: flex-start;
  gap: 0.625rem;
  font-size: 0.9rem;
  color: var(--text);
}
.page-content ul li::before {
  content: '';
  flex-shrink: 0;
  width: 16px; height: 16px;
  background: var(--gold);
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='currentColor' d='M13.78 4.22a.75.75 0 0 1 0 1.06l-7.25 7.25a.75.75 0 0 1-1.06 0L2.22 9.28a.75.75 0 0 1 1.06-1.06L6 10.94l6.72-6.72a.75.75 0 0 1 1.06 0Z'/%3E%3C/svg%3E") no-repeat center / contain;
  margin-top: 2px;
}
.page-content ul.single-col { grid-template-columns: 1fr; }

/* Sticky sidebar */
.page-sidebar { position: sticky; top: 90px; }
.sidebar-card {
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 1.75rem;
  margin-bottom: 1.25rem;
}
.sidebar-card h4 { margin-bottom: 1rem; font-size: 0.9375rem; color: var(--ink); }
.sidebar-card p { font-size: 0.875rem; color: var(--muted); margin: 0 0 1rem; }
.sidebar-contact-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.875rem;
  color: var(--text);
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--border);
}
.sidebar-contact-item:last-child { border-bottom: none; }
.sidebar-contact-item svg { color: var(--gold); flex-shrink: 0; }
.sidebar-links { display: flex; flex-direction: column; gap: 0.375rem; }
.sidebar-links a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.6rem 0.75rem;
  font-size: 0.875rem;
  color: var(--text);
  border-radius: 4px;
  transition: background var(--transition), color var(--transition);
}
.sidebar-links a:hover { background: var(--white); color: var(--gold); }
.sidebar-links a svg { opacity: 0.4; transition: opacity var(--transition); }
.sidebar-links a:hover svg { opacity: 1; }

/* === PROCESS STEPS === */
.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}
.process-grid::before {
  content: '';
  position: absolute;
  top: 28px;
  left: 10%;
  right: 10%;
  height: 1px;
  background: var(--border);
}
.process-step { padding: 0 1.25rem; text-align: center; position: relative; }
.process-step-num {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 500;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  position: relative;
  z-index: 1;
}
.process-step h4 { font-size: 0.9375rem; margin-bottom: 0.375rem; }
.process-step p { font-size: 0.875rem; color: var(--muted); margin: 0; }

/* === SERVICE OVERVIEW LIST === */
.services-list { display: flex; flex-direction: column; }
.services-list-item {
  display: grid;
  grid-template-columns: 80px 1fr 1fr;
  gap: 2rem;
  padding: 2.5rem 0;
  border-bottom: 1px solid var(--border);
  align-items: start;
}
.services-list-item:last-child { border-bottom: none; }
.services-list-num {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 300;
  color: var(--border);
  line-height: 1;
}
.services-list-title { padding-right: 1rem; }
.services-list-title h2 { font-size: clamp(1.25rem, 2.5vw, 1.75rem); margin-bottom: 0.5rem; }
.services-list-desc p { font-size: 0.9375rem; color: var(--muted); margin-bottom: 1rem; }

/* === MARKET UPDATES PAGE === */
.updates-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 3rem;
  align-items: start;
}
.article-item {
  display: grid;
  grid-template-columns: 70px 1fr;
  gap: 1.25rem;
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--border);
  align-items: start;
}
.article-date-block {
  text-align: center;
  background: var(--navy);
  color: #fff;
  padding: 0.625rem 0.5rem;
  border-radius: 4px;
}
.article-date-block .day { font-family: var(--font-display); font-size: 1.75rem; font-weight: 500; line-height: 1; }
.article-date-block .mon { font-size: 0.65rem; text-transform: uppercase; letter-spacing: 0.08em; opacity: 0.6; }
.article-date-block .year { font-size: 0.65rem; opacity: 0.45; }
.article-item h3 { font-size: 1.05rem; margin-bottom: 0.375rem; }
.article-item p { font-size: 0.875rem; color: var(--muted); margin: 0 0 0.5rem; }
.article-byline { font-size: 0.775rem; color: var(--muted); }

/* === CONTACT FORM === */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 3rem;
  align-items: start;
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-group { display: flex; flex-direction: column; gap: 0.375rem; }
.form-group.full-width { grid-column: 1 / -1; }
.form-label { font-size: 0.8125rem; font-weight: 600; color: var(--ink); letter-spacing: 0.02em; }
.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: 4px;
  font-size: 0.9375rem;
  color: var(--ink);
  background: var(--white);
  transition: border-color var(--transition);
  outline: none;
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus { border-color: var(--gold); }
.form-textarea { resize: vertical; min-height: 140px; }
.form-check { display: flex; align-items: flex-start; gap: 0.75rem; margin-top: 0.5rem; }
.form-check input[type=checkbox] { margin-top: 0.2rem; flex-shrink: 0; accent-color: var(--gold); }
.form-check label { font-size: 0.8rem; color: var(--muted); }
.form-submit { margin-top: 1rem; }

/* === TESTIMONIALS PAGE === */
.testimonials-hero-stat {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 3rem;
  align-items: center;
}
.survey-bar {
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 2rem;
  margin-bottom: 2.5rem;
}
.survey-bar-track {
  height: 8px;
  background: var(--border);
  border-radius: 4px;
  margin-top: 1rem;
  overflow: hidden;
}
.survey-bar-fill {
  height: 100%;
  width: 92%;
  background: linear-gradient(90deg, var(--navy) 0%, var(--gold) 100%);
  border-radius: 4px;
}
.survey-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-top: 1.5rem;
}
.survey-stat { text-align: center; padding: 1rem; background: var(--white); border-radius: 4px; border: 1px solid var(--border); }
.survey-stat .num { font-family: var(--font-display); font-size: 2rem; font-weight: 500; color: var(--ink); }
.survey-stat .lbl { font-size: 0.775rem; color: var(--muted); margin-top: 0.25rem; }

/* === IHT CALLOUT === */
.iht-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: 6px;
  overflow: hidden;
}
.iht-card { background: var(--white); padding: 2rem; text-align: center; }
.iht-num { font-family: var(--font-display); font-size: 2.75rem; font-weight: 500; color: var(--gold); }
.iht-label { font-size: 0.875rem; color: var(--muted); margin-top: 0.5rem; }

/* === FOOTER === */
.footer {
  background: var(--ink);
  color: rgba(255,255,255,0.55);
  padding-top: clamp(3rem, 6vw, 5rem);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.25fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand img { height: 32px; filter: brightness(10); opacity: 0.85; margin-bottom: 1rem; }
.footer-brand p { font-size: 0.875rem; line-height: 1.7; max-width: 30ch; }
.footer-brand .footer-contact { margin-top: 1.25rem; display: flex; flex-direction: column; gap: 0.375rem; }
.footer-brand .footer-contact a { font-size: 0.875rem; color: rgba(255,255,255,0.6); transition: color var(--transition); }
.footer-brand .footer-contact a:hover { color: var(--gold-lt); }
.footer-col h5 { color: rgba(255,255,255,0.85); font-size: 0.75rem; font-family: var(--font-body); font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 1rem; }
.footer-col ul { display: flex; flex-direction: column; gap: 0.5rem; }
.footer-col a { font-size: 0.875rem; color: rgba(255,255,255,0.5); transition: color var(--transition); }
.footer-col a:hover { color: rgba(255,255,255,0.85); }
.footer-bottom {
  padding: 1.5rem 0;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}
.footer-legal { font-size: 0.775rem; color: rgba(255,255,255,0.3); max-width: 70ch; line-height: 1.6; }
.footer-copy { font-size: 0.775rem; color: rgba(255,255,255,0.3); white-space: nowrap; }
.footer-social { display: flex; gap: 0.625rem; margin-top: 1rem; }
.footer-social a {
  width: 34px; height: 34px;
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.45);
  font-size: 0.875rem;
  transition: all var(--transition);
}
.footer-social a:hover { border-color: var(--gold); color: var(--gold); }

/* === ABOUT TIMELINE === */
.timeline { position: relative; padding-left: 2rem; }
.timeline::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.5rem;
  bottom: 0.5rem;
  width: 2px;
  background: linear-gradient(to bottom, var(--navy), var(--gold), var(--navy));
}
.timeline-item { position: relative; padding: 0 0 2.5rem 2rem; }
.timeline-item:last-child { padding-bottom: 0; }
.timeline-item::before {
  content: '';
  position: absolute;
  left: -2.375rem;
  top: 0.4rem;
  width: 10px; height: 10px;
  border-radius: 50%;
  background: var(--gold);
  border: 2px solid var(--white);
  box-shadow: 0 0 0 2px var(--gold);
}
.timeline-year { font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gold); margin-bottom: 0.375rem; }
.timeline-item h4 { font-size: 0.9375rem; color: var(--ink); margin-bottom: 0.25rem; }
.timeline-item p { font-size: 0.875rem; color: var(--muted); margin: 0; }

/* === PROTECTION CARDS === */
.protection-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.protection-card {
  border: 1px solid var(--border);
  border-left: 3px solid var(--gold);
  border-radius: 4px;
  padding: 1.5rem;
}
.protection-card h4 { font-size: 1rem; margin-bottom: 0.375rem; }
.protection-card p { font-size: 0.875rem; color: var(--muted); margin: 0; }

/* === MORTGAGE TYPES === */
.mortgage-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.mortgage-card {
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 1.5rem;
}
.mortgage-card h4 { font-size: 1rem; margin-bottom: 0.375rem; }
.mortgage-card p { font-size: 0.875rem; color: var(--muted); margin: 0; }

/* === CORPORATE SERVICES === */
.corp-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.corp-card {
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 1.5rem;
  transition: border-color var(--transition);
}
.corp-card:hover { border-color: var(--gold); }
.corp-card h4 { font-size: 0.9375rem; margin-bottom: 0.375rem; }
.corp-card p { font-size: 0.8375rem; color: var(--muted); margin: 0; }

/* === FCA BOX === */
.fca-box {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 6px;
  padding: 1.25rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
  line-height: 1.7;
  margin-top: 1.25rem;
}

/* === CAREERS === */
.career-card {
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 2rem;
}
.career-meta { display: flex; flex-wrap: wrap; gap: 1rem; margin: 0.75rem 0 1.5rem; }
.career-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  font-size: 0.775rem;
  font-weight: 600;
  color: var(--muted);
  background: var(--cream);
  border: 1px solid var(--border);
  padding: 0.3rem 0.75rem;
  border-radius: 20px;
}

/* === ANIMATIONS === */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.visible { opacity: 1; transform: none; }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }

/* === UTILITIES === */
.text-gold { color: var(--gold); }
.text-muted { color: var(--muted); }
.text-center { text-align: center; }
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-0 { margin-bottom: 0; }
.italic { font-style: italic; }
.bg-cream { background: var(--cream); }
.bg-navy { background: var(--navy); }
.bg-light { background: var(--light); }

/* ============================================================
   RESPONSIVE BREAKPOINTS
   ============================================================ */

/* === TABLET (≤1024px) === */
@media (max-width: 1024px) {
  .hero-split { grid-template-columns: 1fr; }
  .hero-split-media { display: none; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .service-card:nth-child(3n) { border-right: 1px solid var(--border); }
  .service-card:nth-child(2n) { border-right: none; }
  .service-card:nth-last-child(-n+2) { border-bottom: none; }
  .service-card:nth-last-child(3) { border-bottom: 1px solid var(--border); }
  .stats-row { grid-template-columns: repeat(2, 1fr); }
  .stats-row .stat-item:nth-child(2) { border-right: none; }
  .stats-row .stat-item:nth-child(3) { border-top: 1px solid var(--border); }
  .stats-row .stat-item:nth-child(4) { border-right: none; border-top: 1px solid var(--border); }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .news-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .page-body { grid-template-columns: 1fr; }
  .page-sidebar { position: static; }
  .updates-layout { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .services-list-item { grid-template-columns: 60px 1fr; }
  .services-list-desc { grid-column: 2; }
  .process-grid { grid-template-columns: repeat(2, 1fr); gap: 2rem; }
  .process-grid::before { display: none; }
  .corp-grid { grid-template-columns: repeat(2, 1fr); }
  .pillars-grid { grid-template-columns: repeat(2, 1fr); }
  .team-grid { grid-template-columns: repeat(auto-fill, minmax(180px, 1fr)); }
  .survey-stats { grid-template-columns: 1fr; }
  .testimonials-hero-stat { grid-template-columns: 1fr; }
}

/* === MOBILE (≤768px) === */
@media (max-width: 768px) {
  body { padding-top: 60px; }
  .nav-inner { height: 60px; }
  .nav-toggle { display: flex; }

  .nav-links {
    position: fixed;
    top: 0; right: 0; bottom: 0;
    width: min(320px, 85vw);
    background: var(--navy);
    flex-direction: column;
    align-items: stretch;
    padding: 80px 1.5rem 2rem;
    gap: 0.25rem;
    overflow-y: auto;
    transform: translateX(100%);
    transition: transform 0.3s ease;
    z-index: 999;
  }
  .nav-links.open { transform: translateX(0); }
  .nav-links > li > a { color: rgba(255,255,255,0.8); padding: 0.8rem 1rem; border-radius: 6px; font-size: 1rem; }
  .nav-links > li > a:hover { background: rgba(255,255,255,0.08); color: #fff; }
  .nav-portal { display: none !important; }

  /* Mobile dropdown */
  .dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    background: rgba(255,255,255,0.04);
    border-radius: 6px;
    padding: 0.25rem 0;
    display: none;
  }
  .has-dropdown.open .dropdown { display: block; }
  .dropdown a { color: rgba(255,255,255,0.6); padding: 0.55rem 1.25rem; font-size: 0.9rem; border-bottom: none; }
  .dropdown a:hover { background: rgba(255,255,255,0.05); color: #fff; }
  .has-dropdown > a::after { float: right; margin-top: 0.4rem; }

  .services-grid { grid-template-columns: 1fr; }
  .service-card { border-right: none !important; }
  .service-card:nth-last-child(-n+3) { border-bottom: 1px solid var(--border); }
  .service-card:last-child { border-bottom: none; }

  .stats-row { grid-template-columns: 1fr 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .news-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; }
  .services-list-item { grid-template-columns: 1fr; gap: 0.75rem; }
  .services-list-num { font-size: 2rem; }
  .services-list-desc { padding: 0; grid-column: 1; }
  .page-content ul { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .form-group.full-width { grid-column: 1; }
  .iht-grid { grid-template-columns: 1fr; }
  .protection-grid { grid-template-columns: 1fr; }
  .mortgage-grid { grid-template-columns: 1fr; }
  .corp-grid { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; }
  .pillars-grid { grid-template-columns: 1fr; }
  .trust-item { border-right: none !important; }
  .trust-items { justify-content: flex-start; }
  .big-stat-section .stat-sub { flex-direction: column; gap: 0.75rem; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .survey-stats { grid-template-columns: 1fr; }
  .hero-badge { position: static; margin-top: 1.5rem; display: inline-block; }
}

/* === SMALL MOBILE (≤480px) === */
@media (max-width: 480px) {
  .stats-row { grid-template-columns: 1fr; }
  .stat-item { border-right: none; border-bottom: 1px solid var(--border); }
  .stat-item:last-child { border-bottom: none; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .article-item { grid-template-columns: 1fr; }
  .article-date-block { display: none; }
  .hero-ctas { flex-direction: column; }
  .trust-item { border-bottom: 1px solid rgba(255,255,255,0.08); }
  .trust-item:last-child { border-bottom: none; }
  .trust-items { flex-direction: column; align-items: flex-start; gap: 0; }
}