/* ============================================================
   VIREX WEALTH MANAGEMENT - MAIN STYLESHEET
   Version: 1.0
   Color Palette:
     --navy:       #0B1F3A  (primary dark)
     --navy-mid:   #122B52  (secondary dark)
     --navy-light: #1A3A6B  (accent dark)
     --gold:       #C9A84C  (primary accent)
     --gold-light: #E2C47A  (secondary accent)
     --grey-dark:  #2C3E50  (text dark)
     --grey-mid:   #5D6D7E  (text mid)
     --grey-light: #BDC3C7  (borders)
     --off-white:  #F8F9FA  (backgrounds)
     --white:      #FFFFFF
============================================================ */

/* ── RESET & BASE ─────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:        #0B1F3A;
  --navy-mid:    #122B52;
  --navy-light:  #1A3A6B;
  --gold:        #C9A84C;
  --gold-light:  #E2C47A;
  --grey-dark:   #2C3E50;
  --grey-mid:    #5D6D7E;
  --grey-light:  #BDC3C7;
  --off-white:   #F8F9FA;
  --white:       #FFFFFF;
  --shadow-sm:   0 2px 8px rgba(11,31,58,0.08);
  --shadow-md:   0 4px 20px rgba(11,31,58,0.12);
  --shadow-lg:   0 8px 40px rgba(11,31,58,0.18);
  --radius:      6px;
  --radius-lg:   12px;
  --transition:  0.3s ease;
  --font-main:   'Georgia', 'Times New Roman', serif;
  --font-sans:   'Segoe UI', 'Helvetica Neue', Arial, sans-serif;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-sans);
  color: var(--grey-dark);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a  { color: var(--gold); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold-light); }
ul { list-style: none; }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-main);
  color: var(--navy);
  line-height: 1.3;
  font-weight: 700;
}

h1 { font-size: clamp(2rem, 4vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.6rem); }
h4 { font-size: 1.15rem; }

p { margin-bottom: 1rem; color: var(--grey-dark); }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 80px 0; }
.section-sm { padding: 50px 0; }
.section-lg { padding: 110px 0; }

.section-label {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-title {
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--grey-mid);
  max-width: 640px;
  margin-bottom: 48px;
}

.section-header { margin-bottom: 56px; }
.section-header.centered { text-align: center; }
.section-header.centered .section-subtitle { margin-left: auto; margin-right: auto; }

.divider {
  width: 56px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  margin: 16px 0 24px;
  border-radius: 2px;
}
.divider.centered { margin-left: auto; margin-right: auto; }

/* ── BUTTONS ──────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius);
  font-family: var(--font-sans);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201,168,76,0.35);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-outline-gold {
  background: transparent;
  color: var(--gold);
  border-color: var(--gold);
}
.btn-outline-gold:hover {
  background: var(--gold);
  color: var(--navy);
  transform: translateY(-2px);
}

.btn-sm { padding: 9px 20px; font-size: 0.82rem; }
.btn-lg { padding: 16px 36px; font-size: 1rem; }

/* ── HEADER / NAVIGATION ──────────────────────────────────── */
#site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(11,31,58,0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201,168,76,0.2);
  transition: all var(--transition);
}

#site-header.scrolled {
  background: rgba(11,31,58,0.99);
  box-shadow: var(--shadow-md);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
  gap: 24px;
}

.logo-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}

.logo-wrap img {
  height: 46px;
  width: auto;
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
}

.logo-name {
  font-family: var(--font-main);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.02em;
}

.logo-tagline {
  font-size: 0.65rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
}

/* Main Nav */
.main-nav { display: flex; align-items: center; gap: 4px; }

.nav-item { position: relative; }

.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 14px;
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  border-radius: var(--radius);
  transition: all var(--transition);
  white-space: nowrap;
  text-decoration: none;
}

.nav-link:hover,
.nav-link.active {
  color: var(--gold);
  background: rgba(201,168,76,0.08);
}

.nav-link .chevron {
  font-size: 0.65rem;
  transition: transform var(--transition);
}

.nav-item:hover .chevron { transform: rotate(180deg); }

/* Dropdown */
.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 260px;
  background: var(--navy);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all var(--transition);
  z-index: 100;
  padding: 8px;
}

.nav-item:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown a {
  display: block;
  padding: 10px 16px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.8);
  border-radius: var(--radius);
  transition: all var(--transition);
  text-decoration: none;
}

.dropdown a:hover {
  background: rgba(201,168,76,0.1);
  color: var(--gold);
  padding-left: 22px;
}

/* Header Actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.btn-login {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 18px;
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: var(--radius);
  transition: all var(--transition);
  text-decoration: none;
}

.btn-login:hover {
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
  background: rgba(255,255,255,0.06);
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  border: none;
  background: none;
  border-radius: var(--radius);
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Nav */
.mobile-nav {
  display: none;
  position: fixed;
  top: 76px; left: 0; right: 0;
  background: var(--navy);
  border-top: 1px solid rgba(201,168,76,0.2);
  padding: 20px 24px 32px;
  z-index: 999;
  max-height: calc(100vh - 76px);
  overflow-y: auto;
}

.mobile-nav.open { display: block; }

.mobile-nav a {
  display: block;
  padding: 12px 0;
  font-size: 1rem;
  color: rgba(255,255,255,0.85);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  text-decoration: none;
  transition: color var(--transition);
}

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

.mobile-nav .mobile-section-title {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 20px 0 8px;
}

.mobile-nav .mobile-actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 24px;
}

/* ── HERO SECTION ─────────────────────────────────────────── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, #0D2444 100%);
  overflow: hidden;
  padding-top: 76px;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 70% 50%, rgba(201,168,76,0.08) 0%, transparent 70%),
    radial-gradient(ellipse 40% 60% at 20% 80%, rgba(26,58,107,0.6) 0%, transparent 60%);
}

.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 700px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 28px;
}

.hero-badge::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.3); }
}

.hero h1 {
  color: var(--white);
  margin-bottom: 24px;
  font-size: clamp(2.2rem, 4.5vw, 3.6rem);
}

.hero h1 span { color: var(--gold); }

.hero-lead {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 40px;
  max-width: 580px;
  line-height: 1.8;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 56px;
}

.hero-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 40px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.hero-stat-value {
  font-family: var(--font-main);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 4px;
}

.hero-stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.hero-visual {
  position: absolute;
  right: -60px;
  top: 50%;
  transform: translateY(-50%);
  width: 520px;
  opacity: 0.12;
  pointer-events: none;
}

/* ── PAGE HERO (inner pages) ──────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 140px 0 80px;
  position: relative;
  overflow: hidden;
}

.page-hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.12;
  z-index: 0;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 50% 80% at 80% 50%, rgba(201,168,76,0.08) 0%, transparent 70%);
  z-index: 1;
}

.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(201,168,76,0.4), transparent);
  z-index: 2;
}

.page-hero-content { position: relative; z-index: 3; }

.page-hero h1 { color: var(--white); margin-bottom: 16px; }

.page-hero .lead {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.7);
  max-width: 600px;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
  font-size: 0.82rem;
}

.breadcrumb a { color: rgba(255,255,255,0.5); text-decoration: none; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,0.3); }
.breadcrumb .current { color: var(--gold); }

/* ── TRUST BAR ────────────────────────────────────────────── */
.trust-bar {
  background: var(--off-white);
  border-bottom: 1px solid var(--grey-light);
  padding: 20px 0;
}

.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.82rem;
  color: var(--grey-mid);
  font-weight: 500;
}

.trust-item .icon {
  width: 32px; height: 32px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 0.85rem;
  flex-shrink: 0;
}

/* ── CARDS ────────────────────────────────────────────────── */
.card {
  background: var(--white);
  border: 1px solid rgba(189,195,199,0.4);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,0.3);
}

.card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transition: transform var(--transition);
}

.card:hover::before { transform: scaleX(1); }

.card-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, rgba(11,31,58,0.06), rgba(11,31,58,0.1));
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 20px;
  color: var(--navy);
  transition: all var(--transition);
}

.card:hover .card-icon {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
}

.card h3 { margin-bottom: 12px; font-size: 1.15rem; }
.card p { font-size: 0.9rem; color: var(--grey-mid); margin-bottom: 0; }

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 20px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  transition: all var(--transition);
}

.card-link:hover { color: var(--gold); gap: 10px; }

/* Grid layouts */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ── SERVICES SECTION ─────────────────────────────────────── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.service-card {
  background: var(--white);
  border: 1px solid rgba(189,195,199,0.4);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}

.service-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,0.4);
}

.service-card .service-icon {
  font-size: 2rem;
  margin-bottom: 18px;
  display: block;
}

.service-card h3 {
  font-size: 1.05rem;
  margin-bottom: 10px;
  color: var(--navy);
}

.service-card p {
  font-size: 0.875rem;
  color: var(--grey-mid);
  margin-bottom: 20px;
  line-height: 1.6;
}

.service-card .learn-more {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 5px;
  transition: gap var(--transition);
  text-decoration: none;
}

.service-card .learn-more:hover { gap: 10px; color: var(--gold); }

/* ── ABOUT / PHILOSOPHY SECTION ───────────────────────────── */
.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.split-section.reverse { direction: rtl; }
.split-section.reverse > * { direction: ltr; }

.split-image {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.split-image img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  border-radius: var(--radius-lg);
}

.split-image::after {
  content: '';
  position: absolute;
  inset: 0;
  border: 2px solid rgba(201,168,76,0.3);
  border-radius: var(--radius-lg);
  pointer-events: none;
}

.image-placeholder {
  width: 100%;
  height: 480px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: var(--radius-lg);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.3);
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  gap: 12px;
  position: relative;
  overflow: hidden;
}

.image-placeholder::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 60% 40%, rgba(201,168,76,0.1) 0%, transparent 60%);
}

.image-placeholder .ph-icon {
  font-size: 3rem;
  opacity: 0.3;
  position: relative;
}

/* ── STATS SECTION ────────────────────────────────────────── */
.stats-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}

.stats-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.03) 1px, transparent 1px);
  background-size: 50px 50px;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  position: relative;
}

.stat-item { text-align: center; }

.stat-number {
  font-family: var(--font-main);
  font-size: 3rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 8px;
}

.stat-label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

/* ── TEAM CARDS ───────────────────────────────────────────── */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.team-card {
  background: var(--white);
  border: 1px solid rgba(189,195,199,0.4);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
}

.team-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
}

.team-photo {
  width: 100%;
  height: 260px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

.team-photo::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 60px;
  background: linear-gradient(transparent, rgba(11,31,58,0.3));
}

.team-photo-placeholder {
  font-size: 4rem;
  color: rgba(255,255,255,0.2);
}

.team-info { padding: 24px; }

.team-name {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}

.team-title {
  font-size: 0.82rem;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 0.04em;
  margin-bottom: 12px;
}

.team-bio {
  font-size: 0.875rem;
  color: var(--grey-mid);
  line-height: 1.6;
  margin-bottom: 16px;
}

.team-credentials {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}

.credential-badge {
  display: inline-block;
  padding: 3px 10px;
  background: rgba(11,31,58,0.06);
  border: 1px solid rgba(11,31,58,0.12);
  border-radius: 100px;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.04em;
}

/* ── OFFICES / LOCATIONS ──────────────────────────────────── */
.offices-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.office-card {
  background: var(--white);
  border: 1px solid rgba(189,195,199,0.4);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  transition: all var(--transition);
}

.office-card:hover {
  border-color: rgba(201,168,76,0.4);
  box-shadow: var(--shadow-md);
}

.office-flag {
  font-size: 2rem;
  margin-bottom: 12px;
}

.office-city {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}

.office-country {
  font-size: 0.8rem;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.office-type {
  font-size: 0.78rem;
  color: var(--grey-mid);
}

/* ── PROCESS STEPS ────────────────────────────────────────── */
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}

.process-steps::before {
  content: '';
  position: absolute;
  top: 40px;
  left: calc(12.5% + 20px);
  right: calc(12.5% + 20px);
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  z-index: 0;
}

.process-step {
  text-align: center;
  padding: 0 20px;
  position: relative;
  z-index: 1;
}

.step-number {
  width: 80px; height: 80px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border: 3px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-main);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--gold);
  margin: 0 auto 24px;
}

.process-step h4 {
  font-size: 1rem;
  margin-bottom: 10px;
  color: var(--navy);
}

.process-step p {
  font-size: 0.85rem;
  color: var(--grey-mid);
}

/* ── ACCORDION / FAQ ──────────────────────────────────────── */
.accordion { border: 1px solid rgba(189,195,199,0.4); border-radius: var(--radius-lg); overflow: hidden; }

.accordion-item { border-bottom: 1px solid rgba(189,195,199,0.4); }
.accordion-item:last-child { border-bottom: none; }

.accordion-header {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 28px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy);
  transition: all var(--transition);
}

.accordion-header:hover { background: rgba(11,31,58,0.02); color: var(--gold); }

.accordion-icon {
  width: 24px; height: 24px;
  background: rgba(11,31,58,0.06);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  color: var(--navy);
  flex-shrink: 0;
  transition: all var(--transition);
}

.accordion-item.open .accordion-icon {
  background: var(--gold);
  color: var(--navy);
  transform: rotate(45deg);
}

.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.accordion-body-inner {
  padding: 0 28px 24px;
  font-size: 0.9rem;
  color: var(--grey-mid);
  line-height: 1.8;
}

/* ── FEES TABLE ───────────────────────────────────────────── */
.fees-table {
  width: 100%;
  border-collapse: collapse;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.fees-table th {
  background: var(--navy);
  color: var(--white);
  padding: 16px 20px;
  text-align: left;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.04em;
}

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

.fees-table td {
  padding: 14px 20px;
  font-size: 0.875rem;
  color: var(--grey-dark);
  border-bottom: 1px solid rgba(189,195,199,0.3);
}

.fees-table tr:nth-child(even) td { background: rgba(248,249,250,0.8); }
.fees-table tr:hover td { background: rgba(201,168,76,0.04); }

/* ── CONTACT FORM ─────────────────────────────────────────── */
.contact-form { max-width: 680px; }

.form-group { margin-bottom: 24px; }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
  letter-spacing: 0.02em;
}

label .required { color: var(--gold); margin-left: 3px; }

input[type="text"],
input[type="email"],
input[type="tel"],
input[type="number"],
select,
textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid rgba(189,195,199,0.6);
  border-radius: var(--radius);
  font-family: var(--font-sans);
  font-size: 0.9rem;
  color: var(--grey-dark);
  background: var(--white);
  transition: all var(--transition);
  outline: none;
  appearance: none;
}

input:focus, select:focus, textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(11,31,58,0.08);
}

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

select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235D6D7E' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
  cursor: pointer;
}

.form-disclaimer {
  font-size: 0.78rem;
  color: var(--grey-mid);
  line-height: 1.6;
  padding: 16px;
  background: rgba(248,249,250,0.8);
  border: 1px solid rgba(189,195,199,0.4);
  border-radius: var(--radius);
  margin-bottom: 24px;
}

.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.checkbox-group input[type="checkbox"] {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--navy);
  cursor: pointer;
}

.checkbox-group label {
  font-size: 0.82rem;
  font-weight: 400;
  color: var(--grey-mid);
  margin-bottom: 0;
  cursor: pointer;
}

/* ── ALERT / NOTICE BOXES ─────────────────────────────────── */
.notice {
  padding: 16px 20px;
  border-radius: var(--radius);
  font-size: 0.875rem;
  line-height: 1.6;
  margin-bottom: 24px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
}

.notice-info {
  background: rgba(11,31,58,0.04);
  border-left: 4px solid var(--navy);
  color: var(--grey-dark);
}

.notice-warning {
  background: rgba(201,168,76,0.08);
  border-left: 4px solid var(--gold);
  color: var(--grey-dark);
}

.notice-icon { font-size: 1rem; flex-shrink: 0; margin-top: 1px; }

/* ── TESTIMONIALS ─────────────────────────────────────────── */
.testimonial-card {
  background: var(--white);
  border: 1px solid rgba(189,195,199,0.4);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  position: relative;
}

.testimonial-card::before {
  content: '\201C';
  position: absolute;
  top: 20px; left: 28px;
  font-family: var(--font-main);
  font-size: 5rem;
  color: var(--gold);
  opacity: 0.2;
  line-height: 1;
}

.testimonial-text {
  font-size: 0.95rem;
  color: var(--grey-dark);
  line-height: 1.8;
  font-style: italic;
  margin-bottom: 24px;
  padding-top: 20px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.author-avatar {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-weight: 700;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.author-name {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--navy);
}

.author-title {
  font-size: 0.78rem;
  color: var(--grey-mid);
}

/* ── CTA SECTION ──────────────────────────────────────────── */
.cta-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 90px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 50% 50%, rgba(201,168,76,0.08) 0%, transparent 70%);
}

.cta-section h2 { color: var(--white); position: relative; margin-bottom: 16px; }
.cta-section p { color: rgba(255,255,255,0.7); position: relative; max-width: 560px; margin: 0 auto 36px; }

.cta-actions {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 16px;
  position: relative;
}

/* ── FOOTER ───────────────────────────────────────────────── */
#site-footer {
  background: #070F1E;
  color: rgba(255,255,255,0.6);
  padding-top: 72px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand .logo-wrap { margin-bottom: 20px; }

.footer-desc {
  font-size: 0.85rem;
  line-height: 1.8;
  color: rgba(255,255,255,0.5);
  margin-bottom: 24px;
}

.footer-reg {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.35);
  line-height: 1.7;
}

.footer-reg strong { color: rgba(255,255,255,0.55); }

.footer-col h5 {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}

.footer-col ul li { margin-bottom: 10px; }

.footer-col ul li a {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  transition: color var(--transition);
}

.footer-col ul li a:hover { color: var(--gold); }

.footer-bottom {
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}

.footer-copyright {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.3);
}

.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}

.footer-legal-links a {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.35);
  text-decoration: none;
  transition: color var(--transition);
}

.footer-legal-links a:hover { color: var(--gold); }

/* ── DISCLAIMER FOOTER BAR ────────────────────────────────── */
.disclaimer-bar {
  background: rgba(0,0,0,0.3);
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,0.05);
}

.disclaimer-text {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.25);
  line-height: 1.7;
  text-align: center;
}

/* ── COOKIE BANNER ────────────────────────────────────────── */
#cookie-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--navy);
  border-top: 2px solid rgba(201,168,76,0.3);
  padding: 20px 0;
  z-index: 9999;
  transform: translateY(100%);
  transition: transform 0.4s ease;
}

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

.cookie-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.cookie-text {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.75);
  flex: 1;
  min-width: 280px;
}

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

.cookie-actions {
  display: flex;
  gap: 12px;
  flex-shrink: 0;
}

/* ── BACK TO TOP ──────────────────────────────────────────── */
#back-to-top {
  position: fixed;
  bottom: 32px; right: 32px;
  width: 44px; height: 44px;
  background: var(--gold);
  color: var(--navy);
  border: none;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition);
  z-index: 500;
}

#back-to-top.visible { opacity: 1; visibility: visible; }
#back-to-top:hover { background: var(--gold-light); transform: translateY(-3px); }

/* ── LEGAL PAGES ──────────────────────────────────────────── */
.legal-content {
  max-width: 860px;
  margin: 0 auto;
}

.legal-content h2 {
  font-size: 1.4rem;
  margin: 40px 0 16px;
  padding-top: 16px;
  border-top: 1px solid rgba(189,195,199,0.4);
  color: var(--navy);
}

.legal-content h2:first-child { border-top: none; margin-top: 0; }

.legal-content h3 {
  font-size: 1.1rem;
  margin: 28px 0 12px;
  color: var(--navy);
}

.legal-content p, .legal-content li {
  font-size: 0.9rem;
  color: var(--grey-dark);
  line-height: 1.8;
  margin-bottom: 12px;
}

.legal-content ul {
  list-style: disc;
  padding-left: 24px;
  margin-bottom: 16px;
}

.legal-content ol {
  padding-left: 24px;
  margin-bottom: 16px;
}

.legal-content ol li { list-style: decimal; }

.legal-meta {
  font-size: 0.82rem;
  color: var(--grey-mid);
  padding: 16px 20px;
  background: var(--off-white);
  border-radius: var(--radius);
  margin-bottom: 40px;
}

/* ── HIGHLIGHT BOX ────────────────────────────────────────── */
.highlight-box {
  background: linear-gradient(135deg, rgba(11,31,58,0.04), rgba(11,31,58,0.07));
  border: 1px solid rgba(11,31,58,0.1);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin: 32px 0;
}

.highlight-box h4 { margin-bottom: 10px; font-size: 1rem; }
.highlight-box p { margin-bottom: 0; font-size: 0.875rem; color: var(--grey-mid); }

/* ── TAGS / BADGES ────────────────────────────────────────── */
.tag {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.04em;
}

.tag-navy { background: rgba(11,31,58,0.08); color: var(--navy); }
.tag-gold { background: rgba(201,168,76,0.12); color: #8B6914; }
.tag-green { background: rgba(39,174,96,0.1); color: #1a7a42; }

/* ── RESOURCE CARDS ───────────────────────────────────────── */
.resource-card {
  background: var(--white);
  border: 1px solid rgba(189,195,199,0.4);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
}

.resource-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.resource-thumb {
  height: 180px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
  color: rgba(255,255,255,0.2);
  position: relative;
  overflow: hidden;
}

.resource-thumb::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 60% 40%, rgba(201,168,76,0.1) 0%, transparent 60%);
}

.resource-body { padding: 24px; }

.resource-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
}

.resource-date {
  font-size: 0.75rem;
  color: var(--grey-mid);
}

.resource-body h4 {
  font-size: 1rem;
  margin-bottom: 10px;
  color: var(--navy);
  line-height: 1.4;
}

.resource-body p {
  font-size: 0.85rem;
  color: var(--grey-mid);
  margin-bottom: 16px;
}

/* ── UTILITY CLASSES ──────────────────────────────────────── */
.text-center { text-align: center; }
.text-right  { text-align: right; }
.text-gold   { color: var(--gold); }
.text-navy   { color: var(--navy); }
.text-muted  { color: var(--grey-mid); }
.text-white  { color: var(--white); }
.text-small  { font-size: 0.85rem; }

.bg-navy     { background: var(--navy); }
.bg-off-white { background: var(--off-white); }
.bg-white    { background: var(--white); }

.mt-0  { margin-top: 0; }
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.mb-0  { margin-bottom: 0; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-48 { margin-bottom: 48px; }

.fw-bold { font-weight: 700; }
.fw-600  { font-weight: 600; }

.d-flex { display: flex; }
.align-center { align-items: center; }
.gap-8  { gap: 8px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }

/* ── RESPONSIVE ───────────────────────────────────────────── */
@media (max-width: 1024px) {
  .grid-4, .stats-grid, .offices-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .process-steps { grid-template-columns: repeat(2, 1fr); gap: 40px; }
  .process-steps::before { display: none; }
}

@media (max-width: 768px) {
  .main-nav, .header-actions .btn { display: none; }
  .hamburger { display: flex; }

  .hero { min-height: auto; padding: 120px 0 80px; }
  .hero-stats { gap: 24px; }
  .hero-visual { display: none; }

  .split-section { grid-template-columns: 1fr; gap: 40px; }
  .split-section.reverse { direction: ltr; }

  .grid-2, .grid-3, .services-grid, .team-grid { grid-template-columns: 1fr; }
  .grid-4, .stats-grid, .offices-grid { grid-template-columns: repeat(2, 1fr); }

  .process-steps { grid-template-columns: 1fr; }

  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }

  .form-row { grid-template-columns: 1fr; }

  .section { padding: 60px 0; }
  .section-lg { padding: 80px 0; }

  .page-hero { padding: 120px 0 60px; }

  .cookie-inner { flex-direction: column; }
}

@media (max-width: 480px) {
  .grid-4, .stats-grid, .offices-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .cta-actions { flex-direction: column; align-items: center; }
  .trust-bar-inner { flex-direction: column; align-items: flex-start; }
}

/* ── PRINT STYLES ─────────────────────────────────────────── */
@media print {
  #site-header, #site-footer, #cookie-banner, #back-to-top { display: none; }
  body { font-size: 12pt; }
  .page-hero { padding: 20px 0; background: none; }
  .page-hero h1 { color: var(--navy); }
}