/* =========================================================
   The Investments Hub — Stylesheet
   Motif: the gilded arch (taken from the logo's circular frame)
   ========================================================= */
:root{
  --navy:#0A2A5E;
  --ink:#061A3A;
  --ink-2:#040F25;
  --gold:#C8922A;
  --gold-2:#E7B85A;
  --gold-lt:#F6E3B4;
  --mist:#F2F4F9;
  --line:#E3E7F0;
  --text:#2A3550;
  --muted:#5D6980;
  --gold-grad:linear-gradient(135deg,#9C6A1E 0%,#D9A441 34%,#F4D27E 52%,#C08A2C 74%,#9C6A1E 100%);
  --shadow:0 26px 60px -34px rgba(6,26,58,.45);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Albert Sans',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--text);background:#fff;line-height:1.7;font-size:16.5px;-webkit-font-smoothing:antialiased;overflow-x:hidden}
body.lock{overflow:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{font-family:'Marcellus',Georgia,'Times New Roman',serif;font-weight:400;color:var(--navy);line-height:1.2}
p{margin-bottom:14px}
p:last-child{margin-bottom:0}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.wrap{width:85%;margin-inline:auto}
.sec{padding:100px 0}
.sec-mist{background:var(--mist)}
.img-missing{background:linear-gradient(135deg,var(--navy),#12407f 60%,var(--gold)) !important}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 28px;border-radius:999px;font-weight:600;font-size:15px;border:0;cursor:pointer;font-family:inherit;transition:transform .2s ease,box-shadow .2s ease,background .2s;white-space:nowrap;line-height:1.2}
.btn svg{width:17px;height:17px;flex:none}
.btn-gold{background:var(--gold-grad);color:var(--ink);box-shadow:0 12px 26px -14px rgba(156,106,30,.9)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 16px 30px -14px rgba(156,106,30,.95)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--ink)}
.btn-line{border:1.5px solid rgba(255,255,255,.55);color:#fff;background:transparent}
.btn-line:hover{background:rgba(255,255,255,.1)}
.btn-outline{border:1.5px solid var(--navy);color:var(--navy);background:transparent}
.btn-outline:hover{background:var(--navy);color:#fff}
.link-gold{display:inline-flex;align-items:center;gap:8px;font-weight:600;color:var(--navy);border-bottom:1.5px solid var(--gold);padding-bottom:2px;font-size:15px}
.link-gold:hover{color:var(--gold)}

/* ---------- Topbar ---------- */
.topbar{background:var(--ink-2);color:#cfd8e8;font-size:13.5px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:9px 0}
.tb-left{display:flex;gap:26px;flex-wrap:wrap}
.tb-left a{display:inline-flex;align-items:center;gap:8px}
.tb-left a:hover{color:var(--gold-2)}
.topbar svg{width:14px;height:14px;fill:var(--gold-2);flex:none}
.tb-right{color:var(--gold-lt);white-space:nowrap}
.tb-right .sep{display:inline-block;width:1px;height:12px;background:rgba(231,184,90,.5);margin:0 12px;vertical-align:middle}
.tb-right b{color:#fff;font-weight:600}

/* ---------- Header ---------- */
.header{position:sticky;top:0;z-index:900;background:#fff;border-bottom:1px solid var(--line);transition:box-shadow .3s}
.header.scrolled{box-shadow:0 14px 30px -22px rgba(6,26,58,.45)}
.header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;height:120px;transition:height .3s}
.header.scrolled .wrap{height:98px}
.logo img{height:108px;width:auto;transition:height .3s}
.header.scrolled .logo img{height:88px}
.nav{display:flex;align-items:center;gap:18px}
.nav>ul{list-style:none;display:flex;gap:2px}
.nav>ul>li{position:relative}
.nav>ul>li>a{display:flex;align-items:center;gap:6px;padding:12px 14px;font-weight:600;font-size:15.5px;color:var(--navy);border-radius:8px;white-space:nowrap}
.nav>ul>li>a:hover,.nav>ul>li.active>a{color:var(--gold)}
.nav>ul>li.active>a{position:relative}
.nav>ul>li.active>a::after{content:"";position:absolute;left:14px;right:14px;bottom:4px;height:2px;background:var(--gold-grad);border-radius:2px}
.caret{width:10px;height:10px;fill:currentColor;transition:transform .25s}
.nav li:hover .caret{transform:rotate(180deg)}
.dropdown{position:absolute;top:100%;left:0;min-width:280px;background:#fff;border-top:3px solid var(--gold);box-shadow:0 30px 60px -24px rgba(6,26,58,.4);padding:10px 0;opacity:0;visibility:hidden;transform:translateY(10px);transition:opacity .22s,transform .22s,visibility .22s;list-style:none;border-radius:0 0 12px 12px}
.nav li:hover>.dropdown,.nav li:focus-within>.dropdown{opacity:1;visibility:visible;transform:none}
.dropdown a{display:block;padding:9px 24px;font-size:14.5px;color:var(--text);transition:background .15s,color .15s}
.dropdown a:hover,.dropdown a.current{background:var(--mist);color:var(--gold)}
.burger{display:none;width:48px;height:48px;border-radius:12px;border:1px solid var(--line);background:#fff;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.burger span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px}

/* ---------- Mobile menu ---------- */
.mnav{position:fixed;inset:0;z-index:3000;background:#fff;transform:translateX(100%);transition:transform .35s ease;display:flex;flex-direction:column;overflow-y:auto;-webkit-overflow-scrolling:touch}
.mnav.open{transform:none}
.mnav-head{display:flex;justify-content:space-between;align-items:center;padding:10px 4%;border-bottom:1px solid var(--line);position:sticky;top:0;background:#fff;z-index:2}
.mnav-head img{height:66px;width:auto}
.mnav-close{width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:#fff;display:grid;place-items:center;cursor:pointer}
.mnav-close svg{width:18px;height:18px;fill:var(--navy)}
.mnav ul{list-style:none}
.mnav nav>ul>li{border-bottom:1px solid #EEF0F5}
.mnav nav a,.mnav .acc{display:flex;justify-content:space-between;align-items:center;width:100%;padding:11px 6%;font-size:14px;font-weight:600;color:var(--navy);background:none;border:0;font-family:inherit;text-align:left;cursor:pointer}
.mnav .acc svg{width:11px;height:11px;fill:var(--navy);transition:transform .25s}
.mnav li.open .acc svg{transform:rotate(180deg)}
.mnav .sub{display:none;background:var(--mist);padding:4px 0}
.mnav li.open .sub{display:block}
.mnav .sub a{font-weight:500;font-size:13px;padding:7px 9%;color:var(--text)}
.mnav-cta{padding:18px 6% 30px}
.mnav-cta .btn{width:100%;font-size:14px;padding:13px 20px}
.mnav-contact{padding:0 6% 30px;font-size:13px;color:var(--muted)}
.mnav-contact a{display:block;padding:3px 0;color:var(--navy);font-weight:600}

/* ---------- Hero slider ---------- */
.hero{position:relative;height:min(86vh,780px);min-height:620px;overflow:hidden;background:var(--ink);z-index:1}
.slide{position:absolute;inset:0;opacity:0;visibility:hidden;transition:opacity 1.1s ease,visibility 1.1s}
.slide.active{opacity:1;visibility:visible}
.slide-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transform:scale(1.1);transition:transform 8s ease-out}
.slide.active .slide-bg{transform:scale(1)}
.slide::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,26,58,.95) 0%,rgba(6,26,58,.86) 36%,rgba(6,26,58,.45) 66%,rgba(6,26,58,.2) 100%)}
.slide .wrap{position:relative;z-index:2;height:100%;display:grid;grid-template-columns:1.2fr .8fr;align-items:center;gap:48px}
.hero-pill{display:inline-flex;align-items:center;gap:10px;padding:7px 16px 7px 8px;border:1px solid rgba(231,184,90,.45);border-radius:999px;color:var(--gold-lt);font-size:13.5px;margin-bottom:24px}
.hero-pill i{width:26px;height:26px;border-radius:50%;background:var(--gold-grad);display:grid;place-items:center}
.hero-pill i svg{width:14px;height:14px;fill:var(--ink)}
.hero-copy h1{color:#fff;font-size:clamp(1.9rem,3.9vw,3.8rem);margin-bottom:20px;white-space:nowrap}
.hero-copy p.lead{color:#C9D3E4;max-width:540px;font-size:1.1rem;margin-bottom:34px}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap}
.hero-risk{margin-top:30px;font-size:12.5px;color:#93A2BD;max-width:520px}
.hero-arch{justify-self:end;position:relative;width:min(370px,100%);aspect-ratio:3/4}
.hero-arch img{position:relative;z-index:1;width:100%;height:100%;object-fit:cover;border-radius:999px 999px 16px 16px;box-shadow:0 40px 80px -30px rgba(0,0,0,.7)}
.hero-arch::before{content:"";position:absolute;inset:-18px;border:1.5px solid var(--gold-2);border-radius:999px 999px 24px 24px;transform:translate(22px,-8px)}
.hero-arch .tag{position:absolute;z-index:2;left:-38px;bottom:42px;background:#fff;border-radius:14px;padding:14px 18px;display:flex;gap:12px;align-items:center;box-shadow:var(--shadow);max-width:250px}
.hero-arch .tag i{width:40px;height:40px;border-radius:50%;background:var(--gold-grad);display:grid;place-items:center;flex:none}
.hero-arch .tag i svg{width:20px;height:20px;fill:var(--ink)}
.hero-arch .tag b{display:block;font-family:'Marcellus',serif;color:var(--navy);font-weight:400;font-size:15.5px;line-height:1.25}
.hero-arch .tag small{color:var(--muted);font-size:12.5px;line-height:1.3;display:block}
.hero-ctrl{position:absolute;z-index:5;left:7.5%;right:7.5%;bottom:34px;display:flex;justify-content:space-between;align-items:center;pointer-events:none}
.dots{display:flex;gap:10px;pointer-events:auto}
.dots button{width:34px;height:4px;border-radius:4px;border:0;background:rgba(255,255,255,.3);cursor:pointer;transition:background .3s,width .3s}
.dots button.on{background:var(--gold-2);width:58px}
.arrows{display:flex;gap:10px;pointer-events:auto}
.arrows button{width:46px;height:46px;border-radius:50%;border:1px solid rgba(255,255,255,.35);background:rgba(6,26,58,.35);cursor:pointer;display:grid;place-items:center;transition:background .2s}
.arrows button:hover{background:var(--gold)}
.arrows svg{width:16px;height:16px;fill:#fff}

/* ---------- Page hero ---------- */
.page-hero{position:relative;padding:110px 0 96px;overflow:hidden;background:var(--ink);z-index:1}
.page-hero>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.page-hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,26,58,.96) 0%,rgba(6,26,58,.82) 50%,rgba(6,26,58,.55) 100%)}
.page-hero .ring{position:absolute;z-index:2;right:-140px;top:-190px;width:560px;height:560px;border:1.5px solid rgba(231,184,90,.45);border-radius:50%}
.page-hero .ring.two{right:-60px;top:-110px;width:400px;height:400px;border-color:rgba(231,184,90,.22)}
.page-hero .wrap{position:relative;z-index:3}
.page-hero h1{color:#fff;font-size:clamp(1.6rem,3.6vw,3.2rem);white-space:nowrap}
.page-hero p{color:#C9D3E4;max-width:640px;margin-top:14px;font-size:1.05rem}
.crumbs{display:flex;gap:10px;align-items:center;color:#AEBBD2;font-size:14px;margin-top:18px;flex-wrap:wrap}
.crumbs a{color:var(--gold-2)}
.crumbs a:hover{text-decoration:underline}

/* ---------- Section headings ---------- */
.sec-head{max-width:780px;margin-bottom:54px}
.sec-head.center{text-align:center;margin-inline:auto}
.sec-head h2{font-size:clamp(1.5rem,2.9vw,2.7rem);margin-bottom:14px;white-space:nowrap}
.sec-head p{color:var(--muted);font-size:1.05rem}
.sec-head.light h2{color:#fff}
.sec-head.light p{color:#B9C4D8}
.bars{display:flex;align-items:flex-end;gap:4px;height:22px;margin-bottom:18px}
.bars i{display:block;width:7px;background:var(--gold-grad);border-radius:1px}
.bars i:nth-child(1){height:30%}.bars i:nth-child(2){height:50%}.bars i:nth-child(3){height:72%}.bars i:nth-child(4){height:100%}
.center .bars{justify-content:center}
.split-copy h2{font-size:clamp(1.5rem,2.7vw,2.5rem);margin-bottom:18px;white-space:nowrap}

/* ---------- Split layouts ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:stretch}
.split-copy{align-self:center;padding:10px 0}
.split-copy .lead{font-size:1.1rem;color:var(--navy)}
.split-copy p{color:var(--muted)}
.split-media{position:relative;min-height:480px}
.arch-img{position:absolute;inset:0;border-radius:300px 300px 18px 18px;overflow:hidden;z-index:1;background:var(--mist)}
.arch-img img{width:100%;height:100%;object-fit:cover}
.split-media::before{content:"";position:absolute;inset:-16px;border:1.5px solid var(--gold-2);border-radius:316px 316px 26px 26px;transform:translate(20px,-6px);pointer-events:none}
.split.img-left .split-media::before{transform:translate(-20px,-6px)}
.split-media .coin{position:absolute;z-index:2;width:38%;aspect-ratio:1;border-radius:50%;overflow:hidden;border:8px solid #fff;left:-36px;bottom:-30px;box-shadow:var(--shadow)}
.split-media .coin img{width:100%;height:100%;object-fit:cover}
.split.img-left .split-media .coin{left:auto;right:-36px}
.sec-mist .split-media .coin{border-color:var(--mist)}
.ticks{list-style:none;display:grid;gap:12px;margin:24px 0 30px}
.ticks.two{grid-template-columns:1fr 1fr;gap:12px 24px}
.ticks li{display:flex;gap:12px;align-items:flex-start;color:var(--text);font-weight:500}
.ticks li svg{width:22px;height:22px;flex:none;margin-top:2px}
.id-card{display:flex;gap:18px;align-items:center;border:1px solid var(--line);border-radius:16px;padding:18px 22px;margin-top:28px;background:#fff}
.id-card i{width:50px;height:50px;border-radius:50%;background:var(--navy);display:grid;place-items:center;flex:none}
.id-card i svg{width:24px;height:24px;fill:var(--gold-2)}
.id-card b{display:block;color:var(--navy);font-size:15.5px}
.id-card span{font-size:14px;color:var(--muted)}

/* ---------- Grids & cards ---------- */
.grid{display:grid;gap:30px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.svc-card{background:#fff;border-radius:14px;overflow:hidden;border:1px solid var(--line);display:flex;flex-direction:column;transition:box-shadow .25s,transform .25s}
.svc-card:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
.svc-card .ph{display:block;aspect-ratio:16/10;overflow:hidden;background:var(--mist)}
.svc-card .ph img{width:100%;height:100%;object-fit:cover;transition:transform .6s ease}
.svc-card:hover .ph img{transform:scale(1.06)}
.svc-card .bd{padding:24px 28px 30px;display:flex;flex-direction:column;flex:1}
.svc-card h3{font-size:1.38rem;margin-bottom:10px;white-space:nowrap}
.svc-card p{color:var(--muted);font-size:15.5px;flex:1;margin-bottom:20px}
.chip{display:inline-block;align-self:flex-start;background:var(--gold-lt);color:#7A5214;font-size:12.5px;font-weight:600;padding:4px 12px;border-radius:999px;margin-bottom:12px}

/* ---------- Goals arches ---------- */
.goals{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;align-items:start}
.goal{position:relative;aspect-ratio:3/4.3;border-radius:999px 999px 16px 16px;overflow:hidden;display:block;background:var(--navy)}
.goal:nth-child(even){margin-top:56px}
.goal img{width:100%;height:100%;object-fit:cover;transition:transform .7s ease}
.goal:hover img{transform:scale(1.05)}
.goal::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 40%,rgba(6,26,58,.92))}
.goal span{position:absolute;z-index:2;bottom:26px;left:18px;right:18px;text-align:center;color:#fff;font-family:'Marcellus',serif;font-size:1.3rem;line-height:1.25}
.goal small{display:block;font-family:'Albert Sans',sans-serif;font-size:13px;color:var(--gold-lt);margin-top:6px}

/* ---------- Process ---------- */
.sec-navy{background:var(--ink);position:relative;overflow:hidden}
.sec-navy .ring{position:absolute;left:-220px;bottom:-320px;width:640px;height:640px;border:1.5px solid rgba(231,184,90,.28);border-radius:50%}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative;z-index:2}
.step{padding:34px 28px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:20px 20px 20px 20px}
.step .n{font-family:'Marcellus',serif;font-size:2.7rem;line-height:1;background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent;display:block;margin-bottom:18px}
.step h3{color:#fff;font-size:1.3rem;margin-bottom:10px;white-space:nowrap}
.step p{color:#AEBBD2;font-size:15px}
.sec-light .step{background:#fff;border-color:var(--line)}
.sec-light .step h3{color:var(--navy)}
.sec-light .step p{color:var(--muted)}

/* ---------- Disclosure band ---------- */
.band{position:relative;padding:130px 0;text-align:center;overflow:hidden;background:var(--ink)}
.band>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.band::after{content:"";position:absolute;inset:0;background:rgba(6,26,58,.84)}
.band .wrap{position:relative;z-index:2}
.band .q{font-family:'Marcellus',serif;color:#fff;font-size:clamp(1.3rem,2.6vw,2.3rem);line-height:1.35;max-width:980px;margin:0 auto 20px}
.band p{color:#B9C4D8;max-width:760px;margin:0 auto;font-size:15px}
.band .bars{justify-content:center}

/* ---------- AMC carousel ---------- */
.marquee{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);padding:6px 0}
.track{display:flex;gap:22px;width:max-content;animation:marquee 60s linear infinite}
.marquee:hover .track{animation-play-state:paused}
.amc{width:210px;height:108px;background:#fff;border:1px solid var(--line);border-radius:16px;display:grid;place-items:center;padding:16px;flex:none}
.amc img{max-height:66px;max-width:170px;object-fit:contain}
.amc span{display:none;font-weight:700;color:var(--navy);text-align:center;font-size:14.5px;line-height:1.3}
.amc.noimg img{display:none}
.amc.noimg span{display:block}
@keyframes marquee{to{transform:translateX(-50%)}}
.amc-note{text-align:center;color:var(--muted);font-size:13.5px;margin-top:26px}

/* ---------- Blog cards ---------- */
.post{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .25s}
.post:hover{box-shadow:var(--shadow)}
.post .ph{aspect-ratio:16/10;overflow:hidden;background:var(--mist)}
.post .ph img{width:100%;height:100%;object-fit:cover;transition:transform .6s}
.post:hover .ph img{transform:scale(1.05)}
.post .bd{padding:24px 26px 28px;display:flex;flex-direction:column;flex:1}
.post .meta{font-size:13px;color:var(--muted);margin-bottom:10px;display:flex;gap:14px}
.post .meta b{color:var(--gold);font-weight:600}
.post h3{font-size:1.3rem;margin-bottom:10px}
.post p{color:var(--muted);font-size:15px;flex:1;margin-bottom:18px}

/* ---------- CTA band ---------- */
.cta{background:var(--navy);border-radius:30px;padding:64px 64px;display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center;position:relative;overflow:hidden}
.cta::before{content:"";position:absolute;right:-120px;top:-160px;width:460px;height:460px;border:1.5px solid rgba(231,184,90,.45);border-radius:50%}
.cta::after{content:"";position:absolute;right:-40px;top:-80px;width:300px;height:300px;border:1.5px solid rgba(231,184,90,.22);border-radius:50%}
.cta h2{color:#fff;font-size:clamp(1.45rem,2.6vw,2.4rem);margin-bottom:12px;white-space:nowrap}
.cta p{color:#B9C4D8}
.cta .acts{display:flex;gap:14px;flex-wrap:wrap;justify-content:flex-end;position:relative;z-index:2}

/* ---------- Products ---------- */
.prod-group{margin-bottom:80px}
.prod-group:last-child{margin-bottom:0}
.prod-group>h2{font-size:clamp(1.4rem,2.4vw,2.1rem);margin-bottom:8px;white-space:nowrap}
.prod-group>p{color:var(--muted);margin-bottom:34px;max-width:760px}
.filter{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;margin-bottom:50px}
.filter a{padding:10px 22px;border-radius:999px;border:1px solid var(--line);font-weight:600;font-size:14.5px;color:var(--navy);background:#fff}
.filter a:hover{border-color:var(--gold);color:var(--gold)}

/* ---------- Prose (policy / blog) ---------- */
.prose{padding:80px 0 100px}
.prose .updated{display:inline-block;background:var(--mist);border-radius:999px;padding:6px 16px;font-size:13.5px;color:var(--muted);margin-bottom:26px}
.prose h2{font-size:clamp(1.3rem,2vw,1.7rem);margin:40px 0 14px}
.prose h2:first-of-type{margin-top:10px}
.prose h3{font-size:1.2rem;margin:26px 0 10px}
.prose p,.prose li{color:var(--text)}
.prose ul,.prose ol{padding-left:22px;margin-bottom:16px}
.prose li{margin-bottom:8px}
.prose a{color:var(--gold);font-weight:600;border-bottom:1px solid rgba(200,146,42,.4)}
.note{background:var(--mist);border-left:4px solid var(--gold);padding:20px 24px;border-radius:10px;margin:26px 0;color:var(--text)}
.note b{color:var(--navy)}
.tbl-wrap{overflow-x:auto;margin:20px 0 26px;border:1px solid var(--line);border-radius:14px}
table{border-collapse:collapse;width:100%;min-width:620px;font-size:15px}
th,td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--navy);color:#fff;font-weight:600}
tr:last-child td{border-bottom:0}
tr:nth-child(even) td{background:#FAFBFD}
.article{max-width:880px;margin-inline:auto}
.article .cover{border-radius:260px 260px 18px 18px;overflow:hidden;aspect-ratio:16/8;margin-bottom:40px;background:var(--mist)}
.article .cover img{width:100%;height:100%;object-fit:cover}
.article p,.article li{font-size:17px;line-height:1.8}
.article-nav{display:flex;justify-content:space-between;gap:20px;border-top:1px solid var(--line);margin-top:50px;padding-top:30px;flex-wrap:wrap}

/* ---------- Info cards (contact, grievance, links) ---------- */
.info{display:flex;gap:18px;align-items:flex-start;padding:22px 24px;border:1px solid var(--line);border-radius:16px;background:#fff;margin-bottom:16px}
.info i{width:48px;height:48px;border-radius:50%;background:var(--navy);display:grid;place-items:center;flex:none}
.info i svg{width:21px;height:21px;fill:var(--gold-2)}
.info b{display:block;font-family:'Marcellus',serif;font-weight:400;font-size:1.12rem;color:var(--navy);margin-bottom:2px}
.info span,.info a{color:var(--muted);font-size:15px;word-break:break-word}
.info a:hover{color:var(--gold)}
.lnk{display:flex;flex-direction:column;gap:6px;padding:26px 26px;border:1px solid var(--line);border-radius:18px;background:#fff;transition:border-color .2s,box-shadow .2s}
.lnk:hover{border-color:var(--gold);box-shadow:var(--shadow)}
.lnk b{font-family:'Marcellus',serif;font-weight:400;font-size:1.2rem;color:var(--navy)}
.lnk span{color:var(--muted);font-size:14.5px}
.lnk em{font-style:normal;color:var(--gold);font-size:13.5px;font-weight:600;margin-top:6px;word-break:break-all}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:50px;align-items:start}
.form{background:var(--mist);padding:44px;border-radius:24px}
.form h2{font-size:clamp(1.4rem,2.3vw,2rem);margin-bottom:8px;white-space:nowrap}
.form>p{color:var(--muted);margin-bottom:24px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form label{display:block;font-size:13.5px;font-weight:600;color:var(--navy);margin-bottom:6px}
.fld{margin-bottom:16px}
.form input,.form select,.form textarea{width:100%;padding:14px 16px;border:1px solid #D5DBE7;border-radius:12px;font:inherit;font-size:15px;background:#fff;color:var(--text)}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(200,146,42,.18)}
.form textarea{min-height:120px;resize:vertical}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--muted);margin:6px 0 20px}
.consent input{width:18px;height:18px;margin-top:3px;flex:none;accent-color:var(--navy)}
.form-msg{margin-top:14px;font-size:14px;font-weight:600;color:var(--navy)}
.map{line-height:0}
.map iframe{width:100%;height:480px;border:0;display:block;filter:saturate(.85)}
.hours{display:inline-flex;gap:8px;align-items:center;background:var(--gold-lt);color:#6B470F;padding:6px 14px;border-radius:999px;font-size:13.5px;font-weight:600}

/* ---------- Footer ---------- */
.footer{background:var(--ink);color:#B4C0D6;padding-top:84px;position:relative;font-size:15px}
.footer::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:var(--gold-grad)}
.f-grid{display:grid;grid-template-columns:1.35fr .8fr 1.05fr 1.05fr 1.25fr;gap:44px}
.f-logo{display:block;background:#fff;border-radius:999px 999px 20px 20px;padding:26px 24px 20px;width:220px;margin-bottom:22px}
.f-logo img{width:100%;height:auto}
.footer h4{color:#fff;font-size:1.18rem;margin-bottom:18px;white-space:nowrap}
.footer ul{list-style:none}
.footer li a{display:block;padding:5px 0;font-size:14.5px;transition:color .15s}
.footer li a:hover{color:var(--gold-2)}
.arn-box{border:1px solid rgba(231,184,90,.4);border-radius:14px;padding:14px 18px;font-size:13.5px;line-height:1.6}
.arn-box b{color:var(--gold-lt);font-weight:600}
.f-contact li{display:flex;gap:10px;padding:5px 0;font-size:14.5px}
.f-contact svg{width:16px;height:16px;fill:var(--gold-2);flex:none;margin-top:4px}
.f-contact a:hover{color:var(--gold-2)}
.griev{background:rgba(255,255,255,.05);border-left:3px solid var(--gold);padding:16px 18px;border-radius:10px;margin-top:18px;font-size:14px}
.griev b{display:block;color:#fff;font-family:'Marcellus',serif;font-weight:400;font-size:1.05rem;margin-bottom:6px}
.griev a{display:block;color:var(--gold-lt)}
.griev a:hover{color:#fff}
.f-risk{border-top:1px solid rgba(255,255,255,.1);margin-top:60px;padding:28px 0;font-size:13px;color:#8E9BB3;line-height:1.7}
.f-risk b{color:#C9D3E4;font-weight:600}
.f-risk h4{font-size:1.1rem;margin-bottom:14px}
.f-risk p{margin-bottom:10px}
.f-risk a{color:var(--gold-2);text-decoration:underline}
.f-risk a:hover{color:#fff}
.copy{background:var(--ink-2);color:#8E9BB3;font-size:13.5px;padding:18px 0}
.copy .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}
.copy a{color:var(--gold-2)}
.copy a:hover{color:#fff}

/* ---------- Floating buttons ---------- */
.float-l{position:fixed;left:18px;bottom:22px;z-index:800;display:flex;flex-direction:column;gap:12px}
.fab{width:54px;height:54px;border-radius:50%;display:grid;place-items:center;box-shadow:0 12px 26px -10px rgba(0,0,0,.45);transition:transform .2s}
.fab:hover{transform:scale(1.08)}
.fab svg{width:26px;height:26px;fill:#fff}
.fab.wa{background:#25D366}
.fab.call{background:var(--navy);border:2px solid var(--gold-2)}
.fab.call svg{width:22px;height:22px;fill:var(--gold-2)}
.to-top{position:fixed;right:18px;bottom:22px;z-index:800;width:50px;height:50px;border-radius:50%;border:0;background:var(--gold-grad);display:grid;place-items:center;cursor:pointer;opacity:0;visibility:hidden;transform:translateY(12px);transition:.3s;box-shadow:0 12px 26px -10px rgba(156,106,30,.8)}
.to-top.show{opacity:1;visibility:visible;transform:none}
.to-top svg{width:18px;height:18px;fill:var(--ink)}

/* ---------- Disclaimer modal ---------- */
.modal{position:fixed;inset:0;z-index:4000;background:rgba(4,15,37,.74);display:none;align-items:center;justify-content:center;padding:18px;-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px)}
.modal.show{display:flex}
.modal-box{background:#fff;max-width:600px;width:100%;max-height:88vh;overflow-y:auto;-webkit-overflow-scrolling:touch;border-radius:22px;padding:42px 38px 32px;position:relative;border-top:5px solid var(--gold);animation:pop .35s ease}
@keyframes pop{from{opacity:0;transform:translateY(16px) scale(.98)}}
.modal-close{position:absolute;top:14px;right:14px;width:38px;height:38px;border-radius:50%;border:1px solid var(--line);background:#fff;cursor:pointer;display:grid;place-items:center}
.modal-close svg{width:15px;height:15px;fill:var(--navy)}
.modal-close:hover{background:var(--mist)}
.modal-box h3{font-size:1.6rem;margin-bottom:6px;padding-right:40px}
.modal-box .sub{color:var(--muted);font-size:14px;margin-bottom:18px}
.modal-box ul{padding-left:18px;font-size:14.5px;color:var(--text)}
.modal-box li{margin-bottom:8px}
.modal-acts{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}

/* ---------- Motion preference ---------- */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms !important;transition-duration:.01ms !important;scroll-behavior:auto !important}
  .track{animation:none;flex-wrap:wrap;width:auto;justify-content:center}
}

/* =========================================================
   Responsive
   ========================================================= */
@media (max-width:1320px){
  .nav>ul>li>a{padding:12px 10px;font-size:15px}
  .f-grid{grid-template-columns:1.3fr 1fr 1fr 1.2fr}
  .f-grid .f-col-quick{display:none}
}
@media (max-width:1180px){
  .nav>ul,.nav .btn{display:none}
  .burger{display:flex}
  .split{gap:60px}
  .goals{grid-template-columns:repeat(2,1fr)}
  .goal:nth-child(even){margin-top:0}
  .steps{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .cta{grid-template-columns:1fr;padding:54px 48px}
  .cta .acts{justify-content:flex-start}
}
@media (max-width:900px){
  .sec{padding:76px 0}
  .split,.contact-grid{grid-template-columns:1fr;gap:56px}
  .split-media{order:-1;min-height:380px;margin:16px 16px 0}
  .split-media .coin{width:32%}
  .slide .wrap{grid-template-columns:1fr}
  .hero-arch{display:none}
  .f-grid{grid-template-columns:1fr 1fr}
  .f-grid .f-col-quick{display:block}
}
@media (max-width:640px){
  body{font-size:15.5px}
  .wrap{width:90%}
  .sec{padding:64px 0}
  .topbar{font-size:12px}
  .topbar .wrap{justify-content:center;padding:7px 0}
  .tb-left{gap:14px;justify-content:center}
  .tb-right{display:none}
  .header .wrap,.header.scrolled .wrap{height:84px}
  .logo img,.header.scrolled .logo img{height:72px}
  .hero{height:auto;min-height:600px}
  .slide .wrap{padding:60px 0 100px}
  .hero-copy h1{font-size:clamp(1.45rem,6.6vw,2rem)}
  .hero-copy p.lead{font-size:1rem}
  .hero-pill{font-size:12px}
  .hero-ctrl{bottom:24px;left:5%;right:5%}
  .arrows button{width:40px;height:40px}
  .page-hero{padding:74px 0 66px}
  .page-hero h1{font-size:clamp(1.3rem,6.2vw,1.9rem)}
  .sec-head{margin-bottom:38px}
  .sec-head h2,.split-copy h2,.cta h2,.prod-group>h2,.form h2{font-size:clamp(1.2rem,5.6vw,1.6rem)}
  .svc-card h3,.step h3{font-size:1.2rem}
  .g3,.g2,.steps{grid-template-columns:1fr}
  .goals{gap:14px}
  .goal span{font-size:1.05rem;bottom:18px;left:10px;right:10px}
  .goal small{font-size:11.5px}
  .ticks.two{grid-template-columns:1fr}
  .split-media{min-height:300px;margin:14px 14px 0}
  .split-media .coin{left:-10px;bottom:-22px;border-width:6px}
  .split.img-left .split-media .coin{right:-10px}
  .cta{padding:42px 26px;border-radius:24px}
  .cta .btn{width:100%}
  .band{padding:90px 0}
  .form{padding:30px 22px}
  .form .row{grid-template-columns:1fr;gap:0}
  .f-grid{grid-template-columns:1fr;gap:36px}
  .copy .wrap{justify-content:center;text-align:center}
  .map iframe{height:360px}
  .modal-box{padding:36px 22px 24px;max-height:86vh}
  .modal-acts .btn{width:100%}
  .fab{width:48px;height:48px}
  .to-top{width:46px;height:46px}
  .article .cover{border-radius:140px 140px 14px 14px}
  .article p,.article li{font-size:16px}
}
@media (max-width:380px){
  .tb-left{font-size:11px;gap:10px}
  .hero-copy h1{white-space:normal}
}
@media (max-width:640px){
  .hero{min-height:640px}
  .hero-pill{white-space:nowrap;font-size:11px;padding-right:12px}
  .split-media::before,.split.img-left .split-media::before{inset:-10px;transform:translate(6px,-4px)}
}
.certs a{display:flex;align-items:center;gap:18px;padding:26px 30px;border:1px solid var(--line);background:#fff;border-radius:16px;transition:border-color .2s,box-shadow .2s}
.certs a:hover{border-color:var(--gold);box-shadow:var(--shadow)}
.certs a>svg{width:26px;height:26px;fill:var(--gold);flex:none}
.certs b{display:block;font-family:'Marcellus',serif;font-weight:400;color:var(--navy);font-size:1.25rem;line-height:1.3}
.certs small{display:block;color:var(--muted);font-size:14px;line-height:1.4;margin-top:4px}
.form-alert{border-radius:12px;padding:14px 18px;font-size:14.5px;font-weight:500;margin-bottom:20px;line-height:1.5}
.form-alert.ok{background:#E4F4E9;border-left:4px solid #1E7A45;color:#14562F}
.form-alert.err{background:#FDECEC;border-left:4px solid #B33A3A;color:#8B1D1D}