:root {
  --navy: #0b2540;
  --navy-2: #12345a;
  --teal: #0e7c7b;
  --accent: #f2a541;
  --accent-dark: #d98c22;
  --bg: #f7f5f0;
  --card: #ffffff;
  --ink: #16202b;
  --ink-soft: #4b5866;
  --line: #e3e0d8;
  --serif: "Fraunces", Georgia, serif;
  --sans: "Inter", system-ui, -apple-system, sans-serif;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(11, 37, 64, 0.08);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: var(--bg); line-height: 1.6; -webkit-font-smoothing: antialiased; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 { font-family: var(--serif); margin: 0; line-height: 1.15; color: var(--navy); }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.6rem); font-weight: 600; }
h3 { font-size: 1.25rem; font-weight: 600; }
p { margin: 0; }

.wrap { width: min(1180px, 92%); margin: 0 auto; }
.narrow { width: min(820px, 92%); }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .4rem; padding: .85rem 1.5rem; border-radius: 999px; font-weight: 600; font-size: .95rem; border: 2px solid transparent; cursor: pointer; transition: transform .15s ease, background .2s ease, box-shadow .2s ease; font-family: var(--sans); }
.btn:hover { transform: translateY(-2px); }
.btn-accent { background: var(--accent); color: var(--navy); box-shadow: 0 6px 18px rgba(242, 165, 65, .35); }
.btn-accent:hover { background: var(--accent-dark); }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-2); }
.btn-ghost { border-color: rgba(255,255,255,.5); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.1); }

.eyebrow { text-transform: uppercase; letter-spacing: .14em; font-size: .78rem; font-weight: 700; color: var(--teal); margin-bottom: .8rem; }
.eyebrow-light { color: var(--accent); }
.lede { color: var(--ink-soft); font-size: 1.05rem; margin-top: 1rem; }
.small-note { font-size: .85rem; color: var(--ink-soft); margin: 1rem 0 1.4rem; }

/* Topbar */
.topbar { background: var(--navy); color: #cfdbe6; font-size: .82rem; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: .5rem 0; flex-wrap: wrap; }
.topbar-contact { display: flex; gap: 1.4rem; flex-wrap: wrap; }
.topbar a:hover { color: #fff; }
.topbar-reg { font-weight: 600; color: var(--accent); }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); transition: box-shadow .2s; }
.site-header.is-scrolled { box-shadow: 0 4px 20px rgba(11,37,64,.08); }
.header-inner { display: flex; align-items: center; gap: 1.5rem; height: 76px; }
.brand { display: flex; align-items: center; gap: .7rem; }
.brand-mark { width: 44px; height: 44px; border-radius: 12px; background: linear-gradient(135deg, var(--navy), var(--teal)); color: var(--accent); display: grid; place-items: center; font-family: var(--serif); font-size: 1.5rem; font-weight: 700; flex-shrink: 0; }
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-name { font-family: var(--serif); font-weight: 700; font-size: 1.12rem; color: var(--navy); }
.brand-tag { font-size: .75rem; font-weight: 600; color: var(--teal); }
.brand-light .brand-name { color: #fff; }
.brand-light .brand-tag { color: var(--accent); }

.nav { display: flex; gap: 1.2rem; margin-left: auto; }
.nav-link { font-size: .92rem; font-weight: 500; color: var(--ink-soft); padding: .3rem 0; border-bottom: 2px solid transparent; }
.nav-link:hover, .nav-link.is-active { color: var(--navy); border-color: var(--accent); }
.header-cta { padding: .65rem 1.2rem; }
.nav-toggle { display: none; margin-left: auto; background: none; border: 0; cursor: pointer; padding: .4rem; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: .2s; }

/* Hero */
.hero { background: radial-gradient(1200px 500px at 85% 0%, rgba(14,124,123,.45), transparent 60%), linear-gradient(160deg, var(--navy) 0%, #0d2f4f 100%); color: #fff; padding: 5.5rem 0 6rem; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 3rem; align-items: center; }
.hero h1 { color: #fff; font-size: clamp(2.4rem, 5.5vw, 4rem); font-weight: 700; }
.hero h1 span { color: var(--accent); }
.hero-lede { color: #c9d7e3; font-size: 1.12rem; margin: 1.4rem 0 2rem; max-width: 36rem; }
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; }
.hero-points { list-style: none; padding: 0; margin: 2rem 0 0; display: flex; flex-wrap: wrap; gap: .6rem 1.6rem; color: #cfdbe6; font-size: .9rem; }
.hero-points li::before { content: "✓"; color: var(--accent); font-weight: 700; margin-right: .45rem; }
.hero-card { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: 20px; padding: 1.6rem; backdrop-filter: blur(6px); }
.hero-card-label { font-size: .85rem; color: #cfdbe6; margin-bottom: 1rem; font-weight: 600; }
.hero-chart { width: 100%; height: auto; }
.hero-card-legend { display: flex; gap: 1.2rem; flex-wrap: wrap; font-size: .8rem; color: #cfdbe6; margin-top: .8rem; }
.dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: .4rem; vertical-align: middle; }
.dot-accent { background: var(--accent); }
.dot-muted { background: #9fb6c9; }
.hero-card-note { font-size: .72rem; color: #8ea5b9; margin-top: .8rem; }

/* Sections */
.section { padding: 5.5rem 0; }
.section-head { max-width: 760px; margin-bottom: 3rem; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }

/* Pillars */
.pillars { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.4rem; }
.pillar { background: var(--card); border-radius: var(--radius); padding: 2rem 1.6rem; box-shadow: var(--shadow); border-top: 4px solid var(--accent); }
.pillar-icon { font-size: 1.8rem; display: block; margin-bottom: 1rem; }
.pillar p { color: var(--ink-soft); font-size: .95rem; margin-top: .6rem; }

/* NRI */
.nri { background: #eef4f4; }
.tags { display: flex; flex-wrap: wrap; gap: .6rem; margin-top: 1.6rem; }
.tag { background: #fff; border: 1px solid #cfe2e1; color: var(--teal); font-weight: 600; font-size: .85rem; padding: .45rem .9rem; border-radius: 999px; }
.nri-card { background: var(--navy); color: #fff; border-radius: 20px; padding: 2.4rem; box-shadow: var(--shadow); }
.nri-card h3 { color: var(--accent); margin-bottom: 1.4rem; }
.mini-steps { margin: 0; padding-left: 1.2rem; display: grid; gap: .9rem; color: #d3dee8; }
.mini-steps b { color: #fff; }

/* About */
.split-reverse > :first-child { order: 0; }
.founder-card { background: var(--card); border-radius: 20px; padding: 2.6rem; box-shadow: var(--shadow); text-align: center; }
.founder-avatar { width: 120px; height: 120px; border-radius: 50%; margin: 0 auto 1.2rem; display: grid; place-items: center; background: linear-gradient(135deg, var(--navy), var(--teal)); color: var(--accent); font-family: var(--serif); font-size: 2.6rem; font-weight: 700; }
.founder-role { color: var(--teal); font-weight: 600; font-size: .9rem; margin-top: .3rem; }
.founder-facts { list-style: none; padding: 0; margin: 1.8rem 0 0; text-align: left; }
.founder-facts li { display: flex; justify-content: space-between; gap: 1rem; padding: .75rem 0; border-top: 1px solid var(--line); font-size: .92rem; }
.founder-facts b { color: var(--navy); }
.founder-facts span { color: var(--ink-soft); text-align: right; }
.checks { list-style: none; padding: 0; margin: 1.6rem 0 2rem; display: grid; gap: .7rem; }
.checks li { padding-left: 1.9rem; position: relative; }
.checks li::before { content: "✓"; position: absolute; left: 0; top: 0; width: 1.3rem; height: 1.3rem; border-radius: 50%; background: var(--teal); color: #fff; font-size: .75rem; display: grid; place-items: center; font-weight: 700; }

/* Services */
.services { background: var(--card); }
.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; }
.service { border: 1px solid var(--line); border-radius: var(--radius); padding: 1.8rem; transition: transform .2s, box-shadow .2s, border-color .2s; background: var(--bg); }
.service:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--accent); }
.service-icon { font-size: 1.8rem; display: block; margin-bottom: .9rem; }
.service p { color: var(--ink-soft); font-size: .94rem; margin-top: .6rem; }
.matrix-wrap { margin-top: 4rem; }
.matrix-title { text-align: center; margin-bottom: 1.4rem; font-size: 1.6rem; }
.table-scroll { overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow); }
.matrix { width: 100%; border-collapse: collapse; background: #fff; min-width: 720px; font-size: .94rem; }
.matrix th { background: var(--navy); color: #fff; text-align: left; padding: 1rem 1.2rem; font-weight: 600; }
.matrix td { padding: 1rem 1.2rem; border-top: 1px solid var(--line); color: var(--ink-soft); vertical-align: top; }
.matrix td b { color: var(--navy); }
.matrix tr:nth-child(even) td { background: #fafaf7; }

/* Process */
.process { background: linear-gradient(160deg, var(--navy), #0d2f4f); }
.process h2 { color: #fff; }
.process-grid { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; counter-reset: s; }
.process-grid li { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); padding: 1.4rem 1.5rem; color: #fff; font-weight: 600; display: flex; align-items: center; gap: 1rem; }
.process-grid span { font-family: var(--serif); font-size: 1.6rem; color: var(--accent); min-width: 2.4rem; }

/* Calculators */
.calc-tabs { display: flex; flex-wrap: wrap; justify-content: center; gap: .6rem; margin-bottom: 1.8rem; }
.calc-tab { font-family: var(--sans); border: 1px solid var(--line); background: #fff; color: var(--ink-soft); padding: .65rem 1.3rem; border-radius: 999px; font-weight: 600; cursor: pointer; font-size: .92rem; }
.calc-tab.is-active { background: var(--navy); color: #fff; border-color: var(--navy); }
.calc-card { display: grid; grid-template-columns: 1fr 1fr; gap: 0; background: #fff; border-radius: 20px; box-shadow: var(--shadow); overflow: hidden; }
.calc-form { padding: 2.2rem; display: grid; gap: 1.3rem; align-content: start; }
.field label { display: flex; justify-content: space-between; font-weight: 600; font-size: .9rem; color: var(--navy); margin-bottom: .5rem; }
.field output { color: var(--teal); }
.field input[type="range"] { width: 100%; accent-color: var(--teal); }
.calc-result { background: linear-gradient(160deg, var(--navy), #0d2f4f); color: #fff; padding: 2.2rem; display: grid; gap: 1.1rem; align-content: start; }
.res-row { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; border-bottom: 1px solid rgba(255,255,255,.12); padding-bottom: .8rem; }
.res-row span { color: #c9d7e3; font-size: .92rem; }
.res-row b { font-size: 1.15rem; }
.res-main { border: 0; padding: 0; margin-top: .4rem; flex-direction: column; align-items: flex-start; gap: .2rem; }
.res-main b { font-family: var(--serif); font-size: 2.3rem; color: var(--accent); }
.bar { height: 12px; border-radius: 999px; background: rgba(255,255,255,.12); overflow: hidden; display: flex; }
.bar i { display: block; height: 100%; }
.bar .b1 { background: #9fb6c9; }
.bar .b2 { background: var(--accent); }
.bar-legend { display: flex; gap: 1.2rem; font-size: .8rem; color: #c9d7e3; }
.disclaimer { text-align: center; font-size: .82rem; color: var(--ink-soft); margin-top: 1.2rem; }

/* Profiler */
.profiler { background: #eef4f4; }
.profiler-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 4rem; align-items: start; }
.quiz { background: #fff; border-radius: 20px; padding: 2.2rem; box-shadow: var(--shadow); }
.q { border: 0; padding: 0; margin: 0 0 1.6rem; }
.q legend { font-weight: 600; color: var(--navy); margin-bottom: .7rem; }
.q-opts { display: grid; gap: .5rem; }
.q-opts label { display: flex; gap: .6rem; align-items: center; border: 1px solid var(--line); border-radius: 10px; padding: .65rem .9rem; cursor: pointer; font-size: .93rem; transition: border-color .15s, background .15s; }
.q-opts label:hover { border-color: var(--teal); }
.q-opts input { accent-color: var(--teal); }
.q-opts label:has(input:checked) { border-color: var(--teal); background: #eef7f7; }
.quiz-result { margin-top: 1.4rem; }
.quiz-result .result-box { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 1.6rem; }
.result-box h3 { color: var(--accent); font-size: 1.5rem; }
.result-box p { color: #d3dee8; margin: .6rem 0 1.2rem; }
.quiz-error { color: #b4442f; font-weight: 600; }

/* Contact */
.contact-list { list-style: none; padding: 0; margin: 2rem 0 0; display: grid; gap: 1rem; }
.contact-list li { display: grid; gap: .1rem; }
.contact-list b { font-size: .8rem; text-transform: uppercase; letter-spacing: .1em; color: var(--teal); }
.contact-list a, .contact-list span { color: var(--navy); font-weight: 500; }
.contact-form { background: #fff; border-radius: 20px; padding: 2.2rem; box-shadow: var(--shadow); display: grid; gap: 1rem; }
.contact-form label { display: grid; gap: .35rem; font-weight: 600; font-size: .9rem; color: var(--navy); }
.contact-form input, .contact-form select { font: inherit; font-weight: 400; padding: .75rem .9rem; border: 1px solid var(--line); border-radius: 10px; background: var(--bg); }
.contact-form input:focus, .contact-form select:focus { outline: 2px solid var(--teal); border-color: transparent; }
.contact-form .small-note { margin: 0; }

/* Closing */
.closing { background: linear-gradient(120deg, var(--teal), var(--navy)); padding: 4rem 0; }
.closing-inner { display: flex; justify-content: space-between; align-items: center; gap: 2rem; flex-wrap: wrap; }
.closing h2 { color: #fff; max-width: 640px; }

/* FAQ */
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; margin-bottom: .8rem; }
.faq summary { padding: 1.1rem 1.4rem; font-weight: 600; color: var(--navy); cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.3rem; color: var(--teal); line-height: 1; }
.faq details[open] summary::after { content: "−"; }
.faq details p { padding: 0 1.4rem 1.2rem; color: var(--ink-soft); }

/* Regulatory */
.regulatory { background: #fff8ec; border-top: 1px solid #f1dfbd; padding: 2.4rem 0; font-size: .85rem; color: var(--ink-soft); }
.risk-line { font-weight: 700; color: var(--navy); font-size: 1rem; margin-bottom: .7rem; }

/* Footer */
.site-footer { background: #081b2f; color: #a9bccd; padding: 4rem 0 0; font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 2.5rem; }
.footer-grid h4 { color: #fff; font-family: var(--sans); font-size: .85rem; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 1rem; }
.footer-grid a { display: block; margin-bottom: .5rem; }
.footer-grid a:hover { color: var(--accent); }
.footer-grid p { margin-bottom: .6rem; }
.footer-about { margin-top: 1.2rem; max-width: 300px; }
.footer-bottom { display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; border-top: 1px solid rgba(255,255,255,.1); margin-top: 3rem; padding: 1.4rem 0; font-size: .82rem; }
.footer-legal { display: flex; flex-wrap: wrap; gap: 1.2rem; }
.footer-legal a:hover { color: var(--accent); }

/* WhatsApp float */
.wa-float { position: fixed; right: 22px; bottom: 22px; width: 58px; height: 58px; border-radius: 50%; background: #25d366; display: grid; place-items: center; box-shadow: 0 8px 24px rgba(0,0,0,.25); z-index: 60; transition: transform .2s; }
.wa-float:hover { transform: scale(1.08); }

/* Responsive */
@media (max-width: 1240px) {
  .nav { position: fixed; inset: 76px 0 auto 0; background: #fff; flex-direction: column; gap: 0; padding: 1rem 4%; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); transform: translateY(-120%); transition: transform .3s ease; z-index: 40; }
  .nav.is-open { transform: translateY(0); }
  .nav-link { padding: .8rem 0; border-bottom: 1px solid var(--line); }
  .nav-toggle { display: block; }
  .header-cta { display: none; }
}
@media (max-width: 900px) {
  .hero-grid, .split, .calc-card, .profiler-grid { grid-template-columns: 1fr; gap: 2.4rem; }
  .pillars { grid-template-columns: repeat(2, 1fr); }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .section { padding: 4rem 0; }
}
@media (max-width: 560px) {
  .pillars, .service-grid, .process-grid, .footer-grid { grid-template-columns: 1fr; }
  .topbar-reg { display: none; }
  .brand-tag { font-size: .66rem; }
  .brand-name { font-size: 1rem; }
  .hero { padding: 3.5rem 0 4rem; }
  .calc-form, .calc-result, .quiz, .contact-form { padding: 1.5rem; }
}

/* Compliance */
.badge { display: inline-block; margin-top: .5rem; font-size: .72rem; font-weight: 700; letter-spacing: .04em; padding: .25rem .6rem; border-radius: 999px; background: #f1ece2; color: #8a6a2f; }
.badge-live { background: #e2f2f1; color: var(--teal); }
.compliance { background: #fff; }
.comp-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; }
.comp-card { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.8rem; }
.comp-card h3 { margin-bottom: 1rem; }
.comp-card ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .7rem; font-size: .92rem; color: var(--ink-soft); }
.comp-card li { padding-left: 1rem; border-left: 2px solid var(--accent); }
.comp-card a, .comp-wide a, .policy a { color: var(--teal); text-decoration: underline; }
.comp-card b { color: var(--navy); }
.comp-wide { margin-top: 2rem; background: var(--navy); color: #d3dee8; border-radius: 20px; padding: 2.2rem; }
.comp-wide h3 { color: var(--accent); margin-bottom: 1rem; }
.comp-wide b { color: #fff; }
.comp-wide a { color: var(--accent); }
.comp-wide .small-note { color: #b8c8d6; margin: 1rem 0 0; }
.escalation { margin: 0; padding-left: 1.3rem; display: grid; gap: .7rem; }
.policy-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 2rem; align-items: start; }
.policy { background: var(--bg); border: 1px solid var(--line); border-radius: 12px; }
.policy summary { padding: 1.1rem 1.4rem; font-weight: 600; color: var(--navy); cursor: pointer; }
.policy p { padding: 0 1.4rem 1.2rem; color: var(--ink-soft); font-size: .92rem; }
@media (max-width: 900px) { .comp-grid, .policy-grid { grid-template-columns: 1fr; } }

/* ---------- Multi-page: dropdown nav ---------- */
.nav { align-items: center; }
.nav-dd { position: relative; }
.dd-toggle { background: none; border: 0; border-bottom: 2px solid transparent; font: inherit; font-size: .92rem; font-weight: 500; color: var(--ink-soft); cursor: pointer; padding: .3rem 0; display: inline-flex; gap: .25rem; align-items: center; }
.dd-toggle:hover, .dd-toggle.is-active { color: var(--navy); border-color: var(--accent); }
.caret { font-size: .7rem; transition: transform .2s; }
.dd-menu { position: absolute; top: calc(100% + 14px); left: -1rem; min-width: 250px; background: #fff; border: 1px solid var(--line); border-radius: 12px; box-shadow: 0 16px 40px rgba(11,37,64,.14); padding: .5rem; display: grid; opacity: 0; visibility: hidden; transform: translateY(6px); transition: .18s ease; z-index: 70; }
.dd-menu::before { content: ""; position: absolute; top: -16px; left: 0; right: 0; height: 16px; }
.dd-menu a { padding: .6rem .8rem; border-radius: 8px; font-size: .9rem; color: var(--ink); font-weight: 500; }
.dd-menu a:hover, .dd-menu a.is-active { background: #eef4f4; color: var(--teal); }
.nav-dd:hover .dd-menu, .nav-dd.is-open .dd-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-dd:hover .caret, .nav-dd.is-open .caret { transform: rotate(180deg); }
.nav a.is-active { color: var(--navy); border-color: var(--accent); }

/* ---------- Inner page hero ---------- */
.page-hero { background: radial-gradient(900px 400px at 90% 0%, rgba(14,124,123,.45), transparent 60%), linear-gradient(160deg, var(--navy), #0d2f4f); color: #fff; padding: 4.5rem 0 4.8rem; }
.page-hero-sm { padding: 3.5rem 0 3.8rem; }
.page-hero h1 { color: #fff; font-size: clamp(2.1rem, 4.6vw, 3.3rem); font-weight: 700; max-width: 820px; }
.page-hero .hero-lede { margin: 1.1rem 0 1.8rem; max-width: 760px; }
.page-hero-sm .hero-lede { margin-bottom: 0; }
.crumbs { font-size: .85rem; color: #9fb6c9; margin-bottom: 1.2rem; }
.crumbs a:hover { color: var(--accent); }

.split-top { align-items: start; }
.alt { background: #eef4f4; }
.facts-card { background: #fff; border-radius: 20px; box-shadow: var(--shadow); padding: 2rem; border-top: 4px solid var(--accent); }
.facts-card h3 { margin-bottom: 1rem; }
.facts-card dl { margin: 0 0 1.5rem; }
.facts-card dt { font-size: .75rem; text-transform: uppercase; letter-spacing: .1em; font-weight: 700; color: var(--teal); margin-top: 1rem; }
.facts-card dd { margin: .25rem 0 0; color: var(--ink); font-size: .95rem; }
.mini-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.mini-card { background: #fff; border-radius: var(--radius); padding: 1.6rem; box-shadow: var(--shadow); }
.mini-card p { color: var(--ink-soft); font-size: .93rem; margin-top: .5rem; }
.mode-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; }
.mode { border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; background: #fff; }
.mode h4 { font-size: 1.1rem; color: var(--teal); }
.mode p { color: var(--ink-soft); font-size: .92rem; margin-top: .5rem; }
.how-list { list-style: none; padding: 0; margin: 1.6rem 0 0; display: grid; gap: .9rem; }
.how-list li { display: flex; gap: 1rem; align-items: center; color: #fff; font-weight: 500; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 12px; padding: 1rem 1.2rem; }
.how-list span { font-family: var(--serif); color: var(--accent); font-size: 1.4rem; min-width: 2.2rem; }
.risk-card { background: #fff8ec; border-radius: 20px; padding: 2rem; }
.risk-card h3 { margin-bottom: 1rem; }
.risk-card ul { margin: 0; padding-left: 1.2rem; display: grid; gap: .7rem; color: var(--ink-soft); }
.other-grid { display: flex; flex-wrap: wrap; gap: .8rem; justify-content: center; }
.other-link { border: 1px solid var(--line); background: #fff; padding: .75rem 1.2rem; border-radius: 999px; font-weight: 600; color: var(--navy); font-size: .92rem; }
.other-link:hover { border-color: var(--accent); color: var(--teal); }
.text-link { display: inline-block; margin-top: 1rem; font-weight: 600; color: var(--teal); font-size: .92rem; }
.service h3 a:hover { color: var(--teal); }
.calc-links { display: flex; flex-wrap: wrap; justify-content: center; gap: .5rem 1.2rem; margin-top: 1.4rem; font-size: .9rem; }
.calc-links a { color: var(--teal); font-weight: 600; text-decoration: underline; }
.founder-photo { width: 100%; height: auto; max-width: 300px; aspect-ratio: 3 / 4; object-fit: cover; object-position: center 30%; border-radius: 16px; margin: 0 auto 1.4rem; display: block; box-shadow: var(--shadow); }
.sub-h { margin: 2rem 0 .2rem; }
.footer-grid-5 { grid-template-columns: 1.4fr 1fr 1.1fr 1.1fr 1.3fr; }

@media (max-width: 1240px) {
  .nav { align-items: stretch; max-height: calc(100vh - 76px); overflow-y: auto; }
  .nav-dd { border-bottom: 1px solid var(--line); }
  .dd-toggle { width: 100%; justify-content: space-between; padding: .8rem 0; border: 0; }
  .dd-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 0 0 .6rem .8rem; min-width: 0; display: none; }
  .nav-dd.is-open .dd-menu { display: grid; }
  .nav-dd:hover .dd-menu { display: none; }
  .nav-dd.is-open:hover .dd-menu { display: grid; }
}
@media (max-width: 900px) {
  .mini-grid { grid-template-columns: repeat(2, 1fr); }
  .mode-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid-5 { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .mini-grid, .mode-grid, .footer-grid-5 { grid-template-columns: 1fr; }
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.contact-form textarea { font: inherit; font-weight: 400; padding: .75rem .9rem; border: 1px solid var(--line); border-radius: 10px; background: var(--bg); resize: vertical; }
.contact-form textarea:focus { outline: 2px solid var(--teal); border-color: transparent; }
.opt { font-weight: 400; color: var(--ink-soft); font-size: .8rem; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }

/* ---------- Badges, strip, process page ---------- */
.hero-badges { list-style: none; padding: 0; margin: 2rem 0 0; display: flex; flex-wrap: wrap; gap: .6rem; }
.hero-badges li { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.18); color: #e6eef5; font-size: .85rem; font-weight: 600; padding: .45rem .85rem; border-radius: 999px; }
.hero-badges b { color: var(--accent); margin-right: .25rem; }
.cred-strip { background: #fff; border-bottom: 1px solid var(--line); }
.cred-strip-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.cred-strip-grid > div { padding: 1.6rem 1.2rem; text-align: center; border-right: 1px solid var(--line); display: grid; gap: .25rem; }
.cred-strip-grid > div:last-child { border-right: 0; }
.cred-strip-grid b { font-family: var(--serif); font-size: 1.6rem; color: var(--navy); }
.cred-strip-grid span { font-size: .85rem; color: var(--ink-soft); }
.center-cta { text-align: center; margin-top: 2.4rem; }
.stages { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; }
.stage { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); padding: 1.8rem 1.5rem; border-top: 4px solid var(--teal); display: grid; gap: .8rem; }
.stage-no { font-family: var(--serif); font-size: 2rem; color: var(--accent); }
.stage p { color: var(--ink-soft); font-size: .93rem; margin-top: .4rem; }
.onboard-grid { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; counter-reset: ob; }
.onboard-grid li { background: #fff; border-radius: var(--radius); padding: 1.5rem; position: relative; }
.ob-no { width: 2.2rem; height: 2.2rem; border-radius: 50%; background: var(--navy); color: var(--accent); display: grid; place-items: center; font-weight: 700; margin-bottom: .9rem; }
.onboard-grid h4 { font-size: 1.08rem; }
.onboard-grid p { color: var(--ink-soft); font-size: .9rem; margin-top: .4rem; }
.pull-quote { margin: 3rem auto 0; max-width: 760px; text-align: center; font-family: var(--serif); font-size: 1.5rem; color: var(--navy); border-left: 0; padding: 0 1rem; }
.pull-quote::before { content: "“"; color: var(--accent); }
.pull-quote::after { content: "”"; color: var(--accent); }
.vm-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1.6rem; }
.vm { background: #eef4f4; border-radius: 12px; padding: 1.2rem 1.3rem; }
.vm h4 { color: var(--teal); font-size: 1.05rem; }
.vm p { color: var(--ink-soft); font-size: .92rem; margin-top: .4rem; }
@media (max-width: 1080px) { .stages, .onboard-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 900px) { .cred-strip-grid { grid-template-columns: repeat(2, 1fr); } .cred-strip-grid > div:nth-child(2) { border-right: 0; } }
@media (max-width: 560px) { .stages, .onboard-grid, .vm-grid { grid-template-columns: 1fr; } }

.nav-link, .dd-toggle, .header-cta { white-space: nowrap; }
.brand-text { white-space: nowrap; }
@media (max-width: 560px) { .brand-text { white-space: normal; } }

/* ---------- Intellect & Integrity ---------- */
.stages-3 { grid-template-columns: repeat(3, 1fr); }
.ii { background: #fff; }
.ii-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.6rem; }
.ii-card { background: var(--bg); border: 1px solid var(--line); border-radius: 20px; padding: 2.2rem; }
.ii-card-dark { background: var(--navy); border-color: var(--navy); }
.ii-head { display: flex; align-items: center; gap: .8rem; margin-bottom: 1.4rem; }
.ii-icon { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; font-size: 1.6rem; background: #fff; box-shadow: var(--shadow); }
.ii-head h3 { font-size: 1.8rem; }
.ii-card-dark .ii-head h3 { color: var(--accent); }
.ii-card ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 1rem; }
.ii-card li { padding-left: 1.1rem; border-left: 3px solid var(--accent); color: var(--ink-soft); font-size: .96rem; }
.ii-card li b { color: var(--navy); display: block; margin-bottom: .15rem; }
.ii-card-dark li { color: #c9d7e3; }
.ii-card-dark li b { color: #fff; }
@media (max-width: 900px) { .ii-grid, .stages-3 { grid-template-columns: 1fr; } }
.stage { align-content: start; }