:root {
  --navy: #0d1b3d;
  --navy-2: #1d3a70;
  --navy-3: #16305f;
  --gold: #c9a227;
  --gold-dark: #a8861f;
  --gold-soft: #ffe9a8;
  --ink: #0f1c33;
  --muted: #64748b;
  --line: #e6eaf2;
  --bg: #f3f5fa;
  --section-alt: #f7f9fd;
  --radius: 14px;
  --shadow: 0 10px 34px rgba(13, 27, 61, 0.10);
  --shadow-lg: 0 22px 60px rgba(13, 27, 61, 0.18);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; font-family: 'Inter', 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
  color: var(--ink); background: #fff; font-size: 15px; line-height: 1.6;
}
img { max-width: 100%; }
a { color: var(--navy-2); }
.container { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 22px; }
.container-sm { max-width: 820px; }
.page-wrap { min-height: 50vh; }

/* ---------- Topbar ---------- */
.topbar { background: var(--navy); color: #cdd7ec; font-size: 12.5px; }
.topbar-inner { display: flex; align-items: center; justify-content: space-between; min-height: 38px; gap: 14px; flex-wrap: wrap; }
.topbar a { color: #cdd7ec; text-decoration: none; display: inline-flex; align-items: center; gap: 6px; }
.topbar a:hover { color: var(--gold-soft); }
.topbar-left { display: flex; gap: 20px; align-items: center; }
.topbar-right { display: flex; gap: 16px; align-items: center; }
.topbar-right a { font-weight: 500; }
.ico { width: 14px; height: 14px; }
.topbar-sep { color: #6b7ca3; }
.notif-dot {
  display: inline-block; background: var(--gold); color: var(--navy);
  border-radius: 20px; font-size: 10.5px; font-weight: 800; padding: 0 6px; margin-left: 2px;
}

/* ---------- Site header ---------- */
.site-header {
  background: #fff; border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 60;
}
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: 74px; gap: 20px; }
.logo-link { display: inline-flex; align-items: center; }
.logo-img { height: 52px; width: auto; display: block; }
.main-nav { display: flex; align-items: center; gap: 6px; }
.main-nav > a, .nav-drop-btn {
  color: var(--ink); text-decoration: none; font-weight: 600; font-size: 14px;
  padding: 9px 12px; border-radius: 8px; border: none; background: none; cursor: pointer;
  font-family: inherit; display: inline-flex; align-items: center; gap: 5px;
}
.main-nav > a:hover, .nav-drop-btn:hover, .main-nav > a.active { color: var(--navy-2); background: #eef2fb; }
.nav-drop { position: relative; }
.nav-drop-menu {
  position: absolute; top: 100%; left: 0; min-width: 280px; background: #fff;
  border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow-lg);
  padding: 8px; display: none; z-index: 70; max-height: 78vh; overflow-y: auto;
}
.nav-drop:hover .nav-drop-menu, .nav-drop.open .nav-drop-menu { display: block; }
.nav-drop-menu a { display: block; padding: 9px 12px; border-radius: 8px; color: var(--ink); text-decoration: none; font-size: 13.5px; }
.nav-drop-menu a:hover { background: #f1f4fb; color: var(--navy-2); }
.nav-drop-menu a { font-weight: 500; }
.caret { width: 13px; height: 13px; }
.nav-cta { margin-left: 4px; }
.nav-toggle {
  display: none; flex-direction: column; gap: 5px; background: none; border: none;
  cursor: pointer; padding: 8px;
}
.nav-toggle span { width: 24px; height: 2.5px; background: var(--navy); border-radius: 3px; }
@media (max-width: 980px) {
  .nav-toggle { display: flex; }
  .main-nav {
    position: fixed; inset: 0 0 auto 0; top: 112px; background: #fff; flex-direction: column;
    align-items: stretch; padding: 14px 22px 22px; gap: 4px; box-shadow: var(--shadow-lg);
    display: none; z-index: 65; max-height: calc(100vh - 112px); overflow-y: auto;
  }
  .main-nav.open { display: flex; }
  .nav-drop-menu { position: static; box-shadow: none; border: none; padding: 0 0 0 14px; display: none; }
  .nav-drop.open .nav-drop-menu { display: block; max-height: none; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  border: 1px solid transparent; border-radius: 10px; font-weight: 700; font-size: 14px;
  font-family: inherit; padding: 11px 20px; cursor: pointer; text-decoration: none;
  transition: background 0.15s, color 0.15s, transform 0.1s, box-shadow 0.15s;
  line-height: 1.2;
}
.btn:hover { transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: #101d3a; }
.btn-gold:hover { background: var(--gold-dark); color: #fff; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-2); }
.btn-outline { background: #fff; border-color: #cbd5e1; color: var(--ink); }
.btn-outline:hover { border-color: var(--navy-2); color: var(--navy-2); }
.btn-outline-light { background: transparent; border-color: rgba(255,255,255,0.5); color: #fff; }
.btn-outline-light:hover { background: rgba(255,255,255,0.12); border-color: #fff; }
.btn-danger { background: #dc3545; color: #fff; }
.btn-success { background: #28a745; color: #fff; }
.btn-block { display: flex; width: 100%; }
.btn-sm { padding: 8px 14px; font-size: 13px; }
.btn-xs { padding: 5px 10px; font-size: 12.5px; border-radius: 8px; }
.btn-lg { padding: 14px 28px; font-size: 15.5px; }
.btn-link-center { display: block; text-align: center; color: var(--navy-2); font-weight: 600; text-decoration: none; font-size: 13.5px; margin-top: 14px; }
.btn-link-center:hover { color: var(--gold-dark); }
.link-btn { color: var(--navy-2); font-weight: 600; text-decoration: none; font-size: 13.5px; background: none; border: none; cursor: pointer; font-family: inherit; padding: 0; }
.link-btn:hover { color: var(--gold-dark); }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, #0a1733 0%, #0d1b3d 55%, #16305f 100%);
  color: #fff; position: relative; overflow: hidden;
  background-size: cover; background-position: center;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(700px 420px at 80% 10%, rgba(201,162,39,0.16), transparent 60%),
              radial-gradient(600px 500px at 8% 90%, rgba(29,58,112,0.7), transparent 65%);
}
.hero-inner { position: relative; display: grid; grid-template-columns: 1.5fr 1fr; gap: 46px; padding: 72px 22px 80px; align-items: center; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 9px; color: var(--gold-soft);
  font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
  background: rgba(201,162,39,0.12); border: 1px solid rgba(201,162,39,0.35);
  padding: 7px 14px; border-radius: 30px; margin-bottom: 20px;
}
.hero-eyebrow .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--gold); }
.hero h1 { font-family: 'Playfair Display', Georgia, serif; font-size: 46px; line-height: 1.12; margin: 0 0 18px; font-weight: 800; }
.hero h1 .accent { color: var(--gold); }
.hero-sub { color: #b9c7e2; font-size: 16.5px; max-width: 560px; margin: 0 0 26px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 30px; }
.hero-features { display: flex; flex-wrap: wrap; gap: 12px; max-width: 580px; }
.hfeature {
  display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.14); padding: 8px 13px; border-radius: 10px;
  font-size: 12.5px; color: #dbe4f5; font-weight: 500;
}
.hfeature svg { width: 15px; height: 15px; color: var(--gold); }
.hero-card { background: #fff; color: var(--ink); border-radius: 18px; padding: 28px; box-shadow: var(--shadow-lg); }
.card-inner { display: flex; flex-direction: column; gap: 12px; text-align: left; }
.card-inner h3 { font-family: 'Playfair Display', Georgia, serif; font-size: 22px; margin: 0; color: var(--navy); }
.card-inner p { color: var(--muted); font-size: 14px; margin: 0; }
.minicard-label { font-size: 11px; font-weight: 800; letter-spacing: 0.14em; color: var(--gold-dark); text-transform: uppercase; }
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; padding: 44px 22px 54px; }
  .hero h1 { font-size: 34px; }
  .hero-card { max-width: 480px; }
}

/* ---------- Trust strip ---------- */
.trust-strip { background: #fff; border-bottom: 1px solid var(--line); padding: 16px 0; }
.trust-strip .container { display: flex; flex-direction: column; gap: 10px; }
.trust-label { font-size: 11px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: #9aa7bd; }
.trust-logos { display: flex; gap: 14px 32px; flex-wrap: wrap; }
.trust-logos span { font-family: 'Playfair Display', Georgia, serif; font-weight: 700; font-size: 17px; color: #5b6b8f; letter-spacing: 0.02em; }

/* ---------- Sections ---------- */
.section { padding: 74px 0; }
.section-alt { background: var(--section-alt); }
.section-dark { background: linear-gradient(135deg, #0a1733, #142a56); color: #dbe4f5; }
.section-dark h2 { color: #fff; }
.section-head { max-width: 780px; margin: 0 auto 42px; text-align: center; }
.section-head .eyebrow { margin-bottom: 12px; }
.section-head h2 { font-family: 'Playfair Display', Georgia, serif; font-size: 34px; margin: 0 0 12px; color: var(--navy); line-height: 1.18; }
.section-head p { color: var(--muted); font-size: 15.5px; margin: 0; }
.eyebrow {
  display: inline-block; font-size: 11.5px; font-weight: 800; letter-spacing: 0.16em;
  text-transform: uppercase; color: var(--gold-dark); margin-bottom: 10px;
}
.eyebrow.light { color: var(--gold-soft); }
h2 { font-family: 'Playfair Display', Georgia, serif; color: var(--navy); }

/* ---------- Check list ---------- */
.check-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.check-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 14.5px; }
.check-list li svg { width: 17px; height: 17px; color: var(--gold-dark); flex: none; margin-top: 1px; }
.check-list.light li, .check-list.light li strong { color: #e6ecf9; }
.section-dark .check-list li { color: #e6ecf9; }

/* ---------- Services grid ---------- */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.all-grid { grid-template-columns: repeat(3, 1fr); }
.service-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px 24px; text-decoration: none; color: var(--ink);
  display: flex; flex-direction: column; gap: 10px; box-shadow: 0 2px 10px rgba(13,27,61,0.04);
  transition: transform 0.15s, box-shadow 0.15s, border-color 0.15s;
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: #c9d4e8; }
.sc-icon {
  width: 48px; height: 48px; border-radius: 12px; background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: var(--gold); display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', Georgia, serif; font-weight: 800; font-size: 17px;
}
.service-card h3 { margin: 0; font-family: 'Playfair Display', Georgia, serif; font-size: 20px; color: var(--navy); }
.service-card p { margin: 0; color: var(--muted); font-size: 13.5px; }
.sc-link { color: var(--gold-dark); font-weight: 700; font-size: 13px; margin-top: auto; }
@media (max-width: 960px) { .services-grid, .all-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px) { .services-grid, .all-grid { grid-template-columns: 1fr; } }
.center-cta { text-align: center; margin-top: 36px; }
.center-cta-inline { text-align: center; }
.center-cta-inline h2 { color: #fff; font-size: 36px; margin-bottom: 10px; }
.center-cta-inline p { color: #b9c7e2; margin-bottom: 26px; font-size: 15.5px; }

/* ---------- Split ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: center; }
.split-content h2 { font-family: 'Playfair Display', Georgia, serif; font-size: 34px; margin: 0 0 16px; line-height: 1.18; }
.split-content p { color: var(--muted); font-size: 15px; margin: 0 0 16px; }
.split-content .check-list { margin: 20px 0 26px; }
.split-media { position: relative; display: flex; flex-direction: column; gap: 26px; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 34px; } }
.stat-badge {
  background: #fff; border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow);
  padding: 20px 24px; display: flex; align-items: center; gap: 14px; max-width: 320px;
}
.stat-badge-2 { margin-left: auto; }
.stat-num { font-family: 'Playfair Display', Georgia, serif; font-size: 42px; font-weight: 800; color: var(--navy); line-height: 1; }
.stat-num small { font-size: 20px; color: var(--gold-dark); }
.stat-cap { color: var(--muted); font-size: 13px; font-weight: 600; }
.emoji-orbit { text-align: center; }
.emoji-orbit svg { width: 100%; max-width: 400px; height: auto; }

/* ---------- Band / monet ---------- */
.band-band { background: linear-gradient(135deg, var(--navy), var(--navy-2)); }
.band-card {
  background: #fff; border-radius: 20px; padding: 40px; box-shadow: var(--shadow-lg);
  display: flex; align-items: center; justify-content: space-between; gap: 34px; flex-wrap: wrap;
}
.band-text { flex: 1; min-width: 300px; }
.band-text h2 { font-family: 'Playfair Display', Georgia, serif; font-size: 32px; margin: 0 0 10px; color: var(--navy); }
.monet-row { display: flex; gap: 16px; margin-top: 22px; flex-wrap: wrap; }
.monet-cell { background: #f4f6fb; border: 1px solid var(--line); border-radius: 12px; padding: 14px 18px; min-width: 130px; display: flex; flex-direction: column; }
.monet-cell strong { font-family: 'Playfair Display', Georgia, serif; font-size: 24px; color: var(--navy); }
.monet-cell span { font-size: 11.5px; color: var(--muted); font-weight: 600; }

/* ---------- Steps ---------- */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 960px) { .steps-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px) { .steps-grid { grid-template-columns: 1fr; } }
.step-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.step-card h3 { margin: 12px 0 8px; font-family: 'Playfair Display', Georgia, serif; font-size: 19px; color: var(--navy); }
.step-card p { color: var(--muted); font-size: 13.5px; margin: 0; }
.step-num { font-family: 'Playfair Display', Georgia, serif; font-size: 34px; font-weight: 800; color: var(--gold); line-height: 1; }

/* ---------- Testimonials ---------- */
.testimonial { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.14); border-left: 3px solid var(--gold); border-radius: 14px; padding: 22px 24px; margin: 0 0 20px; }
.testimonial p { color: #e2e9f7; font-size: 14.5px; margin: 0 0 10px; font-style: italic; }
.testimonial footer { color: #9fb2d6; font-size: 12.5px; }
.testimonial cite { font-style: normal; color: var(--gold-soft); }

/* ---------- Contact strip ---------- */
.contact-strip {
  display: flex; align-items: center; justify-content: center; gap: 28px; flex-wrap: wrap;
  background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 24px 30px; box-shadow: var(--shadow);
}
.citem { display: flex; align-items: center; gap: 9px; font-size: 14px; font-weight: 500; color: var(--ink); }
.citem svg { width: 19px; height: 19px; color: var(--gold-dark); }

/* ---------- Page hero + breadcrumb ---------- */
.page-hero { background: linear-gradient(135deg, #0a1733, #16305f); color: #fff; padding: 46px 0 50px; }
.page-hero h1 { font-family: 'Playfair Display', Georgia, serif; font-size: 38px; margin: 10px 0 8px; }
.page-hero p { color: #b9c7e2; font-size: 15.5px; max-width: 680px; margin: 0; }
.breadcrumb { display: flex; gap: 8px; align-items: center; font-size: 12.5px; color: #8fa1c4; }
.breadcrumb a { color: #cdd7ec; text-decoration: none; }
.breadcrumb a:hover { color: var(--gold-soft); }
.breadcrumb span:not(.crumb-current) { color: #5b6b8f; }
.crumb-current { color: var(--gold-soft); font-weight: 600; }
.page-hero-row { display: flex; align-items: center; gap: 18px; margin-top: 18px; }
.page-hero-icon {
  width: 64px; height: 64px; flex: none; border-radius: 16px;
  background: rgba(201,162,39,0.14); border: 1px solid rgba(201,162,39,0.4);
  color: var(--gold); display: flex; align-items: center; justify-content: center;
}
.page-hero-icon svg { width: 34px; height: 34px; }

/* ---------- Service layout ---------- */
.service-layout { display: grid; grid-template-columns: 1fr 300px; gap: 44px; align-items: start; }
@media (max-width: 960px) { .service-layout { grid-template-columns: 1fr; } }
.service-section { margin-bottom: 40px; }
.service-section h2 { font-size: 28px; margin: 0 0 12px; }
.service-section p { color: var(--muted); font-size: 15px; margin: 0 0 14px; }
.service-section .check-list { margin: 6px 0 10px; }
.service-sidebar { position: sticky; top: 100px; display: flex; flex-direction: column; gap: 18px; }
.side-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.side-card h4 { margin: 0 0 10px; font-size: 14px; color: var(--navy); text-transform: uppercase; letter-spacing: 0.06em; }
.side-card-dark { background: linear-gradient(135deg, var(--navy), var(--navy-2)); border: none; }
.side-card-dark h4 { color: var(--gold-soft); }
.side-link { display: block; padding: 8px 10px; border-radius: 8px; color: var(--ink); text-decoration: none; font-size: 13.5px; border-left: 2px solid transparent; }
.side-link:hover { background: #f1f4fb; color: var(--navy-2); border-left-color: var(--gold); }
.side-p { font-size: 13.5px; color: var(--muted); margin: 6px 0 0; }

/* ---------- CTA panels ---------- */
.cta-panel {
  display: flex; align-items: center; justify-content: space-between; gap: 22px; flex-wrap: wrap;
  background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 26px 30px; box-shadow: var(--shadow);
  margin-top: 30px;
}
.cta-panel h3 { font-family: 'Playfair Display', Georgia, serif; font-size: 22px; color: var(--navy); margin: 0 0 4px; }
.cta-panel p { color: var(--muted); font-size: 14px; margin: 0; }
.cta-banner {
  display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
  background: linear-gradient(135deg, var(--navy), var(--navy-2)); border-radius: 18px; padding: 36px 40px; color: #fff;
}
.cta-banner h2 { color: #fff; margin: 0 0 6px; }
.cta-banner p { color: #b9c7e2; margin: 0; }

/* ---------- FAQ ---------- */
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: #fff; border: 1px solid var(--line); border-radius: 12px; overflow: hidden;
}
.faq-item summary {
  list-style: none; cursor: pointer; padding: 18px 20px; font-weight: 600; font-size: 15px; color: var(--navy);
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item[open] summary { background: #f4f6fb; }
.faq-chevron {
  width: 18px; height: 18px; flex: none; position: relative; transition: transform 0.2s;
}
.faq-chevron::before, .faq-chevron::after {
  content: ''; position: absolute; background: var(--gold-dark); border-radius: 2px;
}
.faq-chevron::before { left: 2px; right: 2px; top: 8px; height: 2px; }
.faq-chevron::after { top: 2px; bottom: 2px; left: 8px; width: 2px; }
.faq-item[open] .faq-chevron { transform: rotate(180deg); }
.faq-item[open] .faq-chevron::after { display: none; }
.faq-body { padding: 0 20px 18px; color: var(--muted); font-size: 14.5px; }
.faq-body p { margin: 0; }

/* ---------- Values & compliance ---------- */
.values-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
@media (max-width: 960px) { .values-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .values-grid { grid-template-columns: 1fr; } }
.value-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.value-card h3 { font-family: 'Playfair Display', Georgia, serif; font-size: 19px; color: var(--navy); margin: 0 0 8px; }
.value-card p { color: var(--muted); font-size: 13.5px; margin: 0; }
.compliance-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
@media (max-width: 900px) { .compliance-grid { grid-template-columns: 1fr; } }
.compliance-card { background: #fff; border: 1px solid var(--line); border-top: 3px solid var(--gold); border-radius: var(--radius); padding: 24px; }
.compliance-card h3 { margin: 0 0 8px; font-family: 'Playfair Display', Georgia, serif; font-size: 19px; color: var(--navy); }
.compliance-card p { color: var(--muted); font-size: 13.5px; margin: 0; }

/* ---------- Legal ---------- */
.legal h2 { font-size: 22px; margin: 30px 0 10px; }
.legal p { color: var(--muted); font-size: 14.5px; margin: 0 0 10px; }

/* ---------- Footer ---------- */
.site-footer { background: #0a1733; color: #8fa1c4; margin-top: 0; }
.footer-inner { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding: 52px 22px 34px; }
@media (max-width: 960px) { .footer-inner { grid-template-columns: 1fr 1fr; gap: 30px; } }
@media (max-width: 560px) { .footer-inner { grid-template-columns: 1fr; } }
.footer-logo { height: 46px; margin-bottom: 14px; }
.footer-about p { font-size: 13.5px; line-height: 1.7; margin: 0 0 16px; }
.footer-col h4 { color: #fff; font-size: 13px; text-transform: uppercase; letter-spacing: 0.08em; margin: 0 0 14px; }
.footer-col a { display: block; color: #8fa1c4; text-decoration: none; font-size: 13.5px; padding: 3px 0; }
.footer-col a:hover { color: var(--gold-soft); }
.footer-contact { display: flex; gap: 9px; align-items: center; font-size: 13.5px; margin: 0 0 10px; }
.footer-contact .ico { color: var(--gold); }
.footer-trust { display: flex; gap: 8px; flex-wrap: wrap; }
.trust-chip {
  border: 1px solid rgba(255,255,255,0.18); border-radius: 20px; padding: 4px 12px;
  font-size: 11px; font-weight: 700; letter-spacing: 0.08em; color: #cdd7ec;
}
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 18px 0 22px; }
.footer-bottom p { margin: 0; font-size: 12.5px; }
.footer-disclaimer { margin-top: 6px !important; color: #64748b; }

/* ---------- Alerts ---------- */
.alert {
  padding: 14px 18px; border-radius: 12px; margin-bottom: 18px; font-size: 14px;
  border: 1px solid transparent;
}
.alert-success { background: #e8f7ee; color: #155724; border-color: #c3e6cb; }
.alert-danger { background: #fdecee; color: #721c24; border-color: #f5c6cb; }
.alert-warning { background: #fff8e1; color: #7a5c00; border-color: #ffecb3; }
.alert-info { background: #eaf6fb; color: #0c5460; border-color: #bee5eb; }

/* ---------- Forms ---------- */
.om-form select, .om-form input[type="text"], .om-form input[type="password"],
.om-form input[type="email"], .om-form input[type="number"], .om-form input[type="date"],
.om-form input[type="tel"], .om-form textarea {
  width: 100%; padding: 11px 14px; border: 1px solid #cbd5e1; border-radius: 10px;
  font-family: inherit; font-size: 14.5px; background: #fff; color: var(--ink);
}
.om-form select:focus, .om-form input:focus, .om-form textarea:focus {
  outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,162,39,0.16);
}
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-size: 13px; font-weight: 600; color: #4a5568; margin-bottom: 6px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; }
@media (max-width: 760px) { .form-row { grid-template-columns: 1fr; } }
.select-wrap select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='10' viewBox='0 0 14 10'><path d='M1 1l6 6 6-6' fill='none' stroke='%2364748b' stroke-width='2'/></svg>"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; }
.field-hint { font-size: 12.5px; color: var(--muted); margin: 6px 0 0; }
.checkbox-label { display: flex; gap: 10px; align-items: flex-start; font-size: 13.5px; color: var(--muted); cursor: pointer; }
.checkbox-label input { margin-top: 3px; width: 16px; height: 16px; accent-color: var(--navy); }
.hp-field { position: absolute; left: -9999px; top: -9999px; opacity: 0; height: 0; overflow: hidden; }
.apply-consent { margin: 20px 0; }
.form-footnote { font-size: 12.5px; color: var(--muted); text-align: center; margin: 16px 0 0; }
.inline-form { display: inline; }
.apply-form { display: flex; flex-direction: column; gap: 18px; }
.apply-step { padding: 26px; background: #fff; border: 1px solid var(--line); border-radius: 14px; }
.step-head { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.step-head .step-num {
  width: 34px; height: 34px; border-radius: 9px; background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: var(--gold); display: flex; align-items: center; justify-content: center; font-size: 16px;
}
.step-head h3 { margin: 0; font-size: 18px; color: var(--navy); font-family: 'Playfair Display', Georgia, serif; }

/* ---------- Auth ---------- */
.auth-wrap { max-width: 460px; margin: 0 auto; }
.auth-card { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 34px; box-shadow: var(--shadow); }
.auth-title { font-size: 19px; color: var(--navy); margin: 0 0 18px; font-family: 'Playfair Display', Georgia, serif; }
.code-input-row { display: flex; gap: 8px; justify-content: center; }
.code-box {
  width: 46px; height: 54px; text-align: center; font-size: 24px; font-weight: 800;
  border: 1.5px solid #cbd5e1; border-radius: 10px; background: #fff; font-family: inherit;
}
.code-box:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,162,39,0.16); }
.auth-extra { display: flex; justify-content: space-between; align-items: center; margin-top: 18px; }
.auth-foot { text-align: center; font-size: 13.5px; color: var(--muted); margin: 22px 0 0; }

/* ---------- Success panel ---------- */
.success-panel { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 40px 36px; text-align: center; box-shadow: var(--shadow); }
.success-icon {
  width: 66px; height: 66px; margin: 0 auto 18px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
}
.success-icon svg { width: 34px; height: 34px; }
.success-panel h2 { font-size: 28px; margin: 0 0 8px; }
.success-panel p { color: var(--muted); margin: 0 0 20px; }
.success-box { background: #f4f6fb; border: 1px solid var(--line); border-radius: 12px; padding: 18px 22px; text-align: left; font-size: 14px; }

/* ---------- Contact page ---------- */
.contact-layout { display: grid; grid-template-columns: 1fr 1.4fr; gap: 40px; align-items: start; }
@media (max-width: 900px) { .contact-layout { grid-template-columns: 1fr; } }
.contact-info { display: flex; flex-direction: column; gap: 14px; }
.contact-card { display: flex; gap: 14px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 18px 20px; }
.contact-card svg { width: 21px; height: 21px; color: var(--gold-dark); flex: none; margin-top: 2px; }
.contact-card h4 { margin: 0 0 4px; font-size: 14px; color: var(--navy); }
.contact-card p { margin: 0; color: var(--muted); font-size: 13.5px; }
.contact-form-wrap { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 30px; box-shadow: var(--shadow); }

/* ---------- Badge (status) ---------- */
.badge { display: inline-block; padding: 3px 10px; border-radius: 12px; font-size: 12px; font-weight: 600; white-space: nowrap; }

/* ---------- Data tables (portal) ---------- */
.table-wrap { overflow-x: auto; }
.data-table { width: 100%; border-collapse: collapse; font-size: 13.5px; }
.data-table th, .data-table td { text-align: left; padding: 10px 12px; border-bottom: 1px solid #eef1f6; }
.data-table th { font-size: 11.5px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--muted); font-weight: 700; }
.data-table tbody tr:hover { background: #f8fafc; }
.data-table tr:last-child td { border-bottom: none; }
.t-right { text-align: right !important; }
.muted { color: var(--muted); }
.small { font-size: 12.5px; }
.mono { font-family: Consolas, 'Courier New', monospace; }
.empty-state { text-align: center; color: var(--muted); padding: 30px 10px; }
.empty-state p { margin: 0 0 14px; }

/* ---------- Portal ---------- */
.portal-shell { background: linear-gradient(135deg, #0a1733, #16305f); color: #fff; padding: 26px 0 0; }
.portal-top { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; margin-bottom: 18px; }
.portal-greeting { font-family: 'Playfair Display', Georgia, serif; font-size: 26px; margin: 0; }
.portal-top .muted { color: #9fb2d6; margin: 4px 0 0; }
.portal-nav { display: flex; gap: 4px; flex-wrap: wrap; }
.portal-nav a {
  color: #cdd7ec; text-decoration: none; font-weight: 600; font-size: 13.5px;
  padding: 10px 16px; border-radius: 10px 10px 0 0; border-bottom: 2px solid transparent;
}
.portal-nav a:hover { color: #fff; background: rgba(255,255,255,0.06); }
.portal-nav a.active { color: var(--gold-soft); background: rgba(255,255,255,0.08); border-bottom-color: var(--gold); }
.nav-pill { background: var(--gold); color: var(--navy); border-radius: 20px; font-size: 11px; font-weight: 800; padding: 1px 7px; }
.portal-section { background: var(--bg); }
.portal-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; align-items: start; margin-bottom: 8px; }
.portal-panel { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 22px; }
.panel-wide { grid-column: 1 / -1; }
@media (max-width: 900px) { .portal-grid { grid-template-columns: 1fr; } .panel-wide { grid-column: auto; } }
.panel-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 16px; flex-wrap: wrap; }
.panel-head h2, .panel-head h3 { margin: 0; font-size: 17px; color: var(--navy); font-family: 'Playfair Display', Georgia, serif; }
.panel-head .muted { margin: 0; }
.portal-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 22px; }
@media (max-width: 900px) { .portal-stats { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .portal-stats { grid-template-columns: 1fr; } }
.portal-stat { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 18px 20px; display: flex; flex-direction: column; gap: 2px; }
.ps-value { font-family: 'Playfair Display', Georgia, serif; font-size: 28px; font-weight: 800; color: var(--navy); line-height: 1.1; }
.ps-value.kyc-ok { color: #28a745; }
.ps-value.kyc-bad { color: #dc3545; }
.ps-value.kyc-warn { color: #e08b00; }
.ps-label { font-size: 12px; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: 0.06em; }
.ps-sub { font-size: 12.5px; color: var(--muted); }
.portal-subnav { margin-bottom: 18px; }

/* ---------- Timeline ---------- */
.timeline { position: relative; padding-left: 24px; }
.timeline::before { content: ''; position: absolute; left: 7px; top: 6px; bottom: 6px; width: 2px; background: var(--line); }
.tl-item { position: relative; padding-bottom: 18px; }
.tl-item:last-child { padding-bottom: 0; }
.tl-dot {
  position: absolute; left: -24px; top: 4px; width: 14px; height: 14px; border-radius: 50%;
  background: #fff; border: 2.5px solid #cbd5e1;
}
.tl-item.active .tl-dot { background: var(--gold); border-color: var(--gold); box-shadow: 0 0 0 4px rgba(201,162,39,0.22); }
.tl-item.passed .tl-dot { background: var(--navy-2); border-color: var(--navy-2); }
.tl-item.active strong { color: var(--navy-2); }
.tl-item.danger .tl-dot { background: #dc3545; border-color: #dc3545; }
.tl-item.danger strong { color: #b02a37; }
.tl-item:not(.active):not(.passed) { opacity: 0.55; }
.tl-date { display: block; font-size: 12px; color: #9aa7bd; }
.tl-note { font-size: 13px; color: #7a5c00; background: #fff8e1; border-radius: 8px; padding: 8px 10px; margin: 6px 0 0; }

/* ---------- Detail list ---------- */
.detail-list { margin: 0; display: grid; grid-template-columns: minmax(150px, 34%) 1fr; row-gap: 9px; column-gap: 16px; font-size: 14px; }
.detail-list dt { color: var(--muted); font-weight: 600; }
.detail-list dd { margin: 0; font-weight: 500; }
.big-amount { font-size: 20px; font-weight: 800; color: var(--navy); }

/* ---------- Doc list ---------- */
.doc-list { list-style: none; margin: 0; padding: 0; }
.doc-list li { padding: 12px 0; border-bottom: 1px solid #eef1f6; }
.doc-list li:last-child { border-bottom: none; }
.doc-list li.doc-rejected { background: #fff7f8; margin: 0 -12px; padding-left: 12px; padding-right: 12px; border-radius: 10px; }
.doc-name { font-weight: 600; font-size: 14px; color: var(--navy); text-decoration: none; display: inline-flex; gap: 8px; align-items: center; }
.doc-name:hover { text-decoration: underline; }
.doc-meta { margin: 6px 0; display: flex; gap: 12px; align-items: center; }
.doc-note { font-size: 12.5px; color: #b02a37; margin: 6px 0 0; }

/* ---------- Activity list ---------- */
.activity-list { list-style: none; margin: 0; padding: 0; }
.activity-list li { display: flex; gap: 12px; padding: 12px 0; border-bottom: 1px solid #eef1f6; align-items: flex-start; }
.activity-list li:last-child { border-bottom: none; }
.activity-list li p { margin: 2px 0 4px; font-size: 13.5px; color: var(--muted); }
.act-dot { width: 9px; height: 9px; border-radius: 50%; background: var(--gold); margin-top: 7px; flex: none; }

/* ---------- Inv list ---------- */
.inv-list { list-style: none; margin: 0; padding: 0; }
.inv-list li { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 12px 0; border-bottom: 1px solid #eef1f6; }
.inv-list li:last-child { border-bottom: none; }
.inv-list li > div { display: flex; flex-direction: column; }
.inv-right { text-align: right; align-items: flex-end !important; }
.inv-right .badge { margin-top: 4px; }

/* ---------- File drop ---------- */
.file-drop { position: relative; }
.file-drop input[type="file"] { position: absolute; inset: 0; opacity: 0; cursor: pointer; width: 100%; height: 100%; }
.file-drop-inner {
  border: 2px dashed #cbd5e1; border-radius: 12px; padding: 30px 20px;
  text-align: center; color: var(--muted); transition: border-color 0.15s, background 0.15s;
}
.file-drop:hover .file-drop-inner, .file-drop.drag .file-drop-inner { border-color: var(--gold); background: #fffdf5; }
.file-drop-inner svg { display: block; margin: 0 auto 8px; color: var(--navy-2); }
.file-drop-inner p { margin: 0 0 4px; color: var(--ink); font-size: 14px; }
.file-drop-inner p strong { color: var(--navy-2); }
.file-name { margin-top: 8px; font-size: 13px; color: var(--navy-2); font-weight: 600; }

/* ---------- Invoice doc (portal pay) ---------- */
.invoice-doc { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 30px; box-shadow: var(--shadow); }
.invoice-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 16px; margin-bottom: 18px; flex-wrap: wrap; }
.invoice-head h2 { font-size: 24px; margin: 0 0 4px; }
.invoice-meta { margin-bottom: 20px; }
.inv-table tfoot td { padding-top: 14px; border-top: 2px solid var(--line); }
.pay-methods { margin-top: 26px; }
.pay-methods h3 { font-size: 18px; color: var(--navy); margin: 0 0 14px; font-family: 'Playfair Display', Georgia, serif; }
.pay-methods-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 700px) { .pay-methods-grid { grid-template-columns: 1fr; } }
.pay-method {
  display: flex; flex-direction: column; gap: 6px; padding: 22px; border: 1px solid var(--line);
  border-radius: 14px; text-decoration: none; color: var(--ink); transition: border-color 0.15s, box-shadow 0.15s;
}
.pay-method:hover { border-color: var(--gold); box-shadow: var(--shadow); }
.pay-method strong { font-size: 16px; color: var(--navy); }
.pay-method span { font-size: 13px; color: var(--muted); }
.pm-icon {
  width: 44px; height: 44px; border-radius: 11px; background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: var(--gold); display: flex; align-items: center; justify-content: center;
}
.pm-icon svg { width: 22px; height: 22px; }

/* ---------- Wire & crypto payment pages ---------- */
.wire-ref-box { background: #f4f6fb; border: 1px solid var(--line); border-radius: 12px; padding: 18px; margin-bottom: 22px; }
.wr-label { display: block; font-size: 12px; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 8px; }
.wr-code { display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.wr-code strong { font-family: Consolas, Menlo, monospace; font-size: 24px; color: var(--navy); letter-spacing: 1px; }
.wire-block-title { font-size: 15px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--muted); margin: 22px 0 10px; }
.wire-table th { width: 220px; font-weight: 600; color: var(--muted); }
.wire-ref-form { margin-top: 18px; }
.note-box { margin-top: 18px; }
.alert-danger .link-btn { color: #b02a37; }
.crypto-hero { text-align: center; padding: 18px 10px; }
.crypto-hero p { color: var(--muted); max-width: 560px; margin: 0 auto 20px; }
.crypto-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-bottom: 22px; }
.status-box {
  max-width: 560px; margin: 0 auto; padding: 16px 20px; border-radius: 12px;
  background: #f4f6fb; border: 1px solid var(--line); color: var(--muted);
  display: flex; align-items: center; justify-content: center; gap: 12px; font-size: 14px;
}
.spinner {
  width: 18px; height: 18px; border-radius: 50%; display: inline-block;
  border: 2.5px solid rgba(13,27,61,0.15); border-top-color: var(--navy);
  animation: spin 0.7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- Maintenance ---------- */
.maintenance { min-height: 70vh; display: flex; align-items: center; justify-content: center; text-align: center; padding: 60px 20px; }

@media (max-width: 560px) {
  .section { padding: 52px 0; }
  .section-head h2 { font-size: 27px; }
  .split-content h2 { font-size: 27px; }
  .hero h1 { font-size: 29px; }
}