/* ===========================================
   NORTHERN SHIELD — Luxury Minimalism System
   =========================================== */

:root{
  /* Surface — warm creams */
  --cream-50:#fbf8f2;
  --cream-100:#faf6ef;
  --cream-200:#f4ede0;
  --cream-300:#ebe1cf;
  --cream-400:#ddd1ba;

  /* Warm blacks & grays */
  --ink-900:#181410;
  --ink-800:#231d18;
  --ink-700:#2e2720;
  --ink-600:#4a3f34;
  --ink-500:#6b5d4f;
  --ink-400:#8e8175;
  --ink-300:#b2a89a;
  --ink-200:#cfc6b8;
  --ink-100:#e6dfd2;

  /* Accent — antique brass / muted gold */
  --brass:#a3814a;
  --brass-lt:#bc9a5e;
  --brass-dk:#876935;
  --brass-tint:rgba(163,129,74,.10);
  --brass-line:rgba(163,129,74,.28);

  /* Semantic */
  --pos:#3d7d54;        /* muted forest green for positive */
  --neg:#9b3a2c;        /* terracotta for negative */

  /* Type */
  --serif:'Cormorant Garamond','Cormorant',Georgia,serif;
  --sans:'Manrope','Söhne',-apple-system,BlinkMacSystemFont,sans-serif;
  --mono:'JetBrains Mono','SF Mono',ui-monospace,monospace;

  /* Layout */
  --max:1280px;
  --gutter:clamp(20px,4vw,40px);

  /* Motion */
  --e1:cubic-bezier(.2,.7,.25,1);
  --e2:cubic-bezier(.6,0,.2,1);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--sans);
  font-weight:400;
  font-size:15.5px;
  line-height:1.65;
  color:var(--ink-700);
  background:var(--cream-100);
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
  text-rendering:optimizeLegibility;
  overflow-x:hidden;
  position:relative;
}

/* Global paper-grain texture (subtle SVG noise) */
body::before{
  content:"";
  position:fixed;inset:0;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='220' height='220'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch' seed='4'/><feColorMatrix values='0 0 0 0 0.094 0 0 0 0 0.078 0 0 0 0 0.063 0 0 0 0.08 0'/></filter><rect width='100%25' height='100%25' filter='url(%23n)'/></svg>");
  pointer-events:none;
  z-index:1;
  mix-blend-mode:multiply;
  opacity:.55;
}
/* Lift content above texture */
.topbar,.header,main,section,footer,.cta,.hero,.trust-strip{position:relative;z-index:2}
img,svg{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font:inherit;background:none;border:none;cursor:pointer;color:inherit}
ul{list-style:none}
input,textarea,select{font:inherit;color:inherit}

/* Selection */
::selection{background:var(--ink-900);color:var(--cream-100)}

/* Container */
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}

/* ===========================================
   TYPOGRAPHY
   =========================================== */
.eyebrow{
  font-family:var(--sans);
  font-size:11px;
  font-weight:600;
  letter-spacing:.22em;
  text-transform:uppercase;
  color:var(--brass-dk);
  display:inline-flex;
  align-items:center;
  gap:14px;
}
.eyebrow::before{
  content:"";
  width:24px;height:1px;
  background:var(--brass);
}
.eyebrow.no-line::before{display:none}
.eyebrow.light{color:var(--brass-lt)}
.eyebrow.light::before{background:var(--brass-lt)}

.display{
  font-family:var(--serif);
  font-weight:500;
  color:var(--ink-900);
  letter-spacing:-.01em;
  line-height:1.05;
}
.display em{font-style:italic;color:var(--brass-dk);font-weight:500}

h1.display{font-size:clamp(44px,6.5vw,84px)}
h2.display{font-size:clamp(36px,4.6vw,58px);line-height:1.08}
h3.display{font-size:clamp(26px,2.8vw,36px);line-height:1.18}
h4.display{font-size:clamp(20px,2vw,24px);line-height:1.22}

.lede{
  font-size:clamp(16px,1.4vw,18px);
  line-height:1.7;
  color:var(--ink-600);
  max-width:60ch;
}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;gap:10px;
  padding:14px 26px;
  font-family:var(--sans);
  font-size:13.5px;font-weight:600;
  letter-spacing:.04em;
  border-radius:2px;
  border:1px solid transparent;
  transition:all .35s var(--e1);
  cursor:pointer;
  position:relative;
  white-space:nowrap;
}
.btn-ink{background:var(--ink-900);color:var(--cream-100);border-color:var(--ink-900)}
.btn-ink:hover{background:var(--ink-700);border-color:var(--ink-700);transform:translateY(-1px)}
.btn-brass{background:var(--brass);color:var(--cream-50);border-color:var(--brass)}
.btn-brass:hover{background:var(--brass-dk);border-color:var(--brass-dk);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--ink-900);border-color:var(--ink-200)}
.btn-ghost:hover{border-color:var(--ink-900);background:var(--ink-900);color:var(--cream-100)}
.btn-ghost-lt{background:transparent;color:var(--cream-100);border-color:rgba(251,248,242,.3)}
.btn-ghost-lt:hover{border-color:var(--cream-100);background:var(--cream-100);color:var(--ink-900)}
.btn-text{
  padding:0;background:none;color:var(--ink-900);
  border-bottom:1px solid var(--ink-900);border-radius:0;
  padding-bottom:3px;
}
.btn-text:hover{color:var(--brass);border-color:var(--brass)}
.btn .arrow{transition:transform .3s var(--e1)}
.btn:hover .arrow{transform:translateX(4px)}

/* Hairline rules */
.hairline{height:1px;background:var(--ink-100);border:none;width:100%}
.hairline-brass{height:1px;background:var(--brass-line);border:none;width:100%}

/* Sections */
.section{padding:clamp(80px,9vw,140px) 0;position:relative}
.section-sm{padding:clamp(50px,6vw,80px) 0;position:relative}
.bg-cream{background:var(--cream-100)}
.bg-cream2{background:var(--cream-200)}
.bg-ink{background:var(--ink-900);color:var(--cream-200)}
.bg-ink h2.display, .bg-ink h3.display, .bg-ink h4.display{color:var(--cream-50)}
.bg-ink .lede{color:rgba(251,248,242,.7)}

/* Decorative section backgrounds */
.bg-grid{
  position:relative;
}
.bg-grid::before{
  content:"";
  position:absolute;inset:0;
  background-image:
    linear-gradient(to right, var(--ink-100) 1px, transparent 1px),
    linear-gradient(to bottom, var(--ink-100) 1px, transparent 1px);
  background-size:calc(100%/6) calc(100%/6);
  opacity:.4;
  pointer-events:none;
  -webkit-mask-image:radial-gradient(ellipse at 50% 30%, #000 30%, transparent 75%);
          mask-image:radial-gradient(ellipse at 50% 30%, #000 30%, transparent 75%);
}
.bg-grid > *{position:relative;z-index:1}
.bg-topo{
  position:relative;
  background:var(--cream-100);
}
.bg-topo::before{
  content:"";
  position:absolute;inset:0;
  background-image:
    radial-gradient(ellipse 1200px 800px at 80% -10%, rgba(163,129,74,.08), transparent 60%),
    radial-gradient(ellipse 900px 700px at -10% 100%, rgba(163,129,74,.05), transparent 65%);
  pointer-events:none;
}
.bg-topo::after{
  content:"";
  position:absolute;inset:0;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 800' preserveAspectRatio='xMidYMid slice'><g fill='none' stroke='%23a3814a' stroke-width='0.6' opacity='0.16'><path d='M0 400 Q300 380 600 410 T1200 395'/><path d='M0 420 Q300 400 600 430 T1200 415'/><path d='M0 440 Q300 420 600 450 T1200 435'/><path d='M0 460 Q300 440 600 470 T1200 455'/><path d='M0 380 Q300 360 600 390 T1200 375'/><path d='M0 360 Q300 340 600 370 T1200 355'/><path d='M0 340 Q300 320 600 350 T1200 335'/></g></svg>");
  background-size:cover;
  background-position:center;
  pointer-events:none;
  opacity:.5;
}
.bg-topo > *{position:relative;z-index:1}

.bg-dotted{
  position:relative;
}
.bg-dotted::before{
  content:"";
  position:absolute;inset:0;
  background-image:radial-gradient(circle, var(--ink-200) 1px, transparent 1.5px);
  background-size:24px 24px;
  opacity:.5;
  pointer-events:none;
  -webkit-mask-image:linear-gradient(180deg, transparent 0%, #000 30%, #000 70%, transparent 100%);
          mask-image:linear-gradient(180deg, transparent 0%, #000 30%, #000 70%, transparent 100%);
}
.bg-dotted > *{position:relative;z-index:1}

/* Inner page banner */
.page-banner{
  background:var(--cream-100);
  padding:clamp(60px,8vw,120px) 0 clamp(50px,6vw,90px);
  position:relative;
  overflow:hidden;
  border-bottom:1px solid var(--ink-100);
}
.page-banner::before{
  content:"";
  position:absolute;inset:0;
  background-image:
    radial-gradient(ellipse 1200px 700px at 85% -20%, rgba(163,129,74,.10), transparent 55%),
    radial-gradient(ellipse 900px 600px at -5% 110%, rgba(163,129,74,.06), transparent 60%);
  pointer-events:none;
}
.page-banner::after{
  content:"";
  position:absolute;inset:0;
  background-image:
    linear-gradient(to right, rgba(0,0,0,.025) 1px, transparent 1px);
  background-size:calc(100%/6) 100%;
  pointer-events:none;
  opacity:.7;
}
.pb-inner{
  position:relative;z-index:2;
  display:grid;
  grid-template-columns:1.5fr 1fr;
  gap:clamp(40px,6vw,80px);
  align-items:end;
}
.pb-crumb{
  display:flex;align-items:center;gap:10px;
  font-family:var(--mono);font-size:11px;letter-spacing:.06em;
  color:var(--ink-400);margin-bottom:24px;
}
.pb-crumb a{color:var(--ink-500);transition:color .25s}
.pb-crumb a:hover{color:var(--brass-dk)}
.pb-crumb i{font-size:9px;color:var(--ink-300)}
.pb-crumb .here{color:var(--ink-900);font-weight:600}
.pb-title{
  font-family:var(--serif);
  font-size:clamp(44px,5.5vw,76px);
  font-weight:500;line-height:1.05;color:var(--ink-900);
  margin-bottom:22px;letter-spacing:-.01em;
}
.pb-title em{font-style:italic;color:var(--brass-dk)}
.pb-lede{
  font-size:clamp(16px,1.3vw,18px);
  line-height:1.65;color:var(--ink-500);max-width:55ch;
}
.pb-meta{
  display:flex;flex-direction:column;gap:14px;
  padding:24px;border:1px solid var(--ink-100);background:var(--cream-50);
  border-radius:4px;
}
.pb-meta-row{
  display:flex;justify-content:space-between;align-items:baseline;
  padding-bottom:14px;border-bottom:1px solid var(--ink-100);
}
.pb-meta-row:last-child{border-bottom:none;padding-bottom:0}
.pb-meta-row .lbl{
  font-size:10.5px;font-weight:600;letter-spacing:.14em;
  text-transform:uppercase;color:var(--ink-400);
}
.pb-meta-row .val{
  font-family:var(--serif);font-size:18px;font-weight:600;color:var(--ink-900);
}
@media(max-width:900px){.pb-inner{grid-template-columns:1fr;gap:40px}}

/* ===========================================
   TOPBAR
   =========================================== */
.topbar{
  background:var(--ink-900);
  color:rgba(251,248,242,.72);
  font-size:12px;
  letter-spacing:.02em;
  padding:9px 0;
  border-bottom:1px solid rgba(163,129,74,.18);
}
.topbar-inner{
  display:flex;align-items:center;justify-content:space-between;gap:24px;
}
.topbar-left, .topbar-right{display:flex;gap:24px;align-items:center}
.tb-item{display:inline-flex;align-items:center;gap:7px;color:rgba(251,248,242,.72);transition:color .25s}
.tb-item:hover{color:var(--brass-lt)}
.tb-item i{font-size:10.5px;color:var(--brass-lt)}
.tb-sep{width:1px;height:11px;background:rgba(251,248,242,.18)}
.tb-pill{
  display:inline-flex;align-items:center;gap:6px;
  padding:3px 10px;border-radius:30px;
  background:rgba(163,129,74,.15);
  color:var(--brass-lt);
  font-size:11px;font-weight:600;letter-spacing:.08em;
  border:1px solid rgba(163,129,74,.25);
}
.tb-pill .dot{width:6px;height:6px;border-radius:50%;background:var(--brass-lt);box-shadow:0 0 0 3px rgba(188,154,94,.18)}

/* ===========================================
   HEADER / NAV
   =========================================== */
.header{
  position:sticky;top:0;z-index:100;
  background:var(--cream-100);
  border-bottom:1px solid transparent;
  transition:border-color .3s, box-shadow .3s, background .3s;
}
.header.scrolled{
  border-color:var(--ink-100);
  box-shadow:0 1px 0 rgba(0,0,0,.02);
}
.nav{
  display:flex;align-items:center;gap:32px;
  padding:18px 0;
}
.brand{display:flex;align-items:center;gap:12px;margin-right:auto}
.brand-mark{
  width:36px;height:36px;
  display:flex;align-items:center;justify-content:center;
  background:var(--ink-900);
  border-radius:2px;
  flex-shrink:0;
}
.brand-mark svg{width:20px;height:20px}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-name{
  font-family:var(--serif);
  font-size:20px;
  font-weight:600;
  color:var(--ink-900);
  letter-spacing:-.01em;
}
.brand-sub{
  font-size:9.5px;
  font-weight:600;
  letter-spacing:.18em;
  text-transform:uppercase;
  color:var(--ink-400);
  margin-top:4px;
}

.nav-links{display:flex;gap:4px;align-items:center}
.nav-link{
  padding:8px 14px;
  font-size:13.5px;
  font-weight:500;
  color:var(--ink-700);
  position:relative;
  transition:color .25s;
}
.nav-link:hover{color:var(--ink-900)}
.nav-link.active{color:var(--ink-900)}
.nav-link.active::after{
  content:"";position:absolute;left:14px;right:14px;bottom:-2px;
  height:1px;background:var(--brass);
}

.nav-actions{display:flex;align-items:center;gap:14px}
.nav-toggle{display:none;width:32px;height:32px;align-items:center;justify-content:center}
.nav-toggle span{width:20px;height:1.5px;background:var(--ink-900);position:relative;transition:.3s}
.nav-toggle span::before,
.nav-toggle span::after{
  content:"";position:absolute;left:0;width:20px;height:1.5px;background:var(--ink-900);transition:.3s;
}
.nav-toggle span::before{top:-6px}
.nav-toggle span::after{top:6px}
.nav-toggle.open span{background:transparent}
.nav-toggle.open span::before{top:0;transform:rotate(45deg)}
.nav-toggle.open span::after{top:0;transform:rotate(-45deg)}

/* ===========================================
   HERO
   =========================================== */
.hero{
  position:relative;
  padding:clamp(60px,7vw,100px) 0 clamp(80px,9vw,120px);
  overflow:hidden;
  background:var(--cream-100);
}
.hero::before{
  content:"";position:absolute;inset:0;
  background-image:
    radial-gradient(circle at 88% 8%, rgba(163,129,74,.22) 0%, transparent 45%),
    radial-gradient(circle at 5% 92%, rgba(163,129,74,.14) 0%, transparent 40%),
    radial-gradient(ellipse at 50% 50%, rgba(163,129,74,.05) 0%, transparent 70%);
  pointer-events:none;
}
.hero::after{
  content:"";position:absolute;inset:0;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1400 900' preserveAspectRatio='xMidYMid slice'><g fill='none' stroke='%23a3814a' stroke-width='0.9' opacity='0.28'><circle cx='1280' cy='150' r='260'/><circle cx='1280' cy='150' r='210'/><circle cx='1280' cy='150' r='160'/><circle cx='1280' cy='150' r='110'/><circle cx='1280' cy='150' r='62'/><path d='M0 720 Q350 690 700 720 T1400 700'/><path d='M0 745 Q350 715 700 745 T1400 725'/><path d='M0 770 Q350 740 700 770 T1400 750'/><path d='M0 795 Q350 765 700 795 T1400 775'/></g></svg>");
  background-size:cover;
  background-position:center;
  pointer-events:none;
  opacity:.9;
}
.hero-grid{
  position:relative;
  z-index:3;
  display:grid;
  grid-template-columns:1.05fr 1fr;
  gap:clamp(40px,6vw,90px);
  align-items:center;
}
.hero-eyebrow-row{
  display:flex;align-items:center;gap:18px;margin-bottom:36px;
}
.hero-locator{
  display:inline-flex;align-items:center;gap:8px;
  font-size:12px;font-weight:500;
  color:var(--ink-500);
  letter-spacing:.04em;
}
.hero-locator .dot{
  width:5px;height:5px;background:var(--brass);border-radius:50%;
}
.hero-title{
  margin-bottom:28px;
  font-size:clamp(46px,6.5vw,86px);
}
.hero-title .line{display:block}
.hero-title em{font-style:italic;color:var(--brass-dk)}
.hero-lede{
  font-size:clamp(16.5px,1.35vw,18.5px);
  line-height:1.65;
  color:var(--ink-500);
  max-width:48ch;
  margin-bottom:44px;
}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin-bottom:60px}
.hero-credentials{
  display:flex;gap:36px;flex-wrap:wrap;
  padding-top:36px;border-top:1px solid var(--ink-100);
}
.cred{display:flex;flex-direction:column;gap:4px}
.cred-num{
  font-family:var(--serif);
  font-size:32px;font-weight:500;
  color:var(--ink-900);line-height:1;
}
.cred-lbl{
  font-size:11px;font-weight:600;
  letter-spacing:.14em;text-transform:uppercase;
  color:var(--ink-400);
}

/* Hero Visual — Portfolio Card */
.hero-visual{
  position:relative;
  min-height:520px;
}
.portfolio-card{
  background:var(--cream-50);
  border:1px solid var(--ink-100);
  border-radius:4px;
  padding:32px;
  box-shadow:
    0 1px 2px rgba(35,29,24,.04),
    0 24px 60px -20px rgba(35,29,24,.18),
    0 8px 24px -8px rgba(35,29,24,.08);
  position:relative;
  z-index:2;
}
.pc-head{
  display:flex;justify-content:space-between;align-items:flex-start;
  padding-bottom:18px;
  border-bottom:1px solid var(--ink-100);
  margin-bottom:22px;
}
.pc-account{
  font-size:11px;font-weight:600;letter-spacing:.16em;
  text-transform:uppercase;color:var(--ink-400);
  margin-bottom:6px;
}
.pc-name{
  font-family:var(--serif);
  font-size:18px;font-weight:600;color:var(--ink-900);
}
.pc-live{
  display:inline-flex;align-items:center;gap:7px;
  font-size:10.5px;font-weight:600;letter-spacing:.12em;
  text-transform:uppercase;color:var(--pos);
  padding:5px 10px;background:rgba(61,125,84,.08);border-radius:2px;
}
.pc-live .dot{
  width:6px;height:6px;background:var(--pos);border-radius:50%;
  animation:pulse 2s infinite;
}
@keyframes pulse{
  0%,100%{opacity:1;box-shadow:0 0 0 0 rgba(61,125,84,.4)}
  50%{opacity:.5;box-shadow:0 0 0 6px rgba(61,125,84,0)}
}
.pc-balance{
  display:flex;align-items:baseline;gap:14px;margin-bottom:6px;
}
.pc-value{
  font-family:var(--serif);
  font-size:46px;font-weight:500;color:var(--ink-900);
  line-height:1;letter-spacing:-.01em;
}
.pc-currency{
  font-size:13px;font-weight:600;color:var(--ink-400);
  letter-spacing:.06em;
}
.pc-change{
  display:flex;align-items:center;gap:8px;margin-bottom:24px;
  font-size:13px;color:var(--ink-500);
}
.pc-change .up{color:var(--pos);font-weight:600}
.pc-chart{
  height:120px;position:relative;margin:0 -8px 22px;
}
.pc-chart svg{width:100%;height:100%;display:block}
.pc-chart .area{fill:url(#brass-grad);opacity:.18}
.pc-chart .line{fill:none;stroke:var(--brass);stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.pc-chart .dot-now{fill:var(--brass);stroke:var(--cream-50);stroke-width:2}

.pc-alloc-title{
  display:flex;justify-content:space-between;align-items:center;
  margin-bottom:14px;
  font-size:11px;font-weight:600;letter-spacing:.14em;
  text-transform:uppercase;color:var(--ink-400);
}
.pc-alloc-title .ts{color:var(--ink-300);font-size:10px}
.pc-alloc{display:flex;flex-direction:column;gap:11px}
.alloc-row{display:grid;grid-template-columns:auto 1fr auto;gap:14px;align-items:center;font-size:13px}
.alloc-row .lbl{display:flex;align-items:center;gap:10px;color:var(--ink-700);font-weight:500}
.alloc-row .lbl::before{
  content:"";width:8px;height:8px;border-radius:1px;background:var(--clr,var(--brass));
}
.alloc-row .bar{
  height:3px;background:var(--ink-100);border-radius:2px;overflow:hidden;position:relative;
}
.alloc-row .bar::before{
  content:"";position:absolute;left:0;top:0;height:100%;
  width:var(--w,50%);background:var(--clr,var(--brass));
  border-radius:2px;
}
.alloc-row .pct{font-variant-numeric:tabular-nums;font-weight:600;color:var(--ink-900);font-size:13px;min-width:42px;text-align:right}

/* Floating cards on hero */
.float-card{
  position:absolute;
  background:var(--cream-50);
  border:1px solid var(--ink-100);
  border-radius:3px;
  padding:14px 18px;
  display:flex;align-items:center;gap:12px;
  box-shadow:0 20px 40px -10px rgba(35,29,24,.18);
  z-index:3;
}
.float-card .ic{
  width:32px;height:32px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  background:var(--ink-900);
  border-radius:2px;
}
.float-card .ic i{color:var(--brass-lt);font-size:13px}
.float-card .txt{display:flex;flex-direction:column;line-height:1.2}
.float-card .v{font-family:var(--serif);font-size:18px;font-weight:600;color:var(--ink-900)}
.float-card .l{font-size:10.5px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-400);margin-top:3px}
.float-a{top:-18px;left:-30px}
.float-b{bottom:30px;right:-30px}

/* Hero decorative grid lines */
.hero-grid-deco{
  position:absolute;inset:0;
  background-image:
    linear-gradient(to right, var(--ink-100) 1px, transparent 1px);
  background-size:calc(100%/5) 100%;
  opacity:.55;
  pointer-events:none;
}

/* ===========================================
   TRUST / REGULATORY STRIP
   =========================================== */
.trust-strip{
  background:var(--cream-200);
  border-top:1px solid var(--ink-100);
  border-bottom:1px solid var(--ink-100);
  padding:30px 0;
}
.trust-inner{
  display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap;
}
.trust-label{
  font-size:11px;font-weight:600;letter-spacing:.2em;
  text-transform:uppercase;color:var(--ink-400);
  flex-shrink:0;
}
.trust-marks{
  display:flex;align-items:center;gap:clamp(20px,3vw,40px);
  flex-wrap:wrap;
}
.trust-mark{
  font-family:var(--serif);font-style:italic;font-size:15px;
  color:var(--ink-500);letter-spacing:.02em;
  display:flex;align-items:center;gap:8px;
}
.trust-mark .code{
  font-family:var(--mono);
  font-style:normal;font-size:10px;
  color:var(--ink-400);
  border:1px solid var(--ink-200);
  padding:2px 6px;border-radius:2px;
  letter-spacing:.08em;
}

/* ===========================================
   ABOUT
   =========================================== */
.about-grid{
  display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,5vw,80px);align-items:center;
}
.about-meta{
  display:grid;grid-template-columns:1fr 1fr;gap:30px;margin-top:48px;
  padding-top:36px;border-top:1px solid var(--ink-100);
}
.meta-item{display:flex;flex-direction:column;gap:4px}
.meta-num{font-family:var(--serif);font-size:38px;font-weight:500;color:var(--ink-900);line-height:1}
.meta-num small{font-size:.55em;color:var(--brass-dk);font-weight:500}
.meta-lbl{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-400);font-weight:600;margin-top:6px}

.about-visual{
  position:relative;
  border-radius:4px;
  overflow:hidden;
  background:var(--cream-200);
  aspect-ratio:4/5;
}
.about-visual::before{
  content:"";position:absolute;inset:0;
  background:
    linear-gradient(180deg, rgba(24,20,16,0) 40%, rgba(24,20,16,.55) 100%),
    repeating-linear-gradient(45deg, transparent 0, transparent 22px, rgba(163,129,74,.06) 22px, rgba(163,129,74,.06) 24px),
    linear-gradient(140deg, #d4c4a8 0%, #b8a380 50%, #8a7558 100%);
}
.about-visual .placeholder-label{
  position:absolute;left:24px;top:24px;
  font-family:var(--mono);font-size:10.5px;letter-spacing:.1em;
  color:rgba(24,20,16,.55);
  background:rgba(251,248,242,.7);
  padding:5px 9px;border-radius:2px;
  backdrop-filter:blur(4px);
}
.about-visual .quote-overlay{
  position:absolute;left:32px;right:32px;bottom:32px;z-index:2;
  color:var(--cream-50);
}
.about-visual .quote-overlay .qm{
  font-family:var(--serif);font-size:60px;line-height:.6;
  color:var(--brass-lt);
}
.about-visual .quote-overlay p{
  font-family:var(--serif);font-style:italic;
  font-size:20px;line-height:1.45;color:var(--cream-50);
  margin-top:8px;
}
.about-visual .quote-overlay .attr{
  font-family:var(--sans);font-style:normal;
  font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;
  color:var(--brass-lt);margin-top:14px;display:block;
}

/* Principles list */
.principles{margin-top:30px;display:flex;flex-direction:column;gap:0}
.principle{
  display:grid;grid-template-columns:auto 1fr auto;gap:20px;
  padding:22px 0;
  border-bottom:1px solid var(--ink-100);
  align-items:center;
  cursor:pointer;
  transition:padding .3s var(--e1);
}
.principle:hover{padding-left:8px}
.principle:first-child{border-top:1px solid var(--ink-100)}
.principle .idx{
  font-family:var(--mono);font-size:11px;color:var(--brass-dk);font-weight:600;
  letter-spacing:.08em;
}
.principle .body strong{
  display:block;
  font-family:var(--serif);font-size:20px;font-weight:600;color:var(--ink-900);
  margin-bottom:3px;
}
.principle .body span{font-size:13.5px;color:var(--ink-500);line-height:1.55}
.principle .chev{
  color:var(--ink-300);font-size:14px;transition:transform .3s, color .3s;
}
.principle:hover .chev{color:var(--brass);transform:translateX(4px)}

/* ===========================================
   SERVICE STRIP (homepage compact)
   =========================================== */
.svc-strip{
  display:grid;grid-template-columns:repeat(6,1fr);
  border-top:1px solid var(--ink-100);
  border-left:1px solid var(--ink-100);
}
.svc-strip-item{
  padding:28px 22px 24px;
  border-right:1px solid var(--ink-100);
  border-bottom:1px solid var(--ink-100);
  background:var(--cream-50);
  display:flex;flex-direction:column;align-items:flex-start;gap:12px;
  transition:background .3s var(--e1);
  position:relative;
}
.svc-strip-item:hover{background:var(--cream-200)}
.svc-strip-ic{
  width:40px;height:40px;display:flex;align-items:center;justify-content:center;
  border:1px solid var(--ink-200);border-radius:2px;
  color:var(--ink-900);font-size:16px;
  transition:all .3s var(--e1);
}
.svc-strip-item:hover .svc-strip-ic{border-color:var(--brass);color:var(--brass-dk)}
.svc-strip-name{
  font-family:var(--serif);font-size:16px;font-weight:600;color:var(--ink-900);line-height:1.2;
}
.svc-strip-num{
  font-family:var(--mono);font-size:10px;color:var(--brass-dk);letter-spacing:.1em;font-weight:600;
  position:absolute;top:16px;right:16px;
}
@media(max-width:1100px){.svc-strip{grid-template-columns:repeat(3,1fr)}}
@media(max-width:600px){.svc-strip{grid-template-columns:repeat(2,1fr)}}

/* ===========================================
   SERVICES
   =========================================== */
.section-head{
  display:flex;justify-content:space-between;align-items:flex-end;gap:40px;
  margin-bottom:60px;flex-wrap:wrap;
}
.section-head .left{max-width:640px}
.section-head h2.display{margin:14px 0 18px}

.svc-grid{
  display:grid;grid-template-columns:repeat(3,1fr);
  border-top:1px solid var(--ink-100);
  border-left:1px solid var(--ink-100);
}
.svc{
  padding:38px 32px 32px;
  border-right:1px solid var(--ink-100);
  border-bottom:1px solid var(--ink-100);
  background:var(--cream-50);
  position:relative;
  transition:background .35s var(--e1);
  display:flex;flex-direction:column;
}
.svc:hover{background:var(--cream-200)}
.svc-num{
  font-family:var(--mono);font-size:11px;
  color:var(--brass-dk);font-weight:600;letter-spacing:.1em;
  margin-bottom:30px;
}
.svc-ic{
  width:44px;height:44px;
  display:flex;align-items:center;justify-content:center;
  border:1px solid var(--ink-200);
  border-radius:2px;
  margin-bottom:24px;
  color:var(--ink-900);font-size:18px;
  transition:all .35s var(--e1);
}
.svc:hover .svc-ic{border-color:var(--brass);color:var(--brass-dk)}
.svc h4.display{margin-bottom:12px}
.svc p{font-size:14px;line-height:1.65;color:var(--ink-500);margin-bottom:auto;padding-bottom:24px}
.svc .more{
  font-size:12px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
  color:var(--ink-900);
  padding-top:18px;
  border-top:1px solid var(--ink-100);
  display:inline-flex;align-items:center;gap:10px;
  transition:color .3s;
}
.svc:hover .more{color:var(--brass-dk)}
.svc .more .arrow{transition:transform .3s var(--e1)}
.svc:hover .more .arrow{transform:translateX(4px)}

/* ===========================================
   CALCULATOR
   =========================================== */
.calc-section{
  background:var(--ink-900);
  color:var(--cream-200);
  position:relative;
  overflow:hidden;
}
.calc-section::before{
  content:"";position:absolute;inset:0;
  background-image:
    radial-gradient(circle at 100% 0%, rgba(163,129,74,.15) 0%, transparent 50%),
    radial-gradient(circle at 0% 100%, rgba(163,129,74,.08) 0%, transparent 50%);
  pointer-events:none;
}
.calc-grid{
  display:grid;grid-template-columns:1fr 1.15fr;gap:clamp(40px,5vw,80px);
  position:relative;align-items:start;
}
.calc-controls{
  background:rgba(251,248,242,.04);
  border:1px solid rgba(251,248,242,.08);
  border-radius:4px;
  padding:36px;
  backdrop-filter:blur(6px);
}
.calc-field{margin-bottom:28px}
.calc-field:last-child{margin-bottom:0}
.calc-label{
  display:flex;justify-content:space-between;align-items:baseline;
  margin-bottom:12px;
}
.calc-label .name{
  font-size:12px;font-weight:600;letter-spacing:.12em;
  text-transform:uppercase;color:rgba(251,248,242,.78);
}
.calc-label .val{
  font-family:var(--serif);font-size:22px;font-weight:500;color:var(--cream-50);
  font-variant-numeric:tabular-nums;
}
.calc-label .val small{
  font-family:var(--sans);font-size:11px;font-weight:500;
  color:var(--brass-lt);letter-spacing:.08em;margin-left:4px;
}
.range{
  -webkit-appearance:none;appearance:none;
  width:100%;height:2px;
  background:rgba(251,248,242,.15);
  border-radius:2px;
  outline:none;
  position:relative;
}
.range::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;
  width:18px;height:18px;border-radius:50%;
  background:var(--brass);
  border:3px solid var(--ink-900);
  box-shadow:0 0 0 1px var(--brass), 0 4px 12px rgba(163,129,74,.4);
  cursor:pointer;transition:transform .2s;
}
.range::-webkit-slider-thumb:hover{transform:scale(1.15)}
.range::-moz-range-thumb{
  width:18px;height:18px;border-radius:50%;
  background:var(--brass);
  border:3px solid var(--ink-900);
  box-shadow:0 0 0 1px var(--brass);
  cursor:pointer;
}
.range-meta{
  display:flex;justify-content:space-between;
  font-family:var(--mono);font-size:10.5px;
  color:rgba(251,248,242,.4);
  margin-top:8px;letter-spacing:.05em;
}

.calc-preset-row{
  display:flex;gap:8px;flex-wrap:wrap;margin-top:12px;
}
.preset{
  padding:6px 12px;font-size:11.5px;font-weight:600;letter-spacing:.06em;
  background:transparent;border:1px solid rgba(251,248,242,.15);
  color:rgba(251,248,242,.7);
  border-radius:2px;cursor:pointer;
  transition:all .25s;
}
.preset:hover{border-color:var(--brass);color:var(--brass-lt)}
.preset.active{background:var(--brass);border-color:var(--brass);color:var(--ink-900)}

.calc-result{
  background:rgba(251,248,242,.02);
  border:1px solid rgba(251,248,242,.08);
  border-radius:4px;
  padding:36px;
  position:relative;
}
.calc-result-head{
  display:flex;justify-content:space-between;align-items:flex-start;
  margin-bottom:24px;
}
.calc-result-head .label{
  font-size:11px;font-weight:600;letter-spacing:.14em;
  text-transform:uppercase;color:rgba(251,248,242,.55);
  margin-bottom:8px;
}
.calc-result-head .figure{
  font-family:var(--serif);font-size:clamp(40px,4.5vw,58px);
  font-weight:500;color:var(--cream-50);line-height:1;
  letter-spacing:-.01em;
  font-variant-numeric:tabular-nums;
}
.calc-result-head .figure-sub{
  margin-top:10px;
  font-size:13px;color:rgba(251,248,242,.55);
}
.calc-result-head .figure-sub strong{color:var(--brass-lt);font-weight:600}
.calc-result-head .badge{
  font-family:var(--mono);font-size:10px;letter-spacing:.1em;
  color:var(--brass-lt);
  border:1px solid rgba(188,154,94,.3);
  padding:5px 10px;border-radius:2px;
}

.calc-chart{
  height:200px;margin:0 -10px 20px;position:relative;
}
.calc-chart svg{width:100%;height:100%}

.calc-breakdown{
  display:grid;grid-template-columns:repeat(3,1fr);
  border-top:1px solid rgba(251,248,242,.08);
  padding-top:20px;gap:24px;
}
.brk{display:flex;flex-direction:column;gap:4px}
.brk .lbl{
  font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;
  color:rgba(251,248,242,.5);font-weight:600;
  display:flex;align-items:center;gap:6px;
}
.brk .lbl::before{content:"";width:8px;height:8px;border-radius:1px;background:var(--c,var(--brass))}
.brk .val{
  font-family:var(--serif);font-size:22px;font-weight:500;color:var(--cream-50);
  font-variant-numeric:tabular-nums;
}

.calc-disclaimer{
  margin-top:24px;font-size:11px;color:rgba(251,248,242,.4);line-height:1.5;
  font-style:italic;
}

/* ===========================================
   MARKET INSIGHTS
   =========================================== */
.insights-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:20px;
}
.insight{
  background:var(--cream-50);
  border:1px solid var(--ink-100);
  border-radius:4px;
  padding:28px;
  transition:all .35s var(--e1);
  display:flex;flex-direction:column;
}
.insight:hover{transform:translateY(-3px);box-shadow:0 24px 50px -20px rgba(35,29,24,.18);border-color:var(--ink-200)}
.insight-head{
  display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:8px;
}
.insight-ticker{
  font-family:var(--mono);font-size:11px;font-weight:700;
  color:var(--ink-400);letter-spacing:.08em;
}
.insight-name{
  font-family:var(--serif);font-size:18px;font-weight:600;color:var(--ink-900);
  margin-bottom:6px;
}
.insight-meta{
  font-size:11px;color:var(--ink-400);
  letter-spacing:.04em;
  margin-bottom:18px;
}
.insight-value-row{
  display:flex;align-items:baseline;gap:12px;margin-bottom:16px;
}
.insight-value{
  font-family:var(--serif);font-size:32px;font-weight:500;
  color:var(--ink-900);line-height:1;
  font-variant-numeric:tabular-nums;letter-spacing:-.01em;
}
.delta{
  font-size:13px;font-weight:600;
  display:inline-flex;align-items:center;gap:5px;
  padding:3px 9px;border-radius:2px;
  font-variant-numeric:tabular-nums;
}
.delta.up{color:var(--pos);background:rgba(61,125,84,.08)}
.delta.dn{color:var(--neg);background:rgba(155,58,44,.08)}
.insight-chart{
  height:80px;margin:6px -8px 14px;
}
.insight-chart svg{width:100%;height:100%}
.insight-foot{
  margin-top:auto;padding-top:14px;border-top:1px solid var(--ink-100);
  display:flex;justify-content:space-between;
  font-size:11px;color:var(--ink-400);font-family:var(--mono);
}

/* ===========================================
   PROCESS
   =========================================== */
.process{
  display:grid;grid-template-columns:repeat(4,1fr);
  gap:0;border-top:1px solid var(--ink-100);
}
.process-step{
  padding:38px 30px 32px;
  border-right:1px solid var(--ink-100);
  position:relative;
}
.process-step:last-child{border-right:none}
.process-step::before{
  content:"";position:absolute;top:-1px;left:0;width:0;height:1px;
  background:var(--brass);
  transition:width .8s var(--e1);
}
.process-step.in-view::before{width:100%}
.ps-num{
  font-family:var(--serif);font-size:48px;font-weight:500;
  color:var(--brass);line-height:1;margin-bottom:24px;font-style:italic;
}
.ps-title{
  font-family:var(--serif);font-size:22px;font-weight:600;
  color:var(--ink-900);margin-bottom:10px;
}
.ps-desc{font-size:13.5px;color:var(--ink-500);line-height:1.6}
.ps-meta{
  margin-top:18px;font-family:var(--mono);font-size:10.5px;
  color:var(--ink-400);letter-spacing:.08em;
}

/* ===========================================
   TEAM
   =========================================== */
.team-grid{
  display:grid;grid-template-columns:repeat(4,1fr);gap:24px;
}
.advisor{display:flex;flex-direction:column}
.advisor-photo{
  aspect-ratio:4/5;
  border-radius:4px;
  background:var(--cream-300);
  position:relative;overflow:hidden;
  margin-bottom:16px;
}
.advisor-photo::before{
  content:"";position:absolute;inset:0;
  background:
    linear-gradient(180deg, rgba(24,20,16,0) 50%, rgba(24,20,16,.4) 100%),
    repeating-linear-gradient(45deg, transparent 0, transparent 24px, rgba(163,129,74,.08) 24px, rgba(163,129,74,.08) 26px),
    var(--photo-grad, linear-gradient(140deg, #d4c4a8 0%, #a89071 100%));
}
.advisor-photo .ph-lbl{
  position:absolute;left:12px;top:12px;
  font-family:var(--mono);font-size:10px;letter-spacing:.08em;
  color:rgba(24,20,16,.6);
  background:rgba(251,248,242,.75);
  padding:4px 7px;border-radius:2px;backdrop-filter:blur(4px);
}
.advisor-photo .initials{
  position:absolute;inset:0;display:flex;align-items:center;justify-content:center;
  font-family:var(--serif);font-size:60px;font-weight:500;font-style:italic;
  color:rgba(24,20,16,.18);
  letter-spacing:-.02em;
}
.advisor-name{
  font-family:var(--serif);font-size:20px;font-weight:600;color:var(--ink-900);margin-bottom:4px;
}
.advisor-role{
  font-size:12px;font-weight:600;letter-spacing:.1em;
  text-transform:uppercase;color:var(--brass-dk);
  margin-bottom:10px;
}
.advisor-credentials{
  font-family:var(--mono);font-size:11px;color:var(--ink-400);letter-spacing:.06em;
}

/* Featured team leader card (homepage) */
.team-featured-wrap{margin-bottom:32px}
.advisor-featured{
  display:grid;grid-template-columns:200px 1fr;gap:36px;
  padding:36px;
  background:var(--cream-50);
  border:1px solid var(--ink-100);
  border-radius:4px;
  align-items:center;
  transition:background .35s var(--e1);
}
.advisor-featured:hover{background:var(--cream-200)}
.advisor-featured .advisor-photo{margin-bottom:0;aspect-ratio:1}
.advisor-featured .advisor-photo .initials{font-size:80px}
.advisor-featured .advisor-name{font-size:26px}
.advisor-featured-quote{
  font-family:var(--serif);font-style:italic;font-size:17px;
  color:var(--ink-600);line-height:1.5;
  border-left:2px solid var(--brass);padding-left:18px;margin-top:18px;
}
.team-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}

/* ===========================================
   TESTIMONIALS
   =========================================== */
.testi-grid{
  display:grid;grid-template-columns:1.4fr 1fr;gap:24px;
}
.testi{
  padding:42px 36px;
  background:var(--cream-50);
  border:1px solid var(--ink-100);
  border-radius:4px;
  display:flex;flex-direction:column;
}
.testi.dark{background:var(--ink-900);color:var(--cream-100);border-color:var(--ink-700)}
.testi .qm{
  font-family:var(--serif);font-size:64px;line-height:.5;color:var(--brass);
  margin-bottom:18px;font-style:italic;
}
.testi.dark .qm{color:var(--brass-lt)}
.testi blockquote{
  font-family:var(--serif);font-size:22px;font-weight:500;line-height:1.45;
  color:var(--ink-900);margin-bottom:auto;letter-spacing:-.005em;
}
.testi.dark blockquote{color:var(--cream-50)}
.testi-attr{
  display:flex;align-items:center;gap:14px;margin-top:28px;
  padding-top:24px;border-top:1px solid var(--ink-100);
}
.testi.dark .testi-attr{border-color:rgba(251,248,242,.1)}
.testi-attr .avatar{
  width:44px;height:44px;border-radius:50%;flex-shrink:0;
  background:var(--photo-grad, linear-gradient(140deg,#d4c4a8,#a89071));
  display:flex;align-items:center;justify-content:center;
  font-family:var(--serif);font-style:italic;font-weight:600;
  color:rgba(24,20,16,.55);font-size:15px;
}
.testi-attr-text strong{
  display:block;font-family:var(--serif);font-size:16px;color:var(--ink-900);font-weight:600;
}
.testi.dark .testi-attr-text strong{color:var(--cream-50)}
.testi-attr-text span{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-400);font-weight:600}
.testi-stat{
  display:grid;grid-template-columns:1fr;gap:8px;
  padding:18px 22px;border-left:2px solid var(--brass);
  background:var(--cream-200);
  margin-top:24px;
}
.testi.dark .testi-stat{background:rgba(163,129,74,.1);border-color:var(--brass)}
.testi-stat .v{
  font-family:var(--serif);font-size:28px;font-weight:600;color:var(--ink-900);
  line-height:1;font-variant-numeric:tabular-nums;
}
.testi.dark .testi-stat .v{color:var(--cream-50)}
.testi-stat .l{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-500);font-weight:600}
.testi.dark .testi-stat .l{color:rgba(251,248,242,.6)}

/* ===========================================
   LOCATION
   =========================================== */
.loc-grid{
  display:grid;grid-template-columns:1.3fr 1fr;gap:0;
  border:1px solid var(--ink-100);border-radius:4px;overflow:hidden;
  background:var(--cream-50);
}
.loc-map{
  min-height:520px;
  background:var(--cream-200);
  position:relative;
}
.loc-map iframe{width:100%;height:100%;min-height:520px;border:none;display:block;filter:saturate(.6) contrast(.95)}
.loc-info{
  padding:48px 44px;
  display:flex;flex-direction:column;
}
.loc-info .eyebrow{margin-bottom:14px}
.loc-info h3.display{margin-bottom:8px}
.loc-info .addr{
  font-family:var(--serif);font-size:18px;font-style:italic;color:var(--ink-600);
  line-height:1.45;margin-bottom:32px;
}
.loc-rows{display:flex;flex-direction:column;gap:18px;margin-bottom:28px}
.loc-row{display:flex;gap:14px;align-items:flex-start}
.loc-row .ic{
  width:34px;height:34px;flex-shrink:0;
  border:1px solid var(--ink-200);border-radius:2px;
  display:flex;align-items:center;justify-content:center;
  color:var(--brass-dk);font-size:13px;
}
.loc-row .body strong{
  display:block;
  font-size:10.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;
  color:var(--ink-400);margin-bottom:3px;
}
.loc-row .body span, .loc-row .body a{
  font-size:14px;color:var(--ink-700);font-weight:500;
}
.loc-row .body a:hover{color:var(--brass-dk)}
.loc-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:auto}

/* ===========================================
   FINAL CTA
   =========================================== */
.cta{
  background:var(--ink-900);
  color:var(--cream-100);
  position:relative;
  overflow:hidden;
  padding:clamp(80px,9vw,120px) 0;
}
.cta::before{
  content:"";position:absolute;inset:0;
  background-image:
    radial-gradient(ellipse at 50% 100%, rgba(163,129,74,.15) 0%, transparent 55%);
  pointer-events:none;
}
.cta-inner{
  position:relative;text-align:center;max-width:760px;margin:0 auto;
}
.cta h2.display{color:var(--cream-50);margin:18px 0 20px}
.cta p.lede{color:rgba(251,248,242,.7);margin:0 auto 36px}
.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ===========================================
   FOOTER
   =========================================== */
.footer{
  background:var(--cream-200);
  padding:80px 0 30px;
  border-top:1px solid var(--ink-100);
}
.ft-grid{
  display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:60px;
  padding-bottom:50px;
  border-bottom:1px solid var(--ink-100);
}
.ft-brand{display:flex;align-items:center;gap:12px;margin-bottom:18px}
.ft-brand-mark{
  width:34px;height:34px;background:var(--ink-900);border-radius:2px;
  display:flex;align-items:center;justify-content:center;
}
.ft-brand-mark svg{width:18px;height:18px}
.ft-brand-name{font-family:var(--serif);font-size:18px;font-weight:600;color:var(--ink-900);line-height:1}
.ft-brand-sub{font-size:9.5px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-400);margin-top:3px}
.ft-desc{font-size:13.5px;color:var(--ink-500);line-height:1.65;margin-bottom:20px;max-width:36ch}
.ft-socials{display:flex;gap:8px}
.ft-social{
  width:34px;height:34px;border:1px solid var(--ink-200);border-radius:2px;
  display:flex;align-items:center;justify-content:center;
  color:var(--ink-500);font-size:13px;
  transition:all .25s;
}
.ft-social:hover{border-color:var(--ink-900);color:var(--ink-900);background:var(--cream-50)}
.ft-col h5{
  font-size:11px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;
  color:var(--ink-900);margin-bottom:18px;
}
.ft-col ul{display:flex;flex-direction:column;gap:10px}
.ft-col li a{
  font-size:13.5px;color:var(--ink-500);transition:color .25s;
}
.ft-col li a:hover{color:var(--brass-dk)}
.ft-bottom{
  padding:24px 0;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;
}
.ft-copy{font-size:12px;color:var(--ink-400)}
.ft-legal{display:flex;gap:24px}
.ft-legal a{font-size:12px;color:var(--ink-400);transition:color .25s}
.ft-legal a:hover{color:var(--ink-900)}
.ft-disc{
  font-size:11px;color:var(--ink-400);line-height:1.6;
  padding-top:20px;border-top:1px solid var(--ink-100);
  max-width:880px;margin:0 auto;text-align:center;
  font-style:italic;
}

/* ===========================================
   FADE-IN ON SCROLL
   =========================================== */
.fade-in{opacity:0;transform:translateY(20px);transition:opacity .9s var(--e1), transform .9s var(--e1)}
.fade-in.in-view{opacity:1;transform:translateY(0)}
.fade-in.d1{transition-delay:.1s}
.fade-in.d2{transition-delay:.2s}
.fade-in.d3{transition-delay:.3s}

/* Float animations */
@keyframes float-a{
  0%,100%{transform:translateY(0)}
  50%{transform:translateY(-8px)}
}
@keyframes float-b{
  0%,100%{transform:translateY(0)}
  50%{transform:translateY(6px)}
}
.float-a{animation:float-a 6s ease-in-out infinite}
.float-b{animation:float-b 7s ease-in-out infinite .5s}

/* ===========================================
   RESPONSIVE
   =========================================== */
@media (max-width:1100px){
  .svc-grid{grid-template-columns:repeat(2,1fr)}
  .team-grid{grid-template-columns:repeat(2,1fr)}
  .ft-grid{grid-template-columns:1fr 1fr;gap:40px}
  .process{grid-template-columns:repeat(2,1fr)}
  .process-step:nth-child(2){border-right:none}
}
@media (max-width:900px){
  .advisor-featured{grid-template-columns:1fr}
  .team-grid-3{grid-template-columns:repeat(2,1fr)}
  .hero-grid{grid-template-columns:1fr;gap:60px}
  .hero-visual{min-height:auto}
  .float-a{top:-12px;left:0}
  .float-b{position:absolute;bottom:20px;right:-10px}
  .about-grid{grid-template-columns:1fr;gap:50px}
  .about-visual{aspect-ratio:5/3;max-height:400px}
  .calc-grid{grid-template-columns:1fr;gap:30px}
  .insights-grid{grid-template-columns:1fr;gap:14px}
  .testi-grid{grid-template-columns:1fr}
  .loc-grid{grid-template-columns:1fr}
  .loc-map{min-height:300px}
  .loc-map iframe{min-height:300px}
  .section-head{flex-direction:column;align-items:flex-start;gap:24px}
}
@media (max-width:680px){
  .nav-links{
    display:none;
    position:fixed;top:0;left:0;right:0;bottom:0;
    background:var(--cream-100);
    flex-direction:column;align-items:flex-start;justify-content:center;
    padding:80px 40px;gap:8px;z-index:99;
  }
  .nav-links.open{display:flex}
  .nav-toggle{display:flex}
  .nav-link{font-size:24px;font-family:var(--serif);font-weight:500;padding:6px 0}
  .nav .nav-actions .btn{display:none}
  .topbar-left .tb-item:nth-child(n+2),.topbar-left .tb-sep{display:none}
  .topbar-right .tb-item{display:none}
  .topbar-right .tb-pill{display:inline-flex}
  .svc-grid{grid-template-columns:1fr}
  .team-grid{grid-template-columns:repeat(2,1fr);gap:18px}
  .team-grid-3{grid-template-columns:1fr}
  .process{grid-template-columns:1fr}
  .process-step{border-right:none;border-bottom:1px solid var(--ink-100)}
  .ft-grid{grid-template-columns:1fr;gap:36px}
  .about-meta{grid-template-columns:1fr 1fr;gap:20px}
  .calc-breakdown{grid-template-columns:1fr;gap:14px}
  .hero-credentials{gap:24px}
  .calc-controls,.calc-result{padding:24px}
  .loc-info{padding:30px 24px}
  .testi{padding:30px 24px}
  .ft-bottom{flex-direction:column;align-items:flex-start}
  .hero-title{font-size:42px}
  .trust-marks{gap:18px}
}