@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Playfair+Display:ital,wght@0,400;0,500;0,600;0,700;1,400;1,500&display=swap');

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

:root {
    --navy: #0a1628;
    --navy-mid: #122040;
    --navy-light: #1a2a4a;
    --navy-card: #0f1f3d;
    --cream: #f8f4ec;
    --cream-dark: #ede8db;
    --cream-card: #ffffff;
    --teal: #00b7b3;
    --teal-dark: #009694;
    --teal-glow: rgba(0, 183, 179, 0.15);
    --gold: #c9a84c;
    --gold-light: #e8c97a;
    --gold-glow: rgba(201, 168, 76, 0.12);
    --white: #ffffff;
    --text-dark: #1a1a2e;
    --text-muted-dark: #5a5a72;
    --text-light: #f0f0f5;
    --text-muted-light: rgba(255,255,255,0.50);
    --text-pale: rgba(255,255,255,0.75);
    --border-dark: rgba(255,255,255,0.06);
    --border-dark-hover: rgba(255,255,255,0.12);
    --border-light: rgba(0,0,0,0.06);
    --border-light-hover: rgba(0,0,0,0.12);
    --font-sans: 'Inter', sans-serif;
    --font-serif: 'Playfair Display', serif;
    --r: 12px;
    --rs: 6px;
    --rl: 20px;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow: 0 4px 20px rgba(0,0,0,0.1);
    --shadow-lg: 0 12px 40px rgba(0,0,0,0.15);
    --shadow-xl: 0 20px 60px rgba(0,0,0,0.2);
    --t: all 0.4s cubic-bezier(0.4,0,0.2,1);
    --t-fast: all 0.25s cubic-bezier(0.4,0,0.2,1);
    --fs-tiny: 0.68rem;
    --fs-xs: 0.875rem;
    --fs-sm: 1rem;
    --fs-base: 1rem;
    --fs-lg: 1.125rem;
    --fs-xl: 1.25rem;
    --fs-2xl: 1.5rem;
    --fs-3xl: 2rem;
    --lh-tight: 1.15;
    --lh-normal: 1.6;
    --lh-relaxed: 1.8;
}

html { scroll-behavior: smooth; }

body {
    font-family: var(--font-sans);
    font-size: var(--fs-base);
    background: var(--navy);
    color: var(--text-light);
    line-height: var(--lh-relaxed);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; transition: var(--t); }

.container { max-width: 1280px; margin: 0 auto; padding: 0 2rem; }
.text-center { text-align: center; }
.mb-0 { margin-bottom: 0 !important; }
.mb-lg { margin-bottom: 3rem !important; }
.text--pale { color: var(--text-pale); }
.text--sm { font-size: var(--fs-sm); }
.text--xs { font-size: var(--fs-xs); }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: start; }
@media (max-width: 768px) { .grid-2 { grid-template-columns: 1fr; gap: 2rem; } }
.service-item__app { color: var(--text-pale); font-size: var(--fs-sm); margin-top: 0.75rem; line-height: var(--lh-normal); }
.service-item__app strong { color: var(--text-light); }
.contact-info { margin-bottom: 1rem; }
.contact-info__label { display: block; margin-bottom: 0.25rem; font-size: var(--fs-sm); color: var(--text-muted-light); font-weight: 500; }
.contact-info__value a { color: var(--teal); font-weight: 600; }
.contact-info__value { color: var(--text-pale); }

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-serif);
    line-height: var(--lh-tight);
    letter-spacing: -0.03em;
    color: var(--white);
    font-weight: 600;
}

::selection { background: var(--teal); color: var(--white); }

/* ── HEADER (Baker Tilly inspired) ── */
.header {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    background: rgba(10, 22, 40, 0.88);
    backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(255,255,255,0.04);
    transition: var(--t);
}
.header.scrolled {
    background: rgba(10, 22, 40, 0.96);
    border-bottom-color: rgba(255,255,255,0.06);
}
.header__inner {
    display: flex;
    align-items: center;
    padding: 0.85rem 0;
    gap: 2rem;
}

.logo {
    font-family: var(--font-sans);
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--white);
    letter-spacing: -0.03em;
    flex-shrink: 0;
}

.nav {
    flex: 1;
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 2rem;
}
.nav__link {
    font-size: var(--fs-sm);
    font-weight: 500;
    color: var(--text-muted-light);
    padding: 0.3rem 0;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    position: relative;
    transition: var(--t-fast);
}
.nav__link:hover { color: var(--teal); }
.nav__link--active { color: var(--teal); }
.nav__link--active::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0; right: 0;
    height: 2px;
    background: var(--teal);
    border-radius: 2px;
}

.header__cta {
    flex-shrink: 0;
    font-size: var(--fs-xs);
    font-weight: 600;
    color: var(--teal);
    border: 1.5px solid var(--teal);
    padding: 0.4rem 1.25rem;
    border-radius: 4px;
    transition: var(--t-fast);
    letter-spacing: 0.3px;
    text-transform: uppercase;
}
.header__cta:hover {
    background: var(--teal);
    color: var(--navy);
}

.header__lang {
    flex-shrink: 0;
    position: relative;
    font-size: var(--fs-xs);
    font-weight: 600;
    color: var(--text-muted-light);
    cursor: pointer;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    padding: 0.3rem 0.7rem;
    border: 1px solid var(--border-dark);
    border-radius: 4px;
    background: none;
    transition: var(--t-fast);
    font-family: var(--font-sans);
}
.header__lang:hover { border-color: rgba(255,255,255,0.15); color: var(--teal); }
.header__lang-dropdown {
    display: none;
    position: absolute;
    top: 100%; right: 0;
    background: var(--navy-mid);
    border: 1px solid var(--border-dark);
    border-radius: var(--rs);
    box-shadow: var(--shadow-lg);
    min-width: 180px;
    padding: 0.5rem;
    z-index: 100;
    margin-top: 0.35rem;
}
.header__lang-dropdown.open { display: block; }
.header__lang-dropdown a {
    display: block;
    padding: 0.45rem 0.75rem;
    font-size: var(--fs-xs);
    color: var(--text-muted-light);
    border-radius: 4px;
    transition: var(--t-fast);
}
.header__lang-dropdown a:hover { background: rgba(0, 183, 179, 0.08); color: var(--teal); }

.nav__toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    background: none;
    border: none;
    padding: 0.5rem;
    z-index: 1001;
}
.nav__toggle span {
    display: block;
    width: 22px;
    height: 2px;
    background: rgba(255,255,255,0.5);
    transition: var(--t);
    border-radius: 2px;
}

/* ── HERO (ARH inspired: split layout, gold accents) ── */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding-top: 80px;
    overflow: hidden;
    background: var(--navy);
}
.hero__bg {
    position: absolute; inset: 0;
    background:
        radial-gradient(ellipse 70% 55% at 75% 40%, rgba(0, 183, 179, 0.06) 0%, transparent 60%),
        radial-gradient(ellipse 50% 70% at 15% 80%, rgba(201, 168, 76, 0.05) 0%, transparent 50%),
        linear-gradient(160deg, #0a1628 0%, #0f1f3d 50%, #0a1628 100%);
    background-size: 200% 200%;
    animation: heroBgShift 20s ease-in-out infinite alternate;
    pointer-events: none;
}
@keyframes heroBgShift {
    0% { background-position: 0% 0%; }
    100% { background-position: 50% 50%; }
}
.hero__grid {
    position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(201,168,76,0.6) 1px, transparent 1px),
        linear-gradient(90deg, rgba(201,168,76,0.6) 1px, transparent 1px);
    background-size: 64px 64px;
    pointer-events: none;
    opacity: 0;
    animation: heroGridFade 4s ease-in-out 0.5s forwards, heroGridPulse 8s ease-in-out 2.5s infinite;
}
@keyframes heroGridFade {
    to { opacity: 0.03; }
}
@keyframes heroGridPulse {
    0%, 100% { opacity: 0.03; }
    50% { opacity: 0.055; }
}
.section-particles {
    position: absolute; inset: 0;
    pointer-events: none;
    z-index: 1;
}
.hero__glow-spot {
    position: absolute;
    border-radius: 50%;
    filter: blur(100px);
    will-change: transform;
    pointer-events: none;
}
.hero__glow-spot--1 {
    width: 500px; height: 500px;
    background: rgba(0, 183, 179, 0.06);
    top: 0; right: 0;
    animation: heroFloat1 16s ease-in-out infinite;
}
.hero__glow-spot--2 {
    width: 400px; height: 400px;
    background: rgba(201, 168, 76, 0.04);
    bottom: 0; left: 30%;
    animation: heroFloat2 12s ease-in-out infinite;
}
@keyframes heroFloat1 {
    0% { transform: translate(0, 0); }
    30% { transform: translate(-80px, 60px); }
    60% { transform: translate(40px, -40px); }
    100% { transform: translate(0, 0); }
}
@keyframes heroFloat2 {
    0% { transform: translate(0, 0); }
    25% { transform: translate(60px, -80px); }
    50% { transform: translate(-40px, 40px); }
    75% { transform: translate(30px, -20px); }
    100% { transform: translate(0, 0); }
}

.hero__inner {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
    padding: 4rem 0 2rem;
    width: 100%;
}

.hero__content { margin-top: -170px; }

.hero__tag {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    font-size: var(--fs-sm);
    font-weight: 500;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 1.5rem;
    font-family: var(--font-sans);
}
.hero__tag::before {
    content: '';
    width: 24px;
    height: 1px;
    background: var(--gold);
}

.hero h1 {
    font-family: var(--font-serif);
    font-size: clamp(2.4rem, 4.5vw, 3.6rem);
    font-weight: 700;
    line-height: var(--lh-tight);
    margin-bottom: 1.5rem;
    letter-spacing: -0.03em;
}
.hero h1 .hero__sub-line {
    display: block;
    color: var(--text-muted-light);
    font-weight: 400;
    font-style: italic;
    font-size: clamp(1.1rem, 2vw, 1.6rem);
    margin-top: 0.3rem;
    letter-spacing: -0.02em;
}

.hero__desc {
    font-size: var(--fs-base);
    color: var(--text-pale);
    max-width: 500px;
    line-height: var(--lh-relaxed);
    margin-bottom: 2.5rem;
}

.hero__actions {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
}

.hero__stats {
    display: flex;
    flex-direction: column;
    gap: 1.75rem;
    padding-left: 2rem;
    border-left: 1px solid rgba(201, 168, 76, 0.2);
}
.hero__stat {
    text-align: left;
    transition: var(--t);
    cursor: default;
}
.hero__stat:hover { transform: translateX(4px); }
.hero__stat-num {
    font-family: var(--font-serif);
    font-size: 2.2rem;
    font-weight: 700;
    color: var(--gold-light);
    line-height: 1;
    display: block;
    letter-spacing: -0.03em;
    transition: var(--t);
}
.hero__stat:hover .hero__stat-num {
    color: var(--gold);
    text-shadow: 0 0 30px var(--gold-glow);
}
.hero__stat-label {
    font-size: var(--fs-xs);
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--text-muted-light);
    font-weight: 500;
    margin-top: 0.25rem;
    display: block;
}
.hero__stat-divider {
    width: 40px;
    height: 1px;
    background: rgba(201, 168, 76, 0.15);
}

.hero__marquee {
    position: absolute;
    bottom: 0; left: 0; right: 0;
    overflow: hidden;
    padding: 1rem 0;
    border-top: 1px solid var(--border-dark);
    background: rgba(255,255,255,0.01);
}
.hero__marquee-track {
    display: flex;
    gap: 3rem;
    white-space: nowrap;
    animation: marquee 30s linear infinite;
    transition: var(--t);
}
.hero__marquee:hover .hero__marquee-track { animation-play-state: paused; }
.hero__marquee-track span {
    font-size: var(--fs-sm);
    font-weight: 500;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--text-muted-light);
    opacity: 0.5;
}

@keyframes marquee {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

.hero__scroll {
    position: absolute;
    bottom: 5rem;
    left: 50%;
    transform: translateX(-50%);
    z-index: 3;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.5rem;
    color: var(--text-muted-light);
    font-size: var(--fs-xs);
    letter-spacing: 2px;
    text-transform: uppercase;
    font-weight: 500;
    animation: scrollBounce 2s ease-in-out infinite;
    cursor: pointer;
    transition: var(--t);
    opacity: 0.6;
}
.hero__scroll:hover { opacity: 1; color: var(--teal); }
.hero__scroll-line {
    width: 1px;
    height: 40px;
    background: linear-gradient(to bottom, var(--text-muted-light), transparent);
}
@keyframes scrollBounce {
    0%, 100% { transform: translateX(-50%) translateY(0); }
    50% { transform: translateX(-50%) translateY(8px); }
}

/* ── BUTTONS (teal + gold system) ── */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.7rem 1.75rem;
    border-radius: 4px;
    font-weight: 600;
    font-size: var(--fs-sm);
    cursor: pointer;
    border: none;
    transition: var(--t);
    text-align: center;
    font-family: var(--font-sans);
    letter-spacing: 0.3px;
}
.btn--primary {
    background: var(--teal);
    color: var(--navy);
}
.btn--primary:hover {
    background: var(--teal-dark);
    transform: translateY(-1px);
    box-shadow: 0 6px 20px var(--teal-glow);
}
.btn--accent {
    background: var(--gold);
    color: var(--navy);
}
.btn--accent:hover {
    background: var(--gold-light);
    transform: translateY(-1px);
    box-shadow: 0 6px 20px var(--gold-glow);
}
.btn--outline {
    background: transparent;
    color: var(--text-light);
    border: 1.5px solid rgba(255,255,255,0.15);
}
.btn--outline:hover { border-color: var(--teal); color: var(--teal); }
.btn--outline-gold {
    background: transparent;
    color: var(--gold);
    border: 1.5px solid var(--gold);
}
.btn--outline-gold:hover { background: var(--gold); color: var(--navy); }
.btn--dark {
    background: var(--navy-mid);
    color: var(--text-light);
    border: 1px solid var(--border-dark);
}
.btn--dark:hover { background: var(--navy-light); transform: translateY(-1px); }

/* ── SECTIONS ── */
.section { padding: 6rem 0; }
.section--dark {
    background: var(--navy);
    color: var(--text-light);
}
.section--light {
    background: var(--cream);
    color: var(--text-dark);
}
.section--light h2,
.section--light h3,
.section--light .section__heading {
    color: var(--text-dark);
}
.section--light .section__sub {
    color: var(--text-muted-dark);
}

.section__tag {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    font-size: var(--fs-sm);
    font-weight: 600;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-bottom: 0.75rem;
    font-family: var(--font-sans);
}
.section--dark .section__tag { color: var(--text-muted-light); }
.section--light .section__tag { color: var(--teal); }
.section__tag::before {
    content: '';
    width: 20px;
    height: 1px;
    flex-shrink: 0;
}
.section--dark .section__tag::before { background: rgba(255,255,255,0.15); }
.section--light .section__tag::before { background: var(--teal); }

.section__heading {
    font-family: var(--font-serif);
    font-size: clamp(1.8rem, 3.5vw, 2.6rem);
    font-weight: 600;
    margin-bottom: 0.75rem;
    letter-spacing: -0.03em;
    line-height: var(--lh-tight);
}
.section--dark .section__heading { color: var(--white); }
.section--light .section__heading { color: var(--text-dark); }

.section__sub {
    font-size: var(--fs-base);
    max-width: 600px;
    line-height: var(--lh-relaxed);
}
.section--dark .section__sub { color: var(--text-pale); }
.section--light .section__sub { color: var(--text-muted-dark); }

.section__row {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    gap: 2rem;
    margin-bottom: 3rem;
}

/* ── INDUSTRIES CARDS (dark bg, teal accent top) ── */
.industry-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
}
.industry-card {
    display: flex;
    gap: 1.25rem;
    padding: 1.75rem;
    background: var(--navy-card);
    border-radius: var(--r);
    border-top: 3px solid transparent;
    transition: var(--t);
    align-items: flex-start;
}
.industry-card:hover {
    border-top-color: var(--teal);
    background: var(--navy-mid);
    transform: translateY(-3px);
}
.industry-card__icon {
    font-size: 1.6rem;
    flex-shrink: 0;
    line-height: 1;
    margin-top: 0.1rem;
    opacity: 0.7;
    transition: var(--t);
}
.industry-card:hover .industry-card__icon { opacity: 1; }
.industry-card__body h3 {
    font-size: var(--fs-lg);
    font-weight: 600;
    margin-bottom: 0.3rem;
}
.industry-card__body p {
    font-size: var(--fs-sm);
    color: var(--text-pale);
    line-height: var(--lh-normal);
    margin-bottom: 0.5rem;
}
.industry-card__count {
    display: inline-block;
    font-size: var(--fs-sm);
    font-weight: 500;
    padding: 0.15rem 0.5rem;
    border-radius: 999px;
    background: rgba(0, 183, 179, 0.08);
    color: var(--teal);
    border: 1px solid rgba(0, 183, 179, 0.15);
}

/* ── EXPERTISE (light cream bg, dark text, teal numbers) ── */
.expertise-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
}
.expertise-card {
    padding: 2.25rem 2rem;
    background: var(--cream-card);
    border-radius: var(--r);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-light);
    transition: var(--t);
}
.expertise-card:hover {
    box-shadow: var(--shadow);
    transform: translateY(-3px);
    border-color: rgba(0, 183, 179, 0.15);
}
.expertise-card__num {
    font-family: var(--font-serif);
    font-size: 1rem;
    font-weight: 700;
    color: var(--teal);
    display: block;
    margin-bottom: 0.35rem;
    letter-spacing: -0.02em;
}
.expertise-card h3 {
    font-family: var(--font-serif);
    font-size: var(--fs-lg);
    font-weight: 600;
    margin-bottom: 0.4rem;
    color: var(--text-dark);
}
.expertise-card p {
    font-size: var(--fs-sm);
    color: var(--text-muted-dark);
    line-height: var(--lh-normal);
    margin-bottom: 0.75rem;
}
.expertise-card__tags {
    display: flex;
    flex-wrap: wrap;
    gap: 0.35rem;
}
.expertise-card__tag {
    font-size: var(--fs-sm);
    padding: 0.15rem 0.55rem;
    background: rgba(0, 183, 179, 0.06);
    color: var(--teal-dark);
    border-radius: 999px;
    font-weight: 500;
    border: 1px solid rgba(0, 183, 179, 0.1);
}

/* ── IMPACT (dark bg, gold numbers) ── */
.impact-statement {
    text-align: center;
    max-width: 800px;
    margin: 0 auto 3rem;
}
.impact-statement__text {
    font-family: var(--font-serif);
    font-size: clamp(1.3rem, 2.5vw, 1.8rem);
    font-weight: 600;
    line-height: var(--lh-normal);
    letter-spacing: -0.02em;
}
.impact-statement__text em { font-style: italic; color: var(--gold-light); }

.impact-metrics {
    display: flex;
    justify-content: center;
    gap: 4rem;
    flex-wrap: wrap;
}
.impact-metric { text-align: center; }
.impact-metric__num {
    font-family: var(--font-serif);
    font-size: 2.4rem;
    font-weight: 700;
    color: var(--gold-light);
    line-height: 1;
    margin-bottom: 0.2rem;
    display: block;
    letter-spacing: -0.03em;
}
.impact-metric__label {
    font-size: var(--fs-sm);
    color: var(--text-muted-light);
    font-weight: 500;
    letter-spacing: 1px;
    text-transform: uppercase;
}

/* ── APPROACH (light cream bg, numbered steps) ── */
.approach-steps {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 2rem;
}
.approach-step {
    padding: 2.5rem 2rem;
    background: var(--cream-card);
    border-radius: var(--r);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-light);
    transition: var(--t);
    position: relative;
}
.approach-step:hover {
    box-shadow: var(--shadow);
    transform: translateY(-3px);
}
.approach-step__num {
    font-family: var(--font-serif);
    font-size: 3rem;
    font-weight: 700;
    color: var(--teal);
    opacity: 0.12;
    line-height: 1;
    margin-bottom: 0.25rem;
    transition: var(--t);
}
.approach-step:hover .approach-step__num { opacity: 0.2; }
.approach-step h3 {
    font-family: var(--font-serif);
    font-size: var(--fs-xl);
    font-weight: 600;
    margin-bottom: 0.5rem;
    color: var(--text-dark);
}
.approach-step p {
    font-size: var(--fs-base);
    color: var(--text-muted-dark);
    line-height: var(--lh-normal);
}

/* ── TESTIMONIALS (dark bg, gold quote marks) ── */
.testimonial-card {
    background: var(--navy-card);
    border-radius: var(--rl);
    border: 1px solid var(--border-dark);
    text-align: center;
    position: relative;
    overflow: hidden;
    padding-bottom: 2rem;
}
.testimonial-card__track {
    display: flex;
    transition: transform 0.5s cubic-bezier(0.1,0.7,0.3,1);
    touch-action: none;
    cursor: grab;
    user-select: none;
}
.testimonial-card__track.dragging { cursor: grabbing; transition: none; }
.testimonial-card__slide {
    flex-shrink: 0;
    width: 100%;
    padding: 3rem 3rem 0;
}
.testimonial-card__quote {
    font-size: var(--fs-lg);
    line-height: var(--lh-relaxed);
    color: var(--text-pale);
    margin-bottom: 2rem;
    font-style: italic;
    position: relative;
    max-width: 680px;
    margin-left: auto;
    margin-right: auto;
}
.testimonial-card__quote::before {
    content: '\201C';
    font-family: var(--font-serif);
    font-size: 5rem;
    color: var(--gold);
    opacity: 0.15;
    position: absolute;
    top: -1.8rem;
    left: -0.5rem;
    font-style: normal;
    line-height: 1;
}
.testimonial-card__author {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.75rem;
}
.testimonial-card__author > div:last-child { text-align: left; }
.testimonial-card__avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: rgba(0, 183, 179, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    color: var(--teal);
    font-size: var(--fs-sm);
    font-family: var(--font-sans);
}
.testimonial-card__name { font-weight: 600; font-size: var(--fs-base); color: var(--white); }
.testimonial-card__role { font-size: var(--fs-sm); color: var(--text-muted-light); }
.testimonial-card__dots {
    display: flex;
    gap: 0.5rem;
    justify-content: center;
    margin-top: 2rem;
}
.testimonial-card__dot {
    width: 6px; height: 6px;
    border-radius: 50%;
    background: rgba(255,255,255,0.12);
    transition: var(--t-fast);
    cursor: pointer;
    border: none;
}
.testimonial-card__dot:hover { background: rgba(255,255,255,0.25); }
.testimonial-card__dot.active { background: var(--teal); width: 24px; border-radius: 3px; }

/* ── CTA ── */
.cta-section {
    text-align: center;
    padding: 5rem 0;
}
.cta-section h2 {
    font-family: var(--font-serif);
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 600;
    margin-bottom: 0.75rem;
    letter-spacing: -0.03em;
}
.cta-section p {
    font-size: var(--fs-base);
    margin-bottom: 2rem;
    line-height: var(--lh-relaxed);
    max-width: 560px;
    margin-left: auto;
    margin-right: auto;
}
.section--light .cta-section h2 { color: var(--text-dark); }
.section--light .cta-section p { color: var(--text-muted-dark); }
.section--dark .cta-section h2 { color: var(--white); }
.section--dark .cta-section p { color: var(--text-pale); }

/* ── FOOTER ── */
.footer {
    background: var(--navy-mid);
    border-top: 1px solid var(--border-dark);
    padding: 3rem 0;
}
.footer__body {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1.5rem;
    margin-bottom: 2rem;
}
.footer__identity {
    display: flex;
    align-items: center;
    gap: 1.5rem;
}
.footer__logo {
    font-family: var(--font-sans);
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--white);
    letter-spacing: -0.3px;
}
.footer__tagline {
    font-size: var(--fs-sm);
    color: var(--text-pale);
    max-width: 260px;
    line-height: var(--lh-normal);
    border-left: 1px solid rgba(255,255,255,0.08);
    padding-left: 1.5rem;
}
.footer__nav {
    display: flex;
    gap: 1.75rem;
    align-items: center;
}
.footer__nav a {
    font-size: var(--fs-sm);
    color: var(--text-pale);
    font-weight: 500;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    transition: var(--t-fast);
}
.footer__nav a:hover { color: var(--teal); }
.footer__bar {
    border-top: 1px solid rgba(255,255,255,0.06);
    padding-top: 1.5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
    font-size: var(--fs-sm);
    color: var(--text-muted-light);
}
.footer__bar a { color: var(--text-pale); opacity: 0.6; }
.footer__bar a:hover { color: var(--teal); opacity: 1; }
.footer__social {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}
.footer__social-divider { color: rgba(255,255,255,0.1); }

/* ── PAGE HEADER (inner pages) ── */
.page-header {
    background: var(--navy);
    padding: 9rem 0 5rem;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.page-header::before {
    content: '';
    position: absolute; inset: 0;
    background:
        radial-gradient(ellipse 60% 40% at 50% 30%, rgba(0, 183, 179, 0.04) 0%, transparent 50%),
        radial-gradient(ellipse 40% 60% at 80% 70%, rgba(201, 168, 76, 0.03) 0%, transparent 50%);
    pointer-events: none;
}
.page-header__grid {
    position: absolute; inset: 0; opacity: 0.02;
    background-image:
        linear-gradient(rgba(201,168,76,0.5) 1px, transparent 1px),
        linear-gradient(90deg, rgba(201,168,76,0.5) 1px, transparent 1px);
    background-size: 64px 64px;
    pointer-events: none;
}
.page-header h1 {
    font-family: var(--font-serif);
    font-size: clamp(2rem, 3.5vw, 2.8rem);
    font-weight: 600;
    margin-bottom: 0.75rem;
    position: relative;
    z-index: 2;
    letter-spacing: -0.03em;
}
.page-header p {
    font-size: var(--fs-lg);
    color: var(--text-pale);
    max-width: 540px;
    margin: 0 auto;
    position: relative;
    z-index: 2;
    line-height: var(--lh-relaxed);
}
.page-header--article .page-header__inner {
    max-width: 1280px;
    margin-left: 0;
    margin-right: auto;
    display: flex;
    flex-direction: column;
    align-items: stretch;
}
.article-tag {
    font-size: var(--fs-xs);
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--gold);
    display: inline-block;
    align-self: flex-start;
    margin-bottom: 1rem;
    position: relative;
    z-index: 2;
}
.article-tag::after {
    content: '';
    display: block;
    width: 100%;
    height: 1px;
    background: var(--gold);
    margin-top: 0.5rem;
    opacity: 0.3;
}
.h1-wrapper {
    display: inline-block;
    align-self: flex-start;
}
.h1-decor {
    display: block;
    width: 100%;
    height: 2px;
    background: var(--gold);
    margin: 0.75rem 0 1rem;
    opacity: 0.5;
}
.article-meta {
    font-size: var(--fs-sm);
    color: var(--text-muted-light);
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-top: 1rem;
    position: relative;
    z-index: 2;
}
.article-meta__dot {
    width: 3px;
    height: 3px;
    border-radius: 50%;
    background: var(--text-muted-light);
    opacity: 0.4;
}
.page-header__divider {
    height: 1px;
    background: rgba(255,255,255,0.13);
    max-width: 1280px;
    margin-top: 30px;
    margin-bottom: 30px;
    margin-left: 0;
    margin-right: auto;
}

/* ── SERVICE EXPERTISE LIST (dark bg) ── */
.service-list {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}
.service-item {
    display: grid;
    grid-template-columns: 60px 1fr;
    gap: 1.5rem;
    padding: 1.75rem 2rem;
    background: var(--navy-card);
    border-radius: var(--r);
    border: 1px solid var(--border-dark);
    transition: var(--t);
    align-items: start;
}
.service-item:hover { border-color: rgba(0, 183, 179, 0.15); background: var(--navy-mid); transform: translateY(-2px); }
.service-item__num {
    font-family: var(--font-serif);
    font-size: 1.6rem;
    font-weight: 700;
    color: var(--teal);
    opacity: 0.3;
    line-height: 1;
}
.service-item__body h3 {
    font-family: var(--font-serif);
    font-size: var(--fs-xl);
    font-weight: 600;
    margin-bottom: 0.4rem;
}
.service-item__body p {
    color: var(--text-pale);
    font-size: var(--fs-sm);
    line-height: var(--lh-normal);
}
.service-item__tags {
    display: flex;
    flex-wrap: wrap;
    gap: 0.35rem;
    margin-top: 0.75rem;
}
.service-item__tag {
    font-size: var(--fs-xs);
    padding: 0.25rem 0.65rem;
    background: rgba(0, 183, 179, 0.06);
    color: var(--teal);
    border-radius: 999px;
    font-weight: 500;
    border: 1px solid rgba(0, 183, 179, 0.1);
}

/* ── FOCUS GRID (dark bg) ── */
.focus-grid {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 1.5rem;
}
.focus-card {
    padding: 2.5rem 2rem;
    background: var(--navy-card);
    border-radius: var(--r);
    border: 1px solid var(--border-dark);
    transition: var(--t);
    text-align: center;
}
.focus-card:hover { border-color: rgba(0, 183, 179, 0.15); background: var(--navy-mid); transform: translateY(-3px); }
.focus-card__icon { font-size: 2.2rem; margin-bottom: 1.25rem; opacity: 0.7; color: var(--white); }
.focus-card h3 {
    font-family: var(--font-serif);
    font-size: var(--fs-lg);
    font-weight: 600;
    margin-bottom: 0.5rem;
    color: var(--white);
}
.focus-card p {
    font-size: var(--fs-sm);
    color: var(--text-pale);
    line-height: var(--lh-normal);
}

/* ── VALUES (dark bg) ── */
.values-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}
.value-card {
    text-align: center;
    padding: 2.5rem 2rem;
    background: var(--navy-card);
    border: 1px solid var(--border-dark);
    border-radius: var(--r);
    transition: var(--t);
}
.value-card:hover { border-color: rgba(0, 183, 179, 0.15); background: var(--navy-mid); }
.value-card__icon {
    width: 60px; height: 60px;
    border-radius: 50%;
    margin: 0 auto 1.25rem;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    transition: var(--t);
    background: rgba(0, 183, 179, 0.06);
    color: var(--teal);
}
.value-card:hover .value-card__icon { transform: scale(1.1); background: rgba(0, 183, 179, 0.12); }
.value-card h3 {
    font-family: var(--font-serif);
    font-size: var(--fs-lg);
    font-weight: 600;
    margin-bottom: 0.4rem;
    color: var(--white);
}
.value-card p {
    font-size: var(--fs-sm);
    color: var(--text-pale);
    line-height: var(--lh-normal);
    margin: 0;
}

/* ── INSIGHT CARDS (cream light bg, dark text) ── */
.insight-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}
.insight-card {
    padding: 2rem;
    background: var(--cream-card);
    border-radius: var(--r);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-light);
    transition: var(--t);
}
.insight-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.insight-card__num {
    font-size: var(--fs-xs);
    font-weight: 600;
    color: var(--teal);
    letter-spacing: 2px;
    text-transform: uppercase;
    margin-bottom: 0.5rem;
}
.insight-card h3 {
    font-family: var(--font-serif);
    font-size: var(--fs-lg);
    font-weight: 600;
    margin-bottom: 0.5rem;
    color: var(--text-dark);
}
.insight-card p {
    font-size: var(--fs-sm);
    color: var(--text-muted-dark);
    line-height: var(--lh-normal);
    margin: 0;
}

/* ── BLOG ── */
.blog-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
}
.blog-card {
    background: var(--navy-card);
    border-radius: var(--r);
    border: 1px solid var(--border-dark);
    overflow: hidden;
    transition: var(--t);
    display: flex;
    flex-direction: column;
}
.blog-card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
    border-color: rgba(0, 183, 179, 0.15);
    background: var(--navy-mid);
}
.blog-card__image { position: relative; overflow: hidden; }
.blog-card__placeholder {
    height: 200px;
    background: linear-gradient(135deg, var(--navy-mid), var(--navy-light));
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.04);
}
.blog-card__placeholder svg { width: 48px; height: 48px; }
.blog-card__body {
    padding: 1.75rem;
    flex: 1;
    display: flex;
    flex-direction: column;
}
.blog-card__meta {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 0.75rem;
}
.blog-card__tag {
    display: inline-flex;
    font-size: var(--fs-xs);
    font-weight: 600;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    padding: 0.2rem 0.6rem;
    border-radius: 999px;
    background: rgba(0, 183, 179, 0.06);
    color: var(--teal);
    border: 1px solid rgba(0, 183, 179, 0.1);
}
.blog-card__tag:hover { background: rgba(0, 183, 179, 0.12); }
.blog-card__date {
    font-size: var(--fs-xs);
    color: var(--text-muted-light);
    font-weight: 500;
}
.blog-card__author {
    font-size: var(--fs-xs);
    color: var(--text-muted-light);
    font-weight: 400;
    font-style: italic;
}
.blog-card__author::before {
    content: '\2022';
    margin-right: 0.5rem;
    opacity: 0.4;
}
.blog-card__title {
    font-family: var(--font-serif);
    font-size: var(--fs-xl);
    font-weight: 600;
    margin-bottom: 0.5rem;
    line-height: var(--lh-tight);
    letter-spacing: -0.02em;
}
.blog-card__excerpt {
    font-size: var(--fs-sm);
    color: var(--text-pale);
    line-height: var(--lh-normal);
    margin-bottom: 1rem;
    flex: 1;
}
.blog-card__link {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    font-size: var(--fs-sm);
    font-weight: 500;
    color: var(--teal);
    width: fit-content;
}
.blog-card__link:hover { color: var(--teal-dark); }
.blog-tag {
    display: inline-flex;
    font-size: var(--fs-sm);
    font-weight: 500;
    padding: 0.4rem 1rem;
    border-radius: 999px;
    background: rgba(255,255,255,0.03);
    color: var(--text-muted-light);
    cursor: pointer;
    transition: var(--t-fast);
    border: 1px solid transparent;
    font-family: var(--font-sans);
}
.blog-tag:hover { border-color: var(--border-dark); color: var(--text-pale); }
.blog-tag--active { background: var(--teal); color: var(--navy); border-color: var(--teal); }

/* ── CONTACT FORM (on dark bg) ── */
.contact-form {
    background: var(--navy-card);
    border-radius: var(--rl);
    padding: 2.5rem;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border-dark);
}
.contact-form h2 {
    font-family: var(--font-serif);
    font-size: var(--fs-xl);
    font-weight: 600;
    margin-bottom: 0.5rem;
}
.contact-form > p { color: var(--text-pale); margin-bottom: 2rem; font-size: var(--fs-sm); }

.form__group { margin-bottom: 1.25rem; }
.form__group label {
    display: block;
    font-weight: 500;
    font-size: var(--fs-sm);
    margin-bottom: 0.4rem;
    color: var(--text-muted-light);
}
.form__group input, .form__group textarea, .form__group select {
    width: 100%;
    padding: 0.8rem 1rem;
    border: 1.5px solid var(--border-dark);
    border-radius: var(--rs);
    font-size: var(--fs-base);
    font-family: var(--font-sans);
    transition: var(--t);
    background: rgba(255,255,255,0.02);
    color: var(--text-light);
    outline: none;
}
.form__group input:focus, .form__group textarea:focus, .form__group select:focus {
    border-color: var(--teal);
    box-shadow: 0 0 0 3px var(--teal-glow);
}
.form__group textarea { resize: vertical; min-height: 120px; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

.form__submit {
    width: 100%;
    padding: 1rem;
    background: var(--teal);
    color: var(--navy);
    border: none;
    border-radius: var(--rs);
    font-size: var(--fs-base);
    font-weight: 600;
    cursor: pointer;
    transition: var(--t);
    font-family: var(--font-sans);
}
.form__submit:hover {
    transform: translateY(-1px);
    box-shadow: 0 6px 20px var(--teal-glow);
}

.form-success-overlay {
    display: none;
    position: fixed;
    inset: 0;
    z-index: 9999;
    background: rgba(10, 22, 40, 0.9);
    backdrop-filter: blur(10px);
    align-items: center;
    justify-content: center;
}
.form-success-overlay.active { display: flex; }
.form-success-box {
    background: var(--navy-mid);
    border: 1px solid var(--border-dark);
    border-radius: var(--rl);
    padding: 3.5rem 3rem;
    text-align: center;
    max-width: 460px;
    box-shadow: var(--shadow-xl);
    animation: fadeInUp 0.5s ease;
}
.form-success-box__icon {
    width: 64px; height: 64px;
    background: rgba(0, 183, 179, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    font-size: 1.8rem;
    color: var(--teal);
}
.form-success-box h3 {
    font-family: var(--font-serif);
    font-size: 1.3rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
}
.form-success-box p {
    color: var(--text-pale);
    font-size: var(--fs-sm);
    line-height: 1.7;
    margin-bottom: 2rem;
}
.form-success-box .btn { cursor: pointer; }

/* ── LOAN PAGE ── */
.loan-hero {
    position: relative;
    min-height: 80vh;
    display: flex;
    align-items: center;
    padding-top: 80px;
    background: var(--navy);
}
.loan-hero__mesh {
    position: absolute; inset: 0;
    background:
        radial-gradient(circle at 30% 40%, rgba(0, 183, 179, 0.04) 0%, transparent 50%),
        radial-gradient(circle at 70% 60%, rgba(201, 168, 76, 0.03) 0%, transparent 40%);
    pointer-events: none;
}
.loan-hero__inner {
    position: relative;
    z-index: 2;
    max-width: 700px;
}
.loan-hero h1 {
    font-family: var(--font-serif);
    font-size: clamp(2.4rem, 5vw, 3.6rem);
    font-weight: 700;
    line-height: 1.05;
    margin-bottom: 1.5rem;
    letter-spacing: -0.03em;
}
.loan-hero h1 em { font-style: italic; color: var(--gold-light); }
.loan-hero p {
    font-size: 1rem;
    color: var(--text-pale);
    margin-bottom: 2rem;
    max-width: 560px;
    line-height: 1.8;
}
.loan-range {
    display: inline-flex;
    flex-direction: column;
    background: var(--navy-card);
    border: 1px solid var(--border-dark);
    padding: 1.25rem 2rem;
    border-radius: var(--rs);
    margin-bottom: 2.5rem;
}
.loan-range__value {
    font-family: var(--font-serif);
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--gold-light);
    line-height: 1;
}
.loan-range__label {
    font-size: var(--fs-xs);
    color: var(--text-muted-light);
    margin-top: 0.25rem;
}

.terms-showcase {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    align-items: start;
}
.terms-showcase__primary {
    background: linear-gradient(135deg, var(--navy-card), var(--navy-mid));
    border-radius: var(--r);
    padding: 2.5rem;
    border: 1px solid var(--border-dark);
}
.terms-showcase__amount {
    font-family: var(--font-serif);
    font-size: clamp(2rem, 3.5vw, 2.6rem);
    font-weight: 700;
    margin-bottom: 0.25rem;
    letter-spacing: -0.03em;
    color: var(--gold-light);
}
.terms-showcase__label {
    font-size: var(--fs-xs);
    color: var(--text-muted-light);
    text-transform: uppercase;
    letter-spacing: 2px;
    font-weight: 500;
    margin-bottom: 1rem;
}
.terms-showcase__primary p {
    font-size: var(--fs-sm);
    line-height: var(--lh-normal);
    color: var(--text-pale);
}
.terms-showcase__features {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}
.terms-showcase__feature {
    background: var(--navy-card);
    border: 1px solid var(--border-dark);
    border-radius: var(--r);
    padding: 1.75rem;
    transition: var(--t);
}
.terms-showcase__feature:hover { border-color: rgba(0, 183, 179, 0.15); background: var(--navy-mid); }
.terms-showcase__feature h3 {
    font-family: var(--font-serif);
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 0.4rem;
    color: var(--white);
}
.terms-showcase__feature p {
    font-size: var(--fs-sm);
    color: var(--text-pale);
    line-height: var(--lh-normal);
    margin: 0;
}

.qual-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
}
.qual-card {
    display: flex;
    gap: 1.25rem;
    padding: 1.75rem;
    background: var(--navy-card);
    border-radius: var(--r);
    border: 1px solid var(--border-dark);
    transition: var(--t);
}
.qual-card:hover { border-color: rgba(0, 183, 179, 0.15); background: var(--navy-mid); }
.qual-card__num {
    font-family: var(--font-serif);
    font-size: 2rem;
    font-weight: 700;
    color: var(--teal);
    opacity: 0.2;
    line-height: 1;
    flex-shrink: 0;
}
.qual-card__content h3 {
    font-family: var(--font-serif);
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 0.4rem;
}
.qual-card__content p {
    font-size: var(--fs-sm);
    color: var(--text-pale);
    line-height: var(--lh-normal);
}

.loan-form-split {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 2rem;
    align-items: start;
}
.loan-form-split__info { position: sticky; top: 6rem; }
.loan-form-split__card {
    background: linear-gradient(135deg, var(--navy-card), var(--navy-mid));
    border-radius: var(--r);
    padding: 2rem;
    border: 1px solid var(--border-dark);
}
.loan-form-split__icon {
    font-size: 2.2rem;
    margin-bottom: 1rem;
    line-height: 1;
    color: var(--gold);
}
.loan-form-split__card h3 {
    font-family: var(--font-serif);
    font-size: 1.1rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
}
.loan-form-split__card > p {
    font-size: var(--fs-sm);
    line-height: var(--lh-normal);
    color: var(--text-pale);
    margin-bottom: 1.5rem;
}
.loan-form-split__divider {
    height: 1px;
    background: var(--border-dark);
    margin-bottom: 1.5rem;
}
.loan-form-split__stat { margin-bottom: 1.25rem; }
.loan-form-split__stat:last-child { margin-bottom: 0; }
.loan-form-split__stat-num {
    display: block;
    font-family: var(--font-serif);
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 0.15rem;
    color: var(--gold-light);
}
.loan-form-split__stat-label {
    font-size: var(--fs-xs);
    color: var(--text-muted-light);
}

/* ── INDUSTRY STRIP (dark bg) ── */
.industry-strip {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.25rem;
}
.industry-stat {
    text-align: center;
    padding: 2rem 1rem;
    border-radius: var(--rs);
    background: var(--navy-card);
    border: 1px solid var(--border-dark);
    transition: var(--t);
}
.industry-stat:hover { border-color: rgba(0, 183, 179, 0.15); background: var(--navy-mid); }
.industry-stat__num {
    font-family: var(--font-serif);
    font-size: 2rem;
    font-weight: 700;
    color: var(--gold-light);
    line-height: 1;
    margin-bottom: 0.3rem;
}
.industry-stat__label {
    font-size: var(--fs-xs);
    color: var(--text-muted-light);
    font-weight: 500;
}

/* ── COOKIE ── */
.cookie-consent {
    position: fixed;
    bottom: 0; left: 0; right: 0;
    background: var(--navy-mid);
    color: var(--text-pale);
    padding: 1rem 2rem;
    z-index: 9999;
    display: none;
    border-top: 1px solid var(--border-dark);
}
.cookie-consent.active { display: block; }
.cookie-consent__inner {
    max-width: 1280px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 2rem;
    flex-wrap: wrap;
}
.cookie-consent p {
    font-size: var(--fs-sm);
    line-height: 1.6;
    flex: 1;
    min-width: 280px;
}
.cookie-consent a { color: var(--teal); text-decoration: underline; }
.cookie-consent__actions { display: flex; gap: 0.75rem; flex-shrink: 0; }
.cookie-consent__btn {
    padding: 0.5rem 1.25rem;
    border-radius: 4px;
    font-size: var(--fs-xs);
    font-weight: 600;
    cursor: pointer;
    border: none;
    font-family: var(--font-sans);
    transition: var(--t-fast);
}
.cookie-consent__btn--accept { background: var(--teal); color: var(--navy); }
.cookie-consent__btn--accept:hover { opacity: 0.9; }
.cookie-consent__btn--decline {
    background: rgba(255,255,255,0.04);
    color: var(--text-muted-light);
    border: 1px solid var(--border-dark);
}
.cookie-consent__btn--decline:hover { background: rgba(255,255,255,0.08); color: var(--text-light); }

.cookie-preview-link {
    position: fixed;
    bottom: 1rem; right: 1rem;
    font-size: var(--fs-xs);
    color: var(--text-muted-light);
    background: var(--navy-mid);
    padding: 0.4rem 0.75rem;
    border-radius: 4px;
    border: 1px solid var(--border-dark);
    z-index: 9998;
    box-shadow: var(--shadow-sm);
    display: none;
}
.cookie-preview-link:hover { color: var(--text-light); }

/* ── LEGAL ── */
.legal-content {
    max-width: 800px;
    margin: 0 auto;
    padding: 4rem 0;
}
.legal-content h2 {
    font-family: var(--font-serif);
    font-size: var(--fs-xl);
    font-weight: 600;
    margin: 2.5rem 0 1rem;
}
.legal-content h2:first-child { margin-top: 0; }
.legal-content p {
    font-size: var(--fs-sm);
    line-height: var(--lh-relaxed);
    color: var(--text-pale);
    margin-bottom: 1rem;
}
.legal-content ul { margin: 0.5rem 0 1.5rem 1.5rem; }
.legal-content ul li {
    font-size: var(--fs-sm);
    line-height: var(--lh-relaxed);
    color: var(--text-pale);
    margin-bottom: 0.25rem;
}

/* ── ARTICLE (blog posts) ── */
.article-hero {
    margin: -3rem auto 0;
    max-width: 860px;
    border-radius: var(--r);
    overflow: hidden;
    position: relative;
    box-shadow: var(--shadow-xl);
}
.article-hero__image {
    height: 300px;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
}
.article-hero__image svg {
    width: 100px; height: 100px;
    opacity: 0.2;
    position: relative;
    z-index: 2;
}
.article-hero__accent {
    position: absolute; inset: 0;
    opacity: 0.05;
    background-image: radial-gradient(circle at 30% 40%, var(--teal) 0%, transparent 50%);
    z-index: 1;
}
.article-hero__dots {
    position: absolute; inset: 0;
    background-image: radial-gradient(rgba(255,255,255,0.06) 1px, transparent 1px);
    background-size: 24px 24px;
    z-index: 1;
}
.article-hero--strategy { background: linear-gradient(135deg, var(--navy-mid), var(--navy-light)); }
.article-hero--realestate { background: linear-gradient(135deg, var(--navy-mid), #0d3328); }
.article-hero--marketing { background: linear-gradient(135deg, var(--navy-mid), #33200d); }
.article-hero--growth { background: linear-gradient(135deg, var(--navy-mid), var(--navy-light)); }
.article-hero--franchise { background: linear-gradient(135deg, var(--navy-mid), #2a0d33); }
.article-hero--ai { background: linear-gradient(135deg, var(--navy-mid), #0d3320); }
.article-hero--financial { background: linear-gradient(135deg, var(--navy-mid), #0d2033); }
.article-hero--tax { background: linear-gradient(135deg, var(--navy-mid), #331010); }
.article-hero--international { background: linear-gradient(135deg, var(--navy-mid), #332010); }

.article-body {
    max-width: 780px;
    margin: 0 auto;
    width: 100%;
}
.article-body p {
    font-size: var(--fs-lg);
    line-height: 1.9;
    color: var(--text-pale);
    margin-bottom: 1.5rem;
}
.article-body h2 {
    font-family: var(--font-serif);
    font-size: var(--fs-3xl);
    font-weight: 600;
    margin: 2.5rem 0 1rem;
    letter-spacing: -0.02em;
}
.article-body h3 {
    font-family: var(--font-serif);
    font-size: var(--fs-xl);
    font-weight: 600;
    margin: 2rem 0 0.75rem;
    letter-spacing: -0.01em;
}
.article-body ul { margin: 0 0 1.5rem 1.5rem; }
.article-body ul li {
    font-size: var(--fs-lg);
    line-height: var(--lh-relaxed);
    color: var(--text-pale);
    margin-bottom: 0.5rem;
}
.article-body strong { color: var(--white); }

/* ── TILT CARDS ── */
.tilt-card {
    transition: transform 0.3s cubic-bezier(0.25,0.46,0.45,0.94);
    transform-style: preserve-3d;
    will-change: transform;
}

/* ── ANIMATIONS ── */
@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(40px); }
    to { opacity: 1; transform: translateY(0); }
}
.animate-on-scroll {
    opacity: 0;
    transform: translateY(40px);
    transition: opacity 0.7s cubic-bezier(0.25,0.46,0.45,0.94), transform 0.7s cubic-bezier(0.25,0.46,0.45,0.94);
}
.animate-on-scroll.visible { opacity: 1; transform: translateY(0); }
.animate-on-scroll--left { transform: translateX(-40px); }
.animate-on-scroll--left.visible { transform: translateX(0); }
.animate-on-scroll--right { transform: translateX(40px); }
.animate-on-scroll--right.visible { transform: translateX(0); }
.animate-on-scroll--scale { transform: scale(0.92); }
.animate-on-scroll--scale.visible { transform: scale(1); }
.animate-on-scroll--d1 { transition-delay: 0.06s; }
.animate-on-scroll--d2 { transition-delay: 0.12s; }
.animate-on-scroll--d3 { transition-delay: 0.18s; }
.animate-on-scroll--d4 { transition-delay: 0.24s; }
.animate-on-scroll--d5 { transition-delay: 0.3s; }
.animate-on-scroll--d6 { transition-delay: 0.36s; }

.kt-text { overflow: hidden; }
.kt-word {
    display: inline-block;
    opacity: 0;
    transform: translateY(24px);
    transition: opacity 0.6s cubic-bezier(0.25,0.46,0.45,0.94), transform 0.6s cubic-bezier(0.25,0.46,0.45,0.94);
}
.kt-word.visible { opacity: 1; transform: translateY(0); }

/* ── SECTION DIVIDER ── */
.section-divider {
    height: 1px;
    margin: 0;
    border: none;
}
.section--dark .section-divider { background: var(--border-dark); }
.section--light .section-divider { background: var(--border-light); }

/* ── LOGO ── */
.logo-img {
    height: 52px;
    width: auto;
    display: block;
}
.header .logo-img { height: 44px; }
.footer .logo-img { height: 40px; }

/* ── TITLE SUB (hero secondary line) ── */
.title-sub {
    display: block;
    font-family: var(--font-serif);
    font-weight: 400;
    font-style: italic;
    font-size: clamp(1.3rem, 2.5vw, 1.8rem);
    color: var(--text-muted-light);
    margin-top: 0.25rem;
    letter-spacing: -0.02em;
}

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
    .hero__inner { grid-template-columns: 1fr; gap: 2rem; }
    .hero__stats { flex-direction: row; flex-wrap: wrap; padding-left: 0; border-left: none; gap: 2rem; padding-top: 1rem; border-top: 1px solid rgba(201,168,76,0.15); }
    .hero__stat-divider { display: none; }
    .expertise-grid { grid-template-columns: 1fr 1fr; }
    .approach-steps { grid-template-columns: 1fr 1fr; }
    .focus-grid { grid-template-columns: 1fr 1fr; }
    .industry-strip { grid-template-columns: repeat(2, 1fr); }
    .insight-grid { grid-template-columns: 1fr 1fr; }
    .blog-grid { grid-template-columns: 1fr 1fr; }
    .terms-showcase { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    .container { padding: 0 1.25rem; }
    .header__inner { padding: 0.7rem 0; gap: 0.75rem; }
    .header__cta { display: none; }
    .nav { display: none; }
    .nav--open {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: calc(100% + 0.5rem); left: 0; right: 0;
        background: var(--navy-mid);
        padding: 1.25rem 1.5rem;
        border-radius: var(--r);
        border: 1px solid var(--border-dark);
        box-shadow: var(--shadow-lg);
        gap: 0.75rem;
    }
    .nav__toggle { display: flex; order: -1; }
    .section { padding: 4rem 0; }
    .hero { min-height: auto; padding-top: 80px; padding-bottom: 5rem; }
    .hero__content { margin-top: -80px; }
    .hero__actions { flex-direction: column; align-items: flex-start; }
    .hero__stats { gap: 1.5rem; }
    .hero__stat-num { font-size: 2rem; }
    .industry-grid { grid-template-columns: 1fr; }
    .expertise-grid { grid-template-columns: 1fr; }
    .approach-steps { grid-template-columns: 1fr; }
    .focus-grid { grid-template-columns: 1fr; }
    .qual-grid { grid-template-columns: 1fr; }
    .loan-form-split { grid-template-columns: 1fr; }
    .loan-form-split__info { position: static; }
    .form__row { grid-template-columns: 1fr; }
    .terms-showcase { grid-template-columns: 1fr; }
    .footer__body { flex-direction: column; align-items: flex-start; }
    .footer__identity { flex-direction: column; align-items: flex-start; gap: 0.75rem; }
    .footer__tagline { border-left: none; padding-left: 0; }
    .footer__nav { flex-wrap: wrap; gap: 1.25rem; }
    .footer__bar { flex-direction: column; text-align: center; }
    .section__heading { font-size: 2rem; }
    .industry-strip { grid-template-columns: 1fr; }
    .values-grid { grid-template-columns: 1fr; }
    .insight-grid { grid-template-columns: 1fr; }
    .blog-grid { grid-template-columns: 1fr; }
    .impact-metrics { gap: 2rem; }
    .impact-metric__num { font-size: 2.2rem; }
    .page-header--article .page-header__inner { max-width: 100%; }
    .h1-wrapper { display: block; }
    .article-body { max-width: 100% !important; }
    .page-header__divider { max-width: 100%; }
    .section__tag::before, .hero__tag::before { display: none; }
}

@media (max-width: 480px) {
    .container { padding: 0 1rem; }
    .section { padding: 3rem 0; }
    .hero__stat-num { font-size: 1.6rem; }
    .btn { padding: 0.7rem 1.5rem; font-size: var(--fs-sm); }
    .section__heading { font-size: 1.7rem; }
    .page-header { padding: 7rem 0 3rem; }
    .page-header h1 { font-size: 2rem; }
    .page-header p { font-size: var(--fs-base); }
    .footer { padding: 2rem 0 1.5rem; }
    .impact-metric__num { font-size: 1.8rem; }
    .loan-range__value { font-size: 1.4rem; }
    .article-body p { font-size: var(--fs-base); }
    .article-body h2 { font-size: var(--fs-2xl); }
    .article-body h3 { font-size: var(--fs-lg); }
}