/* =========================================================================
   WINTERBOND — Shared design system
   Fonts: Cormorant Garamond (serif display) + DM Sans (sans body)
   Palette: institutional navy / blue, cream backgrounds
   ========================================================================= */

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

:root {
  /* Brand */
  --navy:       #0a1628;
  --navy-mid:   #102040;
  --navy-soft:  #16294d;
  --blue:       #1a4a8a;
  --electric:   #2a7fff;
  --electric-2: #4d9fff;

  /* Neutrals */
  --cream:      #f5f2ed;
  --cream-2:    #ede9e2;
  --paper:      #ffffff;
  --line:       rgba(10, 22, 40, 0.10);
  --line-soft:  rgba(10, 22, 40, 0.06);

  /* Text */
  --text:       #1a1a2e;
  --text-mid:   #41506b;
  --text-light: #6b7280;
  --on-navy:    rgba(255, 255, 255, 0.92);
  --on-navy-dim:rgba(255, 255, 255, 0.55);

  /* Market */
  --up:   #16a34a;
  --down: #ef4444;

  /* Layout */
  --maxw: 1200px;
  --gutter: clamp(20px, 5vw, 64px);
  --radius: 4px;
  --shadow: 0 10px 40px rgba(10, 22, 40, 0.08);
  --shadow-lg: 0 24px 70px rgba(10, 22, 40, 0.14);
}

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: 'DM Sans', system-ui, sans-serif;
  background: var(--cream);
  color: var(--text);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

/* ---- Typographic primitives ---------------------------------------- */
.serif { font-family: 'Cormorant Garamond', Georgia, serif; }
h1, h2, h3, .display {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-weight: 400;
  line-height: 1.08;
  letter-spacing: 0.01em;
  color: var(--navy);
}
h1, .h1 { font-size: clamp(2.6rem, 6vw, 4.6rem); }
h2, .h2 { font-size: clamp(2rem, 4.2vw, 3.2rem); }
h3, .h3 { font-size: clamp(1.4rem, 2.4vw, 1.9rem); }
em.accent, .accent-italic { font-style: italic; color: var(--blue); }

p { color: var(--text-mid); }
.lead { font-size: clamp(1.05rem, 1.6vw, 1.25rem); color: var(--text-mid); }

.eyebrow {
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--blue);
  display: inline-block;
  margin-bottom: 18px;
}

/* ---- Layout helpers ------------------------------------------------- */
.wrap { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: clamp(64px, 10vw, 128px); }
.section.tight { padding-block: clamp(48px, 7vw, 84px); }
.bg-paper { background: var(--paper); }
.bg-cream { background: var(--cream); }
.bg-cream-2 { background: var(--cream-2); }
.bg-navy { background: var(--navy); color: var(--on-navy); }
.bg-navy h1, .bg-navy h2, .bg-navy h3 { color: #fff; }
.bg-navy p { color: var(--on-navy-dim); }
.center { text-align: center; }
.measure { max-width: 60ch; }
.measure.center { margin-inline: auto; }
.grid { display: grid; gap: clamp(24px, 4vw, 48px); }
.cols-2 { grid-template-columns: repeat(2, 1fr); }
.cols-3 { grid-template-columns: repeat(3, 1fr); }
.cols-4 { grid-template-columns: repeat(4, 1fr); }
.items-center { align-items: center; }

/* ---- Buttons -------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 13px; font-weight: 500; letter-spacing: 0.12em; text-transform: uppercase;
  padding: 15px 30px; border-radius: var(--radius);
  border: 1px solid var(--navy); background: var(--navy); color: #fff;
  cursor: pointer; transition: all .25s ease; white-space: nowrap;
}
.btn:hover { background: var(--blue); border-color: var(--blue); transform: translateY(-2px); }
.btn.ghost { background: transparent; color: var(--navy); }
.btn.ghost:hover { background: var(--navy); color: #fff; }
.btn.on-navy { background: #fff; color: var(--navy); border-color: #fff; }
.btn.on-navy:hover { background: var(--electric); border-color: var(--electric); color: #fff; }
.btn .arrow { transition: transform .25s ease; }
.btn:hover .arrow { transform: translateX(4px); }

/* ---- Top market ticker --------------------------------------------- */
.ticker-bar { background: var(--navy); color: #fff; font-size: 11.5px; padding: 7px 0; overflow: hidden; white-space: nowrap; position: relative; }
.ticker-track { display: inline-flex; animation: ticker 60s linear infinite; will-change: transform; }
.ticker-bar:hover .ticker-track { animation-play-state: paused; }
@keyframes ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.ticker-item { display: inline-flex; align-items: center; gap: 7px; padding: 0 26px; border-right: 1px solid rgba(255,255,255,0.10); }
/* simulation indicator — only visible when the live proxy is unreachable */
.ticker-flag { display: none; position: absolute; top: 0; right: 0; height: 100%; align-items: center; padding: 0 16px; background: var(--navy); color: #f5a623; font-size: 10px; letter-spacing: 0.12em; text-transform: uppercase; box-shadow: -16px 0 18px 4px var(--navy); }
.ticker-bar.is-sim .ticker-flag { display: inline-flex; }
.ticker-bar.is-sim { opacity: 0.92; }
.live-dot.sim::before { background: #f5a623; animation: none; box-shadow: none; }
.ticker-name { color: rgba(255,255,255,0.55); font-size: 10px; letter-spacing: 0.10em; text-transform: uppercase; }
.ticker-val  { color: #fff; font-weight: 500; font-variant-numeric: tabular-nums; }
.ticker-chg { font-variant-numeric: tabular-nums; transition: color .3s; }
.ticker-chg.up { color: #34d36b; }
.ticker-chg.down { color: #ff6b6b; }
.ticker-flash { animation: flash .6s ease; }
@keyframes flash { 0% { background: rgba(255,255,255,.14); } 100% { background: transparent; } }

/* ---- Navigation ----------------------------------------------------- */
nav.site-nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(245,242,237,0.86); backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
  display: flex; align-items: center; justify-content: space-between;
  padding-inline: var(--gutter); height: 70px;
}
.nav-logo { font-family: 'Cormorant Garamond', serif; font-size: 23px; font-weight: 600; color: var(--navy); letter-spacing: 0.16em; }
.nav-links { display: flex; align-items: center; gap: 30px; list-style: none; }
.nav-links a {
  font-size: 12.5px; font-weight: 400; letter-spacing: 0.10em; text-transform: uppercase;
  color: var(--text); opacity: 0.72; transition: opacity .2s, color .2s; position: relative; padding: 6px 0;
}
.nav-links a:hover, .nav-links a.active { opacity: 1; color: var(--blue); }
.nav-links a.active::after {
  content: ""; position: absolute; left: 0; bottom: -2px; width: 100%; height: 1px; background: var(--blue);
}
.nav-cta { display: flex; align-items: center; gap: 18px; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; flex-direction: column; gap: 5px; padding: 6px; }
.nav-toggle span { width: 24px; height: 2px; background: var(--navy); transition: .25s; }

/* ---- Nav badge (Market Comments — publish count for today) ----------- */
.nav-badge {
  display: inline-flex; align-items: center; justify-content: center;
  min-width: 15px; height: 15px; padding: 0 4px; margin-left: 5px; vertical-align: 2px;
  background: #ef4444; color: #fff; border-radius: 999px;
  font-size: 10px; font-weight: 700; letter-spacing: 0; line-height: 1;
}

.lang-switch {
  appearance: none; -webkit-appearance: none; background: transparent;
  border: 1px solid var(--line); border-radius: 20px; padding: 6px 26px 6px 14px;
  font-size: 12px; letter-spacing: 0.08em; font-weight: 500; color: var(--navy); cursor: pointer;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path d='M6 9l6 6 6-6' stroke='%231a4a8a' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/></svg>");
  background-repeat: no-repeat; background-position: right 8px center; background-size: 12px;
}
.lang-switch:hover { border-color: var(--blue); }

/* ---- Translation notice (non-English pages only) --------------------- */
.translation-notice {
  background: var(--cream-2); color: var(--text-mid); font-size: 12px; text-align: center;
  padding: 8px var(--gutter); letter-spacing: 0.01em; border-bottom: 1px solid var(--line);
}
.translation-notice a { color: var(--blue); text-decoration: underline; margin-left: 6px; white-space: nowrap; }

@media (max-width: 920px) {
  .nav-toggle { display: flex; }
  /* Drop-down menu anchored to the nav bar itself (nav is the containing block
     because of its backdrop-filter), so it always sits directly under the bar. */
  .nav-links {
    position: absolute; top: 100%; left: 0; right: 0; z-index: 99;
    flex-direction: column; gap: 0; align-items: stretch;
    background: var(--cream); border-bottom: 1px solid var(--line);
    box-shadow: 0 14px 26px rgba(10,22,40,0.12);
    padding: 6px 0;
    opacity: 0; visibility: hidden; transform: translateY(-8px);
    transition: opacity .22s ease, transform .22s ease, visibility .22s;
  }
  .nav-links.open { opacity: 1; visibility: visible; transform: translateY(0); }
  /* block (not inline) so vertical padding spaces the rows instead of overlapping */
  .nav-links a {
    display: block; width: 100%; padding: 13px var(--gutter); opacity: 0.85;
    -webkit-tap-highlight-color: transparent;   /* kill the oversized grey iOS tap box */
  }
  .nav-links a:active { background: rgba(26,74,138,0.06); }  /* discreet tap feedback */
  .nav-links a.active::after { display: none; }  /* no underline bar in the stacked menu */
  .nav-cta .btn { display: none; }
}

/* ---- Hero ----------------------------------------------------------- */
.hero { position: relative; background: var(--navy); color: #fff; overflow: hidden; }
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(900px 500px at 75% 15%, rgba(42,127,255,0.22), transparent 60%),
    radial-gradient(700px 500px at 10% 90%, rgba(26,74,138,0.30), transparent 60%);
  pointer-events: none;
}
.hero .wrap { position: relative; z-index: 2; }
.hero-inner { min-height: clamp(520px, 72vh, 720px); display: flex; flex-direction: column; justify-content: center; padding-block: 80px; }
.hero h1 { color: #fff; max-width: 16ch; }
.hero h1 em { color: var(--electric-2); font-style: italic; }
.hero .lead { color: rgba(255,255,255,0.72); max-width: 56ch; margin-top: 26px; }
.hero-actions { margin-top: 40px; display: flex; gap: 16px; flex-wrap: wrap; }
.hero-grid-lines { position: absolute; inset: 0; opacity: .5;
  background-image: linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 64px 64px; mask-image: radial-gradient(circle at 50% 40%, #000, transparent 80%); }

/* ---- Feature columns (icon rows) ----------------------------------- */
.feature { text-align: center; }
.feature .ic { width: 48px; height: 48px; margin: 0 auto 22px; color: var(--blue); }
.feature .ic svg { width: 100%; height: 100%; stroke: currentColor; fill: none; stroke-width: 1.4; }
.feature h3 { margin-bottom: 12px; }
.feature p { font-size: 0.96rem; }

/* ---- Two-column media + checklist ---------------------------------- */
.media-frame { border-radius: 6px; overflow: hidden; box-shadow: var(--shadow-lg); aspect-ratio: 4/3; background: var(--navy); }
.media-frame.viz { display: grid; place-items: center; }
.checklist { list-style: none; display: grid; gap: 16px; margin-top: 8px; }
.checklist li { display: flex; gap: 14px; align-items: flex-start; color: var(--text-mid); }
.checklist .tick { flex: none; width: 22px; height: 22px; margin-top: 2px; border-radius: 50%; background: rgba(26,74,138,0.10); color: var(--blue); display: grid; place-items: center; }
.checklist .tick svg { width: 12px; height: 12px; stroke: currentColor; fill: none; stroke-width: 2.2; }

/* ---- Steps (How we do it) ------------------------------------------ */
.steps { position: relative; margin-top: 10px; }
.step { position: relative; display: grid; grid-template-columns: 50px 1fr; gap: 22px; padding-bottom: 28px; }
.step:last-child { padding-bottom: 0; }
.step::before { content: ""; position: absolute; left: 24px; top: 52px; bottom: 0; width: 2px; background: var(--line); }
.step:last-child::before { display: none; }
.step-num { position: relative; z-index: 1; width: 50px; height: 50px; border-radius: 50%; background: var(--navy); color: #fff; font-family: 'Cormorant Garamond', serif; font-size: 1.55rem; display: grid; place-items: center; }
.step-c h4 { font-family: 'Cormorant Garamond', serif; font-size: 1.45rem; color: var(--navy); font-weight: 500; margin: 9px 0 5px; }
.step-c p { font-size: 0.98rem; color: var(--text-mid); }

/* ---- Cards ---------------------------------------------------------- */
.card { background: var(--paper); border: 1px solid var(--line-soft); border-radius: 6px; padding: clamp(24px, 3vw, 36px); transition: transform .3s, box-shadow .3s; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.card .num { font-family: 'Cormorant Garamond', serif; font-size: 2.4rem; color: var(--electric); line-height: 1; }

/* ---- Accordion (Investment dropdowns) ------------------------------ */
.accordion { border-top: 1px solid var(--line); }
.acc-item { border-bottom: 1px solid var(--line); }
.acc-head {
  width: 100%; background: none; border: 0; cursor: pointer; text-align: left;
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
  padding: 28px 4px; font-family: 'Cormorant Garamond', serif; font-size: clamp(1.3rem, 2.4vw, 1.8rem); color: var(--navy);
}
.acc-head .sign { flex: none; width: 30px; height: 30px; position: relative; transition: transform .3s; }
.acc-head .sign::before, .acc-head .sign::after { content: ""; position: absolute; background: var(--blue); border-radius: 2px; top: 50%; left: 50%; transform: translate(-50%, -50%); }
.acc-head .sign::before { width: 16px; height: 2px; }
.acc-head .sign::after { width: 2px; height: 16px; transition: transform .3s; }
.acc-item.open .acc-head .sign::after { transform: translate(-50%, -50%) scaleY(0); }
.acc-body { overflow: hidden; max-height: 0; transition: max-height .4s ease; }
.acc-body-inner { padding: 0 4px 30px; max-width: 70ch; color: var(--text-mid); }
.acc-body-inner p + p { margin-top: 14px; }
.acc-body-inner ul { margin: 12px 0 0 18px; color: var(--text-mid); }
.acc-body-inner li { margin-bottom: 8px; }

/* ---- News cards ----------------------------------------------------- */
.news-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 28px; }
.news-card { background: var(--paper); border: 1px solid var(--line-soft); border-radius: 6px; overflow: hidden; display: flex; flex-direction: column; transition: transform .3s, box-shadow .3s; cursor: pointer; }
.news-card:focus-visible { outline: 2px solid var(--blue); outline-offset: 2px; }
.news-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.news-thumb { aspect-ratio: 16/9; background: var(--navy-mid); object-fit: cover; width: 100%; }
/* branded thumbnail (ec-assets style overlay over photo or generated art) */
.news-thumb-wrap { position: relative; aspect-ratio: 16/9; overflow: hidden; background: var(--navy-mid); background-size: cover; background-position: center; }
.news-thumb-wrap .bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.news-thumb-wrap .ov { position: absolute; inset: 0; background:
  linear-gradient(115deg, var(--cat, #102040) 0%, color-mix(in srgb, var(--cat,#102040) 70%, transparent) 38%, rgba(10,22,40,0.15) 62%, transparent 100%); }
.news-thumb-wrap .ov::after { content: ""; position: absolute; inset: 0; background: linear-gradient(to top, rgba(7,16,31,0.55), transparent 55%); }
.news-cat { position: absolute; top: 16px; left: 18px; z-index: 2; color: #fff; font-family: 'Cormorant Garamond', serif; font-weight: 500; font-size: 1.5rem; line-height: 1.02; letter-spacing: 0.01em; text-shadow: 0 1px 8px rgba(0,0,0,0.25); }
.news-cat small { display: block; font-family: 'DM Sans', sans-serif; font-size: 10px; letter-spacing: 0.18em; text-transform: uppercase; opacity: 0.85; margin-top: 6px; }
.news-brand { position: absolute; bottom: 12px; left: 18px; z-index: 2; font-family: 'Cormorant Garamond', serif; font-size: 14px; letter-spacing: 0.14em; color: rgba(255,255,255,0.92); }
.news-aiflag { position: absolute; top: 12px; right: 12px; z-index: 2; font-size: 9px; letter-spacing: 0.12em; text-transform: uppercase; background: rgba(7,16,31,0.5); color: rgba(255,255,255,0.8); padding: 4px 8px; border-radius: 20px; backdrop-filter: blur(4px); }

/* ---- News article modal (on-site reading) -------------------------- */
.news-modal { position: fixed; inset: 0; z-index: 3000; display: none; }
.news-modal.open { display: block; }
.news-modal .backdrop { position: absolute; inset: 0; background: rgba(7,16,31,0.62); backdrop-filter: blur(5px); animation: fadeIn .25s ease; }
.news-modal .panel { position: relative; width: min(720px, 92vw); max-height: 88vh; margin: 6vh auto; background: var(--paper); border-radius: 10px; overflow: hidden; box-shadow: var(--shadow-lg); display: flex; flex-direction: column; animation: modalIn .3s cubic-bezier(.2,.7,.3,1); }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes modalIn { from { opacity: 0; transform: translateY(16px) scale(.99); } to { opacity: 1; transform: none; } }
.news-modal .m-thumb .news-thumb-wrap { aspect-ratio: 21/9; }
.news-modal .m-body { padding: 30px clamp(24px, 4vw, 40px) 38px; overflow-y: auto; }
.news-modal .m-body h2 { font-size: clamp(1.7rem, 3.4vw, 2.4rem); margin: 10px 0 0; }
.news-modal .m-body p { font-size: 1.05rem; line-height: 1.75; color: var(--text-mid); }
.news-modal .m-lead { font-size: 1.1rem; line-height: 1.7; color: var(--text); }
.news-modal .m-context { margin-top: 14px; }
.news-modal .m-context p { font-size: 1.02rem; line-height: 1.75; color: var(--text-mid); margin-bottom: 12px; }
.news-modal .m-ctxlabel { font-size: 11px; letter-spacing: .16em; text-transform: uppercase; color: var(--blue); margin: 4px 0 10px; }
.news-modal .m-loading { font-size: .95rem; color: var(--text-light); font-style: italic; }
.news-modal .m-loading { position: relative; }
.news-modal .m-loading::after { content: ' ●'; animation: ctxpulse 1.1s ease-in-out infinite; }
@keyframes ctxpulse { 0%,100% { opacity: .25; } 50% { opacity: 1; } }
.news-modal .m-source { font-size: 12px; color: var(--text-light); font-style: italic; margin-top: 22px; padding-top: 16px; border-top: 1px solid var(--line); }
.news-modal .m-close { position: absolute; top: 14px; right: 14px; z-index: 4; width: 40px; height: 40px; border: 0; border-radius: 50%; background: rgba(7,16,31,0.5); color: #fff; font-size: 24px; line-height: 1; cursor: pointer; backdrop-filter: blur(6px); transition: background .2s; }
.news-modal .m-close:hover { background: rgba(7,16,31,0.8); }
.news-body { padding: 22px 22px 26px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.news-tag { font-size: 10.5px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--blue); font-weight: 500; }
.news-tag.world { color: var(--text-light); }
.news-card h3 { font-size: 1.3rem; line-height: 1.2; }
.news-meta { font-size: 12px; color: var(--text-light); margin-top: auto; }
.news-source { display: inline-flex; align-items: center; gap: 6px; }

/* ---- VIX widget (page footer band) --------------------------------- */
.vix-band { background: var(--navy); color: var(--on-navy); }
.vix-grid { display: grid; grid-template-columns: 1.4fr 1fr; gap: clamp(28px, 5vw, 60px); align-items: center; }
.vix-chart-wrap { position: relative; background: rgba(255,255,255,0.03); border: 1px solid rgba(255,255,255,0.08); border-radius: 8px; padding: 18px 18px 10px; }
.vix-chart-wrap svg { width: 100%; height: 220px; display: block; overflow: visible; }
.vix-head { display: flex; align-items: baseline; gap: 14px; margin-bottom: 6px; }
.vix-now { font-family: 'Cormorant Garamond', serif; font-size: 2.6rem; line-height: 1; }
.vix-pill { font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase; padding: 5px 12px; border-radius: 20px; font-weight: 500; }
.vix-note { color: var(--on-navy-dim); font-size: 0.96rem; margin-top: 16px; }
.vix-note strong { color: #fff; font-weight: 500; }
.vix-axis { font-size: 10px; fill: rgba(255,255,255,0.4); font-variant-numeric: tabular-nums; }
.vix-xaxis { display: flex; justify-content: space-between; margin-top: 8px; padding: 0 2px; }
.vix-xaxis span { font-size: 10px; color: rgba(255,255,255,0.4); font-variant-numeric: tabular-nums; letter-spacing: 0.03em; white-space: nowrap; }
.live-dot { display: inline-flex; align-items: center; gap: 7px; font-size: 11px; letter-spacing: 0.10em; text-transform: uppercase; color: var(--on-navy-dim); }
.live-dot::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: #34d36b; box-shadow: 0 0 0 0 rgba(52,211,107,.6); animation: pulse 2s infinite; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(52,211,107,.6);} 70% { box-shadow: 0 0 0 8px rgba(52,211,107,0);} 100% { box-shadow: 0 0 0 0 rgba(52,211,107,0);} }

/* ---- Footer --------------------------------------------------------- */
footer.site-footer { background: #07101f; color: rgba(255,255,255,0.75); font-size: 14px; }
.footer-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-block: 64px; }
.footer-logo { font-family: 'Cormorant Garamond', serif; font-size: 24px; letter-spacing: 0.16em; color: #fff; margin-bottom: 16px; }
.footer-col h4 { font-family: 'DM Sans', sans-serif; font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: rgba(255,255,255,0.45); font-weight: 500; margin-bottom: 16px; }
.footer-col a { display: block; padding: 6px 0; color: rgba(255,255,255,0.72); transition: color .2s; }
.footer-col a:hover { color: var(--electric-2); }
.footer-contact p { color: rgba(255,255,255,0.72); margin-bottom: 8px; }
.footer-social {
  display: inline-flex; align-items: center; justify-content: center;
  width: 34px; height: 34px; margin-top: 18px; border-radius: 50%;
  background: rgba(255,255,255,0.08); color: rgba(255,255,255,0.72); transition: background .2s, color .2s;
}
.footer-social:hover { background: var(--electric); color: #fff; }
.footer-disclaimer { border-top: 1px solid rgba(255,255,255,0.10); padding-block: 28px; font-size: 12px; color: rgba(255,255,255,0.5); line-height: 1.7; }
.footer-disclaimer p + p { margin-top: 12px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.10); padding-block: 22px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: 12px; color: rgba(255,255,255,0.5); }

/* ---- Compliance banner --------------------------------------------- */
.pro-banner { background: var(--navy-mid); color: rgba(255,255,255,0.85); font-size: 12.5px; text-align: center; padding: 9px var(--gutter); letter-spacing: 0.02em; }
.pro-banner strong { color: #fff; font-weight: 500; }

/* ---- Scroll reveal -------------------------------------------------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.in { opacity: 1; transform: none; }
.reveal[data-delay="1"] { transition-delay: .08s; }
.reveal[data-delay="2"] { transition-delay: .16s; }
.reveal[data-delay="3"] { transition-delay: .24s; }

/* ---- Forms ---------------------------------------------------------- */
.field { display: flex; flex-direction: column; gap: 8px; margin-bottom: 20px; }
.field label { font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-light); }
.field input, .field select, .field textarea {
  font-family: inherit; font-size: 15px; color: var(--text);
  padding: 14px 16px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper); transition: border-color .2s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); }
.field textarea { resize: vertical; min-height: 130px; }

/* ---- Approach (editorial rows) ------------------------------------- */
.approach-head { max-width: 660px; }
.approach-list { margin-top: 30px; }
.approach-row {
  display: grid; grid-template-columns: 0.4fr 0.6fr; gap: clamp(20px, 4vw, 56px);
  padding: 30px 0; border-top: 1px solid var(--line); align-items: start;
}
.approach-row:last-child { border-bottom: 1px solid var(--line); }
.approach-label {
  font-family: 'Cormorant Garamond', serif; font-weight: 500;
  font-size: clamp(1.35rem, 2.4vw, 1.85rem); line-height: 1.18; color: var(--navy);
}
.approach-row p { color: var(--text-mid); max-width: 52ch; }
@media (max-width: 760px) {
  .approach-row { grid-template-columns: 1fr; gap: 10px; padding: 24px 0; }
}

/* ---- Responsive ----------------------------------------------------- */
@media (max-width: 880px) {
  .cols-2, .cols-3, .cols-4, .vix-grid, .footer-top { grid-template-columns: 1fr; }
  .footer-top { gap: 32px; }
}
@media (max-width: 560px) {
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { justify-content: center; }
}

/* ---- Utility -------------------------------------------------------- */
.mt-s { margin-top: 16px; } .mt-m { margin-top: 28px; } .mt-l { margin-top: 44px; }
.disclaimer-inline { font-size: 12px; color: var(--text-light); font-style: italic; }