/* ============================================================
   TECHTONIC FINANCE — WHITE THEME DESIGN SYSTEM
   Gold + Navy + White — Matching the Logo
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&family=Space+Grotesk:wght@400;500;600;700;800&display=swap');

:root {
  /* ---- Core Palette ---- */
  --white: #FFFFFF;
  --off-white: #F8F9FC;
  --light-gray: #F0F2F7;
  --border-light: #E4E8F0;

  /* ---- Gold Metallics (from logo) ---- */
  --gold: #D4AF37;
  --gold-bright: #F5B324;
  --gold-deep: #B8930A;
  --gold-gradient: linear-gradient(135deg, #FFE259 0%, #F5B324 50%, #B8930A 100%);
  --gold-soft: rgba(212, 175, 55, 0.10);
  --gold-border: rgba(212, 175, 55, 0.30);

  /* ---- Navy / Dark (from logo text) ---- */
  --navy: #0D1A3A;
  --navy-mid: #1E3055;
  --navy-light: #2C4477;
  --text-primary: #0D1A3A;
  --text-body: #3A4A6B;
  --text-muted: #7A8DAA;

  /* ---- Status ---- */
  --green: #16A34A;
  --green-soft: rgba(22, 163, 74, 0.1);
  --red: #DC2626;

  /* ---- Radius & Shadows ---- */
  --r-sm: 8px;
  --r-md: 14px;
  --r-lg: 20px;
  --r-xl: 28px;
  --r-full: 9999px;

  --shadow-sm: 0 2px 8px rgba(13, 26, 58, 0.08);
  --shadow-md: 0 8px 24px rgba(13, 26, 58, 0.12);
  --shadow-lg: 0 20px 50px rgba(13, 26, 58, 0.15);
  --shadow-gold: 0 8px 30px rgba(212, 175, 55, 0.30);

  --transition: 0.28s cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
  font-size: 16px;
  background: var(--white);
  overflow-x: hidden;
}

body {
  font-family: 'Plus Jakarta Sans', sans-serif;
  color: var(--text-primary);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
  padding-top: 76px;
}

.font-mono {
  font-family: 'Space Grotesk', monospace;
}

.container {
  max-width: 1260px;
  margin: 0 auto;
  padding: 0 28px;
}

/* ---- Gold Text ---- */
.gold-text {
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  display: inline-block;
}

/* ============================================================
   NAVBAR
   ============================================================ */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  width: 100%;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border-bottom: 1px solid var(--border-light);
  transition: box-shadow var(--transition);
}

.navbar.scrolled {
  box-shadow: var(--shadow-md);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

/* Brand */
.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.brand-logo img {
  height: 60px;
  width: auto;
  transition: transform 0.3s;
}

.brand-logo:hover img {
  transform: scale(1.04);
}

/* Nav Links */
.nav-links {
  display: flex;
  align-items: center;
  list-style: none;
  gap: 4px;
}

.nav-link {
  display: block;
  padding: 7px 14px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-body);
  text-decoration: none;
  border-radius: var(--r-sm);
  transition: all var(--transition);
  position: relative;
}

.nav-link:hover {
  color: var(--gold);
  background: var(--gold-soft);
}

/* Active nav link — gold underline + tinted bg */
.nav-link.active {
  color: var(--gold);
  background: var(--gold-soft);
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: 4px;
  left: 50%;
  transform: translateX(-50%);
  width: 20px;
  height: 2px;
  background: var(--gold-gradient);
  border-radius: 2px;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 11px 24px;
  font-size: 14px;
  font-weight: 700;
  font-family: 'Plus Jakarta Sans', sans-serif;
  border-radius: var(--r-md);
  text-decoration: none;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}

.btn-sm {
  padding: 8px 18px;
  font-size: 13px;
}

.btn-lg {
  padding: 15px 34px;
  font-size: 15px;
}

/* Gold filled */
.btn-gold {
  background: var(--gold-gradient);
  color: var(--navy);
  border-color: transparent;
  box-shadow: 0 4px 18px rgba(212, 175, 55, 0.35);
  font-weight: 800;
  position: relative;
  overflow: hidden;
}

.btn-gold::after {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.4), transparent);
  transition: left 0.55s ease;
}

.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-gold);
}

.btn-gold:hover::after {
  left: 100%;
}

/* Navy outline */
.btn-outline {
  background: transparent;
  border-color: var(--navy);
  color: var(--navy);
}

.btn-outline:hover {
  background: var(--navy);
  color: #fff;
  transform: translateY(-2px);
}

/* Ghost */
.btn-ghost {
  background: transparent;
  border-color: transparent;
  color: var(--text-body);
}

.btn-ghost:hover {
  color: var(--gold);
}

/* Section Images — consistent heights per layout context */
.section-img {
  width: 100%;
  height: 420px;
  object-fit: cover;
  object-position: center;
  display: block;
}

.about-img-wrap .section-img {
  height: 430px;
}

.approach-img-wrap .section-img {
  height: 480px;
}

.risk-img-wrap .section-img {
  height: 480px;
}

/* Mobile toggle visible on mobile only */
.mobile-toggle {
  display: none;
  background: transparent;
  border: 1.5px solid var(--border-light);
  color: var(--navy);
  width: 40px;
  height: 40px;
  border-radius: var(--r-sm);
  cursor: pointer;
  font-size: 16px;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}

.mobile-toggle:hover {
  background: var(--gold-soft);
  color: var(--gold);
}

/* Mobile Drawer */
.mobile-drawer {
  display: none;
  background: var(--white);
  border-top: 1px solid var(--border-light);
  padding: 16px 28px 24px;
  box-shadow: var(--shadow-md);
}

.mobile-drawer.open {
  display: block;
}

.mobile-nav-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.mobile-nav-links .nav-link {
  padding: 12px 14px;
  font-size: 15px;
  border-bottom: 1px solid var(--border-light);
}

/* ============================================================
   SECTION COMMONS
   ============================================================ */
.section {
  padding: 96px 0;
}

.section-alt {
  background: var(--off-white);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 60px;
}

.section-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 5px 16px;
  background: var(--gold-soft);
  border: 1px solid var(--gold-border);
  border-radius: var(--r-full);
  font-size: 12px;
  font-weight: 700;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 16px;
}

.section-title {
  font-size: 40px;
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.8px;
  color: var(--navy);
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 16px;
  color: var(--text-body);
  line-height: 1.7;
}

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
  position: relative;
  overflow: hidden;
  background: var(--white);
}

.hero-image-bg {
  position: absolute;
  inset: 0;
  background-image: url('../assets/hero_banner.jpg');
  background-size: cover;
  background-position: center top;
  opacity: 0.5  ;
  z-index: 0;
}

.hero-top-strip {
  background: var(--navy);
  padding: 9px 0;
  text-align: center;
  font-size: 13px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.85);
  letter-spacing: 0.3px;
}

.hero-top-strip strong {
  color: var(--gold-bright);
}

.hero-center {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 88px 28px 96px;
}

.hero-eyebrow {
  margin-bottom: 26px;
}

.hero-title-center {
  font-size: 60px;
  font-weight: 800;
  letter-spacing: -2px;
  line-height: 1.1;
  color: var(--navy);
  max-width: 800px;
  margin-bottom: 22px;
}

.hero-desc-center {
  font-size: 18px;
  color: #000;
  max-width: 620px;
  margin-bottom: 40px;
  line-height: 1.75;
}

.hero-cta-group {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 60px;
}

/* Pillar Trust Row */
.hero-pillars {
  display: flex;
  align-items: center;
  gap: 0;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 16px 20px;
  box-shadow: var(--shadow-sm);
  flex-wrap: wrap;
  justify-content: center;
  width: 100%;
  box-sizing: border-box;
}

.hero-pillar {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 6px 16px;
}

.hero-pillar-divider {
  width: 1px;
  height: 40px;
  background: var(--border-light);
}

.pillar-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--r-sm);
  background: var(--gold-soft);
  border: 1px solid var(--gold-border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 15px;
  flex-shrink: 0;
}

.pillar-title {
  font-size: 14px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
}

.pillar-sub {
  font-size: 12px;
  color: var(--text-muted);
  margin-top: 2px;
}

/* Scroll indicator */
.scroll-indicator {
  position: absolute;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  color: #000;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  z-index: 2;
  animation: scrollBounce 2.5s ease-in-out infinite;
}

@keyframes scrollBounce {

  0%,
  100% {
    opacity: 0.5;
    transform: translateX(-50%) translateY(0);
  }

  50% {
    opacity: 1;
    transform: translateX(-50%) translateY(8px);
  }
}

.scroll-arrow {
  width: 32px;
  height: 32px;
  border: 1.5px solid var(--gold-border);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 11px;
}

/* ============================================================
   ABOUT SECTION
   ============================================================ */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 70px;
  align-items: center;
}

.about-img-wrap {
  position: relative;
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.about-img-wrap img {
  width: 100%;
  height: 400px;
  object-fit: cover;
  display: block;
}

.about-img-badge {
  position: absolute;
  bottom: 24px;
  left: 24px;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-md);
  padding: 14px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: var(--shadow-md);
}

.about-img-badge-icon {
  width: 40px;
  height: 40px;
  background: var(--gold-soft);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 18px;
}

.about-img-badge h5 {
  font-size: 14px;
  font-weight: 800;
  color: var(--navy);
}

.about-img-badge p {
  font-size: 12px;
  color: var(--text-muted);
}

.about-content .section-pill {
  justify-content: flex-start;
}

.about-title {
  font-size: 36px;
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.8px;
  color: var(--navy);
  margin-bottom: 18px;
}

.about-lead {
  font-size: 17px;
  color: var(--navy-mid);
  font-weight: 500;
  line-height: 1.65;
  margin-bottom: 16px;
}

.about-body {
  font-size: 15px;
  color: var(--text-body);
  line-height: 1.75;
  margin-bottom: 28px;
}

.about-goals {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 30px;
}

.about-goal-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-body);
}

.goal-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold-gradient);
  flex-shrink: 0;
  box-shadow: 0 0 6px rgba(212, 175, 55, 0.5);
}

/* ============================================================
   APPROACH / WHAT WE DO
   ============================================================ */
.approach-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 70px;
  align-items: center;
}

.approach-img-wrap {
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.approach-img-wrap img {
  width: 100%;
  height: 420px;
  object-fit: cover;
  display: block;
}

.wwd-cards {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.wwd-card-h {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  padding: 22px 24px;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  cursor: default;
}

.wwd-card-h:hover {
  transform: translateX(6px);
  border-color: var(--gold-border);
  box-shadow: var(--shadow-md);
}

.wwd-num-badge {
  min-width: 44px;
  height: 44px;
  background: var(--gold-gradient);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 800;
  color: var(--navy);
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(212, 175, 55, 0.35);
}

.wwd-card-h h4 {
  font-size: 16px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 5px;
}

.wwd-card-h p {
  font-size: 13px;
  color: var(--text-body);
  line-height: 1.6;
}

/* ============================================================
   WHY TECHTONIC FINANCE (6 FEATURES)
   ============================================================ */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.feature-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 36px 30px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}

.feature-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--gold-gradient);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}

.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold-border);
}

.feature-card:hover::before {
  transform: scaleX(1);
}

.feature-icon-wrapper {
  width: 58px;
  height: 58px;
  border-radius: var(--r-md);
  background: var(--gold-soft);
  border: 1px solid var(--gold-border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  color: var(--gold);
  margin-bottom: 22px;
}

.feature-title {
  font-size: 18px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 10px;
}

.feature-desc {
  font-size: 14px;
  color: var(--text-body);
  line-height: 1.65;
}

/* ============================================================
   APPROACH CYCLE (NUMBERED STEPS)
   ============================================================ */
.cycle-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
  max-width: 860px;
  margin: 0 auto;
}

.cycle-step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 24px;
  align-items: flex-start;
  padding: 30px 24px;
  border-bottom: 1px solid #deae2e;
  border-radius: var(--r-lg);
  transition: all var(--transition);
}

.cycle-step:last-child {
  border-bottom: none;
}

.cycle-step:hover {
  background: var(--gold-soft);
  padding-left: 36px;
  border-color: var(--gold-border);
}

.cycle-step-num {
  font-size: 44px;
  font-weight: 900;
  font-family: 'Space Grotesk', monospace;
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  line-height: 1;
  text-align: center;
}

.cycle-step-content h4 {
  font-size: 20px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 6px;
  margin-top: 8px;
}

.cycle-step-content p {
  font-size: 15px;
  color: var(--text-body);
  line-height: 1.65;
}

/* ============================================================
   MISSION SECTION
   ============================================================ */
.mission-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-bottom: 40px;
}

.mission-item {
  display: flex;
  gap: 16px;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  padding: 24px 20px;
  transition: all var(--transition);
}

.mission-item:hover {
  border-color: var(--gold-border);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.mission-num {
  font-size: 28px;
  font-weight: 900;
  font-family: 'Space Grotesk', monospace;
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  line-height: 1;
  flex-shrink: 0;
}

.mission-text h4 {
  font-size: 15px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 6px;
}

.mission-text p {
  font-size: 13px;
  color: var(--text-body);
  line-height: 1.6;
}

.mission-philosophy-card {
  background: var(--navy);
  border-radius: var(--r-xl);
  padding: 40px;
  text-align: center;
}

.mission-quote-icon {
  font-size: 32px;
  color: var(--gold-bright);
  display: block;
  margin-bottom: 12px;
}

.mission-quote-text {
  font-size: 22px;
  font-weight: 700;
  color: #FFFFFF;
  font-style: italic;
}

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.hiw-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}

.hiw-step {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.hiw-step-visual {
  display: flex;
  align-items: center;
  width: 100%;
  margin-bottom: 22px;
}

.hiw-step-num {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: var(--gold-gradient);
  color: var(--navy);
  font-weight: 900;
  font-size: 17px;
  font-family: 'Space Grotesk', monospace;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 18px rgba(212, 175, 55, 0.4);
  z-index: 1;
}

.hiw-step-line {
  flex: 1;
  height: 2px;
  background: linear-gradient(to right, var(--gold-border), transparent);
  margin-left: 8px;
}

.hiw-step-icon {
  width: 64px;
  height: 64px;
  border-radius: var(--r-md);
  background: var(--white);
  border: 1.5px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 26px;
  color: var(--gold);
  margin-bottom: 16px;
}

.hiw-title {
  font-size: 16px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 8px;
}

.hiw-desc {
  font-size: 13px;
  color: var(--text-body);
  line-height: 1.6;
}

/* ============================================================
   RISK MANAGEMENT SECTION
   ============================================================ */
.risk-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 70px;
  align-items: center;
}

.risk-img-wrap {
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.risk-img-wrap img {
  width: 100%;
  height: 420px;
  object-fit: cover;
  display: block;
}

.risk-cards-col {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.risk-card-w {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 20px 22px;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}

.risk-card-w:hover {
  border-color: var(--gold-border);
  transform: translateX(6px);
  box-shadow: var(--shadow-md);
}

.risk-icon-w {
  width: 44px;
  height: 44px;
  background: var(--gold-soft);
  border: 1px solid var(--gold-border);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 18px;
  flex-shrink: 0;
}

.risk-card-w h4 {
  font-size: 15px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 4px;
}

.risk-card-w p {
  font-size: 13px;
  color: var(--text-body);
  line-height: 1.55;
}

.risk-warning-pill {
  background: rgba(212, 175, 55, 0.08);
  border: 1px solid var(--gold-border);
  border-radius: var(--r-md);
  padding: 16px 20px;
  font-size: 13px;
  color: var(--text-body);
  line-height: 1.6;
}

.risk-warning-pill strong {
  color: var(--gold);
}

/* ============================================================
   TRANSPARENCY SECTION
   ============================================================ */
.transparency-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.transparency-item {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  padding: 28px 24px;
  transition: all var(--transition);
}

.transparency-item:hover {
  border-color: var(--gold-border);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.transp-icon {
  width: 50px;
  height: 50px;
  border-radius: var(--r-sm);
  background: var(--gold-soft);
  border: 1px solid var(--gold-border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  color: var(--gold);
  margin-bottom: 16px;
}

.transparency-item h4 {
  font-size: 16px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 8px;
}

.transparency-item p {
  font-size: 13px;
  color: var(--text-body);
  line-height: 1.55;
}

/* ============================================================
   PERFORMANCE / STATS
   ============================================================ */
.perf-stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.perf-stat-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 38px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}

.perf-stat-card:hover {
  border-color: var(--gold-border);
  transform: translateY(-5px);
  box-shadow: var(--shadow-gold);
}

.perf-stat-icon {
  font-size: 28px;
  color: var(--gold);
  margin-bottom: 14px;
}

.perf-stat-value {
  font-size: 44px;
  font-weight: 900;
  line-height: 1;
  font-family: 'Space Grotesk', monospace;
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  margin-bottom: 8px;
}

.perf-stat-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.faq-accordion {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-md);
  overflow: hidden;
  transition: border-color var(--transition);
}

.faq-item.active {
  border-color: var(--gold-border);
}

.faq-question {
  width: 100%;
  padding: 22px 24px;
  background: transparent;
  border: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  text-align: left;
  cursor: pointer;
  gap: 14px;
}

.faq-chevron {
  color: var(--gold);
  transition: transform 0.3s ease;
  flex-shrink: 0;
}

.faq-item.active .faq-chevron {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}

.faq-answer-inner {
  padding: 0 24px 22px;
  font-size: 14px;
  line-height: 1.75;
  color: var(--text-body);
}

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  background: var(--navy);
  border-radius: var(--r-xl);
  padding: 70px 50px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  top: -60%;
  left: 50%;
  transform: translateX(-50%);
  width: 500px;
  height: 300px;
  background: radial-gradient(circle, rgba(212, 175, 55, 0.2) 0%, transparent 70%);
  pointer-events: none;
}

.cta-promise-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.cta-promise {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 14px;
  color: rgba(255, 255, 255, 0.75);
}

.cta-promise i {
  color: var(--gold-bright);
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.7);
  padding: 64px 0 28px;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.3fr;
  gap: 40px;
  margin-bottom: 48px;
}

.footer-about img {
  height: 90px;
  background: #fff;
  border-radius: 20px;
  padding: 5px;
}

.footer-about p {
  font-size: 14px;
  line-height: 1.7;
  max-width: 320px;
}

.footer-col h5 {
  font-size: 15px;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 18px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-link {
  color: rgba(255, 255, 255, 0.6);
  text-decoration: none;
  font-size: 13px;
  transition: all var(--transition);
  display: inline-block;
}

.footer-link:hover {
  color: var(--gold-bright);
  transform: translateX(3px);
}

.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  color: rgba(255, 255, 255, 0.65);
  font-size: 13px;
  line-height: 1.5;
  text-decoration: none;
  transition: all var(--transition);
}

.footer-contact-item i {
  color: var(--gold-bright);
  font-size: 14px;
  margin-top: 3px;
  width: 16px;
  flex-shrink: 0;
}

.footer-contact-item a {
  color: rgba(255, 255, 255, 0.65);
  text-decoration: none;
  transition: color var(--transition);
}

.footer-contact-item a:hover {
  color: var(--gold-bright);
}

.footer-social {
  display: flex;
  gap: 10px;
  margin-top: 20px;
}

.footer-social-btn {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255, 255, 255, 0.6);
  font-size: 14px;
  text-decoration: none;
  transition: all var(--transition);
}

.footer-social-btn:hover {
  background: rgba(212, 175, 55, 0.18);
  border-color: var(--gold-border);
  color: var(--gold-bright);
  transform: translateY(-2px);
}

.risk-disclosure-card {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--r-md);
  padding: 22px 24px;
  font-size: 12px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.45);
  margin-bottom: 36px;
}

.risk-disclosure-card strong {
  color: rgba(255, 255, 255, 0.7);
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.07);
  font-size: 12px;
  color: rgba(255, 255, 255, 0.35);
  flex-wrap: wrap;
  gap: 14px;
}

/* ============================================================
   MODAL
   ============================================================ */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(13, 26, 58, 0.6);
  backdrop-filter: blur(8px);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease;
}

.modal-overlay.active {
  opacity: 1;
  pointer-events: auto;
}

.modal-dialog {
  background: var(--white);
  border-radius: var(--r-xl);
  max-width: 520px;
  width: 100%;
  padding: 36px;
  box-shadow: var(--shadow-lg);
  position: relative;
  transform: translateY(20px);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.modal-overlay.active .modal-dialog {
  transform: translateY(0);
}

.modal-close {
  position: absolute;
  top: 18px;
  right: 18px;
  background: var(--light-gray);
  border: none;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  color: var(--text-muted);
  font-size: 13px;
  transition: var(--transition);
}

.modal-close:hover {
  background: #FFE5E5;
  color: var(--red);
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 16px;
}

.form-group label {
  font-size: 13px;
  font-weight: 700;
  color: var(--navy);
}

.form-input {
  width: 100%;
  padding: 12px 16px;
  background: var(--off-white);
  border: 1.5px solid var(--border-light);
  border-radius: var(--r-sm);
  color: var(--text-primary);
  font-size: 14px;
  font-family: inherit;
  outline: none;
  transition: var(--transition);
}

.form-input:focus {
  border-color: var(--gold);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(212, 175, 55, 0.15);
}

/* Toast */
.toast-container {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 1050;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.toast {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-left: 4px solid var(--gold);
  border-radius: var(--r-md);
  padding: 14px 20px;
  box-shadow: var(--shadow-lg);
  font-size: 14px;
  color: var(--text-primary);
  animation: slideInToast 0.3s ease;
  max-width: 360px;
}

@keyframes slideInToast {
  from {
    transform: translateX(100%);
    opacity: 0;
  }

  to {
    transform: translateX(0);
    opacity: 1;
  }
}

/* Back to Top */
.back-to-top {
  position: fixed;
  bottom: 26px;
  right: 26px;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--gold-gradient);
  border: none;
  color: var(--navy);
  font-size: 14px;
  cursor: pointer;
  box-shadow: var(--shadow-gold);
  opacity: 0;
  pointer-events: none;
  transition: all var(--transition);
  z-index: 499;
  display: flex;
  align-items: center;
  justify-content: center;
}

.back-to-top.visible {
  opacity: 1;
  pointer-events: auto;
}

.back-to-top:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(212, 175, 55, 0.5);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
  .features-grid {
    grid-template-columns: 1fr 1fr;
  }

  .about-grid,
  .approach-grid,
  .risk-layout {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .section-img {
    height: 320px !important;
  }

  .footer-top {
    grid-template-columns: 1fr 1fr;
  }

  .mission-grid {
    grid-template-columns: 1fr 1fr;
  }

  .transparency-grid {
    grid-template-columns: 1fr 1fr;
  }
}

/* ---- Intermediate breakpoint for 503–768px range ---- */
@media (max-width: 768px) {
  .perf-stats-grid {
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }

  .hiw-grid {
    grid-template-columns: 1fr 1fr;
    gap: 20px;
  }

  .nav-actions {
    gap: 6px;
  }

  .hero-cta-group {
    flex-direction: column;
    gap: 12px;
    align-items: center;
    width: 100%;
  }

  .hero-cta-group .btn {
    width: 100%;
    max-width: 320px;
    justify-content: center;
  }

  .hero-pillars {
    padding: 14px 12px;
  }

  .hero-pillar {
    padding: 6px 10px;
  }
}

@media (max-width: 600px) {
  .hero-title-center {
    font-size: 32px;
    letter-spacing: -0.8px;
  }

  .hero-desc-center {
    font-size: 15px;
  }

  .section-title {
    font-size: 26px;
  }

  .section {
    padding: 56px 0;
  }

  /* Hero pillars stack vertically */
  .hero-pillars {
    flex-direction: column;
    gap: 12px;
    padding: 16px 14px;
  }

  .hero-pillar {
    padding: 4px 8px;
    width: 100%;
    justify-content: flex-start;
  }

  .hero-pillar-divider {
    width: 90%;
    height: 1px;
  }

  /* Hide desktop nav; show mobile toggle */
  .nav-links {
    display: none;
  }

  .mobile-toggle {
    display: flex;
  }

  /* Grid collapses */
  .features-grid,
  .mission-grid,
  .hiw-grid,
  .transparency-grid {
    grid-template-columns: 1fr;
  }

  .perf-stats-grid {
    grid-template-columns: 1fr 1fr;
    gap: 14px;
  }

  .cta-banner {
    padding: 36px 18px;
  }

  .cta-promise-row {
    flex-direction: column;
    gap: 10px;
    align-items: flex-start;
  }

  .footer-top {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .footer-bottom {
    flex-direction: column;
    gap: 8px;
    text-align: center;
  }

  .section-img {
    height: 240px !important;
  }

  /* About badge hidden on small screens */
  .about-img-badge {
    display: none;
  }

  /* HIW step line hidden on mobile */
 

  /* Cycle steps */
  .cycle-step {
    grid-template-columns: 48px 1fr;
    gap: 12px;
  }

  .cycle-step-num {
    font-size: 28px;
  }

  /* Mission philosophy card */
  .mission-philosophy-card {
    padding: 28px 20px;
  }

  .mission-quote-text {
    font-size: 18px;
  }

  /* CTA banner button row stacks on small screens */
  .cta-banner > div[style*="flex"] {
    flex-direction: column;
    align-items: center;
  }

  .cta-banner .btn {
    width: 100%;
    max-width: 280px;
    justify-content: center;
  }

  /* CTA h2 inline style override */
  .cta-banner h2 {
    font-size: 26px !important;
    margin: 14px 0 12px !important;
  }

  /* Section pill centered on small screens */
  .section-pill {
    display: inline-flex;
    text-align: center;
  }
}

@media (max-width: 480px) {
  .hero-title-center {
    font-size: 43px;
    letter-spacing: -0.5px;
  }

  .hero-center {
    padding: 52px 16px 72px;
  }

  .container {
    padding:10px;
  }

  .perf-stats-grid {
    grid-template-columns: 1fr  ;
    gap: 12px;
  }

  .perf-stat-card {
    padding: 24px 16px;
  }

  .perf-stat-value {
    font-size: 34px;
  }

  .features-grid {
    grid-template-columns: 1fr;
  }

  .section-img {
    height: 210px !important;
  }

  .cta-banner {
    padding: 28px 16px;
  }

  .cta-banner h2 {
    font-size: 24px !important;
  }

  .section-title {
    font-size: 23px;
  }

  .hero-pillars {
    padding: 12px 10px;
  }

  .pillar-icon {
    width: 34px;
    height: 34px;
    font-size: 13px;
  }

  .pillar-title {
    font-size: 13px;
  }

  .pillar-sub {
    font-size: 11px;
  }

  .btn-lg {
    padding: 12px 24px;
    font-size: 14px;
  }

  .hiw-grid {
    grid-template-columns: 1fr;
  }

  .footer-about img {
    height: 72px;
  }
}