/* ===================================================================
   JMCG Advisory Ltd — public site stylesheet
   Primary blue #0032A3 · deep navy · white · neutral grey
   =================================================================== */

/* ---------- 1. Design tokens ---------- */
:root {
  --blue:        #0032A3;
  --blue-dark:   #00246F;
  --blue-bright: #1F4FD1;
  --blue-wash:   #EDF1FB;
  --blue-line:   #C9D6F3;

  --navy:        #061A3A;
  --navy-soft:   #0C2551;

  --ink:         #0E1726;
  --body:        #46526B;
  --muted:       #6B7791;
  --line:        #E3E8F1;
  --line-soft:   #EFF2F8;
  --mist:        #F6F8FC;
  --paper:       #FFFFFF;

  --focus:       #1F4FD1;

  --font-display: "Source Serif 4", "Iowan Old Style", "Palatino Linotype", Georgia, serif;
  --font-body:    "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;

  --w-page:  1180px;
  --w-text:  68ch;

  --r-sm: 6px;
  --r-md: 12px;
  --r-lg: 20px;

  --shadow-sm: 0 1px 2px rgba(6, 26, 58, .06), 0 2px 8px rgba(6, 26, 58, .05);
  --shadow-md: 0 2px 6px rgba(6, 26, 58, .06), 0 12px 32px rgba(6, 26, 58, .09);
  --shadow-lg: 0 8px 24px rgba(6, 26, 58, .10), 0 32px 64px rgba(6, 26, 58, .12);

  --ease: cubic-bezier(.22, .61, .36, 1);
  --step: clamp(3.5rem, 7vw, 7rem);
}

/* ---------- 2. Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.68;
  color: var(--body);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg, video { max-width: 100%; height: auto; display: block; }
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  color: var(--ink);
  font-weight: 600;
  line-height: 1.16;
  letter-spacing: -.012em;
  margin: 0 0 .6em;
  text-wrap: balance;
}
h1 { font-size: clamp(2.35rem, 5.2vw, 3.9rem); letter-spacing: -.022em; }
h2 { font-size: clamp(1.85rem, 3.6vw, 2.8rem); letter-spacing: -.018em; }
h3 { font-size: clamp(1.25rem, 2vw, 1.55rem); }
h4 { font-size: 1.1rem; font-family: var(--font-body); font-weight: 650; letter-spacing: -.005em; }
p  { margin: 0 0 1.15em; }
p:last-child { margin-bottom: 0; }
a  { color: var(--blue); text-decoration-thickness: 1px; text-underline-offset: .18em; }
a:hover { color: var(--blue-bright); }
ul, ol { margin: 0 0 1.15em; padding-left: 1.25em; }
li { margin-bottom: .45em; }
strong { color: var(--ink); font-weight: 650; }
hr { border: 0; border-top: 1px solid var(--line); margin: 2.5rem 0; }
small { font-size: .875rem; }
::selection { background: var(--blue); color: #fff; }

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
  border-radius: 3px;
}

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 999;
  background: var(--navy); color: #fff; padding: .85rem 1.25rem;
  border-radius: 0 0 var(--r-sm) 0; font-weight: 600;
}
.skip-link:focus { left: 0; color: #fff; }

[hidden] { display: none !important; }

.visually-hidden {
  position: absolute !important; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* ---------- 3. Layout ---------- */
.wrap { width: 100%; max-width: var(--w-page); margin-inline: auto; padding-inline: 1.5rem; }
.wrap--narrow { max-width: 820px; }
.section { padding-block: var(--step); }
.section--tight { padding-block: clamp(2.5rem, 4.5vw, 4rem); }
.section--mist { background: var(--mist); }
.section--wash { background: var(--blue-wash); }
.section--navy { background: var(--navy); color: #C7D3E8; }
.section--navy h2, .section--navy h3, .section--navy h4 { color: #fff; }
.section--navy a { color: #A8C2F5; }

.grid { display: grid; gap: clamp(1.25rem, 2.4vw, 2rem); }
.grid--2 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 420px), 1fr)); }
.grid--3 { grid-template-columns: repeat(auto-fit, minmax(275px, 1fr)); }
.grid--4 { grid-template-columns: repeat(auto-fit, minmax(215px, 1fr)); }
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; } }

.stack > * + * { margin-top: 1.1rem; }
.prose { max-width: var(--w-text); }
.prose h2 { margin-top: 2.4em; }
.prose h3 { margin-top: 1.9em; }
.prose > :first-child { margin-top: 0; }
.prose img { border-radius: var(--r-md); margin-block: 2rem; }
.prose blockquote {
  margin: 2rem 0; padding: .25rem 0 .25rem 1.5rem;
  border-left: 3px solid var(--blue); color: var(--ink);
  font-family: var(--font-display); font-size: 1.2rem; line-height: 1.5;
}
.prose table { width: 100%; border-collapse: collapse; margin: 2rem 0; font-size: .95rem; }
.prose th, .prose td { text-align: left; padding: .75rem .9rem; border-bottom: 1px solid var(--line); }
.prose th { color: var(--ink); font-weight: 650; background: var(--mist); }

/* ---------- 4. Type helpers ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: .55rem;
  font-family: var(--font-body); font-size: .78rem; font-weight: 650;
  letter-spacing: .13em; text-transform: uppercase; color: var(--blue);
  margin-bottom: 1.1rem;
}
.eyebrow::before {
  content: ""; width: 1.7rem; height: 2px; background: var(--blue); border-radius: 2px;
}
.section--navy .eyebrow { color: #8FB0F2; }
.section--navy .eyebrow::before { background: #8FB0F2; }

.lede { font-size: clamp(1.1rem, 1.6vw, 1.3rem); line-height: 1.6; color: var(--ink); }
.muted { color: var(--muted); }
.small-caps { font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; font-weight: 650; color: var(--muted); }
.section-head { max-width: 760px; margin-bottom: clamp(2.25rem, 4vw, 3.25rem); }
.center { text-align: center; }
.center .section-head { margin-inline: auto; }
.center .eyebrow { justify-content: center; }

/* ---------- 5. Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  font-family: var(--font-body); font-size: .97rem; font-weight: 600; letter-spacing: .005em;
  padding: .9rem 1.6rem; border-radius: var(--r-sm); border: 1.5px solid transparent;
  text-decoration: none; cursor: pointer; transition: all .22s var(--ease);
  min-height: 48px;
}
.btn svg { width: 1em; height: 1em; transition: transform .22s var(--ease); }
.btn:hover svg { transform: translateX(3px); }
.btn--primary { background: var(--blue); color: #fff; box-shadow: 0 1px 2px rgba(0,50,163,.2); }
.btn--primary:hover { background: var(--blue-dark); color: #fff; transform: translateY(-1px); box-shadow: 0 6px 18px rgba(0,50,163,.28); }
.btn--ghost { border-color: var(--line); color: var(--ink); background: var(--paper); }
.btn--ghost:hover { border-color: var(--blue); color: var(--blue); transform: translateY(-1px); }
.btn--light { background: #fff; color: var(--navy); }
.btn--light:hover { background: #EDF1FB; color: var(--blue-dark); transform: translateY(-1px); }
.btn--outline-light { border-color: rgba(255,255,255,.35); color: #fff; }
.btn--outline-light:hover { border-color: #fff; background: rgba(255,255,255,.08); color: #fff; }
.btn-row { display: flex; flex-wrap: wrap; gap: .85rem; margin-top: 2rem; }
.center .btn-row { justify-content: center; }

.link-arrow {
  display: inline-flex; align-items: center; gap: .45rem;
  font-weight: 600; font-size: .95rem; text-decoration: none; color: var(--blue);
}
.link-arrow::after { content: "→"; transition: transform .22s var(--ease); }
.link-arrow:hover::after { transform: translateX(4px); }

/* ---------- 6. Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.88);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color .25s var(--ease), box-shadow .25s var(--ease);
}
.site-header.is-stuck { border-bottom-color: var(--line); box-shadow: 0 1px 12px rgba(6,26,58,.06); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; min-height: 78px; }

.brand { display: inline-flex; align-items: center; gap: .7rem; text-decoration: none; flex-shrink: 0; }
.brand img { height: 38px; width: auto; }
.brand-mark {
  width: 38px; height: 38px; border-radius: 7px; background: var(--blue);
  color: #fff; display: grid; place-items: center;
  font-family: var(--font-display); font-weight: 600; font-size: .88rem; letter-spacing: .01em;
}
.brand-text { display: flex; flex-direction: column; line-height: 1.12; }
.brand-name { font-family: var(--font-display); font-size: 1.12rem; font-weight: 600; color: var(--ink); letter-spacing: -.01em; }
.brand-sub { font-size: .68rem; letter-spacing: .13em; text-transform: uppercase; color: var(--muted); font-weight: 600; }

.nav { display: flex; align-items: center; gap: .35rem; }
.nav > a {
  padding: .55rem .8rem; border-radius: var(--r-sm); text-decoration: none;
  color: var(--body); font-size: .94rem; font-weight: 550;
  transition: color .18s var(--ease), background .18s var(--ease);
  white-space: nowrap;
}
.nav > a:hover { color: var(--blue); background: var(--blue-wash); }
.nav > a[aria-current="page"] { color: var(--blue); font-weight: 650; }
.header-cta { margin-left: .5rem; }

.nav-toggle {
  display: none; width: 46px; height: 46px; border: 1px solid var(--line);
  background: #fff; border-radius: var(--r-sm); cursor: pointer;
  align-items: center; justify-content: center; padding: 0;
}
.nav-toggle span { display: block; width: 19px; height: 1.8px; background: var(--ink); border-radius: 2px; position: relative; transition: all .25s var(--ease); }
.nav-toggle span::before, .nav-toggle span::after {
  content: ""; position: absolute; left: 0; width: 19px; height: 1.8px;
  background: var(--ink); border-radius: 2px; transition: all .25s var(--ease);
}
.nav-toggle span::before { top: -6px; }
.nav-toggle span::after  { top: 6px; }
.nav-toggle[aria-expanded="true"] span { background: transparent; }
.nav-toggle[aria-expanded="true"] span::before { top: 0; transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] span::after  { top: 0; transform: rotate(-45deg); }

@media (max-width: 980px) {
  .nav-toggle { display: inline-flex; }
  .nav {
    position: fixed; inset: 78px 0 auto 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    padding: .75rem 1.5rem 1.5rem; box-shadow: var(--shadow-md);
    max-height: calc(100dvh - 78px); overflow-y: auto;
    transform: translateY(-8px); opacity: 0; visibility: hidden;
    transition: all .25s var(--ease);
  }
  .nav.is-open { transform: none; opacity: 1; visibility: visible; }
  .nav > a { padding: .95rem .35rem; border-bottom: 1px solid var(--line-soft); border-radius: 0; font-size: 1.05rem; }
  .header-cta { margin: 1rem 0 0; }
  .header-cta .btn { width: 100%; }
}

/* ---------- 7. Hero ---------- */
.hero {
  position: relative; overflow: hidden; isolation: isolate;
  background:
    radial-gradient(1200px 600px at 78% -10%, rgba(46,98,214,.42), transparent 62%),
    radial-gradient(820px 460px at 6% 10%, rgba(31,79,209,.30), transparent 60%),
    linear-gradient(170deg, #0B2452 0%, #071D44 45%, #061A3A 100%);
  color: #C7D3E8;
}
.hero-art-arc, .hero-art-sky {
  position: absolute; left: 0; right: 0; pointer-events: none; z-index: 0;
}
.hero-art-arc { top: 0; height: 66%; opacity: .85; }
.hero-art-arc svg { width: 100%; height: 100%; }
.hero-art-sky { bottom: 0; height: 52%; max-height: 380px; opacity: 1; }
.hero-art-sky svg { width: 100%; height: 100%; display: block; }
.hero::after {
  content: ""; position: absolute; inset: auto 0 0 0; height: 120px; z-index: 1;
  background: linear-gradient(180deg, transparent, rgba(6,26,58,.30));
  pointer-events: none;
}
/* Keeps the artwork clear of the headline and introduction. */
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(96deg,
    rgba(7,29,68,.95) 0%, rgba(7,29,68,.88) 28%,
    rgba(7,29,68,.45) 50%, rgba(7,29,68,0) 72%);
}
@media (max-width: 940px) {
  /* On a phone the column is narrow, so the flight path would cross the
     text however it is faded. The skyline carries the visual weight instead. */
  .hero-art-arc { display: none; }
  .hero::before {
    background: linear-gradient(180deg, rgba(7,29,68,.55) 0%, rgba(7,29,68,.25) 60%, rgba(7,29,68,0) 100%);
  }
}

.hero-inner {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: minmax(0, 1.12fr) minmax(0, .88fr);
  gap: clamp(2rem, 5vw, 4.5rem); align-items: center;
  padding-block: clamp(4rem, 9vw, 7.5rem);
}
@media (max-width: 940px) { .hero-inner { grid-template-columns: 1fr; } }

.hero h1 { color: #fff; }
.hero .lede { max-width: 44ch; color: #B8C8E4; }
.hero-badge {
  display: inline-flex; align-items: center; gap: .6rem;
  background: rgba(168,194,245,.12); border: 1px solid rgba(168,194,245,.28);
  color: #DCE6FA; padding: .45rem .95rem; border-radius: 100px;
  font-size: .8rem; font-weight: 600; letter-spacing: .02em; margin-bottom: 1.6rem;
  backdrop-filter: blur(6px);
}
.hero-badge .dot {
  width: 7px; height: 7px; border-radius: 50%; background: #6C9BF5; flex-shrink: 0;
  box-shadow: 0 0 0 4px rgba(108,155,245,.22);
}

.hero-facts {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(168px, 1fr));
  gap: 1.25rem 0; margin-top: 2.75rem;
  border-top: 1px solid rgba(168,194,245,.25); padding-top: 1.6rem;
}
.hero-fact { position: relative; padding-right: 1.5rem; }
.hero-fact::after {
  content: ""; position: absolute; right: 0; top: .1rem;
  width: 1px; height: 2.7rem; background: rgba(168,194,245,.25);
}
.hero-fact:last-child::after { display: none; }
.hero-fact dt {
  font-size: .74rem; letter-spacing: .12em; text-transform: uppercase;
  color: #8194B7; font-weight: 650; margin-bottom: .3rem;
}
.hero-fact dd { margin: 0; font-family: var(--font-display); font-size: .98rem; color: #fff; font-weight: 600; text-wrap: balance; }
@media (max-width: 560px) {
  .hero-facts { grid-template-columns: 1fr; }
  .hero-fact { padding-right: 0; }
  .hero-fact::after { display: none; }
}

/* The card on the right of the hero: a photograph, or the credentials panel. */
.hero-card {
  position: relative;
  background: rgba(255,255,255,.055);
  border: 1px solid rgba(168,194,245,.22);
  border-radius: var(--r-lg);
  padding: clamp(1.5rem, 2.6vw, 2.15rem);
  backdrop-filter: blur(10px);
  box-shadow: 0 24px 64px rgba(3,14,36,.45);
}
.hero-card .photo-frame { margin: -.35rem -.35rem 1.4rem; border-radius: var(--r-md); }
.hero-card h2 {
  color: #fff; font-size: 1.22rem; font-family: var(--font-body);
  font-weight: 650; margin-bottom: .3rem; letter-spacing: -.005em;
}
.hero-card .role {
  font-size: .76rem; letter-spacing: .12em; text-transform: uppercase;
  color: #8FB0F2; font-weight: 650; margin-bottom: 1.25rem; display: block;
}
.hero-card .credentials li { color: #B8C8E4; font-size: .9rem; }
.hero-card .credentials li::before {
  background-color: rgba(108,155,245,.24);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23A8C2F5' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
}

/* ---------- 8. Page banner (inner pages) ---------- */
.banner {
  background:
    radial-gradient(1000px 460px at 84% -18%, rgba(46,98,214,.34), transparent 62%),
    linear-gradient(165deg, #0B2452 0%, #081F47 55%, var(--navy) 100%);
  color: #C7D3E8; position: relative; overflow: hidden; isolation: isolate;
}
.banner-art { position: absolute; inset: 0; z-index: 0; pointer-events: none; opacity: .9; }
.banner-art svg { width: 100%; height: 100%; display: block; }
.banner-photo {
  position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background-size: cover; background-position: center; opacity: .3;
}
.banner-photo + .banner-scrim, .banner-art + .banner-scrim { display: block; }
.banner-scrim {
  position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(100deg, rgba(6,26,58,.94) 0%, rgba(6,26,58,.76) 48%, rgba(6,26,58,.38) 100%);
}
.banner > .wrap { position: relative; z-index: 2; }
.banner::after {
  content: ""; position: absolute; inset: auto 0 0 0; height: 1px;
  background: linear-gradient(90deg, transparent, rgba(143,176,242,.5), transparent);
}
.banner-inner { padding-block: clamp(3rem, 6vw, 5rem); max-width: 780px; }
.banner h1 { color: #fff; margin-bottom: .5rem; }
.banner .lede { color: #B8C8E4; }
.banner .eyebrow { color: #8FB0F2; }
.banner .eyebrow::before { background: #8FB0F2; }

.crumbs { font-size: .82rem; color: #8194B7; margin-bottom: 1.5rem; }
.crumbs a { color: #A8C2F5; text-decoration: none; }
.crumbs a:hover { text-decoration: underline; }
.crumbs span { margin: 0 .45rem; opacity: .5; }

/* ---------- 9. Cards ---------- */
.card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--r-md);
  padding: clamp(1.5rem, 2.4vw, 2rem);
  transition: transform .28s var(--ease), box-shadow .28s var(--ease), border-color .28s var(--ease);
  display: flex; flex-direction: column;
}
.card--link { text-decoration: none; color: inherit; }
.card--link:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--blue-line); color: inherit; }
.card h3 { font-size: 1.22rem; margin-bottom: .55rem; }
.card p { font-size: .96rem; color: var(--body); }
.card .link-arrow { margin-top: auto; padding-top: 1.1rem; }

.card-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: var(--blue-wash); color: var(--blue);
  display: grid; place-items: center; margin-bottom: 1.15rem; flex-shrink: 0;
}
.card-icon svg { width: 21px; height: 21px; stroke-width: 1.6; }
.card-num {
  font-family: var(--font-display); font-size: .92rem; font-weight: 600;
  color: var(--blue); letter-spacing: .06em; margin-bottom: .9rem;
}

/* ---------- 10. Journey / process ---------- */
.journey { position: relative; display: grid; gap: 0; }
.journey-step {
  display: grid; grid-template-columns: 56px minmax(0, 1fr);
  gap: 1.5rem; padding-bottom: 2.25rem; position: relative;
}
.journey-step:last-child { padding-bottom: 0; }
.journey-step::before {
  content: ""; position: absolute; left: 27px; top: 46px; bottom: -6px;
  width: 2px; background: linear-gradient(180deg, var(--blue-line), var(--line-soft));
}
.journey-step:last-child::before { display: none; }
.journey-dot {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--paper); border: 2px solid var(--blue-line); color: var(--blue);
  display: grid; place-items: center; font-family: var(--font-display);
  font-size: 1.12rem; font-weight: 600; position: relative; z-index: 1;
  transition: all .3s var(--ease);
}
.journey-step:hover .journey-dot { background: var(--blue); border-color: var(--blue); color: #fff; }
.journey-body h3 { margin-bottom: .35rem; font-size: 1.2rem; }
.journey-when {
  display: inline-block; font-size: .78rem; font-weight: 650; letter-spacing: .06em;
  text-transform: uppercase; color: var(--blue); background: var(--blue-wash);
  padding: .22rem .6rem; border-radius: 100px; margin-bottom: .6rem;
}

/* ---------- 11. Comparison table ---------- */
.table-scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r-md); background: #fff; -webkit-overflow-scrolling: touch; }
.table-scroll table { width: 100%; border-collapse: collapse; min-width: 640px; font-size: .94rem; }
.table-scroll th, .table-scroll td { padding: .95rem 1.1rem; text-align: left; border-bottom: 1px solid var(--line-soft); vertical-align: top; }
.table-scroll thead th {
  background: var(--navy); color: #fff; font-family: var(--font-body);
  font-weight: 600; font-size: .86rem; letter-spacing: .03em; border-bottom: 0;
  position: sticky; top: 0;
}
.table-scroll tbody tr:last-child td { border-bottom: 0; }
.table-scroll tbody tr:nth-child(even) { background: var(--mist); }
.table-scroll th[scope="row"] { color: var(--ink); font-weight: 650; background: transparent; }
.source-note {
  font-size: .84rem; color: var(--muted); margin-top: 1rem;
  display: flex; flex-wrap: wrap; gap: .35rem 1.25rem;
}

/* ---------- 12. FAQ ---------- */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  cursor: pointer; list-style: none; padding: 1.35rem 3rem 1.35rem 0;
  font-family: var(--font-display); font-size: 1.12rem; font-weight: 600;
  color: var(--ink); position: relative; transition: color .2s var(--ease);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary:hover { color: var(--blue); }
.faq summary::after {
  content: ""; position: absolute; right: .35rem; top: 50%;
  width: 11px; height: 11px; margin-top: -7px;
  border-right: 2px solid var(--blue); border-bottom: 2px solid var(--blue);
  transform: rotate(45deg); transition: transform .25s var(--ease);
}
.faq details[open] summary::after { transform: rotate(-135deg); margin-top: -2px; }
.faq-answer { padding: 0 2rem 1.6rem 0; max-width: var(--w-text); }

/* ---------- 13. Profile ---------- */
.profile { display: grid; grid-template-columns: 290px minmax(0, 1fr); gap: clamp(2rem, 4vw, 3.5rem); align-items: start; }
@media (max-width: 760px) { .profile { grid-template-columns: 1fr; } }
.portrait {
  border-radius: var(--r-md); overflow: hidden; background: var(--blue-wash);
  aspect-ratio: 4 / 5; border: 1px solid var(--line);
}
.portrait img { width: 100%; height: 100%; object-fit: cover; }
.portrait-placeholder { width: 100%; height: 100%; display: grid; place-items: center; color: var(--blue); opacity: .45; }
.credentials { list-style: none; padding: 0; margin: 1.5rem 0 0; display: grid; gap: .6rem; }
.credentials li {
  display: flex; gap: .65rem; align-items: flex-start;
  font-size: .93rem; color: var(--body); margin: 0;
}
.credentials li::before {
  content: ""; flex-shrink: 0; width: 17px; height: 17px; margin-top: .22rem;
  border-radius: 50%; background: var(--blue-wash);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230032A3' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size: 11px; background-repeat: no-repeat; background-position: center;
}

/* ---------- 14. Reach / partner network ---------- */
.reach-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--r-md); overflow: hidden; }
.reach-cell { background: #fff; padding: 1.4rem 1.25rem; transition: background .22s var(--ease); }
.reach-cell:hover { background: var(--blue-wash); }
.reach-cell .place { font-family: var(--font-display); font-size: 1.05rem; font-weight: 600; color: var(--ink); margin-bottom: .2rem; }
.reach-cell .note { font-size: .82rem; color: var(--muted); }

/* ---------- 15. Insights ---------- */
.article-card { display: flex; flex-direction: column; text-decoration: none; color: inherit; height: 100%; }
.article-thumb {
  aspect-ratio: 16 / 9; border-radius: var(--r-md); overflow: hidden;
  background: linear-gradient(135deg, var(--blue-wash), #E3EAFA); margin-bottom: 1.1rem;
  border: 1px solid var(--line);
}
.article-thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform .45s var(--ease); }
.article-card:hover .article-thumb img { transform: scale(1.035); }
.article-meta { display: flex; flex-wrap: wrap; align-items: center; gap: .5rem; font-size: .8rem; color: var(--muted); margin-bottom: .6rem; }
.tag {
  display: inline-block; font-size: .72rem; font-weight: 650; letter-spacing: .07em;
  text-transform: uppercase; color: var(--blue); background: var(--blue-wash);
  padding: .25rem .6rem; border-radius: 4px;
}
.article-card h3 { font-size: 1.22rem; margin-bottom: .5rem; transition: color .2s var(--ease); }
.article-card:hover h3 { color: var(--blue); }

.filters { display: flex; flex-wrap: wrap; gap: .5rem; margin-bottom: 2.25rem; }
.filters a, .chip {
  display: inline-block; padding: .5rem 1rem; border-radius: 100px;
  border: 1px solid var(--line); background: #fff; color: var(--body);
  font-size: .88rem; font-weight: 550; text-decoration: none;
  transition: all .2s var(--ease);
}
.filters a:hover { border-color: var(--blue); color: var(--blue); }
.filters a[aria-current="true"] { background: var(--blue); border-color: var(--blue); color: #fff; }

.search-row { display: flex; gap: .6rem; margin-bottom: 1.75rem; max-width: 460px; }
.search-row input { flex: 1; }

.article-head { max-width: var(--w-text); }
.byline { display: flex; flex-wrap: wrap; gap: .4rem 1.1rem; font-size: .89rem; color: var(--muted); margin-top: 1.25rem; }
.byline strong { color: var(--ink); }

/* ---------- 16. Forms ---------- */
.field { margin-bottom: 1.25rem; }
.field label { display: block; font-size: .9rem; font-weight: 600; color: var(--ink); margin-bottom: .4rem; }
.field .hint { font-size: .83rem; color: var(--muted); margin-top: .35rem; }
.req { color: #B42318; }

input[type=text], input[type=email], input[type=tel], input[type=url],
input[type=password], input[type=search], input[type=date], input[type=datetime-local],
input[type=number], select, textarea {
  width: 100%; font-family: inherit; font-size: 1rem; color: var(--ink);
  background: #fff; border: 1.5px solid var(--line); border-radius: var(--r-sm);
  padding: .8rem .9rem; min-height: 48px;
  transition: border-color .18s var(--ease), box-shadow .18s var(--ease);
  -webkit-appearance: none; appearance: none;
}
select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%236B7791' stroke-width='2.2' stroke-linecap='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right .8rem center; background-size: 15px;
  padding-right: 2.4rem;
}
textarea { min-height: 150px; resize: vertical; line-height: 1.6; }
input:focus, select:focus, textarea:focus {
  outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(0,50,163,.13);
}
input[aria-invalid=true], textarea[aria-invalid=true] { border-color: #B42318; }
.field-error { font-size: .85rem; color: #B42318; margin-top: .35rem; font-weight: 550; }

.checkbox { display: flex; gap: .7rem; align-items: flex-start; font-size: .92rem; }
.checkbox input { width: 18px; height: 18px; min-height: 0; margin-top: .22rem; flex-shrink: 0; accent-color: var(--blue); }

.hp-field { position: absolute !important; left: -9999px; opacity: 0; height: 0; overflow: hidden; }

.notice {
  border-radius: var(--r-sm); padding: 1rem 1.15rem; margin-bottom: 1.5rem;
  font-size: .94rem; border: 1px solid; display: flex; gap: .7rem; align-items: flex-start;
}
.notice--success { background: #ECFDF3; border-color: #ABEFC6; color: #085D3A; }
.notice--error   { background: #FEF3F2; border-color: #FECDCA; color: #912018; }
.notice--info    { background: var(--blue-wash); border-color: var(--blue-line); color: var(--blue-dark); }
.notice--warn    { background: #FFFAEB; border-color: #FEDF89; color: #93370D; }
.notice strong { color: inherit; }
.notice > svg { width: 20px; height: 20px; flex-shrink: 0; margin-top: .18rem; }

/* Safety net: any icon dropped inline stays icon-sized. */
h1 > svg, h2 > svg, h3 > svg, h4 > svg, p > svg, li > svg, span > svg, td > svg {
  width: 1.05em; height: 1.05em; display: inline-block; vertical-align: -.15em;
}

.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: clamp(1.75rem, 3.2vw, 2.75rem); box-shadow: var(--shadow-sm);
}

/* ---------- 17. Contact detail blocks ---------- */
.office { padding: 1.5rem 0; border-top: 1px solid var(--line); }
.office:first-of-type { border-top: 0; padding-top: 0; }
.office h3 { font-size: 1.05rem; font-family: var(--font-body); font-weight: 650; margin-bottom: .4rem; }
.office address { font-style: normal; font-size: .95rem; line-height: 1.65; }

/* ---------- 18. CTA band ---------- */
.cta-band {
  background:
    radial-gradient(700px 320px at 15% 0%, rgba(31,79,209,.28), transparent 60%),
    linear-gradient(120deg, var(--blue-dark) 0%, var(--navy) 100%);
  color: #C7D3E8; border-radius: var(--r-lg); overflow: hidden;
  padding: clamp(2.5rem, 5vw, 4rem); position: relative;
}
.cta-band h2 { color: #fff; max-width: 20ch; }
.cta-band p { color: #B8C8E4; max-width: 52ch; }
.cta-band::before {
  content: ""; position: absolute; right: -60px; top: -60px;
  width: 280px; height: 280px; border-radius: 50%;
  border: 1px solid rgba(168,194,245,.18);
}
.cta-band::after {
  content: ""; position: absolute; right: 10px; top: 10px;
  width: 160px; height: 160px; border-radius: 50%;
  border: 1px solid rgba(168,194,245,.14);
}

/* ---------- 19. Footer ---------- */
.site-footer { background: var(--navy); color: #94A6C4; padding-block: clamp(3rem, 5vw, 4.5rem) 2rem; font-size: .93rem; }
.footer-grid { display: grid; grid-template-columns: minmax(0, 1.5fr) repeat(auto-fit, minmax(150px, 1fr)); gap: 2.5rem; padding-bottom: 2.75rem; border-bottom: 1px solid rgba(148,166,196,.18); }
.site-footer h4 { color: #fff; font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 1rem; font-weight: 650; }
.site-footer a { color: #94A6C4; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-links { list-style: none; padding: 0; margin: 0; display: grid; gap: .6rem; }
.footer-links li { margin: 0; }
.footer-brand .brand-name { color: #fff; }
.footer-brand .brand-sub { color: #8194B7; }
.footer-brand p { margin-top: 1.1rem; max-width: 34ch; font-size: .9rem; line-height: 1.6; }
.footer-bottom { padding-top: 1.75rem; display: flex; flex-wrap: wrap; gap: .75rem 1.5rem; justify-content: space-between; font-size: .84rem; color: #7C8FB0; }
.footer-legal { display: flex; flex-wrap: wrap; gap: 1.25rem; }
.disclaimer-note { margin-top: 1.5rem; font-size: .8rem; line-height: 1.6; color: #7C8FB0; max-width: 90ch; }

/* ---------- 20. Motion ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.is-visible { opacity: 1; transform: none; }
.reveal:nth-child(2) { transition-delay: .07s; }
.reveal:nth-child(3) { transition-delay: .14s; }
.reveal:nth-child(4) { transition-delay: .21s; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .001ms !important; animation-iteration-count: 1 !important;
    transition-duration: .001ms !important; scroll-behavior: auto !important;
  }
  .reveal { opacity: 1; transform: none; }
}

/* ---------- 21. Preview bar (owner only) ---------- */
.preview-bar {
  position: fixed; bottom: 1rem; left: 50%; transform: translateX(-50%);
  z-index: 500; background: var(--navy); color: #fff; border-radius: 100px;
  padding: .6rem .7rem .6rem 1.25rem; box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 1rem; font-size: .88rem;
  max-width: calc(100vw - 2rem);
}
.preview-bar a { color: #fff; background: rgba(255,255,255,.14); padding: .4rem .9rem; border-radius: 100px; text-decoration: none; font-weight: 600; white-space: nowrap; }
.preview-bar a:hover { background: rgba(255,255,255,.26); }

/* ---------- 22. Print ---------- */
@media print {
  .site-header, .site-footer, .cta-band, .preview-bar, .btn-row, .nav-toggle { display: none !important; }
  body { color: #000; font-size: 11pt; }
  a[href^="http"]::after { content: " (" attr(href) ")"; font-size: 9pt; color: #555; }
}


/* ---------- 23. Photograph frames ---------- */
.photo-frame {
  position: relative; margin: 0; overflow: hidden;
  border-radius: var(--r-md); background: var(--blue-wash);
  aspect-ratio: var(--ratio, 4 / 3);
  border: 1px solid var(--line);
}
.photo-frame > img { width: 100%; height: 100%; object-fit: cover; display: block; }
.photo-frame-art { position: absolute; inset: 0; }
.photo-frame-art svg { width: 100%; height: 100%; display: block; object-fit: cover; }
.photo-frame figcaption {
  position: absolute; left: 0; right: 0; bottom: 0; z-index: 2;
  padding: 1.5rem 1.1rem .85rem; font-size: .82rem; color: #fff;
  background: linear-gradient(180deg, transparent, rgba(6,26,58,.82));
}
.photo-frame--dark { border-color: rgba(168,194,245,.2); background: #0A1F48; }
.photo-frame--tall { --ratio: 4 / 5; }
.photo-frame--wide { --ratio: 16 / 9; }
.photo-frame--square { --ratio: 1 / 1; }
.photo-frame--flush { border: 0; }

/* A pair of stacked frames, offset for depth. */
.photo-stack { position: relative; padding: 0 1.5rem 3.25rem 0; }
.photo-stack .photo-frame:first-child { box-shadow: var(--shadow-md); }
.photo-stack .photo-frame:last-child {
  position: absolute; right: 0; bottom: 0; width: 36%;
  border: 5px solid #fff; box-shadow: var(--shadow-lg);
}
.section--navy .photo-stack .photo-frame:last-child,
.section--mist .photo-stack .photo-frame:last-child { border-color: var(--mist); }
.section--navy .photo-stack .photo-frame:last-child { border-color: var(--navy); }
@media (max-width: 620px) {
  .photo-stack { padding: 0; }
  .photo-stack .photo-frame:last-child { display: none; }
}

/* ---------- 24. Wide skyline divider ---------- */
.skyband {
  position: relative; height: clamp(120px, 14vw, 200px); overflow: hidden;
  background: linear-gradient(180deg, #081F47, var(--navy));
}
.skyband svg { position: absolute; inset: auto 0 0 0; width: 100%; height: 100%; display: block; }
.skyband--top { background: linear-gradient(180deg, transparent, var(--navy)); }

/* ---------- 25. Statistic band ---------- */
.stat-band {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: 1px; background: rgba(168,194,245,.2);
  border: 1px solid rgba(168,194,245,.2); border-radius: var(--r-md); overflow: hidden;
}
.stat-cell { background: var(--navy); padding: clamp(1.5rem, 2.6vw, 2.25rem); }
.section--mist .stat-band { background: var(--line); border-color: var(--line); }
.section--mist .stat-cell { background: #fff; }
.stat-cell .n {
  display: block; font-family: var(--font-display); font-size: clamp(2rem, 3.6vw, 2.9rem);
  font-weight: 600; line-height: 1; letter-spacing: -.02em; color: #fff; margin-bottom: .5rem;
}
.section--mist .stat-cell .n { color: var(--blue); }
.stat-cell .l { font-size: .92rem; color: #B8C8E4; line-height: 1.5; display: block; }
.section--mist .stat-cell .l { color: var(--body); }

/* ---------- 26. Pull quote ---------- */
.pullquote {
  position: relative; border-radius: var(--r-lg); overflow: hidden;
  background:
    radial-gradient(700px 320px at 12% 0%, rgba(46,98,214,.30), transparent 62%),
    linear-gradient(130deg, #0B2452, var(--navy));
  color: #C7D3E8; padding: clamp(2.25rem, 4.5vw, 3.75rem);
}
.pullquote blockquote {
  margin: 0; font-family: var(--font-display); font-weight: 600;
  font-size: clamp(1.35rem, 2.7vw, 2.1rem); line-height: 1.34;
  color: #fff; letter-spacing: -.012em; max-width: 26ch;
}
.pullquote .attrib {
  margin-top: 1.75rem; font-size: .88rem; color: #8FB0F2;
  display: flex; align-items: center; gap: .7rem;
}
.pullquote .attrib::before { content: ""; width: 1.9rem; height: 2px; background: #6C9BF5; border-radius: 2px; }
.pullquote::before {
  content: "\201C"; position: absolute; top: -.35em; right: .1em;
  font-family: var(--font-display); font-size: 16rem; line-height: 1;
  color: rgba(168,194,245,.09); pointer-events: none;
}

/* ---------- 27. Alternating feature rows ---------- */
.feature-row {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(2rem, 5vw, 4.5rem); align-items: center;
}
.feature-row + .feature-row { margin-top: clamp(3rem, 6vw, 5.5rem); }
.feature-row:nth-child(even) .feature-media { order: -1; }
@media (max-width: 860px) {
  .feature-row { grid-template-columns: 1fr; }
  .feature-row:nth-child(even) .feature-media { order: 0; }
}
.feature-row .step-no {
  display: inline-flex; align-items: center; justify-content: center;
  width: 2.4rem; height: 2.4rem; border-radius: 50%;
  background: var(--blue-wash); color: var(--blue);
  font-family: var(--font-display); font-weight: 600; font-size: .95rem;
  margin-bottom: 1.1rem;
}
.section--navy .feature-row .step-no { background: rgba(108,155,245,.18); color: #A8C2F5; }

/* ---------- 28. Logo lockup ---------- */
.brand img { height: 42px; width: auto; }
.site-footer .brand img { height: 46px; }
@media (max-width: 480px) { .brand img { height: 34px; } }

/* ---------- 29. Credentials panels (no photograph) ---------- */
.hero-card-tag {
  display: inline-block; font-size: .72rem; letter-spacing: .14em; text-transform: uppercase;
  color: #8FB0F2; font-weight: 700; margin-bottom: .85rem;
}
.hero-card-link { margin-top: 1.5rem; color: #A8C2F5; }
.hero-card-link::after { color: #A8C2F5; }
.hero-card h2 { font-family: var(--font-display); font-size: 1.7rem; font-weight: 600; margin-bottom: .2rem; }

.profile--no-photo { grid-template-columns: 340px minmax(0, 1fr); }
@media (max-width: 820px) { .profile--no-photo { grid-template-columns: 1fr; } }
.profile-card {
  background: var(--mist); border: 1px solid var(--line); border-left: 3px solid var(--blue);
  border-radius: var(--r-md); padding: clamp(1.5rem, 2.6vw, 2rem); position: sticky; top: 108px;
}
.profile-card h2 { font-size: 1.55rem; margin-bottom: .15em; }
@media (max-width: 820px) { .profile-card { position: static; } }

/* ---------- 30. Markets strip ---------- */
.markets-strip {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 1px; background: rgba(168,194,245,.22);
  border: 1px solid rgba(168,194,245,.22); border-radius: var(--r-md); overflow: hidden;
}
.market-cell {
  background: var(--navy); padding: clamp(1.5rem, 2.6vw, 2rem);
  display: flex; flex-direction: column; gap: .45rem;
}
.market-cell .mk {
  font-family: var(--font-display); font-size: 1.22rem; font-weight: 600; color: #fff; letter-spacing: -.01em;
}
.market-cell .mn { font-size: .9rem; color: #B8C8E4; line-height: 1.55; }
.market-cell .ml { margin-top: auto; padding-top: 1rem; }

/* ---------- 31. Ticker band ---------- */
.ticker {
  max-width: 100vw;
  background: linear-gradient(90deg, #071D44, #0C2A63 50%, #071D44);
  border-block: 1px solid rgba(168,194,245,.18);
  overflow: hidden; padding-block: .9rem;
}
.ticker-inner {
  display: flex; gap: 3rem; white-space: nowrap;
  font-size: .82rem; letter-spacing: .14em; text-transform: uppercase;
  font-weight: 650; color: #7FA5F0;
  animation: ticker-scroll 42s linear infinite;
}
.ticker-inner span { display: inline-flex; align-items: center; gap: 3rem; }
.ticker-inner span::after {
  content: ""; width: 5px; height: 5px; border-radius: 50%; background: #2E62D6; flex-shrink: 0;
}
@keyframes ticker-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .ticker-inner { animation: none; flex-wrap: wrap; white-space: normal; }
}