/* ============================================================
   ALTIUS ASSOCIATES — Global Stylesheet
   Light Theme Luxury Wealth Architecture | #081B33 · #246BFD · #16B8A6 · #F8FAFC
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&family=Inter:wght@400;500;600;700;800;900&display=swap');

/* ── Design Tokens ── */
:root {
  --color-navy:           #081B33;
  --color-navy-light:     #0f294a;
  --color-navy-dark:      #040e1b;
  --color-blue:           #246BFD;
  --color-blue-hover:     #1a56d6;
  --color-blue-faint:     rgba(36, 107, 253, 0.08);
  --color-teal:           #16B8A6;
  --color-teal-hover:     #0d9488;
  --color-teal-faint:     rgba(22, 184, 166, 0.08);
  --color-bg:             #F8FAFC;
  --color-surface:        #FFFFFF;
  --color-surface-alt:    #F1F5F9;
  --color-border:         #E2E8F0;
  --color-border-strong:  #CBD5E1;
  --color-border-subtle:  rgba(8, 27, 51, 0.07);

  --color-text-main:      #081B33;
  --color-text-muted:     #475569;
  --color-text-subtle:    #64748B;
  --color-text-faint:     #94A3B8;
  --color-white:          #FFFFFF;

  --font-sans:     'Plus Jakarta Sans', 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-heading:  'Plus Jakarta Sans', 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-mono:     ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, monospace;

  --radius-xs: 4px;
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;

  --shadow-sm: 0 1px 3px rgba(8, 27, 51, 0.05), 0 1px 2px rgba(8, 27, 51, 0.03);
  --shadow-md: 0 4px 16px -2px rgba(8, 27, 51, 0.06), 0 2px 6px -1px rgba(8, 27, 51, 0.03);
  --shadow-lg: 0 12px 32px -4px rgba(8, 27, 51, 0.08), 0 4px 12px -2px rgba(8, 27, 51, 0.04);
  --shadow-hover: 0 16px 36px -4px rgba(36, 107, 253, 0.14), 0 6px 16px -2px rgba(8, 27, 51, 0.06);

  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --ticker-height: 40px;
  --nav-height: 84px;
  --max-width: 1280px;
}

/* ── Global Reset ── */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  background-color: var(--color-bg);
  color: var(--color-text-main);
  font-family: var(--font-sans);
  font-weight: 400;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  font-feature-settings: "cv02", "cv03", "cv04", "cv11";
  overflow-x: hidden;
}

a {
  color: inherit;
  text-decoration: none;
  transition: var(--transition);
}

img {
  display: block;
  max-width: 100%;
}

ul, ol {
  list-style: none;
}

button, input, select, textarea {
  font-family: inherit;
}

/* ── Institutional Title Typography (Authoritative, Legit, High-Impact) ── */
h1, h2, h3, h4, h5, h6 {
  color: var(--color-navy);
  font-family: var(--font-heading);
  font-weight: 800;
  line-height: 1.14;
  letter-spacing: -0.035em;
  text-wrap: balance;
}

h1 {
  font-size: clamp(2.5rem, 5.2vw, 4.3rem);
  font-weight: 800;
  letter-spacing: -0.038em;
  line-height: 1.08;
}

h2 {
  font-size: clamp(1.9rem, 3.6vw, 2.9rem);
  font-weight: 800;
  letter-spacing: -0.032em;
  line-height: 1.18;
}

h3 {
  font-size: clamp(1.2rem, 2.2vw, 1.6rem);
  font-weight: 700;
  letter-spacing: -0.025em;
  line-height: 1.3;
}

h4 {
  font-size: 0.86rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

p {
  color: var(--color-text-muted);
  font-weight: 400;
  line-height: 1.7;
}

/* Financial Title Em Accent (Brand Blue Highlight, NO wispy italics) */
em {
  font-family: inherit;
  font-style: normal;
  font-weight: inherit;
  color: var(--color-blue);
}

.eyebrow {
  display: inline-block;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--color-teal);
  margin-bottom: 1rem;
}

.eyebrow-blue {
  color: var(--color-blue);
}

/* ── Layout ── */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 2rem;
}

.container-narrow {
  max-width: 960px;
  margin: 0 auto;
  padding: 0 2rem;
}

section {
  padding: 5.5rem 0;
  position: relative;
}

.section-heading {
  margin-bottom: 3.5rem;
}

.section-heading.center {
  text-align: center;
}

.section-heading.center .divider {
  margin-left: auto;
  margin-right: auto;
}

.section-heading p {
  max-width: 600px;
  font-size: 1.05rem;
  margin-top: 1rem;
}

.section-heading.center p {
  margin-left: auto;
  margin-right: auto;
}

/* ── Dividers ── */
.divider {
  width: 44px;
  height: 2px;
  background: var(--color-blue);
  margin: 1.25rem 0;
}

.divider.teal {
  background: var(--color-teal);
}

.divider.center {
  margin-left: auto;
  margin-right: auto;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 0.85rem 2rem;
  border-radius: var(--radius-xs);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  cursor: pointer;
  transition: var(--transition);
  border: 1px solid transparent;
  white-space: nowrap;
}

.btn-primary {
  background: var(--color-blue);
  color: var(--color-white);
  box-shadow: 0 4px 14px rgba(36, 107, 253, 0.28);
}

.btn-primary:hover {
  background: var(--color-blue-hover);
  color: var(--color-white);
  box-shadow: 0 6px 20px rgba(36, 107, 253, 0.4);
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  color: var(--color-navy);
  border-color: rgba(8, 27, 51, 0.35);
}

.btn-outline:hover {
  border-color: var(--color-blue);
  color: var(--color-blue);
  background: var(--color-blue-faint);
  transform: translateY(-1px);
}

.btn-teal {
  background: var(--color-teal);
  color: var(--color-white);
  box-shadow: 0 4px 14px rgba(22, 184, 166, 0.28);
}

.btn-teal:hover {
  background: var(--color-teal-hover);
  color: var(--color-white);
  box-shadow: 0 6px 20px rgba(22, 184, 166, 0.4);
  transform: translateY(-1px);
}

.btn-navy {
  background: var(--color-navy);
  color: var(--color-white);
}

.btn-navy:hover {
  background: var(--color-navy-light);
  transform: translateY(-1px);
}

.btn-nav {
  padding: 0.6rem 1.4rem;
  font-size: 0.72rem;
  border: 1px solid var(--color-navy);
  color: var(--color-navy);
}

.btn-nav:hover {
  background: var(--color-blue);
  border-color: var(--color-blue);
  color: var(--color-white);
  box-shadow: 0 4px 14px rgba(36, 107, 253, 0.3);
}

/* ── Live Financial Ticker Tape (Top Banner) ── */
#ticker-tape-wrapper {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 200;
  background: var(--color-navy);
  height: var(--ticker-height);
  overflow: hidden;
  display: flex;
  align-items: center;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

#ticker-track-outer {
  width: 100%;
  overflow: hidden;
  position: relative;
  height: var(--ticker-height);
  display: flex;
  align-items: center;
}

#ticker-track {
  display: flex;
  align-items: center;
  gap: 0;
  white-space: nowrap;
  will-change: transform;
}

.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 0 32px;
  border-right: 1px solid rgba(255, 255, 255, 0.08);
  height: var(--ticker-height);
}

.ticker-label {
  font-family: var(--font-sans);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 1.2px;
  color: #94A3B8;
  text-transform: uppercase;
}

.ticker-price {
  font-family: var(--font-sans);
  font-size: 12.5px;
  font-weight: 600;
  color: var(--color-white);
  letter-spacing: 0.4px;
}

.ticker-price.gain {
  color: var(--color-teal);
}

#ticker-live-dot {
  position: absolute;
  right: 18px;
  top: 50%;
  transform: translateY(-50%);
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--color-teal);
  box-shadow: 0 0 8px var(--color-teal);
  animation: dotPulse 2s infinite ease-in-out;
  pointer-events: none;
}

@keyframes dotPulse {
  0%, 100% { opacity: 1; transform: translateY(-50%) scale(1); }
  50% { opacity: 0.35; transform: translateY(-50%) scale(0.8); }
}

@keyframes priceFlash {
  0% { opacity: 0.4; }
  100% { opacity: 1; }
}

.ticker-price.updated {
  animation: priceFlash 0.6s ease;
}

/* ── Main Navigation Bar ── */
.nav {
  position: fixed;
  top: var(--ticker-height);
  left: 0;
  right: 0;
  height: var(--nav-height);
  z-index: 190;
  background: rgba(248, 250, 252, 0.94);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--color-border);
  transition: all 0.3s ease;
}

.nav.scrolled {
  background: rgba(255, 255, 255, 0.98);
  box-shadow: var(--shadow-sm);
  height: 76px;
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.brand-logo {
  height: 44px;
  width: auto;
  object-fit: contain;
  transition: transform var(--transition);
}

.nav.scrolled .brand-logo {
  height: 40px;
}

.nav-brand:hover .brand-logo {
  transform: scale(1.02);
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 2.2rem;
}

.nav-menu a {
  font-size: 0.76rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-navy);
  position: relative;
  padding: 0.4rem 0;
}

.nav-menu a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--color-blue);
  transition: width 0.25s ease;
}

.nav-menu a:hover {
  color: var(--color-blue);
}

.nav-menu a:hover::after,
.nav-menu a.active::after {
  width: 100%;
}

.nav-menu a.active {
  color: var(--color-blue);
  font-weight: 600;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.nav-portal-link {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  color: var(--color-navy);
  border: 1px solid var(--color-border);
  transition: var(--transition);
}

.nav-portal-link:hover {
  border-color: var(--color-blue);
  color: var(--color-blue);
  background: var(--color-blue-faint);
  transform: translateY(-1px);
}

/* ── Language Switcher ── */
.lang-switcher {
  position: relative;
  cursor: pointer;
}

.lang-current {
  display: flex;
  align-items: center;
  gap: 4px;
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  color: var(--color-navy);
  padding: 0.4rem 0.6rem;
  border-radius: var(--radius-xs);
  border: 1px solid var(--color-border);
  background: var(--color-surface);
}

.lang-current .arrow {
  font-size: 0.55rem;
  color: var(--color-text-subtle);
  transition: transform 0.2s ease;
}

.lang-dropdown {
  position: absolute;
  top: 100%;
  right: 0;
  margin-top: 6px;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg);
  display: none;
  flex-direction: column;
  min-width: 80px;
  z-index: 1000;
  overflow: hidden;
}

.lang-dropdown a {
  padding: 0.45rem 0.9rem;
  font-size: 0.72rem;
  font-weight: 500;
  color: var(--color-navy);
  transition: background 0.2s, color 0.2s;
}

.lang-dropdown a:hover {
  background: var(--color-blue-faint);
  color: var(--color-blue);
}

.lang-switcher:hover .lang-dropdown {
  display: flex;
}

.lang-switcher:hover .lang-current .arrow {
  transform: rotate(180deg);
}

/* ── Mobile Hamburger ── */
.nav-hamburger {
  display: none;
  flex-direction: column;
  justify-content: space-between;
  width: 24px;
  height: 18px;
  cursor: pointer;
}

.nav-hamburger span {
  display: block;
  height: 2px;
  width: 100%;
  background-color: var(--color-navy);
  border-radius: 2px;
  transition: all 0.3s ease;
}

.nav-hamburger.open span:nth-child(1) {
  transform: translateY(8px) rotate(45deg);
}
.nav-hamburger.open span:nth-child(2) {
  opacity: 0;
}
.nav-hamburger.open span:nth-child(3) {
  transform: translateY(-8px) rotate(-45deg);
}

/* ── Mobile Drawer Menu ── */
.nav-mobile {
  position: fixed;
  top: calc(var(--ticker-height) + var(--nav-height));
  left: 0;
  right: 0;
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-lg);
  padding: 2rem;
  display: none;
  flex-direction: column;
  gap: 1.25rem;
  z-index: 180;
  max-height: calc(100vh - 130px);
  overflow-y: auto;
}

.nav-mobile.open {
  display: flex;
}

.nav-mobile a {
  font-size: 0.95rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-navy);
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--color-border);
}

.nav-mobile a.active {
  color: var(--color-blue);
  font-weight: 600;
}

/* ── Hero Section (Light Theme Architectural) ── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding-top: calc(var(--ticker-height) + var(--nav-height));
  overflow: hidden;
  background-color: var(--color-bg);
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-image: 
    linear-gradient(to bottom, rgba(248, 250, 252, 0.68) 0%, rgba(248, 250, 252, 0.88) 75%, #F8FAFC 100%),
    url('../img/skyline.jpg');
  background-size: cover;
  background-position: center 25%;
  background-attachment: fixed;
  opacity: 0.98;
}

@media (max-width: 900px) {
  .hero-bg {
    background-attachment: scroll;
  }
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 760px;
  margin: 4rem 0 4rem;
}

.hero-content .eyebrow {
  letter-spacing: 0.28em;
  margin-bottom: 1.2rem;
}

.hero-content h1 {
  color: var(--color-navy);
  line-height: 1.1;
  margin-bottom: 1.5rem;
}

.hero-content h1 em {
  color: var(--color-blue);
}

.hero-divider {
  width: 44px;
  height: 2px;
  background: var(--color-teal);
  margin: 1.8rem 0;
}

.hero-content p {
  font-size: 1.1rem;
  color: var(--color-text-muted);
  max-width: 540px;
  line-height: 1.8;
  margin-bottom: 2.5rem;
}

.hero-actions {
  display: flex;
  gap: 1.2rem;
  flex-wrap: wrap;
}

/* ── Page Header Banner (Sub-pages) ── */
.page-header,
.services-hero,
.accounts-hero,
.intel-hero,
.contact-hero,
.prologue {
  position: relative;
  padding-top: calc(var(--ticker-height) + var(--nav-height) + 4rem);
  padding-bottom: 4rem;
  background-image: 
    linear-gradient(180deg, rgba(255, 255, 255, 0.88) 0%, rgba(248, 250, 252, 0.96) 100%),
    url('../img/skyline.jpg');
  background-size: cover;
  background-position: center 20%;
  border-bottom: 1px solid var(--color-border);
}

.page-header-content {
  max-width: 780px;
}

.page-header h1,
.services-hero h1,
.accounts-hero h1,
.intel-hero h1,
.contact-hero h1,
.prologue h1,
.hero-content h1 {
  font-family: var(--font-heading) !important;
  font-size: clamp(2.5rem, 5.2vw, 4.3rem);
  font-weight: 800 !important;
  letter-spacing: -0.038em !important;
  line-height: 1.1;
  color: var(--color-navy);
  margin-bottom: 1rem;
}

.page-header h1 em,
.services-hero h1 em,
.accounts-hero h1 em,
.intel-hero h1 em,
.contact-hero h1 em,
.prologue h1 em,
.hero-content h1 em {
  font-family: inherit !important;
  font-style: normal !important;
  font-weight: 800 !important;
  color: var(--color-blue) !important;
}

.page-header p {
  font-size: 1.15rem;
  color: var(--color-text-muted);
  max-width: 620px;
  line-height: 1.8;
}

/* ── Infrastructure Bar ── */
.infrastructure-bar {
  background: var(--color-navy);
  border-top: 1px solid rgba(255,255,255,0.06);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  padding: 1.6rem 0;
  overflow: hidden;
}

.presence-label {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  font-size: 0.62rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  font-weight: 600;
  margin-bottom: 1.2rem;
}

.presence-pulse {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--color-teal);
  box-shadow: 0 0 8px var(--color-teal);
  animation: presencePulse 2s ease-in-out infinite;
}

@keyframes presencePulse {
  0%, 100% { opacity: 1; box-shadow: 0 0 6px var(--color-teal); }
  50% { opacity: 0.4; box-shadow: 0 0 14px var(--color-teal); }
}

.infra-flex {
  display: flex;
  justify-content: center;
  align-items: stretch;
  gap: 0;
  flex-wrap: wrap;
}

.office-hub {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.45rem;
  padding: 0.8rem 2.2rem;
  position: relative;
  opacity: 0;
  transform: translateY(8px);
  animation: hubReveal 0.5s ease forwards;
}

.office-hub:nth-child(1) { animation-delay: 0.1s; }
.office-hub:nth-child(2) { animation-delay: 0.25s; }
.office-hub:nth-child(3) { animation-delay: 0.4s; }
.office-hub:nth-child(4) { animation-delay: 0.55s; }
.office-hub:nth-child(5) { animation-delay: 0.7s; }

@keyframes hubReveal {
  to { opacity: 1; transform: translateY(0); }
}

/* Vertical divider between hubs */
.office-hub + .office-hub::before {
  content: '';
  position: absolute;
  left: 0;
  top: 20%;
  height: 60%;
  width: 1px;
  background: rgba(255,255,255,0.1);
}

.hub-status {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  flex-shrink: 0;
  transition: background 0.4s ease, box-shadow 0.4s ease;
}

.hub-status.open {
  background: var(--color-teal);
  box-shadow: 0 0 8px rgba(22, 184, 166, 0.5);
}

.hub-status.closed {
  background: rgba(255,255,255,0.2);
  box-shadow: none;
}

.hub-city {
  font-size: 0.72rem;
  letter-spacing: 0.28em;
  font-weight: 600;
  color: #FFFFFF;
  text-transform: uppercase;
}

.hub-time {
  font-size: 0.68rem;
  letter-spacing: 0.06em;
  font-weight: 400;
  color: rgba(255,255,255,0.5);
  font-variant-numeric: tabular-nums;
  font-family: var(--font-sans);
  transition: color 0.3s ease;
}

.office-hub:hover .hub-time {
  color: var(--color-teal);
}

.office-hub:hover .hub-city {
  color: var(--color-teal);
  transition: color 0.3s ease;
}

@media (max-width: 700px) {
  .office-hub {
    padding: 0.6rem 1.2rem;
  }
  .office-hub + .office-hub::before {
    display: none;
  }
  .infra-flex {
    gap: 0.5rem;
    justify-content: center;
  }
}

/* ── Cards & Grid Layouts ── */
.pillars-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 2.5rem;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  position: relative;
  display: flex;
  flex-direction: column;
}

.card:hover {
  transform: translateY(-4px);
  border-color: rgba(36, 107, 253, 0.4);
  box-shadow: var(--shadow-hover);
}

.card-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 54px;
  height: 54px;
  border-radius: var(--radius-sm);
  background: var(--color-blue-faint);
  color: var(--color-blue);
  margin-bottom: 1.5rem;
  border: 1px solid rgba(36, 107, 253, 0.18);
  transition: var(--transition);
}

.card:hover .card-icon {
  background: var(--color-blue);
  color: var(--color-white);
  border-color: var(--color-blue);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(36, 107, 253, 0.25);
}

.fin-icon-wrap {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: var(--color-teal-faint);
  color: var(--color-teal);
  border: 1px solid rgba(22, 184, 166, 0.2);
  margin-bottom: 1rem;
}

.tier-check-icon {
  width: 15px;
  height: 15px;
  color: var(--color-teal);
  flex-shrink: 0;
  margin-top: 2px;
}

.matrix-check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--color-teal);
  width: 18px;
  height: 18px;
}

.matrix-dash {
  color: var(--color-text-faint);
  font-weight: 300;
  font-size: 1.1rem;
}

/* Contact Item Icons */
.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 1.1rem;
  margin-bottom: 1.8rem;
}

.contact-icon-wrap {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: var(--color-blue-faint);
  color: var(--color-blue);
  border: 1px solid rgba(36, 107, 253, 0.2);
  flex-shrink: 0;
  transition: var(--transition);
}

.contact-item:hover .contact-icon-wrap {
  background: var(--color-blue);
  color: var(--color-white);
  border-color: var(--color-blue);
  box-shadow: 0 4px 14px rgba(36, 107, 253, 0.25);
  transform: translateY(-2px);
}

.contact-item-content h4 {
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-navy);
  margin-bottom: 0.3rem;
}

.contact-item-content p {
  font-size: 0.95rem;
  color: var(--color-text-muted);
  line-height: 1.55;
  margin: 0;
}

/* Process Step Institutional Badges */
.process-step-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1.25rem;
}

.process-step-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: var(--radius-sm);
  background: var(--color-teal-faint);
  color: var(--color-teal);
  border: 1px solid rgba(22, 184, 166, 0.25);
  transition: var(--transition);
}

.process-step:hover .process-step-icon {
  background: var(--color-teal);
  color: var(--color-white);
  border-color: var(--color-teal);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(22, 184, 166, 0.25);
}

.card h3 {
  margin-bottom: 0.75rem;
  color: var(--color-navy);
}

.card p {
  font-size: 0.95rem;
  color: var(--color-text-muted);
  margin-bottom: 1.5rem;
  flex-grow: 1;
}

.card-footer {
  margin-top: auto;
}

/* ── Philosophy Strip (High Contrast Navy Statement) ── */
.philosophy-strip {
  background: linear-gradient(135deg, var(--color-navy) 0%, #0d274c 100%);
  color: var(--color-white);
  padding: 6rem 0;
  position: relative;
  overflow: hidden;
}

.philosophy-strip::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(36, 107, 253, 0.15) 0%, transparent 70%);
  pointer-events: none;
}

.philosophy-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 5rem;
  align-items: center;
  position: relative;
  z-index: 2;
}

.philosophy-inner blockquote {
  font-family: var(--font-heading);
  font-weight: 700;
  letter-spacing: -0.025em;
  font-size: clamp(1.4rem, 2.8vw, 2.1rem);
  color: #F8FAFC;
  line-height: 1.4;
  font-style: normal;
  border-left: 3px solid var(--color-teal);
  padding-left: 2rem;
}

.philosophy-inner blockquote cite {
  display: block;
  font-size: 0.8rem;
  font-style: normal;
  font-family: var(--font-sans);
  color: var(--color-teal);
  letter-spacing: 0.15em;
  text-transform: uppercase;
  margin-top: 1.4rem;
  font-weight: 500;
}

.philosophy-inner h2 {
  color: var(--color-white);
  margin-bottom: 1rem;
}

.philosophy-inner p {
  color: #CBD5E1;
  font-size: 1.05rem;
  line-height: 1.8;
  margin-bottom: 2rem;
}

.philosophy-inner .btn-outline {
  border-color: rgba(255, 255, 255, 0.4);
  color: var(--color-white);
}

.philosophy-inner .btn-outline:hover {
  border-color: var(--color-teal);
  color: var(--color-teal);
  background: rgba(22, 184, 166, 0.08);
}

/* ── CTA Band ── */
.cta-band {
  background: var(--color-surface);
  border-top: 1px solid var(--color-border);
  padding: 6rem 0;
  text-align: center;
}

.cta-band h2 {
  color: var(--color-navy);
  margin-bottom: 1rem;
}

.cta-band p {
  max-width: 540px;
  margin: 0 auto 2.5rem;
  font-size: 1.05rem;
}

.cta-band .btn-group {
  display: flex;
  justify-content: center;
  gap: 1.2rem;
  flex-wrap: wrap;
}

/* ── Tiers / Accounts Section ── */
.tiers-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 3rem;
}

.tier-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 2.5rem;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  position: relative;
}

.tier-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
  border-color: var(--color-blue);
}

.tier-card.featured {
  border-color: var(--color-blue);
  box-shadow: 0 8px 28px -4px rgba(36, 107, 253, 0.16);
}

.tier-badge {
  position: absolute;
  top: 1.5rem;
  right: 1.5rem;
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 0.25rem 0.65rem;
  border-radius: 50px;
  background: var(--color-blue-faint);
  color: var(--color-blue);
  border: 1px solid rgba(36, 107, 253, 0.2);
}

.tier-name {
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--color-navy);
  margin-bottom: 0.5rem;
}

.tier-min {
  font-size: 0.85rem;
  color: var(--color-teal);
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.tier-features {
  margin: 1.5rem 0 2.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  flex-grow: 1;
}

.tier-features li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.9rem;
  color: var(--color-text-muted);
}

.tier-features li .check {
  color: var(--color-teal);
  font-weight: bold;
  line-height: 1.4;
}

/* ── Comparison Table Matrix ── */
.table-responsive {
  width: 100%;
  overflow-x: auto;
  margin-top: 3rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
}

.matrix-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  min-width: 800px;
}

.matrix-table th, .matrix-table td {
  padding: 1.1rem 1.4rem;
  border-bottom: 1px solid var(--color-border);
  font-size: 0.88rem;
}

.matrix-table th {
  background: var(--color-surface-alt);
  color: var(--color-navy);
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.75rem;
}

.matrix-table tr:hover td {
  background: var(--color-blue-faint);
}

.matrix-table td.feature-title {
  font-weight: 500;
  color: var(--color-navy);
}

.matrix-table td.highlight {
  color: var(--color-blue);
  font-weight: 600;
}

/* ── Accordion (FAQ) ── */
.accordion {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 860px;
  margin: 3rem auto 0;
}

.accordion-item {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: var(--transition);
}

.accordion-item:hover {
  border-color: rgba(36, 107, 253, 0.4);
}

.accordion-header {
  padding: 1.3rem 1.8rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  user-select: none;
}

.accordion-header h4 {
  font-size: 1rem;
  text-transform: none;
  letter-spacing: normal;
  font-weight: 500;
  color: var(--color-navy);
}

.accordion-icon {
  font-size: 1.25rem;
  color: var(--color-blue);
  transition: transform 0.3s ease;
}

.accordion-item.active .accordion-icon {
  transform: rotate(45deg);
}

.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  padding: 0 1.8rem;
}

.accordion-item.active .accordion-body {
  max-height: 400px;
  padding: 0 1.8rem 1.5rem;
}

.accordion-body p {
  font-size: 0.95rem;
  line-height: 1.7;
}

/* ── Intel Filter & Cards ── */
.intel-filters {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}

.filter-btn {
  padding: 0.55rem 1.3rem;
  border-radius: var(--radius-xs);
  border: 1px solid var(--color-border);
  background: var(--color-surface);
  color: var(--color-navy);
  font-size: 0.74rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  cursor: pointer;
  transition: var(--transition);
}

.filter-btn:hover, .filter-btn.active {
  background: var(--color-blue);
  color: var(--color-white);
  border-color: var(--color-blue);
  box-shadow: 0 2px 8px rgba(36, 107, 253, 0.25);
}

.intel-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.intel-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 2.2rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: var(--transition);
}

.intel-card:hover {
  transform: translateY(-3px);
  border-color: var(--color-blue);
  box-shadow: var(--shadow-hover);
}

.intel-meta {
  display: flex;
  justify-content: space-between;
  font-size: 0.72rem;
  color: var(--color-teal);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}

.intel-card h3 {
  font-size: 1.25rem;
  margin-bottom: 1rem;
  color: var(--color-navy);
}

.intel-card p {
  font-size: 0.92rem;
  line-height: 1.65;
  margin-bottom: 1.5rem;
  flex-grow: 1;
}

/* ── Contact Form & Layout ── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4.5rem;
  align-items: flex-start;
}

.contact-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 3rem;
  box-shadow: var(--shadow-sm);
}

.form-group {
  margin-bottom: 1.6rem;
}

.form-group label {
  display: block;
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-navy);
  margin-bottom: 0.55rem;
}

.form-control {
  width: 100%;
  padding: 0.85rem 1.1rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xs);
  background: var(--color-surface);
  color: var(--color-navy);
  font-size: 0.95rem;
  transition: var(--transition);
}

.form-control:focus {
  outline: none;
  border-color: var(--color-blue);
  box-shadow: 0 0 0 3px rgba(36, 107, 253, 0.12);
}

.contact-info-list {
  display: flex;
  flex-direction: column;
  gap: 2.2rem;
  margin-top: 2rem;
}

.contact-info-item h4 {
  color: var(--color-navy);
  margin-bottom: 0.4rem;
}

.contact-info-item p, .contact-info-item a {
  color: var(--color-text-muted);
  font-size: 1rem;
  line-height: 1.6;
}

.contact-info-item a:hover {
  color: var(--color-blue);
}

/* ── Legal / Governance Content ── */
.legal-content {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 3.5rem;
  box-shadow: var(--shadow-sm);
  margin-top: 2rem;
}

.legal-content h2 {
  font-size: 1.6rem;
  font-weight: 500;
  color: var(--color-navy);
  margin: 2.5rem 0 1rem;
}

.legal-content h2:first-child {
  margin-top: 0;
}

.legal-content p {
  margin-bottom: 1.3rem;
  line-height: 1.8;
  font-size: 0.98rem;
}

.legal-content ul {
  list-style: disc;
  padding-left: 1.5rem;
  margin-bottom: 1.5rem;
  color: var(--color-text-muted);
}

.legal-content li {
  margin-bottom: 0.5rem;
}

/* ── Footer ── */
.footer {
  background: var(--color-surface);
  border-top: 1px solid var(--color-border);
  padding: 5rem 0 3rem;
  color: var(--color-text-muted);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1.3fr;
  gap: 3rem;
  margin-bottom: 4rem;
}

.footer-brand .brand-logo {
  height: 42px;
  width: auto;
  margin-bottom: 1.25rem;
}

.footer-brand p {
  font-size: 0.92rem;
  max-width: 320px;
  line-height: 1.7;
}

.footer-col h4 {
  color: var(--color-navy);
  margin-bottom: 1.4rem;
  font-size: 0.8rem;
  letter-spacing: 0.16em;
}

.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-col a {
  font-size: 0.88rem;
  color: var(--color-text-muted);
}

.footer-col a:hover {
  color: var(--color-blue);
  transform: translateX(2px);
  display: inline-block;
}

.footer-bottom {
  border-top: 1px solid var(--color-border);
  padding-top: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  font-size: 0.82rem;
  color: var(--color-text-subtle);
}

.footer-compliance {
  line-height: 1.65;
  color: var(--color-text-faint);
  font-size: 0.75rem;
}

/* ── Institutional Regulatory Disclosures & Compliance Callouts ── */
.compliance-callout {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-left: 3px solid var(--color-blue);
  border-radius: var(--radius-xs);
  padding: 1.25rem 1.6rem;
  margin: 2.5rem 0;
  font-size: 0.82rem;
  color: var(--color-text-muted);
  line-height: 1.65;
}

.compliance-callout strong {
  color: var(--color-navy);
  font-weight: 700;
  display: block;
  margin-bottom: 0.35rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.76rem;
}

.regulatory-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-navy);
  background: var(--color-surface-alt);
  padding: 0.4rem 0.9rem;
  border-radius: var(--radius-xs);
  border: 1px solid var(--color-border);
  margin-bottom: 1rem;
}

.regulatory-badge svg {
  color: var(--color-teal);
  flex-shrink: 0;
}

.footer-compliance-box {
  background: var(--color-surface-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 1.5rem 1.8rem;
  margin-top: 2rem;
  font-size: 0.74rem;
  color: var(--color-text-subtle);
  line-height: 1.7;
}

.footer-compliance-box strong {
  color: var(--color-navy);
  font-weight: 700;
}

/* ── Subtle Animations ── */
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: translateY(0); }
}

.fade-in {
  animation: fadeIn 0.6s ease forwards;
}

/* ── Responsive Rules ── */
@media (max-width: 1024px) {
  .pillars-grid, .tiers-grid, .intel-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 2.5rem;
  }
  .philosophy-inner {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
}

@media (max-width: 820px) {
  :root {
    --nav-height: 72px;
  }
  .nav-menu, .nav-actions .btn-nav {
    display: none;
  }
  .nav-hamburger {
    display: flex;
  }
  .pillars-grid, .tiers-grid, .intel-grid {
    grid-template-columns: 1fr;
  }
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
}