@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,500;0,600;0,700;1,400;1,500&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;1,9..40,300&display=swap');
:root {
  --clr-bg:        #F7F5F2;
  --clr-surface:   #FFFFFF;
  --clr-border:    #E2DDD8;
  --clr-muted:     #9A9187;
  --clr-body:      #3D3530;
  --clr-heading:   #1A1410;
  --clr-accent:    #2A5C45;
  --clr-accent-lt: #3B7A5E;
  --clr-accent-bg: #EAF2EE;
  --clr-gold:      #B5872A;
  --clr-gold-bg:   #FAF3E4;
  --clr-danger:    #B03A2E;
  --font-display:  'Playfair Display', Georgia, serif;
  --font-body:     'DM Sans', system-ui, sans-serif;
  --radius-sm:     4px;
  --radius-md:     8px;
  --radius-lg:     16px;
  --radius-xl:     24px;
  --shadow-sm:     0 1px 4px rgba(26,20,16,.06);
  --shadow-md:     0 4px 20px rgba(26,20,16,.09);
  --shadow-lg:     0 12px 48px rgba(26,20,16,.12);
  --trans:         0.25s ease;
  --max-w:         1200px;
  --nav-h:         72px;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  background: var(--clr-bg);
  color: var(--clr-body);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select { font-family: inherit; }
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  color: var(--clr-heading);
  line-height: 1.2;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); font-weight: 700; }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.6rem); font-weight: 600; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }
.lead { font-size: 1.15rem; line-height: 1.75; color: var(--clr-muted); font-weight: 300; }
.caption { font-size: .8rem; color: var(--clr-muted); letter-spacing: .03em; text-transform: uppercase; }
strong { font-weight: 600; }
em { font-style: italic; }
.container { width: 100%; max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section { padding: 96px 0; }
.section--sm { padding: 64px 0; }
.section--lg { padding: 120px 0; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 12px 28px; border-radius: var(--radius-md);
  font-family: var(--font-body); font-size: .9rem; font-weight: 500;
  transition: var(--trans); letter-spacing: .01em; white-space: nowrap;
}
.btn-primary {
  background: var(--clr-accent); color: #fff;
  box-shadow: 0 2px 8px rgba(42,92,69,.25);
}
.btn-primary:hover { background: var(--clr-accent-lt); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(42,92,69,.3); }
.btn-secondary { background: var(--clr-surface); color: var(--clr-heading); border: 1.5px solid var(--clr-border); }
.btn-secondary:hover { border-color: var(--clr-accent); color: var(--clr-accent); transform: translateY(-1px); }
.btn-ghost { color: var(--clr-accent); padding: 12px 4px; }
.btn-ghost:hover { color: var(--clr-accent-lt); }
.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn-sm { padding: 8px 18px; font-size: .82rem; }
.card {
  background: var(--clr-surface);
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--trans);
  box-shadow: var(--shadow-sm);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.card__body { padding: 28px; }
.card__img { width: 100%; height: 220px; object-fit: cover; }
.card__label {
  display: inline-block; padding: 4px 12px;
  background: var(--clr-accent-bg); color: var(--clr-accent);
  border-radius: 100px; font-size: .75rem; font-weight: 500;
  letter-spacing: .04em; text-transform: uppercase; margin-bottom: 12px;
}
.card__label--gold { background: var(--clr-gold-bg); color: var(--clr-gold); }
.badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 6px 14px; border-radius: 100px;
  font-size: .78rem; font-weight: 500; letter-spacing: .03em;
}
.badge-green { background: var(--clr-accent-bg); color: var(--clr-accent); }
.badge-gold { background: var(--clr-gold-bg); color: var(--clr-gold); }
.badge-neutral { background: #EDEBE8; color: var(--clr-muted); }
.divider { height: 1px; background: var(--clr-border); margin: 48px 0; }
.divider--sm { margin: 24px 0; }
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 900;
  height: var(--nav-h);
  background: rgba(247,245,242,.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--clr-border);
  transition: box-shadow var(--trans);
}
.site-header.scrolled { box-shadow: var(--shadow-md); }
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 100%;
}
.site-logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.site-logo__img { width: 36px; height: 36px; border-radius: var(--radius-sm); object-fit: cover; }
.site-logo__name {
  font-family: var(--font-display);
  font-size: 1.35rem; font-weight: 700;
  color: var(--clr-heading); letter-spacing: -.02em;
}
.site-logo__name span { color: var(--clr-accent); }
.site-nav { display: flex; align-items: center; gap: 4px; }
.nav-link {
  padding: 8px 14px; border-radius: var(--radius-sm);
  font-size: .88rem; font-weight: 400; color: var(--clr-body);
  transition: var(--trans); white-space: nowrap;
}
.nav-link:hover, .nav-link.active { color: var(--clr-accent); background: var(--clr-accent-bg); }
.nav-cta { margin-left: 8px; }
.hamburger {
  display: none; flex-direction: column; gap: 5px;
  width: 32px; height: 32px; align-items: center; justify-content: center;
  border-radius: var(--radius-sm); padding: 6px;
}
.hamburger span {
  display: block; width: 20px; height: 2px;
  background: var(--clr-heading); border-radius: 2px;
  transition: var(--trans); transform-origin: center;
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }
.mobile-menu {
  display: none; position: fixed;
  top: var(--nav-h); left: 0; right: 0; bottom: 0;
  background: var(--clr-bg); z-index: 850;
  flex-direction: column; padding: 32px 24px;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform .3s ease;
}
.mobile-menu.open { transform: translateX(0); }
.mobile-menu.active { display: flex; }
.mobile-nav-link {
  display: block; padding: 14px 0;
  font-size: 1.1rem; font-weight: 400;
  border-bottom: 1px solid var(--clr-border);
  color: var(--clr-body); transition: color var(--trans);
}
.mobile-nav-link:hover { color: var(--clr-accent); }
.mobile-menu .btn { margin-top: 28px; width: 100%; justify-content: center; }
.header-spacer { height: var(--nav-h); }
.hero {
  position: relative; overflow: hidden;
  background: var(--clr-heading);
  padding: 100px 0 80px;
  min-height: calc(100vh - var(--nav-h));
  display: flex; align-items: center;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url('https://images.unsplash.com/photo-1611974789855-9c2a0a7236a3?w=1600&auto=format&fit=crop') center/cover no-repeat;
  opacity: .18;
}
.hero::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(26,20,16,.85) 0%, rgba(42,92,69,.4) 100%);
}
.hero__inner {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center;
}
.hero__content { color: #fff; }
.hero__eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .78rem; font-weight: 500; letter-spacing: .08em; text-transform: uppercase;
  color: rgba(255,255,255,.6); margin-bottom: 20px;
}
.hero__eyebrow::before { content: ''; width: 24px; height: 1px; background: var(--clr-accent-lt); }
.hero__title { color: #fff; margin-bottom: 24px; }
.hero__title em { color: #A8D5BC; font-style: italic; }
.hero__desc { font-size: 1.05rem; color: rgba(255,255,255,.72); margin-bottom: 36px; line-height: 1.75; }
.hero__actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero__stats {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 1px; background: rgba(255,255,255,.12);
  border-radius: var(--radius-lg); overflow: hidden; margin-top: 48px;
}
.hero__stat {
  background: rgba(255,255,255,.06); padding: 20px 16px; text-align: center;
  backdrop-filter: blur(4px);
}
.hero__stat-num { font-family: var(--font-display); font-size: 1.8rem; font-weight: 700; color: #fff; line-height: 1; }
.hero__stat-label { font-size: .75rem; color: rgba(255,255,255,.55); margin-top: 4px; letter-spacing: .02em; }
.hero__visual { position: relative; }
.hero__img-wrap {
  border-radius: var(--radius-xl); overflow: hidden;
  box-shadow: 0 32px 80px rgba(0,0,0,.4);
  aspect-ratio: 4/3;
}
.hero__img-wrap img { width: 100%; height: 100%; object-fit: cover; }
.hero__card-float {
  position: absolute; bottom: -20px; left: -24px;
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(8px);
  border-radius: var(--radius-md);
  padding: 16px 20px;
  box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 14px;
}
.hero__card-icon {
  width: 42px; height: 42px; background: var(--clr-accent-bg);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--clr-accent); flex-shrink: 0;
}
.hero__card-num { font-family: var(--font-display); font-size: 1.4rem; font-weight: 700; color: var(--clr-heading); line-height: 1; }
.hero__card-sub { font-size: .72rem; color: var(--clr-muted); }
.section-header { margin-bottom: 56px; }
.section-header--center { text-align: center; max-width: 640px; margin: 0 auto 56px; }
.section-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .75rem; font-weight: 500; letter-spacing: .1em; text-transform: uppercase;
  color: var(--clr-accent); margin-bottom: 12px;
}
.section-eyebrow::before { content: ''; width: 20px; height: 1px; background: currentColor; }
.section-title { margin-bottom: 16px; }
.section-desc { color: var(--clr-muted); font-size: 1.05rem; }
.topics-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.topic-card {
  background: var(--clr-surface);
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: var(--trans);
  position: relative; overflow: hidden;
}
.topic-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--clr-accent); transform: scaleX(0); transform-origin: left;
  transition: transform .3s ease;
}
.topic-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.topic-card:hover::before { transform: scaleX(1); }
.topic-icon {
  width: 52px; height: 52px; background: var(--clr-accent-bg);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  color: var(--clr-accent); margin-bottom: 20px;
}
.topic-card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.topic-card p { font-size: .9rem; color: var(--clr-muted); }
.topic-link {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: .85rem; font-weight: 500; color: var(--clr-accent);
  margin-top: 16px; transition: gap var(--trans);
}
.topic-link:hover { gap: 10px; }
.photo-band { overflow: hidden; border-radius: var(--radius-xl); }
.photo-band img { width: 100%; height: 480px; object-fit: cover; }
.split-section { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split-section--reverse .split-img { order: -1; }
.split-img { border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-lg); }
.split-img img { width: 100%; height: 440px; object-fit: cover; }
.split-content { padding: 16px 0; }
.checklist { display: flex; flex-direction: column; gap: 14px; margin: 24px 0; }
.checklist li {
  display: flex; align-items: flex-start; gap: 12px;
  font-size: .92rem;
}
.checklist li i { color: var(--clr-accent); flex-shrink: 0; margin-top: 2px; }
.stats-band {
  background: var(--clr-heading);
  color: #fff; padding: 64px 0;
}
.stats-band__grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 1px; background: rgba(255,255,255,.1); }
.stats-band__item { padding: 32px 24px; text-align: center; background: var(--clr-heading); }
.stats-band__num {
  font-family: var(--font-display); font-size: 2.6rem; font-weight: 700;
  color: #A8D5BC; line-height: 1; margin-bottom: 8px;
}
.stats-band__label { font-size: .85rem; color: rgba(255,255,255,.55); }
.accordion { border: 1px solid var(--clr-border); border-radius: var(--radius-lg); overflow: hidden; }
.accordion-item { border-bottom: 1px solid var(--clr-border); }
.accordion-item:last-child { border-bottom: none; }
.accordion-header {
  display: flex; justify-content: space-between; align-items: center;
  padding: 20px 24px; cursor: pointer; background: var(--clr-surface);
  transition: background var(--trans);
}
.accordion-header:hover { background: var(--clr-accent-bg); }
.accordion-header h4 { font-size: .95rem; font-weight: 500; font-family: var(--font-body); color: var(--clr-heading); }
.accordion-icon { color: var(--clr-accent); transition: transform var(--trans); flex-shrink: 0; }
.accordion-item.open .accordion-icon { transform: rotate(180deg); }
.accordion-body { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.accordion-body-inner { padding: 0 24px 20px; font-size: .9rem; color: var(--clr-muted); line-height: 1.7; }
.table-wrap { overflow-x: auto; border-radius: var(--radius-lg); border: 1px solid var(--clr-border); }
table { width: 100%; border-collapse: collapse; background: var(--clr-surface); }
thead { background: var(--clr-heading); color: #fff; }
thead th { padding: 14px 20px; font-size: .82rem; font-weight: 500; letter-spacing: .04em; text-align: left; }
tbody tr { border-bottom: 1px solid var(--clr-border); transition: background var(--trans); }
tbody tr:last-child { border-bottom: none; }
tbody tr:hover { background: var(--clr-bg); }
tbody td { padding: 14px 20px; font-size: .9rem; }
tbody td:first-child { font-weight: 500; color: var(--clr-heading); }
.allocation-chart {
  background: var(--clr-surface);
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg); padding: 32px;
}
.allocation-bar { margin-bottom: 16px; }
.allocation-bar__header { display: flex; justify-content: space-between; font-size: .88rem; margin-bottom: 6px; }
.allocation-bar__label { font-weight: 500; color: var(--clr-heading); }
.allocation-bar__pct { color: var(--clr-accent); font-weight: 600; }
.allocation-bar__track { height: 8px; background: var(--clr-bg); border-radius: 100px; overflow: hidden; }
.allocation-bar__fill { height: 100%; border-radius: 100px; background: var(--clr-accent); transition: width 1.2s ease; }
.allocation-bar__fill--gold { background: var(--clr-gold); }
.allocation-bar__fill--slate { background: #7B8FA1; }
.allocation-bar__fill--muted { background: var(--clr-muted); }

.risk-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.risk-card {
  background: var(--clr-surface); border: 1.5px solid var(--clr-border);
  border-radius: var(--radius-lg); padding: 24px; text-align: center;
  transition: var(--trans); cursor: default;
}
.risk-card:hover { border-color: var(--clr-accent); box-shadow: var(--shadow-md); }
.risk-card__level {
  font-family: var(--font-display); font-size: 1.05rem; font-weight: 600;
  margin: 12px 0 8px;
}
.risk-card__desc { font-size: .82rem; color: var(--clr-muted); }
.risk-dot {
  width: 14px; height: 14px; border-radius: 50%;
  display: inline-block; margin: 0 3px;
}
.risk-dot--filled { background: var(--clr-accent); }
.risk-dot--empty { background: var(--clr-border); }
.div-card {
  background: var(--clr-surface); border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg); padding: 28px;
  display: flex; flex-direction: column; gap: 16px;
  transition: var(--trans);
}
.div-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.div-card__header { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; }
.div-card__icon {
  width: 48px; height: 48px; border-radius: var(--radius-md);
  background: var(--clr-gold-bg);
  display: flex; align-items: center; justify-content: center;
  color: var(--clr-gold); flex-shrink: 0;
}
.div-card h3 { font-size: 1.05rem; }
.div-card p { font-size: .88rem; color: var(--clr-muted); }
.div-metric {
  display: flex; justify-content: space-between; align-items: center;
  padding: 10px 14px; background: var(--clr-bg); border-radius: var(--radius-sm);
  font-size: .85rem;
}
.div-metric__label { color: var(--clr-muted); }
.div-metric__val { font-weight: 600; color: var(--clr-accent); }

.cashflow-timeline { display: flex; flex-direction: column; gap: 0; }
.cashflow-item {
  display: flex; align-items: stretch; gap: 0;
}
.cashflow-item__left {
  display: flex; flex-direction: column; align-items: center;
  flex-shrink: 0; width: 40px;
}
.cashflow-item__dot {
  width: 14px; height: 14px; border-radius: 50%;
  background: var(--clr-accent); border: 2px solid var(--clr-bg);
  box-shadow: 0 0 0 2px var(--clr-accent); flex-shrink: 0; margin-top: 4px;
}
.cashflow-item__line {
  width: 2px; background: var(--clr-border); flex: 1;
  margin: 4px 0;
}
.cashflow-item:last-child .cashflow-item__line { display: none; }
.cashflow-item__content {
  padding: 0 0 32px 16px; flex: 1;
}
.cashflow-item__content h4 { font-size: .95rem; margin-bottom: 4px; }
.cashflow-item__content p { font-size: .85rem; color: var(--clr-muted); }
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 56px; align-items: start; }
.contact-info-card {
  background: var(--clr-heading); color: #fff;
  border-radius: var(--radius-xl); padding: 40px; overflow: hidden;
  position: relative;
}
.contact-info-card::before {
  content: '';
  position: absolute; top: -60px; right: -60px;
  width: 200px; height: 200px; border-radius: 50%;
  background: rgba(42,92,69,.3);
}
.contact-info-card h3 { color: #fff; margin-bottom: 12px; }
.contact-info-card p { color: rgba(255,255,255,.65); font-size: .92rem; }
.contact-detail {
  display: flex; align-items: center; gap: 14px;
  padding: 16px 0; border-bottom: 1px solid rgba(255,255,255,.1);
}
.contact-detail:last-child { border-bottom: none; }
.contact-detail__icon {
  width: 40px; height: 40px; background: rgba(255,255,255,.1);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: #A8D5BC; flex-shrink: 0;
}
.contact-detail__label { font-size: .75rem; color: rgba(255,255,255,.45); letter-spacing: .04em; text-transform: uppercase; }
.contact-detail__val { font-size: .92rem; color: #fff; margin-top: 2px; }
.contact-form { display: flex; flex-direction: column; gap: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-label { font-size: .82rem; font-weight: 500; color: var(--clr-heading); letter-spacing: .02em; }
.form-input, .form-select, .form-textarea {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--clr-border); border-radius: var(--radius-md);
  background: var(--clr-surface); color: var(--clr-body);
  font-size: .9rem; transition: border-color var(--trans), box-shadow var(--trans);
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none; border-color: var(--clr-accent);
  box-shadow: 0 0 0 3px rgba(42,92,69,.1);
}
.form-textarea { resize: vertical; min-height: 130px; }
.form-note { font-size: .78rem; color: var(--clr-muted); }
.about-hero {
  background: linear-gradient(135deg, var(--clr-heading) 0%, #2A3B30 100%);
  padding: 80px 0;
}
.about-hero h1 { color: #fff; margin-bottom: 16px; }
.about-hero p { color: rgba(255,255,255,.65); max-width: 600px; }
.team-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.team-card {
  background: var(--clr-surface); border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg); overflow: hidden;
  transition: var(--trans); text-align: center;
}
.team-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.team-card__img { width: 100%; height: 240px; object-fit: cover; object-position: top; }
.team-card__body { padding: 20px; }
.team-card__name { font-family: var(--font-display); font-size: 1.05rem; font-weight: 600; margin-bottom: 4px; }
.team-card__role { font-size: .82rem; color: var(--clr-accent); font-weight: 500; letter-spacing: .03em; }
.team-card__bio { font-size: .85rem; color: var(--clr-muted); margin-top: 10px; line-height: 1.6; }
.values-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 24px; }
.value-item {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--clr-surface); border: 1px solid var(--clr-border);
  border-radius: var(--radius-lg); padding: 24px; transition: var(--trans);
}
.value-item:hover { box-shadow: var(--shadow-md); }
.value-icon {
  width: 46px; height: 46px; background: var(--clr-accent-bg);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--clr-accent); flex-shrink: 0;
}
.value-item h4 { margin-bottom: 6px; font-size: .95rem; }
.value-item p { font-size: .85rem; color: var(--clr-muted); }
.legal-hero { background: var(--clr-heading); padding: 72px 0; }
.legal-hero h1 { color: #fff; margin-bottom: 10px; }
.legal-hero p { color: rgba(255,255,255,.55); font-size: .9rem; }
.legal-content { max-width: 760px; margin: 0 auto; }
.legal-content h2 { font-size: 1.4rem; margin: 40px 0 14px; color: var(--clr-heading); }
.legal-content h3 { font-size: 1.1rem; margin: 28px 0 10px; }
.legal-content p { font-size: .92rem; color: var(--clr-body); margin-bottom: .8rem; }
.legal-content ul { margin: 12px 0 16px 20px; }
.legal-content ul li { font-size: .92rem; color: var(--clr-body); margin-bottom: 6px; list-style: disc; }
.legal-content a { color: var(--clr-accent); text-decoration: underline; }
.legal-alert {
  background: var(--clr-gold-bg); border-left: 3px solid var(--clr-gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 16px 20px; margin: 24px 0; font-size: .9rem;
}
.site-footer {
  background: var(--clr-heading); color: rgba(255,255,255,.7);
  padding: 72px 0 0;
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 56px; }
.footer-brand .site-logo__name { color: #fff; }
.footer-brand p { font-size: .85rem; color: rgba(255,255,255,.5); margin-top: 14px; max-width: 280px; }
.footer-col h5 {
  font-family: var(--font-body); font-size: .75rem; font-weight: 600;
  letter-spacing: .1em; text-transform: uppercase;
  color: rgba(255,255,255,.4); margin-bottom: 16px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a {
  font-size: .85rem; color: rgba(255,255,255,.6);
  transition: color var(--trans);
}
.footer-col ul li a:hover { color: #A8D5BC; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 20px 0;
  display: flex; justify-content: space-between; align-items: center;
  gap: 16px; flex-wrap: wrap;
}
.footer-bottom p { font-size: .8rem; color: rgba(255,255,255,.35); }
.footer-disclaimer { font-size: .75rem; color: rgba(255,255,255,.3); max-width: 640px; }
.cookie-banner {
  position: fixed; bottom: 24px; left: 50%; transform: translateX(-50%);
  width: calc(100% - 48px); max-width: 720px; z-index: 9999;
  background: var(--clr-heading); color: #fff;
  border-radius: var(--radius-xl); padding: 24px 28px;
  box-shadow: 0 20px 60px rgba(0,0,0,.4);
  display: flex; align-items: center; gap: 20px; flex-wrap: wrap;
  transition: transform .4s ease, opacity .4s ease;
}
.cookie-banner.hidden { transform: translateX(-50%) translateY(120%); opacity: 0; pointer-events: none; }
.cookie-banner__icon { color: #A8D5BC; flex-shrink: 0; }
.cookie-banner__text { flex: 1; min-width: 200px; }
.cookie-banner__text p { font-size: .85rem; color: rgba(255,255,255,.75); margin: 0; line-height: 1.6; }
.cookie-banner__text a { color: #A8D5BC; text-decoration: underline; }
.cookie-banner__actions { display: flex; gap: 10px; flex-shrink: 0; flex-wrap: wrap; }
.cookie-accept { background: var(--clr-accent); color: #fff; padding: 9px 22px; border-radius: var(--radius-md); font-size: .85rem; font-weight: 500; transition: var(--trans); }
.cookie-accept:hover { background: var(--clr-accent-lt); }
.cookie-decline { background: transparent; color: rgba(255,255,255,.6); border: 1px solid rgba(255,255,255,.2); padding: 9px 18px; border-radius: var(--radius-md); font-size: .85rem; transition: var(--trans); }
.cookie-decline:hover { border-color: rgba(255,255,255,.5); color: #fff; }
.text-center { text-align: center; }
.text-accent { color: var(--clr-accent); }
.text-muted { color: var(--clr-muted); }
.mb-0 { margin-bottom: 0 !important; }
.mb-2 { margin-bottom: .5rem; }
.mb-4 { margin-bottom: 1rem; }
.mb-8 { margin-bottom: 2rem; }
.mt-8 { margin-top: 2rem; }
.mt-12 { margin-top: 3rem; }
.d-flex { display: flex; }
.align-center { align-items: center; }
.gap-2 { gap: .5rem; }
.gap-4 { gap: 1rem; }
.bg-surface { background: var(--clr-surface); }
.bg-accent { background: var(--clr-accent-bg); }
.fade-up {
  opacity: 0; transform: translateY(30px);
  transition: opacity .6s ease, transform .6s ease;
}
.fade-up.visible { opacity: 1; transform: translateY(0); }
.fade-up-delay-1 { transition-delay: .1s; }
.fade-up-delay-2 { transition-delay: .2s; }
.fade-up-delay-3 { transition-delay: .3s; }
.page-hero {
  background: linear-gradient(135deg, var(--clr-heading) 0%, #1E3028 100%);
  padding: 80px 0 72px; position: relative; overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute; bottom: -1px; left: 0; right: 0; height: 60px;
  background: var(--clr-bg);
  clip-path: ellipse(55% 100% at 50% 100%);
}
.page-hero h1 { color: #fff; margin-bottom: 14px; }
.page-hero .lead { color: rgba(255,255,255,.65); max-width: 640px; }
.page-hero .badge { background: rgba(255,255,255,.1); color: rgba(255,255,255,.7); margin-bottom: 16px; }
.breadcrumb {
  display: flex; align-items: center; gap: 8px;
  font-size: .8rem; color: rgba(255,255,255,.4); margin-bottom: 20px;
}
.breadcrumb a { color: rgba(255,255,255,.4); transition: color var(--trans); }
.breadcrumb a:hover { color: rgba(255,255,255,.8); }
.breadcrumb span { color: rgba(255,255,255,.65); }
.info-strip {
  background: var(--clr-gold-bg); border: 1px solid #E6C878;
  border-radius: var(--radius-md); padding: 14px 20px;
  display: flex; align-items: center; gap: 12px;
  font-size: .85rem; color: var(--clr-body);
}
.info-strip i { color: var(--clr-gold); flex-shrink: 0; }
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .topics-grid { grid-template-columns: repeat(2,1fr); }
  .hero__inner { gap: 40px; }
  .hero__card-float { left: 0; }
}

@media (max-width: 768px) {
  :root { --nav-h: 64px; }
  .section { padding: 64px 0; }
  .section--lg { padding: 80px 0; }
  .site-nav, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .mobile-menu.active { display: flex; }
  .hero__inner { grid-template-columns: 1fr; gap: 48px; }
  .hero__visual { display: none; }
  .hero__stats { grid-template-columns: repeat(3,1fr); }
  .topics-grid { grid-template-columns: 1fr; }
  .split-section { grid-template-columns: 1fr; gap: 36px; }
  .split-section--reverse .split-img { order: unset; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: repeat(2,1fr); }
  .values-grid { grid-template-columns: 1fr; }
  .risk-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .stats-band__grid { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .cookie-banner { bottom: 12px; padding: 18px 20px; border-radius: var(--radius-lg); }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }
  .hero { padding: 60px 0 60px; min-height: auto; }
}

@media (max-width: 480px) {
  .hero__stats { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .stats-band__grid { grid-template-columns: 1fr; }
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: 100%; justify-content: center; }
  .cookie-banner__actions { width: 100%; }
  .cookie-accept, .cookie-decline { flex: 1; text-align: center; }
}