/* ============================================================
   N T S and Co. — style.css
   ============================================================ */

:root {
  --bg: #F6F4EE;
  --bgc: #FFFFFF;
  --bgx: #ECEAE3;
  --nv: #12294A;
  --nvl: #1C3F70;
  --ink: #17171A;
  --i2: #4A4845;
  --i3: #8A8885;
  --gd: #B8903A;
  --gdl: #D4A84B;
  --bd: rgba(18,41,74,.1);
  --bdm: rgba(18,41,74,.2);
  --r: 4px;
  --rl: 10px;
  --sh: 0 4px 28px rgba(18,41,74,.09);
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: 'DM Sans', sans-serif; background: var(--bg); color: var(--ink); font-size: 15px; line-height: 1.65; -webkit-font-smoothing: antialiased; }
::-webkit-scrollbar { width: 4px; }
::-webkit-scrollbar-track { background: var(--bg); }
::-webkit-scrollbar-thumb { background: var(--nv); border-radius: 2px; }

/* ── NAV ── */
nav { position: sticky; top: 0; z-index: 300; background: rgba(246,244,238,.97); -webkit-backdrop-filter: blur(20px); backdrop-filter: blur(20px); border-bottom: .5px solid var(--bd); display: flex; align-items: center; justify-content: space-between; padding: 0 52px; height: 64px; transition: box-shadow .3s; }
nav.sc { box-shadow: 0 2px 24px rgba(18,41,74,.08); }
.logo { cursor: pointer; display: flex; align-items: center; gap: 12px; border: none; background: none; text-align: left; }
.logo img { width: 44px; height: 44px; object-fit: contain; flex-shrink: 0; }
.ln { font-family: 'Cormorant Garamond', serif; font-size: 18px; font-weight: 600; letter-spacing: .18em; color: var(--nv); text-transform: uppercase; line-height: 1.15; }
.ls { font-size: 9px; letter-spacing: .18em; text-transform: uppercase; color: var(--i3); }
.nl { display: flex; align-items: center; gap: 26px; }
.nl a { font-size: 11.5px; letter-spacing: .07em; text-transform: uppercase; text-decoration: none; color: var(--i2); cursor: pointer; transition: color .2s; border: none; background: none; position: relative; padding-bottom: 2px; font-family: 'DM Sans', sans-serif; }
.nl a::after { content: ''; position: absolute; bottom: 0; left: 0; width: 0; height: 1px; background: var(--gd); transition: width .25s; }
.nl a:hover::after, .nl a.active::after { width: 100%; }
.nl a:hover, .nl a.active { color: var(--nv); }
.nct { font-size: 11px; letter-spacing: .08em; text-transform: uppercase; padding: 9px 20px; border: 1.5px solid var(--nv); border-radius: var(--r); background: transparent; color: var(--nv); cursor: pointer; transition: all .25s; font-family: 'DM Sans', sans-serif; white-space: nowrap; }
.nct:hover { background: var(--nv); color: white; }
.ham { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; border: none; background: none; }
.ham span { display: block; width: 22px; height: 1.5px; background: var(--nv); transition: all .3s; }
.mmenu { display: none; position: fixed; inset: 64px 0 0; background: var(--bg); z-index: 250; padding: 32px 28px; flex-direction: column; gap: 8px; border-top: .5px solid var(--bd); overflow-y: auto; }
.mmenu.open { display: flex; }
.mmenu a { font-size: 16px; font-weight: 500; padding: 14px 0; border-bottom: .5px solid var(--bd); color: var(--ink); text-decoration: none; cursor: pointer; background: none; border-top: none; border-left: none; border-right: none; text-align: left; font-family: 'DM Sans', sans-serif; }

/* ── TICKER ── */
.ticker { background: var(--nv); color: white; font-size: 11.5px; letter-spacing: .05em; padding: 9px 0; overflow: hidden; }
.tki { display: flex; gap: 80px; animation: tick 32s linear infinite; white-space: nowrap; }
.tki:hover { animation-play-state: paused; }
@keyframes tick { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }
.tki-item { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.tki-dot { width: 4px; height: 4px; background: var(--gd); border-radius: 50%; }

/* ── TYPOGRAPHY ── */
.dxl { font-family: 'Cormorant Garamond', serif; font-size: clamp(34px,5vw,58px); font-weight: 500; line-height: 1.1; letter-spacing: -.02em; }
.dlg { font-family: 'Cormorant Garamond', serif; font-size: clamp(26px,4vw,42px); font-weight: 500; line-height: 1.18; letter-spacing: -.015em; }
.dmd { font-family: 'Cormorant Garamond', serif; font-size: clamp(22px,3vw,36px); font-weight: 500; line-height: 1.22; }
.dsm { font-family: 'Cormorant Garamond', serif; font-size: 21px; font-weight: 500; line-height: 1.3; }
.ey { font-size: 10px; letter-spacing: .16em; text-transform: uppercase; color: var(--i3); }
.eyd { font-size: 10px; letter-spacing: .16em; text-transform: uppercase; color: var(--gd); }

/* ── LAYOUT ── */
.w { max-width: 1160px; margin: 0 auto; padding: 0 52px; }
.sec { padding: 88px 0; }
.bb { border-bottom: .5px solid var(--bd); }
.c2 { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; }
.c235 { display: grid; grid-template-columns: 1.4fr 1fr; gap: 64px; }
.c3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 28px; }
.g3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; }
.g2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 18px; }
.sh { display: flex; justify-content: space-between; align-items: flex-end; margin-bottom: 44px; }

/* ── BUTTONS ── */
.btn { display: inline-flex; align-items: center; gap: 8px; font-family: 'DM Sans', sans-serif; font-size: 11.5px; letter-spacing: .09em; text-transform: uppercase; padding: 13px 28px; border-radius: var(--r); cursor: pointer; transition: all .25s; text-decoration: none; border: none; font-weight: 500; }
.bp { background: var(--nv); color: white; }
.bp:hover { background: var(--nvl); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(18,41,74,.25); }
.bo { background: transparent; color: var(--nv); border: 1.5px solid var(--nv); }
.bo:hover { background: var(--nv); color: white; transform: translateY(-1px); }
.bg { font-size: 11.5px; letter-spacing: .09em; text-transform: uppercase; color: var(--nv); background: none; border: none; cursor: pointer; display: inline-flex; align-items: center; gap: 7px; padding: 0; font-family: 'DM Sans', sans-serif; transition: gap .2s; }
.bg:hover { gap: 11px; }

/* ── HERO ── */
.hero { padding: 100px 0 88px; position: relative; overflow: hidden; }
.hero::after { content: ''; position: absolute; right: 0; top: 0; width: 45%; height: 100%; background: linear-gradient(135deg,rgba(18,41,74,.03) 0%,transparent 60%); pointer-events: none; }
.hey { display: flex; align-items: center; gap: 14px; margin-bottom: 22px; }
.hey::before { content: ''; display: block; width: 36px; height: 1px; background: var(--gd); }
.hac { display: flex; gap: 12px; align-items: center; margin-top: 36px; flex-wrap: wrap; }
.hsp { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }

/* ── TRUST BAR ── */
.trust { display: grid; grid-template-columns: repeat(4,1fr); }
.ti { padding: 30px 32px; border-right: .5px solid var(--bd); transition: background .2s; }
.ti:last-child { border-right: none; }
.ti:hover { background: rgba(18,41,74,.025); }
.tn { font-family: 'Cormorant Garamond', serif; font-size: 30px; font-weight: 500; color: var(--nv); margin-bottom: 4px; line-height: 1; }
.tl { font-size: 12px; color: var(--i3); line-height: 1.5; }

/* ── CARDS ── */
.card { background: var(--bgc); border: .5px solid var(--bd); border-radius: var(--rl); padding: 28px; transition: all .28s; position: relative; overflow: hidden; }
.card::before { content: ''; position: absolute; bottom: 0; left: 0; width: 0; height: 2px; background: var(--gd); transition: width .3s; }
.card:hover { border-color: var(--bdm); box-shadow: var(--sh); transform: translateY(-3px); }
.card:hover::before { width: 100%; }

/* ── TAGS ── */
.tag { display: inline-block; font-size: 10px; letter-spacing: .1em; text-transform: uppercase; padding: 4px 12px; border-radius: 2px; margin-bottom: 14px; font-weight: 500; }
.tr { background: rgba(18,41,74,.08); color: var(--nv); }
.tt { background: rgba(184,144,58,.14); color: #7A5A20; }
.te { background: rgba(74,72,69,.08); color: var(--i2); }
.tg { background: rgba(34,120,68,.1); color: #1A6040; }

/* ── SERVICE ── */
.sn { font-family: 'Cormorant Garamond', serif; font-size: 36px; font-weight: 400; color: rgba(18,41,74,.12); margin-bottom: 14px; line-height: 1; }
.st { font-size: 15px; font-weight: 500; margin-bottom: 10px; color: var(--ink); }
.sd { font-size: 13px; color: var(--i2); line-height: 1.7; }
.sl { font-size: 11px; letter-spacing: .08em; text-transform: uppercase; color: var(--nv); margin-top: 16px; display: inline-flex; align-items: center; gap: 6px; cursor: pointer; border: none; background: none; transition: gap .2s; font-family: 'DM Sans', sans-serif; }
.sl:hover { gap: 10px; }

/* ── INSIGHTS ── */
.it { font-size: 15px; font-weight: 500; line-height: 1.45; margin-bottom: 10px; cursor: pointer; transition: color .2s; }
.it:hover { color: var(--nv); }
.im { font-size: 12px; color: var(--i3); }
.ie { font-size: 13px; color: var(--i2); line-height: 1.7; margin-top: 10px; }

/* ── MISC ── */
.dvg { height: 1px; background: var(--gd); width: 52px; margin-bottom: 24px; }
.hl { background: rgba(18,41,74,.04); border: .5px solid rgba(18,41,74,.14); border-left: 3px solid var(--nv); border-radius: 0 var(--rl) var(--rl) 0; padding: 24px 28px; }
.hlg { background: rgba(184,144,58,.06); border: .5px solid rgba(184,144,58,.2); border-left: 3px solid var(--gd); border-radius: 0 var(--rl) var(--rl) 0; padding: 24px 28px; }
.ck { list-style: none; }
.ck li { padding: 9px 0; border-bottom: .5px solid var(--bd); font-size: 14px; color: var(--i2); display: flex; align-items: flex-start; gap: 12px; line-height: 1.55; }
.ck li::before { content: '—'; color: var(--gd); flex-shrink: 0; margin-top: 1px; font-weight: 500; }
.bc { display: flex; align-items: center; gap: 9px; font-size: 12px; color: var(--i3); margin-bottom: 26px; }
.bc a { cursor: pointer; color: var(--i3); text-decoration: none; border: none; background: none; transition: color .2s; font-family: 'DM Sans', sans-serif; }
.bc a:hover { color: var(--nv); }
.bc span { opacity: .4; }
.ib { background: rgba(18,41,74,.04); border: .5px solid rgba(18,41,74,.1); border-radius: var(--rl); padding: 28px; }
.sb { display: flex; flex-direction: column; padding: 16px 20px; background: rgba(18,41,74,.06); border-radius: var(--r); border: .5px solid rgba(18,41,74,.12); }
.sbv { font-family: 'Cormorant Garamond', serif; font-size: 26px; font-weight: 500; color: var(--nv); line-height: 1; }
.sbl { font-size: 11px; color: var(--i3); margin-top: 3px; }
.sr { display: flex; gap: 20px; margin-top: 28px; flex-wrap: wrap; }
.qt { font-family: 'Cormorant Garamond', serif; font-size: 21px; font-style: italic; color: var(--nv); line-height: 1.55; border-left: 3px solid var(--gd); padding: 6px 0 6px 24px; margin: 24px 0; }
.sk { font-size: 12px; padding: 5px 13px; border: .5px solid var(--bdm); border-radius: 2px; color: var(--i2); display: inline-block; margin: 4px 4px 4px 0; transition: all .2s; }
.sk:hover { border-color: var(--nv); color: var(--nv); }
.ci { display: flex; gap: 18px; padding: 20px 0; border-bottom: .5px solid var(--bd); align-items: flex-start; }
.cii { width: 40px; height: 40px; min-width: 40px; background: rgba(18,41,74,.07); border-radius: var(--r); border: .5px solid var(--bdm); display: flex; align-items: center; justify-content: center; font-size: 15px; }
.cil { font-size: 10px; letter-spacing: .09em; text-transform: uppercase; color: var(--i3); margin-bottom: 4px; }
.civ { font-size: 14px; color: var(--ink); font-weight: 500; }
.civ a { color: var(--nv); text-decoration: none; }
.pillars { display: grid; grid-template-columns: repeat(3,1fr); background: var(--bgc); border: .5px solid var(--bd); border-radius: var(--rl); overflow: hidden; }
.pillar { padding: 34px 28px; border-right: .5px solid var(--bd); transition: background .2s; }
.pillar:last-child { border-right: none; }
.pillar:hover { background: rgba(18,41,74,.02); }
.proc { display: grid; grid-template-columns: repeat(4,1fr); border: .5px solid var(--bd); border-radius: var(--rl); overflow: hidden; background: var(--bgc); }
.ps { padding: 28px 24px; border-right: .5px solid var(--bd); transition: background .2s; }
.ps:last-child { border-right: none; }
.ps:hover { background: rgba(18,41,74,.025); }

/* ── PROFILE ── */
.pfw { display: grid; grid-template-columns: 220px 1fr; gap: 52px; align-items: start; }
.profile-img { width: 220px; height: 260px; object-fit: cover; object-position: center top; border-radius: var(--rl); border: .5px solid var(--bdm); display: block; }
.profile-img-wrap { width: 220px; height: 260px; background: rgba(18,41,74,.04); border-radius: var(--rl); border: .5px solid var(--bdm); overflow: hidden; flex-shrink: 0; }

/* ── FORM ── */
.fg { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.fgrp { display: flex; flex-direction: column; gap: 6px; }
.fgrp label { font-size: 11px; letter-spacing: .09em; text-transform: uppercase; color: var(--i2); font-weight: 500; }
.fgrp input, .fgrp select, .fgrp textarea { font-family: 'DM Sans', sans-serif; font-size: 14px; color: var(--ink); padding: 11px 14px; border: 1px solid var(--bdm); border-radius: var(--r); background: var(--bgc); outline: none; transition: border-color .2s, box-shadow .2s; width: 100%; }
.fgrp input:focus, .fgrp select:focus, .fgrp textarea:focus { border-color: var(--nv); box-shadow: 0 0 0 3px rgba(18,41,74,.07); }
.fgrp input.err, .fgrp select.err, .fgrp textarea.err { border-color: #C84040; }
.fgrp textarea { resize: vertical; min-height: 120px; }
.ff { grid-column: 1/-1; }
.f-err { font-size: 11px; color: #C84040; margin-top: 3px; display: none; }

/* ── FAQ ── */
.faq-item { border-bottom: .5px solid var(--bd); }
.faq-q { display: flex; justify-content: space-between; align-items: center; padding: 20px 0; cursor: pointer; font-size: 15px; font-weight: 500; color: var(--ink); transition: color .2s; background: none; border: none; width: 100%; text-align: left; font-family: 'DM Sans', sans-serif; }
.faq-q:hover { color: var(--nv); }
.faq-ico { width: 26px; height: 26px; border: .5px solid var(--bdm); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: 16px; color: var(--nv); transition: transform .25s; line-height: 1; }
.faq-item.open .faq-ico { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 0 18px; font-size: 14px; color: var(--i2); line-height: 1.8; max-width: 640px; }
.faq-item.open .faq-a { display: block; }

/* ── TOOLS ── */
.fbb-bar { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 34px; }
.fbb { font-size: 11px; letter-spacing: .08em; text-transform: uppercase; padding: 7px 16px; border: 1px solid var(--bdm); border-radius: var(--r); background: transparent; cursor: pointer; color: var(--i2); transition: all .22s; font-family: 'DM Sans', sans-serif; }
.fbb:hover, .fbb.active { background: var(--nv); color: white; border-color: var(--nv); }
.calc-box { background: var(--bgc); border: .5px solid var(--bd); border-radius: var(--rl); padding: 36px; }
.range-wrap { display: flex; flex-direction: column; gap: 6px; }
.range-wrap label { font-size: 11px; letter-spacing: .09em; text-transform: uppercase; color: var(--i2); font-weight: 500; display: flex; justify-content: space-between; }
.range-wrap input[type=range] { -webkit-appearance: none; width: 100%; height: 4px; border-radius: 2px; background: var(--bdm); outline: none; cursor: pointer; }
.range-wrap input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 18px; height: 18px; border-radius: 50%; background: var(--nv); cursor: pointer; border: 2px solid white; box-shadow: 0 1px 6px rgba(18,41,74,.3); }
.range-wrap input[type=range]::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: var(--nv); cursor: pointer; border: 2px solid white; }
.wf-bar { display: flex; height: 48px; border-radius: var(--r); overflow: hidden; gap: 2px; }
.wf-seg { display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 500; color: white; transition: all .4s; overflow: hidden; white-space: nowrap; }
.wf-legend { display: flex; gap: 18px; flex-wrap: wrap; margin-top: 14px; }
.wf-li { display: flex; align-items: center; gap: 7px; font-size: 12px; color: var(--i2); }
.wf-dot { width: 10px; height: 10px; border-radius: 2px; flex-shrink: 0; }
.calc-result { background: rgba(18,41,74,.04); border: .5px solid rgba(18,41,74,.1); border-radius: var(--rl); padding: 24px; margin-top: 24px; display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; }
.cr-item { text-align: center; }
.cr-v { font-family: 'Cormorant Garamond', serif; font-size: 26px; font-weight: 500; color: var(--nv); }
.cr-l { font-size: 11px; color: var(--i3); margin-top: 3px; }
.cal-select { display: flex; gap: 10px; margin-bottom: 32px; flex-wrap: wrap; }
.cal-tab { padding: 10px 22px; border: 1px solid var(--bdm); border-radius: var(--r); font-size: 12px; letter-spacing: .06em; text-transform: uppercase; cursor: pointer; background: transparent; color: var(--i2); transition: all .2s; font-family: 'DM Sans', sans-serif; }
.cal-tab.active { background: var(--nv); color: white; border-color: var(--nv); }
.cal-q-title { font-size: 12px; letter-spacing: .1em; text-transform: uppercase; color: var(--gd); margin-bottom: 12px; font-weight: 500; margin-top: 24px; }
.cal-item { display: grid; grid-template-columns: 80px 1fr auto; gap: 14px; padding: 14px 0; border-bottom: .5px solid var(--bd); align-items: start; }
.cal-date { font-size: 13px; font-weight: 500; color: var(--nv); }
.cal-title { font-size: 14px; font-weight: 500; color: var(--ink); }
.cal-desc { font-size: 12px; color: var(--i3); margin-top: 3px; }
.cal-badge { font-size: 10px; letter-spacing: .07em; text-transform: uppercase; padding: 3px 10px; border-radius: 2px; white-space: nowrap; }
.cb-sebi { background: rgba(18,41,74,.08); color: var(--nv); }
.cb-tax { background: rgba(184,144,58,.14); color: #7A5A20; }
.cb-audit { background: rgba(34,120,68,.1); color: #1A6040; }

/* ── GLOSSARY ── */
.glos-search { width: 100%; font-family: 'DM Sans', sans-serif; font-size: 15px; padding: 13px 18px; border: 1px solid var(--bdm); border-radius: var(--r); background: var(--bgc); outline: none; margin-bottom: 24px; transition: border-color .2s, box-shadow .2s; }
.glos-search:focus { border-color: var(--nv); box-shadow: 0 0 0 3px rgba(18,41,74,.07); }
.glos-alpha { display: flex; gap: 6px; flex-wrap: wrap; margin-bottom: 24px; }
.ga { width: 32px; height: 32px; border: .5px solid var(--bdm); border-radius: var(--r); font-size: 12px; font-weight: 500; cursor: pointer; background: transparent; color: var(--i2); transition: all .2s; font-family: 'DM Sans', sans-serif; display: flex; align-items: center; justify-content: center; }
.ga:hover, .ga.active { background: var(--nv); color: white; border-color: var(--nv); }
.glos-item { padding: 20px 0; border-bottom: .5px solid var(--bd); }
.glos-term { font-size: 16px; font-weight: 500; color: var(--nv); margin-bottom: 6px; }
.glos-def { font-size: 14px; color: var(--i2); line-height: 1.75; }
.glos-tag { font-size: 10px; letter-spacing: .07em; text-transform: uppercase; padding: 3px 9px; border-radius: 2px; background: rgba(18,41,74,.06); color: var(--nv); margin-left: 10px; vertical-align: middle; }

/* ── TESTIMONIALS ── */
.tcard { background: var(--bgc); border: .5px solid var(--bd); border-radius: var(--rl); padding: 28px; position: relative; }
.tcard::before { content: '"'; font-family: 'Cormorant Garamond', serif; font-size: 72px; color: var(--gd); opacity: .3; position: absolute; top: 10px; left: 20px; line-height: 1; }
.tq { font-size: 15px; color: var(--i2); line-height: 1.8; margin-bottom: 20px; padding-top: 28px; font-style: italic; }
.ta { font-size: 13px; font-weight: 500; color: var(--ink); }
.td { font-size: 12px; color: var(--i3); margin-top: 3px; }

/* ── CASE STUDIES ── */
.cs-card { background: var(--bgc); border: .5px solid var(--bd); border-radius: var(--rl); overflow: hidden; }
.cs-head { background: var(--nv); padding: 24px 28px; }
.cs-type { font-size: 10px; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.5); margin-bottom: 8px; }
.cs-title { font-family: 'Cormorant Garamond', serif; font-size: 20px; font-weight: 500; color: white; line-height: 1.3; }
.cs-body { padding: 28px; }
.cs-label { font-size: 10px; letter-spacing: .1em; text-transform: uppercase; color: var(--gd); margin-bottom: 8px; margin-top: 18px; }
.cs-label:first-child { margin-top: 0; }
.cs-text { font-size: 13px; color: var(--i2); line-height: 1.75; }

/* ── REGULATORY UPDATES ── */
.ru-item { display: grid; grid-template-columns: 90px 1fr auto; gap: 18px; padding: 18px 0; border-bottom: .5px solid var(--bd); align-items: start; }
.ru-date { font-size: 12px; color: var(--i3); }
.ru-title { font-size: 14px; font-weight: 500; color: var(--ink); }
.ru-sum { font-size: 13px; color: var(--i2); margin-top: 4px; line-height: 1.65; }
.ru-badge { font-size: 10px; letter-spacing: .07em; text-transform: uppercase; padding: 3px 10px; border-radius: 2px; white-space: nowrap; }

/* ── LEAD MAGNET ── */
.lm-box { background: linear-gradient(135deg, var(--nv) 0%, var(--nvl) 100%); border-radius: var(--rl); padding: 52px; color: white; position: relative; overflow: hidden; }
.lm-box::before { content: ''; position: absolute; right: -40px; top: -40px; width: 200px; height: 200px; border-radius: 50%; background: rgba(255,255,255,.04); }

/* ── MODAL ── */
.modal-ov { display: none; position: fixed; inset: 0; background: rgba(18,41,74,.65); z-index: 400; align-items: flex-start; justify-content: center; padding: 40px 20px; -webkit-backdrop-filter: blur(5px); backdrop-filter: blur(5px); overflow-y: auto; }
.modal-ov.open { display: flex; }
.modal { background: var(--bgc); border-radius: var(--rl); max-width: 760px; width: 100%; position: relative; margin: auto; }
.mh { padding: 34px 38px 22px; border-bottom: .5px solid var(--bd); }
.mb { padding: 30px 38px 38px; }
.mc { position: absolute; top: 18px; right: 18px; width: 36px; height: 36px; border: .5px solid var(--bd); border-radius: 50%; background: transparent; cursor: pointer; display: flex; align-items: center; justify-content: center; font-size: 18px; color: var(--i2); transition: all .2s; }
.mc:hover { background: var(--bgx); }
.ab p { font-size: 15px; color: var(--i2); line-height: 1.85; margin-bottom: 18px; }
.ab h3 { font-family: 'Cormorant Garamond', serif; font-size: 21px; font-weight: 500; color: var(--nv); margin: 26px 0 13px; }
.ab ul { margin: 10px 0 16px; padding-left: 0; }
.ab ul li { font-size: 14px; color: var(--i2); line-height: 1.7; padding: 5px 0 5px 20px; position: relative; }
.ab ul li::before { content: '→'; position: absolute; left: 0; color: var(--gd); }
.kb { background: rgba(18,41,74,.04); border-left: 3px solid var(--gd); padding: 18px 22px; border-radius: 0 var(--r) var(--r) 0; margin: 22px 0; }
.kb h4 { font-size: 12px; letter-spacing: .1em; text-transform: uppercase; color: var(--gd); margin-bottom: 10px; }

/* ── FOOTER ── */
footer { background: var(--ink); color: rgba(255,255,255,.7); padding: 64px 0 36px; font-size: 13px; }
.ft { display: grid; grid-template-columns: 2.2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.fn { font-family: 'Cormorant Garamond', serif; font-size: 20px; font-weight: 600; color: white; letter-spacing: .18em; text-transform: uppercase; }
.fd { font-size: 13px; line-height: 1.75; margin-top: 14px; opacity: .55; max-width: 290px; }
.fct { font-size: 10px; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.35); margin-bottom: 18px; }
.fc a { display: block; margin-bottom: 11px; color: rgba(255,255,255,.55); text-decoration: none; cursor: pointer; transition: color .2s; font-size: 13px; border: none; background: none; font-family: 'DM Sans', sans-serif; }
.fc a:hover { color: white; }
.fbf { border-top: .5px solid rgba(255,255,255,.08); padding-top: 24px; display: flex; justify-content: space-between; font-size: 11.5px; opacity: .4; flex-wrap: wrap; gap: 12px; }

/* ── FLOATING BUTTONS ── */
.stt { position: fixed; bottom: 32px; right: 32px; width: 44px; height: 44px; background: var(--nv); color: white; border: none; border-radius: 50%; cursor: pointer; font-size: 18px; display: none; align-items: center; justify-content: center; z-index: 200; box-shadow: 0 4px 16px rgba(18,41,74,.3); transition: all .25s; }
.stt.show { display: flex; }
.stt:hover { background: var(--nvl); transform: translateY(-2px); }
.wa-btn { position: fixed; bottom: 86px; right: 32px; width: 44px; height: 44px; background: #25D366; color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; text-decoration: none; z-index: 200; box-shadow: 0 4px 16px rgba(37,211,102,.35); transition: all .25s; font-size: 20px; }
.wa-btn:hover { transform: translateY(-2px); }

/* ── ANIMATIONS ── */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .6s ease, transform .6s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
.rd1 { transition-delay: .08s; }
.rd2 { transition-delay: .16s; }
.rd3 { transition-delay: .24s; }
.pg { animation: fu .35s ease both; }
@keyframes fu { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }

/* ── VIDEO ── */
.vt { background: rgba(18,41,74,.07); border-radius: var(--r); height: 130px; display: flex; align-items: center; justify-content: center; margin-bottom: 16px; position: relative; overflow: hidden; transition: background .2s; }
.card:hover .vt { background: rgba(18,41,74,.12); }
.play { width: 44px; height: 44px; background: var(--nv); border-radius: 50%; display: flex; align-items: center; justify-content: center; transition: transform .2s; }
.card:hover .play { transform: scale(1.08); }
.parr { width: 0; height: 0; border-top: 8px solid transparent; border-bottom: 8px solid transparent; border-left: 14px solid white; margin-left: 3px; }
.vd { position: absolute; bottom: 10px; right: 12px; font-size: 11px; background: rgba(0,0,0,.55); color: white; padding: 2px 8px; border-radius: 2px; }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  nav { padding: 0 20px; }
  .nl { display: none; }
  .ham { display: flex; }
  .w { padding: 0 20px; }
  .sec { padding: 56px 0; }
  .hero { padding: 56px 0 44px; }
  .trust { grid-template-columns: repeat(2,1fr); }
  .g3, .g2, .c2, .c235, .c3 { grid-template-columns: 1fr; gap: 16px; }
  .proc { grid-template-columns: 1fr 1fr; }
  .pillars { grid-template-columns: 1fr; }
  .pillar { border-right: none; border-bottom: .5px solid var(--bd); }
  .pillar:last-child { border-bottom: none; }
  .hsp { grid-template-columns: 1fr; gap: 28px; }
  .fg { grid-template-columns: 1fr; }
  .ft { grid-template-columns: 1fr 1fr; gap: 28px; }
  .pfw { grid-template-columns: 1fr; }
  .sh { flex-direction: column; align-items: flex-start; gap: 14px; }
  .mh, .mb { padding: 22px; }
  .calc-result { grid-template-columns: 1fr; }
  .cal-item { grid-template-columns: 1fr; gap: 6px; }
  .ru-item { grid-template-columns: 1fr; gap: 8px; }
  .lm-box { padding: 32px 24px; }
  .proc { grid-template-columns: 1fr; }
  .hero::after { display: none; }
  .nct { padding: 8px 14px; font-size: 10px; }
}
@media (max-width: 480px) {
  .trust { grid-template-columns: 1fr 1fr; }
  .ti { padding: 20px 16px; }
  .hac { flex-direction: column; align-items: flex-start; }
  .btn { width: 100%; justify-content: center; }
}

/* ── SCROLL PROGRESS BAR ── */
.spb { position: fixed; top: 0; left: 0; height: 2.5px; background: linear-gradient(90deg, var(--gd), var(--gdl)); z-index: 500; width: 0%; transition: width .08s linear; border-radius: 0 2px 2px 0; }

/* ── DARK MODE ── */
body.dark {
  --bg: #0F1B2A; --bgc: #162030; --bgx: #1C2A3C;
  --nv: #2A5298; --nvl: #3568C8;
  --ink: #E8E4DC; --i2: #A8A59E; --i3: #68655E;
  --gd: #C8A040; --gdl: #E0B84A;
  --bd: rgba(200,190,170,.07); --bdm: rgba(200,190,170,.14);
  --sh: 0 4px 28px rgba(0,0,0,.35);
}
body.dark nav { background: rgba(15,27,42,.97); border-bottom-color: rgba(200,190,170,.07); }
body.dark .ticker { background: #0A1420; }
body.dark .mmenu { background: var(--bg); }
body.dark footer { background: #07101A; }
body.dark .lm-box { background: linear-gradient(135deg, #0A1828 0%, #0F2040 100%); }
body.dark .fgrp input, body.dark .fgrp select, body.dark .fgrp textarea { background: var(--bgx); color: var(--ink); }
body.dark .cs-head { background: #0A1828; }

/* ── DARK MODE TOGGLE ── */
.dm-toggle { width: 38px; height: 38px; border-radius: 50%; border: 1.5px solid var(--bdm); background: transparent; cursor: pointer; display: flex; align-items: center; justify-content: center; font-size: 15px; transition: all .25s; color: var(--i2); flex-shrink: 0; }
.dm-toggle:hover { border-color: var(--gd); color: var(--gd); background: rgba(184,144,58,.06); }

/* ── CURSOR SPOTLIGHT ── */
.hero-sp { position: absolute; width: 600px; height: 600px; border-radius: 50%; background: radial-gradient(circle, rgba(184,144,58,.055) 0%, transparent 68%); pointer-events: none; transform: translate(-50%,-50%); z-index: 0; opacity: 0; transition: opacity .6s; }
.hero-sp.visible { opacity: 1; }
.hero > .w { position: relative; z-index: 1; }

/* ── MICRO-ANIMATIONS: SERVICE CARDS ── */
.sn { transition: transform .35s cubic-bezier(.34,1.56,.64,1), color .25s; }
.card:hover .sn { transform: rotate(-10deg) translateY(-2px) scale(1.08); color: rgba(18,41,74,.22); }
.card::after { content: ''; position: absolute; bottom: 0; right: 0; left: auto; width: 2px; height: 0; background: var(--gd); transition: height .3s .05s; top: auto; }
.card:hover::after { height: 100%; }
.st { position: relative; }
.st::after { content: ''; position: absolute; bottom: -3px; left: 0; width: 0; height: 1px; background: var(--gd); transition: width .3s ease; }
.card:hover .st::after { width: 100%; }

/* ── COUNTER ── */
.tn.counting { color: var(--gd); transition: color .3s; }

/* ── CALENDAR — MONTH-WISE GRID ── */
.cal-month-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 4px; }
.cal-month-block { background: var(--bgc); border: .5px solid var(--bd); border-radius: var(--rl); overflow: hidden; transition: box-shadow .2s; }
.cal-month-block:hover { box-shadow: var(--sh); }
.cal-month-header { display: flex; justify-content: space-between; align-items: center; padding: 14px 20px 13px; background: var(--nv); }
.cal-month-name { font-family: 'Cormorant Garamond', serif; font-size: 17px; font-weight: 600; color: white; letter-spacing: .04em; }
.cal-month-count { font-size: 10px; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.45); }
.cal-month-items { display: flex; flex-direction: column; gap: 0; }
.cal-obligation { padding: 14px 20px; border-bottom: .5px solid var(--bd); transition: background .18s; }
.cal-obligation:last-child { border-bottom: none; }
.cal-obligation:hover { background: rgba(18,41,74,.025); }
.cal-ob-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 6px; gap: 8px; }
.cal-ob-badge { font-size: 9px; letter-spacing: .1em; text-transform: uppercase; padding: 2px 9px; border-radius: 2px; font-weight: 600; white-space: nowrap; flex-shrink: 0; }
.cal-ob-due { font-size: 11px; font-weight: 600; color: var(--nv); text-align: right; white-space: nowrap; }
.cal-ob-title { font-size: 12.5px; color: var(--ink); line-height: 1.55; font-weight: 500; margin-bottom: 4px; }
.cal-ob-ref { font-size: 10.5px; color: var(--i3); letter-spacing: .03em; }

@media (max-width: 900px) {
  .cal-month-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .cal-month-grid { grid-template-columns: 1fr; }
}

/* ── REGULATORY FEED ── */
.rf-item { display: grid; grid-template-columns: 90px 1fr; gap: 24px; padding: 26px 0; border-bottom: .5px solid var(--bd); transition: background .18s; }
.rf-item:hover { background: rgba(18,41,74,.015); }
.rf-left { display: flex; flex-direction: column; align-items: center; gap: 10px; padding-top: 4px; }
.rf-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.rf-date { font-size: 11px; color: var(--i3); letter-spacing: .04em; text-align: center; }
.rf-body { display: flex; flex-direction: column; gap: 10px; }
.rf-top { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.rf-sev { font-size: 9.5px; letter-spacing: .1em; text-transform: uppercase; padding: 3px 10px; border-radius: 2px; font-weight: 600; flex-shrink: 0; }
.rf-title { font-size: 15px; font-weight: 500; color: var(--ink); line-height: 1.4; }
.rf-summary { font-size: 13px; color: var(--i2); line-height: 1.8; }
.rf-src { font-size: 10.5px; color: var(--i3); letter-spacing: .04em; font-style: italic; }
@media (max-width: 600px) { .rf-item { grid-template-columns: 1fr; } .rf-left { flex-direction: row; justify-content: flex-start; } }

/* ── FUND JOURNEY TIMELINE ── */
.fj-timeline { position: relative; padding: 20px 0; }
.fj-timeline::before { content: ''; position: absolute; left: 50%; top: 0; bottom: 0; width: 1px; background: linear-gradient(to bottom, transparent, var(--bdm) 5%, var(--bdm) 95%, transparent); transform: translateX(-50%); }
.fj-step { display: grid; grid-template-columns: 1fr 60px 1fr; gap: 0; margin-bottom: 48px; align-items: start; }
.fj-connector { display: flex; flex-direction: column; align-items: center; padding-top: 20px; }
.fj-node { width: 52px; height: 52px; background: var(--nv); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 20px; border: 3px solid var(--bg); box-shadow: 0 0 0 1px var(--bdm), 0 4px 16px rgba(18,41,74,.2); flex-shrink: 0; }
.fj-card { background: var(--bgc); border: .5px solid var(--bd); border-radius: var(--rl); padding: 28px; transition: box-shadow .25s; }
.fj-card:hover { box-shadow: var(--sh); }
.fj-left { grid-column: 1; margin-right: 24px; }
.fj-right { grid-column: 3; margin-left: 24px; }
.fj-phase { font-family: 'Cormorant Garamond', serif; font-size: 42px; font-weight: 400; color: rgba(18,41,74,.08); line-height: 1; margin-bottom: 6px; }
.fj-label { font-size: 17px; font-weight: 500; color: var(--ink); margin-bottom: 6px; }
.fj-duration { font-size: 11px; letter-spacing: .07em; text-transform: uppercase; color: var(--gd); margin-bottom: 14px; }
.fj-desc { font-size: 13px; color: var(--i2); line-height: 1.75; margin-bottom: 18px; }
.fj-tasks { margin-bottom: 18px; }
.fj-nts { background: rgba(18,41,74,.04); border-left: 2px solid var(--gd); border-radius: 0 var(--r) var(--r) 0; padding: 14px 16px; }

@media (max-width: 860px) {
  .fj-timeline::before { left: 24px; }
  .fj-step { grid-template-columns: 60px 1fr; grid-template-rows: auto; }
  .fj-connector { grid-column: 1; grid-row: 1; padding-top: 16px; }
  .fj-left, .fj-right { grid-column: 2; grid-row: 1; margin: 0 0 0 12px; }
}