/* ============================================================
   ROYAL BANK GAMBIA LIMITED — Shared Design System
   Navy + Gold · Source Serif 4 / Libre Franklin
   ============================================================ */

:root{
  --navy-950:#050d1c;
  --navy-900:#081328;
  --navy-800:#0c1d3c;
  --navy-700:#13284f;
  --navy-600:#1d3866;
  --gold:#c6a35b;
  --gold-bright:#e2c585;
  --gold-deep:#9c7d3c;
  --cream:#f5f0e6;
  --cream-dim:#e6ddcb;
  --ink:#0a1322;
  --paper:#faf7f0;
  --line:rgba(198,163,91,.28);
  --line-soft:rgba(255,255,255,.08);
  --text-dim:rgba(245,240,230,.66);
  --text-faint:rgba(245,240,230,.42);
  --serif:"Manrope",-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;
  --sans:"Manrope",-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:var(--sans);
  background:var(--navy-950);
  color:var(--cream);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
::selection{background:var(--gold);color:var(--navy-950)}
img{max-width:100%;display:block}
a{color:inherit}

.wrap{max-width:1240px;margin:0 auto;padding:0 32px}
.wrap-narrow{max-width:880px;margin:0 auto;padding:0 32px}

h1,h2,h3,h4{font-family:var(--serif);font-weight:700;line-height:1.1;letter-spacing:-.02em}
.hero h1,.page-hero h1,.cta h2,.sec-head h2{font-weight:800;letter-spacing:-.03em}
.eyebrow{
  font-family:var(--sans);font-size:.7rem;font-weight:600;
  letter-spacing:.34em;text-transform:uppercase;color:var(--gold);
  display:inline-flex;align-items:center;gap:14px;
}
.eyebrow::before{content:"";width:34px;height:1px;background:var(--gold);opacity:.7}
.eyebrow.no-rule::before{display:none}

/* ---------- UTILITY BAR ---------- */
.utility{
  background:var(--navy-950);
  border-bottom:1px solid rgba(255,255,255,.05);
  font-size:.74rem;letter-spacing:.08em;color:var(--text-dim);
}
.utility .wrap{display:flex;justify-content:space-between;align-items:center;height:40px}
.utility a{color:var(--text-dim);text-decoration:none;transition:color .25s}
.utility a:hover{color:var(--gold-bright)}
.utility-r{display:flex;gap:26px;align-items:center}
.utility-l{display:flex;gap:8px;align-items:center}
.dot{width:5px;height:5px;border-radius:50%;background:#3ba776;box-shadow:0 0 8px #3ba776}
@media(max-width:760px){.utility-l{display:none}.utility-r{gap:18px}}

/* ---------- HEADER ---------- */
header{
  position:sticky;top:0;z-index:100;
  background:rgba(8,19,40,.82);
  backdrop-filter:blur(16px);
  border-bottom:1px solid rgba(255,255,255,.06);
  transition:background .3s;
}
.nav{display:flex;align-items:center;justify-content:space-between;height:82px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--cream);transition:opacity .25s}
.brand:hover{opacity:.85}
.brand-shield-img{height:50px;width:auto;display:block;filter:drop-shadow(0 1px 6px rgba(0,0,0,.5))}
.brand-txt{display:flex;flex-direction:column;line-height:1.25}
.brand-name{font-family:var(--serif);font-size:.98rem;font-weight:600;letter-spacing:.02em;color:var(--cream);line-height:1.2}
.brand-sub{font-family:var(--sans);font-size:.57rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-top:4px}

/* ---- main menu with dropdowns ---- */
.menu{display:flex;gap:34px;align-items:center;list-style:none}
.menu > li{position:relative}
.menu > li > a{
  color:var(--cream);text-decoration:none;font-size:.82rem;font-weight:500;
  letter-spacing:.04em;position:relative;padding:30px 0;transition:color .25s;
  display:inline-flex;align-items:center;gap:6px;
}
.menu > li > a .caret{width:8px;height:8px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .3s;opacity:.7}
.menu > li > a::after{
  content:"";position:absolute;left:0;bottom:24px;width:0;height:1px;
  background:var(--gold);transition:width .3s ease;
}
.menu > li > a:hover,.menu > li.current > a{color:var(--gold-bright)}
.menu > li > a:hover::after,.menu > li.current > a::after{width:calc(100% - 14px)}
.menu > li.current > a::after{width:calc(100% - 14px)}

/* dropdown panel */
.dropdown{
  position:absolute;top:78px;left:50%;transform:translateX(-50%) translateY(10px);
  min-width:300px;background:rgba(8,19,40,.97);backdrop-filter:blur(18px);
  border:1px solid var(--line);border-top:2px solid var(--gold);
  padding:14px;opacity:0;visibility:hidden;transition:all .28s ease;
  box-shadow:0 30px 60px rgba(0,0,0,.5);z-index:120;
}
.menu > li:hover .dropdown{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.menu > li:hover > a .caret{transform:rotate(225deg) translateY(2px)}
.dropdown.wide{min-width:560px;display:grid;grid-template-columns:1fr 1fr;gap:4px}
.dd-group-label{grid-column:1/-1;font-size:.62rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);padding:10px 14px 6px;opacity:.85}
.dropdown a{
  display:block;text-decoration:none;color:var(--cream);padding:11px 14px;
  border-radius:2px;transition:background .2s,color .2s;
}
.dropdown a .dd-t{font-size:.9rem;font-weight:500;display:block}
.dropdown a .dd-d{font-size:.74rem;color:var(--text-faint);font-weight:300;margin-top:2px;line-height:1.4}
.dropdown a:hover{background:var(--navy-700)}
.dropdown a:hover .dd-t{color:var(--gold-bright)}

/* ---------- BUTTONS ---------- */
.btn{
  font-family:var(--sans);font-size:.8rem;font-weight:600;letter-spacing:.06em;
  padding:13px 26px;border-radius:2px;cursor:pointer;text-decoration:none;
  display:inline-flex;align-items:center;gap:10px;transition:all .3s ease;border:1px solid transparent;
}
.btn-gold{background:var(--gold);color:var(--navy-950);border-color:var(--gold)}
.btn-gold:hover{background:var(--gold-bright);border-color:var(--gold-bright);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--cream);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold-bright)}
.btn-dark{background:var(--navy-900);color:var(--cream);border-color:var(--navy-600)}
.btn-dark:hover{background:var(--navy-800);border-color:var(--gold)}
.btn-lg{padding:16px 32px;font-size:.84rem}

.burger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px}
.burger span{width:24px;height:2px;background:var(--gold);transition:.3s}

@media(max-width:1080px){
  .menu,.nav .btn-gold{display:none}
  .burger{display:flex}
}

/* ---------- MOBILE MENU ---------- */
.mobile-menu{
  position:fixed;inset:82px 0 0;background:var(--navy-950);z-index:99;
  flex-direction:column;padding:30px 32px 60px;gap:2px;display:none;overflow-y:auto;
}
.mobile-menu.open{display:flex}
.mobile-menu .mm-head{display:flex;align-items:center;gap:12px;padding-bottom:22px;border-bottom:1px solid var(--line-soft);margin-bottom:14px}
.mobile-menu .mm-head img{height:46px;width:auto;filter:drop-shadow(0 1px 4px rgba(0,0,0,.4))}
.mobile-menu .mm-head span{font-family:var(--serif);font-size:.95rem;font-weight:600;color:var(--cream);line-height:1.25}
.mm-group{font-size:.64rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);padding:18px 0 4px}
.mobile-menu > a{color:var(--cream);text-decoration:none;font-family:var(--serif);font-size:1.35rem;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.06)}
.mobile-menu > a:hover{color:var(--gold-bright)}
.mobile-menu .btn{margin-top:24px;justify-content:center}

/* ---------- HERO (home) ---------- */
.hero{position:relative;overflow:hidden;padding:120px 0 90px;background:
  radial-gradient(120% 90% at 80% -10%,var(--navy-700) 0%,var(--navy-900) 42%,var(--navy-950) 100%);}
.hero::before{
  content:"";position:absolute;inset:0;opacity:.5;pointer-events:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.035'/%3E%3C/svg%3E");
}
.hero-deco{
  position:absolute;top:-30px;right:-40px;width:440px;height:auto;
  opacity:.06;pointer-events:none;
}
.hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:60px;align-items:center}
@media(max-width:960px){.hero-grid{grid-template-columns:1fr;gap:48px}}
.hero h1{font-size:clamp(3rem,7vw,5.6rem);margin:28px 0 24px}
.hero h1 em{font-style:normal;color:var(--gold-bright)}
.hero p{font-size:1.12rem;color:var(--text-dim);max-width:520px;margin-bottom:38px;font-weight:300}
.hero-cta{display:flex;gap:16px;flex-wrap:wrap}

.fade-up{opacity:0;transform:translateY(26px);animation:fadeUp .9s cubic-bezier(.2,.7,.2,1) forwards}
.d1{animation-delay:.05s}.d2{animation-delay:.18s}.d3{animation-delay:.31s}.d4{animation-delay:.44s}.d5{animation-delay:.57s}
@keyframes fadeUp{to{opacity:1;transform:none}}

/* hero markets card */
.hero-card{
  background:linear-gradient(165deg,rgba(13,30,66,.72),rgba(5,14,32,.85));
  border:1px solid rgba(198,163,91,.32);
  border-radius:3px;overflow:hidden;position:relative;backdrop-filter:blur(12px);
}
.hero-card::before{
  content:"";position:absolute;top:0;left:0;right:0;height:2px;
  background:linear-gradient(90deg,var(--gold) 0%,rgba(198,163,91,.2) 100%);pointer-events:none;
}
.hc-head{padding:22px 26px 18px;border-bottom:1px solid rgba(255,255,255,.08)}
.hc-label{display:flex;align-items:center;gap:8px;margin-bottom:10px;font-size:.66rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold)}
.live-dot{width:5px;height:5px;border-radius:50%;background:#3ab07a;flex-shrink:0;animation:livepulse 2.2s ease-in-out infinite}
@keyframes livepulse{0%,100%{opacity:1;box-shadow:0 0 0 0 rgba(58,176,122,.5)}60%{opacity:.5;box-shadow:0 0 0 5px rgba(58,176,122,0)}}
.hc-time{color:rgba(245,240,230,.42);letter-spacing:.06em}
.hc-head h4{font-size:1.5rem;font-weight:500;color:var(--cream);letter-spacing:-.01em;margin:0}
.hc-body{padding:6px 0}
.quote-row{display:grid;grid-template-columns:1fr auto auto;gap:0 20px;align-items:center;padding:13px 26px;border-bottom:1px solid rgba(255,255,255,.055);transition:background .2s}
.quote-row:last-child{border-bottom:none}
.quote-row:hover{background:rgba(255,255,255,.045)}
.quote-row .name{font-size:.82rem;color:rgba(245,240,230,.58);font-weight:400;letter-spacing:.02em}
.quote-row .val{font-size:1.05rem;font-weight:600;color:var(--cream);font-variant-numeric:tabular-nums;letter-spacing:-.01em;text-align:right;font-family:var(--sans)}
.quote-row .chg{font-size:.75rem;font-weight:600;font-variant-numeric:tabular-nums;text-align:right;min-width:68px;display:flex;align-items:center;justify-content:flex-end;gap:3px;font-family:var(--sans)}
.chg-arrow{font-size:.6rem;line-height:1}
.up{color:#3ab07a}.down{color:#e05c5c}
.hc-foot{padding:10px 26px;border-top:1px solid rgba(255,255,255,.06);background:rgba(0,0,0,.18)}
.hc-foot p{font-size:.62rem;color:rgba(245,240,230,.28);letter-spacing:.04em;line-height:1.5}

/* ---------- PAGE HERO (interior) ---------- */
.page-hero{position:relative;overflow:hidden;padding:80px 0 64px;background:
  radial-gradient(110% 130% at 85% -20%,var(--navy-700) 0%,var(--navy-900) 46%,var(--navy-950) 100%);}
.page-hero::before{content:"";position:absolute;inset:0;opacity:.5;pointer-events:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.035'/%3E%3C/svg%3E");}
.page-hero .wrap{position:relative;z-index:2}
.page-hero-deco{position:absolute;top:-40px;right:-30px;width:360px;opacity:.05;pointer-events:none}
.breadcrumb{display:flex;gap:10px;align-items:center;font-size:.74rem;letter-spacing:.08em;color:var(--text-faint);margin-bottom:26px;flex-wrap:wrap}
.breadcrumb a{color:var(--text-faint);text-decoration:none;transition:color .25s}
.breadcrumb a:hover{color:var(--gold-bright)}
.breadcrumb span.sep{opacity:.5}
.breadcrumb .here{color:var(--gold)}
.page-hero h1{font-size:clamp(2.5rem,5.4vw,4.3rem);margin:0 0 22px;max-width:16ch}
.page-hero h1 em{font-style:normal;color:var(--gold-bright)}
.page-hero .lead{font-size:1.18rem;color:var(--text-dim);max-width:660px;font-weight:300}
.page-hero .hero-cta{margin-top:36px}

/* ---------- TICKER ---------- */
.ticker{background:var(--navy-900);border-top:1px solid var(--line);border-bottom:1px solid var(--line);overflow:hidden;white-space:nowrap}
.ticker-track{display:inline-flex;gap:54px;padding:16px 0;animation:scroll 38s linear infinite}
.ticker:hover .ticker-track{animation-play-state:paused}
@keyframes scroll{to{transform:translateX(-50%)}}
.tick{display:inline-flex;gap:12px;align-items:baseline;font-size:.86rem;letter-spacing:.04em}
.tick b{font-family:var(--sans);color:var(--cream);font-weight:600}
.tick .px{color:var(--text-dim)}

/* ---------- SECTION BASE ---------- */
section{position:relative}
.pad{padding:110px 0}
.pad-sm{padding:80px 0}
.sec-head{max-width:680px;margin-bottom:64px}
.sec-head h2{font-size:clamp(2.4rem,4.6vw,3.6rem);margin:22px 0 18px}
.sec-head p{color:var(--text-dim);font-size:1.05rem;font-weight:300}
.center{margin-left:auto;margin-right:auto;text-align:center}
.center .eyebrow{justify-content:center}

.reveal{opacity:0;transform:translateY(34px);transition:all .85s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}

.bg-900{background:var(--navy-900)}
.bg-950{background:var(--navy-950)}

/* ---------- SERVICES GRID ---------- */
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
@media(max-width:900px){.svc-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.svc-grid{grid-template-columns:1fr}}
.svc{background:var(--navy-900);padding:42px 36px;position:relative;transition:background .4s ease;overflow:hidden;text-decoration:none;color:inherit;display:block}
.svc::after{content:"";position:absolute;left:0;top:0;width:100%;height:2px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .45s ease}
.svc:hover{background:var(--navy-800)}
.svc:hover::after{transform:scaleX(1)}
.svc-num{font-family:var(--serif);font-size:.95rem;color:var(--gold);letter-spacing:.1em;opacity:.7}
.svc-icon{width:42px;height:42px;margin:22px 0 20px;stroke:var(--gold);stroke-width:1.2;fill:none}
.svc h3{font-size:1.55rem;margin-bottom:12px;color:var(--cream)}
.svc p{font-size:.92rem;color:var(--text-dim);font-weight:300;margin-bottom:18px}
.svc .more{font-size:.74rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);text-decoration:none;display:inline-flex;gap:8px;align-items:center;transition:gap .3s}
.svc:hover .more{gap:14px}
.bg-950 .svc{background:var(--navy-950)}
.bg-950 .svc:hover{background:var(--navy-900)}

/* ---------- STATS ---------- */
.stats{background:linear-gradient(rgba(5,13,28,.78),rgba(5,13,28,.78)),radial-gradient(90% 120% at 20% 0,var(--navy-700),var(--navy-950))}
.stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:40px}
@media(max-width:820px){.stat-grid{grid-template-columns:repeat(2,1fr);gap:48px 28px}}
.stat{text-align:center;position:relative}
.stat:not(:last-child)::after{content:"";position:absolute;right:-20px;top:14%;height:72%;width:1px;background:var(--line)}
@media(max-width:820px){.stat::after{display:none}}
.stat .num{font-family:var(--serif);font-size:clamp(3rem,5vw,4rem);color:var(--gold-bright);line-height:1}
.stat .num span{font-size:.55em;vertical-align:super}
.stat .lbl{margin-top:14px;font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;color:var(--text-dim)}

/* ---------- SPLIT / APPROACH ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:48px}}
.approach-list{margin-top:34px;list-style:none}
.approach-list li{padding:22px 0;border-top:1px solid var(--line);display:flex;gap:20px}
.approach-list li:last-child{border-bottom:1px solid var(--line)}
.approach-list .ai{font-family:var(--serif);font-size:1.4rem;color:var(--gold);min-width:42px}
.approach-list h4{font-size:1.2rem;color:var(--cream);margin-bottom:4px;font-weight:600}
.approach-list p{font-size:.9rem;color:var(--text-dim);font-weight:300}
.frame{position:relative;aspect-ratio:4/5;border:1px solid var(--line);background:linear-gradient(150deg,var(--navy-700),var(--navy-900));overflow:hidden}
.frame::before{content:"";position:absolute;inset:18px;border:1px solid rgba(198,163,91,.2)}
.frame-crest{position:absolute;inset:0;margin:auto;width:64%;height:auto;opacity:.5}
.frame-tag{position:absolute;left:0;bottom:0;background:var(--gold);color:var(--navy-950);padding:16px 26px;font-family:var(--serif);font-size:1.3rem}

/* ---------- PROSE / CONTENT ---------- */
.prose{max-width:760px}
.prose p{color:var(--text-dim);font-weight:300;font-size:1.05rem;margin-bottom:22px}
.prose p:last-child{margin-bottom:0}
.prose strong{color:var(--cream);font-weight:600}
.prose h3{font-size:1.7rem;color:var(--cream);margin:42px 0 16px}
.prose h4{font-size:1.2rem;color:var(--gold-bright);margin:32px 0 12px;font-family:var(--serif)}
.prose ul{list-style:none;margin:8px 0 26px}
.prose ul li{position:relative;padding:9px 0 9px 28px;color:var(--text-dim);font-weight:300;border-bottom:1px solid rgba(255,255,255,.05)}
.prose ul li::before{content:"";position:absolute;left:0;top:17px;width:9px;height:9px;border:1.5px solid var(--gold);transform:rotate(45deg)}
.lead-para{font-size:1.3rem;font-family:var(--serif);color:var(--cream);line-height:1.45;font-weight:400;margin-bottom:30px}

/* ---------- FEATURE CARDS ---------- */
.feat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.feat-grid.cols-2{grid-template-columns:repeat(2,1fr)}
.feat-grid.cols-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.feat-grid,.feat-grid.cols-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.feat-grid,.feat-grid.cols-2,.feat-grid.cols-4{grid-template-columns:1fr}}
.feat{border:1px solid var(--line);background:var(--navy-950);padding:34px 30px;transition:transform .4s,border-color .4s,background .4s}
.bg-900 .feat,.bg-950 .feat{background:rgba(255,255,255,.012)}
.feat:hover{transform:translateY(-5px);border-color:var(--gold)}
.feat .fi{width:38px;height:38px;stroke:var(--gold);stroke-width:1.3;fill:none;margin-bottom:18px}
.feat h4{font-size:1.25rem;color:var(--cream);margin-bottom:10px;font-weight:600;font-family:var(--serif)}
.feat p{font-size:.9rem;color:var(--text-dim);font-weight:300}

/* ---------- CAPABILITY LIST (numbered rows) ---------- */
.cap-list{border-top:1px solid var(--line)}
.cap{display:grid;grid-template-columns:64px 1fr;gap:26px;padding:30px 0;border-bottom:1px solid var(--line);align-items:start}
.cap .cn{font-family:var(--serif);font-size:1.5rem;color:var(--gold);line-height:1}
.cap h4{font-size:1.4rem;color:var(--cream);margin-bottom:8px;font-weight:500}
.cap p{color:var(--text-dim);font-weight:300;font-size:.98rem;max-width:720px}
@media(max-width:600px){.cap{grid-template-columns:1fr;gap:8px}}

/* ---------- PROCESS STEPS ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
@media(max-width:860px){.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.steps{grid-template-columns:1fr}}
.step{background:var(--navy-900);padding:34px 28px;position:relative}
.bg-950 .step{background:var(--navy-950)}
.step .sn{font-family:var(--serif);font-size:2.4rem;color:var(--gold-deep);line-height:1;margin-bottom:16px;opacity:.85}
.step h4{font-size:1.2rem;color:var(--cream);margin-bottom:8px;font-weight:600;font-family:var(--serif)}
.step p{font-size:.86rem;color:var(--text-dim);font-weight:300}

/* ---------- PULL QUOTE ---------- */
.pullquote{max-width:920px;margin:0 auto;text-align:center}
.pullquote .qmark{font-family:var(--serif);font-size:4rem;color:var(--gold);line-height:.5;opacity:.6}
.pullquote blockquote{font-family:var(--serif);font-size:clamp(1.6rem,3.4vw,2.5rem);color:var(--cream);line-height:1.32;font-weight:400;margin:24px 0 26px}
.pullquote cite{font-style:normal;font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}

/* ---------- CALLOUT ---------- */
.callout{border:1px solid var(--line);border-left:3px solid var(--gold);background:rgba(198,163,91,.05);padding:30px 34px;margin:30px 0}
.callout h4{font-size:1.25rem;color:var(--gold-bright);margin-bottom:10px;font-family:var(--serif)}
.callout p{color:var(--text-dim);font-weight:300;font-size:.98rem}

/* ---------- DATA TABLE ---------- */
.data-table{width:100%;border-collapse:collapse;font-size:.92rem}
.data-table th,.data-table td{text-align:left;padding:16px 20px;border-bottom:1px solid var(--line)}
.data-table th{font-family:var(--sans);font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);font-weight:600}
.data-table td{color:var(--text-dim);font-weight:300}
.data-table td:first-child{color:var(--cream);font-weight:500}
.data-table tr:hover td{background:rgba(255,255,255,.02)}

/* ---------- INSIGHTS CARDS ---------- */
.ins-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media(max-width:860px){.ins-grid{grid-template-columns:1fr}}
.ins-card{border:1px solid var(--line);background:var(--navy-950);transition:transform .4s ease,border-color .4s;text-decoration:none;color:inherit;display:block}
.bg-900 .ins-card{background:var(--navy-900)}
.ins-card:hover{transform:translateY(-6px);border-color:var(--gold)}
.ins-top{padding:28px 28px 0;display:flex;justify-content:space-between;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold)}
.ins-card h3{font-size:1.4rem;color:var(--cream);padding:18px 28px 0;line-height:1.2}
.ins-card p{padding:14px 28px 28px;color:var(--text-dim);font-size:.9rem;font-weight:300}

/* article list (insights index) */
.art-list{border-top:1px solid var(--line)}
.art{display:grid;grid-template-columns:160px 1fr auto;gap:30px;padding:32px 0;border-bottom:1px solid var(--line);align-items:center;text-decoration:none;color:inherit;transition:background .3s}
.art:hover{background:rgba(255,255,255,.015)}
.art .a-meta{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold)}
.art .a-meta .a-date{display:block;color:var(--text-faint);margin-top:6px;letter-spacing:.06em}
.art h3{font-size:1.5rem;color:var(--cream);margin-bottom:8px;transition:color .3s}
.art:hover h3{color:var(--gold-bright)}
.art p{font-size:.92rem;color:var(--text-dim);font-weight:300;max-width:640px}
.art .a-arrow{color:var(--gold);font-size:1.3rem;transition:transform .3s}
.art:hover .a-arrow{transform:translateX(6px)}
@media(max-width:760px){.art{grid-template-columns:1fr;gap:10px}.art .a-arrow{display:none}}

/* ---------- TEAM GRID ---------- */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media(max-width:860px){.team-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.team-grid{grid-template-columns:1fr}}
.member{border:1px solid var(--line);background:var(--navy-950);overflow:hidden;transition:border-color .4s,transform .4s}
.bg-900 .member{background:var(--navy-900)}
.member:hover{border-color:var(--gold);transform:translateY(-5px)}
.member .photo{aspect-ratio:1/1;background:linear-gradient(150deg,var(--navy-700),var(--navy-900));display:flex;align-items:center;justify-content:center;position:relative;border-bottom:1px solid var(--line)}
.member .photo .initials{font-family:var(--serif);font-size:3.2rem;color:var(--gold);opacity:.85}
.member .photo::after{content:"";position:absolute;inset:14px;border:1px solid rgba(198,163,91,.18)}
.member .m-body{padding:24px 26px}
.member h4{font-size:1.3rem;color:var(--cream);font-weight:500;margin-bottom:4px}
.member .role{font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.member p{font-size:.88rem;color:var(--text-dim);font-weight:300}

/* ---------- CREDENTIAL STRIP ---------- */
.cred-strip{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
.cred{border:1px solid var(--line);padding:14px 24px;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--text-dim);background:rgba(255,255,255,.012)}
.cred b{color:var(--gold);font-weight:600}

/* ---------- FAQ ---------- */
.faq-wrap{max-width:880px;margin:0 auto}
.faq{border-top:1px solid var(--line)}
.faq:last-child{border-bottom:1px solid var(--line)}
.faq-q{width:100%;text-align:left;background:none;border:none;cursor:pointer;padding:28px 8px;display:flex;justify-content:space-between;align-items:center;gap:24px;font-family:var(--serif);font-size:1.45rem;color:var(--cream);transition:color .3s}
.faq-q:hover{color:var(--gold-bright)}
.faq-icon{flex-shrink:0;width:26px;height:26px;position:relative}
.faq-icon::before,.faq-icon::after{content:"";position:absolute;background:var(--gold);transition:transform .35s ease}
.faq-icon::before{top:50%;left:0;width:100%;height:1.5px;transform:translateY(-50%)}
.faq-icon::after{left:50%;top:0;height:100%;width:1.5px;transform:translateX(-50%)}
.faq.open .faq-icon::after{transform:translateX(-50%) scaleY(0)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .45s ease}
.faq-a p{padding:0 8px 30px;color:var(--text-dim);font-weight:300;font-size:1rem;max-width:760px}

/* ---------- CONTACT FORM ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}
@media(max-width:900px){.contact-grid{grid-template-columns:1fr;gap:46px}}
.form{display:grid;gap:20px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:560px){.form .row{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:8px}
.field label{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold)}
.field input,.field select,.field textarea{
  background:var(--navy-950);border:1px solid var(--line);color:var(--cream);
  padding:14px 16px;font-family:var(--sans);font-size:.92rem;outline:none;transition:border-color .25s;border-radius:2px;
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--gold)}
.field textarea{resize:vertical;min-height:130px}
.field select{appearance:none;cursor:pointer}
.form .btn{justify-content:center;margin-top:6px}
.form-note{font-size:.76rem;color:var(--text-faint);font-weight:300}

.contact-aside{border:1px solid var(--line);padding:38px 34px;background:rgba(255,255,255,.012)}
.contact-aside h3{font-size:1.5rem;color:var(--cream);margin-bottom:24px}
.ci{display:flex;gap:16px;padding:18px 0;border-top:1px solid var(--line)}
.ci:first-of-type{border-top:none;padding-top:0}
.ci svg{width:22px;height:22px;stroke:var(--gold);fill:none;stroke-width:1.4;flex-shrink:0;margin-top:2px}
.ci .ci-l{font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:4px}
.ci .ci-v{color:var(--cream);font-size:.95rem;font-weight:300}
.ci .ci-v a{color:var(--cream);text-decoration:none;transition:color .25s}
.ci .ci-v a:hover{color:var(--gold-bright)}

/* office cards */
.office-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:860px){.office-grid{grid-template-columns:1fr}}
.office{border:1px solid var(--line);padding:30px 28px;background:var(--navy-950)}
.bg-900 .office{background:var(--navy-900)}
.office .o-city{font-family:var(--serif);font-size:1.4rem;color:var(--gold-bright);margin-bottom:4px}
.office .o-tag{font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:18px}
.office p{font-size:.9rem;color:var(--text-dim);font-weight:300;line-height:1.7}

/* ---------- CTA ---------- */
.cta{background:linear-gradient(rgba(5,13,28,.8),rgba(5,13,28,.92)),radial-gradient(70% 130% at 80% 20%,var(--gold-deep),var(--navy-950));text-align:center}
.cta h2{font-size:clamp(2.6rem,5vw,4rem);margin:24px auto 22px;max-width:780px}
.cta p{color:var(--text-dim);max-width:520px;margin:0 auto 36px;font-weight:300;font-size:1.05rem}
.cta-btns{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}

/* ---------- FOOTER ---------- */
footer{background:var(--navy-950);border-top:1px solid var(--line);padding:80px 0 36px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:48px;padding-bottom:56px;border-bottom:1px solid rgba(255,255,255,.08)}
@media(max-width:860px){.foot-grid{grid-template-columns:1fr 1fr;gap:40px 28px}}
@media(max-width:520px){.foot-grid{grid-template-columns:1fr}}
.foot-brand .brand{margin-bottom:20px}
.foot-brand p{color:var(--text-dim);font-size:.9rem;font-weight:300;max-width:300px;margin-bottom:24px}
.news{display:flex;border:1px solid var(--line);max-width:320px}
.news input{flex:1;background:transparent;border:none;color:var(--cream);padding:13px 16px;font-family:var(--sans);font-size:.85rem;outline:none}
.news input::placeholder{color:var(--text-dim)}
.news button{background:var(--gold);border:none;color:var(--navy-950);padding:0 18px;cursor:pointer;font-size:1.1rem;transition:background .3s}
.news button:hover{background:var(--gold-bright)}
.foot-col h5{font-size:.74rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:20px}
.foot-col a{display:block;color:var(--text-dim);text-decoration:none;font-size:.9rem;padding:7px 0;transition:color .25s}
.foot-col a:hover{color:var(--gold-bright)}
.foot-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:30px;gap:20px;flex-wrap:wrap}
.foot-bottom p{color:var(--text-dim);font-size:.78rem}
.foot-social{display:flex;gap:16px}
.foot-social a{color:var(--text-dim);transition:color .3s}
.foot-social a:hover{color:var(--gold-bright)}
.disclaimer{margin-top:24px;color:rgba(245,240,230,.4);font-size:.72rem;line-height:1.7;font-weight:300}

/* ---------- HELPERS ---------- */
.mt-0{margin-top:0}
.center-btns{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:44px}