:root {
  --navy-950: #071324;
  --navy-900: #0b1d36;
  --navy-800: #132d52;
  --navy-700: #1e4273;
  --gold-500: #b8944f;
  --gold-600: #9d7b3a;
  --gold-100: #f7f2e7;
  --slate-900: #0f172a;
  --slate-700: #334155;
  --slate-500: #64748b;
  --slate-300: #cbd5e1;
  --slate-200: #e2e8f0;
  --slate-100: #f1f5f9;
  --slate-50: #f8fafc;
  --white: #ffffff;
  --font-serif: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  --max-width: 1180px;
  --radius: 6px;
  --shadow-sm: 0 1px 3px rgba(7, 19, 36, 0.08);
  --shadow-md: 0 10px 30px rgba(7, 19, 36, 0.08);
  --shadow-lg: 0 20px 50px rgba(7, 19, 36, 0.14);
}

*, *::before, *::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--slate-900);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: inherit;
  text-decoration: none;
}

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* Top Utility Bar */
.topbar {
  background: var(--navy-950);
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.8125rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.topbar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 0;
  gap: 16px;
  flex-wrap: wrap;
}

.topbar-links {
  display: flex;
  align-items: center;
  gap: 20px;
}

.topbar a:hover {
  color: var(--white);
}

/* Header & Navigation */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--slate-200);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
}

.brand-mark {
  width: 40px;
  height: 40px;
  flex-shrink: 0;
}

.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.brand-name {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--navy-900);
}

.brand-sub {
  font-size: 0.6875rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-600);
  font-weight: 600;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}

.main-nav a {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--slate-700);
  transition: color 0.18s ease;
  position: relative;
}

.main-nav a:hover,
.main-nav a.active {
  color: var(--navy-900);
}

.main-nav a.active::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -6px;
  height: 2px;
  background: var(--gold-500);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--slate-300);
  border-radius: var(--radius);
  padding: 8px 10px;
  cursor: pointer;
  color: var(--navy-900);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius);
  font-size: 0.9375rem;
  font-weight: 600;
  cursor: pointer;
  border: 1px solid transparent;
  transition: all 0.2s ease;
}

.btn-sm {
  padding: 9px 18px;
  font-size: 0.875rem;
}

.btn-primary {
  background: var(--navy-900);
  color: var(--white);
}

.btn-primary:hover {
  background: var(--navy-800);
}

.btn-gold {
  background: var(--gold-500);
  color: var(--white);
}

.btn-gold:hover {
  background: var(--gold-600);
}

.btn-outline {
  background: transparent;
  color: var(--navy-900);
  border-color: var(--slate-300);
}

.btn-outline:hover {
  border-color: var(--navy-900);
  background: var(--slate-50);
}

.btn-outline-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.35);
}

.btn-outline-light:hover {
  border-color: var(--white);
  background: rgba(255, 255, 255, 0.08);
}

/* Hero Section */
.hero {
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 55%, var(--navy-800) 100%);
  color: var(--white);
  padding: 92px 0 88px;
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 82% 24%, rgba(184, 148, 79, 0.16), transparent 48%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 56px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-500);
  margin-bottom: 18px;
}

.eyebrow::before {
  content: "";
  width: 28px;
  height: 1px;
  background: var(--gold-500);
}

.hero h1 {
  font-family: var(--font-serif);
  font-size: clamp(2.35rem, 4.4vw, 3.6rem);
  font-weight: 600;
  line-height: 1.12;
  margin: 0 0 22px;
  color: var(--white);
}

.hero-lead {
  font-size: 1.08rem;
  color: rgba(255, 255, 255, 0.84);
  max-width: 580px;
  margin: 0 0 34px;
}

.hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.hero-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 10px;
  padding: 32px;
  backdrop-filter: blur(8px);
}

.hero-card-title {
  font-family: var(--font-serif);
  font-size: 1.45rem;
  margin: 0 0 18px;
  color: var(--white);
}

.hero-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 16px;
}

.hero-list li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 0.9375rem;
  color: rgba(255, 255, 255, 0.86);
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.09);
}

.hero-list li:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.hero-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold-500);
  margin-top: 8px;
  flex-shrink: 0;
}

/* Sections */
.section {
  padding: 84px 0;
}

.section-alt {
  background: var(--slate-50);
  border-top: 1px solid var(--slate-200);
  border-bottom: 1px solid var(--slate-200);
}

.section-head {
  max-width: 680px;
  margin-bottom: 48px;
}

.section-head h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.9rem, 3vw, 2.55rem);
  font-weight: 600;
  line-height: 1.2;
  color: var(--navy-900);
  margin: 0 0 14px;
}

.section-head p {
  margin: 0;
  color: var(--slate-500);
  font-size: 1.03rem;
}

/* Cards Grid */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 8px;
  padding: 32px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--slate-300);
}

.card-num {
  font-family: var(--font-serif);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--gold-500);
  margin-bottom: 12px;
}

.card h3 {
  font-family: var(--font-serif);
  font-size: 1.45rem;
  margin: 0 0 12px;
  color: var(--navy-900);
}

.card p {
  margin: 0 0 18px;
  color: var(--slate-700);
  font-size: 0.95rem;
}

.card-link {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy-800);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.card-link:hover {
  color: var(--gold-600);
}

/* Pillars / Split Layout */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}

.pillar-list {
  display: grid;
  gap: 20px;
}

.pillar-item {
  padding: 22px 24px;
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-left: 3px solid var(--gold-500);
  border-radius: var(--radius);
}

.pillar-item h3 {
  margin: 0 0 6px;
  font-size: 1.05rem;
  color: var(--navy-900);
}

.pillar-item p {
  margin: 0;
  font-size: 0.925rem;
  color: var(--slate-700);
}

.info-panel {
  background: var(--navy-900);
  color: var(--white);
  padding: 40px;
  border-radius: 10px;
  box-shadow: var(--shadow-lg);
}

.info-panel h3 {
  font-family: var(--font-serif);
  font-size: 1.8rem;
  margin: 0 0 16px;
}

.info-panel p {
  color: rgba(255, 255, 255, 0.82);
  margin: 0 0 24px;
}

.stat-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  margin-top: 26px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.stat-label {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold-500);
}

.stat-val {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 600;
  margin-top: 4px;
}

/* Interactive Allocation Preview */
.allocator {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 10px;
  padding: 36px;
  box-shadow: var(--shadow-md);
}

.allocator-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 28px;
}

.tab-btn {
  padding: 9px 18px;
  border-radius: var(--radius);
  border: 1px solid var(--slate-300);
  background: var(--slate-50);
  color: var(--slate-700);
  font-weight: 600;
  font-size: 0.875rem;
  cursor: pointer;
  transition: all 0.15s ease;
}

.tab-btn.active {
  background: var(--navy-900);
  color: var(--white);
  border-color: var(--navy-900);
}

.alloc-bars {
  display: grid;
  gap: 14px;
}

.alloc-row-head {
  display: flex;
  justify-content: space-between;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--slate-700);
  margin-bottom: 6px;
}

.alloc-track {
  height: 10px;
  background: var(--slate-100);
  border-radius: 999px;
  overflow: hidden;
}

.alloc-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--navy-800), var(--gold-500));
  border-radius: 999px;
  transition: width 0.35s ease;
}

/* CTA Band */
.cta-band {
  background: var(--gold-100);
  border-top: 1px solid rgba(184, 148, 79, 0.25);
  border-bottom: 1px solid rgba(184, 148, 79, 0.25);
  padding: 64px 0;
}

.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}

.cta-inner h2 {
  font-family: var(--font-serif);
  font-size: 2rem;
  margin: 0 0 8px;
  color: var(--navy-900);
}

.cta-inner p {
  margin: 0;
  color: var(--slate-700);
}

/* Page Banner (Subpages) */
.page-hero {
  background: var(--navy-900);
  color: var(--white);
  padding: 58px 0;
}

.page-hero h1 {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 3.5vw, 2.8rem);
  margin: 0 0 10px;
}

.page-hero p {
  margin: 0;
  color: rgba(255, 255, 255, 0.8);
  max-width: 660px;
}

/* Forms & Legal Content */
.form-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 8px;
  padding: 36px;
  box-shadow: var(--shadow-sm);
}

.form-grid {
  display: grid;
  gap: 18px;
}

.field label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy-900);
  margin-bottom: 6px;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1px solid var(--slate-300);
  border-radius: var(--radius);
  font: inherit;
  font-size: 0.95rem;
  color: var(--slate-900);
  background: var(--white);
}

.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--navy-700);
  box-shadow: 0 0 0 3px rgba(30, 66, 115, 0.12);
}

.form-notice {
  display: none;
  padding: 14px 16px;
  border-radius: var(--radius);
  background: #ecfdf5;
  border: 1px solid #a7f3d0;
  color: #065f46;
  font-size: 0.92rem;
}

.form-notice.show {
  display: block;
}

.legal-box {
  max-width: 820px;
}

.legal-box h2 {
  font-family: var(--font-serif);
  font-size: 1.6rem;
  color: var(--navy-900);
  margin: 32px 0 10px;
}

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

.legal-box p,
.legal-box li {
  color: var(--slate-700);
}

.placeholder-tag {
  display: inline-block;
  padding: 2px 8px;
  border-radius: 4px;
  background: var(--gold-100);
  color: var(--gold-600);
  font-family: monospace;
  font-size: 0.85em;
}

/* Footer */
.site-footer {
  background: var(--navy-950);
  color: rgba(255, 255, 255, 0.76);
  padding: 64px 0 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 36px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-title {
  color: var(--white);
  font-weight: 600;
  font-size: 0.9375rem;
  margin: 0 0 14px;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 9px;
  font-size: 0.9rem;
}

.footer-links a:hover {
  color: var(--white);
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  padding-top: 24px;
  font-size: 0.8125rem;
  color: rgba(255, 255, 255, 0.56);
}

/* Responsive */
@media (max-width: 960px) {
  .hero-grid,
  .split,
  .grid-3,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .main-nav {
    display: none;
    position: absolute;
    top: 78px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: flex-start;
    padding: 20px 24px;
    gap: 16px;
    border-bottom: 1px solid var(--slate-200);
    box-shadow: var(--shadow-md);
  }

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

  .nav-toggle {
    display: inline-flex;
  }

  .header-actions .btn-outline {
    display: none;
  }
}

@media (max-width: 640px) {
  .grid-2,
  .stat-row {
    grid-template-columns: 1fr;
  }

  .hero {
    padding: 64px 0;
  }

  .section {
    padding: 60px 0;
  }
}