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

:root {
    --navy: #1e3a5f;
    --navy-dark: #152a45;
    --gold: #c9a227;
    --gold-dark: #a8861f;
    --teal: #0d9488;
    --teal-dark: #0f766e;
    --white: #ffffff;
    --bg: #f8fafc;
    --bg-alt: #f1f5f9;
    --text: #0f172a;
    --text-muted: #64748b;
    --border: #e2e8f0;
    --success: #10b981;
    --error: #ef4444;
    --radius: 12px;
    --shadow: 0 4px 20px rgba(15, 23, 42, 0.08);
    --header-h: 80px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', system-ui, sans-serif; color: var(--text); background: var(--white); line-height: 1.6; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container { width: min(1200px, 92vw); margin: 0 auto; }
.section { padding: 5rem 0; }
.section-alt { background: var(--bg); }
.section-dark { background: var(--navy); color: var(--white); }
.section-header { text-align: center; max-width: 640px; margin: 0 auto 3rem; }
.section-header h2 { font-size: clamp(1.75rem, 3vw, 2.25rem); font-weight: 800; letter-spacing: -0.02em; margin-bottom: .75rem; }
.section-header p { color: var(--text-muted); font-size: 1.05rem; }
.section-dark .section-header p { color: rgba(255,255,255,.75); }

/* Buttons */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
    padding: .85rem 1.5rem; border-radius: 10px; font: inherit; font-weight: 600; font-size: .95rem;
    border: 2px solid transparent; cursor: pointer; transition: background .2s, color .2s, border-color .2s;
}
.btn-primary { background: var(--teal); color: var(--white); }
.btn-primary:hover { background: var(--teal-dark); }
.btn-secondary { background: var(--navy); color: var(--white); }
.btn-secondary:hover { background: var(--navy-dark); }
.btn-outline { background: transparent; border-color: var(--white); color: var(--white); }
.btn-outline:hover { background: var(--white); color: var(--navy); }
.btn-outline-dark { background: transparent; border-color: var(--border); color: var(--text); }
.btn-outline-dark:hover { border-color: var(--navy); color: var(--navy); }
.btn-gold { background: var(--gold); color: var(--navy-dark); }
.btn-gold:hover { background: var(--gold-dark); color: var(--white); }
.btn-lg { padding: 1rem 2rem; font-size: 1rem; }

/* Header */
.site-header {
    position: sticky; top: 0; z-index: 1000;
    background: var(--white); border-bottom: 1px solid var(--border);
    height: var(--header-h);
}
.header-inner {
    display: flex; align-items: center; justify-content: space-between;
    height: var(--header-h); gap: 1.5rem;
}
.brand { display: flex; align-items: center; gap: .75rem; flex-shrink: 0; }
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-text strong { font-size: 1rem; font-weight: 800; color: var(--navy); letter-spacing: -0.02em; }
.brand-text small { font-size: .7rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: .04em; }

.main-nav { display: flex; align-items: center; gap: .25rem; }
.nav-link {
    display: inline-flex; align-items: center; gap: .35rem;
    padding: .55rem 1rem; border-radius: 8px; font-weight: 500; font-size: .9rem;
    color: var(--text); background: none; border: none; cursor: pointer; font-family: inherit;
    transition: background .2s, color .2s;
}
.nav-link:hover { background: var(--bg); color: var(--navy); }
.nav-link.active { background: var(--navy); color: var(--white); }

.nav-dropdown { position: relative; }
.nav-dropdown-menu {
    position: absolute; top: calc(100% + 8px); left: 0; min-width: 220px;
    background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
    box-shadow: var(--shadow); padding: .5rem; opacity: 0; visibility: hidden; transform: translateY(-8px);
    transition: opacity .2s, transform .2s, visibility .2s;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown.open .nav-dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-dropdown-menu a {
    display: block; padding: .65rem 1rem; border-radius: 8px; font-size: .9rem; color: var(--text);
}
.nav-dropdown-menu a:hover { background: var(--bg); color: var(--navy); }
.nav-dropdown-menu a.active { background: var(--bg-alt); color: var(--navy); font-weight: 600; }

.header-actions { display: flex; align-items: center; gap: .75rem; }
.header-phone {
    display: flex; align-items: center; justify-content: center;
    width: 40px; height: 40px; border-radius: 10px; border: 1px solid var(--border); color: var(--navy);
}
.header-phone:hover { border-color: var(--teal); color: var(--teal); }
.btn-banking { padding: .65rem 1.15rem; font-size: .875rem; }
.client-login-link {
    font-size: .85rem;
    font-weight: 500;
    color: var(--text-muted);
    padding: .4rem .6rem;
}
.client-login-link:hover { color: var(--navy); background: transparent; }

.mobile-toggle {
    display: none; flex-direction: column; gap: 5px;
    background: none; border: none; cursor: pointer; padding: 4px;
}
.mobile-toggle span { display: block; width: 22px; height: 2px; background: var(--text); border-radius: 2px; transition: transform .2s; }

/* Hero */
.hero {
    background: var(--navy);
    color: var(--white);
    padding: 5rem 0 0;
    overflow: hidden;
}
.hero-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center;
    min-height: 520px;
}
.hero-content { padding-bottom: 4rem; }
.hero-badge {
    display: inline-block; background: var(--gold); color: var(--navy-dark);
    padding: .35rem .85rem; border-radius: 20px; font-size: .8rem; font-weight: 700;
    text-transform: uppercase; letter-spacing: .05em; margin-bottom: 1.25rem;
}
.hero h1 {
    font-size: clamp(2.25rem, 4.5vw, 3.5rem); font-weight: 800;
    line-height: 1.1; letter-spacing: -0.03em; margin-bottom: 1.25rem;
}
.hero h1 span { color: var(--gold); }
.hero-lead { font-size: 1.15rem; color: rgba(255,255,255,.8); margin-bottom: 2rem; max-width: 520px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; margin-bottom: 2.5rem; }
.hero-stats { display: flex; gap: 2.5rem; flex-wrap: wrap; }
.hero-stat strong { display: block; font-size: 1.75rem; font-weight: 800; color: var(--gold); }
.hero-stat span { font-size: .85rem; color: rgba(255,255,255,.65); }

.hero-visual { position: relative; display: flex; align-items: flex-end; justify-content: center; }
.hero-card-stack { position: relative; width: 100%; max-width: 420px; height: 400px; }
.hero-card {
    position: absolute; background: var(--white); color: var(--text);
    border-radius: 16px; padding: 1.5rem; box-shadow: var(--shadow); width: 280px;
}
.hero-card-main { bottom: 0; right: 0; z-index: 3; }
.hero-card-float { top: 20px; left: 0; z-index: 2; background: var(--teal); color: var(--white); }
.hero-card-float2 { top: 100px; right: 20px; z-index: 1; background: var(--gold); color: var(--navy-dark); }
.hero-card label { font-size: .75rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: .05em; }
.hero-card-float label { color: rgba(255,255,255,.75); }
.hero-card .amount { font-size: 1.75rem; font-weight: 800; margin: .25rem 0 .75rem; }
.hero-card .change { font-size: .85rem; font-weight: 600; color: var(--success); }
.hero-card-float .change { color: rgba(255,255,255,.9); }

/* Trust bar */
.trust-bar { background: var(--white); border-bottom: 1px solid var(--border); padding: 1.25rem 0; }
.trust-items { display: flex; justify-content: center; flex-wrap: wrap; gap: 2rem 3rem; }
.trust-item { display: flex; align-items: center; gap: .65rem; font-size: .9rem; font-weight: 500; color: var(--text-muted); }
.trust-item svg { color: var(--teal); flex-shrink: 0; }

/* Feature cards */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.feature-card {
    background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 2rem; transition: box-shadow .2s, border-color .2s;
}
.feature-card:hover { box-shadow: var(--shadow); border-color: var(--teal); }
.feature-icon {
    width: 52px; height: 52px; border-radius: 12px; background: var(--bg);
    display: flex; align-items: center; justify-content: center; margin-bottom: 1.25rem;
    color: var(--navy);
}
.feature-card h3 { font-size: 1.15rem; font-weight: 700; margin-bottom: .5rem; }
.feature-card p { color: var(--text-muted); font-size: .95rem; }
.feature-card a { display: inline-flex; align-items: center; gap: .35rem; margin-top: 1rem; font-weight: 600; font-size: .9rem; color: var(--teal); }
.feature-card a:hover { color: var(--teal-dark); }

/* Products */
.products-section {
    position: relative;
}

.products-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.25rem;
}

.product-card {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
    background:
        linear-gradient(165deg, rgba(13, 148, 136, .06), transparent 42%),
        var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.6rem 1.5rem 1.45rem;
    transition: border-color .2s, transform .2s, box-shadow .2s;
    color: inherit;
    min-height: 100%;
}

.product-card:hover {
    border-color: rgba(201, 162, 39, .55);
    transform: translateY(-4px);
    box-shadow: 0 14px 36px rgba(15, 28, 46, .08);
    text-decoration: none;
}

.product-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 2.75rem;
    height: 2.75rem;
    border-radius: 10px;
    background: rgba(30, 58, 95, .08);
    color: var(--navy);
    margin-bottom: 1rem;
}

.product-card:hover .product-icon {
    background: rgba(13, 148, 136, .12);
    color: var(--teal);
}

.product-tag {
    font-size: .7rem;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    color: var(--gold-dark);
    margin-bottom: .55rem;
}

.product-card h3 {
    font-size: 1.1rem;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -.02em;
    margin-bottom: .45rem;
    line-height: 1.3;
}

.product-meta {
    font-size: .92rem;
    font-weight: 700;
    color: var(--teal);
    margin: 0 0 .65rem;
}

.product-card p {
    font-size: .9rem;
    color: var(--text-muted);
    line-height: 1.6;
    margin: 0;
    flex: 1;
}

.product-link {
    display: inline-flex;
    align-items: center;
    gap: .35rem;
    margin-top: 1.15rem;
    font-size: .88rem;
    font-weight: 700;
    color: var(--navy);
}

.product-link::after {
    content: '→';
    transition: transform .2s;
}

.product-card:hover .product-link {
    color: var(--teal);
}

.product-card:hover .product-link::after {
    transform: translateX(3px);
}

/* Keep older .rate usage if referenced elsewhere */
.product-card .rate {
    font-size: 1.05rem;
    font-weight: 800;
    color: var(--teal);
    margin: .35rem 0 .65rem;
}

/* Highlights / stats band */
.highlights-section {
    position: relative;
    overflow: hidden;
    padding: 2.75rem 0;
    background:
        radial-gradient(ellipse 60% 120% at 0% 50%, rgba(13, 148, 136, .35), transparent 55%),
        radial-gradient(ellipse 50% 100% at 100% 50%, rgba(201, 162, 39, .18), transparent 50%),
        linear-gradient(135deg, #152a45 0%, var(--navy) 50%, #1a4060 100%);
    color: rgba(255, 255, 255, .85);
}

.highlights-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.25rem;
}

.highlight-item {
    display: flex;
    align-items: flex-start;
    gap: .9rem;
    padding: 1.15rem 1.2rem;
    border: 1px solid rgba(255, 255, 255, .12);
    border-radius: var(--radius);
    background: rgba(255, 255, 255, .04);
    transition: background .2s, border-color .2s, transform .2s;
}

.highlight-item:hover {
    background: rgba(255, 255, 255, .08);
    border-color: rgba(201, 162, 39, .45);
    transform: translateY(-2px);
}

.highlight-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 2.5rem;
    height: 2.5rem;
    border-radius: 10px;
    background: rgba(201, 162, 39, .15);
    color: var(--gold);
    flex-shrink: 0;
}

.highlight-item strong {
    display: block;
    font-size: 1.05rem;
    font-weight: 800;
    color: var(--white);
    letter-spacing: -.02em;
    margin-bottom: .2rem;
}

.highlight-item span {
    display: block;
    font-size: .85rem;
    line-height: 1.45;
    color: rgba(255, 255, 255, .7);
}

/* Legacy stats (kept for compatibility) */
.stats-section { background: var(--teal); color: var(--white); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; text-align: center; }
.stat-item strong { display: block; font-size: 2.5rem; font-weight: 800; }
.stat-item span { font-size: .9rem; opacity: .85; }

/* Steps */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.step-card { text-align: center; padding: 1.5rem; }
.step-num {
    width: 48px; height: 48px; border-radius: 50%; background: var(--navy); color: var(--white);
    display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 1.1rem;
    margin: 0 auto 1rem;
}
.step-card h3 { font-size: 1.1rem; margin-bottom: .5rem; }
.step-card p { color: var(--text-muted); font-size: .95rem; }

/* Testimonials */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.testimonial-card {
    background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 1.75rem;
}
.testimonial-card .stars { color: var(--gold); font-size: 1rem; margin-bottom: 1rem; }
.testimonial-card blockquote { font-size: .95rem; color: var(--text); margin-bottom: 1.25rem; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: .75rem; }
.author-avatar {
    width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: var(--white);
    display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .85rem;
}
.author-info strong { display: block; font-size: .9rem; }
.author-info span { font-size: .8rem; color: var(--text-muted); }

/* FAQ */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-question {
    width: 100%; text-align: left; background: none; border: none; padding: 1.25rem 0;
    font: inherit; font-weight: 600; font-size: 1rem; cursor: pointer;
    display: flex; justify-content: space-between; align-items: center; color: var(--text);
}
.faq-question svg { flex-shrink: 0; transition: transform .2s; color: var(--text-muted); }
.faq-item.open .faq-question svg { transform: rotate(180deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-item.open .faq-answer { max-height: 200px; }
.faq-answer p { padding-bottom: 1.25rem; color: var(--text-muted); font-size: .95rem; }

/* CTA */
.cta-banner {
    background: var(--navy); color: var(--white); border-radius: 20px;
    padding: 3.5rem; display: flex; align-items: center; justify-content: space-between; gap: 2rem;
    flex-wrap: wrap;
}
.cta-banner h2 { font-size: 1.75rem; font-weight: 800; margin-bottom: .5rem; }
.cta-banner p { opacity: .8; }

/* Page hero (inner pages) */
.page-hero {
    position: relative;
    overflow: hidden;
    background: var(--navy);
    color: var(--white);
    padding: 4rem 0;
}
.page-hero-rich {
    background:
        radial-gradient(ellipse 70% 80% at 85% 20%, rgba(13, 148, 136, .28), transparent 55%),
        radial-gradient(ellipse 50% 60% at 5% 90%, rgba(201, 162, 39, .16), transparent 50%),
        linear-gradient(145deg, #152a45 0%, var(--navy) 55%, #1a4060 100%);
    padding: 4.5rem 0 4rem;
}
.page-hero h1 { font-size: clamp(2rem, 4vw, 2.75rem); font-weight: 800; margin-bottom: .75rem; }
.page-hero p { font-size: 1.1rem; opacity: .8; max-width: 600px; }
.page-hero-brand {
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: .75rem;
    opacity: 1;
}
.page-hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: .75rem;
    margin-top: 1.5rem;
}
.breadcrumb { display: flex; gap: .5rem; font-size: .85rem; margin-bottom: 1rem; opacity: .7; }
.breadcrumb a:hover { opacity: 1; text-decoration: underline; }

.about-story-grid {
    display: grid;
    grid-template-columns: 1.2fr .9fr;
    gap: 2.5rem;
    align-items: start;
}
.about-panel {
    background:
        linear-gradient(165deg, rgba(13, 148, 136, .12), transparent 45%),
        var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 2rem;
}
.about-panel h3 {
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 1.25rem;
}
.about-panel-list {
    display: flex;
    flex-direction: column;
    gap: 1.15rem;
}
.about-panel-list li {
    padding: 0;
}
.about-panel-list strong {
    display: block;
    color: var(--navy);
    font-size: .95rem;
    margin-bottom: .25rem;
}
.about-panel-list span {
    color: var(--text-muted);
    font-size: .9rem;
    line-height: 1.55;
}

.about-panel-intro {
    color: var(--text-muted);
    font-size: .92rem;
    line-height: 1.6;
    margin-bottom: 1.25rem;
}

.approach-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: .75rem;
    margin-bottom: 1.25rem;
}

.approach-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: .9rem 1rem;
}

.approach-card h4 {
    font-size: .92rem;
    color: var(--navy);
    margin-bottom: .2rem;
}

.approach-card p {
    font-size: .8rem;
    color: var(--teal);
    font-weight: 600;
    margin: 0;
}

.approach-cta {
    width: 100%;
}

.content-block a {
    color: var(--teal);
    font-weight: 600;
}

.content-block a:hover {
    text-decoration: underline;
}

.content-block a.btn {
    color: inherit;
    font-weight: 600;
    text-decoration: none;
}

.content-block a.btn-primary {
    color: var(--white);
}

.content-block a.btn:hover {
    text-decoration: none;
}

.inline-actions {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
    margin-top: 1.5rem;
}

.stock-dash-badge {
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .06em;
    text-transform: uppercase;
    color: var(--teal);
    background: rgba(13, 148, 136, .1);
    border: 1px solid rgba(13, 148, 136, .25);
    padding: .3rem .55rem;
    border-radius: 6px;
}
.stock-dash-badge-live {
    color: #047857;
    background: rgba(16, 185, 129, .12);
    border-color: rgba(16, 185, 129, .35);
}

.live-quotes-cta {
    width: 100%;
    margin-top: 1rem;
}

.ticker-item em {
    font-style: normal;
    font-weight: 600;
    margin-left: .25rem;
}
.ticker-item em.positive { color: #6ee7b7; }
.ticker-item em.negative { color: #fca5a5; }

.hero-card .change.positive { color: #6ee7b7; }
.hero-card .change.negative { color: #fca5a5; }

.stock-dash-note {
    font-size: .85rem;
    color: var(--text-muted);
    margin-bottom: 1rem;
}
.market-label {
    display: inline-block;
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--gold-dark);
    background: rgba(201, 162, 39, .12);
    border: 1px solid rgba(201, 162, 39, .3);
    padding: .3rem .55rem;
    border-radius: 6px;
    margin-bottom: .75rem;
}
.pricing-heading {
    text-align: center;
    margin-bottom: 1rem;
    font-size: 1.75rem;
    font-weight: 800;
    color: var(--navy);
}
.pricing-sub {
    text-align: center;
    color: var(--text-muted);
    margin-bottom: 2rem;
}
.cta-banner-plain {
    background: transparent;
    padding: 0;
}

/* Content blocks */
.content-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }
.content-block h2 { font-size: 1.75rem; font-weight: 800; margin-bottom: 1rem; }
.content-block p { color: var(--text-muted); margin-bottom: 1rem; }
.content-block ul { margin: 1rem 0; }
.content-block li {
    padding: .5rem 0 .5rem 1.5rem; position: relative; color: var(--text-muted);
}
.content-block li::before {
    content: ''; position: absolute; left: 0; top: .85rem;
    width: 8px; height: 8px; border-radius: 50%; background: var(--teal);
}
.info-panel {
    background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius); padding: 2rem;
}
.info-panel h3 { font-size: 1.1rem; margin-bottom: 1rem; }
.info-panel .highlight { font-size: 2rem; font-weight: 800; color: var(--teal); }

/* Contact */
.contact-hero {
    position: relative;
    overflow: hidden;
    background:
        radial-gradient(ellipse 70% 80% at 85% 20%, rgba(13, 148, 136, .28), transparent 55%),
        radial-gradient(ellipse 50% 60% at 5% 90%, rgba(201, 162, 39, .16), transparent 50%),
        linear-gradient(145deg, #152a45 0%, var(--navy) 55%, #1a4060 100%);
    padding: 4.5rem 0 4rem;
}

.contact-hero-brand {
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: .75rem;
}

.contact-section { padding-top: 3.5rem; }

.contact-layout {
    display: grid;
    grid-template-columns: minmax(0, .95fr) minmax(0, 1.35fr);
    gap: 2rem;
    align-items: start;
}

.contact-aside-card {
    background:
        linear-gradient(165deg, rgba(13, 148, 136, .18), transparent 40%),
        linear-gradient(180deg, #1e3a5f 0%, #152a45 100%);
    color: rgba(255, 255, 255, .82);
    border: 1px solid rgba(255, 255, 255, .08);
    border-radius: var(--radius);
    padding: 2rem;
    position: sticky;
    top: calc(var(--header-h) + 1rem);
}

.contact-aside-card h2 {
    color: var(--white);
    font-size: 1.35rem;
    font-weight: 800;
    letter-spacing: -.02em;
    margin-bottom: .5rem;
}

.contact-aside-lead {
    font-size: .95rem;
    line-height: 1.6;
    margin-bottom: 1.75rem;
    color: rgba(255, 255, 255, .7);
}

.contact-channel {
    display: flex;
    gap: .9rem;
    align-items: flex-start;
    padding: 1rem 0;
    border-top: 1px solid rgba(255, 255, 255, .1);
    color: inherit;
    transition: color .2s;
}

.contact-channel:last-child { padding-bottom: 0; }

.contact-channel strong {
    display: block;
    color: var(--white);
    font-size: .82rem;
    font-weight: 700;
    letter-spacing: .04em;
    text-transform: uppercase;
    margin-bottom: .2rem;
}

.contact-channel span span {
    font-size: .95rem;
    line-height: 1.5;
}

a.contact-channel:hover { color: var(--gold); }
a.contact-channel:hover strong { color: var(--gold); }

.contact-channel-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 2.35rem;
    height: 2.35rem;
    border-radius: 10px;
    background: rgba(201, 162, 39, .14);
    color: var(--gold);
    flex-shrink: 0;
}

.contact-form-panel {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 2rem 2.15rem 2.25rem;
    box-shadow: 0 12px 40px rgba(15, 28, 46, .06);
}

.contact-form-head {
    margin-bottom: 1.5rem;
    padding-bottom: 1.25rem;
    border-bottom: 1px solid var(--border);
}

.contact-form-head h2 {
    font-size: 1.45rem;
    font-weight: 800;
    letter-spacing: -.02em;
    color: var(--navy);
    margin-bottom: .35rem;
}

.contact-form-head p {
    color: var(--text-muted);
    font-size: .95rem;
}

.contact-form .form-group { margin-bottom: 1.15rem; }
.contact-form .form-group label {
    display: block;
    font-weight: 600;
    font-size: .84rem;
    color: var(--navy);
    margin-bottom: .45rem;
}

.contact-form .form-group input,
.contact-form .form-group select,
.contact-form .form-group textarea {
    width: 100%;
    padding: .8rem 1rem;
    border: 1.5px solid var(--border);
    border-radius: 10px;
    font: inherit;
    background: var(--bg);
    color: var(--text);
    transition: border-color .2s, box-shadow .2s, background .2s;
}

.contact-form .form-group input:focus,
.contact-form .form-group select:focus,
.contact-form .form-group textarea:focus {
    outline: none;
    border-color: var(--teal);
    background: var(--white);
    box-shadow: 0 0 0 4px rgba(13, 148, 136, .12);
}

.contact-form-note {
    font-size: .8rem;
    color: var(--text-muted);
    margin: -.25rem 0 1.25rem;
    line-height: 1.5;
}

.contact-form-note a {
    color: var(--teal);
    text-decoration: underline;
}

.contact-submit { width: 100%; }

.contact-next { border-top: 1px solid var(--border); }

.contact-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.75rem;
}

.contact-step {
    padding: 1.5rem 0 0;
    border-top: 2px solid var(--gold);
}

.contact-step-num {
    display: block;
    font-size: .8rem;
    font-weight: 700;
    letter-spacing: .12em;
    color: var(--teal);
    margin-bottom: .75rem;
}

.contact-step h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: .5rem;
}

.contact-step p {
    color: var(--text-muted);
    font-size: .95rem;
    line-height: 1.65;
}

.form-group { margin-bottom: 1.25rem; }
.form-group label { display: block; font-weight: 500; font-size: .875rem; margin-bottom: .4rem; }
.form-group input, .form-group select, .form-group textarea {
    width: 100%; padding: .75rem 1rem; border: 1px solid var(--border); border-radius: 10px;
    font: inherit; transition: border-color .2s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
    outline: none; border-color: var(--teal);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.alert { padding: 1rem; border-radius: 10px; margin-bottom: 1.25rem; font-size: .9rem; }
.alert-success { background: #d1fae5; color: #065f46; border: 1px solid #a7f3d0; }
.alert-error { background: #fee2e2; color: #991b1b; border: 1px solid #fecaca; }

/* Legacy contact selectors kept for safety */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 3rem; }
.contact-info-card {
    background: var(--navy); color: var(--white); border-radius: var(--radius); padding: 2rem;
}
.contact-info-card h3 { margin-bottom: 1.5rem; }
.contact-detail { display: flex; gap: 1rem; margin-bottom: 1.25rem; align-items: flex-start; }
.contact-detail svg { flex-shrink: 0; color: var(--gold); margin-top: 2px; }
.contact-detail a { color: var(--white); text-decoration: underline; }

/* Legal pages */
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h2 { font-size: 1.35rem; margin: 2rem 0 1rem; }
.legal-content p, .legal-content li { color: var(--text-muted); margin-bottom: .75rem; }
.legal-content ul { padding-left: 1.5rem; list-style: disc; }

/* Stock Management */
.feature-card-highlight { border-color: var(--gold); background: #fffbeb; }
.feature-card-highlight .feature-icon { background: var(--gold); color: var(--navy-dark); }

.stock-ticker-bar {
    background: var(--navy-dark);
    color: var(--white);
    overflow: hidden;
    padding: .75rem 0;
    border-bottom: 1px solid rgba(255,255,255,.1);
}
.stock-ticker-track {
    display: flex;
    gap: 2.5rem;
    width: max-content;
    animation: ticker-scroll 40s linear infinite;
}
.ticker-item { white-space: nowrap; font-size: .85rem; }
.ticker-item strong { margin-right: .5rem; }
.ticker-item em { font-style: normal; font-weight: 600; margin-left: .35rem; }
.ticker-item em.positive { color: #6ee7b7; }
.ticker-item em.negative { color: #fca5a5; }
@keyframes ticker-scroll {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

.stock-dashboard-preview {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.5rem;
    box-shadow: var(--shadow);
}
.stock-dash-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: .5rem;
    font-size: .85rem;
    color: var(--text-muted);
}
.stock-dash-value { font-size: 1.5rem; font-weight: 800; color: var(--text); }
.stock-dash-change { font-size: .9rem; font-weight: 600; margin-bottom: 1.25rem; }
.stock-dash-change.positive { color: var(--success); }
.stock-dash-change.negative { color: var(--error); }

.stock-table { width: 100%; border-collapse: collapse; font-size: .85rem; }
.stock-table th {
    text-align: left; padding: .5rem .75rem; font-weight: 600;
    color: var(--text-muted); border-bottom: 2px solid var(--border); font-size: .75rem;
    text-transform: uppercase;
}
.stock-table td { padding: .65rem .75rem; border-bottom: 1px solid var(--border); }
.stock-table td small { display: block; color: var(--text-muted); font-size: .75rem; }
.stock-table .positive { color: var(--success); font-weight: 600; }
.stock-table .negative { color: var(--error); font-weight: 600; }

.markets-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; }
.market-card {
    background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 1.5rem; text-align: center;
}
.market-flag { font-size: 2rem; display: block; margin-bottom: .75rem; }
.market-card h3 { font-size: 1rem; margin-bottom: .5rem; }
.market-card p { font-size: .85rem; color: var(--text-muted); }

.pricing-table-wrap { max-width: 800px; margin: 0 auto; }
.pricing-table { width: 100%; border-collapse: collapse; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
.pricing-table th, .pricing-table td { padding: 1rem 1.25rem; text-align: left; border-bottom: 1px solid var(--border); }
.pricing-table th { background: var(--navy); color: var(--white); font-size: .85rem; }
.pricing-table tr:last-child td { border-bottom: none; }
.pricing-table tr:hover td { background: var(--bg); }

.positive { color: var(--success); }
.negative { color: var(--error); }

/* Footer */
.site-footer {
    position: relative;
    overflow: hidden;
    background:
        radial-gradient(ellipse 80% 60% at 10% 0%, rgba(13, 148, 136, .18), transparent 55%),
        radial-gradient(ellipse 70% 50% at 90% 20%, rgba(201, 162, 39, .12), transparent 50%),
        linear-gradient(180deg, #1a3354 0%, var(--navy-dark) 45%, #0f1c2e 100%);
    color: rgba(255, 255, 255, .78);
}

.footer-glow {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
    background-size: 48px 48px;
    mask-image: linear-gradient(180deg, rgba(0,0,0,.55), transparent 70%);
    pointer-events: none;
}

.footer-cta-bar {
    position: relative;
    z-index: 1;
    border-bottom: 1px solid rgba(255, 255, 255, .08);
    background: linear-gradient(90deg, rgba(13, 148, 136, .16), rgba(201, 162, 39, .08));
}

.footer-cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    padding: 1.75rem 0;
    flex-wrap: wrap;
}

.footer-cta-label {
    display: inline-block;
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: .35rem;
}

.footer-cta-copy p {
    color: rgba(255, 255, 255, .9);
    font-size: 1.05rem;
    font-weight: 600;
    max-width: 36rem;
    line-height: 1.45;
}

.footer-cta-actions {
    display: flex;
    gap: .75rem;
    flex-wrap: wrap;
}

.footer-main {
    position: relative;
    z-index: 1;
    padding: 4.25rem 0 2.75rem;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.55fr repeat(3, minmax(0, 1fr)) 1.25fr;
    gap: 2.25rem 2rem;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: .85rem;
    margin-bottom: 1.15rem;
}

.footer-logo span {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
    gap: .15rem;
}

.footer-logo strong {
    color: var(--white);
    font-size: 1.05rem;
    font-weight: 800;
    letter-spacing: -.02em;
}

.footer-logo small {
    color: rgba(255, 255, 255, .55);
    font-size: .72rem;
    text-transform: uppercase;
    letter-spacing: .06em;
}

.footer-brand-text {
    font-size: .92rem;
    line-height: 1.7;
    max-width: 22rem;
    margin-bottom: 1.25rem;
}

.footer-pillars {
    display: flex;
    flex-wrap: wrap;
    gap: .5rem;
}

.footer-pillars span {
    font-size: .75rem;
    font-weight: 600;
    letter-spacing: .04em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .85);
    border: 1px solid rgba(201, 162, 39, .35);
    background: rgba(201, 162, 39, .1);
    padding: .35rem .7rem;
    border-radius: 6px;
}

.footer-col h4 {
    color: var(--white);
    font-size: .78rem;
    font-weight: 700;
    margin-bottom: 1.15rem;
    text-transform: uppercase;
    letter-spacing: .1em;
    position: relative;
    padding-bottom: .7rem;
}

.footer-col h4::after {
    content: '';
    position: absolute;
    left: 0;
    bottom: 0;
    width: 1.75rem;
    height: 2px;
    background: var(--gold);
    border-radius: 2px;
}

.footer-col ul li { margin-bottom: .7rem; }

.footer-col a {
    font-size: .9rem;
    color: rgba(255, 255, 255, .72);
    transition: color .2s, transform .2s;
    display: inline-block;
}

.footer-col a:hover {
    color: var(--gold);
    transform: translateX(2px);
}

.footer-contact li {
    display: flex;
    gap: .75rem;
    align-items: flex-start;
    font-size: .9rem;
    margin-bottom: 1rem;
    line-height: 1.5;
}

.footer-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 2rem;
    height: 2rem;
    border-radius: 8px;
    background: rgba(201, 162, 39, .12);
    color: var(--gold);
    flex-shrink: 0;
}

.footer-hours {
    margin-top: .35rem;
    font-size: .8rem;
    color: rgba(255, 255, 255, .5);
}

.footer-bottom {
    position: relative;
    z-index: 1;
    border-top: 1px solid rgba(255, 255, 255, .1);
    padding: 1.35rem 0 1.6rem;
    background: rgba(0, 0, 0, .18);
}

.footer-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    flex-wrap: wrap;
    gap: 1.25rem 2rem;
    font-size: .8rem;
}

.footer-bottom-left {
    display: flex;
    flex-direction: column;
    gap: .65rem;
}

.footer-copy {
    color: rgba(255, 255, 255, .85);
    font-weight: 500;
}

.footer-legal-links {
    display: flex;
    flex-wrap: wrap;
    gap: .35rem 1rem;
}

.footer-legal-links a {
    color: rgba(255, 255, 255, .55);
    transition: color .2s;
}

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

.footer-disclaimer {
    opacity: .65;
    max-width: 34rem;
    line-height: 1.6;
    color: rgba(255, 255, 255, .7);
}

/* Responsive */
@media (max-width: 1100px) {
    .footer-grid {
        grid-template-columns: 1.4fr 1fr 1fr;
    }
    .footer-contact-col {
        grid-column: 1 / -1;
        max-width: 28rem;
    }
}

@media (max-width: 1024px) {
    .hero-grid, .content-grid, .contact-grid { grid-template-columns: 1fr; }
    .about-story-grid { grid-template-columns: 1fr; }
    .contact-layout { grid-template-columns: 1fr; }
    .contact-aside-card { position: static; }
    .contact-steps { grid-template-columns: 1fr; gap: 1.25rem; }
    .hero-visual { display: none; }
    .features-grid, .testimonials-grid { grid-template-columns: 1fr 1fr; }
    .products-grid { grid-template-columns: 1fr 1fr; }
    .highlights-grid { grid-template-columns: 1fr 1fr; }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .markets-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
    .main-nav {
        position: fixed; top: var(--header-h); left: 0; right: 0; bottom: 0;
        background: var(--white); flex-direction: column; align-items: stretch;
        padding: 1.5rem; gap: .5rem; transform: translateX(100%); transition: transform .3s;
        overflow-y: auto;
    }
    .main-nav.open { transform: translateX(0); }
    .nav-dropdown-menu {
        position: static; opacity: 1; visibility: visible; transform: none;
        box-shadow: none; border: none; padding-left: 1rem; display: none;
    }
    .nav-dropdown.open .nav-dropdown-menu { display: block; }
    .mobile-toggle { display: flex; }
    .header-phone { display: none; }
    .features-grid, .products-grid, .testimonials-grid, .steps-grid, .stats-grid, .highlights-grid { grid-template-columns: 1fr; }
    .markets-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem 1.25rem; }
    .footer-brand, .footer-contact-col { grid-column: 1 / -1; }
    .footer-cta-inner { flex-direction: column; align-items: flex-start; }
    .footer-bottom-inner { flex-direction: column; }
    .cta-banner { padding: 2rem; text-align: center; justify-content: center; }
    .form-row { grid-template-columns: 1fr; }
    .section { padding: 3.5rem 0; }
}
@media (max-width: 480px) {
    .footer-grid { grid-template-columns: 1fr; }
}