/* ============================================
   ZETA FINANCIAL - Premium Corporate Design
   Gold + White + Black | Serif + Sans | Luxury CSP
   ============================================ */

/* --- CSS Variables --- */
:root {
    --navy: #111111;
    --navy-light: #1a1a1a;
    --navy-mid: #2a2a2a;
    --gold: #c9a24e;
    --gold-light: #d4b06a;
    --gold-dark: #a8832e;
    --gold-muted: rgba(201, 162, 78, 0.1);
    --gold-muted-2: rgba(201, 162, 78, 0.06);
    --dark: #1a1a1a;
    --gray-900: #2a2a2a;
    --gray-800: #3d3d3d;
    --gray-700: #555555;
    --gray-600: #6b6b6b;
    --gray-500: #888888;
    --gray-400: #aaaaaa;
    --gray-300: #cccccc;
    --gray-200: #e2e2e2;
    --gray-100: #efefef;
    --gray-50: #f7f7f5;
    --white: #ffffff;
    --cream: #faf9f6;
    --font-body: 'Assistant', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-heading: 'Libre Baskerville', 'Georgia', 'Times New Roman', serif;
    --container-max: 1200px;
    --container-wide: 1400px;
    --header-height: 80px;
    --topbar-height: 40px;
    --transition: 0.3s ease;
    --transition-slow: 0.55s cubic-bezier(0.4, 0, 0.2, 1);
    --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.04);
    --shadow-md: 0 4px 20px rgba(0, 0, 0, 0.07);
    --shadow-lg: 0 16px 48px rgba(0, 0, 0, 0.08);
    --shadow-gold: 0 4px 20px rgba(201, 162, 78, 0.2);
}

/* --- Reset & Base --- */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font-body);
    font-size: 16px;
    line-height: 1.65;
    color: var(--dark);
    background: var(--white);
    overflow-x: hidden;
    letter-spacing: 0.01em;
}

a {
    text-decoration: none;
    color: inherit;
    transition: color var(--transition);
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

ul { list-style: none; }

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    color: var(--dark);
    line-height: 1.25;
    font-weight: 400;
}

/* --- Preloader --- */
.preloader {
    position: fixed;
    inset: 0;
    z-index: 10000;
    background: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: opacity 0.8s ease, visibility 0.8s ease;
}

.preloader.hidden {
    opacity: 0;
    visibility: hidden;
}

.preloader-inner { text-align: center; }

.preloader-logo {
    width: 60px;
    height: 60px;
    margin: 0 auto 28px;
}

.preloader-logo img {
    width: 60px !important;
    height: 60px !important;
    max-width: 60px !important;
    max-height: 60px !important;
    object-fit: contain;
}

.preloader-bar {
    width: 100px;
    height: 1px;
    background: rgba(255,255,255,0.1);
    overflow: hidden;
    margin: 0 auto;
}

.preloader-bar-fill {
    width: 0;
    height: 100%;
    background: var(--gold);
    animation: preloaderFill 1.8s cubic-bezier(0.4, 0, 0.2, 1) forwards;
}

@keyframes preloaderFill { to { width: 100%; } }

/* --- Container --- */
.container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 24px;
}

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

@media (min-width: 768px) {
    .container, .container-wide { padding: 0 48px; }
}
@media (min-width: 1200px) {
    .container { padding: 0 24px; }
    .container-wide { padding: 0 48px; }
}

/* ===========================
   TOP UTILITY BAR
   =========================== */
.topbar {
    background: var(--gold);
    height: var(--topbar-height);
    display: none;
    align-items: center;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    position: relative;
    z-index: 1001;
}

@media (min-width: 1024px) {
    .topbar { display: flex; }
}

.topbar-container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 24px;
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

@media (min-width: 768px) {
    .topbar-container { padding: 0 48px; }
}
@media (min-width: 1200px) {
    .topbar-container { padding: 0 24px; }
}

.topbar-left {
    display: flex;
    align-items: center;
    gap: 24px;
}

.topbar-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 12px;
    color: rgba(255,255,255,0.5);
    font-weight: 500;
}

.topbar-item svg {
    width: 13px;
    height: 13px;
    color: var(--white);
    flex-shrink: 0;
}

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

.topbar-item a:hover {
    color: var(--white);
    opacity: 0.8;
}

.topbar-right {
    display: flex;
    align-items: center;
    gap: 16px;
}

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

.topbar-social a {
    color: var(--white);
    display: flex;
    align-items: center;
    transition: color var(--transition);
}

.topbar-social a:hover {
    color: var(--white);
    opacity: 0.8;
}

.topbar-social svg {
    width: 14px;
    height: 14px;
}

/* ===========================
   HEADER
   =========================== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    height: var(--header-height);
    z-index: 1000;
    transition: all var(--transition);
    background: transparent;
}

/* On pages with topbar, header sits below it */
.has-topbar .header {
    top: var(--topbar-height);
}

.header.scrolled {
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    box-shadow: 0 1px 0 rgba(0,0,0,0.06);
    top: 0;
}

.header.nav-open {
    height: 100vh;
    height: 100dvh;
    top: 0;
    background: var(--white);
}

.header-container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 24px;
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

@media (min-width: 768px) {
    .header-container { padding: 0 48px; }
}
@media (min-width: 1200px) {
    .header-container { padding: 0 24px; }
}

/* Logo */
.logo {
    display: flex;
    align-items: center;
    gap: 0;
    z-index: 10000;
    flex-shrink: 0;
}

img.logo-img {
    width: 44px !important;
    height: 44px !important;
    max-width: 44px !important;
    max-height: 44px !important;
    object-fit: contain;
    flex-shrink: 0;
}

.logo-text { display: none; }

/* Navigation */
.nav { display: none; }

@media (min-width: 1024px) {
    .nav {
        display: flex;
        align-items: center;
    }
}

.nav-list {
    display: flex;
    align-items: center;
    gap: 0;
}

.nav-link {
    display: block;
    padding: 8px 18px;
    font-size: 12px;
    font-weight: 600;
    font-family: var(--font-body);
    color: var(--white);
    letter-spacing: 0.1em;
    text-transform: uppercase;
    transition: all var(--transition);
    position: relative;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 2px;
    left: 18px;
    right: 18px;
    height: 1px;
    background: var(--gold);
    transform: scaleX(0);
    transition: transform var(--transition);
    transform-origin: right;
}

.nav-link:hover::after {
    transform: scaleX(1);
    transform-origin: left;
}

.header.scrolled .nav-link {
    color: var(--dark);
}

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

/* Dropdown */
.nav-item { position: relative; }

.has-dropdown:hover .dropdown {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 250px;
    background: var(--white);
    box-shadow: 0 12px 40px rgba(0,0,0,0.1);
    padding: 16px 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: all var(--transition);
    border-top: 2px solid var(--gold);
}

.dropdown-wide { min-width: 280px; }

.dropdown-grid {
    display: flex;
    flex-direction: column;
}

.dropdown-link {
    display: block;
    padding: 10px 28px;
    font-size: 13px;
    font-weight: 500;
    font-family: var(--font-body);
    color: var(--gray-600);
    transition: all var(--transition);
    position: relative;
}

.dropdown-link::before {
    content: '';
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 2px;
    background: var(--gold);
    transform: scaleY(0);
    transition: transform var(--transition);
}

.dropdown-link:hover {
    color: var(--navy);
    background: var(--gold-muted-2);
    padding-left: 32px;
}

.dropdown-link:hover::before {
    transform: scaleY(1);
}

/* Header Actions */
.header-actions {
    display: flex;
    align-items: center;
    gap: 16px;
    z-index: 10;
}

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

@media (min-width: 1024px) {
    .header-actions .btn-primary { display: inline-flex; }
}

/* Mobile Toggle */
.mobile-toggle {
    display: flex;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 12px;
    min-width: 44px;
    min-height: 44px;
    align-items: center;
    justify-content: center;
    z-index: 10;
    position: relative;
}

@media (min-width: 1024px) { .mobile-toggle { display: none; } }

.mobile-toggle span {
    display: block;
    width: 22px;
    height: 1.5px;
    background: var(--white);
    transition: all var(--transition);
}

.header.scrolled .mobile-toggle span { background: var(--dark); }

.header .mobile-toggle.active span { background: var(--dark); }
.mobile-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.mobile-toggle.active span:nth-child(2) { opacity: 0; }
.mobile-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* Mobile Navigation */
.nav.mobile-open {
    display: flex;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    width: 100%;
    height: 100vh;
    height: 100dvh;
    background: var(--white);
    flex-direction: column;
    align-items: center;
    justify-content: flex-start;
    padding: 170px 24px 40px;
    overflow-y: auto;
    z-index: 1;
}

/* When mobile menu is open: enlarge & center logo at top, close button top-right */
.header.nav-open .header-container {
    align-items: flex-start;
    padding-top: 28px;
}

.header.nav-open .logo {
    position: absolute;
    left: 50%;
    top: 28px;
    transform: translateX(-50%);
}

.header.nav-open img.logo-img {
    width: 72px !important;
    height: 72px !important;
    max-width: 72px !important;
    max-height: 72px !important;
}

.header.nav-open .header-actions {
    margin-left: auto;
    align-self: flex-start;
    padding-top: 8px;
}

.nav.mobile-open .nav-list {
    flex-direction: column;
    gap: 0;
    text-align: center;
    width: 100%;
    max-width: 360px;
}

/* Dividers between nav items only — not above first, not below last, not around CTA */
.nav.mobile-open .nav-item + .nav-item:not(.nav-mobile-cta-item) {
    border-top: 1px solid rgba(0,0,0,0.06);
}

.nav.mobile-open .nav-link {
    font-size: 22px;
    padding: 20px 8px;
    color: var(--dark);
    text-transform: none;
    letter-spacing: 0.01em;
    font-weight: 400;
    font-family: var(--font-heading);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    width: 100%;
}

/* Chevron indicator on dropdown items (mobile only) */
.nav.mobile-open .has-dropdown > .nav-link {
    position: relative;
}

.nav.mobile-open .has-dropdown > .nav-link::after {
    content: '';
    display: inline-block;
    width: 7px;
    height: 7px;
    border-right: 1.5px solid var(--gold);
    border-bottom: 1.5px solid var(--gold);
    transform: rotate(45deg);
    margin-left: 4px;
    margin-top: -4px;
    position: static;
    background: transparent;
    transition: transform var(--transition);
}

.nav.mobile-open .has-dropdown.mobile-dropdown-open > .nav-link::after {
    transform: rotate(-135deg);
    margin-top: 4px;
}

.nav.mobile-open .nav-link:hover {
    color: var(--gold);
}

.nav.mobile-open .nav-link::after { display: none; }

/* Mobile dropdown — show as inline links below parent */
.nav.mobile-open .dropdown {
    display: none;
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    background: transparent;
    box-shadow: none;
    border: none;
    padding: 4px 0 14px;
    min-width: 0;
    pointer-events: auto;
}

.nav.mobile-open .has-dropdown.mobile-dropdown-open .dropdown {
    display: block;
}

.nav.mobile-open .dropdown .dropdown-grid {
    display: flex;
    flex-direction: column;
    align-items: center;
}

.nav.mobile-open .dropdown .dropdown-link {
    color: var(--gray-500);
    font-size: 14px;
    padding: 8px 0;
    border-bottom: none;
    text-align: center;
}

.nav.mobile-open .dropdown .dropdown-link::before { display: none; }

.nav.mobile-open .dropdown .dropdown-link:hover {
    color: var(--gold);
    padding-left: 0;
    background: transparent;
}

/* Mobile-only "Get in Touch" CTA (injected by main.js) */
.nav-mobile-cta-item { display: none; }
.nav.mobile-open .nav-mobile-cta-item {
    display: block;
    margin-top: 32px;
    border: none;
}
.nav.mobile-open .nav-mobile-cta-item .btn {
    padding: 16px 40px;
    font-size: 12px;
}

/* ===========================
   BUTTONS
   =========================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    font-family: var(--font-body);
    font-weight: 600;
    font-size: 11px;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    border: none;
    cursor: pointer;
    transition: all var(--transition);
    white-space: nowrap;
}

.btn-sm { padding: 14px 28px; font-size: 10px; min-height: 44px; }
.btn-md { padding: 14px 32px; }
.btn-lg { padding: 16px 42px; font-size: 11px; }

.btn-primary {
    background: transparent;
    color: var(--gold);
    border: 1.5px solid var(--gold);
}

.btn-primary:hover {
    background: var(--gold);
    color: var(--white);
    box-shadow: var(--shadow-gold);
}

.header .btn-primary {
    background: var(--gold);
    color: var(--white);
    border: 1.5px solid var(--gold);
}

.header .btn-primary:hover {
    background: var(--gold-dark);
    border-color: var(--gold-dark);
    box-shadow: var(--shadow-gold);
}

.btn-outline {
    background: transparent;
    color: var(--white);
    border: 1.5px solid rgba(255,255,255,0.4);
}

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

.btn-outline-dark {
    background: transparent;
    color: var(--navy);
    border: 1.5px solid var(--navy);
}

.btn-outline-dark:hover {
    background: var(--navy);
    color: var(--white);
}

.btn-gold-solid {
    background: var(--gold);
    color: var(--white);
    border: 1.5px solid var(--gold);
}

.btn-gold-solid:hover {
    background: var(--gold-dark);
    border-color: var(--gold-dark);
    box-shadow: var(--shadow-gold);
}

.btn-link {
    background: none;
    border: none;
    color: var(--gold);
    font-weight: 600;
    font-size: 11px;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    padding: 0;
    display: inline-flex;
    align-items: center;
    gap: 10px;
}

.btn-link:hover { color: var(--gold-dark); }

.btn-link svg {
    width: 16px;
    height: 16px;
    transition: transform var(--transition);
}

.btn-link:hover svg { transform: translateX(5px); }

/* ===========================
   HERO
   =========================== */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
    background: var(--navy);
}

.hero-bg {
    position: absolute;
    inset: 0;
}

.hero-bg-image {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    opacity: 0.4;
    transform: scale(1.02);
}

.hero-bg-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        180deg,
        rgba(12, 26, 46, 0.6) 0%,
        rgba(12, 26, 46, 0.4) 40%,
        rgba(12, 26, 46, 0.7) 100%
    );
}

.hero-content {
    position: relative;
    text-align: center;
    max-width: 800px;
    padding: 140px 24px 100px;
}

.hero-label {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.25em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 28px;
    font-family: var(--font-body);
}

.hero-title {
    font-family: var(--font-heading);
    font-size: clamp(32px, 5vw, 52px);
    font-weight: 400;
    color: var(--white);
    line-height: 1.2;
    margin-bottom: 28px;
    letter-spacing: -0.01em;
}

.hero-subtitle {
    font-size: 17px;
    color: rgba(255,255,255,0.5);
    max-width: 520px;
    margin: 0 auto 44px;
    line-height: 1.7;
    font-weight: 400;
}

.hero-cta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
}

.hero-scroll {
    position: absolute;
    bottom: 40px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
}

.hero-scroll span {
    font-size: 10px;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.25);
    font-weight: 600;
}

.hero-scroll-line {
    width: 1px;
    height: 48px;
    background: linear-gradient(to bottom, var(--gold), transparent);
    animation: scrollLine 2.5s ease-in-out infinite;
}

@keyframes scrollLine {
    0% { opacity: 0; transform: scaleY(0); transform-origin: top; }
    50% { opacity: 1; transform: scaleY(1); transform-origin: top; }
    50.1% { transform-origin: bottom; }
    100% { opacity: 0; transform: scaleY(0); transform-origin: bottom; }
}

/* ===========================
   SECTIONS
   =========================== */
.section {
    padding: 100px 0;
}

@media (min-width: 768px) {
    .section { padding: 120px 0; }
}

/* --- Section Headers --- */
.section-header {
    text-align: center;
    margin-bottom: 60px;
}

.section-label {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--gold);
    font-family: var(--font-body);
    margin-bottom: 14px;
}

.section-title {
    font-size: clamp(28px, 3.5vw, 40px);
    font-weight: 400;
    margin-bottom: 20px;
    letter-spacing: -0.01em;
}

.section-title-light { color: var(--white); }
.section-label-light { color: var(--gold); }

.section-subtitle {
    font-size: 16px;
    color: var(--gray-600);
    max-width: 520px;
    line-height: 1.75;
}

.section-header .section-subtitle { margin: 0 auto; }

/* Decorative line under section headers */
.section-header::after {
    content: '';
    display: block;
    width: 40px;
    height: 2px;
    background: var(--gold);
    margin: 24px auto 0;
}

.section-header.no-line::after { display: none; }

/* ===========================
   SERVICES SECTION (HOMEPAGE)
   =========================== */
.section-services-home {
    background: var(--cream);
    padding: 100px 0;
}

@media (min-width: 768px) {
    .section-services-home { padding: 120px 0; }
}

.section-services-home .section-header::after {
    background: var(--gold);
}

.services-home-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
}

@media (min-width: 640px) {
    .services-home-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1024px) {
    .services-home-grid { grid-template-columns: repeat(3, 1fr); }
}

.service-card {
    display: flex;
    flex-direction: column;
    padding: 32px 28px;
    background: var(--white);
    border: none;
    border-radius: 12px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.06);
    transition: all 0.3s ease;
    position: relative;
    cursor: pointer;
    text-decoration: none;
    color: inherit;
}

.service-card:hover {
    box-shadow: 0 12px 32px rgba(201,162,78,0.15);
    transform: translateY(-4px);
}

.service-card-icon {
    width: 46px;
    height: 46px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    color: var(--gold);
    background: rgba(201,162,78,0.08);
    border-radius: 12px;
    flex-shrink: 0;
    transition: all 0.3s ease;
}

.service-card:hover .service-card-icon {
    background: var(--gold);
    color: var(--white);
}

.service-card-icon svg {
    width: 22px;
    height: 22px;
}

.service-card-title {
    font-family: var(--font-heading);
    font-size: 17px;
    font-weight: 400;
    color: var(--dark);
    margin-bottom: 10px;
    line-height: 1.35;
}

.service-card-text {
    font-size: 13px;
    color: var(--gray-600);
    line-height: 1.7;
    margin-bottom: 16px;
    flex-grow: 1;
}

.service-card-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gold);
    font-family: var(--font-body);
    transition: all var(--transition);
}

.service-card-link svg {
    width: 14px;
    height: 14px;
    transition: transform var(--transition);
}

.service-card:hover .service-card-link svg {
    transform: translateX(4px);
}

/* ===========================
   NEWS SECTION (HOMEPAGE)
   =========================== */
.section-news {
    background: var(--cream);
    padding: 100px 0;
}

@media (min-width: 768px) {
    .section-news { padding: 120px 0; }
}

.news-grid {
    display: grid;
    gap: 20px;
    grid-template-columns: 1fr;
}

@media (min-width: 768px) {
    .news-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1024px) {
    .news-grid { grid-template-columns: repeat(4, 1fr); }
}

.news-view-all {
    text-align: center;
    margin-top: 48px;
}

.news-card {
    background: var(--white);
    overflow: hidden;
    border: 1px solid rgba(0,0,0,0.05);
    transition: all var(--transition-slow);
    cursor: pointer;
    position: relative;
}

.news-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--gold);
    transition: width var(--transition-slow);
}

.news-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
}

.news-card:hover::after { width: 100%; }

.news-card-image {
    aspect-ratio: 16/10;
    overflow: hidden;
    background: var(--gray-100);
}

.news-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.7s ease;
}

.news-card:hover .news-card-image img { transform: scale(1.05); }

.news-card-image-placeholder {
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, var(--gray-100), var(--gray-200));
    display: flex;
    align-items: center;
    justify-content: center;
}

.news-card-image-placeholder svg {
    width: 32px;
    height: 32px;
    color: var(--gray-300);
}

.news-card-content { padding: 24px; display: flex; flex-direction: column; flex: 1; }
.news-card { display: flex; flex-direction: column; }

.news-card-tag {
    display: inline-block;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 10px;
    font-family: var(--font-body);
}

.news-card-title {
    font-family: var(--font-heading);
    font-size: 15px;
    font-weight: 400;
    color: var(--dark);
    margin-bottom: 10px;
    line-height: 1.45;
}

.news-card-excerpt {
    font-size: 14px;
    color: var(--gray-600);
    line-height: 1.6;
    margin-bottom: 16px;
    display: -webkit-box;
    -webkit-line-clamp: 3;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.news-card-excerpt { flex: 1; }
.news-card-date {
    font-size: 11px;
    color: var(--gray-500);
    font-weight: 600;
    letter-spacing: 0.04em;
    margin-top: auto;
}

/* ===========================
   BOTTOM CTA PANELS (HOMEPAGE)
   =========================== */
.cta-panels {
    display: grid;
    grid-template-columns: 1fr;
}

@media (min-width: 768px) {
    .cta-panels { grid-template-columns: repeat(3, 1fr); }
}

.cta-panel {
    padding: 48px 24px;
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 20px;
}

.cta-panel-gold {
    background: var(--gold);
    color: var(--white);
}

.cta-panel-dark {
    background: var(--navy);
    color: var(--white);
}

.cta-panel-light {
    background: var(--cream);
    color: var(--dark);
}

.cta-panel h3 {
    font-family: var(--font-heading);
    font-size: 24px;
    font-weight: 400;
    color: inherit;
}

.cta-panel p {
    font-size: 14px;
    opacity: 0.7;
    max-width: 260px;
}

.cta-panel .btn-outline {
    border-color: rgba(255,255,255,0.4);
    color: var(--white);
}

.cta-panel .btn-outline:hover {
    background: var(--white);
    color: var(--navy);
    border-color: var(--white);
}

/* ===========================
   FOOTER
   =========================== */
.footer {
    background: var(--navy);
    color: rgba(255,255,255,0.5);
    padding-top: 80px;
}

.footer-top {
    display: grid;
    gap: 48px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,0.06);
}

@media (min-width: 768px) {
    .footer-top { grid-template-columns: 1fr 2fr; gap: 80px; }
}

.footer-logo {
    display: flex;
    align-items: center;
    margin-bottom: 20px;
}

.footer-logo img.logo-img {
    width: 36px !important;
    height: 36px !important;
    max-width: 36px !important;
    max-height: 36px !important;
    object-fit: contain;
}

.footer-tagline {
    font-size: 14px;
    color: rgba(255,255,255,0.3);
    margin-bottom: 28px;
    line-height: 1.7;
}

.footer-social {
    display: flex;
    gap: 8px;
}

.footer-social a {
    width: 44px;
    height: 44px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.3);
    border: 1px solid rgba(255,255,255,0.08);
    transition: all var(--transition);
}

.footer-social a:hover {
    color: var(--gold);
    border-color: var(--gold);
    background: rgba(201, 162, 78, 0.08);
}

.footer-social svg { width: 15px; height: 15px; }

.footer-links {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
    gap: 48px;
}

.footer-col h4 {
    font-family: var(--font-body);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--white);
    margin-bottom: 24px;
}

.footer-col a {
    display: block;
    font-size: 14px;
    color: rgba(255,255,255,0.35);
    padding: 8px 0;
    transition: all var(--transition);
}

.footer-col a:hover {
    color: var(--gold);
    padding-left: 4px;
}

.footer-address {
    font-size: 14px;
    color: rgba(255,255,255,0.25);
    line-height: 1.7;
    font-style: normal;
    margin-top: 4px;
}

.footer-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 28px 0;
    font-size: 12px;
    color: rgba(255,255,255,0.25);
    flex-wrap: wrap;
    gap: 12px;
}

.footer-bottom-row {
    display: contents;
}

.footer-legal {
    display: flex;
    gap: 28px;
}

.footer-legal a {
    color: rgba(255,255,255,0.25);
    font-size: 12px;
    transition: color var(--transition);
}

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

/* ===========================
   SCROLL ANIMATIONS
   =========================== */
.animate-on-scroll {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.7s ease, transform 0.7s ease;
}

.animate-on-scroll.visible {
    opacity: 1;
    transform: translateY(0);
}

.services-home-grid .service-card:nth-child(1) { transition-delay: 0s; }
.services-home-grid .service-card:nth-child(2) { transition-delay: 0.05s; }
.services-home-grid .service-card:nth-child(3) { transition-delay: 0.10s; }
.services-home-grid .service-card:nth-child(4) { transition-delay: 0.15s; }
.services-home-grid .service-card:nth-child(5) { transition-delay: 0.20s; }
.services-home-grid .service-card:nth-child(6) { transition-delay: 0.25s; }
.services-home-grid .service-card:nth-child(7) { transition-delay: 0.30s; }
.services-home-grid .service-card:nth-child(8) { transition-delay: 0.35s; }
.services-home-grid .service-card:nth-child(9) { transition-delay: 0.40s; }
.services-home-grid .service-card:nth-child(10) { transition-delay: 0.45s; }

.news-grid .animate-on-scroll:nth-child(1) { transition-delay: 0s; }
.news-grid .animate-on-scroll:nth-child(2) { transition-delay: 0.08s; }
.news-grid .animate-on-scroll:nth-child(3) { transition-delay: 0.16s; }
.news-grid .animate-on-scroll:nth-child(4) { transition-delay: 0.24s; }

/* Selection */
::selection {
    background: rgba(201, 162, 78, 0.2);
    color: var(--dark);
}

/* Scrollbar */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--navy); }
::-webkit-scrollbar-thumb { background: var(--navy-mid); }
::-webkit-scrollbar-thumb:hover { background: var(--gold-dark); }

/* ============================================
   INNER PAGES
   ============================================ */

/* --- Page Hero --- */
.page-hero {
    position: relative;
    padding: 180px 0 100px;
    overflow: hidden;
}

.page-hero-sm { padding: 160px 0 80px; }

.page-hero-bg {
    position: absolute;
    inset: 0;
    background: var(--navy);
}

.page-hero-bg-image {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    opacity: 0.2;
}

.page-hero-content {
    position: relative;
    max-width: 700px;
}

.page-hero-title {
    font-size: clamp(32px, 5vw, 48px);
    color: var(--white);
    margin-bottom: 20px;
    line-height: 1.2;
    font-weight: 400;
    letter-spacing: -0.01em;
}

.page-hero-subtitle {
    font-size: 17px;
    color: rgba(255,255,255,0.45);
    line-height: 1.75;
    font-weight: 400;
}

/* Service page hero label */
.page-hero-content .section-label {
    color: var(--gold);
    margin-bottom: 16px;
    display: inline-block;
    letter-spacing: 2px;
}

/* Gold accent line below page hero */
.page-hero-sm::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
}

/* --- About Page --- */
.about-intro { padding: 100px 0; }

@media (min-width: 768px) {
    .about-intro { padding: 120px 0; }
}

.about-intro-grid {
    display: grid;
    gap: 60px;
}

@media (min-width: 1024px) {
    .about-intro-grid {
        grid-template-columns: 1fr 1fr;
        gap: 100px;
        align-items: start;
    }
}

.about-intro-content h2 {
    font-size: clamp(26px, 4vw, 34px);
    margin-bottom: 28px;
    letter-spacing: -0.01em;
}

.about-intro-content p {
    font-size: 16px;
    color: var(--gray-600);
    line-height: 1.85;
    margin-bottom: 24px;
}

/* Values Card */
.values-card {
    background: var(--cream);
    padding: 28px;
    border: 1px solid rgba(0,0,0,0.05);
}

@media (min-width: 768px) {
    .values-card { padding: 48px; }
}

.values-card h3 {
    font-family: var(--font-heading);
    font-size: 26px;
    font-weight: 400;
    margin-bottom: 36px;
}

.values-list {
    display: flex;
    flex-direction: column;
    gap: 28px;
}

.values-list li {
    display: flex;
    gap: 20px;
    align-items: flex-start;
}

.value-icon {
    flex-shrink: 0;
    width: 44px;
    height: 44px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    background: var(--gold-muted);
}

.value-icon svg { width: 22px; height: 22px; }

.values-list strong {
    display: block;
    font-family: var(--font-body);
    font-size: 15px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 6px;
}

.values-list p {
    font-size: 14px;
    color: var(--gray-600);
    line-height: 1.65;
    margin: 0;
}

/* Corporate Profile */
.corporate-profile {
    background: var(--cream);
    padding: 100px 0;
}

@media (min-width: 768px) {
    .corporate-profile { padding: 120px 0; }
}

.profile-grid {
    display: grid;
    gap: 20px;
    grid-template-columns: 1fr;
}

@media (min-width: 768px) {
    .profile-grid { grid-template-columns: repeat(2, 1fr); }
}

.profile-card {
    background: var(--white);
    padding: 36px;
    border: 1px solid rgba(0,0,0,0.05);
    transition: all var(--transition);
    position: relative;
}

.profile-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--gold);
    transition: width var(--transition-slow);
}

.profile-card:hover {
    box-shadow: var(--shadow-md);
    border-color: transparent;
}

.profile-card:hover::after { width: 100%; }

.profile-card h3 {
    font-family: var(--font-heading);
    font-size: 20px;
    font-weight: 400;
    color: var(--dark);
    margin-bottom: 14px;
}

.profile-card p {
    font-size: 14px;
    color: var(--gray-600);
    line-height: 1.75;
}

.profile-card .regulated-by {
    font-size: 10px;
    color: var(--gold);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 10px;
    display: block;
}

/* Leadership / Team */
.section-leadership { padding: 100px 0; }

@media (min-width: 768px) {
    .section-leadership { padding: 120px 0; }
}

.team-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
}

@media (min-width: 640px) {
    .team-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1024px) {
    .team-grid { grid-template-columns: repeat(4, 1fr); }
}

.team-card {
    background: var(--white);
    overflow: hidden;
    border: 1px solid rgba(0,0,0,0.05);
    transition: all var(--transition-slow);
    position: relative;
    display: flex;
    flex-direction: column;
}

.team-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gold);
    transform: scaleX(0);
    transition: transform 0.3s ease;
}

.team-card:hover::after {
    transform: scaleX(1);
}

.team-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
}

.team-card-image {
    aspect-ratio: 1/1;
    overflow: hidden;
    background: var(--gray-100);
}

.team-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: top;
    transition: transform 0.7s ease;
}

.team-card:hover .team-card-image img { transform: scale(1.04); }

.team-card-image-placeholder {
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, var(--gray-100), var(--gray-200));
    display: flex;
    align-items: center;
    justify-content: center;
}

.team-card-image-placeholder svg {
    width: 48px;
    height: 48px;
    color: var(--gray-300);
}

.team-card-content {
    padding: 20px;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.team-card-content h3 {
    font-family: var(--font-heading);
    font-size: 17px;
    font-weight: 400;
    color: var(--dark);
    margin-bottom: 4px;
}

.team-role {
    display: block;
    font-size: 10px;
    font-weight: 700;
    color: var(--gold);
    margin-bottom: 10px;
    font-family: var(--font-body);
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

.team-card-content p {
    font-size: 13px;
    color: var(--gray-600);
    line-height: 1.6;
}

.team-card-content p {
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.team-card-socials {
    display: flex;
    gap: 8px;
    margin-top: auto;
    padding-top: 12px;
}

.team-card-socials a {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: rgba(201, 162, 78, 0.08);
    border: 1px solid rgba(201, 162, 78, 0.15);
    transition: all 0.25s;
}

.team-card-socials a svg {
    width: 13px;
    height: 13px;
    color: var(--gold);
    transition: color 0.25s;
}

.team-card-socials a:hover {
    background: var(--gold);
    border-color: var(--gold);
}

.team-card-socials a:hover svg {
    color: #fff;
}

/* --- About Group Closing --- */
.about-group-closing {
    max-width: 680px;
    margin: 48px auto 0;
    text-align: center;
    border-top: 1px solid rgba(0,0,0,0.06);
    padding-top: 40px;
}

.about-group-closing p {
    font-family: var(--font-heading);
    font-size: 17px;
    line-height: 1.75;
    color: var(--gray-700);
    font-style: italic;
}

/* --- Services Page --- */
.services-overview {
    display: grid;
    grid-template-columns: 1fr;
    gap: 0;
}

.service-detail {
    padding: 72px 0;
    border-bottom: 1px solid rgba(0,0,0,0.05);
}

.service-detail:last-child { border-bottom: none; }

.service-detail-grid {
    display: grid;
    gap: 28px;
    align-items: start;
}

@media (min-width: 768px) {
    .service-detail-grid {
        grid-template-columns: 80px 1fr;
        gap: 40px;
    }
}

.service-detail-icon {
    width: 64px;
    height: 64px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    background: var(--gold-muted);
}

.service-detail-icon svg { width: 30px; height: 30px; }

.service-detail-content h2 {
    font-size: 28px;
    margin-bottom: 20px;
    font-weight: 400;
}

.service-detail-content p {
    font-size: 16px;
    color: var(--gray-600);
    line-height: 1.85;
    margin-bottom: 24px;
}

.service-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.service-tags span {
    display: inline-block;
    padding: 8px 18px;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.03em;
    color: var(--gray-700);
    background: var(--cream);
    border: 1px solid rgba(0,0,0,0.05);
    transition: all var(--transition);
}

.service-tags span:hover {
    border-color: var(--gold);
    color: var(--gold-dark);
    background: var(--gold-muted);
}

/* --- Contact Page --- */
.contact-grid {
    display: grid;
    gap: 60px;
}

@media (min-width: 1024px) {
    .contact-grid { grid-template-columns: 1.3fr 1fr; gap: 100px; }
}

.contact-form-title {
    font-size: 30px;
    color: var(--dark);
    margin-bottom: 10px;
    font-weight: 400;
}

.contact-form-subtitle {
    font-size: 15px;
    color: var(--gray-600);
    margin-bottom: 40px;
}

.contact-form {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr;
    gap: 24px;
}

@media (min-width: 640px) {
    .form-row { grid-template-columns: 1fr 1fr; }
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.form-group label {
    font-size: 11px;
    font-weight: 700;
    color: var(--gray-700);
    letter-spacing: 0.06em;
    text-transform: uppercase;
}

.form-group input,
.form-group select,
.form-group textarea {
    font-family: var(--font-body);
    font-size: 15px;
    color: var(--dark);
    padding: 14px 18px;
    border: 1px solid var(--gray-200);
    background: var(--white);
    transition: all var(--transition);
    outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px var(--gold-muted);
}

.form-group textarea {
    resize: vertical;
    min-height: 140px;
}

.form-group select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%23888' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 18px center;
    padding-right: 44px;
}

.form-consent {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    font-size: 13px;
    color: var(--gray-600);
    line-height: 1.6;
}

.form-consent input[type="checkbox"] {
    margin-top: 3px;
    accent-color: var(--gold);
}

.btn-full { width: 100%; }

/* Contact Sidebar */
.contact-info-card {
    background: var(--cream);
    padding: 36px;
    border: 1px solid rgba(0,0,0,0.05);
    margin-bottom: 20px;
    transition: all var(--transition);
    position: relative;
}

.contact-info-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--gold);
    transition: width var(--transition-slow);
}

.contact-info-card:hover { box-shadow: var(--shadow-md); }
.contact-info-card:hover::after { width: 100%; }

.contact-info-card h3 {
    font-family: var(--font-heading);
    font-size: 20px;
    font-weight: 400;
    color: var(--dark);
    margin-bottom: 28px;
    padding-bottom: 16px;
    border-bottom: 1px solid rgba(0,0,0,0.05);
}

.contact-info-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    margin-bottom: 24px;
}

.contact-info-item:last-child { margin-bottom: 0; }

.contact-info-item svg {
    flex-shrink: 0;
    width: 18px;
    height: 18px;
    color: var(--gold);
    margin-top: 2px;
}

.contact-info-item strong {
    display: block;
    font-size: 11px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 6px;
    letter-spacing: 0.06em;
    text-transform: uppercase;
}

.contact-info-item p {
    font-size: 14px;
    color: var(--gray-600);
    line-height: 1.65;
    margin: 0;
}

.contact-info-item a { color: var(--gray-700); }
.contact-info-item a:hover { color: var(--gold); }

/* Map */
.contact-map {
    overflow: hidden;
    border: 1px solid rgba(0,0,0,0.05);
}

.contact-map iframe {
    width: 100%;
    height: 300px;
    border: 0;
}

/* --- CTA Section (generic) --- */
.section-cta {
    background: var(--navy);
    text-align: center;
    padding: 80px 0;
    position: relative;
    overflow: hidden;
}

.section-cta::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.cta-content { position: relative; }

.cta-title {
    font-size: clamp(26px, 3.5vw, 36px);
    color: var(--white);
    margin-bottom: 20px;
    font-weight: 400;
}

.cta-text {
    font-size: 16px;
    color: rgba(255,255,255,0.5);
    max-width: 480px;
    margin: 0 auto 36px;
    line-height: 1.75;
}

.cta-actions {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
}

.section-cta .btn-outline {
    border-color: var(--gold);
    color: var(--gold);
}

.section-cta .btn-outline:hover {
    background: var(--gold);
    color: var(--white);
    box-shadow: var(--shadow-gold);
}

/* --- Locations Page --- */
.locations-grid {
    display: grid;
    gap: 24px;
}

@media (min-width: 768px) {
    .locations-grid { grid-template-columns: repeat(2, 1fr); }
}

.location-card {
    background: var(--white);
    padding: 28px;
    border: 1px solid rgba(0,0,0,0.05);
    transition: all var(--transition);
    position: relative;
}

.location-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--gold);
    transition: width var(--transition-slow);
}

.location-card:hover {
    box-shadow: var(--shadow-md);
    border-color: transparent;
}

.location-card:hover::after { width: 100%; }

.location-card h3 {
    font-family: var(--font-heading);
    font-size: 26px;
    font-weight: 400;
    color: var(--dark);
    margin-bottom: 16px;
}

.location-card > p {
    font-size: 15px;
    color: var(--gray-600);
    line-height: 1.75;
    margin-bottom: 28px;
    padding-bottom: 24px;
    border-bottom: 1px solid rgba(0,0,0,0.05);
}

.location-card .location-detail {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    margin-bottom: 16px;
}

.location-card .location-detail svg {
    width: 18px;
    height: 18px;
    color: var(--gold);
    flex-shrink: 0;
    margin-top: 3px;
}

.location-card .location-detail p {
    margin-bottom: 0;
    border: none;
    padding: 0;
}

@media (min-width: 768px) {
    .location-card { padding: 48px; }
    .cta-panel { padding: 72px 40px; }
}

/* Jurisdictions list */
.jurisdictions-list {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    justify-content: center;
}

.jurisdictions-list span {
    padding: 12px 28px;
    font-size: 13px;
    font-weight: 600;
    color: var(--gray-700);
    background: var(--white);
    border: 1px solid rgba(0,0,0,0.06);
    transition: all var(--transition);
}

.jurisdictions-list span:hover {
    border-color: var(--gold);
    color: var(--gold-dark);
    box-shadow: var(--shadow-sm);
}

/* --- Service Pages --- */
/* --- Service Pages --- */
.service-page-intro {
    max-width: 800px;
    margin: 0 auto;
    text-align: center;
}

.lead-text {
    font-size: 19px;
    line-height: 1.85;
    color: var(--gray-700);
    margin-bottom: 16px;
}

.service-contact-line {
    font-size: 14px;
    color: var(--gray-600);
    margin-top: 20px;
    padding-top: 20px;
    border-top: 1px solid rgba(0,0,0,0.06);
    letter-spacing: 0.2px;
}

.service-page-block {
    max-width: 900px;
    margin: 0 auto;
    margin-bottom: 32px;
}

.service-page-block h2 {
    font-family: var(--font-heading);
    font-size: 28px;
    font-weight: 400;
    color: var(--dark);
    margin-bottom: 16px;
    position: relative;
    padding-bottom: 16px;
}

.service-page-block h2::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 48px;
    height: 2px;
    background: var(--gold);
}

.service-page-block h3 {
    font-family: var(--font-heading);
    font-size: 20px;
    font-weight: 400;
    color: var(--dark);
    margin-top: 28px;
    margin-bottom: 12px;
}

.service-page-block p {
    font-size: 15px;
    line-height: 1.85;
    color: var(--gray-600);
    margin-bottom: 16px;
}

.service-list {
    list-style: none;
    padding: 0;
    margin: 20px 0;
}

.service-list li {
    position: relative;
    padding-left: 28px;
    margin-bottom: 14px;
    font-size: 15px;
    line-height: 1.7;
    color: var(--gray-600);
}

.service-list li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 8px;
    width: 10px;
    height: 10px;
    border: 2px solid var(--gold);
    border-radius: 2px;
    transform: rotate(45deg);
}

/* Centred h2 gold underline in centred blocks */
.service-page-intro + .service-page-block h2::after,
.section-header + .service-page-block h2::after {
    left: 50%;
    transform: translateX(-50%);
}

/* --- Service Sub-Grid & Cards --- */
/* Mobile-first: single column, then auto-fit on larger screens */
.service-sub-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
    margin-top: 12px;
    counter-reset: svc-counter;
}

@media (min-width: 640px) {
    .service-sub-grid {
        grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
        gap: 24px;
    }
}

.service-sub-card {
    background: var(--white);
    padding: 0;
    border: none;
    border-radius: 12px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.05);
    transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    counter-increment: svc-counter;
}

/* Gold left accent bar */
.service-sub-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    bottom: 0;
    width: 4px;
    background: linear-gradient(180deg, var(--gold), var(--gold-light));
    opacity: 0.5;
    transition: opacity 0.35s ease, width 0.35s ease;
}

/* Number badge — kept subtle so it reads as a watermark, not a label.
   Sits flush in the top-right; titles reserve clear space to the left. */
.service-sub-card::after {
    content: counter(svc-counter, decimal-leading-zero);
    position: absolute;
    top: 22px;
    right: 26px;
    font-family: var(--font-heading);
    font-size: 28px;
    font-weight: 400;
    color: var(--gold);
    opacity: 0.16;
    line-height: 1;
    letter-spacing: 0.02em;
    transition: opacity 0.35s ease;
    pointer-events: none;
    z-index: 0;
}

.service-sub-card:hover::after {
    opacity: 0.22;
}

/* Keep card content above the watermark number */
.service-sub-card > * {
    position: relative;
    z-index: 1;
}

/* Tighter badge + heading reserve on narrow screens */
@media (max-width: 480px) {
    .service-sub-card::after {
        top: 18px;
        right: 20px;
        font-size: 22px;
    }
    .service-sub-card > h3,
    .service-sub-card > span:first-child {
        padding-right: 60px;
    }
}

.service-sub-card:hover {
    box-shadow: 0 12px 40px rgba(201, 162, 78, 0.12);
    transform: translateY(-4px);
}

.service-sub-card:hover::before {
    opacity: 1;
    width: 5px;
}

.service-sub-card:hover::after {
    opacity: 0.12;
}

/* Card inner padding */
.service-sub-card > h3,
.service-sub-card > p,
.service-sub-card > .btn-link,
.service-sub-card > .service-list,
.service-sub-card > span {
    padding-left: 28px;
    padding-right: 28px;
}

/* Reserve right-side space for the number badge so the title and
   watermark number always have a comfortable gap, not just no-overlap. */
.service-sub-card > h3 {
    padding-top: 28px;
    padding-right: 92px;
}

.service-sub-card > span:first-child {
    padding-right: 92px;
}

.service-sub-card > p:last-child,
.service-sub-card > .service-list:last-child {
    padding-bottom: 28px;
}

.service-sub-card > span:last-child {
    padding-bottom: 24px;
}

.service-sub-card h3 {
    font-family: var(--font-heading);
    font-size: 18px;
    font-weight: 400;
    color: var(--dark);
    margin-bottom: 12px;
    margin-top: 0;
    line-height: 1.35;
}

.service-sub-card p {
    font-size: 14px;
    line-height: 1.8;
    color: var(--gray-600);
    margin-bottom: 0;
}

.service-sub-card .btn-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-top: 14px;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gold);
    transition: gap 0.3s ease;
}

.service-sub-card:hover .btn-link {
    gap: 10px;
}

.service-sub-card .btn-link svg {
    transition: transform 0.3s ease;
}

.service-sub-card:hover .btn-link svg {
    transform: translateX(3px);
}

.service-sub-card .service-list {
    margin-bottom: 0;
}

.service-sub-card .service-list li {
    font-size: 14px;
}

/* --- Clickable card variant (a tags) --- */
a.service-sub-card {
    text-decoration: none;
    color: inherit;
    cursor: pointer;
}

a.service-sub-card:hover h3 {
    color: var(--gold-dark);
}

/* First span child in card (category label) */
.service-sub-card > span:first-child {
    padding-top: 24px;
    display: block;
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--gold);
    font-weight: 600;
}

.publications-list {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.publications-list span {
    padding: 10px 20px;
    font-size: 13px;
    font-weight: 600;
    color: var(--gray-700);
    background: var(--white);
    border: 1px solid rgba(0,0,0,0.06);
    transition: all var(--transition);
}

.publications-list span:hover {
    border-color: var(--gold);
    color: var(--gold-dark);
}

.service-detail-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-top: 16px;
    font-size: 14px;
    font-weight: 600;
    color: var(--gold) !important;
    text-decoration: none;
    transition: all var(--transition);
}

.service-detail-link:hover {
    color: var(--gold-dark) !important;
}

.service-detail-link svg {
    width: 16px;
    height: 16px;
    transition: transform var(--transition);
}

.service-detail-link:hover svg {
    transform: translateX(4px);
}

/* --- Maps --- */
.maps-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 30px;
}

@media (min-width: 768px) {
    .maps-grid {
        grid-template-columns: 1fr 1fr;
        gap: 40px;
    }
}

.map-block h3 {
    font-family: var(--font-heading);
    font-size: 22px;
    font-weight: 400;
    color: var(--dark);
    margin-bottom: 20px;
    text-align: center;
}

.map-container {
    border-radius: 8px;
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.map-container iframe {
    display: block;
    width: 100%;
}

.map-address {
    font-size: 13px;
    color: var(--gray-600);
    text-align: center;
    margin-top: 16px;
}

/* --- Form Enhancements --- */
.form-success {
    text-align: center;
    padding: 60px 20px;
}

.form-success h3 {
    font-family: var(--font-heading);
    font-size: 24px;
    font-weight: 400;
    color: var(--dark);
    margin: 20px 0 10px;
}

.form-success p {
    color: var(--gray-600);
    font-size: 15px;
}

.form-sending {
    text-align: center;
    color: var(--gold);
    font-weight: 600;
    padding: 16px 0;
}

button[disabled] {
    opacity: 0.5;
    cursor: not-allowed;
}

/* Mobile adjustments — already mobile-first in base styles, these are refinements */

/* --- Featured Article --- */
.featured-card {
    background: var(--white);
    border: 1px solid rgba(0,0,0,0.05);
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0,0,0,0.06);
    transition: box-shadow 0.4s ease;
}

.featured-card:hover {
    box-shadow: 0 8px 32px rgba(0,0,0,0.1);
}

.featured-card-inner {
    display: grid;
    grid-template-columns: 1fr;
}

@media (min-width: 768px) {
    .featured-card-inner {
        grid-template-columns: 1fr 1fr;
    }
}

.featured-card-image {
    min-height: 300px;
    background: linear-gradient(135deg, var(--gray-100), var(--gray-200));
    overflow: hidden;
    position: relative;
}

.featured-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    transition: transform 0.7s ease;
}

.featured-card:hover .featured-card-image img {
    transform: scale(1.03);
}

.featured-card-image .placeholder-icon {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 48px;
    height: 48px;
    color: var(--gray-300);
}

.featured-card-body {
    padding: 40px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

@media (min-width: 768px) {
    .featured-card-body { padding: 48px; }
}

.featured-card-label {
    display: inline-block;
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--gold);
    font-weight: 700;
    margin-bottom: 16px;
}

.featured-card-tag {
    display: inline-block;
    background: var(--gold-muted);
    color: var(--gold-dark);
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 12px;
    font-weight: 600;
    margin-bottom: 16px;
}

.featured-card-title {
    font-family: var(--font-heading);
    font-size: clamp(22px, 3vw, 28px);
    font-weight: 400;
    line-height: 1.35;
    margin-bottom: 16px;
    color: var(--dark);
}

.featured-card-excerpt {
    font-size: 15px;
    color: var(--gray-600);
    line-height: 1.8;
    margin-bottom: 24px;
}

.featured-card-date {
    font-size: 13px;
    color: var(--gray-400);
    letter-spacing: 0.5px;
}

/* --- FAQ Section --- */
.section-faq {
    background: var(--cream);
    padding: 80px 0;
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    border-bottom: 1px solid rgba(0,0,0,0.08);
}

.faq-item:first-child {
    border-top: 1px solid rgba(0,0,0,0.08);
}

.faq-question {
    width: 100%;
    background: none;
    border: none;
    padding: 24px 40px 24px 0;
    font-family: var(--font-heading);
    font-size: 17px;
    font-weight: 400;
    color: var(--dark);
    text-align: left;
    cursor: pointer;
    position: relative;
    transition: color var(--transition);
    line-height: 1.5;
}

.faq-question:hover {
    color: var(--gold);
}

.faq-question::after {
    content: '+';
    position: absolute;
    right: 0;
    top: 50%;
    transform: translateY(-50%);
    font-family: var(--font-body);
    font-size: 22px;
    font-weight: 300;
    color: var(--gold);
    transition: transform var(--transition);
}

.faq-item.active .faq-question::after {
    content: '\2212';
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.4s ease;
}

.faq-answer-inner {
    padding: 0 0 24px;
    font-size: 15px;
    line-height: 1.8;
    color: var(--gray-600);
}

.faq-item.active .faq-answer {
    max-height: 500px;
}

@media (max-width: 767px) {
    .faq-question {
        font-size: 15px;
        padding: 20px 36px 20px 0;
    }

    .faq-answer-inner {
        font-size: 14px;
    }

    .section-faq {
        padding: 60px 0;
    }
}

/* --- Utility --- */
.text-gold { color: var(--gold); }
.text-center { text-align: center; }