/* ============================================================
   Velmor Capital — shared editorial stylesheet (multi-page)
   Navy + cream + gold palette · animations · v3
============================================================ */

:root{
  --bg:#F4F2EA;
  --paper:#ECE9DF;
  --paper-2:#E2DECF;
  --surface:#FBFAF5;
  --surface-2:#ECE9DF;

  --navy:#0A2540;
  --navy-2:#163A63;
  --navy-3:#1F4D7A;
  --navy-soft:rgba(10,37,64,.06);
  --navy-line:rgba(10,37,64,.20);

  --ink:#0A2540;
  --ink-2:#1F2E47;
  --muted:#5C6678;
  --muted-2:#8B8B7E;

  --gold:#B8860B;
  --gold-light:#D4AF37;
  --gold-dark:#8F6809;
  --gold-soft:rgba(184,134,11,.10);
  --gold-line:rgba(184,134,11,.32);

  --rule:rgba(10,37,64,.14);
  --rule-soft:rgba(10,37,64,.08);

  --pos:#0F7B4A;
  --neg:#9B2C2C;

  --radius:6px;
  --radius-lg:10px;
  --maxw:1200px;

  --serif:'IBM Plex Sans Arabic', 'Source Serif 4', Georgia, 'Times New Roman', serif;
  --sans:'IBM Plex Sans Arabic', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --mono:'JetBrains Mono', 'IBM Plex Sans Arabic', monospace;

  --shadow-sm:0 1px 2px rgba(10,37,64,.06), 0 1px 3px rgba(10,37,64,.04);
  --shadow-md:0 4px 12px rgba(10,37,64,.08), 0 2px 4px rgba(10,37,64,.04);
  --shadow-lg:0 12px 28px rgba(10,37,64,.10), 0 4px 8px rgba(10,37,64,.06);
  --shadow-xl:0 24px 48px rgba(10,37,64,.12), 0 8px 16px rgba(10,37,64,.06);

  --ease-out:cubic-bezier(.22,1,.36,1);
  --ease-soft:cubic-bezier(.4,0,.2,1);
}

*{box-sizing:border-box;margin:0;padding:0;min-width:0}
html,body{overflow-x:hidden;max-width:100%;width:100%}
html{scroll-behavior:smooth}
body{
  font-family:var(--sans);
  background:var(--bg);
  color:var(--ink);
  line-height:1.6;
  font-weight:400;
  font-size:15px;
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
}
p,a,h1,h2,h3,h4{overflow-wrap:break-word;word-wrap:break-word}
img,svg,canvas,video{max-width:100%;height:auto}
a{color:inherit;text-decoration:none;transition:color .2s var(--ease-soft)}
img{display:block}
button{font-family:inherit;cursor:pointer;border:0;background:none;color:inherit}
.container{max-width:var(--maxw);margin:0 auto;padding-left:max(32px, env(safe-area-inset-left));padding-right:max(32px, env(safe-area-inset-right))}
.gold{color:var(--gold)}
.navy{color:var(--navy)}
.muted{color:var(--muted)}
.mono{font-family:var(--mono);font-feature-settings:'tnum'}
.serif{font-family:var(--serif)}

/* ===== TYPE ===== */
h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(34px,4.8vw,58px);line-height:1.05;font-weight:600;letter-spacing:-.025em}
h2{font-size:clamp(26px,3vw,38px);line-height:1.15;font-weight:600;letter-spacing:-.02em}
h3{font-size:18px;line-height:1.3;font-weight:600}
h4{font-size:15px;line-height:1.35;font-weight:600}
.kicker{
  font-family:var(--sans);
  font-size:11px;font-weight:700;
  color:var(--navy);letter-spacing:.18em;text-transform:uppercase;
  margin-bottom:14px;display:inline-flex;align-items:center;gap:8px;
}
.kicker::before{
  content:"";display:inline-block;
  width:24px;height:2px;background:var(--gold);
}

/* ===== MASTHEAD TOP STRIP ===== */
.masthead-top{
  border-bottom:1px solid var(--rule);
  background:var(--navy);
  font-size:11px;color:rgba(255,255,255,.7);
  letter-spacing:.06em;
}
.masthead-top-inner{
  display:flex;align-items:center;justify-content:space-between;
  height:34px;
}
.masthead-top-left{display:flex;gap:18px;align-items:center}
.masthead-top-right{display:flex;gap:14px;align-items:center}
.masthead-top a{color:rgba(255,255,255,.7);transition:color .2s var(--ease-soft)}
.masthead-top a:hover{color:#FFFFFF}
.edition-dot{
  width:6px;height:6px;border-radius:50%;background:var(--gold);
  display:inline-block;margin-right:8px;vertical-align:middle;
  box-shadow:0 0 0 0 rgba(184,134,11,.6);
  animation:pulse-gold 2.4s infinite var(--ease-out);
}
@keyframes pulse-gold{
  0%{box-shadow:0 0 0 0 rgba(184,134,11,.5)}
  70%{box-shadow:0 0 0 8px rgba(184,134,11,0)}
  100%{box-shadow:0 0 0 0 rgba(184,134,11,0)}
}

/* ===== NAV ===== */
.nav{
  position:sticky;top:0;z-index:100;
  background:rgba(244,242,234,.95);
  backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);
  border-bottom:1px solid var(--rule);
  transition:box-shadow .25s var(--ease-soft), background .25s;
}
.nav.scrolled{
  background:rgba(244,242,234,.98);
  box-shadow:0 1px 0 var(--rule), 0 8px 24px rgba(10,37,64,.05);
}
.nav-inner{
  display:flex;align-items:center;justify-content:space-between;
  height:66px;
}
.logo{
  display:flex;align-items:center;gap:12px;font-weight:700;
  font-size:17px;letter-spacing:.06em;font-family:var(--sans);
  color:var(--navy);
}
.logo-mark{
  width:34px;height:34px;border-radius:4px;flex-shrink:0;
  background:linear-gradient(135deg, var(--navy-3) 0%, var(--navy) 100%);
  display:grid;place-items:center;position:relative;
  box-shadow:var(--shadow-sm), inset 0 1px 0 rgba(255,255,255,.1);
  transition:transform .3s var(--ease-out);
}
.logo:hover .logo-mark{transform:rotate(-3deg) scale(1.05)}
.logo-mark svg{width:68%;height:68%;display:block;color:var(--gold)}
.logo-mark svg path{stroke:currentColor;fill:none;stroke-width:2.6;stroke-linecap:round;stroke-linejoin:round}
.logo .gold{color:var(--gold);transition:color .2s}
.nav-links{display:flex;gap:28px;align-items:center}
.nav-links a{
  font-size:13px;color:var(--ink-2);
  font-weight:500;letter-spacing:.01em;
  padding:6px 0;position:relative;
  transition:color .2s var(--ease-soft);
}
.nav-links a:not(.nav-terminal)::after{
  content:"";position:absolute;bottom:0;left:0;right:100%;
  height:2px;background:var(--navy);
  transition:right .25s var(--ease-out);
}
.nav-links a:not(.nav-terminal):hover{color:var(--navy)}
.nav-links a:not(.nav-terminal):hover::after{right:0}
.nav-links a.current{color:var(--navy);font-weight:600}
.nav-links a.current::after{right:0;background:var(--gold);height:2px}
.nav-divider{width:1px;height:18px;background:var(--rule);margin:0 4px}
.nav-terminal{
  display:inline-flex;align-items:center;gap:6px;
  padding:9px 16px;border-radius:4px;
  font-size:12.5px;font-weight:600;
  background:var(--navy);color:#FFFFFF !important;
  transition:all .25s var(--ease-out);
  border:1px solid var(--navy);
}
.nav-terminal:hover{
  background:var(--navy-2);
  transform:translateY(-1px);
  box-shadow:0 6px 16px rgba(10,37,64,.18);
}
.lang-switch{
  display:inline-flex;align-items:center;gap:6px;
  padding:7px 12px;border-radius:4px;
  font-family:var(--sans);font-size:12.5px;font-weight:600;
  color:var(--navy);background:var(--paper);
  border:1px solid var(--navy-line);cursor:pointer;
  transition:all .2s var(--ease-soft);letter-spacing:.02em;
  white-space:nowrap;
}
.lang-switch:hover{background:var(--navy);color:#FFFFFF;border-color:var(--navy)}
.lang-switch::before{content:"🌐";font-size:12px;line-height:1}
@media (max-width:720px){
  .lang-switch{padding:8px 10px;font-size:12px}
}
/* When LTR (English) active, flip a few Arabic-only overrides */
html[lang="en"] .page-header h1 .accent{font-style:italic}

.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px}
.burger span{width:22px;height:2px;background:var(--navy);transition:.3s}

/* ===== MARKET TICKER ===== */
.ticker-bar{
  background:var(--paper);
  border-bottom:1px solid var(--rule);
  overflow:hidden;
  position:relative;
}
.ticker-bar::before{
  content:"";position:absolute;left:0;top:0;bottom:0;width:60px;
  background:linear-gradient(90deg, var(--paper) 0%, transparent 100%);
  z-index:1;pointer-events:none;
}
.ticker-bar::after{
  content:"";position:absolute;right:0;top:0;bottom:0;width:60px;
  background:linear-gradient(-90deg, var(--paper) 0%, transparent 100%);
  z-index:1;pointer-events:none;
}
.ticker-inner{
  display:flex;align-items:center;gap:32px;
  padding:9px 32px;font-family:var(--mono);
  font-size:11.5px;color:var(--ink-2);
  overflow-x:auto;scrollbar-width:none;
}
.ticker-inner::-webkit-scrollbar{display:none}
.ticker-item{display:inline-flex;align-items:center;gap:8px;white-space:nowrap;flex-shrink:0;flex-grow:0}
.ticker-item .lbl{color:var(--muted);font-weight:500}
.ticker-item .val{font-weight:600;color:var(--navy)}
.ticker-item .delta{font-size:11px;font-weight:600}
.ticker-item .delta.pos{color:var(--pos)}
.ticker-item .delta.neg{color:var(--neg)}
.ticker-illustrative{
  display:inline-block;margin-left:6px;padding:1px 6px;
  background:var(--gold-soft);border:1px solid var(--gold-line);
  color:var(--gold);font-family:var(--sans);font-size:9px;
  font-weight:700;text-transform:uppercase;letter-spacing:.08em;
  border-radius:2px;vertical-align:middle;
}

/* ===== ARTICLE MODAL ===== */
.article-modal{
  position:fixed;inset:0;z-index:200;
  display:flex;align-items:center;justify-content:center;
  padding:24px;
  opacity:0;transition:opacity .22s var(--ease-soft);
}
.article-modal.open{opacity:1}
.article-modal[hidden]{display:none}
.article-modal-backdrop{
  position:absolute;inset:0;
  background:rgba(10,37,64,.55);
  backdrop-filter:blur(4px);-webkit-backdrop-filter:blur(4px);
}
.article-modal-panel{
  position:relative;z-index:1;
  width:100%;max-width:760px;max-height:calc(100vh - 48px);
  background:var(--surface);border:1px solid var(--rule);
  border-radius:var(--radius-lg);box-shadow:var(--shadow-xl);
  display:flex;flex-direction:column;
  transform:translateY(8px);transition:transform .22s var(--ease-out);
}
.article-modal.open .article-modal-panel{transform:none}
.article-modal-close{
  position:absolute;top:12px;right:12px;z-index:2;
  width:38px;height:38px;border-radius:50%;
  background:var(--paper);border:1px solid var(--rule);
  color:var(--navy);display:grid;place-items:center;
  transition:all .2s var(--ease-soft);
}
.article-modal-close:hover{background:var(--navy);color:#FFFFFF;border-color:var(--navy)}
.article-modal-close svg{width:18px;height:18px;display:block}
.article-modal-scroll{
  overflow-y:auto;padding:44px 48px 36px;
  scrollbar-width:thin;scrollbar-color:var(--navy-line) transparent;
}
.article-modal-scroll::-webkit-scrollbar{width:6px}
.article-modal-scroll::-webkit-scrollbar-thumb{background:var(--navy-line);border-radius:3px}
.article-modal-topic{
  font-size:11px;color:var(--gold);font-weight:700;
  text-transform:uppercase;letter-spacing:.16em;margin-bottom:14px;
}
.article-modal-title{
  font-family:var(--serif);font-size:clamp(24px,3vw,32px);
  line-height:1.2;color:var(--navy);font-weight:600;
  letter-spacing:-.02em;margin-bottom:14px;
}
.article-modal-meta{
  display:flex;flex-wrap:wrap;align-items:center;gap:10px;
  font-size:12px;color:var(--muted);
  padding-bottom:22px;margin-bottom:26px;
  border-bottom:1px solid var(--rule);
}
.article-modal-body p{
  font-family:var(--serif);font-size:16px;line-height:1.75;
  color:var(--ink-2);margin-bottom:18px;
}
.article-modal-body h3{
  font-family:var(--serif);font-size:19px;color:var(--navy);
  margin:26px 0 10px;font-weight:600;letter-spacing:-.01em;
}
.article-modal-body strong{color:var(--navy);font-weight:600}
.article-modal-foot{
  display:flex;gap:12px;flex-wrap:wrap;
  padding-top:24px;margin-top:8px;
  border-top:1px solid var(--rule);
}
@media (max-width:720px){
  .article-modal{padding:0}
  .article-modal-panel{max-width:100%;max-height:100vh;border-radius:0;border:0}
  .article-modal-scroll{padding:60px 22px 28px}
  .article-modal-title{font-size:22px}
  .article-modal-body p{font-size:15.5px}
}

/* ===== PAGE HEADER ===== */
.page-header{
  padding:64px 0 44px;
  border-bottom:1px solid var(--rule);
  position:relative;overflow:hidden;
}
.page-header::after{
  content:"";position:absolute;top:0;right:-100px;width:400px;height:400px;
  background:radial-gradient(circle, rgba(184,134,11,.08), transparent 65%);
  pointer-events:none;z-index:0;
}
.page-header > .container{position:relative;z-index:2}

/* Photo backdrop for page-headers.
   Solid navy base + photo blended via `multiply` so the photo darkens navy
   only where it has dark pixels (buildings become silhouettes). Bright photo
   regions don't lighten the canvas — no "light rectangle" artifacts.
   Sharp navy-to-cream cut at the bottom border (no gradient transition that
   could create visible patches). */
.page-header.with-photo{
  padding:96px 0 72px;min-height:380px;
  display:flex;align-items:center;
  background:var(--navy);
  border-bottom:1px solid var(--rule);
}
.page-header.with-photo > .container{width:100%;position:relative;z-index:3}
.page-header.with-photo .photo-bg{
  position:absolute;inset:0;z-index:0;pointer-events:none;
  background-size:cover;background-position:center;
  filter:grayscale(1) contrast(1.15) brightness(.95);
  opacity:.6;
  mix-blend-mode:multiply;
}
/* Single thin navy overlay — only to slightly even out the top edge where
   nav-shadow falls. No bottom fade, no horizontal gradients. */
.page-header.with-photo::before{
  content:"";position:absolute;inset:0;z-index:1;pointer-events:none;
  background:linear-gradient(180deg,
    rgba(10,37,64,.25) 0%,
    rgba(10,37,64,.05) 25%,
    rgba(10,37,64,.05) 100%);
}
.page-header.with-photo::after{display:none}
/* Text gets a soft dark-cream shadow that improves readability on any
   underlying photo tone without looking like a glow halo. */
.page-header.with-photo h1{color:#FFFFFF;text-shadow:0 2px 12px rgba(10,37,64,.55), 0 1px 2px rgba(10,37,64,.4)}
.page-header.with-photo h1 .accent{color:var(--gold-light);text-shadow:0 2px 12px rgba(10,37,64,.55), 0 1px 2px rgba(10,37,64,.4)}
.page-header.with-photo .deck{color:#F5F2EA;text-shadow:0 1px 6px rgba(10,37,64,.6), 0 1px 2px rgba(10,37,64,.4)}
.page-header.with-photo .deck strong{color:#FFFFFF}
.page-header.with-photo .crumb{color:rgba(245,242,234,.85);text-shadow:0 1px 4px rgba(10,37,64,.7)}
.page-header.with-photo .crumb a{color:rgba(245,242,234,.85)}
.page-header.with-photo .crumb a:hover{color:var(--gold-light)}
.page-header.with-photo .meta{color:rgba(245,242,234,.78);border-top-color:rgba(245,242,234,.20);text-shadow:0 1px 4px rgba(10,37,64,.7)}
.page-header.with-photo .meta strong{color:#FFFFFF}
@media (max-width:1024px){
  .page-header.with-photo{padding:72px 0 56px;min-height:300px}
}
@media (max-width:720px){
  .page-header.with-photo{padding:52px 0 40px;min-height:auto}
  /* match desktop treatment — no cream fade, sharp border-bottom transition */
  .page-header.with-photo::before{
    background:linear-gradient(180deg,
      rgba(10,37,64,.30) 0%,
      rgba(10,37,64,.05) 30%,
      rgba(10,37,64,.05) 100%);
  }
  .page-header.with-photo .photo-bg{opacity:.6}
}
@media (prefers-reduced-motion: no-preference){
  .page-header.with-photo .photo-bg{
    animation:photoSubtleZoom 24s ease-in-out infinite alternate;
  }
}
@keyframes photoSubtleZoom{
  from{transform:scale(1)}
  to{transform:scale(1.06)}
}
.page-header .crumb{
  font-size:11px;color:var(--muted);text-transform:uppercase;
  letter-spacing:.16em;font-weight:700;margin-bottom:18px;
}
.page-header .crumb a{color:var(--muted);transition:color .2s}
.page-header .crumb a:hover{color:var(--navy)}
.page-header h1{
  font-size:clamp(32px,4.5vw,52px);margin-bottom:18px;
  font-family:var(--serif);color:var(--navy);
}
.page-header h1 .accent{color:var(--gold);font-style:italic;font-weight:500}
.page-header .deck{
  font-family:var(--serif);font-size:19px;line-height:1.55;
  color:var(--ink-2);max-width:780px;
}
.page-header .meta{
  display:flex;align-items:center;gap:16px;flex-wrap:wrap;
  margin-top:24px;padding-top:22px;border-top:1px solid var(--rule);
  font-size:12px;color:var(--muted);
}
.page-header .meta strong{color:var(--navy);font-weight:600}

/* ===== SECTIONS ===== */
section{padding:60px 0;border-bottom:1px solid var(--rule);position:relative;scroll-margin-top:90px}
section:last-of-type{border-bottom:0}
/* Alternating section background — apply .section-alt on every other section
   so long pages have visual rhythm instead of being a single cream slab. */
.section-alt{background:var(--paper)}
.section-alt + section,section + .section-alt{border-top:0}
.section-head{max-width:780px;margin:0 0 40px;position:relative}
.section-head .lead-num{
  font-family:var(--mono);font-size:11px;color:var(--gold);
  letter-spacing:.16em;font-weight:700;display:block;margin-bottom:6px;
}
.section-head h2{margin-bottom:14px;color:var(--navy)}
.section-head .deck{
  font-family:var(--serif);
  font-size:17px;color:var(--muted);line-height:1.55;
}

/* ===== ARTICLE / PROSE ===== */
.prose{max-width:720px}
.prose p{
  font-family:var(--serif);font-size:17px;line-height:1.75;
  color:var(--ink-2);margin-bottom:22px;
}
.prose p:first-of-type::first-letter{
  font-family:var(--serif);font-size:60px;float:left;
  line-height:.95;padding:8px 14px 0 0;color:var(--navy);font-weight:600;
}
.prose strong{color:var(--navy);font-weight:600}
.prose h3{
  font-family:var(--serif);font-size:22px;
  margin:34px 0 14px;color:var(--navy);
}

/* ===== TWO COL with sticky side ===== */
.two-col{display:grid;grid-template-columns:1fr 1.6fr;gap:64px;align-items:start}
.two-col-side{
  position:sticky;top:130px;
  padding-right:24px;border-right:1px solid var(--rule);
}
.two-col-side .lbl{
  font-size:11px;color:var(--muted);
  text-transform:uppercase;letter-spacing:.14em;font-weight:700;margin-bottom:14px;
}
.two-col-side h2{font-family:var(--serif);font-size:28px;line-height:1.2;margin-bottom:18px;color:var(--navy)}
.two-col-side p{font-size:14px;color:var(--muted);line-height:1.6}

/* ===== KEY FIGURES ===== */
.figures{padding:46px 0;background:var(--paper);border-bottom:1px solid var(--rule);position:relative;overflow:hidden}
.figures-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:48px;position:relative}
.figure{border-left:1px solid var(--rule);padding-left:20px}
.figure:first-child{border-left:0;padding-left:0}
.figure .l{
  font-size:11px;color:var(--muted);
  text-transform:uppercase;letter-spacing:.14em;
  font-weight:700;margin-bottom:10px;
}
.figure .v{
  font-family:var(--mono);font-size:clamp(22px,4.5vw,32px);font-weight:600;
  color:var(--navy);letter-spacing:-.015em;line-height:1.05;
  overflow-wrap:anywhere;
}
.figure .v span{color:var(--gold);font-size:18px;margin-left:2px}
.figure .sub{font-size:11px;color:var(--muted);margin-top:6px}

/* ===== HERO CHART (homepage) — standalone data panel ===== */
.hero-chart-wrap{
  padding:28px;
  background:var(--surface);
  border:1px solid var(--rule);border-radius:var(--radius);
  box-shadow:var(--shadow-md);
  display:grid;grid-template-columns:1fr 1.4fr;gap:28px;align-items:stretch;
}
.hero-chart-meta{display:flex;flex-direction:column;justify-content:space-between;gap:14px}
.hero-chart-meta .lbl{font-size:10.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.14em;font-weight:700}
.hero-chart-meta .live{
  font-size:10.5px;color:var(--gold);font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  display:inline-flex;align-items:center;gap:6px;
}
.hero-chart-meta .live::before{
  content:"";width:6px;height:6px;border-radius:50%;background:var(--gold);
  animation:pulse-gold 2.4s infinite var(--ease-out);
}
.hero-chart-meta .big{
  font-family:var(--mono);font-size:clamp(24px,5vw,34px);font-weight:600;
  color:var(--navy);letter-spacing:-.02em;line-height:1.05;margin-top:6px;
  overflow-wrap:anywhere;
}
.hero-chart-meta .delta{font-size:13px;font-weight:600;color:var(--pos);margin-top:4px}
.hero-chart-meta .split{display:grid;grid-template-columns:1fr 1fr;gap:14px;padding-top:14px;border-top:1px solid var(--rule)}
.hero-chart-meta .split .cell .l{font-size:10.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.12em;font-weight:700;margin-bottom:3px}
.hero-chart-meta .split .cell .v{font-family:var(--mono);font-size:14px;font-weight:600;color:var(--navy)}
.hero-chart-canvas{position:relative;min-height:180px;height:100%}
.hero-chart-canvas canvas{display:block;width:100% !important;height:100% !important}

/* ===== TABLES (data) ===== */
.data-table-wrap{
  border:1px solid var(--rule);border-radius:var(--radius);
  overflow:hidden;background:var(--surface);
  box-shadow:var(--shadow-sm);
  transition:box-shadow .3s var(--ease-soft);
}
.data-table-wrap:hover{box-shadow:var(--shadow-md)}
.data-table{width:100%;border-collapse:collapse;font-size:14px}
.data-table thead th{
  text-align:left;padding:16px 18px;
  font-size:11px;font-weight:700;color:var(--muted);
  text-transform:uppercase;letter-spacing:.14em;
  border-bottom:1px solid var(--rule);background:var(--paper);
}
.data-table thead th.r{text-align:right}
.data-table tbody td{
  padding:18px;border-bottom:1px solid var(--rule-soft);vertical-align:top;
  transition:background .2s var(--ease-soft);
}
.data-table tbody tr:last-child td{border-bottom:0}
.data-table tbody tr{transition:transform .2s var(--ease-soft)}
.data-table tbody tr:hover td{background:var(--paper)}
.data-table td.r{text-align:right;font-family:var(--mono);font-weight:600;color:var(--navy)}
.data-table .row-title{
  font-family:var(--serif);font-size:17px;font-weight:600;
  color:var(--navy);margin-bottom:4px;
}
.data-table .row-desc{font-size:13px;color:var(--muted);line-height:1.5;max-width:480px}
.data-table .tag{
  display:inline-block;font-size:10px;font-weight:700;
  text-transform:uppercase;letter-spacing:.1em;
  color:var(--gold);margin-top:6px;
}
.data-table .alloc-bar{
  display:inline-block;width:60px;height:4px;
  background:var(--rule);border-radius:2px;overflow:hidden;
  vertical-align:middle;margin-right:8px;position:relative;
}
.data-table .alloc-bar span{
  display:block;height:100%;background:linear-gradient(90deg, var(--navy), var(--navy-2));
  border-radius:2px;width:0;
  transition:width 1.2s var(--ease-out);
}
.data-table-wrap.visible .alloc-bar span{width:var(--w, 50%)}

/* ===== INDEX CARD GRID (home page nav) ===== */
.index-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.index-card{
  display:flex;flex-direction:column;
  background:var(--surface);
  border:1px solid var(--rule);
  border-radius:var(--radius);
  transition:all .35s var(--ease-out);
  position:relative;overflow:hidden;
}
.index-card-cover{
  height:140px;background-size:cover;background-position:center;
  position:relative;overflow:hidden;
  border-bottom:1px solid var(--rule);
}
.index-card-cover::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(180deg, rgba(10,37,64,.25) 0%, rgba(10,37,64,.50) 100%);
  transition:background .35s var(--ease-out);
}
.index-card-body{padding:24px 24px 26px;flex:1;display:flex;flex-direction:column}
.index-card::before{
  content:"";position:absolute;top:0;left:0;right:0;height:3px;z-index:2;
  background:linear-gradient(90deg, var(--navy), var(--gold));
  transform:scaleX(0);transform-origin:left;
  transition:transform .4s var(--ease-out);
}
.index-card:hover{
  border-color:var(--navy-line);
  transform:translateY(-4px);
  box-shadow:var(--shadow-lg);
}
.index-card:hover::before{transform:scaleX(1)}
.index-card:hover .index-card-cover::after{background:linear-gradient(180deg, rgba(10,37,64,.15) 0%, rgba(10,37,64,.42) 100%)}
.index-card .num{
  font-family:var(--mono);font-size:11px;color:var(--gold);
  letter-spacing:.16em;font-weight:700;display:block;margin-bottom:10px;
}
.index-card h3{
  font-family:var(--serif);font-size:20px;line-height:1.25;
  color:var(--navy);margin-bottom:10px;font-weight:600;
}
.index-card p{font-size:13.5px;color:var(--muted);line-height:1.55;margin-bottom:16px;flex:1}
.index-card .read{
  font-size:11.5px;color:var(--navy);font-weight:700;
  text-transform:uppercase;letter-spacing:.12em;
  display:inline-flex;align-items:center;gap:6px;
  transition:gap .25s var(--ease-out), color .2s;
}
.index-card:hover .read{gap:12px;color:var(--gold)}

/* ===== PULL QUOTE ===== */
.pull-quote{padding:28px 0;border-top:2px solid var(--navy)}
.pull-quote q{
  display:block;font-family:var(--serif);font-size:19px;line-height:1.5;
  color:var(--navy);quotes:none;margin-bottom:22px;font-weight:400;
}
.pull-quote q::before{content:"\201C";color:var(--gold);font-weight:600;font-size:1.2em}
.pull-quote q::after{content:"\201D";color:var(--gold);font-weight:600;font-size:1.2em}
.pull-quote-author{display:flex;align-items:center;gap:12px}
.pull-quote-avatar{
  width:38px;height:38px;border-radius:50%;
  background:var(--surface-2);overflow:hidden;flex-shrink:0;
  border:2px solid var(--navy-line);
}
.pull-quote-avatar img{width:100%;height:100%;object-fit:cover;display:block}
.pull-quote-name{font-size:13px;font-weight:600;color:var(--navy)}
.pull-quote-role{font-size:11.5px;color:var(--muted);margin-top:2px}

/* ===== ALLOCATIONS / TIERS ===== */
.pkg-grid{
  display:grid;grid-template-columns:repeat(4,1fr);gap:0;
  border:1px solid var(--rule);border-radius:var(--radius);
  overflow:hidden;background:var(--surface);box-shadow:var(--shadow-sm);
}
.pkg{
  display:flex;flex-direction:column;
  padding:26px 22px;border-right:1px solid var(--rule);
  position:relative;background:var(--surface);
  transition:background .3s var(--ease-soft);
}
.pkg:last-child{border-right:0}
.pkg:hover{background:var(--paper)}
.pkg.featured{background:var(--paper)}
.pkg.featured::before{
  content:"";position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg, var(--navy), var(--gold));
}
.pkg-badge{
  position:absolute;top:-1px;right:14px;
  background:var(--navy);color:#FFFFFF;
  padding:5px 10px;font-size:9.5px;font-weight:700;
  text-transform:uppercase;letter-spacing:.14em;
  border-radius:0 0 3px 3px;
}
.pkg-name{
  font-family:var(--sans);font-size:11px;text-transform:uppercase;
  letter-spacing:.18em;color:var(--muted);font-weight:700;margin-bottom:14px;
}
.pkg-min{
  font-family:var(--mono);font-size:clamp(20px,3.5vw,26px);font-weight:600;
  color:var(--navy);letter-spacing:-.01em;margin-bottom:4px;
  display:flex;align-items:baseline;gap:6px;flex-wrap:wrap;
  overflow-wrap:anywhere;
}
.pkg-min .suf{font-size:11px;color:var(--muted);font-weight:500;font-family:var(--sans)}
.pkg-rate{
  font-size:12px;color:var(--gold);font-weight:700;
  letter-spacing:.04em;margin-bottom:14px;
}
.pkg-desc{
  font-size:13px;color:var(--muted);line-height:1.55;
  margin-bottom:18px;padding-bottom:18px;
  border-bottom:1px solid var(--rule);
}
.pkg-list{list-style:none;flex:1;margin-bottom:0}
.pkg-list li{
  display:flex;align-items:flex-start;gap:8px;
  font-size:13px;color:var(--ink-2);padding:5px 0;line-height:1.45;
}
.pkg-list li::before{
  content:"";flex-shrink:0;width:14px;height:14px;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%230A2540' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:center;margin-top:3px;
}

/* ===== COMPARE TABLE ===== */
.compare-wrap{
  margin-top:36px;border:1px solid var(--rule);border-radius:var(--radius);
  overflow:hidden;background:var(--surface);box-shadow:var(--shadow-sm);
}
.compare-head{
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 22px;border-bottom:1px solid var(--rule);background:var(--paper);
}
.compare-head h3{font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.12em;color:var(--navy);font-family:var(--sans)}
.compare-head .chip{
  display:inline-block;padding:4px 10px;border-radius:99px;
  font-size:10.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  background:var(--navy-soft);color:var(--navy);border:1px solid var(--navy-line);
}
.compare-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.compare-table{width:100%;border-collapse:collapse;min-width:680px}
@media (max-width:720px){
  .compare-table{min-width:560px;font-size:12px}
  .compare-table thead th,.compare-table tbody td{padding:10px 12px}
}
.compare-table thead th{
  text-align:left;padding:14px 18px;font-size:10.5px;font-weight:700;
  color:var(--muted);text-transform:uppercase;letter-spacing:.14em;
  border-bottom:1px solid var(--rule);
}
.compare-table thead th:not(:first-child){text-align:center}
.compare-table thead th.featured{color:var(--gold)}
.compare-table tbody td{
  padding:13px 18px;font-size:13px;
  border-bottom:1px solid var(--rule-soft);color:var(--ink-2);
  transition:background .2s;
}
.compare-table tbody td:not(:first-child){text-align:center}
.compare-table tbody tr:last-child td{border-bottom:0}
.compare-table tbody tr:hover td{background:var(--paper)}
.compare-table .row-label{color:var(--navy);font-weight:500}
.compare-table .row-label small{display:block;color:var(--muted);font-weight:400;font-size:11.5px;margin-top:2px}
.compare-table td.featured{background:rgba(184,134,11,.05)}
.compare-table .yes{color:var(--navy);font-weight:700;font-size:15px}
.compare-table .no{color:var(--muted-2);opacity:.5}
.compare-table .v{font-family:var(--mono);font-weight:600;color:var(--navy)}

/* ===== CALCULATOR WARNING ===== */
.calc-warning{
  display:flex;align-items:flex-start;gap:14px;
  padding:16px 20px;margin-bottom:24px;
  background:var(--gold-soft);
  border:1px solid var(--gold-line);
  border-left:3px solid var(--gold);
  border-radius:var(--radius);
  font-size:13.5px;line-height:1.6;color:var(--ink-2);
}
.calc-warning strong{color:var(--navy);display:block;margin-bottom:4px;font-weight:600}
.calc-warning em{font-style:italic;color:var(--navy);font-weight:500}
.calc-warning-icon{
  flex-shrink:0;width:24px;height:24px;border-radius:50%;
  background:var(--gold);color:#FFFFFF;
  display:grid;place-items:center;
  font-family:var(--serif);font-weight:700;font-size:15px;line-height:1;
  margin-top:1px;
}
@media (max-width:720px){
  .calc-warning{padding:14px 16px;font-size:13px;gap:12px}
  .calc-warning-icon{width:22px;height:22px;font-size:14px}
}

/* ===== CALCULATOR ===== */
.calc-wrap{
  display:grid;grid-template-columns:1fr 1fr;gap:0;
  border:1px solid var(--rule);border-radius:var(--radius);
  overflow:hidden;background:var(--surface);box-shadow:var(--shadow-md);
}
.calc-controls{padding:30px}
.calc-row{margin-bottom:22px}
.calc-controls label{display:block;font-size:11px;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.14em;margin-bottom:10px}
.calc-amount-wrap{position:relative}
.calc-amount-wrap::before{
  content:"$";position:absolute;left:14px;top:50%;transform:translateY(-50%);
  color:var(--navy);font-weight:700;font-size:16px;line-height:1;
  pointer-events:none;z-index:2;font-family:var(--mono);
}
.calc-controls .calc-amount-wrap input[type="number"]{
  padding-left:30px;font-size:18px;font-weight:600;font-family:var(--mono);color:var(--navy);
}
.calc-controls .calc-amount-wrap input[type="number"]::-webkit-inner-spin-button,
.calc-controls .calc-amount-wrap input[type="number"]::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}
.calc-controls .calc-amount-wrap input[type="number"]{-moz-appearance:textfield}
.calc-controls input[type="number"],.calc-controls select{
  width:100%;padding:12px 14px;border-radius:4px;
  background:var(--bg);border:1px solid var(--rule);
  color:var(--ink);transition:all .2s var(--ease-soft);font-size:14px;
}
.calc-controls input[type="number"]:focus,.calc-controls select:focus{
  outline:none;border-color:var(--navy);box-shadow:0 0 0 3px var(--navy-soft);
}
.calc-slider{
  -webkit-appearance:none;width:100%;height:4px;border-radius:2px;
  background:var(--rule);outline:none;
}
.calc-slider::-webkit-slider-thumb{
  -webkit-appearance:none;width:18px;height:18px;border-radius:50%;
  background:var(--navy);cursor:pointer;
  box-shadow:0 0 0 3px var(--navy-soft);
  transition:transform .15s var(--ease-out);
}
.calc-slider::-webkit-slider-thumb:hover{transform:scale(1.15)}
.calc-slider::-moz-range-thumb{
  width:18px;height:18px;border-radius:50%;border:0;
  background:var(--navy);cursor:pointer;box-shadow:0 0 0 3px var(--navy-soft);
}
.calc-period-val{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px}
.calc-period-val .v{font-family:var(--mono);font-size:22px;font-weight:700;color:var(--navy)}
.calc-period-val .l{font-size:12px;color:var(--muted)}

/* Period preset picker — 4 buttons (Month / Quarter / Half-year / Year) */
.calc-period-picker{
  display:grid;grid-template-columns:repeat(4,1fr);gap:6px;
  background:var(--bg);border:1px solid var(--rule);
  border-radius:4px;padding:4px;
}
.calc-period-picker button{
  display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2px;
  padding:11px 6px;border-radius:3px;
  font-family:var(--sans);font-size:13px;font-weight:600;
  color:var(--muted);background:transparent;cursor:pointer;
  transition:all .2s var(--ease-soft);min-height:54px;line-height:1.1;
}
.calc-period-picker button small{
  font-family:var(--mono);font-size:10px;font-weight:500;
  color:var(--muted);opacity:.65;letter-spacing:.02em;
}
.calc-period-picker button:hover{color:var(--navy);background:var(--paper)}
.calc-period-picker button.active{background:var(--navy);color:#FFFFFF}
.calc-period-picker button.active small{color:#FFFFFF;opacity:.7}

/* Payout schedule callout */
.calc-payout{
  display:flex;align-items:flex-start;gap:12px;
  margin-top:14px;padding:12px 14px;border-radius:4px;
  background:var(--gold-soft);border:1px solid var(--gold-line);
}
.calc-payout-icon{
  flex-shrink:0;font-size:16px;line-height:1;margin-top:1px;
  filter:saturate(0.85);
}
.calc-payout > div{display:flex;flex-direction:column;gap:2px;min-width:0;flex:1}
.calc-payout .l{font-size:10px;color:var(--gold);font-weight:700;
  text-transform:uppercase;letter-spacing:.14em;}
.calc-payout .v{font-size:13px;color:var(--navy);font-weight:500;line-height:1.4}

@media (max-width:720px){
  .calc-period-picker button{font-size:12px;padding:10px 4px;min-height:50px}
  .calc-period-picker button small{font-size:9.5px}
}
@media (max-width:380px){
  .calc-period-picker{gap:4px;padding:3px}
  .calc-period-picker button{font-size:11.5px;padding:9px 2px;min-height:46px}
  .calc-period-picker button small{font-size:9px}
}
.calc-result{
  background:var(--paper);border-left:1px solid var(--rule);
  padding:30px;display:flex;flex-direction:column;justify-content:center;
}
.calc-total-block{padding-bottom:24px;margin-bottom:24px;border-bottom:1px solid var(--rule)}
.calc-total-block .l{display:block;font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.14em;font-weight:700;margin-bottom:10px}
.calc-total-block .v{
  font-family:var(--mono);font-weight:600;color:var(--navy);
  font-size:clamp(26px,4.2vw,42px);letter-spacing:-.02em;line-height:1.1;
  overflow-wrap:anywhere;
  transition:color .3s;
}
.calc-split{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.calc-out{padding:14px 16px;border-radius:4px;background:var(--surface);border:1px solid var(--rule)}
.calc-out .l{display:block;font-size:10.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.14em;font-weight:700;margin-bottom:6px}
.calc-out .v{font-family:var(--mono);font-weight:700;font-size:clamp(14px,2vw,18px);overflow-wrap:anywhere;line-height:1.2;color:var(--navy)}
.calc-out .v.pos{color:var(--gold)}
.calc-note{font-size:11.5px;color:var(--muted);margin-top:18px;line-height:1.55;font-style:italic}
.calc-toggle{display:flex;background:var(--bg);border:1px solid var(--rule);border-radius:4px;padding:3px;gap:3px}
.calc-toggle button{flex:1;padding:9px 12px;border-radius:3px;font-size:12.5px;font-weight:600;color:var(--muted);transition:all .2s var(--ease-soft);cursor:pointer}
.calc-toggle button.active{background:var(--navy);color:#FFFFFF}
.calc-monthly{display:flex;justify-content:space-between;align-items:baseline;margin-top:18px;padding:12px 14px;border-radius:4px;background:var(--navy-soft);border:1px solid var(--navy-line)}
.calc-monthly .l{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.14em;font-weight:700}
.calc-monthly .v{font-family:var(--mono);font-size:15px;font-weight:700;color:var(--navy)}

/* ===== TEAM ===== */
.team-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px}
.team-card{
  border-top:2px solid var(--navy);padding-top:22px;
  transition:transform .3s var(--ease-out);
}
.team-card:hover{transform:translateY(-3px)}
.team-photo{
  width:68px;height:68px;border-radius:50%;
  background:var(--surface-2);
  margin-bottom:18px;overflow:hidden;
  border:2px solid var(--navy-line);
  transition:border-color .3s, transform .3s var(--ease-out);
}
.team-card:hover .team-photo{border-color:var(--gold);transform:scale(1.05)}
.team-photo img{width:100%;height:100%;object-fit:cover;display:block}
.team-name{font-family:var(--serif);font-size:18px;font-weight:600;margin-bottom:4px;color:var(--navy)}
.team-role{font-size:11px;color:var(--gold);text-transform:uppercase;letter-spacing:.14em;font-weight:700;margin-bottom:12px}
.team-bio{font-size:13.5px;color:var(--muted);line-height:1.6}
.team-bio strong{color:var(--navy)}
.team-card .creds{display:flex;flex-wrap:wrap;gap:6px;margin-top:14px}
.cred-pill{
  display:inline-block;font-size:10px;padding:3px 8px;border-radius:3px;
  background:var(--paper);border:1px solid var(--rule);
  color:var(--muted);text-transform:uppercase;letter-spacing:.08em;font-weight:600;
  transition:all .2s var(--ease-soft);
}
.cred-pill:hover{border-color:var(--navy-line);color:var(--navy)}

/* ===== INSIGHTS GRID ===== */
.insights-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.article-card{
  background:var(--surface);border:1px solid var(--rule);
  border-radius:var(--radius);
  transition:all .3s var(--ease-out);
  display:flex;flex-direction:column;
  position:relative;overflow:hidden;
  cursor:pointer;
}
.article-card[tabindex]:focus-visible{
  outline:2px solid var(--gold);outline-offset:3px;
}
.article-cover{
  height:170px;background-size:cover;background-position:center;
  position:relative;border-bottom:1px solid var(--rule);overflow:hidden;
}
.article-cover::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(180deg, rgba(10,37,64,.08) 0%, rgba(10,37,64,.32) 100%);
  transition:background .35s var(--ease-out);
}
.article-cover img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block;transition:transform .6s var(--ease-out)}
.article-card-body{padding:24px 26px 26px;flex:1;display:flex;flex-direction:column}
.article-card::after{
  content:"";position:absolute;left:0;top:0;bottom:0;width:3px;z-index:2;
  background:var(--navy);transform:scaleY(0);transform-origin:top;
  transition:transform .35s var(--ease-out);
}
.article-card:hover{
  border-color:var(--navy-line);
  transform:translateY(-3px);
  box-shadow:var(--shadow-md);
}
.article-card:hover::after{transform:scaleY(1)}
.article-card:hover .article-cover img{transform:scale(1.04)}
.article-card:hover .article-cover::after{background:linear-gradient(180deg, rgba(10,37,64,0) 0%, rgba(10,37,64,.20) 100%)}
.article-card .topic{
  font-size:10.5px;color:var(--gold);font-weight:700;
  text-transform:uppercase;letter-spacing:.14em;margin-bottom:14px;
}
.article-card h3{font-family:var(--serif);font-size:21px;line-height:1.25;margin-bottom:12px;font-weight:600;color:var(--navy)}
.article-card p{font-size:14px;color:var(--muted);line-height:1.6;margin-bottom:18px;flex:1}
.article-card .meta{font-size:11.5px;color:var(--muted);padding-top:14px;border-top:1px solid var(--rule);display:flex;align-items:center;justify-content:space-between}
.article-card .meta .author{color:var(--navy);font-weight:600}
@media (max-width:720px){
  .article-cover{height:160px}
  .article-card-body{padding:22px 20px 24px}
  .index-card-cover{height:120px}
  .index-card-body{padding:20px 20px 22px}
}

/* ===== DISCLOSURES ===== */
.disc-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:0;
  border:1px solid var(--rule);border-radius:var(--radius);
  overflow:hidden;background:var(--surface);box-shadow:var(--shadow-sm);
}
.disc-row{padding:26px 28px;border-right:1px solid var(--rule);border-bottom:1px solid var(--rule);transition:background .2s}
.disc-row:hover{background:var(--paper)}
.disc-row:nth-child(3n){border-right:0}
.disc-row:nth-last-child(-n+3){border-bottom:0}
.disc-row h4{font-family:var(--serif);font-size:17px;margin-bottom:8px;color:var(--navy)}
.disc-row p{font-size:13.5px;color:var(--muted);line-height:1.6}
.disc-row .num{font-family:var(--mono);font-size:11px;color:var(--gold);letter-spacing:.14em;font-weight:700;margin-bottom:10px;display:block}

/* ===== FAQ ===== */
.faq-wrap{max-width:880px;border-top:1px solid var(--rule)}
.faq{border-bottom:1px solid var(--rule)}
.faq summary{
  list-style:none;padding:22px 0;cursor:pointer;
  display:flex;align-items:center;justify-content:space-between;gap:16px;
  font-family:var(--serif);font-weight:600;font-size:17px;color:var(--navy);
  transition:color .2s;
}
.faq summary:hover{color:var(--gold)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"+";font-size:24px;color:var(--gold);font-weight:300;
  transition:transform .3s var(--ease-out);line-height:.7;flex-shrink:0;
}
.faq[open] summary::after{transform:rotate(45deg)}
.faq-body{padding:0 0 22px;color:var(--muted);font-size:14.5px;line-height:1.7;font-family:var(--sans)}
.faq-body p{margin-bottom:10px}
.faq-body p:last-child{margin-bottom:0}
.faq-body strong{color:var(--navy);font-weight:600}

/* ===== CONTACT FORM ===== */
.contact-wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px}
.contact-text .deck{font-family:var(--serif);font-size:17px;color:var(--muted);line-height:1.65;margin-bottom:24px}
.cta-contacts{display:flex;flex-direction:column;gap:10px;margin-top:24px}
.cta-contact{
  display:flex;align-items:center;gap:14px;padding:14px 16px;
  border-radius:var(--radius);background:var(--paper);
  border:1px solid var(--rule);
  transition:all .2s var(--ease-soft);
}
.cta-contact:hover{border-color:var(--navy-line);transform:translateX(2px)}
.cta-contact{min-width:0}
.cta-contact > *{min-width:0}
.cta-contact .lbl{font-size:10.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.14em;font-weight:700;margin-bottom:2px}
.cta-contact .val{font-size:14px;font-weight:500;color:var(--navy);overflow-wrap:anywhere;word-break:break-word}
form{padding:28px;border-radius:var(--radius);background:var(--paper);border:1px solid var(--rule);box-shadow:var(--shadow-sm)}
.form-row{margin-bottom:16px}
.form-row label{display:block;font-size:11px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.14em;margin-bottom:8px}
.form-row input,.form-row textarea,.form-row select{
  width:100%;padding:11px 14px;border-radius:4px;
  background:var(--surface);border:1px solid var(--rule);
  color:var(--navy);font-family:inherit;font-size:14px;transition:all .2s var(--ease-soft);
}
.form-row input:focus,.form-row textarea:focus,.form-row select:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px var(--navy-soft)}
.form-row textarea{min-height:96px;resize:vertical;font-family:inherit}
.form-status{margin-top:14px;font-size:12.5px;color:var(--navy);text-align:center;min-height:18px;font-weight:600}
.form-status.error{color:var(--neg)}

/* ===== BUTTONS ===== */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:11px 22px;border-radius:4px;font-weight:600;font-size:13.5px;
  transition:all .25s var(--ease-out);border:1px solid transparent;letter-spacing:.02em;
  position:relative;overflow:hidden;
}
.btn-primary{background:var(--navy);color:#FFFFFF;border-color:var(--navy)}
.btn-primary:hover{
  background:var(--navy-2);border-color:var(--navy-2);
  transform:translateY(-2px);box-shadow:0 10px 20px rgba(10,37,64,.20);
}
.btn-ghost{background:transparent;color:var(--navy);border:1px solid var(--navy-line)}
.btn-ghost:hover{background:var(--navy);color:#FFFFFF;border-color:var(--navy);transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:#FFFFFF;border-color:var(--gold)}
.btn-gold:hover{background:var(--gold-dark);border-color:var(--gold-dark);transform:translateY(-1px)}

/* ===== FOOTER ===== */
footer{padding:54px 0 24px;background:var(--paper);border-top:1px solid var(--rule)}
.foot-disclaimer{
  padding:18px 22px;border-radius:var(--radius);
  background:var(--surface);border:1px solid var(--rule);
  font-size:11.5px;color:var(--muted);line-height:1.65;margin-bottom:36px;
}
.foot-disclaimer strong{color:var(--navy);display:block;margin-bottom:6px;text-transform:uppercase;letter-spacing:.12em;font-size:10.5px;font-weight:700}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px;margin-bottom:36px}
.foot-col h4{font-family:var(--sans);font-size:10.5px;text-transform:uppercase;letter-spacing:.16em;color:var(--navy);font-weight:700;margin-bottom:16px}
.foot-col a{display:block;font-size:13px;color:var(--muted);padding:5px 0;transition:color .2s, padding-left .2s var(--ease-soft)}
.foot-col a:hover{color:var(--navy);padding-left:4px}
.foot-desc{font-size:13px;color:var(--muted);line-height:1.6;margin:14px 0 0;max-width:340px}
.foot-bottom{
  padding-top:24px;border-top:1px solid var(--rule);
  display:flex;justify-content:space-between;align-items:center;
  font-size:12px;color:var(--muted);flex-wrap:wrap;gap:14px;
}

/* ============================================================
   ANIMATIONS
============================================================ */

/* scroll-reveal: stronger than before, with stagger */
.reveal{
  opacity:0;transform:translateY(28px);
  transition:opacity .8s var(--ease-out), transform .8s var(--ease-out);
}
.reveal.in{opacity:1;transform:none}
.reveal-delay-1{transition-delay:.08s}
.reveal-delay-2{transition-delay:.16s}
.reveal-delay-3{transition-delay:.24s}
.reveal-delay-4{transition-delay:.32s}
.reveal-delay-5{transition-delay:.40s}
.reveal-delay-6{transition-delay:.48s}

/* slide from sides */
.reveal-left{opacity:0;transform:translateX(-36px);transition:opacity .8s var(--ease-out), transform .8s var(--ease-out)}
.reveal-left.in{opacity:1;transform:none}
.reveal-right{opacity:0;transform:translateX(36px);transition:opacity .8s var(--ease-out), transform .8s var(--ease-out)}
.reveal-right.in{opacity:1;transform:none}

/* scale-up */
.reveal-scale{opacity:0;transform:scale(.96);transition:opacity .7s var(--ease-out), transform .7s var(--ease-out)}
.reveal-scale.in{opacity:1;transform:none}

/* hero text — words slide-in with stagger
   .h-animate is hidden until JS splits it into .h-word spans, then revealed
   via .split-ready (the words have their own opacity/transform). */
.h-animate{opacity:0;transition:opacity .2s var(--ease-soft)}
.h-animate.split-ready{opacity:1}
.h-word{
  display:inline-block;opacity:0;transform:translateY(24px);
  transition:opacity .7s var(--ease-out), transform .7s var(--ease-out);
  will-change:opacity, transform;
}
.h-word.in{opacity:1;transform:none}

/* parallax-like decorative dots — subtle, respect reduced-motion */
.parallax-dots{
  position:absolute;inset:0;z-index:0;pointer-events:none;overflow:hidden;
}
@media (prefers-reduced-motion: no-preference){
  .parallax-dots::before{
    content:"";position:absolute;top:10%;left:5%;width:5px;height:5px;
    border-radius:50%;background:var(--gold);opacity:.28;
    animation:float 16s ease-in-out infinite;
  }
  .parallax-dots::after{
    content:"";position:absolute;bottom:15%;right:8%;width:3px;height:3px;
    border-radius:50%;background:var(--navy);opacity:.22;
    animation:float 20s ease-in-out infinite reverse;
  }
}
@keyframes float{
  0%,100%{transform:translateY(0) translateX(0)}
  50%{transform:translateY(-14px) translateX(6px)}
}

/* page-header background gold halo (already in .page-header::after — also add a subtle navy radial) */
.page-header::before{
  content:"";position:absolute;top:-100px;left:-100px;width:400px;height:400px;
  background:radial-gradient(circle, rgba(10,37,64,.05), transparent 65%);
  pointer-events:none;z-index:0;
}

/* legacy fade-in compatibility */
.fade-in{opacity:1;transform:none;transition:opacity .7s var(--ease-out), transform .7s var(--ease-out)}
.fade-in.pre{opacity:0;transform:translateY(18px)}
.fade-in.visible{opacity:1;transform:none}

/* ============================================================
   RESPONSIVE
============================================================ */
@media (max-width:1024px){
  .two-col,.contact-wrap,.hero-chart-wrap{grid-template-columns:1fr;gap:36px}
  .two-col-side{position:static;border-right:0;padding-right:0;padding-bottom:24px;border-bottom:1px solid var(--rule)}
  .figures-grid{grid-template-columns:repeat(2,1fr);gap:32px}
  .figure{border-left:0;padding-left:0}
  .pkg-grid{grid-template-columns:repeat(2,1fr)}
  .pkg{border-right:1px solid var(--rule);border-bottom:1px solid var(--rule)}
  .pkg:nth-child(2n){border-right:0}
  .pkg:nth-last-child(-n+2){border-bottom:0}
  .insights-grid{grid-template-columns:repeat(2,1fr)}
  .team-grid{grid-template-columns:repeat(2,1fr);gap:28px}
  .disc-grid{grid-template-columns:repeat(2,1fr)}
  .disc-row:nth-child(3n){border-right:1px solid var(--rule)}
  .disc-row:nth-child(2n){border-right:0}
  .disc-row:nth-last-child(-n+3){border-bottom:1px solid var(--rule)}
  .disc-row:nth-last-child(-n+2){border-bottom:0}
  .calc-wrap{grid-template-columns:1fr}
  .calc-result{border-left:0;border-top:1px solid var(--rule)}
  .foot-grid{grid-template-columns:1fr 1fr;gap:28px}
  .index-grid{grid-template-columns:repeat(2,1fr)}
  .hero-chart-canvas{min-height:220px}
}
@media (max-width:720px){
  .container{padding-left:max(28px, env(safe-area-inset-left, 28px));padding-right:max(28px, env(safe-area-inset-right, 28px))}
  section{padding:44px 0}
  .page-header{padding:36px 0 28px}
  .page-header.with-photo{padding:42px 0 32px}
  .nav-inner{height:60px}
  .nav-links{display:none}
  .nav.open .nav-links{
    display:flex;flex-direction:column;
    position:absolute;top:60px;left:0;right:0;
    background:var(--bg);border-bottom:1px solid var(--rule);
    padding:18px;gap:6px;
    box-shadow:0 12px 24px rgba(10,37,64,.08);
    max-height:calc(100vh - 60px);overflow-y:auto;
  }
  /* mobile menu link rows — 48px tap targets, edge-to-edge dividers */
  .nav.open .nav-links a{
    padding:14px 6px;font-size:15px;
    border-bottom:1px solid var(--rule-soft);
    min-height:48px;display:flex;align-items:center;
  }
  .nav.open .nav-links a:last-child{border-bottom:0}
  .nav.open .nav-links a:not(.nav-terminal)::after{display:none}
  .nav.open .nav-links .nav-terminal{
    margin-top:10px;padding:14px 18px;justify-content:center;
    width:100%;font-size:14px;min-height:48px;
  }
  .burger{display:flex;min-width:44px;min-height:44px;align-items:center;justify-content:center;padding:0}
  .nav-divider{display:none}
  .masthead-top-inner{height:36px;font-size:11px}
  .masthead-top-left .hide-sm,.masthead-top-right .hide-sm{display:none}
  .ticker-inner{padding-top:9px;padding-bottom:9px;padding-left:max(28px, env(safe-area-inset-left, 28px));padding-right:max(28px, env(safe-area-inset-right, 28px));gap:22px;font-size:11px}
  .figures-grid{grid-template-columns:1fr;gap:22px}
  .insights-grid,.team-grid,.pkg-grid,.index-grid{grid-template-columns:1fr}
  .pkg{border-right:0 !important}
  .disc-grid{grid-template-columns:1fr}
  .disc-row{border-right:0 !important}
  .page-header h1{font-size:30px}
  .page-header .deck{font-size:15.5px}
  .prose p{font-size:16px}
  .prose p:first-of-type::first-letter{font-size:46px;padding:4px 10px 0 0}
  .index-card{padding:22px 20px}
  .index-card h3{font-size:18px}
  .article-card{padding:22px 20px}
  .article-card h3{font-size:18px}
  .team-grid{gap:24px}
  /* CALCULATOR: bigger inputs + buttons for touch */
  .calc-controls,.calc-result{padding:22px 20px}
  .calc-controls input[type="number"],.calc-controls select{padding:14px 14px;font-size:16px;min-height:48px}
  .calc-controls .calc-amount-wrap input[type="number"]{padding-left:32px;font-size:18px}
  .calc-controls .calc-amount-wrap::before{font-size:18px;left:14px}
  .calc-toggle button{padding:12px 10px;font-size:13px;min-height:44px}
  .calc-slider{height:6px}
  .calc-slider::-webkit-slider-thumb{width:24px;height:24px}
  .calc-slider::-moz-range-thumb{width:24px;height:24px}
  .calc-total-block .v{font-size:30px}
  /* FORM: 16px font prevents iOS zoom on focus */
  form{padding:20px 18px}
  .form-row input,.form-row textarea,.form-row select{padding:13px 14px;font-size:16px;min-height:48px}
  .form-row textarea{min-height:96px}
  /* BUTTONS: 48px tap target on mobile */
  .btn{padding:14px 22px;font-size:14px;min-height:48px}
  .compare-head{padding:14px 16px;flex-wrap:wrap;gap:8px}
  .compare-head h3{font-size:12px}
  .compare-table thead th,.compare-table tbody td{padding:10px 12px;font-size:12.5px}
  .foot-grid{grid-template-columns:1fr;gap:24px;margin-bottom:28px}
  .foot-bottom{flex-direction:column;text-align:center;font-size:11.5px;gap:8px}
  .foot-disclaimer{padding:16px;font-size:11px;margin-bottom:28px}
  /* DATA TABLE — stacked card layout on phones */
  .data-table thead{display:none}
  .data-table tbody td{display:block;padding:6px 22px;border-bottom:0}
  .data-table tbody tr{display:block;padding:18px 0;border-bottom:1px solid var(--rule-soft)}
  .data-table tbody tr:last-child{border-bottom:0}
  .data-table td.r{text-align:left}
  .data-table .alloc-bar{width:80px;margin-right:10px}
  /* Show column label as a kicker before each stacked value */
  .data-table tbody td[data-label]{padding:14px 22px 4px}
  .data-table tbody td[data-label]::before{
    content:attr(data-label);
    display:block;
    font-size:10px;color:var(--muted);font-weight:700;
    text-transform:uppercase;letter-spacing:.14em;
    margin-bottom:6px;
  }
  /* HERO chart: comfortable height */
  .hero-chart-wrap{padding:20px 18px;margin-top:24px}
  .hero-chart-canvas{min-height:200px}
  /* TWO-COL: thesis layout — drop the sticky side reads as a heading */
  .two-col-side h2{font-size:24px}
  /* Section heads — slightly tighter */
  .section-head{margin-bottom:28px}
  .section-head h2{font-size:24px}
}
@media (max-width:380px){
  .container{padding-left:max(22px, env(safe-area-inset-left, 22px));padding-right:max(22px, env(safe-area-inset-right, 22px))}
  .page-header h1{font-size:26px;letter-spacing:-.02em}
  .ticker-inner{padding-top:9px;padding-bottom:9px;padding-left:max(22px, env(safe-area-inset-left, 22px));padding-right:max(22px, env(safe-area-inset-right, 22px));gap:18px}
  .data-table .alloc-bar{width:60px}
  .compare-table{min-width:480px;font-size:11.5px}
  .compare-table thead th,.compare-table tbody td{padding:8px 8px}
  /* Modal headroom on small phones */
  .article-modal-scroll{padding:54px 18px 22px}
}

/* ===== RTL / ARABIC ADJUSTMENTS ===== */
[dir="rtl"] .page-header h1 .accent{font-style:normal}
[dir="rtl"] .kicker::before{margin-inline-end:8px}
[dir="rtl"] .index-card:hover .read{gap:12px}
[dir="rtl"] .figure{border-left:0;border-right:1px solid var(--rule);padding-left:0;padding-right:20px}
[dir="rtl"] .figure:first-child{border-right:0;padding-right:0}
[dir="rtl"] .two-col-side{border-right:0;border-left:1px solid var(--rule);padding-right:0;padding-left:24px}
[dir="rtl"] .article-card::after{left:auto;right:0}
[dir="rtl"] .data-table td.r,[dir="rtl"] .data-table th.r{text-align:left}
[dir="rtl"] .pkg{border-right:0;border-left:1px solid var(--rule)}
[dir="rtl"] .pkg:last-child{border-left:0}
[dir="rtl"] .pkg-badge{right:auto;left:14px}
[dir="rtl"] .disc-row{border-right:0;border-left:1px solid var(--rule)}
[dir="rtl"] .disc-row:nth-child(3n){border-left:0}
[dir="rtl"] .calc-result{border-left:0;border-right:1px solid var(--rule)}
[dir="rtl"] .calc-amount-wrap::before{left:auto;right:14px}
[dir="rtl"] .calc-controls .calc-amount-wrap input[type="number"]{padding-left:14px;padding-right:30px}
[dir="rtl"] .article-modal-close{right:auto;left:12px}
[dir="rtl"] .back-to-top{right:auto;left:24px}
[dir="rtl"] .parallax-dots::before{left:auto;right:5%}
[dir="rtl"] .parallax-dots::after{right:auto;left:8%}
[dir="rtl"] .index-card::before,[dir="rtl"] .pkg.featured::before{transform-origin:right}
@media (max-width:720px){
  [dir="rtl"] .back-to-top{right:auto;left:18px}
  [dir="rtl"] .figure{border-right:0;padding-right:0}
  [dir="rtl"] .pkg,[dir="rtl"] .disc-row{border-left:0 !important}
}

/* Respect user motion preference */
@media (prefers-reduced-motion: reduce){
  *,*::before,*::after{animation-duration:.01ms !important;animation-iteration-count:1 !important;transition-duration:.01ms !important;scroll-behavior:auto !important}
  .reveal,.reveal-left,.reveal-right,.reveal-scale,.h-word{opacity:1;transform:none}
  .h-animate{opacity:1}
}

/* ===== COOKIE CONSENT BAR ===== */
.cookie-bar{
  position:fixed;left:18px;right:18px;bottom:18px;z-index:120;
  background:var(--navy);color:#FFFFFF;
  border:1px solid var(--navy-2);
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow-xl);
  padding:18px 22px;
  transform:translateY(140%);opacity:0;
  transition:transform .35s var(--ease-out), opacity .25s var(--ease-soft);
}
.cookie-bar.show{transform:translateY(0);opacity:1}
.cookie-bar-inner{
  display:flex;align-items:center;justify-content:space-between;
  gap:18px;flex-wrap:wrap;max-width:var(--maxw);margin:0 auto;
}
.cookie-bar-text{
  flex:1 1 320px;min-width:0;
  font-size:13px;line-height:1.55;color:rgba(255,255,255,.88);
}
.cookie-bar-text a{
  color:var(--gold-light);border-bottom:1px solid rgba(212,175,55,.4);
  font-weight:600;transition:border-color .2s;
}
.cookie-bar-text a:hover{border-color:var(--gold-light)}
.cookie-bar-actions{flex-shrink:0}
.cookie-bar-accept{
  background:var(--gold);color:#FFFFFF;
  padding:10px 22px;border-radius:4px;
  font-weight:600;font-size:13px;letter-spacing:.02em;
  border:1px solid var(--gold);cursor:pointer;
  transition:all .2s var(--ease-soft);
}
.cookie-bar-accept:hover{background:var(--gold-dark);border-color:var(--gold-dark);transform:translateY(-1px)}
@media (max-width:720px){
  .cookie-bar{left:12px;right:12px;bottom:12px;padding:14px 16px}
  .cookie-bar-text{font-size:12.5px}
  .cookie-bar-accept{padding:10px 18px;font-size:12.5px;width:100%}
  .cookie-bar-actions{width:100%}
}

/* ===== BACK-TO-TOP BUTTON ===== */
.back-to-top{
  position:fixed;bottom:24px;right:24px;z-index:90;
  width:42px;height:42px;border-radius:50%;
  background:var(--navy);color:#FFFFFF;
  display:grid;place-items:center;
  border:1px solid var(--navy-2);
  box-shadow:var(--shadow-md);
  cursor:pointer;
  opacity:0;visibility:hidden;transform:translateY(8px);
  transition:opacity .25s var(--ease-soft), transform .25s var(--ease-out), visibility .25s, background .2s;
}
.back-to-top.show{opacity:1;visibility:visible;transform:none}
.back-to-top:hover{background:var(--navy-2);transform:translateY(-2px)}
.back-to-top svg{width:18px;height:18px;display:block}
@media (max-width:720px){
  .back-to-top{bottom:18px;right:18px;width:40px;height:40px}
}