:root {
    --ink: #09131f;
    --navy: #0b1f35;
    --blue: #123f66;
    --teal: #0f766e;
    --gold: #d8a31a;
    --gold-soft: #f6e7b9;
    --paper: #f7f9fb;
    --white: #ffffff;
    --muted: #607086;
    --line: #d9e1ea;
    --shadow: 0 18px 55px rgba(9, 19, 31, 0.12);
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    color: var(--ink);
    background:
        linear-gradient(90deg, rgba(18, 63, 102, 0.035) 1px, transparent 1px) 0 0/44px 44px,
        linear-gradient(180deg, #ffffff 0%, #f7f9fb 100%);
    font-family: Arial, Helvetica, sans-serif;
    line-height: 1.6;
    overflow-x: hidden;
}

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

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

button,
input,
select,
textarea {
    font: inherit;
}

.container {
    width: min(1180px, calc(100% - 32px));
    margin: 0 auto;
}

.skip-link {
    position: absolute;
    left: 16px;
    top: -80px;
    z-index: 1000;
    background: var(--gold);
    color: var(--ink);
    padding: 10px 14px;
    border-radius: 6px;
    font-weight: 700;
}

.skip-link:focus {
    top: 16px;
}

.site-header {
    position: fixed;
    inset: 0 0 auto;
    z-index: 100;
    transition: box-shadow 0.25s ease, background 0.25s ease;
}

.site-header.is-scrolled {
    box-shadow: 0 12px 34px rgba(9, 19, 31, 0.14);
}

.topbar {
    background: #07111d;
    color: rgba(255, 255, 255, 0.82);
    font-size: 13px;
}

.topbar__inner {
    min-height: 38px;
    display: flex;
    align-items: center;
    gap: 22px;
}

.topbar a,
.topbar span {
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.topbar i {
    color: var(--gold);
}

.topbar__social {
    margin-left: auto;
    display: flex;
    align-items: center;
    gap: 13px;
}

.nav-shell {
    background: rgba(255, 255, 255, 0.97);
    border-bottom: 1px solid rgba(217, 225, 234, 0.8);
    backdrop-filter: blur(14px);
}

.nav {
    min-height: 78px;
    display: flex;
    align-items: center;
    gap: 18px;
}

.brand {
    display: flex;
    align-items: center;
    gap: 12px;
    min-width: 250px;
}

.brand img {
    width: 68px;
    height: 56px;
    object-fit: contain;
}

.brand strong {
    display: block;
    color: var(--navy);
    font-size: 18px;
    line-height: 1.1;
}

.brand small {
    display: block;
    color: var(--muted);
    font-size: 12px;
    margin-top: 2px;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 2px;
    margin-left: auto;
}

.nav-link {
    position: relative;
    padding: 9px 10px;
    border-radius: 6px;
    color: #243243;
    font-size: 14px;
    font-weight: 700;
}

.nav-link:hover,
.nav-link.is-active {
    color: var(--blue);
    background: #edf4f8;
}

.nav-link.is-active::after {
    content: "";
    position: absolute;
    left: 10px;
    right: 10px;
    bottom: 3px;
    height: 2px;
    background: var(--gold);
}

.nav-cta,
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 9px;
    min-height: 44px;
    padding: 12px 18px;
    border-radius: 8px;
    border: 1px solid transparent;
    font-weight: 800;
    cursor: pointer;
    transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease, color 0.2s ease;
}

.nav-cta,
.btn-primary {
    color: #09131f;
    background: linear-gradient(135deg, #f4cf62, #d8a31a);
    box-shadow: 0 12px 26px rgba(216, 163, 26, 0.24);
}

.btn-secondary {
    color: var(--white);
    background: rgba(255, 255, 255, 0.12);
    border-color: rgba(255, 255, 255, 0.28);
}

.btn-light {
    color: var(--blue);
    background: var(--white);
    border-color: var(--line);
}

.btn:hover,
.nav-cta:hover {
    transform: translateY(-2px);
}

.nav-toggle {
    display: none;
    width: 44px;
    height: 44px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: var(--white);
    color: var(--navy);
}

.section {
    position: relative;
    padding: 88px 0;
}

.section-sm {
    padding: 64px 0;
}

.section-dark {
    color: var(--white);
    background: radial-gradient(circle at 75% 20%, rgba(216, 163, 26, 0.16), transparent 28%), linear-gradient(135deg, #07111d 0%, #0b1f35 54%, #123f66 100%);
}

.section-soft {
    background: linear-gradient(180deg, #f7f9fb 0%, #ffffff 100%);
}

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    color: var(--teal);
    font-size: 12px;
    font-weight: 900;
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

.eyebrow::before {
    content: "";
    width: 28px;
    height: 2px;
    background: var(--gold);
}

.section-head {
    max-width: 760px;
    margin-bottom: 34px;
}

.section-head.center {
    text-align: center;
    margin-left: auto;
    margin-right: auto;
}

.section-head.center .eyebrow {
    justify-content: center;
}

.section-head h1,
.section-head h2 {
    margin: 10px 0 12px;
    line-height: 1.12;
}

h1,
.h1 {
    font-size: 58px;
    letter-spacing: 0;
}

h2,
.h2 {
    font-size: 40px;
    letter-spacing: 0;
}

h3 {
    font-size: 22px;
    letter-spacing: 0;
}

p {
    margin: 0;
}

.muted {
    color: var(--muted);
}

.text-white-muted {
    color: rgba(255, 255, 255, 0.76);
}

.hero {
    position: relative;
    min-height: 760px;
    display: grid;
    align-items: center;
    padding: 152px 0 62px;
    color: var(--white);
    background: linear-gradient(90deg, rgba(7, 17, 29, 0.94), rgba(7, 17, 29, 0.72), rgba(7, 17, 29, 0.42)), url("../img/3857 (1).jpg") center/cover no-repeat;
    overflow: hidden;
}

.hero::after,
.page-hero::after,
.service-hero::after {
    content: "";
    position: absolute;
    inset: auto 0 0;
    height: 38%;
    background: linear-gradient(180deg, transparent, rgba(7, 17, 29, 0.78));
    pointer-events: none;
}

.hero::before,
.page-hero::before,
.service-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        linear-gradient(135deg, rgba(216, 163, 26, 0.12) 0 1px, transparent 1px 18px),
        linear-gradient(45deg, rgba(255, 255, 255, 0.08) 0 1px, transparent 1px 22px);
    mask-image: linear-gradient(90deg, rgba(0, 0, 0, 0.9), transparent 78%);
    pointer-events: none;
}

.hero > .container,
.page-hero > .container,
.service-hero > .container {
    position: relative;
    z-index: 2;
}

.hero__grid {
    display: grid;
    grid-template-columns: minmax(0, 1.02fr) minmax(360px, 0.78fr);
    gap: 42px;
    align-items: center;
}

.hero h1 {
    max-width: 760px;
    margin: 12px 0 18px;
    line-height: 1.04;
}

.hero__copy {
    max-width: 650px;
    color: rgba(255, 255, 255, 0.78);
    font-size: 18px;
}

.hero__actions,
.action-row {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 28px;
}

.metric-strip {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    max-width: 680px;
    margin-top: 34px;
}

.metric {
    min-height: 102px;
    padding: 17px;
    border: 1px solid rgba(255, 255, 255, 0.16);
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.09);
    backdrop-filter: blur(10px);
}

.metric strong {
    display: block;
    font-size: 30px;
    color: var(--gold-soft);
    line-height: 1.1;
}

.metric span {
    color: rgba(255, 255, 255, 0.75);
    font-size: 13px;
}

.finance-panel {
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.94);
    color: var(--ink);
    box-shadow: var(--shadow);
    border: 1px solid rgba(255, 255, 255, 0.58);
    overflow: hidden;
}

.panel-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px;
    border-bottom: 1px solid var(--line);
}

.panel-head strong {
    color: var(--navy);
}

.status-pill {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 7px 10px;
    border-radius: 6px;
    background: #e7f8f2;
    color: #0b7b53;
    font-size: 12px;
    font-weight: 800;
}

.market-visual {
    padding: 18px;
}

.chart-bars {
    display: grid;
    grid-template-columns: repeat(8, 1fr);
    align-items: end;
    gap: 10px;
    height: 190px;
    padding: 18px;
    background: linear-gradient(#eef4f7 1px, transparent 1px) 0 0/100% 38px, #fbfdff;
    border: 1px solid var(--line);
    border-radius: 8px;
}

.chart-bars span {
    display: block;
    border-radius: 5px 5px 0 0;
    background: linear-gradient(180deg, #17a38b, #123f66);
    min-height: 32px;
}

.ticker {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
    margin-top: 14px;
}

.ticker div {
    padding: 13px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: #f7f9fb;
}

.ticker small {
    display: block;
    color: var(--muted);
}

.ticker strong {
    color: var(--navy);
}

.page-hero {
    position: relative;
    min-height: 430px;
    display: grid;
    align-items: end;
    padding: 152px 0 70px;
    color: var(--white);
    background: linear-gradient(90deg, rgba(7, 17, 29, 0.9), rgba(11, 31, 53, 0.72)), var(--hero-image) center/cover no-repeat;
    overflow: hidden;
}

.service-hero {
    position: relative;
    min-height: 620px;
    display: grid;
    align-items: end;
    padding: 158px 0 76px;
    color: var(--white);
    background:
        linear-gradient(90deg, rgba(7, 17, 29, 0.94), rgba(11, 31, 53, 0.78), rgba(15, 118, 110, 0.34)),
        var(--hero-image) center/cover no-repeat;
    overflow: hidden;
}

.service-hero__grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 360px;
    gap: 42px;
    align-items: end;
}

.service-hero h1 {
    max-width: 850px;
    margin: 10px 0 14px;
    line-height: 1.05;
}

.service-hero p {
    max-width: 700px;
    color: rgba(255, 255, 255, 0.82);
    font-size: 18px;
}

.service-hero__panel {
    padding: 26px;
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.12);
    backdrop-filter: blur(16px);
    box-shadow: 0 24px 70px rgba(0, 0, 0, 0.22);
}

.service-hero__panel span {
    width: 66px;
    height: 66px;
    display: grid;
    place-items: center;
    border-radius: 8px;
    color: var(--ink);
    background: var(--gold);
    font-size: 28px;
    margin-bottom: 18px;
}

.service-hero__panel strong {
    display: block;
    color: var(--white);
    font-size: 22px;
    margin-bottom: 8px;
}

.service-hero__panel p {
    font-size: 15px;
}

.breadcrumb {
    display: flex;
    flex-wrap: wrap;
    gap: 9px;
    align-items: center;
    margin-top: 18px;
    color: rgba(255, 255, 255, 0.75);
}

.breadcrumb a {
    color: var(--gold-soft);
    font-weight: 800;
}

.grid-2,
.grid-3,
.grid-4 {
    display: grid;
    gap: 22px;
}

.grid-2 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.grid-3 {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid-4 {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

/* Ensure grid-4 children (cards) stretch to equal heights */
.grid-4 > .card {
    height: 100%;
}

.card {
    position: relative;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: var(--white);
    box-shadow: 0 10px 28px rgba(9, 19, 31, 0.06);
    overflow: hidden;
}

.card::before {
    content: "";
    position: absolute;
    inset: 0 0 auto;
    height: 3px;
    background: linear-gradient(90deg, var(--teal), var(--gold), var(--blue));
    opacity: 0;
    transition: opacity 0.2s ease;
}

.card:hover::before {
    opacity: 1;
}

.feature-card {
    padding: 26px;
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.feature-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow);
}

.icon-box {
    width: 52px;
    height: 52px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 8px;
    color: var(--blue);
    background: linear-gradient(135deg, #fff8df, #e7f8f2);
    border: 1px solid #f1deb1;
    font-size: 22px;
}

.feature-card h3 {
    margin: 18px 0 10px;
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

/* Make feature cards use column flex so content can be vertically aligned */
.feature-card {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

/* Push the description to the bottom so all card descriptions align */
.feature-card p {
    margin-top: auto;
}

.service-card {
    overflow: hidden;
    display: block;
    color: inherit;
}

.service-card__image {
    height: 210px;
    position: relative;
    overflow: hidden;
}

.service-card__image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.35s ease;
}

.service-card:hover .service-card__image img {
    transform: scale(1.05);
}

.service-card__badge {
    position: absolute;
    left: 16px;
    bottom: 16px;
    width: 50px;
    height: 50px;
    border-radius: 8px;
    display: grid;
    place-items: center;
    color: var(--ink);
    background: var(--gold);
    font-size: 22px;
}

.service-card__body {
    padding: 22px;
}

.service-card__body h3 {
    margin: 0 0 8px;
}

.premium-service-card .service-card__body {
    min-height: 226px;
    display: grid;
    align-content: start;
}

.text-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: 18px;
    color: var(--teal);
    font-weight: 900;
    font-size: 14px;
}

.service-link-card {
    display: block;
    color: inherit;
}

.split {
    display: grid;
    grid-template-columns: minmax(0, 0.92fr) minmax(360px, 1fr);
    gap: 44px;
    align-items: center;
}

.media-frame {
    position: relative;
    border-radius: 8px;
    overflow: hidden;
    min-height: 420px;
    box-shadow: var(--shadow);
    background: var(--paper);
}

.media-frame img {
    width: 100%;
    height: 100%;
    min-height: 420px;
    object-fit: cover;
}

.floating-proof {
    position: absolute;
    left: 18px;
    right: 18px;
    bottom: 18px;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
}

.floating-proof div {
    padding: 13px;
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.92);
    border: 1px solid rgba(217, 225, 234, 0.9);
}

.floating-proof strong {
    display: block;
    color: var(--blue);
}

.list-check {
    display: grid;
    gap: 12px;
    padding: 0;
    margin: 22px 0 0;
    list-style: none;
}

.list-check li {
    display: flex;
    gap: 11px;
    align-items: flex-start;
}

.list-check i {
    color: var(--teal);
    margin-top: 5px;
}

.quote-block {
    padding: 28px;
    border-radius: 8px;
    border-left: 5px solid var(--gold);
    background: #fff8df;
    color: var(--navy);
    font-size: 22px;
    font-weight: 800;
}

.advisory-note {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    margin-top: 24px;
    padding: 18px;
    border-radius: 8px;
    color: #4e3a00;
    background: #fff8df;
    border: 1px solid #ecdba8;
}

.advisory-note i {
    color: var(--gold);
    margin-top: 5px;
}

.visual-ledger {
    padding: 18px;
    border-radius: 8px;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.95), rgba(247, 249, 251, 0.95)),
        linear-gradient(90deg, rgba(18, 63, 102, 0.06) 1px, transparent 1px) 0 0/28px 28px;
    border: 1px solid var(--line);
    box-shadow: var(--shadow);
}

.ledger-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 18px;
    min-height: 58px;
    padding: 12px 14px;
    border-bottom: 1px solid var(--line);
}

.ledger-row:last-child {
    border-bottom: 0;
}

.ledger-row span {
    display: inline-flex;
    align-items: center;
    gap: 10px;
}

.ledger-row i {
    color: var(--teal);
}

.ledger-row strong {
    min-width: 42px;
    height: 34px;
    display: grid;
    place-items: center;
    border-radius: 8px;
    color: var(--navy);
    background: var(--gold-soft);
}

.ledger-head {
    color: var(--white);
    background: linear-gradient(135deg, var(--navy), var(--blue));
    border-radius: 8px;
    border-bottom: 0;
    margin-bottom: 8px;
}

.ledger-head strong {
    color: var(--ink);
    background: var(--gold);
}

.process-lane {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 18px;
}

.process-step {
    min-height: 220px;
    padding: 24px;
    background:
        linear-gradient(180deg, #ffffff 0%, #f7f9fb 100%);
}

.process-step span {
    display: inline-grid;
    place-items: center;
    width: 48px;
    height: 48px;
    border-radius: 8px;
    color: var(--white);
    background: linear-gradient(135deg, var(--teal), var(--blue));
    font-weight: 900;
    margin-bottom: 20px;
}

.process-step p {
    color: var(--navy);
    font-weight: 700;
}

.service-contact-card {
    display: grid;
    gap: 14px;
    align-content: start;
}

.service-switcher {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 12px;
}

.service-switcher a {
    min-height: 86px;
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 14px;
    border-radius: 8px;
    color: rgba(255, 255, 255, 0.82);
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.13);
}

.service-switcher a:hover,
.service-switcher a.is-current {
    color: var(--white);
    background: rgba(216, 163, 26, 0.22);
    border-color: rgba(216, 163, 26, 0.55);
}

.service-switcher i {
    color: var(--gold-soft);
    font-size: 20px;
}

.team-profile {
    display: grid;
    grid-template-columns: 320px minmax(0, 1fr);
    gap: 32px;
    align-items: start;
}

.profile-card {
    position: sticky;
    top: 132px;
    overflow: hidden;
}

.profile-card img {
    width: 100%;
    aspect-ratio: 4/5;
    object-fit: cover;
    background: var(--paper);
}

.profile-card__body {
    padding: 22px;
}

.profile-card h2 {
    margin: 0 0 4px;
    font-size: 26px;
}

.profile-card p {
    color: var(--muted);
}

.content-panel {
    padding: 30px;
}

.content-panel + .content-panel {
    margin-top: 18px;
}

.content-panel h2,
.content-panel h3 {
    margin: 0 0 12px;
}

.content-panel p + p {
    margin-top: 16px;
}

.timeline {
    display: grid;
    gap: 16px;
}

.timeline-item {
    display: grid;
    grid-template-columns: 50px 1fr;
    gap: 16px;
}

.timeline-item span {
    width: 50px;
    height: 50px;
    display: grid;
    place-items: center;
    border-radius: 8px;
    background: #e7f8f2;
    color: var(--teal);
    font-weight: 900;
}

.partner-logo {
    min-height: 118px;
    display: grid;
    place-items: center;
    padding: 20px;
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.partner-logo:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow);
}

.partner-logo img {
    max-height: 58px;
    object-fit: contain;
}

.resource-card {
    padding: 26px;
}

.faq-list {
    display: grid;
    gap: 14px;
}

.faq-item {
    border: 1px solid var(--line);
    border-radius: 8px;
    background: var(--white);
    overflow: hidden;
}

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    padding: 18px 20px;
    border: 0;
    background: transparent;
    color: var(--navy);
    text-align: left;
    font-weight: 900;
    cursor: pointer;
}

.faq-answer {
    display: none;
    padding: 0 20px 20px;
    color: var(--muted);
}

.faq-item.is-open .faq-answer {
    display: block;
}

.faq-item.is-open .faq-question i {
    transform: rotate(180deg);
}

.contact-layout {
    display: grid;
    grid-template-columns: minmax(0, 0.78fr) minmax(420px, 1fr);
    gap: 28px;
    align-items: start;
}

.contact-card {
    padding: 26px;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
}

.form-field {
    display: grid;
    gap: 7px;
}

.form-field.full {
    grid-column: 1 / -1;
}

.form-field label {
    font-size: 13px;
    color: var(--navy);
    font-weight: 800;
}

.form-field input,
.form-field select,
.form-field textarea {
    width: 100%;
    border: 1px solid var(--line);
    border-radius: 8px;
    padding: 13px 14px;
    color: var(--ink);
    background: var(--white);
    outline: none;
}

.form-field textarea {
    min-height: 132px;
    resize: vertical;
}

.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
    border-color: var(--teal);
    box-shadow: 0 0 0 4px rgba(15, 118, 110, 0.11);
}

.cta-band {
    padding: 38px;
    border-radius: 8px;
    color: var(--white);
    background: linear-gradient(135deg, #0b1f35, #123f66);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.cta-band h2 {
    margin: 0 0 8px;
}

.footer {
    color: rgba(255, 255, 255, 0.78);
    background: #07111d;
}

.footer__grid {
    display: grid;
    grid-template-columns: 1.2fr 0.7fr 0.8fr 1fr;
    gap: 34px;
    padding: 62px 0;
}

.footer h2 {
    margin: 0 0 18px;
    color: var(--white);
    font-size: 18px;
}

.footer__brand img {
    width: 110px;
    height: auto;
    margin-bottom: 14px;
    background: var(--white);
    border-radius: 8px;
    padding: 6px;
}

.footer-list,
.contact-list {
    display: grid;
    gap: 11px;
    padding: 0;
    margin: 0;
    list-style: none;
}

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

.contact-list li {
    display: flex;
    gap: 11px;
    align-items: flex-start;
}

.contact-list i {
    color: var(--gold);
    margin-top: 5px;
}

.social-row {
    display: flex;
    gap: 10px;
    margin-top: 18px;
}

.social-row a {
    width: 40px;
    height: 40px;
    display: grid;
    place-items: center;
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.08);
}

.footer__bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer__bottom-inner {
    min-height: 58px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    font-size: 14px;
}

.footer__bottom-inner div {
    display: flex;
    gap: 18px;
}

.back-to-top {
    position: fixed;
    right: 18px;
    bottom: 18px;
    z-index: 90;
    width: 44px;
    height: 44px;
    border: 0;
    border-radius: 8px;
    display: none;
    place-items: center;
    color: var(--ink);
    background: var(--gold);
    box-shadow: var(--shadow);
    cursor: pointer;
}

.back-to-top.is-visible {
    display: grid;
}

@media (max-width: 1100px) {
    .topbar__inner span {
        display: none;
    }

    .nav-toggle {
        display: inline-grid;
        place-items: center;
        margin-left: auto;
    }

    .nav-menu {
        position: absolute;
        left: 16px;
        right: 16px;
        top: 118px;
        display: none;
        padding: 12px;
        border: 1px solid var(--line);
        border-radius: 8px;
        background: var(--white);
        box-shadow: var(--shadow);
    }

    .nav-menu.is-open {
        display: grid;
    }

    .nav-link {
        padding: 12px 14px;
    }

    .nav-cta {
        display: none;
    }

    .hero__grid,
    .split,
    .contact-layout,
    .service-hero__grid {
        grid-template-columns: 1fr;
    }

    .finance-panel {
        max-width: 620px;
    }

    .grid-4 {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .footer__grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .process-lane,
    .service-switcher {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 760px) {
    .container {
        width: min(100% - 24px, 1180px);
    }

    .topbar {
        display: none;
    }

    .nav {
        min-height: 72px;
    }

    .brand {
        min-width: 0;
    }

    .brand img {
        width: 56px;
        height: 48px;
    }

    .brand strong {
        font-size: 16px;
    }

    .brand small {
        display: none;
    }

    .nav-menu {
        top: 82px;
        left: 12px;
        right: 12px;
    }

    h1,
    .h1 {
        font-size: 38px;
    }

    h2,
    .h2 {
        font-size: 30px;
    }

    h3 {
        font-size: 20px;
    }

    .hero {
        min-height: auto;
        padding: 118px 0 42px;
    }

    .hero__copy {
        font-size: 16px;
    }

    .metric-strip,
    .grid-2,
    .grid-3,
    .grid-4,
    .ticker,
    .floating-proof,
    .form-grid,
    .team-profile {
        grid-template-columns: 1fr;
    }

    .page-hero {
        min-height: 340px;
        padding: 122px 0 46px;
    }

    .service-hero {
        min-height: auto;
        padding: 124px 0 52px;
    }

    .service-hero p {
        font-size: 16px;
    }

    .section {
        padding: 58px 0;
    }

    .section-sm {
        padding: 44px 0;
    }

    .media-frame,
    .media-frame img {
        min-height: 310px;
    }

    .profile-card {
        position: static;
    }

    .cta-band {
        padding: 24px;
        display: grid;
    }

    .footer__grid {
        grid-template-columns: 1fr;
        padding: 44px 0;
    }

    .footer__bottom-inner {
        flex-direction: column;
        justify-content: center;
        text-align: center;
        padding: 16px 0;
    }

    .process-lane,
    .service-switcher {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 420px) {
    h1,
    .h1 {
        font-size: 32px;
    }

    h2,
    .h2 {
        font-size: 26px;
    }

    .btn {
        width: 100%;
    }

    .hero__actions,
    .action-row {
        display: grid;
    }
}