/* ==========================================================================
   VR19 Capital — shared stylesheet (v3, white / navy / blue brand palette)
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,400;0,9..144,500;0,9..144,600;0,9..144,700;1,9..144,500&family=Inter:wght@400;500;600;700;800&family=Montserrat:wght@700;800&display=swap');

:root {
  /* neutral base */
  --paper: #FFFFFF;
  --surface-alt: #F1F5FA;
  --ink: #12182B;
  --ink-soft: #545D74;
  --ink-faint: #8992A6;
  --border: #E1E7F0;
  --border-strong: #CCD6E6;

  /* brand palette — pulled directly from the VR19 mark: white, navy, blue */
  --navy-900: #0B1226;
  --navy-800: #10182F;
  --navy-700: #182347;
  --navy-600: #1F2F5C;
  --blue-600: #2C567F;
  --blue-500: #3B6EA5;
  --blue-400: #5A8FBF;
  --blue-300: #8FB4D6;
  --blue-100: #E8F0F7;

  --success: #2F9163;
  --danger: #C1503F;

  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(11, 18, 38, 0.05), 0 1px 3px rgba(11, 18, 38, 0.07);
  --shadow-md: 0 10px 30px rgba(11, 18, 38, 0.09);
  --shadow-lg: 0 24px 60px rgba(11, 18, 38, 0.22);
  --container: 1180px;

  --ease: cubic-bezier(.22,.61,.36,1);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; overflow-x: hidden; width: 100%; }

body {
  margin: 0;
  font-family: "Inter", "Segoe UI", -apple-system, BlinkMacSystemFont, Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  line-height: 1.6;
  overflow-x: hidden;
}

h1, h2, h3, h4 {
  margin: 0 0 .5em;
  font-family: "Fraunces", Georgia, "Iowan Old Style", serif;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--navy-800);
  overflow-wrap: break-word;
  word-break: break-word;
  hyphens: auto;
}
h1 { font-size: clamp(2.3rem, 4.4vw, 3.7rem); line-height: 1.06; font-weight: 600; }
h2 { font-size: clamp(1.7rem, 2.8vw, 2.5rem); line-height: 1.14; }
h3 { font-size: 1.28rem; font-weight: 600; }
p { margin: 0 0 1em; color: var(--ink-soft); overflow-wrap: break-word; word-break: break-word; }
a { color: inherit; text-decoration: none; }
img, svg { max-width: 100%; display: block; }
ul { padding-left: 1.1em; color: var(--ink-soft); }
li { margin-bottom: .4em; }
.hero-grid, .cta-band, .nav-links, .footer-grid, .grid { min-width: 0; }
.hero-grid > *, .cta-band > *, .footer-grid > * { min-width: 0; }
::selection { background: var(--blue-100); color: var(--blue-600); }

.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 100px 0; }
.section-tight { padding: 60px 0; }
.section-alt { background: var(--surface-alt); }
.section-paper { background: var(--paper); }
.section-dark { background: radial-gradient(1100px 480px at 85% -10%, rgba(59,110,165,.30), transparent 60%), linear-gradient(165deg, var(--navy-900), var(--navy-700) 78%); color: var(--paper); }
.section-dark h1, .section-dark h2, .section-dark h3 { color: var(--paper); }
.section-dark p { color: #b9c1d6; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--blue-600);
  margin-bottom: 16px;
  font-family: "Inter", sans-serif;
}
.eyebrow::before {
  content: "";
  width: 24px;
  height: 2px;
  background: var(--blue-500);
  display: inline-block;
}
.section-dark .eyebrow { color: var(--blue-300); }
.section-dark .eyebrow::before { background: var(--blue-400); }

.lead { font-size: 1.18rem; color: var(--ink-soft); max-width: 620px; }
.section-dark .lead { color: #c7cede; }

/* ---------- Reveal-on-scroll ---------- */
[data-reveal] {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity .7s var(--ease), transform .7s var(--ease);
  will-change: opacity, transform;
}
[data-reveal].is-visible { opacity: 1; transform: translateY(0); }
[data-reveal="fade"] { transform: none; }
[data-reveal-group] > * { transition-delay: calc(var(--i, 0) * 90ms); }

/* ---------- Buttons ---------- */
.btn {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: 100px;
  font-weight: 600;
  font-size: .95rem;
  font-family: "Inter", sans-serif;
  border: 1px solid transparent;
  cursor: pointer;
  overflow: hidden;
  transition: transform .2s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease), color .2s var(--ease), border-color .2s var(--ease);
  white-space: nowrap;
}
.btn-primary { background: linear-gradient(135deg, var(--blue-500), var(--navy-700)); color: var(--paper); box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: linear-gradient(135deg, var(--blue-400), var(--navy-600)); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-ghost { background: transparent; color: var(--navy-800); border-color: var(--border-strong); }
.btn-ghost:hover { border-color: var(--blue-500); color: var(--blue-600); }
.section-dark .btn-ghost { color: var(--paper); border-color: rgba(255,255,255,.28); }
.section-dark .btn-ghost:hover { border-color: var(--paper); }
.btn-navy { background: var(--navy-800); color: var(--paper); }
.btn-navy:hover { background: var(--navy-700); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-block { width: 100%; }
.btn-lg { padding: 15px 30px; font-size: 1rem; }

.btn .ripple {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,.5);
  transform: scale(0);
  animation: ripple .6s var(--ease);
  pointer-events: none;
}
@keyframes ripple { to { transform: scale(3); opacity: 0; } }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow .25s var(--ease), background .25s var(--ease);
}
.site-header.scrolled { box-shadow: 0 6px 24px rgba(11,18,38,.07); }
.nav-wrap {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
  transition: height .25s var(--ease);
}
.site-header.scrolled .nav-wrap { height: 66px; }
.logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0; max-height: 48px; overflow: hidden; }
.logo svg { height: 38px; width: auto; }
.logo img { height: 38px !important; width: 104px !important; max-width: 104px; max-height: 38px; object-fit: contain; flex-shrink: 0; display: block; }
.footer-about img { width: 170px !important; height: 89px !important; max-width: 170px; max-height: 89px; object-fit: contain; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 34px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  position: relative;
  font-size: .92rem;
  font-weight: 600;
  color: var(--ink-soft);
  padding: 8px 0;
  transition: color .15s ease;
}
.nav-links a::after {
  content: "";
  position: absolute;
  left: 0; right: 100%;
  bottom: 0;
  height: 2px;
  background: var(--blue-500);
  transition: right .25s var(--ease);
}
.nav-links a:hover, .nav-links a.active { color: var(--navy-800); }
.nav-links a:hover::after, .nav-links a.active::after { right: 0; }

.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--border-strong);
  border-radius: 8px;
  color: var(--navy-800);
  width: 40px;
  height: 40px;
  font-size: 1.2rem;
  cursor: pointer;
}

@media (max-width: 900px) {
  .nav-links {
    position: absolute; top: 100%; left: 0; right: 0;
    background: var(--paper);
    flex-direction: column; align-items: flex-start;
    padding: 0 24px; gap: 2px;
    margin: 0;
    max-height: 0; min-height: 0;
    overflow: hidden;
    display: flex;
    border-bottom: none;
    box-shadow: none;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: max-height .35s var(--ease), padding .35s var(--ease), opacity .25s ease, visibility 0s linear .35s;
    z-index: 90;
  }
  .nav-links.open {
    max-height: 420px;
    padding: 18px 24px;
    border-bottom: 1px solid var(--border);
    box-shadow: 0 12px 24px rgba(11,18,38,.08);
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transition: max-height .35s var(--ease), padding .35s var(--ease), opacity .25s ease .05s, visibility 0s linear 0s;
  }
  .nav-links a { width: 100%; padding: 10px 0; }
  .nav-links a::after { display: none; }
  .nav-cta .btn-ghost { display: none; }
  .nav-toggle { display: inline-flex; align-items: center; justify-content: center; }
  .nav-cta { gap: 8px; }
  .nav-cta .btn-primary { padding: 10px 16px; font-size: .85rem; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .logo img { height: 28px !important; width: 77px !important; max-width: 77px; max-height: 28px; }
  .nav-wrap { height: 66px; }
  .site-header.scrolled .nav-wrap { height: 58px; }
  .nav-cta { gap: 6px; }
  .nav-cta .btn-primary { padding: 8px 12px; font-size: .78rem; }
  .nav-toggle { width: 34px; height: 34px; font-size: 1rem; }
  .ticker { font-size: .66rem; }
  .ticker .container { gap: 14px; padding: 6px 16px; }
  h1 { font-size: clamp(1.7rem, 8vw, 2.3rem); }
  h2 { font-size: clamp(1.4rem, 6.5vw, 1.8rem); }
  .lead { font-size: 1rem; }
  .hero { padding: 48px 0 40px; }
  .section { padding: 52px 0; }
  .section-tight { padding: 36px 0; }
  .page-hero { padding: 44px 0 36px; }
  .cta-band { padding: 28px; gap: 18px; }
  .card, .plan-card { padding: 22px; }
  .hero-stats { gap: 22px; }
  .hero-actions .btn { flex: 1 1 auto; text-align: center; }
}

/* ---------- Ticker strip ---------- */
.ticker {
  background: var(--navy-900);
  color: #9fb0cf;
  font-size: .78rem;
  letter-spacing: .04em;
  border-bottom: 1px solid rgba(255,255,255,.05);
}
.ticker .container { display: flex; gap: 28px; padding: 8px 24px; overflow-x: auto; white-space: nowrap; }
.ticker .container span { flex-shrink: 0; min-width: max-content; }
.ticker span b { color: var(--paper); font-variant-numeric: tabular-nums; transition: color .3s ease; }
.ticker .up { color: #56c98a !important; }
.ticker .down { color: #e2746f !important; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  padding: 108px 0 96px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 48px;
  align-items: start;
  position: relative;
}
.hero-grid > div:first-child { padding-top: 4px; }
.hero-panel { margin-top: 4px; }
.hero-panel-head { display: flex; align-items: center; gap: 9px; margin-bottom: 18px; padding-bottom: 16px; border-bottom: 1px solid rgba(255,255,255,.1); }
.hero-panel-head .live-dot { width: 8px; height: 8px; border-radius: 50%; background: #56c98a; box-shadow: 0 0 0 0 rgba(86,201,138,.6); animation: livePulse 2s infinite; flex-shrink: 0; }
.hero-panel-head .live-label { font-size: .78rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: #cfd5e6; }
.hero-panel-head .live-sub { margin-left: auto; font-size: .72rem; color: #7f8bab; }
@keyframes livePulse {
  0% { box-shadow: 0 0 0 0 rgba(86,201,138,.55); }
  70% { box-shadow: 0 0 0 7px rgba(86,201,138,0); }
  100% { box-shadow: 0 0 0 0 rgba(86,201,138,0); }
}
@media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; } }

.hero-actions { display: flex; gap: 14px; margin-top: 32px; flex-wrap: wrap; }

.hero-stats { display: flex; gap: 38px; margin-top: 52px; flex-wrap: wrap; }
.hero-stats div strong { display: block; font-family: "Fraunces", serif; font-size: 1.9rem; color: var(--paper); font-weight: 600; }
.hero-stats div span { font-size: .8rem; color: #9fb0cf; text-transform: uppercase; letter-spacing: .06em; }

.hero-panel {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: var(--radius-lg);
  padding: 26px;
  box-shadow: var(--shadow-lg);
}
.hero-panel-row { display: flex; justify-content: space-between; align-items: center; padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,.08); }
.hero-panel-row:last-child { border-bottom: none; }
.hero-panel-row .pair { font-weight: 700; color: var(--paper); }
.hero-panel-row .price { font-family: "SFMono-Regular", Consolas, Menlo, monospace; transition: color .3s ease; }
.hero-panel-row .price.up { color: #56c98a; }
.hero-panel-row .price.down { color: #e2746f; }
.chip { font-size: .68rem; padding: 3px 8px; border-radius: 100px; background: rgba(255,255,255,.08); color: #cfd5e6; }

.hero-chart { margin-top: 16px; }
.hero-chart path.line {
  fill: none;
  stroke: var(--blue-400);
  stroke-width: 2.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.hero-chart path.area { fill: url(#areaGradient); opacity: .5; }

/* ---------- Cards / Grids ---------- */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card {
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .25s var(--ease), transform .25s var(--ease), border-color .25s var(--ease);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); border-color: var(--border-strong); }
.card-icon {
  width: 46px; height: 46px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--blue-500), var(--navy-700));
  display: flex; align-items: center; justify-content: center;
  color: var(--paper);
  margin-bottom: 18px;
  transition: transform .3s var(--ease);
}
.card:hover .card-icon { transform: rotate(-6deg) scale(1.06); }

/* ---------- Section head ---------- */
.section-head { max-width: 640px; margin: 0 0 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

/* ---------- Stat counters ---------- */
.stat-block { text-align: center; }
.stat-num { font-family: "Fraunces", serif; font-size: clamp(2rem, 3.4vw, 2.6rem); font-weight: 600; color: var(--navy-800); display: inline-flex; align-items: baseline; gap: 2px; }
.stat-label { color: var(--ink-soft); margin-top: 4px; }

/* ---------- Tabs (account switcher) ---------- */
.tabs { display: flex; gap: 8px; justify-content: center; flex-wrap: wrap; margin-bottom: 40px; }
.tab-btn {
  padding: 11px 24px;
  border-radius: 100px;
  border: 1px solid var(--border-strong);
  background: var(--paper);
  font-weight: 600;
  font-size: .92rem;
  cursor: pointer;
  color: var(--ink-soft);
  transition: all .2s var(--ease);
}
.tab-btn:hover { border-color: var(--blue-500); color: var(--blue-600); }
.tab-btn.active { background: var(--navy-800); border-color: var(--navy-800); color: var(--paper); }
.tab-panels { position: relative; }
.tab-panel { display: none; animation: fadeUp .5s var(--ease); }
.tab-panel.active { display: block; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: translateY(0); } }

/* spread bar visual */
.spread-bar-track { height: 10px; border-radius: 100px; background: var(--surface-alt); overflow: hidden; margin: 18px 0 8px; }
.spread-bar-fill { height: 100%; border-radius: 100px; background: linear-gradient(90deg, var(--blue-400), var(--navy-700)); width: 0%; transition: width 1s var(--ease); }

/* ---------- Pricing / Account cards ---------- */
.plan-card {
  position: relative;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 38px 32px;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
  transition: transform .3s var(--ease), box-shadow .3s var(--ease);
}
.plan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.plan-card.featured {
  border-color: var(--blue-500);
  box-shadow: 0 26px 50px rgba(59,110,165,.18);
}
.plan-card.featured:hover { transform: translateY(-10px); }
.plan-badge {
  position: absolute; top: -13px; left: 32px;
  background: var(--blue-500);
  color: var(--paper);
  font-size: .7rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  padding: 5px 14px; border-radius: 100px;
}
.plan-name { font-family: "Fraunces", serif; font-size: 1.2rem; font-weight: 600; color: var(--navy-800); margin-bottom: 6px; }
.plan-tagline { font-size: .88rem; color: var(--ink-soft); margin-bottom: 22px; }
.plan-price { font-family: "Fraunces", serif; font-size: 2.3rem; font-weight: 600; color: var(--navy-800); margin-bottom: 4px; }
.plan-price span { font-family: "Inter", sans-serif; font-size: .92rem; font-weight: 600; color: var(--ink-soft); }
.plan-sub { font-size: .82rem; color: var(--blue-500); font-weight: 700; margin-bottom: 24px; }
.plan-list { list-style: none; padding: 0; margin: 0 0 26px; flex: 1; }
.plan-list li { display: flex; gap: 10px; align-items: flex-start; font-size: .92rem; color: var(--ink); margin-bottom: 12px; }
.plan-list li svg { flex-shrink: 0; margin-top: 2px; color: var(--blue-500); }

/* ---------- Table ---------- */
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--border); }
table { width: 100%; border-collapse: collapse; min-width: 640px; background: var(--paper); }
th, td { padding: 17px 20px; text-align: left; border-bottom: 1px solid var(--border); font-size: .92rem; }
th { background: var(--surface-alt); color: var(--navy-800); font-size: .78rem; text-transform: uppercase; letter-spacing: .05em; font-family: "Inter", sans-serif; }
tbody tr:last-child td { border-bottom: none; }
tbody tr { transition: background .2s ease; }
tbody tr:hover { background: var(--blue-100); }
td.hl { color: var(--blue-500); font-weight: 700; }

/* ---------- Steps ---------- */
.steps { counter-reset: step; }
.step { position: relative; padding-left: 58px; margin-bottom: 34px; }
.step::before {
  counter-increment: step;
  content: counter(step);
  position: absolute; left: 0; top: 0;
  width: 40px; height: 40px;
  border-radius: 50%;
  font-family: "Fraunces", serif;
  background: var(--navy-800);
  color: var(--paper);
  display: flex; align-items: center; justify-content: center;
  font-weight: 600;
}

/* ---------- Accordion (FAQ) ---------- */
.accordion { border-top: 1px solid var(--border); }
.acc-item { border-bottom: 1px solid var(--border); }
.acc-trigger {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 22px 4px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  cursor: pointer;
  font-family: "Fraunces", serif;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy-800);
}
.acc-trigger .plus { flex-shrink: 0; width: 26px; height: 26px; border-radius: 50%; border: 1px solid var(--border-strong); display: flex; align-items: center; justify-content: center; position: relative; transition: transform .3s var(--ease), background .2s ease, border-color .2s ease; }
.acc-trigger .plus::before, .acc-trigger .plus::after { content: ""; position: absolute; background: var(--navy-800); transition: transform .3s var(--ease), opacity .2s ease; }
.acc-trigger .plus::before { width: 10px; height: 1.6px; }
.acc-trigger .plus::after { width: 1.6px; height: 10px; }
.acc-item.open .acc-trigger .plus { background: var(--navy-800); border-color: var(--navy-800); }
.acc-item.open .acc-trigger .plus::before, .acc-item.open .acc-trigger .plus::after { background: var(--paper); }
.acc-item.open .acc-trigger .plus::after { transform: rotate(90deg); opacity: 0; }
.acc-panel { max-height: 0; overflow: hidden; transition: max-height .4s var(--ease); }
.acc-panel-inner { padding: 0 4px 22px; }
.acc-panel-inner p { margin: 0; }

/* ---------- CTA band ---------- */
.cta-band {
  background: radial-gradient(700px 320px at 90% 0%, rgba(59,110,165,.35), transparent 60%), linear-gradient(135deg, var(--navy-900), var(--navy-600));
  color: var(--paper);
  border-radius: var(--radius-lg);
  padding: 58px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
}
.cta-band h2, .cta-band p { color: var(--paper); margin: 0; }
.cta-band p { color: #d8dfec; margin-top: 8px; max-width: 480px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-900); color: #9fb0cf; padding: 68px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.08); }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-grid h4 { color: var(--paper); font-family: "Inter", sans-serif; font-size: .85rem; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 16px; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: 10px; }
.footer-grid a { color: #9fb0cf; font-size: .92rem; transition: color .15s ease; }
.footer-grid a:hover { color: var(--paper); }
.footer-about p { color: #9fb0cf; font-size: .9rem; max-width: 320px; }
.footer-bottom { padding: 26px 0 32px; display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; font-size: .8rem; color: #7783a0; }
.footer-legal-links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-legal-links a { color: #7783a0; font-size: .8rem; }
.footer-legal-links a:hover { color: var(--paper); }

.risk-banner {
  background: var(--navy-800);
  color: #b7bfd4;
  font-size: .8rem;
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,.06);
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.risk-banner .container { line-height: 1.6; }

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.badge {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: .78rem; font-weight: 700; color: var(--blue-600);
  background: var(--blue-100); padding: 6px 12px; border-radius: 100px;
}
.divider { height: 1px; background: var(--border); margin: 48px 0; }

.page-hero { padding: 68px 0 60px; }
.page-hero .lead { color: #c7cede; }

/* ---------- Forms ---------- */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 620px) { .form-grid { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 18px; }
.field.full { grid-column: 1 / -1; }
label { font-size: .85rem; font-weight: 600; color: var(--navy-800); }
input, select, textarea {
  font-family: inherit;
  font-size: .95rem;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-strong);
  background: var(--paper);
  color: var(--ink);
  transition: border-color .2s ease, box-shadow .2s ease;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--blue-500); box-shadow: 0 0 0 3px var(--blue-100); }
textarea { resize: vertical; min-height: 120px; }
.form-note { font-size: .8rem; color: var(--ink-faint); margin-top: 10px; }
.contact-info-card { background: var(--paper); border-radius: var(--radius-lg); padding: 32px; border: 1px solid var(--border); }
.contact-info-row { display: flex; gap: 16px; margin-bottom: 22px; }
.contact-info-row:last-child { margin-bottom: 0; }
.contact-info-row .icon { width: 42px; height: 42px; border-radius: 11px; background: var(--blue-100); color: var(--blue-500); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-info-row h4 { margin: 0 0 4px; font-size: .95rem; font-family: "Inter", sans-serif; font-weight: 700; }
.contact-info-row p { margin: 0; font-size: .9rem; }

.map-frame { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--border); }

/* success toast for form */
.toast {
  position: fixed;
  bottom: 26px;
  left: 50%;
  transform: translateX(-50%) translateY(20px);
  background: var(--navy-800);
  color: var(--paper);
  padding: 14px 22px;
  border-radius: 100px;
  font-size: .9rem;
  font-weight: 600;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 10px;
  opacity: 0;
  pointer-events: none;
  transition: opacity .3s var(--ease), transform .3s var(--ease);
  z-index: 999;
}
.toast.show { opacity: 1; transform: translateX(-50%) translateY(0); }
.toast svg { color: #56c98a; }

/* cursor-follow glow on hero */
.glow-cursor {
  position: absolute;
  width: 420px; height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(59,110,165,.25), transparent 70%);
  pointer-events: none;
  transform: translate(-50%, -50%);
  transition: opacity .3s ease;
  opacity: 0;
}
.hero:hover .glow-cursor { opacity: 1; }

/* marquee for logos/trust strip */
.marquee-wrap { overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.marquee { display: flex; gap: 60px; width: max-content; animation: marquee 26s linear infinite; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.marquee-item { font-family: "Fraunces", serif; font-weight: 600; font-size: 1.1rem; color: var(--ink-faint); white-space: nowrap; opacity: .7; }