:root {
  --navy: #1d3557;
  --navy-2: #10243d;
  --olive: #b9cb45;
  --ink: #172235;
  --muted: #627084;
  --line: #e8edf2;
  --soft: #f7f9fb;
  --white: #ffffff;
  --shadow: 0 24px 70px rgba(29, 53, 87, 0.12);
  --radius: 8px;
  --serif: "Playfair Display", "Cormorant Garamond", Georgia, serif;
  --sans: "Inter", "Manrope", Arial, sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.7;
  text-rendering: optimizeLegibility;
}

img,
svg {
  display: block;
}

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

p,
h1,
h2,
h3 {
  margin-top: 0;
}

.skip-link {
  position: fixed;
  left: 1rem;
  top: -5rem;
  z-index: 100;
  background: var(--navy);
  color: var(--white);
  padding: 0.75rem 1rem;
  border-radius: var(--radius);
}

.skip-link:focus {
  top: 1rem;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  border-bottom: 1px solid rgba(232, 237, 242, 0.85);
  backdrop-filter: blur(18px);
}

.nav-shell {
  width: min(1180px, calc(100% - 40px));
  margin: 0 auto;
  min-height: 82px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.brand {
  display: flex;
  align-items: center;
  min-width: 210px;
}

.brand img {
  width: 176px;
  height: auto;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  color: #35435a;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.site-nav a {
  position: relative;
  padding: 0.55rem 0;
}

.site-nav a::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0.2rem;
  height: 2px;
  background: var(--olive);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 180ms ease;
}

.site-nav a:hover::after,
.site-nav a:focus-visible::after,
.site-nav a.active::after {
  transform: scaleX(1);
}

.nav-cta {
  border: 1px solid var(--olive);
  border-radius: 999px;
  padding: 0.82rem 1.45rem;
  color: var(--navy);
  background: var(--olive);
  box-shadow: 0 10px 24px rgba(185, 203, 69, 0.26);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
  white-space: nowrap;
  min-width: 132px;
  text-align: center;
}

.nav-cta:hover,
.nav-cta:focus-visible {
  background: #c7d957;
  transform: translateY(-1px);
  box-shadow: 0 14px 30px rgba(185, 203, 69, 0.32);
}

.site-nav .nav-cta::after {
  display: none;
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  color: var(--navy);
  align-items: center;
  justify-content: center;
}

.icon {
  width: 22px;
  height: 22px;
  stroke: currentColor;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
  fill: none;
  flex: 0 0 auto;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.65rem;
  min-height: 48px;
  border-radius: 999px;
  padding: 0.78rem 1.25rem;
  border: 1px solid transparent;
  font-weight: 800;
  color: var(--white);
  background: var(--navy);
  box-shadow: 0 16px 32px rgba(29, 53, 87, 0.16);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

.button:hover,
.button:focus-visible {
  transform: translateY(-2px);
  box-shadow: 0 20px 44px rgba(29, 53, 87, 0.22);
}

.button.secondary {
  color: var(--navy);
  background: var(--white);
  border-color: rgba(29, 53, 87, 0.18);
  box-shadow: none;
}

.button.olive {
  color: var(--navy);
  background: var(--olive);
}

.section {
  padding: 6.5rem 0;
}

.section.soft {
  background: var(--soft);
}

.container {
  width: min(1180px, calc(100% - 40px));
  margin: 0 auto;
}

.section-kicker {
  margin-bottom: 0.65rem;
  color: var(--navy);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.13em;
  text-transform: uppercase;
}

.section-title {
  max-width: 760px;
  color: var(--navy);
  font-family: var(--serif);
  font-size: clamp(2rem, 4vw, 4rem);
  line-height: 1.05;
  font-weight: 700;
}

.section-lede {
  max-width: 720px;
  color: var(--muted);
  font-size: 1.05rem;
}

.hero {
  position: relative;
  overflow: hidden;
  min-height: calc(100vh - 82px);
  display: grid;
  align-items: center;
  background:
    radial-gradient(circle at 85% 18%, rgba(185, 203, 69, 0.12), transparent 26rem),
    linear-gradient(180deg, #ffffff 0%, #f7f9fb 100%);
}

.hero::before {
  content: "";
  position: absolute;
  inset: 5rem auto auto 52%;
  width: 44rem;
  height: 44rem;
  border: 1px solid rgba(29, 53, 87, 0.06);
  border-radius: 50%;
  transform: translateY(-18%);
}

.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(320px, 0.92fr);
  align-items: center;
  gap: 4rem;
  padding: 4rem 0 5rem;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  margin-bottom: 1.35rem;
  color: var(--navy);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.eyebrow::before {
  content: "";
  width: 44px;
  height: 1px;
  background: var(--olive);
}

.hero h1,
.page-hero h1 {
  color: var(--navy);
  font-family: var(--serif);
  font-size: clamp(3rem, 7vw, 6.4rem);
  line-height: 0.96;
  letter-spacing: 0;
  font-weight: 700;
}

.hero p {
  max-width: 690px;
  color: #506074;
  font-size: clamp(1.05rem, 2vw, 1.28rem);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
  margin-top: 2rem;
}

.hero-art {
  position: relative;
  padding: 1.25rem;
}

.brand-card {
  position: relative;
  z-index: 1;
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid rgba(232, 237, 242, 0.92);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: clamp(1.5rem, 3vw, 2.5rem);
}

.brand-card img {
  width: min(100%, 360px);
  margin: 0 auto 2rem;
}

.ledger {
  border-top: 1px solid var(--line);
}

.ledger-row {
  display: grid;
  grid-template-columns: 34px 1fr;
  gap: 1rem;
  align-items: center;
  min-height: 64px;
  border-bottom: 1px solid var(--line);
}

.ledger-row span:first-child {
  width: 28px;
  height: 28px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: var(--navy);
  background: rgba(185, 203, 69, 0.22);
  font-size: 0.76rem;
  font-weight: 900;
}

.ledger-row strong {
  color: var(--navy);
  font-size: 0.92rem;
}

.trust-grid,
.card-grid,
.education-grid,
.service-grid,
.contact-grid {
  display: grid;
  gap: 1rem;
}

.trust-grid {
  grid-template-columns: repeat(5, minmax(0, 1fr));
}

.stat-card,
.info-card,
.service-card,
.education-card,
.framework-card,
.contact-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  transition: transform 180ms ease, border-color 180ms ease, box-shadow 180ms ease;
}

.stat-card:hover,
.info-card:hover,
.service-card:hover,
.education-card:hover,
.framework-card:hover,
.contact-card:hover {
  transform: translateY(-4px);
  border-color: rgba(29, 53, 87, 0.24);
  box-shadow: 0 18px 46px rgba(29, 53, 87, 0.08);
}

.stat-card {
  min-height: 170px;
  padding: 1.45rem;
  display: grid;
  grid-template-rows: auto auto 1fr;
  align-items: start;
  gap: 0.85rem;
}

.stat-card strong {
  display: block;
  color: var(--navy);
  font-family: var(--serif);
  font-size: clamp(2.1rem, 3.4vw, 3.05rem);
  line-height: 1;
  min-height: 3.3rem;
}

.stat-card span {
  display: block;
  color: #526176;
  font-weight: 750;
}

.stat-icon {
  width: 46px;
  height: 46px;
  display: grid !important;
  place-items: center;
  margin-bottom: 0.15rem;
  color: var(--navy);
  background: rgba(185, 203, 69, 0.16);
  border: 1px solid rgba(185, 203, 69, 0.42);
  border-radius: var(--radius);
}

.media-feature {
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(320px, 1.18fr);
  gap: 3rem;
  align-items: center;
}

.video-shell {
  overflow: hidden;
  background: var(--navy-2);
  border: 1px solid rgba(29, 53, 87, 0.12);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.video-shell video {
  display: block;
  width: 100%;
  aspect-ratio: 16 / 9;
  background: var(--navy-2);
}

.media-heading {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 2rem;
  margin-bottom: 2rem;
}

.carousel-controls {
  display: flex;
  gap: 0.65rem;
  flex: 0 0 auto;
}

.carousel-button {
  width: 46px;
  height: 46px;
  display: grid;
  place-items: center;
  color: var(--navy);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  cursor: pointer;
  transition: transform 180ms ease, border-color 180ms ease, box-shadow 180ms ease;
}

.carousel-button:hover,
.carousel-button:focus-visible {
  transform: translateY(-2px);
  border-color: rgba(29, 53, 87, 0.24);
  box-shadow: 0 14px 32px rgba(29, 53, 87, 0.08);
}

.carousel-button[data-carousel-prev] .icon {
  transform: rotate(180deg);
}

.media-carousel {
  position: relative;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow);
}

.carousel-overlay-controls {
  position: absolute;
  inset: 50% 1rem auto 1rem;
  z-index: 3;
  display: flex;
  justify-content: space-between;
  transform: translateY(-50%);
  pointer-events: none;
}

.carousel-overlay-controls .carousel-button {
  color: var(--white);
  background: rgba(16, 36, 61, 0.82);
  border-color: rgba(255, 255, 255, 0.18);
  backdrop-filter: blur(10px);
  pointer-events: auto;
}

.carousel-track {
  position: relative;
  min-height: clamp(320px, 54vw, 640px);
}

.carousel-slide {
  position: absolute;
  inset: 0;
  margin: 0;
  opacity: 0;
  pointer-events: none;
  transition: opacity 420ms ease;
}

.carousel-slide.active {
  opacity: 1;
  pointer-events: auto;
}

.carousel-slide img {
  width: 100%;
  height: 100%;
  min-height: clamp(320px, 54vw, 640px);
  object-fit: cover;
}

.carousel-slide figcaption {
  position: absolute;
  left: 1rem;
  right: 1rem;
  bottom: 1rem;
  padding: 0.85rem 1rem;
  color: var(--white);
  background: rgba(16, 36, 61, 0.82);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius);
  backdrop-filter: blur(10px);
  font-weight: 700;
}

.carousel-dots {
  display: flex;
  justify-content: center;
  gap: 0.55rem;
  padding: 1rem;
  border-top: 1px solid var(--line);
}

.carousel-dots button {
  width: 10px;
  height: 10px;
  padding: 0;
  border: 0;
  border-radius: 50%;
  background: #c8d1dc;
  cursor: pointer;
}

.carousel-dots button.active {
  background: var(--navy);
  box-shadow: 0 0 0 5px rgba(185, 203, 69, 0.18);
}

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

.info-card,
.service-card,
.education-card {
  padding: 1.6rem;
  min-height: 100%;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.card-icon {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  margin-bottom: 1.45rem;
  color: var(--navy);
  background: rgba(185, 203, 69, 0.16);
  border: 1px solid rgba(185, 203, 69, 0.4);
  border-radius: var(--radius);
}

.info-card h3,
.service-card h3,
.education-card h3,
.framework-card h3,
.contact-card h3 {
  margin-bottom: 0.55rem;
  color: var(--navy);
  font-family: var(--serif);
  font-size: 1.45rem;
  line-height: 1.18;
}

.info-card p,
.service-card p,
.education-card p,
.framework-card p,
.contact-card p {
  margin-bottom: 0;
  color: var(--muted);
}

.framework-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin-top: 2.25rem;
}

.framework-card {
  padding: 1.45rem;
}

.step {
  display: inline-flex;
  margin-bottom: 2.2rem;
  color: var(--olive);
  font-family: var(--serif);
  font-size: 2.35rem;
  line-height: 1;
}

.page-hero {
  padding: 6rem 0 4.5rem;
  background:
    radial-gradient(circle at 88% 10%, rgba(185, 203, 69, 0.11), transparent 24rem),
    var(--soft);
  border-bottom: 1px solid var(--line);
}

.page-hero h1 {
  max-width: 900px;
  font-size: clamp(2.8rem, 6vw, 5.6rem);
}

.page-hero p {
  max-width: 760px;
  color: var(--muted);
  font-size: 1.12rem;
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(320px, 1.05fr);
  gap: 4rem;
  align-items: start;
}

.panel {
  padding: 2rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: 0 16px 42px rgba(29, 53, 87, 0.06);
}

.panel h2 {
  color: var(--navy);
  font-family: var(--serif);
  font-size: 2rem;
  line-height: 1.1;
}

.value-list {
  display: grid;
  gap: 0.85rem;
  margin: 1.5rem 0 0;
  padding: 0;
  list-style: none;
}

.value-list li {
  display: grid;
  grid-template-columns: 22px 1fr;
  gap: 0.75rem;
  color: #4c5a70;
}

.value-list li::before {
  content: "";
  width: 10px;
  height: 10px;
  margin-top: 0.6rem;
  border-radius: 50%;
  background: var(--olive);
  box-shadow: 0 0 0 5px rgba(185, 203, 69, 0.14);
}

.timeline {
  display: grid;
  gap: 1rem;
}

.timeline-item {
  padding: 1.25rem;
  border-left: 3px solid var(--olive);
  background: var(--soft);
}

.timeline-item strong {
  display: block;
  color: var(--navy);
}

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

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

.leadership-profile {
  display: grid;
  grid-template-columns: minmax(280px, 0.8fr) minmax(0, 1.2fr);
  gap: 4rem;
  align-items: center;
}

.portrait-frame {
  position: relative;
  padding: 0.75rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.portrait-frame::after {
  content: "";
  position: absolute;
  left: 0.75rem;
  right: 0.75rem;
  bottom: -1rem;
  height: 1rem;
  background: var(--olive);
  border-radius: 0 0 var(--radius) var(--radius);
  z-index: -1;
}

.portrait-frame img {
  width: 100%;
  border-radius: 6px;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: 50% 28%;
}

.leadership-copy h2 {
  color: var(--navy);
  font-family: var(--serif);
  font-size: clamp(2.2rem, 4vw, 4.1rem);
  line-height: 1.05;
}

.role {
  color: var(--navy);
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.contact-hero-card {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 2rem;
  align-items: center;
  margin-top: 2rem;
  padding: 2rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

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

.contact-card {
  padding: 1.45rem;
}

.contact-card a {
  color: var(--navy);
  font-weight: 750;
  overflow-wrap: anywhere;
}

.map-wrap {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  min-height: 420px;
}

.map-wrap iframe {
  width: 100%;
  height: 420px;
  border: 0;
  display: block;
  filter: saturate(0.78) contrast(1.02);
}

.map-actions {
  display: flex;
  justify-content: center;
  margin-top: 1.25rem;
}

.calculator-grid,
.utility-grid,
.review-grid {
  display: grid;
  gap: 1rem;
}

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

.calculator-card,
.utility-card,
.review-card,
.faq-item {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: 0 16px 42px rgba(29, 53, 87, 0.05);
}

.calculator-card {
  min-height: 100%;
  padding: 1.6rem;
  display: flex;
  flex-direction: column;
  gap: 0.95rem;
}

.calculator-card h2,
.utility-card h3,
.review-card h3,
.faq-item summary {
  color: var(--navy);
  font-family: var(--serif);
  line-height: 1.15;
}

.calculator-card h2 {
  margin-bottom: 0;
  font-size: 1.8rem;
}

.calculator-card p {
  margin-bottom: 0;
  color: var(--muted);
}

.calculator-card label {
  display: grid;
  gap: 0.35rem;
  color: #415069;
  font-size: 0.9rem;
  font-weight: 800;
}

.calculator-card input {
  width: 100%;
  min-height: 46px;
  color: var(--navy);
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 0.75rem 0.85rem;
  font: inherit;
  font-weight: 800;
}

.calculator-card input:focus {
  outline: 3px solid rgba(185, 203, 69, 0.28);
  border-color: var(--olive);
  background: var(--white);
}

.calculator-results {
  display: grid;
  gap: 0.65rem;
  margin-top: auto;
  padding-top: 0.5rem;
}

.calculator-results div {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 1rem;
  align-items: center;
  padding: 0.8rem 0;
  border-bottom: 1px solid var(--line);
}

.calculator-results div:last-child {
  border-bottom: 0;
}

.calculator-results span {
  color: var(--muted);
  font-size: 0.88rem;
  font-weight: 800;
}

.calculator-results strong {
  color: var(--navy);
  text-align: right;
  overflow-wrap: anywhere;
}

.calc-note,
.tool-disclaimer {
  color: var(--muted);
  font-size: 0.9rem;
}

.tool-disclaimer {
  max-width: 900px;
  margin: 1.5rem auto 0;
  padding: 1rem 1.2rem;
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.utility-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 2rem;
}

.utility-card {
  padding: 1.6rem;
  transition: transform 180ms ease, border-color 180ms ease, box-shadow 180ms ease;
}

.utility-card:hover,
.utility-card:focus-visible {
  transform: translateY(-4px);
  border-color: rgba(29, 53, 87, 0.24);
  box-shadow: 0 18px 46px rgba(29, 53, 87, 0.08);
}

.utility-card h3,
.review-card h3 {
  margin-bottom: 0.5rem;
  font-size: 1.35rem;
}

.utility-card p,
.review-card p,
.faq-item p {
  margin-bottom: 0;
  color: var(--muted);
}

.faq-list {
  display: grid;
  gap: 0.9rem;
}

.faq-item {
  overflow: hidden;
}

.faq-item summary {
  cursor: pointer;
  list-style: none;
  padding: 1.25rem 1.4rem;
  font-size: 1.25rem;
  font-weight: 700;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: "+";
  float: right;
  color: var(--olive);
  font-family: var(--sans);
  font-size: 1.35rem;
  line-height: 1;
}

.faq-item[open] summary::after {
  content: "-";
}

.faq-item p {
  padding: 0 1.4rem 1.35rem;
}

.review-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 2rem;
}

.review-card {
  min-height: 100%;
  padding: 1.45rem;
}

.review-rating {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1rem;
  color: #dba81c;
  font-weight: 900;
}

.review-rating span {
  color: var(--muted);
  font-size: 0.85rem;
  font-weight: 700;
}

.review-card blockquote {
  margin: 0 0 1rem;
  color: #4b596d;
  font-size: 0.98rem;
  line-height: 1.65;
}

.review-card cite {
  color: var(--navy);
  font-style: normal;
  font-weight: 900;
}

.risk-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(280px, 0.75fr);
  gap: 1.25rem;
  align-items: start;
  margin-top: 2rem;
}

.risk-form,
.risk-scorecard {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: 0 16px 42px rgba(29, 53, 87, 0.05);
}

.risk-form {
  display: grid;
  gap: 1rem;
  padding: 1.5rem;
}

.risk-investor-name {
  display: grid;
  gap: 0.4rem;
  color: var(--navy);
  font-weight: 850;
}

.risk-investor-name input {
  min-height: 46px;
  color: var(--navy);
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 0.75rem 0.85rem;
  font: inherit;
}

.risk-form fieldset {
  display: grid;
  gap: 0.55rem;
  margin: 0;
  padding: 1.1rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
}

.risk-form legend {
  padding: 0 0.35rem;
  color: var(--navy);
  font-family: var(--serif);
  font-size: 1.18rem;
  font-weight: 700;
  line-height: 1.25;
}

.risk-form fieldset label {
  display: grid;
  grid-template-columns: 18px 1fr;
  gap: 0.7rem;
  align-items: start;
  color: #4d5b70;
  font-weight: 650;
  line-height: 1.45;
}

.risk-form input[type="radio"] {
  width: 16px;
  height: 16px;
  margin-top: 0.25rem;
  accent-color: var(--navy);
}

.risk-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 0.25rem;
}

.risk-result {
  display: grid;
  gap: 0.3rem;
  padding: 1.2rem;
  background: var(--navy);
  color: rgba(255, 255, 255, 0.82);
  border-radius: var(--radius);
}

.risk-result span {
  color: var(--olive);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.risk-result strong {
  color: var(--white);
  font-family: var(--serif);
  font-size: 1.7rem;
  line-height: 1.15;
}

.risk-result p {
  margin-bottom: 0;
  color: rgba(255, 255, 255, 0.78);
}

.risk-scorecard {
  position: sticky;
  top: 104px;
  padding: 1.5rem;
}

.risk-scorecard h3 {
  margin-bottom: 0.6rem;
  color: var(--navy);
  font-family: var(--serif);
  font-size: 1.6rem;
}

.risk-scorecard p {
  color: var(--muted);
}

.risk-scorecard ul {
  display: grid;
  gap: 0.55rem;
  margin: 1.1rem 0;
  padding: 0;
  list-style: none;
}

.risk-scorecard li {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 0.85rem;
  align-items: center;
  padding: 0.75rem;
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.risk-scorecard li strong {
  color: var(--navy);
  font-weight: 900;
}

.risk-scorecard li span {
  color: #4d5b70;
  font-weight: 800;
}

.footer {
  color: rgba(255, 255, 255, 0.78);
  background: var(--navy-2);
  padding: 4.5rem 0 2rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.65fr 0.9fr 1.15fr;
  gap: 2.5rem;
}

.footer-grid > div:first-child {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.footer-logo {
  width: 300px;
  max-width: 100%;
  margin: 0 auto 1.15rem;
  padding: 0;
  background: transparent;
  border-radius: 0;
}

.footer-grid > div:first-child p {
  max-width: 360px;
  margin-left: auto;
  margin-right: auto;
}

.footer h2,
.footer h3 {
  color: var(--white);
  font-family: var(--serif);
  line-height: 1.15;
}

.footer h3 {
  font-size: 1.15rem;
}

.footer-grid h3:not(:first-child) {
  margin-top: 1.35rem;
}

.footer a {
  color: rgba(255, 255, 255, 0.82);
}

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

.footer ul {
  display: grid;
  gap: 0.45rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.disclaimer {
  font-size: 0.88rem;
}

.footer-disclaimer {
  display: grid;
  grid-template-columns: 180px minmax(0, 1fr);
  gap: 1.5rem;
  align-items: start;
  margin-top: 2.5rem;
  padding: 1.35rem 1.5rem;
  background: rgba(255, 255, 255, 0.045);
  border: 1px solid rgba(255, 255, 255, 0.13);
  border-radius: var(--radius);
}

.footer-disclaimer h3,
.footer-disclaimer p {
  margin: 0;
}

.footer-disclaimer .disclaimer {
  max-width: none;
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.65;
}

.footer-bottom {
  margin-top: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.13);
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  font-size: 0.85rem;
}

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 600ms ease, transform 600ms ease;
}

.reveal.visible {
  opacity: 1;
  transform: none;
}

@media (max-width: 1040px) {
  .hero-grid,
  .split,
  .leadership-profile,
  .media-feature,
  .risk-layout {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .risk-scorecard {
    position: static;
  }

  .trust-grid,
  .framework-grid,
  .contact-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .card-grid,
  .service-grid,
  .education-grid,
  .calculator-grid,
  .utility-grid,
  .review-grid,
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 820px) {
  .nav-shell {
    min-height: 74px;
  }

  .brand img {
    width: 144px;
  }

  .menu-toggle {
    display: inline-flex;
  }

  .site-nav {
    position: fixed;
    inset: 74px 0 auto 0;
    display: grid;
    gap: 0;
    padding: 0.75rem 20px 1rem;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    box-shadow: 0 24px 50px rgba(29, 53, 87, 0.12);
    transform: translateY(-120%);
    transition: transform 220ms ease;
  }

  .site-nav.open {
    transform: translateY(0);
  }

  .site-nav a {
    padding: 0.95rem 0;
  }

  .nav-cta {
    width: max-content;
    margin-top: 0.5rem;
  }

  .section {
    padding: 4.5rem 0;
  }

  .hero {
    min-height: auto;
  }

  .hero-grid {
    padding: 3.5rem 0 4rem;
  }

  .contact-hero-card {
    grid-template-columns: 1fr;
  }

  .media-heading {
    align-items: start;
    flex-direction: column;
  }

  .footer-disclaimer {
    grid-template-columns: 1fr;
    gap: 0.5rem;
  }
}

@media (max-width: 640px) {
  .container,
  .nav-shell {
    width: min(100% - 28px, 1180px);
  }

  .hero h1,
  .page-hero h1 {
    font-size: clamp(2.55rem, 15vw, 4.4rem);
  }

  .hero-actions,
  .contact-hero-card {
    align-items: stretch;
  }

  .button {
    width: 100%;
  }

  .trust-grid,
  .card-grid,
  .service-grid,
  .framework-grid,
  .education-grid,
  .contact-grid,
  .calculator-grid,
  .utility-grid,
  .review-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .carousel-track,
  .carousel-slide img {
    min-height: 300px;
  }

  .carousel-slide figcaption {
    position: static;
    color: var(--navy);
    background: var(--white);
    border: 0;
    border-top: 1px solid var(--line);
    border-radius: 0;
  }

  .carousel-overlay-controls {
    inset: 42% 0.75rem auto 0.75rem;
  }

  .brand-card {
    padding: 1.25rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.001ms !important;
    animation-duration: 0.001ms !important;
  }

  .reveal {
    opacity: 1;
    transform: none;
  }
}