/* ═══════════════════════════════════════════════════════════
   MERIVANE INTERNATIONAL — Shared Stylesheet
   Theme: Light/dark blend · Traditional offshore private bank
   Fonts: Cormorant Garamond · Cormorant SC · Jost
   ═══════════════════════════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;0,600;1,300;1,400;1,500&family=Cormorant+SC:wght@300;400;500;600&family=Jost:wght@300;400;500;600&display=swap');

/* ── DESIGN TOKENS ── */
:root {
  --ink:             #1A1510;
  --navy:            #0D1B2A;
  --navy-mid:        #14263A;
  --parchment:       #F5F0E8;
  --cream:           #FAFAF7;
  --white:           #FFFFFF;
  --champagne:       #C9A84C;
  --champagne-light: #E8D5A3;
  --champagne-pale:  #F5EDD6;
  --stone:           #8A7F72;
  --warm-gray:       #E3DDD5;
  --light-bg:        #F4F2EE;
  --section-alt:     #EEE9E0;
  --deep-brown:      #2C1F0E;
  --mid-dark:        #1B2D3E;

  --ease: cubic-bezier(0.25,0.46,0.45,0.94);
  --section-v: clamp(4rem, 8vw, 9rem);
  --section-h: clamp(1.25rem, 5vw, 8rem);
}

/* ── RESET ── */
*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; -webkit-text-size-adjust:100%; }
img, svg { display:block; max-width:100%; }
a { color:inherit; text-decoration:none; }
button { cursor:pointer; border:none; background:none; font:inherit; }
ul, ol { list-style:none; }

/* ── BASE ── */
body {
  font-family: 'Jost', sans-serif;
  background: var(--cream);
  color: var(--ink);
  overflow-x: hidden;
  line-height: 1.6;
}

/* ══════════════════════════════════════════════
   NAVIGATION
══════════════════════════════════════════════ */
.site-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 9000;
  background: rgba(250,250,247,0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201,168,76,0.2);
  transition: background 0.4s var(--ease), box-shadow 0.4s;
}
.site-nav.nav-dark {
  background: rgba(13,27,42,0.97);
}
.site-nav.nav-scrolled {
  box-shadow: 0 4px 30px rgba(26,21,16,0.1);
}

.nav-inner {
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 var(--section-h);
  height: 80px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

/* Logo */
.nav-logo {
  flex-shrink: 0;
  display: flex;
  align-items: center;
}
.nav-logo img {
  height: 48px;
  width: auto;
  object-fit: contain;
}

/* Desktop nav links */
.nav-menu {
  display: flex;
  gap: 0.25rem;
  align-items: center;
  flex: 1;
  justify-content: center;
}
.nav-item { position: relative; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.5rem 1rem;
  font-size: 0.78rem;
  font-weight: 400;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink);
  transition: color 0.3s;
  white-space: nowrap;
}
.nav-dark .nav-link { color: rgba(245,240,232,0.75); }
.nav-link:hover,
.nav-dark .nav-link:hover { color: var(--champagne); }
.nav-link .chevron {
  font-size: 0.5rem;
  transition: transform 0.25s;
  opacity: 0.6;
}
.nav-item:hover .chevron { transform: rotate(180deg); }

/* Dropdown */
.nav-dropdown {
  position: absolute;
  top: calc(100% + 0.5rem);
  left: 50%;
  transform: translateX(-50%) translateY(-6px);
  background: var(--navy);
  min-width: 230px;
  padding: 0.75rem 0;
  border-top: 2px solid var(--champagne);
  opacity: 0;
  visibility: hidden;
  transition: all 0.25s var(--ease);
  box-shadow: 0 20px 50px rgba(13,27,42,0.3);
}
.nav-item:hover .nav-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.nav-dropdown a {
  display: block;
  padding: 0.75rem 1.6rem;
  font-size: 0.77rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(245,240,232,0.65);
  transition: all 0.2s;
}
.nav-dropdown a:hover {
  color: var(--champagne);
  padding-left: 2.1rem;
  background: rgba(201,168,76,0.06);
}

/* Nav actions */
.nav-actions {
  display: flex;
  gap: 0.75rem;
  align-items: center;
  flex-shrink: 0;
}
.btn-nav-ghost {
  padding: 0.55rem 1.4rem;
  border: 1px solid var(--champagne);
  color: var(--champagne);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  transition: all 0.3s;
  white-space: nowrap;
}
.btn-nav-ghost:hover { background: var(--champagne); color: var(--ink); }
.btn-nav-solid {
  padding: 0.6rem 1.6rem;
  background: var(--champagne);
  color: var(--ink);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  transition: all 0.3s;
  white-space: nowrap;
}
.btn-nav-solid:hover { background: var(--champagne-light); }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 0.5rem;
  z-index: 10;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--ink);
  border-radius: 1px;
  transition: all 0.3s var(--ease);
}
.nav-dark .hamburger span { background: var(--parchment); }
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: translateX(-8px); }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* Mobile drawer */
.mobile-drawer {
  display: none;
  position: fixed;
  inset: 0;
  background: var(--navy);
  z-index: 8999;
  padding: 6rem 0 3rem;
  overflow-y: auto;
  opacity: 0;
  transform: translateX(100%);
  transition: opacity 0.35s var(--ease), transform 0.35s var(--ease);
}
.mobile-drawer.open {
  opacity: 1;
  transform: translateX(0);
}

/* Drawer logo */
.mobile-drawer-logo {
  display: block;
  padding: 0 1.5rem;
  margin-bottom: 2rem;
}
.mobile-drawer-logo img {
  height: 40px;
  width: auto;
  filter: brightness(1.1);
}

/* Each section (collapsible group) */
.mobile-nav-section {
  border-bottom: 1px solid rgba(201,168,76,0.12);
}

/* The toggle button row */
.mobile-nav-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 1.1rem 1.5rem;
  background: none;
  border: none;
  cursor: pointer;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.7rem;
  font-weight: 300;
  color: var(--parchment);
  text-align: left;
  line-height: 1.2;
  transition: color 0.2s;
  -webkit-tap-highlight-color: transparent;
}
.mobile-nav-toggle:hover,
.mobile-nav-toggle.active { color: var(--champagne); }

/* Chevron icon */
.m-chevron {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  flex-shrink: 0;
  border: 1px solid rgba(201,168,76,0.25);
  font-size: 1rem;
  line-height: 1;
  color: var(--champagne);
  transition: transform 0.25s var(--ease), background 0.2s;
  font-style: normal;
}
.mobile-nav-toggle.active .m-chevron {
  transform: rotate(45deg);
  background: rgba(201,168,76,0.1);
}

/* Sub-link drawer (collapsed by default) */
.mobile-sub-links {
  display: none;
  padding: 0.25rem 0 1rem 1.5rem;
  background: rgba(0,0,0,0.15);
  border-top: 1px solid rgba(201,168,76,0.07);
}
.mobile-sub-links.open { display: block; }

.mobile-sub-links a {
  display: block;
  padding: 0.75rem 1rem;
  font-size: 0.8rem;
  font-weight: 400;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(245,240,232,0.5);
  border-left: 2px solid transparent;
  transition: color 0.2s, border-color 0.2s, padding-left 0.2s;
}
.mobile-sub-links a:hover {
  color: var(--champagne);
  border-left-color: var(--champagne);
  padding-left: 1.4rem;
}

/* Plain nav links (About, Contact) */
.mobile-nav-plain {
  display: block;
  padding: 1.1rem 1.5rem;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.7rem;
  font-weight: 300;
  color: var(--parchment);
  border-bottom: 1px solid rgba(201,168,76,0.12);
  transition: color 0.2s;
  -webkit-tap-highlight-color: transparent;
}
.mobile-nav-plain:hover { color: var(--champagne); }

/* CTA buttons at bottom */
.mobile-actions {
  padding: 2rem 1.5rem 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
}
.mobile-actions .btn-gold,
.mobile-actions .btn-ghost-light {
  display: block;
  text-align: center;
  width: 100%;
}

/* ══════════════════════════════════════════════
   GLOBAL BUTTONS
══════════════════════════════════════════════ */
.btn-gold {
  display: inline-block;
  padding: 0.95rem 2.5rem;
  background: var(--champagne);
  color: var(--ink);
  font-family: 'Jost', sans-serif;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  transition: all 0.35s var(--ease);
}
.btn-gold:hover {
  background: var(--champagne-light);
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(201,168,76,0.3);
}
.btn-ghost-light {
  display: inline-block;
  padding: 0.95rem 2.2rem;
  border: 1px solid rgba(245,240,232,0.35);
  color: rgba(245,240,232,0.8);
  font-size: 0.8rem;
  font-weight: 400;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  transition: all 0.3s;
}
.btn-ghost-light:hover { border-color: var(--champagne); color: var(--champagne); }
.btn-ghost-dark {
  display: inline-block;
  padding: 0.95rem 2.2rem;
  border: 1px solid rgba(26,21,16,0.3);
  color: var(--ink);
  font-size: 0.8rem;
  font-weight: 400;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  transition: all 0.3s;
}
.btn-ghost-dark:hover { border-color: var(--champagne); color: var(--champagne); }
.btn-ink {
  display: inline-block;
  padding: 0.95rem 2.5rem;
  background: var(--navy);
  color: var(--champagne);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  transition: all 0.3s;
}
.btn-ink:hover { background: var(--mid-dark); }

/* ══════════════════════════════════════════════
   TYPOGRAPHY HELPERS
══════════════════════════════════════════════ */
.eyebrow {
  font-size: 0.68rem;
  font-weight: 400;
  letter-spacing: 0.42em;
  text-transform: uppercase;
  color: var(--champagne);
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.5rem;
}
.eyebrow::before {
  content: '';
  display: block;
  width: 32px; height: 1px;
  background: var(--champagne);
  flex-shrink: 0;
}

.display-title {
  font-family: 'Cormorant Garamond', serif;
  font-weight: 300;
  line-height: 1.1;
}
.display-title em { font-style: italic; color: var(--champagne-light); }

.section-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 300;
  line-height: 1.2;
  color: var(--ink);
}
.section-title em { font-style: italic; color: var(--stone); }
.section-title--light { color: var(--parchment); }
.section-title--light em { color: var(--champagne-light); }

.body-text {
  font-size: clamp(1.1rem, 1.5vw, 1.1rem);
  font-weight: 300;
  line-height: 1.9;
  color: var(--stone);
}
.body-text--light { color: rgba(245,240,232,0.6); }

/* ══════════════════════════════════════════════
   LAYOUT HELPERS
══════════════════════════════════════════════ */
.container {
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 var(--section-h);
}

.section-pad {
  padding: var(--section-v) var(--section-h);
}

.section-pad--sm {
  padding: clamp(3rem, 5vw, 6rem) var(--section-h);
}

/* ══════════════════════════════════════════════
   MARQUEE STRIP
══════════════════════════════════════════════ */
.marquee-strip {
  background: var(--navy);
  padding: 1rem 0;
  overflow: hidden;
  border-top: 1px solid rgba(201,168,76,0.2);
  border-bottom: 1px solid rgba(201,168,76,0.2);
}
.marquee-track {
  display: flex;
  white-space: nowrap;
  animation: marquee 32s linear infinite;
}
.marquee-track:hover { animation-play-state: paused; }
.marquee-item {
  display: inline-flex;
  align-items: center;
  gap: 1.5rem;
  padding: 0 2.5rem;
  font-size: 0.68rem;
  font-weight: 300;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: rgba(245,240,232,0.45);
  flex-shrink: 0;
}
.marquee-diamond { color: var(--champagne); font-size: 0.45rem; }
@keyframes marquee {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ══════════════════════════════════════════════
   STATS BAR
══════════════════════════════════════════════ */
.stats-bar {
  background: var(--champagne);
  padding: 2.5rem var(--section-h);
}
.stats-bar-inner {
  max-width: 1440px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.stat-item {
  padding: 0 2rem;
  border-right: 1px solid rgba(26,21,16,0.2);
}
.stat-item:first-child { padding-left: 0; }
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: 'Cormorant SC', serif;
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  font-weight: 400;
  color: var(--ink);
  line-height: 1;
  margin-bottom: 0.35rem;
}
.stat-label {
  font-size: 0.68rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--deep-brown);
  opacity: 0.7;
}

/* ══════════════════════════════════════════════
   SECTION DIVIDERS / ORNAMENTS
══════════════════════════════════════════════ */
.gold-rule {
  height: 1px;
  background: linear-gradient(to right, transparent, var(--champagne) 30%, var(--champagne) 70%, transparent);
  opacity: 0.35;
  margin: 0;
}
.ornament-center {
  text-align: center;
  font-size: 0.6rem;
  letter-spacing: 0.6em;
  color: var(--champagne);
  padding: 1rem 0;
  opacity: 0.6;
}

/* ══════════════════════════════════════════════
   TEAM / PERSON CARDS
══════════════════════════════════════════════ */
.person-card { position: relative; overflow: hidden; cursor: pointer; }
.person-photo {
  width: 100%;
  aspect-ratio: 3/4;
  background-size: cover;
  background-position: top center;
  transition: transform 0.6s var(--ease);
  filter: grayscale(15%);
}
.person-card:hover .person-photo {
  transform: scale(1.04);
  filter: grayscale(0%);
}
.person-info { padding: 1.4rem 0 0; }
.person-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.2rem;
  font-weight: 400;
  color: var(--ink);
  margin-bottom: 0.25rem;
}
.person-title {
  font-size: 0.7rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--stone);
}
.person-gold-line {
  width: 0; height: 1px;
  background: var(--champagne);
  transition: width 0.4s var(--ease);
  margin-top: 0.75rem;
}
.person-card:hover .person-gold-line { width: 100%; }

/* ══════════════════════════════════════════════
   CTA STRIP (Reusable)
══════════════════════════════════════════════ */
.cta-strip {
  background: var(--champagne);
  padding: clamp(3rem,6vw,5rem) var(--section-h);
}
.cta-strip-inner {
  max-width: 1440px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 3rem;
  flex-wrap: wrap;
}
.cta-strip-text {}
.cta-strip-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(1.6rem, 3vw, 2.3rem);
  font-weight: 300;
  color: var(--ink);
  line-height: 1.3;
}
.cta-strip-title em { font-style: italic; }
.cta-strip-body {
  font-size: 1.1rem;
  font-weight: 300;
  line-height: 1.75;
  color: rgba(26,21,16,0.65);
  margin-top: 0.6rem;
  max-width: 520px;
}

/* ══════════════════════════════════════════════
   FOOTER
══════════════════════════════════════════════ */
.site-footer {
  background: #000;
  padding: clamp(4rem,8vw,7rem) var(--section-h) 0;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: clamp(2rem, 4vw, 5rem);
  padding-bottom: clamp(3rem,6vw,5rem);
  border-bottom: 1px solid rgba(201,168,76,0.15);
  margin-bottom: 2.5rem;
}
.footer-brand-logo {
  width: 200px;
  height: auto;
  margin-bottom: 1.5rem;
  filter: brightness(1.1);
}
.footer-slogan {
  font-family: 'Cormorant Garamond', serif;
  font-size: 0.88rem;
  font-style: italic;
  letter-spacing: 0.06em;
  color: var(--champagne);
  margin-bottom: 1.2rem;
  opacity: 0.9;
}
.footer-tagline {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1rem;
  font-style: italic;
  line-height: 1.7;
  color: #fff;
  margin-bottom: 1.8rem;
}
.footer-reg {
  font-size: 1rem;
  font-weight: 300;
  color: #fff;
  line-height: 1.65;
}
.footer-col-title {
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--champagne);
  margin-bottom: 1.8rem;
}
.footer-links li { margin-bottom: 0.85rem; }
.footer-links a {
  font-size: 0.83rem;
  font-weight: 300;
  color: #fff;
  transition: color 0.3s;
}
.footer-links a:hover { color: var(--champagne); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  padding: 2rem 0;
  border-top: 1px solid rgba(201,168,76,0.1);
}
.footer-copy {
  font-size: 0.72rem;
  font-weight: 300;
  color: rgba(245,240,232,1);
}
.footer-legal-links {
  display: flex;
  gap: 2rem;
  flex-wrap: wrap;
}
.footer-legal-links a {
  font-size: 0.7rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(245,240,232,1);
  transition: color 0.3s;
}
.footer-legal-links a:hover { color: var(--champagne); }

/* ══════════════════════════════════════════════
   SCROLL REVEAL
══════════════════════════════════════════════ */
.reveal {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-d1 { transition-delay: 0.1s; }
.reveal-d2 { transition-delay: 0.2s; }
.reveal-d3 { transition-delay: 0.3s; }
.reveal-d4 { transition-delay: 0.4s; }

/* ══════════════════════════════════════════════
   PAGE HERO — Full-bleed split (reusable)
══════════════════════════════════════════════ */
.page-hero {
  margin-top: 80px;
  position: relative;
  min-height: clamp(560px, 88vh, 900px);
  overflow: hidden;
}
.page-hero-photo {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center 20%;
}
.page-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, rgba(13,27,42,0.91) 45%, rgba(13,27,42,0.35) 100%);
}
.page-hero-content {
  position: relative;
  z-index: 2;
  padding: clamp(4rem,10vh,9rem) var(--section-h);
  max-width: 1440px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  min-height: inherit;
}
.page-hero-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2.8rem, 6vw, 5.5rem);
  font-weight: 300;
  line-height: 1.05;
  color: var(--parchment);
  max-width: 700px;
  margin-bottom: 1.8rem;
}
.page-hero-title em { font-style: italic; color: var(--champagne-light); }
.page-hero-body {
  font-size: clamp(0.88rem, 1.5vw, 1.1rem);
  font-weight: 300;
  line-height: 1.85;
  color: rgba(245,240,232,0.65);
  max-width: 480px;
  margin-bottom: 3rem;
}
.hero-cta-row { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ══════════════════════════════════════════════
   INTRO SECTION (split photo+text)
══════════════════════════════════════════════ */
.intro-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 640px;
}
.intro-split-photo { position: relative; overflow: hidden; }
.intro-split-photo-img {
  width: 100%; height: 100%;
  background-size: cover;
  background-position: center top;
  transition: transform 0.6s var(--ease);
}
.intro-split-photo:hover .intro-split-photo-img { transform: scale(1.03); }
.intro-split-photo-caption {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  padding: 3rem 2.5rem;
  background: linear-gradient(to top, rgba(13,27,42,0.75), transparent);
  font-size: 0.68rem;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: rgba(245,240,232,0.7);
}
.intro-split-content {
  background: var(--navy);
  padding: clamp(3rem,6vw,7rem) clamp(2rem,5vw,6rem);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.feature-list { margin-top: 2rem; }
.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 1.1rem;
  padding: 1rem 0;
  border-bottom: 1px solid rgba(201,168,76,0.1);
  font-size: 0.88rem;
  font-weight: 300;
  color: rgba(245,240,232,0.6);
  line-height: 1.6;
}
.feature-list li:last-child { border-bottom: none; }
.fl-icon { color: var(--champagne); flex-shrink: 0; margin-top: 0.15rem; font-size: 0.6rem; }

/* ══════════════════════════════════════════════
   SERVICE CARDS GRID
══════════════════════════════════════════════ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5px;
  background: rgba(201,168,76,0.15);
}
.service-card {
  background: var(--navy);
  padding: clamp(2rem,4vw,3.5rem) clamp(1.5rem,3vw,3rem);
  transition: background 0.3s;
  position: relative;
  overflow: hidden;
}
.service-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 0; height: 2px;
  background: var(--champagne);
  transition: width 0.4s var(--ease);
}
.service-card:hover::after { width: 100%; }
.service-card:hover { background: rgba(201,168,76,0.07); }
.service-number {
  font-family: 'Cormorant SC', serif;
  font-size: 0.8rem;
  letter-spacing: 0.2em;
  color: var(--champagne);
  opacity: 0.45;
  margin-bottom: 1.8rem;
}
.service-icon-wrap {
  width: 48px; height: 48px;
  border: 1px solid rgba(201,168,76,0.3);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.8rem;
  font-size: 1.3rem;
  transition: all 0.3s;
}
.service-card:hover .service-icon-wrap { border-color: var(--champagne); background: rgba(201,168,76,0.1); }
.service-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(1.2rem, 2vw, 1.55rem);
  font-weight: 400;
  color: var(--parchment);
  margin-bottom: 0.9rem;
  line-height: 1.3;
}
.service-desc {
  font-size: 1.1rem;
  font-weight: 300;
  line-height: 1.75;
  color: rgba(245,240,232,0.48);
  margin-bottom: 1.8rem;
}
.service-link {
  font-size: 0.72rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--champagne);
  display: flex; align-items: center; gap: 0.7rem;
  transition: gap 0.3s;
}
.service-link:hover { gap: 1.2rem; }

/* ══════════════════════════════════════════════
   PILLARS / PRINCIPLES
══════════════════════════════════════════════ */
.pillars-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border: 1px solid var(--warm-gray);
}
.pillar {
  padding: clamp(2rem,4vw,3.5rem) clamp(1.5rem,3vw,3rem);
  border-right: 1px solid var(--warm-gray);
  transition: background 0.3s;
}
.pillar:last-child { border-right: none; }
.pillar:hover { background: var(--white); }
.pillar-num {
  font-family: 'Cormorant SC', serif;
  font-size: 2.2rem;
  font-weight: 300;
  color: var(--champagne);
  opacity: 0.3;
  margin-bottom: 1.3rem;
  line-height: 1;
}
.pillar-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.35rem;
  font-weight: 400;
  color: var(--ink);
  margin-bottom: 0.9rem;
}
.pillar-desc { font-size: 1.1rem; font-weight: 300; line-height: 1.8; color: var(--stone); }

/* ══════════════════════════════════════════════
   TESTIMONIALS
══════════════════════════════════════════════ */
.testimonials-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 2rem; }
.testimonial-card {
  padding: clamp(2rem,4vw,3.5rem);
  border: 1px solid rgba(201,168,76,0.15);
  transition: border-color 0.3s;
}
.testimonial-card:hover { border-color: rgba(201,168,76,0.45); }
.t-quote-mark {
  font-family: 'Cormorant Garamond', serif;
  font-size: 4.5rem; line-height: 0.6;
  color: var(--champagne); opacity: 0.25;
  margin-bottom: 1.4rem;
}
.t-text {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(1rem, 1.5vw, 1.2rem);
  font-weight: 300; font-style: italic;
  line-height: 1.7;
  color: rgba(245,240,232,0.78);
  margin-bottom: 2rem;
}
.t-author { display: flex; align-items: center; gap: 1.1rem; }
.t-avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  background-size: cover;
  background-position: top center;
  flex-shrink: 0;
  border: 2px solid rgba(201,168,76,0.3);
}
.t-name { font-size: 0.84rem; font-weight: 500; color: var(--parchment); margin-bottom: 0.15rem; }
.t-role { font-size: 0.68rem; letter-spacing: 0.15em; text-transform: uppercase; color: var(--champagne); opacity: 0.7; }

/* ══════════════════════════════════════════════
   SOLUTION ROWS (wide accordion-style)
══════════════════════════════════════════════ */
.solution-row {
  display: grid;
  grid-template-columns: 70px 1fr 1fr;
  gap: 3rem;
  padding: 2.8rem 0;
  border-bottom: 1px solid rgba(201,168,76,0.12);
  transition: padding-left 0.3s;
  cursor: pointer;
}
.solution-row:last-child { border-bottom: none; }
.solution-row:hover { padding-left: 0.75rem; }
.sol-num { font-family:'Cormorant SC',serif; font-size:1.3rem; color:var(--champagne); opacity:0.4; padding-top:0.3rem; }
.sol-name { font-family:'Cormorant Garamond',serif; font-size:clamp(1.3rem,2.5vw,1.6rem); font-weight:400; color:var(--parchment); margin-bottom:0.6rem; }
.sol-short { font-size:0.84rem; font-weight:300; color:rgba(245,240,232,0.5); line-height:1.7; }
.sol-tags { display:flex; flex-wrap:wrap; gap:0.45rem; align-content:flex-start; }
.sol-tag { padding:0.3rem 0.9rem; border:1px solid rgba(201,168,76,0.25); font-size:0.68rem; letter-spacing:0.14em; text-transform:uppercase; color:rgba(201,168,76,0.7); }

/* ══════════════════════════════════════════════
   CONTACT FORM
══════════════════════════════════════════════ */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.form-group { display: flex; flex-direction: column; gap: 0.5rem; }
.form-group label { font-size: 0.72rem; letter-spacing: 0.22em; text-transform: uppercase; color: var(--stone); }
.form-input, .form-select, .form-textarea {
  padding: 0.9rem 1.2rem;
  background: var(--white);
  border: 1px solid var(--warm-gray);
  color: var(--ink);
  font-family: 'Jost', sans-serif;
  font-size: 0.9rem;
  font-weight: 300;
  transition: border-color 0.3s;
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none;
  border-color: var(--champagne);
}
.form-textarea { resize: vertical; min-height: 130px; }
.form-full { grid-column: 1 / -1; }

/* ══════════════════════════════════════════════
   BREADCRUMB
══════════════════════════════════════════════ */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.72rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: rgba(245,240,232,0.45);
  margin-bottom: 2rem;
}
.breadcrumb a { color: rgba(245,240,232,0.45); transition: color 0.2s; }
.breadcrumb a:hover { color: var(--champagne); }
.breadcrumb-sep { opacity: 0.3; }
.breadcrumb-current { color: var(--champagne); }

/* ══════════════════════════════════════════════
   RESPONSIVE — TABLET (≤1024px)
══════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .nav-menu, .nav-actions { display: none; }
  .hamburger { display: flex; }
  .mobile-drawer { display: block; }

  .intro-split { grid-template-columns: 1fr; }
  .intro-split-photo { min-height: 420px; }

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

  .stats-bar-inner { grid-template-columns: repeat(2,1fr); gap: 1rem 0; }
  .stat-item { padding: 1rem 1.5rem; }
  .stat-item:nth-child(2) { border-right: none; }
  .stat-item:nth-child(3) { border-right: 1px solid rgba(26,21,16,0.2); border-top: 1px solid rgba(26,21,16,0.1); }
  .stat-item:nth-child(4) { border-right: none; border-top: 1px solid rgba(26,21,16,0.1); }

  .pillars-grid { grid-template-columns: 1fr; }
  .pillar { border-right: none; border-bottom: 1px solid var(--warm-gray); }
  .pillar:last-child { border-bottom: none; }

  .testimonials-grid { grid-template-columns: 1fr; gap: 1.5rem; }

  .footer-top { grid-template-columns: 1fr 1fr; gap: 3rem; }

  .solution-row { grid-template-columns: 50px 1fr; }
  .sol-tags { display: none; }
}

/* ══════════════════════════════════════════════
   RESPONSIVE — MOBILE (≤768px)
══════════════════════════════════════════════ */
@media (max-width: 768px) {
  :root {
    --section-h: 1.25rem;
    --section-v: 4rem;
  }

  .nav-inner { height: 68px; }
  .nav-logo img { height: 38px; }

  .page-hero { margin-top: 68px; }
  .page-hero-title { font-size: clamp(2rem,8vw,3rem); }

  .services-grid { grid-template-columns: 1fr; }

  .stats-bar-inner { grid-template-columns: repeat(2,1fr); }

  .hero-cta-row { flex-direction: column; align-items: flex-start; }
  .hero-cta-row .btn-gold,
  .hero-cta-row .btn-ghost-light { width: 100%; text-align: center; }

  .cta-strip-inner { flex-direction: column; align-items: flex-start; }
  .cta-strip-inner .btn-ink,
  .cta-strip-inner .btn-gold { width: 100%; text-align: center; }

  .footer-top { grid-template-columns: 1fr; gap: 2.5rem; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .footer-legal-links { gap: 1.2rem; }

  .form-row { grid-template-columns: 1fr; }

  .solution-row { grid-template-columns: 40px 1fr; gap: 1.2rem; }

  .person-photo { aspect-ratio: 4/3; }
}

@media (max-width: 480px) {
  .stats-bar-inner { grid-template-columns: 1fr 1fr; }
  .stat-item { padding: 0.75rem 1rem; }
}

/* ══════════════════════════════════════════════
   HOMEPAGE — Hero Slider
══════════════════════════════════════════════ */
.hero-slider-wrap {
  margin-top: 80px;
  position: relative;
  height: 100vh;
  min-height: 600px;
  overflow: hidden;
}
.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  transition: opacity 1.4s ease-in-out;
  display: flex;
  align-items: center;
}
.hero-slide.active { opacity: 1; z-index: 1; }

.slide-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center 25%;
  transition: transform 8s ease;
}
.hero-slide.active .slide-bg { transform: scale(1.04); }

.slide-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg,
    rgba(13,27,42,0.88) 0%,
    rgba(13,27,42,0.55) 55%,
    rgba(13,27,42,0.15) 100%);
}
.slide-overlay-bottom {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 30%;
  background: linear-gradient(to top, rgba(13,27,42,0.5), transparent);
}

.slide-content {
  position: relative;
  z-index: 2;
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 var(--section-h);
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.slide-eyebrow {
  font-size: 0.68rem;
  font-weight: 400;
  letter-spacing: 0.42em;
  text-transform: uppercase;
  color: var(--champagne);
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.8rem;
}
.slide-eyebrow::before { content:''; width:32px; height:1px; background:var(--champagne); flex-shrink:0; }
.slide-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2.4rem, 5vw, 5rem);
  font-weight: 300;
  line-height: 1.08;
  color: var(--parchment);
  margin-bottom: 1.8rem;
}
.slide-title em { font-style: italic; color: var(--champagne-light); }
.slide-body {
  font-size: clamp(0.88rem, 1.5vw, 1rem);
  font-weight: 300;
  line-height: 1.85;
  color: rgba(245,240,232,0.65);
  max-width: 440px;
  margin-bottom: 3rem;
}
.slide-cta { display:flex; gap:1rem; flex-wrap:wrap; }

/* Floating info cards */
.slide-visual {
  position: relative;
  height: 480px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 1.2rem;
}
.info-card {
  background: rgba(255,255,255,0.07);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: 2px;
  padding: 1.6rem 2rem;
  box-shadow: 0 16px 50px rgba(13,27,42,0.3);
  transition: transform 0.3s;
  max-width: 320px;
}
.info-card:nth-child(2) { margin-left: 3rem; }
.info-card:nth-child(3) { margin-left: 1rem; }
.info-card:hover { transform: translateY(-4px); }
.info-card-label { font-size:0.68rem; letter-spacing:0.25em; text-transform:uppercase; color:rgba(201,168,76,0.7); margin-bottom:0.5rem; }
.info-card-value { font-family:'Cormorant SC',serif; font-size:1.6rem; color:var(--parchment); line-height:1; }

/* Slider dot controls */
.slider-controls {
  position: absolute;
  bottom: 2.5rem;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 0.75rem;
  z-index: 10;
}
.hero-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: rgba(245,240,232,0.3);
  cursor: pointer;
  transition: all 0.3s;
  border: none;
}
.hero-dot.active {
  width: 36px;
  border-radius: 5px;
  background: var(--champagne);
}

/* ── HOMEPAGE — Intro Section ── */
.intro-section { padding: var(--section-v) var(--section-h); background: var(--white); }
.intro-inner {
  max-width: 1440px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: clamp(3rem, 7vw, 9rem);
  align-items: center;
}
.intro-photo-wrap { position: relative; }
.intro-photo-main {
  width: 100%;
  height: clamp(380px, 55vw, 560px);
  background: url('../images/intro1.jpg') center top / cover no-repeat;
}
.intro-photo-inset {
  position: absolute;
  bottom: -2.5rem; right: -2.5rem;
  width: 180px; height: 230px;
  background: url('https://images.unsplash.com/photo-1507003211169-0a1dd7228f2d?w=400&q=80&auto=format&fit=crop') center top / cover no-repeat;
  border: 4px solid var(--white);
  box-shadow: 0 16px 50px rgba(26,21,16,0.15);
}
.intro-badge {
  position: absolute;
  top: -1.5rem; left: -1.5rem;
  width: 100px; height: 100px;
  background: var(--champagne);
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  box-shadow: 0 8px 30px rgba(201,168,76,0.35);
}
.badge-num { font-family:'Cormorant SC',serif; font-size:1.9rem; font-weight:400; color:var(--ink); line-height:1; }
.badge-label { font-size:0.55rem; letter-spacing:0.18em; text-transform:uppercase; color:var(--deep-brown); text-align:center; margin-top:0.25rem; line-height:1.3; }
.intro-signature {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.4rem; font-style: italic;
  color: var(--champagne);
  margin-top: 2.5rem; padding-top: 2rem;
  border-top: 1px solid var(--warm-gray);
}
.intro-sig-name { font-family:'Jost',sans-serif; font-size:0.7rem; letter-spacing:0.2em; text-transform:uppercase; color:var(--stone); margin-top:0.35rem; font-style:normal; }

/* ── HOMEPAGE — Services ── */
.services-section { background: var(--navy); padding: var(--section-v) var(--section-h); }
.services-inner { max-width:1440px; margin:0 auto; }
.services-header {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 5vw, 7rem);
  align-items: end;
  margin-bottom: 4rem;
}
.services-header-desc { font-size:1.1rem; font-weight:300; line-height:1.85; color:rgba(245,240,232,0.5); padding-top:1rem; border-top:1px solid rgba(201,168,76,0.2); }

/* ── HOMEPAGE — Team ── */
.team-section { padding: var(--section-v) var(--section-h); background: var(--light-bg); }
.team-inner { max-width:1440px; margin:0 auto; }
.team-header { display:grid; grid-template-columns:1.2fr 1fr; gap:5rem; align-items:end; margin-bottom:3.5rem; }
.team-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:1.5rem; }

/* ── HOMEPAGE — Pillars ── */
.pillars-section { padding: var(--section-v) var(--section-h); background: var(--white); }
.pillars-inner { max-width:1440px; margin:0 auto; }
.pillars-top {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: clamp(3rem,7vw,10rem);
  align-items: center;
  margin-bottom: 4rem;
}
.pillars-photo {
  width: 100%;
  height: clamp(360px,48vw,520px);
  background: url('../images/global_wealth.png') center/cover no-repeat;
  position: relative;
}
.pillars-photo::after {
  content: '';
  position: absolute; bottom:-1px; right:-1px;
  width:48px; height:48px;
  border-right:3px solid var(--champagne);
  border-bottom:3px solid var(--champagne);
}
.pillars-pullquote {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(1.2rem,2.5vw,1.9rem);
  font-weight: 300; font-style: italic;
  line-height: 1.55; color: var(--ink);
  margin-bottom: 2rem;
  padding-left: 1.8rem;
  border-left: 3px solid var(--champagne);
}

/* ── HOMEPAGE — Testimonials ── */
.testimonials-section { background: var(--navy); padding: var(--section-v) var(--section-h); }
.testimonials-inner { max-width:1440px; margin:0 auto; }

/* ── HOMEPAGE — Global Reach ── */
.reach-section { background: var(--light-bg); padding: var(--section-v) var(--section-h); }
.reach-inner { max-width:1440px; margin:0 auto; }
.reach-grid { display:grid; grid-template-columns:1fr 1fr; gap:clamp(3rem,6vw,8rem); align-items:center; }
.reach-stats { display:grid; grid-template-columns:1fr 1fr; gap:1.5rem; margin-top:2.5rem; }
.reach-stat { padding:2rem; border:1px solid var(--warm-gray); background:var(--white); transition:border-color 0.3s; }
.reach-stat:hover { border-color:var(--champagne); }
.reach-stat-num { font-family:'Cormorant SC',serif; font-size:2.2rem; color:var(--champagne); line-height:1; margin-bottom:0.35rem; }
.reach-stat-label { font-size:0.72rem; letter-spacing:0.18em; text-transform:uppercase; color:var(--stone); }
.reach-photo {
  width:100%;
  height: clamp(380px,50vw,560px);
  background: url('https://images.unsplash.com/photo-1486325212027-8081e485255e?w=900&q=80&auto=format&fit=crop') center/cover no-repeat;
  position: relative;
}
.reach-photo::before {
  content: '';
  position: absolute; top:-1px; left:-1px;
  width:48px; height:48px;
  border-top:3px solid var(--champagne);
  border-left:3px solid var(--champagne);
}

/* ── HOMEPAGE — Responsive ── */
@media (max-width:1024px) {
  .hero-slider-wrap { margin-top:68px; }
  .slide-content { grid-template-columns:1fr; }
  .slide-visual { display:none; }
  .intro-inner { grid-template-columns:1fr; }
  .intro-photo-inset { display:none; }
  .services-header { grid-template-columns:1fr; }
  .team-header { grid-template-columns:1fr; }
  .team-grid { grid-template-columns:repeat(2,1fr); }
  .pillars-top { grid-template-columns:1fr; }
  .pillars-photo { height:300px; }
  .reach-grid { grid-template-columns:1fr; }
}
@media (max-width:768px) {
  .hero-slider-wrap { min-height:100svh; }
  .team-grid { grid-template-columns:1fr 1fr; }
  .reach-stats { grid-template-columns:1fr 1fr; }
}
@media (max-width:480px) {
  .team-grid { grid-template-columns:1fr; }
}

/* ══════════════════════════════════════════════
   PAGE: About
══════════════════════════════════════════════ */
/* ── HERITAGE INTRO ── */
    .heritage-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: clamp(4rem, 8vw, 10rem);
      align-items: center;
      max-width: 1440px;
      margin: 0 auto;
      padding: var(--section-v) var(--section-h);
    }
    .heritage-photo-wrap { position: relative; }
    .heritage-photo {
      width: 100%;
      height: clamp(460px, 55vw, 620px);
      background: url('https://images.unsplash.com/photo-1486325212027-8081e485255e?w=900&q=80&auto=format&fit=crop') center / cover no-repeat;
    }
    .heritage-badge {
      position: absolute;
      bottom: -2rem;
      right: -2rem;
      width: 120px; height: 120px;
      background: var(--champagne);
      display: flex; flex-direction: column;
      align-items: center; justify-content: center;
      box-shadow: 0 12px 40px rgba(201,168,76,0.4);
    }
    .hb-year {
      font-family: 'Cormorant SC', serif;
      font-size: 2.2rem;
      font-weight: 400;
      color: var(--ink);
      line-height: 1;
    }
    .hb-label {
      font-size: 0.58rem;
      letter-spacing: 0.18em;
      text-transform: uppercase;
      color: var(--deep-brown);
      text-align: center;
      margin-top: 0.3rem;
      line-height: 1.4;
    }
    .heritage-corner {
      position: absolute;
      top: -1px; left: -1px;
      width: 52px; height: 52px;
      border-top: 3px solid var(--champagne);
      border-left: 3px solid var(--champagne);
    }

    /* ── TIMELINE ── */
    .timeline-section {
      background: var(--navy);
      padding: var(--section-v) var(--section-h);
    }
    .timeline-inner { max-width: 1440px; margin: 0 auto; }
    .timeline {
      position: relative;
      margin-top: 4rem;
      padding-left: 3rem;
    }
    .timeline::before {
      content: '';
      position: absolute;
      left: 0; top: 0; bottom: 0;
      width: 1px;
      background: linear-gradient(to bottom, transparent, var(--champagne) 10%, var(--champagne) 90%, transparent);
      opacity: 0.35;
    }
    .timeline-item {
      position: relative;
      padding: 0 0 3.5rem 2.5rem;
    }
    .timeline-item:last-child { padding-bottom: 0; }
    .timeline-dot {
      position: absolute;
      left: -2.6rem;
      top: 0.4rem;
      width: 10px; height: 10px;
      border-radius: 50%;
      background: var(--champagne);
      box-shadow: 0 0 0 4px rgba(201,168,76,0.15);
    }
    .tl-year {
      font-family: 'Cormorant SC', serif;
      font-size: 0.85rem;
      letter-spacing: 0.2em;
      color: var(--champagne);
      margin-bottom: 0.5rem;
    }
    .tl-title {
      font-family: 'Cormorant Garamond', serif;
      font-size: clamp(1.2rem, 2vw, 1.5rem);
      font-weight: 400;
      color: var(--parchment);
      margin-bottom: 0.6rem;
      line-height: 1.3;
    }
    .tl-desc {
      font-size: 0.88rem;
      font-weight: 300;
      line-height: 1.8;
      color: rgba(245,240,232,0.5);
      max-width: 640px;
    }

    /* ── LEADERSHIP ── */
    .leadership-section {
      background: var(--white);
      padding: var(--section-v) var(--section-h);
    }
    .leadership-inner { max-width: 1440px; margin: 0 auto; }
    .leadership-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 2rem;
      margin-top: 3.5rem;
    }
    .leader-card { position: relative; }
    .leader-photo {
      width: 100%;
      aspect-ratio: 3/4;
      background-size: cover;
      background-position: top center;
      transition: transform 0.6s var(--ease);
      filter: grayscale(10%);
      overflow: hidden;
    }
    .leader-card:hover .leader-photo {
      transform: scale(1.03);
      filter: grayscale(0%);
    }
    .leader-info { padding: 1.4rem 0 0; }
    .leader-name {
      font-family: 'Cormorant Garamond', serif;
      font-size: 1.25rem;
      font-weight: 400;
      color: var(--ink);
      margin-bottom: 0.2rem;
    }
    .leader-title {
      font-size: 0.7rem;
      letter-spacing: 0.18em;
      text-transform: uppercase;
      color: var(--stone);
      margin-bottom: 0.7rem;
    }
    .leader-bio {
      font-size: 0.83rem;
      font-weight: 300;
      line-height: 1.7;
      color: var(--stone);
    }
    .leader-gold-line {
      width: 0; height: 2px;
      background: var(--champagne);
      transition: width 0.4s var(--ease);
      margin-bottom: 0.75rem;
    }
    .leader-card:hover .leader-gold-line { width: 48px; }

    /* ── EXTENDED TEAM (smaller row) ── */
    .extended-team-grid {
      display: grid;
      grid-template-columns: repeat(5, 1fr);
      gap: 1.5rem;
      margin-top: 3rem;
    }
    .et-card { text-align: center; }
    .et-photo {
      width: 90px; height: 90px;
      border-radius: 50%;
      background-size: cover;
      background-position: top center;
      margin: 0 auto 1rem;
      border: 2px solid var(--warm-gray);
      transition: border-color 0.3s;
    }
    .et-card:hover .et-photo { border-color: var(--champagne); }
    .et-name { font-family: 'Cormorant Garamond', serif; font-size: 1rem; color: var(--ink); margin-bottom: 0.2rem; }
    .et-title { font-size: 0.68rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--stone); }

    /* ── VALUES ── */
    .values-section {
      background: var(--light-bg);
      padding: var(--section-v) var(--section-h);
    }
    .values-inner { max-width: 1440px; margin: 0 auto; }
    .values-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 0;
      border: 1px solid var(--warm-gray);
      margin-top: 3.5rem;
    }
    .value-item {
      padding: 3rem 2.5rem;
      border-right: 1px solid var(--warm-gray);
      border-bottom: 1px solid var(--warm-gray);
      transition: background 0.3s;
      position: relative;
    }
    .value-item:hover { background: var(--white); }
    .value-item:nth-child(3n) { border-right: none; }
    .value-item:nth-last-child(-n+3) { border-bottom: none; }
    .value-roman {
      font-family: 'Cormorant SC', serif;
      font-size: 1.8rem;
      font-weight: 300;
      color: var(--champagne);
      opacity: 0.4;
      line-height: 1;
      margin-bottom: 1.2rem;
    }
    .value-title {
      font-family: 'Cormorant Garamond', serif;
      font-size: 1.3rem;
      font-weight: 400;
      color: var(--ink);
      margin-bottom: 0.8rem;
    }
    .value-desc {
      font-size: 0.85rem;
      font-weight: 300;
      line-height: 1.8;
      color: var(--stone);
    }

    /* ── AWARDS / ACCOLADES ── */
    .awards-section {
      background: var(--navy);
      padding: clamp(3rem, 6vw, 5rem) var(--section-h);
    }
    .awards-inner {
      max-width: 1440px;
      margin: 0 auto;
      display: flex;
      align-items: center;
      gap: 4rem;
      flex-wrap: wrap;
    }
    .awards-label {
      font-size: 0.72rem;
      letter-spacing: 0.3em;
      text-transform: uppercase;
      color: var(--champagne);
      flex-shrink: 0;
    }
    .awards-list {
      display: flex;
      gap: 3rem;
      flex-wrap: wrap;
      align-items: center;
    }
    .award-item {
      text-align: center;
      opacity: 0.5;
      transition: opacity 0.3s;
    }
    .award-item:hover { opacity: 1; }
    .award-name {
      font-family: 'Cormorant SC', serif;
      font-size: 0.92rem;
      color: var(--parchment);
      letter-spacing: 0.08em;
    }
    .award-year { font-size: 0.68rem; color: var(--champagne); letter-spacing: 0.15em; margin-top: 0.2rem; }

    /* ── RESPONSIVE ── */
    @media (max-width: 1024px) {
      .heritage-grid { grid-template-columns: 1fr; }
      .heritage-photo { height: 420px; }
      .heritage-badge { right: 1rem; }
      .leadership-grid { grid-template-columns: repeat(2, 1fr); }
      .extended-team-grid { grid-template-columns: repeat(3, 1fr); }
      .values-grid { grid-template-columns: 1fr 1fr; }
      .value-item:nth-child(2n) { border-right: none; }
      .value-item:nth-child(3n) { border-right: 1px solid var(--warm-gray); }
      .value-item:nth-last-child(-n+3) { border-bottom: 1px solid var(--warm-gray); }
      .value-item:nth-last-child(-n+2) { border-bottom: none; }
    }
    @media (max-width: 768px) {
      .leadership-grid { grid-template-columns: 1fr 1fr; }
      .extended-team-grid { grid-template-columns: repeat(2, 1fr); }
      .values-grid { grid-template-columns: 1fr; }
      .value-item { border-right: none !important; border-bottom: 1px solid var(--warm-gray) !important; }
      .value-item:last-child { border-bottom: none !important; }
      .awards-inner { flex-direction: column; align-items: flex-start; gap: 2rem; }
      .awards-list { gap: 1.5rem; }
    }
    @media (max-width: 480px) {
      .leadership-grid { grid-template-columns: 1fr; }
      .extended-team-grid { grid-template-columns: repeat(2, 1fr); }
    }

/* ══════════════════════════════════════════════
   PAGE: Cards
══════════════════════════════════════════════ */
.card-tiers{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;margin-top:2.5rem;}
.card-tier{padding:3rem;border:1px solid var(--warm-gray);background:var(--white);position:relative;transition:all 0.3s;}
.card-tier:hover{border-color:var(--champagne);box-shadow:0 16px 50px rgba(26,21,16,0.08);}
.card-tier.featured{border-color:var(--champagne);background:var(--champagne-pale);}
.tier-badge{position:absolute;top:-1px;left:50%;transform:translateX(-50%);background:var(--champagne);padding:0.35rem 1.2rem;font-size:0.65rem;letter-spacing:0.25em;text-transform:uppercase;color:var(--ink);white-space:nowrap;}
.tier-name{font-family:'Cormorant SC',serif;font-size:1.8rem;color:var(--ink);margin-bottom:0.6rem;margin-top:1rem;}
.tier-type{font-size:0.72rem;letter-spacing:0.2em;text-transform:uppercase;color:var(--stone);margin-bottom:2rem;}
.tier-features{list-style:none;}
.tier-features li{display:flex;align-items:flex-start;gap:0.75rem;padding:0.6rem 0;font-size:0.85rem;font-weight:300;color:var(--stone);border-bottom:1px solid var(--warm-gray);}
.tier-features li:last-child{border-bottom:none;}
.tier-features li::before{content:'◆';color:var(--champagne);font-size:0.5rem;flex-shrink:0;margin-top:0.35rem;}
@media(max-width:1024px){.card-tiers{grid-template-columns:1fr;max-width:560px;margin-left:auto;margin-right:auto;}}

/* ══════════════════════════════════════════════
   PAGE: Contact
══════════════════════════════════════════════ */
/* ── CONTACT LAYOUT ── */
    .contact-section {
      background: var(--light-bg);
      padding: var(--section-v) var(--section-h);
    }
    .contact-inner {
      max-width: 1440px;
      margin: 0 auto;
      display: grid;
      grid-template-columns: 1fr 1.4fr;
      gap: clamp(3rem, 6vw, 8rem);
      align-items: start;
    }
    .contact-info {}
    .contact-form-wrap {
      background: var(--white);
      padding: clamp(2rem, 4vw, 3.5rem);
      box-shadow: 0 20px 60px rgba(26,21,16,0.06);
    }
    .form-title {
      font-family: 'Cormorant Garamond', serif;
      font-size: clamp(1.4rem, 2.5vw, 1.9rem);
      font-weight: 300;
      color: var(--ink);
      margin-bottom: 0.5rem;
    }
    .form-subtitle {
      font-size: 1.1rem;
      font-weight: 300;
      color: var(--stone);
      margin-bottom: 2.5rem;
      line-height: 1.65;
    }

    /* Enquiry type tabs */
    .enquiry-tabs {
      display: flex;
      gap: 0;
      margin-bottom: 2.5rem;
      border: 1px solid var(--warm-gray);
    }
    .enquiry-tab {
      flex: 1;
      padding: 0.85rem 0.5rem;
      text-align: center;
      font-size: 0.7rem;
      font-weight: 400;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--stone);
      cursor: pointer;
      border-right: 1px solid var(--warm-gray);
      transition: all 0.25s;
      background: none;
      border-top: none;
      border-bottom: none;
      border-left: none;
    }
    .enquiry-tab:last-child { border-right: none; }
    .enquiry-tab.active {
      background: var(--navy);
      color: var(--champagne);
      border-color: var(--navy);
    }

    /* ── CONTACT DETAILS SIDEBAR ── */
    .contact-detail-block {
      padding: 2rem;
      border: 1px solid var(--warm-gray);
      background: var(--white);
      margin-bottom: 1.5rem;
      transition: border-color 0.3s;
    }
    .contact-detail-block:hover { border-color: var(--champagne); }
    .cdb-label {
      font-size: 0.68rem;
      letter-spacing: 0.28em;
      text-transform: uppercase;
      color: var(--champagne);
      margin-bottom: 0.7rem;
    }
    .cdb-value {
      font-family: 'Cormorant Garamond', serif;
      font-size: 1.15rem;
      color: var(--ink);
      line-height: 1.5;
    }
    .cdb-sub {
      font-size: 0.78rem;
      font-weight: 300;
      color: var(--stone);
      margin-top: 0.35rem;
      line-height: 1.6;
    }

    /* ── OFFICES ── */
    .offices-section {
      background: var(--navy);
      padding: var(--section-v) var(--section-h);
    }
    .offices-inner { max-width: 1440px; margin: 0 auto; }
    .offices-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 0;
      margin-top: 3.5rem;
    }
    .office-card {
      padding: 2.5rem;
      border-right: 1px solid rgba(201,168,76,0.12);
      border-top: 1px solid rgba(201,168,76,0.12);
      transition: background 0.3s;
      position: relative;
    }
    .office-card:first-child, .office-card:nth-child(2), .office-card:nth-child(3), .office-card:nth-child(4) {
      border-top: none;
    }
    .office-card:nth-child(4n) { border-right: none; }
    .office-card:hover { background: rgba(201,168,76,0.05); }
    .office-card.hq::before {
      content: 'HQ';
      position: absolute;
      top: 1.5rem; right: 1.5rem;
      font-size: 0.58rem;
      letter-spacing: 0.2em;
      padding: 0.2rem 0.6rem;
      background: var(--champagne);
      color: var(--ink);
    }
    .office-flag { font-size: 1.6rem; margin-bottom: 1rem; }
    .office-city {
      font-family: 'Cormorant Garamond', serif;
      font-size: 1.35rem;
      font-weight: 400;
      color: var(--parchment);
      margin-bottom: 0.25rem;
    }
    .office-country {
      font-size: 0.68rem;
      letter-spacing: 0.2em;
      text-transform: uppercase;
      color: var(--champagne);
      margin-bottom: 1.2rem;
      opacity: 0.8;
    }
    .office-address {
      font-size: 0.83rem;
      font-weight: 300;
      line-height: 1.75;
      color: rgba(245,240,232,0.45);
    }
    .office-phone {
      margin-top: 1rem;
      font-size: 0.8rem;
      color: rgba(245,240,232,0.35);
      transition: color 0.2s;
    }
    .office-phone:hover { color: var(--champagne); }

    /* ── BANKER FEATURE ── */
    .banker-feature {
      background: var(--champagne);
      padding: clamp(4rem, 8vw, 7rem) var(--section-h);
    }
    .banker-feature-inner {
      max-width: 1440px;
      margin: 0 auto;
      display: grid;
      grid-template-columns: auto 1fr auto;
      gap: 3rem;
      align-items: center;
    }
    .bf-photo {
      width: 120px; height: 120px;
      border-radius: 50%;
      background: url('https://images.unsplash.com/photo-1560250097-0b93528c311a?w=300&q=80&auto=format&fit=crop') center top / cover;
      border: 4px solid rgba(26,21,16,0.15);
      flex-shrink: 0;
    }
    .bf-quote {
      font-family: 'Cormorant Garamond', serif;
      font-size: clamp(1.1rem, 2vw, 1.6rem);
      font-weight: 300;
      font-style: italic;
      color: var(--ink);
      line-height: 1.55;
    }
    .bf-attr {}
    .bf-name { font-size: 0.88rem; font-weight: 500; color: var(--ink); margin-bottom: 0.2rem; }
    .bf-title-text { font-size: 0.7rem; letter-spacing: 0.18em; text-transform: uppercase; color: var(--deep-brown); opacity: 0.65; }

    /* ── FORM ELEMENTS ── */
    .form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.4rem; }
    .form-full { grid-column: 1 / -1; }
    .form-group { display: flex; flex-direction: column; gap: 0.45rem; }
    .form-group label {
      font-size: 0.7rem;
      font-weight: 400;
      letter-spacing: 0.2em;
      text-transform: uppercase;
      color: var(--stone);
    }
    .form-group label span { color: var(--champagne); margin-left: 0.2rem; }
    .form-input,
    .form-select,
    .form-textarea {
      padding: 0.9rem 1.1rem;
      background: var(--cream);
      border: 1px solid var(--warm-gray);
      color: var(--ink);
      font-family: 'Jost', sans-serif;
      font-size: 0.9rem;
      font-weight: 300;
      line-height: 1.4;
      transition: border-color 0.3s, background 0.3s;
      -webkit-appearance: none;
      appearance: none;
      width: 100%;
      border-radius: 0;
    }
    .form-input:focus,
    .form-select:focus,
    .form-textarea:focus {
      outline: none;
      border-color: var(--champagne);
      background: var(--white);
    }
    .form-textarea { resize: vertical; min-height: 140px; }
    .form-select-wrap { position: relative; }
    .form-select-wrap::after {
      content: '▾';
      position: absolute;
      right: 1rem;
      top: 50%;
      transform: translateY(-50%);
      color: var(--stone);
      font-size: 0.8rem;
      pointer-events: none;
    }
    .form-consent {
      display: flex;
      gap: 0.8rem;
      align-items: flex-start;
      font-size: 0.78rem;
      font-weight: 300;
      color: var(--stone);
      line-height: 1.6;
    }
    .form-consent input[type="checkbox"] {
      width: 16px; height: 16px;
      flex-shrink: 0;
      margin-top: 0.15rem;
      accent-color: var(--champagne);
    }
    .form-submit-row {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 1.5rem;
      flex-wrap: wrap;
      margin-top: 1rem;
    }
    .form-note {
      font-size: 0.72rem;
      font-weight: 300;
      color: var(--stone);
      line-height: 1.5;
    }

    /* Success state */
    .form-success {
      display: none;
      text-align: center;
      padding: 3rem;
    }
    .form-success.show { display: block; }
    .success-icon { font-size: 3rem; margin-bottom: 1rem; }
    .success-title { font-family: 'Cormorant Garamond', serif; font-size: 1.8rem; color: var(--ink); margin-bottom: 0.75rem; }
    .success-body { font-size: 0.88rem; font-weight: 300; color: var(--stone); line-height: 1.75; }

    /* ── RESPONSIVE ── */
    @media (max-width: 1024px) {
      .contact-inner { grid-template-columns: 1fr; }
      .offices-grid { grid-template-columns: repeat(2, 1fr); }
      .office-card:nth-child(2n) { border-right: none; }
      .office-card:nth-child(3), .office-card:nth-child(4),
      .office-card:nth-child(5), .office-card:nth-child(6),
      .office-card:nth-child(7), .office-card:nth-child(8) { border-top: 1px solid rgba(201,168,76,0.12); }
      .banker-feature-inner { grid-template-columns: auto 1fr; }
      .bf-attr { grid-column: 1 / -1; }
    }
    @media (max-width: 768px) {
      .form-grid { grid-template-columns: 1fr; }
      .enquiry-tab { font-size: 0.6rem; padding: 0.7rem 0.3rem; letter-spacing: 0.08em; }
      .offices-grid { grid-template-columns: 1fr; }
      .office-card { border-right: none !important; border-top: 1px solid rgba(201,168,76,0.12) !important; }
      .office-card:first-child { border-top: none !important; }
      .banker-feature-inner { grid-template-columns: 1fr; text-align: center; }
      .bf-photo { margin: 0 auto; }
      .form-submit-row { flex-direction: column; align-items: flex-start; }
    }

/* ══════════════════════════════════════════════
   PAGE: Corporate Banking
══════════════════════════════════════════════ */
.who-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:clamp(3rem,7vw,10rem);align-items:center;}
.client-cards{display:flex;flex-direction:column;gap:1.2rem;margin-top:2.5rem;}
.client-card{display:flex;align-items:center;gap:1.8rem;padding:1.8rem;border:1px solid var(--warm-gray);background:var(--white);transition:all 0.3s;cursor:pointer;}
.client-card:hover{border-color:var(--champagne);transform:translateX(6px);}
.cc-icon{width:46px;height:46px;background:var(--champagne);display:flex;align-items:center;justify-content:center;font-size:1.2rem;flex-shrink:0;}
.cc-name{font-family:'Cormorant Garamond',serif;font-size:1.25rem;color:var(--ink);margin-bottom:0.2rem;}
.cc-desc{font-size:0.8rem;font-weight:300;color:var(--stone);}
.who-photo{width:100%;height:clamp(380px,50vw,560px);background:url('https://images.unsplash.com/photo-1551836022-d5d88e9218df?w=800&q=80&auto=format&fit=crop')center/cover no-repeat;position:relative;}
.who-photo::before{content:'';position:absolute;top:-1px;right:-1px;width:48px;height:48px;border-top:3px solid var(--champagne);border-right:3px solid var(--champagne);}
.banker-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2.5rem;}
.cta-gold{background:var(--champagne);padding:var(--section-v) var(--section-h);}
.cta-gold-inner{max-width:1440px;margin:0 auto;display:grid;grid-template-columns:1fr auto;gap:5rem;align-items:center;}
@media(max-width:1024px){.who-grid{grid-template-columns:1fr;}.banker-grid{grid-template-columns:1fr 1fr;}.cta-gold-inner{grid-template-columns:1fr;}}
@media(max-width:768px){.banker-grid{grid-template-columns:1fr;}}

/* ══════════════════════════════════════════════
   PAGE: Foreign Exchange
══════════════════════════════════════════════ */
.fx-instruments{display:grid;grid-template-columns:repeat(2,1fr);gap:2rem;margin-top:2rem;}
.fx-card{padding:2.5rem;border-left:3px solid var(--champagne);background:var(--white);transition:all 0.3s;}
.fx-card:hover{background:var(--champagne-pale);box-shadow:0 8px 30px rgba(26,21,16,0.06);}
.fx-card-title{font-family:'Cormorant Garamond',serif;font-size:1.4rem;color:var(--ink);margin-bottom:0.8rem;}
.fx-card-desc{font-size:0.86rem;font-weight:300;line-height:1.8;color:var(--stone);}
.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;}
.process-steps::before{content:'';position:absolute;top:2rem;left:12%;right:12%;height:1px;background:var(--champagne);opacity:0.3;}
.ps-step{text-align:center;padding:0 1.5rem;}
.ps-circle{width:44px;height:44px;border:2px solid var(--champagne);display:flex;align-items:center;justify-content:center;margin:0 auto 1.5rem;font-family:'Cormorant SC',serif;font-size:1rem;color:var(--champagne);background:var(--white);position:relative;z-index:1;}
.ps-title{font-family:'Cormorant Garamond',serif;font-size:1.1rem;color:var(--parchment);margin-bottom:0.5rem;}
.ps-desc{font-size:0.8rem;font-weight:300;color:rgba(245,240,232,0.5);line-height:1.65;}
@media(max-width:1024px){.fx-instruments{grid-template-columns:1fr;}.process-steps{grid-template-columns:repeat(2,1fr);gap:2rem;}.process-steps::before{display:none;}}
@media(max-width:768px){.process-steps{grid-template-columns:1fr;}}

/* ══════════════════════════════════════════════
   PAGE: Investment Management
══════════════════════════════════════════════ */
.asset-classes{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5px;background:rgba(201,168,76,0.2);}
.asset-class{background:var(--navy);padding:3rem 2.5rem;transition:background 0.3s;position:relative;}
.asset-class::after{content:'';position:absolute;bottom:0;left:0;width:0;height:2px;background:var(--champagne);transition:width 0.4s;}
.asset-class:hover::after{width:100%;}
.asset-class:hover{background:rgba(201,168,76,0.07);}
.ac-icon{font-size:1.8rem;margin-bottom:1.5rem;}
.ac-title{font-family:'Cormorant Garamond',serif;font-size:1.4rem;color:var(--parchment);margin-bottom:0.7rem;}
.ac-desc{font-size:0.84rem;font-weight:300;line-height:1.75;color:rgba(245,240,232,0.5);}
.mandate-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem;margin-top:2.5rem;}
.mandate-card{padding:3rem;border:1px solid var(--warm-gray);background:var(--white);transition:all 0.3s;position:relative;overflow:hidden;}
.mandate-card::before{content:'';position:absolute;top:0;left:0;width:4px;height:0;background:var(--champagne);transition:height 0.4s;}
.mandate-card:hover::before{height:100%;}
.mandate-card:hover{border-color:var(--champagne);}
.mc-title{font-family:'Cormorant Garamond',serif;font-size:1.6rem;color:var(--ink);margin-bottom:0.8rem;}
.mc-desc{font-size:0.88rem;font-weight:300;line-height:1.8;color:var(--stone);}
@media(max-width:1024px){.asset-classes{grid-template-columns:repeat(2,1fr);}.mandate-grid{grid-template-columns:1fr;}}
@media(max-width:768px){.asset-classes{grid-template-columns:1fr;}}

/* ══════════════════════════════════════════════
   PAGE: Liquidity
══════════════════════════════════════════════ */
.liq-features{display:grid;grid-template-columns:repeat(2,1fr);gap:2rem;margin-top:2.5rem;}
.lf-card{padding:2.5rem;border:1px solid var(--warm-gray);background:var(--white);border-left:4px solid var(--champagne);transition:all 0.3s;}
.lf-card:hover{box-shadow:0 12px 40px rgba(26,21,16,0.07);transform:translateX(4px);}
.lf-title{font-family:'Cormorant Garamond',serif;font-size:1.35rem;color:var(--ink);margin-bottom:0.8rem;}
.lf-desc{font-size:0.86rem;font-weight:300;line-height:1.8;color:var(--stone);}
@media(max-width:768px){.liq-features{grid-template-columns:1fr;}}

/* ══════════════════════════════════════════════
   PAGE: Multi Currency
══════════════════════════════════════════════ */
.currency-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem;margin-top:2.5rem;}
.currency-tile{padding:1.6rem;border:1px solid var(--warm-gray);background:var(--white);text-align:center;transition:all 0.3s;}
.currency-tile:hover{border-color:var(--champagne);background:var(--champagne-pale);}
.ct-code{font-family:'Cormorant SC',serif;font-size:1.5rem;color:var(--ink);margin-bottom:0.25rem;}
.ct-name{font-size:0.7rem;letter-spacing:0.14em;text-transform:uppercase;color:var(--stone);}
.features-2col{display:grid;grid-template-columns:1fr 1fr;gap:2rem;margin-top:2.5rem;}
.feat-row{display:flex;gap:1.5rem;padding:1.8rem;border:1px solid rgba(201,168,76,0.15);transition:border-color 0.3s;}
.feat-row:hover{border-color:rgba(201,168,76,0.4);}
.feat-icon{font-size:1.6rem;flex-shrink:0;}
.feat-title{font-family:'Cormorant Garamond',serif;font-size:1.2rem;color:var(--parchment);margin-bottom:0.4rem;}
.feat-desc{font-size:0.83rem;font-weight:300;line-height:1.7;color:rgba(245,240,232,0.55);}
@media(max-width:1024px){.currency-grid{grid-template-columns:repeat(3,1fr);}.features-2col{grid-template-columns:1fr;}}
@media(max-width:768px){.currency-grid{grid-template-columns:repeat(2,1fr);}}

/* ══════════════════════════════════════════════
   PAGE: Payment Management
══════════════════════════════════════════════ */
.pm-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;margin-top:2.5rem;}
.pm-card{padding:2.5rem;background:var(--white);border-top:3px solid var(--champagne);transition:all 0.3s;}
.pm-card:hover{box-shadow:0 12px 40px rgba(26,21,16,0.07);transform:translateY(-4px);}
.pmc-title{font-family:'Cormorant Garamond',serif;font-size:1.35rem;color:var(--ink);margin-bottom:0.8rem;}
.pmc-desc{font-size:0.85rem;font-weight:300;line-height:1.8;color:var(--stone);}
@media(max-width:1024px){.pm-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:768px){.pm-grid{grid-template-columns:1fr;}}

/* ══════════════════════════════════════════════
   PAGE: Pooled Account
══════════════════════════════════════════════ */
.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;margin-top:2.5rem;}
.benefit-card{padding:2.5rem;background:var(--white);border:1px solid var(--warm-gray);transition:all 0.3s;}
.benefit-card:hover{border-color:var(--champagne);box-shadow:0 12px 40px rgba(26,21,16,0.06);}
.bc-num{font-family:'Cormorant SC',serif;font-size:2rem;color:var(--champagne);opacity:0.3;margin-bottom:1rem;line-height:1;}
.bc-title{font-family:'Cormorant Garamond',serif;font-size:1.3rem;color:var(--ink);margin-bottom:0.8rem;}
.bc-desc{font-size:0.85rem;font-weight:300;line-height:1.8;color:var(--stone);}
@media(max-width:1024px){.benefits-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:768px){.benefits-grid{grid-template-columns:1fr;}}

/* ══════════════════════════════════════════════
   PAGE: Private Banking
══════════════════════════════════════════════ */
.services-detail-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:2rem;}
.service-detail-card{display:grid;grid-template-columns:56px 1fr;gap:2rem;padding:2.5rem;border:1px solid var(--warm-gray);transition:all 0.3s;background:var(--white);}
.service-detail-card:hover{border-color:var(--champagne);box-shadow:0 16px 50px rgba(26,21,16,0.06);}
.sd-num{font-family:'Cormorant SC',serif;font-size:2.6rem;font-weight:300;color:var(--champagne);opacity:0.3;line-height:1;}
.sd-name{font-family:'Cormorant Garamond',serif;font-size:1.45rem;font-weight:400;color:var(--ink);margin-bottom:0.7rem;}
.sd-desc{font-size:0.87rem;font-weight:300;line-height:1.8;color:var(--stone);margin-bottom:1.2rem;}
.sd-tags{display:flex;flex-wrap:wrap;gap:0.4rem;}
.sd-tag{padding:0.28rem 0.85rem;border:1px solid var(--warm-gray);font-size:0.68rem;letter-spacing:0.12em;text-transform:uppercase;color:var(--stone);}
.approach-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(3rem,7vw,8rem);align-items:start;}
.approach-steps{}
.step{display:grid;grid-template-columns:56px 1fr;gap:1.8rem;padding:2rem 0;border-bottom:1px solid var(--warm-gray);transition:padding-left 0.3s;}
.step:last-child{border-bottom:none;}
.step:hover{padding-left:0.75rem;}
.step-num{font-family:'Cormorant SC',serif;font-size:1.5rem;color:var(--champagne);opacity:0.5;padding-top:0.2rem;}
.step-title{font-family:'Cormorant Garamond',serif;font-size:1.35rem;color:var(--ink);margin-bottom:0.5rem;}
.step-desc{font-size:0.86rem;font-weight:300;line-height:1.75;color:var(--stone);}
.photo-stack{position:relative;height:520px;}
.ps-main{position:absolute;top:0;left:0;width:80%;height:68%;background:url('https://images.unsplash.com/photo-1521791136064-7986c2920216?w=700&q=80&auto=format&fit=crop')center/cover no-repeat;}
.ps-inset{position:absolute;bottom:0;right:0;width:55%;height:50%;background:url('https://images.unsplash.com/photo-1556745753-b2904692b3cd?w=500&q=80&auto=format&fit=crop')center/cover no-repeat;border:5px solid var(--cream);}
.cta-dark{background:var(--navy);padding:var(--section-v) var(--section-h);}
.cta-dark-inner{max-width:1440px;margin:0 auto;display:grid;grid-template-columns:1fr auto;gap:5rem;align-items:center;}
.cta-dark-title{font-family:'Cormorant Garamond',serif;font-size:clamp(2rem,4vw,3rem);font-weight:300;color:var(--parchment);line-height:1.2;}
.cta-dark-title em{font-style:italic;color:var(--champagne-light);}
.cta-dark-body{font-size:0.9rem;font-weight:300;line-height:1.8;color:rgba(245,240,232,0.5);margin-top:1.2rem;max-width:500px;}
.cta-dark-btns{display:flex;flex-direction:column;gap:1rem;align-items:flex-start;flex-shrink:0;}
@media(max-width:1024px){.services-detail-grid{grid-template-columns:1fr;}.approach-grid{grid-template-columns:1fr;}.photo-stack{height:360px;}.cta-dark-inner{grid-template-columns:1fr;}.cta-dark-btns{flex-direction:row;flex-wrap:wrap;}}
@media(max-width:768px){.service-detail-card{grid-template-columns:1fr;}.sd-num{display:none;}}

/* ══════════════════════════════════════════════
   PAGE: Receive Funds
══════════════════════════════════════════════ */
.methods-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;margin-top:2.5rem;}
.method-card{padding:2.5rem;border:1px solid var(--warm-gray);background:var(--white);transition:all 0.3s;}
.method-card:hover{border-color:var(--champagne);transform:translateY(-4px);box-shadow:0 12px 40px rgba(26,21,16,0.07);}
.mc-icon{font-size:2rem;margin-bottom:1.2rem;}
.mc-title{font-family:'Cormorant Garamond',serif;font-size:1.35rem;color:var(--ink);margin-bottom:0.7rem;}
.mc-desc{font-size:0.85rem;font-weight:300;line-height:1.8;color:var(--stone);}
@media(max-width:1024px){.methods-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:768px){.methods-grid{grid-template-columns:1fr;}}

/* ══════════════════════════════════════════════
   PAGE: Savings
══════════════════════════════════════════════ */
.savings-table{width:100%;border-collapse:collapse;margin-top:2.5rem;}
.savings-table th{padding:1.2rem 1.5rem;background:var(--navy);color:var(--champagne);font-size:0.72rem;letter-spacing:0.2em;text-transform:uppercase;text-align:left;font-weight:400;}
.savings-table td{padding:1.2rem 1.5rem;border-bottom:1px solid var(--warm-gray);font-size:0.9rem;font-weight:300;color:var(--ink);}
.savings-table tr:last-child td{border-bottom:none;}
.savings-table tr:hover td{background:var(--champagne-pale);}
.savings-table td:last-child{color:var(--champagne);font-family:'Cormorant SC',serif;font-size:1.1rem;}

/* ══════════════════════════════════════════════
   PAGE: Send Payment
══════════════════════════════════════════════ */
.send-features{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem;margin-top:2rem;}
.sf-item{display:flex;gap:1.5rem;padding:1.8rem;border:1px solid rgba(201,168,76,0.15);background:rgba(201,168,76,0.03);}
.sf-icon{font-size:1.5rem;flex-shrink:0;}
.sf-title{font-family:'Cormorant Garamond',serif;font-size:1.2rem;color:var(--parchment);margin-bottom:0.35rem;}
.sf-desc{font-size:0.82rem;font-weight:300;line-height:1.7;color:rgba(245,240,232,0.55);}
@media(max-width:768px){.send-features{grid-template-columns:1fr;}}