/* ==========================================================================
   Frustiva Investments — Styles
   ========================================================================== */

/* CSS Custom Properties */
:root {
  /* Colors — adjusted for WCAG AA contrast */
  --color-navy: #0B1D3A;
  --color-navy-light: #142d4e;
  --color-navy-lighter: #1e3a5f;
  --color-gold: #B8953E;
  --color-gold-light: #C8A951;
  --color-gold-dark: #9D7F2E;
  --color-white: #F8F6F0;
  --color-off-white: #EAE5D9;
  --color-light-gray: #CEC8BB;
  --color-medium-gray: #7A7A7A;
  --color-dark-gray: #3D3D3D;
  --color-text: #1A1A2E;
  --color-text-light: #4A4A5A;
  --color-error: #C0392B;
  --color-success: #1E8A49;

  /* Typography */
  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono: 'JetBrains Mono', 'Fira Code', monospace;

  /* Spacing Scale */
  --space-xs: 0.25rem;
  --space-sm: 0.5rem;
  --space-md: 1rem;
  --space-lg: 1.5rem;
  --space-xl: 2rem;
  --space-2xl: 3rem;
  --space-3xl: 4rem;
  --space-4xl: 6rem;

  /* Container */
  --container-max: 1200px;
  --container-padding: 1.5rem;

  /* Border Radius */
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-full: 9999px;

  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.12), 0 2px 4px -1px rgba(0,0,0,0.08);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.12), 0 4px 6px -2px rgba(0,0,0,0.08);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.15), 0 10px 10px -5px rgba(0,0,0,0.06);

  /* Transitions */
  --transition-fast: 150ms ease;
  --transition-base: 250ms ease;
  --transition-slow: 350ms ease;

  /* Z-Index */
  --z-dropdown: 100;
  --z-modal: 1000;
  --z-toast: 1100;
}

/* ==========================================================================
   Reset & Base
   ========================================================================== */

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--color-text);
  background-color: var(--color-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg, video, canvas {
  display: block;
  max-width: 100%;
  height: auto;
}

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

ul, ol {
  list-style: none;
}

button {
  font-family: inherit;
  font-size: inherit;
  background: none;
  border: none;
  cursor: pointer;
}

input, textarea, select {
  font-family: inherit;
  font-size: inherit;
  color: inherit;
}

:focus-visible {
  outline: 2px solid var(--color-gold);
  outline-offset: 2px;
}

::selection {
  background-color: var(--color-gold);
  color: var(--color-navy);
}

/* ==========================================================================
   Typography
   ========================================================================== */

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.2;
  color: var(--color-navy);
}

h1 { font-size: clamp(2.5rem, 5vw, 4rem); }
h2 { font-size: clamp(2rem, 4vw, 3rem); }
h3 { font-size: clamp(1.5rem, 3vw, 2rem); }
h4 { font-size: clamp(1.25rem, 2.5vw, 1.5rem); }

p {
  color: var(--color-text-light);
  max-width: 65ch;
}

.lead {
  font-size: 1.125rem;
  line-height: 1.7;
  color: var(--color-text-light);
}

.text-center { text-align: center; }
.text-gold { color: var(--color-gold); }
.text-navy { color: var(--color-navy); }

/* ==========================================================================
   Layout Utilities
   ========================================================================== */

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--container-padding);
}

.section {
  padding: var(--space-4xl) 0;
}

.section-header {
  text-align: center;
  margin-bottom: var(--space-3xl);
}

.section-title {
  margin-bottom: var(--space-md);
}

.section-lead {
  font-size: 1.125rem;
  max-width: 600px;
  margin: 0 auto;
}

/* Grid */
.grid {
  display: grid;
  gap: var(--space-xl);
}

.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

@media (max-width: 1024px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

/* Flex */
.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }
.justify-center { justify-content: center; }
.gap-sm { gap: var(--space-sm); }
.gap-md { gap: var(--space-md); }
.gap-lg { gap: var(--space-lg); }
.gap-xl { gap: var(--space-xl); }

/* ==========================================================================
   Buttons
   ========================================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  padding: 0.875rem 1.75rem;
  font-weight: 500;
  font-size: 0.9375rem;
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.btn-lg {
  padding: 1rem 2.25rem;
  font-size: 1rem;
}

.btn-full { width: 100%; }

.btn-primary {
  background-color: var(--color-navy);
  color: var(--color-white);
  border: 2px solid var(--color-navy);
}

.btn-primary:hover {
  background-color: var(--color-navy-light);
  border-color: var(--color-navy-light);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-primary:active {
  transform: translateY(0);
}

.btn-outline {
  background-color: transparent;
  color: var(--color-navy);
  border: 2px solid var(--color-navy);
}

.btn-outline:hover {
  background-color: var(--color-navy);
  color: var(--color-white);
}

.btn-ghost {
  background-color: transparent;
  color: var(--color-navy);
  border: 2px solid transparent;
  padding: 0.75rem 1.25rem;
}

.btn-ghost:hover {
  background-color: var(--color-off-white);
  border-color: var(--color-light-gray);
}

/* ==========================================================================
   Header / Navigation
   ========================================================================== */

.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: var(--z-dropdown);
  background-color: rgba(248, 246, 240, 0.98);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--color-light-gray);
  transition: box-shadow var(--transition-base);
}

.site-header.scrolled {
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
  gap: var(--space-lg);
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  flex-shrink: 0;
}

.logo-mark {
  width: 40px;
  height: 40px;
  color: var(--color-navy);
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}

.logo-name {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.125rem;
  color: var(--color-navy);
}

.logo-tag {
  font-size: 0.6875rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-gold);
}

/* Navigation */
.main-nav {
  flex: 1;
  display: flex;
  justify-content: flex-end;
}

.nav-list {
  display: flex;
  align-items: center;
  gap: var(--space-xl);
}

.nav-link {
  font-weight: 500;
  font-size: 0.9375rem;
  color: var(--color-text);
  padding: var(--space-sm) 0;
  position: relative;
  transition: color var(--transition-fast);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--color-gold);
  transition: width var(--transition-base);
}

.nav-link:hover,
.nav-link:focus {
  color: var(--color-navy);
}

.nav-link:hover::after,
.nav-link:focus::after {
  width: 100%;
}

/* Header Actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  flex-shrink: 0;
}

.mobile-auth-actions { display: none; }

/* Mobile Nav Toggle */
.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  align-items: center;
  justify-content: center;
}

.hamburger {
  position: relative;
  width: 24px;
  height: 2px;
  background-color: var(--color-navy);
  transition: background-color var(--transition-fast);
}

.hamburger::before,
.hamburger::after {
  content: '';
  position: absolute;
  left: 0;
  width: 100%;
  height: 2px;
  background-color: var(--color-navy);
  transition: transform var(--transition-base);
}

.hamburger::before { top: -7px; }
.hamburger::after { bottom: -7px; }

.nav-toggle[aria-expanded="true"] .hamburger {
  background-color: transparent;
}

.nav-toggle[aria-expanded="true"] .hamburger::before {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle[aria-expanded="true"] .hamburger::after {
  transform: translateY(-7px) rotate(-45deg);
}

/* ==========================================================================
   Hero Section
   ========================================================================== */

.hero {
  padding: calc(80px + var(--space-4xl)) 0 var(--space-4xl);
  background-color: var(--color-off-white);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: center;
}

@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }
}

.hero-badge {
  display: inline-block;
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-gold-dark);
  background-color: rgba(184, 149, 62, 0.18);
  border-radius: var(--radius-full);
  margin-bottom: var(--space-lg);
}

.hero-title {
  margin-bottom: var(--space-lg);
  line-height: 1.15;
}

.hero-lead {
  font-size: 1.1875rem;
  line-height: 1.7;
  margin-bottom: var(--space-xl);
  max-width: 500px;
}

@media (max-width: 1024px) {
  .hero-lead { margin-left: auto; margin-right: auto; }
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-md);
  margin-bottom: var(--space-2xl);
}

@media (max-width: 1024px) {
  .hero-actions { justify-content: center; }
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-xl);
  padding-top: var(--space-xl);
  border-top: 1px solid var(--color-light-gray);
}

@media (max-width: 1024px) {
  .hero-trust { justify-content: center; }
}

.hero-trust li {
  font-size: 0.9375rem;
  color: var(--color-text-light);
}

.hero-trust strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--color-navy);
  margin-bottom: var(--space-xs);
}

/* Hero Visual */
.hero-visual { position: relative; }

.visual-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
}

.visual-chart {
  padding: var(--space-xl);
}

.chart-svg {
  width: 100%;
  height: auto;
}

.visual-caption {
  display: flex;
  justify-content: space-between;
  padding: var(--space-md) var(--space-xl) var(--space-xl);
  border-top: 1px solid var(--color-light-gray);
  font-size: 0.875rem;
}

.caption-label {
  color: var(--color-text-light);
}

.caption-value {
  font-weight: 500;
  color: var(--color-text);
}

/* ==========================================================================
   Approach Section
   ========================================================================== */

.approach {
  background-color: var(--color-white);
}

.approach-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-xl);
}

@media (max-width: 900px) {
  .approach-grid { grid-template-columns: 1fr; }
}

.approach-card {
  padding: var(--space-2xl);
  background-color: var(--color-off-white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-light-gray);
  transition: transform var(--transition-base), box-shadow var(--transition-base), border-color var(--transition-base);
}

.approach-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-gold);
}

.card-icon {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: var(--color-white);
  border-radius: var(--radius-md);
  color: var(--color-gold);
  margin-bottom: var(--space-lg);
  border: 1px solid var(--color-light-gray);
}

.card-icon svg {
  width: 28px;
  height: 28px;
  stroke-width: 1.5;
}

.approach-card h3 {
  margin-bottom: var(--space-md);
}

.approach-card p {
  color: var(--color-text-light);
  line-height: 1.7;
}

/* ==========================================================================
   Services Section
   ========================================================================== */

.services {
  background-color: var(--color-off-white);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-xl);
}

@media (max-width: 900px) {
  .services-grid { grid-template-columns: 1fr; }
}

.service-card {
  padding: var(--space-2xl);
  background: var(--color-white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-light-gray);
  transition: border-color var(--transition-base), box-shadow var(--transition-base);
}

.service-card:hover {
  border-color: var(--color-gold);
  box-shadow: var(--shadow-md);
}

.service-card h3 {
  margin-bottom: var(--space-md);
}

.service-card > p {
  margin-bottom: var(--space-lg);
  line-height: 1.7;
}

.service-features {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.service-features li {
  position: relative;
  padding-left: var(--space-lg);
  font-size: 0.9375rem;
  color: var(--color-text-light);
}

.service-features li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.5em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background-color: var(--color-gold);
}

/* ==========================================================================
   Insights Section
   ========================================================================== */

.insights {
  background-color: var(--color-white);
}

.insights-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-xl);
  margin-bottom: var(--space-2xl);
}

@media (max-width: 900px) {
  .insights-grid { grid-template-columns: 1fr; }
}

.insight-card {
  padding: var(--space-xl);
  background-color: var(--color-off-white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-light-gray);
  transition: border-color var(--transition-base), transform var(--transition-base);
  display: flex;
  flex-direction: column;
}

.insight-card:hover {
  border-color: var(--color-gold);
  transform: translateY(-2px);
}

.insight-date {
  display: block;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-gold-dark);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: var(--space-md);
}

.insight-card h3 {
  font-size: 1.1875rem;
  line-height: 1.35;
  margin-bottom: var(--space-md);
  flex: 1;
}

.insight-card h3 a:hover {
  color: var(--color-gold);
}

.insight-card > p {
  font-size: 0.9375rem;
  line-height: 1.65;
  margin-bottom: var(--space-lg);
  flex: 1;
}

.insight-link {
  font-weight: 500;
  font-size: 0.9375rem;
  color: var(--color-navy);
  display: inline-flex;
  align-items: center;
  gap: var(--space-xs);
  transition: gap var(--transition-fast);
}

.insight-link:hover {
  color: var(--color-gold);
  gap: var(--space-sm);
}

.insights-cta {
  text-align: center;
}

/* ==========================================================================
   About Section
   ========================================================================== */

.about {
  background-color: var(--color-off-white);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: start;
}

@media (max-width: 900px) {
  .about-grid { grid-template-columns: 1fr; }
}

.about-content h2 {
  margin-bottom: var(--space-lg);
}

.about-content p {
  margin-bottom: var(--space-lg);
  line-height: 1.75;
}

.about-signature {
  margin-top: var(--space-2xl);
  padding-top: var(--space-lg);
  border-top: 1px solid var(--color-light-gray);
  font-style: italic;
  color: var(--color-text-light);
}

.about-stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-lg);
}

@media (max-width: 480px) {
  .about-stats { grid-template-columns: 1fr; }
}

.stat {
  padding: var(--space-xl);
  background: var(--color-white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-light-gray);
  text-align: center;
  transition: border-color var(--transition-base);
}

.stat:hover {
  border-color: var(--color-gold);
}

.stat-value {
  display: block;
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--color-navy);
  line-height: 1;
  margin-bottom: var(--space-xs);
}

.stat-label {
  font-size: 0.9375rem;
  color: var(--color-text-light);
  font-weight: 500;
}

/* Leadership Section */

.leadership {
  position: relative;
  overflow: hidden;
  background-color: var(--color-navy);
}

.leadership-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: clamp(var(--space-2xl), 7vw, var(--space-4xl));
  align-items: center;
}

.leadership-portrait {
  position: relative;
  width: 100%;
  max-width: 460px;
  aspect-ratio: 0.82;
}

.leadership-portrait::before {
  content: '';
  position: absolute;
  inset: 0 0 1.5rem 1.5rem;
  z-index: 0;
  border: 1px solid var(--color-gold);
  opacity: 0.85;
}

.leadership-portrait-image {
  position: absolute;
  inset: 1rem 0 0 1rem;
  z-index: 1;
  width: calc(100% - 1rem);
  height: calc(100% - 1rem);
  object-fit: cover;
  object-position: center 25%;
  border: 1px solid rgba(240, 237, 230, 0.16);
}

.leadership-portrait figcaption {
  position: absolute;
  right: 0;
  bottom: 0;
  z-index: 2;
  padding: 0.8rem 1.1rem;
  background-color: var(--color-gold);
  color: var(--color-navy);
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.leadership-content {
  max-width: 560px;
}

.leadership-eyebrow {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  margin-bottom: var(--space-lg);
  color: var(--color-gold-light);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.28em;
  text-transform: uppercase;
}

.leadership-eyebrow::before {
  content: '';
  width: 2rem;
  height: 1px;
  background-color: var(--color-gold-light);
}

.leadership-title {
  margin-bottom: 0.25rem;
  color: var(--color-white);
  font-size: clamp(2.75rem, 6vw, 5rem);
  letter-spacing: -0.04em;
  line-height: 1;
  text-transform: uppercase;
}

.leadership-title span {
  color: var(--color-gold-light);
}

.leadership-role {
  margin-bottom: var(--space-2xl);
  color: var(--color-gold-light);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}

.leadership-bio {
  margin-bottom: var(--space-xl);
  color: var(--color-off-white);
  font-family: var(--font-display);
  font-size: 1.125rem;
  line-height: 1.75;
}

.leadership-quote {
  padding: 0.25rem 0 0.25rem var(--space-lg);
  border-left: 2px solid var(--color-gold);
  color: var(--color-white);
  font-family: var(--font-display);
  font-size: clamp(1.125rem, 2.2vw, 1.5rem);
  font-weight: 600;
  line-height: 1.5;
}

/* Interior Pages */

.page-hero {
  padding: calc(80px + var(--space-4xl)) 0 var(--space-3xl);
  background-color: var(--color-off-white);
}

.page-hero .container { max-width: 980px; }

.page-eyebrow {
  margin-bottom: var(--space-md);
  color: var(--color-gold-dark);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}

.page-title {
  margin-bottom: var(--space-lg);
  font-size: clamp(2.5rem, 5vw, 4rem);
}

.page-lead {
  max-width: 760px;
  font-size: 1.125rem;
  line-height: 1.75;
}

.page-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: var(--space-xl);
}

.page-card {
  padding: var(--space-2xl);
  background-color: var(--color-white);
  border: 1px solid var(--color-light-gray);
  border-radius: var(--radius-lg);
}

.page-card h2,
.page-card h3 {
  margin-bottom: var(--space-md);
  font-size: 1.375rem;
}

.page-card p { line-height: 1.7; }

.page-two-column {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(260px, 0.9fr);
  gap: var(--space-3xl);
  align-items: start;
}

.page-copy h2 { margin-bottom: var(--space-lg); }
.page-copy p { margin-bottom: var(--space-lg); line-height: 1.75; }

.page-note {
  padding: var(--space-xl);
  background-color: var(--color-off-white);
  border-left: 3px solid var(--color-gold);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
}

.page-note h2,
.page-note h3 { margin-bottom: var(--space-sm); }

.editorial-stack { display: grid; gap: var(--space-xl); }

.editorial-article {
  padding: var(--space-2xl);
  background-color: var(--color-white);
  border: 1px solid var(--color-light-gray);
  border-radius: var(--radius-lg);
}

.editorial-article h2 { margin-bottom: var(--space-md); }
.editorial-article p { margin-bottom: var(--space-md); line-height: 1.75; }
.editorial-article p:last-child { margin-bottom: 0; }

.page-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-xl);
  padding: var(--space-2xl);
  background-color: var(--color-navy);
  border-radius: var(--radius-lg);
}

.page-cta h2 { margin-bottom: var(--space-sm); color: var(--color-white); }
.page-cta p { color: var(--color-off-white); }
.page-cta .btn-primary { background: var(--color-gold); border-color: var(--color-gold); color: var(--color-navy); }
.page-cta .btn-primary:hover { background: var(--color-gold-light); border-color: var(--color-gold-light); }

.contact-card a {
  color: var(--color-navy);
  font-weight: 600;
  overflow-wrap: anywhere;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.contact-safety-note { margin-top: var(--space-2xl); }

@media (max-width: 900px) {
  .leadership-grid {
    grid-template-columns: 1fr;
    gap: var(--space-3xl);
  }

  .leadership-content {
    max-width: 680px;
  }

  .page-grid,
  .page-two-column { grid-template-columns: 1fr; }

  .page-cta { align-items: flex-start; flex-direction: column; }
}

@media (max-width: 600px) {
  .leadership-portrait::before {
    inset: 0 0 1rem 1rem;
  }
}

/* ==========================================================================
   Contact Section
   ========================================================================== */

.contact {
  background-color: var(--color-white);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
}

@media (max-width: 900px) {
  .contact-grid { grid-template-columns: 1fr; }
}

.contact-form {
  background-color: var(--color-off-white);
  padding: var(--space-2xl);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-light-gray);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
}

@media (max-width: 600px) {
  .form-row { grid-template-columns: 1fr; }
}

.form-group {
  margin-bottom: var(--space-lg);
}

.form-group label {
  display: block;
  font-weight: 500;
  font-size: 0.9375rem;
  color: var(--color-text);
  margin-bottom: var(--space-sm);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.875rem 1rem;
  background-color: var(--color-white);
  border: 1px solid var(--color-light-gray);
  border-radius: var(--radius-md);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--color-gold);
  box-shadow: 0 0 0 3px rgba(184, 149, 62, 0.25);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
  color: var(--color-medium-gray);
}

.form-group textarea {
  min-height: 120px;
  resize: vertical;
}

.field-hint {
  font-size: 0.8125rem;
  color: var(--color-text-light);
  margin-top: var(--space-xs);
}

.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
}

.checkbox-group input[type="checkbox"] {
  width: auto;
  margin-top: 0.25rem;
  accent-color: var(--color-gold);
}

.checkbox-group label {
  font-size: 0.875rem;
  color: var(--color-text-light);
  margin-bottom: 0;
  line-height: 1.5;
}

.checkbox-group a {
  color: var(--color-navy);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.checkbox-group a:hover {
  color: var(--color-gold);
}

.form-note {
  font-size: 0.875rem;
  color: var(--color-text-light);
  margin-top: var(--space-md);
  text-align: center;
}

/* Contact Info */
.contact-info h3 {
  margin-bottom: var(--space-xl);
}

.contact-details {
  margin-bottom: var(--space-2xl);
}

.contact-item {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
  margin-bottom: var(--space-xl);
}

.contact-label {
  font-size: 0.8125rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-gold-dark);
}

.contact-item a,
.contact-item span {
  color: var(--color-text);
  font-size: 1rem;
  line-height: 1.5;
  transition: color var(--transition-fast);
}

.contact-item a:hover {
  color: var(--color-gold);
}

.regulatory {
  padding-top: var(--space-xl);
  border-top: 1px solid var(--color-light-gray);
}

.regulatory p {
  font-size: 0.8125rem;
  color: var(--color-text-light);
  line-height: 1.6;
  margin-bottom: var(--space-md);
}

.regulatory p:last-child { margin-bottom: 0; }

.regulatory strong { color: var(--color-text); }

/* ==========================================================================
   Footer
   ========================================================================== */

.site-footer {
  background-color: var(--color-navy);
  color: var(--color-white);
  padding: var(--space-4xl) 0 var(--space-xl);
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 2fr);
  gap: var(--space-2xl);
  margin-bottom: var(--space-3xl);
}

.footer-nav {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--space-xl);
}

@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-nav { grid-template-columns: 1fr 1fr; }
}

.footer-brand p {
  color: rgba(255,255,255,0.75);
  margin-top: var(--space-md);
  font-size: 0.9375rem;
  line-height: 1.7;
}

.footer-brand .logo-mark { color: var(--color-gold); }
.footer-brand .logo-tag { color: var(--color-gold); }
.footer-brand .logo-name { color: var(--color-white); }

.footer-col h4 {
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-gold);
  margin-bottom: var(--space-lg);
}

.footer-col ul { display: flex; flex-direction: column; gap: var(--space-sm); }

.footer-col a {
  color: rgba(255,255,255,0.8);
  font-size: 0.9375rem;
  transition: color var(--transition-fast);
}

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

.footer-bottom {
  padding-top: var(--space-xl);
  border-top: 1px solid rgba(255,255,255,0.1);
}

.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-md);
}

@media (max-width: 600px) {
  .footer-bottom-inner { justify-content: center; text-align: center; }
}

.copyright {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
}

.regulatory-links {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  font-size: 0.8125rem;
}

.regulatory-links a {
  color: rgba(255,255,255,0.75);
  transition: color var(--transition-fast);
}

.regulatory-links a:hover { color: var(--color-gold); }

.regulatory-links span { color: rgba(255,255,255,0.4); }

/* ==========================================================================
   Auth Modals
   ========================================================================== */

.auth-modal {
  position: fixed;
  inset: 0;
  z-index: var(--z-modal);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-lg);
}

.auth-modal[hidden] { display: none; }

.modal-overlay {
  position: absolute;
  inset: 0;
  background-color: rgba(11, 29, 58, 0.7);
  backdrop-filter: blur(4px);
  animation: fadeIn var(--transition-base);
}

.modal-content {
  position: relative;
  width: 100%;
  max-width: 440px;
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: var(--space-2xl);
  box-shadow: var(--shadow-xl);
  animation: slideUp var(--transition-base);
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes slideUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

.modal-close {
  position: absolute;
  top: var(--space-md);
  right: var(--space-md);
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--color-text-light);
  border-radius: var(--radius-full);
  transition: background-color var(--transition-fast), color var(--transition-fast);
}

.modal-close:hover {
  background-color: var(--color-off-white);
  color: var(--color-text);
}

.modal-title {
  margin-bottom: var(--space-xl);
  text-align: center;
}

.auth-form .form-group { margin-bottom: var(--space-lg); }

.auth-form label {
  display: block;
  font-weight: 500;
  font-size: 0.9375rem;
  margin-bottom: var(--space-sm);
}

.auth-form input {
  width: 100%;
  padding: 0.875rem 1rem;
  border: 1px solid var(--color-light-gray);
  border-radius: var(--radius-md);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.auth-form input:focus {
  border-color: var(--color-gold);
  box-shadow: 0 0 0 3px rgba(184, 149, 62, 0.25);
}

.auth-switch {
  text-align: center;
  margin-top: var(--space-lg);
  font-size: 0.9375rem;
  color: var(--color-text-light);
}

.auth-switch a {
  font-weight: 500;
  color: var(--color-navy);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.auth-switch a:hover { color: var(--color-gold); }

/* ==========================================================================
   Responsive
   ========================================================================== */

@media (max-width: 1100px) and (min-width: 901px) {
  .nav-list { gap: var(--space-md); }
  .nav-link { font-size: 0.875rem; }
  .header-inner { gap: var(--space-md); }
  .header-actions { gap: var(--space-sm); }
  .header-actions .btn { padding: 0.65rem 0.85rem; }
}

@media (max-width: 900px) {
  .header-inner { height: 72px; }

  .nav-toggle {
    display: flex;
    flex: 0 0 44px;
    border: 1px solid var(--color-light-gray);
    border-radius: var(--radius-md);
  }

  .main-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--color-white);
    border-bottom: 1px solid var(--color-light-gray);
    padding: var(--space-md) var(--space-lg) var(--space-lg);
    box-shadow: var(--shadow-lg);
    display: none;
    max-height: calc(100vh - 72px);
    overflow-y: auto;
    overscroll-behavior: contain;
  }

  @supports (height: 100dvh) {
    .main-nav { max-height: calc(100dvh - 72px); }
  }

  .main-nav.open { display: block; }

  .nav-list {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }

  .nav-link {
    display: block;
    min-height: 48px;
    padding: 0.75rem 0;
    border-bottom: 1px solid var(--color-light-gray);
  }

  .nav-link:last-child { border-bottom: none; }

  .header-actions { display: none; }

  .mobile-auth-actions {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: var(--space-sm);
    margin-top: var(--space-md);
    padding-top: var(--space-md);
    border-top: 1px solid var(--color-light-gray);
  }

  .mobile-auth-actions .btn {
    width: 100%;
    min-height: 48px;
    padding: 0.75rem 0.5rem;
  }

  .section { padding: var(--space-3xl) 0; }

  :root {
    --space-3xl: 3rem;
    --space-4xl: 4rem;
  }
}

@media (max-width: 600px) {
  :root { --container-padding: 1.125rem; }

  .header-inner { gap: var(--space-sm); }
  .logo-mark { width: 34px; height: 34px; }
  .logo-name { font-size: 1.0625rem; }
  .logo-tag { font-size: 0.625rem; }

  .main-nav { padding-left: var(--container-padding); padding-right: var(--container-padding); }

  .hero,
  .page-hero { padding-top: calc(72px + var(--space-3xl)); }

  .hero-title,
  .page-title { font-size: clamp(2.25rem, 10.5vw, 3.5rem); }

  .hero-lead,
  .page-lead { font-size: 1.0625rem; }

  .hero-actions { flex-direction: column; gap: var(--space-sm); }
  .hero-actions .btn,
  .page-cta .btn { width: 100%; min-height: 48px; }

  .hero-trust {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: var(--space-lg) var(--space-md);
    text-align: left;
  }

  .hero-trust strong { font-size: 1.25rem; }

  .visual-chart { padding: var(--space-md); }
  .visual-caption { flex-wrap: wrap; gap: var(--space-xs) var(--space-md); padding: var(--space-md); }

  .approach-card,
  .service-card,
  .page-card,
  .editorial-article { padding: var(--space-lg); }

  .leadership-grid { gap: var(--space-2xl); }
  .leadership-portrait { max-width: 380px; margin: 0 auto; }
  .leadership-title { font-size: clamp(2.25rem, 10.5vw, 3.5rem); }
  .leadership-role { margin-bottom: var(--space-lg); }
  .leadership-bio { font-size: 1.0625rem; }
  .leadership-quote { padding-left: var(--space-md); }

  .page-cta { padding: var(--space-lg); }
  .contact-form { padding: var(--space-lg); }
  .form-group input,
  .form-group select { min-height: 48px; }

  .footer-nav { gap: var(--space-lg) var(--space-md); }
  .footer-col a { display: inline-block; padding: 0.25rem 0; }
  .regulatory-links { flex-wrap: wrap; justify-content: center; }
}

@media (max-width: 360px) {
  .hero-trust { grid-template-columns: 1fr; text-align: center; }
  .mobile-auth-actions { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Utility Classes
   ========================================================================== */

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.hidden { display: none !important; }

/* Animations */
@keyframes countUp {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

.animate-in {
  animation: countUp 0.6s ease forwards;
  opacity: 0;
}

/* Reduced Motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}