/* ==========================================================================
   BT Advisory — site styles
   ========================================================================== */

:root {
  --navy-900: #071c30;
  --navy-800: #0a2740;
  --navy-700: #0d3354;
  --navy-600: #154670;
  --gold-500: #b8925a;
  --gold-400: #cdaa76;
  --gold-100: #f3ead9;
  --cream: #f8f6f1;
  --paper: #ffffff;
  --ink: #14202c;
  --ink-soft: #4a5866;
  --line: #e4e0d6;

  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(7, 28, 48, .06), 0 2px 8px rgba(7, 28, 48, .05);
  --shadow-md: 0 10px 30px -10px rgba(7, 28, 48, .25);
  --container: 1180px;
  --gutter: clamp(16px, 4vw, 32px);
  --header-h: 76px;
  --ease: cubic-bezier(.2, .7, .2, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: var(--header-h); -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.7;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-600); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--gold-500); }
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 500; line-height: 1.15; margin: 0 0 .5em; color: var(--navy-800); letter-spacing: -.01em; }
p { margin: 0 0 1.1em; }
ul, ol { margin: 0; padding: 0; }
:focus-visible { outline: 2px solid var(--gold-500); outline-offset: 3px; border-radius: 4px; }

.skip-link {
  position: absolute; left: 16px; top: -100px; z-index: 200;
  background: var(--navy-800); color: #fff; padding: 10px 16px; border-radius: 8px;
}
.skip-link:focus { top: 16px; color: #fff; }

.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: var(--gutter); }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); border: 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55em;
  padding: .85em 1.5em; border-radius: 999px; border: 1px solid transparent;
  font: 600 .95rem/1 var(--font-body); letter-spacing: .01em; text-decoration: none;
  cursor: pointer; transition: background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease), transform .25s var(--ease);
}
.btn svg { width: 1.05em; height: 1.05em; transition: transform .25s var(--ease); }
.btn:hover svg { transform: translateX(3px); }
.btn--gold { background: var(--gold-500); color: var(--navy-900); }
.btn--gold:hover { background: var(--gold-400); color: var(--navy-900); }
.btn--navy { background: var(--navy-700); color: #fff; }
.btn--navy:hover { background: var(--navy-600); color: #fff; }
.btn--ghost { border-color: rgba(255, 255, 255, .45); color: #fff; }
.btn--ghost:hover { border-color: #fff; background: rgba(255, 255, 255, .08); color: #fff; }
.btn--outline { border-color: var(--navy-700); color: var(--navy-700); }
.btn--outline:hover { background: var(--navy-700); color: #fff; }

.link-arrow { display: inline-flex; align-items: center; gap: .4em; font-weight: 600; text-decoration: none; color: var(--navy-700); }
.link-arrow svg { width: 1em; height: 1em; transition: transform .25s var(--ease); }
.link-arrow:hover svg { transform: translateX(3px); }

/* ---------- Header ---------- */
.site-header {
  position: fixed; inset: 0 0 auto 0; z-index: 100; height: var(--header-h);
  display: flex; align-items: center;
  transition: background .3s var(--ease), box-shadow .3s var(--ease), color .3s;
  color: #fff;
}
.site-header.is-solid,
.site-header--solid {
  background: rgba(255, 255, 255, .94);
  backdrop-filter: saturate(160%) blur(12px);
  -webkit-backdrop-filter: saturate(160%) blur(12px);
  box-shadow: 0 1px 0 var(--line);
  color: var(--navy-800);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; }

.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: inherit; }
.brand:hover { color: inherit; }
.brand img { width: 44px; height: 42px; }
/* Light seal while the header sits over the dark hero; navy seal once it turns white */
.brand-logo--dark,
.site-header.is-solid .brand-logo--light,
.nav-open .site-header .brand-logo--light { display: none; }
.site-header.is-solid .brand-logo--dark,
.nav-open .site-header .brand-logo--dark { display: block; }
.brand-name { font-family: var(--font-display); font-size: 1.15rem; letter-spacing: .32em; text-transform: uppercase; font-weight: 500; white-space: nowrap; }

.nav { display: flex; align-items: center; gap: 6px; }
.nav a:not(.btn) {
  color: inherit; text-decoration: none; font-size: .93rem; font-weight: 500;
  padding: 8px 14px; border-radius: 999px; opacity: .88; transition: opacity .2s, background .2s;
}
.nav a:not(.btn):hover, .nav a.is-active { opacity: 1; background: rgba(127, 140, 155, .14); }
.nav .btn { margin-left: 10px; padding: .7em 1.25em; }

.nav-toggle {
  display: none; width: 44px; height: 44px; border: 0; background: transparent; color: inherit;
  border-radius: 10px; cursor: pointer; align-items: center; justify-content: center;
}
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  display: block; width: 22px; height: 2px; background: currentColor; border-radius: 2px;
  position: relative; transition: transform .3s var(--ease), background .2s;
}
.nav-toggle span::before, .nav-toggle span::after { content: ""; position: absolute; left: 0; }
.nav-toggle span::before { top: -7px; }
.nav-toggle span::after { top: 7px; }
.nav-open .nav-toggle span { background: transparent; }
.nav-open .nav-toggle span::before { transform: translateY(7px) rotate(45deg); }
.nav-open .nav-toggle span::after { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 900px) {
  .nav-toggle { display: inline-flex; }
  .nav {
    position: fixed; inset: var(--header-h) 0 auto 0;
    flex-direction: column; align-items: stretch; gap: 2px;
    padding: 12px var(--gutter) 24px; background: #fff; color: var(--navy-800);
    box-shadow: 0 20px 30px -20px rgba(7, 28, 48, .35);
    transform: translateY(-8px); opacity: 0; visibility: hidden;
    transition: opacity .25s var(--ease), transform .25s var(--ease), visibility .25s;
  }
  .nav a:not(.btn) { padding: 14px 12px; font-size: 1.05rem; border-radius: 10px; }
  .nav .btn { margin: 10px 0 0; padding: 1em; }
  .nav-open .nav { opacity: 1; transform: none; visibility: visible; }
  .nav-open .site-header { background: #fff; color: var(--navy-800); }
}
@media (max-width: 420px) {
  .brand-name { font-size: 1rem; letter-spacing: .24em; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative; min-height: min(100svh, 920px); display: flex; align-items: flex-end;
  color: #fff; isolation: isolate; overflow: hidden;
  padding: calc(var(--header-h) + 64px) 0 0;
}
.hero-media { position: absolute; inset: 0; z-index: -2; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; object-position: 30% 50%; transform: scale(1.04); animation: heroZoom 18s var(--ease) forwards; }
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(180deg, rgba(7, 28, 48, .55) 0%, rgba(7, 28, 48, .25) 35%, rgba(7, 28, 48, .85) 78%, var(--navy-900) 100%),
    linear-gradient(90deg, rgba(7, 28, 48, .7) 0%, rgba(7, 28, 48, 0) 70%);
}
@keyframes heroZoom { to { transform: scale(1); } }

.hero-content { max-width: 760px; padding-bottom: 56px; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: .8rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: var(--gold-400);
  margin-bottom: 18px;
}
.eyebrow::before { content: ""; width: 28px; height: 1px; background: currentColor; }
.hero h1 { color: #fff; font-size: clamp(2.6rem, 6.4vw, 5rem); font-weight: 400; margin-bottom: 20px; }
.hero h1 em { font-style: italic; color: var(--gold-400); }
.hero-lead { font-size: clamp(1.05rem, 1.6vw, 1.25rem); color: rgba(255, 255, 255, .85); max-width: 600px; margin-bottom: 32px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }

.hero-stats {
  display: grid; grid-template-columns: repeat(3, 1fr);
  border-top: 1px solid rgba(255, 255, 255, .16);
}
.stat { padding: 28px 24px 32px 0; }
.stat + .stat { padding-left: 24px; border-left: 1px solid rgba(255, 255, 255, .16); }
.stat-value { font-family: var(--font-display); font-size: clamp(1.8rem, 3.4vw, 2.6rem); line-height: 1; color: #fff; }
.stat-label { font-size: .88rem; color: rgba(255, 255, 255, .7); margin-top: 8px; }
@media (max-width: 640px) {
  .hero-stats { grid-template-columns: 1fr; }
  .stat, .stat + .stat { padding: 18px 0; border-left: 0; }
  .stat + .stat { border-top: 1px solid rgba(255, 255, 255, .12); }
}

/* ---------- Page hero (subpages) ---------- */
.page-hero {
  position: relative; color: #fff; isolation: isolate; overflow: hidden;
  padding: calc(var(--header-h) + 72px) 0 72px; background: var(--navy-900);
}
.page-hero .hero-media img { animation: none; transform: none; opacity: .35; }
.page-hero::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(90deg, var(--navy-900) 15%, rgba(7, 28, 48, .5) 100%);
}
.page-hero h1 { color: #fff; font-size: clamp(2.2rem, 5vw, 3.8rem); font-weight: 400; max-width: 820px; }
.page-hero p { color: rgba(255, 255, 255, .8); font-size: 1.15rem; max-width: 640px; margin: 0; }
.breadcrumb { display: flex; gap: 8px; font-size: .85rem; margin-bottom: 20px; color: rgba(255, 255, 255, .6); }
.breadcrumb a { color: rgba(255, 255, 255, .8); text-decoration: none; }
.breadcrumb a:hover { color: var(--gold-400); }

/* ---------- Sections ---------- */
.section { padding: clamp(72px, 10vw, 128px) 0; }
.section--paper { background: var(--paper); }
.section--navy { background: var(--navy-900); color: rgba(255, 255, 255, .82); }
.section--navy h2, .section--navy h3 { color: #fff; }

.section-head { max-width: 720px; margin-bottom: clamp(40px, 6vw, 64px); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-head--center .eyebrow::after { content: ""; width: 28px; height: 1px; background: currentColor; }
.section-head h2 { font-size: clamp(2rem, 4vw, 3rem); }
.section-head p { font-size: 1.15rem; color: var(--ink-soft); margin: 0; }
.section--navy .section-head p { color: rgba(255, 255, 255, .72); }
.eyebrow--dark { color: var(--gold-500); }

/* ---------- Service cards ---------- */
.services { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
@media (max-width: 860px) { .services { grid-template-columns: 1fr; } }

.card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: clamp(28px, 4vw, 44px); box-shadow: var(--shadow-sm);
  display: flex; flex-direction: column;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }
.card-icon {
  width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center;
  background: var(--gold-100); color: var(--navy-700); margin-bottom: 24px;
}
.card-icon svg { width: 28px; height: 28px; }
.card-tag { font-size: .78rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-500); margin-bottom: 8px; }
.card h3 { font-size: clamp(1.6rem, 2.6vw, 2rem); margin-bottom: 20px; }
.card h4 { font-family: var(--font-body); font-size: 1rem; font-weight: 600; color: var(--navy-700); margin: 0 0 6px; }
.card p { color: var(--ink-soft); }
.card-block + .card-block { padding-top: 20px; border-top: 1px solid var(--line); }
.card-footer { margin-top: auto; padding-top: 12px; }

.card--dark { background: var(--navy-800); border-color: var(--navy-800); color: rgba(255, 255, 255, .8); }
.card--dark h3 { color: #fff; }
.card--dark p { color: rgba(255, 255, 255, .75); }
.card--dark .card-icon { background: rgba(184, 146, 90, .16); color: var(--gold-400); }
.card--dark .note { border-color: rgba(255, 255, 255, .14); color: rgba(255, 255, 255, .7); }
.note { font-size: .9rem; border-left: 2px solid var(--gold-500); padding: 4px 0 4px 14px; margin-bottom: 1.4em; }

/* ---------- Approach ---------- */
.approach { display: grid; grid-template-columns: 1fr 1.25fr; gap: clamp(40px, 6vw, 88px); align-items: center; }
@media (max-width: 900px) { .approach { grid-template-columns: 1fr; } }
.approach-quote { font-family: var(--font-display); font-size: clamp(2rem, 4.2vw, 3.2rem); line-height: 1.1; color: #fff; font-weight: 400; margin-bottom: 24px; }
.approach-quote em { color: var(--gold-400); }
.steps { list-style: none; display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: rgba(255, 255, 255, .1); border-radius: var(--radius-lg); overflow: hidden; }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.steps li { background: var(--navy-900); padding: 28px; }
.step-num { font-family: var(--font-display); font-size: .95rem; color: var(--gold-400); margin-bottom: 14px; display: block; }
.steps h3 { font-size: 1.35rem; margin-bottom: 8px; }
.steps p { font-size: .95rem; margin: 0; color: rgba(255, 255, 255, .68); }

/* ---------- Deals ---------- */
.deals { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
@media (max-width: 1000px) { .deals { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .deals { grid-template-columns: 1fr; } }
.deal {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px 24px; display: flex; flex-direction: column; gap: 10px;
  transition: transform .3s var(--ease), box-shadow .3s var(--ease);
}
.deal:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.deal-cat { font-size: .74rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-500); }
.deal-amount { font-family: var(--font-display); font-size: 2.2rem; line-height: 1; color: var(--navy-800); }
.deal-desc { font-size: .95rem; color: var(--ink-soft); margin: 0; }
.section-cta { margin-top: 40px; display: flex; justify-content: center; }

/* Deal groups (full page) */
.deal-group + .deal-group { margin-top: 56px; }
.deal-group-head { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; border-bottom: 1px solid var(--line); padding-bottom: 14px; margin-bottom: 24px; flex-wrap: wrap; }
.deal-group-head h3 { font-size: 1.6rem; margin: 0; }
.deal-group-head span { font-size: .9rem; color: var(--ink-soft); }
.deals--list { grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); }

.category-title { font-size: clamp(1.8rem, 3.4vw, 2.5rem); margin: 0 0 32px; }
.category + .category { margin-top: clamp(64px, 8vw, 96px); }

/* ---------- Gallery ---------- */
.gallery { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
@media (max-width: 720px) { .gallery { grid-template-columns: 1fr 1fr; } }
@media (max-width: 460px) { .gallery { grid-template-columns: 1fr; } }
.gallery figure { margin: 0; border-radius: var(--radius); overflow: hidden; background: var(--line); aspect-ratio: 4 / 5; }
.gallery img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s var(--ease); }
.gallery figure:hover img { transform: scale(1.04); }

/* ---------- Team ---------- */
.profile {
  display: grid; grid-template-columns: minmax(240px, 340px) 1fr; gap: clamp(32px, 5vw, 64px);
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: clamp(24px, 4vw, 48px); box-shadow: var(--shadow-sm);
}
@media (max-width: 820px) { .profile { grid-template-columns: 1fr; } }
.profile-photo { position: relative; }
.profile-photo img { width: 100%; aspect-ratio: 1; object-fit: cover; border-radius: var(--radius); }
.profile-photo::after {
  content: ""; position: absolute; inset: 14px -14px -14px 14px; z-index: -1;
  border: 1px solid var(--gold-500); border-radius: var(--radius);
}
.profile-photo { isolation: isolate; margin: 0 14px 14px 0; }
.profile h3 { font-size: clamp(1.9rem, 3vw, 2.4rem); margin-bottom: 4px; }
.profile-role { font-weight: 600; color: var(--gold-500); font-size: .95rem; margin-bottom: 24px; }
.profile-bio p { color: var(--ink-soft); }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin: 8px 0 24px; list-style: none; }
.chips li { font-size: .82rem; font-weight: 500; background: var(--cream); border: 1px solid var(--line); padding: 6px 12px; border-radius: 999px; color: var(--navy-700); }
.profile-meta { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; padding-top: 24px; border-top: 1px solid var(--line); font-size: .92rem; }
.profile-meta dt { font-size: .74rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--ink-soft); margin-bottom: 4px; }
.profile-meta dd { margin: 0; color: var(--ink); }
.contact-links { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.contact-links a {
  display: inline-flex; align-items: center; gap: 8px; text-decoration: none; font-weight: 500; font-size: .92rem;
  padding: 10px 16px; border: 1px solid var(--line); border-radius: 999px; color: var(--navy-700); transition: border-color .2s, background .2s;
}
.contact-links a:hover { border-color: var(--navy-700); background: var(--cream); color: var(--navy-700); }
.contact-links svg { width: 18px; height: 18px; }

/* ---------- Contact ---------- */
.contact { display: grid; grid-template-columns: 1.3fr 1fr; gap: 24px; }
@media (max-width: 900px) { .contact { grid-template-columns: 1fr; } }
.form-card { background: var(--paper); border-radius: var(--radius-lg); padding: clamp(24px, 4vw, 44px); color: var(--ink); }
.form-card h3 { font-size: 1.7rem; color: var(--navy-800); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .form-grid { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 6px; }
.field--full { grid-column: 1 / -1; }
.field label, .field legend { font-size: .85rem; font-weight: 600; color: var(--navy-800); padding: 0; }
.field input, .field textarea {
  font: inherit; font-size: 1rem; color: var(--ink); background: var(--cream);
  border: 1px solid var(--line); border-radius: 10px; padding: 12px 14px; width: 100%;
  transition: border-color .2s, box-shadow .2s, background .2s;
}
.field textarea { min-height: 150px; resize: vertical; }
.field input:focus, .field textarea:focus { outline: none; border-color: var(--navy-600); background: #fff; box-shadow: 0 0 0 4px rgba(21, 70, 112, .12); }
.field input:user-invalid, .field textarea:user-invalid { border-color: #b3261e; }
fieldset.field { border: 0; margin: 0; padding: 0; }
.segmented { display: inline-flex; align-self: flex-start;background: var(--cream); border: 1px solid var(--line); border-radius: 999px; padding: 4px; gap: 4px; }
.segmented input { position: absolute; opacity: 0; pointer-events: none; }
.segmented label { padding: 8px 18px; border-radius: 999px; cursor: pointer; font-weight: 500; font-size: .92rem; color: var(--ink-soft); transition: background .2s, color .2s; }
.segmented input:checked + label { background: var(--navy-700); color: #fff; }
.segmented input:focus-visible + label { outline: 2px solid var(--gold-500); outline-offset: 2px; }
.form-actions { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; margin-top: 8px; }
.form-hint { font-size: .85rem; color: var(--ink-soft); margin: 0; }
.form-status { font-size: .92rem; margin: 12px 0 0; min-height: 1.4em; }
.form-status.is-ok { color: #1d6b3a; }
.form-status.is-err { color: #b3261e; }

.info-card { background: var(--navy-800); border: 1px solid rgba(255, 255, 255, .08); border-radius: var(--radius-lg); padding: clamp(24px, 4vw, 40px); display: flex; flex-direction: column; gap: 24px; }
.info-item { display: flex; gap: 16px; }
.info-item svg { flex: none; width: 22px; height: 22px; color: var(--gold-400); margin-top: 3px; }
.info-item h4 { font-family: var(--font-body); font-size: .76rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: rgba(255, 255, 255, .55); margin: 0 0 4px; }
.info-item p, .info-item address { margin: 0; font-style: normal; color: #fff; }
.info-item a { color: #fff; text-decoration: none; }
.info-item a:hover { color: var(--gold-400); }
.map { border-radius: var(--radius); overflow: hidden; aspect-ratio: 16 / 10; background: var(--navy-700); margin-top: auto; }
.map iframe { width: 100%; height: 100%; border: 0; filter: grayscale(.4) contrast(1.05); }

/* ---------- Prose / Investors ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(40px, 6vw, 88px); align-items: start; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }
.prose p { color: var(--ink-soft); font-size: 1.08rem; }
.prose .lead { font-size: 1.3rem; color: var(--ink); font-family: var(--font-display); line-height: 1.45; }
.highlight-card { background: var(--navy-800); color: #fff; border-radius: var(--radius-lg); padding: clamp(28px, 4vw, 44px); position: sticky; top: calc(var(--header-h) + 24px); }
.highlight-card .stat-value { font-size: clamp(2.6rem, 5vw, 3.6rem); }
.highlight-card .stat + .stat { padding-left: 0; border-left: 0; border-top: 1px solid rgba(255, 255, 255, .14); padding-top: 24px; }
.highlight-card .stat { padding: 0 0 24px; }
.highlight-card .note { margin: 8px 0 0; border-color: var(--gold-500); color: rgba(255, 255, 255, .65); font-size: .82rem; }

.criteria { list-style: none; display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; counter-reset: c; }
@media (max-width: 760px) { .criteria { grid-template-columns: 1fr; } }
.criteria li { position: relative; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 28px 28px 84px; counter-increment: c; }
.criteria li::before {
  content: counter(c); position: absolute; left: 24px; top: 26px; width: 40px; height: 40px; border-radius: 50%;
  display: grid; place-items: center; background: var(--gold-100); color: var(--navy-800);
  font-family: var(--font-display); font-size: 1.2rem;
}
.criteria h3 { font-family: var(--font-body); font-size: 1.05rem; font-weight: 600; margin-bottom: 6px; }
.criteria p { font-size: .95rem; color: var(--ink-soft); margin: 0; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--navy-800); border-radius: var(--radius-lg); padding: clamp(32px, 5vw, 56px); display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; color: rgba(255, 255, 255, .8); position: relative; overflow: hidden; }
.cta-band::after { content: ""; position: absolute; right: -80px; top: -80px; width: 260px; height: 260px; border-radius: 50%; border: 1px solid rgba(205, 170, 118, .3); }
.cta-band h2 { color: #fff; font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 6px; }
.cta-band p { margin: 0; }

/* ---------- Disclosures & footer ---------- */
.disclosure { background: var(--cream); border-top: 1px solid var(--line); padding: 48px 0; }
.disclosure h2 { font-family: var(--font-body); font-size: .78rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--ink-soft); margin-bottom: 12px; }
.disclosure p { font-size: .88rem; color: var(--ink-soft); max-width: 980px; margin: 0; }

.site-footer { background: var(--navy-900); color: rgba(255, 255, 255, .65); padding: 64px 0 28px; font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer .brand { color: #fff; margin-bottom: 16px; }
.site-footer h3 { font-family: var(--font-body); font-size: .76rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: #fff; margin-bottom: 16px; }
.site-footer ul { list-style: none; display: grid; gap: 8px; }
.site-footer a { color: rgba(255, 255, 255, .75); text-decoration: none; }
.site-footer a:hover { color: var(--gold-400); }
.site-footer address { font-style: normal; }
.footer-bottom { margin-top: 48px; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, .1); display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .85rem; }

/* ---------- Reveal animations ---------- */
.js .reveal { opacity: 0; transform: translateY(24px); transition: opacity .8s var(--ease), transform .8s var(--ease); transition-delay: var(--d, 0s); }
.js .reveal.is-in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .js .reveal { opacity: 1; transform: none; }
}