/* ============================================================
   investwithexl.com — EXL Capital Group
   Single stylesheet · dark-only · premium glassmorphism
   Design tokens per MASTER BUILD PROMPT (authoritative visuals)
   ============================================================ */

/* ---------- 1. DESIGN TOKENS ---------- */
:root {
  /* Backgrounds */
  --bg:                #0A0B0F;
  --surface:           #111318;
  --surface-raised:    #181B22;
  --surface-hover:     #1E2230;

  /* Borders */
  --border:            rgba(255, 255, 255, 0.08);
  --border-subtle:     rgba(255, 255, 255, 0.04);
  --border-accent:     rgba(37, 99, 235, 0.5);

  /* EXL Blue accent */
  --accent:            #2563EB;
  --accent-hover:      #3B76F5;
  --accent-glow:       rgba(37, 99, 235, 0.25);
  --accent-muted:      rgba(37, 99, 235, 0.12);
  --accent-deep:       #0A4FB0;

  /* Display (serif) type — pairs with Inter body */
  --font-display:      'Fraunces', Georgia, 'Times New Roman', serif;

  /* Text */
  --text-primary:      #F0F2F7;
  --text-secondary:    #8A90A2;
  --text-muted:        #4A5060;
  --text-on-accent:    #FFFFFF;

  /* Status badges */
  --status-open:       #2563EB;
  --status-open-bg:    rgba(37, 99, 235, 0.15);
  --status-funded:     #16A34A;
  --status-funded-bg:  rgba(22, 163, 74, 0.15);
  --status-done:       #9AA1B2;
  --status-done-bg:    rgba(107, 114, 128, 0.18);
  --status-progress:   #D97706;
  --status-progress-bg:rgba(217, 119, 6, 0.15);

  /* Glass */
  --glass-bg:          rgba(255, 255, 255, 0.04);
  --glass-border:      rgba(255, 255, 255, 0.10);
  --glass-blur:        20px;
  --glass-bg-strong:   rgba(255, 255, 255, 0.07);

  /* Shadows */
  --shadow-card:       0 1px 3px rgba(0,0,0,0.4), 0 4px 16px rgba(0,0,0,0.3);
  --shadow-elevated:   0 8px 32px rgba(0,0,0,0.5), 0 2px 8px rgba(0,0,0,0.3);
  --shadow-accent:     0 0 24px rgba(37, 99, 235, 0.3);

  /* Radius */
  --radius-sm:   6px;
  --radius-md:   10px;
  --radius-lg:   16px;
  --radius-xl:   24px;
  --radius-pill: 999px;

  /* Transitions */
  --transition-fast:   150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-base:   250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow:   400ms cubic-bezier(0.4, 0, 0.2, 1);

  /* Layout */
  --nav-h:       68px;
  --max-w:       1160px;
}

/* ---------- 2. RESET / BASE ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; scroll-padding-top: calc(var(--nav-h) + 24px); -webkit-text-size-adjust: 100%; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--bg);
  color: var(--text-primary);
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: var(--accent); text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
ul, ol { list-style: none; }

/* ---------- 3. TYPOGRAPHY ---------- */
h1 { font-family: var(--font-display); font-size: clamp(2.35rem, 5vw, 3.7rem); font-weight: 600; line-height: 1.06; letter-spacing: -0.018em; font-variation-settings: 'opsz' 144, 'SOFT' 0, 'WONK' 0; }
h2 { font-family: var(--font-display); font-size: clamp(1.7rem, 3.5vw, 2.4rem); font-weight: 600; line-height: 1.14; letter-spacing: -0.012em; font-variation-settings: 'opsz' 96, 'SOFT' 0, 'WONK' 0; }
h3 { font-size: clamp(1.1rem, 2vw, 1.35rem); font-weight: 600; line-height: 1.3; }
h4 { font-size: 1rem; font-weight: 600; line-height: 1.4; }

p { color: var(--text-secondary); }

.text-large  { font-size: 1.125rem; line-height: 1.6; color: var(--text-secondary); }
.text-small  { font-size: 0.875rem; color: var(--text-secondary); }
.text-legal  { font-size: 0.8125rem; color: var(--text-muted); line-height: 1.5; }
.text-primary { color: var(--text-primary); }
.text-center { text-align: center; }
.measure { max-width: 720px; }
.measure-narrow { max-width: 580px; }

.eyebrow {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 16px;
}

.gradient-text {
  background: linear-gradient(135deg, #F0F2F7 0%, #8A90A2 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.gradient-text-accent {
  background: linear-gradient(135deg, #2563EB 0%, #6BA3FF 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ---------- 4. LAYOUT ---------- */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
@media (min-width: 768px)  { .container { padding: 0 40px; } }
@media (min-width: 1200px) { .container { padding: 0 60px; } }

.section { padding: 80px 0; }
@media (max-width: 768px) { .section { padding: 60px 0; } }

.section-head { max-width: 760px; margin-bottom: 40px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head p { margin-top: 16px; }

.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
@media (max-width: 1024px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px)  { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.section-divider {
  height: 1px; border: 0;
  background: linear-gradient(90deg, transparent 0%, var(--border) 20%, var(--border) 80%, transparent 100%);
  margin: 0;
}

.surface-band { background: var(--surface); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }

/* ---------- 5. SKIP LINK + FOCUS ---------- */
.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 3000;
  background: var(--accent); color: #fff; padding: 10px 18px;
  border-radius: var(--radius-md); font-weight: 600; font-size: 14px;
  transition: top var(--transition-base);
}
.skip-link:focus { top: 12px; }

a:focus-visible, button:focus-visible, input:focus-visible,
select:focus-visible, textarea:focus-visible, [tabindex]:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 3px;
  border-radius: 4px;
}

/* ---------- 6. BUTTONS ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: inherit; font-size: 15px; font-weight: 600;
  border-radius: var(--radius-md); padding: 13px 26px;
  text-decoration: none; border: 1px solid transparent;
  cursor: pointer; white-space: nowrap;
  transition: all var(--transition-base);
  position: relative; overflow: hidden;
}
.btn svg { width: 16px; height: 16px; flex-shrink: 0; }

.btn-primary {
  background: radial-gradient(125% 125% at 28% 18%, var(--accent-hover), var(--accent) 62%); color: #fff; border-color: var(--accent);
  box-shadow: 0 1px 3px rgba(0,0,0,0.3), 0 0 0 0 var(--accent-glow);
}
.btn-primary:hover {
  background: var(--accent-hover); border-color: var(--accent-hover);
  box-shadow: 0 4px 16px rgba(37,99,235,0.4); transform: translateY(-1px);
}
.btn-primary:active { transform: translateY(0); }

.btn-ghost {
  background: var(--glass-bg); color: var(--text-primary);
  border-color: var(--glass-border); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
}
.btn-ghost:hover { background: var(--accent-muted); border-color: var(--accent); color: var(--accent); }

.btn-lg { padding: 16px 32px; font-size: 16px; border-radius: var(--radius-lg); }
.btn-sm { padding: 8px 16px; font-size: 13px; }
.btn-full { width: 100%; }

.btn-row { display: flex; flex-wrap: wrap; gap: 14px; }
.btn-row.center { justify-content: center; }

/* ---------- 7. NAVBAR ---------- */
.nav {
  position: fixed; top: 0; left: 0; width: 100%; height: var(--nav-h);
  z-index: 1000; display: flex; align-items: center;
  background: transparent; border-bottom: 1px solid transparent;
  transition: background var(--transition-base), border-color var(--transition-base), backdrop-filter var(--transition-base);
}
.nav.scrolled {
  background: rgba(10, 11, 15, 0.75);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border-bottom: 1px solid var(--border);
}
.nav__inner {
  max-width: var(--max-w); width: 100%; margin: 0 auto; padding: 0 24px;
  display: flex; align-items: center; gap: 24px;
}
@media (min-width: 1200px) { .nav__inner { padding: 0 60px; } }
.nav__logo {
  display: flex; align-items: center;
  background: #fff; padding: 7px 16px; border-radius: 12px;
  box-shadow: 0 2px 14px rgba(0,0,0,0.30);
  transition: opacity var(--transition-base), transform var(--transition-base), box-shadow var(--transition-base);
}
.nav__logo:hover { opacity: 0.95; transform: translateY(-1px); box-shadow: 0 4px 18px rgba(0,0,0,0.4); }
.nav__logo img { height: 52px; width: auto; display: block; }
/* Pill-group nav links (buywithexl-style segmented control) */
.nav__links {
  display: flex; align-items: center; gap: 2px; margin-left: 18px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--radius-pill);
  padding: 5px;
  backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
}
.nav__link {
  color: var(--text-secondary); font-size: 13.5px; font-weight: 500;
  padding: 8px 13px; border-radius: var(--radius-pill); white-space: nowrap;
  transition: background var(--transition-base), color var(--transition-base);
}
.nav__link:hover { background: rgba(255,255,255,0.09); color: var(--text-primary); }
.nav__link[aria-current="page"] { background: var(--accent-muted); color: var(--accent); box-shadow: inset 0 0 0 1px var(--border-accent); }
.nav__actions { display: flex; align-items: center; gap: 12px; margin-left: auto; }
.nav__cta {
  font-size: 14px; font-weight: 600; padding: 9px 20px; border-radius: var(--radius-md);
  transition: all var(--transition-base);
}
.nav__cta--ghost {
  border: 1px solid var(--glass-border); background: var(--glass-bg);
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); color: var(--text-primary);
}
.nav__cta--ghost:hover { border-color: var(--accent); background: var(--accent-muted); color: var(--accent); }
.nav__cta--primary {
  background: var(--accent); color: #fff; border: 1px solid transparent;
  box-shadow: 0 0 0 0 var(--accent-glow);
}
.nav__cta--primary:hover { background: var(--accent-hover); box-shadow: 0 0 16px var(--accent-glow); transform: translateY(-1px); }

/* Hamburger */
.nav__toggle {
  display: none; width: 40px; height: 40px; margin-left: auto;
  background: transparent; border: 0; position: relative;
}
.nav__toggle span {
  position: absolute; left: 8px; width: 24px; height: 2px; background: var(--text-primary);
  border-radius: 2px; transition: transform var(--transition-base), opacity var(--transition-base), top var(--transition-base);
}
.nav__toggle span:nth-child(1) { top: 13px; }
.nav__toggle span:nth-child(2) { top: 19px; }
.nav__toggle span:nth-child(3) { top: 25px; }
body.menu-open .nav__toggle span:nth-child(1) { top: 19px; transform: rotate(45deg); }
body.menu-open .nav__toggle span:nth-child(2) { opacity: 0; }
body.menu-open .nav__toggle span:nth-child(3) { top: 19px; transform: rotate(-45deg); }

/* Mobile drawer */
.nav__drawer {
  position: fixed; inset: 0; z-index: 999;
  background: rgba(10,11,15,0.97); backdrop-filter: blur(24px); -webkit-backdrop-filter: blur(24px);
  display: flex; flex-direction: column; padding: calc(var(--nav-h) + 24px) 28px 36px;
  transform: translateY(-100%); opacity: 0; visibility: hidden; pointer-events: none;
  transition: transform var(--transition-base), opacity var(--transition-base), visibility var(--transition-base);
  overflow-y: auto;
}
body.menu-open .nav__drawer { transform: translateY(0); opacity: 1; visibility: visible; pointer-events: auto; }
.nav__drawer a.nav__drawer-link {
  display: block; color: var(--text-primary); font-size: 20px; font-weight: 500;
  padding: 18px 0; border-bottom: 1px solid var(--border);
}
.nav__drawer-actions { margin-top: 28px; display: flex; flex-direction: column; gap: 14px; }

@media (max-width: 1040px) {
  .nav__links, .nav__actions { display: none; }
  .nav__toggle { display: block; }
}
@media (min-width: 1041px) { .nav__drawer { display: none; } }

/* ---------- 8. HERO + ORBS ---------- */
.hero {
  position: relative; min-height: 80vh; display: flex; align-items: center;
  padding: calc(var(--nav-h) + 28px) 0 60px; overflow: hidden;
}
.hero--short { min-height: 56vh; }
.hero__bg { position: absolute; inset: 0; z-index: 0; overflow: hidden; }
/* Blueprint graph grid (fine + coarse), faded toward edges */
.hero__bg::before {
  content: ''; position: absolute; inset: -10%; z-index: 0; pointer-events: none;
  background-image:
    linear-gradient(rgba(37,99,235,0.07) 1px, transparent 1px),
    linear-gradient(90deg, rgba(37,99,235,0.07) 1px, transparent 1px),
    linear-gradient(rgba(37,99,235,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(37,99,235,0.035) 1px, transparent 1px);
  background-size: 128px 128px, 128px 128px, 32px 32px, 32px 32px;
  -webkit-mask-image: radial-gradient(ellipse 75% 65% at 50% 42%, #000 0%, rgba(0,0,0,0.35) 55%, transparent 80%);
  mask-image: radial-gradient(ellipse 75% 65% at 50% 42%, #000 0%, rgba(0,0,0,0.35) 55%, transparent 80%);
}
/* Faint line-art buildings + house motif (echoes the EXL mark), bottom-right */
.hero__bg::after {
  content: ''; position: absolute; right: -16px; bottom: -8px; width: 460px; height: 340px; z-index: 0; pointer-events: none; opacity: 0.16;
  background: no-repeat right bottom / contain url("data:image/svg+xml,<svg xmlns='http://www.w3.org/2000/svg' width='460' height='340' viewBox='0 0 460 340' fill='none' stroke='%232563EB' stroke-width='2'><rect x='40' y='60' width='54' height='250'/><rect x='104' y='100' width='46' height='210'/><rect x='160' y='30' width='42' height='280'/><path d='M40 100h54M40 140h54M40 180h54M40 220h54M40 260h54'/><path d='M250 200l78-56 78 56'/><rect x='268' y='200' width='120' height='110'/><rect x='305' y='250' width='44' height='60'/><rect x='283' y='216' width='24' height='24'/><rect x='349' y='216' width='24' height='24'/></svg>");
}
@media (max-width: 720px) { .hero__bg::after { width: 280px; height: 210px; opacity: 0.12; } }
.hero__content { position: relative; z-index: 1; width: 100%; }
.orb { position: absolute; border-radius: 50%; filter: blur(80px); pointer-events: none; user-select: none; animation: orbFloat 12s ease-in-out infinite alternate; }
.orb-1 {
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(37,99,235,0.18) 0%, transparent 70%);
  top: -200px; right: -100px; animation-delay: 0s;
}
.orb-2 {
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(120,80,220,0.12) 0%, transparent 70%);
  bottom: -120px; left: -100px; animation-delay: -6s;
}
@keyframes orbFloat {
  0%   { transform: translate(0, 0) scale(1); }
  100% { transform: translate(30px, -40px) scale(1.05); }
}
.hero h1 { margin-bottom: 22px; }
.hero h1 span { display: block; }
.hero__sub { font-size: 1.125rem; line-height: 1.6; color: var(--text-secondary); max-width: 640px; margin-bottom: 28px; }

/* ---------- 9. TRUST PILLS ---------- */
.trust-row { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 30px; }
.trust-pill {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--accent-muted); border: 1px solid var(--border-accent);
  border-radius: var(--radius-pill); padding: 6px 14px;
  font-size: 13px; font-weight: 500; color: var(--text-primary);
}
.trust-pill svg { color: var(--accent); width: 14px; height: 14px; flex-shrink: 0; }

.trust-strip { display: flex; flex-wrap: wrap; gap: 14px 24px; margin-top: 28px; }
.trust-strip li { display: flex; align-items: center; gap: 8px; font-size: 14px; color: var(--text-secondary); }
.trust-strip svg { color: var(--accent); width: 16px; height: 16px; flex-shrink: 0; }

/* ---------- 10. STATS BAR ---------- */
.statsbar { padding: 0; }
.statsbar__grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.statsbar__item { padding: 40px 24px; text-align: center; border-left: 1px solid var(--border); }
.statsbar__item:first-child { border-left: 0; }
.stat-number { font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; letter-spacing: -0.03em; line-height: 1; color: var(--text-primary); }
.stat-label  { font-size: 0.8125rem; font-weight: 500; color: var(--text-secondary); margin-top: 10px; }
@media (max-width: 768px) {
  .statsbar__grid { grid-template-columns: repeat(2, 1fr); }
  .statsbar__item:nth-child(odd) { border-left: 0; }
  .statsbar__item:nth-child(n+3) { border-top: 1px solid var(--border); }
}

/* big stat row (social proof) */
.bigstats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.bigstats .stat-number { color: var(--text-primary); }
@media (max-width: 768px) { .bigstats { grid-template-columns: repeat(2, 1fr); gap: 28px 16px; } }

/* ---------- 11. GLASS CARDS ---------- */
.glass-card {
  background: var(--glass-bg); border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  box-shadow: var(--shadow-card); padding: 32px;
  transition: border-color var(--transition-base), box-shadow var(--transition-base), transform var(--transition-base);
}
.glass-card:hover { border-color: var(--border-accent); box-shadow: var(--shadow-elevated), 0 0 0 1px var(--border-accent); transform: translateY(-2px); }
.glass-card--flush:hover { transform: none; }
@media (max-width: 640px) { .glass-card { padding: 24px; } }

.card-icon {
  width: 46px; height: 46px; border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  background: var(--accent-muted); border: 1px solid var(--border-accent);
  color: var(--accent); margin-bottom: 20px;
}
.card-icon svg { width: 22px; height: 22px; }
.card-num {
  font-size: 12px; font-weight: 700; letter-spacing: 0.1em; color: var(--accent);
  margin-bottom: 14px; display: block;
}
.glass-card h3 { margin-bottom: 12px; }
.glass-card p { font-size: 0.95rem; }
.card-eyebrow { font-size: 11px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--accent); display: block; margin-bottom: 10px; }

/* ---------- 12. PROGRAM CARDS ---------- */
.program-card { display: flex; flex-direction: column; }
.program-card .return-figure { font-size: clamp(1.8rem, 3vw, 2.2rem); font-weight: 700; letter-spacing: -0.02em; margin: 6px 0 2px; }
.program-meta { display: flex; flex-wrap: wrap; gap: 8px; margin: 14px 0; }
.meta-pill { font-size: 12px; font-weight: 500; color: var(--text-secondary); background: var(--surface-raised); border: 1px solid var(--border); border-radius: var(--radius-pill); padding: 5px 12px; }
.program-card p { flex-grow: 1; }
.program-card .btn { margin-top: 18px; align-self: flex-start; }

/* ---------- 13. STATUS BADGES ---------- */
.badge {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 11px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  border-radius: var(--radius-sm); padding: 5px 11px;
}
.badge--open     { background: var(--status-open-bg);     color: #6BA3FF; }
.badge--funded   { background: var(--status-funded-bg);   color: #4ADE80; }
.badge--completed{ background: var(--status-done-bg);     color: var(--status-done); }
.badge--progress { background: var(--status-progress-bg); color: #FBBF24; }
.badge--closing  { background: var(--status-progress-bg); color: #FBBF24; }
.badge-dot { width: 6px; height: 6px; border-radius: 50%; background: currentColor; }

/* program-type pill */
.type-pill { font-size: 11px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--text-secondary); border: 1px solid var(--border); border-radius: var(--radius-pill); padding: 4px 12px; }

/* ---------- 14. DEAL / PROJECT CARDS ---------- */
.deal-card { display: flex; flex-direction: column; }
.deal-card__top { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 18px; }
.deal-card h3 { margin-bottom: 4px; }
.deal-card__type { font-size: 13px; color: var(--text-secondary); margin-bottom: 18px; }
.deal-stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: var(--radius-md); overflow: hidden; margin-bottom: 18px; }
.deal-stat { background: var(--surface); padding: 14px 16px; }
.deal-stat .k { font-size: 11px; text-transform: uppercase; letter-spacing: 0.06em; color: var(--text-muted); }
.deal-stat .v { font-size: 0.95rem; font-weight: 600; color: var(--text-primary); margin-top: 4px; }
.deal-card.is-hidden { display: none; }

.featured-deal { display: grid; grid-template-columns: 1.3fr 1fr; gap: 0; overflow: hidden; padding: 0; }
.featured-deal__body { padding: 40px; }
.featured-deal__side { background: var(--surface-raised); border-left: 1px solid var(--border); padding: 40px; display: flex; flex-direction: column; justify-content: center; }
@media (max-width: 760px) { .featured-deal { grid-template-columns: 1fr; } .featured-deal__side { border-left: 0; border-top: 1px solid var(--border); } .featured-deal__body, .featured-deal__side { padding: 28px; } }

/* ---------- 15. IMAGE + TBD PLACEHOLDERS ---------- */
.img-placeholder {
  background: var(--surface-raised); border: 1px dashed var(--border); border-radius: var(--radius-md);
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 8px;
  color: var(--text-muted); font-size: 13px; min-height: 220px;
}
.img-placeholder svg { width: 28px; height: 28px; opacity: 0.4; }

.tbd {
  display: inline-block; font-style: normal; font-weight: 600; font-size: 0.85em;
  color: #FBBF24; background: rgba(217,119,6,0.10); border: 1px dashed rgba(217,119,6,0.45);
  border-radius: var(--radius-sm); padding: 1px 8px; letter-spacing: 0.01em;
}
.tbd-block {
  display: block; color: var(--text-secondary); background: rgba(217,119,6,0.06);
  border: 1px dashed rgba(217,119,6,0.40); border-left: 3px solid #D97706;
  border-radius: var(--radius-md); padding: 14px 16px; margin: 16px 0; font-size: 0.875rem; line-height: 1.55;
}
.tbd-block strong { color: #FBBF24; }

/* ---------- 16. FORMS ---------- */
.form-input, .form-select, .form-textarea {
  background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--radius-md); color: var(--text-primary);
  padding: 13px 16px; font-size: 15px; font-family: inherit; width: 100%;
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast), background var(--transition-fast);
}
.form-input::placeholder, .form-textarea::placeholder { color: var(--text-muted); }
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none; border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-glow); background: rgba(255,255,255,0.06);
}
.form-textarea { min-height: 130px; resize: vertical; }
select.form-select {
  appearance: none; -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='none' stroke='%238A90A2' stroke-width='2' viewBox='0 0 16 16'%3E%3Cpath d='M4 6l4 4 4-4'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px;
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 600px) { .form-grid { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 7px; margin-bottom: 18px; }
.field-full { grid-column: 1 / -1; }
.field label, .field-label { font-size: 13px; font-weight: 500; color: var(--text-secondary); }
.field .req { color: var(--accent); }
.form-section-label { font-size: 11px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--accent); margin: 28px 0 14px; padding-top: 22px; border-top: 1px solid var(--border-subtle); }
.form-section-label:first-of-type { padding-top: 0; border-top: 0; margin-top: 0; }

.radio-row { display: flex; flex-wrap: wrap; gap: 18px; padding-top: 4px; }
.radio-opt, .check-opt { display: flex; align-items: flex-start; gap: 9px; font-size: 14px; color: var(--text-secondary); cursor: pointer; }
.radio-opt input, .check-opt input { margin-top: 3px; accent-color: var(--accent); width: 16px; height: 16px; flex-shrink: 0; }
.check-opt { align-items: flex-start; }

.form-legal { font-size: 12px; color: var(--text-muted); line-height: 1.5; margin-top: 8px; }
.form-legal a { color: var(--text-secondary); text-decoration: underline; }

.broker-disclosure {
  font-size: 12.5px; color: var(--text-secondary); line-height: 1.55;
  background: var(--surface-raised); border: 1px solid var(--border);
  border-radius: var(--radius-md); padding: 14px 16px; margin: 18px 0;
}

/* form success state */
.form-success { display: none; }
.form-success.is-active { display: block; }
form.is-submitted .form-fields { display: none; }
.success-card { text-align: left; }
.success-card .success-icon { width: 56px; height: 56px; border-radius: 50%; background: var(--status-funded-bg); color: #4ADE80; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.success-card .success-icon svg { width: 28px; height: 28px; }

/* shimmer bar on submit */
.form-shimmer { height: 3px; width: 100%; border-radius: 3px; overflow: hidden; position: relative; background: var(--surface-raised); display: none; margin-bottom: 18px; }
form.is-loading .form-shimmer { display: block; }
.form-shimmer::after { content:''; position:absolute; inset:0; width:40%; background: linear-gradient(90deg, transparent, var(--accent), transparent); animation: shimmer 1.1s infinite; }
@keyframes shimmer { 0% { transform: translateX(-120%);} 100% { transform: translateX(320%);} }

/* ---------- 17. COMPLIANCE NOTICE / COOKIE ---------- */
.compliance-notice {
  background: rgba(217, 119, 6, 0.08); border: 1px solid rgba(217, 119, 6, 0.25);
  border-left: 3px solid #D97706; border-radius: var(--radius-md);
  padding: 16px 20px; display: flex; gap: 12px; align-items: flex-start;
  margin-bottom: 40px; font-size: 14px; color: var(--text-secondary); line-height: 1.6;
}
.compliance-notice svg { color: #D97706; width: 18px; height: 18px; flex-shrink: 0; margin-top: 2px; }
.compliance-notice strong { color: var(--text-primary); }
.compliance-notice a { color: var(--accent); text-decoration: none; }
.compliance-notice a:hover { text-decoration: underline; }

.return-disclaimer { font-size: 0.8125rem; color: var(--text-muted); line-height: 1.5; margin-top: 12px; }
.return-disclaimer::before { content: ''; }

.cookie-banner {
  position: fixed; bottom: 24px; left: 24px; right: 24px; max-width: 520px;
  background: var(--surface-raised); border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  padding: 16px 20px; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  z-index: 2000; box-shadow: var(--shadow-elevated); font-size: 14px; color: var(--text-secondary);
}
.cookie-banner a { color: var(--accent); }
.cookie-banner.hidden { display: none; }

.dev-banner { background:#7C2D12; color:#FED7AA; padding:10px 20px; text-align:center; font-size:13px; font-weight:600; position:relative; z-index:1500; }
.dev-banner a { color: #FFE8D1; text-decoration: underline; }

/* ---------- 18. TABLES ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius-lg); }
table.data-table { width: 100%; border-collapse: collapse; font-size: 0.9rem; min-width: 520px; }
.data-table thead th {
  background: var(--accent-muted); color: var(--text-primary); text-align: left;
  font-size: 12px; font-weight: 600; letter-spacing: 0.04em; text-transform: uppercase;
  padding: 14px 18px; border-bottom: 1px solid var(--border-accent);
}
.data-table td, .data-table th { padding: 13px 18px; border-bottom: 1px solid var(--border); color: var(--text-secondary); vertical-align: top; }
.data-table tbody tr:nth-child(even) { background: rgba(255,255,255,0.015); }
.data-table tbody tr:last-child td { border-bottom: 0; }
.data-table td:first-child, .data-table th:first-child { color: var(--text-primary); font-weight: 500; }
.table-note { font-size: 0.8125rem; color: var(--text-muted); margin-top: 10px; }

/* ---------- 19. ACCORDION ---------- */
.faq-cat { font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--accent); margin: 40px 0 12px; }
.faq-cat:first-of-type { margin-top: 0; }
.accordion { border-top: 1px solid var(--border-subtle); }
.acc-item { border-bottom: 1px solid var(--border-subtle); }
.acc-q {
  width: 100%; background: none; border: 0; text-align: left;
  display: flex; align-items: center; justify-content: space-between; gap: 18px;
  padding: 20px 4px; font-size: 16px; font-weight: 500; color: var(--text-primary);
}
.acc-q .acc-icon { position: relative; width: 18px; height: 18px; flex-shrink: 0; }
.acc-q .acc-icon::before, .acc-q .acc-icon::after { content:''; position:absolute; background: var(--accent); border-radius: 2px; transition: transform var(--transition-base); }
.acc-q .acc-icon::before { top: 8px; left: 0; width: 18px; height: 2px; }
.acc-q .acc-icon::after  { top: 0; left: 8px; width: 2px; height: 18px; }
.acc-item.open .acc-q .acc-icon::after { transform: scaleY(0); }
.acc-a { max-height: 0; overflow: hidden; transition: max-height var(--transition-slow); }
.acc-a-inner { padding: 0 4px 22px; font-size: 15px; color: var(--text-secondary); line-height: 1.65; }
.acc-item.open .acc-a { max-height: 600px; }

/* ---------- 20. FILTER TABS ---------- */
.filter-bar { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 36px; }
.filter-tab {
  background: var(--glass-bg); border: 1px solid var(--glass-border); color: var(--text-secondary);
  border-radius: var(--radius-pill); padding: 9px 18px; font-size: 14px; font-weight: 500;
  transition: all var(--transition-base);
}
.filter-tab:hover { color: var(--text-primary); border-color: var(--border-accent); }
.filter-tab.active { background: var(--accent-muted); border-color: var(--accent); color: var(--accent); }

.empty-state { text-align: center; padding: 60px 20px; border: 1px dashed var(--border); border-radius: var(--radius-lg); }
.empty-state.is-hidden { display: none; }

/* ---------- 21. PROCESS STEPS ---------- */
.steps-preview { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
@media (max-width: 900px) { .steps-preview { grid-template-columns: repeat(2, 1fr); gap: 28px; } }
@media (max-width: 520px) { .steps-preview { grid-template-columns: 1fr; } }
.step-mini__num {
  width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--border-accent);
  background: var(--accent-muted); color: var(--accent); font-weight: 700; font-size: 18px;
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px;
}
.step-mini h4 { margin-bottom: 8px; font-size: 15px; letter-spacing: 0.02em; }
.step-mini p { font-size: 0.9rem; }

/* big alternating steps (how-it-works) */
.bigstep { position: relative; padding: 40px 0; border-bottom: 1px solid var(--border-subtle); }
.bigstep:last-child { border-bottom: 0; }
.bigstep__inner { display: grid; grid-template-columns: 120px 1fr; gap: 28px; align-items: start; }
.bigstep__ghost { font-size: clamp(3.5rem, 8vw, 6rem); font-weight: 800; line-height: 0.8; color: var(--surface-hover); -webkit-text-stroke: 1px var(--border); }
.bigstep__label { font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--accent); margin-bottom: 10px; }
.bigstep dl { margin-top: 16px; display: grid; gap: 12px; }
.bigstep dt { font-size: 13px; font-weight: 600; color: var(--text-primary); }
.bigstep dd { font-size: 0.95rem; color: var(--text-secondary); }
@media (max-width: 640px) { .bigstep__inner { grid-template-columns: 1fr; gap: 12px; } }

/* ---------- 22. PROGRAM FEATURE BLOCKS ---------- */
.feature-block { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 40px; align-items: start; padding: 64px 0; border-top: 1px solid var(--border-subtle); scroll-margin-top: 90px; }
.feature-block__img { width: 100%; aspect-ratio: 16 / 10; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-card); border: 1px solid var(--border); margin-bottom: 20px; display: block; }
.section-banner { width: 100%; height: clamp(220px, 30vw, 330px); object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-card); border: 1px solid var(--border); margin-bottom: 36px; display: block; }
.feature-block.reverse .feature-block__media { order: 2; }
.feature-block__copy h2 { margin-bottom: 8px; }
.feature-block__tag { color: var(--text-secondary); font-size: 1.05rem; margin-bottom: 20px; }
.spec-list { display: grid; gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: var(--radius-md); overflow: hidden; }
.spec-list div { display: flex; justify-content: space-between; gap: 16px; background: var(--surface); padding: 13px 16px; font-size: 0.9rem; }
.spec-list .k { color: var(--text-secondary); }
.spec-list .v { color: var(--text-primary); font-weight: 600; text-align: right; }
.bullet-list { display: grid; gap: 10px; margin: 8px 0 20px; }
.bullet-list li { position: relative; padding-left: 26px; font-size: 0.95rem; color: var(--text-secondary); }
.bullet-list li::before { content: ''; position: absolute; left: 0; top: 8px; width: 14px; height: 14px; border-radius: 50%; background: var(--accent-muted); border: 1px solid var(--accent); }
.bullet-list li::after { content: ''; position: absolute; left: 5px; top: 11px; width: 4px; height: 7px; border: solid var(--accent); border-width: 0 2px 2px 0; transform: rotate(45deg); }
@media (max-width: 820px) { .feature-block { grid-template-columns: 1fr; gap: 28px; } .feature-block.reverse .feature-block__media { order: 0; } }

.callout-accent {
  background: var(--surface); border: 1px solid var(--border); border-left: 3px solid var(--accent);
  border-radius: var(--radius-md); padding: 28px 32px;
}

/* ---------- 23. PULL QUOTES ---------- */
.quote-card { display: flex; flex-direction: column; gap: 16px; }
.quote-card .stars { color: #FBBF24; font-size: 15px; letter-spacing: 2px; }
.quote-card blockquote { font-size: 1.05rem; line-height: 1.6; color: var(--text-primary); font-weight: 500; }
.quote-card cite { font-style: normal; font-size: 0.875rem; color: var(--text-secondary); }
.rating-badge { display: inline-flex; align-items: center; gap: 10px; background: var(--surface-raised); border: 1px solid var(--border); border-radius: var(--radius-pill); padding: 8px 16px; font-size: 14px; color: var(--text-secondary); }
.rating-badge .stars { color: #FBBF24; }

/* ---------- 24. CTA BAND ---------- */
.cta-band { background: linear-gradient(135deg, var(--surface) 0%, var(--bg) 100%); border-top: 1px solid var(--border); }
.cta-band .container { text-align: center; }
.cta-band h2 { max-width: 720px; margin: 0 auto 16px; }
.cta-band p { max-width: 600px; margin: 0 auto 28px; }

/* bio layout */
.bio-grid { display: grid; grid-template-columns: 1.4fr 0.9fr; gap: 48px; align-items: start; }
@media (max-width: 820px) { .bio-grid { grid-template-columns: 1fr; gap: 32px; } }
.bio-photo { width: 100%; max-width: 320px; aspect-ratio: 1; border-radius: 50%; object-fit: cover; border: 3px solid var(--border-accent); box-shadow: var(--shadow-accent); margin: 0 auto; }
.bio-photo-wrap { display: flex; flex-direction: column; align-items: center; gap: 20px; }
.bio-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 28px; }
.bio-stat { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 18px; }
.bio-stat .n { font-size: 1.25rem; font-weight: 700; color: var(--text-primary); }
.bio-stat .l { font-size: 0.8rem; color: var(--text-secondary); margin-top: 4px; }
.bio-prose p { color: var(--text-secondary); margin-bottom: 16px; font-size: 1rem; }

/* ---------- 25. GLOSSARY ---------- */
.alpha-nav { position: sticky; top: var(--nav-h); z-index: 5; display: flex; flex-wrap: wrap; gap: 4px; padding: 16px 0; background: rgba(10,11,15,0.85); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); border-bottom: 1px solid var(--border); margin-bottom: 24px; }
.alpha-nav a { width: 30px; height: 30px; display: inline-flex; align-items: center; justify-content: center; border-radius: var(--radius-sm); font-size: 13px; font-weight: 600; color: var(--text-secondary); border: 1px solid transparent; }
.alpha-nav a:hover { color: var(--accent); border-color: var(--border-accent); background: var(--accent-muted); }
.alpha-nav a.disabled { color: var(--text-muted); opacity: 0.4; pointer-events: none; }
.glossary-letter { display: flex; align-items: baseline; gap: 16px; margin: 36px 0 12px; scroll-margin-top: calc(var(--nav-h) + 70px); }
.glossary-letter span { font-size: 2.5rem; font-weight: 800; color: var(--surface-hover); -webkit-text-stroke: 1px var(--border); line-height: 1; }
.glossary-letter hr { flex: 1; border: 0; border-top: 1px solid var(--border); }
.glossary dl dt { font-size: 1.05rem; font-weight: 600; color: var(--text-primary); margin-top: 22px; }
.glossary dl dd { font-size: 0.95rem; color: var(--text-secondary); padding-bottom: 20px; border-bottom: 1px solid var(--border-subtle); margin-top: 6px; }

/* resource hub cards */
.res-card { display: flex; flex-direction: column; }
.res-card .count { font-size: 0.8rem; color: var(--text-muted); margin: 8px 0 14px; }
.res-card .btn { margin-top: auto; align-self: flex-start; }

/* guide / article meta */
.post-meta { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; margin-bottom: 14px; }
.cat-pill { font-size: 11px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--accent); background: var(--accent-muted); border: 1px solid var(--border-accent); border-radius: var(--radius-pill); padding: 4px 12px; }
.post-date { font-size: 0.8rem; color: var(--text-muted); }

/* article body (guides) */
.article { max-width: 760px; margin: 0 auto; }
.article h2 { margin: 40px 0 14px; }
.article h3 { margin: 28px 0 10px; }
.article p { color: var(--text-secondary); margin-bottom: 16px; font-size: 1.02rem; line-height: 1.7; }
.article ul, .article ol { margin: 0 0 18px 0; display: grid; gap: 10px; }
.article ul li { position: relative; padding-left: 24px; color: var(--text-secondary); }
.article ul li::before { content: ''; position: absolute; left: 4px; top: 10px; width: 6px; height: 6px; border-radius: 50%; background: var(--accent); }
.article ol { counter-reset: li; }
.article ol li { position: relative; padding-left: 30px; color: var(--text-secondary); counter-increment: li; }
.article ol li::before { content: counter(li); position: absolute; left: 0; top: 0; color: var(--accent); font-weight: 700; font-size: 0.85rem; }
.article .lead { font-size: 1.15rem; color: var(--text-primary); line-height: 1.6; margin-bottom: 8px; }
.breadcrumb { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 18px; }
.breadcrumb a { color: var(--text-secondary); }
.breadcrumb a:hover { color: var(--accent); }

/* legal/policy pages */
.legal-page { max-width: 800px; margin: 0 auto; }
.legal-page h2 { margin: 34px 0 12px; font-size: 1.4rem; }
.legal-page h3 { margin: 22px 0 8px; }
.legal-page p, .legal-page li { color: var(--text-secondary); margin-bottom: 14px; line-height: 1.7; }
.legal-page ul { margin-left: 0; display: grid; gap: 8px; margin-bottom: 16px; }
.legal-page ul li { position: relative; padding-left: 22px; }
.legal-page ul li::before { content:''; position:absolute; left:4px; top:10px; width:6px; height:6px; border-radius:50%; background: var(--accent); }
.legal-meta { color: var(--text-muted); font-size: 0.875rem; margin-bottom: 8px; }

/* ---------- 26. FOOTER ---------- */
.footer { position: relative; background: linear-gradient(180deg, #171B24 0%, #0F1218 100%); border-top: 1px solid var(--border); padding: 66px 0 32px; margin-top: 0; }
.footer::before { content: ''; position: absolute; top: -1px; left: 0; right: 0; height: 2px; background: linear-gradient(90deg, transparent 0%, var(--accent) 50%, transparent 100%); opacity: 0.5; }
.footer__grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr 1.3fr; gap: 36px; }
@media (max-width: 1040px) { .footer__grid { grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; } }
@media (max-width: 720px) { .footer__grid { grid-template-columns: 1fr 1fr; gap: 30px; } }
@media (max-width: 460px) { .footer__grid { grid-template-columns: 1fr; } }
.footer__logo { display: inline-flex; align-items: center; background: #fff; padding: 9px 16px; border-radius: 10px; margin-bottom: 18px; box-shadow: 0 2px 12px rgba(0,0,0,0.3); }
.footer__logo img { height: 46px; width: auto; display: block; }
.footer__tagline { font-size: 0.9rem; color: var(--text-secondary); max-width: 260px; margin-bottom: 18px; }
.footer h4 { font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--text-secondary); margin-bottom: 16px; font-weight: 700; }
.footer__links li { margin-bottom: 10px; }
.footer__links a { font-size: 0.9rem; color: var(--text-secondary); transition: color var(--transition-fast); }
.footer__links a:hover { color: var(--text-primary); }
.footer__contact li { font-size: 0.9rem; color: var(--text-secondary); margin-bottom: 10px; }
.footer__contact a { color: var(--text-secondary); }
.footer__contact a:hover { color: var(--accent); }
.footer__social { display: flex; gap: 10px; margin-top: 18px; }
.footer__social a { width: 36px; height: 36px; border-radius: var(--radius-pill); background: var(--glass-bg); border: 1px solid var(--glass-border); display: flex; align-items: center; justify-content: center; color: var(--text-secondary); transition: all var(--transition-base); }
.footer__social a:hover { color: var(--accent); border-color: var(--accent); }
.footer__social svg { width: 18px; height: 18px; }
.footer__divider { height: 1px; background: var(--border); margin: 40px 0 28px; border: 0; }
.footer__legal { font-size: 0.8125rem; color: #757C8E; line-height: 1.6; margin-bottom: 22px; }
.footer__disclaimer { font-size: 0.8125rem; color: #6E7587; line-height: 1.6; margin-bottom: 22px; max-width: 1000px; }
.footer__bottom { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 14px; }
.footer__copy { font-size: 0.8125rem; color: #757C8E; }
.footer__copy a { color: var(--text-secondary); }
.footer__copy a:hover { color: var(--accent); }
.footer__legal-links { display: flex; flex-wrap: wrap; gap: 8px 14px; font-size: 0.8125rem; }
.footer__legal-links a { color: var(--text-secondary); }
.footer__legal-links a:hover { color: var(--accent); }
.footer__legal-links span { color: var(--text-muted); }
.eho-badge { display: inline-flex; align-items: center; gap: 6px; color: var(--text-secondary); font-weight: 500; }

/* ---------- 27. ANIMATE ON SCROLL ---------- */
.animate-on-scroll { opacity: 0; transform: translateY(24px); transition: opacity 0.55s cubic-bezier(0.4,0,0.2,1), transform 0.55s cubic-bezier(0.4,0,0.2,1); }
.animate-on-scroll.visible { opacity: 1; transform: translateY(0); }
.stagger > .animate-on-scroll:nth-child(1) { transition-delay: 0ms; }
.stagger > .animate-on-scroll:nth-child(2) { transition-delay: 80ms; }
.stagger > .animate-on-scroll:nth-child(3) { transition-delay: 160ms; }
.stagger > .animate-on-scroll:nth-child(4) { transition-delay: 240ms; }

/* ---------- 28. 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; }
  .animate-on-scroll { opacity: 1; transform: none; }
}

/* ---------- 29. HELPERS ---------- */
.mt-0 { margin-top: 0; } .mt-8 { margin-top: 8px; } .mt-16 { margin-top: 16px; } .mt-24 { margin-top: 24px; } .mt-40 { margin-top: 40px; }
.mb-0 { margin-bottom: 0; } .mb-16 { margin-bottom: 16px; } .mb-24 { margin-bottom: 24px; }
.flex-center { display: flex; align-items: center; gap: 10px; }
.hidden { display: none !important; }

/* ============================================================
   30. ELEVATION — refined financial-editorial polish
   (Fraunces display set above; texture, spotlight, aurora, motion)
   ============================================================ */

/* Film grain / texture over everything (breaks digital flatness) */
body::before {
  content: ''; position: fixed; inset: 0; z-index: 9000; pointer-events: none;
  opacity: 0.04; mix-blend-mode: overlay;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='g'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23g)'/%3E%3C/svg%3E");
}

/* Data-grade numerals */
.stat-number, .return-figure, .deal-stat .v, .bio-stat .n { font-variant-numeric: tabular-nums; font-feature-settings: 'tnum' 1; }

/* Glass cards — inner top-light + cursor-following spotlight */
.glass-card { position: relative; box-shadow: var(--shadow-card), inset 0 1px 0 rgba(255,255,255,0.06); }
.glass-card::before {
  content: ''; position: absolute; inset: 0; border-radius: inherit; pointer-events: none; z-index: 0;
  background: radial-gradient(460px circle at var(--mx, 50%) var(--my, 50%), rgba(37,99,235,0.16), transparent 42%);
  opacity: 0; transition: opacity 0.35s ease;
}
.glass-card:hover::before { opacity: 1; }
.glass-card > * { position: relative; z-index: 1; }
.program-card .return-figure { transition: transform var(--transition-base); transform-origin: left center; }
.program-card:hover .return-figure { transform: scale(1.04); }

/* Hero — animated aurora behind the blueprint grid + mouse parallax */
.hero__bg {
  background-image:
    radial-gradient(45% 40% at 18% 22%, rgba(37,99,235,0.12), transparent 60%),
    radial-gradient(42% 38% at 82% 28%, rgba(10,79,176,0.13), transparent 62%),
    radial-gradient(50% 45% at 60% 92%, rgba(37,99,235,0.07), transparent 64%);
  background-size: 160% 160%; background-position: 50% 50%;
  animation: auroraDrift 26s ease-in-out infinite alternate;
  transform: translate(var(--hx, 0px), var(--hy, 0px));
  transition: transform 0.45s ease-out;
}
@keyframes auroraDrift { from { background-position: 38% 42%; } to { background-position: 62% 58%; } }
.orb-2 { background: radial-gradient(circle, rgba(10,79,176,0.16) 0%, transparent 70%); }

/* Stats — accent underline animates in with the count-up */
.stat-number { position: relative; display: inline-block; padding-bottom: 9px; }
.stat-number::after {
  content: ''; position: absolute; left: 0; bottom: 0; height: 2px; width: 0;
  background: linear-gradient(90deg, var(--accent), var(--accent-deep));
  transition: width 0.9s cubic-bezier(0.4,0,0.2,1) 0.2s;
}
.stat-number.counted::after { width: 100%; }
.statsbar__item:nth-child(2) .stat-number::after { transition-delay: 0.34s; }
.statsbar__item:nth-child(3) .stat-number::after { transition-delay: 0.46s; }
.statsbar__item:nth-child(4) .stat-number::after { transition-delay: 0.58s; }

/* Footer social icons brighten + lift on hover */
.footer__social a:hover { transform: translateY(-2px) scale(1.06); border-color: var(--accent); color: var(--accent); box-shadow: 0 4px 14px rgba(37,99,235,0.25); }

/* ============================================================
   31. LIGHT THEME — bright, readable redesign (overrides dark base)
   Headers: Plus Jakarta Sans · body: Inter
   ============================================================ */
:root {
  --bg:                #F6F8FB;
  --surface:           #FFFFFF;
  --surface-raised:    #FFFFFF;
  --surface-hover:     #EEF3FA;
  --border:            rgba(15, 23, 42, 0.10);
  --border-subtle:     rgba(15, 23, 42, 0.06);
  --border-accent:     rgba(37, 99, 235, 0.38);
  --accent:            #2563EB;
  --accent-hover:      #1D4ED8;
  --accent-glow:       rgba(37, 99, 235, 0.20);
  --accent-muted:      rgba(37, 99, 235, 0.08);
  --accent-deep:       #0A4FB0;
  --font-display:      'Plus Jakarta Sans', 'Inter', -apple-system, sans-serif;
  --text-primary:      #0F1B2E;
  --text-secondary:    #4A5568;
  --text-muted:        #8A93A6;
  --status-open:       #2563EB;  --status-open-bg: rgba(37,99,235,0.10);
  --status-funded:     #15803D;  --status-funded-bg: rgba(22,163,74,0.12);
  --status-done:       #64748B;  --status-done-bg: rgba(100,116,139,0.12);
  --status-progress:   #B45309;  --status-progress-bg: rgba(217,119,6,0.12);
  --glass-bg:          #FFFFFF;
  --glass-border:      rgba(15, 23, 42, 0.09);
  --glass-bg-strong:   #FFFFFF;
  --shadow-card:       0 1px 2px rgba(16,24,40,0.05), 0 10px 28px rgba(16,24,40,0.06);
  --shadow-elevated:   0 18px 44px rgba(16,24,40,0.14), 0 4px 12px rgba(16,24,40,0.08);
  --shadow-accent:     0 14px 30px rgba(37,99,235,0.22);
}

/* Headings: clean sans (clear Fraunces optical axes) */
h1, h2 { font-variation-settings: normal; }
h1 { font-weight: 800; letter-spacing: -0.025em; }
h2 { font-weight: 700; letter-spacing: -0.02em; }

/* Remove the dark-only film grain */
body::before { display: none; }

/* Gradient text → readable on light */
.gradient-text { background: linear-gradient(135deg, #0F1B2E 0%, #475568 100%); -webkit-background-clip: text; background-clip: text; }
.gradient-text-accent { background: linear-gradient(135deg, #0A4FB0 0%, #2563EB 100%); -webkit-background-clip: text; background-clip: text; }

/* Section bands → subtle tint vs page bg */
.surface-band { background: #EEF3FB; border-color: var(--border); }

/* Nav: light, no logo plate */
.nav.scrolled { background: rgba(255,255,255,0.82); border-bottom: 1px solid var(--border); box-shadow: 0 1px 0 rgba(15,23,42,0.04); }
.nav__logo { background: none; padding: 0; box-shadow: none; }
.nav__logo:hover { transform: translateY(-1px); box-shadow: none; opacity: 0.9; }
.nav__links { background: rgba(15,23,42,0.04); border-color: rgba(15,23,42,0.08); }
.nav__link { color: var(--text-secondary); }
.nav__link:hover { background: rgba(15,23,42,0.06); color: var(--text-primary); }
.nav__cta--ghost { background: #fff; border-color: var(--border); color: var(--text-primary); }
.nav__cta--ghost:hover { background: var(--accent-muted); border-color: var(--accent); color: var(--accent); }
.nav__toggle span { background: var(--text-primary); }
.nav__drawer { background: rgba(255,255,255,0.98); }
.nav__drawer a.nav__drawer-link { color: var(--text-primary); border-bottom-color: var(--border); }

/* Hero: soften dark-era effects for light */
.hero__bg { background-image:
  radial-gradient(45% 40% at 16% 16%, rgba(37,99,235,0.08), transparent 60%),
  radial-gradient(42% 38% at 86% 24%, rgba(10,79,176,0.06), transparent 62%); }
.hero__bg::before { opacity: 0.55; }
.hero__bg::after { opacity: 0.10; }
.orb-1 { background: radial-gradient(circle, rgba(37,99,235,0.10) 0%, transparent 70%); }
.orb-2 { background: radial-gradient(circle, rgba(10,79,176,0.07) 0%, transparent 70%); }

/* Glass → clean white cards */
.glass-card { background: #FFFFFF; border: 1px solid var(--border); box-shadow: var(--shadow-card); backdrop-filter: none; -webkit-backdrop-filter: none; }
.glass-card:hover { border-color: var(--border-accent); box-shadow: var(--shadow-elevated); }
.glass-card::before { background: radial-gradient(460px circle at var(--mx,50%) var(--my,50%), rgba(37,99,235,0.08), transparent 42%); }

/* Buttons + pills */
.btn-ghost { background: #fff; border-color: var(--border); color: var(--text-primary); }
.btn-ghost:hover { background: var(--accent-muted); border-color: var(--accent); color: var(--accent); }
.trust-pill { background: var(--accent-muted); border-color: var(--border-accent); color: #1D3A6E; }
.meta-pill { background: #F1F4F9; border-color: var(--border); color: var(--text-secondary); }
.type-pill { color: var(--text-secondary); border-color: var(--border); }
.rating-badge { background: #fff; border-color: var(--border); color: var(--text-secondary); }

/* CTA band + cookie + glossary/accordion + decorative type */
.cta-band { background: linear-gradient(135deg, #E9F1FC 0%, #F6F8FB 100%); border-top: 1px solid var(--border); }
.cookie-banner { background: #fff; border-color: var(--border); color: var(--text-secondary); box-shadow: var(--shadow-elevated); }
.alpha-nav { background: rgba(246,248,251,0.9); border-bottom-color: var(--border); }
.glossary-letter span, .bigstep__ghost { color: #E3E9F2; -webkit-text-stroke: 1px var(--border); }
.step-mini__num { background: var(--accent-muted); border-color: var(--border-accent); color: var(--accent); }

/* Forms on light */
.form-input, .form-select, .form-textarea { background: #fff; border-color: var(--border); color: var(--text-primary); backdrop-filter: none; -webkit-backdrop-filter: none; }
.form-input::placeholder, .form-textarea::placeholder { color: var(--text-muted); }
.form-input:focus, .form-select:focus, .form-textarea:focus { background: #fff; border-color: var(--accent); box-shadow: 0 0 0 3px var(--accent-glow); }
.broker-disclosure { background: #F1F4F9; border-color: var(--border); }

/* Data grids / tables / cards on light */
.spec-list, .deal-stats { background: var(--border); }
.spec-list div, .deal-stat { background: #fff; }
.featured-deal__side { background: #F4F7FC; border-left-color: var(--border); }
.callout-accent { background: #fff; border: 1px solid var(--border); border-left: 3px solid var(--accent); }
.data-table tbody tr:nth-child(even) { background: rgba(15,23,42,0.015); }
.stat-number { color: var(--text-primary); }
.img-placeholder { background: #EEF2F8; border-color: var(--border); color: var(--text-muted); }
.quote-card blockquote { color: var(--text-primary); }

/* Footer → light */
.footer { background: #EAF0F8; border-top: 1px solid var(--border); }
.footer::before { opacity: 0.5; }
.footer__logo { background: none; padding: 0; box-shadow: none; }
.footer h4 { color: var(--text-muted); }
.footer__tagline, .footer__contact li, .footer__links a, .footer__contact a { color: var(--text-secondary); }
.footer__links a:hover, .footer__contact a:hover { color: var(--accent); }
.footer__social a { background: #fff; border-color: var(--border); color: var(--text-secondary); }
.footer__disclaimer, .footer__legal, .footer__copy { color: #65718A; }
.footer__divider { background: var(--border); }
.footer__legal-links a, .footer__copy a { color: var(--text-secondary); }
.footer__legal-links span { color: var(--text-muted); }

/* Hero two-column layout (text + image) */
.hero__grid { display: grid; grid-template-columns: 1.04fr 0.96fr; gap: 44px; align-items: center; width: 100%; }
.hero__media img { width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-elevated); border: 1px solid var(--border); }
@media (max-width: 920px) { .hero__grid { grid-template-columns: 1fr; gap: 30px; } .hero__media img { aspect-ratio: 16 / 9; } }

/* ============================================================
   32. DESIGN ELEVATION — editorial serif · gold accent · dark hero/CTA bands
   Body stays light & comfortable; only hero + closing CTA go dark.
   ============================================================ */
:root {
  --font-serif: 'Newsreader', Georgia, 'Times New Roman', serif;
  --gold:        #BFA06A;
  --gold-bright: #D6B677;
  --gold-soft:   rgba(191,160,106,0.16);
  --ink:         #0B1426;
  --ink-2:       #0F1B33;
  --shadow-card:     0 1px 2px rgba(16,24,40,0.05), 0 12px 30px rgba(16,24,40,0.08);
  --shadow-elevated: 0 24px 56px rgba(16,24,40,0.16), 0 6px 16px rgba(16,24,40,0.10);
}

/* Editorial serif for the big display headings only (h3+ stay sans) */
h1, h2 { font-family: var(--font-serif); font-weight: 600; letter-spacing: -0.018em; }
.hero h1 { font-weight: 600; line-height: 1.06; }
.section-head h2 { font-weight: 600; }

/* Gold eyebrow label + hairline divider */
.eyebrow { color: var(--gold); letter-spacing: 0.15em; }
.section-divider { border: 0; height: 1px; background: linear-gradient(90deg, transparent, rgba(191,160,106,0.45), transparent); }

/* ---------- DARK IMMERSIVE HERO BAND ---------- */
.hero--dark { background: linear-gradient(165deg, var(--ink) 0%, #0F1B33 58%, #122A52 100%); color: #fff; }
.hero--dark .hero__photo { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center 42%; z-index: 0; }
.hero--dark .hero__scrim { position: absolute; inset: 0; z-index: 0; background: linear-gradient(160deg, rgba(8,14,30,0.94) 0%, rgba(8,16,34,0.74) 44%, rgba(12,32,72,0.58) 100%); }
.hero--dark .hero__bg::before { background-image:
    linear-gradient(rgba(255,255,255,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.05) 1px, transparent 1px);
  background-size: 64px 64px, 64px 64px;
  -webkit-mask-image: radial-gradient(ellipse 85% 75% at 28% 38%, #000, transparent 80%);
  mask-image: radial-gradient(ellipse 85% 75% at 28% 38%, #000, transparent 80%); }
.hero--dark .hero__bg::after { opacity: 0.09; }
.hero--dark .hero__content { position: relative; z-index: 1; }
.hero--dark .eyebrow { color: var(--gold-bright); }
.hero--dark h1 { color: #fff; }
.hero--dark .gradient-text-accent { background: linear-gradient(92deg, var(--gold-bright), var(--gold)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero--dark .hero__sub { color: rgba(255,255,255,0.82); }
.hero--dark .trust-pill { background: rgba(255,255,255,0.10); border-color: rgba(255,255,255,0.18); color: #fff; }
.hero--dark .trust-pill svg { color: var(--gold-bright); }
.hero--dark .btn-ghost { background: transparent; border: 1px solid rgba(255,255,255,0.38); color: #fff; backdrop-filter: none; }
.hero--dark .btn-ghost:hover { background: rgba(255,255,255,0.12); border-color: #fff; color: #fff; }

/* Glass credential card (homepage hero, replaces the boxed photo) */
.hero__card { align-self: center; background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.16); border-radius: var(--radius-lg); padding: 26px 26px 24px; backdrop-filter: blur(16px) saturate(140%); -webkit-backdrop-filter: blur(16px) saturate(140%); box-shadow: 0 30px 64px rgba(0,0,0,0.46); }
.hero__card-eyebrow { display: block; font-family: var(--font-display); font-size: 11px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-bright); margin-bottom: 18px; }
.hero__card-list { list-style: none; display: grid; gap: 15px; margin: 0; padding: 0; }
.hero__card-list li { display: flex; gap: 12px; align-items: flex-start; font-size: 14.5px; line-height: 1.42; color: rgba(255,255,255,0.92); }
.hero__card-list svg { flex-shrink: 0; width: 17px; height: 17px; color: var(--gold-bright); margin-top: 2px; }
@media (max-width: 920px) { .hero__card { margin-top: 6px; } }

/* ---------- NAV over the dark hero (top, before .scrolled) ---------- */
.nav:not(.scrolled) .nav__link { color: rgba(255,255,255,0.82); }
.nav:not(.scrolled) .nav__link:hover { background: rgba(255,255,255,0.12); color: #fff; }
.nav:not(.scrolled) .nav__link[aria-current="page"] { background: rgba(255,255,255,0.16); color: #fff; box-shadow: none; }
.nav:not(.scrolled) .nav__links { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.16); }
.nav:not(.scrolled) .nav__logo img { filter: brightness(0) invert(1); }
.nav:not(.scrolled) .nav__toggle span { background: #fff; }

/* ---------- DARK CTA BAND (bookends the dark hero) ---------- */
.cta-band { background: linear-gradient(160deg, var(--ink) 0%, #12284E 100%); border-top: 1px solid rgba(255,255,255,0.08); color: #fff; }
.cta-band h2 { color: #fff; }
.cta-band p, .cta-band .text-large { color: rgba(255,255,255,0.82); }
.cta-band .eyebrow { color: var(--gold-bright); }
.cta-band .btn-ghost { background: transparent; border: 1px solid rgba(255,255,255,0.38); color: #fff; }
.cta-band .btn-ghost:hover { background: rgba(255,255,255,0.12); border-color: #fff; color: #fff; }
.cta-band .trust-strip li { color: rgba(255,255,255,0.78); }
.cta-band .trust-strip svg { color: var(--gold-bright); }