/* ============================================================
   SELF-HOSTED FONTS  ·  Fraunces / Geist / Geist Mono
   Subsetted woff2, served locally from /fonts/.
   ============================================================ */

/* Visually-hidden: keeps a heading in the accessibility/SEO document
   outline (logical H1>H2>H3) without affecting the visual layout. */
.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;
}

@font-face {
  font-family: 'Fraunces';
  font-style: italic;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/fraunces-italic-300-600-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Fraunces';
  font-style: italic;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/fraunces-italic-300-600-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/fraunces-normal-300-600-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/fraunces-normal-300-600-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Geist';
  font-style: normal;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/geist-normal-300-600-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Geist';
  font-style: normal;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/geist-normal-300-600-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('fonts/geist-mono-normal-400-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('fonts/geist-mono-normal-400-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('fonts/geist-mono-normal-500-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('fonts/geist-mono-normal-500-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* ============================================================
   SECURITIES-BACKED LENDING — institutional light theme
   Ivory · deep navy · muted gold
   ============================================================ */
:root {
  /* Paper */
  --ivory:      #FBF8F1;
  --ivory-2:    #F4F0E6;
  --ivory-3:    #ECE5D2;

  /* Ink — deep navy with cool undertone */
  --navy:       #0B1F3A;
  --navy-2:     #16294A;
  --navy-3:     #2C3E5E;
  --navy-4:     #4B5A77;

  /* Gold — restrained, never gauche */
  --gold:       #9A7B3F;
  --gold-2:     #B89968;
  --gold-deep:  #7D6233;

  /* Warm greys */
  --muted:      #6B6655;
  --muted-2:    #94907F;

  /* Hairlines — navy-tinted, soft */
  --rule:        rgba(11, 31, 58, 0.10);
  --rule-strong: rgba(11, 31, 58, 0.22);
  --rule-soft:   rgba(11, 31, 58, 0.06);
  --rule-gold:   rgba(154, 123, 63, 0.32);

  /* Type stacks */
  --serif: "Fraunces", "Times New Roman", ui-serif, Georgia, serif;
  --sans:  "Geist", -apple-system, BlinkMacSystemFont, "Helvetica Neue", system-ui, sans-serif;
  --mono:  "Geist Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;

  /* Layout */
  --max:        1320px;
  --max-narrow: 920px;
  --max-read:   680px;
  --gutter:     clamp(20px, 4vw, 56px);
  --section-y:  clamp(80px, 8vw, 140px);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  background: var(--ivory);
  color: var(--navy);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  overflow-wrap: break-word;
  word-wrap: break-word;
}
img, svg { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }

/* Skip link */
.skip {
  position: absolute; left: -9999px; top: 0;
  background: var(--navy); color: var(--ivory);
  padding: 12px 20px; z-index: 1000;
  font-family: var(--mono); font-size: 12px;
  letter-spacing: 0.16em; text-transform: uppercase;
}
.skip:focus { left: 16px; top: 16px; }

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--serif);
  font-weight: 400;
  line-height: 1.15;
  letter-spacing: -0.01em;
  color: var(--navy);
  margin: 0;
}
h1 { font-size: clamp(40px, 6vw, 84px); letter-spacing: -0.025em; }
h2 { font-size: clamp(30px, 4vw, 52px); letter-spacing: -0.02em; }
h3 { font-size: clamp(22px, 2.2vw, 30px); }
h4 { font-size: 18px; font-family: var(--sans); font-weight: 500; }
h5 {
  font-family: var(--mono); font-size: 11px;
  letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--muted); font-weight: 500;
}
em { font-style: italic; color: var(--gold); }
p { color: var(--navy-3); margin: 0 0 1em; }

.lede {
  font-size: clamp(17px, 1.3vw, 21px);
  line-height: 1.55;
  color: var(--navy-3);
  max-width: 62ch;
}
.eyebrow {
  display: inline-block;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.num {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--muted-2);
}

/* ---------- Layout ---------- */
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 var(--gutter); }
.wrap--narrow { max-width: var(--max-narrow); }
.wrap--read { max-width: var(--max-read); }

.section { padding: var(--section-y) 0; position: relative; }
.section--alt { background: var(--ivory-2); }
.section--deep {
  background: var(--navy);
  color: var(--ivory);
}
.section--deep h1, .section--deep h2, .section--deep h3, .section--deep h4 { color: var(--ivory); }
.section--deep p, .section--deep .lede { color: rgba(251, 248, 241, 0.78); }
.section--deep em { color: var(--gold-2); }
.section--deep .eyebrow { color: var(--gold-2); }
.section--deep .num { color: rgba(251, 248, 241, 0.5); }

/* Button visibility on dark CTA sections — brighter champagne gold for WCAG AA contrast
   (navy text on gold-2 measures ~6.3:1, comfortably above the 4.5:1 threshold). */
.section--deep .btn-primary {
  background: var(--gold-2);
  border-color: var(--gold-2);
  color: var(--navy);
}
.section--deep .btn-primary:hover {
  background: var(--ivory);
  border-color: var(--ivory);
  color: var(--navy);
}
.section--deep .btn-secondary {
  color: var(--gold-2);
  border-color: var(--gold-2);
}
.section--deep .btn-secondary:hover {
  background: var(--gold-2);
  color: var(--navy);
}

.section__head {
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 64px;
  margin-bottom: 64px;
  align-items: start;
}
.section__head > .num { padding-top: 8px; }

/* ---------- Visible breadcrumb ---------- */
.breadcrumb {
  background: var(--ivory-2);
  border-bottom: 1px solid var(--rule);
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}
.breadcrumb .wrap {
  display: flex;
  align-items: center;
  gap: 10px;
  height: 38px;
  color: var(--muted);
  overflow-x: auto;
  white-space: nowrap;
  -ms-overflow-style: none;
  scrollbar-width: none;
}
.breadcrumb .wrap::-webkit-scrollbar { display: none; }
.breadcrumb a {
  color: var(--navy-3);
  transition: color 0.2s;
}
.breadcrumb a:hover { color: var(--gold-deep); }
.breadcrumb [aria-current="page"] {
  color: var(--navy);
}
.breadcrumb__sep {
  color: var(--muted-2);
  font-weight: 300;
}

/* ---------- Top utility bar ---------- */
.utility {
  background: var(--ivory-3);
  border-bottom: 1px solid var(--rule);
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}
.utility__row {
  display: flex; justify-content: space-between; align-items: center;
  height: 36px;
  color: var(--muted);
}
.utility a { color: var(--navy-3); transition: color 0.2s; }
.utility a:hover { color: var(--gold); }
.utility__right { display: flex; gap: 24px; align-items: center; }

/* ---------- Topbar nav ---------- */
.topbar {
  position: sticky; top: 0; z-index: 100;
  background: rgba(251, 248, 241, 0.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--rule);
}
.topbar__row {
  display: flex; justify-content: space-between; align-items: center;
  height: 72px;
  gap: 32px;
}
.brand {
  display: flex; align-items: center; gap: 14px;
  font-family: var(--serif);
  font-size: 17px;
  letter-spacing: -0.005em;
  color: var(--navy);
  white-space: nowrap;
}
.brand__rule {
  display: inline-block;
  width: 3px; height: 22px;
  background: var(--gold);
  flex-shrink: 0;
}
.brand__mark {
  display: block;
  width: 32px; height: 32px;
  flex-shrink: 0;
}

nav.primary { display: flex; gap: 28px; align-items: center; }
nav.primary a {
  font-family: var(--sans);
  font-size: 13.5px;
  color: var(--navy-3);
  letter-spacing: 0.01em;
  padding: 6px 0;
  position: relative;
  transition: color 0.2s;
}
nav.primary a:hover, nav.primary a.active { color: var(--navy); }
nav.primary a.active::after {
  content: ""; position: absolute; bottom: -2px; left: 0; right: 0;
  height: 1px; background: var(--gold);
}

.topbar__right { display: flex; align-items: center; gap: 20px; }

.btn-cta {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 11px 20px;
  background: transparent;
  border: 1px solid var(--gold);
  color: var(--gold-deep);
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  transition: all 0.25s;
  white-space: nowrap;
  flex-shrink: 0;
}
.btn-cta:hover {
  background: var(--gold);
  color: var(--ivory);
}

.menu-toggle {
  display: none;
  background: none; border: 0;
  color: var(--navy);
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  padding: 8px 0;
  flex-shrink: 0;
  white-space: nowrap;
}

/* ---------- Hero ---------- */
.hero {
  padding: clamp(80px, 12vw, 160px) 0 clamp(60px, 8vw, 100px);
  position: relative;
  overflow: hidden;
}
.hero__meta {
  display: flex; flex-wrap: wrap; gap: 18px 28px;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 48px;
  align-items: center;
}
.hero__meta span { display: inline-flex; align-items: center; gap: 12px; }
.hero__meta span + span::before {
  content: ""; display: inline-block;
  width: 4px; height: 4px; background: var(--gold);
  border-radius: 50%;
  margin-right: 16px;
}

.hero__headline {
  font-family: var(--serif);
  font-size: clamp(44px, 7.5vw, 108px);
  line-height: 0.98;
  letter-spacing: -0.035em;
  margin-bottom: 44px;
  max-width: 16ch;
  color: var(--navy);
}
.hero__headline em {
  font-style: italic;
  color: var(--gold);
  font-weight: 400;
}

.hero__sub {
  font-size: clamp(18px, 1.6vw, 24px);
  line-height: 1.45;
  color: var(--navy-2);
  max-width: 56ch;
  margin-bottom: 32px;
  font-family: var(--serif);
  font-style: italic;
  font-weight: 300;
}

.hero__positioning {
  font-size: 16px;
  color: var(--navy-3);
  max-width: 60ch;
  line-height: 1.7;
  margin-bottom: 48px;
}

.hero__ctas { display: flex; flex-wrap: wrap; gap: 16px; }
.btn-primary, .btn-secondary {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 18px 32px;
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  transition: all 0.25s;
  border: 1px solid transparent;
}
.btn-primary {
  background: var(--navy);
  color: var(--ivory);
  border-color: var(--navy);
}
.btn-primary:hover {
  background: var(--gold-deep);
  border-color: var(--gold-deep);
}
.btn-secondary {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-secondary:hover {
  border-color: var(--gold);
  color: var(--gold-deep);
}

/* Inner-page hero (smaller) */
.hero--inner {
  padding: clamp(80px, 10vw, 140px) 0 clamp(40px, 5vw, 64px);
  border-bottom: 1px solid var(--rule);
}
.hero--inner .hero__headline {
  font-size: clamp(40px, 6vw, 76px);
  max-width: 22ch;
  margin-bottom: 28px;
}
.hero--inner .hero__sub {
  font-size: clamp(17px, 1.3vw, 21px);
  margin-bottom: 0;
}

/* ---------- Credibility strip ---------- */
.strip { background: var(--ivory-3); border-block: 1px solid var(--rule); }
.strip__grid {
  display: grid; grid-template-columns: repeat(5, 1fr);
  gap: 1px; background: var(--rule);
}
.strip__cell {
  background: var(--ivory-3);
  padding: 32px 24px;
  display: flex; flex-direction: column; gap: 6px;
}
.strip__label {
  font-family: var(--mono); font-size: 10px;
  letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--muted);
}
.strip__value {
  font-family: var(--serif); font-size: clamp(19px, 1.5vw, 23px);
  color: var(--navy);
  letter-spacing: -0.005em;
  text-wrap: balance;
  hyphens: none;
}

/* ---------- Grids ---------- */
.capabilities { display: grid; grid-template-columns: 1fr 1fr; gap: 0; margin-top: 24px; }
.capability { padding: 32px 0; border-top: 1px solid var(--rule); }
.capability:nth-child(odd) { border-right: 1px solid var(--rule); padding-right: 32px; }
.capability:nth-child(even) { padding-left: 32px; }
.capability h3 { margin-bottom: 16px; }
.capability p { font-size: 15px; }

.solutions { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--rule-strong); border: 1px solid var(--rule-strong); margin-top: 32px; }
.solution { background: var(--ivory); padding: 48px 40px; }
.solution h3 { font-size: clamp(26px, 2.4vw, 34px); margin-bottom: 20px; }
.solution h3 em { color: var(--gold); }
.solution p { font-size: 15px; line-height: 1.7; margin-bottom: 24px; }

/* Process steps — five disciplined stages (numbered I, II, III, V, VI; IV intentionally absent) */
.steps { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1px; background: var(--rule-strong); border: 1px solid var(--rule-strong); margin-top: 24px; }
.step { background: var(--ivory); padding: 36px 24px; display: flex; flex-direction: column; gap: 16px; min-height: 280px; }
.step__num {
  font-family: var(--serif);
  font-size: 44px;
  color: var(--gold);
  line-height: 1;
}
.step__label { font-family: var(--mono); font-size: 11px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted); }
.step h3 { font-size: 22px; line-height: 1.2; margin: 0; }
.step p { font-size: 14px; line-height: 1.6; margin: 0; }

/* Region / sector card grid */
.sectors { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--rule); border: 1px solid var(--rule); margin-top: 32px; }
.sector { background: var(--ivory); padding: 36px 28px; min-height: 200px; }
.sector__icon {
  display: inline-block;
  font-family: var(--serif); font-style: italic;
  font-size: 22px;
  color: var(--gold);
  margin-bottom: 16px;
}
.sector h4 { font-family: var(--serif); font-size: 18px; line-height: 1.3; margin-bottom: 12px; color: var(--navy); font-weight: 400; }
.sector p { font-size: 13.5px; line-height: 1.6; color: var(--muted); margin: 0; }

/* Mid-page CTA band — subtle cream callout with gold left rule */
.cta-band {
  background: var(--ivory-2);
  border-left: 3px solid var(--gold);
  padding: 28px 36px;
  margin: 48px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}
.cta-band__text {
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(18px, 1.5vw, 22px);
  color: var(--navy);
  line-height: 1.35;
  margin: 0;
  max-width: 36ch;
}
.cta-band .btn-secondary {
  flex-shrink: 0;
  white-space: nowrap;
}
@media (max-width: 720px) {
  .cta-band {
    flex-direction: column;
    align-items: flex-start;
    padding: 22px 26px;
    gap: 16px;
    margin: 32px 0;
  }
  .cta-band .btn-secondary {
    width: 100%;
    justify-content: center;
  }
}

/* Regulatory snapshot table — country pages, replaces dense prose */
.reg-snapshot {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  font-family: var(--sans);
  font-size: 15px;
}
.reg-snapshot th,
.reg-snapshot td {
  text-align: left;
  vertical-align: top;
  padding: 16px 20px;
  border-bottom: 1px solid var(--rule);
}
.reg-snapshot tr:first-child th,
.reg-snapshot tr:first-child td {
  border-top: 1px solid var(--rule);
}
.reg-snapshot th {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 500;
  width: 200px;
  white-space: nowrap;
}
.reg-snapshot td {
  color: var(--navy-3);
  line-height: 1.55;
}
@media (max-width: 720px) {
  .reg-snapshot th {
    width: auto;
    display: block;
    padding: 14px 0 4px;
    border-bottom: 0;
    white-space: normal;
  }
  .reg-snapshot td {
    display: block;
    padding: 0 0 14px;
    border-top: 0;
  }
  .reg-snapshot tr {
    display: block;
    border-bottom: 1px solid var(--rule);
  }
  .reg-snapshot tr:first-child {
    border-top: 1px solid var(--rule);
  }
}

/* Markets list — country directory rows */
.markets-list {
  list-style: none; padding: 0; margin: 32px 0 0;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0 40px;
}
.markets-list li {
  border-top: 1px solid var(--rule);
}
.markets-list li:last-child,
.markets-list li:nth-last-child(2) { border-bottom: 1px solid var(--rule); }
.markets-list a {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 24px;
  padding: 20px 0;
  align-items: baseline;
  transition: color 0.2s;
}
.markets-list a:hover .market-name { color: var(--gold-deep); }
.markets-list .market-name {
  font-family: var(--serif);
  font-size: 19px;
  color: var(--navy);
  letter-spacing: -0.005em;
  transition: color 0.2s;
}
.markets-list .market-detail {
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted-2);
  text-align: right;
}

/* Pillars list */
.pillars { list-style: none; padding: 0; margin: 0; }
.pillars li {
  display: grid; grid-template-columns: 36px 1fr;
  gap: 16px;
  padding: 14px 0;
  border-top: 1px solid var(--rule);
  font-size: 15px;
  color: var(--navy-3);
}
.pillars li:last-child { border-bottom: 1px solid var(--rule); }
.pillars li > span:first-child {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  color: var(--gold);
  padding-top: 4px;
}

/* Two-column */
.twocol { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; margin-top: 32px; }
.twocol--asym { grid-template-columns: 1fr 1.4fr; }

/* Pull quote */
.pull { border-left: 1px solid var(--gold); padding-left: 40px; }
.pull__quote {
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(22px, 2vw, 30px);
  line-height: 1.4;
  color: var(--navy);
  margin: 0 0 16px;
}
.pull__attr {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
}

/* Card link */
.card-link {
  display: block;
  border: 1px solid var(--rule);
  background: var(--ivory);
  padding: 32px;
  transition: all 0.25s;
  position: relative;
  color: inherit;
}
.card-link:hover { border-color: var(--gold); transform: translateY(-2px); box-shadow: 0 12px 24px rgba(11, 31, 58, 0.06); }
.card-link h3 { margin-bottom: 12px; font-size: 22px; }
.card-link p { font-size: 14px; color: var(--muted); margin-bottom: 20px; }
.card-link .arrow {
  font-family: var(--mono); font-size: 11px;
  letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--gold-deep);
}

.cards-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 24px; margin-top: 32px;
}

/* ---------- FAQ ---------- */
.faqs { border-top: 1px solid var(--rule); margin-top: 32px; }
details.faq { border-bottom: 1px solid var(--rule); }
.faq__q {
  list-style: none;
  display: grid;
  grid-template-columns: 64px 1fr 32px;
  gap: 24px;
  align-items: center;
  padding: 28px 0;
  cursor: pointer;
  font-family: var(--serif);
  font-size: clamp(17px, 1.4vw, 21px);
  letter-spacing: -0.005em;
  color: var(--navy);
}
.faq__q::-webkit-details-marker { display: none; }
.faq__plus {
  width: 24px; height: 24px;
  position: relative;
  justify-self: end;
}
.faq__plus::before, .faq__plus::after {
  content: ""; position: absolute; top: 50%; left: 50%;
  background: var(--gold);
  transition: transform 0.3s;
}
.faq__plus::before { width: 14px; height: 1px; transform: translate(-50%, -50%); }
.faq__plus::after { width: 1px; height: 14px; transform: translate(-50%, -50%); }
details.faq[open] .faq__plus::after { transform: translate(-50%, -50%) scaleY(0); }
.faq__a {
  padding: 0 88px 32px 88px;
  color: var(--navy-3);
  font-size: 15.5px;
  line-height: 1.75;
  max-width: 84ch;
}

/* ---------- Contact / Form ---------- */
.contact__grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 80px; margin-top: 32px; }
.form { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.field { display: flex; flex-direction: column; gap: 8px; }
.field--full { grid-column: 1 / -1; }
.field label {
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
}
.field input, .field textarea, .field select {
  background: transparent;
  border: 0;
  border-bottom: 1px solid var(--rule-strong);
  color: var(--navy);
  font-family: var(--sans);
  font-size: 16px;
  padding: 10px 0;
  -webkit-appearance: none;
}
.field input:focus, .field textarea:focus, .field select:focus {
  outline: 0;
  border-bottom-color: var(--gold);
  background: linear-gradient(to top, rgba(154, 123, 63, 0.06), transparent 40%);
}
.field textarea { resize: vertical; min-height: 90px; }
.submit {
  background: var(--navy);
  color: var(--ivory);
  border: 1px solid var(--navy);
  padding: 18px 30px;
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  cursor: pointer;
  transition: all 0.25s;
}
.submit:hover { background: var(--gold-deep); border-color: var(--gold-deep); }

/* Honeypot — hide from real users, visible to bots */
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- Body prose links (inline) ---------- */
main p a, main li a, .faq__a a {
  color: var(--gold-deep);
  border-bottom: 1px solid var(--rule-gold);
  transition: color 0.2s, border-color 0.2s;
}
main p a:hover, main li a:hover, .faq__a a:hover {
  color: var(--navy);
  border-bottom-color: var(--navy);
}

/* ---------- Footer ---------- */
footer {
  background: var(--navy);
  color: rgba(251, 248, 241, 0.78);
  padding: 80px 0 32px;
  border-top: 1px solid var(--gold);
}
footer .brand { color: var(--ivory); }
footer h5 { color: rgba(251, 248, 241, 0.55); }
.foot__grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.4fr;
  gap: 56px;
  margin-bottom: 56px;
}
.foot h5 { margin-bottom: 18px; }
.foot ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.foot ul a { color: rgba(251, 248, 241, 0.78); font-size: 14px; transition: color 0.2s; overflow-wrap: break-word; }
.foot ul a:hover { color: var(--gold-2); }
.foot__brand p { font-size: 14px; color: rgba(251, 248, 241, 0.6); max-width: 42ch; margin-top: 14px; line-height: 1.65; }

.foot__address {
  display: flex; align-items: flex-start; gap: 22px;
  padding: 28px 0 4px;
  border-top: 1px solid rgba(251, 248, 241, 0.12);
  margin-top: 8px;
  font-style: normal;
}
.foot__address p {
  font-size: 12.5px; line-height: 1.7;
  color: rgba(251, 248, 241, 0.55);
  max-width: 80ch; margin: 0;
}

.foot__bottom {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 32px; padding-top: 28px;
  border-top: 1px solid rgba(251, 248, 241, 0.12);
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(251, 248, 241, 0.5);
}
.foot__bottom a { color: rgba(251, 248, 241, 0.68); transition: color 0.2s; }
.foot__bottom a:hover { color: var(--gold-2); }

/* ---------- Legal pages (long prose) ---------- */
.legal { padding: clamp(60px, 8vw, 110px) 0; }
.legal h2 { font-size: clamp(26px, 2.4vw, 36px); margin: 48px 0 18px; }
.legal h3 { font-size: 20px; margin: 32px 0 12px; }
.legal p, .legal li { color: var(--navy-3); font-size: 15.5px; line-height: 1.75; max-width: 76ch; }
.legal ul, .legal ol { padding-left: 24px; margin: 0 0 18px; }
.legal li { margin-bottom: 8px; }
.legal .lede { margin-bottom: 32px; }

/* ---------- Glossary ---------- */
.gloss-index {
  display: flex; flex-wrap: wrap; gap: 8px 16px;
  padding-bottom: 28px; border-bottom: 1px solid var(--rule);
  font-family: var(--mono); font-size: 11px;
  letter-spacing: 0.08em; text-transform: uppercase;
}
.gloss-index a { color: var(--navy-3); transition: color 0.2s; }
.gloss-index a:hover { color: var(--gold-deep); }
.gloss-entry {
  padding: 28px 0; border-bottom: 1px solid var(--rule-soft);
  scroll-margin-top: 92px;
}
.gloss-entry h3 { font-size: 21px; color: var(--navy); margin-bottom: 10px; font-weight: 400; }
.gloss-entry p { color: var(--navy-3); font-size: 15.5px; line-height: 1.7; margin: 0; max-width: 72ch; }
.gloss-see { margin-top: 12px !important; font-family: var(--mono); font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; }
.gloss-see a { color: var(--gold-deep); }

/* ---------- Author bio (insights E-E-A-T) ---------- */
.author-bio { border-top: 2px solid var(--gold); padding-top: 24px; max-width: 66ch; }
.author-bio .eyebrow { margin-bottom: 6px; }
.author-bio h3 { font-size: 22px; margin: 0 0 2px; font-weight: 400; color: var(--navy); }
.author-bio h3 a { color: var(--navy); transition: color 0.2s; }
.author-bio h3 a:hover { color: var(--gold-deep); }
.author-bio__title { font-family: var(--mono); font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold-deep); margin: 0 0 14px; }
.author-bio p { color: var(--navy-3); font-size: 15px; line-height: 1.7; margin: 0 0 10px; }
.author-bio__knows { font-family: var(--mono); font-size: 11px !important; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin-top: 12px !important; }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(20px); transition: opacity 0.9s ease, transform 0.9s cubic-bezier(0.16, 1, 0.3, 1); }
.reveal.in { opacity: 1; transform: none; }

/* ================================================================
   RESPONSIVE TIERS

     L1  ≤ 1024px   tablet landscape
     L2  ≤  820px   tablet portrait
     L3  ≤  720px   PRIMARY MOBILE  (nav → drawer)
     L4  ≤  560px   small mobile
     L5  ≤  380px   narrow mobile
   ================================================================ */
*, *::before, *::after { min-width: 0; }
html, body { overflow-x: hidden; }
img, svg, video, canvas, iframe { max-width: 100%; height: auto; }
.wrap, .wrap--narrow, .wrap--read { width: 100%; }

@media (max-width: 1024px) {
  :root { --section-y: clamp(60px, 7vw, 110px); }
  .topbar__row { gap: 16px; }
  .topbar__right { gap: 14px; }
  .btn-cta { padding: 10px 16px; letter-spacing: 0.14em; }

  nav.primary {
    display: none;
    position: fixed;
    top: 72px; left: 0; right: 0;
    max-height: calc(100vh - 72px);
    overflow-y: auto;
    background: var(--ivory);
    border-top: 1px solid var(--rule);
    border-bottom: 1px solid var(--rule);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 8px var(--gutter) 16px;
    z-index: 99;
    box-shadow: 0 24px 48px rgba(11, 31, 58, 0.08);
  }
  nav.primary.open { display: flex; }
  nav.primary a {
    padding: 16px 0;
    font-size: 16px;
    border-bottom: 1px solid var(--rule-soft);
  }
  nav.primary a:last-child { border-bottom: 0; }
  nav.primary a.active::after { display: none; }

  .menu-toggle { display: inline-flex; }
  .menu-toggle[aria-expanded="true"] { color: var(--gold-deep); }

  .strip__grid { grid-template-columns: repeat(2, 1fr); }
  .capabilities { grid-template-columns: 1fr; }
  .capability:nth-child(odd) { border-right: none; padding-right: 0; }
  .capability:nth-child(even) { padding-left: 0; }
  .solutions, .steps { grid-template-columns: 1fr; }
  .sectors { grid-template-columns: repeat(2, 1fr); }
  .markets-list { grid-template-columns: 1fr; }
  .twocol, .twocol--asym, .contact__grid { grid-template-columns: 1fr; gap: 40px; }
  .foot__grid { grid-template-columns: 1fr 1fr; }
  .cards-grid { grid-template-columns: 1fr; }
  .section__head { grid-template-columns: 1fr; gap: 20px; margin-bottom: 40px; }

  .cards-grid[style*="grid-template-columns"] { grid-template-columns: 1fr !important; }
  .sectors[style*="grid-template-columns"]   { grid-template-columns: repeat(2, 1fr) !important; }
}

@media (max-width: 900px) {
  /* The utility bar's text wraps into its fixed-height strip below ~900px,
     overflowing the bar. Hide it here; the email is also in the header CTA
     and the footer. (Already hidden <=720px; this widens the threshold.) */
  .utility { display: none; }
}

@media (max-width: 820px) {
  :root {
    --section-y: clamp(56px, 6.5vw, 90px);
    --gutter: clamp(20px, 4vw, 40px);
  }
  .hero { padding: clamp(64px, 9vw, 110px) 0 clamp(40px, 6vw, 70px); }
  .hero--inner { padding: clamp(60px, 8vw, 96px) 0 clamp(28px, 4vw, 48px); }
  .hero__meta { gap: 14px 22px; margin-bottom: 32px; }
  .hero__headline { margin-bottom: 32px; }
  .hero__sub { margin-bottom: 24px; }
  .hero__positioning { margin-bottom: 32px; }
  .pillars li { grid-template-columns: 28px 1fr; gap: 12px; }
  footer { padding: 56px 0 28px; }
  .foot__grid { gap: 40px; margin-bottom: 40px; }
}

@media (max-width: 720px) {
  :root { --section-y: clamp(48px, 11vw, 72px); --gutter: 20px; }
  body { font-size: 15.5px; line-height: 1.62; }

  .utility { display: none; }
  .topbar__row { height: 60px; gap: 16px; }
  .brand { font-size: 15.5px; gap: 12px; }
  .brand__rule { height: 20px; }
  .brand__mark { width: 28px; height: 28px; }
  nav.primary { top: 60px; max-height: calc(100vh - 60px); }
  .topbar__right { gap: 12px; }
  .btn-cta { padding: 9px 14px; font-size: 10.5px; letter-spacing: 0.14em; }

  .hero { padding-top: 48px; padding-bottom: 36px; }
  .hero--inner { padding-top: 48px; padding-bottom: 28px; }
  .hero__meta { font-size: 10px; letter-spacing: 0.16em; gap: 10px 18px; margin-bottom: 24px; }
  .hero__meta span + span::before { margin-right: 10px; }
  .hero__headline { margin-bottom: 24px; line-height: 1.05; }
  .hero__sub { font-size: 17px; line-height: 1.45; margin-bottom: 20px; }
  .hero__positioning { font-size: 15px; line-height: 1.65; margin-bottom: 28px; }
  .hero__ctas { gap: 12px; }

  .btn-primary, .btn-secondary {
    padding: 16px 22px; font-size: 11px; letter-spacing: 0.18em;
    width: 100%; justify-content: center;
  }

  .strip__grid { grid-template-columns: 1fr; gap: 1px; }
  .strip__cell { padding: 22px var(--gutter); }
  .strip__value { font-size: 19px; }

  .solutions, .steps, .sectors,
  .sectors[style*="grid-template-columns"] { grid-template-columns: 1fr !important; }
  .solution { padding: 32px 24px; }
  .step { padding: 28px 22px; min-height: 0; }
  .step__num { font-size: 36px; }
  .sector { padding: 28px 22px; min-height: 0; }

  .cards-grid { gap: 16px; }
  .card-link { padding: 24px; }
  .card-link h3 { font-size: 19px; }

  .markets-list { grid-template-columns: 1fr; gap: 0; }
  .markets-list a { grid-template-columns: 1fr; gap: 4px; padding: 16px 0; }
  .markets-list .market-detail { text-align: left; }

  .pillars li { grid-template-columns: 26px 1fr; gap: 12px; padding: 12px 0; font-size: 14.5px; }

  .twocol, .twocol--asym, .contact__grid { gap: 32px; }

  .faq__q { grid-template-columns: 44px 1fr 22px; gap: 12px; padding: 22px 0; font-size: 16.5px; }
  .faq__a { padding: 0 56px 24px 56px; font-size: 14.5px; }

  .form { grid-template-columns: 1fr; gap: 22px; }
  .field input, .field textarea, .field select { font-size: 16px; }
  .submit { padding: 16px 22px; font-size: 11.5px; width: 100%; }

  .pull { padding-left: 24px; }

  footer { padding: 48px 0 24px; }
  .foot__grid { grid-template-columns: 1fr; gap: 32px; margin-bottom: 36px; }
  .foot__address { gap: 16px; padding: 24px 0 0; }
  .foot__bottom { flex-direction: column; gap: 14px; align-items: flex-start; margin-top: 24px; padding-top: 20px; font-size: 10.5px; }
}

@media (max-width: 560px) {
  /* On phones the "Request a Quote" CTA pushes the menu toggle off the right
     edge (clipped by overflow-x:hidden). Drop it here — the menu's Contact
     link reaches the same destination. */
  .btn-cta { display: none; }
  .hero__meta span + span::before { display: none; }
  .hero__meta span + span { margin-left: 0; }
  .section__head { margin-bottom: 32px; }
  .card-link { padding: 22px; }
}

@media (max-width: 380px) {
  body { font-size: 15px; }
  .hero__headline { font-size: clamp(36px, 11vw, 44px); }
  .brand { font-size: 14.5px; }
  .btn-cta { padding: 8px 12px; font-size: 10px; }
}

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  * { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}