/* ================================================================
   Premium Capital Investment Ghana — Theme v1.0
   Editorial finance · dual-theme (light pages, dark hero/footer)
   ================================================================ */

:root {
  --navy: #0A1F4D;
  --navy-deep: #050F2A;
  --navy-soft: #1A2E5C;
  --navy-rich: #0F2557;
  --orange: #F47920;
  --orange-deep: #D9651A;
  --orange-soft: #FFE4D0;
  --gold: #B08840;
  --gold-soft: #D4B26A;
  --gold-deep: #8B6A2E;
  --paper: #FAF7F2;
  --paper-warm: #F4EFE7;
  --paper-cool: #F7F5F0;
  --bone: #EDE7DA;
  --ink: #131826;
  --ink-soft: #444B5E;
  --ink-mute: #7A8095;
  --line: #E8E2D6;
  --line-soft: #F0EBE0;
  --line-gold: rgba(176, 136, 64, 0.25);
  --success: #2E7D5A;
  --warn: #C8810E;
  --error: #B83A3A;
  --shadow-sm: 0 4px 12px -4px rgba(10,31,77,0.08);
  --shadow-md: 0 16px 32px -16px rgba(10,31,77,0.15);
  --shadow-lg: 0 24px 48px -12px rgba(10,31,77,0.18);
  --shadow-xl: 0 40px 80px -20px rgba(10,31,77,0.25);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, system-ui, sans-serif;
  background: var(--paper);
  color: var(--ink);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; }

.container { max-width: 1280px; margin: 0 auto; padding: 0 32px; }
.container-narrow { max-width: 880px; margin: 0 auto; padding: 0 32px; }
.eyebrow {
  font-size: 11px; font-weight: 600; letter-spacing: 0.22em;
  text-transform: uppercase; color: var(--orange);
}

/* ============ ANNOUNCEMENT BAR ============ */
.announce {
  background: var(--navy-deep);
  color: var(--paper);
  font-size: 13px;
  padding: 9px 0;
  text-align: center;
}
.announce strong { color: var(--orange); font-weight: 600; }
.announce a { color: var(--orange); text-decoration: underline; margin-left: 4px; }

/* ============ HEADER / NAV ============ */
header {
  background: var(--paper);
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 100;
  backdrop-filter: blur(10px);
}
.nav-wrap {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 32px; max-width: 1280px; margin: 0 auto;
}
.logo { display: flex; align-items: center; gap: 14px; }
.logo-mark { width: 46px; height: 46px; flex-shrink: 0; }
.logo-text { display: flex; flex-direction: column; line-height: 1; }
.logo-text .lt-1 {
  font-family: 'Inter', sans-serif; font-size: 22px; font-weight: 600;
  color: var(--navy); letter-spacing: -0.01em;
}
.logo-text .lt-2 {
  font-family: 'Inter', sans-serif; font-size: 13px; color: var(--navy); margin-top: 3px;
}
nav ul { display: flex; gap: 32px; list-style: none; align-items: center; }
nav li { position: relative; }
nav > ul > li > a {
  font-size: 14px; font-weight: 500; color: var(--navy);
  padding: 8px 0; transition: color 0.2s;
}
nav > ul > li > a:hover, nav > ul > li > a.active { color: var(--orange); }
.dropdown {
  position: absolute; top: 100%; left: -20px;
  background: var(--paper); border: 1px solid var(--line);
  box-shadow: var(--shadow-lg); padding: 24px;
  min-width: 280px; opacity: 0; pointer-events: none;
  transform: translateY(8px);
  transition: opacity 0.25s, transform 0.25s;
}
.dropdown.wide { min-width: 540px; display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
nav li:hover .dropdown { opacity: 1; pointer-events: auto; transform: translateY(0); }
.dropdown h4 {
  font-size: 11px; font-weight: 600; letter-spacing: 0.18em;
  text-transform: uppercase; color: var(--ink-mute); margin-bottom: 14px;
}
.dropdown ul { display: block; }
.dropdown ul li a {
  display: block; padding: 7px 0; font-size: 14px;
  color: var(--navy); transition: color 0.2s, padding 0.2s;
}
.dropdown ul li a:hover { color: var(--orange); padding-left: 6px; }
.cta-login {
  background: var(--orange); color: white;
  padding: 12px 22px; font-size: 13px; font-weight: 600;
  letter-spacing: 0.04em; text-transform: uppercase;
  transition: background 0.2s;
}
.cta-login:hover { background: var(--orange-deep); color: white; }
.menu-toggle { display: none; background: none; border: none; padding: 8px; cursor: pointer; }
.menu-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: 0.3s; }

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 16px 28px; font-size: 14px; font-weight: 600;
  letter-spacing: 0.04em; text-transform: uppercase;
  transition: all 0.25s; border: 1px solid transparent;
  cursor: pointer; text-align: center;
}
.btn-primary { background: var(--orange); color: white; }
.btn-primary:hover { background: var(--orange-deep); transform: translateY(-1px); color: white; }
.btn-ghost { background: transparent; color: var(--paper); border-color: rgba(250,247,242,0.3); }
.btn-ghost:hover { background: rgba(250,247,242,0.08); border-color: var(--paper); color: var(--paper); }
.btn-dark { background: var(--navy); color: white; }
.btn-dark:hover { background: var(--navy-soft); color: white; }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: white; }
.btn-sm { padding: 10px 18px; font-size: 12px; }

/* ============ SECTIONS ============ */
section { padding: 110px 0; }
.section-head { max-width: 720px; margin-bottom: 72px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 {
  font-family: 'Inter', sans-serif; font-weight: 500;
  font-size: clamp(34px, 4.5vw, 56px); line-height: 1.1;
  letter-spacing: -0.025em; color: var(--navy); margin: 14px 0 24px;
}
.section-head h2 em { font-weight: 400; color: var(--orange); }
.section-head p { font-size: 18px; color: var(--ink-soft); line-height: 1.6; max-width: 600px; }
.section-head.center p { margin: 0 auto; }

/* ============ PAGE BANNER ============ */
.page-banner {
  background: var(--navy-deep); color: var(--paper);
  padding: 80px 0 70px; position: relative; overflow: hidden;
}
.page-banner::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 80% 30%, rgba(244, 121, 32, 0.10), transparent 50%);
}
.page-banner::after {
  content: ''; position: absolute; right: -150px; top: 50%; transform: translateY(-50%);
  width: 500px; height: 500px;
  background-image: radial-gradient(circle at center, rgba(244, 121, 32, 0.18) 0%, transparent 1.2px);
  background-size: 28px 28px; opacity: 0.4; pointer-events: none;
}
.page-banner .container { position: relative; z-index: 1; }
.page-banner h1 {
  font-family: 'Inter', sans-serif; font-weight: 500;
  font-size: clamp(36px, 5vw, 64px); letter-spacing: -0.025em;
  line-height: 1.05; margin: 18px 0 24px;
}
.page-banner h1 em { color: var(--orange); }
.page-banner p { font-size: 18px; color: rgba(250,247,242,0.78); max-width: 640px; }
.breadcrumb {
  font-size: 12px; color: rgba(250,247,242,0.55);
  letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 8px;
}
.breadcrumb a { color: rgba(250,247,242,0.7); }
.breadcrumb a:hover { color: var(--orange); }

/* ============ TRUST STRIP ============ */
.trust-strip {
  background: var(--paper-warm); border-bottom: 1px solid var(--line);
  padding: 32px 0;
}
.trust-row {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
}
.trust-item { display: flex; align-items: center; gap: 12px; font-size: 13px; color: var(--navy); }
.trust-item .check {
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--navy); color: var(--orange);
  display: grid; place-items: center;
  font-size: 13px; font-weight: 700; flex-shrink: 0;
}
.trust-item .t1 { font-weight: 600; line-height: 1.3; }
.trust-item .t2 { font-size: 11px; color: var(--ink-mute); margin-top: 2px; line-height: 1.3; }

/* ============ CARDS ============ */
.card {
  padding: 32px; background: white;
  border: 1px solid var(--line); transition: all 0.25s;
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

/* ============ FORMS ============ */
.form-card {
  background: white; padding: 56px;
  border: 1px solid var(--line); box-shadow: var(--shadow-sm);
}
.form-progress {
  display: flex; gap: 12px; margin-bottom: 36px;
  padding-bottom: 24px; border-bottom: 1px solid var(--line);
  flex-wrap: wrap;
}
.step-pill {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 14px; background: var(--paper-warm);
  border: 1px solid var(--line); font-size: 12px;
  font-weight: 600; color: var(--ink-mute);
  letter-spacing: 0.04em; text-transform: uppercase;
}
.step-pill.active { background: var(--navy); color: white; border-color: var(--navy); }
.step-pill.done { background: var(--success); color: white; border-color: var(--success); }
.step-pill .num { font-family: 'Inter', sans-serif; }
.form-section-title {
  font-family: 'Inter', sans-serif; font-size: 22px; color: var(--navy);
  margin-bottom: 8px; font-weight: 500;
}
.form-section-sub { font-size: 14px; color: var(--ink-soft); margin-bottom: 28px; }

.form-group { margin-bottom: 22px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-row-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 20px; }
label {
  display: block; font-size: 13px; font-weight: 600;
  color: var(--navy); margin-bottom: 8px; letter-spacing: 0.02em;
}
label .req { color: var(--orange); margin-left: 4px; }
label .helper { font-weight: 400; color: var(--ink-mute); font-size: 12px; }
input[type="text"], input[type="email"], input[type="tel"], input[type="number"],
input[type="date"], input[type="password"], select, textarea {
  width: 100%; padding: 14px 16px; border: 1px solid var(--line);
  background: var(--paper); font-family: 'Inter', sans-serif;
  font-size: 15px; color: var(--ink);
  transition: border-color 0.2s, background 0.2s;
}
input:focus, select:focus, textarea:focus {
  outline: none; border-color: var(--orange); background: white;
}
textarea { min-height: 120px; resize: vertical; }
select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%230A1F4D' d='M6 8L0 0h12z'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 18px center;
  padding-right: 44px;
}
.radio-group, .check-group { display: grid; gap: 12px; }
.radio-card, .check-card {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 16px 20px; border: 1px solid var(--line);
  background: var(--paper); cursor: pointer; transition: all 0.2s;
}
.radio-card:hover, .check-card:hover { border-color: var(--orange); background: white; }
.radio-card input, .check-card input { margin-top: 3px; flex-shrink: 0; accent-color: var(--orange); }
.radio-card .label-main, .check-card .label-main { font-weight: 600; font-size: 14px; color: var(--navy); }
.radio-card .label-sub, .check-card .label-sub { font-size: 13px; color: var(--ink-soft); margin-top: 2px; }
.consent-box {
  background: var(--paper-warm); padding: 20px;
  border-left: 3px solid var(--orange);
  font-size: 13px; color: var(--ink-soft);
  line-height: 1.6; margin: 24px 0;
}
.consent-box strong { color: var(--navy); }
.consent-box a { color: var(--orange); border-bottom: 1px solid var(--orange); }
.form-cta {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 32px; padding-top: 24px; border-top: 1px solid var(--line);
  flex-wrap: wrap; gap: 16px;
}
.field-error { color: var(--error); font-size: 12px; margin-top: 4px; display: none; }
.field-error.show { display: block; }

/* ============ FOOTER ============ */
footer { background: var(--navy); color: var(--paper); padding: 80px 0 0; }
.footer-grid {
  display: grid; grid-template-columns: 1.4fr repeat(4, 1fr);
  gap: 48px; padding-bottom: 60px;
  border-bottom: 1px solid rgba(250,247,242,0.15);
}
.footer-brand .logo-text .lt-1, .footer-brand .logo-text .lt-2 { color: var(--paper); }
.footer-brand p { color: rgba(250,247,242,0.6); font-size: 14px; margin: 24px 0; line-height: 1.6; }
.footer-brand .tagline {
  font-size: 11px; font-weight: 600; letter-spacing: 0.4em;
  color: var(--orange); margin-top: 8px;
}
footer h5 {
  font-size: 11px; font-weight: 600; letter-spacing: 0.2em;
  text-transform: uppercase; color: var(--orange); margin-bottom: 22px;
}
footer ul { list-style: none; }
footer ul li { margin-bottom: 10px; }
footer ul li a { font-size: 13px; color: rgba(250,247,242,0.7); transition: color 0.2s; }
footer ul li a:hover { color: var(--orange); }
.legal-strip {
  padding: 36px 0; font-size: 12px; color: rgba(250,247,242,0.55); line-height: 1.7;
}
.legal-strip strong { color: rgba(250,247,242,0.85); font-weight: 600; }
.risk-warning {
  margin-top: 18px; padding: 16px 20px;
  border-left: 2px solid var(--orange);
  background: rgba(244,121,32,0.05);
  color: rgba(250,247,242,0.75); font-size: 12px;
}
.risk-warning strong { color: var(--orange); }
.copyright {
  padding: 24px 0; border-top: 1px solid rgba(250,247,242,0.1);
  font-size: 12px; color: rgba(250,247,242,0.5);
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 16px;
}
.copyright a { color: rgba(250,247,242,0.5); }
.copyright a:hover { color: var(--orange); }

/* ============ COOKIE BANNER ============ */
.cookie-banner {
  position: fixed; bottom: 24px; left: 24px; right: 24px;
  max-width: 480px; background: var(--navy); color: var(--paper);
  padding: 24px; box-shadow: 0 24px 48px -12px rgba(0,0,0,0.4);
  z-index: 200; border-left: 3px solid var(--orange);
}
.cookie-banner h4 { font-family: 'Inter', sans-serif; font-size: 18px; margin-bottom: 8px; }
.cookie-banner p { font-size: 13px; color: rgba(250,247,242,0.7); margin-bottom: 16px; line-height: 1.55; }
.cookie-banner .row { display: flex; gap: 10px; flex-wrap: wrap; }
.cookie-banner button {
  font-size: 12px; padding: 10px 18px; cursor: pointer;
  border: none; font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase;
}
.cookie-banner .accept { background: var(--orange); color: white; }
.cookie-banner .essential { background: transparent; color: var(--paper); border: 1px solid rgba(250,247,242,0.3); }

/* ============ ANIMATIONS ============ */
@keyframes fadeUp { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
.reveal { animation: fadeUp 0.8s ease-out backwards; }

/* ============ RESPONSIVE ============ */
@media (max-width: 980px) {
  nav > ul { display: none; }
  .menu-toggle { display: block; }
  nav.mobile-open > ul {
    display: flex; position: absolute; top: 100%; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--paper); padding: 16px 32px;
    border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md);
  }
  nav.mobile-open > ul > li { border-bottom: 1px solid var(--line-soft); }
  nav.mobile-open > ul > li:last-child { border-bottom: none; }
  nav.mobile-open > ul > li > a { display: block; padding: 14px 0; }
  .dropdown { position: static; opacity: 1; pointer-events: auto; transform: none; box-shadow: none; border: none; padding: 0 0 12px 16px; }
  .dropdown.wide { grid-template-columns: 1fr; gap: 12px; min-width: auto; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .trust-row { grid-template-columns: 1fr 1fr; }
  section { padding: 70px 0; }
  .form-card { padding: 32px 24px; }
  .form-row, .form-row-3 { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .container, .container-narrow { padding: 0 20px; }
  .footer-grid { grid-template-columns: 1fr; }
  .trust-row { grid-template-columns: 1fr; }
  .nav-wrap { padding: 14px 20px; }
  .logo-text .lt-1 { font-size: 18px; }
  .logo-text .lt-2 { font-size: 11px; }
}


/* ============================================================
   HOMEPAGE-SPECIFIC STYLES (h-* classes) — for front-page.php
   ============================================================ */

/* ================================================================
   HOMEPAGE — Premium private-bank treatment
   Generous whitespace · gold accents · editorial typography · photography
   ================================================================ */

.home-eyebrow {
  font-size: 11px; font-weight: 500; letter-spacing: 0.32em;
  text-transform: uppercase; color: var(--gold);
  display: inline-flex; align-items: center; gap: 14px;
}
.home-eyebrow::before {
  content: ''; width: 32px; height: 1px; background: var(--gold);
}

/* ============ HERO ============ */
.h-hero { background: var(--paper); padding: 100px 0 0; position: relative; overflow: hidden; }
.h-hero-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 80px; align-items: center; min-height: 640px; }
.h-hero-text { padding-bottom: 80px; }
.h-hero h1 {
  font-family: 'Inter', sans-serif; font-weight: 400;
  font-size: clamp(48px, 6vw, 92px); line-height: 0.98;
  letter-spacing: -0.035em; color: var(--navy); margin: 32px 0 36px;
}
.h-hero h1 em { font-weight: 400; color: var(--gold); }
.h-hero h1 .ampersand { font-weight: 300; color: var(--gold); font-size: 0.85em; margin: 0 -0.05em; }
.h-hero-lede { font-size: 19px; color: var(--ink-soft); line-height: 1.6; max-width: 520px; margin-bottom: 48px; font-weight: 400; }
.h-hero-cta { display: flex; gap: 32px; align-items: center; flex-wrap: wrap; }
.h-cta-primary {
  font-family: 'Inter', sans-serif; background: var(--navy); color: var(--paper);
  padding: 20px 40px; font-size: 13px; font-weight: 500;
  letter-spacing: 0.18em; text-transform: uppercase; transition: all 0.3s;
  border: none; display: inline-flex; align-items: center; gap: 16px; cursor: pointer;
}
.h-cta-primary:hover { background: var(--navy-deep); color: var(--paper); padding-right: 48px; }
.h-cta-primary::after { content: '→'; font-size: 16px; transition: transform 0.3s; }
.h-cta-primary:hover::after { transform: translateX(6px); }
.h-cta-text {
  font-size: 13px; font-weight: 500; letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--navy); border-bottom: 1px solid var(--gold); padding-bottom: 6px; transition: color 0.2s;
}
.h-cta-text:hover { color: var(--gold); }

.h-hero-photo { position: relative; height: 560px; margin-bottom: 80px; }
.h-hero-photo .photo-frame {
  position: absolute; inset: 0;
  background-image: url('assets/img/lifestyle-professional.jpg');
  background-size: cover; background-position: center;
  filter: contrast(1.02) saturate(0.95);
}
.h-hero-photo::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, transparent 60%, rgba(10, 31, 77, 0.15) 100%);
  z-index: 1; pointer-events: none;
}
.h-hero-photo::after {
  content: ''; position: absolute; top: -20px; right: -20px;
  width: 100%; height: 100%; border: 1px solid var(--gold); z-index: -1;
}
.h-hero-quote {
  position: absolute; bottom: -40px; left: -40px;
  background: var(--paper); padding: 28px 32px; max-width: 320px;
  border-left: 2px solid var(--gold); z-index: 2; box-shadow: var(--shadow-lg);
}
.h-hero-quote .q-text {
  font-family: 'Inter', sans-serif; font-style: italic; font-weight: 300;
  font-size: 16px; line-height: 1.5; color: var(--navy); margin-bottom: 14px;
}
.h-hero-quote .q-attr {
  font-size: 11px; letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--ink-mute); font-weight: 500;
}

.h-hero-meta { margin-top: 60px; padding: 36px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.h-hero-meta-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.h-hero-meta-item { padding: 0 32px; border-right: 1px solid var(--line); text-align: center; }
.h-hero-meta-item:last-child { border-right: none; }
.h-hero-meta-item .num {
  font-family: 'Inter', sans-serif; font-weight: 400;
  font-size: 36px; color: var(--navy); letter-spacing: -0.02em; line-height: 1; margin-bottom: 10px;
}
.h-hero-meta-item .num em { color: var(--gold); font-weight: 400; }
.h-hero-meta-item .lbl { font-size: 10px; font-weight: 500; letter-spacing: 0.22em; text-transform: uppercase; color: var(--ink-mute); }

/* ============ REBRAND BAR ============ */
.h-rebrand { background: var(--navy-deep); color: var(--paper); padding: 32px 0; border-top: 1px solid var(--gold); border-bottom: 1px solid var(--gold); }
.h-rebrand .container { display: flex; align-items: center; justify-content: center; gap: 24px; flex-wrap: wrap; text-align: center; }
.h-rebrand-tag { font-size: 10px; letter-spacing: 0.32em; text-transform: uppercase; color: var(--gold); font-weight: 500; }
.h-rebrand-text { font-family: 'Inter', sans-serif; font-weight: 400; font-size: 18px; }
.h-rebrand-text strong { color: var(--gold); font-style: normal; font-weight: 500; }
.h-rebrand-link { color: var(--paper); border-bottom: 1px solid var(--gold); font-size: 12px; letter-spacing: 0.12em; text-transform: uppercase; font-weight: 500; padding-bottom: 4px; }

/* ============ PHILOSOPHY ============ */
.h-philosophy { padding: 160px 0; background: var(--paper); }
.h-philosophy-inner { max-width: 920px; margin: 0 auto; text-align: center; }
.h-philosophy h2 {
  font-family: 'Inter', sans-serif; font-weight: 400;
  font-size: clamp(36px, 4.5vw, 64px); line-height: 1.15; letter-spacing: -0.025em;
  color: var(--navy); margin: 28px 0 0;
}
.h-philosophy h2 em { color: var(--gold); font-weight: 400; }
.h-philosophy-pillars { margin-top: 100px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 64px; text-align: left; }
.h-pillar { padding-top: 28px; border-top: 1px solid var(--gold); }
.h-pillar-num { font-family: 'Inter', sans-serif; font-weight: 400; font-size: 14px; color: var(--gold); letter-spacing: 0.06em; margin-bottom: 20px; }
.h-pillar h3 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: 24px; color: var(--navy); margin-bottom: 16px; letter-spacing: -0.01em; }
.h-pillar p { font-size: 15px; color: var(--ink-soft); line-height: 1.7; }

/* ============ EDITORIAL FEATURE ============ */
.h-feature { background: var(--navy-deep); color: var(--paper); padding: 0; position: relative; }
.h-feature-grid { display: grid; grid-template-columns: 1fr 1fr; min-height: 720px; }
.h-feature-photo {
  background-image: url('assets/img/lifestyle-market-trader.jpg');
  background-size: cover; background-position: center; position: relative;
}
.h-feature-photo::after { content: ''; position: absolute; inset: 0; background: linear-gradient(45deg, rgba(5,15,42,0.4) 0%, transparent 60%); }
.h-feature-content { padding: 120px 80px; display: flex; flex-direction: column; justify-content: center; background: var(--navy-deep); position: relative; }
.h-feature-content::before { content: ''; position: absolute; top: 80px; right: 80px; width: 64px; height: 1px; background: var(--gold); }
.h-feature h2 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: clamp(36px, 4vw, 56px); line-height: 1.1; letter-spacing: -0.025em; color: var(--paper); margin: 28px 0 36px; }
.h-feature h2 em { color: var(--gold-soft); font-weight: 300; }
.h-feature p { font-size: 17px; color: rgba(250, 247, 242, 0.78); line-height: 1.7; margin-bottom: 22px; max-width: 540px; }
.h-feature p strong { color: var(--paper); font-weight: 500; }
.h-feature-cta { margin-top: 28px; font-size: 12px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--gold-soft); border-bottom: 1px solid var(--gold-soft); padding-bottom: 6px; display: inline-block; }

/* ============ PRACTICES ============ */
.h-practices { padding: 160px 0; background: var(--paper); }
.h-practices-head { text-align: center; max-width: 720px; margin: 0 auto 100px; }
.h-practices-head h2 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: clamp(36px, 4.5vw, 60px); line-height: 1.1; letter-spacing: -0.025em; color: var(--navy); margin-top: 24px; }
.h-practices-head h2 em { color: var(--gold); font-weight: 400; }
.h-practices-grid { display: grid; grid-template-columns: repeat(2, 1fr); }
.h-practice { padding: 72px 64px; border-top: 1px solid var(--line); border-right: 1px solid var(--line); position: relative; transition: background 0.4s; }
.h-practice:nth-child(2n) { border-right: none; }
.h-practice:nth-last-child(-n+2) { border-bottom: 1px solid var(--line); }
.h-practice:hover { background: var(--paper-warm); }
.h-practice-num { font-family: 'Inter', sans-serif; font-weight: 400; font-size: 14px; color: var(--gold); letter-spacing: 0.04em; margin-bottom: 28px; display: block; }
.h-practice h3 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: 28px; color: var(--navy); margin-bottom: 18px; letter-spacing: -0.015em; line-height: 1.15; }
.h-practice p { color: var(--ink-soft); font-size: 15px; line-height: 1.7; margin-bottom: 32px; max-width: 460px; }
.h-practice-link { font-size: 11px; font-weight: 500; letter-spacing: 0.22em; text-transform: uppercase; color: var(--navy); border-bottom: 1px solid var(--gold); padding-bottom: 6px; display: inline-flex; align-items: center; gap: 10px; transition: gap 0.3s; }
.h-practice:hover .h-practice-link { gap: 16px; }
.h-practice-link::after { content: '→'; }

/* ============ CLIENTS ============ */
.h-clients { background: var(--paper-warm); padding: 160px 0; }
.h-clients-head { text-align: center; margin-bottom: 100px; max-width: 720px; margin-left: auto; margin-right: auto; }
.h-clients-head h2 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: clamp(36px, 4.5vw, 60px); line-height: 1.1; letter-spacing: -0.025em; color: var(--navy); margin-top: 24px; }
.h-clients-head h2 em { color: var(--gold); font-weight: 400; }
.h-clients-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 48px; }
.h-client-card { background: var(--paper); border: 1px solid var(--line); transition: all 0.4s; }
.h-client-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--gold); }
.h-client-card .photo { aspect-ratio: 4/3; background-size: cover; background-position: center; filter: contrast(1.02) saturate(0.92); }
.h-client-card .body { padding: 36px 32px; }
.h-client-card .tag { font-size: 10px; letter-spacing: 0.32em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; font-weight: 500; }
.h-client-card h3 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: 22px; color: var(--navy); margin-bottom: 14px; letter-spacing: -0.015em; line-height: 1.25; }
.h-client-card p { font-size: 14px; color: var(--ink-soft); line-height: 1.65; margin-bottom: 20px; }
.h-client-card .read { font-size: 11px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--navy); border-bottom: 1px solid var(--gold); padding-bottom: 4px; font-weight: 500; }

/* ============ MARKETS ============ */
.h-markets { padding: 160px 0; background: var(--paper); }
.h-markets-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 100px; align-items: start; }
.h-markets-text h2 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: clamp(34px, 4vw, 52px); line-height: 1.1; letter-spacing: -0.025em; color: var(--navy); margin: 24px 0 28px; }
.h-markets-text h2 em { color: var(--gold); font-weight: 400; }
.h-markets-text p { font-size: 16px; color: var(--ink-soft); line-height: 1.7; margin-bottom: 18px; }
.h-rates-table { background: var(--paper); }
.h-rates-table .head { display: grid; grid-template-columns: 1fr 1fr 1fr; padding: 20px 0; border-top: 1px solid var(--navy); border-bottom: 1px solid var(--line); font-size: 10px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--ink-mute); font-weight: 500; }
.h-rates-table .head span:nth-child(2), .h-rates-table .head span:nth-child(3) { text-align: right; }
.h-rate-row { display: grid; grid-template-columns: 1fr 1fr 1fr; padding: 24px 0; border-bottom: 1px solid var(--line); align-items: baseline; }
.h-rate-row .instrument { font-family: 'Inter', sans-serif; font-size: 18px; color: var(--navy); font-weight: 400; }
.h-rate-row .rate { font-family: 'Inter', sans-serif; font-weight: 400; font-size: 28px; color: var(--navy); text-align: right; letter-spacing: -0.02em; }
.h-rate-row .rate em { color: var(--gold); font-weight: 400; font-size: 0.7em; }
.h-rate-row .change { text-align: right; font-size: 12px; color: var(--ink-mute); letter-spacing: 0.04em; }
.h-rates-foot { margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--line); font-size: 11px; letter-spacing: 0.04em; color: var(--ink-mute); line-height: 1.6; }

/* ============ DIASPORA ============ */
.h-diaspora { padding: 0; background: var(--paper); }
.h-diaspora-grid { display: grid; grid-template-columns: 1fr 1.2fr; min-height: 680px; }
.h-diaspora-content { padding: 140px 80px; display: flex; flex-direction: column; justify-content: center; background: var(--paper-warm); }
.h-diaspora-content h2 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: clamp(36px, 4vw, 56px); line-height: 1.1; letter-spacing: -0.025em; color: var(--navy); margin: 28px 0 32px; }
.h-diaspora-content h2 em { color: var(--gold); font-weight: 400; }
.h-diaspora-content p { font-size: 16px; color: var(--ink-soft); line-height: 1.75; margin-bottom: 18px; max-width: 520px; }
.h-diaspora-list { margin: 28px 0 36px; list-style: none; padding: 0; }
.h-diaspora-list li { padding: 16px 0; border-bottom: 1px solid var(--line); display: grid; grid-template-columns: 36px 1fr; gap: 16px; font-size: 14px; color: var(--navy); align-items: baseline; font-weight: 500; }
.h-diaspora-list li::before { content: '—'; color: var(--gold); }
.h-diaspora-photo { background-image: url('assets/img/lifestyle-mobile-market.jpg'); background-size: cover; background-position: center; }

/* ============ PARTNERS ============ */
.h-partners { padding: 160px 0; background: var(--navy-deep); color: var(--paper); position: relative; }
.h-partners-head { text-align: center; max-width: 760px; margin: 0 auto 90px; }
.h-partners-head h2 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: clamp(36px, 4vw, 56px); line-height: 1.1; letter-spacing: -0.025em; color: var(--paper); margin: 24px 0 24px; }
.h-partners-head h2 em { color: var(--gold-soft); font-weight: 400; }
.h-partners-head p { font-size: 16px; color: rgba(250, 247, 242, 0.7); line-height: 1.7; }
.h-partners-eyebrow { font-size: 11px; letter-spacing: 0.32em; text-transform: uppercase; color: var(--gold-soft); display: inline-flex; align-items: center; gap: 14px; font-weight: 500; }
.h-partners-eyebrow::before { content: ''; width: 32px; height: 1px; background: var(--gold-soft); }
.h-partners-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid rgba(176, 136, 64, 0.3); border-bottom: 1px solid rgba(176, 136, 64, 0.3); }
.h-partner { padding: 56px 40px; border-right: 1px solid rgba(176, 136, 64, 0.2); text-align: center; }
.h-partner:last-child { border-right: none; }
.h-partner h3 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: 24px; color: var(--paper); margin-bottom: 10px; letter-spacing: -0.01em; }
.h-partner .role { font-size: 10px; letter-spacing: 0.32em; text-transform: uppercase; color: var(--gold-soft); font-weight: 500; margin-bottom: 24px; }
.h-partner p { font-size: 13px; color: rgba(250, 247, 242, 0.65); line-height: 1.7; }
.h-partners-disclaimer { margin-top: 60px; padding: 32px 40px; border-left: 1px solid var(--gold-soft); font-size: 13px; color: rgba(250, 247, 242, 0.75); line-height: 1.75; max-width: 880px; margin-left: auto; margin-right: auto; }
.h-partners-disclaimer strong { color: var(--gold-soft); font-weight: 500; }

/* ============ NETWORK ============ */
.h-network { padding: 160px 0; background: var(--paper); }
.h-network-head { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: end; margin-bottom: 80px; }
.h-network-head h2 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: clamp(36px, 4.5vw, 60px); line-height: 1.1; letter-spacing: -0.025em; color: var(--navy); margin-top: 24px; }
.h-network-head h2 em { color: var(--gold); font-weight: 400; }
.h-network-head .head-cta { text-align: right; }
.h-network-head p { font-size: 16px; color: var(--ink-soft); line-height: 1.7; max-width: 460px; margin-left: auto; margin-bottom: 20px; }
.h-network-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.h-branch { padding: 36px 32px; border-top: 1px solid var(--line); border-right: 1px solid var(--line); background: var(--paper); transition: background 0.3s; }
.h-branch:nth-child(4n) { border-right: none; }
.h-branch:nth-last-child(-n+4) { border-bottom: 1px solid var(--line); }
.h-branch:hover { background: var(--paper-warm); }
.h-branch.is-hq { background: var(--navy-deep); color: var(--paper); }
.h-branch.is-hq:hover { background: var(--navy); }
.h-branch-region { font-size: 9px; letter-spacing: 0.32em; text-transform: uppercase; color: var(--gold); font-weight: 500; margin-bottom: 12px; }
.h-branch.is-hq .h-branch-region { color: var(--gold-soft); }
.h-branch-name { font-family: 'Inter', sans-serif; font-weight: 400; font-size: 19px; color: var(--navy); margin-bottom: 8px; letter-spacing: -0.01em; line-height: 1.2; }
.h-branch.is-hq .h-branch-name { color: var(--paper); }
.h-branch-addr { font-size: 12px; color: var(--ink-mute); line-height: 1.55; }
.h-branch.is-hq .h-branch-addr { color: rgba(250, 247, 242, 0.65); }
.h-branch-hq-tag { display: inline-block; font-size: 9px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--gold-soft); border: 1px solid var(--gold-soft); padding: 2px 8px; margin-top: 12px; font-weight: 500; }

/* ============ INSIGHTS ============ */
.h-insights { background: var(--paper-warm); padding: 160px 0; }
.h-insights h2.section-title { font-family: 'Inter', sans-serif; font-weight: 400; font-size: clamp(36px, 4.5vw, 60px); line-height: 1.1; letter-spacing: -0.025em; color: var(--navy); margin-top: 24px; max-width: 720px; }
.h-insights h2.section-title em { color: var(--gold); font-weight: 400; }
.h-insights-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 64px; margin-top: 80px; }
.h-insight { border-top: 1px solid var(--gold); padding-top: 32px; transition: transform 0.4s; }
.h-insight:hover { transform: translateY(-4px); }
.h-insight-meta { display: flex; justify-content: space-between; font-size: 10px; letter-spacing: 0.32em; text-transform: uppercase; color: var(--ink-mute); margin-bottom: 24px; font-weight: 500; }
.h-insight-meta .cat { color: var(--gold); }
.h-insight h3 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: 24px; color: var(--navy); line-height: 1.25; letter-spacing: -0.015em; margin-bottom: 20px; }
.h-insight p { font-size: 14px; color: var(--ink-soft); line-height: 1.7; margin-bottom: 28px; }
.h-insight-read { font-size: 11px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--navy); border-bottom: 1px solid var(--gold); padding-bottom: 4px; font-weight: 500; }

/* ============ FINAL CTA ============ */
.h-cta-final { padding: 0; background: var(--paper); }
.h-cta-final-grid { display: grid; grid-template-columns: 1.4fr 1fr; min-height: 560px; }
.h-cta-final-content { padding: 140px 100px; display: flex; flex-direction: column; justify-content: center; background: var(--navy-deep); color: var(--paper); position: relative; }
.h-cta-final-content::before { content: ''; position: absolute; top: 80px; left: 100px; width: 64px; height: 1px; background: var(--gold); }
.h-cta-final-content h2 { font-family: 'Inter', sans-serif; font-weight: 400; font-size: clamp(36px, 4.5vw, 60px); line-height: 1.1; letter-spacing: -0.025em; color: var(--paper); margin: 28px 0 24px; }
.h-cta-final-content h2 em { color: var(--gold-soft); font-weight: 400; }
.h-cta-final-content p { font-size: 17px; color: rgba(250, 247, 242, 0.78); line-height: 1.7; max-width: 480px; margin-bottom: 48px; }
.h-cta-final-buttons { display: flex; gap: 32px; align-items: center; flex-wrap: wrap; }
.h-cta-final-photo { background-image: url('assets/img/lifestyle-young-entrepreneur.jpg'); background-size: cover; background-position: center; position: relative; }
.h-cta-final-photo::after { content: ''; position: absolute; inset: 0; background: linear-gradient(225deg, transparent 60%, rgba(5, 15, 42, 0.3) 100%); }
.h-btn-gold { background: transparent; color: var(--gold-soft); border: 1px solid var(--gold-soft); padding: 18px 36px; font-size: 12px; font-weight: 500; letter-spacing: 0.22em; text-transform: uppercase; transition: all 0.3s; display: inline-flex; align-items: center; gap: 14px; }
.h-btn-gold:hover { background: var(--gold-soft); color: var(--navy-deep); }
.h-btn-gold::after { content: '→'; transition: transform 0.3s; }
.h-btn-gold:hover::after { transform: translateX(4px); }
.h-link-paper { color: var(--paper); font-size: 12px; letter-spacing: 0.22em; text-transform: uppercase; border-bottom: 1px solid var(--gold-soft); padding-bottom: 4px; font-weight: 500; }

/* ============ RESPONSIVE ============ */
@media (max-width: 1100px) {
  .h-feature-content, .h-diaspora-content, .h-cta-final-content { padding: 80px 48px; }
}
@media (max-width: 980px) {
  .h-hero-grid, .h-feature-grid, .h-diaspora-grid, .h-cta-final-grid, .h-markets-grid, .h-network-head { grid-template-columns: 1fr; gap: 48px; }
  .h-hero-text { padding-bottom: 0; }
  .h-hero-photo { height: 420px; margin-bottom: 0; }
  .h-hero-quote { left: 20px; right: 20px; max-width: none; bottom: -30px; }
  .h-hero-meta-grid, .h-practices-grid, .h-network-grid { grid-template-columns: 1fr 1fr; }
  .h-philosophy-pillars, .h-clients-grid, .h-partners-list, .h-insights-grid { grid-template-columns: 1fr; gap: 40px; }
  .h-practice { padding: 48px 32px; border-right: none; }
  .h-practice:nth-child(odd) { border-right: none; }
  .h-partner { border-right: none; border-bottom: 1px solid rgba(176, 136, 64, 0.2); }
  .h-partner:last-child { border-bottom: none; }
  .h-feature-photo, .h-diaspora-photo { min-height: 360px; }
  .h-cta-final-photo { min-height: 320px; }
  .h-network-head .head-cta { text-align: left; }
  .h-network-head p { margin-left: 0; }
  .h-philosophy, .h-practices, .h-clients, .h-markets, .h-partners, .h-network, .h-insights { padding: 100px 0; }
}
@media (max-width: 600px) {
  .h-hero-meta-grid, .h-practices-grid, .h-network-grid { grid-template-columns: 1fr; }
  .h-hero-meta-item { border-right: none; border-bottom: 1px solid var(--line); padding: 20px 0; }
  .h-hero-meta-item:last-child { border-bottom: none; }
  .h-branch:nth-child(n) { border-right: none; }
  .h-feature-content, .h-diaspora-content, .h-cta-final-content { padding: 64px 24px; }
}