/* Shared styles from all pages */

/* from about.html */
:root{--navy:#0A1628;--navy-mid:#112240;--navy-light:#1E3A5F;--gold:#C9A84C;--gold-light:#E8C96A;--white:#fff;--text-muted:#8A9BB5;--text-body:#D4DCE8;--border:rgba(201,168,76,0.2);--green:#1DB87A;--red:#FF5C5C;}
*{margin:0;padding:0;box-sizing:border-box;}html{scroll-behavior:smooth;}
body{font-family:"DM Sans",sans-serif;background:var(--navy);color:var(--white);overflow-x:hidden;}
nav{position:sticky;top:0;width:100%;z-index:200;background:rgba(10,22,40,0.97);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);padding:0 60px;display:flex;align-items:center;justify-content:space-between;height:64px;}
.logo{font-family:"Playfair Display",serif;font-size:1.35rem;font-weight:700;color:var(--gold);text-decoration:none;}
.logo span{color:var(--white);}
nav ul{list-style:none;display:flex;gap:4px;}
nav ul li a{text-decoration:none;color:var(--text-body);font-size:0.82rem;font-weight:500;letter-spacing:0.04em;text-transform:uppercase;padding:8px 13px;border-radius:4px;display:block;transition:color 0.2s,background 0.2s;}
nav ul li a:hover,nav ul li a.active{color:var(--gold);background:rgba(201,168,76,0.06);}
.nav-right{display:flex;align-items:center;gap:12px;}
.nav-phone-link{display:flex;align-items:center;gap:7px;text-decoration:none;background:rgba(201,168,76,0.1);border:1px solid var(--border);padding:8px 16px;border-radius:6px;transition:background 0.2s;}
.nav-phone-link:hover{background:rgba(201,168,76,0.18);}
.nav-phone-link span{font-size:0.88rem;font-weight:700;color:var(--gold);}
.btn-nav{background:var(--gold);color:var(--navy);padding:9px 18px;border-radius:4px;font-size:0.82rem;font-weight:700;text-decoration:none;transition:background 0.2s;}
.btn-nav:hover{background:var(--gold-light);}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px;}
.hamburger span{display:block;width:24px;height:2px;background:var(--white);border-radius:2px;}
.mob-menu{display:none;position:fixed;inset:0;background:rgba(10,22,40,0.99);z-index:9999;flex-direction:column;align-items:center;justify-content:center;gap:4px;padding:60px 32px 40px;}
.mob-menu.is-open{display:flex;}
.mob-menu a{font-size:1.1rem;font-weight:600;color:var(--white);text-decoration:none;padding:13px 0;width:100%;text-align:center;border-bottom:1px solid var(--border);transition:color 0.2s;}
.mob-menu a:hover{color:var(--gold);}
.mob-menu .mob-cta{margin-top:12px;background:var(--gold);color:var(--navy)!important;border-radius:4px;font-weight:700!important;border-bottom:none!important;}
.mob-menu .mob-tel{color:var(--gold)!important;font-weight:700!important;border-bottom:none!important;}
.mob-close{position:absolute;top:18px;right:22px;background:none;border:none;color:var(--white);font-size:1.6rem;cursor:pointer;}
.page-hero{background:var(--navy-mid);border-bottom:1px solid var(--border);padding:64px 60px 52px;position:relative;overflow:hidden;}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 50% 80% at 80% 50%,rgba(201,168,76,0.05) 0%,transparent 70%);}
.page-hero-inner{position:relative;max-width:640px;}
.page-label{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.page-hero h1{font-family:"Playfair Display",serif;font-size:clamp(1.9rem,3.5vw,2.8rem);font-weight:800;line-height:1.15;margin-bottom:14px;}
.page-hero h1 em{font-style:normal;color:var(--gold);}
.page-hero p{font-size:0.95rem;color:var(--text-body);line-height:1.7;max-width:520px;}
.sec-label{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.sec-title{font-family:"Playfair Display",serif;font-size:clamp(1.7rem,3vw,2.4rem);font-weight:700;line-height:1.2;margin-bottom:12px;}
.sec-sub{font-size:0.92rem;color:var(--text-body);line-height:1.7;}
.sec-header{text-align:center;margin-bottom:52px;}
.sec-header .sec-sub{max-width:520px;margin:0 auto;}
.btn-primary{background:var(--gold);color:var(--navy);padding:14px 32px;border-radius:4px;font-size:0.92rem;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:background 0.2s,transform 0.2s;border:none;cursor:pointer;font-family:"DM Sans",sans-serif;}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-1px);}
.btn-outline{background:transparent;border:1px solid var(--border);color:var(--white);padding:14px 32px;border-radius:4px;font-size:0.92rem;font-weight:500;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:border-color 0.2s,background 0.2s;}
.btn-outline:hover{border-color:var(--gold);background:rgba(201,168,76,0.06);}
.card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:36px 30px;transition:transform 0.25s,border-color 0.25s,box-shadow 0.25s;}
.card:hover{transform:translateY(-3px);border-color:var(--gold);box-shadow:0 12px 36px rgba(0,0,0,0.3);}
.card-icon{font-size:1.8rem;margin-bottom:14px;display:block;}
.card h3{font-size:1rem;font-weight:700;margin-bottom:10px;}
.card p{font-size:0.875rem;color:var(--text-body);line-height:1.65;margin-bottom:16px;}
.card-link{font-size:0.78rem;font-weight:700;color:var(--gold);text-decoration:none;text-transform:uppercase;letter-spacing:0.07em;display:inline-flex;align-items:center;gap:5px;transition:gap 0.2s;}
.card-link:hover{gap:9px;}
.tag{font-size:0.68rem;color:var(--gold);background:rgba(201,168,76,0.08);border:1px solid rgba(201,168,76,0.2);padding:3px 9px;border-radius:100px;}
.tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:12px;}
.highlight-box{background:rgba(201,168,76,0.06);border:1px solid var(--border);border-left:3px solid var(--gold);border-radius:4px;padding:16px 20px;font-size:0.85rem;color:var(--text-body);line-height:1.65;}
.warn-box{background:rgba(255,92,92,0.06);border:1px solid rgba(255,92,92,0.25);border-left:3px solid var(--red);border-radius:4px;padding:16px 20px;font-size:0.85rem;color:var(--text-body);line-height:1.65;}
.warn-box strong{color:#FF7070;}
.disc-bar{background:rgba(201,168,76,0.05);border-top:1px solid rgba(201,168,76,0.15);padding:14px 60px;display:flex;align-items:flex-start;gap:12px;}
.disc-bar p{font-size:0.72rem;color:var(--text-muted);line-height:1.6;flex:1;}
.disc-bar strong{color:var(--gold);}
.disc-bar a{color:var(--gold);text-decoration:none;}
footer{background:#060F1E;border-top:1px solid var(--border);padding:44px 60px 28px;}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;margin-bottom:32px;}
.footer-brand p{font-size:0.8rem;color:var(--text-muted);line-height:1.65;margin:10px 0 14px;}
.footer-phone{display:flex;align-items:center;gap:7px;font-size:0.88rem;font-weight:700;color:var(--gold);text-decoration:none;}
.footer-col h5{font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:var(--text-muted);margin-bottom:12px;}
.footer-col a{display:block;font-size:0.8rem;color:var(--text-body);text-decoration:none;margin-bottom:7px;transition:color 0.2s;}
.footer-col a:hover{color:var(--gold);}
.footer-bottom{border-top:1px solid var(--border);padding-top:18px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;}
.footer-copy{font-size:0.73rem;color:var(--text-muted);}
.risk-banner{position:fixed;bottom:0;left:0;right:0;z-index:8888;background:#060F1E;border-top:1px solid rgba(201,168,76,0.3);padding:10px 40px;display:flex;align-items:center;justify-content:space-between;gap:20px;box-shadow:0 -4px 24px rgba(0,0,0,0.4);}
.risk-banner p{font-size:0.7rem;color:#8A9BB5;line-height:1.5;margin:0;flex:1;}
.risk-banner p strong{color:var(--gold);}
.risk-banner p a{color:var(--gold);}
.risk-close{background:none;border:1px solid rgba(201,168,76,0.3);color:#8A9BB5;font-size:0.7rem;padding:5px 12px;border-radius:4px;cursor:pointer;white-space:nowrap;font-family:"DM Sans",sans-serif;flex-shrink:0;}
.risk-close:hover{border-color:var(--gold);color:var(--gold);}
.risk-banner.hidden{display:none;}
body.bv{padding-bottom:54px;}
@media(max-width:900px){
  nav{padding:0 20px;} nav ul{display:none;} .nav-right{display:none;} .hamburger{display:flex;}
  .page-hero{padding:44px 20px 36px;}
  section{padding:52px 20px!important;}
  .footer-top{grid-template-columns:1fr 1fr;gap:24px;}
  footer{padding:32px 20px 20px;}
  .footer-bottom{flex-direction:column;text-align:center;}
  .disc-bar{padding:12px 20px;}
  .risk-banner{padding:10px 16px;flex-wrap:wrap;}
}
@media(max-width:480px){.footer-top{grid-template-columns:1fr;}}

/* from about.html */
.about-two{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center;max-width:1100px;margin:0 auto;}
.stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:0;max-width:1000px;margin:0 auto;}
.stat-box{text-align:center;padding:44px 20px;border-right:1px solid var(--border);}
.stat-box:last-child{border-right:none;}
.stat-box .big{font-family:"Playfair Display",serif;font-size:2.2rem;font-weight:800;color:var(--gold);}
.stat-box p{font-size:0.8rem;color:var(--text-muted);margin-top:6px;line-height:1.5;}
.team-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;max-width:1100px;margin:0 auto;}
.team-card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:28px 22px;text-align:center;transition:transform 0.25s,border-color 0.25s;}
.team-card:hover{transform:translateY(-3px);border-color:var(--gold);}
.t-avatar{width:68px;height:68px;border-radius:50%;background:var(--navy-light);border:2px solid var(--border);display:flex;align-items:center;justify-content:center;font-family:"Playfair Display",serif;font-size:1.3rem;font-weight:700;color:var(--gold);margin:0 auto 14px;}
.team-card h4{font-size:0.95rem;font-weight:700;margin-bottom:4px;}
.team-card .role{font-size:0.72rem;color:var(--gold);text-transform:uppercase;letter-spacing:0.08em;margin-bottom:8px;}
.team-card p{font-size:0.8rem;color:var(--text-body);line-height:1.6;}
.values-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;max-width:1100px;margin:0 auto;}
.val-card{padding:36px 28px;border-right:1px solid var(--border);}
.val-card:last-child{border-right:none;}
.val-icon{font-size:1.6rem;margin-bottom:12px;display:block;}
.val-card h4{font-size:0.95rem;font-weight:700;margin-bottom:8px;}
.val-card p{font-size:0.85rem;color:var(--text-body);line-height:1.65;}
.cert-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.cert-box{background:var(--navy-mid);border:1px solid var(--border);border-radius:8px;padding:22px 18px;text-align:center;}
.cert-box .ci{font-size:1.8rem;margin-bottom:8px;}
.cert-box .ct{font-size:0.8rem;font-weight:700;color:var(--gold-pale);}
.cert-box .cs{font-size:0.72rem;color:var(--text-muted);margin-top:3px;}
@media(max-width:900px){.about-two{grid-template-columns:1fr;gap:40px;}.stats-row{grid-template-columns:1fr 1fr;}.stat-box:nth-child(2){border-right:none;}.team-grid{grid-template-columns:1fr 1fr;}.values-grid{grid-template-columns:1fr 1fr;}.val-card{border-bottom:1px solid var(--border);border-right:none;}.val-card:nth-child(odd){border-right:1px solid var(--border);}.val-card:last-child,.val-card:nth-last-child(2){border-bottom:none;}}
@media(max-width:480px){.team-grid{grid-template-columns:1fr;}.values-grid{grid-template-columns:1fr;}.val-card{border-right:none!important;}}

/* from contact.html */
:root{--navy:#0A1628;--navy-mid:#112240;--navy-light:#1E3A5F;--gold:#C9A84C;--gold-light:#E8C96A;--white:#fff;--text-muted:#8A9BB5;--text-body:#D4DCE8;--border:rgba(201,168,76,0.2);--green:#1DB87A;--red:#FF5C5C;}
*{margin:0;padding:0;box-sizing:border-box;}html{scroll-behavior:smooth;}
body{font-family:"DM Sans",sans-serif;background:var(--navy);color:var(--white);overflow-x:hidden;}
nav{position:sticky;top:0;width:100%;z-index:200;background:rgba(10,22,40,0.97);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);padding:0 60px;display:flex;align-items:center;justify-content:space-between;height:64px;}
.logo{font-family:"Playfair Display",serif;font-size:1.35rem;font-weight:700;color:var(--gold);text-decoration:none;}
.logo span{color:var(--white);}
nav ul{list-style:none;display:flex;gap:4px;}
nav ul li a{text-decoration:none;color:var(--text-body);font-size:0.82rem;font-weight:500;letter-spacing:0.04em;text-transform:uppercase;padding:8px 13px;border-radius:4px;display:block;transition:color 0.2s,background 0.2s;}
nav ul li a:hover,nav ul li a.active{color:var(--gold);background:rgba(201,168,76,0.06);}
.nav-right{display:flex;align-items:center;gap:12px;}
.nav-phone-link{display:flex;align-items:center;gap:7px;text-decoration:none;background:rgba(201,168,76,0.1);border:1px solid var(--border);padding:8px 16px;border-radius:6px;transition:background 0.2s;}
.nav-phone-link:hover{background:rgba(201,168,76,0.18);}
.nav-phone-link span{font-size:0.88rem;font-weight:700;color:var(--gold);}
.btn-nav{background:var(--gold);color:var(--navy);padding:9px 18px;border-radius:4px;font-size:0.82rem;font-weight:700;text-decoration:none;transition:background 0.2s;}
.btn-nav:hover{background:var(--gold-light);}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px;}
.hamburger span{display:block;width:24px;height:2px;background:var(--white);border-radius:2px;}
.mob-menu{display:none;position:fixed;inset:0;background:rgba(10,22,40,0.99);z-index:9999;flex-direction:column;align-items:center;justify-content:center;gap:4px;padding:60px 32px 40px;}
.mob-menu.is-open{display:flex;}
.mob-menu a{font-size:1.1rem;font-weight:600;color:var(--white);text-decoration:none;padding:13px 0;width:100%;text-align:center;border-bottom:1px solid var(--border);transition:color 0.2s;}
.mob-menu a:hover{color:var(--gold);}
.mob-menu .mob-cta{margin-top:12px;background:var(--gold);color:var(--navy)!important;border-radius:4px;font-weight:700!important;border-bottom:none!important;}
.mob-menu .mob-tel{color:var(--gold)!important;font-weight:700!important;border-bottom:none!important;}
.mob-close{position:absolute;top:18px;right:22px;background:none;border:none;color:var(--white);font-size:1.6rem;cursor:pointer;}
.page-hero{background:var(--navy-mid);border-bottom:1px solid var(--border);padding:64px 60px 52px;position:relative;overflow:hidden;}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 50% 80% at 80% 50%,rgba(201,168,76,0.05) 0%,transparent 70%);}
.page-hero-inner{position:relative;max-width:640px;}
.page-label{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.page-hero h1{font-family:"Playfair Display",serif;font-size:clamp(1.9rem,3.5vw,2.8rem);font-weight:800;line-height:1.15;margin-bottom:14px;}
.page-hero h1 em{font-style:normal;color:var(--gold);}
.page-hero p{font-size:0.95rem;color:var(--text-body);line-height:1.7;max-width:520px;}
.sec-label{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.sec-title{font-family:"Playfair Display",serif;font-size:clamp(1.7rem,3vw,2.4rem);font-weight:700;line-height:1.2;margin-bottom:12px;}
.sec-sub{font-size:0.92rem;color:var(--text-body);line-height:1.7;}
.sec-header{text-align:center;margin-bottom:52px;}
.sec-header .sec-sub{max-width:520px;margin:0 auto;}
.btn-primary{background:var(--gold);color:var(--navy);padding:14px 32px;border-radius:4px;font-size:0.92rem;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:background 0.2s,transform 0.2s;border:none;cursor:pointer;font-family:"DM Sans",sans-serif;}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-1px);}
.btn-outline{background:transparent;border:1px solid var(--border);color:var(--white);padding:14px 32px;border-radius:4px;font-size:0.92rem;font-weight:500;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:border-color 0.2s,background 0.2s;}
.btn-outline:hover{border-color:var(--gold);background:rgba(201,168,76,0.06);}
.card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:36px 30px;transition:transform 0.25s,border-color 0.25s,box-shadow 0.25s;}
.card:hover{transform:translateY(-3px);border-color:var(--gold);box-shadow:0 12px 36px rgba(0,0,0,0.3);}
.card-icon{font-size:1.8rem;margin-bottom:14px;display:block;}
.card h3{font-size:1rem;font-weight:700;margin-bottom:10px;}
.card p{font-size:0.875rem;color:var(--text-body);line-height:1.65;margin-bottom:16px;}
.card-link{font-size:0.78rem;font-weight:700;color:var(--gold);text-decoration:none;text-transform:uppercase;letter-spacing:0.07em;display:inline-flex;align-items:center;gap:5px;transition:gap 0.2s;}
.card-link:hover{gap:9px;}
.tag{font-size:0.68rem;color:var(--gold);background:rgba(201,168,76,0.08);border:1px solid rgba(201,168,76,0.2);padding:3px 9px;border-radius:100px;}
.tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:12px;}
.highlight-box{background:rgba(201,168,76,0.06);border:1px solid var(--border);border-left:3px solid var(--gold);border-radius:4px;padding:16px 20px;font-size:0.85rem;color:var(--text-body);line-height:1.65;}
.warn-box{background:rgba(255,92,92,0.06);border:1px solid rgba(255,92,92,0.25);border-left:3px solid var(--red);border-radius:4px;padding:16px 20px;font-size:0.85rem;color:var(--text-body);line-height:1.65;}
.warn-box strong{color:#FF7070;}
.disc-bar{background:rgba(201,168,76,0.05);border-top:1px solid rgba(201,168,76,0.15);padding:14px 60px;display:flex;align-items:flex-start;gap:12px;}
.disc-bar p{font-size:0.72rem;color:var(--text-muted);line-height:1.6;flex:1;}
.disc-bar strong{color:var(--gold);}
.disc-bar a{color:var(--gold);text-decoration:none;}
footer{background:#060F1E;border-top:1px solid var(--border);padding:44px 60px 28px;}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;margin-bottom:32px;}
.footer-brand p{font-size:0.8rem;color:var(--text-muted);line-height:1.65;margin:10px 0 14px;}
.footer-phone{display:flex;align-items:center;gap:7px;font-size:0.88rem;font-weight:700;color:var(--gold);text-decoration:none;}
.footer-col h5{font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:var(--text-muted);margin-bottom:12px;}
.footer-col a{display:block;font-size:0.8rem;color:var(--text-body);text-decoration:none;margin-bottom:7px;transition:color 0.2s;}
.footer-col a:hover{color:var(--gold);}
.footer-bottom{border-top:1px solid var(--border);padding-top:18px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;}
.footer-copy{font-size:0.73rem;color:var(--text-muted);}
.risk-banner{position:fixed;bottom:0;left:0;right:0;z-index:8888;background:#060F1E;border-top:1px solid rgba(201,168,76,0.3);padding:10px 40px;display:flex;align-items:center;justify-content:space-between;gap:20px;box-shadow:0 -4px 24px rgba(0,0,0,0.4);}
.risk-banner p{font-size:0.7rem;color:#8A9BB5;line-height:1.5;margin:0;flex:1;}
.risk-banner p strong{color:var(--gold);}
.risk-banner p a{color:var(--gold);}
.risk-close{background:none;border:1px solid rgba(201,168,76,0.3);color:#8A9BB5;font-size:0.7rem;padding:5px 12px;border-radius:4px;cursor:pointer;white-space:nowrap;font-family:"DM Sans",sans-serif;flex-shrink:0;}
.risk-close:hover{border-color:var(--gold);color:var(--gold);}
.risk-banner.hidden{display:none;}
body.bv{padding-bottom:54px;}
@media(max-width:900px){
  nav{padding:0 20px;} nav ul{display:none;} .nav-right{display:none;} .hamburger{display:flex;}
  .page-hero{padding:44px 20px 36px;}
  section{padding:52px 20px!important;}
  .footer-top{grid-template-columns:1fr 1fr;gap:24px;}
  footer{padding:32px 20px 20px;}
  .footer-bottom{flex-direction:column;text-align:center;}
  .disc-bar{padding:12px 20px;}
  .risk-banner{padding:10px 16px;flex-wrap:wrap;}
}
@media(max-width:480px){.footer-top{grid-template-columns:1fr;}}

/* from contact.html */
.contact-layout{display:grid;grid-template-columns:1fr 1.3fr;gap:64px;max-width:1100px;margin:0 auto;align-items:start;}
.cd{display:flex;gap:14px;align-items:flex-start;margin-bottom:26px;}
.cd-icon{width:44px;height:44px;flex-shrink:0;background:rgba(201,168,76,0.1);border:1px solid var(--border);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:1rem;}
.cd-lbl{font-size:0.7rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:0.08em;font-weight:600;margin-bottom:3px;}
.cd-val{font-size:0.92rem;color:var(--white);font-weight:600;}
.cd-sub{font-size:0.78rem;color:var(--text-muted);margin-top:2px;}
.emerg-box{background:rgba(255,92,92,0.06);border:1px solid rgba(255,92,92,0.22);border-radius:8px;padding:22px 24px;margin-top:32px;}
.emerg-box h4{font-size:0.92rem;font-weight:700;color:#FF7070;margin-bottom:7px;}
.emerg-box p{font-size:0.82rem;color:var(--text-body);line-height:1.65;}
.emerg-box a{color:#FF9090;font-weight:700;text-decoration:none;}
.form-box{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:44px;}
.form-title{font-family:"Playfair Display",serif;font-size:1.4rem;font-weight:700;margin-bottom:6px;}
.form-sub{font-size:0.8rem;color:var(--text-muted);margin-bottom:26px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.fg{margin-bottom:15px;}
.fg label{display:block;font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.07em;color:var(--text-muted);margin-bottom:7px;}
.fg input,.fg select,.fg textarea{width:100%;background:var(--navy);border:1px solid rgba(255,255,255,0.1);color:var(--white);padding:12px 14px;border-radius:4px;font-family:"DM Sans",sans-serif;font-size:0.88rem;outline:none;transition:border-color 0.2s;}
.fg input:focus,.fg select:focus,.fg textarea:focus{border-color:var(--gold);}
.fg select option{background:var(--navy-mid);}
.fg textarea{resize:vertical;min-height:100px;}
.form-btn{width:100%;background:var(--gold);color:var(--navy);border:none;padding:15px;border-radius:4px;font-size:0.95rem;font-weight:700;font-family:"DM Sans",sans-serif;cursor:pointer;margin-top:6px;transition:background 0.2s,transform 0.2s;}
.form-btn:hover{background:var(--gold-light);transform:translateY(-1px);}
.form-note{font-size:0.7rem;color:var(--text-muted);text-align:center;margin-top:12px;line-height:1.5;}
@media(max-width:900px){.contact-layout{grid-template-columns:1fr;gap:40px;}.form-box{padding:28px 20px;}.form-row{grid-template-columns:1fr;}}

/* from faq.html */
:root{--navy:#0A1628;--navy-mid:#112240;--navy-light:#1E3A5F;--gold:#C9A84C;--gold-light:#E8C96A;--white:#fff;--text-muted:#8A9BB5;--text-body:#D4DCE8;--border:rgba(201,168,76,0.2);--green:#1DB87A;--red:#FF5C5C;}
*{margin:0;padding:0;box-sizing:border-box;}html{scroll-behavior:smooth;}
body{font-family:"DM Sans",sans-serif;background:var(--navy);color:var(--white);overflow-x:hidden;}
nav{position:sticky;top:0;width:100%;z-index:200;background:rgba(10,22,40,0.97);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);padding:0 60px;display:flex;align-items:center;justify-content:space-between;height:64px;}
.logo{font-family:"Playfair Display",serif;font-size:1.35rem;font-weight:700;color:var(--gold);text-decoration:none;}
.logo span{color:var(--white);}
nav ul{list-style:none;display:flex;gap:4px;}
nav ul li a{text-decoration:none;color:var(--text-body);font-size:0.82rem;font-weight:500;letter-spacing:0.04em;text-transform:uppercase;padding:8px 13px;border-radius:4px;display:block;transition:color 0.2s,background 0.2s;}
nav ul li a:hover,nav ul li a.active{color:var(--gold);background:rgba(201,168,76,0.06);}
.nav-right{display:flex;align-items:center;gap:12px;}
.nav-phone-link{display:flex;align-items:center;gap:7px;text-decoration:none;background:rgba(201,168,76,0.1);border:1px solid var(--border);padding:8px 16px;border-radius:6px;transition:background 0.2s;}
.nav-phone-link:hover{background:rgba(201,168,76,0.18);}
.nav-phone-link span{font-size:0.88rem;font-weight:700;color:var(--gold);}
.btn-nav{background:var(--gold);color:var(--navy);padding:9px 18px;border-radius:4px;font-size:0.82rem;font-weight:700;text-decoration:none;transition:background 0.2s;}
.btn-nav:hover{background:var(--gold-light);}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px;}
.hamburger span{display:block;width:24px;height:2px;background:var(--white);border-radius:2px;}
.mob-menu{display:none;position:fixed;inset:0;background:rgba(10,22,40,0.99);z-index:9999;flex-direction:column;align-items:center;justify-content:center;gap:4px;padding:60px 32px 40px;}
.mob-menu.is-open{display:flex;}
.mob-menu a{font-size:1.1rem;font-weight:600;color:var(--white);text-decoration:none;padding:13px 0;width:100%;text-align:center;border-bottom:1px solid var(--border);transition:color 0.2s;}
.mob-menu a:hover{color:var(--gold);}
.mob-menu .mob-cta{margin-top:12px;background:var(--gold);color:var(--navy)!important;border-radius:4px;font-weight:700!important;border-bottom:none!important;}
.mob-menu .mob-tel{color:var(--gold)!important;font-weight:700!important;border-bottom:none!important;}
.mob-close{position:absolute;top:18px;right:22px;background:none;border:none;color:var(--white);font-size:1.6rem;cursor:pointer;}
.page-hero{background:var(--navy-mid);border-bottom:1px solid var(--border);padding:64px 60px 52px;position:relative;overflow:hidden;}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 50% 80% at 80% 50%,rgba(201,168,76,0.05) 0%,transparent 70%);}
.page-hero-inner{position:relative;max-width:640px;}
.page-label{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.page-hero h1{font-family:"Playfair Display",serif;font-size:clamp(1.9rem,3.5vw,2.8rem);font-weight:800;line-height:1.15;margin-bottom:14px;}
.page-hero h1 em{font-style:normal;color:var(--gold);}
.page-hero p{font-size:0.95rem;color:var(--text-body);line-height:1.7;max-width:520px;}
.sec-label{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.sec-title{font-family:"Playfair Display",serif;font-size:clamp(1.7rem,3vw,2.4rem);font-weight:700;line-height:1.2;margin-bottom:12px;}
.sec-sub{font-size:0.92rem;color:var(--text-body);line-height:1.7;}
.sec-header{text-align:center;margin-bottom:52px;}
.sec-header .sec-sub{max-width:520px;margin:0 auto;}
.btn-primary{background:var(--gold);color:var(--navy);padding:14px 32px;border-radius:4px;font-size:0.92rem;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:background 0.2s,transform 0.2s;border:none;cursor:pointer;font-family:"DM Sans",sans-serif;}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-1px);}
.btn-outline{background:transparent;border:1px solid var(--border);color:var(--white);padding:14px 32px;border-radius:4px;font-size:0.92rem;font-weight:500;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:border-color 0.2s,background 0.2s;}
.btn-outline:hover{border-color:var(--gold);background:rgba(201,168,76,0.06);}
.card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:36px 30px;transition:transform 0.25s,border-color 0.25s,box-shadow 0.25s;}
.card:hover{transform:translateY(-3px);border-color:var(--gold);box-shadow:0 12px 36px rgba(0,0,0,0.3);}
.card-icon{font-size:1.8rem;margin-bottom:14px;display:block;}
.card h3{font-size:1rem;font-weight:700;margin-bottom:10px;}
.card p{font-size:0.875rem;color:var(--text-body);line-height:1.65;margin-bottom:16px;}
.card-link{font-size:0.78rem;font-weight:700;color:var(--gold);text-decoration:none;text-transform:uppercase;letter-spacing:0.07em;display:inline-flex;align-items:center;gap:5px;transition:gap 0.2s;}
.card-link:hover{gap:9px;}
.tag{font-size:0.68rem;color:var(--gold);background:rgba(201,168,76,0.08);border:1px solid rgba(201,168,76,0.2);padding:3px 9px;border-radius:100px;}
.tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:12px;}
.highlight-box{background:rgba(201,168,76,0.06);border:1px solid var(--border);border-left:3px solid var(--gold);border-radius:4px;padding:16px 20px;font-size:0.85rem;color:var(--text-body);line-height:1.65;}
.warn-box{background:rgba(255,92,92,0.06);border:1px solid rgba(255,92,92,0.25);border-left:3px solid var(--red);border-radius:4px;padding:16px 20px;font-size:0.85rem;color:var(--text-body);line-height:1.65;}
.warn-box strong{color:#FF7070;}
.disc-bar{background:rgba(201,168,76,0.05);border-top:1px solid rgba(201,168,76,0.15);padding:14px 60px;display:flex;align-items:flex-start;gap:12px;}
.disc-bar p{font-size:0.72rem;color:var(--text-muted);line-height:1.6;flex:1;}
.disc-bar strong{color:var(--gold);}
.disc-bar a{color:var(--gold);text-decoration:none;}
footer{background:#060F1E;border-top:1px solid var(--border);padding:44px 60px 28px;}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;margin-bottom:32px;}
.footer-brand p{font-size:0.8rem;color:var(--text-muted);line-height:1.65;margin:10px 0 14px;}
.footer-phone{display:flex;align-items:center;gap:7px;font-size:0.88rem;font-weight:700;color:var(--gold);text-decoration:none;}
.footer-col h5{font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:var(--text-muted);margin-bottom:12px;}
.footer-col a{display:block;font-size:0.8rem;color:var(--text-body);text-decoration:none;margin-bottom:7px;transition:color 0.2s;}
.footer-col a:hover{color:var(--gold);}
.footer-bottom{border-top:1px solid var(--border);padding-top:18px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;}
.footer-copy{font-size:0.73rem;color:var(--text-muted);}
.risk-banner{position:fixed;bottom:0;left:0;right:0;z-index:8888;background:#060F1E;border-top:1px solid rgba(201,168,76,0.3);padding:10px 40px;display:flex;align-items:center;justify-content:space-between;gap:20px;box-shadow:0 -4px 24px rgba(0,0,0,0.4);}
.risk-banner p{font-size:0.7rem;color:#8A9BB5;line-height:1.5;margin:0;flex:1;}
.risk-banner p strong{color:var(--gold);}
.risk-banner p a{color:var(--gold);}
.risk-close{background:none;border:1px solid rgba(201,168,76,0.3);color:#8A9BB5;font-size:0.7rem;padding:5px 12px;border-radius:4px;cursor:pointer;white-space:nowrap;font-family:"DM Sans",sans-serif;flex-shrink:0;}
.risk-close:hover{border-color:var(--gold);color:var(--gold);}
.risk-banner.hidden{display:none;}
body.bv{padding-bottom:54px;}
@media(max-width:900px){
  nav{padding:0 20px;} nav ul{display:none;} .nav-right{display:none;} .hamburger{display:flex;}
  .page-hero{padding:44px 20px 36px;}
  section{padding:52px 20px!important;}
  .footer-top{grid-template-columns:1fr 1fr;gap:24px;}
  footer{padding:32px 20px 20px;}
  .footer-bottom{flex-direction:column;text-align:center;}
  .disc-bar{padding:12px 20px;}
  .risk-banner{padding:10px 16px;flex-wrap:wrap;}
}
@media(max-width:480px){.footer-top{grid-template-columns:1fr;}}

/* from faq.html */
.faq-wrap{max-width:820px;margin:0 auto;}
.faq-group{margin-bottom:48px;}
.faq-group-title{font-family:"Playfair Display",serif;font-size:1.15rem;font-weight:700;color:var(--gold);margin-bottom:18px;padding-bottom:10px;border-bottom:1px solid var(--border);}
.faq-item{border-bottom:1px solid var(--border);}
.faq-q{width:100%;background:none;border:none;text-align:left;padding:18px 0;display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-family:"DM Sans",sans-serif;font-size:0.92rem;font-weight:600;color:var(--white);gap:16px;transition:color 0.2s;}
.faq-q:hover{color:var(--gold);}
.faq-ic{font-size:1.1rem;color:var(--gold);flex-shrink:0;transition:transform 0.3s;}
.faq-a{max-height:0;overflow:hidden;transition:max-height 0.4s ease;}
.faq-a p{font-size:0.875rem;color:var(--text-body);line-height:1.75;padding-bottom:18px;}
.faq-item.open .faq-a{max-height:300px;}
.faq-item.open .faq-ic{transform:rotate(45deg);}
.still-box{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:40px;text-align:center;margin-top:40px;}
.still-box h3{font-family:"Playfair Display",serif;font-size:1.3rem;margin-bottom:8px;}
.still-box p{font-size:0.875rem;color:var(--text-body);margin-bottom:22px;}

/* from index.html */
:root {
  --navy:#0A1628; --navy-mid:#112240; --navy-light:#1E3A5F;
  --gold:#C9A84C; --gold-light:#E8C96A; --gold-pale:#F5E6C0;
  --white:#fff; --text-muted:#8A9BB5; --text-body:#D4DCE8;
  --border:rgba(201,168,76,0.2); --green:#1DB87A; --red:#FF5C5C;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{font-family:'DM Sans',sans-serif;background:var(--navy);color:var(--white);overflow-x:hidden;}

/* NAV */
nav{position:sticky;top:0;width:100%;z-index:200;background:rgba(10,22,40,0.97);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);padding:0 60px;display:flex;align-items:center;justify-content:space-between;height:64px;}
.logo{font-family:'Playfair Display',serif;font-size:1.4rem;font-weight:700;color:var(--gold);text-decoration:none;display:flex;align-items:center;gap:8px;}
.logo-icon{font-size:1.2rem;}
nav ul{list-style:none;display:flex;gap:8px;}
nav ul li{position:relative;}
nav ul li a{text-decoration:none;color:var(--text-body);font-size:0.82rem;font-weight:500;letter-spacing:0.04em;text-transform:uppercase;padding:8px 14px;border-radius:4px;display:block;transition:color 0.2s,background 0.2s;}
nav ul li a:hover{color:var(--gold);background:rgba(201,168,76,0.06);}
.nav-phone-link{display:flex;align-items:center;gap:8px;text-decoration:none;background:rgba(201,168,76,0.1);border:1px solid var(--border);padding:8px 18px;border-radius:6px;transition:background 0.2s;}
.nav-phone-link:hover{background:rgba(201,168,76,0.18);}
.nav-phone-link span{font-size:0.9rem;font-weight:700;color:var(--gold);}
.nav-right{display:flex;align-items:center;gap:14px;}
.btn-nav{background:var(--gold);color:var(--navy);padding:9px 20px;border-radius:4px;font-size:0.82rem;font-weight:700;text-decoration:none;transition:background 0.2s;}
.btn-nav:hover{background:var(--gold-light);}

/* HAMBURGER */
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px;}
.hamburger span{display:block;width:24px;height:2px;background:var(--white);border-radius:2px;transition:all 0.3s;}
.mob-menu{display:none;position:fixed;inset:0;background:rgba(10,22,40,0.99);z-index:9999;flex-direction:column;align-items:center;justify-content:center;gap:4px;padding:60px 32px 40px;}
.mob-menu.is-open{display:flex;}
.mob-menu a{font-size:1.1rem;font-weight:600;color:var(--white);text-decoration:none;padding:13px 0;width:100%;text-align:center;border-bottom:1px solid var(--border);transition:color 0.2s;}
.mob-menu a:hover{color:var(--gold);}
.mob-menu .mob-cta{margin-top:12px;background:var(--gold);color:var(--navy)!important;border-radius:4px;font-weight:700!important;border-bottom:none!important;}
.mob-menu .mob-tel{color:var(--gold)!important;font-weight:700!important;border-bottom:none!important;}
.mob-close{position:absolute;top:18px;right:22px;background:none;border:none;color:var(--white);font-size:1.6rem;cursor:pointer;}

/* TICKER */
.ticker-wrap{background:#0D1B30;border-bottom:1px solid var(--border);padding:9px 0;position:relative;overflow:hidden;}
.ticker-outer{overflow:hidden;width:100%;}
.ticker-track{display:flex;align-items:center;width:max-content;animation:tickerScroll 40s linear infinite;}
.ticker-outer:hover .ticker-track{animation-play-state:paused;}
@keyframes tickerScroll{0%{transform:translateX(0);}100%{transform:translateX(-50%);}}
.ticker-item{display:inline-flex;align-items:center;gap:8px;padding:0 28px;border-right:1px solid var(--border);white-space:nowrap;flex-shrink:0;}
.t-name{font-size:0.8rem;font-weight:600;color:var(--white);}
.t-sym{font-size:0.7rem;color:var(--text-muted);}
.t-price{font-size:0.82rem;font-weight:700;color:var(--white);}
.t-chg{font-size:0.72rem;font-weight:600;padding:2px 7px;border-radius:100px;}
.t-chg.up{color:var(--green);background:rgba(29,184,122,0.12);}
.t-chg.dn{color:var(--red);background:rgba(255,92,92,0.12);}
.ticker-live-badge{position:absolute;right:14px;top:50%;transform:translateY(-50%);background:#0D1B30;display:flex;align-items:center;gap:5px;font-size:0.65rem;color:var(--text-muted);padding:2px 8px;border-radius:4px;z-index:2;}
.live-dot{width:6px;height:6px;border-radius:50%;background:var(--green);animation:pulse 2s infinite;}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1);}50%{opacity:0.5;transform:scale(1.4);}}

/* HERO */
.hero{padding:80px 60px 80px;min-height:calc(100vh - 100px);display:flex;align-items:center;position:relative;overflow:hidden;}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 70% 60% at 60% 50%,rgba(30,58,95,0.5) 0%,transparent 70%),radial-gradient(ellipse 40% 40% at 85% 20%,rgba(201,168,76,0.07) 0%,transparent 60%);}
.hero-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(201,168,76,0.04) 1px,transparent 1px),linear-gradient(90deg,rgba(201,168,76,0.04) 1px,transparent 1px);background-size:60px 60px;mask-image:radial-gradient(ellipse 80% 80% at 50% 50%,black 30%,transparent 100%);}
.hero-content{position:relative;max-width:680px;}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(201,168,76,0.1);border:1px solid var(--border);padding:6px 16px;border-radius:100px;font-size:0.72rem;font-weight:700;color:var(--gold);text-transform:uppercase;letter-spacing:0.1em;margin-bottom:24px;}
.hero-eyebrow::before{content:'';width:6px;height:6px;background:var(--green);border-radius:50%;animation:pulse 2s infinite;}
h1{font-family:'Playfair Display',serif;font-size:clamp(2.4rem,4.5vw,3.8rem);font-weight:800;line-height:1.12;margin-bottom:20px;}
h1 em{font-style:normal;color:var(--gold);}
.hero-sub{font-size:1.05rem;line-height:1.75;color:var(--text-body);max-width:540px;margin-bottom:36px;}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:48px;}
.btn-primary{background:var(--gold);color:var(--navy);padding:15px 34px;border-radius:4px;font-size:0.95rem;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:background 0.2s,transform 0.2s;border:none;cursor:pointer;font-family:'DM Sans',sans-serif;}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-1px);}
.btn-outline{background:transparent;border:1px solid rgba(255,255,255,0.2);color:var(--white);padding:15px 34px;border-radius:4px;font-size:0.95rem;font-weight:500;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:border-color 0.2s,background 0.2s;}
.btn-outline:hover{border-color:var(--gold);background:rgba(201,168,76,0.06);}
.hero-stats{display:flex;gap:48px;padding-top:36px;border-top:1px solid var(--border);}
.stat-num{font-family:'Playfair Display',serif;font-size:2rem;font-weight:800;color:var(--gold);}
.stat-lbl{font-size:0.72rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:0.08em;margin-top:2px;}

/* CONFIDENTIAL STRIP */
.conf-strip{background:rgba(29,184,122,0.07);border-top:1px solid rgba(29,184,122,0.2);border-bottom:1px solid rgba(29,184,122,0.2);padding:14px 60px;display:flex;align-items:center;gap:12px;font-size:0.82rem;color:var(--text-body);}
.conf-strip strong{color:var(--white);}

/* SECTION SHARED */
section{padding:90px 60px;}
.sec-label{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.sec-title{font-family:'Playfair Display',serif;font-size:clamp(1.8rem,3vw,2.6rem);font-weight:700;line-height:1.18;margin-bottom:14px;}
.sec-sub{font-size:0.95rem;color:var(--text-body);line-height:1.7;max-width:520px;}
.sec-header{text-align:center;margin-bottom:60px;}
.sec-header .sec-sub{margin:0 auto;}

/* SERVICES */
.services-bg{background:var(--navy);}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;max-width:1200px;margin:0 auto;border:1px solid var(--border);}
.svc-card{background:var(--navy-mid);padding:44px 36px;position:relative;overflow:hidden;transition:background 0.3s;}
.svc-card:hover{background:var(--navy-light);}
.svc-card::after{content:'';position:absolute;bottom:0;left:0;width:0;height:2px;background:var(--gold);transition:width 0.4s;}
.svc-card:hover::after{width:100%;}
.svc-num{font-family:'Playfair Display',serif;font-size:2.5rem;font-weight:800;color:rgba(201,168,76,0.15);margin-bottom:12px;line-height:1;}
.svc-icon{font-size:1.8rem;margin-bottom:16px;display:block;}
.svc-card h3{font-family:'Playfair Display',serif;font-size:1.2rem;font-weight:700;margin-bottom:10px;}
.svc-card p{font-size:0.875rem;color:var(--text-body);line-height:1.65;margin-bottom:16px;}
.svc-tags{display:flex;flex-wrap:wrap;gap:6px;}
.svc-tag{font-size:0.68rem;color:var(--gold);background:rgba(201,168,76,0.08);border:1px solid rgba(201,168,76,0.2);padding:3px 9px;border-radius:100px;}

/* HOW IT WORKS */
.how-bg{background:var(--navy-mid);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;max-width:1100px;margin:0 auto;position:relative;}
.steps-grid::before{content:'';position:absolute;top:35px;left:12.5%;right:12.5%;height:1px;background:linear-gradient(90deg,transparent,var(--gold),var(--gold),transparent);opacity:0.25;}
.step{text-align:center;padding:0 28px;position:relative;z-index:1;}
.step-num{width:70px;height:70px;border-radius:50%;background:var(--navy);border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;margin:0 auto 22px;font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:800;color:var(--gold);box-shadow:0 0 24px rgba(201,168,76,0.12);transition:box-shadow 0.3s,background 0.3s;}
.step:hover .step-num{box-shadow:0 0 40px rgba(201,168,76,0.3);background:rgba(201,168,76,0.08);}
.step h4{font-size:1rem;font-weight:700;margin-bottom:10px;}
.step p{font-size:0.85rem;color:var(--text-body);line-height:1.65;}

/* EMERGENCY */
.emergency-bg{background:var(--navy);}
.emergency-banner{background:linear-gradient(135deg,rgba(255,92,92,0.08),rgba(201,168,76,0.06));border:1px solid rgba(255,92,92,0.2);border-radius:12px;padding:40px 48px;max-width:900px;margin:0 auto 56px;text-align:center;}
.emergency-banner h2{font-family:'Playfair Display',serif;font-size:2rem;font-weight:700;margin-bottom:10px;}
.emergency-banner p{color:var(--text-body);font-size:0.95rem;margin-bottom:24px;}
.emergency-meta{font-size:0.82rem;color:var(--text-muted);margin-top:14px;}
.emergency-meta strong{color:var(--white);}
.problems-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px;max-width:1100px;margin:0 auto;}
.prob-card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:32px 28px;transition:transform 0.25s,border-color 0.25s,box-shadow 0.25s;}
.prob-card:hover{transform:translateY(-3px);border-color:var(--gold);box-shadow:0 12px 36px rgba(0,0,0,0.3);}
.prob-card::before{content:'';position:absolute;} /* placeholder */
.prob-icon{font-size:1.8rem;margin-bottom:14px;display:block;}
.prob-card h4{font-size:0.95rem;font-weight:700;margin-bottom:8px;}
.prob-card p{font-size:0.85rem;color:var(--text-body);line-height:1.65;}

/* STATS */
.stats-bg{background:var(--navy-mid);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;max-width:1000px;margin:0 auto;}
.stat-box{text-align:center;padding:48px 20px;border-right:1px solid var(--border);}
.stat-box:last-child{border-right:none;}
.stat-box .big{font-family:'Playfair Display',serif;font-size:2.4rem;font-weight:800;color:var(--gold);}
.stat-box p{font-size:0.82rem;color:var(--text-muted);margin-top:6px;line-height:1.5;}

/* TESTIMONIALS */
.testi-bg{background:var(--navy);}
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;max-width:1100px;margin:0 auto;}
.testi-card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:36px 32px;position:relative;}
.testi-card::before{content:'"';position:absolute;top:16px;right:24px;font-family:'Playfair Display',serif;font-size:5rem;line-height:1;color:rgba(201,168,76,0.1);}
.stars{color:var(--gold);font-size:0.85rem;margin-bottom:14px;letter-spacing:2px;}
.testi-card p{font-size:0.88rem;color:var(--text-body);line-height:1.72;margin-bottom:22px;}
.testi-author{display:flex;align-items:center;gap:12px;}
.t-avatar{width:46px;height:46px;border-radius:50%;background:var(--navy-light);border:2px solid var(--border);display:flex;align-items:center;justify-content:center;font-size:0.85rem;font-weight:700;color:var(--gold);overflow:hidden;flex-shrink:0;}
.t-avatar img{width:100%;height:100%;object-fit:cover;object-position:top;}
.t-name{font-size:0.875rem;font-weight:600;}
.t-loc{font-size:0.75rem;color:var(--text-muted);}

/* CONTACT */
.contact-bg{background:var(--navy-mid);border-top:1px solid var(--border);}
.contact-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:24px;max-width:1000px;margin:0 auto 56px;}
.contact-box{background:var(--navy);border:1px solid var(--border);border-radius:10px;padding:36px 28px;text-align:center;transition:border-color 0.25s,transform 0.25s;}
.contact-box:hover{border-color:var(--gold);transform:translateY(-3px);}
.contact-box .cb-icon{font-size:2rem;margin-bottom:14px;display:block;}
.contact-box h4{font-size:0.72rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:var(--text-muted);margin-bottom:8px;}
.contact-box .cb-main{font-size:1.1rem;font-weight:700;color:var(--gold);text-decoration:none;display:block;margin-bottom:6px;}
.contact-box .cb-sub{font-size:0.78rem;color:var(--text-muted);line-height:1.5;}
.contact-box .cb-badge{display:inline-flex;align-items:center;gap:5px;font-size:0.68rem;color:var(--green);background:rgba(29,184,122,0.1);border:1px solid rgba(29,184,122,0.2);padding:3px 10px;border-radius:100px;margin-top:8px;}
.contact-form-box{background:var(--navy);border:1px solid var(--border);border-radius:10px;padding:44px;max-width:700px;margin:0 auto;}
.form-title{font-family:'Playfair Display',serif;font-size:1.4rem;font-weight:700;margin-bottom:6px;}
.form-sub{font-size:0.82rem;color:var(--text-muted);margin-bottom:28px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.fg{margin-bottom:16px;}
.fg label{display:block;font-size:0.72rem;font-weight:700;text-transform:uppercase;letter-spacing:0.07em;color:var(--text-muted);margin-bottom:7px;}
.fg input,.fg select,.fg textarea{width:100%;background:var(--navy-mid);border:1px solid rgba(255,255,255,0.1);color:var(--white);padding:12px 15px;border-radius:4px;font-family:'DM Sans',sans-serif;font-size:0.88rem;outline:none;transition:border-color 0.2s;}
.fg input:focus,.fg select:focus,.fg textarea:focus{border-color:var(--gold);}
.fg select option{background:var(--navy-mid);}
.fg textarea{resize:vertical;min-height:100px;}
.form-btn{width:100%;background:var(--gold);color:var(--navy);border:none;padding:15px;border-radius:4px;font-size:0.95rem;font-weight:700;font-family:'DM Sans',sans-serif;cursor:pointer;margin-top:6px;transition:background 0.2s,transform 0.2s;}
.form-btn:hover{background:var(--gold-light);transform:translateY(-1px);}
.form-note{font-size:0.72rem;color:var(--text-muted);text-align:center;margin-top:12px;line-height:1.5;}

/* PARTNERS */
.partners-section{background:var(--navy-mid);border-top:1px solid var(--border);border-bottom:1px solid var(--border);padding:32px 0;}
.partners-label{text-align:center;font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--text-muted);margin-bottom:24px;}
.partners-outer{overflow:hidden;position:relative;}
.partners-outer::before,.partners-outer::after{content:'';position:absolute;top:0;bottom:0;width:80px;z-index:2;pointer-events:none;}
.partners-outer::before{left:0;background:linear-gradient(to right,var(--navy-mid),transparent);}
.partners-outer::after{right:0;background:linear-gradient(to left,var(--navy-mid),transparent);}
.partners-track{display:flex;align-items:center;width:max-content;animation:partnerScroll 30s linear infinite;}
.partners-track:hover{animation-play-state:paused;}
@keyframes partnerScroll{0%{transform:translateX(0);}100%{transform:translateX(-50%);}}
.partner-item{display:flex;align-items:center;gap:10px;padding:0 44px;border-right:1px solid var(--border);opacity:0.55;transition:opacity 0.2s;white-space:nowrap;}
.partner-item:hover{opacity:1;}
.partner-item svg{height:26px;width:auto;flex-shrink:0;}
.partner-item span{font-size:0.95rem;font-weight:700;color:var(--white);}

/* DISCLOSURE */
.disclosure-bar{background:rgba(201,168,76,0.05);border-top:1px solid rgba(201,168,76,0.15);border-bottom:1px solid rgba(201,168,76,0.15);padding:14px 60px;display:flex;align-items:flex-start;gap:12px;}
.disclosure-bar p{font-size:0.72rem;color:var(--text-muted);line-height:1.6;flex:1;}
.disclosure-bar strong{color:var(--gold);}
.disclosure-bar a{color:var(--gold);text-decoration:none;}

/* FOOTER */
footer{background:#060F1E;border-top:1px solid var(--border);padding:48px 60px 32px;}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:36px;}
.footer-brand p{font-size:0.82rem;color:var(--text-muted);line-height:1.65;margin:12px 0 16px;}
.footer-phone{display:flex;align-items:center;gap:8px;font-size:0.9rem;font-weight:700;color:var(--gold);text-decoration:none;}
.footer-col h5{font-size:0.72rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:var(--text-muted);margin-bottom:14px;}
.footer-col a{display:block;font-size:0.82rem;color:var(--text-body);text-decoration:none;margin-bottom:8px;transition:color 0.2s;}
.footer-col a:hover{color:var(--gold);}
.footer-bottom{border-top:1px solid var(--border);padding-top:20px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;}
.footer-copy{font-size:0.75rem;color:var(--text-muted);}
.footer-disc{font-size:0.72rem;color:var(--text-muted);max-width:600px;line-height:1.5;}

/* RISK BANNER */
.risk-banner{position:fixed;bottom:0;left:0;right:0;z-index:8888;background:#060F1E;border-top:1px solid rgba(201,168,76,0.3);padding:10px 40px;display:flex;align-items:center;justify-content:space-between;gap:20px;box-shadow:0 -4px 24px rgba(0,0,0,0.4);}
.risk-banner p{font-size:0.7rem;color:#8A9BB5;line-height:1.5;margin:0;flex:1;}
.risk-banner p strong{color:var(--gold);}
.risk-banner p a{color:var(--gold);}
.risk-banner-close{background:none;border:1px solid rgba(201,168,76,0.3);color:#8A9BB5;font-size:0.7rem;padding:5px 12px;border-radius:4px;cursor:pointer;white-space:nowrap;transition:border-color 0.2s,color 0.2s;font-family:'DM Sans',sans-serif;flex-shrink:0;}
.risk-banner-close:hover{border-color:var(--gold);color:var(--gold);}
.risk-banner.hidden{display:none;}
body.banner-visible{padding-bottom:56px;}

/* RESPONSIVE */
.hamburger{display:none;}
@media(max-width:900px){
  nav{padding:0 20px;}
  nav ul{display:none;}
  .nav-right{display:none;}
  .hamburger{display:flex;}
  .hero{padding:40px 20px 56px;min-height:auto;}
  .hero-stats{gap:24px;flex-wrap:wrap;}
  .conf-strip{padding:12px 20px;}
  section{padding:56px 20px;}
  .svc-grid{grid-template-columns:1fr;}
  .steps-grid{grid-template-columns:1fr 1fr;gap:36px;}
  .steps-grid::before{display:none;}
  .problems-grid{grid-template-columns:1fr;}
  .stats-grid{grid-template-columns:1fr 1fr;}
  .stat-box:nth-child(2){border-right:none;}
  .testi-grid{grid-template-columns:1fr;}
  .contact-grid{grid-template-columns:1fr;}
  .contact-form-box{padding:28px 20px;}
  .form-row{grid-template-columns:1fr;}
  .footer-top{grid-template-columns:1fr 1fr;gap:28px;}
  footer{padding:36px 20px 24px;}
  .footer-bottom{flex-direction:column;text-align:center;}
  .risk-banner{padding:10px 16px;flex-wrap:wrap;}
  .disclosure-bar{padding:12px 20px;}
}
@media(max-width:480px){
  h1{font-size:1.9rem!important;}
  .steps-grid{grid-template-columns:1fr;}
  .stats-grid{grid-template-columns:1fr 1fr;}
  .footer-top{grid-template-columns:1fr;}
  .hero-btns{flex-direction:column;}
  .hero-btns a{text-align:center;justify-content:center;}
}

/* from invest.html */
:root{--navy:#0A1628;--navy-mid:#112240;--navy-light:#1E3A5F;--gold:#C9A84C;--gold-light:#E8C96A;--white:#fff;--muted:#8A9BB5;--body:#D4DCE8;--border:rgba(201,168,76,0.2);--green:#1DB87A;--red:#FF5C5C;}
*{margin:0;padding:0;box-sizing:border-box;}html{scroll-behavior:smooth;}
body{font-family:"DM Sans",sans-serif;background:var(--navy);color:var(--white);overflow-x:hidden;}
/* NAV */
nav{position:sticky;top:0;width:100%;z-index:200;background:rgba(10,22,40,0.97);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);padding:0 60px;display:flex;align-items:center;justify-content:space-between;height:64px;}
.logo{font-family:"Playfair Display",serif;font-size:1.35rem;font-weight:700;color:var(--gold);text-decoration:none;}
.logo span{color:var(--white);}
nav ul{list-style:none;display:flex;gap:4px;}
nav ul li a{text-decoration:none;color:var(--body);font-size:0.82rem;font-weight:500;letter-spacing:0.04em;text-transform:uppercase;padding:8px 13px;border-radius:4px;display:block;transition:color 0.2s,background 0.2s;}
nav ul li a:hover,nav ul li a.active{color:var(--gold);background:rgba(201,168,76,0.07);}
.nav-r{display:flex;align-items:center;gap:12px;}
.nav-tel{display:flex;align-items:center;gap:7px;text-decoration:none;background:rgba(201,168,76,0.1);border:1px solid var(--border);padding:8px 16px;border-radius:6px;font-size:0.88rem;font-weight:700;color:var(--gold);transition:background 0.2s;}
.nav-tel:hover{background:rgba(201,168,76,0.18);}
.btn-nav{background:var(--gold);color:var(--navy);padding:9px 18px;border-radius:4px;font-size:0.82rem;font-weight:700;text-decoration:none;transition:background 0.2s;}
.btn-nav:hover{background:var(--gold-light);}
.hbg{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px;}
.hbg span{display:block;width:24px;height:2px;background:var(--white);border-radius:2px;}
.mm{display:none;position:fixed;inset:0;background:rgba(10,22,40,0.99);z-index:9999;flex-direction:column;align-items:center;justify-content:center;gap:4px;padding:60px 32px 40px;}
.mm.open{display:flex;}
.mm a{font-size:1.1rem;font-weight:600;color:var(--white);text-decoration:none;padding:13px 0;width:100%;text-align:center;border-bottom:1px solid var(--border);transition:color 0.2s;}
.mm a:hover{color:var(--gold);}
.mm .mc{margin-top:12px;background:var(--gold);color:var(--navy)!important;border-radius:4px;font-weight:700!important;border-bottom:none!important;}
.mm .mt{color:var(--gold)!important;font-weight:700!important;border-bottom:none!important;}
.mm-x{position:absolute;top:18px;right:22px;background:none;border:none;color:var(--white);font-size:1.6rem;cursor:pointer;}
/* HERO */
.ph{background:var(--navy-mid);border-bottom:1px solid var(--border);padding:64px 60px 52px;position:relative;overflow:hidden;}
.ph::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 50% 80% at 80% 50%,rgba(201,168,76,0.05),transparent 70%);}
.ph-in{position:relative;max-width:640px;}
.pl{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.ph h1{font-family:"Playfair Display",serif;font-size:clamp(1.9rem,3.5vw,2.8rem);font-weight:800;line-height:1.14;margin-bottom:14px;}
.ph h1 em{font-style:normal;color:var(--gold);}
.ph p{font-size:0.95rem;color:var(--body);line-height:1.7;max-width:520px;}
.ph-btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px;}
/* SHARED */
.sl{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.st{font-family:"Playfair Display",serif;font-size:clamp(1.7rem,3vw,2.4rem);font-weight:700;line-height:1.2;margin-bottom:12px;}
.ss{font-size:0.92rem;color:var(--body);line-height:1.7;}
.sh{text-align:center;margin-bottom:52px;}
.sh .ss{max-width:520px;margin:0 auto;}
.bp{background:var(--gold);color:var(--navy);padding:13px 28px;border-radius:4px;font-size:0.9rem;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:7px;transition:background 0.2s,transform 0.2s;border:none;cursor:pointer;font-family:"DM Sans",sans-serif;}
.bp:hover{background:var(--gold-light);transform:translateY(-1px);}
.bo{background:transparent;border:1px solid var(--border);color:var(--white);padding:13px 28px;border-radius:4px;font-size:0.9rem;font-weight:500;text-decoration:none;display:inline-flex;align-items:center;gap:7px;transition:border-color 0.2s,background 0.2s;}
.bo:hover{border-color:var(--gold);background:rgba(201,168,76,0.06);}
.card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:32px 28px;transition:transform 0.25s,border-color 0.25s,box-shadow 0.25s;}
.card:hover{transform:translateY(-3px);border-color:var(--gold);box-shadow:0 12px 36px rgba(0,0,0,0.3);}
.ci{font-size:1.7rem;margin-bottom:12px;display:block;}
.card h3{font-size:1rem;font-weight:700;margin-bottom:9px;}
.card p{font-size:0.85rem;color:var(--body);line-height:1.65;margin-bottom:14px;}
.cl{font-size:0.78rem;font-weight:700;color:var(--gold);text-decoration:none;text-transform:uppercase;letter-spacing:0.07em;display:inline-flex;align-items:center;gap:5px;transition:gap 0.2s;}
.cl:hover{gap:9px;}
.tag{font-size:0.68rem;color:var(--gold);background:rgba(201,168,76,0.08);border:1px solid rgba(201,168,76,0.2);padding:3px 9px;border-radius:100px;}
.tags{display:flex;flex-wrap:wrap;gap:5px;margin-top:10px;}
.hb{background:rgba(201,168,76,0.06);border:1px solid var(--border);border-left:3px solid var(--gold);border-radius:4px;padding:14px 18px;font-size:0.83rem;color:var(--body);line-height:1.65;}
.wb{background:rgba(255,92,92,0.06);border:1px solid rgba(255,92,92,0.25);border-left:3px solid var(--red);border-radius:4px;padding:14px 18px;font-size:0.83rem;color:var(--body);line-height:1.65;}
.wb strong{color:#FF7070;}
/* FOOTER */
.disc{background:rgba(201,168,76,0.05);border-top:1px solid rgba(201,168,76,0.15);padding:12px 60px;display:flex;align-items:flex-start;gap:10px;}
.disc p{font-size:0.7rem;color:var(--muted);line-height:1.6;flex:1;}
.disc strong{color:var(--gold);}
.disc a{color:var(--gold);text-decoration:none;}
footer{background:#060F1E;border-top:1px solid var(--border);padding:44px 60px 28px;}
.ft{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;margin-bottom:28px;}
.fb p{font-size:0.8rem;color:var(--muted);line-height:1.65;margin:9px 0 13px;}
.fp{display:flex;align-items:center;gap:6px;font-size:0.85rem;font-weight:700;color:var(--gold);text-decoration:none;}
.fc h5{font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:var(--muted);margin-bottom:12px;}
.fc a{display:block;font-size:0.8rem;color:var(--body);text-decoration:none;margin-bottom:7px;transition:color 0.2s;}
.fc a:hover{color:var(--gold);}
.fb2{border-top:1px solid var(--border);padding-top:16px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px;}
.fc2{font-size:0.71rem;color:var(--muted);}
.rb{position:fixed;bottom:0;left:0;right:0;z-index:8888;background:#060F1E;border-top:1px solid rgba(201,168,76,0.3);padding:9px 40px;display:flex;align-items:center;justify-content:space-between;gap:18px;box-shadow:0 -4px 24px rgba(0,0,0,0.4);}
.rb p{font-size:0.68rem;color:#8A9BB5;line-height:1.5;margin:0;flex:1;}
.rb p strong{color:var(--gold);}
.rb p a{color:var(--gold);}
.rb-x{background:none;border:1px solid rgba(201,168,76,0.3);color:#8A9BB5;font-size:0.68rem;padding:4px 11px;border-radius:4px;cursor:pointer;white-space:nowrap;font-family:"DM Sans",sans-serif;flex-shrink:0;}
.rb-x:hover{border-color:var(--gold);color:var(--gold);}
.rb.gone{display:none;}
body.bv{padding-bottom:52px;}
/* RESPONSIVE */
@media(max-width:900px){
  nav{padding:0 20px;}nav ul{display:none;}.nav-r{display:none;}.hbg{display:flex;}
  .ph{padding:44px 20px 36px;}
  section{padding:52px 20px!important;}
  .ft{grid-template-columns:1fr 1fr;gap:22px;}footer{padding:32px 20px 20px;}
  .fb2{flex-direction:column;text-align:center;}
  .disc{padding:12px 20px;}
  .rb{padding:9px 14px;flex-wrap:wrap;}
}
@media(max-width:480px){.ft{grid-template-columns:1fr;}.ph-btns{flex-direction:column;}}

/* from invest.html */
.step-block{display:grid;grid-template-columns:80px 1fr;gap:28px;align-items:start;margin-bottom:40px;padding-bottom:40px;border-bottom:1px solid var(--border);}
.step-block:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0;}
.sbn{width:68px;height:68px;border-radius:50%;background:var(--navy);border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;font-family:"Playfair Display",serif;font-size:1.4rem;font-weight:800;color:var(--gold);flex-shrink:0;}
.step-block h3{font-family:"Playfair Display",serif;font-size:1.15rem;font-weight:700;margin-bottom:10px;}
.step-block p{font-size:0.88rem;color:var(--body);line-height:1.7;margin-bottom:12px;}
.check-list{list-style:none;}
.check-list li{font-size:0.85rem;color:var(--body);padding:4px 0;display:flex;align-items:flex-start;gap:8px;}
.check-list li::before{content:"✓";color:var(--green);font-weight:700;flex-shrink:0;}
.coin-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1100px;margin:0 auto;}
.coin-card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:24px 20px;transition:transform 0.2s,border-color 0.2s;}
.coin-card:hover{transform:translateY(-3px);border-color:var(--gold);}
.coin-sym{font-size:1.6rem;margin-bottom:8px;display:block;}
.coin-name{font-size:0.75rem;font-weight:700;text-transform:uppercase;letter-spacing:0.08em;color:var(--muted);margin-bottom:4px;}
.coin-card h4{font-size:1rem;font-weight:700;margin-bottom:6px;}
.coin-badge{font-size:0.62rem;font-weight:700;text-transform:uppercase;letter-spacing:0.08em;padding:2px 8px;border-radius:100px;display:inline-block;margin-bottom:10px;}
.cb-beg{background:rgba(29,184,122,0.12);color:var(--green);}
.cb-int{background:rgba(201,168,76,0.12);color:var(--gold);}
.cb-adv{background:rgba(255,92,92,0.12);color:var(--red);}
.coin-card p{font-size:0.8rem;color:var(--body);line-height:1.6;}
.strat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;max-width:1100px;margin:0 auto;}
.strat-card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:36px 28px;position:relative;}
.strat-card.featured{border-color:var(--gold);}
.strat-num{font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.12em;color:var(--muted);margin-bottom:14px;}
.strat-icon{font-size:2rem;margin-bottom:12px;display:block;}
.strat-card h3{font-family:"Playfair Display",serif;font-size:1.15rem;font-weight:700;margin-bottom:10px;}
.strat-card p{font-size:0.85rem;color:var(--body);line-height:1.65;margin-bottom:16px;}
.strat-pros{list-style:none;margin-bottom:16px;}
.strat-pros li{font-size:0.82rem;color:var(--body);padding:4px 0;border-bottom:1px solid rgba(255,255,255,0.05);display:flex;align-items:flex-start;gap:7px;}
.strat-pros li::before{content:"✓";color:var(--green);font-weight:700;flex-shrink:0;}
.risk-chip{font-size:0.72rem;font-weight:700;color:var(--muted);}
.risk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;max-width:1000px;margin:0 auto;}
.risk-card{background:var(--navy-mid);border:1px solid var(--border);border-radius:8px;padding:24px 20px;}
.risk-icon{font-size:1.4rem;margin-bottom:10px;display:block;}
.risk-card h4{font-size:0.9rem;font-weight:700;margin-bottom:7px;}
.risk-card p{font-size:0.82rem;color:var(--body);line-height:1.6;}
@media(max-width:900px){.step-block{grid-template-columns:1fr;gap:14px;}.coin-grid{grid-template-columns:1fr 1fr;}.strat-grid{grid-template-columns:1fr;}.risk-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:480px){.coin-grid{grid-template-columns:1fr 1fr;}.risk-grid{grid-template-columns:1fr;}}

/* from markets.html */
:root{--navy:#0A1628;--navy-mid:#112240;--navy-light:#1E3A5F;--gold:#C9A84C;--gold-light:#E8C96A;--white:#fff;--muted:#8A9BB5;--body:#D4DCE8;--border:rgba(201,168,76,0.2);--green:#1DB87A;--red:#FF5C5C;}
*{margin:0;padding:0;box-sizing:border-box;}html{scroll-behavior:smooth;}
body{font-family:"DM Sans",sans-serif;background:var(--navy);color:var(--white);overflow-x:hidden;}
/* NAV */
nav{position:sticky;top:0;width:100%;z-index:200;background:rgba(10,22,40,0.97);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);padding:0 60px;display:flex;align-items:center;justify-content:space-between;height:64px;}
.logo{font-family:"Playfair Display",serif;font-size:1.35rem;font-weight:700;color:var(--gold);text-decoration:none;}
.logo span{color:var(--white);}
nav ul{list-style:none;display:flex;gap:4px;}
nav ul li a{text-decoration:none;color:var(--body);font-size:0.82rem;font-weight:500;letter-spacing:0.04em;text-transform:uppercase;padding:8px 13px;border-radius:4px;display:block;transition:color 0.2s,background 0.2s;}
nav ul li a:hover,nav ul li a.active{color:var(--gold);background:rgba(201,168,76,0.07);}
.nav-r{display:flex;align-items:center;gap:12px;}
.nav-tel{display:flex;align-items:center;gap:7px;text-decoration:none;background:rgba(201,168,76,0.1);border:1px solid var(--border);padding:8px 16px;border-radius:6px;font-size:0.88rem;font-weight:700;color:var(--gold);transition:background 0.2s;}
.nav-tel:hover{background:rgba(201,168,76,0.18);}
.btn-nav{background:var(--gold);color:var(--navy);padding:9px 18px;border-radius:4px;font-size:0.82rem;font-weight:700;text-decoration:none;transition:background 0.2s;}
.btn-nav:hover{background:var(--gold-light);}
.hbg{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px;}
.hbg span{display:block;width:24px;height:2px;background:var(--white);border-radius:2px;}
.mm{display:none;position:fixed;inset:0;background:rgba(10,22,40,0.99);z-index:9999;flex-direction:column;align-items:center;justify-content:center;gap:4px;padding:60px 32px 40px;}
.mm.open{display:flex;}
.mm a{font-size:1.1rem;font-weight:600;color:var(--white);text-decoration:none;padding:13px 0;width:100%;text-align:center;border-bottom:1px solid var(--border);transition:color 0.2s;}
.mm a:hover{color:var(--gold);}
.mm .mc{margin-top:12px;background:var(--gold);color:var(--navy)!important;border-radius:4px;font-weight:700!important;border-bottom:none!important;}
.mm .mt{color:var(--gold)!important;font-weight:700!important;border-bottom:none!important;}
.mm-x{position:absolute;top:18px;right:22px;background:none;border:none;color:var(--white);font-size:1.6rem;cursor:pointer;}
/* HERO */
.ph{background:var(--navy-mid);border-bottom:1px solid var(--border);padding:64px 60px 52px;position:relative;overflow:hidden;}
.ph::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 50% 80% at 80% 50%,rgba(201,168,76,0.05),transparent 70%);}
.ph-in{position:relative;max-width:640px;}
.pl{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.ph h1{font-family:"Playfair Display",serif;font-size:clamp(1.9rem,3.5vw,2.8rem);font-weight:800;line-height:1.14;margin-bottom:14px;}
.ph h1 em{font-style:normal;color:var(--gold);}
.ph p{font-size:0.95rem;color:var(--body);line-height:1.7;max-width:520px;}
.ph-btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px;}
/* SHARED */
.sl{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.st{font-family:"Playfair Display",serif;font-size:clamp(1.7rem,3vw,2.4rem);font-weight:700;line-height:1.2;margin-bottom:12px;}
.ss{font-size:0.92rem;color:var(--body);line-height:1.7;}
.sh{text-align:center;margin-bottom:52px;}
.sh .ss{max-width:520px;margin:0 auto;}
.bp{background:var(--gold);color:var(--navy);padding:13px 28px;border-radius:4px;font-size:0.9rem;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:7px;transition:background 0.2s,transform 0.2s;border:none;cursor:pointer;font-family:"DM Sans",sans-serif;}
.bp:hover{background:var(--gold-light);transform:translateY(-1px);}
.bo{background:transparent;border:1px solid var(--border);color:var(--white);padding:13px 28px;border-radius:4px;font-size:0.9rem;font-weight:500;text-decoration:none;display:inline-flex;align-items:center;gap:7px;transition:border-color 0.2s,background 0.2s;}
.bo:hover{border-color:var(--gold);background:rgba(201,168,76,0.06);}
.card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:32px 28px;transition:transform 0.25s,border-color 0.25s,box-shadow 0.25s;}
.card:hover{transform:translateY(-3px);border-color:var(--gold);box-shadow:0 12px 36px rgba(0,0,0,0.3);}
.ci{font-size:1.7rem;margin-bottom:12px;display:block;}
.card h3{font-size:1rem;font-weight:700;margin-bottom:9px;}
.card p{font-size:0.85rem;color:var(--body);line-height:1.65;margin-bottom:14px;}
.cl{font-size:0.78rem;font-weight:700;color:var(--gold);text-decoration:none;text-transform:uppercase;letter-spacing:0.07em;display:inline-flex;align-items:center;gap:5px;transition:gap 0.2s;}
.cl:hover{gap:9px;}
.tag{font-size:0.68rem;color:var(--gold);background:rgba(201,168,76,0.08);border:1px solid rgba(201,168,76,0.2);padding:3px 9px;border-radius:100px;}
.tags{display:flex;flex-wrap:wrap;gap:5px;margin-top:10px;}
.hb{background:rgba(201,168,76,0.06);border:1px solid var(--border);border-left:3px solid var(--gold);border-radius:4px;padding:14px 18px;font-size:0.83rem;color:var(--body);line-height:1.65;}
.wb{background:rgba(255,92,92,0.06);border:1px solid rgba(255,92,92,0.25);border-left:3px solid var(--red);border-radius:4px;padding:14px 18px;font-size:0.83rem;color:var(--body);line-height:1.65;}
.wb strong{color:#FF7070;}
/* FOOTER */
.disc{background:rgba(201,168,76,0.05);border-top:1px solid rgba(201,168,76,0.15);padding:12px 60px;display:flex;align-items:flex-start;gap:10px;}
.disc p{font-size:0.7rem;color:var(--muted);line-height:1.6;flex:1;}
.disc strong{color:var(--gold);}
.disc a{color:var(--gold);text-decoration:none;}
footer{background:#060F1E;border-top:1px solid var(--border);padding:44px 60px 28px;}
.ft{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;margin-bottom:28px;}
.fb p{font-size:0.8rem;color:var(--muted);line-height:1.65;margin:9px 0 13px;}
.fp{display:flex;align-items:center;gap:6px;font-size:0.85rem;font-weight:700;color:var(--gold);text-decoration:none;}
.fc h5{font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:var(--muted);margin-bottom:12px;}
.fc a{display:block;font-size:0.8rem;color:var(--body);text-decoration:none;margin-bottom:7px;transition:color 0.2s;}
.fc a:hover{color:var(--gold);}
.fb2{border-top:1px solid var(--border);padding-top:16px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px;}
.fc2{font-size:0.71rem;color:var(--muted);}
.rb{position:fixed;bottom:0;left:0;right:0;z-index:8888;background:#060F1E;border-top:1px solid rgba(201,168,76,0.3);padding:9px 40px;display:flex;align-items:center;justify-content:space-between;gap:18px;box-shadow:0 -4px 24px rgba(0,0,0,0.4);}
.rb p{font-size:0.68rem;color:#8A9BB5;line-height:1.5;margin:0;flex:1;}
.rb p strong{color:var(--gold);}
.rb p a{color:var(--gold);}
.rb-x{background:none;border:1px solid rgba(201,168,76,0.3);color:#8A9BB5;font-size:0.68rem;padding:4px 11px;border-radius:4px;cursor:pointer;white-space:nowrap;font-family:"DM Sans",sans-serif;flex-shrink:0;}
.rb-x:hover{border-color:var(--gold);color:var(--gold);}
.rb.gone{display:none;}
body.bv{padding-bottom:52px;}
/* RESPONSIVE */
@media(max-width:900px){
  nav{padding:0 20px;}nav ul{display:none;}.nav-r{display:none;}.hbg{display:flex;}
  .ph{padding:44px 20px 36px;}
  section{padding:52px 20px!important;}
  .ft{grid-template-columns:1fr 1fr;gap:22px;}footer{padding:32px 20px 20px;}
  .fb2{flex-direction:column;text-align:center;}
  .disc{padding:12px 20px;}
  .rb{padding:9px 14px;flex-wrap:wrap;}
}
@media(max-width:480px){.ft{grid-template-columns:1fr;}.ph-btns{flex-direction:column;}}

/* from markets.html */
/* price cards */
.price-g4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 24px;}
.price-g2{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;max-width:1200px;margin:0 auto;}
.pc{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:22px 20px;transition:border-color 0.2s;}
.pc:hover{border-color:var(--gold);}
.pc-sym{font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:var(--muted);margin-bottom:4px;}
.pc-name{font-size:1rem;font-weight:700;margin-bottom:2px;}
.pc-price{font-family:"Playfair Display",serif;font-size:1.6rem;font-weight:800;color:var(--white);}
.pc-chg{font-size:0.82rem;font-weight:700;padding:3px 9px;border-radius:100px;margin-left:8px;}
.pc-chg.up{background:rgba(29,184,122,0.12);color:var(--green);}
.pc-chg.dn{background:rgba(255,92,92,0.12);color:var(--red);}
.pc-range{font-size:0.72rem;color:var(--muted);margin-top:6px;}
.pc-range span{color:var(--body);}
.pc-sm{background:var(--navy-mid);border:1px solid var(--border);border-radius:8px;padding:14px 16px;display:flex;align-items:center;justify-content:space-between;}
.pc-sm .sym{font-size:0.85rem;font-weight:700;}
.pc-sm .pr{font-size:0.95rem;font-weight:700;}
.live-note{text-align:center;font-size:0.72rem;color:var(--muted);margin-top:16px;display:flex;align-items:center;justify-content:center;gap:6px;}
.ldot{width:7px;height:7px;border-radius:50%;background:var(--green);display:inline-block;animation:pulse 2s infinite;}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1);}50%{opacity:0.5;transform:scale(1.4);}}
/* candlestick */
.candle-wrap{background:var(--navy-mid);border:1px solid var(--border);border-radius:12px;padding:28px;max-width:900px;margin:0 auto;}
.candle-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;flex-wrap:wrap;gap:12px;}
.candle-title{font-family:"Playfair Display",serif;font-size:1.1rem;font-weight:700;}
.candle-meta{font-size:0.78rem;color:var(--muted);}
.candle-price-big{font-family:"Playfair Display",serif;font-size:1.8rem;font-weight:800;color:var(--green);}
/* patterns */
.pattern-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;max-width:1100px;margin:0 auto;}
.pat-card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:24px 20px;display:flex;align-items:flex-start;gap:14px;}
.pat-icon{font-size:1.5rem;flex-shrink:0;margin-top:2px;}
.pat-card h4{font-size:0.92rem;font-weight:700;margin-bottom:5px;}
.pat-card p{font-size:0.8rem;color:var(--body);line-height:1.6;}
.pat-badge{font-size:0.65rem;font-weight:700;text-transform:uppercase;letter-spacing:0.08em;padding:2px 8px;border-radius:100px;display:inline-block;margin-top:6px;}
.bull{background:rgba(29,184,122,0.12);color:var(--green);}
.bear{background:rgba(255,92,92,0.12);color:var(--red);}
.neut{background:rgba(201,168,76,0.12);color:var(--gold);}
/* indicators */
.ind-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;max-width:1100px;margin:0 auto;}
.ind-card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:28px 24px;transition:border-color 0.25s,transform 0.25s;}
.ind-card:hover{border-color:var(--gold);transform:translateY(-2px);}
.ind-sym{font-size:1.6rem;margin-bottom:8px;display:block;}
.ind-abbr{font-size:0.68rem;font-weight:700;text-transform:uppercase;letter-spacing:0.12em;color:var(--muted);margin-bottom:4px;}
.ind-card h4{font-family:"Playfair Display",serif;font-size:1rem;font-weight:700;margin-bottom:9px;}
.ind-card p{font-size:0.82rem;color:var(--body);line-height:1.65;margin-bottom:10px;}
.ind-best{font-size:0.72rem;color:var(--gold);font-weight:600;}
/* news */
.news-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;max-width:1200px;margin:0 auto;}
.news-card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;overflow:hidden;transition:transform 0.25s,border-color 0.25s;}
.news-card:hover{transform:translateY(-3px);border-color:var(--gold);}
.news-img{width:100%;height:140px;object-fit:cover;background:var(--navy-light);display:flex;align-items:center;justify-content:center;font-size:2.5rem;}
.news-body{padding:20px;}
.news-src{font-size:0.68rem;font-weight:700;text-transform:uppercase;letter-spacing:0.08em;color:var(--gold);margin-bottom:6px;}
.news-card h4{font-size:0.9rem;font-weight:700;line-height:1.4;margin-bottom:8px;}
.news-card p{font-size:0.78rem;color:var(--body);line-height:1.6;margin-bottom:12px;}
.news-time{font-size:0.7rem;color:var(--muted);}
.news-loading{text-align:center;padding:60px;color:var(--muted);font-size:0.9rem;}
@media(max-width:900px){.price-g4{grid-template-columns:1fr 1fr;}.price-g2{grid-template-columns:1fr 1fr;}.pattern-grid{grid-template-columns:1fr;}.ind-grid{grid-template-columns:1fr;}.news-grid{grid-template-columns:1fr;}}
@media(max-width:480px){.price-g4{grid-template-columns:1fr 1fr;}.price-g2{grid-template-columns:1fr 1fr;}}

/* from privacy.html */
:root {
    --navy: #0A1628;
    --navy-mid: #112240;
    --navy-light: #1E3A5F;
    --gold: #C9A84C;
    --gold-light: #E8C96A;
    --white: #FFFFFF;
    --off-white: #F8F7F4;
    --text-muted: #8A9BB5;
    --text-body: #D4DCE8;
    --border: rgba(201,168,76,0.2);
  }
  * { margin: 0; padding: 0; box-sizing: border-box; }
  body { font-family: 'DM Sans', sans-serif; background: var(--navy); color: var(--white); line-height: 1.7; }

  nav {
    position: sticky; top: 0; width: 100%; z-index: 100;
    padding: 18px 60px;
    display: flex; align-items: center; justify-content: space-between;
    background: rgba(10,22,40,0.96);
    backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--border);
  }
  .logo { font-family: 'Playfair Display', serif; font-size: 1.4rem; font-weight: 700; color: var(--gold); text-decoration: none; }
  .logo span { color: var(--white); }
  .nav-back { font-size: 0.85rem; color: var(--text-muted); text-decoration: none; display: flex; align-items: center; gap: 6px; transition: color 0.2s; }
  .nav-back:hover { color: var(--gold); }

  .page-header {
    background: var(--navy-mid);
    border-bottom: 1px solid var(--border);
    padding: 60px 60px 50px;
  }
  .page-label { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); margin-bottom: 12px; }
  .page-header h1 { font-family: 'Playfair Display', serif; font-size: 2.4rem; font-weight: 700; margin-bottom: 12px; }
  .page-header p { color: var(--text-muted); font-size: 0.9rem; }

  .content {
    max-width: 820px; margin: 0 auto;
    padding: 60px 60px 100px;
  }

  .toc {
    background: var(--navy-mid);
    border: 1px solid var(--border);
    border-radius: 8px;
    padding: 28px 32px;
    margin-bottom: 48px;
  }
  .toc h3 { font-size: 0.85rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gold); margin-bottom: 16px; }
  .toc ol { padding-left: 20px; }
  .toc ol li { margin-bottom: 8px; }
  .toc ol li a { color: var(--text-body); font-size: 0.875rem; text-decoration: none; transition: color 0.2s; }
  .toc ol li a:hover { color: var(--gold); }

  .policy-section { margin-bottom: 48px; }
  .policy-section h2 {
    font-family: 'Playfair Display', serif;
    font-size: 1.4rem; font-weight: 700;
    color: var(--white);
    padding-bottom: 12px;
    border-bottom: 1px solid var(--border);
    margin-bottom: 20px;
  }
  .policy-section h3 { font-size: 1rem; font-weight: 600; color: var(--gold-light); margin: 24px 0 10px; }
  .policy-section p { font-size: 0.9rem; color: var(--text-body); margin-bottom: 14px; }
  .policy-section ul { padding-left: 20px; margin-bottom: 14px; }
  .policy-section ul li { font-size: 0.9rem; color: var(--text-body); margin-bottom: 8px; }

  .highlight-box {
    background: rgba(201,168,76,0.07);
    border: 1px solid var(--border);
    border-left: 3px solid var(--gold);
    border-radius: 4px;
    padding: 16px 20px;
    margin: 20px 0;
    font-size: 0.875rem;
    color: var(--text-body);
  }

  footer {
    background: #060F1E;
    border-top: 1px solid var(--border);
    padding: 32px 60px;
    display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 16px;
  }
  .footer-logo { font-family: 'Playfair Display', serif; font-size: 1.1rem; color: var(--gold); }
  .footer-links { display: flex; gap: 24px; }
  .footer-links a { font-size: 0.8rem; color: var(--text-muted); text-decoration: none; transition: color 0.2s; }
  .footer-links a:hover { color: var(--gold); }
  .footer-copy { font-size: 0.78rem; color: var(--text-muted); }

  @media (max-width: 768px) {
    nav { padding: 16px 20px; }
    .page-header { padding: 40px 20px 32px; }
    .content { padding: 40px 20px 60px; }
    footer { padding: 24px 20px; flex-direction: column; text-align: center; }
  }

  /* ─── RISK DISCLAIMER BANNER ─── */
  .risk-banner {
    position: fixed;
    bottom: 0; left: 0; right: 0;
    z-index: 8888;
    background: #060F1E;
    border-top: 1px solid rgba(201,168,76,0.3);
    padding: 10px 40px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    box-shadow: 0 -4px 24px rgba(0,0,0,0.4);
  }
  .risk-banner p {
    font-size: 0.72rem;
    color: #8A9BB5;
    line-height: 1.5;
    margin: 0;
    flex: 1;
  }
  .risk-banner p strong { color: #C9A84C; }
  .risk-banner-close {
    background: none;
    border: 1px solid rgba(201,168,76,0.3);
    color: #8A9BB5;
    font-size: 0.72rem;
    padding: 5px 14px;
    border-radius: 4px;
    cursor: pointer;
    white-space: nowrap;
    transition: border-color 0.2s, color 0.2s;
    font-family: 'DM Sans', sans-serif;
    flex-shrink: 0;
  }
  .risk-banner-close:hover { border-color: #C9A84C; color: #C9A84C; }
  .risk-banner.hidden { display: none; }
  /* Push footer up so banner doesn't cover content */
  body.banner-visible { padding-bottom: 60px; }
  @media (max-width: 768px) {
    .risk-banner { padding: 10px 16px; gap: 12px; flex-wrap: wrap; }
    .risk-banner p { font-size: 0.68rem; }
    body.banner-visible { padding-bottom: 80px; }
  }

/* from recovery.html */
:root{--navy:#0A1628;--navy-mid:#112240;--navy-light:#1E3A5F;--gold:#C9A84C;--gold-light:#E8C96A;--white:#fff;--text-muted:#8A9BB5;--text-body:#D4DCE8;--border:rgba(201,168,76,0.2);--green:#1DB87A;--red:#FF5C5C;}
*{margin:0;padding:0;box-sizing:border-box;}html{scroll-behavior:smooth;}
body{font-family:"DM Sans",sans-serif;background:var(--navy);color:var(--white);overflow-x:hidden;}
nav{position:sticky;top:0;width:100%;z-index:200;background:rgba(10,22,40,0.97);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);padding:0 60px;display:flex;align-items:center;justify-content:space-between;height:64px;}
.logo{font-family:"Playfair Display",serif;font-size:1.35rem;font-weight:700;color:var(--gold);text-decoration:none;}
.logo span{color:var(--white);}
nav ul{list-style:none;display:flex;gap:4px;}
nav ul li a{text-decoration:none;color:var(--text-body);font-size:0.82rem;font-weight:500;letter-spacing:0.04em;text-transform:uppercase;padding:8px 13px;border-radius:4px;display:block;transition:color 0.2s,background 0.2s;}
nav ul li a:hover,nav ul li a.active{color:var(--gold);background:rgba(201,168,76,0.06);}
.nav-right{display:flex;align-items:center;gap:12px;}
.nav-phone-link{display:flex;align-items:center;gap:7px;text-decoration:none;background:rgba(201,168,76,0.1);border:1px solid var(--border);padding:8px 16px;border-radius:6px;transition:background 0.2s;}
.nav-phone-link:hover{background:rgba(201,168,76,0.18);}
.nav-phone-link span{font-size:0.88rem;font-weight:700;color:var(--gold);}
.btn-nav{background:var(--gold);color:var(--navy);padding:9px 18px;border-radius:4px;font-size:0.82rem;font-weight:700;text-decoration:none;transition:background 0.2s;}
.btn-nav:hover{background:var(--gold-light);}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px;}
.hamburger span{display:block;width:24px;height:2px;background:var(--white);border-radius:2px;}
.mob-menu{display:none;position:fixed;inset:0;background:rgba(10,22,40,0.99);z-index:9999;flex-direction:column;align-items:center;justify-content:center;gap:4px;padding:60px 32px 40px;}
.mob-menu.is-open{display:flex;}
.mob-menu a{font-size:1.1rem;font-weight:600;color:var(--white);text-decoration:none;padding:13px 0;width:100%;text-align:center;border-bottom:1px solid var(--border);transition:color 0.2s;}
.mob-menu a:hover{color:var(--gold);}
.mob-menu .mob-cta{margin-top:12px;background:var(--gold);color:var(--navy)!important;border-radius:4px;font-weight:700!important;border-bottom:none!important;}
.mob-menu .mob-tel{color:var(--gold)!important;font-weight:700!important;border-bottom:none!important;}
.mob-close{position:absolute;top:18px;right:22px;background:none;border:none;color:var(--white);font-size:1.6rem;cursor:pointer;}
.page-hero{background:var(--navy-mid);border-bottom:1px solid var(--border);padding:64px 60px 52px;position:relative;overflow:hidden;}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 50% 80% at 80% 50%,rgba(201,168,76,0.05) 0%,transparent 70%);}
.page-hero-inner{position:relative;max-width:640px;}
.page-label{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.page-hero h1{font-family:"Playfair Display",serif;font-size:clamp(1.9rem,3.5vw,2.8rem);font-weight:800;line-height:1.15;margin-bottom:14px;}
.page-hero h1 em{font-style:normal;color:var(--gold);}
.page-hero p{font-size:0.95rem;color:var(--text-body);line-height:1.7;max-width:520px;}
.sec-label{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.sec-title{font-family:"Playfair Display",serif;font-size:clamp(1.7rem,3vw,2.4rem);font-weight:700;line-height:1.2;margin-bottom:12px;}
.sec-sub{font-size:0.92rem;color:var(--text-body);line-height:1.7;}
.sec-header{text-align:center;margin-bottom:52px;}
.sec-header .sec-sub{max-width:520px;margin:0 auto;}
.btn-primary{background:var(--gold);color:var(--navy);padding:14px 32px;border-radius:4px;font-size:0.92rem;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:background 0.2s,transform 0.2s;border:none;cursor:pointer;font-family:"DM Sans",sans-serif;}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-1px);}
.btn-outline{background:transparent;border:1px solid var(--border);color:var(--white);padding:14px 32px;border-radius:4px;font-size:0.92rem;font-weight:500;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:border-color 0.2s,background 0.2s;}
.btn-outline:hover{border-color:var(--gold);background:rgba(201,168,76,0.06);}
.card{background:var(--navy-mid);border:1px solid var(--border);border-radius:10px;padding:36px 30px;transition:transform 0.25s,border-color 0.25s,box-shadow 0.25s;}
.card:hover{transform:translateY(-3px);border-color:var(--gold);box-shadow:0 12px 36px rgba(0,0,0,0.3);}
.card-icon{font-size:1.8rem;margin-bottom:14px;display:block;}
.card h3{font-size:1rem;font-weight:700;margin-bottom:10px;}
.card p{font-size:0.875rem;color:var(--text-body);line-height:1.65;margin-bottom:16px;}
.card-link{font-size:0.78rem;font-weight:700;color:var(--gold);text-decoration:none;text-transform:uppercase;letter-spacing:0.07em;display:inline-flex;align-items:center;gap:5px;transition:gap 0.2s;}
.card-link:hover{gap:9px;}
.tag{font-size:0.68rem;color:var(--gold);background:rgba(201,168,76,0.08);border:1px solid rgba(201,168,76,0.2);padding:3px 9px;border-radius:100px;}
.tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:12px;}
.highlight-box{background:rgba(201,168,76,0.06);border:1px solid var(--border);border-left:3px solid var(--gold);border-radius:4px;padding:16px 20px;font-size:0.85rem;color:var(--text-body);line-height:1.65;}
.warn-box{background:rgba(255,92,92,0.06);border:1px solid rgba(255,92,92,0.25);border-left:3px solid var(--red);border-radius:4px;padding:16px 20px;font-size:0.85rem;color:var(--text-body);line-height:1.65;}
.warn-box strong{color:#FF7070;}
.disc-bar{background:rgba(201,168,76,0.05);border-top:1px solid rgba(201,168,76,0.15);padding:14px 60px;display:flex;align-items:flex-start;gap:12px;}
.disc-bar p{font-size:0.72rem;color:var(--text-muted);line-height:1.6;flex:1;}
.disc-bar strong{color:var(--gold);}
.disc-bar a{color:var(--gold);text-decoration:none;}
footer{background:#060F1E;border-top:1px solid var(--border);padding:44px 60px 28px;}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;margin-bottom:32px;}
.footer-brand p{font-size:0.8rem;color:var(--text-muted);line-height:1.65;margin:10px 0 14px;}
.footer-phone{display:flex;align-items:center;gap:7px;font-size:0.88rem;font-weight:700;color:var(--gold);text-decoration:none;}
.footer-col h5{font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:var(--text-muted);margin-bottom:12px;}
.footer-col a{display:block;font-size:0.8rem;color:var(--text-body);text-decoration:none;margin-bottom:7px;transition:color 0.2s;}
.footer-col a:hover{color:var(--gold);}
.footer-bottom{border-top:1px solid var(--border);padding-top:18px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;}
.footer-copy{font-size:0.73rem;color:var(--text-muted);}
.risk-banner{position:fixed;bottom:0;left:0;right:0;z-index:8888;background:#060F1E;border-top:1px solid rgba(201,168,76,0.3);padding:10px 40px;display:flex;align-items:center;justify-content:space-between;gap:20px;box-shadow:0 -4px 24px rgba(0,0,0,0.4);}
.risk-banner p{font-size:0.7rem;color:#8A9BB5;line-height:1.5;margin:0;flex:1;}
.risk-banner p strong{color:var(--gold);}
.risk-banner p a{color:var(--gold);}
.risk-close{background:none;border:1px solid rgba(201,168,76,0.3);color:#8A9BB5;font-size:0.7rem;padding:5px 12px;border-radius:4px;cursor:pointer;white-space:nowrap;font-family:"DM Sans",sans-serif;flex-shrink:0;}
.risk-close:hover{border-color:var(--gold);color:var(--gold);}
.risk-banner.hidden{display:none;}
body.bv{padding-bottom:54px;}
@media(max-width:900px){
  nav{padding:0 20px;} nav ul{display:none;} .nav-right{display:none;} .hamburger{display:flex;}
  .page-hero{padding:44px 20px 36px;}
  section{padding:52px 20px!important;}
  .footer-top{grid-template-columns:1fr 1fr;gap:24px;}
  footer{padding:32px 20px 20px;}
  .footer-bottom{flex-direction:column;text-align:center;}
  .disc-bar{padding:12px 20px;}
  .risk-banner{padding:10px 16px;flex-wrap:wrap;}
}
@media(max-width:480px){.footer-top{grid-template-columns:1fr;}}

/* from recovery.html */
.rec-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px;max-width:1100px;margin:0 auto;}
.proc-step{display:flex;gap:24px;align-items:flex-start;margin-bottom:36px;padding-bottom:36px;border-bottom:1px solid var(--border);}
.proc-step:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0;}
.proc-num{width:54px;height:54px;flex-shrink:0;border-radius:50%;background:var(--navy);border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;font-family:"Playfair Display",serif;font-size:1.2rem;font-weight:800;color:var(--gold);}
.proc-step h4{font-size:1rem;font-weight:700;margin-bottom:7px;}
.proc-step p{font-size:0.875rem;color:var(--text-body);line-height:1.65;}
.cta-band{background:linear-gradient(135deg,rgba(201,168,76,0.08),rgba(30,58,95,0.3));border:1px solid var(--border);border-radius:12px;padding:48px;text-align:center;max-width:800px;margin:0 auto;}
@media(max-width:900px){.rec-grid{grid-template-columns:1fr;}.proc-step{gap:16px;}.cta-band{padding:32px 20px;}}

/* from services.html */
:root{--navy:#0A1628;--navy-mid:#112240;--navy-light:#1E3A5F;--gold:#C9A84C;--gold-light:#E8C96A;--white:#fff;--muted:#8A9BB5;--body:#D4DCE8;--border:rgba(201,168,76,0.2);--green:#1DB87A;--red:#FF5C5C;}
*{margin:0;padding:0;box-sizing:border-box;}html{scroll-behavior:smooth;}
body{font-family:"DM Sans",sans-serif;background:var(--navy);color:var(--white);overflow-x:hidden;}
nav{position:sticky;top:0;width:100%;z-index:200;background:rgba(10,22,40,0.97);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);padding:0 60px;display:flex;align-items:center;justify-content:space-between;height:64px;}
.logo{font-family:"Playfair Display",serif;font-size:1.35rem;font-weight:700;color:var(--gold);text-decoration:none;}.logo span{color:var(--white);}
nav ul{list-style:none;display:flex;gap:4px;}
nav ul li a{text-decoration:none;color:var(--body);font-size:0.82rem;font-weight:500;letter-spacing:0.04em;text-transform:uppercase;padding:8px 13px;border-radius:4px;display:block;transition:color 0.2s,background 0.2s;}
nav ul li a:hover{color:var(--gold);background:rgba(201,168,76,0.07);}
.nav-r{display:flex;align-items:center;gap:12px;}
.nav-tel{display:flex;align-items:center;gap:7px;text-decoration:none;background:rgba(201,168,76,0.1);border:1px solid var(--border);padding:8px 16px;border-radius:6px;font-size:0.88rem;font-weight:700;color:var(--gold);}
.btn-nav{background:var(--gold);color:var(--navy);padding:9px 18px;border-radius:4px;font-size:0.82rem;font-weight:700;text-decoration:none;}
.hbg{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px;}
.hbg span{display:block;width:24px;height:2px;background:var(--white);border-radius:2px;}
.mm{display:none;position:fixed;inset:0;background:rgba(10,22,40,0.99);z-index:9999;flex-direction:column;align-items:center;justify-content:center;gap:4px;padding:60px 32px 40px;}
.mm.open{display:flex;}.mm a{font-size:1.1rem;font-weight:600;color:var(--white);text-decoration:none;padding:13px 0;width:100%;text-align:center;border-bottom:1px solid var(--border);}
.mm .mc{margin-top:12px;background:var(--gold);color:var(--navy)!important;border-radius:4px;font-weight:700!important;border-bottom:none!important;}
.mm .mt{color:var(--gold)!important;font-weight:700!important;border-bottom:none!important;}
.mm-x{position:absolute;top:18px;right:22px;background:none;border:none;color:var(--white);font-size:1.6rem;cursor:pointer;}
/* hero */
.ph{background:var(--navy-mid);border-bottom:1px solid var(--border);padding:64px 60px 52px;position:relative;overflow:hidden;}
.ph::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 50% 80% at 80% 50%,rgba(201,168,76,0.05),transparent 70%);}
.ph-in{position:relative;max-width:640px;}
.pl{font-size:0.7rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;}
.ph h1{font-family:"Playfair Display",serif;font-size:clamp(1.9rem,3.5vw,2.8rem);font-weight:800;line-height:1.14;margin-bottom:14px;}
.ph h1 em{font-style:normal;color:var(--gold);}
.ph p{font-size:0.95rem;color:var(--body);line-height:1.7;max-width:520px;}
.ph-btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px;}
/* quicklinks */
.ql{background:var(--navy-mid);border-bottom:1px solid var(--border);padding:18px 60px;display:flex;gap:12px;flex-wrap:wrap;}
.ql a{display:inline-flex;align-items:center;gap:7px;font-size:0.82rem;font-weight:600;color:var(--body);text-decoration:none;background:rgba(255,255,255,0.04);border:1px solid var(--border);padding:7px 16px;border-radius:100px;transition:border-color 0.2s,color 0.2s;}
.ql a:hover{border-color:var(--gold);color:var(--gold);}
/* services */
.svc-num{font-family:"Playfair Display",serif;font-size:2rem;font-weight:800;color:rgba(201,168,76,0.15);margin-bottom:6px;line-height:1;}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;max-width:1200px;margin:0 auto;border:1px solid var(--border);}
.svc-card{background:var(--navy-mid);padding:40px 32px;position:relative;overflow:hidden;transition:background 0.3s;}
.svc-card:hover{background:var(--navy-light);}
.svc-card::after{content:"";position:absolute;bottom:0;left:0;width:0;height:2px;background:var(--gold);transition:width 0.4s;}
.svc-card:hover::after{width:100%;}
.svc-icon{font-size:1.7rem;margin-bottom:12px;display:block;}
.svc-card h3{font-family:"Playfair Display",serif;font-size:1.15rem;font-weight:700;margin-bottom:8px;}
.svc-badge{font-size:0.65rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;padding:2px 8px;border-radius:100px;margin-left:8px;}
.badge-emg{background:rgba(255,92,92,0.15);color:var(--red);}
.badge-pop{background:rgba(29,184,122,0.15);color:var(--green);}
.svc-card p{font-size:0.85rem;color:var(--body);line-height:1.65;margin-bottom:12px;}
.svc-card ul{padding-left:16px;margin-bottom:12px;}
.svc-card ul li{font-size:0.82rem;color:var(--body);margin-bottom:5px;}
.tags{display:flex;flex-wrap:wrap;gap:5px;margin-bottom:14px;}
.tag{font-size:0.67rem;color:var(--gold);background:rgba(201,168,76,0.08);border:1px solid rgba(201,168,76,0.2);padding:2px 8px;border-radius:100px;}
.svc-link{font-size:0.78rem;font-weight:700;color:var(--gold);text-decoration:none;text-transform:uppercase;letter-spacing:0.07em;display:inline-flex;align-items:center;gap:5px;transition:gap 0.2s;}
.svc-link:hover{gap:9px;}
/* steps */
.steps-g{display:grid;grid-template-columns:repeat(4,1fr);gap:0;max-width:1100px;margin:0 auto;position:relative;}
.steps-g::before{content:"";position:absolute;top:34px;left:12.5%;right:12.5%;height:1px;background:linear-gradient(90deg,transparent,var(--gold),var(--gold),transparent);opacity:0.2;}
.step{text-align:center;padding:0 24px;position:relative;z-index:1;}
.step-n{width:68px;height:68px;border-radius:50%;background:var(--navy);border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;margin:0 auto 20px;font-family:"Playfair Display",serif;font-size:1.4rem;font-weight:800;color:var(--gold);}
.step h4{font-size:0.95rem;font-weight:700;margin-bottom:8px;}
.step p{font-size:0.83rem;color:var(--body);line-height:1.6;}
/* pricing */
.price-g{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;max-width:1000px;margin:0 auto;}
.price-card{background:var(--navy-mid);border:1px solid var(--border);border-radius:12px;padding:40px 32px;text-align:center;position:relative;transition:transform 0.25s,border-color 0.25s,box-shadow 0.25s;}
.price-card:hover{transform:translateY(-4px);border-color:var(--gold);box-shadow:0 16px 48px rgba(0,0,0,0.3);}
.price-card.popular{border-color:var(--gold);}
.pop-badge{position:absolute;top:-12px;left:50%;transform:translateX(-50%);background:var(--gold);color:var(--navy);font-size:0.68rem;font-weight:800;text-transform:uppercase;letter-spacing:0.1em;padding:4px 14px;border-radius:100px;white-space:nowrap;}
.price-tier{font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.12em;color:var(--muted);margin-bottom:10px;}
.price-card h3{font-family:"Playfair Display",serif;font-size:1.3rem;font-weight:700;margin-bottom:6px;}
.price-amt{font-family:"Playfair Display",serif;font-size:2.6rem;font-weight:800;color:var(--gold);margin:14px 0 4px;}
.price-per{font-size:0.78rem;color:var(--muted);margin-bottom:22px;}
.price-card ul{list-style:none;text-align:left;margin-bottom:24px;}
.price-card ul li{font-size:0.85rem;color:var(--body);padding:7px 0;border-bottom:1px solid rgba(255,255,255,0.05);display:flex;align-items:flex-start;gap:8px;}
.price-card ul li::before{content:"✓";color:var(--green);font-weight:700;flex-shrink:0;}
.price-btn{display:block;text-align:center;background:var(--navy);border:1px solid var(--border);color:var(--white);padding:12px;border-radius:6px;font-size:0.88rem;font-weight:700;text-decoration:none;transition:background 0.2s,border-color 0.2s;}
.price-btn:hover,.price-card.popular .price-btn{background:var(--gold);border-color:var(--gold);color:var(--navy);}
/* contact strip */
.cstrip{background:linear-gradient(135deg,rgba(201,168,76,0.08),rgba(30,58,95,0.3));border:1px solid var(--border);border-radius:12px;padding:44px;text-align:center;max-width:800px;margin:0 auto;}
.cstrip h2{font-family:"Playfair Display",serif;font-size:1.8rem;font-weight:700;margin-bottom:10px;}
.cstrip p{font-size:0.92rem;color:var(--body);margin-bottom:24px;}
.cstrip-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}
/* disc/footer */
.disc{background:rgba(201,168,76,0.05);border-top:1px solid rgba(201,168,76,0.15);padding:12px 60px;display:flex;align-items:flex-start;gap:10px;}
.disc p{font-size:0.7rem;color:var(--muted);line-height:1.6;flex:1;}
.disc strong{color:var(--gold);}.disc a{color:var(--gold);text-decoration:none;}
footer{background:#060F1E;border-top:1px solid var(--border);padding:44px 60px 28px;}
.ft{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;margin-bottom:28px;}
.fb p{font-size:0.8rem;color:var(--muted);line-height:1.65;margin:9px 0 13px;}
.fp{display:flex;align-items:center;gap:6px;font-size:0.85rem;font-weight:700;color:var(--gold);text-decoration:none;}
.fc h5{font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:var(--muted);margin-bottom:12px;}
.fc a{display:block;font-size:0.8rem;color:var(--body);text-decoration:none;margin-bottom:7px;transition:color 0.2s;}
.fc a:hover{color:var(--gold);}
.fb2{border-top:1px solid var(--border);padding-top:16px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px;}
.fc2{font-size:0.71rem;color:var(--muted);}
.rb{position:fixed;bottom:0;left:0;right:0;z-index:8888;background:#060F1E;border-top:1px solid rgba(201,168,76,0.3);padding:9px 40px;display:flex;align-items:center;justify-content:space-between;gap:18px;}
.rb p{font-size:0.68rem;color:#8A9BB5;line-height:1.5;margin:0;flex:1;}
.rb p strong{color:var(--gold);}.rb p a{color:var(--gold);}
.rb-x{background:none;border:1px solid rgba(201,168,76,0.3);color:#8A9BB5;font-size:0.68rem;padding:4px 11px;border-radius:4px;cursor:pointer;font-family:"DM Sans",sans-serif;flex-shrink:0;}
.rb.gone{display:none;}body.bv{padding-bottom:52px;}
@media(max-width:900px){nav{padding:0 20px;}nav ul{display:none;}.nav-r{display:none;}.hbg{display:flex;}.ph{padding:44px 20px 36px;}section{padding:52px 20px!important;}.svc-grid{grid-template-columns:1fr;}.steps-g{grid-template-columns:1fr 1fr;gap:32px;}.steps-g::before{display:none;}.price-g{grid-template-columns:1fr;}.ft{grid-template-columns:1fr 1fr;}footer{padding:32px 20px 20px;}.fb2{flex-direction:column;text-align:center;}.disc{padding:12px 20px;}.ql{padding:14px 20px;}.rb{padding:9px 14px;}}
@media(max-width:480px){.ft{grid-template-columns:1fr;}.steps-g{grid-template-columns:1fr;}.ph-btns{flex-direction:column;}}

/* from terms.html */
:root {
    --navy: #0A1628;
    --navy-mid: #112240;
    --navy-light: #1E3A5F;
    --gold: #C9A84C;
    --gold-light: #E8C96A;
    --white: #FFFFFF;
    --text-muted: #8A9BB5;
    --text-body: #D4DCE8;
    --border: rgba(201,168,76,0.2);
  }
  * { margin: 0; padding: 0; box-sizing: border-box; }
  body { font-family: 'DM Sans', sans-serif; background: var(--navy); color: var(--white); line-height: 1.7; }

  nav {
    position: sticky; top: 0; width: 100%; z-index: 100;
    padding: 18px 60px;
    display: flex; align-items: center; justify-content: space-between;
    background: rgba(10,22,40,0.96);
    backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--border);
  }
  .logo { font-family: 'Playfair Display', serif; font-size: 1.4rem; font-weight: 700; color: var(--gold); text-decoration: none; }
  .logo span { color: var(--white); }
  .nav-back { font-size: 0.85rem; color: var(--text-muted); text-decoration: none; display: flex; align-items: center; gap: 6px; transition: color 0.2s; }
  .nav-back:hover { color: var(--gold); }

  .page-header {
    background: var(--navy-mid);
    border-bottom: 1px solid var(--border);
    padding: 60px 60px 50px;
  }
  .page-label { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); margin-bottom: 12px; }
  .page-header h1 { font-family: 'Playfair Display', serif; font-size: 2.4rem; font-weight: 700; margin-bottom: 12px; }
  .page-header p { color: var(--text-muted); font-size: 0.9rem; }

  .content {
    max-width: 820px; margin: 0 auto;
    padding: 60px 60px 100px;
  }

  .toc {
    background: var(--navy-mid);
    border: 1px solid var(--border);
    border-radius: 8px;
    padding: 28px 32px;
    margin-bottom: 48px;
  }
  .toc h3 { font-size: 0.85rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gold); margin-bottom: 16px; }
  .toc ol { padding-left: 20px; }
  .toc ol li { margin-bottom: 8px; }
  .toc ol li a { color: var(--text-body); font-size: 0.875rem; text-decoration: none; transition: color 0.2s; }
  .toc ol li a:hover { color: var(--gold); }

  .policy-section { margin-bottom: 48px; }
  .policy-section h2 {
    font-family: 'Playfair Display', serif;
    font-size: 1.4rem; font-weight: 700;
    color: var(--white);
    padding-bottom: 12px;
    border-bottom: 1px solid var(--border);
    margin-bottom: 20px;
  }
  .policy-section h3 { font-size: 1rem; font-weight: 600; color: var(--gold-light); margin: 24px 0 10px; }
  .policy-section p { font-size: 0.9rem; color: var(--text-body); margin-bottom: 14px; }
  .policy-section ul { padding-left: 20px; margin-bottom: 14px; }
  .policy-section ul li { font-size: 0.9rem; color: var(--text-body); margin-bottom: 8px; }

  .highlight-box {
    background: rgba(201,168,76,0.07);
    border: 1px solid var(--border);
    border-left: 3px solid var(--gold);
    border-radius: 4px;
    padding: 16px 20px;
    margin: 20px 0;
    font-size: 0.875rem;
    color: var(--text-body);
  }
  .warning-box {
    background: rgba(255,80,80,0.06);
    border: 1px solid rgba(255,80,80,0.2);
    border-left: 3px solid #ff5050;
    border-radius: 4px;
    padding: 16px 20px;
    margin: 20px 0;
    font-size: 0.875rem;
    color: var(--text-body);
  }

  footer {
    background: #060F1E;
    border-top: 1px solid var(--border);
    padding: 32px 60px;
    display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 16px;
  }
  .footer-logo { font-family: 'Playfair Display', serif; font-size: 1.1rem; color: var(--gold); }
  .footer-links { display: flex; gap: 24px; }
  .footer-links a { font-size: 0.8rem; color: var(--text-muted); text-decoration: none; transition: color 0.2s; }
  .footer-links a:hover { color: var(--gold); }
  .footer-copy { font-size: 0.78rem; color: var(--text-muted); }

  @media (max-width: 768px) {
    nav { padding: 16px 20px; }
    .page-header { padding: 40px 20px 32px; }
    .content { padding: 40px 20px 60px; }
    footer { padding: 24px 20px; flex-direction: column; text-align: center; }
  }

  /* ─── RISK DISCLAIMER BANNER ─── */
  .risk-banner {
    position: fixed;
    bottom: 0; left: 0; right: 0;
    z-index: 8888;
    background: #060F1E;
    border-top: 1px solid rgba(201,168,76,0.3);
    padding: 10px 40px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    box-shadow: 0 -4px 24px rgba(0,0,0,0.4);
  }
  .risk-banner p {
    font-size: 0.72rem;
    color: #8A9BB5;
    line-height: 1.5;
    margin: 0;
    flex: 1;
  }
  .risk-banner p strong { color: #C9A84C; }
  .risk-banner-close {
    background: none;
    border: 1px solid rgba(201,168,76,0.3);
    color: #8A9BB5;
    font-size: 0.72rem;
    padding: 5px 14px;
    border-radius: 4px;
    cursor: pointer;
    white-space: nowrap;
    transition: border-color 0.2s, color 0.2s;
    font-family: 'DM Sans', sans-serif;
    flex-shrink: 0;
  }
  .risk-banner-close:hover { border-color: #C9A84C; color: #C9A84C; }
  .risk-banner.hidden { display: none; }
  /* Push footer up so banner doesn't cover content */
  body.banner-visible { padding-bottom: 60px; }
  @media (max-width: 768px) {
    .risk-banner { padding: 10px 16px; gap: 12px; flex-wrap: wrap; }
    .risk-banner p { font-size: 0.68rem; }
    body.banner-visible { padding-bottom: 80px; }
  }