/* ==========================================================================
   DISTINCTIVE WEALTH MANAGEMENT — Global Stylesheet
   Premium, editorial, minimalist wealth-management design system.
   ========================================================================== */

/* ---------- Design Tokens ---------- */
:root {
  /* Brand palette */
  --deep-forest: #084121;
  --dark-emerald: #043C1D;
  --emerald: #21581A;
  --mid-green: #285F1D;
  --gold: #D6B15A;
  --white: #FFFFFF;
  --soft-bg: #F5F7F3;
  --text-main: #172019;
  --text-muted: #657067;

  /* Derived */
  --gold-line: rgba(214, 177, 90, 0.55);
  --border-soft: rgba(23, 32, 25, 0.10);
  --border-on-dark: rgba(255, 255, 255, 0.16);
  --shadow-soft: 0 10px 40px rgba(8, 65, 33, 0.08);
  --shadow-card: 0 1px 2px rgba(23, 32, 25, 0.06), 0 12px 32px rgba(8, 65, 33, 0.06);

  /* Type */
  --font-heading: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-body: 'DM Sans', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Layout */
  --container-max: 1240px;
  --header-height: 84px;
  --radius-sm: 2px;
  --radius-md: 4px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body, h1, h2, h3, h4, p, figure, blockquote, dl, dd, ul, ol { margin: 0; }
ul[class], ol[class] { padding: 0; list-style: none; }
img, picture { max-width: 100%; display: block; }
input, button, textarea, select { font: inherit; color: inherit; }
button { cursor: pointer; }
a { color: inherit; text-decoration: none; }

html, body { overflow-x: hidden; }

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text-main);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* ---------- Focus states (accessibility) ---------- */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: 1px;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: auto;
  background: var(--deep-forest);
  color: var(--white);
  padding: 12px 20px;
  z-index: 1000;
  font-size: 14px;
}
.skip-link:focus {
  left: 16px;
  top: 16px;
}

/* ---------- Typography ---------- */
h1, h2, h3, h4 {
  font-family: var(--font-heading);
  font-weight: 600;
  line-height: 1.15;
  color: var(--text-main);
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.4rem, 4.2vw, 4rem); font-weight: 600; }
h2 { font-size: clamp(1.9rem, 3vw, 2.75rem); }
h3 { font-size: clamp(1.35rem, 1.8vw, 1.75rem); }
h4 { font-size: 1.15rem; }

p { color: var(--text-muted); }
p.lead { font-size: 1.2rem; line-height: 1.6; }

.eyebrow {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--emerald);
  display: inline-flex;
  align-items: center;
  gap: 12px;
}
.eyebrow::before {
  content: "";
  width: 30px;
  height: 1px;
  background: var(--gold);
  display: inline-block;
}
.eyebrow.on-dark { color: var(--gold); }

.text-muted { color: var(--text-muted); }
.text-white { color: var(--white); }

/* ---------- Layout helpers ---------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 32px;
}

section { position: relative; }
.section { padding: 112px 0; }
.section-sm { padding: 72px 0; }
.section-tight { padding: 88px 0; }

.bg-soft { background: var(--soft-bg); }
.bg-forest {
  background: var(--deep-forest);
  color: var(--white);
}
.bg-forest p { color: rgba(255,255,255,0.72); }
.bg-forest h1, .bg-forest h2, .bg-forest h3, .bg-forest h4 { color: var(--white); }

.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
}
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}

.divider {
  height: 1px;
  width: 100%;
  background: var(--border-soft);
}
.divider-gold {
  height: 1px;
  width: 64px;
  background: var(--gold);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 16px 32px;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  transition: all 0.35s var(--ease);
  white-space: nowrap;
}

.btn-primary {
  background: var(--deep-forest);
  color: var(--white);
  border-color: var(--deep-forest);
}
.btn-primary:hover {
  background: var(--emerald);
  border-color: var(--emerald);
  transform: translateY(-1px);
}

.btn-gold {
  background: var(--gold);
  color: var(--deep-forest);
  border-color: var(--gold);
}
.btn-gold:hover {
  background: #c9a24d;
  border-color: #c9a24d;
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  color: var(--deep-forest);
  border-color: var(--deep-forest);
}
.btn-outline:hover {
  background: var(--deep-forest);
  color: var(--white);
}

.btn-outline-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.btn-outline-light:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}

.btn-ghost {
  background: transparent;
  color: var(--white);
  padding: 16px 4px;
  border: none;
  border-bottom: 1px solid rgba(255,255,255,0.35);
  border-radius: 0;
}
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); }

.btn-text {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--emerald);
  border-bottom: 1px solid transparent;
  padding-bottom: 4px;
  transition: gap 0.3s var(--ease), color 0.3s var(--ease), border-color 0.3s var(--ease);
}
.btn-text:hover {
  gap: 14px;
  border-color: var(--gold);
  color: var(--dark-emerald);
}
.btn-text .arrow { transition: transform 0.3s var(--ease); }
.btn-text:hover .arrow { transform: translateX(2px); }

.btn-block { width: 100%; justify-content: center; }

/* ---------- Header / Navigation ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 500;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--border-soft);
  transition: box-shadow 0.3s var(--ease);
}
.site-header.is-scrolled {
  box-shadow: 0 6px 24px rgba(8, 65, 33, 0.08);
}

.nav-wrap {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 32px;
  height: var(--header-height);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  height: 100%;
  flex-shrink: 0;
}
.brand img {
  height: 54px;
  width: auto;
  max-width: 220px;
  object-fit: contain;
}

.nav-primary {
  display: flex;
  align-items: center;
  gap: 40px;
  flex: 1;
  justify-content: center;
}
.nav-primary a {
  font-size: 0.88rem;
  font-weight: 500;
  letter-spacing: 0.02em;
  color: var(--text-main);
  position: relative;
  padding: 8px 0;
  transition: color 0.25s var(--ease);
}
.nav-primary a::after {
  content: "";
  position: absolute;
  left: 0; bottom: 0;
  width: 0;
  height: 1px;
  background: var(--gold);
  transition: width 0.3s var(--ease);
}
.nav-primary a:hover,
.nav-primary a[aria-current="page"] {
  color: var(--deep-forest);
}
.nav-primary a:hover::after,
.nav-primary a[aria-current="page"]::after {
  width: 100%;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-shrink: 0;
}

.nav-cta {
  padding: 13px 26px;
  font-size: 0.78rem;
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  padding: 8px;
  flex-direction: column;
  gap: 5px;
  width: 40px;
}
.nav-toggle span {
  display: block;
  height: 2px;
  width: 100%;
  background: var(--deep-forest);
  transition: transform 0.3s var(--ease), opacity 0.3s var(--ease);
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Mobile nav panel ---------- */
.mobile-nav {
  position: fixed;
  inset: var(--header-height) 0 0 0;
  background: var(--white);
  z-index: 490;
  transform: translateY(-8px);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s var(--ease), transform 0.3s var(--ease), visibility 0.3s;
  overflow-y: auto;
}
.mobile-nav.is-open {
  opacity: 1;
  transform: translateY(0);
  visibility: visible;
}
.mobile-nav-inner {
  padding: 40px 32px 60px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.mobile-nav a {
  font-family: var(--font-heading);
  font-size: 1.6rem;
  padding: 16px 0;
  border-bottom: 1px solid var(--border-soft);
  color: var(--text-main);
}
.mobile-nav .btn { margin-top: 28px; }

body.nav-locked { overflow: hidden; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: var(--deep-forest);
  color: var(--white);
  overflow: hidden;
  padding: 150px 0 130px;
}
.hero-lines {
  position: absolute;
  inset: 0;
  pointer-events: none;
  opacity: 0.5;
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 760px;
}
.hero .eyebrow { color: var(--gold); margin-bottom: 28px; }
.hero h1 {
  color: var(--white);
  margin-bottom: 28px;
}
.hero p.lead {
  color: rgba(255,255,255,0.75);
  max-width: 560px;
  margin-bottom: 44px;
}
.hero-actions {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.hero-stat-row {
  position: relative;
  z-index: 2;
  margin-top: 96px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.14);
  display: flex;
  gap: 64px;
  flex-wrap: wrap;
}
.hero-stat-row div { max-width: 260px; }
.hero-stat-row h4 {
  color: var(--gold);
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-family: var(--font-body);
  font-weight: 700;
  margin-bottom: 8px;
}
.hero-stat-row p { color: rgba(255,255,255,0.65); font-size: 0.92rem; margin: 0; }

/* ---------- Page hero (interior pages) ---------- */
.page-hero {
  background: var(--deep-forest);
  color: var(--white);
  padding: 96px 0 80px;
  position: relative;
  overflow: hidden;
}
.page-hero .eyebrow { color: var(--gold); margin-bottom: 20px; }
.page-hero h1 { color: var(--white); margin-bottom: 20px; }
.page-hero p.lead { color: rgba(255,255,255,0.72); max-width: 640px; }
.page-hero-crumb {
  font-size: 0.8rem;
  letter-spacing: 0.05em;
  color: rgba(255,255,255,0.55);
  margin-bottom: 24px;
  display: flex;
  gap: 8px;
  align-items: center;
}
.page-hero-crumb a { color: rgba(255,255,255,0.75); }
.page-hero-crumb a:hover { color: var(--gold); }

/* ---------- Intro / Approach section ---------- */
.intro-grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 80px;
  align-items: start;
}
.intro-grid h2 { margin: 20px 0 0; }
.intro-copy p { font-size: 1.08rem; margin-bottom: 28px; }

/* ---------- Services cards ---------- */
.services-heading {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 40px;
  margin-bottom: 64px;
  flex-wrap: wrap;
}
.services-heading h2 { max-width: 620px; margin-top: 20px; }

.service-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--border-soft);
  border: 1px solid var(--border-soft);
}
.service-card {
  background: var(--white);
  padding: 48px 40px;
  display: flex;
  flex-direction: column;
  min-height: 300px;
  transition: background 0.35s var(--ease);
  position: relative;
}
.service-card:hover { background: var(--soft-bg); }
.service-card .card-num {
  font-family: var(--font-heading);
  font-size: 1rem;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 28px;
  letter-spacing: 0.05em;
}
.service-card h3 { margin-bottom: 14px; }
.service-card p { flex: 1; margin-bottom: 24px; font-size: 0.96rem; }
.service-card .card-arrow {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid var(--border-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.35s var(--ease);
  flex-shrink: 0;
}
.service-card:hover .card-arrow {
  background: var(--deep-forest);
  border-color: var(--deep-forest);
}
.service-card:hover .card-arrow svg { stroke: var(--white); }
.service-card .card-arrow svg {
  width: 16px; height: 16px;
  stroke: var(--deep-forest);
  transition: stroke 0.3s var(--ease);
}
.service-card-link {
  position: absolute;
  inset: 0;
}
.service-card-link span { position: absolute; left: -9999px; }

/* ---------- Partnerships ---------- */
.partner-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.partner-card {
  background: var(--white);
  border: 1px solid var(--border-soft);
  padding: 52px 36px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 26px;
  transition: all 0.35s var(--ease);
  position: relative;
}
.partner-card:hover {
  box-shadow: var(--shadow-card);
  border-color: transparent;
  transform: translateY(-3px);
}
.partner-logo-box {
  height: 92px;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.partner-logo-box img {
  max-height: 92px;
  max-width: 100%;
  object-fit: contain;
}
.partner-card .btn-text { margin-top: 4px; }
.partner-card-link { position: absolute; inset: 0; }
.partner-card-link span { position: absolute; left: -9999px; }

/* ---------- Regulatory / FSCA section ---------- */
.regulatory-panel {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 56px;
  align-items: center;
  background: var(--white);
  border: 1px solid var(--border-soft);
  padding: 56px;
}
.regulatory-logo-box {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 100px;
}
.regulatory-logo-box img { max-height: 100px; max-width: 100%; object-fit: contain; }
.regulatory-placeholder {
  margin-top: 24px;
  padding: 20px 24px;
  background: var(--soft-bg);
  border-left: 2px solid var(--gold);
  font-size: 0.88rem;
  color: var(--text-muted);
}
.regulatory-placeholder strong { color: var(--text-main); }

/* ---------- Values / Principles ---------- */
.value-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--border-soft);
  border: 1px solid var(--border-soft);
}
.value-card {
  background: var(--white);
  padding: 44px 32px;
}
.value-card .card-num {
  font-family: var(--font-heading);
  color: var(--gold);
  font-size: 1rem;
  margin-bottom: 20px;
}
.value-card h3 { font-size: 1.2rem; margin-bottom: 12px; }
.value-card p { font-size: 0.94rem; }

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--dark-emerald);
  color: var(--white);
  padding: 96px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-band h2 { color: var(--white); margin-bottom: 32px; }
.cta-band .container { position: relative; z-index: 2; max-width: 760px; }

/* ---------- Detail page blocks (services, partners) ---------- */
.detail-block {
  padding: 88px 0;
  border-bottom: 1px solid var(--border-soft);
}
.detail-block:last-of-type { border-bottom: none; }
.detail-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
}
.detail-grid h2 { margin-bottom: 22px; }
.detail-grid p.lead { font-size: 1.05rem; margin-bottom: 20px; }

.feature-list { display: flex; flex-direction: column; gap: 0; }
.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 18px 0;
  border-bottom: 1px solid var(--border-soft);
  font-size: 0.98rem;
  color: var(--text-main);
}
.feature-list li:first-child { padding-top: 0; }
.feature-list li::before {
  content: "";
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--gold);
  margin-top: 9px;
  flex-shrink: 0;
}

.panel-box {
  background: var(--soft-bg);
  padding: 40px;
  border: 1px solid var(--border-soft);
}
.panel-box h4 {
  font-family: var(--font-body);
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--emerald);
  margin-bottom: 20px;
}

/* Partner product category blocks */
.category-block { margin-bottom: 48px; }
.category-block:last-child { margin-bottom: 0; }
.category-block h3 {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 20px;
  font-size: 1.3rem;
}
.category-block h3 .cat-index {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--white);
  background: var(--deep-forest);
  width: 30px; height: 30px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.category-block ul { display: flex; flex-direction: column; gap: 10px; }
.category-block li {
  padding-left: 22px;
  position: relative;
  font-size: 0.96rem;
  color: var(--text-muted);
}
.category-block li::before {
  content: "—";
  position: absolute;
  left: 0;
  color: var(--gold);
}
.category-columns {
  columns: 2;
  column-gap: 56px;
}
.category-columns .category-block {
  break-inside: avoid;
}

.partner-page-header {
  display: flex;
  align-items: center;
  gap: 32px;
  margin-bottom: 8px;
  flex-wrap: wrap;
}
.partner-page-logo {
  background: var(--white);
  padding: 18px 28px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 88px;
}
.partner-page-logo img { max-height: 56px; max-width: 220px; object-fit: contain; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--deep-forest);
  color: rgba(255,255,255,0.72);
  padding: 88px 0 0;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 48px;
  padding-bottom: 64px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-brand img {
  height: 80px;
  width: auto;
  object-fit: contain;
  margin-bottom: 20px;
 
}
.footer-brand p { color: rgba(255,255,255,0.6); font-size: 0.92rem; max-width: 300px; }
.footer-col h4 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 700;
  margin-bottom: 22px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 12px; }
.footer-col a, .footer-col span, .footer-col p {
  color: rgba(255,255,255,0.65);
  font-size: 0.92rem;
  transition: color 0.25s var(--ease);
}
.footer-col a:hover { color: var(--gold); }
.footer-col p { margin: 0; }

.footer-bottom {
  padding: 32px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
}
.footer-legal {
  padding: 32px 0;
  border-top: 1px solid rgba(255,255,255,0.12);
  font-size: 0.78rem;
  line-height: 1.8;
  color: rgba(255,255,255,0.42);
}
.footer-legal p { color: rgba(255,255,255,0.42); margin-bottom: 10px; }
.footer-legal p:last-child { margin-bottom: 0; }

/* ---------- Forms ---------- */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.form-group { display: flex; flex-direction: column; gap: 8px; margin-bottom: 24px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--text-main);
}
.form-group input,
.form-group select,
.form-group textarea {
  padding: 15px 18px;
  border: 1px solid var(--border-soft);
  background: var(--white);
  font-size: 0.98rem;
  color: var(--text-main);
  border-radius: var(--radius-sm);
  transition: border-color 0.25s var(--ease);
  width: 100%;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--emerald);
  outline: none;
}
.form-group textarea { resize: vertical; min-height: 140px; }
.form-hp { position: absolute; left: -9999px; opacity: 0; height: 0; width: 0; }

.contact-layout {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 72px;
  align-items: start;
}
.contact-info-card {
  background: var(--deep-forest);
  color: var(--white);
  padding: 48px 40px;
}
.contact-info-card h3 { color: var(--white); margin-bottom: 28px; }
.contact-info-item { margin-bottom: 26px; }
.contact-info-item:last-child { margin-bottom: 0; }
.contact-info-item h4 {
  font-family: var(--font-body);
  font-size: 0.75rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
  font-weight: 700;
}
.contact-info-item p { color: rgba(255,255,255,0.78); margin: 0; }

/* ---------- Success page ---------- */
.success-block {
  min-height: 60vh;
  display: flex;
  align-items: center;
  padding: 120px 0;
}
.success-icon {
  width: 76px; height: 76px;
  border-radius: 50%;
  border: 1px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 36px;
}

/* ---------- Fade-in animation ---------- */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}
.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .grid-4, .value-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .regulatory-panel { grid-template-columns: 160px 1fr; padding: 40px; gap: 36px; }
}

@media (max-width: 960px) {
  .nav-primary, .nav-actions .nav-cta { display: none; }
  .nav-toggle { display: flex; }
  .nav-actions { gap: 8px; }

  .intro-grid, .grid-2, .detail-grid, .contact-layout { grid-template-columns: 1fr; gap: 40px; }
  .service-cards { grid-template-columns: 1fr; }
  .grid-3, .partner-grid { grid-template-columns: 1fr; }
  .category-columns { columns: 1; }

  .hero { padding: 120px 0 90px; }
  .hero-stat-row { gap: 36px; margin-top: 64px; }

  .section { padding: 80px 0; }
  .section-sm { padding: 56px 0; }
}

@media (max-width: 680px) {
  .container { padding: 0 20px; }
  .nav-wrap { padding: 0 20px; }
  .brand img { height: 42px; }
  .value-grid, .grid-4 { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; gap: 40px; padding-bottom: 40px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .form-grid { grid-template-columns: 1fr; }
  .regulatory-panel { grid-template-columns: 1fr; text-align: center; padding: 36px 24px; }
  .regulatory-logo-box { justify-content: center; }
  .partner-page-header { flex-direction: column; align-items: flex-start; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { justify-content: center; }
  .services-heading { flex-direction: column; align-items: flex-start; }
  .cta-band { padding: 72px 0; }
  h1 { line-height: 1.2; }
}