/* ============================================================================
   MASRIF INVESTMENT v3.0 - PREMIUM REDESIGN
   Modern, glossy, high-definition wealth management website
   Inspired by: Alpha10 Group, Stanbic IBTC, Coronation
   ============================================================================ */

/* CSS RESET */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: 'Poppins', -apple-system, BlinkMacSystemFont, sans-serif;
    font-weight: 400;
    line-height: 1.7;
    color: #0F1628;
    background-color: #FFFFFF;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    padding-top: 80px; /* Account for fixed navigation */
}

/* DESIGN TOKENS */
:root {
    /* Colors - Premium Palette */
    --navy-900: #0F1628;
    --navy-800: #1a2332;
    --navy-700: #253246;
    --navy-50: #F8F9FB;
    
    --gold-600: #BDA899;
    --gold-500: #D4C4B8;
    --gold-400: #E5D7CE;
    
    --white: #FFFFFF;
    --gray-900: #111827;
    --gray-700: #374151;
    --gray-500: #6B7280;
    --gray-300: #D1D5DB;
    --gray-100: #F3F4F6;
    
    /* Gradients */
    --gradient-hero: linear-gradient(135deg, rgba(15,22,40,0.95) 0%, rgba(15,22,40,0.85) 100%);
    --gradient-gold: linear-gradient(135deg, #D4C4B8 0%, #BDA899 100%);
    --gradient-overlay: linear-gradient(180deg, transparent 0%, rgba(0,0,0,0.3) 100%);
    
    /* Shadows - Glossy Effects */
    --shadow-sm: 0 2px 8px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 16px rgba(0,0,0,0.12);
    --shadow-lg: 0 8px 32px rgba(0,0,0,0.16);
    --shadow-xl: 0 16px 48px rgba(0,0,0,0.20);
    --shadow-gold: 0 8px 24px rgba(189,168,153,0.25);
    
    /* Glass Effects */
    --glass-bg: rgba(255,255,255,0.9);
    --glass-border: rgba(255,255,255,0.2);
    
    /* Spacing */
    --container-max: 1400px;
    --spacing-xs: 0.5rem;
    --spacing-sm: 1rem;
    --spacing-md: 1.5rem;
    --spacing-lg: 2rem;
    --spacing-xl: 3rem;
    --spacing-2xl: 4rem;
    --spacing-3xl: 6rem;
    
    /* Transitions */
    --transition-fast: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-base: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-slow: 0.5s cubic-bezier(0.4, 0, 0.2, 1);
    
    /* Border Radius */
    --radius-sm: 4px;
    --radius-md: 8px;
    --radius-lg: 12px;
    --radius-xl: 16px;
    --radius-2xl: 24px;
}

/* TYPOGRAPHY */
h1, h2, h3, h4, h5, h6 {
    font-weight: 700;
    line-height: 1.2;
    letter-spacing: -0.025em;
    color: var(--navy-900);
    margin-bottom: 1rem;
}

h1 {
    font-size: clamp(2.5rem, 6vw, 4.5rem);
    letter-spacing: -0.04em;
}

h2 {
    font-size: clamp(2rem, 4vw, 3.5rem);
}

h3 {
    font-size: clamp(1.5rem, 3vw, 2.25rem);
}

h4 {
    font-size: clamp(1.25rem, 2.5vw, 1.75rem);
    font-weight: 600;
}

p {
    margin-bottom: 1rem;
    color: var(--gray-700);
}

.large-text {
    font-size: clamp(1.125rem, 2vw, 1.375rem);
    line-height: 1.6;
    color: var(--gray-700);
}

a {
    color: var(--gold-600);
    text-decoration: none;
    transition: var(--transition-fast);
}

a:hover {
    color: var(--gold-500);
}

/* LAYOUT CONTAINERS */
.container-fluid {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--spacing-lg);
}

@media (max-width: 768px) {
    .container-fluid {
        padding: 0 var(--spacing-md);
    }
}

/* PREMIUM NAVIGATION */
.premium-nav,
.main-nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: var(--glass-bg);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(0,0,0,0.08);
    transition: var(--transition-base);
    box-shadow: var(--shadow-sm);
}

.premium-nav.scrolled,
.main-nav.scrolled {
    background: rgba(255,255,255,0.98);
    box-shadow: var(--shadow-md);
}

.glass-nav {
    background: var(--glass-bg);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
}

.nav-container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--spacing-lg);
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
}

.logo {
    display: flex;
    align-items: center;
}

.logo img {
    transition: var(--transition-fast);
}

.logo img:hover {
    opacity: 0.8;
}

.nav-brand,
.logo a {
    display: flex;
    align-items: center;
}

.nav-brand svg {
    color: var(--navy-900);
    transition: var(--transition-fast);
}

.nav-brand:hover svg {
    color: var(--gold-600);
}

.nav-menu,
.nav-links {
    display: flex;
    align-items: center;
    gap: 2.5rem;
    list-style: none;
}

.nav-links li {
    display: inline-block;
    position: relative;
}

/* Dropdown Container */
.nav-dropdown {
    position: relative;
}

.nav-dropdown > a {
    display: flex;
    align-items: center;
    gap: 0.25rem;
}

.nav-dropdown-icon {
    font-size: 18px;
    transition: transform 0.2s ease;
}

.nav-dropdown:hover .nav-dropdown-icon {
    transform: rotate(180deg);
}

/* Dropdown Menu */
.nav-dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    background: var(--white);
    border: 1px solid rgba(189, 168, 153, 0.2);
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow-lg);
    min-width: 220px;
    padding: 0.5rem 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: all 0.3s ease-in-out;
    z-index: 1000;
}

.nav-dropdown:hover .nav-dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.nav-dropdown-menu a {
    display: block;
    padding: 0.75rem 1.25rem;
    font-size: 0.9rem;
    color: var(--navy-900);
    text-decoration: none;
    transition: all 0.2s ease;
    border-left: 3px solid transparent;
}

.nav-dropdown-menu a::after {
    display: none;
}

.nav-dropdown-menu a:hover {
    background: rgba(189, 168, 153, 0.08);
    border-left-color: var(--gold-600);
    padding-left: 1.5rem;
}

.nav-link,
.nav-links a {
    font-size: 0.95rem;
    font-weight: 500;
    color: var(--navy-900);
    position: relative;
    padding: 0.5rem 0;
    transition: var(--transition-fast);
    text-decoration: none;
}

.nav-link::after,
.nav-links a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--gradient-gold);
    transition: var(--transition-fast);
}

.nav-link:hover,
.nav-link.active,
.nav-links a:hover,
.nav-links a.active {
    color: var(--gold-600);
}

.nav-link:hover::after,
.nav-link.active::after,
.nav-links a:hover::after,
.nav-links a.active::after {
    width: 100%;
}

.nav-cta,
.cta-link {
    background: var(--gradient-gold);
    color: var(--navy-900);
    padding: 0.75rem 1.5rem;
    border-radius: var(--radius-md);
    font-weight: 600;
    box-shadow: var(--shadow-gold);
}

.nav-cta::after,
.cta-link::after {
    display: none;
}

.nav-cta:hover,
.cta-link:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
    color: var(--navy-900);
}

.mobile-toggle,
.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    gap: 4px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0.5rem;
}

.mobile-toggle span,
.mobile-menu-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--navy-900);
    transition: var(--transition-fast);
}

@media (max-width: 968px) {
    .mobile-toggle,
    .mobile-menu-toggle {
        display: flex;
    }
    
    /* Mobile Dropdown Adjustments */
    .nav-dropdown {
        position: relative;
        width: 100%;
    }
    
    .nav-dropdown > a {
        width: 100%;
        justify-content: space-between;
    }
    
    .nav-dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        border: none;
        border-left: 2px solid var(--gold-600);
        margin-left: 1rem;
        padding: 0.5rem 0;
        background: transparent;
        display: none;
    }
    
    .nav-dropdown.active .nav-dropdown-menu {
        display: block;
    }
    
    .nav-dropdown-menu a {
        padding: 0.5rem 1rem;
        font-size: 0.9rem;
    }
    
    .nav-menu,
    .nav-links {
        position: fixed;
        top: 80px;
        left: 0;
        right: 0;
        flex-direction: column;
        background: var(--white);
        padding: var(--spacing-lg);
        gap: 1rem;
        transform: translateX(100%);
        transition: var(--transition-base);
        box-shadow: var(--shadow-lg);
        z-index: 999;
    }
    
    .nav-menu.active,
    .nav-links.active {
        transform: translateX(0);
    }
    
    .nav-links li {
        width: 100%;
    }
    
    .nav-links a {
        display: block;
        padding: 1rem;
        text-align: center;
    }
}

/* HERO SECTION - Premium with Image */
.hero-premium {
    position: relative;
    height: calc(100vh - 80px);
    min-height: 700px;
    margin-top: 80px;
    overflow: hidden;
}

.hero-image-container {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 0;
}

.hero-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: var(--gradient-hero);
}

.hero-content-wrapper {
    position: relative;
    z-index: 1;
    height: 100%;
    display: flex;
    align-items: center;
}

.hero-content {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--spacing-lg);
    max-width: 900px;
}

.hero-label {
    font-size: 0.875rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gold-500);
    margin-bottom: 1.5rem;
}

.hero-title {
    color: var(--white);
    margin-bottom: 1.5rem;
    line-height: 1.1;
}

.hero-description {
    font-size: clamp(1rem, 2vw, 1.25rem);
    color: rgba(255,255,255,0.9);
    margin-bottom: 2.5rem;
    max-width: 700px;
    line-height: 1.7;
}

.hero-actions {
    display: flex;
    gap: 1.5rem;
    margin-bottom: 3rem;
    flex-wrap: wrap;
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 2rem;
    padding-top: 2rem;
    border-top: 1px solid rgba(255,255,255,0.2);
}

.stat-item {
    text-align: center;
}

.stat-value {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 700;
    color: var(--gold-500);
    margin-bottom: 0.5rem;
    letter-spacing: -0.02em;
}

.stat-label {
    font-size: 0.875rem;
    color: rgba(255,255,255,0.7);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

@media (max-width: 768px) {
    .hero-premium {
        height: auto;
        min-height: 600px;
    }
    
    .hero-actions {
        flex-direction: column;
    }
}

/* BUTTONS - Premium Style */
.btn-premium-primary,
.btn-premium-secondary,
.btn-premium-outline,
.btn-premium-primary-large {
    display: inline-block;
    padding: 1rem 2rem;
    font-family: 'Poppins', sans-serif;
    font-size: 0.95rem;
    font-weight: 600;
    text-align: center;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: var(--transition-base);
    border: 2px solid transparent;
}

.btn-premium-primary {
    background: var(--gradient-gold);
    color: var(--navy-900);
    box-shadow: var(--shadow-gold);
}

.btn-premium-primary:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-xl);
    filter: brightness(1.1);
}

.btn-premium-secondary {
    background: rgba(255,255,255,0.1);
    color: var(--white);
    border-color: rgba(255,255,255,0.3);
    backdrop-filter: blur(10px);
}

.btn-premium-secondary:hover {
    background: rgba(255,255,255,0.2);
    border-color: var(--gold-500);
    color: var(--white);
}

.btn-premium-outline {
    background: transparent;
    color: var(--navy-900);
    border-color: var(--navy-900);
}

.btn-premium-outline:hover {
    background: var(--navy-900);
    color: var(--white);
}

.btn-premium-primary-large {
    background: var(--gradient-gold);
    color: var(--navy-900);
    padding: 1.25rem 2.5rem;
    font-size: 1.0rem;
    box-shadow: var(--shadow-gold);
}

.btn-premium-primary-large:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-xl);
}

/* TRUST INDICATORS */
.trust-indicators {
    background: var(--navy-50);
    padding: var(--spacing-3xl) 0;
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

.trust-item {
    text-align: center;
    padding: 2rem;
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    transition: var(--transition-base);
}

.trust-item:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.trust-item .material-symbols-outlined {
    font-size: 3rem;
    color: var(--gold-600);
    margin-bottom: 1rem;
}

.trust-item h3 {
    font-size: 1.25rem;
    margin-bottom: 0.75rem;
}

.trust-item p {
    font-size: 0.95rem;
    color: var(--gray-700);
}

/* SOLUTIONS OVERVIEW */
.solutions-overview {
    padding: var(--spacing-3xl) 0;
}

.section-header-center {
    text-align: center;
    max-width: 800px;
    margin: 0 auto var(--spacing-3xl);
}

.section-label {
    font-size: 0.875rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gold-600);
    margin-bottom: 1rem;
}

.section-title {
    margin-bottom: 1.5rem;
}

.section-description {
    font-size: 1.125rem;
    color: var(--gray-700);
    line-height: 1.7;
}

.solutions-cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2rem;
    margin-bottom: 3rem;
}

.solution-card-modern {
    background: var(--white);
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-xl);
    padding: 2.5rem;
    transition: var(--transition-base);
    position: relative;
    overflow: hidden;
}

.solution-card-modern::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background: var(--gradient-gold);
    transform: scaleX(0);
    transform-origin: left;
    transition: var(--transition-base);
}

.solution-card-modern:hover::before {
    transform: scaleX(1);
}

.solution-card-modern:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: var(--gold-600);
}

.solution-card-modern.featured {
    background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 100%);
    border-color: var(--gold-600);
    color: var(--white);
}

.solution-card-modern.featured h3,
.solution-card-modern.featured p,
.solution-card-modern.featured li {
    color: var(--white);
}

.featured-badge {
    position: absolute;
    top: 1.5rem;
    right: 1.5rem;
    background: var(--gradient-gold);
    color: var(--navy-900);
    padding: 0.5rem 1rem;
    border-radius: var(--radius-sm);
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.05em;
}

.solution-icon-modern {
    width: 60px;
    height: 60px;
    background: var(--gradient-gold);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
}

.solution-card-modern.featured .solution-icon-modern {
    background: rgba(255,255,255,0.1);
}

.solution-icon-modern .material-symbols-outlined {
    font-size: 2rem;
    color: var(--navy-900);
}

.solution-card-modern.featured .solution-icon-modern .material-symbols-outlined {
    color: var(--gold-500);
}

.solution-card-modern h3 {
    font-size: 1.5rem;
    margin-bottom: 1rem;
}

.solution-highlights {
    list-style: none;
    margin: 1.5rem 0;
}

.solution-highlights li {
    padding-left: 1.5rem;
    position: relative;
    margin-bottom: 0.75rem;
    color: var(--gray-700);
    font-size: 0.95rem;
}

.solution-highlights li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--gold-600);
    font-weight: 700;
}

.solution-card-modern.featured .solution-highlights li::before {
    color: var(--gold-500);
}

.solution-link-modern {
    display: inline-block;
    margin-top: 1rem;
    font-weight: 600;
    color: var(--gold-600);
    transition: var(--transition-fast);
}

.solution-link-modern:hover {
    transform: translateX(5px);
}

.solution-card-modern.featured .solution-link-modern {
    color: var(--gold-500);
}

.section-cta-center {
    text-align: center;
    margin-top: 3rem;
}

/* APPROACH SECTION */
.approach-section {
    background: var(--navy-50);
    padding: var(--spacing-3xl) 0;
}

.approach-layout {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 4rem;
    align-items: center;
}

.section-title-left {
    text-align: left;
    margin-bottom: 1.5rem;
}

.approach-pillars {
    margin: 2rem 0;
}

.pillar-item {
    display: flex;
    gap: 1.5rem;
    margin-bottom: 2rem;
    align-items: start;
}

.pillar-number {
    flex-shrink: 0;
    width: 50px;
    height: 50px;
    background: var(--gradient-gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    color: var(--navy-900);
    font-size: 1.25rem;
}

.pillar-content h4 {
    font-size: 1.125rem;
    margin-bottom: 0.5rem;
}

.pillar-content p {
    color: var(--gray-700);
    font-size: 0.95rem;
}

.approach-visual {
    position: relative;
}

.stats-visual-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 2rem;
    box-shadow: var(--shadow-lg);
}

.stats-chart-placeholder {
    margin-bottom: 2rem;
}

.stats-info {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.stat-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.75rem 0;
    border-bottom: 1px solid var(--gray-300);
}

.stat-row:last-child {
    border-bottom: none;
}

.stat-row span {
    color: var(--gray-700);
    font-size: 0.95rem;
}

.stat-row strong {
    font-size: 1.25rem;
    color: var(--navy-900);
}

@media (max-width: 968px) {
    .approach-layout {
        grid-template-columns: 1fr;
        gap: 3rem;
    }
}

/* CLIENT SEGMENTS */
.client-segments {
    padding: var(--spacing-3xl) 0;
}

.segments-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2rem;
}

.segment-card {
    background: var(--white);
    border: 2px solid var(--gray-300);
    border-radius: var(--radius-xl);
    padding: 2.5rem;
    transition: var(--transition-base);
    position: relative;
}

.segment-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: var(--gold-600);
}

.segment-card.highlighted {
    background: var(--navy-900);
    border-color: var(--gold-600);
    color: var(--white);
}

.segment-card.highlighted h3,
.segment-card.highlighted p {
    color: var(--white);
}

.highlight-badge {
    position: absolute;
    top: -12px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--gradient-gold);
    color: var(--navy-900);
    padding: 0.5rem 1.5rem;
    border-radius: var(--radius-sm);
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.05em;
}

.segment-card h3 {
    font-size: 1.5rem;
    margin-bottom: 0.5rem;
}

.segment-range {
    font-weight: 600;
    color: var(--gold-600);
    font-size: 1.125rem;
    margin-bottom: 1rem;
}

.segment-card.highlighted .segment-range {
    color: var(--gold-500);
}

.segment-services {
    list-style: none;
    margin-top: 1.5rem;
}

.segment-services li {
    padding-left: 1.5rem;
    position: relative;
    margin-bottom: 0.75rem;
    color: var(--gray-700);
    font-size: 0.95rem;
}

.segment-services li::before {
    content: '→';
    position: absolute;
    left: 0;
    color: var(--gold-600);
}

.segment-card.highlighted .segment-services li {
    color: rgba(255,255,255,0.9);
}

.segment-card.highlighted .segment-services li::before {
    color: var(--gold-500);
}

/* INSIGHTS PREVIEW */
.insights-preview {
    background: var(--navy-50);
    padding: var(--spacing-3xl) 0;
}

.insights-header {
    display: flex;
    justify-content: space-between;
    align-items: end;
    margin-bottom: 3rem;
}

.insights-featured-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr;
    gap: 2rem;
}

.insight-featured-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    transition: var(--transition-base);
}

.insight-featured-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
}

.insight-image-wrapper {
    position: relative;
    height: 300px;
    overflow: hidden;
}

.insight-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: var(--transition-slow);
}

.insight-featured-card:hover .insight-image {
    transform: scale(1.05);
}

.insight-category-badge {
    position: absolute;
    top: 1.5rem;
    left: 1.5rem;
    background: var(--gradient-gold);
    color: var(--navy-900);
    padding: 0.5rem 1rem;
    border-radius: var(--radius-sm);
    font-size: 0.875rem;
    font-weight: 600;
}

.insight-content {
    padding: 2rem;
}

.insight-meta {
    display: flex;
    gap: 1.5rem;
    margin-bottom: 1rem;
    font-size: 0.875rem;
    color: var(--gray-500);
}

.insight-content h3 {
    font-size: 1.75rem;
    margin-bottom: 1rem;
}

.insight-content p {
    color: var(--gray-700);
    margin-bottom: 1.5rem;
}

.insight-read-more {
    font-weight: 600;
    color: var(--gold-600);
}

.insight-card-compact {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 2rem;
    box-shadow: var(--shadow-sm);
    transition: var(--transition-base);
}

.insight-card-compact:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.insight-category-tag {
    display: inline-block;
    background: var(--navy-50);
    color: var(--gold-600);
    padding: 0.375rem 0.75rem;
    border-radius: var(--radius-sm);
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 0.75rem;
}

.insight-date-small {
    font-size: 0.875rem;
    color: var(--gray-500);
    margin-bottom: 0.75rem;
}

.insight-card-compact h4 {
    font-size: 1.125rem;
    margin-bottom: 0.75rem;
}

.insight-card-compact p {
    font-size: 0.95rem;
    color: var(--gray-700);
    margin-bottom: 1rem;
}

.insight-link-small {
    font-weight: 600;
    color: var(--gold-600);
    font-size: 0.95rem;
}

@media (max-width: 968px) {
    .insights-header {
        flex-direction: column;
        align-items: start;
        gap: 2rem;
    }
    
    .insights-featured-grid {
        grid-template-columns: 1fr;
    }
}

/* CTA PREMIUM */
.cta-premium {
    background: var(--gradient-gold);
    padding: var(--spacing-3xl) 0;
}

.cta-content-premium {
    text-align: center;
    max-width: 700px;
    margin: 0 auto;
}

.cta-content-premium h2 {
    color: var(--navy-900);
    margin-bottom: 1rem;
}

.cta-content-premium p {
    color: var(--navy-900);
    font-size: 1.125rem;
    margin-bottom: 2rem;
}

.cta-note {
    font-size: 0.875rem;
    margin-top: 1rem;
    opacity: 0.8;
}

/* FOOTER */
.premium-footer {
    background: var(--navy-900);
    color: var(--white);
    padding: var(--spacing-3xl) 0 var(--spacing-lg);
}

.footer-main {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 3rem;
    margin-bottom: 3rem;
}

.footer-brand-col svg {
    margin-bottom: 1rem;
}

.footer-tagline {
    color: var(--gold-500);
    font-style: italic;
    margin-bottom: 1.5rem;
}

.footer-contact-info p {
    color: rgba(255,255,255,0.7);
    font-size: 0.95rem;
    margin-bottom: 0.5rem;
}

.footer-contact-info a {
    color: rgba(255,255,255,0.7);
}

.footer-contact-info a:hover {
    color: var(--gold-500);
}

.footer-links-col h4 {
    color: var(--gold-500);
    font-size: 1rem;
    margin-bottom: 1rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.footer-links-col ul {
    list-style: none;
}

.footer-links-col li {
    margin-bottom: 0.75rem;
}

.footer-links-col a {
    color: rgba(255,255,255,0.7);
    font-size: 0.95rem;
    transition: var(--transition-fast);
}

.footer-links-col a:hover {
    color: var(--gold-500);
    padding-left: 5px;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 2rem;
    text-align: center;
}

.footer-bottom p {
    color: rgba(255,255,255,0.6);
    font-size: 0.875rem;
    margin-bottom: 0.5rem;
}

.footer-disclaimer {
    font-size: 0.8rem !important;
}

.footer-disclaimer a {
    color: var(--gold-500);
    text-decoration: underline;
}

@media (max-width: 968px) {
    .footer-main {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
}

/* UTILITY CLASSES */
.text-center {
    text-align: center;
}

/* ANIMATIONS */
@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.fade-in {
    animation: fadeIn 0.6s ease-out forwards;
}

/* ============================================================================
   INSIGHTS PAGE STYLES
   ============================================================================ */

/* Featured Insight */
.featured-insight-section {
    padding: var(--spacing-3xl) 0;
    background: var(--navy-50);
}

.featured-insight-card {
    background: var(--white);
    padding: 3rem;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
    max-width: 900px;
    margin: 0 auto;
}

.featured-badge {
    display: inline-block;
    padding: 0.5rem 1rem;
    background: var(--gradient-gold);
    color: var(--navy-900);
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    border-radius: var(--radius-md);
    margin-bottom: 1rem;
}

.insight-category,
.article-category {
    display: inline-block;
    padding: 0.35rem 0.75rem;
    background: rgba(189, 168, 153, 0.15);
    color: var(--gold-600);
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    border-radius: var(--radius-sm);
    margin-bottom: 1rem;
}

.featured-title {
    font-size: 2rem;
    margin-bottom: 1.5rem;
    color: var(--navy-900);
}

.featured-excerpt {
    font-size: 1.125rem;
    line-height: 1.7;
    color: var(--gray-700);
    margin-bottom: 2rem;
}

.featured-meta {
    display: flex;
    gap: 2rem;
    margin-bottom: 2rem;
    flex-wrap: wrap;
}

.meta-item {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.875rem;
    color: var(--gray-500);
}

.meta-item .material-symbols-outlined {
    font-size: 18px;
}

/* Categories Grid */
.categories-section {
    padding: var(--spacing-3xl) 0;
    background: var(--white);
}

.categories-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.category-card {
    background: var(--navy-50);
    padding: 2rem;
    border-radius: var(--radius-lg);
    text-align: center;
    transition: var(--transition-base);
}

.category-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.category-icon {
    width: 70px;
    height: 70px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: var(--radius-md);
    margin: 0 auto 1.5rem;
}

.category-icon span {
    font-size: 32px;
    color: var(--white);
}

.category-title {
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
    color: var(--navy-900);
}

.category-description {
    color: var(--gray-700);
    line-height: 1.6;
    margin-bottom: 1rem;
}

.category-link {
    color: var(--gold-600);
    font-weight: 600;
    font-size: 0.95rem;
}

/* Insights List */
.insights-list-section {
    padding: var(--spacing-3xl) 0;
    background: var(--white);
}

.filter-tabs {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
}

.filter-btn {
    padding: 0.75rem 1.5rem;
    background: var(--white);
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-md);
    color: var(--navy-900);
    font-weight: 500;
    cursor: pointer;
    transition: var(--transition-fast);
}

.filter-btn:hover {
    border-color: var(--gold-600);
    color: var(--gold-600);
}

.filter-btn.active {
    background: var(--gradient-gold);
    border-color: var(--gold-600);
    color: var(--navy-900);
}

.insights-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.insight-article-card {
    background: var(--navy-50);
    padding: 2rem;
    border-radius: var(--radius-lg);
    transition: var(--transition-base);
}

.insight-article-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.article-title {
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
    color: var(--navy-900);
}

.article-excerpt {
    color: var(--gray-700);
    line-height: 1.7;
    margin-bottom: 1rem;
}

.article-meta {
    display: flex;
    gap: 1.5rem;
    font-size: 0.875rem;
    color: var(--gray-500);
    margin-bottom: 1rem;
}

.article-link {
    color: var(--gold-600);
    font-weight: 600;
    font-size: 0.95rem;
}

/* Newsletter */
.newsletter-section {
    padding: var(--spacing-3xl) 0;
    background: var(--navy-50);
}

.newsletter-card {
    background: var(--white);
    padding: 3rem;
    border-radius: var(--radius-xl);
    text-align: center;
    max-width: 700px;
    margin: 0 auto;
    box-shadow: var(--shadow-md);
}

.newsletter-icon {
    width: 80px;
    height: 80px;
    background: var(--gradient-gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
}

.newsletter-icon span {
    font-size: 40px;
    color: var(--navy-900);
}

.newsletter-title {
    font-size: 1.75rem;
    margin-bottom: 1rem;
    color: var(--navy-900);
}

.newsletter-description {
    color: var(--gray-700);
    margin-bottom: 2rem;
}

.newsletter-form {
    display: flex;
    gap: 1rem;
    max-width: 500px;
    margin: 0 auto 1rem;
}

.newsletter-input {
    flex: 1;
    padding: 1rem;
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-md);
    font-size: 1rem;
}

.newsletter-btn {
    padding: 1rem 2rem;
    background: var(--gradient-gold);
    color: var(--navy-900);
    border: none;
    border-radius: var(--radius-md);
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition-base);
}

.newsletter-btn:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-gold);
}

.newsletter-note {
    font-size: 0.875rem;
    color: var(--gray-500);
}

@media (max-width: 968px) {
    .categories-grid {
        grid-template-columns: 1fr;
    }
    
    .insights-grid {
        grid-template-columns: 1fr;
    }
    
    .newsletter-form {
        flex-direction: column;
    }
}

/* ============================================================================
   CONTACT PAGE STYLES
   ============================================================================ */

.contact-form-section {
    padding: var(--spacing-3xl) 0;
    background: var(--white);
}

.contact-layout {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 4rem;
}

.form-column {
    background: var(--navy-50);
    padding: 3rem;
    border-radius: var(--radius-xl);
}

.form-heading {
    font-size: 1.75rem;
    margin-bottom: 1rem;
    color: var(--navy-900);
}

.form-description {
    color: var(--gray-700);
    margin-bottom: 2rem;
}

.contact-form .form-row {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-group label {
    display: block;
    font-weight: 500;
    margin-bottom: 0.5rem;
    color: var(--navy-900);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 0.875rem;
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-md);
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    transition: var(--transition-fast);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--gold-600);
    box-shadow: 0 0 0 3px rgba(189, 168, 153, 0.1);
}

.checkbox-group {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.checkbox-label {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    cursor: pointer;
}

.checkbox-label input[type="checkbox"] {
    width: auto;
}

.checkbox-single {
    margin-top: 1rem;
}

.form-note {
    font-size: 0.875rem;
    color: var(--gray-500);
    margin-top: 1rem;
    font-style: italic;
}

/* Info Column */
.info-column {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.contact-info-card {
    background: var(--navy-50);
    padding: 1.5rem;
    border-radius: var(--radius-lg);
}

.info-card-title {
    font-size: 1.125rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
    color: var(--navy-900);
}

.info-card-text {
    color: var(--gray-700);
    line-height: 1.7;
    display: flex;
    align-items: flex-start;
    gap: 0.5rem;
}

.info-card-text .material-symbols-outlined {
    color: var(--gold-600);
    font-size: 20px;
    margin-top: 0.25rem;
}

.info-card-text a {
    color: var(--gold-600);
    font-weight: 500;
}

.discretion-note,
.response-time {
    background: rgba(189, 168, 153, 0.1);
    padding: 1.5rem;
    border-radius: var(--radius-lg);
    border-left: 4px solid var(--gold-600);
}

.note-icon,
.response-icon {
    width: 50px;
    height: 50px;
    background: var(--gradient-gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1rem;
}

.note-icon span,
.response-icon span {
    font-size: 24px;
    color: var(--navy-900);
}

.note-title {
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 0.5rem;
    color: var(--navy-900);
}

.note-text {
    font-size: 0.95rem;
    color: var(--gray-700);
    line-height: 1.6;
}

/* Expectations Section */
.expectations-section {
    padding: var(--spacing-3xl) 0;
    background: var(--navy-50);
}

.expectations-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.expectation-item {
    text-align: center;
}

.expectation-number {
    width: 60px;
    height: 60px;
    background: var(--gradient-gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy-900);
    margin: 0 auto 1rem;
}

.expectation-title {
    font-size: 1.125rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
    color: var(--navy-900);
}

.expectation-description {
    color: var(--gray-700);
    line-height: 1.6;
    font-size: 0.95rem;
}

@media (max-width: 968px) {
    .contact-layout {
        grid-template-columns: 1fr;
    }
    
    .expectations-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .contact-form .form-row {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .expectations-grid {
        grid-template-columns: 1fr;
    }
}

/* ============================================================================
   LEGAL PAGE STYLES
   ============================================================================ */

.toc-section {
    padding: var(--spacing-xl) 0;
    background: var(--white);
}

.toc-card {
    background: var(--navy-50);
    padding: 2rem;
    border-radius: var(--radius-lg);
    max-width: 600px;
    margin: 0 auto;
}

.toc-card h3 {
    font-size: 1.25rem;
    margin-bottom: 1rem;
    color: var(--navy-900);
}

.toc-list {
    list-style: none;
    padding: 0;
}

.toc-list li {
    margin-bottom: 0.75rem;
}

.toc-list a {
    color: var(--gold-600);
    font-weight: 500;
    transition: var(--transition-fast);
}

.toc-list a:hover {
    color: var(--navy-900);
}

.legal-section {
    padding: var(--spacing-2xl) 0;
    border-bottom: 1px solid var(--gray-300);
}

.legal-section:last-of-type {
    border-bottom: none;
}

.legal-content {
    max-width: 900px;
    margin: 0 auto;
}

.legal-heading {
    font-size: 2rem;
    margin-bottom: 1rem;
    color: var(--navy-900);
}

.legal-block {
    margin-bottom: 2.5rem;
}

.legal-block h3 {
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: 1rem;
    color: var(--navy-900);
}

.legal-block p {
    color: var(--gray-700);
    line-height: 1.8;
    margin-bottom: 1rem;
}

.legal-block ul {
    list-style-position: inside;
    color: var(--gray-700);
    line-height: 1.8;
    margin-left: 1rem;
}

.legal-block ul li {
    margin-bottom: 0.5rem;
}

.compliance-contact {
    background: var(--navy-50);
    padding: 2rem;
    border-radius: var(--radius-lg);
    margin: 1.5rem 0;
}

.compliance-contact p {
    margin-bottom: 1rem;
}

.update-section {
    padding: var(--spacing-xl) 0;
    background: var(--navy-50);
}

.update-notice {
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
}

.update-notice p {
    color: var(--gray-700);
    margin-bottom: 0.5rem;
}

/* ============================================================================
   CLIENT EXPERIENCE PAGE STYLES
   ============================================================================ */

/* Onboarding Timeline */
.onboarding-section {
    padding: var(--spacing-3xl) 0;
    background: var(--white);
}

.timeline {
    max-width: 900px;
    margin: 3rem auto 0;
    position: relative;
}

.timeline::before {
    content: '';
    position: absolute;
    left: 30px;
    top: 0;
    bottom: 0;
    width: 2px;
    background: var(--gradient-gold);
}

.timeline-item {
    display: flex;
    margin-bottom: 3rem;
    position: relative;
}

.timeline-marker {
    width: 60px;
    height: 60px;
    background: var(--gradient-gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy-900);
    flex-shrink: 0;
    position: relative;
    z-index: 1;
}

.timeline-content {
    margin-left: 2rem;
    flex: 1;
}

.timeline-title {
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
    color: var(--navy-900);
}

.timeline-description {
    color: var(--gray-700);
    line-height: 1.7;
    margin-bottom: 0.75rem;
}

.timeline-meta {
    font-size: 0.875rem;
    color: var(--gray-500);
    font-style: italic;
}

/* Service Standards Grid */
.standards-section {
    padding: var(--spacing-3xl) 0;
    background: var(--navy-50);
}

.standards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.standard-card {
    background: var(--white);
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    text-align: center;
    transition: var(--transition-base);
}

.standard-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.standard-icon {
    width: 70px;
    height: 70px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: var(--radius-md);
    margin: 0 auto 1.5rem;
}

.standard-icon span {
    font-size: 32px;
    color: var(--white);
}

.standard-title {
    font-size: 1.125rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
    color: var(--navy-900);
}

.standard-description {
    color: var(--gray-700);
    line-height: 1.6;
    font-size: 0.95rem;
}

/* Reporting Section */
.reporting-section {
    padding: var(--spacing-3xl) 0;
    background: var(--white);
}

/* Communication Philosophy */
.philosophy-comm-section {
    padding: var(--spacing-3xl) 0;
    background: var(--navy-50);
}

.comm-principles {
    margin-top: 3rem;
    text-align: left;
}

.principle-item {
    margin-bottom: 2rem;
    padding-bottom: 2rem;
    border-bottom: 1px solid var(--gray-300);
}

.principle-item:last-child {
    border-bottom: none;
    margin-bottom: 0;
    padding-bottom: 0;
}

.principle-title {
    font-size: 1.125rem;
    font-weight: 600;
    margin-bottom: 0.5rem;
    color: var(--navy-900);
}

.principle-description {
    color: var(--gray-700);
    line-height: 1.7;
}

/* Account Minimums */
.minimums-section {
    padding: var(--spacing-3xl) 0;
    background: var(--white);
}

.minimums-table {
    background: var(--navy-50);
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.minimum-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1.5rem 2rem;
    border-bottom: 1px solid var(--gray-300);
}

.minimum-row:last-child {
    border-bottom: none;
}

.minimum-label {
    font-weight: 500;
    color: var(--navy-900);
}

.minimum-value {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--gold-600);
}

@media (max-width: 968px) {
    .standards-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .timeline::before {
        left: 20px;
    }
    
    .timeline-marker {
        width: 40px;
        height: 40px;
        font-size: 1.125rem;
    }
}

@media (max-width: 768px) {
    .standards-grid {
        grid-template-columns: 1fr;
    }
    
    .minimum-row {
        flex-direction: column;
        align-items: flex-start;
        gap: 0.5rem;
    }
}

/* ============================================================================
   SOLUTIONS PAGE STYLES
   ============================================================================ */

/* Solution Detail Sections */
.solution-detail-section {
    padding: var(--spacing-3xl) 0;
}

.solution-detail-section.bg-navy-light {
    background: var(--navy-50);
}

.solution-number {
    font-size: 4rem;
    font-weight: 700;
    color: var(--gold-600);
    opacity: 0.2;
    line-height: 1;
    margin-bottom: 1.5rem;
}

.subsection-title {
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--navy-900);
    margin: 2rem 0 1rem;
}

.solution-list {
    list-style: none;
    padding-left: 0;
    margin: 1.5rem 0;
}

.solution-list li {
    padding-left: 2rem;
    margin-bottom: 1rem;
    position: relative;
    line-height: 1.7;
    color: var(--gray-700);
}

.solution-list li::before {
    content: "◆";
    position: absolute;
    left: 0;
    color: var(--gold-600);
    font-size: 0.8rem;
}

.featured-badge {
    display: inline-block;
    padding: 0.5rem 1rem;
    background: var(--gradient-gold);
    color: var(--navy-900);
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    border-radius: var(--radius-md);
    margin-top: 1rem;
}

/* Investment Process */
.process-section {
    padding: var(--spacing-3xl) 0;
    background: var(--white);
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 3rem;
    margin-top: 3rem;
}

.process-step {
    text-align: center;
    padding: 2rem;
}

.step-number {
    width: 60px;
    height: 60px;
    background: var(--gradient-gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy-900);
    margin: 0 auto 1.5rem;
}

.step-title {
    font-size: 1.125rem;
    font-weight: 600;
    margin-bottom: 1rem;
    color: var(--navy-900);
}

.step-description {
    color: var(--gray-700);
    line-height: 1.7;
    font-size: 0.95rem;
}

@media (max-width: 968px) {
    .process-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 2rem;
    }
}

@media (max-width: 768px) {
    .process-grid {
        grid-template-columns: 1fr;
    }
    
    .solution-number {
        font-size: 3rem;
    }
}

/* ============================================================================
   ABOUT PAGE STYLES
   ============================================================================ */

/* Inner Hero for About/Other Pages */
.inner-hero {
    min-height: 500px;
    background-size: cover;
    background-position: center;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    position: relative;
    padding: var(--spacing-3xl) var(--spacing-lg);
}

.hero-badge {
    display: inline-block;
    padding: 0.5rem 1.5rem;
    background: rgba(189, 168, 153, 0.15);
    border: 1px solid var(--gold-600);
    border-radius: var(--radius-xl);
    color: var(--gold-600);
    font-size: 0.875rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    margin-bottom: 1.5rem;
}

.hero-title {
    color: var(--white);
    margin-bottom: 1.5rem;
    text-shadow: 0 4px 16px rgba(0,0,0,0.3);
}

.hero-subtitle {
    color: rgba(255,255,255,0.9);
    font-size: 1.25rem;
    line-height: 1.6;
    max-width: 800px;
    margin: 0 auto;
}

/* Content Sections */
.content-section {
    padding: var(--spacing-3xl) 0;
}

.content-container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--spacing-lg);
}

.section-heading {
    font-size: clamp(2rem, 4vw, 3rem);
    margin-bottom: 1rem;
}

.large-text {
    font-size: 1.25rem;
    line-height: 1.7;
    font-weight: 500;
    margin-bottom: 1.5rem;
    color: var(--navy-800);
}

/* Two Column Layout */
.two-column-layout {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 4rem;
    align-items: start;
}

.two-column-layout.reverse {
    grid-template-columns: 2fr 1fr;
}

.column-left,
.column-right {
    animation: fadeIn 0.8s ease-out forwards;
}

.column-right p {
    margin-bottom: 1.5rem;
    line-height: 1.8;
    color: var(--gray-700);
}

/* Gold Accent Bar */
.gold-accent-bar {
    width: 80px;
    height: 4px;
    background: var(--gradient-gold);
    margin-top: 1rem;
    border-radius: 2px;
}

.gold-accent-bar.center {
    margin-left: auto;
    margin-right: auto;
}

/* Philosophy Section */
.philosophy-section {
    padding: var(--spacing-3xl) 0;
    background: var(--navy-50);
}

.section-header {
    margin-bottom: var(--spacing-2xl);
}

.section-title {
    font-size: clamp(2rem, 4vw, 3rem);
    margin-bottom: 1rem;
    color: var(--navy-900);
}

.section-description {
    font-size: 1.125rem;
    color: var(--gray-700);
    max-width: 700px;
    margin: 0 auto;
}

.three-column-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.card-number {
    font-size: 3rem;
    font-weight: 700;
    color: var(--gold-600);
    opacity: 0.3;
    line-height: 1;
    margin-bottom: 1rem;
}

.card-icon-box {
    width: 70px;
    height: 70px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: var(--radius-lg);
    margin-bottom: 1.5rem;
}

.card-icon-box span {
    font-size: 32px;
    color: var(--white);
}

.card-title {
    font-size: 1.5rem;
    margin-bottom: 1rem;
    color: var(--navy-900);
}

.card-description {
    color: var(--gray-700);
    line-height: 1.7;
    margin-bottom: 1rem;
}

/* Vision Section */
.vision-section {
    padding: var(--spacing-3xl) 0;
    background: var(--white);
}

.centered-content {
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
}

.centered-content.narrow {
    max-width: 800px;
}

.vision-statement {
    font-size: 1.5rem;
    font-weight: 600;
    color: var(--navy-900);
    line-height: 1.6;
    margin: 2rem 0;
}

.vision-details {
    text-align: left;
    margin-top: 2rem;
}

.vision-details p {
    margin-bottom: 1.5rem;
    line-height: 1.8;
    color: var(--gray-700);
}

/* Governance Section */
.governance-section {
    padding: var(--spacing-3xl) 0;
    background: var(--navy-900);
    color: var(--white);
}

.governance-section .section-title,
.governance-section .section-description {
    color: var(--white);
}

.four-column-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
}

.info-card {
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius-lg);
    padding: 2rem;
    transition: var(--transition-base);
}

.info-card:hover {
    background: rgba(255,255,255,0.08);
    border-color: var(--gold-600);
    transform: translateY(-5px);
}

.info-icon {
    width: 60px;
    height: 60px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: var(--radius-md);
    margin-bottom: 1.5rem;
}

.info-icon span {
    font-size: 28px;
    color: var(--white);
}

.info-title {
    font-size: 1.125rem;
    font-weight: 600;
    margin-bottom: 1rem;
    color: var(--white);
}

.info-text {
    color: rgba(255,255,255,0.8);
    line-height: 1.7;
    font-size: 0.95rem;
}

/* Values Section */
.values-section {
    padding: var(--spacing-3xl) 0;
    background: var(--white);
}

.quote-card {
    background: var(--navy-50);
    border-radius: var(--radius-xl);
    padding: 3rem;
    position: relative;
}

.quote-icon {
    margin-bottom: 2rem;
}

.quote-text {
    font-size: 1.5rem;
    font-style: italic;
    line-height: 1.6;
    color: var(--navy-900);
    margin-bottom: 1.5rem;
}

.quote-author {
    display: block;
    font-size: 1rem;
    font-weight: 600;
    color: var(--gold-600);
    font-style: normal;
}

.values-list {
    margin-top: 2rem;
}

.value-item {
    margin-bottom: 2rem;
    padding-bottom: 2rem;
    border-bottom: 1px solid var(--gray-300);
}

.value-item:last-child {
    border-bottom: none;
    margin-bottom: 0;
    padding-bottom: 0;
}

.value-title {
    font-size: 1.125rem;
    font-weight: 600;
    margin-bottom: 0.5rem;
    color: var(--navy-900);
}

.value-description {
    color: var(--gray-700);
    line-height: 1.7;
}

/* Team Section */
.team-section {
    padding: var(--spacing-3xl) 0;
    background: var(--navy-50);
}

/* CTA Section */
.cta-section {
    padding: var(--spacing-3xl) 0;
}

.cta-section.gold-gradient-bg {
    background: var(--gradient-gold);
}

.cta-content {
    max-width: 700px;
    margin: 0 auto;
}

.cta-title {
    color: var(--navy-900);
    margin-bottom: 1rem;
}

.cta-description {
    font-size: 1.125rem;
    color: var(--navy-900);
    margin-bottom: 2rem;
}

.cta-note {
    font-size: 0.875rem;
    color: var(--navy-800);
    margin-top: 1rem;
    opacity: 0.8;
}

/* Footer Styles */
.main-footer {
    background: var(--navy-900);
    color: var(--white);
    padding: var(--spacing-3xl) 0 var(--spacing-lg);
}

.footer-container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--spacing-lg);
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 3rem;
    margin-bottom: 3rem;
}

.footer-column.brand {
    max-width: 350px;
}

.footer-logo {
    margin-bottom: 1rem;
}

.footer-tagline {
    color: var(--gold-500);
    font-style: italic;
    font-size: 1rem;
    margin-bottom: 0.75rem;
}

.footer-description {
    color: rgba(255,255,255,0.7);
    font-size: 0.95rem;
    line-height: 1.6;
}

.footer-title {
    color: var(--gold-500);
    font-size: 0.95rem;
    margin-bottom: 1rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    font-weight: 600;
}

.footer-links {
    list-style: none;
}

.footer-links li {
    margin-bottom: 0.75rem;
}

.footer-links a {
    color: rgba(255,255,255,0.7);
    font-size: 0.95rem;
    transition: var(--transition-fast);
    text-decoration: none;
}

.footer-links a:hover {
    color: var(--gold-500);
    padding-left: 5px;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 2rem;
}

.footer-legal {
    text-align: center;
}

.footer-legal p {
    color: rgba(255,255,255,0.6);
    font-size: 0.875rem;
    margin-bottom: 0.5rem;
}

.footer-disclaimer {
    font-size: 0.8rem !important;
    line-height: 1.6;
    max-width: 900px;
    margin: 1rem auto 0;
}

/* RESPONSIVE */
@media (max-width: 968px) {
    .two-column-layout,
    .two-column-layout.reverse {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    
    .three-column-grid {
        grid-template-columns: 1fr;
    }
    
    .four-column-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    
    .footer-column.brand {
        max-width: 100%;
    }
}

@media (max-width: 768px) {
    .hero-stats {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
    
    .solutions-cards-grid {
        grid-template-columns: 1fr;
    }
    
    .segments-grid {
        grid-template-columns: 1fr;
    }
    
    .four-column-grid {
        grid-template-columns: 1fr;
    }
    
    .inner-hero {
        min-height: 400px;
        padding: var(--spacing-2xl) var(--spacing-md);
    }
    
    .quote-card {
        padding: 2rem;
    }
    
    .quote-text {
        font-size: 1.25rem;
    }
}