/* =====================================================================
   SDP & Associates — design system (navy + gold)
   ===================================================================== */
:root{
  --navy-950:#060d1f; --navy-900:#0a1428; --navy-800:#10203f; --navy-700:#182c52; --navy-100:#e8edf6;
  --gold:#c9a227; --gold-light:#e3c565; --gold-soft:rgba(201,162,39,.14);
  --ink:#1a2333; --muted:#5b6779; --bg:#ffffff; --bg-alt:#f6f8fb; --line:#e3e8f0;
  --font-serif:'Playfair Display',Georgia,'Times New Roman',serif;
  --font-sans:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
  --fs-h1:clamp(2.2rem,4.6vw,3.6rem); --fs-h2:clamp(1.7rem,3vw,2.5rem); --fs-h3:1.25rem;
  --sp-section:clamp(4rem,9vw,7rem); --maxw:1200px; --r:14px;
  --sh-md:0 6px 24px rgba(10,20,40,.08); --sh-lg:0 18px 48px rgba(10,20,40,.16);
  --t:.25s ease;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font-sans);color:var(--ink);background:var(--bg);line-height:1.65;font-size:1.02rem;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{text-decoration:none;color:inherit}
ul{list-style:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
section{padding:var(--sp-section) 0}
h1,h2,h3,.serif{font-family:var(--font-serif);font-weight:600;line-height:1.18}
h2{font-size:var(--fs-h2);margin:.85rem 0 1rem;color:var(--navy-900)}
.lede{color:var(--muted);max-width:62ch;font-size:1.06rem}
.eyebrow{display:inline-flex;align-items:center;gap:.6rem;font-size:.78rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--gold)}
.eyebrow::before{content:"";width:34px;height:1px;background:var(--gold)}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--gold);color:var(--navy-950);padding:.6rem 1rem;z-index:100;font-weight:700}
.skip-link:focus{left:8px;top:8px}

/* ---- Buttons ---- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;font-weight:600;font-size:.95rem;padding:.95rem 1.9rem;border-radius:6px;transition:transform var(--t),box-shadow var(--t),background var(--t);cursor:pointer;border:0;min-height:48px}
.btn-gold{background:linear-gradient(135deg,var(--gold) 0%,var(--gold-light) 100%);color:var(--navy-950);box-shadow:0 8px 24px rgba(201,162,39,.35)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 12px 32px rgba(201,162,39,.45)}
.btn-ghost{border:1px solid rgba(255,255,255,.35);color:#fff;background:transparent}
.btn-ghost:hover{background:rgba(255,255,255,.08)}
.btn-navy{background:var(--navy-900);color:#fff}
.btn-navy:hover{background:var(--navy-700)}
.btn .arr{transition:transform var(--t)}
.btn:hover .arr{transform:translateX(4px)}

/* ---- Top bar ---- */
.topbar{background:var(--navy-950);color:#9fb0cc;font-size:.82rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:40px;gap:1rem}
.topbar a{color:#cdd8ea}
.topbar a:hover{color:var(--gold-light)}
.topbar .cities{display:flex;gap:1.2rem}
.topbar .cities span{display:inline-flex;align-items:center;gap:.35rem}
.topbar .dot{width:4px;height:4px;border-radius:50%;background:var(--gold)}
@media(max-width:760px){.topbar .contactline{display:none}}

/* ---- Header / nav ---- */
.site-header{position:sticky;top:0;z-index:60;background:rgba(10,20,40,.92);backdrop-filter:blur(14px);border-bottom:1px solid rgba(255,255,255,.08);transition:box-shadow var(--t)}
.site-header.scrolled{box-shadow:0 14px 34px rgba(6,13,31,.35)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:1.5rem}
.brand{display:flex;align-items:center;gap:.85rem;color:#fff}
.brand-mark{width:46px;height:46px;border:1.5px solid var(--gold);border-radius:4px;display:grid;place-items:center;font-family:var(--font-serif);font-size:1.05rem;color:var(--gold-light);background:linear-gradient(160deg,rgba(201,162,39,.16),transparent);flex:none}
.brand-name{font-family:var(--font-serif);font-size:1.22rem;letter-spacing:.02em;line-height:1.1;display:block}
.brand-sub{font-size:.66rem;letter-spacing:.3em;text-transform:uppercase;color:#8fa1c0;margin-top:.2rem;display:block}
.nav{display:flex;gap:1.6rem;font-size:.92rem;font-weight:500;align-items:center}
.nav > a, .nav-dd-btn{color:#c9d4e8;padding:.4rem 0;border-bottom:2px solid transparent;transition:color var(--t),border-color var(--t);background:none;border-top:0;border-left:0;border-right:0;font:inherit;cursor:pointer;display:inline-flex;align-items:center;gap:.3rem}
.nav > a:hover,.nav > a[aria-current],.nav-dd-btn:hover,.nav-dd.is-active .nav-dd-btn{color:#fff;border-bottom-color:var(--gold)}
.nav-dd{position:relative}
.nav-dd-menu{position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%) translateY(8px);background:var(--navy-900);border:1px solid rgba(255,255,255,.1);border-top:2px solid var(--gold);border-radius:0 0 10px 10px;min-width:280px;padding:.6rem 0;opacity:0;visibility:hidden;transition:opacity var(--t),transform var(--t);box-shadow:var(--sh-lg)}
.nav-dd:hover .nav-dd-menu,.nav-dd:focus-within .nav-dd-menu,.nav-dd.open .nav-dd-menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.nav-dd-menu a{display:block;padding:.6rem 1.3rem;color:#c9d4e8;font-size:.9rem}
.nav-dd-menu a:hover{background:rgba(201,162,39,.1);color:var(--gold-light)}
.header-cta{white-space:nowrap;padding:.7rem 1.35rem;font-size:.88rem;min-height:42px}
@media(max-width:1020px){.nav{display:none}}
@media(max-width:760px){.header-cta{display:none}}
.burger{display:none;background:none;border:1px solid rgba(255,255,255,.25);border-radius:6px;padding:.5rem .6rem;color:#fff;cursor:pointer;font-size:1rem}
@media(max-width:1020px){.burger{display:block}}
/* mobile nav open state */
@media(max-width:1020px){
  .site-header{position:sticky}
  .nav.open{display:flex;position:absolute;top:100%;left:0;right:0;height:calc(100vh - 118px);background:var(--navy-950);flex-direction:column;align-items:flex-start;padding:1.6rem 24px;gap:.4rem;z-index:59;overflow:auto;border-top:1px solid rgba(255,255,255,.08)}
  .nav.open > a,.nav.open .nav-dd-btn{font-size:1.15rem;padding:.7rem 0;width:100%}
  .nav.open .nav-dd{width:100%}
  .nav.open .nav-dd-menu{position:static;transform:none;opacity:1;visibility:visible;background:var(--navy-900);border-radius:10px;margin-top:.4rem;display:none}
  .nav.open .nav-dd.open .nav-dd-menu{display:block}
}

/* ---- Page hero (inner pages) ---- */
.page-hero{background:radial-gradient(900px 420px at 80% -20%,#1c3260 0%,transparent 60%),linear-gradient(165deg,var(--navy-900) 0%,var(--navy-950) 70%);color:#fff;padding:clamp(3.5rem,7vw,5.5rem) 0;position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:56px 56px;mask-image:linear-gradient(to bottom,rgba(0,0,0,.9),transparent 85%)}
.page-hero .wrap{position:relative}
.page-hero h1{font-size:var(--fs-h1);margin:1rem 0 .9rem}
.page-hero h1 em{font-style:normal;color:var(--gold-light)}
.page-hero .sub{color:#aebadc;font-size:1.1rem;max-width:60ch}
.crumbs{font-size:.82rem;color:#8fa1c0;display:flex;gap:.5rem;flex-wrap:wrap;margin-bottom:.4rem}
.crumbs a{color:#c9d4e8}
.crumbs a:hover{color:var(--gold-light)}
.crumbs .sep{color:#54648a}

/* ---- Home hero ---- */
.hero{position:relative;background:radial-gradient(1200px 600px at 78% -10%,#1c3260 0%,transparent 60%),linear-gradient(165deg,var(--navy-900) 0%,var(--navy-950) 70%);color:#fff;overflow:hidden;padding:clamp(4.5rem,9vw,7.5rem) 0 0}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:56px 56px;mask-image:linear-gradient(to bottom,rgba(0,0,0,.9),transparent 75%)}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:3.5rem;align-items:center;padding-bottom:clamp(4rem,8vw,6.5rem)}
@media(max-width:920px){.hero .wrap{grid-template-columns:1fr}}
.hero h1{font-size:var(--fs-h1);font-weight:600;letter-spacing:-.01em;margin:1.1rem 0 1.3rem}
.hero h1 em{font-style:normal;color:var(--gold-light)}
.hero p.sub{color:#aebadc;font-size:1.12rem;max-width:56ch;margin-bottom:2.2rem}
.hero-ctas{display:flex;gap:1rem;flex-wrap:wrap;margin-bottom:2.6rem}
.hero-trust{display:flex;gap:2.4rem;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.12);padding-top:1.6rem}
.hero-trust .item b{display:block;font-family:var(--font-serif);font-size:1.6rem;color:var(--gold-light)}
.hero-trust .item span{font-size:.8rem;color:#8fa1c0;letter-spacing:.06em;text-transform:uppercase}
.hero-visual{position:relative}
.hv-card{background:linear-gradient(160deg,rgba(255,255,255,.09),rgba(255,255,255,.03));border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:2rem;backdrop-filter:blur(6px);box-shadow:var(--sh-lg)}
.hv-card h3{font-size:1.05rem;color:#fff;margin-bottom:1.2rem;display:flex;align-items:center;gap:.6rem}
.hv-card h3 svg{color:var(--gold-light)}
.hv-row{display:flex;justify-content:space-between;align-items:center;padding:.85rem 0;border-bottom:1px solid rgba(255,255,255,.09);font-size:.92rem;color:#c9d4e8}
.hv-row:last-child{border-bottom:0}
.hv-row .tick{color:var(--gold-light)}
.hv-badge{position:absolute;top:-22px;right:-10px;background:var(--gold);color:var(--navy-950);font-weight:700;font-size:.78rem;letter-spacing:.08em;padding:.55rem 1rem;border-radius:6px;box-shadow:0 10px 24px rgba(201,162,39,.4);text-transform:uppercase}
@media(max-width:920px){.hv-badge{right:6px}}

/* ---- Sector strip ---- */
.strip{background:var(--navy-950);border-top:1px solid rgba(255,255,255,.07);padding:1.4rem 0}
.strip .wrap{display:flex;justify-content:space-between;align-items:center;gap:1.5rem;flex-wrap:wrap;color:#7e90b0;font-size:.86rem;letter-spacing:.12em;text-transform:uppercase}
.strip b{color:#c9d4e8;font-weight:600}
@media(max-width:760px){.strip .wrap{justify-content:center;text-align:center}}

/* ---- Firm intro ---- */
.firm .wrap{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}
@media(max-width:920px){.firm .wrap{grid-template-columns:1fr}}
.firm-quote{font-family:var(--font-serif);font-size:clamp(1.3rem,2.2vw,1.7rem);line-height:1.5;color:var(--navy-900);border-left:3px solid var(--gold);padding-left:1.6rem;margin:1.6rem 0}
.firm-points{display:grid;gap:1.4rem;margin-top:.5rem}
.fp{display:flex;gap:1.1rem;align-items:flex-start;background:var(--bg);border:1px solid var(--line);border-radius:var(--r);padding:1.35rem 1.5rem;box-shadow:var(--sh-md)}
.fp .ic{flex:0 0 46px;height:46px;border-radius:10px;background:var(--gold-soft);display:grid;place-items:center;color:var(--gold)}
.fp b{display:block;font-size:1.02rem;color:var(--navy-900);margin-bottom:.2rem}
.fp p{font-size:.92rem;color:var(--muted)}

/* ---- Services grid ---- */
.services{background:var(--bg-alt)}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.6rem;margin-top:2.8rem}
@media(max-width:980px){.svc-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.svc-grid{grid-template-columns:1fr}}
.svc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:2rem 1.8rem;transition:transform var(--t),box-shadow var(--t),border-color var(--t);position:relative;overflow:hidden;display:block}
.svc::after{content:"";position:absolute;left:0;bottom:0;height:3px;width:0;background:linear-gradient(90deg,var(--gold),var(--gold-light));transition:width .35s ease}
.svc:hover{transform:translateY(-6px);box-shadow:var(--sh-lg);border-color:transparent}
.svc:hover::after{width:100%}
.svc .ic{width:52px;height:52px;border-radius:12px;background:var(--navy-900);display:grid;place-items:center;color:var(--gold-light);margin-bottom:1.3rem}
.svc h3{font-size:var(--fs-h3);color:var(--navy-900);margin-bottom:.6rem}
.svc p{font-size:.93rem;color:var(--muted);margin-bottom:1.2rem}
.svc .more{font-size:.88rem;font-weight:600;color:var(--navy-900);display:inline-flex;gap:.4rem;align-items:center}
.svc:hover .more{color:var(--gold)}

/* ---- Dark band ---- */
.credit{background:linear-gradient(150deg,var(--navy-900),var(--navy-950));color:#fff;position:relative;overflow:hidden}
.credit::before{content:"";position:absolute;right:-140px;top:-140px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(201,162,39,.16),transparent 65%)}
.credit .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:4rem;align-items:center;position:relative}
@media(max-width:920px){.credit .wrap{grid-template-columns:1fr}}
.credit h2{color:#fff}
.credit p{color:#aebadc}
.credit-stats{display:grid;grid-template-columns:1fr 1fr;gap:1.3rem;margin-top:1rem}
@media(max-width:520px){.credit-stats{grid-template-columns:1fr}}
.cs{border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:1.5rem;background:rgba(255,255,255,.04)}
.cs b{display:block;font-family:var(--font-serif);font-size:1.7rem;color:var(--gold-light);margin-bottom:.25rem}
.cs span{font-size:.85rem;color:#8fa1c0}

/* ---- Steps ---- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.6rem;margin-top:2.8rem;counter-reset:step}
@media(max-width:980px){.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}
.step{position:relative;padding:2rem 1.6rem 1.8rem;border:1px solid var(--line);border-radius:var(--r);background:#fff;box-shadow:var(--sh-md)}
.step::before{counter-increment:step;content:"0" counter(step);font-family:var(--font-serif);font-size:2.6rem;color:var(--gold-soft);-webkit-text-stroke:1px var(--gold);position:absolute;top:.9rem;right:1.2rem;line-height:1}
.step b{display:block;font-family:var(--font-serif);font-size:1.08rem;color:var(--navy-900);margin-bottom:.5rem}
.step p{font-size:.9rem;color:var(--muted)}

/* ---- Consult card + forms ---- */
.consult{background:var(--bg-alt)}
.consult-card{background:linear-gradient(150deg,var(--navy-900),var(--navy-950));border-radius:calc(var(--r) + 6px);color:#fff;display:grid;grid-template-columns:1.05fr .95fr;overflow:hidden;box-shadow:var(--sh-lg)}
@media(max-width:920px){.consult-card{grid-template-columns:1fr}}
.consult-left{padding:clamp(2.2rem,4vw,3.5rem)}
.consult-left h2{color:#fff}
.consult-left p{color:#aebadc;margin-bottom:1.8rem}
.assure{display:grid;gap:.8rem;font-size:.92rem;color:#c9d4e8}
.assure li{display:flex;gap:.6rem;align-items:flex-start}
.assure .tick{color:var(--gold-light);font-weight:700}
.consult-form{background:#fff;padding:clamp(2.2rem,4vw,3rem);color:var(--ink)}
.consult-form h3{font-size:1.25rem;color:var(--navy-900);margin-bottom:1.4rem}
.field{margin-bottom:1.1rem}
.field label{display:block;font-size:.82rem;font-weight:600;margin-bottom:.35rem;color:var(--navy-800)}
.field input,.field select,.field textarea{width:100%;padding:.8rem .95rem;border:1px solid var(--line);border-radius:8px;font:inherit;font-size:.93rem;background:var(--bg-alt);transition:border-color var(--t)}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold)}
.field:has(:user-invalid) input,.field:has(:user-invalid) textarea{border-color:#c0392b}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
@media(max-width:560px){.form-row{grid-template-columns:1fr}}
.form-note{font-size:.78rem;color:var(--muted);margin-top:.9rem}
.form-alert{padding:1rem 1.2rem;border-radius:8px;font-size:.92rem;margin-bottom:1.2rem}
.form-alert.err{background:#fdecea;color:#8c2318;border:1px solid #f5c6c0}
.form-alert.ok{background:#edf7ee;color:#1e5c2a;border:1px solid #c8e6cc}
/* honeypot — hidden from humans, present for bots */
.hp-wrap{position:absolute!important;left:-9999px!important;top:auto!important;height:1px;overflow:hidden}

/* ---- Offices ---- */
.off-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.6rem;margin-top:2.8rem}
@media(max-width:920px){.off-grid{grid-template-columns:1fr}}
.off{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff;box-shadow:var(--sh-md)}
.off-head{background:var(--navy-900);color:#fff;padding:1.2rem 1.6rem;display:flex;justify-content:space-between;align-items:center}
.off-head b{font-family:var(--font-serif);font-size:1.15rem}
.off-head span{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-light)}
.off-body{padding:1.5rem 1.6rem;font-size:.92rem;color:var(--muted)}
.off-body p{margin-bottom:.6rem}
.off-body a{color:var(--navy-900);font-weight:600}
.off-body a:hover{color:var(--gold)}

/* ---- Content pages (service, about, legal) ---- */
.content-grid{display:grid;grid-template-columns:1fr 340px;gap:3.5rem;align-items:start}
@media(max-width:920px){.content-grid{grid-template-columns:1fr}}
.prose h2{margin-top:2.4rem;font-size:clamp(1.4rem,2.4vw,1.9rem)}
.prose h2:first-child{margin-top:0}
.prose h3{color:var(--navy-900);margin:1.8rem 0 .6rem;font-size:1.15rem}
.prose p{margin-bottom:1.05rem;color:var(--ink)}
.prose ul{list-style:none;margin:0 0 1.2rem;display:grid;gap:.55rem}
.prose ul li{padding-left:1.6rem;position:relative}
.prose ul li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:700}
.sidebar{position:sticky;top:110px;display:grid;gap:1.5rem}
.side-card{border:1px solid var(--line);border-radius:var(--r);padding:1.6rem;background:#fff;box-shadow:var(--sh-md)}
.side-card.navy{background:linear-gradient(150deg,var(--navy-900),var(--navy-950));color:#fff;border:0}
.side-card.navy h3{color:#fff}
.side-card.navy p{color:#aebadc;font-size:.92rem;margin:.6rem 0 1.2rem}
.side-card h3{font-size:1.1rem;color:var(--navy-900)}
.side-list{display:grid;gap:.1rem;margin-top:.8rem}
.side-list a{display:block;padding:.55rem .4rem;border-radius:6px;font-size:.92rem;color:var(--ink);border-left:2px solid transparent}
.side-list a:hover,.side-list a.on{background:var(--gold-soft);border-left-color:var(--gold);color:var(--navy-900)}

/* ---- FAQ ---- */
.faq{margin-top:2.6rem}
.faq details{border:1px solid var(--line);border-radius:10px;background:#fff;margin-bottom:.8rem;overflow:hidden}
.faq summary{cursor:pointer;padding:1.1rem 1.3rem;font-weight:600;color:var(--navy-900);list-style:none;display:flex;justify-content:space-between;gap:1rem;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--font-serif);font-size:1.4rem;color:var(--gold);transition:transform var(--t)}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .faq-a{padding:0 1.3rem 1.2rem;color:var(--muted);font-size:.95rem}

/* ---- Partner cards ---- */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.6rem;margin-top:2.8rem}
@media(max-width:980px){.team-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.team-grid{grid-template-columns:1fr}}
.tm{border:1px solid var(--line);border-radius:var(--r);background:#fff;box-shadow:var(--sh-md);overflow:hidden}
.tm-head{background:linear-gradient(150deg,var(--navy-900),var(--navy-950));padding:2rem 1.7rem;color:#fff;position:relative}
.tm-head::after{content:"";position:absolute;left:1.7rem;bottom:0;width:56px;height:3px;background:var(--gold)}
.tm-avatar{width:74px;height:74px;border-radius:50%;border:2px solid var(--gold);display:grid;place-items:center;font-family:var(--font-serif);font-size:1.6rem;color:var(--gold-light);background:rgba(201,162,39,.12);margin-bottom:1.1rem}
.tm-head b{font-family:var(--font-serif);font-size:1.25rem;display:block}
.tm-head span{font-size:.8rem;color:#8fa1c0}
.tm-body{padding:1.5rem 1.7rem;font-size:.93rem;color:var(--muted)}
.tm-quals{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.08em;color:var(--navy-900);background:var(--gold-soft);border:1px solid var(--gold);border-radius:99px;padding:.2rem .8rem;margin-bottom:.8rem}

/* ---- Careers ---- */
.job{border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:10px;background:#fff;padding:1.6rem 1.8rem;box-shadow:var(--sh-md);margin-bottom:1.2rem;display:grid;grid-template-columns:1fr auto;gap:1rem;align-items:center}
@media(max-width:640px){.job{grid-template-columns:1fr}}
.job b{font-family:var(--font-serif);font-size:1.2rem;color:var(--navy-900);display:block}
.job .meta{font-size:.85rem;color:var(--muted);display:flex;gap:1.2rem;flex-wrap:wrap;margin-top:.3rem}

/* ---- Stat band ---- */
.stat-band{background:var(--navy-950);color:#fff;padding:3rem 0}
.stat-band .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:2rem;text-align:center}
@media(max-width:760px){.stat-band .wrap{grid-template-columns:repeat(2,1fr)}}
.stat-band b{display:block;font-family:var(--font-serif);font-size:2.4rem;color:var(--gold-light)}
.stat-band span{font-size:.8rem;color:#8fa1c0;letter-spacing:.1em;text-transform:uppercase}

/* ---- CTA band ---- */
.cta-band{background:linear-gradient(135deg,var(--gold) 0%,var(--gold-light) 100%);padding:3.5rem 0}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap}
.cta-band h2{color:var(--navy-950);margin:0}
.cta-band p{color:#4a3d0e}

/* ---- Footer ---- */
footer{background:var(--navy-950);color:#8fa1c0;font-size:.9rem}
.foot-main{display:grid;grid-template-columns:2fr 1fr 1.2fr 1.2fr;gap:3rem;padding:4rem 0 3rem}
@media(max-width:920px){.foot-main{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.foot-main{grid-template-columns:1fr}}
.foot-main h4{color:#fff;font-size:.85rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:1.1rem}
.foot-main a{display:block;padding:.28rem 0;color:#8fa1c0}
.foot-main a:hover{color:var(--gold-light)}
.foot-brand p{max-width:34ch;margin-top:1rem}
.foot-bottom{border-top:1px solid rgba(255,255,255,.08);padding:1.4rem 0;display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;font-size:.8rem;color:#61728f}
.foot-bottom a{color:#8fa1c0}
.foot-bottom a:hover{color:var(--gold-light)}
.disclaimer{font-size:.78rem;color:#61728f;padding-bottom:1.5rem;max-width:90ch}

/* ---- Sticky mobile CTA ---- */
.mobile-cta-bar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:70;grid-template-columns:1fr 1fr;box-shadow:0 -6px 20px rgba(10,20,40,.18)}
.mobile-cta-bar a{text-align:center;padding:.95rem;font-weight:700;font-size:.92rem;min-height:52px;display:flex;align-items:center;justify-content:center}
.mobile-cta-bar .call{background:var(--navy-900);color:#fff}
.mobile-cta-bar .consult-btn{background:var(--gold);color:var(--navy-950)}
@media(max-width:760px){.mobile-cta-bar{display:grid}body{padding-bottom:56px}}

/* ---- Reveal on scroll ---- */
@media (prefers-reduced-motion: no-preference){
  .reveal{opacity:0;transform:translateY(24px);transition:opacity .65s ease,transform .65s ease}
  .reveal.in{opacity:1;transform:none}
}