/* ============================================================
   TIMES ZONES — Design System  (Brand Book v1.1, 06/2026)
   Palette: Navy 60% · White/Mist 30% · Gold ≤10% (accent only)
   Type: Lato (single family) — Bold headings · Regular body
   ============================================================ */

:root{
  /* Brand palette — exact hex from Brand Book */
  --navy:#233879;          /* Times Navy (primary)  */
  --navy-deep:#1A2A5C;     /* Deep Navy             */
  --gold:#C8A24A;          /* Heritage Gold (accent)*/
  --gold-soft:#dcbd72;
  --gold-deep:#a8842f;
  --steel:#4E6BB0;         /* Steel Blue            */
  --mist:#EEF1F7;          /* Mist (light bg)       */
  --slate:#5C6678;         /* Slate (muted text)    */

  --ink:#1A2238;
  --white:#ffffff;
  --line:rgba(35,56,121,.12);
  --line-soft:rgba(35,56,121,.07);
  --shadow:0 18px 50px -22px rgba(26,42,92,.45);
  --shadow-sm:0 8px 24px -14px rgba(26,42,92,.40);
  --radius:14px;
  --radius-lg:20px;
  --maxw:1200px;
  --header-h:74px;
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:var(--header-h)}
body{
  font-family:'Lato',system-ui,-apple-system,'Segoe UI',sans-serif;
  color:var(--ink);background:var(--white);line-height:1.7;
  -webkit-font-smoothing:antialiased;font-size:16px;
}
h1,h2,h3,h4{font-family:'Lato',sans-serif;font-weight:900;line-height:1.12;color:var(--navy);letter-spacing:-.01em}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
ul{list-style:none}

/* ---------- Layout ---------- */
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
section{padding:clamp(60px,8vw,108px) 0}
.sec-head{max-width:760px;margin-bottom:clamp(34px,5vw,56px)}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.eyebrow{
  display:inline-flex;align-items:center;gap:10px;font-size:12px;font-weight:800;
  letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:16px;
}
.eyebrow::before{content:"";width:26px;height:3px;background:var(--gold);border-radius:2px}
h2.title{font-size:clamp(28px,4.4vw,46px)}
.lead{font-size:clamp(15.5px,2vw,18.5px);color:var(--slate);margin-top:16px}
.center .lead{margin-left:auto;margin-right:auto}
.muted{color:var(--slate)}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:9px;font-weight:700;font-size:14.5px;
  padding:13px 26px;border-radius:11px;transition:.22s ease;cursor:pointer;
  border:1.5px solid transparent;white-space:nowrap;
}
.btn svg{width:17px;height:17px}
.btn-gold{background:var(--gold);color:var(--navy-deep)}
.btn-gold:hover{background:var(--gold-soft);transform:translateY(-2px);box-shadow:0 12px 26px -12px rgba(200,162,74,.7)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep);transform:translateY(-2px)}
.btn-ghost{border-color:rgba(255,255,255,.35);color:#fff}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}
.btn-out{border-color:var(--line);color:var(--navy)}
.btn-out:hover{border-color:var(--gold);color:var(--gold-deep)}

/* ---------- Header ---------- */
header.site{
  position:fixed;inset:0 0 auto 0;z-index:60;height:var(--header-h);
  background:rgba(255,255,255,.9);backdrop-filter:saturate(160%) blur(14px);
  border-bottom:1px solid var(--line-soft);transition:.3s;
}
header.site.scrolled{box-shadow:var(--shadow-sm)}
.nav{display:flex;align-items:center;gap:28px;height:var(--header-h)}
.brand{display:flex;align-items:center;gap:11px;font-weight:900;color:var(--navy);font-size:18px;letter-spacing:.02em}
.brand-mark{height:40px;width:auto;flex:none;display:block}
.fbrand .brand-mark{height:42px}
.brand small{display:block;font-size:9px;font-weight:700;letter-spacing:.16em;color:var(--gold-deep);margin-top:1px;white-space:nowrap}
.nav-links{display:flex;align-items:center;gap:18px;margin-left:auto}
.nav-links a{font-size:14px;font-weight:600;color:var(--ink);opacity:.82;transition:.2s;position:relative;white-space:nowrap}
.nav-links a:hover{opacity:1;color:var(--navy)}
.nav-links a.active{color:var(--navy);opacity:1}
.nav-right{display:flex;align-items:center;gap:14px}
.langs{display:flex;gap:2px;border:1px solid var(--line);border-radius:9px;padding:3px}
.langs button{font-size:11px;font-weight:800;letter-spacing:.04em;padding:5px 8px;border-radius:6px;color:var(--slate);background:none;border:none;cursor:pointer;text-transform:uppercase}
.langs button.on{background:var(--navy);color:#fff}
.burger{display:none;width:42px;height:42px;border:1px solid var(--line);border-radius:10px;background:#fff;cursor:pointer;flex-direction:column;gap:4px;align-items:center;justify-content:center}
.burger span{width:18px;height:2px;background:var(--navy);border-radius:2px;transition:.25s}

/* mobile drawer */
.drawer{position:fixed;inset:var(--header-h) 0 0 0;background:rgba(255,255,255,.98);backdrop-filter:blur(10px);z-index:55;transform:translateX(100%);transition:.32s ease;padding:26px 24px;display:flex;flex-direction:column;gap:6px;overflow:auto}
.drawer.open{transform:translateX(0)}
.drawer a{font-size:18px;font-weight:700;color:var(--navy);padding:14px 4px;border-bottom:1px solid var(--line-soft)}

/* ---------- Hero ---------- */
.hero{
  position:relative;min-height:clamp(560px,92vh,820px);display:flex;align-items:center;
  color:#fff;overflow:hidden;padding-top:var(--header-h);
  background:linear-gradient(150deg,var(--navy-deep) 0%,var(--navy) 55%,#4E6BB0 100%);
}
.hero::after{
  content:"";position:absolute;inset:0;opacity:.16;mix-blend-mode:overlay;
  background:
    radial-gradient(circle at 78% 24%,rgba(200,162,74,.6),transparent 42%),
    radial-gradient(circle at 12% 88%,rgba(78,107,176,.7),transparent 46%);
}
.hero .diamond{position:absolute;right:-60px;top:50%;transform:translateY(-50%) rotate(45deg);width:min(46vw,560px);height:min(46vw,560px);border:2px solid rgba(200,162,74,.22);border-radius:48px;pointer-events:none}
.hero .diamond::before{content:"";position:absolute;inset:46px;border:1px solid rgba(255,255,255,.10);border-radius:36px}
.hero .wrap{position:relative;z-index:2}
.hero-inner{max-width:720px}
.hero-mark{height:74px;width:auto;margin-bottom:22px;opacity:.96;filter:drop-shadow(0 6px 18px rgba(0,0,0,.25))}
.badge{display:inline-flex;align-items:center;gap:8px;font-size:12.5px;font-weight:700;letter-spacing:.04em;padding:8px 16px;border-radius:100px;background:rgba(255,255,255,.1);border:1px solid rgba(200,162,74,.45);color:#fff;margin-bottom:24px}
.badge::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--gold)}
.hero h1{color:#fff;font-size:clamp(44px,8vw,86px);line-height:.98;letter-spacing:-.02em}
.hero .tag{font-size:clamp(15px,2.4vw,19px);font-weight:700;color:var(--gold-soft);letter-spacing:.16em;text-transform:uppercase;margin-top:20px}
.hero .sub{font-size:clamp(15.5px,2.1vw,18px);color:rgba(255,255,255,.88);margin-top:20px;max-width:560px}
.hero .cta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px}

/* stats strip under hero */
.stats{background:var(--navy-deep);color:#fff;position:relative;z-index:3;padding:0}
.stats .grid{display:grid;grid-template-columns:repeat(4,1fr)}
.stats .item{padding:30px 24px;text-align:center;border-right:1px solid rgba(255,255,255,.08)}
.stats .item:last-child{border-right:none}
.stats .n{font-size:clamp(30px,5vw,46px);font-weight:900;color:#fff;line-height:1}
.stats .n b{color:var(--gold)}
.stats .k{font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-soft);margin-top:10px}
.stats .d{font-size:13px;color:rgba(255,255,255,.62);margin-top:5px}

/* ---------- Sub-page hero ---------- */
.page-hero{
  position:relative;color:#fff;padding:calc(var(--header-h) + 56px) 0 60px;overflow:hidden;
  background:linear-gradient(150deg,var(--navy-deep),var(--navy) 70%,#4E6BB0);
}
.page-hero::after{content:"";position:absolute;right:-80px;top:50%;transform:translateY(-50%) rotate(45deg);width:340px;height:340px;border:2px solid rgba(200,162,74,.18);border-radius:40px;pointer-events:none}
.page-hero .wrap{position:relative;z-index:2}
.page-hero .crumb{font-size:13px;color:rgba(255,255,255,.65);margin-bottom:16px}
.page-hero .crumb a{color:var(--gold-soft)}
.page-hero h1{color:#fff;font-size:clamp(32px,5.5vw,56px);line-height:1.04;max-width:760px}
.page-hero p{color:rgba(255,255,255,.85);max-width:620px;margin-top:18px;font-size:clamp(15px,2vw,17.5px)}
.page-hero .chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}
.page-hero .chip{font-size:12.5px;font-weight:700;padding:7px 14px;border-radius:100px;background:rgba(255,255,255,.1);border:1px solid rgba(200,162,74,.4)}

/* feature list (checks) */
.flist{display:grid;grid-template-columns:1fr 1fr;gap:14px 28px}
.flist li{display:flex;gap:12px;align-items:flex-start;font-size:15px;color:var(--ink)}
.flist li::before{content:"";flex:none;width:22px;height:22px;border-radius:50%;background:var(--navy);margin-top:2px;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23C8A24A' stroke-width='3'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E");
  background-size:14px;background-position:center;background-repeat:no-repeat}

/* gallery */
.gallery{display:grid;grid-template-columns:2fr 1fr 1fr;grid-auto-rows:170px;gap:14px}
.gallery .g{border-radius:14px;background-size:cover;background-position:center;background-color:var(--mist);position:relative;overflow:hidden}
.gallery .g.big{grid-row:span 2}
.gallery .cap{position:absolute;left:0;right:0;bottom:0;padding:14px 16px;color:#fff;font-size:13px;font-weight:600;background:linear-gradient(transparent,rgba(26,42,92,.85))}

/* spec / type cards */
.tcard{border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:#fff;display:flex;flex-direction:column;transition:.25s}
.tcard:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:transparent}
.tcard .no{font-size:13px;font-weight:900;color:var(--gold-deep);letter-spacing:.1em}
.tcard h3{font-size:20px;margin:6px 0 12px}
.tcard .price{font-size:26px;font-weight:900;color:var(--navy);margin-top:auto;padding-top:16px}
.tcard .price small{font-size:13px;font-weight:600;color:var(--slate)}
.tcard.hot{border:2px solid var(--gold);position:relative}
.tcard.hot .tag{position:absolute;top:-12px;left:24px;background:var(--gold);color:var(--navy-deep);font-size:11px;font-weight:800;padding:4px 12px;border-radius:100px;letter-spacing:.04em}

/* split feature row */
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.split .visual{border-radius:var(--radius-lg);min-height:340px;background-size:cover;background-position:center;background:linear-gradient(135deg,var(--navy),var(--steel))}

/* ---------- Cards / grids ---------- */
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:.25s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.card .ic{width:54px;height:54px;border-radius:13px;display:grid;place-items:center;background:var(--mist);color:var(--navy);margin-bottom:18px}
.card .ic svg{width:26px;height:26px}
.card h3{font-size:19px;margin-bottom:9px}
.card p{font-size:14.5px;color:var(--slate)}

/* model cards (3 pillars) */
.model{position:relative;border-radius:var(--radius-lg);overflow:hidden;min-height:330px;display:flex;flex-direction:column;justify-content:flex-end;padding:30px;color:#fff;border:1px solid var(--line)}
.model.feature{color:#fff}
.model .mbg{position:absolute;inset:0;z-index:0;background-size:cover;background-position:center;transition:.4s}
.model:hover .mbg{transform:scale(1.06)}
.model .scrim{position:absolute;inset:0;z-index:1;background:linear-gradient(180deg,rgba(26,42,92,.15) 0%,rgba(26,42,92,.92) 100%)}
.model > *{position:relative;z-index:2}
.model .mic{width:50px;height:50px;border-radius:12px;display:grid;place-items:center;background:var(--gold);color:var(--navy-deep);margin-bottom:auto}
.model .mic svg{width:25px;height:25px}
.model h3{color:#fff;font-size:22px;margin:18px 0 8px}
.model p{font-size:14px;color:rgba(255,255,255,.85)}
.model .more{margin-top:16px;font-weight:800;font-size:13px;letter-spacing:.06em;color:var(--gold-soft);display:inline-flex;gap:7px;align-items:center}

/* mission / vision */
.mv{background:var(--mist)}
.mv .grid-2{gap:24px}
.mv .panel{background:#fff;border-radius:var(--radius-lg);padding:38px;border-top:4px solid var(--gold)}
.mv .panel h3{font-size:15px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:16px}
.mv .panel p{font-size:16px;color:var(--ink);line-height:1.8}

/* pricing teaser */
.price-band{background:linear-gradient(150deg,var(--navy-deep),var(--navy))}
.price-band .sec-head .eyebrow{color:var(--gold-soft)}
.price-band h2.title,.price-band .lead{color:#fff}
.price-band .lead{opacity:.85}
.ptable{background:#fff;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow)}
.ptable .row{display:grid;grid-template-columns:2.2fr 1fr 1fr;gap:10px;padding:16px 26px;border-bottom:1px solid var(--line-soft);align-items:center}
.ptable .row.head{background:var(--mist);font-weight:800;color:var(--navy);font-size:13px;letter-spacing:.04em;text-transform:uppercase}
.ptable .row:last-child{border-bottom:none}
.ptable .nm{font-weight:700;color:var(--ink)}
.ptable .nm small{display:block;font-weight:400;color:var(--slate);font-size:12.5px}
.ptable .pr{text-align:right;font-weight:800;color:var(--navy)}
.ptable .pr span{font-weight:400;font-size:11px;color:var(--slate);display:block}
.price-note{color:rgba(255,255,255,.7);font-size:13px;margin-top:18px;text-align:center}

/* locations */
.loc{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.loc .item{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff;transition:.25s}
.loc .item:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.loc .ph{height:200px;background:linear-gradient(135deg,var(--navy),var(--steel));position:relative;background-size:cover;background-position:center}
.loc .ph .pin{position:absolute;left:20px;bottom:16px;background:var(--gold);color:var(--navy-deep);font-weight:800;font-size:12px;padding:6px 13px;border-radius:8px}
.loc .body{padding:24px 26px}
.loc .body h3{font-size:20px;margin-bottom:6px}
.loc .body .addr{font-size:14.5px;color:var(--slate)}

/* partners */
.partners-wrap{background:var(--mist)}
.plogos{display:flex;flex-wrap:wrap;gap:16px;justify-content:center;margin-top:10px}
.plogo{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 26px;font-weight:800;color:var(--navy);font-size:15px;display:flex;align-items:center;gap:10px;min-width:180px;justify-content:center}
.plogo small{display:block;font-weight:600;font-size:11px;color:var(--slate);letter-spacing:.02em}

/* CTA band */
.cta-band{background:linear-gradient(150deg,var(--navy),var(--navy-deep));color:#fff;text-align:center;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;left:50%;top:50%;transform:translate(-50%,-50%) rotate(45deg);width:520px;height:520px;border:2px solid rgba(200,162,74,.14);border-radius:60px}
.cta-band .wrap{position:relative;z-index:2}
.cta-band h2{color:#fff;font-size:clamp(28px,4.4vw,44px)}
.cta-band p{color:rgba(255,255,255,.85);max-width:560px;margin:16px auto 30px;font-size:17px}
.cta-band .cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ---------- News ---------- */
.news-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.narticle{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:.25s;display:flex;flex-direction:column}
.narticle:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:transparent}
.narticle .thumb{height:180px;background-size:cover;background-position:center;background:linear-gradient(135deg,var(--navy),var(--steel));position:relative}
.narticle .cat{position:absolute;left:14px;top:14px;background:var(--gold);color:var(--navy-deep);font-size:11px;font-weight:800;padding:5px 12px;border-radius:100px}
.narticle .body{padding:22px;display:flex;flex-direction:column;flex:1}
.narticle .date{font-size:12px;color:var(--slate);font-weight:700;letter-spacing:.04em}
.narticle h3{font-size:18px;margin:8px 0 10px;line-height:1.3}
.narticle p{font-size:14px;color:var(--slate);flex:1}
.narticle .read{margin-top:14px;font-weight:800;font-size:13px;color:var(--gold-deep)}
.empty{text-align:center;padding:60px 20px;border:1.5px dashed var(--line);border-radius:var(--radius);color:var(--slate)}
.newsletter{background:var(--mist);border-radius:var(--radius-lg);padding:38px;display:flex;gap:22px;align-items:center;flex-wrap:wrap;justify-content:space-between}
.newsletter form{display:flex;gap:10px;flex-wrap:wrap}
.newsletter input{padding:13px 16px;border:1px solid var(--line);border-radius:10px;font-family:inherit;font-size:15px;min-width:240px}

/* ---------- Forms ---------- */
.field{display:flex;flex-direction:column;gap:7px}
.field label{font-size:13px;font-weight:700;color:var(--navy)}
.field input,.field select,.field textarea{padding:13px 15px;border:1px solid var(--line);border-radius:10px;font-family:inherit;font-size:15px;background:#fff;transition:.2s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(200,162,74,.15)}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:34px;box-shadow:var(--shadow)}
.form-ok{display:none;background:#e9f7ed;border:1px solid #b7e3c4;color:#1d7a3d;border-radius:12px;padding:16px 18px;font-size:14.5px;margin-bottom:16px}
.steps{display:flex;gap:8px;margin-bottom:24px}
.steps .s{flex:1;height:5px;border-radius:3px;background:var(--line)}
.steps .s.on{background:var(--gold)}
.contact-info .ci{display:flex;gap:14px;align-items:flex-start;margin-bottom:20px}
.contact-info .ci .ic{flex:none;width:44px;height:44px;border-radius:11px;background:var(--mist);display:grid;place-items:center;color:var(--navy)}
.contact-info .ci .ic svg{width:20px;height:20px}
.contact-info .ci b{display:block;color:var(--navy);font-size:15px}
.contact-info .ci span{font-size:14px;color:var(--slate)}

/* ---------- Team / people ---------- */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.person{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;text-align:center;transition:.25s}
.person:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:transparent}
.person .av{width:84px;height:84px;border-radius:50%;margin:0 auto 16px;display:grid;place-items:center;font-size:28px;font-weight:900;color:#fff;background:linear-gradient(150deg,var(--navy),var(--steel));letter-spacing:.02em}
.person h3{font-size:18px;margin-bottom:4px}
.person .role{font-size:13px;font-weight:700;color:var(--gold-deep);letter-spacing:.02em}
.person .bio{font-size:13.5px;color:var(--slate);margin-top:10px}

/* org chart (simple) */
.org{display:flex;flex-direction:column;align-items:center;gap:0}
.org .lvl{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;position:relative;padding:14px 0}
.org .box{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 20px;text-align:center;min-width:150px}
.org .box.top{background:var(--navy);color:#fff;border-color:transparent}
.org .box.top small{color:var(--gold-soft)}
.org .box b{display:block;font-size:14.5px;color:var(--navy)}
.org .box.top b{color:#fff}
.org .box small{display:block;font-size:12px;color:var(--slate);margin-top:2px}
.org .connector{width:2px;height:22px;background:var(--line)}

/* ---------- Pricing controls (interactive) ---------- */
.pcontrols{display:flex;flex-wrap:wrap;gap:18px;justify-content:center;margin-bottom:34px}
.seg{display:inline-flex;background:var(--mist);border:1px solid var(--line);border-radius:12px;padding:4px}
.seg button{border:none;background:none;font-family:inherit;font-size:14px;font-weight:700;color:var(--slate);padding:9px 18px;border-radius:9px;cursor:pointer;transition:.2s;white-space:nowrap}
.seg button.on{background:var(--navy);color:#fff;box-shadow:var(--shadow-sm)}
.seg .lbl{font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--slate);align-self:center;padding:0 10px 0 4px}
.bigtable{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow);font-size:14.5px}
.bigtable th{background:var(--navy);color:#fff;text-align:left;padding:15px 18px;font-size:13px;letter-spacing:.03em;font-weight:700}
.bigtable th.r,.bigtable td.r{text-align:right}
.bigtable td{padding:15px 18px;border-bottom:1px solid var(--line-soft);vertical-align:top}
.bigtable tr:last-child td{border-bottom:none}
.bigtable .nm b{color:var(--navy);font-weight:700}
.bigtable .nm small{display:block;color:var(--slate);font-size:12.5px;font-weight:400;margin-top:2px}
.bigtable .price{font-weight:900;color:var(--navy);white-space:nowrap}
.bigtable .was{color:var(--slate);text-decoration:line-through;font-weight:400;font-size:12.5px;display:block}
.bigtable tbody tr:hover{background:var(--mist)}
.tablecard{margin-top:22px;overflow-x:auto}
.note-box{background:var(--mist);border-left:4px solid var(--gold);border-radius:0 12px 12px 0;padding:20px 24px;font-size:14px;color:var(--slate);margin-top:26px}
.note-box b{color:var(--navy)}

/* ---------- Why / advantages ---------- */
.why{position:relative}
.why .card{border:none;background:var(--mist);text-align:left}
.why .card .ic{background:#fff}
.why .num{font-size:13px;font-weight:900;color:var(--gold-deep);letter-spacing:.1em;margin-bottom:6px}

/* ---------- Process (how to join) ---------- */
.process{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:step}
.pstep{position:relative;padding:30px 24px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);transition:.25s}
.pstep:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:transparent}
.pstep .pn{width:46px;height:46px;border-radius:12px;background:linear-gradient(150deg,var(--navy),var(--navy-deep));color:var(--gold);display:grid;place-items:center;font-weight:900;font-size:18px;margin-bottom:16px}
.pstep h3{font-size:17px;margin-bottom:8px}
.pstep p{font-size:14px;color:var(--slate)}
.pstep:not(:last-child)::after{content:"";position:absolute;top:52px;right:-14px;width:28px;height:2px;background:var(--line);z-index:1}

/* ---------- FAQ accordion ---------- */
.faq{max-width:820px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden;transition:.2s}
.faq details[open]{border-color:var(--gold);box-shadow:var(--shadow-sm)}
.faq summary{list-style:none;cursor:pointer;padding:18px 22px;font-weight:700;color:var(--navy);font-size:16px;display:flex;justify-content:space-between;align-items:center;gap:14px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:22px;font-weight:400;color:var(--gold-deep);flex:none;transition:.2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .ans{padding:0 22px 20px;color:var(--slate);font-size:14.5px;line-height:1.75}

@media(max-width:980px){ .process{grid-template-columns:repeat(2,1fr)} .pstep:not(:last-child)::after{display:none} }
@media(max-width:600px){ .process{grid-template-columns:1fr} }

/* ---------- Timeline (roadmap) ---------- */
.timeline{position:relative;max-width:780px;margin:0 auto;padding-left:34px}
.timeline::before{content:"";position:absolute;left:9px;top:6px;bottom:6px;width:2px;background:var(--line)}
.tl-item{position:relative;padding:0 0 30px 0}
.tl-item:last-child{padding-bottom:0}
.tl-item::before{content:"";position:absolute;left:-34px;top:2px;width:20px;height:20px;border-radius:50%;background:#fff;border:3px solid var(--gold)}
.tl-item.done::before{background:var(--gold)}
.tl-item .yr{font-size:13px;font-weight:900;color:var(--gold-deep);letter-spacing:.06em}
.tl-item h3{font-size:17px;color:var(--navy);margin:4px 0 6px}
.tl-item p{font-size:14px;color:var(--slate)}

/* investor stat band */
.istat{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;text-align:center}
.istat .v{font-size:clamp(30px,4vw,42px);font-weight:900;color:var(--navy)}
.istat .v b{color:var(--gold-deep)}
.istat .l{font-size:14px;color:var(--slate);margin-top:6px}

/* ---------- Trust / testimonials ---------- */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;position:relative}
.quote::before{content:"\201C";position:absolute;top:8px;left:20px;font-size:64px;color:var(--gold);opacity:.25;font-family:Georgia,serif;line-height:1}
.quote p{font-size:15px;color:var(--ink);line-height:1.7;position:relative;z-index:1}
.quote .who{display:flex;align-items:center;gap:12px;margin-top:18px}
.quote .who .av{width:42px;height:42px;border-radius:50%;background:linear-gradient(150deg,var(--navy),var(--steel));color:#fff;display:grid;place-items:center;font-weight:900;font-size:15px;flex:none}
.quote .who b{display:block;font-size:14px;color:var(--navy)}
.quote .who span{font-size:12.5px;color:var(--slate)}
.badges{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:8px}
.badge-pill{display:flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);border-radius:100px;padding:11px 20px;font-weight:700;font-size:13.5px;color:var(--navy)}
.badge-pill svg{width:18px;height:18px;color:var(--gold-deep);flex:none}

/* ---------- Calculator ---------- */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow);padding:30px;max-width:920px;margin:0 auto}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.calc .field label{font-size:13px;font-weight:700;color:var(--navy);display:block;margin-bottom:7px}
.calc select,.calc input{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;font-family:inherit;font-size:15px;background:#fff}
.calc-out{margin-top:24px;background:var(--navy);color:#fff;border-radius:14px;padding:24px 28px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.calc-out .big{font-size:clamp(26px,4vw,38px);font-weight:900;color:#fff;line-height:1}
.calc-out .big small{font-size:14px;font-weight:600;color:var(--gold-soft)}
.calc-out .save{font-size:13.5px;color:var(--gold-soft);font-weight:700;margin-top:4px}
@media(max-width:760px){ .istat,.quotes{grid-template-columns:1fr} .calc-row{grid-template-columns:1fr} .calc-out{flex-direction:column;align-items:flex-start} }

/* ---------- Downloads ---------- */
.dl-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.dl{display:flex;gap:16px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;transition:.22s}
.dl:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:transparent}
.dl .di{flex:none;width:46px;height:46px;border-radius:11px;background:var(--mist);color:var(--gold-deep);display:grid;place-items:center}
.dl .di svg{width:24px;height:24px}
.dl b{display:block;color:var(--navy);font-size:15px;line-height:1.3}
.dl span{font-size:12.5px;color:var(--slate)}
@media(max-width:880px){ .dl-grid{grid-template-columns:1fr 1fr} }
@media(max-width:560px){ .dl-grid{grid-template-columns:1fr} }

/* ---------- Article / prose ---------- */
.prose{max-width:760px;margin:0 auto}
.prose h2{font-size:clamp(22px,3vw,30px);color:var(--navy);margin:38px 0 14px}
.prose h3{font-size:19px;color:var(--navy);margin:26px 0 10px}
.prose p{font-size:16.5px;color:var(--ink);line-height:1.85;margin-bottom:16px}
.prose ul.bullets{margin:0 0 18px 0}
.prose ul.bullets li{position:relative;padding-left:26px;margin-bottom:10px;font-size:16px;color:var(--ink);line-height:1.7}
.prose ul.bullets li::before{content:"";position:absolute;left:0;top:9px;width:8px;height:8px;border-radius:50%;background:var(--gold)}
.prose ol.steps-list{counter-reset:s;margin:0 0 18px 0}
.prose ol.steps-list li{position:relative;padding-left:42px;margin-bottom:14px;font-size:16px;line-height:1.7;list-style:none}
.prose ol.steps-list li::before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:28px;height:28px;border-radius:8px;background:var(--navy);color:var(--gold);font-weight:900;font-size:14px;display:grid;place-items:center}
.prose .callout{background:var(--mist);border-left:4px solid var(--gold);border-radius:0 12px 12px 0;padding:20px 24px;margin:24px 0;font-size:15.5px;color:var(--ink)}
.prose .callout b{color:var(--navy)}
.guide-meta{font-size:13px;color:var(--slate);font-weight:700;letter-spacing:.04em;margin-bottom:8px}

/* ---------- Footer ---------- */
footer.site{background:var(--navy-deep);color:rgba(255,255,255,.72);padding:64px 0 30px}
footer.site .cols{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:40px}
footer.site h4{color:#fff;font-size:14px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:18px}
footer.site a{color:rgba(255,255,255,.72);font-size:14px;line-height:2.1;transition:.2s}
footer.site a:hover{color:var(--gold)}
footer.site .fbrand{display:flex;align-items:center;gap:11px;color:#fff;font-weight:900;font-size:20px;margin-bottom:16px}
footer.site .fdesc{font-size:14px;line-height:1.8;max-width:320px}
footer.site .legal{font-size:13px;line-height:1.9;color:rgba(255,255,255,.6)}
footer.site .legal b{color:#fff;font-weight:700}
footer.site .bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:46px;padding-top:24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px}

/* floating quick contact */
.quickbar{position:fixed;right:18px;bottom:18px;z-index:50;display:flex;flex-direction:column;gap:10px}
.quickbar a{width:50px;height:50px;border-radius:50%;display:grid;place-items:center;color:#fff;box-shadow:var(--shadow);transition:.2s}
.quickbar a:hover{transform:scale(1.08)}
.quickbar .zalo{background:#0068ff}
.quickbar .call{background:var(--gold);color:var(--navy-deep)}
.quickbar svg{width:24px;height:24px}

.reveal{opacity:0;transform:translateY(22px);transition:.7s cubic-bezier(.2,.7,.3,1)}
.reveal.in{opacity:1;transform:none}

/* ---------- Responsive ---------- */
@media(max-width:980px){
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:1fr}
  .stats .grid{grid-template-columns:repeat(2,1fr)}
  .stats .item:nth-child(2){border-right:none}
  footer.site .cols{grid-template-columns:1fr 1fr}
}
@media(max-width:1120px){ .brand small{display:none} .nav-links{gap:15px} }
@media(max-width:1040px){
  .nav-links{display:none}
  .burger{display:flex}
}
@media(max-width:760px){
  .burger{display:flex}
  .grid-2,.grid-4,.loc{grid-template-columns:1fr}
  .ptable .row{grid-template-columns:1.6fr 1fr;font-size:13px}
  .ptable .row .pr.dn{display:none}
  .ptable .row.head .pr.dn{display:none}
  .hero .diamond{opacity:.4}
  footer.site .cols{grid-template-columns:1fr}
  .stats .grid{grid-template-columns:1fr 1fr}
}