:root {
    --navy: #2c2c2c;
    --navy-deep: #1a1a1a;
    --navy-light: #444444;
    --navy-pale: #666666;
    --gold: #b89a3e;
    --gold-light: #c9ad55;
    --gold-warm: #a68832;
    --gold-dim: rgba(184, 154, 62, 0.15);
    --gold-ultra: rgba(184, 154, 62, 0.06);
    --cream: #fdfcfa;
    --cream-warm: #f9f6f0;
    --cream-dark: #f0ebe1;
    --cream-blush: #f6f1e8;
    --white: #ffffff;
    --text-dark: #2c2c2c;
    --text-body: #4a4540;
    --text-light: #7a7570;
    --text-muted: #a09a92;
    --border: rgba(44, 44, 44, 0.08);
    --border-gold: rgba(184, 154, 62, 0.22);
    --border-strong: rgba(44, 44, 44, 0.12);
    --shadow-sm: 0 1px 3px rgba(44, 44, 44, 0.04);
    --shadow-md: 0 4px 16px rgba(44, 44, 44, 0.06);
    --shadow-lg: 0 8px 32px rgba(44, 44, 44, 0.08);
    --serif: 'Playfair Display', Georgia, serif;
    --sans: 'Raleway', system-ui, sans-serif;
    --mono: 'IBM Plex Mono', monospace;
  }

  *, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
  html { scroll-behavior: smooth; font-size: 16px; }

  body {
    background: var(--cream);
    color: var(--text-dark);
    font-family: var(--sans);
    font-weight: 400;
    line-height: 1.7;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
  }

  /* ====== SCROLLBAR ====== */
  ::-webkit-scrollbar { width: 6px; }
  ::-webkit-scrollbar-track { background: var(--cream); }
  ::-webkit-scrollbar-thumb { background: var(--gold-warm); border-radius: 3px; }

  /* ====== NAV ====== */
  nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: 0.9rem 3rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(24px);
    border-bottom: 1px solid var(--border);
    transition: all 0.4s ease;
  }

  .nav-brand {
    display: flex;
    align-items: center;
    gap: 0.9rem;
    text-decoration: none;
  }

  .nav-logo-img {
    height: 44px;
    width: auto;
    object-fit: contain;
  }

  .nav-links {
    display: flex;
    gap: 2.2rem;
    list-style: none;
    align-items: center;
  }

  .nav-links a {
    color: var(--text-light);
    text-decoration: none;
    font-size: 0.72rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    font-weight: 500;
    transition: color 0.3s;
    position: relative;
  }

  .nav-links a::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 1px;
    background: var(--gold);
    transition: width 0.4s ease;
  }

  .nav-links a:hover { color: var(--navy); }
  .nav-links a:hover::after { width: 100%; }

  .nav-cta {
    padding: 0.5rem 1.5rem !important;
    background: var(--text-dark) !important;
    color: var(--white) !important;
    font-size: 0.68rem !important;
    letter-spacing: 0.14em !important;
    transition: all 0.3s !important;
    border: none;
  }

  .nav-cta::after { display: none !important; }
  .nav-cta:hover { background: var(--gold-warm) !important; color: var(--white) !important; }

  /* ====== HERO ====== */
  .hero {
    min-height: 100vh;
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: 8rem 3rem 5rem;
    position: relative;
    overflow: hidden;
    background: linear-gradient(170deg, var(--cream) 0%, var(--cream-warm) 40%, var(--cream-blush) 100%);
  }

  .hero-pattern {
    position: absolute;
    inset: 0;
    opacity: 0.02;
    background-image: 
      linear-gradient(45deg, #b89a3e 25%, transparent 25%),
      linear-gradient(-45deg, #b89a3e 25%, transparent 25%),
      linear-gradient(45deg, transparent 75%, #b89a3e 75%),
      linear-gradient(-45deg, transparent 75%, #b89a3e 75%);
    background-size: 60px 60px;
    background-position: 0 0, 0 30px, 30px -30px, -30px 0px;
    pointer-events: none;
  }

  .hero::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--border-gold), transparent);
  }

  .hero-inner {
    max-width: 1200px;
    margin: 0 auto;
    width: 100%;
    position: relative;
    z-index: 1;
  }

  .hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    padding: 0.4rem 1.2rem;
    border: 1px solid var(--border-gold);
    background: var(--gold-ultra);
    margin-bottom: 2.5rem;
    opacity: 0;
    animation: fadeUp 0.8s 0.2s forwards;
  }

  .hero-badge-dot {
    width: 5px;
    height: 5px;
    background: var(--gold);
    border-radius: 50%;
  }

  .hero-badge-text {
    font-family: var(--mono);
    font-size: 0.62rem;
    letter-spacing: 0.25em;
    text-transform: uppercase;
    color: var(--gold-warm);
    font-weight: 500;
  }

  .hero-title {
    font-family: var(--serif);
    font-size: clamp(2.6rem, 5.5vw, 5.5rem);
    font-weight: 400;
    line-height: 1.1;
    max-width: 900px;
    color: var(--navy);
    opacity: 0;
    animation: fadeUp 0.9s 0.4s forwards;
  }

  .hero-title em {
    font-style: italic;
    color: var(--gold-warm);
  }

  .hero-sub {
    font-size: 1.05rem;
    font-weight: 300;
    max-width: 600px;
    color: var(--text-body);
    margin-top: 2rem;
    line-height: 1.85;
    opacity: 0;
    animation: fadeUp 0.9s 0.6s forwards;
  }

  .hero-association {
    display: inline-flex;
    align-items: center;
    gap: 0.8rem;
    margin-top: 2rem;
    padding: 0.6rem 0;
    opacity: 0;
    animation: fadeUp 0.9s 0.7s forwards;
  }

  .hero-association-line {
    width: 2rem;
    height: 1px;
    background: var(--gold);
  }

  .hero-association-text {
    font-family: var(--mono);
    font-size: 0.65rem;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--text-light);
  }

  .hero-association-text strong {
    color: var(--navy);
    font-weight: 600;
  }

  .hero-meta {
    display: flex;
    gap: 3rem;
    margin-top: 3.5rem;
    padding-top: 2.5rem;
    border-top: 1px solid var(--border-strong);
    opacity: 0;
    animation: fadeUp 0.9s 0.85s forwards;
  }

  .hero-meta-item { display: flex; flex-direction: column; }

  .hero-meta-label {
    font-family: var(--mono);
    font-size: 0.58rem;
    letter-spacing: 0.25em;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 0.35rem;
  }

  .hero-meta-value {
    font-family: var(--serif);
    font-size: 1.25rem;
    font-weight: 500;
    color: var(--navy);
  }

  /* ====== SECTION COMMON ====== */
  section { padding: 6rem 3rem; position: relative; }

  .section-inner { max-width: 1100px; margin: 0 auto; }

  .section-label {
    font-family: var(--mono);
    font-size: 0.6rem;
    letter-spacing: 0.3em;
    text-transform: uppercase;
    color: var(--gold-warm);
    margin-bottom: 1.2rem;
    display: flex;
    align-items: center;
    gap: 0.8rem;
    font-weight: 500;
  }

  .section-label::before {
    content: '';
    width: 1.8rem;
    height: 1px;
    background: var(--gold);
  }

  .section-title {
    font-family: var(--serif);
    font-size: clamp(1.8rem, 3.5vw, 2.8rem);
    font-weight: 400;
    line-height: 1.2;
    max-width: 650px;
    color: var(--navy);
    margin-bottom: 1.2rem;
  }

  .section-title em { font-style: italic; color: var(--gold-warm); }

  .section-desc {
    font-size: 0.95rem;
    color: var(--text-body);
    max-width: 600px;
    line-height: 1.85;
    margin-bottom: 3rem;
    font-weight: 300;
  }

  /* ====== WHO WE ARE ====== */
  .who-we-are {
    background: var(--cream-blush);
    color: var(--text-dark);
    padding: 6rem 3rem;
    position: relative;
    overflow: hidden;
  }

  .who-we-are::before {
    content: '';
    position: absolute;
    top: -30%;
    right: -15%;
    width: 50vw;
    height: 50vw;
    background: radial-gradient(ellipse, rgba(184, 154, 62, 0.05) 0%, transparent 60%);
    pointer-events: none;
  }

  .who-we-are .section-label { color: var(--gold-warm); }
  .who-we-are .section-label::before { background: var(--gold-warm); }
  .who-we-are .section-title { color: var(--text-dark); }
  .who-we-are .section-title em { color: var(--gold-warm); }

  .who-intro {
    font-size: 1.05rem;
    color: var(--text-body);
    max-width: 700px;
    line-height: 1.9;
    font-weight: 300;
    margin-bottom: 3.5rem;
  }

  .about-entity {
    padding: 2rem 2.5rem;
    background: var(--white);
    border: 1px solid var(--border);
    margin-bottom: 2.5rem;
    position: relative;
  }

  .about-entity::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 3px;
    height: 100%;
    background: var(--gold);
  }

  .about-entity h4 {
    font-family: var(--serif);
    font-size: 1.15rem;
    font-weight: 500;
    color: var(--text-dark);
    margin-bottom: 0.8rem;
  }

  .about-entity p {
    font-size: 0.9rem;
    color: var(--text-body);
    line-height: 1.8;
    font-weight: 300;
    margin-bottom: 0.6rem;
  }

  .about-entity p:last-child { margin-bottom: 0; }

  .name-disclaimer {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    padding: 0.5rem 1.2rem;
    background: var(--gold-ultra);
    border: 1px solid var(--border-gold);
    margin-top: 1rem;
  }

  .name-disclaimer p {
    font-family: var(--mono);
    font-size: 0.7rem;
    color: var(--text-muted);
    letter-spacing: 0.02em;
    margin: 0 !important;
    line-height: 1.5;
  }

  .pillars-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.2rem;
    margin-bottom: 2.5rem;
  }

  .pillar {
    padding: 2rem;
    background: var(--white);
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
    transition: all 0.4s;
    position: relative;
  }

  .pillar:hover { border-color: var(--border-gold); box-shadow: var(--shadow-md); }

  .pillar-num {
    font-family: var(--serif);
    font-size: 2.2rem;
    font-weight: 400;
    color: var(--gold);
    opacity: 0.6;
    margin-bottom: 0.6rem;
    line-height: 1;
  }

  .pillar h4 {
    font-family: var(--serif);
    font-size: 1.15rem;
    font-weight: 500;
    color: var(--text-dark);
    margin-bottom: 0.8rem;
  }

  .pillar p {
    font-size: 0.84rem;
    color: var(--text-body);
    line-height: 1.75;
    font-weight: 300;
  }

  .who-association-bar {
    margin-top: 2.5rem;
    padding: 1.5rem 2rem;
    border: 1px solid var(--border-gold);
    border-left: 3px solid var(--gold);
    background: var(--white);
    display: flex;
    align-items: center;
    gap: 1.5rem;
  }

  .who-association-bar p {
    font-size: 0.88rem;
    color: var(--text-body);
    line-height: 1.7;
    font-weight: 300;
  }

  .who-association-bar strong {
    color: var(--gold-light);
    font-weight: 600;
  }

  /* ====== M1 / ASSET FOCUS ====== */
  .m1-section { background: var(--cream-warm); }

  .m1-highlight {
    padding: 2.5rem;
    background: var(--white);
    border: 1px solid var(--border-gold);
    border-left: 3px solid var(--gold);
    margin-bottom: 2rem;
    box-shadow: var(--shadow-sm);
  }

  .m1-highlight h4 {
    font-family: var(--serif);
    font-size: 1.25rem;
    font-weight: 500;
    color: var(--navy);
    margin-bottom: 0.8rem;
  }

  .m1-highlight p {
    font-size: 0.92rem;
    color: var(--text-body);
    line-height: 1.85;
    font-weight: 300;
  }

  .m1-flow {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1rem;
    margin-top: 2rem;
    position: relative;
  }

  .m1-flow::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 5%;
    right: 5%;
    height: 1px;
    background: linear-gradient(90deg, var(--border-gold), var(--gold), var(--border-gold));
    opacity: 0.4;
    z-index: 0;
  }

  .m1-flow-step {
    text-align: center;
    padding: 1.8rem 1rem;
    background: var(--white);
    border: 1px solid var(--border);
    position: relative;
    z-index: 1;
    transition: all 0.3s;
    box-shadow: var(--shadow-sm);
  }

  .m1-flow-step:hover { border-color: var(--border-gold); box-shadow: var(--shadow-md); }

  .m1-flow-step .step-icon {
    font-family: var(--serif);
    font-size: 1.6rem;
    color: var(--gold);
    margin-bottom: 0.5rem;
  }

  .m1-flow-step h5 {
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--navy);
    margin-bottom: 0.4rem;
  }

  .m1-flow-step p {
    font-size: 0.76rem;
    color: var(--text-body);
    line-height: 1.6;
    font-weight: 300;
  }

  /* ====== OPERATIONAL PRINCIPLES ====== */
  .principles-section {
    background: var(--cream-dark);
    color: var(--text-dark);
    padding: 6rem 3rem;
    position: relative;
  }

  .principles-section .section-label { color: var(--gold-warm); }
  .principles-section .section-label::before { background: var(--gold-warm); }
  .principles-section .section-title { color: var(--text-dark); }
  .principles-section .section-title em { color: var(--gold-warm); }
  .principles-section .section-desc { color: var(--text-body); }

  .principles-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.2rem;
  }

  .principle-card {
    padding: 2rem;
    background: var(--white);
    border: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
    transition: all 0.4s;
    position: relative;
  }

  .principle-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 3px;
    height: 100%;
    background: var(--gold);
    opacity: 0;
    transition: opacity 0.3s;
  }

  .principle-card:hover { border-color: var(--border-gold); box-shadow: var(--shadow-md); }
  .principle-card:hover::before { opacity: 1; }

  .principle-card h4 {
    font-family: var(--serif);
    font-size: 1.1rem;
    font-weight: 500;
    color: var(--text-dark);
    margin-bottom: 0.7rem;
  }

  .principle-card p {
    font-size: 0.84rem;
    color: var(--text-body);
    line-height: 1.75;
    font-weight: 300;
  }

  /* ====== CLIENT ONBOARDING ====== */
  .client-section { background: var(--white); }

  .onboarding-flow {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.2rem;
    margin-top: 2rem;
    margin-bottom: 2.5rem;
  }

  .onboarding-step {
    padding: 2rem;
    background: var(--cream);
    border: 1px solid var(--border);
    position: relative;
    transition: all 0.3s;
    box-shadow: var(--shadow-sm);
  }

  .onboarding-step::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 2px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s;
  }

  .onboarding-step:hover { border-color: var(--border-gold); box-shadow: var(--shadow-md); }
  .onboarding-step:hover::before { transform: scaleX(1); }

  .onboarding-num {
    font-family: var(--serif);
    font-size: 1.8rem;
    font-weight: 400;
    color: var(--gold);
    opacity: 0.7;
    margin-bottom: 0.6rem;
    line-height: 1;
  }

  .onboarding-step h4 {
    font-family: var(--serif);
    font-size: 1.1rem;
    font-weight: 500;
    color: var(--navy);
    margin-bottom: 0.7rem;
  }

  .onboarding-step p {
    font-size: 0.84rem;
    color: var(--text-body);
    line-height: 1.75;
    font-weight: 300;
  }

  .aml-notice {
    padding: 2rem 2.5rem;
    background: var(--cream-warm);
    border: 1px solid var(--border-gold);
    border-left: 3px solid var(--navy);
    margin-top: 1rem;
  }

  .aml-notice h4 {
    font-family: var(--serif);
    font-size: 1.15rem;
    font-weight: 500;
    color: var(--navy);
    margin-bottom: 0.7rem;
  }

  .aml-notice p {
    font-size: 0.88rem;
    color: var(--text-body);
    line-height: 1.8;
    font-weight: 300;
  }


  /* ====== KNOWLEDGE BANNER ====== */
  .knowledge-banner {
    background: var(--cream-dark);
    padding: 4rem 3rem;
    text-align: center;
    position: relative;
    overflow: hidden;
  }

  .knowledge-banner::before {
    content: '';
    position: absolute;
    inset: 0;
    background: repeating-linear-gradient(
      45deg,
      transparent,
      transparent 40px,
      rgba(184, 154, 62, 0.03) 40px,
      rgba(184, 154, 62, 0.03) 80px
    );
    pointer-events: none;
  }

  .knowledge-banner h2 {
    font-family: var(--serif);
    font-size: clamp(1.6rem, 3vw, 2.4rem);
    font-weight: 400;
    color: var(--text-dark);
    position: relative;
    z-index: 1;
    letter-spacing: 0.06em;
  }

  .knowledge-banner h2 em {
    font-style: italic;
    color: var(--gold-light);
  }

  .knowledge-banner p {
    font-size: 0.88rem;
    color: var(--text-light);
    max-width: 550px;
    margin: 1rem auto 0;
    line-height: 1.7;
    font-weight: 300;
    position: relative;
    z-index: 1;
  }

  .knowledge-label {
    font-family: var(--mono);
    font-size: 0.6rem;
    letter-spacing: 0.3em;
    text-transform: uppercase;
    color: var(--gold-warm);
    margin-bottom: 1rem;
    position: relative;
    z-index: 1;
  }

  /* ====== DIVIDERS ====== */
  .divider {
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--border-gold), transparent);
    margin: 0 3rem;
  }

  /* ====== ALTERNATING BACKGROUNDS ====== */
  .bg-white { background: var(--white); }
  .bg-cream { background: var(--cream); }
  .bg-warm { background: var(--cream-warm); }
  .bg-navy {
    background: var(--navy);
    color: var(--cream);
  }
  .bg-navy .section-title { color: var(--cream); }
  .bg-navy .section-title em { color: var(--gold-light); }
  .bg-navy .section-desc { color: var(--text-body); }
  .bg-navy .section-label { color: var(--gold-light); }
  .bg-navy .section-label::before { background: var(--gold-light); }

  /* ====== TWO COLUMN ====== */
  .two-col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: start;
  }

  .def-block {
    padding: 2.2rem;
    background: var(--white);
    border: 1px solid var(--border);
    margin-bottom: 1.2rem;
    transition: all 0.3s;
    box-shadow: var(--shadow-sm);
  }

  .def-block:hover { border-color: var(--border-gold); box-shadow: var(--shadow-md); }

  .category-label {
    font-family: var(--mono);
    font-size: 0.56rem;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--gold-warm);
    padding: 0.25rem 0.7rem;
    border: 1px solid var(--border-gold);
    background: var(--gold-ultra);
    display: inline-block;
    margin-bottom: 0.9rem;
    font-weight: 500;
  }

  .def-block h4 {
    font-family: var(--serif);
    font-size: 1.2rem;
    font-weight: 500;
    color: var(--navy);
    margin-bottom: 0.8rem;
  }

  .def-block p {
    color: var(--text-body);
    font-size: 0.88rem;
    line-height: 1.8;
    font-weight: 300;
  }

  /* ====== INSTRUMENTS GRID ====== */
  .instruments-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.2rem;
  }

  .instrument-card {
    padding: 1.8rem;
    background: var(--cream);
    border: 1px solid var(--border);
    transition: all 0.4s ease;
    position: relative;
    overflow: hidden;
  }

  .instrument-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    transform: scaleX(0);
    transition: transform 0.4s ease;
    transform-origin: left;
  }

  .instrument-card:hover { border-color: var(--border-gold); box-shadow: var(--shadow-md); transform: translateY(-2px); }
  .instrument-card:hover::before { transform: scaleX(1); }

  .instrument-card h4 {
    font-family: var(--serif);
    font-size: 1.05rem;
    font-weight: 500;
    color: var(--navy);
    margin-bottom: 0.7rem;
  }

  .instrument-card p {
    color: var(--text-body);
    font-size: 0.82rem;
    line-height: 1.75;
    font-weight: 300;
  }

  .instrument-card .ccf {
    font-family: var(--mono);
    font-size: 0.64rem;
    color: var(--gold-warm);
    margin-top: 0.9rem;
    letter-spacing: 0.05em;
    font-weight: 500;
  }

  /* ====== TIMELINE ====== */
  .timeline { position: relative; padding-left: 3rem; margin-top: 1.5rem; }

  .timeline::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 2px;
    height: 100%;
    background: linear-gradient(180deg, var(--gold), var(--gold-warm), var(--cream-dark));
  }

  .timeline-step {
    position: relative;
    padding: 1.5rem 0 2.5rem 2.5rem;
  }

  .timeline-step::before {
    content: '';
    position: absolute;
    left: -6px;
    top: 2rem;
    width: 14px;
    height: 14px;
    background: var(--white);
    border: 2px solid var(--gold);
    border-radius: 50%;
    box-shadow: 0 0 0 4px var(--gold-ultra);
  }

  .step-number {
    font-family: var(--mono);
    font-size: 0.58rem;
    letter-spacing: 0.25em;
    color: var(--gold-warm);
    text-transform: uppercase;
    margin-bottom: 0.5rem;
    font-weight: 500;
  }

  .timeline-step h4 {
    font-family: var(--serif);
    font-size: 1.3rem;
    font-weight: 500;
    color: var(--navy);
    margin-bottom: 0.7rem;
  }

  .timeline-step p {
    color: var(--text-body);
    font-size: 0.88rem;
    line-height: 1.8;
    max-width: 600px;
    font-weight: 300;
  }

  .step-details {
    margin-top: 0.9rem;
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
  }

  .step-tag {
    font-family: var(--mono);
    font-size: 0.58rem;
    letter-spacing: 0.08em;
    padding: 0.3rem 0.75rem;
    background: var(--gold-ultra);
    border: 1px solid var(--border-gold);
    color: var(--gold-warm);
    font-weight: 500;
  }

  /* ====== SERVICES ====== */
  .services-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.2rem;
  }

  .service-card {
    padding: 2.2rem;
    background: var(--white);
    border: 1px solid var(--border);
    transition: all 0.4s ease;
    box-shadow: var(--shadow-sm);
  }

  .bg-navy .service-card:hover { border-color: var(--border-gold); box-shadow: var(--shadow-md); }

  .service-icon {
    font-family: var(--mono);
    font-size: 0.6rem;
    letter-spacing: 0.18em;
    color: var(--gold-warm);
    padding: 0.35rem 0.7rem;
    border: 1px solid var(--border-gold);
    display: inline-block;
    margin-bottom: 1.2rem;
    font-weight: 500;
  }

  .service-card h4 {
    font-family: var(--serif);
    font-size: 1.2rem;
    font-weight: 500;
    color: var(--text-dark);
    margin-bottom: 0.8rem;
  }

  .service-card p {
    color: var(--text-body);
    font-size: 0.84rem;
    line-height: 1.8;
    font-weight: 300;
  }

  .service-card ul { list-style: none; margin-top: 1rem; }

  .service-card ul li {
    color: var(--text-light);
    font-size: 0.8rem;
    padding: 0.3rem 0;
    padding-left: 1.2rem;
    position: relative;
    line-height: 1.6;
    font-weight: 300;
  }

  .service-card ul li::before {
    content: '—';
    position: absolute;
    left: 0;
    color: var(--gold-warm);
  }

  /* ====== REGULATORY GRID ====== */
  .reg-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.2rem;
  }

  .reg-card {
    padding: 1.8rem;
    border: 1px solid var(--border);
    background: var(--white);
    transition: all 0.3s;
    box-shadow: var(--shadow-sm);
  }

  .reg-card:hover { border-color: var(--border-gold); box-shadow: var(--shadow-md); }

  .reg-card h4 {
    font-family: var(--serif);
    font-size: 1.05rem;
    font-weight: 500;
    color: var(--navy);
    margin-bottom: 0.7rem;
  }

  .reg-card p {
    color: var(--text-body);
    font-size: 0.82rem;
    line-height: 1.75;
    font-weight: 300;
  }

  /* ====== COST TABLE ====== */
  .cost-table {
    width: 100%;
    border-collapse: collapse;
    margin-top: 1.5rem;
    background: var(--white);
    box-shadow: var(--shadow-sm);
  }

  .cost-table th {
    font-family: var(--mono);
    font-size: 0.58rem;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--gold-warm);
    text-align: left;
    padding: 1rem 1.5rem;
    border-bottom: 2px solid var(--border-gold);
    background: var(--gold-ultra);
    font-weight: 500;
  }

  .cost-table td {
    padding: 1rem 1.5rem;
    border-bottom: 1px solid var(--border);
    font-size: 0.85rem;
    color: var(--text-body);
    font-weight: 300;
  }

  .cost-table td:first-child {
    font-family: var(--serif);
    color: var(--navy);
    font-size: 0.95rem;
    font-weight: 500;
  }

  .cost-table td:last-child {
    font-family: var(--mono);
    color: var(--gold-warm);
    font-size: 0.78rem;
    font-weight: 500;
  }

  .cost-table tr:hover td { background: var(--gold-ultra); }

  /* ====== COMPLIANCE FLOW ====== */
  .compliance-flow {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1rem;
    margin-top: 1.5rem;
    position: relative;
  }

  .compliance-flow::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 5%;
    right: 5%;
    height: 1px;
    background: linear-gradient(90deg, var(--border-gold), var(--gold), var(--border-gold));
    opacity: 0.4;
    z-index: 0;
  }

  .compliance-step {
    text-align: center;
    padding: 1.8rem 1.2rem;
    background: var(--white);
    border: 1px solid var(--border);
    position: relative;
    z-index: 1;
    transition: all 0.3s;
    box-shadow: var(--shadow-sm);
  }

  .compliance-step:hover { border-color: var(--border-gold); box-shadow: var(--shadow-md); }

  .compliance-num {
    font-family: var(--serif);
    font-size: 1.8rem;
    font-weight: 400;
    color: var(--gold);
    margin-bottom: 0.6rem;
  }

  .compliance-step h5 {
    font-family: var(--sans);
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--navy);
    margin-bottom: 0.5rem;
  }

  .compliance-step p {
    color: var(--text-body);
    font-size: 0.76rem;
    line-height: 1.65;
    font-weight: 300;
  }

  /* ====== NOTICE ====== */
  .notice-box {
    max-width: 800px;
    margin: 0 auto;
    padding: 2.5rem;
    border: 1px solid var(--border-gold);
    border-left: 3px solid var(--gold);
    background: var(--white);
    box-shadow: var(--shadow-sm);
  }

  .notice-box h3 {
    font-family: var(--serif);
    font-size: 1.25rem;
    font-weight: 500;
    color: var(--navy);
    margin-bottom: 1rem;
  }

  .notice-box p {
    color: var(--text-body);
    font-size: 0.88rem;
    line-height: 1.85;
    margin-bottom: 0.8rem;
    font-weight: 300;
  }

  .notice-box p:last-child { margin-bottom: 0; }

  /* ====== CONTACT ====== */
  .contact {
    text-align: center;
    padding: 7rem 3rem;
    background: linear-gradient(170deg, var(--cream) 0%, var(--cream-warm) 100%);
    position: relative;
  }

  .contact .section-label { justify-content: center; }
  .contact .section-label::before { display: none; }
  .contact .section-title { margin: 0 auto 1.2rem; text-align: center; max-width: 550px; }
  .contact .section-desc { margin: 0 auto 2.5rem; text-align: center; }

  .contact-cta {
    display: inline-block;
    padding: 0.9rem 2.8rem;
    background: var(--text-dark);
    color: var(--white);
    text-decoration: none;
    font-size: 0.72rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    font-weight: 600;
    transition: all 0.4s ease;
    position: relative;
    z-index: 1;
  }

  .contact-cta:hover { background: var(--gold-warm); }

  .contact-details {
    margin-top: 3.5rem;
    padding-top: 2.5rem;
    border-top: 1px solid var(--border-strong);
    display: flex;
    justify-content: center;
    gap: 4rem;
  }

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

  .contact-item-label {
    font-family: var(--mono);
    font-size: 0.56rem;
    letter-spacing: 0.25em;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 0.4rem;
    font-weight: 500;
  }

  .contact-item-value {
    color: var(--text-body);
    font-size: 0.85rem;
    font-weight: 400;
  }

  /* ====== FOOTER ====== */
  footer {
    padding: 2.5rem 3rem;
    border-top: 1px solid var(--border);
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: var(--white);
  }

  .footer-brand {
    display: flex;
    flex-direction: column;
    gap: 0.2rem;
  }

  .footer-logo {
    font-family: var(--serif);
    font-size: 0.95rem;
    color: var(--navy);
    font-weight: 600;
  }

  .footer-assoc {
    font-size: 0.6rem;
    color: var(--text-muted);
    letter-spacing: 0.1em;
  }

  .footer-text {
    font-size: 0.68rem;
    color: var(--text-muted);
  }

  .footer-legal {
    font-size: 0.64rem;
    color: var(--text-muted);
    max-width: 420px;
    text-align: right;
    line-height: 1.6;
    font-weight: 300;
  }

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

  .reveal {
    opacity: 0;
    transform: translateY(18px);
    transition: opacity 0.7s ease, transform 0.7s ease;
  }

  .reveal.visible { opacity: 1; transform: translateY(0); }

  /* ====== RESPONSIVE ====== */
  @media (max-width: 1024px) {
    .instruments-grid, .reg-grid { grid-template-columns: repeat(2, 1fr); }
    .compliance-flow { grid-template-columns: repeat(2, 1fr); }
    .compliance-flow::before { display: none; }
    .pillars-grid { grid-template-columns: repeat(2, 1fr); }
    .m1-flow { grid-template-columns: repeat(2, 1fr); }
    .m1-flow::before { display: none; }
  }

  @media (max-width: 768px) {
    nav { padding: 0.8rem 1.5rem; }
    .nav-links { display: none; }
    section { padding: 3.5rem 1.5rem; }
    .hero { padding: 6rem 1.5rem 3rem; }
    .two-col, .instruments-grid, .services-grid, .reg-grid, .compliance-flow, .pillars-grid, .m1-flow, .onboarding-flow, .principles-grid { grid-template-columns: 1fr; }
    .hero-meta { flex-direction: column; gap: 1.2rem; }
    .contact-details { flex-direction: column; gap: 1.5rem; }
    .divider { margin: 0 1.5rem; }
    footer { flex-direction: column; gap: 1.2rem; text-align: center; }
    .footer-legal { text-align: center; }
  }