/* ═══════════════════════════════════════
   TerraNova Consulting — Premium CSS v3
   ═══════════════════════════════════════ */

:root {
  --navy:    #14172e;
  --navy2:   #1c2040;
  --navy3:   #222649;
  --gold:    #c9a96e;
  --gold-lt: #dfc28f;
  --gold-dk: #a8863f;
  --cream:   #f0e8d8;
  --white:   #faf8f4;
  --muted:   rgba(240,232,216,0.6);
  --line:    rgba(201,169,110,0.18);

  /* Light section */
  --light:      #e6ddd0;
  --light2:     #d9cfc0;
  --light-text: #14172e;
  --light-muted:#4a4d6a;
  --light-line: rgba(20,23,46,0.12);
}

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

body {
  background: var(--navy);
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  line-height: 1.7;
  overflow-x: hidden;
}

/* ── TYPOGRAPHY ── */
.serif { font-family: 'Cormorant Garamond', Georgia, serif; }
h1,h2,h3 { font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 500; letter-spacing:-0.02em; line-height:1.08; }
.label {
  font-size: 10px; font-weight: 600; letter-spacing: 0.26em;
  text-transform: uppercase; color: var(--gold);
  display: inline-flex; align-items: center; gap: 10px;
}
.label::before { content:''; display:inline-block; width:24px; height:1px; background:var(--gold); opacity:0.6; }

/* ══════════════════════════════
   NAV
══════════════════════════════ */
nav {
  position: fixed; top:0; left:0; right:0; z-index:900;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 64px; height: 76px;
  background: rgba(20,23,46,0.92);
  backdrop-filter: blur(24px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.3s;
}
nav.scrolled { box-shadow: 0 4px 40px rgba(0,0,0,0.4); }

.nav-logo { text-decoration:none; display:flex; align-items:center; }
.nav-logo img { height:46px; width:auto; display:block; }

.nav-right { display:flex; align-items:center; gap:40px; }
.nav-links { display:flex; gap:30px; list-style:none; }
.nav-links a {
  font-size: 10px; font-weight: 600; letter-spacing: 0.16em;
  text-transform: uppercase; color: var(--muted); text-decoration: none;
  transition: color 0.2s; padding-bottom: 3px;
  border-bottom: 1px solid transparent;
  position: relative;
}
.nav-links a::after {
  content:''; position:absolute; bottom:-1px; left:0; right:0; height:1px;
  background: var(--gold); transform: scaleX(0); transition: transform 0.25s;
}
.nav-links a:hover::after, .nav-links a.active::after { transform:scaleX(1); }
.nav-links a:hover, .nav-links a.active { color: var(--gold); }

.nav-btn {
  font-size: 10px; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--navy); background: var(--gold); padding: 11px 24px;
  border-radius: 1px; text-decoration: none;
  transition: background 0.2s, box-shadow 0.2s;
  white-space: nowrap; box-shadow: 0 0 0 0 rgba(201,169,110,0.4);
}
.nav-btn:hover { background: var(--gold-lt); box-shadow: 0 0 0 4px rgba(201,169,110,0.15); }

/* hamburger */
.hamburger { display:none; flex-direction:column; gap:5px; background:none; border:none; cursor:pointer; padding:4px; }
.hamburger span { display:block; width:22px; height:1.5px; background:var(--muted); transition:all 0.3s; }
.mobile-menu {
  display:none; flex-direction:column;
  position:fixed; top:76px; left:0; right:0; z-index:899;
  background:rgba(14,16,36,0.98); backdrop-filter:blur(20px);
  border-bottom:1px solid var(--line); padding:24px 32px 32px;
  gap:0; transform:translateY(-8px); opacity:0;
  transition:all 0.25s; pointer-events:none;
}
.mobile-menu.open { display:flex; transform:translateY(0); opacity:1; pointer-events:all; }
.mobile-menu a {
  font-size:13px; font-weight:500; letter-spacing:0.1em; text-transform:uppercase;
  color:var(--muted); text-decoration:none; padding:14px 0;
  border-bottom:1px solid var(--line); transition:color 0.2s;
}
.mobile-menu a:hover { color:var(--gold); }
.mobile-menu .mobile-cta {
  margin-top:20px; text-align:center;
  background:var(--gold); color:var(--navy); border:none;
  border-radius:1px; padding:14px; font-weight:600;
}

/* ══════════════════════════════
   TICKER BAR
══════════════════════════════ */
.ticker-bar {
  background: var(--gold);
  padding: 0;
  overflow: hidden;
  height: 38px;
  display: flex;
  align-items: center;
}
.ticker-track {
  display: flex;
  gap: 0;
  animation: ticker 28s linear infinite;
  white-space: nowrap;
}
.ticker-item {
  font-size: 10px; font-weight: 600; letter-spacing: 0.18em;
  text-transform: uppercase; color: var(--navy);
  padding: 0 48px;
  display: flex; align-items: center; gap: 14px;
}
.ticker-item::after {
  content: '◆'; font-size: 6px; opacity:0.5;
}
@keyframes ticker {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ══════════════════════════════
   BUTTONS
══════════════════════════════ */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 10px; font-weight: 600; letter-spacing: 0.18em;
  text-transform: uppercase; text-decoration: none;
  padding: 14px 30px; border-radius: 1px; transition: all 0.25s;
  font-family: 'Inter', sans-serif; position: relative; overflow: hidden;
}
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-lt); transform: translateY(-1px); box-shadow: 0 8px 30px rgba(201,169,110,0.25); }
.btn-ghost { background: transparent; color: var(--muted); border: 1px solid rgba(240,232,216,0.18); }
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); transform: translateY(-1px); }
.btn-outline-navy { background:transparent; color:var(--navy); border:1px solid var(--navy); }
.btn-outline-navy:hover { background:var(--navy); color:var(--cream); }

/* ══════════════════════════════
   HERO
══════════════════════════════ */
.hero {
  min-height: 100vh; display: flex; flex-direction: column;
  justify-content: flex-end; padding: 0 64px 90px;
  position: relative; overflow: hidden;
}
#heroCanvas {
  position: absolute; inset: 0; width:100%; height:100%;
  pointer-events: none; z-index: 0;
}
.hero-gradient {
  position: absolute; inset: 0; z-index: 1;
  background:
    radial-gradient(ellipse 90% 70% at 75% 10%, rgba(201,169,110,0.07) 0%, transparent 60%),
    radial-gradient(ellipse 50% 50% at 5% 95%, rgba(201,169,110,0.04) 0%, transparent 55%),
    linear-gradient(170deg, #14172e 0%, #0e1020 100%);
}
.hero-lines {
  position: absolute; inset: 0; z-index: 1;
  background-image: linear-gradient(rgba(201,169,110,0.03) 1px, transparent 1px);
  background-size: 100% 88px;
}
.hero-inner { position: relative; z-index: 2; max-width: 860px; }
.hero-eyebrow { display:flex; align-items:center; gap:16px; margin-bottom:36px; }

h1 { font-size: clamp(52px, 6.5vw, 96px); color: var(--cream); margin-bottom: 28px; }
h1 em { color: var(--gold); font-style: italic; }

.hero-desc { font-size:15px; color:var(--muted); max-width:480px; margin-bottom:48px; line-height:1.9; }
.hero-actions { display:flex; gap:16px; flex-wrap:wrap; margin-bottom:80px; }

/* scroll hint */
.hero-scroll {
  position: absolute; bottom: 36px; right: 64px; z-index: 2;
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  opacity: 0.4;
}
.hero-scroll span { font-size: 9px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); writing-mode: vertical-rl; }
.scroll-line { width: 1px; height: 48px; background: linear-gradient(to bottom, var(--gold), transparent); animation: scrollLine 2s ease-in-out infinite; }
@keyframes scrollLine {
  0%, 100% { transform: scaleY(1); opacity: 0.4; }
  50% { transform: scaleY(0.6); opacity: 0.8; }
}

/* stats */
.hero-stats {
  display: flex; gap: 0; position: relative; z-index: 2;
  border: 1px solid var(--line); border-radius: 2px;
  width: fit-content; overflow: hidden;
  background: rgba(255,255,255,0.02);
  backdrop-filter: blur(10px);
}
.stat {
  padding: 22px 40px; border-right: 1px solid var(--line);
  position: relative;
}
.stat:last-child { border-right: none; }
.stat-val { font-family:'Cormorant Garamond',serif; font-size:38px; font-weight:500; color:var(--gold); line-height:1; }
.stat-lbl { font-size:10px; letter-spacing:0.12em; text-transform:uppercase; color:var(--muted); margin-top:6px; }

/* ══════════════════════════════
   MARQUEE / TRUST BAR
══════════════════════════════ */
.marquee-section {
  background: var(--navy2);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 0; overflow: hidden; height: 60px;
  display: flex; align-items: center;
}
.marquee-track {
  display: flex; animation: marquee 30s linear infinite;
  white-space: nowrap;
}
.marquee-item {
  padding: 0 56px;
  font-size: 11px; font-weight: 600; letter-spacing: 0.14em;
  text-transform: uppercase; color: rgba(201,169,110,0.5);
  display: flex; align-items: center; gap: 16px;
  white-space: nowrap;
}
.marquee-item::after { content:'·'; color:var(--gold); opacity:0.3; }
@keyframes marquee {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ══════════════════════════════
   PAGE HERO
══════════════════════════════ */
.page-hero {
  padding: 160px 64px 100px; position:relative; overflow:hidden;
  background: var(--navy);
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 60% at 70% 30%, rgba(201,169,110,0.06) 0%, transparent 60%);
}
.page-hero-inner { position: relative; z-index: 1; }
.page-hero h1 { font-size: clamp(44px, 5.5vw, 82px); color:var(--cream); margin: 14px 0 20px; }
.page-hero h1 em { color:var(--gold); font-style:italic; }
.page-hero-desc { font-size:15px; color:var(--muted); max-width:520px; line-height:1.9; }

/* ══════════════════════════════
   SECTIONS
══════════════════════════════ */
.page-section { padding: 96px 64px; }
.bg-ink   { background: var(--navy); }
.bg-light  { background: var(--light); }
.bg-light2 { background: var(--light2); }

/* light overrides */
.bg-light h2, .bg-light2 h2,
.bg-light h3, .bg-light2 h3 { color: var(--light-text); }
.bg-light .label, .bg-light2 .label { color: var(--navy); opacity: 0.7; }
.bg-light .label::before, .bg-light2 .label::before { background: var(--navy); }
.bg-light h2 em, .bg-light2 h2 em { color: var(--navy2); font-style: italic; }
.bg-light .section-desc, .bg-light2 .section-desc,
.bg-light p, .bg-light2 p { color: var(--light-muted); }
.bg-light .card, .bg-light2 .card { border-color: var(--light-line); background: transparent; }
.bg-light .card h3, .bg-light2 .card h3 { color: var(--light-text); }
.bg-light .card p, .bg-light2 .card p { color: var(--light-muted); }
.bg-light .card:hover, .bg-light2 .card:hover { background: rgba(20,23,46,0.05); }
.bg-light .card-num, .bg-light2 .card-num { color: var(--gold-dk); }
.bg-light .card-arrow, .bg-light2 .card-arrow { color: var(--navy); }
.bg-light .why-item, .bg-light2 .why-item { background: transparent; }
.bg-light .why-item:hover, .bg-light2 .why-item:hover { background: rgba(20,23,46,0.05); }
.bg-light .why-item h3, .bg-light2 .why-item h3 { color: var(--light-text); }
.bg-light .why-item p, .bg-light2 .why-item p { color: var(--light-muted); }
.bg-light .why-num, .bg-light2 .why-num { color: var(--navy); opacity: 0.1; }
.bg-light .why-grid, .bg-light2 .why-grid { background: var(--light-line); border-color: var(--light-line); }
.bg-light .pstep, .bg-light2 .pstep { background: var(--light); }
.bg-light2 .pstep { background: var(--light2); }
.bg-light .pstep h3, .bg-light2 .pstep h3 { color: var(--light-text); }
.bg-light .pstep p, .bg-light2 .pstep p { color: var(--light-muted); }
.bg-light .process-row, .bg-light2 .process-row { background: var(--light-line); border-color: var(--light-line); }
.bg-light table thead th, .bg-light2 table thead th { color: var(--gold-dk); border-color: var(--light-line); }
.bg-light table tbody td, .bg-light2 table tbody td { color: var(--light-muted); }
.bg-light table tbody td:first-child, .bg-light2 table tbody td:first-child { color: var(--light-text); font-weight:500; }
.bg-light table tbody tr, .bg-light2 table tbody tr { border-color: rgba(20,23,46,0.07); }
.bg-light table tbody tr:hover, .bg-light2 table tbody tr:hover { background: rgba(20,23,46,0.04); }
.bg-light .table-wrap, .bg-light2 .table-wrap { border-color: var(--light-line); }
.bg-light .bank-item, .bg-light2 .bank-item { border-color: var(--light-line); }
.bg-light .bank-item:hover, .bg-light2 .bank-item:hover { background: rgba(20,23,46,0.04); }
.bg-light .bank-name, .bg-light2 .bank-name { color: var(--light-text); }
.bg-light .bank-type, .bg-light2 .bank-type { color: var(--light-muted); }
.bg-light .bank-list, .bg-light2 .bank-list { border-color: var(--light-line); }
.bg-light .bcol h3, .bg-light2 .bcol h3 { color: var(--light-text); border-color: var(--light-line); }
.bg-light .bcol ul li, .bg-light2 .bcol ul li { color: var(--light-muted); border-color: rgba(20,23,46,0.07); }
.bg-light .bcol ul li::before { color: var(--gold-dk); }
.bg-light .visa-card, .bg-light2 .visa-card { background: var(--light); }
.bg-light2 .visa-card { background: var(--light2); }
.bg-light .visa-card h3, .bg-light2 .visa-card h3 { color: var(--light-text); }
.bg-light .visa-card p, .bg-light2 .visa-card p { color: var(--light-muted); }
.bg-light .visa-grid, .bg-light2 .visa-grid { background: var(--light-line); border-color: var(--light-line); }
.bg-light .visa-meta, .bg-light2 .visa-meta { border-color: var(--light-line); }
.bg-light .vm-row span, .bg-light2 .vm-row span { color: var(--light-muted); }
.bg-light .vm-row strong, .bg-light2 .vm-row strong { color: var(--light-text); opacity: 0.6; font-weight: 500; }
.bg-light .contact-details .cdetail, .bg-light2 .contact-details .cdetail { border-color: var(--light-line); }
.bg-light .cdetail-val, .bg-light2 .cdetail-val { color: var(--light-muted); }
.bg-light .cdetail-val a, .bg-light2 .cdetail-val a { color: var(--light-muted); }
.bg-light .cdetail-val a:hover, .bg-light2 .cdetail-val a:hover { color: var(--navy); }
.bg-light .contact-form-wrap, .bg-light2 .contact-form-wrap { background: rgba(255,255,255,0.6); border-color: var(--light-line); }
.bg-light .fg input, .bg-light .fg textarea, .bg-light .fg select,
.bg-light2 .fg input, .bg-light2 .fg textarea, .bg-light2 .fg select { background: rgba(255,255,255,0.7); border-color: var(--light-line); color: var(--light-text); }
.bg-light .fg label, .bg-light2 .fg label { color: var(--light-muted); }
.bg-light .fg input:focus, .bg-light .fg textarea:focus, .bg-light .fg select:focus,
.bg-light2 .fg input:focus, .bg-light2 .fg textarea:focus, .bg-light2 .fg select:focus { border-color: var(--navy); }
.bg-light .form-title, .bg-light2 .form-title { color: var(--light-text); }
.bg-light .form-sub, .bg-light2 .form-sub { color: var(--light-muted); }
.bg-light .tag-no, .bg-light2 .tag-no { background: rgba(20,23,46,0.1); color: var(--light-text); }
.bg-light .tag-yes, .bg-light2 .tag-yes { background: rgba(168,134,63,0.15); color: var(--gold-dk); }

.section-top { display:flex; align-items:flex-start; justify-content:space-between; gap:60px; margin-bottom:60px; }
.section-top > div { flex-shrink:0; }
h2 { font-size: clamp(32px, 3.5vw, 54px); color:var(--cream); margin-top:14px; }
h2 em { color:var(--gold); font-style:italic; }
.section-desc { font-size:14px; color:var(--muted); line-height:1.9; max-width:340px; padding-top:12px; }

/* ══════════════════════════════
   CARDS (glassmorphism on dark)
══════════════════════════════ */
.cards-4 { display:grid; grid-template-columns:repeat(4,1fr); }
.cards-3 { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }

.card {
  padding: 40px 30px;
  border-left: 1px solid var(--line);
  transition: background 0.3s, transform 0.3s;
  position: relative; overflow: hidden;
}
.card::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(201,169,110,0.04) 0%, transparent 60%);
  opacity: 0; transition: opacity 0.3s;
}
.card:hover::before { opacity: 1; }
.cards-3 .card { border: 1px solid var(--line); border-radius: 2px; }
.cards-4 .card:first-child { border-left: none; }
.card:hover { background: rgba(201,169,110,0.035); }
.card-link { text-decoration:none; color:inherit; display:block; }
.card-num { font-family:'Cormorant Garamond',serif; font-size:11px; letter-spacing:0.22em; color:var(--gold); opacity:0.75; margin-bottom:30px; }
.card h3 { font-size:22px; color:var(--cream); margin-bottom:14px; line-height:1.2; }
.card p { font-size:13px; color:var(--muted); line-height:1.85; }
.card-arrow { display:inline-block; margin-top:22px; font-size:18px; color:var(--gold); opacity:0; transition: opacity 0.2s, transform 0.2s; }
.card-link:hover .card-arrow { opacity:1; transform: translateX(4px); }

/* ══════════════════════════════
   SERVICE ICONS (decorative)
══════════════════════════════ */
.card-icon {
  width: 44px; height: 44px; border: 1px solid var(--line);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  margin-bottom: 24px; font-size: 18px;
  background: rgba(201,169,110,0.06);
}

/* ══════════════════════════════
   WHY GRID
══════════════════════════════ */
.why-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:var(--line); border:1px solid var(--line); border-radius:2px; overflow:hidden; }
.why-item { background:var(--navy2); padding:44px 36px; transition:background 0.3s; position:relative; overflow:hidden; }
.why-item::after {
  content:''; position:absolute; bottom:0; left:0; right:0; height:2px;
  background: linear-gradient(to right, var(--gold), transparent);
  transform: scaleX(0); transition: transform 0.35s; transform-origin: left;
}
.why-item:hover::after { transform: scaleX(1); }
.why-item:hover { background: rgba(201,169,110,0.04); }
.why-num { font-family:'Cormorant Garamond',serif; font-size:52px; color:var(--gold); opacity:0.1; line-height:1; margin-bottom:20px; }
.why-item h3 { font-size:19px; color:var(--cream); margin-bottom:10px; line-height:1.2; }
.why-item p { font-size:13px; color:var(--muted); line-height:1.85; }
.why-cta { display:flex; align-items:center; justify-content:center; flex-direction:column; gap:12px; }

/* ══════════════════════════════
   TABLE
══════════════════════════════ */
.table-wrap { overflow-x:auto; border:1px solid var(--line); border-radius:2px; }
table { width:100%; border-collapse:collapse; }
thead th { padding:16px 22px; text-align:left; font-size:10px; font-weight:600; letter-spacing:0.18em; text-transform:uppercase; color:var(--gold); border-bottom:1px solid var(--line); font-family:'Inter',sans-serif; }
tbody tr { border-bottom:1px solid rgba(201,169,110,0.07); transition:background 0.2s; }
tbody tr:last-child { border-bottom:none; }
tbody tr:hover { background:rgba(201,169,110,0.035); }
tbody td { padding:18px 22px; font-size:13px; color:var(--muted); }
tbody td:first-child { color:var(--cream); font-weight:500; }
.tag { display:inline-block; padding:4px 12px; border-radius:2px; font-size:10px; font-weight:600; letter-spacing:0.06em; font-family:'Inter',sans-serif; }
.tag-yes { background:rgba(201,169,110,0.12); color:var(--gold); }
.tag-no  { background:rgba(255,255,255,0.06); color:var(--muted); }
.bg-light .tag-no, .bg-light2 .tag-no { background:rgba(20,23,46,0.1); color:var(--light-text); }

/* ══════════════════════════════
   VISA CARDS
══════════════════════════════ */
.visa-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:1px; background:var(--line); border:1px solid var(--line); border-radius:2px; overflow:hidden; }
.visa-card { background:var(--navy2); padding:48px 32px; transition:background 0.3s; position:relative; overflow:hidden; }
.visa-card::before {
  content:''; position:absolute; top:0; left:0; right:0; height:2px;
  background:linear-gradient(to right, var(--gold), transparent);
  transform:scaleX(0); transition:transform 0.35s; transform-origin:left;
}
.visa-card:hover::before { transform:scaleX(1); }
.visa-card:hover { background:rgba(201,169,110,0.04); }
.visa-idx { font-family:'Cormorant Garamond',serif; font-size:56px; color:var(--gold); opacity:0.08; line-height:1; margin-bottom:8px; }
.visa-card h3 { font-size:21px; color:var(--cream); margin-bottom:14px; }
.visa-card p { font-size:13px; color:var(--muted); line-height:1.85; }
.visa-meta { margin-top:22px; padding-top:20px; border-top:1px solid var(--line); display:flex; flex-direction:column; gap:10px; }
.vm-row { display:flex; justify-content:space-between; font-size:12px; }
.vm-row strong { color:var(--gold-lt); font-weight:500; }
.vm-row span { color:var(--muted); }

/* ══════════════════════════════
   BANKING
══════════════════════════════ */
.banking-cols { display:grid; grid-template-columns:repeat(3,1fr); gap:36px; }
.bcol h3 { font-size:11px; font-weight:600; letter-spacing:0.12em; color:var(--gold); margin-bottom:20px; padding-bottom:14px; border-bottom:1px solid var(--line); text-transform:uppercase; font-family:'Inter',sans-serif; }
.bcol ul { list-style:none; }
.bcol ul li { padding:11px 0; font-size:13px; color:var(--muted); border-bottom:1px solid rgba(201,169,110,0.06); display:flex; align-items:center; gap:12px; }
.bcol ul li:last-child { border-bottom:none; }
.bcol ul li::before { content:'—'; color:var(--gold); opacity:0.5; font-size:11px; flex-shrink:0; }
.bank-list { border:1px solid var(--line); border-radius:2px; overflow:hidden; }
.bank-item { display:flex; justify-content:space-between; align-items:center; padding:22px 28px; border-bottom:1px solid var(--line); transition:background 0.2s, padding-left 0.2s; }
.bank-item:last-child { border-bottom:none; }
.bank-item:hover { background:rgba(201,169,110,0.03); padding-left:34px; }
.bank-name { font-size:16px; font-family:'Cormorant Garamond',serif; font-weight:500; color:var(--cream); }
.bank-type { font-size:11px; color:var(--muted); letter-spacing:0.06em; }

/* ══════════════════════════════
   PROCESS STEPS
══════════════════════════════ */
.process-row { display:grid; grid-template-columns:repeat(6,1fr); gap:1px; background:var(--line); border:1px solid var(--line); border-radius:2px; overflow:hidden; }
.pstep { background:var(--navy2); padding:34px 24px; transition:background 0.3s; position:relative; }
.pstep:hover { background:rgba(201,169,110,0.04); }
.pstep-num { font-size:10px; font-weight:600; letter-spacing:0.22em; color:var(--gold); margin-bottom:20px; font-family:'Inter',sans-serif; }
.pstep h3 { font-size:15px; color:var(--cream); margin-bottom:9px; line-height:1.3; }
.pstep p { font-size:12px; color:var(--muted); line-height:1.85; }

/* ══════════════════════════════
   CTA BAND
══════════════════════════════ */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
  padding: 100px 64px; text-align: center;
  border-top: 1px solid var(--line);
  position: relative; overflow: hidden;
}
.cta-band::before {
  content:''; position:absolute; inset:0;
  background: radial-gradient(ellipse 60% 80% at 50% 50%, rgba(201,169,110,0.06) 0%, transparent 70%);
}
.cta-band h2 { font-size:clamp(34px,3.5vw,52px); color:var(--cream); margin-bottom:16px; position:relative; z-index:1; }
.cta-band h2 em { color:var(--gold); font-style:italic; }
.cta-band p { font-size:15px; color:var(--muted); margin-bottom:40px; position:relative; z-index:1; }
.cta-band .btn { position:relative; z-index:1; }

/* ══════════════════════════════
   CONTACT
══════════════════════════════ */
.contact-layout { display:grid; grid-template-columns:1fr 1.25fr; gap:80px; align-items:start; }
.contact-details { display:flex; flex-direction:column; }
.cdetail { display:flex; gap:24px; padding:20px 0; border-bottom:1px solid var(--line); align-items:flex-start; }
.cdetail:first-child { border-top:1px solid var(--line); }
.cdetail-label { font-size:9px; font-weight:600; letter-spacing:0.2em; text-transform:uppercase; color:var(--gold); min-width:80px; padding-top:2px; font-family:'Inter',sans-serif; }
.cdetail-val { font-size:13px; color:var(--muted); line-height:1.7; }
.cdetail-val a { color:var(--muted); text-decoration:none; transition:color 0.2s; }
.cdetail-val a:hover { color:var(--gold); }
.contact-form-wrap { background:rgba(201,169,110,0.04); border:1px solid var(--line); border-radius:2px; padding:48px; }
.form-title { font-family:'Cormorant Garamond',serif; font-size:30px; font-weight:500; color:var(--cream); margin-bottom:6px; }
.form-sub { font-size:13px; color:var(--muted); margin-bottom:34px; }
.fg { margin-bottom:18px; }
.fg label { display:block; font-size:9px; font-weight:600; letter-spacing:0.18em; text-transform:uppercase; color:var(--muted); margin-bottom:8px; }
.fg input,.fg textarea,.fg select {
  width:100%; background:rgba(240,232,216,0.04); border:1px solid rgba(201,169,110,0.15);
  border-radius:2px; padding:13px 16px; color:var(--white);
  font-family:'Inter',sans-serif; font-size:13px; font-weight:300;
  outline:none; transition:border-color 0.25s; appearance:none;
}
.fg input:focus,.fg textarea:focus,.fg select:focus { border-color:var(--gold); }
.fg textarea { resize:vertical; min-height:110px; }
.fg select option { background:var(--navy2); }
.fg-row { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.form-submit {
  width:100%; padding:15px; background:var(--gold); color:var(--navy);
  border:none; border-radius:2px; font-family:'Inter',sans-serif;
  font-size:10px; font-weight:600; letter-spacing:0.18em;
  text-transform:uppercase; cursor:pointer; transition:background 0.2s, transform 0.2s; margin-top:8px;
}
.form-submit:hover { background:var(--gold-lt); transform: translateY(-1px); }
.form-success { display:none; margin-top:16px; padding:14px; background:rgba(201,169,110,0.1); border:1px solid var(--line); border-radius:2px; font-size:13px; color:var(--gold); text-align:center; }

/* ══════════════════════════════
   FOOTER
══════════════════════════════ */
footer {
  background: var(--navy);
  border-top: 1px solid var(--line);
}
.footer-main {
  display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 60px; padding: 72px 64px 56px;
  border-bottom: 1px solid var(--line);
}
.footer-brand img { height: 40px; margin-bottom: 20px; display: block; }
.footer-brand p { font-size: 13px; color: var(--muted); line-height: 1.85; max-width: 240px; }
.footer-col h4 {
  font-size: 9px; font-weight: 600; letter-spacing: 0.2em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 20px;
  font-family: 'Inter', sans-serif;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.footer-col ul li a {
  font-size: 13px; color: var(--muted); text-decoration: none;
  transition: color 0.2s, padding-left 0.2s;
  display: block;
}
.footer-col ul li a:hover { color: var(--gold); padding-left: 6px; }
.footer-bottom {
  display: flex; align-items: center; justify-content: space-between;
  padding: 22px 64px;
}
.foot-copy { font-size: 11px; color: rgba(240,232,216,0.3); letter-spacing: 0.04em; }
.foot-legal { display: flex; gap: 24px; }
.foot-legal a { font-size: 11px; color: rgba(240,232,216,0.3); text-decoration: none; letter-spacing: 0.04em; transition: color 0.2s; }
.foot-legal a:hover { color: var(--gold); }

/* ══════════════════════════════
   STICKY WHATSAPP CTA
══════════════════════════════ */
.sticky-wa {
  position: fixed; bottom: 32px; right: 32px; z-index: 800;
  display: flex; align-items: center; gap: 12px;
  background: #25D366; color: white;
  padding: 12px 20px 12px 16px; border-radius: 50px;
  text-decoration: none; font-size: 11px; font-weight: 600;
  letter-spacing: 0.06em; box-shadow: 0 8px 32px rgba(37,211,102,0.3);
  transition: transform 0.25s, box-shadow 0.25s;
  animation: waPulse 3s ease-in-out infinite;
}
.sticky-wa:hover { transform: translateY(-3px); box-shadow: 0 12px 40px rgba(37,211,102,0.4); animation: none; }
.sticky-wa svg { flex-shrink: 0; }
@keyframes waPulse {
  0%, 100% { box-shadow: 0 8px 32px rgba(37,211,102,0.3); }
  50%       { box-shadow: 0 8px 32px rgba(37,211,102,0.55); }
}

/* ══════════════════════════════
   FEATURE STRIP (home page)
══════════════════════════════ */
.feature-strip {
  display: grid; grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
}
.fstrip-item {
  padding: 36px 32px;
  border-right: 1px solid var(--line);
  display: flex; align-items: flex-start; gap: 16px;
}
.fstrip-item:last-child { border-right: none; }
.fstrip-icon {
  font-family: 'Cormorant Garamond', serif;
  font-size: 28px; font-weight: 500; color: var(--gold);
  flex-shrink: 0; line-height: 1; opacity: 0.7;
  min-width: 36px;
}
.fstrip-item h4 { font-size: 14px; color: var(--cream); margin-bottom: 4px; font-family: 'Inter', sans-serif; font-weight: 500; }
.fstrip-item p { font-size: 12px; color: var(--muted); line-height: 1.7; }

/* ══════════════════════════════
   ANIMATIONS
══════════════════════════════ */
.reveal, .reveal-up, .reveal-left {
  opacity: 0; transition: opacity 0.8s ease, transform 0.8s ease;
}
.reveal     { transform: translateY(20px); }
.reveal-up  { transform: translateY(40px); }
.reveal-left{ transform: translateX(-30px); }
.visible    { opacity: 1 !important; transform: translate(0) !important; }

/* ══════════════════════════════
   RESPONSIVE
══════════════════════════════ */
@media (max-width:1100px) {
  nav { padding:0 32px; }
  .hero,.page-hero,.page-section,.cta-band { padding-left:32px; padding-right:32px; }
  .footer-main { padding:56px 32px 40px; grid-template-columns:1fr 1fr; gap:40px; }
  .footer-bottom { padding:20px 32px; }
  .cards-4 { grid-template-columns:1fr 1fr; }
  .cards-4 .card { border-left:1px solid var(--line); }
  .cards-4 .card:nth-child(odd) { border-left:none; }
  .visa-grid { grid-template-columns:1fr 1fr; }
  .why-grid { grid-template-columns:1fr 1fr; }
  .process-row { grid-template-columns:repeat(3,1fr); }
  .section-top { flex-direction:column; gap:20px; }
  .section-desc { max-width:100%; }
  .feature-strip { grid-template-columns:1fr 1fr; }
  .feature-strip .fstrip-item:nth-child(2) { border-right:none; }
}

@media (max-width:768px) {
  nav { padding:0 20px; }
  .nav-links,.nav-btn { display:none; }
  .hamburger { display:flex; }
  .hero,.page-hero,.page-section,.cta-band { padding-left:20px; padding-right:20px; }
  .hero { padding-bottom:60px; }
  .page-hero { padding-top:130px; padding-bottom:60px; }
  h1 { font-size:42px; }
  .hero-stats { flex-direction:column; gap:0; width:100%; }
  .stat { border-right:none; border-bottom:1px solid var(--line); padding:18px 20px; }
  .stat:last-child { border-bottom:none; }
  .hero-scroll { display:none; }
  .cards-4,.cards-3 { grid-template-columns:1fr; gap:0; }
  .cards-4 .card,.cards-3 .card { border-left:none; border-top:1px solid var(--line); }
  .cards-4 .card:first-child { border-top:none; }
  .visa-grid,.why-grid { grid-template-columns:1fr; }
  .process-row { grid-template-columns:1fr 1fr; }
  .banking-cols { grid-template-columns:1fr; gap:24px; }
  .contact-layout { grid-template-columns:1fr; gap:40px; }
  .contact-form-wrap { padding:28px 20px; }
  .footer-main { grid-template-columns:1fr; gap:32px; padding:40px 20px 28px; }
  .footer-bottom { flex-direction:column; gap:12px; text-align:center; padding:18px 20px; }
  .fg-row { grid-template-columns:1fr; }
  .feature-strip { grid-template-columns:1fr; }
  .fstrip-item { border-right:none; border-bottom:1px solid var(--line); }
  .sticky-wa span { display:none; }
  .sticky-wa { padding:14px; border-radius:50%; }
  .ticker-bar { display:none; }
}