@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;500;600;700;800&family=Lato:wght@300;400;500;700&display=swap');

:root {
  --navy:        #0B1F3A;
  --navy-mid:    #142C4C;
  --slate:       #2F4F6F;
  --charcoal:    #3A3A3A;
  --light-grey:  #F5F7FA;
  --white:       #FFFFFF;
  --gold:        #C9A646;
  --gold-light:  #E2C472;
  --text-muted:  #6B7A8D;
  --border:      #D8E0EA;

  --shadow-sm:   0 2px 12px rgba(11,31,58,.08);
  --shadow-md:   0 8px 32px rgba(11,31,58,.12);
  --shadow-lg:   0 20px 60px rgba(11,31,58,.18);

  --radius:      6px;
  --radius-lg:   12px;
  --transition:  0.3s ease;
  --max-w:       1200px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Lato', sans-serif;
  color: var(--charcoal);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

h1,h2,h3,h4,h5 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.6rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); }
h4 { font-size: 1.1rem; }
p  { color: var(--charcoal); }

.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section    { padding: 96px 0; }
.section--grey { background: var(--light-grey); }
.section--navy { background: var(--navy); }

.flex        { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.grid-2      { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3      { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-4      { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius);
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .9rem;
  letter-spacing: .5px;
  transition: var(--transition);
  cursor: pointer;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
}
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,166,70,.35);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,.5);
}
.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-2px);
}
.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: 'Montserrat', sans-serif;
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.section-label::before {
  content: '';
  display: block;
  width: 24px;
  height: 2px;
  background: var(--gold);
}
.section-intro {
  max-width: 580px;
  color: var(--text-muted);
  margin-top: 12px;
  font-size: 1.05rem;
}

.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(201,166,70,.3);
}
.card-icon {
  width: 52px;
  height: 52px;
  background: linear-gradient(135deg, rgba(201,166,70,.15), rgba(201,166,70,.05));
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  font-size: 1.4rem;
}
.card h3 { margin-bottom: 10px; font-size: 1.15rem; }
.card p  { color: var(--text-muted); font-size: .95rem; line-height: 1.65; }

.gold-divider {
  width: 48px;
  height: 3px;
  background: var(--gold);
  margin: 20px 0 28px;
  border-radius: 2px;
}

.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  transition: box-shadow var(--transition);
}
.nav.scrolled { box-shadow: var(--shadow-md); }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
}
.nav-logo-mark {
  width: 36px; height: 36px;
  background: var(--navy);
  border-radius: 6px;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 1rem;
}
.nav-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.nav-logo-name {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--navy);
  letter-spacing: .5px;
}
.nav-logo-tag {
  font-size: .65rem;
  color: var(--text-muted);
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-top: 2px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
}
.nav-links a {
  font-family: 'Montserrat', sans-serif;
  font-size: .85rem;
  font-weight: 500;
  color: var(--navy);
  letter-spacing: .3px;
  position: relative;
  padding-bottom: 2px;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -2px; left: 0;
  width: 0; height: 2px;
  background: var(--gold);
  transition: width var(--transition);
}
.nav-links a:hover::after,
.nav-links a.active::after { width: 100%; }
.nav-links a:hover { color: var(--navy); }
.nav-links a.active { color: var(--navy); font-weight: 600; }

.nav-cta { margin-left: 12px; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  width: 28px;
  cursor: pointer;
  padding: 4px 0;
}
.hamburger span {
  display: block;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: var(--transition);
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

.mobile-nav {
  display: none;
  position: fixed;
  top: 72px; left: 0; right: 0;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  z-index: 999;
  padding: 24px;
  box-shadow: var(--shadow-md);
}
.mobile-nav.open { display: block; }
.mobile-nav a {
  display: block;
  padding: 12px 0;
  border-bottom: 1px solid var(--light-grey);
  font-family: 'Montserrat', sans-serif;
  font-weight: 500;
  color: var(--navy);
  font-size: .95rem;
}
.mobile-nav a:last-child { border-bottom: none; }
.mobile-nav .btn { margin-top: 16px; width: 100%; justify-content: center; }

.hero {
  min-height: 92vh;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, var(--slate) 100%);
  display: flex;
  align-items: center;
  padding-top: 72px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(201,166,70,.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -80px; left: -80px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(47,79,111,.4) 0%, transparent 70%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-label {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(201,166,70,.12);
  border: 1px solid rgba(201,166,70,.3);
  color: var(--gold);
  padding: 7px 16px;
  border-radius: 100px;
  font-family: 'Montserrat', sans-serif;
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.hero h1 {
  color: var(--white);
  margin-bottom: 20px;
}
.hero h1 span { color: var(--gold); }
.hero-sub {
  color: rgba(255,255,255,.72);
  font-size: 1.1rem;
  line-height: 1.75;
  margin-bottom: 36px;
  max-width: 480px;
}
.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-visual {
  display: flex;
  justify-content: flex-end;
  align-items: center;
}
.hero-stats-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-lg);
  padding: 36px;
  backdrop-filter: blur(10px);
  width: 100%;
  max-width: 360px;
}
.stat-item { padding: 20px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.stat-item:last-child { border-bottom: none; }
.stat-label {
  font-size: .78rem;
  color: rgba(255,255,255,.5);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  font-family: 'Montserrat', sans-serif;
  margin-bottom: 6px;
}
.stat-value {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--white);
}
.stat-value span { color: var(--gold); }
.stat-desc { font-size: .82rem; color: rgba(255,255,255,.5); margin-top: 4px; }

.hero-inner {
  min-height: 52vh;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, var(--slate) 100%);
  display: flex;
  align-items: center;
  padding-top: 72px;
  position: relative;
  overflow: hidden;
}
.hero-inner::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(201,166,70,.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner .hero-label { margin-bottom: 20px; }
.hero-inner h1 { color: var(--white); margin-bottom: 16px; }
.hero-inner h1 span { color: var(--gold); }
.hero-inner .hero-sub {
  color: rgba(255,255,255,.72);
  font-size: 1.05rem;
  max-width: 580px;
  margin-bottom: 32px;
}

.footer {
  background: var(--navy);
  padding: 72px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-brand .nav-logo-name { color: var(--white); font-size: 1.1rem; }
.footer-brand .nav-logo-tag  { color: rgba(255,255,255,.4); }
.footer-tagline {
  color: rgba(255,255,255,.5);
  font-size: .9rem;
  margin: 16px 0 24px;
  line-height: 1.7;
  max-width: 280px;
}
.footer-col h4 {
  color: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .85rem;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.footer-col a {
  display: block;
  color: rgba(255,255,255,.5);
  font-size: .9rem;
  padding: 5px 0;
  transition: var(--transition);
}
.footer-col a:hover { color: var(--gold); }
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 0;
}
.footer-bottom p { color: rgba(255,255,255,.35); font-size: .82rem; }
.footer-bottom a { color: rgba(255,255,255,.35); }
.footer-bottom a:hover { color: var(--gold); }

.offerings-grid { margin-top: 56px; }

.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  margin-top: 56px;
  position: relative;
}
.process-steps::before {
  content: '';
  position: absolute;
  top: 30px; left: 12.5%; right: 12.5%;
  height: 1px;
  background: linear-gradient(90deg, var(--gold) 0%, rgba(201,166,70,.2) 100%);
}
.process-step {
  text-align: center;
  padding: 0 24px;
  position: relative;
}
.step-num {
  width: 60px; height: 60px;
  background: var(--navy);
  border: 2px solid var(--gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  color: var(--gold);
  font-size: 1.1rem;
  position: relative;
  z-index: 1;
}
.process-step h4 { color: var(--white); margin-bottom: 8px; }
.process-step p  { color: rgba(255,255,255,.5); font-size: .9rem; }

.insight-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
  transition: var(--transition);
}
.insight-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.insight-card-tag {
  display: inline-block;
  background: rgba(201,166,70,.1);
  color: var(--gold);
  font-family: 'Montserrat', sans-serif;
  font-size: .7rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 100px;
  margin-bottom: 12px;
}
.insight-card-body { padding: 28px; }
.insight-card-body h3 { font-size: 1.05rem; margin-bottom: 10px; color: var(--navy); }
.insight-card-body p  { color: var(--text-muted); font-size: .9rem; line-height: 1.65; margin-bottom: 20px; }
.insight-card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: .82rem;
  color: var(--text-muted);
}
.read-more {
  color: var(--gold);
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .82rem;
  display: flex; align-items: center; gap: 4px;
  transition: var(--transition);
}
.read-more:hover { gap: 8px; }

.cta-banner {
  background: linear-gradient(135deg, var(--navy-mid), var(--slate));
  border-radius: var(--radius-lg);
  padding: 72px 56px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 300px; height: 300px;
  background: radial-gradient(circle, rgba(201,166,70,.12) 0%, transparent 70%);
}
.cta-banner h2 { color: var(--white); margin-bottom: 14px; }
.cta-banner p  { color: rgba(255,255,255,.65); margin-bottom: 32px; font-size: 1.05rem; }
.cta-banner .btn-group { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

.exchange-highlight {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.exchange-highlight img { display: none; }
.exchange-visual {
  background: linear-gradient(135deg, var(--navy-mid), var(--slate));
  border-radius: var(--radius-lg);
  padding: 48px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.asset-chip {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius);
  padding: 16px 20px;
  color: rgba(255,255,255,.8);
  font-family: 'Montserrat', sans-serif;
  font-size: .85rem;
  font-weight: 500;
  display: flex; align-items: center; gap: 10px;
}
.asset-chip .icon { font-size: 1.2rem; }
.asset-chip.gold-chip {
  grid-column: 1/-1;
  background: rgba(201,166,70,.12);
  border-color: rgba(201,166,70,.3);
  color: var(--gold);
}

.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }
.philosophy-item {
  display: flex;
  gap: 16px;
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
}
.philosophy-item:last-child { border-bottom: none; }
.philosophy-icon {
  width: 36px; height: 36px;
  background: rgba(201,166,70,.12);
  border-radius: 6px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  font-size: 1rem;
}
.differentiator {
  display: flex; gap: 20px; align-items: flex-start;
  padding: 24px;
  border-radius: var(--radius);
  background: var(--white);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.differentiator:hover { border-color: rgba(201,166,70,.4); }
.diff-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 2rem;
  font-weight: 700;
  color: rgba(201,166,70,.25);
  flex-shrink: 0;
  line-height: 1;
}
.vision-block {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 56px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.vision-block::before {
  content: '';
  position: absolute;
  top: 20px; left: 32px;
  font-size: 6rem;
  color: rgba(201,166,70,.08);
  font-family: Georgia, serif;
  line-height: 1;
}
.vision-block h2 { color: var(--white); margin-bottom: 16px; }
.vision-block p  { color: rgba(255,255,255,.65); font-size: 1.05rem; max-width: 560px; margin: 0 auto; }

.service-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
  padding: 72px 0;
  border-bottom: 1px solid var(--border);
}
.service-block:last-of-type { border-bottom: none; }
.service-block.reverse { direction: rtl; }
.service-block.reverse > * { direction: ltr; }
.service-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 5rem;
  font-weight: 800;
  color: rgba(11,31,58,.07);
  line-height: 1;
  margin-bottom: -8px;
}
.service-tag {
  display: inline-block;
  background: rgba(201,166,70,.1);
  color: var(--gold);
  padding: 5px 14px;
  border-radius: 100px;
  font-family: 'Montserrat', sans-serif;
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.service-includes {
  margin: 24px 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.include-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .9rem;
  color: var(--charcoal);
}
.include-item::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
}
.service-visual {
  background: linear-gradient(135deg, var(--navy) 0%, var(--slate) 100%);
  border-radius: var(--radius-lg);
  padding: 52px 40px;
  aspect-ratio: 4/3;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
}
.service-visual-label {
  color: rgba(255,255,255,.5);
  font-size: .75rem;
  font-family: 'Montserrat', sans-serif;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.service-visual-title {
  color: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1.4rem;
}
.service-visual-title span { color: var(--gold); }

.problem-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.problem-card {
  padding: 32px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  background: var(--white);
  position: relative;
  overflow: hidden;
}
.problem-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, #E74C3C, rgba(231,76,60,0));
}
.problem-icon { font-size: 2rem; margin-bottom: 16px; }
.problem-card h4 { color: var(--navy); margin-bottom: 8px; }
.problem-card p  { color: var(--text-muted); font-size: .9rem; }

.assets-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 48px;
}
.asset-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  transition: var(--transition);
}
.asset-card:hover {
  background: rgba(201,166,70,.1);
  border-color: rgba(201,166,70,.4);
  transform: translateY(-4px);
}
.asset-card .icon { font-size: 2.4rem; margin-bottom: 16px; }
.asset-card h4 { color: var(--white); font-size: 1rem; }
.asset-card p  { color: rgba(255,255,255,.45); font-size: .85rem; margin-top: 6px; }

.exchange-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 56px;
}
.exchange-step {
  padding: 32px 24px;
  border-radius: var(--radius-lg);
  background: var(--white);
  border: 1px solid var(--border);
  text-align: center;
  position: relative;
  transition: var(--transition);
}
.exchange-step:hover { border-color: var(--gold); transform: translateY(-4px); }
.exchange-step .step-num {
  width: 48px; height: 48px;
  background: rgba(201,166,70,.1);
  border: 1px solid rgba(201,166,70,.3);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
  color: var(--gold);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .9rem;
}
.exchange-step h4 { color: var(--navy); margin-bottom: 8px; }
.exchange-step p  { color: var(--text-muted); font-size: .88rem; }

.cost-note {
  background: linear-gradient(135deg, rgba(201,166,70,.08), rgba(201,166,70,.03));
  border: 1px solid rgba(201,166,70,.25);
  border-radius: var(--radius-lg);
  padding: 40px 48px;
  display: flex;
  align-items: center;
  gap: 24px;
  margin-top: 48px;
}
.cost-note-icon { font-size: 2rem; flex-shrink: 0; }
.cost-note h4 { color: var(--navy); margin-bottom: 6px; }
.cost-note p  { color: var(--text-muted); font-size: .95rem; }

.kb-categories {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}
.kb-cat-btn {
  padding: 9px 20px;
  border-radius: 100px;
  font-family: 'Montserrat', sans-serif;
  font-size: .8rem;
  font-weight: 600;
  border: 1px solid var(--border);
  color: var(--text-muted);
  transition: var(--transition);
  cursor: pointer;
}
.kb-cat-btn:hover,
.kb-cat-btn.active {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.articles-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}
.article-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: var(--transition);
  cursor: pointer;
}
.article-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: rgba(201,166,70,.3); }
.article-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 16px;
}
.article-cat {
  background: rgba(201,166,70,.1);
  color: var(--gold);
  font-family: 'Montserrat', sans-serif;
  font-size: .68rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 100px;
}
.article-date { color: var(--text-muted); font-size: .82rem; }
.article-card h3 { font-size: 1.1rem; color: var(--navy); margin-bottom: 10px; }
.article-card p  { color: var(--text-muted); font-size: .92rem; line-height: 1.65; margin-bottom: 20px; }
.article-footer { display: flex; align-items: center; justify-content: space-between; }
.article-read-time { color: var(--text-muted); font-size: .8rem; }

.article-layout {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 64px;
  align-items: start;
}
.article-body { padding: 56px 0; }
.article-body h2 { margin: 40px 0 16px; }
.article-body h3 { margin: 28px 0 12px; }
.article-body p  { margin-bottom: 20px; line-height: 1.85; }
.article-body ul { margin: 16px 0 24px 20px; }
.article-body ul li { margin-bottom: 8px; color: var(--charcoal); list-style: disc; padding-left: 4px; }
.article-body blockquote {
  border-left: 3px solid var(--gold);
  padding: 20px 28px;
  background: var(--light-grey);
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 32px 0;
  font-style: italic;
  color: var(--charcoal);
}
.article-sidebar { padding-top: 56px; }
.sidebar-widget {
  background: var(--light-grey);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin-bottom: 24px;
}
.sidebar-widget h4 { margin-bottom: 16px; font-size: 1rem; }
.sidebar-link {
  display: block;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-size: .88rem;
  color: var(--navy);
  transition: var(--transition);
}
.sidebar-link:hover { color: var(--gold); }
.sidebar-link:last-child { border-bottom: none; }
.author-card {
  display: flex; gap: 16px; align-items: center;
  padding: 20px;
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  margin-bottom: 24px;
}
.author-avatar {
  width: 48px; height: 48px;
  background: var(--navy);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  flex-shrink: 0;
}
.author-name { font-family: 'Montserrat', sans-serif; font-weight: 600; color: var(--navy); font-size: .9rem; }
.author-title { color: var(--text-muted); font-size: .8rem; }

.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
}
.contact-info-item {
  display: flex; gap: 16px;
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
}
.contact-info-item:last-child { border-bottom: none; }
.contact-icon {
  width: 44px; height: 44px;
  background: rgba(201,166,70,.1);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.contact-info-item h4 { font-size: .85rem; color: var(--navy); margin-bottom: 4px; }
.contact-info-item p  { font-size: .9rem; color: var(--text-muted); }

.form-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  box-shadow: var(--shadow-sm);
}
.form-row { margin-bottom: 20px; }
.form-row label {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: .8rem;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: .5px;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.form-row input,
.form-row select,
.form-row textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-family: 'Lato', sans-serif;
  font-size: .95rem;
  color: var(--charcoal);
  background: var(--white);
  transition: border-color var(--transition);
  outline: none;
}
.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,166,70,.1);
}
.form-row textarea { min-height: 120px; resize: vertical; }
.form-row select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236B7A8D' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; }
.form-row .btn { width: 100%; justify-content: center; padding: 16px; font-size: .95rem; }

.whatsapp-btn {
  display: flex;
  align-items: center;
  gap: 12px;
  background: #25D366;
  color: var(--white);
  padding: 14px 24px;
  border-radius: var(--radius);
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .9rem;
  transition: var(--transition);
  margin-top: 16px;
}
.whatsapp-btn:hover { background: #1da851; transform: translateY(-2px); }

@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .process-steps::before { display: none; }
  .assets-grid { grid-template-columns: repeat(2, 1fr); }
  .exchange-steps { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .section { padding: 64px 0; }
  .hero { min-height: auto; padding: 120px 0 72px; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { justify-content: flex-start; }
  .hero-stats-card { max-width: 100%; }
  .hero-inner { min-height: auto; padding: 100px 0 56px; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .exchange-highlight { grid-template-columns: 1fr; }
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .service-block { grid-template-columns: 1fr; direction: ltr !important; }
  .service-block .service-visual { display: none; }
  .problem-grid { grid-template-columns: 1fr; }
  .articles-grid { grid-template-columns: 1fr; }
  .article-layout { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
  .cta-banner { padding: 48px 24px; }
  .vision-block { padding: 40px 24px; }
  .cost-note { flex-direction: column; padding: 28px 24px; }
  .service-includes { grid-template-columns: 1fr; }
  .exchange-steps { grid-template-columns: 1fr; }
  .assets-grid { grid-template-columns: repeat(2, 1fr); }
  .form-card { padding: 32px 24px; }
  .process-steps { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  h1 { font-size: 1.9rem; }
  h2 { font-size: 1.5rem; }
  .hero-cta { flex-direction: column; }
  .exchange-visual { grid-template-columns: 1fr; }
  .assets-grid { grid-template-columns: 1fr 1fr; }
}

.nav-logo {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
}
.nav-logo-img {
  height: 38px;
  width: auto;
  max-width: 180px;
  display: block;
  object-fit: contain;
  object-position: left center;
}

.nav-logo-img--footer {
  height: 34px;
  max-width: 160px;
  filter: brightness(0) invert(1);
  opacity: 0.85;
  transition: opacity 0.2s ease;
}
.nav-logo-img--footer:hover {
  opacity: 1;
}

@media (max-width: 768px) {
  .nav-logo-img {
    height: 32px;
    max-width: 150px;
  }
}