/* ============================================================
   FRONTIER ACQUISITION & MANAGEMENT — Multi-Page Redesign
   Colors: White bg, Navy #1a3a52, Gold #D4A74E
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Inter:wght@300;400;500;600;700&display=swap');

/* —— Reset & Base —— */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:      #1a3a52;
  --navy-dark: #0f2233;
  --navy-mid:  #24507a;
  --gold:      #D4A74E;
  --gold-light:#e8c27a;
  --gold-pale: #f9f1e0;
  --white:     #ffffff;
  --off-white: #f8f9fb;
  --light-gray:#f0f2f5;
  --mid-gray:  #e2e8f0;
  --text-dark: #1a2332;
  --text-mid:  #4a5568;
  --text-light:#718096;
  --shadow-sm: 0 2px 8px rgba(26,58,82,0.08);
  --shadow-md: 0 8px 32px rgba(26,58,82,0.12);
  --shadow-lg: 0 16px 48px rgba(26,58,82,0.16);
  --radius:    12px;
  --radius-lg: 20px;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  background: var(--white);
  color: var(--text-dark);
  line-height: 1.7;
  font-size: 16px;
  overflow-x: hidden;
}

h1,h2,h3,h4,h5 {
  font-family: 'Playfair Display', serif;
  line-height: 1.25;
  color: var(--navy);
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* —— Utility —— */
.gold { color: var(--gold); }
.navy { color: var(--navy); }
.section-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
  display: block;
}
.section-title {
  font-size: clamp(2rem, 4vw, 2.8rem);
  color: var(--navy);
  margin-bottom: 16px;
}
.section-subtitle {
  font-size: 1.1rem;
  color: var(--text-mid);
  max-width: 680px;
  line-height: 1.8;
}
.divider {
  width: 56px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 2px;
  margin: 16px 0 32px;
}
.divider.center { margin: 16px auto 32px; }

/* —— Buttons —— */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  cursor: pointer;
  transition: all 0.25s ease;
  border: none;
  text-decoration: none;
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-dark);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(212,167,78,0.4);
}
.btn-outline {
  border: 2px solid var(--navy);
  color: var(--navy);
  background: transparent;
}
.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-outline-gold {
  border: 2px solid var(--gold);
  color: var(--gold);
  background: transparent;
}
.btn-outline-gold:hover {
  background: var(--gold);
  color: var(--navy-dark);
  transform: translateY(-2px);
}
.btn-white {
  background: var(--white);
  color: var(--navy);
}
.btn-white:hover {
  background: var(--gold-pale);
  transform: translateY(-2px);
}

/* ============================================================
   NAVBAR — Two-row layout: logo row + nav row — no overlap
   ============================================================ */
#navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--mid-gray);
  transition: box-shadow 0.3s ease;
}
#navbar.scrolled {
  box-shadow: var(--shadow-md);
}

/* ── Two-row inner wrapper ── */
.nav-inner {
  display: flex;
  flex-direction: column;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 32px;
}

/* ── Row 1: logo + CTA ── */
.nav-row-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 0 8px;
  border-bottom: 1px solid var(--mid-gray);
}

/* ── Row 2: nav links (full width, centred) ── */
.nav-row-bottom {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 6px 0;
  gap: 0;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}
.nav-logo img {
  height: 64px;
  width: auto;
  flex-shrink: 0;
}
.nav-logo-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.nav-logo-text .brand-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  white-space: nowrap;
}
.nav-logo-text .brand-sub {
  font-size: 0.68rem;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  line-height: 1;
}

/* Nav links live on the second row */
.nav-links {
  display: flex;
  list-style: none;
  gap: 0;
  align-items: center;
  flex-wrap: nowrap;
}
.nav-links li a {
  display: block;
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--text-mid);
  transition: color 0.2s, background 0.2s;
  white-space: nowrap;
  padding: 6px 16px;
  border-radius: 6px;
}
.nav-links li a:hover,
.nav-links li a.active {
  color: var(--navy);
  font-weight: 600;
  background: var(--off-white);
}

.nav-cta {
  padding: 9px 18px;
  font-size: 0.8rem;
  white-space: nowrap;
  flex-shrink: 0;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all 0.3s;
}

/* Page top offset — taller now that nav is two rows */
.page-top {
  padding-top: 130px;
}

/* ── Mobile: collapse second row into hamburger ── */
@media (max-width: 960px) {
  .nav-row-bottom { display: none; }
  .nav-row-bottom.open {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    padding: 8px 0 12px;
    border-top: 1px solid var(--mid-gray);
  }
  .nav-row-bottom.open .nav-links {
    flex-direction: column;
    width: 100%;
    gap: 2px;
  }
  .nav-row-bottom.open .nav-links li { width: 100%; }
  .nav-row-bottom.open .nav-links li a { padding: 10px 8px; width: 100%; }
  .hamburger { display: flex; }
  .nav-cta { display: none; }
  .page-top { padding-top: 96px; }
}

/* ============================================================
   TEXT LABEL ICONS
   ============================================================ */
.txt-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 52px;
  height: 28px;
  background: var(--navy);
  color: var(--gold);
  font-family: 'Inter', sans-serif;
  font-size: 0.6rem;
  font-weight: 800;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  border-radius: 4px;
  padding: 0 6px;
  white-space: nowrap;
}
.card-icon.txt-icon {
  font-size: 0.58rem;
  min-width: 56px;
  height: 26px;
  margin-bottom: 2px;
}
.service-icon.txt-icon,
.r-icon.txt-icon,
.p-icon.txt-icon,
.ci-icon.txt-icon,
.pillar-icon.txt-icon {
  font-size: 0.58rem;
  min-width: 64px;
  height: 28px;
  margin-bottom: 8px;
  border-radius: 6px;
}
.category-icon.txt-icon {
  font-size: 0.6rem;
  min-width: 64px;
  height: 30px;
  margin-right: 10px;
  vertical-align: middle;
  border-radius: 6px;
}

/* ============================================================
   HERO SECTION
   ============================================================ */
#hero {
  padding: 140px 0 100px;
  background: linear-gradient(135deg, var(--off-white) 0%, var(--white) 60%);
  position: relative;
  overflow: hidden;
}
#hero::before {
  content: '';
  position: absolute;
  top: -100px; right: -200px;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(212,167,78,0.07) 0%, transparent 65%);
  border-radius: 50%;
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.hero-content { position: relative; z-index: 1; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--gold-pale);
  border: 1px solid var(--gold);
  border-radius: 999px;
  padding: 8px 18px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 28px;
}
.hero-badge span { color: var(--gold); }
.hero-title {
  font-size: clamp(2.4rem, 5vw, 4rem);
  line-height: 1.1;
  color: var(--navy-dark);
  margin-bottom: 16px;
}
.hero-title .highlight { color: var(--gold); }
.hero-tagline {
  font-size: 1.5rem;
  font-family: 'Playfair Display', serif;
  color: var(--gold);
  margin-bottom: 20px;
  font-style: italic;
}
.hero-sub {
  font-size: 1.05rem;
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 36px;
  max-width: 520px;
}
.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 48px;
}
.hero-stats {
  display: flex;
  gap: 32px;
  padding-top: 32px;
  border-top: 1px solid var(--mid-gray);
}
.stat-item { text-align: left; }
.stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--navy);
}
.stat-label {
  font-size: 0.75rem;
  color: var(--text-light);
  font-weight: 500;
  letter-spacing: 0.5px;
}
.hero-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}
.hero-logo-wrap {
  width: 380px;
  height: 380px;
  background: rgba(255,255,255,0.95);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 32px;
  box-shadow: 0 12px 48px rgba(0,0,0,0.35), 0 0 0 1px rgba(255,255,255,0.15);
}
.hero-logo-wrap img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}
.hero-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius);
  padding: 14px 18px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--mid-gray);
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  white-space: nowrap;
}
.hero-card-1 { top: 40px; left: -40px; }
.hero-card-2 { bottom: 60px; right: -30px; }

/* ============================================================
   ASSET SCROLL & TICKER
   ============================================================ */
.asset-scroll-wrap {
  background: var(--off-white);
  border-top: 1px solid var(--mid-gray);
  border-bottom: 1px solid var(--mid-gray);
  padding: 20px 0;
  overflow: hidden;
}
.asset-track {
  display: inline-flex;
  animation: ticker 30s linear infinite;
  gap: 0;
}
.asset-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  padding: 0 28px;
  letter-spacing: 0.5px;
  border-right: 1px solid var(--mid-gray);
  white-space: nowrap;
}
.asset-item span { color: var(--gold); font-size: 1rem; }
.ticker-wrap {
  background: var(--navy-dark);
  padding: 14px 0;
  overflow: hidden;
}
.ticker-track {
  display: inline-flex;
  animation: ticker 35s linear infinite;
}
.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.75);
  font-size: 0.8rem;
  font-weight: 500;
  letter-spacing: 1px;
  padding: 0 32px;
  white-space: nowrap;
}
.ticker-item span { color: var(--gold); }

/* ============================================================
   ABOUT SECTION
   ============================================================ */
#about {
  padding: 100px 0;
  background: var(--white);
}
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.about-check-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-top: 24px;
}
.about-check-list li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  color: var(--text-mid);
  line-height: 1.7;
}
.check-icon {
  flex-shrink: 0;
  width: 24px; height: 24px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-dark);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 800;
  margin-top: 2px;
}
.about-story {
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 40px;
  border: 1px solid var(--mid-gray);
  position: relative;
}
.quote-mark {
  font-family: 'Playfair Display', serif;
  font-size: 5rem;
  color: var(--gold);
  opacity: 0.3;
  line-height: 0.8;
  display: block;
  margin-bottom: 16px;
}
.about-story p {
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 16px;
}
.about-story p:last-of-type { margin-bottom: 0; }

/* ============================================================
   MISSION SECTION
   ============================================================ */
#mission {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  text-align: center;
}
.mission-inner { max-width: 800px; margin: 0 auto; }
.mission-inner .section-label { color: var(--gold); }
.mission-inner .section-title { color: var(--white); }
.mission-inner .divider { margin: 16px auto 32px; background: linear-gradient(90deg, var(--gold), var(--gold-light)); }
.mission-text {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.85);
  line-height: 1.9;
  margin-bottom: 48px;
}
.mission-pillars {
  display: flex;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.mission-pillar {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}
.pillar-label {
  font-size: 0.8rem;
  font-weight: 600;
  color: rgba(255,255,255,0.7);
  letter-spacing: 1px;
  text-transform: uppercase;
}

/* ============================================================
   COMPARE SECTION
   ============================================================ */
#compare {
  padding: 100px 0;
  background: var(--off-white);
}
.compare-intro {
  text-align: center;
  margin-bottom: 56px;
}
.compare-intro .section-subtitle {
  margin: 0 auto;
}
.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}
.compare-card {
  border-radius: var(--radius-lg);
  padding: 40px;
}
.compare-card.traditional {
  background: var(--white);
  border: 1px solid var(--mid-gray);
}
.compare-card.frontier {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  color: var(--white);
}
.compare-card-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  margin-bottom: 28px;
}
.compare-card.traditional .compare-card-title { color: var(--text-mid); }
.compare-card.frontier .compare-card-title { color: var(--gold); }
.compare-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.compare-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.9rem;
  line-height: 1.6;
}
.compare-card.traditional .compare-list li { color: var(--text-mid); }
.compare-card.frontier .compare-list li { color: rgba(255,255,255,0.85); }
.x-icon { color: #e53e3e; font-weight: 700; flex-shrink: 0; margin-top: 2px; }
.check-mark { color: var(--gold); font-weight: 700; flex-shrink: 0; margin-top: 2px; }
.compare-footer p {
  text-align: center;
  color: var(--text-mid);
  font-size: 1rem;
  line-height: 1.8;
  max-width: 760px;
  margin: 0 auto;
}

/* ============================================================
   SERVICES SECTION
   ============================================================ */
#services {
  padding: 100px 0;
  background: var(--white);
}
.services-intro {
  margin-bottom: 12px;
}
.service-tab-intro {
  max-width: 760px;
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 28px;
}
.service-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 40px;
}
.service-tab {
  appearance: none;
  border: 1px solid var(--mid-gray);
  background: var(--off-white);
  color: var(--text-mid);
  border-radius: 999px;
  padding: 12px 18px;
  font-family: 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  cursor: pointer;
  transition: all 0.2s ease;
}
.service-tab:hover { border-color: var(--gold); color: var(--navy); }
.service-tab.active {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--gold);
  box-shadow: var(--shadow-sm);
}
.service-panel { display: none; }
.service-panel.active { display: block; }
.category-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 32px;
  padding-bottom: 16px;
  border-bottom: 2px solid var(--mid-gray);
}
.category-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  color: var(--navy);
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
}
.service-card {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 28px;
  border: 1px solid var(--mid-gray);
  border-top: 3px solid var(--gold);
  transition: all 0.3s ease;
  position: relative;
}
.service-card:hover {
  background: var(--white);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.service-num {
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 2px;
  margin-bottom: 12px;
}
.service-card h4 {
  font-family: 'Playfair Display', serif;
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 10px;
}
.service-card p {
  font-size: 0.875rem;
  color: var(--text-mid);
  line-height: 1.7;
}

/* ============================================================
   PROCESS SECTION
   ============================================================ */
#platform {
  padding: 100px 0;
  background: var(--off-white);
}
.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 48px;
  position: relative;
}
.process-grid::before {
  content: '';
  position: absolute;
  top: 36px;
  left: 12%;
  right: 12%;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
  z-index: 0;
}
.process-step {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  border: 1px solid var(--mid-gray);
  position: relative;
  z-index: 1;
  transition: all 0.3s;
}
.process-step:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--gold);
  border-radius: 50%;
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem;
  font-weight: 700;
  margin: 0 auto 20px;
}
.process-step h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 12px;
}
.process-step p {
  font-size: 0.875rem;
  color: var(--text-mid);
  line-height: 1.7;
}

/* ============================================================
   RETROFIT SECTION
   ============================================================ */
#retrofit {
  padding: 100px 0;
  background: var(--white);
}
.retrofit-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
  margin-top: 40px;
}
.retrofit-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.retrofit-card {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 28px 24px;
  border: 1px solid var(--mid-gray);
  border-top: 3px solid var(--gold);
  transition: all 0.3s;
}
.retrofit-card:hover {
  background: var(--white);
  box-shadow: var(--shadow-md);
}
.retrofit-card h4 {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.retrofit-card p {
  font-size: 0.875rem;
  color: var(--text-mid);
  line-height: 1.7;
}

/* ============================================================
   PHILOSOPHY SECTION
   ============================================================ */
#philosophy {
  padding: 100px 0;
  background: var(--off-white);
}
.philosophy-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
  margin-top: 48px;
}
.philosophy-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px;
  border: 1px solid var(--mid-gray);
  transition: all 0.3s;
  position: relative;
}
.philosophy-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.p-num {
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 2px;
  margin-bottom: 10px;
  display: block;
}
.philosophy-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 12px;
}
.philosophy-card p {
  font-size: 0.88rem;
  color: var(--text-mid);
  line-height: 1.7;
}

/* ============================================================
   SERVICE STANDARDS
   ============================================================ */
#standards {
  padding: 100px 0;
  background: var(--white);
}
.standards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 24px;
  margin-top: 48px;
}
.standard-card {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 28px;
  border-left: 4px solid var(--gold);
  transition: all 0.3s;
}
.standard-card:hover {
  background: var(--white);
  box-shadow: var(--shadow-md);
}
.standard-num {
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 2px;
  margin-bottom: 8px;
}
.standard-card h4 {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 10px;
}
.standard-card p {
  font-size: 0.85rem;
  color: var(--text-mid);
  line-height: 1.7;
}
.standard-commit {
  font-size: 0.8rem;
  color: var(--navy);
  font-weight: 600;
  margin-top: 10px;
  padding-top: 10px;
  border-top: 1px solid var(--mid-gray);
}

/* ============================================================
   BROKER PARTNERSHIPS
   ============================================================ */
#broker-partnerships {
  padding: 100px 0;
  background: var(--off-white);
}
.broker-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.broker-benefits {
  list-style: none;
  padding: 0;
  margin: 0 0 32px;
}
.broker-benefits li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid var(--mid-gray);
  color: var(--text-mid);
  line-height: 1.7;
}
.broker-benefits li:last-child { border-bottom: none; }
.broker-benefits .benefit-mark {
  flex-shrink: 0;
  width: 24px; height: 24px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.65rem;
  font-weight: 800;
  margin-top: 2px;
}
.broker-cta-panel {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  color: var(--white);
}
.broker-cta-panel h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  color: var(--gold);
  margin-bottom: 12px;
}
.broker-cta-panel p {
  color: rgba(255,255,255,0.75);
  font-size: 0.95rem;
  line-height: 1.8;
  margin-bottom: 28px;
}
.broker-cta-btns {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.broker-cta-btns .btn {
  width: 100%;
  justify-content: center;
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.broker-cta-btns .btn:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
}
.broker-cta-btns .btn.btn-outline-light {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.4);
}
.broker-cta-btns .btn.btn-outline-light:hover {
  border-color: var(--gold);
  color: var(--gold);
}

/* ============================================================
   STRATEGIC PARTNERSHIP
   ============================================================ */
#strategic-partnership {
  padding: 100px 0;
  background: var(--white);
}
.strategic-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.strategic-badge {
  display: inline-block;
  background: var(--gold-pale);
  color: var(--navy);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 20px;
  border: 1px solid var(--gold);
  margin-bottom: 16px;
}
.integration-list {
  list-style: none;
  padding: 0;
  margin: 0 0 32px;
}
.integration-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 0;
  border-bottom: 1px solid var(--mid-gray);
  color: var(--text-mid);
  line-height: 1.7;
}
.integration-list li:last-child { border-bottom: none; }
.int-num {
  flex-shrink: 0;
  width: 28px; height: 28px;
  background: var(--navy);
  color: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 800;
  margin-top: 1px;
}
.strategic-callout {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.strategic-callout::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 180px; height: 180px;
  background: rgba(212,167,78,0.1);
  border-radius: 50%;
}
.strategic-callout h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  color: var(--gold);
  margin-bottom: 16px;
}
.strategic-callout p {
  color: rgba(255,255,255,0.8);
  font-size: 0.95rem;
  line-height: 1.8;
  margin-bottom: 16px;
}
.strategic-callout .divider {
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
}
.strategic-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 24px;
}
.strategic-tag {
  background: rgba(212,167,78,0.15);
  color: var(--gold);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 6px 12px;
  border-radius: 20px;
  border: 1px solid rgba(212,167,78,0.3);
}

/* ============================================================
   DEDICATED INQUIRY PATHS
   ============================================================ */
.path-section {
  padding: 84px 0;
  background: var(--off-white);
}
.path-section.alt { background: var(--white); }
.path-layout {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 36px;
  align-items: start;
}
.path-card,
.broker-anchor-card {
  background: var(--white);
  border: 1px solid var(--mid-gray);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-sm);
}
.alt .path-card,
.alt .broker-anchor-card { background: var(--off-white); }
.path-kicker {
  display: inline-block;
  margin-bottom: 14px;
  padding: 7px 14px;
  border-radius: 999px;
  background: var(--gold-pale);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 1.4px;
  text-transform: uppercase;
}
.path-list {
  list-style: none;
  display: grid;
  gap: 12px;
  margin: 24px 0 0;
  padding: 0;
}
.path-list li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  color: var(--text-mid);
  line-height: 1.75;
}
.path-list .benefit-mark {
  flex-shrink: 0;
  width: 22px; height: 22px;
  background: var(--navy);
  color: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.62rem;
  font-weight: 800;
  margin-top: 3px;
}
.path-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}
.prefill-note {
  margin-top: 14px;
  font-size: 0.82rem;
  color: var(--text-light);
}
.broker-anchor-grid { display: grid; gap: 16px; }
.broker-anchor-card h3,
.path-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 12px;
}
.broker-anchor-card p,
.path-card p { color: var(--text-mid); line-height: 1.8; }

/* ============================================================
   CTA BANNER
   ============================================================ */
#cta {
  padding: 100px 0;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-mid) 100%);
  position: relative;
  overflow: hidden;
  text-align: center;
}
#cta::before {
  content: '';
  position: absolute;
  top: -200px; left: 50%;
  transform: translateX(-50%);
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(212,167,78,0.1) 0%, transparent 70%);
  border-radius: 50%;
}
.cta-inner { position: relative; z-index: 1; max-width: 760px; margin: 0 auto; }
.cta-inner .section-label { color: var(--gold); }
.cta-title {
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--white);
  margin-bottom: 16px;
}
.cta-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.8;
  margin-bottom: 40px;
}
.cta-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ============================================================
   CONTACT / FORMS
   ============================================================ */
#contact {
  padding: 100px 0;
  background: var(--off-white);
}
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 64px;
  align-items: start;
}
.contact-info-cards {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 32px;
}
.contact-info-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 20px 24px;
  display: flex;
  align-items: flex-start;
  gap: 16px;
  border: 1px solid var(--mid-gray);
  box-shadow: var(--shadow-sm);
}
.contact-info-card .ci-icon {
  width: 44px; height: 44px;
  min-width: 44px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
}
.contact-info-card .ci-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--gold);
  margin-bottom: 4px;
}
.contact-info-card .ci-val {
  font-size: 0.9rem;
  color: var(--navy);
  font-weight: 500;
  line-height: 1.5;
}
.contact-promise {
  background: linear-gradient(135deg, var(--navy), var(--navy-dark));
  border-radius: var(--radius);
  padding: 24px;
  margin-top: 20px;
}
.contact-promise p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.85);
  line-height: 1.7;
}
.contact-promise strong { color: var(--gold); }
.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--mid-gray);
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 6px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--mid-gray);
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 0.9rem;
  color: var(--text-dark);
  background: var(--white);
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(212,167,78,0.15);
}
.form-group textarea { min-height: 120px; resize: vertical; }
.form-group 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='%231a3a52' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
}
.form-submit-btn {
  width: 100%;
  padding: 15px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--white);
  border: none;
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.3s;
  letter-spacing: 0.5px;
}
.form-submit-btn:hover {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  box-shadow: 0 8px 24px rgba(26,58,82,0.3);
  transform: translateY(-2px);
}
.form-success {
  display: none;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--white);
  border-radius: var(--radius);
  padding: 24px;
  margin-top: 20px;
  text-align: center;
}
.form-success.visible { display: block; }
.form-success p { color: rgba(255,255,255,0.9); line-height: 1.7; }
.form-success strong { color: var(--gold); }

/* ============================================================
   PAGE HERO (interior pages)
   ============================================================ */
.page-hero {
  padding: 160px 0 80px;
  margin-top: 0;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -100px; left: 50%;
  transform: translateX(-50%);
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(212,167,78,0.1) 0%, transparent 70%);
  border-radius: 50%;
}
.page-hero .section-label { color: var(--gold); }
.page-hero h1 {
  font-size: clamp(2rem, 5vw, 3.5rem);
  color: var(--white);
  margin-bottom: 20px;
  position: relative; z-index: 1;
}
.page-hero p {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.8);
  max-width: 680px;
  margin: 0 auto;
  line-height: 1.8;
  position: relative; z-index: 1;
}
.page-hero .section-label { position: relative; z-index: 1; }
.page-hero .divider { margin: 16px auto 24px; background: linear-gradient(90deg, var(--gold), var(--gold-light)); }

/* ============================================================
   FOOTER
   ============================================================ */
#footer {
  background: var(--navy-dark);
  padding: 64px 0 32px;
  color: rgba(255,255,255,0.75);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand img {
  height: 90px;
  width: auto;
  display: block;
  background: #ffffff;
  border-radius: 10px;
  padding: 10px 14px;
  margin-bottom: 16px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.3);
}
.footer-brand-name {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  color: var(--white);
  margin-bottom: 4px;
}
.footer-brand-tag {
  font-size: 0.75rem;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-desc {
  font-size: 0.85rem;
  line-height: 1.8;
  color: rgba(255,255,255,0.6);
  margin-bottom: 20px;
}
.footer-social { display: flex; gap: 10px; }
.social-btn {
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.7);
  transition: all 0.2s;
  border: 1px solid rgba(255,255,255,0.1);
}
.social-btn:hover { background: var(--gold); color: var(--navy-dark); border-color: var(--gold); }
.footer-col h5 {
  font-family: 'Inter', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--gold);
  margin-bottom: 20px;
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 0.875rem; color: rgba(255,255,255,0.65); transition: color 0.2s; }
.footer-links a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.45); }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { font-size: 0.8rem; color: rgba(255,255,255,0.45); transition: color 0.2s; }
.footer-bottom-links a:hover { color: var(--gold); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero-visual { display: none; }
  .about-grid, .retrofit-grid, .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid::before { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .compare-grid { grid-template-columns: 1fr; }
  .broker-grid, .strategic-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .hero-stats { gap: 20px; flex-wrap: wrap; }
  .process-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .mission-pillars { gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .hero-buttons { flex-direction: column; }
  .cta-buttons { flex-direction: column; align-items: center; }
  .hero-card { display: none; }
  .retrofit-cards { grid-template-columns: 1fr; }
  .path-layout { grid-template-columns: 1fr; }
  .path-actions .btn { width: 100%; justify-content: center; }
  .service-tabs { flex-direction: column; }
  .service-tab { width: 100%; text-align: left; }
}

/* ============================================================
   MANAGEMENT TRANSITION PANEL
   ============================================================ */

/* Intro callout block */
.transition-intro {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  border-radius: var(--radius-lg);
  padding: 40px 44px;
  margin-bottom: 40px;
  position: relative;
  overflow: hidden;
}
.transition-intro::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 240px; height: 240px;
  background: radial-gradient(circle, rgba(212,167,78,0.12) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.transition-intro-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 40px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.transition-lead {
  font-size: 0.97rem;
  color: rgba(255,255,255,0.82);
  line-height: 1.85;
  margin-bottom: 14px;
}
.transition-lead:last-child { margin-bottom: 0; }

/* Accent badge on the right */
.transition-badge {
  background: rgba(212,167,78,0.12);
  border: 1px solid rgba(212,167,78,0.35);
  border-radius: var(--radius);
  padding: 24px 28px;
  text-align: center;
  min-width: 200px;
  flex-shrink: 0;
}
.tb-label {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}
.tb-line {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  color: var(--white);
  font-weight: 700;
  margin-bottom: 10px;
  line-height: 1.3;
}
.tb-sub {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.6;
}

/* CTA strip at the bottom of the panel */
.transition-cta-strip {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 40px;
  align-items: center;
  margin-top: 48px;
  padding: 32px 40px;
  background: var(--off-white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--mid-gray);
  border-left: 4px solid var(--gold);
}
.tcs-label {
  display: block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
.tcs-text {
  font-size: 0.92rem;
  color: var(--text-mid);
  line-height: 1.8;
  max-width: 640px;
}
.tcs-right {
  display: flex;
  flex-direction: column;
  gap: 10px;
  flex-shrink: 0;
  min-width: 240px;
}
.tcs-right .btn {
  width: 100%;
  justify-content: center;
}

@media (max-width: 900px) {
  .transition-intro-inner { grid-template-columns: 1fr; }
  .transition-badge-wrap { display: flex; justify-content: flex-start; }
  .transition-cta-strip { grid-template-columns: 1fr; }
  .tcs-right { min-width: unset; }
}
@media (max-width: 600px) {
  .transition-intro { padding: 28px 24px; }
  .transition-cta-strip { padding: 24px 20px; }
}
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}
@keyframes ticker {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.animate-up {
  opacity: 0;
  animation: fadeInUp 0.7s ease forwards;
}
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }
.delay-4 { animation-delay: 0.4s; }