:root{
  --navy:#0b1a2b;
  --navy-2:#102842;
  --ink:#13243a;
  --paper:#f7f4ee;
  --paper-2:#efe9dd;
  --gold:#c9a96a;
  --gold-2:#a8884a;
  --muted:#6b7a8c;
  --line:rgba(11,26,43,.12);
  --line-dark:rgba(255,255,255,.12);
  --maxw:1200px;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family:'Inter',system-ui,-apple-system,sans-serif;
  color:var(--ink);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
  line-height:1.55;
}
.container{max-width:var(--maxw);margin:0 auto;padding:0 28px}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%;display:block}

h1,h2,h3,h4,h5,blockquote{
  font-family:'Fraunces',Georgia,serif;
  font-weight:500;
  letter-spacing:-.01em;
  line-height:1.15;
  margin:0 0 .5em;
}
h1{font-size:clamp(2.4rem,5vw,4rem)}
h2{font-size:clamp(1.8rem,3.2vw,2.6rem)}
h3{font-size:1.35rem}
h4{font-size:1.1rem}
.eyebrow{
  font-family:'Inter',sans-serif;
  text-transform:uppercase;
  font-size:.78rem;
  letter-spacing:.18em;
  color:var(--gold-2);
  font-weight:600;
  margin:0 0 1rem;
}
.eyebrow.center,h2.center{text-align:center}
.accent{color:var(--gold-2);font-style:italic;font-weight:500}
.lede{font-size:1.12rem;color:#3b4a5d;max-width:60ch}
.muted{color:var(--muted)}
.small{font-size:.85rem}

/* Header */
.site-header{
  position:sticky;top:0;z-index:20;
  background:rgba(247,244,238,.85);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:18px 28px}
.brand{display:flex;align-items:center;gap:12px;font-weight:600}
.brand-mark{
  width:38px;height:38px;border-radius:50%;
  background:var(--navy);color:var(--gold);
  display:grid;place-items:center;
  font-family:'Fraunces',serif;font-weight:600;
  letter-spacing:.02em;
}
.brand-text{font-family:'Fraunces',serif;font-size:1.15rem}
.brand-text em{font-style:italic;color:var(--gold-2);font-weight:500}
.primary-nav{display:flex;gap:28px}
.primary-nav a{font-size:.95rem;color:#3b4a5d}
.primary-nav a:hover{color:var(--navy)}

/* Buttons */
.btn{
  display:inline-block;padding:12px 22px;border-radius:2px;
  font-size:.92rem;font-weight:500;letter-spacing:.02em;
  transition:all .2s ease;cursor:pointer;border:1px solid transparent;
}
.btn-primary{background:var(--navy);color:var(--paper)}
.btn-primary:hover{background:var(--navy-2)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:var(--paper)}
.btn-link{color:var(--navy);font-weight:600;padding:12px 0}
.btn-link:hover{color:var(--gold-2)}

/* Hero */
.hero{
  background:
    radial-gradient(1200px 600px at 80% -10%,rgba(201,169,106,.18),transparent 60%),
    linear-gradient(180deg,var(--paper) 0%,var(--paper-2) 100%);
  padding:80px 0 90px;
}
.hero-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:60px;align-items:center}
.cta-row{display:flex;gap:16px;align-items:center;margin:28px 0 36px;flex-wrap:wrap}
.hero-stats{
  display:grid;grid-template-columns:repeat(4,1fr);gap:24px;
  margin:0;padding-top:28px;border-top:1px solid var(--line);
}
.hero-stats dt{font-size:.72rem;text-transform:uppercase;letter-spacing:.15em;color:var(--muted);margin-bottom:6px}
.hero-stats dd{margin:0;font-family:'Fraunces',serif;font-size:1.4rem}

.hero-card{padding:0}
.ticker-card{
  background:var(--navy);color:#dfe7f0;
  border-radius:8px;padding:28px;
  box-shadow:0 30px 60px -20px rgba(11,26,43,.35);
  border:1px solid rgba(201,169,106,.15);
}
.ticker-row{
  display:flex;justify-content:space-between;
  padding:10px 0;border-bottom:1px solid var(--line-dark);
  font-size:.95rem;font-variant-numeric:tabular-nums;
}
.ticker-row:last-of-type{border:0}
.up{color:#7fd9a1}.down{color:#f0a5a5}
.chart{margin-top:16px}
.chart svg{width:100%;height:80px}
.ticker-foot{margin:14px 0 0;font-size:.7rem;color:#8aa0b8;text-align:right}

/* Bands */
.band{padding:90px 0;border-top:1px solid var(--line)}
.band-alt{background:#fff}
.band-dark{background:var(--navy);color:#dfe7f0}
.band-dark .eyebrow{color:var(--gold)}
.band-cta{background:linear-gradient(180deg,#fff,var(--paper-2))}

.two-col{display:grid;grid-template-columns:1fr 1.2fr;gap:80px;align-items:start}
.prose p{margin:0 0 1em;color:#3b4a5d;font-size:1.05rem}

/* Strategies cards */
.cards{
  display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:50px;
}
.card{
  background:var(--paper);border:1px solid var(--line);
  padding:36px 32px;border-radius:4px;
  transition:transform .3s ease,box-shadow .3s ease;
  display:flex;flex-direction:column;
}
.card:hover{transform:translateY(-4px);box-shadow:0 20px 40px -20px rgba(11,26,43,.2)}
.card-num{
  font-family:'Fraunces',serif;font-size:.95rem;color:var(--gold-2);
  letter-spacing:.15em;margin-bottom:18px;
}
.card p{color:#3b4a5d;margin:0 0 22px}
.meta{list-style:none;padding:0;margin:auto 0 0;border-top:1px solid var(--line);padding-top:18px}
.meta li{font-size:.85rem;color:var(--muted);padding:4px 0}

/* Pillars */
.pillars{
  display:grid;grid-template-columns:repeat(4,1fr);gap:36px;margin-top:50px;
}
.pillar h4{margin-bottom:10px;color:var(--navy)}
.pillar p{margin:0;color:#3b4a5d;font-size:.97rem}

/* Quote */
.quote-wrap{max-width:820px;text-align:center}
blockquote{margin:0}
blockquote p{
  font-family:'Fraunces',serif;font-size:clamp(1.4rem,2.4vw,2rem);
  font-style:italic;line-height:1.4;margin:0 0 18px;color:#e9eef5;
}
blockquote footer{font-size:.85rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold)}

/* Insights */
.insights{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:50px}
.insight{
  background:#fff;border:1px solid var(--line);padding:32px;border-radius:4px;
  display:flex;flex-direction:column;transition:all .25s;
}
.insight:hover{border-color:var(--gold);transform:translateY(-3px)}
.tag{
  font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;
  color:var(--gold-2);font-weight:600;margin-bottom:14px;
}
.insight h3{margin-bottom:10px}
.insight p{color:#3b4a5d;margin:0 0 18px}
.meta-line{margin-top:auto;font-size:.8rem;color:var(--muted)}

/* CTA */
.cta{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}
.contact-form{display:grid;gap:14px;background:#fff;padding:32px;border-radius:6px;border:1px solid var(--line)}
.contact-form label{display:grid;gap:6px;font-size:.85rem;color:var(--muted);font-weight:500}
.contact-form input,.contact-form textarea{
  font:inherit;color:var(--ink);
  padding:11px 14px;border:1px solid var(--line);border-radius:3px;background:var(--paper);
}
.contact-form input:focus,.contact-form textarea:focus{outline:2px solid var(--gold);border-color:transparent}
.form-msg{margin:0;color:#2f7a4f;font-size:.9rem;min-height:1.2em}

/* Footer */
.site-footer{background:var(--navy);color:#aebcce;padding:60px 0 30px;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid var(--line-dark)}
.site-footer .brand{color:#fff;margin-bottom:14px}
.site-footer .brand-mark{background:var(--gold);color:var(--navy)}
.site-footer h5{font-family:'Inter',sans-serif;font-size:.8rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;font-weight:600}
.site-footer a{display:block;padding:4px 0;color:#aebcce;font-size:.92rem}
.site-footer a:hover{color:#fff}
.disclaimer{padding-top:30px}
.disclaimer p{font-size:.78rem;color:#8aa0b8;max-width:90ch;margin:0;line-height:1.7}
.disclaimer strong{color:#c5d2e2}

/* Responsive */
@media(max-width:960px){
  .hero-grid,.two-col,.cta{grid-template-columns:1fr;gap:40px}
  .cards,.pillars,.insights,.footer-grid,.process-grid{grid-template-columns:1fr 1fr}
  .hero-stats{grid-template-columns:repeat(2,1fr)}
  .primary-nav{display:none}
}
@media(max-width:600px){
  .cards,.pillars,.insights,.footer-grid,.process-grid{grid-template-columns:1fr}
  .band{padding:60px 0}
  .hero{padding:50px 0 60px}
  .row-2{grid-template-columns:1fr !important}
}

/* Sector list (hero card) */
.card-label{font-size:.72rem;text-transform:uppercase;letter-spacing:.18em;color:var(--gold);margin:0 0 14px;font-weight:600}
.sector-list{list-style:none;padding:0;margin:0 0 18px}
.sector-list li{display:flex;align-items:center;gap:10px;padding:8px 0;border-bottom:1px solid var(--line-dark);font-size:.93rem;color:#dfe7f0}
.sector-list li:last-child{border:0}
.sector-list .dot{width:6px;height:6px;border-radius:50%;background:var(--gold);flex-shrink:0}

/* Process steps */
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:50px}
.step{background:#fff;border:1px solid var(--line);padding:32px 26px;border-radius:4px;position:relative;display:flex;flex-direction:column}
.step-num{
  width:42px;height:42px;border-radius:50%;
  background:var(--navy);color:var(--gold);
  display:grid;place-items:center;font-family:'Fraunces',serif;font-size:1.1rem;font-weight:600;
  margin-bottom:18px;
}
.step h4{margin-bottom:8px;color:var(--navy)}
.step p{color:#3b4a5d;font-size:.95rem;margin:0 0 18px}
.step-time{margin-top:auto;font-size:.78rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-2);font-weight:600}

/* Checklist (submit section) */
.checklist{list-style:none;padding:0;margin:28px 0 0;display:grid;gap:10px}
.checklist li{font-size:.97rem;color:#3b4a5d}

/* Form row */
.row-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.contact-form select{font:inherit;color:var(--ink);padding:11px 14px;border:1px solid var(--line);border-radius:3px;background:var(--paper)}
.contact-form select:focus{outline:2px solid var(--gold);border-color:transparent}