/* ========================================
   DESIGN SYSTEM — Premier Wealth Management
   Font: Outfit (Google Fonts)
   Brand Colors: Maroon, Metallic Silver, White
   ======================================== */

/* --- CSS Custom Properties --- */
:root {
  /* Brand Colors */
  --maroon: #7B1F30;
  --maroon-dark: #5A1522;
  --maroon-light: #9B3347;

  /* Classy Silver Palette */
  --silver: #94A3B8;
  --silver-light: #E2E8F0;
  --silver-dark: #64748B;
  --silver-pale: #F1F5F9;
  --silver-metallic: linear-gradient(135deg, #F8FAFC 0%, #E2E8F0 50%, #94A3B8 100%);
  --silver-gradient: linear-gradient(135deg, #E2E8F0 0%, #CBD5E1 50%, #94A3B8 100%);
  
  --white: #FFFFFF;
  --off-white: #FAFAF7;
  --cream: #F1F5F9; /* Changed to light silver from #F8F5EE */
  --gray-50: #F9F9F9;
  --gray-100: #F3F3F3;
  --gray-200: #E8E8E8;
  --gray-300: #D1D1D1;
  --gray-400: #A0A0A0;
  --gray-500: #6B6B6B;
  --gray-600: #4A4A4A;
  --gray-700: #333333;
  --gray-800: #1F1F1F;
  --gray-900: #111111;
}

:root {
  /* Typography - STRICT OUTFIT FONT ONLY */
  --font-primary: 'Outfit', sans-serif;
  --font-weight-light: 300;
  --font-weight-regular: 400;
  --font-weight-medium: 500;
  --font-weight-semibold: 600;
  --font-weight-bold: 700;

  /* Spacing */
  --space-xs: 0.25rem;
  --space-sm: 0.5rem;
  --space-md: 1rem;
  --space-lg: 1.5rem;
  --space-xl: 2rem;
  --space-2xl: 3rem;
  --space-3xl: 4rem;
  --space-4xl: 6rem;
  --space-5xl: 8rem;

  /* Border radius */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  /* Transitions */
  --transition-fast: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-base: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 0.5s cubic-bezier(0.4, 0, 0.2, 1);

  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(123, 31, 48, 0.06);
  --shadow-md: 0 4px 12px rgba(123, 31, 48, 0.08);
  --shadow-lg: 0 8px 30px rgba(123, 31, 48, 0.1);
  --shadow-xl: 0 20px 60px rgba(123, 31, 48, 0.12);
  --shadow-silver: 0 4px 20px rgba(148, 163, 184, 0.25);

  /* Layout */
  --container-max: 1200px;
  --container-wide: 1400px;
  --header-height: 80px;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-primary) !important;
  font-weight: var(--font-weight-regular);
  color: var(--gray-700);
  background-color: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition-fast);
}

ul, ol {
  list-style: none;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-primary) !important;
  font-weight: var(--font-weight-semibold);
  line-height: 1.25;
  color: var(--gray-800);
}

/* --- Utility Classes --- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--space-xl);
}

.container-wide {
  max-width: var(--container-wide);
  margin: 0 auto;
  padding: 0 var(--space-xl);
}

.section {
  padding: var(--space-5xl) 0;
}

.section-sm {
  padding: var(--space-3xl) 0;
}

.text-center { text-align: center; }
.text-maroon { color: var(--maroon); }
.text-silver { color: var(--silver); }
.text-white { color: var(--white); }

/* --- Section Headers --- */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: var(--space-sm);
  font-size: 0.8rem;
  font-weight: var(--font-weight-semibold);
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--silver-dark);
  margin-bottom: var(--space-lg);
  font-family: var(--font-primary) !important;
}

.section-label::before {
  content: '';
  display: inline-block;
  width: 28px;
  height: 2px;
  background: var(--silver);
}

.section-title {
  font-family: var(--font-primary) !important;
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: var(--font-weight-bold);
  color: var(--gray-800);
  margin-bottom: var(--space-md);
}

.section-subtitle {
  font-family: var(--font-primary) !important;
  font-size: 1.05rem;
  color: var(--gray-500);
  max-width: 640px;
  line-height: 1.75;
}

/* ========================================
   HEADER / NAVIGATION
   ======================================== */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(123, 31, 48, 0.06);
  transition: all var(--transition-base);
  height: var(--header-height);
}

.header.scrolled {
  box-shadow: var(--shadow-md);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
  max-width: var(--container-wide);
  margin: 0 auto;
  padding: 0 var(--space-xl);
}

.logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

.logo img {
  height: 48px;
  width: auto;
}

/* Desktop Navigation */
.nav-desktop {
  display: flex;
  align-items: center;
  gap: var(--space-2xl);
}

.nav-link {
  position: relative;
  font-size: 1rem;
  font-weight: var(--font-weight-semibold);
  color: var(--gray-700);
  padding: var(--space-sm) 0;
  transition: color var(--transition-fast);
  cursor: pointer;
  font-family: var(--font-primary) !important;
}

.nav-link:hover,
.nav-link.active {
  color: var(--maroon);
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--silver);
  border-radius: 1px;
}

.nav-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-xs);
  padding: 0.5rem 1.25rem;
  background: var(--maroon);
  color: #fff;
  font-size: 0.8rem;
  font-weight: var(--font-weight-semibold);
  border-radius: var(--radius-full);
  border: none;
  cursor: pointer;
  transition: all var(--transition-base);
  letter-spacing: 0.02em;
}

.nav-cta:hover {
  background: var(--maroon-dark);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

/* Mega Menu */
.nav-item-dropdown {
  position: relative;
}

.mega-menu {
  position: absolute;
  top: calc(100% + 16px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  min-width: 680px;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--gray-200);
  border-top: 3px solid var(--silver);
  padding: var(--space-2xl);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: all var(--transition-base);
  z-index: 100;
}

/* Invisible bridge so hover doesn't drop out while crossing the gap to the menu */
.mega-menu::before {
  content: '';
  position: absolute;
  top: -20px;
  left: 0;
  right: 0;
  height: 20px;
}

.nav-item-dropdown:hover .mega-menu {
  opacity: 1;
  visibility: visible;
  pointer-events: all;
  transform: translateX(-50%) translateY(0);
}

.mega-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-xl);
}

.mega-column h4 {
  font-size: 0.72rem;
  font-weight: var(--font-weight-bold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--maroon);
  margin-bottom: var(--space-md);
  padding-bottom: var(--space-sm);
  border-bottom: 1px solid var(--gray-200);
}

.mega-column ul li a {
  display: block;
  font-size: 0.82rem;
  color: var(--gray-600);
  padding: 5px 0;
  transition: all var(--transition-fast);
}

.mega-column ul li a:hover {
  color: var(--maroon);
  padding-left: 6px;
}

.fund-menu {
  min-width: 300px;
  padding: var(--space-lg);
}

.fund-menu-grid {
  display: block;
}

.fund-menu .mega-column h4 {
  margin-bottom: var(--space-sm);
}

.mobile-fund-link {
  padding-left: var(--space-lg) !important;
  font-size: 1rem !important;
  color: var(--gray-500) !important;
}

.mobile-fund-link:hover {
  color: var(--maroon) !important;
}

/* Mobile Menu Toggle */
.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: var(--space-sm);
  border: none;
  background: none;
}

.mobile-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--gray-700);
  border-radius: 2px;
  transition: all var(--transition-base);
}

.mobile-toggle.active span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}

.mobile-toggle.active span:nth-child(2) {
  opacity: 0;
}

.mobile-toggle.active span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* Mobile Navigation */
.nav-mobile {
  display: none;
  position: fixed;
  top: var(--header-height);
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--white);
  padding: var(--space-2xl);
  z-index: 999;
  overflow-y: auto;
}

.nav-mobile.active {
  display: block;
  animation: slideDown 0.3s ease-out;
}

@keyframes slideDown {
  from { opacity: 0; transform: translateY(-12px); }
  to { opacity: 1; transform: translateY(0); }
}

.nav-mobile .mobile-link {
  display: block;
  font-size: 1.2rem;
  font-weight: var(--font-weight-semibold);
  color: var(--gray-700);
  padding: var(--space-md) 0;
  border-bottom: 1px solid var(--gray-100);
}

.nav-mobile .mobile-link:hover,
.nav-mobile .mobile-link.active {
  color: var(--maroon);
}

.nav-mobile .mobile-cta {
  display: block;
  text-align: center;
  margin-top: var(--space-xl);
  padding: var(--space-md) var(--space-xl);
  background: var(--maroon);
  color: var(--white);
  border-radius: var(--radius-full);
  font-weight: var(--font-weight-semibold);
}

/* ========================================
   HERO SLIDER
   ======================================== */
.hero-slider-container {
  position: relative;
  overflow: hidden;
  margin-top: var(--header-height);
}

.home-hero {
  min-height: 75vh;
  display: flex;
  align-items: center;
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(123, 31, 48, 0.6) 0%,
    rgba(55, 55, 55, 0.6) 50%,
    rgba(123, 31, 48, 0.4) 100%
  );
  z-index: 1;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: var(--space-5xl) var(--space-xl);
  color: #FFFFFF;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-sm);
  padding: 0.4rem 1rem;
  background: rgba(226, 232, 240, 0.2);
  border: 1px solid rgba(226, 232, 240, 0.4);
  border-radius: var(--radius-full);
  font-size: 0.78rem;
  font-weight: var(--font-weight-semibold);
  color: #F8FAFC;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: var(--space-xl);
  backdrop-filter: blur(8px);
}

.hero-badge svg {
  width: 14px;
  height: 14px;
  fill: currentColor;
}

.hero-title {
  font-family: var(--font-primary) !important;
  font-size: clamp(2.2rem, 5vw, 3.5rem);
  font-weight: var(--font-weight-bold);
  color: #FFFFFF;
  line-height: 1.15;
  margin-bottom: var(--space-lg);
  max-width: 700px;
}

.hero-title span {
  color: #E2E8F0;
}

.hero-description {
  font-size: clamp(1rem, 1.5vw, 1.15rem);
  color: rgba(255, 255, 255, 0.9);
  max-width: 560px;
  line-height: 1.8;
  margin-bottom: var(--space-2xl);
}

.hero-actions {
  display: flex;
  gap: var(--space-md);
  flex-wrap: wrap;
}

.hero-actions .btn {
  min-height: 38px;
  padding: 0.45rem 1.15rem;
  font-size: 0.84rem;
  white-space: nowrap;
}

.hero-actions .btn svg {
  width: 15px;
  height: 15px;
  flex: 0 0 15px;
}

/* --- Resources & Forms --- */
.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-md);
}

.resources-hero {
  min-height: 400px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0;
}

.resources-hero .hero-content {
  text-align: center;
  z-index: 2;
}

.resources-hero .hero-description {
  margin: 0 auto;
}

.resources-section {
  background: var(--cream);
}

.resources-intro {
  max-width: 620px;
  margin: 0 auto var(--space-3xl);
}

.resources-intro .section-label {
  display: block;
  margin-bottom: var(--space-sm);
}

.resource-group {
  margin-bottom: var(--space-3xl);
}

.resource-group-heading {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  margin-bottom: var(--space-lg);
  border-bottom: 1px solid var(--gray-300);
  padding-bottom: var(--space-sm);
}

.resource-group-heading h3 {
  color: var(--maroon);
  font-size: 1.6rem;
}

.resource-group-number,
.resource-card-icon {
  color: var(--silver-dark);
  font-weight: var(--font-weight-bold);
  letter-spacing: 0.08em;
}

.resource-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--space-lg);
}

.resource-grid-three {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.resource-grid-3col {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.resource-card {
  display: flex;
  flex-direction: column;
  min-height: 245px;
  padding: var(--space-lg);
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-top: 4px solid var(--maroon);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-base), box-shadow var(--transition-base), border-color var(--transition-base);
  scroll-margin-top: 110px;
}

.resource-card:hover,
.resource-card:target {
  transform: translateY(-4px);
  border-color: var(--silver);
  box-shadow: var(--shadow-silver);
}

.resource-card-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  margin-bottom: var(--space-md);
  background: var(--silver-pale);
  border-radius: 50%;
  font-size: 0.75rem;
}

.resource-card h4 {
  color: var(--maroon);
  font-size: 1.08rem;
  margin-bottom: var(--space-sm);
}

.resource-card p {
  color: var(--gray-500);
  font-size: 0.88rem;
  line-height: 1.55;
}

.resource-card-actions {
  display: flex;
  gap: var(--space-sm);
  margin-top: auto;
  padding-top: var(--space-lg);
}

.resource-card-actions a {
  flex: 1;
  padding: 0.55rem 0.5rem;
  border: 1px solid var(--maroon);
  border-radius: var(--radius-sm);
  color: var(--maroon);
  font-size: 0.78rem;
  font-weight: var(--font-weight-bold);
  text-align: center;
}

.resource-card-actions a:first-child,
.resource-card-actions a:hover {
  background: var(--maroon);
  color: var(--white);
}

.assistance-banner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-xl);
  padding: var(--space-xl) var(--space-2xl);
  background: linear-gradient(135deg, var(--maroon), var(--maroon-dark));
  border-radius: var(--radius-lg);
  color: var(--white);
}

.assistance-banner h3 {
  color: var(--white);
  margin: 0.15rem 0;
}

.assistance-banner p {
  color: rgba(255,255,255,0.78);
  font-size: 0.9rem;
}

.assistance-banner .section-label {
  color: var(--silver-light);
}

.assistance-banner .btn svg {
  width: 17px;
  height: 17px;
  fill: currentColor;
}

/* --- Our Funds --- */
.fund-hero { background: var(--maroon-dark); }
.fund-section { background: var(--cream); }
.projection-section + .fund-section { padding-top: var(--space-xl); }
.fund-heading { text-align: center; margin-bottom: var(--space-3xl); }
.fund-heading .section-label, .fund-resources-heading .section-label { display: block; margin-bottom: var(--space-sm); }
.fund-overview-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--space-lg); margin-bottom: var(--space-3xl); }
.fund-copy-block { padding: var(--space-xl); background: var(--white); border-left: 4px solid var(--maroon); border-radius: var(--radius-md); box-shadow: var(--shadow-sm); }
.fund-copy-block h3, .fund-table-block h3, .fund-resource-group h3 { color: var(--maroon); }
.fund-copy-block h3 { margin-bottom: var(--space-sm); font-size: 1.15rem; }
.fund-copy-block p { color: var(--gray-600); line-height: 1.7; }
.fund-table-block { margin-bottom: var(--space-3xl); }
.fund-table-block > h3 { display: flex; align-items: center; gap: var(--space-sm); margin-bottom: var(--space-md); font-size: 1.35rem; }
.fund-table-block > h3::before { content: ''; display: inline-block; width: 5px; height: 24px; background: var(--silver); border-radius: 3px; }
.table-scroll { overflow-x: auto; background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-md); box-shadow: var(--shadow-sm); }
.fund-table { width: 100%; min-width: 680px; border-collapse: collapse; color: var(--gray-700); }
.fund-table th, .fund-table td { padding: 1rem 1.1rem; border-bottom: 1px solid var(--gray-200); text-align: left; vertical-align: top; line-height: 1.55; }
.fund-table th { background: var(--maroon); color: var(--white); font-size: 0.82rem; font-weight: var(--font-weight-bold); letter-spacing: 0.04em; text-transform: uppercase; }
.fund-table tbody tr:last-child td { border-bottom: none; }
.fund-table tbody tr:nth-child(even) td { background: var(--silver-pale); }
.asset-table th:nth-child(1) { width: 57%; }
.asset-table th:nth-child(2) { width: 25%; }
.asset-table th:nth-child(3) { width: 18%; }
.fee-table { min-width: 0; }
.fee-table th:first-child, .fee-table td:first-child { width: 50%; }
.fund-download { display: flex; flex-wrap: wrap; gap: 0.35rem; align-items: center; margin: calc(var(--space-3xl) * -0.5) 0 var(--space-3xl); color: var(--gray-700); font-size: 1rem; }
.fund-download a, .fund-resource-group a { color: var(--maroon); font-weight: var(--font-weight-semibold); text-decoration: underline; text-decoration-color: var(--silver); text-underline-offset: 3px; }
.fund-download a:hover, .fund-resource-group a:hover { color: var(--maroon-dark); text-decoration-color: var(--maroon); }
.fund-resources { padding-top: var(--space-xl); border-top: 1px solid var(--gray-300); }
.fund-resources-heading { margin-bottom: var(--space-xl); }
.fund-resources-heading .section-title { font-size: clamp(1.6rem, 2.5vw, 2.2rem); }
.fund-resource-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--space-lg); }
.fund-resource-group { padding: var(--space-lg); background: var(--white); border-top: 3px solid var(--silver); border-radius: var(--radius-md); box-shadow: var(--shadow-sm); }
.fund-resource-group h3 { margin-bottom: var(--space-md); font-size: 1rem; letter-spacing: 0.05em; text-transform: uppercase; }
.fund-resource-group li + li { margin-top: var(--space-sm); }
.fund-resource-group a { font-size: 0.92rem; }

/* --- Insights --- */
.insights-hero { background: var(--maroon-dark); }
.footer-expanded + .footer { display: none; }

/* --- Contact Us --- */
.contact-hero { background: var(--maroon-dark); }
.contact-section { background: var(--cream); }
.contact-intro { max-width: 680px; margin: 0 auto var(--space-3xl); }
.contact-intro .section-label { display: block; margin-bottom: var(--space-sm); }
.contact-map { height: 390px; overflow: hidden; margin-bottom: var(--space-3xl); border: 1px solid var(--gray-200); border-top: 4px solid var(--maroon); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); background: var(--silver-pale); }
.contact-map iframe { width: 100%; height: 100%; border: 0; }
.contact-layout { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(280px, 0.9fr); gap: var(--space-xl); align-items: stretch; }
.contact-form-card, .contact-details { padding: var(--space-2xl); background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); }
.contact-form-card { border-top: 4px solid var(--maroon); }
.contact-form-card .section-label, .contact-details .section-label { display: block; margin-bottom: var(--space-sm); }
.contact-form-card h2, .contact-details h2 { color: var(--maroon); margin-bottom: var(--space-xl); font-size: clamp(1.45rem, 2vw, 1.9rem); }
.contact-field { margin-bottom: var(--space-md); }
.contact-field label { display: block; margin-bottom: 0.35rem; color: var(--gray-600); font-size: 0.82rem; font-weight: var(--font-weight-semibold); }
.contact-field input, .contact-field textarea { width: 100%; border: 1px solid var(--gray-300); border-radius: var(--radius-sm); background: var(--gray-50); color: var(--gray-800); padding: 0.75rem 0.85rem; font: inherit; outline: none; transition: border-color var(--transition-fast), box-shadow var(--transition-fast); }
.contact-field textarea { resize: vertical; min-height: 130px; }
.contact-field input:focus, .contact-field textarea:focus { border-color: var(--maroon); box-shadow: 0 0 0 3px rgba(123,31,48,0.1); }
.contact-check { display: flex; align-items: center; gap: var(--space-sm); margin: var(--space-md) 0 var(--space-lg); color: var(--gray-600); font-size: 0.85rem; cursor: pointer; }
.contact-check input { width: 18px; height: 18px; accent-color: var(--maroon); }
.btn-maroon { display: inline-flex; align-items: center; justify-content: center; padding: 0.7rem 1.25rem; border: 0; border-radius: var(--radius-sm); background: var(--maroon); color: var(--white); font: inherit; font-weight: var(--font-weight-semibold); cursor: pointer; transition: background var(--transition-fast), transform var(--transition-fast); }
.btn-maroon:hover { background: var(--maroon-dark); transform: translateY(-1px); }
.contact-details { background: linear-gradient(145deg, var(--maroon), var(--maroon-dark)); color: var(--white); }
.contact-details h2 { color: var(--white); }
.contact-details .section-label { color: var(--silver-light); }
.contact-details address { font-style: normal; }
.contact-detail { display: flex; align-items: flex-start; gap: var(--space-md); padding: var(--space-md) 0; border-top: 1px solid rgba(255,255,255,0.18); }
.contact-detail-icon { display: inline-grid; place-items: center; flex: 0 0 28px; width: 28px; height: 28px; color: var(--silver-light); font-size: 1.15rem; }
.contact-detail p, .contact-detail a { color: rgba(255,255,255,0.9); line-height: 1.7; }
.contact-detail a:hover { color: var(--white); text-decoration: underline; text-underline-offset: 3px; }
.insights-section { background: var(--cream); }
.insights-intro { max-width: 660px; margin: 0 auto var(--space-3xl); }
.insights-intro .section-label { display: block; margin-bottom: var(--space-sm); }
.insight-panel { margin-bottom: var(--space-xl); padding: var(--space-xl); background: var(--white); border: 1px solid var(--gray-200); border-top: 4px solid var(--maroon); border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); }
.insight-panel-heading { display: flex; align-items: flex-start; justify-content: space-between; gap: var(--space-lg); margin-bottom: var(--space-xl); }
.insight-panel-heading .section-label { display: block; margin-bottom: var(--space-xs); }
.insight-panel-heading h2 { color: var(--maroon); font-size: clamp(1.35rem, 2vw, 1.8rem); }
.yield-switcher { display: flex; gap: 4px; padding: 4px; background: var(--silver-pale); border-radius: var(--radius-full); }
.yield-switch { padding: 0.55rem 0.8rem; border: 0; border-radius: var(--radius-full); background: transparent; color: var(--gray-600); cursor: pointer; font: inherit; font-size: 0.8rem; font-weight: var(--font-weight-semibold); }
.yield-switch.active, .yield-switch:hover { background: var(--maroon); color: var(--white); }
.performance-summary { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-md); margin-bottom: var(--space-xl); }
.yield-stat { padding: var(--space-md); background: var(--silver-pale); border-left: 3px solid var(--silver); border-radius: var(--radius-sm); }
.yield-stat-label, .yield-stat small { display: block; color: var(--gray-500); font-size: 0.78rem; }
.yield-stat strong { display: block; margin: 0.2rem 0; color: var(--maroon); font-size: 1.45rem; }
.chart-wrap { height: 280px; }
.data-note { margin-top: var(--space-md); color: var(--gray-500); font-size: 0.78rem; }
.positioning-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: var(--space-lg); }
.visual-card { padding: var(--space-lg); background: var(--silver-pale); border-radius: var(--radius-md); }
.visual-card h3 { color: var(--maroon); font-size: 1.05rem; margin-bottom: var(--space-lg); }
.donut-wrap { position: relative; max-width: 210px; margin: 0 auto var(--space-lg); }
.donut-center { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; flex-direction: column; pointer-events: none; }
.donut-center strong { color: var(--maroon); font-size: 1.35rem; }
.donut-center span { color: var(--gray-500); font-size: 0.72rem; }
.legend-list { display: grid; gap: var(--space-sm); }
.legend-list span, .allocation-list div { display: flex; align-items: center; justify-content: space-between; gap: var(--space-sm); color: var(--gray-600); font-size: 0.82rem; }
.legend-dot { display: inline-block; width: 10px; height: 10px; margin-right: 5px; border-radius: 50%; }
.legend-maroon { background: var(--maroon); }.legend-silver { background: var(--silver); }.legend-pale { background: var(--silver-light); }
.allocation-list { display: grid; gap: var(--space-lg); }
.allocation-list div span { display: flex; align-items: center; gap: var(--space-sm); }
.allocation-bar { display: inline-block; width: 5px; height: 30px; border-radius: 3px; }.bar-maroon { background: var(--maroon); }.bar-silver { background: var(--silver); }.bar-dark { background: var(--silver-dark); }.bar-pale { background: var(--silver-light); }
.guide-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-lg); }
.guide-card { position: relative; padding: var(--space-lg); border: 1px solid var(--gray-200); border-radius: var(--radius-md); }
.guide-number { color: var(--silver-dark); font-weight: var(--font-weight-bold); font-size: 0.78rem; letter-spacing: 0.08em; }.guide-card h3 { margin: var(--space-md) 0 var(--space-sm); color: var(--maroon); font-size: 1.05rem; }.guide-card p { color: var(--gray-600); font-size: 0.88rem; }
.glossary { margin-top: var(--space-xl); padding-top: var(--space-xl); border-top: 1px solid var(--gray-200); }.glossary h3 { color: var(--maroon); margin-bottom: var(--space-md); }.glossary dl { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-lg); }.glossary dt { color: var(--maroon); font-weight: var(--font-weight-bold); }.glossary dd { margin-top: 0.25rem; color: var(--gray-600); font-size: 0.82rem; }
.compliance-panel { display: flex; align-items: center; gap: var(--space-xl); border-top-color: var(--silver); }.compliance-mark { display: grid; place-items: center; flex: 0 0 72px; height: 72px; border: 2px solid var(--silver); border-radius: 50%; color: var(--maroon); font-weight: var(--font-weight-bold); }.compliance-panel h2 { color: var(--maroon); margin: 0.15rem 0 var(--space-sm); }.compliance-panel p { max-width: 760px; color: var(--gray-600); }.text-link { display: inline-block; margin-top: var(--space-md); color: var(--maroon); font-weight: var(--font-weight-semibold); text-decoration: underline; text-decoration-color: var(--silver); text-underline-offset: 3px; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  padding: 0.6rem 1.5rem;
  font-family: var(--font-primary) !important;
  font-size: 0.9rem;
  font-weight: var(--font-weight-semibold);
  border-radius: var(--radius-full);
  border: none;
  cursor: pointer;
  transition: all var(--transition-base);
  letter-spacing: 0.02em;
}

.btn-silver {
  background: var(--silver-metallic);
  color: #1E293B;
  border: 1px solid #CBD5E1;
}

.btn-silver:hover {
  background: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-silver);
}

.btn-outline-white {
  background: transparent;
  color: #FFFFFF;
  border: 1.5px solid rgba(255, 255, 255, 0.4);
}

.btn-outline-white:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: rgba(255, 255, 255, 0.8);
}

/* ========================================
   LIVE MMF RATES CARD (Overlapping Hero)
   ======================================== */
.rates-section {
  padding: 0;
  position: relative;
  z-index: 10;
  margin-top: -65px;
}

.rates-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-xl);
  padding: var(--space-xl) var(--space-2xl);
  max-width: var(--container-max);
  margin: 0 auto;
  transition: all var(--transition-base);
}

.rates-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-xl);
  flex-wrap: wrap;
}

.rates-fund-name {
  font-size: 1.35rem;
  font-weight: var(--font-weight-bold);
  color: var(--maroon);
  margin-bottom: 4px;
}

.rates-fund-name a {
  color: inherit;
  text-decoration: none;
}

.rates-fund-name a:hover {
  text-decoration: underline;
}

.rates-subtitle {
  font-size: 0.88rem;
  color: var(--gray-500);
}

.rates-sep {
  color: var(--silver-dark);
  margin: 0 var(--space-xs);
}

.rates-prices {
  display: flex;
  gap: var(--space-2xl);
}

.rates-price-col {
  text-align: right;
}

.rates-price-label {
  display: block;
  font-size: 0.75rem;
  font-weight: var(--font-weight-semibold);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gray-500);
}

.rates-price-value {
  font-size: 1.4rem;
  font-weight: var(--font-weight-bold);
  color: var(--maroon);
}

.rates-toggle-btn {
  width: 100%;
  margin-top: var(--space-lg);
  padding: 0.75rem 1.25rem;
  background: var(--cream);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  color: var(--maroon);
  font-family: var(--font-primary) !important;
  font-size: 0.9rem;
  font-weight: var(--font-weight-semibold);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.rates-toggle-btn:hover {
  background: var(--maroon);
  color: #FFFFFF;
  border-color: var(--maroon);
}

.rates-toggle-arrow {
  transition: transform var(--transition-fast);
}

.rates-toggle-btn[aria-expanded="true"] .rates-toggle-arrow {
  transform: rotate(180deg);
}

.rates-history-wrapper {
  margin-top: var(--space-md);
  animation: fadeIn 0.3s ease-in-out;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(-8px); }
  to { opacity: 1; transform: translateY(0); }
}

.rates-table-responsive {
  overflow-x: auto;
}

.rates-history-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: var(--space-xs);
}

.rates-history-table th,
.rates-history-table td {
  padding: 0.75rem 1rem;
  font-size: 0.88rem;
  text-align: left;
  border-bottom: 1px solid var(--gray-200);
}

.rates-history-table th {
  background: var(--gray-100);
  color: var(--maroon);
  font-weight: var(--font-weight-bold);
  text-transform: uppercase;
  font-size: 0.78rem;
  letter-spacing: 0.05em;
}

.rates-history-table tbody tr:hover {
  background: var(--cream);
}

/* ========================================
   PROJECTION TOOL (Compact Calculator)
   ======================================== */
.projection-section {
  background: var(--cream);
  position: relative;
  overflow: hidden;
  padding: var(--space-2xl) 0;
}

.projection-card {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-width: 0;
  max-width: 1040px;
  margin-left: auto;
  margin-right: auto;
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  border: 1px solid var(--gray-200);
  margin-top: var(--space-xl);
  position: relative;
}

.projection-input-area {
  padding: var(--space-xl);
  min-width: 0;
}

.projection-input-area h3 {
  font-family: var(--font-primary) !important;
  font-size: clamp(1.5rem, 2.2vw, 1.9rem);
  font-weight: var(--font-weight-bold);
  color: var(--maroon);
  line-height: 1.1;
  margin-bottom: var(--space-xs);
}

.projection-input-area > p {
  color: var(--gray-500);
  margin-bottom: var(--space-lg);
  font-size: 0.9rem;
}

.input-group {
  margin-bottom: var(--space-lg);
}

.input-group-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: var(--space-xs);
}

.input-label {
  font-weight: var(--font-weight-bold);
  color: var(--gray-800);
}

.input-hint {
  font-size: 0.85rem;
  font-weight: var(--font-weight-bold);
  color: var(--maroon);
}

.amount-input-wrapper {
  display: flex;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  overflow: hidden;
  background: var(--gray-50);
  transition: border-color var(--transition-fast);
}

.amount-input-wrapper:focus-within {
  border-color: var(--maroon);
  box-shadow: 0 0 0 3px rgba(123,31,48,0.1);
}

.currency-symbol {
  padding: 0.75rem 1rem;
  font-weight: var(--font-weight-bold);
  color: var(--maroon);
  border-right: 1px solid var(--gray-200);
  background: var(--gray-100);
}

.amount-input {
  flex: 1;
  border: none;
  background: transparent;
  padding: 0.75rem 1rem;
  font-size: 1.1rem;
  font-weight: var(--font-weight-semibold);
  color: var(--gray-800);
  font-family: var(--font-primary) !important;
  outline: none;
}

.period-slider-wrapper {
  margin-top: var(--space-xs);
}

.period-slider {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  background: var(--gray-200);
  border-radius: 3px;
  outline: none;
}

.period-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--maroon);
  cursor: pointer;
  transition: transform var(--transition-fast);
}

.period-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
}

.period-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 4px;
  font-size: 0.78rem;
  color: var(--gray-400);
}

.period-buttons {
  display: flex;
  gap: 6px;
  margin-top: var(--space-sm);
  flex-wrap: wrap;
}

.period-btn {
  flex: 1;
  min-width: 40px;
  padding: 0.5rem 0;
  background: var(--maroon);
  color: #fff;
  border: none;
  border-radius: var(--radius-sm);
  font-size: 0.8rem;
  font-weight: var(--font-weight-bold);
  cursor: pointer;
  transition: background var(--transition-fast);
}

.period-btn:hover, .period-btn.active {
    background: var(--maroon-dark);
}

.projection-info {
  background: var(--cream);
  padding: var(--space-sm) var(--space-md);
  border-radius: var(--radius-md);
  display: flex;
  gap: var(--space-sm);
  align-items: flex-start;
  font-size: 0.8rem;
  color: var(--gray-500);
}

.projection-info i {
  color: var(--maroon);
  font-style: normal;
  font-weight: bold;
  background: var(--gray-200);
  width: 18px;
  height: 18px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.projection-results-area {
  background: linear-gradient(145deg, #4A121D, #2B0A11);
  color: #fff;
  padding: var(--space-xl);
  min-width: 0;
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

.projection-results-area > * {
  position: relative;
  z-index: 1;
}

.result-header {
  font-size: 0.78rem;
  font-weight: var(--font-weight-bold);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.7);
  margin-bottom: 4px;
}

.result-value {
  font-family: var(--font-primary) !important;
  font-size: clamp(1.8rem, 2.8vw, 2.35rem);
  font-weight: var(--font-weight-bold);
  line-height: 1.1;
  margin-bottom: var(--space-xs);
  text-shadow: 0 2px 10px rgba(0,0,0,0.3);
}

.gain-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 0.35rem 0.85rem;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-full);
  font-size: 0.82rem;
  margin-bottom: var(--space-md);
}

.results-table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: var(--space-md);
}

.results-table tr {
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.results-table td {
  padding: 0.42rem 0;
  font-size: 0.82rem;
}

.results-table td:last-child {
  text-align: right;
  font-weight: var(--font-weight-bold);
}

.composition-bar-container {
  margin-bottom: var(--space-md);
}

.composition-header {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: var(--space-sm);
}

.comp-bar {
  width: 100%;
  height: 8px;
  background: rgba(255,255,255,0.2);
  border-radius: 4px;
  display: flex;
  overflow: hidden;
  margin-bottom: var(--space-sm);
}

.comp-principal {
  height: 100%;
  background: #fff;
}

.comp-return {
  height: 100%;
  background: var(--silver);
}

.comp-legend {
  display: flex;
  gap: var(--space-lg);
  font-size: 0.8rem;
}

.comp-legend-item {
  display: flex;
  align-items: center;
  gap: 6px;
}

.comp-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
}

.disclaimer-text {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  line-height: 1.6;
  margin-top: auto;
}

/* ========================================
   CARD DESIGN SYSTEM (Unified Across Site)
   ======================================== */
.feature-card, .solution-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: var(--space-2xl);
  transition: all var(--transition-base);
  overflow: hidden;
  text-decoration: none;
  color: var(--gray-800);
  display: flex;
  flex-direction: column;
}

.feature-card::before, .solution-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--maroon), var(--silver));
  transform: scaleX(0);
  transition: transform var(--transition-slow);
  transform-origin: center;
}

.feature-card:hover, .solution-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.feature-card:hover::before, .solution-card:hover::before {
  transform: scaleX(1);
}

.feature-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  background: var(--silver-pale);
  border-radius: var(--radius-md);
  margin-bottom: var(--space-lg);
  transition: background var(--transition-base);
}

.feature-card:hover .feature-icon,
.solution-card:hover .feature-icon {
  background: linear-gradient(135deg, var(--maroon), var(--maroon-light));
}

.feature-icon svg {
  width: 24px;
  height: 24px;
  fill: var(--maroon);
  transition: fill var(--transition-base);
}

.feature-card:hover .feature-icon svg,
.solution-card:hover .feature-icon svg {
  fill: var(--white);
}

.feature-card h4, .solution-card h4 {
  font-family: var(--font-primary) !important;
  font-size: 1.15rem;
  font-weight: var(--font-weight-bold);
  color: var(--gray-800);
  margin-bottom: var(--space-sm);
}

.feature-card p, .solution-card p {
  font-size: 0.9rem;
  color: var(--gray-500);
  line-height: 1.7;
}

/* Mouse Glow Effect */
.glow-effect {
  position: relative;
  overflow: hidden;
}

.glow-effect::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: radial-gradient(
    350px circle at var(--mouse-x, 50%) var(--mouse-y, 50%),
    rgba(148, 163, 184, 0.2) 0%,
    rgba(148, 163, 184, 0.08) 25%,
    transparent 60%
  );
  opacity: 0;
  transition: opacity 0.3s;
  pointer-events: none;
  z-index: 0;
}

.glow-effect:hover::before {
  opacity: 1;
}

.feature-card > *, .solution-card > * {
  position: relative;
  z-index: 1;
}

/* ========================================
   TAILORED FINANCIAL SOLUTIONS
   ======================================== */
.solutions-section {
  background: var(--cream);
  padding: var(--space-4xl) 0;
}

.solutions-title {
  font-family: var(--font-primary) !important;
  font-size: clamp(2rem, 3.5vw, 2.8rem);
  font-weight: var(--font-weight-bold);
  color: var(--gray-900);
}

.solutions-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-2xl);
}

/* ========================================
   LATEST FLYERS & OPPORTUNITIES GALLERY
   ======================================== */
.flyers-section {
  background: var(--white);
  padding: var(--space-4xl) 0;
}

.flyers-gallery-wrapper {
  position: relative;
  display: flex;
  align-items: center;
  margin-top: var(--space-xl);
}

.flyers-track-container {
  width: 100%;
  overflow: hidden;
  border-radius: var(--radius-lg);
}

.flyers-track {
  display: flex;
  gap: var(--space-xl);
  transition: transform 0.5s cubic-bezier(0.25, 1, 0.5, 1);
}

.flyer-card {
  flex: 0 0 calc(33.333% - 16px);
  min-width: 280px;
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-200);
  transition: transform var(--transition-base), box-shadow var(--transition-base);
}

.flyer-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
}

.flyer-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.flyer-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--white);
  border: 1px solid var(--gray-300);
  color: var(--maroon);
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.flyer-arrow:hover {
  background: var(--maroon);
  color: var(--white);
  border-color: var(--maroon);
}

.flyer-arrow svg {
  width: 22px;
  height: 22px;
  fill: currentColor;
}

.flyer-prev { left: -22px; }
.flyer-next { right: -22px; }

/* ========================================
   WHY CHOOSE PREMIER WEALTH
   ======================================== */
.why-choose-section {
  background: var(--cream);
  padding: var(--space-4xl) 0;
}

.why-choose-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-2xl);
}

.why-icon {
  background: var(--silver-pale);
  border: 1px solid var(--silver);
}

/* ========================================
   FOOTER
   ======================================== */
.footer {
  background: linear-gradient(180deg, #1F1F1F 0%, #111111 100%);
  color: rgba(255, 255, 255, 0.75);
}

.footer-main {
  padding: var(--space-4xl) 0 var(--space-2xl);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: var(--space-3xl);
}

.footer-brand .logo img {
  content: url("images/footer-logo-white.png");
  width: min(100%, 225px);
  height: auto;
  margin-bottom: var(--space-lg);
}

.footer-brand p {
  font-size: 0.88rem;
  line-height: 1.8;
  color: rgba(255, 255, 255, 0.6);
  margin-bottom: var(--space-xl);
  max-width: 280px;
}

.footer-social {
  display: flex;
  gap: var(--space-sm);
}

.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 50%;
  color: rgba(255, 255, 255, 0.6);
  transition: all var(--transition-fast);
}

.footer-social a:hover {
  background: var(--silver);
  color: var(--gray-900);
  transform: translateY(-2px);
}

.footer-social a svg {
  width: 16px;
  height: 16px;
  fill: currentColor;
}

.footer-col h4 {
  font-family: var(--font-primary) !important;
  font-size: 0.85rem;
  font-weight: var(--font-weight-bold);
  color: #FFFFFF;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: var(--space-lg);
}

.footer-col ul li {
  margin-bottom: var(--space-sm);
}

.footer-col ul li a,
.footer-col ul li span {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.55);
  transition: all var(--transition-fast);
  display: inline-flex;
  align-items: center;
  gap: var(--space-sm);
}

.footer-col ul li a:hover {
  color: var(--silver-light);
  padding-left: 4px;
}

.footer-col ul li svg {
  width: 14px;
  height: 14px;
  fill: var(--silver);
  flex-shrink: 0;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: var(--space-xl) 0;
}

.footer-bottom-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-lg);
  flex-wrap: wrap;
}

.footer-copyright {
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.4);
  line-height: 1.7;
}

.footer-legal {
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.3);
  line-height: 1.7;
  max-width: 500px;
  text-align: right;
}

/* ========================================
   SCROLL ANIMATIONS & BACK TO TOP
   ======================================== */
.fade-up {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease-out, transform 0.7s ease-out;
}

.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

.stagger-children > * {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.5s ease-out, transform 0.5s ease-out;
}

.stagger-children.visible > *:nth-child(1) { transition-delay: 0.05s; }
.stagger-children.visible > *:nth-child(2) { transition-delay: 0.1s; }
.stagger-children.visible > *:nth-child(3) { transition-delay: 0.15s; }

.stagger-children.visible > * {
  opacity: 1;
  transform: translateY(0);
}

.back-to-top {
  position: fixed;
  bottom: 32px;
  right: 32px;
  width: 46px;
  height: 46px;
  background: var(--maroon);
  color: var(--white);
  border: none;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: all var(--transition-base);
  z-index: 900;
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  background: var(--silver-dark);
  transform: translateY(-3px);
}

.back-to-top svg {
  width: 20px;
  height: 20px;
  fill: currentColor;
}

/* ========================================
   RESPONSIVE DESIGN
   ======================================== */
@media (max-width: 1024px) {
  .nav-desktop, .nav-cta.desktop-only { display: none; }
  .mobile-toggle { display: flex; }
  .solutions-grid, .why-choose-grid { grid-template-columns: 1fr; }
  .resource-grid-three, .resource-grid-3col { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .fund-resource-grid { grid-template-columns: 1fr; }
  .guide-grid { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .flyer-card { flex: 0 0 calc(50% - 12px); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 640px) {
  .flyer-card { flex: 0 0 100%; }
  .projection-card { grid-template-columns: 1fr; }
  .projection-input-area, .projection-results-area { padding: var(--space-lg); }
  .resources-hero { min-height: 340px; }
  .resource-grid, .resource-grid-three, .resource-grid-3col { grid-template-columns: 1fr; }
  .fund-overview-grid { grid-template-columns: 1fr; }
  .fund-copy-block { padding: var(--space-lg); }
  .insight-panel { padding: var(--space-lg); }
  .insight-panel-heading, .compliance-panel { flex-direction: column; }
  .performance-summary, .positioning-grid, .glossary { grid-template-columns: 1fr; }
  .yield-switcher { width: 100%; }
  .yield-switch { flex: 1; }
  .compliance-mark { flex-basis: 56px; width: 56px; height: 56px; }
  .contact-map { height: 300px; margin-bottom: var(--space-xl); }
  .contact-form-card, .contact-details { padding: var(--space-lg); }
  .assistance-banner { align-items: flex-start; flex-direction: column; padding: var(--space-lg); }
  .footer-grid { grid-template-columns: 1fr; }
  .flyer-arrow { display: none; }
}


.menu-disabled { opacity: 0.45; cursor: default; pointer-events: none; }
.mega-column ul li span.menu-disabled { display: block; font-size: 0.82rem; color: var(--gray-600); padding: 5px 0; }

.about-page .section { padding: var(--space-3xl) 0; }

.footer-address > div:first-child { white-space: nowrap; }

.footer-copyright a { color: rgba(255, 255, 255, 0.6); }
.footer-copyright a:hover { color: #fff; }

.mmf-hero .hero-overlay {
  background: linear-gradient(135deg, rgba(50, 12, 22, 0.55) 0%, rgba(25, 25, 25, 0.5) 50%, rgba(50, 12, 22, 0.45) 100%);
}
.mmf-hero .hero-title, .mmf-hero .hero-description { text-shadow: 0 2px 12px rgba(0, 0, 0, 0.45); }

@media (min-width: 769px) {
  .mmf-hero .title-line { white-space: nowrap; }
}
.mmf-hero .title-line { color: #FFFFFF; }

.fund-resource-grid-two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.reports-sub { margin-top: var(--space-xs); color: var(--gray-500); font-size: 0.92rem; }
.reports-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--space-md); }
.reports-grid[hidden] { display: none; }
.report-card { display: flex; align-items: center; gap: var(--space-md); padding: var(--space-md); background: var(--gray-50); border: 1px solid var(--gray-200); border-radius: var(--radius-md); flex-wrap: wrap; }
.report-card.report-latest { border-color: var(--maroon); background: var(--white); box-shadow: var(--shadow-sm); }
.report-icon { flex: 0 0 auto; display: grid; place-items: center; width: 44px; height: 52px; border-radius: 6px; background: var(--maroon); color: #fff; font-size: 0.7rem; font-weight: var(--font-weight-bold); letter-spacing: 0.06em; }
.report-info { flex: 1 1 110px; min-width: 0; }
.report-info h3 { font-size: 1rem; color: var(--gray-900); }
.report-info p { font-size: 0.8rem; color: var(--gray-500); margin-top: 2px; }
.report-badge { display: inline-block; margin-bottom: 4px; padding: 1px 8px; border-radius: 999px; background: var(--maroon); color: #fff; font-size: 0.65rem; font-weight: var(--font-weight-bold); letter-spacing: 0.06em; text-transform: uppercase; }
.report-actions { display: flex; gap: var(--space-sm); flex: 1 1 100%; }
.report-actions a { flex: 1; text-align: center; padding: 6px 10px; border: 1px solid var(--maroon); border-radius: var(--radius-md); color: var(--maroon); font-size: 0.82rem; font-weight: var(--font-weight-semibold); }
.report-actions a:first-child { background: var(--maroon); color: #fff; }
.report-actions a:hover { background: var(--maroon-dark); border-color: var(--maroon-dark); color: #fff; }
@media (max-width: 992px) { .reports-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .reports-grid { grid-template-columns: 1fr; } .fund-resource-grid-two { grid-template-columns: 1fr; } }

.fund-resource-group li { color: var(--maroon); font-weight: var(--font-weight-semibold); font-size: 0.92rem; }
.deed-list { margin-top: var(--space-sm); padding-left: var(--space-md); }
.deed-list li { font-weight: var(--font-weight-regular); }
.deed-list a { font-size: 0.85rem; }

.fund-resource-group ul { list-style: disc; padding-left: var(--space-lg); }
.fund-resource-group li::marker { color: var(--maroon); }
.fund-resource-group .deed-list { list-style: circle; }

.contact-details h2 { margin-bottom: var(--space-sm); }
.contact-company { margin-bottom: var(--space-lg); font-size: 1.05rem; font-weight: var(--font-weight-semibold); color: var(--white); }

/* ---- Director Bio Modal ---- */
.director-more-btn {
  display: inline-block;
  margin-top: var(--space-md);
  padding: 0.45rem 1.1rem;
  border: 1px solid var(--maroon);
  border-radius: var(--radius-full);
  background: transparent;
  color: var(--maroon);
  font-family: var(--font-primary);
  font-size: 0.75rem;
  font-weight: var(--font-weight-semibold);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  cursor: pointer;
  transition: all var(--transition-fast);
}
.director-more-btn:hover { background: var(--maroon); color: #fff; }

.director-modal-overlay {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-lg);
  background: rgba(17, 17, 17, 0.6);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-base), visibility var(--transition-base);
}
.director-modal-overlay.active { opacity: 1; visibility: visible; }

.director-modal {
  position: relative;
  width: 100%;
  max-width: 640px;
  max-height: 85vh;
  overflow-y: auto;
  padding: var(--space-2xl);
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  text-align: left;
  transform: translateY(12px);
  transition: transform var(--transition-base);
}
.director-modal-overlay.active .director-modal { transform: translateY(0); }

.director-modal-close {
  position: absolute;
  top: var(--space-md);
  right: var(--space-md);
  width: 36px;
  height: 36px;
  border: none;
  border-radius: 50%;
  background: var(--gray-100);
  color: var(--gray-700);
  font-size: 1.4rem;
  line-height: 1;
  cursor: pointer;
}
.director-modal-close:hover { background: var(--gray-200); }

.director-modal-header {
  display: flex;
  align-items: center;
  gap: var(--space-lg);
  margin-bottom: var(--space-lg);
  padding-right: var(--space-xl);
}
.director-modal-header img {
  width: 84px;
  height: 84px;
  flex-shrink: 0;
  border-radius: 50%;
  object-fit: cover;
  border: 3px solid var(--maroon);
}
.director-modal-header h3 { color: var(--maroon); font-size: 1.15rem; }
.director-modal-header p {
  margin-top: 0.25rem;
  font-size: 0.78rem;
  font-weight: var(--font-weight-semibold);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--gray-500);
}

.director-modal-body p {
  margin-bottom: var(--space-md);
  color: var(--gray-700);
  font-size: 0.9rem;
  line-height: 1.65;
}
.director-modal-body p:last-child { margin-bottom: 0; }

@media (max-width: 640px) {
  .director-modal { padding: var(--space-lg); }
  .director-modal-header { flex-direction: column; align-items: flex-start; gap: var(--space-sm); }
}

.staff-subheading {
  text-align: center;
  color: var(--maroon);
  font-size: clamp(1.05rem, 1.6vw, 1.35rem);
  font-weight: var(--font-weight-bold);
  letter-spacing: 0.02em;
  margin-bottom: 2rem;
}