/* Cross Pond Capital. Brand kit tokens, single light theme by design.
   Layout idea: one calm column of white space, navy type, thin lines, soft blue glows. */
:root {
  color-scheme: light;
  --navy: #0B2D5B;
  --navy-deep: #082347;
  --sky: #6FA8DC;
  --pale: #D6E7F7;
  --stone: #F3F1EC;
  --slate: #5B6B7D;
  --sand: #E9E3D8;
  --white: #FFFFFF;
  --line: rgba(11, 45, 91, 0.12);
  --line-strong: rgba(11, 45, 91, 0.22);
  --font-display: "Montserrat", "Avenir Next", "Segoe UI", system-ui, sans-serif;
  --font-body: "Inter", "Helvetica Neue", Arial, system-ui, sans-serif;
  --gutter: clamp(20px, 4vw, 40px);
  --max: 1160px;
  --nav-h: 64px;
  --radius: 18px;
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
  --shadow: 0 1px 2px rgba(11, 45, 91, 0.04), 0 12px 32px -12px rgba(11, 45, 91, 0.18);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--white);
  color: var(--slate);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img, svg, canvas { display: block; max-width: 100%; }
h1, h2, h3, h4, p, ul, ol, figure { margin: 0; }
ul, ol { padding: 0; list-style: none; }
a { color: var(--navy); text-decoration-thickness: 1px; text-underline-offset: 3px; }
button { font: inherit; color: inherit; background: none; border: 0; padding: 0; cursor: pointer; }
:focus-visible { outline: 2px solid var(--sky); outline-offset: 3px; border-radius: 6px; }
[hidden] { display: none !important; }
.skip { position: absolute; left: 12px; top: -80px; z-index: 100; padding: 12px 18px; border-radius: 10px; background: var(--navy); color: var(--white); font-weight: 600; text-decoration: none; }
.skip:focus { top: 12px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; }

.container { width: 100%; max-width: calc(var(--max) + 2 * var(--gutter)); margin-inline: auto; padding-inline: var(--gutter); }
section { scroll-margin-top: calc(var(--nav-h) + 8px); }
.section { padding-block: clamp(72px, 10vw, 136px); position: relative; }
.section--stone { background: var(--stone); }

h1, h2, h3 { font-family: var(--font-display); color: var(--navy); font-weight: 500; text-wrap: balance; }
h1 { font-size: clamp(2.5rem, 7.2vw, 4.75rem); line-height: 1.03; letter-spacing: -0.035em; }
h2 { font-size: clamp(1.9rem, 4.4vw, 3rem); line-height: 1.1; letter-spacing: -0.028em; }
h3 { font-size: clamp(1.3rem, 2.2vw, 1.6rem); line-height: 1.2; letter-spacing: -0.02em; }
.eyebrow {
  font-family: var(--font-display); font-weight: 700; font-size: 0.75rem; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--navy);
}
.lede { font-size: clamp(1.05rem, 1.6vw, 1.25rem); line-height: 1.55; max-width: 36rem; }
.section-head { display: grid; gap: 14px; max-width: 44rem; margin-bottom: clamp(32px, 5vw, 56px); }
.section-head p { font-size: 1.125rem; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 48px; padding: 0 22px; border-radius: 999px;
  background: var(--navy); color: var(--white); text-decoration: none;
  font-family: var(--font-display); font-weight: 600; font-size: 0.95rem; letter-spacing: -0.005em;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), background-color 0.25s;
  box-shadow: 0 8px 20px -10px rgba(11, 45, 91, 0.6);
  white-space: nowrap;
}
.btn::after { content: "\2192"; transition: transform 0.25s var(--ease); }
.btn:hover { background: var(--navy-deep); transform: translateY(-1px); }
.btn:hover::after { transform: translateX(3px); }
.btn--small { min-height: 40px; padding: 0 16px; font-size: 0.875rem; }
.btn--light { background: var(--white); color: var(--navy); }
.btn--light:hover { background: var(--pale); }
.link-arrow {
  display: inline-flex; align-items: center; gap: 8px; min-height: 48px;
  font-family: var(--font-display); font-weight: 600; font-size: 0.95rem; text-decoration: none; color: var(--navy);
}
.link-arrow::after { content: "\2193"; transition: transform 0.25s var(--ease); }
.link-arrow:hover::after { transform: translateY(3px); }
.link-arrow--out::after { content: "\2197"; }
.link-arrow--out:hover::after { transform: translate(2px, -2px); }
.actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 24px; }
.cta-row { display: flex; justify-content: center; margin-top: clamp(36px, 5vw, 56px); }

/* Scroll reveals (only when JS is running and motion is allowed) */
.js [data-reveal] { opacity: 0; transform: translateY(20px); transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); transition-delay: calc(var(--d, 0) * 90ms); }
.js [data-reveal].in { opacity: 1; transform: none; }

/* ---------- Nav ---------- */
.nav {
  position: fixed; inset: 0 0 auto 0; z-index: 50; height: var(--nav-h);
  transition: background-color 0.3s, box-shadow 0.3s, backdrop-filter 0.3s;
}
.nav.scrolled, .nav.open {
  background: rgba(255, 255, 255, 0.78);
  -webkit-backdrop-filter: saturate(160%) blur(14px); backdrop-filter: saturate(160%) blur(14px);
  box-shadow: 0 1px 0 var(--line);
}
.nav-inner { height: 100%; display: flex; align-items: center; gap: 20px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; margin-right: auto; min-height: 44px; }
.brand-mark { width: 74px; height: auto; flex: none; }
.brand-name { font-family: var(--font-display); font-weight: 600; font-size: 1rem; letter-spacing: -0.01em; color: var(--navy); white-space: nowrap; }
.f-navy { fill: var(--navy); } .f-sky { fill: var(--sky); } .f-white { fill: var(--white); }
.nav-links { display: none; align-items: center; gap: 28px; }
.nav-links a { font-size: 0.925rem; font-weight: 500; text-decoration: none; color: var(--navy); opacity: 0.82; transition: opacity 0.2s; padding-block: 10px; }
.nav-links a:hover { opacity: 1; }
.nav-toggle { width: 44px; height: 44px; display: grid; place-items: center; border-radius: 12px; margin-right: -10px; }
.nav-toggle span { display: block; width: 20px; height: 2px; background: var(--navy); border-radius: 2px; transition: transform 0.3s var(--ease), opacity 0.2s; }
.nav-toggle span + span { margin-top: 5px; }
.nav.open .nav-toggle span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav.open .nav-toggle span:nth-child(2) { opacity: 0; }
.nav.open .nav-toggle span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.nav-menu {
  position: absolute; inset: var(--nav-h) 0 auto 0; background: var(--white);
  border-bottom: 1px solid var(--line); padding: 8px var(--gutter) 20px;
  display: grid; opacity: 0; transform: translateY(-8px); pointer-events: none; visibility: hidden;
  transition: opacity 0.25s var(--ease), transform 0.25s var(--ease), visibility 0s 0.25s;
}
.nav.open .nav-menu { opacity: 1; transform: none; pointer-events: auto; visibility: visible; transition-delay: 0s; }
.nav-menu a { padding: 14px 0; border-bottom: 1px solid var(--line); text-decoration: none; font-family: var(--font-display); font-weight: 500; font-size: 1.1rem; }
.nav-menu a:last-child { border-bottom: 0; }
@media (max-width: 419px) { .brand-name { display: none; } }
@media (min-width: 900px) {
  :root { --nav-h: 72px; }
  .nav-links { display: flex; }
  .nav-toggle, .nav-menu { display: none; }
}

/* ---------- 1. Hero ---------- */
.hero {
  position: relative; overflow: hidden; isolation: isolate;
  --sky-w: 136vw;
  padding-top: calc(var(--nav-h) + clamp(40px, 9vw, 96px));
  padding-bottom: calc(var(--sky-w) * 0.287 + clamp(36px, 6vw, 64px));
  background: linear-gradient(160deg, #fff 0%, var(--stone) 38%, var(--pale) 72%, #a9c9ea 100%);
}
.hero-gradient { position: absolute; inset: 0; width: 100%; height: 100%; z-index: -3; }
.hero-fade { position: absolute; inset: auto 0 0 0; height: 30%; z-index: -2; background: linear-gradient(to bottom, rgba(255,255,255,0), #fff 96%); }
.hero-skyline { position: absolute; left: 50%; bottom: -1px; width: var(--sky-w); aspect-ratio: 1680 / 482; transform: translateX(-50%); z-index: -1; }
.hero-skyline .layer { position: absolute; inset: 0; width: 100%; height: 100%; overflow: visible; will-change: transform; }
.layer-navy { fill: var(--navy); } .layer-sky { fill: var(--sky); }
.hero-content { display: grid; gap: clamp(18px, 2.4vw, 26px); will-change: transform, opacity; }
.hero-content h1 { max-width: 13ch; }
.hero .lede { color: #2B4A75; }
.hero-content .actions { margin-top: 6px; }
@keyframes drift-a { from { transform: translateX(-7px); } to { transform: translateX(7px); } }
@keyframes drift-b { from { transform: translateX(4px); } to { transform: translateX(-4px); } }
.hero-skyline.auto .layer-navy { animation: drift-a 16s ease-in-out infinite alternate; }
.hero-skyline.auto .layer-sky { animation: drift-b 16s ease-in-out infinite alternate; }
@media (min-width: 720px) { .hero { --sky-w: 104vw; } }
@media (min-width: 1000px) {
  .hero { --sky-w: min(1060px, 80vw); padding-bottom: clamp(190px, 19vw, 260px); min-height: min(820px, 92svh); }
  .hero-skyline { left: auto; right: -3vw; transform: none; }
}

/* ---------- 2. Credibility strip ---------- */
.cred { position: relative; padding-top: clamp(28px, 5vw, 56px); overflow: hidden; }
.rule { height: 1px; background: var(--line); position: relative; }
.rule::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, var(--navy), var(--sky) 60%, transparent); transform: scaleX(0); transform-origin: left; transition: transform 1.4s var(--ease); width: 34%; }
.rule.in::after { transform: scaleX(1); }
.cred-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px 16px; padding-block: clamp(28px, 4vw, 48px); }
.cred-grid li { display: grid; gap: 6px; align-content: start; text-align: center; }
.cred-big { font-family: var(--font-display); font-weight: 500; color: var(--navy); font-size: clamp(1.3rem, 2.7vw, 2.15rem); letter-spacing: -0.03em; line-height: 1.15; font-variant-numeric: tabular-nums; display: flex; flex-wrap: wrap; justify-content: center; gap: 0 0.25em; }
.cred-big .arrow { color: var(--sky); }
.cred-label { font-size: 0.95rem; line-height: 1.4; max-width: 15rem; margin-inline: auto; }
.burst-wrap { position: relative; height: clamp(190px, 26vw, 330px); margin-top: clamp(8px, 2vw, 24px);
  background: radial-gradient(60% 100% at 50% 100%, rgba(111,168,220,0.55), rgba(214,231,247,0.55) 45%, rgba(255,255,255,0) 100%); }
.burst { position: absolute; inset: 0; width: 100%; height: 100%; }
@media (min-width: 820px) { .cred-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); } }

/* ---------- 3. The problem ---------- */
.problem { border-top: 1px solid var(--line); }
.problem-grid { display: grid; gap: clamp(40px, 6vw, 80px); align-items: center; }
.problem-copy { display: grid; gap: clamp(18px, 2.4vw, 26px); }
.problem-copy h2 { margin-bottom: 6px; }
.problem-copy p { font-family: var(--font-display); font-weight: 500; font-size: clamp(1.2rem, 2.3vw, 1.6rem); line-height: 1.38; letter-spacing: -0.018em; color: var(--navy); }
.js .problem-copy .w { color: rgba(91, 107, 125, 0.5); transition: color 0.35s linear; }
.js .problem-copy .w.on { color: var(--navy); }
.listings { display: grid; gap: 20px; }
.listing-grid { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: clamp(8px, 1.4vw, 14px); }
.tile { position: relative; aspect-ratio: 3 / 4; border-radius: 10px; border: 1px solid var(--line-strong); background: var(--white); padding: 16% 14%; display: grid; align-content: start; gap: 12%;
  transition: opacity 0.5s var(--ease), transform 0.5s var(--ease), background-color 0.5s, border-color 0.5s, box-shadow 0.5s; }
.tile i { display: block; height: 5px; border-radius: 3px; background: rgba(11, 45, 91, 0.16); transition: background-color 0.5s; }
.tile i:nth-child(1) { width: 78%; height: 7px; background: rgba(11, 45, 91, 0.28); }
.tile i:nth-child(2) { width: 100%; } .tile i:nth-child(3) { width: 56%; }
.tile::after { content: ""; position: absolute; left: 8%; right: 8%; top: 50%; height: 1.5px; background: var(--slate); transform: rotate(-38deg) scaleX(0); transition: transform 0.45s var(--ease); }
.tile.out { opacity: 0.38; transform: scale(0.96); }
.tile.out::after { transform: rotate(-38deg) scaleX(1); }
.tile.win { background: var(--pale); border-color: var(--sky); box-shadow: 0 0 0 4px rgba(111, 168, 220, 0.25), 0 14px 30px -12px rgba(111, 168, 220, 0.9); transform: translateY(-4px) scale(1.04); }
.tile.win i { background: var(--sky); } .tile.win i:nth-child(1) { background: var(--navy); }
.listings figcaption { font-size: 0.95rem; text-align: center; }
@media (min-width: 900px) { .problem-grid { grid-template-columns: 1.15fr 0.85fr; } }

/* ---------- 4. Services ---------- */
.cards { display: grid; gap: 18px; }
.card-wrap { perspective: 1100px; }
.card { position: relative; height: 100%; display: flex; flex-direction: column; gap: 14px; padding: clamp(22px, 2.6vw, 30px); padding-bottom: 0;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden;
  transition: transform 0.25s var(--ease), box-shadow 0.35s var(--ease); transform-style: preserve-3d; }
.card::before { content: ""; position: absolute; inset: 0; pointer-events: none; opacity: 0; transition: opacity 0.35s;
  background: radial-gradient(340px circle at var(--mx, 50%) var(--my, 0%), rgba(111, 168, 220, 0.26), transparent 70%); }
.card.hover { box-shadow: var(--shadow); } .card.hover::before { opacity: 1; }
.card-top { display: flex; align-items: flex-start; justify-content: space-between; gap: 16px; }
.card h3 { font-size: clamp(1.35rem, 2.1vw, 1.65rem); }
.card p { font-size: 0.975rem; position: relative; }
.expand { flex: none; width: 44px; height: 44px; margin: -6px -6px 0 0; border-radius: 12px; display: grid; place-items: center; background: rgba(214, 231, 247, 0.6); position: relative; transition: background-color 0.25s, transform 0.25s var(--ease); }
.expand svg { width: 18px; height: 18px; fill: none; stroke: var(--navy); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; transition: transform 0.25s var(--ease); }
.expand:hover { background: var(--navy); } .expand:hover svg { stroke: var(--white); transform: scale(1.15); }
.card-art { width: 100%; height: 230px; margin-top: auto; position: relative; }
@media (min-width: 900px) { .cards { grid-template-columns: repeat(3, minmax(0, 1fr)); } .card-art { height: 260px; } }

/* ---------- 5. How it works ---------- */
.how { position: relative; background: var(--navy); color: rgba(255, 255, 255, 0.76); overflow: clip; }
.how-pin { position: relative; padding-block: clamp(72px, 10vw, 120px); }
.ribbon { position: absolute; inset: 0; width: 100%; height: 100%; pointer-events: none; }
.how-inner { position: relative; display: grid; gap: clamp(36px, 5vw, 56px); }
.how h2 { color: var(--white); max-width: 16ch; }
.steps { position: relative; display: grid; gap: 30px; }
.steps::before { content: ""; position: absolute; left: 5px; top: 8px; bottom: 8px; width: 1px; background: rgba(255, 255, 255, 0.2); }
.step { position: relative; padding-left: 36px; display: grid; gap: 6px; }
.step-dot { position: absolute; left: 0; top: 5px; width: 11px; height: 11px; border-radius: 50%; background: var(--navy); border: 1.5px solid rgba(255, 255, 255, 0.55); transition: background-color 0.4s, border-color 0.4s, box-shadow 0.4s; }
.step-n { font-family: var(--font-display); font-weight: 700; font-size: 0.7rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--sky); }
.step h3 { color: var(--white); font-size: 1.15rem; font-weight: 600; letter-spacing: -0.01em; }
.step p { font-size: 0.95rem; line-height: 1.55; }
.step.lit .step-dot, .how:not(.pinned) .step-dot { background: var(--sky); border-color: var(--sky); box-shadow: 0 0 0 5px rgba(111, 168, 220, 0.18); }
.step--end.lit .step-dot, .how:not(.pinned) .step--end .step-dot { background: #EBCF9A; border-color: #EBCF9A; box-shadow: 0 0 0 6px rgba(235, 207, 154, 0.22), 0 0 26px 4px rgba(235, 207, 154, 0.5); }
.how-note { font-size: 0.95rem; padding: 12px 18px; border: 1px solid rgba(255, 255, 255, 0.22); border-radius: 999px; justify-self: start; color: var(--white); background: rgba(11, 45, 91, 0.6); }
@media (min-width: 1100px) and (min-height: 660px) and (prefers-reduced-motion: no-preference) {
  .js .how { height: 330vh; }
  .js .how-pin { position: sticky; top: 0; height: 100vh; padding-block: 0; display: flex; align-items: center; overflow: hidden; }
  .js .how-inner { width: 100%; padding-top: var(--nav-h); }
}
@media (min-width: 1100px) {
  .steps { grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 22px; }
  .steps::before { left: 0; right: 0; top: 5px; bottom: auto; width: auto; height: 1px; }
  .steps::after { content: ""; position: absolute; left: 0; right: 0; top: 5px; height: 1px; background: linear-gradient(90deg, var(--sky), #EBCF9A); transform: scaleX(var(--fill, 1)); transform-origin: left; }
  .step { padding: 34px 0 0; align-content: start; transition: opacity 0.5s var(--ease), transform 0.5s var(--ease); }
  .step-dot { top: 0; z-index: 1; }
  .step h3 { font-size: 1.02rem; } .step p { font-size: 0.85rem; }
  .step > :not(.step-dot) { transition: transform 0.5s var(--ease); }
  .how.pinned .step:not(.lit) { opacity: 0.22; }
  .how.pinned .step:not(.lit) > :not(.step-dot) { transform: translateY(10px); }
}

/* ---------- 6. Service detail ---------- */
.tabs { display: none; }
.panels { border-top: 1px solid var(--line); }
.panel-item { border-bottom: 1px solid var(--line); }
.acc-h { margin: 0; }
.acc-btn { width: 100%; min-height: 64px; display: flex; align-items: center; justify-content: space-between; gap: 16px; text-align: left; font-family: var(--font-display); font-weight: 500; font-size: 1.2rem; letter-spacing: -0.02em; color: var(--navy); }
.chev { flex: none; width: 12px; height: 12px; border-right: 2px solid var(--navy); border-bottom: 2px solid var(--navy); transform: rotate(45deg); transition: transform 0.35s var(--ease); margin-right: 6px; }
[aria-expanded="true"] > .chev { transform: rotate(-135deg); }
.panel { display: grid; grid-template-rows: 0fr; transition: grid-template-rows 0.45s var(--ease); }
.panel-item.open .panel { grid-template-rows: 1fr; }
.panel-clip { overflow: hidden; min-height: 0; visibility: hidden; transition: visibility 0s 0.45s; }
.panel-item.open .panel-clip { visibility: visible; transition-delay: 0s; }
.panel-inner { display: grid; gap: 28px; padding: 4px 0 30px; }
.panel-title { display: none; }
.panel-lead { display: grid; gap: 18px; align-content: start; }
.summary { font-family: var(--font-display); font-weight: 500; font-size: clamp(1.15rem, 2vw, 1.45rem); line-height: 1.35; letter-spacing: -0.018em; color: var(--navy); }
.bestfor { display: grid; gap: 8px; padding: 18px 20px; background: var(--stone); border-radius: 14px; }
.panel-inner .eyebrow { display: block; margin-bottom: 4px; color: var(--slate); }
.ticks, .crosses { display: grid; gap: 14px; margin-top: 10px; }
.ticks li, .crosses li { color: var(--navy); }
.js .ticks li, .js .crosses li { display: grid; grid-template-columns: 24px 1fr; gap: 12px; align-items: start; color: var(--navy); }
.ic { width: 24px; height: 24px; fill: none; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.ic circle { stroke: none; fill: var(--pale); }
.ic path { stroke: var(--navy); stroke-dasharray: 16; stroke-dashoffset: 0; }
.ic--cross circle { fill: var(--stone); } .ic--cross path { stroke: var(--slate); }
.js .draw .ic path { stroke-dashoffset: 16; }
.js .draw.in .ic path, .js .panel-item.play .ic path { stroke-dashoffset: 0; transition: stroke-dashoffset 0.5s var(--ease) calc(var(--i, 0) * 80ms + 150ms); }
@media (min-width: 860px) {
  .tabs { display: inline-flex; gap: 4px; padding: 5px; border-radius: 999px; background: var(--stone); margin-bottom: 36px; }
  .tabs [role="tab"] { min-height: 44px; padding: 0 22px; border-radius: 999px; font-family: var(--font-display); font-weight: 600; font-size: 0.925rem; color: var(--slate); transition: background-color 0.25s, color 0.25s, box-shadow 0.25s; }
  .tabs [aria-selected="true"] { background: var(--white); color: var(--navy); box-shadow: 0 1px 3px rgba(11, 45, 91, 0.16); }
  .panels, .panel-item { border: 0; }
  .acc-h { display: none; }
  .panel-item:not(.open) { display: none; }
  .panel { display: block; }
  .panel-clip { visibility: visible; overflow: visible; }
  .panel-inner { grid-template-columns: 0.9fr 1.1fr; gap: clamp(40px, 6vw, 96px); padding: 0; }
  .panel-title { display: block; font-size: clamp(1.6rem, 2.6vw, 2.1rem); }
  @keyframes panel-in { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: none; } }
  .panel-item.open .panel-inner { animation: panel-in 0.5s var(--ease) both; }
}

/* ---------- Shared: folding panels (FAQ answers, adviser bios) ---------- */
.fold { display: grid; grid-template-rows: 0fr; transition: grid-template-rows 0.45s var(--ease); }
.fold-clip { overflow: hidden; min-height: 0; visibility: hidden; transition: visibility 0s 0.45s; }
.is-open > .fold { grid-template-rows: 1fr; }
.is-open > .fold > .fold-clip { visibility: visible; transition-delay: 0s; }
html:not(.js) .fold { grid-template-rows: 1fr; } html:not(.js) .fold-clip { visibility: visible; }

/* ---------- 7. Who it's for ---------- */
.fit-grid { display: grid; gap: 18px; }
.fit-col { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(24px, 3.4vw, 40px); display: grid; gap: 14px; align-content: start; }
.fit-col--no { background: transparent; border-style: dashed; border-color: var(--line-strong); }
.fit-col--no li { color: var(--slate); }
@media (min-width: 820px) { .fit-grid { grid-template-columns: 1.1fr 0.9fr; } }

/* ---------- 8. About ---------- */
.portrait { display: block; position: relative; border-radius: 50%; overflow: hidden; aspect-ratio: 1; background: var(--pale); box-shadow: 0 0 0 1px var(--line), 0 18px 40px -18px rgba(11, 45, 91, 0.45); }
.portrait img { width: 100%; height: 100%; object-fit: cover; transition: filter 0.45s var(--ease); }
.portrait::after { content: ""; position: absolute; inset: 0; background: var(--navy); mix-blend-mode: color; opacity: 0; transition: opacity 0.45s var(--ease); }
@media (hover: hover) {
  .about-photo:hover .portrait img, .adviser-btn:hover .portrait img { filter: grayscale(1) contrast(1.06); }
  .about-photo:hover .portrait::after, .adviser-btn:hover .portrait::after { opacity: 0.7; }
}
.about-grid { display: grid; gap: clamp(32px, 6vw, 80px); align-items: center; }
.about-photo { display: grid; gap: 18px; justify-items: center; text-align: center; }
.about-photo .portrait { width: min(72vw, 340px); }
.about-photo figcaption { display: grid; gap: 2px; }
.about-photo strong, .adviser-id strong { font-family: var(--font-display); font-weight: 600; color: var(--navy); font-size: 1.05rem; letter-spacing: -0.01em; }
.about-photo figcaption span, .adviser-id > span { font-size: 0.9rem; }
.about-copy { display: grid; gap: 18px; justify-items: start; }
.about-copy h2 { margin-bottom: 8px; }
.about-copy p { max-width: 38rem; }
.advisers { margin-top: clamp(48px, 7vw, 88px); padding-top: clamp(28px, 4vw, 40px); border-top: 1px solid var(--line); display: grid; gap: 22px; }
.adviser-grid { display: grid; gap: 14px; align-items: start; }
.adviser { border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); transition: box-shadow 0.3s var(--ease), border-color 0.3s; }
.adviser:hover, .adviser.is-open { box-shadow: var(--shadow); }
.adviser-btn { width: 100%; display: grid; grid-template-columns: 76px 1fr auto; gap: 16px; align-items: center; padding: 16px 20px 16px 16px; text-align: left; border-radius: var(--radius); }
.adviser-id { display: grid; gap: 2px; }
.adviser .fold-clip p { padding: 4px 22px 24px; font-size: 0.95rem; }
@media (min-width: 820px) {
  .about-grid { grid-template-columns: 0.8fr 1.2fr; }
  .about-photo .portrait { width: min(100%, 380px); }
  .adviser-grid { grid-template-columns: 1fr 1fr; }
}

/* ---------- 9. Investments ---------- */
.invest { background: linear-gradient(180deg, #F6FAFE 0%, var(--white) 100%); border-top: 1px solid var(--line); overflow: hidden; }
.invest-grid { display: grid; gap: 8px; align-items: center; }
.invest-copy { display: grid; gap: 16px; }
.invest-copy p { max-width: 36rem; }
.tagline { font-family: var(--font-display); font-weight: 500; font-size: 1.15rem; color: var(--navy); letter-spacing: -0.015em; }
.facts { display: flex; flex-wrap: wrap; gap: 6px 0; margin-top: 8px; font-family: var(--font-display); font-weight: 600; font-size: 0.85rem; color: var(--navy); letter-spacing: 0.01em; }
.facts span { white-space: nowrap; }
.facts span:not(:last-child)::after { content: "\00B7"; margin-inline: 10px; color: var(--sky); font-weight: 700; }
.globe-wrap { position: relative; width: min(100%, 520px); aspect-ratio: 1; margin-inline: auto; }
.globe { position: absolute; inset: 0; width: 100%; height: 100%; touch-action: pan-y; cursor: grab; }
.globe:active { cursor: grabbing; }
.deals { display: grid; gap: 14px; margin-top: clamp(24px, 4vw, 48px); }
.deal { display: grid; gap: 20px; padding: clamp(20px, 2.6vw, 28px); background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); align-content: space-between; }
.deal h3 { font-size: 1.2rem; margin-bottom: 8px; }
.deal p { font-size: 0.95rem; }
.deal--minor { background: transparent; padding: 18px 22px; align-self: start; }
.deal--minor h3 { font-size: 1rem; font-weight: 600; margin-bottom: 2px; } .deal--minor p { font-size: 0.875rem; }
.deal-bars { display: flex; align-items: flex-end; gap: 14px; height: 132px; --bar: 92px; }
.bar { position: relative; flex: 0 0 76px; display: grid; justify-items: center; gap: 6px; }
.bar i { display: block; width: 100%; height: var(--bar); border-radius: 8px 8px 3px 3px; background: var(--pale); transform-origin: bottom; transform: scaleY(var(--h)); }
.bar--hi i { background: var(--navy); }
.bar b { position: absolute; bottom: calc(var(--bar) * var(--h) + 26px); font-family: var(--font-display); font-weight: 600; font-size: 0.95rem; color: var(--navy); font-variant-numeric: tabular-nums; }
.bar em { font-style: normal; font-size: 0.72rem; white-space: nowrap; }
.js .deal[data-reveal] .bar i { transform: scaleY(0); transition: transform 1.1s var(--ease) 0.25s; }
.js .deal[data-reveal].in .bar i { transform: scaleY(var(--h)); }
.js .deal[data-reveal].in .bar--hi i { transition-delay: 0.5s; }
@media (min-width: 900px) {
  .invest-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .deals { grid-template-columns: 1.25fr 1fr 0.7fr; }
  .deal:first-child { grid-template-columns: 1fr auto; align-items: end; }
}

/* ---------- Testimonials (hidden until real quotes exist) ---------- */
.quotes { display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.quote { padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); display: grid; gap: 16px; }
.quote blockquote { margin: 0; font-family: var(--font-display); font-weight: 500; font-size: 1.15rem; line-height: 1.4; color: var(--navy); }

/* ---------- 10. FAQ ---------- */
.faq-grid { display: grid; gap: 8px; }
.faq-list { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item h3 { margin: 0; }
.faq-item .acc-btn { font-size: clamp(1.05rem, 1.8vw, 1.2rem); min-height: 68px; padding-block: 14px; }
.faq-item .fold-clip p { padding: 0 40px 24px 0; max-width: 42rem; }
@media (min-width: 900px) { .faq-grid { grid-template-columns: 0.6fr 1.4fr; gap: 48px; } }

/* ---------- 11. Final CTA ---------- */
.cta { position: relative; overflow: hidden; isolation: isolate; padding-block: clamp(88px, 13vw, 168px); background: linear-gradient(180deg, var(--white), var(--stone)); text-align: center; }
.cta-bg { position: absolute; inset: 0; z-index: -1; opacity: 0.85; }
.cta-bg i { position: absolute; border-radius: 50%; will-change: transform; filter: blur(56px); } /* blur per blob so moving them only re-composites */
.cta-bg i:nth-child(1) { width: 52%; aspect-ratio: 1; left: -8%; top: 20%; background: var(--pale); animation: blob-a 22s ease-in-out infinite alternate; }
.cta-bg i:nth-child(2) { width: 44%; aspect-ratio: 1; right: -6%; top: -10%; background: var(--sky); opacity: 0.55; animation: blob-b 26s ease-in-out infinite alternate; }
.cta-bg i:nth-child(3) { width: 40%; aspect-ratio: 1; right: 18%; bottom: -40%; background: #A9C9EA; opacity: 0.7; animation: blob-a 30s ease-in-out infinite alternate-reverse; }
@keyframes blob-a { from { transform: translate3d(-6%, -4%, 0) scale(1); } to { transform: translate3d(10%, 8%, 0) scale(1.15); } }
@keyframes blob-b { from { transform: translate3d(4%, 6%, 0) scale(1.1); } to { transform: translate3d(-12%, -4%, 0) scale(0.95); } }
.cta-inner { display: grid; gap: 20px; justify-items: center; }
.cta-inner .lede { max-width: 34rem; color: var(--navy); opacity: 0.86; }
.cta-inner .btn { margin-top: 8px; min-height: 56px; padding-inline: 30px; font-size: 1.05rem; }
.cta-small { font-size: 0.95rem; color: var(--navy); overflow-wrap: anywhere; }

/* ---------- 12. Footer ---------- */
.footer { background: var(--navy); color: rgba(255, 255, 255, 0.74); padding-block: clamp(48px, 7vw, 80px); font-size: 0.9rem; }
.footer-grid { display: grid; gap: 22px; }
.footer-brand { display: flex; align-items: center; gap: 12px; }
.footer-brand .brand-mark { width: 96px; }
.footer-brand .brand-name { color: var(--white); font-size: 1.1rem; display: inline; }
.footer a { color: var(--white); text-decoration: none; overflow-wrap: anywhere; }
.footer a:hover { text-decoration: underline; }
.footer-links { display: flex; flex-wrap: wrap; gap: 4px 28px; }
.footer-links a { display: inline-flex; align-items: center; min-height: 44px; }
.footer-entity { color: var(--white); padding-bottom: 22px; border-bottom: 1px solid rgba(255, 255, 255, 0.16); }
.footer-entity span { opacity: 0.4; margin-inline: 6px; }
.disclaimer { max-width: 62rem; font-size: 0.8rem; line-height: 1.6; }
@media (min-width: 820px) { .footer-grid { grid-template-columns: 1fr auto; align-items: center; } .footer-entity, .disclaimer { grid-column: 1 / -1; } }

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; transition-delay: 0s !important; }
  .js [data-reveal] { opacity: 1; transform: none; }
  .hero-skyline.auto .layer { animation: none; }
}