/* ==========================================================================
   IKV Finservices — Page-level compositions
   Hero, investment atlas, category pages, contact, about.
   ========================================================================== */

/* ==========================================================================
   Homepage hero — split editorial layout
   ========================================================================== */
.hero {
  position: relative;
  background:
    linear-gradient(90deg, rgba(7, 29, 73, 0.9) 0%, rgba(7, 29, 73, 0.7) 30%, rgba(7, 29, 73, 0.4) 50%, transparent 70%),
    url('../images/hero.png') center center / cover no-repeat;
  color: #fff;
  overflow: hidden;
  isolation: isolate;
  border-bottom: var(--rule-hair);
  /* Dark ground: blue tokens and the link hover resolve to light values so
     anything inheriting from the document defaults stays legible here. */
  --c-blue: var(--c-gold-300);
  --c-blue-600: var(--c-gold-300);
  --c-link-hover: #fff;
  /* Full viewport: sticky header (utility + nav = --sticky-offset)
     plus hero fills the rest, marquee pinned to its base. */
  min-height: calc(100vh - var(--sticky-offset));
  min-height: calc(100svh - var(--sticky-offset));
  display: flex;
  flex-direction: column;
}
/* Light copy on the dark gradient. */
.hero .eyebrow { color: var(--c-gold-300); }
.hero__title { color: #fff; }
.hero .lead { color: #fff; }
.hero__meta { color: rgba(255, 255, 255, 0.78); }
.hero > .container-ikv {
  flex: 1 0 auto;
  display: flex;
  align-items: center;
  width: 100%;
}
.hero__inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(2rem, 1rem + 4vw, 4.5rem);
  align-items: center;
  align-content: center;
  flex: 1 0 auto;
  width: 100%;
  padding-block: clamp(3rem, 2rem + 5vw, 6.5rem);
}
.hero__copy { max-width: 48rem; }
.hero__brandline {
  font-family: var(--font-display);
  font-size: clamp(1rem, 0.95rem + 0.4vw, 1.1875rem);
  font-weight: 700;
  color: var(--c-navy);
  letter-spacing: -0.01em;
  margin-top: var(--sp-5);
  padding-top: var(--sp-4);
  border-top: var(--rule-gold);
  display: inline-block;
}
.hero__title { margin-bottom: var(--sp-5); color: #fff; }

/* Rotating headline word.
   The words share one inline-grid cell, so the box is always as wide as the
   widest word and as tall as a single line: swapping the word never reflows
   or re-wraps the headline. Only opacity and transform animate, and each word
   fades while it translates, so nothing is clipped mid-transition. */
.hero__rot {
  display: inline-grid;
  grid-template-areas: "slot";
  color: var(--c-gold-300);
  white-space: nowrap;
}
.hero__rot__word {
  grid-area: slot;
  display: block;
  /* Default resting state = the first word only, so the headline still reads
     correctly with no JavaScript. The data-hero-rot-state rules below take
     over once the rotator runs. */
  opacity: 0;
  transform: translateY(0.25em);
  filter: blur(6px);
  transition:
    opacity 0.55s ease,
    transform 0.55s cubic-bezier(0.22, 0.61, 0.36, 1),
    filter 0.55s ease;
  will-change: opacity, transform;
}
.hero__rot__word:first-child {
  opacity: 1;
  transform: translateY(0);
  filter: none;
}
.hero__rot__word[data-hero-rot-state="active"] {
  opacity: 1;
  transform: translateY(0);
  filter: none;
}
.hero__rot__word[data-hero-rot-state="out"] {
  opacity: 0;
  transform: translateY(-0.25em);
  filter: blur(6px);
}
.hero__rot__word[data-hero-rot-state="in"] {
  opacity: 0;
  transform: translateY(0.25em);
  filter: blur(6px);
}

/* Mobile: reduce animation gap even further for tighter transitions */
@media (max-width: 767.98px) {
  .hero__rot__word {
    transform: translateY(0.15em);
  }
  .hero__rot__word[data-hero-rot-state="out"] {
    transform: translateY(-0.15em);
  }
  .hero__rot__word[data-hero-rot-state="in"] {
    transform: translateY(0.15em);
  }
}

/* Reduced motion: keep the first word only, no transitions. The markup ships
   with every word in the same cell, so hiding the extras keeps the headline
   reading "Multiple Investment Opportunities." */
@media (prefers-reduced-motion: reduce) {
  .hero__rot { display: inline; }
  .hero__rot__word { display: none; }
  .hero__rot__word:first-child { display: inline; }
  .hero__rot__word { transition: none; }
}
.hero__actions { display: flex; flex-wrap: wrap; gap: var(--sp-3); margin-top: var(--sp-6); }

/* Hero buttons sit on a photograph, not on a flat navy field, so they carry
   an extra hairline to lift the edge off the image. Colours come from the
   dark-ground block in global.css: the primary is a gold fill and the ghost
   keeps a white outline until hover, where it fills gold. No white fill, so
   nothing punches a hole in the picture. */
.hero__actions .btn {
  box-shadow: 0 0 0 1px rgba(255, 255, 255, 0.18);
}
@media (hover: hover) and (prefers-reduced-motion: no-preference) {
  .hero__actions .btn:hover {
    box-shadow: 0 0 0 1px var(--c-gold-300), var(--shadow-btn-dark);
  }
}
.hero__meta {
  margin-top: var(--sp-6);
  font-size: var(--fs-xs);
  color: rgba(255, 255, 255, 0.78);
  display: flex;
  align-items: center;
  gap: var(--sp-3);
  flex-wrap: wrap;
}
.hero__meta span:not(:last-child)::after { content: "\00B7"; margin-left: var(--sp-3); color: var(--c-gold); }

/* ==========================================================================
   Hero marquee - the category index running right to left

   The list is duplicated in the markup so the loop is seamless: the track is
   exactly two identical groups, so translating -50% lands on a pixel-perfect
   repeat. The duplicate carries aria-hidden and tabindex="-1".

   The strip runs continuously. It does not pause on hover, on focus, or when
   scrolled out of view, and it carries no stop control.

   The one exception is prefers-reduced-motion. That is an operating-system
   accessibility setting rather than a stop control for this element: when it
   is on, the strip does not move and the list simply wraps.
   ========================================================================== */
.hero-marquee {
  background: var(--c-mist);
  border-top: var(--rule-hair);
  overflow: hidden;
  margin-top: auto;
  /* Light band inside the dark hero: it must not inherit the hero's white
     hover colour, or hovering a marquee link would erase the label. */
  --c-blue: #123f91;
  --c-blue-600: #1769d2;
  --c-link-hover: var(--c-navy);
}

.hero-marquee__viewport {
  min-width: 0;
  overflow: hidden;
  /* The edge inset lives here, not on the groups. Padding on the track or on
     either group would be measured into the -50% translate and break the
     pixel-perfect repeat; padding on the clipped viewport does not. */
  padding-inline: var(--sp-6);
  /* Fades the incoming and outgoing edges rather than cutting them hard. */
  -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 3%, #000 97%, transparent 100%);
  mask-image: linear-gradient(90deg, transparent 0, #000 3%, #000 97%, transparent 100%);
}

.hero-marquee__track {
  display: flex;
  width: max-content;
  animation: hero-marquee-scroll 44s linear infinite;
  will-change: transform;
}
.hero-marquee__group {
  display: flex;
  align-items: center;
  gap: var(--sp-6);
  /* Trailing padding equals the in-group gap so the seam between the two
     identical halves measures exactly like any internal gap — this is what
     makes the -50% loop point seamless. */
  padding-block: var(--sp-4);
  padding-right: var(--sp-6);
  list-style: none;
  margin: 0;
  flex: none;
}
/* Flex, so the entry and its dot share one centring axis regardless of the
   anchor's padding-block and underline. */
.hero-marquee__group li {
  flex: none;
  margin: 0;
  position: relative;
  display: flex;
  align-items: center;
}
/* Gold dot between entries. Centred on the entry's box rather than the text
   baseline, which would sit it too high next to the anchor's padding. */
.hero-marquee__group li::after {
  content: "\00B7";
  position: absolute;
  right: calc(var(--sp-6) / -2);
  top: 50%;
  transform: translateY(-50%);
  color: var(--c-gold);
  font-size: var(--fs-sm);
  line-height: 1;
  pointer-events: none;
}

.hero-marquee__group a {
  display: block;
  font-size: var(--fs-sm);
  line-height: 1.4;
  font-weight: 500;
  color: var(--c-navy);
  text-decoration: none;
  white-space: nowrap;
  padding-block: 0.15rem;
  border-bottom: 1px solid transparent;
  transition: color var(--dur-fast) var(--ease-out), border-color var(--dur-fast) var(--ease-out);
}
.hero-marquee__group a:hover { color: var(--c-navy-900); border-bottom-color: var(--c-gold); }

/* Exactly two identical groups, so -50% of the track lands on the seam. */
@keyframes hero-marquee-scroll {
  from { transform: translate3d(0, 0, 0); }
  to   { transform: translate3d(-50%, 0, 0); }
}

/* --- Responsive --------------------------------------------------------- */
@media (max-width: 767.98px) {
  .hero-marquee__viewport { padding-inline: var(--sp-5); }
  .hero-marquee__group { gap: var(--sp-5); padding-block: var(--sp-3); padding-right: var(--sp-5); }
  .hero-marquee__group li::after { right: calc(var(--sp-5) / -2); }
  .hero-marquee__track { animation-duration: 32s; }
}

/* --- Reduced motion: no movement at all, the list simply wraps ---------- */
@media (prefers-reduced-motion: reduce) {
  .hero-marquee__track { animation: none; }
  .hero-marquee__viewport {
    -webkit-mask-image: none;
    mask-image: none;
  }
  /* No trailing dot once the rows break: the last entry of a wrapped row is
     not a separator between anything. */
  .hero-marquee__group[aria-hidden="true"] { display: none; }
  .hero-marquee__group:first-child { flex-wrap: wrap; row-gap: var(--sp-3); }
  .hero-marquee__group:first-child li:last-child::after { content: none; }
}

@media (max-width: 991.98px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__copy { order: 1; }
}

/* ==========================================================================
   Introduction / principles
   ========================================================================== */
.principles { list-style: none; margin: 0; padding: 0; }
.principles li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: var(--sp-4);
  align-items: baseline;
  padding: var(--sp-4) 0;
  border-top: var(--rule-hair);
  margin: 0;
}
.principles li:last-child { border-bottom: var(--rule-hair); }
.principles__key {
  font-family: var(--font-display);
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
  color: var(--c-blue);
  min-width: 92px;
}
.principles__value { font-family: var(--font-display); font-size: var(--fs-h4); font-weight: 700; margin: 0; }
.principles__desc { font-size: var(--fs-sm); color: var(--color-text-muted); margin: var(--sp-1) 0 0; }

/* ==========================================================================
   Investment atlas (homepage Section 05)
   ========================================================================== */
.atlas { display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr); gap: clamp(2rem, 1rem + 4vw, 4rem); align-items: start; }
.atlas__feature { position: sticky; top: calc(var(--header-h) + var(--sp-5)); }
.atlas__groups { display: grid; gap: var(--sp-6); }
.atlas__group-title {
  font-family: var(--font-body);
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
  color: var(--c-navy);
  padding-bottom: var(--sp-3);
  margin-bottom: 0;
  border-bottom: 2px solid var(--c-navy);
}
@media (max-width: 991.98px) {
  .atlas { grid-template-columns: 1fr; }
  .atlas__feature { position: static; }
}

/* Landscape: bento structure x masonry rhythm (merged layout 1 + 8) */
.landscape-bento {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  grid-auto-rows: 210px;
  grid-auto-flow: dense;
  gap: 16px;
}
.bento-cell {
  position: relative;
  display: block;
  border-radius: 10px;
  overflow: hidden;
  background: var(--c-navy);
  color: #fff;
  text-decoration: none;
  border: 1px solid transparent;
  min-height: 210px;
}
.bento-cell img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; display: block; }
.bento-cell::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(4,18,44,0) 28%, rgba(4,18,44,.9) 100%); }
.bento-cell:hover { border-color: var(--c-gold); }
.bento-cell:hover img { transform: scale(1.04); }
.bento-cell img { transition: transform var(--dur) var(--ease-out); }
.bento-cell__body { position: absolute; left: 0; right: 0; bottom: 0; padding: 16px 18px; z-index: 1; }
.bento-cell__pill { display: inline-block; font-size: 10.5px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--c-gold-300); background: rgba(217,164,65,.16); border: 1px solid rgba(217,164,65,.5); border-radius: 100px; padding: 2px 10px; margin-bottom: 6px; }
.bento-cell__title { font-family: var(--font-display); font-size: 1.0625rem; font-weight: 700; line-height: 1.25; margin: 0 0 4px; color: #fff; }
.bento-cell__desc { font-size: 13px; line-height: 1.5; color: rgba(255,255,255,.78); margin: 0; }
.bento-cell.span2 { grid-column: span 2; }
.bento-cell.tall { grid-row: span 2; min-height: 436px; }
@media (max-width: 991.98px) { .landscape-bento { grid-template-columns: repeat(2, minmax(0, 1fr)); } .bento-cell.tall { min-height: 436px; } }
@media (max-width: 575.98px) {
  .landscape-bento { grid-template-columns: 1fr; grid-auto-rows: 230px; }
  .bento-cell.span2, .bento-cell.tall { grid-column: auto; grid-row: auto; min-height: 230px; }
}

/* Supporting image-led features */
.atlas-support { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-5); }
.atlas-support__item { display: flex; flex-direction: column; height: 100%; }
.atlas-support__item .frame { margin-bottom: var(--sp-4); }
@media (max-width: 767.98px) { .atlas-support { grid-template-columns: 1fr; } }

/* Option 3 — SaaS feature grid with photo thumbnails */
.saas-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  border: 1px solid var(--c-border);
  border-radius: 0;
  overflow: hidden;
  background: #fff;
}
.saas-cell {
  display: block;
  padding: 0 0 22px;
  text-decoration: none;
  color: inherit;
  border-bottom: 1px solid var(--c-border);
  border-right: 1px solid var(--c-border);
  border-radius: 0;
  transition: background var(--dur-fast) var(--ease-out);
  overflow: hidden;
}
.saas-cell:nth-child(3n) { border-right: 0; }
.saas-cell:nth-last-child(-n+3) { border-bottom: 0; }
.saas-cell:hover { background: var(--c-mist); }
/* Keyboard parity: a focused card gets the same tint as a hovered one, so the
   image zoom is not the only pointer-only affordance on the grid. */
.saas-cell:focus-visible { background: var(--c-mist); outline-offset: -3px; }
.saas-cell:focus-visible .saas-cell__img img { transform: scale(1.04); }
.saas-cell__img {
  display: block;
  aspect-ratio: 16 / 10;
  overflow: hidden;
  background: var(--c-mist);
  margin-bottom: 16px;
  border-radius: 0;
}
.saas-cell__img img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: center;
  display: block;
  border-radius: 0;
  transition: transform var(--dur) var(--ease-out);
}
.saas-cell:hover .saas-cell__img img { transform: scale(1.04); }
.saas-cell__title { font-family: var(--font-display); font-size: 1rem; font-weight: 700; margin: 0 22px 6px; color: var(--c-navy); }
.saas-cell__desc { font-size: 13.5px; line-height: 1.55; color: var(--color-text-muted); margin: 0 22px 10px; }
.saas-cell__link { font-size: 13px; font-weight: 700; color: var(--c-blue); margin: 0 22px; }
.saas-cell:hover .saas-cell__link { text-decoration: underline; }
@media (max-width: 991.98px) {
  .saas-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .saas-cell:nth-child(3n) { border-right: 1px solid var(--c-border); }
  .saas-cell:nth-child(2n) { border-right: 0; }
  .saas-cell:nth-last-child(-n+3) { border-bottom: 1px solid var(--c-border); }
  .saas-cell:nth-last-child(-n+2) { border-bottom: 0; }
}
@media (max-width: 575.98px) {
  .saas-grid { grid-template-columns: 1fr; }
  .saas-cell { border-right: 0 !important; border-bottom: 1px solid var(--c-border) !important; }
  .saas-cell:last-child { border-bottom: 0 !important; }
}

/* ==========================================================================
   Category (solutions) hero variants
   ========================================================================== */
.cat-hero { background: var(--c-navy); color: rgba(255, 255, 255, 0.78); position: relative; overflow: hidden; }
.cat-hero__inner {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
  gap: clamp(2rem, 1rem + 3vw, 3.5rem);
  align-items: center;
  padding-block: clamp(3rem, 2rem + 4vw, 5rem);
}
.cat-hero__copy h1 { color: #fff; max-width: 22ch; }
.cat-hero__copy .lead { color: rgba(255, 255, 255, 0.8); max-width: 52ch; }
.cat-hero__meta {
  display: grid;
  gap: var(--sp-4);
  border-top: 1px solid rgba(255, 255, 255, 0.16);
  padding-top: var(--sp-5);
  margin-top: var(--sp-6);
}
.cat-hero__meta dt {
  font-size: var(--fs-xs);
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
  color: var(--c-gold-300);
  margin-bottom: 2px;
}
.cat-hero__meta dd { margin: 0; font-size: var(--fs-sm); color: rgba(255, 255, 255, 0.85); }
.cat-hero__visual { position: relative; }
.cat-hero__visual svg { width: 100%; height: auto; display: block; }
@media (max-width: 991.98px) {
  .cat-hero__inner { grid-template-columns: 1fr; }
}

/* Two-column "what it is / who it may suit" split */
.split { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: clamp(2rem, 1rem + 4vw, 4.5rem); align-items: start; }
.split--sticky-visual { grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr); }
@media (max-width: 991.98px) { .split, .split--sticky-visual { grid-template-columns: 1fr; } }

.split__sticky { position: sticky; top: calc(var(--header-h) + var(--sp-5)); }
@media (max-width: 991.98px) { .split__sticky { position: static; } }

/* Checklist that is not a set of cards. */
.check-list { list-style: none; margin: 0; padding: 0; }
.check-list li {
  position: relative;
  padding-left: 1.75rem;
  margin-bottom: var(--sp-3);
  font-size: var(--fs-sm);
  color: var(--color-text-muted);
}
.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 8px;
  height: 8px;
  border-top: 2px solid var(--c-gold);
  border-right: 2px solid var(--c-gold);
  transform: rotate(45deg);
}
.check-list strong { color: var(--c-ink); }

/* Prose column for explanatory copy */
.prose { max-width: 68ch; }
.prose p { font-size: var(--fs-body); color: #33405c; }
.prose h3 { margin-top: var(--sp-6); }
.prose h3:first-child { margin-top: 0; }

/* Flow diagram: how the category works through IKV */
.flow { list-style: none; margin: 0; padding: 0; counter-reset: flow; }
.flow li {
  counter-increment: flow;
  position: relative;
  padding: var(--sp-4) 0 var(--sp-4) 3rem;
  border-bottom: var(--rule-hair);
  margin: 0;
}
.flow li::before {
  content: counter(flow, decimal-leading-zero);
  position: absolute;
  left: 0;
  top: var(--sp-4);
  font-family: var(--font-display);
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: 0.06em;
  color: var(--c-gold);
}
.flow__title { font-family: var(--font-display); font-size: var(--fs-sm); font-weight: 700; margin: 0 0 2px; }
.flow__desc { font-size: var(--fs-sm); color: var(--color-text-muted); margin: 0; }

/* Bond maturity timeline illustration */
.timeline-bands { display: grid; gap: var(--sp-4); }
.timeline-band {
  display: grid;
  grid-template-columns: minmax(140px, 220px) 1fr;
  gap: var(--sp-4);
  align-items: center;
  font-size: var(--fs-sm);
}
.timeline-band__bar {
  height: 40px;
  background: var(--c-mist-deep);
  position: relative;
  border-radius: var(--radius-sm);
}
.timeline-band__fill {
  position: absolute;
  top: 0;
  bottom: 0;
  left: 0;
  background: linear-gradient(90deg, var(--c-blue), var(--c-blue-600));
  border-radius: var(--radius-sm);
}
.timeline-band:nth-child(2) .timeline-band__fill { background: linear-gradient(90deg, var(--c-navy), var(--c-blue)); }
.timeline-band:nth-child(3) .timeline-band__fill { background: linear-gradient(90deg, var(--c-gold), var(--c-gold-300)); }
.timeline-band__label { font-weight: 600; color: var(--c-ink); }
.timeline-band__note { display: block; font-size: var(--fs-xs); color: var(--color-text-muted); }
@media (max-width: 575.98px) {
  .timeline-band { grid-template-columns: 1fr; gap: var(--sp-2); }
}

/* Income and stability section: headline measure, bars that draw in
   sequence, and a risk list that staggers in beside them. */
.income-feature h2 {
  text-wrap: balance;
  max-width: 26ch;
}
.income-feature .lead {
  max-width: 56ch;
}

/* Risk bars draw left-to-right once the column has revealed. */
.js-anim .income-feature .timeline-band__fill {
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform 1s var(--ease-out);
  will-change: transform;
}
.js-anim .income-feature .reveal.is-in .timeline-band__fill {
  transform: scaleX(1);
}
.js-anim .income-feature .reveal.is-in .timeline-band:nth-child(1) .timeline-band__fill { transition-delay: 0.15s; }
.js-anim .income-feature .reveal.is-in .timeline-band:nth-child(2) .timeline-band__fill { transition-delay: 0.35s; }
.js-anim .income-feature .reveal.is-in .timeline-band:nth-child(3) .timeline-band__fill { transition-delay: 0.55s; }

/* Risk accordion staggers in item by item. */
.js-anim .income-feature .accordion__item {
  opacity: 0;
  transform: translateY(10px);
  transition: opacity 0.5s var(--ease-out), transform 0.5s var(--ease-out);
}
.js-anim .income-feature .reveal.is-in .accordion__item {
  opacity: 1;
  transform: none;
}
.js-anim .income-feature .reveal.is-in .accordion__item:nth-child(1) { transition-delay: 0.2s; }
.js-anim .income-feature .reveal.is-in .accordion__item:nth-child(2) { transition-delay: 0.29s; }
.js-anim .income-feature .reveal.is-in .accordion__item:nth-child(3) { transition-delay: 0.38s; }
.js-anim .income-feature .reveal.is-in .accordion__item:nth-child(4) { transition-delay: 0.47s; }
.js-anim .income-feature .reveal.is-in .accordion__item:nth-child(5) { transition-delay: 0.56s; }

@media (prefers-reduced-motion: reduce) {
  .js-anim .income-feature .timeline-band__fill,
  .js-anim .income-feature .accordion__item {
    opacity: 1;
    transform: none;
    transition: none;
  }
}

/* Comparison of specialist categories */
.compare-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--sp-6); }
.compare-3__col { border-top: 2px solid var(--c-navy); padding-top: var(--sp-4); }
.compare-3__abbr {
  font-family: var(--font-display);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
  color: var(--c-gold);
  margin: 0 0 var(--sp-2);
}
.compare-3__col h3 { font-size: var(--fs-h4); margin-bottom: var(--sp-3); }
.compare-3__col p { font-size: var(--fs-sm); color: var(--color-text-muted); }
@media (max-width: 991.98px) { .compare-3 { grid-template-columns: 1fr; gap: var(--sp-5); } }

/* Postal scheme list */
.scheme-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--sp-4); }
.scheme-list li { margin: 0; border: var(--rule-hair); padding: var(--sp-4); }
.scheme-list__abbr { font-family: var(--font-display); font-size: var(--fs-h4); font-weight: 700; color: var(--c-navy); margin: 0; }
.scheme-list__full { font-size: var(--fs-xs); color: var(--color-text-muted); margin: 0; }
@media (max-width: 767.98px) { .scheme-list { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 400px) { .scheme-list { grid-template-columns: 1fr; } }

/* Loan / service list */
.service-list { list-style: none; margin: 0; padding: 0; }
.service-list li { margin: 0; border-top: var(--rule-hair); padding: var(--sp-5) 0; display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr); gap: var(--sp-5); }
.service-list li:last-child { border-bottom: var(--rule-hair); }
.service-list__title { font-family: var(--font-display); font-size: var(--fs-h4); font-weight: 700; margin: 0 0 var(--sp-2); }
.service-list__desc { font-size: var(--fs-sm); color: var(--color-text-muted); margin: 0; }
@media (max-width: 767.98px) {
  .service-list li { grid-template-columns: 1fr; gap: var(--sp-2); }
}

/* Global / international section backdrop */
.global-visual {
  position: relative;
  background: linear-gradient(160deg, var(--c-navy-900), var(--c-navy) 55%, #0b2f68);
  overflow: hidden;
}
.global-visual svg { width: 100%; height: auto; display: block; }

/* Global section type, media motion and staggered risk list. */
.global-visual h2 {
  text-wrap: balance;
  max-width: 24ch;
}
.global-visual .lead {
  max-width: 56ch;
}
.gv-media img {
  transform: scale(1);
  transition: transform 1.6s var(--ease-out);
  will-change: transform;
}
.gv-media::after {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background: linear-gradient(105deg, transparent 40%, rgba(255, 255, 255, 0.22) 50%, transparent 60%);
  transform: translateX(-120%);
}
.js-anim .gv-media img {
  transform: scale(1.09);
}
.js-anim .global-visual .reveal.is-in .gv-media img {
  transform: scale(1);
}
.js-anim .global-visual .reveal.is-in .gv-media::after {
  animation: mf-sheen 1.4s var(--ease-out) 0.35s 1 both;
}
.gv-media:hover img,
.js-anim .global-visual .reveal.is-in .gv-media:hover img {
  transform: scale(1.035);
  transition-duration: 0.6s;
}

/* Risk list staggers in item by item. */
.js-anim .global-visual .check-list li {
  opacity: 0;
  transform: translateY(10px);
  transition: opacity 0.5s var(--ease-out), transform 0.5s var(--ease-out);
}
.js-anim .global-visual .reveal.is-in .check-list li {
  opacity: 1;
  transform: none;
}
.js-anim .global-visual .reveal.is-in .check-list li:nth-child(1) { transition-delay: 0.2s; }
.js-anim .global-visual .reveal.is-in .check-list li:nth-child(2) { transition-delay: 0.29s; }
.js-anim .global-visual .reveal.is-in .check-list li:nth-child(3) { transition-delay: 0.38s; }
.js-anim .global-visual .reveal.is-in .check-list li:nth-child(4) { transition-delay: 0.47s; }

@media (prefers-reduced-motion: reduce) {
  .gv-media img,
  .js-anim .gv-media img,
  .js-anim .global-visual .check-list li {
    transform: none;
    opacity: 1;
    transition: none;
  }
  .js-anim .global-visual .reveal.is-in .gv-media::after {
    animation: none;
  }
  .gv-media::after {
    display: none;
  }
}

/* ==========================================================================
   About page
   ========================================================================== */
.values { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: var(--sp-5); }
.values__item { border-top: 2px solid var(--c-navy); padding-top: var(--sp-4); }
.values__item h3 { font-size: var(--fs-h4); margin-bottom: var(--sp-2); }
.values__item p { font-size: var(--fs-sm); color: var(--color-text-muted); }
@media (max-width: 991.98px) { .values { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 575.98px) { .values { grid-template-columns: 1fr; } }

.leader { display: grid; grid-template-columns: 260px minmax(0, 1fr); gap: clamp(1.5rem, 1rem + 2vw, 2.5rem); align-items: start; }
.leader__photo { width: 100%; aspect-ratio: 3 / 4; object-fit: cover; background: var(--c-mist-deep); border: 1px solid var(--c-border); }
@media (max-width: 767.98px) { .leader { grid-template-columns: 1fr; } .leader__photo { max-width: 220px; } }

/* Portrait beside the biography, where the page sits the two in one card. */
@media (min-width: 768px) {
  .leader--duo { grid-template-columns: 220px minmax(0, 1fr); }
}

/* Portrait-sized tile used where no approved photograph exists yet. */
.leader__photo--icon { display: flex; align-items: center; justify-content: center; }
.leader__photo--icon .icon { width: 44px; height: 44px; color: #8fa0be; }

/* ==========================================================================
   Contact page
   ========================================================================== */
.contact-layout { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 0.75fr); gap: clamp(2rem, 1rem + 4vw, 4rem); align-items: start; }
@media (max-width: 991.98px) { .contact-layout { grid-template-columns: 1fr; } }

.contact-card { border: var(--rule-hair); padding: var(--sp-5); background: #fff; }
.contact-card + .contact-card { margin-top: var(--sp-4); }

/* Contact section layout: centred heading, a two-up row of phone cards,
   and one centred form card. The sibling-margin rule above is neutralised
   inside the grid so both cards share one top edge. */
.contact-cards {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--sp-4);
  max-width: 56rem;
  margin: 0 auto var(--sp-6);
}
.contact-cards .contact-card + .contact-card { margin-top: 0; }
@media (max-width: 767.98px) {
  .contact-cards { grid-template-columns: 1fr; }
}
.contact-card__title svg {
  width: 15px;
  height: 15px;
  flex: none;
  color: var(--c-gold);
}
.contact-cards .contact-card__title {
  display: flex;
  align-items: center;
  gap: var(--sp-2);
}
.contact-formwrap {
  max-width: 46rem;
  margin-inline: auto;
}
.contact-formwrap .contact-form {
  background: #fff;
  border: var(--rule-hair);
  padding: clamp(1.5rem, 1.2rem + 2vw, 2.75rem);
}
.contact-card__title {
  font-family: var(--font-body);
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
  color: var(--c-navy);
  margin-bottom: var(--sp-3);
}
.contact-card__value { font-family: var(--font-display); font-size: var(--fs-h4); font-weight: 700; margin: 0 0 var(--sp-2); }
.contact-card__value a { color: var(--c-navy); text-decoration: none; }
.contact-card__value a:hover { color: var(--c-link-hover); }
/* Supporting line under the value: quieter, and no trailing margin so the
   card's own padding sets a clean bottom edge. */
.contact-card__value + p { font-size: var(--fs-sm); color: var(--color-text-muted); margin-bottom: 0; }

/* Contact card used on a dark background. Declared after the base rules so
   the surface and text colours actually override the light variant. */
.contact-card--on-dark {
  background: rgba(255, 255, 255, 0.06);
  border-color: rgba(255, 255, 255, 0.18);
}
.contact-card--on-dark .contact-card__title { color: var(--c-gold-300); }
.contact-card--on-dark .contact-card__value,
.contact-card--on-dark .contact-card__value a { color: #fff; }
.contact-card--on-dark p { color: rgba(255, 255, 255, 0.74); }
.contact-card--on-dark a:hover { color: var(--c-gold-300); }
.contact-card p { font-size: var(--fs-sm); color: var(--color-text-muted); }

.contact-form { border: var(--rule-hair); padding: clamp(1.5rem, 1.2rem + 2vw, 3rem); background: #fff; }
.no-js-note { border: var(--rule-hair); background: var(--c-mist); padding: var(--sp-4); font-size: var(--fs-sm); }

/* ==========================================================================
   FAQ page
   ========================================================================== */
.faq-layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: clamp(2rem, 1rem + 3vw, 3.5rem); align-items: start; }
@media (max-width: 991.98px) { .faq-layout { grid-template-columns: 1fr; } }
.faq-aside { position: sticky; top: calc(var(--header-h) + var(--sp-5)); }
@media (max-width: 991.98px) { .faq-aside { position: static; } }
.faq-aside__list { list-style: none; margin: 0; padding: 0; font-size: var(--fs-sm); }
.faq-aside__list li { margin: 0; }
.faq-aside__list a { color: var(--c-ink); text-decoration: none; border-bottom: var(--rule-hair); display: block; padding: var(--sp-3) 0; transition: color var(--dur-fast) var(--ease-out); }
.faq-aside__list a:hover { color: var(--c-link-hover); }
.faq-aside__group + .faq-aside__group { margin-top: var(--sp-5); }
.faq-aside__group-title { font-size: var(--fs-xs); letter-spacing: var(--ls-eyebrow); text-transform: uppercase; color: var(--c-blue); font-weight: 700; margin-bottom: var(--sp-2); }

/* ==========================================================================
   Calculators page
   ========================================================================== */
.calc-directory { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0 var(--sp-6); }
@media (max-width: 991.98px) { .calc-directory { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 575.98px) { .calc-directory { grid-template-columns: 1fr; } }

/* ==========================================================================
   Solution detail: related solutions
   ========================================================================== */
.related { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--sp-5); }
.related__item {
  border-top: 2px solid var(--c-gold);
  padding-top: var(--sp-4);
  display: block;
  text-decoration: none;
  color: var(--c-ink);
  transition: border-color var(--dur) var(--ease-out);
}
.related__item:hover { border-top-color: var(--c-navy); color: var(--c-ink); }
.related__title { font-family: var(--font-display); font-size: var(--fs-h4); font-weight: 700; margin: 0 0 var(--sp-2); }
.related__desc { font-size: var(--fs-sm); color: var(--color-text-muted); margin: 0; }
@media (max-width: 767.98px) { .related { grid-template-columns: 1fr; } }