/* =====================================================
   INCOME ADVISORY FA — Brand-compliant
   Brand colours (CI guide — use these values only for brand blue/orange):
     Income Blue — Pantone 285C, CMYK 80/40/0/0, RGB 0,135,226, HEX #0087E2
     Income Orange — Pantone 1505C, CMYK 0/70/90/0, RGB 255,118,0, HEX #FF7600
     Layout balance (not opacity): ~75% blue fields / ~25% orange accents
   Neutrals for body/headings on white: #6C6F70 (Income typography grey)
   Typography: Ubuntu only (Regular & Bold)
   ===================================================== */
   /* Here’s the before vs current blue values:

   Primary brand blue (--brand-blue)
   
   Before: #0087E2 (RGB 0, 135, 226)
   Current: #1195E8 (RGB 17, 149, 232)
   Gradient dark stop (used in 2 places)
   
   Before: #006BB8 (RGB 0, 107, 184)
   Current: #0E7EC6 (RGB 14, 126, 198) */
@import url('https://fonts.googleapis.com/css2?family=Ubuntu:wght@400;700&display=swap');

/* =====================================================
   CSS VARIABLES
   ===================================================== */
:root {
  /* Brand colours */
  --income-blue:    #6C6F70;   /* text & subtle UI on white — NOT structural blue */
  --brand-blue:     #0087E2;   /* Income Blue 100% (Pantone 285C) */
  --income-orange:  #FF7600;
  --orange:         #FF7600;
  --orange-dark:    #E56A00;
  --orange-light:   #FFF3E6;
  --orange-mid:     #FFE0C2;
  --navy:           #6C6F70;   /* headings/body on white */
  --navy-mid:       #5a5d5e;
  --dark:           #444444;
  --gray-dark:      #444444;
  --gray:           #6C6F70;
  --gray-light:     #D8DADB;
  --off-white:      #F5F7FA;
  --white:          #FFFFFF;
  --border:         #E5E7EB;
  --shadow-sm:      0 2px 8px rgba(0,0,0,0.08);
  --shadow:         0 4px 20px rgba(0,0,0,0.10);
  --shadow-lg:      0 8px 32px rgba(0,0,0,0.12);
  --font:           'Ubuntu', sans-serif;
  --radius:         8px;
  --radius-lg:       12px;
  --transition:      0.3s ease;
  --nav-height:      80px;

  /* Brand RGB for opacity controls */
  --brand-blue-rgb:   0, 135, 226;  /* #0087E2 */
  --brand-orange-rgb: 255, 118, 0;  /* #FF7600 */

  /* Main color opacity controls (100% default) */
  /* --brand-blue-opacity:   1;
  --brand-orange-opacity: 1; */
  --brand-blue-main:   rgba(var(--brand-blue-rgb), var(--brand-blue-opacity));
  --brand-orange-main: rgba(var(--brand-orange-rgb), var(--brand-orange-opacity));

  /* Screenshot presets: uncomment ONE at a time */
  /* --brand-blue-opacity: 0.2; --brand-orange-opacity: 0.2; */
  /* --brand-blue-opacity: 0.3; --brand-orange-opacity: 0.3; */
  /* --brand-blue-opacity: 0.4; --brand-orange-opacity: 0.4; */
  /* --brand-blue-opacity: 0.5; --brand-orange-opacity: 0.5; */
  --brand-blue-opacity: 0.6; --brand-orange-opacity: 0.6;
  /* --brand-blue-opacity: 0.7; --brand-orange-opacity: 0.7; */
  /* --brand-blue-opacity: 0.8; --brand-orange-opacity: 0.8; */
}

/* =====================================================
   RESET & BASE
   ===================================================== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; overflow-x: hidden; }
body {
  font-family: var(--font);
  color: var(--gray-dark);
  background: var(--white);
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a  { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* =====================================================
   TYPOGRAPHY — Ubuntu only, clear hierarchy
   ===================================================== */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font);
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
}
h1 { font-size: clamp(2.25rem, 5vw, 3.5rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.5rem, 2.8vw, 2rem); font-weight: 700; }
h3 { font-size: clamp(1.1rem, 2vw, 1.35rem); }
h4 { font-size: 1.05rem; }
p  { margin-bottom: 1rem; font-weight: 400; line-height: 1.7; }
p:last-child { margin-bottom: 0; }
body { line-height: 1.65; }

/* =====================================================
   LAYOUT
   ===================================================== */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
/* 8px spacing scale */
.section       { padding: 80px 0; }
.section--sm   { padding: 56px 0; }
.section--lg   { padding: 96px 0; }

/* Section colour variants — 75% Income Blue, 25% Orange (accents only) */
.section--white  { background: var(--white); }
.section--gray   { background: var(--off-white); }
.section--blue   { background: var(--brand-blue-main); }
.section--blue h1,
.section--blue h2,
.section--blue h3,
.section--blue h4 { color: var(--white); }
.section--blue p  { color: var(--white); }
.section--orange { background: var(--brand-orange-main); }
.section--orange h1,
.section--orange h2,
.section--orange h3,
.section--orange h4,
.section--orange p { color: var(--white); }
.section--navy   { background: var(--brand-blue-main); }
.section--navy h1,
.section--navy h2,
.section--navy h3,
.section--navy h4 { color: var(--white); }
.section--navy p   { color: var(--white); }

.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 40px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }

/* Home services: keep two cards centered when only two are shown */
.home-services-grid {
  grid-template-columns: repeat(2, minmax(280px, 1fr));
  justify-content: center;
  max-width: 760px;
  margin: 0 auto;
}

.home-services-grid .card {
  min-height: 0;
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: flex-start;
  gap: 14px;
  padding: 14px 18px;
  border-radius: 10px;
}

.home-services-grid .card__icon {
  width: 44px;
  height: 44px;
  margin-bottom: 0;
}

.home-services-grid .card h3 {
  margin: 0;
  line-height: 1.2;
  font-size: 1.05rem;
  max-width: none;
}

/* =====================================================
   NAVIGATION — Always white, clean
   ===================================================== */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--nav-height);
  background: var(--white);
  box-shadow: 0 2px 16px rgba(0,0,0,0.08);
}

.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.nav__logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  padding: 0 12px 0 0;
}

.nav__logo-img {
  height: 88px;
  width: auto;
  display: block;
  object-fit: contain;
}

.nav__menu {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav__link {
  display: block;
  padding: 8px 18px;
  font-size: 0.88rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gray-dark);
  border-radius: var(--radius);
  transition: color var(--transition), background var(--transition);
  position: relative;
}

.nav__link::after {
  content: '';
  position: absolute;
  bottom: 2px;
  left: 18px;
  right: 18px;
  height: 2px;
  background: var(--orange);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}

.nav__link:hover,
.nav__link.active {
  color: var(--orange);
}

.nav__link:hover::after,
.nav__link.active::after {
  transform: scaleX(1);
}

/* Mobile toggle */
.nav__toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 12px;
  background: none;
  border: none;
  min-width: 44px;
  min-height: 44px;
  align-items: center;
  justify-content: center;
  -webkit-tap-highlight-color: transparent;
}

.nav__toggle span {
  display: block;
  width: 26px;
  height: 2px;
  background: var(--navy);
  transition: all var(--transition);
  transform-origin: center;
}

.nav__toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__toggle.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav__toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* =====================================================
   HERO — Professional warm gradient
   ===================================================== */
/* Hero — Income Blue dominant, white text, orange CTA only */
.hero {
  position: relative;
  min-height: min(88vh, 820px);
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: var(--nav-height);
  background: var(--brand-blue-main);
}

.hero__bg {
  position: absolute;
  inset: 0;
  background: var(--brand-blue-main);
  z-index: 0;
}

.hero__arc,
.hero__arc-2 { display: none; }

.hero__dots {
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  background-image: radial-gradient(rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 32px 32px;
}

.hero__content {
  position: relative;
  z-index: 2;
  max-width: 680px;
  padding: 24px 0 48px;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: none;
  border: none;
  color: var(--white);
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  padding: 0;
  border-radius: 0;
  margin-bottom: 32px;
}

.hero__badge svg {
  width: 14px; height: 14px;
  fill: none; stroke: currentColor; stroke-width: 2;
}

.hero__title-box {
  display: block;
  width: fit-content;
  max-width: 100%;
  margin-bottom: 28px;
  padding: 0;
  background: none;
  border: none;
  border-radius: 0;
  box-shadow: none;
  -webkit-backdrop-filter: none;
  backdrop-filter: none;
}

.hero__title-box h1 {
  color: var(--white);
  margin: 0;
  font-size: clamp(2.4rem, 5.5vw, 3.6rem);
  line-height: 1.2;
  font-weight: 700;
}

/* Full headline white on hero (no panel) */
.hero__title-box h1 .accent {
  color: var(--white);
}

.hero__lead {
  font-size: 1.2rem;
  color: var(--white);
  margin-bottom: 40px;
  max-width: 560px;
  line-height: 1.75;
  font-weight: 400;
}

.hero__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  align-items: center;
}

.hero__trust {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-top: 56px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.hero__trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.875rem;
  color: var(--white);
  font-weight: 400;
}

.hero__trust-item svg {
  width: 18px; height: 18px;
  fill: none; stroke: var(--white);
  stroke-width: 2; flex-shrink: 0;
}

/* Page hero (inner pages) — strong blue */
.page-hero {
  position: relative;
  padding: calc(var(--nav-height) + 64px) 0 64px;
  background: var(--brand-blue-main);
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: var(--brand-blue-main);
}


.page-hero .container { position: relative; z-index: 1; }

.page-hero__eyebrow {
  font-size: 0.9rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--white);
  background: none;
  border: none;
  border-radius: 0;
  padding: 0;
  width: fit-content;
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 10px;
}


.page-hero h1 { color: var(--white); margin-bottom: 16px; }

.page-hero__sub {
  color: var(--white);
  font-size: 1.05rem;
  max-width: 560px;
  line-height: 1.65;
}


/* =====================================================
   BUTTONS
   ===================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  width: fit-content;
  max-width: 100%;
  padding: 12px 24px;
  font-family: var(--font);
  font-size: 0.88rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  border-radius: 8px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
  line-height: 1;
}

/* Primary CTA — Income Orange only */
.btn-primary {
  background: var(--orange);
  color: var(--white);
  border-color: var(--orange);
}
.btn-primary:hover {
  background: var(--orange-dark);
  border-color: var(--orange-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(255, 118, 0, 0.35);
}

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--white);
}

.btn-outline-orange {
  background: transparent;
  color: var(--orange);
  border-color: var(--orange);
}
.btn-outline-orange:hover {
  background: var(--orange);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-white {
  background: var(--white);
  color: var(--orange);
  border-color: var(--white);
}
.btn-white:hover {
  background: var(--orange-light);
  transform: translateY(-2px);
}

.btn svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 2; flex-shrink: 0; }

/* =====================================================
   SECTION HEADER
   ===================================================== */
.section-header        { margin-bottom: 52px; }
.section-header--center { text-align: center; }

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: none;
  color: var(--orange);
  width: fit-content;
  max-width: 100%;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  padding: 0;
  border-radius: 0;
  margin-bottom: 16px;
}

.section-tag--light {
  background: none;
  color: var(--white);
}
.section--blue .section-tag {
  background: none;
  color: var(--white);
}

.section-header h2 {
  color: var(--navy);
  margin-bottom: 16px;
}

.section--orange .section-header h2,
.section--navy   .section-header h2,
.section--blue   .section-header h2 { color: var(--white); }

.section-header p {
  color: var(--gray);
  max-width: 580px;
  font-size: 1.02rem;
}

.section-header--center p { margin: 0 auto; }
.section--orange .section-header p { color: rgba(255,255,255,0.85); }
.section--navy   .section-header p { color: var(--white); }
.section--blue   .section-header p { color: var(--white); }

.section-line {
  width: 48px; height: 4px;
  background: var(--orange);
  border-radius: 2px;
  margin: 16px 0;
}
.section-header--center .section-line { margin: 16px auto; }
.section--orange .section-line { background: rgba(255,255,255,0.5); }
.section--blue .section-line { background: var(--income-orange); }
.section--navy .section-line { background: var(--income-orange); }

/* =====================================================
   STATS STRIP
   ===================================================== */
.stats-strip {
  background: var(--white);
  border-top: 1px solid var(--border);
  box-shadow: 0 -4px 24px rgba(0,0,0,0.06);
  padding: 56px 0;
}
.stats-strip .stat-item__number { color: var(--brand-blue); font-weight: 700; }
.stats-strip .stat-item__label { color: var(--gray); font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.06em; }
.stats-strip .stat-item { border-right: 1px solid var(--border); }
.stats-strip .stat-item:last-child { border-right: none; }

.stats-strip__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
}

.stat-item {
  text-align: center;
  padding: 16px 24px;
  border-right: 1px solid var(--border);
}
.stat-item:last-child { border-right: none; }

.stat-item__number {
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--orange);
  line-height: 1;
  margin-bottom: 6px;
}

.stat-item__label {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gray);
}

/* =====================================================
   CARDS
   ===================================================== */
.card {
  background: var(--white);
  border-radius: 12px;
  padding: 24px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--orange-mid);
}

.card--top-accent { border-top: 4px solid var(--orange); }
.card--left-accent {
  border-left: 4px solid var(--orange);
  border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
}

.card__icon {
  width: 56px; height: 56px;
  border-radius: var(--radius);
  background: var(--orange-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  flex-shrink: 0;
  transition: background var(--transition);
}

.card:hover .card__icon { background: var(--orange); }

.card__icon svg {
  display: block;
  width: 26px; height: 26px;
  color: var(--orange);
  fill: none;
  stroke: currentColor;
  stroke-width: 1.5;
  transition: color var(--transition);
}

.card:hover .card__icon svg { color: var(--white); }

.card h3 {
  margin-bottom: 10px;
  color: var(--navy);
  font-size: 1.15rem;
}

.card p { color: var(--gray); font-size: 0.95rem; line-height: 1.7; }

/* Value card */
/* Core Values section: 2-col on desktop, stack on mobile */
.values-section__grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 72px;
  align-items: center;
}
.values-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.value-card {
  padding: 28px 28px 28px 32px;
  border-left: 4px solid var(--orange);
  background: var(--white);
  border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
  box-shadow: var(--shadow-sm);
  border-top: 1px solid var(--border);
  border-right: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  transition: transform var(--transition), box-shadow var(--transition);
}

.value-card:hover {
  transform: translateX(4px);
  box-shadow: var(--shadow);
}

.value-card__num {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--orange);
  margin-bottom: 8px;
}

.value-card h3 {
  color: var(--navy);
  font-size: 1.1rem;
  margin-bottom: 8px;
}

.value-card p { color: var(--gray); font-size: 0.9rem; }

/* =====================================================
   HOME: SPLIT SECTION
   ===================================================== */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  align-items: stretch;
}

.split__visual {
  background: var(--orange-light);
  position: relative;
  overflow: hidden;
  min-height: 420px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.split__visual--navy {
  background: var(--brand-blue-main);
}

.split__content {
  padding: 72px 60px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

/* Hero graphic (About section) – animated */
.hero-graphic {
  padding: 24px;
}
.hero-graphic__svg {
  width: 100%;
  max-width: 340px;
  height: auto;
  display: block;
}
.hero-graphic__ring {
  transform-origin: 50% 50%;
  opacity: 0;
  animation: hero-ring-in 1s ease-out forwards;
}
.hero-graphic__ring--1 { animation-delay: 0.1s; }
.hero-graphic__ring--2 { animation-delay: 0.25s; }
.hero-graphic__ring--3 { animation-delay: 0.4s; }
.hero-graphic__spoke {
  opacity: 0;
  animation: hero-fade-in 0.6s ease-out 0.5s forwards;
}
.hero-graphic__spoke--diag { animation-delay: 0.65s; }
.hero-graphic__center-outer {
  transform-origin: 50% 50%;
  opacity: 0;
  animation: hero-center-in 0.6s ease-out 0.35s forwards;
}
.hero-graphic__center {
  transform-origin: 50% 50%;
  opacity: 0;
  animation: hero-center-in 0.5s ease-out 0.45s forwards, hero-pulse 3s ease-in-out 1.5s infinite;
}
.hero-graphic__label {
  opacity: 0;
  animation: hero-fade-in 0.4s ease-out 0.6s forwards;
}
.hero-graphic__node {
  transform-origin: 50% 50%;
  opacity: 0;
  animation: hero-node-in 0.5s ease-out 0.5s forwards;
}
/* Nodes are 12th–19th children inside .hero-graphic__spin-inner (after 3 rings + 8 spokes) */
.hero-graphic__spin-inner .hero-graphic__node:nth-child(12) { animation-delay: 0.5s; }
.hero-graphic__spin-inner .hero-graphic__node:nth-child(13) { animation-delay: 0.6s; }
.hero-graphic__spin-inner .hero-graphic__node:nth-child(14) { animation-delay: 0.7s; }
.hero-graphic__spin-inner .hero-graphic__node:nth-child(15) { animation-delay: 0.8s; }
.hero-graphic__spin-inner .hero-graphic__node:nth-child(16) { animation-delay: 0.85s; }
.hero-graphic__spin-inner .hero-graphic__node:nth-child(17) { animation-delay: 0.9s; }
.hero-graphic__spin-inner .hero-graphic__node:nth-child(18),
.hero-graphic__spin-inner .hero-graphic__node:nth-child(19) { animation-delay: 0.95s; }
.hero-graphic__center-outer {
  animation: hero-center-in 0.6s ease-out 0.35s forwards, hero-pulse 3s ease-in-out 1.5s infinite;
}
/* Slow spin for rings/spokes/nodes – IAFA center stays fixed */
.hero-graphic__spin-inner {
  transform-origin: 50% 50%;
  animation: hero-spin 22s linear 2s infinite;
}
@keyframes hero-spin {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}
@keyframes hero-ring-in {
  from {
    opacity: 0;
    transform: scale(0.85);
  }
  to {
    opacity: 1;
    transform: scale(1);
  }
}
@keyframes hero-fade-in {
  from { opacity: 0; }
  to { opacity: 1; }
}
@keyframes hero-center-in {
  from {
    opacity: 0;
    transform: scale(0.7);
  }
  to {
    opacity: 1;
    transform: scale(1);
  }
}
@keyframes hero-node-in {
  from {
    opacity: 0;
    transform: scale(0);
  }
  to {
    opacity: 1;
    transform: scale(1);
  }
}
@keyframes hero-pulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.04); opacity: 1; }
}

/* =====================================================
   SERVICE ICONS ROW
   ===================================================== */
.service-icon-card {
  text-align: center;
  padding: 36px 20px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  transition: all var(--transition);
  cursor: default;
}

.service-icon-card:hover {
  border-color: var(--orange);
  box-shadow: var(--shadow);
  transform: translateY(-4px);
}

.service-icon-card__icon {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: var(--orange-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  transition: background var(--transition);
}

.service-icon-card:hover .service-icon-card__icon {
  background: var(--orange);
}

.service-icon-card__icon svg {
  width: 28px; height: 28px;
  fill: none; stroke: var(--orange);
  stroke-width: 1.5;
  transition: stroke var(--transition);
}

.service-icon-card:hover .service-icon-card__icon svg {
  stroke: var(--white);
}

.service-icon-card span {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  display: block;
  line-height: 1.4;
}

/* =====================================================
   TAB SWITCHER (Services)
   ===================================================== */
.services-categories #svc-tabs-h {
  margin-bottom: 18px;
}

.section--blue.services-categories #svc-tabs-h {
  color: var(--white);
}

.services-categories .services-nav {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 22px;
  margin-bottom: 20px;
}

.services-categories .tab-btn {
  border: none;
  background: transparent;
  color: var(--gray-dark);
  text-align: left;
  font-family: var(--font);
  font-size: 2.95rem;
  font-weight: 400;
  line-height: 1.12;
  text-transform: uppercase;
  letter-spacing: 0.01em;
  padding: 0;
  display: flex;
  align-items: center;
  gap: 16px;
  cursor: pointer;
  transition: color var(--transition);
}

.section--blue.services-categories .tab-btn {
  color: rgba(255, 255, 255, 0.92);
}

.section--blue.services-categories .tab-btn.active {
  color: var(--white);
}

.services-categories .tab-btn.active {
  color: var(--orange);
}

.services-categories .tab-btn__arrow {
  width: 48px;
  height: 28px;
  border-radius: 999px;
  background: #d6d8db;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
  border: 1px solid #c6c9ce;
  transition: background var(--transition), border-color var(--transition);
}

.services-categories .tab-btn__arrow::before {
  content: '';
  position: absolute;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #ffffff;
  left: 3px;
  top: 3px;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.18);
  transition: left var(--transition);
}

.services-categories .tab-btn.active .tab-btn__arrow {
  background: var(--orange);
  border-color: var(--orange);
}

.services-categories .tab-btn.active .tab-btn__arrow::before {
  left: 23px;
}

.tab-panel { display: none; }
.tab-panel.active { display: block; }

.services-category-box {
  border: 1px solid rgba(17, 149, 232, 0.28);
  border-radius: 14px;
  background: linear-gradient(180deg, #ffffff 0%, #f7fbff 100%);
  box-shadow: 0 10px 30px rgba(17, 149, 232, 0.08);
  padding: 30px 26px 24px;
}

.services-category-box__lead {
  color: var(--gray);
  font-size: 1.1rem;
  line-height: 1.5;
  max-width: 980px;
  margin-bottom: 28px;
}

.section--blue.services-categories .services-category-box__lead {
  color: var(--gray-dark);
}

.services-icon-grid {
  display: grid;
  gap: 16px;
  margin-bottom: 22px;
}

.services-icon-grid--personal {
  grid-template-columns: repeat(5, minmax(0, 1fr));
}

.services-icon-grid--business {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.service-icon-tile {
  text-align: center;
  background: var(--white);
  border: 1px solid rgba(17, 149, 232, 0.2);
  border-radius: 12px;
  padding: 18px 12px 14px;
  min-height: 178px;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.service-icon-tile img {
  width: 80px;
  height: 80px;
  object-fit: contain;
  margin: 0 auto 14px;
  background: var(--orange-light);
  border: 1px solid var(--orange-mid);
  border-radius: 12px;
  padding: 10px;
}

.service-icon-tile p {
  color: var(--navy);
  font-size: 1rem;
  line-height: 1.28;
  font-weight: 700;
  margin: 0;
}

.service-icon-tile:hover {
  transform: translateY(-3px);
  border-color: var(--orange);
  box-shadow: 0 10px 20px rgba(255, 118, 0, 0.14);
}

.services-category-box__cta {
  display: flex;
  justify-content: center;
}

.services-category-box__cta .btn-primary {
  min-width: 280px;
  justify-content: center;
}

@media (max-width: 1100px) {
  .services-categories .tab-btn {
    font-size: 2.3rem;
  }
}

@media (max-width: 900px) {
  .services-categories .services-nav {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .services-categories .tab-btn {
    font-size: 1.65rem;
  }

  .services-icon-grid--personal,
  .services-icon-grid--business {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .service-icon-tile {
    min-height: 164px;
  }
}

/* =====================================================
   STEPS
   ===================================================== */
.steps { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }

.step {
  text-align: center;
  padding: 40px 28px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  position: relative;
  transition: all var(--transition);
}

.step:hover {
  border-color: var(--orange);
  box-shadow: var(--shadow);
  transform: translateY(-4px);
}

.step__num {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--orange);
  color: var(--white);
  font-size: 1.3rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 4px 16px rgba(255,118,0,0.3);
}

.step h4 { color: var(--navy); margin-bottom: 10px; }
.step p  { color: var(--gray); font-size: 0.92rem; }

/* =====================================================
   TEAM CARDS
   ===================================================== */
.team-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: all var(--transition);
}

.team-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--orange-mid);
}

.team-card__avatar {
  height: 240px;
  background: var(--brand-blue-main);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

.team-card__avatar::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 4px;
  background: var(--orange);
}

.team-card__avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}

.team-card__initials {
  font-size: 2.8rem;
  font-weight: 700;
  color: rgba(255,255,255,0.15);
  letter-spacing: -2px;
}

.team-card__body { padding: 28px 28px 24px; }

.team-card__role {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--orange);
  margin-bottom: 6px;
}

.team-card__name {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 14px;
}

.team-card__bio {
  font-size: 0.88rem;
  color: var(--gray);
  line-height: 1.7;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.team-card__btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 16px;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--orange);
  cursor: pointer;
  background: none;
  border: none;
  font-family: var(--font);
  padding: 0;
  transition: color var(--transition);
}

.team-card__btn:hover { color: var(--orange-dark); }
.team-card__btn svg { width: 14px; height: 14px; fill: none; stroke: currentColor; stroke-width: 2; }

/* Our People — discover page (3-up preview) */
.people-cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(178px, 1fr));
  gap: 12px;
}
.people-cards__card {
  background: #f8fbff;
  border: 2px solid rgba(42, 166, 238, 0.9);
  border-radius: var(--radius-lg);
  padding: 10px 10px 18px;
  text-align: center;
  min-height: 0;
  display: flex;
  flex-direction: column;
  align-items: stretch;
  box-shadow: 0 8px 22px rgba(17, 149, 232, 0.12);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.people-cards__avatar {
  width: 100%;
  aspect-ratio: 3 / 4;
  height: auto;
  border-radius: 10px;
  overflow: hidden;
  margin: 0 0 12px;
  background: #dbefff;
  border: 1px solid rgba(42, 166, 238, 0.3);
}
.people-cards__avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 18%;
  display: block;
}

.people-cards__name {
  font-weight: 700;
  color: var(--navy);
  font-size: 1.12rem;
  margin-bottom: 6px;
  line-height: 1.2;
}

.people-cards__role {
  font-size: 0.78rem;
  color: var(--orange);
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-weight: 700;
  margin-bottom: 0;
}

.people-cards__card:hover {
  transform: translateY(-3px);
  border-color: var(--orange);
  box-shadow: 0 12px 24px rgba(255, 118, 0, 0.16);
}

/* About page: give more room to people cards column */
section[aria-labelledby="people-h2"] .grid-2 {
  grid-template-columns: minmax(0, 0.78fr) minmax(0, 1.22fr);
}

/* =====================================================
   PORTRAIT GRID (Leadership page)
   ===================================================== */
.portrait-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.portrait-card {
  text-align: center;
  transition: transform var(--transition);
}

.portrait-img {
  width: 100%;
  aspect-ratio: 3 / 4;
  overflow: hidden;
  border-radius: 12px;
  background: var(--off-white);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: box-shadow var(--transition), transform var(--transition);
}

.portrait-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%;
  display: block;
}

.portrait-card:hover .portrait-img {
  box-shadow: var(--shadow);
  transform: translateY(-4px);
  border-color: var(--orange-mid);
}

.portrait-name {
  margin-top: 14px;
  font-size: 0.9rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--navy);
}

.portrait-role {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--gray);
  margin-top: 4px;
}

.portrait-readmore {
  margin-top: 10px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--orange);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
  background: none;
  border: none;
  font-family: var(--font);
  padding: 0;
  transition: color var(--transition);
}

.portrait-readmore:hover { color: var(--orange-dark); }
.portrait-readmore svg { width: 14px; height: 14px; fill: none; stroke: currentColor; stroke-width: 2; }

@media (max-width: 900px) {
  .portrait-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .portrait-grid {
    grid-template-columns: 1fr;
  }
}

/* =====================================================
   MODAL
   ===================================================== */
.modal-overlay {
  position: fixed; inset: 0;
  background: rgba(26,26,46,0.65);
  backdrop-filter: blur(4px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  opacity: 0; visibility: hidden;
  transition: opacity var(--transition), visibility var(--transition);
}

.modal-overlay.open { opacity: 1; visibility: visible; }

.modal {
  background: var(--white);
  border-radius: var(--radius-lg);
  max-width: 660px;
  width: 100%;
  max-height: 80vh;
  overflow-y: auto;
  padding: 48px;
  position: relative;
  transform: translateY(20px);
  transition: transform var(--transition);
  border-top: 4px solid var(--orange);
}

.modal-overlay.open .modal { transform: translateY(0); }

.modal__close {
  position: absolute; top: 16px; right: 16px;
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--off-white);
  border: 1px solid var(--border);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: var(--gray);
  transition: all var(--transition);
}

.modal__close:hover { background: var(--border); color: var(--navy); }
.modal__role  { font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em; color: var(--orange); margin-bottom: 6px; }
.modal__name  { font-size: 1.7rem; font-weight: 700; color: var(--navy); margin-bottom: 20px; }
.modal__line  { width: 40px; height: 3px; background: var(--orange); border-radius: 2px; margin-bottom: 24px; }
.modal__bio   { font-size: 0.95rem; color: var(--gray-dark); line-height: 1.85; white-space: pre-line; }

/* =====================================================
   CAREERS
   ===================================================== */
.role-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 44px 40px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  border-top: 4px solid var(--orange);
  transition: all var(--transition);
}

.role-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.role-card__header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 20px;
}

.role-card__icon {
  width: 52px; height: 52px;
  border-radius: var(--radius);
  background: var(--orange-light);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.role-card__icon svg {
  display: block;
  width: 24px; height: 24px;
  fill: none; stroke: var(--orange); stroke-width: 1.5;
}

.role-card h3 { color: var(--navy); font-size: 1.3rem; }

.role-card__desc { color: var(--gray); margin-bottom: 20px; font-size: 0.95rem; }

.role-card ul { display: flex; flex-direction: column; gap: 10px; }

.role-card ul li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.92rem;
  color: var(--gray-dark);
}

.role-card ul li::before {
  content: '';
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--orange);
  flex-shrink: 0;
  margin-top: 7px;
}

/* =====================================================
   CTA STRIP
   ===================================================== */
/* CTA strip above footer — white so transition to blue footer is clean */
.cta-strip {
  background: var(--white);
  padding: 72px 0;
  position: relative;
  overflow: hidden;
}

.cta-strip::before,
.cta-strip::after { display: none; }

.cta-strip__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  position: relative;
  z-index: 1;
}

.cta-strip h2 { color: var(--navy); margin-bottom: 10px; }
.cta-strip p  { color: var(--gray); margin: 0; font-size: 1.05rem; }

/* Buttons on white CTA strip: primary = orange, secondary = outline */
.cta-strip .btn-white {
  background: var(--orange);
  color: var(--white);
  border-color: var(--orange);
}
.cta-strip .btn-white:hover {
  background: var(--orange-dark);
  border-color: var(--orange-dark);
  color: var(--white);
}
.cta-strip .btn-outline-white {
  background: transparent;
  color: var(--navy);
  border-color: var(--brand-blue);
  border-width: 2px;
}
.cta-strip .btn-outline-white:hover {
  background: rgba(0, 135, 226, 0.08);
  border-color: var(--brand-blue);
  color: var(--navy);
}

/* =====================================================
   FOOTER
   ===================================================== */
.footer {
  background: var(--brand-blue); /* #0087E2 — Income Blue 100% per CI guide */
  /* background: var(--brand-blue-main); same blue + opacity as :root --brand-blue-opacity */
  color: #ffffff;
  padding: 56px 0 0;
}

.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  margin-bottom: 40px;
}

.footer__grid > nav[aria-label="Quick links"] {
  padding-top: 3px;
}

.footer__logo-area { margin-bottom: 12px; }

.footer__logo-img {
  height: 96px;
  width: auto;
  display: block;
  background: transparent;
  padding: 0;
  border-radius: 0;
}

.footer__desc {
  font-size: 0.98rem;
  color: #ffffff;
  line-height: 1.7;
  margin-bottom: 18px;
  font-weight: 500;
  text-shadow: 0 1px 1px rgba(0, 0, 0, 0.18);
}

.footer__social {
  display: flex; gap: 10px;
}

.footer__social-link {
  width: 38px; height: 38px;
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.22);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255, 255, 255, 0.92);
  transition: all var(--transition);
}

.footer__social-link:hover {
  background: rgba(255, 255, 255, 0.2);
  border-color: rgba(255, 255, 255, 0.45);
  color: #ffffff;
}

.footer__social-link svg,
.footer__social-link img { width: 20px; height: 20px; display: block; object-fit: contain; }

.footer__col-title {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: #ffffff;
  margin-top: 0;
  margin-bottom: 20px;
}

.footer__links { display: flex; flex-direction: column; gap: 10px; }

.footer__links a {
  font-size: 0.98rem;
  color: #ffffff;
  transition: color var(--transition), opacity var(--transition);
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 500;
  text-shadow: 0 1px 1px rgba(0, 0, 0, 0.18);
}

.footer__links a::before {
  content: '';
  width: 6px; height: 1px;
  background: rgba(255, 255, 255, 0.55);
  flex-shrink: 0;
  transition: width var(--transition);
}

.footer__links a:hover {
  color: #ffffff;
  opacity: 0.92;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.footer__links a:hover::before { width: 12px; background: rgba(255, 255, 255, 0.85); }

.footer__contact-item {
  display: flex;
  gap: 12px;
  margin-bottom: 14px;
  font-size: 0.98rem;
  color: #ffffff;
  font-weight: 500;
  text-shadow: 0 1px 1px rgba(0, 0, 0, 0.18);
}

.footer__contact-item svg {
  width: 17px; height: 17px;
  flex-shrink: 0; margin-top: 2px;
  fill: none;
  stroke: #ffffff;
  stroke-width: 1.5;
}

.footer__contact-item a {
  color: #ffffff;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.footer__contact-item a:hover {
  color: #ffffff;
  opacity: 0.9;
}

.footer__bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.18);
  padding: 16px 0;
}

.footer__bottom-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.footer__copy {
  font-size: 0.9rem;
  color: #ffffff;
  font-weight: 500;
  margin: 0;
  text-shadow: 0 1px 1px rgba(0, 0, 0, 0.18);
}

.footer__legal-links {
  display: flex; gap: 24px;
}

.footer__legal-links a {
  font-size: 0.9rem;
  color: #ffffff;
  font-weight: 500;
  transition: color var(--transition), opacity var(--transition);
  text-shadow: 0 1px 1px rgba(0, 0, 0, 0.18);
}

.footer__legal-links a:hover {
  color: #ffffff;
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* =====================================================
   POLICY / LEGAL PAGES
   ===================================================== */
.policy-body {
  background: var(--white);
  padding: 64px 0 96px;
}

.policy-body__inner {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 24px;
}

.policy-nav {
  display: flex;
  gap: 0;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--off-white);
  margin-bottom: 48px;
}

.policy-nav a {
  flex: 1;
  padding: 14px 20px;
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gray);
  text-align: center;
  border-right: 1px solid var(--border);
  transition: all var(--transition);
}

.policy-nav a:last-child { border-right: none; }
.policy-nav a:hover     { background: var(--orange-light); color: var(--orange); }
.policy-nav a.active    { background: var(--orange); color: var(--white); }

.policy-section {
  margin-bottom: 56px;
  padding-bottom: 56px;
  border-bottom: 1px solid var(--border);
}

.policy-section:last-child {
  margin-bottom: 0;
  padding-bottom: 0;
  border-bottom: none;
}

.policy-section h2 {
  font-size: 1.8rem;
  color: var(--navy);
  margin-bottom: 8px;
}

.policy-section h3 {
  font-size: 1.05rem;
  color: var(--navy);
  margin: 24px 0 8px;
}

.policy-section p {
  color: var(--gray-dark);
  font-size: 0.95rem;
  line-height: 1.85;
  margin-bottom: 16px;
}

.policy-section ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin: 16px 0 16px 0;
}

.policy-section ul li {
  font-size: 0.95rem;
  color: var(--gray-dark);
  line-height: 1.7;
  padding-left: 20px;
  position: relative;
}

.policy-section ul li::before {
  content: '';
  position: absolute;
  left: 0; top: 10px;
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--orange);
}

.policy-tag {
  display: inline-block;
  background: var(--orange-light);
  color: var(--orange);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 12px;
}

/* =====================================================
   SCROLL REVEAL
   ===================================================== */
[data-reveal] {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
[data-reveal].revealed { opacity: 1; transform: none; }
[data-reveal-delay="1"] { transition-delay: 0.1s; }
[data-reveal-delay="2"] { transition-delay: 0.2s; }
[data-reveal-delay="3"] { transition-delay: 0.3s; }
[data-reveal-delay="4"] { transition-delay: 0.4s; }
[data-reveal-delay="5"] { transition-delay: 0.5s; }

/* =====================================================
   BACK TO TOP
   ===================================================== */
.back-top {
  position: fixed;
  bottom: 32px; right: 32px;
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--orange);
  border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  opacity: 0; pointer-events: none;
  transition: opacity 0.3s, transform 0.3s;
  z-index: 900;
  box-shadow: 0 4px 16px rgba(255,118,0,0.4);
}

.back-top:hover { transform: translateY(-3px); }
.back-top svg { width: 20px; height: 20px; fill: none; stroke: white; stroke-width: 2.5; }

/* =====================================================
   SCROLLBAR
   ===================================================== */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--off-white); }
::-webkit-scrollbar-thumb { background: var(--gray-light); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--orange); }

/* =====================================================
   HERO ANIMATIONS
   ===================================================== */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(28px); }
  to   { opacity: 1; transform: none; }
}

.anim-1 { animation: fadeUp 0.7s ease both; }
.anim-2 { animation: fadeUp 0.7s 0.15s ease both; }
.anim-3 { animation: fadeUp 0.7s 0.30s ease both; }
.anim-4 { animation: fadeUp 0.7s 0.45s ease both; }

/* =====================================================
   RESPONSIVE
   ===================================================== */
@media (max-width: 1024px) {
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .stats-strip__grid { grid-template-columns: repeat(2,1fr); }
  .stat-item:nth-child(2) { border-right: none; }
}

@media (max-width: 900px) {
  .split { grid-template-columns: 1fr; }
  .split__visual { min-height: 280px; order: -1; }
  .split__content { padding: 52px 40px; }
  .grid-3 { grid-template-columns: repeat(2,1fr); }
  .cta-strip__inner { flex-direction: column; text-align: center; }
  .steps { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  :root { --nav-height: 72px; }

  .nav__logo { padding: 0 6px 0 0; }
  .nav__logo-img { height: 78px; }

  .nav__inner { padding: 0 16px; }
  .container { padding: 0 20px; }

  .page-hero { padding: calc(var(--nav-height) + 40px) 0 40px; }
  .page-hero__sub { font-size: 0.98rem; }

  .policy-body { padding: 40px 0 64px; }
  .policy-body__inner { padding: 0 16px; }

  .nav__menu {
    position: fixed;
    top: var(--nav-height);
    left: 0; right: 0;
    background: var(--white);
    border-top: 1px solid var(--border);
    flex-direction: column;
    align-items: stretch;
    padding: 12px 16px 16px;
    gap: 4px;
    transform: translateY(-100%);
    opacity: 0;
    pointer-events: none;
    transition: transform var(--transition), opacity var(--transition);
    z-index: 999;
    box-shadow: 0 8px 24px rgba(0,0,0,0.1);
  }

  .nav__menu.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: all;
  }

  .nav__link { padding: 14px 16px; min-height: 44px; box-sizing: border-box; display: flex; align-items: center; border-radius: var(--radius); }
  .nav__link::after { display: none; }
  .nav__link:hover, .nav__link.active { background: var(--orange-light); color: var(--orange); }
  .nav__toggle { display: flex; }

  /* Inline grids: stack on small screens */
  .people-cards { grid-template-columns: 1fr !important; }
  .stats-grid-inline { grid-template-columns: 1fr !important; }

  .section { padding: 60px 0; }
  .section--lg { padding: 80px 0; }

  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: repeat(2,1fr); }

  .split__content { padding: 48px 24px; }
  .footer__grid { grid-template-columns: 1fr; gap: 32px; }
  .footer__bottom-inner { flex-direction: column; text-align: center; }
  .policy-nav { flex-direction: column; }
  .services-nav { flex-direction: column; }
  .hero__trust { flex-wrap: wrap; gap: 16px; }

  /* Core Values: stack intro then cards, single-column cards */
  .values-section__grid {
    grid-template-columns: 1fr;
    gap: 40px;
    align-items: stretch;
  }
  .values-section__grid > div:first-child { text-align: center; }
  .values-section__grid .section-line { margin-left: auto; margin-right: auto; }
  .values-cards { grid-template-columns: 1fr; gap: 14px; }

  .home-services-grid {
    grid-template-columns: 1fr;
    max-width: 520px;
  }
  /*peaple card mobile compability
  /* Our People (discover): stack intro then cards — beats section-specific 2-col rule */
  section[aria-labelledby="people-h2"] .grid-2 {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .nav__inner { padding: 0 12px; }
  .section { padding: 48px 0; }
  .section--lg { padding: 64px 0; }
  .page-hero { padding: calc(var(--nav-height) + 32px) 0 32px; }
  .page-hero h1 { font-size: 1.75rem; }
  .page-hero__sub { font-size: 0.9rem; }

  .grid-4 { grid-template-columns: 1fr; }
  .hero__actions { flex-direction: column; align-items: flex-start; }
  .stats-strip__grid { grid-template-columns: 1fr; }
  .stat-item { border-right: none; border-bottom: 1px solid var(--border); }
  .stat-item:last-child { border-bottom: none; }

  .btn { min-height: 44px; padding: 12px 20px; display: inline-flex; align-items: center; justify-content: center; white-space: normal; text-align: center; }
  .split__content { padding: 32px 16px; }
  .policy-body { padding: 32px 0 48px; }
  .policy-body__inner { padding: 0 12px; }
  .cta-strip__inner { gap: 20px; padding: 40px 0; }
  .footer__contact-item { font-size: 0.88rem; }
  .value-card { padding: 20px 20px 20px 24px; }
}

/* Touch-friendly: prevent zoom on inputs (iOS) and improve tap highlight */
@media (max-width: 768px) {
  input, select, textarea { font-size: 16px; }
}