/* ═══════════════════════════════════════════════════════
   CARDONE CAPITAL — Premium Real Estate Investment Site
   Light/luxury theme · Navy + Gold palette
   ═══════════════════════════════════════════════════════ */

/* ── Variables ──────────────────────────────────────── */
:root {
    --navy-900: #0d1b2a;
    --navy-800: #1b2e4a;
    --navy-700: #1b365d;
    --navy-600: #264573;
    --navy-500: #345c8a;
    --navy-400: #4a7ab5;
    --navy-300: #7ba3cc;
    --navy-200: #b0cce0;
    --navy-100: #dce8f2;
    --navy-50: #f0f4f8;

    --gold-600: #a68638;
    --gold-500: #c9a84c;
    --gold-400: #d4b962;
    --gold-300: #e0cb82;
    --gold-200: #ecdba6;
    --gold-100: #f5ecd0;

    --white: #ffffff;
    --off-white: #fafbfc;
    --cream: #f8f6f1;
    --gray-50: #f9fafb;
    --gray-100: #f3f4f6;
    --gray-200: #e5e7eb;
    --gray-300: #d1d5db;
    --gray-400: #9ca3af;
    --gray-500: #6b7280;
    --gray-600: #4b5563;
    --gray-700: #374151;
    --gray-800: #1f2937;
    --gray-900: #111827;

    --success: #059669;
    --danger: #dc2626;

    --font-serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
    --font-sans: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

    --container: 1180px;
    --section-py: 110px;

    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-pill: 100px;

    --shadow-xs: 0 1px 3px rgba(0,0,0,.06);
    --shadow-sm: 0 2px 8px rgba(0,0,0,.07);
    --shadow-md: 0 6px 24px rgba(0,0,0,.08);
    --shadow-lg: 0 16px 48px rgba(0,0,0,.1);
    --shadow-gold: 0 6px 30px rgba(201,168,76,.2);

    --ease: cubic-bezier(.4,0,.2,1);
    --ease-spring: cubic-bezier(.34,1.56,.64,1);
}

/* ── Reset ──────────────────────────────────────────── */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:var(--font-sans);background:var(--white);color:var(--gray-700);line-height:1.7;overflow-x:hidden}
a{text-decoration:none;color:inherit;transition:color .3s var(--ease)}
img{max-width:100%;display:block}
button{border:none;background:none;cursor:pointer;font-family:inherit}
input,textarea,select{font-family:inherit;font-size:inherit}
::selection{background:rgba(201,168,76,.2);color:var(--navy-900)}

/* ── Container ──────────────────────────────────────── */
.container{max-width:var(--container);margin:0 auto;padding:0 24px}

/* ── Typography ─────────────────────────────────────── */
.gold-text{color:var(--gold-500)}
.sec-heading{font-family:var(--font-serif);font-size:clamp(1.8rem,3.6vw,2.8rem);font-weight:700;color:var(--navy-900);line-height:1.2;margin-bottom:16px}
.sec-sub{font-size:1.05rem;color:var(--gray-500);max-width:580px;margin:0 auto;line-height:1.8}
.sec-body{font-size:1rem;color:var(--gray-600);margin-bottom:16px;line-height:1.8}
.sec-header{text-align:center;margin-bottom:56px}
.label-tag{display:inline-block;padding:5px 14px;background:var(--gold-100);border:1px solid var(--gold-200);border-radius:var(--radius-pill);font-size:.72rem;font-weight:700;color:var(--gold-600);text-transform:uppercase;letter-spacing:2px;margin-bottom:16px}

/* ── Buttons ────────────────────────────────────────── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 28px;border-radius:var(--radius-pill);font-weight:600;font-size:.92rem;transition:all .35s var(--ease);cursor:pointer;border:none;position:relative;overflow:hidden;white-space:nowrap}
.btn-icon{width:18px;height:18px}
.btn-gold{background:linear-gradient(135deg,var(--gold-500),var(--gold-400));color:var(--white);box-shadow:var(--shadow-gold)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 10px 36px rgba(201,168,76,.35)}
.btn-navy{background:var(--navy-700);color:var(--white)}
.btn-navy:hover{background:var(--navy-800);transform:translateY(-2px)}
.btn-outline-light{background:transparent;color:var(--white);border:1.5px solid rgba(255,255,255,.35)}
.btn-outline-light:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.6)}
.btn-outline-dark{background:transparent;color:var(--navy-700);border:1.5px solid var(--gray-300)}
.btn-outline-dark:hover{border-color:var(--navy-700)}
.btn-sm{padding:8px 20px;font-size:.82rem}
.btn-lg{padding:15px 36px;font-size:1rem}
.btn-full{width:100%;text-align:center}
.btn.disabled{opacity:.5;pointer-events:none}

/* ═══════════════════════════════════════════════════════
   SECTION: TOP BAR
   ═══════════════════════════════════════════════════════ */
.top-bar{background:var(--navy-900);padding:8px 0;font-size:.75rem;color:var(--navy-200)}
.top-bar-inner{display:flex;align-items:center;justify-content:space-between}
.top-bar-text{display:inline-flex;align-items:center;gap:6px;font-weight:500;letter-spacing:.3px}
.top-bar-text i{width:14px;height:14px;color:var(--gold-500)}
.top-bar-right{display:flex;gap:14px}
.top-bar-right a{color:var(--navy-300);transition:color .3s var(--ease)}
.top-bar-right a:hover{color:var(--gold-400)}
.top-bar-right i{width:14px;height:14px}

/* ═══════════════════════════════════════════════════════
   SECTION: HEADER / NAV
   ═══════════════════════════════════════════════════════ */
.header{position:sticky;top:0;z-index:1000;background:var(--white);transition:box-shadow .4s var(--ease),padding .4s var(--ease);padding:14px 0}
.header.scrolled{box-shadow:0 2px 20px rgba(0,0,0,.06);padding:8px 0}
.header-inner{display:flex;align-items:center;justify-content:space-between}

.logo{display:flex;align-items:center;gap:10px;z-index:1001}
.logo-img{width:40px;height:40px;border-radius:50%;object-fit:cover}
.logo-wordmark{display:flex;flex-direction:column;line-height:1.1}
.logo-name{font-family:var(--font-serif);font-size:1.05rem;font-weight:700;color:var(--navy-900);letter-spacing:2px}
.logo-sub{font-size:.6rem;font-weight:600;color:var(--gold-500);letter-spacing:4px;text-transform:uppercase}

.nav-desktop{display:flex;gap:28px}
.nav-link{font-size:.85rem;font-weight:500;color:var(--gray-600);position:relative;padding:4px 0}
.nav-link::after{content:'';position:absolute;bottom:0;left:50%;transform:translateX(-50%);width:0;height:2px;background:var(--gold-500);border-radius:2px;transition:width .3s var(--ease)}
.nav-link:hover{color:var(--navy-900)}
.nav-link:hover::after{width:100%}
.nav-link.active{color:var(--navy-900)}
.nav-link.active::after{width:100%}

.header-actions{display:flex;gap:10px}

/* Burger */
.burger{display:none;flex-direction:column;gap:5px;width:26px;z-index:1001}
.burger span{display:block;height:2px;background:var(--navy-900);border-radius:2px;transition:all .3s var(--ease)}
.burger.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.burger.active span:nth-child(2){opacity:0}
.burger.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}

/* Mobile Overlay */
.mobile-overlay{position:fixed;inset:0;background:rgba(255,255,255,.97);backdrop-filter:blur(20px);z-index:999;display:flex;align-items:center;justify-content:center;opacity:0;pointer-events:none;transition:opacity .4s var(--ease)}
.mobile-overlay.open{opacity:1;pointer-events:all}
.mobile-nav{display:flex;flex-direction:column;align-items:center;gap:20px}
.mobile-nav a{font-family:var(--font-serif);font-size:1.4rem;font-weight:600;color:var(--navy-900)}
.mobile-nav a:hover{color:var(--gold-500)}
.mobile-btns{display:flex;gap:12px;margin-top:16px}

/* ═══════════════════════════════════════════════════════
   SECTION: HERO
   ═══════════════════════════════════════════════════════ */
.hero{position:relative;min-height:100vh;display:flex;align-items:center;background:var(--navy-900);overflow:hidden;padding:100px 0 60px}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(13,27,42,.97) 0%,rgba(27,54,93,.85) 50%,rgba(13,27,42,.95) 100%)}
.hero-particles{position:absolute;inset:0;overflow:hidden}
.hero-container{position:relative;z-index:2;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}

.hero-left{color:var(--white)}
.hero-chip{display:inline-flex;align-items:center;gap:8px;padding:8px 18px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius-pill);font-size:.8rem;color:var(--gold-300);margin-bottom:28px;backdrop-filter:blur(8px)}
.chip-dot{width:8px;height:8px;background:var(--success);border-radius:50%;animation:pulse-g 2s ease infinite}
@keyframes pulse-g{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(1.6)}}

.hero-heading{font-family:var(--font-serif);font-size:clamp(2.2rem,5vw,3.8rem);font-weight:800;line-height:1.1;margin-bottom:20px;letter-spacing:-.5px}
.hero-sub{font-size:clamp(.95rem,1.3vw,1.12rem);color:var(--navy-200);max-width:520px;margin-bottom:32px;line-height:1.85}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:36px}

/* Trust */
.hero-trust{display:flex;align-items:center;gap:14px}
.trust-avatars{display:flex}
.t-av{width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.65rem;font-weight:700;color:var(--white);border:2px solid var(--navy-900);margin-left:-8px}
.t-av:first-child{margin-left:0}
.trust-text{font-size:.82rem;color:var(--navy-300)}
.trust-text strong{color:var(--gold-400)}

/* Hero Card */
.hero-right{display:flex;justify-content:flex-end}
.hero-card{background:rgba(255,255,255,.06);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-xl);padding:28px;width:100%;max-width:420px;color:var(--white)}
.hero-card-label{font-size:.7rem;text-transform:uppercase;letter-spacing:2px;color:var(--gold-400);margin-bottom:20px;font-weight:600}
.hero-card-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:20px}
.hc-stat{text-align:center;padding:16px 8px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.06);border-radius:var(--radius-md)}
.hc-num{font-family:var(--font-serif);font-size:1.8rem;font-weight:700;color:var(--white);display:inline}
.hc-unit{font-family:var(--font-serif);font-size:1.1rem;font-weight:700;color:var(--gold-400);display:inline}
.hc-label{display:block;font-size:.65rem;color:var(--navy-300);text-transform:uppercase;letter-spacing:1px;margin-top:4px}
.hc-chart{padding:16px 0 0}
.hc-chart-label{font-size:.65rem;text-transform:uppercase;letter-spacing:1.5px;color:var(--navy-300);margin-bottom:8px}
.sparkline{width:100%;height:auto}
.spark-line{stroke-dasharray:500;stroke-dashoffset:500;animation:draw-line 2s ease forwards 1s}
@keyframes draw-line{to{stroke-dashoffset:0}}

/* Scroll indicator */
.hero-scroll{position:absolute;bottom:30px;left:50%;transform:translateX(-50%);display:flex;flex-direction:column;align-items:center;gap:8px;color:var(--navy-300);font-size:.7rem;text-transform:uppercase;letter-spacing:2px;z-index:2}
.scroll-line{width:1px;height:40px;background:linear-gradient(to bottom,var(--gold-500),transparent);animation:scroll-anim 2s ease infinite}
@keyframes scroll-anim{0%{opacity:1;transform:scaleY(1)}50%{opacity:.3;transform:scaleY(.5)}100%{opacity:1;transform:scaleY(1)}}

/* ═══════════════════════════════════════════════════════
   SECTION: MARQUEE STRIP
   ═══════════════════════════════════════════════════════ */
.marquee-strip{background:var(--cream);border-top:1px solid var(--gray-200);border-bottom:1px solid var(--gray-200);padding:18px 0;overflow:hidden}
.marquee-track{overflow:hidden;mask-image:linear-gradient(90deg,transparent,black 10%,black 90%,transparent)}
.marquee-slide{display:flex;gap:32px;animation:marquee 20s linear infinite;width:max-content}
.mq-item{font-size:.88rem;color:var(--gray-600);white-space:nowrap}
.mq-item strong{color:var(--navy-900);font-weight:700}
.mq-dot{color:var(--gold-400);font-size:.5rem;display:flex;align-items:center}
@keyframes marquee{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}

/* ═══════════════════════════════════════════════════════
   SECTION: ABOUT
   ═══════════════════════════════════════════════════════ */
.section{padding:var(--section-py) 0}

.split{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
.split-reverse{direction:rtl}
.split-reverse>*{direction:ltr}

.media-frame{position:relative;aspect-ratio:4/3;border-radius:var(--radius-xl);overflow:hidden;background:var(--navy-50)}
.frame-accent{position:absolute;top:-12px;left:-12px;width:120px;height:120px;border-radius:var(--radius-xl);background:var(--gold-100);border:3px solid var(--gold-200);z-index:0}
.media-content{position:relative;z-index:1;width:100%;height:100%;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--navy-50),var(--navy-100))}

/* About visual — building illustration */
.about-visual{position:relative;width:200px;height:200px}
.av-building{position:absolute;bottom:20px;left:50%;width:50px;height:100px;background:var(--navy-700);border-radius:var(--radius-sm) var(--radius-sm) 0 0;transform:translateX(-50%)}
.av-building::before{content:'';position:absolute;inset:8px;background:repeating-linear-gradient(0deg,transparent,transparent 12px,rgba(255,255,255,.15) 12px,rgba(255,255,255,.15) 14px);border-radius:2px}
.av-b2{left:25%;height:70px;width:40px;background:var(--navy-600)}
.av-b3{left:75%;height:85px;width:45px;background:var(--navy-800)}
.av-ground{position:absolute;bottom:15px;left:10%;right:10%;height:6px;background:var(--gold-300);border-radius:3px}

.media-stat-float{position:absolute;display:flex;align-items:center;gap:10px;padding:12px 16px;background:var(--white);border-radius:var(--radius-md);box-shadow:var(--shadow-lg);z-index:5;font-size:.78rem}
.media-stat-float i{width:20px;height:20px;color:var(--gold-500)}
.media-stat-float strong{display:block;color:var(--navy-900);font-size:.95rem}
.media-stat-float span{color:var(--gray-500);font-size:.68rem}
.stat-float-1{top:12%;right:-16px;animation:float-a 5s ease-in-out infinite}
.stat-float-2{bottom:12%;left:-16px;animation:float-a 6s ease-in-out infinite reverse}
@keyframes float-a{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}

.about-pills{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}
.pill{display:inline-flex;align-items:center;gap:6px;padding:8px 16px;background:var(--navy-50);border:1px solid var(--navy-100);border-radius:var(--radius-pill);font-size:.78rem;font-weight:600;color:var(--navy-700)}
.pill i{width:14px;height:14px;color:var(--gold-500)}

/* ═══════════════════════════════════════════════════════
   SECTION: PORTFOLIO
   ═══════════════════════════════════════════════════════ */
.portfolio-section{background:var(--off-white)}

.portfolio-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-bottom:48px}
.pf-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);overflow:hidden;transition:all .4s var(--ease)}
.pf-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.pf-featured{grid-column:span 2;grid-row:span 2}

.pf-card-img{position:relative;aspect-ratio:16/10;overflow:hidden}
.pf-featured .pf-card-img{aspect-ratio:16/12}
.pf-placeholder{width:100%;height:100%;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--navy-700),var(--navy-900))}
.pf-placeholder i{width:48px;height:48px;color:var(--gold-400);opacity:.5}
.pf-badge{position:absolute;top:12px;left:12px;padding:4px 12px;background:var(--gold-500);color:var(--white);border-radius:var(--radius-pill);font-size:.65rem;font-weight:700;letter-spacing:1px;text-transform:uppercase}

.pf-card-body{padding:20px}
.pf-card-body h3{font-family:var(--font-serif);font-size:1.05rem;color:var(--navy-900);margin-bottom:6px}
.pf-featured .pf-card-body h3{font-size:1.3rem}
.pf-loc{display:inline-flex;align-items:center;gap:4px;font-size:.75rem;color:var(--gray-500);margin-bottom:12px}
.pf-loc i{width:12px;height:12px}
.pf-stats{display:flex;gap:16px}
.pf-stats div{text-align:center}
.pf-stats strong{display:block;font-size:.85rem;color:var(--navy-900)}
.pf-stats span{font-size:.65rem;color:var(--gray-500);text-transform:uppercase;letter-spacing:.5px}

/* Map */
.portfolio-map{position:relative;height:120px;background:var(--navy-50);border-radius:var(--radius-lg);border:1px solid var(--navy-100);overflow:hidden}
.map-label{position:absolute;top:16px;left:20px;font-size:.8rem;color:var(--gray-500)}
.map-label strong{color:var(--navy-900)}
.map-dots{position:absolute;inset:0}
.map-dot{position:absolute;width:10px;height:10px;background:var(--gold-500);border-radius:50%;box-shadow:0 0 0 4px rgba(201,168,76,.2);animation:map-pulse 3s ease infinite}
.map-dot:nth-child(2n){animation-delay:1s}
.map-dot:nth-child(3n){animation-delay:2s}
@keyframes map-pulse{0%,100%{box-shadow:0 0 0 4px rgba(201,168,76,.2)}50%{box-shadow:0 0 0 10px rgba(201,168,76,.05)}}

/* ═══════════════════════════════════════════════════════
   SECTION: HOW IT WORKS
   ═══════════════════════════════════════════════════════ */
.steps-row{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.step-card{position:relative;text-align:center;padding:40px 32px}
.step-num{font-family:var(--font-serif);font-size:4.5rem;font-weight:800;color:var(--navy-50);line-height:1;margin-bottom:-24px;position:relative;z-index:0}
.step-icon-wrap{position:relative;z-index:1;width:56px;height:56px;margin:0 auto 16px;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--gold-500),var(--gold-400));border-radius:50%;color:var(--white);box-shadow:var(--shadow-gold)}
.step-icon-wrap i{width:24px;height:24px}
.step-card h3{font-family:var(--font-serif);font-size:1.15rem;color:var(--navy-900);margin-bottom:10px}
.step-card p{font-size:.88rem;color:var(--gray-500);line-height:1.7}
.step-line{position:absolute;top:50%;right:0;width:40%;height:1px;background:linear-gradient(90deg,transparent,var(--gold-200),transparent);transform:translateY(-16px)}

/* ═══════════════════════════════════════════════════════
   SECTION: FUNDS
   ═══════════════════════════════════════════════════════ */
.funds-section{background:var(--cream)}
.funds-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}

.fund-card{position:relative;background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);overflow:hidden;transition:all .4s var(--ease);display:flex;flex-direction:column}
.fund-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.fund-card-featured{border-color:var(--gold-400);box-shadow:var(--shadow-gold)}

.fund-ribbon{position:absolute;top:16px;right:16px;padding:4px 10px;background:var(--success);color:var(--white);border-radius:var(--radius-pill);font-size:.6rem;font-weight:700;text-transform:uppercase;letter-spacing:1px}
.ribbon-gold{background:var(--gold-500)}
.ribbon-closed{background:var(--gray-400)}

.fund-header{padding:28px 24px 20px;text-align:center;border-bottom:1px solid var(--gray-100)}
.fund-icon{width:52px;height:52px;margin:0 auto 12px;display:flex;align-items:center;justify-content:center;background:var(--navy-50);border-radius:50%;color:var(--navy-700)}
.fund-icon i{width:24px;height:24px}
.fund-card-featured .fund-icon{background:linear-gradient(135deg,var(--gold-500),var(--gold-400));color:var(--white)}
.fund-header h3{font-family:var(--font-serif);font-size:1.1rem;color:var(--navy-900);margin-bottom:4px}
.fund-type{font-size:.7rem;color:var(--gray-500);text-transform:uppercase;letter-spacing:1px}

.fund-body{padding:24px;flex:1}
.fund-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid var(--gray-100)}
.fund-row:last-of-type{border-bottom:none}
.fund-row span{font-size:.82rem;color:var(--gray-500)}
.fund-row strong{font-size:.88rem;color:var(--navy-900)}
.fund-progress{margin-top:16px}
.fund-progress-label{display:flex;justify-content:space-between;font-size:.72rem;color:var(--gray-500);margin-bottom:6px}
.fund-bar{height:6px;background:var(--gray-100);border-radius:3px;overflow:hidden}
.fund-fill{height:100%;background:linear-gradient(90deg,var(--gold-500),var(--gold-400));border-radius:3px;transition:width 1.5s var(--ease)}

.fund-card .btn{margin:0 24px 24px;width:calc(100% - 48px)}

/* ═══════════════════════════════════════════════════════
   SECTION: WHY
   ═══════════════════════════════════════════════════════ */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.why-card{position:relative;padding:36px 28px;background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);transition:all .4s var(--ease);overflow:hidden}
.why-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--gold-200)}
.why-num{position:absolute;top:12px;right:16px;font-family:var(--font-serif);font-size:2.5rem;font-weight:800;color:var(--gray-100);line-height:1}
.why-icon{width:48px;height:48px;display:flex;align-items:center;justify-content:center;background:var(--gold-100);border-radius:var(--radius-md);color:var(--gold-600);margin-bottom:16px}
.why-icon i{width:22px;height:22px}
.why-card h3{font-family:var(--font-serif);font-size:1.05rem;color:var(--navy-900);margin-bottom:8px}
.why-card p{font-size:.88rem;color:var(--gray-500);line-height:1.7}

/* ═══════════════════════════════════════════════════════
   SECTION: TESTIMONIALS
   ═══════════════════════════════════════════════════════ */
.testimonials-section{background:var(--off-white)}
.testi-carousel{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.testi-card{padding:32px;background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);transition:all .4s var(--ease)}
.testi-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.testi-card-accent{border-color:var(--gold-200);background:linear-gradient(135deg,var(--white),var(--gold-100))}
.testi-quote{margin-bottom:16px;color:var(--gold-400)}
.testi-quote i{width:28px;height:28px}
.testi-card p{font-size:.92rem;color:var(--gray-600);line-height:1.8;margin-bottom:24px;font-style:italic}
.testi-author{display:flex;align-items:center;gap:12px}
.testi-avatar{width:40px;height:40px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.7rem;font-weight:700;color:var(--white)}
.testi-author strong{display:block;font-size:.88rem;color:var(--navy-900)}
.testi-author span{font-size:.72rem;color:var(--gray-500)}

/* ═══════════════════════════════════════════════════════
   SECTION: CTA BANNER
   ═══════════════════════════════════════════════════════ */
.cta-banner{position:relative;padding:80px 0;background:var(--navy-900);overflow:hidden;text-align:center}
.cta-bg-shapes{position:absolute;inset:0;overflow:hidden}
.cta-circle{position:absolute;border-radius:50%;border:1px solid rgba(201,168,76,.08)}
.c1{width:500px;height:500px;top:-200px;right:-100px}
.c2{width:400px;height:400px;bottom:-150px;left:-100px}
.cta-inner{position:relative;z-index:2}
.cta-banner h2{font-family:var(--font-serif);font-size:clamp(1.6rem,3vw,2.4rem);color:var(--white);margin-bottom:16px}
.cta-banner p{font-size:1.05rem;color:var(--navy-200);margin-bottom:32px}
.cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ═══════════════════════════════════════════════════════
   SECTION: FAQ
   ═══════════════════════════════════════════════════════ */
.faq-wrap{max-width:700px;margin:0 auto;display:flex;flex-direction:column;gap:10px}
.faq-item{border:1px solid var(--gray-200);border-radius:var(--radius-md);overflow:hidden;background:var(--white);transition:border-color .3s var(--ease)}
.faq-item.open{border-color:var(--gold-300)}
.faq-q{display:flex;align-items:center;justify-content:space-between;width:100%;padding:18px 22px;font-size:.92rem;font-weight:600;color:var(--navy-900);text-align:left;transition:color .3s var(--ease)}
.faq-q:hover{color:var(--gold-600)}
.faq-chevron{width:18px;height:18px;color:var(--gray-400);transition:transform .3s var(--ease)}
.faq-item.open .faq-chevron{transform:rotate(180deg);color:var(--gold-500)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s var(--ease)}
.faq-item.open .faq-a{max-height:200px}
.faq-a p{padding:0 22px 18px;font-size:.88rem;color:var(--gray-600);line-height:1.8}

/* ═══════════════════════════════════════════════════════
   SECTION: CONTACT
   ═══════════════════════════════════════════════════════ */
.contact-layout{display:grid;grid-template-columns:1fr 1.3fr;gap:48px;align-items:start}
.contact-info-col{display:flex;flex-direction:column;gap:16px}
.ci-card{display:flex;align-items:center;gap:14px;padding:18px;background:var(--off-white);border:1px solid var(--gray-200);border-radius:var(--radius-md);transition:border-color .3s var(--ease)}
.ci-card:hover{border-color:var(--gold-300)}
.ci-card i{width:22px;height:22px;color:var(--gold-500);min-width:22px}
.ci-card strong{display:block;font-size:.82rem;color:var(--navy-900)}
.ci-card p{font-size:.85rem;color:var(--gray-500)}
.ci-card a{color:var(--gold-600)}
.ci-card a:hover{color:var(--gold-500)}

.contact-form{padding:32px;background:var(--off-white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);display:flex;flex-direction:column;gap:16px}
.form-duo{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-field{display:flex;flex-direction:column;gap:5px}
.form-field label{font-size:.72rem;font-weight:600;color:var(--gray-500);text-transform:uppercase;letter-spacing:.5px}
.optional{font-weight:400;text-transform:none;color:var(--gray-400)}
.form-field input,.form-field textarea,.form-field select{padding:12px 14px;background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-sm);color:var(--gray-900);font-size:.9rem;outline:none;transition:border-color .3s var(--ease)}
.form-field input::placeholder,.form-field textarea::placeholder{color:var(--gray-400)}
.form-field input:focus,.form-field textarea:focus,.form-field select:focus{border-color:var(--gold-500);box-shadow:0 0 0 3px rgba(201,168,76,.1)}
.form-field select{cursor:pointer;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%239ca3af' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center}
.form-field textarea{resize:vertical;min-height:70px}
.form-disclaimer{font-size:.7rem;color:var(--gray-400);line-height:1.6;text-align:center;margin-top:4px}

/* ═══════════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════════ */
.footer{background:var(--navy-900);color:var(--navy-200);padding:72px 0 0}
.footer-top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px}
.footer-brand{padding-right:32px}
.footer-brand p{font-size:.85rem;color:var(--navy-300);margin-top:14px;line-height:1.7}
.footer-col h4{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:var(--gold-400);margin-bottom:16px}
.footer-col a{display:block;font-size:.85rem;color:var(--navy-300);padding:4px 0;transition:color .3s var(--ease)}
.footer-col a:hover{color:var(--gold-400)}

.footer-disclaimer{padding:24px 0;border-top:1px solid rgba(255,255,255,.06);border-bottom:1px solid rgba(255,255,255,.06)}
.footer-disclaimer p{font-size:.68rem;color:var(--navy-400);line-height:1.8}
.footer-disclaimer strong{color:var(--navy-300)}

.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding:20px 0}
.footer-bottom p{font-size:.75rem;color:var(--navy-400)}
.footer-legal-links{display:flex;gap:20px}
.footer-legal-links a{font-size:.75rem;color:var(--navy-400);transition:color .3s var(--ease)}
.footer-legal-links a:hover{color:var(--gold-400)}

.footer .logo-name{color:var(--white)}

/* ═══════════════════════════════════════════════════════
   BACK TO TOP
   ═══════════════════════════════════════════════════════ */
.btt{position:fixed;bottom:28px;right:28px;width:44px;height:44px;display:flex;align-items:center;justify-content:center;background:var(--navy-700);border-radius:50%;color:var(--white);box-shadow:var(--shadow-md);opacity:0;pointer-events:none;transform:translateY(16px);transition:all .4s var(--ease);z-index:100}
.btt.visible{opacity:1;pointer-events:all;transform:translateY(0)}
.btt:hover{background:var(--gold-500);transform:translateY(-3px);box-shadow:var(--shadow-gold)}
.btt i{width:18px;height:18px}

/* ═══════════════════════════════════════════════════════
   ANIMATIONS
   ═══════════════════════════════════════════════════════ */
.fade-up{opacity:0;transform:translateY(24px);animation:fadeUp .8s var(--ease) forwards}
.fade-up:nth-child(1){animation-delay:.1s}
.fade-up:nth-child(2){animation-delay:.2s}
.fade-up:nth-child(3){animation-delay:.3s}
.fade-up:nth-child(4){animation-delay:.4s}
.fade-up:nth-child(5){animation-delay:.5s}
.fade-up:nth-child(6){animation-delay:.6s}
@keyframes fadeUp{to{opacity:1;transform:translateY(0)}}

[data-reveal],.reveal{opacity:0;transform:translateY(28px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.visible{opacity:1;transform:translateY(0)}

/* ═══════════════════════════════════════════════════════
   RESPONSIVE
   ═══════════════════════════════════════════════════════ */
@media(max-width:1024px){
    :root{--section-py:80px}
    .hero-container{grid-template-columns:1fr;text-align:center}
    .hero-left{display:flex;flex-direction:column;align-items:center}
    .hero-sub{margin-left:auto;margin-right:auto}
    .hero-btns{justify-content:center}
    .hero-trust{justify-content:center}
    .hero-right{justify-content:center}
    .hero-card{max-width:380px}
    .split{grid-template-columns:1fr;gap:40px}
    .split-reverse{direction:ltr}
    .portfolio-grid{grid-template-columns:1fr 1fr}
    .pf-featured{grid-column:span 2}
    .contact-layout{grid-template-columns:1fr}
    .footer-top{grid-template-columns:1fr 1fr}
    .funds-grid{grid-template-columns:1fr 1fr}
    .why-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:768px){
    :root{--section-py:64px}
    .top-bar-text{font-size:.68rem}
    .nav-desktop,.header-actions{display:none}
    .burger{display:flex}
    .hero{padding:80px 0 50px;min-height:auto}
    .hero-scroll{display:none}
    .portfolio-grid{grid-template-columns:1fr}
    .pf-featured{grid-column:span 1;grid-row:span 1}
    .steps-row{grid-template-columns:1fr}
    .step-line{display:none}
    .funds-grid{grid-template-columns:1fr}
    .why-grid{grid-template-columns:1fr}
    .testi-carousel{grid-template-columns:1fr}
    .form-duo{grid-template-columns:1fr}
    .footer-top{grid-template-columns:1fr;gap:28px}
    .footer-bottom{flex-direction:column;gap:12px;text-align:center}
    .cta-btns{flex-direction:column;align-items:center}
    .cta-btns .btn{width:100%;max-width:280px}
}

@media(max-width:480px){
    .hero-heading{font-size:1.9rem}
    .hero-card-grid{gap:10px}
    .hc-num{font-size:1.4rem}
    .hero-btns{flex-direction:column;width:100%}
    .hero-btns .btn{width:100%}
}

/* ── Scrollbar ──────────────────────────────────────── */
::-webkit-scrollbar{width:6px}
::-webkit-scrollbar-track{background:var(--gray-50)}
::-webkit-scrollbar-thumb{background:var(--gray-300);border-radius:3px}
::-webkit-scrollbar-thumb:hover{background:var(--gray-400)}