/* Footer, newsletter, page-hero, inner pages, responsive */
/* FOOTER */
.site-footer{background:#060d1a;color:#aeb8c9}
.footer-news{border-bottom:1px solid rgba(255,255,255,.08)}
.footer-news-in{display:flex;justify-content:space-between;align-items:center;gap:24px;padding-top:36px;padding-bottom:36px}
.footer-news h3{color:#fff;font-size:24px}
.footer-news p{font-size:14px}
.news-form{display:flex;gap:10px}
.news-form input{padding:12px 16px;border-radius:8px;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.06);color:#fff;min-width:280px;font-size:15px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1.2fr;gap:30px;padding-top:56px;padding-bottom:56px}
.fcol h4{color:var(--gold-l);font-size:13px;letter-spacing:.18em;text-transform:uppercase;margin-bottom:16px;font-family:var(--sans)}
.fcol ul{list-style:none}
.fcol li{margin-bottom:9px}
.fcol a{color:#aeb8c9;text-decoration:none;font-size:14px}
.fcol a:hover{color:var(--gold-l)}
.fcol p{font-size:14px;margin-bottom:14px}
.fcol strong{color:#fff}
.fbrand .brand-mark{margin-bottom:14px}
.fsocial{color:var(--gold-l);font-weight:600}
.footer-legal{border-top:1px solid rgba(255,255,255,.08)}
.footer-legal-in{padding-top:24px;padding-bottom:30px;font-size:13px}
.footer-legal a{color:#aeb8c9}
.disclaimer{margin-top:10px;font-size:12px;color:#7d8798}
.to-top{position:fixed;right:22px;bottom:22px;width:48px;height:48px;border-radius:50%;background:var(--gold);color:#0a1628;font-size:22px;display:none;align-items:center;justify-content:center;text-decoration:none;z-index:150}
.to-top.show{display:flex}

/* PAGE HERO (inner pages) */
.page-hero{background:linear-gradient(140deg,#060d1a,#10203a 60%,#1b3a66);color:#fff;padding:84px 0 70px;position:relative;overflow:hidden}
.page-hero::after{content:'';position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(212,175,55,.25),transparent 70%)}
.page-hero h1{font-size:clamp(32px,5vw,54px);max-width:20ch}
.page-hero h1 em{font-style:normal;color:var(--gold-l)}
.page-hero p{color:#c3ccd9;max-width:680px;margin-top:14px;font-size:17px}
.crumbs{font-size:13px;color:var(--gold);letter-spacing:.1em;text-transform:uppercase;margin-bottom:12px}
.crumbs a{color:var(--gold);text-decoration:none}

/* INNER LAYOUTS */
.two-col{display:grid;grid-template-columns:1.6fr 1fr;gap:44px;align-items:start}
.prose h2{font-size:clamp(24px,3vw,34px);margin:26px 0 12px;color:var(--navy)}
.prose p{color:var(--muted);margin-bottom:14px}
.prose ul{margin:14px 0 20px 22px;color:var(--muted)}
.prose li{margin-bottom:8px}
.side-card{background:var(--navy);color:#eef1f7;border-radius:14px;padding:32px 28px;position:sticky;top:120px}
.side-card h3{color:var(--gold-l);font-size:22px;margin-bottom:12px}
.side-card p{font-size:14px;color:#c3ccd9;margin-bottom:18px}
.side-card .hphone{font-size:20px}
.pa-list{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:34px}
.pa-card{border:1px solid var(--line);border-radius:12px;padding:26px;text-decoration:none;transition:.25s;background:#fff}
.pa-card:hover{border-color:var(--gold);transform:translateY(-4px);box-shadow:var(--shadow)}
.pa-card h3{color:var(--navy);font-size:20px;margin-bottom:8px}
.pa-card p{color:var(--muted);font-size:14px}
.pa-card span.link-gold{font-size:14px}
.team-bio{display:grid;grid-template-columns:220px 1fr;gap:26px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;margin-top:20px;align-items:center}
.team-bio img{width:220px;height:240px;object-fit:cover;border-radius:10px;background:linear-gradient(140deg,var(--navy2),#274a7d)}
.team-bio h3{color:var(--navy);font-size:22px}
.team-bio .role{color:var(--gold-d);font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.08em}
.result-row{background:var(--navy);border:1px solid rgba(212,175,55,.35);border-radius:12px;padding:28px;color:#eef1f7;margin-top:18px;display:grid;grid-template-columns:180px 1fr;gap:24px;align-items:center}
.result-row .result-amount{font-size:44px}
.contact-cards{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:30px}
.contact-cards div{border:1px solid var(--line);border-radius:12px;padding:26px;background:#fff}
.contact-cards h3{color:var(--navy);margin-bottom:8px}

/* RESPONSIVE */
@media(max-width:1020px){
  .mainnav,.header-cta .hphone{display:none}
  .nav-toggle{display:block}
  .cards{grid-template-columns:1fr 1fr}
  .t-grid,.posts{grid-template-columns:1fr 1fr}
  .trust{grid-template-columns:1fr 1fr}
  .consult-grid,.two-col{grid-template-columns:1fr}
  .side-card{position:static}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-news-in{flex-direction:column;align-items:stretch}
}
@media(max-width:640px){
  .sec{padding:60px 0}
  .header-in{gap:14px}
  .brand-text{font-size:19px}
  .header-cta .btn{display:none}
  .header-cta{gap:0}
  .cards,.t-grid,.posts,.trust,.pa-list,.contact-cards,.frow{grid-template-columns:1fr}
  .hero-badges{gap:14px}
  .result-row{grid-template-columns:1fr}
  .team-bio{grid-template-columns:1fr}
  .topbar-right .topbar-item:first-child{display:none}
  .news-form{flex-direction:column}
  .news-form input{min-width:0}
  .cform{padding:24px 20px}
}