/* ============================================================
   Duban Accounting — Design System
   Brand: Navy #0f194c · Silver #b1b1b1 · Gold accent #b78d4a
   Type:  Source Serif 4 (display) · Inter (text)
   ============================================================ */

:root {
  --navy: #0f194c;
  --navy-deep: #0a1138;
  --navy-soft: #26315f;
  --silver: #b1b1b1;
  --gold: #b78d4a;
  --gold-soft: #c9a96e;
  --paper: #f6f6f3;
  --cloud: #eef0f4;
  --white: #ffffff;
  --ink: #171c2e;
  --ink-soft: #4d5468;
  --hairline: rgba(15, 25, 76, 0.12);
  --radius: 14px;
  --shadow-card: 0 1px 2px rgba(15,25,76,.05), 0 12px 32px -12px rgba(15,25,76,.14);
  --shadow-pop: 0 2px 6px rgba(15,25,76,.08), 0 24px 56px -16px rgba(15,25,76,.28);
  --font-display: "Source Serif 4", Georgia, serif;
  --font-text: "Inter", -apple-system, "Segoe UI", sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-text);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}

img { max-width: 100%; display: block; }

a { color: inherit; text-decoration: none; }

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 28px;
}

/* ---------- Typography ---------- */

h1, h2, h3 { font-family: var(--font-display); font-weight: 600; color: var(--navy); letter-spacing: -0.01em; }

h1 { font-size: clamp(40px, 5.2vw, 62px); line-height: 1.06; }
h2 { font-size: clamp(32px, 3.8vw, 46px); line-height: 1.12; }
h3 { font-size: 23px; line-height: 1.3; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.eyebrow::before {
  content: "";
  width: 26px;
  height: 2px;
  background: var(--gold);
}

.lede { font-size: 20px; color: var(--ink-soft); line-height: 1.6; }

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: var(--font-text);
  font-size: 16px;
  font-weight: 600;
  padding: 16px 30px;
  border-radius: 10px;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
  white-space: nowrap;
}
.btn-primary {
  background: var(--navy);
  color: var(--white);
  box-shadow: 0 10px 24px -10px rgba(15,25,76,.45);
}
.btn-primary:hover { background: var(--navy-soft); transform: translateY(-1px); }
.btn-ghost {
  background: transparent;
  color: var(--navy);
  border-color: rgba(15,25,76,.28);
}
.btn-ghost:hover { border-color: var(--navy); background: rgba(15,25,76,.04); }
.btn-light {
  background: var(--white);
  color: var(--navy);
}
.btn-light:hover { transform: translateY(-1px); box-shadow: 0 12px 28px -10px rgba(0,0,0,.4); }
.btn .arrow { transition: transform .15s ease; }
.btn:hover .arrow { transform: translateX(3px); }

/* ---------- Header ---------- */

.topbar {
  background: var(--navy-deep);
  color: rgba(255,255,255,.82);
  font-size: 13.5px;
  letter-spacing: .01em;
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  min-height: 38px;
  gap: 16px;
}
.topbar a:hover { color: var(--white); }
.topbar .tb-note { display: flex; align-items: center; gap: 8px; }
.topbar .tb-note .dot { width: 5px; height: 5px; border-radius: 50%; background: var(--gold-soft); }

.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--hairline);
}
.header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 84px;
  gap: 24px;
}
.logo img { height: 46px; width: auto; }

.nav { display: flex; align-items: center; gap: 34px; }
.nav > .nav-item { position: relative; }
.nav > .nav-item > a {
  font-size: 15.5px;
  font-weight: 560;
  color: var(--ink);
  padding: 30px 0;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.nav > .nav-item > a:hover { color: var(--navy); }
.nav .caret { width: 9px; height: 9px; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: rotate(45deg) translateY(-2px); opacity: .55; }

.dropdown {
  position: absolute;
  top: 100%;
  left: -18px;
  min-width: 270px;
  background: var(--white);
  border: 1px solid var(--hairline);
  border-radius: 12px;
  box-shadow: var(--shadow-pop);
  padding: 10px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all .18s ease;
}
.nav-item:hover .dropdown, .nav-item:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown a {
  display: block;
  padding: 11px 14px;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 560;
  color: var(--ink);
}
.dropdown a span {
  display: block;
  font-size: 13px;
  font-weight: 400;
  color: var(--ink-soft);
  margin-top: 2px;
}
.dropdown a:hover { background: var(--cloud); color: var(--navy); }

.header-cta { display: flex; align-items: center; gap: 14px; }
.header-cta .btn { padding: 13px 24px; font-size: 15px; }

.nav-toggle { display: none; }
.nav-toggle-btn { display: none; }

/* ---------- Hero ---------- */

.hero {
  background:
    radial-gradient(1200px 600px at 85% -10%, rgba(15,25,76,.06), transparent 60%),
    linear-gradient(180deg, var(--paper) 0%, var(--white) 100%);
  position: relative;
  overflow: hidden;
}
.hero .container {
  display: grid;
  grid-template-columns: 1.08fr .92fr;
  gap: 56px;
  align-items: center;
  padding-top: 84px;
  padding-bottom: 96px;
}
.hero-kicker {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: var(--white);
  border: 1px solid var(--hairline);
  border-radius: 999px;
  padding: 8px 16px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--navy);
  box-shadow: 0 4px 14px -6px rgba(15,25,76,.15);
  margin-bottom: 26px;
}
.hero-kicker .pin { color: var(--gold); }
.hero h1 .amp { color: var(--gold); font-style: italic; }
.hero .lede { margin: 24px 0 36px; max-width: 54ch; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-foot {
  margin-top: 40px;
  display: flex;
  align-items: center;
  gap: 22px;
  color: var(--ink-soft);
  font-size: 14.5px;
}
.hero-foot .stars { color: var(--gold); letter-spacing: 2px; font-size: 15px; }

/* hero visual */
.hero-visual { position: relative; min-height: 645px; }
.hero-visual .mark-bg {
  position: absolute;
  right: -70px;
  top: 8px;
  width: 430px;
  opacity: .07;
  transform: rotate(8deg);
}
.hv-card {
  position: absolute;
  background: var(--white);
  border: 1px solid var(--hairline);
  border-radius: var(--radius);
  box-shadow: var(--shadow-pop);
  padding: 22px 24px;
}
.hv-card .hv-label {
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 8px;
}
.hv-main {
  top: 0;
  left: 12px;
  right: 110px;
}
.hv-main .hv-num {
  font-family: var(--font-display);
  font-size: 46px;
  font-weight: 600;
  color: var(--navy);
  line-height: 1;
}
.hv-main .hv-sub { font-size: 14.5px; color: var(--ink-soft); margin-top: 8px; }
.hv-rows { margin-top: 18px; display: grid; gap: 10px; }
.hv-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  font-size: 14.5px;
  font-weight: 560;
  color: var(--ink);
  background: var(--paper);
  border-radius: 9px;
  padding: 11px 14px;
}
.hv-row .ok {
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-size: 11px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: none;
}
.hv-quote {
  bottom: 6px;
  right: 0;
  max-width: 310px;
  background: var(--navy);
  color: var(--white);
  border: none;
}
.hv-quote p { font-size: 15px; line-height: 1.55; }
.hv-quote .hv-who { margin-top: 12px; font-size: 13px; color: rgba(255,255,255,.7); }
.hv-quote .stars { color: var(--gold-soft); letter-spacing: 2px; font-size: 13px; margin-bottom: 8px; }

/* ---------- Stat band ---------- */

.statband { background: var(--navy); color: var(--white); }
.statband .container {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  padding-top: 46px;
  padding-bottom: 46px;
  gap: 32px;
}
.stat { border-left: 1px solid rgba(255,255,255,.18); padding-left: 24px; }
.stat .num {
  font-family: var(--font-display);
  font-size: 42px;
  font-weight: 600;
  line-height: 1.05;
  color: var(--white);
}
.stat .num em { font-style: normal; color: var(--gold-soft); }
.stat .lbl { margin-top: 8px; font-size: 14.5px; color: rgba(255,255,255,.75); line-height: 1.45; }

/* ---------- Sections ---------- */

.section { padding: 104px 0; }
.section.tint { background: var(--paper); }

.section-head { max-width: 720px; margin-bottom: 56px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .eyebrow { justify-content: center; }
.section-head.center .eyebrow::before { display: none; }
.section-head .lede { margin-top: 16px; }

.section-head-row {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 32px;
  margin-bottom: 56px;
}
.section-head-row .section-head { margin-bottom: 0; }

/* ---------- Services ---------- */

.svc-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.svc-card {
  background: var(--white);
  border: 1px solid var(--hairline);
  border-radius: var(--radius);
  padding: 30px 26px 26px;
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.svc-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-pop);
  border-color: rgba(15,25,76,.22);
}
.svc-icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  background: var(--cloud);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
}
.svc-icon svg { width: 26px; height: 26px; }
.svc-card h3 { margin-bottom: 10px; font-size: 21px; }
.svc-card p { font-size: 15px; color: var(--ink-soft); flex: 1; }
.svc-link {
  margin-top: 22px;
  font-size: 15px;
  font-weight: 650;
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  gap: 7px;
}
.svc-link .arrow { transition: transform .15s ease; }
.svc-card:hover .svc-link .arrow { transform: translateX(4px); }
.svc-link:hover { color: var(--gold); }

/* ---------- Proof / skills test ---------- */

.proof { background: var(--navy-deep); color: var(--white); position: relative; overflow: hidden; }
.proof .mark-bg {
  position: absolute;
  left: -120px;
  bottom: -140px;
  width: 520px;
  opacity: .05;
}
.proof .container {
  display: grid;
  grid-template-columns: .95fr 1.05fr;
  gap: 72px;
  align-items: center;
  padding-top: 110px;
  padding-bottom: 110px;
  position: relative;
}
.proof .big-num {
  font-family: var(--font-display);
  font-size: clamp(120px, 14vw, 190px);
  font-weight: 600;
  line-height: .9;
  color: var(--white);
}
.proof .big-num small {
  font-size: .35em;
  color: var(--gold-soft);
  font-weight: 500;
}
.proof .big-cap {
  margin-top: 18px;
  font-size: 17px;
  color: rgba(255,255,255,.75);
  max-width: 34ch;
  line-height: 1.6;
}
.proof h2 { color: var(--white); }
.proof .lede { color: rgba(255,255,255,.78); margin: 20px 0 30px; }
.proof-list { display: grid; gap: 16px; margin-bottom: 36px; }
.proof-item { display: flex; gap: 14px; align-items: flex-start; font-size: 16px; color: rgba(255,255,255,.9); }
.proof-item .ok {
  width: 24px; height: 24px;
  flex: none;
  margin-top: 1px;
  border-radius: 50%;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.3);
  color: var(--gold-soft);
  font-size: 12px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

/* ---------- Industries ---------- */

.ind-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.ind-card {
  position: relative;
  border-radius: var(--radius);
  background: var(--white);
  border: 1px solid var(--hairline);
  box-shadow: var(--shadow-card);
  padding: 30px 26px;
  overflow: hidden;
  transition: transform .18s ease, box-shadow .18s ease;
}
.ind-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-pop); }
.ind-card::after {
  content: "";
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 4px;
  background: linear-gradient(180deg, var(--gold), var(--navy));
  opacity: 0;
  transition: opacity .18s ease;
}
.ind-card:hover::after { opacity: 1; }
.ind-icon { color: var(--navy); margin-bottom: 18px; }
.ind-icon svg { width: 30px; height: 30px; }
.ind-card h3 { font-size: 20px; margin-bottom: 8px; }
.ind-card p { font-size: 14.5px; color: var(--ink-soft); }
.ind-card .svc-link { margin-top: 18px; font-size: 14.5px; }

/* ---------- Story ---------- */

.story .container {
  display: grid;
  grid-template-columns: 1.02fr .98fr;
  gap: 72px;
  align-items: center;
}
.story-quote {
  font-family: var(--font-display);
  font-size: clamp(34px, 4vw, 50px);
  line-height: 1.12;
  color: var(--navy);
  font-weight: 600;
}
.story-quote em { color: var(--gold); font-style: italic; }
.story-copy p { color: var(--ink-soft); margin-bottom: 18px; }
.story-copy p strong { color: var(--navy); }
.story-points { margin: 28px 0 32px; display: grid; gap: 14px; }
.story-point { display: flex; gap: 14px; font-weight: 560; color: var(--ink); align-items: center; }
.story-point .ok {
  width: 24px; height: 24px; flex: none;
  border-radius: 50%;
  background: var(--cloud);
  color: var(--navy);
  font-size: 12px;
  display: inline-flex; align-items: center; justify-content: center;
}

/* ---------- Testimonials ---------- */

.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.testi-card {
  background: var(--white);
  border: 1px solid var(--hairline);
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
}
.testi-card .stars { color: var(--gold); letter-spacing: 3px; font-size: 15px; margin-bottom: 16px; }
.testi-card blockquote { font-size: 16.5px; line-height: 1.65; color: var(--ink); flex: 1; }
.testi-who { margin-top: 22px; padding-top: 18px; border-top: 1px solid var(--hairline); display: flex; align-items: center; gap: 13px; }
.testi-ava {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-family: var(--font-display);
  font-size: 18px;
  display: flex; align-items: center; justify-content: center;
  flex: none;
}
.testi-who .name { font-weight: 650; font-size: 15.5px; color: var(--navy); }
.testi-who .role { font-size: 13.5px; color: var(--ink-soft); }

/* ---------- Final CTA ---------- */

.cta-band { background: var(--navy); color: var(--white); position: relative; overflow: hidden; }
.cta-band .mark-bg {
  position: absolute;
  right: -100px;
  top: -120px;
  width: 460px;
  opacity: .06;
  transform: rotate(-10deg);
}
.cta-band .container {
  padding-top: 96px;
  padding-bottom: 96px;
  text-align: center;
  position: relative;
}
.cta-band h2 { color: var(--white); max-width: 18ch; margin: 0 auto; }
.cta-band .lede { color: rgba(255,255,255,.78); max-width: 52ch; margin: 20px auto 36px; }
.cta-band .hero-actions { justify-content: center; }
.cta-band .cta-note { margin-top: 22px; font-size: 14px; color: rgba(255,255,255,.6); }

/* ---------- Footer ---------- */

.footer { background: var(--navy-deep); color: rgba(255,255,255,.75); font-size: 15px; }
.footer .container { padding-top: 72px; padding-bottom: 36px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.35fr .85fr .95fr .85fr 1.1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.footer .flogo img { height: 44px; width: auto; margin-bottom: 20px; }
.footer .tagline { font-family: var(--font-display); font-size: 19px; color: var(--white); line-height: 1.45; }
.footer .tagline span { color: var(--gold-soft); }
.footer h4 {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 18px;
}
.footer ul { list-style: none; display: grid; gap: 11px; }
.footer a:hover { color: var(--white); }
.footer .office { margin-bottom: 20px; line-height: 1.6; }
.footer .office .city { color: var(--white); font-weight: 650; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  padding-top: 28px;
  font-size: 13.5px;
  color: rgba(255,255,255,.5);
}

/* ---------- Responsive ---------- */

@media (max-width: 1020px) {
  .svc-grid, .ind-grid { grid-template-columns: repeat(2, 1fr); }
  .statband .container { grid-template-columns: repeat(2, 1fr); }
  .hero .container { grid-template-columns: 1fr; padding-top: 56px; padding-bottom: 64px; }
  .hero-visual { display: none; }
  .proof .container, .story .container { grid-template-columns: 1fr; gap: 40px; }
  .testi-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 760px) {
  .section { padding: 72px 0; }
  .svc-grid, .ind-grid, .statband .container { grid-template-columns: 1fr; }
  .topbar { display: none; }

  .nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--hairline);
    box-shadow: var(--shadow-pop);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 12px 20px 20px;
    max-height: calc(100vh - 90px);
    max-height: calc(100dvh - 90px);
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    overscroll-behavior: contain;
  }
  .nav > .nav-item > a { padding: 14px 4px; width: 100%; }
  .dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    padding: 0 0 8px 14px;
    min-width: 0;
  }
  .nav-toggle:checked ~ .nav { display: flex; }
  .nav-toggle-btn {
    display: flex;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    padding: 8px;
  }
  .nav-toggle-btn span { width: 24px; height: 2px; background: var(--navy); border-radius: 2px; }
  .header-cta .btn-ghost { display: none; }
  .header-cta { gap: 6px; }
  .header-cta .btn { padding: 10px 13px; font-size: 13.5px; }
  .logo img { height: 32px; }
  .header .container { gap: 10px; padding: 0 16px; min-height: 68px; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .section-head-row { flex-direction: column; align-items: flex-start; }
}

/* ============================================================
   Inner-page components
   ============================================================ */

/* nav active state */
.nav > .nav-item > a.active { color: var(--navy); box-shadow: inset 0 -2px 0 var(--gold); }

/* page hero */
.page-hero {
  background:
    radial-gradient(1000px 500px at 90% -20%, rgba(15,25,76,.07), transparent 60%),
    linear-gradient(180deg, var(--paper) 0%, var(--white) 100%);
  border-bottom: 1px solid var(--hairline);
}
.page-hero .container { padding-top: 64px; padding-bottom: 64px; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13.5px;
  font-weight: 600;
  letter-spacing: .04em;
  color: var(--ink-soft);
  margin-bottom: 24px;
}
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb .sep { opacity: .4; }
.breadcrumb .here { color: var(--gold); }
.page-hero h1 { max-width: 21ch; font-size: clamp(36px, 4.4vw, 54px); }
.page-hero .lede { margin-top: 20px; max-width: 62ch; }
.page-hero .hero-actions { margin-top: 34px; }

/* split content + sticky aside */
.split {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 72px;
  align-items: start;
}
.prose h2 { font-size: clamp(26px, 2.6vw, 34px); margin: 42px 0 16px; }
.prose h2:first-child { margin-top: 0; }
.prose p { color: var(--ink-soft); margin-bottom: 16px; }
.prose p strong, .prose li strong { color: var(--navy); }
.prose ul { margin: 0 0 18px 22px; color: var(--ink-soft); display: grid; gap: 9px; }

.aside-card {
  position: sticky;
  top: 130px;
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  padding: 36px 32px;
  box-shadow: var(--shadow-pop);
}
.aside-card h3 { color: var(--white); margin-bottom: 8px; }
.aside-card > p { font-size: 15px; color: rgba(255,255,255,.75); }
.aside-list { list-style: none; display: grid; gap: 13px; margin: 22px 0 28px; }
.aside-list li { display: flex; gap: 12px; align-items: flex-start; font-size: 15px; color: rgba(255,255,255,.88); }
.aside-list .ok {
  width: 22px; height: 22px; flex: none; margin-top: 1px;
  border-radius: 50%;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.3);
  color: var(--gold-soft);
  font-size: 11px;
  display: inline-flex; align-items: center; justify-content: center;
}
.aside-card .btn { width: 100%; }
.aside-card .aside-note { margin-top: 14px; font-size: 13px; color: rgba(255,255,255,.55); text-align: center; }

/* checklist grid */
.check-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}
.check-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--hairline);
  border-radius: 12px;
  padding: 22px 24px;
  box-shadow: var(--shadow-card);
}
.check-item .ok {
  width: 26px; height: 26px; flex: none; margin-top: 2px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 12px;
  display: inline-flex; align-items: center; justify-content: center;
}
.check-item .t { font-weight: 650; font-size: 16.5px; color: var(--navy); }
.check-item p { font-size: 14.5px; color: var(--ink-soft); margin-top: 4px; }

/* numbered steps */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.step {
  background: var(--paper);
  border-radius: var(--radius);
  padding: 28px 26px;
  border: 1px solid rgba(15,25,76,.06);
}
.step .n {
  font-family: var(--font-display);
  font-size: 36px;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
}
.step h3 { font-size: 19px; margin: 14px 0 8px; }
.step p { font-size: 14.5px; color: var(--ink-soft); }

/* FAQ */
.faq { max-width: 840px; }
.faq details { border-bottom: 1px solid var(--hairline); }
.faq details:first-of-type { border-top: 1px solid var(--hairline); }
.faq summary {
  cursor: pointer;
  list-style: none;
  position: relative;
  font-weight: 650;
  font-size: 17.5px;
  color: var(--navy);
  padding: 20px 44px 20px 0;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  position: absolute;
  right: 6px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 24px;
  font-weight: 400;
  color: var(--gold);
}
.faq details[open] summary::after { content: "−"; }
.faq details p { padding: 0 0 22px; color: var(--ink-soft); max-width: 70ch; }

/* team */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.person {
  display: flex;
  align-items: center;
  gap: 16px;
  background: var(--white);
  border: 1px solid var(--hairline);
  border-radius: 12px;
  padding: 22px 24px;
  box-shadow: var(--shadow-card);
}
.person .ava {
  width: 54px; height: 54px; flex: none;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-family: var(--font-display);
  font-size: 20px;
  display: flex; align-items: center; justify-content: center;
}
.person.lead .ava { background: var(--gold); }
.person .name { font-weight: 650; font-size: 16.5px; color: var(--navy); }
.person .role { font-size: 13.5px; color: var(--ink-soft); }

/* contact */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 72px;
  align-items: start;
}
.office-card {
  background: var(--paper);
  border: 1px solid rgba(15,25,76,.06);
  border-radius: 12px;
  padding: 24px 26px;
  margin-bottom: 16px;
}
.office-card .city { font-family: var(--font-display); font-size: 20px; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.office-card p { font-size: 15px; color: var(--ink-soft); line-height: 1.6; }

.form-card {
  background: var(--white);
  border: 1px solid var(--hairline);
  border-radius: var(--radius);
  box-shadow: var(--shadow-pop);
  padding: 36px 34px;
}
.form-card h3 { margin-bottom: 6px; }
.form-card .form-sub { font-size: 14.5px; color: var(--ink-soft); margin-bottom: 24px; }
.field { display: grid; gap: 8px; margin-bottom: 18px; }
.field label { font-size: 14px; font-weight: 650; color: var(--navy); }
.field input, .field select, .field textarea {
  font: inherit;
  font-size: 15.5px;
  padding: 13px 15px;
  border: 1.5px solid rgba(15,25,76,.18);
  border-radius: 10px;
  background: var(--white);
  color: var(--ink);
  width: 100%;
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(15,25,76,.12);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-card .btn { width: 100%; margin-top: 6px; }
.form-note { margin-top: 14px; font-size: 13px; color: var(--ink-soft); text-align: center; }

/* responsive for inner components */
@media (max-width: 1020px) {
  .split, .contact-grid { grid-template-columns: 1fr; gap: 44px; }
  .contact-grid .form-card { order: -1; }
  .aside-card { position: static; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 760px) {
  .check-grid, .steps, .team-grid, .field-row { grid-template-columns: 1fr; }
}

/* ============================================================
   Insights / article components
   ============================================================ */

.article-wrap { max-width: 800px; margin: 0 auto; }
.article-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 14px;
  color: var(--ink-soft);
  margin-bottom: 10px;
  flex-wrap: wrap;
}
.article-meta .cat {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(183,141,74,.1);
  padding: 4px 10px;
  border-radius: 999px;
}
.prose h3 { font-size: 21px; margin: 30px 0 10px; }
.prose blockquote {
  border-left: 3px solid var(--gold);
  padding: 4px 0 4px 22px;
  margin: 26px 0;
  font-family: var(--font-display);
  font-size: 21px;
  line-height: 1.5;
  color: var(--navy);
}
.prose table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  font-size: 15px;
}
.prose th {
  text-align: left;
  font-weight: 650;
  color: var(--white);
  background: var(--navy);
  padding: 12px 16px;
}
.prose th:first-child { border-radius: 10px 0 0 0; }
.prose th:last-child { border-radius: 0 10px 0 0; }
.prose td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--hairline);
  color: var(--ink-soft);
  vertical-align: top;
}
.prose td:first-child { font-weight: 600; color: var(--navy); }

.post-card .cat {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.post-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
@media (max-width: 1020px) { .post-grid { grid-template-columns: 1fr; } }