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

:root {
  --white: #ffffff;
  --off-white: #f8f6f2;
  --warm-grey: #f0ede8;
  --border: #e2ddd6;
  --border-gold: rgba(184,134,11,0.25);
  --slate: #2c3e50;
  --slate-mid: #3d5166;
  --slate-light: #546e85;
  --gold: #b8860b;
  --gold-light: #d4a017;
  --gold-pale: #f5e6b8;
  --gold-bg: rgba(184,134,11,0.07);
  --accent: #1a6b8a;
  --accent-light: #2589ad;
  --text: #1e2a35;
  --text-mid: #4a5568;
  --text-soft: #718096;
  --green: #2d7a4f;
}

html { scroll-behavior: smooth; }

body {
  background: var(--white);
  color: var(--text);
  font-family: 'Source Serif 4', Georgia, serif;
  font-weight: 400;
  overflow-x: hidden;
}

/* ── NAV ── */
nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 60px;
  background: transparent;
  transition: all .4s;
}

nav.scrolled {
  padding: 16px 60px;
  background: rgba(255,255,255,0.97);
  box-shadow: 0 1px 20px rgba(44,62,80,0.08);
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 14px;
  text-decoration: none;
}

.nav-logo img {
  height: 44px;
  width: auto;
}

.nav-links {
  display: flex;
  gap: 40px;
  list-style: none;
}

.nav-links a {
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 500;
  color: var(--slate);
  text-decoration: none;
  letter-spacing: .01em;
  transition: color .2s;
}

.nav-links a:hover { color: var(--gold); }

.nav-cta {
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: .03em;
  color: var(--white);
  background: var(--accent);
  border: none;
  cursor: pointer;
  padding: 12px 28px;
  border-radius: 4px;
  text-decoration: none;
  transition: background .2s, transform .2s, box-shadow .2s;
  box-shadow: 0 2px 8px rgba(26,107,138,0.3);
}

.nav-cta:hover {
  background: var(--accent-light);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(26,107,138,0.35);
}

/* ── HERO ── */
#hero {
  min-height: 100vh;
  background: linear-gradient(160deg, #f8f6f2 0%, #eef4f7 50%, #e8f0f5 100%);
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 0;
  padding-top: 90px;
  position: relative;
  overflow: hidden;
}

.hero-bg-shape {
  position: absolute;
  top: -100px;
  right: -100px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(26,107,138,.07) 0%, transparent 70%);
}

.hero-bg-shape-2 {
  position: absolute;
  bottom: -80px;
  left: -80px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(184,134,11,.05) 0%, transparent 70%);
}

.hero-left {
  padding: 80px 60px 80px 80px;
  position: relative;
  z-index: 2;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gold-bg);
  color: var(--gold);
  border: 1px solid var(--border-gold);
  font-family: 'DM Sans', sans-serif;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 20px;
  margin-bottom: 28px;
  animation: fadeUp .6s ease both;
}

.hero-badge-dot {
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
}

.hero-title {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(36px, 4.5vw, 58px);
  font-weight: 700;
  line-height: 1.15;
  color: var(--slate);
  margin-bottom: 24px;
  animation: fadeUp .6s .1s ease both;
}

.hero-title span { color: var(--gold); }

.hero-subtitle {
  font-family: 'DM Sans', sans-serif;
  font-size: 18px;
  font-weight: 400;
  line-height: 1.7;
  color: var(--text-mid);
  margin-bottom: 40px;
  animation: fadeUp .6s .2s ease both;
}

.hero-subtitle strong {
  color: var(--slate);
  font-weight: 600;
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 20px;
  margin-bottom: 40px;
  animation: fadeUp .6s .3s ease both;
}

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-mid);
}

.hero-trust-check {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.hero-trust-check svg {
  width: 11px;
  height: 11px;
  stroke: white;
  fill: none;
  stroke-width: 2.5;
}

.hero-cta-wrap {
  display: flex;
  gap: 16px;
  align-items: center;
  animation: fadeUp .6s .35s ease both;
}

.btn-primary {
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  font-weight: 600;
  color: var(--white);
  background: var(--accent);
  border: none;
  cursor: pointer;
  padding: 16px 36px;
  border-radius: 4px;
  text-decoration: none;
  transition: background .2s, transform .2s, box-shadow .2s;
  box-shadow: 0 4px 16px rgba(26,107,138,0.3);
  display: inline-block;
}

.btn-primary:hover {
  background: var(--accent-light);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(26,107,138,0.35);
}

.btn-ghost {
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  font-weight: 500;
  color: var(--slate);
  background: transparent;
  border: 2px solid var(--border);
  cursor: pointer;
  padding: 14px 32px;
  border-radius: 4px;
  text-decoration: none;
  transition: border-color .2s, color .2s, background .2s;
  display: inline-block;
}

.btn-ghost:hover {
  border-color: var(--slate);
  color: var(--slate);
  background: rgba(255,255,255,0.55);
}

.hero-right {
  position: relative;
  z-index: 2;
  padding: 80px 80px 80px 40px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.hero-card {
  background: var(--white);
  border-radius: 12px;
  padding: 28px 32px;
  box-shadow: 0 4px 24px rgba(44,62,80,0.08);
  border: 1px solid var(--border);
  animation: fadeUp .7s ease both;
}

.hero-card:nth-child(2) {
  animation-delay: .15s;
  margin-left: 30px;
}

.hero-card:nth-child(3) { animation-delay: .25s; }

.hero-card-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--gold-bg);
  border: 1px solid var(--border-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}

.hero-card-icon svg {
  width: 22px;
  height: 22px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.8;
}

.hero-card-title {
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  font-weight: 600;
  color: var(--slate);
  margin-bottom: 8px;
}

.hero-card-desc {
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 400;
  color: var(--text-soft);
  line-height: 1.6;
}

/* ── SECTIONS SHARED ── */
section { padding: 100px 0; }

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 60px;
}

.section-label {
  font-family: 'DM Sans', sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.section-title {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(30px, 4vw, 48px);
  font-weight: 700;
  line-height: 1.2;
  color: var(--slate);
  margin-bottom: 20px;
}

.section-title em {
  font-style: normal;
  color: var(--gold);
}

.section-intro {
  font-family: 'DM Sans', sans-serif;
  font-size: 17px;
  font-weight: 400;
  line-height: 1.7;
  color: var(--text-mid);
  max-width: 580px;
}

.section-divider {
  width: 48px;
  height: 3px;
  background: var(--gold);
  border-radius: 2px;
  margin: 20px 0 32px;
}

/* ── STATS ── */
#stats {
  background: linear-gradient(135deg, var(--slate) 0%, #1e3045 100%);
  padding: 60px 0;
  position: relative;
  overflow: hidden;
}

#stats::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(
    90deg,
    transparent,
    transparent 120px,
    rgba(184,134,11,0.04) 120px,
    rgba(184,134,11,0.04) 121px
  );
}

.stats-grid {
  display: grid;
  gap: 0;
  position: relative;
  z-index: 1;
}

.stats-grid-5 {
  grid-template-columns: repeat(5, 1fr);
}

.stat-item {
  text-align: center;
  padding: 20px 28px;
  border-right: 1px solid rgba(184,134,11,0.2);
}

.stat-item:last-child { border-right: none; }

.stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 52px;
  font-weight: 700;
  color: var(--gold-light);
  line-height: 1;
  margin-bottom: 8px;
}

.stat-suffix { font-size: 28px; }

.stat-label {
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 400;
  color: rgba(255,255,255,.6);
  letter-spacing: .02em;
}

/* ── HOW ── */
#how { background: var(--off-white); }

.how-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  margin-top: 64px;
  position: relative;
}

.how-grid::before {
  content: '';
  position: absolute;
  top: 36px;
  left: 10%;
  right: 10%;
  height: 2px;
  background: linear-gradient(to right, var(--border), var(--gold), var(--border));
  z-index: 0;
}

.how-step {
  background: var(--white);
  border-radius: 12px;
  padding: 36px 28px;
  text-align: center;
  border: 1px solid var(--border);
  position: relative;
  z-index: 1;
  box-shadow: 0 2px 12px rgba(44,62,80,0.06);
  transition: box-shadow .3s, transform .3s, border-color .3s;
}

.how-step:hover {
  box-shadow: 0 8px 32px rgba(184,134,11,0.15);
  transform: translateY(-4px);
  border-color: var(--border-gold);
}

.step-number {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--white);
  font-family: 'DM Sans', sans-serif;
  font-size: 20px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 4px 12px rgba(184,134,11,0.35);
}

.step-title {
  font-family: 'Playfair Display', serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--slate);
  margin-bottom: 12px;
}

.step-body {
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 400;
  line-height: 1.7;
  color: var(--text-soft);
}

/* ── SERVICES ── */
#services { background: var(--white); }

.services-header {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  margin-bottom: 64px;
  align-items: end;
}

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

.service-card {
  background: var(--off-white);
  border-radius: 12px;
  padding: 36px 32px;
  border: 1px solid var(--border);
  transition: box-shadow .3s, transform .3s, border-color .3s;
}

.service-card:hover {
  box-shadow: 0 8px 32px rgba(184,134,11,0.15);
  transform: translateY(-4px);
  border-color: var(--border-gold);
}

.service-icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  background: var(--gold-bg);
  border: 1px solid var(--border-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.service-icon svg {
  width: 26px;
  height: 26px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.8;
}

.service-name {
  font-family: 'DM Sans', sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: var(--slate);
  margin-bottom: 10px;
}

.service-desc {
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 400;
  line-height: 1.7;
  color: var(--text-soft);
}

/* ── INVESTORS ── */
#investors { background: var(--white); }
/*
.investors-section {
  margin-top: 80px;
  padding: 80px;
  background: var(--warm-grey);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  border-radius: 20px;
}
*/
.investors-header {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: end;
  margin-bottom: 36px;
}

.investors-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: 16px;
  padding: 36px;
  box-shadow: 0 6px 24px rgba(44,62,80,0.06);
}

.investors-text {
  font-family: 'DM Sans', sans-serif;
  font-size: 16px;
  line-height: 1.8;
  color: var(--text-mid);
  max-width: 900px;
  margin-bottom: 28px;
}

.investors-points {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 16px;
}

.investor-point {
  grid-column: span 2;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 16px 18px 16px 44px;
  position: relative;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 500;
  color: var(--slate);
  line-height: 1.6;
  min-height: 72px;
  display: flex;
  align-items: center;
  transition: box-shadow .2s, border-color .2s, transform .2s;
}

.investor-point:hover {
  box-shadow: 0 6px 18px rgba(184,134,11,0.12);
  border-color: var(--border-gold);
  transform: translateY(-2px);
}

.investor-point::before {
  content: "✓";
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold-bg);
  border: 1px solid var(--border-gold);
  color: var(--gold);
  font-size: 12px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.investor-point:nth-child(4) {
  grid-column: 2 / span 2;
}

.investor-point:nth-child(5) {
  grid-column: 4 / span 2;
}

/* ── WHY ── */
#why { background: var(--warm-grey); }

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.why-left .section-intro {
  max-width: 100%;
  margin-bottom: 32px;
}

.why-items {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.why-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: var(--off-white);
  border-radius: 10px;
  padding: 22px 24px;
  border: 1px solid var(--border);
  transition: box-shadow .2s, border-color .2s;
}

.why-item:hover {
  box-shadow: 0 4px 20px rgba(184,134,11,0.12);
  border-color: var(--border-gold);
}

.why-icon {
  width: 40px;
  height: 40px;
  border-radius: 8px;
  background: var(--gold-bg);
  border: 1px solid var(--border-gold);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}

.why-icon svg {
  width: 20px;
  height: 20px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 2;
}

.why-text-title {
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  font-weight: 700;
  color: var(--slate);
  margin-bottom: 4px;
}

.why-text-body {
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 400;
  line-height: 1.6;
  color: var(--text-soft);
}

/* ── TESTIMONIALS ── */
#testimonials { background: var(--warm-grey); }

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 64px;
}

.testimonial-card {
  background: var(--white);
  border-radius: 12px;
  padding: 32px;
  border: 1px solid var(--border);
  position: relative;
  transition: box-shadow .3s, border-color .3s;
}

.testimonial-card:hover {
  box-shadow: 0 6px 24px rgba(184,134,11,0.12);
  border-color: var(--border-gold);
}

.testimonial-quote {
  font-size: 48px;
  line-height: 1;
  color: var(--gold);
  opacity: .2;
  font-family: Georgia, serif;
  position: absolute;
  top: 20px;
  right: 28px;
}

.testimonial-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 16px;
}

.testimonial-stars svg {
  width: 16px;
  height: 16px;
  fill: var(--gold);
  stroke: var(--gold);
  stroke-width: 0;
}

.testimonial-text {
  font-family: 'Source Serif 4', Georgia, serif;
  font-size: 15px;
  font-style: italic;
  line-height: 1.7;
  color: var(--text-mid);
  margin-bottom: 20px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--white);
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.testimonial-name {
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: var(--slate);
}

.testimonial-role {
  font-family: 'DM Sans', sans-serif;
  font-size: 12px;
  color: var(--text-soft);
}

/* ── CONTACT ── */
#contact { background: var(--white); }

.contact-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.contact-info-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 3vw, 40px);
  font-weight: 700;
  color: var(--slate);
  margin-bottom: 16px;
  line-height: 1.2;
}

.contact-info-text {
  font-family: 'DM Sans', sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--text-mid);
  margin-bottom: 36px;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 36px;
}

.contact-detail {
  display: flex;
  align-items: center;
  gap: 14px;
  background: var(--off-white);
  border-radius: 8px;
  padding: 14px 18px;
  border: 1px solid var(--border);
}

.contact-detail-icon {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: var(--gold-bg);
  border: 1px solid var(--border-gold);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}

.contact-detail-icon svg {
  width: 18px;
  height: 18px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 2;
}

.contact-detail-label {
  font-family: 'DM Sans', sans-serif;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--text-soft);
}

.contact-detail-value {
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 500;
  color: var(--slate);
}

.contact-guarantee {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(45,122,79,.08);
  border-radius: 8px;
  padding: 14px 18px;
  border: 1px solid rgba(45,122,79,.2);
}

.contact-guarantee svg {
  width: 20px;
  height: 20px;
  stroke: var(--green);
  fill: none;
  stroke-width: 2;
  flex-shrink: 0;
}

.contact-guarantee span {
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 500;
  color: var(--green);
}

.contact-form-wrap {
  background: var(--off-white);
  border-radius: 16px;
  padding: 44px;
  border: 1px solid var(--border);
  box-shadow: 0 4px 32px rgba(44,62,80,0.08);
  border-top: 3px solid var(--gold);
}

.form-title {
  font-family: 'Playfair Display', serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--slate);
  margin-bottom: 8px;
}

.form-subtitle {
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  color: var(--text-soft);
  margin-bottom: 28px;
}

.contact-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-label {
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--slate);
}

.form-input, .form-textarea {
  background: var(--white);
  border: 1.5px solid var(--border);
  color: var(--text);
  padding: 12px 16px;
  border-radius: 6px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 400;
  outline: none;
  transition: border-color .2s, background .2s, box-shadow .2s;
  width: 100%;
}

.form-input::placeholder, .form-textarea::placeholder { color: var(--text-soft); }

.form-input:focus, .form-textarea:focus {
  border-color: var(--gold);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(184,134,11,0.1);
}

.form-textarea {
  resize: vertical;
  min-height: 120px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-submit { margin-top: 8px; }

.form-submit .btn-primary {
  width: 100%;
  text-align: center;
  font-size: 16px;
  padding: 16px;
}

.form-success {
  display: none;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  color: var(--green);
  margin-top: 10px;
  font-weight: 500;
  background: rgba(45,122,79,.08);
  padding: 12px 16px;
  border-radius: 6px;
}

/* ── FOOTER ── */
footer {
  background: var(--slate);
  padding: 60px 0 36px;
  border-top: 3px solid var(--gold);
}

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

.footer-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.footer-logo img {
  height: 36px;
  width: auto;
  filter: brightness(0) invert(1);
  opacity: .8;
}

.footer-logo-text {
  font-family: 'DM Sans', sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: rgba(255,255,255,.9);
  letter-spacing: .05em;
}

.footer-tagline {
  font-family: 'Source Serif 4', Georgia, serif;
  font-style: italic;
  font-size: 14px;
  color: rgba(255,255,255,.45);
}

.footer-copy {
  font-family: 'DM Sans', sans-serif;
  font-size: 12px;
  color: rgba(255,255,255,.3);
}

/* Footer legal links */
.footer-legal {
  display: flex;
  justify-content: center;
  gap: 18px;
  margin-top: 8px;
  flex-wrap: wrap;
}

.footer-legal a {
  position: relative;
  font-size: 13px;
  color: #6B7280; /* zacht grijs */
  text-decoration: none;
  transition: color 0.25s ease;
}

/* subtiele underline animatie */
.footer-legal a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -2px;
  width: 0;
  height: 1px;
  background: #C8A96A; /* goud */
  transition: width 0.25s ease;
}

.footer-legal a:hover {
  color: #0B1F3A; /* navy */
}

.footer-legal a:hover::after {
  width: 100%;
}

/* ── ANIMATIONS ── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity .7s ease, transform .7s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-delay-1 { transition-delay: .1s; }
.reveal-delay-2 { transition-delay: .2s; }
.reveal-delay-3 { transition-delay: .3s; }
.reveal-delay-4 { transition-delay: .4s; }

/* ── MOBILE ── */
@media (max-width: 960px) {
  nav { padding: 18px 24px; }
  nav.scrolled { padding: 12px 24px; }

  .nav-links { display: none; }

  .container { padding: 0 24px; }

  section { padding: 70px 0; }

  #hero { grid-template-columns: 1fr; }

  .hero-left { padding: 60px 24px 20px; }
  .hero-right { padding: 20px 24px 60px; }

  .hero-card:nth-child(2) { margin-left: 0; }

  .services-header,
  .why-grid,
  .contact-wrap,
  .investors-header {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .services-grid,
  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .how-grid {
    grid-template-columns: 1fr 1fr;
  }

  .how-grid::before { display: none; }

  .stats-grid-5 {
    grid-template-columns: 1fr 1fr;
  }

  .stat-item {
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,.1);
  }

  .investors-section {
    padding: 56px 24px;
    border-radius: 0;
  }

  .investors-points {
    grid-template-columns: 1fr;
  }

  .investor-point,
  .investor-point:nth-child(4),
  .investor-point:nth-child(5) {
    grid-column: auto;
    min-height: auto;
  }

  .footer-inner {
    flex-direction: column;
    text-align: center;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .hero-cta-wrap {
    flex-direction: column;
    align-items: flex-start;
  }

  .contact-form-wrap {
    padding: 28px 20px;
  }
}

.cookie-banner {
  position: fixed;
  bottom: 20px;
  left: 50%;
  transform: translateX(-50%);
  background: #0B1F3A;
  color: #ffffff;
  padding: 18px 22px;
  border-radius: 10px;
  max-width: 520px;
  width: calc(100% - 40px);
  box-shadow: 0 10px 30px rgba(0,0,0,0.2);
  z-index: 9999;
  display: none;
  transition: opacity 0.3s ease, transform 0.3s ease;
}

.cookie-inner {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.cookie-banner p {
  font-size: 13px;
  line-height: 1.5;
  margin: 0;
}

.cookie-banner a {
  color: #C8A96A;
  text-decoration: none;
}

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

.cookie-banner.hide {
  opacity: 0;
  transform: translateX(-50%) translateY(20px);
}


/* cookies */
.legal-hero {
      padding: 160px 0 48px;
      background: linear-gradient(160deg, #f8f6f2 0%, #eef4f7 50%, #e8f0f5 100%);
      border-bottom: 1px solid var(--border);
    }

    .legal-wrap {
      max-width: 860px;
    }

    .legal-card {
      background: var(--white);
      border: 1px solid var(--border);
      border-top: 3px solid var(--gold);
      border-radius: 16px;
      box-shadow: 0 4px 32px rgba(44,62,80,0.08);
      padding: 44px;
      margin: 40px 0 80px;
    }

    .legal-meta {
      font-family: 'DM Sans', sans-serif;
      font-size: 14px;
      line-height: 1.8;
      color: var(--text-mid);
      margin-top: 16px;
    }

    .legal-meta a,
    .legal-card a,
    .footer-legal a {
      color: var(--accent);
      text-decoration: none;
    }

    .legal-meta a:hover,
    .legal-card a:hover,
    .footer-legal a:hover {
      color: var(--gold);
    }

    .legal-card h2 {
      font-family: 'Playfair Display', Georgia, serif;
      font-size: 28px;
      line-height: 1.25;
      color: var(--slate);
      margin: 32px 0 14px;
    }

    .legal-card h2:first-child {
      margin-top: 0;
    }

    .legal-card h3 {
      font-family: 'DM Sans', sans-serif;
      font-size: 18px;
      line-height: 1.5;
      color: var(--slate);
      margin: 22px 0 10px;
      font-weight: 700;
    }

    .legal-card p,
    .legal-card li {
      font-family: 'DM Sans', sans-serif;
      font-size: 15px;
      line-height: 1.85;
      color: var(--text-mid);
    }

    .legal-card ul {
      margin: 8px 0 0 20px;
    }

    .footer-stack {
      display: flex;
      flex-direction: column;
      align-items: flex-end;
      gap: 8px;
    }

    .footer-legal {
      display: flex;
      flex-wrap: wrap;
      justify-content: flex-end;
      gap: 12px;
      font-family: 'DM Sans', sans-serif;
      font-size: 12px;
      color: rgba(255,255,255,.55);
    }

    .footer-legal span {
      color: rgba(255,255,255,.25);
    }

    @media (max-width: 960px) {
      .legal-hero {
        padding: 120px 0 32px;
      }

      .legal-card {
        padding: 28px 22px;
        margin: 28px 0 56px;
      }

      .footer-stack {
        align-items: center;
      }

      .footer-legal {
        justify-content: center;
      }
    }

.cookie-banner .btn-primary {
  background: #C8A96A;
  color: #fff;
  border: none;
  padding: 8px 14px;
  border-radius: 4px;
  cursor: pointer;
  box-shadow: none;
}

.cookie-banner .btn-primary:hover {
  background: #b8860b;
  transform: none;
  box-shadow: none;
}

.cookie-banner .btn-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  color: #fff;
  border: 1px solid #ffffff40;
  padding: 8px 14px;
  border-radius: 4px;
  cursor: pointer;
  text-decoration: none;
}

.cookie-banner .btn-secondary:hover {
  background: rgba(255,255,255,0.06);
  color: #fff;
  border-color: #ffffff55;
  transform: none;
}


/* page-specific styles */
.page-contact .page-hero {
  padding: 160px 0 64px;
  background: linear-gradient(160deg, #f8f6f2 0%, #eef4f7 50%, #e8f0f5 100%);
  border-bottom: 1px solid var(--border);
}

.page-contact .page-grid,
.page-contact .contact-grid,
.page-contact .details-grid,
.page-contact .contact-cta-grid {
  display: grid;
  gap: 24px;
}

.page-contact .page-grid {
  grid-template-columns: 1.05fr .95fr;
  align-items: center;
  gap: 48px;
}

.page-contact .hero-note,
.page-contact .detail-card,
.page-contact .contact-form-wrap,
.page-contact .contact-box,
.page-contact .faq-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold);
  border-radius: 16px;
  box-shadow: 0 4px 32px rgba(44,62,80,0.08);
}

.page-contact .hero-note {
  padding: 28px;
}

.page-contact .hero-note p,
.page-contact .detail-card p,
.page-contact .contact-box p,
.page-contact .faq-card p,
.page-contact .contact-form-note {
  font-family: 'DM Sans', sans-serif;
  color: var(--text-mid);
  line-height: 1.8;
  font-size: 15px;
}

.page-contact .contact-section {
  padding: 88px 0;
}

.page-contact .contact-grid {
  grid-template-columns: .9fr 1.1fr;
  align-items: start;
}

.page-contact .details-grid {
  grid-template-columns: 1fr;
}

.page-contact .detail-card,
.page-contact .contact-box,
.page-contact .faq-card {
  padding: 28px;
}

.page-contact .detail-label {
  font-family: 'DM Sans', sans-serif;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}

.page-contact .detail-value,
.page-contact .detail-value a {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 24px;
  line-height: 1.35;
  color: var(--slate);
  text-decoration: none;
}

.page-contact .detail-meta {
  margin-top: 8px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  color: var(--text-soft);
  line-height: 1.7;
}

.page-contact .form-title {
  margin-bottom: 8px;
}

.page-contact .contact-form-note {
  margin-bottom: 24px;
}

.page-contact .contact-form-status {
  display: none;
  margin-top: 12px;
  padding: 12px 16px;
  border-radius: 8px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  line-height: 1.6;
}

.page-contact .contact-form-status.success {
  display: block;
  color: #1f6a3f;
  background: rgba(45,122,79,.08);
  border: 1px solid rgba(45,122,79,.18);
}

.page-contact .contact-form-status.error {
  display: block;
  color: #8a2d2d;
  background: rgba(160,42,42,.08);
  border: 1px solid rgba(160,42,42,.18);
}

.page-contact .contact-cta-grid {
  grid-template-columns: 1fr 1fr;
}

.page-contact .contact-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 16px;
}

.page-contact .btn-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 20px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: var(--white);
  color: var(--slate);
  text-decoration: none;
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
  transition: .25s ease;
}

.page-contact .btn-secondary:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-1px);
}

.page-contact .footer-stack {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 8px;
}

.page-contact .footer-legal {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 18px;
  margin-top: 8px;
}

.page-contact .footer-legal a {
  position: relative;
  font-size: 13px;
  color: rgba(255,255,255,.6);
  text-decoration: none;
  transition: color .25s ease;
  font-family: 'DM Sans', sans-serif;
}

.page-contact .footer-legal a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -2px;
  width: 0;
  height: 1px;
  background: var(--gold);
  transition: width .25s ease;
}

.page-contact .footer-legal a:hover {
  color: #fff;
}

.page-contact .footer-legal a:hover::after {
  width: 100%;
}

.page-about .page-hero {
  padding: 160px 0 72px;
  background: linear-gradient(160deg, #f8f6f2 0%, #eef4f7 50%, #e8f0f5 100%);
  border-bottom: 1px solid var(--border);
}

.page-about .page-hero-grid {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 56px;
  align-items: center;
}

.page-about .page-intro {
  max-width: 640px;
}

.page-about .founder-card,
.page-about .story-card,
.page-about .value-card,
.page-about .timeline-card,
.page-about .cta-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold);
  border-radius: 16px;
  box-shadow: 0 4px 32px rgba(44,62,80,0.08);
}

.page-about .founder-card {
  padding: 18px;
}

.page-about .founder-photo {
  width: 100%;
  max-width: 320px;
  border-radius: 14px;
  display: block;
  margin: 0 auto 18px;
  object-fit: cover;
}

.page-about .founder-meta {
  text-align: center;
}

.page-about .founder-name {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 28px;
  color: var(--slate);
  margin-bottom: 6px;
}

.page-about .founder-role {
  color: var(--text-mid);
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
}

.page-about .about-section {
  padding: 88px 0;
}

.page-about .story-grid,
.page-about .values-grid,
.page-about .timeline-grid,
.page-about .cta-grid {
  display: grid;
  gap: 24px;
}

.page-about .story-grid {
  grid-template-columns: 1.1fr .9fr;
  align-items: start;
}

.page-about .story-card {
  padding: 38px;
}

.page-about .story-card p,
.page-about .timeline-card p,
.page-about .value-card p,
.page-about .cta-box p {
  font-family: 'DM Sans', sans-serif;
  color: var(--text-mid);
  line-height: 1.85;
  font-size: 15px;
}

.page-about .story-note {
  background: var(--gold-bg);
  border: 1px solid var(--border-gold);
  color: var(--slate);
  border-radius: 14px;
  padding: 28px;
  font-family: 'DM Sans', sans-serif;
  line-height: 1.8;
  font-size: 15px;
}

.page-about .values-grid {
  grid-template-columns: repeat(3, 1fr);
}

.page-about .value-card,
.page-about .timeline-card,
.page-about .cta-box {
  padding: 30px;
}

.page-about .value-icon {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  background: var(--gold-bg);
  border: 1px solid var(--border-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}

.page-about .value-icon svg {
  width: 22px;
  height: 22px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.9;
}

.page-about .card-title {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 24px;
  color: var(--slate);
  margin-bottom: 10px;
  line-height: 1.25;
}

.page-about .card-subtitle {
  font-family: 'DM Sans', sans-serif;
  font-size: 12px;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
  font-weight: 700;
}

.page-about .timeline-grid {
  grid-template-columns: repeat(3, 1fr);
}

.page-about .timeline-step {
  font-family: 'DM Sans', sans-serif;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--gold);
  margin-bottom: 12px;
  font-weight: 700;
}

.page-about .cta-grid {
  grid-template-columns: 1fr 1fr;
}

.page-about .cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 20px;
}

.page-about .btn-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 20px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: var(--white);
  color: var(--slate);
  text-decoration: none;
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
  transition: .25s ease;
}

.page-about .btn-secondary:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-1px);
}

.page-about .footer-stack {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 8px;
}

.page-about .footer-legal {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 18px;
  margin-top: 8px;
}

.page-about .footer-legal a {
  position: relative;
  font-size: 13px;
  color: rgba(255,255,255,.6);
  text-decoration: none;
  transition: color .25s ease;
  font-family: 'DM Sans', sans-serif;
}

.page-about .footer-legal a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -2px;
  width: 0;
  height: 1px;
  background: var(--gold);
  transition: width .25s ease;
}

.page-about .footer-legal a:hover {
  color: #fff;
}

.page-about .footer-legal a:hover::after {
  width: 100%;
}

@media (max-width: 960px) {
  .page-contact .page-hero,
  .page-about .page-hero {
    padding: 120px 0 48px;
  }

  .page-contact .page-grid,
  .page-contact .contact-grid,
  .page-contact .contact-cta-grid,
  .page-about .page-hero-grid,
  .page-about .story-grid,
  .page-about .values-grid,
  .page-about .timeline-grid,
  .page-about .cta-grid {
    grid-template-columns: 1fr;
  }

  .page-contact .hero-note,
  .page-contact .detail-card,
  .page-contact .contact-box,
  .page-contact .faq-card,
  .page-about .story-card,
  .page-about .value-card,
  .page-about .timeline-card,
  .page-about .cta-box {
    padding: 24px;
  }

  .page-contact .footer-stack,
  .page-about .footer-stack {
    align-items: center;
  }

  .page-contact .footer-legal,
  .page-about .footer-legal {
    justify-content: center;
  }
}

.nav-toggle {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid rgba(11, 31, 58, 0.12);
  background: #ffffff;
  border-radius: 12px;
  padding: 0;
  cursor: pointer;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  transition: 0.25s ease;
}

.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  background: var(--slate);
  border-radius: 999px;
  transition: 0.25s ease;
}

.nav-toggle:hover {
  border-color: var(--gold);
}

.nav-open .nav-toggle span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-open .nav-toggle span:nth-child(2) {
  opacity: 0;
}

.nav-open .nav-toggle span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

@media (max-width: 960px) {
  #nav {
    position: relative;
    gap: 14px;
    flex-wrap: wrap;
  }

  .nav-toggle {
    display: inline-flex;
    margin-left: auto;
  }

  .nav-cta {
    display: none;
  }

  .nav-links {
    display: none;
    width: 100%;
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    background: #ffffff;
    border: 1px solid var(--border);
    border-top: 3px solid var(--gold);
    border-radius: 16px;
    padding: 10px 0;
    margin-top: 10px;
    box-shadow: 0 16px 40px rgba(44, 62, 80, 0.12);
  }

  .nav-open .nav-links {
    display: flex;
  }

  .nav-links li {
    width: 100%;
    list-style: none;
  }

  .nav-links a {
    display: block;
    width: 100%;
    padding: 14px 18px;
  }
}


/* Service */

/* ── SERVICE PAGE ── */
.page-service .page-hero {
  padding: 160px 0 72px;
  background: linear-gradient(160deg, #f8f6f2 0%, #eef4f7 50%, #e8f0f5 100%);
  border-bottom: 1px solid var(--border);
}

.page-service .service-intro {
  max-width: 760px;
}

.page-service .service-section {
  padding: 88px 0;
}

.page-service .service-grid {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 32px;
  align-items: start;
}

.page-service .service-card,
.page-service .service-note,
.page-service .service-cta-box,
.page-service .service-list-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold);
  border-radius: 16px;
  box-shadow: 0 4px 32px rgba(44,62,80,0.08);
}

.page-service .service-card,
.page-service .service-cta-box,
.page-service .service-list-box {
  padding: 36px;
}

.page-service .service-note {
  padding: 28px;
  background: var(--gold-bg);
  border: 1px solid var(--border-gold);
  border-top: 3px solid var(--gold);
}

.page-service .service-card p,
.page-service .service-note p,
.page-service .service-cta-box p,
.page-service .service-list-box p {
  font-family: 'DM Sans', sans-serif;
  color: var(--text-mid);
  line-height: 1.85;
  font-size: 15px;
}

.page-service .service-card ul,
.page-service .service-list-box ul {
  margin: 18px 0 0 0;
  padding: 0;
  list-style: none;
}

.page-service .service-card li,
.page-service .service-list-box li {
  position: relative;
  padding-left: 28px;
  margin-bottom: 14px;
  font-family: 'DM Sans', sans-serif;
  color: var(--text-mid);
  line-height: 1.7;
  font-size: 15px;
}

.page-service .service-card li::before,
.page-service .service-list-box li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 1px;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold-bg);
  border: 1px solid var(--border-gold);
  color: var(--gold);
  font-size: 11px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.page-service .service-kicker {
  font-family: 'DM Sans', sans-serif;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}

.page-service .service-title {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 30px;
  line-height: 1.2;
  color: var(--slate);
  margin-bottom: 14px;
}

.page-service .service-title.small {
  font-size: 24px;
}

.page-service .service-cta-box {
  background: linear-gradient(135deg, var(--slate) 0%, #1e3045 100%);
  border-color: rgba(255,255,255,0.08);
}

.page-service .service-cta-box .service-title,
.page-service .service-cta-box p {
  color: var(--white);
}

.page-service .service-cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 22px;
}

.page-service .service-cta-actions .btn-ghost {
  border-color: rgba(255,255,255,0.2);
  color: var(--white);
}

.page-service .service-cta-actions .btn-ghost:hover {
  background: rgba(255,255,255,0.06);
  border-color: rgba(255,255,255,0.35);
  color: var(--white);
}

@media (max-width: 960px) {
  .page-service .page-hero {
    padding: 120px 0 48px;
  }

  .page-service .service-section {
    padding: 70px 0;
  }

  .page-service .service-grid {
    grid-template-columns: 1fr;
  }

  .page-service .service-card,
  .page-service .service-list-box,
  .page-service .service-cta-box,
  .page-service .service-note {
    padding: 24px;
  }

  .page-service .service-title {
    font-size: 26px;
  }

  .page-service .service-title.small {
    font-size: 22px;
  }
}

/* service links */
/* ── CLICKABLE SERVICE CARDS ── */
a.service-card {
  text-decoration: none;
  color: inherit;
  display: block;
}

a.service-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 12px 40px rgba(44,62,80,0.12);
}

a.service-card:active {
  transform: translateY(-2px);
}

a.service-card:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}

a.service-card .service-name {
  transition: color 0.2s ease;
}

a.service-card:hover .service-name {
  color: var(--gold);
}
/* clickable cards */
a.service-card {
  display: block;
  text-decoration: none;
  color: inherit;
}

a.service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 32px rgba(184,134,11,0.15);
  border-color: var(--border-gold);
}

a.service-card:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}

/* homepage service grids */
.services-grid.services-grid-main {
  grid-template-columns: repeat(3, 1fr);
}

.services-grid.services-grid-links {
  grid-template-columns: repeat(2, 1fr);
  max-width: 900px;
  margin: 40px auto 0;
}

#service-links {
  background: var(--warm-grey);
}

#service-links .section-intro {
  max-width: 760px;
}

#service-links .service-card {
  background: var(--white);
}

@media (max-width: 960px) {
  .services-grid.services-grid-main,
  .services-grid.services-grid-links {
    grid-template-columns: 1fr;
  }

  .services-grid.services-grid-links {
    max-width: 100%;
    margin-top: 32px;
  }
}