@layer od-layout {
  :where(.od-stack,.od-row,.od-row-top,.od-cluster,.od-grid,.od-field,.od-stat,.od-cell,.od-tile) > :where(*) { min-width: 0; }
  .od-stack   { display: flex; flex-direction: column; gap: var(--od-gap, 8px); }
  .od-row     { display: flex; align-items: center; gap: var(--od-gap, 8px); }
  .od-row-top { display: flex; align-items: flex-start; gap: var(--od-gap, 8px); }
  .od-cluster { display: flex; flex-wrap: wrap; align-items: center; gap: var(--od-gap, 8px); }
  .od-fill    { flex: 1 1 0; min-width: 0; }
  .od-fixed   { flex: none; }
  .od-grid    { display: grid; gap: var(--od-gap, 12px); grid-template-columns: repeat(var(--od-cols, 3), minmax(0, 1fr)); }
  .od-stat, .od-field, .od-cell { display: grid; gap: var(--od-gap, 2px); }
  :where(.od-stat,.od-field,.od-cell) > :where(*) { display: block; }
  .od-tile { display: grid; grid-template-rows: auto 1fr; }
  :where(.od-tile) > :where(*) { display: block; }
  .od-media { display: block; width: 100%; height: auto; aspect-ratio: var(--od-ratio, auto); }
  .od-media-cover { object-fit: cover; }
  .od-truncate { display: block; max-width: 100%; overflow: hidden; white-space: nowrap; text-overflow: ellipsis; }
  .od-clamp-2, .od-clamp-3 { display: -webkit-box; -webkit-box-orient: vertical; overflow: hidden; overflow-wrap: anywhere; }
  .od-clamp-2 { -webkit-line-clamp: 2; }
  .od-clamp-3 { -webkit-line-clamp: 3; }
  .od-lines-2 { min-height: calc(2 * 1.4em); }
  .od-nowrap  { white-space: nowrap; }
  .od-keep    { word-break: keep-all; overflow-wrap: anywhere; }
  .od-screen { display: grid; grid-template-rows: auto minmax(0, 1fr) auto; height: 100%; }
  .od-scroll { overflow-y: auto; overscroll-behavior: contain; min-height: 0; }
  .od-rail { display: flex; gap: var(--od-gap, 8px); overflow-x: auto; scroll-snap-type: x proximity; scrollbar-width: none; padding-inline: var(--od-rail-pad, 16px); scroll-padding-inline: var(--od-rail-pad, 16px); }
  .od-rail::-webkit-scrollbar { display: none; }
  :where(.od-rail) > :where(*) { flex: none; scroll-snap-align: start; }
  :where(.od-rail) > :where(:last-child) { margin-inline-end: var(--od-rail-pad, 16px); }
  .od-spacer { flex: none; visibility: hidden; pointer-events: none; }
  .od-touch  { min-width: 44px; min-height: 44px; }
}
/* /OD-LAYOUT-PRIMITIVES v1 */

/* ==========================================================================
   WH SelfInvest — Institutional editorial stylesheet
   ========================================================================== */

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

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: var(--fs-16);
  line-height: var(--lh-normal);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img, svg, video { max-width: 100%; }
img { height: auto; }

h1, h2, h3, h4 { margin: 0; font-family: var(--font-display); font-weight: 600; color: var(--navy-900); letter-spacing: -0.005em; line-height: var(--lh-snug); }
h1 { font-size: var(--h1); line-height: var(--lh-tight); }
h2 { font-size: var(--h2); }
h3 { font-size: var(--h3); }
p { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
a { color: inherit; text-decoration: none; }
button { font: inherit; }

:focus-visible {
  outline: 2px solid var(--focus-ring);
  outline-offset: 3px;
  border-radius: var(--r-1);
}

/* ------------------------------------------------ accessibility helpers */
.skip-link {
  position: absolute;
  left: var(--sp-4);
  top: -60px;
  z-index: 200;
  background: var(--navy-900);
  color: #fff;
  padding: 10px 16px;
  font-size: var(--fs-14);
  transition: top var(--dur-fast) var(--ease-out);
}
.skip-link:focus { top: 12px; }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* ------------------------------------------------------------- layout */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding-inline: var(--gutter); }
.container-narrow { width: 100%; max-width: var(--container-narrow); margin: 0 auto; padding-inline: var(--gutter); }

.section { padding-block: var(--section-y); }
.section--tight { padding-block: clamp(48px, 5vw, 76px); }
.section--alt { background: var(--ground); }
.section--ink { background: var(--navy-900); color: var(--ink-on-dark); }
.section--ink h1, .section--ink h2, .section--ink h3 { color: #fff; }

.section-head { max-width: 720px; margin-bottom: clamp(36px, 4vw, 60px); }
.section-head h2 { margin-top: var(--sp-4); }
.section-head p { margin-top: var(--sp-5); color: var(--ink-2); font-size: var(--fs-18); line-height: var(--lh-relaxed); }
.section-head--center { margin-inline: auto; text-align: center; }

.eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-size: var(--fs-12);
  font-weight: 600;
  letter-spacing: var(--tracking-wider);
  text-transform: uppercase;
  color: var(--petrol-700);
}
.eyebrow--on-dark { color: var(--petrol-200); }

.lede { font-size: clamp(18px, 1.5vw, 21px); line-height: var(--lh-relaxed); color: var(--ink-2); }
.measure { max-width: 66ch; }

.section-index { font-family: var(--font-mono); font-size: var(--fs-12); letter-spacing: var(--tracking-wide); color: var(--ink-3); }

/* ---------------------------------------------------------- page heads */
.page-head-section { padding-block: clamp(44px, 6vw, 84px) clamp(8px, 1.5vw, 20px); }
.page-head { max-width: 820px; }
.page-head h1 { margin-top: var(--sp-4); }
.page-head p { margin-top: var(--sp-5); }
.page-head--center { margin-inline: auto; text-align: center; }

/* ------------------------------------------------------------ buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 48px; padding: 0 24px;
  border: 1px solid transparent; border-radius: var(--r-1);
  font-family: var(--font-body); font-size: var(--fs-14); font-weight: 600;
  letter-spacing: 0.02em; cursor: pointer;
  transition: background-color var(--dur-fast) var(--ease-out), color var(--dur-fast) var(--ease-out), border-color var(--dur-fast) var(--ease-out);
}
.btn--primary { background: var(--navy-900); color: #fff; }
.btn--primary:hover { background: var(--navy-700); }
.btn--outline { background: transparent; color: var(--navy-900); border-color: var(--line-strong); }
.btn--outline:hover { border-color: var(--navy-900); }
.btn--ghost { background: transparent; color: var(--navy-900); }
.btn--ghost:hover { color: var(--petrol-700); }
.btn--text { min-height: 0; padding: 0; background: none; border: 0; color: var(--navy-900); text-decoration: underline; text-underline-offset: 4px; text-decoration-thickness: 1px; }
.btn--text:hover { color: var(--petrol-700); }
.btn--on-dark { background: #fff; color: var(--navy-900); border-color: #fff; }
.btn--on-dark:hover { background: var(--ground-3); }
.btn--outline-on-dark { background: transparent; color: #fff; border-color: rgba(255,255,255,0.35); }
.btn--outline-on-dark:hover { border-color: #fff; }
.btn--sm { min-height: 40px; padding: 0 16px; font-size: var(--fs-13); }
.btn--block { width: 100%; }
.btn[disabled] { opacity: 0.5; cursor: not-allowed; }

.link-arrow { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; font-size: var(--fs-14); color: var(--navy-900); }
.link-arrow svg { transition: transform var(--dur-fast) var(--ease-out); }
.link-arrow:hover { color: var(--petrol-700); }
.link-arrow:hover svg { transform: translateX(3px); }

/* ------------------------------------------------------------- header */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.96);
  backdrop-filter: saturate(150%) blur(8px);
  -webkit-backdrop-filter: saturate(150%) blur(8px);
  border-top: 3px solid var(--navy-900);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; gap: var(--sp-8); min-height: var(--header-h); }

.brand { display: inline-flex; align-items: center; gap: 12px; flex: none; }
.brand-mark { display: grid; place-items: center; color: var(--navy-900); }
.brand-text { display: flex; flex-direction: column; line-height: 1.05; }
.brand-name { font-family: var(--font-display); font-size: var(--fs-20); font-weight: 600; color: var(--navy-900); letter-spacing: 0.01em; }
.brand-tag { font-size: var(--fs-11); letter-spacing: var(--tracking-wide); text-transform: uppercase; color: var(--ink-3); }

.main-nav { margin-inline: auto; }
.nav-list { display: flex; align-items: center; gap: clamp(16px, 2vw, 34px); }
.nav-link { position: relative; display: block; padding: 8px 0; font-size: var(--fs-14); font-weight: 500; color: var(--ink-2); transition: color var(--dur-fast) var(--ease-out); }
.nav-link::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 1px; background: var(--navy-900); transform: scaleX(0); transform-origin: left; transition: transform var(--dur-base) var(--ease-out); }
.nav-link:hover { color: var(--navy-900); }
.nav-link:hover::after, .nav-link[aria-current="page"]::after { transform: scaleX(1); }
.nav-link[aria-current="page"] { color: var(--navy-900); }

.header-actions { display: flex; align-items: center; gap: var(--sp-3); flex: none; }
.lang-switch { display: inline-flex; border: 1px solid var(--line); border-radius: var(--r-1); overflow: hidden; }
.lang-switch button { background: transparent; border: 0; padding: 7px 10px; font-size: var(--fs-12); font-weight: 600; letter-spacing: 0.06em; color: var(--ink-3); cursor: pointer; transition: color var(--dur-fast) var(--ease-out), background-color var(--dur-fast) var(--ease-out); }
.lang-switch button[aria-pressed="true"] { color: #fff; background: var(--navy-900); }
.lang-switch button[aria-pressed="false"]:hover { color: var(--navy-900); }

.nav-toggle { display: none; align-items: center; justify-content: center; width: 44px; height: 44px; background: none; border: 1px solid var(--line); border-radius: var(--r-1); color: var(--navy-900); cursor: pointer; }

/* -------------------------------------------------------- mobile nav */
.nav-scrim { position: fixed; inset: 0; background: rgba(6,18,34,0.5); opacity: 0; visibility: hidden; transition: opacity var(--dur-base) var(--ease-out); z-index: 150; }
.nav-scrim.is-open { opacity: 1; visibility: visible; }
.mobile-nav {
  position: fixed; top: 0; right: 0; height: 100%; width: min(88vw, 360px);
  background: var(--paper); border-left: 1px solid var(--line); z-index: 160;
  padding: 88px var(--sp-6) var(--sp-8); transform: translateX(100%);
  transition: transform var(--dur-slow) var(--ease-out); overflow-y: auto;
}
.mobile-nav.is-open { transform: translateX(0); }
.m-link { display: block; padding: 14px 0; font-size: var(--fs-16); font-weight: 500; color: var(--ink); border-bottom: 1px solid var(--line); }
.m-link[aria-current="page"] { color: var(--petrol-700); }
.m-sep { height: var(--sp-6); }
.m-actions { display: grid; gap: var(--sp-3); }
.m-actions .lang-switch { justify-self: start; }

/* ------------------------------------------------------------- footer */
.site-footer { background: var(--navy-950); color: var(--ink-on-dark-2); padding-block: clamp(56px, 6vw, 88px) 0; }
.footer-top { display: grid; grid-template-columns: 1.6fr repeat(4, 1fr); gap: var(--sp-8) var(--sp-6); padding-bottom: var(--sp-12); border-bottom: 1px solid rgba(255,255,255,0.12); }
.footer-brand .brand-name { color: #fff; }
.footer-brand .brand-mark { color: #fff; }
.footer-brand p { margin-top: var(--sp-4); font-size: var(--fs-14); line-height: var(--lh-relaxed); max-width: 34ch; }
.footer-col h3 { font-family: var(--font-body); font-size: var(--fs-12); font-weight: 600; letter-spacing: var(--tracking-wide); text-transform: uppercase; color: #fff; margin-bottom: var(--sp-5); }
.footer-col ul { display: grid; gap: 12px; }
.footer-col a { font-size: var(--fs-14); color: var(--ink-on-dark-2); transition: color var(--dur-fast) var(--ease-out); }
.footer-col a:hover { color: #fff; }
.footer-col .ph { font-size: var(--fs-11); }

.footer-corporate { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: var(--sp-8); padding-block: var(--sp-10); border-bottom: 1px solid rgba(255,255,255,0.12); }
.footer-corporate dl { display: grid; grid-template-columns: minmax(140px, auto) 1fr; gap: 10px var(--sp-6); margin: 0; }
.footer-corporate dt { font-size: var(--fs-13); color: var(--ink-on-dark-3); }
.footer-corporate dd { margin: 0; font-size: var(--fs-13); color: var(--ink-on-dark-2); }

.footer-risk { padding-block: var(--sp-8); font-size: var(--fs-12); line-height: var(--lh-relaxed); color: var(--ink-on-dark-3); border-bottom: 1px solid rgba(255,255,255,0.12); max-width: 90ch; }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-4); padding-block: var(--sp-6); font-size: var(--fs-12); color: var(--ink-on-dark-3); }
.footer-bottom .lang-switch { border-color: rgba(255,255,255,0.2); }
.footer-bottom .lang-switch button { color: var(--ink-on-dark-3); }
.footer-bottom .lang-switch button[aria-pressed="true"] { background: #fff; color: var(--navy-950); }

.ph { color: var(--warning); font-style: normal; }

/* -------------------------------------------------------- cookie + modal */
.cookie-banner {
  position: fixed; left: var(--sp-6); right: var(--sp-6); bottom: var(--sp-6); z-index: 180;
  background: var(--paper); border: 1px solid var(--line); border-top: 3px solid var(--navy-900);
  box-shadow: 0 20px 50px rgba(6,18,34,0.16);
  padding: var(--sp-6); max-width: 1000px; margin-inline: auto;
  display: flex; flex-wrap: wrap; gap: var(--sp-6); align-items: center; justify-content: space-between;
}
.cookie-banner .c-title { font-family: var(--font-display); font-size: var(--fs-20); color: var(--navy-900); margin-bottom: var(--sp-2); }
.cookie-banner p { font-size: var(--fs-14); color: var(--ink-2); max-width: 60ch; }
.cookie-actions { display: flex; flex-wrap: wrap; gap: var(--sp-3); }

.modal-backdrop { position: fixed; inset: 0; z-index: 200; background: rgba(6,18,34,0.55); display: grid; place-items: center; padding: var(--sp-6); }
.modal-panel { background: var(--paper); width: min(100%, 620px); max-height: 88vh; overflow-y: auto; border-radius: var(--r-2); }
.modal-head { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-4); padding: var(--sp-6); border-bottom: 1px solid var(--line); }
.modal-head h2 { font-size: var(--fs-22); }
.modal-body { padding: var(--sp-6); }
.modal-foot { display: flex; justify-content: flex-end; gap: var(--sp-3); padding: var(--sp-6); border-top: 1px solid var(--line); }
.icon-btn { display: grid; place-items: center; width: 40px; height: 40px; background: none; border: 1px solid var(--line); border-radius: var(--r-1); cursor: pointer; color: var(--ink-2); }
.icon-btn:hover { color: var(--navy-900); border-color: var(--line-strong); }

.pref-row { display: flex; align-items: flex-start; justify-content: space-between; gap: var(--sp-6); padding-block: var(--sp-5); border-bottom: 1px solid var(--line); }
.pref-row h3 { font-family: var(--font-body); font-size: var(--fs-15,15px); font-weight: 600; color: var(--ink); }
.pref-row p { font-size: var(--fs-13); color: var(--ink-3); margin-top: 4px; max-width: 42ch; }
.switch { position: relative; flex: none; width: 46px; height: 26px; }
.switch input { position: absolute; opacity: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.switch .track { position: absolute; inset: 0; background: var(--ground-3); border-radius: var(--r-pill); transition: background-color var(--dur-fast) var(--ease-out); }
.switch .track::after { content: ""; position: absolute; top: 3px; left: 3px; width: 20px; height: 20px; background: #fff; border-radius: 50%; transition: transform var(--dur-fast) var(--ease-out); box-shadow: var(--shadow-1); }
.switch input:checked + .track { background: var(--petrol-600); }
.switch input:checked + .track::after { transform: translateX(20px); }
.switch input:focus-visible + .track { outline: 2px solid var(--focus-ring); outline-offset: 2px; }

/* ---------------------------------------------------- notices + badges */
.notice { display: flex; gap: var(--sp-3); padding: var(--sp-5) var(--sp-6); border: 1px solid var(--line); border-left: 3px solid var(--line-strong); background: var(--ground); font-size: var(--fs-14); line-height: var(--lh-relaxed); color: var(--ink-2); }
.notice .n-ic { flex: none; color: var(--ink-3); margin-top: 2px; }
.notice-info { border-left-color: var(--petrol-600); background: var(--petrol-50); }
.notice-info .n-ic { color: var(--petrol-700); }
.notice-warn { border-left-color: var(--warning); background: var(--warning-soft); }
.notice-warn .n-ic { color: var(--warning); }
.notice-success { border-left-color: var(--positive); background: var(--positive-soft); }
.notice-success .n-ic { color: var(--positive); }
.notice-error { border-left-color: var(--negative); background: var(--negative-soft); }
.notice-error .n-ic { color: var(--negative); }

.badge { display: inline-flex; align-items: center; gap: 6px; padding: 3px 10px; font-size: var(--fs-11); font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; border: 1px solid var(--line-strong); border-radius: var(--r-pill); color: var(--ink-2); background: var(--paper); }
.badge-pending { color: var(--warning); border-color: #e2d3ab; background: var(--warning-soft); }
.badge--on-dark { color: var(--ink-on-dark-2); border-color: rgba(255,255,255,0.25); background: transparent; }

/* ------------------------------------------------------------ forms */
.form-grid { display: grid; gap: var(--sp-6); }
.form-row { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: var(--sp-5); }
.field { display: grid; gap: 8px; }
.field label { font-size: var(--fs-13); font-weight: 600; color: var(--ink); }
.field .req { color: var(--negative); }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; font: inherit; font-size: var(--fs-15,15px); color: var(--ink);
  background: var(--paper); border: 1px solid var(--line-strong); border-radius: var(--r-1);
  transition: border-color var(--dur-fast) var(--ease-out);
}
.field textarea { min-height: 140px; resize: vertical; }
.field input:hover, .field select:hover, .field textarea:hover { border-color: var(--navy-500); }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--navy-900); outline: none; }
.field .hint { font-size: var(--fs-12); color: var(--ink-3); }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: var(--negative); }
.error { display: flex; align-items: center; gap: 6px; font-size: var(--fs-12); color: var(--negative); }
.error[hidden] { display: none; }
.checkbox-row { display: flex; align-items: flex-start; gap: 10px; }
.checkbox-row input { width: 18px; height: 18px; margin-top: 2px; flex: none; accent-color: var(--petrol-600); }
.checkbox-row label { font-size: var(--fs-14); font-weight: 400; color: var(--ink-2); }

.form-summary { margin-bottom: var(--sp-6); }
.form-summary ul { margin-top: var(--sp-3); display: grid; gap: 6px; padding-left: var(--sp-5); list-style: disc; }
.form-summary a { text-decoration: underline; text-underline-offset: 3px; }

.stepper { display: flex; flex-wrap: wrap; gap: var(--sp-6); margin-bottom: var(--sp-8); }
.step-chip { display: inline-flex; align-items: center; gap: 10px; font-size: var(--fs-13); color: var(--ink-3); }
.step-chip .n { display: grid; place-items: center; width: 26px; height: 26px; border: 1px solid var(--line-strong); border-radius: 50%; font-size: var(--fs-12); }
.step-chip[aria-current="step"] { color: var(--navy-900); font-weight: 600; }
.step-chip[aria-current="step"] .n { background: var(--navy-900); color: #fff; border-color: var(--navy-900); }

.review-list { display: grid; grid-template-columns: minmax(160px, auto) 1fr; gap: var(--sp-4) var(--sp-8); margin: 0; }
.review-list dt { font-size: var(--fs-13); color: var(--ink-3); }
.review-list dd { margin: 0; font-size: var(--fs-15,15px); color: var(--ink); }
@media (max-width: 560px) { .review-list { grid-template-columns: 1fr; gap: 2px; } .review-list dd { margin-bottom: var(--sp-4); } }

/* ------------------------------------------------------- tables (compare) */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); background: var(--paper); }
table.compare { width: 100%; border-collapse: collapse; min-width: 760px; }
table.compare caption { text-align: left; }
table.compare th, table.compare td { padding: 16px 20px; text-align: left; font-size: var(--fs-14); border-bottom: 1px solid var(--line); }
table.compare thead th { font-family: var(--font-display); font-size: var(--fs-16); font-weight: 600; color: var(--navy-900); border-bottom: 1px solid var(--line-strong); background: var(--ground); }
table.compare tbody th { font-weight: 500; color: var(--ink-2); }
table.compare tbody tr:last-child th, table.compare tbody tr:last-child td { border-bottom: 0; }
table.compare .pos { color: var(--positive); }
table.compare .muted-2 { color: var(--ink-3); }

/* --------------------------------------------------------- typography utils */
.muted { color: var(--ink-2); }
.muted-2 { color: var(--ink-3); }
.nowrap { white-space: nowrap; }
.mono { font-family: var(--font-mono); font-size: 0.92em; }
.lead { font-size: var(--fs-18); line-height: var(--lh-relaxed); color: var(--ink-2); }
.text-center { text-align: center; }

.mt-2 { margin-top: var(--sp-2); } .mt-3 { margin-top: var(--sp-3); } .mt-4 { margin-top: var(--sp-4); }
.mt-5 { margin-top: var(--sp-5); } .mt-6 { margin-top: var(--sp-6); } .mt-8 { margin-top: var(--sp-8); }
.mt-10 { margin-top: var(--sp-10); } .mt-12 { margin-top: var(--sp-12); }
.mb-3 { margin-bottom: var(--sp-3); } .mb-4 { margin-bottom: var(--sp-4); } .mb-6 { margin-bottom: var(--sp-6); } .mb-8 { margin-bottom: var(--sp-8); }

.flex-between { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-6); flex-wrap: wrap; }
.grid { display: grid; gap: var(--sp-8); }
.grid-2 { grid-template-columns: repeat(2, minmax(0,1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0,1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0,1fr)); }

.checks { display: grid; gap: 12px; }
.checks li { display: flex; align-items: flex-start; gap: 10px; font-size: var(--fs-15,15px); color: var(--ink-2); }
.checks .chk { flex: none; color: var(--petrol-700); margin-top: 2px; }

/* ============================ homepage sections ======================= */

/* hero */
.hero { position: relative; background: var(--navy-950); color: #fff; overflow: hidden; }
.hero-media { position: absolute; inset: 0; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; }
.hero-scrim { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(6,18,34,0.94) 0%, rgba(6,18,34,0.82) 42%, rgba(6,18,34,0.5) 100%); }
.hero-inner { position: relative; z-index: 1; padding-block: clamp(84px, 11vw, 168px); }
.hero-copy { max-width: 760px; }
.hero-title { color: #fff; margin-top: var(--sp-5); }
.hero-lead { margin-top: var(--sp-6); font-size: clamp(17px, 1.5vw, 21px); line-height: var(--lh-relaxed); color: var(--ink-on-dark-2); max-width: 60ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: var(--sp-4); margin-top: var(--sp-10); }
.hero-meta { position: relative; z-index: 1; display: flex; flex-wrap: wrap; gap: var(--sp-8) var(--sp-12); padding-block: var(--sp-6); border-top: 1px solid rgba(255,255,255,0.16); margin-top: clamp(48px, 6vw, 88px); }
.hero-meta span { font-size: var(--fs-13); letter-spacing: 0.04em; color: var(--ink-on-dark-2); }

/* statement */
.statement-inner { display: grid; grid-template-columns: minmax(160px, 240px) 1fr; gap: var(--sp-10); }
.statement-aside { display: grid; align-content: start; gap: var(--sp-3); }
.statement-aside .section-index { font-size: var(--fs-12); }
.statement-body h2 { max-width: 20ch; }
.statement-body .lede { margin-top: var(--sp-6); max-width: 62ch; }
.statement-body p + p { margin-top: var(--sp-4); }
.statement-body p:not(.lede) { color: var(--ink-2); max-width: 66ch; }

/* pillars */
.pillars { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 0; border-top: 1px solid var(--line); }
.pillar { padding: var(--sp-8) var(--sp-8) var(--sp-10) 0; border-bottom: 1px solid var(--line); }
.pillar:nth-child(3n+1), .pillar:nth-child(3n+2) { padding-right: var(--sp-8); }
.pillar:not(:nth-child(3n)) { border-right: 1px solid var(--line); padding-right: var(--sp-8); }
.pillar-num { display: block; font-family: var(--font-mono); font-size: var(--fs-12); letter-spacing: var(--tracking-wide); color: var(--petrol-700); margin-bottom: var(--sp-5); }
.pillar h3 { margin-bottom: var(--sp-3); }
.pillar p { font-size: var(--fs-15,15px); color: var(--ink-2); line-height: var(--lh-relaxed); }

/* image band */
.image-band { position: relative; overflow: hidden; background: var(--navy-950); }
.image-band-media { width: 100%; height: clamp(320px, 42vw, 520px); object-fit: cover; display: block; opacity: 0.5; }
.image-band-scrim { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(6,18,34,0.35), rgba(6,18,34,0.78)); }
.image-band-inner { position: absolute; inset: 0; display: flex; align-items: center; }
.image-band-quote { color: #fff; font-family: var(--font-display); font-size: clamp(22px, 2.6vw, 34px); line-height: 1.35; max-width: 26ch; }
.image-band-quote small { display: block; margin-top: var(--sp-5); font-family: var(--font-body); font-size: var(--fs-12); letter-spacing: var(--tracking-wide); text-transform: uppercase; color: var(--petrol-200); }

/* split */
.split-inner { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 80px); align-items: center; }
.split--reverse .split-media { order: 2; }
.split-media img { width: 100%; display: block; }
.split-body h2 { margin-top: var(--sp-4); }
.split-body .lede, .split-body p { margin-top: var(--sp-5); color: var(--ink-2); }
.split-body .checks { margin-top: var(--sp-8); }

/* tools */
.tools-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 0; border-top: 1px solid var(--line); }
.tool { padding: var(--sp-8) var(--sp-8) var(--sp-8) 0; border-bottom: 1px solid var(--line); }
.tool:not(:nth-child(3n)) { border-right: 1px solid var(--line); padding-right: var(--sp-8); }
.tool-ic { display: inline-grid; place-items: center; color: var(--petrol-700); margin-bottom: var(--sp-5); }
.tool h3 { margin-bottom: var(--sp-3); }
.tool p { font-size: var(--fs-15,15px); color: var(--ink-2); line-height: var(--lh-relaxed); }

/* markets list */
.market-list { border-top: 1px solid var(--line); }
.market-item { display: grid; grid-template-columns: 64px 1fr; gap: var(--sp-6); padding-block: var(--sp-8); border-bottom: 1px solid var(--line); }
.market-num { font-family: var(--font-mono); font-size: var(--fs-12); color: var(--ink-3); padding-top: 6px; }
.market-item h3 { margin-bottom: var(--sp-2); }
.market-item p { color: var(--ink-2); max-width: 74ch; }
.market-item .market-tags { margin-top: var(--sp-4); display: flex; flex-wrap: wrap; gap: var(--sp-2); }
.market-tag { font-size: var(--fs-12); color: var(--ink-2); border: 1px solid var(--line-strong); border-radius: var(--r-pill); padding: 3px 12px; }
.markets-figure { margin-top: clamp(40px, 5vw, 72px); }
.markets-figure img { width: 100%; display: block; }
.markets-figure figcaption { margin-top: var(--sp-4); font-size: var(--fs-12); color: var(--ink-3); }

/* accounts tiers */
.tiers { display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: 0; border-top: 1px solid var(--line); }
.tier { display: flex; flex-direction: column; padding: var(--sp-8) var(--sp-8) var(--sp-10) 0; border-bottom: 1px solid var(--line); }
.tier:not(:nth-child(4n)) { border-right: 1px solid var(--line); padding-right: var(--sp-8); }
.tier-name { font-family: var(--font-display); font-size: var(--fs-22); font-weight: 600; color: var(--navy-900); }
.tier-audience { margin-top: var(--sp-3); font-size: var(--fs-13); color: var(--ink-3); min-height: 3.2em; }
.tier-features { margin-top: var(--sp-6); display: grid; gap: 10px; flex: 1 1 auto; }
.tier-features li { display: flex; gap: 8px; font-size: var(--fs-13); color: var(--ink-2); align-items: flex-start; }
.tier-features .chk { flex: none; color: var(--petrol-700); margin-top: 2px; }
.tier .btn { margin-top: var(--sp-8); align-self: flex-start; }
.tier.is-featured { background: linear-gradient(180deg, var(--petrol-50), transparent 60%); }

/* platform */
.platform-inner { display: grid; grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr); gap: clamp(32px, 5vw, 72px); align-items: center; }
.platform-body h2 { margin-top: var(--sp-4); }
.platform-body p { margin-top: var(--sp-5); color: var(--ink-2); max-width: 58ch; }
.platform-mock { border: 1px solid var(--line-strong); background: var(--navy-900); overflow: hidden; }
.platform-mock svg { display: block; width: 100%; height: auto; }
.mock-caption { margin-top: var(--sp-4); font-size: var(--fs-12); color: var(--ink-3); }

/* why-us */
.why-list { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 0; border-top: 1px solid var(--line); }
.why-item { display: grid; grid-template-columns: 1fr; padding: var(--sp-8) var(--sp-8) var(--sp-8) 0; border-bottom: 1px solid var(--line); }
.why-item:not(:nth-child(2n)) { border-right: 1px solid var(--line); padding-right: var(--sp-8); }
.why-item h3 { margin-bottom: var(--sp-3); }
.why-item p { color: var(--ink-2); font-size: var(--fs-15,15px); line-height: var(--lh-relaxed); }

/* about */
.about-principles { display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: 0; border-top: 1px solid var(--line); }
.principle { padding: var(--sp-8) var(--sp-8) var(--sp-8) 0; border-bottom: 1px solid var(--line); }
.principle:not(:nth-child(4n)) { border-right: 1px solid var(--line); padding-right: var(--sp-8); }
.principle h3 { margin-bottom: var(--sp-3); }
.principle p { font-size: var(--fs-14); color: var(--ink-2); line-height: var(--lh-relaxed); }
.commitments { display: grid; gap: var(--sp-8); }
.commitment { padding-bottom: var(--sp-8); border-bottom: 1px solid var(--line); }
.commitment:last-child { border-bottom: 0; }
.commitment h3 { margin-bottom: var(--sp-3); }
.commitment p { color: var(--ink-2); max-width: 74ch; }

/* corporate block */
.corporate-card { border: 1px solid var(--line); background: var(--paper); padding: var(--sp-8); }
.corporate-card dl { display: grid; grid-template-columns: minmax(180px, auto) 1fr; gap: var(--sp-4) var(--sp-8); margin: 0; }

/* insights */
.topic-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 0; border-top: 1px solid var(--line); }
.topic { padding: var(--sp-8) var(--sp-8) var(--sp-8) 0; border-bottom: 1px solid var(--line); }
.topic:not(:nth-child(2n)) { border-right: 1px solid var(--line); padding-right: var(--sp-8); }
.topic h3 { margin-bottom: var(--sp-3); }
.topic p { color: var(--ink-2); font-size: var(--fs-15,15px); }

/* cta band */
.cta-band { background: var(--navy-900); color: #fff; }
.cta-band h2 { color: #fff; }
.cta-band p { color: var(--ink-on-dark-2); margin-top: var(--sp-4); max-width: 52ch; }
.cta-band .cta-actions { display: flex; flex-wrap: wrap; gap: var(--sp-4); margin-top: var(--sp-8); }

/* contact */
.contact-inner { display: grid; grid-template-columns: minmax(0,1.15fr) minmax(0,0.85fr); gap: clamp(32px, 5vw, 72px); align-items: start; }
.channel-list { display: grid; gap: var(--sp-6); }
.channel { display: flex; gap: var(--sp-4); align-items: flex-start; }
.channel-ic { flex: none; display: grid; place-items: center; width: 40px; height: 40px; border: 1px solid var(--line-strong); color: var(--petrol-700); }
.channel strong { display: block; font-size: var(--fs-14); color: var(--ink); }
.channel span.ph { font-size: var(--fs-13); }

/* login gateway */
.login-inner { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: clamp(32px, 5vw, 64px); align-items: start; }
.how-list { display: grid; gap: var(--sp-5); }
.how-list li { display: flex; gap: var(--sp-4); align-items: flex-start; }
.step-chip-inline { flex: none; display: grid; place-items: center; width: 30px; height: 30px; border: 1px solid var(--navy-900); border-radius: 50%; font-family: var(--font-mono); font-size: var(--fs-13); color: var(--navy-900); }

/* legal pages */
.legal-hero { background: var(--navy-900); color: #fff; padding-block: clamp(56px, 6vw, 92px); }
.legal-hero h1 { color: #fff; margin-top: var(--sp-5); max-width: 22ch; }
.legal-hero p { color: var(--ink-on-dark-2); margin-top: var(--sp-5); max-width: 68ch; }
.legal-nav { display: flex; flex-wrap: wrap; gap: var(--sp-3); }
.legal-layout { display: grid; grid-template-columns: minmax(200px, 260px) 1fr; gap: clamp(32px, 5vw, 72px); align-items: start; }
.legal-toc { position: sticky; top: calc(var(--header-h) + 24px); border-top: 1px solid var(--line); }
.legal-toc h2 { font-family: var(--font-body); font-size: var(--fs-12); letter-spacing: var(--tracking-wide); text-transform: uppercase; color: var(--ink-3); padding-block: var(--sp-5) var(--sp-3); }
.legal-toc a { display: block; padding: 9px 0; font-size: var(--fs-14); color: var(--ink-2); border-bottom: 1px solid var(--line); }
.legal-toc a:hover { color: var(--navy-900); }
.legal-doc { border-top: 1px solid var(--line); padding-top: var(--sp-8); }
.legal-meta { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-5); flex-wrap: wrap; margin-bottom: var(--sp-6); }
.legal-meta .lm-dates { font-size: var(--fs-13); color: var(--ink-3); }
.legal-doc h2 { margin-top: var(--sp-10); padding-top: var(--sp-5); font-size: var(--fs-26); }
.legal-doc h2:first-of-type { margin-top: 0; }

/* reveal (motion is optional and disabled for reduced motion) */
.reveal { opacity: 0; transform: translateY(14px); transition: opacity var(--dur-slow) var(--ease-out), transform var(--dur-slow) var(--ease-out); }
.reveal.is-visible { opacity: 1; transform: none; }

/* ================================ responsive ========================== */
@media (max-width: 1080px) {
  .footer-top { grid-template-columns: 1fr 1fr 1fr; }
  .statement-inner { grid-template-columns: 1fr; gap: var(--sp-6); }
  .platform-inner { grid-template-columns: 1fr; }
  .tiers { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .tier:nth-child(2n) { border-right: 0; padding-right: 0; }
  .tier:not(:nth-child(2n)) { border-right: 1px solid var(--line); }
  .about-principles { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .principle:nth-child(2n) { border-right: 0; }
  .principle:not(:nth-child(2n)) { border-right: 1px solid var(--line); }
  .pillars { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .pillar:nth-child(3n) { border-right: 1px solid var(--line); }
  .pillar:nth-child(2n) { border-right: 0; }
  .tools-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .tool:nth-child(3n) { border-right: 1px solid var(--line); }
  .tool:nth-child(2n) { border-right: 0; }
}

@media (max-width: 860px) {
  .main-nav { display: none; }
  .nav-toggle { display: inline-flex; }
  .header-actions .btn--ghost, .header-actions .lang-switch { display: none; }
  .split-inner { grid-template-columns: 1fr; }
  .split--reverse .split-media { order: 0; }
  .contact-inner, .login-inner { grid-template-columns: 1fr; }
  .legal-layout { grid-template-columns: 1fr; }
  .legal-toc { position: static; }
  .markets-figure { margin-top: var(--sp-8); }
}

@media (max-width: 640px) {
  .form-row { grid-template-columns: 1fr; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .pillars, .tools-grid, .tiers, .about-principles, .why-list, .topic-grid { grid-template-columns: 1fr; }
  .pillar, .tool, .tier, .principle, .why-item, .topic { border-right: 0 !important; padding-right: 0; }
  .market-item { grid-template-columns: 1fr; gap: var(--sp-3); }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-corporate { grid-template-columns: 1fr; }
  .corporate-card dl { grid-template-columns: 1fr; gap: 2px; }
  .corporate-card dd { margin-bottom: var(--sp-4); }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { width: 100%; }
  .cookie-banner { left: var(--sp-4); right: var(--sp-4); bottom: var(--sp-4); }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
  .reveal { opacity: 1; transform: none; }
}