@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,700;0,900;1,700&family=Cormorant+Garamond:ital,wght@0,300;0,400;1,300;1,400&family=Cinzel:wght@400;600;700&family=EB+Garamond:ital,wght@0,400;0,500;1,400&display=swap');

/* ─────────────────────────────────────────
   COLOUR TOKENS  —  edit only this block to retheme
   
   BLUES (backgrounds, structure)
     --ice        lightest page bg
     --ice2       section alternates
     --ice3       deeper ice, separators
     --ocean      mid blue, icons, borders
     --navy       dark blue headings
     --navy-deep  stats bg, footer bg

   ACCENT (amber-orange — buttons, glows, highlights)
     --acc        primary accent
     --acc2       hover / darker
     --acc-glow   glow shadow (semi-transparent)
     --acc-pale   very light tint

   TEXT
     --fg         primary (dark navy)
     --fg2        secondary
     --fg-light   text on dark bg
     --fg-muted   muted on dark bg
   ───────────────────────────────────────── */
:root {
  --ice:       #f0faff;
  --ice2:      #e1f4fd;
  --ice3:      #bde6f7;
  --ocean:     #2d7fc1;
  --navy:      #0d2d52;
  --navy-deep: #071828;

  --acc:       #e8882a;
  --acc2:      #c96e18;
  --acc-glow:  rgba(232,136,42,.42);
  --acc-pale:  rgba(232,136,42,.09);

  --fg:        #0d2040;
  --fg2:       #1a3a5c;
  --fg-light:  #e8f4fd;
  --fg-muted:  rgba(200,228,248,.6);

  --border:    rgba(45,127,193,.13);
  --border2:   rgba(45,127,193,.35);
  --card:      rgba(255,255,255,.78);
  --card2:     rgba(255,255,255,.93);
  --shadow:    rgba(7,24,40,.10);

  --radius: 16px;
  --ease:   cubic-bezier(.16,1,.3,1);

  --font-brand: 'Cinzel', serif;
  --font-head:  'Playfair Display', serif;
  --font-sub:   'Cormorant Garamond Bold', serif;
  --font-body:  'Jost', sans-serif;

  /* legacy aliases */
  --gold:      var(--acc);
  --gold2:     var(--acc2);
  --gold-pale: var(--acc-pale);
  --bg:        var(--ice);
  --bg2:       var(--ice2);
  --bg3:       var(--ice3);
}

#hero,#services,#about,#team,#contact { scroll-margin-top: 60px; }

*,*::before,*::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; }
body { background:var(--ice); color:var(--fg); font-family:var(--font-body); overflow-x:hidden; }
a { text-decoration:none; color:inherit; cursor:pointer; }
ul { list-style:none; }
button { font-family:var(--font-body); cursor:pointer; }
img { display:block; }
*,*:hover { cursor:auto; }
a:hover,button:hover,[role="button"]:hover { cursor:pointer; }

/* ─── BACKGROUND TREE LOGO ─── */
#tree-bg { position:fixed; inset:0; z-index:0; pointer-events:none; display:flex; align-items:center; justify-content:center; }
.tree-logo-bg {
  width:min(62vw,620px); height:min(60vw,620px);
  background-image:url('../images/IFS_Logo_transparent.png');
  background-size:contain; background-repeat:no-repeat; background-position:center;
  opacity:.07; filter:grayscale(100%); margin-top:8vh;
}
#bg-canvas { position:fixed; inset:0; z-index:0; pointer-events:none; }

/* ─── NAV ─── */
nav#navbar {
  position:fixed; top:0; left:0; right:0; z-index:100;
  display:flex; align-items:center; justify-content:space-between;
  padding:.9rem 5%; background:transparent; backdrop-filter:blur(0);
  border-bottom:1px solid transparent; transition:all .4s;
}
nav#navbar.scrolled {
  background:rgba(240,250,255,.95); backdrop-filter:blur(24px);
  border-color:var(--border); box-shadow:0 2px 24px rgba(7,24,40,.06);
}
.nav-left { display:flex; align-items:center; gap:.9rem; }
.nav-logo { display:flex; align-items:center; gap:.55rem; cursor:pointer; }
.nav-logo img { height:60px; width:60px; object-fit:contain; }
.nav-logo-text { font-family:'Times New Roman',Times,Georgia,serif; font-size:2.45rem; font-weight:700; color:var(--fg); letter-spacing:.08em; }
.nav-badge {
  display:flex; align-items:center; gap:.45rem;
  font-size:.6rem; font-weight:400; letter-spacing:.12em; text-transform:uppercase;
  color:var(--ocean); background:rgba(45,127,193,.08); border:1px solid var(--border2);
  padding:.28rem .8rem; border-radius:2rem; font-family:var(--font-body);
}
.nav-dot { width:5px; height:5px; border-radius:50%; background:var(--acc); animation:pulse 2s infinite; flex-shrink:0; }
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.35;transform:scale(1.7)} }

.nav-links { display:flex; align-items:center; gap:1.8rem; margin-left:auto; }
.nav-links a {
  font-size:.72rem; font-weight:400; letter-spacing:.12em; text-transform:uppercase;
  color:var(--fg2); transition:color .3s; position:relative; white-space:nowrap;
  font-family:'EB Garamond',serif;
}
.nav-links a::after { content:''; position:absolute; bottom:-4px; left:0; width:0; height:1px; background:var(--acc); transition:width .3s; }
.nav-links a:hover { color:var(--acc); }
.nav-links a:hover::after { width:100%; }
.nav-cta { background:var(--acc) !important; color:#fff !important; padding:.44rem 1.1rem; border-radius:2rem; font-weight:500 !important; letter-spacing:.08em !important; transition:all .3s !important; box-shadow:0 2px 12px var(--acc-glow); }
.nav-cta::after { display:none !important; }
.nav-cta:hover { background:var(--acc2) !important; box-shadow:0 4px 20px var(--acc-glow) !important; }

.hamburger { display:none; flex-direction:column; gap:5px; background:transparent; border:none; padding:4px; cursor:pointer; }
.hamburger span { display:block; width:22px; height:1.5px; background:var(--fg); border-radius:2px; transition:all .3s; }
.hamburger.active span:nth-child(1) { transform:translateY(6.5px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity:0; }
.hamburger.active span:nth-child(3) { transform:translateY(-6.5px) rotate(-45deg); }

.mob-overlay { position:fixed; inset:0; z-index:150; background:var(--ice); display:flex; flex-direction:column; align-items:center; justify-content:center; gap:2.2rem; transform:translateX(100%); transition:transform .42s var(--ease); }
.mob-overlay.open { transform:none; }
.mob-close { position:absolute; top:1.5rem; right:1.5rem; background:transparent; border:none; font-size:1.3rem; color:var(--fg2); cursor:pointer; }
.mob-nav { display:flex; flex-direction:column; align-items:center; gap:1.8rem; }
.mob-nav a { font-family:var(--font-sub); font-size:2rem; font-weight:300; color:var(--fg); transition:color .3s; letter-spacing:.06em; }
.mob-nav a:hover { color:var(--acc); }
.mob-cta { font-family:var(--font-body) !important; font-size:.8rem !important; background:var(--acc); color:#fff !important; padding:.7rem 2rem; border-radius:3rem; font-weight:500 !important; letter-spacing:.1em; text-transform:uppercase; }

/* ─── BUTTONS ─── */
.btn-gold {
  display:inline-block; background:var(--acc); color:#fff;
  padding:.88rem 2.2rem; border-radius:3rem;
  font-size:.82rem; font-weight:500; letter-spacing:.1em; text-transform:uppercase;
  transition:all .3s; position:relative; overflow:hidden; cursor:pointer;
  font-family:'EB Garamond',serif; box-shadow:0 4px 20px var(--acc-glow);
}
.btn-gold::before { content:''; position:absolute; inset:0; background:linear-gradient(90deg,transparent,rgba(255,255,255,.18),transparent); transform:translateX(-100%); transition:transform .6s; }
.btn-gold:hover::before { transform:translateX(100%); }
.btn-gold:hover { transform:translateY(-3px); box-shadow:0 16px 36px var(--acc-glow); background:var(--acc2); }
.btn-ghost { display:inline-block; background:transparent; color:var(--fg); border:1px solid var(--border2); padding:.88rem 2.2rem; border-radius:3rem; font-size:.82rem; font-weight:400; letter-spacing:.1em; text-transform:uppercase; transition:all .3s; cursor:pointer; font-family:'EB Garamond',serif; }
.btn-ghost:hover { border-color:var(--acc); color:var(--acc); transform:translateY(-3px); }

/* ─── REVEAL ─── */
.reveal { opacity:0; transform:translateY(28px); transition:opacity .82s var(--ease),transform .82s var(--ease); }
.reveal.visible { opacity:1; transform:none; }
.reveal-d1 { transition-delay:.1s; }
.reveal-d2 { transition-delay:.2s; }
.reveal-d3 { transition-delay:.3s; }
.reveal-d4 { transition-delay:.4s; }

/* ─── SECTION COMMON ─── */
section { position:relative; z-index:1; }
.eyebrow { font-family:var(--font-body); font-size:.68rem; font-weight:600; letter-spacing:.22em; text-transform:uppercase; color:var(--acc); margin-bottom:.75rem; }
.s-title { font-family:var(--font-head); font-size:clamp(1.85rem,3.6vw,3rem); font-weight:700; line-height:1.18; color:var(--fg); }
.s-sub { color:var(--fg2); font-size:.96rem; line-height:1.75; font-weight:400; max-width:520px; }
.s-head { text-align:center; margin-bottom:3rem; }
.s-head .s-sub { margin:.85rem auto 0; }

/* ═══════════ HERO ═══════════ */
#hero {
  position:relative; z-index:1; min-height:100vh;
  display:flex; flex-direction:column; align-items:center; justify-content:center;
  padding:100px 5% 5rem; text-align:center; overflow:hidden;
}
#hero::before {
  content:''; position:absolute; inset:0; z-index:0; pointer-events:none;
  background:radial-gradient(ellipse 80% 60% at 50% 38%, rgba(45,127,193,.09) 0%, transparent 70%);
}
.hero-chips { position:absolute; inset:0; pointer-events:none; z-index:0; }
.chip {
  position:absolute; font-family:var(--font-body);
  font-size:.68rem; font-weight:500; letter-spacing:.1em; text-transform:uppercase;
  color:var(--ocean); background:rgba(45,127,193,.07); border:1px solid var(--border2);
  padding:.32rem .85rem; border-radius:2rem; white-space:nowrap;
  animation:chipFloat 7s ease-in-out infinite; opacity:.85;
}
.chip-1{top:16%;left:7%;animation-delay:0s;animation-duration:8s}
.chip-2{top:28%;left:3%;animation-delay:1.2s;animation-duration:6.5s}
.chip-3{top:62%;left:5%;animation-delay:0.6s;animation-duration:7.5s}
.chip-4{top:76%;left:9%;animation-delay:2s;animation-duration:9s}
.chip-5{top:14%;right:6%;animation-delay:0.4s;animation-duration:7s}
.chip-6{top:34%;right:3%;animation-delay:1.8s;animation-duration:8.5s}
.chip-7{top:60%;right:5%;animation-delay:0.9s;animation-duration:6s}
.chip-8{top:78%;right:8%;animation-delay:1.5s;animation-duration:9.5s}
@keyframes chipFloat { 0%,100%{transform:translateY(0);opacity:.75} 50%{transform:translateY(-10px);opacity:1} }

.hero-wordmark { display:flex; flex-direction:column; align-items:center; gap:.06em; margin-bottom:1rem; animation:fadeUp 1s .1s var(--ease) both; line-height:1; position:relative; z-index:1; }
.wm-inform,.wm-financial,.wm-services { font-family:var(--font-brand); font-weight:700; letter-spacing:.22em; line-height:1.05; font-size:clamp(1.6rem,5vw,4.2rem); color:var(--fg); display:block; }
.wm-financial { color:var(--acc); }
.wm-services  { color:var(--fg2); }

.hero-tagline { font-family:'Times New Roman',Times,Georgia,serif; font-size:clamp(.72rem,1.3vw,.96rem); font-style:italic; font-weight:700; color:var(--ocean); letter-spacing:.18em; text-transform:uppercase; margin-bottom:.45rem; animation:fadeUp 1s .22s var(--ease) both; position:relative; z-index:1; }
.hero-tagline-line { width:38px; height:1.5px; background:var(--acc); margin:0 auto 1.15rem; opacity:.6; animation:fadeUp 1s .26s var(--ease) both; position:relative; z-index:1; }
.hero-sub { font-family:var(--font-sub); font-size:clamp(1rem,2vw,1.4rem); font-style:italic; color:var(--fg); font-weight:300; margin-bottom:.9rem; line-height:1.6; animation:fadeUp 1s .28s var(--ease) both; position:relative; z-index:1; }
.hero-about-line { font-family:var(--font-body); font-size:clamp(.84rem,1.3vw,1rem); color:var(--fg2); font-weight:400; line-height:1.75; max-width:560px; margin:0 auto 2rem; animation:fadeUp 1s .38s var(--ease) both; position:relative; z-index:1; }
.hero-actions { display:flex; gap:1rem; flex-wrap:wrap; justify-content:center; animation:fadeUp 1s .5s var(--ease) both; position:relative; z-index:1; }
@keyframes fadeUp  { from{opacity:0;transform:translateY(38px)} to{opacity:1;transform:none} }
@keyframes fadeIn  { from{opacity:0} to{opacity:1} }

/* ═══════════ NUMBERS ═══════════
   Dark bg so the amber glow pops.
   Glow colour → change --acc and --acc-glow in :root
   ══════════════════════════════ */
#numbers {
  padding:3.5rem 5%; position:relative; z-index:1;
  background:#0e2a45;
  box-shadow:inset 0 1px 0 rgba(45,127,193,.18), inset 0 -1px 0 rgba(45,127,193,.10);
}
#numbers::before {
  content:''; position:absolute; inset:0; pointer-events:none;
  background:repeating-linear-gradient(135deg,rgba(45,127,193,.025) 0,rgba(45,127,193,.025) 1px,transparent 1px,transparent 28px);
}
.num-track { display:flex; align-items:center; justify-content:center; max-width:980px; margin:0 auto; position:relative; z-index:1; }
.num-item { flex:1; text-align:center; padding:1.8rem 1rem; }
.num-sep { width:1px; height:52px; background:rgba(45,127,193,.22); flex-shrink:0; }
/* ↓ Glow lives here. Change text-shadow colours to shift the glow tint */
.num-big {
  font-family:var(--font-head); font-size:clamp(2.4rem,4.5vw,3.8rem); font-weight:700;
  color:var(--acc); line-height:1;
  text-shadow: 0 0 14px var(--acc-glow), 0 0 44px rgba(232,136,42,.20);
  transition:text-shadow .4s;
}
.num-item:hover .num-big {
  text-shadow: 0 0 8px rgba(232,136,42,.95), 0 0 28px var(--acc-glow), 0 0 64px rgba(232,136,42,.18);
}
.num-big sup { font-size:.4em; vertical-align:super; }
.num-cap { font-size:.74rem; font-weight:400; letter-spacing:.12em; text-transform:uppercase; color:rgba(180,220,248,.62); margin-top:.55rem; }

/* ═══════════ SERVICES ═══════════ */
#services { padding:3.5rem 5%; position:relative; z-index:1; background:#d4edf9; }
.svc-grid { display:grid; grid-template-columns:repeat(2,1fr); gap:1.2rem; max-width:960px; margin:0 auto; }
.svc-card { background:#0e2a45; border:1px solid rgba(45,127,193,.25); border-radius:var(--radius); padding:2rem; position:relative; overflow:hidden; display:flex; flex-direction:column; color:var(--fg-light); }
.svc-live { transition:all .4s var(--ease); }
.svc-live::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse at 50% 0%,rgba(232,136,42,.055),transparent 68%); opacity:0; transition:opacity .4s; pointer-events:none; }
.svc-live:hover::before { opacity:1; }
.svc-live:hover { transform:translateY(-9px) scale(1.01); border-color:rgba(232,136,42,.32); box-shadow:0 26px 56px var(--shadow),0 0 0 1px rgba(232,136,42,.07),0 0 32px rgba(232,136,42,.05); }
.svc-featured { border-color:var(--border2); }
.svc-no { font-family:var(--font-sub); font-size:3.2rem; font-weight:300; color:rgba(45,127,193,.18); position:absolute; bottom:.8rem; right:1rem; line-height:1; pointer-events:none; }
.svc-badge { position:absolute; top:2rem; right:1rem; font-size:.59rem; font-weight:600; letter-spacing:.14em; text-transform:uppercase; background:var(--acc); color:#fff; padding:.16rem .5rem; border-radius:2rem; z-index:2; }
/* Icon boxes use ocean blue for a second hue beside the amber accent */
.svc-ico { width:40px; height:40px; background:rgba(45,127,193,.20); border:1px solid rgba(45,127,193,.40); border-radius:10px; display:flex; align-items:center; justify-content:center; color:#7ec8f0; margin-bottom:1.1rem; transition:all .3s; flex-shrink:0; }
.svc-ico svg { width:19px; height:19px; }
.svc-live:hover .svc-ico { transform:rotate(5deg) scale(1.1); background:rgba(232,136,42,.11); border-color:rgba(232,136,42,.3); color:var(--acc); }
.svc-card h3 { font-family:var(--font-sub); font-size:1.3rem; font-weight:700; letter-spacing:.02em; margin-bottom:.55rem; color:#e8f4ff; }
.svc-card p { font-size:.92rem; color:rgba(180,220,248,.78); line-height:1.74; flex:1; font-weight:400; }
.svc-cta { display:inline-block; margin-top:1.2rem; font-size:.74rem; font-weight:600; letter-spacing:.08em; text-transform:uppercase; color:var(--acc); transition:all .3s; cursor:pointer; font-family:'EB Garamond',serif; }
.svc-live:hover .svc-cta { letter-spacing:.14em; }
/* AMFI badge */
.amfi-badge { display:inline-flex; align-items:center; gap:.4rem; margin-top:.75rem; font-size:.62rem; font-weight:600; letter-spacing:.1em; text-transform:uppercase; background:rgba(45,127,193,.18); border:1px solid rgba(45,127,193,.40); color:#7ec8f0; padding:.22rem .7rem; border-radius:2rem; }
.amfi-badge svg { width:11px; height:11px; flex-shrink:0; }

/* ═══════════ ABOUT ═══════════ */
#about { padding:3.5rem 5%; position:relative; z-index:1; background:#c8e8f8; }
.about-wrap { max-width:1060px; margin:0 auto; display:grid; grid-template-columns:1fr 1fr; gap:4.5rem; align-items:center; }
.about-l .eyebrow { margin-bottom:.75rem; }
.about-l .s-title { margin-bottom:1.4rem; }
.about-l p { font-size:.95rem; color:var(--fg2); line-height:1.88; margin-bottom:.95rem; font-weight:400; }
.pull-quote { font-family:var(--font-sub); font-size:1.35rem; font-style:italic; color:var(--acc); border-left:2px solid rgba(232,136,42,.42); padding-left:1.1rem; margin:1.8rem 0; line-height:1.4; }
.chk-list { list-style:none; display:flex; flex-direction:column; gap:.65rem; margin-top:1rem; }
.chk-list li { display:flex; align-items:center; gap:.7rem; font-size:.92rem; color:var(--fg2); font-weight:400; }
.chk { width:17px; height:17px; border-radius:50%; background:rgba(232,136,42,.09); border:1px solid rgba(232,136,42,.38); display:flex; align-items:center; justify-content:center; font-size:.52rem; color:var(--acc); flex-shrink:0; }
.cred-circles-area { position:relative; width:100%; height:420px; }
.cred-circle { position:absolute; border-radius:50%; background:var(--card2); border:1.5px solid var(--border2); display:flex; flex-direction:column; align-items:center; justify-content:center; text-align:center; animation:credFloat 6s ease-in-out infinite; box-shadow:0 8px 32px var(--shadow); transition:all .3s; padding:1.2rem; cursor:default; }
.cred-circle:hover { border-color:var(--acc); box-shadow:0 12px 40px rgba(232,136,42,.13); transform:scale(1.07); z-index:2; }
.cc-1{width:130px;height:130px;top:10%;left:5%;animation-delay:0s}
.cc-2{width:150px;height:150px;top:5%;right:8%;animation-delay:1.4s;animation-duration:7s}
.cc-3{width:140px;height:140px;bottom:15%;left:20%;animation-delay:0.7s;animation-duration:6.5s}
.cc-4{width:155px;height:155px;bottom:10%;right:5%;animation-delay:2s;animation-duration:8s}
@keyframes credFloat { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-14px)} }
.cred-big { font-family:var(--font-sub); font-size:1.15rem; font-weight:700; color:var(--ocean); letter-spacing:.04em; line-height:1.2; }
.cred-sm  { font-size:.58rem; font-weight:500; color:var(--fg); text-transform:uppercase; letter-spacing:.1em; margin-top:.3rem; }

/* ═══════════ TEAM ═══════════ */
#team { padding:3.5rem 5%; position:relative; z-index:1; background:#daf0fb; }
.team-grid { display:grid; grid-template-columns:1fr 1fr; gap:1.6rem; max-width:900px; margin:0 auto; }
.team-card { background:rgba(255,255,255,.82); border:1px solid rgba(45,127,193,.18); border-radius:var(--radius); padding:2.2rem; transition:all .3s; }
.team-card:hover { border-color:rgba(232,136,42,.28); transform:translateY(-5px); box-shadow:0 18px 44px var(--shadow),0 0 24px rgba(232,136,42,.05); }
.t-photo { width:160px; height:160px; border-radius:50%; border:2px solid var(--border2); margin:0 auto 1.4rem; overflow:hidden; background:rgba(45,127,193,.07); display:flex; align-items:center; justify-content:center; position:relative; }
.t-photo img { width:100%; height:100%; object-fit:cover; border-radius:50%; }
.t-photo-placeholder { width:60px; height:60px; color:var(--ocean); position:absolute; }
.t-photo.t-photo-fallback .t-photo-placeholder { display:block; }
.t-photo img + .t-photo-placeholder { display:none; }
.t-photo.t-photo-fallback img { display:none; }
.team-card h3 { font-family:var(--font-sub); font-size:1.3rem; font-weight:700; margin-bottom:.15rem; color:var(--fg); text-align:center; }
.t-role { font-size:.66rem; font-weight:600; letter-spacing:.14em; text-transform:uppercase; color:var(--acc); margin-bottom:.9rem; text-align:center; }
.team-card p { font-size:.92rem; color:var(--fg2); line-height:1.78; margin-bottom:.65rem; font-weight:400; }
.cert-row { display:flex; flex-wrap:wrap; gap:.38rem; margin-top:.9rem; }
.cert-tag { font-size:.62rem; font-weight:500; letter-spacing:.08em; text-transform:uppercase; background:rgba(45,127,193,.08); border:1px solid rgba(45,127,193,.24); color:var(--ocean); padding:.18rem .55rem; border-radius:2rem; }

/* ═══════════ CONTACT ═══════════ */
#contact { padding:3.5rem 5%; position:relative; z-index:1; background:#c8e8f8; }
.contact-wrap { max-width:1060px; margin:0 auto; display:grid; grid-template-columns:1fr 1.28fr; gap:3.5rem; align-items:start; }
.contact-l .eyebrow { margin-bottom:.75rem; }
.contact-l .s-title { margin-bottom:1.1rem; }
.contact-l > p { font-size:.95rem; color:var(--fg2); line-height:1.8; margin-bottom:1.8rem; font-weight:400; }
.cinfo { display:flex; flex-direction:column; gap:1.2rem; }
.cinfo-row { display:flex; align-items:flex-start; gap:.9rem; transition:all .3s; }
.cinfo-row:hover .cinfo-ic { background:rgba(232,136,42,.11); border-color:rgba(232,136,42,.35); transform:scale(1.08); color:var(--acc); }
.cinfo-ic { width:38px; height:38px; min-width:38px; background:rgba(45,127,193,.09); border:1px solid var(--border2); border-radius:9px; display:flex; align-items:center; justify-content:center; color:var(--ocean); transition:all .3s; }
.cinfo-ic svg { width:15px; height:15px; }
.ci-lbl { font-size:.64rem; font-weight:600; letter-spacing:.1em; text-transform:uppercase; color:var(--fg2); margin-bottom:.18rem; }
.ci-val { font-size:.95rem; color:var(--fg); font-weight:400; }
.contact-r { background:#1a3d63; border:1px solid rgba(45,127,193,.35); border-radius:var(--radius); padding:2.3rem; }
.field { margin-bottom:.95rem; }
.field label { display:block; font-size:.66rem; font-weight:600; letter-spacing:.1em; text-transform:uppercase; color:rgba(180,220,248,.85); margin-bottom:.4rem; }
.field input,.field textarea,.field select { width:100%; background:rgba(255,255,255,.08); border:1px solid rgba(45,127,193,.35); border-radius:8px; padding:.75rem .95rem; color:#e8f4ff; font-family:var(--font-body); font-size:.92rem; outline:none; transition:all .3s; -webkit-appearance:none; font-weight:400; }
.field select option { background:#1a3d63; color:#e8f4ff; }
.field input:focus,.field textarea:focus,.field select:focus { border-color:rgba(232,136,42,.48); box-shadow:0 0 0 3px rgba(232,136,42,.07); }
.field textarea { resize:vertical; min-height:90px; }
.field-row { display:grid; grid-template-columns:1fr 1fr; gap:.9rem; }
.form-btn { width:100%; background:var(--acc); color:#fff; border:none; padding:.9rem; border-radius:10px; font-size:.84rem; font-weight:600; letter-spacing:.1em; text-transform:uppercase; transition:all .3s; margin-top:.4rem; position:relative; overflow:hidden; cursor:pointer; font-family:'EB Garamond',serif; box-shadow:0 4px 18px var(--acc-glow); }
.form-btn::after { content:''; position:absolute; inset:0; background:linear-gradient(90deg,transparent,rgba(255,255,255,.15),transparent); transform:translateX(-100%); transition:transform .6s; }
.form-btn:hover::after { transform:translateX(100%); }
.form-btn:hover { background:var(--acc2); transform:translateY(-2px); box-shadow:0 12px 30px var(--acc-glow); }

/* ═══════════ FOOTER ═══════════
   Dark navy so legal content feels distinct and authoritative.
   All compliance text is in .foot-compliance and .foot-risk.
   ══════════════════════════════ */
footer { position:relative; z-index:1; background:var(--navy-deep); border-top:1px solid rgba(45,127,193,.18); color:var(--fg-light); padding:3.5rem 5% 2rem; }

.foot-top { display:grid; grid-template-columns:auto 1fr auto; gap:2rem; align-items:start; margin-bottom:2.5rem; padding-bottom:2rem; border-bottom:1px solid rgba(45,127,193,.14); }
.foot-brand { display:flex; align-items:center; gap:.9rem; }
.foot-tree-logo { height:48px; width:48px; object-fit:contain; opacity:.5; }
.foot-wordmark { font-family:'Times New Roman',Times,Georgia,serif; font-size:1.9rem; font-weight:700; color:var(--acc); letter-spacing:.06em; }
.foot-sub { font-size:.72rem; color:var(--fg-muted); line-height:1.55; font-family:'EB Garamond',serif; }
.foot-nav { display:flex; gap:1.8rem; justify-content:center; align-self:center; }
.foot-nav a { font-size:.7rem; font-weight:400; letter-spacing:.1em; text-transform:uppercase; color:var(--fg-muted); transition:color .3s; font-family:'EB Garamond',serif; }
.foot-nav a:hover { color:var(--acc); }
.foot-copy { font-size:.68rem; color:var(--fg-muted); text-align:right; font-family:'EB Garamond',serif; }

/* Compliance grid */
.foot-compliance { display:grid; grid-template-columns:1fr 1fr; gap:2rem 3.5rem; margin-bottom:2rem; padding-bottom:2rem; border-bottom:1px solid rgba(45,127,193,.11); }
.foot-col-title { font-family:var(--font-body); font-size:.6rem; font-weight:700; letter-spacing:.18em; text-transform:uppercase; color:var(--acc); margin-bottom:.65rem; display:flex; align-items:center; gap:.45rem; }
.foot-col-title::before { content:''; display:inline-block; width:16px; height:1px; background:var(--acc); flex-shrink:0; }
.foot-col-body { font-size:.76rem; line-height:1.8; color:rgba(175,215,245,.55); font-family:'EB Garamond',serif; }
.foot-col-body strong { color:rgba(205,230,250,.82); font-weight:600; }
.foot-col-body a { color:rgba(175,215,245,.55); transition:color .3s; }
.foot-col-body a:hover { color:var(--acc); }

/* Risk disclaimer — full width band */
.foot-risk { margin-bottom:2rem; padding:1.1rem 1.4rem; border:1px solid rgba(45,127,193,.15); border-radius:10px; background:rgba(45,127,193,.04); }
.foot-risk p { font-size:.75rem; line-height:1.78; color:rgba(165,210,240,.52); font-family:'EB Garamond',serif; }
.foot-risk strong { color:rgba(200,228,248,.78); font-weight:600; }

/* Bottom bar */
.foot-bottom { display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:1rem; }
.foot-bottom-copy { font-size:.66rem; color:rgba(150,200,235,.35); font-family:'EB Garamond',serif; }
.foot-reg-badges { display:flex; gap:.6rem; flex-wrap:wrap; }
.foot-reg-badge { font-size:.58rem; font-weight:600; letter-spacing:.1em; text-transform:uppercase; border:1px solid rgba(45,127,193,.25); color:rgba(150,200,235,.45); padding:.2rem .6rem; border-radius:2rem; font-family:var(--font-body); }

/* TOAST */
.toast { position:fixed; bottom:2rem; left:50%; transform:translateX(-50%) translateY(100px); background:var(--navy); border:1px solid var(--border2); color:var(--fg-light); padding:.85rem 2rem; border-radius:50px; font-size:.8rem; z-index:9999; transition:transform .5s var(--ease); pointer-events:none; }
.toast.show { transform:translateX(-50%) translateY(0); }

/* ═══════════ RESPONSIVE ═══════════ */
@media(max-width:960px){
  .nav-links{display:none} .hamburger{display:flex}
  .svc-grid{grid-template-columns:1fr}
  .about-wrap{grid-template-columns:1fr;gap:2.8rem}
  .cred-circles-area{height:320px}
  .team-grid{grid-template-columns:1fr;max-width:520px;margin-left:auto;margin-right:auto}
  .contact-wrap{grid-template-columns:1fr;gap:2.2rem}
  .foot-top{grid-template-columns:1fr;gap:1.4rem}
  .foot-copy{text-align:left}
  .foot-nav{justify-content:flex-start}
  .foot-compliance{grid-template-columns:1fr;gap:1.6rem}
  .foot-bottom{flex-direction:column;align-items:flex-start}
  #hero{padding-top:5rem}
  .num-track{flex-direction:column;gap:1.6rem}
  .num-sep{width:60px;height:1px}
  .chip{display:none}
}
@media(max-width:600px){
  .wm-inform,.wm-financial,.wm-services{font-size:clamp(1.4rem,9.5vw,2.6rem);letter-spacing:.15em}
  .hero-actions{flex-direction:column;align-items:center}
  .hero-actions a{width:85%;text-align:center}
  .field-row{grid-template-columns:1fr}
  #services,#about,#team,#contact{padding-left:4%;padding-right:4%}
  #numbers{padding-left:4%;padding-right:4%}
  .s-title{font-size:clamp(1.65rem,7vw,2.2rem)}
  .nav-badge{display:none}
  .hero-sub{font-size:clamp(.95rem,4vw,1.2rem)}
  .t-photo{width:130px;height:130px}
  .cc-1,.cc-2,.cc-3,.cc-4{width:110px;height:110px}
  .cred-big{font-size:.95rem}
  .num-track{flex-direction:column}
}