@import url("https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;1,400;1,500&family=Source+Sans+3:ital,wght@0,300;0,400;0,500;0,600;1,300;1,400&display=swap");

:root {
  --ivory: #F5F1EA;
  --ivory-2: #EBE6DB;
  --paper: #FAF7F1;
  --charcoal: #1B1A17;
  --ink: #2E2C28;
  --muted: #6E6A62;
  --faint: #979086;
  --stone: #DDD6CA;
  --stone-2: #D2CBBE;
  --line: rgba(27, 26, 23, 0.10);
  --line-2: rgba(27, 26, 23, 0.16);
  --red: #8C3A3A;
  --red-soft: #A45C5C;
  --forest: #2D4A3E;
  --forest-2: #3E5F50;
  --sand: #C4B49A;
  --header: 72px;
  --concept: 32px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --font-serif: "Cormorant Garamond", "Times New Roman", serif;
  --font-sans: "Source Sans 3", "Helvetica Neue", Helvetica, Arial, sans-serif;
  --wrap: 1180px;
  --wrap-wide: 1320px;
}

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

html { scroll-behavior: smooth; }

html, body {
  background: var(--ivory);
  color: var(--charcoal);
}

body {
  font-family: var(--font-sans);
  font-size: 17px;
  font-weight: 400;
  line-height: 1.65;
  letter-spacing: 0.01em;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; border: 0; background: none; }
::selection { background: rgba(140, 58, 58, 0.16); }

.skip {
  position: absolute;
  left: -999px;
  top: 8px;
}
.skip:focus {
  left: 12px;
  z-index: 80;
  background: var(--paper);
  padding: 8px 14px;
  border: 1px solid var(--line-2);
}

/* ——— Typography ——— */
.kicker {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--muted);
}

h1, h2, h3, .display {
  font-family: var(--font-serif);
  font-weight: 400;
  letter-spacing: -0.02em;
  line-height: 1.02;
  color: var(--charcoal);
}

h1, .display {
  font-size: clamp(2.8rem, 6.4vw, 5.6rem);
}

h2 {
  font-size: clamp(2.1rem, 4.2vw, 3.6rem);
}

h3 {
  font-size: clamp(1.45rem, 2.2vw, 1.85rem);
  line-height: 1.2;
}

.lede {
  font-size: clamp(1.1rem, 1.6vw, 1.28rem);
  line-height: 1.6;
  color: var(--ink);
  max-width: 36em;
  font-weight: 300;
}

.prose {
  max-width: 40em;
  color: var(--ink);
}
.prose p + p { margin-top: 1.1em; }

.num {
  font-variant-numeric: tabular-nums lining-nums;
  letter-spacing: -0.02em;
}

/* ——— Layout ——— */
.wrap {
  width: min(var(--wrap), calc(100% - 48px));
  margin-inline: auto;
}
.wrap-wide {
  width: min(var(--wrap-wide), calc(100% - 48px));
  margin-inline: auto;
}

.section {
  padding: 108px 0;
}
.section-sm { padding: 72px 0; }
.section-lg { padding: 132px 0; }

.stone { background: var(--ivory-2); }
.paper { background: var(--paper); }
.dark {
  background: var(--charcoal);
  color: var(--ivory);
}
.dark h1, .dark h2, .dark h3, .dark .display { color: var(--ivory); }
.dark .kicker { color: rgba(245, 241, 234, 0.55); }
.dark .lede, .dark p { color: rgba(245, 241, 234, 0.78); }

.rule {
  height: 1px;
  background: var(--line);
  border: 0;
}

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.split-top { align-items: start; }
.split-wide { grid-template-columns: 0.9fr 1.1fr; }

/* ——— Concept bar ——— */
.concept-bar {
  height: var(--concept);
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--charcoal);
  color: rgba(245, 241, 234, 0.72);
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-weight: 500;
}

/* ——— Header ——— */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  height: var(--header);
  background: rgba(245, 241, 234, 0.92);
  backdrop-filter: saturate(1.1);
  border-bottom: 1px solid var(--line);
  transition: height 0.35s var(--ease), background 0.35s ease;
}
.site-header.is-scrolled {
  height: 62px;
  background: rgba(245, 241, 234, 0.97);
}
.site-header .nav-inner {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}
.brand-mark {
  width: 28px;
  height: 28px;
}
.brand-name {
  font-family: var(--font-sans);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-links > a,
.nav-drop > button {
  padding: 8px 12px;
  font-size: 13px;
  letter-spacing: 0.04em;
  color: var(--ink);
  position: relative;
}
.nav-links > a::after,
.nav-drop > button::after {
  content: "";
  position: absolute;
  left: 12px;
  right: 12px;
  bottom: 4px;
  height: 1px;
  background: var(--charcoal);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s var(--ease);
}
.nav-links > a:hover::after,
.nav-links > a.is-active::after,
.nav-drop:hover > button::after,
.nav-drop.is-open > button::after {
  transform: scaleX(1);
}

.nav-drop { position: relative; }
.nav-drop > button {
  display: flex;
  align-items: center;
  gap: 6px;
}
.nav-drop > button svg {
  width: 9px;
  height: 9px;
  opacity: 0.55;
  transition: transform 0.25s ease;
}
.nav-drop.is-open > button svg { transform: rotate(180deg); }

.drop-panel {
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  min-width: 260px;
  background: var(--paper);
  border: 1px solid var(--line-2);
  padding: 14px 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: 0.28s var(--ease);
  box-shadow: 0 18px 40px rgba(27, 26, 23, 0.06);
}
.nav-drop.is-open .drop-panel,
.nav-drop:hover .drop-panel {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.drop-panel a {
  display: block;
  padding: 9px 20px;
  font-size: 14px;
  color: var(--ink);
}
.drop-panel a:hover { background: var(--ivory-2); }
.drop-panel a small {
  display: block;
  font-size: 11px;
  color: var(--muted);
  letter-spacing: 0.04em;
}

.nav-right {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.login-link {
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 8px 10px;
  color: var(--muted);
}
.login-link:hover { color: var(--charcoal); }

.menu-toggle {
  display: none;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
}
.menu-toggle span {
  display: block;
  width: 18px;
  height: 1px;
  background: var(--charcoal);
  transition: 0.25s ease;
}

/* ——— Buttons ——— */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 22px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  border: 1px solid var(--charcoal);
  transition: 0.3s var(--ease);
  white-space: nowrap;
}
.btn-solid {
  background: var(--charcoal);
  color: var(--ivory);
}
.btn-solid:hover { background: #000; }
.btn-line {
  background: transparent;
  color: var(--charcoal);
}
.btn-line:hover {
  background: var(--charcoal);
  color: var(--ivory);
}
.btn-light {
  border-color: rgba(245, 241, 234, 0.55);
  color: var(--ivory);
}
.btn-light:hover {
  background: var(--ivory);
  color: var(--charcoal);
  border-color: var(--ivory);
}
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }

/* ——— Media ——— */
.media {
  position: relative;
  overflow: hidden;
  background: var(--stone);
}
.media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: scale(1.04);
  transition: transform 1.4s var(--ease);
}
.media:hover img { transform: scale(1.08); }
.media-tall { min-height: 560px; }
.media-hero { min-height: 640px; }
.media-mid { min-height: 420px; }
.media-caption {
  position: absolute;
  left: 20px;
  bottom: 18px;
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(245, 241, 234, 0.8);
}

.parallax {
  will-change: transform;
}

/* ——— Hero ——— */
.hero {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  min-height: calc(100vh - var(--header) - var(--concept));
  min-height: 86vh;
}
.hero-copy {
  padding: 88px 8% 72px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.hero-copy h1 {
  margin: 22px 0 24px;
  max-width: 9.4em;
}
.hero-copy .lede { max-width: 32em; }
.hero-visual { min-height: 100%; }

.page-hero {
  padding: 92px 0 56px;
}
.page-hero h1 { margin: 18px 0 22px; max-width: 12em; }
.page-hero .lede { max-width: 38em; }

/* ——— Reveal ——— */
.js [data-reveal] {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}
.js [data-reveal].is-in,
html:not(.js) [data-reveal] {
  opacity: 1;
  transform: none;
}
.js [data-reveal="left"] { transform: translateX(-24px); }
.js [data-reveal="right"] { transform: translateX(24px); }

/* ——— Principles ——— */
.principles {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.principle {
  padding: 40px 36px 44px;
  border-right: 1px solid var(--line);
}
.principle:last-child { border-right: 0; }
.principle .kicker { color: var(--red); margin-bottom: 16px; }
.principle p { color: var(--ink); max-width: 22em; margin-top: 12px; }

/* ——— Cards ——— */
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.card {
  padding: 32px 28px 28px;
  border: 1px solid var(--line);
  background: var(--paper);
  min-height: 210px;
  display: flex;
  flex-direction: column;
  transition: transform 0.4s var(--ease), border-color 0.4s ease;
}
.card:hover {
  transform: translateY(-4px);
  border-color: var(--line-2);
}
.card .index {
  font-size: 11px;
  letter-spacing: 0.18em;
  color: var(--faint);
  margin-bottom: 28px;
}
.card h3 { margin-bottom: 12px; }
.card p { color: var(--muted); font-size: 15px; margin-top: auto; }
.card-link {
  margin-top: 22px;
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--red);
}

/* ——— Editorial ——— */
.editorial {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 0;
  min-height: 560px;
}
.editorial-copy {
  padding: 72px 64px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  background: var(--charcoal);
  color: var(--ivory);
}
.editorial-copy h2 { color: var(--ivory); margin: 12px 0 20px; }
.editorial-copy p { color: rgba(245, 241, 234, 0.78); max-width: 32em; }

/* ——— CTA ——— */
.cta-band {
  padding: 96px 0;
  text-align: center;
}
.cta-band h2 { margin: 14px auto 18px; max-width: 14em; }
.cta-band .lede { margin-inline: auto; }

/* ——— Timeline ——— */
.timeline {
  position: relative;
  margin-top: 48px;
}
.timeline::before {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: 11px;
  height: 1px;
  background: var(--line-2);
}
.timeline-row {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
}
.tl-item { padding-top: 0; }
.tl-dot {
  width: 11px;
  height: 11px;
  border: 1px solid var(--charcoal);
  background: var(--ivory);
  border-radius: 50%;
  margin-bottom: 22px;
  position: relative;
  z-index: 1;
}
.tl-item strong {
  display: block;
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.tl-item p { color: var(--muted); font-size: 15px; }
.note {
  margin-top: 28px;
  font-size: 13px;
  color: var(--muted);
  font-style: italic;
}

/* ——— Process ——— */
.process {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0;
  counter-reset: step;
}
.process-step {
  padding: 28px 24px 32px 0;
  border-top: 1px solid var(--line);
  position: relative;
}
.process-step .n {
  font-family: var(--font-serif);
  font-size: 2rem;
  color: var(--red);
  display: block;
  margin-bottom: 18px;
}
.process-step h3 { font-size: 1.35rem; margin-bottom: 8px; }
.process-step p { font-size: 15px; color: var(--muted); }

/* ——— Allocation ——— */
.alloc {
  margin-top: 36px;
}
.alloc-bar {
  display: flex;
  height: 28px;
  width: 100%;
  overflow: hidden;
}
.alloc-bar span {
  display: block;
  height: 100%;
  transform-origin: left;
  transform: scaleX(0);
  animation: growBar 1.2s var(--ease) forwards;
}
@keyframes growBar { to { transform: scaleX(1); } }
.alloc-legend {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
  margin-top: 22px;
}
.alloc-legend li {
  list-style: none;
  font-size: 14px;
}
.alloc-legend i {
  display: inline-block;
  width: 10px;
  height: 10px;
  margin-right: 8px;
  vertical-align: -1px;
}
.alloc-legend small {
  display: block;
  color: var(--muted);
  margin-top: 4px;
  font-size: 13px;
}

/* ——— Charts ——— */
.chart-card {
  border: 1px solid var(--line);
  background: var(--paper);
  padding: 28px 28px 18px;
}
.chart-card header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 8px;
}
.chart-card h3 { font-size: 1.35rem; }
.chart-card .badge {
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
}
.chart-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.chart-svg { width: 100%; height: 220px; }
.chart-svg polyline, .chart-svg path {
  fill: none;
  stroke-linejoin: round;
  stroke-linecap: round;
}

/* ——— Insights ——— */
.insight {
  display: flex;
  flex-direction: column;
  min-height: 280px;
  padding: 28px;
  border-bottom: 1px solid var(--line);
  border-right: 1px solid var(--line);
  background: var(--paper);
  transition: background 0.35s ease;
}
.insight:hover { background: var(--ivory); }
.insight .meta {
  display: flex;
  gap: 14px;
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 28px;
}
.insight h3 { margin-bottom: 12px; }
.insight p { color: var(--muted); font-size: 15px; }
.insight .more {
  margin-top: auto;
  padding-top: 24px;
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--red);
}

/* ——— People ——— */
.people {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.person img {
  width: 100%;
  aspect-ratio: 3/4;
  object-fit: cover;
  filter: grayscale(1) contrast(1.05);
  margin-bottom: 18px;
}
.person .role {
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
  margin: 6px 0 10px;
}
.person p { font-size: 14.5px; color: var(--ink); }

/* ——— Forms ——— */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px 20px;
}
.field { display: flex; flex-direction: column; gap: 8px; }
.field.full { grid-column: 1 / -1; }
.field label {
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
}
.field input,
.field select,
.field textarea {
  background: transparent;
  border: 0;
  border-bottom: 1px solid var(--line-2);
  padding: 10px 0 12px;
  outline: none;
  border-radius: 0;
  appearance: none;
  transition: border-color 0.25s ease;
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus,
.field select:focus,
.field textarea:focus { border-bottom-color: var(--charcoal); }

.form-note {
  margin-top: 16px;
  font-size: 13px;
  color: var(--muted);
}

.form-success {
  display: none;
  padding: 28px;
  border: 1px solid var(--line);
  background: var(--paper);
}
.form-success.is-on { display: block; }
form.is-hidden { display: none; }

/* ——— Calculator ——— */
.calc {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 56px;
  align-items: start;
}
.slider {
  margin-bottom: 22px;
}
.slider header {
  display: flex;
  justify-content: space-between;
  font-size: 13px;
  margin-bottom: 8px;
}
.slider header strong { letter-spacing: 0.04em; }
.slider input[type="range"] {
  width: 100%;
  accent-color: var(--charcoal);
  height: 2px;
}
.calc-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 8px;
}
.stat {
  border-top: 1px solid var(--line);
  padding-top: 16px;
}
.stat b {
  display: block;
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 400;
  letter-spacing: -0.03em;
}
.stat span {
  font-size: 12px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
}
.disclaimer {
  margin-top: 24px;
  padding: 16px 18px;
  border-left: 2px solid var(--red);
  font-size: 13px;
  color: var(--muted);
  background: rgba(140, 58, 58, 0.04);
}

/* ——— Swiss map ——— */
.swiss-map {
  width: 100%;
  max-width: 620px;
}
.swiss-map .land {
  fill: var(--ivory-2);
  stroke: var(--charcoal);
  stroke-width: 1.2;
}
.swiss-map .city { fill: var(--red); }
.swiss-map .label {
  font-family: var(--font-sans);
  font-size: 11px;
  letter-spacing: 0.08em;
  fill: var(--charcoal);
}

.city-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px 28px;
  margin-top: 28px;
}
.city-list h3 { font-size: 1.2rem; }
.city-list p { font-size: 14.5px; color: var(--muted); }

/* ——— Diagrams ——— */
.fo-diagram {
  display: grid;
  justify-items: center;
  gap: 0;
  text-align: center;
  padding: 20px 0;
}
.fo-node {
  border: 1px solid var(--line-2);
  padding: 16px 28px;
  min-width: 220px;
  background: var(--paper);
}
.fo-node.center {
  background: var(--charcoal);
  color: var(--ivory);
  border-color: var(--charcoal);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-size: 12px;
}
.fo-arrow {
  height: 36px;
  width: 1px;
  background: var(--charcoal);
  position: relative;
}
.fo-arrow::after {
  content: "";
  position: absolute;
  left: -4px;
  bottom: 0;
  width: 9px;
  height: 9px;
  border-right: 1px solid var(--charcoal);
  border-bottom: 1px solid var(--charcoal);
  transform: rotate(45deg);
}
.fo-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  width: min(720px, 100%);
  margin-top: 8px;
}
.fo-grid span {
  border: 1px solid var(--line);
  padding: 14px 10px;
  font-size: 13px;
  background: var(--ivory);
}

.wealth-diagram {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  gap: 12px;
  align-items: center;
  margin-top: 36px;
}
.wealth-col {
  border: 1px solid var(--line);
  padding: 22px 18px;
  min-height: 180px;
  background: var(--paper);
}
.wealth-col h3 { font-size: 1.15rem; margin-bottom: 10px; }
.wealth-col p { font-size: 14px; color: var(--muted); }
.wealth-arrow {
  font-family: var(--font-serif);
  font-size: 1.6rem;
  color: var(--red);
}

.quote-block {
  padding: 88px 0;
  text-align: center;
}
.quote-block blockquote {
  font-family: var(--font-serif);
  font-size: clamp(1.7rem, 3.2vw, 2.7rem);
  line-height: 1.2;
  font-style: italic;
  max-width: 16em;
  margin: 0 auto 18px;
}

/* ——— Pillars ——— */
.pillars {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.pillar {
  padding: 24px 20px;
  border-top: 2px solid var(--charcoal);
  background: var(--paper);
}
.pillar h3 { font-size: 1.2rem; margin: 8px 0; }
.pillar p { font-size: 14.5px; color: var(--muted); }

/* ——— Themes ——— */
.themes {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border: 1px solid var(--line);
}
.theme {
  padding: 32px 26px;
  border-right: 1px solid var(--line);
}
.theme:last-child { border-right: 0; }
.theme .kicker { margin-bottom: 14px; }

/* ——— Outlook ——— */
.ol-item {
  display: grid;
  grid-template-columns: 88px 1fr;
  gap: 24px;
  padding: 32px 0;
  border-top: 1px solid var(--line);
}
.ol-item .n {
  font-family: var(--font-serif);
  font-size: 1.8rem;
  color: var(--red);
}

/* ——— Journey ——— */
.journey {
  position: relative;
  margin-top: 20px;
}
.journey-step {
  display: grid;
  grid-template-columns: 120px 1fr;
  gap: 40px;
  padding: 0 0 56px;
  position: relative;
}
.journey-step::before {
  content: "";
  position: absolute;
  left: 18px;
  top: 28px;
  bottom: 0;
  width: 1px;
  background: var(--line-2);
}
.journey-step:last-child::before { display: none; }
.journey-step .n {
  font-family: var(--font-serif);
  font-size: 2.4rem;
  line-height: 1;
}
.journey-step h3 { margin-bottom: 8px; }

/* ——— Offices ——— */
.offices {
  display: grid;
  gap: 36px;
}
.office .city {
  font-size: 11px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 8px;
}
.office h3 { font-size: 1.5rem; margin-bottom: 6px; }
.office p { color: var(--muted); }

/* ——— Footer ——— */
.site-footer {
  background: var(--charcoal);
  color: rgba(245, 241, 234, 0.72);
  padding: 72px 0 28px;
}
.foot-top {
  display: grid;
  grid-template-columns: 1.2fr 2fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(245, 241, 234, 0.12);
}
.foot-brand .brand-name { color: var(--ivory); }
.foot-brand .tag {
  margin-top: 14px;
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-style: italic;
  color: var(--ivory);
}
.foot-cols {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.foot-cols h4 {
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(245, 241, 234, 0.45);
  margin-bottom: 16px;
  font-weight: 500;
}
.foot-cols a {
  display: block;
  padding: 4px 0;
  font-size: 14px;
}
.foot-cols a:hover { color: var(--ivory); }
.foot-bottom {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding-top: 22px;
  font-size: 12px;
  letter-spacing: 0.06em;
}
.foot-legal {
  display: flex;
  gap: 18px;
}

/* ——— Overlay nav ——— */
.nav-overlay {
  position: fixed;
  inset: 0;
  background: var(--ivory);
  z-index: 60;
  display: none;
  padding: 28px 28px 48px;
  overflow: auto;
}
@keyframes overlayIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

.nav-overlay.is-open { display: block; animation: overlayIn 0.35s var(--ease); }
.nav-overlay-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 48px;
}
.overlay-links a {
  display: block;
  font-family: var(--font-serif);
  font-size: clamp(2rem, 7vw, 3rem);
  line-height: 1.15;
  padding: 4px 0;
}
.overlay-sub {
  margin: 28px 0 40px;
}
.overlay-sub a {
  display: inline-block;
  margin: 6px 18px 6px 0;
  font-size: 14px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
}

/* ——— Login ——— */
.login-box {
  max-width: 420px;
  margin: 48px auto 0;
  border: 1px solid var(--line);
  padding: 36px 32px;
  background: var(--paper);
  text-align: left;
}
.login-box .btn { width: 100%; margin-top: 12px; }

/* ——— 404 ——— */
.empty {
  min-height: 70vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 80px 0;
}

/* ——— Misc ——— */
.mb-s { margin-bottom: 12px; }
.mb { margin-bottom: 20px; }
.mb-l { margin-bottom: 36px; }
.mt { margin-top: 20px; }
.mt-l { margin-top: 48px; }
.max-s { max-width: 34em; }
.center { text-align: center; }
.demo-tag {
  display: inline-block;
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  border: 1px solid var(--line-2);
  padding: 4px 8px;
  color: var(--muted);
  margin-bottom: 10px;
}

body.menu-open { overflow: hidden; }

/* ——— Mobile ——— */
@media (max-width: 980px) {
  .nav-links { display: none; }
  .login-link { display: none; }
  .menu-toggle { display: flex; }
  .hero,
  .split,
  .split-wide,
  .editorial,
  .calc,
  .chart-grid,
  .foot-top {
    grid-template-columns: 1fr;
  }
  .hero { min-height: auto; }
  .hero-copy { padding: 56px 0 40px; }
  .hero-visual, .media-hero { min-height: 52vh; }
  .principles,
  .cards,
  .people,
  .process,
  .timeline-row,
  .alloc-legend,
  .pillars,
  .themes,
  .form-grid {
    grid-template-columns: 1fr 1fr;
  }
  .process, .timeline-row { overflow-x: auto; }
  .principle { border-right: 0; border-bottom: 1px solid var(--line); }
  .editorial-copy { padding: 48px 28px; }
  .media-tall { min-height: 380px; }
  .wealth-diagram {
    grid-template-columns: 1fr;
  }
  .wealth-arrow { display: none; }
  .journey-step { grid-template-columns: 72px 1fr; gap: 16px; }
  .fo-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 680px) {
  .wrap, .wrap-wide { width: calc(100% - 32px); }
  .section, .section-lg { padding: 72px 0; }
  .principles,
  .cards,
  .people,
  .process,
  .timeline-row,
  .alloc-legend,
  .pillars,
  .themes,
  .form-grid,
  .city-list,
  .foot-cols,
  .calc-stats,
  .ol-item {
    grid-template-columns: 1fr;
  }
  .nav-right .btn { display: none; }
  .concept-bar { font-size: 9px; letter-spacing: 0.08em; padding: 0 10px; text-align: center; }
  .foot-bottom { flex-direction: column; }
  .chart-svg { height: 180px; }
  .page-hero { padding-top: 56px; }
  .sticky-cta {
    position: sticky;
    bottom: 0;
    z-index: 20;
    padding: 12px 16px 16px;
    background: rgba(245, 241, 234, 0.94);
    border-top: 1px solid var(--line);
    display: flex;
    justify-content: center;
  }
}

@media (min-width: 681px) {
  .sticky-cta { display: none; }
}