/* ============================================
   CERTUMS — Design System V10
   Banking Authority · Editorial · Trust-grade
   Playfair Display + Inter
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:ital,opsz,wght@0,14..32,400;0,14..32,500;0,14..32,600;0,14..32,700;1,14..32,400&family=Playfair+Display:ital,wght@0,400;0,500;0,600;0,700;1,400;1,500&display=swap');

/* ============================================
   DESIGN TOKENS
   ============================================ */
:root {
  /* ── Color: Authority Palette ── */
  --ink:            #07111f;
  --navy:           #0c1b36;
  --navy-mid:       #142646;
  --navy-light:     #1c3158;

  /* ── Color: Text Scale ── */
  --text:           #0f1929;
  --text-2:         #3d5066;
  --text-3:         #617388;
  --text-muted:     #8fa0b8;
  --text-on-dark:   #d8e4f3;
  --text-dim:       #6b84a0;

  /* ── Color: Surface ── */
  --surface:        #ffffff;
  --ground:         #f4f6fa;
  --ground-2:       #eef1f7;
  --tint-blue:      #edf3ff;

  /* ── Color: Border ── */
  --border:         #cdd7e3;
  --border-light:   #e4eaf2;
  --border-subtle:  #eff2f7;
  --border-dark:    rgba(255,255,255,0.09);
  --border-dark-2:  rgba(255,255,255,0.15);

  /* ── Color: Accent ── */
  --accent:         #1a47d0;
  --accent-hover:   #1339b8;
  --accent-light:   #edf2ff;
  --accent-subtle:  #dbe7ff;
  --accent-muted:   #4068d6;

  /* ── Color: Status ── */
  --success:        #065f46;
  --warning:        #78350f;
  --white:          #ffffff;

  /* ── Typography ── */
  --serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --sans:  'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* ── Type Scale ── */
  --text-xs:   0.72rem;    /* 11.5px */
  --text-sm:   0.82rem;    /* 13px   */
  --text-base: 1rem;       /* 16px   */
  --text-md:   1.05rem;    /* 16.8px */
  --text-lg:   1.2rem;     /* 19.2px */
  --text-xl:   1.4rem;     /* 22.4px */

  /* ── Spacing (8pt) ── */
  --s-1:   0.25rem;   /*  4px */
  --s-2:   0.5rem;    /*  8px */
  --s-3:   0.75rem;   /* 12px */
  --s-4:   1rem;      /* 16px */
  --s-5:   1.25rem;   /* 20px */
  --s-6:   1.5rem;    /* 24px */
  --s-8:   2rem;      /* 32px */
  --s-10:  2.5rem;    /* 40px */
  --s-12:  3rem;      /* 48px */
  --s-16:  4rem;      /* 64px */
  --s-20:  5rem;      /* 80px */
  --s-24:  6rem;      /* 96px */
  --s-32:  8rem;      /* 128px */
  --s-40:  10rem;     /* 160px */

  /* ── Container ── */
  --container:        1200px;
  --container-narrow: 720px;
  --container-text:   640px;
  --gutter:           2.5rem;

  /* ── Radius ── */
  --r-sm:   4px;
  --r-md:   8px;
  --r-lg:   12px;
  --r-xl:   16px;
  --r-pill: 100px;

  /* ── Shadows ── */
  --shadow-xs: 0 1px 2px rgba(7,17,31,0.05);
  --shadow-sm: 0 1px 4px rgba(7,17,31,0.06), 0 1px 2px rgba(7,17,31,0.04);
  --shadow-md: 0 4px 16px rgba(7,17,31,0.07), 0 1px 4px rgba(7,17,31,0.04);
  --shadow-lg: 0 12px 40px rgba(7,17,31,0.09), 0 4px 12px rgba(7,17,31,0.05);
  --shadow-xl: 0 24px 64px rgba(7,17,31,0.11), 0 8px 24px rgba(7,17,31,0.06);

  /* ── Transitions ── */
  --ease-out:   cubic-bezier(0.22, 1, 0.36, 1);
  --t-fast:     150ms cubic-bezier(0.22, 1, 0.36, 1);
  --t-base:     240ms cubic-bezier(0.22, 1, 0.36, 1);
  --t-slow:     360ms cubic-bezier(0.22, 1, 0.36, 1);
}

/* ============================================
   RESET
   ============================================ */
*, *::before, *::after {
  margin: 0; padding: 0;
  box-sizing: border-box;
}
html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}
body {
  font-family: var(--sans);
  color: var(--text);
  background: var(--surface);
  line-height: 1.65;
}
body.has-menu-open { overflow: hidden; }
img { max-width: 100%; display: block; height: auto; }
a { color: inherit; text-decoration: none; }
p a, li a { color: var(--accent); }
p a:hover, li a:hover { text-decoration: underline; }
button { font-family: var(--sans); }

/* ============================================
   TYPOGRAPHY — Editorial Scale
   ============================================ */
h1, h2, h3 {
  font-family: var(--serif);
  color: var(--ink);
  font-weight: 500;
}
h4, h5, h6 {
  font-family: var(--sans);
  color: var(--ink);
  font-weight: 600;
}
h1 {
  font-size: clamp(2.75rem, 5.5vw, 5rem);
  line-height: 1.02;
  letter-spacing: -0.025em;
  font-weight: 600;
}
h2 {
  font-size: clamp(2rem, 3.5vw, 3rem);
  line-height: 1.07;
  letter-spacing: -0.02em;
  font-weight: 500;
}
h3 {
  font-size: clamp(1.25rem, 2vw, 1.65rem);
  line-height: 1.18;
  letter-spacing: -0.012em;
  font-weight: 500;
}
h4 {
  font-size: 1rem;
  line-height: 1.35;
  letter-spacing: -0.005em;
}
p {
  font-size: var(--text-base);
  line-height: 1.85;
  color: var(--text-2);
  max-width: 62ch;
  letter-spacing: 0.2px;
}
p + p { margin-top: 1.15rem; }
ul, ol { padding-left: 1.25rem; }
li {
  font-size: var(--text-base);
  line-height: 1.78;
  color: var(--text-2);
}

/* ============================================
   LAYOUT PRIMITIVES
   ============================================ */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--gutter);
}
.container--narrow { max-width: var(--container-narrow); }
.container--text   { max-width: var(--container-text); }

/* Section spacing */
.section        { padding: var(--s-32) 0; }
.section--xl    { padding: var(--s-40) 0; }
.section--lg    { padding: var(--s-24) 0; }
.section--md    { padding: var(--s-16) 0; }
.section--sm    { padding: var(--s-12) 0; }
.section--tight { padding-bottom: var(--s-24); }
.section--flush-top { padding-top: 0; }

/* Surface colors */
.surface--ground  { background: var(--ground); }
.surface--navy    { background: var(--navy); }
.surface--tint    { background: var(--tint-blue); }
.surface--border  {
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

/* Two-column grid */
.split-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s-16);
  align-items: start;
}
.split-grid--narrow { gap: var(--s-10); }
.split-grid--wide {
  grid-template-columns: 3fr 2fr;
  gap: var(--s-20);
}
.split-grid--wider {
  grid-template-columns: 5fr 3fr;
  gap: var(--s-24);
}

/* ============================================
   NAVIGATION
   ============================================ */
.nav {
  position: sticky;
  top: 0;
  z-index: 200;
  background: rgba(255,255,255,0.96);
  border-bottom: 1px solid var(--border-light);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
}
.nav--dark {
  background: rgba(12,27,54,0.97);
  border-bottom-color: var(--border-dark);
}
.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}
.nav__logo {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  text-decoration: none;
  flex-shrink: 0;
}
.nav__logo img {
  height: 40px;
  width: auto;
}
.nav__logo-text {
  font-family: var(--serif);
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: -0.02em;
}
.nav--dark .nav__logo-text { color: var(--white); }
.nav__links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  list-style: none;
}
.nav__links a {
  display: inline-flex;
  align-items: center;
  padding: 0.5rem 0.85rem;
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--text-2);
  text-decoration: none;
  border-radius: var(--r-sm);
  transition: color var(--t-fast), background var(--t-fast);
  letter-spacing: 0.01em;
}
.nav__links a:hover { color: var(--ink); background: var(--ground); }
.nav__links a[aria-current="page"] { color: var(--ink); }
.nav--dark .nav__links a { color: var(--text-muted); }
.nav--dark .nav__links a:hover { color: var(--white); background: rgba(255,255,255,0.07); }
.nav--dark .nav__links a[aria-current="page"] { color: var(--white); }
.nav__cta {
  display: inline-flex;
  align-items: center;
  padding: 0.55rem 1.35rem !important;
  background: var(--accent) !important;
  color: var(--white) !important;
  border-radius: var(--r-sm) !important;
  font-size: var(--text-sm) !important;
  font-weight: 500 !important;
  transition: background var(--t-fast), box-shadow var(--t-fast) !important;
  box-shadow: 0 1px 3px rgba(26,71,208,0.25) !important;
}
.nav__cta:hover {
  background: var(--accent-hover) !important;
  box-shadow: 0 2px 8px rgba(26,71,208,0.35) !important;
}
.nav--dark .nav__cta:hover { background: var(--accent-hover) !important; }
.nav__toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  flex-direction: column;
  gap: 5px;
}
.nav__toggle span {
  display: block;
  width: 22px;
  height: 1.5px;
  background: var(--ink);
  transition: transform var(--t-fast), opacity var(--t-fast);
}
.nav--dark .nav__toggle span { background: var(--white); }
.nav__toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav__toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

/* ============================================
   SECTION HEADERS
   ============================================ */
.eyebrow {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 1.25rem;
}
.eyebrow--light { color: #93c5fd; }
.eyebrow--muted { color: var(--text-3); }

.section-title {
  margin-bottom: 1.25rem;
  color: var(--ink);
}
.section-title--light { color: var(--white); }

.section-intro {
  font-size: 1.1rem;
  line-height: 1.8;
  color: var(--text-2);
  margin-bottom: var(--s-12);
  max-width: 56ch;
}
.section-intro--light { color: var(--text-dim); }

.section-lede {
  font-size: 1.25rem;
  line-height: 1.72;
  color: var(--text-2);
  max-width: 58ch;
  margin-bottom: var(--s-10);
  font-weight: 400;
}

/* Rule separator */
.rule {
  border: none;
  border-top: 1px solid var(--border-light);
  margin: 0;
}
.rule--dark { border-top-color: var(--border-dark); }

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: var(--sans);
  font-size: var(--text-sm);
  font-weight: 500;
  padding: 0.875rem 2rem;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: all var(--t-fast);
  letter-spacing: 0.01em;
  line-height: 1;
  border-radius: var(--r-sm);
  white-space: nowrap;
}
.btn--primary {
  background: var(--accent);
  color: var(--white);
  box-shadow: 0 1px 3px rgba(26,71,208,0.25), 0 4px 12px rgba(26,71,208,0.15);
}
.btn--primary:hover {
  background: var(--accent-hover);
  box-shadow: 0 2px 6px rgba(26,71,208,0.3), 0 8px 20px rgba(26,71,208,0.2);
  transform: translateY(-1px);
}
.btn--navy {
  background: var(--navy);
  color: var(--white);
}
.btn--navy:hover { background: #0a1628; transform: translateY(-1px); }
.btn--outline {
  background: transparent;
  color: var(--white);
  border: 1px solid var(--border-dark-2);
}
.btn--outline:hover {
  border-color: rgba(255,255,255,0.4);
  background: rgba(255,255,255,0.06);
}
.btn--outline-dark {
  background: transparent;
  color: var(--ink);
  border: 1px solid var(--border);
}
.btn--outline-dark:hover {
  border-color: var(--ink);
  background: var(--ground);
}
.btn--ghost {
  background: none;
  color: var(--text-muted);
  padding: 0.875rem 0;
  border-radius: 0;
  border-bottom: 1px solid var(--border-dark-2);
}
.btn--ghost:hover { color: var(--white); border-bottom-color: rgba(255,255,255,0.5); }
.btn--link {
  padding: 0;
  background: none;
  color: var(--accent);
  border-radius: 0;
  font-size: var(--text-sm);
  font-weight: 500;
}
.btn--link:hover { opacity: 0.75; }
.btn--link::after { content: ' →'; }
.btn--sm { padding: 0.625rem 1.35rem; font-size: var(--text-xs); }
.btn--lg { padding: 1.1rem 2.5rem; font-size: var(--text-base); }

.btn-row { display: flex; gap: 0.875rem; flex-wrap: wrap; align-items: center; }

/* ============================================
   HERO — DARK (Primary)
   ============================================ */
.hero-dark {
  background: var(--navy);
  background-image:
    radial-gradient(ellipse 90% 70% at 80% -20%, rgba(26,71,208,0.13) 0%, transparent 55%),
    radial-gradient(ellipse 60% 50% at -10% 110%, rgba(26,71,208,0.07) 0%, transparent 50%);
  padding: 7rem 0 5.5rem;
  position: relative;
  overflow: hidden;
}
.hero-dark::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 1px;
  background: var(--border-dark);
}
.hero-dark__layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 380px;
  gap: var(--s-16);
  align-items: start;
}
.hero-dark__content { position: relative; z-index: 1; }
.hero-dark h1 {
  color: var(--white);
  margin-bottom: var(--s-6);
}
.hero-dark h1 em {
  font-style: italic;
  color: #93c5fd;
}
.hero-dark__sub {
  font-size: 1.15rem;
  line-height: 1.78;
  color: var(--text-dim);
  margin-bottom: var(--s-8);
  max-width: 520px;
}
.hero-dark__actions { margin-bottom: var(--s-8); }

/* Hero stat bar */
.hero-dark__stats {
  margin-top: var(--s-10);
  padding-top: var(--s-8);
  border-top: 1px solid var(--border-dark);
  display: flex;
  gap: var(--s-10);
  flex-wrap: wrap;
}
.hero-dark__stat {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}
.hero-dark__stat-value {
  font-family: var(--serif);
  font-size: 1.75rem;
  color: var(--white);
  line-height: 1;
  letter-spacing: -0.02em;
  font-weight: 500;
}
.hero-dark__stat-label {
  font-size: var(--text-xs);
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-muted);
  max-width: 20ch;
  line-height: 1.4;
}

/* Chip row */
.chip-row { display: flex; gap: 0.5rem; flex-wrap: wrap; margin-bottom: var(--s-8); }
.chip {
  display: inline-flex;
  align-items: center;
  padding: 0.375rem 0.85rem;
  border: 1px solid var(--border-dark-2);
  background: rgba(255,255,255,0.04);
  color: var(--text-on-dark);
  font-size: var(--text-xs);
  font-weight: 500;
  letter-spacing: 0.02em;
  border-radius: var(--r-pill);
}

/* Hero card (dark) */
.hero-card {
  background: linear-gradient(145deg, rgba(255,255,255,0.08) 0%, rgba(255,255,255,0.03) 100%);
  border: 1px solid var(--border-dark-2);
  border-radius: var(--r-xl);
  padding: 2rem;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  box-shadow: 0 24px 64px rgba(7,17,31,0.25), inset 0 1px 0 rgba(255,255,255,0.07);
  position: relative;
  z-index: 1;
}
.hero-card__label {
  display: block;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #93c5fd;
  margin-bottom: var(--s-4);
}
.hero-card h3 {
  font-family: var(--sans);
  font-size: 1.02rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: var(--s-3);
  letter-spacing: -0.01em;
}
.hero-card p {
  font-size: var(--text-sm);
  line-height: 1.7;
  color: var(--text-dim);
  max-width: none;
  margin-bottom: var(--s-5);
}
.hero-card__list {
  list-style: none;
  margin-bottom: var(--s-5);
}
.hero-card__list li {
  padding: 0.75rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  font-size: var(--text-sm);
  line-height: 1.6;
  color: var(--text-on-dark);
  display: flex;
  align-items: baseline;
  gap: 0.7rem;
}
.hero-card__list li:last-child { border-bottom: none; }
.hero-card__list li::before {
  content: '';
  width: 5px; height: 5px;
  background: #60a5fa;
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 0.35rem;
}
.hero-card__list strong { color: var(--white); font-weight: 600; }
.hero-card__note {
  display: block;
  font-size: 0.78rem;
  color: var(--text-muted);
  padding-top: var(--s-4);
  border-top: 1px solid rgba(255,255,255,0.07);
  line-height: 1.55;
}

/* ============================================
   HERO — LIGHT
   ============================================ */
.hero-light {
  padding: 5.5rem 0 4.5rem;
  background: linear-gradient(180deg, var(--ground) 0%, var(--surface) 60%);
  border-bottom: 1px solid var(--border-light);
}
.hero-light__layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 360px;
  gap: var(--s-16);
  align-items: start;
}
.hero-light h1 { margin-bottom: var(--s-5); }
.hero-light__sub {
  font-size: 1.1rem;
  line-height: 1.8;
  color: var(--text-2);
  margin-bottom: var(--s-8);
  max-width: 520px;
}
.hero-light__card {
  padding: 2rem;
  border: 1px solid var(--border-light);
  background: var(--surface);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-md);
}
.hero-light__card-label {
  display: block;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: var(--s-4);
}
.hero-light__card h3 { margin-bottom: var(--s-3); font-size: 1.05rem; }
.hero-light__card p { font-size: var(--text-sm); line-height: 1.7; max-width: none; margin-bottom: var(--s-4); }
.hero-light__card-list { list-style: none; }
.hero-light__card-list li {
  padding: 0.7rem 0;
  border-bottom: 1px solid var(--border-subtle);
  font-size: var(--text-sm);
  color: var(--text-2);
  line-height: 1.6;
  display: flex;
  align-items: baseline;
  gap: 0.65rem;
}
.hero-light__card-list li:last-child { border-bottom: none; }
.hero-light__card-list li::before {
  content: '';
  width: 5px; height: 5px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 0.38rem;
}
.hero-light__card-list strong { color: var(--ink); font-weight: 600; }
.hero-light__card-note {
  display: block;
  font-size: 0.78rem;
  color: var(--text-3);
  padding-top: var(--s-4);
  border-top: 1px solid var(--border-light);
  line-height: 1.55;
  margin-top: var(--s-2);
}

/* ============================================
   CONTEXT / REGULATORY BAR
   ============================================ */
.reg-bar {
  background: var(--ground);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  padding: 1.1rem 0;
}
.reg-bar__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--s-8);
  flex-wrap: wrap;
}
.reg-bar__item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--text-3);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.reg-bar__dot {
  width: 4px; height: 4px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
}

/* ============================================
   EDITORIAL ROWS — Key differentiator
   ============================================ */
.editorial-list {
  border-top: 1px solid var(--border);
}
.editorial-row {
  display: grid;
  grid-template-columns: 3.5rem 1fr;
  gap: var(--s-8);
  padding: var(--s-10) 0;
  border-bottom: 1px solid var(--border-light);
  align-items: baseline;
}
.editorial-row__num {
  font-family: var(--serif);
  font-size: 4.5rem;
  font-weight: 400;
  color: var(--border-light);
  line-height: 0.9;
  letter-spacing: -0.04em;
  padding-top: 0.1rem;
  user-select: none;
}
.editorial-row__content h3 { margin-bottom: 0.6rem; }
.editorial-row__content p {
  font-size: 0.95rem;
  line-height: 1.78;
  max-width: 62ch;
}

/* Editorial variant with 3 cols */
.editorial-row--wide {
  grid-template-columns: 3.5rem 1fr 1fr;
  gap: var(--s-8) var(--s-12);
}
.editorial-row--action {
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  padding-top: 0.25rem;
}

/* ============================================
   SERVICE ROWS — Offer display (editorial)
   ============================================ */
.service-list { }
.service-row {
  padding: var(--s-12) 0;
  border-bottom: 1px solid var(--border-light);
}
.service-row:first-child { border-top: 1px solid var(--border); }
.service-row__header {
  display: flex;
  align-items: baseline;
  gap: var(--s-5);
  margin-bottom: var(--s-4);
  flex-wrap: wrap;
}
.service-row__tag {
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent);
  padding: 0.3rem 0.65rem;
  background: var(--accent-light);
  border: 1px solid var(--accent-subtle);
  border-radius: var(--r-sm);
}
.service-row__name {
  font-family: var(--serif);
  font-size: 1.65rem;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: -0.015em;
  line-height: 1.1;
}
.service-row__price {
  margin-left: auto;
  font-family: var(--serif);
  font-size: 1.1rem;
  font-weight: 500;
  color: var(--text-2);
  letter-spacing: -0.01em;
  white-space: nowrap;
}
.service-row__body {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: var(--s-10);
  align-items: start;
}
.service-row__desc {
  font-size: 1rem;
  line-height: 1.8;
  color: var(--text-2);
  max-width: none;
  margin-bottom: var(--s-5);
}
.service-row__delivers {
  list-style: none;
}
.service-row__delivers li {
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--border-subtle);
  font-size: var(--text-sm);
  color: var(--text-2);
  line-height: 1.55;
  display: flex;
  align-items: baseline;
  gap: 0.6rem;
}
.service-row__delivers li:last-child { border-bottom: none; }
.service-row__delivers li::before {
  content: '';
  width: 4px; height: 4px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 0.4rem;
}

/* ============================================
   SPEC TABLE — Deliverables (data-sheet feel)
   ============================================ */
.spec-table {
  width: 100%;
  border-collapse: collapse;
  border-top: 2px solid var(--ink);
}
.spec-table th {
  padding: 0.75rem 1rem 0.75rem 0;
  font-family: var(--sans);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-3);
  text-align: left;
  border-bottom: 1px solid var(--border);
}
.spec-table td {
  padding: 1rem 1rem 1rem 0;
  font-size: var(--text-sm);
  color: var(--text-2);
  border-bottom: 1px solid var(--border-light);
  vertical-align: top;
  line-height: 1.6;
}
.spec-table tr:last-child td { border-bottom: none; }
.spec-table__name {
  font-weight: 600;
  color: var(--ink);
  font-size: var(--text-sm);
  white-space: nowrap;
}
.spec-table__meta {
  font-size: var(--text-xs);
  color: var(--text-3);
  font-weight: 500;
  margin-top: 0.2rem;
}

/* ============================================
   PROCESS TIMELINE — numbered steps
   ============================================ */
.process-list { border-top: 1px solid var(--border); }
.process-item {
  display: grid;
  grid-template-columns: 5.5rem 1fr;
  gap: var(--s-8);
  padding: var(--s-8) 0;
  border-bottom: 1px solid var(--border-light);
  align-items: baseline;
}
.process-item__num {
  font-family: var(--serif);
  font-size: 3.25rem;
  font-weight: 400;
  color: var(--border-light);
  line-height: 0.9;
  letter-spacing: -0.03em;
  user-select: none;
}
.process-item h4 {
  margin-bottom: 0.5rem;
  font-size: 0.97rem;
  font-weight: 600;
}
.process-item p {
  font-size: 0.92rem;
  line-height: 1.75;
  max-width: 56ch;
}
.process-item__tag {
  display: inline-block;
  margin-bottom: 0.5rem;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent);
}

/* ============================================
   STAT / NUMBER BAND
   ============================================ */
.stat-band {
  background: var(--navy);
  padding: var(--s-16) 0;
}
.stat-band__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--s-8);
}
.stat-band__item {
  padding: 0 var(--s-5);
  border-left: 1px solid var(--border-dark);
}
.stat-band__item:first-child { border-left: none; padding-left: 0; }
.stat-band__value {
  font-family: var(--serif);
  font-size: 3rem;
  color: var(--white);
  line-height: 1;
  letter-spacing: -0.03em;
  font-weight: 500;
  margin-bottom: 0.5rem;
}
.stat-band__value--md {
  font-size: 1.75rem;
  letter-spacing: -0.02em;
  line-height: 1.1;
}
.stat-band__label {
  font-size: var(--text-xs);
  font-weight: 500;
  color: var(--text-muted);
  line-height: 1.45;
  letter-spacing: 0.02em;
}

/* ============================================
   TRUST GRID — Key facts
   ============================================ */
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.trust-cell {
  padding: 2rem 1.75rem;
  border-right: 1px solid var(--border-light);
  background: var(--surface);
  transition: background var(--t-fast);
}
.trust-cell:last-child { border-right: none; }
.trust-cell:hover { background: var(--ground); }
.trust-cell__eyebrow {
  display: block;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-3);
  margin-bottom: 0.6rem;
}
.trust-cell__value {
  display: block;
  font-family: var(--serif);
  font-size: 1.35rem;
  color: var(--ink);
  line-height: 1.15;
  letter-spacing: -0.015em;
  margin-bottom: 0.5rem;
}
.trust-cell p {
  font-size: var(--text-sm);
  line-height: 1.6;
  color: var(--text-2);
  max-width: none;
}

/* ============================================
   PERSONA / ROLE CARDS
   ============================================ */
.role-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--border-light);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  overflow: hidden;
}
.role-card {
  padding: 2.25rem 2rem;
  background: var(--surface);
}
.role-card__tag {
  display: inline-flex;
  margin-bottom: var(--s-5);
  padding: 0.35rem 0.8rem;
  background: var(--accent-light);
  border: 1px solid var(--accent-subtle);
  border-radius: var(--r-pill);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent);
}
.role-card h3 {
  font-size: 1.05rem;
  margin-bottom: 0.75rem;
}
.role-card p {
  font-size: var(--text-sm);
  line-height: 1.72;
  max-width: none;
  margin-bottom: var(--s-5);
}
.role-card__list { list-style: none; border-top: 1px solid var(--border-subtle); padding-top: var(--s-5); }
.role-card__list li {
  padding: 0.45rem 0;
  font-size: var(--text-sm);
  color: var(--text-2);
  line-height: 1.5;
  display: flex;
  align-items: baseline;
  gap: 0.6rem;
}
.role-card__list li::before {
  content: '';
  width: 4px; height: 4px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 0.4rem;
}

/* ============================================
   OFFER CARDS — Decision grid
   ============================================ */
.offer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.offer-card {
  background: var(--surface);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 2.5rem 2.25rem;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--t-base), transform var(--t-base);
}
.offer-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.offer-card--featured {
  background: var(--navy);
  border-color: transparent;
  box-shadow: var(--shadow-xl);
}
.offer-card--featured:hover {
  box-shadow: 0 28px 70px rgba(7,17,31,0.22), 0 10px 30px rgba(7,17,31,0.12);
}
.offer-card__tag {
  display: inline-flex;
  align-self: flex-start;
  margin-bottom: var(--s-5);
  padding: 0.35rem 0.7rem;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent);
  background: var(--accent-light);
  border: 1px solid var(--accent-subtle);
  border-radius: var(--r-sm);
}
.offer-card--featured .offer-card__tag {
  color: #93c5fd;
  background: rgba(147,197,253,0.1);
  border-color: rgba(147,197,253,0.25);
}
.offer-card__name {
  font-family: var(--serif);
  font-size: 1.35rem;
  font-weight: 500;
  color: var(--ink);
  margin-bottom: 0.6rem;
  letter-spacing: -0.015em;
  line-height: 1.2;
}
.offer-card--featured .offer-card__name { color: var(--white); }
.offer-card__sub {
  font-size: var(--text-sm);
  color: var(--text-3);
  font-weight: 500;
  margin-bottom: var(--s-5);
  letter-spacing: 0.02em;
}
.offer-card--featured .offer-card__sub { color: var(--text-muted); }
.offer-card p {
  font-size: 0.92rem;
  line-height: 1.75;
  color: var(--text-2);
  max-width: none;
  margin-bottom: var(--s-5);
  flex-grow: 1;
}
.offer-card--featured p { color: var(--text-dim); }
.offer-card__price {
  font-family: var(--serif);
  font-size: 1.4rem;
  color: var(--ink);
  letter-spacing: -0.02em;
  margin-bottom: 0.25rem;
}
.offer-card--featured .offer-card__price { color: var(--white); }
.offer-card__duration {
  font-size: var(--text-xs);
  color: var(--text-3);
  font-weight: 500;
  margin-bottom: var(--s-6);
}
.offer-card--featured .offer-card__duration { color: var(--text-muted); }
.offer-card__list {
  list-style: none;
  border-top: 1px solid var(--border-subtle);
  padding-top: var(--s-5);
  margin-bottom: var(--s-6);
}
.offer-card--featured .offer-card__list { border-top-color: var(--border-dark); }
.offer-card__list li {
  padding: 0.55rem 0;
  border-bottom: 1px solid var(--border-subtle);
  font-size: var(--text-sm);
  color: var(--text-2);
  line-height: 1.55;
  display: flex;
  align-items: baseline;
  gap: 0.65rem;
}
.offer-card--featured .offer-card__list li {
  border-bottom-color: var(--border-dark);
  color: var(--text-dim);
}
.offer-card__list li:last-child { border-bottom: none; }
.offer-card__list li::before {
  content: '';
  width: 4px; height: 4px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 0.4rem;
}
.offer-card--featured .offer-card__list li::before { background: #60a5fa; }
.offer-card__footer { margin-top: auto; }

/* ============================================
   FEATURE ROW — two-column with detail
   ============================================ */
.feature-rows { border-top: 1px solid var(--border); }
.feature-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s-16);
  padding: var(--s-10) 0;
  border-bottom: 1px solid var(--border-light);
  align-items: start;
}
.feature-row:last-child { border-bottom: none; }
.feature-row__label {
  display: block;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: var(--s-4);
}
.feature-row h3 { margin-bottom: var(--s-4); }
.feature-row p { font-size: 0.95rem; line-height: 1.8; max-width: none; }
.feature-row__aside {
  background: var(--ground);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  padding: 1.75rem;
}
.feature-row__aside h4 { margin-bottom: var(--s-4); font-size: 0.9rem; }
.feature-row__aside-list { list-style: none; }
.feature-row__aside-list li {
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--border-subtle);
  font-size: var(--text-sm);
  color: var(--text-2);
  line-height: 1.55;
  display: flex;
  align-items: baseline;
  gap: 0.65rem;
}
.feature-row__aside-list li:last-child { border-bottom: none; }
.feature-row__aside-list li::before {
  content: '';
  width: 4px; height: 4px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 0.4rem;
}

/* ============================================
   DELIVERABLE DETAIL
   ============================================ */
.deliverable-list { border-top: 1px solid var(--border); }
.deliverable-row {
  display: grid;
  grid-template-columns: 5rem 1fr;
  gap: var(--s-10);
  padding: var(--s-8) 0;
  border-bottom: 1px solid var(--border-light);
  align-items: baseline;
}
.deliverable-row__num {
  font-family: var(--serif);
  font-size: 4rem;
  color: var(--border-light);
  line-height: 0.9;
  letter-spacing: -0.03em;
  user-select: none;
}
.deliverable-row h4 { margin-bottom: 0.45rem; font-size: 0.97rem; }
.deliverable-row p { font-size: 0.92rem; line-height: 1.72; max-width: none; }

/* ============================================
   PROOF / EVIDENCE CARDS
   ============================================ */
.proof-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.proof-grid--2 { grid-template-columns: repeat(2, 1fr); }
.proof-card {
  padding: 1.75rem;
  border: 1px solid var(--border-light);
  background: var(--surface);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-xs);
  transition: box-shadow var(--t-base), border-color var(--t-base);
}
.proof-card:hover { box-shadow: var(--shadow-md); border-color: var(--border); }
.proof-card__num {
  display: block;
  margin-bottom: var(--s-4);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
}
.proof-card h4 { margin-bottom: 0.6rem; font-size: 0.97rem; }
.proof-card p { font-size: var(--text-sm); line-height: 1.68; max-width: none; }

/* ============================================
   FACT GRID
   ============================================ */
.fact-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.fact-card {
  padding: 1.75rem;
  background: var(--surface);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-xs);
}
.fact-card__label {
  display: block;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-3);
  margin-bottom: 0.5rem;
}
.fact-card__value {
  display: block;
  font-family: var(--serif);
  font-size: 1.55rem;
  color: var(--ink);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 0.4rem;
}
.fact-card p { font-size: var(--text-sm); line-height: 1.6; max-width: none; }

/* ============================================
   HIGHLIGHT BOX / CALLOUT
   ============================================ */
.callout {
  background: var(--tint-blue);
  border-left: 3px solid var(--accent);
  padding: 1.75rem 2rem;
  border-radius: 0 var(--r-md) var(--r-md) 0;
  margin: var(--s-8) 0;
}
.callout p { font-size: 1rem; line-height: 1.8; color: var(--text); max-width: none; }
.callout strong { color: var(--ink); }
.callout--dark {
  background: var(--navy-mid);
  border-left-color: #60a5fa;
}
.callout--dark p { color: var(--text-dim); }

/* Statement / big quote */
.statement {
  font-family: var(--serif);
  font-size: clamp(1.5rem, 2.8vw, 2.25rem);
  font-weight: 400;
  line-height: 1.4;
  color: var(--ink);
  letter-spacing: -0.015em;
  font-style: italic;
  max-width: 680px;
}

/* ============================================
   REGULATORY GRID
   ============================================ */
.reg-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.reg-card {
  padding: 2rem;
  border: 1px solid var(--border-light);
  background: var(--surface);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-xs);
  transition: box-shadow var(--t-base);
}
.reg-card:hover { box-shadow: var(--shadow-md); }
.reg-card__tag {
  display: inline-flex;
  margin-bottom: var(--s-4);
  padding: 0.3rem 0.65rem;
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  border-radius: var(--r-sm);
}
.reg-card__tag--blue { color: var(--accent); background: var(--accent-light); border: 1px solid var(--accent-subtle); }
.reg-card__tag--navy { color: var(--text-on-dark); background: var(--navy); }
.reg-card__tag--purple { color: #5b21b6; background: #f3e8ff; border: 1px solid #e9d5ff; }
.reg-card__tag--green { color: #065f46; background: #d1fae5; border: 1px solid #a7f3d0; }
.reg-card h4 { margin-bottom: 0.6rem; font-size: 0.97rem; }
.reg-card p { font-size: var(--text-sm); line-height: 1.68; max-width: none; }

/* ============================================
   FAQ ACCORDION
   ============================================ */
.faq-list { max-width: 760px; }
.faq-item { border-bottom: 1px solid var(--border-light); }
.faq-item:first-child { border-top: 1px solid var(--border); }
.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 1.5rem 0;
  font-family: var(--sans);
  font-size: 1rem;
  font-weight: 600;
  color: var(--ink);
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--s-6);
  line-height: 1.4;
  transition: color var(--t-fast);
}
.faq-question:hover { color: var(--accent); }
.faq-icon {
  flex-shrink: 0;
  width: 20px; height: 20px;
  position: relative;
  transition: transform var(--t-base);
}
.faq-icon::before, .faq-icon::after {
  content: '';
  position: absolute;
  background: var(--text-3);
  transition: transform var(--t-base), opacity var(--t-fast);
}
.faq-icon::before { top: 50%; left: 0; width: 100%; height: 1.5px; transform: translateY(-50%); }
.faq-icon::after  { top: 0; left: 50%; width: 1.5px; height: 100%; transform: translateX(-50%); }
.faq-item.active .faq-icon::after { transform: translateX(-50%) rotate(90deg); opacity: 0; }
.faq-answer { padding: 0 0 1.75rem; }
.faq-answer[hidden] { display: none; }
.faq-item.active .faq-answer { display: block; }
.faq-answer p { font-size: 0.95rem; line-height: 1.8; color: var(--text-2); max-width: none; }
.faq-answer p + p { margin-top: 0.75rem; }

/* ============================================
   CTA SECTIONS
   ============================================ */
.cta-section {
  padding: var(--s-32) 0;
  background: linear-gradient(180deg, var(--ground) 0%, var(--surface) 100%);
  border-top: 1px solid var(--border-light);
}
.cta-section__inner { max-width: 600px; }
.cta-section h2 { margin-bottom: var(--s-4); }
.cta-section p {
  font-size: 1.05rem;
  line-height: 1.8;
  margin-bottom: var(--s-8);
  max-width: 54ch;
}

/* CTA Banner (dark) */
.cta-banner {
  background: linear-gradient(135deg, var(--ink) 0%, var(--navy) 50%, #0f2050 100%);
  padding: var(--s-20) 0;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: 0; right: 0;
  width: 55%; height: 100%;
  background: radial-gradient(ellipse at 80% 50%, rgba(26,71,208,0.15) 0%, transparent 60%);
  pointer-events: none;
}
.cta-banner__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--s-8);
  position: relative;
  z-index: 1;
}
.cta-banner h2 {
  color: var(--white);
  font-size: clamp(1.6rem, 2.8vw, 2.2rem);
  margin-bottom: 0.6rem;
}
.cta-banner p {
  color: var(--text-dim);
  font-size: 1.02rem;
  max-width: 480px;
}
.cta-banner__actions { flex-shrink: 0; display: flex; gap: 0.875rem; flex-wrap: wrap; }

/* ============================================
   CONTACT / FORM
   ============================================ */
.contact-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 360px;
  gap: var(--s-20);
  align-items: start;
}
.form { max-width: 520px; }
.form__group { margin-bottom: var(--s-6); }
.form__label {
  display: block;
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--ink);
  margin-bottom: var(--s-2);
}
.form__hint { font-weight: 400; color: var(--text-3); }
.form__input, .form__textarea, .form__select {
  width: 100%;
  padding: 0.875rem 1rem;
  font-family: var(--sans);
  font-size: 0.92rem;
  color: var(--text);
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  transition: border-color var(--t-fast), box-shadow var(--t-fast);
  appearance: none;
}
.form__input:focus, .form__textarea:focus, .form__select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(26,71,208,0.1);
}
.form__textarea { resize: vertical; min-height: 140px; }
.form__note {
  margin-bottom: var(--s-6);
  padding: 1rem 1.25rem;
  border: 1px solid var(--border-light);
  background: var(--ground);
  border-radius: var(--r-sm);
  font-size: var(--text-sm);
  line-height: 1.65;
  color: var(--text-2);
}
.form__actions { display: flex; gap: 0.875rem; flex-wrap: wrap; align-items: center; margin-top: var(--s-2); }
.form__submit {
  display: inline-flex;
  align-items: center;
  font-family: var(--sans);
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--white);
  background: var(--accent);
  padding: 0.875rem 2.25rem;
  border: none;
  border-radius: var(--r-sm);
  cursor: pointer;
  transition: background var(--t-fast), box-shadow var(--t-fast);
  box-shadow: 0 1px 3px rgba(26,71,208,0.25);
}
.form__submit:hover {
  background: var(--accent-hover);
  box-shadow: 0 4px 12px rgba(26,71,208,0.3);
}
.form__status {
  min-height: 1.5rem;
  margin-top: var(--s-4);
  font-size: var(--text-sm);
  line-height: 1.55;
  color: var(--text-2);
}
.form__status[data-state="success"] { color: var(--success); }
.form__status[data-state="error"]   { color: var(--warning); }

/* Contact sidebar */
.contact-card {
  padding: 1.75rem;
  border: 1px solid var(--border-light);
  background: var(--surface);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-xs);
}
.contact-card + .contact-card { margin-top: var(--s-4); }
.contact-card h3 { margin-bottom: 0.7rem; font-size: 0.97rem; }
.contact-card p { font-size: var(--text-sm); line-height: 1.68; max-width: none; }
.contact-card__steps { list-style: none; border-top: 1px solid var(--border-light); margin-top: var(--s-4); padding-top: var(--s-2); }
.contact-card__steps li {
  padding: var(--s-4) 0;
  border-bottom: 1px solid var(--border-subtle);
  font-size: var(--text-sm);
  color: var(--text-2);
  line-height: 1.6;
}
.contact-card__steps strong { display: block; color: var(--ink); font-weight: 600; margin-bottom: 0.15rem; font-size: 0.9rem; }
.contact-card__link {
  display: inline-flex;
  margin-top: var(--s-3);
  color: var(--accent);
  font-weight: 500;
  font-size: 0.92rem;
}

/* ============================================
   BLOG / INSIGHTS
   ============================================ */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.blog-card {
  display: flex;
  flex-direction: column;
  border: 1px solid var(--border-light);
  background: var(--surface);
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xs);
  transition: box-shadow var(--t-base), transform var(--t-base);
}
.blog-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.blog-card__image {
  height: 180px;
  background: var(--ground);
  display: flex;
  align-items: center;
  justify-content: center;
  border-bottom: 1px solid var(--border-light);
}
.blog-card__image-num {
  font-family: var(--serif);
  font-size: 3rem;
  color: var(--border);
  opacity: 0.4;
  font-weight: 400;
  letter-spacing: -0.03em;
}
.blog-card__body { padding: 1.75rem; display: flex; flex-direction: column; flex-grow: 1; }
.blog-card__cat {
  display: inline-flex;
  align-self: flex-start;
  margin-bottom: var(--s-3);
  padding: 0.3rem 0.65rem;
  border: 1px solid var(--accent-subtle);
  background: var(--accent-light);
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent);
  border-radius: var(--r-sm);
}
.blog-card__title {
  font-family: var(--serif);
  font-size: 1.15rem;
  font-weight: 500;
  color: var(--ink);
  line-height: 1.28;
  margin-bottom: 0.7rem;
  letter-spacing: -0.01em;
}
.blog-card__excerpt {
  font-size: var(--text-sm);
  line-height: 1.65;
  color: var(--text-2);
  margin-bottom: var(--s-5);
  flex-grow: 1;
}
.blog-card__meta {
  font-size: 0.75rem;
  color: var(--text-3);
  font-weight: 500;
  letter-spacing: 0.02em;
  padding-top: var(--s-4);
  border-top: 1px solid var(--border-subtle);
  margin-top: auto;
}
.blog-card a { text-decoration: none; color: inherit; }

/* ============================================
   ARTICLE PAGE
   ============================================ */
.article-header {
  padding: 5rem 0 3.5rem;
  background: linear-gradient(180deg, var(--ground) 0%, var(--surface) 100%);
  border-bottom: 1px solid var(--border-light);
}
.article-header h1 {
  font-size: clamp(2rem, 4vw, 3.25rem);
  margin-bottom: var(--s-5);
  max-width: 720px;
}
.article-header__meta {
  font-size: var(--text-sm);
  color: var(--text-3);
  font-weight: 500;
}
.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: var(--s-20);
  align-items: start;
}
.article-body h2 {
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  margin-top: var(--s-12);
  margin-bottom: var(--s-4);
}
.article-body h3 {
  font-family: var(--serif);
  font-size: 1.3rem;
  margin-top: var(--s-8);
  margin-bottom: var(--s-3);
}
.article-body p {
  font-size: 1.02rem;
  line-height: 1.88;
  margin-bottom: var(--s-5);
  max-width: none;
}
.article-body ul, .article-body ol { margin-bottom: var(--s-6); padding-left: 1.35rem; }
.article-body li { font-size: 1rem; line-height: 1.8; margin-bottom: 0.5rem; }
.article-body blockquote {
  margin: var(--s-8) 0;
  padding: 1.5rem 2rem;
  border-left: 3px solid var(--accent);
  background: var(--tint-blue);
  border-radius: 0 var(--r-md) var(--r-md) 0;
}
.article-body blockquote p { font-style: italic; color: var(--text); margin-bottom: 0; }
.article-sidebar { position: sticky; top: 88px; }
.article-sidebar__card {
  padding: 1.75rem;
  border: 1px solid var(--border-light);
  background: var(--surface);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-xs);
}
.article-sidebar__card + .article-sidebar__card { margin-top: var(--s-4); }
.article-sidebar__card h3 { margin-bottom: var(--s-3); font-size: 0.95rem; }
.article-sidebar__card p { font-size: var(--text-sm); line-height: 1.6; max-width: none; }
.article-sidebar__links { list-style: none; }
.article-sidebar__links li { padding: 0.55rem 0; border-bottom: 1px solid var(--border-subtle); }
.article-sidebar__links li:last-child { border-bottom: none; }
.article-sidebar__links a { font-size: var(--text-sm); color: var(--accent); font-weight: 500; }

/* ============================================
   SCOPE COMPARISON
   ============================================ */
.scope-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-16); }
.scope-col h3 {
  font-family: var(--sans);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-3);
  margin-bottom: var(--s-5);
  padding-bottom: var(--s-4);
  border-bottom: 1px solid var(--border);
}
.scope-list { list-style: none; }
.scope-list li {
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--border-subtle);
  font-size: 0.92rem;
  color: var(--text-2);
  line-height: 1.55;
  display: flex;
  align-items: baseline;
  gap: 0.75rem;
}
.scope-list li:last-child { border-bottom: none; }
.scope-list--yes li::before {
  content: '';
  display: inline-block;
  width: 6px; height: 6px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
}
.scope-list--no li::before { content: '—'; color: var(--text-3); font-size: 0.85rem; }

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--ink);
  padding: var(--s-16) 0;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.footer__grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr 1fr;
  gap: var(--s-10);
  padding-bottom: var(--s-10);
  border-bottom: 1px solid rgba(255,255,255,0.07);
  margin-bottom: var(--s-8);
}
.footer__brand { grid-column: span 1; }
.footer__brand-logo { display: flex; align-items: center; gap: 0.65rem; margin-bottom: var(--s-4); }
.footer__brand-logo img { height: 36px; width: auto; filter: brightness(0) invert(1) opacity(0.85); }
.footer__brand-name {
  font-family: var(--serif);
  font-size: 1.1rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  letter-spacing: -0.02em;
}
.footer__tagline {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.4);
  line-height: 1.6;
  max-width: none;
}
.footer__col h4 {
  font-family: var(--sans);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: var(--s-5);
}
.footer__links { list-style: none; display: flex; flex-direction: column; gap: 0.65rem; }
.footer__links a {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  transition: color var(--t-fast);
  line-height: 1;
}
.footer__links a:hover { color: rgba(255,255,255,0.9); }
.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--s-5);
}
.footer__copy {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.3);
}
.footer__legal { display: flex; gap: var(--s-5); list-style: none; }
.footer__legal a {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.35);
  text-decoration: none;
}
.footer__legal a:hover { color: rgba(255,255,255,0.7); }

/* ============================================
   LEGAL PAGES
   ============================================ */
.legal-content {
  max-width: 720px;
}
.legal-content h2 {
  font-family: var(--sans);
  font-size: 1.1rem;
  font-weight: 600;
  margin-top: var(--s-10);
  margin-bottom: var(--s-3);
  color: var(--ink);
}
.legal-content h2:first-child { margin-top: 0; }
.legal-content p, .legal-content li { font-size: 0.92rem; line-height: 1.78; color: var(--text-2); }
.legal-content ul { margin-bottom: var(--s-5); }
.legal-content li + li { margin-top: 0.4rem; }

/* ============================================
   HERO — CENTERED VARIANT
   ============================================ */
.hero-centered {
  padding: 5.5rem 0 4rem;
  background: linear-gradient(180deg, var(--ground) 0%, var(--surface) 60%);
  border-bottom: 1px solid var(--border-light);
  text-align: center;
}
.hero-centered h1 { margin-bottom: var(--s-5); }
.hero-centered p {
  font-size: 1.1rem;
  line-height: 1.8;
  color: var(--text-2);
  margin: 0 auto var(--s-8);
  max-width: 580px;
}

/* ============================================
   OFFER DETAIL META
   ============================================ */
.offer-meta {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  margin: var(--s-8) 0;
}
.offer-meta__cell {
  padding: 1.75rem;
  border-right: 1px solid var(--border-light);
  background: var(--surface);
}
.offer-meta__cell:last-child { border-right: none; }
.offer-meta__label {
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-3);
  margin-bottom: 0.5rem;
  display: block;
}
.offer-meta__value {
  font-family: var(--serif);
  font-size: 1.45rem;
  color: var(--ink);
  letter-spacing: -0.02em;
  line-height: 1.15;
}

/* ============================================
   PERSONA GRID
   ============================================ */
.persona-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.persona-card {
  padding: 2.25rem;
  border: 1px solid var(--border-light);
  background: var(--surface);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--t-base), transform var(--t-base);
}
.persona-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.persona-card__role {
  display: inline-flex;
  margin-bottom: var(--s-4);
  padding: 0.4rem 0.85rem;
  border: 1px solid var(--accent-subtle);
  background: var(--accent-light);
  border-radius: var(--r-pill);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent);
}
.persona-card h3 { margin-bottom: 0.75rem; font-size: 1.05rem; }
.persona-card p { font-size: 0.9rem; line-height: 1.72; max-width: none; margin-bottom: var(--s-5); }
.persona-card__needs { list-style: none; border-top: 1px solid var(--border-subtle); padding-top: var(--s-4); }
.persona-card__needs li {
  padding: 0.45rem 0;
  font-size: var(--text-sm);
  color: var(--text-2);
  line-height: 1.5;
  display: flex;
  align-items: baseline;
  gap: 0.6rem;
}
.persona-card__needs li::before {
  content: '';
  width: 4px; height: 4px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 0.42rem;
}

/* ============================================
   MISC UTILITIES
   ============================================ */
.text-center { text-align: center; }
.text-center .section-intro { margin-left: auto; margin-right: auto; }
.text-center p { margin-left: auto; margin-right: auto; }
.max-text { max-width: var(--container-text); }
.mt-8  { margin-top: var(--s-8);  }
.mt-10 { margin-top: var(--s-10); }
.mt-12 { margin-top: var(--s-12); }

/* Accessibility */
:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 3px;
  border-radius: 2px;
}
.skip-link {
  position: absolute;
  top: -100%;
  left: 1rem;
  background: var(--ink);
  color: var(--white);
  padding: 0.5rem 1rem;
  z-index: 999;
  font-size: var(--text-sm);
  border-radius: var(--r-sm);
}
.skip-link:focus { top: 0.5rem; }

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; animation: none !important; }
  html { scroll-behavior: auto; }
}

/* ============================================
   V10 — POSITIONING TEXT
   Large editorial statement for context sections
   ============================================ */
.positioning-block {
  padding: var(--s-20) 0;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}
.positioning-text {
  font-family: var(--serif);
  font-size: clamp(1.55rem, 2.6vw, 2.3rem);
  font-weight: 400;
  line-height: 1.42;
  color: var(--ink);
  letter-spacing: -0.018em;
  max-width: 820px;
}
.positioning-text strong {
  font-weight: 600;
}
.positioning-text em {
  font-style: italic;
  color: var(--text-2);
}

/* ============================================
   V10 — LIMITS GRID
   "Was wir bewusst nicht versprechen" section
   ============================================ */
.limits-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--shadow-xs);
}
.limits-item {
  padding: 2rem 2.25rem;
  border-right: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  background: var(--surface);
  transition: background var(--t-fast);
}
.limits-item:nth-child(even) { border-right: none; }
.limits-item:nth-last-child(-n+2) { border-bottom: none; }
.limits-item:hover { background: var(--ground); }
.limits-item__label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-3);
  margin-bottom: 0.65rem;
}
.limits-item__label::before {
  content: '';
  display: inline-block;
  width: 6px; height: 6px;
  border: 1.5px solid var(--border);
  border-radius: 50%;
  flex-shrink: 0;
}
.limits-item h4 {
  font-size: 0.97rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 0.5rem;
  line-height: 1.3;
}
.limits-item p {
  font-size: var(--text-sm);
  line-height: 1.7;
  color: var(--text-2);
  max-width: none;
}

/* ============================================
   V10 — TRUST LINE
   Inline horizontal proof line / reg context
   ============================================ */
.trust-line {
  display: flex;
  align-items: center;
  gap: 0;
  padding: var(--s-5) 0;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  flex-wrap: wrap;
  row-gap: var(--s-3);
}
.trust-line__item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0 var(--s-5);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-3);
}
.trust-line__item:first-child { padding-left: 0; }
.trust-line__sep {
  width: 1px;
  height: 0.9rem;
  background: var(--border);
  flex-shrink: 0;
}
.trust-line__dot {
  width: 4px; height: 4px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
}

/* ============================================
   V10 — DIFFERENTIATOR LIST
   Left = others / Right = Certums comparison rows
   ============================================ */
.diff-list { border-top: 1px solid var(--border); }
.diff-item {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  border-bottom: 1px solid var(--border-light);
  align-items: stretch;
}
.diff-item__col {
  padding: var(--s-8) var(--s-6) var(--s-8) 0;
}
.diff-item__col + .diff-item__col {
  padding-left: var(--s-6);
  padding-right: 0;
  border-left: 1px solid var(--border-light);
}
.diff-item__tag {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-3);
  margin-bottom: 0.5rem;
}
.diff-item__col--certums .diff-item__tag {
  color: var(--accent);
}
.diff-item h4 {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 0.35rem;
}
.diff-item p {
  font-size: var(--text-sm);
  line-height: 1.68;
  max-width: none;
}

/* ============================================
   RESPONSIVE — 1024px
   ============================================ */
@media (max-width: 1024px) {
  :root { --gutter: 2rem; }
  .hero-dark__layout,
  .hero-light__layout { grid-template-columns: 1fr; gap: var(--s-10); }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .offer-grid { grid-template-columns: 1fr; max-width: 540px; }
  .role-grid { grid-template-columns: 1fr; }
  .reg-grid { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; gap: var(--s-10); }
  .article-layout { grid-template-columns: 1fr; gap: var(--s-10); }
  .article-sidebar { position: static; }
  .footer__grid { grid-template-columns: 1fr 1fr; gap: var(--s-8); }
  .footer__brand { grid-column: span 2; }
  .service-row__body { grid-template-columns: 1fr; gap: var(--s-5); }
  .diff-item { grid-template-columns: 1fr; }
  .diff-item__col + .diff-item__col {
    padding-left: 0;
    border-left: none;
    border-top: 1px solid var(--border-light);
  }
  .limits-grid { grid-template-columns: 1fr; }
  .limits-item { border-right: none; }
  .limits-item:nth-last-child(-n+2) { border-bottom: 1px solid var(--border-light); }
  .limits-item:last-child { border-bottom: none; }
}

/* ============================================
   RESPONSIVE — 768px
   ============================================ */
@media (max-width: 768px) {
  :root {
    --gutter: 1.25rem;
    --s-32: 5.5rem;
    --s-40: 7rem;
    --s-24: 4rem;
  }

  /* Nav */
  .nav__links {
    display: none;
    position: absolute;
    top: 70px; left: 0; right: 0;
    background: var(--surface);
    flex-direction: column;
    padding: 1.25rem var(--gutter);
    gap: 0.125rem;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-lg);
    z-index: 200;
  }
  .nav--dark .nav__links {
    background: var(--navy);
    border-bottom-color: var(--border-dark);
  }
  .nav__links.active { display: flex; }
  .nav__links li { width: 100%; }
  .nav__links a { display: block; padding: 0.75rem; border-radius: var(--r-sm); }
  .nav__cta { text-align: center; margin-top: 0.375rem; }
  .nav__toggle { display: flex; }

  /* Hero */
  .hero-dark { padding: 4rem 0 3.5rem; }
  .hero-dark__stats { gap: var(--s-6); }
  .hero-light { padding: 3.5rem 0 3rem; }
  .hero-centered { padding: 4rem 0 3rem; }
  .btn-row { gap: 0.75rem; }

  /* Grids */
  .split-grid,
  .split-grid--wide,
  .split-grid--wider { grid-template-columns: 1fr; gap: var(--s-8); }
  .proof-grid,
  .proof-grid--2,
  .fact-grid,
  .persona-grid,
  .blog-grid { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: 1fr; border-radius: 0; }
  .trust-cell { border-right: none; border-bottom: 1px solid var(--border-light); }
  .trust-cell:last-child { border-bottom: none; }
  .scope-grid { grid-template-columns: 1fr; gap: var(--s-8); }
  .feature-row { grid-template-columns: 1fr; gap: var(--s-5); }
  .reg-grid { grid-template-columns: 1fr; }
  .offer-grid { max-width: none; }
  .offer-meta { grid-template-columns: 1fr 1fr; }
  .offer-meta__cell { border-right: none; border-bottom: 1px solid var(--border-light); }
  .offer-meta__cell:nth-child(odd) { border-right: 1px solid var(--border-light); }
  .offer-meta__cell:nth-last-child(-n+2) { border-bottom: none; }
  .stat-band__grid { grid-template-columns: repeat(2, 1fr); gap: var(--s-5) var(--s-4); }
  .stat-band__item { border-left: none; padding-left: 0; }
  .editorial-row { grid-template-columns: 2.5rem 1fr; gap: var(--s-4); }
  .editorial-row--wide { grid-template-columns: 2.5rem 1fr; }
  .editorial-row__num { font-size: 1.5rem; }
  .process-item { grid-template-columns: 3.5rem 1fr; gap: var(--s-5); }
  .deliverable-row { grid-template-columns: 3.5rem 1fr; gap: var(--s-5); }
  .service-row__header { flex-wrap: wrap; }
  .service-row__price { margin-left: 0; }
  .cta-banner__inner { flex-direction: column; }
  .cta-banner__actions { width: 100%; }
  .footer__grid { grid-template-columns: 1fr; gap: var(--s-8); }
  .footer__brand { grid-column: span 1; }
  .footer--simple .footer__inner { flex-direction: column; gap: var(--s-4); text-align: center; }
  .contact-layout { grid-template-columns: 1fr; }
  .form { max-width: none; }
  .form__actions { flex-direction: column; align-items: stretch; }
  .btn-row { flex-direction: column; align-items: stretch; }
  .btn-row .btn { text-align: center; justify-content: center; }
  .spec-table { font-size: var(--text-sm); }
  h1 { letter-spacing: -0.02em; }
  .positioning-text { font-size: 1.35rem; }
  .trust-line { gap: 0; }
  .trust-line__item { padding: var(--s-2) var(--s-3); }
  .trust-line__sep { display: none; }
}