/* ============================================================
   Trust Investment Bank Limited — Redesign
   Editorial / Institutional aesthetic
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,300..900;1,9..144,300..900&family=Manrope:wght@300;400;500;600;700&display=swap');

:root {
  /* Brand indigo from official TIBL logo */
  --navy: #2D2A6E;
  --navy-deep: #1f1d52;
  --navy-soft: #3d3a8a;
  --cream: #f6f1e8;
  --cream-soft: #faf6ef;
  --paper: #ffffff;
  --gold: #b8893e;
  --gold-soft: #d4a85a;
  --slate: #5a5d78;
  --slate-soft: #8a8da8;
  --line: #e6dfd0;
  --line-dark: rgba(255, 255, 255, 0.14);

  --serif: 'Fraunces', Georgia, serif;
  --sans: 'Manrope', -apple-system, system-ui, sans-serif;

  --max: 1280px;
  --gutter: clamp(1.25rem, 4vw, 3rem);

  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--sans);
  font-weight: 400;
  font-size: 16px;
  line-height: 1.6;
  color: var(--navy);
  background: var(--cream);
  overflow-x: hidden;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

.container {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

/* ============== TYPOGRAPHY ============== */

.eyebrow {
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
}

.eyebrow::before {
  content: '';
  width: 28px;
  height: 1px;
  background: var(--gold);
}

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 400;
  line-height: 1.08;
  letter-spacing: -0.02em;
  font-variation-settings: "opsz" 96;
}

.display {
  font-family: var(--serif);
  font-weight: 350;
  font-size: clamp(2.6rem, 7vw, 5.6rem);
  line-height: 0.98;
  letter-spacing: -0.03em;
  font-variation-settings: "opsz" 144, "wght" 350;
}

.display em {
  font-style: italic;
  font-weight: 300;
  color: var(--gold);
  font-variation-settings: "opsz" 144, "wght" 300, "SOFT" 100;
}

.section-title {
  font-size: clamp(2rem, 4.5vw, 3.4rem);
  font-weight: 380;
  margin-bottom: 1.2rem;
}

.section-title em {
  font-style: italic;
  color: var(--gold);
  font-weight: 320;
}

.lead {
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  line-height: 1.65;
  color: var(--slate);
  font-weight: 400;
  max-width: 60ch;
}

p {
  font-size: 1.02rem;
  line-height: 1.7;
  color: var(--slate);
}

/* ============== HEADER / NAV ============== */

.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  padding: 1.4rem 0;
  transition: all 0.4s var(--ease);
  background: rgba(246, 241, 232, 0);
  backdrop-filter: blur(0);
}

.site-header.scrolled {
  background: rgba(246, 241, 232, 0.92);
  backdrop-filter: blur(14px);
  padding: 0.9rem 0;
  border-bottom: 1px solid var(--line);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.brand {
  font-family: var(--serif);
  font-size: 1.4rem;
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

.brand-mark {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  background: var(--paper);
  padding: 4px;
  border: 1px solid var(--line);
  flex-shrink: 0;
}

.brand-mark img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.site-header.scrolled .brand-mark {
  width: 42px;
  height: 42px;
  transition: all 0.4s var(--ease);
}

.brand-text { font-size: 1.1rem; }
.brand-text small {
  display: block;
  font-family: var(--sans);
  font-size: 0.65rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--slate);
  font-weight: 600;
  margin-top: 2px;
}

.nav-links {
  display: flex;
  list-style: none;
  gap: 2.2rem;
  align-items: center;
}

.nav-links a {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--navy);
  position: relative;
  padding: 0.4rem 0;
  transition: color 0.3s var(--ease);
}

.nav-links a::after {
  content: '';
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 1px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s var(--ease);
}

.nav-links a:hover::after,
.nav-links a.active::after { transform: scaleX(1); }
.nav-links a.active { color: var(--gold); }

.nav-cta {
  background: var(--navy);
  color: var(--cream);
  padding: 0.7rem 1.4rem;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  border: 1px solid var(--navy);
  transition: all 0.3s var(--ease);
}

.nav-cta:hover {
  background: transparent;
  color: var(--navy);
}

.menu-toggle {
  display: none;
  background: none;
  border: none;
  width: 28px;
  height: 22px;
  flex-direction: column;
  justify-content: space-between;
  cursor: pointer;
  padding: 0;
}

.menu-toggle span {
  display: block;
  height: 2px;
  background: var(--navy);
  transition: all 0.3s var(--ease);
}

.menu-toggle.open span:nth-child(1) { transform: translateY(10px) rotate(45deg); }
.menu-toggle.open span:nth-child(2) { opacity: 0; }
.menu-toggle.open span:nth-child(3) { transform: translateY(-10px) rotate(-45deg); }

/* ============== HERO ============== */

.hero {
  padding: 11rem 0 6rem;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background-image:
    radial-gradient(circle at 80% 20%, rgba(184, 137, 62, 0.06), transparent 50%),
    radial-gradient(circle at 10% 80%, rgba(10, 31, 61, 0.05), transparent 40%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr;
  gap: 4rem;
  align-items: end;
  position: relative;
}

.hero-eyebrow {
  margin-bottom: 2rem;
  animation: rise 0.9s var(--ease-out) both;
}

.hero h1 {
  margin-bottom: 2rem;
  animation: rise 0.9s 0.1s var(--ease-out) both;
}

.hero-sub {
  font-size: clamp(1.1rem, 1.6vw, 1.3rem);
  line-height: 1.55;
  color: var(--slate);
  max-width: 36ch;
  margin-bottom: 2.5rem;
  animation: rise 0.9s 0.2s var(--ease-out) both;
}

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  animation: rise 0.9s 0.3s var(--ease-out) both;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.95rem 1.8rem;
  font-family: var(--sans);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  border: 1px solid var(--navy);
  transition: all 0.4s var(--ease);
  cursor: pointer;
}

.btn-primary {
  background: var(--navy);
  color: var(--cream);
}
.btn-primary:hover {
  background: var(--navy-deep);
  transform: translateY(-2px);
  box-shadow: 0 14px 30px -10px rgba(10, 31, 61, 0.35);
}

.btn-ghost {
  background: transparent;
  color: var(--navy);
}
.btn-ghost:hover {
  background: var(--navy);
  color: var(--cream);
}

.btn .arrow {
  display: inline-block;
  transition: transform 0.3s var(--ease);
}
.btn:hover .arrow { transform: translateX(4px); }

.hero-meta {
  border-left: 1px solid var(--line);
  padding-left: 2rem;
  animation: rise 0.9s 0.4s var(--ease-out) both;
}

.hero-meta-item {
  padding: 1rem 0;
  border-bottom: 1px solid var(--line);
}
.hero-meta-item:last-child { border-bottom: none; }

.hero-meta-label {
  font-size: 0.72rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--slate-soft);
  font-weight: 600;
  margin-bottom: 0.3rem;
}

.hero-meta-value {
  font-family: var(--serif);
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--navy);
  font-variation-settings: "opsz" 96;
}

/* ============== STATS BAND ============== */

.stats {
  background: var(--navy);
  color: var(--cream);
  padding: 4.5rem 0;
  position: relative;
  overflow: hidden;
}

.stats::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 90% 50%, rgba(184, 137, 62, 0.12), transparent 50%);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  position: relative;
}

.stat {
  text-align: left;
  border-left: 1px solid var(--line-dark);
  padding-left: 1.6rem;
}

.stat:first-child { border-left: none; padding-left: 0; }

.stat-num {
  font-family: var(--serif);
  font-size: clamp(2.4rem, 4vw, 3.4rem);
  font-weight: 320;
  line-height: 1;
  color: var(--gold-soft);
  margin-bottom: 0.6rem;
  font-variation-settings: "opsz" 144, "wght" 320;
}

.stat-num em {
  font-style: normal;
  font-size: 0.55em;
  color: var(--cream);
  margin-left: 0.1em;
}

.stat-label {
  font-size: 0.85rem;
  color: var(--cream);
  opacity: 0.75;
  line-height: 1.4;
  max-width: 22ch;
}

/* ============== SECTIONS ============== */

.section {
  padding: 6.5rem 0;
  position: relative;
}

.section-head {
  max-width: 760px;
  margin-bottom: 4rem;
}

.section-head .eyebrow { margin-bottom: 1.2rem; }

/* About-on-home (intro) */
.intro {
  background: var(--cream-soft);
}
.intro-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 5rem;
  align-items: start;
}

.intro-sticky {
  position: sticky;
  top: 120px;
}

.intro-body p + p { margin-top: 1.4rem; }

.intro-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
  margin-top: 2.5rem;
}

.intro-stat {
  padding: 1.4rem;
  background: var(--paper);
  border: 1px solid var(--line);
}

.intro-stat strong {
  font-family: var(--serif);
  font-size: 2rem;
  font-weight: 400;
  display: block;
  color: var(--navy);
  font-variation-settings: "opsz" 96;
}

.intro-stat span {
  font-size: 0.82rem;
  color: var(--slate);
  letter-spacing: 0.04em;
}

/* ============== SERVICES ============== */

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--line);
  border-left: 1px solid var(--line);
}

.service {
  padding: 2.6rem 2rem;
  background: var(--cream-soft);
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  position: relative;
  transition: all 0.5s var(--ease);
  cursor: pointer;
  overflow: hidden;
}

.service::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.5s var(--ease);
}

.service:hover {
  background: var(--navy);
  color: var(--cream);
}

.service:hover::before { transform: scaleX(1); }
.service:hover .service-num { color: var(--gold-soft); }
.service:hover .service-title { color: var(--cream); }
.service:hover p { color: rgba(246, 241, 232, 0.75); }
.service:hover .service-arrow { color: var(--gold-soft); transform: translateX(6px); }

.service-num {
  font-family: var(--serif);
  font-size: 1rem;
  font-style: italic;
  color: var(--gold);
  margin-bottom: 1.6rem;
  font-variation-settings: "opsz" 24;
  letter-spacing: 0.02em;
  transition: color 0.4s var(--ease);
}

.service-title {
  font-family: var(--serif);
  font-size: 1.5rem;
  font-weight: 420;
  color: var(--navy);
  margin-bottom: 1rem;
  line-height: 1.15;
  letter-spacing: -0.01em;
  transition: color 0.4s var(--ease);
}

.service p {
  font-size: 0.95rem;
  line-height: 1.55;
  transition: color 0.4s var(--ease);
}

.service-arrow {
  margin-top: 1.6rem;
  display: inline-block;
  font-size: 1.2rem;
  color: var(--slate);
  transition: all 0.4s var(--ease);
}

/* ============== VISION / MISSION ============== */

.vision {
  background: var(--navy);
  color: var(--cream);
  position: relative;
  overflow: hidden;
}

.vision::before {
  content: '';
  position: absolute;
  top: -50%; right: -10%;
  width: 800px; height: 800px;
  background: radial-gradient(circle, rgba(184, 137, 62, 0.1), transparent 60%);
  pointer-events: none;
}

.vision .eyebrow { color: var(--gold-soft); }
.vision .eyebrow::before { background: var(--gold-soft); }

.vision-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  position: relative;
}

.vision-block .vm-label {
  font-family: var(--serif);
  font-style: italic;
  font-size: 0.9rem;
  color: var(--gold-soft);
  margin-bottom: 1rem;
  letter-spacing: 0.05em;
  font-variation-settings: "opsz" 24;
}

.vision-block h3 {
  font-family: var(--serif);
  font-size: clamp(1.6rem, 2.4vw, 2.2rem);
  font-weight: 380;
  color: var(--cream);
  margin-bottom: 1.5rem;
  letter-spacing: -0.01em;
  font-variation-settings: "opsz" 96;
}

.vision-block p {
  color: rgba(246, 241, 232, 0.78);
  font-size: 1rem;
  line-height: 1.75;
}

.vision-divider {
  width: 40px;
  height: 1px;
  background: var(--gold);
  margin-bottom: 1.5rem;
}

/* ============== CTA STRIP ============== */

.cta-strip {
  background: var(--cream-soft);
  padding: 5rem 0;
  border-top: 1px solid var(--line);
}

.cta-strip-inner {
  display: grid;
  grid-template-columns: 1.6fr auto;
  gap: 3rem;
  align-items: center;
}

.cta-strip h2 {
  font-size: clamp(1.8rem, 3.2vw, 2.6rem);
  font-weight: 380;
  letter-spacing: -0.015em;
}

.cta-strip h2 em { color: var(--gold); font-style: italic; }

/* ============== FOOTER ============== */

.site-footer {
  background: var(--navy-deep);
  color: var(--cream);
  padding: 5rem 0 2rem;
  position: relative;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid var(--line-dark);
}

.footer-brand h4 {
  font-family: var(--serif);
  font-size: 1.4rem;
  font-weight: 400;
  margin-bottom: 1rem;
  color: var(--cream);
  font-variation-settings: "opsz" 96;
}

.footer-brand p {
  color: rgba(246, 241, 232, 0.65);
  font-size: 0.92rem;
  line-height: 1.6;
  max-width: 38ch;
}

.footer-col h5 {
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-soft);
  margin-bottom: 1.4rem;
}

.footer-col ul {
  list-style: none;
}

.footer-col li {
  margin-bottom: 0.7rem;
}

.footer-col a {
  font-size: 0.9rem;
  color: rgba(246, 241, 232, 0.7);
  transition: color 0.3s var(--ease);
}

.footer-col a:hover { color: var(--gold-soft); }

.footer-bottom {
  padding-top: 2rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
}

.footer-bottom p {
  font-size: 0.82rem;
  color: rgba(246, 241, 232, 0.5);
}

.socials {
  display: flex;
  gap: 0.8rem;
}

.socials a {
  width: 36px;
  height: 36px;
  border: 1px solid var(--line-dark);
  display: grid;
  place-items: center;
  font-size: 0.8rem;
  color: var(--cream);
  transition: all 0.3s var(--ease);
}

.socials a:hover {
  border-color: var(--gold);
  color: var(--gold-soft);
}

/* ============== PAGE HEADERS (inner pages) ============== */

.page-hero {
  padding: 10rem 0 4rem;
  background: var(--cream-soft);
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--line);
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 90% 30%, rgba(184, 137, 62, 0.08), transparent 50%);
}

.breadcrumb {
  font-size: 0.78rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--slate-soft);
  margin-bottom: 1.4rem;
  font-weight: 600;
}

.breadcrumb a { color: var(--slate); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { margin: 0 0.6rem; opacity: 0.5; }

.page-hero h1 {
  font-size: clamp(2.4rem, 5vw, 4.2rem);
  font-weight: 350;
  margin-bottom: 1.2rem;
  letter-spacing: -0.025em;
}

.page-hero h1 em { color: var(--gold); font-style: italic; }

/* ============== ABOUT — TIMELINE / DIRECTORS ============== */

.timeline {
  padding: 6rem 0;
}

.timeline-grid {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 5rem;
  align-items: start;
}

.history-text p + p { margin-top: 1.3rem; }

.directors {
  background: var(--cream-soft);
  padding: 6rem 0;
}

.directors-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.director {
  padding: 2.2rem 1.8rem;
  background: var(--paper);
  border: 1px solid var(--line);
  position: relative;
  transition: all 0.4s var(--ease);
}

.director:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 40px -20px rgba(10, 31, 61, 0.2);
  border-color: var(--gold);
}

.director-initial {
  width: 52px;
  height: 52px;
  border: 1px solid var(--navy);
  display: grid;
  place-items: center;
  font-family: var(--serif);
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 1.6rem;
  font-variation-settings: "opsz" 48;
}

.director h4 {
  font-family: var(--serif);
  font-size: 1.25rem;
  font-weight: 420;
  color: var(--navy);
  margin-bottom: 0.4rem;
  font-variation-settings: "opsz" 48;
}

.director-role {
  font-family: var(--serif);
  font-style: italic;
  font-size: 0.95rem;
  color: var(--gold);
  font-variation-settings: "opsz" 24;
}

.governance {
  padding: 6rem 0;
}

.governance-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.gov-card {
  padding: 2rem;
  border-top: 2px solid var(--gold);
  background: var(--cream-soft);
}

.gov-card h4 {
  font-family: var(--sans);
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--slate);
  margin-bottom: 1rem;
  font-weight: 600;
}

.gov-card p {
  font-family: var(--serif);
  font-size: 1.1rem;
  color: var(--navy);
  line-height: 1.4;
  font-variation-settings: "opsz" 48;
}

.gov-card p em {
  font-style: italic;
  color: var(--gold);
  font-size: 0.95rem;
  display: block;
  margin-top: 0.4rem;
}

/* ============== SERVICES PAGE ============== */

.service-detail {
  padding: 6rem 0;
  border-bottom: 1px solid var(--line);
}

.service-detail:nth-child(even) { background: var(--cream-soft); }

.service-detail-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 4rem;
  align-items: start;
}

.service-detail-num {
  font-family: var(--serif);
  font-size: 5rem;
  font-style: italic;
  font-weight: 320;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 1rem;
  font-variation-settings: "opsz" 144, "wght" 320;
}

.service-detail h3 {
  font-family: var(--serif);
  font-size: clamp(1.8rem, 2.8vw, 2.4rem);
  font-weight: 380;
  color: var(--navy);
  margin-bottom: 0;
  letter-spacing: -0.015em;
}

.service-detail ul {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.4rem 2rem;
}

.service-detail li {
  padding: 0.8rem 0;
  border-bottom: 1px dashed var(--line);
  font-size: 0.95rem;
  color: var(--navy);
  display: flex;
  align-items: start;
  gap: 0.8rem;
}

.service-detail li::before {
  content: '→';
  color: var(--gold);
  font-family: var(--serif);
  font-style: italic;
}

/* Main products on services page */
.main-products {
  padding: 6rem 0;
  background: var(--navy);
  color: var(--cream);
}

.main-products .eyebrow { color: var(--gold-soft); }
.main-products .eyebrow::before { background: var(--gold-soft); }

.main-products .section-title { color: var(--cream); }

.products-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  margin-top: 3rem;
}

.product {
  padding: 2.5rem;
  border: 1px solid var(--line-dark);
  background: rgba(255, 255, 255, 0.02);
  transition: all 0.4s var(--ease);
}

.product:hover {
  border-color: var(--gold);
  background: rgba(184, 137, 62, 0.04);
}

.product h4 {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 420;
  color: var(--cream);
  margin-bottom: 1rem;
  font-variation-settings: "opsz" 96;
}

.product p {
  color: rgba(246, 241, 232, 0.75);
  font-size: 0.95rem;
  margin-bottom: 1.4rem;
}

.product ul {
  list-style: none;
}

.product li {
  padding: 0.5rem 0;
  font-size: 0.9rem;
  color: rgba(246, 241, 232, 0.8);
  border-bottom: 1px solid var(--line-dark);
}
.product li:last-child { border: none; }
.product li::before {
  content: '·';
  color: var(--gold);
  margin-right: 0.6rem;
  font-weight: 700;
}

/* ============== CONTACT PAGE ============== */

.contact-section {
  padding: 5rem 0 6rem;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 4rem;
  align-items: start;
}

.contact-info-block {
  margin-bottom: 2.5rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid var(--line);
}

.contact-info-block:last-child { border: none; padding: 0; margin: 0; }

.contact-info-block .label {
  font-family: var(--sans);
  font-size: 0.74rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--slate-soft);
  font-weight: 600;
  margin-bottom: 0.8rem;
}

.contact-info-block .value {
  font-family: var(--serif);
  font-size: 1.4rem;
  color: var(--navy);
  font-weight: 400;
  line-height: 1.35;
  font-variation-settings: "opsz" 48;
}

.contact-info-block .value a:hover { color: var(--gold); }

.contact-form {
  background: var(--paper);
  padding: 3rem;
  border: 1px solid var(--line);
}

.contact-form h3 {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 420;
  margin-bottom: 0.4rem;
  color: var(--navy);
  font-variation-settings: "opsz" 96;
}

.contact-form > p {
  margin-bottom: 2rem;
  font-size: 0.95rem;
}

.field {
  margin-bottom: 1.4rem;
}

.field label {
  display: block;
  font-size: 0.78rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--slate);
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.field input,
.field textarea {
  width: 100%;
  padding: 0.85rem 1rem;
  background: var(--cream-soft);
  border: 1px solid var(--line);
  font-family: var(--sans);
  font-size: 0.98rem;
  color: var(--navy);
  transition: all 0.3s var(--ease);
}

.field input:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--gold);
  background: var(--paper);
}

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

.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
}

/* ============== TRUST STRIP ============== */

.trust-strip {
  background: var(--paper);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 1.4rem 0;
}

.trust-strip-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 1.5rem;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  font-size: 0.82rem;
  letter-spacing: 0.06em;
  color: var(--navy);
  font-weight: 500;
}

.trust-item svg {
  width: 18px;
  height: 18px;
  color: var(--gold);
  flex-shrink: 0;
}

.trust-item strong {
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.74rem;
}

/* ============== HERO BANKING CARD ============== */

.hero-card {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-soft) 100%);
  color: var(--cream);
  padding: 2rem;
  position: relative;
  overflow: hidden;
  border-top: 3px solid var(--gold);
  box-shadow: 0 30px 60px -25px rgba(45, 42, 110, 0.4);
  animation: rise 0.9s 0.4s var(--ease-out) both;
}

.hero-card::before {
  content: '';
  position: absolute;
  top: -30%; right: -30%;
  width: 250px; height: 250px;
  background: radial-gradient(circle, rgba(212, 168, 90, 0.18), transparent 70%);
  pointer-events: none;
}

.hero-card-header {
  display: flex;
  justify-content: space-between;
  align-items: start;
  margin-bottom: 2.5rem;
  position: relative;
}

.hero-card-label {
  font-size: 0.7rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-soft);
  font-weight: 600;
}

.hero-card-chip {
  width: 36px;
  height: 28px;
  background: linear-gradient(135deg, var(--gold), var(--gold-soft));
  border-radius: 4px;
  position: relative;
}

.hero-card-chip::before,
.hero-card-chip::after {
  content: '';
  position: absolute;
  left: 4px; right: 4px;
  height: 1px;
  background: rgba(0,0,0,0.2);
}
.hero-card-chip::before { top: 9px; }
.hero-card-chip::after { top: 17px; }

.hero-card-meta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
  position: relative;
}

.hero-card-meta-item .k {
  font-size: 0.68rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(246, 241, 232, 0.6);
  margin-bottom: 0.3rem;
}

.hero-card-meta-item .v {
  font-family: var(--serif);
  font-size: 1.2rem;
  color: var(--cream);
  font-variation-settings: "opsz" 48;
}

.hero-card-footer {
  margin-top: 2rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--line-dark);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.78rem;
  color: rgba(246, 241, 232, 0.7);
  position: relative;
}

.hero-card-brand {
  font-family: var(--serif);
  font-style: italic;
  color: var(--gold-soft);
  font-size: 0.9rem;
}

/* Hero re-arrangement: card replaces meta sidebar */
.hero-grid {
  align-items: center !important;
}

/* ============== SERVICE ICONS ============== */

.service-icon {
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  border: 1px solid var(--gold);
  color: var(--gold);
  margin-bottom: 1.4rem;
  transition: all 0.4s var(--ease);
}

.service-icon svg {
  width: 22px;
  height: 22px;
}

.service:hover .service-icon {
  border-color: var(--gold-soft);
  background: var(--gold);
  color: var(--navy);
}

/* ============== LEDGER PATTERN (subtle background) ============== */

.ledger-bg {
  background-image:
    linear-gradient(var(--line) 1px, transparent 1px);
  background-size: 100% 48px;
  background-position: 0 24px;
}

/* ============== FOOTER LOGO ============== */

.footer-logo {
  width: 64px;
  height: 64px;
  background: var(--paper);
  padding: 6px;
  margin-bottom: 1.4rem;
  display: inline-block;
}

.footer-logo img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

/* ============== ANIMATIONS ============== */

@keyframes rise {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.9s var(--ease-out), transform 0.9s var(--ease-out);
}

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

/* ============== RESPONSIVE ============== */

@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 3rem; }
  .hero-meta { border-left: none; border-top: 1px solid var(--line); padding: 1.5rem 0 0; }
  .hero-card { max-width: 500px; }
  .trust-strip-inner { justify-content: flex-start; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 2rem 1.5rem; }
  .intro-grid, .vision-grid, .timeline-grid, .service-detail-grid, .contact-grid {
    grid-template-columns: 1fr; gap: 2.5rem;
  }
  .intro-sticky { position: static; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .directors-grid, .governance-grid, .products-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
}

@media (max-width: 680px) {
  .menu-toggle { display: flex; }
  .nav-links {
    position: fixed;
    top: 0; right: 0;
    width: 75vw;
    max-width: 320px;
    height: 100vh;
    background: var(--cream);
    flex-direction: column;
    justify-content: center;
    padding: 3rem 2rem;
    transform: translateX(100%);
    transition: transform 0.4s var(--ease);
    box-shadow: -20px 0 60px rgba(0,0,0,0.1);
    align-items: flex-start;
    gap: 1.5rem;
  }
  .nav-links.open { transform: translateX(0); }
  .nav-cta { display: none; }
  .hero { padding: 8rem 0 4rem; }
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 1.5rem; }
  .stat { padding-left: 1rem; }
  .services-grid { grid-template-columns: 1fr; }
  .directors-grid, .governance-grid, .products-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-strip-inner { grid-template-columns: 1fr; }
  .service-detail ul { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .contact-form { padding: 2rem 1.5rem; }
}