:root {
  --navy:  #0A2463;
  --navy-mid: #0A2463;
  --navy-light: #0F2F7A;
  --orange: #D45D00;
  --orange-light: #F07030;
  --white: #FFFFFF;
  --off-white: #F4F6FA;
  --gray: #8A94A8;
  --gray-light: #E8ECF4;
  --text: #1A2440;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow-card: 0 4px 32px rgba(10,36,99,0.10);
  --shadow-float: 0 8px 40px rgba(10,36,99,0.18);
  --transition: all 0.3s cubic-bezier(0.4,0,0.2,1);
}

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

body {
  font-family: 'Montserrat', sans-serif;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.6;
}

h1,h2,h3,h4 { font-family: 'Montserrat', sans-serif; font-weight: 700; color: var(--navy); line-height: 1.2; }

.container { width: 100%; max-width: 1240px; margin: 0 auto; padding: 0 32px; }

/* ═══════════════════════
   NAVBAR (keep yours)
═══════════════════════ */
.navbar {
  position: fixed; top: 0; left: 0; width: 100%;
  background: rgba(7,26,62,0.96);
  backdrop-filter: blur(12px);
  z-index: 1000; padding: 16px 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.navbar .container { display: flex; justify-content: space-between; align-items: center; }
.logo { display: flex; align-items: center; font-weight: 700; font-size: 1.6rem; color: var(--white); text-decoration: none; }
.logo-icon { background: var(--orange); color: var(--white); width: 34px; height: 34px; border-radius: 8px; display: flex; align-items: center; justify-content: center; margin-right: 10px; font-weight: 700; font-size: 1rem; }
.nav-links { display: flex; list-style: none; }
.nav-links li { margin-left: 28px; }
.nav-links a { text-decoration: none; color: rgba(255,255,255,0.75); font-weight: 500; font-size: 0.95rem; transition: var(--transition); }
.nav-links a:hover, .nav-links a.active { color: var(--white); }
.nav-cta { background: var(--orange) !important; color: var(--white) !important; padding: 9px 22px; border-radius: 8px; }
.nav-cta:hover { background: var(--orange-light) !important; }
.mobile-toggle { display: none; font-size: 1.4rem; color: var(--white); cursor: pointer; }

/* ═══════════════════════
   HERO
═══════════════════════ */
.hero {
  position: relative;
  background: var(--navy);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  overflow: hidden;
  padding-top: 80px;
}

.hero-bg-lines {
  position: absolute; inset: 0; pointer-events: none; z-index: 0;
}

.hero-circle {
  position: absolute;
  top: -200px; right: -200px;
  width: 700px; height: 700px;
  border-radius: 50%;
  border: 1px solid rgba(212,93,0,0.15);
  pointer-events: none; z-index: 0;
}
.hero-circle::before {
  content: '';
  position: absolute;
  inset: 80px;
  border-radius: 50%;
  border: 1px solid rgba(212,93,0,0.1);
}
.hero-circle::after {
  content: '';
  position: absolute;
  inset: 160px;
  border-radius: 50%;
  border: 1px solid rgba(212,93,0,0.06);
}

.hero-inner {
  position: relative; z-index: 2;
  display: flex;
  align-items: center;
  gap: 60px;
  padding-top: 60px;
  padding-bottom: 80px;
}

/* — Text side — */
.hero-text { flex: 0 0 48%; }

.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(212,93,0,0.12);
  border: 1px solid rgba(212,93,0,0.25);
  color: #F07030;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 40px;
  margin-bottom: 28px;
}
.eyebrow-dot {
  width: 6px; height: 6px;
  background: var(--orange);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%,100% { opacity:1; transform:scale(1); }
  50% { opacity:0.5; transform:scale(0.7); }
}

.hero-text h1 {
  font-size: clamp(2.4rem, 4vw, 3.6rem);
  color: var(--white);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 24px;
}
.hero-text h1 em {
  font-style: normal;
  color: var(--orange);
}

.hero-text p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.65);
  max-width: 440px;
  margin-bottom: 40px;
  line-height: 1.75;
}

.hero-actions { display: flex; align-items: center; gap: 16px; margin-bottom: 48px; flex-wrap: wrap; }

.btn-primary {
  display: inline-block;
  background: var(--orange);
  color: var(--white);
  padding: 15px 32px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  transition: var(--transition);
  box-shadow: 0 8px 24px rgba(212,93,0,0.35);
}
.btn-primary:hover { background: var(--orange-light); transform: translateY(-2px); box-shadow: 0 12px 32px rgba(212,93,0,0.45); }

.btn-ghost {
  display: inline-flex; align-items: center; gap: 8px;
  color: rgba(255,255,255,0.8);
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
  padding: 15px 4px;
  border-bottom: 1.5px solid rgba(255,255,255,0.2);
  transition: var(--transition);
}
.btn-ghost:hover { color: var(--white); border-color: var(--orange); }

.hero-stats {
  display: flex; align-items: center; gap: 0;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px;
  padding: 16px 0;
  max-width: 420px;
}
.hstat { flex: 1; text-align: center; padding: 0 20px; }
.hstat-num { display: block; font-size: 1.2rem; font-weight: 800; color: var(--white); }
.hstat-label { display: block; font-size: 0.72rem; color: rgba(255,255,255,0.45); text-transform: uppercase; letter-spacing: 0.06em; margin-top: 2px; }
.hstat-divider { width: 1px; height: 36px; background: rgba(255,255,255,0.1); flex-shrink: 0; }

/* — Visual side — */
.hero-visual {
  flex: 0 0 52%;
  position: relative;
  height: 560px;
}

.hero-card {
  position: absolute;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-float);
}

.hero-card-img {
  width: 100%; height: 100%;
  object-fit: cover; display: block;
}

.hero-card--main {
  top: 0; right: 0;
  width: 72%; height: 76%;
  border: 2px solid rgba(255,255,255,0.08);
}

.hero-card--secondary {
  bottom: 0; left: 0;
  width: 48%; height: 46%;
  border: 2px solid rgba(53, 50, 245, 0.322);
}

/* Image placeholders when no image is loaded */
.hero-card--main .hero-card-img:not([src]),
.hero-card--main .hero-card-img[src="assets/images/hero-main.jpg"] {
  background: linear-gradient(145deg, #1a3060 0%, #0f1e45 100%);
}
.hero-card--secondary .hero-card-img:not([src]) {
  background: linear-gradient(145deg, #0f2050 0%, #071535 100%);
}

/* Fallback painted fill when images missing */
.hero-card--main { background: linear-gradient(145deg, #1a3060, #0f1e45); }
.hero-card--secondary { background: linear-gradient(145deg, #1c4895,  #1c4895); }

.hero-pill {
  position: absolute; bottom: 16px; left: 16px;
  background: rgba(7,26,62,0.88);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.1);
  color: var(--white);
  font-size: 0.78rem; font-weight: 600;
  padding: 7px 12px;
  border-radius: 40px;
  display: flex; align-items: center; gap: 6px;
}

.hero-trust-badge {
  position: absolute;
  top: 44%; right: -20px;
  background: var(--white);
  border-radius: 12px;
  padding: 14px 16px;
  display: flex; align-items: center; gap: 12px;
  box-shadow: var(--shadow-float);
  min-width: 200px;
  border: 1px solid var(--gray-light);
  z-index: 10;
}
.trust-icon {
  width: 40px; height: 40px;
  background: rgba(212,93,0,0.08);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.trust-title { font-size: 0.82rem; font-weight: 700; color: var(--navy); }
.trust-sub { font-size: 0.7rem; color: var(--gray); margin-top: 1px; }

.hero-chart-widget {
  position: absolute;
  bottom: 60px; right: -10px;
  background: var(--navy);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px;
  padding: 14px 16px;
  min-width: 170px;
  z-index: 10;
}
.chart-label { font-size: 0.7rem; font-weight: 600; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 8px; }
.chart-caption { font-size: 0.68rem; color: rgba(255,255,255,0.35); margin-top: 4px; }

.hero-scroll {
  position: absolute; bottom: 32px; left: 50%;
  transform: translateX(-50%);
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  color: rgba(255,255,255,0.3);
  font-size: 0.65rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase;
  z-index: 2;
}
.scroll-line {
  width: 1px; height: 40px;
  background: rgba(255,255,255,0.15);
  animation: scrollDown 1.8s ease-in-out infinite;
}
@keyframes scrollDown {
  0% { transform: scaleY(0); transform-origin: top; }
  50% { transform: scaleY(1); transform-origin: top; }
  51% { transform: scaleY(1); transform-origin: bottom; }
  100% { transform: scaleY(0); transform-origin: bottom; }
}

/* ═══════════════════════
   VALUE PROPS
═══════════════════════ */
.vp-section { padding: 80px 0; background: var(--off-white); }

.vp-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.vp-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px 28px;
  border: 1px solid var(--gray-light);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.vp-card::after {
  content: '';
  position: absolute; bottom: 0; left: 0;
  width: 100%; height: 3px;
  background: var(--orange);
  transform: scaleX(0); transform-origin: left;
  transition: var(--transition);
}
.vp-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-card); }
.vp-card:hover::after { transform: scaleX(1); }

.vp-icon {
  width: 52px; height: 52px;
  background: rgba(212,93,0,0.08);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}

.vp-card h3 { font-size: 1.05rem; margin-bottom: 10px; color: var(--navy); }
.vp-card p { font-size: 0.9rem; color: var(--gray); line-height: 1.7; }

/* ═══════════════════════
   FUNDS
═══════════════════════ */
.funds-section { padding: 100px 0; background: var(--white); }

.section-header { text-align: center; margin-bottom: 64px; }
.section-eyebrow {
  display: inline-block;
  color: var(--orange);
  font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase;
  margin-bottom: 12px;
}
.section-header h2 { font-size: 2.4rem; margin-bottom: 14px; }
.section-header p { color: var(--gray); max-width: 560px; margin: 0 auto; font-size: 1rem; }

.funds-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.fund-card {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--gray-light);
  overflow: hidden;
  transition: var(--transition);
  position: relative;
}
.fund-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-card); border-color: transparent; }

.fund-accent {
  height: 4px; width: 100%;
}
.fund-accent--low { background: #22c55e; }
.fund-accent--income { background: #f59e0b; }
.fund-accent--growth { background: var(--orange); }

.fund-header {
  display: flex; justify-content: space-between; align-items: flex-start;
  padding: 22px 22px 0;
  gap: 10px;
}
.fund-header h3 { font-size: 1rem; color: var(--navy); }

.risk-badge {
  padding: 4px 10px;
  border-radius: 6px;
  font-size: 0.72rem;
  font-weight: 700;
  white-space: nowrap;
  flex-shrink: 0;
}
.risk-low { background: rgba(34,197,94,0.1); color: #15803d; }
.risk-income { background: rgba(245,158,11,0.1); color: #b45309; }
.risk-growth { background: rgba(212,93,0,0.1); color: #9a3f00; }

.fund-body { padding: 16px 22px 22px; }
.fund-description { font-size: 0.88rem; color: var(--gray); line-height: 1.65; margin-bottom: 18px; }

.fund-meta {
  list-style: none;
  border-top: 1px solid var(--gray-light);
  padding-top: 14px;
  margin-bottom: 18px;
}
.fund-meta li {
  display: flex; justify-content: space-between;
  font-size: 0.82rem; padding: 5px 0;
  border-bottom: 1px solid var(--gray-light);
}
.fund-meta li:last-child { border-bottom: none; }
.meta-key { color: var(--gray); }
.meta-val { font-weight: 600; color: var(--navy); }

.fund-footer {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid var(--gray-light);
}
.fund-for { font-size: 0.75rem; color: var(--gray); }
.fund-cta {
  font-size: 0.85rem; font-weight: 700;
  color: var(--orange); text-decoration: none;
  transition: var(--transition);
  padding: 6px 14px;
  border: 1.5px solid var(--orange);
  border-radius: 6px;
}
.fund-cta:hover { background: var(--orange); color: var(--white); }

/* ═══════════════════════
   FOOTER (keep yours)
═══════════════════════ */
footer {
  background: var(--navy);
  color: var(--white);
  padding: 80px 0 40px;
}
.footer-content { display: flex; justify-content: space-between; margin-bottom: 60px; gap: 40px; flex-wrap: wrap; }
.footer-logo { font-size: 1.6rem; font-weight: 700; margin-bottom: 16px; display: flex; align-items: center; color: var(--white); }
.footer-logo .logo-icon { background: var(--orange); color: var(--white); }
.footer-about p { color: rgba(255,255,255,0.55); margin-bottom: 20px; max-width: 280px; font-size: 0.9rem; }
.footer-links { display: flex; flex-direction: column; }
.footer-links h4 { color: var(--white); margin-bottom: 16px; font-size: 1rem; }
.footer-links a { color: rgba(255,255,255,0.55); text-decoration: none; margin-bottom: 10px; font-size: 0.9rem; transition: var(--transition); }
.footer-links a:hover { color: var(--orange); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 28px; text-align: center; color: rgba(255,255,255,0.4); font-size: 0.85rem; }

/* ═══════════════════════
   PAGE HERO (inner pages)
═══════════════════════ */
.page-hero {
  background: var(--navy);
  color: var(--white);
  padding: 140px 0 80px;
  text-align: center;
}
.page-hero h1 { color: var(--white); font-size: 3rem; margin-bottom: 20px; }
.page-hero p { font-size: 1.1rem; color: rgba(255,255,255,0.7); max-width: 600px; margin: 0 auto; }

/* ═══════════════════════
   FORMS / ONBOARDING
═══════════════════════ */
.page-content { padding: 160px 0 100px; }
.onboarding-container { max-width: 800px; margin: 0 auto; background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow-card); overflow: hidden; }
.onboarding-header { background: var(--navy); color: var(--white); padding: 30px; text-align: center; }
.onboarding-header h2 { color: var(--white); margin-bottom: 10px; }
.onboarding-steps { display: flex; justify-content: center; margin-top: 24px; }
.step { display: flex; align-items: center; margin: 0 14px; color: rgba(255,255,255,0.5); }
.step.active { color: var(--white); }
.step-number { width: 34px; height: 34px; border-radius: 50%; background: rgba(255,255,255,0.15); display: flex; align-items: center; justify-content: center; margin-right: 8px; font-weight: 700; }
.step.active .step-number { background: var(--orange); }
.onboarding-form { padding: 48px; }
.form-group { margin-bottom: 26px; }
.form-group label { display: block; margin-bottom: 8px; font-weight: 600; color: var(--navy); font-size: 0.9rem; }
.form-control { width: 100%; padding: 14px 16px; border: 1.5px solid var(--gray-light); border-radius: 10px; font-family: 'Montserrat', sans-serif; font-size: 0.95rem; transition: var(--transition); color: var(--text); background: var(--white); }
.form-control:focus { outline: none; border-color: var(--orange); box-shadow: 0 0 0 3px rgba(212,93,0,0.1); }
.form-row { display: flex; gap: 20px; }
.form-row .form-group { flex: 1; }
.form-actions { display: flex; justify-content: space-between; margin-top: 36px; }
.btn { padding: 13px 28px; border-radius: 10px; font-weight: 700; font-size: 0.95rem; cursor: pointer; transition: var(--transition); border: none; font-family: 'Montserrat', sans-serif; }
.btn-primary-form { background: var(--orange); color: var(--white); }
.btn-primary-form:hover { background: var(--orange-light); }
.btn-secondary { background: transparent; color: var(--gray); border: 1.5px solid var(--gray-light); }
.btn-secondary:hover { background: var(--off-white); }

/* ═══════════════════════
   ABOUT
═══════════════════════ */
.about-content { padding: 100px 0; }
.about-section { margin-bottom: 90px; }
.about-section h2 { font-size: 2.2rem; margin-bottom: 24px; }
.about-section p { font-size: 1.05rem; color: var(--gray); margin-bottom: 18px; line-height: 1.75; max-width: 860px; }
.stats-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; margin: 56px 0; }
.stat-card { background: var(--white); padding: 36px 20px; border-radius: var(--radius); box-shadow: var(--shadow-card); text-align: center; border-top: 3px solid var(--orange); transition: var(--transition); }
.stat-card:hover { transform: translateY(-4px); }
.stat-number { font-size: 2.2rem; font-weight: 800; color: var(--navy); margin-bottom: 8px; }
.stat-label { color: var(--gray); font-size: 0.9rem; font-weight: 500; }
.philosophy-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 24px; margin-top: 36px; }
.philosophy-card { background: var(--white); padding: 32px; border-radius: var(--radius); border-left: 4px solid var(--orange); box-shadow: var(--shadow-card); transition: var(--transition); }
.philosophy-card:hover { transform: translateY(-4px); }
.philosophy-icon { width: 52px; height: 52px; background: rgba(212,93,0,0.08); border-radius: 12px; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.philosophy-icon i { font-size: 1.6rem; color: var(--orange); }
.philosophy-card h3 { font-size: 1.3rem; margin-bottom: 12px; }
.governance-content { display: grid; grid-template-columns: repeat(2,1fr); gap: 20px; margin-top: 36px; }
.governance-item { background: var(--off-white); padding: 28px; border-radius: var(--radius); transition: var(--transition); }
.governance-item:hover { background: var(--white); box-shadow: var(--shadow-card); }
.governance-item h3 { font-size: 1.15rem; margin-bottom: 12px; display: flex; align-items: center; }
.governance-item h3 i { color: var(--orange); margin-right: 10px; }
.team-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; margin-top: 36px; }
.team-card { background: var(--white); border-radius: var(--radius); padding: 28px; text-align: center; box-shadow: var(--shadow-card); transition: var(--transition); }
.team-card:hover { transform: translateY(-6px); }
.team-img-placeholder { width: 100px; height: 100px; border-radius: 50%; background: var(--off-white); display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; color: var(--orange); font-size: 2.5rem; }
.team-card h3 { font-size: 1.2rem; margin-bottom: 6px; }
.team-title { color: var(--orange); font-weight: 600; margin-bottom: 12px; font-size: 0.9rem; }
.team-bio { color: var(--gray); font-size: 0.88rem; line-height: 1.6; }

/* ═══════════════════════
   CONTACT
═══════════════════════ */
.contact-container { display: flex; gap: 48px; }
.contact-info { flex: 1; }
.contact-info h3 { margin-bottom: 20px; font-size: 1.6rem; }
.contact-detail { display: flex; margin-bottom: 20px; align-items: flex-start; }
.contact-detail i { color: var(--orange); font-size: 1.1rem; margin-right: 14px; margin-top: 3px; }
.contact-form { flex: 1; }

/* ═══════════════════════
   RESPONSIVE
═══════════════════════ */
@media (max-width: 1024px) {
  .hero-inner { gap: 36px; }
  .hero-visual { height: 480px; }
  .hero-trust-badge { right: -10px; }
  .hero-chart-widget { right: -6px; }
}

@media (max-width: 900px) {
  .funds-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .philosophy-grid, .governance-content { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-container { flex-direction: column; }
}

@media (max-width: 768px) {
  .hero-inner { flex-direction: column; padding-bottom: 60px; }
  .hero-text { flex: none; text-align: center; }
  .hero-text p { margin-left: auto; margin-right: auto; }
  .hero-actions { justify-content: center; }
  .hero-stats { max-width: 100%; }
  .hero-visual { flex: none; width: 100%; height: 340px; }
  .hero-card--main { width: 76%; height: 80%; right: 0; top: 0; }
  .hero-card--secondary { width: 44%; height: 44%; left: 0; bottom: 0; }
  .hero-trust-badge { right: 0; top: auto; bottom: 60px; }
  .hero-chart-widget { display: none; }
  .vp-grid { grid-template-columns: 1fr; }
  .funds-grid { grid-template-columns: 1fr; }
  .section-header h2 { font-size: 1.9rem; }
}

@media (max-width: 576px) {
  .mobile-toggle { display: block; position: absolute; top: 18px; right: 20px; }
  .nav-links { display: none; position: absolute; top: 100%; left: 0; width: 100%; background: var(--navy); flex-direction: column; padding: 20px 0; border-top: 1px solid rgba(255,255,255,0.08); }
  .nav-links.active { display: flex; }
  .nav-links li { margin: 10px 0; text-align: center; }
  .hstat-num { font-size: 1rem; }
  .form-row { flex-direction: column; gap: 0; }
  .team-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr; }
}