*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --cream:#EFF4FB;
  --cream-2:#E2EAF6;
  --cream-3:#C9D8EE;
  --white:#FFFFFF;
  --gold:#C9A84C;
  --gold-lt:#D4B96A;
  --gold-dk:#A07830;
  --gold-pale:#EAD9A8;
  --gold-bg:rgba(201,168,76,.07);
  --ink:#0A1628;
  --ink-2:#0F1F38;
  --black:#08111E;
  --dark:#1A2D48;
  --mid:#3D5272;
  --muted:#6B82A0;
  --border:rgba(201,168,76,.22);
  --border-s:rgba(201,168,76,.42);
  --shadow:0 4px 36px rgba(10,22,40,.09);
  --shadow-lg:0 14px 70px rgba(10,22,40,.16);
  --fm:'Montserrat',sans-serif;
  --fp:'Playfair Display',Georgia,serif;
  --fb:'Inter',system-ui,sans-serif;
}
html{scroll-behavior:smooth}
body{background:var(--cream);color:var(--dark);font-family:var(--fb);overflow-x:hidden}
::-webkit-scrollbar{width:4px}
::-webkit-scrollbar-track{background:var(--cream-2)}
::-webkit-scrollbar-thumb{background:var(--gold-dk)}
img{max-width:100%;height:auto}
a{text-decoration:none}

/* ── NAV ── */
nav{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  display:flex;align-items:center;justify-content:space-between;
  padding:0 70px;height:84px;
  background:rgba(251,249,243,.97);backdrop-filter:blur(20px);
  border-bottom:1px solid var(--border);
  box-shadow:0 1px 20px rgba(20,16,4,.05);
  transition:box-shadow .3s;
}
.nav-logo{display:flex;align-items:center;gap:14px;cursor:pointer;text-decoration:none}
.nav-logo-img{width:42px;height:42px;object-fit:contain;mix-blend-mode:multiply;}
.nav-logo-text{display:flex;flex-direction:column;gap:2px}
.nav-logo-main{font-family:var(--fm);font-size:.7rem;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--ink)}
.nav-logo-sub{font-size:.5rem;font-weight:500;color:var(--gold-dk);letter-spacing:.24em;text-transform:uppercase}
.nav-links{display:flex;gap:38px;list-style:none}
.nav-links a{font-family:var(--fm);font-size:.62rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--mid);text-decoration:none;cursor:pointer;transition:color .2s}
.nav-links a:hover,.nav-links a.current{color:var(--gold-dk)}
.nav-cta{
  border:1px solid var(--gold-dk)!important;
  color:var(--ink)!important;
  padding:9px 26px;
  border-radius:0;
  transition:all .28s!important;
}
.nav-cta:hover{background:var(--ink)!important;border-color:var(--ink)!important;color:var(--gold-pale)!important}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:4px}
.hamburger span{display:block;width:22px;height:1.5px;background:var(--gold-dk);transition:all .3s}

.page{padding-top:76px;min-height:60vh}
.no-pad-top{padding-top:0}

/* ══ HERO ══ */
.hero{
  position:relative;min-height:100vh;
  display:flex;flex-direction:column;overflow:hidden;
  background:radial-gradient(ellipse 90% 70% at 78% 30%,#1A3560 0%,var(--ink-2) 45%,var(--ink) 100%);
}
.hero-logo-bg{
  position:absolute;
  right:4%;top:50%;
  transform:translateY(-50%);
  width:min(420px,36vw);height:min(420px,36vw);
  max-width:calc(50vw - 40px);
  object-fit:contain;
  opacity:.09;
  filter:grayscale(1) brightness(3) sepia(1) saturate(2) hue-rotate(5deg);
  pointer-events:none;
  z-index:0;
  overflow:hidden;
}
.hero-stripe{
  position:absolute;
  top:0;right:0;
  width:45%;height:100%;
  background:linear-gradient(160deg,transparent 0%,rgba(201,169,97,.04) 50%,rgba(201,169,97,.08) 100%);
  pointer-events:none;z-index:0;
}
.hero-stripe::after{
  content:'';position:absolute;
  left:0;top:0;bottom:0;width:1px;
  background:linear-gradient(180deg,transparent,rgba(201,169,97,.3),transparent);
}
.hero-main{
  position:relative;z-index:2;flex:1;
  display:flex;align-items:center;
  padding:150px 70px 60px;
}
.hero-content{max-width:680px}
.hero-kicker{
  display:inline-flex;align-items:center;gap:14px;
  font-family:var(--fm);font-size:.6rem;font-weight:600;
  letter-spacing:.32em;text-transform:uppercase;color:var(--gold-lt);
  margin-bottom:34px;
  background:transparent;
  border-top:1px solid rgba(201,169,97,.35);
  border-bottom:1px solid rgba(201,169,97,.35);
  padding:9px 0;
}
.hero-kicker-dot{width:4px;height:4px;border-radius:50%;background:var(--gold-lt)}
.hero-h1{
  font-family:var(--fp);font-weight:700;
  font-size:clamp(2.6rem,6vw,5.4rem);line-height:1.04;letter-spacing:-.01em;
  color:var(--white);margin-bottom:10px;
}
.hero-h1 .g{color:var(--gold-lt);font-style:italic}
.hero-h1 .g2{
  color:var(--gold-lt);font-style:italic;
}
.hero-tagline{
  font-family:var(--fp);font-size:clamp(1rem,1.6vw,1.22rem);
  font-style:italic;color:rgba(245,239,222,.6);
  margin:18px 0 38px;line-height:1.5;
}
.hero-badge{
  display:inline-flex;align-items:center;gap:12px;
  background:transparent;color:var(--gold-pale);
  border:1px solid rgba(201,169,97,.4);
  font-family:var(--fm);font-size:clamp(.62rem,1.1vw,.74rem);
  font-weight:600;letter-spacing:.16em;text-transform:uppercase;
  padding:13px 28px;margin-bottom:44px;
}
.star{opacity:.6;font-size:.85em}
.hero-btns{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.hero-stats{
  position:relative;z-index:2;
  display:grid;grid-template-columns:repeat(4,1fr);
  border-top:1px solid rgba(201,169,97,.18);
  background:rgba(14,12,8,.4);backdrop-filter:blur(12px);
}
.hero-stat{
  padding:30px 20px;text-align:center;
  border-right:1px solid rgba(201,169,97,.15);
}
.hero-stat:last-child{border-right:none}
.hero-stat-n{
  font-family:var(--fp);font-weight:700;
  font-size:clamp(1.5rem,2.6vw,2.2rem);
  color:var(--gold-lt);line-height:1;margin-bottom:6px;
}
.hero-stat-l{
  font-family:var(--fm);font-size:.56rem;font-weight:600;
  letter-spacing:.18em;text-transform:uppercase;color:rgba(245,239,222,.5);
}

/* ── TICKER ── */
.ticker{
  background:var(--ink);height:44px;overflow:hidden;
  display:flex;align-items:center;
  border-top:1px solid rgba(201,169,97,.25);border-bottom:1px solid rgba(201,169,97,.25);
}
.ticker-track{display:flex;white-space:nowrap;animation:ticker 36s linear infinite}
.ti{
  display:inline-flex;align-items:center;gap:14px;padding:0 28px;
  font-family:var(--fm);font-size:.6rem;font-weight:600;
  letter-spacing:.2em;text-transform:uppercase;color:var(--gold-pale);
  opacity:.85;
}
.td{width:3px;height:3px;border-radius:50%;background:rgba(201,169,97,.5)}
@keyframes ticker{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* ── COMMON ── */
.sec{padding:100px 64px}
.sec-inner{max-width:1200px;margin:0 auto}
.badge{
  display:inline-block;
  background:transparent;border-top:1px solid var(--border-s);border-bottom:1px solid var(--border-s);
  color:var(--gold-dk);font-family:var(--fm);
  font-size:.58rem;font-weight:600;letter-spacing:.28em;
  text-transform:uppercase;padding:6px 0;margin-bottom:20px;
}
.sec-title{
  font-family:var(--fp);font-weight:700;
  font-size:clamp(1.6rem,3.2vw,2.5rem);letter-spacing:0;
  color:var(--ink);line-height:1.16;
}
.sec-title .g{color:var(--gold-dk);font-style:italic}
.sec-sub{font-size:.9rem;color:var(--muted);line-height:1.75;margin-top:14px}
.divider{width:40px;height:1px;background:var(--gold);margin:24px 0}

/* BREADCRUMB */
.breadcrumb{
  font-family:var(--fm);font-size:.62rem;font-weight:700;letter-spacing:.08em;
  text-transform:uppercase;color:var(--muted);margin-bottom:18px;
  position:relative;z-index:1;
}
.breadcrumb a{color:var(--muted);transition:color .2s}
.breadcrumb a:hover{color:var(--gold-dk)}
.breadcrumb span{margin:0 8px;opacity:.5}
.breadcrumb .cur{color:var(--gold-dk)}

/* BUTTONS */
.btn{
  display:inline-flex;align-items:center;gap:10px;
  font-family:var(--fm);font-size:.68rem;font-weight:600;
  letter-spacing:.18em;text-transform:uppercase;
  padding:15px 34px;border:1px solid transparent;cursor:pointer;
  text-decoration:none;transition:all .28s;border-radius:0;
}
.btn-gold{background:var(--ink);color:var(--gold-pale);border-color:var(--ink)}
.btn-gold:hover{background:var(--gold-dk);border-color:var(--gold-dk);color:var(--white);transform:translateY(-1px);box-shadow:0 6px 28px rgba(10,22,40,.18)}
.btn-outline{background:transparent;color:var(--ink);border:1px solid var(--border-s)}
.btn-outline:hover{background:var(--ink);border-color:var(--ink);color:var(--gold-pale)}
/* btn-outline on dark backgrounds (hero, dark sections) */
.hero .btn-outline,
.ba-section .btn-outline,
.map-section .btn-outline,
.skyline-wrap .btn-outline{
  color:var(--gold-pale);
  border-color:rgba(201,168,76,.5);
}
.hero .btn-outline:hover,
.ba-section .btn-outline:hover{
  background:var(--gold);
  border-color:var(--gold);
  color:var(--ink);
}
.btn-white{background:transparent;color:var(--gold-pale);border:1px solid rgba(245,239,222,.4)}
.btn-white:hover{background:var(--gold-pale);color:var(--ink);border-color:var(--gold-pale)}

/* ── LOAN CARDS ── */
.cards-grid{
  display:grid;grid-template-columns:1fr 1fr;gap:20px;
  margin-top:52px;
}
.lc{
  background:var(--white);border:1px solid var(--border);border-top:2px solid var(--gold-dk);
  overflow:hidden;transition:all .3s;
  box-shadow:var(--shadow);
}
.lc:hover{box-shadow:var(--shadow-lg);transform:translateY(-2px);border-color:var(--border-s);border-top-color:var(--gold-dk)}
.lc-head,.lc-head-link{
  display:flex;align-items:center;gap:18px;
  padding:26px 28px;
  background:var(--cream);
  border-bottom:1px solid var(--border);
  text-decoration:none;width:100%;cursor:pointer;
}
.lc-icon{
  width:44px;height:44px;border-radius:0;
  background:transparent;border:1px solid var(--border-s);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.lc-icon svg{width:18px;height:18px;stroke:var(--gold-dk);fill:none;stroke-width:1.6}
.lc-title{
  font-family:var(--fp);font-size:clamp(.92rem,1.4vw,1.08rem);
  font-weight:700;text-transform:none;letter-spacing:0;color:var(--ink);line-height:1.3;
  transition:color .2s;
}
.lc:hover .lc-title{color:var(--gold-dk);text-decoration:underline;text-underline-offset:3px}
.lc-arrow{font-size:.85em;opacity:0;margin-left:4px;transition:all .2s;display:inline-block;transform:translateX(-4px)}
.lc:hover .lc-arrow{opacity:1;transform:translateX(0);color:var(--gold-dk)}
.lc-body{padding:24px 28px;display:flex;flex-direction:column}
.spec-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:12px 0;border-bottom:1px solid rgba(139,109,20,.08);
}
.spec-row:last-child{border-bottom:none}
.spec-l{display:flex;align-items:flex-start;gap:10px}
.chk{
  width:17px;height:17px;border-radius:50%;
  background:var(--gold-dk);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;
}
.chk svg{width:9px;height:9px;stroke:var(--white);fill:none;stroke-width:3}
.spec-txt{font-family:var(--fb);font-size:.8rem;color:var(--mid);line-height:1.4}
.spec-val{
  font-family:var(--fm);font-weight:900;color:var(--gold-dk);
  font-size:clamp(1.3rem,2.5vw,1.8rem);white-space:nowrap;margin-left:10px;line-height:1;
}
.spec-stack{text-align:right;display:flex;flex-direction:column;gap:3px}

/* ── PILLARS ── */
.pillars-wrap{
  background:var(--white);
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
}
.pillars{display:grid;grid-template-columns:repeat(5,1fr);gap:0}
.pillar{
  padding:40px 20px;text-align:center;
  border-right:1px solid var(--border);
  transition:background .2s;
}
.pillar:last-child{border-right:none}
.pillar:hover{background:var(--cream-2)}
.pillar-ico{
  width:50px;height:50px;margin:0 auto 18px;
  background:transparent;border:1px solid var(--border-s);
  border-radius:0;display:flex;align-items:center;justify-content:center;
}
.pillar-ico svg{width:20px;height:20px;stroke:var(--gold-dk);fill:none;stroke-width:1.4}
.pillar-t{font-family:var(--fp);font-size:.84rem;font-weight:700;letter-spacing:0;text-transform:none;color:var(--ink);margin-bottom:8px}
.pillar-s{font-size:.77rem;color:var(--muted);line-height:1.6}

/* ── PROCESS ── */
.proc-steps{display:grid;grid-template-columns:repeat(4,1fr);margin-top:56px;position:relative}
.proc-steps::before{content:'';position:absolute;top:44px;left:11%;right:11%;height:1px;background:var(--border-s);z-index:0}
.proc-step{padding:0 20px;position:relative;z-index:1}
.proc-num{
  width:80px;height:80px;
  background:var(--ink);color:var(--gold-lt);
  display:flex;align-items:center;justify-content:center;margin-bottom:24px;
}
.proc-num span{font-family:var(--fp);font-size:1.5rem;font-weight:700}
.proc-t{font-family:var(--fp);font-size:.95rem;font-weight:700;text-transform:none;letter-spacing:0;color:var(--ink);margin-bottom:10px}
.proc-s{font-size:.8rem;color:var(--muted);line-height:1.7}

/* ── WHY AYIN ── */
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
.why-feats{display:flex;flex-direction:column;gap:0}
.why-feat{display:flex;gap:18px;padding:22px 0;border-bottom:1px solid rgba(139,109,20,.1)}
.why-feat:last-child{border-bottom:none}
.why-ico{
  width:42px;height:42px;
  background:var(--gold-bg);border:1px solid var(--border);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.why-ico svg{width:18px;height:18px;stroke:var(--gold-dk);fill:none;stroke-width:1.8}
.why-ft{font-family:var(--fm);font-size:.77rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--black);margin-bottom:5px}
.why-fs{font-size:.82rem;color:var(--muted);line-height:1.65}
.why-visual{
  position:relative;
  background:linear-gradient(145deg,var(--cream-2),var(--cream-3));
  border:1px solid var(--border);
  padding:60px 40px;text-align:center;overflow:hidden;
  box-shadow:var(--shadow-lg);
}
.why-vis-logo{position:absolute;inset:-20px;display:flex;align-items:center;justify-content:center;}
.why-vis-logo img{width:85%;max-width:340px;object-fit:contain;opacity:.08;filter:sepia(1) saturate(1.5) hue-rotate(5deg);}
.why-stat-wrap{position:relative;z-index:2}
.why-big{font-family:var(--fm);font-weight:900;font-size:clamp(3.5rem,7vw,5.5rem);color:var(--gold-dk);line-height:1;margin-bottom:8px;}
.why-lbl{font-family:var(--fm);font-size:.62rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);}
.why-sep{width:36px;height:2px;background:var(--gold);margin:20px auto}
.why-note{font-size:.82rem;color:var(--mid);line-height:1.7}

/* ── LOGO SHOWCASE ── */
.logo-section{background:var(--white);padding:80px 64px;border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.logo-section-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center;}
.logo-display-wrap{position:relative;display:flex;align-items:center;justify-content:center;background:var(--white);border:1px solid var(--border);padding:60px 40px;overflow:hidden;}
.logo-display-wrap::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 70% 70% at 50% 50%,rgba(184,145,42,.12) 0%,transparent 70%);}
.logo-display-img{position:relative;z-index:1;width:300px;height:300px;object-fit:contain;filter:drop-shadow(0 12px 40px rgba(139,109,20,.25));}
.logo-tagline-col{padding:20px 0}
.logo-tc-eyebrow{font-family:var(--fm);font-size:.62rem;font-weight:700;letter-spacing:.28em;text-transform:uppercase;color:var(--gold-dk);margin-bottom:20px;}
.logo-tc-title{font-family:var(--fp);font-size:clamp(1.6rem,3vw,2.4rem);font-weight:700;color:var(--black);line-height:1.2;margin-bottom:20px;}
.logo-tc-title em{font-style:italic;color:var(--gold-dk)}
.logo-tc-body{font-size:.88rem;color:var(--mid);line-height:1.8;margin-bottom:28px}
.logo-tc-stats{display:flex;gap:32px;flex-wrap:wrap}
.lts-item{display:flex;flex-direction:column;gap:4px}
.lts-n{font-family:var(--fm);font-size:1.6rem;font-weight:900;color:var(--gold-dk)}
.lts-l{font-family:var(--fm);font-size:.57rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}

/* ── CTA BAND ── */
.cta-band{background:var(--ink);padding:90px 70px;text-align:center;position:relative;overflow:hidden;border-top:1px solid rgba(201,169,97,.25);border-bottom:1px solid rgba(201,169,97,.25);}
.cta-band-logo{position:absolute;right:5%;top:50%;transform:translateY(-50%);width:320px;height:320px;object-fit:contain;opacity:.05;filter:brightness(10);pointer-events:none;}
.cta-t{font-family:var(--fp);font-weight:700;font-size:clamp(1.5rem,3vw,2.3rem);color:var(--white);margin-bottom:12px;position:relative;letter-spacing:0}
.cta-s{font-size:.9rem;color:rgba(245,239,222,.5);margin-bottom:32px;position:relative}
.cta-contacts{display:flex;align-items:center;justify-content:center;gap:30px;flex-wrap:wrap;margin-bottom:32px;position:relative}
.cta-ci{display:flex;align-items:center;gap:8px;font-family:var(--fm);font-size:.8rem;font-weight:700;color:var(--gold-pale)}
.cta-ci svg{width:14px;height:14px;stroke:var(--gold);fill:none;stroke-width:2.2}
.cta-ci a{color:inherit}

/* ── FOOTER ── */
footer{background:var(--ink);border-top:1px solid rgba(201,169,97,.25);padding:74px 70px 38px}
.ft{max-width:1200px;margin:0 auto}
.ft-top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:48px;padding-bottom:48px;border-bottom:1px solid rgba(201,169,97,.18);margin-bottom:30px}
.ft-logo-row{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.ft-logo-img{width:38px;height:38px;object-fit:contain;}
.ft-brand{font-family:var(--fp);font-weight:700;font-size:1rem;letter-spacing:.02em;color:var(--gold-pale)}
.ft-tag{font-size:.58rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-dk);margin-bottom:14px}
.ft-desc{font-size:.76rem;color:rgba(245,239,222,.45);line-height:1.72}
.ft-col-t{font-family:var(--fm);font-size:.56rem;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-lt);margin-bottom:16px}
.ft-links{list-style:none;display:flex;flex-direction:column;gap:9px}
.ft-links a,.ft-links button{font-size:.76rem;color:rgba(245,239,222,.55);text-decoration:none;cursor:pointer;background:none;border:none;text-align:left;padding:0;transition:color .2s;font-family:inherit}
.ft-links a:hover,.ft-links button:hover{color:var(--gold-lt)}
.ft-bottom{display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:10px}
.ft-copy{font-size:.69rem;color:rgba(245,239,222,.4)}
.ft-disc{font-size:.65rem;color:rgba(245,239,222,.3);max-width:540px;line-height:1.5}

/* ── INNER PAGES ── */
.ph{padding:96px 70px 58px;background:var(--ink);border-bottom:1px solid rgba(201,169,97,.25);position:relative;overflow:hidden;}
.ph-bg-logo{position:absolute;right:-40px;top:50%;transform:translateY(-50%);width:340px;height:340px;object-fit:contain;opacity:.05;filter:brightness(10);pointer-events:none;z-index:0;}
.ph-inner{max-width:1200px;margin:0 auto;position:relative;z-index:1}
.ph-title{font-family:var(--fp);font-weight:700;font-size:clamp(1.9rem,4.5vw,3.4rem);letter-spacing:0;color:var(--white);line-height:1.12;margin-bottom:16px}
.ph-title .g{color:var(--gold-lt);font-style:italic}
.ph .breadcrumb,.ph .breadcrumb a{color:rgba(245,239,222,.5)}
.ph .breadcrumb .cur{color:var(--gold-lt)}
.ph-desc{font-size:.9rem;color:rgba(245,239,222,.5);line-height:1.78;max-width:580px}
.ph-desc a{color:var(--gold-lt)}

/* ABOUT */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:72px}
.at p{font-size:.9rem;color:var(--mid);line-height:1.85;margin-bottom:18px}
.at p strong{color:var(--black);font-weight:600}
.avals{display:flex;flex-direction:column;gap:1px}
.aval{background:var(--white);border:1px solid var(--border);padding:22px 24px;display:flex;gap:14px;margin-bottom:8px;transition:box-shadow .2s}
.aval:hover{box-shadow:var(--shadow)}
.avn{font-family:var(--fm);font-weight:900;font-size:.85rem;color:var(--gold-dk);flex-shrink:0;margin-top:1px}
.avt{font-family:var(--fm);font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--black);margin-bottom:4px}
.avs{font-size:.78rem;color:var(--muted);line-height:1.6}
.founder-card{border:1px solid var(--border);padding:50px;display:flex;gap:48px;align-items:center;background:var(--white);position:relative;box-shadow:var(--shadow-lg);}
.founder-card::before{content:'';position:absolute;top:0;left:0;width:3px;height:100%;background:var(--gold-dk)}
.founder-av{width:110px;height:110px;border:2px solid var(--gold-dk);flex-shrink:0;background:var(--gold-bg);display:flex;align-items:center;justify-content:center;font-family:var(--fm);font-size:2.6rem;font-weight:900;color:var(--gold-dk);}
.founder-nm{font-family:var(--fm);font-size:1.65rem;font-weight:900;text-transform:uppercase;color:var(--black);margin-bottom:4px}
.founder-rl{font-family:var(--fm);font-size:.63rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-dk);margin-bottom:14px}
.founder-bio{font-size:.86rem;color:var(--mid);line-height:1.8}

/* PROGRAMS */
.progs{display:flex;flex-direction:column;gap:12px;margin-top:8px}
.prog{background:var(--white);border:1px solid var(--border);display:grid;grid-template-columns:240px 1fr 180px;transition:all .22s;box-shadow:var(--shadow)}
.prog:hover{box-shadow:var(--shadow-lg);border-color:var(--border-s)}
.prog-l{padding:36px 28px;border-right:1px solid var(--border);background:var(--cream)}
.prog-tag{font-family:var(--fm);font-size:.56rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-dk);margin-bottom:7px}
.prog-nm{font-family:var(--fm);font-size:1rem;font-weight:900;text-transform:uppercase;color:var(--black);line-height:1.25}
.prog-nm a{color:inherit}
.prog-b{padding:36px 28px}
.prog-desc{font-size:.82rem;color:var(--muted);line-height:1.72;margin-bottom:18px}
.prog-specs{display:flex;gap:24px;flex-wrap:wrap}
.ps-l{font-size:.56rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-dk);margin-bottom:3px}
.ps-v{font-family:var(--fm);font-size:1rem;font-weight:900;color:var(--black)}
.prog-a{padding:36px 20px;display:flex;align-items:flex-start;justify-content:flex-end}

/* FORMS */
.apply-wrap{max-width:980px;margin:0 auto}
.apply-grid{display:grid;grid-template-columns:1fr 300px;gap:48px}
.fg{display:flex;flex-direction:column;gap:7px;margin-bottom:16px}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.fl{font-family:var(--fm);font-size:.6rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--gold-dk)}
.fi,.fs,.fta{
  background:var(--white);border:1px solid var(--border);
  color:var(--dark);font-family:var(--fb);font-size:.87rem;
  padding:11px 14px;outline:none;transition:border-color .2s;
  width:100%;appearance:none;
}
.fi:focus,.fs:focus,.fta:focus{border-color:var(--gold)}
.fi::placeholder,.fta::placeholder{color:rgba(139,109,20,.3)}
.fs option{background:var(--white)}
.fta{resize:vertical;min-height:110px}
.fn{font-size:.72rem;color:var(--muted);line-height:1.55}
.sidebar-box{background:var(--cream-2);border:1px solid var(--border);padding:28px;margin-bottom:12px}
.sb-title{font-family:var(--fm);font-size:.6rem;font-weight:800;letter-spacing:.17em;text-transform:uppercase;color:var(--gold-dk);margin-bottom:16px}
.sb-item{display:flex;gap:12px;align-items:flex-start;margin-bottom:12px}
.sb-item:last-child{margin-bottom:0}
.sb-ico{width:28px;height:28px;border:1px solid var(--border);display:flex;align-items:center;justify-content:center;flex-shrink:0;background:var(--white)}
.sb-ico svg{width:12px;height:12px;stroke:var(--gold-dk);fill:none;stroke-width:1.8}
.sb-lbl{font-size:.56rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-dk);margin-bottom:2px}
.sb-val{font-size:.79rem;color:var(--dark)}
.sb-val a{color:var(--dark);text-decoration:none}
.sb-step{display:flex;gap:11px;align-items:flex-start;margin-bottom:11px}
.sb-step:last-child{margin-bottom:0}
.sb-sn{width:20px;height:20px;background:var(--gold-dk);display:flex;align-items:center;justify-content:center;flex-shrink:0;font-family:var(--fm);font-size:.6rem;font-weight:900;color:var(--white)}
.sb-st{font-size:.75rem;color:var(--mid);line-height:1.55;padding-top:1px}

/* CONTACT */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;max-width:1100px;margin:0 auto}
.ci-list{display:flex;flex-direction:column}
.ci{padding:24px 0;border-bottom:1px solid var(--border)}
.ci:first-child{padding-top:0}
.ci-lbl{font-family:var(--fm);font-size:.58rem;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-dk);margin-bottom:6px}
.ci-val{font-family:var(--fm);font-size:1rem;font-weight:700;color:var(--black)}
.ci-val a{color:var(--black);text-decoration:none;transition:color .2s}
.ci-val a:hover{color:var(--gold-dk)}
.cf-box{background:var(--white);border:1px solid var(--border);padding:40px;box-shadow:var(--shadow)}
.cf-box h3{font-family:var(--fm);font-size:.92rem;font-weight:900;text-transform:uppercase;color:var(--black);margin-bottom:6px}
.cf-box p{font-size:.8rem;color:var(--muted);margin-bottom:22px;line-height:1.6}

/* FAQ */
.faq-wrap{max-width:820px;margin:0 auto}
.faq-category{font-family:var(--font-head);font-size:.7rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-dk);padding:28px 0 10px;border-bottom:2px solid var(--gold-lt);margin-bottom:4px}
.faq-category:first-child{padding-top:0}
.faq-item{border-bottom:1px solid var(--border)}
.faq-q{width:100%;background:none;border:none;text-align:left;padding:22px 0;display:flex;justify-content:space-between;align-items:center;cursor:pointer;gap:16px;font-family:inherit}
.faq-qt{font-family:var(--fm);font-size:.8rem;font-weight:800;text-transform:uppercase;letter-spacing:.04em;color:var(--black);line-height:1.35}
.faq-ico{width:26px;height:26px;border:1.5px solid var(--border);flex-shrink:0;display:flex;align-items:center;justify-content:center;transition:all .22s;background:var(--white)}
.faq-ico svg{width:11px;height:11px;stroke:var(--gold-dk);fill:none;stroke-width:2.5;transition:transform .22s}
.faq-item.open .faq-ico{background:var(--gold-dk);border-color:var(--gold-dk)}
.faq-item.open .faq-ico svg{stroke:var(--white);transform:rotate(45deg)}
.faq-a{overflow:hidden;max-height:0;transition:max-height .32s ease}
.faq-ai{padding-bottom:20px;font-size:.84rem;color:var(--mid);line-height:1.82}

/* 404 */
.error-wrap{padding:160px 64px 120px;text-align:center;max-width:640px;margin:0 auto}
.error-code{font-family:var(--fm);font-weight:900;font-size:clamp(4rem,12vw,8rem);color:var(--gold-dk);line-height:1}

/* ── RESPONSIVE ── */
@media(max-width:1100px){
  nav{padding:0 28px}
  .sec,.ph,footer,.logo-section,.cta-band{padding-left:28px;padding-right:28px}
  .cards-grid{grid-template-columns:1fr}
  .pillars{grid-template-columns:repeat(3,1fr)}
  .proc-steps{grid-template-columns:1fr 1fr;gap:40px}
  .proc-steps::before{display:none}
  .why-grid{grid-template-columns:1fr}
  .about-grid{grid-template-columns:1fr}
  .apply-grid{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
  .ft-top{grid-template-columns:1fr 1fr;gap:36px}
  .prog{grid-template-columns:1fr}
  .prog-l{border-right:none;border-bottom:1px solid var(--border)}
  .prog-a{display:none}
  .logo-section-inner{grid-template-columns:1fr}
  .logo-display-wrap{padding:40px}
}
@media(max-width:768px){
  nav{padding:0 18px;height:62px}
  .nav-links{display:none}
  .hamburger{display:flex}
  .nav-links.open{display:flex;flex-direction:column;position:fixed;top:62px;left:0;right:0;background:rgba(253,251,246,.98);backdrop-filter:blur(16px);padding:24px 18px;gap:16px;border-bottom:1px solid var(--border);z-index:999}
  .nav-links.open a{font-size:.9rem}
  .hero-main{padding:100px 18px 40px}
  .hero-logo-bg{display:none}
  .hero-stats{grid-template-columns:repeat(2,1fr)}
  .pillars{grid-template-columns:1fr 1fr}
  .proc-steps{grid-template-columns:1fr}
  .frow{grid-template-columns:1fr}
  .ft-top{grid-template-columns:1fr}
  .founder-card{flex-direction:column;padding:28px 20px}
  .cta-band{padding:60px 18px}
  .sec{padding:60px 18px}
  .ph{padding:70px 18px 40px}
  footer{padding:55px 18px 30px}
  .hero-badge{padding:10px 16px;font-size:.68rem}
  .logo-section{padding:60px 18px}
  .logo-display-img{width:180px;height:180px}
  .lts-item{min-width:80px}
}

/* ══ MULTI-STEP FORM ══ */
.msf-wrap{display:grid;grid-template-columns:1fr 280px;gap:28px;align-items:start;max-width:1140px;margin:0 auto}
.msf-left-col{min-width:0;display:flex;flex-direction:column;gap:0}
.msf-indicator{margin-bottom:32px;}
.msf-steps{display:flex;align-items:center;justify-content:center;margin-bottom:16px;gap:0}
.msf-step{display:flex;flex-direction:column;align-items:center;gap:6px;flex:0 0 auto}
.msf-step-circle{width:36px;height:36px;border-radius:50%;border:2px solid var(--border);background:var(--white);color:var(--muted);font-family:var(--fm);font-size:.72rem;font-weight:800;display:flex;align-items:center;justify-content:center;transition:all .3s}
.msf-step.active .msf-step-circle{background:var(--gold-dk);border-color:var(--gold-dk);color:var(--white)}
.msf-step.done .msf-step-circle{background:var(--gold-bg);border-color:var(--gold);color:var(--gold-dk)}
.msf-step-label{font-family:var(--fm);font-size:.56rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);white-space:nowrap}
.msf-step.active .msf-step-label{color:var(--gold-dk)}
.msf-connector{flex:1;height:2px;background:var(--border);margin:0 8px;margin-bottom:22px;transition:background .3s}
.msf-connector.done{background:var(--gold)}
.msf-progress-bar{height:3px;background:var(--border);border-radius:2px;overflow:hidden}
.msf-progress-fill{height:100%;background:linear-gradient(90deg,var(--gold-dk),var(--gold));border-radius:2px;transition:width .4s ease}
.msf-card{background:var(--white);border:1px solid var(--border);box-shadow:var(--shadow-lg);padding:48px}
.msf-panel{display:none !important}
.msf-panel.active{display:block !important}
.msf-panel-header{margin-bottom:32px}
.msf-panel-num{font-family:var(--fm);font-size:.6rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.msf-panel-title{font-family:var(--fm);font-weight:900;font-size:clamp(1.3rem,2.5vw,1.9rem);text-transform:uppercase;color:var(--black);line-height:1.1;margin-bottom:8px}
.msf-panel-sub{font-size:.85rem;color:var(--muted);line-height:1.6}
.radio-cards{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:36px}
.radio-card{display:flex;flex-direction:column;gap:6px;padding:20px 18px;border:2px solid var(--border);background:var(--cream);cursor:pointer;transition:all .2s;position:relative}
.radio-card input[type="radio"]{position:absolute;opacity:0;pointer-events:none}
.radio-card:hover{border-color:var(--gold);background:var(--cream-2)}
.radio-card.selected{border-color:var(--gold-dk);background:rgba(184,145,42,.06);box-shadow:0 0 0 3px rgba(184,145,42,.12)}
.rc-icon{font-size:1.6rem;line-height:1}
.rc-title{font-family:var(--fm);font-size:.82rem;font-weight:800;color:var(--black);text-transform:uppercase;letter-spacing:.04em}
.rc-desc{font-size:.75rem;color:var(--muted);line-height:1.4}
.radio-pills{display:flex;flex-wrap:wrap;gap:10px;margin-top:4px}
.pill{display:flex;align-items:center;gap:8px;padding:9px 16px;border:1.5px solid var(--border);background:var(--white);cursor:pointer;font-size:.78rem;color:var(--mid);transition:all .2s;font-family:var(--fb)}
.pill.pill-selected{border-color:var(--gold-dk);background:rgba(184,145,42,.06);color:var(--black);font-weight:600}
.pill input{accent-color:var(--gold-dk)}
.msf-fields{margin-bottom:32px}
.msf-nav{display:flex;justify-content:space-between;align-items:center;padding-top:24px;border-top:1px solid var(--border)}
.msf-sidebar{display:flex;flex-direction:column;gap:16px;position:sticky;top:92px;align-self:start;}
.msf-sidebar-header{background:linear-gradient(135deg,var(--cream-3),var(--cream-2));border:1px solid var(--border);padding:24px 22px 20px;position:relative;overflow:hidden;}
.msf-sidebar-header::before{content:'';position:absolute;top:0;left:0;width:3px;height:100%;background:linear-gradient(180deg,var(--gold-lt),var(--gold-dk));}
.msf-sidebar-badge{font-family:var(--fm);font-size:.55rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-dk);margin-bottom:8px;}
.msf-sidebar-title{font-family:var(--fm);font-size:1.15rem;font-weight:900;text-transform:uppercase;letter-spacing:.04em;color:var(--black);line-height:1.1;margin-bottom:10px;}
.msf-sidebar-sub{font-size:.76rem;color:var(--mid);line-height:1.55;}
.msf-trust{background:var(--white);border:1px solid var(--border);border-top:none;padding:6px 0;}
.msf-trust-item{display:flex;gap:14px;align-items:center;padding:13px 20px;border-bottom:1px solid rgba(139,109,20,.07);transition:background .18s;}
.msf-trust-item:last-child{border-bottom:none}
.msf-trust-item:hover{background:var(--cream)}
.msf-trust-icon{font-size:1.3rem;flex-shrink:0;width:36px;height:36px;background:var(--gold-bg);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;}
.msf-trust-item strong{font-family:var(--fm);font-size:.74rem;font-weight:800;text-transform:uppercase;letter-spacing:.04em;color:var(--black);display:block;margin-bottom:2px;}
.msf-trust-item span{font-size:.72rem;color:var(--muted);line-height:1.4;}
.msf-direct-contact{background:var(--gold-dk);padding:20px;text-align:center;border:1px solid var(--gold-dk);}
.msf-dc-label{font-family:var(--fm);font-size:.58rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.65);margin-bottom:8px;}
.msf-dc-phone{display:block;font-family:var(--fm);font-size:1.25rem;font-weight:900;color:var(--white);text-decoration:none;margin-bottom:5px;letter-spacing:.02em;transition:opacity .2s;}
.msf-dc-phone:hover{opacity:.85}
.msf-dc-sub{font-size:.68rem;color:rgba(255,255,255,.55)}
.msf-success{text-align:center;padding:20px 0}
.msf-success-icon{width:72px;height:72px;border-radius:50%;background:var(--gold-dk);color:var(--white);font-size:2rem;display:flex;align-items:center;justify-content:center;margin:0 auto 24px}
.msf-success-title{font-family:var(--fm);font-size:1.8rem;font-weight:900;text-transform:uppercase;color:var(--black);margin-bottom:12px}
.msf-success-msg{font-size:.9rem;color:var(--mid);line-height:1.7;max-width:420px;margin:0 auto 28px}
.msf-success-contacts{display:flex;flex-direction:column;gap:12px;max-width:360px;margin:0 auto}
.msf-contact-item{display:flex;align-items:center;gap:10px;font-size:.82rem;color:var(--mid);padding:12px 16px;background:var(--cream-2);border:1px solid var(--border)}
.msf-contact-item svg{stroke:var(--gold-dk);flex-shrink:0}
.msf-contact-item a{color:var(--gold-dk);font-weight:700;text-decoration:none}
.msf-submit:hover{animation:pulse-gold .6s ease}
@keyframes pulse-gold{0%{box-shadow:0 0 0 0 rgba(184,145,42,.4)}70%{box-shadow:0 0 0 10px rgba(184,145,42,0)}100%{box-shadow:0 0 0 0 rgba(184,145,42,0)}}
@media(max-width:680px){.radio-cards{grid-template-columns:1fr}.msf-card{padding:28px 20px}.msf-steps{gap:0}.msf-step-label{display:none}}
/* ── Form validation styles ── */
.fi-error{border-color:#c0392b !important;background:#fff8f8 !important;outline:none !important;box-shadow:0 0 0 3px rgba(192,57,43,.12) !important}
.fi-error-msg{font-family:var(--fm);font-size:.65rem;font-weight:700;color:#c0392b;margin-top:6px;letter-spacing:.03em;display:flex;align-items:center;gap:5px}
.fi-error-msg::before{content:'⚠';font-size:.7rem}
.form-error-banner{
  display:flex;align-items:center;gap:10px;
  background:#fff0f0;
  border-left:4px solid #c0392b;
  border-top:1px solid rgba(192,57,43,.2);
  border-right:1px solid rgba(192,57,43,.2);
  border-bottom:1px solid rgba(192,57,43,.2);
  color:#a93226;
  font-family:var(--fm);font-size:.72rem;font-weight:700;
  padding:12px 16px;margin-bottom:16px;letter-spacing:.03em;
  border-radius:0;
  animation:shake .35s ease;
}
.form-error-banner::before{content:'⚠';font-size:1rem;flex-shrink:0}
@keyframes shake{0%,100%{transform:translateX(0)}20%{transform:translateX(-6px)}40%{transform:translateX(6px)}60%{transform:translateX(-4px)}80%{transform:translateX(4px)}}

.dscr-section-divider{display:flex;align-items:center;gap:14px;margin:28px 0 24px;}
.dscr-section-divider::before,.dscr-section-divider::after{content:'';flex:1;height:1px;background:var(--gold);opacity:.4;}
.dscr-divider-label{font-family:var(--fm);font-size:.6rem;font-weight:800;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-dk);white-space:nowrap;background:var(--gold-bg);border:1px solid var(--border);padding:5px 14px;}
.fl-note{font-family:var(--fb);font-size:.62rem;font-weight:400;letter-spacing:0;text-transform:none;color:var(--muted);margin-left:4px;}
.dscr-fields{animation:fadeInDown .3s ease;}
@keyframes fadeInDown{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:translateY(0)}}

/* ── Extra small screens (≤480px) ── */
@media(max-width:480px){
  .hero-main{padding:90px 14px 32px}
  .hero-btns{flex-direction:column;align-items:flex-start;gap:10px}
  .hero-btns .btn{width:100%;justify-content:center}
  .hero-stats{grid-template-columns:1fr 1fr}
  .hero-stat{padding:18px 10px}
  .hero-kicker{font-size:.52rem;letter-spacing:.22em}
  .pillars{grid-template-columns:1fr}
  .pillar{border-right:none;border-bottom:1px solid var(--border)}
  .pillar:last-child{border-bottom:none}
  .logo-tc-stats{flex-direction:column;gap:16px}
  .ft-top{grid-template-columns:1fr}
  .map-stat-n{font-size:1.4rem}
  .ph-title{font-size:1.7rem}
  .cta-band{padding:48px 14px}
  .cta-contacts{flex-direction:column;gap:14px}
  .msf-card{padding:22px 14px}
  .sec{padding:48px 14px}
  footer{padding:44px 14px 28px}
  .prog-specs{grid-template-columns:1fr 1fr}
  .why-feat{padding:18px 0}
}
/* ── Apply form sidebar: hide on mobile ── */
@media(max-width:900px){
  .msf-wrap{grid-template-columns:1fr}
  .msf-sidebar{display:none}
}
@media print{nav,.cta-band,footer,.hero-stripe,.ph-bg-logo,.hero-logo-bg{display:none!important}}


/* ═══════════════════════════════════════════════════════
   SCROLL PROGRESS BAR
═══════════════════════════════════════════════════════ */
#scroll-progress{position:fixed;top:0;left:0;height:3px;background:var(--gold);z-index:9999;width:0;transition:width .1s linear;pointer-events:none}

/* ═══════════════════════════════════════════════════════
   BACK TO TOP BUTTON
═══════════════════════════════════════════════════════ */
#back-top{position:fixed;bottom:90px;right:24px;width:44px;height:44px;background:var(--gold);border:none;cursor:pointer;display:flex;align-items:center;justify-content:center;opacity:0;transform:translateY(12px);transition:opacity .3s,transform .3s;z-index:900;pointer-events:none}
#back-top.visible{opacity:1;transform:translateY(0);pointer-events:auto}
#back-top svg{width:20px;height:20px;stroke:var(--ink);fill:none;stroke-width:2.5}
#back-top:hover{background:var(--gold-lt)}

/* ═══════════════════════════════════════════════════════
   WHATSAPP BUTTON
═══════════════════════════════════════════════════════ */
#whatsapp-btn{position:fixed;bottom:32px;right:24px;width:52px;height:52px;background:#25D366;border-radius:50%;display:flex;align-items:center;justify-content:center;text-decoration:none;z-index:901;box-shadow:0 4px 20px rgba(0,0,0,.25);transition:transform .2s,box-shadow .2s}
#whatsapp-btn:hover{transform:scale(1.08);box-shadow:0 6px 28px rgba(0,0,0,.3)}
#whatsapp-btn svg{width:28px;height:28px;fill:#fff}
#whatsapp-tooltip{position:absolute;right:60px;background:rgba(10,22,40,.92);color:#fff;font-family:var(--fm);font-size:.6rem;font-weight:700;letter-spacing:.08em;white-space:nowrap;padding:6px 12px;pointer-events:none;opacity:0;transform:translateX(6px);transition:opacity .25s,transform .25s}
#whatsapp-btn:hover #whatsapp-tooltip{opacity:1;transform:translateX(0)}

/* ═══════════════════════════════════════════════════════
   MOBILE STICKY CTA
═══════════════════════════════════════════════════════ */
#mobile-cta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:800;padding:0;display:flex;border-top:1px solid rgba(201,168,76,.3);box-shadow:0 -4px 24px rgba(10,22,40,.18)}
#mobile-cta-call{flex:0 0 auto;display:flex;align-items:center;gap:8px;background:var(--ink);color:var(--gold-pale);font-family:var(--fm);font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;text-decoration:none;padding:16px 18px;border-right:1px solid rgba(201,168,76,.2);white-space:nowrap}
#mobile-cta-call svg{stroke:var(--gold);fill:none;stroke-width:2;width:15px;height:15px;flex-shrink:0}
#mobile-cta-apply{flex:1;display:flex;align-items:center;justify-content:center;gap:10px;background:var(--gold);color:var(--ink);font-family:var(--fm);font-size:.72rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;text-decoration:none;padding:16px}
#mobile-cta-apply svg{stroke:var(--ink);fill:none;stroke-width:2.5;width:13px;height:13px}
@media(max-width:768px){#mobile-cta{display:flex}body{padding-bottom:54px}}

/* ═══════════════════════════════════════════════════════
   SCROLL REVEAL
═══════════════════════════════════════════════════════ */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .55s ease,transform .55s ease}
.reveal.visible{opacity:1;transform:translateY(0)}
.reveal-delay-1{transition-delay:.12s}
.reveal-delay-2{transition-delay:.24s}
.reveal-delay-3{transition-delay:.36s}
.reveal-delay-4{transition-delay:.48s}

/* ═══════════════════════════════════════════════════════
   TOOLTIP ON FINANCIAL TERMS
═══════════════════════════════════════════════════════ */
.term-tip{border-bottom:1px dashed var(--gold);cursor:help;position:relative;display:inline-block}
.term-tip::after{content:attr(data-tip);position:absolute;bottom:calc(100% + 8px);left:50%;transform:translateX(-50%);background:rgba(10,22,40,.97);color:var(--gold-lt);font-family:var(--fb);font-size:.68rem;font-weight:400;letter-spacing:.02em;white-space:nowrap;padding:7px 12px;border:1px solid rgba(201,168,76,.2);pointer-events:none;opacity:0;transition:opacity .2s;z-index:200}
.term-tip:hover::after{opacity:1}

/* ═══════════════════════════════════════════════════════
   TOAST NOTIFICATION
═══════════════════════════════════════════════════════ */
#toast{position:fixed;bottom:100px;left:50%;transform:translateX(-50%) translateY(20px);background:var(--ink);color:var(--gold-lt);font-family:var(--fm);font-size:.7rem;font-weight:700;letter-spacing:.1em;padding:14px 28px;border:1px solid rgba(201,168,76,.3);z-index:9000;opacity:0;transition:opacity .3s,transform .3s;pointer-events:none;display:flex;align-items:center;gap:10px}
#toast.show{opacity:1;transform:translateX(-50%) translateY(0)}
.toast-check{color:#4caf50;font-size:1.1rem}

/* ═══════════════════════════════════════════════════════
   SKYLINE / BUILDING ANIMATION
═══════════════════════════════════════════════════════ */
.skyline-wrap{width:100%;overflow:hidden;background:linear-gradient(to bottom,var(--ink) 0%,#0A1628 100%);line-height:0}
.skyline-svg{width:100%;height:auto;display:block}

@keyframes rise{
  from{transform:scaleY(0);transform-origin:bottom center;opacity:0}
  to{transform:scaleY(1);transform-origin:bottom center;opacity:1}
}
.rise{animation:rise .9s cubic-bezier(.22,1,.36,1) both}

@keyframes crane-swing{
  0%,100%{transform:rotate(-1.5deg)}
  50%{transform:rotate(1.5deg)}
}
.crane-swing{animation:crane-swing 4s ease-in-out infinite}

@keyframes crane-load{
  0%,100%{transform:translateY(0)}
  50%{transform:translateY(14px)}
}
.crane-load{animation:crane-load 3s ease-in-out infinite}

@keyframes window-flicker{
  0%,90%,100%{opacity:.28}
  92%{opacity:.05}
  94%{opacity:.28}
  96%{opacity:.08}
  98%{opacity:.32}
}
.window-flicker{animation:window-flicker 5s infinite}

@keyframes blink-light{
  0%,49%{opacity:.6}
  50%,100%{opacity:.05}
}
.blink-light{animation:blink-light 1.6s step-end infinite}

/* ═══════════════════════════════════════════════════════
   BEFORE / AFTER SLIDER
═══════════════════════════════════════════════════════ */
.ba-section{background:var(--ink);padding-bottom:60px}
.ba-wrap{position:relative;overflow:hidden;cursor:col-resize;user-select:none;-webkit-user-select:none;max-width:1200px;margin:0 auto;border:1px solid rgba(201,168,76,.15)}

.ba-handle{position:absolute;top:0;bottom:0;width:4px;background:var(--gold);transform:translateX(-50%);pointer-events:none;z-index:20;will-change:left}
.ba-handle-circle{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);width:48px;height:48px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;pointer-events:all;cursor:col-resize;box-shadow:0 2px 20px rgba(0,0,0,.5);transition:transform .1s}
.ba-handle-circle:hover{transform:translate(-50%,-50%) scale(1.1)}
.ba-handle-circle svg{stroke:var(--ink);fill:none;width:22px;height:22px;pointer-events:none}

.ba-drag-hint{text-align:center;font-family:var(--fm);font-size:.6rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:rgba(245,239,222,.3);margin:18px 0 0;padding-bottom:0}

.ba-stat-row{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:6px 14px;background:rgba(10,22,40,.75);border:1px solid rgba(201,168,76,.12);backdrop-filter:blur(4px)}
.ba-before-stat .ba-stat-lbl,.ba-after-stat .ba-stat-lbl{font-family:var(--fm);font-size:.55rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:rgba(245,239,222,.45)}
.ba-before-stat .ba-stat-val,.ba-after-stat .ba-stat-val{font-family:var(--fm);font-size:.85rem;font-weight:800;color:var(--white)}
.ba-profit{color:#4caf50 !important}

@media(max-width:680px){
  #ba-after-img,#ba-before-img{height:320px !important}
  .ba-stat-row{padding:4px 10px}
  .ba-before-stat .ba-stat-val,.ba-after-stat .ba-stat-val{font-size:.72rem}
}


/* ═══════════════════════════════════════════════════════
   WHY AYIN CAPITAL — 3-column card layout (homepage)
═══════════════════════════════════════════════════════ */
.why-grid{display:grid !important;grid-template-columns:repeat(3,1fr) !important;gap:32px !important;align-items:stretch !important}
.why-feat{flex-direction:column !important;padding:32px 28px !important;border-bottom:none !important;background:rgba(255,255,255,.03);border:1px solid rgba(201,168,76,.1);transition:border-color .2s,background .2s}
.why-feat:hover{background:rgba(255,255,255,.055);border-color:rgba(201,168,76,.3)}
.why-ico{width:48px;height:48px;background:rgba(201,168,76,.1);border:1px solid rgba(201,168,76,.2);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-bottom:18px}
.why-ico svg{width:20px;height:20px;stroke:var(--gold);fill:none;stroke-width:1.8}
.why-t{font-family:var(--fm);font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--white);margin-bottom:10px}
.why-s{font-size:.85rem;color:rgba(245,239,222,.55);line-height:1.7;margin:0}
@media(max-width:900px){.why-grid{grid-template-columns:repeat(2,1fr) !important}}
@media(max-width:560px){.why-grid{grid-template-columns:1fr !important}}

/* ═══════════════════════════════════════════════════════
   ANIMATIONS — Particles, Parallax, Tilt, Counters
═══════════════════════════════════════════════════════ */

/* Particle canvas */
#hero-particles{
  position:absolute;inset:0;width:100%;height:100%;
  pointer-events:none;z-index:1;opacity:.7;
}
.hero-main{position:relative;z-index:2}
.hero-stats{position:relative;z-index:2}

/* Enhanced scroll reveal */
.reveal{
  opacity:0;
  transform:translateY(28px);
  transition:opacity .7s cubic-bezier(.22,1,.36,1), transform .7s cubic-bezier(.22,1,.36,1);
  will-change:opacity,transform;
}
.reveal.reveal-delay-1{transition-delay:.12s}
.reveal.reveal-delay-2{transition-delay:.24s}
.reveal.reveal-delay-3{transition-delay:.36s}
.reveal.visible{opacity:1;transform:translateY(0)}

/* Card tilt transition */
.lc,.t-card{transition:transform .4s ease,box-shadow .4s ease}

/* ── Process Timeline ── */
.proc-steps{position:relative;display:flex;justify-content:space-between;gap:0;align-items:flex-start;padding-bottom:8px}
.proc-steps::before{
  content:'';position:absolute;top:40px;left:10%;right:10%;height:2px;
  background:rgba(201,168,76,.15);z-index:0;
}
#proc-line-fill{
  position:absolute;top:40px;left:10%;height:2px;width:0;
  background:linear-gradient(to right,var(--gold-dk),var(--gold),var(--gold-lt));
  z-index:1;transition:width 1.4s cubic-bezier(.22,1,.36,1);
  box-shadow:0 0 12px rgba(201,168,76,.4);
}
.proc-step{
  flex:1;display:flex;flex-direction:column;align-items:center;text-align:center;
  padding:0 16px;position:relative;z-index:2;
}
.proc-num{
  width:80px;height:80px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  background:var(--cream-2);border:2px solid rgba(201,168,76,.2);
  font-family:var(--fp);font-size:1.5rem;font-weight:700;color:var(--muted);
  transition:all .5s cubic-bezier(.34,1.56,.64,1);
  margin-bottom:20px;position:relative;
}
.proc-step.proc-active .proc-num{
  background:var(--gold);border-color:var(--gold-lt);color:var(--ink);
  transform:scale(1.15);
  box-shadow:0 0 0 6px rgba(201,168,76,.15),0 8px 24px rgba(201,168,76,.3);
}
.proc-step.proc-active .proc-num span{color:var(--ink)}
.proc-t{
  font-family:var(--fm);font-size:.72rem;font-weight:800;letter-spacing:.06em;
  text-transform:uppercase;color:var(--dark);margin-bottom:10px;
  transition:color .4s;
}
.proc-step.proc-active .proc-t{color:var(--gold-dk)}
.proc-s{font-size:.82rem;color:var(--muted);line-height:1.65;max-width:200px;margin:0 auto}

/* ── US Map ── */
/* ── US Map Section ── */
.map-section{background:var(--ink);padding:80px 32px;position:relative;overflow:hidden}
.map-section::before{content:'';position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(to right,transparent,rgba(201,168,76,.3),transparent)}
.map-inner{max-width:1060px;margin:0 auto;text-align:center}
.map-title{font-family:var(--fp);font-size:2.2rem;color:var(--white);margin:16px 0 8px}
.map-sub{font-family:var(--fb);font-size:.9rem;color:rgba(245,239,222,.5);margin-bottom:36px}
.map-svg-wrap{position:relative;max-width:920px;margin:0 auto;background:rgba(6,12,22,.85);border:1px solid rgba(201,168,76,.12);border-radius:2px}
.map-svg-wrap svg{width:100%;height:auto;display:block}

/* Hex elements — default (unlit) */
.hex-bg{fill:rgba(201,168,76,.03);transition:fill .55s ease}
.hex-br{fill:none;stroke:rgba(201,168,76,.16);stroke-width:.8;transition:stroke .55s ease,stroke-width .55s ease}
.hex-glow{fill:rgba(201,168,76,0);stroke:none;transition:fill .6s ease}
.hex-lbl{
  font-family:'Montserrat',sans-serif;font-size:8.5px;font-weight:700;
  letter-spacing:.05em;fill:rgba(201,168,76,.18);
  transition:fill .55s ease,font-size .3s ease;pointer-events:none
}

/* Hex elements — lit */
.hex-g.hex-lit .hex-bg{fill:rgba(201,168,76,.13)}
.hex-g.hex-lit .hex-br{stroke:rgba(201,168,76,.45);stroke-width:1}
.hex-g.hex-lit .hex-lbl{fill:rgba(201,168,76,.72)}

/* Hot market states */
.hex-g.hex-hot.hex-lit .hex-bg{fill:rgba(201,168,76,.30);animation:hex-pulse 2.8s ease-in-out infinite}
.hex-g.hex-hot.hex-lit .hex-br{stroke:var(--gold);stroke-width:1.4}
.hex-g.hex-hot.hex-lit .hex-glow{fill:rgba(201,168,76,.08);animation:hex-pulse 2.8s ease-in-out infinite}
.hex-g.hex-hot.hex-lit .hex-lbl{fill:var(--gold);font-size:9px}
@keyframes hex-pulse{
  0%,100%{opacity:1}50%{opacity:.65}
}

/* Stats bar */
.map-stats{display:flex;justify-content:center;gap:0;margin-top:36px;flex-wrap:wrap;border:1px solid rgba(201,168,76,.15)}
.map-stat{flex:1;min-width:120px;text-align:center;padding:22px 16px;border-right:1px solid rgba(201,168,76,.12)}
.map-stat:last-child{border-right:none}
.map-stat-n{font-family:var(--fp);font-size:1.75rem;font-weight:700;color:var(--gold)}
.map-stat-l{font-family:var(--fm);font-size:.54rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:rgba(245,239,222,.38);margin-top:5px}
@media(max-width:600px){
  .map-stats{flex-direction:column}
  .map-stat{border-right:none;border-bottom:1px solid rgba(201,168,76,.12)}
  .map-stat:last-child{border-bottom:none}
}

/* ── Cred band count-up ── */
.cred-n .count-up{font:inherit;color:inherit}

/* ── Page Loader ── */
#page-loader{
  position:fixed;inset:0;z-index:9999;
  background:var(--ink);
  display:flex;align-items:center;justify-content:center;
  transition:opacity .5s ease,transform .5s ease;
}
#page-loader.pl-done{opacity:0;pointer-events:none}
.pl-inner{display:flex;flex-direction:column;align-items:center;gap:16px}
.pl-logo{opacity:.9;animation:pl-pulse 1.2s ease-in-out infinite}
@keyframes pl-pulse{0%,100%{opacity:.9;transform:scale(1)}50%{opacity:.6;transform:scale(.94)}}
.pl-brand{font-family:var(--fm);font-size:.65rem;font-weight:700;letter-spacing:.28em;text-transform:uppercase;color:rgba(245,239,222,.5);text-align:center}
.pl-brand span{color:var(--gold)}
.pl-bar{width:140px;height:2px;background:rgba(201,168,76,.15);margin-top:8px;overflow:hidden}
.pl-fill{height:100%;width:0;background:linear-gradient(to right,var(--gold-dk),var(--gold-lt));animation:pl-load .8s cubic-bezier(.22,1,.36,1) forwards}
@keyframes pl-load{to{width:100%}}

/* ── Related Programs Grid ── */
.rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.rel-card{
  background:var(--white);border:1px solid rgba(201,168,76,.15);
  padding:24px 22px;text-decoration:none;
  display:flex;flex-direction:column;gap:6px;
  transition:transform .3s ease,box-shadow .3s ease,border-color .3s;
}
.rel-card:hover{transform:translateY(-4px);box-shadow:0 12px 36px rgba(10,22,40,.1);border-color:var(--gold)}
.rel-tag{font-family:var(--fm);font-size:.52rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-dk)}
.rel-title{font-family:var(--fp);font-size:1.05rem;color:var(--ink);font-weight:700;line-height:1.3}
.rel-spec{font-family:var(--fb);font-size:.82rem;color:var(--muted);margin-top:2px}
.rel-arrow{font-family:var(--fm);font-size:.58rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-top:auto;padding-top:12px}
@media(max-width:700px){.rel-grid{grid-template-columns:1fr}}

/* ── Program Quick-Pick Cards ── */
.prog-cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.prog-card{
  display:flex;flex-direction:column;gap:6px;
  background:rgba(255,255,255,.04);border:1px solid rgba(201,168,76,.18);
  padding:28px 24px;text-decoration:none;
  transition:background .25s,border-color .25s,transform .25s;
}
.prog-card:hover{background:rgba(201,168,76,.1);border-color:rgba(201,168,76,.5);transform:translateY(-3px)}
.prog-card-icon{width:40px;height:40px;border:1px solid rgba(201,168,76,.3);display:flex;align-items:center;justify-content:center;margin-bottom:8px}
.prog-card-icon svg{width:18px;height:18px;stroke:var(--gold-lt)}
.prog-card-tag{font-family:var(--fm);font-size:.52rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:rgba(201,168,76,.6)}
.prog-card-name{font-family:var(--fp);font-size:1.05rem;font-weight:700;color:var(--white);line-height:1.2}
.prog-card-spec{font-family:var(--fm);font-size:.78rem;font-weight:800;color:var(--gold);margin-top:2px}
.prog-card-ideal{font-size:.75rem;color:rgba(245,239,222,.45);line-height:1.5;margin-top:4px;flex:1}
.prog-card-arrow{font-family:var(--fm);font-size:.58rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-lt);margin-top:14px}
@media(max-width:900px){.prog-cards-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.prog-cards-grid{grid-template-columns:1fr}}

/* ── Comparison Table ── */
.comp-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--border)}
.comp-table{width:100%;border-collapse:collapse;min-width:680px}
.comp-table thead tr{background:var(--ink);border-bottom:2px solid var(--gold-dk)}
.comp-table th{font-family:var(--fm);font-size:.57rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-lt);padding:14px 16px;text-align:left;white-space:nowrap}
.comp-table tbody tr{border-bottom:1px solid var(--border);background:var(--white);transition:background .18s}
.comp-table tbody tr:hover{background:var(--cream)}
.comp-table td{font-size:.82rem;color:var(--mid);padding:14px 16px;vertical-align:middle}
.ct-name{font-family:var(--fp);font-size:.9rem;font-weight:700;color:var(--ink);text-decoration:none;display:block;transition:color .2s}
.ct-name:hover{color:var(--gold-dk)}
.ct-tag{display:block;font-family:var(--fm);font-size:.5rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-dk);margin-top:3px}
.ct-val{font-family:var(--fm);font-size:1rem;font-weight:900;color:var(--gold-dk)}
.ct-fast{color:#2e7d32;font-weight:700}
.ct-btn{display:inline-block;font-family:var(--fm);font-size:.58rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;padding:8px 18px;background:var(--ink);color:var(--gold-pale);text-decoration:none;border:1px solid var(--ink);transition:all .2s;white-space:nowrap}
.ct-btn:hover{background:var(--gold-dk);border-color:var(--gold-dk);color:var(--white)}
@media(max-width:600px){.comp-table-wrap{font-size:.78rem}}

/* ── Testimonial Cards ── */
.t-card{
  background:var(--white);border:1px solid rgba(201,168,76,.15);
  padding:36px 30px;display:flex;flex-direction:column;gap:16px;
  box-shadow:0 4px 24px rgba(10,22,40,.07);
}
.t-stars{color:var(--gold);font-size:1rem;letter-spacing:3px}
.t-body{font-family:var(--fb);font-size:.92rem;color:var(--mid);line-height:1.72;flex:1}
.t-name{font-family:var(--fm);font-size:.6rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--dark)}
.t-loc{color:var(--gold-dk);font-weight:600}