*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
:root {
  --navy: #07192d;
  --navy-2: #0d2743;
  --ink: #172332;
  --muted: #5a6878;
  --gold: #c8a36a;
  --gold-strong: #9b7438;
  --paper: #fffdf8;
  --soft: #f4f1ea;
  --line: #ded7ca;
  --white: #ffffff;
  --wa: #1f7a42;
  --max: 1160px;
  --radius: 8px;
  --shadow: 0 18px 50px rgba(8, 22, 37, .12);
  --font-heading: "Cormorant Garamond", Georgia, serif;
  --font-body: "Inter", Arial, sans-serif;
}
html { scroll-behavior: smooth; overflow-x: hidden; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  overflow-x: hidden;
}
body.menu-open { overflow: hidden; }
a { color: inherit; }
img { display: block; max-width: 100%; }
.container { width: min(var(--max), calc(100% - 40px)); margin: 0 auto; }
.skip-link {
  position: fixed;
  left: 16px;
  top: 12px;
  z-index: 1000;
  transform: translateY(-150%);
  background: var(--white);
  color: var(--navy);
  padding: 10px 14px;
  border-radius: 4px;
}
.skip-link:focus { transform: translateY(0); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(7, 25, 45, .96);
  color: var(--white);
  border-bottom: 1px solid rgba(200, 163, 106, .32);
  backdrop-filter: blur(16px);
}
.nav-shell {
  min-height: 78px;
  display: flex;
  align-items: center;
  gap: 24px;
}
.brand {
  display: inline-flex;
  align-items: center;
  min-width: 100px;
  text-decoration: none;
}
.brand-logo, .footer-logo {
  height: auto;
  object-fit: contain;
}
.brand-logo { width: 92px; }
.footer-logo {
  width: 132px;
  margin-bottom: 16px;
}
.brand-logo:not([src]), .footer-logo:not([src]) { display: none; }
.brand-logo + .brand-fallback {
  display: none;
  font-family: var(--font-heading);
  font-size: 1.2rem;
  line-height: 1;
  color: var(--white);
}
.brand-logo[data-logo-missing] { display: none; }
.brand-logo[data-logo-missing] + .brand-fallback { display: inline-block; }
.footer-logo[data-logo-missing] { display: none; }
.desktop-nav {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 22px;
  flex: 1;
  font-size: .9rem;
}
.desktop-nav a {
  text-decoration: none;
  color: rgba(255, 255, 255, .86);
}
.desktop-nav a:hover { color: var(--gold); }
.header-cta, .mobile-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-height: 44px;
  border-radius: 6px;
  background: var(--gold);
  color: #17110a;
  padding: 11px 16px;
  text-decoration: none;
  font-weight: 700;
  box-shadow: 0 10px 24px rgba(200, 163, 106, .18);
}
.header-cta:hover, .mobile-cta:hover, .btn-primary:hover { filter: brightness(1.04); }
.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 6px;
  background: transparent;
  color: var(--white);
}
.menu-toggle span {
  display: block;
  width: 19px;
  height: 2px;
  margin: 5px auto;
  background: currentColor;
}
.mobile-menu {
  border-top: 1px solid rgba(255,255,255,.14);
  padding: 16px 20px 22px;
  background: var(--navy);
}
.mobile-menu a {
  display: block;
  padding: 12px 0;
  text-decoration: none;
}
.mobile-menu .mobile-cta {
  display: flex;
  justify-content: center;
  margin-top: 8px;
}
.hero {
  color: var(--white);
  background:
    linear-gradient(90deg, rgba(7,25,45,.98) 0%, rgba(7,25,45,.95) 48%, rgba(7,25,45,.72) 100%),
    radial-gradient(circle at 78% 20%, rgba(200,163,106,.18), transparent 32%),
    var(--navy);
  overflow: hidden;
}
.hero-grid {
  min-height: 680px;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(320px, .8fr);
  gap: 48px;
  align-items: center;
  padding: 76px 0 54px;
}
.eyebrow {
  margin: 0 0 14px;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: .12em;
  font-size: .78rem;
  font-weight: 700;
}
.hero h1 {
  max-width: 720px;
  margin: 0;
  font-family: var(--font-heading);
  font-size: clamp(3rem, 7vw, 5.8rem);
  line-height: .94;
  letter-spacing: 0;
}
.hero h1 span {
  display: block;
  color: var(--gold);
}
.focus-panel {
  margin: 30px 0 22px;
  padding-left: 22px;
  border-left: 3px solid var(--gold);
}
.focus-panel p {
  margin: 0 0 10px;
  text-transform: uppercase;
  letter-spacing: .16em;
  font-size: .76rem;
  color: rgba(255,255,255,.68);
}
.focus-panel strong {
  display: block;
  font-size: clamp(1.25rem, 3vw, 1.72rem);
  line-height: 1.18;
}
.focus-panel span {
  display: block;
  max-width: 460px;
  margin-top: 4px;
  color: rgba(255,255,255,.82);
}
.hero-text {
  max-width: 630px;
  margin: 0;
  color: rgba(255,255,255,.86);
  font-size: 1.06rem;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 30px;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  border-radius: 6px;
  padding: 12px 20px;
  font-weight: 700;
  text-decoration: none;
  border: 1px solid transparent;
}
.btn-primary {
  background: var(--gold);
  color: #15110b;
}
.btn-secondary {
  border-color: rgba(200, 163, 106, .8);
  color: var(--white);
}
.btn-outline {
  border-color: var(--gold-strong);
  color: var(--gold-strong);
}
.hero-photo {
  align-self: end;
  margin: 0;
  position: relative;
}
.hero-photo::before {
  content: "";
  position: absolute;
  inset: 9% -10% 0 16%;
  border: 1px solid rgba(200,163,106,.45);
  border-radius: 8px;
}
.hero-photo img {
  position: relative;
  width: min(520px, 100%);
  aspect-ratio: 1 / 1;
  object-fit: cover;
  object-position: 52% 32%;
  border-radius: 8px 8px 0 0;
  box-shadow: 0 28px 80px rgba(0,0,0,.32);
}
.differentials {
  background: var(--navy-2);
  color: var(--white);
  border-top: 1px solid rgba(200,163,106,.35);
  border-bottom: 1px solid rgba(200,163,106,.35);
}
.differentials-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  padding: 30px 0;
}
.differentials article {
  min-width: 0;
  padding-left: 18px;
  border-left: 1px solid rgba(200,163,106,.45);
}
.line-icon {
  display: block;
  width: 28px;
  height: 28px;
  border: 2px solid var(--gold);
  border-radius: 50%;
  margin-bottom: 10px;
}
.differentials h2 {
  margin: 0 0 5px;
  font-size: .95rem;
  color: var(--gold);
}
.differentials p {
  margin: 0;
  color: rgba(255,255,255,.76);
  font-size: .88rem;
}
.section { padding: 86px 0; }
.section-heading {
  max-width: 820px;
  margin: 0 auto 34px;
  text-align: center;
}
.section-heading.compact { max-width: 620px; }
.section-heading h2, .about h2, .mission h2, .contents h2, .final-cta h2 {
  margin: 0 0 14px;
  font-family: var(--font-heading);
  font-size: clamp(2.2rem, 4vw, 3.4rem);
  line-height: 1.04;
}
.section-heading p:not(.eyebrow), .about p, .mission p, .contents p, .final-cta p {
  color: var(--muted);
}
.areas { background: var(--paper); }
.area-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 22px;
}
.area-card {
  min-height: 390px;
  padding: 34px;
  border-radius: var(--radius);
  background: var(--navy);
  color: var(--white);
  box-shadow: var(--shadow);
}
.area-mark {
  width: 48px;
  height: 48px;
  border: 2px solid var(--gold);
  border-radius: 8px;
  margin-bottom: 22px;
}
.area-card h3 {
  margin: 0 0 12px;
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 4vw, 2.25rem);
  line-height: 1.02;
}
.area-card strong {
  display: block;
  margin: -4px 0 14px;
  color: var(--gold);
}
.area-card p { color: rgba(255,255,255,.82); }
.area-card a {
  display: inline-flex;
  margin-top: 14px;
  color: var(--gold);
  font-weight: 700;
  text-decoration: none;
  border-bottom: 1px solid currentColor;
}
.other-area {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  width: min(860px, 100%);
  margin: 24px auto 0;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--soft);
}
.other-area h3 { margin: 0 0 8px; font-family: var(--font-heading); font-size: 2rem; }
.other-area p { margin: 0; color: var(--muted); }
.about { background: var(--soft); }
.about-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(300px, .72fr);
  gap: 48px;
  align-items: start;
}
.banking-experience {
  padding: 30px;
  border-left: 4px solid var(--gold);
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.banking-experience h3 {
  margin: 0 0 10px;
  font-family: var(--font-heading);
  font-size: 2rem;
}
.values-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 36px;
}
.values-strip span {
  padding: 13px 16px;
  background: rgba(255,255,255,.72);
  border: 1px solid var(--line);
  border-radius: 6px;
  font-weight: 700;
}
.mission { background: var(--paper); }
.mission-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.mission article {
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
}
.mission article:last-child { background: var(--navy); color: var(--white); }
.mission article:last-child li { color: rgba(255,255,255,.86); }
.mission h2 { font-size: 2rem; }
.mission ul {
  margin: 0;
  padding-left: 18px;
  columns: 1;
}
.process { background: var(--soft); }
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.steps article {
  position: relative;
  padding: 30px;
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--line);
}
.steps span {
  display: inline-grid;
  place-items: center;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-weight: 800;
  margin-bottom: 16px;
}
.steps h3 { margin: 0 0 8px; font-size: 1.15rem; }
.steps p { margin: 0; color: var(--muted); }
.digital-service { padding-top: 0; background: var(--soft); }
.digital-band {
  padding: 40px;
  border-radius: var(--radius);
  background: var(--navy);
  color: var(--white);
}
.digital-band h2 {
  margin: 0;
  max-width: 980px;
  font-family: var(--font-heading);
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.08;
}
.contents { background: var(--paper); }
.contents-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(260px, .48fr);
  gap: 36px;
  align-items: center;
}
.content-note {
  padding: 28px;
  border-radius: var(--radius);
  border: 1px dashed var(--gold-strong);
  background: var(--soft);
}
.content-note strong { display: block; color: var(--navy); margin-bottom: 8px; }
.final-cta {
  background: var(--navy);
  color: var(--white);
}
.final-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 32px;
  align-items: center;
}
.final-cta p { color: rgba(255,255,255,.78); }
.contact-actions {
  display: grid;
  gap: 12px;
  justify-items: start;
}
.email-link {
  color: var(--gold);
  font-weight: 700;
}
.site-footer {
  background: #061422;
  color: rgba(255,255,255,.82);
  padding: 54px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr .75fr .9fr .8fr;
  gap: 36px;
}
.site-footer h2 {
  margin: 0 0 12px;
  color: var(--white);
  font-size: .88rem;
  text-transform: uppercase;
  letter-spacing: .1em;
}
.site-footer a, .footer-link-button {
  display: block;
  color: rgba(255,255,255,.82);
  text-decoration: none;
  margin: 7px 0;
}
.footer-link-button {
  padding: 0;
  border: 0;
  background: transparent;
  font: inherit;
  cursor: pointer;
}
.site-footer a:hover, .footer-link-button:hover { color: var(--gold); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  margin-top: 36px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,.12);
  font-size: .82rem;
}
.cookie-banner {
  position: fixed;
  left: 50%;
  bottom: 18px;
  transform: translateX(-50%);
  z-index: 100;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 16px;
  width: min(920px, calc(100% - 28px));
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 18px 50px rgba(0,0,0,.18);
}
.cookie-banner p { margin: 0; color: var(--muted); font-size: .9rem; }
.cookie-banner div { display: flex; gap: 8px; align-items: center; }
.btn-cookie {
  min-height: 40px;
  border: 0;
  border-radius: 6px;
  padding: 9px 13px;
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  cursor: pointer;
}
.legal-page {
  max-width: 880px;
  padding: 42px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow);
}
.legal-page h1 {
  margin: 0 0 18px;
  font-family: var(--font-heading);
  font-size: clamp(2.4rem, 6vw, 4rem);
  line-height: 1;
}
.legal-page h2 {
  margin: 30px 0 8px;
  font-family: var(--font-heading);
  font-size: 1.65rem;
}
.legal-page p { color: var(--muted); }
.btn-cookie.muted {
  background: var(--soft);
  color: var(--ink);
}
@media (max-width: 980px) {
  .desktop-nav, .header-cta { display: none; }
  .menu-toggle { display: block; margin-left: auto; }
  .hero-grid { grid-template-columns: 1fr; min-height: auto; gap: 32px; padding: 58px 0 0; }
  .hero-photo { justify-self: center; width: min(420px, 86%); }
  .hero-photo img { border-radius: 8px 8px 0 0; }
  .differentials-grid, .mission-grid, .steps, .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .area-grid, .about-grid, .contents-grid, .final-grid { grid-template-columns: 1fr; }
  .final-grid { justify-items: start; }
}
@media (max-width: 680px) {
  .container { width: min(calc(100% - 28px), var(--max)); }
  .nav-shell { min-height: 68px; }
  .brand { min-width: 0; }
  .hero h1 {
    font-size: clamp(2.35rem, 12vw, 3rem);
    max-width: 100%;
  }
  .hero-copy {
    width: 100%;
    max-width: 350px;
  }
  .focus-panel strong { font-size: 1.28rem; }
  .focus-panel span {
    max-width: 300px;
    font-size: .95rem;
  }
  .hero-text {
    max-width: 320px;
    font-size: .98rem;
  }
  .hero-actions, .other-area, .footer-bottom { flex-direction: column; align-items: stretch; }
  .btn { width: 100%; }
  .differentials-grid, .values-strip, .mission-grid, .steps, .footer-grid { grid-template-columns: 1fr; }
  .area-card { min-height: auto; padding: 26px; }
  .other-area { display: grid; }
  .section { padding: 64px 0; }
  .cookie-banner { grid-template-columns: 1fr; }
  .cookie-banner div { justify-content: stretch; }
  .btn-cookie { flex: 1; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: .01ms !important;
  }
}