/* ============================================================
   Faith Financials — scroll-driven dark redesign
   GSAP ScrollTrigger + Lenis · gold-on-dark luxury finance
   ============================================================ */

:root {
  --bg:        #f7f3ec;                    /* warm cream */
  --bg-2:      #efe8db;
  --surface:   #ffffff;
  --surface-2: #f4ecdd;
  --ink:       #1a1611;                    /* headings */
  --body:      #574d3f;                    /* body copy */
  --muted:     #8a7b66;
  --line:      #e6dccb;
  --gold:      #a06f33;
  --gold-2:    #9a6a2f;
  --bronze:    #6f4f29;
  --grad:      linear-gradient(135deg, #d9b678, #b1814f 45%, #8a6332);

  --maxw: 1360px;
  --pad: clamp(20px, 5vw, 84px);
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --serif: 'Marcellus', Georgia, serif;
  --sans: 'Manrope', system-ui, sans-serif;
}

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

html { background: var(--bg); -webkit-font-smoothing: antialiased; }

body {
  font-family: var(--sans);
  background: var(--bg);
  color: var(--body);
  font-weight: 300;
  line-height: 1.55;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
em { font-style: italic; }
::selection { background: var(--gold); color: var(--bg); }

/* ---------- film grain ---------- */
.grain {
  position: fixed; inset: 0; z-index: 210; pointer-events: none; opacity: .035;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='240' height='240'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2'/></filter><rect width='100%25' height='100%25' filter='url(%23n)'/></svg>");
}

/* ---------- scroll progress ---------- */
.progress { position: fixed; top: 0; left: 0; right: 0; height: 2px; z-index: 400; }
.progress span {
  display: block; height: 100%; background: var(--grad);
  transform: scaleX(0); transform-origin: 0 50%;
}

/* ---------- preloader ---------- */
.preloader {
  position: fixed; inset: 0; z-index: 1000; background: var(--bg);
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 2rem;
}
.preloader { gap: 1.1rem; }
.preloader__logo { height: 64px; width: auto; margin-bottom: 1.4rem; }
.preloader__meta {
  display: flex; justify-content: space-between; align-items: baseline;
  width: min(420px, 72vw);
}
.preloader__label {
  font-size: .72rem; letter-spacing: .32em; text-transform: uppercase; color: var(--muted);
  animation: pl-pulse 1.6s ease-in-out infinite;
}
@keyframes pl-pulse { 0%, 100% { opacity: 1; } 50% { opacity: .45; } }
.preloader__pct {
  font-family: var(--serif); font-size: 1.05rem; color: var(--gold-2);
  font-variant-numeric: tabular-nums;
}
.preloader__bar {
  width: min(420px, 72vw); height: 2px; border-radius: 2px;
  background: var(--line); overflow: hidden;
}
.preloader__bar span {
  display: block; height: 100%; width: 100%;
  background: var(--grad); transform: scaleX(0); transform-origin: 0 0;
}

/* ---------- header ---------- */
.header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 300;
  display: flex; align-items: center; justify-content: space-between;
  padding: 22px var(--pad);
  transition: background .4s, padding .4s, border-color .4s;
  border-bottom: 1px solid transparent;
}
.header.is-scrolled {
  background: rgba(247, 243, 236, 0.75);
  -webkit-backdrop-filter: blur(18px) saturate(160%);
  backdrop-filter: blur(18px) saturate(160%);
  padding: 14px var(--pad);
  border-bottom-color: var(--line);
}
.logo-img { height: 30px; width: auto; display: block; }
.nav { display: flex; gap: 2.3rem; }
.nav a { font-size: .82rem; letter-spacing: .05em; color: var(--body); position: relative; }
.nav a::after {
  content: ''; position: absolute; left: 0; bottom: -5px; width: 0; height: 1px;
  background: var(--gold); transition: width .4s var(--ease);
}
.nav a:hover::after, .nav a.is-current::after { width: 100%; }
.nav a.is-current { color: var(--gold-2); }
.header__cta {
  font-size: .82rem; letter-spacing: .05em; color: var(--gold-2);
  border: 1px solid rgba(160, 111, 51,.55); border-radius: 100px; padding: .55em 1.3em;
  transition: background .3s, color .3s;
}
.header__cta:hover { background: var(--gold); color: var(--bg); }
@media (max-width: 720px) { .nav { display: none; } }

/* ---------- shared ---------- */
section { padding: clamp(90px, 14vh, 170px) var(--pad); max-width: var(--maxw); margin: 0 auto; }

.eyebrow {
  font-size: .72rem; letter-spacing: .32em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 1.4rem;
}
.shead { display: flex; align-items: baseline; gap: 1.4rem; margin-bottom: clamp(44px, 6vw, 80px); }
.index { font-family: var(--serif); color: var(--gold); font-size: .95rem; }
.shead h2, .why__head h2 {
  font-family: var(--serif); font-weight: 400; color: var(--ink);
  font-size: clamp(2rem, 5.2vw, 3.8rem); line-height: 1.05; letter-spacing: 0;
}

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: .95em 1.9em; border-radius: 100px; font-size: .9rem; letter-spacing: .02em;
  transition: transform .4s var(--ease), background .3s, color .3s, border-color .3s;
}
.btn:hover { transform: translateY(-3px); }
.btn--solid { background: var(--grad); color: #1a1207; font-weight: 500; }
.btn--ghost { border: 1px solid var(--line); color: var(--ink); }
.btn--ghost:hover { border-color: var(--gold); color: var(--gold-2); }
.btn--lg { padding: 1.1em 2.3em; font-size: 1rem; }

/* word-split scrub targets */
.w { display: inline-block; }

/* ---------- dark zones — duo rhythm ---------- */
.zone-dark {
  position: relative; max-width: 100%;
  --ink: #f5eee0; --body: #cfc2ad; --muted: #9b8c74;
  --line: rgba(236, 217, 185, .13);
  --gold: #cda971; --gold-2: #e6cd9c;
  --surface: #17110a; --surface-2: #1d150c;
  --bg: #0d0a06; --bg-2: #120d08;
  --grad: linear-gradient(135deg, #ecd9b9, #cda971 45%, #b1814f);
  background:
    radial-gradient(60% 50% at 18% 8%, rgba(205, 169, 113, .07), transparent 60%),
    radial-gradient(50% 44% at 85% 92%, rgba(154, 106, 47, .1), transparent 65%),
    #0d0a06;
  color: var(--body);
}
.zone__inner { max-width: calc(var(--maxw) - 2 * var(--pad)); margin: 0 auto; }

/* ---------- hero ---------- */
.hero {
  position: relative; min-height: 100svh; max-width: 100%;
  display: flex; flex-direction: column; justify-content: center;
  padding: 140px var(--pad) 80px; overflow: hidden;
}
.hero__orbs i { position: absolute; border-radius: 50%; filter: blur(70px); opacity: .22; pointer-events: none; }
.orb--1 { width: 54vw; height: 54vw; right: -16vw; top: -20vw; background: radial-gradient(circle, #cda971, transparent 66%); }
.orb--2 { width: 40vw; height: 40vw; left: -14vw; bottom: -16vw; background: radial-gradient(circle, #8a6332, transparent 66%); }
.hero__inner { position: relative; z-index: 1; max-width: var(--maxw); margin: 0 auto; width: 100%; }
.hero__eyebrow { font-size: .72rem; letter-spacing: .32em; text-transform: uppercase; color: var(--gold); margin-bottom: 2rem; }
.hero__title {
  font-family: var(--serif); font-weight: 400; color: var(--ink);
  font-size: clamp(2.7rem, 9vw, 7.8rem); line-height: 1.02; letter-spacing: -.01em;
  margin-bottom: 2.2rem;
}
.hero__title .line { display: block; overflow: hidden; padding-bottom: .15em; margin-bottom: -.15em; }
.hero__title .line > span { display: block; }
.hero__title em {
  font-style: normal;   /* Marcellus has no italic — gradient carries the emphasis */
  background: var(--grad);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hero__lead { font-size: clamp(1rem, 1.5vw, 1.25rem); color: var(--body); max-width: 48ch; margin-bottom: 2.6rem; }
.hero__actions { display: flex; gap: 1rem; flex-wrap: wrap; }
.hero__cue {
  position: absolute; left: 50%; bottom: 30px; transform: translateX(-50%); z-index: 1;
  font-size: .68rem; letter-spacing: .32em; text-transform: uppercase; color: var(--muted);
  display: flex; flex-direction: column; align-items: center; gap: .7rem;
}
.hero__cue::after {
  content: ''; width: 1px; height: 34px;
  background: linear-gradient(var(--gold), transparent);
  animation: cue 1.8s var(--ease) infinite;
}
@keyframes cue { 0%, 100% { opacity: .3; transform: scaleY(.6); } 50% { opacity: 1; transform: scaleY(1); } }

/* ---------- ticker ---------- */
.ticker { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); overflow: hidden; padding: 20px 0; }
.ticker__track {
  display: flex; align-items: center; gap: 2.6rem; width: max-content; white-space: nowrap;
  font-family: var(--serif); font-size: clamp(1.3rem, 2.4vw, 2rem); color: var(--ink);
}
.ticker__track i { font-style: normal; color: var(--gold); }
.ticker__track span:nth-child(4n+3) { color: var(--gold-2); }

/* ---------- motto ---------- */
.motto { text-align: center; overflow: hidden; }
.motto .hero__orbs { position: absolute; inset: 0; pointer-events: none; }
.motto .zone__inner { position: relative; z-index: 1; }
@media (min-width: 821px) {
  .motto {
    min-height: 100vh; display: flex; flex-direction: column;
    align-items: center; justify-content: center; padding-top: 0; padding-bottom: 0;
  }
}
.motto__text {
  font-family: var(--serif); font-weight: 400;
  font-size: clamp(2rem, 6vw, 4.8rem); line-height: 1.2; letter-spacing: -.01em;
  color: var(--gold-2); margin: .6rem 0 1.6rem;
}
.motto__sub { color: var(--muted); max-width: 46ch; margin: 0 auto; font-size: 1.05rem; }

/* ---------- about ---------- */
.about__grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(40px, 6vw, 100px); align-items: start; }
.about__big {
  font-family: var(--serif); font-weight: 400; color: var(--ink);
  font-size: clamp(1.5rem, 3vw, 2.5rem); line-height: 1.38; letter-spacing: -.01em;
}
.caps { list-style: none; }
.caps li {
  display: flex; justify-content: space-between; align-items: baseline; gap: 1rem;
  padding: 1.15rem 0; border-bottom: 1px solid var(--line);
}
.caps span { font-size: 1.1rem; color: var(--ink); }
.caps em { color: var(--muted); font-size: .9rem; text-align: right; font-style: normal; }
@media (max-width: 820px) { .about__grid { grid-template-columns: 1fr; } }

/* ---------- stats ---------- */
.stats {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(24px, 4vw, 60px);
  text-align: center; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
}
.stat strong {
  display: block; font-family: var(--serif); font-weight: 400;
  font-size: clamp(3rem, 7vw, 5.6rem); line-height: 1; color: var(--gold-2);
  font-variant-numeric: tabular-nums;
}
.stat > span { display: block; margin-top: .9rem; color: var(--muted); font-size: .95rem; letter-spacing: .04em; }
@media (max-width: 700px) { .stats { grid-template-columns: 1fr; gap: 2.6rem; } }

/* ---------- mission & vision ---------- */
.mv { overflow: hidden; }
.mv__grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(20px, 3vw, 40px); }
.mv__card {
  display: flex; flex-direction: column;
  background: var(--surface); border: 1px solid var(--line); border-radius: 24px;
  padding: clamp(30px, 4vw, 56px);
  transition: border-color .4s, background .4s;
}
.mv__card .mv__text { margin: auto 0; }
.mv__card:hover { border-color: rgba(160, 111, 51, .5); background: var(--surface-2); }
.mv__label {
  display: block; font-size: .74rem; letter-spacing: .22em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 1.3rem;
}
.mv__text {
  font-family: var(--serif); font-weight: 400; color: var(--ink);
  font-size: clamp(1.35rem, 2.4vw, 1.9rem); line-height: 1.4; letter-spacing: -.01em;
}
@media (max-width: 820px) { .mv__grid { grid-template-columns: 1fr; } }

/* ---------- values ---------- */
.values__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: clamp(18px, 2.5vw, 34px); row-gap: clamp(34px, 4vw, 52px); }
.value { position: relative; padding-top: 1.4rem; }
.value::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: var(--line); transform: scaleX(var(--lx, 1)); transform-origin: 0 0;
  transition: background .4s;
}
.value:hover::before { background: var(--gold); }
.value strong { display: block; font-family: var(--serif); font-weight: 400; font-size: 1.18rem; color: var(--ink); margin-bottom: .55rem; }
.value p { color: var(--muted); font-size: .93rem; }
@media (max-width: 1020px) { .values__grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .values__grid { grid-template-columns: 1fr; } }

/* ---------- horizontal products ---------- */
.hs { max-width: 100%; padding: 0; overflow: hidden; }
@media (min-width: 821px) { .hs { height: 100svh; } }
.hs__track { display: flex; align-items: stretch; height: 100%; width: max-content; gap: clamp(28px, 3.5vw, 64px); }
.hs__panel {
  flex-shrink: 0; display: flex; flex-direction: column; justify-content: center;
  padding: clamp(60px, 10vh, 120px) clamp(28px, 3.5vw, 64px);
}
.hs__panel--intro { width: min(46vw, 640px); padding-left: var(--pad); }
.hs__panel--intro h2 {
  font-family: var(--serif); font-weight: 400; color: var(--ink);
  font-size: clamp(2.1rem, 4.5vw, 3.8rem); line-height: 1.02; letter-spacing: -.02em; margin: .5rem 0 1.2rem;
}
.hs__panel--intro p { color: var(--muted); max-width: 38ch; font-size: 1.05rem; }
.hs__hint { margin-top: 2.4rem; font-size: .72rem; letter-spacing: .28em; text-transform: uppercase; color: var(--gold); }
.hs__card {
  width: min(44vw, 600px); margin: clamp(40px, 8vh, 90px) 0;
  background: var(--surface); border: 1px solid var(--line); border-radius: 28px;
  transition: border-color .4s;
}
.hs__card:hover { border-color: rgba(160, 111, 51,.5); }
.hs__card--cta { background: linear-gradient(160deg, var(--surface-2), var(--surface)); border-color: rgba(160, 111, 51,.35); }
.hs__tag { font-size: .7rem; letter-spacing: .24em; text-transform: uppercase; color: var(--gold); }
.hs__card h3 {
  font-family: var(--serif); font-weight: 400; color: var(--ink);
  font-size: clamp(1.7rem, 3vw, 2.6rem); line-height: 1.05; margin: .7rem 0 1.4rem;
}
.hs__card ul { list-style: none; }
.hs__card li {
  padding: .95rem 0 .95rem 1.7rem; border-top: 1px solid var(--line);
  color: var(--body); font-size: 1.05rem; position: relative;
}
.hs__card li::before { content: '—'; position: absolute; left: 0; color: var(--gold); }
.hs__card--cta p { color: var(--muted); margin-bottom: 2rem; max-width: 36ch; }
.hs__card--cta .btn { align-self: flex-start; }
@media (max-width: 820px) {
  .hs { padding: clamp(90px, 14vh, 170px) var(--pad); }
  .hs__track { flex-direction: column; width: auto; transform: none !important; gap: 1.4rem; }
  .hs__panel { width: auto; padding: 0; }
  .hs__panel--intro { margin-bottom: 2rem; }
  .hs__card { margin: 0; padding: clamp(28px, 6vw, 44px); }
}

/* ---------- why — sticky head + progress rail ---------- */
.why__inner { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(40px, 6vw, 110px); align-items: start; }
.why__head { position: sticky; top: 16vh; }
.why__desc { color: var(--muted); margin-top: 1.4rem; max-width: 34ch; font-size: 1.02rem; }
.wsteps { position: relative; padding-left: 40px; display: flex; flex-direction: column; gap: clamp(48px, 9vh, 100px); }
.wsteps::before { content: ''; position: absolute; left: 8px; top: 8px; bottom: 8px; width: 2px; background: var(--line); }
.wsteps__fill {
  position: absolute; left: 8px; top: 8px; bottom: 8px; width: 2px;
  background: var(--grad); transform: scaleY(0); transform-origin: 0 0;
  box-shadow: 0 0 16px 1px rgba(160, 111, 51,.5);
}
.wstep { opacity: .3; transform: translateX(0); transition: opacity .5s var(--ease), transform .5s var(--ease); }
.wstep.is-active { opacity: 1; transform: translateX(6px); }
.wstep__num { font-family: var(--serif); color: var(--gold); font-size: .95rem; }
.wstep h3 {
  font-family: var(--serif); font-weight: 400; color: var(--ink);
  font-size: clamp(1.5rem, 2.8vw, 2.2rem); line-height: 1.08; margin: .5rem 0 .7rem;
}
.wstep p { color: var(--muted); font-size: 1.02rem; max-width: 44ch; }
@media (max-width: 820px) {
  .why__inner { grid-template-columns: 1fr; }
  .why__head { position: static; }
}

/* ---------- leadership ---------- */
.people__grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(20px, 3vw, 40px); margin-bottom: clamp(40px, 6vw, 72px); }
.person {
  display: flex; gap: 1.6rem;
  background: var(--surface); border: 1px solid var(--line); border-radius: 24px;
  padding: clamp(26px, 3vw, 42px);
  transition: border-color .4s, background .4s;
}
.person:hover { border-color: rgba(160, 111, 51,.5); background: var(--surface-2); }
.person__avatar {
  flex-shrink: 0; width: 62px; height: 62px; border-radius: 50%;
  display: grid; place-items: center;
  font-family: var(--serif); font-size: 1.2rem; color: #1a1207; background: var(--grad);
}
.person__name { font-family: var(--serif); font-weight: 400; font-size: clamp(1.3rem, 2.2vw, 1.6rem); line-height: 1.1; color: var(--ink); }
.person__role { display: block; font-size: .74rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); margin: .5rem 0 1.1rem; }
.person__bio { color: var(--muted); font-size: .97rem; margin-bottom: 1.1rem; }
.person__quote {
  font-family: var(--serif); color: var(--ink); font-size: 1.06rem; line-height: 1.45;
  border-left: 2px solid var(--gold); padding-left: 1.1rem;
}
@media (max-width: 820px) { .people__grid { grid-template-columns: 1fr; } .person { flex-direction: column; } }

.founders {
  position: relative; overflow: hidden; border-radius: 26px;
  padding: clamp(34px, 5vw, 58px);
  background: var(--grad); color: #2a1d0c;
}
.founders::after {
  content: ''; position: absolute; top: -40%; right: -10%;
  width: 360px; height: 360px; border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 250, 238, .5), transparent 70%);
  pointer-events: none;
}
.founders__label { position: relative; z-index: 1; display: block; font-size: .7rem; letter-spacing: .24em; text-transform: uppercase; color: #6e4f24; margin-bottom: 1.6rem; }
.founders__list { position: relative; z-index: 1; display: flex; gap: clamp(24px, 5vw, 70px); flex-wrap: wrap; }
.founder { font-family: var(--serif); font-size: clamp(1.15rem, 2.2vw, 1.6rem); }

/* ---------- disclosures band ---------- */
.disc-band { max-width: 100%; padding: 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.disc-band__link {
  display: flex; align-items: center; gap: clamp(1.4rem, 4vw, 3rem);
  max-width: var(--maxw); margin: 0 auto; padding: clamp(36px, 6vh, 64px) var(--pad);
  transition: background .4s;
}
.disc-band__link:hover { background: var(--bg-2); }
.disc-band__eyebrow { font-size: .7rem; letter-spacing: .28em; text-transform: uppercase; color: var(--gold); flex-shrink: 0; }
.disc-band__title {
  font-family: var(--serif); font-weight: 400; color: var(--ink);
  font-size: clamp(1.5rem, 3.6vw, 2.8rem); line-height: 1.05; letter-spacing: -.01em;
}
.disc-band__arrow { margin-left: auto; font-size: clamp(1.6rem, 3vw, 2.4rem); color: var(--gold); transition: transform .4s var(--ease); }
.disc-band__link:hover .disc-band__arrow { transform: translateX(10px); }
@media (max-width: 640px) { .disc-band__link { flex-wrap: wrap; } .disc-band__arrow { margin-left: 0; } }

/* ---------- contact ---------- */
.contact { text-align: center; }
.contact__title {
  font-family: var(--serif); font-weight: 400; color: var(--ink);
  font-size: clamp(2.3rem, 6.6vw, 5.4rem); line-height: 1.06; letter-spacing: 0;
  max-width: 18ch; margin: 0 auto 2.6rem;
}
.contact__actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; margin-bottom: clamp(48px, 7vw, 90px); }
.contact__meta {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; text-align: left;
  border-top: 1px solid var(--line); padding-top: 3rem; max-width: 960px; margin: 0 auto;
}
.contact__label { display: block; font-size: .7rem; letter-spacing: .22em; text-transform: uppercase; color: var(--gold); margin-bottom: .8rem; }
.contact__meta a, .contact__meta p { color: var(--body); font-size: 1rem; line-height: 1.55; }
.contact__meta a:hover { color: var(--gold-2); }
@media (max-width: 700px) { .contact__meta { grid-template-columns: 1fr; gap: 1.8rem; } }

/* ---------- footer ---------- */
.footer {
  position: relative; overflow: hidden;
  border-top: 1px solid var(--line); background: var(--bg-2);
  padding: clamp(56px, 8vh, 100px) var(--pad) 0;
}
.footer__inner { position: relative; z-index: 1; max-width: var(--maxw); margin: 0 auto; }
.footer__grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr;
  gap: clamp(32px, 4vw, 70px);
  padding-bottom: clamp(90px, 16vh, 200px);
}
.footer__logo-img { height: 38px; width: auto; display: block; margin-bottom: 1.5rem; }
.footer__desc { color: var(--muted); max-width: 34ch; font-size: .98rem; line-height: 1.55; }
.footer__col { display: flex; flex-direction: column; gap: clamp(28px, 4vh, 44px); }
.footer__group h4 { font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; color: var(--muted); margin-bottom: 1.1rem; font-weight: 500; }
.footer__group a { display: block; color: var(--body); padding: .4rem 0; font-size: 1rem; transition: color .3s, padding-left .3s var(--ease); }
.footer__group a:hover { color: var(--gold-2); padding-left: .35rem; }
.footer__office h3 { font-family: var(--serif); font-weight: 400; font-size: clamp(1.4rem, 2.4vw, 1.8rem); color: var(--ink); margin-bottom: 1rem; }
.footer__office p { color: var(--muted); font-size: .95rem; line-height: 1.6; margin-bottom: .8rem; max-width: 36ch; }
.footer__office a { color: var(--gold-2); }
.footer__bottom {
  border-top: 1px solid var(--line); padding: 1.5rem 0;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem;
}
.footer__bottom p { color: var(--muted); font-size: .8rem; }
.footer__top-btn { background: none; border: none; color: var(--gold-2); font-family: var(--sans); font-size: .82rem; letter-spacing: .04em; }
.footer__watermark {
  position: absolute; left: -0.04em; bottom: -0.18em; z-index: 0;
  font-family: var(--serif); font-weight: 400; line-height: .8;
  font-size: clamp(6rem, 24vw, 22rem); letter-spacing: -.02em;
  color: var(--ink); opacity: .04; white-space: nowrap; pointer-events: none; user-select: none;
}
@media (max-width: 880px) { .footer__grid { grid-template-columns: 1fr 1fr; } .footer__office { grid-column: 1 / -1; } }
@media (max-width: 520px) { .footer__grid { grid-template-columns: 1fr; } }

/* ============================================================
   Disclosures page (fair-practices.html)
   ============================================================ */

/* page hero */
.phero {
  position: relative; max-width: 100%; overflow: hidden;
  padding: clamp(150px, 22vh, 240px) var(--pad) clamp(60px, 9vh, 110px);
}
.phero__inner { position: relative; z-index: 1; max-width: var(--maxw); margin: 0 auto; }
.crumb { font-size: .7rem; letter-spacing: .18em; text-transform: uppercase; color: var(--muted); margin-bottom: 1.6rem; }
.crumb a { color: var(--body); }
.crumb a:hover { color: var(--gold-2); }
.crumb span { margin: 0 .5em; color: var(--line); }
.phero__title {
  font-family: var(--serif); font-weight: 400; color: var(--ink);
  font-size: clamp(2.6rem, 7.4vw, 6.2rem); line-height: 1.04; letter-spacing: 0;
  margin: .25em 0 1.4rem;
}
.phero__title .line { display: block; overflow: hidden; padding-bottom: .15em; margin-bottom: -.15em; }
.phero__title .line > span { display: block; }
.phero__title em {
  font-style: normal;
  background: var(--grad);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.phero__desc { color: var(--muted); max-width: 60ch; font-size: 1.08rem; line-height: 1.65; }

/* sticky rail + content */
.disc-wrap {
  display: grid; grid-template-columns: 230px minmax(0, 1fr);
  gap: clamp(40px, 5vw, 90px);
  max-width: var(--maxw); margin: 0 auto; padding: 0 var(--pad);
}
.disc-rail { position: sticky; top: 110px; align-self: start; padding: 1.4rem 0; display: flex; flex-direction: column; }
.disc-rail__label {
  font-size: .66rem; letter-spacing: .26em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 1rem;
}
.disc-rail a {
  display: flex; gap: .8rem; align-items: baseline;
  padding: .55rem 0; color: var(--muted); font-size: .9rem;
  transition: color .3s, padding-left .3s var(--ease);
}
.disc-rail a i { font-style: normal; font-family: var(--serif); font-size: .76rem; color: var(--gold); opacity: .6; transition: opacity .3s; }
.disc-rail a:hover { color: var(--body); }
.disc-rail a.is-active { color: var(--gold-2); padding-left: .45rem; }
.disc-rail a.is-active i { opacity: 1; }

.disc-main .disclosure { max-width: none; margin: 0; padding: clamp(70px, 10vh, 130px) 0; }
.disclosure { border-top: 1px solid var(--line); }
.disclosure__body { max-width: 940px; }

/* big outlined section numerals */
.disclosure .shead { display: block; margin-bottom: clamp(28px, 4vw, 48px); }
.disclosure .index {
  display: block; font-size: clamp(3.2rem, 6vw, 5.6rem); line-height: 1;
  color: transparent; -webkit-text-stroke: 1px rgba(160, 111, 51,.5);
  margin-bottom: .7rem;
}
.disclosure .shead h2 { font-size: clamp(1.9rem, 4.2vw, 3.2rem); }

@media (max-width: 900px) {
  .disc-wrap { display: block; }
  .disc-rail { display: none; }
}
.mini-head { font-family: var(--serif); font-weight: 400; font-size: 1.4rem; color: var(--ink); margin: 2.4rem 0 .6rem; }

.prose p { color: var(--body); font-size: 1.04rem; line-height: 1.7; margin-bottom: 1.2rem; max-width: 70ch; }
.prose a { color: var(--gold-2); }
.prose ul { list-style: none; margin: 1.1rem 0 1.6rem; }
.prose li {
  position: relative; padding: .6rem 0 .6rem 1.7rem; color: var(--body);
  font-size: 1.01rem; border-bottom: 1px solid var(--line); max-width: 70ch;
}
.prose li::before { content: '—'; position: absolute; left: 0; color: var(--gold); }

.todo {
  display: inline-block; color: var(--gold-2); font-weight: 500; font-size: .88em;
  background: rgba(160, 111, 51,.1); border: 1px dashed rgba(160, 111, 51,.6);
  border-radius: 6px; padding: .05em .5em;
}

.doc-table-wrap { overflow-x: auto; margin: 1.6rem 0; border: 1px solid var(--line); border-radius: 16px; }
.doc-table { width: 100%; border-collapse: collapse; min-width: 560px; font-size: .97rem; }
.doc-table th, .doc-table td { text-align: left; padding: 1rem 1.2rem; border-bottom: 1px solid var(--line); vertical-align: top; color: var(--body); }
.doc-table thead th { background: var(--surface); color: var(--ink); font-weight: 500; letter-spacing: .07em; font-size: .7rem; text-transform: uppercase; }
.doc-table tbody tr:last-child td { border-bottom: none; }
.doc-table td strong { color: var(--ink); font-weight: 500; }
.doc-table a { color: var(--gold-2); }

.flow { display: flex; flex-direction: column; margin: 1.4rem 0 2rem; max-width: 740px; }
.flow__step { background: var(--surface); border: 1px solid var(--line); border-radius: 18px; padding: 1.5rem 1.8rem; }
.flow__step--rbi { background: linear-gradient(160deg, var(--surface-2), var(--surface)); border-color: rgba(160, 111, 51,.5); }
.flow__level { font-size: .68rem; letter-spacing: .24em; text-transform: uppercase; color: var(--gold); }
.flow__title { font-family: var(--serif); font-weight: 400; font-size: 1.35rem; color: var(--ink); margin: .4rem 0 .55rem; }
.flow__desc { color: var(--muted); font-size: .95rem; line-height: 1.55; }
.flow__desc a { color: var(--gold-2); }
.flow__desc strong { color: var(--ink); }
.flow__arrow { align-self: center; display: flex; flex-direction: column; align-items: center; padding: .55rem 0; }
.flow__arrow span { color: var(--muted); text-transform: uppercase; letter-spacing: .12em; font-size: .64rem; }
.flow__arrow::after { content: '↓'; color: var(--gold); font-size: 1.35rem; line-height: 1; margin-top: .25rem; }

/* desktop: lay the escalation out as a real left-to-right flowchart */
@media (min-width: 900px) {
  .flow { flex-direction: row; align-items: stretch; max-width: none; }
  .flow__step { flex: 1; }
  .flow__arrow { flex-shrink: 0; justify-content: center; text-align: center; max-width: 120px; padding: 0 .9rem; }
  .flow__arrow::after { content: '→'; }
}

.gro-card { background: var(--surface); border: 1px solid var(--line); border-radius: 20px; padding: clamp(24px, 3vw, 34px); margin: 1.8rem 0; max-width: 600px; }
.gro-card__label { display: block; font-size: .68rem; letter-spacing: .24em; text-transform: uppercase; color: var(--gold); margin-bottom: 1.2rem; }
.gro-card dl { display: grid; grid-template-columns: max-content 1fr; gap: .75rem 1.6rem; }
.gro-card dt { color: var(--muted); font-size: .9rem; }
.gro-card dd { color: var(--ink); font-size: 1rem; }
.gro-card a { color: var(--gold-2); }

.policy-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: clamp(14px, 2vw, 20px); margin: 1rem 0; }
.policy-card {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  background: var(--surface); border: 1px solid var(--line); border-radius: 16px;
  padding: 1.3rem 1.5rem; transition: transform .4s var(--ease), border-color .4s;
}
.policy-card:hover { transform: translateY(-4px); border-color: rgba(160, 111, 51,.55); }
.policy-card span { font-size: 1rem; color: var(--ink); }
.policy-card em { font-style: normal; color: var(--gold); font-size: 1.15rem; }

.notice {
  background: var(--bg-2); border: 1px solid var(--line); border-left: 3px solid var(--gold);
  border-radius: 12px; padding: 1.4rem 1.6rem; margin: 1.4rem 0;
}
.notice p { color: var(--body); font-size: .96rem; line-height: 1.65; }
.notice p strong { color: var(--ink); }

.reg-facts { display: grid; grid-template-columns: max-content 1fr; gap: .85rem 1.8rem; margin: 1.2rem 0 0; }
.reg-facts dt { color: var(--muted); font-size: .9rem; }
.reg-facts dd { color: var(--ink); font-size: 1rem; }
.reg-facts a { color: var(--gold-2); }

@media (max-width: 560px) {
  .gro-card dl, .reg-facts { grid-template-columns: 1fr; gap: .15rem 0; }
  .gro-card dt, .reg-facts dt { margin-top: .7rem; }
}

/* ---------- reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; }
}