/* ==========================================================================
   Vertex Finance Ltd — Global Stylesheet
   ========================================================================== */

:root{
  --ink:#081120;
  --ink-2:#0C1A2C;
  --ink-3:#12263E;
  --ink-4:#1B3454;
  --gold:#D9A94B;
  --gold-2:#F3D08B;
  --gold-soft:rgba(217,169,75,.14);
  --cyan:#3ECFD8;
  --green:#37C98B;

  --text:#0F1B2B;
  --text-2:#4A5B70;
  --text-3:#7C8CA1;
  --white:#FFFFFF;
  --light:#F5F8FC;
  --light-2:#EDF2F8;
  --line:#E2E9F2;
  --line-dark:rgba(255,255,255,.12);

  --radius:14px;
  --radius-lg:22px;
  --radius-xl:30px;

  --shadow-sm:0 2px 8px rgba(10,22,40,.06);
  --shadow:0 14px 34px rgba(10,22,40,.09);
  --shadow-lg:0 28px 70px rgba(10,22,40,.16);

  --maxw:1200px;
  --header-h:78px;

  --font:"Inter","Noto Sans TC","PingFang TC","Microsoft JhengHei",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --ease:cubic-bezier(.4,0,.2,1);
}

*,*::before,*::after{box-sizing:border-box}

html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}

body{
  margin:0;
  font-family:var(--font);
  font-size:16px;
  line-height:1.7;
  color:var(--text);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}

body.nav-open{overflow:hidden}

img,svg{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{margin:0;padding:0;list-style:none}
button{font:inherit;color:inherit;cursor:pointer;border:0;background:none}
input,select,textarea{font:inherit;color:inherit}

h1,h2,h3,h4,h5{margin:0 0 .5em;line-height:1.22;font-weight:700;letter-spacing:-.02em}
h1{font-size:clamp(2.1rem,4.4vw,3.5rem)}
h2{font-size:clamp(1.7rem,3vw,2.5rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
p:last-child{margin-bottom:0}

.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px}

/* ---------- Utilities ---------- */
.section{padding:96px 0;position:relative}
.section-sm{padding:64px 0}
.section-dark{background:var(--ink);color:#DCE6F2}
.section-dark h1,.section-dark h2,.section-dark h3{color:var(--white)}
.section-dark p{color:#A9BACF}
.section-soft{background:var(--light)}
.section-alt{background:var(--light-2)}

.eyebrow{
  display:inline-flex;align-items:center;gap:10px;
  font-size:.76rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;
  color:var(--gold);margin-bottom:16px;
}
.eyebrow::before{content:"";width:28px;height:2px;background:var(--gold);border-radius:2px}

.section-head{max-width:720px;margin-bottom:52px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head p{color:var(--text-2);font-size:1.06rem}
.section-dark .section-head p{color:#A9BACF}

.text-gold{color:var(--gold)}
.muted{color:var(--text-2)}
.center{text-align:center}
.mt-0{margin-top:0}
.mb-0{margin-bottom:0}

.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:14px 26px;border-radius:999px;font-weight:600;font-size:.95rem;
  letter-spacing:.01em;transition:all .25s var(--ease);white-space:nowrap;
}
.btn-gold{
  background:linear-gradient(120deg,var(--gold) 0%,var(--gold-2) 100%);
  color:#24190A;box-shadow:0 10px 26px rgba(217,169,75,.32);
}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(217,169,75,.42)}
.btn-outline{border:1.5px solid rgba(255,255,255,.35);color:var(--white)}
.btn-outline:hover{background:rgba(255,255,255,.1);border-color:var(--white)}
.btn-dark{background:var(--ink);color:var(--white)}
.btn-dark:hover{background:var(--ink-3);transform:translateY(-2px)}
.btn-line{border:1.5px solid var(--line);color:var(--text);background:var(--white)}
.btn-line:hover{border-color:var(--gold);color:var(--gold)}
.btn-sm{padding:10px 18px;font-size:.86rem}
.btn-block{width:100%}

.link-arrow{
  display:inline-flex;align-items:center;gap:8px;font-weight:600;color:var(--gold);
  font-size:.95rem;transition:gap .25s var(--ease);
}
.link-arrow svg{width:18px;height:18px}
.link-arrow:hover{gap:14px}

/* ---------- Header ---------- */
.site-header{
  position:fixed;top:0;left:0;right:0;z-index:100;
  height:var(--header-h);display:flex;align-items:center;
  transition:background .3s var(--ease),box-shadow .3s var(--ease),height .3s var(--ease);
  background:rgba(8,17,32,.28);backdrop-filter:blur(6px);
}
.site-header.scrolled{
  background:rgba(255,255,255,.96);backdrop-filter:blur(14px);
  box-shadow:0 6px 26px rgba(10,22,40,.08);height:68px;
}
.header-inner{display:flex;align-items:center;gap:18px;width:100%}

.logo{display:flex;align-items:center;gap:12px;margin-right:auto}
.logo img{width:40px;height:40px;flex:none}
.logo-text{display:flex;flex-direction:column;line-height:1.08}
.logo-text strong{
  font-size:1.06rem;letter-spacing:.14em;color:var(--white);font-weight:800;
  transition:color .3s var(--ease);
}
.logo-text em{
  font-style:normal;font-size:.62rem;letter-spacing:.24em;color:var(--gold);font-weight:600;
}
.site-header.scrolled .logo-text strong{color:var(--ink)}

.main-nav{display:flex;align-items:center;gap:4px}
.main-nav a{
  padding:9px 14px;border-radius:999px;font-size:.93rem;font-weight:500;
  color:rgba(255,255,255,.86);transition:all .22s var(--ease);
}
.site-header.scrolled .main-nav a{color:var(--text-2)}
.main-nav a:hover{color:var(--gold);background:rgba(217,169,75,.1)}
.main-nav a.active{color:var(--gold);background:rgba(217,169,75,.14);font-weight:600}
.main-nav .btn{margin-left:10px}

/* Language switcher */
.lang-switch{position:relative}
.lang-btn{
  display:flex;align-items:center;gap:8px;padding:9px 14px;border-radius:999px;
  border:1px solid rgba(255,255,255,.26);color:var(--white);font-size:.85rem;font-weight:600;
  transition:all .22s var(--ease);
}
.site-header.scrolled .lang-btn{border-color:var(--line);color:var(--text)}
.lang-btn svg{width:16px;height:16px;flex:none}
.lang-btn:hover{border-color:var(--gold);color:var(--gold)}
.lang-menu{
  position:absolute;top:calc(100% + 10px);right:0;min-width:172px;
  background:var(--white);border:1px solid var(--line);border-radius:14px;
  box-shadow:var(--shadow-lg);padding:8px;opacity:0;visibility:hidden;transform:translateY(-8px);
  transition:all .2s var(--ease);
}
.lang-switch.open .lang-menu{opacity:1;visibility:visible;transform:translateY(0)}
.lang-menu button{
  display:flex;align-items:center;justify-content:space-between;gap:12px;width:100%;
  padding:10px 12px;border-radius:10px;font-size:.9rem;color:var(--text-2);text-align:left;
}
.lang-menu button:hover{background:var(--light);color:var(--text)}
.lang-menu button.active{color:var(--gold);font-weight:700;background:var(--gold-soft)}
.lang-menu .tick{opacity:0;width:14px;height:14px}
.lang-menu button.active .tick{opacity:1}

.nav-toggle{display:none;width:44px;height:44px;border-radius:12px;position:relative}
.nav-toggle span{
  position:absolute;left:12px;width:20px;height:2px;background:var(--white);border-radius:2px;
  transition:all .3s var(--ease);
}
.site-header.scrolled .nav-toggle span{background:var(--ink)}
.nav-toggle span:nth-child(1){top:16px}
.nav-toggle span:nth-child(2){top:21px}
.nav-toggle span:nth-child(3){top:26px}
.nav-toggle.open span:nth-child(1){transform:translateY(5px) rotate(45deg)}
.nav-toggle.open span:nth-child(2){opacity:0}
.nav-toggle.open span:nth-child(3){transform:translateY(-5px) rotate(-45deg)}

/* ---------- Hero (home) ---------- */
.hero{
  position:relative;padding:calc(var(--header-h) + 88px) 0 110px;
  background:var(--ink);color:var(--white);overflow:hidden;isolation:isolate;
}
.hero-bg{position:absolute;inset:0;z-index:-2}
.hero-bg::before,.hero-bg::after{content:"";position:absolute;border-radius:50%;filter:blur(90px);opacity:.5}
.hero-bg::before{width:640px;height:640px;background:rgba(217,169,75,.30);top:-220px;right:-160px}
.hero-bg::after{width:520px;height:520px;background:rgba(62,207,216,.20);bottom:-260px;left:-140px}
.hero-grid{
  position:absolute;inset:0;z-index:-1;
  background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);
  background-size:56px 56px;
  mask-image:radial-gradient(ellipse 78% 62% at 50% 32%,#000 40%,transparent 100%);
  -webkit-mask-image:radial-gradient(ellipse 78% 62% at 50% 32%,#000 40%,transparent 100%);
}
.hero-inner{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}
.hero h1{color:var(--white);margin-bottom:20px}
.hero h1 em{font-style:normal;color:var(--gold-2);position:relative;white-space:nowrap}
.hero-sub{font-size:1.12rem;color:#B9C8DC;max-width:560px;margin-bottom:32px}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:26px}
.hero-badge{
  display:inline-flex;align-items:center;gap:10px;padding:8px 16px;border-radius:999px;
  background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);
  font-size:.82rem;color:#D8E3F1;margin-bottom:22px;
}
.hero-badge .dot{width:8px;height:8px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(55,201,139,.24)}
.hero-chips{display:flex;flex-wrap:wrap;gap:10px 22px;color:#9FB2C9;font-size:.9rem}
.hero-chips li{display:flex;align-items:center;gap:8px}
.hero-chips svg{width:16px;height:16px;color:var(--gold);flex:none}

/* FX widget */
.fx-card{
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);
  border-radius:var(--radius-xl);padding:26px;backdrop-filter:blur(18px);
  box-shadow:0 30px 70px rgba(0,0,0,.35);
}
.fx-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px}
.fx-head h3{font-size:1rem;margin:0;color:var(--white)}
.fx-live{display:flex;align-items:center;gap:7px;font-size:.72rem;color:var(--green);letter-spacing:.06em;text-transform:uppercase;font-weight:700}
.fx-live i{width:7px;height:7px;border-radius:50%;background:var(--green);animation:pulse 1.8s infinite}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.4;transform:scale(.8)}}
.fx-row{margin-bottom:14px}
.fx-row label{display:block;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:#94A8C0;margin-bottom:7px}
.fx-input{display:flex;align-items:center;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:14px;padding:4px 4px 4px 16px;transition:border-color .2s}
.fx-input:focus-within{border-color:var(--gold)}
.fx-input input,.fx-input select{flex:1;min-width:0;background:none;border:0;outline:none;color:var(--white);padding:12px 8px;font-size:1.02rem}
.fx-input input{font-weight:700;font-variant-numeric:tabular-nums}
.fx-input select{width:auto;color:#D6E2F1;cursor:pointer;font-weight:600;font-size:.95rem}
.fx-input select option{color:#0F1B2B}
.fx-swap{display:flex;justify-content:center;margin:-4px 0 8px}
.fx-swap button{width:34px;height:34px;border-radius:50%;background:rgba(217,169,75,.16);color:var(--gold-2);display:grid;place-items:center;transition:transform .3s var(--ease)}
.fx-swap button:hover{transform:rotate(180deg)}
.fx-swap svg{width:16px;height:16px}
.fx-out{background:linear-gradient(135deg,rgba(217,169,75,.22),rgba(217,169,75,.06));border:1px solid rgba(217,169,75,.3)}
.fx-meta{display:flex;justify-content:space-between;font-size:.78rem;color:#93A7BF;border-top:1px dashed rgba(255,255,255,.14);padding-top:14px;margin-top:16px}
.fx-meta strong{color:var(--white);font-variant-numeric:tabular-nums}
.fx-note{font-size:.72rem;color:#7D90AA;margin-top:12px;text-align:center}

/* ---------- Stats ---------- */
.stats-bar{background:var(--ink-2);padding:0;border-top:1px solid var(--line-dark)}
.stats{display:grid;grid-template-columns:repeat(4,1fr)}
.stat{padding:34px 20px;text-align:center;position:relative}
.stat + .stat::before{content:"";position:absolute;left:0;top:26%;height:48%;width:1px;background:var(--line-dark)}
.stat b{display:block;font-size:2rem;line-height:1.1;color:var(--gold-2);font-weight:800;letter-spacing:-.02em}
.stat span{display:block;font-size:.86rem;color:#9FB2C9;margin-top:6px}

/* ---------- Cards ---------- */
.card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:30px;transition:all .3s var(--ease);height:100%;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:rgba(217,169,75,.45)}
.card-icon{
  width:52px;height:52px;border-radius:15px;display:grid;place-items:center;margin-bottom:18px;
  background:linear-gradient(135deg,rgba(217,169,75,.18),rgba(217,169,75,.06));
  color:var(--gold);
}
.card-icon svg{width:24px;height:24px}
.card h3{font-size:1.1rem;margin-bottom:10px}
.card p{color:var(--text-2);font-size:.95rem;margin-bottom:16px}
.card .link-arrow{font-size:.88rem}

.card-dark{
  background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.1);
  border-radius:var(--radius-lg);padding:28px;color:#C6D4E5;height:100%;
}
.card-dark h3{color:var(--white)}
.card-dark .card-icon{background:rgba(217,169,75,.14)}

/* Feature list with checks */
.check-list li{display:flex;gap:12px;padding:9px 0;color:var(--text-2);font-size:.95rem;border-bottom:1px dashed var(--line)}
.check-list li:last-child{border-bottom:0}
.check-list svg{width:18px;height:18px;flex:none;margin-top:4px;color:var(--green)}
.section-dark .check-list li{color:#C6D4E5;border-color:rgba(255,255,255,.1)}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:step}
.step{position:relative;padding-top:34px}
.step::before{
  counter-increment:step;content:counter(step,decimal-leading-zero);
  font-size:.85rem;font-weight:800;color:var(--gold);letter-spacing:.1em;
}
.step::after{
  content:"";position:absolute;top:12px;left:52px;right:-12px;height:1px;
  background:repeating-linear-gradient(90deg,var(--line) 0 6px,transparent 6px 12px);
}
.step:last-child::after{display:none}
.step h3{font-size:1.05rem;margin:6px 0 8px}
.step p{font-size:.93rem;color:var(--text-2)}

/* ---------- Coverage ---------- */
.coverage-wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:52px;align-items:center}
.region-list{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.region{
  display:flex;align-items:center;gap:12px;padding:16px 18px;border-radius:16px;
  background:var(--white);border:1px solid var(--line);transition:all .25s var(--ease);
}
.region:hover{border-color:var(--gold);transform:translateX(4px)}
.region b{font-size:.95rem;display:block}
.region span{font-size:.8rem;color:var(--text-3)}
.region i{
  width:34px;height:34px;border-radius:10px;background:var(--gold-soft);color:var(--gold);
  display:grid;place-items:center;font-style:normal;font-weight:800;font-size:.8rem;flex:none;
}
.globe-visual{
  position:relative;aspect-ratio:1;border-radius:50%;
  background:radial-gradient(circle at 32% 28%,#1B3454,#0C1A2C 62%);
  border:1px solid var(--line-dark);display:grid;place-items:center;overflow:hidden;
}
.globe-visual::before{
  content:"";position:absolute;inset:0;
  background-image:linear-gradient(rgba(62,207,216,.18) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(62,207,216,.18) 1px,transparent 1px);
  background-size:34px 34px;border-radius:50%;
}
.globe-visual::after{
  content:"";position:absolute;width:74%;height:74%;border-radius:50%;
  border:1px solid rgba(217,169,75,.35);animation:spin 26s linear infinite;
}
@keyframes spin{to{transform:rotate(360deg)}}
.pin{
  position:absolute;width:9px;height:9px;border-radius:50%;background:var(--gold-2);
  box-shadow:0 0 0 6px rgba(217,169,75,.18);
}
.pin::after{content:"";position:absolute;inset:-10px;border-radius:50%;border:1px solid rgba(243,208,139,.4);animation:ping 2.6s ease-out infinite}
@keyframes ping{0%{transform:scale(.4);opacity:1}100%{transform:scale(1.5);opacity:0}}

/* ---------- Trust / compliance band ---------- */
.trust{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.msb-badge{
  border:1px solid rgba(217,169,75,.34);border-radius:var(--radius-xl);padding:30px;
  background:linear-gradient(160deg,rgba(217,169,75,.16),rgba(255,255,255,.03));
}
.msb-badge .seal{
  width:78px;height:78px;border-radius:50%;border:2px solid var(--gold);
  display:grid;place-items:center;margin-bottom:18px;color:var(--gold-2);
}
.msb-badge .seal svg{width:38px;height:38px}
.msb-badge h3{color:var(--black);margin-bottom:6px}
.reg-table{margin-top:20px;border-top:1px solid rgba(255,255,255,.12)}
.reg-row{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:.88rem}
.reg-row span{color:#93A7BF}
.reg-row b{color:var(--black);font-weight:600;text-align:right}

/* ---------- Testimonials ---------- */
.quote-card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:32px;height:100%;position:relative;
}
.quote-card .mark{font-size:3rem;line-height:1;color:var(--gold);opacity:.32;font-weight:800}
.quote-card p{color:var(--text-2);font-size:.97rem;margin:6px 0 22px;font-style:italic}
.author{display:flex;align-items:center;gap:12px}
.avatar{
  width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--ink-3),var(--ink-4));
  color:var(--gold-2);display:grid;place-items:center;font-weight:700;font-size:.9rem;flex:none;
}
.author b{display:block;font-size:.95rem}
.author span{font-size:.82rem;color:var(--text-3)}

/* ---------- Accordion / FAQ ---------- */
.accordion{display:flex;flex-direction:column;gap:12px}
.acc-item{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:all .25s var(--ease)}
.acc-item.open{border-color:rgba(217,169,75,.5);box-shadow:var(--shadow-sm)}
.acc-head{width:100%;display:flex;align-items:center;justify-content:space-between;gap:18px;padding:20px 24px;text-align:left;font-weight:600;font-size:1rem}
.acc-head:hover{color:var(--gold)}
.acc-head i{flex:none;width:26px;height:26px;border-radius:50%;background:var(--light);display:grid;place-items:center;transition:all .3s var(--ease)}
.acc-head i::before,.acc-head i::after{content:"";position:absolute;background:currentColor;border-radius:2px;transition:transform .3s var(--ease)}
.acc-head i{position:relative}
.acc-head i::before{width:11px;height:2px}
.acc-head i::after{width:2px;height:11px}
.acc-item.open .acc-head i{background:var(--gold);color:#24190A}
.acc-item.open .acc-head i::after{transform:rotate(90deg)}
.acc-body{max-height:0;overflow:hidden;transition:max-height .35s var(--ease)}
.acc-body-inner{padding:0 24px 22px;color:var(--text-2);font-size:.96rem}

.faq-filter{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:32px}
.faq-filter button{
  padding:9px 18px;border-radius:999px;border:1px solid var(--line);background:var(--white);
  font-size:.88rem;font-weight:600;color:var(--text-2);transition:all .22s var(--ease);
}
.faq-filter button:hover{border-color:var(--gold);color:var(--gold)}
.faq-filter button.active{background:var(--ink);border-color:var(--ink);color:var(--white)}

/* ---------- CTA band ---------- */
.cta-band{
  position:relative;overflow:hidden;background:linear-gradient(120deg,#0C1A2C 0%,#16294A 55%,#0C1A2C 100%);
  color:var(--white);border-radius:var(--radius-xl);padding:64px 56px;isolation:isolate;
}
.cta-band::before{
  content:"";position:absolute;width:520px;height:520px;border-radius:50%;
  background:rgba(217,169,75,.18);filter:blur(80px);top:-220px;right:-120px;z-index:-1;
}
.cta-band h2{color:var(--white);margin-bottom:12px}
.cta-band p{color:#B9C8DC;max-width:640px;margin-bottom:28px}
.cta-actions{display:flex;flex-wrap:wrap;gap:14px}

/* ---------- Page hero (inner pages) ---------- */
.page-hero{
  position:relative;padding:calc(var(--header-h) + 72px) 0 76px;background:var(--ink);color:var(--white);
  overflow:hidden;isolation:isolate;
}
.page-hero::before{
  content:"";position:absolute;width:600px;height:600px;border-radius:50%;
  background:rgba(217,169,75,.22);filter:blur(100px);top:-300px;right:-120px;z-index:-1;
}
.page-hero h1{color:var(--white);max-width:820px}
.page-hero p{color:#B9C8DC;font-size:1.08rem;max-width:660px;margin-bottom:0}
.breadcrumb{display:flex;align-items:center;gap:10px;font-size:.85rem;color:#8FA3BC;margin-bottom:20px}
.breadcrumb a:hover{color:var(--gold-2)}
.breadcrumb svg{width:14px;height:14px}

/* ---------- About page ---------- */
.about-visual{
  border-radius:var(--radius-xl);background:linear-gradient(150deg,#12263E,#0A1628);
  padding:38px;color:#fff;position:relative;overflow:hidden;
}
.about-visual::after{
  content:"";position:absolute;width:360px;height:360px;border-radius:50%;
  background:rgba(217,169,75,.2);filter:blur(70px);bottom:-180px;left:-100px;
}
.about-visual h3{color:var(--white);margin-bottom:18px}
.mv-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.mv-box{background:var(--white);border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:var(--radius);padding:28px}
.mv-box h3{margin-bottom:8px}
.mv-box p{color:var(--text-2);font-size:.96rem}

.leader{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;height:100%}
.leader-photo{
  aspect-ratio:4/3;background:linear-gradient(140deg,#1B3454,#0C1A2C);display:grid;place-items:center;
  color:var(--gold-2);font-size:2.4rem;font-weight:800;letter-spacing:.04em;
}
.leader-body{padding:24px}
.leader-body h3{margin-bottom:2px;font-size:1.05rem}
.leader-body .role{color:var(--gold);font-size:.85rem;font-weight:600;margin-bottom:12px;display:block}
.leader-body p{color:var(--text-2);font-size:.92rem}

.timeline{position:relative;padding-left:34px}
.timeline::before{content:"";position:absolute;left:9px;top:6px;bottom:6px;width:2px;background:linear-gradient(180deg,var(--gold),rgba(217,169,75,.1))}
.tl-item{position:relative;padding-bottom:30px}
.tl-item:last-child{padding-bottom:0}
.tl-item::before{
  content:"";position:absolute;left:-30px;top:7px;width:14px;height:14px;border-radius:50%;
  background:var(--white);border:3px solid var(--gold);
}
.tl-year{font-size:.82rem;font-weight:800;color:var(--gold);letter-spacing:.1em}
.tl-item h3{font-size:1.03rem;margin:4px 0 6px}
.tl-item p{font-size:.93rem;color:var(--text-2)}

/* ---------- Services page ---------- */
.service-block{
  display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;
  padding:64px 0;border-bottom:1px solid var(--line);
}
.service-block:last-child{border-bottom:0}
.service-block.reverse .service-media{order:-1}
.service-media{
  border-radius:var(--radius-xl);padding:38px;min-height:280px;position:relative;overflow:hidden;
  background:linear-gradient(150deg,#0F2035,#0A1628);color:#fff;
}
.service-media::before{
  content:"";position:absolute;inset:0;
  background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);
  background-size:30px 30px;opacity:.7;
}
.service-media .svc-icon{
  width:64px;height:64px;border-radius:18px;display:grid;place-items:center;margin-bottom:22px;
  background:rgba(217,169,75,.16);color:var(--gold-2);position:relative;
}
.service-media .svc-icon svg{width:30px;height:30px}
.service-media h4{color:var(--white);font-size:1.15rem;margin-bottom:8px;position:relative}
.service-media p{color:#A9BACF;font-size:.94rem;position:relative}
.service-media .tag-cloud{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px;position:relative}
.service-media .tag-cloud span{
  font-size:.76rem;padding:6px 12px;border-radius:999px;background:rgba(255,255,255,.07);
  border:1px solid rgba(255,255,255,.12);color:#CFDCEB;
}
.svc-no{font-size:.8rem;letter-spacing:.16em;color:var(--gold);font-weight:800;margin-bottom:12px;display:block}

.industry-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.industry{
  display:flex;align-items:center;gap:14px;padding:20px;border-radius:var(--radius);
  background:var(--white);border:1px solid var(--line);transition:all .25s var(--ease);
}
.industry:hover{border-color:var(--gold);transform:translateY(-3px)}
.industry svg{width:22px;height:22px;color:var(--gold);flex:none}
.industry b{font-size:.95rem;display:block}
.industry span{font-size:.82rem;color:var(--text-3)}

/* ---------- Compliance page ---------- */
.lic-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.lic-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);padding:26px;display:flex;gap:18px}
.lic-card .seal-sm{
  width:46px;height:46px;border-radius:12px;background:var(--gold-soft);color:var(--gold);
  display:grid;place-items:center;flex:none;
}
.lic-card .seal-sm svg{width:22px;height:22px}
.lic-card h3{font-size:1.02rem;margin-bottom:6px}
.lic-card p{font-size:.92rem;color:var(--text-2);margin-bottom:10px}
.lic-card .meta{font-size:.8rem;color:var(--text-3);display:flex;flex-wrap:wrap;gap:6px 14px}
.lic-card .meta b{color:var(--text)}

.pillar{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);padding:28px;height:100%;position:relative;overflow:hidden}
.pillar::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-2))}
.pillar .num{font-size:.8rem;font-weight:800;color:var(--gold);letter-spacing:.12em}
.pillar h3{margin:8px 0 10px;font-size:1.06rem}
.pillar p{font-size:.94rem;color:var(--text-2)}

.doc-list li{display:flex;align-items:flex-start;gap:14px;padding:16px 0;border-bottom:1px solid var(--line)}
.doc-list li:last-child{border-bottom:0}
.doc-list .file-ic{width:38px;height:38px;border-radius:10px;background:var(--light-2);color:var(--ink-3);display:grid;place-items:center;flex:none}
.doc-list .file-ic svg{width:18px;height:18px}
.doc-list b{display:block;font-size:.98rem}
.doc-list span{font-size:.88rem;color:var(--text-2)}
.doc-list .dl{color:var(--gold);font-size:.85rem;font-weight:600;margin-left:auto;white-space:nowrap}

.notice{
  border-left:3px solid var(--gold);background:var(--light);padding:20px 24px;border-radius:0 var(--radius) var(--radius) 0;
  font-size:.92rem;color:var(--text-2);
}

/* ---------- Contact page ---------- */
.contact-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start}
.form-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-xl);padding:38px;box-shadow:var(--shadow)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{margin-bottom:18px}
.field label{display:block;font-size:.84rem;font-weight:600;margin-bottom:7px;color:var(--text)}
.field label .req{color:var(--gold)}
.field input,.field select,.field textarea{
  width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:12px;background:var(--light);
  transition:all .2s var(--ease);font-size:.95rem;
}
.field textarea{min-height:130px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--gold);background:var(--white);box-shadow:0 0 0 4px rgba(217,169,75,.12);
}
.field .err{display:none;color:#D9534F;font-size:.8rem;margin-top:6px}
.field.invalid input,.field.invalid select,.field.invalid textarea{border-color:#D9534F}
.field.invalid .err{display:block}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:.86rem;color:var(--text-2);margin-bottom:20px}
.consent input{width:18px;height:18px;margin-top:3px;flex:none;accent-color:var(--gold)}
.form-note{font-size:.8rem;color:var(--text-3);margin-top:14px}
.form-status{display:none;padding:14px 18px;border-radius:12px;font-size:.9rem;margin-bottom:20px}
.form-status.ok{display:block;background:rgba(55,201,139,.12);color:#1E7F58;border:1px solid rgba(55,201,139,.3)}
.form-status.err{display:block;background:rgba(217,83,79,.1);color:#B03430;border:1px solid rgba(217,83,79,.28)}

.info-card{background:var(--ink);color:#fff;border-radius:var(--radius-xl);padding:36px}
.info-card h3{color:var(--white);margin-bottom:22px}
.info-item{display:flex;gap:16px;padding:18px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.info-item:last-of-type{border-bottom:0}
.info-item .ic{width:42px;height:42px;border-radius:12px;background:rgba(217,169,75,.14);color:var(--gold-2);display:grid;place-items:center;flex:none}
.info-item .ic svg{width:20px;height:20px}
.info-item small{display:block;font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;color:#8FA3BC;margin-bottom:4px}
.info-item b{font-size:1rem;color:var(--white);font-weight:600;display:block;line-height:1.5}
.info-item a:hover{color:var(--gold-2)}
.hours-badge{
  display:inline-flex;align-items:center;gap:8px;margin-top:20px;padding:8px 14px;border-radius:999px;
  background:rgba(55,201,139,.14);color:#7DE3B6;font-size:.82rem;
}
.hours-badge i{width:7px;height:7px;border-radius:50%;background:#37C98B}

.office-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);padding:26px;height:100%;transition:all .25s var(--ease)}
.office-card:hover{border-color:var(--gold);box-shadow:var(--shadow)}
.office-card .tag{
  display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  color:var(--gold);background:var(--gold-soft);padding:4px 10px;border-radius:999px;margin-bottom:12px;
}
.office-card h3{font-size:1.05rem;margin-bottom:8px}
.office-card p{color:var(--text-2);font-size:.93rem;margin-bottom:12px}
.office-card .ph{font-size:.9rem;color:var(--text);font-weight:600}

.map-box{
  border-radius:var(--radius-xl);overflow:hidden;border:1px solid var(--line);position:relative;
  background:linear-gradient(140deg,#12263E,#0A1628);min-height:300px;display:grid;place-items:center;color:#8FA3BC;
}
.map-box::before{
  content:"";position:absolute;inset:0;
  background-image:linear-gradient(rgba(255,255,255,.06) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.06) 1px,transparent 1px);
  background-size:38px 38px;
}
.map-box .map-pin{position:relative;text-align:center;z-index:1;padding:30px}
.map-box .map-pin svg{width:38px;height:38px;color:var(--gold);margin:0 auto 12px}
.map-box .map-pin b{color:var(--white);display:block;font-size:1rem}
.map-box .map-pin span{font-size:.86rem}

/* ---------- Legal page ---------- */
.tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:34px;border-bottom:1px solid var(--line);padding-bottom:14px}
.tabs button{
  padding:10px 20px;border-radius:999px;font-size:.9rem;font-weight:600;color:var(--text-2);
  transition:all .22s var(--ease);
}
.tabs button:hover{color:var(--gold)}
.tabs button.active{background:var(--ink);color:var(--white)}
.legal-panel{display:none}
.legal-panel.active{display:block;animation:fadeUp .35s var(--ease)}
@keyframes fadeUp{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.legal-panel h2{font-size:1.5rem;margin-bottom:6px}
.legal-panel .updated{font-size:.82rem;color:var(--text-3);margin-bottom:26px}
.legal-panel h3{font-size:1.08rem;margin:30px 0 10px}
.legal-panel p,.legal-panel li{color:var(--text-2);font-size:.96rem}
.legal-panel ul{padding-left:20px;list-style:disc;margin-bottom:16px}
.legal-panel ul li{margin-bottom:8px}

/* ---------- Footer ---------- */
.site-footer{background:var(--ink);color:#A9BACF;padding:78px 0 0;font-size:.94rem}
.footer-top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:44px;padding-bottom:48px}
.footer-col h4{color:var(--white);font-size:.86rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:20px}
.footer-col ul li{margin-bottom:11px}
.footer-col ul a{color:#A9BACF;transition:color .2s}
.footer-col ul a:hover{color:var(--gold-2)}
.footer-about p{margin:18px 0 22px;max-width:330px}
.news-form{display:flex;gap:8px;margin-bottom:12px}
.news-form input{
  flex:1;min-width:0;padding:11px 16px;border-radius:999px;font-size:.85rem;
  border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.06);color:var(--white);
}
.news-form input::placeholder{color:#8FA3BC}
.news-form input:focus{outline:none;border-color:var(--gold)}
.news-status{font-size:.8rem;color:#7DE3B6;min-height:1.2em;margin-bottom:18px}
.socials{display:flex;gap:10px}
.socials a{
  width:38px;height:38px;border-radius:11px;background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.1);display:grid;place-items:center;color:#A9BACF;transition:all .25s var(--ease);
}
.socials a:hover{background:var(--gold);color:#24190A;border-color:var(--gold);transform:translateY(-3px)}
.socials svg{width:17px;height:17px}
.contact-mini li{display:flex;gap:12px;margin-bottom:14px;align-items:flex-start}
.contact-mini svg{width:17px;height:17px;color:var(--gold);flex:none;margin-top:4px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding:24px 0 34px;font-size:.84rem;color:#7E92AB}
.footer-bottom-inner{display:flex;flex-wrap:wrap;gap:16px;justify-content:space-between;align-items:center}
.footer-legal{display:flex;flex-wrap:wrap;gap:8px 20px}
.footer-legal a:hover{color:var(--gold-2)}
.footer-seal{display:flex;align-items:center;gap:12px;margin-top:22px;padding:14px 16px;border:1px solid rgba(255,255,255,.1);border-radius:14px;background:rgba(255,255,255,.03)}
.footer-seal svg{width:26px;height:26px;color:var(--gold-2);flex:none}
.footer-seal small{font-size:.74rem;color:#8FA3BC;display:block}

.to-top{
  position:fixed;right:24px;bottom:24px;width:46px;height:46px;border-radius:14px;
  background:var(--ink);color:var(--white);display:grid;place-items:center;z-index:80;
  box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(10px);transition:all .3s var(--ease);
}
.to-top.show{opacity:1;visibility:visible;transform:none}
.to-top:hover{background:var(--gold);color:#24190A}
.to-top svg{width:18px;height:18px}

/* ---------- Reveal animation ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}

/* ---------- Responsive ---------- */
@media (max-width:1080px){
  .footer-top{grid-template-columns:1fr 1fr;gap:36px}
  .industry-grid{grid-template-columns:repeat(2,1fr)}
}

@media (max-width:980px){
  .nav-toggle{display:block}
  .main-nav{
    position:fixed;top:var(--header-h);left:0;right:0;max-height:0;overflow:hidden;
    flex-direction:column;align-items:stretch;gap:4px;padding:0 20px;
    background:var(--white);box-shadow:var(--shadow);transition:max-height .35s var(--ease),padding .35s var(--ease);
  }
  .main-nav.open{max-height:calc(100vh - var(--header-h));padding:18px 20px 26px;overflow-y:auto}
  .main-nav a{color:var(--text)!important;padding:13px 14px;border-radius:12px;font-size:1rem}
  .main-nav a:hover,.main-nav a.active{background:var(--gold-soft);color:var(--gold)!important}
  .main-nav .btn{margin:10px 0 0;justify-content:center}
  .hero-inner,.trust,.coverage-wrap,.contact-grid,.service-block{grid-template-columns:1fr}
  .service-block{gap:32px;padding:48px 0}
  .service-block.reverse .service-media{order:0}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);gap:28px}
  .step::after{display:none}
  .lic-grid,.mv-grid,.form-row{grid-template-columns:1fr}
  .cta-band{padding:48px 32px}
  .lang-switch{margin-left:auto}
  .lang-btn span{display:none}
  .lang-btn{padding:9px 11px}
}

@media (max-width:720px){
  .section{padding:68px 0}
  .section-sm{padding:48px 0}
  .hero{padding:calc(var(--header-h) + 56px) 0 78px}
  .grid-2,.grid-3,.grid-4,.industry-grid,.region-list{grid-template-columns:1fr}
  .stats{grid-template-columns:repeat(2,1fr)}
  .stat + .stat::before{display:none}
  .stat{border-top:1px solid var(--line-dark)}
  .stat:nth-child(-n+2){border-top:0}
  .steps{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr;gap:32px}
  .cta-band{padding:40px 24px}
  .form-card,.info-card{padding:26px}
  .page-hero{padding:calc(var(--header-h) + 48px) 0 56px}
  .fx-card{padding:20px}
}

@media (prefers-reduced-motion:reduce){
  *{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
}