:root {
  --navy: #0c1726;
  --navy-2: #111f31;
  --navy-3: #16283d;
  --paper: #f5f2ec;
  --white: #ffffff;
  --ink: #172130;
  --muted: #687586;
  --gold: #c5a35a;
  --gold-light: #e4d2a8;
  --line: rgba(18, 31, 48, .12);
  --shadow: 0 20px 50px rgba(8, 19, 33, .10);
  --radius: 24px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
button, a { -webkit-tap-highlight-color: transparent; }
img, svg { display: block; max-width: 100%; }
.container { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.section { padding: 105px 0; }
.section-dark { background: var(--navy); color: var(--white); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(12, 23, 38, .92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.nav-wrap { height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.brand { display: inline-flex; align-items: center; gap: 12px; color: #fff; min-width: 0; }
.brand-mark { width: 42px; height: 42px; display: grid; place-items: center; color: var(--gold-light); flex: 0 0 auto; }
.brand-mark svg { width: 38px; height: 38px; }
.brand-copy { display: flex; flex-direction: column; line-height: 1.15; }
.brand-copy strong { font-family: Georgia, "Times New Roman", serif; font-size: 1.05rem; letter-spacing: .01em; }
.brand-copy small { color: #aeb9c7; margin-top: 4px; font-size: .72rem; }
.main-nav { display: flex; align-items: center; gap: 28px; }
.main-nav a { color: #dce3eb; font-size: .91rem; position: relative; padding: 8px 0; }
.main-nav a::after { content: ""; position: absolute; left: 0; bottom: 1px; width: 0; height: 1px; background: var(--gold-light); transition: width .25s ease; }
.main-nav a:hover::after, .main-nav a.active::after { width: 100%; }
.menu-toggle { display: none; width: 42px; height: 42px; border: 0; background: transparent; padding: 9px; cursor: pointer; }
.menu-toggle span { display: block; height: 2px; background: #fff; margin: 5px 0; transition: .25s; }

.hero { min-height: 690px; position: relative; overflow: hidden; display: flex; align-items: center; }
.hero::before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.025) 1px, transparent 1px); background-size: 48px 48px; mask-image: linear-gradient(to bottom, black, transparent 88%); }
.hero-glow { position: absolute; border-radius: 50%; filter: blur(4px); pointer-events: none; }
.hero-glow-one { width: 440px; height: 440px; right: -130px; top: 80px; background: radial-gradient(circle, rgba(197,163,90,.16), transparent 68%); }
.hero-glow-two { width: 360px; height: 360px; left: -180px; bottom: -80px; background: radial-gradient(circle, rgba(85,119,156,.16), transparent 70%); }
.hero-grid { position: relative; z-index: 2; display: grid; grid-template-columns: 1.04fr .96fr; align-items: center; gap: 70px; padding-block: 95px; }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; text-transform: uppercase; letter-spacing: .17em; font-size: .74rem; font-weight: 800; color: var(--gold-light); }
.eyebrow::before { content: ""; width: 30px; height: 1px; background: currentColor; }
.eyebrow.dark { color: #8f6e31; }
.hero h1, .section-heading h2, .summary-wrap h2 { font-family: Georgia, "Times New Roman", serif; font-weight: 500; letter-spacing: -.035em; margin: 18px 0; }
.hero h1 { font-size: clamp(3.1rem, 6.2vw, 5.6rem); max-width: 760px; line-height: .99; }
.hero-copy > p { max-width: 650px; color: #bac5d2; font-size: 1.08rem; margin: 0 0 30px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.btn { min-height: 50px; padding: 0 22px; display: inline-flex; align-items: center; justify-content: center; border-radius: 999px; font-weight: 750; font-size: .93rem; transition: transform .25s, background .25s, border-color .25s; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--gold); color: #111b29; }
.btn-primary:hover { background: #d5b56f; }
.btn-ghost { border: 1px solid rgba(255,255,255,.20); color: #f5f7f9; }
.btn-ghost:hover { border-color: rgba(255,255,255,.42); background: rgba(255,255,255,.05); }
.hero-tags { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 28px; }
.hero-tags span { font-size: .76rem; color: #c2ccd7; border: 1px solid rgba(255,255,255,.10); padding: 6px 10px; border-radius: 999px; background: rgba(255,255,255,.03); }

.hero-visual { min-height: 470px; position: relative; display: grid; place-items: center; }
.orbit { position: absolute; border: 1px solid rgba(228,210,168,.18); border-radius: 50%; }
.orbit-one { width: 390px; height: 390px; animation: slowSpin 28s linear infinite; }
.orbit-two { width: 300px; height: 300px; border-style: dashed; animation: slowSpinReverse 22s linear infinite; }
.hero-card { position: relative; z-index: 3; }
.hero-card-main { width: 285px; min-height: 245px; border-radius: 32px; padding: 35px 28px; display: flex; flex-direction: column; align-items: flex-start; justify-content: center; background: linear-gradient(145deg, rgba(255,255,255,.11), rgba(255,255,255,.035)); border: 1px solid rgba(255,255,255,.14); box-shadow: 0 35px 70px rgba(0,0,0,.25); backdrop-filter: blur(14px); }
.icon-box.large { width: 70px; height: 70px; border-radius: 22px; display: grid; place-items: center; background: rgba(197,163,90,.12); border: 1px solid rgba(228,210,168,.22); color: var(--gold-light); margin-bottom: 28px; }
.icon-box svg { width: 40px; height: 40px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.hero-card-main > span { color: #aeb9c7; font-size: .78rem; text-transform: uppercase; letter-spacing: .14em; }
.hero-card-main strong { font-family: Georgia, "Times New Roman", serif; font-size: 1.45rem; line-height: 1.25; margin-top: 7px; font-weight: 500; }
.mini-card { position: absolute; z-index: 4; width: 230px; min-height: 76px; border-radius: 18px; padding: 13px 14px; display: flex; align-items: center; gap: 12px; background: rgba(20,35,53,.88); border: 1px solid rgba(255,255,255,.12); box-shadow: 0 18px 35px rgba(0,0,0,.18); backdrop-filter: blur(14px); }
.mini-card-a { left: -10px; top: 68px; }
.mini-card-b { right: -15px; top: 175px; }
.mini-card-c { left: 20px; bottom: 48px; }
.mini-icon { width: 43px; height: 43px; border-radius: 13px; display: grid; place-items: center; color: var(--gold-light); background: rgba(197,163,90,.11); font-family: Georgia, serif; font-weight: 700; font-size: .86rem; flex: 0 0 auto; }
.mini-card small, .mini-card strong { display: block; }
.mini-card small { color: #8fa0b2; font-size: .70rem; text-transform: uppercase; letter-spacing: .1em; }
.mini-card strong { color: #f4f6f8; font-size: .82rem; margin-top: 2px; }

.section-intro { background: var(--paper); }
.section-heading { max-width: 720px; }
.section-heading.centered { text-align: center; margin: 0 auto 48px; }
.section-heading.centered .eyebrow { justify-content: center; }
.section-heading h2, .summary-wrap h2 { color: var(--ink); font-size: clamp(2.35rem, 4.3vw, 4.1rem); line-height: 1.04; }
.section-heading p { color: var(--muted); margin: 0; font-size: 1.02rem; }
.section-heading.light h2 { color: #fff; }
.section-heading.light p { color: #aab7c5; }
.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.service-card { min-height: 350px; padding: 30px; border-radius: var(--radius); background: rgba(255,255,255,.76); border: 1px solid var(--line); box-shadow: 0 10px 30px rgba(9,22,38,.04); transition: transform .3s ease, box-shadow .3s ease, border-color .3s; position: relative; overflow: hidden; display: flex; flex-direction: column; }
.service-card::after { content: ""; position: absolute; width: 160px; height: 160px; border-radius: 50%; right: -70px; bottom: -80px; background: radial-gradient(circle, rgba(197,163,90,.13), transparent 67%); transition: transform .3s ease; }
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow); border-color: rgba(197,163,90,.4); }
.service-card:hover::after { transform: scale(1.35); }
.service-card.featured { background: var(--navy-2); color: #fff; border-color: rgba(255,255,255,.07); }
.service-card.featured p { color: #aeb9c7; }
.service-card.featured .service-icon { color: var(--gold-light); border-color: rgba(228,210,168,.18); background: rgba(197,163,90,.10); }
.service-icon { width: 60px; height: 60px; border-radius: 19px; display: grid; place-items: center; border: 1px solid var(--line); color: #8f6e31; margin-bottom: 42px; background: #fbfaf7; }
.service-icon svg, .insurance-symbol svg, .notice-icon svg { width: 34px; height: 34px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.card-kicker { color: #aa8c50; font-size: .72rem; font-weight: 900; letter-spacing: .12em; }
.service-card h3, .legal-card h3, .pension-panel h3, .insurance-card h3, .location-notice h3 { font-family: Georgia, "Times New Roman", serif; font-weight: 500; }
.service-card h3 { font-size: 1.65rem; margin: 8px 0 10px; }
.service-card p { color: var(--muted); margin: 0 0 26px; }
.card-link { margin-top: auto; font-size: .86rem; font-weight: 800; }
.card-link b { color: var(--gold); font-size: 1rem; padding-left: 5px; }

.legal-section { background: #fff; }
.split-heading { display: grid; grid-template-columns: 1fr .85fr; gap: 70px; align-items: end; margin-bottom: 50px; }
.lead { margin: 0 0 12px; color: var(--muted); font-size: 1.12rem; }
.lead strong { color: var(--ink); }
.legal-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.legal-card { min-height: 285px; border-top: 1px solid #d7d0c4; padding: 26px 20px 20px 0; position: relative; }
.legal-number { position: absolute; top: 27px; right: 4px; color: #bfae8e; font-size: .72rem; letter-spacing: .12em; }
.line-icon { width: 54px; height: 54px; border-radius: 50%; display: grid; place-items: center; color: #8f6e31; background: #f3eee5; font-family: Georgia, serif; font-size: 1.4rem; }
.legal-card h3 { font-size: 2rem; margin: 55px 0 5px; }
.legal-card p { color: var(--muted); margin: 0; }

.pensions-section { position: relative; overflow: hidden; }
.pensions-section::after { content: ""; position: absolute; width: 550px; height: 550px; border-radius: 50%; right: -260px; top: 130px; border: 1px solid rgba(197,163,90,.13); box-shadow: 0 0 0 80px rgba(197,163,90,.02), 0 0 0 160px rgba(197,163,90,.015); }
.pensions-section .container { position: relative; z-index: 2; }
.pension-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 48px; }
.pension-panel { background: linear-gradient(145deg, rgba(255,255,255,.075), rgba(255,255,255,.025)); border: 1px solid rgba(255,255,255,.10); border-radius: 26px; padding: 32px; min-height: 395px; }
.panel-top { display: flex; align-items: center; justify-content: space-between; gap: 10px; }
.panel-badge { display: inline-flex; align-items: center; justify-content: center; min-width: 72px; height: 34px; border-radius: 999px; background: rgba(197,163,90,.13); border: 1px solid rgba(228,210,168,.18); color: var(--gold-light); font-size: .76rem; font-weight: 900; letter-spacing: .12em; }
.panel-index { color: #6d7d8f; font-size: .78rem; }
.pension-panel h3 { font-size: 2rem; margin: 25px 0 24px; }
.law-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.law-card { border: 1px solid rgba(255,255,255,.10); border-radius: 18px; background: rgba(255,255,255,.035); padding: 18px; }
.law-card small { display: block; color: #7f91a5; font-size: .72rem; letter-spacing: .10em; }
.law-card strong { display: block; color: #fff; margin-top: 4px; font-size: 1.05rem; }
.modalities-box { margin-top: 18px; border-left: 2px solid var(--gold); background: rgba(197,163,90,.06); padding: 16px 18px; }
.modalities-box span, .modalities-box strong { display: block; }
.modalities-box span { color: #a9b6c4; font-size: .82rem; }
.modalities-box strong { color: #f5f7f9; margin-top: 5px; }
.issste-list { display: grid; gap: 10px; }
.list-item { display: flex; align-items: center; gap: 13px; min-height: 58px; padding: 10px 14px; border: 1px solid rgba(255,255,255,.09); border-radius: 16px; }
.list-item span { width: 32px; height: 32px; border-radius: 50%; display: grid; place-items: center; background: rgba(197,163,90,.11); color: var(--gold-light); font-size: .72rem; }
.list-item strong { font-size: .96rem; }
.panel-note { color: #9dacbc; font-size: .92rem; margin-top: 20px; }
.location-notice { margin-top: 20px; border-radius: 24px; padding: 25px 28px; display: grid; grid-template-columns: auto 1fr auto; gap: 20px; align-items: center; background: #f4efe5; color: var(--ink); }
.notice-icon { width: 58px; height: 58px; border-radius: 18px; display: grid; place-items: center; color: #8b6b32; background: #e8ddc8; }
.notice-icon svg { width: 31px; height: 31px; }
.notice-label { font-size: .75rem; text-transform: uppercase; letter-spacing: .13em; color: #856a3d; font-weight: 900; }
.location-notice h3 { margin: 2px 0 0; font-size: 1.55rem; }
.location-notice p { margin: 2px 0 0; color: #66717f; }
.notice-pill { background: var(--navy); color: #fff; padding: 10px 14px; border-radius: 999px; font-size: .82rem; font-weight: 800; white-space: nowrap; }

.insurance-section { background: #f3f0ea; }
.insurance-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.insurance-card { min-height: 315px; background: #fff; border: 1px solid rgba(18,31,48,.09); border-radius: var(--radius); padding: 28px; box-shadow: 0 10px 30px rgba(9,22,38,.035); transition: .28s ease; }
.insurance-card:hover { transform: translateY(-7px); box-shadow: var(--shadow); }
.insurance-top { display: flex; justify-content: space-between; align-items: flex-start; }
.insurance-symbol { width: 62px; height: 62px; border-radius: 20px; display: grid; place-items: center; background: #f5f0e7; color: #8c6b32; }
.insurance-symbol svg { width: 34px; height: 34px; }
.text-symbol { font-size: .82rem; font-weight: 900; letter-spacing: .05em; }
.insurance-card h3 { font-size: 1.8rem; margin: 70px 0 8px; line-height: 1.15; }
.insurance-card p { color: var(--muted); margin: 0; }
.accent-card { background: var(--navy-2); color: #fff; }
.accent-card .insurance-symbol { background: rgba(197,163,90,.12); color: var(--gold-light); }
.accent-card p { color: #aeb9c7; }

.summary-section { background: var(--navy-3); color: #fff; padding: 85px 0; }
.summary-wrap { display: grid; grid-template-columns: .82fr 1.18fr; gap: 80px; align-items: center; }
.summary-wrap h2 { color: #fff; font-size: clamp(2.2rem, 4vw, 3.8rem); margin-bottom: 0; }
.summary-links { display: grid; gap: 10px; }
.summary-links a { border-bottom: 1px solid rgba(255,255,255,.12); padding: 16px 4px; display: grid; grid-template-columns: .75fr 1.25fr; gap: 20px; transition: padding-left .25s, border-color .25s; }
.summary-links a:hover { padding-left: 8px; border-color: rgba(228,210,168,.6); }
.summary-links span { color: var(--gold-light); font-size: .79rem; text-transform: uppercase; letter-spacing: .1em; }
.summary-links strong { font-size: .94rem; font-weight: 650; color: #edf1f5; }

.site-footer { background: #09121e; color: #fff; padding: 38px 0; border-top: 1px solid rgba(255,255,255,.06); }
.footer-grid { display: flex; align-items: center; justify-content: space-between; gap: 25px; }
.site-footer strong { font-family: Georgia, "Times New Roman", serif; font-size: 1.1rem; font-weight: 500; }
.site-footer p { color: #8090a2; font-size: .80rem; margin: 5px 0 0; }
.back-top { color: var(--gold-light); font-size: .82rem; font-weight: 750; }

.reveal { opacity: 1; transform: none; transition: opacity .7s ease, transform .7s ease; }
.reveal.motion-ready { opacity: 0; transform: translateY(24px); }
.reveal.motion-ready.in-view { opacity: 1; transform: translateY(0); }

@keyframes slowSpin { to { transform: rotate(360deg); } }
@keyframes slowSpinReverse { to { transform: rotate(-360deg); } }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}

@media (max-width: 980px) {
  .main-nav { position: fixed; top: 76px; left: 20px; right: 20px; display: grid; gap: 0; background: #101e2f; border: 1px solid rgba(255,255,255,.09); border-radius: 18px; padding: 10px; box-shadow: 0 25px 50px rgba(0,0,0,.3); transform: translateY(-12px); opacity: 0; visibility: hidden; transition: .25s ease; }
  .main-nav.open { transform: translateY(0); opacity: 1; visibility: visible; }
  .main-nav a { padding: 13px 12px; border-radius: 10px; }
  .main-nav a:hover { background: rgba(255,255,255,.05); }
  .menu-toggle { display: block; }
  .menu-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .menu-toggle.active span:nth-child(2) { opacity: 0; }
  .menu-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .hero-grid { grid-template-columns: 1fr; gap: 45px; }
  .hero-visual { min-height: 430px; }
  .service-grid, .legal-grid, .insurance-grid { grid-template-columns: 1fr 1fr; }
  .service-card:last-child, .legal-card:last-child, .insurance-card:last-child { grid-column: span 2; }
  .pension-layout { grid-template-columns: 1fr; }
  .summary-wrap { grid-template-columns: 1fr; gap: 35px; }
}

@media (max-width: 720px) {
  .container { width: min(100% - 28px, 1160px); }
  .section { padding: 78px 0; }
  .nav-wrap { height: 70px; }
  .main-nav { top: 70px; left: 14px; right: 14px; }
  .brand-copy small { display: none; }
  .hero { min-height: auto; }
  .hero-grid { padding-block: 72px 62px; }
  .hero h1 { font-size: clamp(2.75rem, 13vw, 4.5rem); }
  .hero-copy > p { font-size: .99rem; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-visual { min-height: 390px; transform: scale(.92); margin-inline: -12px; }
  .hero-card-main { width: 250px; min-height: 220px; padding: 28px 24px; }
  .orbit-one { width: 330px; height: 330px; }
  .orbit-two { width: 260px; height: 260px; }
  .mini-card { width: 200px; min-height: 70px; }
  .mini-card-a { left: 0; top: 48px; }
  .mini-card-b { right: 0; top: 165px; }
  .mini-card-c { left: 5px; bottom: 35px; }
  .section-heading h2 { font-size: clamp(2.25rem, 10vw, 3.3rem); }
  .service-grid, .legal-grid, .insurance-grid { grid-template-columns: 1fr; }
  .service-card:last-child, .legal-card:last-child, .insurance-card:last-child { grid-column: auto; }
  .service-card { min-height: 310px; }
  .split-heading { grid-template-columns: 1fr; gap: 18px; margin-bottom: 38px; }
  .legal-card { min-height: 240px; }
  .pension-panel { padding: 24px; }
  .law-grid { grid-template-columns: 1fr; }
  .location-notice { grid-template-columns: auto 1fr; padding: 22px; }
  .notice-pill { grid-column: 1 / -1; justify-self: start; }
  .summary-links a { grid-template-columns: 1fr; gap: 5px; }
  .footer-grid { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 430px) {
  .hero-visual { transform: scale(.82); margin-inline: -38px; min-height: 355px; }
  .hero-tags span { font-size: .70rem; }
  .brand-copy strong { font-size: .93rem; }
  .location-notice { grid-template-columns: 1fr; }
  .notice-icon { width: 52px; height: 52px; }
}