:root{
    --ink:#171A1E; --ink-soft:#2B2F35; --paper:#EFEBE0; --card:#FFFFFF; --card-line:#E4DECD;
    --muted:#5B5E56; --gold:#C6952C; --gold-deep:#9C7620; --teal:#2E6E63; --teal-soft:#E4EEEC;
    --header-bg:#171A1E; --header-fg:#EFEBE0; --shadow-line: rgba(23,26,30,0.10);
    --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  }
  :root:not([data-theme="light"]){
    @media (prefers-color-scheme: dark){
      --ink:#EFEBE0; --ink-soft:#D8D2BF; --paper:#15171B; --card:#1D2025; --card-line:#31353B;
      --muted:#A7A79A; --gold:#D8AA46; --gold-deep:#E6BD5E; --teal:#5FA396; --teal-soft:#1C2A28;
      --header-bg:#0E0F12; --header-fg:#EFEBE0; --shadow-line: rgba(0,0,0,0.35);
    }
  }
  :root[data-theme="dark"]{
    --ink:#EFEBE0; --ink-soft:#D8D2BF; --paper:#15171B; --card:#1D2025; --card-line:#31353B;
    --muted:#A7A79A; --gold:#D8AA46; --gold-deep:#E6BD5E; --teal:#5FA396; --teal-soft:#1C2A28;
    --header-bg:#0E0F12; --header-fg:#EFEBE0; --shadow-line: rgba(0,0,0,0.35);
  }
  *{box-sizing:border-box;}
  html,body{margin:0;padding:0;}
  body{background:var(--paper); color:var(--ink); font-family:var(--font-body); line-height:1.5; -webkit-font-smoothing:antialiased;}
  a{color:inherit; text-decoration:none;}
  .wrap{max-width:1160px; margin:0 auto; padding:0 28px;}
  @media (max-width:640px){ .wrap{padding:0 18px;} }

  header.site{background:var(--header-bg); color:var(--header-fg); position:sticky; top:0; z-index:50; border-bottom:1px solid rgba(239,235,224,0.08);}
  .header-row{display:flex; align-items:center; justify-content:space-between; padding:18px 0; gap:24px;}
  .logo{font-family:var(--font-display); font-size:24px; font-weight:600; display:flex; align-items:center; gap:9px; flex-shrink:0;}
  .logo .mark{width:30px; height:30px; border-radius:50%; background:var(--gold); display:flex; align-items:center; justify-content:center; color:var(--header-bg); font-weight:700; font-size:13px; font-family:var(--font-body);}
  nav.primary{display:flex; gap:6px; font-size:14.5px; font-weight:500; color:#C9C6BA; align-items:center;}
  .nav-item{position:relative;}
  .nav-link{background:none; border:none; cursor:pointer; color:#C9C6BA; font-family:var(--font-body); font-size:14.5px; font-weight:500; padding:10px 12px; border-radius:4px; display:flex; align-items:center; gap:5px;}
  .nav-link::after{content:"▾"; font-size:10px; opacity:.6; transform:translateY(1px);}
  .nav-link-plain{padding:10px 12px; display:inline-block;}
  .nav-link-plain::after{content:none;}
  .nav-link:hover, .nav-link-plain:hover{color:var(--header-fg); background:rgba(239,235,224,0.06);}
  .nav-link.active{color:var(--header-fg); background:rgba(198,149,44,0.16);}
  .dropdown{position:absolute; top:calc(100% + 6px); left:0; background:var(--card); border:1px solid var(--card-line); border-radius:6px; min-width:220px; padding:8px; box-shadow:0 12px 28px rgba(0,0,0,0.18); opacity:0; visibility:hidden; transform:translateY(6px); transition:opacity .15s ease, transform .15s ease, visibility .15s; z-index:60;}
  .nav-item:hover .dropdown, .nav-item.open .dropdown{opacity:1; visibility:visible; transform:translateY(0);}
  .dropdown a{display:block; padding:9px 10px; border-radius:4px; font-size:14px; color:var(--ink); font-weight:500;}
  .dropdown a:hover{background:var(--teal-soft); color:var(--teal);}
  .dd-divider{height:1px; background:var(--card-line); margin:6px 4px;}
  .dd-viewall{color:var(--teal) !important; font-weight:600 !important;}
  .nav-item-mega{position:static;}
  .mega-menu{position:absolute; top:calc(100% + 6px); left:0; right:0; max-width:1160px; margin:0 auto; background:var(--card); border:1px solid var(--card-line); border-radius:8px; padding:20px; display:grid; grid-template-columns:repeat(5,1fr); gap:4px; box-shadow:0 16px 32px rgba(0,0,0,0.2); opacity:0; visibility:hidden; transform:translateY(6px); transition:opacity .15s ease, transform .15s ease, visibility .15s; z-index:60;}
  .nav-item-mega:hover .mega-menu, .nav-item-mega.open .mega-menu{opacity:1; visibility:visible; transform:translateY(0);}
  .mega-item{display:flex; flex-direction:column; gap:2px; padding:11px 12px; border-radius:5px;}
  .mega-item:hover{background:var(--teal-soft);}
  .mega-item .mi-title{font-size:14px; font-weight:600; color:var(--ink);}
  .mega-item:hover .mi-title{color:var(--teal);}
  .mega-item .mi-sub{font-size:12px; color:var(--muted);}
  @media (max-width:1100px){ .mega-menu{grid-template-columns:repeat(3,1fr);} }
  .mobile-panel{display:none; position:fixed; top:0; right:-100%; width:min(320px,85vw); height:100vh; background:var(--header-bg); z-index:100; padding:80px 22px 22px; overflow-y:auto; transition:right .25s ease; box-shadow:-8px 0 30px rgba(0,0,0,0.3);}
  .mobile-panel.open{right:0;}
  .mp-section{margin-bottom:22px;}
  .mp-head{color:var(--header-fg); font-weight:600; font-size:13.5px; margin-bottom:8px;}
  .mp-section a{display:block; padding:8px 0; color:#B9B6AA; font-size:14px; border-bottom:1px solid rgba(239,235,224,0.08);}
  .header-actions{display:flex; align-items:center; gap:16px; flex-shrink:0;}
  .search-pill{display:flex; align-items:center; gap:8px; background:rgba(239,235,224,0.08); border:1px solid rgba(239,235,224,0.16); border-radius:20px; padding:8px 14px; font-size:13.5px; color:#B9B6AA; min-width:170px;}
  .btn{display:inline-block; padding:10px 18px; border-radius:3px; font-size:14px; font-weight:600; cursor:pointer; border:1px solid transparent;}
  .btn-gold{background:var(--gold); color:#1B1500;}
  .nav-toggle{display:none;}
  @media (max-width:900px){ nav.primary, .search-pill{display:none;} .nav-toggle{display:block; font-size:22px; background:none; border:none; color:var(--header-fg); cursor:pointer;} .mobile-panel{display:block;} }

  .breadcrumb{padding:20px 0 0; font-size:13px; color:var(--muted); display:flex; gap:8px; align-items:center;}
  .breadcrumb .sep{opacity:.5;}
  .breadcrumb .current{color:var(--ink); font-weight:600;}

  /* ---------- ABOUT HERO ---------- */
  .about-hero{padding:30px 0 20px; max-width:70ch;}
  .about-hero .eyebrow{font-size:13px; color:var(--teal); font-weight:600; margin-bottom:12px; display:flex; align-items:center; gap:8px;}
  .about-hero .eyebrow::before{content:""; width:7px; height:7px; border-radius:50%; background:var(--teal);}
  .about-hero h1{font-family:var(--font-display); font-size:clamp(32px,4.5vw,48px); font-weight:600; margin:0 0 18px; line-height:1.1;}
  .about-hero p{font-size:16.5px; color:var(--ink-soft); line-height:1.75; margin:0 0 16px;}

  .section{padding:46px 0;}
  .section-head{margin-bottom:24px;}
  .section-head h2{font-family:var(--font-display); font-size:clamp(22px,3vw,28px); font-weight:600; margin:0;}
  .section-head p{color:var(--muted); font-size:14.5px; margin:6px 0 0; max-width:58ch;}

  /* ---------- WHY / VALUES 3-COL ---------- */
  .values-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:22px;}
  @media (max-width:820px){ .values-grid{grid-template-columns:1fr;} }
  .value-card{background:var(--card); border:1px solid var(--card-line); border-radius:8px; padding:22px;}
  .value-card .v-icon{width:38px; height:38px; border-radius:50%; border:1.5px solid var(--gold); display:flex; align-items:center; justify-content:center; font-family:var(--font-display); color:var(--gold-deep); font-weight:700; margin-bottom:14px;}
  .value-card h3{font-family:var(--font-display); font-size:17px; margin:0 0 8px; font-weight:600;}
  .value-card p{font-size:13.5px; color:var(--muted); margin:0; line-height:1.65;}

  /* ---------- MONEY DISCLOSURE ---------- */
  .money-block{
    display:grid; grid-template-columns:1fr 1fr; gap:36px; align-items:center;
    background:var(--card); border:1px solid var(--card-line); border-radius:10px; padding:34px;
  }
  @media (max-width:820px){ .money-block{grid-template-columns:1fr;} }
  .money-block h2{font-family:var(--font-display); font-size:24px; margin:0 0 12px; font-weight:600;}
  .money-block p{font-size:14.5px; color:var(--muted); line-height:1.7; margin:0 0 10px;}
  .money-stat{border-top:1px solid var(--card-line); padding-top:16px; margin-top:6px;}
  .money-stat .ms-row{display:flex; justify-content:space-between; font-size:13.5px; padding:8px 0; border-bottom:1px solid var(--card-line);}
  .money-stat .ms-row:last-child{border-bottom:none;}
  .money-stat .ms-row span:first-child{color:var(--muted);}
  .money-stat .ms-row span:last-child{font-weight:600;}

  /* ---------- TRUST STRIP (shared) ---------- */
  .trust-strip{border-top:1px solid var(--card-line); border-bottom:1px solid var(--card-line); padding:26px 0;}
  .trust-row{display:flex; flex-wrap:wrap; gap:36px; justify-content:space-between;}
  .trust-item{flex:1; min-width:150px;}
  .trust-item .n{font-family:var(--font-display); font-size:26px; font-weight:600;}
  .trust-item .l{font-size:13px; color:var(--muted);}

  /* ---------- TEAM PREVIEW STRIP ---------- */
  .team-preview{display:flex; gap:20px; flex-wrap:wrap; align-items:center;}
  .team-preview .avatars{display:flex;}
  .team-preview .avatar{
    width:52px; height:52px; border-radius:50%; background:var(--teal-soft); color:var(--teal);
    display:flex; align-items:center; justify-content:center; font-family:var(--font-display); font-weight:600;
    border:3px solid var(--paper); margin-left:-14px; font-size:16px;
  }
  .team-preview .avatars .avatar:first-child{margin-left:0;}
  .team-preview p{font-size:14px; color:var(--muted); margin:0; flex:1; min-width:220px;}
  .team-preview .see-team{font-size:14px; font-weight:600; color:var(--teal); flex-shrink:0;}

  footer{background:var(--header-bg); color:#B9B6AA; padding:56px 0 26px; margin-top:40px;}
  .footer-grid{display:grid; grid-template-columns:1.4fr repeat(4,1fr); gap:30px; padding-bottom:36px; border-bottom:1px solid rgba(239,235,224,0.1);}
  @media (max-width:820px){ .footer-grid{grid-template-columns:1fr 1fr;} }
  .footer-grid .f-logo{font-family:var(--font-display); color:var(--header-fg); font-size:20px; font-weight:600; margin-bottom:10px;}
  .footer-grid p{font-size:13.5px; line-height:1.6; max-width:34ch;}
  .footer-grid h5{color:var(--header-fg); font-size:13.5px; font-weight:600; margin:0 0 14px;}
  .footer-grid ul{list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:9px;}
  .footer-grid a{font-size:13.5px;}
  .footer-bottom{display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:12px; padding-top:22px; font-size:12.5px; color:#8C8A7E;}
  .disclosure{background:rgba(239,235,224,0.06); border:1px solid rgba(239,235,224,0.12); border-radius:6px; padding:14px 18px; font-size:12.5px; color:#B9B6AA; margin-top:26px; line-height:1.6;}

  /* ---------- LEGAL PAGE ---------- */
  .legal-hero{padding:28px 0 4px; max-width:70ch;}
  .legal-hero .eyebrow{font-size:13px; color:var(--teal); font-weight:600; margin-bottom:10px;}
  .legal-hero h1{font-family:var(--font-display); font-size:clamp(28px,4vw,40px); font-weight:600; margin:0 0 8px; line-height:1.1;}
  .legal-hero .updated{font-size:13px; color:var(--muted);}
  .legal-body{max-width:74ch; padding:30px 0 60px;}
  .legal-body h2{font-family:var(--font-display); font-size:20px; font-weight:600; margin:34px 0 12px;}
  .legal-body h2:first-child{margin-top:0;}
  .legal-body p{font-size:14.5px; color:var(--ink-soft); line-height:1.75; margin:0 0 14px;}
  .legal-body ul{margin:0 0 14px; padding-left:20px;}
  .legal-body li{font-size:14.5px; color:var(--ink-soft); line-height:1.75; margin-bottom:6px;}
  .legal-body a{color:var(--teal); font-weight:600;}
  .legal-toc{
    background:var(--card); border:1px solid var(--card-line); border-radius:8px;
    padding:18px 22px; margin:26px 0 36px; font-size:13.5px;
  }
  .legal-toc .toc-title{font-weight:600; margin-bottom:10px; color:var(--ink);}
  .legal-toc ol{margin:0; padding-left:18px;}
  .legal-toc li{margin-bottom:5px;}
  .legal-toc a{color:var(--muted); font-weight:500;}
  .legal-toc a:hover{color:var(--teal);}