:root{
    --ink:#0E0F16;
    --paper:#F3F4F8;
    --white:#FFFFFF;
    --accent:#4258E0;
    --accent-deep:#1E2C8F;
    --accent-light:#7C8CF2;
    --accent-wash:#EBEEFA;
    --gold:#B8892B;
    --gold-deep:#8C6A1F;
    --gold-darker:#6E501A;
    --gold-wash:#FAF3E3;
    --rule:#DBDCE4;
    --muted:#585C6B;
    --maxw:1120px;
  }

  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  @media (prefers-reduced-motion: reduce){
    html{scroll-behavior:auto;}
    *{animation-duration:0.001ms !important; transition-duration:0.001ms !important;}
  }

  body{
    margin:0;
    background:
      repeating-linear-gradient(
        180deg,
        rgba(14,15,22,0.035) 0px,
        rgba(14,15,22,0.035) 1px,
        transparent 1px,
        transparent 34px
      ),
      var(--paper);
    color:var(--ink);
    font-family:'IBM Plex Sans', sans-serif;
    font-size:16px;
    line-height:1.6;
  }

  h1,h2,h3{
    font-family:'Fraunces', serif;
    font-weight:500;
    line-height:1.15;
    margin:0;
  }

  a{color:inherit;}

  .wrap{
    max-width:var(--maxw);
    margin:0 auto;
    padding:0 28px;
  }

  /* ---------- Header ---------- */
  header{
    position:sticky;
    top:0;
    z-index:50;
    background:var(--ink);
    color:var(--paper);
    border-bottom:1px solid rgba(241,244,239,0.12);
    box-shadow:0 3px 0 var(--gold);
    transform:translateY(0);
    transition:transform 0.3s ease;
  }
  header.header-hidden{transform:translateY(-100%);}
  .nav-row{
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:18px 28px;
    max-width:var(--maxw);
    margin:0 auto;
  }
  .logo{
    font-family:'Fraunces', serif;
    font-size:1.15rem;
    letter-spacing:0.01em;
  }
  .logo span{color:var(--accent);}
  .logo-link{
    display:flex;
    align-items:center;
    gap:12px;
    text-decoration:none;
    color:var(--paper);
  }
  .logo-mark{
    height:70px;
    width:auto;
    display:block;
  }
  .logo-text{
    font-family:'Fraunces', serif;
    font-size:1.15rem;
    letter-spacing:0.01em;
  }
  .logo-text span{color:var(--accent);}
  nav ul{
    list-style:none;
    display:flex;
    gap:32px;
    margin:0;
    padding:0;
  }
  nav a{
    position:relative;
    text-decoration:none;
    font-size:0.94rem;
    color:var(--paper);
    opacity:0.85;
    padding-bottom:3px;
    transition:opacity 0.15s ease;
  }
  nav a::after{
    content:"";
    position:absolute;
    left:0; right:100%;
    bottom:0;
    height:1px;
    background:var(--accent);
    transition:right 0.2s ease;
  }
  nav a:hover, nav a:focus-visible{opacity:1;}
  nav a:hover::after, nav a:focus-visible::after{right:0;}
  .nav-cta{
    display:inline-block;
    border:1px solid rgba(241,244,239,0.4);
    padding:8px 16px;
    font-size:0.9rem;
    text-decoration:none;
    color:var(--paper);
    white-space:nowrap;
  }
  .menu-btn{
    display:none;
    background:none;
    border:1px solid rgba(241,244,239,0.4);
    color:var(--paper);
    font-size:0.9rem;
    padding:8px 12px;
    cursor:pointer;
  }
  .nav-links-group{display:flex; align-items:center; gap:28px;}

  /* ---------- Hero ---------- */
  .hero{
    position:relative;
    background:var(--ink);
    color:var(--paper);
    padding:88px 0 72px;
    overflow:hidden;
  }
  .hero::before{
    content:"";
    position:absolute;
    top:-30%;
    right:-18%;
    width:78%;
    height:170%;
    background:
      radial-gradient(circle at 32% 28%, rgba(124,140,242,0.85), transparent 58%),
      radial-gradient(circle at 68% 55%, rgba(66,88,224,0.9), transparent 55%),
      radial-gradient(circle at 45% 85%, rgba(30,44,143,0.85), transparent 60%);
    -webkit-mask-image:linear-gradient(115deg, transparent 8%, black 42%);
    mask-image:linear-gradient(115deg, transparent 8%, black 42%);
    pointer-events:none;
    animation:heroGlow 16s ease-in-out infinite;
    transform-origin:60% 50%;
  }
  @keyframes heroGlow{
    0%, 100%{transform:translate(0, 0) scale(1) rotate(0deg);}
    50%{transform:translate(-2%, 3%) scale(1.06) rotate(3deg);}
  }
  .hero .wrap{position:relative; z-index:1;}
  .hero-grid{
    display:grid;
    grid-template-columns:1.15fr 0.85fr;
    gap:56px;
    align-items:start;
  }
  .hero-grid > *{min-width:0;}
  .hero h1{
    font-size:clamp(2.1rem, 3.6vw, 3.1rem);
    max-width:14ch;
    color:var(--white);
    opacity:0;
    animation:rise 0.7s ease forwards;
  }
  .hero p.lede{
    margin-top:22px;
    max-width:46ch;
    color:rgba(243,244,248,0.72);
    font-size:1.05rem;
    opacity:0;
    animation:rise 0.7s ease 0.12s forwards;
  }
  @keyframes rise{
    from{opacity:0; transform:translateY(10px);}
    to{opacity:1; transform:translateY(0);}
  }
  .hero-ctas{
    margin-top:32px;
    display:flex;
    gap:14px;
    flex-wrap:wrap;
  }
  .btn{
    position:relative;
    display:inline-block;
    padding:13px 26px;
    text-decoration:none;
    font-size:0.95rem;
    border:1px solid var(--ink);
    transition:background 0.18s ease, color 0.18s ease, transform 0.18s ease, box-shadow 0.18s ease;
  }
  .btn-primary{background:var(--ink); color:var(--paper);}
  .btn-primary:hover{background:var(--accent); border-color:var(--accent); color:var(--white); transform:translateY(-1px); box-shadow:0 4px 0 rgba(14,15,22,0.15);}
  .btn-primary:active{transform:translateY(0); box-shadow:none;}
  .btn-secondary{background:transparent; color:var(--ink);}
  .btn-secondary:hover{border-color:var(--accent); color:var(--accent); transform:translateY(-1px);}
  .btn-secondary:active{transform:translateY(0);}

  .hero .btn-primary{background:var(--accent); border-color:var(--accent); color:var(--white);}
  .hero .btn-primary:hover{background:var(--accent-light); border-color:var(--accent-light); color:var(--ink);}
  .hero .btn-secondary{border-color:rgba(243,244,248,0.4); color:var(--white);}
  .hero .btn-secondary:hover{border-color:var(--accent-light); color:var(--accent-light);}

  .ledger-card{
    position:relative;
    background:var(--white);
    color:var(--ink);
    border:1px solid var(--rule);
    border-top:3px solid var(--accent-deep);
    padding:30px 30px 8px;
    box-shadow:0 24px 48px -20px rgba(8,10,30,0.55);
  }
  .hero .ledger-card{
    animation:floatCard 6s ease-in-out infinite;
  }
  @keyframes floatCard{
    0%, 100%{transform:translateY(0);}
    50%{transform:translateY(-10px);}
  }
  .ledger-card h3{
    font-size:1.15rem;
    font-weight:600;
    letter-spacing:0.01em;
    margin-bottom:20px;
    color:var(--ink);
  }
  .stamp{
    position:absolute;
    top:-18px;
    right:-14px;
    width:78px;
    height:78px;
    border-radius:50%;
    border:1.5px solid var(--gold);
    display:flex;
    align-items:center;
    justify-content:center;
    text-align:center;
    background:var(--white);
    transform:rotate(9deg);
    font-family:'Fraunces', serif;
    font-size:0.62rem;
    line-height:1.25;
    letter-spacing:0.02em;
    color:var(--gold-deep);
    padding:6px;
  }
  .stamp::before{
    content:"";
    position:absolute;
    inset:6px;
    border:1px solid var(--gold);
    border-radius:50%;
    opacity:0.55;
  }
  .ledger-row{
    display:flex;
    justify-content:space-between;
    gap:16px;
    padding:14px 0;
    border-top:1px solid var(--rule);
    font-size:0.95rem;
  }
  .ledger-row:first-of-type{border-top:none;}
  .ledger-row .label{color:var(--muted); flex:none;}
  .ledger-row .value{
    font-family:'Fraunces', serif;
    font-weight:600;
    color:var(--ink);
    text-align:right;
    min-width:0;
    overflow-wrap:break-word;
  }

  /* ---------- Section shared ---------- */
  section{padding:76px 0;}
  .section-head{
    display:flex;
    justify-content:space-between;
    align-items:flex-end;
    gap:24px;
    margin-bottom:44px;
    padding-bottom:20px;
    border-bottom:1px solid var(--rule);
    box-shadow:0 6px 0 -4px var(--rule);
  }
  .section-head h2{font-size:clamp(1.6rem, 2.6vw, 2.1rem);}
  .section-head p{
    max-width:34ch;
    color:var(--muted);
    font-size:0.98rem;
    margin:0;
  }

  /* ---------- Products / Schedule of Cover ---------- */
  #products{background:var(--accent-wash); border-top:1px solid var(--rule); border-bottom:1px solid var(--rule);}
  .cover-row{
    display:grid;
    grid-template-columns:64px 1fr 200px;
    gap:24px;
    padding:30px 22px;
    margin:0 -22px;
    border-top:1px solid var(--rule);
    align-items:start;
    transition:background 0.2s ease;
  }
  .cover-row > *{min-width:0;}
  .cover-row:first-of-type{border-top:none;}
  .cover-row:hover{background:var(--paper);}
  .cover-num{
    font-family:'Fraunces', serif;
    font-size:1.5rem;
    color:var(--accent);
    font-weight:500;
    transition:transform 0.2s ease;
  }
  .cover-row:hover .cover-num{transform:translateX(3px);}
  .cover-body h3{font-size:1.25rem; margin-bottom:8px;}
  .cover-body p{margin:0; color:var(--muted); max-width:56ch;}
  .cover-links{
    display:flex;
    flex-direction:column;
    align-items:flex-start;
    gap:8px;
    padding-top:6px;
  }
  .cover-link{
    position:relative;
    text-decoration:none;
    font-size:0.92rem;
    border-bottom:1px solid var(--accent);
    padding-bottom:1px;
    color:var(--ink);
    transition:color 0.15s ease, border-color 0.15s ease;
  }
  .cover-link:hover{color:var(--accent); border-color:var(--ink);}

  /* ---------- About ---------- */
  #about{background:var(--accent-wash);}
  .about-grid{
    display:grid;
    grid-template-columns:0.9fr 1.1fr;
    gap:56px;
  }
  .about-grid > *{min-width:0;}
  .timeline{border-left:1px solid var(--rule); padding-left:26px;}
  .tl-item{position:relative; padding-bottom:34px;}
  .tl-item:last-child{padding-bottom:0;}
  .tl-item::before{
    content:"";
    position:absolute;
    left:-31px;
    top:6px;
    width:9px;
    height:9px;
    background:var(--accent-deep);
    border-radius:50%;
    box-shadow:0 0 0 4px var(--accent-wash), 0 0 0 5px var(--rule);
  }
  .tl-year{
    font-family:'Fraunces', serif;
    font-size:1.05rem;
    color:var(--accent-deep);
    display:block;
    margin-bottom:4px;
  }
  .tl-item p{margin:0; color:var(--ink); max-width:40ch;}
  .timeline .tl-item:nth-child(1)::before{background:var(--gold-deep);}
  .timeline .tl-item:nth-child(1) .tl-year{color:var(--gold-deep);}
  .timeline .tl-item:nth-child(2)::before{background:var(--accent-deep);}
  .timeline .tl-item:nth-child(2) .tl-year{color:var(--accent-deep);}
  .timeline .tl-item:nth-child(3)::before{background:var(--accent);}
  .timeline .tl-item:nth-child(3) .tl-year{color:var(--accent);}

  .about-copy p{color:var(--ink); max-width:52ch;}
  .about-copy p + p{margin-top:16px;}

  .why-list{
    margin-top:34px;
    display:flex;
    flex-direction:column;
  }
  .why-item{
    display:grid;
    grid-template-columns:170px 1fr;
    gap:20px;
    padding:18px 0;
    border-top:1px solid var(--rule);
    transition:padding-left 0.2s ease;
  }
  .why-item > *{min-width:0;}
  .why-item:first-child{border-top:1px solid var(--rule); margin-top:18px;}
  .why-item:hover{padding-left:8px;}
  .why-item h4{position:relative;}
  .why-item h4::before{
    content:"—";
    color:var(--accent-deep);
    margin-right:8px;
  }
  .why-item h4{
    font-family:'Fraunces', serif;
    font-weight:500;
    font-size:1.02rem;
    margin:0;
  }
  .why-item p{margin:0; color:var(--muted); font-size:0.96rem;}

  /* ---------- Contact ---------- */
  #contact{background:var(--gold-wash); border-top:1px solid var(--rule);}
  .contact-grid{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:56px;
  }
  .contact-grid > *{min-width:0;}
  .contact-details .ledger-row .value{text-align:right; font-family:'IBM Plex Sans', sans-serif; font-weight:600;}

  form{display:flex; flex-direction:column; gap:16px;}
  .field{display:flex; flex-direction:column; gap:6px;}
  .field label{font-size:0.88rem; color:var(--muted);}
  .field input, .field select, .field textarea{
    font-family:'IBM Plex Sans', sans-serif;
    font-size:0.98rem;
    padding:12px 14px;
    border:1px solid var(--rule);
    background:var(--white);
    color:var(--ink);
    transition:border-color 0.15s ease, background 0.15s ease;
  }
  .field textarea{resize:vertical; min-height:100px;}
  .field input:hover, .field select:hover, .field textarea:hover{border-color:#9aa69c;}
  .field input:focus, .field select:focus, .field textarea:focus{
    outline:none;
    border-color:var(--accent);
    background:var(--white);
  }
  .two-col-fields{display:grid; grid-template-columns:1fr 1fr; gap:16px;}
  .two-col-fields > *{min-width:0;}
  .submit-row{display:flex; align-items:center; gap:16px; margin-top:6px;}
  .form-note{font-size:0.88rem; color:var(--muted); display:none;}
  .form-note.show{display:block;}

  /* ---------- Footer ---------- */
  footer{
    background:var(--ink);
    color:var(--paper);
    padding:44px 0 30px;
    border-top:3px solid var(--accent-deep);
  }
  .footer-grid{
    display:flex;
    justify-content:space-between;
    flex-wrap:wrap;
    gap:24px;
    border-bottom:1px solid rgba(241,244,239,0.15);
    padding-bottom:28px;
  }
  .footer-grid nav ul{gap:24px;}
  .footer-bottom{
    padding-top:22px;
    display:flex;
    justify-content:space-between;
    flex-wrap:wrap;
    gap:10px;
    font-size:0.84rem;
    color:rgba(241,244,239,0.65);
  }

  /* focus visibility */
  a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible{
    outline:2px solid var(--accent);
    outline-offset:2px;
  }

  /* ---------- Responsive ---------- */
  @media (max-width: 860px){
    nav ul{display:none;}
    .menu-btn{display:inline-block;}
    .hero-grid{grid-template-columns:1fr; gap:36px;}
    .about-grid, .contact-grid{grid-template-columns:1fr; gap:40px;}
    .cover-row{grid-template-columns:44px 1fr; }
    .cover-links{grid-column:2 / 3;}
    .why-item{grid-template-columns:1fr; gap:6px;}
    .two-col-fields{grid-template-columns:1fr;}
  }

  @media (max-width: 860px){
    body.menu-open nav ul{
      display:flex;
      flex-direction:column;
      align-items:flex-start;
      position:fixed;
      top:64px;
      left:0;
      right:0;
      background:var(--ink);
      padding:20px 28px 28px;
      gap:18px;
      border-bottom:1px solid rgba(241,244,239,0.15);
    }
    .nav-cta-item{margin-top:4px;}
  }
  /* ---------- Quick actions ---------- */
  .quick-actions{
    background:var(--gold-wash);
    border-bottom:1px solid var(--rule);
  }
  .quick-actions .wrap{
    display:grid;
    grid-template-columns:repeat(4, 1fr);
  }
  .quick-item{
    display:flex;
    align-items:center;
    gap:14px;
    padding:24px 20px;
    text-decoration:none;
    color:var(--ink);
    border-left:1px solid var(--rule);
    transition:background 0.15s ease;
    min-width:0;
  }
  .quick-item:first-child{border-left:none;}
  .quick-item:hover{background:var(--white);}
  .quick-icon{
    flex:none;
    width:38px;
    height:38px;
    border-radius:50%;
    background:var(--gold-deep);
    color:var(--white);
    display:flex;
    align-items:center;
    justify-content:center;
    transition:background 0.15s ease;
  }
  .quick-item:hover .quick-icon{background:var(--accent);}
  .quick-icon svg{width:18px; height:18px;}
  .quick-text{display:flex; flex-direction:column; gap:2px; min-width:0;}
  .quick-text .quick-label{font-size:0.94rem; font-weight:600;}
  .quick-text .quick-sub{font-size:0.8rem; color:var(--muted); overflow-wrap:break-word;}

  /* ---------- Product tabs ---------- */
  .tab-row{
    display:inline-flex;
    gap:4px;
    margin-bottom:40px;
    padding:6px;
    background:var(--white);
    border:1px solid var(--rule);
    border-radius:999px;
  }
  .tab-btn{
    background:none;
    border:none;
    border-radius:999px;
    padding:12px 26px;
    font-family:'Fraunces', serif;
    font-weight:600;
    font-size:1.05rem;
    color:var(--muted);
    cursor:pointer;
    transition:color 0.18s ease, background 0.18s ease, box-shadow 0.18s ease;
  }
  .tab-btn:hover{color:var(--accent-deep);}
  .tab-btn.active{
    color:var(--white);
    background:var(--accent);
    box-shadow:0 10px 18px -8px rgba(30,44,143,0.55);
  }
  .tab-btn.active:hover{color:var(--white);}

  .tab-panel{display:none;}
  .tab-panel.active{display:block;}
  .product-subgroup + .product-subgroup{margin-top:48px;}
  .subgroup-heading{
    font-family:'Fraunces', serif;
    font-weight:500;
    font-size:1.02rem;
    color:var(--muted);
    text-transform:uppercase;
    letter-spacing:0.06em;
    margin-bottom:20px;
    padding-bottom:12px;
    border-bottom:1px solid var(--rule);
  }
  .product-grid{
    display:grid;
    grid-template-columns:repeat(auto-fill, minmax(280px, 1fr));
    gap:24px;
  }
  .product-grid.single-card{grid-template-columns:minmax(280px, 640px);}
  .product-card{
    background:var(--white);
    border:1px solid var(--rule);
    padding:28px 26px;
    display:flex;
    flex-direction:column;
    gap:14px;
    transition:transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  }
  .product-card:hover{
    transform:translateY(-4px);
    box-shadow:0 20px 30px -22px rgba(14,15,22,0.35);
    border-color:var(--accent);
  }
  .featured-card{
    max-width:640px;
    padding:34px 34px 30px;
  }
  .featured-card .product-icon{width:52px; height:52px;}
  .featured-card .product-icon svg{width:24px; height:24px;}
  .featured-card h3{font-size:1.3rem;}
  .featured-card > p{font-size:1rem;}
  .nested-fund{
    margin-top:10px;
    padding-top:24px;
    border-top:1px dashed var(--rule);
    display:flex;
    gap:16px;
    align-items:flex-start;
  }
  .nested-fund-icon{
    flex:none;
    width:36px;
    height:36px;
    border-radius:50%;
    background:var(--accent-wash);
    color:var(--accent-deep);
    display:flex;
    align-items:center;
    justify-content:center;
  }
  .nested-fund-icon svg{width:17px; height:17px;}
  .nested-fund-body{display:flex; flex-direction:column; gap:6px;}
  .nested-fund-label{
    font-size:0.72rem;
    font-weight:600;
    letter-spacing:0.06em;
    text-transform:uppercase;
    color:var(--muted);
  }
  .nested-fund-body h4{
    font-family:'Fraunces', serif;
    font-weight:500;
    font-size:1.05rem;
    margin:0;
  }
  .nested-fund-body > p{margin:0; color:var(--muted); font-size:0.92rem; max-width:44ch;}
  .nested-fund .product-card-links{flex-direction:row; flex-wrap:wrap; margin-top:6px;}
  .nested-fund .product-card-links a.link-text{flex-basis:100%; margin-top:6px;}
  .product-card:hover .product-icon{background:var(--accent-deep);}
  .product-icon{
    width:46px;
    height:46px;
    border-radius:50%;
    background:var(--accent);
    color:var(--white);
    display:flex;
    align-items:center;
    justify-content:center;
    transition:background 0.18s ease;
  }
  .product-icon svg{width:22px; height:22px;}
  .product-card h3{font-size:1.15rem;}
  .product-card p{margin:0; color:var(--muted); font-size:0.95rem; flex-grow:1;}
  .life-card h3{font-weight:500; text-transform:uppercase; letter-spacing:0.03em; color:var(--ink);}
  .life-card p{font-weight:400; color:var(--ink);}
  .product-card-links{
    display:flex;
    flex-direction:column;
    gap:8px;
    margin-top:4px;
  }
  .product-card-links a{
    display:inline-flex;
    align-items:center;
    gap:8px;
    text-decoration:none;
    font-size:0.9rem;
    font-weight:700;
    letter-spacing:0.01em;
    color:var(--white);
    background:var(--gold-deep);
    border:none;
    border-radius:999px;
    align-self:flex-start;
    padding:10px 18px;
    box-shadow:0 8px 16px -8px rgba(140,106,31,0.6);
    transition:background 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease, gap 0.15s ease;
  }
  .product-card-links a::after{
    content:"→";
    transition:transform 0.15s ease;
  }
  .product-card-links a:hover{
    background:var(--gold-darker);
    transform:translateY(-2px);
    box-shadow:0 12px 20px -8px rgba(110,80,26,0.7);
  }
  .product-card-links a:hover::after{transform:translateX(3px);}

  a.link-text{
    display:inline-flex;
    align-items:center;
    gap:6px;
    text-decoration:none;
    font-size:0.88rem;
    font-weight:600;
    letter-spacing:normal;
    color:var(--accent-deep);
    background:none;
    border:none;
    border-bottom:1px solid var(--accent-deep);
    border-radius:0;
    padding:0 0 1px;
    box-shadow:none;
    align-self:flex-start;
    transition:color 0.15s ease, border-color 0.15s ease, gap 0.15s ease;
  }
  a.link-text::after{content:"→"; transition:transform 0.15s ease;}
  a.link-text:hover{
    background:none;
    color:var(--accent);
    border-color:var(--accent);
    transform:none;
    box-shadow:none;
  }
  a.link-text:hover::after{transform:translateX(3px);}

  /* ---------- Page routing (single-file, multi-page feel) ---------- */
  main > .page{display:none;}
  main > .page.active{display:block;}

  /* ---------- Product detail pages ---------- */
  .product-hero{
    position:relative;
    background:var(--ink);
    color:var(--paper);
    padding:52px 0 46px;
    overflow:hidden;
  }
  .product-hero::before{
    content:"";
    position:absolute;
    top:-40%;
    right:-10%;
    width:56%;
    height:180%;
    background:
      radial-gradient(circle at 40% 35%, rgba(124,140,242,0.6), transparent 60%),
      radial-gradient(circle at 65% 60%, rgba(66,88,224,0.65), transparent 58%);
    -webkit-mask-image:linear-gradient(115deg, transparent 20%, black 55%);
    mask-image:linear-gradient(115deg, transparent 20%, black 55%);
    pointer-events:none;
  }
  .product-hero .wrap{position:relative; z-index:1;}
  .breadcrumb{font-size:0.85rem; color:rgba(243,244,248,0.6); margin-bottom:16px;}
  .breadcrumb a{color:rgba(243,244,248,0.85); text-decoration:none; border-bottom:1px solid rgba(243,244,248,0.35); padding-bottom:1px;}
  .breadcrumb a:hover{color:var(--accent-light); border-color:var(--accent-light);}
  .breadcrumb .sep{margin:0 8px; opacity:0.5;}
  .product-hero h1{font-size:clamp(1.7rem, 3vw, 2.3rem); color:var(--white); max-width:22ch;}
  .product-hero p.lede{margin-top:16px; max-width:54ch; color:rgba(243,244,248,0.75); font-size:1.02rem;}
  .product-hero .hero-ctas{margin-top:26px;}
  .product-hero .btn-primary{background:var(--accent); border-color:var(--accent); color:var(--white);}
  .product-hero .btn-primary:hover{background:var(--accent-light); border-color:var(--accent-light); color:var(--ink);}
  .product-hero .btn-secondary{border-color:rgba(243,244,248,0.4); color:var(--white);}
  .product-hero .btn-secondary:hover{border-color:var(--accent-light); color:var(--accent-light);}

  .product-detail{background:var(--paper);}
  .product-detail-grid{
    display:grid;
    grid-template-columns:1.4fr 0.9fr;
    gap:56px;
    align-items:start;
  }
  .product-detail-grid > *{min-width:0;}
  .product-detail-main h2{font-size:1.35rem; margin-bottom:16px;}
  .product-detail-main > * + h2{margin-top:46px;}
  .product-detail-main p{color:var(--ink); max-width:62ch; margin:0;}
  .product-detail-main p + p{margin-top:14px;}

  .why-list.compact{margin-top:18px;}
  .why-list.compact .why-item:first-child{margin-top:0;}

  .step-list{list-style:none; margin:18px 0 0; padding:0;}
  .step-item{
    display:grid;
    grid-template-columns:40px 1fr;
    gap:18px;
    padding:18px 0;
    border-top:1px solid var(--rule);
  }
  .step-item > *{min-width:0;}
  .step-item:first-child{border-top:none; padding-top:0;}
  .step-num{
    font-family:'Fraunces', serif;
    font-size:1.25rem;
    font-weight:500;
    color:var(--accent);
  }
  .step-item h4{
    font-family:'Fraunces', serif;
    font-weight:500;
    font-size:1.02rem;
    margin:0 0 4px;
  }
  .step-item p{margin:0; color:var(--muted); font-size:0.96rem;}

  .product-detail-aside{
    display:flex;
    flex-direction:column;
    gap:22px;
  }
  .product-detail-aside .ledger-card{box-shadow:none;}
  .aside-cta{
    background:var(--white);
    border:1px solid var(--rule);
    border-top:3px solid var(--gold-deep);
    padding:26px;
  }
  .aside-cta h3{
    font-family:'Fraunces', serif;
    font-weight:500;
    font-size:1.05rem;
    margin-bottom:10px;
  }
  .aside-cta p{color:var(--muted); font-size:0.92rem; margin:0 0 18px;}
  .aside-cta .btn{width:100%; text-align:center; box-sizing:border-box;}

  /* ---------- Fund spotlight (prominent in-page callout) ---------- */
  .fund-spotlight{
    display:flex;
    gap:24px;
    align-items:flex-start;
    background:var(--ink);
    border:1px solid var(--rule);
    border-top:3px solid var(--gold);
    padding:32px;
    margin:28px 0 8px;
  }
  .fund-spotlight-icon{
    flex:none;
    width:56px;
    height:56px;
    border-radius:50%;
    background:var(--gold);
    color:var(--ink);
    display:flex;
    align-items:center;
    justify-content:center;
  }
  .fund-spotlight-icon svg{width:26px; height:26px;}
  .fund-spotlight-tag{
    display:inline-block;
    font-size:0.72rem;
    font-weight:700;
    letter-spacing:0.08em;
    text-transform:uppercase;
    color:var(--gold);
    margin-bottom:6px;
  }
  .fund-spotlight-body h3{font-size:1.25rem; margin-bottom:8px; color:var(--white);}
  .fund-spotlight-body > p{margin:0 0 16px; color:rgba(243,244,248,0.75); max-width:56ch;}
  .fund-spotlight .product-card-links{flex-direction:row; flex-wrap:wrap;}
  .fund-spotlight .product-card-links a.link-text{flex-basis:100%; margin-top:6px; color:var(--accent-light); border-color:var(--accent-light);}
  .fund-spotlight .product-card-links a.link-text:hover{color:var(--white); border-color:var(--white);}
  @media (max-width: 600px){
    .fund-spotlight{flex-direction:column;}
  }

  /* ---------- Corporate pages: legal TOC ---------- */
  .legal-toc{display:flex; flex-direction:column; gap:2px;}
  .legal-toc a{
    display:block;
    padding:10px 14px;
    font-size:0.9rem;
    color:var(--ink);
    text-decoration:none;
    border-left:2px solid transparent;
    transition:border-color 0.15s ease, background 0.15s ease, color 0.15s ease;
  }
  .legal-toc a:hover{background:var(--accent-wash); border-left-color:var(--accent); color:var(--accent-deep);}
  .legal-note{
    margin-top:44px;
    padding-top:20px;
    border-top:1px dashed var(--rule);
    color:var(--muted);
    font-size:0.88rem;
    max-width:62ch;
  }

  /* ---------- Corporate pages: insight cards ---------- */
  .insight-grid{
    display:grid;
    grid-template-columns:repeat(auto-fill, minmax(280px, 1fr));
    gap:24px;
  }
  .insight-card{
    background:var(--white);
    border:1px solid var(--rule);
    padding:26px 24px;
    display:flex;
    flex-direction:column;
    gap:10px;
    transition:transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  }
  .insight-card:hover{
    transform:translateY(-4px);
    box-shadow:0 20px 30px -22px rgba(14,15,22,0.35);
    border-color:var(--accent);
  }
  .insight-tag{
    font-size:0.72rem;
    font-weight:600;
    letter-spacing:0.06em;
    text-transform:uppercase;
    color:var(--gold-deep);
  }
  .insight-card h3{font-size:1.08rem;}
  .insight-card p{margin:0; color:var(--muted); font-size:0.95rem;}
  .insight-note{
    margin-top:36px;
    padding:22px 24px;
    background:var(--white);
    border:1px solid var(--rule);
    border-left:3px solid var(--accent);
    color:var(--muted);
    font-size:0.95rem;
  }
  .insight-note a{color:var(--accent-deep); border-bottom:1px solid var(--accent-deep); text-decoration:none;}
  .insight-note a:hover{color:var(--accent);}

  /* ---------- Corporate pages: adviser profile ---------- */
  .adviser-card{
    display:flex;
    gap:22px;
    align-items:flex-start;
    background:var(--white);
    border:1px solid var(--rule);
    border-top:3px solid var(--gold-deep);
    padding:28px;
    margin-top:18px;
  }
  .adviser-avatar{
    flex:none;
    width:64px;
    height:64px;
    border-radius:50%;
    background:var(--ink);
    color:var(--gold);
    display:flex;
    align-items:center;
    justify-content:center;
    font-family:'Fraunces', serif;
    font-weight:600;
    font-size:1.2rem;
  }
  .adviser-body h4{
    font-family:'Fraunces', serif;
    font-weight:500;
    font-size:1.1rem;
    margin:0 0 2px;
  }
  .adviser-role{
    display:block;
    font-size:0.85rem;
    color:var(--gold-deep);
    font-weight:600;
    margin-bottom:10px;
  }
  .adviser-body p{margin:0; color:var(--muted); font-size:0.95rem; max-width:56ch;}

  /* ---------- Corporate pages: comparison box ---------- */
  .compare-box{
    margin-top:18px;
    border:1px solid var(--rule);
    background:var(--white);
  }
  .compare-row{
    display:grid;
    grid-template-columns:1fr 1fr;
  }
  .compare-row + .compare-row{border-top:1px solid var(--rule);}
  .compare-cell{padding:16px 18px; font-size:0.92rem;}
  .compare-cell:first-child{border-right:1px solid var(--rule); color:var(--accent-deep); font-weight:600;}
  .compare-cell:last-child{color:var(--muted);}
  .compare-row.compare-head .compare-cell{
    font-family:'Fraunces', serif;
    font-weight:500;
    color:var(--ink);
    background:var(--paper);
  }

  /* ---------- Footer expanded ---------- */
  .footer-cols{
    display:grid;
    grid-template-columns:1.1fr 0.9fr 0.9fr 0.9fr 0.9fr;
    gap:28px;
    padding-bottom:32px;
    border-bottom:1px solid rgba(243,244,248,0.15);
  }
  .footer-cols h5{
    font-family:'Fraunces', serif;
    font-weight:500;
    font-size:0.98rem;
    margin:0 0 16px;
    color:var(--paper);
  }
  .footer-cols ul{list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:10px;}
  .footer-cols a{
    text-decoration:none;
    color:rgba(243,244,248,0.72);
    font-size:0.9rem;
    transition:color 0.15s ease;
  }
  .footer-cols a:hover{color:var(--accent-light);}
  .footer-about p{
    color:rgba(243,244,248,0.72);
    font-size:0.9rem;
    max-width:32ch;
    margin:0;
  }

  @media (max-width: 860px){
    .quick-actions .wrap{grid-template-columns:1fr 1fr;}
    .quick-item{border-left:none; border-top:1px solid var(--rule);}
    .quick-item:nth-child(1), .quick-item:nth-child(2){border-top:none;}
    .footer-cols{grid-template-columns:1fr 1fr;}
    .product-detail-grid{grid-template-columns:1fr;}
  }

  .social-grid{
    display:grid;
    grid-template-columns:repeat(auto-fill, minmax(240px, 1fr));
    gap:24px;
    margin-top:20px;
  }
  .social-card{
    background:var(--white);
    border:1px solid var(--rule);
    overflow:hidden;
    display:flex;
    flex-direction:column;
    transition:transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  }
  .social-card:hover{
    transform:translateY(-3px);
    box-shadow:0 14px 30px rgba(14,15,22,0.10);
    border-color:var(--accent-light);
  }
  .social-card img{
    display:block;
    width:100%;
    height:auto;
  }
  .social-card-caption{
    padding:16px 18px;
    font-size:0.9rem;
    color:var(--muted);
  }
  .social-section-head{
    margin-top:48px;
    padding-top:36px;
    border-top:1px solid var(--rule);
  }