@font-face{font-family:'Fraunces';font-style:normal;font-weight:400;font-display:swap;src:url(fonts/Fraunces-400.woff2) format('woff2')}
@font-face{font-family:'Fraunces';font-style:normal;font-weight:500;font-display:swap;src:url(fonts/Fraunces-500.woff2) format('woff2')}
@font-face{font-family:'Fraunces';font-style:normal;font-weight:600;font-display:swap;src:url(fonts/Fraunces-600.woff2) format('woff2')}
@font-face{font-family:'Fraunces';font-style:normal;font-weight:700;font-display:swap;src:url(fonts/Fraunces-700.woff2) format('woff2')}
@font-face{font-family:'Inter';font-style:normal;font-weight:400;font-display:swap;src:url(fonts/Inter-400.woff2) format('woff2')}
@font-face{font-family:'Inter';font-style:normal;font-weight:500;font-display:swap;src:url(fonts/Inter-500.woff2) format('woff2')}
@font-face{font-family:'Inter';font-style:normal;font-weight:600;font-display:swap;src:url(fonts/Inter-600.woff2) format('woff2')}
@font-face{font-family:'Inter';font-style:normal;font-weight:700;font-display:swap;src:url(fonts/Inter-700.woff2) format('woff2')}

:root{
  --navy:#0d2438; --green:#0f3d33; --green-2:#16574a;
  --gold:#c8a44d; --gold-soft:#e6d3a3;
  --ink:#1a2630; --muted:#5d6b76; --line:#e6e9ec;
  --bg:#ffffff; --bg-soft:#f6f8f7; --bg-dark:#0b1f2e;
  --serif:"Fraunces","Georgia","Times New Roman",serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.2;color:var(--navy)}
a{color:inherit;text-decoration:none}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
.accent{color:var(--gold)}
.btn{display:inline-block;padding:14px 26px;border-radius:4px;font-weight:600;font-size:15px;transition:.2s;cursor:pointer;border:1px solid transparent}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{background:var(--gold-soft)}
.btn-ghost{border-color:rgba(255,255,255,.5);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-outline{border-color:var(--green);color:var(--green)}
.btn-outline:hover{background:var(--bg-soft)}
.eyebrow{font-family:var(--sans);text-transform:uppercase;letter-spacing:.18em;font-size:12px;font-weight:700;color:var(--gold)}

/* NAV */
header.nav{position:sticky;top:0;z-index:50;background:rgba(13,36,56,.97);backdrop-filter:blur(6px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{font-family:var(--serif);font-size:20px;color:#fff;font-weight:600;letter-spacing:.02em}
.brand small{font-size:13px;color:#8ea2ae;font-family:var(--sans);letter-spacing:.04em}
.brand .accent{color:var(--gold)}
.nav nav{display:flex;gap:26px;align-items:center}
.nav nav a{color:#dfe6ea;font-size:14.5px}
.nav nav a:hover,.nav nav a.active{color:var(--gold)}
.nav .btn{padding:9px 18px;font-size:13.5px}
@media(max-width:1024px){.nav nav a:not(.btn){display:none}}

/* HERO (home) */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--green) 100%);color:#fff;padding:96px 0 84px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(200,164,77,.18),transparent 70%)}
.hero h1{color:#fff;font-size:54px;max-width:14ch}
.hero p.lead{font-size:20px;color:#cdd8de;max-width:60ch;margin:24px 0 8px}
.hero p.lead-en{font-size:15px;color:#94a6b1;font-style:italic;max-width:60ch;margin-bottom:30px}
.hero .cta{display:flex;gap:14px;flex-wrap:wrap}
.trust-strip{margin-top:44px;display:flex;flex-wrap:wrap;gap:10px 28px;font-size:13.5px;color:#b9c6cf}
.trust-strip span{display:flex;align-items:center;gap:8px}
.trust-strip span:before{content:"\2726";color:var(--gold);font-size:12px}
@media(max-width:720px){.hero h1{font-size:38px}.hero{padding:64px 0 56px}}

/* SUBHERO (inner pages) */
.subhero{background:linear-gradient(160deg,var(--navy) 0%,var(--green) 100%);color:#fff;padding:64px 0 56px}
.subhero h1{color:#fff;font-size:42px;max-width:18ch}
.subhero p{color:#cdd8de;font-size:18px;max-width:62ch;margin-top:16px}
.breadcrumb{font-size:13px;color:#8ea2ae;margin-bottom:14px}
.breadcrumb a:hover{color:var(--gold)}
@media(max-width:720px){.subhero h1{font-size:32px}}

/* SECTION */
section{padding:80px 0}
section.soft{background:var(--bg-soft)}
.sec-head{max-width:64ch;margin-bottom:44px}
.sec-head h2{font-size:32px;margin-top:10px}
.sec-head p{color:var(--muted);margin-top:14px;font-size:17px}

/* PROSE */
.prose{max-width:74ch}
.prose h2{font-size:28px;margin:38px 0 14px}
.prose h3{font-size:20px;margin:26px 0 10px}
.prose p{color:var(--ink);margin:12px 0}
.prose ul{margin:12px 0 12px 4px;list-style:none}
.prose li{padding:8px 0 8px 28px;position:relative;border-bottom:1px solid var(--line)}
.prose li:before{content:"\2713";position:absolute;left:0;top:9px;color:var(--green);font-weight:700;background:#eef4f1;width:20px;height:20px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px}

/* STATS */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.stat{background:#fff;border:1px solid var(--line);border-radius:8px;padding:26px}
.stat .n{font-family:var(--serif);font-size:32px;color:var(--green);font-weight:600}
.stat .l{color:var(--muted);font-size:14.5px;margin-top:6px}
@media(max-width:720px){.stats{grid-template-columns:1fr}}

/* CARDS */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:28px;transition:.2s}
.card:hover{box-shadow:0 12px 30px rgba(13,36,56,.08);transform:translateY(-2px)}
.card .ic{width:46px;height:46px;border-radius:8px;background:var(--green);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:16px}
.card h3{font-size:20px}
.card p{color:var(--muted);font-size:15px;margin-top:10px}
@media(max-width:860px){.grid3,.grid2{grid-template-columns:1fr}}

/* STEPS */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
.step{position:relative;padding:26px 22px;border-left:2px solid var(--gold);background:#fff}
.step:before{counter-increment:s;content:"0" counter(s);font-family:var(--serif);font-size:30px;color:var(--gold-soft);font-weight:600}
.step h4{font-size:17px;margin:6px 0 6px;color:var(--navy)}
.step p{color:var(--muted);font-size:14px}
@media(max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.steps{grid-template-columns:1fr}}

/* FUNDS */
.funds{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.fund{border:1px solid var(--line);border-radius:8px;padding:22px;background:#fff}
.fund .tag{font-size:11.5px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:3px 9px;border-radius:20px;background:var(--bg-soft);color:var(--green-2)}
.fund .tag.korpus{background:#eef4f1;color:var(--green)}
.fund .tag.hasil{background:#fbf4e4;color:#9a7a23}
.fund h4{font-size:17px;margin:12px 0 6px}
.fund p{color:var(--muted);font-size:14px}
@media(max-width:860px){.funds{grid-template-columns:1fr}}

/* TWO COL */
.two{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center}
.two ul{list-style:none;margin-top:18px}
.two li{padding:10px 0 10px 30px;position:relative;border-bottom:1px solid var(--line);font-size:15.5px}
.two li:before{content:"\2713";position:absolute;left:0;color:var(--green);font-weight:700;background:#eef4f1;width:20px;height:20px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;top:11px}
.panel{background:var(--bg-dark);color:#dbe4ea;border-radius:12px;padding:34px}
.panel h3{color:#fff;font-size:21px}
.panel .layer{border:1px solid rgba(255,255,255,.12);border-radius:8px;padding:16px;margin-top:14px}
.panel .layer b{color:var(--gold)}
.panel .layer span{display:block;color:#9fb0bb;font-size:13.5px;margin-top:3px}
@media(max-width:860px){.two{grid-template-columns:1fr;gap:32px}}

/* TABLE */
table.t{width:100%;border-collapse:collapse;margin:18px 0;font-size:14.5px}
table.t th,table.t td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line)}
table.t th{background:var(--bg-soft);color:var(--navy);font-family:var(--sans);font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.04em}

/* FAQ */
.faq details{border:1px solid var(--line);border-radius:8px;margin-bottom:12px;background:#fff}
.faq summary{padding:18px 22px;font-weight:600;cursor:pointer;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";float:right;color:var(--gold);font-size:20px}
.faq details[open] summary:after{content:"\2013"}
.faq .a{padding:0 22px 18px;color:var(--muted)}

/* FORM */
.form{display:grid;grid-template-columns:1fr 1fr;gap:16px;max-width:680px}
.form .full{grid-column:1/-1}
.form label{font-size:13px;font-weight:600;color:var(--navy);display:block;margin-bottom:6px}
.form input,.form select,.form textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:6px;font-family:var(--sans);font-size:15px}
.form textarea{min-height:120px;resize:vertical}
@media(max-width:600px){.form{grid-template-columns:1fr}}

/* CTA BAND */
.cta-band{background:linear-gradient(160deg,var(--green) 0%,var(--navy) 100%);color:#fff;text-align:center;padding:72px 0}
.cta-band h2{color:#fff;font-size:32px;max-width:22ch;margin:0 auto}
.cta-band p{color:#cdd8de;margin:16px auto 26px;max-width:54ch}

/* FOOTER */
footer{background:#081722;color:#9fb0bb;padding:54px 0 28px;font-size:14px}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
footer h5{color:#fff;font-family:var(--sans);font-size:13px;text-transform:uppercase;letter-spacing:.12em;margin-bottom:14px}
footer a{display:block;color:#9fb0bb;padding:5px 0}
footer a:hover{color:var(--gold)}
footer .brand{font-size:18px;margin-bottom:10px}
.disclaimer{border-top:1px solid rgba(255,255,255,.08);margin-top:36px;padding-top:20px;font-size:12.5px;color:#6f818d;line-height:1.6}
@media(max-width:860px){footer .cols{grid-template-columns:1fr 1fr}}
@media(max-width:540px){footer .cols{grid-template-columns:1fr}}

/* =========================================================
   PREMIUM LAYER — animations, motion, micro-interactions
   (progressive enhancement: only active when html.js)
   ========================================================= */

/* Reveal base states (hidden only when JS available) */
html.js [data-reveal]{opacity:0;will-change:transform,opacity}
html.js [data-reveal="up"]{transform:translateY(28px)}
html.js [data-reveal="left"]{transform:translateX(-28px)}
html.js [data-reveal="right"]{transform:translateX(28px)}
html.js [data-reveal="scale"]{transform:scale(.96)}

/* Animated aurora behind hero */
.hero{isolation:isolate}
.hero .aurora{position:absolute;inset:0;z-index:-1;overflow:hidden}
.hero .aurora b{position:absolute;border-radius:50%;filter:blur(70px);opacity:.5}
.hero .aurora b:nth-child(1){width:520px;height:520px;background:radial-gradient(circle,rgba(200,164,77,.45),transparent 65%);top:-160px;right:-80px}
.hero .aurora b:nth-child(2){width:460px;height:460px;background:radial-gradient(circle,rgba(22,87,74,.7),transparent 65%);bottom:-180px;left:-120px}
.hero .aurora b:nth-child(3){width:360px;height:360px;background:radial-gradient(circle,rgba(15,61,51,.6),transparent 60%);top:30%;left:40%}

/* Fine grain + grid texture overlay */
.hero:before{content:"";position:absolute;inset:0;z-index:-1;opacity:.06;
  background-image:linear-gradient(rgba(255,255,255,.4) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.4) 1px,transparent 1px);
  background-size:48px 48px;mask-image:radial-gradient(circle at 30% 20%,#000,transparent 75%)}

/* Nav scroll state */
header.nav{transition:background .3s,box-shadow .3s,height .3s}
header.nav.scrolled{background:rgba(8,23,34,.98);box-shadow:0 8px 30px rgba(0,0,0,.25)}
header.nav.scrolled .wrap{height:60px}
.nav nav a:not(.btn){position:relative}
.nav nav a:not(.btn):after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:2px;background:var(--gold);transition:width .25s}
.nav nav a:not(.btn):hover:after,.nav nav a.active:after{width:100%}

/* Button shine + lift */
.btn{position:relative;overflow:hidden}
.btn:after{content:"";position:absolute;top:0;left:-120%;width:60%;height:100%;
  background:linear-gradient(120deg,transparent,rgba(255,255,255,.35),transparent);transform:skewX(-20deg);transition:left .6s}
.btn:hover:after{left:140%}
.btn-primary{box-shadow:0 8px 22px rgba(200,164,77,.28)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(200,164,77,.4)}

/* Card sheen on hover */
.card{position:relative;overflow:hidden}
.card:before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(200,164,77,.08),transparent 40%);opacity:0;transition:opacity .3s}
.card:hover:before{opacity:1}
.card .ic{transition:transform .4s cubic-bezier(.34,1.56,.64,1)}
.card:hover .ic{transform:rotate(-6deg) scale(1.08)}

/* Stat number gradient */
.stat .n{background:linear-gradient(120deg,var(--green),var(--gold));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}

/* Section entrance divider line */
.sec-head .eyebrow{display:inline-block;position:relative;padding-left:34px}
.sec-head .eyebrow:before{content:"";position:absolute;left:0;top:50%;width:24px;height:2px;background:var(--gold)}

/* Fund card accent bar */
.fund{position:relative;overflow:hidden;transition:transform .25s,box-shadow .25s}
.fund:before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--gold);transform:scaleY(0);transform-origin:top;transition:transform .3s}
.fund:hover{transform:translateY(-3px);box-shadow:0 14px 32px rgba(13,36,56,.1)}
.fund:hover:before{transform:scaleY(1)}

/* Scroll progress bar */
#progress{position:fixed;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--gold),var(--green-2));z-index:100;transition:width .1s;pointer-events:none}

/* Respect reduced motion */
@media (prefers-reduced-motion: reduce){
  html.js [data-reveal]{opacity:1!important;transform:none!important}
  .hero .aurora b{display:none}
  .btn:after{display:none}
}

/* Auto-reveal hiding (gated by html.js, set synchronously in <head>) */
html.js .sec-head,html.js .stat,html.js .card,html.js .step,html.js .fund,
html.js .panel,html.js .prose>*,html.js table.t,html.js .faq details,
html.js .cta-band h2,html.js .cta-band p,html.js .two>*{
  opacity:0;transform:translateY(26px);will-change:transform,opacity}
html.js.is-ready .above-fold{opacity:1!important;transform:none!important}
@media (prefers-reduced-motion: reduce){
  html.js .sec-head,html.js .stat,html.js .card,html.js .step,html.js .fund,
  html.js .panel,html.js .prose>*,html.js table.t,html.js .faq details,
  html.js .cta-band h2,html.js .cta-band p,html.js .two>*{opacity:1!important;transform:none!important}
}

/* =========================================================
   THEME (DARK MODE) + LANG + MOBILE NAV + SMOOTH TRANSITIONS
   ========================================================= */

/* surface variable so components adapt to theme */
:root{--card:#ffffff;--surface:#ffffff;--hero-text:#ffffff}

/* smooth theme transition */
body,header.nav,section,section.soft,.card,.stat,.fund,.step,.panel,.faq details,
table.t,table.t th,.form input,.form select,.form textarea,footer,.cta-band,.subhero{
  transition:background-color .4s ease,border-color .4s ease,color .3s ease}

/* ---- DARK THEME ---- */
html[data-theme="dark"]{
  --navy:#eaf1f6;--ink:#dce5ec;--muted:#9bb0bd;--line:#22384a;
  --bg:#0a1620;--bg-soft:#0e1f2c;--card:#10212f;--surface:#10212f;
}
html[data-theme="dark"] body{background:#0a1620}
html[data-theme="dark"] h1,html[data-theme="dark"] h2,html[data-theme="dark"] h3,
html[data-theme="dark"] h4,html[data-theme="dark"] h5{color:#f2f7fa}
html[data-theme="dark"] section.soft{background:#0c1a25}
html[data-theme="dark"] .card,html[data-theme="dark"] .stat,html[data-theme="dark"] .fund,
html[data-theme="dark"] .step,html[data-theme="dark"] .faq details,html[data-theme="dark"] table.t,
html[data-theme="dark"] .form input,html[data-theme="dark"] .form select,html[data-theme="dark"] .form textarea{
  background:#10212f;border-color:#22384a}
html[data-theme="dark"] .card p,html[data-theme="dark"] .fund p,html[data-theme="dark"] .stat .l,
html[data-theme="dark"] .step p,html[data-theme="dark"] .sec-head p,html[data-theme="dark"] .faq .a,
html[data-theme="dark"] .prose p,html[data-theme="dark"] .prose li{color:#b9c8d3}
html[data-theme="dark"] table.t th{background:#15293a;color:#eaf1f6}
html[data-theme="dark"] .faq summary{color:#eaf1f6}
html[data-theme="dark"] .fund .tag{background:#14283a;color:#bcd}
html[data-theme="dark"] .fund .tag.korpus{background:#103027;color:#7fd6b6}
html[data-theme="dark"] .fund .tag.hasil{background:#332a12;color:#e3c98a}
html[data-theme="dark"] .form input::placeholder,html[data-theme="dark"] .form textarea::placeholder{color:#6f8493}
html[data-theme="dark"] .btn-outline{border-color:#2f6b59;color:#7fd6b6}
html[data-theme="dark"] .prose li{border-color:#22384a}
html[data-theme="dark"] .stat .n{filter:brightness(1.15)}

/* ---- NAV CONTROLS (lang + theme + hamburger) ---- */
.nav-ctrls{display:flex;align-items:center;gap:8px;margin-left:6px}
.lang-btn,.theme-btn{display:inline-flex;align-items:center;justify-content:center;
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);color:#dfe6ea;
  border-radius:8px;cursor:pointer;font-family:var(--sans);transition:.2s}
.lang-btn{font-size:12.5px;font-weight:700;letter-spacing:.04em;padding:7px 10px;gap:1px}
.lang-btn .on{color:var(--gold)}
.theme-btn{width:34px;height:34px;font-size:15px;padding:0}
.lang-btn:hover,.theme-btn:hover{background:rgba(200,164,77,.18);border-color:var(--gold)}

/* hamburger */
.nav-toggle{display:none;flex-direction:column;justify-content:center;gap:5px;width:40px;height:40px;
  background:transparent;border:0;cursor:pointer;padding:8px;margin-left:auto}
.nav-toggle span{display:block;height:2px;width:22px;background:#fff;border-radius:2px;transition:.3s}
.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle.open span:nth-child(2){opacity:0}
.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---- MOBILE NAV DRAWER ---- */
@media(max-width:1024px){
  .nav-toggle{display:flex}
  .nav .wrap{flex-wrap:wrap}
  header.nav nav{position:fixed;top:0;right:-100%;height:100vh;width:min(82vw,340px);
    background:linear-gradient(165deg,var(--navy,#0d2438),var(--green,#0f3d33));
    flex-direction:column;align-items:flex-start;gap:4px;padding:84px 26px 30px;
    box-shadow:-16px 0 40px rgba(0,0,0,.35);transition:right .38s cubic-bezier(.5,0,.2,1);z-index:60;overflow-y:auto}
  html[data-theme="dark"] header.nav nav{background:linear-gradient(165deg,#08131c,#0c2a23)}
  header.nav nav.open{right:0}
  header.nav nav a:not(.btn){display:block;width:100%;font-size:17px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.08)}
  header.nav nav .btn{margin-top:14px;width:100%;text-align:center}
  .nav-ctrls{margin:18px 0 0;width:100%;justify-content:flex-start}
  body.nav-open{overflow:hidden}
  .nav-backdrop{position:fixed;inset:0;background:rgba(5,12,18,.5);opacity:0;visibility:hidden;
    transition:.35s;z-index:45}
  .nav-backdrop.show{opacity:1;visibility:visible}
  /* keep the floating chat button from covering drawer links */
  body.nav-open .iemc-l{opacity:0;pointer-events:none}
}

/* lang crossfade */
.i18n-fade{transition:opacity .25s ease}
.i18n-fading{opacity:.0}

/* respect reduced motion already handled elsewhere */
@media (prefers-reduced-motion: reduce){
  body,header.nav,section,.card,.stat,.fund,.step,.panel,.faq details,table.t,footer,.cta-band,.subhero{transition:none}
}

/* bilingual dual-content blocks (used for long article bodies) */
[data-lang-en]{display:none}
html[lang="en"] [data-lang-id]{display:none}
html[lang="en"] [data-lang-en]{display:block}

/* =========================================================
   WORLD-CLASS POLISH LAYER (aesthetics, rhythm, mobile, a11y)
   ========================================================= */
html{-webkit-text-size-adjust:100%;text-rendering:optimizeLegibility}
body{font-size:16px;letter-spacing:-.003em}
h1,h2,h3,h4,h5{letter-spacing:-.012em}
.wrap{max-width:1180px}
.eyebrow{font-size:12px}
.stat .n,.kpi .v{font-variant-numeric:tabular-nums}

/* generous desktop rhythm */
@media(min-width:1100px){
  section{padding:104px 0}
  .hero{padding:120px 0 100px}
  .hero h1{font-size:60px}
  .hero p.lead{font-size:21px}
  .sec-head h2{font-size:35px}
}
.sec-head h2{letter-spacing:-.018em}

/* unified cards / shadows / buttons */
.card,.stat,.fund,.step,.panel,.faq details{border-radius:14px}
.card{transition:transform .25s cubic-bezier(.22,1,.36,1),box-shadow .25s,border-color .25s}
.card:hover{box-shadow:0 18px 46px rgba(13,36,56,.11)}
.btn{border-radius:10px}
.btn-primary{box-shadow:0 10px 24px rgba(200,164,77,.26)}
section.soft{box-shadow:inset 0 1px 0 var(--line),inset 0 -1px 0 var(--line)}

/* nav breathing room */
.nav nav{gap:22px}
.nav nav a{font-size:14px}

/* refined forms */
.form input,.form select,.form textarea{border-radius:9px;font-size:15px}

/* accessibility: visible focus */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{
  outline:2px solid var(--gold);outline-offset:2px;border-radius:5px}

/* no horizontal overflow anywhere */
html,body{max-width:100%;overflow-x:hidden}

/* tables scroll on small screens instead of cramping */
@media(max-width:760px){
  table.t{display:block;overflow-x:auto;white-space:nowrap;-webkit-overflow-scrolling:touch}
}

/* tighter, comfortable mobile rhythm */
@media(max-width:720px){
  section{padding:54px 0}
  .wrap{padding:0 20px}
  .sec-head{margin-bottom:32px}
  .sec-head h2{font-size:26px}
  .subhero{padding:48px 0 40px}
  .subhero h1{font-size:30px}
  .cta-band{padding:58px 0}
  .cta-band h2{font-size:26px}
  .two{gap:28px}
  .prose h2{font-size:23px}
  .grid3,.grid2,.funds,.steps,.stats{gap:16px}
  .hero{padding:62px 0 54px}
  .hero h1{font-size:34px}
  .hero p.lead{font-size:18px}
  .trust-strip{gap:8px 18px;font-size:12.5px}
}

/* keep chat launcher clear of content on tiny screens */
@media(max-width:420px){ .iemc-l{bottom:14px;right:14px} }

/* ===== IMAGERY ===== */
.hero{background-image:linear-gradient(155deg,rgba(13,36,56,.9),rgba(15,61,51,.85)),url(img/hero.jpg);background-size:cover;background-position:center}
.hero .aurora b{opacity:.3}
.band{position:relative;color:#fff;padding:108px 0;background-size:cover;background-position:center;background-attachment:fixed;overflow:hidden}
.band:before{content:"";position:absolute;inset:0;background:linear-gradient(155deg,rgba(13,36,56,.78),rgba(15,61,51,.72))}
.band .wrap{position:relative}
.band .eyebrow{color:var(--gold-soft)}
.band h2{color:#fff;font-size:34px;max-width:20ch;letter-spacing:-.02em}
.band p.q{font-size:20px;color:#e8eef1;max-width:62ch;margin-top:14px}
.band .credit{position:absolute;right:12px;bottom:7px;font-size:10px;color:rgba(255,255,255,.45);z-index:2}
@media(max-width:720px){.band{padding:66px 0;background-attachment:scroll}.band h2{font-size:25px}.band p.q{font-size:17px}}
.imgframe{border-radius:16px;overflow:hidden;box-shadow:0 22px 54px rgba(13,36,56,.18);line-height:0}
.imgframe img{display:block;width:100%;height:100%;object-fit:cover}
html[data-theme="dark"] .imgframe{box-shadow:0 22px 54px rgba(0,0,0,.4)}
.bigstats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.bigstats .s{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px 18px;text-align:center}
.bigstats .s .n{font-family:var(--serif);font-size:42px;color:var(--green);font-weight:600;line-height:1;font-variant-numeric:tabular-nums}
html[data-theme="dark"] .bigstats .s .n{color:var(--gold)}
.bigstats .s .l{color:var(--muted);font-size:13.5px;margin-top:8px}
@media(max-width:760px){.bigstats{grid-template-columns:1fr 1fr}.bigstats .s .n{font-size:34px}}