/* ==========================================================================
   VISIONAL MANAGEMENT — INSTITUTIONAL THEME
   Three-colour system: White · Institutional Deep Blue · Premium Gold
   Typography modelled on pimco.com: high-contrast serif display headlines,
   clean Roboto body copy, small letter-spaced uppercase eyebrows.
   Loaded after visional.css so it wins on equal specificity.
   ========================================================================== */

:root {
    /* Palette */
    --white: #FFFFFF;
    --navy: #22365B;          /* Institutional Deep Blue */
    --navy-900: #172742;
    --navy-700: #2E4775;
    --navy-050: #F4F6F9;      /* faint blue-white for alternating sections */
    --gold: #C5A253;          /* Premium Gold */
    --gold-600: #A8873E;
    --gold-700: #8A6D2C;      /* gold for text on white (AA at large sizes) */
    --gold-100: #F3ECDD;

    --ink: #22365B;
    --ink-soft: #3E5068;
    --rule: #DDE3EA;
    --rule-dark: rgba(255, 255, 255, 0.16);

    /* Map the legacy variables used throughout visional.css */
    --primary: var(--navy);
    --primary-dark: var(--navy-900);
    --primary-light: var(--navy-700);
    --secondary: var(--gold);
    --secondary-light: #D4B673;
    --secondary-dark: var(--gold-600);
    --accent: var(--gold);
    --dark: var(--navy-900);
    --light: var(--navy-050);

    /* Type */
    --font-display: 'Libre Caslon Display', 'Libre Caslon Text', Georgia, 'Times New Roman', serif;
    --font-sans: 'Roboto', 'Helvetica Neue', Arial, sans-serif;

    --header-h: 76px;
    --transition: all 0.25s ease;
}

/* --------------------------------------------------------------------------
   Base typography
   -------------------------------------------------------------------------- */
html { scroll-behavior: smooth; scroll-padding-top: var(--header-h); }

body {
    font-family: var(--font-sans) !important;
    font-size: 16px;
    line-height: 1.7;
    color: var(--ink-soft);
    background: var(--white);
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
}

/* Body font for everything except icon fonts */
body :where(p, a, li, span, div, button, input, select, textarea, label, td, th, small, strong, b, em, dd, dt, blockquote):not([class*="fa-"]):not(.fa):not(.fas):not(.far):not(.fab) {
    font-family: var(--font-sans);
}

h1, h2, h3,
.h1-title, .h2-title,
.section-title, .hero-title, .philosophy h2,
.inner-page-banner-content h1 {
    font-family: var(--font-display) !important;
    font-weight: 400 !important;
    color: var(--navy);
    letter-spacing: -0.005em;
    line-height: 1.18;
}

h4, h5, h6, .h3-title, .plan-name, .footer-title {
    font-family: var(--font-sans) !important;
    font-weight: 500;
    color: var(--navy);
    letter-spacing: 0;
}

p { color: var(--ink-soft); }
a { color: var(--navy); transition: var(--transition); }
a:hover { color: var(--gold-700); }
strong, b { color: var(--navy); font-weight: 500; }

::selection { background: var(--gold); color: var(--navy); }

/* Eyebrow / kicker labels (PIMCO-style "FEATURED INSIGHTS") */
.section-subtitle,
.hero-pre-title,
.eyebrow {
    display: inline-block;
    font-family: var(--font-sans) !important;
    font-size: 12px !important;
    font-weight: 500 !important;
    letter-spacing: 0.14em !important;
    text-transform: uppercase;
    color: #22365B !important;
    background: none !important;
    padding: 0 !important;
    margin-bottom: 14px;
}

.section-title {
    font-size: clamp(30px, 3.4vw, 44px) !important;
    margin-bottom: 18px !important;
}
.section-title span { color: var(--gold-700) !important; }
.section-title::after, .section-title::before { display: none !important; }

/* --------------------------------------------------------------------------
   Buttons — flat, square, confident
   -------------------------------------------------------------------------- */
.btn-primary, .btn-outline, .plan-btn, .sec-btn, .uk-button, .filter-btn,
button[type="submit"], input[type="submit"] {
    font-family: var(--font-sans) !important;
    font-size: 14px !important;
    font-weight: 500 !important;
    letter-spacing: 0.02em;
    border-radius: 0 !important;
    padding: 13px 28px !important;
    line-height: 1.2 !important;
    box-shadow: none !important;
    transform: none !important;
    transition: background-color .2s ease, color .2s ease, border-color .2s ease !important;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    text-decoration: none !important;
    cursor: pointer;
}

.btn-primary, .plan-btn, .sec-btn, .uk-button-primary,
button[type="submit"], input[type="submit"] {
    background: #00263a !important;
    color: #fff !important;
    border: 1px solid #00263a !important;
}
.btn-primary:hover, .plan-btn:hover, .sec-btn:hover, .uk-button-primary:hover,
button[type="submit"]:hover, input[type="submit"]:hover {
    background: var(--gold-600) !important;
    border-color: var(--gold-600) !important;
    color: var(--white) !important;
}

.btn-outline {
    background: transparent !important;
    color: var(--navy) !important;
    border: 1px solid var(--navy) !important;
}
.btn-outline:hover { background: var(--navy) !important; color: var(--white) !important; }

/* Outline buttons that sit on deep blue */
.navbar .btn-outline, .hero-split .btn-outline, .philosophy .btn-outline, .footer .btn-outline,
.main-inner-banner .btn-outline {
    color: var(--white) !important;
    border-color: var(--gold) !important;
}
.navbar .btn-outline:hover, .hero-split .btn-outline:hover, .philosophy .btn-outline:hover {
    background: var(--gold) !important;
    color: var(--navy) !important;
}

/* --------------------------------------------------------------------------
   Header / navbar — solid deep blue, PIMCO-style hairline
   -------------------------------------------------------------------------- */
.navbar,
.navbar.navbar-scrolled {
    position: sticky !important;
    top: 0;
    z-index: 1000;
    background: var(--navy) !important;
    backdrop-filter: none !important;
    box-shadow: none !important;
    padding: 0 !important;
    border-bottom: 1px solid var(--rule-dark);
}
.navbar.navbar-scrolled { box-shadow: 0 1px 0 rgba(0,0,0,.08), 0 8px 24px rgba(23, 39, 66,.18) !important; }

.navbar .container {
    min-height: var(--header-h);
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.navbar-brand, .footer-logo {
    font-family: var(--font-display) !important;
    font-size: 24px !important;
    font-weight: 400 !important;
    letter-spacing: 0.22em !important;
    color: var(--white) !important;
    text-decoration: none;
    line-height: 1 !important;
    display: inline-flex;
    flex-direction: column;
    gap: 6px;
}
.navbar-brand span, .footer-logo span {
    display: block;
    font-family: var(--font-sans) !important;
    font-size: 10px !important;
    font-weight: 500 !important;
    letter-spacing: 0.42em !important;
    color: var(--gold) !important;
    margin: 0 !important;
}

.nav-menu { display: flex; align-items: center; gap: 30px; }

.nav-link {
    position: relative;
    font-size: 14px !important;
    font-weight: 500 !important;
    color: var(--white) !important;
    padding: 8px 0 !important;
    letter-spacing: 0.01em;
    opacity: .92;
}
.nav-link::after {
    content: '';
    position: absolute;
    left: 0; right: 0; bottom: 0;
    height: 2px;
    background: var(--gold);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform .25s ease;
}
.nav-link:hover, .nav-link.active { opacity: 1; color: var(--white) !important; }
.nav-link:hover::after, .nav-link.active::after { transform: scaleX(1); }

.nav-buttons { display: flex; gap: 12px; margin-left: 10px; }
.nav-buttons .btn-primary, .nav-buttons .btn-outline { padding: 10px 20px !important; font-size: 13px !important; }

.navbar-toggler {
    color: var(--white) !important;
    background: transparent !important;
    border: 1px solid var(--rule-dark) !important;
    border-radius: 0 !important;
    width: 44px; height: 44px;
}

@media (max-width: 991px) {
    .nav-menu { gap: 18px; }
    .nav-buttons .btn-outline { display: none !important; }
}


@media (min-width: 769px) {
    .about-forums-card {
        max-width: 900px;
        padding: 42px;
    }

    .about-forums-image {
        height: clamp(320px, 38vw, 460px);
        margin-bottom: 54px;
    }

    .about-forums-copy h2 {
        font-size: clamp(48px, 5vw, 72px) !important;
    }

    .about-forums-copy p {
        line-height: 1.85 !important;
    }
}

@media (max-width: 768px) {
    :root { --header-h: 66px; }
    .navbar-brand { font-size: 20px !important; }
    .nav-menu {
        background: var(--navy) !important;
        border-top: 1px solid var(--rule-dark);
        top: var(--header-h) !important;
    }
    .nav-menu .nav-link { font-size: 16px !important; }
    .nav-buttons { margin-left: 0; }
    .nav-buttons .btn-outline { display: inline-flex !important; }
}




/* =========================================
   WHY VISIONAL MANAGEMENT — NAVY FEATURE
   ========================================= */

.why-visional-section {
    background: #ffffff;
    padding: 80px 0;
}

.why-visional-card {
    background: #22365B;
    color: #ffffff;
    padding: 42px;
    max-width: 100%;
    overflow: hidden;
}

.why-visional-image {
    width: 100%;
    height: 320px;
    margin-bottom: 60px;
    overflow: hidden;
    background: #173b50;
}

.why-visional-image img {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
}

.why-visional-content {
    width: 100%;
    max-width: 900px;
}

.why-visional-eyebrow {
    display: block;
    color: #00dce8 !important;
    font-family: var(--font-sans) !important;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 2px;
    text-transform: uppercase;
    margin-bottom: 18px;
    text-align: center;
}

.why-visional-title {
    color: #ffffff !important;
    font-family: var(--font-display) !important;
    font-size: clamp(38px, 5vw, 60px) !important;
    font-weight: 400 !important;
    line-height: 1.12;
    margin: 0 0 28px !important;
    text-align: center;
}

.why-visional-content p {
    color: rgba(255, 255, 255, 0.92) !important;
    font-family: var(--font-sans) !important;
    font-size: 18px;
    line-height: 1.9;
    text-align: center;
    margin: 0 0 22px;
}

.why-visional-button {
    display: flex;
    width: 100%;
    min-height: 70px;
    align-items: center;
    justify-content: center;
    gap: 12px;
    margin-top: 50px;
    padding: 18px 24px;
    background: #00dce8;
    color: #22365B !important;
    font-family: var(--font-sans) !important;
    font-size: 18px;
    font-weight: 600;
    text-align: center;
    text-decoration: none !important;
    transition: background-color .25s ease;
}

.why-visional-button:hover {
    background: #35edf3;
    color: #22365B !important;
}

.why-visional-button i {
    font-size: 15px;
}

@media (max-width: 768px) {
    .why-visional-section {
        padding: 45px 0;
    }

    .why-visional-card {
        padding: 24px;
    }

    .why-visional-image {
        height: auto;
        aspect-ratio: 1.5 / 1;
        margin-bottom: 48px;
    }

    .why-visional-title {
        font-size: 42px !important;
        margin-bottom: 24px !important;
        text-align: center;
    }

    .why-visional-content p {
        font-size: 16px;
        line-height: 1.85;
    }

    .why-visional-button {
        min-height: 64px;
        margin-top: 36px;
        font-size: 16px;
    }
}

@media (max-width: 380px) {
    .why-visional-card {
        padding: 20px;
    }

    .why-visional-title {
        font-size: 35px !important;
    }
}

/* --------------------------------------------------------------------------
   HERO — fixed-size, stable split slider (image left, copy right)
   Every slide renders the image in an identical frame (object-fit: cover),
   no zoom/Ken Burns, height fixed per breakpoint => no jumping.
   -------------------------------------------------------------------------- */
.hero-carousel.hero-split {
    --hero-h: 600px;
    height: var(--hero-h) !important;
    min-height: 0 !important;
    max-height: none !important;
    background: var(--navy);
    color: var(--white);
    overflow: hidden;
    position: relative;
}
.hero-split .carousel-container,
.hero-split .carousel-slides { height: 100%; }

.hero-split .carousel-slide {
    position: absolute;
    inset: 0;
    display: block;
    opacity: 0;
    visibility: hidden;
    transition: opacity .7s ease, visibility .7s ease;
}
.hero-split .carousel-slide.active { opacity: 1; visibility: visible; z-index: 2; }

.hero-split-grid {
    height: 100%;
    display: grid;
    grid-template-columns: 1.08fr 1fr;
    gap: 64px;
    align-items: center;
    padding-top: 56px !important;
    padding-bottom: 96px !important;
}

.hero-media {
    margin: 0;
    width: 100%;
    aspect-ratio: 16 / 10;
    overflow: hidden;
    background: var(--navy-700);
    position: relative;
}
.hero-media::after {             /* gold hairline frame accent */
    content: '';
    position: absolute;
    left: 0; bottom: 0;
    width: 96px; height: 3px;
    background: var(--gold);
}
.hero-media img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
    display: block;
    transform: none !important;
    animation: none !important;
    transition: none !important;
}

.hero-split .hero-content {
    max-width: 520px;
    padding: 0 !important;
    text-align: left !important;
    margin: 0;
}
.hero-split .hero-pre-title { color: var(--gold) !important; margin-bottom: 18px; }
.hero-split .hero-title {
    color: var(--white) !important;
    font-size: clamp(34px, 3.6vw, 50px) !important;
    margin: 0 0 22px !important;
    text-shadow: none !important;
    position: relative;
}
.hero-split .hero-title span { color: var(--gold) !important; }
.hero-split .hero-description {
    color: rgba(255,255,255,.86) !important;
    font-size: 16px !important;
    line-height: 1.75 !important;
    margin: 0 0 32px !important;
    max-width: 480px;
}
.hero-split .hero-buttons { display: flex; flex-wrap: wrap; gap: 16px; justify-content: flex-start !important; }

/* Controls: indicators + square arrows along the bottom edge */
.hero-controls {
    position: absolute !important;
    left: 0; right: 0; bottom: 32px;
    z-index: 5;
    display: flex;
    align-items: center;
    justify-content: space-between;
    pointer-events: none;
}
.hero-controls > * { pointer-events: auto; }

.hero-split .carousel-indicators {
    position: static !important;
    transform: none !important;
    display: flex;
    gap: 10px;
    margin: 0 !important;
}
.hero-split .indicator {
    width: 36px !important;
    height: 3px !important;
    border-radius: 0 !important;
    border: 0 !important;
    padding: 0;
    background: rgba(255,255,255,.28) !important;
    cursor: pointer;
    transition: background-color .25s ease;
}
.hero-split .indicator.active { background: var(--gold) !important; width: 36px !important; }

.hero-arrows { display: flex; gap: 10px; }
.hero-split .carousel-control {
    position: static !important;
    transform: none !important;
    width: 44px !important;
    height: 44px !important;
    border-radius: 0 !important;
    background: transparent !important;
    border: 1px solid rgba(255,255,255,.4) !important;
    color: var(--white) !important;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    cursor: pointer;
    transition: var(--transition);
}
.hero-split .carousel-control:hover { border-color: var(--gold) !important; background: var(--gold) !important; color: var(--navy) !important; }

@media (max-width: 1100px) {
    .hero-carousel.hero-split { --hero-h: 560px; }
    .hero-split-grid { gap: 40px; }
}

@media (max-width: 860px) {
    /* Stack: fixed-ratio image on top, copy beneath; fixed total height */
    .hero-carousel.hero-split { --hero-h: 720px; }
    .hero-split-grid {
        grid-template-columns: 1fr;
        grid-template-rows: auto 1fr;
        align-items: start;
        gap: 28px;
        padding-top: 24px !important;
        padding-bottom: 88px !important;
    }
    .hero-media { aspect-ratio: 16 / 9; }
    .hero-split .hero-content { max-width: none; }
}

@media (max-width: 560px) {
    .hero-carousel.hero-split { --hero-h: 640px; }
    .hero-split .hero-title { font-size: 30px !important; margin-bottom: 14px !important; }
    .hero-split .hero-description { font-size: 15px !important; margin-bottom: 22px !important; }
    .hero-split .hero-buttons a { padding: 12px 20px !important; }
    .hero-controls { bottom: 24px; }
}

@media (prefers-reduced-motion: reduce) {
    .hero-split .carousel-slide { transition: none; }
}

/* --------------------------------------------------------------------------
   Sections & content blocks
   -------------------------------------------------------------------------- */
.section-padding { padding: 96px 0 !important; }
.section-padding-sm { padding: 64px 0 !important; }
@media (max-width: 768px) {
    .section-padding { padding: 64px 0 !important; }
    .section-padding-sm { padding: 44px 0 !important; }
}

/* Stats bar under the hero */
.stats-grid {
    background: var(--white) !important;
    border: 1px solid var(--rule) !important;
    border-top: 3px solid var(--gold) !important;
    border-radius: 0 !important;
    box-shadow: 0 18px 40px rgba(34, 54, 91,.08) !important;
    position: relative;
    z-index: 6;
    margin-top: -1px !important;
}
.stat-number {
    font-family: var(--font-display) !important;
    font-weight: 400 !important;
    color: var(--navy) !important;
    letter-spacing: 0;
}
.stat-label {
    font-size: 12px !important;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--ink-soft) !important;
}

/* Cards — flat, bordered, gold rule on hover (PIMCO card language) */
.info-card, .info-card-large, .stat-card, .plan-card, .team-box, .pricing-box,
.contact-help-box, .form-box, .feature-card, .card, .uk-card {
    background: var(--white) !important;
    border: 1px solid var(--rule) !important;
    border-radius: 0 !important;
    box-shadow: none !important;
    transition: border-color .25s ease, box-shadow .25s ease, transform .25s ease !important;
}
.info-card:hover, .info-card-large:hover, .stat-card:hover, .plan-card:hover, .team-box:hover,
.pricing-box:hover, .contact-help-box:hover, .feature-card:hover {
    border-color: var(--gold) !important;
    box-shadow: 0 14px 36px rgba(34, 54, 91,.10) !important;
    transform: translateY(-2px) !important;
}
.info-card h3, .info-card-large h3, .stat-card h3, .team-box h3, .contact-help-box h3 {
    font-family: var(--font-sans) !important;
    font-weight: 500 !important;
    font-size: 18px !important;
    color: var(--navy) !important;
}
section[style*="#F4F6F9"] .info-card, section[style*="#F4F6F9"] .info-card-large,
section[style*="#F4F6F9"] .stat-card { background: var(--white) !important; }

/* Icon chips */
[class*="-icon"]:not(.coin-icon):not(.footer-contact-icon):not([class*="fa-"]) {
    border-radius: 0 !important;
}

/* Plans */
.plan-card { padding-top: 36px !important; }
.plan-card::before { display: none !important; }
.plan-name { font-family: var(--font-display) !important; font-weight: 400 !important; font-size: 26px !important; }
.plan-return {
    font-family: var(--font-display) !important;
    color: var(--gold-700) !important;
    font-weight: 400 !important;
}
.plan-badge {
    border-radius: 0 !important;
    background: var(--gold-100) !important;
    color: var(--gold-700) !important;
    font-size: 11px !important;
    letter-spacing: .12em;
    text-transform: uppercase;
}
.plan-features li { border-color: var(--rule) !important; }
.plan-features li i, .plan-features li .fa, .plan-features li .fas { color: var(--gold) !important; }

/* Philosophy — deep-blue band */
.philosophy {
    background: var(--navy) !important;
    color: var(--white);
}
.philosophy h2, .philosophy h3 { color: var(--white) !important; }
.philosophy p { color: rgba(255,255,255,.82) !important; }
.philosophy-quote {
    font-family: var(--font-display) !important;
    border-left: 3px solid var(--gold) !important;
    border-radius: 0 !important;
    background: rgba(255,255,255,.04) !important;
    color: var(--white) !important;
}

/* About image */
.about-image img, .about-img img, .main-about img {
    border-radius: 0 !important;
    box-shadow: none !important;
}
.about-highlight {
    border-radius: 0 !important;
    border-left: 3px solid var(--gold) !important;
    background: var(--navy-050) !important;
}

/* Tables (signals / tickers) */
.signals-table th, table th {
    font-size: 12px;
    letter-spacing: .1em;
    text-transform: uppercase;
    color: var(--navy) !important;
    background: var(--navy-050) !important;
}

/* --------------------------------------------------------------------------
   Inner pages (legacy template classes used by about, services, gold, etc.)
   -------------------------------------------------------------------------- */
.main-inner-banner {
    position: relative;
    background-color: var(--navy) !important;
    background-size: cover !important;
    background-position: center !important;
    padding: 88px 0 72px !important;
    min-height: 0 !important;
    color: var(--white);
    overflow: hidden;
}
.main-inner-banner::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(34, 54, 91,.96) 0%, rgba(34, 54, 91,.88) 45%, rgba(34, 54, 91,.6) 100%);
}
.main-inner-banner > .container { position: relative; z-index: 1; }
.inner-page-banner-content .h1-title, .main-inner-banner h1 {
    color: var(--white) !important;
    font-size: clamp(34px, 4vw, 52px) !important;
    margin: 0 0 18px !important;
}
.breadcrumb-box ul {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 10px;
    list-style: none;
    margin: 0;
    padding: 0;
}
.breadcrumb-box li { color: var(--gold); font-size: 12px; letter-spacing: .12em; text-transform: uppercase; }
.breadcrumb-box a { color: rgba(255,255,255,.85) !important; text-decoration: none; font-weight: 500; }
.breadcrumb-box a:hover { color: var(--gold) !important; }
.breadcrumb-box i { font-size: 12px; }

/* Generic content sections on inner pages */
section.main-about, section.main-team, section.main-contact, section.main-pricing-in,
.main-pricing-in, .investment-intro, .main-contact-page, .main-services {
    padding: 88px 0;
}
.h2-title {
    font-size: clamp(28px, 3vw, 40px) !important;
    color: var(--navy) !important;
    margin-bottom: 22px !important;
}
.h3-title { font-size: 18px !important; margin-bottom: 8px; }
.about-content p, .main-about p { margin-bottom: 18px; }

/* Lightweight 12-col grid for legacy .row/.col-* markup */
.row { display: flex; flex-wrap: wrap; margin-left: -15px; margin-right: -15px; }
.row > [class*="col-"] { padding-left: 15px; padding-right: 15px; width: 100%; }
.row.align-items-center { align-items: center; }
@media (min-width: 768px) {
    .row > .col-md-4 { width: 33.333%; } .row > .col-md-6 { width: 50%; } .row > .col-md-12 { width: 100%; }
}
@media (min-width: 992px) {
    .row > .col-lg-3 { width: 25%; } .row > .col-lg-4 { width: 33.333%; } .row > .col-lg-5 { width: 41.666%; }
    .row > .col-lg-6 { width: 50%; } .row > .col-lg-7 { width: 58.333%; } .row > .col-lg-8 { width: 66.666%; }
    .row > .col-lg-12 { width: 100%; }
}
@media (max-width: 991px) { .mob-pt-30 { padding-top: 30px; } }
.row img, .main-pricing-in img { max-width: 100%; height: auto; }

/* Team */
.main-team-slider { row-gap: 30px; }
.team-box { margin: 0 !important; height: 100%; overflow: hidden; }
.team-img img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; display: block; }
.team-content { padding: 18px 20px 22px; }
.team-content p { font-size: 13px; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-700); margin: 0; }

/* UIkit-flavoured services pages */
.uk-container { max-width: 1280px; margin: 0 auto; padding: 0 20px; }
.uk-grid { display: flex; flex-wrap: wrap; gap: 30px; }
.uk-grid > * { flex: 1 1 300px; }
.uk-section, .in-highlight { padding: 72px 0; }
.myP { color: var(--ink-soft); }

/* Forms (contact + auth) */
.form-input, input[type="text"], input[type="email"], input[type="password"], input[type="number"],
input[type="tel"], select, textarea {
    font-family: var(--font-sans) !important;
    border-radius: 0 !important;
    border: 1px solid var(--rule) !important;
    background: var(--white) !important;
    color: var(--navy) !important;
    box-shadow: none !important;
}
.form-input:focus, input:focus, select:focus, textarea:focus {
    outline: none !important;
    border-color: var(--navy) !important;
    box-shadow: 0 0 0 3px rgba(197,162,83,.25) !important;
}

/* Inline legacy colours from older pages (yellow / near-black) */
[style*="background-color: #C5A253"] { color: var(--navy) !important; border-radius: 0 !important; }
[style*="background-color: #22365B"] p, [style*="background-color: #22365B"] li { color: rgba(255,255,255,.86) !important; }
[style*="background-color: #22365B"] strong { color: var(--white) !important; }
[style*="background-color: #22365B"] h1,
[style*="background-color: #22365B"] h2,
[style*="background-color: #22365B"] h3 { color: var(--gold) !important; }

/* --------------------------------------------------------------------------
   Footer — deep blue, PIMCO-style column headings
   -------------------------------------------------------------------------- */
.footer {
    background: var(--navy) !important;
    color: rgba(255,255,255,.78);
    padding-top: 80px !important;
    border-top: 3px solid var(--gold);
}
.footer-logo { margin-bottom: 22px; }
.footer-text { color: rgba(255,255,255,.72) !important; font-size: 14px !important; }
.footer-title {
    font-size: 12px !important;
    font-weight: 500 !important;
    letter-spacing: .14em !important;
    text-transform: uppercase;
    color: var(--gold) !important;
    margin-bottom: 22px !important;
}
.footer-title::after, .footer-title::before { display: none !important; }
.footer-links a, .footer-contact-text {
    color: rgba(255,255,255,.86) !important;
    font-size: 14px !important;
}
.footer-links a:hover { color: var(--gold) !important; padding-left: 0 !important; }
.footer-contact-icon, .footer-social a {
    border-radius: 0 !important;
    background: transparent !important;
    border: 1px solid var(--rule-dark) !important;
    color: var(--gold) !important;
}
.footer-social a:hover { background: var(--gold) !important; color: var(--navy) !important; border-color: var(--gold) !important; }
.footer-bottom {
    border-top: 1px solid var(--rule-dark) !important;
    color: rgba(255,255,255,.6) !important;
    font-size: 13px;
}
.footer-bottom p, .footer-bottom a { color: rgba(255,255,255,.7) !important; }
.footer-bottom a { text-decoration: underline; text-underline-offset: 3px; }
.footer-bottom a:hover { color: var(--gold) !important; }

/* Floating chat button: keep brand-neutral square-ish chip */
.whatsapp-widget { box-shadow: 0 6px 20px rgba(23, 39, 66,.25) !important; animation: none !important; }

/* Homepage refinements */
.about-image, .about-image img, .about-img, .about-img-1 { border-radius: 0 !important; }
.about-image::before, .about-image::after { border-radius: 0 !important; }
.stat-card .number {
    font-family: var(--font-display) !important;
    font-weight: 400 !important;
    color: var(--navy) !important;
    -webkit-text-fill-color: var(--navy) !important;
    background: none !important;
}
.stat-card { border-top: 3px solid var(--gold) !important; }
.stat-card .label {
    font-size: 12px !important;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--ink-soft) !important;
}

/* Mobile polish */
.navbar-toggler i { color: var(--white) !important; font-size: 18px; }
@media (max-width: 768px) {
    .navbar-toggler { display: inline-flex !important; align-items: center; justify-content: center; }
    .hero-split .hero-buttons { justify-content: flex-start !important; }
    .hero-split .hero-buttons a { width: auto !important; flex: 0 0 auto; }
}

/* ==========================================================================
   Brand lockup — chevron mark + serif wordmark
   ========================================================================== */
.navbar-brand.brand-lockup {
    flex-direction: row !important;
    align-items: center;
    gap: 12px !important;
    letter-spacing: 0 !important;
}
.brand-lockup .brand-mark { width: 26px; height: 34px; flex: 0 0 auto; }
.navbar-brand.brand-lockup .brand-words {
    display: flex !important;
    flex-direction: column;
    gap: 6px;
    font-family: var(--font-display) !important;
    font-size: 22px !important;
    letter-spacing: 0.22em !important;
    color: var(--white) !important;
    line-height: 1 !important;
}
.navbar-brand.brand-lockup .brand-words > span {
    font-family: var(--font-sans) !important;
    font-size: 10px !important;
    letter-spacing: 0.42em !important;
    color: var(--gold) !important;
}
.brand-lockup sup { display: none; font-size: .5em; vertical-align: super; margin-left: 2px; }

/* ==========================================================================
   MOBILE HOMEPAGE HERO (matches the phone mockup)
   ========================================================================== */
.m-hero { display: none; }

@media (max-width: 768px) {
    /* Header: seamless with the hero, larger two-line wordmark */
    .navbar, .navbar.navbar-scrolled { border-bottom: 0 !important; }
    .navbar .container { min-height: 84px; }
    .brand-lockup .brand-mark { width: 34px; height: 46px; }
    .navbar-brand.brand-lockup .brand-words {
        font-size: 19px !important;
        letter-spacing: 0.14em !important;
        gap: 4px;
    }
    .navbar-brand.brand-lockup .brand-words > span {
        font-family: var(--font-display) !important;
        font-size: 19px !important;
        letter-spacing: 0.14em !important;
        color: var(--white) !important;
    }
    .brand-lockup sup { display: inline; }

    /* Swap the split slider for the mobile hero on the homepage */
    .hero-carousel.hero-split { display: none !important; }

    .m-hero {
        display: block;
        background: var(--navy);
        color: var(--white);
        padding: 22px 0 44px;
        overflow: hidden;
    }
    .m-hero .container { padding: 0 24px; }

    .m-hero-title {
        font-family: 'Libre Caslon Text', var(--font-display) !important;
        font-weight: 400 !important;
        font-size: 40px !important;
        line-height: 1.08 !important;
        color: var(--white) !important;
        margin: 0 0 26px !important;
        letter-spacing: -0.01em;
    }

    /* Equities / Fixed Income allocation bar */
    .m-alloc { margin-bottom: 26px; }
    .m-alloc-bar { display: flex; height: 8px; width: 100%; }
    .m-alloc-eq { flex: 0 0 50%; background: var(--white); }
    .m-alloc-fi { flex: 1 1 auto; background: var(--gold); }
    .m-alloc-labels {
        display: flex;
        justify-content: space-between;
        margin-top: 12px;
        font-size: 14px;
        color: rgba(255,255,255,.92);
    }
    .m-alloc-labels span { font-family: var(--font-sans); }
    .m-alloc-icon { display: block; margin-top: 8px; font-size: 24px; color: var(--gold); }

    /* Fixed-ratio image frame; stacked photos cross-fade, never resize */
    .m-hero-media {
        position: relative;
        width: 100%;
        aspect-ratio: 2.15 / 1;
        border-radius: 8px;
        overflow: hidden;
        background: var(--navy-700);
        margin: 0 0 18px;
    }
   .m-hero-media img {
    position: absolute;
    inset: 0;
    width: 100% !important;
    height: 100% !important;
    max-width: none !important;
    object-fit: cover;
    object-position: center;
    opacity: 0;
    animation: mHeroFade 10s infinite;
}
   .m-hero-media img:nth-child(1) {
    animation-delay: 0s;
}

.m-hero-media img:nth-child(2) {
    animation-delay: 5s;
}

/* Prevent any third or later image from appearing */
.m-hero-media img:nth-child(n+3) {
    display: none !important;
}

@keyframes mHeroFade {
    0%   { opacity: 0; }
    5%   { opacity: 1; }
    45%  { opacity: 1; }
    50%  { opacity: 0; }
    100% { opacity: 0; }
}
   

    .m-hero-label {
        font-size: 18px !important;
        color: var(--white) !important;
        margin: 0 0 14px !important;
        line-height: 1.3 !important;
    }

    .m-hero-pill {
        display: flex;
        align-items: center;
        justify-content: center;
        gap: 12px;
        width: 100%;
        padding: 11px 18px;
        border: 1.5px solid rgba(255,255,255,.85);
        border-radius: 999px;
        font-size: 14px;
        letter-spacing: 0.1em;
        text-transform: uppercase;
        color: var(--white);
        margin-bottom: 26px;
    }
    .m-hero-pill i { font-size: 14px; color: var(--white); }

    .m-hero-headline {
        font-family: 'Libre Caslon Text', var(--font-display) !important;
        font-weight: 400 !important;
        font-size: 32px !important;
        line-height: 1.16 !important;
        color: var(--white) !important;
        margin: 0 0 24px !important;
    }
    .m-hero-headline span { color: #5B8DEF !important; }

    .m-hero-cta {
        display: flex;
        align-items: center;
        justify-content: center;
        width: 86%;
        padding: 14px 20px;
        border: 2px solid var(--gold);
        border-radius: 999px;
        color: var(--gold) !important;
        font-size: 17px;
        font-weight: 700;
        letter-spacing: 0.1em;
        text-transform: uppercase;
        text-decoration: none !important;
        transition: background-color .2s ease, color .2s ease;
    }
    .m-hero-cta:hover, .m-hero-cta:focus-visible { background: var(--gold); color: var(--navy) !important; }

    /* Stats card sits just below the hero */
    .stats-grid { margin-top: 24px !important; }
}



@media (prefers-reduced-motion: reduce) {
    .m-hero-media img { animation: none; }
    .m-hero-media img:first-child { opacity: 1; }
}

@media (max-width: 768px) {
    :root { --header-h: 84px; }
    .navbar .container { min-height: var(--header-h); }
}


/* ==========================================================================
   ABOUT OUR FORUMS — reference-inspired deep navy panel
   ========================================================================== */
.about-forums-section {
    width: 100%;
    padding: 64px 0 78px;
    background: #ffffff;
}

.about-forums-container {
    width: min(100% - 40px, 1280px);
    margin: 0 auto;
}

.about-forums-card {
    width: 100%;
    max-width: 1080px;
    margin: 0 auto;
    padding: 42px;
    background: #22365B;
    color: #ffffff;
    border: 0;
    border-radius: 0;
    box-shadow: none;
}

.about-forums-image {
    display: block;
    width: 100%;
    height: clamp(260px, 39vw, 460px);
    object-fit: cover;
    object-position: center;
    margin: 0 0 54px;
    background: #12384a;
}

.about-forums-copy h2 {
    margin: 0 0 26px !important;
    color: #ffffff !important;
    font-family: var(--font-display, Georgia, serif) !important;
    font-size: clamp(42px, 5.4vw, 72px) !important;
    font-weight: 400 !important;
    line-height: 1.08 !important;
    letter-spacing: -0.025em;
}

.about-forums-copy p {
    max-width: 850px;
    margin: 0 0 54px !important;
    color: rgba(255,255,255,.94) !important;
    font-family: var(--font-sans, Arial, sans-serif) !important;
    font-size: clamp(18px, 2vw, 26px) !important;
    line-height: 1.9 !important;
    font-weight: 400;
}

.about-forums-cta {
    display: flex;
    width: 100%;
    min-height: 72px;
    align-items: center;
    justify-content: center;
    padding: 18px 24px;
    background: #00e5ee;
    color: #00263a !important;
    border: 0;
    border-radius: 0;
    font-family: var(--font-sans, Arial, sans-serif) !important;
    font-size: clamp(18px, 2vw, 25px);
    font-weight: 600;
    line-height: 1.25;
    text-align: center;
    text-decoration: none !important;
    transition: background-color .2s ease, color .2s ease;
}

.about-forums-cta:hover,
.about-forums-cta:focus-visible {
    background: #27f0f5;
    color: #00263a !important;
    text-decoration: none !important;
}

@media (max-width: 768px) {
    .about-forums-section {
        padding: 38px 0 54px;
        background: #ffffff;
    }

    .about-forums-container {
        width: calc(100% - 40px);
        max-width: 660px;
    }

    .about-forums-card {
        max-width: none;
        padding: 42px 42px 42px;
        background: #22365B;
    }

    .about-forums-image {
        height: auto;
        aspect-ratio: 16 / 9;
        margin-bottom: 68px;
        object-position: center;
    }

    .about-forums-copy h2 {
        font-size: clamp(40px, 7.5vw, 58px) !important;
        line-height: 1.08 !important;
        margin-bottom: 30px !important;
        white-space: normal;
    }

    .about-forums-copy p {
        font-size: clamp(18px, 3.8vw, 24px) !important;
        line-height: 2.0 !important;
        margin-bottom: 58px !important;
    }

    .about-forums-cta {
        min-height: 70px;
        font-size: clamp(17px, 3.5vw, 23px);
        padding: 18px 14px;
    }
}

@media (max-width: 420px) {
    .about-forums-container {
        width: calc(100% - 32px);
    }

    .about-forums-card {
        padding: 28px 24px 28px;
    }

    .about-forums-image {
        margin-bottom: 48px;
    }

    .about-forums-copy h2 {
        font-size: 39px !important;
    }

    .about-forums-copy p {
        font-size: 17px !important;
        line-height: 1.9 !important;
        margin-bottom: 42px !important;
    }

    .about-forums-cta {
        min-height: 62px;
        font-size: 17px;
    }
}