/* ============================================================
   MERIDIAN CAPITAL PARTNERS — MAIN STYLESHEET
   Design system: Meridian template (navy #0A1F33, primary #0E4C92,
   gold #C9A227, Georgia headings, pill buttons).
   UK-focused clone of the Meridian Capital investment platform.
   ============================================================ */

:root {
  /* Brand colors */
  --brand-dark: #0A1F33;        /* deep navy — hero, footer */
  --brand-primary: #0E4C92;     /* primary blue — buttons, links */
  --brand-accent: #C9A227;      /* gold — highlights, icons */
  --brand-accent-soft: #E7CE6B; /* lighter gold for text on dark */
  --brand-light: #F5F8FC;       /* light background sections */
  --ink: #1A2733;               /* main text color */
  --ink-soft: #51606F;          /* secondary text color */
  --white: #FFFFFF;

  /* Legacy aliases (kept so older markup keeps working) */
  --brand-blue: #0E4C92;
  --brand-green: #1d6b3f;
  --brand-navy: #0A1F33;
  --green: #1d6b3f;
  --orange: #C9A227;
  --bg-alt: #F5F8FC;
  --text-muted: #51606F;
  --card-bg: #FFFFFF;
  --navy-grad: linear-gradient(120deg, #0E4C92, #0A1F33);
  --grad-blue: linear-gradient(120deg, #0E4C92, #0A1F33);
  --grad-gold: linear-gradient(120deg, #C9A227, #E7CE6B);

  /* Typography */
  --font-head: "Georgia", "Times New Roman", serif;
  --font-body: "Segoe UI", "Helvetica Neue", Arial, sans-serif;

  /* Layout */
  --maxw: 1160px;
  --radius: 14px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--brand-primary); }
.container { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 1rem;
  text-decoration: none;
  transition: all .25s ease;
  border: 2px solid transparent;
  cursor: pointer;
  font-family: var(--font-body);
  text-align: center;
}
.btn-primary { background: var(--brand-primary); color: var(--white); }
.btn-primary:hover { background: #0A3D78; transform: translateY(-2px); }
.btn-gold { background: var(--brand-accent); color: #231a00; }
.btn-gold:hover { background: #b8931f; transform: translateY(-2px); }
.btn-outline { border-color: var(--brand-accent); color: var(--brand-accent-soft); background: transparent; }
.btn-outline:hover { background: var(--brand-accent); color: #231a00; }
.btn-outline-dark { border-color: #c9d6e4; color: var(--brand-primary); background: transparent; }
.btn-outline-dark:hover { border-color: var(--brand-primary); background: var(--brand-light); }
.btn-sm { padding: 9px 18px; font-size: .88rem; }
.btn-xs { padding: 5px 12px; font-size: .76rem; border-radius: 999px; }
.btn-danger { background: #a12622; color: #fff; }
.btn-danger:hover { background: #8a1f1c; transform: translateY(-2px); }
.btn:disabled { opacity: .55; cursor: not-allowed; transform: none !important; }

/* ---------- Top bar ---------- */
.topbar { background: var(--brand-dark); color: #c8d4e0; font-size: .82rem; padding: 8px 0; }
.topbar .container { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; align-items: center; }
.topbar span { display: inline-flex; align-items: center; gap: 6px; }
.topbar-auth a { color: var(--brand-accent-soft); font-weight: 700; text-decoration: none; }
.topbar-auth a:hover { text-decoration: underline; }

/* ---------- Header / Nav ---------- */
header.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid #e3eaf2;
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; padding: 14px 0; gap: 16px; }
.logo { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.logo-mark {
  width: 44px; height: 44px; border-radius: 10px;
  background: linear-gradient(135deg, var(--brand-dark), var(--brand-primary));
  color: var(--brand-accent-soft);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-weight: 700; font-size: 1.15rem;
  flex-shrink: 0;
}
.logo-text { font-family: var(--font-head); font-size: 1.3rem; color: var(--brand-dark); font-weight: 700; letter-spacing: .3px; }
.logo-text small { display: block; font-family: var(--font-body); font-size: .62rem; letter-spacing: 2.5px; color: var(--ink-soft); text-transform: uppercase; font-weight: 500; }

nav.main-nav ul { list-style: none; display: flex; gap: 24px; }
nav.main-nav a { text-decoration: none; color: var(--ink); font-weight: 600; font-size: .95rem; position: relative; }
nav.main-nav a::after {
  content: ""; position: absolute; left: 0; bottom: -6px;
  width: 0; height: 2px; background: var(--brand-accent); transition: width .25s;
}
nav.main-nav a:hover::after, nav.main-nav a.active::after { width: 100%; }

.nav-cta { display: flex; gap: 12px; align-items: center; }
.nav-toggle { display: none; font-size: 1.6rem; background: none; border: none; cursor: pointer; color: var(--brand-dark); }

/* Language selector */
.lang-select {
  padding: 8px 12px; border: 1px solid #d7e0ea; border-radius: 999px;
  font-family: var(--font-body); font-size: .82rem; font-weight: 600;
  color: var(--brand-dark); background: #fbfdff; cursor: pointer;
}

/* Mobile nav drawer */
.mobile-nav {
  display: none; position: fixed; inset: 0; z-index: 200;
  background: rgba(10,31,51,.55); backdrop-filter: blur(3px);
}
.mobile-nav.open { display: block; }
.mobile-nav .panel {
  position: absolute; top: 0; right: 0; width: min(320px, 86vw); height: 100%;
  background: var(--white); padding: 26px 22px; overflow-y: auto;
  box-shadow: -20px 0 50px rgba(10,31,51,.3);
}
.mobile-nav .panel h4 { font-family: var(--font-head); color: var(--brand-dark); margin-bottom: 16px; }
.mobile-nav .panel a {
  display: block; padding: 12px 4px; text-decoration: none; color: var(--ink);
  font-weight: 600; border-bottom: 1px solid #eef3f8;
}
.mobile-nav .panel a:hover { color: var(--brand-primary); }
.mobile-nav .close-x { float: right; font-size: 1.5rem; background: none; border: none; cursor: pointer; color: var(--brand-dark); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: linear-gradient(rgba(6,20,36,.80), rgba(6,20,36,.90)), url('../images/hero.jpg') center/cover no-repeat;
  color: var(--white);
  padding: 110px 0 130px;
}
.hero-inner { max-width: 760px; }
.hero .eyebrow {
  display: inline-block; letter-spacing: 3px; text-transform: uppercase;
  font-size: .78rem; font-weight: 700; color: var(--brand-accent-soft);
  border: 1px solid rgba(231,206,107,.45); padding: 7px 16px; border-radius: 999px; margin-bottom: 22px;
}
.hero h1 {
  font-family: var(--font-head); font-size: clamp(2.2rem, 5vw, 3.4rem);
  line-height: 1.15; margin-bottom: 20px; font-weight: 700;
}
.hero h1 em { color: var(--brand-accent-soft); font-style: normal; }
.hero p.lead { font-size: 1.13rem; color: #d7e2ee; max-width: 600px; margin-bottom: 34px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-stats {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px;
  margin-top: 70px; padding-top: 30px; border-top: 1px solid rgba(255,255,255,.18);
}
.hero-stats .stat b { font-family: var(--font-head); font-size: 1.7rem; color: var(--brand-accent-soft); display: block; }
.hero-stats .stat span { font-size: .82rem; color: #b9c7d6; letter-spacing: .4px; }

/* ---------- Sections ---------- */
section { padding: 84px 0; }
.section-light { background: var(--brand-light); }
.section-dark { background: var(--brand-dark); color: #dfe8f1; }

.section-head { text-align: center; max-width: 680px; margin: 0 auto 54px; }
.section-head .kicker {
  color: var(--brand-primary); font-weight: 700; letter-spacing: 2.5px;
  text-transform: uppercase; font-size: .75rem;
}
.section-head h2 { font-family: var(--font-head); font-size: clamp(1.7rem, 3.4vw, 2.4rem); margin: 10px 0 14px; color: var(--brand-dark); }
.section-head p { color: var(--ink-soft); }
.section-dark .section-head h2 { color: var(--white); }
.section-dark .section-head p { color: #b9c7d6; }

/* ---------- Cards ---------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.card {
  background: var(--white); border-radius: var(--radius);
  padding: 34px 28px; border: 1px solid #e6ecf3;
  box-shadow: 0 8px 24px rgba(10,31,51,.06);
  transition: transform .25s, box-shadow .25s;
}
.card:hover { transform: translateY(-6px); box-shadow: 0 16px 34px rgba(10,31,51,.12); }
.card .icon {
  width: 52px; height: 52px; border-radius: 12px;
  background: var(--brand-light); color: var(--brand-primary);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 18px;
}
.card h3 { font-family: var(--font-head); font-size: 1.22rem; margin-bottom: 10px; color: var(--brand-dark); }
.card p { color: var(--ink-soft); font-size: .95rem; }
.card .tags { margin-top: 14px; display: flex; gap: 8px; flex-wrap: wrap; }
.card .tag {
  font-size: .72rem; font-weight: 700; letter-spacing: .5px;
  background: var(--brand-light); color: var(--brand-primary);
  padding: 4px 10px; border-radius: 999px;
}

/* ---------- About / split ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split .photo { border-radius: var(--radius); overflow: hidden; box-shadow: 0 24px 50px rgba(10,31,51,.18); }
.split h2 { font-family: var(--font-head); font-size: clamp(1.6rem, 3vw, 2.2rem); color: var(--brand-dark); margin-bottom: 16px; }
.split p { color: var(--ink-soft); margin-bottom: 14px; }
.checklist { list-style: none; margin-top: 22px; }
.checklist li { padding-left: 34px; position: relative; margin-bottom: 12px; font-weight: 600; color: var(--ink); }
.checklist li::before {
  content: "\2713"; position: absolute; left: 0; top: 0;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--brand-accent); color: #231a00;
  font-size: .8rem; display: flex; align-items: center; justify-content: center; font-weight: 800;
}

/* ---------- Process / steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: step; }
.step { background: var(--white); border-radius: var(--radius); padding: 30px 24px; border-top: 4px solid var(--brand-accent); box-shadow: 0 8px 22px rgba(10,31,51,.07); }
.step .num { font-family: var(--font-head); font-size: 2.4rem; font-weight: 700; color: #e3eaf2; line-height: 1; }
.step h3 { font-size: 1.05rem; margin: 12px 0 8px; color: var(--brand-dark); }
.step p { font-size: .9rem; color: var(--ink-soft); }

/* ---------- Testimonials ---------- */
.quotes { display: grid; grid-template-columns: repeat(3,1fr); gap: 26px; }
.quote {
  background: var(--brand-dark); color: #dfe8f1; border-radius: var(--radius);
  padding: 30px 26px; position: relative;
}
.quote::before {
  content: "\201C"; font-family: var(--font-head); font-size: 4rem; color: var(--brand-accent);
  position: absolute; top: 8px; left: 20px; opacity: .5;
}
.quote p { margin: 18px 0 20px; font-style: italic; font-size: .95rem; position: relative; }
.quote .stars { color: var(--brand-accent-soft); letter-spacing: 2px; font-size: .9rem; }
.quote .who { font-weight: 700; color: var(--brand-accent-soft); font-size: .9rem; }
.quote .role { font-size: .78rem; color: #9db0c4; }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(120deg, var(--brand-primary), var(--brand-dark));
  color: var(--white); text-align: center; padding: 74px 24px;
}
.cta-band h2 { font-family: var(--font-head); font-size: clamp(1.6rem, 3vw, 2.3rem); margin-bottom: 14px; }
.cta-band p { color: #cfe0f2; max-width: 560px; margin: 0 auto 30px; }
.cta-band .hero-actions { justify-content: center; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 50px; }
.contact-info h3 { font-family: var(--font-head); color: var(--brand-dark); margin-bottom: 14px; font-size: 1.3rem; }
.contact-info p { color: var(--ink-soft); margin-bottom: 20px; }
.contact-line { display: flex; gap: 12px; align-items: center; margin-bottom: 14px; font-weight: 600; }
.contact-line .dot { width: 38px; height: 38px; border-radius: 50%; background: var(--brand-light); color: var(--brand-primary); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }

form.contact-form { background: var(--white); border: 1px solid #e6ecf3; border-radius: var(--radius); padding: 30px; box-shadow: 0 10px 30px rgba(10,31,51,.08); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-weight: 600; font-size: .88rem; margin-bottom: 6px; color: var(--ink); }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 14px; border: 1px solid #d7e0ea; border-radius: 9px;
  font-family: var(--font-body); font-size: .95rem; color: var(--ink); background: #fbfdff;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none; border-color: var(--brand-primary); box-shadow: 0 0 0 3px rgba(14,76,146,.14);
}
.form-group .hint { font-size: .78rem; color: var(--ink-soft); margin-top: 4px; }

/* ---------- Footer ---------- */
footer.site-footer { background: var(--brand-dark); color: #9db0c4; padding: 60px 0 30px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 36px; margin-bottom: 40px; }
.site-footer h4 { color: var(--white); font-size: .95rem; margin-bottom: 16px; letter-spacing: .5px; }
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: 10px; }
.site-footer a { color: #9db0c4; text-decoration: none; font-size: .9rem; }
.site-footer a:hover { color: var(--brand-accent-soft); }
.footer-about .logo-text { color: var(--white); }
.footer-about p { font-size: .88rem; margin-top: 14px; max-width: 320px; }
.footer-flags { margin-top: 14px; font-size: 1.1rem; letter-spacing: 4px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.12); padding-top: 24px;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: .8rem;
}
.disclaimer {
  background: rgba(255,255,255,.05); border-left: 3px solid var(--brand-accent);
  padding: 16px 18px; border-radius: 8px; font-size: .78rem; line-height: 1.6; margin-top: 30px;
}

/* ---------- Regulatory badge banner ---------- */
.regulatory-banner { background: #061423; color: #9db0c4; padding: 22px 0; border-top: 1px solid rgba(255,255,255,.08); }
.regulatory-banner .container { display: flex; flex-wrap: wrap; gap: 14px 26px; align-items: center; justify-content: center; font-size: .8rem; font-weight: 600; }
.regulatory-banner .badge { display: inline-flex; align-items: center; gap: 7px; color: #c8d4e0; }
.regulatory-banner .badge b { color: var(--brand-accent-soft); }

/* ---------- Trust bar ---------- */
.trust-bar { background: var(--brand-dark); color: #c8d4e0; padding: 16px 0; }
.trust-bar .container { display: flex; flex-wrap: wrap; gap: 12px 30px; align-items: center; justify-content: center; font-size: .84rem; font-weight: 600; }
.trust-bar .item { display: inline-flex; align-items: center; gap: 8px; }

/* ---------- Bonus banner ---------- */
.ev-bonus-banner { background: var(--brand-light); padding: 40px 0; }
.ev-bonus-banner .grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.bonus-card {
  background: var(--white); border: 1px solid #e6ecf3; border-radius: var(--radius);
  padding: 30px; box-shadow: 0 10px 30px rgba(10,31,51,.08);
  display: flex; gap: 20px; align-items: flex-start;
}
.bonus-card .bico { font-size: 2rem; flex-shrink: 0; }
.bonus-card h3 { font-family: var(--font-head); color: var(--brand-dark); font-size: 1.25rem; margin-bottom: 8px; }
.bonus-card p { color: var(--ink-soft); font-size: .93rem; margin-bottom: 14px; }
.bonus-card a { font-weight: 700; color: var(--brand-primary); text-decoration: none; }
.bonus-card a:hover { text-decoration: underline; }

/* ---------- Category grid ---------- */
.cat-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.cat-card {
  background: var(--white); border: 1px solid #e6ecf3; border-radius: var(--radius);
  padding: 24px 20px; box-shadow: 0 6px 18px rgba(10,31,51,.05);
  transition: transform .25s, box-shadow .25s;
}
.cat-card:hover { transform: translateY(-5px); box-shadow: 0 14px 30px rgba(10,31,51,.12); }
.cat-card .cico { font-size: 1.7rem; margin-bottom: 12px; }
.cat-card h3 { font-family: var(--font-head); font-size: 1.05rem; color: var(--brand-dark); margin-bottom: 6px; }
.cat-card p { font-size: .85rem; color: var(--ink-soft); margin-bottom: 12px; }
.cat-card .tags { display: flex; gap: 6px; flex-wrap: wrap; }
.cat-card .tag { font-size: .68rem; font-weight: 700; background: var(--brand-light); color: var(--brand-primary); padding: 3px 9px; border-radius: 999px; }

/* ---------- Region / portfolio cards ---------- */
.region-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.region-card {
  border-radius: var(--radius); padding: 28px 24px; color: #fff;
  background: linear-gradient(150deg, var(--brand-primary), var(--brand-dark));
  box-shadow: 0 14px 34px rgba(10,31,51,.2);
}
.region-card .flag { font-size: 1.8rem; margin-bottom: 12px; }
.region-card h3 { font-family: var(--font-head); font-size: 1.2rem; margin-bottom: 8px; }
.region-card p { font-size: .88rem; color: #d7e2ee; margin-bottom: 14px; }
.region-card ul { list-style: none; }
.region-card li { font-size: .84rem; color: #cfe0f2; padding: 5px 0; border-top: 1px solid rgba(255,255,255,.12); }

/* ---------- Security section ---------- */
.security-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.security-card {
  background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius); padding: 28px 24px;
}
.security-card .sico { font-size: 1.8rem; margin-bottom: 14px; }
.security-card h3 { font-family: var(--font-head); color: var(--white); font-size: 1.1rem; margin-bottom: 10px; }
.security-card p { font-size: .88rem; color: #b9c7d6; }

/* ---------- FAQ ---------- */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item { background: var(--white); border: 1px solid #e6ecf3; border-radius: var(--radius); margin-bottom: 14px; overflow: hidden; }
.faq-q {
  width: 100%; text-align: left; background: none; border: none; cursor: pointer;
  padding: 20px 24px; font-family: var(--font-head); font-size: 1.05rem; font-weight: 700;
  color: var(--brand-dark); display: flex; justify-content: space-between; align-items: center; gap: 14px;
}
.faq-q .chev { transition: transform .25s; color: var(--brand-accent); font-size: 1.1rem; }
.faq-item.open .faq-q .chev { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-item.open .faq-a { max-height: 600px; }
.faq-a p { padding: 0 24px 22px; color: var(--ink-soft); font-size: .93rem; }

/* ---------- Compare table ---------- */
.compare-wrap { overflow-x: auto; }
table.compare { width: 100%; border-collapse: collapse; background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: 0 10px 30px rgba(10,31,51,.08); }
table.compare th, table.compare td { padding: 14px 18px; text-align: left; font-size: .9rem; border-bottom: 1px solid #eef3f8; }
table.compare thead th { background: var(--brand-dark); color: #fff; font-family: var(--font-head); font-weight: 700; }
table.compare tbody tr:nth-child(even) { background: var(--brand-light); }
table.compare td.yes { color: #1d6b3f; font-weight: 700; }
table.compare td.no { color: #a12622; font-weight: 700; }

/* ---------- Market ticker ---------- */
.market-ticker { background: #061423; color: #c8d4e0; font-size: .8rem; padding: 9px 0; overflow: hidden; white-space: nowrap; }
.market-ticker .track { display: inline-block; animation: tickerScroll 42s linear infinite; }
.market-ticker .tk { display: inline-flex; gap: 8px; margin: 0 22px; align-items: center; }
.market-ticker .tk b { color: #fff; }
.market-ticker .up { color: #4ade80; }
.market-ticker .down { color: #f87171; }
@keyframes tickerScroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---------- Chat widget ---------- */
.chat-widget { position: fixed; right: 22px; bottom: 22px; z-index: 300; }
.chat-toggle {
  width: 58px; height: 58px; border-radius: 50%; border: none; cursor: pointer;
  background: linear-gradient(135deg, var(--brand-primary), var(--brand-dark));
  color: var(--brand-accent-soft); font-size: 1.5rem;
  box-shadow: 0 12px 30px rgba(10,31,51,.35);
}
.chat-box {
  display: none; position: absolute; right: 0; bottom: 72px; width: min(360px, 88vw);
  background: var(--white); border-radius: var(--radius); overflow: hidden;
  box-shadow: 0 24px 60px rgba(10,31,51,.35); border: 1px solid #e6ecf3;
}
.chat-box.open { display: block; }
.chat-head { background: var(--brand-dark); color: #fff; padding: 16px 18px; display: flex; justify-content: space-between; align-items: center; }
.chat-head h4 { font-family: var(--font-head); font-size: 1rem; }
.chat-head .sub { font-size: .74rem; color: var(--brand-accent-soft); }
.chat-head button { background: none; border: none; color: #fff; font-size: 1.2rem; cursor: pointer; }
.chat-messages { height: 280px; overflow-y: auto; padding: 16px; background: var(--brand-light); }
.chat-msg { max-width: 82%; padding: 10px 14px; border-radius: 12px; font-size: .88rem; margin-bottom: 10px; line-height: 1.5; }
.chat-msg.bot { background: var(--white); border: 1px solid #e6ecf3; color: var(--ink); }
.chat-msg.user { background: var(--brand-primary); color: #fff; margin-left: auto; }
.chat-input { display: flex; gap: 8px; padding: 12px; border-top: 1px solid #eef3f8; }
.chat-input input { flex: 1; padding: 10px 14px; border: 1px solid #d7e0ea; border-radius: 999px; font-family: var(--font-body); font-size: .88rem; }
.chat-input button { border: none; background: var(--brand-accent); color: #231a00; border-radius: 50%; width: 40px; height: 40px; cursor: pointer; font-size: 1rem; }

/* ---------- Cookie consent ---------- */
.cookie-consent {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 400;
  background: var(--brand-dark); color: #c8d4e0; padding: 18px 24px;
  display: none; align-items: center; justify-content: center; gap: 20px; flex-wrap: wrap;
  box-shadow: 0 -10px 30px rgba(10,31,51,.3);
}
.cookie-consent.show { display: flex; }
.cookie-consent p { font-size: .85rem; max-width: 720px; }
.cookie-consent a { color: var(--brand-accent-soft); }
.cookie-consent .actions { display: flex; gap: 12px; }

/* ---------- Press strip ---------- */
.press-strip { background: var(--brand-light); padding: 30px 0; }
.press-strip .container { display: flex; flex-wrap: wrap; gap: 18px 40px; align-items: center; justify-content: center; }
.press-strip .label { font-size: .74rem; letter-spacing: 2px; text-transform: uppercase; color: var(--ink-soft); font-weight: 700; }
.press-strip .outlet { font-family: var(--font-head); font-size: 1.05rem; color: var(--brand-dark); opacity: .75; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  background: linear-gradient(rgba(6,20,36,.82), rgba(6,20,36,.92)), url('../images/hero.jpg') center/cover no-repeat;
  color: #fff; padding: 84px 0 96px; text-align: center;
}
.page-hero h1 { font-family: var(--font-head); font-size: clamp(2rem, 4.5vw, 3rem); margin-bottom: 14px; }
.page-hero p { color: #d7e2ee; max-width: 680px; margin: 0 auto 26px; }
.page-hero .hero-actions { justify-content: center; }
.page-hero .flag-pills { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; margin-bottom: 20px; }
.page-hero .flag-pill { background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); padding: 6px 14px; border-radius: 999px; font-size: .82rem; font-weight: 600; }

/* ---------- Product / instrument cards ---------- */
.product-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.product-card {
  background: var(--white); border: 1px solid #e6ecf3; border-radius: var(--radius);
  padding: 24px; box-shadow: 0 8px 22px rgba(10,31,51,.06);
  display: flex; flex-direction: column;
}
.product-card .pico { font-size: 1.6rem; margin-bottom: 10px; }
.product-card h3 { font-family: var(--font-head); font-size: 1.1rem; color: var(--brand-dark); margin-bottom: 4px; }
.product-card .pdesc { font-size: .85rem; color: var(--ink-soft); margin-bottom: 12px; }
.product-card .pmeta { display: flex; justify-content: space-between; align-items: center; margin-bottom: 14px; font-size: .82rem; }
.product-card .risk { font-weight: 700; padding: 3px 10px; border-radius: 999px; font-size: .72rem; }
.risk.low { background: #e8f6ee; color: #1d6b3f; }
.risk.medium { background: #fdf3e0; color: #9a6b00; }
.risk.high { background: #fdecec; color: #a12622; }
.product-card .price { font-family: var(--font-head); font-size: 1.15rem; color: var(--brand-dark); font-weight: 700; }
.product-card .btn { margin-top: auto; }

/* ---------- Loan cards ---------- */
.loan-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.loan-card {
  background: var(--white); border: 1px solid #e6ecf3; border-radius: var(--radius);
  padding: 26px 24px; box-shadow: 0 8px 22px rgba(10,31,51,.06);
}
.loan-card .lico { font-size: 1.7rem; margin-bottom: 12px; }
.loan-card h3 { font-family: var(--font-head); font-size: 1.12rem; color: var(--brand-dark); margin-bottom: 6px; }
.loan-card .rate { font-weight: 700; color: var(--brand-primary); font-size: .92rem; margin-bottom: 10px; }
.loan-card .tags { display: flex; gap: 8px; flex-wrap: wrap; }
.loan-card .tag { font-size: .72rem; font-weight: 700; background: var(--brand-light); color: var(--brand-primary); padding: 4px 10px; border-radius: 999px; }

/* ---------- Portfolio detail cards ---------- */
.portfolio-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.portfolio-card {
  background: var(--white); border: 1px solid #e6ecf3; border-radius: var(--radius);
  padding: 28px 24px; box-shadow: 0 10px 28px rgba(10,31,51,.08);
  display: flex; flex-direction: column;
}
.portfolio-card .ret { font-family: var(--font-head); font-size: 2rem; color: var(--brand-primary); font-weight: 700; }
.portfolio-card .ret small { font-size: .8rem; color: var(--ink-soft); font-weight: 500; }
.portfolio-card h3 { font-family: var(--font-head); font-size: 1.2rem; color: var(--brand-dark); margin: 6px 0 4px; }
.portfolio-card .riskline { font-size: .8rem; color: var(--ink-soft); margin-bottom: 12px; }
.portfolio-card p { font-size: .88rem; color: var(--ink-soft); margin-bottom: 16px; }
.alloc { list-style: none; margin-bottom: 16px; }
.alloc li { display: flex; justify-content: space-between; font-size: .82rem; padding: 5px 0; border-bottom: 1px dashed #e6ecf3; }
.alloc li b { color: var(--brand-dark); }
.portfolio-card .specs { list-style: none; margin-bottom: 18px; }
.portfolio-card .specs li { display: flex; justify-content: space-between; font-size: .82rem; padding: 4px 0; }
.portfolio-card .specs li span:first-child { color: var(--ink-soft); }
.portfolio-card .specs li span:last-child { font-weight: 700; color: var(--brand-dark); }
.portfolio-card .btn { margin-top: auto; }

/* ---------- Stats row (about) ---------- */
.stats-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.stat-card {
  background: var(--white); border: 1px solid #e6ecf3; border-radius: var(--radius);
  padding: 26px 22px; text-align: center; box-shadow: 0 8px 22px rgba(10,31,51,.06);
}
.stat-card .val { font-family: var(--font-head); font-size: 1.9rem; color: var(--brand-primary); font-weight: 700; }
.stat-card .lbl { font-size: .82rem; color: var(--ink-soft); margin-top: 4px; }

/* ---------- Team ---------- */
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.team-card { background: var(--white); border: 1px solid #e6ecf3; border-radius: var(--radius); padding: 26px 22px; text-align: center; box-shadow: 0 8px 22px rgba(10,31,51,.06); }
.team-card .avatar { width: 64px; height: 64px; border-radius: 50%; margin: 0 auto 14px; background: linear-gradient(135deg, var(--brand-primary), var(--brand-dark)); color: var(--brand-accent-soft); display: flex; align-items: center; justify-content: center; font-family: var(--font-head); font-size: 1.3rem; font-weight: 700; }
.team-card h3 { font-family: var(--font-head); font-size: 1.05rem; color: var(--brand-dark); }
.team-card .role { font-size: .8rem; color: var(--brand-primary); font-weight: 700; margin-bottom: 8px; }
.team-card p { font-size: .82rem; color: var(--ink-soft); }

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.muted { color: var(--ink-soft); }
.hidden { display: none !important; }
.badge-uk { display: inline-flex; align-items: center; gap: 6px; background: var(--brand-light); color: var(--brand-primary); font-weight: 700; font-size: .78rem; padding: 5px 12px; border-radius: 999px; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .cat-grid, .region-grid, .security-grid, .product-grid, .loan-grid, .portfolio-grid, .team-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 940px) {
  .cards, .quotes { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .split { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .stats-row { grid-template-columns: 1fr 1fr; }
  nav.main-nav { display: none; }
  .nav-toggle { display: block; }
  .nav-cta .btn { display: none; }
  .ev-bonus-banner .grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .cards, .quotes, .steps, .form-row, .footer-grid, .cat-grid, .region-grid, .security-grid,
  .product-grid, .loan-grid, .portfolio-grid, .team-grid, .stats-row { grid-template-columns: 1fr; }
  section { padding: 60px 0; }
  .hero { padding: 70px 0 90px; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
}

/* ---------- Print ---------- */
@media print {
  .topbar, header.site-header, .chat-widget, .cookie-consent, .market-ticker, .mobile-nav { display: none !important; }
  body { color: #000; }
  .hero, .page-hero, .cta-band, footer.site-footer { background: #fff !important; color: #000 !important; }
}

/* ============================================================
   AUTH PAGES (login / register / reset)
   ============================================================ */
.auth-hero { background: linear-gradient(rgba(6,20,36,.78), rgba(6,20,36,.88)), url('../images/hero.jpg') center/cover no-repeat; color: var(--white); padding: 70px 0 90px; text-align: center; }
.auth-hero h1 { font-family: var(--font-head); font-size: clamp(1.9rem, 4vw, 2.6rem); margin-bottom: 12px; }
.auth-hero p { color: #d7e2ee; max-width: 560px; margin: 0 auto 8px; }
.auth-hero .bonus-chip { display: inline-block; margin-top: 14px; background: rgba(201,162,39,.16); color: var(--brand-accent-soft); border: 1px solid rgba(231,206,107,.45); padding: 8px 18px; border-radius: 999px; font-weight: 700; font-size: .9rem; }
.auth-card { max-width: 560px; margin: -40px auto 80px; background: var(--white); border-radius: var(--radius); box-shadow: 0 24px 50px rgba(10,31,51,.18); padding: 38px 34px; position: relative; z-index: 5; border: 1px solid #e6ecf3; }
.auth-card.wide { max-width: 680px; }
.auth-card h2 { font-family: var(--font-head); color: var(--brand-dark); font-size: 1.5rem; margin-bottom: 6px; }
.auth-card .sub { color: var(--ink-soft); font-size: .92rem; margin-bottom: 24px; }
.auth-foot { text-align: center; margin-top: 18px; font-size: .9rem; color: var(--ink-soft); }
.auth-foot a { color: var(--brand-primary); font-weight: 600; text-decoration: none; }
.auth-foot a:hover { text-decoration: underline; }
.alert { padding: 12px 16px; border-radius: 9px; font-size: .9rem; margin-bottom: 16px; display: none; }
.alert.error { background: #fdecec; color: #a12622; border: 1px solid #f2c4c4; }
.alert.success { background: #e8f6ee; color: #1d6b3f; border: 1px solid #bfe5cf; }
.alert.show { display: block; }
.agree-row { display: flex; gap: 10px; align-items: flex-start; margin: 18px 0 6px; }
.agree-row input[type="checkbox"] { margin-top: 3px; width: 16px; height: 16px; accent-color: var(--brand-accent); cursor: pointer; flex-shrink: 0; }
.agree-row label { font-size: .85rem; color: var(--ink); line-height: 1.5; cursor: pointer; }
.agree-row label a { color: var(--brand-dark); font-weight: 600; text-decoration: underline; }
.step-dots { display: flex; gap: 8px; justify-content: center; margin-bottom: 22px; }
.step-dots .dot { width: 30px; height: 5px; border-radius: 999px; background: #dbe4ee; }
.step-dots .dot.on { background: var(--brand-accent); }

/* ============================================================
   DASHBOARD (user + admin)
   ============================================================ */
.dash-wrap { background: var(--brand-light); min-height: 100vh; padding: 30px 0 70px; }
.dash-head { display: flex; justify-content: space-between; align-items: flex-start; flex-wrap: wrap; gap: 16px; margin-bottom: 26px; }
.dash-head h1 { font-family: var(--font-head); color: var(--brand-dark); font-size: 1.9rem; }
.dash-head .sub { color: var(--ink-soft); font-size: .92rem; }
.dash-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-bottom: 26px; }
.dash-card { background: var(--white); border: 1px solid #e6ecf3; border-radius: var(--radius); padding: 22px; box-shadow: 0 8px 22px rgba(10,31,51,.05); }
.dash-card .lbl { font-size: .78rem; text-transform: uppercase; letter-spacing: 1px; color: var(--ink-soft); font-weight: 700; }
.dash-card .val { font-family: var(--font-head); font-size: 1.7rem; color: var(--brand-primary); font-weight: 700; margin-top: 6px; }
.dash-card .val.gold { color: var(--brand-accent); }
.panel { background: var(--white); border: 1px solid #e6ecf3; border-radius: var(--radius); box-shadow: 0 8px 22px rgba(10,31,51,.05); margin-bottom: 24px; overflow: hidden; }
.panel-head { padding: 18px 22px; border-bottom: 1px solid #eef3f8; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; }
.panel-head h3 { font-family: var(--font-head); color: var(--brand-dark); font-size: 1.15rem; }
.panel-body { padding: 22px; }
.tabs { display: flex; gap: 6px; flex-wrap: wrap; border-bottom: 1px solid #eef3f8; padding: 0 22px; }
.tabs button { background: none; border: none; padding: 14px 16px; font-family: var(--font-body); font-size: .9rem; font-weight: 600; color: var(--ink-soft); cursor: pointer; border-bottom: 3px solid transparent; }
.tabs button.active { color: var(--brand-primary); border-bottom-color: var(--brand-accent); }
.tab-pane { display: none; }
.tab-pane.active { display: block; }
table.data { width: 100%; border-collapse: collapse; font-size: .88rem; }
table.data th { text-align: left; padding: 12px 14px; background: var(--brand-light); color: var(--brand-dark); font-weight: 700; font-size: .78rem; text-transform: uppercase; letter-spacing: .5px; }
table.data td { padding: 12px 14px; border-bottom: 1px solid #eef3f8; }
table.data tr:hover td { background: #fafcfe; }
.pill { display: inline-block; padding: 3px 10px; border-radius: 999px; font-size: .72rem; font-weight: 700; }
.pill.ok { background: #e8f6ee; color: #1d6b3f; }
.pill.warn { background: #fdf3e0; color: #9a6b00; }
.pill.bad { background: #fdecec; color: #a12622; }
.pill.info { background: #e7f0fa; color: var(--brand-primary); }
.empty { text-align: center; padding: 40px 20px; color: var(--ink-soft); font-size: .92rem; }
.kv { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 26px; }
.kv .row { display: flex; justify-content: space-between; border-bottom: 1px dashed #e6ecf3; padding: 8px 0; font-size: .9rem; }
.kv .row span:first-child { color: var(--ink-soft); }
.kv .row span:last-child { font-weight: 700; color: var(--brand-dark); }
.copy-field { display: flex; gap: 8px; align-items: center; }
.copy-field code { flex: 1; background: var(--brand-light); border: 1px solid #dbe4ee; border-radius: 8px; padding: 9px 12px; font-size: .82rem; word-break: break-all; }
@media (max-width: 940px) { .dash-grid { grid-template-columns: 1fr 1fr; } .kv { grid-template-columns: 1fr; } }
@media (max-width: 640px) { .dash-grid { grid-template-columns: 1fr; } .auth-card { padding: 28px 22px; margin: -30px 14px 60px; } }