/* =========================================================
   ETHK Insurance Brokers Limited – website styles
   Palette taken from the ETHK logo and business cards:
   navy wordmark, royal blue curves, sky-blue waves, silver highlight.
   ========================================================= */
:root {
  --navy: #13214a;          /* logo wordmark */
  --navy-2: #0e1a3c;
  --blue: #1f3f95;          /* royal blue curve */
  --blue-2: #2a56c6;
  --sky: #4aa3df;           /* light wave */
  --sky-soft: #7cc4f0;
  --tint: #eaf1fb;
  --tint-2: #f5f8fd;
  --ink: #1f2a3d;
  --muted: #5b6678;
  --line: #dde4f0;
  --silver: #c9d2e0;
  --red: #c62d2d;
  --white: #fff;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(19, 33, 74, .10);
  --shadow-lg: 0 22px 54px rgba(19, 33, 74, .18);
  --nav-h: 72px;
  --max: 1200px;
  --serif: "Playfair Display", "Times New Roman", Georgia, serif;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--nav-h) + 8px); -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: "Noto Sans TC", "Microsoft JhengHei", "PingFang TC", system-ui, sans-serif;
  color: var(--ink); background: var(--white); line-height: 1.75; font-size: 16px;
}
:root[data-lang="en"] body { font-family: "Noto Sans", "Noto Sans TC", "Helvetica Neue", Arial, sans-serif; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue-2); }
h1, h2, h3, h4 { margin: 0; line-height: 1.35; color: var(--navy); }
p { margin: 0 0 1em; }
button { font: inherit; cursor: pointer; }
:focus-visible { outline: 3px solid var(--sky); outline-offset: 2px; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 16px; }
@media (min-width: 640px) { .container { padding: 0 24px; } }
@media (min-width: 1024px) { .container { padding: 0 32px; } }

/* ---------- Logo (text wordmark, follows the ETHK logo) ---------- */
.logo { display: inline-flex; flex-direction: column; align-items: center; line-height: 1; color: var(--navy); }
.logo-mark { font-family: var(--serif); font-weight: 700; font-size: 34px; letter-spacing: .01em; line-height: .95; }
.logo-sub { margin-top: 4px; font-family: "Noto Sans", Arial, sans-serif; font-weight: 500; font-size: 7px; letter-spacing: .2em; text-transform: uppercase; padding-left: .2em; white-space: nowrap; }
.logo-lg .logo-mark { font-size: clamp(56px, 8vw, 84px); }
.logo-lg .logo-sub { font-size: clamp(9px, 1.05vw, 12px); margin-top: 8px; }
.logo-light { color: #fff; }
.logo-light .logo-mark { font-size: 46px; }
.logo-light .logo-sub { font-size: 8.4px; color: var(--silver); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 46px; padding: 0 26px; border-radius: 999px; border: 1.5px solid transparent;
  font-weight: 500; letter-spacing: .05em; font-size: 15px; white-space: nowrap;
  transition: background .25s, color .25s, transform .25s, box-shadow .25s, border-color .25s;
}
.btn svg { width: 18px; height: 18px; }
.btn-sm { min-height: 40px; padding: 0 18px; font-size: 14px; }
.btn-primary { background: var(--blue); color: #fff; box-shadow: 0 8px 20px rgba(31, 63, 149, .25); }
.btn-primary:hover { background: var(--navy); color: #fff; transform: translateY(-2px); }
.btn-outline { background: transparent; color: var(--blue); border-color: var(--blue); }
.btn-outline:hover { background: var(--blue); color: #fff; }
.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { background: var(--sky-soft); color: var(--navy); transform: translateY(-2px); }
.btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .6); }
.btn-ghost-light:hover { background: rgba(255, 255, 255, .12); color: #fff; border-color: #fff; }

/* =========================================================
   Header / Navigation
   ========================================================= */
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .96);
  backdrop-filter: saturate(160%) blur(10px); -webkit-backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid transparent; transition: box-shadow .3s, border-color .3s;
}
.site-header.is-scrolled { box-shadow: 0 6px 24px rgba(19, 33, 74, .10); border-color: var(--line); }
.nav-bar { display: flex; align-items: center; justify-content: space-between; height: var(--nav-h); gap: 16px; }
.brand { display: flex; align-items: center; flex: none; }
.brand:hover .logo { color: var(--blue); }
.nav-links, .nav-actions { display: none; }
.header-tools { display: flex; align-items: center; gap: 8px; flex: none; }
.header-tools .lang-switch button { padding: 6px 10px; min-width: 40px; }
.nav-toggle {
  flex: none; width: 46px; height: 46px; border-radius: 10px; border: 1px solid var(--line);
  background: #fff; display: grid; place-items: center; color: var(--navy);
}
.nav-toggle svg { width: 24px; height: 24px; }
.nav-toggle .icon-close { display: none; }
.nav-open .nav-toggle .icon-open { display: none; }
.nav-open .nav-toggle .icon-close { display: block; }

.mobile-menu {
  position: fixed; inset: var(--nav-h) 0 0 0; z-index: 49; background: #fff; overflow-y: auto;
  transform: translateX(100%); visibility: hidden; transition: transform .3s ease, visibility .3s;
}
.nav-open .mobile-menu { transform: none; visibility: visible; }
.nav-open { overflow: hidden; }
.mobile-menu nav { display: flex; flex-direction: column; padding: 8px 16px 24px; }
.mobile-menu nav a {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 4px; border-bottom: 1px solid var(--line); color: var(--navy); font-size: 17px; font-weight: 500;
}
.mobile-menu nav a::after { content: "›"; color: var(--sky); font-size: 22px; line-height: 1; }
.mobile-menu .mobile-extra { padding: 8px 20px 32px; display: grid; gap: 12px; }
.mobile-menu .btn { width: 100%; }

.lang-switch { display: flex; align-items: center; gap: 4px; background: var(--tint-2); border: 1px solid var(--line); border-radius: 999px; padding: 4px; }
.lang-switch button {
  padding: 6px 14px; border: 0; border-radius: 999px; background: transparent; font-size: 14px; line-height: 1.2; color: var(--muted);
  min-width: 44px; min-height: 32px; display: grid; place-items: center; transition: background .2s, color .2s;
}
.lang-switch button:hover { color: var(--blue); }
.lang-switch button.is-active { background: var(--navy); color: #fff; cursor: default; }

@media (min-width: 1100px) {
  :root { --nav-h: 84px; }
  .site-header .container { max-width: 1360px; }
  .nav-toggle, .mobile-menu, .header-tools { display: none; }
  .nav-links { display: flex; align-items: center; gap: 2px; }
  .nav-links a {
    position: relative; padding: 8px 12px; color: var(--navy); font-size: 15px; font-weight: 500; letter-spacing: .04em; white-space: nowrap;
  }
  .nav-links a::after {
    content: ""; position: absolute; left: 12px; right: 12px; bottom: 2px; height: 2px;
    background: var(--sky); transform: scaleX(0); transition: transform .25s;
  }
  .nav-links a:hover, .nav-links a.is-active { color: var(--blue); }
  .nav-links a:hover::after, .nav-links a.is-active::after { transform: scaleX(1); }
  .nav-actions { display: flex; align-items: center; gap: 12px; }
  .logo-mark { font-size: 40px; }
  .logo-sub { font-size: 7.4px; }
}
@media (min-width: 1100px) and (max-width: 1279px) {
  .nav-links a { padding: 8px 9px; }
  .nav-links a::after { left: 9px; right: 9px; }
  :root[data-lang="en"] .nav-links a { letter-spacing: .01em; font-size: 14px; }
}

/* =========================================================
   Masthead (hero) – waves echo the business cards
   ========================================================= */
.masthead {
  position: relative; overflow: hidden; color: #fff;
  background: radial-gradient(120% 140% at 0% 0%, #1d3274 0%, var(--navy) 55%, var(--navy-2) 100%);
}
.masthead-waves { position: absolute; inset: 0; width: 100%; height: 100%; }
.masthead-inner {
  position: relative; display: grid; gap: 40px; align-items: center;
  padding-top: clamp(56px, 10vw, 112px); padding-bottom: clamp(96px, 12vw, 150px);
}
.masthead .eyebrow {
  display: inline-flex; align-items: center; gap: 10px; font-size: 13px; letter-spacing: .2em; font-weight: 700; color: var(--sky-soft);
}
.masthead .eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--sky); }
.masthead h1 { text-wrap: balance; color: #fff; font-size: clamp(30px, 6.4vw, 54px); letter-spacing: .04em; margin: 14px 0 18px; line-height: 1.25; }
:root[data-lang="en"] .masthead h1 { letter-spacing: 0; }
.masthead p { color: #d4def0; font-size: clamp(15px, 2vw, 18px); max-width: 560px; }
.masthead-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.brand-card {
  display: none; justify-self: end; width: min(100%, 440px); aspect-ratio: 1.75;
  background: #fff; border-radius: 18px; box-shadow: 0 30px 70px rgba(5, 12, 35, .45);
  position: relative; overflow: hidden; padding: 28px; flex-direction: column; align-items: center; justify-content: center; gap: 18px;
  transform: rotate(-3deg);
}
.brand-card::before { /* the royal-blue arc of the card */
  content: ""; position: absolute; right: -58%; top: -60%; width: 80%; height: 220%; border-radius: 50%;
  background: linear-gradient(160deg, var(--blue-2), var(--blue)); box-shadow: -6px 0 0 rgba(31, 63, 149, .15);
}
.brand-card::after { content: ""; position: absolute; right: -53%; top: -60%; width: 80%; height: 220%; border-radius: 50%; border-left: 2px solid rgba(255, 255, 255, .7); }
.brand-card .logo { position: relative; z-index: 1; margin-right: 18%; }
.brand-card-line { position: relative; z-index: 1; font-size: 11px; color: var(--muted); margin-right: 18%; letter-spacing: .02em; font-family: "Noto Sans", Arial, sans-serif; }
@media (min-width: 960px) {
  .masthead-inner { grid-template-columns: 1.15fr 1fr; }
  .brand-card { display: flex; }
}
.masthead-text > * { animation: rise .9s cubic-bezier(.2, .7, .2, 1) both; }
.masthead-text > :nth-child(2) { animation-delay: .1s; }
.masthead-text > :nth-child(3) { animation-delay: .2s; }
.masthead-text > :nth-child(4) { animation-delay: .3s; }
.brand-card { animation: card-in 1.1s .2s cubic-bezier(.2, .7, .2, 1) both; }
@keyframes rise { from { opacity: 0; transform: translateY(18px); } }
@keyframes card-in { from { opacity: 0; transform: rotate(-8deg) translateY(30px); } }

/* ---------- Key facts (a credentials strip inside the masthead) ---------- */
.masthead .masthead-inner { padding-bottom: clamp(40px, 6vw, 64px); }
.stats { position: relative; padding-bottom: clamp(88px, 11vw, 136px); }
.stats-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px 20px; border-top: 1px solid rgba(255, 255, 255, .16); }
.stat { position: relative; padding-top: 20px; min-width: 0; display: flex; flex-direction: column; gap: 6px; }
.stat::before { content: ""; position: absolute; left: 0; top: -1px; width: 36px; height: 2px; background: var(--sky); }
.stat strong { font-family: "Playfair Display", "Noto Sans TC", "PingFang TC", sans-serif; font-variant-numeric: lining-nums; font-size: clamp(26px, 6vw, 38px); font-weight: 700; color: #fff; line-height: 1.1; letter-spacing: .01em; overflow-wrap: anywhere; }
.stat span { font-size: 13px; color: #a9bbdc; letter-spacing: .06em; line-height: 1.5; }
@media (min-width: 768px) {
  .stats-grid { grid-template-columns: repeat(4, 1fr); gap: 0; }
  .stat { padding: 24px 24px 0; border-left: 1px solid rgba(255, 255, 255, .12); }
  .stat:first-child { padding-left: 0; border-left: 0; }
  .stat:not(:first-child)::before { left: 24px; }
}

/* =========================================================
   Sections
   ========================================================= */
.section { padding: 72px 0; position: relative; }
@media (min-width: 1024px) { .section { padding: 100px 0; } }
.section-tint { background: linear-gradient(180deg, var(--tint-2), #fff); }
.section-navy { background: linear-gradient(160deg, var(--navy) 0%, #1a2d66 100%); color: #d4def0; overflow: hidden; }
.section-navy::before { /* soft wave in the corner */
  content: ""; position: absolute; right: -200px; bottom: -260px; width: 620px; height: 620px; border-radius: 50%;
  border: 70px solid rgba(74, 163, 223, .10);
}
.section-head { margin-bottom: 40px; max-width: 760px; }
.section-head .kicker { display: block; font-size: 12px; letter-spacing: .3em; color: var(--sky); font-weight: 700; text-transform: uppercase; margin-bottom: 8px; }
.section-head h2 { font-size: clamp(26px, 5vw, 36px); letter-spacing: .06em; position: relative; padding-bottom: 16px; }
.section-head h2::after { content: ""; position: absolute; left: 0; bottom: 0; width: 56px; height: 3px; border-radius: 2px; background: linear-gradient(90deg, var(--blue), var(--sky)); }
:root[data-lang="en"] .section-head h2 { letter-spacing: .01em; }
.section-intro { margin: 18px 0 0; color: var(--muted); font-size: 16px; }
.section-navy .section-head h2 { color: #fff; }
.sub-title { font-size: 20px; margin: 56px 0 22px; display: flex; align-items: center; gap: 10px; }
.sub-title::before { content: ""; width: 6px; height: 22px; border-radius: 3px; background: var(--sky); }

.reveal { opacity: 0; transform: translateY(28px); transition: opacity .8s ease, transform .8s ease; }
.reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .masthead-text > *, .brand-card { animation: none; }
}

/* ---------- About ---------- */
.about-layout { display: grid; gap: 32px; align-items: start; }
@media (min-width: 1024px) { .about-layout { grid-template-columns: 1.4fr 1fr; gap: 56px; } }
.big-heading { font-size: clamp(26px, 4.6vw, 40px); color: var(--blue); margin-bottom: 20px; letter-spacing: .03em; }
:root[data-lang="en"] .big-heading { letter-spacing: 0; }
.prose p { font-size: 16.5px; line-height: 1.95; color: var(--ink); }
.history-card { background: var(--tint-2); border: 1px solid var(--line); border-radius: 18px; padding: 26px 24px; }
.history-card h3 { font-size: 18px; margin-bottom: 18px; }
.timeline { list-style: none; margin: 0; padding: 0; position: relative; }
.timeline::before { content: ""; position: absolute; left: 6px; top: 8px; bottom: 8px; width: 2px; background: linear-gradient(var(--blue), var(--sky)); }
.timeline li { position: relative; padding-left: 30px; }
.timeline li + li { margin-top: 18px; }
.timeline li::before { content: ""; position: absolute; left: 0; top: 6px; width: 14px; height: 14px; border-radius: 50%; background: #fff; border: 3px solid var(--blue); }
.timeline li:last-child::before { background: var(--sky); border-color: var(--sky); box-shadow: 0 0 0 4px rgba(74, 163, 223, .25); }
.timeline time { display: block; font-weight: 700; color: var(--blue); font-size: 14px; letter-spacing: .04em; }
.timeline p { margin: 2px 0 0; font-size: 14.5px; color: var(--ink); }

.values { display: grid; gap: 16px; }
@media (min-width: 640px) { .values { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .values { grid-template-columns: repeat(4, 1fr); } }
.value {
  position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 22px;
  transition: transform .3s, box-shadow .3s, border-color .3s; overflow: hidden;
}
.value::before { content: ""; position: absolute; left: 0; top: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--blue), var(--sky)); transform: scaleX(0); transform-origin: left; transition: transform .35s; }
.value:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.value:hover::before { transform: scaleX(1); }
.value .num { font-family: var(--serif); font-size: 30px; font-weight: 700; color: var(--tint); -webkit-text-stroke: 1px var(--sky); line-height: 1; }
.value h4 { font-size: 18px; margin: 12px 0 6px; }
.value p { font-size: 14.5px; color: var(--muted); margin: 0; }

/* ---------- Services ---------- */
.services { display: grid; gap: 18px; }
@media (min-width: 640px) { .services { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .services { grid-template-columns: repeat(3, 1fr); gap: 22px; } }
.service {
  background: #fff; border-radius: 18px; padding: 28px 26px; border: 1px solid var(--line);
  transition: transform .3s, box-shadow .3s; position: relative; overflow: hidden;
}
.service::after { content: ""; position: absolute; right: -60px; bottom: -60px; width: 140px; height: 140px; border-radius: 50%; border: 18px solid var(--tint); transition: transform .4s; }
.service:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.service:hover::after { transform: scale(1.2); }
.service-ic { width: 54px; height: 54px; border-radius: 16px; display: grid; place-items: center; color: #fff; background: linear-gradient(140deg, var(--blue-2), var(--navy)); box-shadow: 0 10px 22px rgba(31, 63, 149, .28); }
.service-ic svg { width: 26px; height: 26px; }
.service h3 { font-size: 19px; margin: 18px 0 8px; }
.service p { font-size: 15px; color: var(--muted); margin: 0; position: relative; z-index: 1; }

/* ---------- Team ---------- */
/* what the team brings: three short points under the intro */
.team-points { display: grid; gap: 14px; margin-top: 32px; }
@media (min-width: 900px) { .team-points { grid-template-columns: repeat(3, 1fr); gap: 20px; } }
.team-point { display: flex; gap: 16px; align-items: flex-start; padding: 22px 20px; border-radius: var(--radius); background: var(--tint-2); border: 1px solid var(--line); }
.team-point-ic { flex: none; width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; color: var(--blue); background: #fff; box-shadow: 0 6px 16px rgba(31, 63, 149, .12); }
.team-point-ic svg { width: 22px; height: 22px; }
.team-point h4 { font-size: 16.5px; margin: 2px 0 6px; }
.team-point p { margin: 0; font-size: 14.5px; line-height: 1.8; color: var(--muted); }

/* how the team works with you: numbered steps on a line (vertical on phones, across on desktop) */
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 26px; }
.step { position: relative; padding-left: 66px; }
.step-num {
  position: absolute; left: 0; top: 0; width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center;
  color: #fff; font-weight: 700; font-size: 15px; letter-spacing: .04em;
  background: linear-gradient(140deg, var(--blue-2), var(--navy)); box-shadow: 0 8px 18px rgba(31, 63, 149, .25);
}
.step:not(:last-child)::after { content: ""; position: absolute; left: 22px; top: 54px; bottom: -22px; width: 2px; background: linear-gradient(var(--blue), var(--sky)); opacity: .35; }
.step h4 { font-size: 17px; margin: 10px 0 6px; }
.step p { margin: 0; font-size: 15px; line-height: 1.8; color: var(--muted); }
@media (min-width: 1024px) {
  .steps { grid-template-columns: repeat(4, 1fr); gap: 28px; }
  .step { padding: 64px 0 0; }
  .step:not(:last-child)::after { left: 58px; right: -16px; top: 22px; bottom: auto; width: auto; height: 2px; background: linear-gradient(90deg, var(--blue), var(--sky)); }
}
.steps + .team-grid:not([hidden]) { margin-top: 48px; }

/* call to action at the end of the section → 聯絡我們 */
.cta-band {
  position: relative; overflow: hidden; margin-top: 52px; padding: 28px 26px; border-radius: 18px;
  display: flex; flex-direction: column; align-items: flex-start; gap: 18px;
  color: #dbe6f7; background: linear-gradient(120deg, var(--blue) 0%, var(--blue-2) 100%); box-shadow: var(--shadow-lg);
}
.cta-band::after { content: ""; position: absolute; right: -70px; top: -70px; width: 220px; height: 220px; border-radius: 50%; border: 26px solid rgba(124, 196, 240, .16); pointer-events: none; }
.cta-band > * { position: relative; z-index: 1; }
.cta-band h3 { color: #fff; font-size: clamp(20px, 2.6vw, 24px); }
.cta-band p { margin: 6px 0 0; font-size: 15px; line-height: 1.8; }
@media (min-width: 768px) { .cta-band { flex-direction: row; align-items: center; justify-content: space-between; gap: 32px; padding: 34px 44px; } }
.team-grid { display: grid; gap: 20px; }
@media (min-width: 640px) { .team-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .team-grid { grid-template-columns: repeat(3, 1fr); gap: 24px; } }
.member { background: #fff; border: 1px solid var(--line); border-radius: 18px; overflow: hidden; display: flex; flex-direction: column; transition: box-shadow .3s, transform .3s; }
.member:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.member-photo { aspect-ratio: 4 / 3; background: linear-gradient(150deg, var(--navy), var(--blue-2)); position: relative; overflow: hidden; }
.member-photo::after { content: ""; position: absolute; left: -10%; right: -10%; bottom: -40%; height: 70%; border-radius: 50%; border-top: 2px solid rgba(255, 255, 255, .35); }
.member-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 25%; }
.member-photo .avatar { position: absolute; inset: 0; display: grid; place-items: center; font-family: var(--serif); font-size: 64px; font-weight: 700; color: rgba(255, 255, 255, .9); letter-spacing: .04em; }
.member-body { padding: 22px 22px 24px; }
.member h3 { font-size: 19px; }
.member-title { margin: 4px 0 0; color: var(--blue); font-weight: 500; font-size: 15px; }
.member-licence { margin: 8px 0 0; display: inline-block; font-size: 12.5px; color: var(--muted); background: var(--tint-2); border: 1px solid var(--line); border-radius: 999px; padding: 2px 10px; letter-spacing: .03em; }
.member-bio { margin-top: 14px; padding-top: 14px; border-top: 1px dashed var(--line); }
.member-bio p { font-size: 14.5px; color: var(--ink); margin: 0 0 .6em; }
.member-bio p:last-child { margin: 0; }

/* ---------- Company information ---------- */
.company-layout { display: grid; gap: 24px; position: relative; }
@media (min-width: 1024px) { .company-layout { grid-template-columns: 1.6fr 1fr; gap: 32px; align-items: start; } }
.info-table { margin: 0; background: #fff; border-radius: 18px; overflow: hidden; box-shadow: var(--shadow-lg); }
.info-row { display: grid; grid-template-columns: 1fr; border-bottom: 1px solid var(--line); }
.info-row:last-child { border-bottom: 0; }
.info-row dt { background: var(--blue); color: #fff; font-weight: 500; font-size: 14px; padding: 10px 18px 8px; letter-spacing: .04em; }
.info-row dd { margin: 0; padding: 10px 18px 12px; color: var(--ink); font-size: 15px; overflow-wrap: anywhere; }
.info-row:nth-child(even) dd { background: var(--tint-2); }
@media (min-width: 640px) {
  .info-row { grid-template-columns: 200px 1fr; }
  .info-row dt { padding: 14px 20px; border-bottom: 1px solid rgba(255, 255, 255, .12); }
  .info-row dd { padding: 14px 20px; }
}
.verify-card { background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .16); border-radius: 18px; padding: 28px 26px; }
.verify-ic { width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; background: rgba(74, 163, 223, .18); color: var(--sky-soft); margin-bottom: 16px; }
.verify-ic svg { width: 28px; height: 28px; }
.verify-card p { color: #d4def0; font-size: 15px; }
.verify-card .btn { white-space: normal; text-align: center; min-height: 46px; padding: 10px 22px; line-height: 1.4; }

/* ---------- News ---------- */
.news-layout { display: grid; gap: 40px; }
@media (min-width: 1024px) { .news-layout { grid-template-columns: 1fr 2fr; gap: 48px; } }
.news-layout:has(> .news-col[hidden]) { grid-template-columns: 1fr; }
.news-col h3 { font-size: 20px; margin-bottom: 18px; display: flex; align-items: center; gap: 10px; }
.news-col h3::before { content: ""; width: 6px; height: 22px; border-radius: 3px; background: var(--sky); }
.news-list { display: grid; gap: 16px; }
@media (min-width: 700px) { .news-list.two { grid-template-columns: 1fr 1fr; } }
.news-item {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px;
  display: flex; flex-direction: column; transition: box-shadow .3s, transform .3s;
}
.news-item:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.news-item time { display: inline-flex; align-self: flex-start; font-size: 12px; font-weight: 700; color: var(--blue); background: var(--tint); padding: 3px 10px; border-radius: 999px; letter-spacing: .06em; }
.news-item h4 { font-size: 16px; margin: 12px 0 8px; line-height: 1.55; }
.news-item p { font-size: 14px; color: var(--muted); margin: 0; display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; }
.news-meta { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 6px 12px; margin-top: 12px; padding-top: 10px; border-top: 1px dashed var(--line); font-size: 13px; }
.news-source { color: var(--muted); }
.news-link { font-weight: 500; white-space: nowrap; }
.fx-panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; margin-bottom: 16px; box-shadow: var(--shadow); }
.fx-head { display: flex; flex-wrap: wrap; align-items: baseline; justify-content: space-between; gap: 4px 12px; margin-bottom: 14px; }
.fx-head h4 { font-size: 16px; }
.fx-updated { font-size: 12px; color: var(--muted); }
.fx-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; }
@media (min-width: 700px) { .fx-grid { grid-template-columns: repeat(4, 1fr); } }
.fx-tile { background: var(--tint-2); border-radius: 10px; padding: 10px 12px; display: flex; flex-direction: column; gap: 2px; min-width: 0; }
.fx-cur { display: flex; align-items: baseline; gap: 6px; min-width: 0; }
.fx-cur strong { color: var(--blue); font-size: 14px; letter-spacing: .04em; }
.fx-cur span { font-size: 12px; color: var(--muted); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.fx-rate { font-size: 18px; font-weight: 700; color: var(--navy); font-variant-numeric: tabular-nums; display: flex; align-items: center; gap: 6px; }
.fx-dir { font-size: 11px; }
.fx-dir.up { color: #1a8f4c; }
.fx-dir.down { color: var(--red); }
.fx-note { margin: 12px 0 0; font-size: 12px; color: var(--muted); }

/* ---------- Contact ---------- */
/* one panel: navy details (with the business-card arc) beside a light form */
.contact-panel { display: grid; border-radius: 22px; overflow: hidden; background: #fff; box-shadow: var(--shadow-lg); border: 1px solid var(--line); }
@media (min-width: 1024px) { .contact-panel { grid-template-columns: 5fr 6fr; } }
.contact-side {
  position: relative; overflow: hidden; color: #fff; padding: 28px 20px 20px; display: flex; flex-direction: column; gap: 24px;
  background: radial-gradient(130% 120% at 0% 0%, #1d3274 0%, var(--navy) 60%, var(--navy-2) 100%);
}
@media (min-width: 640px) { .contact-side { padding: 40px 36px 36px; } }
.contact-side::before { /* the royal-blue arc from the business card */
  content: ""; position: absolute; right: -80px; top: -96px; width: 170px; height: 170px; border-radius: 50%;
  background: linear-gradient(160deg, var(--blue-2), var(--blue)); opacity: .55;
}
.contact-side::after { content: ""; position: absolute; right: -70px; top: -106px; width: 170px; height: 170px; border-radius: 50%; border: 1.5px solid rgba(255, 255, 255, .25); }
.contact-list { position: relative; z-index: 1; list-style: none; margin: 0; padding: 0; }
.contact-item { display: flex; gap: 16px; align-items: flex-start; padding: 18px 0; border-bottom: 1px solid rgba(255, 255, 255, .12); }
.contact-item:first-child { padding-top: 0; }
.contact-item .ic { flex: none; width: 40px; height: 40px; border-radius: 50%; border: 1.5px solid rgba(124, 196, 240, .55); color: var(--sky-soft); display: grid; place-items: center; }
.contact-item .ic svg { width: 18px; height: 18px; }
.contact-item small { display: block; font-size: 12px; color: #9fb3d6; letter-spacing: .12em; margin-bottom: 2px; }
.contact-item a, .contact-item p { color: #fff; font-weight: 500; margin: 0; word-break: break-word; font-size: 16px; }
.contact-item a:hover { color: var(--sky-soft); }
.map-wrap { position: relative; z-index: 1; margin-top: auto; border-radius: 14px; overflow: hidden; aspect-ratio: 4 / 3; background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .14); }
@media (min-width: 640px) { .map-wrap { aspect-ratio: 16 / 9; } }
@media (min-width: 1024px) { .map-wrap { aspect-ratio: 4 / 3; } }
.map-wrap iframe { width: 100%; height: 100%; border: 0; display: block; }

.contact-form { padding: 28px 20px 32px; }
@media (min-width: 640px) { .contact-form { padding: 40px 44px 44px; } }
.contact-form h3 { font-size: 22px; margin-bottom: 6px; }
.contact-form > p { color: var(--muted); font-size: 14px; }
.form-grid { display: grid; gap: 22px 28px; margin-top: 26px; }
@media (min-width: 640px) { .form-grid { grid-template-columns: 1fr 1fr; } .form-grid .full { grid-column: 1 / -1; } }
.field label { display: block; font-size: 13px; font-weight: 500; color: var(--muted); letter-spacing: .06em; margin-bottom: 2px; }
.field label .req { color: var(--red); }
.field input, .field textarea { /* underlined fields */
  width: 100%; border: 0; border-bottom: 1.5px solid var(--silver); border-radius: 0; padding: 8px 0 10px; font: inherit; font-size: 16px; color: var(--ink);
  background: transparent; transition: border-color .2s, box-shadow .2s;
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 1.5px 0 var(--blue); }
.field .err { display: none; margin-top: 4px; font-size: 13px; color: var(--red); }
.field.invalid input, .field.invalid textarea { border-color: var(--red); }
.field.invalid .err { display: block; }
.contact-form > .form-privacy { margin: 22px 0 0; font-size: 13px; color: var(--muted); }
.form-actions { margin-top: 18px; display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.form-actions .btn { min-width: 180px; }
.form-actions .btn[disabled] { opacity: .65; cursor: progress; }
.form-status { font-size: 14px; color: var(--blue); }
.form-status.is-error { color: var(--red); }
.form-status.is-ok { font-weight: 600; }
.hp-field { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; } /* only bots fill it in */
@media (max-width: 639px) { .form-actions .btn { width: 100%; } }

/* =========================================================
   Footer
   ========================================================= */
.site-footer { background: var(--navy-2); color: #c3cee3; position: relative; overflow: hidden; }
.site-footer::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 4px; background: linear-gradient(90deg, var(--blue), var(--sky), var(--blue)); }
.footer-main { display: grid; gap: 32px; padding-top: 56px; padding-bottom: 40px; }
@media (min-width: 900px) { .footer-main { grid-template-columns: 1.3fr 1fr 1.2fr; gap: 48px; } }
.footer-tagline { margin-top: 18px; font-size: 14px; color: #9fb0cf; }
.site-footer h4 { color: #fff; font-size: 15px; letter-spacing: .1em; margin-bottom: 14px; }
.footer-links { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 8px 16px; }
.footer-links a { color: #c3cee3; font-size: 14px; }
.footer-links a:hover { color: var(--sky-soft); }
.footer-contact { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; font-size: 14px; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact svg { width: 16px; height: 16px; flex: none; color: var(--sky); margin-top: 5px; }
.footer-contact a { color: #c3cee3; }
.footer-contact a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .1); padding: 20px 0 24px; font-size: 12.5px; color: #8e9dbb; }
.footer-bottom p { margin: 0 0 6px; }
.footer-bottom .footer-licence { color: #c3cee3; font-weight: 500; }
.footer-bottom .footer-copy { margin: 0; }

.to-top {
  position: fixed; right: 16px; bottom: 16px; z-index: 40; width: 48px; height: 48px; border-radius: 50%; border: 0;
  background: var(--blue); color: #fff; display: grid; place-items: center; box-shadow: var(--shadow-lg);
  opacity: 0; visibility: hidden; transform: translateY(10px); transition: opacity .3s, transform .3s, visibility .3s, background .3s;
}
.to-top.is-visible { opacity: 1; visibility: visible; transform: none; }
.to-top:hover { background: var(--navy); }
.to-top svg { width: 22px; height: 22px; }