*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    /* ─── THEME VARIABLES ─── */
    :root {
      --bg:        #0C0C0C;
      --bg2:       #141414;
      --bg3:       #1A1A1A;
      --gold:      #C9A84C;
      --gold-lt:   #E2C47A;
      --gold-dk:   #A07830;
      --gold-wash: rgba(201,168,76,.08);
      --accent:    #C9A84C;
      --text:      #F0EDE8;
      --text-mid:  #C4BBAE;
      --text-dim:  #7A7268;
      --border:    rgba(201,168,76,.18);
      --white:     #FFFFFF;
      --shadow:    0 8px 40px rgba(0,0,0,.5);
      --radius:    14px;
      --r-sm:      8px;
    }
    [data-theme="navy"] {
      --bg:        #080E1A;
      --bg2:       #0D1828;
      --bg3:       #122035;
      --gold:      #C9A84C;
      --gold-lt:   #E2C47A;
      --gold-dk:   #A07830;
      --gold-wash: rgba(201,168,76,.08);
      --accent:    #C9A84C;
      --text:      #EEF2F8;
      --text-mid:  #B8C4D4;
      --text-dim:  #6A7888;
      --border:    rgba(201,168,76,.18);
    }
    [data-theme="forest"] {
      --bg:        #060F0A;
      --bg2:       #0C1A10;
      --bg3:       #112217;
      --gold:      #C9A84C;
      --gold-lt:   #E2C47A;
      --gold-dk:   #A07830;
      --gold-wash: rgba(201,168,76,.08);
      --accent:    #6BAF82;
      --text:      #EDF5EE;
      --text-mid:  #B8D4BF;
      --text-dim:  #607A68;
      --border:    rgba(201,168,76,.15);
    }
    [data-theme="slate"] {
      --bg:        #0F1117;
      --bg2:       #171B26;
      --bg3:       #1E2332;
      --gold:      #C9A84C;
      --gold-lt:   #E2C47A;
      --gold-dk:   #A07830;
      --gold-wash: rgba(201,168,76,.08);
      --accent:    #7B9FD4;
      --text:      #EDF0F5;
      --text-mid:  #B8C4D8;
      --text-dim:  #606C80;
      --border:    rgba(201,168,76,.15);
    }
    [data-theme="medical"] {
      --bg:        #F4F8FF;
      --bg2:       #E8F0FC;
      --bg3:       #D8E6F8;
      --gold:      #1A6DD4;
      --gold-lt:   #3D8FE8;
      --gold-dk:   #1050A8;
      --gold-wash: rgba(26,109,212,.08);
      --accent:    #1A6DD4;
      --text:      #0A1A2E;
      --text-mid:  #334E70;
      --text-dim:  #7A90A8;
      --border:    rgba(26,109,212,.20);
      --shadow:    0 8px 40px rgba(0,0,0,.10);
    }
    [data-theme="crimson"] {
      --bg:        #FFFFFF;
      --bg2:       #F5F5F5;
      --bg3:       #EBEBEB;
      --gold:      #D42B2B;
      --gold-lt:   #E85555;
      --gold-dk:   #A81E1E;
      --gold-wash: rgba(212,43,43,.07);
      --accent:    #D42B2B;
      --text:      #111111;
      --text-mid:  #444444;
      --text-dim:  #888888;
      --border:    rgba(212,43,43,.22);
      --shadow:    0 8px 40px rgba(0,0,0,.10);
    }

    html { scroll-behavior: smooth; }
    body {
      font-family: 'Inter', sans-serif;
      background: var(--bg);
      color: var(--text);
      line-height: 1.7;
      overflow-x: hidden;
      transition: background .4s ease, color .3s ease;
    }
    h1, h2, h3 { font-family: 'Oswald', sans-serif; line-height: 1.15; text-transform: uppercase; letter-spacing: .04em; }
    h4 { font-family: 'Lora', serif; }
    a { color: inherit; }

    /* ─── THEME SWITCHER ─── */
    .theme-bar {
      background: var(--bg2);
      border-bottom: 1px solid var(--border);
      padding: 10px 40px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      flex-wrap: wrap;
      gap: 10px;
    }
    .crisis-text { font-size: .78rem; color: var(--text-dim); }
    .crisis-text a { color: var(--gold-lt); font-weight: 600; text-decoration: none; }
    .crisis-text a:hover { text-decoration: underline; }
    .theme-controls { display: flex; align-items: center; gap: 8px; }
    .theme-label { font-size: .72rem; color: var(--text-dim); letter-spacing: .08em; text-transform: uppercase; margin-right: 4px; }
    .theme-btn {
      width: 28px; height: 28px;
      border-radius: 50%;
      border: 2px solid transparent;
      cursor: pointer;
      transition: border-color .2s, transform .2s;
      position: relative;
    }
    .theme-btn:hover, .theme-btn.active { border-color: var(--gold); transform: scale(1.15); }
    .theme-btn[data-t="black"]   { background: radial-gradient(circle, #333 30%, #0C0C0C 100%); }
    .theme-btn[data-t="navy"]    { background: radial-gradient(circle, #1E4080 30%, #080E1A 100%); }
    .theme-btn[data-t="forest"]  { background: radial-gradient(circle, #1C6B38 30%, #060F0A 100%); }
    .theme-btn[data-t="slate"]   { background: radial-gradient(circle, #2A3A5C 30%, #0F1117 100%); }
    .theme-btn[data-t="medical"] { background: radial-gradient(circle, #3D8FE8 30%, #F4F8FF 100%); border-color: #ccc; }
    .theme-btn[data-t="crimson"] { background: radial-gradient(circle, #D42B2B 30%, #FFFFFF 100%); border-color: #ccc; }

    /* ─── NAV ─── */
    .nav-wrap {
      position: sticky; top: 0; z-index: 200;
      background: rgba(12,12,12,.92);
      backdrop-filter: blur(20px);
      border-bottom: 1px solid var(--border);
      transition: background .4s;
    }
    [data-theme="navy"]    .nav-wrap { background: rgba(8,14,26,.92); }
    [data-theme="forest"]  .nav-wrap { background: rgba(6,15,10,.92); }
    [data-theme="slate"]   .nav-wrap { background: rgba(15,17,23,.92); }
    [data-theme="medical"] .nav-wrap { background: rgba(244,248,255,.95); }
    [data-theme="crimson"] .nav-wrap { background: rgba(255,255,255,.95); }
    nav {
      max-width: 1240px; margin: 0 auto;
      padding: 0 40px; height: 72px;
      display: flex; align-items: center; justify-content: space-between;
    }
    .nav-logo { display: flex; align-items: center; gap: 14px; text-decoration: none; }
    .nav-logo-img {
      width: 48px; height: 48px;
      border-radius: 50%;
      object-fit: cover;
      border: 2px solid var(--gold);
      box-shadow: 0 0 12px rgba(201,168,76,.3);
    }
    .nav-logo-text { display: flex; flex-direction: column; line-height: 1.1; }
    .nav-logo-text .main {
      font-family: 'Oswald', sans-serif;
      font-size: 1.1rem; font-weight: 700;
      color: var(--gold); letter-spacing: .08em;
      text-transform: uppercase;
    }
    .nav-logo-text .sub { font-size: .65rem; color: var(--text-dim); letter-spacing: .12em; text-transform: uppercase; }
    .nav-links { display: flex; align-items: center; gap: 32px; list-style: none; }
    .nav-links a { font-size: .82rem; font-weight: 500; color: var(--text-mid); text-decoration: none; letter-spacing: .06em; text-transform: uppercase; transition: color .2s; }
    .nav-links a:hover { color: var(--gold); }
    .nav-cta {
      background: var(--gold) !important;
      color: var(--bg) !important;
      padding: 10px 24px !important;
      border-radius: 4px !important;
      font-weight: 700 !important;
      transition: background .2s, transform .15s !important;
    }
    .nav-cta:hover { background: var(--gold-lt) !important; transform: translateY(-1px); }
    .hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; }
    .hamburger span { width: 22px; height: 2px; background: var(--text); border-radius: 2px; transition: .3s; }

    /* ─── HERO ─── */
    .hero-section {
      position: relative; overflow: hidden;
      display: flex; align-items: flex-start;
    }
    .hero-bg {
      position: absolute; inset: 0;
      background: 
        radial-gradient(ellipse 80% 60% at 50% 50%, rgba(201,168,76,.06) 0%, transparent 60%),
        linear-gradient(180deg, var(--bg) 0%, var(--bg2) 100%);
    }
    .hero-bg-lines {
      position: absolute; inset: 0;
      background-image: 
        linear-gradient(rgba(201,168,76,.04) 1px, transparent 1px),
        linear-gradient(90deg, rgba(201,168,76,.04) 1px, transparent 1px);
      background-size: 60px 60px;
    }
    .hero-inner {
      max-width: 1240px; margin: 0 auto; padding: 80px 40px 80px;
      position: relative; z-index: 2;
      display: grid; grid-template-columns: 1fr 1fr;
      gap: 80px; align-items: center;
    }
    .hero-content { }
    .hero-kicker {
      display: inline-flex; align-items: center; gap: 8px;
      border: 1px solid var(--border);
      background: var(--gold-wash);
      color: var(--gold);
      font-size: .72rem; font-weight: 600;
      letter-spacing: .14em; text-transform: uppercase;
      padding: 7px 18px; border-radius: 2px;
      margin-bottom: 28px;
      animation: rise .7s ease both;
    }
    .hero h1 {
      font-size: clamp(3rem, 5vw, 5.5rem);
      font-weight: 700;
      color: var(--text);
      line-height: 1.05;
      margin-bottom: 10px;
      animation: rise .7s .06s ease both;
    }
    .hero h1 .gold-line { color: var(--gold); display: block; }
    .hero-tagline {
      font-family: 'Lora', serif;
      font-style: italic;
      font-size: 1.05rem;
      color: var(--text-mid);
      margin-bottom: 36px;
      animation: rise .7s .12s ease both;
    }
    .hero-desc {
      font-size: .97rem; color: var(--text-dim);
      line-height: 1.85; max-width: 480px;
      margin-bottom: 42px;
      animation: rise .7s .18s ease both;
    }
    .hero-btns { display: flex; gap: 14px; flex-wrap: wrap; animation: rise .7s .24s ease both; margin-bottom: 40px; }
    .btn-gold {
      background: var(--gold); color: var(--bg);
      padding: 15px 36px; border-radius: 4px;
      font-family: 'Oswald', sans-serif;
      font-size: .95rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase;
      text-decoration: none;
      transition: background .2s, transform .15s, box-shadow .2s;
      box-shadow: 0 4px 24px rgba(201,168,76,.25);
      display: inline-block;
    }
    .btn-gold:hover { background: var(--gold-lt); transform: translateY(-2px); box-shadow: 0 8px 32px rgba(201,168,76,.35); }
    .btn-ghost-gold {
      background: transparent; color: var(--gold);
      padding: 15px 36px; border-radius: 4px;
      font-family: 'Oswald', sans-serif;
      font-size: .95rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase;
      text-decoration: none;
      border: 1.5px solid var(--gold);
      transition: background .2s, color .2s, transform .15s;
      display: inline-block;
    }
    .btn-ghost-gold:hover { background: var(--gold); color: var(--bg); transform: translateY(-2px); }
    .hero-contact {
      font-size: .85rem; color: var(--text-dim);
      animation: rise .7s .3s ease both;
    }
    .hero-contact a { color: var(--gold-lt); font-weight: 600; text-decoration: none; }
    .hero-contact a:hover { text-decoration: underline; }

    /* Hero logo display */
    .hero-logo-side {
      display: flex; align-items: center; justify-content: center;
      position: relative;
      animation: rise .9s .15s ease both;
    }
    .logo-glow-ring {
      position: relative;
      width: 420px; height: 420px;
      display: flex; align-items: center; justify-content: center;
    }
    .logo-glow-ring::before {
      content: '';
      position: absolute; inset: -20px;
      border-radius: 50%;
      background: radial-gradient(circle, rgba(201,168,76,.15) 0%, transparent 70%);
      animation: pulse 3s ease-in-out infinite;
    }
    .logo-glow-ring::after {
      content: '';
      position: absolute; inset: -2px;
      border-radius: 50%;
      border: 1px solid rgba(201,168,76,.2);
      animation: spin 20s linear infinite;
    }
    .hero-logo-img {
      width: 380px; height: 380px;
      border-radius: 50%;
      object-fit: cover;
      position: relative; z-index: 1;
      filter: drop-shadow(0 0 40px rgba(201,168,76,.2));
    }

    @keyframes pulse { 0%,100%{opacity:.5;transform:scale(1)} 50%{opacity:1;transform:scale(1.05)} }
    @keyframes spin { from{transform:rotate(0)} to{transform:rotate(360deg)} }

    /* ─── GOLD DIVIDER BAR ─── */
    .stats-bar {
      background: var(--gold);
      padding: 0 40px;
    }
    .stats-inner {
      max-width: 1240px; margin: 0 auto;
      display: grid; grid-template-columns: repeat(4, 1fr);
    }
    .stat-block {
      padding: 28px 0;
      text-align: center;
      border-right: 1px solid rgba(0,0,0,.15);
    }
    .stat-block:last-child { border-right: none; }
    .stat-num { font-family: 'Oswald', sans-serif; font-size: 2.4rem; font-weight: 700; color: var(--bg); line-height: 1; }
    .stat-lbl { font-size: .72rem; color: rgba(0,0,0,.6); letter-spacing: .1em; text-transform: uppercase; margin-top: 5px; font-weight: 600; }

    /* ─── SECTION ─── */
    .section { padding: 100px 0; }
    .section-inner { max-width: 1240px; margin: 0 auto; padding: 0 40px; }
    .bg2 { background: var(--bg2); }
    .bg3 { background: var(--bg3); }
    .eyebrow {
      display: inline-flex; align-items: center; gap: 10px;
      color: var(--gold); font-size: .72rem; font-weight: 600;
      letter-spacing: .14em; text-transform: uppercase; margin-bottom: 14px;
    }
    .eyebrow::before { content: ''; width: 24px; height: 1px; background: var(--gold); }
    .section-h2 { font-size: clamp(2.2rem, 3.5vw, 3.2rem); color: var(--text); margin-bottom: 16px; }
    .section-sub { font-family: 'Lora', serif; font-size: .97rem; color: var(--text-dim); max-width: 540px; line-height: 1.85; }

    /* ─── WHY GRID ─── */
    .why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; margin-top: 56px; }
    .why-card {
      background: var(--bg3);
      padding: 36px 32px;
      border-top: 3px solid transparent;
      transition: border-color .3s, background .3s;
      position: relative; overflow: hidden;
    }
    .why-card::before {
      content: '';
      position: absolute; bottom: 0; left: 0; right: 0; height: 0;
      background: linear-gradient(0deg, var(--gold-wash) 0%, transparent 100%);
      transition: height .4s;
    }
    .why-card:hover { border-top-color: var(--gold); }
    .why-card:hover::before { height: 100%; }
    .why-num {
      font-family: 'Oswald', sans-serif;
      font-size: 4rem; font-weight: 700; line-height: 1;
      color: rgba(201,168,76,.08);
      position: absolute; top: 16px; right: 20px;
      pointer-events: none; user-select: none;
      transition: color .3s;
    }
    .why-card:hover .why-num { color: rgba(201,168,76,.14); }
    [data-theme="crimson"] .why-num { color: rgba(212,43,43,.40); }
    [data-theme="crimson"] .why-card:hover .why-num { color: rgba(212,43,43,.55); }
    .why-icon { font-size: 1.8rem; margin-bottom: 18px; position: relative; z-index: 1; }
    .why-card h3 { font-size: 1.05rem; color: var(--text); margin-bottom: 10px; position: relative; z-index: 1; }
    .why-card p { font-size: .88rem; color: var(--text-dim); line-height: 1.8; position: relative; z-index: 1; }

    /* ─── PROCESS ─── */
    .steps-row {
      display: grid; grid-template-columns: repeat(4, 1fr);
      gap: 0; margin-top: 60px;
      position: relative;
    }
    .steps-row::before {
      content: '';
      position: absolute;
      top: 30px; left: 12.5%; right: 12.5%;
      height: 1px;
      background: linear-gradient(90deg, var(--gold-dk), var(--gold), var(--gold-dk));
      z-index: 0;
    }
    .step-box { position: relative; z-index: 1; text-align: center; padding: 0 20px; }
    .step-circle {
      width: 60px; height: 60px; border-radius: 50%;
      border: 2px solid var(--gold);
      background: var(--bg);
      display: flex; align-items: center; justify-content: center;
      margin: 0 auto 22px;
      font-family: 'Oswald', sans-serif; font-size: 1.3rem; font-weight: 700;
      color: var(--gold);
      transition: background .3s, color .3s, box-shadow .3s;
    }
    .step-box:hover .step-circle { background: var(--gold); color: var(--bg); box-shadow: 0 0 20px rgba(201,168,76,.4); }
    .step-box h3 { font-size: 1rem; color: var(--text); margin-bottom: 10px; }
    .step-box p { font-size: .85rem; color: var(--text-dim); line-height: 1.75; }

    /* ─── ABOUT/FOUNDER ─── */
    .about-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 80px; align-items: start; }
    .founder-panel {
      background: var(--bg3);
      border: 1px solid var(--border);
      border-radius: var(--radius);
      overflow: hidden;
      position: sticky; top: 90px;
    }
    .founder-top {
      background: linear-gradient(160deg, var(--gold-dk) 0%, #5a4010 100%);
      padding: 44px 36px;
      text-align: center;
      position: relative; overflow: hidden;
    }
    .founder-top::before {
      content: '';
      position: absolute; width: 240px; height: 240px;
      border-radius: 50%; border: 40px solid rgba(255,255,255,.05);
      top: -60px; right: -60px;
    }
    .founder-avatar-wrap {
      width: 180px; height: 180px;
      border-radius: 50%;
      border: 3px solid rgba(255,255,255,.3);
      background: rgba(0,0,0,.3);
      margin: 0 auto 18px;
      display: flex; align-items: center; justify-content: center;
      font-size: 2.8rem;
      position: relative; z-index: 1;
      overflow: hidden;
    }
    .founder-placeholder { font-size: .7rem; color: rgba(255,255,255,.4); text-align: center; margin-top: 8px; }
    .founder-name-top {
      font-family: 'Oswald', sans-serif; font-size: 1.5rem;
      font-weight: 700; color: #fff; letter-spacing: .06em;
      text-transform: uppercase; margin-bottom: 4px;
      position: relative; z-index: 1;
    }
    .founder-role-top { font-family: 'Lora', serif; font-style: italic; font-size: .85rem; color: rgba(255,255,255,.7); position: relative; z-index: 1; }
    .founder-bottom { padding: 28px 30px; }
    .founder-stats-row { display: flex; gap: 0; border: 1px solid var(--border); border-radius: var(--r-sm); overflow: hidden; margin-bottom: 22px; }
    .f-stat {
      flex: 1; padding: 14px 8px; text-align: center;
      border-right: 1px solid var(--border);
    }
    .f-stat:last-child { border-right: none; }
    .f-stat-n { font-family: 'Oswald', sans-serif; font-size: 1.6rem; font-weight: 700; color: var(--gold); line-height: 1; }
    .f-stat-l { font-size: .68rem; color: var(--text-dim); text-transform: uppercase; letter-spacing: .06em; margin-top: 4px; }
    .founder-quote {
      font-family: 'Lora', serif; font-style: italic;
      font-size: .9rem; color: var(--text-mid);
      line-height: 1.8; padding-left: 14px;
      border-left: 2px solid var(--gold);
    }

    /* About content */
    .about-text .eyebrow { display: block; margin-bottom: 14px; }
    .about-body { font-size: .96rem; color: var(--text-dim); line-height: 1.9; margin-bottom: 22px; }
    .values-list { list-style: none; margin: 28px 0; display: flex; flex-direction: column; gap: 18px; }
    .val-item { display: flex; gap: 16px; align-items: flex-start; }
    .val-icon {
      width: 36px; height: 36px;
      background: var(--gold-wash);
      border: 1px solid var(--border);
      border-radius: 4px;
      display: flex; align-items: center; justify-content: center;
      font-size: .95rem; flex-shrink: 0; margin-top: 2px;
    }
    .val-item strong { display: block; color: var(--text); font-size: .9rem; font-family: 'Oswald', sans-serif; letter-spacing: .04em; text-transform: uppercase; margin-bottom: 3px; }
    .val-item span { font-size: .86rem; color: var(--text-dim); line-height: 1.7; }

    /* ─── LOCATIONS ─── */
    .loc-layout { display: grid; grid-template-columns: 1fr 1.1fr; gap: 56px; align-items: start; }
    .loc-card-list { display: flex; flex-direction: column; gap: 16px; }
    .loc-card {
      background: var(--bg3);
      border: 1px solid var(--border);
      border-radius: var(--radius);
      padding: 22px 24px;
      display: flex; gap: 16px; align-items: flex-start;
      cursor: pointer;
      transition: border-color .2s, background .2s, transform .2s;
    }
    .loc-card:hover, .loc-card.active {
      border-color: var(--gold);
      background: var(--gold-wash);
      transform: translateX(6px);
    }
    .loc-num {
      width: 40px; height: 40px;
      border-radius: var(--r-sm);
      background: var(--gold-wash);
      border: 1px solid var(--border);
      display: flex; align-items: center; justify-content: center;
      font-family: 'Oswald', sans-serif; font-size: 1.1rem;
      color: var(--gold); flex-shrink: 0;
      transition: background .2s;
    }
    .loc-card.active .loc-num { background: var(--gold); color: var(--bg); }
    .loc-name { font-family: 'Oswald', sans-serif; font-size: 1rem; color: var(--text); letter-spacing: .04em; text-transform: uppercase; margin-bottom: 4px; }
    .loc-addr { font-size: .82rem; color: var(--text-dim); margin-bottom: 10px; }
    .loc-tags { display: flex; flex-wrap: wrap; gap: 6px; }
    .ltag {
      background: var(--gold-wash); color: var(--gold);
      font-size: .68rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase;
      padding: 3px 10px; border-radius: 2px; border: 1px solid var(--border);
    }
    .map-panel { position: sticky; top: 90px; }
    .map-frame {
      border-radius: var(--radius); overflow: hidden;
      border: 1px solid var(--border);
      aspect-ratio: 4/3;
      box-shadow: var(--shadow);
    }
    .map-frame iframe { width: 100%; height: 100%; border: none; display: block; }
    .map-note { font-size: .8rem; color: var(--text-dim); text-align: center; margin-top: 12px; }
    .map-note a { color: var(--gold); font-weight: 600; text-decoration: none; }

    /* ─── FINANCIAL ─── */
    .fin-band {
      background: var(--gold);
      padding: 100px 0;
      position: relative; overflow: hidden;
    }
    .fin-band::before {
      content: '';
      position: absolute; width: 800px; height: 800px; border-radius: 50%;
      border: 100px solid rgba(0,0,0,.06);
      right: -300px; top: -300px;
    }
    .fin-inner { max-width: 1240px; margin: 0 auto; padding: 0 40px; display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; position: relative; z-index: 2; }
    .fin-left .eyebrow { color: rgba(0,0,0,.5); }
    .fin-left .eyebrow::before { background: rgba(0,0,0,.3); }
    .fin-left h2 { font-size: clamp(2rem, 3vw, 2.9rem); color: var(--bg); margin-bottom: 16px; }
    .fin-left p { font-size: .97rem; color: rgba(0,0,0,.65); line-height: 1.85; margin-bottom: 32px; }
    .btn-dark { background: var(--bg); color: var(--gold); padding: 15px 36px; border-radius: 4px; font-family: 'Oswald', sans-serif; font-size: .95rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; text-decoration: none; display: inline-block; transition: background .2s, transform .15s; }
    .btn-dark:hover { background: var(--bg2); transform: translateY(-2px); }
    .fin-cards { display: flex; flex-direction: column; gap: 14px; }
    .fin-card { background: rgba(0,0,0,.12); border-radius: var(--r-sm); padding: 22px 24px; display: flex; gap: 16px; align-items: flex-start; }
    .fin-icon { width: 40px; height: 40px; background: rgba(0,0,0,.15); border-radius: var(--r-sm); display: flex; align-items: center; justify-content: center; font-size: 1.1rem; flex-shrink: 0; }
    .fin-card h4 { font-family: 'Oswald', sans-serif; letter-spacing: .04em; text-transform: uppercase; font-size: .95rem; color: var(--bg); margin-bottom: 5px; }
    .fin-card p { font-size: .84rem; color: rgba(0,0,0,.6); line-height: 1.7; }

    /* ─── TESTIMONIALS ─── */
    .testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 56px; }
    .testi-card {
      background: var(--bg3);
      border: 1px solid var(--border);
      border-radius: var(--radius);
      padding: 32px;
      position: relative;
      transition: border-color .3s, transform .25s;
    }
    .testi-card:hover { border-color: var(--gold); transform: translateY(-4px); }
    .testi-mark { font-family: 'Oswald', sans-serif; font-size: 5rem; font-weight: 700; color: var(--gold); opacity: .15; position: absolute; top: 12px; left: 20px; line-height: 1; }
    .testi-stars { font-size: .85rem; letter-spacing: 3px; color: var(--gold); margin-bottom: 14px; }
    .testi-text { font-size: .9rem; color: var(--text-mid); line-height: 1.85; margin-bottom: 24px; position: relative; z-index: 1; }
    .testi-author { display: flex; gap: 12px; align-items: center; }
    .t-av { width: 42px; height: 42px; border-radius: 50%; background: var(--gold); display: flex; align-items: center; justify-content: center; font-family: 'Oswald', sans-serif; font-size: 1.1rem; font-weight: 700; color: var(--bg); flex-shrink: 0; }
    .t-name { font-family: 'Oswald', sans-serif; font-size: .95rem; letter-spacing: .04em; text-transform: uppercase; color: var(--text); }
    .t-sub { font-size: .78rem; color: var(--text-dim); }

    /* ─── FAQ ─── */
    .faq-layout { display: grid; grid-template-columns: 1fr 1.8fr; gap: 80px; align-items: start; }
    .faq-left { position: sticky; top: 90px; }
    .faq-left h2 { font-size: clamp(2rem, 2.8vw, 2.7rem); color: var(--text); margin-bottom: 16px; }
    .faq-left p { font-size: .93rem; color: var(--text-dim); line-height: 1.85; margin-bottom: 28px; }
    .faq-reach { background: var(--bg3); border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; }
    .faq-reach h4 { font-family: 'Oswald', sans-serif; font-size: 1rem; letter-spacing: .04em; text-transform: uppercase; color: var(--text); margin-bottom: 14px; }
    .reach-row { display: flex; gap: 10px; align-items: center; font-size: .86rem; color: var(--text-dim); margin-bottom: 10px; }
    .reach-row:last-child { margin-bottom: 0; }
    .reach-row a { color: var(--gold); font-weight: 600; text-decoration: none; }
    .reach-row a:hover { text-decoration: underline; }
    .faq-items { }
    .faq-item { border-bottom: 1px solid var(--border); }
    .faq-q {
      width: 100%; background: none; border: none;
      padding: 22px 0;
      display: flex; align-items: center; justify-content: space-between; gap: 16px;
      cursor: pointer; text-align: left;
      font-family: 'Oswald', sans-serif; font-size: 1.05rem; font-weight: 600; letter-spacing: .04em; text-transform: uppercase;
      color: var(--text-mid); transition: color .2s;
    }
    .faq-q:hover { color: var(--gold); }
    .faq-plus { width: 28px; height: 28px; border-radius: 50%; border: 1.5px solid var(--border); display: flex; align-items: center; justify-content: center; font-size: 1.2rem; color: var(--text-dim); flex-shrink: 0; transition: border-color .3s, color .3s, transform .3s, background .3s; }
    .faq-item.open .faq-plus { transform: rotate(45deg); border-color: var(--gold); color: var(--bg); background: var(--gold); }
    .faq-body { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
    .faq-body p { padding: 0 0 22px; font-size: .9rem; color: var(--text-dim); line-height: 1.85; }
    .faq-item.open .faq-body { max-height: 400px; }

    /* ─── CONTACT ─── */
    .contact-layout { display: grid; grid-template-columns: 1fr 1.2fr; gap: 80px; align-items: start; }
    .contact-left h2 { font-size: clamp(2rem, 3vw, 2.7rem); color: var(--text); margin-bottom: 16px; }
    .contact-left p { font-size: .93rem; color: var(--text-dim); line-height: 1.85; margin-bottom: 36px; }
    .cinfo { display: flex; flex-direction: column; gap: 16px; }
    .cinfo-row { display: flex; gap: 14px; align-items: flex-start; }
    .ci-ic { width: 44px; height: 44px; border-radius: var(--r-sm); background: var(--gold-wash); border: 1px solid var(--border); display: flex; align-items: center; justify-content: center; font-size: 1.1rem; flex-shrink: 0; }
    .ci-lbl { font-size: .72rem; font-weight: 700; color: var(--text-dim); letter-spacing: .1em; text-transform: uppercase; margin-bottom: 2px; }
    .ci-v a { color: var(--gold); font-weight: 600; text-decoration: none; font-size: .9rem; }
    .ci-v a:hover { text-decoration: underline; }
    .ci-v span { font-size: .9rem; color: var(--text-mid); }
    .form-box { background: var(--bg3); border: 1px solid var(--border); border-radius: var(--radius); padding: 40px; }
    .form-box h3 { font-family: 'Oswald', sans-serif; font-size: 1.6rem; letter-spacing: .04em; text-transform: uppercase; color: var(--gold); margin-bottom: 28px; }
    .frow { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
    .fg { margin-bottom: 16px; }
    .fg label { display: block; font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--text-dim); margin-bottom: 8px; }
    .fg input, .fg select, .fg textarea { width: 100%; padding: 12px 16px; background: var(--bg2); border: 1px solid var(--border); border-radius: var(--r-sm); font-family: 'Inter', sans-serif; font-size: .9rem; color: var(--text); outline: none; transition: border-color .2s, box-shadow .2s; }
    .fg input::placeholder, .fg textarea::placeholder { color: var(--text-dim); }
    .fg input:focus, .fg select:focus, .fg textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,168,76,.08); }
    .fg textarea { resize: vertical; min-height: 100px; }
    .fg select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%237A7268' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; }
    .fg select option { background: var(--bg2); }
    .cb-row { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 18px; }
    .cb-row input[type=checkbox] { width: 16px; height: 16px; margin-top: 3px; accent-color: var(--gold); cursor: pointer; flex-shrink: 0; }
    .cb-row label { font-size: .82rem; color: var(--text-dim); line-height: 1.6; cursor: pointer; }
    .submit-btn { width: 100%; padding: 15px; background: var(--gold); color: var(--bg); border: none; border-radius: 4px; font-family: 'Oswald', sans-serif; font-size: 1rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; cursor: pointer; transition: background .2s, transform .15s, box-shadow .2s; box-shadow: 0 4px 24px rgba(201,168,76,.2); }
    .submit-btn:hover { background: var(--gold-lt); transform: translateY(-2px); box-shadow: 0 8px 32px rgba(201,168,76,.3); }
    .form-note { font-size: .76rem; color: var(--text-dim); text-align: center; margin-top: 10px; }

    /* ─── FOOTER ─── */
    footer { background: #000; border-top: 1px solid rgba(201,168,76,.2); }
    .footer-inner { max-width: 1240px; margin: 0 auto; padding: 60px 40px 0; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; }
    .footer-brand-logo { display: flex; align-items: center; gap: 14px; margin-bottom: 16px; }
    .footer-logo-img { width: 52px; height: 52px; border-radius: 50%; object-fit: cover; border: 1.5px solid rgba(201,168,76,.3); }
    .footer-brand-name { font-family: 'Oswald', sans-serif; font-size: 1.1rem; font-weight: 700; color: var(--gold); letter-spacing: .08em; text-transform: uppercase; }
    .footer-brand-sub { font-size: .72rem; color: rgba(201,168,76,.5); letter-spacing: .08em; text-transform: uppercase; }
    .footer-tagline { font-size: .88rem; color: rgba(255,255,255,.45); line-height: 1.8; margin-bottom: 24px; }
    .footer-crisis { background: rgba(201,168,76,.08); border: 1px solid rgba(201,168,76,.15); border-radius: var(--r-sm); padding: 14px 16px; font-size: .8rem; color: rgba(255,255,255,.5); }
    .footer-crisis a { color: var(--gold); font-weight: 600; text-decoration: none; }
    .footer-col h5 { font-family: 'Oswald', sans-serif; font-size: .75rem; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; font-weight: 600; }
    .footer-col ul { list-style: none; }
    .footer-col li { margin-bottom: 10px; }
    .footer-col a { font-size: .86rem; color: rgba(255,255,255,.45); text-decoration: none; transition: color .2s; }
    .footer-col a:hover { color: var(--gold); }
    .footer-bottom { max-width: 1240px; margin: 0 auto; padding: 20px 40px; border-top: 1px solid rgba(255,255,255,.06); margin-top: 48px; display: flex; justify-content: space-between; align-items: center; font-size: .78rem; color: rgba(255,255,255,.3); }
    .footer-tagline-bottom { font-family: 'Oswald', sans-serif; color: rgba(201,168,76,.4); letter-spacing: .08em; text-transform: uppercase; font-size: .72rem; }

    /* ─── MODAL ─── */
    .modal-overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,.75); z-index: 1000; align-items: center; justify-content: center; }
    .modal-overlay.show { display: flex; }
    .modal-box { background: var(--bg3); border: 1px solid var(--border); border-radius: var(--radius); padding: 52px 44px; max-width: 460px; width: 90%; text-align: center; animation: rise .4s ease; }
    .modal-icon { font-size: 3rem; margin-bottom: 18px; }
    .modal-box h3 { font-size: 2rem; color: var(--gold); margin-bottom: 14px; }
    .modal-box p { font-size: .93rem; color: var(--text-dim); line-height: 1.8; margin-bottom: 28px; }
    .modal-box p strong { color: var(--gold); }
    .modal-close { background: var(--gold); color: var(--bg); border: none; padding: 12px 36px; border-radius: 4px; font-family: 'Oswald', sans-serif; font-size: 1rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; cursor: pointer; transition: background .2s; }
    .modal-close:hover { background: var(--gold-lt); }

    /* ─── ANIMATIONS ─── */
    @keyframes rise { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
    .fade-up { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
    .fade-up.in { opacity: 1; transform: translateY(0); }

    /* ─── RESPONSIVE ─── */
    @media (max-width: 1024px) {
      .hero-inner { grid-template-columns: 1fr; padding: 60px 40px; }
      .hero-logo-side { display: none; }
      .about-grid { grid-template-columns: 1fr; }
      .founder-panel { position: static; }
      .loc-layout { grid-template-columns: 1fr; }
      .map-panel { position: static; }
      .fin-inner { grid-template-columns: 1fr; gap: 40px; }
      .testi-grid { grid-template-columns: repeat(2, 1fr); }
      .footer-inner { grid-template-columns: 1fr 1fr; gap: 36px; }
    }
    @media (max-width: 768px) {
      nav { padding: 0 24px; }
      .section-inner { padding: 0 24px; }
      .hero-inner { padding: 60px 24px; }
      .nav-links { display: none; position: absolute; top: 72px; left: 0; right: 0; background: var(--bg); flex-direction: column; gap: 0; padding: 16px 24px 24px; border-bottom: 1px solid var(--border); }
      .nav-links.open { display: flex; }
      .nav-links a { padding: 14px 0; display: block; border-bottom: 1px solid var(--border); }
      .hamburger { display: flex; }
      .why-grid { grid-template-columns: 1fr; }
      .steps-row { grid-template-columns: repeat(2, 1fr); }
      .steps-row::before { display: none; }
      .contact-layout, .faq-layout { grid-template-columns: 1fr; }
      .testi-grid { grid-template-columns: 1fr; }
      .footer-inner { grid-template-columns: 1fr; }
      .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
      .stats-inner { grid-template-columns: repeat(2, 1fr); }
      .frow { grid-template-columns: 1fr; }
      .theme-bar { padding: 10px 24px; }
      .stats-bar { padding: 0 24px; }
      .fin-inner { padding: 0 24px; }
      .hero h1 { font-size: 2.8rem; }
    }