/* ============================================================
   JAX CAPITAL — Modern Monochrome (Anthropic-inspired)
   ============================================================ */

:root {
  --white:        #ffffff;
  --off-white:    #f2f0ed;
  --white-muted:  rgba(255,255,255,0.50);
  --white-dim:    rgba(255,255,255,0.18);
  --white-border: rgba(255,255,255,0.10);
  --bg:           #080808;
  --bg-raised:    #0f0f0f;
  --bg-card:      #111111;
  --text:         #f2f0ed;
  --text-muted:   rgba(242,240,237,0.48);
  --text-dim:     rgba(242,240,237,0.22);
  --nav-h:        64px;
  --section-x:    72px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; overflow-x: hidden; } /* prevent horizontal scroll on iOS Safari */

body {
  background: var(--bg);
  color: var(--text);
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden; /* prevent horizontal scroll from absolutely-positioned elements */
}

/* ============================================================
   TOP NAV
   ============================================================ */
.topnav {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--nav-h);
  background: rgba(4,4,4,0.92);
  border-bottom: 1px solid var(--white-border);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  display: flex;
  align-items: center;
  padding: 0 24px;
  gap: 8px;
  z-index: 100;
}

.topnav-brand {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-shrink: 0;
}
.topnav-crest {
  height: 38px;
  width: auto;
  filter: brightness(0) invert(1);
  opacity: 0.82;
}
.topnav-wordmark {
  height: 36px;
  width: auto;
  filter: brightness(0) invert(1);
  opacity: 0;
  transform: translateX(-8px);
  transition: opacity 0.35s ease, transform 0.35s ease;
  pointer-events: none;
}
.topnav.scrolled .topnav-wordmark {
  opacity: 0.82;
  transform: translateX(0);
  pointer-events: auto;
}

/* ---- text nav ---- */
.topnav-nav {
  display: flex;
  align-items: center;
  gap: 2px;
  margin-left: auto;
}

.tnav-item {
  position: relative;
}

.tnav-link {
  display: flex;
  align-items: center;
  gap: 5px;
  height: var(--nav-h);
  padding: 0 14px;
  background: none;
  border: none;
  color: var(--text-muted);
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  cursor: pointer;
  transition: color 0.2s;
  white-space: nowrap;
}
.tnav-link:hover { color: var(--white); }
.tnav-chevron {
  width: 10px; height: 10px;
  transition: transform 0.2s;
  flex-shrink: 0;
}
.tnav-item:hover .tnav-chevron { transform: rotate(180deg); }

/* dropdown */
.tnav-drop {
  position: absolute;
  top: calc(var(--nav-h) - 4px);
  right: 0;
  min-width: 210px;
  background: #0d0d0d;
  border: 1px solid var(--white-border);
  border-radius: 10px;
  padding: 6px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s;
  z-index: 200;
}
.tnav-item:hover .tnav-drop {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.tnav-drop-item {
  display: block;
  width: 100%;
  padding: 9px 14px;
  background: none;
  border: none;
  border-radius: 7px;
  color: var(--text-muted);
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 400;
  letter-spacing: 0.03em;
  text-align: left;
  cursor: pointer;
  transition: background 0.15s, color 0.15s;
  white-space: nowrap;
}
.tnav-drop-item:hover {
  background: rgba(255,255,255,0.07);
  color: var(--white);
}

/* ── Hamburger (mobile only) ── */
.tnav-hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px; height: 40px;
  padding: 8px;
  background: none;
  border: none;
  cursor: pointer;
  margin-left: auto;
  flex-shrink: 0;
}
.tnav-hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: var(--text-muted);
  border-radius: 2px;
  transition: transform 0.25s, opacity 0.25s, background 0.2s;
}
.tnav-hamburger:hover span { background: var(--white); }
.tnav-hamburger.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.tnav-hamburger.is-open span:nth-child(2) { opacity: 0; }
.tnav-hamburger.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile portal link — hidden on desktop, shown inside open mobile nav */
.mobile-portal-link { display: none; }

.topnav-end {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-left: auto;
  flex-shrink: 0;
}
.soc-btn, .topnav-icon-btn {
  width: 32px; height: 32px;
  color: var(--text-muted);
  display: flex; align-items: center; justify-content: center;
  transition: color 0.2s;
  text-decoration: none;
  border-radius: 8px;
}
.soc-btn svg, .topnav-icon-btn svg { width: 15px; height: 15px; }
.soc-btn:hover, .topnav-icon-btn:hover { color: var(--white); }

.topnav-portal-btn {
  display: inline-flex;
  align-items: center;
  height: 34px;
  padding: 0 16px;
  margin-left: 8px;
  background: transparent;
  border: 1px solid rgba(255,255,255,0.20);
  border-radius: 6px;
  color: var(--text-muted);
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  text-decoration: none;
  transition: border-color 0.2s, color 0.2s, background 0.2s;
  white-space: nowrap;
}
.topnav-portal-btn:hover {
  border-color: rgba(255,255,255,0.50);
  color: var(--white);
  background: rgba(255,255,255,0.05);
}


/* ============================================================
   PAGE MAIN
   ============================================================ */
.page-main { padding-top: var(--nav-h); min-height: 100vh; }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  min-height: 100vh;
  background: var(--bg);
  display: flex;
  align-items: center;
}

/* ============================================================
   HERO COMPASS
   ============================================================ */
.hero-compass {
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-20%, -50%);
  width: 72%;
  max-width: 900px;
  aspect-ratio: 1;
  pointer-events: none;
  user-select: none;
  z-index: 1;
}

.hc-rings,
.hc-spinner,
.hc-spinner-rev {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

.hc-rings {
  animation: hc-pulse 6s ease-in-out infinite;
}

.hc-spinner {
  animation: hc-spin 75s linear infinite;
  transform-origin: center;
}
.hc-spinner-rev {
  animation: hc-spin-rev 48s linear infinite;
  transform-origin: center;
}

@keyframes hc-spin     { to { transform: rotate(360deg); } }
@keyframes hc-spin-rev { to { transform: rotate(-360deg); } }
@keyframes hc-pulse    { 0%, 100% { opacity: 1; } 50% { opacity: 0.45; } }

.hc-crest-wrap {
  position: absolute;
  left: 50%;
  top: calc(50% + 18px);
  transform: translate(-50%, -56%);
  width: 52%;
  height: 52%;
  overflow: hidden;
  transition: opacity 0.6s ease;
  -webkit-mask-image: url('../images/seal.svg');
  mask-image: url('../images/seal.svg');
  -webkit-mask-repeat: no-repeat;
  mask-repeat: no-repeat;
  -webkit-mask-position: center;
  mask-position: center;
  -webkit-mask-size: contain;
  mask-size: contain;
}
.hc-crest {
  width: 100%;
  height: 100%;
  object-fit: contain;
  filter: brightness(0) invert(1);
  opacity: 0.14;
  display: block;
}
/* Shimmer sweep */
.hc-crest-wrap::after {
  content: '';
  position: absolute;
  top: -10%;
  left: 0;
  width: 45%;
  height: 120%;
  background: linear-gradient(
    to right,
    transparent 0%,
    rgba(255,255,255,0.10) 35%,
    rgba(255,255,255,0.22) 50%,
    rgba(255,255,255,0.10) 65%,
    transparent 100%
  );
  transform: translateX(-300%) skewX(-15deg);
  animation: hc-shimmer 12s ease-in-out infinite;
  pointer-events: none;
  will-change: transform;
}
@keyframes hc-shimmer {
  0%   { transform: translateX(-300%) skewX(-15deg); opacity: 0; }
  12%  { transform: translateX(-300%) skewX(-15deg); opacity: 1; }
  58%  { transform: translateX(420%)  skewX(-15deg); opacity: 1; }
  60%  { transform: translateX(420%)  skewX(-15deg); opacity: 0; }
  100% { transform: translateX(-300%) skewX(-15deg); opacity: 0; }
}

/* ── Compass — live ticker pill display ────────────────────────── */
.hc-ticker-display {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding: 6% 7%;
  pointer-events: none;
  z-index: 1;
}
.hc-ticker-label {
  margin: 0;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.42);
  text-align: center;
  transition: opacity 0.45s ease;
}
.hc-ticker-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
  justify-content: center;
  align-items: stretch;
  max-width: 92%;
  transition: opacity 0.45s ease;
}
.hc-ticker-pill {
  display: inline-flex;
  flex-direction: column;
  gap: 2px;
  padding: 5px 11px;
  border-radius: 20px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.10);
  white-space: nowrap;
}
.hc-pill-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
}
.hc-pill-name {
  display: flex;
  align-items: center;
  gap: 5px;
}
.hc-pill-logo {
  width: 16px;
  height: 16px;
  border-radius: 50%;
  object-fit: contain;
  flex-shrink: 0;
}
.hc-pill-sym {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: rgba(255,255,255,0.78);
}
.hc-pill-price {
  font-size: 11px;
  color: rgba(255,255,255,0.38);
}
.hc-pill-pct {
  font-size: 13px;
  font-weight: 600;
}
.hc-ticker-pill--gain .hc-pill-pct { color: #5db85d; }
.hc-ticker-pill--loss .hc-pill-pct { color: #d95050; }
/* News headline pill (TOP STORY / THE WORLD) */
.hc-ticker-pill--news {
  flex-direction: column;
  justify-content: flex-start;
  align-items: flex-start;
  text-align: left;
  width: 100%;
  max-width: 300px;
  padding: 8px 14px;
  gap: 4px;
  white-space: normal;
  pointer-events: all;
  cursor: pointer;
  text-decoration: none;
  transition: background 0.2s ease, border-color 0.2s ease;
}
.hc-ticker-pill--news:hover {
  background: rgba(255,255,255,0.10);
  border-color: rgba(255,255,255,0.22);
}
.hc-pill-source {
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: rgba(255,255,255,0.32);
  text-transform: uppercase;
}
.hc-pill-headline {
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,0.90);
  line-height: 1.4;
  letter-spacing: 0.01em;
}
.hc-pill-description {
  font-size: 11px;
  font-weight: 400;
  color: rgba(255,255,255,0.55);
  line-height: 1.45;
  letter-spacing: 0.01em;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
/* Only show source tag on the first news pill */
.hc-ticker-pill--news + .hc-ticker-pill--news .hc-pill-source {
  display: none;
}

/* ── Compass — curved section labels + rotating arrow ──────────── */
.hc-label-svg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
}
.hc-label-text {
  font-size: 7.5px;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  letter-spacing: 0.14em;
  fill: rgba(255,255,255,0.15);
  transition: fill 0.5s ease;
  pointer-events: all;        /* override parent SVG pointer-events: none */
  cursor: pointer;
  stroke: transparent;        /* invisible wide hit zone around the text */
  stroke-width: 14px;
}
.hc-label-text.active {
  fill: rgba(255,255,255,0.88);
}
/* Arrow rotates around SVG centre (220,220) via view-box origin */
.hc-arrow {
  transform-box: view-box;
  transform-origin: center;
  transition: transform 0.85s cubic-bezier(0.4, 0, 0.2, 1);
}
.hc-arrow-poly {
  fill: rgba(255,255,255,0.80);
  filter: drop-shadow(0 0 3px rgba(255,255,255,0.30));
}

/* Coin (unused by default, kept for optional reinstatement) */
.hero-coin-wrap {
  position: absolute;
  right: -4%; top: 50%;
  transform: translateY(-50%);
  width: 44%; max-width: 580px;
  pointer-events: none; user-select: none; z-index: 2;
}
.hero-coin-img {
  width: 100%; height: auto; display: block;
  mix-blend-mode: screen; opacity: 0.88;
  filter: brightness(0.75) contrast(1.1);
}

.hero-content {
  position: relative;
  z-index: 2;
  padding: 100px var(--section-x);
  max-width: 680px;
}

/* Logo — white mask */
.hero-logo-wrap {
  position: relative;
  width: 200px;
  margin-bottom: 40px;
}
.hero-logo-sizer {
  width: 100%; height: auto; display: block; opacity: 0;
}
.hero-logo-gradient {
  position: absolute; inset: 0;
  background: var(--white);
  -webkit-mask-image: url('/images/logo.avif');
  mask-image: url('/images/logo.avif');
  -webkit-mask-size: 100% 100%; mask-size: 100% 100%;
  -webkit-mask-repeat: no-repeat; mask-repeat: no-repeat;
  opacity: 0.88;
}

/* Seal — white mask */
.hero-seal-wrap {
  position: relative;
  margin-top: 48px;
  width: 100px;
}
.hero-seal-sizer {
  width: 100%; height: auto; display: block; opacity: 0;
}
.hero-seal-gradient {
  position: absolute; inset: 0;
  background: var(--white);
  -webkit-mask-image: url('/images/seal.svg');
  mask-image: url('/images/seal.svg');
  -webkit-mask-size: 100% 100%; mask-size: 100% 100%;
  -webkit-mask-repeat: no-repeat; mask-repeat: no-repeat;
  opacity: 0.40;
}

.footer-logo-img {
  height: 30px; width: auto;
  filter: brightness(0) invert(1);
  opacity: 0.75;
}

.hero-tag {
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.18em;
  color: var(--text-muted);
  text-transform: uppercase;
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.hero-tag::before {
  content: '';
  display: inline-block;
  width: 20px; height: 1px;
  background: var(--white-muted);
  flex-shrink: 0;
}

.hero-title {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: clamp(56px, 7.5vw, 104px);
  font-weight: 300;
  line-height: 0.96;
  color: var(--white);
  margin-bottom: 28px;
  letter-spacing: -0.025em;
  padding-bottom: 0.12em;
}
/* Typewriter second line — nowrap + min-height holds space when text is empty */
.hero-type-line {
  display: block;
  white-space: nowrap;
  min-height: 1em;
  color: #C9A84C;
}

.hero-subtitle {
  font-size: 13px;
  font-weight: 400;
  color: var(--text-muted);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.hero-body {
  font-size: 15px;
  line-height: 1.75;
  color: var(--text-muted);
  max-width: 420px;
  margin-bottom: 44px;
  font-weight: 300;
}

/* Filled CTA — white button, black text */
.hero-cta {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 32px;
  background: var(--white);
  color: #080808;
  text-decoration: none;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  transition: background 0.25s, color 0.25s;
}
.hero-cta:hover {
  background: var(--off-white);
}
.hero-cta span { display: inline-block; transition: transform 0.25s; }
.hero-cta:hover span { transform: translateX(4px); }

/* ============================================================
   CERTIFICATIONS BAR — slot-based cycling (slide-up + fade)
   ============================================================ */
.certs-bar {
  background: var(--bg-raised);
  padding: 52px var(--section-x);
}
.certs-label {
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.18em;
  color: var(--text-dim);
  text-transform: uppercase;
  margin-bottom: 40px;
  text-align: center;
}
.certs-grid {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 64px;
  flex-wrap: wrap;
}
/* Each slot is a fixed-size cell; logos swap inside via JS */
.cert-slot {
  position: relative;
  width: 160px;
  height: 90px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}
.cert-slot img {
  position: absolute;
  max-width: 150px;
  max-height: 90px;
  width: auto;
  height: auto;
  object-fit: contain;
  opacity: 0.5;
  filter: grayscale(1) brightness(2.5);
  transition: opacity 0.25s, filter 0.25s;
}
.cert-slot img:hover {
  opacity: 0.9;
  filter: grayscale(0) brightness(1);
}
.cert-slot img.cert-logo--wide { max-height: 54px; }

/* ============================================================
   MARKET INDICES
   ============================================================ */
.market-indices {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  background: var(--bg);
}
.index-card {
  padding: 56px 40px;
  text-align: center;
  border-right: 1px solid var(--white-border);
  border-top: 1px solid var(--white-border);
  transition: background 0.25s;
}
.index-card:last-child { border-right: none; }
.index-card:hover { background: rgba(255,255,255,0.025); }
.index-name {
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--text-dim);
  margin-bottom: 20px;
}
.index-price {
  font-family: 'Cormorant Garamond', serif;
  font-size: 48px;
  font-weight: 300;
  color: var(--white);
  letter-spacing: -0.02em;
  line-height: 1;
  margin-bottom: 12px;
}
.index-change, .index-pct {
  font-size: 13px;
  font-weight: 500;
  line-height: 1.6;
}
.index-change.positive, .index-pct.positive { color: #5dba78; }
.index-change.negative, .index-pct.negative { color: #d95f5f; }
.index-label {
  font-size: 10px;
  color: var(--text-dim);
  margin-top: 10px;
  letter-spacing: 0.06em;
}

/* ============================================================
   PERFORMANCE CHART
   ============================================================ */
.perf-section {
  padding: 96px var(--section-x);
  background: var(--bg-raised);
  border-top: 1px solid var(--white-border);
}
.perf-header {
  display: flex;
  gap: 80px;
  margin-bottom: 48px;
  align-items: center;
}
.perf-header-left { flex: 0 0 auto; }
.perf-header-right { flex: 1; display: flex; align-items: center; }

.perf-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(36px, 4vw, 52px);
  font-weight: 300;
  line-height: 1.1;
  color: var(--text);
  letter-spacing: -0.015em;
}
.perf-desc {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.8;
  max-width: 480px;
  font-weight: 300;
}

.perf-tabs {
  display: flex;
  margin-bottom: 28px;
  gap: 4px;
}
.perf-tab {
  padding: 9px 22px;
  background: transparent;
  border: 1px solid transparent;
  border-radius: 6px;
  color: var(--text-muted);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.04em;
  cursor: pointer;
  transition: all 0.2s;
  font-family: 'Inter', sans-serif;
}
.perf-tab:hover { color: var(--white); background: rgba(255,255,255,0.06); }
.perf-tab.active {
  color: var(--white);
  background: rgba(255,255,255,0.08);
  border-color: var(--white-border);
}

.perf-chart-wrap {
  position: relative;
  background: var(--bg-card);
  border-radius: 12px;
  padding: 32px;
  height: 380px;
}
.perf-chart-wrap canvas { max-height: 100%; }
.perf-loading {
  position: absolute; inset: 0;
  display: none;
  align-items: center; justify-content: center;
  font-size: 13px;
  color: var(--text-muted);
  letter-spacing: 0.06em;
  border-radius: 12px;
}
.perf-loading.visible { display: flex; }

/* ============================================================
   STOCK TICKERS
   ============================================================ */
.stock-tickers {
  background: var(--bg);
  border-top: 1px solid var(--white-border);
  overflow: hidden;
  padding: 18px 0;
}
.tickers-inner {
  display: flex;
  flex-wrap: nowrap;
  animation: ticker-scroll 50s linear infinite;
  width: max-content;
}
.tickers-inner:hover { animation-play-state: paused; }
@keyframes ticker-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
.ticker-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-width: 190px;
  padding: 4px 22px;
  border-right: 1px solid var(--white-border);
  white-space: nowrap;
}
.ticker-logo { width: 20px; height: 20px; object-fit: contain; border-radius: 4px; opacity: 0.90; filter: none; }
.ticker-symbol { font-size: 11px; font-weight: 600; color: var(--text); letter-spacing: 0.04em; }
.ticker-price { font-size: 13px; color: var(--white); font-weight: 500; }
.ticker-chg { font-size: 11px; font-weight: 500; }
.ticker-chg.positive { color: #5dba78; }
.ticker-chg.negative { color: #d95f5f; }

/* ============================================================
   INVESTOR INSIGHTS
   ============================================================ */
.insights-section {
  padding: 96px var(--section-x);
  background: var(--bg);
  border-top: 1px solid var(--white-border);
}
.insights-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 52px;
  gap: 40px;
}
.insights-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(36px, 4vw, 52px);
  font-weight: 300;
  color: var(--text);
  letter-spacing: -0.015em;
  line-height: 1.1;
  margin-bottom: 12px;
}
.insights-sub {
  font-size: 13px;
  color: var(--text-muted);
  max-width: 400px;
  line-height: 1.75;
  font-weight: 300;
}
.insights-more-btn {
  flex-shrink: 0;
  padding: 10px 24px;
  border: 1px solid var(--white-border);
  border-radius: 6px;
  color: var(--text-muted);
  text-decoration: none;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.06em;
  transition: all 0.2s;
  white-space: nowrap;
}
.insights-more-btn:hover { border-color: rgba(255,255,255,0.35); color: var(--white); background: rgba(255,255,255,0.05); }

.insights-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
  background: var(--white-border);
  border: 1px solid var(--white-border);
  border-radius: 12px;
  overflow: hidden;
}
.insight-card {
  display: block;
  text-decoration: none;
  background: var(--bg-card);
  transition: background 0.25s;
}
.insight-card:hover { background: #161616; }
.insight-img-wrap { overflow: hidden; aspect-ratio: 16/9; }
.insight-img {
  width: 100%; height: 100%; object-fit: cover;
  display: block;
  filter: grayscale(1) brightness(0.70);
  transition: transform 0.5s ease, filter 0.4s ease;
}
.insight-card:hover .insight-img { transform: scale(1.04); filter: grayscale(0) brightness(0.95) saturate(1.25); }
.insight-body { padding: 24px 28px 32px; }
.insight-meta { font-size: 11px; color: var(--text-dim); letter-spacing: 0.04em; margin-bottom: 10px; }
.insight-headline {
  font-family: 'Cormorant Garamond', serif;
  font-size: 21px;
  font-weight: 400;
  color: var(--text);
  line-height: 1.3;
}
.insight-card:hover .insight-headline { color: var(--white); }

/* ============================================================
   QUOTE
   ============================================================ */
.quote-section {
  position: relative;
  padding: 120px var(--section-x);
  overflow: hidden;
  text-align: center;
  border-top: 1px solid var(--white-border);
}
.quote-bg {
  position: absolute; inset: 0;
  background-size: cover;
  background-position: center;
  filter: brightness(0.08) grayscale(1);
}
.quote-overlay {
  position: absolute; inset: 0;
  background: rgba(8,8,8,0.85);
}
.quote-content {
  position: relative; z-index: 2;
  max-width: 700px; margin: 0 auto;
}
.quote-text {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(26px, 3.2vw, 44px);
  font-weight: 300;
  font-style: italic;
  color: var(--white);
  line-height: 1.45;
  margin-bottom: 40px;
  letter-spacing: -0.01em;
  min-height: 2.9em;
}
.quote-text::after {
  content: '';
  display: inline-block;
  width: 2px;
  height: 0.9em;
  background: rgba(255,255,255,0.6);
  margin-left: 2px;
  vertical-align: baseline;
  animation: quoteBlink 0.8s step-end infinite;
}
@keyframes quoteBlink {
  50% { background: transparent; }
}
.quote-author {
  font-size: 11px;
  font-weight: 600;
  color: var(--white-muted);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.quote-role {
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: #040404; border-top: 1px solid var(--white-border); }
.footer-body { padding: 72px var(--section-x) 44px; }
.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 64px;
}
.footer-brand { display: flex; align-items: center; gap: 8px; }
.fbrand-jax { font-size: 20px; font-weight: 700; color: var(--white); letter-spacing: 0.08em; }
.fbrand-sep { font-size: 14px; color: var(--white-dim); }
.fbrand-cap { font-size: 11px; font-weight: 600; color: var(--white-muted); letter-spacing: 0.22em; }
.footer-nav { display: flex; align-items: center; gap: 28px; }
.footer-nav-link { color: var(--text-muted); text-decoration: none; font-size: 13px; transition: color 0.2s; }
.footer-nav-link:hover { color: var(--white); }
.footer-nav-btn {
  color: var(--white); text-decoration: none; font-size: 12px;
  padding: 10px 22px; border: 1px solid var(--white-border);
  border-radius: 6px; letter-spacing: 0.06em; transition: all 0.2s;
}
.footer-nav-btn:hover { background: rgba(255,255,255,0.07); border-color: rgba(255,255,255,0.35); }

.footer-tagline {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(36px, 4.5vw, 64px);
  font-weight: 300;
  line-height: 1.08;
  color: var(--white);
  margin-bottom: 52px;
  letter-spacing: -0.02em;
}
.footer-rule { height: 1px; background: var(--white-border); margin-bottom: 28px; }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; }
.footer-addr, .footer-copy { font-size: 12px; color: var(--text-dim); }

/* ============================================================
   HISTORIC MARKET RETURNS
   ============================================================ */
.mkt-returns-section {
  padding: 80px var(--section-x) 60px;
  background: var(--bg-raised);
}
.mkt-returns-header {
  display: flex;
  align-items: flex-start;
  gap: 80px;
  margin-bottom: 48px;
}
.mkt-returns-header-left { flex: 0 0 auto; }
.mkt-returns-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.6rem;
  font-weight: 300;
  color: var(--white);
  line-height: 1.15;
  margin: 0;
}
.mkt-returns-header-right {
  flex: 1;
  padding-top: 8px;
}
.mkt-returns-desc {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.75;
  margin: 0;
  max-width: 560px;
}
.mkt-stats-row {
  display: flex;
  gap: 2px;
  margin-bottom: 40px;
}
.mkt-stat {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding: 24px 28px;
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--white-border);
}
.mkt-stat-val {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2rem;
  font-weight: 400;
  color: var(--white);
  letter-spacing: -0.01em;
}
.mkt-stat-val--up   { color: rgba(140,210,140,1); }
.mkt-stat-val--down { color: rgba(220,90,80,1); }
.mkt-stat-lbl {
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  color: var(--text-dim);
}
.mkt-returns-chart-wrap {
  height: 340px;
  position: relative;
}
.mkt-returns-disc {
  margin-top: 24px;
  font-size: 0.68rem;
  color: var(--text-dim);
  line-height: 1.65;
}

/* ============================================================
   FLAT MARKET SECTION
   ============================================================ */
.flat-mkt-section {
  padding: 80px var(--section-x) 80px;
  background: var(--bg);
}
.flat-mkt-inner {
  display: flex;
  gap: 72px;
  align-items: flex-start;
}
.flat-mkt-left {
  flex: 0 0 320px;
}
.flat-mkt-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.2rem;
  font-weight: 300;
  color: var(--white);
  line-height: 1.2;
  margin: 0 0 28px;
}
.flat-mkt-body {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.8;
  margin: 0 0 16px;
}
.flat-mkt-body em {
  color: rgba(255,255,255,0.75);
  font-style: normal;
}
.flat-mkt-right {
  flex: 1;
  min-width: 0;
}
.flat-mkt-chart-title {
  font-size: 0.8rem;
  font-weight: 500;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0 0 24px;
  border-bottom: 1px solid var(--white-border);
  padding-bottom: 14px;
}
.flat-charts-wrap {
  display: flex;
  flex-direction: column;
  gap: 40px;
}
.flat-chart-block {}
.flat-chart-label {
  font-size: 0.78rem;
  font-weight: 600;
  color: rgba(255,255,255,0.55);
  margin: 0 0 12px;
  letter-spacing: 0.02em;
}
.flat-chart-wrap {
  height: 200px;
  position: relative;
}
.flat-legend {
  display: flex;
  gap: 28px;
  margin-top: 24px;
  padding-top: 16px;
  border-top: 1px solid var(--white-border);
}
.flat-leg {
  font-size: 0.72rem;
  color: var(--text-muted);
  letter-spacing: 0.02em;
}
.flat-leg--mgd  { color: rgba(255,255,255,0.85); }
.flat-leg--sp   { color: rgba(160,180,220,0.85); }
.flat-leg--spx  { color: rgba(160,160,160,0.65); }

/* ============================================================
   BENEFIT OF TIME
   ============================================================ */
.ben-time-section {
  padding: 80px var(--section-x) 80px;
  background: var(--bg-raised);
}
.ben-time-inner {
  display: flex;
  gap: 72px;
  align-items: flex-start;
}
.ben-time-left {
  flex: 0 0 300px;
}
.ben-time-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.2rem;
  font-weight: 300;
  color: var(--white);
  line-height: 1.2;
  margin: 0 0 28px;
}
.ben-time-body {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.8;
  margin: 0 0 16px;
}
.ben-time-callout {
  margin-top: 36px;
  padding: 24px 28px;
  background: rgba(255,255,255,0.05);
  border-left: 3px solid rgba(255,255,255,0.25);
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.15rem;
  font-weight: 400;
  color: var(--white);
  line-height: 1.5;
}
.ben-time-right {
  flex: 1;
  min-width: 0;
}
.ben-donuts-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
}
.ben-donut-block {
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--white-border);
  padding: 32px 28px 24px;
  display: flex;
  flex-direction: column;
  align-items: center;
}
.ben-donut-wrap {
  position: relative;
  width: 140px;
  height: 140px;
  margin-bottom: 16px;
}
.ben-donut-center {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.5rem;
  font-weight: 400;
  color: var(--white);
}
.ben-donut-title {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.55);
  margin: 0 0 14px;
  text-align: center;
}
.ben-donut-legend {
  display: flex;
  flex-direction: column;
  gap: 6px;
  width: 100%;
  font-size: 0.72rem;
  color: var(--text-muted);
}
.ben-donut-legend span { display: flex; align-items: center; gap: 8px; }
.ben-donut-legend span::before {
  content: '■';
  font-size: 0.6rem;
}
.ben-donut-legend .leg-pos::before { color: rgba(255,255,255,0.85); }
.ben-donut-legend .leg-neg::before { color: rgba(200,70,60,0.85); }
.ben-time-disc {
  margin-top: 20px;
  font-size: 0.68rem;
  color: var(--text-dim);
  line-height: 1.65;
}

/* ============================================================
   WHAT IF YOU INVESTED CALCULATOR
   ============================================================ */
.wii-section {
  padding: 80px var(--section-x) 80px;
  background: var(--bg);
}
.wii-header {
  display: flex;
  align-items: flex-start;
  gap: 80px;
  margin-bottom: 48px;
}
.wii-header-left { flex: 0 0 auto; }
.wii-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.6rem;
  font-weight: 300;
  color: var(--white);
  line-height: 1.15;
  margin: 0;
}
.wii-header-right { flex: 1; padding-top: 8px; }
.wii-desc {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.75;
  margin: 0;
  max-width: 520px;
}
.wii-controls {
  display: flex;
  gap: 16px;
  align-items: flex-end;
  margin-bottom: 40px;
  flex-wrap: wrap;
}
.wii-field {
  display: flex;
  flex-direction: column;
  gap: 8px;
  position: relative;
}
.wii-ticker-status {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.05em;
  margin-top: 4px;
  min-height: 16px;
  transition: color 0.2s;
}
.wii-ticker-checking { color: var(--text-dim); }
.wii-ticker-valid    { color: #6fcf7a; }
.wii-ticker-invalid  { color: #f87171; }
.wii-label {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--text-dim);
}
.wii-input {
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--white-border);
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  padding: 12px 16px;
  outline: none;
  transition: border-color 0.2s;
  min-width: 160px;
}
.wii-input:focus { border-color: rgba(255,255,255,0.35); }
.wii-input-prefix-wrap { position: relative; }
.wii-prefix {
  position: absolute;
  left: 14px; top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
  font-size: 0.95rem;
  pointer-events: none;
}
.wii-input--prefixed { padding-left: 28px; }
.wii-btn {
  background: var(--white);
  color: #080808;
  border: none;
  font-family: 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 13px 28px;
  cursor: pointer;
  transition: opacity 0.2s;
  white-space: nowrap;
}
.wii-btn:hover { opacity: 0.85; }
.wii-btn:disabled { opacity: 0.45; cursor: not-allowed; }
.wii-result-stats {
  display: flex;
  gap: 2px;
  margin-bottom: 36px;
}
.wii-rstat {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding: 24px 28px;
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--white-border);
}
.wii-rstat-val {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2rem;
  font-weight: 400;
  color: var(--white);
  letter-spacing: -0.01em;
}
.wii-rstat-val--up   { color: rgba(140,210,140,1); }
.wii-rstat-val--down { color: rgba(220,90,80,1); }
.wii-rstat-lbl {
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  color: var(--text-dim);
}
.wii-chart-wrap {
  height: 300px;
  position: relative;
}
.wii-disc {
  margin-top: 20px;
  font-size: 0.68rem;
  color: var(--text-dim);
  line-height: 1.65;
}
.wii-error {
  padding: 16px 20px;
  background: rgba(200,60,50,0.12);
  border: 1px solid rgba(200,60,50,0.3);
  color: rgba(230,120,110,0.9);
  font-size: 0.85rem;
  margin-top: 8px;
}

/* ============================================================
   PUT YOUR MONEY TO WORK
   ============================================================ */
.pmtw-section {
  padding: 100px var(--section-x) 80px;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.pmtw-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 40px;
  margin-bottom: 56px;
}
.pmtw-label {
  font-size: 0.68rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: rgba(255,255,255,0.3);
  margin-bottom: 14px;
}
.pmtw-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2rem, 3.5vw, 3rem);
  font-weight: 300;
  color: #fff;
  line-height: 1.1;
  margin: 0;
}
.pmtw-desc {
  max-width: 500px;
  font-size: 0.9rem;
  line-height: 1.75;
  color: rgba(255,255,255,0.48);
  margin: 0;
}
.pmtw-chart-controls {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  margin-bottom: 18px;
}
.pmtw-chart-subtitle {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.32);
  margin: 0;
  transition: color 0.4s;
}
.pmtw-toggle-btn {
  flex-shrink: 0;
  background: transparent;
  border: 1px solid rgba(201,168,76,0.35);
  color: rgba(201,168,76,0.65);
  font-family: 'Inter', sans-serif;
  font-size: 0.73rem;
  font-weight: 500;
  letter-spacing: 0.07em;
  padding: 9px 20px;
  cursor: pointer;
  border-radius: 2px;
  transition: background 0.2s, color 0.2s, border-color 0.2s;
  white-space: nowrap;
}
.pmtw-toggle-btn:hover {
  background: rgba(201,168,76,0.1);
  border-color: rgba(201,168,76,0.55);
  color: #C9A84C;
}
.pmtw-toggle-btn--active {
  background: rgba(201,168,76,0.12);
  border-color: rgba(201,168,76,0.5);
  color: #C9A84C;
}
.pmtw-chart-wrap {
  position: relative;
  height: 360px;
  margin-bottom: 48px;
}
.pmtw-chart-wrap canvas {
  width: 100% !important;
  height: 360px !important;
}
/* ── Income cards ── */
.pmtw-cards-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 64px;
}
.pmtw-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 2px;
  padding: 28px 24px;
}
.pmtw-card--gold {
  background: rgba(201,168,76,0.07);
  border-color: rgba(201,168,76,0.35);
}
.pmtw-card-label {
  font-size: 0.68rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: rgba(255,255,255,0.38);
  margin-bottom: 6px;
}
.pmtw-card--gold .pmtw-card-label { color: rgba(201,168,76,0.75); }
.pmtw-card-rate {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.28);
  margin-bottom: 20px;
  line-height: 1.4;
}
.pmtw-card-income {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.8rem;
  font-weight: 400;
  color: rgba(255,255,255,0.82);
  line-height: 1;
  margin-bottom: 6px;
}
.pmtw-card--gold .pmtw-card-income { color: #C9A84C; }
.pmtw-card-mo {
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  opacity: 0.45;
}
.pmtw-card-annual {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.35);
  margin-bottom: 16px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  padding-bottom: 16px;
}
.pmtw-card-note {
  font-size: 0.76rem;
  line-height: 1.65;
  color: rgba(255,255,255,0.28);
}
/* ── Callout ── */
.pmtw-callout {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 56px;
  display: flex;
  gap: 72px;
  align-items: flex-start;
}
.pmtw-callout-left {
  flex: 1;
  min-width: 0;
}
.pmtw-callout-right {
  width: 310px;
  flex-shrink: 0;
  display: flex;
  flex-direction: column;
  gap: 36px;
}
.pmtw-callout-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.65rem;
  font-weight: 400;
  color: #fff;
  margin: 0 0 28px;
  line-height: 1.25;
}
.pmtw-callout-body {
  font-size: 0.9rem;
  line-height: 1.85;
  color: rgba(255,255,255,0.52);
  margin-bottom: 20px;
}
.pmtw-callout-body em {
  color: rgba(255,255,255,0.75);
  font-style: italic;
}
.pmtw-callout-disc {
  font-size: 0.72rem;
  line-height: 1.65;
  color: rgba(255,255,255,0.2);
  margin-top: 32px;
}
/* ── Right panel shared label ── */
.pmtw-right-label {
  font-size: 0.67rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  color: rgba(255,255,255,0.28);
  margin: 0 0 14px;
}
/* ── 12 payments grid ── */
.pmtw-payments-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 5px;
  margin-bottom: 12px;
}
.pmtw-payment-chip {
  border: 1px solid rgba(201,168,76,0.22);
  background: rgba(201,168,76,0.05);
  border-radius: 2px;
  padding: 8px 6px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 3px;
}
.pmtw-payment-month {
  font-size: 0.6rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(201,168,76,0.55);
}
.pmtw-payment-amt {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.6);
  font-weight: 500;
}
.pmtw-payments-total {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1rem;
  color: #C9A84C;
  text-align: right;
  padding-top: 10px;
  border-top: 1px solid rgba(201,168,76,0.18);
}
/* ── What it covers ── */
.pmtw-covers-list {
  list-style: none;
  padding: 0;
  margin: 0 0 10px;
}
.pmtw-covers-list li {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 9px 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
}
.pmtw-covers-list li span:last-child {
  color: rgba(255,255,255,0.72);
  font-weight: 500;
  font-variant-numeric: tabular-nums;
}
.pmtw-covers-total {
  font-size: 0.73rem;
  color: rgba(201,168,76,0.7);
  text-align: right;
  padding-top: 10px;
  letter-spacing: 0.02em;
}

/* ============================================================
   SCROLLBAR
   ============================================================ */
::-webkit-scrollbar { width: 4px; }
::-webkit-scrollbar-track { background: transparent; }
::-webkit-scrollbar-thumb { background: rgba(255,255,255,0.12); border-radius: 4px; }
::-webkit-scrollbar-thumb:hover { background: rgba(255,255,255,0.28); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 900px) {
  :root { --nav-h: 56px; --section-x: 24px; }
  .topnav { padding: 0 16px; gap: 0; }
  .topnav-wordmark { height: 20px; }
  .topnav-crest { height: 28px; }
  /* ── Hamburger button ── */
  .tnav-hamburger { display: flex; }
  .topnav-nav { display: none; }
  .topnav-portal-btn { display: none; }
  .topnav-end { display: none; } /* hide social icons; portal link is inside nav drawer */

  /* Mobile drawer */
  .topnav-nav.mobile-open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: var(--nav-h);
    left: 0; right: 0; bottom: 0;
    width: 100%; max-width: 100vw; /* prevent overflow on iOS */
    background: rgba(8,8,8,0.98);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    z-index: 999;
    padding: 20px 0 40px;
    overflow-y: auto;
    overflow-x: hidden; /* prevent items from widening the overlay */
    align-items: stretch;
  }
  .topnav-nav.mobile-open .tnav-item { display: block !important; }
  .topnav-nav.mobile-open .tnav-link {
    width: 100%;
    height: 54px;
    font-size: 13px;
    padding: 0 28px;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    justify-content: space-between;
    white-space: normal; /* override nowrap so long labels wrap */
    overflow-wrap: break-word;
  }
  .topnav-nav.mobile-open .tnav-drop {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    background: rgba(255,255,255,0.04);
    border: none;
    border-radius: 0;
    padding: 0;
  }
  .topnav-nav.mobile-open .tnav-drop-item {
    font-size: 12px;
    padding: 14px 28px 14px 40px;
    border-bottom: 1px solid rgba(255,255,255,0.04);
    display: block;
    width: 100%;
    text-align: left;
    white-space: normal; /* override nowrap — prevents overlay from overflowing screen */
    overflow-wrap: break-word;
  }
  .topnav-nav.mobile-open .tnav-has-drop .tnav-chevron { display: none; }
  .mobile-portal-link {
    display: block;
    margin: 20px 24px 0;
    padding: 14px 20px;
    background: transparent;
    border: 1px solid rgba(255,255,255,0.20);
    border-radius: 8px;
    color: var(--text-muted);
    font-size: 12px;
    font-weight: 500;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    text-align: center;
    text-decoration: none;
    transition: border-color 0.2s, color 0.2s;
  }
  .mobile-portal-link:hover { border-color: rgba(255,255,255,0.5); color: var(--white); }
  /* Hero — text first, globe below */
  .hero { flex-direction: column; min-height: auto; overflow: hidden; }
  .hero-content { padding: 72px var(--section-x) 40px; width: 100%; max-width: 100%; order: 1; }
  .hero-compass {
    order: 2; /* appear after text in column layout */
    position: relative;
    width: min(90%, 320px); /* contained within viewport */
    left: auto; right: auto; top: auto;
    transform: none;
    height: min(90vw, 320px); /* square based on screen width */
    margin: 0 auto 48px;
    opacity: 0.7;
    overflow: hidden; /* clip any inner absolute children */
  }
  .market-indices { grid-template-columns: 1fr; }
  .index-card { border-right: none; border-bottom: 1px solid var(--white-border); }
  .index-card:last-child { border-bottom: none; }
  .perf-section, .certs-bar { padding: 64px var(--section-x); }
  .perf-header { flex-direction: column; gap: 20px; }
  .insights-section, .quote-section { padding: 64px var(--section-x); }
  .insights-grid { grid-template-columns: 1fr; }
  .insights-header { flex-direction: column; align-items: flex-start; }
  .footer-body { padding: 52px var(--section-x) 36px; }
  .footer-top { flex-direction: column; gap: 28px; align-items: flex-start; }
  .footer-bottom { flex-direction: column; gap: 8px; align-items: flex-start; }

  /* Historic returns */
  .mkt-returns-section { padding: 60px var(--section-x) 48px; }
  .mkt-returns-header { flex-direction: column; gap: 20px; }
  .mkt-stats-row { flex-wrap: wrap; }
  .mkt-stat { flex: 1 1 calc(50% - 2px); }

  /* Flat market — force charts to fit viewport */
  .flat-mkt-section { padding: 60px var(--section-x) 60px; overflow: hidden; }
  .flat-mkt-inner { flex-direction: column; gap: 40px; }
  .flat-mkt-left { flex: none; }
  .flat-mkt-right { width: 100%; max-width: 100%; }
  .flat-charts-wrap { width: 100%; max-width: 100%; }
  .flat-chart-block { width: 100%; max-width: 100%; }
  .flat-chart-wrap { width: 100%; max-width: 100%; height: 180px; }
  .flat-chart-wrap canvas { width: 100% !important; height: 180px !important; }
  .flat-legend { flex-wrap: wrap; gap: 12px; }

  /* Benefit of time */
  .ben-time-section { padding: 60px var(--section-x) 60px; }
  .ben-time-inner { flex-direction: column; gap: 40px; }
  .ben-time-left { flex: none; }
  .ben-donuts-grid { grid-template-columns: 1fr 1fr; }
  .ben-donut-wrap { width: 110px; height: 110px; }
  .ben-donut-center { font-size: 1.2rem; }

  /* What if calculator */
  .wii-section { padding: 60px var(--section-x) 60px; }
  .wii-header { flex-direction: column; gap: 20px; }
  .wii-controls { flex-direction: column; align-items: stretch; }
  .wii-input { min-width: unset; width: 100%; }
  .wii-btn { width: 100%; text-align: center; }
  .wii-result-stats { flex-wrap: wrap; }
  .wii-rstat { flex: 1 1 calc(50% - 2px); }

  /* Put money to work */
  .pmtw-section { padding: 60px var(--section-x) 60px; }
  .pmtw-header { flex-direction: column; gap: 20px; }
  .pmtw-chart-controls { flex-direction: column; align-items: flex-start; gap: 12px; }
  .pmtw-chart-wrap { height: 280px; }
  .pmtw-chart-wrap canvas { height: 280px !important; }
  .pmtw-cards-row { grid-template-columns: 1fr; }
  .pmtw-card-income { font-size: 2rem; }
  .pmtw-callout { flex-direction: column; gap: 40px; }
  .pmtw-callout-right { width: 100%; }
  .pmtw-payments-grid { grid-template-columns: repeat(2, 1fr); }

  /* Touch targets — minimum 44px tap area */
  .soc-btn { min-width: 44px; min-height: 44px; display: inline-flex; align-items: center; justify-content: center; }
  .footer-nav-link { min-height: 44px; display: inline-flex; align-items: center; padding: 0 8px; }

  /* Tiny text — bump sub-12px text to readable sizes on mobile */
  .flat-chart-label, .flat-leg, .ben-donut-label, .mkt-stat-label { font-size: 0.8rem; }
  .wii-label { font-size: 0.8rem; }
  .pmtw-pay-date, .pmtw-pay-amt { font-size: 0.75rem; }
  .certs-bar .certs-title { font-size: 0.75rem; }
}

/* ============================================================
   SMALL MOBILE  (≤ 480px)
   ============================================================ */
@media (max-width: 480px) {
  /* Fonts */
  .hero-title    { font-size: clamp(36px, 9vw, 56px); }
  .footer-tagline { font-size: clamp(28px, 7vw, 40px); }

  /* Nav — hamburger already hides the full nav at 900px; no item hiding needed here */
  .topnav-end { gap: 4px; }
  .topnav-icon-btn, .soc-btn { display: none; }

  /* Hero stacking — text above, globe below */
  .hero-title { font-size: clamp(36px, 9vw, 56px); }
  .footer-tagline { font-size: clamp(28px, 7vw, 40px); }

  /* Hero */
  .hero-content { padding: 56px var(--section-x) 32px; }
  .hero-compass { width: min(85%, 280px); height: min(85vw, 280px); margin-bottom: 40px; }

  /* Cards — single column on small phones */
  .pmtw-cards-row { grid-template-columns: 1fr; }
  .ben-donuts-grid { grid-template-columns: 1fr 1fr; }

  /* Payments calendar — 2 columns instead of 4 */
  .pmtw-payments-grid { grid-template-columns: repeat(2, 1fr); }

  /* Chart */
  .pmtw-chart-wrap { height: 220px; }
  .pmtw-chart-wrap canvas { height: 220px !important; }

  /* Perf tabs — allow wrap */
  .perf-tabs { flex-wrap: wrap; gap: 4px; }

  /* Insight cards — single column already, ensure padding is ok */
  .insight-body { padding: 18px 20px 24px; }

  /* Footer */
  .footer-nav { flex-direction: column; gap: 12px; align-items: flex-start; }
}