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

  :root {
    --navy: #1a2a4a;
    --navy-dark: #0f1a30;
    --navy-mid: #243558;
    --silver: #8a9ab5;
    --silver-light: #c8d0dd;
    --silver-bright: #e8ecf2;
    --white: #ffffff;
    --accent: #4a6fa5;
    --accent-light: #5c85c0;
    --text-body: #3a4558;
    --text-light: #6a7a94;
  }

  html { scroll-behavior: smooth; }

  body {
    font-family: 'Open Sans', sans-serif;
    color: var(--text-body);
    background: var(--white);
    overflow-x: hidden;
  }

  /* ── NAV ── */
  nav#navbar {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    background: rgba(15, 26, 48, 0.97);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid rgba(138, 154, 181, 0.2);
    padding: 0 5%;
    height: 70px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    transition: all 0.3s ease;
  }

  nav#navbar.scrolled {
    height: 60px;
    background: rgba(15, 26, 48, 0.99);
    box-shadow: 0 4px 20px rgba(0,0,0,0.3);
  }

  .nav-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    cursor: pointer;
  }

  .nav-logo img {
    height: 44px;
    width: auto;
    filter: drop-shadow(0 0 6px rgba(255,255,255,0.15));
    transition: transform 0.3s ease;
  }

  .nav-logo:hover img { transform: scale(1.05); }

  .nav-links {
    display: flex;
    align-items: center;
    gap: 36px;
    list-style: none;
  }

  .nav-links a {
    color: var(--silver-light);
    text-decoration: none;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 0.85rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    position: relative;
    padding-bottom: 4px;
    transition: color 0.3s ease;
  }

  .nav-links a::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0;
    width: 0; height: 2px;
    background: var(--silver-light);
    transition: width 0.3s ease;
  }

  .nav-links a:hover { color: var(--white); }
  .nav-links a:hover::after { width: 100%; }

  .nav-cta {
    background: var(--accent) !important;
    color: var(--white) !important;
    padding: 8px 20px !important;
    border-radius: 4px;
    transition: background 0.3s ease, transform 0.2s ease, box-shadow 0.3s ease !important;
  }

  .nav-cta::after { display: none !important; }
  .nav-cta:hover {
    background: var(--accent-light) !important;
    transform: translateY(-1px);
    box-shadow: 0 4px 14px rgba(74,111,165,0.5) !important;
  }

  .hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    padding: 11px 12px;
    background: transparent;
    border: 1.5px solid var(--white);
    border-radius: 6px;
    -webkit-appearance: none;
    appearance: none;
    margin: 0;
    line-height: 0;
  }
  .hamburger span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--white);
    transition: all 0.3s ease;
  }

  /* ── HERO ── */
  .hero {
    min-height: 100vh;
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-mid) 100%);
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
    padding-top: 70px;
  }

  .hero-bg-pattern {
    position: absolute;
    inset: 0;
    background-image:
      radial-gradient(circle at 20% 50%, rgba(74,111,165,0.12) 0%, transparent 50%),
      radial-gradient(circle at 80% 20%, rgba(138,154,181,0.08) 0%, transparent 40%),
      radial-gradient(circle at 60% 80%, rgba(74,111,165,0.08) 0%, transparent 40%);
  }

  .hero-grid {
    position: absolute;
    inset: 0;
    background-image:
      linear-gradient(rgba(138,154,181,0.04) 1px, transparent 1px),
      linear-gradient(90deg, rgba(138,154,181,0.04) 1px, transparent 1px);
    background-size: 60px 60px;
  }

  .hero-content {
    position: relative;
    z-index: 2;
    text-align: center;
    max-width: 900px;
    padding: 0 24px;
    opacity: 0;
    transform: translateY(30px);
    animation: heroReveal 1s ease forwards 0.2s;
  }

  @keyframes heroReveal {
    to { opacity: 1; transform: translateY(0); }
  }

  .hero-eyebrow {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--silver);
    margin-bottom: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
  }

  .hero-eyebrow::before,
  .hero-eyebrow::after {
    content: '';
    width: 40px;
    height: 1px;
    background: var(--silver);
    opacity: 0.6;
  }

  .hero-title {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(2.4rem, 5vw, 4rem);
    font-weight: 800;
    color: var(--white);
    line-height: 1.15;
    margin-bottom: 20px;
    letter-spacing: -0.02em;
  }

  .hero-title span {
    color: transparent;
    -webkit-text-stroke: 1px var(--silver-light);
    opacity: 0.7;
  }

  .hero-sub {
    font-size: 1.15rem;
    color: var(--silver-light);
    line-height: 1.7;
    max-width: 640px;
    margin: 0 auto 40px;
    font-weight: 400;
  }

  .hero-actions {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
  }

  .btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 32px;
    background: var(--accent);
    color: var(--white);
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 0.9rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    border: none;
    border-radius: 4px;
    cursor: pointer;
    text-decoration: none;
    transition: background 0.3s ease, transform 0.2s ease, box-shadow 0.3s ease;
  }

  .btn-primary:hover {
    background: var(--accent-light);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(74,111,165,0.5);
  }

  .btn-secondary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 32px;
    background: transparent;
    color: var(--silver-light);
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 0.9rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    border: 1.5px solid rgba(138,154,181,0.4);
    border-radius: 4px;
    cursor: pointer;
    text-decoration: none;
    transition: border-color 0.3s ease, color 0.3s ease, transform 0.2s ease;
  }

  .btn-secondary:hover {
    border-color: var(--silver-light);
    color: var(--white);
    transform: translateY(-2px);
  }

  .hero-scroll {
    position: absolute;
    bottom: 36px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    color: var(--silver);
    font-size: 0.7rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    animation: bounce 2s ease-in-out infinite;
  }

  .hero-scroll svg { animation: none; }

  @keyframes bounce {
    0%, 100% { transform: translateX(-50%) translateY(0); }
    50% { transform: translateX(-50%) translateY(6px); }
  }

  /* ── ABOUT STRIP ── */
  .about-strip {
    background: var(--white);
    padding: 90px 5%;
  }

  .about-inner {
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
  }

  .about-label {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--accent);
    margin-bottom: 16px;
  }

  .about-title {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 800;
    color: var(--navy-dark);
    line-height: 1.2;
    margin-bottom: 20px;
  }

  .about-text {
    font-size: 1rem;
    line-height: 1.8;
    color: var(--text-body);
    margin-bottom: 16px;
  }

  .about-pillars {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }

  .pillar-card {
    background: var(--navy-dark);
    border-radius: 8px;
    padding: 28px 24px;
    text-align: center;
    position: relative;
    overflow: hidden;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
  }

  .pillar-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--accent), var(--silver));
  }

  .pillar-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 32px rgba(15,26,48,0.2);
  }

  .pillar-icon {
    font-size: 2rem;
    margin-bottom: 12px;
  }

  .pillar-name {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--white);
    line-height: 1.3;
  }

  /* ── NZ WIDE BANNER ── */
  .nz-banner {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
    padding: 60px 5%;
    text-align: center;
    position: relative;
    overflow: hidden;
  }

  .nz-banner::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: radial-gradient(circle at 30% 50%, rgba(74,111,165,0.15) 0%, transparent 50%),
                      radial-gradient(circle at 70% 50%, rgba(138,154,181,0.1) 0%, transparent 40%);
  }

  .nz-content {
    position: relative;
    z-index: 1;
    max-width: 700px;
    margin: 0 auto;
  }

  .nz-flag {
    font-size: 2.5rem;
    margin-bottom: 16px;
  }

  .nz-title {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(1.5rem, 3vw, 2rem);
    font-weight: 800;
    color: var(--white);
    margin-bottom: 12px;
  }

  .nz-text {
    color: var(--silver-light);
    font-size: 1rem;
    line-height: 1.7;
  }

  /* ── DIFFERENTIATOR ── */
  .diff-section {
    padding: 90px 5%;
    background: var(--silver-bright);
  }

  .section-header {
    text-align: center;
    max-width: 620px;
    margin: 0 auto 60px;
  }

  .section-label {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--accent);
    margin-bottom: 12px;
  }

  .section-title {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 800;
    color: var(--navy-dark);
    line-height: 1.2;
    margin-bottom: 14px;
  }

  .section-sub {
    font-size: 1rem;
    color: var(--text-light);
    line-height: 1.7;
  }

  .diff-grid {
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }

  .diff-card {
    background: var(--white);
    border-radius: 8px;
    padding: 36px 28px;
    border-bottom: 3px solid transparent;
    transition: border-color 0.3s ease, transform 0.3s ease, box-shadow 0.3s ease;
  }

  .diff-card:hover {
    border-color: var(--accent);
    transform: translateY(-4px);
    box-shadow: 0 12px 32px rgba(74,111,165,0.12);
  }

  .diff-num {
    font-family: 'Montserrat', sans-serif;
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--silver-bright);
    line-height: 1;
    margin-bottom: 16px;
  }

  .diff-title {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 1rem;
    color: var(--navy-dark);
    margin-bottom: 10px;
  }

  .diff-text {
    font-size: 0.92rem;
    color: var(--text-light);
    line-height: 1.7;
  }

  /* ── HOME CTA ── */
  .home-cta {
    background: var(--navy-dark);
    padding: 80px 5%;
    text-align: center;
  }

  .home-cta h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 800;
    color: var(--white);
    margin-bottom: 16px;
  }

  .home-cta p {
    color: var(--silver-light);
    font-size: 1rem;
    margin-bottom: 36px;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.7;
  }

  /* ── SERVICES PAGE ── */
  .services-hero {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
    padding: 130px 5% 70px;
    text-align: center;
  }

  .services-hero h1 {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    color: var(--white);
    margin-bottom: 16px;
  }

  .services-hero p {
    color: var(--silver-light);
    font-size: 1.05rem;
    max-width: 580px;
    margin: 0 auto;
    line-height: 1.7;
  }

  .services-body {
    padding: 70px 5%;
    max-width: 1200px;
    margin: 0 auto;
  }

  .pillar-section {
    margin-bottom: 70px;
  }

  .pillar-header {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 32px;
    padding-bottom: 20px;
    border-bottom: 2px solid var(--silver-bright);
  }

  .pillar-icon-lg {
    width: 52px;
    height: 52px;
    background: var(--navy-dark);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    flex-shrink: 0;
  }

  .pillar-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--navy-dark);
  }

  .services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
    gap: 20px;
  }

  .service-card {
    background: var(--white);
    border: 1px solid var(--silver-bright);
    border-radius: 8px;
    padding: 28px;
    transition: border-color 0.3s ease, transform 0.3s ease, box-shadow 0.3s ease;
  }

  .service-card:hover {
    border-color: var(--accent);
    transform: translateY(-3px);
    box-shadow: 0 8px 24px rgba(74,111,165,0.1);
  }

  .service-name {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 1rem;
    color: var(--navy-dark);
    margin-bottom: 10px;
    display: flex;
    align-items: center;
    gap: 8px;
  }

  .service-name::before {
    content: '';
    width: 3px;
    height: 16px;
    background: var(--accent);
    border-radius: 2px;
    flex-shrink: 0;
  }

  .service-desc {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.75;
  }

  .services-cta-bar {
    background: var(--silver-bright);
    padding: 60px 5%;
    text-align: center;
  }

  .services-cta-bar h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.6rem;
    font-weight: 800;
    color: var(--navy-dark);
    margin-bottom: 12px;
  }

  .services-cta-bar p {
    color: var(--text-light);
    margin-bottom: 28px;
    font-size: 0.95rem;
  }

  /* ── CONTACT PAGE ── */
  .contact-hero {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
    padding: 130px 5% 70px;
    text-align: center;
  }

  .contact-hero h1 {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    color: var(--white);
    margin-bottom: 16px;
  }

  .contact-hero p {
    color: var(--silver-light);
    font-size: 1.05rem;
    max-width: 520px;
    margin: 0 auto;
    line-height: 1.7;
  }

  .contact-body {
    padding: 70px 5%;
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1.6fr;
    gap: 60px;
    align-items: start;
  }

  .contact-info h3 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 1.2rem;
    color: var(--navy-dark);
    margin-bottom: 24px;
  }

  .contact-detail {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 24px;
  }

  .contact-icon {
    width: 44px;
    height: 44px;
    background: var(--navy-dark);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0;
  }

  .contact-detail-text {
    padding-top: 4px;
  }

  .contact-detail-label {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--text-light);
    margin-bottom: 4px;
  }

  .contact-detail-val {
    font-weight: 600;
    color: var(--navy-dark);
    font-size: 0.95rem;
  }

  .contact-detail-val a {
    color: var(--navy-dark);
    text-decoration: none;
    transition: color 0.2s;
  }

  .contact-detail-val a:hover { color: var(--accent); }

  .next-steps {
    margin-top: 40px;
    padding: 28px;
    background: var(--silver-bright);
    border-radius: 8px;
    border-left: 4px solid var(--accent);
  }

  .next-steps h4 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--navy-dark);
    margin-bottom: 14px;
    text-transform: uppercase;
    letter-spacing: 0.08em;
  }

  .next-steps ol {
    padding-left: 18px;
  }

  .next-steps li {
    font-size: 0.88rem;
    color: var(--text-light);
    line-height: 1.7;
    margin-bottom: 6px;
  }

  /* ── FORM ── */
  .contact-form {
    background: var(--white);
    border: 1px solid var(--silver-bright);
    border-radius: 12px;
    padding: 44px;
    box-shadow: 0 4px 24px rgba(15,26,48,0.06);
  }

  .contact-form h3 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 1.25rem;
    color: var(--navy-dark);
    margin-bottom: 32px;
  }

  .form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }

  .form-group {
    margin-bottom: 20px;
  }

  .form-group label {
    display: block;
    font-family: 'Montserrat', sans-serif;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--text-body);
    margin-bottom: 8px;
  }

  .form-group input,
  .form-group select,
  .form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--silver-light);
    border-radius: 6px;
    font-family: 'Open Sans', sans-serif;
    font-size: 0.92rem;
    color: var(--text-body);
    background: var(--white);
    transition: border-color 0.3s ease, box-shadow 0.3s ease;
    outline: none;
    -webkit-appearance: none;
    appearance: none;
  }

  .form-group select {
    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='%236a7a94' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 40px;
  }

  .form-group input:focus,
  .form-group select:focus,
  .form-group textarea:focus {
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(74,111,165,0.12);
  }

  .form-group textarea {
    resize: vertical;
    min-height: 120px;
  }

  .form-submit {
    width: 100%;
    padding: 16px;
    background: var(--navy-dark);
    color: var(--white);
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 0.9rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    border: none;
    border-radius: 6px;
    cursor: pointer;
    transition: background 0.3s ease, transform 0.2s ease, box-shadow 0.3s ease;
    margin-top: 8px;
  }

  .form-submit:hover {
    background: var(--accent);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(74,111,165,0.35);
  }

  .form-success {
    display: none;
    text-align: center;
    padding: 40px 20px;
  }

  .form-success-icon {
    font-size: 3rem;
    margin-bottom: 16px;
  }

  .form-success h3 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    color: var(--navy-dark);
    margin-bottom: 10px;
  }

  .form-success p {
    color: var(--text-light);
    font-size: 0.95rem;
    line-height: 1.6;
  }

  /* ── FOOTER ── */
  footer {
    background: var(--navy-dark);
    padding: 40px 5%;
    text-align: center;
    border-top: 1px solid rgba(138,154,181,0.15);
  }

  .footer-logo {
    height: 64px;
    margin-bottom: 16px;
    filter: drop-shadow(0 0 8px rgba(255,255,255,0.15));
  }

  .footer-tagline {
    font-family: 'Montserrat', sans-serif;
    font-size: 0.78rem;
    letter-spacing: 0.12em;
    color: var(--silver);
    text-transform: uppercase;
    margin-bottom: 20px;
  }

  .footer-links {
    display: flex;
    justify-content: center;
    gap: 32px;
    margin-bottom: 20px;
    flex-wrap: wrap;
  }

  .footer-links a {
    color: var(--silver);
    text-decoration: none;
    font-size: 0.82rem;
    transition: color 0.2s;
  }

  .footer-links a:hover { color: var(--white); }

  .footer-copy {
    font-size: 0.78rem;
    color: rgba(138,154,181,0.5);
  }

  /* ── LEGAL PAGES ── */
  .legal-hero {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
    padding: 130px 5% 60px;
    text-align: center;
  }

  .legal-hero h1 {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    color: var(--white);
    margin-bottom: 10px;
  }

  .legal-hero .legal-updated {
    color: var(--silver-light);
    font-size: 0.9rem;
  }

  .legal-body {
    padding: 70px 5% 90px;
    max-width: 760px;
    margin: 0 auto;
  }

  .legal-body h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.3rem;
    font-weight: 800;
    color: var(--navy-dark);
    margin: 40px 0 14px;
  }

  .legal-body h2:first-child { margin-top: 0; }

  .legal-body p {
    font-size: 1rem;
    line-height: 1.8;
    color: var(--text-body);
    margin-bottom: 16px;
  }

  .legal-body a { color: var(--accent); }
  .legal-body a:hover { color: var(--accent-light); }

  /* ── SCROLL ANIMATIONS ── */
  .reveal {
    opacity: 0;
    transform: translateY(28px);
    transition: opacity 0.7s ease, transform 0.7s ease;
  }

  .reveal.pop {
    opacity: 0;
    transform: scale(0.95);
    transition: opacity 0.5s ease, transform 0.5s ease;
  }

  .reveal.visible {
    opacity: 1;
    transform: translateY(0) scale(1);
  }

  .reveal-delay-1 { transition-delay: 0.1s; }
  .reveal-delay-2 { transition-delay: 0.2s; }
  .reveal-delay-3 { transition-delay: 0.3s; }
  .reveal-delay-4 { transition-delay: 0.4s; }

  /* ── PARALLAX ── */
  .parallax-hero {
    will-change: transform;
  }

  /* ── RESPONSIVE ── */
  @media (max-width: 900px) {
    .about-inner { grid-template-columns: 1fr; gap: 40px; }
    .diff-grid { grid-template-columns: repeat(2, 1fr); }
    .contact-body { grid-template-columns: 1fr; gap: 40px; }
    .form-row { grid-template-columns: 1fr; }
  }

  @media (max-width: 640px) {
    .nav-links { display: none; }
    .nav-links.open {
      display: flex;
      flex-direction: column;
      position: fixed;
      top: 70px; left: 0; right: 0;
      background: var(--navy-dark);
      padding: 24px;
      gap: 20px;
      border-bottom: 1px solid rgba(138,154,181,0.2);
    }
    .hamburger { display: flex; }
    .diff-grid { grid-template-columns: 1fr; }
    .about-pillars { grid-template-columns: 1fr; }
    .contact-form { padding: 28px 20px; }
    .services-grid { grid-template-columns: 1fr; }
  }

  @media (prefers-reduced-motion: reduce) {
    .reveal, .hero-content { transition: none; animation: none; opacity: 1; transform: none; }
  }

  /* ══════════════ MULTI-PAGE ADDITIONS (Rev 2 SEO restructure) ══════════════ */

  html { scroll-padding-top: 88px; }

  /* ── NAV DROPDOWNS ── */
  .nav-links li.has-dropdown { position: relative; }

  .nav-links li.has-dropdown > a .caret {
    display: inline-block;
    margin-left: 5px;
    font-size: 0.7em;
    transition: transform 0.25s ease;
  }
  .nav-links li.has-dropdown:hover > a .caret,
  .nav-links li.has-dropdown:focus-within > a .caret { transform: rotate(180deg); }

  .dropdown {
    position: absolute;
    top: 100%; left: 50%;
    transform: translateX(-50%) translateY(10px);
    background: rgba(15, 26, 48, 0.99);
    border: 1px solid rgba(138,154,181,0.22);
    border-radius: 8px;
    padding: 10px 0;
    min-width: 250px;
    list-style: none;
    opacity: 0; visibility: hidden;
    transition: opacity 0.25s ease, transform 0.25s ease;
    box-shadow: 0 16px 36px rgba(0,0,0,0.4);
    z-index: 1100;
  }
  .dropdown::before {
    content: '';
    position: absolute;
    top: -12px; left: 0; right: 0; height: 12px;
  }
  .has-dropdown:hover .dropdown,
  .has-dropdown:focus-within .dropdown {
    opacity: 1; visibility: visible;
    transform: translateX(-50%) translateY(0);
  }
  .dropdown li { display: block; }
  .dropdown a {
    display: block;
    padding: 9px 22px;
    text-transform: none;
    letter-spacing: 0.02em;
    font-size: 0.82rem;
    white-space: nowrap;
    color: var(--silver-light);
  }
  .dropdown a::after { display: none !important; }
  .dropdown a:hover { color: var(--white); background: rgba(74,111,165,0.18); }

  /* ── BREADCRUMB ── */
  .breadcrumb { max-width: 1240px; margin: 0 auto; padding: 20px 5% 0; }
  .breadcrumb ol {
    list-style: none;
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 8px;
    font-size: 0.82rem;
  }
  .breadcrumb a { color: var(--accent); text-decoration: none; }
  .breadcrumb a:hover { text-decoration: underline; }
  .breadcrumb li { display: flex; align-items: center; gap: 8px; color: var(--text-light); }
  .breadcrumb li::after { content: '›'; color: var(--text-light); }
  .breadcrumb li:last-child::after { content: ''; }
  .breadcrumb li[aria-current] { color: var(--text-light); }

  /* ── PAGE LEAD / INTRO ── */
  .page-lead { max-width: 860px; margin: 30px auto 10px; padding: 0 5%; text-align: center; }
  .page-lead p { color: var(--text-body); font-size: 1.06rem; line-height: 1.85; margin-bottom: 16px; }

  /* ── HUB PAGES ── */
  .hub-section { max-width: 1240px; margin: 0 auto; padding: 20px 5% 70px; }
  .hub-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; }
  .hub-card {
    display: block;
    text-decoration: none;
    background: #fff;
    border: 1px solid rgba(138,154,181,0.25);
    border-radius: 12px;
    padding: 34px;
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
  }
  .hub-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 36px rgba(26,42,74,0.13);
    border-color: var(--accent);
  }
  .hub-card-icon { font-size: 2rem; margin-bottom: 14px; }
  .hub-card h2, .hub-card h3 {
    font-family: 'Montserrat', sans-serif;
    color: var(--navy);
    font-size: 1.25rem;
    margin-bottom: 10px;
  }
  .hub-card p { color: var(--text-light); font-size: 0.95rem; line-height: 1.7; }
  .hub-card .hub-card-link {
    display: inline-block;
    margin-top: 16px;
    color: var(--accent);
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 0.82rem;
    letter-spacing: 0.04em;
  }

  /* ── RELATED / SIDEWAYS LINKS ── */
  .related-links { max-width: 1240px; margin: 0 auto; padding: 0 5% 70px; }
  .related-links h2 {
    font-family: 'Montserrat', sans-serif;
    color: var(--navy);
    font-size: 1.3rem;
    margin-bottom: 20px;
  }
  .related-grid { display: flex; flex-wrap: wrap; gap: 14px; }
  .related-grid a {
    display: inline-block;
    padding: 12px 22px;
    border: 1px solid rgba(138,154,181,0.35);
    border-radius: 6px;
    color: var(--accent);
    text-decoration: none;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 0.86rem;
    transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease;
  }
  .related-grid a:hover { background: var(--accent); color: #fff; border-color: var(--accent); }

  /* ── SCHEME SECTIONS (pre-qualification) ── */
  .scheme-section {
    max-width: 1000px;
    margin: 0 auto;
    padding: 46px 5%;
    border-top: 1px solid rgba(138,154,181,0.2);
    scroll-margin-top: 90px;
  }
  .scheme-section > h2 {
    font-family: 'Montserrat', sans-serif;
    color: var(--navy);
    font-size: 1.7rem;
    margin-bottom: 18px;
  }
  .scheme-desc { color: var(--text-body); font-size: 1.02rem; line-height: 1.8; margin-bottom: 26px; }

  /* ── FAQ SECTIONS ── */
  .faq-section { max-width: 900px; margin: 0 auto; padding: 10px 5% 20px; }
  .faq-section > h2 {
    font-family: 'Montserrat', sans-serif;
    color: var(--navy);
    font-size: 1.5rem;
    margin-bottom: 24px;
  }
  .faq-section.faq-scheme > h3 {
    font-family: 'Montserrat', sans-serif;
    color: var(--navy);
    font-size: 1.15rem;
    margin-bottom: 18px;
  }
  .faq-item {
    border: 1px solid rgba(138,154,181,0.25);
    border-radius: 8px;
    margin-bottom: 14px;
    background: #fff;
  }
  .faq-item summary {
    cursor: pointer;
    padding: 18px 22px;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    color: var(--navy);
    font-size: 1rem;
    list-style: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
  }
  .faq-item summary::-webkit-details-marker { display: none; }
  .faq-item summary::after {
    content: '+';
    font-size: 1.5rem;
    line-height: 1;
    color: var(--accent);
    transition: transform 0.25s ease;
    flex-shrink: 0;
  }
  .faq-item[open] summary::after { transform: rotate(45deg); }
  .faq-answer { padding: 0 22px 20px; color: var(--text-body); line-height: 1.75; font-size: 0.95rem; }
  .faq-answer p { margin-bottom: 10px; }
  .faq-answer p:last-child { margin-bottom: 0; }

  /* ── 404 ── */
  .notfound { text-align: center; padding: 150px 5% 90px; }
  .notfound h1 { font-family: 'Montserrat', sans-serif; color: var(--navy); font-size: clamp(3rem, 8vw, 5rem); margin-bottom: 10px; }
  .notfound p { color: var(--text-light); font-size: 1.1rem; margin-bottom: 30px; }

  /* ── SECTION INTRO HELPER ── */
  .section-intro { max-width: 900px; margin: 0 auto 10px; padding: 0 5%; }
  .section-intro h2 { font-family:'Montserrat',sans-serif; color:var(--navy); font-size:1.5rem; margin-bottom:14px; }
  .section-intro p { color: var(--text-body); line-height:1.8; margin-bottom:14px; }

  /* ── RESPONSIVE (multi-page additions) ── */
  @media (max-width: 900px) {
    .hub-grid { grid-template-columns: 1fr; }
  }

  @media (max-width: 640px) {
    .nav-links.open {
      max-height: calc(100vh - 70px);
      overflow-y: auto;
    }
    .nav-links.open .dropdown {
      position: static;
      transform: none;
      opacity: 1;
      visibility: visible;
      box-shadow: none;
      border: none;
      background: transparent;
      padding: 4px 0 8px 16px;
      min-width: 0;
    }
    .nav-links.open .dropdown::before { display: none; }
    .nav-links li.has-dropdown > a .caret { display: none; }
    .scheme-section { padding: 34px 5%; }
  }

  /* ── HOME LINKED CARDS / INLINE LINKS ── */
  a.pillar-card { text-decoration: none; color: inherit; display: block; }
  .diff-text a, .about-text a { color: var(--accent); text-decoration: underline; }
  .diff-text a:hover, .about-text a:hover { color: var(--accent-light); }

  /* ── PRICING PROCESS FLOW ── */
  .process-flow {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
    padding: 80px 5%;
    text-align: center;
    border-top: 1px solid rgba(138,154,181,0.18);
  }
  .process-inner { max-width: 1000px; margin: 0 auto; }
  .process-title {
    display: flex;
    flex-wrap: wrap;
    align-items: stretch;
    justify-content: center;
    gap: 16px;
    margin: 0 auto;
  }
  .process-step {
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    flex: 1 1 220px;
    max-width: 280px;
    min-height: 90px;
    padding: 22px 20px;
    background: rgba(138,154,181,0.08);
    border: 1px solid rgba(138,154,181,0.28);
    border-radius: 10px;
    color: var(--white);
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 1.05rem;
    letter-spacing: 0.02em;
    transition: border-color 0.3s ease, background 0.3s ease;
  }
  .process-step:hover {
    border-color: var(--accent);
    background: rgba(74,111,165,0.14);
  }
  .process-arrow {
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--silver);
    font-size: 1.6rem;
    line-height: 1;
    flex: 0 0 auto;
  }
  .process-sub {
    max-width: 640px;
    margin: 30px auto 0;
    color: var(--silver-light);
    font-family: 'Open Sans', sans-serif;
    font-size: 1rem;
    line-height: 1.7;
  }

  @media (max-width: 760px) {
    .process-flow { padding: 50px 5%; }
    .process-title { flex-direction: column; align-items: stretch; gap: 10px; }
    .process-step {
      flex: 0 0 auto;
      width: 100%;
      max-width: none;
      min-height: 0;
      padding: 16px 18px;
      font-size: 1rem;
    }
    .process-arrow { transform: rotate(90deg); font-size: 1.3rem; }
  }