/* ============================================================
   CỔNG THẨM ĐỊNH GIÁ (CONGTHAMDINHGIA.COM)
   Swiss Private Banking & Sovereign Institutional Design System
   Palette: Obsidian Navy · Burnished Champagne Gold · Archival Ivory
   ============================================================ */
:root {
    --navy-950: #050F1C;
    --navy-900: #08182B;
    --navy: #0C233E;
    --navy-700: #163A63;
    --navy-100: #E8EFF7;
    --gold: #C8A45D;
    --gold-light: #E6CE9A;
    --gold-600: #9E7B36;
    --gold-100: #F6EFE0;
    --burgundy: #7A1F2B;
    --paper: #FAF8F2;
    --paper-2: #F2EDE2;
    --white: #FFFFFF;
    --ink: #141D29;
    --ink-2: #2C3746;
    --muted: #5A6575;
    --line: #E2DDD0;
    --line-2: #D2C9B6;
    --success: #1D6B48;
    --danger: #A12A2A;
    --font-display: "Cormorant Garamond", "Noto Serif", Georgia, serif;
    --font-serif: "Noto Serif", Georgia, "Times New Roman", serif;
    --font-sans: "Be Vietnam Pro", -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
    --radius: 6px;
    --radius-lg: 12px;
    --shadow-sm: 0 2px 8px rgba(5, 15, 28, 0.05);
    --shadow: 0 12px 34px rgba(5, 15, 28, 0.10);
    --shadow-luxury: 0 22px 58px rgba(5, 15, 28, 0.24);
    --container: 1240px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
    margin: 0;
    font-family: var(--font-sans);
    font-size: 16px;
    line-height: 1.72;
    color: var(--ink);
    background: var(--paper);
    -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-700); text-decoration-thickness: 1px; text-underline-offset: 3px; transition: color .18s ease; }
a:hover { color: var(--gold-600); }
h1, h2, h3, h4 { font-family: var(--font-serif); color: var(--navy-900); line-height: 1.28; font-weight: 700; }
p { margin: 0 0 1rem; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 1.35rem; }
.page-narrow { max-width: 880px; padding-top: 2.5rem; padding-bottom: 3rem; }
.skip-link { position: absolute; left: -9999px; top: 0; background: var(--navy); color: #fff; padding: .5rem 1rem; z-index: 1000; }
.skip-link:focus { left: 1rem; }

/* ---------- Typography helpers ---------- */
.eyebrow {
    font-family: var(--font-sans);
    font-size: .74rem;
    font-weight: 700;
    letter-spacing: .16em;
    text-transform: uppercase;
    color: var(--gold-600);
    margin: 0 0 .65rem;
}
.eyebrow::before { content: ""; display: inline-block; width: 24px; height: 1px; background: currentColor; vertical-align: middle; margin-right: .6rem; }
.eyebrow-light { color: var(--gold-light); }
.text-link { font-weight: 600; text-decoration: none; border-bottom: 1px solid var(--gold); padding-bottom: 2px; color: var(--navy); }
.text-link:hover { color: var(--gold-600); }

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
    font-family: var(--font-sans); font-weight: 600; font-size: .94rem;
    padding: .78rem 1.45rem; border-radius: var(--radius); border: 1px solid transparent;
    text-decoration: none; cursor: pointer; transition: all .22s ease;
    line-height: 1.2; letter-spacing: .01em;
}
.btn:active { transform: translateY(1px); }
.btn-lg { padding: .98rem 1.8rem; font-size: 1rem; }
.btn-block { display: flex; width: 100%; }
.btn-primary { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-primary:hover { background: var(--navy-700); color: #fff; }
.btn-gold {
    background: linear-gradient(135deg, #D8B772 0%, #B89146 100%);
    color: var(--navy-950);
    border-color: #D8B772;
    box-shadow: 0 6px 20px rgba(200, 164, 93, 0.28);
}
.btn-gold:hover {
    background: linear-gradient(135deg, #E4C785 0%, #C8A45D 100%);
    color: var(--navy-950);
    transform: translateY(-1px);
    box-shadow: 0 10px 26px rgba(200, 164, 93, 0.38);
}
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-ghost-light { background: rgba(255,255,255,.04); color: #fff; border-color: rgba(230, 206, 154, .45); }
.btn-ghost-light:hover { background: rgba(230, 206, 154, .12); color: #fff; border-color: var(--gold-light); }
.btn[disabled] { opacity: .6; cursor: progress; }

/* ---------- Utility bar & Executive Header ---------- */
.utility-bar {
    background: var(--navy-950);
    color: #C8D3E0;
    font-size: .79rem;
    border-bottom: 1px solid rgba(200, 164, 93, 0.22);
}
.utility-inner { display: flex; justify-content: space-between; align-items: center; gap: 1rem; min-height: 40px; }
.utility-note { margin: 0; display: flex; align-items: center; gap: .6rem; flex-wrap: wrap; }
.utility-badge {
    display: inline-block;
    background: rgba(200, 164, 93, 0.16);
    border: 1px solid rgba(200, 164, 93, 0.45);
    color: var(--gold-light);
    font-size: .68rem;
    font-weight: 700;
    letter-spacing: .12em;
    padding: .15rem .55rem;
    border-radius: 3px;
}
.utility-note a { color: var(--gold-light); text-decoration: none; }
.utility-note a:hover { color: #fff; }
.utility-contact { display: flex; gap: 1.15rem; align-items: center; white-space: nowrap; }
.utility-langs {
    font-size: .7rem;
    font-weight: 700;
    letter-spacing: .12em;
    color: var(--gold-light);
    padding: .12rem .5rem;
    border: 1px solid rgba(200, 164, 93, 0.3);
    border-radius: 3px;
}
.utility-phone { color: var(--gold-light); font-weight: 700; text-decoration: none; }

.site-header {
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--line);
    position: sticky;
    top: 0;
    z-index: 80;
    box-shadow: 0 4px 20px rgba(5, 15, 28, 0.05);
}
.site-header::after {
    content: "";
    display: block;
    height: 3px;
    background: linear-gradient(90deg, var(--navy-950) 0%, var(--navy) 55%, var(--gold) 82%, var(--gold-light) 100%);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1.25rem; min-height: 80px; position: relative; }
.brand { display: flex; align-items: center; gap: .85rem; text-decoration: none; color: inherit; }
.brand-seal { flex-shrink: 0; filter: drop-shadow(0 3px 8px rgba(5, 15, 28, 0.14)); }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name {
    font-family: var(--font-serif);
    font-weight: 700;
    font-size: 1.28rem;
    color: var(--navy-950);
    letter-spacing: .01em;
}
.brand-tagline {
    font-size: .72rem;
    color: var(--gold-600);
    font-weight: 600;
    letter-spacing: .03em;
    margin-top: 3px;
    white-space: nowrap;
}

.main-nav > ul { list-style: none; display: flex; align-items: center; gap: .15rem; margin: 0; padding: 0; }
.main-nav > ul > li { position: static; }
.main-nav > ul > li > a {
    display: inline-flex;
    align-items: center;
    gap: .3rem;
    padding: .6rem .75rem;
    font-size: .91rem;
    font-weight: 600;
    color: var(--ink-2);
    text-decoration: none;
    border-bottom: 2px solid transparent;
    white-space: nowrap;
}
.nav-caret { font-size: .72rem; color: var(--gold-600); transition: transform .2s ease; }
.main-nav > ul > li > a:hover { color: var(--navy-950); }
.main-nav > ul > li > a.is-active { color: var(--navy-950); border-bottom-color: var(--gold); }
.btn-header { white-space: nowrap; padding: .68rem 1.2rem; font-size: .88rem; }

/* ---------- 8-Silo Mega Menu ---------- */
.has-mega:hover .nav-caret, .has-mega:focus-within .nav-caret { transform: rotate(180deg); }
.mega-panel {
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    padding-top: .5rem;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: opacity .22s ease, transform .22s ease, visibility .22s;
    pointer-events: none;
    z-index: 120;
}
.has-mega:hover .mega-panel,
.has-mega:focus-within .mega-panel {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
    pointer-events: auto;
}
.mega-inner {
    background: var(--navy-950);
    color: #DCE5F0;
    border: 1px solid rgba(200, 164, 93, 0.45);
    border-top: 3px solid var(--gold);
    border-radius: var(--radius-lg);
    padding: 1.5rem 1.65rem;
    box-shadow: var(--shadow-luxury);
}
.mega-head {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    gap: 1rem;
    padding-bottom: 1rem;
    margin-bottom: 1.15rem;
    border-bottom: 1px solid rgba(200, 164, 93, 0.2);
}
.mega-eyebrow {
    font-size: .68rem;
    font-weight: 700;
    letter-spacing: .15em;
    text-transform: uppercase;
    color: var(--gold-light);
    margin: 0 0 .2rem;
}
.mega-title {
    font-family: var(--font-serif);
    font-size: 1.12rem;
    font-weight: 700;
    color: #fff;
    margin: 0;
}
.mega-all-link {
    font-size: .84rem;
    font-weight: 600;
    color: var(--gold-light) !important;
    text-decoration: none;
    white-space: nowrap;
}
.mega-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1rem;
}
.mega-silo {
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(200, 164, 93, 0.16);
    border-radius: var(--radius);
    padding: .85rem .95rem;
    transition: border-color .18s ease, background .18s ease;
}
.mega-silo:hover {
    border-color: var(--gold);
    background: rgba(200, 164, 93, 0.06);
}
.mega-silo-title {
    display: flex;
    align-items: center;
    gap: .45rem;
    font-family: var(--font-serif);
    font-size: .92rem;
    font-weight: 700;
    color: #fff !important;
    text-decoration: none;
    margin-bottom: .2rem;
}
.mega-roman {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 24px;
    height: 20px;
    padding: 0 .35rem;
    font-size: .68rem;
    background: rgba(200, 164, 93, 0.22);
    color: var(--gold-light);
    border: 1px solid rgba(200, 164, 93, 0.45);
    border-radius: 3px;
}
.mega-silo-ref {
    font-size: .68rem;
    color: #96A7BC;
    margin: 0 0 .5rem;
}
.mega-sublist {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    gap: .28rem;
}
.mega-sublist a {
    display: block;
    font-size: .78rem;
    color: #C9D5E3 !important;
    text-decoration: none;
    line-height: 1.35;
}
.mega-sublist a:hover {
    color: var(--gold-light) !important;
}

.nav-mobile-extra { display: none; }
.header-actions { display: flex; align-items: center; gap: .75rem; }
.nav-toggle { display: none; background: none; border: 1px solid var(--line-2); border-radius: var(--radius); width: 44px; height: 40px; padding: 9px 10px; cursor: pointer; }
.nav-toggle span { display: block; height: 2px; background: var(--navy); margin: 4px 0; transition: transform .2s, opacity .2s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

/* ---------- Sovereign Hero Chamber ---------- */
.hero {
    background:
        radial-gradient(circle at 18% 20%, rgba(200, 164, 93, 0.14) 0%, transparent 45%),
        radial-gradient(circle at 85% 80%, rgba(22, 58, 99, 0.55) 0%, transparent 50%),
        linear-gradient(125deg, #040C17 0%, #091B30 52%, #0F2B4B 100%);
    color: #DCE5F0;
    padding: 4.75rem 0 5.25rem;
    border-bottom: 3px solid var(--gold);
    position: relative;
}
.hero-grid { display: grid; grid-template-columns: 1.28fr .88fr; gap: 3.5rem; align-items: center; }
.hero-kicker-row { display: flex; flex-wrap: wrap; gap: .6rem; align-items: center; margin-bottom: 1.15rem; }
.hero-seal-pill {
    display: inline-flex;
    align-items: center;
    background: rgba(200, 164, 93, 0.15);
    border: 1px solid rgba(200, 164, 93, 0.5);
    color: var(--gold-light);
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .14em;
    padding: .3rem .75rem;
    border-radius: 999px;
}
.hero-law-pill {
    display: inline-flex;
    align-items: center;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.16);
    color: #C9D5E3;
    font-size: .72rem;
    font-weight: 600;
    padding: .3rem .75rem;
    border-radius: 999px;
}
.hero-title {
    font-family: var(--font-serif);
    font-size: clamp(2.15rem, 4.1vw, 3.35rem);
    color: #fff;
    margin: 0 0 1.25rem;
    letter-spacing: -.01em;
    line-height: 1.18;
}
.hero-title span {
    display: block;
    font-family: var(--font-display);
    font-size: clamp(1.75rem, 3.3vw, 2.75rem);
    color: var(--gold-light);
    font-style: italic;
    font-weight: 600;
    margin-top: .3rem;
}
.hero-lead { font-size: 1.06rem; max-width: 660px; color: #C9D6E4; line-height: 1.75; }
.hero-lead strong { color: #fff; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .9rem; margin: 1.85rem 0 2rem; }

.hero-pillars-mini {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: .85rem;
    border-top: 1px solid rgba(200, 164, 93, 0.25);
    padding-top: 1.35rem;
}
.hero-mini-item {
    background: rgba(255, 255, 255, 0.03);
    border-left: 2px solid var(--gold);
    padding: .55rem .75rem;
    border-radius: 0 var(--radius) var(--radius) 0;
}
.hero-mini-item strong {
    display: block;
    font-size: .84rem;
    color: var(--gold-light);
    margin-bottom: .15rem;
}
.hero-mini-item span {
    display: block;
    font-size: .76rem;
    color: #B6C5D6;
    line-height: 1.4;
}

.hero-form-card {
    background: var(--white);
    color: var(--ink);
    border-radius: var(--radius-lg);
    padding: 1.9rem;
    box-shadow: var(--shadow-luxury);
    border: 1px solid rgba(200, 164, 93, 0.45);
    border-top: 5px solid var(--gold);
}
.form-card-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: .5rem;
    margin-bottom: .35rem;
}
.form-card-eyebrow { font-size: .72rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-600); margin: 0; }
.form-card-sla {
    font-size: .7rem;
    font-weight: 700;
    color: var(--success);
    background: #E8F5EE;
    padding: .18rem .55rem;
    border-radius: 999px;
}
.form-card-title { font-size: 1.28rem; margin: 0 0 1.15rem; color: var(--navy-950); }
.form-card-confidential {
    font-size: .76rem;
    color: var(--muted);
    margin: .85rem 0 0;
    padding-top: .75rem;
    border-top: 1px dashed var(--line);
    text-align: center;
}

/* ---------- Stats & State Honors Band ---------- */
.stats-band {
    background: var(--white);
    border-bottom: 1px solid var(--line);
    padding: 2.35rem 0 1.65rem;
}
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { text-align: center; padding: .6rem 1rem; border-right: 1px solid var(--line); }
.stat:last-child { border-right: 0; }
.stat-value {
    display: block;
    font-family: var(--font-serif);
    font-size: 2.4rem;
    font-weight: 700;
    color: var(--navy-950);
    line-height: 1.08;
}
.stat-label { display: block; font-size: .85rem; color: var(--muted); margin-top: .35rem; font-weight: 500; }
.honors-ribbon {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: .55rem;
    margin-top: 1.5rem;
    padding-top: 1.2rem;
    border-top: 1px solid var(--line);
}
.honors-label {
    font-size: .76rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .1em;
    color: var(--navy);
}
.honor-chip {
    font-size: .78rem;
    font-weight: 600;
    color: var(--navy-900);
    background: var(--gold-100);
    border: 1px solid rgba(200, 164, 93, 0.45);
    padding: .25rem .7rem;
    border-radius: 999px;
}
.stats-source { text-align: center; font-size: .75rem; color: var(--muted); margin: .85rem 0 0; font-style: italic; }

/* ---------- Sections ---------- */
.section { padding: 4.75rem 0; }
.section-alt { background: var(--white); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-paper { background: var(--paper-2); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-obsidian {
    background:
        radial-gradient(circle at 90% 10%, rgba(200, 164, 93, 0.12) 0%, transparent 40%),
        linear-gradient(180deg, #061322 0%, #0A1E36 100%);
    color: #DCE5F0;
    border-top: 3px solid var(--gold);
    border-bottom: 3px solid var(--gold);
}
.section-header { max-width: 820px; margin-bottom: 2.75rem; }
.section-title { font-size: clamp(1.65rem, 2.7vw, 2.25rem); margin: 0 0 .8rem; }
.section-title-light { color: #fff; }
.section-desc { color: var(--muted); font-size: 1.03rem; }
.section-desc-light { color: #B9C7D8; }
.two-col { display: grid; grid-template-columns: 1fr 1.2fr; gap: 3.25rem; align-items: start; }
.two-col-wide { grid-template-columns: 1.15fr 1fr; }

/* ---------- Core Service Cards ---------- */
.service-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.35rem; }
.service-card {
    position: relative;
    display: flex;
    flex-direction: column;
    background: var(--white);
    border: 1px solid var(--line);
    border-top: 4px solid var(--navy);
    border-radius: var(--radius-lg);
    padding: 1.65rem 1.45rem 1.5rem;
    text-decoration: none;
    color: inherit;
    transition: all .22s ease;
    box-shadow: var(--shadow-sm);
}
.service-card:hover {
    border-color: var(--gold);
    border-top-color: var(--gold);
    box-shadow: var(--shadow);
    transform: translateY(-4px);
    color: inherit;
}
.service-card-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: .5rem;
    margin-bottom: 1rem;
}
.service-num {
    font-family: var(--font-sans);
    font-size: .72rem;
    font-weight: 700;
    color: var(--gold-600);
    letter-spacing: .12em;
}
.service-ref {
    font-size: .7rem;
    font-weight: 600;
    color: var(--navy-700);
    background: var(--navy-100);
    border-radius: 4px;
    padding: .2rem .5rem;
}
.service-title { font-size: 1.18rem; margin: 0 0 .65rem; color: var(--navy-950); }
.service-desc { font-size: .9rem; color: var(--muted); flex: 1; }
.service-more { font-size: .88rem; font-weight: 700; color: var(--navy); margin-top: .5rem; }

/* ---------- 8-Silo Pillar-Cluster Ecosystem Matrix ---------- */
.silo-matrix {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
}
.silo-card {
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(200, 164, 93, 0.28);
    border-top: 3px solid var(--gold);
    border-radius: var(--radius-lg);
    padding: 1.75rem;
    display: flex;
    flex-direction: column;
    transition: border-color .2s ease, background .2s ease;
}
.silo-card:hover {
    border-color: var(--gold-light);
    background: rgba(255, 255, 255, 0.06);
}
.silo-card-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: .75rem;
    flex-wrap: wrap;
    margin-bottom: .75rem;
}
.silo-roman {
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .14em;
    color: var(--navy-950);
    background: linear-gradient(135deg, #E6CE9A 0%, #C8A45D 100%);
    padding: .22rem .65rem;
    border-radius: 4px;
}
.silo-legal {
    font-size: .74rem;
    color: var(--gold-light);
    background: rgba(200, 164, 93, 0.14);
    border: 1px solid rgba(200, 164, 93, 0.3);
    padding: .2rem .6rem;
    border-radius: 4px;
}
.silo-title {
    font-size: 1.32rem;
    margin: 0 0 .35rem;
}
.silo-title a {
    color: #fff;
    text-decoration: none;
}
.silo-title a:hover {
    color: var(--gold-light);
}
.silo-scope {
    font-size: .78rem;
    font-weight: 600;
    color: var(--gold-light);
    margin: 0 0 .65rem;
}
.silo-summary {
    font-size: .9rem;
    color: #B9C8D9;
    margin: 0 0 1.15rem;
}
.silo-subpillars {
    list-style: none;
    margin: 0 0 1.25rem;
    padding: 0;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    flex: 1;
}
.silo-subpillars li {
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.silo-subpillars a {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: .75rem;
    padding: .62rem .2rem;
    font-size: .88rem;
    color: #E3EAF2;
    text-decoration: none;
}
.silo-subpillars a:hover {
    color: var(--gold-light);
    padding-left: .45rem;
}
.subpillar-arrow { color: var(--gold); font-weight: 700; }
.silo-card-footer {
    display: flex;
    justify-content: flex-end;
}
.silo-cta-link {
    font-size: .85rem;
    font-weight: 700;
    color: var(--gold-light) !important;
    text-decoration: none;
}

/* Light variant of Silo Matrix for /dich-vu/ list page */
.list-silo-hub { margin-top: 3.5rem; padding-top: 3rem; border-top: 1px solid var(--line); }
.silo-card-light {
    background: var(--white);
    border: 1px solid var(--line);
    border-top: 4px solid var(--navy);
    color: var(--ink);
}
.silo-card-light:hover { border-color: var(--gold); background: var(--white); }
.silo-card-light .silo-legal { color: var(--navy-700); background: var(--navy-100); border-color: transparent; }
.silo-card-light .silo-title a { color: var(--navy-950); }
.silo-card-light .silo-summary { color: var(--muted); }
.silo-card-light .silo-subpillars { border-top-color: var(--line); }
.silo-card-light .silo-subpillars li { border-bottom-color: var(--line); }
.silo-card-light .silo-subpillars a { color: var(--ink-2); }
.silo-card-light .silo-subpillars a:hover { color: var(--navy); }

/* ---------- Landmark National Projects ---------- */
.landmark-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.25rem;
}
.landmark-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-left: 4px solid var(--gold);
    border-radius: var(--radius-lg);
    padding: 1.45rem 1.5rem;
    box-shadow: var(--shadow-sm);
}
.landmark-meta {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: .5rem;
    margin-bottom: .55rem;
}
.landmark-category {
    font-size: .7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .1em;
    color: var(--gold-600);
}
.landmark-location {
    font-size: .75rem;
    font-weight: 600;
    color: var(--navy-700);
    background: var(--navy-100);
    padding: .15rem .55rem;
    border-radius: 999px;
}
.landmark-name {
    font-size: 1.2rem;
    color: var(--navy-950);
    margin: 0 0 .4rem;
}
.landmark-desc {
    font-size: .86rem;
    color: var(--muted);
    margin: 0;
}

/* ---------- 22 Partner Banks Wall ---------- */
.bank-wall-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    gap: 2rem;
    flex-wrap: wrap;
    margin-bottom: 2rem;
}
.luxury-bank-grid {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: .75rem;
}
.luxury-bank-item {
    display: flex;
    align-items: center;
    gap: .5rem;
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: .7rem .85rem;
    font-weight: 600;
    font-size: .88rem;
    color: var(--navy-900);
    transition: border-color .18s ease, transform .18s ease;
}
.luxury-bank-item:hover {
    border-color: var(--gold);
    background: var(--white);
    transform: translateY(-2px);
}
.bank-dot {
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: var(--gold);
    flex-shrink: 0;
}

/* ---------- Purpose list & highlight ---------- */
.purpose-highlight-box {
    background: var(--white);
    border: 1px solid var(--line);
    border-left: 4px solid var(--gold);
    border-radius: var(--radius);
    padding: 1rem 1.2rem;
    margin: 1.25rem 0 1.5rem;
}
.purpose-highlight-title {
    font-size: .78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .1em;
    color: var(--navy);
    margin: 0 0 .3rem;
}
.purpose-highlight-box p:last-child { margin: 0; font-size: .9rem; color: var(--ink-2); }

.purpose-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line); background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--line); overflow: hidden; }
.purpose-list li { border-bottom: 1px solid var(--line); }
.purpose-list li:last-child { border-bottom: 0; }
.purpose-list a { display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: 1.05rem 1.25rem; text-decoration: none; color: var(--ink); font-weight: 500; }
.purpose-list a:hover { color: var(--navy); background: var(--gold-100); }
.purpose-list em { font-style: normal; font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; color: var(--gold-600); font-weight: 700; white-space: nowrap; }

/* ---------- Process ---------- */
.process { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: 1.1rem; counter-reset: step; }
.process li { background: var(--white); border: 1px solid var(--line); border-top: 3px solid var(--gold); border-radius: var(--radius-lg); padding: 1.5rem 1.25rem; position: relative; box-shadow: var(--shadow-sm); }
.process-step { font-family: var(--font-serif); font-size: 1.9rem; font-weight: 700; color: var(--gold-600); line-height: 1; }
.process h3 { font-size: 1.06rem; margin: .7rem 0 .45rem; }
.process p { font-size: .88rem; color: var(--muted); margin: 0; }

/* ---------- Legal & partner panels ---------- */
.legal-table { width: 100%; border-collapse: collapse; background: var(--white); border: 1px solid var(--line); font-size: .9rem; }
.legal-table th, .legal-table td { text-align: left; vertical-align: top; padding: .85rem 1rem; border-bottom: 1px solid var(--line); }
.legal-table th { font-family: var(--font-serif); color: var(--navy-900); font-weight: 700; width: 42%; background: var(--paper); }
.legal-table td { color: var(--ink-2); }
.partner-panel { background: var(--paper); border: 1px solid var(--line); border-top: 4px solid var(--navy); border-radius: var(--radius-lg); padding: 1.85rem; }
.partner-panel .section-title { font-size: 1.38rem; }
.bank-caption { font-size: .85rem; font-weight: 600; color: var(--navy); margin: 1.25rem 0 .35rem; }
.bank-list { font-size: .88rem; color: var(--ink-2); line-height: 1.85; }

.check-list { list-style: none; padding: 0; margin: 0 0 1rem; display: grid; gap: .5rem; }
.check-list li { position: relative; padding-left: 1.5rem; font-size: .92rem; }
.check-list li::before { content: ""; position: absolute; left: 2px; top: .5em; width: 10px; height: 6px; border-left: 2px solid var(--gold-600); border-bottom: 2px solid var(--gold-600); transform: rotate(-45deg); }

/* ---------- Entry cards ---------- */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.35rem; }
.entry-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 1.6rem; display: flex; flex-direction: column; transition: border-color .2s, box-shadow .2s, transform .2s; }
.entry-card:hover { border-color: var(--gold); box-shadow: var(--shadow); transform: translateY(-3px); }
.entry-cat { font-size: .7rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-600); margin: 0 0 .5rem; }
.entry-title { font-size: 1.15rem; margin: 0 0 .6rem; }
.entry-title a { color: var(--navy-900); text-decoration: none; }
.entry-title a:hover { color: var(--navy-700); text-decoration: underline; }
.entry-desc { font-size: .9rem; color: var(--muted); flex: 1; }
.entry-meta { display: flex; justify-content: space-between; align-items: center; border-top: 1px solid var(--line); padding-top: .85rem; font-size: .8rem; color: var(--muted); }
.entry-more { font-weight: 700; text-decoration: none; color: var(--navy); }

/* ---------- Closing CTA ---------- */
.closing-cta {
    background: linear-gradient(125deg, #050F1C 0%, #0C233E 100%);
    color: #DCE5F0;
    padding: 3.75rem 0;
    border-top: 3px solid var(--gold);
}
.closing-inner { display: flex; justify-content: space-between; align-items: center; gap: 2rem; flex-wrap: wrap; }
.closing-cta h2 { color: #fff; margin: 0 0 .45rem; font-size: 1.85rem; }
.closing-cta p { margin: 0; color: #B9C8D9; }
.closing-actions { display: flex; gap: .9rem; flex-wrap: wrap; }

/* ---------- Inner page header ---------- */
.page-band {
    background: linear-gradient(180deg, #FFFFFF 0%, #F6F3EB 100%);
    border-bottom: 1px solid var(--line);
    padding: 1.65rem 0 2.4rem;
}
.breadcrumb ol { list-style: none; display: flex; flex-wrap: wrap; gap: .35rem; padding: 0; margin: 0 0 1.35rem; font-size: .82rem; color: var(--muted); }
.breadcrumb li + li::before { content: "/"; margin-right: .35rem; color: var(--line-2); }
.breadcrumb a { color: var(--muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); }
.article-header, .list-header { max-width: 880px; }
.article-kicker-row { display: flex; flex-wrap: wrap; align-items: center; gap: .75rem; margin-bottom: .55rem; }
.article-kicker-row .eyebrow { margin: 0; }
.pillar-badge {
    font-size: .7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .1em;
    background: var(--navy-950);
    color: var(--gold-light);
    padding: .2rem .65rem;
    border-radius: 999px;
}
.pillar-parent-pill {
    font-size: .75rem;
    font-weight: 600;
    background: var(--gold-100);
    color: var(--navy-900);
    border: 1px solid rgba(200, 164, 93, 0.45);
    padding: .18rem .65rem;
    border-radius: 999px;
    text-decoration: none;
}
.article-title { font-size: clamp(1.8rem, 3.2vw, 2.55rem); margin: 0 0 .9rem; letter-spacing: -.005em; }
.article-lead { font-size: 1.08rem; color: var(--ink-2); max-width: 800px; }
.article-meta { display: flex; flex-wrap: wrap; gap: .5rem; font-size: .83rem; color: var(--muted); }
.article-meta a { color: var(--navy-700); font-weight: 600; }
.article-meta .sep { color: var(--line-2); }

/* ---------- Article layout & Sidebar ---------- */
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 310px; gap: 3rem; padding-top: 2.5rem; padding-bottom: 4rem; }
.article-main { min-width: 0; }
.aside-sticky { position: sticky; top: 100px; display: grid; gap: 1.25rem; }
.aside-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 1.3rem; font-size: .9rem; box-shadow: var(--shadow-sm); }
.aside-title { font-family: var(--font-serif); font-weight: 700; color: var(--navy-900); font-size: 1.02rem; margin: 0 0 .75rem; padding-bottom: .5rem; border-bottom: 1px solid var(--line); }
.aside-muted { background: var(--paper-2); }
.toc-card ul { list-style: none; padding: 0; margin: 0; }
.toc-card ul ul { padding-left: .9rem; }
.toc-card a { display: block; padding: .3rem 0 .3rem .6rem; color: var(--ink-2); text-decoration: none; font-size: .84rem; line-height: 1.4; border-left: 2px solid transparent; }
.toc-card a:hover, .toc-card a.is-active { color: var(--navy); border-left-color: var(--gold); }
.quote-card { border-top: 4px solid var(--gold); }
.quote-card-text { color: var(--muted); }
.aside-phone { display: block; text-align: center; margin-top: .75rem; font-weight: 700; color: var(--navy); text-decoration: none; }
.aside-silo-list { list-style: none; margin: 0; padding: 0; display: grid; gap: .4rem; }
.aside-silo-list a {
    display: flex;
    gap: .45rem;
    font-size: .82rem;
    color: var(--ink-2);
    text-decoration: none;
    padding: .3rem .2rem;
    border-bottom: 1px dashed var(--line);
}
.aside-silo-list li:last-child a { border-bottom: 0; }
.aside-silo-list a:hover { color: var(--navy); }
.aside-silo-num { font-weight: 700; color: var(--gold-600); min-width: 22px; }
.toc-mobile { display: none; }

.featured-figure { margin: 0 0 2rem; border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line); }

.abstract-box { background: var(--white); border: 1px solid var(--line); border-left: 4px solid var(--navy); border-radius: var(--radius); padding: 1.35rem 1.55rem; margin-bottom: 2rem; box-shadow: var(--shadow-sm); }
.abstract-title { font-size: .78rem; font-family: var(--font-sans); letter-spacing: .14em; text-transform: uppercase; color: var(--navy-700); margin: 0 0 .6rem; }
.abstract-box ol { margin: 0; padding-left: 1.2rem; }
.abstract-box li { margin-bottom: .35rem; }

/* ---------- Prose (article body) ---------- */
.prose { font-size: 1.04rem; color: var(--ink); }
.prose > *:first-child { margin-top: 0; }
.prose h2 { font-size: 1.62rem; margin: 2.75rem 0 1rem; padding-bottom: .5rem; border-bottom: 1px solid var(--line); scroll-margin-top: 100px; }
.prose h3 { font-size: 1.24rem; margin: 2rem 0 .75rem; scroll-margin-top: 100px; color: var(--navy-700); }
.prose h4 { font-size: 1.06rem; margin: 1.5rem 0 .5rem; }
.prose ul, .prose ol { padding-left: 1.4rem; margin: 0 0 1.25rem; }
.prose li { margin-bottom: .4rem; }
.prose li::marker { color: var(--gold-600); }
.prose strong { color: var(--navy-900); font-weight: 600; }
.prose blockquote { margin: 1.5rem 0; padding: 1rem 1.25rem; border-left: 3px solid var(--gold); background: var(--white); font-family: var(--font-serif); font-style: italic; color: var(--ink-2); }
.prose table { width: 100%; border-collapse: collapse; margin: 1.5rem 0 2rem; font-size: .92rem; background: var(--white); display: block; overflow-x: auto; }
.prose thead th { background: var(--navy); color: #fff; font-weight: 600; text-align: left; padding: .75rem .9rem; font-family: var(--font-sans); white-space: nowrap; }
.prose tbody td { padding: .7rem .9rem; border-bottom: 1px solid var(--line); vertical-align: top; }
.prose tbody tr:nth-child(even) td { background: var(--paper); }
.prose hr { border: 0; border-top: 1px solid var(--line); margin: 2.5rem 0; }
.prose img { border-radius: var(--radius); border: 1px solid var(--line); margin: 1.5rem auto; }

/* Callout */
.callout { margin: 1.75rem 0; padding: 1.15rem 1.4rem; border-radius: var(--radius); border: 1px solid var(--line); background: var(--white); border-left-width: 4px; }
.callout-title { font-family: var(--font-sans); font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; margin: 0 0 .4rem; }
.callout-body > *:last-child { margin-bottom: 0; }
.callout-note { border-left-color: var(--navy-700); }
.callout-note .callout-title { color: var(--navy-700); }
.callout-legal { border-left-color: var(--gold); background: #FFFDF8; }
.callout-legal .callout-title { color: var(--gold-600); }
.callout-warning { border-left-color: var(--burgundy); background: #FFF9F8; }
.callout-warning .callout-title { color: var(--burgundy); }

/* Inline CTA */
.inline-cta { display: flex; justify-content: space-between; align-items: center; gap: 1.5rem; margin: 2.25rem 0; padding: 1.4rem 1.6rem; background: var(--navy-100); border: 1px solid #CDD8E4; border-radius: var(--radius-lg); }
.inline-cta-title { font-family: var(--font-serif); font-weight: 700; font-size: 1.1rem; color: var(--navy-900); margin: 0 0 .25rem; }
.inline-cta-text { margin: 0; font-size: .92rem; color: var(--ink-2); }
.inline-cta-actions { display: flex; flex-direction: column; align-items: center; gap: .4rem; flex-shrink: 0; }
.inline-cta-phone { font-size: .85rem; font-weight: 600; text-decoration: none; }

/* SIVC facts box */
.sivc-facts { margin: 2rem 0; background: var(--white); border: 1px solid var(--line); border-top: 4px solid var(--navy); border-radius: var(--radius-lg); padding: 1.5rem; }
.sivc-facts-eyebrow { font-size: .72rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-600); margin: 0 0 .2rem; }
.sivc-facts-name { font-family: var(--font-serif); font-weight: 700; font-size: 1.15rem; color: var(--navy-900); margin: 0 0 1rem; }
.sivc-facts-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: .75rem; margin-bottom: 1.1rem; }
.sivc-facts-stats div { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: .75rem .5rem; text-align: center; }
.sivc-facts-stats .v { display: block; font-family: var(--font-serif); font-weight: 700; font-size: 1.45rem; color: var(--navy); line-height: 1.1; }
.sivc-facts-stats .l { display: block; font-size: .72rem; color: var(--muted); line-height: 1.35; margin-top: .3rem; }
.sivc-facts-source { font-size: .78rem; color: var(--muted); font-style: italic; margin: 0; }
.sivc-detail .bank-grid { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: .5rem; }
.sivc-detail .bank-grid li { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: .5rem .75rem; font-size: .88rem; text-align: center; }

/* FAQ */
.faq-section { margin-top: 3rem; }
.faq-section h2 { font-size: 1.6rem; padding-bottom: .5rem; border-bottom: 1px solid var(--line); }
.faq-item { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: .65rem; }
.faq-item summary { cursor: pointer; list-style: none; padding: 1rem 3rem 1rem 1.25rem; font-family: var(--font-serif); font-weight: 600; color: var(--navy-900); position: relative; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; position: absolute; right: 1.25rem; top: 50%; transform: translateY(-50%); font-family: var(--font-sans); font-size: 1.3rem; color: var(--gold-600); }
.faq-item[open] summary::after { content: "−"; }
.faq-answer { padding: 0 1.25rem 1rem; color: var(--ink-2); }
.faq-answer p:last-child { margin: 0; }

/* References */
.refs-section { margin-top: 3rem; padding: 1.5rem; background: var(--paper-2); border: 1px solid var(--line); border-radius: var(--radius-lg); }
.refs-section h2 { font-size: 1.15rem; margin: 0 0 .9rem; }
.refs-list { margin: 0; padding-left: 1.4rem; font-size: .9rem; }
.refs-list li { margin-bottom: .4rem; }
.refs-list li::marker { font-family: var(--font-serif); color: var(--gold-600); }
.ref-name { font-weight: 600; color: var(--navy-900); }
.ref-note { color: var(--muted); }

/* Editorial */
.editorial-box { display: flex; gap: 1.25rem; margin-top: 2.5rem; padding: 1.5rem; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--white); }
.editorial-title { font-family: var(--font-serif); font-weight: 700; color: var(--navy-900); margin: 0 0 .4rem; }
.editorial-body p { font-size: .9rem; color: var(--ink-2); }
.editorial-note { font-size: .82rem !important; color: var(--muted) !important; font-style: italic; margin: 0; }

/* CTA banner */
.cta-banner { display: grid; grid-template-columns: 1.4fr 1fr; gap: 2rem; align-items: center; margin: 3rem 0; padding: 2.15rem 2.35rem; background: linear-gradient(125deg, #061322 0%, #0E2841 100%); color: #C9D3DF; border-radius: var(--radius-lg); border-left: 5px solid var(--gold); }
.cta-banner h2 { color: #fff; font-size: 1.45rem; margin: 0 0 .6rem; }
.cta-banner p { margin: 0; font-size: .93rem; }
.cta-banner-actions { display: flex; flex-direction: column; gap: .65rem; }

/* ---------- Related & Automated Cluster Hub ---------- */
.related-section { margin-top: 3rem; }
.cluster-hub-box {
    background: var(--paper-2);
    border: 1px solid var(--line-2);
    border-top: 4px solid var(--gold);
    border-radius: var(--radius-lg);
    padding: 1.65rem;
    margin-bottom: 2.25rem;
}
.cluster-hub-head { margin-bottom: 1.15rem; }
.related-heading { font-size: 1.35rem; margin: 0 0 1.1rem; }
.pillar-card { display: block; text-decoration: none; background: var(--navy-900); color: #C9D3DF; border-radius: var(--radius-lg); padding: 1.5rem 1.7rem; margin-bottom: 1.15rem; border-left: 4px solid var(--gold); }
.pillar-card:hover { background: var(--navy); color: #C9D3DF; }
.pillar-label { display: block; font-size: .7rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-light); }
.pillar-title { display: block; font-family: var(--font-serif); font-weight: 700; font-size: 1.18rem; color: #fff; margin: .35rem 0; }
.pillar-desc { display: block; font-size: .88rem; }
.pillar-more { display: block; margin-top: .6rem; font-weight: 600; color: var(--gold-light); font-size: .88rem; }
.related-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
.related-card { display: flex; flex-direction: column; text-decoration: none; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 1.2rem 1.3rem; color: inherit; transition: border-color .2s, box-shadow .2s; }
.related-card:hover { border-color: var(--gold); box-shadow: var(--shadow-sm); color: inherit; }
.related-cat { display: block; font-size: .68rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-600); }
.related-title { display: block; font-family: var(--font-serif); font-weight: 700; color: var(--navy-900); margin: .3rem 0; line-height: 1.35; }
.related-desc { display: block; font-size: .85rem; color: var(--muted); flex: 1; }
.related-more { display: block; margin-top: .55rem; font-size: .8rem; font-weight: 700; color: var(--navy); }

.silo-quicknav {
    margin-top: 2rem;
    padding: 1.25rem 1.4rem;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
}
.silo-quicknav-title {
    font-size: .76rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .12em;
    color: var(--navy);
    margin: 0 0 .75rem;
}
.silo-quicknav-chips {
    display: flex;
    flex-wrap: wrap;
    gap: .5rem;
}
.silo-chip {
    display: inline-flex;
    align-items: center;
    gap: .35rem;
    font-size: .8rem;
    font-weight: 600;
    color: var(--navy-900);
    background: var(--paper);
    border: 1px solid var(--line);
    padding: .32rem .7rem;
    border-radius: 999px;
    text-decoration: none;
}
.silo-chip:hover {
    border-color: var(--gold);
    background: var(--gold-100);
    color: var(--navy-950);
}
.silo-chip-roman {
    font-size: .7rem;
    font-weight: 700;
    color: var(--gold-600);
}

/* List page */
.list-layout { padding-top: 2.5rem; padding-bottom: 4rem; }
.list-intro { max-width: 860px; margin-bottom: 2rem; }
.pagination { display: flex; justify-content: center; gap: 1.5rem; align-items: center; margin-top: 2rem; font-size: .9rem; }

/* ---------- Forms ---------- */
.lead-form .field { display: flex; flex-direction: column; margin-bottom: .9rem; }
.lead-form label { font-size: .84rem; font-weight: 600; color: var(--ink-2); margin-bottom: .3rem; }
.lead-form .req { color: var(--burgundy); }
.lead-form input[type="text"], .lead-form input[type="tel"], .lead-form input[type="email"], .lead-form input[type="number"], .lead-form select, .lead-form textarea,
.tool-form input, .tool-form select {
    font-family: var(--font-sans); font-size: .95rem; color: var(--ink);
    padding: .72rem .85rem; border: 1px solid var(--line-2); border-radius: var(--radius); background: var(--white); width: 100%;
    transition: border-color .2s, box-shadow .2s;
}
.lead-form input:focus, .lead-form select:focus, .lead-form textarea:focus, .tool-form input:focus, .tool-form select:focus { outline: none; border-color: var(--navy-700); box-shadow: 0 0 0 3px rgba(22,58,99,.12); }
.lead-form .is-invalid { border-color: var(--danger) !important; }
.consent { display: flex !important; flex-direction: row !important; gap: .6rem; align-items: flex-start; font-size: .8rem !important; font-weight: 400 !important; color: var(--muted) !important; margin: .4rem 0 1rem; line-height: 1.5; }
.consent input { margin-top: .2rem; flex-shrink: 0; width: 16px; height: 16px; accent-color: var(--navy); }
.hp-field { position: absolute !important; left: -10000px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { font-size: .88rem; margin: .75rem 0 0; min-height: 1.2em; }
.form-status.is-error { color: var(--danger); }
.form-status.is-ok { color: var(--success); }
.form-success { text-align: center; padding: 1rem .5rem; }
.form-success-title { font-family: var(--font-serif); font-size: 1.25rem; font-weight: 700; color: var(--navy-900); margin: 0 0 .5rem; }
.form-success-code { display: inline-block; font-family: ui-monospace, Consolas, monospace; font-size: 1.15rem; font-weight: 700; letter-spacing: .06em; color: var(--navy); background: var(--gold-100); border: 1px dashed var(--gold); border-radius: var(--radius); padding: .45rem .9rem; margin: .5rem 0 1rem; }
.form-success p { font-size: .9rem; color: var(--ink-2); }
.form-success .btn { margin-top: .4rem; }

.quote-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 2.5rem; padding-top: 2.5rem; padding-bottom: 2rem; }
.quote-main { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 2rem; border-top: 4px solid var(--navy); }
.quote-main fieldset { border: 0; padding: 0; margin: 0 0 1.5rem; }
.quote-main legend { font-family: var(--font-serif); font-weight: 700; font-size: 1.2rem; color: var(--navy-900); margin-bottom: 1rem; display: flex; align-items: center; gap: .6rem; }
.legend-num { display: inline-flex; align-items: center; justify-content: center; width: 28px; height: 28px; border-radius: 50%; background: var(--navy); color: #fff; font-family: var(--font-sans); font-size: .85rem; }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 1.1rem; }
.field-full { grid-column: 1 / -1; }
.quote-aside { display: grid; gap: 1.25rem; align-content: start; }
.mini-steps { margin: 0; padding-left: 1.2rem; font-size: .88rem; }
.mini-steps li { margin-bottom: .45rem; }
.aside-contact { display: flex; justify-content: space-between; gap: .75rem; font-size: .88rem; border-bottom: 1px dashed var(--line); padding-bottom: .45rem; }
.aside-contact span { color: var(--muted); }
.aside-contact a { font-weight: 700; text-decoration: none; }

/* Fee tool */
.tool-card { background: var(--white); border: 1px solid var(--line); border-top: 4px solid var(--gold); border-radius: var(--radius-lg); padding: 1.75rem; margin: 2rem 0; }
.tool-title { font-size: 1.4rem; margin: 0 0 .5rem !important; border: 0 !important; padding: 0 !important; }
.tool-head .eyebrow { margin-bottom: .4rem; }
.tool-desc { font-size: .9rem; color: var(--muted); }
.tool-form .field { display: flex; flex-direction: column; margin-bottom: .9rem; }
.tool-form label { font-size: .84rem; font-weight: 600; color: var(--ink-2); margin-bottom: .3rem; }
.tool-result { margin-top: 1.25rem; padding: 1.25rem; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); text-align: center; }
.tool-result-label { font-size: .75rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); margin: 0; }
.tool-result-value { font-family: var(--font-serif); font-size: 1.8rem; font-weight: 700; color: var(--navy); margin: .25rem 0 .5rem; }
.tool-result-note { font-size: .82rem; color: var(--muted); font-style: italic; }

/* Error page */
.error-page { text-align: left; }
.error-links { margin: 1.5rem 0 2rem; }

/* ---------- Sovereign 5-Column Footer ---------- */
.site-footer { background: var(--navy-950); color: #A9B6C6; font-size: .88rem; margin-top: 0; }
.footer-top-strip {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
    padding-top: 2.25rem;
    padding-bottom: 1.75rem;
    border-bottom: 1px solid rgba(200, 164, 93, 0.2);
}
.footer-strip-item {
    background: rgba(255, 255, 255, 0.03);
    border-left: 3px solid var(--gold);
    padding: .75rem 1rem;
    border-radius: 0 var(--radius) var(--radius) 0;
}
.strip-kicker {
    display: block;
    font-size: .68rem;
    text-transform: uppercase;
    letter-spacing: .12em;
    color: var(--gold-light);
    margin-bottom: .2rem;
}
.footer-strip-item strong { color: #fff; font-size: .9rem; }

.footer-grid { display: grid; grid-template-columns: 1.35fr 1fr 1fr 1fr 1.05fr; gap: 2rem; padding-top: 2.75rem; padding-bottom: 2.5rem; }
.brand-footer .brand-name { color: #fff; }
.brand-footer .brand-tagline { color: var(--gold-light); }
.footer-desc { margin-top: 1rem; font-size: .85rem; line-height: 1.65; }
.footer-desc strong { color: #fff; }
.footer-badges { display: flex; flex-wrap: wrap; gap: .4rem; margin-top: .85rem; }
.footer-badges span {
    font-size: .68rem;
    color: var(--gold-light);
    border: 1px solid rgba(200, 164, 93, 0.35);
    padding: .15rem .5rem;
    border-radius: 3px;
}
.footer-title { font-family: var(--font-sans); font-size: .73rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-light); margin: 0 0 1rem; }
.footer-links { list-style: none; padding: 0; margin: 0; display: grid; gap: .52rem; }
.footer-links a, .footer-contact a { color: #D2DAE4; text-decoration: none; font-size: .85rem; }
.footer-links a:hover, .footer-contact a:hover { color: var(--gold-light); }
.footer-contact p { margin: 0 0 .6rem; display: flex; flex-direction: column; }
.footer-contact .label { font-size: .7rem; text-transform: uppercase; letter-spacing: .1em; color: #7F8C9D; }
.footer-cta-btn { margin-top: .75rem; font-size: .84rem; padding: .65rem 1rem; }
.footer-disclosure { border-top: 1px solid rgba(255,255,255,.08); padding: 1.35rem 0; font-size: .8rem; line-height: 1.65; color: #8E9BAB; }
.footer-disclosure strong { color: #DCE5F0; }
.footer-disclosure p { margin: 0; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding: 1rem 0; font-size: .78rem; }
.footer-bottom-inner { display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; }
.footer-bottom p { margin: 0; }
.footer-bottom a { color: #A9B6C6; }

/* ---------- Floating CTA ---------- */
.float-cta { position: fixed; right: 1.25rem; bottom: 1.25rem; z-index: 60; display: flex; flex-direction: column; gap: .5rem; }
.float-btn { display: flex; align-items: center; gap: .5rem; padding: .7rem 1rem; border-radius: 999px; text-decoration: none; font-weight: 600; font-size: .85rem; box-shadow: 0 6px 18px rgba(5,15,28,.28); }
.float-call { background: var(--navy-950); color: #fff; border: 1px solid rgba(200,164,93,.4); }
.float-zalo { background: #0068FF; color: #fff; }
.float-quote { background: linear-gradient(135deg, #D8B772 0%, #B89146 100%); color: var(--navy-950); }
.float-btn:hover { filter: brightness(1.08); color: inherit; }
.float-call:hover, .float-zalo:hover { color: #fff; }

/* ---------- Responsive ---------- */
@media (max-width: 1240px) {
    .header-inner .brand-tagline { display: none; }
    .luxury-bank-grid { grid-template-columns: repeat(4, 1fr); }
    .footer-grid { grid-template-columns: 1.2fr 1fr 1fr; }
}
@media (max-width: 1100px) {
    .main-nav > ul > li > a { padding: .55rem .5rem; font-size: .86rem; }
    .service-grid { grid-template-columns: repeat(2, 1fr); }
    .process { grid-template-columns: repeat(3, 1fr); }
    .landmark-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 980px) {
    .nav-toggle { display: block; }
    .btn-header { display: none; }
    .mega-panel { display: none !important; }
    .main-nav { position: fixed; inset: var(--nav-top, 120px) 0 0 0; background: var(--white); padding: 1.25rem; transform: translateX(100%); transition: transform .25s; overflow-y: auto; border-top: 1px solid var(--line); }
    .main-nav.is-open { transform: translateX(0); }
    .main-nav > ul { flex-direction: column; align-items: stretch; gap: 0; }
    .main-nav > ul > li > a { display: flex; justify-content: space-between; padding: .9rem .25rem; border-bottom: 1px solid var(--line); font-size: 1rem; }
    .main-nav > ul > li > a.is-active { border-bottom-color: var(--line); color: var(--gold-600); }
    .nav-mobile-extra { display: grid; gap: .6rem; margin-top: 1.25rem; }
    .hero-grid, .two-col, .two-col-wide, .article-layout, .quote-layout, .cta-banner, .silo-matrix, .footer-top-strip { grid-template-columns: 1fr; }
    .hero { padding: 3rem 0 3.5rem; }
    .hero-pillars-mini { grid-template-columns: 1fr; }
    .article-aside { display: none; }
    .toc-mobile { display: block; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: .75rem 1rem; margin-bottom: 1.75rem; }
    .toc-mobile summary { cursor: pointer; font-weight: 600; color: var(--navy); }
    .toc-mobile ul { padding-left: 1rem; font-size: .9rem; }
    .card-grid { grid-template-columns: 1fr 1fr; }
    .luxury-bank-grid { grid-template-columns: repeat(3, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .utility-hours, .utility-langs { display: none; }
}
@media (max-width: 680px) {
    body { font-size: 15.5px; }
    .utility-note { font-size: .72rem; }
    .utility-phone { display: none; }
    .brand-tagline { display: none; }
    .brand-name { font-size: 1.08rem; }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .stat:nth-child(2) { border-right: 0; }
    .stat { border-bottom: 1px solid var(--line); padding: 1rem .5rem; }
    .service-grid, .card-grid, .related-grid, .process, .field-grid, .landmark-grid { grid-template-columns: 1fr; }
    .luxury-bank-grid { grid-template-columns: 1fr 1fr; }
    .sivc-facts-stats, .sivc-detail .bank-grid { grid-template-columns: 1fr 1fr; }
    .inline-cta { flex-direction: column; align-items: stretch; text-align: left; }
    .inline-cta-actions { align-items: stretch; }
    .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
    .quote-main { padding: 1.25rem; }
    .cta-banner { padding: 1.5rem; }
    .section { padding: 3rem 0; }
    .prose h2 { font-size: 1.35rem; }
    .float-cta { left: 0; right: 0; bottom: 0; flex-direction: row; gap: 0; background: var(--white); box-shadow: 0 -4px 16px rgba(5,15,28,.14); }
    .float-btn { flex: 1; justify-content: center; border-radius: 0; box-shadow: none; padding: .85rem .5rem; font-size: .8rem; }
    body { padding-bottom: 52px; }
}
@media print {
    .utility-bar, .site-header, .float-cta, .cta-banner, .inline-cta, .article-aside, .site-footer, .related-section { display: none !important; }
    body { background: #fff; }
}