/* ===========================================================================
   Ever Trust Investment - Institution Solutions
   Palette: Navy Blue + Golden + White
   =========================================================================== */
    :root {
      --ink: #17202a;
      --muted: #5d6975;
      --line: #d9e1e8;
      --paper: #f7f9fb;
      --white: #ffffff;
      --navy: #12335b;
      --teal: #0f766e;
      --gold: #c88719;
      --red: #b42318;
      --green: #287a3e;
      --shadow: 0 14px 34px rgba(18, 51, 91, 0.12);
    }

    * { box-sizing: border-box; }

    body {
      margin: 0;
      font-family: Arial, Helvetica, sans-serif;
      color: var(--ink);
      background: var(--paper);
      line-height: 1.55;
    }

    a { color: inherit; text-decoration: none; }

    .topbar {
      background: var(--navy);
      color: #eef6ff;
      font-size: 14px;
    }

    .wrap {
      width: min(1180px, calc(100% - 32px));
      margin: 0 auto;
    }

    .topbar .wrap {
      display: flex;
      justify-content: space-between;
      gap: 16px;
      padding: 8px 0;
      flex-wrap: wrap;
    }

    header {
      background: var(--white);
      border-bottom: 1px solid var(--line);
      position: sticky;
      top: 0;
      z-index: 10;
    }

    .nav {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 24px;
      min-height: 72px;
    }

    .brand {
      display: flex;
      align-items: center;
      gap: 12px;
      font-weight: 800;
      color: var(--navy);
      letter-spacing: 0;
    }

    .mark {
      width: 44px;
      height: 44px;
      border-radius: 6px;
      display: grid;
      place-items: center;
      color: var(--white);
      background: linear-gradient(135deg, var(--navy), var(--teal));
      font-weight: 900;
    }

    .brand-logo {
      width: 58px;
      height: 58px;
      object-fit: contain;
      border-radius: 6px;
      background: #fff;
    }

    .welcome-logo {
      width: min(190px, 55%);
      margin: 0 auto 14px;
      display: block;
      border-radius: 8px;
    }

    .feature-link { display: inline-flex; margin-top: 8px; color: var(--teal); font-weight: 800; }
    .preview-quote { border-left: 4px solid var(--gold); padding-left: 14px; }

    nav ul {
      list-style: none;
      margin: 0;
      padding: 0;
      display: flex;
      align-items: center;
      gap: 6px;
      flex-wrap: wrap;
    }

    nav a {
      display: inline-flex;
      align-items: center;
      min-height: 38px;
      padding: 8px 10px;
      border-radius: 6px;
      color: #243447;
      font-size: 14px;
      font-weight: 700;
    }

    nav a:hover { background: #edf4f8; color: var(--navy); }

    .cta {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      min-height: 42px;
      padding: 10px 16px;
      border-radius: 6px;
      background: var(--teal);
      color: var(--white);
      font-weight: 800;
      border: 0;
      cursor: pointer;
      white-space: nowrap;
    }

    .cta.secondary {
      background: var(--white);
      color: var(--navy);
      border: 1px solid var(--line);
    }

    .hero {
      background:
        linear-gradient(105deg, rgba(18, 51, 91, 0.95) 0%, rgba(18, 51, 91, 0.88) 48%, rgba(15, 118, 110, 0.72) 100%);
      color: var(--white);
      padding: 72px 0 52px;
    }

    .hero-grid {
      display: grid;
      grid-template-columns: minmax(0, 1.05fr) minmax(320px, 0.72fr);
      gap: 34px;
      align-items: center;
    }

    .eyebrow {
      color: #ffd58b;
      font-weight: 800;
      text-transform: uppercase;
      font-size: 13px;
      letter-spacing: 0;
    }

    h1 {
      margin: 12px 0 16px;
      font-size: clamp(34px, 5vw, 58px);
      line-height: 1.05;
      letter-spacing: 0;
    }

    .hero p {
      max-width: 680px;
      font-size: 18px;
      color: #e8f2f6;
      margin: 0 0 24px;
    }

    .hero-actions {
      display: flex;
      gap: 12px;
      flex-wrap: wrap;
      margin-bottom: 26px;
    }

    .trust-row {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 12px;
      max-width: 760px;
    }

    .trust {
      border: 1px solid rgba(255, 255, 255, 0.26);
      border-radius: 8px;
      padding: 12px;
      background: rgba(255, 255, 255, 0.08);
    }

    .trust strong { display: block; font-size: 20px; }
    .trust span { color: #dcecf0; font-size: 13px; }

    .welcome-card {
      background: rgba(255, 255, 255, 0.96);
      color: var(--ink);
      border-radius: 8px;
      padding: 22px;
      box-shadow: var(--shadow);
    }

    .welcome-card h2 {
      margin: 0 0 10px;
      color: var(--navy);
      font-size: 27px;
      line-height: 1.15;
    }

    .welcome-card p {
      color: var(--muted);
      font-size: 15px;
      margin: 0 0 18px;
    }

    .leader-grid {
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: 12px;
    }

    .leader {
      overflow: hidden;
      border-radius: 8px;
      border: 1px solid var(--line);
      background: #f9fbfc;
    }

    .leader img {
      width: 100%;
      aspect-ratio: 1 / 0.9;
      object-fit: cover;
      object-position: center top;
      display: block;
    }

    .leader div {
      padding: 11px;
    }

    .leader strong {
      display: block;
      color: var(--navy);
      line-height: 1.2;
    }

    .leader span {
      display: block;
      color: var(--muted);
      font-size: 13px;
      margin-top: 3px;
    }

    .poster {
      background: rgba(255, 255, 255, 0.96);
      color: var(--ink);
      border-radius: 8px;
      padding: 22px;
      box-shadow: var(--shadow);
    }

    .site-photo {
      width: 100%;
      display: block;
      border-radius: 8px;
      border: 1px solid var(--line);
      margin: 0 0 16px;
      background: #eef4f7;
    }

    .poster h2 {
      margin: 0 0 10px;
      color: var(--navy);
      font-size: 26px;
    }

    .poster-list {
      display: grid;
      gap: 10px;
      margin: 16px 0;
    }

    .poster-item {
      display: flex;
      justify-content: space-between;
      gap: 14px;
      padding: 10px 12px;
      border: 1px solid var(--line);
      border-radius: 6px;
      background: #f9fbfc;
      font-weight: 700;
    }

    .fee-note {
      border-left: 4px solid var(--gold);
      padding: 10px 12px;
      background: #fff8ea;
      color: #4d3a15;
      font-size: 14px;
    }

    section {
      padding: 58px 0;
      scroll-margin-top: 96px;
    }

    .section-title {
      max-width: 820px;
      margin-bottom: 26px;
    }

    .section-title h2 {
      margin: 0 0 8px;
      color: var(--navy);
      font-size: clamp(26px, 3vw, 38px);
      line-height: 1.15;
    }

    .section-title p {
      margin: 0;
      color: var(--muted);
      font-size: 17px;
    }

    .grid {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 18px;
    }

    .card {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 8px;
      padding: 22px;
      box-shadow: 0 8px 22px rgba(18, 51, 91, 0.06);
    }

    .card h3 {
      margin: 0 0 10px;
      color: var(--navy);
      font-size: 21px;
    }

    .card p { margin: 0 0 12px; color: var(--muted); }

    .card ul {
      margin: 0;
      padding-left: 19px;
      color: #344452;
    }

    .band {
      background: var(--white);
      border-block: 1px solid var(--line);
    }

    .programs {
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: 18px;
    }

    .program {
      display: grid;
      grid-template-columns: 1fr auto;
      gap: 18px;
      align-items: start;
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 8px;
      padding: 22px;
    }

    .price {
      background: #eef7f5;
      color: var(--teal);
      border-radius: 6px;
      padding: 8px 10px;
      font-weight: 900;
      white-space: nowrap;
    }

    .program h3 { margin: 0 0 8px; color: var(--navy); }
    .program p { margin: 0 0 12px; color: var(--muted); }

    .pill-row {
      display: flex;
      flex-wrap: wrap;
      gap: 8px;
    }

    .pill {
      display: inline-flex;
      padding: 5px 8px;
      border-radius: 999px;
      background: #f0f4f7;
      color: #344452;
      font-size: 13px;
      font-weight: 700;
    }

    .outcome {
      display: grid;
      grid-template-columns: 0.7fr 1.3fr;
      gap: 28px;
      align-items: start;
    }

    .steps {
      display: grid;
      gap: 14px;
    }

    .step {
      display: grid;
      grid-template-columns: 42px 1fr;
      gap: 14px;
      align-items: start;
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 8px;
      padding: 18px;
    }

    .num {
      width: 42px;
      height: 42px;
      border-radius: 6px;
      display: grid;
      place-items: center;
      background: var(--navy);
      color: var(--white);
      font-weight: 900;
    }

    .step h3 { margin: 0 0 5px; color: var(--navy); }
    .step p { margin: 0; color: var(--muted); }

    .warning {
      background: #fff4f2;
      border: 1px solid #ffd5cf;
      color: #5d201b;
      border-radius: 8px;
      padding: 18px;
    }

    .office-grid {
      display: grid;
      grid-template-columns: 0.82fr 1.18fr;
      gap: 24px;
      align-items: stretch;
    }

    .address-card {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 8px;
      padding: 24px;
      box-shadow: 0 8px 22px rgba(18, 51, 91, 0.06);
    }

    .address-card h3 {
      margin: 0 0 12px;
      color: var(--navy);
      font-size: 24px;
    }

    .address-card p {
      margin: 0 0 16px;
      color: var(--muted);
    }

    .map-frame {
      overflow: hidden;
      border-radius: 8px;
      border: 1px solid var(--line);
      background: var(--white);
      min-height: 360px;
    }

    .map-frame iframe {
      width: 100%;
      height: 100%;
      min-height: 360px;
      display: block;
      border: 0;
    }

    .contact {
      background: var(--navy);
      color: var(--white);
    }

    .contact-grid {
      display: grid;
      grid-template-columns: 0.9fr 1.1fr;
      gap: 28px;
      align-items: start;
    }

    .contact h2 { margin: 0 0 10px; font-size: 34px; }
    .contact p { color: #dcecf0; }

    form {
      display: grid;
      gap: 12px;
      background: var(--white);
      color: var(--ink);
      padding: 22px;
      border-radius: 8px;
    }

    label {
      font-size: 13px;
      font-weight: 800;
      color: #344452;
    }

    input, select, textarea {
      width: 100%;
      min-height: 42px;
      border: 1px solid var(--line);
      border-radius: 6px;
      padding: 10px 12px;
      font: inherit;
      color: var(--ink);
      background: #fbfdfe;
    }

    textarea { min-height: 92px; resize: vertical; }

    .form-row {
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: 12px;
    }

    footer {
      background: #0b2039;
      color: #cdd9e4;
      padding: 24px 0;
      font-size: 14px;
    }

    footer .wrap {
      display: flex;
      justify-content: space-between;
      gap: 16px;
      flex-wrap: wrap;
    }

    @media (max-width: 900px) {
      .hero-grid,
      .outcome,
      .contact-grid,
      .office-grid {
        grid-template-columns: 1fr;
      }

      .grid,
      .programs,
      .trust-row,
      .leader-grid {
        grid-template-columns: 1fr;
      }

      .program {
        grid-template-columns: 1fr;
      }
    }

    @media (max-width: 620px) {
      .wrap { width: min(100% - 22px, 1180px); }
      .nav { align-items: flex-start; flex-direction: column; padding: 12px 0; }
      nav ul { gap: 2px; }
      nav a { padding: 7px 8px; font-size: 13px; }
      .hero { padding: 42px 0; }
      .form-row { grid-template-columns: 1fr; }
      section { padding: 42px 0; }
    }
      nav a.active,
    nav a[aria-current="page"] {
      color: var(--navy);
      background: var(--sky);
    }

    .page-main {
      min-height: 58vh;
    }