/*
Theme Name: Property CFO
Theme URI: https://www.propertycfo.com
Author: Deborah Jepkemoi
Author URI: https://deborahjepkemoi.webflow.io
Description: Property CFO — Outsourced Capital Director for Property Developers. Converted from Next.js/SCSS to WordPress.
Version: 1.0
License: GNU General Public License v2
Text Domain: propertycfo
*/

/* ═══════════════════════════════════════════
   CSS VARIABLES
═══════════════════════════════════════════ */
:root {
  --max-width: 1232px;
  --navbar-height: 72px;
  --page-bg: #f6f6f8;
  --cfo-deep-blue: #003068;
  --cfo-light-blue: #005fce;
  --cfo-grey: #737373;
  --cfo-red: #e7000b;
  --cfo-deep-red: #c10007;
  --cfo-light-pink: #fff7ed;
}

/* ═══════════════════════════════════════════
   RESET & BASE
═══════════════════════════════════════════ */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; overflow-x: hidden; scrollbar-gutter: stable; }
body {
  margin: 0; padding: 0;
  background-color: var(--page-bg);
  font-family: 'Manrope', sans-serif;
  line-height: 1.4;
  overflow-x: hidden;
}
img, video { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
ul { list-style: none; margin: 0; padding: 0; }

h1 { font-size: 1.5rem; }
h2 { font-size: 1.25rem; }
h3 { font-size: 1.125rem; }
p  { font-size: 0.875rem; margin: 0; }
@media (min-width: 768px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.5rem; }
  h3 { font-size: 1.25rem; }
  p  { font-size: 1rem; }
}
@media (min-width: 1024px) {
  h1 { font-size: 2.5rem; }
  h2 { font-size: 2rem; }
  h3 { font-size: 1.5rem; }
}

/* ═══════════════════════════════════════════
   KEYFRAMES
═══════════════════════════════════════════ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(28px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(32px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes colFadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes imgReveal {
  from { opacity: 0; transform: scale(1.04); }
  to   { opacity: 0.9; transform: scale(1); }
}
@keyframes shimmer {
  from { background-position: -200% center; }
  to   { background-position: 200% center; }
}
@keyframes gridDrift {
  from { background-position: 0 0; }
  to   { background-position: 60px 60px; }
}
@keyframes orbFloat1 {
  0%,100% { transform: translate(0,0) scale(1); }
  30%      { transform: translate(40px,-30px) scale(1.06); }
  60%      { transform: translate(-25px,20px) scale(0.96); }
}
@keyframes orbFloat2 {
  0%,100% { transform: translate(0,0) scale(1); }
  35%      { transform: translate(-35px,25px) scale(1.07); }
  70%      { transform: translate(20px,-20px) scale(0.95); }
}
@keyframes gradientPulse {
  0%,100% { opacity: 1; }
  50%      { opacity: 0.7; }
}
@keyframes bounce {
  0%,100% { transform: translateX(-50%) translateY(0); }
  50%      { transform: translateX(-50%) translateY(8px); }
}
@keyframes shimmerBtn {
  from { background-position: -200% center; }
  to   { background-position: 200% center; }
}
@keyframes navFadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

/* ═══════════════════════════════════════════
   NAVBAR
═══════════════════════════════════════════ */
.pcfo-nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 9999;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 2rem; height: 72px;
  background: transparent;
  transition: transform 0.4s ease, opacity 0.4s ease, background 0.35s ease, box-shadow 0.35s ease;
}
.pcfo-nav.nav-hide { transform: translateY(-100%); opacity: 0; pointer-events: none; }
.pcfo-nav.nav-show { transform: translateY(0); opacity: 1; pointer-events: all; }
.pcfo-nav.nav-scrolled { background: rgba(255,255,255,0.96); box-shadow: 0 1px 0 rgba(0,30,60,0.1), 0 4px 20px rgba(0,0,0,0.06); }
.pcfo-nav.nav-non-home .pcfo-nav-link { color: #003068; }
.pcfo-nav.nav-non-home .pcfo-nav-cta { color:#fff; border-color:#003068; background:#003068; }
.pcfo-nav.nav-non-home .pcfo-nav-cta:hover { background:#001c4e; border-color:#001c4e; }
.pcfo-nav.nav-non-home .pcfo-hamburger { color: #003068; }

@media (min-width: 1024px) {
  .pcfo-nav { padding: 0 3rem; max-width: var(--max-width); margin: 0 auto; left: 0; right: 0; }
}

.pcfo-nav-logo { display: flex; align-items: center; flex-shrink: 0; }
.pcfo-nav-logo img { width: 160px; height: auto; object-fit: contain; }
@media (min-width: 1024px) { .pcfo-nav-logo img { width: 180px; } }

.pcfo-nav-links { display: none; list-style: none; margin: 0; padding: 0; }
@media (min-width: 1024px) { .pcfo-nav-links { display: flex; align-items: center; gap: 2rem; } }

.pcfo-nav-link {
  text-decoration: none; color: rgba(255,255,255,0.9);
  font-size: 0.9375rem; font-weight: 500;
  transition: color 0.2s ease, opacity 0.2s ease; padding: 0.25rem 0;
}
.pcfo-nav-link:hover { color: #fff; opacity: 0.75; }
.pcfo-nav-link.active { color: #fff; border-bottom: 2px solid #fff; }

.pcfo-nav-cta {
  display: none;
}
@media (min-width: 1024px) {
  .pcfo-nav-cta {
    display: inline-flex; align-items: center;
    text-decoration: none; color: #fff;
    border: 1.5px solid rgba(255,255,255,0.8); border-radius: 6px;
    padding: 0.5rem 1.125rem; font-size: 0.875rem; font-weight: 600;
    white-space: nowrap; transition: background-color 0.25s ease, border-color 0.25s ease, color 0.25s ease;
  }
  .pcfo-nav-cta:hover { background-color: rgba(255,255,255,0.12); border-color: #fff; }
}

.pcfo-hamburger {
  display: flex; align-items: center; justify-content: center;
  background: transparent; border: none; cursor: pointer;
  color: #fff; padding: 0.25rem;
}
@media (min-width: 1024px) { .pcfo-hamburger { display: none; } }

/* Drawer */
.pcfo-drawer-backdrop {
  position: fixed; inset: 0; background: rgba(0,0,0,0.55);
  z-index: 9999; animation: navFadeIn 0.25s ease;
  display: none;
}
.pcfo-drawer-backdrop.open { display: block; }

.pcfo-drawer {
  position: fixed; top: 0; right: 0; bottom: 0;
  width: 320px; max-width: 88vw;
  background: #fff; z-index: 10000;
  display: flex; flex-direction: column;
  overflow-y: auto; transform: translateX(100%);
  transition: transform 0.3s ease;
  box-shadow: -4px 0 24px rgba(0,0,20,0.15);
}
.pcfo-drawer.open { transform: translateX(0); }
@media (min-width: 1024px) { .pcfo-drawer { display: none !important; } }

.pcfo-drawer-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid rgba(0,0,0,0.08);
}
.pcfo-drawer-logo img { width: 140px; height: auto; }
.pcfo-drawer-close {
  width: 38px; height: 38px; border-radius: 50%;
  background: rgba(0,0,0,0.06); border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  color: #111; transition: background 0.25s, color 0.25s, transform 0.25s;
}
.pcfo-drawer-close:hover { background: rgba(0,48,104,0.1); color: var(--cfo-deep-blue); transform: rotate(90deg); }

.pcfo-drawer-content { flex: 1; padding: 1.5rem 1.75rem 2.5rem; display: flex; flex-direction: column; }
.pcfo-drawer-nav { margin: 0 0 2rem; }
.pcfo-drawer-nav li { border-bottom: 1px solid rgba(0,0,0,0.07); }
.pcfo-drawer-nav li:last-child { border-bottom: none; }
.pcfo-drawer-nav a {
  display: block; text-decoration: none; color: #111;
  font-size: 1.0625rem; font-weight: 500; padding: 0.875rem 0;
  transition: color 0.2s ease;
}
.pcfo-drawer-nav a:hover { color: var(--cfo-light-blue); }
.pcfo-drawer-nav a.active { color: var(--cfo-deep-blue); font-weight: 700; }
.pcfo-drawer-cta {
  display: inline-flex; align-items: center; justify-content: center;
  text-decoration: none; background: var(--cfo-deep-blue); color: #fff;
  border-radius: 8px; padding: 0.875rem 1.5rem; font-size: 0.9375rem; font-weight: 600;
  text-align: center; transition: background 0.25s, transform 0.2s; margin-top: auto;
}
.pcfo-drawer-cta:hover { background: var(--cfo-light-blue); transform: translateY(-1px); }

/* ═══════════════════════════════════════════
   HERO — HOME
═══════════════════════════════════════════ */
.hero-home {
  position: relative; min-height: 100vh; width: 100%;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center; text-align: center;
  background: radial-gradient(ellipse at 60% 40%, #0a4fa8 0%, #003068 45%, #010d1f 100%);
  overflow: hidden;
  padding: calc(64px + 2.5rem) 1.5rem 4rem;
}
@media (min-width: 480px) { .hero-home { padding: calc(72px + 2.5rem) 2rem 4rem; } }
@media (min-width: 768px) { .hero-home { padding: calc(72px + 3.5rem) 3rem 5rem; } }
@media (min-width: 1024px) { .hero-home { padding: calc(72px + 4rem) 4rem 6rem; } }

.hero-home::before {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 60px 60px;
  animation: gridDrift 25s linear infinite;
  pointer-events: none; z-index: 0;
}
.hero-home::after {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 30% 70%, rgba(0,95,206,0.28) 0%, transparent 60%);
  pointer-events: none; animation: gradientPulse 8s ease-in-out infinite;
}

.hero-orb-1 {
  position: absolute; top: -10%; right: -8%;
  width: clamp(160px,45vw,600px); height: clamp(160px,45vw,600px);
  border-radius: 50%;
  background: radial-gradient(circle, rgba(10,79,168,0.55) 0%, transparent 70%);
  filter: blur(60px); pointer-events: none;
  animation: orbFloat1 22s ease-in-out infinite;
}
.hero-orb-2 {
  position: absolute; bottom: -15%; left: -10%;
  width: clamp(140px,40vw,560px); height: clamp(140px,40vw,560px);
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,95,206,0.4) 0%, transparent 70%);
  filter: blur(70px); pointer-events: none;
  animation: orbFloat2 26s ease-in-out infinite;
}

.hero-home-content {
  position: relative; z-index: 1;
  display: flex; flex-direction: column; align-items: center;
  width: 100%; max-width: 800px; margin-inline: auto;
}
.hero-eyebrow {
  font-size: 0.5625rem; font-weight: 600;
  letter-spacing: 0.06em; text-transform: uppercase;
  color: rgba(255,255,255,0.5); margin: 0 0 0.75rem;
  opacity: 0;
}
@media (min-width: 480px) { .hero-eyebrow { font-size: 0.6875rem; letter-spacing: 0.1em; margin: 0 0 1rem; } }
@media (min-width: 768px) { .hero-eyebrow { font-size: 0.75rem; letter-spacing: 0.14em; margin: 0 0 1.25rem; } }

.hero-headline {
  font-size: clamp(1.375rem,6.5vw,2rem); font-weight: 700;
  color: #fff; line-height: 1.2; margin: 0 0 0.875rem; opacity: 0;
}
@media (min-width: 480px) { .hero-headline { font-size: clamp(1.75rem,6vw,3rem); margin: 0 0 1.25rem; } }
@media (min-width: 768px) { .hero-headline { font-size: clamp(2.5rem,5vw,3.75rem); max-width: 760px; } }

.hero-subtext {
  font-size: 0.8125rem; color: rgba(255,255,255,0.7);
  max-width: 100%; margin: 0 0 1.75rem; line-height: 1.6; opacity: 0;
}
@media (min-width: 480px) { .hero-subtext { font-size: 0.9375rem; max-width: 480px; margin: 0 0 2.25rem; } }
@media (min-width: 768px) { .hero-subtext { font-size: 1.0625rem; max-width: 520px; } }
@media (min-width: 1024px) { .hero-subtext { font-size: 1.125rem; } }

.hero-actions {
  display: flex; flex-direction: column; gap: 0.75rem;
  width: 100%; align-items: stretch; opacity: 0;
}
@media (min-width: 480px) {
  .hero-actions { flex-direction: row; flex-wrap: wrap; justify-content: center; width: auto; gap: 1rem; align-items: center; }
}

.hero-btn-primary {
  position: relative; overflow: hidden; text-decoration: none;
  background: #fff; color: var(--cfo-deep-blue);
  font-weight: 700; font-size: 0.8125rem;
  padding: 0.75rem 1.25rem; border-radius: 8px; text-align: center;
  transition: background 0.25s ease, transform 0.2s ease, box-shadow 0.25s ease;
}
@media (min-width: 480px) { .hero-btn-primary { font-size: 0.9375rem; padding: 0.875rem 1.75rem; } }
.hero-btn-primary::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(105deg, transparent 40%, rgba(255,255,255,0.55) 50%, transparent 60%);
  background-size: 200% 100%; background-position: -200% center;
  pointer-events: none;
}
.hero-btn-primary:hover {
  background: rgba(255,255,255,0.92); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.25);
}
.hero-btn-primary:hover::after { animation: shimmerBtn 0.65s ease forwards; }

.hero-btn-secondary {
  text-decoration: none; background: transparent; color: #fff;
  font-weight: 600; font-size: 0.8125rem;
  padding: 0.75rem 1.25rem; border-radius: 8px;
  border: 1.5px solid rgba(255,255,255,0.45); text-align: center;
  transition: background 0.25s, border-color 0.25s, transform 0.2s, box-shadow 0.25s;
}
@media (min-width: 480px) { .hero-btn-secondary { font-size: 0.9375rem; padding: 0.875rem 1.75rem; border-color: rgba(255,255,255,0.55); } }
.hero-btn-secondary:hover { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.9); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.2); }

.hero-scroll-btn {
  position: absolute; bottom: 1.5rem; left: 50%; transform: translateX(-50%);
  color: rgba(255,255,255,0.4); opacity: 0;
  background: none; border: none; padding: 0.5rem;
  cursor: pointer; border-radius: 50%; transition: color 0.2s ease; z-index: 1;
}
.hero-scroll-btn:hover { color: rgba(255,255,255,0.8); }
@media (min-width: 768px) { .hero-scroll-btn { bottom: 2.5rem; } }

/* Visible state fires animations */
.hero-home.visible .hero-eyebrow  { animation: fadeInUp 0.70s ease forwards 0.15s; }
.hero-home.visible .hero-headline { animation: fadeInUp 0.75s ease forwards 0.35s; }
.hero-home.visible .hero-subtext  { animation: fadeInUp 0.75s ease forwards 0.55s; }
.hero-home.visible .hero-actions  { animation: fadeInUp 0.75s ease forwards 0.75s; }
.hero-home.visible .hero-scroll-btn { animation: fadeIn 0.5s ease forwards 1.2s, bounce 2.2s ease-in-out infinite 1.7s; }

/* ═══════════════════════════════════════════
   THE REAL PROBLEM
═══════════════════════════════════════════ */
.real-problem {
  background: #fff; padding: 4rem 1.25rem;
}
@media (min-width: 480px) { .real-problem { padding: 5rem 2rem; } }
@media (min-width: 768px) { .real-problem { padding: 6rem 3rem; } }
@media (min-width: 1024px) { .real-problem { padding: 7rem 4rem; } }

.real-problem-inner {
  max-width: var(--max-width); margin-inline: auto;
  display: grid; grid-template-columns: 1fr; gap: 2rem;
}
@media (min-width: 768px) { .real-problem-inner { grid-template-columns: 200px 1fr; gap: 3rem; } }
@media (min-width: 1024px) { .real-problem-inner { grid-template-columns: 240px 1fr; gap: 4rem; } }

.rp-label {
  font-size: 0.6875rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--cfo-light-blue);
  opacity: 0; transform: translateX(-20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.real-problem.visible .rp-label { opacity: 1; transform: translateX(0); }

.rp-headline {
  font-size: clamp(1.5rem,3.5vw,2.25rem); font-weight: 700;
  color: var(--cfo-deep-blue); line-height: 1.25; margin: 0; max-width: 560px;
  opacity: 0; transform: translateY(24px);
  transition: opacity 0.65s ease 0.1s, transform 0.65s ease 0.1s;
}
.real-problem.visible .rp-headline { opacity: 1; transform: translateY(0); }

.rp-pain-list {
  padding: 0 0 0 1.25rem; display: flex; flex-direction: column;
  gap: 0.625rem; position: relative;
}
.rp-pain-list::before {
  content: ''; position: absolute; left: 0; top: 0; bottom: 0;
  width: 3px; border-radius: 2px;
  background: linear-gradient(to bottom, var(--cfo-deep-blue), var(--cfo-light-blue));
}
.rp-pain-item {
  font-size: 0.9375rem; color: #444; line-height: 1.6;
  opacity: 0; transform: translateX(-16px);
  transition: opacity 0.5s ease, transform 0.5s ease, color 0.2s ease;
}
.real-problem.visible .rp-pain-item { opacity: 1; transform: translateX(0); }

.rp-stat-card {
  background: var(--cfo-light-pink); border-radius: 16px;
  padding: 2.25rem 2rem; display: flex; flex-direction: column;
  align-items: center; gap: 1.25rem; text-align: center;
  max-width: 640px; width: 70%; margin: 0 auto;
  opacity: 0; transform: translateY(20px) scale(0.97);
  transition: opacity 0.65s ease 0.7s, transform 0.65s ease 0.7s;
}
@media (min-width: 1024px) { .rp-stat-card { position: relative; left: -10%; } }
.real-problem.visible .rp-stat-card { opacity: 1; transform: translateY(0) scale(1); }

.rp-stat-row { display: flex; align-items: center; gap: 1.5rem; }
@media (min-width: 480px) { .rp-stat-row { gap: 2rem; } }
.rp-stat { display: flex; flex-direction: column; align-items: center; gap: 0.25rem; }
.rp-stat-number {
  font-size: clamp(2.25rem,7vw,3.5rem); font-weight: 800;
  color: #123b71; line-height: 1; font-variant-numeric: tabular-nums;
}
.rp-stat-number-loss { color: #123b71; }
.rp-stat-label { font-size: 0.625rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: #888; }
.rp-stat-label-loss { color: #5f7eaa; }
.rp-stat-arrow { color: #5f7eaa; flex-shrink: 0; }
.rp-loss-pill {
  background: #184a8c; color: #fff; font-size: 0.8125rem; font-weight: 700;
  letter-spacing: 0.04em; padding: 0.5rem 1.25rem; border-radius: 999px; text-transform: uppercase;
}
.rp-footnote { font-size: 0.8125rem; color: #6f86a8; line-height: 1.65; margin: 0; }
.rp-footnote strong { display: block; font-weight: 700; color: #184a8c; }

/* ═══════════════════════════════════════════
   WHAT MOST BROKERS DO
═══════════════════════════════════════════ */
.brokers-section { background: var(--page-bg); padding: 5rem 1.25rem; }
@media (min-width: 768px) { .brokers-section { padding: 7rem 2rem; } }
@media (min-width: 1024px) { .brokers-section { padding: 8rem 4rem; } }

.brokers-inner { max-width: var(--max-width); margin: 0 auto; display: grid; grid-template-columns: 1fr; gap: 4rem; }
@media (min-width: 1024px) { .brokers-inner { grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; } }

.brokers-headline {
  font-size: clamp(1.6rem,3.5vw,2.5rem); font-weight: 700;
  color: var(--cfo-deep-blue); line-height: 1.15; margin: 0 0 1rem;
  opacity: 0; transform: translateY(20px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.brokers-headline-sub { display: block; font-size: 0.7em; color: var(--cfo-grey); font-weight: 500; margin-top: 0.3rem; }
.brokers-section.visible .brokers-headline { opacity: 1; transform: translateY(0); }

.brokers-intro { font-size: 1rem; color: #555; margin: 0 0 1.25rem; opacity: 0; transition: opacity 0.5s ease 0.15s; }
.brokers-section.visible .brokers-intro { opacity: 1; }

.brokers-list { display: flex; flex-direction: column; gap: 0.75rem; }
.brokers-item {
  display: flex; align-items: center; gap: 0.75rem;
  font-size: 0.9375rem; color: #444; line-height: 1.5;
  opacity: 0; transform: translateX(-14px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.brokers-bullet {
  width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0;
  background: var(--cfo-light-blue);
}
.brokers-section.visible .brokers-item { opacity: 1; transform: translateX(0); }

/* SVG Arc diagram */
.brokers-arc-wrap { position: relative; }
.brokers-arc-svg { width: 100%; height: auto; overflow: visible; }

/* ═══════════════════════════════════════════
   HOW PROPERTY CFO APPROACHES CAPITAL
═══════════════════════════════════════════ */
.how-section { background: var(--cfo-deep-blue); padding: 5rem 1.25rem; }
@media (min-width: 768px) { .how-section { padding: 7rem 2rem; } }

.how-inner { max-width: var(--max-width); margin: 0 auto; }
.how-header { text-align: center; margin-bottom: 3rem; }
.how-kicker { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(255,255,255,0.5); margin: 0 0 0.75rem; }
.how-headline { font-size: clamp(1.6rem,3.5vw,2.5rem); font-weight: 700; color: #fff; margin: 0; line-height: 1.15; opacity: 0; transform: translateY(20px); transition: opacity 0.65s ease, transform 0.65s ease; }
.how-section.visible .how-headline { opacity: 1; transform: translateY(0); }

.how-grid { display: grid; grid-template-columns: 1fr; gap: 1.5rem; }
@media (min-width: 640px) { .how-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .how-grid { grid-template-columns: repeat(3, 1fr); } }

.how-card {
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px; padding: 1.75rem;
  opacity: 0; transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.how-section.visible .how-card { opacity: 1; transform: translateY(0); }
.how-card-num { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: rgba(255,255,255,0.4); margin: 0 0 0.75rem; }
.how-card h3 { font-size: 1rem; font-weight: 700; color: #fff; margin: 0 0 0.75rem; }
.how-card p { font-size: 0.875rem; color: rgba(255,255,255,0.7); line-height: 1.65; margin: 0; }

/* ═══════════════════════════════════════════
   WHO IS CAPITAL CFO FOR
═══════════════════════════════════════════ */
.who-section { background: #fff; padding: 5rem 1.25rem; }
@media (min-width: 768px) { .who-section { padding: 7rem 2rem; } }
@media (min-width: 1024px) { .who-section { padding: 8rem 4rem; } }

.who-inner { max-width: var(--max-width); margin: 0 auto; }
.who-header { text-align: center; margin-bottom: 3rem; }
.who-label { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--cfo-light-blue); margin: 0 0 0.75rem; opacity: 0; transition: opacity 0.6s ease; }
.who-headline { font-size: clamp(1.5rem,3.5vw,2.25rem); font-weight: 700; color: var(--cfo-deep-blue); margin: 0; opacity: 0; transform: translateY(20px); transition: opacity 0.65s ease 0.1s, transform 0.65s ease 0.1s; }
.who-section.visible .who-label { opacity: 1; }
.who-section.visible .who-headline { opacity: 1; transform: translateY(0); }

.who-grid { display: grid; grid-template-columns: 1fr; gap: 1.5rem; }
@media (min-width: 640px) { .who-grid { grid-template-columns: 1fr 1fr; } }

.who-card {
  border: 1px solid rgba(0,48,104,0.1); border-radius: 12px;
  padding: 1.75rem; background: #fff;
  opacity: 0; transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease, box-shadow 0.2s ease;
}
.who-card:hover { box-shadow: 0 8px 24px rgba(0,48,104,0.1); }
.who-section.visible .who-card { opacity: 1; transform: translateY(0); }
.who-card-icon { width: 40px; height: 40px; border-radius: 10px; background: rgba(0,95,206,0.08); display: flex; align-items: center; justify-content: center; color: var(--cfo-light-blue); margin-bottom: 1rem; }
.who-card h3 { font-size: 1.125rem; font-weight: 700; color: var(--cfo-deep-blue); margin: 0 0 0.25rem; }
.who-card-sub { font-size: 0.75rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--cfo-light-blue); margin: 0 0 0.75rem; }
.who-card p { font-size: 0.875rem; color: #555; line-height: 1.65; margin: 0; }

/* ═══════════════════════════════════════════
   CFO APPROACH
═══════════════════════════════════════════ */
.cfo-approach-section { position: relative; background: var(--page-bg); padding: 5rem 1.25rem; overflow: hidden; }
@media (min-width: 768px) { .cfo-approach-section { padding: 7rem 2rem; } }

.cfo-approach-watermark {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  font-size: clamp(3rem,8vw,7rem); font-weight: 800; white-space: nowrap;
  color: rgba(0,48,104,0.04); pointer-events: none; z-index: 0; letter-spacing: 0.05em;
}
.cfo-approach-inner { max-width: var(--max-width); margin: 0 auto; position: relative; z-index: 1; }
.cfo-approach-header { text-align: center; margin-bottom: 3.5rem; opacity: 0; transform: translateY(20px); transition: opacity 0.65s ease, transform 0.65s ease; }
.cfo-approach-section.visible .cfo-approach-header { opacity: 1; transform: translateY(0); }
.cfo-approach-kicker { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--cfo-light-blue); margin: 0 0 0.75rem; }
.cfo-approach-header h2 { font-size: clamp(1.5rem,3.5vw,2.25rem); font-weight: 700; color: var(--cfo-deep-blue); margin: 0; }

.cfo-approach-grid { display: grid; grid-template-columns: 1fr; gap: 1.5rem; }
@media (min-width: 640px) { .cfo-approach-grid { grid-template-columns: 1fr 1fr 1fr; } }

.cfo-letter-block {
  opacity: 0; transform: translateY(24px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.cfo-approach-section.visible .cfo-letter-block { opacity: 1; transform: translateY(0); }

.cfo-letter {
  font-size: clamp(3rem,6vw,5rem); font-weight: 800;
  color: var(--cfo-deep-blue); line-height: 1; margin: 0 0 0.25rem;
}
.cfo-letter-word { font-size: clamp(1.25rem,2.5vw,1.75rem); font-weight: 700; color: var(--cfo-deep-blue); margin: 0 0 0.75rem; }
.cfo-letter-desc { font-size: 0.9375rem; color: #555; line-height: 1.65; margin: 0; }

/* ═══════════════════════════════════════════
   COST OF GETTING IT WRONG
═══════════════════════════════════════════ */
.cost-section { background: #fff; padding: 5rem 1.25rem; }
@media (min-width: 768px) { .cost-section { padding: 7rem 2rem; } }

.cost-inner { max-width: var(--max-width); margin: 0 auto; }
.cost-header { text-align: center; margin-bottom: 3rem; opacity: 0; transform: translateY(20px); transition: opacity 0.65s ease, transform 0.65s ease; }
.cost-section.visible .cost-header { opacity: 1; transform: translateY(0); }
.cost-kicker { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--cfo-light-blue); margin: 0 0 0.5rem; }
.cost-headline { font-size: clamp(1.5rem,3.5vw,2.25rem); font-weight: 700; color: var(--cfo-deep-blue); margin: 0; }

.cost-grid { display: grid; grid-template-columns: 1fr; gap: 1.5rem; }
@media (min-width: 640px) { .cost-grid { grid-template-columns: 1fr 1fr; } }

.cost-card {
  background: var(--cfo-light-pink); border-radius: 16px; padding: 2rem;
  opacity: 0; transform: translateY(20px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.cost-section.visible .cost-card { opacity: 1; transform: translateY(0); }
.cost-card-label { font-size: 0.875rem; color: #6f86a8; margin: 0 0 0.75rem; line-height: 1.5; }
.cost-card-amount { font-size: clamp(2.5rem,6vw,3.5rem); font-weight: 800; color: #003068; line-height: 1; margin: 0 0 0.5rem; font-variant-numeric: tabular-nums; }
.cost-card-prefix { font-size: 0.65em; }
.cost-card-sub { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: #5f7eaa; margin: 0; }

/* ═══════════════════════════════════════════
   SUB-PAGE HEROES (Development Finance, Portfolio Finance)
═══════════════════════════════════════════ */
.page-hero {
  position: relative; min-height: 60vh;
  display: flex; align-items: center;
  background: radial-gradient(ellipse at 60% 40%, #0a4fa8 0%, #003068 45%, #010d1f 100%);
  padding: calc(72px + 3rem) 1.5rem 4rem;
  overflow: hidden;
}
@media (min-width: 768px) { .page-hero { padding: calc(72px + 4rem) 2rem 5rem; min-height: 50vh; } }

.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 60px 60px; animation: gridDrift 25s linear infinite;
  pointer-events: none; z-index: 0;
}
.page-hero-inner { position: relative; z-index: 1; max-width: var(--max-width); margin: 0 auto; width: 100%; }
.page-hero-kicker { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(255,255,255,0.55); margin: 0 0 1rem; opacity: 0; }
.page-hero-title { font-size: clamp(1.75rem,4.5vw,3rem); font-weight: 700; color: #fff; line-height: 1.15; margin: 0 0 1rem; opacity: 0; max-width: 760px; }
.page-hero-sub { font-size: clamp(0.9375rem,1.8vw,1.125rem); color: rgba(255,255,255,0.7); max-width: 520px; margin: 0 0 2rem; line-height: 1.65; opacity: 0; }
.page-hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; opacity: 0; }

.page-hero.visible .page-hero-kicker { animation: fadeInUp 0.65s ease forwards 0.1s; }
.page-hero.visible .page-hero-title  { animation: fadeInUp 0.7s ease forwards 0.25s; }
.page-hero.visible .page-hero-sub    { animation: fadeInUp 0.7s ease forwards 0.4s; }
.page-hero.visible .page-hero-actions { animation: fadeInUp 0.7s ease forwards 0.55s; }

.page-btn-primary {
  display: inline-flex; align-items: center;
  text-decoration: none; background: #fff; color: var(--cfo-deep-blue);
  font-weight: 700; font-size: 0.9375rem;
  padding: 0.875rem 1.75rem; border-radius: 8px;
  transition: background 0.25s, transform 0.2s, box-shadow 0.25s;
}
.page-btn-primary:hover { background: rgba(255,255,255,0.92); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.25); }
.page-btn-outline {
  display: inline-flex; align-items: center;
  text-decoration: none; background: transparent; color: #fff;
  font-weight: 600; font-size: 0.9375rem;
  padding: 0.875rem 1.75rem; border-radius: 8px;
  border: 1.5px solid rgba(255,255,255,0.55);
  transition: background 0.25s, border-color 0.25s, transform 0.2s;
}
.page-btn-outline:hover { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.9); transform: translateY(-2px); }

/* ═══════════════════════════════════════════
   DEVELOPMENT FINANCE — SECTIONS
═══════════════════════════════════════════ */
.dev-problem { background: #fff; padding: 4.5rem 1.25rem 0; }
@media (min-width: 768px) { .dev-problem { padding: 6rem 2rem 0; } }
.dev-problem-inner { max-width: var(--max-width); margin: 0 auto; display: grid; grid-template-columns: 1fr; gap: 1.5rem; }
@media (min-width: 768px) { .dev-problem-inner { grid-template-columns: 200px 1fr; gap: 3rem; } }
.dev-problem-label { font-size: 0.75rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--cfo-light-blue); opacity: 0; }
.dev-problem-headline, .dev-problem-lead { opacity: 0; }
.dev-problem-headline { margin: 0 0 0.8rem; font-size: clamp(1.4rem,3vw,2.2rem); color: var(--cfo-deep-blue); }
.dev-problem-lead { margin: 0 0 1.4rem; color: #556c91; font-size: clamp(0.95rem,2vw,1.2rem); line-height: 1.6; max-width: 72ch; }
.dev-problem-list { margin: 0; padding: 0 0 2rem 1.2rem; border-left: 3px solid var(--cfo-deep-blue); display: flex; flex-direction: column; gap: 0.65rem; }
.dev-problem-list li { opacity: 0; color: var(--cfo-deep-blue); transform: translateY(10px); line-height: 1.6; transition: color 0.2s ease; }
.dev-problem-banner { max-width: var(--max-width); margin: 0 auto; border-radius: 10px; padding: 1rem; background: linear-gradient(90deg, #002961 0%, #00488c 100%); color: #fff; text-align: center; font-style: italic; font-size: clamp(1rem,2.5vw,1.3rem); transform: translateY(50%); }

.dev-problem.visible .dev-problem-label { animation: fadeInUp 0.6s ease 0.05s forwards; }
.dev-problem.visible .dev-problem-headline { animation: fadeInUp 0.65s ease 0.2s forwards; }
.dev-problem.visible .dev-problem-lead { animation: fadeInUp 0.65s ease 0.32s forwards; }
.dev-problem.visible .dev-problem-list li { opacity: 1; transform: translateY(0); }

.dev-journey { background: #f3f5f8; padding: 6rem 1.25rem 5.25rem; }
@media (min-width: 768px) { .dev-journey { padding: 8.5rem 2rem 6rem; } }
.dev-journey-inner { max-width: var(--max-width); margin: 0 auto; }
.dev-journey-heading { margin-bottom: 2.8rem; opacity: 0; }
.dev-journey-kicker { margin: 0 0 0.7rem; font-size: 0.8rem; letter-spacing: 0.1em; text-transform: uppercase; color: #5f7eaa; }
.dev-journey-title { margin: 0; color: #174a8d; font-size: clamp(1.6rem,3.3vw,2.5rem); }

.dev-timeline { position: relative; display: flex; flex-direction: column; gap: 2.15rem; }
.dev-timeline-line { position: absolute; left: 19px; top: 0; bottom: 0; width: 2px; background: #1955a8; }
@media (min-width: 900px) { .dev-timeline-line { left: 50%; transform: translateX(-1px); } }
.dev-timeline-item { position: relative; display: flex; align-items: center; opacity: 0; transform: translateY(18px); transition: opacity 0.5s ease, transform 0.5s ease; }
.dev-journey.visible .dev-timeline-item { opacity: 1; transform: translateY(0); }
.dev-journey.visible .dev-journey-heading { animation: fadeInUp 0.65s ease 0.05s forwards; }
.dev-dot { z-index: 2; width: 42px; height: 42px; border-radius: 999px; border: 2px solid #214d83; background: #fff; color: #214d83; display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0; box-shadow: 0 0 0 6px #f3f5f8; font-size: 0.875rem; font-weight: 700; }
.dev-dot-amber { border-color: #f0b43c; color: #d08b00; }
.dev-dot-orange { border-color: #ff9f3e; color: #f1871d; }
.dev-dot-red { border-color: #f26f74; color: #e5545e; }
.dev-dot-navy { background: #132c50; border-color: #132c50; color: #fff; }
.dev-timeline-card { margin-left: 0.9rem; max-width: 420px; }
.dev-timeline-card h3 { margin: 0; color: #184a8c; font-size: clamp(1.3rem,1.55vw,1.75rem); line-height: 1.12; font-weight: 700; }
.dev-timeline-card p { margin: 0.55rem 0 0; color: #7188ab; line-height: 1.35; font-size: clamp(1rem,1.08vw,1.18rem); }
@media (min-width: 900px) {
  .dev-timeline-item { width: 100%; display: block; min-height: 88px; }
  .dev-dot { position: absolute; left: 50%; top: 0.1rem; transform: translateX(-50%); margin: 0; }
  .dev-timeline-item.left .dev-timeline-card { margin-left: 0; margin-right: calc(50% + 2rem); text-align: right; }
  .dev-timeline-item.right .dev-timeline-card { margin-left: calc(50% + 2rem); margin-right: 0; }
}

/* ═══════════════════════════════════════════
   PORTFOLIO FINANCE — SECTIONS
═══════════════════════════════════════════ */
.pf-real-issue { background: #fff; padding: 5rem 1.25rem; }
@media (min-width: 768px) { .pf-real-issue { padding: 7rem 2rem; } }
.pf-section-inner { max-width: var(--max-width); margin: 0 auto; }
.pf-label { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--cfo-light-blue); margin: 0 0 0.75rem; }
.pf-headline { font-size: clamp(1.5rem,3.5vw,2.25rem); font-weight: 700; color: var(--cfo-deep-blue); margin: 0 0 1.25rem; opacity: 0; transform: translateY(20px); transition: opacity 0.65s ease, transform 0.65s ease; }
.pf-real-issue.visible .pf-headline { opacity: 1; transform: translateY(0); }
.pf-issues-grid { display: grid; grid-template-columns: 1fr; gap: 1rem; }
@media (min-width: 640px) { .pf-issues-grid { grid-template-columns: 1fr 1fr; } }
.pf-issue-card { background: var(--page-bg); border-radius: 12px; padding: 1.5rem; border-left: 3px solid var(--cfo-light-blue); opacity: 0; transform: translateY(16px); transition: opacity 0.5s ease, transform 0.5s ease; }
.pf-real-issue.visible .pf-issue-card { opacity: 1; transform: translateY(0); }
.pf-issue-card h3 { font-size: 1rem; font-weight: 700; color: var(--cfo-deep-blue); margin: 0 0 0.5rem; }
.pf-issue-card p { font-size: 0.875rem; color: #555; line-height: 1.6; margin: 0; }

.pf-strategy { background: var(--page-bg); padding: 5rem 1.25rem; }
@media (min-width: 768px) { .pf-strategy { padding: 7rem 2rem; } }
.pf-strategy-steps { display: flex; flex-direction: column; gap: 1.5rem; margin-top: 2rem; }
.pf-step { display: flex; gap: 1.25rem; align-items: flex-start; opacity: 0; transform: translateY(16px); transition: opacity 0.5s ease, transform 0.5s ease; }
.pf-strategy.visible .pf-step { opacity: 1; transform: translateY(0); }
.pf-step-num { width: 36px; height: 36px; border-radius: 50%; background: var(--cfo-deep-blue); color: #fff; display: flex; align-items: center; justify-content: center; font-size: 0.875rem; font-weight: 700; flex-shrink: 0; }
.pf-step-body h3 { font-size: 1.0625rem; font-weight: 700; color: var(--cfo-deep-blue); margin: 0 0 0.4rem; }
.pf-step-body p { font-size: 0.875rem; color: #555; line-height: 1.65; margin: 0; }

.pf-mid-cta { background: var(--cfo-deep-blue); padding: 4rem 1.25rem; text-align: center; }
.pf-mid-cta h2 { font-size: clamp(1.5rem,3vw,2.25rem); font-weight: 700; color: #fff; margin: 0 0 1rem; }
.pf-mid-cta p { font-size: 1rem; color: rgba(255,255,255,0.7); max-width: 560px; margin: 0 auto 2rem; line-height: 1.65; }

/* ═══════════════════════════════════════════
   CONTACT PAGE — QUALIFICATION FORM
═══════════════════════════════════════════ */
.contact-main { background: #f3f4f6; }
.contact-hero { background: radial-gradient(ellipse at 60% 40%, #0a4fa8 0%, #003068 45%, #010d1f 100%); padding: calc(72px + 3rem) 1.5rem 4rem; }
.contact-hero-inner { max-width: var(--max-width); margin: 0 auto; }
.contact-hero-kicker { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(255,255,255,0.5); margin: 0 0 0.75rem; }
.contact-hero-title { font-size: clamp(1.75rem,4vw,3rem); font-weight: 700; color: #fff; margin: 0 0 0.75rem; }
.contact-hero-sub { font-size: clamp(0.9375rem,1.8vw,1.125rem); color: rgba(255,255,255,0.7); max-width: 560px; line-height: 1.6; margin: 0; }

.contact-statement { padding: 1rem 1.25rem 3.75rem; }
.contact-statement-band { max-width: var(--max-width); margin: 0 auto; border-radius: 10px; background: linear-gradient(90deg, #002961 46%, #00488c 100%); color: #fff; text-align: center; padding: 2rem 1.5rem; }
.contact-statement-band p { margin: 0; font-size: clamp(1rem,2vw,1.2rem); line-height: 1.6; }

.contact-agenda { padding: 3.75rem 1.25rem 4rem; }
.contact-agenda-inner { max-width: var(--max-width); margin: 0 auto; }
.contact-agenda-kicker { margin: 0 0 0.4rem; text-transform: uppercase; text-align: center; letter-spacing: 0.1em; font-size: 0.72rem; color: #3b6ea8; }
.contact-agenda-title { margin: 0 0 2rem; text-align: center; color: #003068; font-size: clamp(1.8rem,3vw,2.4rem); font-weight: 600; }
.contact-agenda-grid { display: grid; grid-template-columns: 1fr; gap: 1rem; }
@media (min-width: 900px) { .contact-agenda-grid { grid-template-columns: 1fr 1fr; gap: 1.5rem 2rem; } }
.contact-agenda-card { display: flex; align-items: flex-start; gap: 0.9rem; padding: 1.25rem 1.3rem; border-radius: 12px; background: #fff; border: 1px solid rgba(229,231,235,0.8); box-shadow: 0 10px 15px -3px rgba(229,231,235,0.4); }
.contact-agenda-card.wide { grid-column: 1 / -1; max-width: 66%; margin: 0 auto; }
.contact-agenda-badge { width: 42px; height: 42px; border-radius: 14px; flex-shrink: 0; display: inline-flex; align-items: center; justify-content: center; background: linear-gradient(180deg, #003068 0%, #00408a 100%); color: #fff; font-size: 1rem; font-weight: 700; }
.contact-agenda-card h3 { margin: 0 0 0.25rem; color: #003068; font-size: 1.25rem; }
.contact-agenda-card p { margin: 0; color: #4a5565; font-size: 0.95rem; line-height: 1.6; }

.qualification-form-section { padding: 1.5rem 1.25rem 7rem; }
.qualification-form-inner { max-width: var(--max-width); margin: 0 auto; display: grid; grid-template-columns: 1fr; gap: 2rem; }
@media (min-width: 1080px) { .qualification-form-inner { grid-template-columns: 0.85fr 1.15fr; gap: 2.25rem; align-items: start; } }

.qf-left h2 { margin: 0 0 0.9rem; color: #003068; font-size: clamp(1.9rem,2.8vw,3rem); line-height: 1.1; font-weight: 500; }
.qf-kicker { margin: 0 0 0.45rem; text-transform: uppercase; letter-spacing: 0.1em; font-size: 0.74rem; color: #3b6ea8; }
.qf-subtitle { margin: 0; color: #4a5565; font-size: clamp(1rem,1.8vw,1.55rem); line-height: 1.3; max-width: 28ch; font-weight: 300; }

.qf-card { background: #fff; border: 1px solid #f1f5f9; border-radius: 12px; box-shadow: 0 20px 25px -5px rgba(0,0,0,0.1), 0 8px 10px -6px rgba(0,0,0,0.1); padding: 2rem 1.5rem; }
@media (min-width: 768px) { .qf-card { padding: 2.1rem 2rem; } }

.pcfo-form { display: flex; flex-direction: column; gap: 1.15rem; }
.pcfo-form-row { display: grid; grid-template-columns: 1fr; gap: 1rem; }
@media (min-width: 640px) { .pcfo-form-row { grid-template-columns: 1fr 1fr; gap: 1.2rem; } }
.pcfo-form label { display: flex; flex-direction: column; gap: 0.45rem; color: #003068; font-size: 0.875rem; font-weight: 700; }
.pcfo-form input, .pcfo-form select, .pcfo-form textarea {
  border: 1px solid #e2e8f0; border-radius: 8px; background: #f8fafc;
  padding: 0.78rem 0.95rem; font-size: 0.98rem; color: #0f172a; font-family: inherit;
  outline: none; transition: border-color 0.2s;
}
.pcfo-form input:focus, .pcfo-form select:focus, .pcfo-form textarea:focus { border-color: var(--cfo-light-blue); box-shadow: 0 0 0 3px rgba(0,95,206,0.1); }
.pcfo-form textarea { min-height: 122px; resize: vertical; }
.pcfo-form-submit {
  margin: 0.45rem auto 0; min-width: 300px; border: 0; border-radius: 8px;
  background: #003068; color: #fff; font-size: 1.05rem; font-weight: 700;
  padding: 1rem 1.4rem; cursor: pointer; font-family: inherit;
  transition: background 0.2s, transform 0.2s;
}
.pcfo-form-submit:hover { background: #005fce; transform: translateY(-1px); }
.pcfo-form-submit:disabled { opacity: 0.7; cursor: not-allowed; transform: none; }
.pcfo-form-message { margin: 0.3rem 0 0; text-align: center; font-size: 0.9rem; color: #184a8c; }

/* ═══════════════════════════════════════════
   CONTACT US PAGE
═══════════════════════════════════════════ */
.contact-us-main { background: #fff; }
.contact-us-hero { padding: 8rem 1.25rem 5.25rem; background: radial-gradient(circle at 15% 22%, rgba(0,95,206,0.09), transparent 48%), radial-gradient(circle at 92% 82%, rgba(0,48,104,0.08), transparent 43%), #f7fafc; }
.contact-us-hero-inner { max-width: 920px; margin: 0 auto; text-align: center; }
.contact-us-hero-inner h1 { margin: 0 0 0.9rem; color: #003068; font-size: clamp(2rem,5vw,3.25rem); line-height: 1.08; }
.contact-us-hero-inner p { margin: 0 auto; color: #4f647f; max-width: 760px; font-size: clamp(1rem,1.6vw,1.25rem); line-height: 1.55; }

.contact-us-form-section { background: #f4f5f7; padding: 4.5rem 1.25rem 6rem; }
.contact-us-form-grid { max-width: var(--max-width); margin: 0 auto; display: grid; grid-template-columns: 1fr; gap: 1.5rem; }
@media (min-width: 980px) { .contact-us-form-grid { grid-template-columns: 0.9fr 1.35fr; gap: 0; align-items: stretch; } }

.contact-us-info { background: linear-gradient(160deg, #0d2d65, #2453a8); color: #fff; border-radius: 14px; padding: 2rem 1.6rem; }
@media (min-width: 980px) { .contact-us-info { border-radius: 14px 0 0 14px; margin-right: -12px; z-index: 1; position: relative; } }
.contact-us-info h2 { margin: 0 0 0.9rem; font-size: 1.75rem; }
.contact-us-info > p { margin: 0 0 1.5rem; color: rgba(255,255,255,0.86); line-height: 1.5; }
.contact-us-info ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 1rem; }
.contact-us-info li span { display: block; margin-bottom: 0.15rem; font-size: 0.75rem; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.72); }
.contact-us-info li p, .contact-us-info li a { margin: 0; color: #fff; text-decoration: none; font-weight: 600; }

.contact-us-form-panel { background: #fff; border-radius: 14px; padding: 1.9rem 1.35rem; box-shadow: 0 16px 35px -28px rgba(2,12,28,0.45); }
@media (min-width: 980px) { .contact-us-form-panel { border-radius: 14px; padding: 2rem 1.8rem; } }
.contact-us-form-panel h3 { margin: 0 0 1rem; color: #2d4872; font-size: 1.35rem; }
.contact-us-form-panel form { display: grid; gap: 0.9rem; }
.contact-us-form-panel label { display: grid; gap: 0.45rem; color: #5a7092; text-transform: uppercase; letter-spacing: 0.06em; font-size: 0.72rem; font-weight: 700; }
.contact-us-form-panel input, .contact-us-form-panel textarea { background: #f8fafc; border: 1px solid #dce3ee; border-radius: 8px; color: #0f2749; font-family: inherit; font-size: 0.95rem; padding: 0.8rem 0.9rem; outline: none; width: 100%; transition: border-color 0.2s; }
.contact-us-form-panel input:focus, .contact-us-form-panel textarea:focus { border-color: var(--cfo-light-blue); }
.contact-us-form-panel textarea { min-height: 130px; resize: vertical; }
.contact-us-form-panel button { margin-top: 0.35rem; border: 0; border-radius: 8px; background: #123b71; color: #fff; padding: 0.85rem 1rem; font-weight: 700; font-size: 0.95rem; cursor: pointer; font-family: inherit; width: 100%; transition: background 0.2s; }
.contact-us-form-panel button:hover { background: #0d2c55; }
.contact-us-form-panel button:disabled { opacity: 0.7; cursor: not-allowed; }
.cu-form-row { display: grid; grid-template-columns: 1fr; gap: 0.9rem; }
@media (min-width: 640px) { .cu-form-row { grid-template-columns: 1fr 1fr; } }
.cu-form-message { margin: 0; color: #184a8c; font-size: 0.9rem; }

/* ═══════════════════════════════════════════
   SUBMISSION RECEIVED
═══════════════════════════════════════════ */
.submission-page { min-height: 100vh; display: flex; align-items: center; justify-content: center; background: var(--page-bg); padding: 5rem 1.5rem; }
.submission-inner { max-width: 600px; text-align: center; }
.submission-icon { width: 64px; height: 64px; border-radius: 50%; background: rgba(0,95,206,0.1); display: flex; align-items: center; justify-content: center; margin: 0 auto 1.5rem; }
.submission-inner h1 { font-size: clamp(1.75rem,4vw,2.5rem); font-weight: 700; color: var(--cfo-deep-blue); margin: 0 0 1rem; }
.submission-inner p { font-size: 1rem; color: #555; line-height: 1.65; margin: 0 0 2rem; }
.submission-back { display: inline-flex; align-items: center; text-decoration: none; background: var(--cfo-deep-blue); color: #fff; border-radius: 8px; padding: 0.875rem 1.75rem; font-weight: 600; transition: background 0.2s; }
.submission-back:hover { background: var(--cfo-light-blue); }

/* ═══════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════ */
.pcfo-footer { display: flex; flex-direction: column; }

.footer-cta-band { position: relative; overflow: hidden; background: #07122d; min-height: 480px; display: flex; align-items: center; }
@media (min-width: 768px) { .footer-cta-band { min-height: 560px; } }
@media (min-width: 1024px) { .footer-cta-band { min-height: 620px; } }

.footer-cta-img-wrap { position: absolute; inset: 0; }
.footer-cta-img { width: 100%; height: 100%; object-fit: cover; object-position: 60% 40%; opacity: 0; animation: imgReveal 1.2s cubic-bezier(0.22,1,0.36,1) 0.2s forwards; }
.footer-cta-mask {
  position: absolute; inset: 0;
  background: linear-gradient(to right, #07122d 0%, #07122d 20%, rgba(0,32,90,0.78) 42%, rgba(0,40,110,0.55) 65%, rgba(0,48,130,0.45) 100%);
}
@media (max-width: 639px) { .footer-cta-mask { background: linear-gradient(to bottom, rgba(7,18,45,0.82) 0%, rgba(7,18,45,0.65) 100%); } }

.footer-cta-band-inner { position: relative; z-index: 1; width: 100%; max-width: var(--max-width); margin: 0 auto; padding: 3rem 1.25rem; }
@media (min-width: 768px) { .footer-cta-band-inner { padding: 3.5rem 2rem; } }
@media (min-width: 1024px) { .footer-cta-band-inner { padding: 4rem 2rem; } }

.footer-cta-content { max-width: 500px; display: flex; flex-direction: column; gap: 1.2rem; }
.footer-cta-content .footer-cta-headline,
.footer-cta-content .footer-cta-sub,
.footer-cta-content .footer-cta-actions { opacity: 0; }
.footer-cta-content.visible .footer-cta-headline { animation: fadeUp 0.65s cubic-bezier(0.22,1,0.36,1) 0.05s forwards; }
.footer-cta-content.visible .footer-cta-sub     { animation: fadeUp 0.65s cubic-bezier(0.22,1,0.36,1) 0.2s forwards; }
.footer-cta-content.visible .footer-cta-actions { animation: fadeUp 0.65s cubic-bezier(0.22,1,0.36,1) 0.35s forwards; }

.footer-cta-headline { margin: 0; font-size: clamp(1.45rem,3.2vw,2.15rem); font-weight: 700; color: #fff; line-height: 1.25; }
.footer-cta-sub { margin: 0; font-size: clamp(0.82rem,1.4vw,0.95rem); color: rgba(255,255,255,0.7); line-height: 1.65; max-width: 44ch; }
.footer-cta-actions { display: flex; flex-direction: column; gap: 0.65rem; margin-top: 0.35rem; }
@media (min-width: 480px) { .footer-cta-actions { flex-direction: row; flex-wrap: wrap; } }

.footer-btn-primary { display: inline-block; padding: 0.72rem 1.45rem; border-radius: 5px; background: #fff; color: #07122d; font-size: 0.875rem; font-weight: 700; text-decoration: none; text-align: center; transition: background 0.18s, transform 0.15s; }
.footer-btn-primary:hover { background: rgba(255,255,255,0.88); transform: translateY(-1px); }
.footer-btn-outline { display: inline-block; padding: 0.72rem 1.45rem; border-radius: 5px; border: 1.5px solid rgba(255,255,255,0.5); color: #fff; font-size: 0.875rem; font-weight: 600; text-decoration: none; text-align: center; transition: border-color 0.18s, background 0.18s, transform 0.15s; }
.footer-btn-outline:hover { border-color: #fff; background: rgba(255,255,255,0.1); transform: translateY(-1px); }

.footer-cols-zone { background: linear-gradient(135deg, var(--cfo-deep-blue) 0%, var(--cfo-light-blue) 100%); color: #fff; }
.footer-cols-inner { max-width: var(--max-width); margin: 0 auto; padding: 3rem 1.25rem 2.5rem; display: grid; grid-template-columns: 1fr; gap: 2rem; }
@media (min-width: 480px) { .footer-cols-inner { grid-template-columns: 1fr 1fr; gap: 2rem 2.5rem; } }
@media (min-width: 1024px) { .footer-cols-inner { grid-template-columns: 2fr 1fr 1fr 1.6fr; column-gap: 3rem; row-gap: 0; padding: 4rem 2rem 3.5rem; } }

.footer-cols-inner > * { opacity: 0; }
.footer-cols-inner.visible > * { animation: colFadeUp 0.6s cubic-bezier(0.22,1,0.36,1) calc(0.05s + var(--col-i, 0) * 0.12s) forwards; }

.footer-brand { display: flex; flex-direction: column; gap: 0.7rem; }
@media (min-width: 480px) and (max-width: 1023px) { .footer-brand { grid-column: 1 / -1; } }
.footer-brand-name { margin: 0; font-size: 1.05rem; font-weight: 700; color: #fff; }
.footer-brand-tagline { margin: 0; font-size: 0.82rem; color: rgba(255,255,255,0.62); line-height: 1.6; max-width: 26ch; }
.footer-col { display: flex; flex-direction: column; gap: 0.9rem; }
.footer-col-heading { margin: 0; font-size: 0.68rem; font-weight: 700; letter-spacing: 0.13em; text-transform: uppercase; color: rgba(255,255,255,0.48); }
.footer-col-list { display: flex; flex-direction: column; gap: 0.55rem; }
.footer-col-link { font-size: 0.875rem; color: rgba(255,255,255,0.82); text-decoration: none; transition: color 0.15s; }
.footer-col-link:hover { color: #fff; }
.footer-col-plain { font-size: 0.875rem; color: rgba(255,255,255,0.82); }
.footer-contact-note { margin: 0; font-size: 0.75rem; color: rgba(255,255,255,0.42); line-height: 1.55; }
.footer-cta-col { display: flex; flex-direction: column; gap: 1.1rem; }
.footer-cta-col-heading { margin: 0; font-size: 0.9rem; font-weight: 600; color: #fff; line-height: 1.45; max-width: 28ch; }
.footer-cta-col-btn { display: inline-block; align-self: flex-start; flex-shrink: 0; padding: 0.65rem 1.35rem; border-radius: 5px; background: #fff; color: var(--cfo-deep-blue); font-size: 0.875rem; font-weight: 700; text-decoration: none; white-space: nowrap; transition: background 0.18s, transform 0.15s; }
.footer-cta-col-btn:hover { background: rgba(255,255,255,0.9); transform: translateY(-1px); }

.footer-bottom { border-top: 1px solid rgba(255,255,255,0.12); }
.footer-bottom-inner { max-width: var(--max-width); margin: 0 auto; padding: 1rem 1.25rem; }
@media (min-width: 1024px) { .footer-bottom-inner { padding: 1rem 2rem; } }
.footer-copyright { margin: 0; font-size: 0.72rem; color: rgba(255,255,255,0.35); }

/* ═══════════════════════════════════════════
   EMBEDDED WIDGET
═══════════════════════════════════════════ */
#iframeContainer {
  max-width: 400px; width: 100%;
  position: fixed; bottom: 0; right: 0; z-index: 1000;
  height: fit-content;
}
#enterpriseIframe { width: 100%; max-height: 100vh; border: 0; }