/* ===== CSS RESET & VARIABLES ===== */
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    :root {
      --navy: #0a1628;
      --navy-mid: #112240;
      --navy-light: #1e3a5f;
      --gold: #c9a84c;
      --gold-light: #e8c97a;
      --gold-pale: #f5e6c0;
      --slate: #8892b0;
      --slate-light: #ccd6f6;
      --white: #e6f1ff;
      --bg: #0a1628;
      --card-bg: rgba(17, 34, 64, 0.85);
      --border: rgba(201, 168, 76, 0.25);
      --radius: 12px;
      --radius-lg: 20px;
      --shadow: 0 20px 60px rgba(0,0,0,0.4);
      --shadow-gold: 0 0 40px rgba(201,168,76,0.15);
    }

    html { scroll-behavior: smooth; }

    body {
      font-family: 'Inter', sans-serif;
      background-color: var(--navy);
      color: var(--slate-light);
      line-height: 1.7;
      overflow-x: hidden;
    }

    /* ===== ANIMATED BACKGROUND ===== */
    body::before {
      content: '';
      position: fixed;
      inset: 0;
      background:
        radial-gradient(ellipse 80% 60% at 20% 10%, rgba(201,168,76,0.06) 0%, transparent 60%),
        radial-gradient(ellipse 60% 80% at 80% 80%, rgba(30,58,95,0.8) 0%, transparent 60%);
      pointer-events: none;
      z-index: 0;
    }

    /* ===== NAVIGATION ===== */
    nav {
      position: fixed;
      top: 0;
      left: 0;
      right: 0;
      z-index: 100;
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 1.2rem 5%;
      backdrop-filter: blur(20px);
      background: rgba(10,22,40,0.85);
      border-bottom: 1px solid var(--border);
      transition: all 0.3s ease;
    }

    .nav-logo {
      font-family: 'Playfair Display', serif;
      font-size: 1.25rem;
      color: var(--gold);
      font-weight: 700;
      letter-spacing: 0.02em;
    }

    .nav-logo span { color: var(--white); }

    .nav-links {
      display: flex;
      gap: 2rem;
      list-style: none;
    }

    .nav-links a {
      color: var(--slate);
      text-decoration: none;
      font-size: 0.875rem;
      font-weight: 500;
      letter-spacing: 0.05em;
      text-transform: uppercase;
      transition: color 0.3s;
    }

    .nav-links a:hover { color: var(--gold); }

    .nav-cta {
      background: transparent;
      border: 1px solid var(--gold);
      color: var(--gold) !important;
      padding: 0.5rem 1.25rem;
      border-radius: 6px;
      transition: all 0.3s !important;
    }

    .nav-cta:hover {
      background: var(--gold) !important;
      color: var(--navy) !important;
    }

    /* ===== HERO ===== */
    #hero {
      position: relative;
      min-height: 100vh;
      display: flex;
      align-items: center;
      padding: 7rem 5% 5rem;
      overflow: hidden;
    }

    .hero-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 4rem;
      align-items: center;
      max-width: 1200px;
      margin: 0 auto;
      width: 100%;
    }

    .hero-tag {
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      background: rgba(201,168,76,0.12);
      border: 1px solid var(--border);
      color: var(--gold);
      font-size: 0.8rem;
      font-weight: 600;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      padding: 0.4rem 1rem;
      border-radius: 50px;
      margin-bottom: 1.5rem;
      animation: fadeInUp 0.6s ease both;
    }

    .hero-tag::before {
      content: '';
      width: 8px; height: 8px;
      border-radius: 50%;
      background: var(--gold);
      animation: pulse 2s infinite;
    }

    @keyframes pulse {
      0%, 100% { opacity: 1; transform: scale(1); }
      50% { opacity: 0.5; transform: scale(1.3); }
    }

    .hero-title {
      font-family: 'Playfair Display', serif;
      font-size: clamp(2.5rem, 5vw, 3.8rem);
      font-weight: 800;
      color: var(--white);
      line-height: 1.15;
      margin-bottom: 0.5rem;
      animation: fadeInUp 0.6s 0.1s ease both;
    }

    .hero-title .accent {
      color: var(--gold);
      display: block;
    }

    .hero-subtitle {
      font-size: 1.15rem;
      color: var(--slate);
      margin-bottom: 2rem;
      max-width: 520px;
      animation: fadeInUp 0.6s 0.2s ease both;
    }

    .hero-subtitle strong { color: var(--slate-light); }

    .hero-ctas {
      display: flex;
      gap: 1rem;
      flex-wrap: wrap;
      animation: fadeInUp 0.6s 0.3s ease both;
    }

    .btn-primary {
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      background: linear-gradient(135deg, var(--gold), var(--gold-light));
      color: var(--navy);
      font-weight: 700;
      font-size: 0.95rem;
      padding: 0.9rem 2rem;
      border-radius: 8px;
      text-decoration: none;
      border: none;
      cursor: pointer;
      transition: all 0.3s ease;
      box-shadow: 0 4px 20px rgba(201,168,76,0.35);
    }

    .btn-primary:hover {
      transform: translateY(-2px);
      box-shadow: 0 8px 30px rgba(201,168,76,0.5);
    }

    .btn-secondary {
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      background: transparent;
      color: var(--slate-light);
      font-weight: 600;
      font-size: 0.95rem;
      padding: 0.9rem 2rem;
      border-radius: 8px;
      text-decoration: none;
      border: 1px solid rgba(204,214,246,0.2);
      cursor: pointer;
      transition: all 0.3s ease;
    }

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

    /* ===== HERO RIGHT - STATS CARD ===== */
    .hero-visual {
      position: relative;
      animation: fadeInRight 0.8s 0.2s ease both;
    }

    .profile-card {
      background: var(--card-bg);
      border: 1px solid var(--border);
      border-radius: var(--radius-lg);
      padding: 2.5rem;
      backdrop-filter: blur(20px);
      box-shadow: var(--shadow), var(--shadow-gold);
      position: relative;
      overflow: hidden;
    }

    .profile-card::before {
      content: '';
      position: absolute;
      top: -1px; left: 10%; right: 10%;
      height: 2px;
      background: linear-gradient(90deg, transparent, var(--gold), transparent);
    }

    .profile-avatar-wrap {
      display: flex;
      align-items: center;
      gap: 1.25rem;
      margin-bottom: 2rem;
      padding-bottom: 2rem;
      border-bottom: 1px solid var(--border);
    }

    .profile-avatar-initials {
      width: 72px;
      height: 72px;
      border-radius: 50%;
      background: linear-gradient(135deg, var(--navy-light), var(--gold));
      display: flex;
      align-items: center;
      justify-content: center;
      font-family: 'Playfair Display', serif;
      font-size: 1.5rem;
      font-weight: 700;
      color: var(--white);
      flex-shrink: 0;
      border: 2px solid var(--gold);
    }

    .profile-info h3 {
      font-family: 'Playfair Display', serif;
      font-size: 1.15rem;
      color: var(--white);
      font-weight: 700;
    }

    .profile-info p {
      font-size: 0.85rem;
      color: var(--gold);
      font-weight: 500;
      margin-top: 0.2rem;
    }

    .profile-badges {
      display: flex;
      gap: 0.5rem;
      flex-wrap: wrap;
      margin-top: 0.5rem;
    }

    .badge {
      font-size: 0.7rem;
      font-weight: 600;
      letter-spacing: 0.06em;
      text-transform: uppercase;
      padding: 0.2rem 0.6rem;
      border-radius: 4px;
      background: rgba(201,168,76,0.12);
      color: var(--gold-light);
      border: 1px solid rgba(201,168,76,0.2);
    }

    .stats-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 1rem;
    }

    .stat-box {
      background: rgba(10,22,40,0.5);
      border: 1px solid var(--border);
      border-radius: var(--radius);
      padding: 1.25rem;
      text-align: center;
      transition: all 0.3s;
    }

    .stat-box:hover {
      border-color: var(--gold);
      transform: translateY(-3px);
      box-shadow: 0 8px 24px rgba(201,168,76,0.15);
    }

    .stat-number {
      font-family: 'Playfair Display', serif;
      font-size: 2rem;
      font-weight: 800;
      color: var(--gold);
      line-height: 1;
      margin-bottom: 0.3rem;
    }

    .stat-label {
      font-size: 0.75rem;
      color: var(--slate);
      font-weight: 500;
      letter-spacing: 0.05em;
    }

    /* ===== CLIENTS STRIP ===== */
    #clients {
      padding: 2.5rem 5%;
      border-top: 1px solid var(--border);
      border-bottom: 1px solid var(--border);
      background: rgba(17,34,64,0.4);
      position: relative;
    }

    .clients-label {
      text-align: center;
      font-size: 0.75rem;
      font-weight: 600;
      letter-spacing: 0.15em;
      text-transform: uppercase;
      color: var(--slate);
      margin-bottom: 1.5rem;
    }

    .clients-logos {
      display: flex;
      justify-content: center;
      flex-wrap: wrap;
      gap: 0.75rem 1.5rem;
      align-items: center;
    }

    .client-pill {
      display: flex;
      align-items: center;
      gap: 0.5rem;
      padding: 0.5rem 1.25rem;
      border: 1px solid var(--border);
      border-radius: 50px;
      font-size: 0.8rem;
      font-weight: 600;
      color: var(--slate-light);
      background: rgba(17,34,64,0.6);
      transition: all 0.3s;
    }

    .client-pill:hover {
      border-color: var(--gold);
      color: var(--gold);
      background: rgba(201,168,76,0.08);
    }

    .client-pill .dot {
      width: 6px; height: 6px;
      border-radius: 50%;
      background: var(--gold);
      opacity: 0.7;
    }

    /* ===== SECTIONS COMMON ===== */
    section {
      position: relative;
      z-index: 1;
    }

    .section-header {
      text-align: center;
      margin-bottom: 3.5rem;
    }

    .section-tag {
      display: inline-block;
      font-size: 0.75rem;
      font-weight: 700;
      letter-spacing: 0.15em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 0.75rem;
    }

    .section-title {
      font-family: 'Playfair Display', serif;
      font-size: clamp(2rem, 4vw, 2.8rem);
      font-weight: 800;
      color: var(--white);
      line-height: 1.2;
      margin-bottom: 1rem;
    }

    .section-desc {
      font-size: 1.05rem;
      color: var(--slate);
      max-width: 600px;
      margin: 0 auto;
    }

    .container {
      max-width: 1200px;
      margin: 0 auto;
      padding: 5rem 5%;
    }

    /* ===== SERVICES ===== */
    #services { background: var(--navy); }

    .services-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 1.5rem;
    }

    .service-card {
      background: var(--card-bg);
      border: 1px solid var(--border);
      border-radius: var(--radius-lg);
      padding: 2.25rem;
      position: relative;
      transition: all 0.4s ease;
      overflow: hidden;
      backdrop-filter: blur(10px);
    }

    .service-card::after {
      content: '';
      position: absolute;
      bottom: 0; left: 0; right: 0;
      height: 3px;
      background: linear-gradient(90deg, var(--gold), var(--gold-light));
      transform: scaleX(0);
      transition: transform 0.4s ease;
    }

    .service-card:hover {
      transform: translateY(-6px);
      border-color: rgba(201,168,76,0.5);
      box-shadow: var(--shadow), 0 0 40px rgba(201,168,76,0.12);
    }

    .service-card:hover::after { transform: scaleX(1); }

    .service-card.featured {
      border-color: var(--gold);
      background: linear-gradient(135deg, rgba(17,34,64,0.95), rgba(30,58,95,0.85));
    }

    .service-card.featured::before {
      content: 'MOST REQUESTED';
      position: absolute;
      top: 1.25rem; right: 1.25rem;
      font-size: 0.65rem;
      font-weight: 700;
      letter-spacing: 0.1em;
      color: var(--navy);
      background: var(--gold);
      padding: 0.25rem 0.6rem;
      border-radius: 4px;
    }

    .service-icon {
      width: 56px; height: 56px;
      border-radius: 12px;
      background: rgba(201,168,76,0.12);
      border: 1px solid rgba(201,168,76,0.25);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 1.5rem;
      margin-bottom: 1.5rem;
    }

    .service-title {
      font-family: 'Playfair Display', serif;
      font-size: 1.25rem;
      font-weight: 700;
      color: var(--white);
      margin-bottom: 0.75rem;
    }

    .service-desc {
      font-size: 0.9rem;
      color: var(--slate);
      line-height: 1.7;
      margin-bottom: 1.5rem;
    }

    .service-list {
      list-style: none;
      display: flex;
      flex-direction: column;
      gap: 0.5rem;
    }

    .service-list li {
      display: flex;
      align-items: flex-start;
      gap: 0.5rem;
      font-size: 0.85rem;
      color: var(--slate-light);
    }

    .service-list li::before {
      content: '→';
      color: var(--gold);
      font-weight: 700;
      flex-shrink: 0;
      margin-top: 0.05rem;
    }

    /* ===== EXPERIENCE TIMELINE ===== */
    #experience { background: rgba(17,34,64,0.3); }

    .timeline {
      position: relative;
      padding-left: 2rem;
    }

    .timeline::before {
      content: '';
      position: absolute;
      left: 0; top: 0; bottom: 0;
      width: 2px;
      background: linear-gradient(180deg, var(--gold), transparent);
    }

    .timeline-item {
      position: relative;
      padding-left: 2rem;
      padding-bottom: 2.5rem;
    }

    .timeline-item::before {
      content: '';
      position: absolute;
      left: -2.45rem;
      top: 0.35rem;
      width: 12px; height: 12px;
      border-radius: 50%;
      background: var(--gold);
      border: 2px solid var(--navy);
      box-shadow: 0 0 12px rgba(201,168,76,0.5);
    }

    .timeline-period {
      font-size: 0.75rem;
      font-weight: 700;
      letter-spacing: 0.1em;
      color: var(--gold);
      text-transform: uppercase;
      margin-bottom: 0.35rem;
    }

    .timeline-role {
      font-family: 'Playfair Display', serif;
      font-size: 1.2rem;
      font-weight: 700;
      color: var(--white);
      margin-bottom: 0.2rem;
    }

    .timeline-company {
      font-size: 0.9rem;
      font-weight: 600;
      color: var(--gold-light);
      margin-bottom: 0.75rem;
    }

    .timeline-desc {
      font-size: 0.9rem;
      color: var(--slate);
      line-height: 1.7;
    }

    /* ===== AUDIT PORTFOLIO ===== */
    #portfolio { background: var(--navy); }

    .portfolio-intro {
      text-align: center;
      font-size: 1rem;
      color: var(--slate);
      margin-bottom: 2.5rem;
    }

    .portfolio-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 1rem;
      margin-bottom: 3rem;
    }

    .portfolio-card {
      background: var(--card-bg);
      border: 1px solid var(--border);
      border-radius: var(--radius);
      padding: 1.5rem;
      text-align: center;
      transition: all 0.3s;
    }

    .portfolio-card:hover {
      border-color: var(--gold);
      transform: translateY(-4px);
      box-shadow: 0 12px 32px rgba(201,168,76,0.12);
    }

    .portfolio-card .emoji { font-size: 2rem; margin-bottom: 0.75rem; }
    .portfolio-card h4 { font-size: 0.95rem; font-weight: 700; color: var(--white); margin-bottom: 0.35rem; }
    .portfolio-card p { font-size: 0.8rem; color: var(--slate); }

    .countries-marquee {
      background: rgba(17,34,64,0.6);
      border: 1px solid var(--border);
      border-radius: var(--radius);
      padding: 1.25rem 2rem;
      overflow: hidden;
      position: relative;
    }

    .countries-marquee::before, .countries-marquee::after {
      content: '';
      position: absolute;
      top: 0; bottom: 0;
      width: 60px;
      z-index: 2;
    }
    .countries-marquee::before { left: 0; background: linear-gradient(90deg, rgba(17,34,64,0.9), transparent); }
    .countries-marquee::after { right: 0; background: linear-gradient(-90deg, rgba(17,34,64,0.9), transparent); }

    .marquee-label {
      font-size: 0.7rem;
      font-weight: 700;
      letter-spacing: 0.15em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 0.75rem;
      text-align: center;
    }

    .marquee-track {
      display: flex;
      gap: 2rem;
      animation: marquee 30s linear infinite;
      white-space: nowrap;
    }

    @keyframes marquee {
      from { transform: translateX(0); }
      to { transform: translateX(-50%); }
    }

    .country-tag {
      display: inline-flex;
      align-items: center;
      gap: 0.35rem;
      font-size: 0.82rem;
      color: var(--slate-light);
      font-weight: 500;
    }

    /* ===== CREDENTIALS ===== */
    #credentials { background: rgba(17,34,64,0.3); }

    .credentials-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 2rem;
    }

    .credential-card {
      background: var(--card-bg);
      border: 1px solid var(--border);
      border-radius: var(--radius-lg);
      padding: 2rem;
      backdrop-filter: blur(10px);
    }

    .credential-card h3 {
      font-family: 'Playfair Display', serif;
      font-size: 1.1rem;
      color: var(--white);
      margin-bottom: 1.25rem;
      padding-bottom: 0.75rem;
      border-bottom: 1px solid var(--border);
    }

    .cred-item {
      display: flex;
      gap: 1rem;
      align-items: flex-start;
      padding: 0.75rem 0;
      border-bottom: 1px solid rgba(201,168,76,0.1);
    }

    .cred-item:last-child { border-bottom: none; }

    .cred-icon {
      width: 36px; height: 36px;
      border-radius: 8px;
      background: rgba(201,168,76,0.1);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 1rem;
      flex-shrink: 0;
    }

    .cred-text strong {
      display: block;
      font-size: 0.9rem;
      font-weight: 600;
      color: var(--slate-light);
    }

    .cred-text span {
      font-size: 0.8rem;
      color: var(--slate);
    }

    .lang-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 0.75rem;
    }

    .lang-item {
      background: rgba(10,22,40,0.5);
      border: 1px solid var(--border);
      border-radius: 8px;
      padding: 0.75rem 1rem;
      display: flex;
      justify-content: space-between;
      align-items: center;
    }

    .lang-name { font-size: 0.9rem; color: var(--slate-light); font-weight: 600; white-space: nowrap; }
    .lang-level {
      font-size: 0.75rem;
      font-weight: 700;
      color: var(--navy);
      background: var(--gold);
      padding: 0.15rem 0.5rem;
      border-radius: 4px;
      letter-spacing: 0.05em;
    }

    .lang-level.advanced {
      background: rgba(201,168,76,0.2);
      color: var(--gold);
    }

    /* ===== CTA SECTION ===== */
    #contact {
      background: linear-gradient(135deg, var(--navy-mid), var(--navy));
      position: relative;
      overflow: hidden;
    }

    #contact::before {
      content: '';
      position: absolute;
      inset: 0;
      background: radial-gradient(ellipse 70% 70% at 50% 50%, rgba(201,168,76,0.07) 0%, transparent 70%);
    }

    .contact-wrapper {
      max-width: 750px;
      margin: 0 auto;
      text-align: center;
      padding: 6rem 5%;
      position: relative;
    }

    .contact-title {
      font-family: 'Playfair Display', serif;
      font-size: clamp(2rem, 4vw, 3rem);
      font-weight: 800;
      color: var(--white);
      margin-bottom: 1.25rem;
      line-height: 1.2;
    }

    .contact-desc {
      font-size: 1.05rem;
      color: var(--slate);
      margin-bottom: 2.5rem;
      max-width: 500px;
      margin-left: auto;
      margin-right: auto;
    }

    .contact-options {
      display: flex;
      gap: 1rem;
      justify-content: center;
      flex-wrap: wrap;
      margin-bottom: 3rem;
    }

    .contact-card {
      display: flex;
      flex-direction: column;
      align-items: center;
      gap: 0.5rem;
      background: var(--card-bg);
      border: 1px solid var(--border);
      border-radius: var(--radius);
      padding: 1.5rem 2rem;
      text-decoration: none;
      min-width: 180px;
      transition: all 0.3s;
    }

    .contact-card:hover {
      border-color: var(--gold);
      transform: translateY(-4px);
      box-shadow: 0 12px 32px rgba(201,168,76,0.15);
    }

    .contact-card .cc-icon { font-size: 1.75rem; }
    .contact-card .cc-label { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.1em; font-weight: 600; color: var(--slate); }
    .contact-card .cc-value { font-size: 0.9rem; font-weight: 600; color: var(--gold-light); }

    .availability-badge {
      display: inline-flex;
      align-items: center;
      gap: 0.5rem;
      background: rgba(34,197,94,0.1);
      border: 1px solid rgba(34,197,94,0.3);
      color: #86efac;
      font-size: 0.82rem;
      font-weight: 600;
      padding: 0.5rem 1.25rem;
      border-radius: 50px;
    }

    .availability-badge::before {
      content: '';
      width: 8px; height: 8px;
      border-radius: 50%;
      background: #4ade80;
      animation: pulse 2s infinite;
    }

    /* ===== FOOTER ===== */
    footer {
      background: rgba(10,22,40,0.95);
      border-top: 1px solid var(--border);
      padding: 2rem 5%;
      text-align: center;
    }

    footer p {
      font-size: 0.82rem;
      color: var(--slate);
    }

    footer a {
      color: var(--gold);
      text-decoration: none;
    }

    /* ===== ANIMATIONS ===== */
    @keyframes fadeInUp {
      from { opacity: 0; transform: translateY(24px); }
      to { opacity: 1; transform: translateY(0); }
    }

    @keyframes fadeInRight {
      from { opacity: 0; transform: translateX(30px); }
      to { opacity: 1; transform: translateX(0); }
    }

    .reveal {
      opacity: 0;
      transform: translateY(28px);
      transition: opacity 0.7s ease, transform 0.7s ease;
    }

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

    /* ===== SECTION DIVIDERS ===== */
    .section-divider {
      height: 1px;
      background: linear-gradient(90deg, transparent, var(--gold), transparent);
      opacity: 0.25;
      margin: 0;
    }

    /* ===== RISK CARD (Hero visual) ===== */
    .risk-card {
      background: var(--card-bg);
      border: 1px solid var(--border);
      border-radius: var(--radius-lg);
      padding: 2.5rem;
      backdrop-filter: blur(20px);
      box-shadow: var(--shadow), var(--shadow-gold);
      position: relative;
      overflow: hidden;
    }

    .risk-card::before {
      content: '';
      position: absolute;
      top: -1px; left: 10%; right: 10%;
      height: 2px;
      background: linear-gradient(90deg, transparent, var(--gold), transparent);
    }

    .risk-card-header {
      display: flex;
      align-items: center;
      gap: 1rem;
      margin-bottom: 1.75rem;
      padding-bottom: 1.5rem;
      border-bottom: 1px solid var(--border);
    }

    .risk-shield {
      font-size: 2rem;
      width: 56px; height: 56px;
      background: rgba(201,168,76,0.12);
      border: 1px solid var(--border);
      border-radius: 14px;
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
    }

    .risk-title {
      font-family: 'Playfair Display', serif;
      font-size: 1.1rem;
      font-weight: 700;
      color: var(--white);
      line-height: 1.3;
    }

    .risk-sub {
      font-size: 0.78rem;
      color: var(--slate);
      margin-top: 0.2rem;
    }

    .risk-items { display: flex; flex-direction: column; gap: 1rem; }

    .risk-item {
      display: flex;
      gap: 1rem;
      align-items: flex-start;
      padding: 1rem;
      background: rgba(10,22,40,0.5);
      border: 1px solid rgba(201,168,76,0.1);
      border-radius: var(--radius);
      transition: border-color 0.3s;
    }

    .risk-item:hover { border-color: rgba(201,168,76,0.35); }

    .risk-item-icon {
      font-size: 1.2rem;
      width: 36px; height: 36px;
      border-radius: 8px;
      background: rgba(239,68,68,0.1);
      border: 1px solid rgba(239,68,68,0.2);
      display: flex; align-items: center; justify-content: center;
      flex-shrink: 0;
    }

    .risk-item-content strong {
      display: block;
      font-size: 0.9rem;
      font-weight: 600;
      color: var(--slate-light);
      margin-bottom: 0.2rem;
    }

    .risk-item-content span {
      font-size: 0.8rem;
      color: var(--slate);
      line-height: 1.5;
    }

    .risk-card-footer {
      margin-top: 1.5rem;
      padding-top: 1.25rem;
      border-top: 1px solid var(--border);
      text-align: center;
    }

    .risk-protected {
      font-size: 0.82rem;
      font-weight: 700;
      color: #86efac;
      letter-spacing: 0.05em;
    }

    .risk-protected::before {
      content: '✓ ';
    }

    /* ===== WHY US ===== */
    #why-us {
      background: rgba(17,34,64,0.3);
    }

    .why-us-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 1.5rem;
    }

    .why-card {
      background: var(--card-bg);
      border: 1px solid var(--border);
      border-radius: var(--radius-lg);
      padding: 2rem 1.5rem;
      text-align: center;
      transition: all 0.4s ease;
      position: relative;
      overflow: hidden;
    }

    .why-card::after {
      content: '';
      position: absolute;
      bottom: 0; left: 0; right: 0;
      height: 3px;
      background: linear-gradient(90deg, var(--gold), var(--gold-light));
      transform: scaleX(0);
      transition: transform 0.4s ease;
    }

    .why-card:hover {
      transform: translateY(-6px);
      border-color: rgba(201,168,76,0.4);
      box-shadow: 0 20px 50px rgba(0,0,0,0.3), 0 0 30px rgba(201,168,76,0.1);
    }

    .why-card:hover::after { transform: scaleX(1); }

    .why-icon {
      font-size: 2.2rem;
      margin-bottom: 1.25rem;
    }

    .why-title {
      font-family: 'Playfair Display', serif;
      font-size: 1.05rem;
      font-weight: 700;
      color: var(--white);
      margin-bottom: 0.75rem;
    }

    .why-desc {
      font-size: 0.85rem;
      color: var(--slate);
      line-height: 1.65;
    }

    /* ===== HOW WE WORK ===== */
    #process { background: var(--navy); }

    .process-steps {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 0;
      position: relative;
    }

    .process-steps::before {
      content: '';
      position: absolute;
      top: 2.5rem;
      left: 12.5%;
      right: 12.5%;
      height: 2px;
      background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
      opacity: 0.4;
      z-index: 0;
    }

    .process-step {
      position: relative;
      z-index: 1;
      text-align: center;
      padding: 0 1.5rem;
    }

    .process-num {
      width: 56px; height: 56px;
      border-radius: 50%;
      background: linear-gradient(135deg, var(--navy-light), var(--navy-mid));
      border: 2px solid var(--gold);
      display: flex;
      align-items: center;
      justify-content: center;
      font-family: 'Playfair Display', serif;
      font-size: 1.3rem;
      font-weight: 800;
      color: var(--gold);
      margin: 0 auto 1.5rem;
      box-shadow: 0 0 20px rgba(201,168,76,0.25);
    }

    .process-title {
      font-family: 'Playfair Display', serif;
      font-size: 1.05rem;
      font-weight: 700;
      color: var(--white);
      margin-bottom: 0.6rem;
    }

    .process-desc {
      font-size: 0.85rem;
      color: var(--slate);
      line-height: 1.6;
    }

    /* ===== COST CALLOUT ===== */
    #cost {
      background: linear-gradient(135deg, rgba(239,68,68,0.04), rgba(17,34,64,0.6));
      border-top: 1px solid rgba(239,68,68,0.15);
      border-bottom: 1px solid rgba(239,68,68,0.15);
    }

    .cost-wrapper {
      max-width: 900px;
      margin: 0 auto;
      padding: 5rem 5%;
      text-align: center;
    }

    .cost-tag {
      display: inline-block;
      font-size: 0.72rem;
      font-weight: 700;
      letter-spacing: 0.15em;
      text-transform: uppercase;
      color: #f87171;
      margin-bottom: 1rem;
      background: rgba(239,68,68,0.1);
      border: 1px solid rgba(239,68,68,0.2);
      padding: 0.35rem 1rem;
      border-radius: 50px;
    }

    .cost-title {
      font-family: 'Playfair Display', serif;
      font-size: clamp(1.6rem, 3vw, 2.4rem);
      font-weight: 800;
      color: var(--white);
      line-height: 1.25;
      margin-bottom: 1.5rem;
    }

    .cost-stats {
      display: flex;
      justify-content: center;
      gap: 2rem;
      flex-wrap: wrap;
      margin: 2.5rem 0;
    }

    .cost-stat {
      background: rgba(10,22,40,0.6);
      border: 1px solid rgba(239,68,68,0.2);
      border-radius: var(--radius);
      padding: 1.5rem 2rem;
      min-width: 200px;
    }

    .cost-stat-num {
      font-family: 'Playfair Display', serif;
      font-size: 2.2rem;
      font-weight: 800;
      color: #f87171;
      line-height: 1;
      margin-bottom: 0.4rem;
    }

    .cost-stat-label {
      font-size: 0.82rem;
      color: var(--slate);
      line-height: 1.4;
    }

    .cost-desc {
      font-size: 1.05rem;
      color: var(--slate);
      max-width: 600px;
      margin: 0 auto 2rem;
      line-height: 1.7;
    }

    /* ===== FLOATING CTA (mobile) ===== */
    .float-cta {
      display: none;
      position: fixed;
      bottom: 1.5rem;
      left: 50%;
      transform: translateX(-50%);
      z-index: 200;
      white-space: nowrap;
      box-shadow: 0 8px 30px rgba(201,168,76,0.45);
      border-radius: 50px;
      padding: 0.85rem 2rem;
      font-size: 0.9rem;
    }

    /* ===== RESPONSIVE ===== */
    @media (max-width: 1024px) {
      .services-grid { grid-template-columns: 1fr 1fr; }
      .portfolio-grid { grid-template-columns: 1fr 1fr; }
      .why-us-grid { grid-template-columns: 1fr 1fr; }
      .process-steps { grid-template-columns: 1fr 1fr; gap: 2rem; }
      .process-steps::before { display: none; }
    }

    @media (max-width: 768px) {
      .hero-grid { grid-template-columns: 1fr; gap: 3rem; }
      .nav-links { display: none; }
      .services-grid { grid-template-columns: 1fr; }
      .credentials-grid { grid-template-columns: 1fr; }
      .portfolio-grid { grid-template-columns: 1fr 1fr; }
      .hero-visual { order: -1; }
      .why-us-grid { grid-template-columns: 1fr 1fr; }
      .float-cta { display: inline-flex; }
      .cost-stats { gap: 1rem; }
    }

    @media (max-width: 480px) {
      .portfolio-grid { grid-template-columns: 1fr; }
      .stats-grid { grid-template-columns: 1fr 1fr; }
      .why-us-grid { grid-template-columns: 1fr; }
      .process-steps { grid-template-columns: 1fr; }
      .cost-stats { flex-direction: column; align-items: center; }
    }