.form-card{
  position:relative;padding:30px;border:1px solid rgba(228,193,120,.22);border-radius:var(--radius-lg);
  color:var(--text-dark);background:rgba(255,255,255,.975);box-shadow:0 30px 80px rgba(0,0,0,.25)
}
.form-card__head{display:flex;gap:13px;margin-bottom:22px;padding-bottom:18px;border-bottom:1px solid var(--border)}
.form-card__icon{display:grid;flex:0 0 42px;height:42px;place-items:center;border-radius:12px;color:var(--gold-500);background:var(--ivory-100);font-weight:900}
.form-card__head h2{font-size:1.35rem}
.form-card__head p{margin-top:5px;color:var(--text-muted);font-size:.77rem;line-height:1.55}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.field{position:relative}
.field--full{grid-column:1/-1}
.field label,.fieldset-label{display:block;margin-bottom:7px;color:var(--text-dark);font-size:.78rem;font-weight:800}
.optional{color:var(--text-muted);font-size:.7rem;font-weight:600}
.field input,.field select,.field textarea,.faq-search input{
  width:100%;min-height:48px;padding:11px 13px;border:1px solid rgba(16,32,51,.17);border-radius:11px;
  color:var(--text-dark);background:var(--white);outline:none;transition:border-color .2s ease,box-shadow .2s ease
}
.field textarea{min-height:102px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus,.faq-search input:focus{border-color:var(--gold-500);box-shadow:0 0 0 4px rgba(213,170,82,.13)}
.field input[aria-invalid="true"],.field select[aria-invalid="true"],.field textarea[aria-invalid="true"]{border-color:var(--danger)}
.field-error{display:none;margin-top:5px;color:var(--danger);font-size:.74rem;font-weight:700}
.field-error::before{margin-right:5px;content:"!";font-weight:900}
.field-error.is-visible{display:block}
.field-help{margin-top:6px;color:var(--text-muted);font-size:.69rem;line-height:1.5}
.char-counter{text-align:right}
.choice-row{display:flex;flex-wrap:wrap;gap:8px}
.choice{
  position:relative;display:flex;min-height:42px;align-items:center;gap:8px;padding:9px 12px;border:1px solid var(--border);border-radius:10px;
  color:var(--text-muted);font-size:.74rem;font-weight:700;cursor:pointer
}
.choice:has(input:checked){color:var(--navy-800);border-color:var(--gold-500);background:rgba(213,170,82,.08)}
.choice input{width:16px;height:16px;accent-color:var(--gold-500)}
.consent-list{display:grid;gap:10px;margin-top:17px}
.consent{
  display:grid;grid-template-columns:auto 1fr;gap:10px;align-items:start;color:var(--text-muted);font-size:.71rem;line-height:1.55
}
.consent input{width:17px;height:17px;margin-top:2px;accent-color:var(--gold-500)}
.consent a{color:var(--navy-700);font-weight:800}
.form-submit{width:100%;margin-top:18px}
.form-footnote{margin-top:11px;color:var(--text-muted);font-size:.68rem;text-align:center;line-height:1.5}
.form-status{display:none;margin-top:14px;padding:12px 14px;border-radius:10px;font-size:.78rem;font-weight:700}
.form-status.is-visible{display:block}
.form-status--error{color:#7a271a;background:#fef3f2;border:1px solid #fecdca}
.form-status--success{color:#05603a;background:#ecfdf3;border:1px solid #abefc6}
.honeypot{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;overflow:hidden!important}

.transparency-strip{position:relative;z-index:2;margin-top:-42px}
.transparency-strip__inner{
  display:grid;grid-template-columns:repeat(4,1fr);padding:12px;border:1px solid var(--border);border-radius:var(--radius-lg);
  background:var(--white);box-shadow:var(--shadow-lg)
}
.transparency-item{padding:22px 24px}
.transparency-item+.transparency-item{border-left:1px solid var(--border)}
.transparency-item strong{display:block;margin-bottom:6px;color:var(--navy-800);font-size:.87rem}
.transparency-item p{color:var(--text-muted);font-size:.76rem;line-height:1.5}

.feature-list{display:grid;gap:10px;margin-top:28px}
.feature-item{display:grid;grid-template-columns:auto 1fr;gap:16px;padding:18px;border:1px solid transparent;border-radius:var(--radius-sm);transition:.25s ease}
.feature-item:hover{border-color:var(--border);background:var(--white);box-shadow:var(--shadow-sm)}
.feature-number{display:grid;width:42px;height:42px;place-items:center;border:1px solid rgba(213,170,82,.35);border-radius:12px;color:var(--gold-500);font-size:.78rem;font-weight:900}
.feature-item h3{font-size:1.05rem}
.feature-item p{margin-top:5px;color:var(--text-muted);font-size:.86rem}
.approach-visual{position:relative;align-self:center}
.approach-visual>img{width:100%;min-height:470px;object-fit:cover;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg)}
.quote-card{
  position:absolute;right:-20px;bottom:30px;max-width:310px;padding:25px;border:1px solid rgba(228,193,120,.25);
  border-radius:var(--radius-md);color:var(--white);background:rgba(4,17,31,.96);box-shadow:var(--shadow-lg);
  font-family:var(--font-serif);font-size:1.6rem;font-weight:600;line-height:1.2
}

.card{
  position:relative;padding:28px;border:1px solid var(--border);border-radius:var(--radius-md);background:var(--white);
  box-shadow:0 8px 24px rgba(4,17,31,.045);transition:transform .3s ease,border-color .3s ease,box-shadow .3s ease
}
.card:hover{border-color:rgba(213,170,82,.65);box-shadow:var(--shadow-sm);transform:translateY(-6px)}
.card-icon{display:grid;width:52px;height:52px;margin-bottom:24px;place-items:center;border:1px solid rgba(213,170,82,.25);border-radius:15px;color:var(--gold-500);background:var(--ivory-100);font-size:.78rem;font-weight:900}
.card h3{margin-bottom:12px}
.card p{color:var(--text-muted);font-size:.88rem}
.card .text-link{margin-top:20px}
.card-note{margin-top:17px!important;padding-top:14px;border-top:1px solid var(--border);font-size:.7rem!important}

.process-line{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:56px}
.process-line::before{position:absolute;top:27px;right:12%;left:12%;height:1px;content:"";background:linear-gradient(90deg,var(--gold-500),var(--gold-400))}
.process-step{position:relative;z-index:1;text-align:center}
.process-step__number{
  display:grid;width:56px;height:56px;margin:0 auto 20px;place-items:center;border:1px solid var(--gold-500);
  border-radius:50%;color:var(--navy-900);background:var(--ivory-100);font-size:.78rem;font-weight:900;box-shadow:0 0 0 8px var(--ivory-100)
}
.process-step h3{margin-bottom:9px;font-size:1.05rem}
.process-step p{color:var(--text-muted);font-size:.82rem}
.process-note{max-width:820px;margin:42px auto 0;color:var(--text-muted);font-size:.78rem;text-align:center}

.dark-feature{position:relative;overflow:hidden}
.dark-feature::after{
  position:absolute;right:-80px;bottom:-120px;width:420px;height:420px;content:"";border:1px solid rgba(228,193,120,.08);border-radius:45% 55% 50% 50%;
  box-shadow:0 0 0 52px rgba(228,193,120,.025),0 0 0 104px rgba(228,193,120,.015);transform:rotate(18deg)
}
.dark-feature-grid{position:relative;z-index:1}
.dark-feature .card{color:var(--white);border-color:rgba(255,255,255,.1);background:rgba(255,255,255,.035)}
.dark-feature .card:hover{border-color:rgba(228,193,120,.35);background:rgba(255,255,255,.055)}
.dark-feature .card p{color:rgba(255,255,255,.65)}

.accordion{border-top:1px solid var(--border)}
.accordion-item{border-bottom:1px solid var(--border)}
.accordion-button{
  display:flex;width:100%;min-height:66px;align-items:center;justify-content:space-between;gap:20px;padding:18px 4px;
  color:var(--text-dark);background:transparent;font-weight:800;text-align:left
}
.accordion-button::after{display:grid;flex:0 0 30px;height:30px;place-items:center;border:1px solid var(--border);border-radius:50%;content:"+";transition:.25s ease}
.accordion-button[aria-expanded="true"]::after{color:var(--white);background:var(--navy-800);transform:rotate(45deg)}
.accordion-panel{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s ease}
.accordion-panel>div{overflow:hidden}
.accordion-panel p{max-width:870px;padding:0 48px 20px 4px;color:var(--text-muted);font-size:.92rem}
.accordion-button[aria-expanded="true"]+.accordion-panel{grid-template-rows:1fr}

.final-cta{
  position:relative;padding:72px;border:1px solid rgba(228,193,120,.22);border-radius:var(--radius-lg);color:var(--white);
  background:linear-gradient(125deg,var(--navy-950),var(--navy-800) 70%,#17354e);box-shadow:var(--shadow-lg);overflow:hidden
}
.final-cta::after{position:absolute;top:-70%;right:-8%;width:420px;height:420px;content:"";border:1px solid rgba(228,193,120,.14);border-radius:50%;box-shadow:0 0 0 50px rgba(228,193,120,.025)}
.final-cta>*{position:relative;z-index:1}
.final-cta h2{max-width:820px}
.final-cta p{max-width:700px;margin-top:20px;color:rgba(255,255,255,.7)}
.final-cta__actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.final-cta__note{font-size:.75rem!important}

.transparency-card{height:320px;perspective:1200px}
.transparency-card__inner{position:relative;width:100%;height:100%;transition:transform .6s ease;transform-style:preserve-3d}
.transparency-card:hover .transparency-card__inner,.transparency-card:focus-within .transparency-card__inner{transform:rotateY(180deg)}
.transparency-card__face{
  position:absolute;inset:0;padding:32px;border:1px solid var(--border);border-radius:var(--radius-md);background:var(--white);
  box-shadow:var(--shadow-sm);backface-visibility:hidden
}
.transparency-card__face--back{color:var(--white);background:var(--navy-800);transform:rotateY(180deg)}
.transparency-card__face .eyebrow{margin-bottom:12px}
.transparency-card__face h3{margin-bottom:18px;font-size:1.6rem}
.transparency-card__hint{position:absolute;right:26px;bottom:22px;color:var(--text-muted);font-size:.7rem}
.transparency-card__face--back .cross-list li::before{color:var(--gold-400);background:rgba(228,193,120,.1)}

.scope-comparison{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--border);border-radius:var(--radius-lg);background:var(--white);overflow:hidden}
.scope-column{padding:36px}
.scope-column+.scope-column{border-left:1px solid var(--border);background:var(--surface)}
.scope-column h3{margin-bottom:18px}

.security-panel{
  position:relative;padding:38px;border:1px solid rgba(228,193,120,.2);border-radius:var(--radius-lg);color:var(--white);
  background:var(--navy-900);overflow:hidden
}
.security-panel p{color:rgba(255,255,255,.68)}
.security-panel .cross-list{display:grid;grid-template-columns:repeat(3,1fr);gap:8px 20px;margin-top:20px}
.security-panel .cross-list li::before{color:var(--gold-400);background:rgba(228,193,120,.1)}

.modal-backdrop{
  position:fixed;z-index:1500;inset:0;display:grid;padding:20px;place-items:center;background:rgba(4,17,31,.72);
  opacity:0;visibility:hidden;transition:.2s ease
}
.modal-backdrop.is-open{opacity:1;visibility:visible}
.modal{
  position:relative;width:min(720px,100%);max-height:min(760px,calc(100vh - 40px));overflow:auto;padding:34px;border-radius:var(--radius-lg);
  background:var(--white);box-shadow:0 30px 100px rgba(0,0,0,.34)
}
.modal__close{position:absolute;top:14px;right:14px;width:42px;height:42px;border-radius:50%;color:var(--navy-900);background:var(--surface)}
.modal h2{padding-right:40px;font-size:1.8rem}
.modal p{margin-top:14px;color:var(--text-muted)}
.modal__actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}

.cookie-banner{
  position:fixed;z-index:1400;right:24px;bottom:24px;width:min(560px,calc(100% - 48px));padding:24px;
  border:1px solid rgba(228,193,120,.25);border-radius:var(--radius-md);color:var(--white);background:var(--navy-900);box-shadow:var(--shadow-lg)
}
.cookie-banner[hidden]{display:none}
.cookie-banner h2{font-size:1.2rem}
.cookie-banner p{margin-top:8px;color:rgba(255,255,255,.68);font-size:.8rem}
.cookie-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.cookie-actions .button{min-height:44px;padding:10px 14px;font-size:.76rem}
.cookie-category{display:grid;grid-template-columns:1fr auto;gap:12px;padding:18px 0;border-bottom:1px solid var(--border)}
.cookie-category p{margin-top:5px;font-size:.82rem}
.switch{position:relative;width:48px;height:26px}
.switch input{position:absolute;opacity:0}
.switch span{position:absolute;inset:0;border-radius:999px;background:#cbd1d8;transition:.2s ease}
.switch span::after{position:absolute;top:3px;left:3px;width:20px;height:20px;content:"";border-radius:50%;background:var(--white);transition:.2s ease}
.switch input:checked+span{background:var(--gold-500)}
.switch input:checked+span::after{transform:translateX(22px)}
.switch input:disabled+span{opacity:.6}

.wizard-progress{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:34px}
.wizard-progress__step{position:relative;padding:14px;border:1px solid var(--border);border-radius:12px;color:var(--text-muted);background:var(--white);font-size:.78rem;font-weight:800}
.wizard-progress__step span{display:block;margin-bottom:3px;color:var(--gold-500);font-size:.68rem}
.wizard-progress__step.is-current{color:var(--navy-900);border-color:var(--gold-500);background:var(--ivory-100)}
.wizard-progress__step.is-complete{color:var(--success);border-color:rgba(23,114,69,.35)}
.wizard-panel[hidden]{display:none}
.wizard-actions{display:flex;justify-content:space-between;gap:12px;margin-top:26px}
.summary-list{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:0 0 24px;padding:0;list-style:none}
.summary-list li{padding:14px;border:1px solid var(--border);border-radius:10px;background:var(--surface)}
.summary-list span{display:block;color:var(--text-muted);font-size:.7rem}
.summary-list strong{font-size:.84rem}

.faq-tools{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-bottom:32px}
.faq-search{position:relative;flex:1;max-width:560px}
.faq-search label{display:block;margin-bottom:7px;font-weight:800}
.faq-category{margin-top:50px}
.faq-category h2{margin-bottom:20px;font-size:1.65rem}
.faq-empty{display:none;padding:26px;border:1px dashed var(--gold-500);border-radius:var(--radius-md);background:var(--ivory-100);text-align:center}
.faq-empty.is-visible{display:block}

.table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:var(--radius-md)}
.info-table{width:100%;min-width:640px}
.info-table th,.info-table td{padding:16px 18px;border-bottom:1px solid var(--border);text-align:left;vertical-align:top}
.info-table th{width:28%;color:var(--navy-800);background:var(--surface);font-size:.84rem}
.info-table td{font-size:.88rem}
.info-table tr:last-child th,.info-table tr:last-child td{border-bottom:0}

/* V2 components */
[data-glow]{--glow-x:50%;--glow-y:50%;position:relative;isolation:isolate}
[data-glow]::after{
  position:absolute;z-index:0;inset:-1px;content:"";border-radius:inherit;pointer-events:none;
  background:radial-gradient(320px circle at var(--glow-x) var(--glow-y),rgba(228,193,120,.15),transparent 58%);opacity:0;transition:opacity .35s ease
}
[data-glow]>*{position:relative;z-index:1}
[data-glow]:hover::after{opacity:1}
.hero-form-shell{
  position:relative;margin-top:10px;padding:1px;border:1px solid rgba(228,193,120,.23);border-radius:26px;
  background:linear-gradient(145deg,rgba(255,255,255,.14),rgba(255,255,255,.025));box-shadow:0 42px 100px rgba(0,0,0,.36);backdrop-filter:blur(16px)
}
.hero-form-shell::before{position:absolute;z-index:-1;inset:12% -9% -7% 12%;content:"";border-radius:32px;background:radial-gradient(circle at 70% 20%,rgba(228,193,120,.18),transparent 34%),rgba(10,38,62,.22);filter:blur(24px)}
.hero-form-shell__bar{display:flex;min-height:45px;align-items:center;justify-content:space-between;padding:0 22px;color:rgba(255,255,255,.68);font-size:.64rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}
.hero-form-shell__bar span{display:flex;align-items:center;gap:8px}
.hero-form-shell__bar i{width:7px;height:7px;border-radius:50%;background:#63d79f;box-shadow:0 0 0 5px rgba(99,215,159,.08),0 0 14px rgba(99,215,159,.35)}
.hero-form-shell__bar small{color:rgba(255,255,255,.35);font-size:.55rem}
.hero-form-shell .form-card{border:0;border-radius:24px;box-shadow:none}
.hero-form-shell__seal{
  position:absolute;right:-20px;bottom:70px;display:grid;width:58px;height:58px;place-items:center;border:1px solid rgba(228,193,120,.48);border-radius:18px;
  color:var(--gold-400);background:linear-gradient(145deg,var(--navy-900),var(--navy-700));box-shadow:0 16px 36px rgba(4,17,31,.26),inset 0 1px 0 rgba(255,255,255,.1);transform:rotate(6deg)
}
.hero-form-shell__seal .icon-v2{font-size:1.6rem}
.form-card{background:linear-gradient(155deg,rgba(255,255,255,.995),rgba(248,250,252,.975))}
.form-card__head{position:relative}
.form-card__head::after{position:absolute;right:0;bottom:-1px;width:92px;height:1px;content:"";background:linear-gradient(90deg,transparent,var(--gold-500))}
.form-card__icon{border-color:rgba(213,170,82,.18);background:linear-gradient(145deg,#fff8e9,#f3e4bf);box-shadow:inset 0 1px 0 #fff}
.field input,.field select,.field textarea,.faq-search input{border-color:rgba(16,32,51,.13);background:rgba(255,255,255,.82);box-shadow:inset 0 1px 2px rgba(4,17,31,.025)}
.field input:hover,.field select:hover,.field textarea:hover{border-color:rgba(213,170,82,.42)}
.hero-form-shell--wide{margin-top:0}
.form-card--hero{padding:25px 28px 23px}
.form-card--hero .form-card__head{align-items:center;gap:12px;margin-bottom:16px;padding-bottom:14px}
.form-card--hero .form-card__head h2{font-size:1.45rem}
.form-card--hero .form-card__head p{max-width:330px;margin-top:3px}
.form-card__meta{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:6px;margin-left:auto}
.form-card__meta span{padding:6px 9px;border:1px solid rgba(16,32,51,.09);border-radius:999px;color:var(--navy-700);background:#f5f7f9;font-size:.57rem;font-weight:800;letter-spacing:.045em;white-space:nowrap}
.form-card__meta span:last-child{border-color:rgba(213,170,82,.24);color:#75551e;background:#fff8e9}
.form-grid--hero{
  grid-template-columns:repeat(12,minmax(0,1fr));gap:13px 14px;padding:16px;border:1px solid rgba(16,32,51,.075);
  border-radius:19px;background:linear-gradient(145deg,rgba(247,248,250,.88),rgba(255,255,255,.98));box-shadow:inset 0 1px 0 #fff,0 12px 34px rgba(4,17,31,.035)
}
.form-grid--hero>.field--third{grid-column:span 4}
.form-grid--hero>.field--quarter{grid-column:span 3}
.form-grid--hero>.field--contact{grid-column:span 6}
.form-grid--hero>.field--full{grid-column:1/-1}
.form-card--hero fieldset.field{min-width:0;margin:0;padding:0;border:0}
.form-card--hero .field>label,.form-card--hero .fieldset-label{display:flex;align-items:center;gap:7px;margin-bottom:7px;color:var(--navy-900);font-size:.7rem;font-weight:800;letter-spacing:-.01em}
.form-card--hero .field>label::before,.form-card--hero .fieldset-label::before{width:4px;height:4px;content:"";border-radius:50%;background:var(--gold-500);box-shadow:0 0 0 4px rgba(213,170,82,.09)}
.form-card--hero .field:focus-within>label,.form-card--hero .field:focus-within>.fieldset-label{color:#8a6423}
.form-card--hero .optional{margin-left:auto;font-size:.61rem}
.form-card--hero .field input,.form-card--hero .field select{
  min-height:52px;padding:10px 13px;border-color:rgba(16,32,51,.12);border-radius:14px;background:linear-gradient(180deg,#fff,#fbfcfd);
  box-shadow:inset 0 1px 0 #fff,0 7px 20px rgba(4,17,31,.045);font-size:.88rem;transition:border-color .22s ease,box-shadow .22s ease,transform .22s ease
}
.form-card--hero .field input::placeholder{color:#97a0ab}
.form-card--hero .field input:hover,.form-card--hero .field select:hover{border-color:rgba(213,170,82,.5);box-shadow:inset 0 1px 0 #fff,0 10px 26px rgba(4,17,31,.065);transform:translateY(-1px)}
.form-card--hero .field input:focus,.form-card--hero .field select:focus{border-color:var(--gold-500);box-shadow:0 0 0 4px rgba(213,170,82,.12),0 14px 30px rgba(4,17,31,.07);transform:none}
.form-card--hero .field textarea{min-height:76px;max-height:120px;padding:10px 12px}
.form-card--hero .choice-row{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:5px}
.form-card--hero .choice{
  position:relative;display:grid;min-width:0;min-height:52px;grid-template-columns:16px minmax(0,1fr);gap:5px;align-items:center;
  padding:9px 8px;border-color:rgba(16,32,51,.1);border-radius:14px;background:linear-gradient(180deg,#fff,#f8fafb);
  box-shadow:inset 0 1px 0 #fff,0 7px 18px rgba(4,17,31,.035);font-size:.63rem;overflow:hidden
}
.form-card--hero .choice input{position:absolute;width:1px;height:1px;opacity:0;pointer-events:none}
.form-card--hero .choice::after{position:absolute;top:7px;right:7px;width:7px;height:7px;content:"";border:1px solid rgba(16,32,51,.22);border-radius:50%;background:#fff;transition:.2s ease}
.form-card--hero .choice__icon{width:16px;height:16px;color:#7d8997;transition:.2s ease}
.form-card--hero .choice span{min-width:0;color:var(--navy-800);font-weight:800;white-space:nowrap}
.form-card--hero .choice:has(input:checked){border-color:rgba(213,170,82,.58);background:linear-gradient(145deg,#fffdf8,#fff5dc);box-shadow:inset 0 1px 0 #fff,0 9px 24px rgba(213,170,82,.12)}
.form-card--hero .choice:has(input:checked)::after{border-color:var(--gold-500);background:var(--gold-500);box-shadow:0 0 0 3px rgba(213,170,82,.13)}
.form-card--hero .choice:has(input:checked) .choice__icon{color:var(--gold-500)}
.form-card--hero .choice:has(input:focus-visible){outline:3px solid rgba(213,170,82,.25);outline-offset:2px}
.form-card--hero .field-help{margin-top:4px;font-size:.62rem;line-height:1.35}
.form-card--hero .char-counter{position:static;margin-top:-15px;padding-right:5px;pointer-events:none}
.consent-list--hero{grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;margin-top:14px}
.consent-list--hero .consent{height:100%;padding:10px;border:1px solid rgba(16,32,51,.08);border-radius:11px;background:rgba(247,248,250,.78);font-size:.63rem;line-height:1.4}
.consent-list--hero .consent:has(input:checked){border-color:rgba(213,170,82,.34);background:#fff9ec}
.consent-list--hero>.field-error{grid-column:1/-1;margin-top:0}
.form-card__actions-v3{display:grid;grid-template-columns:minmax(240px,.78fr) minmax(0,1.22fr);gap:16px;align-items:center;margin-top:14px;padding-top:14px;border-top:1px solid var(--border)}
.form-card__actions-v3 .form-submit{width:100%;margin-top:0}
.form-card__actions-v3 .form-footnote{margin-top:0;text-align:left}
.transparency-strip{margin-top:-50px}
.transparency-strip__inner{padding:9px;border-color:rgba(16,32,51,.08);border-radius:24px;background:rgba(255,255,255,.9);box-shadow:0 28px 80px rgba(4,17,31,.13);backdrop-filter:blur(14px)}
.transparency-item{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:start;padding:23px 20px}
.transparency-item__icon{display:grid;width:42px;height:42px;place-items:center;border:1px solid rgba(213,170,82,.2);border-radius:13px;color:var(--gold-500);background:linear-gradient(145deg,#fffaf0,#f8edcf)}
.transparency-item strong{margin-top:2px}
.feature-list{gap:12px}
.feature-item{position:relative;padding:19px;border-color:rgba(16,32,51,.07);background:rgba(255,255,255,.7);overflow:hidden}
.feature-item::after{position:absolute;right:-20px;bottom:-36px;width:100px;height:100px;content:"";border:1px solid rgba(213,170,82,.1);border-radius:50%}
.feature-item:hover{border-color:rgba(213,170,82,.3);background:#fff;transform:translateX(4px)}
.feature-number{border-color:rgba(213,170,82,.22);background:linear-gradient(145deg,#fffaf0,#f3e4bf);font-size:1.12rem}
.approach-visual>img{border:1px solid rgba(228,193,120,.2);box-shadow:0 34px 90px rgba(4,17,31,.18)}
.approach-visual::before{position:absolute;z-index:1;top:20px;right:20px;width:76px;height:76px;content:"";border:1px solid rgba(228,193,120,.3);border-radius:50%;box-shadow:0 0 0 12px rgba(228,193,120,.045)}
.quote-card{right:-24px;bottom:34px;border-color:rgba(228,193,120,.3);background:linear-gradient(145deg,rgba(3,13,24,.97),rgba(11,36,61,.96));backdrop-filter:blur(14px)}
.approach-visual--photo{isolation:isolate;padding:16px 16px 34px 34px}
.approach-visual--photo::after{position:absolute;z-index:-1;inset:0 34px 22px 0;content:"";border:1px solid rgba(213,170,82,.34);border-radius:var(--radius-lg);background:var(--navy-900)}
.approach-visual--photo>img{min-height:560px;filter:saturate(.82) contrast(1.03)}
.photo-context-v3{
  position:absolute;top:34px;left:52px;display:grid;padding:12px 15px;border:1px solid rgba(255,255,255,.16);border-radius:12px;
  color:#fff;background:rgba(4,17,31,.72);box-shadow:0 14px 34px rgba(0,0,0,.18);backdrop-filter:blur(12px)
}
.photo-context-v3 small{color:var(--gold-400);font-size:.56rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase}
.photo-context-v3 strong{margin-top:3px;font-family:var(--font-serif);font-size:1.15rem;font-weight:600}

/* V4.2 balanced approach composition */
@media(min-width:769px){
  .home-approach{padding-block:86px}
  .home-approach .grid-2{
    grid-template-columns:minmax(0,.96fr) minmax(0,1.04fr);
    gap:42px;align-items:stretch
  }
  .home-approach .grid-2>div{display:flex;min-width:0;flex-direction:column}
  .home-approach .feature-list{flex:1;gap:9px;margin-top:22px}
  .home-approach .feature-item{align-items:center;padding:15px 17px}
  .home-approach .feature-item p{margin-top:3px;font-size:.81rem;line-height:1.48}
  .home-approach .approach-visual--photo{
    min-height:540px;align-self:stretch;padding:16px 16px 30px 30px
  }
  .home-approach .approach-visual--photo>img{
    position:absolute;inset:16px 16px 30px 30px;
    width:calc(100% - 46px);height:calc(100% - 46px);min-height:0;
    object-fit:cover;object-position:center
  }
  .home-approach .approach-visual--photo::after{inset:0 30px 18px 0}
  .home-approach .photo-context-v3{top:34px;left:48px}
  .home-approach .quote-card{right:0;bottom:12px}
}

.card{overflow:hidden;border-color:rgba(16,32,51,.09);box-shadow:0 12px 36px rgba(4,17,31,.055)}
.card::before{position:absolute;top:0;right:0;left:0;height:1px;content:"";background:linear-gradient(90deg,transparent,rgba(213,170,82,.55),transparent);opacity:0;transition:opacity .3s ease}
.card:hover::before{opacity:1}
.card-icon{position:relative;width:56px;height:56px;border-color:rgba(213,170,82,.2);background:linear-gradient(145deg,#fffaf0,#f4e5c1);font-size:1.2rem}
.card-icon::after{position:absolute;inset:5px;content:"";border:1px solid rgba(213,170,82,.09);border-radius:11px}
.services-v2-grid{grid-template-columns:1.2fr .8fr .8fr;grid-template-rows:auto auto}
.service-card{min-height:300px}
.service-card--featured{grid-row:span 2;min-height:624px;padding:38px;color:#fff;border-color:rgba(228,193,120,.2);background:linear-gradient(180deg,rgba(3,13,24,.3),rgba(3,13,24,.96) 58%),linear-gradient(90deg,rgba(3,13,24,.78),rgba(3,13,24,.22)),url("../images/trust-interior-v3.webp") center/cover no-repeat}
.service-card--featured::after{position:absolute;right:-100px;bottom:-120px;width:340px;height:340px;content:"";border:1px solid rgba(228,193,120,.1);border-radius:50%;box-shadow:0 0 0 50px rgba(228,193,120,.025)}
.service-card--featured h3{position:relative;z-index:1;max-width:360px;margin-top:96px;font-family:var(--font-serif);font-size:2.28rem;font-weight:600}
.service-card--featured p{color:rgba(255,255,255,.67)}
.service-card--featured .card-icon{color:var(--gold-400);border-color:rgba(228,193,120,.26);background:rgba(228,193,120,.08)}
.service-card--featured .text-link{color:var(--gold-400)}
.service-card--featured .card-note{border-color:rgba(255,255,255,.1)}
.service-card--wide{grid-column:span 2;min-height:300px}
.service-card__index{position:absolute;top:28px;right:28px;color:rgba(16,32,51,.18);font-family:var(--font-serif);font-size:2.4rem;font-style:italic;font-weight:700;line-height:1}
.service-card--featured .service-card__index{color:rgba(255,255,255,.12)}
.process-line{counter-reset:process}
.process-line::before{height:2px;background:linear-gradient(90deg,rgba(213,170,82,.2),var(--gold-400),rgba(213,170,82,.2));box-shadow:0 0 18px rgba(213,170,82,.16);transform:scaleX(0);transform-origin:left;transition:transform 1.2s cubic-bezier(.2,.8,.2,1)}
.process-line.is-active::before{transform:scaleX(1)}
.process-step__number{position:relative;background:#fff;box-shadow:0 0 0 9px var(--ivory-100),0 10px 24px rgba(4,17,31,.08)}
.process-step__number::after{position:absolute;inset:5px;content:"";border:1px solid rgba(213,170,82,.13);border-radius:50%}
.dark-feature{background:radial-gradient(circle at 75% 25%,rgba(228,193,120,.08),transparent 30%),linear-gradient(135deg,var(--navy-975),var(--navy-900))}
.dark-feature .card{backdrop-filter:blur(8px)}
.dark-feature .card-icon{color:var(--gold-400);border-color:rgba(228,193,120,.22);background:rgba(228,193,120,.075)}
.accordion-button{font-size:.96rem}
.accordion-button::after{border-color:rgba(16,32,51,.1);background:var(--surface)}
.final-cta{padding:82px;background:radial-gradient(circle at 82% 18%,rgba(228,193,120,.16),transparent 27%),linear-gradient(125deg,var(--navy-975),var(--navy-800));box-shadow:0 34px 90px rgba(4,17,31,.2)}
.final-cta::before{position:absolute;inset:0;content:"";opacity:.18;background-image:linear-gradient(rgba(255,255,255,.08) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.08) 1px,transparent 1px);background-size:54px 54px;mask-image:linear-gradient(90deg,transparent,black)}