:root {
  --paper: #FAF8F3;
  --ink: #16213A;
  --ink-soft: #4A5372;
  --line: #DDD8CC;
  --amber: #E2A63B;
  --amber-deep: #C4841F;
  --sage: #6E8C6A;
  --white: #FFFFFF;
  --radius: 10px;
  --max: 1100px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  background: var(--paper);
  color: var(--ink);
  font-family: 'IBM Plex Sans', sans-serif;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, .display {
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--ink);
}

.mono { font-family: 'IBM Plex Mono', monospace; }

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

.wrap {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 28px;
}

/* ============ INSTITUTIONAL NAV ============ */
.top-bar {
  background: var(--ink);
  color: rgba(250,248,243,0.75);
  font-size: 0.76rem;
  letter-spacing: 0.03em;
  padding: 7px 0;
}
.top-bar .wrap {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px;
}

header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}

nav.wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
}

.logo {
  display: flex;
  align-items: baseline;
  gap: 10px;
}
.logo-name {
  font-family: 'IBM Plex Serif', serif;
  font-weight: 600;
  font-size: 1.28rem;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.logo-sub {
  font-family: 'IBM Plex Sans', sans-serif;
  font-size: 0.68rem;
  font-weight: 500;
  color: var(--ink-soft);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  border-left: 1px solid var(--line);
  padding-left: 10px;
}

.nav-links {
  display: flex;
  gap: 34px;
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink);
}
.nav-links a { padding: 4px 0; border-bottom: 2px solid transparent; }
.nav-links a:hover { border-bottom-color: var(--amber-deep); }

.nav-cta {
  background: var(--ink);
  color: var(--paper) !important;
  padding: 12px 24px;
  border-radius: 3px;
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  white-space: nowrap;
}
.nav-cta:hover { background: #232f52; }

@media (max-width: 800px) {
  .nav-links { display: none; }
  .logo-sub { display: none; }
}

/* ============ HERO ============ */
.hero {
  padding: 88px 0 72px;
  border-bottom: 1px solid var(--line);
  background: var(--white);
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--sage);
  background: rgba(110,140,106,0.1);
  border: 1px solid rgba(110,140,106,0.25);
  padding: 6px 14px;
  border-radius: 3px;
  margin-bottom: 28px;
}
.eyebrow::before {
  content: "";
  width: 6px;
  height: 6px;
  background: var(--sage);
  border-radius: 50%;
}

.hero h1 {
  font-size: clamp(2.4rem, 5vw, 3.6rem);
  line-height: 1.08;
  max-width: 760px;
  margin-bottom: 24px;
}
.hero h1 em { font-style: normal; color: var(--amber-deep); }

.hero p.sub {
  font-size: 1.15rem;
  color: var(--ink-soft);
  max-width: 580px;
  margin-bottom: 36px;
}

.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 56px; }

.btn-primary {
  background: var(--ink);
  color: var(--paper);
  padding: 14px 28px;
  border-radius: 3px;
  font-weight: 600;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border: none;
  cursor: pointer;
}
.btn-primary:hover { background: #232f52; }

.btn-secondary {
  background: transparent;
  color: var(--ink);
  padding: 14px 28px;
  border-radius: 3px;
  font-weight: 600;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border: 1px solid var(--line);
  cursor: pointer;
}
.btn-secondary:hover { border-color: var(--ink); }

.trust-row { display: flex; gap: 40px; flex-wrap: wrap; color: var(--ink-soft); font-size: 0.88rem; }
.trust-row span { display: flex; align-items: center; gap: 8px; }
.trust-row .dot { width: 5px; height: 5px; background: var(--sage); border-radius: 50%; }

/* ============ POSITIONING BAND ============ */
.gap-section {
  padding: 64px 0;
  border-bottom: 1px solid var(--line);
}
.gap-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}
@media (max-width: 800px) { .gap-grid { grid-template-columns: 1fr; } }
.gap-col {
  background: var(--white);
  padding: 32px 28px;
}
.gap-col.us { background: #FBF3E3; }
.gap-col-label {
  font-size: 0.74rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--ink-soft);
  margin-bottom: 14px;
}
.gap-col.us .gap-col-label { color: var(--amber-deep); }
.gap-col h3 { font-size: 1.15rem; margin-bottom: 10px; }
.gap-col p { font-size: 0.92rem; color: var(--ink-soft); }

/* ============ FEE COMPARISON ============ */
.fee-section { padding: 80px 0; border-bottom: 1px solid var(--line); }

.section-head { max-width: 640px; margin-bottom: 48px; }
.section-head h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin-bottom: 14px; }
.section-head p { color: var(--ink-soft); font-size: 1.05rem; }

.fee-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 40px; }

.fee-toggle { display: flex; justify-content: center; margin-bottom: 36px; }
.fee-toggle-inner { display: flex; background: var(--paper); border: 1px solid var(--line); border-radius: 100px; padding: 4px; }
.fee-toggle button {
  border: none; background: transparent; padding: 8px 20px; border-radius: 100px;
  font-size: 0.88rem; font-family: 'IBM Plex Sans', sans-serif; font-weight: 500;
  color: var(--ink-soft); cursor: pointer;
}
.fee-toggle button.active { background: var(--ink); color: var(--paper); }

.fee-compare { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
@media (max-width: 640px) { .fee-compare { grid-template-columns: 1fr; } }

.fee-col { text-align: center; }
.fee-col-label { font-size: 0.85rem; color: var(--ink-soft); margin-bottom: 12px; text-transform: uppercase; letter-spacing: 0.04em; }
.fee-amount { font-family: 'IBM Plex Mono', monospace; font-size: 2.6rem; font-weight: 500; margin-bottom: 8px; }
.fee-col.them .fee-amount { color: var(--ink-soft); }
.fee-col.us .fee-amount { color: var(--amber-deep); }
.fee-note { font-size: 0.85rem; color: var(--ink-soft); }

.fee-bar-track { height: 10px; background: var(--paper); border: 1px solid var(--line); border-radius: 100px; overflow: hidden; margin: 16px 0; }
.fee-bar-fill { height: 100%; border-radius: 100px; transition: width 0.5s ease; }
.fee-col.them .fee-bar-fill { background: var(--ink-soft); }
.fee-col.us .fee-bar-fill { background: var(--amber); }

.fee-result { text-align: center; margin-top: 32px; padding-top: 32px; border-top: 1px dashed var(--line); font-size: 1.05rem; }
.fee-result .mono { color: var(--sage); font-weight: 500; }

/* ============ HOW IT WORKS ============ */
.how-section { padding: 80px 0; border-bottom: 1px solid var(--line); }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; } }
.step { padding: 28px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); }
.step-num { font-family: 'IBM Plex Mono', monospace; color: var(--amber-deep); font-size: 0.9rem; margin-bottom: 16px; display: block; }
.step h3 { font-size: 1.15rem; margin-bottom: 10px; }
.step p { color: var(--ink-soft); font-size: 0.95rem; }

/* ============ SNAPSHOT ============ */
.snapshot-section { padding: 80px 0; border-bottom: 1px solid var(--line); }
.snapshot-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
@media (max-width: 760px) { .snapshot-grid { grid-template-columns: 1fr; } }
.plan-list { display: flex; flex-direction: column; gap: 14px; }
.plan-item { display: flex; align-items: center; gap: 14px; padding: 16px 18px; background: var(--white); border: 1px solid var(--line); border-radius: 8px; }
.plan-check { width: 20px; height: 20px; border-radius: 5px; background: var(--sage); flex-shrink: 0; position: relative; }
.plan-check::after { content: ""; position: absolute; left: 6px; top: 3px; width: 5px; height: 9px; border: solid white; border-width: 0 2px 2px 0; transform: rotate(45deg); }
.plan-item span { font-size: 0.95rem; color: var(--ink); }

/* ============ FUNDS GRID (index page) ============ */
.funds-section { padding: 80px 0; border-bottom: 1px solid var(--line); }
.funds-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 900px) { .funds-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .funds-grid { grid-template-columns: 1fr; } }

.fund-card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px; display: flex; flex-direction: column;
  transition: border-color 0.15s ease, transform 0.15s ease;
}
.fund-card:hover { border-color: var(--ink); transform: translateY(-2px); }

.fund-tag {
  display: inline-block; align-self: flex-start; font-size: 0.75rem; font-weight: 500;
  text-transform: uppercase; letter-spacing: 0.04em; padding: 5px 12px; border-radius: 100px; margin-bottom: 16px;
}
.fund-tag.equities { background: rgba(226,166,59,0.15); color: var(--amber-deep); }
.fund-tag.bonds { background: rgba(110,140,106,0.15); color: var(--sage); }
.fund-tag.crypto { background: rgba(22,33,58,0.1); color: var(--ink); }
.fund-tag.forex { background: rgba(226,166,59,0.15); color: var(--amber-deep); }
.fund-tag.reit { background: rgba(110,140,106,0.15); color: var(--sage); }
.fund-tag.balanced { background: rgba(22,33,58,0.1); color: var(--ink); }

.fund-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.fund-card p { color: var(--ink-soft); font-size: 0.9rem; flex-grow: 1; margin-bottom: 18px; }

.fund-meta { display: flex; justify-content: space-between; border-top: 1px dashed var(--line); padding-top: 14px; margin-bottom: 16px; }
.fund-meta span { display: flex; flex-direction: column; gap: 4px; font-size: 0.9rem; }
.fund-meta-label { font-size: 0.72rem; color: var(--ink-soft); text-transform: uppercase; letter-spacing: 0.03em; }

.fund-link { font-size: 0.82rem; font-weight: 600; color: var(--ink); text-transform: uppercase; letter-spacing: 0.04em; }
.fund-link::after { content: " →"; }

/* ============ FUND DETAIL PAGE ============ */
.fund-hero {
  padding: 56px 0 48px;
  border-bottom: 1px solid var(--line);
  background: var(--white);
}
.breadcrumb { font-size: 0.82rem; color: var(--ink-soft); margin-bottom: 24px; }
.breadcrumb a:hover { color: var(--ink); }

.fund-hero-top { display: flex; justify-content: space-between; align-items: flex-end; flex-wrap: wrap; gap: 24px; margin-bottom: 40px; }
.fund-hero h1 { font-size: clamp(2rem, 4vw, 2.9rem); margin-bottom: 14px; }
.fund-hero p.sub { color: var(--ink-soft); font-size: 1.08rem; max-width: 620px; }

.stat-grid { display: grid; grid-template-columns: repeat(4, 1fr); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: var(--line); gap: 1px; }
@media (max-width: 760px) { .stat-grid { grid-template-columns: repeat(2, 1fr); } }
.stat-cell { background: var(--white); padding: 22px 24px; }
.stat-cell .stat-label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--ink-soft); margin-bottom: 8px; }
.stat-cell .stat-value { font-family: 'IBM Plex Mono', monospace; font-size: 1.5rem; color: var(--ink); }
.stat-cell.highlight .stat-value { color: var(--amber-deep); }

.fund-body { padding: 72px 0; border-bottom: 1px solid var(--line); }
.fund-body-grid { display: grid; grid-template-columns: 1.3fr 1fr; gap: 56px; }
@media (max-width: 860px) { .fund-body-grid { grid-template-columns: 1fr; } }

.fund-body h2 { font-size: 1.6rem; margin-bottom: 18px; }
.fund-body-text p { color: var(--ink-soft); font-size: 1rem; margin-bottom: 18px; }
.fund-body-text h3 { font-size: 1.1rem; margin: 28px 0 14px; }

.allocation-list { display: flex; flex-direction: column; gap: 16px; }
.allocation-item { display: flex; flex-direction: column; gap: 6px; }
.allocation-top { display: flex; justify-content: space-between; font-size: 0.92rem; }
.allocation-top .pct { font-family: 'IBM Plex Mono', monospace; color: var(--amber-deep); }
.allocation-bar-track { height: 8px; background: var(--paper); border: 1px solid var(--line); border-radius: 100px; overflow: hidden; }
.allocation-bar-fill { height: 100%; background: var(--ink); border-radius: 100px; }

.side-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; margin-bottom: 20px; }
.side-card h3 { font-size: 1rem; margin-bottom: 14px; text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.8rem; color: var(--ink-soft); }
.side-row { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px dashed var(--line); font-size: 0.92rem; }
.side-row:last-child { border-bottom: none; }
.side-row .val { font-family: 'IBM Plex Mono', monospace; }

.risk-badge {
  display: inline-block; padding: 4px 12px; border-radius: 100px; font-size: 0.78rem; font-weight: 600;
}
.risk-low { background: rgba(110,140,106,0.15); color: var(--sage); }
.risk-moderate { background: rgba(226,166,59,0.15); color: var(--amber-deep); }
.risk-high { background: rgba(196,64,64,0.12); color: #B5453F; }

/* ============ FAQ ============ */
.faq-section { padding: 80px 0; border-bottom: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); padding: 22px 0; }
.faq-q { display: flex; justify-content: space-between; align-items: center; cursor: pointer; font-weight: 500; font-size: 1.02rem; }
.faq-q .icon { font-family: 'IBM Plex Mono', monospace; font-size: 1.2rem; color: var(--ink-soft); transition: transform 0.2s ease; }
.faq-item.open .faq-q .icon { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.25s ease; color: var(--ink-soft); font-size: 0.95rem; }
.faq-item.open .faq-a { max-height: 220px; padding-top: 12px; }

/* ============ CTA ============ */
.cta-section { padding: 88px 0; text-align: center; }
.cta-section h2 { font-size: clamp(1.8rem, 4vw, 2.6rem); margin-bottom: 18px; }
.cta-section p { color: var(--ink-soft); font-size: 1.05rem; max-width: 480px; margin: 0 auto 32px; }

footer {
  border-top: 1px solid var(--line);
  padding: 32px 0;
  font-size: 0.85rem;
  color: var(--ink-soft);
}
.footer-inner { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; }

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; scroll-behavior: auto !important; }
}

:focus-visible { outline: 2px solid var(--amber-deep); outline-offset: 2px; }