/* ─── Reset & Tokens ───────────────────────────────────────── */
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    :root {
      --white:       #ffffff;
      --beige-50:    #f5f3eb;
      --beige-100:   #eae6d8;
      --black:       #0a0a0a;
      --dark:        #111111;
      --gray-80:     #333333;
      --gray-60:     #666666;
      --gray-40:     #cccccc;
      --gray-20:     #e5e5e5;
      --gray-10:     #f4f4f4;
      --red:         #d7292e;
      --accent:      #5a5652;
      --font:        'Newsreader', Georgia, serif;
      --font-ui:     'IBM Plex Sans', Verdana, sans-serif;
      --font-title:  'Sofia Sans Condensed', 'IBM Plex Sans', sans-serif;
      --container:   1140px;
      --nav-h:       80px;
      --radius:      4px;
    }

    html { font-size: 16px; scroll-behavior: smooth; -webkit-font-smoothing: antialiased; overflow-x: hidden; }

    body {
      font-family: var(--font);
      color: var(--dark);
      background: var(--white);
      line-height: 1.65;
      overflow-x: hidden;
    }

    img { max-width: 100%; display: block; }
    a { text-decoration: none; color: inherit; }
    button { cursor: pointer; font-family: var(--font-ui); }
    a, [onclick] { cursor: pointer; }


    /* ─── Container ────────────────────────────────────────────── */
    .container {
      max-width: var(--container);
      margin: 0 auto;
      padding: 0 40px;
    }

    /* ─── NAV ──────────────────────────────────────────────────── */
    .nav {
      position: fixed;
      top: 0; left: 0; right: 0;
      z-index: 1000;
      height: var(--nav-h);
      background: rgba(255,255,255,0.96);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid var(--gray-20);
    }
    .nav-inner {
      max-width: var(--container);
      margin: 0 auto;
      padding: 0 40px;
      height: 100%;
      display: flex;
      align-items: center;
      justify-content: space-between;
    }
    .nav-left {
      display: flex;
      align-items: center;
      gap: 28px;
    }
    .nav-logo img { height: 36px; width: auto; cursor: pointer; }

    .nav-links {
      display: flex;
      align-items: center;
      gap: 0;
      list-style: none;
    }
    .nav-links > li { position: relative; }
    .nav-links > li > a,
    .nav-links > li > button {
      display: flex;
      align-items: center;
      gap: 4px;
      padding: 8px 16px;
      font-size: 14px;
      font-family: var(--font-ui);
      font-weight: 500;
      letter-spacing: 0.04em;
      text-transform: uppercase;
      color: var(--gray-80);
      background: none;
      border: none;
      border-radius: var(--radius);
      transition: color 0.18s, background 0.18s;
      cursor: pointer;
      white-space: nowrap;
    }
    .nav-links > li > a:hover,
    .nav-links > li > button:hover { color: var(--dark); background: var(--gray-10); }
    .nav-links > li > a.active,
    .nav-links > li > button.active { color: var(--dark); }

    .nav-chevron { font-size: 23px; transition: transform 0.2s; }
    .dropdown-open .nav-chevron { transform: rotate(180deg); }

    /* Dropdown */
    .dropdown {
      position: absolute;
      top: 100%;
      left: 0;
      background: var(--white);
      border: 1px solid var(--gray-20);
      border-radius: 8px;
      min-width: 220px;
      padding: 16px 0 8px;
      box-shadow: 0 8px 32px rgba(0,0,0,0.1);
      opacity: 0;
      transform: translateY(-6px);
      pointer-events: none;
      transition: opacity 0.18s, transform 0.18s;
    }
    .dropdown-open .dropdown { opacity: 1; transform: none; pointer-events: auto; }
    .dropdown-parent:hover .dropdown { opacity: 1; transform: none; pointer-events: auto; }
    .dropdown-parent:hover .nav-chevron { transform: rotate(180deg); }
    .dropdown a {
      display: block;
      padding: 10px 20px;
      font-size: 13.5px;
      font-weight: 400;
      color: var(--gray-80);
      transition: background 0.15s, color 0.15s;
    }
    .dropdown a:hover { background: var(--gray-10); color: var(--dark); }

    /* Sub-dropdown (flyout) */
    .dropdown-sub {
      position: relative;
    }
    .dropdown-sub > a {
      display: flex;
      justify-content: space-between;
      align-items: center;
    }
    .dropdown-sub > a::after {
      content: '›';
      font-size: 16px;
      margin-left: 12px;
      color: var(--gray-40);
    }
    .dropdown-sub .sub-menu {
      position: absolute;
      left: 100%;
      top: -8px;
      background: var(--white);
      border: 1px solid var(--gray-20);
      border-radius: 8px;
      min-width: 200px;
      padding: 8px 0;
      box-shadow: 0 8px 32px rgba(0,0,0,0.1);
      opacity: 0;
      transform: translateX(-6px);
      pointer-events: none;
      transition: opacity 0.18s, transform 0.18s;
    }
    .dropdown-sub:hover > .sub-menu {
      opacity: 1;
      transform: none;
      pointer-events: auto;
    }
    .dropdown-sub:hover > a {
      background: var(--gray-10);
      color: var(--dark);
    }
    .sub-menu a {
      display: block;
      padding: 10px 20px;
      font-size: 13.5px;
      font-weight: 400;
      color: var(--gray-80);
    }
    .sub-menu a:hover { background: var(--gray-10); color: var(--dark); }

    /* Nav CTA */
    .nav-cta {
      padding: 10px 24px;
      font-size: 13.5px;
      font-weight: 600;
      font-family: var(--font-ui);
      color: var(--white) !important;
      background: var(--dark) !important;
      border-radius: 100px;
      transition: background 0.18s !important;
    }
    .nav-cta:hover { background: var(--gray-80) !important; }

    .nav-right {
      display: flex;
      align-items: center;
      gap: 6px;
    }

    /* Lang toggle */
    .nav-lang {
      font-size: 13px;
      font-weight: 500;
      color: var(--gray-60);
      padding: 8px 10px;
      cursor: pointer;
      border: none;
      background: none;
      letter-spacing: 0.03em;
    }
    .nav-lang:hover { color: var(--dark); }

    /* Lang toggle (new) */
    .lang-toggle { display: flex; align-items: center; gap: 4px; margin-right: 8px; }
    .lang-btn { background: none; border: none; cursor: pointer; font-family: var(--font-ui); font-size: 15px; font-weight: 500; letter-spacing: 0.08em; color: var(--gray-80); padding: 8px 2px; transition: color 0.18s; }
    .lang-btn:hover { color: var(--dark); }
    .lang-btn.active { color: var(--dark); font-weight: 500; }
    .lang-sep { font-size: 15px; color: var(--gray-80); opacity: 0.3; }

    /* ─── Hero ─────────────────────────────────────────────────── */
    .hero {
      position: relative;
      min-height: 100vh;
      display: flex;
      flex-direction: column;
      align-items: center;
      justify-content: center;
      overflow: hidden;
      background-image:
        linear-gradient(to bottom, rgba(0,0,0,0.2) 0%, rgba(0,0,0,0.1) 50%, rgba(0,0,0,0.35) 100%),
        url('../images/montreal.jpg');
      background-position: center 10%;
      background-size: cover, cover;
      background-repeat: no-repeat, no-repeat;
      padding: var(--nav-h) 40px 100px;
    }
    .hero-bg { display: none; }
    .hero-content {
      position: relative;
      z-index: 2;
      text-align: center;
      max-width: 820px;
      width: 100%;
    }
    .hero-eyebrow {
      display: block;
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 0.16em;
      text-transform: uppercase;
      color: rgba(255,255,255,0.75);
      margin-bottom: 28px;
      opacity: 0;
      animation: fadeUp 0.7s ease 0.1s forwards;
    }
    .hero-heading {
      font-family: var(--font-title);
      font-size: clamp(3rem, 7vw, 5.5rem);
      font-weight: 700;
      line-height: 1.12;
      margin-bottom: 28px;
      letter-spacing: -0.02em;
      color: var(--white);
    }
    .hero-heading .hero-line { display: block; }
    .hero-heading .hero-line:nth-child(1) { opacity: 0; animation: fadeUp 0.7s ease 0.25s forwards; }
    .hero-heading .hero-line:nth-child(2) { opacity: 0; animation: fadeUp 0.7s ease 0.4s forwards; }
    .hero-heading .hero-line:nth-child(3) { opacity: 0; animation: fadeUp 0.7s ease 0.55s forwards; }
    .hero-heading em { font-style: italic; font-weight: 500; }
    .hero-tagline {
      font-family: var(--font-body);
      font-size: clamp(1rem, 2vw, 1.2rem);
      font-weight: 400;
      color: rgba(255,255,255,0.85);
      margin-bottom: 32px;
      letter-spacing: 0.02em;
      line-height: 1.5;
    }
    .hero-body {
      font-size: 17px;
      font-weight: 300;
      color: rgba(255,255,255,0.95);
      line-height: 1.8;
      margin: 0 auto 40px;
      max-width: 540px;
      opacity: 0;
      animation: fadeUp 0.7s ease 0.65s forwards;
    }
    .hero-actions {
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 16px;
      margin-top: 48px;
    }
    .hero-actions .btn-primary,
    .hero-actions .btn-outline {
      flex: 1;
      max-width: 260px;
      justify-content: center;
      opacity: 0;
      animation: fadeUp 0.7s ease 0.8s forwards;
      font-size: 17px;
      padding: 16px 32px;
    }
    .hero-scroll {
      position: absolute;
      bottom: 32px;
      left: 0;
      right: 0;
      margin: 0 auto;
      width: fit-content;
      display: flex;
      flex-direction: column;
      align-items: center;
      gap: 8px;
      font-size: 12px;
      font-weight: 600;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: rgba(255,255,255,0.95);
      z-index: 2;
      opacity: 0;
      animation: fadeUp 0.7s ease 1s forwards;
    }
    .hero-scroll svg { animation: scrollBounce 2s ease infinite; stroke: rgba(255,255,255,0.95); width: 24px; height: 24px; }
    .hero .btn-primary {
      background: var(--white);
      color: var(--dark);
    }
    .hero .btn-primary:hover { background: rgba(255,255,255,0.85); }
    .hero .btn-outline {
      color: var(--white);
      border-color: var(--white);
    }
    .hero .btn-outline:hover { background: var(--white); color: var(--dark); }
    @keyframes scrollBounce {
      0%, 100% { transform: translateY(0); }
      50% { transform: translateY(6px); }
    }
    @keyframes fadeUp {
      from { opacity: 0; transform: translateY(18px); }
      to   { opacity: 1; transform: translateY(0); }
    }
    .btn-primary {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      padding: 14px 28px;
      background: var(--dark);
      color: var(--white);
      font-size: 14px;
      font-weight: 600;
      letter-spacing: 0.02em;
      border-radius: var(--radius);
      border: none;
      transition: background 0.2s, gap 0.2s;
    }
    .btn-primary:hover { background: var(--gray-80); gap: 14px; }
    .btn-primary svg { flex-shrink: 0; }

    .btn-outline {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      padding: 13px 26px;
      background: transparent;
      color: var(--dark);
      font-size: 14px;
      font-weight: 600;
      border: 1.5px solid var(--dark);
      border-radius: var(--radius);
      transition: background 0.2s, color 0.2s, gap 0.2s;
    }
    .btn-outline:hover { background: var(--dark); color: var(--white); gap: 14px; }

    .btn-outline-white {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      padding: 13px 26px;
      background: transparent;
      color: var(--white);
      font-size: 14px;
      font-weight: 600;
      border: 1.5px solid rgba(255,255,255,0.5);
      border-radius: var(--radius);
      transition: background 0.2s, border-color 0.2s, gap 0.2s;
    }
    .btn-outline-white:hover { border-color: var(--white); background: rgba(255,255,255,0.08); gap: 14px; }

    /* CTA section: white pill button on beige background */
    .cta-section .btn-outline-white {
      background: var(--white) !important;
      color: var(--dark) !important;
      border: none !important;
      border-radius: 100px !important;
      padding: 12px 28px !important;
      font-family: var(--font-ui) !important;
      letter-spacing: 0.02em !important;
    }
    .cta-section .btn-outline-white:hover {
      background: var(--beige-100) !important;
      gap: 10px !important;
    }
    .cta-white .btn-outline-white {
      background: var(--beige-50) !important;
    }
    .cta-white .btn-outline-white:hover {
      background: var(--beige-100) !important;
    }
    /* No arrows inside CTA buttons or primary buttons */
    .btn-primary svg,
    .cta-section .btn-outline-white svg { display: none; }
    .btn-primary:hover { gap: 10px; }

    /* ─── Section scaffolding ───────────────────────────────────── */
    .section { padding: 96px 0; }
    .section-sm { padding: 64px 0; }
    .section-lg { padding: 128px 0; }

    .section-label {
      display: block;
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--accent);
      margin-bottom: 18px;
    }
    .section-heading {
      font-family: var(--font-title);
      font-size: clamp(1.75rem, 3.5vw, 2.5rem);
      font-weight: 300;
      line-height: 1.25;
      color: var(--dark);
      letter-spacing: -0.015em;
      margin-bottom: 20px;
    }
    .section-subheading {
      font-family: var(--font-title);
      font-size: clamp(1.4rem, 2.5vw, 1.875rem);
      font-weight: 300;
      line-height: 1.35;
      color: var(--dark);
      letter-spacing: -0.01em;
      margin-bottom: 16px;
    }
    .lead {
      font-size: 18px;
      font-weight: 300;
      color: var(--gray-80);
      line-height: 1.75;
      margin-bottom: 16px;
      max-width: 600px;
    }
    .body-text {
      font-size: 17px;
      color: var(--gray-60);
      line-height: 1.75;
      margin-bottom: 12px;
    }

    /* ─── Split layout ──────────────────────────────────────────── */
    .split {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 80px;
      align-items: start;
    }
    .split-wide { grid-template-columns: 2fr 3fr; }
    .split-narrow { grid-template-columns: 3fr 2fr; }

    /* ─── Page header (inner pages) ─────────────────────────────── */
    .page-hero {
      position: relative;
      padding: calc(var(--nav-h) + 80px) 0 80px;
      background: var(--beige-50);
      overflow: hidden;
    }
    #institutional .page-hero,
    #private-wealth .page-hero {
      height: 400px;
      display: flex;
      align-items: center;
      padding: 0;
    }
    #institutional .page-hero .page-hero-content,
    #private-wealth .page-hero .page-hero-content {
      padding-top: var(--nav-h);
      text-align: center;
    }
    .page-hero-dark {
      background: var(--dark);
      color: var(--white);
    }
    .page-hero-bg {
      position: absolute;
      inset: 0;
      background-size: cover;
      background-position: center;
      opacity: 0.12;
    }
    .page-hero-dark .page-hero-bg { opacity: 0.7; }
    .page-hero-content { position: relative; z-index: 2; }
    .page-hero-label {
      display: block;
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--accent);
      margin-bottom: 18px;
    }
    .page-hero-dark .page-hero-label { color: rgba(255,255,255,0.95); text-shadow: 0 1px 8px rgba(0,0,0,0.5); }
    .page-hero h1 {
      font-family: var(--font-title);
      font-size: clamp(2.25rem, 5vw, 3.5rem);
      font-weight: 300;
      line-height: 1.15;
      letter-spacing: -0.02em;
      color: var(--dark);
      max-width: 700px;
    }
    .page-hero-dark h1 { color: var(--white); text-shadow: 0 2px 16px rgba(0,0,0,0.6), 0 1px 3px rgba(0,0,0,0.4); }
    .page-hero-intro {
      font-size: 18px;
      font-weight: 300;
      color: var(--gray-60);
      line-height: 1.7;
      margin-top: 20px;
      max-width: 580px;
    }
    .page-hero-dark .page-hero-intro { color: rgba(255,255,255,0.95); text-shadow: 0 2px 10px rgba(0,0,0,0.5), 0 1px 3px rgba(0,0,0,0.3); }

    /* ─── Stats bar ─────────────────────────────────────────────── */
    .stats-bar {
      background: var(--dark);
      padding: 0;
    }
    .stats-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 0;
    }
    .stat-item {
      text-align: center;
      padding: 60px 32px 52px;
      border-right: 1px solid rgba(255,255,255,0.22);
      display: flex;
      flex-direction: column;
      align-items: center;
      justify-content: flex-start;
    }
    .stat-item:last-child { border-right: none; }
    .stat-number {
      display: block;
      font-size: clamp(2rem, 4vw, 3rem);
      font-weight: 300;
      color: #ffffff;
      line-height: 1;
      letter-spacing: -0.02em;
      margin-bottom: 10px;
      text-shadow: 0 0 20px rgba(255,255,255,0.3);
    }
    .stat-label {
      font-size: 15px;
      font-weight: 400;
      color: rgba(255,255,255,0.92);
      line-height: 1.4;
      display: block;
    }
    .stat-note {
      display: block;
      font-size: 12px;
      color: rgba(255,255,255,0.7);
      margin-top: 6px;
    }

    /* ─── Cards ─────────────────────────────────────────────────── */
    .cards-3 {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      grid-template-rows: auto 1fr auto;
      column-gap: 28px;
      row-gap: 20px;
      margin-top: 48px;
    }
    .cards-3 > .card {
      grid-row: span 3;
      display: grid;
      grid-template-rows: subgrid;
    }
    .cards-3 > .card h3 { margin-bottom: 0; }
    .cards-3 > .card p  { margin-bottom: 0; }
    .cards-2 {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      grid-template-rows: auto 1fr auto;
      column-gap: 28px;
      row-gap: 20px;
    }
    .cards-2 > .card {
      grid-row: span 3;
      display: grid;
      grid-template-rows: subgrid;
    }
    .cards-2 > .card h3 { margin-bottom: 0; }
    .cards-2 > .card p  { margin-bottom: 0; }
    .cards-4 {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 24px;
    }

    .card {
      background: var(--white);
      border: 1px solid var(--gray-20);
      border-radius: 6px;
      padding: 36px 32px;
      transition: box-shadow 0.2s, transform 0.2s;
      display: flex;
      flex-direction: column;
    }
    .card .text-link { margin-top: auto; }
    .card:hover { box-shadow: 0 8px 32px rgba(0,0,0,0.07); transform: translateY(-2px); }
    .card-beige { background: var(--beige-50); border-color: var(--beige-100); }
    .card-dark { background: var(--gray-80); border-color: transparent; color: var(--white); }

    .card-num {
      display: block;
      font-family: var(--font-title);
      font-size: 2.75rem;
      font-weight: 700;
      letter-spacing: -0.02em;
      color: var(--gray-20);
      line-height: 1;
      margin-bottom: 16px;
    }
    .card h3 {
      font-family: var(--font-title);
      font-size: 23px;
      font-weight: 600;
      color: var(--dark);
      margin-bottom: 12px;
      line-height: 1.25;
    }
    .card-dark h3 { color: var(--white); }
    .card p {
      font-size: 16px;
      color: var(--gray-60);
      line-height: 1.7;
    }
    .card-dark p { color: rgba(255,255,255,0.65); }

    /* ─── Strategy list items ───────────────────────────────────── */
    .strategy-list { border-top: 1px solid var(--gray-20); }
    .strategy-item {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 22px 0;
      border-bottom: 1px solid var(--gray-20);
      cursor: pointer;
      transition: padding-left 0.2s;
    }
    .strategy-item:hover { padding-left: 8px; }
    .strategy-name {
      font-size: 24px;
      font-family: 'Sofia Sans Condensed', sans-serif;
      font-weight: 500;
      color: var(--dark);
    }
    .strategy-desc {
      font-size: 16px;
      color: var(--gray-60);
      margin-top: 6px;
    }
    .section-dark .strategy-desc { color: rgba(255,255,255,0.55); }
    .section-dark .strategy-item { border-bottom-color: rgba(255,255,255,0.15); }
    .section-dark .strategy-list { border-top-color: rgba(255,255,255,0.15); }
    .section-dark .strategy-arrow { color: rgba(255,255,255,0.3); }
    .section-dark .strategy-item:hover .strategy-arrow { color: var(--white); }
    .strategy-arrow {
      font-size: 20px;
      color: var(--gray-40);
      transition: color 0.18s;
    }
    .strategy-item:hover .strategy-arrow { color: var(--dark); }

    /* ─── Team grid ─────────────────────────────────────────────── */
    /* ─── Team card grid (Webflow style) ────────────────────────── */
    .tcard-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 28px;
    }
    .tcard {
      cursor: pointer;
      background: var(--white);
      border: 1px solid var(--beige-100);
      border-radius: 4px;
      overflow: hidden;
      transition: box-shadow 0.2s, transform 0.2s;
      display: flex;
      flex-direction: column;
    }
    .tcard:hover { box-shadow: 0 8px 32px rgba(0,0,0,0.1); transform: translateY(-2px); }
    .tcard-photo {
      position: relative;
      width: 100%;
      aspect-ratio: 1 / 1;
      overflow: hidden;
      background: var(--beige-100);
    }
    .tcard-photo img {
      width: 100%; height: 100%;
      object-fit: cover;
      object-position: top center;
      transition: transform 0.4s;
      display: block;
    }
    .tcard:hover .tcard-photo img { transform: scale(1.04); }
    .tcard-overlay {
      position: absolute; inset: 0;
      background: linear-gradient(to top, rgba(10,10,10,0.55) 0%, transparent 55%);
      opacity: 0; transition: opacity 0.3s;
      display: flex; align-items: flex-end; padding: 16px;
    }
    .tcard:hover .tcard-overlay { opacity: 1; }
    .tcard-overlay span {
      font-size: 11px; font-weight: 600; color: var(--white);
      letter-spacing: 0.1em; text-transform: uppercase;
    }
    .tcard-body {
      padding: 20px 20px 18px;
      display: flex; flex-direction: column; flex: 1;
      gap: 4px;
    }
    .tcard-name {
      font-size: 14.5px; font-weight: 600; color: var(--dark); line-height: 1.35;
    }
    .tcard-creds { font-weight: 400; color: var(--gray-60); font-size: 13px; }
    .tcard-title {
      font-size: 13px; color: var(--gray-60); line-height: 1.4;
      margin-bottom: 12px; flex: 1;
    }
    .tcard-footer {
      display: flex; align-items: center; justify-content: space-between;
      border-top: 1px solid var(--beige-100); padding-top: 14px; margin-top: auto;
      gap: 8px;
    }
    .tcard-bio-btn {
      display: inline-flex; align-items: center; gap: 6px;
      font-size: 12.5px; font-weight: 600; color: var(--dark);
      font-family: var(--font-ui); background: none; border: none;
      cursor: pointer; padding: 0; letter-spacing: 0.01em;
    }
    .tcard-bio-btn svg { transition: transform 0.2s; }
    .tcard:hover .tcard-bio-btn svg { transform: translateX(3px); }
    .tcard-linkedin {
      display: inline-flex; align-items: center; gap: 5px;
      font-size: 12px; color: var(--gray-60); text-decoration: none;
      font-family: var(--font-ui); font-weight: 500;
      transition: color 0.15s;
    }
    .tcard-linkedin:hover { color: #0a66c2; }
    /* Section-beige override so cards stand out */
    .section-beige .tcard { background: var(--white); }

    .team-section-header {
      margin-bottom: 40px;
    }
    .section + .section {
      padding-top: 64px;
    }
    .team-section-label {
      display: inline-block;
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--accent);
      margin-bottom: 12px;
    }
    .team-section-heading {
      font-family: var(--font-title);
      font-size: 1.75rem;
      font-weight: 300;
      color: var(--dark);
      letter-spacing: -0.01em;
    }

    .team-grid {
      display: grid;
      grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
      gap: 20px;
    }
    .team-member {
      cursor: pointer;
      text-align: center;
      padding: 28px 16px 20px;
      background: var(--beige-50);
      border: 1px solid var(--beige-100);
      border-radius: 6px;
      transition: background 0.2s, border-color 0.2s;
      display: flex;
      flex-direction: column;
      align-items: center;
    }
    .team-member:hover {
      background: var(--beige-100);
      border-color: var(--beige-200, #ddd);
    }
    .team-photo-initials {
      width: 100px;
      height: 100px;
      border-radius: 50%;
      background: var(--beige-100);
      display: flex;
      align-items: center;
      justify-content: center;
      font-family: var(--font-title);
      font-size: 1.5rem;
      font-weight: 300;
      color: var(--gray-60);
      letter-spacing: 0.04em;
      margin-bottom: 16px;
      flex-shrink: 0;
    }
    .team-photo-wrap {
      width: 100px;
      height: 100px;
      border-radius: 50%;
      overflow: hidden;
      background: var(--beige-100);
      margin-bottom: 16px;
      flex-shrink: 0;
    }
    .team-photo-wrap img {
      width: 100%;
      height: 100%;
      object-fit: cover;
      object-position: top center;
      transition: transform 0.4s;
    }
    .team-member:hover .team-photo-wrap img { transform: scale(1.05); }
    .team-photo-overlay { display: none; }
    .team-overlay-text { display: none; }

    .team-name {
      font-family: 'Sofia Sans Condensed', var(--font-title), sans-serif;
      font-size: 16px;
      font-weight: 600;
      letter-spacing: 0.01em;
      color: var(--dark);
      margin-bottom: 5px;
      line-height: 1.3;
    }
    .team-creds {
      font-size: 13px;
      font-weight: 400;
      color: var(--accent);
      margin-bottom: 6px;
      letter-spacing: 0.02em;
    }
    .team-title {
      font-size: 16px;
      color: var(--gray-60);
      line-height: 1.45;
      flex: 1;
    }
    .team-linkedin {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      gap: 5px;
      margin-top: 14px;
      font-size: 13px;
      font-weight: 600;
      color: var(--gray-60);
      text-decoration: none;
      transition: color 0.18s;
    }
    .team-linkedin:hover { color: var(--dark); }
    .team-linkedin .li-icon {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      width: 24px;
      height: 24px;
      border-radius: 50%;
      border: 1px solid var(--gray-40, #bbb);
      flex-shrink: 0;
      transition: border-color 0.18s;
    }
    .team-linkedin:hover .li-icon { border-color: var(--gray-60); }
    .team-linkedin .li-icon svg { width: 13px; height: 13px; fill: var(--gray-60); transition: fill 0.18s; }
    .team-linkedin:hover .li-icon svg { fill: var(--dark); }
    .team-linkedin .li-text { display: none; }
    .team-linkedin img { display: none; }

    /* ─── Bio modal ─────────────────────────────────────────────── */
    .modal-overlay {
      position: fixed;
      inset: 0;
      background: rgba(10,10,10,0.65);
      z-index: 2000;
      display: none;
      align-items: center;
      justify-content: center;
      padding: 40px;
    }
    .modal-overlay.open { display: flex; }
    .modal {
      background: var(--white);
      border-radius: 8px;
      max-width: 640px;
      width: 100%;
      max-height: 80vh;
      overflow-y: auto;
      padding: 48px;
      position: relative;
    }
    .modal-close {
      position: absolute;
      top: 20px; right: 20px;
      background: none;
      border: none;
      font-size: 24px;
      color: var(--gray-60);
      cursor: pointer;
      line-height: 1;
    }
    .modal-photo {
      width: 100px;
      height: 100px;
      border-radius: 50%;
      object-fit: cover;
      object-position: top;
      margin-bottom: 20px;
    }
    .modal-name { font-size: 22px; font-weight: 600; color: var(--dark); }
    .modal-creds { font-size: 13px; color: var(--gray-60); margin-bottom: 4px; }
    .modal-title { font-size: 14px; color: var(--gray-60); margin-bottom: 24px; }
    .modal-bio { font-size: 15px; color: var(--gray-80); line-height: 1.75; }
    .modal-bio-placeholder { font-size: 14px; color: var(--gray-40); font-style: italic; }

    /* ─── Solutions selector ────────────────────────────────────── */
    .solutions-selector {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 20px;
      padding: 0 80px 64px;
      max-width: 1200px;
      margin: 0 auto;
    }
    .sol-panel {
      position: relative;
      display: flex;
      flex-direction: column;
      justify-content: flex-end;
      padding: 52px 48px;
      overflow: hidden;
      cursor: pointer;
      min-height: 480px;
      border-radius: 8px;
    }
    .sol-panel-bg {
      position: absolute;
      inset: 0;
      background-size: cover;
      background-position: center;
      transition: transform 0.6s, opacity 0.3s;
    }
    .sol-panel:hover .sol-panel-bg { transform: scale(1.04); opacity: 0.85; }
    .sol-panel-overlay {
      position: absolute;
      inset: 0;
      background: linear-gradient(to top, rgba(0,0,0,0.88) 0%, rgba(0,0,0,0.55) 50%, rgba(0,0,0,0.15) 100%);
    }
    .sol-panel-content { position: relative; z-index: 2; }
    .sol-panel-label {
      font-size: 11px;
      font-weight: 700;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: rgba(255,255,255,0.9);
      margin-bottom: 12px;
      display: block;
      text-shadow: 0 1px 6px rgba(0,0,0,0.8);
    }
    .sol-panel h2 {
      font-family: var(--font-title);
      font-size: clamp(2rem, 3.2vw, 2.8rem);
      font-weight: 400;
      color: #ffffff;
      margin-bottom: 12px;
      line-height: 1.2;
      text-shadow: 0 2px 12px rgba(0,0,0,0.9);
    }
    .sol-panel p {
      font-size: 16.5px;
      color: rgba(255,255,255,1);
      line-height: 1.6;
      margin-bottom: 28px;
      max-width: 360px;
      text-shadow: 0 1px 8px rgba(0,0,0,0.85);
    }
    .sol-divider {
      position: absolute;
      top: 0; bottom: 0;
      left: 50%;
      width: 1px;
      background: rgba(255,255,255,0.2);
      z-index: 3;
    }

    /* ─── Beige section ─────────────────────────────────────────── */
    .section-beige { background: var(--beige-50); }
    .section-dark {
      background: var(--dark);
      color: var(--white);
    }
    .section-dark .section-heading,
    .section-dark .section-subheading { color: var(--white); }
    .section-dark .lead { color: rgba(255,255,255,0.8); }
    .section-dark .body-text { color: rgba(255,255,255,0.55); }

    /* ─── About hero (full-photo with gradient) ─────────────────── */
    .about-hero {
      position: relative;
      min-height: 580px;
      padding: calc(var(--nav-h) + 96px) 0 88px;
      overflow: hidden;
    }
    .about-hero-img {
      position: absolute;
      inset: 0;
      background-size: cover;
      background-position: center 40%;
      opacity: 1;
    }
    .about-hero-gradient {
      position: absolute;
      inset: 0;
      background: linear-gradient(
        to right,
        rgba(10,10,10,0.82) 0%,
        rgba(10,10,10,0.62) 40%,
        rgba(10,10,10,0.15) 100%
      );
    }
    .about-hero-content {
      position: relative;
      z-index: 2;
    }

    /* ─── About page – Webflow-style layout ─────────────────────── */
    .about-split {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 80px;
      align-items: start;
      padding: 16px 0;
    }
    .about-split-left {}
    .about-split-right {}
    .about-pillar-heading {
      font-family: var(--font-title);
      font-size: clamp(1.75rem, 3vw, 2.4rem);
      font-weight: 700;
      color: var(--dark);
      letter-spacing: -0.01em;
      line-height: 1.1;
      margin-bottom: 0;
    }
    .about-pillar-text {
      font-size: 17px;
      line-height: 1.8;
      color: var(--gray-60);
      margin-bottom: 28px;
    }
    .about-img-text {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 80px;
      align-items: center;
    }
    .about-img-text-reverse { direction: rtl; }
    .about-img-text-reverse > * { direction: ltr; }
    .about-img-col img {
      width: 100%;
      aspect-ratio: 4/3;
      object-fit: cover;
      border-radius: 3px;
      display: block;
    }
    .about-text-col {}

    /* ─── About pillars (legacy) ───────────────────────────────── */
    .pillar {
      padding: 56px 48px;
      border-left: 2px solid var(--beige-100);
      transition: border-color 0.2s;
      display: flex;
      flex-direction: column;
    }
    .pillar:hover { border-color: var(--gray-40); }
    .pillar-img {
      width: 100%;
      aspect-ratio: 16/10;
      object-fit: cover;
      border-radius: 4px;
      margin-bottom: 32px;
    }
    .pillar h3 {
      font-size: 1.25rem;
      font-weight: 600;
      color: var(--dark);
      margin-bottom: 16px;
      min-height: 4rem;
    }
    .pillar p { font-size: 16px; color: var(--gray-60); line-height: 1.7; flex: 1; }
    .pillar .text-link { margin-top: 24px; }
    .text-link {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      font-size: 14px;
      font-weight: 600;
      color: var(--dark);
      margin-top: 16px;
      transition: gap 0.2s;
    }
    .text-link:hover { gap: 12px; }

    /* ─── CTA block ─────────────────────────────────────────────── */
    .cta-section {
      background: var(--beige-50);
      padding: 96px 0;
      text-align: center;
      border-top: 1px solid var(--beige-100);
    }
    .cta-section.cta-white {
      background: var(--white);
      border-top-color: var(--gray-20);
    }
    .cta-section h2 {
      font-family: var(--font-title);
      font-size: clamp(1.75rem, 3vw, 2.5rem);
      font-weight: 300;
      color: var(--dark);
      margin-bottom: 32px;
      letter-spacing: -0.01em;
    }
    .cta-section .cta-sub {
      font-size: 16px;
      color: var(--gray-60);
      margin-bottom: 40px;
    }

    /* ─── Fund card ─────────────────────────────────────────────── */
    .fund-card {
      background: var(--white);
      border: 1px solid var(--gray-20);
      border-radius: 6px;
      padding: 40px;
      margin-bottom: 24px;
    }
    .fund-name { font-size: 1.1rem; font-weight: 600; color: var(--dark); margin-bottom: 12px; }
    .fund-desc { font-size: 14.5px; color: var(--gray-60); line-height: 1.7; margin-bottom: 24px; }
    .fund-stats { display: flex; gap: 40px; flex-wrap: wrap; }
    .fund-stat dt { font-size: 11px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gray-40); margin-bottom: 4px; }
    .fund-stat dd { font-size: 17px; font-weight: 400; color: var(--dark); }


    /* ─── FAQ ──────────────────────────────────────────────────── */
    .faq-list { margin-top: 32px; }
    .faq-item {
      border-bottom: 1px solid var(--gray-20);
      padding: 20px 0;
    }
    .faq-item:first-child { border-top: 1px solid var(--gray-20); }
    .faq-q {
      font-family: var(--font-ui);
      font-size: 15px;
      font-weight: 600;
      color: var(--dark);
      margin-bottom: 10px;
    }
    .faq-a {
      font-size: 14.5px;
      color: var(--gray-60);
      line-height: 1.7;
    }
    .fund-tag {
      display: inline-block;
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 0.07em;
      text-transform: uppercase;
      background: var(--gray-10);
      color: var(--gray-60);
      border-radius: 3px;
      padding: 3px 8px;
      margin-bottom: 16px;
    }

    /* ─── Partners ──────────────────────────────────────────────── */
    .partners-grid {
      display: flex;
      align-items: center;
      gap: 56px;
      flex-wrap: wrap;
      margin-top: 40px;
    }
    .partner-item { display: flex; flex-direction: column; align-items: center; gap: 12px; }
    .partner-item img { height: 48px; width: auto; opacity: 0.65; filter: grayscale(0.5); transition: opacity 0.2s; }
    .partner-item:hover img { opacity: 1; }
    .partner-label { font-size: 12px; color: var(--gray-60); text-align: center; max-width: 120px; line-height: 1.4; }

    /* ─── Contact form ──────────────────────────────────────────── */
    .form-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 20px;
    }
    .form-group { display: flex; flex-direction: column; gap: 6px; }
    .form-group.full { grid-column: 1 / -1; }
    .form-label { font-size: 13px; font-weight: 500; color: var(--dark); }
    .form-input,
    .form-textarea,
    .form-select {
      width: 100%;
      padding: 12px 16px;
      border: 1px solid var(--gray-20);
      border-radius: var(--radius);
      font-family: var(--font-ui);
      font-size: 14.5px;
      color: var(--dark);
      background: var(--white);
      transition: border-color 0.18s;
      outline: none;
    }
    .form-input:focus,
    .form-textarea:focus { border-color: var(--dark); }
    .form-input.invalid,
    .form-textarea.invalid { background: #fef2f2; border-color: #fca5a5; }
    .form-textarea { min-height: 120px; resize: vertical; }
    .form-checkbox { display: flex; align-items: flex-start; gap: 10px; }
    .form-checkbox input { margin-top: 3px; flex-shrink: 0; }
    .form-checkbox label { font-size: 13px; color: var(--gray-60); line-height: 1.5; }

    .office-card {
      background: var(--beige-50);
      border-radius: 6px;
      padding: 32px;
      border: 1px solid var(--beige-100);
    }
    .office-city { font-size: 1.1rem; font-weight: 600; color: var(--dark); margin-bottom: 8px; }
    .office-addr { font-size: 14px; color: var(--gray-60); line-height: 1.7; }

    /* ─── Philosophy principles ──────────────────────────────────── */
    .principles-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 2px;
      margin-top: 48px;
    }
    .principle {
      padding: 48px;
      background: var(--beige-50);
      transition: background 0.2s;
    }
    .principle:hover { background: var(--beige-100); }
    .principle h3 { font-size: 1.25rem; font-weight: 600; color: var(--dark); margin-bottom: 12px; }
    .principle p { font-size: 16px; color: var(--gray-60); line-height: 1.7; }

    /* ─── ESG section ───────────────────────────────────────────── */
    .esg-item {
      display: flex;
      gap: 24px;
      padding: 32px 0;
      border-bottom: 1px solid var(--gray-20);
    }
    .esg-item:first-child { border-top: 1px solid var(--gray-20); }
    .esg-num { font-size: 13px; font-weight: 600; color: var(--gray-60); flex-shrink: 0; padding-top: 2px; }
    .esg-title { font-size: 16px; font-weight: 600; color: var(--dark); margin-bottom: 6px; }
    .esg-desc { font-size: 14.5px; color: var(--gray-60); line-height: 1.7; }

    /* ─── Footer ────────────────────────────────────────────────── */
    .footer {
      background: var(--dark);
      padding: 64px 0 32px;
      color: rgba(255,255,255,0.6);
    }
    .footer-top {
      display: grid;
      grid-template-columns: 2fr 1fr 1fr 1fr;
      gap: 56px;
      padding-bottom: 48px;
      border-bottom: 1px solid rgba(255,255,255,0.1);
      margin-bottom: 32px;
    }
    .footer-logo { height: 32px; width: auto; margin-bottom: 20px; }
    .footer-about { font-size: 14px; line-height: 1.75; color: rgba(255,255,255,0.45); max-width: 280px; }
    .footer-social { display: flex; gap: 12px; margin-top: 16px; }
    .footer-social a { display: inline-flex; align-items: center; justify-content: center; width: 36px; height: 36px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.2); transition: border-color 0.2s, background 0.2s; }
    .footer-social a:hover { border-color: rgba(255,255,255,0.6); background: rgba(255,255,255,0.08); }
    .footer-social svg { width: 18px; height: 18px; fill: rgba(255,255,255,0.55); transition: fill 0.2s; }
    .footer-social a:hover svg { fill: var(--white); }
    .footer-col-title {
      font-size: 18px;
      font-family: 'Sofia Sans Condensed', sans-serif;
      font-weight: 500;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      color: rgba(255,255,255,0.55);
      margin-bottom: 20px;
      display: block;
      transition: color 0.18s;
    }
    a.footer-col-title:hover { color: var(--white); }
    .footer-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
    .footer-links a { font-size: 14px; color: rgba(255,255,255,0.55); transition: color 0.18s; }
    .footer-links a:hover { color: var(--white); }
    .footer-logos-row {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 28px 0 24px;
      flex-wrap: wrap;
      gap: 20px;
    }
    .footer-partner-logos {
      display: flex;
      align-items: center;
      gap: 36px;
      flex-shrink: 1;
      min-width: 0;
    }
    .footer-partner-logos img {
      height: 28px;
      width: auto;
      max-width: 100%;
      object-fit: contain;
      flex-shrink: 0;
      opacity: 0.85;
      transition: opacity 0.18s;
    }
    .footer-partner-logos img:hover { opacity: 1; }
    .footer-bottom {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding-top: 18px;
      font-size: 12.5px;
    }
    .footer-legal { display: flex; gap: 24px; }
    .footer-legal a { color: rgba(255,255,255,0.35); transition: color 0.18s; }
    .footer-legal a:hover { color: rgba(255,255,255,0.6); }
    .footer-ace-link {
      display: inline-flex; align-items: center; gap: 8px;
      padding: 9px 20px; border: 1px solid rgba(255,255,255,0.32);
      border-radius: 5px; font-size: 12px; font-weight: 500;
      letter-spacing: 0.1em; text-transform: uppercase;
      color: rgba(255,255,255,0.65) !important;
      transition: background 0.18s, border-color 0.18s, color 0.18s;
    }
    .footer-ace-link:hover {
      background: rgba(255,255,255,0.07);
      border-color: rgba(255,255,255,0.6);
      color: #fff !important;
    }

    /* ─── Arrow SVG helper ──────────────────────────────────────── */
    .arrow-svg { display: inline-block; }

    /* ─── Institutional tabs ────────────────────────────────────── */
    .inst-tabs-wrapper {
      background: var(--white);
      border-bottom: 1px solid var(--gray-20);
      position: sticky;
      top: var(--nav-h);
      z-index: 100;
    }

    .inst-tabs {
      display: flex;
      justify-content: center;
      gap: 0;
      flex-wrap: wrap;
    }

    .inst-tab {
      font-family: var(--font-ui);
      font-size: 14px;
      font-weight: 500;
      letter-spacing: 0.04em;
      text-transform: uppercase;
      padding: 14px 28px;
      border: none;
      background: transparent;
      color: var(--gray-60);
      cursor: pointer;
      border-bottom: 2px solid transparent;
      transition: all 0.25s ease;
    }

    .inst-tab:hover {
      color: var(--dark);
    }

    .inst-tab.active {
      color: var(--dark);
      border-bottom-color: var(--red);
      font-weight: 600;
    }

    .inst-tab-content {
      display: none;
    }

    /* ─── Private Wealth tabs ────────────────────────────────────── */
    .pw-tab-content { display: none; }
    .pw-tab-content.active { display: block; }

    .inst-tab-content.active {
      display: block;
    }

    .page-hero-bg {
      transition: opacity 0.4s ease;
    }

    /* ─── Responsive ────────────────────────────────────────────── */
    @media (max-width: 1024px) {
      .cards-4 { grid-template-columns: repeat(2, 1fr); }
      .team-grid { grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); }
      .split, .split-wide, .split-narrow { grid-template-columns: 1fr; gap: 48px; }
      .footer-top { grid-template-columns: 1fr 1fr; }
      .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 32px; }
      .stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.12); padding-bottom: 24px; }
      .solutions-selector { grid-template-columns: 1fr; }
      .solutions-selector { padding: 0 20px 48px; }
    }
    @media (max-width: 768px) {
      .container { padding: 0 20px; }
      .hero-box { padding: 36px 28px; }
      .hero { padding: var(--nav-h) 20px 60px; }
      .cards-3, .cards-2 { grid-template-columns: 1fr; }
      .team-grid { grid-template-columns: repeat(auto-fill, minmax(160px, 1fr)); gap: 16px; }
      .form-grid { grid-template-columns: 1fr; }
      .principles-grid { grid-template-columns: 1fr; }
      .footer-top { grid-template-columns: 1fr; }
      .nav-links, .nav-cta, .nav-lang { display: none !important; }
      .nav-hamburger { display: flex !important; }
      .nav-inner { padding: 0 20px; }
      .stats-grid { grid-template-columns: 1fr; gap: 0; }
      .stat-item { padding: 24px 0; }
      .inst-tab { padding: 12px 16px; font-size: 12px; }
      section { padding: 60px 0; }
      .section-heading { font-size: clamp(1.5rem, 6vw, 2rem); }
      .footer-partner-logos { gap: 20px; }
      .footer-partner-logos img { height: 22px; }
    }

    /* ── Hamburger button ──────────────────────── */
    .nav-hamburger {
      display: none;
      flex-direction: column;
      justify-content: center;
      gap: 5px;
      cursor: pointer;
      padding: 8px;
      background: none;
      border: none;
    }
    .nav-hamburger span {
      display: block;
      width: 24px;
      height: 2px;
      background: var(--dark);
      border-radius: 2px;
      transition: all 0.25s ease;
    }
    .nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
    .nav-hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
    .nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

    /* ── Mobile menu overlay ───────────────────── */
    .mobile-menu {
      display: none;
      position: fixed;
      top: var(--nav-h);
      left: 0; right: 0; bottom: 0;
      background: var(--white);
      z-index: 998;
      overflow-y: auto;
      padding: 8px 0 40px;
      border-top: 1px solid var(--gray-20);
    }
    .mobile-menu.open { display: block; }
    .mobile-menu-section { padding: 8px 24px 4px; }
    .mobile-menu-label {
      font-size: 10px;
      font-weight: 600;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: var(--gray-40);
      padding: 16px 0 6px;
    }
    .mobile-menu a {
      display: block;
      font-size: 16px;
      font-family: var(--font-ui);
      padding: 11px 0;
      border-bottom: 1px solid var(--gray-10);
      color: var(--dark);
      text-decoration: none;
      cursor: pointer;
    }
    .mobile-menu a:last-child { border-bottom: none; }
    .mobile-menu .mobile-cta {
      display: block;
      margin: 24px 24px 0;
      padding: 14px 24px;
      background: var(--dark);
      color: var(--white) !important;
      text-align: center;
      font-size: 14px;
      font-weight: 500;
      letter-spacing: 0.04em;
      border-radius: 2px;
      border-bottom: none !important;
    }