/* ==========================================================================
   EFP Wealth — Design System
   Institutional, data-driven aesthetic for HNI audience
   ========================================================================== */

/* --- CSS Custom Properties --- */
:root {
  --navy: #1B2A4A;
  --navy-dark: #0F1B33;
  --charcoal: #1E1E2E;
  --gold: #C59A2C;
  --gold-hover: #B08A25;
  --white: #FFFFFF;
  --off-white: #FAFBFC;
  --gray-50: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-300: #CBD5E1;
  --gray-400: #94A3B8;
  --gray-500: #64748B;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-900: #1E293B;
  --green: #16A34A;
  --red: #DC2626;

  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono: 'JetBrains Mono', 'SF Mono', 'Consolas', monospace;

  --container: 1100px;
  --section-py: 96px;
  --section-py-mobile: 56px;
  --radius: 8px;
  --border: 1px solid var(--gray-200);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-sans);
  font-size: 15px;
  line-height: 1.7;
  color: var(--gray-600);
  background: var(--off-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

a { color: var(--gold); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--gold-hover); }

img { max-width: 100%; display: block; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* --- Typography --- */
h1, h2, h3, h4 {
  color: var(--navy);
  font-weight: 600;
  line-height: 1.3;
}

h1 { font-size: 36px; letter-spacing: -0.5px; }
h2 { font-size: 28px; letter-spacing: -0.3px; }
h3 { font-size: 20px; }
h4 { font-size: 15px; font-weight: 600; }

.section-title {
  font-size: 28px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 12px;
}

.section-subtitle {
  font-size: 15px;
  color: var(--gray-500);
  max-width: 640px;
  line-height: 1.7;
}

.label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray-400);
}

.mono {
  font-family: var(--font-mono);
  font-weight: 500;
}

.text-green { color: var(--green); }
.text-red { color: var(--red); }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-muted { color: var(--gray-400); }

/* --- Navigation --- */
.nav {
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  position: sticky;
  top: 0;
  z-index: 100;
}

.nav-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 64px;
}

.nav-brand {
  display: flex;
  align-items: baseline;
  gap: 6px;
  text-decoration: none;
}

.nav-brand:hover { text-decoration: none; }

.brand-name {
  font-size: 20px;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.5px;
}

.brand-sub {
  font-size: 20px;
  font-weight: 400;
  color: var(--white);
}

.brand-tagline {
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-left: 16px;
}

.nav-links {
  display: flex;
  gap: 32px;
  align-items: center;
}

.nav-links a {
  color: var(--gray-300);
  font-size: 14px;
  font-weight: 500;
  transition: color 0.2s;
}

.nav-links a:hover { color: var(--white); text-decoration: none; }
.nav-links a.active { color: var(--white); }

.nav-login {
  color: var(--gold) !important;
  font-weight: 500 !important;
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  flex-direction: column;
  gap: 5px;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--gray-300);
  transition: 0.2s;
}

/* --- Hero Section --- */
.hero {
  background: var(--off-white);
  padding: var(--section-py) 0 64px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 64px;
  align-items: start;
}

.hero-content h1 {
  font-size: 36px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.25;
  margin-bottom: 20px;
}

.hero-subtitle {
  font-size: 16px;
  line-height: 1.8;
  color: var(--gray-500);
  margin-bottom: 32px;
  max-width: 520px;
}

.hero-ctas {
  display: flex;
  gap: 24px;
  align-items: center;
}

.btn-primary {
  display: inline-block;
  padding: 12px 28px;
  background: var(--gold);
  color: var(--white);
  font-size: 14px;
  font-weight: 600;
  border-radius: 6px;
  border: none;
  cursor: pointer;
  transition: background 0.2s;
}

.btn-primary:hover { background: var(--gold-hover); color: var(--white); }

.btn-text {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 14px;
  font-weight: 500;
  color: var(--gold);
}

.btn-text:hover { color: var(--gold-hover); }

/* --- Metrics Card --- */
.metrics-card {
  background: var(--white);
  border: var(--border);
  border-radius: var(--radius);
  padding: 32px;
}

.metrics-card-header {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 4px;
}

.metrics-card-period {
  font-size: 13px;
  color: var(--gray-500);
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: var(--border);
}

.metrics-table {
  width: 100%;
}

.metrics-table tr {
  border-bottom: 1px solid var(--gray-100);
}

.metrics-table tr:last-child { border-bottom: none; }

.metrics-table td {
  padding: 10px 0;
  font-size: 14px;
}

.metrics-table td:first-child {
  color: var(--gray-500);
  font-weight: 500;
}

.metrics-table td:last-child {
  text-align: right;
  font-family: var(--font-mono);
  font-weight: 500;
  font-size: 15px;
  color: var(--navy);
}

/* --- Stat Bar --- */
.stat-bar {
  background: var(--navy);
  padding: 16px 0;
}

.stat-bar-inner {
  display: flex;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}

.stat-bar-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--gray-300);
  font-size: 13px;
  white-space: nowrap;
}

.stat-bar-value {
  font-family: var(--font-mono);
  font-weight: 500;
  color: var(--white);
}

/* --- Sections --- */
.section {
  padding: var(--section-py) 0;
}

.section-alt { background: var(--white); }
.section-dark { background: var(--charcoal); }

.section-header {
  text-align: center;
  margin-bottom: 56px;
}

.section-header .section-subtitle {
  margin: 12px auto 0;
}

/* --- Chart Section --- */
.chart-section {
  padding: 80px 0;
  background: var(--white);
}

.chart-container {
  background: var(--white);
  border: var(--border);
  border-radius: var(--radius);
  padding: 32px;
}

.chart-title {
  font-size: 18px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 4px;
}

.chart-subtitle {
  font-size: 13px;
  color: var(--gray-400);
  margin-bottom: 24px;
}

.chart-canvas-wrap {
  position: relative;
  height: 360px;
}

.chart-canvas-wrap canvas {
  width: 100% !important;
  height: 100% !important;
}

.chart-footer {
  text-align: center;
  margin-top: 24px;
}

/* --- Process Steps --- */
.process-section {
  padding: var(--section-py) 0;
  background: var(--off-white);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 36px;
  position: relative;
}

.process-step {
  text-align: center;
  position: relative;
}

.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  border: 2px solid var(--navy);
  font-family: var(--font-mono);
  font-size: 18px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 20px;
}

.process-step h3 {
  font-size: 18px;
  margin-bottom: 12px;
}

.process-step p {
  font-size: 14px;
  line-height: 1.7;
  color: var(--gray-500);
}

/* Connecting line between steps */
.process-grid::before {
  content: '';
  position: absolute;
  top: 24px;
  left: calc(16.67% + 24px);
  right: calc(16.67% + 24px);
  height: 2px;
  background: var(--gray-200);
  z-index: 0;
}

.step-number { position: relative; z-index: 1; background: var(--off-white); }

/* --- Differentiation Table --- */
.diff-section {
  padding: var(--section-py) 0;
  background: var(--white);
}

.diff-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}

.diff-table thead th {
  padding: 14px 16px;
  text-align: left;
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-bottom: 2px solid var(--gray-200);
}

.diff-table thead th:last-child {
  color: var(--navy);
}

.diff-table tbody td {
  padding: 14px 16px;
  border-bottom: 1px solid var(--gray-100);
  color: var(--gray-600);
  vertical-align: top;
}

.diff-table tbody td:first-child {
  font-weight: 500;
  color: var(--navy);
  width: 180px;
}

.diff-table tbody td:last-child {
  color: var(--navy);
  font-weight: 500;
}

.diff-table tbody tr:last-child td { border-bottom: none; }

/* --- Performance Page Tables --- */
.perf-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}

.perf-table thead th {
  padding: 12px 16px;
  text-align: left;
  font-size: 12px;
  font-weight: 600;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-bottom: 2px solid var(--gray-200);
}

.perf-table thead th:not(:first-child) { text-align: right; }

.perf-table tbody td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--gray-100);
  font-family: var(--font-mono);
  font-size: 14px;
}

.perf-table tbody td:first-child {
  font-family: var(--font-sans);
  font-weight: 500;
  color: var(--navy);
}

.perf-table tbody td:not(:first-child) { text-align: right; }

.perf-table tbody tr:nth-child(even) { background: var(--gray-50); }
.perf-table tbody tr:last-child td { border-bottom: none; }

.perf-table .positive { color: var(--green); }
.perf-table .negative { color: var(--red); }

/* --- Summary Cards --- */
.summary-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-bottom: 56px;
}

.summary-card {
  background: var(--white);
  border: var(--border);
  border-radius: var(--radius);
  padding: 28px;
}

.summary-card .label { margin-bottom: 16px; }

.summary-card table {
  width: 100%;
  border-collapse: collapse;
}

.summary-card table td {
  padding: 8px 0;
  font-size: 14px;
  border-bottom: 1px solid var(--gray-100);
}

.summary-card table tr:last-child td { border-bottom: none; }

.summary-card table td:first-child {
  color: var(--gray-500);
}

.summary-card table td:last-child {
  text-align: right;
  font-family: var(--font-mono);
  font-weight: 500;
  color: var(--navy);
}

/* --- Approach Page --- */
.factor-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-bottom: 56px;
}

.factor-card {
  background: var(--white);
  border: var(--border);
  border-radius: var(--radius);
  padding: 24px;
}

.factor-card h4 {
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: var(--border);
}

.factor-list {
  list-style: none;
}

.factor-list li {
  padding: 6px 0;
  font-size: 14px;
  color: var(--gray-600);
  display: flex;
  justify-content: space-between;
}

.factor-list li span {
  color: var(--gray-400);
  font-size: 13px;
}

/* --- Regime Signal Table --- */
.signal-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
  margin-top: 24px;
}

.signal-table thead th {
  padding: 10px 12px;
  text-align: left;
  font-size: 12px;
  font-weight: 600;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-bottom: 2px solid var(--gray-200);
}

.signal-table tbody td {
  padding: 10px 12px;
  border-bottom: 1px solid var(--gray-100);
}

.signal-table tbody tr:nth-child(even) { background: var(--gray-50); }

/* --- About Page --- */
.team-card {
  display: grid;
  grid-template-columns: 120px 1fr;
  gap: 32px;
  background: var(--white);
  border: var(--border);
  border-radius: var(--radius);
  padding: 32px;
  margin-bottom: 32px;
}

.team-photo {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  background: var(--gray-100);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 36px;
  color: var(--gray-400);
  font-weight: 600;
}

.team-info h3 { margin-bottom: 4px; }

.team-title {
  font-size: 14px;
  color: var(--gold);
  font-weight: 500;
  margin-bottom: 16px;
}

.team-credentials {
  list-style: none;
}

.team-credentials li {
  padding: 4px 0;
  font-size: 14px;
  color: var(--gray-600);
  padding-left: 16px;
  position: relative;
}

.team-credentials li::before {
  content: '\2022';
  position: absolute;
  left: 0;
  color: var(--gray-400);
}

/* --- Regulatory Strip --- */
.regulatory-strip {
  background: var(--gray-50);
  border-top: var(--border);
  padding: 48px 0;
}

.reg-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.reg-grid h4 {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.reg-grid p {
  font-size: 13px;
  color: var(--gray-500);
  line-height: 1.6;
}

.reg-grid a {
  color: var(--gold);
  font-size: 13px;
}

/* --- Footer --- */
.footer {
  background: var(--navy-dark);
  padding: 48px 0 32px;
}

.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand {
  font-size: 18px;
  font-weight: 700;
  color: var(--gold);
}

.footer-brand span { color: var(--white); font-weight: 400; }

.footer-tagline {
  font-size: 11px;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-top: 4px;
}

.footer-nav {
  display: flex;
  gap: 24px;
}

.footer-nav a {
  color: var(--gray-400);
  font-size: 13px;
  transition: color 0.2s;
}

.footer-nav a:hover { color: var(--white); }

.footer-disclaimer {
  padding: 24px 0;
  font-size: 11px;
  line-height: 1.8;
  color: var(--gray-400);
  border-bottom: 1px solid rgba(255,255,255,0.05);
}

.footer-bottom {
  padding-top: 20px;
  font-size: 11px;
  color: var(--gray-400);
}

.footer-bottom a { color: var(--gray-400); }
.footer-bottom a:hover { color: var(--white); }

/* --- CTA Section --- */
.cta-section {
  background: var(--charcoal);
  padding: 80px 0;
  text-align: center;
}

.cta-section h2 {
  color: var(--white);
  font-size: 24px;
  margin-bottom: 12px;
}

.cta-section p {
  color: var(--gray-400);
  font-size: 15px;
  margin-bottom: 32px;
}

.cta-section .btn-primary {
  display: inline-block;
}

.cta-contact {
  margin-top: 20px;
  font-size: 13px;
  color: var(--gray-400);
}

.cta-contact a { color: var(--gray-300); }

/* --- Page Header (for inner pages) --- */
.page-header {
  background: var(--navy);
  padding: 56px 0 48px;
}

.page-header h1 {
  color: var(--white);
  font-size: 32px;
  margin-bottom: 8px;
}

.page-header p {
  color: var(--gray-400);
  font-size: 15px;
  max-width: 600px;
}

/* --- Prose Content --- */
.prose {
  max-width: 720px;
  font-size: 15px;
  line-height: 1.8;
  color: var(--gray-600);
}

.prose p { margin-bottom: 16px; }
.prose h3 { margin: 40px 0 16px; }
.prose strong { color: var(--navy); font-weight: 600; }

/* --- Walk-Forward Diagram --- */
.wf-diagram {
  background: var(--white);
  border: var(--border);
  border-radius: var(--radius);
  padding: 32px;
  margin: 32px 0;
}

.wf-bar-row {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-bottom: 8px;
  font-size: 12px;
}

.wf-bar-label {
  width: 60px;
  font-size: 11px;
  color: var(--gray-400);
  text-align: right;
  padding-right: 8px;
  flex-shrink: 0;
}

.wf-bar-train {
  background: var(--navy);
  height: 24px;
  border-radius: 3px 0 0 3px;
  opacity: 0.7;
}

.wf-bar-test {
  background: var(--gold);
  height: 24px;
  border-radius: 0 3px 3px 0;
}

.wf-legend {
  display: flex;
  gap: 24px;
  margin-top: 16px;
  font-size: 12px;
  color: var(--gray-500);
}

.wf-legend-dot {
  display: inline-block;
  width: 12px;
  height: 12px;
  border-radius: 2px;
  margin-right: 6px;
  vertical-align: middle;
}

/* --- Contact Form --- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}

.contact-info h3 { margin-bottom: 16px; }

.contact-item {
  display: flex;
  gap: 12px;
  margin-bottom: 16px;
  font-size: 14px;
  color: var(--gray-600);
}

.contact-item strong {
  color: var(--navy);
  min-width: 60px;
}

/* --- Hero Dark (V1-style gradient, centered layout) --- */
.hero-dark {
  background: linear-gradient(135deg, #1B2A4A 0%, #0F1B33 100%);
  padding: 80px 0 64px;
  text-align: center;
}

.hero-dark h1 {
  font-size: 42px;
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 20px;
}

.hero-dark .hero-subtitle {
  font-size: 16px;
  color: var(--gray-300);
  max-width: 600px;
  margin: 0 auto 40px;
}

.hero-metrics-strip {
  display: flex;
  justify-content: center;
  gap: 20px;
  margin-bottom: 20px;
  flex-wrap: wrap;
}

.hero-metric-box {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 8px;
  padding: 20px 28px;
  min-width: 160px;
}

.hero-metric-value {
  display: block;
  font-family: var(--font-mono);
  font-size: 28px;
  font-weight: 600;
  color: var(--gold);
}

.hero-metric-label {
  display: block;
  font-size: 11px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gray-400);
  margin-top: 4px;
}

.hero-period {
  font-size: 13px;
  color: var(--gray-400);
  margin-bottom: 32px;
}

.hero-dark .hero-ctas {
  display: flex;
  justify-content: center;
  gap: 24px;
  align-items: center;
}

.btn-text-light {
  color: var(--gray-300);
  font-size: 14px;
  font-weight: 500;
  transition: color 0.2s;
}
.btn-text-light:hover { color: var(--white); text-decoration: none; }

/* --- Factor Icon Grid (Approach page) --- */
.factor-icon-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-bottom: 56px;
}

.factor-icon-card {
  text-align: center;
  background: var(--white);
  border: var(--border);
  border-radius: var(--radius);
  padding: 32px 20px;
  transition: border-color 0.2s;
}

.factor-icon-card:hover {
  border-color: var(--gold);
}

.factor-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gray-50);
  border-radius: 50%;
}

.factor-icon svg {
  width: 28px;
  height: 28px;
}

.factor-icon-card h4 {
  margin-bottom: 8px;
  font-size: 16px;
}

.factor-icon-card p {
  font-size: 13px;
  color: var(--gray-500);
  line-height: 1.6;
}

/* --- Deep Dive Section --- */
.deep-dive-section {
  background: var(--navy);
  padding: 56px 0;
  text-align: center;
}

.deep-dive-section .section-title {
  color: var(--white);
}

.deep-dive-section .section-subtitle {
  color: var(--gray-400);
  margin: 8px auto 28px;
}

/* --- Disclaimer Banner (first visit) --- */
.disclaimer-banner {
  background: #FFFBEB;
  border-bottom: 1px solid #FDE68A;
  padding: 14px 0;
}

.disclaimer-banner-content {
  display: flex;
  align-items: center;
  gap: 20px;
}

.disclaimer-banner-content p {
  font-size: 12px;
  color: #92400E;
  line-height: 1.6;
  flex: 1;
  margin: 0;
}

.disclaimer-close {
  background: #92400E;
  color: white;
  border: none;
  border-radius: 4px;
  padding: 6px 16px;
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  white-space: nowrap;
  font-family: var(--font-sans);
}

.disclaimer-close:hover { background: #7C3610; }

/* --- Sticky Disclaimer (landing page bottom) --- */
.sticky-disclaimer {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: rgba(15, 27, 51, 0.95);
  color: var(--gray-400);
  font-size: 11px;
  text-align: center;
  padding: 8px 16px;
  z-index: 50;
  backdrop-filter: blur(4px);
}

.sticky-disclaimer a {
  color: var(--gold);
  margin-left: 8px;
}

/* --- Performance Page Hero --- */
.perf-hero {
  background: linear-gradient(135deg, #1B2A4A 0%, #0F1B33 100%);
  padding: 64px 0 56px;
  text-align: center;
}

.perf-hero h1 {
  font-size: 36px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}

.perf-hero-sub {
  font-size: 15px;
  color: var(--gray-400);
  max-width: 680px;
  margin: 0 auto 40px;
  line-height: 1.7;
}

.perf-hero-metrics {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}

.perf-hero-box {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 10px;
  padding: 24px 32px;
  min-width: 170px;
  transition: border-color 0.2s;
}

.perf-hero-box:hover {
  border-color: rgba(197, 154, 44, 0.4);
}

.perf-hero-value {
  display: block;
  font-family: var(--font-mono);
  font-size: 30px;
  font-weight: 600;
  color: var(--white);
}

.perf-hero-label {
  display: block;
  font-size: 11px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gray-400);
  margin-top: 6px;
}

/* --- Performance 3-Column Comparison --- */
.perf-comparison {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 56px;
}

.perf-col {
  background: var(--white);
  border: var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow 0.2s;
}

.perf-col:hover {
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
}

.perf-col-highlight {
  border-color: var(--gold);
  box-shadow: 0 2px 16px rgba(197, 154, 44, 0.1);
}

.perf-col-highlight:hover {
  box-shadow: 0 4px 24px rgba(197, 154, 44, 0.15);
}

.perf-col-header {
  padding: 24px 24px 20px;
  border-bottom: var(--border);
  text-align: center;
}

.perf-col-highlight .perf-col-header {
  background: linear-gradient(135deg, #1B2A4A 0%, #0F1B33 100%);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.perf-col-highlight .perf-col-header h3 {
  color: var(--gold);
}

.perf-col-highlight .perf-col-header .perf-col-desc {
  color: var(--gray-400);
}

.perf-col-badge {
  display: inline-block;
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(197, 154, 44, 0.12);
  padding: 3px 10px;
  border-radius: 4px;
  margin-bottom: 10px;
}

.perf-col-highlight .perf-col-badge {
  background: rgba(197, 154, 44, 0.2);
  color: var(--gold);
}

.perf-col-badge-muted {
  color: var(--gray-500);
  background: var(--gray-100);
}

.perf-col-header h3 {
  font-size: 17px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 4px;
}

.perf-col-desc {
  font-size: 13px;
  color: var(--gray-400);
}

.perf-col-body {
  padding: 8px 24px;
}

.perf-metric-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 11px 0;
  border-bottom: 1px solid var(--gray-100);
  font-size: 14px;
}

.perf-metric-row:last-child {
  border-bottom: none;
}

.perf-metric-row > span:first-child {
  color: var(--gray-500);
  font-weight: 500;
}

.perf-metric-row > span:last-child {
  color: var(--navy);
}

/* --- Performance Methodology Box --- */
.perf-methodology {
  background: var(--gray-50);
  border: var(--border);
  border-radius: var(--radius);
  padding: 28px;
  margin-bottom: 32px;
}

.perf-methodology h4 {
  margin-bottom: 12px;
}

.perf-methodology p {
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.8;
}

/* --- Responsive --- */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero-grid .metrics-card {
    max-width: 400px;
  }
}

@media (max-width: 768px) {
  :root {
    --section-py: 56px;
  }

  h1 { font-size: 28px; }
  h2, .section-title { font-size: 24px; }

  .hero-content h1 { font-size: 28px; }
  .hero-dark h1 { font-size: 28px; }
  .hero-dark { padding: 56px 0 48px; }
  .hero-metrics-strip { gap: 12px; }
  .hero-metric-box { min-width: 140px; padding: 14px 18px; }
  .hero-metric-value { font-size: 22px; }
  .factor-icon-grid { grid-template-columns: repeat(2, 1fr); }

  .perf-hero h1 { font-size: 28px; }
  .perf-hero { padding: 48px 0 40px; }
  .perf-hero-metrics { gap: 10px; }
  .perf-hero-box { min-width: 140px; padding: 16px 20px; }
  .perf-hero-value { font-size: 24px; }
  .perf-comparison { grid-template-columns: 1fr; gap: 16px; }

  .nav-links { display: none; }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 64px;
    left: 0;
    right: 0;
    background: var(--navy);
    padding: 16px 24px 24px;
    gap: 16px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
  }
  .nav-toggle { display: flex; }

  .process-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .process-grid::before { display: none; }

  .stat-bar-inner {
    gap: 16px 32px;
    justify-content: center;
  }

  .diff-table { font-size: 13px; }
  .diff-table thead th,
  .diff-table tbody td { padding: 10px 8px; }

  .reg-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .footer-top {
    flex-direction: column;
    gap: 20px;
  }
  .footer-nav { flex-wrap: wrap; gap: 16px; }

  .summary-grid { grid-template-columns: 1fr; }
  .factor-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; gap: 32px; }

  .team-card {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .team-photo { margin: 0 auto; }

  .chart-canvas-wrap { height: 260px; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero { padding-top: 56px; }
  .hero-ctas { flex-direction: column; align-items: flex-start; gap: 12px; }
  .hero-dark .hero-ctas { align-items: center; }
  .stat-bar-inner { gap: 12px 20px; font-size: 12px; }
  .hero-metrics-strip { gap: 8px; }
  .hero-metric-box { min-width: 130px; padding: 12px 16px; }
  .hero-metric-value { font-size: 20px; }
  .factor-icon-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .disclaimer-banner-content { flex-direction: column; gap: 12px; }
  .perf-hero-metrics { gap: 8px; }
  .perf-hero-box { min-width: 44%; padding: 14px 16px; }
  .perf-hero-value { font-size: 20px; }
  .perf-hero-sub { font-size: 13px; }
}