/* Intelligence Holdco — MLC + First Sentier merged homepage */

:root {
  --mlc-dark: #1a1a1a;
  --mlc-beige: #f2f0eb;
  --mlc-orange: #d46b38;
  --mlc-orange-hover: #b85a2e;
  --fs-navy: #00263e;
  --fs-navy-light: #003a5c;
  --fs-teal: #00a19a;
  --fs-teal-dark: #008a84;
  --fs-coral: #f05a28;
  --fs-gray: #f7f7f7;
  --white: #ffffff;
  --text: #333333;
  --text-muted: #666666;
  --font-serif: "Playfair Display", "Georgia", "Times New Roman", serif;
  --font-sans: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
  --ease-out: cubic-bezier(0.25, 0.46, 0.45, 0.94);
  --header-h: 120px;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
  min-width: 1280px;
}

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

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

ul {
  list-style: none;
}

/* ─── Alert bar (First Sentier) ─── */
.alert-bar {
  background: var(--fs-teal);
  color: var(--white);
  font-size: 13px;
  padding: 8px 24px;
  text-align: center;
}

.alert-bar a {
  text-decoration: underline;
  font-weight: 600;
}

/* ─── Header ─── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--mlc-dark);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.35);
  transition: box-shadow 0.3s;
  overflow: visible;
}

#site-header {
  position: relative;
  z-index: 1000;
  overflow: visible;
}

.site-header.is-scrolled {
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.5);
}

.header-inner {
  max-width: 1400px;
  margin: 0 auto;
  padding: 12px 32px 0;
  overflow: visible;
}

.header-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding-bottom: 10px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.logo-link {
  display: block;
  flex-shrink: 0;
}

.logo-link img {
  height: 52px;
  width: auto;
  object-fit: contain;
}

.header-audience {
  display: flex;
  gap: 20px;
  font-size: 12px;
}

.header-audience a {
  color: rgba(255, 255, 255, 0.85);
  transition: color 0.2s;
}

.header-audience a:hover {
  color: var(--fs-teal);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

.btn-search {
  background: none;
  border: none;
  color: var(--white);
  cursor: pointer;
  padding: 6px;
  display: flex;
}

.btn-login {
  background: var(--fs-teal);
  color: var(--white);
  border: none;
  padding: 8px 22px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.04em;
  cursor: pointer;
  transition: background 0.25s;
}

.btn-login:hover {
  background: var(--fs-teal-dark);
}

.header-contact {
  display: flex;
  gap: 24px;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.75);
}

.header-contact span {
  white-space: nowrap;
}

.nav-primary {
  display: flex;
  align-items: stretch;
  gap: 0;
  padding: 0;
  list-style: none;
}

.nav-primary .nav-link {
  color: var(--white);
  font-size: 14px;
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 16px 14px 16px 18px;
  transition: color 0.2s, background 0.2s;
  letter-spacing: 0.02em;
}

.nav-primary > .nav-item > .nav-link {
  padding: 16px 18px;
}

.nav-item__row {
  display: flex;
  align-items: stretch;
}

.nav-item__row .nav-link:hover,
.nav-item.has-dropdown:hover .nav-link,
.nav-item.has-dropdown.is-open .nav-link {
  color: var(--mlc-orange);
  background: rgba(255, 255, 255, 0.04);
}

.nav-item.is-active > .nav-link,
.nav-item.is-active .nav-item__row .nav-link {
  color: var(--mlc-orange);
}

.nav-drop-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  background: transparent;
  border: none;
  cursor: pointer;
  color: var(--white);
  padding: 0;
  transition: background 0.2s, color 0.2s;
}

.nav-drop-btn:hover,
.nav-item.has-dropdown.is-open .nav-drop-btn {
  background: rgba(255, 255, 255, 0.06);
  color: var(--mlc-orange);
}

.nav-drop-btn .chevron {
  width: 7px;
  height: 7px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  opacity: 0.85;
}

.nav-item {
  position: relative;
}

/* Invisible bridge so cursor can reach menu without closing */
.nav-item.has-dropdown::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: 100%;
  height: 14px;
  z-index: 1999;
  display: none;
}

.nav-item.has-dropdown:hover::after,
.nav-item.has-dropdown.is-open::after {
  display: block;
}

.nav-dropdown {
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  min-width: 260px;
  background: #2a2a2a;
  border: 1px solid rgba(255, 255, 255, 0.12);
  box-shadow: 0 16px 48px rgba(0, 0, 0, 0.55);
  padding: 10px 0 14px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translateY(6px);
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s;
  z-index: 2000;
}

.nav-dropdown--wide {
  min-width: 300px;
}

.nav-item.has-dropdown:hover .nav-dropdown,
.nav-item.has-dropdown.is-open .nav-dropdown {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateY(0);
}

.nav-dropdown a {
  display: block;
  padding: 10px 22px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.88);
  transition: background 0.2s, color 0.2s;
}

.nav-dropdown a:hover {
  background: rgba(212, 107, 56, 0.15);
  color: var(--mlc-orange);
}

.nav-dropdown .dropdown-label {
  padding: 8px 22px 4px;
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: rgba(255, 255, 255, 0.45);
  pointer-events: none;
}

.nav-item--cta {
  margin-left: auto;
}

.nav-item--cta .nav-link {
  background: var(--fs-teal);
  color: var(--white) !important;
  margin: 8px 0 8px 12px;
  padding: 10px 24px !important;
  border-radius: 2px;
}

.nav-item--cta .nav-link:hover {
  background: var(--fs-teal-dark) !important;
  color: var(--white) !important;
}

.header-nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0;
  overflow: visible;
  position: relative;
}

.mobile-toggle {
  display: none;
}

/* ─── MLC Hero (split + Ken Burns) ─── */
.hero-mlc {
  display: grid;
  grid-template-columns: 42% 58%;
  min-height: 520px;
  max-height: 85vh;
  overflow: hidden;
  background: var(--mlc-dark);
}

.hero-mlc__content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 64px 56px;
  z-index: 2;
}

.hero-mlc__content h1 {
  font-family: var(--font-serif);
  font-size: clamp(28px, 3.2vw, 42px);
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.02em;
  line-height: 1.15;
  margin-bottom: 16px;
  text-transform: uppercase;
}

.hero-mlc__content p {
  color: rgba(255, 255, 255, 0.9);
  font-size: 17px;
  margin-bottom: 32px;
  max-width: 380px;
}

.hero-mlc__media {
  position: relative;
  overflow: hidden;
  min-height: 400px;
}

.hero-mlc__parallax {
  position: absolute;
  inset: -15% 0;
  will-change: transform;
}

.hero-mlc__kenburns {
  width: 100%;
  height: 130%;
  animation: mlcKenBurns 28s ease-in-out infinite alternate;
  will-change: transform;
}

.hero-mlc__kenburns img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
}

@keyframes mlcKenBurns {
  0% {
    transform: scale(1.08) translate(0, 0);
  }
  50% {
    transform: scale(1.16) translate(-1.5%, -0.8%);
  }
  100% {
    transform: scale(1.22) translate(-2.5%, -1.5%);
  }
}

/* ─── First Sentier Hero (full bleed + gradient + Ken Burns) ─── */
.hero-fs {
  position: relative;
  min-height: 560px;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--fs-navy);
}

.hero-fs__bg-wrap {
  position: absolute;
  inset: 0;
  overflow: hidden;
}

.hero-fs__parallax {
  position: absolute;
  inset: -12% 0;
  will-change: transform;
}

.hero-fs__kenburns {
  width: 100%;
  height: 125%;
  animation: fsKenBurns 32s ease-in-out infinite alternate;
  will-change: transform;
}

.hero-fs__kenburns img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

@keyframes fsKenBurns {
  0% {
    transform: scale(1);
  }
  100% {
    transform: scale(1.14);
  }
}

.hero-fs__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(0, 38, 62, 0.92) 0%,
    rgba(0, 38, 62, 0.75) 35%,
    rgba(0, 38, 62, 0.25) 60%,
    transparent 100%
  );
  z-index: 1;
}

.hero-fs__content {
  position: relative;
  z-index: 2;
  max-width: 1400px;
  margin: 0 auto;
  padding: 80px 56px;
  width: 100%;
}

.hero-fs__icon {
  width: 56px;
  height: 56px;
  margin-bottom: 20px;
}

.hero-fs__label {
  color: var(--fs-teal);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.hero-fs__content h2 {
  font-size: clamp(40px, 5vw, 64px);
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.02em;
  margin-bottom: 28px;
}

.hero-fs__buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}

/* ─── Buttons ─── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 28px;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.03em;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.3s var(--ease-out);
  font-family: inherit;
}

.btn-ghost-white {
  background: transparent;
  border-color: var(--white);
  color: var(--white);
}

.btn-ghost-white:hover {
  background: var(--white);
  color: var(--mlc-dark);
}

.btn-ghost-orange {
  background: transparent;
  border-color: var(--mlc-orange);
  color: var(--mlc-orange);
}

.btn-ghost-orange:hover {
  background: var(--mlc-orange);
  color: var(--white);
}

.btn-coral {
  background: var(--fs-coral);
  border-color: var(--fs-coral);
  color: var(--white);
}

.btn-coral:hover {
  background: #d94e22;
  border-color: #d94e22;
}

.btn-ghost-navy {
  background: transparent;
  border-color: var(--white);
  color: var(--white);
}

.btn-ghost-navy:hover {
  background: var(--white);
  color: var(--fs-navy);
}

.btn-teal {
  background: var(--fs-teal);
  border-color: var(--fs-teal);
  color: var(--white);
}

.btn-teal:hover {
  background: var(--fs-teal-dark);
  border-color: var(--fs-teal-dark);
}

/* ─── MLC Grid ─── */
.section-mlc-grid {
  background: var(--mlc-beige);
}

.mlc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  max-width: 1400px;
  margin: 0 auto;
}

.mlc-card {
  padding: 40px 44px;
  position: relative;
  min-height: 220px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  border: 1px solid rgba(0, 0, 0, 0.04);
}

.mlc-card--text {
  background: var(--mlc-beige);
}

.mlc-card--text h3 {
  font-family: var(--font-serif);
  font-size: 26px;
  font-weight: 600;
  color: var(--mlc-dark);
  margin-bottom: 12px;
  max-width: 85%;
}

.mlc-card--text p {
  font-size: 15px;
  color: var(--text-muted);
  margin-bottom: 24px;
  max-width: 90%;
}

.mlc-card__icon {
  position: absolute;
  top: 32px;
  right: 40px;
  width: 64px;
  height: 64px;
  color: var(--mlc-orange);
}

.mlc-card--image {
  padding: 0;
  display: block;
  min-height: auto;
}

.mlc-card--image .mlc-card__img {
  width: 100%;
  height: 280px;
  object-fit: cover;
}

.mlc-card--image .mlc-card__body {
  padding: 32px 44px 40px;
  background: var(--mlc-beige);
}

.mlc-card--image h3 {
  font-family: var(--font-serif);
  font-size: 26px;
  margin-bottom: 10px;
}

.mlc-card--image p {
  font-size: 15px;
  color: var(--text-muted);
  margin-bottom: 20px;
}

/* Webinar CTA */
.mlc-webinar {
  display: grid;
  grid-template-columns: 1fr 1fr;
  max-width: 1400px;
  margin: 0 auto;
}

.mlc-webinar__img {
  width: 100%;
  height: 100%;
  min-height: 320px;
  object-fit: cover;
}

.mlc-webinar__content {
  background: var(--mlc-beige);
  padding: 56px 48px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.mlc-webinar__content h3 {
  font-family: var(--font-serif);
  font-size: 32px;
  margin-bottom: 16px;
}

.mlc-webinar__content p {
  color: var(--text-muted);
  margin-bottom: 28px;
  max-width: 480px;
}

/* ─── FS Intro ─── */
.section-intro {
  padding: 72px 32px;
  max-width: 900px;
  margin: 0 auto;
}

.section-intro .section-line {
  width: 48px;
  height: 3px;
  background: var(--fs-teal);
  margin-bottom: 20px;
}

.section-intro h2 {
  font-size: clamp(28px, 3vw, 36px);
  color: var(--fs-navy);
  font-weight: 700;
  margin-bottom: 24px;
}

.section-intro p {
  margin-bottom: 16px;
  color: var(--text);
  font-size: 16px;
}

.link-coral {
  color: var(--fs-coral);
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 8px;
  transition: gap 0.2s;
}

.link-coral:hover {
  gap: 10px;
}

/* ─── Section headings ─── */
.section-heading {
  max-width: 1400px;
  margin: 0 auto;
  padding: 56px 32px 32px;
}

.section-heading .section-line {
  width: 48px;
  height: 3px;
  background: var(--fs-teal);
  margin-bottom: 16px;
}

.section-heading h2 {
  font-size: clamp(26px, 2.8vw, 34px);
  color: var(--fs-navy);
  font-weight: 700;
}

/* ─── ETF Cards ─── */
.section-etf {
  padding-bottom: 56px;
}

.etf-list {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 32px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

a.etf-card {
  display: grid;
  grid-template-columns: 280px 1fr;
  background: var(--white);
  box-shadow: 0 2px 16px rgba(0, 0, 0, 0.08);
  overflow: hidden;
  transition: transform 0.35s var(--ease-out), box-shadow 0.35s;
  cursor: pointer;
  color: inherit;
  text-decoration: none;
}

.etf-card {
  display: grid;
  grid-template-columns: 280px 1fr;
  background: var(--white);
  box-shadow: 0 2px 16px rgba(0, 0, 0, 0.08);
  overflow: hidden;
  transition: transform 0.35s var(--ease-out), box-shadow 0.35s;
}

.etf-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.12);
}

.etf-card__visual {
  position: relative;
  background: var(--fs-navy);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 24px;
  overflow: hidden;
}

.etf-card__visual--teal {
  background: var(--fs-navy-light);
}

.etf-card__bg {
  position: absolute;
  inset: 0;
  opacity: 0.45;
}

.etf-card__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.etf-card__hex {
  position: relative;
  z-index: 1;
  width: 72px;
  height: 72px;
  margin-bottom: 12px;
}

.etf-card__code {
  position: relative;
  z-index: 1;
  color: var(--white);
  font-size: 22px;
  font-weight: 700;
  letter-spacing: 0.05em;
}

.etf-card__body {
  padding: 32px 40px;
  position: relative;
}

.etf-card__body h3 {
  font-size: 20px;
  color: var(--fs-navy);
  margin-bottom: 12px;
  font-weight: 700;
  padding-right: 40px;
}

.etf-card__body p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.65;
}

.etf-card__arrow {
  position: absolute;
  bottom: 28px;
  right: 32px;
  width: 32px;
  height: 32px;
  color: var(--fs-teal);
  transition: transform 0.25s;
}

.etf-card:hover .etf-card__arrow {
  transform: translate(4px, -4px);
}

.etf-cta {
  max-width: 1400px;
  margin: 32px auto 0;
  padding: 0 32px;
}

/* ─── Strategies ─── */
.section-strategies {
  background: var(--fs-gray);
  padding-bottom: 56px;
}

.strategy-grid {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 32px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.strategy-card {
  background: var(--white);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
  overflow: hidden;
  transition: transform 0.35s var(--ease-out), box-shadow 0.35s;
}

.strategy-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 14px 28px rgba(0, 0, 0, 0.1);
}

.strategy-card__img-wrap {
  position: relative;
  height: 200px;
  overflow: hidden;
}

.strategy-card__img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s var(--ease-out);
}

.strategy-card:hover .strategy-card__img-wrap img {
  transform: scale(1.06);
}

.strategy-card__label {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  background: rgba(0, 38, 62, 0.88);
  color: var(--white);
  padding: 14px 20px;
  font-weight: 700;
  font-size: 16px;
}

.strategy-card__text {
  padding: 24px 20px;
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.65;
}

.fund-search {
  max-width: 1400px;
  margin: 40px auto 0;
  padding: 0 32px;
  display: flex;
  gap: 0;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.08);
}

.fund-search input {
  flex: 1;
  padding: 18px 24px;
  border: none;
  font-size: 16px;
  font-family: inherit;
  outline: none;
}

.fund-search button {
  background: var(--fs-navy);
  color: var(--white);
  border: none;
  padding: 18px 40px;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.25s;
}

.fund-search button:hover {
  background: var(--fs-navy-light);
}

/* ─── Insights ─── */
.section-insights {
  padding-bottom: 64px;
}

.insight-grid {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 32px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.insight-card {
  position: relative;
  min-height: 380px;
  overflow: hidden;
  transition: transform 0.35s var(--ease-out);
}

.insight-card > a {
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  min-height: 380px;
  color: var(--white);
  text-decoration: none;
  position: relative;
}

.insight-card:hover {
  transform: translateY(-6px);
}

.insight-card__bg {
  position: absolute;
  inset: 0;
}

.insight-card__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.7s var(--ease-out);
}

.insight-card:hover .insight-card__bg img {
  transform: scale(1.08);
}

.insight-card__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0, 20, 35, 0.92) 0%, rgba(0, 20, 35, 0.4) 50%, transparent 100%);
}

.insight-card__content {
  position: relative;
  z-index: 1;
  padding: 28px 24px;
  color: var(--white);
}

.insight-card__content h3 {
  font-size: 22px;
  font-weight: 700;
  line-height: 1.3;
  margin-bottom: 20px;
}

.insight-card__meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 13px;
  opacity: 0.9;
}

.insight-card__action {
  display: flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
}

.insights-cta {
  max-width: 1400px;
  margin: 32px auto 0;
  padding: 0 32px;
}

/* ─── About stats (MLC) ─── */
.section-about {
  padding: 72px 32px 48px;
  background: var(--white);
  text-align: center;
}

.section-about h2 {
  font-family: var(--font-serif);
  font-size: clamp(28px, 3vw, 36px);
  color: var(--mlc-dark);
  margin-bottom: 48px;
}

.stats-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}

.stat-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}

.stat-item svg {
  width: 72px;
  height: 72px;
  color: var(--mlc-orange);
}

.stat-item p {
  font-size: 15px;
  color: var(--text);
  max-width: 220px;
  line-height: 1.5;
}

.section-about .footnotes {
  max-width: 900px;
  margin: 40px auto 0;
  font-size: 11px;
  color: var(--text-muted);
  line-height: 1.6;
  text-align: left;
}

/* ─── Footer ─── */
.site-footer {
  background: var(--mlc-dark);
  color: rgba(255, 255, 255, 0.85);
  padding: 48px 32px 24px;
}

.footer-top {
  max-width: 1400px;
  margin: 0 auto 40px;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: flex-start;
  gap: 32px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.footer-office p {
  font-size: 14px;
  line-height: 1.7;
  max-width: 320px;
}

.footer-office strong {
  display: block;
  color: var(--white);
  margin-bottom: 8px;
  font-size: 13px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.footer-links-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 24px;
  font-size: 13px;
}

.footer-links-row a:hover {
  color: var(--mlc-orange);
}

.footer-grid {
  max-width: 1400px;
  margin: 0 auto 32px;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 24px;
}

.footer-col h4 {
  font-size: 13px;
  font-weight: 700;
  margin-bottom: 16px;
  color: var(--white);
}

.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-col a {
  font-size: 13px;
  opacity: 0.85;
  transition: opacity 0.2s, color 0.2s;
}

.footer-col a:hover {
  opacity: 1;
  color: var(--fs-teal);
}

.footer-legal {
  max-width: 1400px;
  margin: 0 auto;
  font-size: 11px;
  line-height: 1.7;
  opacity: 0.65;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-bottom {
  max-width: 1400px;
  margin: 24px auto 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-size: 12px;
}

.footer-legal-links {
  display: flex;
  gap: 20px;
  font-size: 13px;
}

.footer-legal-links a:hover {
  color: var(--mlc-orange);
}

.section-pillars {
  padding: 72px 48px;
  background: var(--white);
  text-align: center;
}

.section-pillars h2 {
  font-family: var(--font-serif);
  font-size: 34px;
  color: var(--mlc-dark);
  margin-bottom: 48px;
}

.pillars-grid {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}

.pillar-item {
  padding: 24px 16px;
}

.pillar-item svg {
  width: 56px;
  height: 56px;
  color: var(--mlc-orange);
  margin: 0 auto 16px;
}

.pillar-item h3 {
  font-size: 17px;
  color: var(--mlc-dark);
  margin-bottom: 10px;
  font-weight: 700;
}

.pillar-item p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}

.section-disclaimer {
  max-width: 900px;
  margin: 0 auto;
  padding: 0 48px 48px;
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.7;
  text-align: center;
}

/* ─── Scroll reveal ─── */
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.7s var(--ease-out), transform 0.7s var(--ease-out);
}

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

/* ─── Responsive ─── */
@media (max-width: 1100px) {
  .hero-mlc {
    grid-template-columns: 1fr;
    max-height: none;
  }

  .hero-mlc__content {
    padding: 48px 32px;
    order: 1;
  }

  .hero-mlc__media {
    order: 2;
    min-height: 360px;
  }

  .mlc-grid,
  .mlc-webinar {
    grid-template-columns: 1fr;
  }

  .etf-card {
    grid-template-columns: 1fr;
  }

  .etf-card__visual {
    min-height: 180px;
  }

  .strategy-grid,
  .insight-grid {
    grid-template-columns: 1fr;
  }

  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .header-audience,
  .header-actions .btn-login {
    display: none;
  }

  .mobile-toggle {
    display: block;
  }

  .header-nav {
    display: none;
    flex-direction: column;
    align-items: flex-start;
    padding-bottom: 20px;
  }

  .header-nav.is-open {
    display: flex;
  }

  .hero-fs__content {
    padding: 56px 24px;
  }

  .mlc-card {
    padding: 28px 24px;
  }

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

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .fund-search {
    flex-direction: column;
  }

  .fund-search button {
    width: 100%;
  }
}

@media (prefers-reduced-motion: reduce) {
  .hero-mlc__kenburns,
  .hero-fs__kenburns,
  .page-hero__kenburns {
    animation: none;
  }

  .reveal {
    opacity: 1;
    transform: none;
  }
}

/* ─── Inner page hero (unique background per page) ─── */
.page-hero {
  position: relative;
  min-height: 300px;
  overflow: hidden;
  background-color: var(--mlc-dark);
}

.page-hero__kenburns {
  position: absolute;
  inset: -10%;
  background-size: cover;
  background-position: center;
  animation: fsKenBurns 32s ease-in-out infinite alternate;
}

.page-hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(26, 26, 26, 0.93) 0%,
    rgba(26, 26, 26, 0.72) 45%,
    rgba(26, 26, 26, 0.35) 100%
  );
  z-index: 1;
}

.page-hero__inner {
  position: relative;
  z-index: 2;
  max-width: 1400px;
  margin: 0 auto;
  padding: 72px 48px 56px;
  min-width: 1280px;
}

.page-hero__inner h1 {
  font-family: var(--font-serif);
  font-size: clamp(32px, 3.5vw, 44px);
  color: var(--white);
  font-weight: 700;
  letter-spacing: 0.02em;
}

.page-main--shell {
  min-height: 120px;
  max-width: 1400px;
  margin: 0 auto;
  padding: 48px;
  min-width: 1280px;
}