/* ==========================================================================
   IUC — Istanbul Underwriting Center
   Corporate navy-white reinsurance broker site
   ========================================================================== */

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

:root {
  /* Corporate navy/blue palette */
  --navy-900: #061830;
  --navy-800: #0a2540;
  --navy-700: #102b4d;
  --blue-700: #1e3a8a;
  --blue-600: #1e40af;
  --blue-500: #2563eb;
  --blue-400: #3b82f6;
  --blue-50:  #eff6ff;

  --accent:   #b91c1c; /* IUC brand red (from old logo) */
  --accent-dark: #7f1d1d;

  --white: #ffffff;
  --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-800: #1e293b;
  --gray-900: #0f172a;

  --shadow-sm: 0 1px 2px rgba(10, 37, 64, 0.06);
  --shadow-md: 0 4px 12px rgba(10, 37, 64, 0.08);
  --shadow-lg: 0 12px 32px rgba(10, 37, 64, 0.12);
  --shadow-xl: 0 20px 48px rgba(10, 37, 64, 0.18);

  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;

  --container: 1240px;
  --header-h: 80px;

  --font-serif: 'Playfair Display', 'Cormorant Garamond', Georgia, serif;
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
}

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--gray-800);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; border: none; background: none; }

/* Layout */
.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 96px 0; position: relative; }
@media (max-width: 768px) { section { padding: 64px 0; } }

/* Typography */
h1, h2, h3, h4 { font-family: var(--font-serif); font-weight: 600; line-height: 1.2; color: var(--navy-800); letter-spacing: -0.01em; }
h1 { font-size: clamp(2.2rem, 5vw, 4rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
h4 { font-size: 1.1rem; font-weight: 700; }

.eyebrow {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--blue-600);
  margin-bottom: 16px;
  position: relative;
  padding-left: 32px;
}
.eyebrow::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  width: 24px;
  height: 2px;
  background: var(--blue-600);
  transform: translateY(-50%);
}

.section-subtitle {
  color: var(--gray-600);
  font-size: 1.05rem;
  max-width: 720px;
  margin-top: 16px;
}

/* Section header centered */
.section-head {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 56px;
}
.section-head .eyebrow { padding-left: 0; }
.section-head .eyebrow::before { display: none; }
.section-head .section-subtitle { margin-left: auto; margin-right: auto; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.01em;
  transition: all 0.2s ease;
  white-space: nowrap;
}
.btn-primary {
  background: var(--navy-800);
  color: var(--white);
  box-shadow: var(--shadow-md);
}
.btn-primary:hover {
  background: var(--blue-600);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}
.btn-outline {
  background: transparent;
  color: var(--navy-800);
  border: 1.5px solid var(--navy-800);
}
.btn-outline:hover {
  background: var(--navy-800);
  color: var(--white);
}

/* ============== Map background helper ============== */
.map-bg {
  position: relative;
  overflow: hidden;
}
.map-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("../images/map-bg.svg");
  background-size: cover;
  background-position: center;
  opacity: 0.06;
  pointer-events: none;
  z-index: 0;
}
.map-bg > * { position: relative; z-index: 1; }

/* ============== Header ============== */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--header-h);
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(12px);
  -webkit-backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--gray-200);
  z-index: 100;
  transition: box-shadow 0.2s ease;
}
.site-header.scrolled { box-shadow: var(--shadow-md); }
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy-800);
  letter-spacing: -0.01em;
}
.brand-logo {
  height: 36px;
  width: auto;
  display: block;
}
.footer-logo {
  height: 32px;
  filter: brightness(0) invert(1);  /* footer koyu zeminde beyaz logo */
  opacity: 0.95;
}
@media (max-width: 480px) {
  .brand-logo { height: 30px; }
}

.nav-desktop {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-desktop a {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--gray-700);
  position: relative;
  transition: color 0.2s ease;
}
.nav-desktop a:hover { color: var(--navy-800); }
.nav-desktop a::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: -6px;
  width: 0;
  height: 2px;
  background: var(--blue-600);
  transition: width 0.2s ease;
}
.nav-desktop a:hover::after { width: 100%; }

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}
.lang-switch {
  padding: 8px 14px;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--gray-700);
  letter-spacing: 0.08em;
  transition: all 0.2s ease;
}
.lang-switch:hover {
  border-color: var(--navy-800);
  color: var(--navy-800);
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  align-items: center;
  justify-content: center;
}
.menu-toggle span {
  width: 24px;
  height: 2px;
  background: var(--navy-800);
  position: relative;
  transition: all 0.3s;
}
.menu-toggle span::before,
.menu-toggle span::after {
  content: '';
  position: absolute;
  left: 0;
  width: 24px;
  height: 2px;
  background: var(--navy-800);
  transition: all 0.3s;
}
.menu-toggle span::before { top: -7px; }
.menu-toggle span::after { top: 7px; }

@media (max-width: 960px) {
  .nav-desktop { display: none; }
  .menu-toggle { display: flex; }
}

/* Mobile nav drawer */
.nav-mobile {
  position: fixed;
  top: var(--header-h);
  left: 0; right: 0;
  background: var(--white);
  padding: 24px;
  border-bottom: 1px solid var(--gray-200);
  transform: translateY(-110%);
  transition: transform 0.3s ease;
  z-index: 99;
}
.nav-mobile.open { transform: translateY(0); box-shadow: var(--shadow-lg); }
.nav-mobile a {
  display: block;
  padding: 14px 0;
  border-bottom: 1px solid var(--gray-100);
  font-weight: 500;
  color: var(--gray-700);
}
.nav-mobile a:last-child { border-bottom: none; }

/* ============== Hero (full-bleed dark editorial) ============== */
.hero {
  position: relative;
  min-height: 100vh;
  padding-top: calc(var(--header-h) + 80px);
  padding-bottom: 0;
  background:
    radial-gradient(ellipse 80% 60% at 20% 0%, rgba(37, 99, 235, 0.18), transparent 60%),
    radial-gradient(ellipse 70% 50% at 100% 100%, rgba(185, 28, 28, 0.10), transparent 60%),
    linear-gradient(180deg, var(--navy-900) 0%, var(--navy-800) 100%);
  color: var(--white);
  overflow: hidden;
  display: flex;
  flex-direction: column;
}
.hero.map-bg::before {
  opacity: 0.15;
  filter: invert(1);
}
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg, transparent 70%, var(--navy-900) 100%);
  pointer-events: none;
  z-index: 0;
}

.hero-inner {
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 40px 0 60px;
  text-align: center;
  position: relative;
  z-index: 2;
}

.hero-eyebrow {
  display: inline-block;
  margin: 0 auto 32px;
  padding: 8px 18px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.14);
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  border-radius: 100px;
  backdrop-filter: blur(8px);
}

.hero-title {
  font-size: clamp(2.6rem, 7vw, 6rem);
  line-height: 1;
  letter-spacing: -0.02em;
  color: var(--white);
  margin: 0 auto 28px;
  max-width: 1100px;
}
.hero-title .pre {
  display: block;
  font-family: var(--font-sans);
  font-size: 0.22em;
  font-weight: 500;
  letter-spacing: 0.32em;
  color: var(--blue-400);
  text-transform: uppercase;
  margin-bottom: 24px;
}
.hero-title .pre:empty { display: none; margin: 0; }
.hero-title .main {
  display: block;
  font-style: italic;
  font-weight: 600;
}

.hero-tagline {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: clamp(1.1rem, 1.8vw, 1.4rem);
  color: rgba(255, 255, 255, 0.7);
  margin: 0 auto 32px;
  max-width: 600px;
  position: relative;
  padding-top: 24px;
}
.hero-tagline::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 60px;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--blue-400), transparent);
}

.hero-intro {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.7);
  max-width: 680px;
  margin: 0 auto 40px;
  line-height: 1.7;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 60px;
}
.hero .btn-primary {
  background: var(--white);
  color: var(--navy-800);
}
.hero .btn-primary:hover {
  background: var(--blue-500);
  color: var(--white);
}
.hero .btn-outline {
  border-color: rgba(255, 255, 255, 0.4);
  color: var(--white);
}
.hero .btn-outline:hover {
  background: var(--white);
  color: var(--navy-800);
  border-color: var(--white);
}

/* Value indicators strip */
.hero-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  margin-top: auto;
  position: relative;
  z-index: 2;
}
@media (max-width: 880px) {
  .hero-stats { grid-template-columns: repeat(2, 1fr); }
}
.hero-stat {
  padding: 28px 24px;
  text-align: center;
  border-right: 1px solid rgba(255, 255, 255, 0.08);
  position: relative;
}
.hero-stat:last-child { border-right: none; }
@media (max-width: 880px) {
  .hero-stat:nth-child(2n) { border-right: none; }
  .hero-stat:nth-child(-n+2) { border-bottom: 1px solid rgba(255, 255, 255, 0.08); }
}
.hero-stat .label {
  display: block;
  font-family: var(--font-serif);
  font-size: clamp(1.05rem, 1.8vw, 1.35rem);
  font-weight: 600;
  color: var(--white);
  margin-bottom: 4px;
  letter-spacing: -0.005em;
}
.hero-stat .sub {
  display: block;
  font-size: 0.72rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.5);
  font-weight: 500;
}

/* Hero scroll cue */
.hero-scroll {
  position: absolute;
  bottom: 20px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 3;
  color: rgba(255, 255, 255, 0.5);
  font-size: 0.7rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  animation: bounce 2.4s ease-in-out infinite;
}
.hero-scroll::after {
  content: '';
  width: 1px;
  height: 28px;
  background: linear-gradient(180deg, var(--blue-400), transparent);
}
@keyframes bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50% { transform: translateX(-50%) translateY(6px); }
}

/* ============== Company section (3 cards) ============== */
.company {
  background: var(--white);
}

.cards-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
@media (max-width: 880px) { .cards-3 { grid-template-columns: 1fr; } }

.feature-card {
  padding: 40px 32px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
}
.feature-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--blue-600), var(--blue-400));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}
.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--blue-400);
}
.feature-card:hover::before { transform: scaleX(1); }
.feature-card .icon {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--blue-50);
  color: var(--blue-600);
  border-radius: var(--radius-md);
  margin-bottom: 24px;
}
.feature-card .icon svg { width: 28px; height: 28px; }
.feature-card h3 { margin-bottom: 12px; }
.feature-card p { color: var(--gray-600); }

/* ============== Services (Treaty + Facultative split) ============== */
.services { background: var(--gray-50); }
.services.map-bg::before { opacity: 0.04; }

.risk-formula {
  text-align: center;
  margin: 0 auto 56px;
  max-width: 600px;
}
.risk-formula .def {
  font-family: var(--font-serif);
  font-style: italic;
  color: var(--gray-600);
  font-size: 1.1rem;
  margin-bottom: 20px;
}
.risk-formula .formula {
  font-family: var(--font-serif);
  font-size: 1.8rem;
  color: var(--navy-800);
  font-weight: 600;
  letter-spacing: 0.04em;
}
.risk-formula .formula span {
  color: var(--blue-600);
  font-style: italic;
}

.services-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}
@media (max-width: 880px) { .services-split { grid-template-columns: 1fr; } }

.service-panel {
  padding: 48px 40px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  position: relative;
}
.service-panel.treaty { border-top: 4px solid var(--blue-600); }
.service-panel.facultative { border-top: 4px solid var(--accent); }

.service-panel h3 {
  font-size: 1.8rem;
  margin-bottom: 8px;
}
.service-panel .panel-sub {
  color: var(--gray-500);
  font-size: 0.85rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-bottom: 28px;
  font-weight: 600;
}
.service-panel .panel-body {
  color: var(--gray-600);
  margin-bottom: 24px;
}
.tag-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  list-style: none;
}
.tag-list li {
  padding: 8px 14px;
  background: var(--gray-100);
  color: var(--gray-700);
  border-radius: 100px;
  font-size: 0.85rem;
  font-weight: 500;
  transition: all 0.2s ease;
}
.service-panel.treaty .tag-list li:hover { background: var(--blue-600); color: var(--white); }
.service-panel.facultative .tag-list li:hover { background: var(--accent); color: var(--white); }

/* ============== Expertises grid (12 cards with icons) ============== */
.expertises { background: var(--white); }

.expertises-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
@media (max-width: 1000px) { .expertises-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 720px)  { .expertises-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px)  { .expertises-grid { grid-template-columns: 1fr; } }

.exp-card {
  padding: 32px 24px 28px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
}
.exp-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--blue-600), var(--blue-400));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}
.exp-card:hover {
  border-color: var(--blue-400);
  transform: translateY(-6px);
  box-shadow: 0 16px 36px rgba(10, 37, 64, 0.10);
}
.exp-card:hover::before { transform: scaleX(1); }

.exp-card .num {
  position: absolute;
  top: 16px;
  right: 20px;
  font-family: var(--font-serif);
  font-size: 1.1rem;
  color: var(--gray-300);
  font-weight: 600;
  letter-spacing: 0.05em;
  transition: color 0.3s;
}
.exp-card:hover .num { color: var(--blue-500); }

.exp-card .exp-icon {
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--blue-50);
  color: var(--blue-600);
  border-radius: var(--radius-sm);
  margin-bottom: 20px;
  transition: all 0.3s;
}
.exp-card:hover .exp-icon {
  background: var(--blue-600);
  color: var(--white);
  transform: scale(1.05);
}
.exp-card .exp-icon svg { width: 26px; height: 26px; }

.exp-card h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.15rem;
  color: var(--navy-800);
  margin-bottom: 8px;
  letter-spacing: -0.005em;
}
.exp-card p {
  font-size: 0.88rem;
  color: var(--gray-600);
  line-height: 1.55;
}

/* ============== Approach 5D (editorial timeline) ============== */
.approach {
  background:
    radial-gradient(ellipse 60% 50% at 50% 0%, rgba(37, 99, 235, 0.15), transparent 60%),
    var(--navy-900);
  color: var(--white);
  position: relative;
}
.approach.map-bg::before { filter: invert(1); opacity: 0.06; }
.approach .eyebrow { color: var(--blue-400); }
.approach .eyebrow::before { background: var(--blue-400); }
.approach h2 { color: var(--white); }
.approach .section-subtitle { color: rgba(255, 255, 255, 0.7); }

.approach-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0;
  position: relative;
  z-index: 2;
}
@media (max-width: 1000px) { .approach-grid { grid-template-columns: repeat(3, 1fr); gap: 8px; } }
@media (max-width: 720px)  { .approach-grid { grid-template-columns: repeat(2, 1fr); gap: 8px; } }
@media (max-width: 480px)  { .approach-grid { grid-template-columns: 1fr; gap: 8px; } }

.step-card {
  padding: 40px 28px 36px;
  background: transparent;
  border-right: 1px solid rgba(255, 255, 255, 0.08);
  transition: background 0.35s ease;
  position: relative;
}
.step-card:last-child { border-right: none; }
@media (max-width: 1000px) {
  .step-card { border-right: none; background: rgba(255, 255, 255, 0.04); border-radius: var(--radius-md); }
}
.step-card:hover { background: rgba(255, 255, 255, 0.04); }
.step-card::before {
  content: '';
  position: absolute;
  top: 0; left: 50%;
  width: 0;
  height: 2px;
  background: var(--blue-400);
  transform: translateX(-50%);
  transition: width 0.4s ease;
}
.step-card:hover::before { width: 60%; }

.step-card .num {
  display: block;
  font-family: var(--font-serif);
  font-size: 3.5rem;
  line-height: 1;
  font-weight: 600;
  color: var(--blue-400);
  margin-bottom: 20px;
  letter-spacing: -0.02em;
  position: relative;
}
.step-card .num::after {
  content: '';
  display: block;
  width: 32px;
  height: 1px;
  background: var(--blue-400);
  margin-top: 16px;
  opacity: 0.4;
}
.step-card h4 {
  color: var(--white);
  font-family: var(--font-serif);
  font-size: 1.2rem;
  font-weight: 600;
  margin-bottom: 12px;
  letter-spacing: -0.005em;
}
.step-card p {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.9rem;
  line-height: 1.6;
}

/* ============== Vision (editorial pull quote) ============== */
.vision {
  background: var(--gray-50);
  position: relative;
  overflow: hidden;
}
.vision::before {
  content: '"';
  position: absolute;
  top: -120px;
  left: -20px;
  font-family: var(--font-serif);
  font-size: 32rem;
  line-height: 0.8;
  color: var(--blue-500);
  opacity: 0.04;
  pointer-events: none;
  font-style: italic;
}
.vision-inner {
  max-width: 980px;
  margin: 0 auto;
  text-align: center;
  position: relative;
  z-index: 1;
}
.vision .eyebrow {
  padding-left: 0;
  margin-bottom: 40px;
}
.vision .eyebrow::before { display: none; }

.vision blockquote {
  font-family: var(--font-serif);
  font-size: clamp(1.5rem, 3vw, 2.4rem);
  font-style: italic;
  font-weight: 500;
  line-height: 1.4;
  color: var(--navy-800);
  margin: 24px auto;
  position: relative;
  letter-spacing: -0.01em;
  max-width: 920px;
}
.vision blockquote::before,
.vision blockquote::after { content: none; }

.vision .quote-divider {
  display: block;
  width: 60px;
  height: 2px;
  background: var(--blue-500);
  margin: 40px auto;
  opacity: 0.6;
}

.vision .quote-2 {
  margin-top: 0;
  font-size: clamp(1rem, 1.4vw, 1.15rem);
  color: var(--gray-600);
  font-style: italic;
  font-family: var(--font-serif);
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.6;
}

/* ============== Team (larger editorial cards) ============== */
.team { background: var(--white); }

.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
@media (max-width: 880px) { .team-grid { grid-template-columns: 1fr; max-width: 460px; margin-left: auto; margin-right: auto; } }

.team-card {
  position: relative;
  overflow: hidden;
  border-radius: var(--radius-md);
  background: var(--navy-900);
  aspect-ratio: 4/5;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 2px 12px rgba(10, 37, 64, 0.06);
}
.team-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 24px 48px rgba(10, 37, 64, 0.18);
}
.team-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.8s cubic-bezier(0.4, 0, 0.2, 1);
  filter: saturate(0.95);
}
.team-card:hover img { transform: scale(1.06); filter: saturate(1.1); }
.team-card::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 40%, rgba(6, 24, 48, 0.55) 75%, rgba(6, 24, 48, 0.95) 100%);
  pointer-events: none;
  transition: opacity 0.3s;
}

.team-card-info {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 28px 28px 26px;
  color: var(--white);
  z-index: 2;
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 16px;
}
.team-card-meta {
  flex: 1;
  min-width: 0;
}
.team-card-eyebrow {
  display: block;
  font-size: 0.72rem;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--blue-400);
  font-weight: 700;
  margin-bottom: 10px;
}
.team-card-name {
  font-family: var(--font-serif);
  font-size: clamp(1.3rem, 1.6vw, 1.55rem);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: -0.005em;
  color: var(--white);
}
.team-card-title {
  display: block;
  margin-top: 8px;
  font-size: 0.82rem;
  font-weight: 500;
  line-height: 1.3;
  color: rgba(255, 255, 255, 0.72);
  letter-spacing: 0.01em;
}
.team-card-li {
  width: 42px;
  height: 42px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  backdrop-filter: blur(8px);
  transition: all 0.25s ease;
  flex-shrink: 0;
}
.team-card-li:hover {
  background: #0a66c2;
  border-color: #0a66c2;
  transform: scale(1.08) rotate(-3deg);
}
.team-card-li svg { width: 18px; height: 18px; }

/* ============== Contact ============== */
.contact { background: var(--gray-50); }
.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 56px;
  align-items: start;
}
@media (max-width: 880px) { .contact-inner { grid-template-columns: 1fr; } }

.contact-info { padding-top: 16px; }
.contact-info .item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  margin-bottom: 28px;
}
.contact-info .icon {
  width: 44px;
  height: 44px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue-600);
  flex-shrink: 0;
}
.contact-info .icon svg { width: 20px; height: 20px; }
.contact-info .label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gray-500);
  margin-bottom: 4px;
}
.contact-info .value {
  font-size: 1.05rem;
  color: var(--navy-800);
  font-weight: 500;
}
.contact-info a.value:hover { color: var(--blue-600); }

.contact-form {
  background: var(--white);
  padding: 40px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 6px;
  letter-spacing: 0.04em;
}
.form-group input,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  background: var(--white);
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: var(--gray-800);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--blue-500);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}
.form-group textarea { min-height: 120px; resize: vertical; }
.form-submit { margin-top: 8px; width: 100%; justify-content: center; }
.form-status {
  margin-top: 16px;
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  display: none;
}
.form-status.success { display: block; background: #ecfdf5; color: #065f46; border: 1px solid #a7f3d0; }
.form-status.error { display: block; background: #fef2f2; color: #991b1b; border: 1px solid #fecaca; }

/* ============== Footer ============== */
.site-footer {
  background: var(--navy-900);
  color: rgba(255, 255, 255, 0.7);
  padding: 56px 0 28px;
}
.footer-inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
@media (max-width: 760px) { .footer-inner { grid-template-columns: 1fr; gap: 32px; } }

.footer-brand {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.footer-brand .brand { color: var(--white); }
.footer-brand .brand img { filter: brightness(0) invert(1); height: 40px; }
.footer-brand .tagline {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.6);
  max-width: 320px;
}

.footer-col h5 {
  color: var(--white);
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-col a, .footer-col p {
  display: block;
  color: rgba(255, 255, 255, 0.6);
  padding: 6px 0;
  font-size: 0.92rem;
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--white); }

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.5);
}
.footer-bottom .broker-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 12px;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 4px;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.8);
}

/* ============== Animations ============== */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Reduce motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* Print */
@media print {
  .site-header, .nav-mobile, .contact-form, .menu-toggle { display: none; }
  body { color: black; background: white; }
  section { padding: 24px 0; }
}