:root {
  --bg-primary: #f8fafc;
  --bg-card: #ffffff;
  --bg-card-hover: #ffffff;
  --border-color: #e2e8f0;
  --border-focus: #0284c7;
  --text-primary: #0f172a;
  --text-secondary: #475569;
  --text-muted: #64748b;
  --accent-blue: #0284c7;
  --primary-blue: #0052cc;
  --primary-blue-hover: #0043a8;
  --success-emerald: #059669;
  --future-blue: #0284c7;
  --unqualified-slate: #64748b;
  --font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Inter", Helvetica, Arial, sans-serif;
  --shadow-sm: 0 1px 2px 0 rgba(15, 23, 42, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.07), 0 2px 4px -2px rgba(15, 23, 42, 0.05);
  --shadow-lg: 0 10px 15px -3px rgba(15, 23, 42, 0.08), 0 4px 6px -4px rgba(15, 23, 42, 0.04);
}

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

body {
  font-family: var(--font-family);
  background-color: var(--bg-primary);
  color: var(--text-primary);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a {
  color: var(--primary-blue);
  text-decoration: none;
  transition: color 0.15s ease;
}

a:hover {
  text-decoration: underline;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Header & Nav */
.header {
  border-bottom: 1px solid var(--border-color);
  background: #ffffff;
  position: sticky;
  top: 0;
  z-index: 50;
  box-shadow: 0 1px 3px rgba(15, 23, 42, 0.04);
}

.nav-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 16px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo a {
  font-size: 24px;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: #0f172a;
  text-decoration: none;
}

.logo span {
  color: #0052cc;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-link {
  color: var(--text-secondary);
  font-size: 14.5px;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  text-decoration: none;
  transition: color 0.15s ease;
}

.nav-link:hover {
  color: #0f172a;
  text-decoration: none;
}

.nav-chevron {
  font-size: 10px;
  color: var(--text-muted);
}

.nav-actions {
  display: flex;
  align-items: center;
}

.btn-nav-cta {
  background: #0052cc;
  color: #ffffff !important;
  font-size: 14px;
  font-weight: 700;
  padding: 10px 22px;
  border-radius: 6px;
  text-decoration: none;
  transition: background 0.15s ease, transform 0.1s ease;
}

.btn-nav-cta:hover {
  background: #0043a8;
  text-decoration: none;
}

/* Hero Section */
.hero-section {
  background: #ffffff;
  border-bottom: 1px solid var(--border-color);
  position: relative;
  overflow: hidden;
  min-height: 520px;
}

.hero-section::before {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  width: 52%;
  background-image: url('/img/hero-terrace.jpg');
  background-size: cover;
  background-position: center right;
  z-index: 1;
}

.hero-section::after {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  bottom: 0;
  right: 0;
  background: linear-gradient(90deg, #ffffff 0%, #ffffff 48%, rgba(255, 255, 255, 0.85) 58%, rgba(255, 255, 255, 0.2) 75%, rgba(255, 255, 255, 0) 100%);
  z-index: 2;
  pointer-events: none;
}

.hero-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 64px 24px 74px;
  position: relative;
  z-index: 3;
  display: flex;
}

.hero-content {
  max-width: 580px;
}

.hero-badge {
  display: inline-block;
  padding: 6px 14px;
  border-radius: 9999px;
  background: #e0f2fe;
  color: #0369a1;
  font-size: 12px;
  font-weight: 700;
  margin-bottom: 24px;
  border: 1px solid #bae6fd;
}

.hero-headline {
  font-size: clamp(34px, 4.5vw, 46px);
  font-weight: 900;
  line-height: 1.15;
  letter-spacing: -0.03em;
  color: #0f172a;
  margin-bottom: 20px;
}

.hero-subheading {
  font-size: 16px;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 32px;
  max-width: 500px;
}

.hero-cta-row {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  margin-bottom: 36px;
}

.btn-primary-cta {
  background: #0052cc;
  color: #ffffff;
  font-size: 15px;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: 8px;
  border: none;
  cursor: pointer;
  transition: all 0.15s ease;
  box-shadow: 0 4px 12px rgba(0, 82, 204, 0.2);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.btn-primary-cta:hover {
  background: #0043a8;
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(0, 82, 204, 0.3);
}

.btn-secondary-link {
  color: #0052cc;
  font-size: 15px;
  font-weight: 700;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 4px;
}

.btn-secondary-link:hover {
  text-decoration: underline;
}

.hero-trust-bar {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  padding-top: 10px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13.5px;
  font-weight: 600;
  color: #475569;
}

.trust-icon {
  width: 17px;
  height: 17px;
  color: #0284c7;
}

.trust-divider {
  width: 1px;
  height: 14px;
  background: #cbd5e1;
}

.hero-image-wrap {
  display: none;
}

/* Private Market Asset Classes Section */
.asset-classes-section {
  padding: 70px 0 80px;
  background: #f8fafc;
  border-bottom: 1px solid var(--border-color);
}

.section-heading-center {
  text-align: center;
  max-width: 820px;
  margin: 0 auto 50px;
}

.section-heading-center h2 {
  font-size: clamp(26px, 3.5vw, 36px);
  font-weight: 900;
  color: #0f172a;
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}

.section-subtext {
  font-size: 15.5px;
  color: var(--text-secondary);
  line-height: 1.6;
}

.asset-cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}

.asset-card {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: all 0.2s ease;
}

.asset-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: #cbd5e1;
}

.asset-img-wrap {
  width: 100%;
  aspect-ratio: 16 / 10;
  overflow: hidden;
  background: #e2e8f0;
}

.asset-card-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.3s ease;
}

.asset-card:hover .asset-card-img {
  transform: scale(1.03);
}

.asset-card-body {
  padding: 22px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.asset-card-body h3 {
  font-size: 18px;
  font-weight: 800;
  color: #0f172a;
  margin-bottom: 8px;
}

.asset-desc {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.5;
  margin-bottom: 18px;
  flex: 1;
}

.asset-risk-box {
  background: #f8fafc;
  border: 1px solid #f1f5f9;
  border-radius: 6px;
  padding: 10px 12px;
  font-size: 12px;
  color: #64748b;
  line-height: 1.45;
  display: flex;
  align-items: flex-start;
  gap: 6px;
}

.risk-warning-icon {
  color: #d97706;
  font-size: 13px;
  line-height: 1;
  flex-shrink: 0;
  margin-top: 1px;
}

.asset-risk-box strong {
  color: #475569;
}

/* Assessment Wizard Section */
.assessment-section {
  padding: 70px 0 80px;
  background: #ffffff;
  border-bottom: 1px solid var(--border-color);
}

.card-assessment {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: 16px;
  padding: 44px;
  box-shadow: var(--shadow-md);
  max-width: 820px;
  margin: 0 auto;
}

.progress-bar-container {
  margin-bottom: 32px;
}

.progress-labels {
  display: flex;
  justify-content: space-between;
  font-size: 12.5px;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 10px;
}

.progress-track {
  width: 100%;
  height: 6px;
  background: #e2e8f0;
  border-radius: 9999px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, #0284c7, #0052cc);
  width: 16%;
  transition: width 0.3s ease;
}

.step-pane {
  display: none;
}

.step-pane.active {
  display: block;
  animation: fadeIn 0.25s ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(4px); }
  to { opacity: 1; transform: translateY(0); }
}

.step-title {
  font-size: 24px;
  font-weight: 800;
  margin-bottom: 10px;
  color: #0f172a;
}

.step-description {
  font-size: 15px;
  color: var(--text-secondary);
  margin-bottom: 24px;
  line-height: 1.55;
}

.options-grid {
  display: grid;
  gap: 12px;
  margin-bottom: 30px;
}

.option-card {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: 10px;
  padding: 16px 20px;
  display: flex;
  align-items: flex-start;
  cursor: pointer;
  transition: all 0.15s ease;
}

.option-card:hover {
  border-color: #94a3b8;
  background: #f8fafc;
}

.option-card input[type="radio"],
.option-card input[type="checkbox"] {
  margin-top: 3px;
  margin-right: 14px;
  accent-color: #0052cc;
  width: 17px;
  height: 17px;
  cursor: pointer;
  flex-shrink: 0;
}

.option-card label {
  font-size: 15px;
  font-weight: 700;
  color: #0f172a;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.option-card .hint {
  font-size: 13px;
  font-weight: 400;
  color: #64748b;
  line-height: 1.4;
}

.wizard-actions {
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-top: 1px solid var(--border-color);
  padding-top: 24px;
}

.btn-secondary {
  background: #f1f5f9;
  border: 1px solid var(--border-color);
  color: #334155;
  font-size: 14.5px;
  font-weight: 700;
  padding: 12px 22px;
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.15s ease;
}

.btn-secondary:hover {
  background: #e2e8f0;
}

.btn-primary {
  background: #0052cc;
  color: #ffffff;
  border: none;
  font-size: 14.5px;
  font-weight: 700;
  padding: 12px 26px;
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.15s ease;
}

.btn-primary:hover {
  background: #0043a8;
}

/* Results Display Pane */
.result-card {
  padding: 10px 0;
}

.result-status-badge {
  display: inline-block;
  padding: 6px 14px;
  border-radius: 9999px;
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 16px;
}

.likely-qualified .result-status-badge {
  background: #d1fae5;
  color: #065f46;
  border: 1px solid #a7f3d0;
}

.future-rule .result-status-badge {
  background: #e0f2fe;
  color: #0369a1;
  border: 1px solid #bae6fd;
}

.not-qualified .result-status-badge {
  background: #f1f5f9;
  color: #475569;
  border: 1px solid #e2e8f0;
}

.result-title {
  font-size: 26px;
  font-weight: 900;
  margin-bottom: 14px;
  color: #0f172a;
  letter-spacing: -0.02em;
}

.result-reason-box {
  background: #f8fafc;
  border-left: 4px solid #0052cc;
  border-radius: 0 8px 8px 0;
  padding: 16px 20px;
  font-size: 15px;
  font-weight: 600;
  color: #1e293b;
  margin-bottom: 20px;
}

.likely-qualified .result-reason-box {
  border-left-color: #059669;
  background: #f0fdf4;
}

.future-rule .result-reason-box {
  border-left-color: #0284c7;
  background: #f0f9ff;
}

.result-details {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 24px;
}

.result-action-box {
  background: #f8fafc;
  border: 1px solid var(--border-color);
  border-radius: 10px;
  padding: 22px;
  margin: 20px 0;
}

.result-action-box h4 {
  margin-bottom: 12px;
  font-size: 16px;
  color: #0f172a;
}

.result-action-box ul {
  padding-left: 20px;
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
}

.optional-delivery-box {
  margin-top: 28px;
  background: #f8fafc;
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 28px;
}

.optional-delivery-box h3 {
  font-size: 18px;
  font-weight: 800;
  color: #0f172a;
  margin-bottom: 8px;
}

.optional-delivery-box p {
  font-size: 14px;
  color: var(--text-secondary);
  margin-bottom: 20px;
}

/* Forms */
.form-group {
  margin-bottom: 16px;
}

.form-group label {
  display: block;
  font-size: 13.5px;
  font-weight: 700;
  color: #334155;
  margin-bottom: 6px;
}

.form-control {
  width: 100%;
  padding: 12px 14px;
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: 8px;
  color: #0f172a;
  font-size: 14.5px;
  outline: none;
  transition: all 0.15s ease;
}

.form-control:focus {
  border-color: #0052cc;
  box-shadow: 0 0 0 3px rgba(0, 82, 204, 0.12);
}

.checkbox-consent {
  display: flex;
  align-items: flex-start;
  margin: 14px 0;
}

.checkbox-consent input {
  margin-top: 3px;
  margin-right: 10px;
  accent-color: #0052cc;
  width: 16px;
  height: 16px;
  flex-shrink: 0;
}

.checkbox-consent label {
  font-size: 13px;
  color: #475569;
  line-height: 1.45;
}

.hp-field {
  display: none !important;
}

/* Standalone Newsletter Section */
.newsletter-section {
  padding: 80px 0;
  background: #f1f5f9;
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
}

.newsletter-card {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: 16px;
  padding: 44px 48px;
  max-width: 820px;
  margin: 0 auto;
  box-shadow: var(--shadow-sm);
}

.newsletter-card h2 {
  font-size: 26px;
  font-weight: 900;
  color: #0f172a;
  margin-bottom: 10px;
}

.newsletter-card p.subtitle {
  color: var(--text-secondary);
  font-size: 15px;
  margin-bottom: 28px;
  line-height: 1.55;
}

.badge-tag {
  display: inline-block;
  padding: 4px 10px;
  border-radius: 9999px;
  background: #e0f2fe;
  color: #0369a1;
  font-size: 12px;
  font-weight: 700;
  margin-bottom: 12px;
}

.interests-selection {
  margin-bottom: 20px;
}

.interests-selection label.group-label {
  display: block;
  font-size: 13.5px;
  font-weight: 700;
  color: #334155;
  margin-bottom: 10px;
}

.interest-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.interest-chip {
  background: #f8fafc;
  border: 1px solid var(--border-color);
  border-radius: 6px;
  padding: 8px 14px;
  font-size: 13px;
  color: #475569;
  cursor: pointer;
  display: flex;
  align-items: center;
  transition: all 0.15s ease;
  user-select: none;
}

.interest-chip input {
  margin-right: 8px;
  accent-color: #0052cc;
}

.interest-chip.selected {
  border-color: #0052cc;
  color: #0052cc;
  background: #eff6ff;
  font-weight: 600;
}

.newsletter-cta-wrap {
  display: flex;
  justify-content: center;
  align-items: center;
  margin-top: 32px;
}

.newsletter-cta-wrap .btn-primary-cta {
  min-width: 340px;
  padding: 16px 36px;
  font-size: 15.5px;
}

/* Educational Info Section */
.info-section {
  padding: 70px 0;
  background: #ffffff;
}

.info-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 24px;
  margin-top: 36px;
}

.info-card {
  background: #ffffff;
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

.info-card h3 {
  font-size: 18px;
  font-weight: 800;
  margin-bottom: 12px;
  color: #0f172a;
}

.info-card p {
  font-size: 14.5px;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* Disclaimers & Footer */
.disclaimer-banner {
  background: #f8fafc;
  border: 1px solid var(--border-color);
  border-radius: 10px;
  padding: 24px;
  margin: 40px 0 0;
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.6;
}

.footer {
  border-top: 1px solid var(--border-color);
  padding: 40px 0;
  text-align: center;
  font-size: 13px;
  color: var(--text-muted);
  background: #ffffff;
}

/* Responsive */
@media (max-width: 1024px) {
  .hero-container {
    grid-template-columns: 1fr;
    gap: 36px;
    padding: 40px 24px;
  }
  .asset-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .nav-menu {
    display: none;
  }
}

@media (max-width: 640px) {
  .hero-headline {
    font-size: 32px;
  }
  .asset-cards-grid {
    grid-template-columns: 1fr;
  }
  .card-assessment, .newsletter-card {
    padding: 24px 20px;
  }
  .hero-cta-row {
    flex-direction: column;
    align-items: stretch;
  }
  .btn-primary-cta, .btn-secondary-link {
    width: 100%;
    text-align: center;
    justify-content: center;
  }
  .newsletter-cta-wrap .btn-primary-cta {
    min-width: 0;
    width: 100%;
  }
}