*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#0A1628;--navy2:#0F1E38;--navy3:#162545;
  --gold:#C9A84C;--gold2:#E8C96A;--gold3:#F5E4B0;
  --cream:#FAF8F3;--cream2:#F0EDE4;
  --text:#0A1628;--text2:#3A4A6B;--text3:#6B7A99;
  --white:#FFFFFF;
  --card-shadow:0 2px 20px rgba(10,22,40,0.08);
  --transition:0.25s cubic-bezier(0.4,0,0.2,1);
}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--cream);color:var(--text);font-size:16px;line-height:1.7;overflow-x:hidden}
a{color:inherit;text-decoration:none}
img{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:'Playfair Display',serif;line-height:1.25}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ── NAV ── */
#nav{position:sticky;top:0;z-index:1000;background:rgba(10,22,40,0.97);backdrop-filter:blur(12px);border-bottom:1px solid rgba(201,168,76,0.2)}
.nav-inner{max-width:1280px;margin:0 auto;padding:0 24px;display:flex;align-items:center;gap:8px;height:68px}
.nav-logo{font-family:'Playfair Display',serif;font-size:20px;font-weight:700;color:var(--white);flex:0 0 auto;letter-spacing:-0.3px}
.nav-logo span{color:var(--gold)}
.nav-logo-img{height:44px;width:auto;display:block;filter:brightness(1.05)}
.footer-logo-img{height:64px;width:auto;display:block;margin-bottom:12px;filter:brightness(1.1)}
.nav-links{display:flex;align-items:center;gap:2px;margin-left:32px;flex:1}
.nav-links a{color:rgba(255,255,255,0.75);font-size:13.5px;font-weight:500;padding:6px 12px;border-radius:6px;transition:all var(--transition);white-space:nowrap}
.nav-links a:hover,.nav-links a.active{color:var(--white);background:rgba(201,168,76,0.15)}
.nav-dropdown{position:relative;display:flex;align-items:center}
.nav-dropdown-trigger{color:rgba(255,255,255,0.75);font-size:13.5px;font-weight:500;padding:6px 12px;border-radius:6px;cursor:pointer;white-space:nowrap;user-select:none;transition:all var(--transition)}
.nav-dropdown:hover .nav-dropdown-trigger,.nav-dropdown.active .nav-dropdown-trigger{color:var(--white);background:rgba(201,168,76,0.15)}
.nav-dropdown-menu{position:absolute;top:100%;left:50%;transform:translateX(-50%);background:#1a2744;border:1px solid rgba(201,168,76,.25);border-radius:10px;padding:14px 6px 6px;min-width:180px;display:none;flex-direction:column;gap:2px;z-index:1001;box-shadow:0 8px 32px rgba(0,0,0,.5)}
.nav-dropdown:hover .nav-dropdown-menu{display:flex}
.nav-dropdown-menu a{color:rgba(255,255,255,0.8);font-size:13px;font-weight:500;padding:9px 14px;border-radius:7px;white-space:nowrap;transition:all .15s;display:block}
.nav-dropdown-menu a:hover{color:var(--white);background:rgba(201,168,76,0.15)}
.nav-cta{margin-left:auto;background:var(--gold);color:var(--navy);font-weight:600;font-size:13px;padding:8px 18px;border-radius:6px;transition:all var(--transition);white-space:nowrap;flex:0 0 auto}
.nav-cta:hover{background:var(--gold2)}
.ham{display:none;background:none;border:none;cursor:pointer;padding:8px;color:var(--white)}
.ham svg{width:22px;height:22px}
#mobile-menu{display:none;background:var(--navy);border-top:1px solid rgba(201,168,76,0.2);padding:16px 24px 24px}
#mobile-menu a{display:block;color:rgba(255,255,255,0.8);padding:10px 0;font-size:15px;border-bottom:1px solid rgba(255,255,255,0.06)}
#mobile-menu a:last-child{border-bottom:none}

/* ── HERO ── */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 50%,#1a2d52 100%);min-height:580px;display:flex;align-items:center;position:relative;overflow:hidden;padding:80px 24px}
.hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23C9A84C' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");pointer-events:none}
.hero-inner{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1fr 420px;gap:80px;align-items:center;width:100%;position:relative}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(201,168,76,0.15);border:1px solid rgba(201,168,76,0.3);color:var(--gold2);font-size:12px;font-weight:600;letter-spacing:0.8px;text-transform:uppercase;padding:6px 14px;border-radius:100px;margin-bottom:24px}
.hero-badge::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--gold2)}
.hero h1{font-size:clamp(36px,4vw,54px);font-weight:700;color:var(--white);margin-bottom:20px;line-height:1.15}
.hero h1 em{color:var(--gold);font-style:normal}
.hero p{font-size:17px;color:rgba(255,255,255,0.72);line-height:1.75;max-width:520px;margin-bottom:36px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.btn-primary{background:var(--gold);color:var(--navy);font-weight:700;font-size:15px;padding:13px 28px;border-radius:8px;transition:all var(--transition);letter-spacing:-0.1px}
.btn-primary:hover{background:var(--gold2);transform:translateY(-1px)}
.btn-ghost{border:1.5px solid rgba(255,255,255,0.3);color:var(--white);font-weight:500;font-size:15px;padding:13px 28px;border-radius:8px;transition:all var(--transition)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}
.hero-stats{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.stat-card{background:rgba(255,255,255,0.06);border:1px solid rgba(201,168,76,0.2);border-radius:12px;padding:24px;backdrop-filter:blur(4px)}
.stat-number{font-family:'Playfair Display',serif;font-size:38px;font-weight:700;color:var(--gold);line-height:1}
.stat-label{font-size:13px;color:rgba(255,255,255,0.6);margin-top:6px;font-weight:400}

/* ── SECTIONS ── */
.section{padding:80px 24px;display:none}
.section.active{display:block}
.section-intro{max-width:1280px;margin:0 auto 56px;text-align:center}
.section-intro .eyebrow{font-size:12px;font-weight:600;letter-spacing:1.2px;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.section-intro h2{font-size:clamp(28px,3vw,42px);color:var(--navy);margin-bottom:16px}
.section-intro p{font-size:17px;color:var(--text2);max-width:620px;margin:0 auto}

/* ── ARTICLE GRID ── */
.grid{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:28px}
#home-articles-grid:empty{min-height:680px}
@media(max-width:680px){#home-articles-grid:empty{min-height:1800px}}
.card{background:var(--white);border-radius:14px;overflow:hidden;box-shadow:var(--card-shadow);transition:all var(--transition);border:1px solid rgba(10,22,40,0.06);display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:0 12px 40px rgba(10,22,40,0.15)}
.card-img{height:200px;object-fit:cover;background:linear-gradient(135deg,var(--navy) 0%,var(--navy3) 100%);display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;flex-shrink:0}
.card-img-inner{font-family:'Playfair Display',serif;font-size:48px;opacity:0.15;color:var(--gold)}
.card-cat{position:absolute;top:12px;left:12px;background:var(--gold);color:var(--navy);font-size:11px;font-weight:700;letter-spacing:0.6px;text-transform:uppercase;padding:4px 10px;border-radius:4px}
.card-body{padding:24px;flex:1;display:flex;flex-direction:column}
.card-meta{font-size:12px;color:var(--text3);margin-bottom:10px;display:flex;gap:12px}
.card h3{font-size:19px;font-weight:600;color:var(--navy);margin-bottom:10px;line-height:1.3}
.card h3 a:hover{color:var(--gold)}
.card p{font-size:14px;color:var(--text2);line-height:1.7;flex:1}
.card-footer{margin-top:20px;padding-top:16px;border-top:1px solid var(--cream2);display:flex;align-items:center;justify-content:space-between}
.read-more{font-size:13px;font-weight:600;color:var(--gold);display:flex;align-items:center;gap:6px;transition:gap var(--transition)}
.card:hover .read-more{gap:10px}
.read-time{font-size:12px;color:var(--text3)}

/* ── FEATURED ARTICLE (full) ── */
.article-full{max-width:800px;margin:0 auto;background:var(--white);border-radius:16px;padding:clamp(28px,5vw,56px);box-shadow:var(--card-shadow)}
.article-full .article-header{margin-bottom:32px}
.article-full .cat-badge{display:inline-block;background:rgba(201,168,76,0.15);color:var(--gold);font-size:12px;font-weight:700;letter-spacing:0.8px;text-transform:uppercase;padding:5px 12px;border-radius:4px;margin-bottom:16px}
.article-full h1{font-size:clamp(26px,3.5vw,40px);color:var(--navy);margin-bottom:16px}
.article-full .meta-row{display:flex;gap:20px;flex-wrap:wrap;font-size:13px;color:var(--text3);padding-bottom:24px;border-bottom:2px solid var(--cream2)}
.article-full .meta-row span{display:flex;align-items:center;gap:6px}
.article-full h2{font-size:24px;color:var(--navy);margin:36px 0 14px}
.article-full h3{font-size:19px;color:var(--navy);margin:28px 0 12px}
.article-full p{color:var(--text2);margin-bottom:18px;line-height:1.8}
.article-full ul,.article-full ol{padding-left:24px;color:var(--text2);margin-bottom:18px}
.article-full li{margin-bottom:8px;line-height:1.7}
.article-full blockquote{border-left:4px solid var(--gold);padding:16px 24px;background:rgba(201,168,76,0.06);border-radius:0 8px 8px 0;margin:28px 0;font-style:italic;color:var(--text2);font-size:17px}
.article-full .data-table{width:100%;border-collapse:collapse;margin:24px 0;font-size:14px}
.article-full .data-table th{background:var(--navy);color:var(--white);padding:10px 14px;text-align:left;font-weight:600;font-size:13px}
.article-full .data-table td{padding:10px 14px;border-bottom:1px solid var(--cream2);color:var(--text2)}
.article-full .data-table tr:nth-child(even) td{background:var(--cream)}
.key-point{background:linear-gradient(135deg,rgba(10,22,40,0.04),rgba(201,168,76,0.06));border:1px solid rgba(201,168,76,0.2);border-radius:10px;padding:20px 24px;margin:24px 0}
.key-point .kp-title{font-weight:700;color:var(--navy);font-size:14px;margin-bottom:8px;display:flex;align-items:center;gap:8px}
.key-point .kp-title::before{content:'💡';font-size:16px}

/* ── RSS AGGREGATOR ── */
.aggregator{background:var(--navy);padding:80px 24px}
.aggregator-inner{max-width:1280px;margin:0 auto}
.aggregator h2{font-family:'Playfair Display',serif;font-size:clamp(26px,3vw,38px);color:var(--white);margin-bottom:8px}
.aggregator-sub{color:rgba(255,255,255,0.6);font-size:15px;margin-bottom:40px}
.agg-disclaimer{background:rgba(201,168,76,0.1);border:1px solid rgba(201,168,76,0.25);border-radius:8px;padding:12px 18px;font-size:13px;color:rgba(255,255,255,0.65);margin-bottom:36px;line-height:1.6}
.agg-disclaimer strong{color:var(--gold)}
.agg-controls{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:32px}
.agg-btn{background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.15);color:rgba(255,255,255,0.7);font-size:13px;font-weight:500;padding:8px 16px;border-radius:6px;cursor:pointer;transition:all var(--transition);font-family:'DM Sans',sans-serif}
.agg-btn:hover,.agg-btn.active{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.agg-refresh{background:rgba(201,168,76,0.15);border:1px solid rgba(201,168,76,0.3);color:var(--gold);font-size:13px;font-weight:600;padding:8px 18px;border-radius:6px;cursor:pointer;transition:all var(--transition);font-family:'DM Sans',sans-serif;margin-left:auto;display:flex;align-items:center;gap:8px}
.agg-refresh:hover{background:var(--gold);color:var(--navy)}
.agg-refresh.loading svg{animation:spin 1s linear infinite}
@keyframes spin{from{transform:rotate(0deg)}to{transform:rotate(360deg)}}
.feed-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:20px}
.feed-item{background:rgba(255,255,255,0.05);border:1px solid rgba(255,255,255,0.1);border-radius:12px;padding:20px;transition:all var(--transition);display:flex;flex-direction:column;gap:12px}
.feed-item:hover{background:rgba(255,255,255,0.09);border-color:rgba(201,168,76,0.3);transform:translateY(-2px)}
.feed-source{display:flex;align-items:center;gap:8px}
.source-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0}
.source-name{font-size:11px;font-weight:700;letter-spacing:0.6px;text-transform:uppercase;color:rgba(255,255,255,0.5)}
.feed-title{font-family:'Playfair Display',serif;font-size:16px;color:var(--white);line-height:1.4;font-weight:600}
.feed-title a{transition:color var(--transition)}
.feed-title a:hover{color:var(--gold2)}
.feed-desc{font-size:13px;color:rgba(255,255,255,0.55);line-height:1.6;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.feed-footer{display:flex;align-items:center;justify-content:space-between;margin-top:4px}
.feed-date{font-size:12px;color:rgba(255,255,255,0.35)}
.feed-link{font-size:12px;font-weight:600;color:var(--gold);display:flex;align-items:center;gap:4px}
.feed-link:hover{color:var(--gold2)}
.feed-placeholder{text-align:center;padding:48px 24px;color:rgba(255,255,255,0.4);grid-column:1/-1}
.feed-placeholder svg{width:40px;height:40px;margin-bottom:16px;opacity:0.3}
.feed-error{background:rgba(255,80,80,0.1);border:1px solid rgba(255,80,80,0.2);border-radius:8px;padding:16px 20px;color:rgba(255,180,180,0.9);font-size:14px;grid-column:1/-1;line-height:1.6}

/* ── TICKER TAPE ── */
#ticker-tape-wrap{
  background:var(--navy2);
  border-bottom:1px solid rgba(201,168,76,0.2);
  position:sticky;
  top:68px;
  z-index:990;
  height:46px;
  overflow:hidden;
}
#ticker-tape-wrap .tradingview-widget-container{
  height:46px;
}
#ticker-tape-wrap .tradingview-widget-container__widget{
  height:46px;
}

/* ── MARKET OVERVIEW ── */
#market-overview-section{
  background:var(--navy);
  padding:64px 24px 72px;
}
.market-overview-inner{
  max-width:1280px;
  margin:0 auto;
}
.market-overview-header{
  text-align:center;
  margin-bottom:40px;
}
.market-overview-header h2{
  font-family:'Playfair Display',serif;
  font-size:clamp(26px,3vw,38px);
  color:var(--white);
  margin-bottom:10px;
}
.market-overview-header p{
  font-size:16px;
  color:rgba(255,255,255,0.55);
  max-width:540px;
  margin:0 auto;
}
.market-overview-widget{
  border-radius:14px;
  overflow:hidden;
  border:1px solid rgba(201,168,76,0.15);
  box-shadow:0 8px 40px rgba(0,0,0,0.35);
}
.market-overview-widget .tradingview-widget-container__widget{
  display:block;
}

@media(max-width:680px){
  #market-overview-section{padding:48px 16px 56px}
  #ticker-tape-wrap{height:46px}
}

/* ── LEGAL PAGES ── */
.legal-content{max-width:800px;margin:0 auto;background:var(--white);border-radius:16px;padding:clamp(28px,5vw,56px);box-shadow:var(--card-shadow)}
.legal-content h1{font-size:32px;color:var(--navy);margin-bottom:8px}
.legal-content .last-updated{font-size:13px;color:var(--text3);margin-bottom:32px}
.legal-content h2{font-size:20px;color:var(--navy);margin:32px 0 12px}
.legal-content p{color:var(--text2);margin-bottom:14px;line-height:1.75;font-size:15px}
.legal-content ul{padding-left:24px;color:var(--text2);font-size:15px;margin-bottom:14px}
.legal-content li{margin-bottom:6px;line-height:1.7}
.cookie-table{width:100%;border-collapse:collapse;font-size:14px;margin:16px 0}
.cookie-table th{background:var(--navy);color:var(--white);padding:10px 14px;text-align:left}
.cookie-table td{padding:10px 14px;border-bottom:1px solid var(--cream2);color:var(--text2)}
.cookie-table tr:nth-child(even) td{background:var(--cream)}

/* ── ABOUT ── */
.about-grid{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1fr 380px;gap:64px;align-items:start}
.about-text h1{font-size:clamp(28px,3vw,42px);color:var(--navy);margin-bottom:20px}
.about-text p{color:var(--text2);line-height:1.8;margin-bottom:18px}
.about-text h2{font-size:22px;color:var(--navy);margin:32px 0 14px}
.team-card{background:var(--white);border-radius:14px;padding:28px;box-shadow:var(--card-shadow);border:1px solid rgba(10,22,40,0.06)}
.team-avatar{width:72px;height:72px;border-radius:50%;background:linear-gradient(135deg,var(--navy) 0%,var(--navy3) 100%);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:24px;color:var(--gold);font-weight:700;margin-bottom:16px}
.team-name{font-family:'Playfair Display',serif;font-size:20px;color:var(--navy);font-weight:600;margin-bottom:4px}
.team-title{font-size:13px;color:var(--gold);font-weight:600;margin-bottom:12px;text-transform:uppercase;letter-spacing:0.5px}
.team-bio{font-size:14px;color:var(--text2);line-height:1.7}
.team-creds{margin-top:16px;display:flex;flex-direction:column;gap:8px}
.cred{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--text2)}
.cred::before{content:'✓';color:var(--gold);font-weight:700}
.pillars{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:24px}
.pillar{background:var(--cream);border-radius:10px;padding:16px;border-left:3px solid var(--gold)}
.pillar-title{font-weight:700;color:var(--navy);font-size:14px;margin-bottom:4px}
.pillar-text{font-size:13px;color:var(--text2)}

/* ── CONTACT ── */
.contact-grid{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1fr 420px;gap:64px;align-items:start}
.contact-form-wrap{background:var(--white);border-radius:16px;padding:36px;box-shadow:var(--card-shadow)}
.contact-form-wrap h2{font-size:26px;color:var(--navy);margin-bottom:6px}
.contact-form-wrap p{font-size:14px;color:var(--text3);margin-bottom:28px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-group{margin-bottom:20px}
.form-group label{display:block;font-size:13px;font-weight:600;color:var(--navy);margin-bottom:6px}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:11px 14px;border:1.5px solid var(--cream2);border-radius:8px;font-family:'DM Sans',sans-serif;font-size:15px;color:var(--text);background:var(--cream);transition:border-color var(--transition);outline:none}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--gold);background:var(--white)}
.form-group textarea{resize:vertical;min-height:120px}
.submit-btn{width:100%;background:var(--navy);color:var(--white);font-family:'DM Sans',sans-serif;font-size:15px;font-weight:600;padding:13px;border-radius:8px;border:none;cursor:pointer;transition:all var(--transition)}
.submit-btn:hover{background:var(--gold);color:var(--navy)}
.contact-info h2{font-size:24px;color:var(--navy);margin-bottom:20px}
.info-card{background:var(--white);border-radius:12px;padding:20px;box-shadow:var(--card-shadow);display:flex;gap:14px;margin-bottom:14px;border:1px solid rgba(10,22,40,0.06)}
.info-icon{width:40px;height:40px;border-radius:8px;background:rgba(201,168,76,0.12);display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
.info-label{font-size:12px;font-weight:600;color:var(--text3);text-transform:uppercase;letter-spacing:0.5px;margin-bottom:4px}
.info-val{font-size:14px;color:var(--text);font-weight:500}
.success-msg{display:none;background:rgba(22,150,80,0.1);border:1px solid rgba(22,150,80,0.25);border-radius:8px;padding:16px;color:#116b36;font-size:14px;margin-top:16px;text-align:center}
.success-msg.show{display:block}

/* ── FOOTER ── */
footer{background:var(--navy);color:var(--white);padding:64px 24px 32px}
.footer-inner{max-width:1280px;margin:0 auto}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px}
.footer-brand p{font-size:14px;color:rgba(255,255,255,0.55);line-height:1.7;margin-top:12px;max-width:300px}
.footer-col h4{font-family:'Playfair Display',serif;font-size:15px;font-weight:600;color:var(--gold2);margin-bottom:16px}
.footer-col a{display:block;font-size:14px;color:rgba(255,255,255,0.55);margin-bottom:9px;transition:color var(--transition)}
.footer-col a:hover{color:var(--gold)}
.footer-divider{border:none;border-top:1px solid rgba(255,255,255,0.08);margin-bottom:24px}
.footer-bottom{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:13px;color:rgba(255,255,255,0.4)}
.footer-legal-links{display:flex;gap:20px}
.footer-legal-links a{color:rgba(255,255,255,0.4);transition:color var(--transition)}
.footer-legal-links a:hover{color:var(--gold)}

/* ── RESPONSIVE ── */
@media(max-width:960px){
  .hero-inner{grid-template-columns:1fr;gap:48px}
  .hero-stats{grid-template-columns:1fr 1fr}
  .about-grid,.contact-grid{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr 1fr;gap:32px}
}
@media(max-width:680px){
  .nav-links{display:none}
  .nav-cta{display:none}
  .ham{display:block;margin-left:auto}
  .hero{padding:60px 20px}
  .hero-stats{grid-template-columns:1fr 1fr}
  .section{padding:60px 20px}
  .form-row{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr}
  .pillars{grid-template-columns:1fr}
}
@media(max-width:400px){
  .hero-stats{grid-template-columns:1fr}
}

/* ── RELATED ARTICLES ── */
.related-articles{background:var(--cream);border:1px solid rgba(201,168,76,.25);border-radius:12px;padding:24px 28px;margin:32px 0 8px}
.related-articles h3{margin-top:0}

/* ── PAGINATION / LOAD MORE ── */
.load-more-wrap{text-align:center;margin-top:48px}
.load-more-btn{background:var(--navy);color:var(--white);font-family:'DM Sans',sans-serif;font-size:14px;font-weight:600;padding:12px 32px;border-radius:8px;border:none;cursor:pointer;transition:all var(--transition)}
.load-more-btn:hover{background:var(--gold);color:var(--navy)}

/* ── COOKIE BANNER ── */
#cookie-banner{position:fixed;bottom:0;left:0;right:0;background:var(--navy2);border-top:2px solid var(--gold);padding:16px 24px;z-index:9999;display:flex;align-items:center;gap:16px;flex-wrap:wrap}
#cookie-banner p{font-size:13px;color:rgba(255,255,255,0.75);flex:1;line-height:1.6}
#cookie-banner p a{color:var(--gold);text-decoration:underline}
.cookie-accept{background:var(--gold);color:var(--navy);font-family:'DM Sans',sans-serif;font-size:13px;font-weight:700;padding:8px 18px;border-radius:6px;border:none;cursor:pointer}
.cookie-decline{background:transparent;color:rgba(255,255,255,0.5);font-family:'DM Sans',sans-serif;font-size:13px;padding:8px 14px;border:1px solid rgba(255,255,255,0.2);border-radius:6px;cursor:pointer}

/* ── BREADCRUMB ── */
.breadcrumb{max-width:1280px;margin:0 auto;padding:16px 0;font-size:13px;color:var(--text3);display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.breadcrumb a{color:var(--text3);transition:color var(--transition)}
.breadcrumb a:hover{color:var(--gold)}
.breadcrumb span{color:var(--text3);opacity:0.5}

/* ── TOC ── */
.toc{background:var(--cream);border-radius:10px;padding:20px 24px;margin-bottom:32px;border-left:3px solid var(--gold)}
.toc-title{font-weight:700;color:var(--navy);font-size:14px;margin-bottom:12px}
.toc ol{padding-left:18px;color:var(--gold);font-size:14px}
.toc ol li{margin-bottom:6px}
.toc ol li a{color:var(--text2);transition:color var(--transition)}
.toc ol li a:hover{color:var(--gold)}

/* ── SKIP LINK (accessibility) ── */
.skip-link{position:absolute;top:-48px;left:0;background:var(--gold);color:var(--navy);font-weight:700;font-size:14px;padding:10px 18px;border-radius:0 0 8px 0;z-index:99999;transition:top 0.2s;text-decoration:none}
.skip-link:focus{top:0}

/* ── TAGS ── */
.tag-list{display:flex;flex-wrap:wrap;gap:8px;margin:24px 0}
.tag{background:rgba(201,168,76,0.1);color:var(--gold);font-size:12px;font-weight:600;padding:4px 12px;border-radius:100px;border:1px solid rgba(201,168,76,0.25)}

/* ════════════════════════════════════════
   CULT-UI INSPIRED VISUAL EFFECTS
   ════════════════════════════════════════ */

/* ── SCROLL PROGRESS BAR ── */
#scroll-bar{position:fixed;top:68px;left:0;height:2px;background:linear-gradient(90deg,var(--gold),var(--gold2),#fff5cc);z-index:9998;width:0%;pointer-events:none;transition:width 0.08s linear;box-shadow:0 0 8px rgba(201,168,76,0.6)}

/* ── HERO CANVAS PARTICLES ── */
.hero-canvas{position:absolute;inset:0;pointer-events:none;opacity:0.55;z-index:0}
.hero-inner{position:relative;z-index:1}

/* ── HERO ANIMATED GLOW ── */
.hero::after{content:'';position:absolute;top:10%;left:5%;width:400px;height:400px;border-radius:50%;background:radial-gradient(ellipse,rgba(201,168,76,0.07) 0%,transparent 70%);animation:heroGlow 7s ease-in-out infinite alternate;pointer-events:none;z-index:0}
@keyframes heroGlow{0%{transform:translate(0,0) scale(1);opacity:0.5}100%{transform:translate(60px,30px) scale(1.2);opacity:1}}

/* ── HERO BADGE PULSE ── */
.hero-badge{animation:badgePulse 3s ease-in-out infinite}
@keyframes badgePulse{0%,100%{box-shadow:0 0 0 0 rgba(201,168,76,0.25)}50%{box-shadow:0 0 0 10px rgba(201,168,76,0)}}

/* ── HERO TITLE EM UNDERLINE REVEAL ── */
.hero h1 em{position:relative;display:inline-block}
.hero h1 em::after{content:'';position:absolute;bottom:-3px;left:0;width:0;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold2));border-radius:2px;animation:underlineReveal 1.2s ease forwards;animation-delay:2.2s}
@keyframes underlineReveal{to{width:100%}}

/* ── TYPEWRITER CURSOR ── */
.tw-cursor{display:inline-block;width:2px;height:0.85em;background:var(--gold);margin-left:3px;vertical-align:middle;border-radius:1px;animation:blink 0.85s step-end infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:0}}

/* ── SHIMMER ON PRIMARY BUTTON ── */
.btn-primary{position:relative;overflow:hidden}
.btn-primary::after{content:'';position:absolute;top:-50%;left:-80%;width:40%;height:200%;background:linear-gradient(90deg,transparent,rgba(255,255,255,0.32),transparent);transform:skewX(-20deg);animation:shimmer 3.5s ease-in-out infinite}
@keyframes shimmer{0%{left:-80%}60%,100%{left:180%}}

/* ── LOAD MORE BUTTON SHIMMER ── */
.load-more-btn{position:relative;overflow:hidden}
.load-more-btn::after{content:'';position:absolute;top:-50%;left:-80%;width:40%;height:200%;background:linear-gradient(90deg,transparent,rgba(201,168,76,0.18),transparent);transform:skewX(-20deg);animation:shimmer 4s ease-in-out infinite 1s}

/* ── NAV CTA GLOW ── */
.nav-cta{box-shadow:0 0 0 rgba(201,168,76,0);transition:all var(--transition),box-shadow 0.3s}
.nav-cta:hover{box-shadow:0 0 22px rgba(201,168,76,0.45)}

/* ── STAT CARDS FLOAT ── */
.stat-card{transition:transform 0.3s ease,box-shadow 0.3s ease}
.stat-card:nth-child(1){animation:floatStat 4.5s ease-in-out infinite 0s}
.stat-card:nth-child(2){animation:floatStat 4.5s ease-in-out infinite 0.6s}
.stat-card:nth-child(3){animation:floatStat 4.5s ease-in-out infinite 1.2s}
.stat-card:nth-child(4){animation:floatStat 4.5s ease-in-out infinite 1.8s}
@keyframes floatStat{0%,100%{transform:translateY(0)}50%{transform:translateY(-7px)}}
.stat-number{display:inline-block;transition:text-shadow 0.3s}
.stat-number.counting{text-shadow:0 0 24px rgba(201,168,76,0.55)}

/* ── GRADIENT ANIMATED HEADINGS ── */
.gradient-heading{background:linear-gradient(120deg,var(--navy) 0%,#1e3a6e 35%,var(--gold) 55%,var(--navy) 100%);background-size:250% auto;-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;animation:gradientText 6s linear infinite}
@keyframes gradientText{0%{background-position:0% center}100%{background-position:250% center}}

/* ── SECTION INTRO REVEAL ── */
.section-intro{opacity:0;transform:translateY(22px);transition:opacity 0.65s ease,transform 0.65s ease}
.section-intro.revealed{opacity:1;transform:translateY(0)}

/* ── CARD STAGGER REVEAL ── */
.card{opacity:0;transform:translateY(28px);transition:opacity 0.5s ease,transform 0.5s ease,box-shadow var(--transition),border-color var(--transition)}
.card.card-visible{opacity:1;transform:translateY(0)}
.card:hover{border-color:rgba(201,168,76,0.3);box-shadow:0 14px 44px rgba(10,22,40,0.16),0 0 0 1px rgba(201,168,76,0.18)}

/* ── CARD BORDER BEAM (conic gradient) ── */
@property --beam-angle{syntax:'<angle>';initial-value:0deg;inherits:false}
.card::before{content:'';position:absolute;inset:-1px;border-radius:15px;background:conic-gradient(from var(--beam-angle),transparent 75%,rgba(201,168,76,0.7) 85%,transparent 95%);opacity:0;transition:opacity 0.35s;z-index:-1}
.card:hover::before{opacity:1;animation:beamSpin 2.5s linear infinite}
@keyframes beamSpin{to{--beam-angle:360deg}}

/* ── AGGREGATOR LIVE PULSE DOT ── */
.agg-refresh{position:relative}
.agg-refresh::before{content:'';position:absolute;top:-3px;right:-3px;width:8px;height:8px;background:#22c55e;border-radius:50%;box-shadow:0 0 0 0 rgba(34,197,94,0.4);animation:liveDot 1.8s ease-in-out infinite}
@keyframes liveDot{0%{box-shadow:0 0 0 0 rgba(34,197,94,0.4)}70%{box-shadow:0 0 0 8px rgba(34,197,94,0)}100%{box-shadow:0 0 0 0 rgba(34,197,94,0)}}

/* ── FEED ITEM STAGGER ── */
.feed-item{animation:feedReveal 0.4s ease both}
@keyframes feedReveal{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}

/* ── SECTION NAV ACTIVE UNDERLINE ── */
.nav-links a{position:relative}
.nav-links a::after{content:'';position:absolute;bottom:-2px;left:50%;width:0;height:2px;background:var(--gold);border-radius:2px;transition:width 0.3s ease,left 0.3s ease}
.nav-links a:hover::after,.nav-links a.active::after{width:80%;left:10%}

/* ── TEAM CARD HOVER ── */
.team-card{transition:transform 0.3s ease,box-shadow 0.3s ease}
.team-card:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgba(10,22,40,0.14)}

/* ── INFO CARD HOVER ── */
.info-card{transition:transform 0.25s ease,box-shadow 0.25s ease}
.info-card:hover{transform:translateX(4px);box-shadow:0 4px 20px rgba(10,22,40,0.1)}

/* ── FOOTER BRAND LOGO GLOW ── */
.footer-logo-img{filter:brightness(1.1) drop-shadow(0 0 12px rgba(201,168,76,0.2));transition:filter 0.3s}
.footer-logo-img:hover{filter:brightness(1.25) drop-shadow(0 0 20px rgba(201,168,76,0.4))}
.nav-logo-img{filter:brightness(1.05);transition:filter 0.3s,transform 0.3s}
.nav-logo-img:hover{filter:brightness(1.2) drop-shadow(0 0 10px rgba(201,168,76,0.3));transform:scale(1.04)}

/* ── PILLAR CARD HOVER ── */
.pillar{transition:transform 0.25s ease,box-shadow 0.25s ease}
.pillar:hover{transform:translateY(-3px);box-shadow:0 6px 20px rgba(10,22,40,0.08)}

/* ── FORM INPUT FOCUS GLOW ── */
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--gold);background:var(--white);box-shadow:0 0 0 3px rgba(201,168,76,0.12)}

/* ── SUBMIT BUTTON PULSE ── */
.submit-btn{position:relative;overflow:hidden}
.submit-btn::after{content:'';position:absolute;top:-50%;left:-80%;width:40%;height:200%;background:linear-gradient(90deg,transparent,rgba(255,255,255,0.12),transparent);transform:skewX(-20deg);opacity:0;transition:opacity 0.3s}
.submit-btn:hover::after{opacity:1;animation:shimmer 1.8s ease-in-out infinite}

/* ── EYEBROW LINE REVEAL ── */
.eyebrow{position:relative;display:inline-block}
.eyebrow::after{content:'';position:absolute;bottom:-4px;left:0;width:0;height:1.5px;background:var(--gold);animation:eyebrowLine 0.8s ease forwards;animation-delay:0.4s}
@keyframes eyebrowLine{to{width:100%}}

/* ── HERO STATS ENTRY ── */
@keyframes statEntry{from{opacity:0;transform:scale(0.88) translateY(16px)}to{opacity:1;transform:scale(1) translateY(0)}}
.stat-card:nth-child(1){animation:statEntry 0.6s ease forwards 0.3s,floatStat 4.5s ease-in-out infinite 1.2s}
.stat-card:nth-child(2){animation:statEntry 0.6s ease forwards 0.5s,floatStat 4.5s ease-in-out infinite 1.8s}
.stat-card:nth-child(3){animation:statEntry 0.6s ease forwards 0.7s,floatStat 4.5s ease-in-out infinite 2.4s}
.stat-card:nth-child(4){animation:statEntry 0.6s ease forwards 0.9s,floatStat 4.5s ease-in-out infinite 3s}
.stat-card{opacity:0}

/* ════════════════════════════════════════
   LIVE MARKETS SECTION
   Bloomberg Terminal × Premium Fintech
   ════════════════════════════════════════ */

/* ── SECTION WRAPPER ── */
#section-markets{
  background:var(--navy);
  padding:0 0 88px;
  position:relative;
  overflow:hidden;
}
#section-markets::before{
  content:'';
  position:absolute;
  inset:0;
  background-image:
    linear-gradient(rgba(201,168,76,0.035) 1px,transparent 1px),
    linear-gradient(90deg,rgba(201,168,76,0.035) 1px,transparent 1px);
  background-size:48px 48px;
  pointer-events:none;
  z-index:0;
}
#section-markets::after{
  content:'';
  position:absolute;
  inset:0;
  background:radial-gradient(ellipse 75% 55% at 50% 38%,transparent 35%,rgba(10,22,40,0.68) 100%);
  pointer-events:none;
  z-index:0;
}

/* ── TICKER TAPE ── */
.markets-ticker{
  position:relative;
  z-index:2;
  background:rgba(9,18,36,0.98);
  border-bottom:1px solid rgba(201,168,76,0.16);
  overflow:hidden;
  height:38px;
  display:flex;
  align-items:center;
}
.markets-ticker::before,
.markets-ticker::after{
  content:'';
  position:absolute;
  top:0;bottom:0;width:72px;
  z-index:3;
  pointer-events:none;
}
.markets-ticker::before{left:0;background:linear-gradient(90deg,rgba(9,18,36,1),transparent)}
.markets-ticker::after{right:0;background:linear-gradient(270deg,rgba(9,18,36,1),transparent)}
.ticker-track{
  display:flex;
  align-items:center;
  white-space:nowrap;
  animation:tickerScroll 42s linear infinite;
  will-change:transform;
}
.ticker-track:hover{animation-play-state:paused}
.ticker-item{
  display:inline-flex;
  align-items:center;
  gap:6px;
  padding:0 26px;
  font-size:12px;
  font-weight:500;
  font-family:'DM Sans',sans-serif;
  border-right:1px solid rgba(255,255,255,0.07);
}
.ticker-sym{color:rgba(255,255,255,0.45);font-size:10.5px;font-weight:700;letter-spacing:0.9px;text-transform:uppercase}
.ticker-price{color:var(--white);font-weight:600}
.ticker-change{font-size:11px;font-weight:700}
.ticker-change.up{color:#34d399}
.ticker-change.dn{color:#f87171}
@keyframes tickerScroll{
  0%{transform:translateX(0)}
  100%{transform:translateX(-50%)}
}

/* ── INNER CONTENT AREA ── */
.markets-inner{
  max-width:1280px;
  margin:0 auto;
  padding:0 24px;
  position:relative;
  z-index:1;
}

/* ── HEADER ── */
.markets-header{
  padding-top:64px;
  margin-bottom:44px;
  text-align:center;
}
.markets-eyebrow{
  display:inline-flex;
  align-items:center;
  gap:9px;
  font-size:11px;
  font-weight:700;
  letter-spacing:1.5px;
  text-transform:uppercase;
  color:var(--gold);
  margin-bottom:16px;
  opacity:0;
  transform:translateY(10px);
  transition:opacity 0.55s ease,transform 0.55s ease;
}
.markets-eyebrow.revealed{opacity:1;transform:translateY(0)}
.markets-eyebrow-dot{
  width:7px;height:7px;
  border-radius:50%;
  background:var(--gold);
  animation:livePulse 2s ease-in-out infinite;
}
@keyframes livePulse{
  0%,100%{box-shadow:0 0 0 0 rgba(201,168,76,0.55)}
  50%{box-shadow:0 0 0 7px rgba(201,168,76,0)}
}
.markets-title{
  font-family:'Playfair Display',serif;
  font-size:clamp(28px,3.5vw,46px);
  font-weight:700;
  line-height:1.15;
  background:linear-gradient(120deg,#ffffff 0%,#e8d9b8 28%,var(--gold2) 52%,#c8b88a 72%,#ffffff 100%);
  background-size:260% auto;
  -webkit-background-clip:text;
  -webkit-text-fill-color:transparent;
  background-clip:text;
  animation:gradientText 7s linear infinite;
  margin-bottom:14px;
  opacity:0;
  transform:translateY(16px);
  transition:opacity 0.7s ease 0.1s,transform 0.7s ease 0.1s;
}
.markets-title.revealed{opacity:1;transform:translateY(0)}
.markets-rule{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  margin:0 auto 18px;
  width:300px;
  max-width:90%;
  opacity:0;
  transition:opacity 0.75s ease 0.22s;
}
.markets-rule.revealed{opacity:1}
.markets-rule-line{
  flex:1;
  height:1px;
  background:linear-gradient(90deg,transparent,var(--gold),transparent);
}
.markets-rule-diamond{
  width:6px;height:6px;
  border:1.5px solid var(--gold);
  transform:rotate(45deg);
  flex-shrink:0;
}
.markets-subtitle{
  font-size:16px;
  color:rgba(255,255,255,0.48);
  max-width:520px;
  margin:0 auto;
  line-height:1.75;
  opacity:0;
  transform:translateY(10px);
  transition:opacity 0.65s ease 0.28s,transform 0.65s ease 0.28s;
}
.markets-subtitle.revealed{opacity:1;transform:translateY(0)}

/* ── GLASS WIDGET CONTAINER ── */
.markets-widget-wrap{
  position:relative;
  border-radius:16px;
  padding:1.5px;
  background:linear-gradient(
    135deg,
    rgba(201,168,76,0.5) 0%,
    rgba(201,168,76,0.1) 38%,
    rgba(22,37,69,0.5) 68%,
    rgba(201,168,76,0.32) 100%
  );
  box-shadow:
    0 0 0 1px rgba(201,168,76,0.1),
    0 28px 88px rgba(0,0,0,0.58),
    0 6px 28px rgba(0,0,0,0.38),
    inset 0 1px 0 rgba(255,255,255,0.05);
  opacity:0;
  transform:translateY(44px) scale(0.983);
  transition:
    opacity 0.85s cubic-bezier(0.22,1,0.36,1) 0.35s,
    transform 0.85s cubic-bezier(0.22,1,0.36,1) 0.35s,
    box-shadow 0.4s ease;
  will-change:transform,opacity;
}
.markets-widget-wrap.revealed{
  opacity:1;
  transform:translateY(0) scale(1);
}
.markets-widget-wrap:hover{
  box-shadow:
    0 0 0 1px rgba(201,168,76,0.3),
    0 36px 100px rgba(0,0,0,0.62),
    0 8px 36px rgba(0,0,0,0.42),
    0 0 56px rgba(201,168,76,0.07),
    inset 0 1px 0 rgba(255,255,255,0.07);
  transform:translateY(-2px) scale(1);
  transition:box-shadow 0.4s ease,transform 0.35s ease;
}

/* Inner gloss reflection */
.markets-widget-wrap::before{
  content:'';
  position:absolute;
  top:2px;left:2px;right:2px;
  height:40%;
  border-radius:13px 13px 0 0;
  background:linear-gradient(180deg,rgba(255,255,255,0.05) 0%,transparent 100%);
  pointer-events:none;
  z-index:5;
}

/* Corner bracket accents */
.markets-widget-wrap::after{
  content:'';
  position:absolute;
  top:2px;left:2px;right:2px;bottom:2px;
  border-radius:14px;
  background:
    linear-gradient(to right,rgba(201,168,76,0.3) 1px,transparent 1px) 0 0 / 18px 100%,
    linear-gradient(to bottom,rgba(201,168,76,0.3) 1px,transparent 1px) 0 0 / 100% 18px,
    linear-gradient(to left,rgba(201,168,76,0.3) 1px,transparent 1px) 100% 100% / 18px 100%,
    linear-gradient(to top,rgba(201,168,76,0.3) 1px,transparent 1px) 100% 100% / 100% 18px;
  background-repeat:no-repeat;
  pointer-events:none;
  z-index:4;
}

/* ── CHROME WINDOW HEADER ── */
.markets-chrome{
  background:rgba(8,16,32,0.97);
  border-bottom:1px solid rgba(201,168,76,0.14);
  border-radius:14px 14px 0 0;
  padding:11px 18px;
  display:flex;
  align-items:center;
  gap:12px;
  position:relative;
  z-index:6;
}
.markets-chrome-dots{display:flex;gap:6px;flex-shrink:0}
.markets-chrome-dots span{width:10px;height:10px;border-radius:50%}
.markets-chrome-dots span:nth-child(1){background:#ff5f57}
.markets-chrome-dots span:nth-child(2){background:#febc2e}
.markets-chrome-dots span:nth-child(3){background:#28c840}
.markets-chrome-label{
  font-size:11px;
  font-weight:700;
  letter-spacing:0.9px;
  text-transform:uppercase;
  color:rgba(255,255,255,0.3);
  flex:1;
  text-align:center;
}
.markets-chrome-live{
  display:flex;
  align-items:center;
  gap:5px;
  font-size:10px;
  font-weight:700;
  letter-spacing:0.8px;
  text-transform:uppercase;
  color:#34d399;
  flex-shrink:0;
}
.markets-chrome-live::before{
  content:'';
  width:6px;height:6px;
  border-radius:50%;
  background:#34d399;
  animation:liveDot 1.8s ease-in-out infinite;
}

/* ── GLASS SURFACE / IFRAME HOST ── */
.markets-glass{
  background:rgba(8,16,32,0.92);
  backdrop-filter:blur(20px) saturate(130%);
  -webkit-backdrop-filter:blur(20px) saturate(130%);
  border-radius:0 0 14px 14px;
  overflow:hidden;
  position:relative;
  z-index:3;
}
.markets-glass iframe{
  display:block;
  width:100%;
  border:none;
  border-radius:0 0 14px 14px;
}

/* ── DATA STRIP ── */
.markets-data-strip{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:rgba(201,168,76,0.09);
  border:1px solid rgba(201,168,76,0.1);
  border-top:none;
  border-radius:0 0 14px 14px;
  overflow:hidden;
  margin-top:-1px;
}
.markets-data-item{
  background:rgba(8,18,34,0.96);
  padding:14px 18px;
  display:flex;
  flex-direction:column;
  gap:3px;
  transition:background 0.22s ease;
  cursor:default;
}
.markets-data-item:hover{background:rgba(16,30,54,0.98)}
.markets-data-label{
  font-size:9.5px;
  font-weight:700;
  letter-spacing:1px;
  text-transform:uppercase;
  color:rgba(255,255,255,0.3);
}
.markets-data-value{
  font-family:'Playfair Display',serif;
  font-size:19px;
  font-weight:600;
  color:var(--white);
  line-height:1.1;
}
.markets-data-change{font-size:11.5px;font-weight:700}
.markets-data-change.up{color:#34d399}
.markets-data-change.dn{color:#f87171}

/* ── FOOTER NOTE ── */
.markets-footer-note{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  margin-top:22px;
  font-size:11px;
  color:rgba(255,255,255,0.22);
  letter-spacing:0.2px;
}
.markets-footer-note::before{
  content:'';
  display:inline-block;
  width:4px;height:4px;
  border-radius:50%;
  background:rgba(201,168,76,0.28);
}
.markets-footer-note a{color:rgba(201,168,76,0.45);transition:color 0.2s ease}
.markets-footer-note a:hover{color:var(--gold)}

/* ── AMBIENT GLOW ORBS ── */
.markets-glow-left,
.markets-glow-right{
  position:absolute;
  width:380px;height:380px;
  border-radius:50%;
  pointer-events:none;
  z-index:0;
  filter:blur(90px);
}
.markets-glow-left{
  left:-100px;top:60px;
  background:radial-gradient(circle,rgba(201,168,76,0.22) 0%,transparent 70%);
  animation:glowDrift 10s ease-in-out infinite alternate;
}
.markets-glow-right{
  right:-100px;bottom:60px;
  background:radial-gradient(circle,rgba(60,100,220,0.18) 0%,transparent 70%);
  animation:glowDrift 12s ease-in-out infinite alternate-reverse;
}
@keyframes glowDrift{
  0%{transform:translate(0,0) scale(1)}
  100%{transform:translate(28px,18px) scale(1.14)}
}

/* ── RESPONSIVE ── */
@media(max-width:960px){
  .markets-data-strip{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:680px){
  #section-markets{padding:0 0 60px}
  .markets-header{padding-top:44px;margin-bottom:28px}
  .markets-chrome{padding:9px 12px}
  .markets-chrome-label{display:none}
  .markets-data-strip{grid-template-columns:repeat(2,1fr)}
  .markets-data-item{padding:11px 12px}
  .markets-data-value{font-size:16px}
  .markets-inner{padding:0 14px}
  .ticker-item{padding:0 18px}
}

/* ── MBA ROI CALCULATOR ── */
.calc-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:32px;
  max-width:1100px;
  margin:0 auto;
  padding:48px 24px 80px;
  align-items:start;
}
.calc-panel{
  background:#1a2744;
  border-radius:16px;
  padding:32px;
  border:1px solid rgba(255,255,255,.08);
}
.calc-panel-title{
  font-size:18px;font-weight:700;
  color:#c9a84c;
  margin-bottom:24px;
  display:flex;align-items:center;gap:8px;
}
.calc-field{margin-bottom:22px}
.calc-label{
  display:block;
  font-size:12px;font-weight:700;
  color:rgba(255,255,255,.5);
  text-transform:uppercase;letter-spacing:.8px;
  margin-bottom:8px;
}
.calc-label-note{font-weight:400;text-transform:none;color:rgba(255,255,255,.3);font-size:11px}
.calc-select,.calc-input{
  width:100%;
  background:#0d1526;
  border:1px solid rgba(255,255,255,.15);
  border-radius:8px;
  color:#fff;
  font-size:14px;
  padding:11px 14px;
  font-family:inherit;
  transition:border-color .2s;
}
.calc-select:focus,.calc-input:focus{outline:none;border-color:#c9a84c}
.calc-select{cursor:pointer}
.calc-input-wrap{position:relative}
.calc-prefix{
  position:absolute;left:13px;top:50%;
  transform:translateY(-50%);
  color:#c9a84c;font-weight:700;font-size:15px;
  pointer-events:none;
}
.calc-input-wrap .calc-input{padding-left:26px}
.calc-range{
  width:100%;margin-top:8px;
  accent-color:#c9a84c;
  cursor:pointer;
}
.calc-range-labels{
  display:flex;justify-content:space-between;
  font-size:11px;color:rgba(255,255,255,.3);
  margin-top:3px;
}
.calc-two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:28px}
.calc-btn{
  width:100%;
  background:#c9a84c;color:#0d1526;
  border:none;border-radius:10px;
  padding:15px;font-size:16px;font-weight:900;
  cursor:pointer;letter-spacing:.5px;
  transition:background .2s,transform .15s;
  font-family:inherit;
}
.calc-btn:hover{background:#d4b366;transform:translateY(-1px)}
.calc-empty{
  background:#1a2744;
  border-radius:16px;
  padding:52px 32px;
  border:1px dashed rgba(201,168,76,.3);
  text-align:center;
}
.calc-breakeven-card{
  background:linear-gradient(135deg,#1a2744,#243355);
  border-radius:16px;padding:28px 32px;
  border:1px solid rgba(201,168,76,.35);
  margin-bottom:16px;text-align:center;
}
.calc-breakeven-value{
  font-family:'Playfair Display',serif;
  font-size:4rem;font-weight:700;
  color:#c9a84c;line-height:1;
  margin:8px 0 4px;
}
.calc-metrics{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px}
.calc-metric-card{
  background:#1a2744;border-radius:12px;
  padding:20px;border:1px solid rgba(255,255,255,.08);
}
.calc-metric-label{
  font-size:11px;font-weight:700;
  text-transform:uppercase;letter-spacing:.8px;
  color:rgba(255,255,255,.4);margin-bottom:8px;
}
.calc-metric-big{
  font-family:'Playfair Display',serif;
  font-size:1.85rem;font-weight:700;
}
.calc-metric-sub{font-size:12px;color:rgba(255,255,255,.4);margin-top:4px}
.calc-bars-card{
  background:#1a2744;border-radius:12px;
  padding:24px;border:1px solid rgba(255,255,255,.08);
}
@media(max-width:860px){
  .calc-grid{grid-template-columns:1fr;padding:32px 16px 60px}
}
@media(max-width:540px){
  .calc-two-col{grid-template-columns:1fr}
  .calc-metrics{grid-template-columns:1fr}
  .calc-breakeven-value{font-size:3rem}
}

/* ── COOKIE BANNER ── */
#cookie-banner{
  position:fixed;
  bottom:0;left:0;right:0;
  background:#1a2744;
  border-top:1px solid rgba(201,168,76,.35);
  padding:18px 24px;
  display:flex;
  align-items:center;
  gap:16px;
  flex-wrap:wrap;
  z-index:9999;
  box-shadow:0 -4px 24px rgba(0,0,0,.45);
  animation:slideUpBanner .35s ease;
}
@keyframes slideUpBanner{
  from{transform:translateY(100%);opacity:0}
  to{transform:translateY(0);opacity:1}
}
#cookie-banner p{
  flex:1;
  min-width:220px;
  font-size:13.5px;
  color:rgba(255,255,255,.75);
  line-height:1.55;
  margin:0;
}
#cookie-banner p a{
  color:#c9a84c;
  text-decoration:underline;
}
.cookie-decline,.cookie-accept{
  padding:9px 20px;
  border-radius:6px;
  border:none;
  font-size:13px;
  font-weight:700;
  cursor:pointer;
  white-space:nowrap;
  transition:background .2s,transform .1s;
}
.cookie-decline{
  background:rgba(255,255,255,.1);
  color:rgba(255,255,255,.8);
}
.cookie-decline:hover{background:rgba(255,255,255,.18)}
.cookie-accept{
  background:#c9a84c;
  color:#0d1526;
}
.cookie-accept:hover{background:#d4b366;transform:translateY(-1px)}
@media(max-width:540px){
  #cookie-banner{flex-direction:column;align-items:stretch;padding:16px}
  .cookie-decline,.cookie-accept{width:100%;text-align:center}
}