/* IBBC Capital V13 — Institutional home & standards */
:root{--navy:#081834;--navy2:#0d2347;--navy3:#12305c;--gold:#e8c766;--gold2:#c9a24f;--goldink:#8a6a28;--paper:#f6f5f0;--card:#fff;--ink:#14203a;--muted:#4f5d73;--rule:#dcd8cb}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.6 'DM Sans',Arial,sans-serif}
a{color:inherit}
img{max-width:100%}
.w{max-width:1320px;margin:0 auto;padding:0 28px}
.eyebrow{color:var(--gold);font-size:11.5px;letter-spacing:.24em;text-transform:uppercase;font-weight:700}
.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 22px;font-weight:700;font-size:14px;text-decoration:none;border:1px solid var(--gold);background:var(--gold);color:var(--navy)}
.btn:hover{background:#f1d584}
.btn.ghost{background:transparent;color:#fff}
.btn.ghost:hover{background:#ffffff14}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* HERO */
.hero{position:relative;overflow:hidden;color:#fff;background:radial-gradient(900px 420px at 70% 0,#1f4a80 0,transparent 60%),linear-gradient(180deg,#06132b 0,#0b2145 55%,#13335f 100%)}
.hero svg.sky{position:absolute;left:0;right:0;bottom:0;width:100%;height:78%;pointer-events:none}
.hero .w{position:relative;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.95fr);gap:44px;align-items:center;padding-top:70px;padding-bottom:70px;min-height:520px}
.hero h1{font:600 clamp(40px,5.2vw,74px)/1.06 'Playfair Display',Georgia,serif;margin:20px 0 22px;letter-spacing:-.01em}
.hero h1 em{display:block;color:var(--gold);font-style:normal}
.hero p.lead{font:400 clamp(16px,1.5vw,19px)/1.75 'Playfair Display',Georgia,serif;color:#e1e8f3;max-width:600px;margin:0 0 30px}
.hero .acts{display:flex;gap:14px;flex-wrap:wrap}
.status{background:#081834e6;border:1px solid #2f4572;backdrop-filter:blur(3px);padding:24px 26px}
.status h2{margin:0 0 14px;color:var(--gold);font-size:11.5px;letter-spacing:.24em;text-transform:uppercase}
.status ul{list-style:none;margin:0;padding:0}
.status li{display:grid;grid-template-columns:1fr auto;gap:14px;align-items:baseline;padding:11px 0;border-top:1px solid #243a64;font-size:14px}
.status li b{display:block;font-weight:600}
.status li small{display:block;color:#aebbd3;font-size:12px;line-height:1.5}
.chip{font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;font-weight:700;padding:4px 9px;border:1px solid;white-space:nowrap}
.chip.live{color:#8fe0b0;border-color:#3f8f66}
.chip.dev{color:var(--gold);border-color:#a8873f}
.chip.plan{color:#9db4da;border-color:#4c6697}
.chip.no{color:#f0a9a0;border-color:#9a5a54}
.status .more{display:inline-block;margin-top:14px;color:var(--gold);font-weight:700;font-size:13px;text-decoration:none}

/* TILES */
.tiles{background:var(--paper);padding:26px 0 8px}
.tiles .w{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
.tile{position:relative;min-height:158px;padding:20px 18px;color:#fff;text-decoration:none;display:flex;flex-direction:column;justify-content:flex-end;overflow:hidden;background:linear-gradient(140deg,#102b55,#081834);border:1px solid #1d3a68}
.tile svg.art{position:absolute;right:6px;top:6px;width:42%;height:auto;opacity:.85}
.tile b{position:relative;font:600 18px/1.2 'Playfair Display',Georgia,serif}
.tile span{position:relative;font-size:12.5px;color:#c7d3e6;margin-top:6px;line-height:1.5;padding-right:30px}
.tile i{position:absolute;right:14px;bottom:14px;width:26px;height:26px;border:1px solid var(--gold);border-radius:50%;color:var(--gold);display:grid;place-items:center;font-style:normal;font-size:13px}
.tile:hover{border-color:var(--gold)}

/* PANELS */
.panels{padding:14px 0 30px}
.panels .w{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
.panel{background:var(--card);border:1px solid var(--rule);padding:20px 18px 18px;display:flex;flex-direction:column;min-width:0}
.panel .hd{display:flex;gap:10px;align-items:baseline;margin-bottom:12px}
.panel .n{color:var(--gold2);font-size:13px;letter-spacing:.06em;font-weight:600}
.panel h3{margin:0;font-size:14px;letter-spacing:.07em;text-transform:uppercase;line-height:1.3}
.panel p.sub{margin:0 0 12px;color:var(--muted);font-size:12.5px;line-height:1.55}
.panel ul.rows{list-style:none;margin:0 0 14px;padding:0;font-size:12.5px}
.panel ul.rows li{display:flex;flex-direction:column;gap:1px;padding:7px 0;border-top:1px solid #ece9df;font-weight:600}
.panel ul.rows li span{color:var(--muted);font-size:11.5px;font-weight:400}
.panel .more{margin-top:auto;color:var(--goldink);font-weight:700;font-size:13px;text-decoration:none}
.panel .more:hover{text-decoration:underline}
.sys{list-style:none;margin:0 0 14px;padding:0;display:grid;gap:8px}
.sys li{border:1px solid #e4e0d3;padding:9px 11px;font-size:12.5px;line-height:1.4}
.sys li b{display:block;font-size:13px}.sys li span{color:var(--muted);font-size:11.5px}
.sys em{font-style:normal;float:right;font-size:9.5px;letter-spacing:.1em;color:var(--goldink);border:1px solid #d9c694;padding:1px 6px}
.tl{list-style:none;margin:0 0 14px;padding:0 0 0 18px;border-left:1px solid #d7cfb8;display:grid;gap:12px}
.tl li{position:relative;font-size:12px;color:var(--muted);line-height:1.45}
.tl li:before{content:"";position:absolute;left:-24px;top:3px;width:10px;height:10px;border-radius:50%;background:#fff;border:2px solid var(--gold2)}
.tl b{display:block;color:var(--ink);font-size:13px}
.req{list-style:none;margin:0 0 14px;padding:0;display:grid;gap:11px;font-size:12.5px}
.req li{display:flex;gap:10px;align-items:flex-start;line-height:1.4}
.req li:before{content:"";flex:none;width:14px;height:14px;margin-top:2px;border:1.5px solid var(--gold2);transform:rotate(45deg) scale(.7)}
.calc label{display:flex;justify-content:space-between;font-size:12px;font-weight:600;margin:10px 0 2px}
.calc input[type=range]{width:100%;accent-color:#b88a2f}
.calc .est{background:#f8f2e2;padding:10px 12px;margin-top:8px}
.calc .est small{display:block;font-size:11px;color:var(--muted)}
.calc .out{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:6px}
.calc .out strong{display:block;font:600 17px/1.2 Georgia,serif}
.calc .note{font-size:11px;color:var(--muted);margin:8px 0 12px}
.pyr{display:grid;gap:6px;margin:0 0 14px;text-align:center}
.pyr div{padding:9px 8px;font-size:11.5px;line-height:1.35}
.pyr b{display:block;font-size:12.5px}
.pyr .a{background:var(--navy);color:#fff;clip-path:polygon(9% 0,91% 0,100% 100%,0 100%)}
.pyr .b{background:#efe5c8;clip-path:polygon(7% 0,93% 0,100% 100%,0 100%)}
.pyr .c{background:var(--navy);color:#fff;clip-path:polygon(5% 0,95% 0,100% 100%,0 100%)}
.pyr .d{background:#efe5c8}

/* SECTORS & PARTNER STRIP */
.strip{background:var(--navy);color:#fff}
.strip .w{display:grid;grid-template-columns:200px minmax(0,1fr) 340px;gap:26px;align-items:stretch;padding-top:26px;padding-bottom:26px}
.strip .eyebrow{display:block;margin-bottom:8px}
.strip .intro p{margin:0;color:#c9d4e6;font-size:14px;line-height:1.6}
.sec{display:grid;grid-template-columns:repeat(6,1fr);gap:10px}
.sec a{position:relative;text-decoration:none;color:#fff;min-height:112px;padding:10px 11px;display:flex;flex-direction:column;justify-content:flex-end;background:linear-gradient(160deg,#16396c,#0a1d3d);border:1px solid #22427a;overflow:hidden}
.sec a svg{position:absolute;left:8px;right:8px;top:4px;width:calc(100% - 16px);height:52px}
.sec b{position:relative;font-size:13px;line-height:1.2}.sec small{position:relative;font-size:11px;color:#b8c6dd}
.sec a:hover{border-color:var(--gold)}
.strip .side{border-left:1px solid #26406d;padding-left:26px}
.strip .side p{margin:0;color:#d3ddec;font-size:13.5px;line-height:1.7}

/* SECTION BLOCKS (standards) */
.sub-hero{background:linear-gradient(115deg,#081834,#16396c);color:#fff;padding:64px 0 56px;border-bottom:4px solid var(--gold2)}
.sub-hero h1{font:600 clamp(34px,4.6vw,58px)/1.1 'Playfair Display',Georgia,serif;margin:16px 0 20px;max-width:900px}
.sub-hero p{font-size:18px;color:#e0e7f2;max-width:820px;margin:0 0 26px}
.block{padding:60px 0}
.block.alt{background:#fff}
.block h2{font:600 clamp(26px,3vw,38px)/1.2 'Playfair Display',Georgia,serif;margin:10px 0 24px}
.block .eyebrow{color:var(--goldink)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:16px}
.card{background:#fff;border:1px solid var(--rule);border-top:3px solid var(--gold2);padding:22px}
.block.alt .card{background:var(--paper)}
.card .num{color:var(--goldink);font-weight:700;font-size:12.5px;letter-spacing:.12em}
.card h3{margin:6px 0 8px;font-size:18px}.card p{margin:0;color:var(--muted);font-size:14.5px}
.notice{background:#efe7d1;border-left:4px solid var(--gold2);padding:16px 20px;margin:0 0 26px;font-size:14.5px}
.tw{overflow-x:auto}
table{width:100%;border-collapse:collapse;background:#fff;min-width:680px;font-size:14.5px}
th,td{border:1px solid var(--rule);padding:13px 14px;text-align:left;vertical-align:top}
th{background:#ebe8dc;font-size:12px;letter-spacing:.08em;text-transform:uppercase}
.two{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.calc.big{background:#fff;border:1px solid var(--rule);padding:24px;max-width:560px}
.calc.big label{font-size:14px}
.calc.big .out strong{font-size:28px}

@media(max-width:1280px){.tiles .w,.panels .w{grid-template-columns:repeat(3,1fr)}.strip .w{grid-template-columns:1fr}.strip .side{border-left:0;padding-left:0;border-top:1px solid #26406d;padding-top:18px}}
@media(max-width:900px){.hero .w{grid-template-columns:1fr;padding-top:48px;padding-bottom:48px;min-height:0}.sec{grid-template-columns:repeat(3,1fr)}.two{grid-template-columns:1fr}}
@media(max-width:640px){.w{padding:0 16px}.tiles .w,.panels .w{grid-template-columns:1fr 1fr}.sec{grid-template-columns:1fr 1fr}.status li{grid-template-columns:1fr}.hero .acts .btn{width:100%;justify-content:center}}
@media(max-width:420px){.tiles .w,.panels .w{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* photographic home (from approved mockup imagery) */
.hero.photo{background:#06132b url(assets/img/hero.jpg) right 62%/cover no-repeat}
.hero.photo:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#06132bf2 0,#06132bd0 30%,#06132b4d 56%,#06132b00 100%),linear-gradient(0deg,#06132b99 0,transparent 35%)}
.hero.photo .w{z-index:1}
.hero.photo .status{background:#081834d9}
.tile{background:linear-gradient(90deg,#081834 0,#081834f0 40%,#08183499 75%,#08183433 100%),var(--img) right center/cover no-repeat,#081834}
.tile:before{content:"";position:absolute;inset:auto 0 0 0;height:70%;background:linear-gradient(0deg,#081834f2,transparent);pointer-events:none}
.sec a{background:linear-gradient(0deg,#0a1d3df5 0,#0a1d3dcc 34%,transparent 62%),var(--img) center/cover no-repeat,#0a1d3d}
.sec a svg{display:none}
.sec a{min-height:128px}

.gallery{padding:34px 0 46px;background:var(--paper)}
.gal-head{display:flex;align-items:baseline;gap:18px;flex-wrap:wrap;margin-bottom:18px}
.gal-head .eyebrow{color:var(--goldink)}
.gal-head h2{font:600 clamp(24px,2.6vw,34px)/1.2 'Playfair Display',Georgia,serif;margin:0}
.gal-grid{display:grid;grid-template-columns:1.55fr 1fr;grid-template-rows:230px 230px;gap:14px}
.gal-grid figure{margin:0;overflow:hidden;border:1px solid #1d3a68;background:#081834}
.gal-grid img{display:block;width:100%;height:100%;object-fit:cover}
.gal-grid .g1{grid-row:1/3}
.gal-grid .g1 img{object-position:50% 40%}
.gal-note{margin:10px 0 0;font-size:12px;color:var(--muted)}
@media(max-width:800px){.gal-grid{grid-template-columns:1fr;grid-template-rows:auto}.gal-grid .g1{grid-row:auto}.gal-grid figure{aspect-ratio:16/9}}

/* ---- motion ---- */
@keyframes fadeUp{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}
.hero.photo .w>div>*{animation:fadeUp .7s cubic-bezier(.2,.7,.2,1) both}
.hero.photo .w>div>*:nth-child(1){animation-delay:.05s}.hero.photo .w>div>*:nth-child(2){animation-delay:.14s}
.hero.photo .w>div>*:nth-child(3){animation-delay:.24s}.hero.photo .w>div>*:nth-child(4){animation-delay:.34s}
.hero.photo .status{animation:fadeUp .7s cubic-bezier(.2,.7,.2,1) .3s both}
html.js .rv{opacity:0;transform:translateY(18px);transition:opacity .5s ease,transform .5s ease}
html.js .rv.in{opacity:1;transform:none}
.tile,.panel,.card,.sec a,.gal-grid figure{transition:transform .25s ease,border-color .25s ease,box-shadow .25s ease}
.tile:hover,.sec a:hover{transform:translateY(-3px);border-color:var(--gold);box-shadow:0 10px 24px #0a1a3a38}
.panel:hover,.card:hover{transform:translateY(-3px);border-color:var(--gold2);box-shadow:0 10px 24px #0a1a3a1f}
.gal-grid figure:hover{border-color:var(--gold)}
.gal-grid img{transition:transform .6s ease}.gal-grid figure:hover img{transform:scale(1.03)}
.btn{transition:background-color .2s ease,transform .2s ease}.btn:hover{transform:translateY(-1px)}
.tile i{transition:background-color .2s ease,color .2s ease}.tile:hover i{background:var(--gold);color:var(--navy)}
.panel.rv.in:hover,.card.rv.in:hover,.tile.rv.in:hover,.sec a.rv.in:hover{transform:translateY(-3px)}
@media(prefers-reduced-motion:reduce){
 .hero.photo .w>div>*,.hero.photo .status{animation:none}
 html.js .rv{opacity:1;transform:none;transition:none}
 .tile,.panel,.card,.sec a,.gal-grid figure,.btn,.gal-grid img,.tile i{transition:none}
 .tile:hover,.sec a:hover,.panel:hover,.card:hover,.btn:hover,.gal-grid figure:hover img{transform:none}
}

@media print{html.js .rv{opacity:1!important;transform:none!important}}

.sech{max-width:1320px;margin:0 auto;padding:0 28px 18px}.sech h2{margin:0;font:600 clamp(20px,2.4vw,28px)/1.25 'Playfair Display',Georgia,serif;color:#081834;max-width:760px;text-wrap:balance}.tiles{padding-top:44px}.panels{padding-top:40px}@media(max-width:480px){.sech{padding:0 16px 14px}}
.sech .eyebrow{color:#8a6d2b}

/* ---- business-model sections (V13.2) ---- */
.band{background:var(--paper);padding:44px 0 10px}.band.alt{background:#fff}
.band .bw,.block .jr{max-width:1320px;margin:0 auto;padding:0 28px 30px}
.bnote{margin:14px 0 0;font-size:13.5px;color:#4a5a73}
.jr{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.band .jr{padding:0}
.jcard{background:#fff;border:1px solid #d9d5c6;border-top:3px solid #c9a24f;padding:26px 28px;display:flex;flex-direction:column;justify-content:space-between;gap:20px}
.band.alt .jcard,.block.alt .jcard{background:var(--paper)}
.jcard h3{font:600 24px/1.25 'Playfair Display',Georgia,serif;margin:6px 0 10px;color:#081834}
.jcard p{margin:0;color:#3d4d66;font-size:15px}
.jcard .eyebrow{color:#8a6d2b}
.jcard .btn{align-self:flex-start;background:#081834;color:#fff;border-color:#081834}
table.lines td,table.lines th{vertical-align:top}
table.lines .cond{display:block;margin-top:6px;color:#5b6a82;font-size:12.5px}
.chip.dk{color:#0d4a2d;border-color:#3f8f66;background:#e5f4ec}
.chip.plan.dk{color:#2c4372;border-color:#8da4d2;background:#e9eef8}
.steps5{grid-template-columns:repeat(5,1fr)}
@media(max-width:1100px){.steps5{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.steps5{grid-template-columns:1fr}.jr{grid-template-columns:1fr}.band .bw,.block .jr{padding:0 16px 24px}}
.empty{background:#fff;border:1px dashed #b9a56a;padding:26px 28px;max-width:820px}
.empty b{font-size:19px;color:#081834}.empty p{margin:10px 0 0;color:#3d4d66}
.conds{margin:14px 0 0;padding-left:22px;color:#233553}.conds li{margin:6px 0}
.lead{font-size:17px;color:#3d4d66;max-width:820px;margin:0 0 20px}
/* forms */
.frm{max-width:960px;background:#fff;border:1px solid #d9d5c6;padding:26px 28px}
.frm .fgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px 22px}
.frm .fld{display:flex;flex-direction:column;gap:6px;min-width:0}
.frm .fld.wide{grid-column:1/-1;margin-top:16px}
.frm label{display:block;font-size:13px;font-weight:600;color:#1b2c4d;margin:0}
.frm input[type=text],.frm input[type=email],.frm select,.frm textarea{width:100%;font:inherit;font-size:15px;padding:11px 12px;border:1px solid #b7bfce;background:#fff;color:#081834;border-radius:0}
.frm input:focus-visible,.frm select:focus-visible,.frm textarea:focus-visible{outline:3px solid #c9a24f;outline-offset:1px}
.frm .gates{border:1px solid #e1dccb;margin:22px 0 0;padding:14px 18px 18px}
.frm .gates legend{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:#8a6d2b;font-weight:700;padding:0 8px}
.frm .fcons{display:flex;gap:10px;align-items:flex-start;margin:20px 0 16px;font-weight:400;font-size:14px}
.frm .fcons input{margin-top:4px}
.frm .hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.frm .btn{background:#081834;color:#fff;border-color:#081834;cursor:pointer}
.frm-status{margin:14px 0 0;font-size:14.5px;min-height:1.4em}.frm-status.ok{color:#0d5a36}.frm-status.err{color:#c40000}
@media(max-width:640px){.frm{padding:20px 16px}.frm .fgrid{grid-template-columns:1fr}}
.hero h1{text-wrap:balance}
@media(max-width:700px){.hero.photo:before{background:linear-gradient(180deg,#06132bde 0,#06132bb8 55%,#06132b99 100%)}}

/* Journeys: recessed photography, floating type */
.band.journeys{position:relative;isolation:isolate;background:#081834;padding:54px 0 58px;overflow:hidden}
.band.journeys::before{content:"";position:absolute;inset:0;z-index:-2;background:var(--bg) center 35%/cover no-repeat;opacity:.22;filter:saturate(.7)}
.band.journeys::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(8,24,52,.92),rgba(8,24,52,.78) 50%,rgba(8,24,52,.94))}
.band.journeys .sech h2,.band.journeys .sech .eyebrow{color:#fff}
.band.journeys .sech .eyebrow{color:#e8c766}
.band.journeys .sech p{color:#c9d3e6}
.band.journeys .jr{gap:22px}
.jcard{position:relative;isolation:isolate;overflow:hidden;min-height:340px;padding:34px 34px 30px;border:1px solid rgba(232,199,102,.35);border-top:3px solid #e8c766;background:#0d2347;color:#fff;box-shadow:inset 0 2px 18px rgba(0,0,0,.55),inset 0 0 0 1px rgba(0,0,0,.35),0 1px 0 rgba(255,255,255,.06)}
.jcard::before{content:"";position:absolute;inset:0;z-index:-2;background:var(--img) center/cover no-repeat;transform:scale(1.04);transition:transform .8s ease}
.jcard::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(8,24,52,.94) 0%,rgba(8,24,52,.80) 48%,rgba(8,24,52,.50) 100%),linear-gradient(0deg,rgba(8,24,52,.65),transparent 55%);box-shadow:inset 0 0 60px rgba(0,0,0,.45)}
.jcard:hover::before{transform:scale(1.08)}
.band.alt .jcard,.block.alt .jcard{background:#0d2347}
.jcard .eyebrow{color:#e8c766;letter-spacing:.14em}
.jcard h3{color:#fff;font-size:28px;text-shadow:0 2px 14px rgba(0,0,0,.55)}
.jcard p{color:#e3e9f5;font-size:15.5px;max-width:46ch;text-shadow:0 1px 10px rgba(0,0,0,.5)}
.jcard .btn{background:#e8c766;color:#081834;border-color:#e8c766;font-weight:700;box-shadow:0 6px 18px rgba(0,0,0,.35)}
.jcard .btn:hover{background:#fff;border-color:#fff}
.jcard:nth-child(2) .btn{background:transparent;color:#fff;border-color:#e8c766}
.jcard:nth-child(2) .btn:hover{background:#e8c766;color:#081834}
@media(max-width:640px){.jcard{min-height:300px;padding:26px 22px}.jcard h3{font-size:24px}.band.journeys{padding:40px 0 44px}}
@media(prefers-reduced-motion:reduce){.jcard::before{transition:none}.jcard:hover::before{transform:scale(1.04)}}