/* ============================================
   DESIGN TOKENS
   ============================================ */
:root {
  --black: #0c0d0e;
  --charcoal: #141618;
  --dark-card: #1a1c1e;
  --gold: #b2935c;
  --light-gold: #c9ad72;
  --dark-gold: #8d754a;
  --off-white: #f5f4f0;
  --marble-bg: #f2f1ee;
  --soft-grey: #dbd9d3;
  --mid-grey: #8e8a83;
  --text-dark: #16150f;
  --text-light: #f4f3ef;
  --text-muted: #c8c5be;
  --container: 1200px;
  --shadow: 0 16px 48px rgba(12,13,14,0.14);
  --shadow-lg: 0 28px 80px rgba(12,13,14,0.22);
  --radius: 6px;
  --border-gold: rgba(178,147,92,0.28);
  --border-dark: rgba(255,255,255,0.06);
}

/* ============================================
   RESET & BASE
   ============================================ */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--off-white);
  color: var(--text-dark);
  font-family: Montserrat, Arial, sans-serif;
  font-size: 15px;
  line-height: 1.7;
}
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, textarea { font: inherit; }
h1,h2,h3,p { margin-top: 0; }
h1,h2 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-weight: 600;
  line-height: 1.06;
}
h1 { font-size: 58px; color: var(--text-light); margin-bottom: 22px; max-width: 640px; }
h2 { font-size: 44px; margin-bottom: 16px; color: inherit; }
h3 { font-size: 15px; font-weight: 700; margin-bottom: 8px; line-height: 1.35; }

.gold-text { color: var(--gold); }
.eyebrow {
  display: block;
  color: var(--gold);
  font-size: 18px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.gold-rule {
  display: block;
  width: 56px;
  height: 2px;
  background: var(--gold);
  margin: 16px auto 0;
}
.section-heading { margin-bottom: 44px; }
.section-heading.centered { text-align: center; }
.container {
  width: min(var(--container), calc(100% - 48px));
  margin: 0 auto;
}
.section { padding: 88px 0; }
.marble {
  background:
    linear-gradient(135deg, rgba(255,255,255,0.8), rgba(242,241,238,0.9)),
    radial-gradient(circle at 20% 12%, rgba(18,18,18,0.04), transparent 30%),
    var(--marble-bg);
}
.dark-section {
  background:
    linear-gradient(135deg, #0e0f10 0%, #151718 100%),
    radial-gradient(circle at 80% 20%, rgba(178,147,92,0.08), transparent 40%);
  color: var(--text-light);
}

/* ============================================
   HEADER
   ============================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(12,13,14,0.97);
  border-bottom: 1px solid var(--border-gold);
  backdrop-filter: blur(20px);
  transition: all 240ms ease;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: min(1360px, calc(100% - 48px));
  min-height: 80px;
  margin: 0 auto;
  gap: 24px;
  transition: min-height 240ms ease;
}
.site-header.is-at-top .header-inner { min-height: 110px; }

.brand {
  display: flex;
  align-items: center;
  height: 52px;
  width: 170px;
  flex-shrink: 0;
  transition: all 240ms ease;
}
.site-header.is-at-top .brand { height: 76px; width: 250px; }
.brand img { width: 100%; height: 100%; object-fit: contain; object-position: left center; }

.nav {
  display: flex;
  align-items: center;
  gap: 22px;
  color: rgba(244,243,239,0.78);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.nav a {
  position: relative;
  padding: 4px 0;
  transition: color 180ms ease;
}
.nav a::after {
  position: absolute;
  bottom: -2px;
  left: 0; right: 0;
  height: 1.5px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 200ms ease;
  content: "";
}
.nav a:hover,
.nav a[aria-current="page"] { color: var(--light-gold); }
.nav a:hover::after,
.nav a[aria-current="page"]::after { transform: scaleX(1); }

.menu-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 42px;
  height: 42px;
  padding: 10px;
  border: 1px solid rgba(216,214,208,0.22);
  border-radius: 4px;
  background: transparent;
  cursor: pointer;
}
.menu-toggle span {
  display: block;
  width: 100%;
  height: 1.5px;
  background: var(--text-light);
  transition: all 200ms ease;
}

/* ============================================
   HERO
   ============================================ */
.hero {
  position: relative;
  overflow: hidden;
  background: var(--black);
  color: var(--text-light);
}
.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 0.92fr 1.08fr;
  align-items: stretch;
  min-height: 680px;
  width: min(1360px, calc(100% - 48px));
  margin: 0 auto;
}
.hero-copy {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 80px 0 100px;
  padding-right: 40px;
}
.hero-questions {
  margin-bottom: 22px;
  color: rgba(244,243,239,0.85);
  font-size: 16px;
  font-weight: 600;
}
.hero-questions p { margin: 0 0 4px; }
.lead {
  color: rgba(244,243,239,0.75);
  font-size: 14px;
  max-width: 540px;
  margin-bottom: 0;
}
.lead strong { color: var(--text-light); }
.hero-actions { margin-top: 32px; }

.hero-photo {
  position: relative;
  min-height: 680px;
  margin-right: -84px;
  clip-path: polygon(9% 0, 100% 0, 100% 100%, 0 100%);
}
.hero-photo::after {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(12,13,14,0.5) 0%, rgba(12,13,14,0.1) 40%, rgba(12,13,14,0.35) 100%);
  content: "";
}
.hero-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 60% center;
}

/* ============================================
   BUTTONS
   ============================================ */
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 50px;
  padding: 0 28px;
  border: 1px solid transparent;
  border-radius: var(--radius);
  cursor: pointer;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  transition: all 180ms ease;
}
.button span { transition: transform 180ms ease; }
.button:hover span { transform: translateX(4px); }

.button-primary {
  background: var(--gold);
  color: #fff;
}
.button-primary:hover { background: #a88445; }

.button-gold {
  background: var(--gold);
  color: #fff;
  width: 100%;
  min-height: 52px;
  font-size: 12px;
}
.button-gold:hover { background: #a88445; }

/* ============================================
   BENEFITS
   ============================================ */
.benefit-grid {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  gap: 0;
  border: 1px solid rgba(178,147,92,0.18);
  border-radius: var(--radius);
  overflow: hidden;
}
.benefit-grid article {
  padding: 30px 18px;
  text-align: center;
  border-right: 1px solid rgba(178,147,92,0.14);
  background: #fff;
  transition: background 200ms ease;
}
.benefit-grid article:last-child { border-right: 0; }
.benefit-grid article:hover { background: #fdfcf8; }
.benefit-icon {
  display: inline-flex;
  width: 44px;
  height: 44px;
  margin-bottom: 16px;
  color: var(--gold);
}
.benefit-icon svg {
  width: 100%;
  height: 100%;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.6;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.benefit-grid p {
  font-size: 12px;
  line-height: 1.55;
  color: #5a5650;
  margin: 0;
}
.benefit-grid p strong { color: var(--text-dark); font-weight: 700; }

/* ============================================
   PROCESS
   ============================================ */
.process-steps {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr auto 1fr auto 1fr;
  align-items: start;
  gap: 0;
}
.process-step {
  padding: 36px 24px 36px;
  border-left: 1px solid rgba(255,255,255,0.07);
  border-radius: var(--radius);
  transition: background 200ms ease;
  height: 330px;
}
.process-step:hover { background: rgba(255,255,255,0.06); }
.step-num-icon {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 18px;
}
.step-num {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 44px;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
}
.step-icon {
  display: flex;
  width: 38px;
  height: 38px;
  color: var(--gold);
  opacity: 0.8;
}
.step-icon svg {
  width: 100%;
  height: 100%;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.6;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.process-step h3 {
  color: var(--light-gold);
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 10px;
}
.process-step p {
  font-size: 13px;
  color: rgba(200,197,190,0.85);
  margin: 0;
  line-height: 1.6;
}
.step-arrow {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0 8px;
  color: var(--gold);
  font-size: 32px;
  opacity: 0.7;
  padding-top: 36px;
}

/* ============================================
   SERVICES
   ============================================ */
.services { background: var(--off-white); }
.service-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 14px;
}
.service-grid article {
  padding: 28px 22px;
  border: 1px solid rgba(178,147,92,0.18);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: var(--shadow);
  transition: transform 200ms ease, box-shadow 200ms ease;
}
.service-grid article:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}
.svc-num {
  display: block;
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 36px;
  color: var(--gold);
  margin-bottom: 28px;
  line-height: 1;
}
.service-grid h3 { font-weight: 700; color: var(--text-dark); margin-bottom: 10px; }
.service-grid p {
  font-size: 13px;
  color: #5a5650;
  margin-bottom: 18px;
  min-height: 80px;
  line-height: 1.6;
}
.svc-link {
  color: var(--dark-gold);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  transition: color 180ms ease;
}
.svc-link:hover { color: var(--gold); }

/* ============================================
   SUPPORT
   ============================================ */
.support-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.support-grid article {
  padding: 30px 26px;
  border: 1px solid rgba(178,147,92,0.15);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: var(--shadow);
}
.support-grid article::before {
  display: block;
  width: 36px;
  height: 2px;
  background: var(--gold);
  margin-bottom: 20px;
  content: "";
}
.support-grid h3 { color: var(--text-dark); font-weight: 700; margin-bottom: 8px; }
.support-grid p { font-size: 13px; color: #5a5650; margin: 0; }

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonials { background: var(--off-white); }
.testimonial-carousel-wrapper {
  display: flex;
  align-items: center;
  gap: 16px;
}
.testimonial-carousel {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  flex: 1;
  overflow: hidden;
  transition: opacity 300ms ease;
}
.testimonial-card {
  padding: 28px;
  border: 1px solid rgba(178,147,92,0.15);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: var(--shadow);
}
.avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: linear-gradient(135deg, #e8e4da, #d4cfc4);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 12px;
  color: var(--mid-grey);
  overflow: hidden;
}
.avatar svg {
  width: 80%;
  height: 80%;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.4;
  stroke-linecap: round;
  margin-top: 6px;
}
.stars { color: var(--gold); font-size: 14px; margin-bottom: 14px; letter-spacing: 1px; }
.testimonial-card p {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 18px;
  line-height: 1.4;
  color: var(--text-dark);
  margin-bottom: 16px;
  min-height: 80px;
}
.testimonial-card strong { display: block; font-size: 13px; color: var(--mid-grey); font-weight: 600; }
.carousel-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border: 1px solid rgba(178,147,92,0.28);
  border-radius: 50%;
  background: #fff;
  color: var(--gold);
  font-size: 26px;
  cursor: pointer;
  flex-shrink: 0;
  transition: all 180ms ease;
  box-shadow: var(--shadow);
}
.carousel-btn:hover { background: var(--gold); color: #fff; border-color: var(--gold); }
.carousel-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 24px;
}
.carousel-dots button {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  border: none;
  background: var(--soft-grey);
  cursor: pointer;
  padding: 0;
  transition: background 200ms ease;
}
.carousel-dots button.active { background: var(--gold); }

/* ============================================
   PARTNERS
   ============================================ */
.partners { background: var(--black); color: var(--text-light); }
.partners .section-heading.centered .eyebrow { color: var(--gold); }
.bank-strip {
  display: grid;
  grid-template-columns: repeat(8, 1fr);
  gap: 0;
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: var(--radius);
  overflow: hidden;
}
.bank-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 96px;
  border-right: 1px solid rgba(255,255,255,0.06);
  padding: 18px;
  transition: background 200ms ease;
}
.bank-logo:last-child { border-right: 0; }
.bank-logo:hover { background: var(--off-white); }
.bank-logo img {
  width: 100%;
  max-width: 118px;
  max-height: 42px;
  object-fit: contain;
  opacity: 0.78;
  filter: grayscale(1) invert(1);

  transition: opacity 200ms ease, filter 200ms ease, transform 200ms ease;
}
.bank-logo:hover img {
  opacity: 1;
  filter: grayscale(0) invert(0);
  transform: translateY(-2px);
}

/* ============================================
   ENGLISH
   ============================================ */
.english-section {
  background:
    linear-gradient(90deg, rgba(12,13,14,0.9), rgba(12,13,14,0.94)),
    url("assets/optimized/team-standing.jpg") center 38% / cover;
  color: var(--text-light);
}
.english-grid {
  display: grid;
  grid-template-columns: 1fr 0.7fr;
  align-items: end;
  gap: 80px;
}
.english-grid h2 { color: var(--text-light); }
.english-grid p { color: rgba(244,243,239,0.72); font-size: 14px; }
.english-grid .button-primary { margin-top: 18px; }

/* ============================================
   ABOUT
   ============================================ */
.about {
  background: var(--charcoal);
  color: var(--text-light);
}
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 64px;
}
.about-copy h2 { color: var(--text-light); }
.about-copy > p { color: rgba(244,243,239,0.72); font-size: 14px; margin-bottom: 0; }
.value-list { display: grid; gap: 14px; margin-top: 30px; }
.value-list div {
  padding: 16px 0 16px 20px;
  border-left: 2px solid var(--gold);
}
.value-list strong {
  display: block;
  color: var(--text-light);
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.value-list span {
  display: block;
  color: rgba(244,243,239,0.62);
  font-size: 13px;
  margin-top: 4px;
}
.photo-frame {
  position: relative;
  overflow: hidden;
  min-height: 520px;
  border: 1px solid var(--border-gold);
  border-radius: var(--radius);
}
.photo-frame::after {
  position: absolute;
  inset: 14px;
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 2px;
  content: "";
  pointer-events: none;
}
.photo-frame img {
  width: 100%; height: 100%;
  min-height: 520px;
  object-fit: cover;
  object-position: center;
}

/* ============================================
   BLOG
   ============================================ */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.blog-grid article {
  border: 1px solid rgba(178,147,92,0.15);
  border-radius: var(--radius);
  background: #fff;
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: transform 200ms ease;
}
.blog-grid article:hover { transform: translateY(-3px); }
.blog-grid img {
  width: 100%;
  height: 220px;
  object-fit: cover;
  object-position: center 24%;
}
.blog-body { padding: 22px; }
.blog-tag {
  display: inline-block;
  color: var(--dark-gold);
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.blog-body h3 { color: var(--text-dark); font-size: 16px; margin-bottom: 8px; }
.blog-body p { font-size: 13px; color: #5a5650; margin-bottom: 14px; }

/* ============================================
   CONTACT
   ============================================ */
.contact-section {
  display: grid;
  grid-template-columns: 1.1fr 0.65fr;
  background: var(--marble-bg);
  height: 800px;
}
.contact-image {
  position: relative;
  min-height: 680px;
}
.contact-image img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center 28%;
}
.contact-image-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(12,13,14,0.12) 0%,
    rgba(12,13,14,0.55) 40%,
    rgba(12,13,14,0.82) 100%
  );
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 52px;
  color: var(--text-light);
}
.contact-image-overlay h2 {
  font-size: 38px;
  color: var(--text-light);
  margin-bottom: 10px;
  max-width: 520px;
}
.contact-image-overlay > p {
  color: rgba(244,243,239,0.78);
  font-size: 15px;
  margin-bottom: 32px;
}
.contact-icons-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.ci {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.ci-icon {
  display: flex;
  width: 40px;
  height: 40px;
  color: var(--gold);
}
.ci-icon svg {
  width: 100%; height: 100%;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.6;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.ci p {
  font-size: 12px;
  color: rgba(244,243,239,0.72);
  margin: 0;
  line-height: 1.5;
}
.ci p strong { color: var(--text-light); font-weight: 600; }

.contact-form-wrap {
  display: flex;
  align-items: center;
  padding: 52px 44px;
  background: var(--charcoal);
}
.contact-form {
  width: 100%;
  display: grid;
  gap: 16px;
}
.contact-form h3 {
  color: var(--gold);
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 4px;
}
.contact-form label {
  display: grid;
  gap: 6px;
  color: var(--text-muted);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.contact-form input,
.contact-form textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 4px;
  background: rgba(255,255,255,0.05);
  color: var(--text-light);
  font-size: 14px;
  resize: vertical;
  transition: border-color 180ms ease, background 180ms ease;
}
.contact-form input::placeholder,
.contact-form textarea::placeholder { color: rgba(200,197,190,0.4); }
.contact-form input:focus,
.contact-form textarea:focus {
  outline: none;
  border-color: var(--gold);
  background: rgba(178,147,92,0.06);
}
.checkbox {
  grid-template-columns: 18px 1fr;
  align-items: start;
  gap: 10px !important;
}
.checkbox input { width: 16px; height: 16px; margin-top: 2px; accent-color: var(--gold); }
.checkbox span { color: rgba(200,197,190,0.8); font-size: 11px; text-transform: none; letter-spacing: 0; }
.checkbox a { color: var(--gold); text-decoration: underline; }

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--black);
  color: var(--text-light);
}
.footer-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: start;
  gap: 64px;
  width: min(1200px, calc(100% - 48px));
  margin: 0 auto;
  padding: 52px 0 36px;
}
.footer-logo { display: block; }
.footer-logo img { width: 180px; height: 52px; object-fit: contain; object-position: left; margin-bottom: 20px; filter: brightness(1.4); }
.footer-contact-lines {
  display: grid;
  gap: 10px;
}
.footer-contact-lines a,
.footer-contact-lines span {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text-muted);
  font-size: 13px;
  transition: color 180ms ease;
}
.footer-contact-lines a:hover { color: var(--light-gold); }
.footer-contact-lines svg {
  width: 16px; height: 16px;
  fill: none;
  stroke: var(--gold);
  stroke-width: 1.6;
  stroke-linecap: round;
  stroke-linejoin: round;
  flex-shrink: 0;
}
.footer-col h4 {
  color: var(--gold);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.socials { display: flex; gap: 10px; }
.social-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border: 1px solid var(--border-gold);
  border-radius: 50%;
  color: var(--gold);
  transition: all 180ms ease;
}
.social-btn svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.social-btn:hover { background: var(--gold); color: var(--black); border-color: var(--gold); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: min(1200px, calc(100% - 48px));
  margin: 0 auto;
  padding: 16px 0 22px;
  border-top: 1px solid rgba(255,255,255,0.05);
  font-size: 12px;
  color: rgba(200,197,190,0.55);
}
.footer-bottom div { display: flex; gap: 20px; }
.footer-bottom a { color: rgba(200,197,190,0.55); transition: color 180ms ease; }
.footer-bottom a:hover { color: var(--light-gold); }

/* ============================================
   RESPONSIVE — 1180px
   ============================================ */
@media (max-width: 1180px) {
  h1 { font-size: 46px; }
  h2 { font-size: 36px; }
  .hero-inner { grid-template-columns: 1fr; min-height: auto; }
  .hero-copy { padding: 72px 0 40px; padding-right: 0; }
  .hero-photo { min-height: 480px; margin-right: 0; clip-path: none; }
  .benefit-grid { grid-template-columns: repeat(4, 1fr); }
  .benefit-grid article { border-bottom: 1px solid rgba(178,147,92,0.12); }
  .benefit-grid article:nth-child(4n) { border-right: 0; }
  .process-steps {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .step-arrow { display: none; }
  .process-step { border-bottom: 1px solid rgba(255,255,255,0.06); border-radius: 0; }
  .service-grid { grid-template-columns: repeat(3, 1fr); }
  .support-grid { grid-template-columns: repeat(2, 1fr); }
  .bank-strip { grid-template-columns: repeat(4, 1fr); }
  .contact-section { grid-template-columns: 1fr; }
  .contact-image { min-height: 520px; }
  .contact-form-wrap { padding: 44px; }
  .testimonial-carousel { grid-template-columns: repeat(2, 1fr); }
  .english-grid { grid-template-columns: 1fr; gap: 28px; }
  .about-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
}

/* ============================================
   RESPONSIVE — 860px
   ============================================ */
@media (max-width: 860px) {
  h1 { font-size: 38px; }
  h2 { font-size: 30px; }
  .section { padding: 64px 0; }

  .menu-toggle { display: flex; }
  .nav {
    position: absolute;
    top: 80px;
    left: 0; right: 0;
    display: none;
    flex-direction: column;
    align-items: flex-start;
    padding: 20px 24px;
    background: rgba(12,13,14,0.99);
    gap: 0;
    min-height: calc(100vh - 80px);
  }
  .nav.is-open { display: flex; }
  .nav a {
    width: 100%;
    padding: 16px 0;
    font-size: 13px;
    border-bottom: 1px solid rgba(255,255,255,0.05);
  }
  .site-header.is-at-top .nav a { padding: 16px 0; }
  .site-header.is-at-top .nav a::after { bottom: 8px; }

  .hero-photo { min-height: 360px; }
  .benefit-grid { grid-template-columns: repeat(2, 1fr); }
  .benefit-grid article:nth-child(2n) { border-right: 0; }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: 1fr; }
  .testimonial-carousel { grid-template-columns: 1fr; }
  .contact-icons-row { grid-template-columns: 1fr; }
  .contact-image-overlay { padding: 28px; }
  .contact-image-overlay h2 { font-size: 28px; }
  .contact-form-wrap { padding: 28px 20px; }
  .footer-bottom { flex-direction: column; gap: 8px; align-items: flex-start; }
}

/* ============================================
   RESPONSIVE — 520px
   ============================================ */
@media (max-width: 520px) {
  h1 { font-size: 32px; }
  h2 { font-size: 26px; }
  .benefit-grid { grid-template-columns: 1fr; }
  .benefit-grid article { border-right: 0; }
  .service-grid, .support-grid { grid-template-columns: 1fr; }
  .bank-strip { grid-template-columns: repeat(2, 1fr); }
  .button { width: 100%; }
}