/* ============ BIA — Business Investment Advisory ============ */
:root{
  --navy:#0a2540;
  --navy-2:#0d2f52;
  --navy-3:#123c68;
  --blue:#1b6fd1;
  --blue-2:#3b8ee8;
  --sky:#7fb3e8;
  --ice:#eef4fb;
  --paper:#f7fafd;
  --ink:#16283e;
  --slate:#4c5f78;
  --line:#dbe6f2;
  --gold:#c9a24b;
  --radius:18px;
  --shadow:0 18px 45px rgba(10,37,64,.12);
  --font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --serif:"Fraunces",Georgia,serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--ink);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--blue);text-decoration:none}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.kicker{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.28em;text-transform:uppercase;color:var(--blue);margin-bottom:14px}
.kicker::before{content:"";display:inline-block;width:26px;height:2px;background:var(--gold);vertical-align:middle;margin-right:10px;margin-bottom:3px}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.15;color:var(--navy)}
.h-xl{font-size:clamp(2.4rem,5.2vw,4rem);letter-spacing:-.01em}
.h-lg{font-size:clamp(1.9rem,3.6vw,2.8rem);letter-spacing:-.01em}
.h-md{font-size:1.35rem}
.lead{font-size:1.08rem;color:var(--slate);max-width:640px}
.center{text-align:center}
.center .lead{margin:0 auto}

/* ---------- Header ---------- */
.header{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);transition:box-shadow .3s}
.header.scrolled{box-shadow:0 8px 30px rgba(10,37,64,.10)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:78px;max-width:1240px;margin:0 auto;padding:0 24px}
.brand{display:flex;align-items:center;gap:12px}
.brand img{height:52px;width:auto}
.brand-name{font-family:var(--serif);font-size:1.05rem;font-weight:700;color:var(--navy);line-height:1.2}
.brand-name span{display:block;font-family:var(--font);font-size:.62rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--slate)}
.nav{display:flex;align-items:center;gap:30px}
.nav a{font-size:.9rem;font-weight:600;color:var(--navy);position:relative;padding:6px 0}
.nav a::after{content:"";position:absolute;left:0;bottom:0;height:2px;width:0;background:var(--blue);transition:width .25s}
.nav a:hover::after,.nav a.active::after{width:100%}
.nav a.active{color:var(--blue)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 28px;border-radius:999px;font-size:.9rem;font-weight:700;transition:.25s;border:2px solid transparent;cursor:pointer}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--navy);transform:translateY(-2px);box-shadow:0 12px 26px rgba(27,111,209,.35)}
.btn-outline{border-color:rgba(255,255,255,.7);color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--blue);transform:translateY(-2px)}
.nav .btn{padding:10px 22px}
.burger{display:none;background:none;border:none;font-size:1.6rem;color:var(--navy);cursor:pointer}
@media(max-width:900px){
  .nav{position:fixed;top:78px;right:-100%;width:min(320px,85%);height:calc(100vh - 78px);background:#fff;flex-direction:column;align-items:flex-start;padding:34px 28px;gap:20px;box-shadow:-12px 0 40px rgba(10,37,64,.15);transition:right .3s}
  .nav.open{right:0}
  .burger{display:block}
}

/* ---------- Hero slider ---------- */
.hero{position:relative;min-height:100vh;display:flex;align-items:flex-end;color:#fff;overflow:hidden;background:var(--navy)}
.hero-slide{position:absolute;inset:0;opacity:0;transition:opacity 1.2s ease}
.hero-slide.active{opacity:1}
.hero-slide img{width:100%;height:100%;object-fit:cover;transform:scale(1.06);transition:transform 6s ease}
.hero-slide.active img{transform:scale(1)}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,37,64,.55) 0%,rgba(10,37,64,.35) 45%,rgba(10,37,64,.92) 100%)}
.hero-content{position:relative;z-index:2;width:100%;padding:170px 0 96px}
.hero-tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.3em;text-transform:uppercase;color:var(--sky);margin-bottom:20px;border:1px solid rgba(127,179,232,.4);padding:8px 18px;border-radius:999px}
.hero h1{color:#fff;max-width:760px;margin-bottom:20px}
.hero p{color:#c9d9ec;max-width:560px;font-size:1.05rem;margin-bottom:34px}
.hero-dots{position:absolute;z-index:3;right:34px;bottom:40px;display:flex;gap:10px}
.hero-dots button{width:34px;height:4px;border:none;border-radius:2px;background:rgba(255,255,255,.3);cursor:pointer;transition:.3s}
.hero-dots button.active{background:var(--gold)}

/* ---------- Stats strip ---------- */
.stats{background:var(--navy);color:#fff;padding:56px 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;text-align:center}
.stat b{display:block;font-family:var(--serif);font-size:2.6rem;font-weight:700;color:var(--sky)}
.stat span{font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;color:#a9c3de}
@media(max-width:760px){.stats-grid{grid-template-columns:repeat(2,1fr)}}

/* ---------- Sections ---------- */
.section{padding:110px 0}
.section.alt{background:var(--paper)}
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:70px;align-items:center}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:44px}}
.approach{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:38px;box-shadow:var(--shadow)}
.approach-item{border-left:3px solid var(--blue);padding-left:20px;margin-bottom:26px}
.approach-item:last-child{margin-bottom:0}
.approach-item h3{font-size:1.15rem;margin-bottom:6px}
.approach-item p{font-size:.92rem;color:var(--slate)}

/* ---------- Cards ---------- */
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;margin-top:56px}
.cards.c3{grid-template-columns:repeat(3,1fr)}
.cards.c2{grid-template-columns:repeat(2,1fr)}
@media(max-width:1000px){.cards{grid-template-columns:repeat(2,1fr)}.cards.c3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.cards,.cards.c3,.cards.c2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;transition:.3s;position:relative;overflow:hidden}
.card::before{content:"";position:absolute;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--blue),var(--gold));transition:width .35s}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:#c6d9ee}
.card:hover::before{width:100%}
.card .ico{width:52px;height:52px;border-radius:14px;background:var(--ice);display:flex;align-items:center;justify-content:center;color:var(--blue);margin-bottom:20px}
.card h3{font-size:1.12rem;margin-bottom:10px}
.card p{font-size:.9rem;color:var(--slate)}
.card ul{list-style:none;margin-top:6px}
.card ul li{font-size:.88rem;color:var(--slate);padding-left:20px;position:relative;margin-bottom:8px}
.card ul li::before{content:"";position:absolute;left:0;top:9px;width:8px;height:8px;border-radius:50%;background:var(--sky)}

/* ---------- Sectors ---------- */
.sector-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:52px}
@media(max-width:900px){.sector-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.sector-grid{grid-template-columns:1fr}}
.sector{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-3) 100%);border-radius:var(--radius);padding:30px;color:#dce9f7;border:1px solid rgba(127,179,232,.18);transition:.3s}
.sector:hover{transform:translateY(-5px);border-color:rgba(127,179,232,.5)}
.sector .ico{color:var(--gold);margin-bottom:14px}
.sector h3{color:#fff;font-size:1.05rem;margin-bottom:8px}
.sector p{font-size:.85rem;color:#a9c3de}
.sector-list{display:grid;gap:26px;margin-top:52px}
.sector-row{display:grid;grid-template-columns:64px 1fr;gap:26px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;transition:.3s}
.sector-row:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
.sector-row .num{font-family:var(--serif);font-size:1.9rem;font-weight:700;color:var(--sky)}
.sector-row h3{font-size:1.3rem;margin-bottom:10px}
.sector-row p{color:var(--slate);font-size:.95rem;max-width:820px}

/* ---------- Team ---------- */
.team-leader{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px;align-items:center;background:linear-gradient(150deg,var(--navy) 0%,var(--navy-3) 100%);border-radius:26px;overflow:hidden;color:#e7f0fa;box-shadow:var(--shadow)}
@media(max-width:900px){.team-leader{grid-template-columns:1fr}}
.team-leader .photo{height:100%;min-height:420px}
.team-leader .photo img{width:100%;height:100%;object-fit:cover;object-position:top}
.team-leader .bio{padding:56px 56px 56px 0}
@media(max-width:900px){.team-leader .bio{padding:0 38px 46px}}
.team-leader h3{color:#fff;font-size:1.9rem;margin:6px 0 4px}
.team-leader .role{color:var(--gold);font-weight:600;font-size:.85rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px}
.team-leader p{font-size:.94rem;color:#c2d5ea;margin-bottom:14px}
.exp-tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.exp-tags span,.exp-tags a{font-size:.72rem;font-weight:600;letter-spacing:.04em;border:1px solid rgba(127,179,232,.4);color:var(--sky);border-radius:999px;padding:5px 13px}
.exp-tags a{text-decoration:none;cursor:pointer;transition:.2s;display:inline-block}
.exp-tags a:hover{background:var(--blue);color:#fff!important;border-color:var(--blue)!important;transform:translateY(-2px)}
.team-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:28px;margin-top:60px}
@media(max-width:820px){.team-cards{grid-template-columns:1fr}}
.member{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:38px;transition:.3s}
.member:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.member-head{display:flex;align-items:center;gap:20px;margin-bottom:20px}
.avatar{width:84px;height:84px;border-radius:50%;background:linear-gradient(150deg,var(--blue),var(--navy));color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:1.7rem;font-weight:700;flex-shrink:0}
.avatar-img{width:84px;height:84px;border-radius:50%;object-fit:cover;object-position:center 18%;flex-shrink:0;border:3px solid var(--ice);box-shadow:0 6px 18px rgba(10,37,64,.18)}
.member h3{font-size:1.25rem;margin-bottom:4px}
.member .role{font-size:.8rem;font-weight:600;color:var(--blue);letter-spacing:.06em;text-transform:uppercase}
.member p{font-size:.9rem;color:var(--slate);margin-bottom:10px}

/* ---------- Impact / gallery ---------- */
.impact{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:52px 0}
@media(max-width:820px){.impact{grid-template-columns:1fr}}
.impact-card{background:var(--navy);color:#fff;border-radius:var(--radius);padding:34px;border:1px solid rgba(127,179,232,.2)}
.impact-card .tag{font-size:.68rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);margin-bottom:12px;display:block}
.impact-card h3{color:#fff;font-size:1.25rem;margin-bottom:10px}
.impact-card p{font-size:.88rem;color:#a9c3de}
.gallery{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:52px}
@media(max-width:820px){.gallery{grid-template-columns:repeat(2,1fr)}}
.gallery figure{border-radius:14px;overflow:hidden;position:relative}
.gallery img{height:230px;width:100%;object-fit:cover;transition:transform .5s}
.gallery figure:hover img{transform:scale(1.06)}
.gallery figcaption{position:absolute;left:0;right:0;bottom:0;padding:26px 16px 12px;font-size:.75rem;font-weight:600;color:#fff;background:linear-gradient(transparent,rgba(10,37,64,.85))}

/* ---------- Affiliations ---------- */
.affil{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;margin-top:52px}
@media(max-width:720px){.affil{grid-template-columns:1fr}}
.affil-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;transition:.3s;cursor:pointer}
.affil-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#c6d9ee}
.affil-card h3{font-size:1.15rem;margin-bottom:8px}
.affil-card p{font-size:.9rem;color:var(--slate);margin-bottom:14px}
.affil-card .go{font-size:.8rem;font-weight:700;color:var(--blue);letter-spacing:.06em;text-transform:uppercase}

/* ---------- CTA band ---------- */
.cta{background:linear-gradient(140deg,var(--navy) 0%,var(--blue) 130%);border-radius:26px;padding:70px 56px;color:#fff;display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap;position:relative;overflow:hidden}
.cta::before{content:"";position:absolute;right:-80px;top:-80px;width:320px;height:320px;border-radius:50%;background:rgba(255,255,255,.06)}
.cta h2{color:#fff;max-width:560px}
.cta p{color:#c9d9ec;margin-top:10px;max-width:520px}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:56px;margin-top:60px}
@media(max-width:900px){.contact-grid{grid-template-columns:1fr}}
.info-item{display:flex;gap:18px;margin-bottom:30px}
.info-item .ico{width:48px;height:48px;border-radius:12px;background:var(--ice);color:var(--blue);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.info-item b{display:block;color:var(--navy);font-size:.95rem}
.info-item span{color:var(--slate);font-size:.9rem}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:44px;box-shadow:var(--shadow)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:560px){.form-row{grid-template-columns:1fr}}
.field{margin-bottom:20px;display:flex;flex-direction:column}
.field label{font-size:.8rem;font-weight:600;color:var(--navy);margin-bottom:8px}
.field input,.field textarea,.field select{border:1px solid var(--line);border-radius:10px;padding:13px 16px;font-family:var(--font);font-size:.92rem;color:var(--ink);background:var(--paper);transition:.2s}
.field input:focus,.field textarea:focus,.field select:focus{outline:none;border-color:var(--blue);background:#fff;box-shadow:0 0 0 3px rgba(27,111,209,.12)}
.hp{position:absolute;left:-9999px;opacity:0;height:0}

/* ---------- Page hero (inner pages) ---------- */
.page-hero{background:linear-gradient(150deg,var(--navy) 0%,var(--navy-3) 120%);color:#fff;padding:190px 0 90px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-120px;bottom:-160px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(27,111,209,.35),transparent 70%)}
.page-hero h1{color:#fff}
.page-hero .lead{color:#c2d5ea}

/* ---------- Footer ---------- */
.footer{background:#071a2e;color:#9db8d4;padding:80px 0 0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.1fr;gap:46px;padding-bottom:56px}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr}}
.footer img{height:60px;width:auto;margin-bottom:18px}
.footer p{font-size:.88rem}
.footer h4{color:#fff;font-family:var(--font);font-size:.78rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;margin-bottom:20px}
.footer a{display:block;color:#9db8d4;font-size:.9rem;margin-bottom:11px;transition:.2s}
.footer a:hover{color:#fff;padding-left:4px}
.footer-bottom{border-top:1px solid rgba(157,184,212,.15);padding:24px 0;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:.78rem;color:#6e8aa8}

/* ---------- 404 / success ---------- */
.msg-page{min-height:100vh;display:flex;align-items:center;justify-content:center;text-align:center;background:var(--paper);padding:120px 24px 60px}

/* reveal animation */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}