/* ── TOKENS ───────────────────────────────────────────── */
:root{
  /* Blues — lightened, brighter */
  --royal:    #0A5BD6;
  --royal-dk: #0A47A8;
  --bright:   #2E8CFF;
  --sky:      #6FB4FF;
  --electric: #16BEE8;
  --navy:     #0B2A52;
  --deep:     #14448F;
  /* Warm accents */
  --gold:     #FFB800;
  --gold-lt:  #FFD04D;
  --amber:    #E38A00;
  --coral:    #FF6B35;
  /* Neutrals — warm mix */
  --white:    #FFFFFF;
  --snow:     #F1F6FE;
  --sand:     #FBF6EC;
  --sand-2:   #F4EAD7;
  --cream:    #FDFBF5;
  --mist:     #DCEBFF;
  --ink:      #10233F;
  --slate:    #55688A;
  --border:   rgba(11,42,82,.12);
  --shadow-sm: 0 2px 12px rgba(0,36,112,.08);
  --shadow-md: 0 8px 32px rgba(0,36,112,.14);
  --shadow-lg: 0 24px 64px rgba(0,36,112,.22);
  --r-sm:4px;--r-md:12px;--r-lg:24px;--r-full:9999px;
}

/* ── RESET ────────────────────────────────────────────── */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:'Inter',sans-serif;background:var(--snow);color:var(--ink);overflow-x:hidden}
a{color:inherit;text-decoration:none}
ul{list-style:none}
::selection{background:var(--electric);color:var(--navy)}
:focus-visible{outline:2px solid var(--royal);outline-offset:3px}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}}

/* ── TYPE HELPERS ─────────────────────────────────────── */
.display{font-family:'Cormorant Garamond',serif}
.eyebrow{font-family:'Space Grotesk',sans-serif;font-size:.68rem;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--royal)}
.section-title{font-family:'Cormorant Garamond',serif;font-size:clamp(2.2rem,4vw,3.4rem);font-weight:600;line-height:1.15;color:var(--ink)}
.cyan-rule{display:block;width:48px;height:3px;background:var(--electric);margin:.9rem 0 1.6rem}

/* ── SCROLL REVEAL ────────────────────────────────────── */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease}
.reveal.visible{opacity:1;transform:none}
.reveal.d1{transition-delay:.1s}.reveal.d2{transition-delay:.2s}
.reveal.d3{transition-delay:.3s}.reveal.d4{transition-delay:.4s}
.reveal.d5{transition-delay:.5s}

/* ── BUTTONS ──────────────────────────────────────────── */
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.88rem 2rem;font-family:'Space Grotesk',sans-serif;font-size:.82rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase;border:none;border-radius:var(--r-sm);cursor:pointer;transition:background .2s,transform .2s,box-shadow .2s;text-decoration:none}
.btn:hover{transform:translateY(-2px)}
.btn-royal{background:var(--royal);color:var(--white)}
.btn-royal:hover{background:var(--royal-dk)}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-lt)}
.btn-electric{background:var(--electric);color:var(--navy)}
.btn-electric:hover{background:#33D9FF}
.btn-outline{background:transparent;border:1.5px solid var(--royal);color:var(--royal)}
.btn-outline:hover{background:var(--royal);color:var(--white)}
.btn-ghost{background:transparent;border:none;color:var(--slate);font-family:'Space Grotesk',sans-serif;font-size:.88rem;font-weight:500;padding:.88rem 0;display:inline-flex;align-items:center;gap:.4rem;transition:color .2s;cursor:pointer}
.btn-ghost:hover{color:var(--royal)}
.btn-ghost .arr{transition:transform .2s}
.btn-ghost:hover .arr{transform:translateX(5px)}

/* ── LOGO MARK ───────────────────────────────────────── */
.nav-logo img{width:138px;height:auto;flex-shrink:0;filter:drop-shadow(0 6px 16px rgba(10,40,90,.18))}
nav.scrolled .nav-logo img{width:118px;transition:width .35s}

/* ── NAV ──────────────────────────────────────────────── */
nav{position:fixed;top:0;left:0;right:0;z-index:1000;display:flex;align-items:center;justify-content:space-between;padding:1.6rem 4rem;transition:background .35s,padding .35s,box-shadow .35s}
nav.scrolled{background:rgba(255,255,255,.88);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);padding:1rem 4rem;box-shadow:0 2px 30px rgba(10,40,90,.12)}
.nav-logo{display:flex;align-items:center;gap:.8rem;text-decoration:none}
.logo-name{font-family:'Cormorant Garamond',serif;font-size:1.05rem;font-weight:600;color:var(--ink);letter-spacing:.03em;display:block;line-height:1.1}
.logo-tag{font-size:.6rem;font-weight:500;letter-spacing:.22em;text-transform:uppercase;color:var(--royal);display:block;margin-top:2px}
.nav-links{display:flex;align-items:center;gap:2.25rem;list-style:none}
.nav-links a{font-family:'Space Grotesk',sans-serif;font-size:.82rem;font-weight:500;color:var(--slate);position:relative;padding-bottom:3px;transition:color .2s}
.nav-links a::after{content:'';position:absolute;bottom:0;left:0;width:0;height:2px;background:var(--royal);transition:width .3s}
.nav-links a:hover{color:var(--royal)}
.nav-links a:hover::after{width:100%}
.nav-portal{border:1.5px solid var(--royal)!important;color:var(--royal)!important;padding:.42rem 1.1rem;border-radius:var(--r-sm);font-size:.78rem!important;transition:background .2s,color .2s!important}
.nav-portal:hover{background:var(--royal)!important;color:#fff!important}
.nav-portal::after{display:none!important}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px;background:transparent;border:none;z-index:1001}
.hamburger span{display:block;width:24px;height:2px;background:var(--ink);border-radius:2px;transition:transform .3s,opacity .3s}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mobile-menu{position:fixed;inset:0;background:var(--snow);z-index:999;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2rem;opacity:0;pointer-events:none;transform:translateX(100%);transition:opacity .35s,transform .35s}
.mobile-menu.open{opacity:1;pointer-events:all;transform:none}
.mobile-menu a{font-family:'Space Grotesk',sans-serif;font-size:1.6rem;font-weight:700;color:var(--ink);transition:color .2s}
.mobile-menu a:hover{color:var(--royal)}
.mob-portal{margin-top:1rem;border:2px solid var(--royal)!important;color:var(--royal)!important;padding:.7rem 2rem;border-radius:var(--r-sm);font-size:1rem!important}

/* ── HERO ─────────────────────────────────────────────── */
.hero{position:relative;min-height:100vh;min-height:100dvh;display:grid;grid-template-columns:1fr 1fr;align-items:center;padding:0 4rem;overflow:hidden}
.hero-bg{position:absolute;inset:0;
  background:linear-gradient(155deg,
    #FFFFFF 0%,
    #F2F8FF 38%,
    #E1EFFF 68%,
    #CFE4FF 100%)}
/* IMAGE: hero-bg.jpg → African elephant in golden-hour savanna */
.hero-bg::after{content:'';position:absolute;bottom:0;left:0;right:0;height:40%;background:linear-gradient(to top,rgba(207,228,255,.7),transparent)}
/* Subtle radial glow */
.hero-bg::before{content:'';position:absolute;top:28%;left:58%;transform:translate(-50%,-50%);width:65%;height:65%;background:radial-gradient(ellipse,rgba(10,91,214,.10) 0%,transparent 70%);pointer-events:none}

.hero-content{position:relative;z-index:2;padding:9rem 0 4rem}
.hero-eyebrow{display:inline-flex;align-items:center;gap:.75rem;margin-bottom:1.75rem}
.hero-dot{width:6px;height:6px;border-radius:50%;background:var(--royal)}
.hero-eyebrow span{font-family:'Space Grotesk',sans-serif;font-size:.68rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--slate)}
.hero h1{font-family:'Cormorant Garamond',serif;font-size:clamp(3.4rem,6.5vw,6rem);font-weight:600;line-height:1.03;color:var(--ink);margin-bottom:1.75rem}
.hero h1 em{font-style:italic;color:var(--amber)}
.hero-body{font-size:.98rem;font-weight:300;line-height:1.9;color:var(--slate);max-width:460px;margin-bottom:2.75rem}
.hero-actions{display:flex;align-items:center;gap:1.75rem;flex-wrap:wrap}
.trust-bar{display:flex;align-items:stretch;margin-top:3.5rem;border:1px solid var(--border);border-radius:var(--r-sm);overflow:hidden;background:rgba(255,255,255,.6);backdrop-filter:blur(8px);box-shadow:var(--shadow-sm);max-width:fit-content}
.trust-item{padding:.75rem 1.5rem;font-family:'Space Grotesk',sans-serif;font-size:.72rem;font-weight:500;color:var(--slate);letter-spacing:.04em;border-right:1px solid var(--border)}
.trust-item:last-child{border-right:none}
.trust-item strong{color:var(--royal);font-weight:700}

/* Hero visual */
.hero-visual{position:relative;z-index:2;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:7rem 0 4rem}
.hero-watermark{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:.6rem;z-index:0;pointer-events:none;overflow:hidden}
.hero-watermark b{font-family:'Cormorant Garamond',serif;font-weight:700;font-size:clamp(9rem,22vw,19rem);line-height:.75;color:rgba(10,91,214,.07);letter-spacing:.02em}
.hero-watermark small{font-family:'Space Grotesk',sans-serif;font-size:clamp(.6rem,1vw,.78rem);font-weight:600;letter-spacing:.42em;text-transform:uppercase;color:rgba(10,91,214,.3);white-space:nowrap}
.hero-elephant{position:relative;z-index:1;width:100%;max-width:600px;filter:drop-shadow(0 22px 44px rgba(10,40,90,.22));animation:float 7s ease-in-out infinite}
.horizon{display:block;width:80%;height:2px;margin:1rem auto 0;background:linear-gradient(to right,transparent,var(--royal),transparent);opacity:.35}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-14px)}}
.scroll-cue{position:absolute;bottom:2rem;left:50%;transform:translateX(-50%);display:flex;flex-direction:column;align-items:center;gap:.5rem;z-index:2}
.scroll-cue span{font-family:'Space Grotesk',sans-serif;font-size:.62rem;letter-spacing:.2em;text-transform:uppercase;color:var(--slate)}
.scroll-arrow{width:30px;height:30px;border:1px solid rgba(10,91,214,.4);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--royal);animation:bounce 2s ease-in-out infinite}
@keyframes bounce{0%,100%{transform:translateY(0)}50%{transform:translateY(7px)}}

/* ── TICKER ───────────────────────────────────────────── */
.ticker{background:var(--gold);overflow:hidden;height:52px;display:flex;align-items:center;border-top:1px solid rgba(0,0,0,.06)}
.ticker-track{display:flex;width:max-content;animation:marquee 28s linear infinite;will-change:transform}
.ticker-track:hover{animation-play-state:paused}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.t-item{white-space:nowrap;font-family:'Space Grotesk',sans-serif;font-size:.78rem;font-weight:700;color:var(--navy);letter-spacing:.08em;padding:0 1.5rem}
.t-sep{color:var(--royal);font-size:.9rem;padding:0 .25rem}

/* ── ABOUT ────────────────────────────────────────────── */
.about{padding:7rem 4rem;background:var(--cream);display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}
.about-cards{position:relative;height:420px}
.about-card-back{position:absolute;top:24px;left:24px;right:-12px;bottom:-12px;background:var(--deep);border-radius:var(--r-lg)}
.about-card-front{position:absolute;inset:0;background:var(--snow);border:1px solid var(--border);border-radius:var(--r-lg);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:1.25rem;padding:2.5rem;box-shadow:var(--shadow-md)}
.about-icon-ring{width:80px;height:80px;border-radius:50%;background:var(--royal);display:flex;align-items:center;justify-content:center}
.about-icon-ring img{width:52px;height:auto}
.about-card-hd{font-family:'Space Grotesk',sans-serif;font-size:1.1rem;font-weight:700;color:var(--ink);text-align:center}
.about-card-sub{font-size:.84rem;font-weight:300;color:var(--slate);text-align:center}
.about-stat-bar{display:flex;margin-top:1.5rem;border-top:1px solid var(--border);width:100%}
.asbi{flex:1;padding:.9rem .5rem;text-align:center;border-right:1px solid var(--border)}
.asbi:last-child{border-right:none}
.asbi .n{font-family:'Space Grotesk',sans-serif;font-size:.78rem;font-weight:700;color:var(--royal);display:block}
.asbi .l{font-size:.68rem;font-weight:300;color:var(--slate);display:block;margin-top:2px}
.about-link{display:inline-flex;align-items:center;gap:.4rem;color:var(--royal);font-family:'Space Grotesk',sans-serif;font-size:.85rem;font-weight:600;margin-top:1.75rem;transition:gap .2s}
.about-link:hover{gap:.7rem}

/* ── STATS ────────────────────────────────────────────── */
.stats-section{padding:6rem 4rem;background:linear-gradient(180deg,#F2F8FF,#E4EFFF);position:relative;overflow:hidden}
.stats-section::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 20% 50%,rgba(10,91,214,.06) 0%,transparent 55%),radial-gradient(ellipse at 80% 20%,rgba(46,140,255,.06) 0%,transparent 45%)}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);position:relative;z-index:1}
.stat-card{padding:3rem 2rem;text-align:center;border-right:1px solid var(--border)}
.stat-card:last-child{border-right:none}
.stat-number{font-family:'Cormorant Garamond',serif;font-size:clamp(3rem,5vw,4.8rem);font-weight:700;color:var(--royal);line-height:1}
.stat-suffix{font-family:'Cormorant Garamond',serif;font-size:clamp(2rem,3.5vw,3.2rem);font-weight:700;color:var(--amber)}
.stat-label{font-size:.8rem;font-weight:300;color:var(--slate);margin-top:.9rem;line-height:1.6;max-width:160px;margin-left:auto;margin-right:auto}

/* ── SERVICES ─────────────────────────────────────────── */
.services{padding:7rem 4rem;background:var(--sand)}
.svc-header{display:flex;align-items:flex-end;justify-content:space-between;margin-bottom:4rem;gap:2rem}
.svc-sub{font-size:.92rem;font-weight:300;color:var(--slate);max-width:300px;line-height:1.85;text-align:right}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.svc-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);padding:2.5rem 2.25rem;box-shadow:var(--shadow-sm);transition:transform .3s,box-shadow .3s;position:relative;overflow:hidden}
.svc-card::before{content:'';position:absolute;top:0;left:0;width:4px;height:0;transition:height .35s ease;border-radius:0 0 4px 4px}
.svc-card:nth-child(1)::before,.svc-card:nth-child(3)::before,.svc-card:nth-child(5)::before{background:var(--royal)}
.svc-card:nth-child(2)::before,.svc-card:nth-child(4)::before,.svc-card:nth-child(6)::before{background:var(--gold)}
.svc-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg)}
.svc-card:hover::before{height:100%}
.svc-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:1.75rem}
.svc-num{font-family:'Space Grotesk',sans-serif;font-size:.65rem;font-weight:700;letter-spacing:.18em;color:var(--royal);background:var(--mist);padding:4px 10px;border-radius:var(--r-full)}
.svc-icon{width:44px;height:44px;border-radius:50%;background:var(--mist);display:flex;align-items:center;justify-content:center;transition:background .3s}
.svc-card:hover .svc-icon{background:var(--royal)}
.svc-icon svg{width:20px;height:20px;stroke:var(--royal);stroke-width:1.5;fill:none;stroke-linecap:round;stroke-linejoin:round;transition:stroke .3s}
.svc-card:hover .svc-icon svg{stroke:#fff}
.svc-title{font-family:'Space Grotesk',sans-serif;font-size:1.1rem;font-weight:700;color:var(--ink);margin-bottom:.6rem;line-height:1.25}
.svc-desc{font-size:.85rem;font-weight:300;color:var(--slate);line-height:1.9}
.svc-link{display:inline-flex;align-items:center;gap:.35rem;font-family:'Space Grotesk',sans-serif;font-size:.8rem;font-weight:600;color:var(--royal);margin-top:1.75rem;transition:gap .2s}
.svc-link:hover{gap:.6rem}

/* ── STOKVEL SPOTLIGHT ────────────────────────────────── */
.stokvel{padding:7rem 4rem;background:linear-gradient(160deg,#EEF5FF,#DBEAFF);display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}
.stokvel-numbers{display:flex;flex-direction:column;gap:1.75rem}
.big-num{display:flex;align-items:baseline;gap:.25rem}
.big-n{font-family:'Cormorant Garamond',serif;font-size:clamp(4rem,8vw,7.5rem);font-weight:700;color:var(--royal);line-height:1}
.big-s{font-family:'Cormorant Garamond',serif;font-size:clamp(2.5rem,5vw,4.5rem);font-weight:600;color:var(--amber)}
.big-label{font-size:.85rem;font-weight:300;color:var(--slate);margin-top:.3rem}
.stk-div{width:60px;height:1px;background:var(--border)}
.stokvel-content .eyebrow{color:var(--royal)}
.stk-title{font-family:'Cormorant Garamond',serif;font-size:clamp(2rem,3.5vw,3rem);font-weight:600;color:var(--ink);line-height:1.2;margin:1rem 0 1.5rem}
.stk-title em{font-style:italic;color:var(--royal)}
.stk-body{font-size:.92rem;font-weight:300;color:var(--slate);line-height:1.95;margin-bottom:1.25rem}
.check-list{display:flex;flex-direction:column;gap:.75rem;margin:2rem 0}
.check-item{display:flex;align-items:center;gap:.8rem;font-family:'Space Grotesk',sans-serif;font-size:.85rem;font-weight:500;color:var(--ink)}
.check-icon{width:22px;height:22px;border-radius:50%;background:var(--royal);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.check-icon svg{width:12px;height:12px;stroke:#fff;stroke-width:2.5;fill:none}

/* ── WHY ESG ──────────────────────────────────────────── */
.why{padding:7rem 4rem;background:var(--cream)}
.why-hd{text-align:center;margin-bottom:4rem}
.why-hd .section-title{margin:.75rem auto 0;max-width:540px}
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.why-card{padding:2.5rem;background:var(--white);border-radius:var(--r-md);border-left:4px solid var(--royal);box-shadow:var(--shadow-sm);transition:box-shadow .3s,transform .3s}
.why-card:nth-child(2){border-color:var(--gold)}
.why-card:nth-child(3){border-color:var(--electric)}
.why-card:nth-child(4){border-color:var(--coral)}
.why-card:hover{box-shadow:var(--shadow-md);transform:translateY(-4px)}
.why-tag-row{display:flex;align-items:center;gap:1rem;margin-bottom:1rem}
.why-tag{font-family:'Space Grotesk',sans-serif;font-size:.62rem;font-weight:700;letter-spacing:.16em;color:var(--royal);background:var(--mist);padding:3px 9px;border-radius:var(--r-full)}
.why-card:nth-child(2) .why-tag{color:#7A5500;background:#FFF6D6}
.why-card:nth-child(3) .why-tag{color:#006B8A;background:#D6F5FF}
.why-card:nth-child(4) .why-tag{color:#C94100;background:#FFF0E8}
.why-title{font-family:'Space Grotesk',sans-serif;font-size:1.05rem;font-weight:700;color:var(--ink)}
.why-desc{font-size:.86rem;font-weight:300;color:var(--slate);line-height:1.9;margin-top:.75rem}

/* ── PARTNERS ─────────────────────────────────────────── */
.partners{padding:3.5rem 4rem;background:var(--sand-2);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.partners-label{text-align:center;font-family:'Space Grotesk',sans-serif;font-size:.68rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--slate);margin-bottom:2rem}
.partners-row{display:flex;align-items:center;justify-content:center;flex-wrap:wrap}
.partner{padding:0 3rem;border-right:1px solid var(--border);font-family:'Space Grotesk',sans-serif;font-size:1.05rem;font-weight:700;color:var(--slate);letter-spacing:.03em;transition:color .2s;cursor:default;text-align:center}
.partner:last-child{border-right:none}
.partner:hover{color:var(--royal)}
.partner span{font-size:.62rem;font-weight:400;display:block;letter-spacing:.1em;text-transform:uppercase;margin-top:3px;color:var(--royal);opacity:.7}

/* ── CONTACT ──────────────────────────────────────────── */
.contact{display:grid;grid-template-columns:1.1fr 1fr}
.contact-form-panel{background:var(--white);padding:6rem 4rem}
.contact-form-panel .eyebrow{color:var(--royal)}
.form-title{font-family:'Cormorant Garamond',serif;font-size:clamp(2rem,3.5vw,3.2rem);font-weight:600;color:var(--ink);line-height:1.15;margin:.9rem 0 1rem}
.form-intro{font-size:.9rem;font-weight:300;color:var(--slate);line-height:1.85;margin-bottom:2.5rem}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem}
.form-group{display:flex;flex-direction:column;gap:.45rem;margin-bottom:1.25rem}
.form-group label{font-family:'Space Grotesk',sans-serif;font-size:.72rem;font-weight:500;color:var(--slate);letter-spacing:.05em}
.form-group input,.form-group select,.form-group textarea{background:var(--snow);border:1px solid var(--border);border-radius:var(--r-sm);color:var(--ink);padding:.9rem 1.1rem;font-family:'Inter',sans-serif;font-size:.88rem;font-weight:300;transition:border-color .2s,box-shadow .2s;width:100%}
.form-group input::placeholder,.form-group textarea::placeholder{color:var(--slate);opacity:.6}
.form-group select option{background:var(--white);color:var(--ink)}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--royal);box-shadow:0 0 0 3px rgba(10,91,214,.12)}
.form-group textarea{resize:vertical;min-height:120px}
.form-submit{width:100%;padding:1rem;margin-top:.5rem;font-size:.85rem}
.form-success{display:none;align-items:center;gap:.75rem;background:rgba(10,91,214,.08);border:1px solid rgba(10,91,214,.3);border-radius:var(--r-sm);padding:1.1rem 1.25rem;color:var(--royal);font-family:'Space Grotesk',sans-serif;font-size:.88rem;font-weight:500;margin-top:1rem}
.form-success svg{width:20px;height:20px;stroke:var(--royal);stroke-width:2;fill:none;flex-shrink:0}

.contact-info-panel{background:var(--royal);padding:6rem 3.5rem;display:flex;flex-direction:column;justify-content:center}
.contact-logo-circle{width:72px;height:72px;border-radius:50%;background:rgba(255,255,255,.15);display:flex;align-items:center;justify-content:center;margin-bottom:2rem;overflow:hidden}
.contact-logo-circle img{width:48px;height:auto}
.contact-brand{font-family:'Cormorant Garamond',serif;font-size:1.5rem;font-weight:600;color:#fff;margin-bottom:.4rem}
.contact-brand-tag{font-family:'Space Grotesk',sans-serif;font-size:.7rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.6);margin-bottom:2.5rem;display:block}
.contact-detail{display:flex;align-items:flex-start;gap:1rem;margin-bottom:1.6rem}
.contact-detail-icon{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.15);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}
.contact-detail-icon svg{width:16px;height:16px;stroke:#fff;stroke-width:1.8;fill:none}
.contact-detail-text strong{font-family:'Space Grotesk',sans-serif;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.6);display:block;margin-bottom:4px}
.contact-detail-text span,.contact-detail-text a{font-size:.9rem;font-weight:400;color:rgba(255,255,255,.9);font-family:'Inter',sans-serif;line-height:1.65}
.hours-block{margin-top:2.5rem;padding-top:2rem;border-top:1px solid rgba(255,255,255,.18)}
.hours-label{font-family:'Space Grotesk',sans-serif;font-size:.65rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:rgba(255,255,255,.55);margin-bottom:.75rem;display:block}
.hours-text{font-size:.85rem;font-weight:300;color:rgba(255,255,255,.8);line-height:2;font-family:'Inter',sans-serif}

/* ── FOOTER ───────────────────────────────────────────── */
footer{background:var(--snow);padding:5rem 4rem 0;border-top:1px solid var(--border)}
.footer-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:3.5rem;padding-bottom:4rem;border-bottom:1px solid var(--border)}
.fb-name{font-family:'Cormorant Garamond',serif;font-size:1.15rem;font-weight:600;color:var(--ink);display:block;margin-top:.75rem}
.fb-tag{font-family:'Space Grotesk',sans-serif;font-size:.62rem;font-weight:500;letter-spacing:.2em;text-transform:uppercase;color:var(--royal);display:block;margin-top:3px;margin-bottom:1.1rem}
.footer-brand p{font-size:.82rem;font-weight:300;color:var(--slate);line-height:1.85;max-width:220px}
.footer-col h4{font-family:'Space Grotesk',sans-serif;font-size:.63rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--royal);margin-bottom:1.5rem}
.footer-col ul{display:flex;flex-direction:column;gap:.7rem}
.footer-col ul a{font-size:.82rem;font-weight:300;color:var(--slate);transition:color .2s}
.footer-col ul a:hover{color:var(--royal)}
.footer-bottom{padding:1.75rem 0 2rem;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:1rem}
.footer-bottom p,.footer-bottom span{font-size:.73rem;font-weight:300;color:var(--slate)}

/* Back to top */
#btt{position:fixed;bottom:2rem;right:2rem;width:48px;height:48px;border-radius:50%;background:var(--royal);border:none;color:#fff;font-size:1.1rem;cursor:pointer;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 20px rgba(0,87,217,.4);opacity:0;transform:translateY(16px);transition:opacity .3s,transform .3s;z-index:900}
#btt.visible{opacity:1;transform:none}
#btt:hover{background:var(--royal-dk)}

/* ── RESPONSIVE ───────────────────────────────────────── */
@media(max-width:1100px){
  nav,nav.scrolled{padding-left:2rem;padding-right:2rem}
  .hero,.about,.stokvel,.why{padding-left:2rem;padding-right:2rem}
  .services,.stats-section,.partners,.contact-form-panel,.contact-info-panel,footer{padding-left:2rem;padding-right:2rem}
}
@media(max-width:900px){
  nav{padding:1.2rem 1.5rem}
  nav.scrolled{padding:.85rem 1.5rem}
  .nav-links{display:none}
  .hamburger{display:flex}
  .hero{grid-template-columns:1fr;padding:0 1.5rem}
  .hero-visual{display:none}
  .hero-content{padding:8rem 0 5rem}
  .hero h1{font-size:clamp(2.8rem,8vw,4.5rem)}
  .about{grid-template-columns:1fr;padding:5rem 1.5rem;gap:3rem}
  .about-cards{height:320px}
  .stats-grid{grid-template-columns:1fr 1fr}
  .stat-card{border-right:none;border-bottom:1px solid rgba(255,255,255,.06);padding:2.5rem 1.5rem}
  .stat-card:nth-child(odd){border-right:1px solid rgba(255,255,255,.06)}
  .stat-card:nth-child(3),.stat-card:nth-child(4){border-bottom:none}
  .svc-header{flex-direction:column;align-items:flex-start;gap:1rem}
  .svc-sub{text-align:left;max-width:100%}
  .svc-grid{grid-template-columns:1fr 1fr}
  .stokvel{grid-template-columns:1fr;padding:5rem 1.5rem}
  .stokvel-numbers{flex-direction:row;gap:3rem;flex-wrap:wrap}
  .why-grid{grid-template-columns:1fr}
  .contact{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr;gap:2.5rem}
  .footer-grid>div:first-child{grid-column:1/-1}
}
@media(max-width:600px){
  .hero-content{padding:7rem 0 4rem}
  .trust-bar{flex-direction:column;max-width:100%;width:100%}
  .trust-item{border-right:none;border-bottom:1px solid rgba(255,255,255,.08);width:100%;text-align:center}
  .trust-item:last-child{border-bottom:none}
  .stats-grid{grid-template-columns:1fr}
  .stat-card{border-right:none!important;border-bottom:1px solid rgba(255,255,255,.06)!important}
  .stat-card:last-child{border-bottom:none!important}
  .svc-grid{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .footer-grid>div:first-child{grid-column:auto}
  .footer-bottom{flex-direction:column;text-align:center}
  .services,.why{padding-left:1.25rem;padding-right:1.25rem}
  .contact-form-panel,.contact-info-panel{padding-left:1.5rem;padding-right:1.5rem;padding-top:4rem;padding-bottom:4rem}
  footer{padding:3.5rem 1.5rem 0}
  .partners{padding:2.5rem 1.5rem}
  .partner{padding:0 1rem;font-size:.9rem}
}