:root {
  --navy: #0b2c38;
  --navy-2: #123d4c;
  --navy-3: #1a5163;
  --gold: #1db8a6;
  --gold-2: #5fd4c6;
  --gold-dark: #148f82;
  --ivory: #e7f2f1;
  --paper: #f4f8f8;
  --radius: 12px;
  --ink: #0d1c22;
  --muted: #5a6b70;
  --line: rgba(11, 44, 56, 0.12);
  --ok: #148f82;
  --bad: #9b2c24;
  --serif: "Fraunces", "Times New Roman", serif;
  --sans: "Plus Jakarta Sans", "Segoe UI", sans-serif;
  --max: 1160px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  font-size: 1.02rem;
  font-weight: 400;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-2); }
a:hover { color: var(--gold-dark); }
h1, h2, h3, h4, .serif {
  font-family: var(--serif);
  font-weight: 600;
  letter-spacing: -0.02em;
  line-height: 1.14;
  color: var(--navy);
}
p { margin: 0 0 1rem; }
address { font-style: normal; }

.container { width: min(var(--max), calc(100% - 2.5rem)); margin-inline: auto; }
.skip-link {
  position: absolute; left: -999px; top: 0;
  background: #000; color: #fff; padding: .7rem 1rem; z-index: 200;
}
.skip-link:focus { left: 1rem; top: 1rem; }
.muted { color: var(--muted); }

.site-header {
  position: sticky; top: 0; z-index: 80;
  background: rgba(11, 44, 56, 0.96);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(29, 184, 166, 0.22);
}
.header-inner {
  display: flex; align-items: center; gap: 1.4rem;
  padding: 0.95rem 0;
}
.logo {
  display: flex; align-items: center; gap: 0.7rem;
  text-decoration: none; color: #fff; flex-shrink: 0;
}
.logo img { width: 36px; height: 36px; }
.logo-text {
  font-family: var(--serif);
  font-size: 1.18rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  white-space: nowrap;
}
.logo-text span { color: var(--gold); font-weight: 500; letter-spacing: 0.14em; font-size: .78em; }
.main-nav { display: flex; gap: 1.25rem; flex-wrap: wrap; }
.main-nav a {
  color: rgba(255,255,255,.78);
  text-decoration: none;
  font-size: .84rem;
  letter-spacing: .04em;
  text-transform: uppercase;
  font-weight: 600;
}
.main-nav a[aria-current="page"],
.main-nav a:hover { color: var(--gold-2); }
.header-actions { margin-left: auto; display: flex; align-items: center; gap: 0.9rem; }
.nav-toggle {
  display: none;
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255,255,255,.28);
  border-radius: 8px;
  padding: .4rem .85rem;
  font: inherit;
  font-size: .82rem;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .45rem;
  padding: .78rem 1.45rem;
  border: 1px solid transparent;
  font-family: inherit;
  font-size: .86rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  text-decoration: none;
  cursor: pointer;
  border-radius: 8px;
}
.btn-gold {
  background: var(--gold);
  color: var(--navy);
}
.btn-gold:hover { background: var(--gold-2); color: var(--navy); }
.btn-ghost {
  background: transparent;
  border-color: rgba(29,184,166,.55);
  color: var(--gold);
}
.btn-ghost:hover { background: rgba(29,184,166,.12); color: var(--gold-2); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { color: #fff; background: var(--navy-2); }
.btn-line {
  background: transparent;
  border-color: var(--navy);
  color: var(--navy);
}
.btn-line:hover { background: var(--navy); color: #fff; }

.hero {
  position: relative;
  background:
    linear-gradient(115deg, rgba(7,26,34,.88) 0%, rgba(11,44,56,.62) 52%, rgba(11,44,56,.38) 100%),
    url("/assets/img/hero-zurich.jpg") center/cover no-repeat;
  color: #fff;
  padding: 6.8rem 0 5.6rem;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 42px 42px;
  mask-image: linear-gradient(180deg, rgba(0,0,0,.55), transparent 80%);
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute; inset: auto 0 0 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 3rem;
  align-items: end;
}
.kicker {
  color: var(--gold);
  letter-spacing: .22em;
  text-transform: uppercase;
  font-size: .72rem;
  font-weight: 700;
  margin: 0 0 .85rem;
}
.hero h1 {
  font-size: clamp(2.5rem, 5vw, 4.2rem);
  color: #fff;
  margin: 0 0 1.15rem;
  max-width: 16ch;
}
.hero .lede {
  font-size: 1.12rem;
  max-width: 38rem;
  color: rgba(255,255,255,.82);
  margin-bottom: 1.8rem;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; }
.hero-aside {
  border: 1px solid rgba(29,184,166,.28);
  background: rgba(7,26,34,.52);
  backdrop-filter: blur(12px);
  padding: 1.6rem 1.5rem;
  border-radius: var(--radius);
}
.hero-aside dt {
  font-size: .7rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 .2rem;
}
.hero-aside dd {
  margin: 0 0 1rem;
  color: rgba(255,255,255,.9);
  font-size: .95rem;
}
.hero-aside dd:last-child { margin-bottom: 0; }

.page-hero {
  background:
    linear-gradient(115deg, rgba(7,26,34,.88) 0%, rgba(11,44,56,.5) 100%),
    var(--navy);
  color: #fff;
  padding: 5rem 0 3.6rem;
  position: relative;
  background-size: cover;
  background-position: center;
}
.page-hero-about {
  background-image:
    linear-gradient(115deg, rgba(7,26,34,.86) 0%, rgba(11,44,56,.48) 100%),
    url("/assets/img/photo-street.jpg");
}
.page-hero-pay {
  background-image:
    linear-gradient(115deg, rgba(7,26,34,.86) 0%, rgba(11,44,56,.48) 100%),
    url("/assets/img/photo-payment.jpg");
}
.page-hero-corp {
  background-image:
    linear-gradient(115deg, rgba(7,26,34,.88) 0%, rgba(11,44,56,.5) 100%),
    url("/assets/img/photo-building.jpg");
}
.page-hero-contact {
  background-image:
    linear-gradient(115deg, rgba(7,26,34,.86) 0%, rgba(11,44,56,.5) 100%),
    url("/assets/img/photo-meeting.jpg");
}
.page-hero-legal {
  background-image:
    linear-gradient(115deg, rgba(7,26,34,.88) 0%, rgba(11,44,56,.52) 100%),
    url("/assets/img/photo-office.jpg");
}
.page-hero::after {
  content: "";
  position: absolute; inset: auto 0 0 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.page-hero h1 { color: #fff; font-size: clamp(2.15rem, 4vw, 3.4rem); margin: 0 0 .7rem; max-width: 18ch; }
.page-hero .intro { max-width: 42rem; color: rgba(255,255,255,.78); margin: 0; }

.section { padding: 4.6rem 0; }
.section-ivory { background: var(--ivory); }
.section-navy { background: var(--navy); color: #fff; }
.section-navy h2, .section-navy h3 { color: #fff; }
.section h2 { font-size: clamp(1.85rem, 3.1vw, 2.7rem); margin: 0 0 .7rem; }
.section .intro { max-width: 44rem; color: var(--muted); margin-bottom: 2rem; }
.section-navy .intro { color: rgba(255,255,255,.72); }
.section-head { margin-bottom: 2.2rem; }

.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.1rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 2.2rem; align-items: start; }
.grid-2-wide { display: grid; grid-template-columns: 1.05fr .95fr; gap: 2.4rem; align-items: start; }

.pillar {
  border: 1px solid var(--line);
  background: #fff;
  padding: 0 0 1.45rem;
  min-height: 100%;
  display: flex;
  flex-direction: column;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: 0 10px 28px rgba(11,44,56,.05);
}
.pillar-photo {
  height: 148px;
  overflow: hidden;
}
.pillar-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.pillar-body { padding: 1.25rem 1.35rem 0; }
.pillar .num {
  font-family: var(--serif);
  color: var(--gold-dark);
  font-size: 1.35rem;
  margin: 0 0 .7rem;
  letter-spacing: .06em;
}
.pillar h3 { font-size: 1.32rem; margin: 0 0 .55rem; }
.pillar p { color: var(--muted); font-size: .95rem; flex: 1; }
.pillar a {
  margin-top: .6rem;
  font-size: .78rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  font-weight: 700;
  text-decoration: none;
  color: var(--gold-dark);
}
.pillar a:hover { color: var(--navy); }

.icon-row {
  width: 38px; height: 38px;
  border: 1px solid var(--gold);
  border-radius: 10px;
  display: grid; place-items: center;
  margin-bottom: .9rem;
  color: var(--gold-dark);
}
.icon-row svg { width: 18px; height: 18px; }

.trust-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border: 1px solid rgba(29,184,166,.28);
  border-radius: var(--radius);
  overflow: hidden;
}
.trust-item {
  padding: 1.35rem 1.2rem;
  border-right: 1px solid rgba(29,184,166,.22);
}
.trust-item:last-child { border-right: 0; }
.trust-item strong {
  display: block;
  font-family: var(--serif);
  font-size: 1.15rem;
  color: #fff;
  font-weight: 600;
}
.trust-item span { font-size: .82rem; color: rgba(255,255,255,.65); }

.cta-band {
  display: grid;
  grid-template-columns: 1.4fr auto;
  gap: 1.5rem;
  align-items: center;
  border: 1px solid rgba(29,184,166,.35);
  padding: 2.2rem 2rem;
  border-radius: var(--radius);
}
.cta-band h2 { margin: 0 0 .4rem; }
.cta-band p { margin: 0; color: rgba(255,255,255,.72); max-width: 38rem; }

.prose { max-width: 46rem; }
.prose h3 { font-size: 1.45rem; margin: 1.8rem 0 .5rem; }
.prose ul { padding-left: 1.15rem; color: #3d484c; }
.prose li { margin: .35rem 0; }

.card {
  background: #fff;
  border: 1px solid var(--line);
  padding: 1.6rem 1.5rem;
  border-radius: var(--radius);
}
.card h3 { margin: 0 0 .5rem; font-size: 1.4rem; }
.card p:last-child { margin-bottom: 0; }
.card-navy {
  background: var(--navy-2);
  color: #fff;
  border-color: rgba(29,184,166,.25);
}
.card-navy h3 { color: #fff; }
.card-navy p { color: rgba(255,255,255,.78); }

.values { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.value {
  padding: 1.7rem 1.5rem;
  border-right: 1px solid var(--line);
  background: #fff;
}
.value:last-child { border-right: 0; }
.value h3 { margin: 0 0 .45rem; font-size: 1.3rem; }
.value p { margin: 0; color: var(--muted); font-size: .95rem; }

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; }
.step {
  background: #fff;
  border: 1px solid var(--line);
  padding: 1.5rem 1.35rem;
  border-radius: var(--radius);
}
.step .num { color: var(--gold-dark); font-family: var(--serif); font-size: 1.6rem; margin: 0 0 .4rem; }
.step h3 { margin: 0 0 .45rem; font-size: 1.28rem; }

.audience { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; }

.field { display: flex; flex-direction: column; gap: .35rem; margin-bottom: .9rem; }
.field label { font-size: .8rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: var(--navy-2); }
.field input, .field select, .field textarea {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: .78rem .85rem;
  font: inherit;
  background: #fff;
  color: var(--ink);
}
.field textarea { min-height: 8.5rem; resize: vertical; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 .9rem; }
.full { grid-column: 1 / -1; }
.form-note { font-size: .82rem; color: var(--muted); margin-top: .6rem; }
.alert-ok {
  background: #eef8f6;
  border: 1px solid #c5e4de;
  padding: 1.1rem 1.2rem;
  margin-bottom: 1.2rem;
  border-radius: var(--radius);
}
.alert-bad { color: var(--bad); margin: 0 0 1rem; padding-left: 1.1rem; }

.contact-panel {
  background: #fff;
  border: 1px solid var(--line);
  padding: 1.7rem 1.55rem;
  border-radius: var(--radius);
}
.office-card {
  background: var(--navy);
  color: #fff;
  padding: 2rem 1.7rem;
  min-height: 100%;
  border-radius: var(--radius);
}
.office-card h2 { color: #fff; margin: 0 0 .8rem; }
.office-card a { color: var(--gold); text-decoration: none; }
.office-card .ids {
  margin-top: 1.4rem;
  padding-top: 1.2rem;
  border-top: 1px solid rgba(29,184,166,.28);
  font-size: .88rem;
  color: rgba(255,255,255,.75);
}
.office-card .ids span { display: block; margin: .2rem 0; }

.legal { max-width: 780px; }
.legal h2 { font-size: 1.45rem; margin: 2.1rem 0 .5rem; }
.legal p, .legal li { color: #3f484c; }
.legal dl { display: grid; grid-template-columns: 10rem 1fr; gap: .35rem 1rem; }
.legal dt { font-weight: 700; color: var(--navy); }
.legal dd { margin: 0; }

.table-plain { width: 100%; border-collapse: collapse; font-size: .95rem; }
.table-plain th, .table-plain td {
  text-align: left;
  padding: .7rem .4rem;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}
.table-plain th { font-size: .75rem; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); font-weight: 700; }

.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,.78);
  padding: 3.4rem 0 1.5rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.45fr 1fr 1fr 1fr;
  gap: 1.8rem;
}
.site-footer h2 {
  color: #fff;
  font-size: 1.05rem;
  margin: 0 0 .75rem;
  font-family: var(--sans);
  letter-spacing: .12em;
  text-transform: uppercase;
  font-weight: 700;
}
.site-footer a { color: var(--gold-2); text-decoration: none; }
.site-footer a:hover { color: #fff; }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin: .38rem 0; }
.footer-lead { color: rgba(255,255,255,.68); max-width: 28rem; }
.ids-inline { font-size: .82rem; color: rgba(255,255,255,.58); margin-top: .8rem; }
.footer-legal {
  margin-top: 2.2rem;
  padding-top: 1.2rem;
  border-top: 1px solid rgba(255,255,255,.08);
  font-size: .8rem;
  color: rgba(255,255,255,.5);
}
.footer-legal p { margin: 0 0 .6rem; }

.cookie-bar {
  position: fixed; bottom: 1rem; left: 50%; transform: translateX(-50%);
  width: min(740px, calc(100% - 1.5rem));
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: 0 18px 40px rgba(11,44,56,.14);
  padding: 1.05rem 1.15rem;
  z-index: 90;
  display: none;
  gap: 1rem;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  border-radius: var(--radius);
}
.cookie-bar.is-open { display: flex; }
.cookie-bar[hidden] { display: none !important; }
.cookie-bar p { margin: 0; font-size: .9rem; max-width: 42rem; }
.cookie-actions { display: flex; gap: .55rem; flex-wrap: wrap; }

.widget-box {
  background: #fff;
  border: 1px solid var(--line);
  padding: 1.7rem 1.55rem;
  border-radius: var(--radius);
}
.widget-box h3 { margin: 0 0 .45rem; font-size: 1.4rem; }
.widget-form .btn { width: 100%; margin-top: .35rem; }

.photo-frame {
  overflow: hidden;
  border-radius: var(--radius);
  border: 1px solid var(--line);
  min-height: 280px;
}
.photo-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 280px;
}
.gallery {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: .8rem;
}
.gallery figure {
  margin: 0;
  overflow: hidden;
  border-radius: var(--radius);
  position: relative;
  min-height: 220px;
}
.gallery img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 220px;
}
.gallery figcaption {
  position: absolute;
  left: 0; right: 0; bottom: 0;
  padding: .85rem 1rem;
  background: linear-gradient(transparent, rgba(7,26,34,.78));
  color: #fff;
  font-size: .82rem;
  letter-spacing: .06em;
  text-transform: uppercase;
}

@media (max-width: 980px) {
  .hero-grid, .grid-4, .grid-3, .grid-2, .grid-2-wide,
  .trust-bar, .cta-band, .values, .steps, .audience,
  .footer-grid, .form-grid, .gallery {
    grid-template-columns: 1fr;
  }
  .trust-item, .value { border-right: 0; border-bottom: 1px solid var(--line); }
  .trust-item:last-child, .value:last-child { border-bottom: 0; }
  .nav-toggle { display: inline-flex; }
  .main-nav { display: none; width: 100%; flex-direction: column; gap: .7rem; }
  .main-nav.open { display: flex; }
  .header-inner { flex-wrap: wrap; }
  .hero { padding: 4.2rem 0 3.6rem; }
  .hero h1 { max-width: none; }
  .legal dl { grid-template-columns: 1fr; }
}