body {
      box-sizing: border-box;
    }
    
    :root {
      --color-bg: #0F1B2E;
      --color-surface: #1A2F4A;
      --color-text: #FFFFFF;
      --color-primary: #0F1B2E;
      --color-secondary: #FFD700;
    }
    
    * {
      font-family: 'Lato', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    }
    
    .font-display {
      font-family: 'Montserrat', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
      font-weight: 700;
      letter-spacing: -0.5px;
    }
    
    .font-sans {
      font-family: 'Lato', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
      font-weight: 400;
    }
    
    .paper-texture {
      background-image: 
        linear-gradient(90deg, transparent 0%, transparent 50%, rgba(0,0,0,0.01) 50%, rgba(0,0,0,0.01) 100%),
        linear-gradient(rgba(0,0,0,0.02) 1px, transparent 1px);
      background-size: 4px 4px, 100% 80px;
    }
    
    .grid-lines {
      background-image: 
        linear-gradient(rgba(0,0,0,0.03) 1px, transparent 1px),
        linear-gradient(90deg, rgba(0,0,0,0.03) 1px, transparent 1px);
      background-size: 60px 60px;
    }
    
    @keyframes fadeInUp {
      from {
        opacity: 0;
        transform: translateY(20px);
      }
      to {
        opacity: 1;
        transform: translateY(0);
      }
    }
    
    @keyframes lineReveal {
      from {
        width: 0;
      }
      to {
        width: 100%;
      }
    }
    
    @keyframes scrollIndicator {
      0% { height: 0; }
      100% { height: 100%; }
    }
    
    .animate-fade-in {
      animation: fadeInUp 1s ease-out forwards;
    }
    
    .animate-delay-1 { animation-delay: 0.2s; opacity: 0; }
    .animate-delay-2 { animation-delay: 0.4s; opacity: 0; }
    .animate-delay-3 { animation-delay: 0.6s; opacity: 0; }
    .animate-delay-4 { animation-delay: 0.8s; opacity: 0; }
    
    .scroll-indicator-fill {
      animation: scrollIndicator 3s ease-out forwards;
    }
    
    .data-line {
      stroke-dasharray: 1000;
      stroke-dashoffset: 1000;
      animation: drawLine 3s ease-out forwards;
    }
    
    @keyframes drawLine {
      to { stroke-dashoffset: 0; }
    }
    
    .reading-progress {
      transition: width 0.3s ease;
    }
    
    .pull-quote {
      border-left: 2px solid var(--color-secondary);
      padding-left: 1.5rem;
    }
    
    .editorial-column {
      max-width: 680px;
      margin: 0 auto;
    }
    
    .modal-backdrop {
      background: rgba(26, 26, 26, 0.6);
      backdrop-filter: blur(4px);
    }
    
    input:focus, textarea:focus {
      outline: none;
      border-color: var(--color-primary);
    }
    
    .btn-primary {
      background: var(--color-primary);
      color: white;
      transition: all 0.3s ease;
    }
    
    .btn-primary:hover {
      background: #1a2633;
    }
    
    .btn-secondary {
      background: transparent;
      border: 1px solid var(--color-text);
      color: var(--color-text);
      transition: all 0.3s ease;
    }
    
    .btn-secondary:hover {
      background: var(--color-text);
      color: var(--color-bg);
    }
    
    .vertical-text {
      writing-mode: vertical-rl;
      text-orientation: mixed;
    }
    
    .ambient-motion {
      background: linear-gradient(135deg, var(--color-bg) 0%, #F5F4F1 50%, var(--color-bg) 100%);
      background-size: 200% 200%;
      animation: ambientShift 15s ease infinite;
    }
    
    @keyframes ambientShift {
      0%, 100% { background-position: 0% 50%; }
      50% { background-position: 100% 50%; }
    }
    
    .card-hover {
      transition: all 0.4s ease;
    }
    
    .card-hover:hover {
      transform: translateY(-4px);
      box-shadow: 0 20px 40px rgba(0,0,0,0.08);
    }
    
    ::-webkit-scrollbar {
      width: 6px;
    }
    
    ::-webkit-scrollbar-track {
      background: var(--color-bg);
    }
    
    ::-webkit-scrollbar-thumb {
      background: var(--color-secondary);
      border-radius: 3px;
    }
  .vertical-text {
    writing-mode: vertical-rl;
    text-orientation: mixed;
  }
  
  .card-hover {
    transition: all 0.3s ease;
  }
  
  .card-hover:hover {
    transform: translateY(-4px);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
  }
  
  .ambient-motion {
    animation: ambientShift 20s ease-in-out infinite alternate;
  }
  
  @keyframes ambientShift {
    0% { background-position: 0% 0%; }
    100% { background-position: 100% 100%; }
  }
  
  .scroll-indicator-fill {
    height: 0%;
    animation: scrollFill 2s ease-in-out infinite alternate;
  }
  
  @keyframes scrollFill {
    0% { height: 0%; }
    100% { height: 100%; }
  }
  
  .editorial-column {
    column-width: 300px;
    column-gap: 3rem;
  }
  
  @media (max-width: 1024px) {
    .editorial-column {
      column-width: auto;
      column-count: 1;
    }
  }
  .vertical-text {
    writing-mode: vertical-rl;
    text-orientation: mixed;
  }
  
  .card-hover {
    transition: all 0.3s ease;
  }
  
  .card-hover:hover {
    transform: translateY(-4px);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
  }
  
  .ambient-motion {
    animation: ambientShift 20s ease-in-out infinite alternate;
  }
  
  @keyframes ambientShift {
    0% { background-position: 0% 0%; }
    100% { background-position: 100% 100%; }
  }
  
  .scroll-indicator-fill {
    height: 0%;
    animation: scrollFill 2s ease-in-out infinite alternate;
  }
  
  @keyframes scrollFill {
    0% { height: 0%; }
    100% { height: 100%; }
  }
  
  .editorial-column {
    column-width: 300px;
    column-gap: 3rem;
  }
  
  @media (max-width: 1024px) {
    .editorial-column {
      column-width: auto;
      column-count: 1;
    }
  }
  .card-hover {
    transition: all 0.3s ease;
  }
  
  .card-hover:hover {
    transform: translateY(-4px);
    box-shadow: 0 10px 30px rgba(139, 115, 85, 0.1);
  }
/* ===== Investigation Full-Width Section ===== */
.investigation-full {
  position: relative;
}

/* Desktop expansion */
@media (min-width: 1024px) {
  .investigation-full {
    width: 100vw;
    margin-left: calc(-50vw + 50%);
    padding: 6rem 0;
  }
}

/* Background treatment */
.investigation-full::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(
      to right,
      #FAF9F6 0%,
      #FAF9F6 70%,
      rgba(250,249,246,0.85) 100%
    );
  z-index: -1;
}

/* Keep content readable */
.investigation-full .max-w-4xl {
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

/* Desktop breathing room */
@media (min-width: 1024px) {
  .investigation-full .max-w-4xl {
    padding-left: 0;
    padding-right: 0;
  }
}

/* Card polish */
.investigation-full .bg-\[\#FAF9F6\] {
  box-shadow: 0 40px 120px rgba(0,0,0,0.06);
}

/* Subtle seriousness */
.investigation-full h2 {
  transition: letter-spacing 0.4s ease;
}

.investigation-full h2:hover {
  letter-spacing: 0.04em;
}
/* ===== Risk & Strategy Full Width ===== */
.strategy-full {
  position: relative;
}

/* Desktop breakout */
@media (min-width: 1024px) {
  .strategy-full {
    width: 100vw;
    margin-left: calc(-50vw + 50%);
    padding: 6rem 0;
  }
}

/* Calm analytical background */
.strategy-full::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(
      to left,
      #FAF9F6 0%,
      rgba(250,249,246,0.95) 60%,
      rgba(250,249,246,0.8) 100%
    );
  z-index: -1;
}

/* Keep reading width disciplined */
.strategy-full .max-w-4xl {
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

@media (min-width: 1024px) {
  .strategy-full .max-w-4xl {
    padding-left: 0;
    padding-right: 0;
  }
}

/* Grid refinement */
.strategy-full .grid {
  align-items: flex-start;
}

/* Headline authority */
.strategy-full h2 {
  transition:
    letter-spacing 0.4s ease,
    color 0.4s ease;
}

.strategy-full h2:hover {
  letter-spacing: 0.03em;
}

/* Bullet dots feel intentional */
.strategy-full .w-2.h-2 {
  box-shadow: 0 0 0 2px rgba(139,115,85,0.2);
}

/* Insight card elevation */
.strategy-full .bg-\[\#FAF9F6\] {
  box-shadow: 0 30px 90px rgba(0,0,0,0.06);
}

/* Mobile untouched */
/* ===== Philosophy Section ===== */
.philosophy-focus {
  position: relative;
}

/* Desktop breathing room (not full-width) */
@media (min-width: 1024px) {
  .philosophy-focus {
    padding: 7rem 0;
  }
}

/* Subtle contemplative background */
.philosophy-focus::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(
      circle at 50% 20%,
      rgba(139,115,85,0.06),
      transparent 60%
    );
  z-index: -1;
}

/* Preserve reading discipline */
.philosophy-focus .max-w-3xl {
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

@media (min-width: 1024px) {
  .philosophy-focus .max-w-3xl {
    padding-left: 0;
    padding-right: 0;
  }
}

/* Body text cadence */
.philosophy-focus p {
  line-height: 1.85;
}

/* Quote block refinement */
.philosophy-focus .bg-\[\#FAF9F6\] {
  position: relative;
  padding: 2rem 2.5rem;
  box-shadow: 0 20px 60px rgba(0,0,0,0.05);
}

/* Quote accent line depth */
.philosophy-focus .bg-\[\#FAF9F6\]::before {
  content: "“";
  position: absolute;
  left: -1.5rem;
  top: -1rem;
  font-family: serif;
  font-size: 4rem;
  color: rgba(139,115,85,0.25);
}

/* Attribution calm authority */
.philosophy-focus .text-sm {
  letter-spacing: 0.05em;
}
/* ===== Editorial Level Card ===== */
.level-card {
  position: relative;
  background: #fff;
  transition:
    border-color 0.4s ease,
    transform 0.4s ease,
    box-shadow 0.4s ease;
}

/* Subtle paper depth */
.level-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    180deg,
    rgba(0,0,0,0.02),
    transparent 35%
  );
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.4s ease;
}

/* Hover = elevation, not aggression */
@media (hover: hover) {
  .level-card:hover {
    border-color: #8B7355;
    transform: translateY(-4px);
    box-shadow: 0 30px 80px rgba(0,0,0,0.08);
  }

  .level-card:hover::after {
    opacity: 1;
  }
}

/* Section label authority */
.level-card .font-sans {
  letter-spacing: 0.28em;
}

/* Title weight & calm */
.level-card h3 {
  line-height: 1.4;
}

/* List rhythm */
.level-card ul li {
  transition: transform 0.35s ease;
}

@media (hover: hover) {
  .level-card:hover ul li {
    transform: translateX(4px);
  }
}

/* Icon restraint */
.level-card svg {
  opacity: 0.8;
  transition: opacity 0.3s ease;
}

.level-card:hover svg {
  opacity: 1;
}
/* ================================
   LOAN MODAL — EDITORIAL STYLE
================================ */

.loan-modal {
  position: fixed;
  inset: 0;
  background: rgba(11,18,32,0.92);
  display: flex;
  justify-content: center;
  align-items: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.4s ease;
  z-index: 9999;
}

.loan-modal.active {
  opacity: 1;
  pointer-events: all;
}

.loan-modal-content {
  background: #fff;
  color: #111;
  max-width: 860px;
  width: 90%;
  max-height: 85vh;
  overflow-y: auto;
  padding: 4rem;
  position: relative;
}

.loan-close {
  position: absolute;
  top: 2rem;
  right: 2rem;
  font-size: 1.2rem;
  opacity: 0.5;
  transition: opacity 0.2s;
}

.loan-close:hover {
  opacity: 1;
}

.loan-body p {
  margin-bottom: 1.5rem;
  line-height: 1.8;
}

.loan-body h3 {
  font-family: serif;
  margin: 2.5rem 0 1rem;
  font-size: 1.3rem;
}

.loan-body ul {
  margin-left: 1.25rem;
  list-style: disc;
}

.loan-body blockquote {
  margin: 3rem 0;
  padding-left: 2rem;
  border-left: 4px solid #8B7355;
  font-style: italic;
}