:root {
    --black: #080A0F;
    --navy: #1C2B4A;
    --blue: #4169A8;
    --blue-light: #5B84C4;
    --blue-muted: #2A3F6B;
    --white: #FFFFFF;
    --off-white: #E8EDF5;
    --gray: #B8C4D4;
    --gray-dark: #1A1F2B;
    --gray-mid: #252B38;
    --gold: #C8A96E;
    --gold-light: #E2C98A;
  }

  * { margin: 0; padding: 0; box-sizing: border-box; }

  html { scroll-behavior: smooth; }

  body {
    font-family: 'Montserrat', sans-serif;
    background: var(--black);
    color: var(--white);
    overflow-x: hidden;
  }

  /* ── NAV ── */
  nav {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    padding: 0 5%;
    height: 80px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: rgba(8,10,15,0.92);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(65,105,168,0.2);
    transition: all 0.3s ease;
  }
  nav.scrolled {
    height: 68px;
    background: rgba(8,10,15,0.98);
  }
  .nav-logo img {
    height: 52px;
    width: auto;
  }
  .nav-links {
    display: flex;
    gap: 2.5rem;
    list-style: none;
    align-items: center;
  }
  .nav-links a {
    color: var(--off-white);
    text-decoration: none;
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    transition: color 0.2s;
    position: relative;
    padding-bottom: 4px;
  }
  .nav-links a::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0;
    width: 0; height: 1px;
    background: var(--blue-light);
    transition: width 0.3s ease;
  }
  .nav-links a:hover { color: var(--blue-light); }
  .nav-links a:hover::after { width: 100%; }
  .nav-cta {
    background: var(--blue);
    color: var(--white) !important;
    padding: 10px 22px !important;
    border-radius: 2px;
    letter-spacing: 0.1em !important;
    transition: background 0.2s !important;
  }
  .nav-cta:hover { background: var(--blue-light) !important; }
  .nav-cta::after { display: none !important; }
  .hamburger { display: none; cursor: pointer; flex-direction: column; gap: 5px; }
  .hamburger span { display: block; width: 24px; height: 2px; background: var(--white); transition: all 0.3s; }

  /* ── HERO ── */
  .hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    padding: 120px 5% 80px;
  }
  .hero-video-wrap {
    position: absolute;
    inset: 0;
    z-index: 0;
    overflow: hidden;
    background: #080A0F;
  }
  .hero-video-wrap iframe {
    position: absolute;
    top: 50%;
    left: 50%;
    width: 100vw;
    height: 56.25vw; /* 16:9 ratio */
    min-height: 100vh;
    min-width: 177.78vh; /* 16:9 ratio */
    transform: translate(-50%, -50%);
    pointer-events: none;
  }
  .hero-video-overlay {
    position: absolute;
    inset: 0;
    z-index: 1;
    background:
      linear-gradient(135deg, rgba(8,10,15,0.82) 0%, rgba(8,10,15,0.55) 50%, rgba(8,10,15,0.75) 100%);
  }
  .hero-grid-overlay {
    position: absolute;
    inset: 0;
    background-image:
      linear-gradient(rgba(65,105,168,0.04) 1px, transparent 1px),
      linear-gradient(90deg, rgba(65,105,168,0.04) 1px, transparent 1px);
    background-size: 60px 60px;
    mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 30%, transparent 100%);
  }
  .hero-content {
    position: relative;
    z-index: 3;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
    max-width: 1280px;
    margin: 0 auto;
    width: 100%;
  }
  .hero-left { }
  .hero-eyebrow {
    font-size: 0.7rem;
    letter-spacing: 0.25em;
    text-transform: uppercase;
    color: var(--blue-light);
    font-weight: 600;
    margin-bottom: 1.5rem;
    display: flex;
    align-items: center;
    gap: 12px;
  }
  .hero-eyebrow::before {
    content: '';
    display: block;
    width: 40px;
    height: 1px;
    background: var(--blue-light);
  }
  .hero-headline {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(3rem, 5vw, 5.5rem);
    font-weight: 300;
    line-height: 1.05;
    letter-spacing: -0.01em;
    margin-bottom: 1.5rem;
    color: var(--white);
  }
  .hero-headline em {
    font-style: italic;
    color: var(--blue-light);
  }
  .hero-sub {
    font-size: 0.95rem;
    color: var(--gray);
    line-height: 1.8;
    max-width: 480px;
    margin-bottom: 2.5rem;
    font-weight: 300;
  }
  .hero-actions {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
  }
  .btn-primary {
    background: var(--blue);
    color: var(--white);
    padding: 15px 32px;
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    text-decoration: none;
    border-radius: 2px;
    transition: all 0.2s;
    border: 1px solid var(--blue);
    display: inline-block;
  }
  .btn-primary:hover { background: var(--blue-light); border-color: var(--blue-light); }
  .btn-outline {
    background: transparent;
    color: var(--white);
    padding: 15px 32px;
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    text-decoration: none;
    border-radius: 2px;
    border: 1px solid rgba(255,255,255,0.25);
    transition: all 0.2s;
    display: inline-block;
  }
  .btn-outline:hover { border-color: var(--blue-light); color: var(--blue-light); }
  .hero-right {
    display: flex;
    justify-content: center;
    align-items: flex-end;
    position: relative;
  }
  .hero-photo-wrap {
    position: relative;
  }
  .hero-photo-wrap::before {
    content: '';
    position: absolute;
    inset: -2px;
    background: linear-gradient(145deg, var(--blue) 0%, transparent 50%, var(--blue-muted) 100%);
    border-radius: 4px;
    z-index: 0;
  }
  .hero-photo-wrap::after {
    content: '';
    position: absolute;
    bottom: -20px; right: -20px;
    width: 100%; height: 100%;
    border: 1px solid rgba(65,105,168,0.3);
    border-radius: 4px;
    z-index: 0;
  }
  .hero-photo {
    position: relative;
    z-index: 1;
    width: 380px;
    max-width: 100%;
    border-radius: 3px;
    display: block;
    filter: grayscale(10%) contrast(1.05);
  }
  .hero-badge {
    position: absolute;
    bottom: 24px;
    left: -32px;
    background: var(--gray-dark);
    border: 1px solid rgba(65,105,168,0.3);
    padding: 16px 20px;
    border-radius: 4px;
    z-index: 2;
    backdrop-filter: blur(10px);
  }
  .hero-badge .badge-num {
    font-family: 'Cormorant Garamond', serif;
    font-size: 2rem;
    font-weight: 700;
    color: var(--blue-light);
    line-height: 1;
  }
  .hero-badge .badge-label {
    font-size: 0.62rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gray);
    margin-top: 4px;
  }

  /* ── SEARCH BAR ── */
  .search-section {
    background: var(--gray-dark);
    border-top: 1px solid rgba(65,105,168,0.2);
    border-bottom: 1px solid rgba(65,105,168,0.2);
    padding: 2rem 5%;
  }
  .search-inner {
    max-width: 1280px;
    margin: 0 auto;
  }
  .search-label {
    font-size: 0.65rem;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--blue-light);
    margin-bottom: 1rem;
    font-weight: 600;
  }
  .search-bar {
    display: flex;
    gap: 0;
    border: 1px solid rgba(65,105,168,0.4);
    border-radius: 3px;
    overflow: hidden;
    background: rgba(255,255,255,0.03);
  }
  .search-bar input {
    flex: 1;
    background: transparent;
    border: none;
    padding: 16px 20px;
    color: var(--white);
    font-family: 'Montserrat', sans-serif;
    font-size: 0.9rem;
    outline: none;
  }
  .search-bar input::placeholder { color: var(--gray); }
  .search-bar select {
    background: rgba(65,105,168,0.15);
    border: none;
    border-left: 1px solid rgba(65,105,168,0.3);
    padding: 0 16px;
    color: var(--off-white);
    font-family: 'Montserrat', sans-serif;
    font-size: 0.8rem;
    outline: none;
    cursor: pointer;
  }
  .search-bar select option { background: var(--navy); }
  .search-btn {
    background: var(--blue);
    border: none;
    padding: 0 28px;
    color: var(--white);
    font-family: 'Montserrat', sans-serif;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    cursor: pointer;
    transition: background 0.2s;
    display: flex;
    align-items: center;
    gap: 8px;
  }
  .search-btn:hover { background: var(--blue-light); }
  .search-quick {
    display: flex;
    gap: 1rem;
    margin-top: 0.75rem;
    flex-wrap: wrap;
  }
  .search-quick a {
    font-size: 0.7rem;
    color: var(--gray);
    text-decoration: none;
    letter-spacing: 0.05em;
    transition: color 0.2s;
  }
  .search-quick a:hover { color: var(--blue-light); }
  .search-quick span { color: rgba(255,255,255,0.1); }

  /* ── MARKET DATA STRIP ── */
  .market-strip {
    padding: 1.25rem 5%;
    background: var(--gray-mid);
    border-bottom: 1px solid rgba(255,255,255,0.05);
    overflow: hidden;
  }
  .market-strip-inner {
    max-width: 1280px;
    margin: 0 auto;
    display: flex;
    gap: 0;
    align-items: center;
    overflow-x: auto;
    scrollbar-width: none;
  }
  .market-strip-inner::-webkit-scrollbar { display: none; }
  .market-item {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 0 24px;
    border-right: 1px solid rgba(255,255,255,0.08);
    white-space: nowrap;
    flex-shrink: 0;
  }
  .market-item:first-child { padding-left: 0; }
  .market-item:last-child { border-right: none; }
  .market-item-label {
    font-size: 0.65rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gray);
    font-weight: 600;
  }
  .market-item-value {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--white);
  }
  .market-item-change {
    font-size: 0.68rem;
    font-weight: 600;
    padding: 2px 6px;
    border-radius: 2px;
  }
  .up { color: #4CAF79; background: rgba(76,175,121,0.12); }
  .down { color: #E05555; background: rgba(224,85,85,0.12); }
  .neutral { color: var(--gray); background: rgba(255,255,255,0.05); }

  /* ── SECTION COMMONS ── */
  section { padding: 90px 5%; }
  .section-inner { max-width: 1280px; margin: 0 auto; }
  .section-eyebrow {
    font-size: 0.65rem;
    letter-spacing: 0.25em;
    text-transform: uppercase;
    color: var(--blue-light);
    font-weight: 600;
    margin-bottom: 1rem;
    display: flex;
    align-items: center;
    gap: 12px;
  }
  .section-eyebrow::before {
    content: '';
    display: block;
    width: 30px;
    height: 1px;
    background: var(--blue-light);
  }
  .section-title {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(2.2rem, 3.5vw, 3.5rem);
    font-weight: 300;
    line-height: 1.1;
    margin-bottom: 1rem;
  }
  .section-sub {
    font-size: 0.9rem;
    color: var(--gray);
    line-height: 1.8;
    max-width: 560px;
    font-weight: 300;
  }

  /* ── HOME VALUES ── */
  .home-values { background: var(--black); }
  .hv-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: 3rem;
    gap: 2rem;
    flex-wrap: wrap;
  }
  .hv-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5px;
    background: rgba(65,105,168,0.15);
    border-radius: 4px;
    overflow: hidden;
  }
  .hv-card {
    background: var(--gray-dark);
    padding: 2.5rem 2rem;
    position: relative;
    overflow: hidden;
    transition: background 0.3s;
  }
  .hv-card:hover { background: var(--gray-mid); }
  .hv-card::after {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 2px;
    background: linear-gradient(90deg, var(--blue) 0%, var(--blue-light) 100%);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
  }
  .hv-card:hover::after { transform: scaleX(1); }
  .hv-city {
    font-size: 0.65rem;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--gray);
    font-weight: 600;
    margin-bottom: 0.75rem;
  }
  .hv-price {
    font-family: 'Cormorant Garamond', serif;
    font-size: 2.5rem;
    font-weight: 600;
    color: var(--white);
    line-height: 1;
    margin-bottom: 0.5rem;
  }
  .hv-change {
    font-size: 0.75rem;
    font-weight: 600;
    display: flex;
    align-items: center;
    gap: 6px;
    margin-bottom: 1.5rem;
  }
  .hv-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    border-top: 1px solid rgba(255,255,255,0.06);
    padding-top: 1.5rem;
  }
  .hv-stat-label {
    font-size: 0.6rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gray);
    margin-bottom: 0.25rem;
  }
  .hv-stat-val {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--off-white);
  }
  .hv-updated {
    font-size: 0.65rem;
    color: var(--gray);
    margin-top: 1.5rem;
    text-align: right;
    font-style: italic;
  }

  /* ── ASSET PRICES ── */
  .assets { background: var(--gray-dark); }
  .assets-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1px;
    background: rgba(65,105,168,0.1);
    margin-top: 3rem;
    border-radius: 4px;
    overflow: hidden;
  }
  .asset-card {
    background: var(--black);
    padding: 2rem 1.75rem;
    transition: background 0.3s;
    position: relative;
  }
  .asset-card:hover { background: var(--gray-mid); }
  .asset-icon {
    font-size: 1.5rem;
    margin-bottom: 1rem;
  }
  .asset-name {
    font-size: 0.65rem;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--gray);
    font-weight: 600;
    margin-bottom: 0.5rem;
  }
  .asset-price {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.8rem;
    font-weight: 600;
    color: var(--white);
    margin-bottom: 0.4rem;
  }
  .asset-change { font-size: 0.75rem; font-weight: 600; }
  .asset-sub { font-size: 0.7rem; color: var(--gray); margin-top: 0.5rem; }
  .asset-loading { color: var(--gray); font-size: 0.8rem; font-style: italic; }

  /* ── MORTGAGE RATES ── */
  .rates { background: var(--black); }
  .rates-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
    margin-top: 3rem;
  }
  .rate-card {
    background: var(--gray-dark);
    border: 1px solid rgba(65,105,168,0.15);
    border-radius: 4px;
    padding: 2rem;
    position: relative;
    transition: border-color 0.3s;
  }
  .rate-card:hover { border-color: rgba(65,105,168,0.4); }
  .rate-card.featured {
    border-color: var(--blue);
    background: rgba(65,105,168,0.08);
  }
  .rate-type {
    font-size: 0.65rem;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--gray);
    font-weight: 600;
    margin-bottom: 1rem;
  }
  .rate-number {
    font-family: 'Cormorant Garamond', serif;
    font-size: 3rem;
    font-weight: 600;
    color: var(--white);
    line-height: 1;
    margin-bottom: 0.25rem;
  }
  .rate-number span { font-size: 1.5rem; color: var(--blue-light); }
  .rate-apr { font-size: 0.75rem; color: var(--gray); margin-bottom: 1.5rem; }
  .rate-desc { font-size: 0.9rem; color: var(--off-white); line-height: 1.6; }
  .rate-cta {
    display: block;
    margin-top: 1.5rem;
    text-align: center;
    padding: 10px;
    border: 1px solid rgba(65,105,168,0.4);
    border-radius: 2px;
    font-size: 0.7rem;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    font-weight: 600;
    color: var(--blue-light);
    text-decoration: none;
    transition: all 0.2s;
  }
  .rate-cta:hover { background: var(--blue); color: var(--white); border-color: var(--blue); }
  .rates-disclaimer { font-size: 0.65rem; color: var(--gray); margin-top: 1.5rem; font-style: italic; }

  /* ── ABOUT ── */
  .about { background: var(--gray-dark); }
  .about-grid {
    display: grid;
    grid-template-columns: 1fr 1.4fr;
    gap: 5rem;
    align-items: center;
  }
  .about-photo-wrap {
    position: relative;
  }
  .about-photo-wrap::before {
    content: '';
    position: absolute;
    top: 20px; left: 20px;
    right: -20px; bottom: -20px;
    border: 1px solid rgba(65,105,168,0.3);
    border-radius: 4px;
  }
  .about-photo {
    width: 100%;
    border-radius: 3px;
    position: relative;
    z-index: 1;
    display: block;
  }
  .about-credentials {
    display: flex;
    gap: 0;
    margin-top: 2rem;
    background: var(--black);
    border-radius: 3px;
    overflow: hidden;
    border: 1px solid rgba(65,105,168,0.15);
  }
  .cred-item {
    flex: 1;
    padding: 1.25rem 1rem;
    text-align: center;
    border-right: 1px solid rgba(65,105,168,0.15);
  }
  .cred-item:last-child { border-right: none; }
  .cred-num {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--blue-light);
    line-height: 1;
  }
  .cred-label {
    font-size: 0.58rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gray);
    margin-top: 4px;
  }
  .about-right { }
  .about-title {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(2rem, 3vw, 3.2rem);
    font-weight: 300;
    line-height: 1.1;
    margin-bottom: 1.5rem;
  }
  .about-bio {
    font-size: 0.88rem;
    color: var(--gray);
    line-height: 1.9;
    font-weight: 300;
    margin-bottom: 1.5rem;
  }
  .about-bio strong { color: var(--off-white); font-weight: 500; }
  .about-dre {
    font-size: 0.65rem;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--blue-light);
    border: 1px solid rgba(65,105,168,0.3);
    display: inline-block;
    padding: 6px 14px;
    border-radius: 2px;
    margin-bottom: 2rem;
  }
  .about-contact-strip {
    display: flex;
    gap: 2rem;
    flex-wrap: wrap;
  }
  .about-contact-item {
    display: flex;
    flex-direction: column;
    gap: 4px;
  }
  .about-contact-label {
    font-size: 0.6rem;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--gray);
  }
  .about-contact-value {
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--white);
    text-decoration: none;
    transition: color 0.2s;
  }
  .about-contact-value:hover { color: var(--blue-light); }

  /* ── WHY HENDERSON ── */
  .why { background: var(--black); }
  .why-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    margin-top: 3rem;
  }
  .why-card {
    padding: 2.5rem 2rem;
    border: 1px solid rgba(65,105,168,0.12);
    border-radius: 4px;
    transition: border-color 0.3s, transform 0.3s;
    background: var(--gray-dark);
  }
  .why-card:hover {
    border-color: rgba(65,105,168,0.4);
    transform: translateY(-4px);
  }
  .why-icon {
    width: 48px;
    height: 48px;
    background: rgba(65,105,168,0.1);
    border: 1px solid rgba(65,105,168,0.3);
    border-radius: 3px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    margin-bottom: 1.5rem;
  }
  .why-title {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.4rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
  }
  .why-desc {
    font-size: 0.82rem;
    color: var(--gray);
    line-height: 1.8;
    font-weight: 300;
  }

  /* ── CTA BANNER ── */
  .cta-banner {
    background: linear-gradient(135deg, var(--navy) 0%, var(--blue-muted) 50%, var(--navy) 100%);
    padding: 80px 5%;
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  .cta-banner::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
      linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
      linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
    background-size: 40px 40px;
  }
  .cta-banner-inner { position: relative; z-index: 1; max-width: 700px; margin: 0 auto; }
  .cta-banner h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(2.2rem, 4vw, 3.5rem);
    font-weight: 300;
    margin-bottom: 1rem;
  }
  .cta-banner p { color: var(--off-white); margin-bottom: 2rem; font-size: 0.9rem; opacity: 0.8; }
  .cta-btns { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

  /* ── FOOTER ── */
  footer {
    background: #050709;
    border-top: 1px solid rgba(65,105,168,0.15);
    padding: 60px 5% 30px;
  }
  .footer-grid {
    max-width: 1280px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 3rem;
    margin-bottom: 3rem;
  }
  .footer-brand img { height: 50px; margin-bottom: 1.25rem; }
  .footer-brand p {
    font-size: 0.8rem;
    color: var(--gray);
    line-height: 1.8;
    max-width: 280px;
  }
  .footer-social {
    display: flex;
    gap: 0.75rem;
    margin-top: 1.5rem;
  }
  .social-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    border: 1px solid rgba(65,105,168,0.3);
    border-radius: 2px;
    color: var(--gray);
    text-decoration: none;
    font-size: 0.85rem;
    transition: all 0.2s;
  }
  .social-btn:hover { border-color: var(--blue-light); color: var(--blue-light); }
  .footer-col h4 {
    font-size: 0.65rem;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--blue-light);
    font-weight: 600;
    margin-bottom: 1.25rem;
  }
  .footer-col ul { list-style: none; }
  .footer-col ul li { margin-bottom: 0.6rem; }
  .footer-col ul li a {
    color: var(--gray);
    text-decoration: none;
    font-size: 0.82rem;
    transition: color 0.2s;
  }
  .footer-col ul li a:hover { color: var(--white); }
  .footer-bottom {
    max-width: 1280px;
    margin: 0 auto;
    padding-top: 2rem;
    border-top: 1px solid rgba(255,255,255,0.05);
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
  }
  .footer-bottom p { font-size: 0.7rem; color: var(--gray); }
  .cb-logo-wrap {
    display: flex;
    align-items: center;
    gap: 1rem;
  }
  .cb-logo-wrap img { height: 32px; opacity: 0.7; filter: brightness(0.8); }

  /* ── LOADING SPINNER ── */
  .spinner {
    display: inline-block;
    width: 14px; height: 14px;
    border: 2px solid rgba(65,105,168,0.3);
    border-top-color: var(--blue-light);
    border-radius: 50%;
    animation: spin 0.8s linear infinite;
    vertical-align: middle;
  }
  @keyframes spin { to { transform: rotate(360deg); } }

  /* ── MOBILE NAV ── */
  .mobile-nav {
    display: none;
    position: fixed;
    top: 80px; left: 0; right: 0;
    background: rgba(8,10,15,0.98);
    border-bottom: 1px solid rgba(65,105,168,0.2);
    padding: 1.5rem 5%;
    z-index: 999;
    flex-direction: column;
    gap: 1.25rem;
  }
  .mobile-nav.open { display: flex; }
  .mobile-nav a {
    color: var(--off-white);
    text-decoration: none;
    font-size: 0.85rem;
    font-weight: 500;
    letter-spacing: 0.08em;
    padding: 0.5rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.05);
  }

  /* ── RESPONSIVE ── */
  @media (max-width: 1024px) {
    .hero-content { grid-template-columns: 1fr; }
    .hero-right { display: none; }
    .hv-grid { grid-template-columns: repeat(2, 1fr); }
    .about-grid { grid-template-columns: 1fr; }
    .about-photo-wrap { max-width: 400px; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
  }
  @media (max-width: 768px) {
    .nav-links { display: none; }
    .hamburger { display: flex; }
    .hv-grid { grid-template-columns: 1fr; }
    .assets-grid { grid-template-columns: 1fr 1fr; }
    .rates-grid { grid-template-columns: 1fr; }
    .why-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .search-bar { flex-direction: column; }
    .search-bar select { border-left: none; border-top: 1px solid rgba(65,105,168,0.3); padding: 12px 16px; }
    .search-btn { padding: 14px; }
  }

  /* ── FADE IN ANIMATIONS ── */
  .fade-up {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.7s ease, transform 0.7s ease;
  }
  .fade-up.visible {
    opacity: 1;
    transform: translateY(0);
  }