/* ============================================
   TERRAVAULT — Institutional Design System
   Inspired by Goldman Sachs / Blackstone / KKR
   Navy: #0A1628 | White: #FAFAF8 | Gold: #9B7B3D
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@300;400;500;600;700;800&family=Playfair+Display:wght@400;500;600&display=swap');

:root {
  --navy:       #0A1628;
  --navy-mid:   #102040;
  --navy-light: #1C3356;
  --gold:       #9B7B3D;
  --gold-light: #B8965A;
  --gold-rule:  #C4A96B;
  --white:      #FAFAF8;
  --off-white:  #F2F1EE;
  --gray-100:   #EAEAE6;
  --gray-200:   #D4D4CE;
  --gray-400:   #9A9A92;
  --gray-600:   #6B6B62;
  --gray-800:   #3A3A33;
  --text:       #1A1A24;
  --font-sans:  'Montserrat', sans-serif;
  --font-serif: 'Playfair Display', serif;
  --transition: all 0.25s ease;
  --shadow-sm:  0 1px 4px rgba(10,22,40,0.08);
  --shadow-md:  0 4px 20px rgba(10,22,40,0.12);
  --shadow-lg:  0 12px 48px rgba(10,22,40,0.16);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  font-family: var(--font-sans);
  background: var(--white);
  color: var(--text);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

/* ── TYPOGRAPHY ── */
h1 { font-family: var(--font-serif); font-weight: 500; font-size: clamp(2.4rem,4.5vw,3.6rem); line-height: 1.15; color: var(--navy); }
h2 { font-family: var(--font-serif); font-weight: 500; font-size: clamp(1.8rem,3vw,2.6rem); line-height: 1.2; color: var(--navy); }
h3 { font-family: var(--font-sans); font-weight: 700; font-size: clamp(1.1rem,2vw,1.4rem); color: var(--navy); }
h4 { font-family: var(--font-sans); font-weight: 600; font-size: 1rem; color: var(--navy); }
p  { color: var(--gray-600); line-height: 1.75; font-size: 0.95rem; }

.text-navy  { color: var(--navy); }
.text-gold  { color: var(--gold); }
.text-white { color: var(--white); }
.text-gray  { color: var(--gray-400); }
.text-center { text-align: center; }

/* ── LAYOUT ── */
.container { max-width: 1140px; margin: 0 auto; padding: 0 32px; }
.section    { padding: 100px 0; }
.section-sm { padding: 72px 0; }
.section-lg { padding: 128px 0; }

/* ── NAVIGATION ── */
nav {
  position: fixed; top: 0; width: 100%; z-index: 1000;
  padding: 28px 0;
  transition: var(--transition);
  background: transparent;
}
nav.scrolled {
  background: rgba(10,22,40,0.97);
  padding: 18px 0;
  border-bottom: 1px solid rgba(155,123,61,0.2);
}
nav.light-nav { background: var(--white); border-bottom: 1px solid var(--gray-100); padding: 20px 0; }
nav.light-nav .nav-logo { color: var(--navy); }
nav.light-nav .nav-logo span { color: var(--gold); }
nav.light-nav .nav-links a { color: var(--gray-600); }
nav.light-nav .nav-links a:hover { color: var(--navy); }
nav.light-nav .nav-cta { background: var(--navy) !important; color: var(--white) !important; }
.nav-inner  { display: flex; align-items: center; justify-content: space-between; }
.nav-logo   { font-family: var(--font-sans); font-size: 1.1rem; font-weight: 800; letter-spacing: 4px; color: var(--white); text-decoration: none; text-transform: uppercase; }
.nav-logo span { color: var(--gold-rule); }
.nav-links  { display: flex; gap: 40px; list-style: none; align-items: center; }
.nav-links a { color: rgba(255,255,255,0.75); text-decoration: none; font-size: 0.78rem; font-weight: 500; letter-spacing: 1.5px; text-transform: uppercase; transition: var(--transition); }
.nav-links a:hover { color: var(--white); }
.nav-cta {
  background: transparent !important;
  color: var(--white) !important;
  border: 1px solid rgba(255,255,255,0.4) !important;
  padding: 10px 24px !important;
  letter-spacing: 1.5px !important;
  transition: var(--transition) !important;
  font-size: 0.75rem !important;
}
.nav-cta:hover { background: var(--white) !important; color: var(--navy) !important; border-color: var(--white) !important; }
.nav-menu-btn { display: none; background: none; border: none; cursor: pointer; padding: 4px; }
.nav-menu-btn span { display: block; width: 22px; height: 1.5px; background: var(--white); margin: 5px 0; transition: var(--transition); }

/* ── HERO ── */
#hero {
  min-height: 100vh;
  background: var(--navy);
  display: flex; align-items: center;
  position: relative; overflow: hidden;
  padding-top: 100px;
}
.hero-texture {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.015) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.015) 1px, transparent 1px);
  background-size: 60px 60px;
}
.hero-gradient {
  position: absolute; bottom: 0; left: 0; right: 0; height: 40%;
  background: linear-gradient(to top, rgba(10,22,40,0.8), transparent);
}
.hero-gold-top { position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, transparent, var(--gold-rule), transparent); }
.hero-content  { position: relative; z-index: 2; max-width: 720px; }
.hero-eyebrow  {
  display: inline-flex; align-items: center; gap: 12px;
  font-size: 0.7rem; font-weight: 600; letter-spacing: 3px; text-transform: uppercase;
  color: var(--gold-rule); margin-bottom: 36px;
}
.hero-eyebrow::before { content: ''; display: block; width: 32px; height: 1px; background: var(--gold-rule); }
#hero h1 { color: var(--white); margin-bottom: 28px; }
#hero h1 em { font-style: italic; color: var(--gold-rule); }
.hero-sub { font-size: 1.05rem; color: rgba(255,255,255,0.6); margin-bottom: 52px; max-width: 560px; line-height: 1.85; font-weight: 300; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 72px; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 16px 36px; font-family: var(--font-sans);
  font-weight: 600; font-size: 0.75rem; letter-spacing: 2px;
  text-transform: uppercase; text-decoration: none;
  border: none; cursor: pointer; transition: var(--transition);
}
.btn-primary { background: var(--white); color: var(--navy); }
.btn-primary:hover { background: var(--off-white); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-outline-white { background: transparent; color: var(--white); border: 1px solid rgba(255,255,255,0.35); }
.btn-outline-white:hover { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.6); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-mid); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-outline-navy { background: transparent; color: var(--navy); border: 1px solid var(--navy); }
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }
.btn-arrow::after { content: '→'; font-size: 1rem; font-weight: 300; }

/* ── HERO STATS ── */
.hero-stats { display: flex; gap: 48px; padding-top: 0; flex-wrap: wrap; }
.hero-divider { width: 100%; height: 1px; background: rgba(255,255,255,0.08); margin-bottom: 40px; }
.hero-stat-val  { display: block; font-size: 2rem; font-weight: 700; color: var(--white); letter-spacing: -0.5px; font-family: var(--font-serif); }
.hero-stat-label { font-size: 0.68rem; color: rgba(255,255,255,0.4); letter-spacing: 2px; text-transform: uppercase; margin-top: 4px; display: block; }

/* ── TRUST BAR ── */
.trust-bar {
  background: var(--off-white);
  border-bottom: 1px solid var(--gray-100);
  padding: 22px 0;
}
.trust-bar-inner { display: flex; align-items: center; justify-content: center; gap: 48px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 8px; font-size: 0.72rem; font-weight: 600; letter-spacing: 1.5px; text-transform: uppercase; color: var(--gray-600); }
.trust-check { color: var(--gold); font-size: 0.7rem; }

/* ── SECTION HEADER ── */
.section-header { margin-bottom: 64px; }
.section-label {
  display: block; font-size: 0.68rem; font-weight: 700;
  letter-spacing: 3px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 20px;
}
.section-rule { width: 40px; height: 2px; background: var(--gold); margin-top: 24px; }
.section-rule.center { margin: 24px auto 0; }

/* ── DIFFERENTIATORS ── */
.diff-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1px; background: var(--gray-100); margin-top: 0; border: 1px solid var(--gray-100); }
.diff-card {
  background: var(--white); padding: 44px 36px;
  transition: var(--transition); position: relative;
}
.diff-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: transparent; transition: var(--transition);
}
.diff-card:hover::before { background: var(--gold); }
.diff-card:hover { background: var(--off-white); }
.diff-number { font-size: 0.65rem; font-weight: 700; letter-spacing: 2px; color: var(--gold); text-transform: uppercase; margin-bottom: 20px; display: block; }
.diff-card h4 { font-size: 1.05rem; margin-bottom: 14px; letter-spacing: -0.2px; }
.diff-card p  { font-size: 0.875rem; line-height: 1.75; }

/* ── COMPARISON TABLE ── */
.comparison-wrap { border: 1px solid var(--gray-100); margin-top: 48px; overflow: hidden; }
.comparison-table { width: 100%; border-collapse: collapse; }
.comparison-table thead tr { background: var(--navy); }
.comparison-table th { padding: 18px 20px; text-align: left; font-size: 0.72rem; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: rgba(255,255,255,0.5); }
.comparison-table th.tv-col { color: var(--gold-rule); border-bottom: 2px solid var(--gold-rule); }
.comparison-table td { padding: 15px 20px; font-size: 0.875rem; color: var(--gray-600); border-bottom: 1px solid var(--gray-100); }
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table tr:nth-child(even) td { background: var(--off-white); }
.comparison-table td.feature { font-weight: 600; color: var(--navy); font-size: 0.85rem; }
.comparison-table td.tv { color: var(--navy); font-weight: 600; }
.comparison-table .yes { color: var(--gold); font-weight: 700; }
.comparison-table .no  { color: var(--gray-200); }
.comparison-table .crisis { color: #B94040; font-size: 0.8rem; }

/* ── HOW IT WORKS ── */
.steps-grid { display: grid; grid-template-columns: repeat(5,1fr); gap: 0; margin-top: 64px; border: 1px solid var(--gray-100); }
.step { padding: 40px 28px; border-right: 1px solid var(--gray-100); position: relative; }
.step:last-child { border-right: none; }
.step-num { font-family: var(--font-serif); font-size: 2.4rem; color: var(--gray-100); font-weight: 400; margin-bottom: 20px; display: block; line-height: 1; }
.step h4 { font-size: 0.9rem; margin-bottom: 12px; }
.step p  { font-size: 0.82rem; line-height: 1.7; }

/* ── PROPERTIES ── */
.properties-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 2px; background: var(--gray-100); border: 1px solid var(--gray-100); margin-top: 48px; }
.property-card { background: var(--white); transition: var(--transition); }
.property-card:hover { background: var(--off-white); }
.property-img {
  height: 220px; background: var(--navy);
  display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden;
}
.property-img-inner {
  width: 100%; height: 100%;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  display: flex; align-items: center; justify-content: center; flex-direction: column; gap: 8px;
}
.property-type-label { font-size: 0.68rem; letter-spacing: 2px; text-transform: uppercase; color: rgba(255,255,255,0.4); }
.property-icon { font-size: 2.8rem; opacity: 0.15; }
.property-badge {
  position: absolute; top: 16px; left: 0;
  background: var(--navy); color: var(--gold-rule);
  font-size: 0.65rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase;
  padding: 6px 16px;
}
.property-badge.live { background: var(--gold); color: var(--navy); }
.property-badge.soon { background: transparent; border: 1px solid rgba(255,255,255,0.2); color: rgba(255,255,255,0.6); }
.property-body { padding: 28px 28px 24px; }
.property-market { font-size: 0.67rem; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 6px; }
.property-name { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-bottom: 24px; font-family: var(--font-serif); font-weight: 500; }
.property-metrics { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; padding-bottom: 20px; border-bottom: 1px solid var(--gray-100); }
.metric-val   { display: block; font-size: 1.15rem; font-weight: 700; color: var(--navy); font-family: var(--font-serif); }
.metric-label { font-size: 0.67rem; color: var(--gray-400); text-transform: uppercase; letter-spacing: 1px; margin-top: 2px; display: block; }
.property-progress { margin-bottom: 18px; }
.progress-meta { display: flex; justify-content: space-between; font-size: 0.72rem; color: var(--gray-400); margin-bottom: 8px; }
.progress-bar { height: 3px; background: var(--gray-100); }
.progress-fill { height: 100%; background: var(--gold); width: 0; transition: width 1.5s ease; }
.property-tags { display: flex; gap: 6px; flex-wrap: wrap; margin-bottom: 20px; }
.tag { font-size: 0.64rem; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; padding: 4px 10px; border: 1px solid var(--gray-200); color: var(--gray-600); }
.property-footer { display: flex; justify-content: space-between; align-items: center; }
.btn-sm { display: inline-block; padding: 10px 20px; font-size: 0.68rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; text-decoration: none; background: var(--navy); color: var(--white); transition: var(--transition); }
.btn-sm:hover { background: var(--navy-mid); }
.btn-sm-outline { display: inline-block; padding: 10px 20px; font-size: 0.68rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; text-decoration: none; border: 1px solid var(--gray-200); color: var(--navy); transition: var(--transition); }
.btn-sm-outline:hover { border-color: var(--navy); }

/* ── STATS STRIP ── */
.stats-strip { background: var(--navy); padding: 72px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 0; }
.stat-item { text-align: center; padding: 0 24px; border-right: 1px solid rgba(255,255,255,0.08); }
.stat-item:last-child { border-right: none; }
.stat-val   { display: block; font-family: var(--font-serif); font-size: 3rem; font-weight: 400; color: var(--white); margin-bottom: 8px; }
.stat-label { font-size: 0.67rem; color: rgba(255,255,255,0.35); letter-spacing: 2.5px; text-transform: uppercase; }
.stat-rule  { width: 32px; height: 1px; background: var(--gold-rule); margin: 12px auto 0; }

/* ── PROTECTION STACK ── */
.protection-grid { display: grid; grid-template-columns: repeat(5,1fr); gap: 0; border: 1px solid var(--gray-100); margin-top: 48px; }
.protection-card { padding: 40px 28px; border-right: 1px solid var(--gray-100); transition: var(--transition); position: relative; }
.protection-card:last-child { border-right: none; }
.protection-card:hover { background: var(--off-white); }
.protection-num { font-family: var(--font-serif); font-size: 2.8rem; color: var(--gray-100); font-weight: 400; display: block; margin-bottom: 20px; line-height: 1; }
.protection-card h4 { font-size: 0.9rem; margin-bottom: 12px; }
.protection-card p { font-size: 0.82rem; line-height: 1.7; }
.protection-gold-line { position: absolute; bottom: 0; left: 0; right: 0; height: 2px; background: transparent; transition: var(--transition); }
.protection-card:hover .protection-gold-line { background: var(--gold); }

/* ── GOVERNANCE ── */
.gov-phases { display: grid; grid-template-columns: repeat(3,1fr); gap: 0; border: 1px solid var(--gray-100); margin-top: 48px; }
.gov-phase { padding: 44px 36px; border-right: 1px solid var(--gray-100); position: relative; }
.gov-phase:last-child { border-right: none; }
.gov-phase.active { background: var(--navy); }
.gov-phase.active h4 { color: var(--white); }
.gov-phase.active p { color: rgba(255,255,255,0.55); }
.gov-phase.active ul li { color: rgba(255,255,255,0.5); }
.gov-phase.active .gov-phase-label { color: var(--gold-rule); }
.gov-phase.active .gov-phase-num { color: rgba(255,255,255,0.1); }
.gov-phase-num { font-family: var(--font-serif); font-size: 5rem; color: var(--gray-100); font-weight: 400; position: absolute; top: 20px; right: 28px; line-height: 1; pointer-events: none; }
.gov-phase-label { font-size: 0.67rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; display: block; }
.gov-phase h4 { font-size: 1.05rem; margin-bottom: 12px; }
.gov-phase p { font-size: 0.85rem; margin-bottom: 20px; line-height: 1.7; }
.gov-phase ul { list-style: none; }
.gov-phase ul li { font-size: 0.82rem; color: var(--gray-400); padding: 5px 0; padding-left: 16px; position: relative; }
.gov-phase ul li::before { content: '—'; position: absolute; left: 0; color: var(--gold); font-size: 0.7rem; }

/* ── IAB ── */
.iab-statement {
  background: var(--navy); padding: 56px 64px;
  border-left: 3px solid var(--gold); margin-bottom: 0;
}
.iab-statement blockquote { font-family: var(--font-serif); font-size: 1.4rem; color: var(--white); font-weight: 400; line-height: 1.7; font-style: italic; }
.iab-statement cite { display: block; margin-top: 20px; font-size: 0.72rem; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--gold-rule); font-style: normal; }
.iab-grid { display: grid; grid-template-columns: repeat(5,1fr); gap: 0; border: 1px solid var(--gray-100); border-top: none; }
.iab-seat { padding: 32px 28px; border-right: 1px solid var(--gray-100); transition: var(--transition); }
.iab-seat:last-child { border-right: none; }
.iab-seat:hover { background: var(--off-white); }
.iab-seat-num { font-family: var(--font-serif); font-size: 0.75rem; color: var(--gold); margin-bottom: 12px; display: block; font-style: italic; }
.iab-seat h4 { font-size: 0.88rem; margin-bottom: 10px; }
.iab-seat p { font-size: 0.8rem; line-height: 1.65; margin-bottom: 16px; }
.iab-status { font-size: 0.62rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); border-top: 1px solid var(--gray-100); padding-top: 14px; display: block; }

/* ── FAQ ── */
.faq-list { margin-top: 48px; border-top: 1px solid var(--gray-100); }
.faq-item { border-bottom: 1px solid var(--gray-100); }
.faq-question {
  width: 100%; text-align: left; background: none; border: none; padding: 26px 0;
  cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  font-family: var(--font-sans); font-size: 0.95rem; font-weight: 600;
  color: var(--navy); transition: var(--transition);
}
.faq-question:hover { color: var(--gold); }
.faq-icon { color: var(--gold); font-size: 1.4rem; font-weight: 300; transition: transform 0.3s ease; flex-shrink: 0; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
.faq-answer-inner { padding: 0 0 26px; }
.faq-answer p { font-size: 0.9rem; line-height: 1.8; }

/* ── CTA ── */
.cta-section { background: var(--navy); padding: 112px 0; }
.cta-section h2 { color: var(--white); margin-bottom: 20px; }
.cta-section p { color: rgba(255,255,255,0.55); font-size: 1rem; margin-bottom: 48px; }
.invest-form { max-width: 480px; }
.form-group { margin-bottom: 12px; }
.form-group input,
.form-group select {
  width: 100%; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.12);
  color: var(--white); padding: 16px 20px; font-family: var(--font-sans);
  font-size: 0.875rem; outline: none; transition: var(--transition);
  -webkit-appearance: none;
}
.form-group input::placeholder { color: rgba(255,255,255,0.3); }
.form-group select option { background: var(--navy); color: var(--white); }
.form-group input:focus,
.form-group select:focus { border-color: rgba(155,123,61,0.6); background: rgba(255,255,255,0.08); }
.cta-terms { display: flex; gap: 0; margin-top: 40px; border-top: 1px solid rgba(255,255,255,0.08); padding-top: 40px; }
.cta-term { flex: 1; padding-right: 32px; border-right: 1px solid rgba(255,255,255,0.08); margin-right: 32px; }
.cta-term:last-child { border-right: none; margin-right: 0; padding-right: 0; }
.cta-term-val { display: block; font-family: var(--font-serif); font-size: 1.6rem; color: var(--white); margin-bottom: 4px; }
.cta-term-label { font-size: 0.67rem; color: rgba(255,255,255,0.35); letter-spacing: 2px; text-transform: uppercase; }

/* ── FOOTER ── */
footer {
  background: #060E1A;
  border-top: 1px solid rgba(255,255,255,0.05);
  padding: 72px 0 40px;
}
.footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 56px; padding-bottom: 56px; border-bottom: 1px solid rgba(255,255,255,0.06); }
.footer-logo { font-size: 1rem; font-weight: 800; letter-spacing: 4px; color: var(--white); text-transform: uppercase; margin-bottom: 16px; display: block; }
.footer-logo span { color: var(--gold-rule); }
.footer-desc { font-size: 0.82rem; color: rgba(255,255,255,0.3); line-height: 1.75; max-width: 260px; }
.footer-col h6 { font-size: 0.65rem; font-weight: 700; letter-spacing: 3px; text-transform: uppercase; color: var(--gold-rule); margin-bottom: 24px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 12px; }
.footer-col ul li a { color: rgba(255,255,255,0.35); text-decoration: none; font-size: 0.83rem; transition: var(--transition); }
.footer-col ul li a:hover { color: rgba(255,255,255,0.7); }
.footer-bottom { display: flex; justify-content: space-between; align-items: flex-start; gap: 32px; flex-wrap: wrap; }
.footer-copy { font-size: 0.75rem; color: rgba(255,255,255,0.2); }
.footer-disc { font-size: 0.68rem; color: rgba(255,255,255,0.15); max-width: 580px; line-height: 1.7; }

/* ── ANIMATIONS ── */
.fade-in { opacity: 0; transform: translateY(20px); transition: opacity 0.6s ease, transform 0.6s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }

/* ── DIVIDER ── */
.gold-rule { width: 100%; height: 1px; background: linear-gradient(90deg, transparent, var(--gold-rule), transparent); margin: 0; }

/* ── MOBILE ── */
@media (max-width: 1024px) {
  .diff-grid { grid-template-columns: repeat(2,1fr); }
  .protection-grid { grid-template-columns: repeat(3,1fr); }
  .protection-card:nth-child(3) { border-right: none; }
  .protection-card:nth-child(4),
  .protection-card:nth-child(5) { border-top: 1px solid var(--gray-100); }
  .iab-grid { grid-template-columns: repeat(3,1fr); }
  .steps-grid { grid-template-columns: repeat(3,1fr); }
}
@media (max-width: 900px) {
  .nav-links { display: none; }
  .nav-menu-btn { display: block; }
  .nav-links.open {
    display: flex; flex-direction: column; position: fixed;
    top: 0; left: 0; right: 0; bottom: 0; background: var(--navy);
    justify-content: center; align-items: center; gap: 32px; z-index: 999;
  }
  .nav-links.open a { font-size: 1.1rem; color: var(--white); }
  .stats-grid { grid-template-columns: repeat(2,1fr); }
  .stat-item { padding: 24px; border-right: none; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .stat-item:nth-child(odd) { border-right: 1px solid rgba(255,255,255,0.08); }
  .properties-grid { grid-template-columns: 1fr; }
  .gov-phases { grid-template-columns: 1fr; }
  .gov-phase { border-right: none; border-bottom: 1px solid var(--gray-100); }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .iab-statement { padding: 36px; }
  .iab-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .container { padding: 0 20px; }
  .section { padding: 72px 0; }
  .diff-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .step { border-right: none; border-bottom: 1px solid var(--gray-100); }
  .protection-grid { grid-template-columns: 1fr; }
  .protection-card { border-right: none; border-bottom: 1px solid var(--gray-100); }
  .footer-top { grid-template-columns: 1fr; }
  .cta-terms { flex-direction: column; }
  .cta-term { border-right: none; margin-right: 0; padding-right: 0; margin-bottom: 24px; border-bottom: 1px solid rgba(255,255,255,0.08); padding-bottom: 24px; }
  .hero-actions { flex-direction: column; }
  .btn { justify-content: center; }
  .iab-grid { grid-template-columns: 1fr; }
  .iab-seat { border-right: none; border-bottom: 1px solid var(--gray-100); }
  .iab-statement blockquote { font-size: 1.1rem; }
}