/* ─────────────────────────────────────────
   ACH Formations — style-v3.css
   Design : Luxury Editorial Minimal
   Typo   : DM Serif Display + Plus Jakarta Sans
   ───────────────────────────────────────── */

:root {
  --ink:    #0A0F1A;
  --navy:   #0E2A47;
  --gold:   #C9971F;
  --gold-l: #E8BE5A;
  --cream:  #F7F3EC;
  --white:  #FFFFFF;
  --smoke:  #F2EEE7;
  --muted:  #7A7570;
  --line:   rgba(10,15,26,.08);
  --red:    #B03A2E;
  --teal:   #0F8B84;
  --orange: #E8691D;
  --coral:  #E85D4E;
  --indigo: #3B50B8;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:'Plus Jakarta Sans',system-ui,sans-serif;background:var(--white);color:var(--ink);overflow-x:hidden;line-height:1.65}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}

/* ── LAYOUT ── */
.wrap{width:min(1160px,calc(100% - 48px));margin-inline:auto}
.s{padding:96px 0}
.s-sm{padding:56px 0}

/* ── TYPOGRAPHY ── */
h1,h2{font-family:'DM Serif Display',Georgia,serif;line-height:1.06;letter-spacing:-.01em}
h3{font-size:1rem;font-weight:700;letter-spacing:-.01em}
p{color:var(--muted);line-height:1.72}

/* ── ANIMATIONS ── */
@keyframes fadeUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:none}}
.reveal{opacity:0;animation:fadeUp .55s ease forwards;animation-play-state:paused}
.reveal[data-d="1"]{animation-delay:.10s}
.reveal[data-d="2"]{animation-delay:.20s}
.reveal[data-d="3"]{animation-delay:.30s}
.reveal[data-d="4"]{animation-delay:.40s}

/* ── LABEL ── */
.label{
  display:inline-flex;align-items:center;gap:7px;
  font-size:11px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--gold);
}
.label::before{content:'';width:18px;height:1.5px;background:var(--gold);flex:0 0 auto}

/* ── BUTTONS ── */
.btn{
  display:inline-flex;align-items:center;gap:7px;
  height:38px;padding:0 18px;border-radius:6px;
  font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;font-weight:600;
  border:none;cursor:pointer;transition:all .18s ease;white-space:nowrap;text-decoration:none;
}
.btn-dark{background:var(--ink);color:var(--white)}
.btn-dark:hover{background:#1a2540;transform:translateY(-1px);box-shadow:0 8px 24px rgba(10,15,26,.22)}
.btn-gold{background:var(--gold);color:var(--white)}
.btn-gold:hover{background:#daa82a;transform:translateY(-1px);box-shadow:0 8px 20px rgba(201,151,31,.30)}
.btn-outline{border:1.5px solid var(--line);color:var(--ink);background:transparent}
.btn-outline:hover{border-color:var(--ink);background:var(--ink);color:var(--white)}
.btn-ghost-light{border:1.5px solid rgba(247,243,236,.28);color:var(--cream);background:transparent}
.btn-ghost-light:hover{background:rgba(247,243,236,.10);transform:translateY(-1px)}
.btn-wa{background:#25D366;color:var(--white)}
.btn-wa:hover{background:#1dba58;transform:translateY(-1px)}
.btn-lg{height:46px;padding:0 24px;font-size:14px}

/* ── TOPBAR ── */
.topbar{background:var(--ink);color:rgba(247,243,236,.58);font-size:12px;font-weight:500;padding:8px 0}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}
.topbar a{color:var(--gold-l)}
.topbar a:hover{color:var(--white)}

/* ── HEADER ── */
header{
  position:sticky;top:0;z-index:200;
  background:rgba(255,255,255,.92);
  backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);
  border-bottom:1px solid var(--line);
}
.nav{height:68px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand-mark{width:42px;height:42px;border-radius:10px;overflow:hidden;flex:0 0 auto;background:transparent}
.brand-text strong{display:block;font-family:'DM Serif Display',serif;font-size:17px;color:var(--navy);line-height:1.1;letter-spacing:-.01em}
.brand-text span{font-size:10.5px;color:var(--gold);font-weight:600;letter-spacing:.04em}
.nav-links{display:flex;align-items:center;gap:2px;list-style:none}
.nav-links a{padding:8px 13px;border-radius:6px;font-size:13px;font-weight:600;color:rgba(10,15,26,.60);transition:.15s ease}
.nav-links a:hover,.nav-links a.active{color:var(--ink);background:var(--smoke)}
.nav-cta{display:flex;align-items:center;gap:8px}

/* ── LOGO BADGE SVG inline ── */
.badge-svg{display:block;width:42px;height:42px}

/* ── PAGE HERO (inner pages) ── */
.page-hero{background:var(--ink);color:var(--cream);padding:72px 0 64px;position:relative;overflow:hidden}
.page-hero::before{
  content:'';position:absolute;inset:0;
  background:
    radial-gradient(ellipse 60% 50% at 5% 0%,rgba(201,151,31,.18) 0%,transparent 55%),
    radial-gradient(ellipse 40% 60% at 95% 100%,rgba(14,42,71,.70) 0%,transparent 55%),
    var(--ink);
}
.page-hero-inner{position:relative;z-index:2}
.breadcrumb{display:flex;align-items:center;gap:8px;margin-bottom:20px;font-size:12px;color:rgba(247,243,236,.40)}
.breadcrumb a{color:rgba(247,243,236,.40);transition:.14s}
.breadcrumb a:hover{color:var(--gold-l)}
.breadcrumb span{color:rgba(247,243,236,.22)}
.page-hero-badge{
  display:inline-flex;align-items:center;gap:8px;
  border:1px solid rgba(201,151,31,.28);background:rgba(201,151,31,.08);
  border-radius:4px;padding:5px 12px;
  font-size:11px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;
  color:var(--gold-l);margin-bottom:22px;
}
.page-hero h1{font-size:clamp(42px,5.5vw,76px);color:var(--white);margin-bottom:18px}
.page-hero-lead{font-size:16px;color:rgba(247,243,236,.66);max-width:640px;margin-bottom:28px;line-height:1.68}
.page-hero-actions{display:flex;gap:10px;flex-wrap:wrap}

/* ── CONTENT LAYOUT ── */
.content-layout{display:grid;grid-template-columns:1fr 340px;gap:56px;align-items:start}
.content-body h2{font-family:'DM Serif Display',serif;font-size:clamp(26px,3vw,40px);color:var(--ink);margin:36px 0 14px;letter-spacing:-.02em}
.content-body h2:first-child{margin-top:0}
.content-body h3{font-size:16px;color:var(--navy);margin:24px 0 10px}
.content-body p{font-size:15px;margin-bottom:16px;color:var(--muted);line-height:1.72}
.content-body ul{list-style:none;display:grid;gap:8px;margin-bottom:20px}
.content-body ul li{display:flex;align-items:flex-start;gap:10px;font-size:14px;color:var(--muted)}
.content-body ul li::before{content:'✓';color:var(--gold);font-weight:700;flex:0 0 auto;margin-top:1px}

/* info cards 2-col */
.info-cards{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:24px 0}
.info-card{background:var(--smoke);border-radius:12px;padding:20px;border:1px solid var(--line)}
.info-card-num{font-family:'DM Serif Display',serif;font-size:34px;color:var(--gold);letter-spacing:-.03em;line-height:1;margin-bottom:7px}
.info-card h3{font-size:14px;color:var(--navy);margin-bottom:5px}
.info-card p{font-size:13px;margin:0}

/* highlight box */
.highlight{background:var(--navy);color:var(--cream);border-radius:14px;padding:24px 28px;margin:24px 0}
.highlight h3{color:var(--gold-l);font-size:16px;margin-bottom:12px;font-weight:700}
.highlight ul{list-style:none;display:grid;gap:7px}
.highlight ul li{display:flex;gap:9px;align-items:flex-start;font-size:14px;color:rgba(247,243,236,.70)}
.highlight ul li::before{content:'→';color:var(--gold);flex:0 0 auto;font-weight:700}

/* notice box */
.notice{border-radius:12px;padding:16px 20px;margin:20px 0;font-size:13px;font-weight:600;line-height:1.55}

/* faq inside content */
.faq-inline{display:flex;flex-direction:column;gap:0;border-radius:12px;overflow:hidden;border:1px solid var(--line);margin-top:32px}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item:last-child{border-bottom:none}
.faq-btn{
  width:100%;display:flex;justify-content:space-between;align-items:center;gap:12px;
  padding:18px 20px;background:var(--white);border:none;cursor:pointer;
  font-family:'Plus Jakarta Sans',sans-serif;font-size:14px;font-weight:600;
  color:var(--ink);text-align:left;transition:background .14s;
}
.faq-btn:hover{background:var(--smoke)}
.faq-icon{width:24px;height:24px;border-radius:50%;border:1.5px solid var(--line);display:grid;place-items:center;font-size:15px;color:var(--muted);flex:0 0 auto;transition:transform .22s,border-color .22s,color .22s}
.faq-item.open .faq-icon{transform:rotate(45deg);border-color:var(--gold);color:var(--gold)}
.faq-body{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-body-inner{padding:0 20px 16px;font-size:13px;color:var(--muted);line-height:1.72;background:var(--white)}
.faq-item.open .faq-body{max-height:280px}

/* ── SIDEBAR ── */
.sidebar-card{background:var(--ink);border-radius:16px;padding:26px;position:sticky;top:88px}
.sidebar-card h3{font-family:'DM Serif Display',serif;font-size:22px;color:var(--white);margin-bottom:18px;line-height:1.1}
.sidebar-card .btn{width:100%;justify-content:center;margin-bottom:8px}
.sidebar-divider{height:1px;background:rgba(247,243,236,.08);margin:16px 0}
.sidebar-meta{display:flex;flex-direction:column;gap:10px}
.sidebar-meta-item{display:flex;gap:10px;align-items:flex-start;font-size:13px}
.sidebar-meta-dot{width:7px;height:7px;border-radius:50%;background:var(--gold);flex:0 0 auto;margin-top:4px}
.sidebar-meta-item strong{display:block;font-size:11px;color:var(--gold-l);text-transform:uppercase;letter-spacing:.05em;font-weight:700}
.sidebar-meta-item span{color:rgba(247,243,236,.62)}
.sidebar-related{background:var(--smoke);border-radius:14px;padding:20px;margin-top:14px;border:1px solid var(--line)}
.sidebar-related h4{font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--navy);margin-bottom:12px;opacity:.7}
.sidebar-related-links{display:flex;flex-direction:column;gap:7px}
.sidebar-related-links a{font-size:13px;font-weight:600;color:var(--navy);padding:9px 12px;background:var(--white);border:1px solid var(--line);border-radius:8px;transition:.14s}
.sidebar-related-links a:hover{border-color:var(--gold);color:var(--gold)}

/* ── CTA BAND ── */
.cta-band{background:var(--gold);padding:52px 0}
.cta-band-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.cta-band h2{font-family:'DM Serif Display',serif;font-size:clamp(24px,3vw,40px);color:var(--ink);letter-spacing:-.02em;line-height:1.1}
.cta-band p{color:rgba(10,15,26,.65);margin-top:7px;font-size:14px}
.cta-band-btns{display:flex;gap:10px;flex-wrap:wrap}

/* ── TICKER ── */
.ticker{background:var(--gold);overflow:hidden;padding:11px 0;font-size:12px;font-weight:700;letter-spacing:.05em;white-space:nowrap;color:var(--ink)}
.ticker-track{display:inline-block;animation:tick 32s linear infinite}
.ticker-track span{margin:0 24px}
@keyframes tick{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* ── FOOTER ── */
footer{background:var(--ink);color:rgba(247,243,236,.50);padding:44px 0 24px}
.footer-inner{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:24px;margin-bottom:32px}
.footer-brand{display:flex;align-items:center;gap:9px;margin-bottom:13px}
.footer-icon{width:34px;height:34px;border-radius:7px;overflow:hidden;flex:0 0 auto}
.footer-icon img,.footer-icon svg{width:100%;height:100%}
.footer-brand strong{font-family:'DM Serif Display',serif;font-size:16px;color:var(--cream)}
.footer-brand em{font-size:10.5px;color:var(--gold);display:block;font-style:normal;font-weight:600}
footer h4{font-size:11px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--cream);margin-bottom:13px;opacity:.65}
.footer-links{display:flex;flex-direction:column;gap:8px}
.footer-links a{font-size:13px;color:rgba(247,243,236,.48);transition:.14s}
.footer-links a:hover{color:var(--gold-l)}
.footer-bottom{border-top:1px solid rgba(247,243,236,.07);padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:12px}

/* ── WA FLOAT ── */
.wa{position:fixed;right:20px;bottom:20px;z-index:300;width:52px;height:52px;border-radius:50%;background:#25D366;color:var(--white);display:grid;place-items:center;box-shadow:0 10px 30px rgba(37,211,102,.28);transition:.2s ease;text-decoration:none}
.wa:hover{transform:translateY(-3px) scale(1.06)}
.wa svg{width:26px;height:26px}

/* ── RESPONSIVE ── */
@media(max-width:1020px){
  .nav-links{display:none}
  .content-layout{grid-template-columns:1fr}
  .sidebar-card{position:static}
  .footer-inner{grid-template-columns:1fr 1fr}
}
@media(max-width:700px){
  .wrap{width:calc(100% - 32px)}
  .topbar{display:none}
  .nav-cta .btn:not(.btn-gold){display:none}
  .s{padding:60px 0}
  .page-hero{padding:52px 0 44px}
  .page-hero h1{font-size:clamp(36px,10vw,52px)}
  .page-hero-actions{flex-direction:column}
  .page-hero-actions .btn{width:100%;justify-content:center}
  .info-cards{grid-template-columns:1fr}
  .cta-band-inner{flex-direction:column;text-align:center}
  .cta-band-btns{width:100%;flex-direction:column}
  .cta-band-btns .btn{width:100%;justify-content:center}
  .footer-inner{grid-template-columns:1fr}
  .faq-inline{border-radius:10px}
}