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

  :root {
    --silver: #9EA8B4;
    --silver-light: #C2CBD4;
    --silver-pale: #E8ECF0;
    --silver-bright: #D4DBE3;
    --navy: #0A1628;
    --navy-mid: #111F35;
    --navy-light: #192C47;
    --navy-accent: #1E3454;
    --cream: #F0F2F5;
    --text-body: #D0D8E4;
    --text-muted: #7A8FA8;
    --border: rgba(162,179,196,0.2);
    --border-strong: rgba(162,179,196,0.35);
  }

  html { scroll-behavior: smooth; }

  body {
    font-family: 'Montserrat', sans-serif;
    background: var(--navy);
    color: var(--text-body);
    line-height: 1.7;
    font-size: 14px;
    font-weight: 300;
  }

  h1, h2, h3, h4 { font-family: 'Cormorant Garamond', serif; font-weight: 400; color: #E0E8F0; }

  a { color: inherit; text-decoration: none; }

  .eyebrow {
    font-size: 11px; letter-spacing: 3px; text-transform: uppercase;
    color: var(--silver); margin-bottom: 16px; font-weight: 400;
  }

  /* NAV */
  nav {
    position: fixed; top: 0; left: 0; right: 0; z-index: 100;
    background: rgba(10,22,40,0.96);
    backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--border);
    padding: 0 6%;
    display: flex; align-items: center; justify-content: space-between;
    height: 76px;
  }
  .nav-logo { display: flex; align-items: center; gap: 14px; }
  .nav-emblem { width: 32px; height: auto; }
  .nav-wordmark {
    font-family: 'Cormorant Garamond', serif;
    font-size: 16px; font-weight: 400;
    letter-spacing: 2.5px;
    color: #E0E8F0;
    text-transform: uppercase;
    line-height: 1.2;
  }
  .nav-wordmark span {
    display: block;
    font-size: 9px; letter-spacing: 3px;
    color: var(--silver); font-weight: 400;
    font-family: 'Montserrat', sans-serif;
    margin-top: 1px;
  }
  .nav-links { display: flex; gap: 36px; align-items: center; }
  .nav-links a {
    font-size: 12px; letter-spacing: 1.5px; text-transform: uppercase;
    color: var(--text-body); transition: color 0.25s;
  }
  .nav-links a:hover { color: var(--silver-light); }
  .nav-cta {
    border: 1px solid var(--silver); padding: 10px 22px;
    font-size: 11px; letter-spacing: 1.5px; text-transform: uppercase;
    color: #E0E8F0; transition: all 0.25s;
  }
  .nav-cta:hover { background: var(--silver); color: var(--navy); }

  section { padding: 140px 6%; position: relative; }

  /* HERO */
  .hero {
    min-height: 100vh; display: flex; flex-direction: column; justify-content: center;
    padding-top: 76px;
    background: linear-gradient(180deg, var(--navy) 0%, var(--navy-mid) 100%);
  }
  .hero-line { width: 60px; height: 1px; background: var(--silver); margin-bottom: 28px; }
  .hero h1 { font-size: 56px; line-height: 1.15; max-width: 820px; font-weight: 400; }
  .hero h1 em { font-style: italic; color: var(--silver-light); }
  .hero p { max-width: 560px; margin-top: 28px; font-size: 16px; color: var(--text-body); }
  .hero-ctas { display: flex; gap: 20px; margin-top: 44px; }
  .btn-primary {
    border: 1px solid var(--silver); padding: 16px 32px;
    font-size: 12px; letter-spacing: 2px; text-transform: uppercase; color: #E0E8F0;
    transition: all 0.25s; background: transparent;
  }
  .btn-primary:hover { background: var(--silver); color: var(--navy); }
  .btn-ghost {
    padding: 16px 8px; font-size: 12px; letter-spacing: 2px; text-transform: uppercase;
    color: var(--text-muted); border-bottom: 1px solid transparent; transition: all 0.25s;
  }
  .btn-ghost:hover { color: var(--silver-light); border-bottom-color: var(--silver); }

  /* PHILOSOPHY */
  .philosophy { background: var(--navy-mid); text-align: center; }
  .philosophy blockquote {
    font-family: 'Cormorant Garamond', serif; font-size: 32px; font-style: italic;
    color: #E0E8F0; max-width: 780px; margin: 0 auto; line-height: 1.5;
  }
  .philosophy-tags { display: flex; justify-content: center; gap: 14px; margin-top: 48px; flex-wrap: wrap; }
  .tag {
    border: 1px solid var(--border-strong); padding: 8px 18px; font-size: 11px;
    letter-spacing: 1px; text-transform: uppercase; color: var(--silver-light);
  }

  /* DIVISIONS */
  .divisions { background: var(--navy); }
  .section-head { max-width: 640px; margin-bottom: 64px; }
  .section-head h2 { font-size: 38px; }
  .division-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--border); border: 1px solid var(--border); }
  .division-card { background: var(--navy); padding: 48px; }
  .division-card .num { font-size: 11px; color: var(--silver); letter-spacing: 2px; }
  .division-card h3 { font-size: 28px; margin: 16px 0 18px; }
  .division-card p { font-size: 14px; color: var(--text-body); margin-bottom: 24px; }
  .division-list { list-style: none; }
  .division-list li {
    font-size: 13px; color: var(--text-muted); padding: 10px 0;
    border-top: 1px solid var(--border); display: flex; gap: 10px;
  }
  .division-list li::before { content: '—'; color: var(--silver); }
  .division-stats { display: flex; gap: 32px; margin-top: 28px; }
  .division-stats div { font-family: 'Cormorant Garamond', serif; font-size: 26px; color: var(--silver-light); }
  .division-stats span { display: block; font-family: 'Montserrat', sans-serif; font-size: 10px; color: var(--text-muted); letter-spacing: 1px; text-transform: uppercase; margin-top: 4px; }

  /* ADVISER MODEL */
  .model { background: var(--navy-mid); }
  .model-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
  .model-bars { display: flex; flex-direction: column; gap: 24px; }
  .model-bar-row { display: flex; align-items: center; gap: 20px; }
  .model-bar-label { width: 220px; font-size: 13px; color: var(--text-body); flex-shrink: 0; }
  .model-bar-track { flex: 1; height: 6px; background: var(--navy-accent); position: relative; }
  .model-bar-fill { height: 100%; background: var(--silver); }
  .model-bar-pct { width: 44px; text-align: right; font-family: 'Cormorant Garamond', serif; font-size: 20px; color: var(--silver-light); }
  .model-caption { font-size: 12px; color: var(--text-muted); margin-top: 12px; padding-top: 20px; border-top: 1px solid var(--border); line-height: 1.7; }
  .model-text h2 { font-size: 34px; margin-bottom: 20px; }
  .model-text p { font-size: 14px; margin-bottom: 16px; color: var(--text-body); }

  /* PARTNERSHIPS */
  .partnerships { background: var(--navy); }
  .partner-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); margin-top: 20px; }
  .partner-card { background: var(--navy); padding: 32px 22px; min-height: 220px; display: flex; flex-direction: column; }
  .partner-card .num { font-size: 10px; color: var(--silver); letter-spacing: 1.5px; margin-bottom: 18px; }
  .partner-card h4 { font-size: 18px; line-height: 1.3; margin-bottom: 14px; }
  .partner-card p { font-size: 12px; color: var(--text-muted); flex: 1; }
  .partner-card .priority { font-size: 10px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--silver-light); margin-top: 18px; padding-top: 14px; border-top: 1px solid var(--border); }

  /* INTERGEN */
  .intergen { background: var(--navy-mid); }
  .intergen-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); margin-bottom: 64px; }
  .intergen-stat { background: var(--navy-mid); padding: 36px 28px; }
  .intergen-stat .figure { font-family: 'Cormorant Garamond', serif; font-size: 38px; color: var(--silver-light); }
  .intergen-stat .label { font-size: 12px; color: var(--text-body); margin-top: 10px; }
  .intergen-stat .sub { font-size: 11px; color: var(--text-muted); margin-top: 4px; }
  .intergen-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; }
  .intergen-col h4 { font-size: 13px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--silver); margin-bottom: 18px; font-family: 'Montserrat', sans-serif; }
  .intergen-col ul { list-style: none; }
  .intergen-col li { font-size: 13px; color: var(--text-body); padding: 12px 0; border-top: 1px solid var(--border); }

  /* TEAM */
  .team { background: var(--navy); }
  .team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); margin-top: 20px; }
  .team-card { background: var(--navy); padding: 36px 28px; }
  .team-card .initials {
    width: 56px; height: 56px; border: 1px solid var(--silver);
    display: flex; align-items: center; justify-content: center;
    font-family: 'Cormorant Garamond', serif; font-size: 20px; color: var(--silver-light);
    margin-bottom: 22px;
  }
  .team-card h4 { font-size: 19px; margin-bottom: 4px; }
  .team-card .role { font-size: 11px; letter-spacing: 1px; text-transform: uppercase; color: var(--silver); margin-bottom: 14px; }
  .team-card p { font-size: 12px; color: var(--text-muted); }

  /* FOUNDER */
  .founder { background: var(--navy-mid); }
  .founder-grid { display: grid; grid-template-columns: 320px 1fr; gap: 70px; }
  .founder-creds { border-left: 1px solid var(--border-strong); padding-left: 28px; }
  .founder-creds .cred { font-size: 13px; color: var(--text-body); padding: 10px 0; border-top: 1px solid var(--border); }
  .founder-creds .cred:first-child { border-top: none; }
  .founder-text h2 { font-size: 34px; margin-bottom: 24px; }
  .founder-text p { font-size: 14px; color: var(--text-body); margin-bottom: 18px; }
  .pull-quote {
    border-left: 2px solid var(--silver); padding: 4px 0 4px 24px; margin: 28px 0;
    font-family: 'Cormorant Garamond', serif; font-style: italic; font-size: 19px; color: #E0E8F0;
  }

  /* CONTACT */
  /* PROCESS */
  .process { background: var(--navy-mid); }
  .process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); margin-top: 20px; }
  .process-card { background: var(--navy-mid); padding: 40px 32px; }
  .process-num { font-family: 'Cormorant Garamond', serif; font-size: 30px; color: var(--silver-light); margin-bottom: 18px; }
  .process-card h4 { font-size: 20px; margin-bottom: 14px; }
  .process-card p { font-size: 13px; color: var(--text-muted); }

  .contact { background: var(--navy); }
  .contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; }
  .contact-text h2 { font-size: 38px; margin-bottom: 20px; }
  .contact-text p { font-size: 14px; color: var(--text-body); margin-bottom: 32px; }
  .contact-detail { font-size: 13px; color: var(--text-body); padding: 14px 0; border-top: 1px solid var(--border); }
  .contact-detail span { display: block; font-size: 10px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--silver); margin-bottom: 6px; }
  form { display: flex; flex-direction: column; gap: 18px; }
  .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
  input, select, textarea {
    background: transparent; border: none; border-bottom: 1px solid var(--border-strong);
    padding: 12px 0; color: #E0E8F0; font-family: 'Montserrat', sans-serif; font-size: 13px;
    font-weight: 300; outline: none;
  }
  input::placeholder, textarea::placeholder { color: var(--text-muted); }
  select option { background: var(--navy); }
  textarea { resize: none; }
  form .submit {
    margin-top: 12px; align-self: flex-start; border: 1px solid var(--silver);
    background: none; padding: 16px 36px; font-size: 12px; letter-spacing: 2px;
    text-transform: uppercase; color: #E0E8F0; cursor: pointer; transition: all 0.25s;
    font-family: 'Montserrat', sans-serif;
  }
  form .submit:hover { background: var(--silver); color: var(--navy); }

  /* FOOTER */
  footer { background: var(--navy-mid); border-top: 1px solid var(--border); padding: 56px 6% 32px; }
  .footer-top { display: flex; justify-content: space-between; align-items: flex-start; flex-wrap: wrap; gap: 32px; }
  .footer-links { display: flex; gap: 28px; }
  .footer-links a { font-size: 11px; letter-spacing: 1px; text-transform: uppercase; color: var(--text-muted); }
  .footer-links a:hover { color: var(--silver-light); }
  .disclosure { margin-top: 36px; padding-top: 24px; border-top: 1px solid var(--border); font-size: 11px; color: var(--text-muted); line-height: 1.8; max-width: 900px; }
  .footer-bottom { margin-top: 24px; font-size: 11px; color: var(--text-muted); }

  @media (max-width: 900px) {
    nav { padding: 0 5%; }
    .nav-links { display: none; }
    section { padding: 90px 6%; }
    .hero h1 { font-size: 36px; }
    .division-grid, .intergen-cols, .model-grid, .founder-grid, .contact-grid { grid-template-columns: 1fr; gap: 1px; }
    .model-grid, .founder-grid, .contact-grid { gap: 40px; }
    .partner-grid { grid-template-columns: 1fr; }
    .process-grid { grid-template-columns: 1fr; }
    .intergen-grid, .team-grid { grid-template-columns: 1fr 1fr; }
    .form-row { grid-template-columns: 1fr; }
  }