*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
 
    body {
      font-family: 'Montserrat', sans-serif;
      background: #07162b;
      color: #fff;
    }
 
    :root {
      --gold:    #c9a84c;
      --gold-lt: #e5c36a;
      --navy:    #07162b;
      --navy2:   #050e1c;
      --navy3:   #040b17;
      --card-bg: #0b1e38;
      --card-bd: rgba(80,110,200,0.28);
      --gold-bd: rgba(201,168,76,0.35);
    }
 
    /* ── SHARED FADE-UP ── */
    .fade-up {
      opacity: 0;
      transform: translateY(26px);
      transition: opacity 0.75s ease, transform 0.75s ease;
    }
    .fade-up.visible { opacity: 1; transform: translateY(0); }
 
    /* ════════════════════════════════════
       INVESTMENT VERDICT SECTION
    ════════════════════════════════════ */
    .verdict-section {
      background: var(--navy);
      padding: 90px 40px 100px;
      text-align: center;
    }
 
    .verdict-label {
      display: block;
      color: var(--gold-lt);
      font-size: 0.62rem;
      font-weight: 600;
      letter-spacing: 0.34em;
      text-transform: uppercase;
      margin-bottom: 14px;
    }
 
    .verdict-title {
      font-family: 'Cormorant Garamond', serif;
      font-size: clamp(2rem, 5vw, 3rem);
      font-weight: 700;
      color: #fff;
      text-transform: uppercase;
      letter-spacing: 0.06em;
      margin-bottom: 22px;
      line-height: 1.1;
    }
 
    /* Rating pill */
    .verdict-rating {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      background: linear-gradient(135deg, #1a140a, #2a1f0d);
      border: 1.5px solid var(--gold);
      border-radius: 40px;
      padding: 10px 28px;
      margin-bottom: 60px;
    }
 
    .rating-num {
      font-family: 'Cormorant Garamond', serif;
      font-size: 1.55rem;
      font-weight: 700;
      color: var(--gold-lt);
      letter-spacing: 0.04em;
      line-height: 1;
    }
 
    .rating-text {
      font-size: 0.6rem;
      font-weight: 600;
      letter-spacing: 0.22em;
      text-transform: uppercase;
      color: rgba(255,255,255,0.55);
    }
 
    /* Two-column layout */
    .verdict-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 40px;
      max-width: 860px;
      margin: 0 auto 40px;
      text-align: left;
    }
 
    /* Column titles */
    .vcol-title {
      font-family: 'Cormorant Garamond', serif;
      font-size: 1.1rem;
      font-weight: 700;
      color: #fff;
      text-transform: uppercase;
      letter-spacing: 0.06em;
      margin-bottom: 16px;
    }
 
    /* ── TIMELINE CARDS (left col) ── */
    .timeline-cards {
      display: flex;
      flex-direction: column;
      gap: 10px;
    }
 
    .timeline-card {
      background: var(--card-bg);
      border: 1px solid var(--card-bd);
      border-radius: 8px;
      padding: 16px 18px 18px;
      transition: border-color 0.3s;
    }
    .timeline-card:hover { border-color: var(--gold-bd); }
 
    .tc-top {
      display: flex;
      justify-content: space-between;
      align-items: baseline;
      margin-bottom: 8px;
    }
 
    .tc-period {
      font-size: 0.7rem;
      font-weight: 600;
      color: var(--gold-lt);
      letter-spacing: 0.04em;
    }
 
    .tc-return {
      font-size: 0.72rem;
      font-weight: 700;
      color: var(--gold-lt);
      letter-spacing: 0.04em;
    }
 
    .tc-desc {
      font-size: 0.73rem;
      font-weight: 300;
      color: rgba(255,255,255,0.65);
      line-height: 1.6;
    }
 
    /* ── WHY INVEST CARDS (right col) ── */
    .why-cards {
      display: flex;
      flex-direction: column;
      gap: 10px;
    }
 
    .why-card {
      background: var(--card-bg);
      border: 1px solid var(--card-bd);
      border-radius: 8px;
      padding: 14px 18px;
      transition: border-color 0.3s;
    }
    .why-card:hover { border-color: var(--gold-bd); }
 
    .why-card-title {
      display: block;
      font-size: 0.72rem;
      font-weight: 600;
      color: var(--gold-lt);
      letter-spacing: 0.04em;
      margin-bottom: 5px;
    }
 
    .why-card-desc {
      font-size: 0.72rem;
      font-weight: 300;
      color: rgba(255,255,255,0.65);
      line-height: 1.5;
    }
 
    /* ── BEST SUITED FOR ── */
    .suited-wrap {
      max-width: 860px;
      margin: 0 auto;
      background: var(--card-bg);
      border: 1px solid var(--card-bd);
      border-radius: 10px;
      padding: 28px 32px 32px;
      text-align: center;
    }
 
    .suited-title {
      font-family: 'Cormorant Garamond', serif;
      font-size: 1rem;
      font-weight: 700;
      color: #fff;
      text-transform: uppercase;
      letter-spacing: 0.1em;
      margin-bottom: 20px;
    }
 
    .suited-tags {
      display: flex;
      flex-wrap: wrap;
      justify-content: center;
      gap: 10px;
    }
 
    .suited-tag {
      display: inline-block;
      border: 1.5px solid rgba(201,168,76,0.55);
      border-radius: 30px;
      padding: 8px 20px;
      font-size: 0.62rem;
      font-weight: 600;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: rgba(255,255,255,0.82);
      transition: background 0.3s, color 0.3s, border-color 0.3s;
      cursor: default;
    }
    .suited-tag:hover {
      background: var(--gold);
      color: #000;
      border-color: var(--gold);
    }
 
    /* ════════════════════════════════════
       CONTACT / FORM SECTION
    ════════════════════════════════════ */
    .contact-section {
      background: var(--navy2);
      padding: 90px 60px 80px;
    }
 
    .contact-inner {
      max-width: 860px;
      margin: 0 auto;
      display: grid;
      grid-template-columns: 1fr 1.5fr;
      gap: 60px;
      align-items: start;
    }
 
    /* LEFT — contact info */
    .contact-left { }
 
    .contact-eyebrow {
      display: block;
      color: var(--gold-lt);
      font-size: 0.6rem;
      font-weight: 600;
      letter-spacing: 0.3em;
      text-transform: uppercase;
      margin-bottom: 14px;
    }
 
    .contact-title {
      font-family: 'Cormorant Garamond', serif;
      font-size: clamp(1.6rem, 3.5vw, 2.2rem);
      font-weight: 700;
      color: #fff;
      text-transform: uppercase;
      letter-spacing: 0.04em;
      line-height: 1.2;
      margin-bottom: 16px;
    }
 
    .contact-sub {
      font-size: 0.78rem;
      font-weight: 300;
      color: rgba(255,255,255,0.6);
      line-height: 1.7;
      margin-bottom: 36px;
    }
 
    /* Contact info items */
    .contact-items {
      display: flex;
      flex-direction: column;
      gap: 22px;
    }
 
    .contact-item {
      display: flex;
      align-items: flex-start;
      gap: 14px;
    }
 
    .contact-icon {
      width: 38px;
      height: 38px;
      border-radius: 50%;
      background: linear-gradient(135deg, #1a140a, #2a1f0d);
      border: 1px solid var(--gold-bd);
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
    }
 
    .contact-icon svg {
      width: 16px;
      height: 16px;
      stroke: var(--gold-lt);
      fill: none;
      stroke-width: 1.8;
      stroke-linecap: round;
      stroke-linejoin: round;
    }
 
    .contact-item-label {
      display: block;
      font-size: 0.6rem;
      font-weight: 500;
      letter-spacing: 0.1em;
      color: rgba(255,255,255,0.42);
      text-transform: uppercase;
      margin-bottom: 4px;
    }
 
    .contact-item-val {
      font-size: 0.78rem;
      font-weight: 400;
      color: rgba(255,255,255,0.88);
      line-height: 1.5;
    }
 
    /* RIGHT — form */
    .contact-form-wrap {
      background: var(--card-bg);
      border: 1px solid var(--card-bd);
      border-radius: 10px;
      padding: 32px 28px;
    }
 
    .form-title {
      font-family: 'Cormorant Garamond', serif;
      font-size: 1.3rem;
      font-weight: 700;
      color: #fff;
      text-transform: uppercase;
      letter-spacing: 0.08em;
      margin-bottom: 24px;
    }
 
    .form-row {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 12px;
      margin-bottom: 12px;
    }
 
    .form-group {
      display: flex;
      flex-direction: column;
      gap: 6px;
      margin-bottom: 12px;
    }
 
    .form-label {
      font-size: 0.58rem;
      font-weight: 600;
      letter-spacing: 0.18em;
      text-transform: uppercase;
      color: rgba(255,255,255,0.45);
    }
 
    .form-input,
    .form-textarea {
      background: rgba(255,255,255,0.04);
      border: 1px solid rgba(255,255,255,0.1);
      border-radius: 5px;
      padding: 11px 14px;
      font-family: 'Montserrat', sans-serif;
      font-size: 0.74rem;
      font-weight: 300;
      color: rgba(255,255,255,0.75);
      outline: none;
      transition: border-color 0.3s;
      width: 100%;
    }
    .form-input::placeholder,
    .form-textarea::placeholder {
      color: rgba(255,255,255,0.2);
      font-style: italic;
      letter-spacing: 0.05em;
    }
    .form-input:focus,
    .form-textarea:focus {
      border-color: var(--gold-bd);
    }
 
    .form-textarea {
      resize: vertical;
      min-height: 90px;
    }
 
    .form-submit {
      width: 100%;
      padding: 14px;
      background: linear-gradient(135deg, var(--gold), #a8872e);
      border: none;
      border-radius: 5px;
      font-family: 'Montserrat', sans-serif;
      font-size: 0.68rem;
      font-weight: 700;
      letter-spacing: 0.22em;
      text-transform: uppercase;
      color: #000;
      cursor: pointer;
      transition: opacity 0.3s, transform 0.2s;
      margin-top: 4px;
    }
    .form-submit:hover {
      opacity: 0.9;
      transform: translateY(-1px);
    }
    .form-submit:active { transform: translateY(0); }
 
    /* ════════════════════════════════════
       FOOTER
    ════════════════════════════════════ */
    .site-footer {
      background: var(--navy3);
      border-top: 1px solid rgba(255,255,255,0.07);
      padding: 22px 60px;
      display: grid;
      grid-template-columns: 1fr auto 1fr;
      align-items: center;
    }
 
    .footer-brand {
      font-family: 'Cormorant Garamond', serif;
      font-size: 0.82rem;
      font-weight: 600;
      letter-spacing: 0.16em;
      text-transform: uppercase;
      color: rgba(255,255,255,0.55);
    }
 
    .footer-copy {
      font-size: 0.58rem;
      font-weight: 300;
      color: rgba(255,255,255,0.35);
      letter-spacing: 0.06em;
      text-align: center;
    }
 
    .footer-links {
      display: flex;
      gap: 24px;
      justify-content: flex-end;
    }
 
    .footer-links a {
      font-size: 0.6rem;
      font-weight: 400;
      letter-spacing: 0.08em;
      color: rgba(255,255,255,0.4);
      text-decoration: none;
      transition: color 0.3s;
    }
    .footer-links a:hover { color: var(--gold-lt); }
 
    /* ════════════════════════════════════
       RESPONSIVE
    ════════════════════════════════════ */
    @media (max-width: 768px) {
      .verdict-section  { padding: 70px 24px 80px; }
      .verdict-grid     { grid-template-columns: 1fr; gap: 28px; }
 
      .contact-section  { padding: 70px 24px; }
      .contact-inner    { grid-template-columns: 1fr; gap: 40px; }
 
      .site-footer {
        grid-template-columns: 1fr;
        gap: 12px;
        text-align: center;
        padding: 24px;
      }
      .footer-links { justify-content: center; }
    }
 
    @media (max-width: 480px) {
      .form-row { grid-template-columns: 1fr; }
      .suited-tag { font-size: 0.56rem; padding: 7px 14px; }
    }