/* ── CSS Variables ─────────────────────── */
:root {
  --burgundy: #722F37;
  --gold: #B8860B;
  --gold-light: #FFD700;
  --bg-warm: #FFFBF5;
  --bg-white: #FFFFFF;
  --text: #1E1E1E;
  --text-muted: #6B5E5E;
  --border-warm: #DDD6CC;
  --border-light: #EEE8DD;
  --content-width: 680px;
}

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

html { scroll-behavior: smooth; }
body {
  font-family: Georgia, serif;
  font-size: 16px;
  color: var(--text);
  overflow-x: hidden;
  background: var(--bg-warm);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ── Nav Bar ──────────────────────────── */
.nav-bar {
  background: var(--burgundy);
  color: #FFFFFF;
  padding: 8px 16px;
  font-family: "Times New Roman", Times, serif;
  line-height: 1.5;
}
.nav-row { display: flex; justify-content: space-between; align-items: baseline; }
.nav-title { font-size: 18px; font-weight: bold; color: #FFFFFF; text-decoration: none; }
.nav-toggle {
  display: none;
  background: none; border: none;
  color: #FFFFFF; font-size: 20px;
  cursor: pointer; padding: 0 4px;
}
.nav-links { font-size: 14px; display: flex; align-items: baseline; flex-wrap: wrap; gap: 2px; }
.nav-links a, .nav-links a:link, .nav-links a:visited { color: #FFFFFF; text-decoration: none; }
.nav-links a:hover { color: var(--gold-light); text-decoration: underline; }
.nav-sep { font-size: 11px; opacity: 0.55; margin: 0 3px; }

.nav-dropdown { position: relative; }
.nav-dropdown > a { cursor: default; }
.nav-dropdown-content {
  display: none; position: absolute; left: 0; top: 100%;
  background: #FFFFFF; border: 1px solid #999999;
  padding: 4px 0; z-index: 999; white-space: nowrap;
}
.nav-dropdown-content a, .nav-dropdown-content a:link, .nav-dropdown-content a:visited {
  display: block; padding: 4px 12px;
  font-weight: normal; text-decoration: none;
  color: #0000EE !important; font-size: 13px;
}
.nav-dropdown-content a:hover { background: #EEEEEE; }
.nav-dropdown:hover .nav-dropdown-content { display: block; }

@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .nav-links { display: none; flex-direction: column; gap: 6px; padding-top: 8px; }
  .nav-links.open { display: flex; }
  .nav-sep { display: none; }
  .nav-dropdown-content { position: static; background: none; border: none; padding-left: 16px; }
  .nav-dropdown-content a,
  .nav-dropdown-content a:link,
  .nav-dropdown-content a:visited,
  .nav-dropdown-content a:active { color: #FFFFFF !important; background: transparent; }
}

/* ── Section Backgrounds ──────────────── */
.section { width: 100%; }
.bg-warm { background: var(--bg-warm); }
.bg-white { background: var(--bg-white); }
.bg-burgundy { background: var(--burgundy); }

/* ── Content Column ───────────────────── */
.content-col {
  max-width: var(--content-width);
  margin: 0 auto;
  padding: 100px 40px;
}

/* ── Scroll Reveal Base ────────────────── */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.7s ease-out, transform 0.7s ease-out;
}
.reveal.revealed {
  opacity: 1;
  transform: translateY(0);
}

/* ── Typography ───────────────────────── */
.section-title {
  font-family: "Times New Roman", Times, serif;
  font-size: 36px;
  font-weight: 700;
  color: var(--text);
  line-height: 1.2;
  margin-bottom: 36px;
}
.body-text {
  font-size: 16px;
  color: #3D3535;
  line-height: 1.85;
  margin-bottom: 22px;
}
.body-text:nth-child(2) { transition-delay: 0.08s; }
.body-text:nth-child(3) { transition-delay: 0.16s; }
.drop-cap { overflow: hidden; }
.drop-cap-letter {
  float: left;
  font-family: "Times New Roman", Times, serif;
  font-size: 68px;
  color: var(--burgundy);
  line-height: 0.75;
  padding-right: 10px;
  padding-top: 2px;
}
.pull-quote {
  margin: 44px 0 8px;
  padding: 20px 0 0;
  border-top: 1px solid var(--border-warm);
  text-align: center;
  font-family: "Times New Roman", Times, serif;
  font-size: 20px;
  color: var(--burgundy);
  font-style: italic;
}
.pull-quote-ctx {
  text-align: center;
  font-size: 14px;
  color: var(--text-muted);
  margin-bottom: 8px;
}
.closer {
  text-align: center;
  max-width: 600px;
  margin: 48px auto 0;
  font-size: 15px;
  color: var(--text-muted);
}
.closer strong { color: var(--burgundy); }

/* ── Hero ─────────────────────────────── */
.hero-section {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 78% 8%, rgba(114, 47, 55, 0.05), transparent 26%),
    linear-gradient(180deg, #FFFFFF 0%, var(--bg-warm) 100%);
}
.hero-shell {
  width: min(1180px, calc(100% - 80px));
  min-height: clamp(560px, 72vh, 760px);
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(280px, 0.82fr) minmax(460px, 1.18fr);
  align-items: center;
  gap: clamp(36px, 7vw, 96px);
  padding: clamp(64px, 8vw, 100px) 0 clamp(24px, 4vw, 52px);
}
.hero-copy { position: relative; z-index: 2; }
.hero-kicker {
  font-family: "Times New Roman", Times, serif;
  font-size: 13px;
  color: var(--gold);
  letter-spacing: 1.8px;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.hero-actions { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.hero-btn {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 10px 22px;
  border-radius: 5px;
  background: var(--burgundy);
  color: #FFFFFF;
  font-family: "Times New Roman", Times, serif;
  font-size: 16px;
  text-decoration: none;
  box-shadow: 0 12px 28px rgba(114, 47, 55, 0.22);
  transition: background 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}
.hero-btn:hover {
  background: #5E2730;
  transform: translateY(-1px);
  box-shadow: 0 16px 34px rgba(114, 47, 55, 0.30);
}
.hero-text-link {
  color: var(--burgundy);
  font-size: 14px;
  text-decoration: none;
  border-bottom: 1px solid rgba(114, 47, 55, 0.32);
}
.hero-text-link:hover { border-bottom-color: var(--burgundy); }
.hero-visual {
  position: relative;
  min-height: clamp(390px, 45vw, 520px);
  color: #8EA3B7;
}

/* Layer 1: SVG pillars behind, large, faded */
.pillars-layer {
  position: absolute;
  inset: 0;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding-left: 5.5vw;
  opacity: 0.25;
  pointer-events: none;
  mask-image: linear-gradient(to bottom, black 0%, black 80%, transparent 98%);
  -webkit-mask-image: linear-gradient(to bottom, black 0%, black 80%, transparent 98%);
}
.pillars-layer svg {
  height: 72vh;
  width: auto;
  transform: scale(1.6) translateY(-11%);
  transform-origin: top center;
}

/* SVG pillar stroke/fill classes */
.pl-pillar-line { fill: none; stroke: var(--burgundy); stroke-width: 4; stroke-linecap: round; stroke-linejoin: round; opacity: 0.22; }
.pl-pillar-thin { fill: none; stroke: var(--burgundy); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; opacity: 0.12; }
.pl-pillar-fill { fill: var(--burgundy); opacity: 0.028; }
.pl-pillar-highlight { fill: none; stroke: var(--bg-warm); stroke-width: 2; stroke-linecap: round; opacity: 0.35; }

/* Layer 2: HK Skyline in front, solid */
.skyline-layer {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 48vh;
  max-height: 360px;
  z-index: 2;
  pointer-events: none;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  margin-bottom: 36px;
}
.skyline-layer img {
  height: 100%;
  width: auto;
  display: block;
}

.hero-explainer .content-col { padding-top: 36px; }
.hero-rule {
  width: 36px; height: 2px;
  background: var(--burgundy);
  margin: 0 auto 36px;
}
.hero-title {
  font-family: "Times New Roman", Times, serif;
  font-size: clamp(46px, 6vw, 78px);
  font-weight: 700;
  color: #213140;
  text-align: left;
  line-height: 0.98;
  margin: 0 0 22px;
  max-width: 560px;
}
.hero-intro {
  font-size: clamp(17px, 1.7vw, 21px);
  color: var(--text-muted);
  text-align: left;
  max-width: 500px;
  margin: 0 0 30px;
  line-height: 1.55;
  opacity: 1;
}
.hero-explainer-title {
  font-family: "Times New Roman", Times, serif;
  font-size: 52px;
  font-weight: 700;
  color: var(--text);
  text-align: center;
  line-height: 1.15;
  margin: 0 auto 16px;
}
.hero-subtitle {
  font-size: 17px;
  color: var(--text-muted);
  text-align: center;
  max-width: 520px;
  margin: 0 auto 12px;
  line-height: 1.7;
}
.scroll-hint {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  margin: 0 auto 36px;
}
.scroll-line {
  width: 1px; height: 52px;
  background: linear-gradient(to bottom, var(--burgundy), transparent);
  animation: scroll-pulse 2s ease-in-out infinite;
  transform-origin: top center;
}
@keyframes scroll-pulse {
  0%, 100% { transform: scaleY(0.7); opacity: 0.5; }
  50% { transform: scaleY(1); opacity: 1; }
}
.scroll-label {
  font-family: "Times New Roman", Times, serif;
  font-size: 10px;
  color: var(--burgundy);
  text-transform: uppercase;
  letter-spacing: 2px;
}

@media (max-width: 1024px) {
  .hero-shell {
    width: min(920px, calc(100% - 56px));
    grid-template-columns: 1fr;
    gap: 20px;
    padding-top: 64px;
  }
  .hero-copy { max-width: 620px; }
  .hero-visual {
    width: min(700px, 100%);
    margin-left: auto;
    min-height: 430px;
  }
}

/* ── Horizontal Timeline ──────────────── */
.h-timeline-dots { display: none; }
.h-timeline {
  margin-top: 12px;
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.7s ease-out, transform 0.7s ease-out;
}
.h-timeline.revealed {
  opacity: 1;
  transform: translateY(0);
}
.h-timeline-track {
  position: relative;
  height: 2px;
  background: var(--border-warm);
  margin-bottom: 14px;
  overflow: hidden;
}
.h-timeline-fill {
  position: absolute;
  left: 0; top: 0;
  height: 2px;
  background: var(--burgundy);
  width: 0%;
  transition: width 1s ease-out 0.4s;
}
.h-timeline.revealed .h-timeline-fill { width: 100%; }
.h-timeline-nodes {
  display: flex;
  justify-content: space-between;
  gap: 10px;
}
.h-node { flex: 1; text-align: center; }
.h-node-dot {
  width: 14px; height: 14px;
  background: var(--burgundy);
  border-radius: 50%;
  border: 3px solid var(--bg-warm);
  margin: -22px auto 10px;
}
.h-node-dot.large {
  width: 18px; height: 18px;
  margin-top: -24px;
}
.h-node-dot.gold {
  background: var(--gold);
  box-shadow: 0 0 0 4px rgba(184, 134, 11, 0.2);
  position: relative;
  z-index: 1;
}
.h-node-year {
  font-family: "Times New Roman", Times, serif;
  font-size: 10px;
  color: var(--gold);
  margin-bottom: 3px;
}
.h-node-title {
  font-family: "Times New Roman", Times, serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--text);
}
.h-node-desc {
  font-size: 10px;
  color: var(--text-muted);
  line-height: 1.4;
  margin-top: 3px;
}
.h-node-em { font-weight: bold; }
.gold-text { color: var(--gold); }

/* ── Vertical Timeline (centered, alternating) ── */
.v-timeline {
  position: relative;
  padding: 0;
}
.v-line {
  position: absolute;
  left: 50%;
  top: 0;
  bottom: 0;
  width: 2px;
  background: var(--burgundy);
  transform: translateX(-50%);
}

.v-row {
  display: flex;
  align-items: flex-start;
  position: relative;
  margin-bottom: 20px;
}
.v-row:last-child { margin-bottom: 0; }

.v-row .v-card {
  width: 44%;
  position: relative;
  opacity: 0;
  transition: opacity 0.6s ease-out, transform 0.6s ease-out;
}
.v-row.left .v-card  { transform: translateX(-30px); }
.v-row.right .v-card  { transform: translateX(30px); }
.v-row .v-card.revealed {
  opacity: 1;
  transform: translateX(0);
}
.v-row:nth-child(2) .v-card { transition-delay: 0s; }
.v-row:nth-child(3) .v-card { transition-delay: 0.08s; }
.v-row:nth-child(4) .v-card { transition-delay: 0.16s; }
.v-row:nth-child(5) .v-card { transition-delay: 0.24s; }
.v-row:nth-child(6) .v-card { transition-delay: 0.32s; }
.v-row:nth-child(7) .v-card { transition-delay: 0.40s; }

.v-spacer { width: 56%; }

/* Dot — positioned on the center line via v-row */
.v-row { position: relative; }
.v-dot {
  position: absolute;
  left: 50%;
  top: 8px;
  width: 14px; height: 14px;
  background: var(--burgundy);
  border-radius: 50%;
  transform: translateX(-50%);
  z-index: 2;
}

.v-dot.gold {
  background: var(--gold);
  box-shadow: 0 0 0 4px rgba(184, 134, 11, 0.15);
}
.v-year {
  font-family: "Times New Roman", Times, serif;
  font-size: 13px;
  color: var(--gold);
}
.v-title {
  font-family: "Times New Roman", Times, serif;
  font-size: 17px;
  font-weight: 700;
  color: var(--text);
  margin-top: 0;
}
.v-desc {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.5;
  margin-top: 2px;
}

@media (max-width: 768px) {
  .v-line { left: 16px; }
  .v-row { flex-direction: row; margin-bottom: 24px; }
  .v-row .v-card {
    width: auto; flex: 1;
    padding-left: 0; margin-left: 32px;
    transform: none;
  }
  .v-row.left .v-card,
  .v-row.right .v-card { transform: none; }
  .v-spacer { display: none; }
  .v-dot {
    position: absolute;
    left: 16px;
    top: 6px;
    transform: translateX(-50%);
  }
}

/* ── Three Pillars ────────────────────── */
.pillars { display: flex; flex-direction: column; gap: 40px; }
.pillar {
  display: flex;
  gap: 32px;
  align-items: flex-start;
  opacity: 0;
  transform: translateX(-12px);
  transition: opacity 0.6s ease-out, transform 0.6s ease-out;
}
.pillar.revealed {
  opacity: 1;
  transform: translateX(0);
}
.pillar:nth-child(1) { transition-delay: 0s; }
.pillar:nth-child(2) { transition-delay: 0.12s; }
.pillar:nth-child(3) { transition-delay: 0.24s; }

.pillar-numeral {
  flex-shrink: 0;
  text-align: center;
  min-width: 60px;
}
.pillar-roman {
  font-family: "Times New Roman", Times, serif;
  font-size: 56px;
  font-weight: 400;
  color: var(--burgundy);
  line-height: 0.9;
  opacity: 0.25;
  user-select: none;
}
.pillar-label {
  display: block;
  font-size: 10px;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 2px;
  margin-top: 4px;
}
.pillar-body { flex: 1; padding-top: 8px; }
.pillar-title {
  font-family: "Times New Roman", Times, serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 10px;
}
.pillar-text {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ── Section 5: Concept Blocks ─────────── */
.concept-block {
  margin-bottom: 48px;
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.7s ease-out, transform 0.7s ease-out;
}
.concept-block.revealed {
  opacity: 1;
  transform: translateY(0);
}
.concept-title {
  font-family: "Times New Roman", Times, serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 8px;
}
.concept-desc {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 20px;
}
.ebs-chart {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 28px;
  align-items: start;
  max-width: 720px;
  margin: 0 auto;
}
.ebs-column {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 14px;
}
.ebs-column-label {
  font-family: "Times New Roman", Times, serif;
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--burgundy);
  text-align: center;
  width: 100%;
}
.ebs-stack {
  width: 100%;
  min-width: 100px;
  max-width: 200px;
  height: clamp(260px, 35vmin, 380px);
  display: flex;
  flex-direction: column;
}
.ebs-segment {
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  cursor: pointer;
  transition: opacity 0.3s ease;
}
.ebs-chart.dimmed .ebs-segment { opacity: 0.35; }
.ebs-chart.dimmed .ebs-segment.active {
  opacity: 1;
  outline: 2px solid var(--burgundy);
  outline-offset: 1px;
}

.ebs-val {
  font-family: Georgia, serif;
  font-size: 13px;
  font-weight: 400;
  color: rgba(255,255,255,0.92);
  opacity: 0;
  transition: opacity 0.25s ease;
}
.ebs-segment.active .ebs-val { opacity: 1; }

.ebs-total {
  font-family: Georgia, serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--burgundy);
  text-align: center;
  width: 100%;
}
.ebs-info-panel {
  align-self: center;
  padding: clamp(16px, 2vw, 28px) clamp(12px, 2vw, 24px);
  min-height: clamp(200px, 30vmin, 320px);
  max-width: 280px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 12px;
  background: var(--bg-white);
  border: 1px solid var(--border-light);
}
.ebs-info-header {
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--burgundy);
  transition: opacity 0.25s ease;
}
.ebs-info-title {
  font-family: "Times New Roman", Times, serif;
  font-size: 24px;
  line-height: 1.15;
  color: var(--text);
  transition: opacity 0.25s ease;
}
.ebs-info-value {
  font-size: 36px;
  font-weight: 700;
  color: var(--burgundy);
  transition: opacity 0.25s ease;
}
.ebs-info-copy {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.7;
  transition: opacity 0.25s ease;
}

.ebs-note {
  font-size: 10px;
  font-style: italic;
  color: #B0A8A0;
  margin-bottom: 8px;
}

/* ── 5b: Capital Comparison ────────────── */
.cc-toggle-row {
  display: flex;
  justify-content: center;
  gap: 0;
  margin-bottom: 32px;
}
.cc-toggle-btn {
  padding: 8px 22px;
  min-width: 150px;
  text-align: center;
  border: 1px solid var(--burgundy);
  background: var(--bg-white);
  color: var(--burgundy);
  font-family: "Times New Roman", Times, serif;
  font-size: 13px;
  cursor: pointer;
  transition: background 0.2s, color 0.2s;
}
.cc-toggle-btn:first-child { border-radius: 4px 0 0 4px; }
.cc-toggle-btn:last-child { border-radius: 0 4px 4px 0; }
.cc-toggle-btn.active {
  background: var(--burgundy);
  color: #FFFFFF;
}
.cc-toggle-btn:hover:not(.active) {
  background: rgba(114, 47, 55, 0.08);
}

.cc-comparison {
  display: flex;
  gap: 64px;
  align-items: flex-start;
  justify-content: center;
  margin-bottom: 28px;
}
.cc-card-item {
  flex: 1;
  max-width: 280px;
}
.cc-card-header {
  text-align: center;
  margin-bottom: 16px;
}
.cc-card-name {
  font-family: "Times New Roman", Times, serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 2px;
}
.cc-card-sub {
  font-size: 12px;
  color: var(--text-muted);
}
.cc-bars-row {
  display: flex;
  gap: 20px;
  justify-content: center;
}
.cc-bar-col {
  display: flex;
  flex-direction: column;
  align-items: center;
  min-width: 90px;
}
.cc-bar-group {
  display: flex;
  flex-direction: column;
  align-items: center;
}
.cc-stack-wrap {
  position: relative;
  display: inline-block;
}
.cc-col-label {
  font-family: "Times New Roman", Times, serif;
  font-size: 11px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-top: 6px;
}
.cc-bar-stack {
  width: 56px;
  height: 220px;
  position: relative;
  border-radius: 2px 2px 0 0;
  overflow: hidden;
}
.cc-col-total {
  font-family: Georgia, serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--burgundy);
  margin-bottom: 6px;
  text-align: center;
}

/* Segment base */
.cc-seg {
  position: absolute;
  left: 0; right: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  transition: filter 0.3s, opacity 0.3s;
  cursor: default;
}
.cc-seg-val {
  font-family: Georgia, serif;
  font-size: 12px;
  font-weight: 400;
  line-height: 1;
  color: rgba(255,255,255,0.92);
  opacity: 0;
  transition: opacity 0.25s;
}
.cc-seg.active .cc-seg-val { opacity: 1; }

.cc-seg-label {
  font-family: Georgia, serif;
  font-size: 10px;
  line-height: 1;
  color: rgba(255,255,255,0.88);
  opacity: 0;
  transition: opacity 0.25s;
  margin-bottom: 1px;
  text-align: center;
}
.cc-seg.active .cc-seg-label { opacity: 1; }

/* Dimming */
.cc-bar-stack.dimmed .cc-seg { opacity: 0.35; }
.cc-bar-stack.dimmed .cc-seg.active { opacity: 1; }

/* Segment sizes & colors */
.cc-seg--bond   { top: 0; height: 100%; background: #8B7355; }
.cc-seg--equity { top: 0; height: 100%; background: #C47E5A; }
.cc-seg--net    { top: 0; height: 20%; background: #5B7B5E; }
.cc-seg--liab   { top: 20%; height: 80%; background: #7A8B8B; }

/* Required Capital bracket — positioned relative to cc-stack-wrap */
.cc-bracket {
  position: absolute;
  left: calc(100% + 4px);
  top: 0;
  width: 8px;
  height: 22px; /* RC=10 at 2.2px/unit for Old HKIO default */
  border: 2px solid var(--burgundy);
  border-left: none;
  border-radius: 0 2px 2px 0;
  transition: height 0.5s ease, margin-top 0.5s ease;
}
.cc-bracket-label {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  white-space: nowrap;
  font-family: Georgia, serif;
  font-size: 11px;
  color: var(--burgundy);
}
.cc-bracket-label strong {
  font-family: "Times New Roman", Times, serif;
  font-size: 13px;
}

.cc-narrative {
  text-align: center;
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.7;
  max-width: 520px;
  margin: 0 auto 24px;
  transition: opacity 0.3s;
}
.cc-narrative strong { color: var(--burgundy); }

/* ── Mobile: 5b ────────────────────────── */
@media (max-width: 768px) {
  .cc-toggle-row { flex-direction: column; align-items: stretch; margin-bottom: 16px; }
  .cc-toggle-btn { min-width: auto; }
  .cc-toggle-btn:first-child { border-radius: 4px 4px 0 0; }
  .cc-toggle-btn:last-child { border-radius: 0 0 4px 4px; }
  .cc-comparison {
    flex-direction: column;
    align-items: center;
    gap: 36px;
  }
  .cc-card-item { max-width: 100%; }
  .cc-bar-col { min-width: auto; }
  .cc-bar-stack { width: 48px; height: 180px; }
  .cc-bracket-label { font-size: 10px; }
  .cc-seg-val { opacity: 1; font-size: 10px; }
  .cc-seg-label { opacity: 1; font-size: 9px; }
}

/* ── 5c: Stress Simulator ──────────────── */
/* Card wrapper */
.stress-card {
  background: var(--bg-warm);
  border: 1px solid var(--border-warm);
  padding: 24px 24px 12px 24px;
  margin-bottom: 12px;
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.7s ease-out, transform 0.7s ease-out;
}
.stress-card.revealed {
  opacity: 1;
  transform: translateY(0);
}
.stress-card:nth-child(3) { transition-delay: 0s; }
.stress-card:nth-child(4) { transition-delay: 0.1s; }
.stress-card:nth-child(5) { transition-delay: 0.2s; }
.stress-card-title {
  font-family: "Times New Roman", Times, serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 8px;
}

/* Horizontal layout: chart + slider panel */
.stress-layout {
  display: flex;
  gap: 72px;
  align-items: flex-start;
  justify-content: center;
}
.stress-chart {
  display: flex;
  gap: 32px;
  justify-content: center;
  align-items: flex-start;
}
.stress-col {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}
.stress-col-total {
  font-family: Georgia, serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--burgundy);
}
.stress-col-label {
  font-family: "Times New Roman", Times, serif;
  font-size: 11px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 1px;
}
.stress-bar-wrap {
  position: relative;
  display: inline-block;
}
.stress-bar {
  width: 64px;
  height: 250px;
  position: relative;
  border-radius: 2px 2px 0 0;
  overflow: hidden;
  background: var(--border-light);
}
.stress-bar--ir {
  height: 325px; /* max 130 units at 2.5px/unit */
  background: linear-gradient(to bottom, transparent 75px, var(--border-light) 75px);
}
.stress-seg {
  position: absolute;
  left: 0; right: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}
.stress-seg-val {
  font-family: Georgia, serif;
  font-size: 12px;
  font-weight: 400;
  line-height: 1;
  color: rgba(255,255,255,0.92);
}
.stress-seg-label {
  font-family: Georgia, serif;
  font-size: 10px;
  line-height: 1;
  color: rgba(255,255,255,0.88);
  margin-bottom: 1px;
  text-align: center;
}
.stress-seg--equity { background: #C47E5A; }
.stress-seg--bond   { background: #8B7355; }
.stress-seg--na     { background: #5B7B5E; }
.stress-seg--liab   { background: #7A8B8B; }

/* Baseline dashed outline */
.stress-baseline {
  position: absolute;
  left: -4px;
  right: -4px;
  border: 1.5px dashed rgba(114, 47, 55, 0.35);
  pointer-events: none;
  z-index: 1;
  transition: height 0.3s ease;
}
/* RCA bracket */
.stress-bracket {
  position: absolute;
  left: calc(100% + 6px);
  width: 7px;
  display: none;
  z-index: 1;
  border: 2px solid var(--burgundy);
  border-left: none;
  border-radius: 0 2px 2px 0;
  transition: height 0.3s ease, top 0.3s ease, border-color 0.3s ease;
}
.stress-bracket-label {
  position: absolute;
  left: 8px;
  top: 50%;
  transform: translateY(-50%);
  white-space: nowrap;
  font-family: Georgia, serif;
  font-size: 9px;
  color: var(--burgundy);
}
.stress-bracket-label strong {
  font-family: "Times New Roman", Times, serif;
  font-size: 11px;
}

/* Slider panel (right side) */
.stress-slider-panel {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  width: 220px;
  padding-top: 30px;
}
.stress-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 200px;
  height: 4px;
  border-radius: 2px;
  background: var(--border-warm);
  outline: none;
  cursor: pointer;
}
.stress-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: var(--burgundy);
  cursor: pointer;
  border: 2px solid var(--bg-white);
  box-shadow: 0 1px 3px rgba(0,0,0,0.15);
}
.stress-slider::-moz-range-thumb {
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: var(--burgundy);
  cursor: pointer;
  border: 2px solid var(--bg-white);
  box-shadow: 0 1px 3px rgba(0,0,0,0.15);
}
.stress-slider-info {
  display: flex;
  justify-content: space-between;
  width: 220px;
  font-size: 11px;
}
.stress-slider-val {
  color: var(--burgundy);
  font-weight: 700;
}
.stress-slider-prescribed {
  color: var(--text-muted);
}

/* Narrative text inside slider panel */
.stress-narrative {
  text-align: left;
  font-size: 11px;
  color: var(--text-muted);
  line-height: 1.5;
  margin-top: 8px;
  transition: opacity 0.3s;
}

/* ── Section 5 sub-section separator ──── */
.concept-sep {
  width: 40px;
  height: 1px;
  background: var(--border-warm);
  margin: 0 auto 20px;
}

#stress-morb-block + .concept-sep {
  margin-top: -12px;
  margin-bottom: 8px;
}

.stress-card#stress-morb-block {
  margin-bottom: 0;
}

#sec-concepts .content-col {
  padding-bottom: 40px;
}
.concept-sep + .concept-block {
  margin-top: 0;
}
#stress-sim-block {
  margin-bottom: 40px;
}

/* ── 5d: Diversification Funnel ────────── */
.funnel {
  max-width: 520px;
  margin: 0 auto;
}
.funnel-section {
  padding: 0;
}
.funnel-label {
  font-family: "Times New Roman", Times, serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 14px;
  text-align: center;
}

/* Bar rows */
.funnel-bar-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 6px;
}
.funnel-bar-name {
  font-size: 12px;
  color: var(--text-muted);
  width: 160px;
  flex-shrink: 0;
  text-align: right;
  order: 1;
}
.funnel-bar-row--other .funnel-bar-name { color: #B0A8A0; }
.funnel-bar-wrap {
  flex: 1;
  order: 2;
  text-align: left;
}
.funnel-bar {
  display: inline-block;
  max-width: 100%;
  height: 14px;
  border-radius: 0 2px 2px 0;
  vertical-align: middle;
}
.funnel-bar--equity { background: #C47E5A; }
.funnel-bar--ir     { background: #A08060; }
.funnel-bar--morb   { background: #8B7355; }
.funnel-bar--other  {
  background: var(--border-warm);
  opacity: 0.45;
}
.funnel-bar-val {
  font-family: Georgia, serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--text);
  width: 32px;
  text-align: right;
  flex-shrink: 0;
  order: 3;
}
.funnel-bar-val--muted {
  color: #B0A8A0;
  font-weight: 400;
}
.funnel-etc {
  text-align: center;
  font-size: 11px;
  color: #B0A8A0;
  font-style: italic;
  margin-top: 4px;
  margin-bottom: 0;
}

/* Funnel connector */
.funnel-connector {
  display: flex;
  flex-direction: column;
  align-items: center;
  margin: 8px 0;
}
.funnel-connector-lines {
  display: block;
  width: 260px;
  max-width: 100%;
  height: auto;
}
.funnel-node {
  font-family: "Times New Roman", Times, serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--burgundy);
  padding: 5px 18px;
  border: 1px solid var(--burgundy);
  margin-top: -6px;
  background: var(--bg-white);
}
.funnel-node span {
  font-weight: 400;
  font-size: 10px;
  color: var(--text-muted);
}

/* Output comparison */
.funnel-output {
  margin-top: 16px;
}
.funnel-compare {
  max-width: 480px;
  margin: 0 auto;
}
.funnel-compare-labels,
.funnel-compare-vals,
.funnel-compare-subs {
  display: flex;
  align-items: baseline;
  justify-content: center;
}
.funnel-compare-labels { margin-bottom: 6px; }
.funnel-compare-vals   { margin-bottom: 4px; }
.funnel-compare-label,
.funnel-compare-val,
.funnel-compare-sub {
  width: 145px;
  text-align: center;
  flex-shrink: 0;
}
.funnel-compare-spacer {
  width: 15px;
  flex-shrink: 0;
}
.funnel-compare-label {
  font-size: 10px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  line-height: 1.4;
}
.funnel-compare-val {
  font-family: Georgia, serif;
  font-size: 24px;
  font-weight: 700;
  color: var(--text);
  line-height: 1;
}
.funnel-compare-sub {
  font-size: 10px;
  color: var(--text-muted);
  line-height: 1.4;
}
.funnel-compare-label--pca,
.funnel-compare-val--pca,
.funnel-compare-sub--pca {
  color: var(--burgundy);
}

.funnel-note {
  text-align: center;
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.6;
  margin-top: 14px;
  max-width: 420px;
  margin-left: auto;
  margin-right: auto;
}

/* ── Mobile: 5c ────────────────────────── */
@media (max-width: 768px) {
  .stress-layout { flex-direction: column; align-items: center; gap: 20px; }
  .stress-chart { gap: 16px; }
  .stress-bar { width: 52px; height: 250px; }
  .stress-bar--ir { width: 52px; height: 325px; }
  .stress-slider-panel { width: 280px; padding-top: 0; }
  .stress-slider, .stress-slider-info { width: 280px; }
  .stress-narrative { min-height: 60px; }
  .funnel { padding-right: 12px; }
  .funnel-bar-wrap { width: auto; }
  .funnel-bar-name { width: 90px; font-size: 10px; }
  .funnel-bar-row { gap: 6px; }
  .funnel-bar-val { width: 20px; font-size: 12px; }
  .funnel-compare { max-width: 100%; }
  .funnel-compare-label,
  .funnel-compare-val,
  .funnel-compare-sub { width: auto; flex: 1; min-width: 0; }
  .funnel-compare-val { font-size: 18px; }
  .funnel-compare-label { font-size: 9px; letter-spacing: 0; }
  .funnel-compare-spacer { width: 8px; flex-shrink: 0; }
}

/* Segment colors — warm earthy (assets) + cool complementary (liabilities) */
.ebs-s-bonds    { height: 38%; background: #8B7355; }
.ebs-s-equities { height: 32%; background: #C47E5A; }
.ebs-s-loans    { height: 5%;  background: #9B8B7A; }
.ebs-s-property { height: 15%; background: #A08060; }
.ebs-s-cash     { height: 10%; background: #C4B8A8; }
.ebs-s-netasset { height: 20%; background: #5B7B5E; }
.ebs-s-moce     { height: 4%;  background: #B8865E; }
.ebs-s-current  { height: 76%; background: #7A8B8B; }
/* ── Section 6: Explore More ──────────── */
.explore-title {
  font-family: "Times New Roman", Times, serif;
  font-size: 32px;
  font-weight: 700;
  color: #FFFFFF;
  line-height: 1.2;
  margin-bottom: 16px;
}
.explore-subtitle {
  font-size: 15px;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.7;
  margin-bottom: 36px;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
}
.explore-links {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}
.explore-btn {
  display: inline-block;
  padding: 10px 28px;
  border: 1px solid rgba(255, 255, 255, 0.3);
  color: #FFFFFF;
  font-family: "Times New Roman", Times, serif;
  font-size: 14px;
  text-decoration: none;
  transition: border-color 0.2s;
}
.explore-btn:hover { border-color: rgba(255, 255, 255, 0.6); }
.explore-btn.primary {
  border-color: var(--gold);
  color: var(--gold-light);
}
.fun-fact {
  margin-top: 32px;
  font-size: 11px;
  color: rgba(255,255,255,0.45);
  text-align: center;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.5;
}
.fun-fact strong {
  color: rgba(255,255,255,0.55);
}
.fun-fact .like-btn {
  position: relative;
  background: none;
  border: none;
  cursor: pointer;
  font-size: 12px;
  margin-left: 6px;
  opacity: 0.6;
  transition: opacity 0.2s;
}
.fun-fact .like-btn:hover { opacity: 1; }

@keyframes float-up {
  0%   { opacity: 1; transform: translateY(0); }
  100% { opacity: 0; transform: translateY(-14px); }
}
.like-plus-one {
  animation: float-up 0.8s ease-out forwards;
  position: absolute;
  top: -4px;
  right: -8px;
  color: #C44E52;
  font-weight: bold;
  font-size: 11px;
  pointer-events: none;
}

/* ── Top Progress Bar ────────────────── */
.top-progress {
  display: none;
  position: fixed;
  top: 0; left: 0; right: 0;
  height: 2px;
  z-index: 1000;
  background: rgba(107,94,94,0.08);
}
.top-progress-fill {
  height: 100%;
  width: 0%;
  background: var(--burgundy);
  transition: width 0.15s linear;
}

/* ── Right Scroll Progress Line ───────── */
.scroll-progress {
  position: fixed;
  right: 20px;
  top: 50%;
  transform: translateY(-50%);
  display: flex;
  gap: 0;
  align-items: stretch;
  z-index: 100;
  height: 380px;
}
.scroll-progress-track {
  width: 2px;
  height: 100%;
  background: rgba(107,94,94,0.15);
  position: relative;
  border-radius: 1px;
  overflow: hidden;
  order: 2;
}
.scroll-progress-fill {
  position: absolute;
  top: 0; left: 0;
  width: 100%;
  height: 0%;
  background: #6B5E5E;
  border-radius: 1px;
  transition: height 0.3s ease-out;
}
.scroll-progress-ticks {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  height: 100%;
  order: 1;
  margin-right: 10px;
}
.scroll-tick {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px 0;
  flex-shrink: 0;
  min-height: 24px;
  position: relative;
}
/* Dashes */
.scroll-tick::after {
  content: '';
  width: 16px; height: 2px;
  background: #6B5E5E;
  opacity: 0.35;
  flex-shrink: 0;
  transition: opacity 0.2s, width 0.2s;
}
.scroll-tick:hover::after,
.scroll-tick.active::after {
  opacity: 1;
  width: 28px;
}

/* Sub-ticks (Chapter 4 children) */
.scroll-tick--sub {
  padding: 4px 0;
  min-height: 18px;
}
.scroll-tick--sub::after {
  width: 10px;
  opacity: 0.25;
}
.scroll-tick--sub:hover::after,
.scroll-tick--sub.active::after {
  width: 18px;
  opacity: 1;
}

/* Labels: hidden, appear instantly on hover/active */
.scroll-tick-label {
  font-family: Georgia, serif;
  font-size: 12px;
  color: #6B5E5E;
  white-space: nowrap;
  opacity: 0;
  transform: translateX(4px);
  transition: opacity 0.12s ease, transform 0.12s ease;
  margin-right: 10px;
  pointer-events: none;
}
.scroll-tick:hover .scroll-tick-label,
.scroll-tick.active .scroll-tick-label {
  opacity: 1;
  transform: translateX(0);
}

/* ── Mobile ───────────────────────────── */
@media (max-width: 768px) {
  .content-col { padding: 60px 20px; }
  .hero-shell {
    width: calc(100% - 40px);
    min-height: auto;
    grid-template-columns: 1fr;
    gap: 28px;
    padding: 52px 0 28px;
  }
  .hero-kicker {
    font-size: 11px;
    letter-spacing: 1.4px;
    margin-bottom: 14px;
  }
  .hero-title { font-size: 42px; line-height: 1.02; }
  .hero-intro { font-size: 16px; }
  .hero-actions { gap: 12px; margin-bottom: 46px; }
  .hero-btn { min-height: 42px; padding: 9px 18px; font-size: 15px; }
  .hero-visual {
    min-height: 280px;
    transform: scale(0.86);
    transform-origin: top center;
    margin: 0 auto -42px;
  }
  .skyline-layer { height: 36vh; margin-bottom: 26px; }
  .pillars-layer svg { height: 54vh; transform: scale(1.3); transform-origin: top center; margin-top: -12.5vh; }
  .hero-explainer .content-col { padding-top: 30px; }
  .hero-explainer-title { font-size: 36px; }
  .hero-subtitle { font-size: 15px; }
  .section-title { font-size: 26px; }

  .h-timeline-track { display: none; }
  .h-timeline-nodes {
    display: flex;
    flex-direction: row;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    -webkit-overflow-scrolling: touch;
    gap: 0;
    margin: 0 -20px;
    padding: 0 20px;
  }
  .h-timeline-nodes::-webkit-scrollbar { display: none; }
  .h-node {
    flex: 0 0 calc(100% - 40px);
    scroll-snap-align: center;
    text-align: center;
    padding: 32px 24px;
    margin-right: 20px;
    background: var(--bg-white);
    border: 1px solid var(--border-warm);
  }
  .h-node:last-child { margin-right: 0; }
  .h-node-dot { display: none; }
  .h-node-year { font-family: "Times New Roman", Times, serif; font-size: 12px; color: var(--gold); letter-spacing: 2px; text-transform: uppercase; margin-bottom: 8px; }
  .h-node-title { font-family: "Times New Roman", Times, serif; font-size: 20px; font-weight: 700; color: var(--text); margin-bottom: 8px; line-height: 1.2; }
  .h-node-desc { font-size: 13px; color: var(--text-muted); line-height: 1.6; }
  .h-timeline-dots {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-top: 16px;
  }
  .h-timeline-dot {
    width: 12px; height: 12px;
    border-radius: 50%;
    background: var(--border-warm);
    transition: background 0.2s;
  }
  .h-timeline-dot.active { background: var(--burgundy); }

  .concept-cards { grid-template-columns: 1fr; }
  .ebs-chart { display: flex; flex-wrap: wrap; justify-content: center; gap: 20px; }
  .ebs-assets { order: 1; }
  .ebs-liabilities { order: 2; }
  .ebs-info-panel { order: 3; width: 100%; max-width: 100%; min-height: 220px; }
  .ebs-column { width: 110px; flex-shrink: 0; }
  .ebs-stack { min-width: 0; max-width: 110px; height: 180px; }
  .ebs-column-label { font-size: 11px; }
  .ebs-info-value { min-height: 44px; }
  .ebs-info-copy { min-height: 72px; }

  .explore-title { font-size: 24px; }
  .explore-links { flex-direction: column; align-items: center; }

  .scroll-progress { display: none; }
  .top-progress { display: block; }

  .pillar { gap: 16px; }
  .pillar-roman { font-size: 40px; }
  .pillar-numeral { min-width: 44px; }
}

/* ── Accessibility ──────────────────────── */
:focus-visible {
  outline: 2px solid var(--burgundy);
  outline-offset: 2px;
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}