/* =====================================================
   STATE STREET INVESTMENT MANAGEMENT - STYLES
   Replicating the SSGA.com design system
   ===================================================== */

/* ---- CSS Custom Properties ---- */
:root {
    --color-primary: #041c3a;
    --color-primary-dark: #021528;
    --color-blue: #1a1aff;
    --color-blue-hover: #0000cc;
    --color-accent-yellow: #FFCE00;
    --color-accent-teal: #00c9a7;
    --color-accent-green: #2ecc71;
    --color-accent-lime: #7fff00;
    --color-accent-neon: #00ff88;
    --color-bg-light: #f0f2f5;
    --color-bg-lighter: #f7f8fa;
    --color-bg-section: #edf0f4;
    --color-text-dark: #041c3a;
    --color-text-body: #3a4a5c;
    --color-text-light: #ffffff;
    --color-border: #d0d5dd;
    --color-border-light: #e5e8ed;
    --color-alert-bg: #fff9e6;
    --color-alert-border: #f5e6a3;
    --color-footer-bg: #0a2540;
    --color-footer-dark: #061a2e;

    --font-primary: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-display: 'Playfair Display', Georgia, serif;

    --container-max: 1280px;
    --container-padding: 24px;

    --header-height: 120px;
    --transition-fast: 0.2s ease;
    --transition-med: 0.35s ease;
    --transition-slow: 0.5s ease;

    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
    --shadow-lg: 0 8px 30px rgba(0,0,0,0.12);
    --radius-sm: 4px;
    --radius-md: 8px;
    --radius-lg: 12px;
}

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

html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font-primary);
    font-size: 16px;
    line-height: 1.6;
    color: var(--color-text-dark);
    background: #fff;
    overflow-x: hidden;
}

a {
    text-decoration: none;
    color: inherit;
    transition: color var(--transition-fast);
}

ul {
    list-style: none;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

button {
    border: none;
    background: none;
    cursor: pointer;
    font-family: inherit;
}

/* ---- Container ---- */
.container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--container-padding);
}

/* ---- Buttons ---- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px 28px;
    font-size: 15px;
    font-weight: 600;
    border-radius: var(--radius-sm);
    transition: all var(--transition-fast);
    cursor: pointer;
    border: 2px solid transparent;
    letter-spacing: 0.3px;
}

.btn--primary {
    background: var(--color-primary);
    color: var(--color-text-light);
    border-color: var(--color-primary);
}

.btn--primary:hover {
    background: transparent;
    color: var(--color-primary);
}

.btn--outline-white {
    background: transparent;
    color: var(--color-text-light);
    border-color: var(--color-text-light);
}

.btn--outline-white:hover {
    background: var(--color-text-light);
    color: var(--color-primary);
}

.btn--dark {
    background: var(--color-primary);
    color: var(--color-text-light);
    border-color: var(--color-primary);
}

.btn--dark:hover {
    background: #0a2540;
    border-color: #0a2540;
}

.btn--small {
    padding: 10px 20px;
    font-size: 14px;
}

/* =====================================================
   ALERT BANNER
   ===================================================== */
.alert-banner {
    background: var(--color-alert-bg);
    padding: 10px var(--container-padding);
    display: flex;
    align-items: center;
    justify-content: space-between;
    position: relative;
    z-index: 1001;
    border-bottom: 1px solid var(--color-alert-border);
}

.alert-banner__content {
    display: flex;
    align-items: center;
    gap: 10px;
}

.alert-banner__icon {
    flex-shrink: 0;
    color: var(--color-text-dark);
}

.alert-banner__link {
    font-size: 14px;
    font-weight: 600;
    color: var(--color-text-dark);
}

.alert-banner__link:hover {
    text-decoration: underline;
}

.alert-banner__close {
    padding: 4px;
    color: var(--color-text-dark);
    transition: opacity var(--transition-fast);
}

.alert-banner__close:hover {
    opacity: 0.7;
}

.alert-banner.hidden {
    display: none;
}

/* =====================================================
   UTILITY BAR
   ===================================================== */
.utility-bar {
    background: var(--color-primary);
    padding: 10px 0;
    position: relative;
    z-index: 1000;
}

.utility-bar .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.utility-bar__region {
    font-size: 13px;
    color: var(--color-text-light);
    font-weight: 500;
}

.utility-bar__right {
    display: flex;
    align-items: center;
    gap: 16px;
}

.utility-bar__link {
    font-size: 13px;
    color: var(--color-text-light);
    font-weight: 500;
}

.utility-bar__link:hover {
    text-decoration: underline;
}

.utility-bar__divider {
    color: rgba(255,255,255,0.3);
    font-size: 13px;
}

.utility-bar__dropdown {
    position: relative;
}

.utility-bar__dropdown-btn {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    color: var(--color-text-light);
    font-weight: 500;
}

.utility-bar__dropdown-btn:hover {
    text-decoration: underline;
}

.utility-bar__dropdown-btn svg {
    transition: transform var(--transition-fast);
}

.utility-bar__dropdown.open .utility-bar__dropdown-btn svg {
    transform: rotate(180deg);
}

.utility-bar__dropdown-menu {
    position: absolute;
    top: calc(100% + 8px);
    right: 0;
    background: white;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    min-width: 220px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-8px);
    transition: all var(--transition-fast);
    z-index: 100;
}

.utility-bar__dropdown.open .utility-bar__dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.utility-bar__dropdown-item {
    display: block;
    padding: 12px 20px;
    font-size: 14px;
    color: var(--color-text-dark);
    transition: background var(--transition-fast);
}

.utility-bar__dropdown-item:hover {
    background: var(--color-bg-light);
}

.utility-bar__dropdown-item:first-child {
    border-radius: var(--radius-md) var(--radius-md) 0 0;
}

.utility-bar__dropdown-item:last-child {
    border-radius: 0 0 var(--radius-md) var(--radius-md);
}

/* =====================================================
   HEADER
   ===================================================== */
.header {
    background: #fff;
    position: sticky;
    top: 0;
    z-index: 999;
    box-shadow: var(--shadow-sm);
}

.header .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.header__logo {
    padding: 16px 0;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
}

.logo__text {
    display: flex;
    flex-direction: column;
}

.logo__title {
    font-size: 20px;
    font-weight: 900;
    color: var(--color-blue);
    letter-spacing: 1.5px;
    line-height: 1.1;
}

.logo__subtitle {
    font-size: 10px;
    font-weight: 700;
    color: var(--color-blue);
    letter-spacing: 2px;
    line-height: 1.4;
}

.header__nav-line {
    height: 3px;
    background: var(--color-blue);
}

.header__nav {
    border-bottom: 1px solid var(--color-border-light);
}

.header__nav .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.nav-menu {
    display: flex;
    gap: 0;
}

.nav-menu__item {
    position: relative;
}

.nav-menu__link {
    display: block;
    padding: 16px 20px;
    font-size: 15px;
    font-weight: 500;
    color: var(--color-text-dark);
    transition: color var(--transition-fast);
    position: relative;
}

.nav-menu__link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 20px;
    right: 20px;
    height: 3px;
    background: var(--color-blue);
    transform: scaleX(0);
    transition: transform var(--transition-fast);
}

.nav-menu__link:hover {
    color: var(--color-blue);
}

.nav-menu__link:hover::after {
    transform: scaleX(1);
}

.nav-menu__item.active .nav-menu__link::after {
    transform: scaleX(1);
}

/* Nav Search */
.nav-search {
    display: flex;
    align-items: center;
    border-bottom: 2px solid var(--color-blue);
    padding-bottom: 2px;
}

.nav-search__input {
    border: none;
    outline: none;
    font-size: 15px;
    font-family: var(--font-primary);
    color: var(--color-blue);
    background: transparent;
    padding: 8px 0;
    width: 160px;
}

.nav-search__input::placeholder {
    color: var(--color-blue);
    font-weight: 500;
}

.nav-search__btn {
    color: var(--color-blue);
    padding: 4px;
}

/* =====================================================
   MEGA MENU
   ===================================================== */
.mega-menu {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--color-bg-lighter);
    border-top: 1px solid var(--color-border-light);
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: all var(--transition-med);
    z-index: 998;
}

.mega-menu.open {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.mega-menu__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
    padding: 40px 0;
}

.mega-menu__heading {
    font-size: 16px;
    font-weight: 700;
    color: var(--color-text-dark);
    margin-bottom: 16px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--color-blue);
}

.mega-menu__list li {
    margin-bottom: 10px;
}

.mega-menu__list a {
    font-size: 14px;
    color: var(--color-text-body);
    transition: color var(--transition-fast);
}

.mega-menu__list a:hover {
    color: var(--color-blue);
}

/* =====================================================
   HERO SECTION
   ===================================================== */
.hero {
    background: var(--color-bg-lighter);
    padding: 80px 0 60px;
    position: relative;
    overflow: hidden;
}

.hero__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.hero__label {
    display: inline-block;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 2px;
    color: var(--color-primary);
    margin-bottom: 20px;
    text-transform: uppercase;
}

.hero__title {
    font-family: var(--font-primary);
    font-size: 52px;
    font-weight: 900;
    line-height: 1.05;
    color: var(--color-primary);
    margin-bottom: 24px;
    letter-spacing: -1px;
}

.hero__description {
    font-size: 16px;
    color: var(--color-text-body);
    line-height: 1.7;
    margin-bottom: 32px;
    max-width: 500px;
}

.hero__image {
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero__image img {
    border-radius: var(--radius-lg);
    max-height: 380px;
    width: 100%;
    object-fit: cover;
}

/* =====================================================
   FUND SHOWCASE
   ===================================================== */
.funds {
    background: var(--color-primary);
    padding: 80px 0;
}

.funds__grid {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 60px;
    align-items: center;
}

.funds__title {
    font-size: 36px;
    font-weight: 900;
    color: var(--color-text-light);
    line-height: 1.15;
    margin-bottom: 28px;
}

.funds__cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.fund-card {
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    padding: 28px 24px;
    border-radius: var(--radius-lg);
    min-height: 200px;
    transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}

.fund-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 32px rgba(0,0,0,0.3);
}

.fund-card--teal {
    background: #6EFFC0;
}

.fund-card--green {
    background: #6EFFC0;
}

.fund-card--lime {
    background: #6EFFC0;
}

.fund-card__ticker {
    font-size: 38px;
    font-weight: 900;
    color: var(--color-primary);
    letter-spacing: 2px;
    line-height: 1;
}

.fund-card__ticker sup {
    font-size: 16px;
}

.fund-card__name {
    font-size: 13px;
    color: var(--color-primary);
    line-height: 1.4;
    margin-top: 12px;
    font-weight: 600;
}

.fund-card__arrow {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    background: var(--color-primary);
    border-radius: 6px;
    color: var(--color-text-light);
    margin-top: 16px;
    transition: background var(--transition-fast);
}

.fund-card:hover .fund-card__arrow {
    background: #0a2540;
}

/* =====================================================
   CTA SECTION
   ===================================================== */
.cta {
    padding: 100px 0;
}

.cta__grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    background: var(--color-accent-yellow);
    border-radius: var(--radius-lg);
    overflow: hidden;
    min-height: 420px;
    position: relative;
}

.cta__content {
    padding: 60px 50px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.cta__title {
    font-size: 48px;
    font-weight: 900;
    color: var(--color-primary);
    line-height: 1.1;
    margin-bottom: 20px;
    text-transform: lowercase;
}

.cta__text {
    font-size: 16px;
    color: var(--color-text-dark);
    line-height: 1.7;
    margin-bottom: 32px;
    max-width: 440px;
}

.cta__image {
    position: relative;
    display: flex;
    align-items: stretch;
}

.cta__arrow-box {
    background: var(--color-primary);
    width: 200px;
    min-height: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.cta__arrow-svg {
    width: 100px;
    height: 100px;
}

.cta__photo {
    flex: 1;
    overflow: hidden;
}

.cta__photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

/* =====================================================
   INSIGHTS SECTION
   ===================================================== */
.insights {
    background: var(--color-bg-section);
    padding: 80px 0;
}

.insights__title {
    font-size: 32px;
    font-weight: 900;
    color: var(--color-primary);
    margin-bottom: 20px;
}

.insights__grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 32px;
    margin-top: 40px;
}

.insight-card--featured {
    background: #fff;
    border-radius: var(--radius-lg);
    overflow: hidden;
    height: 100%;
    display: flex;
    flex-direction: column;
    transition: box-shadow var(--transition-fast);
    border: 1px solid var(--color-border-light);
}

.insight-card--featured:hover {
    box-shadow: var(--shadow-md);
}

.insight-card__image {
    width: 100%;
    height: 260px;
    overflow: hidden;
}

.insight-card__image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.insight-card__body {
    padding: 28px 32px;
}

.insight-card__badge {
    display: inline-block;
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--color-blue);
    margin-bottom: 12px;
}

.insight-card__title {
    font-size: 22px;
    font-weight: 800;
    color: var(--color-primary);
    line-height: 1.3;
    margin-bottom: 12px;
}

.insight-card__excerpt {
    font-size: 14px;
    color: var(--color-text-body);
    line-height: 1.7;
    margin-bottom: 0;
}

.insight-card__link {
    font-size: 15px;
    font-weight: 600;
    color: var(--color-blue);
    display: inline-flex;
    align-items: center;
    gap: 4px;
}

.insight-card__link:hover {
    text-decoration: underline;
}

.insights__list {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.insight-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 20px 0;
    border-bottom: 1px solid var(--color-border);
    transition: background var(--transition-fast);
}

.insight-item:first-child {
    border-top: 1px solid var(--color-border);
}

.insight-item:hover {
    background: rgba(255,255,255,0.5);
    padding-left: 12px;
}

.insight-item__image {
    width: 140px;
    height: 90px;
    border-radius: var(--radius-sm);
    overflow: hidden;
    flex-shrink: 0;
}

.insight-item__image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.insight-item__text {
    flex: 1;
}

.insight-item__category {
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--color-blue);
    margin-bottom: 6px;
    display: block;
}

.insight-item__title {
    font-size: 16px;
    font-weight: 700;
    color: var(--color-primary);
    line-height: 1.4;
}

/* =====================================================
   SOLUTIONS SECTION
   ===================================================== */
.solutions {
    padding: 80px 0;
    background: #fff;
}

.solutions__title {
    font-size: 32px;
    font-weight: 900;
    color: var(--color-primary);
    margin-bottom: 40px;
}

.solutions__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.solution-card {
    padding: 32px 24px;
    border: 1px solid var(--color-border-light);
    border-radius: var(--radius-md);
    display: flex;
    flex-direction: column;
    transition: box-shadow var(--transition-fast), transform var(--transition-fast);
}

.solution-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}

.solution-card__title {
    font-size: 18px;
    font-weight: 800;
    color: var(--color-primary);
    margin-bottom: 16px;
    line-height: 1.3;
}

.solution-card__text {
    font-size: 14px;
    color: var(--color-text-body);
    line-height: 1.7;
    margin-bottom: 24px;
    flex: 1;
}

/* =====================================================
   ABOUT SECTION
   ===================================================== */
.about {
    padding: 100px 0;
    background: var(--color-bg-section);
}

.about__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: start;
}

.about__label {
    display: block;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--color-primary);
    margin-bottom: 16px;
}

.about__title {
    font-size: 52px;
    font-weight: 900;
    color: var(--color-primary);
    line-height: 1.05;
    margin-bottom: 24px;
    letter-spacing: -1px;
}

.about__text {
    font-size: 16px;
    color: var(--color-text-body);
    line-height: 1.7;
    margin-bottom: 32px;
    max-width: 500px;
}

.about__stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.stat-card {
    background: var(--color-primary);
    border-radius: var(--radius-lg);
    padding: 32px 28px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    min-height: 180px;
    transition: transform var(--transition-fast);
}

.stat-card:hover {
    transform: translateY(-3px);
}

.stat-card__number {
    font-size: 48px;
    font-weight: 900;
    color: var(--color-text-light);
    line-height: 1;
    margin-bottom: 12px;
}

.stat-card__label {
    font-size: 14px;
    color: rgba(255,255,255,0.8);
    line-height: 1.5;
}

.stat-card__label sup {
    font-size: 10px;
}

/* =====================================================
   RESOURCES SECTION
   ===================================================== */
.resources {
    padding: 60px 0;
    background: #fff;
}

.resources__title {
    font-size: 28px;
    font-weight: 900;
    color: var(--color-primary);
    margin-bottom: 32px;
}

.resources__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    background: var(--color-bg-lighter);
    padding: 32px;
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border-light);
}

.resources__heading {
    font-size: 16px;
    font-weight: 700;
    color: var(--color-primary);
    margin-bottom: 16px;
    padding-bottom: 12px;
    border-bottom: 1px solid var(--color-border);
}

.resources__list li {
    padding: 8px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.resources__list a {
    font-size: 14px;
    color: var(--color-text-body);
}

.resources__list a:hover {
    color: var(--color-blue);
    text-decoration: underline;
}

.resources__badge {
    font-size: 10px;
    font-weight: 700;
    padding: 3px 8px;
    border-radius: 3px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.resources__badge--pdf {
    background: #dc3545;
    color: white;
}

.resources__badge--xlsx {
    background: #198754;
    color: white;
}

/* =====================================================
   DISCLOSURES / ACCORDIONS
   ===================================================== */
.disclosures {
    padding: 40px 0 60px;
    background: var(--color-bg-section);
}

.accordion {
    background: var(--color-bg-lighter);
    border-radius: var(--radius-md);
    overflow: hidden;
}

.accordion + .accordion {
    margin-top: 0;
    border-top: 1px solid var(--color-border-light);
    border-radius: 0 0 var(--radius-md) var(--radius-md);
}

.accordion:first-child {
    border-radius: var(--radius-md) var(--radius-md) 0 0;
}

.accordion__btn {
    display: flex;
    align-items: center;
    gap: 12px;
    width: 100%;
    padding: 20px 24px;
    font-size: 16px;
    font-weight: 700;
    color: var(--color-primary);
    text-align: left;
    transition: background var(--transition-fast);
}

.accordion__btn:hover {
    background: rgba(0,0,0,0.03);
}

.accordion__icon {
    transition: transform var(--transition-fast);
    flex-shrink: 0;
    color: var(--color-blue);
}

.accordion__btn[aria-expanded="true"] .accordion__icon {
    transform: rotate(45deg);
}

.accordion__content {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--transition-med);
}

.accordion__content p {
    padding: 0 24px 16px 56px;
    font-size: 13px;
    color: var(--color-text-body);
    line-height: 1.7;
}

.accordion__content p:first-child {
    padding-top: 0;
}

/* =====================================================
   FOOTER
   ===================================================== */
.footer {
    background: var(--color-footer-bg);
    color: var(--color-text-light);
}

.footer__top {
    border-bottom: 1px solid rgba(255,255,255,0.1);
    padding: 24px 0;
}

.footer__top-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.footer__contact-link {
    font-size: 15px;
    font-weight: 600;
    color: var(--color-text-light);
    text-decoration: underline;
    text-underline-offset: 4px;
}

.footer__contact-link:hover {
    opacity: 0.8;
}

.footer__social {
    display: flex;
    gap: 24px;
}

.footer__social-link {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--color-text-light);
    font-size: 14px;
    font-weight: 500;
    transition: opacity var(--transition-fast);
}

.footer__social-link:hover {
    opacity: 0.7;
}

.footer__bottom {
    background: var(--color-footer-dark);
    padding: 40px 0;
}

.footer__legal {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    margin-bottom: 40px;
    padding-bottom: 40px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer__legal p {
    font-size: 12px;
    color: rgba(255,255,255,0.65);
    line-height: 1.7;
    margin-bottom: 12px;
}

.footer__legal a {
    color: rgba(255,255,255,0.85);
    text-decoration: underline;
    text-underline-offset: 2px;
}

.footer__legal a:hover {
    color: white;
}

.footer__legal strong {
    color: rgba(255,255,255,0.85);
}

.footer__copyright {
    text-align: center;
}

.footer__copyright p {
    font-size: 12px;
    color: rgba(255,255,255,0.5);
    margin-bottom: 16px;
}

.footer__links {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 8px 20px;
}

.footer__links a {
    font-size: 12px;
    color: rgba(255,255,255,0.6);
    transition: color var(--transition-fast);
}

.footer__links a:hover {
    color: white;
}

/* =====================================================
   BACK TO TOP
   ===================================================== */
.back-to-top {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 44px;
    height: 44px;
    background: var(--color-primary);
    color: var(--color-text-light);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: all var(--transition-fast);
    z-index: 900;
    box-shadow: var(--shadow-md);
}

.back-to-top.visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.back-to-top:hover {
    background: var(--color-blue);
}

/* =====================================================
   ANIMATIONS
   ===================================================== */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeIn {
    from { opacity: 0; }
    to { opacity: 1; }
}

.animate-on-scroll {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll.visible {
    opacity: 1;
    transform: translateY(0);
}

/* =====================================================
   RESPONSIVE
   ===================================================== */
@media (max-width: 1024px) {
    .hero__title {
        font-size: 40px;
    }
    
    .about__title {
        font-size: 40px;
    }
    
    .solutions__grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .funds__grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .funds__cards {
        grid-template-columns: repeat(3, 1fr);
    }
    
    .cta__title {
        font-size: 36px;
    }
    
    .mega-menu__grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 30px;
    }
}

@media (max-width: 768px) {
    :root {
        --container-padding: 16px;
    }
    
    .hero__grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .hero__title {
        font-size: 32px;
    }
    
    .hero__image {
        order: -1;
    }
    
    .hero__image img {
        max-height: 240px;
    }
    
    .funds__cards {
        grid-template-columns: 1fr;
        gap: 12px;
    }
    
    .fund-card {
        min-height: auto;
        padding: 20px;
        flex-direction: row;
        align-items: center;
        gap: 16px;
    }
    
    .fund-card__ticker {
        font-size: 28px;
    }
    
    .fund-card__arrow {
        margin-top: 0;
        margin-left: auto;
    }
    
    .cta__grid {
        grid-template-columns: 1fr;
    }
    
    .cta__title {
        font-size: 30px;
    }
    
    .cta__image {
        height: 260px;
    }
    
    .insights__grid {
        grid-template-columns: 1fr;
    }
    
    .solutions__grid {
        grid-template-columns: 1fr;
    }
    
    .about__grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .about__title {
        font-size: 32px;
    }
    
    .about__stats {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }
    
    .stat-card__number {
        font-size: 32px;
    }
    
    .resources__grid {
        grid-template-columns: 1fr;
        padding: 24px;
    }
    
    .footer__legal {
        grid-template-columns: 1fr;
    }
    
    .footer__top-content {
        flex-direction: column;
        gap: 16px;
    }
    
    .footer__social {
        flex-wrap: wrap;
        justify-content: center;
    }
    
    .nav-menu {
        display: none;
    }
    
    .nav-search {
        width: 100%;
    }
    
    .nav-search__input {
        width: 100%;
    }
}

@media (max-width: 480px) {
    .hero__title {
        font-size: 28px;
    }
    
    .about__title {
        font-size: 28px;
    }
    
    .about__stats {
        grid-template-columns: 1fr;
    }
    
    .cta__content {
        padding: 40px 24px;
    }
    
    .footer__links {
        gap: 8px 12px;
    }
}