/* ============================================================
   SELF-HOSTED FONTS  ·  Fraunces / Geist / Geist Mono
   Downloaded from Google Fonts; served from /fonts/.
   ============================================================ */
@font-face {
  font-family: 'Fraunces';
  font-style: italic;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/fraunces-italic-300-600-vietnamese.woff2') format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
@font-face {
  font-family: 'Fraunces';
  font-style: italic;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/fraunces-italic-300-600-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Fraunces';
  font-style: italic;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/fraunces-italic-300-600-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/fraunces-normal-300-600-vietnamese.woff2') format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/fraunces-normal-300-600-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/fraunces-normal-300-600-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Geist';
  font-style: normal;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/geist-normal-300-600-cyrillic-ext.woff2') format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
@font-face {
  font-family: 'Geist';
  font-style: normal;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/geist-normal-300-600-cyrillic.woff2') format('woff2');
  unicode-range: U+0301, U+0400-045F, U+0490-0491, U+04B0-04B1, U+2116;
}
@font-face {
  font-family: 'Geist';
  font-style: normal;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/geist-normal-300-600-vietnamese.woff2') format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
@font-face {
  font-family: 'Geist';
  font-style: normal;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/geist-normal-300-600-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Geist';
  font-style: normal;
  font-weight: 300 600;
  font-display: swap;
  src: url('fonts/geist-normal-300-600-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('fonts/geist-mono-normal-400-cyrillic-ext.woff2') format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('fonts/geist-mono-normal-400-cyrillic.woff2') format('woff2');
  unicode-range: U+0301, U+0400-045F, U+0490-0491, U+04B0-04B1, U+2116;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('fonts/geist-mono-normal-400-symbols2.woff2') format('woff2');
  unicode-range: U+2000-2001, U+2004-2008, U+200A, U+23B8-23BD, U+2500-259F;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('fonts/geist-mono-normal-400-vietnamese.woff2') format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('fonts/geist-mono-normal-400-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('fonts/geist-mono-normal-400-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('fonts/geist-mono-normal-500-cyrillic-ext.woff2') format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('fonts/geist-mono-normal-500-cyrillic.woff2') format('woff2');
  unicode-range: U+0301, U+0400-045F, U+0490-0491, U+04B0-04B1, U+2116;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('fonts/geist-mono-normal-500-symbols2.woff2') format('woff2');
  unicode-range: U+2000-2001, U+2004-2008, U+200A, U+23B8-23BD, U+2500-259F;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('fonts/geist-mono-normal-500-vietnamese.woff2') format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('fonts/geist-mono-normal-500-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Geist Mono';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('fonts/geist-mono-normal-500-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* ============================================================
   HONG KONG STOCK LOANS — SHARED STYLESHEET
   Refined institutional palette · HK-aware design tokens
   ============================================================ */

/* ---------- Design tokens ---------- */
:root {
  /* Ink palette — institutional dark, navy-undertone */
  --ink:        #0a0e14;
  --ink-2:      #11161f;
  --ink-3:      #1a212d;
  --ink-4:      #232b3a;

  /* Paper — warm off-white (avoiding mourning-white) */
  --paper:      #f4efe2;
  --paper-2:    #ebe5d5;
  --paper-3:    #d8d1bc;

  /* Hairlines */
  --rule:       rgba(244, 239, 226, 0.16);
  --rule-strong:rgba(244, 239, 226, 0.32);
  --rule-soft:  rgba(244, 239, 226, 0.08);

  /* Mute */
  --muted:      #a9a497;
  --muted-2:    #7d7a72;

  /* Brass — subtle gold, prosperity without gauche */
  --brass:      #c4a572;
  --brass-2:    #d8bd86;
  --brass-deep: #a88a5a;

  /* Crimson — accent, sparing */
  --crimson:    #8b1f2b;
  --crimson-2:  #a8303d;

  /* Seal — cinnabar 朱砂, for chop motif */
  --seal:       #b8232f;

  /* Jade — affirmative accent 碧玉 */
  --jade:       #2d5d4f;
  --jade-2:     #3d7a68;

  /* Type stacks */
  --serif:  "Fraunces", "Times New Roman", ui-serif, Georgia, serif;
  --sans:   "Geist", -apple-system, BlinkMacSystemFont, "Helvetica Neue", system-ui, sans-serif;
  --mono:   "Geist Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;

  --serif-cjk: "Source Han Serif HK", "Noto Serif HK", "Songti TC", "Songti HK", "Songti SC", serif;
  --sans-cjk:  "PingFang HK", "PingFang TC", "Microsoft JhengHei", "Noto Sans HK", "Source Han Sans HK", "Helvetica Neue", sans-serif;

  /* Layout */
  --max:    1320px;
  --max-narrow: 920px;
  --max-read:   680px;
  --gutter: clamp(20px, 4vw, 56px);
  --section-y: clamp(80px, 8vw, 140px);
}

/* CJK language overrides */
:lang(zh), :lang(zh-HK), :lang(zh-Hant) {
  --serif: var(--serif-cjk);
  --sans:  var(--sans-cjk);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  background: var(--ink);
  color: var(--paper);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}
img, svg { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }

/* Skip link */
.skip {
  position: absolute; left: -9999px; top: 0;
  background: var(--paper); color: var(--ink);
  padding: 12px 20px; z-index: 1000;
  font-family: var(--mono); font-size: 12px;
  letter-spacing: 0.16em; text-transform: uppercase;
}
.skip:focus { left: 16px; top: 16px; }

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--serif);
  font-weight: 400;
  line-height: 1.15;
  letter-spacing: -0.01em;
  color: var(--paper);
  margin: 0;
}
h1 { font-size: clamp(40px, 6vw, 84px); letter-spacing: -0.025em; }
h2 { font-size: clamp(30px, 4vw, 52px); letter-spacing: -0.02em; }
h3 { font-size: clamp(22px, 2.2vw, 30px); }
h4 { font-size: 18px; font-family: var(--sans); font-weight: 500; }
h5 {
  font-family: var(--mono); font-size: 11px;
  letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--muted); font-weight: 500;
}
em { font-style: italic; color: var(--brass); }
p { color: var(--paper-2); margin: 0 0 1em; }
:lang(zh) p, :lang(zh) li { line-height: 1.85; }

.lede {
  font-size: clamp(17px, 1.3vw, 21px);
  line-height: 1.55;
  color: var(--paper-2);
  max-width: 62ch;
}
:lang(zh) .lede { font-size: clamp(16px, 1.25vw, 19px); line-height: 1.85; max-width: 48ch; }

.eyebrow {
  display: inline-block;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--brass);
  margin-bottom: 18px;
}
.num {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--muted);
}
:lang(zh) .eyebrow, :lang(zh) .num { letter-spacing: 0.18em; }

/* ---------- Layout ---------- */
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 var(--gutter); }
.wrap--narrow { max-width: var(--max-narrow); }
.wrap--read { max-width: var(--max-read); }

.section {
  padding: var(--section-y) 0;
  position: relative;
}
.section--alt { background: var(--ink-2); }
.section--paper {
  background: var(--paper);
  color: var(--ink);
}
.section--paper h1, .section--paper h2, .section--paper h3 { color: var(--ink); }
.section--paper p { color: var(--ink-3); }
.section--paper em { color: var(--crimson); }
.section--paper .eyebrow { color: var(--crimson); }
.section--paper .num { color: var(--muted-2); }

.section__head {
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 64px;
  margin-bottom: 64px;
  align-items: start;
}
.section__head > .num { padding-top: 8px; }

/* ---------- Top utility bar ---------- */
.utility {
  background: var(--ink-3);
  border-bottom: 1px solid var(--rule);
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}
.utility__row {
  display: flex; justify-content: space-between; align-items: center;
  height: 36px;
  color: var(--muted);
}
.utility a { color: var(--paper-2); transition: color 0.2s; }
.utility a:hover { color: var(--brass); }
.utility__right { display: flex; gap: 24px; align-items: center; }
.utility__sep { color: var(--muted-2); }

/* ---------- Topbar nav ---------- */
.topbar {
  position: sticky; top: 0; z-index: 100;
  background: rgba(10, 14, 20, 0.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--rule);
}
.topbar__row {
  display: flex; justify-content: space-between; align-items: center;
  height: 72px;
  gap: 32px;
}
.brand {
  display: flex; align-items: center; gap: 12px;
  font-family: var(--serif);
  font-size: 17px;
  letter-spacing: -0.005em;
  color: var(--paper);
  white-space: nowrap;
}
.brand__text { display: inline; }
.brand__word { white-space: nowrap; }
.brand__seal {
  display: inline-flex; align-items: center; justify-content: center;
  width: 28px; height: 28px;
  background: var(--seal); color: var(--paper);
  font-family: var(--serif); font-size: 14px;
  border-radius: 2px;
  transform: rotate(-2deg);
  box-shadow: inset 0 0 0 1px rgba(244,239,226,0.18);
  flex-shrink: 0;
}
:lang(zh) .brand__seal { font-family: var(--serif-cjk); font-size: 15px; }

nav.primary { display: flex; gap: 28px; align-items: center; }
nav.primary a {
  font-family: var(--sans);
  font-size: 13.5px;
  color: var(--paper-2);
  letter-spacing: 0.01em;
  padding: 6px 0;
  position: relative;
  transition: color 0.2s;
}
nav.primary a:hover, nav.primary a.active { color: var(--paper); }
nav.primary a.active::after {
  content: ""; position: absolute; bottom: -2px; left: 0; right: 0;
  height: 1px; background: var(--brass);
}

/* Dropdown */
.has-dropdown { position: relative; }
.has-dropdown > a::after {
  content: " ▾"; color: var(--muted); font-size: 10px;
}
.dropdown {
  position: absolute; top: 100%; left: -16px;
  background: var(--ink-2);
  border: 1px solid var(--rule);
  min-width: 220px;
  padding: 8px 0;
  opacity: 0; visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.2s, transform 0.2s, visibility 0.2s;
  box-shadow: 0 20px 40px rgba(0,0,0,0.4);
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1; visibility: visible; transform: none;
}
.dropdown a {
  display: block; padding: 12px 20px;
  font-size: 13.5px;
  border-bottom: 1px solid var(--rule-soft);
}
.dropdown a:last-child { border-bottom: 0; }
.dropdown a:hover { background: var(--ink-3); color: var(--brass); }

.topbar__right { display: flex; align-items: center; gap: 20px; }
.lang-toggle {
  display: flex; align-items: center; gap: 6px;
  font-family: var(--mono); font-size: 11px;
  letter-spacing: 0.16em; text-transform: uppercase;
  flex-shrink: 0;
  white-space: nowrap;
}
.lang-toggle a { color: var(--muted); padding: 6px 4px; }
.lang-toggle a.active { color: var(--paper); }
.lang-toggle a:hover { color: var(--brass); }
.lang-toggle .sep { color: var(--muted-2); }

.btn-cta {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 11px 20px;
  background: transparent;
  border: 1px solid var(--brass);
  color: var(--brass);
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  transition: all 0.25s;
  white-space: nowrap;
  flex-shrink: 0;
}
.btn-cta:hover {
  background: var(--brass);
  color: var(--ink);
}

.menu-toggle {
  display: none;
  background: none; border: 0;
  color: var(--paper);
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  padding: 8px 0;
  flex-shrink: 0;
  white-space: nowrap;
}

/* ---------- Hero ---------- */
.hero {
  padding: clamp(56px, 8vw, 110px) 0 clamp(60px, 8vw, 100px);
  position: relative;
  overflow: hidden;
}
.hero__meta {
  display: flex; flex-wrap: wrap; gap: 18px 28px;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 48px;
  align-items: center;
}
.hero__meta span { display: inline-flex; align-items: center; gap: 12px; }
.hero__meta span + span::before {
  content: ""; display: inline-block;
  width: 4px; height: 4px; background: var(--muted-2); border-radius: 50%;
  margin-right: 16px;
}
:lang(zh) .hero__meta { letter-spacing: 0.1em; }

.hero__headline {
  font-family: var(--serif);
  font-size: clamp(44px, 7.5vw, 108px);
  line-height: 0.98;
  letter-spacing: -0.035em;
  margin-bottom: 44px;
  max-width: 16ch;
}
.hero__headline em {
  font-style: italic;
  color: var(--brass);
  font-weight: 400;
}
:lang(zh) .hero__headline {
  font-size: clamp(36px, 5.5vw, 76px);
  line-height: 1.15;
  letter-spacing: -0.01em;
  font-weight: 500;
}
:lang(zh) .hero__headline em { font-style: normal; font-weight: 500; }

.hero__sub {
  font-size: clamp(18px, 1.6vw, 24px);
  line-height: 1.45;
  color: var(--paper);
  max-width: 56ch;
  margin-bottom: 32px;
  font-family: var(--serif);
  font-style: italic;
  font-weight: 300;
}
:lang(zh) .hero__sub {
  font-family: var(--serif-cjk);
  font-style: normal;
  font-weight: 400;
  line-height: 1.7;
}

.hero__positioning {
  font-size: 16px;
  color: var(--paper-2);
  max-width: 60ch;
  line-height: 1.7;
  margin-bottom: 48px;
}
:lang(zh) .hero__positioning { line-height: 1.95; max-width: 46ch; }

.hero__ctas { display: flex; flex-wrap: wrap; gap: 16px; }
.btn-primary, .btn-secondary {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 18px 32px;
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  transition: all 0.25s;
  border: 1px solid transparent;
}
.btn-primary {
  background: var(--crimson);
  color: var(--paper);
  border-color: var(--crimson);
}
.btn-primary:hover {
  background: var(--crimson-2);
  border-color: var(--crimson-2);
}
.btn-secondary {
  background: transparent;
  color: var(--paper);
  border-color: var(--rule-strong);
}
.btn-secondary:hover {
  border-color: var(--brass);
  color: var(--brass);
}

/* Hero (lighter, for inner pages) */
.hero--inner {
  padding: clamp(56px, 7vw, 96px) 0 clamp(40px, 5vw, 64px);
  border-bottom: 1px solid var(--rule);
}
.hero--inner .hero__headline {
  font-size: clamp(40px, 6vw, 76px);
  max-width: 22ch;
  margin-bottom: 28px;
}
.hero--inner .hero__sub {
  font-size: clamp(17px, 1.3vw, 21px);
  margin-bottom: 0;
}

/* ---------- Credibility strip ---------- */
.strip { background: var(--ink-2); border-block: 1px solid var(--rule); }
.strip__grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 1px; background: var(--rule);
}
.strip__cell {
  background: var(--ink-2);
  padding: 32px var(--gutter);
  display: flex; flex-direction: column; gap: 6px;
}
.strip__label {
  font-family: var(--mono); font-size: 10px;
  letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--muted);
}
.strip__value {
  font-family: var(--serif); font-size: clamp(20px, 1.8vw, 26px);
  color: var(--paper);
  letter-spacing: -0.005em;
}
:lang(zh) .strip__value { font-family: var(--serif-cjk); font-weight: 500; }

/* ---------- 印信 chop / seal motif ---------- */
.seal {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px;
  background: var(--seal); color: var(--paper);
  font-family: var(--serif); font-size: 22px;
  border-radius: 2px;
  box-shadow: inset 0 0 0 1px rgba(244, 239, 226, 0.18),
              inset 0 0 12px rgba(0, 0, 0, 0.18);
  transform: rotate(-2deg);
  user-select: none;
  flex-shrink: 0;
}
:lang(zh) .seal { font-family: var(--serif-cjk); font-size: 24px; }
.seal--inline {
  width: 26px; height: 26px; font-size: 13px;
  transform: rotate(-3deg);
  vertical-align: middle;
  margin: 0 4px;
}
:lang(zh) .seal--inline { font-size: 14px; }
.seal--lg {
  width: 64px; height: 64px; font-size: 32px;
}
:lang(zh) .seal--lg { font-size: 36px; }

/* ---------- Grids ---------- */
.capabilities { display: grid; grid-template-columns: 1fr 1fr; gap: 0; margin-top: 24px; }
.capability { padding: 32px 0; border-top: 1px solid var(--rule); }
.capability:nth-child(odd) { border-right: 1px solid var(--rule); padding-right: 32px; }
.capability:nth-child(even) { padding-left: 32px; }
.capability h3 { margin-bottom: 16px; }
.capability p { font-size: 15px; }

.solutions { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--rule-strong); border: 1px solid var(--rule-strong); margin-top: 32px; }
.solution { background: var(--ink-2); padding: 48px 40px; }
.solution h3 { font-size: clamp(26px, 2.4vw, 34px); margin-bottom: 20px; }
.solution h3 em { color: var(--brass); }
.solution p { font-size: 15px; line-height: 1.7; margin-bottom: 24px; }

.steps { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1px; background: var(--rule-strong); border: 1px solid var(--rule-strong); margin-top: 24px; }
.step { background: var(--ink-2); padding: 36px 24px; display: flex; flex-direction: column; gap: 16px; min-height: 280px; }
.step__num {
  font-family: var(--serif);
  font-size: 44px;
  color: var(--brass);
  line-height: 1;
}
.step__label { font-family: var(--mono); font-size: 11px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted); }
:lang(zh) .step__label { letter-spacing: 0.1em; }
.step h3 { font-size: 22px; line-height: 1.2; margin: 0; }
.step p { font-size: 14px; line-height: 1.6; margin: 0; }

.sectors { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--rule); border: 1px solid var(--rule); margin-top: 32px; }
.sector { background: var(--ink); padding: 36px 28px; min-height: 200px; }
.sector__icon {
  display: inline-block;
  font-family: var(--serif); font-style: italic;
  font-size: 22px;
  color: var(--brass);
  margin-bottom: 16px;
}
.sector h4 { font-family: var(--serif); font-size: 18px; line-height: 1.3; margin-bottom: 12px; color: var(--paper); }
:lang(zh) .sector h4 { font-family: var(--serif-cjk); font-weight: 500; }
.sector p { font-size: 13.5px; line-height: 1.6; color: var(--muted); margin: 0; }

/* Pillars list */
.pillars { list-style: none; padding: 0; margin: 0; }
.pillars li {
  display: grid; grid-template-columns: 36px 1fr;
  gap: 16px;
  padding: 14px 0;
  border-top: 1px solid var(--rule);
  font-size: 15px;
}
.pillars li:last-child { border-bottom: 1px solid var(--rule); }
.pillars li > span:first-child {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  color: var(--brass);
  padding-top: 4px;
}

/* Two-column */
.twocol { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; margin-top: 32px; }
.twocol--asym { grid-template-columns: 1fr 1.4fr; }

/* Pull quote */
.pull { border-left: 1px solid var(--brass); padding-left: 40px; }
.pull__quote {
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(22px, 2vw, 30px);
  line-height: 1.4;
  color: var(--paper);
  margin: 0 0 16px;
}
:lang(zh) .pull__quote { font-family: var(--serif-cjk); font-style: normal; font-weight: 500; }
.pull__attr {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
}

/* Card with link */
.card-link {
  display: block;
  border: 1px solid var(--rule);
  background: var(--ink-2);
  padding: 32px;
  transition: all 0.25s;
  position: relative;
}
.card-link:hover { border-color: var(--brass); transform: translateY(-2px); }
.card-link h3 { margin-bottom: 12px; font-size: 22px; }
.card-link p { font-size: 14px; color: var(--muted); margin-bottom: 20px; }
.card-link .arrow {
  font-family: var(--mono); font-size: 11px;
  letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--brass);
}

.cards-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 24px; margin-top: 32px;
}

/* ---------- FAQ ---------- */
.faqs { border-top: 1px solid var(--rule); margin-top: 32px; }
details.faq {
  border-bottom: 1px solid var(--rule);
}
.faq__q {
  list-style: none;
  display: grid;
  grid-template-columns: 64px 1fr 32px;
  gap: 24px;
  align-items: center;
  padding: 28px 0;
  cursor: pointer;
  font-family: var(--serif);
  font-size: clamp(17px, 1.4vw, 21px);
  letter-spacing: -0.005em;
}
:lang(zh) .faq__q { font-family: var(--serif-cjk); font-weight: 500; }
.faq__q::-webkit-details-marker { display: none; }
.faq__plus {
  width: 24px; height: 24px;
  position: relative;
  justify-self: end;
}
.faq__plus::before, .faq__plus::after {
  content: ""; position: absolute; top: 50%; left: 50%;
  background: var(--brass);
  transition: transform 0.3s;
}
.faq__plus::before { width: 14px; height: 1px; transform: translate(-50%, -50%); }
.faq__plus::after { width: 1px; height: 14px; transform: translate(-50%, -50%); }
details.faq[open] .faq__plus::after { transform: translate(-50%, -50%) scaleY(0); }
.faq__a {
  padding: 0 88px 32px 88px;
  color: var(--paper-2);
  font-size: 15.5px;
  line-height: 1.75;
  max-width: 84ch;
}
:lang(zh) .faq__a { line-height: 1.95; }

/* ---------- Form ---------- */
.contact__grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 80px; margin-top: 32px; }
.form { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.field { display: flex; flex-direction: column; gap: 8px; }
.field--full { grid-column: 1 / -1; }
.field label {
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
}
:lang(zh) .field label { letter-spacing: 0.1em; }
.field input, .field textarea, .field select {
  background: transparent;
  border: 0;
  border-bottom: 1px solid var(--rule-strong);
  color: var(--paper);
  font-family: var(--sans);
  font-size: 16px;
  padding: 10px 0;
  -webkit-appearance: none;
}
:lang(zh) .field input, :lang(zh) .field textarea { font-family: var(--sans-cjk); }
.field input:focus, .field textarea:focus, .field select:focus {
  outline: 0;
  border-bottom-color: var(--jade-2);
  background: linear-gradient(to top, rgba(45, 93, 79, 0.06), transparent 40%);
}
.field textarea { resize: vertical; min-height: 90px; }
.submit {
  background: var(--crimson);
  color: var(--paper);
  border: 1px solid var(--crimson);
  padding: 18px 30px;
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  cursor: pointer;
  transition: all 0.25s;
}
.submit:hover { background: var(--crimson-2); border-color: var(--brass); }

/* ---------- Footer ---------- */
footer {
  background: var(--ink-3);
  border-top: 1px solid var(--rule);
  padding: 80px 0 32px;
}
.foot__grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 56px;
  margin-bottom: 56px;
}
.foot h5 { margin-bottom: 18px; }
.foot ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.foot ul a { color: var(--paper-2); font-size: 14px; transition: color 0.2s; }
.foot ul a:hover { color: var(--brass); }
.foot__brand p { font-size: 14px; color: var(--muted); max-width: 42ch; margin-top: 14px; line-height: 1.65; }
:lang(zh) .foot__brand p { line-height: 1.9; }

.disclosure {
  padding-top: 32px;
  border-top: 1px solid var(--rule);
  font-size: 12px;
  color: var(--muted-2);
  line-height: 1.7;
  max-width: 90ch;
}
:lang(zh) .disclosure { line-height: 1.95; }
.disclosure strong { color: var(--muted); font-weight: 500; }

.foot__address {
  display: flex; align-items: flex-start; gap: 22px;
  padding: 28px 0 4px;
  border-top: 1px solid var(--rule);
  margin-top: 8px;
  font-style: normal;
}
.foot__address p {
  font-size: 12.5px; line-height: 1.7;
  color: var(--muted); max-width: 80ch; margin: 0;
}
:lang(zh) .foot__address p { line-height: 1.95; }

.foot__bottom {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 32px; padding-top: 28px;
  border-top: 1px solid var(--rule);
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted-2);
}

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(20px); transition: opacity 0.9s ease, transform 0.9s cubic-bezier(0.16, 1, 0.3, 1); }
.reveal.in { opacity: 1; transform: none; }

/* ================================================================
   RESPONSIVE / MOBILE CLAUSE STRUCTURE
   Five disciplined tiers, each covering layout, typography,
   spacing, touch targets, and component reflow.

     L1  ≤ 1024px   tablet landscape
     L2  ≤  820px   tablet portrait
     L3  ≤  720px   PRIMARY MOBILE  (nav → drawer)
     L4  ≤  560px   small mobile
     L5  ≤  380px   narrow mobile

   Plus: reduced-motion, no-hover (touch-only), and high-contrast.
   ================================================================ */

/* Universal safeguards (apply at every viewport) */
*, *::before, *::after { min-width: 0; }
html, body { overflow-x: hidden; }
img, svg, video, canvas, iframe { max-width: 100%; height: auto; }
.wrap, .wrap--narrow, .wrap--read { width: 100%; }


/* ---------------- L1 · ≤ 1024px · Tablet landscape ---------------- */
@media (max-width: 1024px) {
  :root {
    --section-y: clamp(60px, 7vw, 110px);
  }

  /* Topbar drawer activation: 8 nav items + brand + lang + CTA cannot
     fit in one row even at 1024px. Hide the horizontal nav and switch
     to drawer mode (Menu button + slide-down panel). */
  .topbar__row { gap: 16px; }
  .topbar__right { gap: 14px; }
  .btn-cta { padding: 10px 16px; letter-spacing: 0.14em; }

  /* Stack the EN brand "Hong Kong" / "Stock Loans" on two lines so the
     right-side toggle + CTA + Menu have room. ZH brand (6 CJK chars)
     stays inline naturally. */
  .brand { line-height: 1.05; }
  .brand__text { display: inline-flex; flex-direction: column; gap: 0; }
  .brand__word { font-size: 14px; }
  :lang(zh) .brand__text { display: inline; }

  nav.primary {
    display: none;
    position: fixed;
    top: 72px; left: 0; right: 0;
    max-height: calc(100vh - 72px);
    overflow-y: auto;
    background: var(--ink-2);
    border-top: 1px solid var(--rule);
    border-bottom: 1px solid var(--rule);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 8px var(--gutter) 16px;
    z-index: 99;
    box-shadow: 0 24px 48px rgba(0,0,0,0.45);
  }
  nav.primary.open { display: flex; }
  nav.primary a {
    padding: 16px 0;
    font-size: 16px;
    border-bottom: 1px solid var(--rule-soft);
  }
  nav.primary a:last-child { border-bottom: 0; }
  nav.primary a.active::after { display: none; }

  .menu-toggle { display: inline-flex; }
  .menu-toggle[aria-expanded="true"] { color: var(--brass); }

  /* Layout reflows */
  .strip__grid { grid-template-columns: repeat(2, 1fr); }
  .capabilities { grid-template-columns: 1fr; }
  .capability:nth-child(odd) { border-right: none; padding-right: 0; }
  .capability:nth-child(even) { padding-left: 0; }
  .solutions, .steps { grid-template-columns: 1fr; }
  .sectors { grid-template-columns: repeat(2, 1fr); }
  .twocol, .twocol--asym, .contact__grid { grid-template-columns: 1fr; gap: 40px; }
  .foot__grid { grid-template-columns: 1fr 1fr; }
  .cards-grid { grid-template-columns: 1fr; }
  .section__head { grid-template-columns: 1fr; gap: 20px; margin-bottom: 40px; }

  /* Override inline grid templates on cards/sectors set per-page */
  .cards-grid[style*="grid-template-columns"] { grid-template-columns: 1fr !important; }
  .sectors[style*="grid-template-columns"]   { grid-template-columns: repeat(2, 1fr) !important; }
}


/* ---------------- L2 · ≤ 820px · Tablet portrait ---------------- */
@media (max-width: 820px) {
  :root {
    --section-y: clamp(56px, 6.5vw, 90px);
    --gutter: clamp(20px, 4vw, 40px);
  }

  .hero { padding: clamp(48px, 6.5vw, 88px) 0 clamp(40px, 6vw, 70px); }
  .hero--inner { padding: clamp(44px, 5.5vw, 76px) 0 clamp(28px, 4vw, 48px); }
  .hero__meta { gap: 14px 22px; margin-bottom: 32px; }
  .hero__headline { margin-bottom: 32px; }
  .hero__sub { margin-bottom: 24px; }
  .hero__positioning { margin-bottom: 32px; }

  .pillars li { grid-template-columns: 28px 1fr; gap: 12px; }

  footer { padding: 56px 0 28px; }
  .foot__grid { gap: 40px; margin-bottom: 40px; }
}


/* ---------------- L3 · ≤ 720px · PRIMARY MOBILE ---------------- */
@media (max-width: 720px) {
  :root {
    --section-y: clamp(48px, 11vw, 72px);
    --gutter: 20px;
  }

  body { font-size: 15.5px; line-height: 1.62; }

  /* Header & nav — shrunken mobile topbar (drawer styles inherited from L1) */
  .utility { display: none; }
  .topbar__row { height: 60px; gap: 16px; }
  .brand { font-size: 15.5px; gap: 10px; }
  .brand__seal { width: 26px; height: 26px; font-size: 13px; }

  nav.primary {
    top: 60px;
    max-height: calc(100vh - 60px);
  }

  .topbar__right { gap: 12px; }
  .lang-toggle { font-size: 10.5px; }
  .btn-cta { padding: 9px 14px; font-size: 10.5px; letter-spacing: 0.14em; }

  /* Hero */
  .hero { padding-top: 48px; padding-bottom: 36px; }
  .hero--inner { padding-top: 48px; padding-bottom: 28px; }
  .hero__meta {
    font-size: 10px; letter-spacing: 0.16em;
    gap: 10px 18px; margin-bottom: 24px;
  }
  .hero__meta span + span::before { margin-right: 10px; }
  .hero__headline { margin-bottom: 24px; line-height: 1.05; }
  .hero__sub { font-size: 17px; line-height: 1.45; margin-bottom: 20px; }
  .hero__positioning { font-size: 15px; line-height: 1.65; margin-bottom: 28px; }
  .hero__ctas { gap: 12px; }

  /* Buttons — full-width tap targets */
  .btn-primary, .btn-secondary {
    padding: 16px 22px;
    font-size: 11px;
    letter-spacing: 0.18em;
    width: 100%;
    justify-content: center;
  }

  /* Credibility strip */
  .strip__grid { grid-template-columns: 1fr; gap: 1px; }
  .strip__cell { padding: 22px var(--gutter); }
  .strip__value { font-size: 19px; }

  /* Solutions / steps / sectors */
  .solutions, .steps, .sectors,
  .sectors[style*="grid-template-columns"] { grid-template-columns: 1fr !important; }
  .solution { padding: 32px 24px; }
  .step { padding: 28px 22px; min-height: 0; }
  .step__num { font-size: 36px; }
  .sector { padding: 28px 22px; min-height: 0; }

  /* Cards grid */
  .cards-grid { gap: 16px; }
  .card-link { padding: 24px; }
  .card-link h3 { font-size: 19px; }

  /* Pillars (lists) */
  .pillars li {
    grid-template-columns: 26px 1fr;
    gap: 12px;
    padding: 12px 0;
    font-size: 14.5px;
  }

  /* Two-column */
  .twocol, .twocol--asym, .contact__grid { gap: 32px; }

  /* FAQ */
  .faq__q {
    grid-template-columns: 44px 1fr 22px;
    gap: 12px;
    padding: 22px 0;
    font-size: 16.5px;
  }
  .faq__a { padding: 0 56px 24px 56px; font-size: 14.5px; }

  /* Form */
  .form { grid-template-columns: 1fr; gap: 22px; }
  .field input, .field textarea, .field select { font-size: 16px; }
  .submit { padding: 16px 22px; font-size: 11.5px; width: 100%; justify-content: center; }
  .contact__grid { gap: 32px; }

  /* Pull quote */
  .pull { padding-left: 24px; }

  /* Seal */
  .seal--lg { width: 52px; height: 52px; font-size: 26px; }

  /* Footer */
  footer { padding: 48px 0 24px; }
  .foot__grid { grid-template-columns: 1fr; gap: 32px; margin-bottom: 36px; }
  .foot__address { gap: 16px; padding: 24px 0 0; }
  .foot__bottom {
    flex-direction: column; gap: 14px;
    align-items: flex-start;
    margin-top: 24px; padding-top: 20px;
    font-size: 10.5px;
  }

  /* Legal pages — keep narrow wrap readable */
  [data-page-id="disclosures"] .wrap--read,
  [data-page-id="privacy"]     .wrap--read,
  [data-page-id="terms"]       .wrap--read { padding: 0 var(--gutter); }
}


/* ---------------- L4 · ≤ 560px · Small mobile ---------------- */
@media (max-width: 560px) {
  :root {
    --section-y: clamp(40px, 10vw, 60px);
    --gutter: 16px;
  }

  body { font-size: 15px; }

  .hero__meta {
    font-size: 9.5px; letter-spacing: 0.14em;
    gap: 8px 14px; margin-bottom: 20px;
  }
  .hero__meta span + span::before { width: 3px; height: 3px; margin-right: 8px; }
  .hero__sub { font-size: 16px; }
  .hero__positioning { font-size: 14.5px; }

  /* Section heads — kill the explicit 200px column reservation */
  .section__head > .num { padding-top: 0; }

  /* FAQ tighter */
  .faq__q {
    grid-template-columns: 36px 1fr 20px;
    gap: 10px;
    padding: 18px 0;
    font-size: 15.5px;
  }
  .faq__a { padding: 0 46px 20px 46px; font-size: 14px; line-height: 1.7; }
  .faq__plus::before { width: 12px; }
  .faq__plus::after  { height: 12px; }

  /* Card link tighter */
  .card-link { padding: 20px; }
  .card-link h3 { font-size: 18px; }
  .card-link p { font-size: 13.5px; }

  /* Strip */
  .strip__cell { padding: 18px var(--gutter); }
  .strip__value { font-size: 17px; }

  /* Pillars even tighter */
  .pillars li {
    grid-template-columns: 22px 1fr;
    gap: 10px;
    font-size: 14px;
  }

  /* Solution / step / sector */
  .solution { padding: 28px 20px; }
  .step { padding: 24px 18px; gap: 12px; }
  .step__num { font-size: 32px; }
  .sector { padding: 24px 18px; }

  /* Buttons */
  .btn-cta { padding: 8px 12px; font-size: 10px; letter-spacing: 0.12em; }

  /* Form */
  .field input, .field textarea { padding: 9px 0; }

  /* Disclosure/legal body text */
  [data-page-id="disclosures"] p,
  [data-page-id="privacy"]     p,
  [data-page-id="terms"]       p { font-size: 14px; line-height: 1.7; }

  /* Brand line on mobile drawer */
  .brand { font-size: 14.5px; }
  .brand__seal { width: 24px; height: 24px; font-size: 12px; }
}


/* ---------------- L5 · ≤ 380px · Narrow mobile ---------------- */
@media (max-width: 380px) {
  :root {
    --section-y: 40px;
    --gutter: 14px;
  }

  body { font-size: 14.5px; line-height: 1.6; }

  .topbar__row { height: 56px; gap: 8px; }
  nav.primary { top: 56px; max-height: calc(100vh - 56px); }

  /* Drop the language toggle separator on the smallest viewports */
  .lang-toggle .sep { margin: 0 2px; }
  /* On the narrowest screens (≤380px), hide the CTA button entirely —
     the menu drawer + the Contact tab in nav still reach the contact page,
     and the topbar has no room for the button without wrapping/clipping. */
  .btn-cta { display: none; }

  .hero__headline { letter-spacing: -0.02em; }
  .hero__sub, .hero__positioning { max-width: 100%; }

  .faq__q {
    grid-template-columns: 32px 1fr 18px;
    font-size: 15px;
  }
  .faq__a { padding: 0 34px 18px 34px; }

  .step__label, .strip__label { letter-spacing: 0.14em; }

  .card-link { padding: 18px; }

  .seal { width: 38px; height: 38px; font-size: 18px; }
  .seal--lg { width: 44px; height: 44px; font-size: 22px; }
  .seal--inline { width: 22px; height: 22px; font-size: 11px; }
}


/* ---------------- Accessibility / input modality ---------------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    transition: none !important;
    animation: none !important;
  }
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* Touch-only devices — remove hover lift, retain focus styles */
@media (hover: none) {
  .card-link:hover { transform: none; border-color: var(--rule); }
  nav.primary a:hover, .utility a:hover,
  .foot ul a:hover, .lang-toggle a:hover { color: inherit; }
  .btn-cta:hover { background: transparent; color: var(--brass); }
  .btn-primary:hover { background: var(--crimson); border-color: var(--crimson); }
  .btn-secondary:hover { border-color: var(--rule-strong); color: var(--paper); }
}

@media (prefers-contrast: more) {
  :root {
    --rule: rgba(244, 239, 226, 0.32);
    --rule-strong: rgba(244, 239, 226, 0.55);
    --muted: #c4bfb1;
  }
}