:root {
  --navy-deep: #0a1e38;
  --navy: #142b4c;
  --navy-light: #1f3d63;
  --navy-soft: #2d4a6e;
  --gold: #b8956a;
  --gold-light: #d4b896;
  --gold-dark: #8b6f4e;
  --ivory: #faf7f0;
  --cream: #ede5d4;
  --paper: #f5f1e8;
  --ink: #1a1a1a;
  --ink-soft: #3a3a3a;
  --ink-light: #5a5a5a;
  --line: rgba(184, 149, 106, 0.25);
  --line-strong: rgba(184, 149, 106, 0.5);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Shippori Mincho', 'Noto Serif JP', serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.95;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

.container {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 48px;
}

.container-narrow {
  max-width: 920px;
  margin: 0 auto;
  padding: 0 48px;
}

/* ============ HEADER ============ */
header {
  position: fixed;
  top: 0; left: 0; right: 0;
  background: rgba(10, 30, 56, 0.92);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  z-index: 100;
  padding: 22px 0;
  border-bottom: 1px solid rgba(184, 149, 106, 0.15);
  transition: padding 0.3s;
}

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

.logo {
  color: var(--ivory);
  font-family: 'Cormorant Garamond', serif;
  font-size: 26px;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-decoration: none;
  display: flex;
  align-items: baseline;
  gap: 10px;
}

.logo .plus {
  color: var(--gold);
  font-style: italic;
}

.logo-tag {
  font-size: 10px;
  letter-spacing: 0.3em;
  color: var(--gold-light);
  font-family: 'Cormorant Garamond', serif;
  font-weight: 400;
  text-transform: uppercase;
  margin-left: 6px;
}

.nav-links {
  display: flex;
  gap: 38px;
  list-style: none;
}

.nav-links a {
  color: var(--ivory);
  text-decoration: none;
  font-size: 13px;
  letter-spacing: 0.15em;
  transition: color 0.4s;
  position: relative;
  padding: 4px 0;
}

.nav-links a::after {
  content: '';
  position: absolute;
  left: 0; bottom: -2px;
  width: 0; height: 1px;
  background: var(--gold);
  transition: width 0.4s ease;
}

.nav-links a:hover { color: var(--gold-light); }
.nav-links a:hover::after { width: 100%; }
.nav-links a.active { color: var(--gold-light); }
.nav-links a.active::after { width: 100%; }

.nav-cta {
  background: transparent;
  border: 1px solid var(--gold);
  color: var(--gold-light);
  padding: 10px 24px;
  font-size: 12px;
  letter-spacing: 0.2em;
  cursor: pointer;
  transition: all 0.4s;
  font-family: 'Shippori Mincho', serif;
  text-decoration: none;
}

.nav-cta:hover {
  background: var(--gold);
  color: var(--ivory);
}

/* ============ PAGE HERO ============ */
.page-hero {
  background: var(--navy-deep);
  color: var(--ivory);
  padding: 200px 0 120px;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 30% 20%, rgba(184, 149, 106, 0.15) 0%, transparent 60%),
    radial-gradient(circle at 70% 80%, rgba(184, 149, 106, 0.08) 0%, transparent 60%);
  pointer-events: none;
}

.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold) 50%, transparent);
}

.breadcrumb {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  font-size: 13px;
  letter-spacing: 0.25em;
  color: var(--gold-light);
  margin-bottom: 32px;
  position: relative;
  z-index: 1;
}

.breadcrumb a {
  color: var(--gold-light);
  text-decoration: none;
  transition: color 0.3s;
}

.breadcrumb a:hover { color: var(--ivory); }

.breadcrumb .sep {
  margin: 0 12px;
  color: var(--gold);
}

.page-hero h1 {
  font-family: 'Shippori Mincho', serif;
  font-size: clamp(32px, 4.5vw, 60px);
  font-weight: 500;
  line-height: 1.5;
  letter-spacing: 0.04em;
  margin-bottom: 28px;
  position: relative;
  z-index: 1;
}

.page-hero h1 .accent {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  color: var(--gold-light);
  font-weight: 400;
}

.page-hero .en-sub {
  display: block;
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  font-size: 0.4em;
  color: var(--gold-light);
  letter-spacing: 0.3em;
  margin-top: 16px;
  font-weight: 300;
  text-transform: uppercase;
}

.page-hero p {
  font-size: 17px;
  line-height: 2.3;
  color: rgba(248, 244, 237, 0.85);
  max-width: 720px;
  position: relative;
  z-index: 1;
}

/* ============ SECTION BASE ============ */
section.content {
  padding: 140px 0;
  position: relative;
}

.sec-label {
  display: flex;
  align-items: center;
  gap: 16px;
  font-family: 'Cormorant Garamond', serif;
  color: var(--gold-dark);
  letter-spacing: 0.4em;
  font-size: 12px;
  margin-bottom: 28px;
  text-transform: uppercase;
}

.sec-label::before {
  content: '';
  width: 40px; height: 1px;
  background: var(--gold);
}

.sec-num {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  font-size: 14px;
  color: var(--gold);
  margin-left: 4px;
}

.sec-title {
  font-family: 'Shippori Mincho', serif;
  font-size: clamp(28px, 3.6vw, 46px);
  font-weight: 500;
  line-height: 1.5;
  color: var(--navy-deep);
  margin-bottom: 36px;
  letter-spacing: 0.03em;
}

.sec-title .en-sub {
  display: block;
  font-family: 'Cormorant Garamond', serif;
  font-size: 0.4em;
  color: var(--gold-dark);
  letter-spacing: 0.3em;
  font-style: italic;
  margin-top: 16px;
  font-weight: 300;
  text-transform: uppercase;
}

.sec-lead {
  font-size: 17px;
  line-height: 2.3;
  color: var(--ink-soft);
  max-width: 760px;
  margin-bottom: 64px;
}

/* ============ PROBLEM ============ */
.problem-bank {
  background: var(--paper);
}

.dual-risk {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--line-strong);
  border: 1px solid var(--line-strong);
  margin-top: 56px;
}

.dual-risk-card {
  background: var(--paper);
  padding: 56px 52px;
}

.dual-risk-num {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  font-size: 64px;
  font-weight: 300;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 24px;
}

.dual-risk-card h3 {
  font-family: 'Shippori Mincho', serif;
  font-size: 24px;
  color: var(--navy-deep);
  margin-bottom: 20px;
  font-weight: 600;
  letter-spacing: 0.03em;
}

.dual-risk-card p {
  font-size: 15px;
  line-height: 2.1;
  color: var(--ink-soft);
}

.dual-risk-link {
  display: inline-block;
  margin-top: 24px;
  font-size: 13px;
  color: var(--gold-dark);
  letter-spacing: 0.1em;
  text-decoration: none;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 4px;
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
}

/* ============ THREE FUNCTIONS ============ */
.functions {
  background: var(--navy-deep);
  color: var(--ivory);
  position: relative;
  overflow: hidden;
}

.functions .sec-title { color: var(--ivory); }
.functions .sec-label { color: var(--gold-light); }
.functions .sec-lead { color: rgba(248, 244, 237, 0.82); }

.func-list {
  margin-top: 80px;
}

.func-item {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 56px;
  padding: 56px 0;
  border-bottom: 1px solid rgba(184, 149, 106, 0.2);
  align-items: start;
}

.func-item:last-child { border-bottom: none; }

.func-num-block {
  font-family: 'Cormorant Garamond', serif;
}

.func-num {
  font-size: 88px;
  font-weight: 300;
  color: var(--gold);
  line-height: 1;
  font-style: italic;
}

.func-num-en {
  display: block;
  font-size: 13px;
  letter-spacing: 0.25em;
  color: var(--gold-light);
  margin-top: 12px;
  text-transform: uppercase;
}

.func-content h3 {
  font-family: 'Shippori Mincho', serif;
  font-size: 26px;
  font-weight: 500;
  margin-bottom: 8px;
  letter-spacing: 0.04em;
}

.func-content .en {
  display: block;
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  color: var(--gold-light);
  font-size: 15px;
  letter-spacing: 0.2em;
  margin-bottom: 28px;
}

.func-content p {
  font-size: 16px;
  line-height: 2.2;
  color: rgba(248, 244, 237, 0.82);
  max-width: 720px;
}

/* ============ ONSHORE / OFFSHORE ============ */
.terminology {
  background: var(--ivory);
}

.term-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  margin-top: 72px;
}

.term-card {
  background: var(--paper);
  padding: 48px 44px;
  border-left: 3px solid var(--gold);
}

.term-card h3 {
  font-family: 'Shippori Mincho', serif;
  font-size: 22px;
  color: var(--navy-deep);
  margin-bottom: 12px;
  font-weight: 600;
}

.term-card .en-label {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  color: var(--gold-dark);
  font-size: 14px;
  letter-spacing: 0.2em;
  margin-bottom: 24px;
  display: block;
}

.term-card p {
  font-size: 15px;
  line-height: 2.1;
  color: var(--ink-soft);
}

.term-note {
  margin-top: 56px;
  padding: 36px 40px;
  background: var(--cream);
  border-top: 1px solid var(--gold);
  border-bottom: 1px solid var(--gold);
}

.term-note h4 {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  color: var(--gold-dark);
  font-size: 13px;
  letter-spacing: 0.25em;
  margin-bottom: 16px;
  text-transform: uppercase;
}

.term-note p {
  font-size: 14px;
  line-height: 2;
  color: var(--ink-soft);
  margin-bottom: 12px;
}

.term-note p:last-child { margin-bottom: 0; }

/* ============ SELECTED BANK ============ */
.selected-bank {
  background: var(--paper);
}

.criteria-list {
  margin-top: 64px;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.criteria-item {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 36px;
  padding: 40px 0;
  border-top: 1px solid var(--line);
  align-items: start;
}

.criteria-item:last-child { border-bottom: 1px solid var(--line); }

.criteria-num {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  font-size: 36px;
  color: var(--gold);
  font-weight: 300;
  line-height: 1;
  text-align: center;
}

.criteria-content h3 {
  font-family: 'Shippori Mincho', serif;
  font-size: 20px;
  color: var(--navy-deep);
  margin-bottom: 12px;
  font-weight: 600;
  letter-spacing: 0.03em;
}

.criteria-content p {
  font-size: 15px;
  line-height: 2;
  color: var(--ink-soft);
  max-width: 760px;
}

.bank-profile {
  margin-top: 80px;
  background: var(--navy-deep);
  color: var(--ivory);
  padding: 60px 56px;
  position: relative;
  overflow: hidden;
}

.bank-profile::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold) 50%, transparent);
}

.bank-profile-label {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  color: var(--gold-light);
  font-size: 13px;
  letter-spacing: 0.3em;
  margin-bottom: 16px;
  text-transform: uppercase;
}

.bank-profile h3 {
  font-family: 'Shippori Mincho', serif;
  font-size: 28px;
  margin-bottom: 8px;
  font-weight: 500;
}

.bank-profile-en {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  color: var(--gold);
  font-size: 16px;
  letter-spacing: 0.15em;
  margin-bottom: 36px;
  display: block;
}

.bank-info-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px 56px;
  margin-top: 32px;
}

.bank-info-item {
  border-top: 1px solid rgba(184, 149, 106, 0.3);
  padding-top: 16px;
}

.bank-info-label {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  color: var(--gold-light);
  font-size: 12px;
  letter-spacing: 0.25em;
  display: block;
  margin-bottom: 8px;
  text-transform: uppercase;
}

.bank-info-value {
  font-family: 'Shippori Mincho', serif;
  font-size: 18px;
  color: var(--ivory);
}

/* ============ VERIFICATION VIDEOS ============ */
.verification {
  background: var(--navy-deep);
  color: var(--ivory);
  position: relative;
}

.verification::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold) 50%, transparent);
}

.verification .sec-title { color: var(--ivory); }
.verification .sec-label { color: var(--gold-light); }
.verification .sec-lead { color: rgba(248, 244, 237, 0.82); }

.verification-intro-quote {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  font-size: 22px;
  color: var(--gold-light);
  margin: 56px 0;
  padding: 32px 40px;
  border-left: 3px solid var(--gold);
  letter-spacing: 0.05em;
  line-height: 1.8;
}

.video-list {
  margin-top: 80px;
  display: flex;
  flex-direction: column;
  gap: 64px;
}

.video-item {
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 56px;
  align-items: start;
}

.video-chapter {
  position: relative;
  padding-top: 8px;
}

.video-chapter-label {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  color: var(--gold);
  font-size: 14px;
  letter-spacing: 0.3em;
  margin-bottom: 12px;
  text-transform: uppercase;
}

.video-chapter-roman {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  font-size: 72px;
  color: var(--gold-light);
  font-weight: 300;
  line-height: 1;
  margin-bottom: 16px;
}

.video-chapter-jp {
  font-family: 'Shippori Mincho', serif;
  font-size: 18px;
  color: var(--ivory);
  font-weight: 600;
  letter-spacing: 0.05em;
}

.video-content {
  position: relative;
}

.video-title {
  font-family: 'Shippori Mincho', serif;
  font-size: 22px;
  color: var(--ivory);
  margin-bottom: 16px;
  font-weight: 500;
  letter-spacing: 0.03em;
  line-height: 1.6;
}

.video-meta {
  font-size: 13px;
  color: var(--gold-light);
  margin-bottom: 24px;
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  letter-spacing: 0.1em;
}

.video-caption {
  font-size: 15px;
  line-height: 2.1;
  color: rgba(248, 244, 237, 0.82);
  margin-bottom: 32px;
  max-width: 720px;
}

.video-embed {
  position: relative;
  width: 100%;
  padding-bottom: 56.25%;
  background: #000;
  border: 1px solid rgba(184, 149, 106, 0.3);
  margin-bottom: 24px;
}

.video-embed iframe {
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 100%;
}

.video-link {
  display: inline-block;
  font-size: 12px;
  color: var(--gold-light);
  letter-spacing: 0.15em;
  text-decoration: none;
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 2px;
}

.video-disclaimer {
  margin-top: 64px;
  padding: 32px 40px;
  border: 1px solid rgba(184, 149, 106, 0.25);
  background: rgba(184, 149, 106, 0.04);
}

.video-disclaimer p {
  font-size: 13px;
  line-height: 1.95;
  color: rgba(248, 244, 237, 0.65);
  margin-bottom: 8px;
  font-style: italic;
}

.video-disclaimer p:last-child { margin-bottom: 0; }

/* ============ ACCOUNT FLOW ============ */
.flow {
  background: var(--ivory);
}

.flow-steps {
  margin-top: 72px;
  position: relative;
}

.flow-steps::before {
  content: '';
  position: absolute;
  left: 39px;
  top: 32px;
  bottom: 32px;
  width: 1px;
  background: var(--gold);
  opacity: 0.4;
}

.flow-step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 36px;
  margin-bottom: 48px;
  position: relative;
}

.flow-step:last-child { margin-bottom: 0; }

.flow-step-num {
  width: 80px; height: 80px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  font-size: 28px;
  color: var(--gold-dark);
  background: var(--ivory);
  position: relative;
  z-index: 1;
}

.flow-step-content {
  padding-top: 16px;
}

.flow-step-content h3 {
  font-family: 'Shippori Mincho', serif;
  font-size: 20px;
  color: var(--navy-deep);
  margin-bottom: 12px;
  font-weight: 600;
}

.flow-step-content p {
  font-size: 15px;
  line-height: 2;
  color: var(--ink-soft);
  max-width: 720px;
}

/* ============ FAQ ============ */
.faq {
  background: var(--paper);
}

.faq-list {
  margin-top: 64px;
  border-top: 1px solid var(--line);
}

.faq-item {
  border-bottom: 1px solid var(--line);
}

.faq-question {
  padding: 28px 0;
  cursor: pointer;
  display: flex;
  align-items: flex-start;
  gap: 24px;
  transition: color 0.3s;
}

.faq-question:hover { color: var(--gold-dark); }

.faq-q-mark {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  font-size: 22px;
  color: var(--gold);
  flex-shrink: 0;
  line-height: 1.4;
  width: 30px;
}

.faq-q-text {
  font-family: 'Shippori Mincho', serif;
  font-size: 17px;
  color: var(--navy-deep);
  font-weight: 600;
  flex: 1;
  letter-spacing: 0.02em;
  line-height: 1.7;
}

.faq-toggle {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  color: var(--gold);
  font-size: 22px;
  flex-shrink: 0;
  transition: transform 0.4s;
}

.faq-item.open .faq-toggle { transform: rotate(45deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.5s ease;
}

.faq-item.open .faq-answer {
  max-height: 800px;
}

.faq-answer-inner {
  padding: 0 0 32px 54px;
  display: flex;
  align-items: flex-start;
  gap: 24px;
}

.faq-a-mark {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  font-size: 22px;
  color: var(--gold-dark);
  flex-shrink: 0;
  line-height: 1.4;
  width: 30px;
}

.faq-a-text {
  font-size: 15px;
  line-height: 2.1;
  color: var(--ink-soft);
  flex: 1;
}

/* ============ INTRO POSITIONING (Office stance) ============ */
.intro-position {
  background: var(--ivory);
}

.intro-position-inner {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
  padding: 0 24px;
}

.intro-position p {
  font-size: 16px;
  line-height: 2.2;
  color: var(--ink-soft);
  margin-bottom: 24px;
}

.intro-position-link {
  display: inline-block;
  margin-top: 16px;
  font-size: 13px;
  color: var(--gold-dark);
  letter-spacing: 0.15em;
  text-decoration: none;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 4px;
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
}

/* ============ CONSULTATION ============ */
.consultation {
  background: var(--navy-deep);
  color: var(--ivory);
  position: relative;
  overflow: hidden;
}

.consultation::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 30%, rgba(184, 149, 106, 0.08) 0%, transparent 50%),
    radial-gradient(circle at 80% 70%, rgba(184, 149, 106, 0.06) 0%, transparent 50%);
  pointer-events: none;
}

.consultation .container { position: relative; z-index: 1; }
.consultation .sec-title { color: var(--ivory); }
.consultation .sec-label { color: var(--gold-light); }

.consultation-content {
  max-width: 760px;
}

.consultation-content p {
  font-size: 16px;
  line-height: 2.2;
  color: rgba(248, 244, 237, 0.82);
  margin-bottom: 24px;
}

.cta-buttons {
  display: flex;
  gap: 20px;
  margin-top: 56px;
  flex-wrap: wrap;
}

.cta-btn {
  flex: 1;
  min-width: 220px;
  padding: 22px 36px;
  text-align: center;
  font-size: 14px;
  letter-spacing: 0.2em;
  text-decoration: none;
  border: 1px solid var(--gold);
  color: var(--gold-light);
  background: transparent;
  transition: all 0.4s;
  font-family: 'Shippori Mincho', serif;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}

.cta-btn::before {
  content: '';
  position: absolute;
  inset: 0;
  background: var(--gold);
  transform: translateY(100%);
  transition: transform 0.5s ease;
  z-index: 0;
}

.cta-btn:hover::before { transform: translateY(0); }

.cta-btn span {
  position: relative;
  z-index: 1;
  transition: color 0.3s;
}

.cta-btn:hover span { color: var(--ivory); }

.cta-btn.primary {
  background: var(--gold);
  color: var(--ivory);
}
.cta-btn.primary::before { background: var(--gold-dark); }

/* ============ FOOTER ============ */
footer {
  background: #050f1d;
  color: rgba(248, 244, 237, 0.7);
  padding: 96px 0 48px;
  border-top: 1px solid rgba(184, 149, 106, 0.15);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr 1fr;
  gap: 56px;
  margin-bottom: 80px;
}

.footer-brand .logo { margin-bottom: 28px; }
.footer-brand p {
  font-size: 13px;
  line-height: 2;
  color: rgba(248, 244, 237, 0.5);
}

.footer-col h4 {
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
  color: var(--gold);
  font-size: 14px;
  letter-spacing: 0.25em;
  margin-bottom: 24px;
  text-transform: uppercase;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(184, 149, 106, 0.2);
}

.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 14px; }
.footer-col a {
  color: rgba(248, 244, 237, 0.65);
  text-decoration: none;
  font-size: 13px;
  letter-spacing: 0.05em;
  transition: color 0.3s;
}
.footer-col a:hover { color: var(--gold-light); }

.footer-bottom {
  padding-top: 32px;
  border-top: 1px solid rgba(184, 149, 106, 0.15);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}

.footer-bottom p {
  font-family: 'Cormorant Garamond', serif;
  font-size: 12px;
  letter-spacing: 0.15em;
  color: rgba(248, 244, 237, 0.4);
}

.footer-disclaimer {
  font-size: 11px;
  color: rgba(248, 244, 237, 0.4);
  line-height: 1.8;
  margin-top: 24px;
  max-width: 900px;
}

.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 1s, transform 1s;
}
.reveal.in-view {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 980px) {
  .container, .container-narrow { padding: 0 28px; }
  .nav-links { display: none; }
  section.content { padding: 80px 0; }
  .page-hero { padding: 140px 0 80px; }

  .dual-risk { grid-template-columns: 1fr; }
  .term-grid { grid-template-columns: 1fr; gap: 24px; }
  .bank-info-grid { grid-template-columns: 1fr; }
  .func-item { grid-template-columns: 1fr; gap: 24px; }
  .func-num { font-size: 56px; }
  .video-item { grid-template-columns: 1fr; gap: 16px; }
  .video-chapter-roman { font-size: 48px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .cta-buttons { flex-direction: column; }
  .cta-btn { width: 100%; }
}

.demo-banner {
  position: fixed;
  bottom: 20px; right: 20px;
  background: var(--navy-deep);
  color: var(--gold-light);
  padding: 12px 20px;
  font-size: 11px;
  letter-spacing: 0.2em;
  z-index: 1000;
  border: 1px solid var(--gold);
  font-family: 'Cormorant Garamond', serif;
  font-style: italic;
}