/* =========================================================
   BEHAVIORAL FINANCE — PAGE-SPECIFIC STYLES
   SA HEDGE FUND
   ========================================================= */
/* =========================================================
   BEHAVIORAL FINANCE
   GLOBAL SECTION ALIGNMENT & SPACING
   ========================================================= */

/* ---------- CENTERED SECTION CONTENT ---------- */

.behavioral-finance-root .behavioral-finance-section-head {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.behavioral-finance-root .behavioral-finance-section-head h2,
.behavioral-finance-root .behavioral-finance-section-head p {
  text-align: center;
}

.behavioral-finance-root .behavioral-finance-eyebrow {
  justify-content: center;
}


/* ---------- CENTERED SECTION LEDE / INTRO COPY ---------- */

.behavioral-finance-root .behavioral-finance-lede,
.behavioral-finance-root .behavioral-finance-behind-lede {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}


/* ---------- BEHIND / WHY BEHAVIOUR MATTERS ---------- */

.behavioral-finance-root .behavioral-finance-behind .behavioral-finance-section-head {
  margin-bottom: 32px;
}

.behavioral-finance-root .behavioral-finance-behind-lede {
  margin-bottom: clamp(64px, 7vw, 76px);
}


/* ---------- BIASES / RECOGNISING THE PATTERN ---------- */

.behavioral-finance-root .behavioral-finance-biases .behavioral-finance-section-head {
  margin-bottom: clamp(44px, 5.5vw, 56px);
}

.behavioral-finance-root .behavioral-finance-biases-close {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
  margin-top: clamp(56px, 6vw, 68px);
}


/* ---------- DECISION POINTS ---------- */

.behavioral-finance-root .behavioral-finance-points .behavioral-finance-section-head {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}


/* ---------- BETTER DECISION PROCESS ---------- */

.behavioral-finance-root .behavioral-finance-framework .behavioral-finance-section-head {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
  margin-bottom: 0;
}

.behavioral-finance-root .behavioral-finance-framework-lede {
  margin: 24px auto clamp(60px, 7vw, 76px);
  text-align: center;
}


/* ---------- WHERE WE APPLY IT ---------- */

.behavioral-finance-root .behavioral-finance-practice .behavioral-finance-section-head {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}


/* ---------- RESEARCH / INSIGHTS ---------- */

.behavioral-finance-root .behavioral-finance-research .behavioral-finance-section-head {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}


/* ---------- GENERAL CENTERED NOTE / STATEMENT ---------- */

.behavioral-finance-root .behavioral-finance-biases-close,
.behavioral-finance-root .behavioral-finance-framework-lede {
  text-align: center;
}


/* =========================================================
   GLOBAL VERTICAL RHYTHM
   ========================================================= */

/* Keep headings and their supporting copy visually separated */

.behavioral-finance-root .behavioral-finance-section-head h2 {
  margin-bottom: 0;
}

.behavioral-finance-root .behavioral-finance-section-head + p {
  margin-top: 24px;
}


/* Prevent sections from visually collapsing into the next element */

.behavioral-finance-root .behavioral-finance-behind-grid,
.behavioral-finance-root .behavioral-finance-biases-grid,
.behavioral-finance-root .behavioral-finance-points-grid,
.behavioral-finance-root .behavioral-finance-practice-grid,
.behavioral-finance-root .behavioral-finance-research-grid {
  margin-top: 0;
}


/* =========================================================
   HERO — EXCEPTION
   ========================================================= */

/*
 * Hero is intentionally LEFT aligned.
 * Do not inherit the centered section rules above.
 */

.behavioral-finance-root .behavioral-finance-hero-inner,
.behavioral-finance-root .behavioral-finance-hero h1,
.behavioral-finance-root .behavioral-finance-hero-statement,
.behavioral-finance-root .behavioral-finance-hero-sub {
  text-align: left;
}

.behavioral-finance-root .behavioral-finance-hero-eyebrow {
  justify-content: flex-start;
}
/* =========================================================
   TOKENS
   Scoped to .behavioral-finance-root so nothing leaks into
   the host application's own CSS variables.
   ========================================================= */

.behavioral-finance-root{
  --navy:#0B1F33;
  --navy-deep:#071523;
  --navy-raise:#112A44;

  --gold:#C9A24D;
  --gold-dim:rgba(201,162,77,0.28);
  --gold-dark:#9A7A34;

  --cream:#F3EFE7;
  --neutral:#F3F1ED;

  --on-navy:#F3EFE7;
  --on-navy-mute:#9FAFC2;

  --on-cream:#0B1F33;
  --on-cream-mute:#5A6579;

  --good:#5B8A6B;
  --warn:#B5502E;

  --max:1220px;
  --gutter:clamp(20px,4vw,48px);
  --read:720px;
}


/* =========================================================
   BASE
   ========================================================= */

.behavioral-finance-root,
.behavioral-finance-root *{
  box-sizing:border-box;
}

.behavioral-finance-root{
  background:var(--cream);
  color:var(--on-cream);
  font-family:'Inter',sans-serif;
  -webkit-font-smoothing:antialiased;
}

.behavioral-finance-root h1,
.behavioral-finance-root h2,
.behavioral-finance-root h3,
.behavioral-finance-root h4,
.behavioral-finance-root .serif{
  font-family:'Playfair Display',serif;
  font-weight:600;
  margin:0;
}

.behavioral-finance-root p{
  margin:0;
}

.behavioral-finance-root a{
  color:inherit;
  text-decoration:none;
}

.behavioral-finance-root ::selection{
  background:var(--gold);
  color:var(--navy-deep);
}

.behavioral-finance-root label{
  font-family:'Inter',sans-serif;
}

.behavioral-finance-wrap{
  max-width:var(--max);
  margin:0 auto;
  padding:0 var(--gutter);
}


/* =========================================================
   ACCESSIBILITY
   ========================================================= */

.behavioral-finance-root .skip-link{
  position:absolute;
  left:-9999px;
  top:0;
  z-index:200;
  background:var(--gold);
  color:var(--navy-deep);
  padding:12px 20px;
  font-size:0.85rem;
  font-weight:600;
}

.behavioral-finance-root .skip-link:focus{
  left:16px;
  top:16px;
}

.behavioral-finance-root a:focus-visible,
.behavioral-finance-root button:focus-visible,
.behavioral-finance-root summary:focus-visible,
.behavioral-finance-root select:focus-visible,
.behavioral-finance-root input:focus-visible{
  outline:2px solid var(--gold);
  outline-offset:3px;
}


/* =========================================================
   EYEBROWS
   ========================================================= */

.behavioral-finance-eyebrow{
  display:inline-flex;
  align-items:center;
  gap:10px;
  font-size:0.74rem;
  letter-spacing:0.16em;
  text-transform:uppercase;
  color:var(--gold-dark);
  margin-bottom:20px;
}

.behavioral-finance-eyebrow::before{
  content:'';
  width:24px;
  height:1px;
  background:var(--gold-dark);
}

.behavioral-finance-eyebrow-light{
  color:var(--gold);
}

.behavioral-finance-eyebrow-light::before{
  background:var(--gold);
}


/* =========================================================
   BUTTONS
   ========================================================= */

.behavioral-finance-btn{
  display:inline-flex;
  align-items:center;
  gap:10px;
  min-height:48px;
  padding:0 26px;
  font-size:0.86rem;
  letter-spacing:0.02em;
  transition:all .25s ease;
  border:1px solid transparent;
  cursor:pointer;
  font-family:'Inter',sans-serif;
  background:none;
}

.behavioral-finance-btn-primary{
  background:var(--gold);
  color:var(--navy-deep);
  font-weight:500;
}

.behavioral-finance-btn-primary:hover{
  background:#dcb769;
}

.behavioral-finance-btn-primary[aria-disabled="true"]{
  background:rgba(201,162,77,0.35);
  color:rgba(7,21,35,0.55);
  cursor:not-allowed;
  pointer-events:none;
}

.behavioral-finance-btn-line{
  border-bottom:1px solid rgba(11,31,51,0.25);
  padding:0 0 4px;
  color:var(--on-cream);
}

.behavioral-finance-btn-line:hover{
  border-color:var(--gold-dark);
  color:var(--gold-dark);
}

.behavioral-finance-btn-line-light{
  border-color:rgba(243,239,231,0.35);
  color:var(--on-navy);
}

.behavioral-finance-btn-line-light:hover{
  color:var(--gold);
  border-color:var(--gold);
}

.behavioral-finance-btn:hover .behavioral-finance-arrow{
  transform:translateX(3px);
}

.behavioral-finance-arrow{
  transition:transform .25s ease;
  display:inline-block;
}


/* =========================================================
   SECTION HEAD
   ========================================================= */

.behavioral-finance-section-head{
  max-width:660px;
}

.behavioral-finance-section-head h2{
  font-size:clamp(1.5rem,2.8vw,2.05rem);
}

.behavioral-finance-lede{
  font-size:1rem;
  line-height:1.75;
  color:var(--on-cream-mute);
  max-width:64ch;
  margin-top:16px;
}


/* =========================================================
   BREADCRUMB
   ========================================================= */

.behavioral-finance-crumbs{
  background:var(--navy-deep);
  border-bottom:1px solid rgba(201,162,77,0.14);
}

.behavioral-finance-crumbs ol{
  list-style:none;
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:8px;
  margin:0 auto;
  padding:12px var(--gutter);
  max-width:var(--max);
  font-size:0.76rem;
  color:var(--on-navy-mute);
}

.behavioral-finance-crumbs a{
  color:var(--on-navy-mute);
}

.behavioral-finance-crumbs a:hover{
  color:var(--gold);
}

.behavioral-finance-crumbs li[aria-current]{
  color:var(--gold);
}

.behavioral-finance-crumbs li:not(:last-child)::after{
  content:'/';
  margin-left:8px;
  color:rgba(159,175,194,0.4);
}


/* =========================================================
   LOW-OPACITY NODE FIELD
   ========================================================= */

.behavioral-finance-node-field{
  position:absolute;
  inset:0;
  pointer-events:none;
}


/* =========================================================
   01 HERO
   ========================================================= */

.behavioral-finance-root .behavioral-finance-hero {
  position: relative;
  background: var(--navy);
  color: var(--on-navy);
  padding: clamp(64px, 10vw, 110px) 0 clamp(56px, 8vw, 84px);
  overflow: hidden;
  border-bottom: 1px solid rgba(201, 162, 77, 0.18);
}


/* ---------- HERO ART ---------- */

.behavioral-finance-root .behavioral-finance-hero-art {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  opacity: 0.15;
  pointer-events: none;
}


/* ---------- HERO CONTENT CONTAINER ---------- */

.behavioral-finance-root .behavioral-finance-hero-inner {
  position: relative;

  width: min(
    var(--layout-container),
    calc(100% - (var(--gutter) * 2))
  );

  max-width: var(--layout-container);

  margin-inline: auto;

  box-sizing: border-box;

  text-align: left;

  z-index: 2;
}


/* ---------- EYEBROW ---------- */

.behavioral-finance-root .behavioral-finance-hero .behavioral-finance-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;

  margin-bottom: 20px;

  text-align: left;
}


/* ---------- HERO HEADING ---------- */

.behavioral-finance-root .behavioral-finance-hero h1 {
  font-size: clamp(2.6rem, 5vw, 3.8rem);

  line-height: 1.12;

  letter-spacing: -0.018em;

  max-width: 24ch;

  margin-top: 0;
  margin-bottom: 30px;

  text-align: left;
}


/* ---------- HERO STATEMENT ---------- */

.behavioral-finance-root .behavioral-finance-hero-statement {
  font-size: 1.18rem;

  line-height: 1.6;

  color: var(--on-navy);

  max-width: 52ch;

  margin-top: 0;
  margin-bottom: 32px;

  text-align: left;

  font-style: italic;

  font-family: 'Playfair Display', serif;

  font-weight: 500;
}


/* ---------- HERO SUPPORTING COPY ---------- */

.behavioral-finance-root .behavioral-finance-hero-sub {
  font-size: 1rem;

  line-height: 1.8;

  color: var(--on-navy-mute);

  max-width: 58ch;

  margin-top: 0;
  margin-bottom: 52px;

  text-align: left;
}


/* ---------- HERO ACTIONS ---------- */

.behavioral-finance-root .behavioral-finance-hero-actions {
  display: flex;

  align-items: center;

  justify-content: flex-start;

  gap: 32px;

  flex-wrap: wrap;

  margin-top: 0;
}


/* =========================================================
   02 THE BEHAVIOUR BEHIND THE DECISION
   ========================================================= */

.behavioral-finance-root .behavioral-finance-behind {
  padding: clamp(64px, 9vw, 104px) 0;
}

.behavioral-finance-root .behavioral-finance-behind .behavioral-finance-section-head {
  max-width: 680px;
  margin: 0 auto clamp(28px, 3vw, 34px);
  text-align: center;
}

.behavioral-finance-root .behavioral-finance-behind .behavioral-finance-eyebrow {
  justify-content: center;
}

.behavioral-finance-root .behavioral-finance-behind-lede {
  max-width: 66ch;
  margin: 0 auto clamp(64px, 7vw, 76px);
  text-align: center;

  font-size: 1rem;
  line-height: 1.8;
  color: var(--on-cream-mute);
}

.behavioral-finance-behind-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:rgba(11,31,51,0.1);
  border:1px solid rgba(11,31,51,0.1);
  max-width:1120px;
  margin:0 auto;
}

.behavioral-finance-behind-card{
  background:#fff;
  padding:clamp(28px,3.2vw,36px);
  text-align:center;
}

.behavioral-finance-behind-icon{
  width:46px;
  height:46px;
  border-radius:50%;
  background:var(--navy);
  color:var(--gold);
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 auto 18px;
}

.behavioral-finance-behind-icon svg{
  width:20px;
  height:20px;
}

.behavioral-finance-behind-card h3{
  font-size:1.02rem;
  margin-bottom:10px;
}

.behavioral-finance-behind-card p{
  font-size:0.9rem;
  line-height:1.65;
  color:var(--on-cream-mute);
}


/* =========================================================
   03 COMMON BEHAVIOURAL BIASES
   ========================================================= */

.behavioral-finance-biases{
  position:relative;
  overflow:hidden;
  background:var(--neutral);
  padding:clamp(68px,10vw,112px) 0;
}

.behavioral-finance-biases .behavioral-finance-section-head{
  margin:0 auto clamp(44px,5.5vw,56px);
  text-align:center;
  max-width:680px;
  position:relative;
}

.behavioral-finance-biases .behavioral-finance-eyebrow{
  justify-content:center;
}

.behavioral-finance-biases-grid{
  position:relative;
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:rgba(11,31,51,0.1);
  border:1px solid rgba(11,31,51,0.1);
  max-width:1160px;
  margin:0 auto;
}

.behavioral-finance-bias-card{
  background:#fff;
  padding:clamp(26px,2.8vw,32px);
  display:flex;
  flex-direction:column;
  gap:14px;
}

.behavioral-finance-bias-icon{
  width:42px;
  height:42px;
  border-radius:50%;
  border:1px solid var(--gold-dim);
  color:var(--gold-dark);
  display:flex;
  align-items:center;
  justify-content:center;
}

.behavioral-finance-bias-icon svg{
  width:18px;
  height:18px;
}

.behavioral-finance-bias-card h3{
  font-size:1rem;
}

.behavioral-finance-bias-card p{
  font-size:0.86rem;
  line-height:1.62;
  color:var(--on-cream-mute);
}

.behavioral-finance-biases-close{
  position:relative;
  text-align:center;
  font-family:'Playfair Display',serif;
  font-style:italic;
  font-size:1.14rem;
  line-height:1.6;
  color:var(--on-cream);
  max-width:58ch;
  margin:clamp(40px,5vw,52px) auto 0;
}

.behavioral-finance-biases-close span{
  display:block;
  font-family:'Inter',sans-serif;
  font-style:normal;
  font-size:0.74rem;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--gold-dark);
  margin-bottom:12px;
}


/* =========================================================
   04 WHEN BEHAVIOUR SHOWS UP
   ========================================================= */

.behavioral-finance-points{
  padding:clamp(64px,9vw,104px) 0;
}

.behavioral-finance-points .behavioral-finance-section-head{
  margin:0 auto clamp(44px,5.5vw,56px);
  text-align:center;
  max-width:640px;
}

.behavioral-finance-points .behavioral-finance-eyebrow{
  justify-content:center;
}

.behavioral-finance-points-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:1px;
  background:rgba(11,31,51,0.1);
  border:1px solid rgba(11,31,51,0.1);
  max-width:1160px;
  margin:0 auto;
}

.behavioral-finance-point-card{
  background:#fff;
  padding:clamp(28px,3.2vw,34px);
}

.behavioral-finance-point-icon{
  width:40px;
  height:40px;
  border-radius:50%;
  background:var(--navy);
  color:var(--gold);
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:16px;
}

.behavioral-finance-point-icon svg{
  width:18px;
  height:18px;
}

.behavioral-finance-point-card h3{
  font-size:1.02rem;
  margin-bottom:8px;
}

.behavioral-finance-point-card p{
  font-size:0.88rem;
  line-height:1.6;
  color:var(--on-cream-mute);
}


/* =========================================================
   05 FROM REACTION TO DISCIPLINE
   ========================================================= */

.behavioral-finance-framework{
  position:relative;
  overflow:hidden;
  background:var(--navy);
  color:var(--on-navy);
  padding:clamp(72px,10vw,116px) 0;
}

.behavioral-finance-framework-art{
  position:absolute;
  inset:0;
  opacity:0.08;
  pointer-events:none;
}

.behavioral-finance-framework .behavioral-finance-section-head{
  position:relative;
  margin:0 auto clamp(20px,2.5vw,24px);
  text-align:center;
  max-width:660px;
}

.behavioral-finance-framework .behavioral-finance-eyebrow{
  justify-content:center;
}

.behavioral-finance-framework h2{
  color:var(--on-navy);
}

.behavioral-finance-framework-lede{
  position:relative;
  text-align:center;
  font-family:'Playfair Display',serif;
  font-style:italic;
  font-size:1.12rem;
  line-height:1.65;
  color:var(--on-navy);
  max-width:56ch;
  margin:0 auto clamp(48px,6vw,64px);
}

.behavioral-finance-steps{
  position:relative;
  display:flex;
  gap:clamp(10px,1.6vw,20px);
  max-width:1180px;
  margin:0 auto;
  flex-wrap:wrap;
}

.behavioral-finance-step{
  flex:1 1 calc(20% - 16px);
  min-width:170px;
  position:relative;
  padding-top:40px;
}

.behavioral-finance-step::before{
  content:'';
  position:absolute;
  top:13px;
  left:0;
  right:0;
  height:1px;
  background:rgba(201,162,77,0.25);
}

.behavioral-finance-step:first-child::before{
  left:50%;
}

.behavioral-finance-step:last-child::before{
  right:50%;
}

.behavioral-finance-step-marker{
  position:absolute;
  top:0;
  left:50%;
  transform:translateX(-50%);
  width:28px;
  height:28px;
  border-radius:50%;
  background:var(--gold);
  color:var(--navy-deep);
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:0.8rem;
  font-weight:600;
  font-family:'Playfair Display',serif;
}

.behavioral-finance-step-icon{
  width:42px;
  height:42px;
  border-radius:50%;
  border:1px solid var(--gold-dim);
  color:var(--gold);
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 auto 14px;
}

.behavioral-finance-step-icon svg{
  width:18px;
  height:18px;
}

.behavioral-finance-step h3{
  text-align:center;
  font-size:1rem;
  margin-bottom:8px;
  color:var(--on-navy);
}

.behavioral-finance-step p{
  text-align:center;
  font-size:0.84rem;
  line-height:1.58;
  color:var(--on-navy-mute);
}


/* =========================================================
   06 BEHAVIOURAL FINANCE IN PRACTICE
   ========================================================= */

.behavioral-finance-practice{
  background:var(--neutral);
  padding:clamp(64px,9vw,104px) 0;
}

.behavioral-finance-practice .behavioral-finance-section-head{
  margin:0 auto clamp(44px,5.5vw,56px);
  text-align:center;
  max-width:660px;
}

.behavioral-finance-practice .behavioral-finance-eyebrow{
  justify-content:center;
}

.behavioral-finance-practice-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:rgba(11,31,51,0.1);
  border:1px solid rgba(11,31,51,0.1);
  max-width:1160px;
  margin:0 auto;
}

.behavioral-finance-practice-card{
  position:relative;
  overflow:hidden;
  background:#fff;
  padding:clamp(28px,3.2vw,34px);
}

.behavioral-finance-practice-watermark{
  position:absolute;
  right:-16px;
  bottom:-16px;
  width:110px;
  height:110px;
  opacity:0.05;
  color:var(--navy);
  pointer-events:none;
}

.behavioral-finance-practice-icon{
  width:40px;
  height:40px;
  border-radius:50%;
  background:var(--navy);
  color:var(--gold);
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:16px;
  position:relative;
}

.behavioral-finance-practice-icon svg{
  width:18px;
  height:18px;
}

.behavioral-finance-practice-card h3{
  font-size:1rem;
  margin-bottom:8px;
  position:relative;
}

.behavioral-finance-practice-card p{
  font-size:0.88rem;
  line-height:1.6;
  color:var(--on-cream-mute);
  position:relative;
}


/* =========================================================
   07 OUR ADVISORY APPROACH
   ========================================================= */

.behavioral-finance-approach{
  padding:clamp(64px,9vw,104px) 0;
}

.behavioral-finance-approach .behavioral-finance-section-head{
  margin:0 auto clamp(44px,5.5vw,56px);
  text-align:center;
  max-width:660px;
}

.behavioral-finance-approach .behavioral-finance-eyebrow{
  justify-content:center;
}

.behavioral-finance-approach-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:clamp(20px,3vw,32px);
  max-width:1080px;
  margin:0 auto;
}

.behavioral-finance-approach-card{
  display:flex;
  gap:16px;
  align-items:flex-start;
}

.behavioral-finance-approach-no{
  font-family:'Playfair Display',serif;
  font-size:1.4rem;
  color:var(--gold-dark);
  flex:none;
  line-height:1;
  padding-top:2px;
}

.behavioral-finance-approach-card h3{
  font-size:0.98rem;
  margin-bottom:6px;
}

.behavioral-finance-approach-card p{
  font-size:0.86rem;
  line-height:1.6;
  color:var(--on-cream-mute);
}


/* =========================================================
   08 BEHAVIOURAL FINANCE & YOUR WEALTH
   ========================================================= */

.behavioral-finance-wealth{
  position:relative;
  overflow:hidden;
  background:var(--navy);
  color:var(--on-navy);
  padding:clamp(72px,10vw,116px) 0;
  text-align:center;
}

.behavioral-finance-wealth-field{
  position:absolute;
  inset:0;
  opacity:0.07;
  pointer-events:none;
}

.behavioral-finance-wealth .behavioral-finance-wrap{
  position:relative;
  max-width:760px;
}

.behavioral-finance-wealth-rule{
  width:44px;
  height:2px;
  background:var(--gold);
  margin:0 auto 32px;
}

.behavioral-finance-wealth h2{
  color:var(--on-navy);
  font-size:clamp(1.6rem,3.2vw,2.2rem);
  line-height:1.32;
  margin-bottom:24px;
}

.behavioral-finance-wealth p{
  font-size:1.02rem;
  line-height:1.85;
  color:var(--on-navy-mute);
  margin-bottom:16px;
}

.behavioral-finance-wealth p:last-of-type{
  margin-bottom:36px;
}

.behavioral-finance-wealth-actions{
  display:flex;
  gap:22px;
  justify-content:center;
  flex-wrap:wrap;
}


/* =========================================================
   09 FORM PLACEHOLDER
   ========================================================= */

.behavioral-finance-form-section{
  padding:clamp(64px,9vw,104px) 0;
}

.behavioral-finance-form-section .behavioral-finance-wrap{
  max-width:760px;
}

.behavioral-finance-form-card{
  background:#fff;
  border:1px dashed rgba(11,31,51,0.25);
  padding:clamp(36px,5vw,56px);
  text-align:center;
}

.behavioral-finance-form-card h2{
  font-size:clamp(1.4rem,2.6vw,1.8rem);
  margin-bottom:14px;
}

.behavioral-finance-form-card p{
  font-size:0.98rem;
  line-height:1.7;
  color:var(--on-cream-mute);
  max-width:54ch;
  margin:0 auto 28px;
}

.behavioral-finance-form-fields{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  justify-content:center;
  margin:0 auto 32px;
  max-width:60ch;
}

.behavioral-finance-form-fields span{
  font-size:0.78rem;
  color:var(--on-cream-mute);
  border:1px solid rgba(11,31,51,0.15);
  padding:7px 12px;
}

.behavioral-finance-form-status{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-size:0.74rem;
  letter-spacing:0.08em;
  text-transform:uppercase;
  color:var(--gold-dark);
  background:rgba(201,162,77,0.08);
  border:1px solid rgba(201,162,77,0.3);
  padding:8px 14px;
  margin-bottom:28px;
}

.behavioral-finance-form-status::before{
  content:'●';
  font-size:0.6rem;
}

.behavioral-finance-form-actions{
  display:flex;
  gap:20px;
  justify-content:center;
  flex-wrap:wrap;
}


/* =========================================================
   10 FAQ
   ========================================================= */

.behavioral-finance-faq{
  background:var(--neutral);
  padding:clamp(64px,9vw,104px) 0;
}

.behavioral-finance-faq .behavioral-finance-wrap{
  max-width:var(--read);
}

.behavioral-finance-faq .behavioral-finance-section-head{
  margin-bottom:clamp(36px,5vw,48px);
}

.behavioral-finance-faq-list{
  border-top:1px solid rgba(11,31,51,0.12);
}

.behavioral-finance-faq-item{
  border-bottom:1px solid rgba(11,31,51,0.12);
}

.behavioral-finance-faq-item summary{
  list-style:none;
  cursor:pointer;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  padding:20px 2px;
  font-size:0.98rem;
  font-weight:500;
  color:var(--on-cream);
}

.behavioral-finance-faq-item summary::-webkit-details-marker{
  display:none;
}

.behavioral-finance-faq-item[open] .behavioral-finance-chevron{
  transform:rotate(180deg);
}

.behavioral-finance-chevron{
  transition:transform .25s ease;
  color:var(--gold-dark);
  flex:none;
}

.behavioral-finance-faq-item p{
  font-size:0.94rem;
  line-height:1.72;
  color:var(--on-cream-mute);
  max-width:66ch;
  padding:0 2px 20px;
}


/* =========================================================
   11 RELATED RESEARCH
   ========================================================= */

.behavioral-finance-research{
  padding:clamp(64px,9vw,104px) 0;
}

.behavioral-finance-research .behavioral-finance-section-head{
  margin:0 0 clamp(12px,1.6vw,16px);
}

.behavioral-finance-research-note{
  font-size:0.86rem;
  color:var(--on-cream-mute);
  margin-bottom:clamp(36px,4.5vw,48px);
  max-width:62ch;
}

.behavioral-finance-research-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:rgba(11,31,51,0.1);
  border:1px solid rgba(11,31,51,0.1);
}

.behavioral-finance-research-card{
  background:#fbfaf8;
  padding:clamp(24px,3vw,28px);
  display:flex;
  flex-direction:column;
}

.behavioral-finance-research-card .behavioral-finance-tag{
  font-size:0.7rem;
  letter-spacing:0.1em;
  text-transform:uppercase;
  color:var(--gold-dark);
  margin-bottom:12px;
}

.behavioral-finance-research-card h3{
  font-size:1rem;
  line-height:1.4;
  margin-bottom:10px;
  color:var(--on-cream-mute);
}

.behavioral-finance-research-card p{
  font-size:0.86rem;
  line-height:1.6;
  color:var(--on-cream-mute);
  flex:1;
  margin-bottom:14px;
}

.behavioral-finance-soon{
  font-size:0.74rem;
  font-weight:600;
  letter-spacing:0.05em;
  text-transform:uppercase;
  color:var(--on-cream-mute);
  display:inline-flex;
  align-items:center;
  gap:6px;
  width:fit-content;
}

.behavioral-finance-soon::before{
  content:'';
  width:6px;
  height:6px;
  border-radius:50%;
  background:var(--on-cream-mute);
}


/* =========================================================
   12 FINAL CTA
   ========================================================= */

.behavioral-finance-cta{
  background:var(--navy);
  color:var(--on-navy);
  padding:clamp(72px,10vw,120px) 0;
  text-align:center;
}

.behavioral-finance-cta .behavioral-finance-wrap{
  max-width:640px;
}

.behavioral-finance-cta-rule{
  width:44px;
  height:2px;
  background:var(--gold);
  margin:0 auto 32px;
}

.behavioral-finance-cta h2{
  font-size:clamp(1.6rem,3.2vw,2.15rem);
  margin-bottom:18px;
  line-height:1.3;
  color:var(--on-navy);
}

.behavioral-finance-cta p{
  font-size:1.02rem;
  line-height:1.75;
  color:var(--on-navy-mute);
  margin-bottom:36px;
}

.behavioral-finance-cta-actions{
  display:flex;
  gap:22px;
  justify-content:center;
  flex-wrap:wrap;
}


/* =========================================================
   WHATSAPP
   ========================================================= */

.behavioral-finance-wa-icon{
  width:16px;
  height:16px;
}


/* =========================================================
   MOBILE STICKY CTA
   ========================================================= */

.behavioral-finance-sticky-cta{
  display:none;
}


/* =========================================================
   TABLET
   ========================================================= */

@media (max-width:980px){

  .behavioral-finance-behind-grid{
    grid-template-columns:repeat(2,1fr);
  }

  .behavioral-finance-biases-grid{
    grid-template-columns:repeat(2,1fr);
  }

  .behavioral-finance-points-grid{
    grid-template-columns:repeat(2,1fr);
  }

  .behavioral-finance-practice-grid{
    grid-template-columns:repeat(2,1fr);
  }

  .behavioral-finance-research-grid{
    grid-template-columns:repeat(2,1fr);
  }

  .behavioral-finance-approach-grid{
    grid-template-columns:1fr;
    max-width:520px;
  }

  .behavioral-finance-steps{
    flex-wrap:wrap;
  }

  .behavioral-finance-step{
    flex:1 1 calc(33.33% - 14px);
    margin-bottom:28px;
  }

  .behavioral-finance-sticky-cta{
    display:flex;
    position:fixed;
    left:0;
    right:0;
    bottom:0;
    z-index:70;
    background:rgba(7,21,35,0.97);
    backdrop-filter:blur(8px);
    border-top:1px solid rgba(201,162,77,0.22);
  }

  .behavioral-finance-sticky-cta a{
    flex:1;
    text-align:center;
    padding:14px 10px;
    font-size:0.82rem;
    color:var(--on-navy);
    min-height:48px;
    display:flex;
    align-items:center;
    justify-content:center;
  }

  .behavioral-finance-sticky-cta a:first-child{
    border-right:1px solid rgba(201,162,77,0.18);
    color:var(--gold);
    font-weight:500;
  }

  .behavioral-finance-root{
    padding-bottom:56px;
  }
}


/* =========================================================
   MOBILE
   ========================================================= */

@media (max-width:640px){

  .behavioral-finance-behind-grid,
  .behavioral-finance-biases-grid,
  .behavioral-finance-points-grid,
  .behavioral-finance-practice-grid,
  .behavioral-finance-research-grid{
    grid-template-columns:1fr;
  }

  .behavioral-finance-step{
    flex:1 1 100%;
  }

  .behavioral-finance-hero-actions,
  .behavioral-finance-cta-actions,
  .behavioral-finance-form-actions,
  .behavioral-finance-wealth-actions{
    flex-direction:column;
    align-items:flex-start;
  }

  .behavioral-finance-cta-actions,
  .behavioral-finance-form-actions,
  .behavioral-finance-wealth-actions{
    align-items:center;
  }
}


/* =========================================================
   REDUCED MOTION
   ========================================================= */

@media (prefers-reduced-motion:reduce){

  .behavioral-finance-root *,
  .behavioral-finance-root *::before,
  .behavioral-finance-root *::after{
    scroll-behavior:auto !important;
    transition:none !important;
    animation:none !important;
  }
}