/* ============================================================
   sections-new.css
   Philosophy · Risk Management · Strategies · Brokers · Testimonials
   Maihan Group — White & Gold Luxury Corporate
   ============================================================ */

:root {
  --gold:       #C9A84C;
  --gold-light: #E8C96A;
  --gold-dark:  #8B6914;
  --navy:       #0D1B2A;
  --navy-mid:   #132234;
  --white:      #FFFFFF;
  --off-white:  #FAF8F4;
  --text-dark:  #1A1A1A;
  --text-mid:   #555555;
  /* --text-light intentionally NOT overridden here — inherits #8A867E from style.css
     so it stays readable on white backgrounds (stat boxes, Our Story etc.) */
  --radius:     12px;
  --shadow:     0 4px 30px rgba(0,0,0,0.08);
  --shadow-lg:  0 8px 50px rgba(0,0,0,0.14);
}

/* ── SHARED ─────────────────────────────────────────────────── */
.light-desc { color: rgba(255,255,255,0.8); }

/* ============================================================
   1. PHILOSOPHY
   ============================================================ */
.philosophy {
  position: relative;
  background: var(--off-white);
  padding: 110px 0 100px;
  overflow: hidden;
}

.philosophy-bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 10% 20%, rgba(201,168,76,0.06) 0%, transparent 55%),
    radial-gradient(circle at 90% 80%, rgba(201,168,76,0.05) 0%, transparent 55%);
  pointer-events: none;
}

/* Universe block */
.phil-universe {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 80px;
  align-items: center;
  margin: 70px 0 80px;
}

/* Animated orb */
.phil-universe-visual {
  display: flex;
  justify-content: center;
  align-items: center;
  min-height: 360px;
}

.universe-orb {
  position: relative;
  width: 260px;
  height: 260px;
  transition: transform 0.3s ease;
}

.orb-ring {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 1.5px solid rgba(201,168,76,0.3);
  animation: orbSpin 12s linear infinite;
}
.orb-ring-1 { animation-duration: 10s; }
.orb-ring-2 {
  inset: -30px;
  border-color: rgba(201,168,76,0.15);
  animation-duration: 18s;
  animation-direction: reverse;
}
.orb-ring-3 {
  inset: -60px;
  border-color: rgba(201,168,76,0.08);
  animation-duration: 26s;
}

@keyframes orbSpin {
  from { transform: rotate(0deg); }
  to   { transform: rotate(360deg); }
}

.orb-core {
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  width: 96px; height: 96px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 2.2rem;
  color: white;
  box-shadow: 0 0 40px rgba(201,168,76,0.5), 0 0 80px rgba(201,168,76,0.2);
  z-index: 2;
}

.orb-dot {
  position: absolute;
  width: 44px; height: 44px;
  background: var(--navy);
  border: 2px solid var(--gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-size: 1rem;
  z-index: 3;
  animation: orbDotFloat 3s ease-in-out infinite;
}
.orb-dot-1 { top: 0;   left: 50%; transform: translateX(-50%); animation-delay: 0s; }
.orb-dot-2 { right: 0; top: 50%;  transform: translateY(-50%); animation-delay: 0.75s; }
.orb-dot-3 { bottom: 0;left: 50%; transform: translateX(-50%); animation-delay: 1.5s; }
.orb-dot-4 { left: 0;  top: 50%;  transform: translateY(-50%); animation-delay: 2.25s; }

@keyframes orbDotFloat {
  0%, 100% { box-shadow: 0 0 0 0 rgba(201,168,76,0.4); }
  50%       { box-shadow: 0 0 0 8px rgba(201,168,76,0); }
}

/* Universe content */
.phil-tag {
  display: inline-block;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: white;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  padding: 6px 18px;
  border-radius: 30px;
  margin-bottom: 16px;
}

.phil-subtitle {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.8rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.3;
  margin-bottom: 20px;
}

.phil-text {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.92rem;
  line-height: 1.8;
  color: var(--text-mid);
  margin-bottom: 14px;
}
.phil-text em {
  color: var(--gold-dark);
  font-style: italic;
}

.phil-pillars {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-top: 28px;
}

.phil-pillar {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 16px 20px;
  background: white;
  border-radius: var(--radius);
  border-left: 3px solid var(--gold);
  box-shadow: var(--shadow);
}
.phil-pillar-icon {
  width: 40px; height: 40px;
  min-width: 40px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: white;
  font-size: 0.95rem;
}
.phil-pillar strong {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  display: block;
  margin-bottom: 4px;
}
.phil-pillar p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.8rem;
  color: var(--text-mid);
  line-height: 1.6;
  margin: 0;
}

/* Tenets */
.phil-tenets {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 20px;
}

.phil-tenet {
  background: white;
  border-radius: var(--radius);
  padding: 36px 28px;
  box-shadow: var(--shadow);
  border-top: 3px solid var(--gold);
  position: relative;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  opacity: 0;
  transform: translateY(30px);
}
.phil-tenet.revealed {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.phil-tenet:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.tenet-number {
  position: absolute;
  top: 16px; right: 20px;
  font-family: 'Cormorant Garamond', serif;
  font-size: 2rem;
  font-weight: 700;
  color: rgba(201,168,76,0.15);
  line-height: 1;
  font-feature-settings: "lnum" 1, "tnum" 1;
  font-variant-numeric: lining-nums tabular-nums;
}

.tenet-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: white;
  font-size: 1.2rem;
  margin-bottom: 20px;
}

.phil-tenet h4 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}
.phil-tenet p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  color: var(--text-mid);
  line-height: 1.7;
  margin: 0;
}


/* ============================================================
   2. RISK MANAGEMENT
   ============================================================ */
.risk-mgmt {
  background: var(--navy);
  padding: 110px 0 100px;
  position: relative;
  overflow: hidden;
}
.risk-mgmt::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 80% 20%, rgba(201,168,76,0.08) 0%, transparent 50%),
    radial-gradient(circle at 20% 80%, rgba(201,168,76,0.05) 0%, transparent 50%);
  pointer-events: none;
}

.risk-header { text-align: center; margin-bottom: 60px; }
.risk-header .section-eyebrow { color: var(--gold); }
.risk-header .section-title   { color: white; }
.risk-header .section-title em{ color: var(--gold-light); }

.risk-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.risk-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.15);
  border-radius: var(--radius);
  padding: 36px 28px;
  position: relative;
  transition: background 0.3s ease, transform 0.3s ease, border-color 0.3s ease;
  opacity: 0;
  transform: translateY(30px);
}
.risk-card.revealed {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.risk-card:hover {
  background: rgba(201,168,76,0.06);
  border-color: rgba(201,168,76,0.4);
  transform: translateY(-5px);
}

.risk-card-num {
  position: absolute;
  top: 16px; right: 20px;
  font-family: 'Cormorant Garamond', serif;
  font-size: 2rem;
  font-weight: 700;
  color: rgba(201,168,76,0.12);
}

.risk-icon {
  width: 54px; height: 54px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: white;
  font-size: 1.3rem;
  margin-bottom: 20px;
  box-shadow: 0 4px 20px rgba(201,168,76,0.3);
}

.risk-card h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: white;
  margin-bottom: 14px;
}
.risk-card p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  line-height: 1.75;
  color: rgba(255,255,255,0.65);
  margin-bottom: 20px;
}

.risk-metric {
  display: flex;
  align-items: baseline;
  gap: 8px;
  padding-top: 16px;
  border-top: 1px solid rgba(201,168,76,0.15);
}
.risk-metric-val {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--gold-light);
  font-feature-settings: "lnum" 1, "tnum" 1;
  font-variant-numeric: lining-nums tabular-nums;
}
.risk-metric-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
}


/* ============================================================
   3. STRATEGIES (Hedging & Arbitrage)
   ============================================================ */
.strategies {
  background: white;
  padding: 110px 0 100px;
}

/* Tabs */
.strat-tabs-wrap {
  margin-top: 60px;
}

.strat-tabs {
  display: flex;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--mid-grey);
  border-radius: 50px;
  padding: 6px;
  width: fit-content;
  margin: 0 auto 50px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.04);
  position: relative;
}

.strat-tab {
  font-family: var(--font-sans);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  padding: 12px 36px;
  border: none;
  border-radius: 50px;
  cursor: pointer;
  background: transparent;
  color: var(--text-mid);
  transition: var(--transition);
  position: relative;
  z-index: 1;
}

.strat-tab:hover:not(.active) {
  color: var(--gold-dark);
  background: var(--gold-pale);
}

.strat-tab.active {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--white);
  box-shadow: 0 6px 16px rgba(201,168,76,0.35);
  transform: translateY(-1px);
}

.strat-panel { display: none; }
.strat-panel.active { display: block; }

/* Panel intro */
.strat-intro {
  display: flex;
  align-items: flex-start;
  gap: 24px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: var(--radius);
  padding: 36px 40px;
  margin-bottom: 40px;
  border-left: 4px solid var(--gold);
}
.strat-panel-icon {
  font-size: 2rem;
  color: var(--gold);
  min-width: 40px;
  margin-top: 4px;
}
.strat-intro h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: white;
  margin-bottom: 10px;
}
.strat-intro p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  line-height: 1.75;
  color: rgba(255,255,255,0.7);
  margin: 0;
}

/* Strategy cards */
.strat-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.strat-card {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 32px 28px;
  border: 1px solid rgba(201,168,76,0.12);
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
  opacity: 0;
  transform: translateY(24px);
}
.strat-card.revealed {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.strat-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,0.35);
}

.strat-card-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: white;
  font-size: 1.2rem;
  margin-bottom: 20px;
}

.strat-card h4 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.strat-card p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  line-height: 1.75;
  color: var(--text-mid);
  margin-bottom: 16px;
}

.strat-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.strat-tags span {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 4px 12px;
  background: rgba(201,168,76,0.1);
  color: var(--gold-dark);
  border-radius: 20px;
  border: 1px solid rgba(201,168,76,0.25);
}


/* ============================================================
   4. RECOGNISED BROKERS
   ============================================================ */
.brokers {
  background: var(--off-white);
  padding: 110px 0 100px;
}

.brokers-hubs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  margin-top: 60px;
}

.broker-hub {
  background: white;
  border-radius: 16px;
  padding: 44px 40px;
  box-shadow: var(--shadow);
  border-top: 4px solid var(--gold);
}

.broker-hub-header {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-bottom: 20px;
}
.broker-hub-flag {
  font-size: 3rem;
  line-height: 1;
}
.broker-hub-header h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2rem;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 4px;
}
.broker-hub-header p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 500;
  color: var(--gold-dark);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin: 0;
}

.broker-hub-desc {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  line-height: 1.8;
  color: var(--text-mid);
  margin-bottom: 32px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(201,168,76,0.15);
}

.broker-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.broker-item {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  padding: 20px;
  background: var(--off-white);
  border-radius: var(--radius);
  border-left: 3px solid var(--gold);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  opacity: 0;
  transform: translateX(-20px);
}
.broker-item.revealed {
  opacity: 1;
  transform: translateX(0);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.broker-item:hover {
  transform: translateX(4px);
  box-shadow: var(--shadow);
}

.broker-logo-ph {
  width: 48px; height: 48px;
  min-width: 48px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: white;
  font-size: 1.15rem;
  box-shadow: 0 4px 14px rgba(201,168,76,0.25);
}

.broker-details strong {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.87rem;
  font-weight: 700;
  color: var(--navy);
  display: block;
  margin-bottom: 6px;
}
.broker-details p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  line-height: 1.7;
  color: var(--text-mid);
  margin: 0 0 10px;
}

.broker-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.broker-tags span {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 3px 10px;
  background: rgba(201,168,76,0.1);
  color: var(--gold-dark);
  border-radius: 20px;
  border: 1px solid rgba(201,168,76,0.2);
}

.broker-disclaimer {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-top: 40px;
  padding: 20px 28px;
  background: rgba(201,168,76,0.06);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--radius);
}
.broker-disclaimer i {
  color: var(--gold);
  font-size: 1.1rem;
  min-width: 20px;
  margin-top: 2px;
}
.broker-disclaimer p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  line-height: 1.7;
  color: var(--text-mid);
  margin: 0;
}


/* ============================================================
   5. TESTIMONIALS
   ============================================================ */
.testimonials {
  position: relative;
  background: var(--navy);
  padding: 110px 0 100px;
  overflow: hidden;
}

.testimonials-bg {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 25% 30%, rgba(201,168,76,0.07) 0%, transparent 55%),
    radial-gradient(circle at 75% 70%, rgba(201,168,76,0.05) 0%, transparent 55%);
  pointer-events: none;
}

.testimonials .section-eyebrow { color: var(--gold); }
.testimonials .section-title { color: white; }
.testimonials .section-title em { color: var(--gold-light); }
.testimonials .section-desc { color: rgba(255,255,255,0.65); }

.testimonials-carousel {
  position: relative;
  margin-top: 60px;
  overflow: hidden;
}

.testimonials-track {
  display: flex;
  transition: transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

.testimonial-card {
  min-width: 100%;
  padding: 0 60px;
  box-sizing: border-box;
}

.testi-quote-icon {
  font-size: 2.4rem;
  color: var(--gold);
  margin-bottom: 24px;
  opacity: 0.6;
}

.testi-text {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.35rem;
  font-weight: 400;
  font-style: italic;
  line-height: 1.75;
  color: rgba(255,255,255,0.88);
  margin-bottom: 36px;
  max-width: 860px;
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.testi-author {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
}

.testi-avatar {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: white;
  flex-shrink: 0;
}

.testi-author > div strong {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.9rem;
  font-weight: 700;
  color: white;
  display: block;
}
.testi-author > div p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.55);
  margin: 4px 0 0;
}

.testi-stars {
  display: flex;
  gap: 3px;
  color: var(--gold);
  font-size: 0.85rem;
  margin-left: 12px;
}

/* Carousel controls */
.carousel-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  margin-top: 44px;
}

.carousel-btn {
  width: 48px; height: 48px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 50%;
  color: var(--gold);
  font-size: 1rem;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: all 0.3s ease;
}
.carousel-btn:hover {
  background: var(--gold);
  color: white;
  border-color: var(--gold);
}

.carousel-dots {
  display: flex;
  gap: 8px;
  align-items: center;
}
.carousel-dots .dot {
  width: 8px; height: 8px;
  background: rgba(255,255,255,0.25);
  border-radius: 50%;
  cursor: pointer;
  transition: all 0.3s ease;
}
.carousel-dots .dot.active {
  background: var(--gold);
  width: 28px;
  border-radius: 4px;
}


/* ============================================================
   RESPONSIVE
   ============================================================ */

@media (max-width: 1100px) {
  .phil-tenets        { grid-template-columns: repeat(2, 1fr); }
  .risk-grid          { grid-template-columns: repeat(2, 1fr); }
  .strat-cards        { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .phil-universe      { grid-template-columns: 1fr; gap: 40px; }
  .brokers-hubs       { grid-template-columns: 1fr; }
  .testimonial-card   { padding: 0 20px; }
  .testi-text         { font-size: 1.1rem; }
}

@media (max-width: 720px) {
  .phil-tenets        { grid-template-columns: 1fr; }
  .risk-grid          { grid-template-columns: 1fr; }
  .strat-cards        { grid-template-columns: 1fr; }
  .strat-tabs         { flex-direction: column; border-radius: 14px; width: 100%; padding: 6px; }
  .strat-tab          { text-align: center; border-radius: 8px; }
  .strat-intro        { flex-direction: column; gap: 14px; }
  .testi-author       { flex-direction: column; text-align: center; }
  .broker-hub         { padding: 28px 22px; }
  .phil-universe-visual { min-height: 260px; }
  .universe-orb       { width: 200px; height: 200px; }
  .orb-core           { width: 72px; height: 72px; font-size: 1.6rem; }
}


/* ============================================================
   ADVISORY TABS SECTION
   ============================================================ */

.adv-tabs-section {
  background: var(--white);
  padding: 90px 0 100px;
  border-top: 1px solid rgba(201,168,76,0.15);
}

/* ── Primary Tab Bar ──────────────────────────────────────── */
.adv-tabs-wrap {
  margin-top: 0;
}

.adv-tabs {
  display: flex;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--mid-grey);
  border-radius: 50px;
  padding: 6px;
  width: fit-content;
  margin: 0 auto 50px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.04);
  position: relative;
}

.adv-tab {
  font-family: var(--font-sans);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  padding: 12px 30px;
  border: none;
  border-radius: 50px;
  cursor: pointer;
  background: transparent;
  color: var(--text-mid);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 8px;
  white-space: nowrap;
  position: relative;
  z-index: 1;
}

.adv-tab:hover:not(.active) {
  color: var(--gold-dark);
  background: var(--gold-pale);
}

.adv-tab.active {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--white);
  box-shadow: 0 6px 16px rgba(201,168,76,0.35);
  transform: translateY(-1px);
}

.adv-tab i {
  font-size: 0.85rem;
  opacity: 0.8;
  transition: opacity 0.3s ease;
}

.adv-tab.active i {
  opacity: 1;
}

/* ── Panels ───────────────────────────────────────────────── */
.adv-panel { display: none; }
.adv-panel.active { display: block; }

/* ── Sub-tab bar (Strategies inner tabs) ─────────────────── */
.adv-sub-tabs-wrap {
  margin-top: 0;
}

.adv-sub-tabs {
  display: flex;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--mid-grey);
  border-radius: 50px;
  padding: 6px;
  width: fit-content;
  margin: 0 auto 40px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.04);
  position: relative;
}

.adv-sub-tab {
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  padding: 10px 28px;
  border: none;
  border-radius: 50px;
  cursor: pointer;
  background: transparent;
  color: var(--text-mid);
  transition: var(--transition);
  position: relative;
  z-index: 1;
}

.adv-sub-tab:hover:not(.active) {
  color: var(--navy);
  background: rgba(13,27,42,0.05);
}

.adv-sub-tab.active {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--white);
  box-shadow: 0 6px 14px rgba(13,27,42,0.25);
  transform: translateY(-1px);
}

.adv-sub-panel { display: none; }
.adv-sub-panel.active { display: block; }

/* ── Brokers grid inside tab ──────────────────────────────── */
.adv-brokers-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
  margin-bottom: 32px;
}

.adv-broker-hub {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 36px 32px;
  border: 1px solid rgba(201,168,76,0.15);
  transition: box-shadow 0.3s ease, border-color 0.3s ease;
}
.adv-broker-hub:hover {
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,0.35);
}

/* ── Testimonials grid inside tab ────────────────────────── */
.adv-testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.adv-testi-card {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 32px 28px;
  border: 1px solid rgba(201,168,76,0.12);
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}
.adv-testi-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,0.35);
}
.adv-testi-card .testi-quote-icon {
  font-size: 1.5rem;
  color: var(--gold);
  margin-bottom: 16px;
  opacity: 0.5;
}
.adv-testi-card .testi-text {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.05rem;
  line-height: 1.75;
  color: var(--text-dark);
  margin-bottom: 24px;
  font-style: italic;
}
.adv-testi-card .testi-author {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}
.adv-testi-card .testi-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  display: flex; align-items: center; justify-content: center;
  color: white;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  flex-shrink: 0;
}
.adv-testi-card .testi-author strong {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--text-dark);
  display: block;
}
.adv-testi-card .testi-author > div > p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem;
  color: var(--text-mid);
  margin: 2px 0 0;
}
.adv-testi-card .testi-stars {
  margin-left: auto;
  color: var(--gold);
  font-size: 0.7rem;
  display: flex;
  gap: 2px;
}

/* ── Risk Management panel — dark background + force cards visible ── */
#adv-tab-risk-management {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 60px 48px;
  position: relative;
  overflow: hidden;
}
#adv-tab-risk-management::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 80% 20%, rgba(201,168,76,0.08) 0%, transparent 50%),
    radial-gradient(circle at 20% 80%, rgba(201,168,76,0.05) 0%, transparent 50%);
  pointer-events: none;
}
/* Cards were opacity:0 waiting for scroll-reveal — force visible inside tab */
#adv-tab-risk-management .risk-card {
  opacity: 1;
  transform: translateY(0);
}

/* ── Testimonials panel — dark background + restore header colours ── */
#adv-tab-testimonials {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 60px 48px;
  position: relative;
  overflow: hidden;
}
#adv-tab-testimonials::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 25% 30%, rgba(201,168,76,0.07) 0%, transparent 55%),
    radial-gradient(circle at 75% 70%, rgba(201,168,76,0.05) 0%, transparent 55%);
  pointer-events: none;
}
#adv-tab-testimonials .section-eyebrow { color: var(--gold); }
#adv-tab-testimonials .section-title   { color: white; }
#adv-tab-testimonials .section-title em{ color: var(--gold-light); }
#adv-tab-testimonials .section-desc    { color: rgba(255,255,255,0.65); }

/* ── Responsive ───────────────────────────────────────────── */
@media (max-width: 1100px) {
  .adv-testi-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .adv-brokers-grid { grid-template-columns: 1fr; }
  .adv-testi-grid   { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 720px) {
  .adv-tabs {
    flex-wrap: wrap;
    border-radius: 14px;
    width: 100%;
    justify-content: center;
    padding: 6px;
  }
  .adv-tab { padding: 10px 16px; font-size: 0.74rem; border-radius: 8px; }
  .adv-sub-tabs { flex-direction: column; border-radius: 14px; width: 100%; padding: 6px; }
  .adv-sub-tab  { text-align: center; border-radius: 8px; }
  .adv-testi-grid { grid-template-columns: 1fr; }
  .adv-testi-card .testi-stars { margin-left: 0; }
}