:root{
 --navy:#16273b;--navy2:#20364e;--ink:#2c3137;--muted:#65707a;--cream:#f7ead7;--paper:#fffdf8;
 --gold:#cba85a;--gold2:#e5ca86;--line:rgba(22,39,59,.14);--soft:#f4eee5;--white:#fff;
 --shadow:0 18px 48px rgba(12,26,40,.10);--radius:16px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Barlow,Arial,sans-serif;color:var(--ink);background:#fffaf2;line-height:1.68;font-size:17px}
a{color:inherit}.wrap{width:min(1120px,calc(100% - 40px));margin:auto}.narrow{width:min(850px,calc(100% - 40px));margin:auto}
.tco-top{background:#fff;border-bottom:1px solid #eee}.tco-top .wrap{height:96px;display:flex;align-items:center;justify-content:center}.tco-top img{height:66px;width:auto;object-fit:contain}
.nav{position:sticky;top:0;z-index:20;background:rgba(22,39,59,.97);backdrop-filter:blur(10px);box-shadow:0 4px 16px rgba(0,0,0,.12)}
.nav .wrap{display:flex;gap:4px;align-items:center;overflow-x:auto;padding-top:10px;padding-bottom:10px;scrollbar-width:none}.nav .wrap::-webkit-scrollbar{display:none}
.nav a{white-space:nowrap;text-decoration:none;color:#d9e2eb;font-size:12px;font-weight:700;padding:8px 9px;border-radius:7px}.nav a:hover,.nav a.active{background:rgba(203,168,90,.16);color:#fff}.nav a.cta{margin-left:auto;border:1px solid rgba(203,168,90,.65);color:#f1d792}
.boundary{background:#0f1e2d;color:#ccd6df;border-bottom:1px solid rgba(203,168,90,.25);font-size:13px}.boundary .wrap{padding:12px 20px}.boundary strong{color:#f0d58a}
.hero{padding:82px 0 74px;background:linear-gradient(135deg,#16273b 0%,#0b1826 72%);color:#fff;position:relative;overflow:hidden}.hero:after{content:'';position:absolute;width:450px;height:450px;border-radius:50%;border:1px solid rgba(203,168,90,.16);right:-160px;top:-180px}.hero.light{background:linear-gradient(135deg,#f7ead7,#fffaf2);color:var(--navy)}.hero.gold{background:linear-gradient(135deg,#2a241a,#16273b);color:#fff}.hero.analysis{background:linear-gradient(135deg,#10263a,#1e3348 65%,#2f3f4d)}
.kicker{font-size:11px;letter-spacing:.17em;text-transform:uppercase;font-weight:800;color:var(--gold);margin-bottom:12px}.hero h1,h1,h2,h3,.display{font-family:'Cormorant Garamond',Georgia,serif}.hero h1{font-size:clamp(46px,6.5vw,78px);line-height:.99;margin:0 0 22px;max-width:920px}.hero p{font-size:19px;max-width:820px;color:#dce5ec}.hero.light p{color:#46515c}.hero .hero-actions{margin-top:28px}.hero .hero-grid{display:grid;grid-template-columns:1.04fr .96fr;gap:46px;align-items:center}.hero-visual img{width:100%;display:block;border-radius:16px;box-shadow:0 25px 55px rgba(0,0,0,.25);border:1px solid rgba(203,168,90,.24)}
.btn{display:inline-block;background:var(--gold);color:#0d1a28;text-decoration:none;text-transform:uppercase;font-size:12px;font-weight:800;letter-spacing:.075em;padding:14px 19px;border-radius:4px;margin:6px 8px 0 0}.btn.secondary{background:transparent;color:var(--gold2);border:1px solid rgba(203,168,90,.6)}.hero.light .btn.secondary{color:#795c20}
.section{padding:72px 0}.section.white{background:#fff}.section.paper{background:var(--paper)}.section.cream{background:var(--cream)}.section.soft{background:var(--soft)}.section.dark{background:var(--navy);color:#e6edf3}.section h2{font-size:clamp(36px,4.5vw,56px);line-height:1.05;color:var(--navy);margin:8px 0 18px}.section.dark h2{color:#fff}.lead{font-size:19px;max-width:880px}.section.dark .lead{color:#cdd8e1}
.grid{display:grid;gap:18px}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}.grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 10px 28px rgba(12,26,40,.055)}.card h3{font-size:30px;line-height:1.08;color:var(--navy);margin:0 0 11px}.card p:last-child{margin-bottom:0}.card.dark{background:var(--navy2);color:#dce5ec;border-color:rgba(203,168,90,.22)}.card.dark h3{color:#fff}.card.goldtop{border-top:4px solid var(--gold)}
.stat{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:12px;padding:24px}.stat .value{font-family:'Cormorant Garamond',Georgia,serif;font-size:46px;font-weight:700;color:var(--navy);line-height:1}.stat .label{font-weight:700;color:#5d6771;margin-top:7px}.dark .stat{background:#20364e;border-color:rgba(203,168,90,.25)}.dark .stat .value{color:#f0d58a}.dark .stat .label{color:#dce5ec}
.note{border-left:4px solid var(--gold);background:#fffaf0;padding:21px 24px;margin:26px 0;border-radius:0 11px 11px 0}.dark .note{background:#20364e;color:#e7edf3}.quote{font-family:'Cormorant Garamond',Georgia,serif;font-size:29px;line-height:1.35;color:#71551c;border-left:4px solid var(--gold);padding:15px 22px;margin:28px 0}.dark .quote{color:#f2d98f}
.visual{margin:28px 0}.visual img{width:100%;display:block;border-radius:16px;border:1px solid var(--line);box-shadow:var(--shadow)}.caption{font-size:13px;color:#6d7780;margin-top:8px;text-align:center}.dark .caption{color:#b9c6d1}
.flow{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:10px;margin:30px 0}.flow .step{position:relative;background:#fff;border:1px solid var(--line);border-radius:12px;padding:21px}.flow .step:not(:last-child):after{content:'→';position:absolute;right:-17px;top:50%;transform:translateY(-50%);color:var(--gold);font-size:21px;font-weight:800}.flow b{display:block;color:#8a6823;text-transform:uppercase;font-size:10px;letter-spacing:.13em}.flow h3{font-size:23px;margin:6px 0 0;color:var(--navy)}
.positions{display:grid;grid-template-columns:repeat(15,1fr);gap:7px;margin:28px 0}.position{aspect-ratio:1;display:grid;place-items:center;border:1px solid #d6c49d;border-radius:7px;background:#fff;font-size:11px;font-weight:700;color:#5d6670}.position.feature{background:var(--gold);color:#0d1b28;border-color:#a88431;box-shadow:0 8px 20px rgba(203,168,90,.3)}
.formula{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:12px;align-items:stretch;margin:28px 0}.formula .box{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;text-align:center}.formula .box strong{display:block;font-family:'Cormorant Garamond',Georgia,serif;font-size:35px;color:var(--navy)}.formula .op{align-self:center;font-size:28px;color:#a1792e;font-weight:800}
.doors{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:15px;margin-top:28px}.door{background:#fff;border:1px solid var(--line);border-radius:15px;padding:25px;position:relative;overflow:hidden}.door:before{content:'';position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--gold)}.door .door-no{font-size:11px;text-transform:uppercase;letter-spacing:.13em;font-weight:800;color:#8e6b23}.door h3{font-size:27px;margin:7px 0}.price{font-weight:800;color:#80601f}
.split{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:center}.split.reverse>div:first-child{order:2}.split.reverse>div:last-child{order:1}
.checklist{padding-left:0;list-style:none}.checklist li{position:relative;padding:10px 0 10px 30px;border-bottom:1px solid rgba(22,39,59,.08)}.checklist li:before{content:'✓';position:absolute;left:0;color:#9a7425;font-weight:900}.dark .checklist li{border-color:rgba(255,255,255,.1)}
.risk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.risk{padding:23px;border-radius:12px;background:#fff;border:1px solid var(--line)}.risk strong{display:block;color:var(--navy);font-size:18px;margin-bottom:6px}.dark .risk{background:#20364e;border-color:rgba(203,168,90,.18)}.dark .risk strong{color:#fff}
.allocation{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.allocation .amount{font-family:'Cormorant Garamond',Georgia,serif;font-size:44px;color:var(--navy);font-weight:700}.allocation .card.dark .amount{color:#f0d58a}
.faq-group{margin:0 0 38px}.faq-group h2{font-size:40px}.faq{border-top:1px solid var(--line)}.faq details{border-bottom:1px solid var(--line);background:#fff}.faq summary{cursor:pointer;list-style:none;padding:21px 48px 21px 20px;font-weight:700;color:var(--navy);position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:'+';position:absolute;right:20px;top:17px;font-size:27px;color:#9a7425}.faq details[open] summary:after{content:'–'}.faq .answer{padding:0 20px 22px;color:#4e5862;max-width:900px}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px;background:#fff;box-shadow:0 10px 25px rgba(12,26,40,.05)}table{border-collapse:collapse;width:100%;min-width:920px;font-size:13px}th,td{padding:10px 12px;border-bottom:1px solid #e9e4dd;text-align:right}th{background:#16273b;color:#fff;position:sticky;top:0}th:first-child,td:first-child{text-align:center}.year-divider td{text-align:center!important;background:#f7ead7;color:#74591f;font-weight:800;letter-spacing:.11em}.one-col{background:#fffaf0}.two-col{background:#f6f0e7}.four-col{background:#eee8df}
.entity-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.entity{background:#fff;border:1px solid var(--line);border-radius:14px;padding:25px}.entity .tag{font-size:11px;letter-spacing:.12em;text-transform:uppercase;font-weight:800;color:#8c6921}.entity h3{font-size:29px;margin:7px 0}
.footer{background:#0e1c2a;color:#aebdca;padding:55px 0 30px;margin-top:0}.footer .brand{font-family:'Cormorant Garamond',Georgia,serif;color:#fff;font-size:32px}.footer .tagline{color:#e7c976}.footer-grid{display:grid;grid-template-columns:1.1fr repeat(3,1fr);gap:30px;margin-top:28px}.footer h4{color:#fff;margin:0 0 10px}.footer a{display:block;text-decoration:none;color:#b9c6d0;font-size:14px;margin:6px 0}.footer .legal{font-size:12px;border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:22px;max-width:1000px}
.entry{min-height:100vh;background:linear-gradient(145deg,#0b1826,#16273b);color:#fff}.entry-logo{background:#fff;padding:15px 0;text-align:center}.entry-logo img{height:68px}.entry-main{padding:50px 0 70px}.entry h1{font-family:'Cormorant Garamond',Georgia,serif;font-size:clamp(46px,6vw,76px);line-height:1.02;margin:10px 0 20px}.entry .lead{color:#d7e1e9}.video-panel{background:#0d1b29;border:1px solid rgba(203,168,90,.28);border-radius:18px;overflow:hidden;box-shadow:0 24px 54px rgba(0,0,0,.28);margin:30px 0}.video-copy{padding:24px 26px}.video-copy h2{color:#fff;margin:0;font-size:32px}.access{margin-top:30px;background:#20364e;border:1px solid rgba(203,168,90,.28);border-radius:16px;padding:28px}.access-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:center}.access h2{color:#fff;font-size:38px;margin:4px 0}.access p{color:#cdd8e1}.access label{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:#e5c97e;margin-bottom:8px}.access-row{display:flex;gap:8px}.access input{min-width:0;flex:1;background:#fff;border:0;border-radius:5px;padding:14px;font-size:17px}.access button{border:0;background:var(--gold);font-weight:800;padding:0 18px;border-radius:5px;color:#102030}.access-message{margin-top:9px;font-size:14px;color:#f0b4aa;min-height:22px}.access-message.success{color:#b9e2bc}
@media(max-width:900px){.hero .hero-grid,.split,.grid.two,.grid.three,.grid.four,.doors,.allocation,.entity-grid,.access-grid{grid-template-columns:1fr}.split.reverse>div:first-child,.split.reverse>div:last-child{order:initial}.flow{grid-template-columns:1fr}.flow .step:not(:last-child):after{content:'↓';right:auto;left:50%;top:auto;bottom:-22px;transform:translateX(-50%)}.positions{grid-template-columns:repeat(10,1fr)}.formula{grid-template-columns:1fr}.formula .op{text-align:center}.footer-grid{grid-template-columns:1fr 1fr}.hero-visual{max-width:700px}.risk-grid{grid-template-columns:1fr}}
@media(max-width:620px){body{font-size:16px}.wrap,.narrow{width:min(100% - 28px,1120px)}.tco-top .wrap{height:78px}.tco-top img{height:53px}.hero{padding:58px 0}.section{padding:52px 0}.positions{grid-template-columns:repeat(6,1fr)}.footer-grid{grid-template-columns:1fr}.access-row{flex-direction:column}.access button{padding:14px 18px}.nav a{font-size:11px;padding:7px 8px}}


/* ==========================================================
   BOA v31 controlled refinement — 14 Oct 2026
   First-time-reader orientation, access form, table contrast,
   FAQ alignment, contributor portraits.
   ========================================================== */

/* Homepage access form */
.access-fields{display:grid;gap:14px}
.access-field label,.access-label{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:#e5c97e;margin-bottom:8px}
.access-label .label-note{font-size:10px;letter-spacing:.04em;text-transform:none;color:#c8d0d8;font-weight:500}
.access-input{width:100%;background:#fff;border:1px solid rgba(255,255,255,.25);border-radius:6px;padding:14px 15px;font-size:17px;color:#1b2a39;outline:none;transition:box-shadow .15s ease,border-color .15s ease}
.access-input:focus{border-color:#d7b45c;box-shadow:0 0 0 3px rgba(203,168,90,.18)}
.access-input-normal{text-transform:none;letter-spacing:0;font-weight:500}
.access-input::placeholder{color:#7f8790;opacity:1}
.access-button{width:100%;border:0;background:var(--gold);font-weight:800;padding:15px 18px;border-radius:6px;color:#102030;text-transform:uppercase;letter-spacing:.06em;cursor:pointer}
.access-button[disabled]{opacity:.65;cursor:wait}
.access-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:26px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12)}
.access-step{background:rgba(255,255,255,.045);border-radius:8px;padding:14px;font-size:14px;color:#d8e1e8}.access-step strong{color:#f0d58a}

/* Opportunity-in-brief first-time-reader orientation */
.orientation{background:linear-gradient(180deg,#fff,#fffaf1)}
.orientation-intro{max-width:900px}
.role-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin:28px 0}
.role-card{background:#fff;border:1px solid var(--line);border-radius:15px;padding:28px;box-shadow:0 12px 30px rgba(12,26,40,.055)}
.role-card .role-label{display:inline-block;font-size:11px;text-transform:uppercase;letter-spacing:.13em;font-weight:800;color:#8b6822;margin-bottom:8px}
.role-card h3{font-size:31px;margin:0 0 10px;color:var(--navy)}
.role-card.participant{border-top:4px solid var(--gold)}
.role-card.customer{border-top:4px solid #8e9aa6}
.orientation-bridge{margin-top:26px;background:var(--navy);color:#eef3f6;border-radius:14px;padding:24px 28px;font-family:'Cormorant Garamond',Georgia,serif;font-size:28px;line-height:1.3}

/* Projection table: keep participation columns differentiated but readable */
thead th.one-col,thead th.two-col,thead th.four-col{color:#fff!important;background:#263d55!important}
thead th.two-col{background:#31485e!important}
thead th.four-col{background:#3a5065!important}
tbody td.one-col{background:#fffaf0}tbody td.two-col{background:#f6f0e7}tbody td.four-col{background:#eee8df}

/* FAQ: centre the reading column and improve rhythm */
.faq-shell{width:min(980px,calc(100% - 48px));margin-left:auto;margin-right:auto}
.faq-group{margin-bottom:46px}
.faq-group h2{max-width:900px;margin-left:auto;margin-right:auto}
.faq-group>.kicker{max-width:900px;margin-left:auto;margin-right:auto}
.faq{max-width:900px;margin-left:auto;margin-right:auto;border-radius:12px;overflow:hidden;border:1px solid var(--line);border-bottom:0;box-shadow:0 10px 28px rgba(12,26,40,.04)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{padding-left:26px;padding-right:58px}
.faq .answer{padding-left:26px;padding-right:58px;max-width:none}

/* About page contributor portraits */
.contributor-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:28px}
.contributor-card{background:#20364e;border:1px solid rgba(203,168,90,.24);border-radius:16px;padding:25px;box-shadow:0 14px 34px rgba(0,0,0,.16)}
.contributor-photo{width:190px;height:190px;margin:0 auto 20px;border-radius:14px;overflow:hidden;background:#fff;border:5px solid rgba(255,255,255,.92);box-shadow:0 14px 30px rgba(0,0,0,.2)}
.contributor-photo img{width:100%;height:100%;object-fit:cover;display:block}
.contributor-photo img.morne{object-position:50% 14%}
.contributor-photo img.richard{object-position:50% 24%}
.contributor-photo img.earl{object-position:50% 50%}
.contributor-card h3{text-align:center;color:#fff;font-size:28px;margin:0 0 8px}
.contributor-role{text-align:center;color:#f0d58a;font-weight:700;min-height:48px;margin-bottom:12px}
.contributor-card p:last-child{margin-bottom:0;color:#d9e3ea}

@media(max-width:900px){
  .access-steps,.role-grid,.contributor-grid{grid-template-columns:1fr}
  .contributor-card{max-width:620px;margin-left:auto;margin-right:auto}
}
@media(max-width:620px){
  .faq-shell{width:min(100% - 28px,980px)}
  .faq summary{padding-left:18px;padding-right:48px}.faq .answer{padding-left:18px;padding-right:18px}
  .orientation-bridge{font-size:24px;padding:21px}
  .contributor-photo{width:165px;height:165px}
}


/* ==========================================================
   BOA v32 direct-discussion refinement — 14 Oct 2026
   Direct WhatsApp contact, no third-party scheduling widget.
   ========================================================== */
.discussion-hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.whatsapp-panel{display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,.72fr);gap:28px;align-items:center;background:linear-gradient(145deg,#16273b,#20364e);border:1px solid rgba(203,168,90,.28);border-radius:18px;padding:34px;box-shadow:0 18px 42px rgba(12,26,40,.16)}
.whatsapp-panel h2{color:#fff;margin:4px 0 12px;font-size:clamp(34px,4vw,50px)}
.whatsapp-panel p{color:#dce5ec}
.whatsapp-contact{background:#fffaf1;border:1px solid rgba(203,168,90,.45);border-radius:14px;padding:26px}
.whatsapp-contact .contact-label{font-size:11px;letter-spacing:.13em;text-transform:uppercase;font-weight:800;color:#8c6921;margin-bottom:6px}
.whatsapp-contact .contact-name{font-family:'Cormorant Garamond',Georgia,serif;font-size:34px;color:#16273b;font-weight:700;line-height:1.05}
.whatsapp-contact .contact-number{display:inline-block;margin:11px 0 17px;font-size:22px;font-weight:800;color:#16273b;text-decoration:none}
.whatsapp-contact .contact-number:hover{text-decoration:underline}
.btn.whatsapp-btn{display:block;text-align:center;background:#cba85a;color:#0b1826;margin-top:4px}
.discussion-note{margin-top:20px;border-left:4px solid #cba85a;padding:16px 18px;background:#fffaf1;color:#27384a}
.discussion-process .step h3{font-size:22px}
@media(max-width:900px){.whatsapp-panel{grid-template-columns:1fr}}
@media(max-width:620px){.whatsapp-panel{padding:24px}.whatsapp-contact{padding:21px}.whatsapp-contact .contact-number{font-size:20px}}